Search found 582 matches

by ssquared87
Sun May 27, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 23
Views: 1802

Re: Peloton spin bike worth the high cost?

We have a few at my office. I used them when I didn't have time to go to the gym or a spin class, but I preferred going to soul cycle and paying for it, even though i could use the peloton for free at work. Peloton isn't bad at all, but it didn't energize me anywhere near the way a live spin class d...
by ssquared87
Sun May 27, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: I need advice on having 2 jobs.
Replies: 25
Views: 2534

Re: I need advice on having 2 jobs.

You were low-balled by the big-4. I haven't even heard them offering that much to 1st year college grads and I graduated almost 10 years ago...back then big 4 offers started at $60k and in cyber they were higher. These days for a starting position in cyber at a big-4 I'd expect around 80k minimum. T...
by ssquared87
Sun May 27, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Renting vs Owning Your Home
Replies: 91
Views: 6012

Re: Renting vs Owning Your Home

Yes, renting and investing 100% in stocks will probably net you more, but I don't think that's a level of risk that most people are comfortable with. If on the other hand, you hold some bonds, home equity is probably a better substitute -- higher return than inflation adjusted bonds, lower risk tha...
by ssquared87
Sun May 27, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 48
Views: 3731

Re: Help Buying Mens Shoes for Work and Dating

For situation 2, Id highly suggest going full suit. Dress shirt and tie without a jacket makes you look like a McDonalds manager or a used wheelchair salesman. It’s not a look many people would associate with success or formality. If you want to look more formal than business casual just wear a suit...
by ssquared87
Thu May 24, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: Great deal on Calphalon copper cookware at Costco
Replies: 1
Views: 764

Great deal on Calphalon copper cookware at Costco

Costco had a 10 piece Calphalon Triply Copper cookware set for $279, and I needed new cookware so I decided to give it a try. I'd recommend this set to anyone who needs new cookware and does not want non-stick, and doesn't mind the patina that copper gains with use. I've used it a few times so far, ...
by ssquared87
Thu May 24, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 43
Views: 2191

Re: Should I buy a new car?

If you’re n track to retire when you say you will, then you can afford it, but it’s a pretty dumb idea. The main benefit of a Jag over its competitors is how fun it is to drive. You don’t sound like someone who appreciates cars all that much and are just interested because this one caught your eye....
by ssquared87
Thu May 24, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Affordable luxury ladies watch?
Replies: 21
Views: 909

Re: Affordable luxury ladies watch?

IMO at that price point you are looking at fashion watches (not the Omega/Rolexes and the like). At that price point many enjoy Michael Kors watches. Keep in mind there is nothing special about them other than brand and design. +1 At that price point, you're just getting a cheap quartz movement wra...
by ssquared87
Tue May 22, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 43
Views: 2191

Re: Should I buy a new car?

If you’re n track to retire when you say you will, then you can afford it, but it’s a pretty dumb idea. The main benefit of a Jag over its competitors is how fun it is to drive. You don’t sound like someone who appreciates cars all that much and are just interested because this one caught your eye. ...
by ssquared87
Sun May 20, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 58
Views: 8573

Re: How long to hold 80/20 asset allocation

This is going to sound very different from the advice given above, but see a therapist. Your question is less of a financial one and more of a question about your own fears, comfort taking risks, and how you deal with uncertainty. If you understand those questions about yourself better, it will help...
by ssquared87
Fri May 18, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Dash camera
Replies: 17
Views: 1994

Re: Dash camera

Blacksys CH100-b 2 channel.

Have been using it for 2 years and it's great, holds up well in hot weather also.
by ssquared87
Fri May 18, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Surgeon salary vs owning a business salary/profit?
Replies: 47
Views: 4044

Re: Surgeon salary vs owning a business salary/profit?

Im a consultant and work with clients in many fields. You can make huge amounts of money in business in any of those fields if you are great at what you do. What industry you chose is less important than how skilled you are at the technical aspects of your profession, managing others, and building r...
by ssquared87
Fri May 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2564

Re: What would you do? takes 6 months to fix a Tesla Model S

"Tesla Model S now going on 6 years and it has had a few collisions, " That car seems to be jinxed, get rid of it. I had only two accidents in 50 years, one by a drunk, other by 2 girls coming from a mall. As crazy as this sounds, I do believe in that. One of my cars was involved in 5 incidents in ...
by ssquared87
Thu May 17, 2018 3:09 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7304

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Q5 Quattro, all-time all wheel drive. RX is more reliable> XC has a lot safety heritage. I like more sport feeling. So Q5 2.0T or 3.0T is my choice. The 2018+ Q5 has "Quattro Ultra" which is AWD on demand, not full-time AWD. In less dynamic driving situations, it remains FWD until additional tracti...
by ssquared87
Thu May 17, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7304

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Can someone explain the maintenance plans that Audi offers? It seems you pay up front for maintenance, does this cover everything not covered under warranty such as basic oil changes, transmission fluid, tire rotation, etc. Here's what I found about Audi warranties. The New Vehicle Limited Warranty...
by ssquared87
Thu May 17, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 34
Views: 2716

Re: any disadvantages to using Delta Skymiles for fare?

It's a decent deal, but see how many more points a business or first class ticket is. While it may cost more points, you may get better value per point..i.e. cost double the points but the ticket would be more than double the price if paying with cash. May not be worth it if its not a long flight th...
by ssquared87
Thu May 17, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2564

Re: What would you do? takes 6 months to fix a Tesla Model S

1. Take a car control clinic and learn where to keep your eyes and hands while your driving so you can avoid accidents going forward. Relying on the vehicle's crash avoidance system will lull you into a false sense of security 2. Have another shop look at the tesla and get their estimate on how long...
by ssquared87
Thu May 17, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2866

Re: Brake work estimate

BMW charges $198 for rear brake pads and sensors on a 3 series and $208 on an x3. Your paying $75 more for a ford at an independent mechanic? Now, I haven't done brakes on a new 3 series, but have on an 80's 3 series and 90 M3. The pads can be changed without even removing the calipers. 2 pins to d...
by ssquared87
Thu May 17, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7304

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Can someone explain the maintenance plans that Audi offers? It seems you pay up front for maintenance, does this cover everything not covered under warranty such as basic oil changes, transmission fluid, tire rotation, etc. Here's what I found about Audi warranties. The New Vehicle Limited Warranty...
by ssquared87
Wed May 16, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 2866

Re: Brake work estimate

All, Thanks a bunch for the advice. Answers to a few qs in the thread: I live in a southern state so no salt. The front pads are fine per the shop. I prefer going to a shop rather than craigslist :) I called the shop and spoke to the owner. He reviewed the paperwork and agreed that the rotors do no...
by ssquared87
Wed May 16, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7304

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

Q5 Quattro, all-time all wheel drive. RX is more reliable> XC has a lot safety heritage. I like more sport feeling. So Q5 2.0T or 3.0T is my choice. All of these things are perceptions that dont necessarily hold true anymore. Audi's reliability is much higher than it has been in the past, arguably ...
by ssquared87
Wed May 16, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 111
Views: 7304

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

The new BMW x3 is far superior to any of those in terms of driving dynamics and ergonomics. The Audi does have a cooler looking interior though, so those two would be my top two choices. While the x3 is a completely new design, it's based on a powertrain that BMW has been using for about 3 years and...
by ssquared87
Wed May 16, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: ?$ Bid for Upgrade to Business Class (per flight hour)
Replies: 15
Views: 1067

Re: ?$ Bid for Upgrade to Business Class (per flight hour)

There’s no point in getting cheap on one segment even though they don’t have lie flat seats. After spending $10k on the other segments, if your economy segment is terrible, it will ruin your experience on the others. I’ve had this happen a few times where I flew first on the long segment and then ha...
by ssquared87
Tue May 15, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Large Personal Injury Settlement
Replies: 58
Views: 4920

Re: Large Personal Injury Settlement

Sorry to hear about your injuries. I won't comment on the financial aspect, as posters above have given you great advice. Do what your doctors tell you, and search for new doctors if you feel like your doctors are brushing you off or not making you feel comfortable. Also, use part of that settlement...
by ssquared87
Tue May 15, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer Thoughts
Replies: 10
Views: 1317

Re: Job Offer Thoughts

Congrats and good luck, seems like a great opportunity and I was going to suggest going for it but seems like you already have.
by ssquared87
Tue May 15, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 17
Views: 1403

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

I don’t think an ad blocker enhances your privacy. It just blocks the ad. That’s not exactly true. The ad blockers stop the ads from loading, which also stops them from loading cookies onto your machine. Besides the cookie, there is some sort of tracker embedded in a single pixel within the add. Th...
by ssquared87
Mon May 14, 2018 8:34 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 10052

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

jhfenton wrote:
Mon May 14, 2018 6:41 pm
In 25+ years of working, neither my wife nor I have ever had a 401(k) that permitted after-tax contributions.

So no.
In 9 years of working, 3 out of 3 of my jobs had it. Until recently, I didn't have the level of income to take advantage of it.
by ssquared87
Sun May 13, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2352

Re: Subaru Crosstrek vs Outback

I considered the 3.6-liter, but if you tack on Eyesight (which I really want), the MSRP is nearly $38K. Even with a decent dealer discount, that's pretty pricey for a Subaru. Will it really be a problem driving on mountain roads with the 2.5? When I'm in Colorado I see plenty of Subie's out and abo...
by ssquared87
Sun May 13, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

But maintenance is expensive for the German luxury cars, relative to the mainstream brands, which I think is what OP was referring to (at least in part). We’ve used prepaid AudiCare to lower the cost of routine maintenance and that was a good decision. However, non-routine repairs still are expensi...
by ssquared87
Sun May 13, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2352

Re: Subaru Crosstrek vs Outback

I typically prefer smaller cars but ended up buying a pretty large one recently. It’s about 20 inches longer than my weekend car, but the length doesn’t make it any harder to park. The width makes it a bit more challenging though. I’d say that as long as you have the parking sensors the outback shou...
by ssquared87
Fri May 11, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Another new car question (BMW i3)
Replies: 19
Views: 796

Re: Another new car question (BMW i3)

The i3 is a great car, but $25k seems steep. 2015s in my area are goin for around 20k and 2014 are like 16-18k. The range extender kind of sucks according to my friends who have it. One of my coworkers has the range extender and said its a waste. Another has the non range extender and loves it. Does...
by ssquared87
Fri May 11, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

To all those who suggested the Genesis: excellent idea. I hadn't thought of this. I'm seeing a lot of them with low miles under $25K. I'll explore this further. After further thought, a 3 Series or A4 doesn't seem like the best choice for me. Nice cars, but maintenance issues and size are steering ...
by ssquared87
Fri May 11, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

To all those who suggested the Genesis: excellent idea. I hadn't thought of this. I'm seeing a lot of them with low miles under $25K. I'll explore this further. After further thought, a 3 Series or A4 doesn't seem like the best choice for me. Nice cars, but maintenance issues and size are steering ...
by ssquared87
Fri May 11, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

To all those who suggested the Genesis: excellent idea. I hadn't thought of this. I'm seeing a lot of them with low miles under $25K. I'll explore this further. After further thought, a 3 Series or A4 doesn't seem like the best choice for me. Nice cars, but maintenance issues and size are steering ...
by ssquared87
Fri May 11, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5398

Re: New Car Suggestions: BMW Crapping Out

If you are using the car to commute, why do you need such a big car? You already have the 4Runner, seems like another SUV would be a waste of money and gas. A Mazda 6 or Honda Accord look better than most SUVs, drive better, are cheaper and get way better mileage. New accord is 30mpg city 38 highway...
by ssquared87
Fri May 11, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5398

Re: New Car Suggestions: BMW Crapping Out

5 years is about what I would expect from a modern BMW - really just designed for a 3 year lease and then selling high margin parts for things that should have been done during the included maintenance period but are deliberately not. If you don't need larger stay smaller. Volvo XC40 is a great pac...
by ssquared87
Fri May 11, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

Mazda 6 New Accord (know you said you’re steering away from accord/Camry but the new accord has a far more upscale interior and features in the higher trim versions) 2011 Bmw 3 is spectacular. I had one that saved my life in a crash, It’s last year of the old generation and it’s better built and mo...
by ssquared87
Fri May 11, 2018 12:09 am
Forum: Personal Consumer Issues
Topic: Used car, $20K-$25K
Replies: 43
Views: 3787

Re: Used car, $20K-$25K

Mazda 6 New Accord (know you said you’re steering away from accord/Camry but the new accord has a far more upscale interior and features in the higher trim versions) 2011 Bmw 3 is spectacular. I had one that saved my life in a crash, It’s last year of the old generation and it’s better built and mor...
by ssquared87
Wed May 09, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1701

Re: When to replace a car windshield

This may sound stupid, but have you tried cleaning the windshield? Mine gets like that too when it's dirty, always amazes me how clear it is once I clean it, which admittedly, I don't do as often as I should. I probably take my car to get washed 1x a month
by ssquared87
Tue May 08, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 70
Views: 6369

Re: Is it time for me to change jobs or should I stay put?

You need to make it be known that you are interested in moving up. Being extremely good at a technical role gives management no incentive to promote you, in some cases it can pigeonhole you. That is where I'm at. If you demonstrate desire to grow, and it becomes clear that you’re worth more to the ...
by ssquared87
Tue May 08, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 63
Views: 7065

Re: Memory Foam Mattress Recomendations

Firmness and softness don’t mean anything at all when shopping for a mattress. There are 2 main things to look for 1. Support - when you lay on the mattress in your preferred sleeping position is your spine in neutral? 2. Contouring - are there any pressure points. If you lay on your back do your hi...
by ssquared87
Mon May 07, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 70
Views: 6369

Re: Is it time for me to change jobs or should I stay put?

You need to make it be known that you are interested in moving up. Being extremely good at a technical role gives management no incentive to promote you, in some cases it can pigeonhole you. If you demonstrate desire to grow, and it becomes clear that you’re worth more to the company as a manager th...
by ssquared87
Sun May 06, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8057

Re: What career for smartest kid in the class?

I retired from Cardiology 13 years ago at age 54. If I were doing it now, I would choose a career other than Medicine. The average med school debt is $195,000, and we have turned physicians into professional students. If you start med school at age 25 and want to be a Cardiology subspecialist, you ...
by ssquared87
Sun May 06, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Another Car Keep/Buy Question
Replies: 14
Views: 1189

Re: Another Car Keep/Buy Question

You'll never be happy with the subaru if you're 1 year into it and thinking you should have got different options/colors etc. Acura/Lexus isn't a luxury sedan, they're just pigs with lipstick. A high end Honda/Acura is basically the same car unless you go with the IS, GS, or LS which actually drive ...
by ssquared87
Sun May 06, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Pay $2500 in rent or continue living at home
Replies: 91
Views: 6308

Re: Pay $2500 in rent or continue living at home

There are some aspects of the OPs responses that I find troubling, but I do think the forum is being a bit harsh about him living with family. I'm younger than the OP, have a much higher salary, and a higher net worth. Since graduating college, I have lived in other countries, travelled extensively ...
by ssquared87
Sat May 05, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16175

Re: most compelling TV character ever

In no particular order,

JR Ewing - Dallas
Tony Soprano - The Sopranos
Kramer - Seinfeld
Raymond Reddington - The Blacklist
Columbo - Columbo
by ssquared87
Sat May 05, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2370

Re: SUV vs Full Size Car - Taurus or Escape

rgs92 wrote:
Sat May 05, 2018 10:18 am
I wonder if all the Lincoln sedans are being put out to pasture also. The Continental was just released a year ago.
Given how poorly it compares to its rivals, that probably wouldn't be such a bad thing.
by ssquared87
Fri May 04, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 4955

Re: How old is too old for a vehicle, even for a well running one ?

For one, you never know when something might fail due to age and become an expensive repair. The person driving an old car might be taking a chance, as it is much more likely for a 15 + car to break down than a newer one. I would argue that failure is more likely to be caused by lack of/improper ma...
by ssquared87
Thu May 03, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2370

Re: SUV vs Full Size Car - Taurus or Escape

Just because everyone else is going SUV doesn’t mean you should follow the crowd. The Escape is great, but if you don’t have a need for the extra space, I would go with the fusion. One of the things you mention that’s important is ride quality. The Fusion is less choppy than the escape and the handl...
by ssquared87
Thu May 03, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: If you really like the CR-V, you should check out the [_____]
Replies: 79
Views: 6339

Re: If you really like the CR-V, you should check out the [_____]

JD Power is pretty useless, and it doesn't measure quality or reliability at all, it measures satisfaction. Here's a great article explaining that, but i'll summarize below: JD Power is literally the benchmark for the auto industry. The gold standard. Every major automaker buys into it and many eve...