Search found 145 matches

by cantos
Tue Nov 21, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 1780

Re: Recommend a daily driver

Situation: Going off to grad school so I will need something that is reliable and comfortable for 3-4 hr drives and stop & go traffic. My current car is a 2004 BMW M3 so I will obviously be downgrading in the fun department. Budget is around 20k and under. I would prefer something with decent resal...
by cantos
Tue Nov 21, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 1780

Re: Recommend a daily driver

for 3-4 hour stop and go trips yet cheap and reliable ..... perhaps the antithesis of the M3? A Prius. :shock: I have to say it. Cue up the Top Gear episode where an M3 followed a Prius around the track.....and beat it's MPG handily. The top gear episode is misleading as they have the Prius driven ...
by cantos
Mon Nov 20, 2017 12:18 am
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 2458

Re: Are expensive tires worth it?

I don't gamble on this one. Michelin Defenders for most of the year, and Michelin X-Ice 3 for the winters. Is my life/health and those in my car worth the extra $500 or whatever bucks? Of course. Statistically speaking compared with many activities, driving is dangerous. Do what you can to make it s...
by cantos
Fri Nov 10, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 8997

Re: Thouhgts about wearing a "uniform"/same thing everyday?

All these posts and I'm surprised no one has mentioned why this has become a thing. It's because of a phenomenon called decision fatigue (google it). The theory is you start the day with a tank of fuel to make decisions. Every decision you make uses up some fuel. By the end of the day/after having m...
by cantos
Fri Nov 10, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 39
Views: 1868

Re: Bicycle wheels - what's a reasonable budget

I totally get the last statement. I know guys and gals at my club who will beat me all day riding a beater. Some have been riding for 30 or 40years, and some are younger and stronger, and some are just plain better than me. I get it. All I care is what I can do to improve my experience given my uni...
by cantos
Thu Nov 09, 2017 11:46 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 39
Views: 1868

Re: Bicycle wheels - what's a reasonable budget

Slower though on the hills compared to rest of group for reasons I still haven't figured out fully. May be it is the stock wheels, may be it is gearing and technique, or just not enough experience in the group. I biked about 10k miles/yr back in the day. Slow on the hills is easy to explain. It's a...
by cantos
Sat Nov 04, 2017 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: what personal finance/investing newsletters do you subscribe to?
Replies: 4
Views: 633

what personal finance/investing newsletters do you subscribe to?

Hi all,

I just found out Jonathan Clements writes the Humble Dollar blog and you can subscribe to it.Would love to add a few other really good ones. Any tips?

thanks!
by cantos
Fri Nov 03, 2017 11:36 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 28
Views: 4329

Re: BOGLEHEADS 2017 VIDEOS

Wow. Just saw the panel. So amazing. I didn't know what I didn't know until I saw this. So full of goodness.
by cantos
Tue Oct 31, 2017 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Wade Pfau AMA on Reddit
Replies: 3
Views: 667

Re: Wade Pfau AMA on Reddit

This was an awesome AMA and a great link, thank you. I now will seriously consider annuities in my retirement plan.
by cantos
Sat Oct 28, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 1997

Re: Which minivan?

Have an Odyssey. Perfect for any family with 2 kids or more for obvious reasons. Don't need AWD. Snow tires a must. I live in snow country, and I have had the stupidity to drive too fast in an AWD - luckily never paid the price despite my stupidity. Now I actually like FWD - it limits my stupidity. ...
by cantos
Sat Oct 28, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12270

Re: Request for Promotion letter to Senior Management

I'm amused the OP has chimed in saying he's going to go ahead with letter despite all the wisdom not to. That says it all right there. Unwilling to learn is probably a good reason he's being held back year after year. Also - the answer, in this case, is NOT to change companies. That will not change ...
by cantos
Thu Oct 26, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: How Often to Check Financial Email Account?
Replies: 11
Views: 1296

Re: How Often to Check Financial Email Account?

If you get an email from one of your financial institutions, you should be looking at it promptly. Sometimes you can tell from the subject line that you don't need to open it (e.g., Subject header: "<Your> Credit Union has a great new rate on home equity loans!"). Be wary here. Fraudsters will ofte...
by cantos
Thu Oct 26, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Cloud Computing?
Replies: 6
Views: 476

Re: Cloud Computing?

You probably already use the cloud. The cloud just means stuff that's stored on a computer other than your own that you can access thru the web. So gmail, yahoo, facebook, etc - if you use any of that, the data you have w those are on the cloud.
by cantos
Wed Oct 25, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: metal roof: standing seam vs interlocking panels
Replies: 15
Views: 1376

Re: metal roof: standing seam vs interlocking panels

Thanks all, looks like it's almost unanimous. Standing seam it is.
by cantos
Wed Oct 25, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: metal roof: standing seam vs interlocking panels
Replies: 15
Views: 1376

metal roof: standing seam vs interlocking panels

Hello boglehomeowners, We're installing a metal roof and can't decide to do a standing seam or interlocking panels. Unfortunately, a double standing seam is out of the question, as it will run me more than $30k up here in Canada. So option 1 is what looks like a snap/interlocking standing seam as se...
by cantos
Wed Oct 18, 2017 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is a doctor's practice one of the safest and most profitable businesses?
Replies: 58
Views: 3722

Re: Is a doctor's practice one of the safest and most profitable businesses?

We can exclude from "safest" any business that relies on one income producer and makes $0 when the income producer is not around (sickness, death, vacation, etc.).
by cantos
Sun Oct 15, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7262

Re: What are you driving? And would you buy your current ride again?

What's the purpose of this thread? So far, it simply proves that people like vehicles that they have paid tens of thousands of dollars for, from a Civic to a Camry to a Wrangler to a BMW to a Hummer. Confirmation bias probably at work. Though I'll grant that most vehicles are quite nice these days.
by cantos
Wed Oct 11, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15110

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM= preach living in poverty to everyone, while accumulating millions in a "side-job" by boggling. Disengenuous if you ask me. This will come to roost when he ages and can no longer live happily in poverty. Bogleheads=Living below your means and investing to maintain a standard of living until old ...
by cantos
Fri Oct 06, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 4139

Re: How do you value your time?

I value my free time at $0/hour. Everything else is just silly, except maybe minimum wage. For example, if my free time was valued, for some reason, at a figure higher than I could get a local teenager to mow my lawn, then logic would dictate that I should apparently pay someone to mow my lawn. Tha...
by cantos
Mon Oct 02, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4173

Re: I bought a car without thinking too much about value

I don't think anyone has ever said the words "I bought a Prius. What a horrible value that was."

In fact, probably the opposite has been said many times.
by cantos
Mon Oct 02, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2141

Re: On the video games path - how to set it up with younger kids

OP: Tons of studies out there that show gaming is bad for kids that young. The rest of the posts here are anecdotal - one, two, or ten kids does not make a rule. I highly suggest you don't get a gaming system until they are older. (I should mention, I have been gaming since I was 10 years old on a C...
by cantos
Sat Sep 23, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 12160

Re: Lifestyle Creep

First good job: leased a BMW. Ate out for lunch and dinner regularly. Hired a regular cleaner. First big raise: Bought $1,000 suits. $500 shoes. Didn't think twice about getting gadgets/etc. Got kids: Moved from small 2BR home to 4BR home in good school district neighbourhood. Job kept paying well: ...
by cantos
Sat Sep 23, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 25017

Re: I won the Lottery. Need sound advice.

Pay off your mortgage now or invest and pay off later; it's irrelevant as the outcomes are similar. The ABSOLUTE MOST IMPORTANT thing is to cut your spending. Make a budget and stick to it, and never, ever let yourself get into debt for any reason. If you're not saving at least $1 a month from your ...
by cantos
Sat Sep 23, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: How an asset with a NEGATIVE return can INCREASE your portfolio's return
Replies: 31
Views: 3272

Re: How an asset with a NEGATIVE return can INCREASE your portfolio's return

You mean to tell me that if you buy something before it goes up in value, and then sell if before it goes down in value, and then turn around and buy something else before it goes up in value, and then turn around and sell it before it goes down in value.....that you can make money? Hahaha brillian...
by cantos
Thu Sep 14, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19276

Re: Is it really Worth it to brown bag your lunch at work?

And for your comparison of an engineer getting promoted but actually is bad at what he does but its because he knew the right people. Well Ill tell you this in my field if you don't know your stuff you wont last long at least in my company. I hired a candidate with a PHD through a network of friend...
by cantos
Thu Sep 14, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19276

Re: Is it really Worth it to brown bag your lunch at work?

So if I told you my wife and I are in the top 3.5% for household income despite brown bagging daily and missing the lunch networking thing...? I think we're doing pretty well. I'm not picking on you, honest. I guess I've heard "networking" too many times in my career and heard it touted as the end ...
by cantos
Thu Sep 14, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 19276

Re: Is it really Worth it to brown bag your lunch at work?

I'm surprised by the number of brown baggers here. I eat out virtually every meal for lunch. 99% of the time vegan and healthy food - don't be fooled and think this is salads. Plenty of delicious curries, soups, etc. Think chick pea curries, lentil soups and stews, falafels, pad thais. Absolutely de...
by cantos
Sat Sep 09, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Luxury car: perception vs reality
Replies: 118
Views: 6900

Re: Luxury car: perception vs reality

The author of Millionaire Next Door went on to write Stop Acting Rich. In that book he says something like 85% of luxury car owners are NOT millionaires. I remember two stats that jumped out at me. 100% of Aston Martins are NOT owned by millionaires, and 99% of Ferraris are NOT owned by millionaires...
by cantos
Wed Sep 06, 2017 9:18 pm
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 52
Views: 6128

Re: The Emerging Markets "lost decade" is over

The Chinese route to success, of becoming the cheap offshoring point for world manufacturing, is therefore, in his analysis, a route that is closing for developing countries in the future. Except that this is no longer the Chinese route to success. There is a huge drive toward alternative fuels in ...
by cantos
Sun Sep 03, 2017 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really need a trust?
Replies: 55
Views: 6160

Re: Do I really need a trust?

I can't get into it specifically on this forum without identifying myself, but I have seen a lot of DIY wills go the crapper. Families end up fighting each other over ambiguous clauses - I have seen on several occasions well over $1 million of the estate get paid to the lawyers because of poorly dra...
by cantos
Wed Aug 30, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3222

Re: Evaluating new job offer

How close are you to achieving your financial goals? Pretty close, max out retirement, college, etc. save a lot. What's important to you? Hard to answer, but I think I'm wasting my time at my current job, those golden handcuffs holding me back Did you seek out this job or did you get headhunted? I ...
by cantos
Wed Aug 30, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10561

Re: Companies/Brands You Love?

There are specific products I love, but when a company gets successful it starts to branch out, out source, etc. And there's no gaurantee of quality across product lines and price points. So not much different than threads about favourite producs... Vitamix, for example, makes a good blender. Lodge ...
by cantos
Tue Aug 29, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluating new job offer
Replies: 40
Views: 3222

Re: Evaluating new job offer

Still need more info. How close are you to achieving your financial goals? What's important to you? Did you seek out this job or did you get headhunted? Have you negotiated the highest possible salary? What's your age? Do you have kids/family to support?
by cantos
Tue Aug 29, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: ICE, hybrid, Phev, electric for short trips
Replies: 36
Views: 1965

Re: ICE, hybrid, Phev, electric for short trips

I have a used PHEV, Ford Fusion Energi, has 30 miles on electric only before the gas kicks in. Great car.

That said, for the little bit of driving you do, it really doesn't make any significant difference, costs wise, what car you get. All a matter of what you want here - as any car will do.
by cantos
Mon Aug 28, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 22555

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

By largely staying focused and not upping our lifestyle much we've managed to improve our net worth by approximately $100k since last Oct. Bravo! And yes - getting to know people at the firm/building relationships is a huge key to happiness. The other ones, by the way, are having high autonomy and ...
by cantos
Sun Aug 27, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 22555

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Reviving this almost 1-yr old thread now, which is excellent. Thought I'd add my 2 cents - also looks like OP is still thinking about such issues based on another recent post. The peer pressure is real. I worked at a firm where profits were extremely high. The lawyers' parking lot was filled with AL...
by cantos
Fri Aug 25, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Really struggling: advice on accepting this new job offer?
Replies: 31
Views: 3272

Re: Really struggling: advice on accepting this new job offer?

I have to ask - you are in sales and seem to be successful. Why haven't you been able to negotiate a higher salary for the new job offer? Just checking to make sure this avenue has been thoroughly pursued. If you're going to say no to the new job offer, you owe it to yourself to push as hard as you ...
by cantos
Fri Aug 25, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3652

Re: Trip to Banff / Lake Louise / other places

SQRT wrote:
Fri Aug 25, 2017 11:05 am
SQRT wrote:
Fri Aug 25, 2017 4:03 am
cantos wrote:
Thu Aug 24, 2017 12:01 am


Communitea is a MUST eat place.
Never heard of it and I live in Canmore? New place?
Ok checked it out. Informal cafe. Maybe good for lunch or morning coffee. Couple of streets off the "main drag".
Incredible lunch place. Great for families. Food is top notch.
by cantos
Thu Aug 24, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Priorities - Biglaw junior associate
Replies: 45
Views: 4715

Re: Priorities - Biglaw junior associate

The biggest priority should be paying down the debt -- make extra payments, use most of your bonus money for it, etc. As others have posted, if something happens with the big law gig, you will tremendously regret that you didn't pay it off while you could. After that is done, then you can start thi...
by cantos
Thu Aug 24, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: Trip to Banff / Lake Louise / other places
Replies: 34
Views: 3652

Re: Trip to Banff / Lake Louise / other places

Glad I got in before OP hit Canmore. Two things you will never regret in life:

Communitea is a MUST eat place.

Ha Ling Peak. Hike it (for adults and teens+).
by cantos
Wed Aug 09, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 18423

Re: Life at crossroads. What would you do ?

Been to a dozen "new tech" interviews and been turned down everywhere. To me, this is the real problem. 12 interviews and no job? You need to improve your interview skills. If you lacked the proper background, you wouldn't get the interviews in the first place. Since you are getting them, your prob...
by cantos
Wed Aug 09, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Harry Bosch: the Amazon Series vs the novels
Replies: 47
Views: 2806

Re: Harry Bosch:the Amazon Series vs the novels

Never read the book, but I love the show. One of the best on TV right now. Love the LA noir feel.
by cantos
Fri Aug 04, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 13120

Re: Google wifi is awesome

Another thanks to the OP. Set up google wifi to my google onhub, and now I have blazing fast WIFI everywhere in the house. Outside too.
by cantos
Tue Aug 01, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Philosophy major and future law student
Replies: 93
Views: 5531

Re: Philosophy major and future law student

There's actually only one decision to make here. Should this young man go ahead and study philosophy? The answer is yes. He has a logical mind and may do well. Best of all, it's what he wants to do _right now_. Everything after that - plans to do well in philosophy, to go into law, etc. - is way too...
by cantos
Tue Jul 18, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13230

Re: Books not to read.

The book is poorly written. The people profiled in the book are uninspiring. The theme is not only anti-consumption but also anti-intellectual. Accumulation of wealth is presented as an all-encompassing goal. An interesting but rather unkind interpretation. To recommend a Ford F-150 and a reasonabl...
by cantos
Tue Jul 18, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13230

Re: Books not to read.

The Millionaire Next Door by Stanley and Danko. Victoria I disagree vehemently. This book changed my life. After I read the book, I changed everything about my expenses/investing philosophy to fall in line with the book, convinced my spouse, and we are now millionaires several times over. It is rea...
by cantos
Mon Jul 10, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - increase in compensation but also much longer commute
Replies: 25
Views: 2124

Re: Job opportunity - increase in compensation but also much longer commute

Ha! I'm biased as I commute 2 hours each way - that's right, 4 hours total - every day. I get paid a fair bit, though, so don't complain (much!). Take your big pay raise and 1 hour commute. Give yourself 1 year to acclimate, then set a self-imposed deadline for when you will either move closer or ge...