Search found 308 matches

by stimulacra
Thu Oct 04, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3936

Re: Black suit with dark brown shoes?

I saw an SEC webinar the other day where one of the lead presenters did the black suit and brown shoes combo. It didn't look horrible, but I noticed it about 2 seconds after he stood up to talk. The suit looked pretty high quality and fit perfectly - not some frumpy government employee that crawled...
by stimulacra
Thu Oct 04, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2157

Re: Carry On Luggage Recommendations

Travelpro is probably the best combination of value and features if you guys plan on traveling a lot. Samsonite are decent for the price and I would recommend the brand to infrequent to moderate travellers. More so if you catch a sale. Check out the store closeouts at Sears for 30% off. The Wirecutt...
by stimulacra
Thu Oct 04, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3936

Re: Black suit with dark brown shoes?

Based on your post, you absolutely need to bring two pairs of shoes. You shouldn't wear black shoes with khakis and a navy jacket, and you shouldn't wear brown shoes with a black suit. Black shoes are very formal and should be paired only with a mid-gray to charcoal to black suit, or a navy suit. M...
by stimulacra
Thu Oct 04, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3936

Re: Black suit with dark brown shoes?

Black tie to me typically means black bow tie and a dinner jacket or tuxedo. I think a black suit falls short, and brown shoes takes it further. How dark are your brown shoes? What type are they? There is still a wide spectrum of formality in terms of shoe types besides color. If brown shoes are all...
by stimulacra
Tue Oct 02, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Should an emergency fund be for all emergencies?
Replies: 9
Views: 996

Re: Should an emergency fund be for all emergencies?

I'm guessing an emergency fund should cover normal calamities… from car repair, unexpected medical bills, to a year of unemployment. It's not reasonable to keep liquid assets for every remote possibility (kidnap and ransom, fleeing a country, outrageous medical expenses, etc). There's no upper limit...
by stimulacra
Sun Sep 30, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Investing my first million
Replies: 46
Views: 7349

Re: Investing my first million

Congrats. The Vanguard allocations look pretty sensible, the Schwab one tests pretty similarly too. It is a conservative enough allocation that you might consider adding the bulk of your windfall to it. https://i.imgur.com/TdAMxkD.png I would consider maxing out all of your tax-advantaged accounts (...
by stimulacra
Fri Sep 28, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

On the Disney vacation talk, it might not be splitting the costs that turned her off. I try not to always think in the worst possible way. It might be the discussion of money that turned her off. She's trying to plan a vacation with you and you turn it into a discussion about money. If I was making...
by stimulacra
Fri Sep 28, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

I guess two other questions come up: 1) What prompted the move? Is she expected to pay a portion of the rent when her lease expires? 2) Why eat out 3-4 times a week? Learn to make some easy hearty dishes that can feed everyone for cheap. Spaghetti and meat sauce, make your own pizza night, sliders, ...
by stimulacra
Fri Sep 28, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

Yeah but it sounds like a bit of a default decision versus intentional thinking.
by stimulacra
Fri Sep 28, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

Major red flag IMHO. She has a higher income than you and expects you to foot 100% of shared expenses? Do you get the child tax credit for your daughter? Are you paying alimony or child support? There's a bunch of hidden factors that can really diminish a divorced or single father's take home pay th...
by stimulacra
Mon Sep 24, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Honda Accord EXL 1.5T Lease deal
Replies: 2
Views: 474

Re: Honda Accord EXL 1.5T Lease deal

Any money down?

How many miles does she actually drive a year?
by stimulacra
Mon Sep 24, 2018 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7638

Re: Best way to get $100k cash

If there was, I think I would have heard of it, and more importantly, everyone would be doing it.
by stimulacra
Sun Sep 23, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8687

Re: Minimalist Lifestyle

The things you own end up owning you. From what I can tell, this just isn't true. It sounds really pithy and smart but when you think about it the things that own you are your experiences, not the things you own. See the great depression generation for an example of how experiences not material goo...
by stimulacra
Sun Sep 23, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8687

Re: Minimalist Lifestyle

I guess I could if I needed to. For most of human history we were nomadic, only carrying the things we needed from place to place. A couple of suit case worth would have been on the generous side. The hard thing for me to give up would be my book collection. I do enjoy the architect Le Corbusier's q...
by stimulacra
Sat Sep 22, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2088

Re: Another job interview ‘skip the tie’ question

I was just challenging the statement that Steve Jobs “never” wore business wear. He did until he didn't.
by stimulacra
Sat Sep 22, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2088

Re: Another job interview ‘skip the tie’ question

Remember Steve Jobs never wore a dress shirt or a jacket or any color shirt but black. He never dressed up. But he was an amazing thought leader. Your husband should dress to show who he is and how he wants to lead..... https://www.forbes.com/sites/jacquelynsmith/2012/10/05/steve-jobs-always-dresse...
by stimulacra
Sat Sep 22, 2018 8:45 am
Forum: Personal Consumer Issues
Topic: Another job interview ‘skip the tie’ question
Replies: 29
Views: 2088

Re: Another job interview ‘skip the tie’ question

How old is your husband? How old is his newest suit? Age discrimination and perception of relevance (or lack of it) is probably a lot more acute in Seattle. Below is an interesting article posted in another thread about sneakers at work. https://www.vox.com/the-goods/2018/9/14/17792298/silicon-valle...
by stimulacra
Sat Sep 22, 2018 1:00 am
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 83
Views: 9016

Re: What to wear for job interview - skip the tie?

If in doubt wear a tie. However it's pretty easy to gauge the culture and dress code of any company or organization you are interviewing for nowadays and figure out what you need to wear. Normally I would try to target just one notch higher what your direct or functional manager would wear day to da...
by stimulacra
Fri Sep 21, 2018 1:14 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

If you drive that few miles a year I might consider getting a higher mileage version and/or forgo the extended warranty. The majority of expensive repairs usually correlates with mileage and/or wear and tear drive train components. I wouldn't bother with the extended warranty either, but I think ti...
by stimulacra
Wed Sep 19, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: New job offer
Replies: 14
Views: 1913

Re: New job offer

Seems like a no brainer to me especially with commuter rail being in the mix. It's a 40% pay increase. It'll take years and several promotions to get an equivalent with your current employer. I would take the job, lock in the higher salary into your job history and look for a similar paying job in 2...
by stimulacra
Wed Sep 19, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

328i is one of the most basic BMWs available in the U.S. This is not a bad thing. It's a global model and the F30 is a global platform. Any mechanic that specializes in German cars, or any BMW service technician will know this chassis inside and out and can do basic maintenance items in their sleep...
by stimulacra
Wed Sep 19, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

328i is one of the most basic BMWs available in the U.S. This is not a bad thing. It's a global model and the F30 is a global platform. Any mechanic that specializes in German cars, or any BMW service technician will know this chassis inside and out and can do basic maintenance items in their sleep....
by stimulacra
Wed Sep 19, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Why are there so few long-term investors?
Replies: 18
Views: 2917

Re: Why are there so few long-term investors?

Probably don't just hear about them. Low turnover, low news.
by stimulacra
Wed Sep 19, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

I don't do anything myself, except very minor things. Wiper blades, checking coolant/oil and the likes. The most complicated job I've ever done was replacing the motor for the moonroof. $70 on ebay and maybe 20 mins to screw/unscrew. Youtube has plenty of videos explaining how to do small jobs. How...
by stimulacra
Tue Sep 18, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

A good friend of mine owns an M3. He was freelancing full-time when its warranty expired. He took it upon himself to figure out how to do all regular maintenance and repairs on his vehicle. About half of the maintenance costs is labor and that allowed him to re-forecast his projected cost of ownersh...
by stimulacra
Tue Sep 18, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3564

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Walk away. I don't think that car suits your income or lifestyle. Just my 2¢. I would even wager that leasing a new BMW leaves you in a better financial spot. If you drive that few miles a year I might consider getting a higher mileage version and/or forgo the extended warranty. The majority of expe...
by stimulacra
Mon Sep 17, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: a low grade in a 9th-grade test
Replies: 44
Views: 3470

Re: a low grade in a 9th-grade test

Wow, a single D on a test has you considering moving child to a less competitive school… 

What life lesson are you modeling for your child if you do that?

In 9th grade, kids are not missing a single beat from their parents.
by stimulacra
Mon Sep 17, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3007

Re: are iPad Minis obsolete?

I wouldn't buy the iPad Mini 4 now. They are anticipating updates soon (last update was 545 days ago). https://buyersguide.macrumors.com/#iPad_Mini I would not say that they are obsolete… you can typically get 5 years of useful life from each newly released iPad before which the hardware will no lon...
by stimulacra
Mon Sep 17, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio’s latest fearmongering round
Replies: 53
Views: 5181

Re: Ray Dalio’s latest fearmongering round

I watched the actual interview being quoted (link below) and thought it was pretty balanced and Ray's actionable advice was very “boglehead“-ish as can be: don't actively manage/behave counter to your intuition. He ends his spiel saying that “Balance is key”. https://youtu.be/Nm0m62reFuY Everything ...
by stimulacra
Fri Sep 14, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: Pension alternatives
Replies: 41
Views: 3335

Re: Pension alternatives

Have you considered creating your own personal pension (via defined contribution plans and/or SWR-type portfolios)? BTW… most people don't have a traditional pension (i.e. Defined benefit retirement plans) but most people do have access to some type of defined contribution plans. Do you have 401k's...
by stimulacra
Fri Sep 14, 2018 9:29 am
Forum: Personal Consumer Issues
Topic: Can only take (1) DSLR lens..which one?
Replies: 27
Views: 748

Re: Can only take (1) DSLR lens..which one?

The 1.2 L isn't really small or lightweight. It's a nice hunk of glass.

Image
by stimulacra
Fri Sep 14, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Can only take (1) DSLR lens..which one?
Replies: 27
Views: 748

Re: Can only take (1) DSLR lens..which one?

I'd take the 50 1.2. It's what I have and is usually the only lens I use for my Canon.

I do bring a second camera usually which is the FujiFilm X100S, love the framing of the 35 mm equivalent lens. Perfect for travel.
by stimulacra
Thu Sep 13, 2018 12:04 am
Forum: Investing - Theory, News & General
Topic: Pension alternatives
Replies: 41
Views: 3335

Re: Pension alternatives

Have you considered creating your own personal pension (via defined contribution plans and/or SWR-type portfolios)? BTW… most people don't have a traditional pension (i.e. Defined benefit retirement plans) but most people do have access to some type of defined contribution plans. Do you have 401k's ...
by stimulacra
Wed Sep 12, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: 401k "advice" to my associates
Replies: 51
Views: 2205

Re: 401k "advice" to my associates

Frontline's Retirement Gamble would be a good movie to watch for a catered lunch or pizza. I've personally convinced a half-dozen people to participate in their employers 401k and a few others to switch over the Vanguard (John Bogle came off as the only honest advisor of all those interviewed). Othe...
by stimulacra
Wed Sep 12, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2982

Re: Do you use social media to enhance your travel experience?

I guess it's ever evolving for me. 10 years ago I would upload hundreds of photos each trip (from a digital camera), treating Facebook as an online slideshow. As of late I now only post a few highlight pics from my iPhone to Instagram and Facebook. Usually in real-time, sometimes after the fact. Whe...
by stimulacra
Tue Sep 11, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 46
Views: 4084

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

I would buy or lease a standard issue E-class with the minimum amount of options and call it a day. You essentially have a European taxi with some nice luxo features. This isn't a bad thing. (...) Nicely equipped Accords, Camrys, Passats, or base trim E-classes, 5-series, and A6's are able to fly u...
by stimulacra
Tue Sep 11, 2018 6:54 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4011

Re: How often do you guys get alignment done on your cars?

I think once in my adult life. Saab 92x aero, car was pulling and the service guy suggested an alignment. Loved the car but it ate tires for lunch, I was lucky if I got 20k miles out of a set. Drove it for 160k miles before it got totaled.
by stimulacra
Mon Sep 10, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: $25K car
Replies: 39
Views: 3683

Re: $25K car

One thing to note with these new advanced driver assistance systems… previously minor repairs on things like windshields and bumpers are a lot more expensive. Car and Driver did a 10k update on the 2018 Accord and noted $1k to replace a cracked windshield (required OEM glass and additional calibrati...
by stimulacra
Mon Sep 10, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on buying a pre-owned Mercedes Benz cash?
Replies: 46
Views: 4084

Re: Thoughts on buying a pre-owned Mercedes Benz cash?

I would buy or lease a standard issue E-class with the minimum amount of options and call it a day. You essentially have a European taxi with some nice luxo features. This isn't a bad thing. I would not buy a used AMG to use as a sales car, especially if you are putting 15k miles on it annually. Any...
by stimulacra
Mon Sep 10, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

What you can get away with, what is generally accepted and what is preferred are 3 different things. In general, do you do the bare minimum at work? That's the reason I made the post in the first place. The intent behind was that if otherwise you do a good job, are cleanly dressed and professional,...
by stimulacra
Sun Sep 09, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3344
Views: 1004627

Re: What Book Are You Currently Reading? Part VI

The Dark Forest by Cixin Lui, Shinran's Kyogyoshinsho, and Principles by Ray Dalio.
by stimulacra
Sun Sep 09, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

You can get comfortable, business casual style sneakers for your feet that aren't athletic shoes. Just an example:https://www.johnstonmurphy.com/men-shoes-sneakers "McGuffy Lace up" Frankly once you break in some nice leather loafers with leather soles they are as comfortable as anything else. I re...
by stimulacra
Sun Sep 09, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

It's possible but you really have to know what you are doing, and no, contemporary running shoes will be hard to pull off. Some strategies I've seen work in the past: 1) Wearing more classic street style sneakers or limited edition sneakers with suits or sharp blazer/dark denim combination. 2) Wear...
by stimulacra
Sat Sep 08, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4669

Re: How much do bogleheads save in 529?

Can't speak for all (seems like most bogleheads would prioritize tax-deferred and taxable over 529) but I have about 1 years tuition (state/public university) saved so far for my daughter. I'm on track to having 4 years when she' enters college assuming 7% rate of return. I've read projections and f...
by stimulacra
Sat Sep 08, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

Some visual ideas for the OP. I think the key if you want to go this route is to go low profile on the shape and veer towards monochromatic color schemes and keeping things to a single texture and simple shapes. If your idea is to simply have your gym shoes or running shoes serve double duty. That w...
by stimulacra
Sat Sep 08, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Older Toyota/Honda/Similar owners: How often do you clean your car?
Replies: 36
Views: 2199

Re: Older Toyota/Honda/Similar owners: How often do you clean your car?

When I drove a Honda and later on a VW. I cleaned it every one or two weeks. Thoroughly vacuumed it once a month and would wax and detail it every 3 months. Having a clean ride always felt nice regardless of how humble it might have been. Also the ritual of hand-washing it weekly, I was familiar wit...
by stimulacra
Sat Sep 08, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5745

Re: Subaru: Crosstrek or Outback?

What are you guys driving now? Rear seat legroom will probably be the tiebreaker. Take your kids with you when you car shop, bring your child car seats and boosters with you. Have them sit behind you in the rear seats and even encourage them to kick on the back of your seat. What might be viewed as ...
by stimulacra
Sat Sep 08, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8528

Re: Can Sneakers go with Business Casual?

It's possible but you really have to know what you are doing, and no, contemporary running shoes will be hard to pull off. Some strategies I've seen work in the past: 1) Wearing more classic street style sneakers or limited edition sneakers with suits or sharp blazer/dark denim combination. 2) Weari...
by stimulacra
Sat Sep 08, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: time for new pair of glasses
Replies: 36
Views: 2579

Re: time for new pair of glasses

Warby Parker (you have to get your prescription somewhere else). You get stylish frames for $95 that's about as good as $300-500 designer frames at your local optometrist frames section. You go to Warbyparker.com and pick out whatever 5 frames you like and they send it to you for free to try on, ret...
by stimulacra
Sat Sep 08, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3126

Re: Is it sensible to buy a car from Elon Musk?

I would still consider a Tesla Model S if I was in a position to afford one. The Model 3, I suspect will not age well; it's a really nice utilitarian electric compact sedan at $35k but most being shipped are in the $50k range, and feel like they sacrificed some features to keep some distance from th...