Search found 196 matches

by soupcxan
Wed Nov 22, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5275

Re: Drive it till it dies. It died.

Exactly! Come on, people. The OP's experience is anecdotal and doesn't apply to the purchase of another Murano except as one data point in the vast number of Murano owners. You might as well ask why anyone on the entire earth would buy a Murano given the demonstrated lack of reliability in the OP's...
by soupcxan
Tue Nov 21, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5275

Re: Drive it till it dies. It died.

Why on earth would you buy another Murano given this lack of reliability? Exactly! Come on, people. The OP's experience is anecdotal and doesn't apply to the purchase of another Murano except as one data point in the vast number of Murano owners. You might as well ask why anyone on the entire earth...
by soupcxan
Mon Nov 20, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5275

Re: Drive it till it dies. It died.

Why on earth would you buy another Murano given this lack of reliability? Exactly! Come on, people. The OP's experience is anecdotal and doesn't apply to the purchase of another Murano except as one data point in the vast number of Murano owners. You might as well ask why anyone on the entire earth...
by soupcxan
Mon Nov 20, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 52
Views: 5275

Re: Drive it till it dies. It died.

Why on earth would you buy another Murano given this lack of reliability?
by soupcxan
Sun Nov 19, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10447

Re: The valet smashed my Tesla into a brick wall!

Things are in the saddle,
And ride mankind.


- Emerson

Diminution of value should be paid out by the valet's insurance if it's covered in your state. I successfully argued for and received a DV check in Texas when someone rear ended my car.
by soupcxan
Fri Nov 17, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1470

Re: Is dent repair service worth it?

At $350 someone is trying to rip you off. PDR costs $150 or less.
by soupcxan
Fri Nov 17, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 642
Views: 104635

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

How much of a hassle is it to transfer a brokerage account out from Vanguard to get one of these bonuses?

Is it as simple as signing the paperwork or do I have to get things notarized or (shudder) a medallion signature guarantee?

Does VG charge a fee for a transfer out?
by soupcxan
Tue Nov 14, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5189

Re: Keurig died...what now?

Aren't the cups those things use environmental disasters? True but think of all the plastic in your car. Do you typically drive your car once and then throw it away? No but think of how many of those it would take to make the plastic in your car? I am guessing it would take years to make the bumper...
by soupcxan
Tue Nov 14, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5189

Re: Keurig died...what now?

rec7 wrote:
Tue Nov 14, 2017 11:47 am
mouses wrote:
Tue Nov 14, 2017 5:46 am
Aren't the cups those things use environmental disasters?
True but think of all the plastic in your car.
Do you typically drive your car once and then throw it away?
by soupcxan
Tue Nov 14, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 5189

Re: Keurig died...what now?

Keurig: tasteless coffee, bad for the environment, bad for your wallet. Amazed these guys are still in business.
by soupcxan
Sun Nov 12, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12252

Re: Request for Promotion letter to Senior Management

OP is the only one who can’t see it.
by soupcxan
Sun Nov 12, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1166

Re: Frontier Flight Fees

If your time, patience, and schedule are worthless, then Frontier and Spirit may br a good value. Otherwise not.
by soupcxan
Wed Nov 08, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's the most "interesting" job in corporate finance?
Replies: 20
Views: 1913

Re: What's the most "interesting" job in corporate finance?

SeaToTheBay wrote:
Wed Nov 08, 2017 3:59 pm

Conversely, banks lend money in good times and bad, to everyone.
I’m pretty sure that wasnt the case 2008-10.
by soupcxan
Wed Nov 08, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone own a home and drop insurance coverage after mortgage paid off?
Replies: 61
Views: 5054

Re: Anyone own a home and drop insurance coverage after mortgage paid off?

I dropped all of my insurance over 10 years ago. 0 home owners insurance, Auto, only the minimum liability. No life insurance. 0 insurance except liability for my car. I was a little nervous at first but since have no regrets. In my neighborhood of about 1000 homes. I cannot remember one house fire...
by soupcxan
Wed Nov 08, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3764

Re: What is a reasonable emergency fund for HI family?

Why would an emergency fund for a family in Hawaii be any different than in the continental US?
by soupcxan
Tue Nov 07, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1768

Re: Okay to paint exterior brick?

You were able to stucco the entire house without a permit, but stucco’ing the brick requires one?
by soupcxan
Sun Nov 05, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5665

Re: College student... Financial mess... Need advice...

The apartment would likely rent very quickly if it became available as it is quite affordable and well located for this area. In most states, the landlord has a duty to mitigate his damages by re-renting the unit. So if you leave, and it sits vacant for a month while he gets a new tenant, all he ca...
by soupcxan
Sun Nov 05, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5665

Re: College student... Financial mess... Need advice...

The apartment would likely rent very quickly if it became available as it is quite affordable and well located for this area. In most states, the landlord has a duty to mitigate his damages by re-renting the unit. So if you leave, and it sits vacant for a month while he gets a new tenant, all he ca...
by soupcxan
Sat Nov 04, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: 36k Career Starter Loan
Replies: 30
Views: 1487

Re: 36k Career Starter Loan

A "career starter loan" should be renamed "career extender loan." Because all it will do is guarantee that you have to work at least that much longer! DO NOT TAKE OUT A LOAN JUST BECAUSE IT HAS A LOW INTEREST RATE! This is the dumbest financial move anyone could possibly make early in your career. ...
by soupcxan
Tue Oct 31, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18590

Re: Early-retired 35 year old with $1 million

Wow! I’m guessing you live in California or NY if you think it’s that expensive to raise kids. If you ever want a little perspective check out RootofGood.com guy was an engineer, early retired at 33 with only a little more than the OP, has 3 kids, travels and post his complete monthly budget and in...
by soupcxan
Tue Oct 31, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18590

Re: Early-retired 35 year old with $1 million

Wow! I’m guessing you live in California or NY if you think it’s that expensive to raise kids. If you ever want a little perspective check out RootofGood.com guy was an engineer, early retired at 33 with only a little more than the OP, has 3 kids, travels and post his complete monthly budget and in...
by soupcxan
Tue Oct 31, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Invalid airline ticket, seeking reimbursement
Replies: 36
Views: 2977

Re: Invalid airline ticket, seeking reimbursement

File complaint with DOT and dispute the original charges with your CC.
by soupcxan
Tue Oct 31, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1793

Re: Get Lexus service at Toyota and save?

At $70, I am doing that myself. About 30 mins, for tire rotation and oil change, $20 in parts. Sorry but I don't make $100/hour after taxes. With accounting for the time required to get the supplies, do the work, and dispose of the used oil I am looking at almost 2 hours all-in on a weekend to DIY....
by soupcxan
Tue Oct 31, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1793

Get Lexus service at Toyota and save?

Called the Lexus dealer for a quote on a straight oil change and tire rotation in our hybrid Lexus: $180

Called the independent Lexus specialist for the same service: $170

Called the Toyota dealership: $70

Is there any reason not to just take the Lexus to the Toyota dealer and save $100?
by soupcxan
Fri Oct 27, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct Sales Tax from a backyard / pool renovation on my income taxes?
Replies: 6
Views: 895

Re: Can I deduct Sales Tax from a backyard / pool renovation on my income taxes?

If you paid the sales tax and have documentation for it, why would it be any different than any other sales tax you pay?

And do you really think the IRS is going to audit your pool?
by soupcxan
Fri Oct 27, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Better tax-deferred options for law partner?
Replies: 4
Views: 324

Re: Better tax-deferred options for law partner?

No, not the buy-in. For example, in my firm we must contribute something like $15k in profit sharing 401(k) plus something like $7k in "match," all of which is my contribution to the 401(k), in order to stay on the right side of the so-called top-heavy rules. I can and do contribute another $18k in...
by soupcxan
Fri Oct 27, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Moving to a K-1. What do I need to know?
Replies: 15
Views: 1458

Re: Moving to a K-1. What do I need to know?

I would also be interested in ideas for managing taxes on a new partner K-1.

It seems that this is the worst of both worlds - you're still stuck with your firm's 401k contribution limit and expense ratios, and you have to also pay a ton more in taxes.
by soupcxan
Thu Oct 26, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Most efficient method to swap RSU for Index
Replies: 5
Views: 304

Re: Most efficient method to swap RSU for Index

For lack of more info, the 2018 tax year is 9 weeks away, I would wait until Jan 2 and then sell everything.

This defers payment of any tax for an extra year, and you shift taxable gains to a lower income year since your partner will stop working.
by soupcxan
Thu Oct 26, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12252

Re: Request for Promotion letter to Senior Management

Sorry but a letter is a waste of everyone's time.

The only way you will get a promotion is by changing employers.
by soupcxan
Thu Oct 26, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Better tax-deferred options for law partner?
Replies: 4
Views: 324

Re: Better tax-deferred options for law partner?

In also a law firm partner. You need to start by getting the details on what the firm offers. She may actually be required to make big contributions to its plans first. Generally they will be pre-tax even if she has to write a check to the firm. Not sure if you're talking about the buy-in? That's a...
by soupcxan
Thu Oct 26, 2017 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Better tax-deferred options for law partner?
Replies: 4
Views: 324

Better tax-deferred options for law partner?

Spouse is a partner in a law firm which converted to a partnership this year. Her income will be a distribution from the pship on a K-1 at year end. However, she is still considered an employee for purposes of being included in the firm's 401k but she has more than $18k available to put into a tax-d...
by soupcxan
Fri Oct 20, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Turn fridge off when gone or leave it running?
Replies: 40
Views: 50417

Re: Turn fridge off when gone or leave it running?

For a family getaway cabin (used one or two weekends a month) - Turn the frigde temp control all the way to off Unscrew the lightbulb Shove a towel in fridge and freezer doors to keep them propped open. An empty live socket would bother me. A quick check doesn't turn up medium socket base safety ca...
by soupcxan
Sat Oct 14, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2247

Re: Selling Tradelines

Fraud defined: “wrongful or criminal deception intended to result in financial or personal gain.”

Selling trade lines is a violation of the contract you accepted when you got your card. It is a civil matter, not criminal, but is surely fraud under the definition above.
by soupcxan
Fri Oct 13, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on home insurance and land vs structure value
Replies: 20
Views: 1189

Re: Thoughts on home insurance and land vs structure value

As I believe is increasingly common, our homeowners deductible is 1% of the insured amount. When we recently decreased the insured value, our deductible went down as did our annual premium. Does that have a bottom on it? Otherwise it might be a good deal depending on circumstance. A windstorm that ...
by soupcxan
Fri Oct 13, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Tradelines
Replies: 37
Views: 2247

Re: Selling Tradelines

Adding an authorized user to your account who you have no legitimate relationship with is fraud, pure and simple.
by soupcxan
Tue Oct 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15101

Re: [Boglehead vs Mr Money Mustache philosophies]

Really not much difference from my perspective.

MMM: 35 year old making $400k/year from his blog

Boglehead: 35 year old making $400k/year as a doctor
by soupcxan
Tue Oct 10, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2406

Re: cash and landlines in disasters

If there is a wildfire, why do I need a landline? Am I going to call the fire department? I'm sure they already know.

I have not had a landline for over a decade. Don't need it. Don't want it.
by soupcxan
Thu Oct 05, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3482

Re: Pension Now (Age 36) or Later (Age 65)?

Giving up a low risk 6% rate. The pension is from Big 4 Accounting firm. If they can't do this right, we are all screwed. Arthur Andersen used to be a Big Five accounting firm with a pension plan as well. The failure of Arthur Andersen had zero to do with the management of their pension plan. What ...
by soupcxan
Tue Oct 03, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3482

Re: Pension Now (Age 36) or Later (Age 65)?

Giving up a low risk 6% rate. The pension is from Big 4 Accounting firm. If they can't do this right, we are all screwed. Arthur Andersen used to be a Big Five accounting firm with a pension plan as well. The failure of Arthur Andersen had zero to do with the management of their pension plan. What ...
by soupcxan
Tue Oct 03, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3482

Re: Pension Now (Age 36) or Later (Age 65)?

postitgoat wrote:
Tue Oct 03, 2017 2:54 pm
Giving up a low risk 6% rate. The pension is from Big 4 Accounting firm. If they can't do this right, we are all screwed.
Arthur Andersen used to be a Big Five accounting firm with a pension plan as well.
by soupcxan
Tue Sep 26, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Cash + LT Munis = IT Munis?
Replies: 7
Views: 911

Re: Cash + LT Munis = IT Munis?

This is a reasonable strategy. The average duration of your bond portfolio represents the interest-rate risk you are taking; it doesn't matter whether you have a single fund or multiple funds. This is not accurate at all. Duration is at best, an approximation of the impact of small changes on inter...
by soupcxan
Mon Sep 04, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3650

Re: Why can't the future of stocks be predicted

Why can't the future of weather be predicted more than a couple days out, considering the fact that weather should follow the laws of physics?
by soupcxan
Thu Aug 31, 2017 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17912

Re: Is Bogelheads getting less interesting?

I agree with you. There seems to be more off topic posts than years past. Things like "What books/TV shows/movies/foods do you like?" and "Recommendations needed for garbage bags". Which would be fine, if there was an off-topic board so I could filter them out. Many other questions that are somewhat...
by soupcxan
Tue Aug 15, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2855

Re: Big family, small house dilemma -- kid bedrooms in basement?

Take down the drywall in the bedrooms. Install spray-foam insulation. Put new drywall up and double-layer it. <$5k cost and can be done in a long weekend.
by soupcxan
Tue Aug 15, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Do ETF odd lot orders get worse execution at VBS?
Replies: 3
Views: 490

Do ETF odd lot orders get worse execution at VBS?

When buying ETFs through VG brokerage, is it necessary to order in lots of 100 shares to ensure the best execution? If you order 79, or 152 shares, are you going to get a worse price?
by soupcxan
Mon Jul 17, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1798

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

Why is net worth info needed to buy term life insurance? I would not provide that. None of their business.
by soupcxan
Wed Jul 05, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: John Deere series 100 lawn tractors
Replies: 28
Views: 2607

Re: John Deere series 100 lawn tractors

John Deere will not sell you a tractor - they only license them now. I would not do business with a company that doesn't believe I have the right to repair my own equipment.

https://www.theguardian.com/environment ... eere-apple
by soupcxan
Thu Jun 22, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Why bonds when one's investment horizon is long?
Replies: 59
Views: 4917

Re: Why bonds when one's investment horizon is long?

TBillT wrote:if the 30-year Treasury goes from 3% to 2% you get 3/2 = 50% cap gain + interest.
lol those numbers are completely wrong
by soupcxan
Fri May 19, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: When will used Rolex prices decline significantly?
Replies: 12
Views: 2971

When will used Rolex prices decline significantly?

A new stainless Rolex Submariner date is $8,550 (MSRP). Obviously the market for that watch is significantly different than someone buying a $500 Apple Watch but between smart watches and people wearing no watch at all anymore, demand for luxury watches must be down. When will lower demand be reflec...
by soupcxan
Sun May 14, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: "The long run is only longer than the short run, not safer"
Replies: 37
Views: 3919

Re: "The long run is only longer than the short run, not safer"

Selling you that put has the same risk for me as buying the S&P 500 for the same period. Sorry, what? Selling a 30 year European put on the S&P 500 with a strike price of 2390 has a completely different risk/payoff profile compared to a long-only purchaser of the S&P 500 at 2390. They don't have th...