Search found 349 matches

by carguyny
Thu May 30, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford this 2.3 million dollar home?
Replies: 273
Views: 28521

Re: Can I afford this 2.3 million dollar home?

I was at about $1 million income and Low $2 millions net worth and I bought a $4 million house about 3 years ago. I had similar concerns but went for it, even though many on the board told me not to. Since then net worth is up to about $5.6M and the home has appreciated from $4M to $5M. If you love...
by carguyny
Mon Mar 25, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 6533

Re: Family man who misses driving a fun car

Add a highly depreciated fun car like a Porsche 964 C2 manual. The whole sporty SUV thing is a joke (owned a Macan S and Macan Turbo as an example) vs a real sports car.

You will just need to pay maintenance and insurance if you buy the right car.
by carguyny
Thu Mar 21, 2019 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Best Bank for Newlyweds
Replies: 27
Views: 1841

Re: Best Bank for Newlyweds

The big banks are terrible - I've tried them all as a top tier client. Pick a bank to use for a safe deposit box and nothing else. I like Fidelity for checking as I just buy a money market account and it's a combined savings/checking in one with free everything (including domestic wires). Not sure i...
by carguyny
Tue Mar 19, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 4844

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

Which is the highest priority? Ever worn minimalist/barefoot shoes?

check out for more casual focus:
https://www.vivobarefoot.com/us/mens/ev ... Light+Grey

or if you want to focus more on hiking:
https://www.vivobarefoot.com/us/mens/ev ... our=Indigo
by carguyny
Wed Mar 06, 2019 8:14 am
Forum: Personal Consumer Issues
Topic: Anybody have a vehicle with ventilated driver's seat?
Replies: 25
Views: 1514

Re: Anybody have a vehicle with ventilated driver's seat?

Had many cars with them - I run hot (high metabolism) and for me I would take vented seats over normal AC any day. Way more effective than cooling the air around you. Every car I've had with them has been a Porsche, so not sure how other brands compare.
by carguyny
Fri Feb 15, 2019 7:56 am
Forum: Personal Consumer Issues
Topic: Which sports car ride in Nice, France?
Replies: 10
Views: 959

Re: Which sports car ride in Nice, France?

As others have said, you need to drive the car or it's no different to sitting on a roller coaster. Hot lap on a race track in a proper race car is a different story where you will get to experience a very different sensation. I would suggest renting a 911 for 2 days and doing some touring yourself....
by carguyny
Tue Feb 05, 2019 8:21 am
Forum: Personal Investments
Topic: Besides your core.. anyone also hold a play account?
Replies: 61
Views: 3571

Re: Besides your core.. anyone also hold a play account?

I have a 7 figure treasury portfolio that I use as margin to trade futures. Average about $30k/mth in additional income. Both Dec and Jan we're great for me at $50K+ each. I never take more than $100k in exposure and will stop loss if I need to. It will probably be my mental stimulation in retirement.
by carguyny
Wed Jan 30, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22567

Re: Why doesn't a lot of money feel like a lot of money?

I grew up very poor, visiting relatives that lived in trailer parks, my parents ultimately lost the family home to foreclosure etc. These days I make 7 figures every year - have for more than a decade. It still doesn't feel like a lot, largely because other than cars I don't spend any of it. While I...
by carguyny
Sat Jan 26, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: New Home Computer of Some Kind
Replies: 40
Views: 2387

Re: New Home Computer of Some Kind

Pixelbook is the best laptop I've ever owned. I've owned 10+ MacBooks over the years, probably similar number of Dell and Lenovo. Also Sony, HP etc - tried to get back into a MacBook recently but they've not changed in many years now and iOS seems as bad as Windows. If you can get what you need to r...
by carguyny
Wed Jan 16, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 8122

Re: When would you stop being a Boglehead?

As my wealth has grown I get less and less interested in paying fees and more interested in protecting wealth. I refuse to even use market orders, pay fees on owning individual bonds, buy secondary bonds vs auction as I want to avoid any hidden spreads etc. I get marketed to by Goldman, Morgan, Citi...
by carguyny
Tue Jan 15, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 19197

Re: Are You Dumping Netflix?

I use Starz ($5/mth), Youtube Preium ($10/mth), Hulu ($1/mth) and Amazon Prime Video. Netflix original content was always pretty average to me having subscribed and cancelled a couple of times. Lots of free content/movies on things like Vudu, Sony Crackle, Tubi etc.
by carguyny
Fri Jan 11, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Who's flying?
Replies: 83
Views: 10787

Re: Who's flying?

Flew Wed and Thu this week - saw no difference.
by carguyny
Thu Jan 10, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 242
Views: 14472

Re: Disciplined with finances, but not so with diet

Intermittent Fasting - take a look at some of the Thomas Delauer videos on youtube as a start. Lots of research on it and benefits to general health. I would go with a 16 hour fast, 6 hour eating window to get started. For example - skip breakfast, time lunch so it's 6 hours before dinner and have d...
by carguyny
Sun Jan 06, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 8650

Re: United, American Airlines, Delta--about the same?

I'm going to rank it a bit differently with Delta > American > United. I'm top tier status with all 3 (though United will drop this year to Platinum), I travel about 100 days/year. United has really gone down hill, I went from flying them exclusively to only when I have to for the best options. Delt...
by carguyny
Fri Dec 28, 2018 7:08 am
Forum: Personal Consumer Issues
Topic: Superautomatic espresso machines
Replies: 37
Views: 3262

Re: Superautomatic espresso machines

They make an average crema, cost too much and things break. I do mine the old fashioned/manual way (including a manual grinder for the beans). I used to pay $6.75/coffee in NYC and now make much better espresso at home for about $0.15/double. I use a lot of sole source beans from different local roa...
by carguyny
Sat Dec 15, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Berkshire Tempting
Replies: 38
Views: 6127

Re: Berkshire Tempting

How have you treated cash and goodwill in coming up with the P/B? I certainly wouldn't apply a multiple to those thinking that 1.3x is cheap. You're paying $130bn for $100bn of t-bills in the corporate calculation. The business assets are more like 1.75x P/B doing it in my head from memory of about ...
by carguyny
Fri Dec 07, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Marriott data breach, what are you doing about it?
Replies: 11
Views: 1421

Re: Marriott data breach, what are you doing about it?

The only data in my profile is my physical address, email address (tier 2 website one that I will delete in a year or two for rotation) and cell phone. My real emails (statements from banks etc) all go to an email that is never given out. I never put anything but the minimum required to open an acco...
by carguyny
Sun Dec 02, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4805

Re: Please Recommend a New Car for Me

Ride share (Uber/Lyft/Via) - rates will keep coming down and used car values will continue to tank. Rent a car on specific days you need it and I'm sure you're better off. If in a busy city, can you rent out vacant car parking spaces? I used to make $850/mth renting out two spaces I wasn't using at ...
by carguyny
Thu Nov 29, 2018 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 10706

Re: How did YOU choose your career?

I was very good at maths and physics in HS, so thought I wanted to do computer science, which was a newish field still. Very very early internet days. I enrolled in the program and hated my professors and didn't want to spend my life working with people like them. I switched to Finance because it wa...
by carguyny
Tue Nov 27, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 94
Views: 7713

Re: Is good, quality luggage worth the price?

I'm on the road a lot and average about 100 flights a year. I have a huge hatred of any wheeled bags. I refuse to let my team memebers that travrl with me bring them. They just slow you down and don't fit in all aircraft. My current bag is a small duffle with a suit carrier that drapes over it. It c...
by carguyny
Fri Nov 23, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 6443

Re: New TV Recommendations Please?

Best options when I was looking were the Samsung Q9FN (QLED) and LG OLED 8 series. We went the Samsung for the simple reason our room is very bright and the picture in the middle of sunlight is outstanding. No regrets on the decision, but next one we will buy is likely the LG OLED Wallpaper TV as th...
by carguyny
Thu Nov 22, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 4065

Re: Men's crew neck t-shirts

RibbedTee. You’re welcome. +1 - I'm a huge fan of their EVO Tencel Tan V-Necks, won't buy anything else now. Before that I wore Merino for years and regular cotton for 10+ years. RibbedTee only these days, unless I'm heading to say Calgary in the middle of winter, then I throw on a Merino one inste...
by carguyny
Tue Nov 20, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Good oil for cooking and salad?
Replies: 38
Views: 2649

Re: Good oil for cooking and salad?

Trader Joe's Tunisian Olive Oil for salads and flavor. Go with Coconut for high temp cooking - TJs has it in spray form etc.
by carguyny
Tue Nov 20, 2018 6:34 am
Forum: Personal Investments
Topic: Can someone explain what's going on [with the stock market]?
Replies: 96
Views: 13822

Re: Can someone explain what's going on..........

Many leading indicators right now continue to point to a global and US slowdown. Corporate debt to me has been the most likely cause of a next 50% drop and that is still getting worse.

I don't read the financial press, so not sure what they're saying.
by carguyny
Sat Nov 10, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 4373

Re: International Travel during Maternity/Paternity

Unless you take a nanny, you're just going to spend money on a accomodations and not see much. Also, an infant in a b&b will likely end up with you being asked to leave. Some kids also have complications and need to have far more frequent medical care. Some kids are easy, but as a first time parent ...
by carguyny
Sat Nov 10, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4411

Re: aerobic exercise: rower vs. treadmill and elliptical

There are plenty of options and what matters more is what you'll use more. You mention a budget as well, there are some great cardio budget options. Some of my favorites are sledge hammer and tire, bulgarian bag, heavy boxing bag and mits. I have a rower, do sprint training, bike etc. But I would go...
by carguyny
Sat Nov 10, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 127
Views: 13641

Re: Finances in NYC

I wouldn't do it - you'll be living a very tough lifestyle. Everything is expensive, much more expensive than you think. Eating out/bars/groceries are going to seem stupidly expensive.

We pay fresh graduates about $185k/year and they all share apartments due to the cost of living.
by carguyny
Wed Oct 31, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How much to offer on new construction home
Replies: 31
Views: 2398

Re: How much to offer on new construction home

With no gutters, I would expect some foundation damage or flood damage. All the rainwater is running off the roof and sitting in the foundation. We had one storm where our basement flooded due to gutters needing a cleaning. This was the one and only time it happened despite multiple hurricanes. I wo...
by carguyny
Fri Oct 26, 2018 7:04 am
Forum: Investing - Theory, News & General
Topic: Market irrationality
Replies: 35
Views: 4360

Re: Market irrationality

I don’t think that it’s irrational for the market to react to: 1.) significantly above average valuations 2.) newly implemented (and increasing) impediments to trade In fact, I’d say that Mr. Market is reacting appropriately. +1 - Add in highly probable wage inflation, inflation ticking up and I wo...
by carguyny
Thu Oct 25, 2018 11:50 am
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 8134

Re: Reaction to Market

Hard to tell if this is the start of a 50%+ drop or a minor correction. Make sure you're positioned for either. There have been only two bear markets with US stock market declines (as measured by the S&P500) in excess of 50% ('29-'32 down 86% and '07-'09 down 56%). One would have to have an incredi...
by carguyny
Thu Oct 25, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Exotic Car Financing
Replies: 37
Views: 1825

Re: Exotic Car Financing

Car market has been hot/over extended for a while now. I would assume more depreciation (double what you have) in whatever you buy, some cars are more resiliant - e.g. 458 Speciale, GT3 RS etc. But unless you're buying one of them assume you're going to have a very hard time finding a buyer in 3 yea...
by carguyny
Wed Oct 24, 2018 9:04 pm
Forum: Personal Investments
Topic: Reaction to Market
Replies: 71
Views: 8134

Re: Reaction to Market

Best thing you could do is look at your asset allocation and adjust as necessary based on your reaction to the last few weeks. Hard to tell if this is the start of a 50%+ drop or a minor correction. Make sure you're positioned for either.
by carguyny
Tue Oct 23, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4619

Re: Coffee grinder

I only drink Espresso, my preferred grinder at the moment is the Helor 101. For some reason I enjoy the manual grind routine much more at 4:45am than electric. Espresso grade electric is also very expensive, but I love the manual process.

https://helor-coffee.com/101/
by carguyny
Mon Oct 22, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 57
Views: 5521

Re: What to do with >$1000 in Amazon credits?

In our market which us UHCL, we save a lot for money by using Amazon subscribe and save for things like tea bags, toilet paper, paper towels, laundry detergent, pet food, dry groceriec etc. We have over 20 subscriptions getting 15% off. Might be wrorth comparing to use up the balance.
by carguyny
Sat Oct 20, 2018 5:30 pm
Forum: Personal Investments
Topic: Constructing a 100% equity diversified Factor portfolio
Replies: 14
Views: 1895

Re: Constructing a 100% equity diversified Factor portfolio

You're missing a lot of options, do more research and find what you like best. Some examples include without having to google any are GEM, GSIE, GSSC, GSLC, USMF, DWMF, EMMF. Lots of choices, some with substantial assets, low bid/asks and some with hardly anything. Make sure you understand what hold...
by carguyny
Fri Oct 19, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: How do you trade ETFs exactly like mutual funds?
Replies: 35
Views: 3687

Re: How do you trade ETFs exactly like mutual funds?

Certain brokers (.e.g. Interactive Brokers) let you place "Market at Close" orders, so it will be pretty close. However, it doesn't account for the premium/discount the ETF might be trading at.
by carguyny
Tue Oct 16, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 2070

Re: Sneakers with good arch support

I'm going to buck the trend and say to retrain your body to get used to a natural footstrike. I was a candidate for a knee reconstruction after playing football for 20 years. I started doing my own research when the barefoot movement was new (some 12 years ago) and have been running/powerlifting/mou...
by carguyny
Sun Oct 14, 2018 5:42 am
Forum: Non-US Investing
Topic: 1M Portfolio - Asset allocation for mid 40's [Australia]
Replies: 13
Views: 1650

Re: 1M Portfolio - Asset allocation for mid 40's [Australia]

Just having a quick look at the Vanguard Australia website, can't you save on fees by going with VTS (Vanguard US Total Market Index) and VEU (anguard All-World ex-US Shares Index) vs VGS? Not sure on the currency differences, but VGS isn't hedged either.
by carguyny
Sun Oct 14, 2018 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 110
Views: 14007

Re: Weigh in on our Marital Argument =)-- HCOL edition

Not clear you've included NYC taxes in your analysis, they're about $11,800/year for you. Moving to the suburbs is more likely going to cost you a lot less and improve school quality and quality of life. The NYC schools generally aren't very good. Don't be worried about commute time, I take a train ...
by carguyny
Sat Oct 13, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2928

Re: Making Winter Camping more comfortable

I like to take the bare minimum. Outwear/shells (1 down jacket, 1 hard shell jacket, 1 hard shell pants, 1 soft shell jacket, 1 soft shell pants, glovesx2, beaniex2) and 2 pairs of tights, shirts, socks and undies (all merino) will get me through any length of time. If it's colder, I like the merino...
by carguyny
Fri Oct 12, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7988

Re: My life saved by New subaru. Almost died.

OP, glad it avoided the crash for you. We've had these systems in all of our family cars for years now. If you watch some of the European safety agency videos they actually test them using foam obstacles to see how each manufacturers system operates. I watch all of these videos on various cars befor...
by carguyny
Fri Oct 12, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 3109

Re: TV recommendation for my father

I have the current top of the line Samsung and the remote has maybe 10 buttons. We use YouTubeTV and it's installed as the default app. Literally the only buttons used on the single remote are power, the scroll wheel, enter and back. It's much simplier than any cable service remote. The channel list...
by carguyny
Wed Oct 10, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 42
Views: 5588

Re: Pls help us design our family life!!!

Take the $220k cash and add $20k to emergency fund, pay the rest off the mortgage. Don't refinance nor recast the mortgage as this will get you on a path to have it paid off sooner. IMO, you need a forced savings plan above the $700/month if you don't want to cut expenses - it will be tied up in you...
by carguyny
Wed Oct 10, 2018 6:10 pm
Forum: Personal Investments
Topic: What did you buy today
Replies: 119
Views: 9855

Re: What did you buy today

10 year treasury notes in the auction, 30 year treasury auction is tomorrow.

I run a 50/50 short term and long-term treasury only bond allocation.

Hopefully rates continue to improve.
by carguyny
Tue Oct 09, 2018 2:17 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 5369

Re: Should I, and how, act on changes in managing diet and health?

One way to play out your thesis and also continued population growth is to invest in Water and Agriculture. Many ways to do this, but if you took a small allocation (5% or so) in these sectors you can play your bet. Note it's a bet, despite what you think health wise. I've always taken very serious ...
by carguyny
Sun Oct 07, 2018 10:08 pm
Forum: Investing - Theory, News & General
Topic: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat
Replies: 77
Views: 8740

Re: Surprised by Jack's answer to Fidelity's 0 mgmt fund threat

What is the actual benefit of the Vanguard ownership structure? I for one feel nothing like an owner, there are no financial reports, no voting ability, no reduced exec comp (not McNabb was rumoured to earn up to $15m/year etc. Vanguard is now behind Blackrock, Fidelity and Schwab in many core fund/...
by carguyny
Sat Sep 22, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Linking Interactive Brokers (Checking) Account to an External Bank
Replies: 8
Views: 2054

Re: Linking Interactive Brokers (Checking) Account

I have my bank accounts saved on the IB side - takes about 3 or 4 days for each ACH to be available. BPay is actually the fastest if your bank has them in their system. I can BPay as late as 8pm ET and it clears on the IB side by 10am the next morning.
by carguyny
Thu Sep 20, 2018 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Traveling overseas .. credit cards? cash exchange?
Replies: 43
Views: 3054

Re: Traveling overseas .. credit cards? cash exchange?

Was in Norway last month and was shocked that some hotels and restaurants DO NOT TAKE CASH. Credit/debit cards only. Times are a'changing…. Was in Italy last month and if you're off the beaten track many places only take cash. Norway and Italy are very different places. What I travel with and I tra...
by carguyny
Wed Sep 19, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Why is it so much cheaper to borrow money in Euros?
Replies: 19
Views: 2600

Re: Why is it so much cheaper to borrow money in Euros?

True risk free trade the cost will be within 1 or 2 bps of each other. You need to borrow Euro, convert to USD at spot, have small forwards on coupon payments, have maturity payment forward for principal. Last time I needed to calc it all out, they happened to be spot on - ignoring transaction costs.
by carguyny
Mon Sep 17, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Travel- overwater bungalows
Replies: 16
Views: 2589

Re: Travel- overwater bungalows

OWBs at the Hilton in Moorea (we didn't go to Bora Bora) were NOT secluded (unless maybe you were the end unit), as a boardwalk connected them (not a boat). So the ones closest to the shore were guaranteed to have people walking buy. To be honest, we didn't think that much of Tahiti. It is like a v...