Search found 372 matches

by stimulacra
Tue Dec 04, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2336

Re: Looking for a nice travel watch... recommendations?

Seiko, Hamilton, Shinola, Oris are all nice entry to mid range automatics worth checking out.

If going the vintage route I would look at Omega or Tudor, maybe Tag Heuer.

For straps, check out NATO straps as a good travel option.
by stimulacra
Tue Dec 04, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about downsizing car
Replies: 27
Views: 1827

Re: Thinking about downsizing car

Unless you are downgrading to a Honda Fit or Hyuandai Elantra/Civic/Corolla, etc… you might be better off keeping the current car till the warranty ends. Wait till the depreciation curve flattens out a bit more. Right now you are just dealing with gas and insurance in terms of outgoing costs. Have y...
by stimulacra
Sun Dec 02, 2018 9:14 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

My Bogelhead approach for a new Mac is.....drumroll... a 5,1 MacPro (Cheesgrader). Yes, they are older but they still run super fast (I do photo and video editing on them professionally), you can go crazy with hardware and max them out to the point that they almost reach the processing power of the...
by stimulacra
Sun Dec 02, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 52
Views: 3925

Re: Please Recommend a New Car for Me

I would get another VW Golf if you liked it. The updates and model designs are pretty evolutionary between iterations. You probably would not miss a beat. If cross shopping brands: 1) Honda Fit. The nicest sub compact hatch you can buy in its class. 2) Mazda 3 hatchback. There is a new model coming ...
by stimulacra
Sat Dec 01, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

Reading this thread prompts this question: I have a 2010 MacBook. I will replace it soon, probably with a Macbook Air, since the new Airs seem to fit my needs. But - I have vision challenges, and I need to use the Macbook with an external monitor. When I go to the Apple store I see the iMac display...
by stimulacra
Sat Dec 01, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

Old Dell worn out. Just surfing, video/pic archives, streaming youtube/other prgms, but no gaming. Please do not waste your money on a Mac. First, if you're buying a Mac specifically NOT to have to use Windows, then it's well worth it. Subtract observer bias; I'm a Mac user since 1984, and I cannot...
by stimulacra
Sat Dec 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3830

Re: Best new Mac/features for 2000-3000

I would lean towards a mid-level Mac Mini ($1,099) + Magic Keyboard and Mouse ($248) + LG Ultrafine 4k 21" display ($699). You'll have a nice, good looking and modular system there for under $2k. You can save a few hundred bucks on the peripheral side by going with third party keyboard/mouse and a c...
by stimulacra
Wed Nov 28, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: best Mac malware program?
Replies: 13
Views: 1102

Re: best Mac malware program?

20 years of daily Mac ownership and never had a need for one. Safari and Chrome does an ok job of warning me away from malicious or suspicious websites. I'm a moderately informed Mac user. Don't click on any suspicious link and always copy urls to a text file to ascertain the origin. I keep the OS m...
by stimulacra
Tue Nov 27, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2814

Re: Dual Monitor Set up

2nd EDIT: What resolution do you all run with what screen size? I found a 27" Dell for only $119 but the resolution is 1920 x 1080. I'm guessing I would want a higher resolution if I go with something that big If you are a programmer, you'll be spending 4-6 hours (quite possibly more) a day looking...
by stimulacra
Tue Nov 27, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 89
Views: 6856

Re: Does 100% stocks make sense for very high net worth individuals

Seems like from the limited research I've done that's not really the case. There's usually a sharp divide, within families that become wealthy, between the generation that made it, and the generation that wants to manage it. I guess the main issues is the stomach for risk and volatility as one gets ...
by stimulacra
Mon Nov 26, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1986

Re: Upgrade Canon 60D to FF or new iPhone?

What lenses do you guys have? Any Canon EF-S (designed for APS-C sensors) she might already have will not be compatible with a FF camera within the Canon EOS line. I would only upgrade to Canon's FF line if you guys have a decent collection and investment in Canon's EF lenses. Immediately she will ...
by stimulacra
Mon Nov 26, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Upgrade Canon 60D to FF or new iPhone?
Replies: 50
Views: 1986

Re: Upgrade Canon 60D to FF or new iPhone?

What lenses do you guys have? Any Canon EF-S (designed for APS-C sensors) she might already have will not be compatible with a FF camera within the Canon EOS line. I would only upgrade to Canon's FF line if you guys have a decent collection and investment in Canon's EF lenses. Immediately she will n...
by stimulacra
Mon Nov 26, 2018 5:29 pm
Forum: Personal Consumer Issues
Topic: "Docking" Laptops (mac and pc) recommendations
Replies: 3
Views: 471

Re: "Docking" Laptops (mac and pc) recommendations

The MacBook Pros should have you covered on this regard. Below is a nice accessory if you have limited space on your desk. https://hengedocks.com/products/vertical-macbook-pro-2-0?variant=29021611337&gclid=EAIaIQobChMI67vhg43z3gIVBDZpCh1l6AJsEAQYASABEgIaKfD_BwE On the PC side of things, business lap...
by stimulacra
Mon Nov 26, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Truck Now?
Replies: 11
Views: 855

Re: Should I Buy a Truck Now?

Is this a business that you own? If so I might look into the “Section 179” deduction that could be used for business vehicles. If it's for work, I would lean towards having your employer foot the usage bill or figure out a way to reimburse your dad for the additional miles and wear-and-tear that his...
by stimulacra
Mon Nov 26, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15016

Re: Black Friday 2018

Lenova ThinkPad 480 or Carbon X1 (5th gen) for either 40% or 50% off. https://lnv.gy/2qOu2uy Not sure which one quite yet. The Carbon X1 is for the prior generation so the stated discount is not reflective of the street value. The current gen goes for a bit less than full retail. Ended up getting a...
by stimulacra
Sun Nov 25, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: YTD 15% capital loss. What is next?
Replies: 27
Views: 2505

Re: YTD 15% capital loss. What is next?

You might be on the wrong forum.

How long have you been lurking? What made you decide to post today? What appeals to you about the bogleheads philosophy?
by stimulacra
Sun Nov 25, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: A testimony of not giving up... Got the promotion!
Replies: 10
Views: 1786

Re: A testimony of not giving up... Got the promotion!

Congrats on the new role and the nice pay bump.

Just curious… what was the tie-breaker this time around that you were able to discern?
by stimulacra
Sun Nov 25, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7023

Re: What is your allocation to U.S. and International?

It was 85/15 (Emerging Market), that's now around 12%. Rebalance will be on 12/31.
by stimulacra
Sun Nov 25, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2583

Re: Destroying my lease mileage

Northeast… I might look at the 3rd gen Subaru Outback.
by stimulacra
Sun Nov 25, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Destroying my lease mileage
Replies: 26
Views: 2583

Re: Destroying my lease mileage

Is it possible to buy a 10 year old beater car to put the miles on?
by stimulacra
Sat Nov 24, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: How to invest for the long haul with black swans on the horizon
Replies: 14
Views: 1538

Re: How to invest for the long haul with black swans on the horizon

Not a black swan. They can only be identified in hindsight.
by stimulacra
Thu Nov 22, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: What to do when you have Less than 100K ? say just 50k
Replies: 36
Views: 4021

Re: What to do when you have Less than 100K ? say just 50k

My investing strategy has not differed too much when I had a much smaller portfolio and I don't see it changing significantly if I had a portfolio 10X or 20X of what I have currently. I guess my cash and liquid assets would decline as a percentage of my overall net worth. The feeling that you are be...
by stimulacra
Mon Nov 19, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: How to share sensitive text & image between computer and phone?
Replies: 21
Views: 1528

Re: How to share sensitive text & image between computer and phone?

I would probably use Google Drive or DropBox and call it a day. If feeling extra paranoid, a more techy option would be to use an FTP client on your phone and laptop and upload files to a secret online directory. Steganography; hiding a message within a photo or video, is another option. Depending o...
by stimulacra
Mon Nov 19, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating offer when you gave a number early in the interview
Replies: 23
Views: 2614

Re: Negotiating offer when you gave a number early in the interview

Was the number disclosed via email or during in person conversation? If it's the latter you might have some leeway in walking it back. If it's a make-or-break position for the company, they're looking for the right fit. Are you interviewing elsewhere? If so, it might be worthwhile to subtly hint at ...
by stimulacra
Mon Nov 19, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Millennial behind - but still have time to [catch up]
Replies: 20
Views: 2218

Re: Millennial behind - but still have time to ketchup

I'm on the tail end of the Gen X cohort and remember reading Douglas Coupland's novel that coined the term back in middle school. That book was notable in that it gave me a profound sense of diminished expectations regarding my future adult life; McJobs, inability to buy a home, high likelihood of d...
by stimulacra
Mon Nov 19, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Millennial behind - but still have time to [catch up]
Replies: 20
Views: 2218

Re: Millennial behind - but still have time to ketchup

I read another article this morning - they all tend to say the same thing 'when comparing millennial ~25-35 to the baby boomers, they are doing much worse (income, assets) after adjusting for inflation. The articles point to a number of reasons the author things this is the case (great recession, c...
by stimulacra
Mon Nov 19, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: parents buying home for sibling
Replies: 44
Views: 5713

Re: parents buying home for sibling

I’m curious if this rather wholesome “stay out of it” advice will extend to the inevitable situation where this sibling find themselves and their parents flat broke and homeless? After all, scraping together a down payment is required for a reason... it serves to prove some modicum of financial dis...
by stimulacra
Mon Nov 19, 2018 9:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard’s Logo Design
Replies: 4
Views: 921

Re: Vanguard’s Logo Design

Maroon is one of the prominent colors of University of Pennsylvania (Jack Bogle's alma mater) I would wager it's either that or something nautical themed. Also because most other financial institutions choose some shade of blue would be reason enough to go in the other direction. That would be in li...
by stimulacra
Mon Nov 19, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 224
Views: 17097

Re: Vanguard lowering Admiral level to $3,000?

That's good news :)

I was concerned that some of my slice-and-dice funds would eventually get downgraded to investor shares if this volatility keeps up.
by stimulacra
Mon Nov 19, 2018 12:46 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2756

Re: Laptop security - Mac OS or Windows

I have been using an HP laptop running Win7 since 2010. My general impression is that windows is like driving a Toyota, pretty reliable, but the bootup time is long, and the updates are a pain, and there are security concerns. Switching to a Mac would be like upgrading to a Lexus or a BMW? Can expe...
by stimulacra
Sun Nov 18, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15016

Re: Black Friday 2018

Lenova ThinkPad 480 or Carbon X1 (5th gen) for either 40% or 50% off.

https://lnv.gy/2qOu2uy

Not sure which one quite yet. The Carbon X1 is for the prior generation so the stated discount is not reflective of the street value. The current gen goes for a bit less than full retail.
by stimulacra
Sun Nov 18, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2756

Re: Laptop security - Mac OS or Windows

For $1,200 the new MacBook Air strikes me as a good value for Apple users. I don't view it as a good value given the 128 GB storage of the base model. I'd have to go with the 256 GB SSD option and buy some dongles so we're now talking about $1450 for what I've read is a somewhat underpowered machin...
by stimulacra
Sat Nov 17, 2018 11:55 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3697

Re: Men's crew neck t-shirts

nicad2000 wrote:
Sat Nov 17, 2018 11:19 pm
Brooks Brothers are my favorite.
Huge fan of Brooks Brothers in general but I suspect their supima cotton T-shirts (at $49) are a bit out of step for workday undershirts.

https://www.brooksbrothers.com/Supima®- ... lt,pd.html
by stimulacra
Sat Nov 17, 2018 11:48 pm
Forum: Personal Consumer Issues
Topic: New Crossover Confusion.....
Replies: 26
Views: 2167

Re: New Crossover Confusion.....

Get the new RAV4 if you want the new styling and novelty and can roll the dice on reliability. I like the current revised CX-5. The current gen Honda CRV looks good as well. The 1.5 engines have been having some reported issues (big thread here about it) but the base engine in the LX is a carryover ...
by stimulacra
Sat Nov 17, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2756

Re: Laptop security - Mac OS or Windows

For $1,200 the new MacBook Air strikes me as a good value for Apple users. The T2 chip adds an additional layer of security (encryption, fingerprint data, and it turns off the mic when the lid is closed) that is kept separate from the primary Intel processor (considering the revelation the past year...
by stimulacra
Sat Nov 17, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19715

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Not quite sure if I follow, you say you've lost (according to your math) about 6.6 months of your hard work in terms of dollars in your bond allocation (BIV) since you've started your portfolio and you want to sell your equities at a loss to buy more? If I were in your position I would consider dir...
by stimulacra
Sat Nov 17, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: parents buying home for sibling
Replies: 44
Views: 5713

Re: parents buying home for sibling

I'd stay out of it. You live in another state. Your sibling does not, and for better or worse, is more involved in your parents' life. There's probably not a single reason why they're all moving into the same house. Could be co-dependency, could simply be convenience, or that your sibling is providi...
by stimulacra
Thu Nov 15, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Did millennials really get the short straw?
Replies: 16
Views: 2180

Re: Did millennials really get the short straw?

I don't think so. One thing most people simply do not take into account regarding American Baby Boomers, they were the largest generational beneficiaries in modern history. Post World War II, the United States had a largely undamaged industrial economy that was able to pivot from wartime goods and r...
by stimulacra
Wed Nov 14, 2018 5:39 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7207

Re: Are you all staying the course?

Staying the course. Keeping an eye on discretionary expenses and building up my EF since I feel a heightened risk of layoffs within my specific sector this quarter.

You never know.
by stimulacra
Wed Nov 14, 2018 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Boggleheads, Thoughts on my stocks?
Replies: 12
Views: 789

Re: Brand New to Boggleheads, Thoughts on my stocks?

I'm not sure if small lots will really move the needle much for you. I would just sell all individual tickers and by shares of SPY or a Target date fund until you have $10k-20k to then reallocate into equities and bonds. At this point it's really about getting into the habit of saving and investing ...
by stimulacra
Wed Nov 14, 2018 1:01 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Vs. 2019 Rav 4
Replies: 21
Views: 2241

Re: 2019 Subaru Forester Vs. 2019 Rav 4

Seems like the 2019 Forester is an incremental evolution of a winning formula; great greenhouse visibility, sensible design and layout for a crossover, etc…  I don't really know anything about the upcoming RAV4 other than the styling is really going for a baby-4runner look. Stylistically the namepla...
by stimulacra
Tue Nov 13, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19715

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Not quite sure if I follow, you say you've lost (according to your math) about 6.6 months of your hard work in terms of dollars in your bond allocation (BIV) since you've started your portfolio and you want to sell your equities at a loss to buy more? If I were in your position I would consider dire...
by stimulacra
Mon Nov 12, 2018 12:24 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8222

Re: What's everyone currently in?

Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in? I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to. Same as the last few years: Index fun...
by stimulacra
Sun Nov 11, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: Help! yet aother PPO vs HDHP plan
Replies: 12
Views: 1119

Re: Help! yet aother PPO vs HDHP plan

I feel like an HDHP plan (paired with an HSA) is of most value to low consumers of healthcare or very high consumers of healthcare. Families that are moderate consumers of healthcare it's a bit of a toss-up between the two options. For me, I feel the HDHP/HSA provides the most value, flexibility and...
by stimulacra
Sun Nov 11, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4794

Re: Do you prefer etfs or mutual funds?

I prefer mutual funds. Mostly out of habit… but I find it easier to rebalance and/or buy fractional shares.

I only buy ETFs when no other alternatives exist or there is a dramatic difference in expense ratios.
by stimulacra
Sun Nov 11, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4902

Re: 2019 Subaru Outback 2.5 vs 3.6

I test drove the 2017 version of both. The 3.6 is definitely way more fun to drive but the fuel economy ratings were a bit mediocre for the class. The 2.5 is ok, I'm not into CVTs in general but the fuel economy was pretty competitive. I almost wish Subaru could find a way to spit the difference. If...
by stimulacra
Sun Nov 11, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1825

Re: iMac + iPad Pro

3) I might be wrong but it appears that the iPad Pro still loads and displays only the mobile versions of websites. This is a machine that claims to have desktop hardware and processing power but still limits itself to the kiddie version of the web pool. They should offer a version of Safari that i...
by stimulacra
Sun Nov 11, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should we drop our manager, for 4-fund portfolio?
Replies: 66
Views: 6220

Re: Should we drop our manager, for 4-fund portfolio?

I probably would. The only value I would see in a wealth manager is their ability to help me stay the course during periods of extreme market declines or volatility. How did you fare emotionally during 2008-2009? 2001? How long have you been with your current manager? 60/40 with a 4-fund portfolio s...
by stimulacra
Sun Nov 11, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 20
Views: 2007

Re: Best city car

Mazda 3 hatchback, Honda Civic, Corolla Hatchback, VW Golf. Lots of good options here. Just got back from a 9 day trip in Europe. Compact hatchbacks are effectively family cars over there. If you want to go smaller, Honda Fit or Toyota Yaris are also nice. A little noisy on the highway but great aro...
by stimulacra
Fri Nov 09, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 130
Views: 6167

Re: Point and shoot camera

I feel like the majority of the answers here were written in 2008 rather than 2018. How so? With the exception of mirrorless and smartphones, and the addition of 4k to most advanced camera systems, there hasn't been much technological headway in regards to the other categories, especially small-sen...