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Helo80

Might suggest to brother that he look into defensive driving class for nephew. The only way you can rear end another car is by following too close..... Many new cars have Automatic Emergency Braking systems on them now as well. If memory serves, all new cars sold in the US will require this system ...

Helo80

I'm wondering when people are going to run out of money or stimmies to pump into stocks.

Helo80

This thread is 100% depressing and makes me want to spend every penny I have.

Helo80

Emergency Fund is VTSAX

Helo80

OP, you have enough to retire. There are enough income based social safety nets in place that are laws of the land that you should be able to ride this out.

Helo80

What's the inside joke? I'm extremely dense right now... It is completely going past me. I always stereotype gamers as carrying a few extra pounds b/c of gaming and its sedentary nature. Gamestop the company is trimming "fat" by closing stores in low traffic areas, among another things. T...

Helo80

No one was stopped from selling. Who was left holding the bag because they could not sell ? If someone held on it was because of FOMO, greed, whatever. And that's exactly why the GME in first wave tanked (which ruined the biggest short/call squeeze in stock market history). Brokerages like Robinhoo...

Helo80

The Gamestop because they are trimming fat and the others are all about adding fat. lol.. ok, that one made me laugh. :sharebeer What's the inside joke? I'm extremely dense right now... It is completely going past me. I always stereotype gamers as carrying a few extra pounds b/c of gaming and its s...

Helo80

Concerning the restrictions on buying set by brokerages, it's pretty bad when the tin foil hat conspiracy theorist "brokerages are out to get us" mentality has infected Bogleheads. I get it that you think that Wall Street and the hedge fund will always win this one. But, what do you care ...

Helo80

We can also make choices about which threads we comment on. Correct. You were under no obligation to post to this thread either. Please tell us how many minutes/hours/days you have actually spent in the District of Columbia. Enough that it would not be the answer you're expecting. I do remember the...

Helo80

VA and MD are not significantly cheaper for housing than the nicer areas in DC, unless OP's daughter is prepared to spend 2+ hours a day commuting. Anyway, housing prices can easily be found online, OP's daughter can decide whether housing in the not "very rough" parts of DC are affordabl...

Helo80

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Helo80

I don't believe in marriage. I have seen way too much carnage.. my friend is paying alimony for life while his ex drives a Maserati...seriously messed up. These days there is no need, you can just live with someone and the commitment can be just as good, why is a piece of paper important? In some a...

Helo80

However, if I had reason to believe my marriage had a 50% chance of failure, I certainly would not have married. I don't know what percentage of marriages end in divorce, but that has nothing to do with my marriage. Most people don't start restaurants (or any businesses) with the expectation that i...

Helo80

Then don't marry. You don't have to make that promise. (I'm not religious and don't have any interest in Dave Ramsey's opinions.) What do you care what others do then? You are not religious, and therefore people tying and untying the knot has zero, and I mean zero, bearing on your life. It's common...

Helo80

If you decide to get married with a prenup, you're making a lifetime promise while simultaneously creating documents to handle the dissolution of the marriage. That is a contradiction. It makes no sense. I write this as someone who married with about 100X my wife's net worth and changed everything ...

Helo80

And even if you choose not to have a prenup, you need to sit down and have a serious financial discussion with your fiancée before getting married. Entering marriage with one partner thinking "what's your is ours" and another partner thinking "what's mine will never be yours" is...

Helo80

And even if you choose not to have a prenup, you need to sit down and have a serious financial discussion with your fiancée before getting married. Entering marriage with one partner thinking "what's your is ours" and another partner thinking "what's mine will never be yours" is...

Helo80

The cabin is usually super easy to check, it may be behind everything stuffed in the glove box. Or not. Totally depends on the car. I've DIYed many cars, and while some are "super easy" others certainly are not. Vintage BMW 5-series was stuffed behind the center consul and really difficul...

Helo80

Not to harsh your parenting, but why doesn’t your daughter figure this out on her own? I’m 27 and never asked my parents for advice on my lifestyle. DC is very rough outside of the tourist areas. I personally would not want to live there. Plus, I have a bunch of property that would be felonies in D...

Helo80

Maybe there will be a time on this forum where BogleHeads advise each other on AA and minimal amounts needed before Cryogenically freezing oneself only to be awoken again several hundred years in the future with billions of dollars on the stock market.

Helo80

Is it better to use to fidelity zero funds or their regular index funds to achieve this allocation? Is there a catch to the zero funds having no fees? Zero expense funds are cool and all, but something like FSKAX (total stock market) has an ER of 0.015% or 1.5 bps or $150 per $1 million dollars inv...

Helo80

Is your net worth about 8 digits? Why is your adviser recommending Whole Life?

YouTube the videos on "Whole Life". Dave Ramsey has a number of rants on Whole Life that you should pause to at least consider.

Helo80

I'd never buy a vehicle online site unseen. And you shouldn't have either. :moneybag Agreed. This thread could have easily gone the other way where OP is asking how to get out of the deal b/c come to find out, the previous owner smoked like a chimney in the vehicle. Another guy that didn't read tha...

Helo80

rustymutt wrote: ↑Fri Mar 05, 2021 12:48 pm I'd never buy a vehicle online site unseen. And you shouldn't have either.

Agreed. This thread could have easily gone the other way where OP is asking how to get out of the deal b/c come to find out, the previous owner smoked like a chimney in the vehicle.

Helo80

Helo80 wrote: ↑Fri Mar 05, 2021 11:31 am EyeGreping the S&P500, it looks like the YTD low was 3714... My guess is that we drop past that today or sometime soon.

It didn't happen today. However, if this morning's decline had continued, I would have thrown some coins into VTSAX.

Helo80

Stinky wrote: ↑Fri Mar 05, 2021 11:30 am It’s lookin’ ugly out there.

We can gather around the campfire tonight and sing Kumbaya and read the Gospel of Jack Chapter 2 verses 3-4: "This is all just noise. HODL the VTSAX"

Helo80

EyeGreping the S&P500, it looks like the YTD low was 3714... My guess is that we drop past that today or sometime soon.

Helo80

This is the environment where Dollar Cost Averaging really shines. I wouldn't do any lump sum investments in this environment... both my refund and stimulus monies will be parked in my savings account until the market starts to rise again. +1, though imo DCA shines as you average down, i.e. you wan...

Helo80

I learned in this thread to not get married and trust no one. Also, gold and GPS coordinates seems like another way to do inheritance. That way, the people you love will know where it is. The people you don't love won't know where it is. If the people you love eventually pass, then it does not matte...

Helo80

Another vote in my book for the engineered hardwood floor. While I love me a good solid hardwood floor, and such floors still exist in 200+ year homes (and I could imagine be sanded and restored with the right crew), the practicality of solid hardwood is that none of us are living 200 years unless t...

Helo80

I just read this entire thread from beginning to end, and my mind kept thinking back to those other boglehead threads that encourage members to solicit email bids from multiple dealers in an attempt to start a price war for a certain make and model of new car. Seems like this dealer was simply runn...

Helo80

I'm sure a car dealership is the same way. They get tons of lookie loo's who kick the tires, take test drives, promise that they'll be back as soon as they get their next paycheck, get the approval for the bank loan, etc, but are never heard from again. So when an actual customer shows up with a ch...

Helo80

It would be difficult for them to do so because this was a low mileage pre-owned car; most others of this model had 30,000-40,000 more miles on them so the other cars are not similar alternatives. What's the car? An FJ Cruiser? That's the only thing I can think of where it might have low-mileage an...

Helo80

4Runner doesn't have Blind spot monitoring. Beats me why. For me it is deal breaker. Otherwise I'd have owned it ... The 4runner does not have a lot for what you pay for one, and the vast majority of buyers (I'm guessing) are not taking them to 300k+ miles and will keep them as a Pavement Princess....

Helo80

Dealers are paid on a car sold, not promises of a car sold. What did the Buyer's Order that you signed say? I find it unlikely that you signed one from what you described. Yes, it's a jerk move by the dealer to go through all the motions of DLs, upload this, upload that, upload your marriage certifi...

Helo80

OldBallCoach wrote: ↑Mon Mar 01, 2021 8:37 pm Brakes, tires and parachutes are three areas I tend to not go cheap on.

But, this is BHs and anybody that sells a product is part of a grand conspiracy against your retirement savings.

Helo80

Here is a handy source of information from a company that has every incentive to sell you a tire: https://www.michelinman.com/tireinspectorTool_tread.html Enjoy! This post courtesy of a random person on the internet, who does not sell tires, or spin stories about tires. Broken Man 1999 It's a good ...

Helo80

I wonder how low some will allow the replacement bar to be set. Some of this reminds me very much of how quickly 3000 mile oil-changes became imbedded in so many minds of drivers. Broken Man 1999 Realize that that was recommended at a different time when engine machining was far worse than today an...

Helo80

I have been in the situation many many times where I replaced my back tires and got the old ones rotated to the front, and the "new" back tires were used with barely more tread than the old ones. Something subtle but worth noting for this forum is that you always, always, always put the n...

Helo80

To read Bogleheads you would think no one every made money by investing in individual stocks. In fact, the data used to support this argument comes from studies of mutual funds, where managers have not been able to consistently beat the market. But mutual fund managers face constraints that are not...

Helo80

denovo wrote: ↑Sun Feb 28, 2021 8:14 am HODL- Hold for dear life

That may be the revised definition. However, "HODL" started as a typo in a drunk rant on a bitcoin forum when BTC prices crashed in 2013.

Google: "I AM HODLING"

I can't link the bitcointalk.org forum post due to the language used.

Helo80

Well I think thats a little extreme. Any other tire lurkers here. Look at tires on cars in parking lots. You can see some really scary stuff. Its amazing what people will drive with. Yup. It's amazing what's on the road, and how long people allow this stuff to go on for. Or, when people are driving...

Helo80

At the end of the day, tires are expensive, and unfortunately, this forum can gravitate towards being penny wise and pound foolish. I believe you have to have a balanced approach. Replacing tires a little more frequently than maybe necessary shouldn't be a big expense and I think most of us don't h...

Helo80

Certainly, tires on cars that are garaged will last longer than tires on cars that are subject to the elements. Still I would not push it much beyond 7 years. If a car was not driven much and was garaged all of the other times, I could see stretching it out maybe to 10 years. But this in my view is...

Helo80

It depends a lot on the conditions the tires are subjected to. Tires may last over a decade on a "garage queen" that seldom sees ultraviolet rays or extreme temperatures. My motorcycle tires lived 13 years and even then tread wear was the dominating factor! Tires that spend many hours a d...

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