Search found 668 matches

by stimulacra
Sun May 24, 2020 12:32 am
Forum: Personal Finance (Not Investing)
Topic: Worried about sibling financial future
Replies: 31
Views: 3876

Re: Worried about sibling financial future

Keep in touch. Maybe monthly call or weekly text to get the channel of communication flowing again. Create opportunities to spend time together and have meaningful conversations. Finances and retirement shouldn't even be on the agenda of topics for the first few times you do this. It'll eventually s...
by stimulacra
Thu May 21, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2140

Re: Cheap Chromebook vs Laptop PC quality/options for child

OP.

Which era MacBook did you repurpose for CloudReady? I have access to a bunch of 2015 era MacBook Pros destined for the recycling center that I might request to be donated for a more socially responsible purpose.
by stimulacra
Mon May 18, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2140

Re: Cheap Chromebook vs Laptop PC quality/options for child

I get the impression that most people trashing chromebooks haven't used a nice one. And they're comparing a $200 chromebook to a $2000 laptop. It's true, I haven't. I haven't made the investment in time or energy but am willing to consider them for the next time around. Having a cloud-based laptop ...
by stimulacra
Sun May 17, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2140

Re: Cheap Chromebook vs Laptop PC quality/options for child

I'll be a bit contrarian and will suggest getting a robust business-oriented laptop for your kids. Lenovo Thinkpad and Dell Lattitude are two solid product lines here. 1) They tend to be rugged and solidly built. 2) Plenty of modern and legacy ports 3) Can usually find a decent sale for them but Cos...
by stimulacra
Tue May 12, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Salary ranges, grades, and layoffs
Replies: 11
Views: 2028

Salary ranges, grades, and layoffs

Can someone help break down clearly the process and math that HR and manager's go through when they decide a reduction in workforce is necessary? 1) I know performance scores factors into the first wave of cuts. 2) I know that people who've maxed out their salary band are considered vulnerable. 3) S...
by stimulacra
Mon May 11, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: Should I purchase my end-of-lease Audi A4?
Replies: 58
Views: 3400

Re: Should I purchase my end-of-lease Audi A4?

Great time to walk away. How much would an Uber ride cost for your area? Or the occasional Turo or weekend rental? With less demand for commuter-mileage and less likely wear-and-tear on vehicles in the near future, I would suggest that now is a great time to try out a fun cheap weekend car as your p...
by stimulacra
Tue May 05, 2020 9:36 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11144

Re: All my friends are outperforming index funds

I've outperformed index funds consistently if I only keep track of my winners…

It seems exhausting and waste of time, energy and head space to keep tabs on your friends' portfolio performance. I would let it go.
by stimulacra
Fri May 01, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3278

Re: How to I invest in the self-driving car industry?

Suppliers and commodities? Manufacturers will need to outsource much of the technology that goes into their self-driving cars; LIDAR, radar, sonar, AI/machine learning, odometry, etc… Rather than constantly reinventing the wheel, a common vendor (similar to Robert Bosch GmbH) will probably emerge as...
by stimulacra
Thu Apr 30, 2020 5:18 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5387

Re: Why doesn't Porsche have better resale value?

jello_nailer wrote:
Thu Apr 30, 2020 5:11 pm
My Cayenne is exactly that - my tow vehicle to tow my 911 to the track. I will eventually be towing with a Land Cruiser or a Tundra.
Which gen LC are you thinking about getting?
by stimulacra
Thu Apr 30, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: Why doesn't Porsche have better resale value?
Replies: 50
Views: 5387

Re: Why doesn't Porsche have better resale value?

I think within segments there's a direct correlation between reliability, repair costs (labor and parts) and resale value. If a car costs significantly more to repair and needs to be repaired more often than an equivalent model from another brand its resale value will be dinged. The delta in resale ...
by stimulacra
Wed Apr 22, 2020 11:55 am
Forum: Personal Consumer Issues
Topic: Best BH soap for C19 & least mess at sink
Replies: 27
Views: 1938

Re: Best BH soap for C19 & least mess at sink

Any soap works. Lot of great videos about how literally any soap used for 20 seconds will destroy viral particles by tearing it apart on the molecular level. Issues for me is that I'm washing my hands 20 times a day at least so dry hands, contact dermatitis, and eczema is a problem for me with const...
by stimulacra
Wed Apr 22, 2020 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Advice on buying a weekend car [UPDATE]
Replies: 90
Views: 4354

Re: Advice on buying a weekend car

Since you are already leasing I would pay cash for your weekend car. Everything else seems fine, you're in way better financial shape than I was at your age.
by stimulacra
Tue Apr 21, 2020 9:12 pm
Forum: Investing - Theory, News & General
Topic: whos' just about had it w/ SCV ?
Replies: 263
Views: 16394

Re: whos' just about had it w/ SCV ?

SCV has gone from 8% to 6% of my asset allocation since February. I haven't thought about it too much past that. I'll probably rebalance back into it in June to 8-10% again.
by stimulacra
Mon Apr 20, 2020 12:55 am
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6080

Re: How to negotiate severance if laid off?

Don't sign the release form till you get what you want… Context is important, in normal times, you might have a lot of leverage, the implicit threat of lawsuit being the biggest one. If you are of a demographic group that can claim discrimination or bias, that usually helps. In the current climate, ...
by stimulacra
Sun Apr 19, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrade Computer Before Law School?
Replies: 42
Views: 1865

Re: Upgrade Computer Before Law School?

You can get a new Macbook Air for $899 with your educational discount. https://www.apple.com/shop/buy-mac/macbook-air Also a lot of great options on the refurbished side of things. https://www.apple.com/shop/refurbished/mac My standard advice for Macbook shoppers looking to buy something that will ...
by stimulacra
Sun Apr 19, 2020 12:45 am
Forum: Personal Investments
Topic: How to Implement Treasuries in a Portfolio
Replies: 11
Views: 716

Re: How to Implement Treasuries in a Portfolio

First 20% of bonds in long-term Treasuries
viewtopic.php?t=287627
by stimulacra
Sat Apr 18, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4085

Re: Computers - Solid State Drive vs. Hard Disk Drive

Everything about SSDs is better than HDD. Except price.

My primary job involves a lot of video editing and I'm handling terabytes of data weekly. Migrating to an SSD workflow makes tasks go 3-5x times faster and makes my life much easier.
by stimulacra
Sat Apr 18, 2020 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrade Computer Before Law School?
Replies: 42
Views: 1865

Re: Upgrade Computer Before Law School?

You can get a new Macbook Air for $899 with your educational discount. https://www.apple.com/shop/buy-mac/macbook-air Also a lot of great options on the refurbished side of things. https://www.apple.com/shop/refurbished/mac My standard advice for Macbook shoppers looking to buy something that will t...
by stimulacra
Mon Apr 13, 2020 11:20 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4164

Re: Flying in September, think it will be safe?

Also where you sit is pretty important. Window seat in the first row or last row of each bulkhead section, that way you're only in proximity of 3 people.

You don't want the middle seat and the center of the section. That's 8 people surrounding you, breathing on you on a full flight.
by stimulacra
Sat Apr 11, 2020 11:26 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

I've gotten in the habit of going to the grocery store 3-4 times a week now and keep a running list of things to keep an eye out for. Also part of some group chats and Facebook messages helping people locate hard to source items. Keeps me busy. Please minimize your trips out as much as possible. Go...
by stimulacra
Sat Apr 11, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55519

Re: How to get Toilet Paper ? seriously.

Best bet is to go first thing in the morning (they restock overnight). From my experience stores pretty much have everything except toilet paper, hand sanitizer, rubbing alcohol and disinfectant wipes. Plan on hitting 2-3 stores to get everything on your list. I didn't leave the house till 1 pm toda...
by stimulacra
Sat Apr 11, 2020 6:23 pm
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 133
Views: 9954

Re: What single individual stock would you buy?

Apple or Microsoft.
by stimulacra
Thu Apr 09, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth asking car insurer to decrease premium during pandemic?
Replies: 32
Views: 1577

Re: Is it worth asking car insurer to decrease premium during pandemic?

I sent an email to my agent letting them know I was only driving 2 days a week till July and got $80 pro-rated till July.

Took all of 3 minutes.
by stimulacra
Tue Apr 07, 2020 12:41 pm
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 268
Views: 16329

Re: What percentage of your paycheck do you invest?

10% with 6% match from employer. Every two weeks. So 16% total.

In addition to that I try to max out Roth IRA when I can but it's more sporadic.
by stimulacra
Tue Apr 07, 2020 12:09 pm
Forum: Personal Investments
Topic: How often do you add money to stock market?
Replies: 48
Views: 3352

Re: How often do you add money to stock market?

16% of my paycheck gets invested every two weeks. The sooner and easier you can make it to save for retirement, the better off you are. Slow and steady. For IRA or Roth, I try to target quarterly or semi-annually. I tried to do monthly but wasn't able to pull it off consistently. Hopefully, 2021 wil...
by stimulacra
Sat Apr 04, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Barbell Strategy in Regards to Duo-career Couples
Replies: 16
Views: 1533

Barbell Strategy in Regards to Duo-career Couples

One thing I've noticed in the last couple of weeks: couples where both partners are in the same industry and sector are hit with a double whammy when both are laid off or both face reduction in hours and/or income. It's made me think about and appreciate career diversification within couples and hou...
by stimulacra
Fri Apr 03, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Should I withdraw my kids from summer camp?
Replies: 43
Views: 2796

Re: Should I withdraw my kids from summer camp?

I'm not enrolling my kids in summer camp this summer. Too many variables and I am making a calculated bet that none of the camps will be sold out. I can enroll at the last minute with no penalties.
by stimulacra
Wed Apr 01, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Voluntary Furlough: Pros and Cons?
Replies: 13
Views: 2101

Re: Voluntary Furlough: Pros and Cons?

Got more details that came in. My department has the option to opt into a voluntary 20% reduction in hours and pay for 10 weeks. If I opt in, I am expected to work 4 days during the week. There's a mandatory day off where I'm not able to read emails or take phone calls. I was told that participating...
by stimulacra
Mon Mar 30, 2020 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Voluntary Furlough: Pros and Cons?
Replies: 13
Views: 2101

Voluntary Furlough: Pros and Cons?

Employer is expected to announce voluntary furloughs. It would be in line with what our competitors are doing but not as drastic. Looking at 20-25% reduction in hours. So either one day off a week, or one week off a month. I looked at my budget and can afford a temporary reduction in hours/pay. My q...
by stimulacra
Tue Mar 24, 2020 11:38 am
Forum: Personal Investments
Topic: Has anyone hit pause on their 401k or monthly IRA contributions?
Replies: 32
Views: 1648

Re: Has anyone hit pause on their 401k or monthly IRA contributions?

Thanks everyone for the feedback.

I have 3 months expenses as my emergency fund. Looking to bolster it to 6 months.

Decided to keep my contributions as is but change the inflows from 50/35/15 to 80/20. Next rebalance will be triggered in 05/11/2020, last one was on 02/11/2020.
by stimulacra
Tue Mar 24, 2020 10:24 am
Forum: Personal Investments
Topic: Has anyone hit pause on their 401k or monthly IRA contributions?
Replies: 32
Views: 1648

Has anyone hit pause on their 401k or monthly IRA contributions?

The sector I am in is looking at 30% reduction in workforce and capital expenditures for the remainder of 2020. It feels like a grim game of Russian roulette. Would it be prudent to hit pause on 401k contributions (currently 6%) to shore up cash? I'll be missing out on the employer match and taking ...
by stimulacra
Mon Mar 23, 2020 4:13 pm
Forum: Personal Investments
Topic: 100 percent stock investors: any of you adding bonds now?
Replies: 51
Views: 3392

Re: 100 percent stock investors: any of you adding bonds now?

The time to add bonds was 2-3 weeks ago.

I was at 30% bonds. It's gone up to 35% now.

In May or June I might take it down to 20% and pivot back to equities.
by stimulacra
Sun Mar 22, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Upside down car: advice [car loan]
Replies: 57
Views: 2918

Re: Upside down car: advice

1) Dump the car and take the $15k hit and get a Civic or Corolla.
2) Keep the car but also get a beater car to put miles on.

In hindsight he should have leased or gotten something else and kept the loan to under 4 years.
by stimulacra
Thu Mar 19, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: Bond Funds don't work in a crisis
Replies: 179
Views: 12727

Re: Bond Funds don't work in a crisis

I disagree. My 3 bond funds (VBTLX, VICSX, VIPSX) are doing exactly what I would hope they would do.

They're letting me sleep at night and avoid making panic moves.

It has never occurred to me to sell off any equities during all of this, I'm actually directing new inflows to rebalance.
by stimulacra
Wed Mar 18, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9378

Re: Thinking I should go car shopping amidst the panic

We're on day three of this. Two weeks is a blip.

Wait 2 months to see some real deals. Despair and fiscal hopelessness hasn't set in yet.
by stimulacra
Sat Mar 14, 2020 7:01 pm
Forum: Personal Investments
Topic: Still a fan of small value?
Replies: 97
Views: 4446

Re: Still a fan of small value?

Yes. Bought more of it this past week to get my allocations somewhat close to normal. I was previously 70/25/5 but am probably closer to 62/32/6 today. I might do a hard rebalance if stocks drop another 10-15% but am totally cool to stay the course. My main priority now is to stay gainfully employed.
by stimulacra
Sun Jan 05, 2020 11:13 am
Forum: Non-US Investing
Topic: Is 25% Gold too much?
Replies: 46
Views: 2940

Re: Is 25% Gold too much?

1% physical gold is not enough of a hedge for your “gold bonds”. I would consider 12.5% physical gold and 12.5% gold bonds if you really want to explore the concept. 25% gold is perfectly in line with Harry Browne's Permanent Portfolio. There are a lot of variations of the concept on this forum and ...
by stimulacra
Sun Dec 08, 2019 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: How much car can i afford
Replies: 128
Views: 8221

Re: How much car can i afford

$8-10k cash based on the info you provided. I would probably keep your current car and spend that cash on something fun like a Miata to get it out of your system. Lot of fun cars to be had for under $10k if you don't mind doing some basic research on models, maintenance and issues. People less well ...
by stimulacra
Sun Dec 08, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Recommend Laptop
Replies: 79
Views: 5663

Re: Recommend Laptop

What's your budget? My two go-to brands at the moment are Apple and Lenova/ThinkPad series. If Apple, look at the laptops in your budget. You'll be essentially making a compromise between size/weight and performance. If ThinkPad, I would look at the T490 or T590 series. X1 Carbon or X1 Carbon Extrem...
by stimulacra
Sun Dec 01, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: New Macbook Pro - dvd drive
Replies: 31
Views: 1977

Re: New Macbook Pro - dvd drive

Apple USB SuperDrive: $79.

More expensive than other options but it looks great and works flawlessly.

You can find them pretty cheap on eBay.
by stimulacra
Tue Nov 26, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: DSLRs: canon 5d IV vs ?
Replies: 88
Views: 4334

Re: DSLRs: canon 5d IV vs ?

I would get a 6D mk II and invest the difference in better glass (50 1.2L, 35 1.4L II, 80 1.2L II). If she shoots portraits, those lenses will show the most improvement, not a higher-tech body. Both will give her the full benefit of full frame sensors (the 60D is cropping her images significantly at...
by stimulacra
Mon Nov 04, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Wife's car hit in a parking lot - how to deal with various issues?
Replies: 67
Views: 6084

Re: Wife's car hit in a parking lot - how to deal with various issues?

Get three quotes, ask them to pay for the shop you prefer but be prepared to accept the lowest estimate and move on. Give them a week after giving the estimates to get the cash or check. If they don't pay up, give them a courtesy call and text before you file an insurance claim. I've pocketed the ca...
by stimulacra
Mon Oct 28, 2019 8:40 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 79
Views: 5809

Re: New Computer with or without SSD?

SSD. There are no moving parts, no spinning platters rotating at 7200 or 9600 RPMs. Also, you should never keep a single critical copy of data on your primary volume. For less than $100 you can create a very reliable and redundant backup and archiving system. For financial files get two USB-3 or USB...
by stimulacra
Sun Oct 20, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Updgrade car for new safety features?
Replies: 77
Views: 5797

Re: Updgrade car for new safety features?

You have 2 newer generations of Mazda 3's you can consider… 2012 - 2018 Mazda 3 2019 - Present They both have blindspot monitoring and rear view cameras (depending on trim level) and the latest gen has automatic braking on most trims. Also the current iteration of the CX-5 is very competitive for it...
by stimulacra
Sat Oct 19, 2019 12:40 am
Forum: Personal Investments
Topic: Got tricked into a VUL, $40K already in - Need advice with my options
Replies: 22
Views: 3287

Re: Got tricked into a VUL, $40K already in - Need advice with my options

Wow. That's crazy. If you want to go the publicizing route and don't mind having your voice be on the radio you can submit your story to “This is Uncomfortable” podcast via Marketplace. https://www.marketplace.org/shows/this-is-uncomfortable-reema-khrais/ It's a pretty good podcast about money and m...
by stimulacra
Mon Oct 14, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Why are Mazda CX-5’s sales so much less than other brands?
Replies: 69
Views: 8734

Re: Why are Mazda CX-5’s sales so much less than other brands?

Mazda is a much smaller brand but consider this; The CX-5 sales alone account for more than all other models that Mazda sells combined.


Mazda Reports August Sales Results 2019
http://bit.ly/2MTP0D1
by stimulacra
Mon Oct 14, 2019 12:13 am
Forum: Personal Consumer Issues
Topic: How to prevent shoe creases?
Replies: 18
Views: 2182

Re: How to prevent shoe creases?

How many pairs of shoes are in your rotation? If you're only wearing one dress shoe day after day without a break or a shoe tree to help dry them out, it will dramatically shorten the lifespan of the shoe. I would suggest two pairs of shoes as being a minimum to wear during the work week. You can ro...
by stimulacra
Sun Oct 13, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on clothing?
Replies: 38
Views: 2977

Re: How much do you spend on clothing?

You owe it to an employer to have clean, and professional look. One could easily argue the inverse, that employers should foot the bill for a professional wardrobe. In Japan, company provided uniforms is the social norm. Figuring out the unspoken rules of appropriate work-attire for a specific offi...
by stimulacra
Sun Oct 13, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on clothing?
Replies: 38
Views: 2977

Re: How much do you spend on clothing?

The past few years I've been averaging $2,000 - 3,000 / year for clothes (Work attire and weekend). Mostly a mix of seasonal items and replacing core wardrobe items. What field of work are you in? In my experience as long as you look put together and everything is in good repair, then most items sho...