Search found 99 matches

by Ztx
Sat Jul 11, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: 1st Car Purchase - Volvo XC90 vs. Lexus RX350
Replies: 70
Views: 4930

Re: 1st Car Purchase - Volvo XC90 vs. Lexus RX350

I have a few year old RX 350 - love it! The only thing that bugs me is that cargo space is limited due to the slope of the roof / trunk door.
by Ztx
Sat Jun 06, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7326

Re: Anyone not bother with Tax Loss Harvesting?

What are other meaningful benefits beyond the $3,000 deduction , unless you: A) plan to donate appreciated shares B) plan to leave significant amount as inheritance (for cost basis reset) and have some other capital gains to offset (like a sale of business)? Isn’t it just reducing cost basis and I’...
by Ztx
Fri Jun 05, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7326

Re: Anyone not bother with Tax Loss Harvesting?

What are other meaningful benefits beyond the $3,000 deduction , unless you: A) plan to donate appreciated shares B) plan to leave significant amount as inheritance (for cost basis reset) and have some other capital gains to offset (like a sale of business)? Isn’t it just reducing cost basis and I’l...
by Ztx
Wed May 13, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11483

Re: Dentist charges $10 for PPE

It would make more sense to raise the cost of the cleaning. Clients don’t like to feel nickel and dimed. I would have said something there. If enough people do they will stop charging it. If my dentist requests a reasonable PPE fee on my next visit, I'll pay it. Once treatments, vaccines, herd immu...
by Ztx
Wed May 13, 2020 5:34 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11483

Re: Dentist charges $10 for PPE

I think this is a good example of how not to manage interactions with your customers. I think a dentist would be far better off just charging a little more for their services. I think people would be much more understanding of “my overall costs have increased” vs. feeling like you are being nickel ...
by Ztx
Wed May 13, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11483

Re: Dentist charges $10 for PPE

Up-charging for PPE is ridiculous and already included in their base business case. This reminds me of the rental car companies charging an 'Energy Surcharge' when crude oil was above $100/bbl. Guess what is still on the bill now more than a decade later??? Agreed. I get that their costs may have i...
by Ztx
Wed May 13, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 11483

Re: Dentist charges $10 for PPE

This dental office sounds stunningly low-budget. My dentist and hygienist have routinely worn masks and gloves during my visits. My dentist, who I had to see for an emergency post COVID, said that dentists have followed the same basic protocols since AIDS, other than keeping an empty waiting room. ...
by Ztx
Wed Apr 22, 2020 3:29 pm
Forum: Personal Investments
Topic: How are the "100% Stocks" people doing?
Replies: 137
Views: 11783

Re: How are the "100% Stocks" people doing?

So there is always alot of discussion here about AA and being able to weather the storm. How have the people who were 100% stocks doing? Anybody doubling down? Anybody jumping ship? Can't double down if one is already at 100%. Unless one uses leverage, but that is a bit much. This. Can't double dow...
by Ztx
Sat Apr 18, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Munger/Buffett on riding out the storm
Replies: 76
Views: 10703

Re: Munger/Buffett on riding out the storm

I feel pretty optimistic and riding it out with 100% stocks AA. Yes, it's a nasty virus but it's been almost 4 months and the death toll is, thankfully, nowhere near grim predictions. We'll just learn to live with it just like with flu and cold viruses. Or, may be , some day a vaccine will be develo...
by Ztx
Mon Mar 23, 2020 9:15 pm
Forum: Personal Investments
Topic: 100 percent stock investors: any of you adding bonds now?
Replies: 51
Views: 3490

Re: 100 percent stock investors: any of you adding bonds now?

Early 40s... no point adding bonds now. It's better to buy cheaper stocks.
by Ztx
Sun Mar 22, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 358
Views: 34804

Re: It's Not Different This Time

With respect, there is no way you can know at this point whether this time is different or not. I agree most of the time “this” time has not been different. There is always risk and a non-zero chance of loss. Perhaps a better title would be “most likely this time is not different.” If it is differe...
by Ztx
Fri Mar 13, 2020 12:13 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19464
Views: 2695716

Re: U.S. stocks in free fall

Watched Colbert tonight - no audience. Completely surreal and makes it start to sink in what is happening. Anyone who thinks this is a passing storm and all will be well after a little choppy water is just not tuned in. The least of our problems is the stock market. I still don't get all the doom a...
by Ztx
Mon Mar 09, 2020 7:53 pm
Forum: Personal Investments
Topic: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?
Replies: 52
Views: 3168

Re: Ok, I'll ask it... temporarily getting out of the market with a small % of portfolio?

This question indicates you are not comfortable with the stock to bond ratio of your portfolio. If you do anything at all, you could lower the stock to bond ratio AND LEAVE IT THERE. Your stock to bond ratio (your AA) should be something you can be comfortable with during the good times and the bad...
by Ztx
Sun Mar 01, 2020 12:01 am
Forum: Investing - Theory, News & General
Topic: Where My 100% Equities Peeps At?!?
Replies: 211
Views: 21147

Re: Where My 100% Equities Peeps At?!?

Early 40s.. 100% stocks and holding firm!
by Ztx
Fri Feb 28, 2020 12:05 am
Forum: Investing - Theory, News & General
Topic: The Calm Post - Stay the course thread.
Replies: 511
Views: 45861

Re: The Calm Post - Stay the course thread.

100% stocks allocation. Staying the course!
by Ztx
Thu Feb 27, 2020 8:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19464
Views: 2695716

Re: U.S. stocks in free fall

Noticed something interesting about my behavior during downturns - the more market goes down the calmer I become. Here is my thinking: at the beginning I keep thinking "should I try to time the market this time and sell some"?" etc but after the market drops 10%+ I no longer consider selling because...
by Ztx
Mon Feb 17, 2020 9:13 am
Forum: Personal Consumer Issues
Topic: Blacklight and invisible ink for password
Replies: 32
Views: 2413

Re: Blacklight and invisible ink for password

Sandtrap wrote:
Mon Feb 17, 2020 8:55 am
tsohg wrote:
Mon Feb 17, 2020 6:36 am
I recommend the password manager 1Password.
+1
works great
reliable
j :happy
+1
Password manager is the best way to go.
I use LastPass though.
by Ztx
Mon Feb 03, 2020 10:38 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16734

Re: Tesla Stock

An honest question: do people typically negotiate when buying Tesla? If yes, I can't imagine why would negotiation process be much different. If no, then buying process at any dealership is easy and fast if you are willing to pay the sticker price. No, that's part of the point. The manufacturer is ...
by Ztx
Mon Feb 03, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16734

Re: Tesla Stock

An honest question: do people typically negotiate when buying Tesla? If yes, I can't imagine why would negotiation process be much different. If no, then buying process at any dealership is easy and fast if you are willing to pay the sticker price. No, that's part of the point. The manufacturer is ...
by Ztx
Mon Feb 03, 2020 10:22 pm
Forum: Investing - Theory, News & General
Topic: Tesla Stock
Replies: 301
Views: 16734

Re: Tesla Stock

TSLA is doing too many things well and will eventually destroy multiple things people hate. A few things people HATE: Traffic (Autopilot) I think Level 5 automation is still years away (at best). Anything below is not an autopilot. Dealing with big car dealerships and car salesman (Have you ever bo...
by Ztx
Mon Jan 20, 2020 12:15 pm
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17165

Re: Some possible luxury SUV choices to buy: Opinions?

Check out the hyundai palisade. We have one and love it. Fully loaded. Amazing safety. Do your research. 38k ish MSRP. 43k ish out of the door in California. Its sister car is the kia Telluride. These both are game changing. Spend a bit of time doing some research. Car and driver etc. They make the...
by Ztx
Mon Jan 20, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: Some possible luxury SUV choices to buy: Opinions?
Replies: 210
Views: 17165

Re: Some possible luxury SUV choices to buy: Opinions?

Test drive a 4Runner Limited AWD The 4Runner, Land Cruiser, and their Lexus equivalents are all body-on-frame, truck-based SUVs. Great for off-roading, but on-road ride and handling are very poor compared to the car-based SUVs (really crossovers) OP has listed, and fuel economy is also quite a bit ...
by Ztx
Sat Jan 04, 2020 2:07 pm
Forum: Personal Consumer Issues
Topic: Fridge water filter good enough?
Replies: 47
Views: 4436

Re: Fridge water filter good enough?

I installed a reverse osmosis water filter under the sink. The water quality compared to fridge filter is like night and day.
by Ztx
Wed Dec 11, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Summer trip to Germany ideas requested
Replies: 50
Views: 2563

Re: Summer trip to Germany ideas requested

Check out Rotenburg ob der Tauber. It's about half-way between Frankfurt and Munich on a so called "Romantic Road". It's a pretty cool, well-preserved medieval town.
by Ztx
Wed Nov 20, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Year in Europe (location advice)
Replies: 34
Views: 2612

Re: Year in Europe (location advice)

I'd probably go with:
Paris - good food, direct flights to almost anywhere in Europe, good train connections.
or
Munich - close to Alps, great biking infrastructure (if that matter to you)

both are reasonably centrally located.
by Ztx
Wed Nov 20, 2019 12:20 am
Forum: Personal Consumer Issues
Topic: What to replace my 2010 Q5 with
Replies: 39
Views: 2525

Re: What to replace my 2010 Q5 with

RX350 looks like it checks off all my boxes. doing more research now. As long as you don't like driving and have average-length or shorter legs, the RX is just about perfect. Reformed RX owner here. :) I definitely have short legs, but the car doesn't drive well? I was reading mostly great things a...
by Ztx
Sat Oct 19, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Any experiences (good/bad) with EasyJet for EU travel?
Replies: 24
Views: 2018

Re: Any experiences (good/bad) with EasyJet for EU travel?

I've flown them twice - they are ok. I believe seats didn't recline but not 100% sure.

What I do remember for sure is that they watch carry on luggage like hawks. I was asked to measure and weigh it both times so make sure it's nor over the (relatively low) threshold.
by Ztx
Sat Oct 19, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 10990

Re: Do you carry your passport with you during international travel?

Many countries require tourists to carry passports as a proof of legal entry. It's probably rarely (if ever) enforced but I carry passport with me in a safe bag (google "PacSafe bags"). One additional benefit is tax-free shopping that typically requires a passport to get a discount. Do you carry a ...
by Ztx
Tue Oct 15, 2019 12:36 am
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 3423

Re: Car renting

My 2 cents: - Agreed with the previous posters that there is not much difference between major rental companies. Those ratings are mostly meaningless unless the difference is more than 1-1.5 stars. - I always take pictures of the car while still on the lot. In case there try to put previous damage ...
by Ztx
Mon Oct 14, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: Car renting
Replies: 29
Views: 3423

Re: Car renting

My 2 cents: - Agreed with the previous posters that there is not much difference between major rental companies. Those ratings are mostly meaningless unless the difference is more than 1-1.5 stars. - I always take pictures of the car while still on the lot. In case there try to put previous damage o...
by Ztx
Mon Oct 14, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Selling used car experience (dealer vs online vs in person)
Replies: 28
Views: 3239

Re: Selling used car experience (dealer vs online vs in person)

I sold my last 2 cars on Craigslist - no issues and sold within a week. I read that the cars that sell the best are under $10K (both of my cars were). Just make sure to meet at the bank so you could deposit cashiers check or cash right aways to make sure it legitimate. Do not take personal checks.
by Ztx
Mon Oct 14, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with dentist fees
Replies: 82
Views: 6731

Re: Frustrated with dentist fees

As many people already mentioned, it's not easy to know beforehand what insurance will or will not cover. Even if dental office calls insurance and tries to get that information, it's not always fully correct. It happens all the time that insurance representative says that a service will be covered,...
by Ztx
Mon Oct 14, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 10990

Re: Do you carry your passport with you during international travel?

Many countries require tourists to carry passports as a proof of legal entry. It's probably rarely (if ever) enforced but I carry passport with me in a safe bag (google "PacSafe bags"). One additional benefit is tax-free shopping that typically requires a passport to get a discount.
by Ztx
Sat Oct 12, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 666

Re: Reliable SUV under $10K. Any recommendations?

bloom2708 wrote:
Sat Oct 12, 2019 12:55 pm
I like the size and smooth ride of the Edge. It would be a good choice. 2013 and up Escape if she thinks the Edge is too big.
Thanks! Escape might be on a smaller side. How was your experience reliability-wise with Edge?
by Ztx
Sat Oct 12, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 666

Re: Reliable SUV under $10K. Any recommendations?

Howdy Bogleheads! Looking for a reliable suv recommendation for my mom for under $10K. She will drive it for 2-3 years, probably 6-7 K miles per year. It needs to be able to safely transport her granddaughter. Any thoughts on Ford Edge 2011-2012? Looks like I can get one for ~$10K or so. Also looki...
by Ztx
Sat Oct 12, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Reliable SUV under $10K. Any recommendations?
Replies: 5
Views: 666

Reliable SUV under $10K. Any recommendations?

Howdy Bogleheads! Looking for a reliable suv recommendation for my mom for under $10K. She will drive it for 2-3 years, probably 6-7 K miles per year. It needs to be able to safely transport her granddaughter. Any thoughts on Ford Edge 2011-2012? Looks like I can get one for ~$10K or so. Also lookin...
by Ztx
Sat Sep 21, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5330

Re: Dental Insurance for Retirees

There is no such thing as dental "insurance." What do you mean? I pay Aetna $31 a month for dental, vision, and hearing insurance. TravelforFun Dental "insurance" is the opposite of insurance. It covers basic small stuff but coverage is very poor for major expensive work. It would be like if your a...
by Ztx
Mon Jul 08, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4850

Re: How to obtain contracted rates for medical procedures?

The "negotiated rates" are created and kept by your insurance company, NOT the doctors office. If you have the CPT codes, just ask your insurance. Good luck on getting them to tell you though. They won't even tell the doctor's office. The office does NOT bill the "negotiated" rate, they bill their ...
by Ztx
Mon Jul 08, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to obtain contracted rates for medical procedures?
Replies: 97
Views: 4850

Re: How to obtain contracted rates for medical procedures?

The "negotiated rates" are created and kept by your insurance company, NOT the doctors office. If you have the CPT codes, just ask your insurance. Good luck on getting them to tell you though. They won't even tell the doctor's office. The office does NOT bill the "negotiated" rate, they bill their ...
by Ztx
Sat Jun 22, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 8974

Re: How do you approach tipping at carry-out restaurants

I just tip $1-$2 for carry-out.
by Ztx
Sat Jun 22, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: First Class Seats Domestic USA
Replies: 26
Views: 2317

Re: First Class Seats Domestic USA

I recently scored inexpensive first class tickets on Alaska Airlines (surprisingly it was just one way $70 more than coach) and the seats were extremely comfortable , wide and with tons of leg room. (it was a small Embraer E75). Not sure how to go back to coach experience now , but I won't pay "full...
by Ztx
Fri May 24, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Fly cross-country with a cat
Replies: 56
Views: 2410

Re: Fly cross-country with a cat

I flew with a cat few times on American Airlines and it was not a problem (2 hr flight though). But you need to call the airline and notify them about the pet since, I believe, there is a limit for number of pets on each flight. There is a small extra fee (I think $50 or so) Yes, definitely get a ca...
by Ztx
Thu May 23, 2019 9:56 pm
Forum: Personal Consumer Issues
Topic: Best bassinet
Replies: 25
Views: 1579

Re: Best bassinet

+1 for the Halo Bassinet. We used it only for 3-4 month and then the baby moved into a crib in a separate room but it was very convenient.
by Ztx
Tue May 21, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9530

Re: Anyone else looking forward to Game of Thrones?

. Daenerys's actions don't make sense, She's been on the verge of making rash, impulsive decisions since day one. She's had advisers to keep her in check. Combined with the loss of two of her children, plus Missandei and Ser Jorah, her actions were entirely predictable. She's wanted to burn cities ...
by Ztx
Tue May 21, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 9530

Re: Anyone else looking forward to Game of Thrones?

I think the last season was pretty disappointing. It has great visuals but the story wasn't as good as before. Daenerys's actions don't make sense, Jon Snow did so many stupid things. Such buildup for 7 season for nothing...
by Ztx
Sun May 19, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Recent Stays in Riviera Maya Area of Mexico
Replies: 11
Views: 1733

Re: Recent Stays in Riviera Maya Area of Mexico

Went in December last year and it was bad. Big hotels do clean their beaches so it's less of a problem (we stayed in the city though).
We like to swim in the ocean and there was quite a bit of seaweed - not very pleasant .
by Ztx
Sun Apr 28, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3881

Re: Is 2 weeks in Amsterdam a bit much?

We spent 4 days and it was plenty (not interested in art though). I recommend to at least take a day trip somewhere (we went to Rotterdam and spent an awesome day biking do Kinderdijk (place with windmills- very prety!)
by Ztx
Sun Apr 28, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: The wisdom of prepaying notes (car, home, etc.)
Replies: 38
Views: 3067

Re: The wisdom of prepaying notes (car, home, etc.)

It may not be logical for you or many. Everyone's situation is different. I wanted a safer, nicer, newer car. And I can afford it. My CPA also tells me I can tax deduct it, which was a nice surprise. The delta on the interest rate was minimal for an 84 month versus a 36/48 month note. That being th...
by Ztx
Thu Apr 04, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 28
Views: 2851

Re: cost analysis on buying vs. renting skis?

Former ski instructor here (and one who owns a dozen skis for different conditions). Rent everything except boots. Why? Its a hassle to carry skis around, you have to maintain them, and they are really irrelevant. Changing skis doesn't change the ski experience much. Boots on the other hand, make a...