Search found 567 matches

by stimulacra
Mon Apr 08, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: The "dividend preference anomaly"
Replies: 183
Views: 8319

Re: The "dividend preference anomaly"

I'm neutral on the whole dividend debate but one question that always stumps me from the “Dividends don't lie” crowd: “What is the value of a company that never returns capital to their shareholder?” Maybe the bias against dividends is mental accounting to justify speculation. I don't really believe...
by stimulacra
Tue Apr 02, 2019 8:01 pm
Forum: Personal Investments
Topic: 24 year old making first Roth IRA account. What do you guys think of these portfolios?
Replies: 24
Views: 1642

Re: 24 year old making first Roth IRA account. What do you guys think of these portfolios?

Do 1 or 4. You can balance your allocation in your other accounts (401k or Trad IRA).
by stimulacra
Thu Mar 21, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5016

Re: Do you still wear a necktie to work?

I'll occasionally wear a silk knit tie (strong knitted texture with a flat bottomed edge) with a blazer. Less stuffy than a traditional necktie but a step up than business casual. Also pairs well with suits without looking too stuffy. Also if I feel overdressed I can lose the tie but seldom feel the...
by stimulacra
Wed Mar 20, 2019 11:14 pm
Forum: Personal Consumer Issues
Topic: When is it time for a new smartphone?
Replies: 66
Views: 3894

Re: When is it time for a new smartphone?

Get the battery replaced. I would say the time to get a new smart phone is whenever you think you can benefit from one despite the high price. Or replace it with a refurbished model when the price delta to having your current phone repaired is minimal. I'm on an iPhone SE and even back in 2017 it wa...
by stimulacra
Tue Mar 19, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 3748

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

Of the four options OP listed, the North Face option was the most low key and versatile looking.

I would select a hiking shoe that only has one or two colors that's either dark brown or dark neutral.
by stimulacra
Tue Mar 05, 2019 10:25 pm
Forum: Personal Consumer Issues
Topic: Photo/video storage options
Replies: 11
Views: 584

Re: Photo/video storage options

Get plenty of storage for your primary machine, a backup/data recovery system like Time Machine or CrashPlan and a method of archiving all of your photos (A/B external hard drives with one stored off site or A/B optical media with the one set stored offsite. The above assumes that your primary drive...
by stimulacra
Tue Mar 05, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5550

Re: How long have you gone without a raise?

As a CPA, I can see the writing on the wall with Robotic Process Automation, offshoring, and AI. I've actually really struggled with this (perhaps to the point of inaction/"analysis paralysis") along the lines of "what can I do in the face of such a force?". Maybe I'm just not forward-thinking enou...
by stimulacra
Mon Mar 04, 2019 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5550

Re: How long have you gone without a raise?

Have a heart to heart with your direct supervisor. If it's been four years, you're probably ready for a new assignment within your organization. If that role does not currently exist in your organization, pitch it. In three instances in my career I've invented my next role during annual reviews and ...
by stimulacra
Mon Mar 04, 2019 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5550

Re: How long have you gone without a raise?

We don't earn much, but every year like clockwork there is a 2.5 - 3.5% raise. It isn't even really a raise anymore, just a standard salary increase that seems to keep well ahead of inflation since the recession. One could double their salary in 20 years at that pace. However again, we don't earn m...
by stimulacra
Mon Mar 04, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you gone without a raise?
Replies: 75
Views: 5550

Re: How long have you gone without a raise?

I work in O&G, there hasn't been a merit increase since 2014-2015. The only exception to this has been lateral type moves where they give out 4-10% adjustments in the LOA (letter of assignment). It's caused a lot of grief for the rank and file but it seems that savvier folks have grown accustomed to...
by stimulacra
Thu Feb 28, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: specs needed for laptop
Replies: 24
Views: 1167

Re: specs needed for laptop

I would stay within the last two gens. I think we're at 8th gen now? I would avoid 6th gen for sure unless you had a budget constraint. With a budget under $600 you might be relegated to previous gen components. Check out this reddit sub for ThinkPads. https://www.reddit.com/r/thinkpad Lot of love t...
by stimulacra
Thu Feb 28, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: specs needed for laptop
Replies: 24
Views: 1167

Re: specs needed for laptop

Recently bought a ThinkPad 480 for my daughter. She loves it. Thinking about getting one for myself in 2019. Minimum specs for 2019: i5 / i7 processor. 8 GB, 16 GB recommended 1 TB SSD Minimum 2560 x 1440 monitor (your eyes will thank you) Things to avoid in refurb or new: 4 GB RAM HD drives 720 mon...
by stimulacra
Wed Feb 27, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

trustquestioner wrote:
Wed Feb 27, 2019 7:44 pm
OP is Exhibit A for “so you want to be a landlord...”
Lol, I actually chuckled.
by stimulacra
Wed Feb 27, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

The only way you’re going to get anywhere is to show them comparable units that are available for less. Since this is a large corporate complex, I’m guessing they know more than you do about pricing in the local rental market. You already email bombed corporate leadership with Yelp review threats, ...
by stimulacra
Wed Feb 27, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

went ahead and drafted an email cc'ing the entire Houston executive leadership team and highlighted my specific grievances.. I may have missed it in your original post, but what are your "specific grievances," besides the rent increasing? Outside of the rent increase, the other items were garden va...
by stimulacra
Wed Feb 27, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Hmm, just saw my unit listed on Zillow at a price between what we're paying now ($1,520) and what they wanted us to pay ($1,620). https://i.imgur.com/4G813rG.png Note, the building our unit is in is the one furthest from pool, leasing office, and communal grilling areas hence the price discrepancy ...
by stimulacra
Wed Feb 27, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Hmm, just saw my unit listed on Zillow at a price between what we're paying now ($1,520) and what they wanted us to pay ($1,620). https://i.imgur.com/4G813rG.png Note, the building our unit is in is the one furthest from pool, leasing office, and communal grilling areas hence the price discrepancy ...
by stimulacra
Wed Feb 27, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Hmm, just saw my unit listed on Zillow at a price between what we're paying now ($1,520) and what they wanted us to pay ($1,620). https://i.imgur.com/4G813rG.png Note, the building our unit is in is the one furthest from pool, leasing office, and communal grilling areas hence the price discrepancy f...
by stimulacra
Wed Feb 27, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Rental markets are hot across the US. I own rentals near Charlotte NC and I've gone up $150 to $400 across the board on my properties. Because of supply and demand...there may only be X number of available properties and I will get 300+ inquiries from my zillow rental listing. I have employees who ...
by stimulacra
Wed Feb 27, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

If anything, it seems you are simply identifying yourselves as tenants who are likely to cause even more trouble in the future (e.g., when there IS "an issue"). That isn't likely to work well, if vacancies are quickly filled. Also, did they recently replace the roof? "Not replacing with tiles" is s...
by stimulacra
Wed Feb 27, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

If anything, it seems you are simply identifying yourselves as tenants who are likely to cause even more trouble in the future (e.g., when there IS "an issue"). That isn't likely to work well, if vacancies are quickly filled. Also, did they recently replace the roof? "Not replacing with tiles" is s...
by stimulacra
Wed Feb 27, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

So threatening a 3/5 star review over some roof tiles will motivate a rental executive to order a property manager to not raise your rent? Again, I think you have an inflated view of your leverage in this situation. Nudging a 3 into a 4 or 5 would seem like an obvious low hanging fruit to me at lea...
by stimulacra
Wed Feb 27, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Yes we will keep doing that. The current complex is owned by a private conglomerate which has $30 billion AUM. I know we are small potatoes but went ahead and drafted an email cc'ing the entire Houston executive leadership team and highlighted my specific grievances and our current draft outline fo...
by stimulacra
Wed Feb 27, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

Rental markets are hot across the US. I own rentals near Charlotte NC and I've gone up $150 to $400 across the board on my properties. Because of supply and demand...there may only be X number of available properties and I will get 300+ inquiries from my zillow rental listing. I have employees who ...
by stimulacra
Wed Feb 27, 2019 9:20 am
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Re: Lease renewal: Complex raised rent by 6.5%

they're definitely going out of their way to market towards younger millennials and recent college grads Seems like a strange way to do it, by charging more for rent. The place I live now, has a younger demographic, specifically because it is cheap. From what I can tell, most are either dual income...
by stimulacra
Tue Feb 26, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Lease renewal: Complex raised rent by 6.5%
Replies: 62
Views: 3004

Lease renewal: Complex raised rent by 6.5%

Greetings all, Recently received notice of lease renewal and new rates. For 2018 we paid (Partner and I) base rent of $1,520/month with affiliated fees that brought it up to $1,620/month. The base rent is now jumping up $1,620 ($100 increase per month, $1,200 per year). Tried working with the commun...
by stimulacra
Tue Feb 26, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: Slightly different keep/replace car decision
Replies: 22
Views: 1344

Re: Slightly different keep/replace car decision

If you like the car, keep it and fix it up. 3-4 years out is way too remote to factor in if the investment of $6k is worth it for your son. Based on blue book alone, a minor to moderate fender bender will be enough to total the whole vehicle. This can happen between now and 2023 or immediately after...
by stimulacra
Mon Feb 25, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 7966

Re: How often do you and your friends change engine oil?

My manual says every 10k miles so I do that. About every 8 months. I schedule oil changes weeks in advance. Maybe a couple of hundred miles in either direction depending on my work/weekend schedule. No idea about my friends but I suspect most people do it only once or twice a year. When I was in my ...
by stimulacra
Sun Feb 24, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9609

Re: Is Hyundai the value sweet spot?

Regardless of manufacturer, I avoid the first year of a brand new design because they tend to have more reliability problems than year 2 or preferably 3. … Not sure if the data backs up this anecdotally based policy. Yes, Consumer Reports has plenty of data that suggests first year of a new design ...
by stimulacra
Sat Feb 23, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Toyota Sequoia questions
Replies: 89
Views: 4799

Re: Toyota Sequoia questions

Highlander or even the new Toyota Rav4 makes more sense than a Sequoia.

Lexus RX is another good option that keeps you in the Toyota family.
by stimulacra
Fri Feb 22, 2019 1:54 pm
Forum: Investing - Theory, News & General
Topic: When do you notice the compounding at work?
Replies: 118
Views: 22053

Re: When do you notice the compounding at work?

1) When my returns start outpacing new cash inflows.
2) When my net worth increases more than the income I earned in that same period (day, week, year).
by stimulacra
Wed Feb 20, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Why do many overlanders drive old model vehicles?
Replies: 32
Views: 4111

Re: Why do many overlanders drive old model vehicles?

Probably cost, parts availability and don't need to worry about voiding a warranty. A new overland capable SUV is easily $40k plus before mods. Also tried and true platforms like Land Cruisers and Tacomas usually take a model generation to become known as such. I wouldn't want to take a new for 2019...
by stimulacra
Wed Feb 20, 2019 3:44 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 3269

Re: Do you discuss BH philosophy with others?

For whatever it is worth, bogleheads as a forum or message board, has very low traction with the women I've met who are interested in learning more about investing and retirement. They view it as a boy's club of sorts, after checking it out. Reddit seems a bit more accessible to them, Youtube and s...
by stimulacra
Wed Feb 20, 2019 2:12 pm
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 3269

Re: Do you discuss BH philosophy with others?

With people that initiate the discussion regarding investing and/or retirement? Yes. Typically I'll just mention Vanguard 3-fund portfolio, suggest bogleheads as a website and resource, and recommend they watch PBS Frontline “The Retirement Gamble” and then stop talking until they come back for more...
by stimulacra
Wed Feb 20, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: $3k repair estimate for 2010 Audi A4 Avant
Replies: 19
Views: 1029

Re: $3k repair estimate for 2010 Audi A4 Avant

Why 50/50? That seems arbitrary and unfair to me. At the very least, they should reimburse you on a prorated basis based on miles driven.... Is it possible to negotiate this with Audi? Maybe split the repair cost 65/35? Yeah I was hoping for either 100% coverage or 70/30 since I was within a standa...
by stimulacra
Wed Feb 20, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: $3k repair estimate for 2010 Audi A4 Avant
Replies: 19
Views: 1029

Re: $3k repair estimate for 2010 Audi A4 Avant

Greetings everyone, I currently drive a 2010 Audi A4 Avant (station wagon) with 112k miles on it. My car currently burns or consumes 1 quart of oil every 500 miles. Took it to Audi dealership to run a stage 1 test on it and after the low oil light came on, they confirmed that the piston seals are c...
by stimulacra
Wed Feb 20, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: $3k repair estimate for 2010 Audi A4 Avant
Replies: 19
Views: 1029

Re: $3k repair estimate for 2010 Audi A4 Avant

Yes, that makes sense. The other option to consider would be to leave the issue alone. 24 quarts of synthetic at $7/quart comes out to $168 I would spend a year just topping the oil off. The dealer service department said ignoring the issue isn't great for the engine and will eventually lead to othe...
by stimulacra
Wed Feb 20, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: $3k repair estimate for 2010 Audi A4 Avant
Replies: 19
Views: 1029

$3k repair estimate for 2010 Audi A4 Avant

Greetings everyone, I currently drive a 2010 Audi A4 Avant (station wagon) with 112k miles on it. My car currently burns or consumes 1 quart of oil every 500 miles. Took it to Audi dealership to run a stage 1 test on it and after the low oil light came on, they confirmed that the piston seals are cr...
by stimulacra
Mon Feb 18, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7528

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

Anyone else on this thread drive in Houston regularly? The roads are terrible. Come to think of it, maybe a Lexus is the car to drive in Houston to smooth out the bumps and dips. In an Audi you'll feel every one. I live in Houston, same as OP. Roads are bad and getting worse. More and more people a...
by stimulacra
Mon Feb 18, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 4853

Re: Trouble stomaching car

Is there ever a situation where someone can finance a used vehicle. Not put a single penny down on it, ride out low interest payments, and at some point throughout the loan term end up at the intersection of positive and negative equity? In other words, are you always upside down in a car loan? I g...
by stimulacra
Mon Feb 18, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7528

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

OP,

Guy in a similar boat as you experiencing some pangs of remorse two months in. Worth checking out.

Trouble stomaching car
viewtopic.php?f=2&t=273310&newpost=4389108
by stimulacra
Mon Feb 18, 2019 12:03 pm
Forum: Personal Investments
Topic: For a long term investor which VG tips fund?
Replies: 2
Views: 204

Re: For a long term investor which VG tips fund?

I use VIPSX for 1/3 of my bond allocation. No real opinion about it, mostly an academic decision. I could have just used Total Bonds for the whole thing but am concerned about inflation over the next 50 years.
by stimulacra
Sun Feb 17, 2019 11:54 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Ray Dalio's Risk Parity "All-Weather" portfolio?
Replies: 11
Views: 1333

Re: Thoughts on Ray Dalio's Risk Parity "All-Weather" portfolio?

That's the dumb down version from Tony Robbins. It's an interesting lazy portfolio but I suspect is not remotely close to Dalio's actual version which incorporates leverage on the bond portion.
by stimulacra
Sun Feb 17, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 7528

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

Maybe target 10% of your net worth… 

Also, why not get an off-lease version that's 2-3 years older? Same body style, a good bit of warranty left.
by stimulacra
Sun Feb 17, 2019 1:42 am
Forum: Personal Consumer Issues
Topic: Buying a used car..how many owners is too many owners?
Replies: 24
Views: 3476

Re: Buying a used car..how many owners is too many owners?

2+ owners would be too many for me… 

What are the odds that three owners in a row will take meticulous care of an automobile? Dramatically less then a single owner.
by stimulacra
Sat Feb 16, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: Today I learned the 4% rule has been around for hundreds of years.
Replies: 26
Views: 4262

Re: Today I learned the 4% rule has been around for hundreds of years.

Pretty cool. By the same token a version of Harry Brown's permanent portfolio or three-asset allocation has been around for at least 2,500 years: “A person should always divide his money into three: one third in land, one third in commerce, and one third at hand’.” Would be curious to see a curated ...
by stimulacra
Sat Feb 16, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Drone photography as a side hustle
Replies: 16
Views: 1120

Re: Drone photography as a side hustle

I do drone photography at work. You probably need to budget $3-5k for a decent 4k DJI rig and invest in a workstation to edit the footage. The market is a bit saturated in my opinion. Most professionals have 2 drones (one as backup) and you are prone to getting hassled when out and about. Rules and ...
by stimulacra
Fri Feb 15, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: Did you get spooked by the December 2018 fall and gave up on passive?
Replies: 133
Views: 7524

Re: Did you get spooked by the December 2018 fall and gave up on passive?

Nope, sold 1/3 of my bond holdings on 12/18 and bought into U.S. equities. Nothing life-changing but enjoying the nice bump now a couple of months later. Currently directing new cashflows into total bonds and TIPS.
by stimulacra
Tue Feb 12, 2019 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Side hustle on resume?
Replies: 15
Views: 1115

Re: Career Advice: Side hustle on resume?

I would leave it off.

Appropriate side hustle items to include in your resume would be adjacent-entrepreneurship type roles, consulting or thought-leadership gigs, or non-profit board roles or committee roles.
by stimulacra
Mon Feb 11, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7392

Re: How do I keep from becoming irrelevant

I'm a few years ahead of you so am dealing with the same issues in a more roundabout way. Focus on your health and being the best version of you possible. Take nothing for granted. Being complacent in your skillsets is probably the quickest way to irrelevance. Stake out fresh territory. The most exp...