Search found 260 matches

by cantos
Sat May 18, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 28
Views: 3377

Re: Arc'teryx - Anyone else here splurge?

I have nice stuff like Arc, Pata, other stuff, but I don't fool myself into believing any of it is necessary. I have hiked in a jiffy 10 miles up to 12,000 ft in Eddie Bauer hiking pants ($50), shirt ($30), nylon sweater ($30), and uniqlo down jacket ($50). I have seen people do amazing things up mo...
by cantos
Fri May 17, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 5892

Re: Which car has the best or most comfortable cabin under 35K

I'm surprised by the Ford Fusion owners here - I happen to have one too, 2014 Ford Fusion Energi Titanium. Very nice on the inside. When I take passengers I do get compliments. Wife also likes to ride in it/sleep in it for longer rides. It's more of a BMW-clean look inside than a Benz-wood look. My ...
by cantos
Tue May 14, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 35
Views: 2522

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

Perhaps the most sophisticated piece of modern technology, the iPhone, is made in China. But oh no, you best stay away from China made products.
by cantos
Sat Jan 19, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 7027

Re: Is the security check website "Have I Been Pwned?" legit?

The 'collection 1' data breach may be the most significant one to date. So you'll hear HIBP more. If you think giving your password to a site is a security problem you need to educate yourself. Change your password and get a pw manager.
by cantos
Thu Jan 10, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10175

Re: Disciplined with finances, but not so with diet

300 calories for breakfast. Egg McMuffin. 560 calories for lunch. Big Mac. 900 calories for dinner. Chick-Fil-A sandwich and fries. Coffee, diet sodas or water to drink. I lost 40 pounds eating mainly fast food. There are better, more nutritious ways, of course, but it's really easy to keep track o...
by cantos
Thu Jan 10, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 10175

Re: Disciplined with finances, but not so with diet

300 calories for breakfast. Egg McMuffin. 560 calories for lunch. Big Mac. 900 calories for dinner. Chick-Fil-A sandwich and fries. Coffee, diet sodas or water to drink. I lost 40 pounds eating mainly fast food. There are better, more nutritious ways, of course, but it's really easy to keep track o...
by cantos
Sat Jan 05, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 113
Views: 18480

Re: Umbrella Policy: Right amount for $7 mil net worth?

The misinformation on this thread is legion. I have done plaintiff, defence, and in house work for insurance cos. The amount of insurance limits you buy almost certainly has no bearing with what kind of lawyer you are "buying" to defend a case All i will say for now is the OP's umbrella insurance am...
by cantos
Tue Nov 27, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Looking for a car that can handle a long commute, any suggestions?
Replies: 74
Views: 5326

Re: Looking for a car that can handle a long commute, any suggestions?

I've posted before here, I like my Ford Fusion Energi 2014. Plug in hybrid, great on gas and highway driving is solid. I am in snow country and have Michelin x-ice, does well. Also has adaptive cruise etc. A note on quietness. A quiet car is not quiet. On electric mode all you hear is everything but...
by cantos
Wed Nov 07, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: New job concerns
Replies: 52
Views: 5607

Re: New job concerns

I have the pleasure of taking a view contrary to most here. Work the hours you want to work. Get the results you need to get. I have never worked for face time or put in more hours than I want. I have been let go once. Maybe that was the reason, maybe not. I am one of those where ""self care" isn't ...
by cantos
Wed Nov 07, 2018 3:05 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 118618

Re: High Earners - What's Your Profession?

Keenobserver wrote:
Tue Nov 06, 2018 12:18 pm
Where all the doctors and lawyers?
Here's one. Lawyer, around 200k, in house. In my private practice days there were feast and famine years, "famine" at 100k and feast at 500k. I've been lucky so far.
by cantos
Thu Oct 18, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6696

Re: Personal Adventure - recommendations

I haven't met too many fit 68 year olds who can reach summits so I hope your self assessment is correct. I think there's plenty of fun and challenge doing the 14ers.com in Colorado. Hiking and summitting 14,000 ft elevation on a 3 to 6+ mile hike (double that for a typical out and back) with 3,000 f...
by cantos
Wed Oct 17, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5621

Re: Maserati Experiences

Funny story. Got a Maserati Biturbo 1985 in 2008. Reviews say it's a terrible car. I loved it. A beautiful rumble everywhere I went. Highway at night with a girl at high speed, great memories. Back seat a make out couch. Suede roof for heaven's sake. Broke down in a big city, overheated, lifted up t...
by cantos
Tue Oct 02, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Shows in Las Vegas for 6 and 8 year old
Replies: 23
Views: 1634

Re: Shows in Las Vegas for 6 and 8 year old

Go hike Red Rock Canyon. One of the best hiking spots on earth.
by cantos
Mon Oct 01, 2018 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 14448

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

Lots of posts here by people who have not read it and are speculating. I'm in the middle of reading it and it's terrific. Her daughter, a psych PHD, does a good job refuting the criticisms of the earlier book, conceding where necessary, and in general updating it to 2018. I recommend it for the Bogl...
by cantos
Mon Sep 24, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Ripped off by a locksmith
Replies: 75
Views: 5879

Re: Ripped off by a locksmith

they said $100-$150 depending on difficulty, he literally spent 5 seconds to run the piece of plastic up the crack in the door to open, and was at the house less then 2 minutes. so I think that would be the lower end of difficulty. also they said 25 minutes and he took over an hour and a half, beca...
by cantos
Mon Sep 17, 2018 9:22 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5752

Re: WSJ print edition renwal time - any discounts?

We should start an app thread... nytines has a great crossword app!
by cantos
Sun Sep 16, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13714

Re: Considering Quitting Job - Seeking Advice. Would you do it?

This is one of the best threads I've read on Bogleheads. :beer
by cantos
Sun Sep 16, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 68
Views: 5752

Re: WSJ print edition renwal time - any discounts?

Guys - your local library has a subscription to WSJ. You can read it online with an app any time you want for free. Nothing could be more bogleheady, except the Luddites.
by cantos
Sun Sep 16, 2018 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 157
Views: 13714

Re: Considering Quitting Job - Seeking Advice. Would you do it?


As I said in the original post, I never been a quitter in life. I take pride in my work and wish I could see it to retirement. That said, the sacrifice is huge and, according to my analysis, unnecessary in most cases. A tough decision my interwebs friend. You've mentioned twice now that you've nev...
by cantos
Thu Sep 13, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11911

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I'm curious if folks that are FI, or close to it, and who have fought to climb a corporate ladder have found their desire waning. Early 40s, same thing. I'd rather have work from home than a higher salary/more responsibility any day. Since that's not possible at this antiquated shop, I instead take...
by cantos
Sat Sep 01, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Medical liability claim settlement. What is fair?
Replies: 40
Views: 2726

Re: Medical liability claim settlement. What is fair?

The following is not legal advice. Information that is missing includes the long-term prognosis of the injury. If the prognosis is not great then $50k seems very low for a fracture. If the fracture involves a moving joint/etc then I question $50k. If no doctor has weighed in on long-term prognosis t...
by cantos
Fri Aug 31, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3352

Re: Piano for a child

Digital pianos are not dissimilar to digital cameras. Less expensive, less maintenance, less carrying cost, lighter, faster, easier, and more features than their mechanical counterparts. There's still a place for film cameras and mechanical pianos in terms of their artistic value, historical authen...
by cantos
Tue Aug 28, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Minivan for family of 4.
Replies: 34
Views: 3130

Re: Minivan for family of 4.

Fam of 4, Honda Odyssey here and love it.

Muad'dib Muad'dib Muad'dib Muad'dib Muad'dibMuad'dibMuad'dibMuad'dibMuad'dibMuad'dibMuad'dibMuad'dibMuad'dib
by cantos
Sat Aug 25, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3213

Re: Is it worth chasing down this $10 fee?

I bought a bottle of perrier at the corner store. Was double charged. You better believe I disputed the charge with my credit card co. I got the money back after a couple months.
by cantos
Thu Aug 23, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5647

Re: Test your cognitive biases

harvestbook wrote:
Thu Aug 23, 2018 8:14 am
Is there a name for the bias that causes you to only take tests you know you can ace?

Because I definitely am not taking this test!
Confirmation bias. :idea:
by cantos
Sun Aug 19, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5282

Re: Your major and investing/finance?

Philosophy, existentialism.

You are defined by your actions. Not what you did before. What you do now. And every time you do something, it defines you.

I think I have a great ability to change, adapt, and learn, and I think it comes from this. (Not humble)
by cantos
Mon Aug 13, 2018 11:15 pm
Forum: Personal Investments
Topic: Asked my advisor about fees and here's their reply
Replies: 60
Views: 9174

Re: Asked my advisor about fees and here's their reply

John, how many funds do you have. Would you mind posting some of them along with ticker symbols? Paul Sure, heres what I see: DFTCX $47,500 DFTWX $21,500 QTMRX $18,000 DFSMX $13,700 DFTIX $13,000 BTIIX $18,000 DGEIX $11,500 DFUVX $10,600 DURPX $10,600 AMOMX $1,500 DFSVX $7800 DFSTX $6000 DFVIX $950...
by cantos
Thu Aug 09, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Looking for a pep talk
Replies: 39
Views: 5143

Re: Looking for a pep talk

No idea what your expenses are or if you don't have kids, or if you are living in a HCOL. At $350k, you may be able to save $100k and still live comfortably. Which means your net worth would go up $100k this year, which is a huge increase from $450k (20%). Do this for 10 years and even if nothing ha...
by cantos
Wed Aug 08, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 26890

Re: TSLA privatization

He's not going private. He was stabbing at the short sellers with his tweet. The $420 price is a joke; 420 is of course short for marijuana smoking time. He has hubris and can't take the criticism. We are watching a man breakdown mentally.
by cantos
Wed Aug 08, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: A week in Budapest?
Replies: 22
Views: 1671

Re: A week in Budapest?

And one of my favourite songs of recent vintage:

https://www.youtube.com/watch?v=VHrLPs3_1Fs
by cantos
Mon Aug 06, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 217
Views: 32056

Re: Anyone disenchanted with retirement?

This post is not for me. I still have over 2 decades to retire. Only wanted to get something out. I am sick of the rat race! I want to get out of it as soon as possible! My job is not stressful, commuting is relatively short, my boss is nice, I work on spreadsheets and I love spreadsheets! But man,...
by cantos
Fri Aug 03, 2018 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Making a mistake considering a new job?
Replies: 31
Views: 2306

Re: Making a mistake considering a new job?

Super valid points. We're going in eyes wide open that things may be what they seem, things may spiral out of control, I won't have the built up respect I do at a new company. My current company has partnered with this specific company and everyone I've met has been top notch. They're also known fo...
by cantos
Fri Aug 03, 2018 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Few weeks into new job recieved significantly better offer elsewhere
Replies: 103
Views: 10644

Re: Few weeks into new job recieved significantly better offer elsewhere

I understand. Just a little omission here. A little fudge there. A title tweak over there. It is a wild world out there. I guess the OP just should not show up one day and email his new boss (who quickly will be the old boss). Sorry. Took a new job. It's all digital now. :wink: If you are implying ...
by cantos
Thu Aug 02, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3935

Re: New job commute

Hello everyone, Thank you all in advance for listening and providing valuable advice, this forum has been great. I recently started a new job, receiving the highest pay I have gotten in my career thus far. The commute has been stressing me though, its 3hrs round trip (1.5 hr each way about 34 miles...
by cantos
Thu Aug 02, 2018 6:23 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6429

Re: Talk to me about Le Creuset

I have lodge cast iron skillets of different sizes and they perform well, but they are not a Le Creuset Dutch oven. Two entirely different things and if lodge makes a Dutch oven I doubt that it has ceramic insides. Lodge makes a perfectly fine ceramic dutch oven. We have one. The lid holder was com...
by cantos
Tue Jul 31, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2631

Re: Durable Dress Shoes for Commute

I did the same, and now I wear whatever is most comfortable - hiking shoes, loafers, running shoes, boots, etc., depending on the season. I change in the office. Nobody blinks an eye. That said, I like to wear Rockports too, both in and out of the office. I say do NOT go with Ecco shoes, on mine the...
by cantos
Wed Jul 25, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: How much car can I buy?
Replies: 46
Views: 2484

Re: How much car can I buy?

BUT, we have experienced a lot of lifestyle inflation recently with kids, a big mortgage, etc. Wife and I both still max out our 401Ks ($37k for two) and reinvest dividends, but outside of that, we barely save anything more due to aforementioned big mortgage, very high taxes and increased cost of l...
by cantos
Tue Jul 17, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Day 2018
Replies: 88
Views: 10785

Re: Amazon Prime Day 2018

The deals are totally random, I think. I saved $5 yesterday on a USB wall charger that I needed and had been on my wishlist for a few months. This morning Amazon sent me a notice that another item on my wishlist, some noise-cancelling headphones that had been on my list for almost a year, were $75 ...
by cantos
Mon Jul 16, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4889

Re: Have you ever purchased a pricy musical instrument?

40k grand piano. Well worth it. 4k acoustic guitar. Well worth it. I have played guitar for over 10 years and am pretty happy with my $400 Seagull - what about it makes yours particularly worth it to you, out of curiosity? I could never picture myself spending that much on a guitar. Just so happens...
by cantos
Mon Jul 16, 2018 9:59 am
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4889

Re: Have you ever purchased a pricy musical instrument?

40k grand piano. Well worth it. 4k acoustic guitar. Well worth it. In fact, among the best buys I've ever made. I don't have a collection of guitars/pianos, just the above. It's a world of difference between the nice stuff and the stuff below. I don't know much about violins, but I knew some hardcor...
by cantos
Thu Jul 12, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 5168

Re: Which advanced tech is necessary in cars?

Insurance rates is an actuarial calculation based on costs. It has nothing to do with the severity of an injury or loss of life. In fact, if you lose your life, that is even better for insurance rates. So, no, looking at insurance rates is not a great way at all to assess how good a safety feature ...
by cantos
Wed Jul 11, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 5168

Re: Which advanced tech is necessary in cars?

One way to look at this is how do these extra safety features affect insurance rates? The discounts for most of these safety features is slim to none. While these features do reduce the frequency of accidents, they can paradoxically drive up the severity. https://www.freep.com/story/money/personal-...
by cantos
Tue Jul 03, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: How Not to be a Slave to my Wood Deck?
Replies: 37
Views: 3208

Re: How Not to be a Slave to my Wood Deck?

Limoncello402 wrote:
Tue Jul 03, 2018 5:52 am
Will this be the pattern of my life?
Yes.

:wink:
by cantos
Wed Jun 27, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 43161

Re: What is/ was your career and would you recommend it now?

Bogleheads: My career: 1. Laborer on a construction project (my first job and the hardest). 2. Paratrooper in World War II 3. LIfe Insurance Salesman (disliked the most). 4. Commercial laundry manager 5. IRS Revenue Officer 6. SBA Chief of Financial Division 7. Miami-Dade Housing Director 8. Charte...
by cantos
Tue Jun 26, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 8101

Re: Family dynamics/in laws/am I being petty?

stoptothink wrote:
Tue Jun 26, 2018 9:57 am
My MIL is fantastic with our kids and my children are flourishing, it is night and day from daycare...
Dude. If I had childcare that was fantastic I'd be over the moon and would pay an arm and a leg.
by cantos
Tue Jun 26, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5884

Re: car for long-distance driving

Everyone has a car opinion right? Me included. Agree with above posters on bigger & heavier for a highway car. Lincoln Town Car, Toyota Avalon, Camry, fit the bill. I have a Ford Fusion that does well too. I'd also recommend a V6 - most engines are very efficient on the highway and you won't get muc...
by cantos
Tue Jun 26, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: I've been swindled!
Replies: 21
Views: 5641

Re: I've been swindled!

Look up the meaning of the words "judgment proof".

Then consider the axiom "don't throw good money after bad".
by cantos
Tue Jun 19, 2018 10:30 pm
Forum: Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4973

Re: Shorting Amazon

Surely I'm not the only one that refuses to use Amazon unless absolutely necessary because of the way they treat their employees, though. The CEO has $100 billion but the warehouse workers (reportedly) pee in bottles? I can't fault people for saving money, but I'll stick with paying an extra dollar...
by cantos
Sun Jun 17, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1567

Re: Long Weekend in November - NOLA, Austin, Other

LOVE the quote about Times Square. That is a perfect analogy for things I often hear from people that experienced a tiny subsection of a great place. Where do you stay when you go? Unless there's a real unique location, we generally pick a Marriott. Higher end but not too expensive, know what you'r...
by cantos
Thu Jun 14, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: Long Weekend in November - NOLA, Austin, Other
Replies: 26
Views: 1567

Re: Long Weekend in November - NOLA, Austin, Other

NOLA is great. Those who hate it because they hated the french quarter are, sadly, just tourists who didn't bother to get to know NOLA. I've also found that those that don't like NOLA tend to go alone. It's like going to NYC and thinking it sucked because you walked down to Times Square and all you ...