Search found 108 matches

by smalliebigs
Fri Jan 24, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

Of course, doing the above is at your own risk and may potentially void warranty (if you have any).
by smalliebigs
Fri Jan 24, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

Regarding the comments on manual transmission and cost to repair the 8-speeds. The sales information that all OEMs have now indicate that most buyers of new cars lease, rather than buy. Thus, for most buyers, it won't be their problem with regards to repair. This is the advantage of leasing that the...
by smalliebigs
Thu Jan 23, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

I've wondered about this. Suppose the system is stopped for a light, and the clueless driver floors it the second the light turns green. Let's have them towing a good sized trailer, uphill, for good measure. So we've got all this load on the rod bearings and other parts squeezing out that oil film ...
by smalliebigs
Thu Jan 23, 2020 5:46 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

There is absolutely no extra wear and tear at all, other than needing a stronger starter motor and larger battery
by smalliebigs
Thu Jan 23, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

why are people so adverse to this feature? Just because "it's different"? I'm so confused why this is such a big turn off. Because this adds addition NVH, disruption, and is just something new. Poorly designed ones will have engine shudder and noise when the engine restarts. Sometimes, there are pl...
by smalliebigs
Thu Jan 23, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 4896

Re: Subaru Outback engine stop/start

I am an engineer working in the automotive industry. I am on the engine combustion side, not on electrical. However, I think I can give some context regarding the engine stop/start. By federal regulations, this stop/start functionality cannot be permanently turned off. With regards to the wear, the ...
by smalliebigs
Tue Jan 21, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 119
Views: 8569

Re: If you could only listen to one podcast...

Then it's Unmade Podcast. It's a podcast where the two guys come up with ideas for podcasts. In the process, they create the best untelevised sport of all time: Tommyball.
by smalliebigs
Tue Jan 21, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 119
Views: 8569

Re: If you could only listen to one podcast...

What I listen to:

Unmade Podcast (my favorite as I lived in Adelaide for a decade)
Hello Internet
Numberphile Podcast
No such thing as a fish
538 podcast
Hodinkee Podcast
The Grey Nato
Reply All
Brexitcast
Cox and Crendor podcast

I cannot even imagine only listening to 1 podcast.
by smalliebigs
Fri Jan 17, 2020 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 259
Views: 29302

Re: Engineers - What are you making?

I have a PhD, and just under 5 years experience with my company in the automotive field. I am making just a tad more than $100k base, 10% bonus
by smalliebigs
Fri Jan 17, 2020 10:39 am
Forum: Personal Investments
Topic: HSA - Spend or Save?
Replies: 16
Views: 646

Re: HSA - Spend or Save?

It depends?

From a pure retirement fund point of view, you should definitely save it.

But if you need to spend it because you don't have spare cash, then that's fine.

Life isn't black or white, 0 or 1.
by smalliebigs
Wed Jan 15, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 78
Views: 10242

Re: Chase Sapphire checking 1000$ offer

I see. So perhaps she mixed up the credit card bonus to checking bonus. That's fine. I won't hold this against her, anyway
by smalliebigs
Wed Jan 15, 2020 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 78
Views: 10242

Re: Chase Sapphire checking 1000$ offer

Chase will 1099 the UR points, probably at 1c/point. And you'll have to pay taxes in $$ (the IRS won't accept taxes in UR points :happy ). The original offer was for 60K UR points, so it would count as $600. At a 30% tax bracket (Fed + state), you'd pay around $180 for 60K points, which was a very ...
by smalliebigs
Mon Dec 23, 2019 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 893
Views: 146345

Re: High Earners - What's Your Profession?

I think most people really overestimate how much AI/robotics will advance in our lifetimes.
by smalliebigs
Mon Dec 23, 2019 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with $0 annual fee?
Replies: 48
Views: 4998

Re: Best Credit Card with $0 annual fee?

I've been combining the UR points from my Amazon card with the other credit cards for months now. I'm pretty sure they count

EDIT: I stand corrected. Just double checked. The Amazon card doesn't show on the "Combine Points" section. I always just combine all the points, so I never noticed.
by smalliebigs
Mon Dec 23, 2019 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 893
Views: 146345

Re: High Earners - What's Your Profession?

I wouldn't consider myself high income at all. But thought I'd contribute. My family and I live in a relatively LCOL area, and my salary + bonus is about $110,000.

Fortunate that my parents helped a lot with the housing down-payment and with some of the child's day care costs.
by smalliebigs
Tue Dec 17, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: Quality Power-Tool Brands
Replies: 93
Views: 5433

Re: Quality Power-Tool Brands

Milwaukee all the way for me. I've had colleagues and relatives working in the HVAC industry. They recommend Milwaukee for all their applications. That said, I pretty much agree with that tier list posted by snailderby. At the top of the list, there's not much separating the brands other than prefer...
by smalliebigs
Wed Dec 04, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire checking 1000$ offer
Replies: 78
Views: 10242

Re: Chase Sapphire checking 1000$ offer

I've gotten a cash offer similar to this before as well. When talking to my branch manager, she suggested to wait for the one that offers UR points, instead of cash. The IRS cannot touch your UR points...
by smalliebigs
Sun Dec 01, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: Christmas Vacation Idea with 2 yo Toddler?
Replies: 38
Views: 2243

Re: Christmas Vacation Idea with 2 yo Toddler?

Can we please keep this to just idea suggestions? We've traveled plenty with my son, and have even flown international, so we have a good idea how to handle this. We just need idea suggestions. I've included the fact that there's a two year old to eliminate places like 6 flags or Lexington, where th...
by smalliebigs
Sat Nov 30, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Christmas Vacation Idea with 2 yo Toddler?
Replies: 38
Views: 2243

Christmas Vacation Idea with 2 yo Toddler?

Hi all, I need some ideas on where to go for vacation during a 2 week Christmas break. Can you guys help me, please? We are a young family, 2 yo toddler, and by December, wife will be 4 months is pregnant with the 2nd. We are based in metropolitan Detroit, MI. We'd like to go somewhere that's a maxi...
by smalliebigs
Sat Nov 30, 2019 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10086

Re: Why I love banks

Credit card rewards, nationwide ATMs, 24/7 customer support, international presence, etc., etc.

And Wells Fargo isn't really a shining example for a bank to begin with...
by smalliebigs
Sat Nov 30, 2019 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why I love banks
Replies: 79
Views: 10086

Re: Why I love banks

If anybody is even a tiny bit in the middle class, banks are the way to go over credit unions. You can often see people on Reddit or other platforms blindly say credit unions are the best because they're not for profit, blah blah. But if you can have at least $1000 or whatever the minimum is for a c...
by smalliebigs
Fri Nov 29, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with $0 annual fee?
Replies: 48
Views: 4998

Re: Best Credit Card with $0 annual fee?

Agree re Chase Freedom. Can’t swear there’s not some better card out there but we have realized huge rewards from this card, both checks for cash back and Ultimate Rewards for travel and hotel. In recent years we’ve also picked up Chase Sapphire, which does have a steep annual fee (but a lot of tha...
by smalliebigs
Thu Nov 28, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card with $0 annual fee?
Replies: 48
Views: 4998

Re: Best Credit Card with $0 annual fee?

I have used Chase Freedom Unlimited for many years, the ultimate rewards points is quite flexible. It's 1.5% cash back for all purchases. Very recently, we have applied for the Citibank Costco Visa, and that's a very good value. We already pay 60$/year for Costco, so we consider the card to be "free...
by smalliebigs
Mon Nov 25, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Found hidden safe, should we crack?
Replies: 303
Views: 86304

Re: Found hidden safe, should we crack?

Don't forget to post to Reddit! They love a good safe cracking
by smalliebigs
Sun Nov 24, 2019 5:25 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 529
Views: 137676

Re: My New Car Buying Tips

I've built a relationship with the sales guy. I just rock up, with my employee discount, ask him what they're trying to get rid of via incentives, and just lease that. I get very good deals.
by smalliebigs
Thu Nov 21, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

I live in a city with a Delta hub, so it's the best choice for me. Also, I like Delta's service, so I tend to always go with them
by smalliebigs
Mon Nov 11, 2019 7:36 pm
Forum: Personal Investments
Topic: Investing $140k in cash at 1k per week
Replies: 174
Views: 12838

Re: Investing $140k in cash at 1k per week

What a stupid idea. Just put it in lump sum and get it over with. Assuming your investment timeframe is 30 years, the sizeable gains will more than make up for the occasional dips.
by smalliebigs
Mon Nov 11, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

That's a good point. Thanks!
by smalliebigs
Mon Nov 11, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

Careful... read the fine print. They may retain the right to claw back the awards if you cancel "too soon" (defined by them). IF they require at least a year, then also consider the annual fee to be the "cost" of 70k points. I assume that would be less than the value of those points to you, regardl...
by smalliebigs
Mon Nov 11, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

It's a targeted offer. It's 70,000 miles for $2,000 spending, which is very easily attained by us. With regards to the extra baggage, we've not really needed it yet; the carry on has been more than enough for us. Anyway, I've already applied for it. 70,000 miles here we go! I think my current strate...
by smalliebigs
Sun Nov 10, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

BeneIRA wrote:
Sun Nov 10, 2019 10:37 pm
If you can grab it for 70,000 miles, it is definitely worth it.
You're right. I've been blue balling this decision for a couple of days. I just needed someone to push me over the edge.
by smalliebigs
Sun Nov 10, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4373
Views: 842011

Re: What's Your Credit Card Rewards Strategy?

I think I'll piggy back here with this question. Is the Gold Delta card worth it if the offer is 70,000 miles? My current rewards strategy is Chase all the way: Reserve, Freedom Unlimited, Freedom, Business Ink Cash. We always fly Delta, but find the Chase Ultimate rewards points to be more flexible...
by smalliebigs
Thu Nov 07, 2019 7:53 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1575

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

Why don't you just build your own? There's nothing inherently special about the TDFs other than the glide path, which you can do on your own
by smalliebigs
Thu Nov 07, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: What car fits comfortably 3 adults with luggages?
Replies: 63
Views: 2065

Re: What car fits comfortably 3 adults with luggages?

Large SUV or minivan will work.
by smalliebigs
Thu Aug 08, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Silicon Valley Interview Attire
Replies: 30
Views: 2954

Re: Silicon Valley Interview Attire

Blazer/sportscoat, shirt, pants, proper shoes. But keep it casual colors, such as browns, tans, grays. They say smart casual, but you want to lean towards the smart, and less towards the casual.
by smalliebigs
Tue Aug 06, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Australia Trip - 2021
Replies: 25
Views: 1917

Re: Australia Trip - 2021

Perth is pretty far from the other populated cities. If you have limited time, and/or budget, I'd recommend staying in the East coast. I've been to Perth a few times, it's a nice place, but not that special enough for a 4 hour plane trip over.
by smalliebigs
Mon Aug 05, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Australia Trip - 2021
Replies: 25
Views: 1917

Re: Australia Trip - 2021

I highly recommend Adelaide. Lived there for 10 years. It's a great small city with everything within 30 minute's drive. Not to mention also having the greatest wine region in the world: Barossa Valley.
by smalliebigs
Fri Aug 02, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: luxury vehicle: what income/asset range
Replies: 75
Views: 5053

Re: luxury vehicle: what income/asset range

For a younger buyer, $5k saved today could be worth $40k after 30 years of growth at 7%. Of course, it depends on that buyer's income, net worth, and saving habits if even 30 years worth of growth on that amount of money would matter. It won't make or break anyone's retirement, but it could be enou...
by smalliebigs
Fri Jun 14, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: Watch experts: Bucherer with orange face????
Replies: 12
Views: 1635

Re: Watch experts: Bucherer with orange face????

Probably a better place to ask this is on watchuseek, or omegaforums. You will get a much better response. Some pictures will help too!
by smalliebigs
Fri Jun 14, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: Should you buy VTSAX or VTI in a taxable account?
Replies: 16
Views: 1951

Re: Should you buy VTSAX or VTI in a taxable account?

Thank you. That's incredibly interesting.
by smalliebigs
Fri Jun 14, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Cartier bracelet
Replies: 40
Views: 3617

Re: Cartier bracelet

This isn't directed at a particular person, but I am surprised that many would suggest getting a pre-owned gift for another person. Granted, if the other specifically mentioned that pre-owned is OK, then that's another matter. But I think giving a gift, especially to one's wife contains more than th...
by smalliebigs
Fri Jun 14, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Should you buy VTSAX or VTI in a taxable account?
Replies: 16
Views: 1951

Re: Should you buy VTSAX or VTI in a taxable account?

MotoTrojan wrote:
Thu Jun 13, 2019 9:55 pm
Often times ETFs are more tax efficient but at VG they are both equivalent due to a patented trick of theirs.
Saw this mentioned twice today now. What's this "patented trick" that you're referring to?
by smalliebigs
Fri Jun 07, 2019 9:18 am
Forum: Personal Investments
Topic: $1.5M - My investment plan, Your advice/suggestions
Replies: 17
Views: 4166

Re: $1.5M - My investment plan, Your advice/suggestions

Bayareatechie wrote:
Fri Jun 07, 2019 9:02 am
...

They also had a Vanguard CFP prepare an investment plan for free, which looked nice but substance was pretty similar to what you get on this website.
Gasp! What if we secretly are the CFP?
by smalliebigs
Fri Jun 07, 2019 6:37 am
Forum: Personal Investments
Topic: $1.5M - My investment plan, Your advice/suggestions
Replies: 17
Views: 4166

Re: $1.5M - My investment plan, Your advice/suggestions

@retire2022

Regarding the Flagship Services. Have you experienced it? Is the extra service any decent?
by smalliebigs
Thu Jun 06, 2019 7:44 am
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 6231

Re: How would you invest a lump sum of 3 million dollars in today's market?

Congratulations for having this particular problem. It would be good to read through the windfall wiki linked above. If it were me, I'd take 500k and put it in a US treasury as a form of insurance from yourself. It's your safety factor. For the rest, I'd weigh my risk tolerance, and just split it in...
by smalliebigs
Wed Jun 05, 2019 8:54 pm
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2639

Re: What to do with extra cash each month?

No. Reducing the mortgage is not going to help if there is an emergency. What's he going to do, sell the house? With a toddler and non-earning wife I think he does need to double his emergency fund (although in an extreme pinch he could use the Roth IRAs). Seeing you putting it that way makes me re...
by smalliebigs
Wed Jun 05, 2019 1:24 pm
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2639

Re: What to do with extra cash each month?

Actually, I feel like my 3 month's worth of income is a decent level of emergency funds. In a true, true emergency, we can still draw from the rIRA, credit cards, my wife's savings, etc. And my job is pretty stable, so I don't have any worries there. I feel like the 529 is a low end of scale for pri...
by smalliebigs
Wed Jun 05, 2019 11:14 am
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2639

Re: What to do with extra cash each month?

If I were to put an extra $1,000 into my mortgage, it would end in 2026, from amortization calculations. That seems quite an interesting prospect
by smalliebigs
Wed Jun 05, 2019 9:36 am
Forum: Personal Investments
Topic: What to do with extra cash each month?
Replies: 28
Views: 2639

Re: What to do with extra cash each month?

Well, my 401k is only saved up to my company match up to now. There's effectively $9,000 still up for grabs, potentially.