Search found 235 matches

by stimulacra
Sun Aug 05, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Audi A4 -- Does Anyone Have an Opinion About It?
Replies: 31
Views: 2912

Re: Audi A4 -- Does Anyone Have an Opinion About It?

I drive an Audi A4 Avant (B8 chassis). It's a fun car but you have to stay on top of maintenance and repairs. It's nice enough that people like it and have a favorable opinion of it when they get inside. It's common enough in Houston that it doesn't draw too much attention to itself, so it kind of f...
by stimulacra
Fri Aug 03, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 37
Views: 3773

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

I work for megacorp. All things HR is very opaque to me. The only vague advice I get is to read a book called “Jumping The S-Curve” and try to get designated as “high-potential” on the internal tracking system if I want to move around within the organization. I guess I should invest some time and en...
by stimulacra
Fri Aug 03, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 109
Views: 6528

Re: Minivan Vs SUV Experience

Agreed, what bogles my mind the most is that many luxury marques have more SUV and crossover models than they do sedans, coupes and wagons combined. The micro-segemtation of the various models (i.e. coupe versions of various SUVs that amounts to zero headroom in the backseat and diminished rear carg...
by stimulacra
Fri Aug 03, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 109
Views: 6528

Re: Minivan Vs SUV Experience

I never understood the “luxury” SUV. Or the “luxury” pickup. But they sell and fill some primordial need in us, I guess. The minivan, I get. JT I think perception of status, safety and prestige are what drives luxury SUV sales. Also general observation regarding the non-boglehead demographic; most ...
by stimulacra
Thu Aug 02, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2158

Re: Durable Dress Shoes for Commute

Do people really walk that much in business formal shoes that the sole actually wears through? Are you really that concerned about wearing nice dress shoes on your walk to work? Resoling, regular polishing, shoes trees, overshoes...high end shoes definitely have their benefits, but you are delusion...
by stimulacra
Thu Aug 02, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Received promotion offer at work and trying to negotiate the pay increase portion.
Replies: 37
Views: 3773

Re: Received promotion offer at work and trying to negotiate the pay increase portion.

Quick update: There was a recent reorg that effectively added another management layer (matrix / cross-functional reorganization) to my role. I was mostly neutral about the ramifications, just committed to riding it out but there were a lot of rumblings amongst my peers since we were effectively one...
by stimulacra
Wed Aug 01, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2158

Re: Durable Dress Shoes for Commute

Do people really walk that much in business formal shoes that the sole actually wears through? Are you really that concerned about wearing nice dress shoes on your walk to work? Resoling, regular polishing, shoes trees, overshoes...high end shoes definitely have their benefits, but you are delusion...
by stimulacra
Wed Aug 01, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Durable Dress Shoes for Commute
Replies: 36
Views: 2158

Re: Durable Dress Shoes for Commute

If walking a mile or more each day (in inclement weather) I would consider getting some low key dark or neutral sneakers (New Balance /Allbirds) or wingtip boots or chelsea boots with rubber soles. If any of your older nice shoes need to get re-soled or re-crafted, check out the Dainite or Othello r...
by stimulacra
Wed Aug 01, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11768

Re: Joint Ownership of home with second wife

To clarify, I don't think she has a problem with them inheriting wealth as minors under the supervision of a guardian (e.g. if I die, a life insurance policy would pay out to a trustee, whom would make payments to the legal guardian until the age of 18). I think her problem is with "trust fund unde...
by stimulacra
Tue Jul 31, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 41
Views: 3620

Re: Are millennial botching their asset allocations?

For the most part I stopped subscribing to the belief that there are distinct generational differences between demographic cohorts. In my experience the ratio of aggressive risk-taking investors, risk-averse investors, and people who don't save or invest at all, are roughly the same across all gener...
by stimulacra
Tue Jul 31, 2018 12:35 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3072

Re: Best MacBook Value

Depending on your need, any of the current MacBooks or MacBook Pros offer great value. My only recommendation would be to max out your RAM to the maximum you can afford. 8 GB is ok for today but will probably be inadequate a year or two from now. If there's money left over, try to max out the SSD st...
by stimulacra
Mon Jul 30, 2018 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Ownership of home with second wife
Replies: 184
Views: 11768

Re: Joint Ownership of home with second wife

Seems like it would be in your future wife's best interest to have you sell your current (separate property) and roll or commingle that equity into a new home (communal property). I wouldn't do it. I would be more inclined to turn your old home into a rental. That and some other things you mentioned...
by stimulacra
Sun Jul 22, 2018 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15347

Re: Houston Chapter

Table near front. Wearing light plaid shirt, shorts and flip flops.
by stimulacra
Thu Jul 19, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: I'm about to inherit a single stock with a worth of just over 7 figures....
Replies: 103
Views: 8813

Re: I'm about to inherit a single stock with a worth of just over 7 figures....

Sound's like you are sentimental about your dad's nest-egg… I think to be a good steward of your dad's legacy, and that's what his inheritance is… I would consider diversifying either in a 3-fund portfolio or a conservative life strategy fund (since your previous posts suggest you are retired and ho...
by stimulacra
Thu Jul 19, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5085

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Your collection as a percentage of your net worth, and as a percentage of your gross income seems a bit out of whack to me (and I consider myself a horologist). Also in absolute terms, it's a bit of a liability. If you're keeping them in a safe deposit box, that might be one thing. If they're sittin...
by stimulacra
Thu Jul 19, 2018 7:08 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15347

Re: Houston Chapter

Time and place for Sunday's meetup

July 22nd, 2018, 2:00 PM
West Alabama Icehouse (Montrose area)
1919 W Alabama St, Houston, TX 77098

It's a neighborhood patio bar. There's a popular taco food truck across the street.

Hope to see everyone there.

Inbox if anyone needs a phone number.
by stimulacra
Tue Jul 17, 2018 10:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15347

Re: Houston Chapter

Would it work better if we push it back to this Sunday (July 22nd)?

If so any time in the mid afternoon would work for me.

I was going to reschedule it for the 28th but realized I had a prior commitment.

Let me know.
by stimulacra
Thu Jul 12, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 3088

Re: Trade War: time for Mac Upgrade?

Two resources for eking out additional life out of your old Mac. Low End Mac http://lowendmac.com Otherworld Computing https://www.macsales.com I think with the newer unibody laptops, upgrade paths are pretty limited (RAM is soldered on, no CPU upgrades, etc…) but upgrading to a SSD storage, and arc...
by stimulacra
Thu Jul 12, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 34
Views: 3088

Re: Trade War: time for Mac Upgrade?

Never lived through an actual trade war, I would imagine that in such a scenario, repairing what you have or buying used would be the smarter option. The impact that a trade war would have on supply chains, the parts sourced that goes into many of our products and services, would to me suggest that ...
by stimulacra
Sat Jul 07, 2018 10:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15347

Re: Houston Chapter

Let's pencil in 07/21 for the July meetup around 2-ish?

Hopefully the weather is better.

I'm thinking West Alabama Icehouse unless someone has a better idea.

Anyone following this thread please feel free to inbox me.
by stimulacra
Thu Jul 05, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Career Advice
Replies: 11
Views: 1044

Re: Career Advice

Hmm… grass is always greener I've noticed. One thing to consider, most people dissatisfied with their current job/role, typically they have all of their career eggs in one basket so to speak. They're not active in their profession outside of their day job, they're not networking, they're not burnish...
by stimulacra
Wed Jul 04, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?
Replies: 25
Views: 1554

Re: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?

Might be worth looking at a 2nd or 3rd gen Honda Fit. The Civics have moved up a size class (at least) in the last 27 years. The current Honda Fit occupies that niche in the Honda lineup that the 4th gen Civic did. Out of all of the current sub-compacts out there, I think the Honda Fit is vastly mor...
by stimulacra
Fri Jun 29, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4683

Re: Why would creating an intelligent S&P 475 be so difficult to do?

Not sure if I get the distinction between an intelligent fund and an active fund… ultimately what is the difference between a fund that picks winners and a fund that identifies and omits losers?
by stimulacra
Thu Jun 28, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6371

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

If you look around the automotive blogosphere you can find plenty of articles where reviewers take the 2nd Gen Ridgeline off-road. In the long-term review below they had to replace the shocks after driving it through 52 miles of washboard desert road in Death Valley. 2017 Honda Ridgeline long-term u...
by stimulacra
Wed Jun 27, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10600

Re: Lost out on promotion

Years ago I was passed up for promotion for the same basic reason, i.e., failure to promote myself. I wasn't new, but I was part of two accounting firms that had recently merged, and everyone (except me, apparently) was jockeying for position. I wound up quitting (it was time for many reasons) and ...
by stimulacra
Wed Jun 27, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6371

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

OP, a $501 repair seems to be an awfully low threshold to trigger what would essentially be a $35-40k purchase.
by stimulacra
Wed Jun 27, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6371

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

I would get the Honda Ridgeline based on the info you told me… curious to know how you've been able to haul feed and such to your place currently? If your husband drives a full-size truck now I would either go compact or mid-size to bias it towards your comfort and maneuverability. I live in Texas (...
by stimulacra
Wed Jun 27, 2018 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10600

Re: Lost out on promotion

Two books I recommend checking out: Career Warfare: 10 Rules for Building a Successful Personal Brand on the Business Battlefield How to Win Friends and Influence People by Dale Carnegie Promotions happen for all types of reasons, usually it is not your boss making the final call but his/her boss or...
by stimulacra
Tue Jun 26, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7403

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

Three words when the waiter takes your drink order: “Separate checks please” When the check arrives, offer to pay for your parents. Bring plenty of cash, 20s and just round up. Conflict side-stepped on your end. They might stew on theirs though…  In the big scheme of things covering for a couple of ...
by stimulacra
Fri Jun 15, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5398

Re: A vehicle that "sits up" but can afford CRV

I would look at other Compact Crossovers or CUVs. It's probably the most common category across all mainstream brands. Everyone has offerings that can be looked at apples-to-apples. Cheaper than Honda CRV at similar mileage: 1) Hyundai Tuscon 2) Hyundai Santa Fe 3) Kia Sportage 4) Ford Escape 5) Che...
by stimulacra
Fri Jun 01, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1937
Views: 353076

Re: What are you up YTD? [Year To Date]

YTD for 2018: 2.2%
Allocation: 70% stocks, 25% bonds, 5% gold
by stimulacra
Wed May 30, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: "Reversing" 401k to get match at new job?
Replies: 20
Views: 1588

Re: "Reversing" 401k to get match at new job?

Does the new employer offer a Roth 401k? I might go that route for the remainder of 2018 if they do.
by stimulacra
Tue May 29, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7634

Re: Advice on neighbor not keeping up his property...

He wants to remove his lawn and put in bricks to cover it. The bricks are simply waiting to be installed. You might consider moving to a neighborhood with a good HOA. Sounds like he's settling in and things are going to go from bad to worse. No he is a nice guy. No issues as, I have stated before t...
by stimulacra
Tue May 29, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7634

Re: Advice on neighbor not keeping up his property...

It's a free country. Live and let live.
by stimulacra
Sun May 27, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8846

Re: Help Buying Mens Shoes for Work and Dating

This thread has me checking out the Memorial Day and Fathers Day sales going on.
by stimulacra
Sun May 27, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8846

Re: Help Buying Mens Shoes for Work and Dating

Dont date a woman that cares about your shoes imo I don't think women care about it in general. It's just one of the first-date shorthand flags women are conditioned to form a first impression… along with grooming, hygiene, whether they offer to pick up the tab, how much they tip, etc…  Probably to...
by stimulacra
Sun May 27, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8846

Re: Help Buying Mens Shoes for Work and Dating

I would say as long as they are conservatively styled you will be fine. But MUST be clean and in good repair. Also NEVER wear brown shoes with a black, gray or blue suit or you will lmmediately label yourself as a lower class person. I disagree with this rule of thumb, it's way too limiting and lab...
by stimulacra
Sat May 26, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8846

Re: Help Buying Mens Shoes for Work and Dating

I think three pairs of shoes should serve you well for work and dating. Gonna list them from formal to casual: 1) Work: Allen Edmonds wingtips or cap-toe I find brown to be much more versatile than black but it depends on the color of your wardrobe. Also I find that for a lot of guys, it takes time ...
by stimulacra
Sat May 26, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 190
Views: 22221

Re: High End Wrist Watches (Gone Crazy)

Nice collection… OP based on your piloting background, I'm surprised you favor the Rolex Sub over the Rolex GMT Master. Seems like a natural conversational segue. Regarding the high turnover in your collection… how are you mitigating transaction costs and depreciation? Any negative transactions or v...
by stimulacra
Wed May 23, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Best used SUV, Wagon, Hatch, Pickup under $10k
Replies: 34
Views: 3127

Re: Best used SUV, Wagon, Hatch, Pickup under $10k

Hmm… under $10k…  1) 3rd gen Subaru Outback 2) 1st gen Honda Pilot / Ridgeline 3) Saab 9-3 Wagon 4) Saab 9-2x wagon 5) Subaru Legacy Wagon (3rd gen) 6) Acura TSX Sportwagon (1st or 2nd gen) I guess mileage will be the biggest cost variable with all of these vintages. Good luck. Please report back wh...
by stimulacra
Thu May 17, 2018 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8916

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Ask him for his home address… mostly kidding. Precious metal will always have their appeal. I'm currently 5% allocation for gold myself. I might increase it to 10% if I was feeling particularly bearish about the economy. Main issues is security and relatively high transaction costs. The volatility c...
by stimulacra
Wed May 16, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 8987

Re: Golden Handcuffs

Consider looking into side projects or passion projects. They're self-initiated projects outside of your day-job that lets you explore and develop new skill sets that you might be unable to within the bounds of your current role at work. I pursue at least one of these a year to stay sharp, expand my...
by stimulacra
Mon May 14, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9088

Re: Is there a boglehead muscle car?

Going with the “sleeper car” / millionaire next door angle… I would suggest that the recently discontinued Chevy SS would be the ideal boglehead muscle car.

You have a very nice old-school performance sedan that everyone thinks is a rental Malibu or Impala.
by stimulacra
Mon May 14, 2018 9:44 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 12964

Re: The front page is ugly

Most of this forum looks professional and well maintained. But the front page has some kind of text-based forum preview from the early 90s. This should really be changed. I know the current front page may be useful to some users, but shouldn't it be placed elsewhere? This website should put its bes...
by stimulacra
Mon May 14, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds really needed - why not 100% stocks?
Replies: 71
Views: 5943

Re: Are bonds really needed - why not 100% stocks?

Grt2bOutdoors wrote:
Mon May 14, 2018 9:01 am
Get your hands on copies of the WSJ, NY Times from September 2008 to March 2010. Read them from cover to cover, then let us know why bonds are important to have in a portfolio.
I wish more folks were 100% stocks. I'll stay 70/25/5 however.
by stimulacra
Sat May 12, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Buy new or keep 2009 CRV?
Replies: 12
Views: 913

Re: Buy new or keep 2009 CRV?

I'm a little confused… is your current car a 2009 CRV or Highlander? Also you stated you want to use your current car as a trade in for a mid-sized SUV but all of the cars you list (CRV, Jeep Wrangler, Forrester, Rav4) are all compact crossovers… need more context or clarification here. Lastly, soun...
by stimulacra
Sat May 12, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5826

Re: Advice on building a timeless mens wardrobe?

Polo’s. You can wear them to work, or at a bbq God, no. The collars curl quickly, and the knit clings to every extra ounce. They scream "I shop at Sears, and can't be bothered to find something flattering and snazzy." If OP is on the dating scene, do not slide into the laziness of Polos. IMO, of co...
by stimulacra
Sat May 12, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on building a timeless mens wardrobe?
Replies: 68
Views: 5826

Re: Advice on building a timeless mens wardrobe?

I want to get your advice on building a time less quality men's wardrobe with as few articles of clothing (I'm a bit of a minimalist) as possible for both business and going out after work. It'd be good to just buy some essentials that I can interchange during the week. I'm willing to spend more fo...
by stimulacra
Sat May 12, 2018 1:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 76
Views: 15347

Re: Houston Chapter

Thanks for coming! Enjoyed the conversation and various perspectives today. Just finished bookmarking some articles and blog posts to read later. Next Chapter Meetup will be in July (either 07/07 or 07/21). I am thinking a local ice house in the early afternoon since Houston summer will be in full s...