Search found 205 matches

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: 5049

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: 1857
Views: 339930

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: 1542

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: 7419

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: 7419

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: 8260

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: 8260

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: 8260

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: 8260

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: 21585

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: 3016

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: 8145

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: 8758

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: 138
Views: 7805

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: 11575

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: 5623

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: 864

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: 5366

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: 5366

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: 59
Views: 13073

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...
by stimulacra
Thu May 10, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2460

Re: Recommendation For Shirts

We think alike. Just an FYI right now you can get the BB OCBD for $71 each if you buy three and use promo code bbstyle and sign up for or use shoprunner to get the free shipping. Don't get me wrong, I think it's a really nice shirt but at $140 I am not completely sold because I can get a MTM for $8...
by stimulacra
Tue May 08, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2460

Re: Recommendation For Shirts

Sounds like you tend to stick with what works… in that case below are my recommendations from least to most expensive, note they are all oxford cotton button down shirts (OCBD) in solid colors (white, blue, yellow) as a baseline: Lands End Hyde Park Supima: $30-50 / shirt https://www.landsend.com/pr...
by stimulacra
Mon May 07, 2018 2:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 59
Views: 13073

Re: Houston Chapter

Hi everyone: Time and location for the next Houston meetup: Saturday May 12, 2018, 10:30 am Le Peep (Woodway location) 5750 Woodway Dr #162, Houston, TX 77057 It's a quiet non-trendy brunch place that shouldn't be too busy. Let me know if you can make it. Inbox me for contact info to coordinate.
by stimulacra
Fri May 04, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17808

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I would take the car to the race track for a track day and then drive it through a muddy field before dropping it back off at the dealership… they're jerking you around hoping to wear you down.

Don't get emotional about cars. There's a bunch of unsold sedans sitting on dealer lots everywhere.
by stimulacra
Thu May 03, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2506

Re: SUV vs Full Size Car - Taurus or Escape

If it was me personally and those are the only two options… I would get the Taurus and hope to either get a good deal on it or load up on options for your budget. 1) Taurus is the bigger vehicle with a nicer ride. Parts might diminish over time but there's enough of them on the road for viable donor...
by stimulacra
Tue Apr 24, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5675

Re: How long have you been unemployed?

Age 40. Unemployed twice in my career: Age 23, unemployed for 2 months. I was fired from my first full-time job after the six-month “trial” period. Learned later on that this particular employer would fire the majority of new hires right at the six-month mark. I felt like my co-workers kept me a bit...
by stimulacra
Tue Apr 24, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Salary Negotiation gone sour
Replies: 98
Views: 10295

Re: Salary Negotiation gone sour

I suspect lowering your bonus potential to increase your base pay probably signaled to your potential employer/future manager that you were less performance oriented than they would have liked. Employers don't like bumps in base pay since it's permanently locked in for as long as a person is with a ...
by stimulacra
Fri Apr 06, 2018 1:56 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3884

Re: How often do you replace your office shoes?

I rotate through 4 pairs of Allen Edmonds Monday through Thursday. Fridays I wear suede chukkas. I have my Allen Edmonds dress shoes resoled every two years through their recrafting program. Great video of the program below: https://youtu.be/1cT5VJmmgVM I like it because the shoes are as good as new...
by stimulacra
Wed Apr 04, 2018 11:47 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 59
Views: 13073

Re: Houston Chapter

Hi everyone. Turnout for Saturday's meetup was pretty low key (3 people total) but made for some good conversation. Looking to keep the momentum going for May. Tentative date for the next Houston meetup: May 12, 2018 (Saturday) Location TBD Looking into some public library options or tea-house / cof...
by stimulacra
Tue Apr 03, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Saving For Retirement as a Millennial
Replies: 28
Views: 2541

Re: Saving For Retirement as a Millennial

You're doing great. Earlier is always better but one's 20's should be devoted to fun and exploratory growth as well… looks like you'll be fine.
by stimulacra
Sat Mar 31, 2018 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?
Replies: 35
Views: 3415

Re: Car totalled, not-at-fault - use my insurance or theirs? What leverage do I have for negotiating?

Unless you go the personal injury attorney route, there’s not a whole lot of wiggle room in the negotiations. I had some minor back injuries when I got rear ended and my car at the time was totaled. In addition to the value of the car, I got 2x that dollar amount from the settlement after treatment ...
by stimulacra
Fri Mar 30, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6305

Re: New car from dealer may have close to 150 miles - ok?

I wouldn't have any specific concerns with the 150 miles. I would still ask to test drive it and do a thorough inspection before taking delivery.
by stimulacra
Fri Mar 30, 2018 10:34 am
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 9549

Re: What is the endgame for Millennials?

Carpe diem > memento mori > gather ye rosebuds > YOLO

There have always been aphorisms encouraging the young to embrace and enjoy life recklessly while they can.
by stimulacra
Fri Mar 30, 2018 10:22 am
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 9549

Re: What is the endgame for Millennials?

I'm somewhere between Gen-X and Millennials (depending on what cut-off you care to use). I remember reading Douglas Coupland's “Generation X: Tales for an Accelerated Culture” in middle school and feeling vaguely condemned to an economically uncertain future of “McJobs”, zero opportunity for home ow...
by stimulacra
Thu Mar 29, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Which of our cars should we use more, old or new?
Replies: 32
Views: 2460

Re: Which of our cars should we use more, old or new?

To the extent that you have a choice… I would use the older vehicle for around-town errands and acting as a general runabout. All of the minor fender benders I've ever had was while running errands, commuting to work, or meeting up with friends. Door dings, paint scratches and whatever else doesn't ...
by stimulacra
Wed Mar 21, 2018 10:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 59
Views: 13073

Re: Houston Chapter

Hey everyone: Info for the Houston Bogleheads Meetup below: Date and Time March 31st (Saturday) at 10:30 AM. French House 5901 Westheimer Rd, Houston, TX 77057 Link to menu: http://frenchhousecafe.com/menu/ It looks like we have interest from people coming from Katy and Cypress so I figured this are...
by stimulacra
Wed Mar 14, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Noticed a new benefit at work: Healthy Future HRA balance.
Replies: 5
Views: 820

Re: Noticed a new benefit at work: Healthy Future HRA balance.

Thank you everyone for the additional info. For the time being I'm going to consider the HRA a wildcard bonus benefit and keep planning as if it wasn't there. I was thinking about making the investable portion of my HSA 100% equities and have the HRA 6% interest rate function as more of a fixed inco...
by stimulacra
Tue Mar 13, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Noticed a new benefit at work: Healthy Future HRA balance.
Replies: 5
Views: 820

Noticed a new benefit at work: Healthy Future HRA balance.

While logging in to my benefits portal at work today I noticed a new account balance on the account dashboard (via MyCigna). It appears to be a Healthy Future – Health Reimbursement Account (HRA). The current balance is $391.26. It earns an interest rate of 6% per year. It is separate from my HSA wh...
by stimulacra
Mon Mar 12, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3347

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

Also with inflation, it seems waiting decades to reimburse yourself (in future dollars) for medical items occurring in 2018 would be counterproductive. By that logic, if you could pay current expenses out of a Roth you'd always choose to do so. Unless I misunderstand your point. Foregoing tax free ...
by stimulacra
Mon Mar 12, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3347

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

My HSA has enough in cash to pay my max OOP. The rest is invested. For me this is a good compromise. I thought of that approach but IMO it really doesn't make sense. If you believe in investing your HSA, why not save extra cash in your emergency fund rather than in your HSA? It seems to me that the...
by stimulacra
Mon Mar 12, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?
Replies: 39
Views: 3347

Re: Are Health Savings Accounts (HSA) that require a minimum balance before investing worth it?

Yeah I think so. I treat the cash minimum as a mini-EF for out-of-pocket and deductibles (you might be 100% healthy but you don't know what tomorrow holds). My employer kicks in an additional $1k per year to employees who participate in the HSA versus other forms of employer provided coverage. I kee...
by stimulacra
Fri Mar 09, 2018 1:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 59
Views: 13073

Re: Houston Chapter

Looks like we got at least two other people (via inbox) wanting to restart the Houston chapter… I guess to give some clear options (Houston can be a logistical challenge traffic wise) thinking of the two options below for Late March / Early April: 1) Weekend brunch/coffee option: French House (5901 ...
by stimulacra
Fri Mar 09, 2018 1:28 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 20993

Re: Why International again?

I guess home country bias comes to mind; Japan in the 1980's, Russia before WWI, Germany during the “Golden Twenties”… things are good, even great, before they suddenly go downhill or stagnate indefinitely. I have international because it's been relatively cheap to either rebalance into or direct ne...
by stimulacra
Thu Mar 08, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't invest in my company 401K - mistake?
Replies: 24
Views: 2548

Re: Didn't invest in my company 401K - mistake?

15 years ago was pre-fininancial crisis… how did you guys navigate that particular storm? An early IRA account I had, (pre-bogleheads via UBS) had ridiculously high fees and a small balance, so that even though the funds themselves did relatively well compared to their benchmarks, the balances neve...
by stimulacra
Thu Mar 08, 2018 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 1190

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Follow up: Is there a case for the Mid Cap (S&P 400) in a portfolio? Currently I have Mid-cap value (VMVAX) at around 10% of my overall portfolio. Mainly wanted to add a value tilt to my allocation. It might be redundant on some level but don't think it's hurting me at the moment…  I might simplify...
by stimulacra
Thu Mar 08, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 15
Views: 1190

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

My 401k has Vanguard’s Large, Mid, and Small Cap index funds instead of the Total US fund. What allocation to these three funds should I be making to accurately mimic the Total US fund? With a previous 401k I've tried the following below and it tracked pretty closely to Vanguard's total market: 80%...
by stimulacra
Thu Mar 08, 2018 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Didn't invest in my company 401K - mistake?
Replies: 24
Views: 2548

Re: Didn't invest in my company 401K - mistake?

So I decided not to enroll in the company 401K. I worked there for three more years. What did you do in lieu of enrolling in the company 401k? If you opened an IRA, and maxed it out since then, it might be a wash. If you opened a taxable account and/or invested in a bunch of individual tickers / hi...
by stimulacra
Tue Feb 27, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8381

Re: Physical cash

My close friend bought the adjacent house from his at the end of a remote road in rural New England a few years ago. It was owned by a family of survivalists who kept largely to themselves. When my friend tore out the walls to renovate, he found slightly more than $70,000 in silver coins tucked up ...
by stimulacra
Tue Feb 27, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 8381

Re: Physical cash

I usually keep between $50 - 100 in cash in my wallet at any given time. Helps me stay under budget for lunch and when running weekend errands (haircut, coffee, etc…). I usually keep four or five dollar coins in the coin pocket of my jeans and it's come in hand countless times for small purchases or...
by stimulacra
Tue Feb 27, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Need a Pocket Watch
Replies: 26
Views: 1446

Re: Need a Pocket Watch

Cheap option would be to get a Casio F-91W (available in any drugstore, Walmart, Target, etc… for $8-10 ) and remove the straps. They're rugged accurate little timepieces that's easily replaced worldwide. Bingo! That's the one. Thank you all for wading in. You've just encouraged me to pick up a new...