Search found 1673 matches

by Cycle
Thu Sep 17, 2020 8:28 pm
Forum: Personal Consumer Issues
Topic: Another Digital Piano Thread
Replies: 14
Views: 823

Re: Another Digital Piano Thread

I've been teaching my one year old on a Yamaha P-515. The action is heavy and fatiguing for me when I play really fast pieces, I can't imagine how it must feel to him. The older Yamaha keyboard action, like a p-45 will have much better feel than their fancy new version. I used to have a p-80, and if...
by Cycle
Thu Sep 17, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What one Book to read about personal finance?
Replies: 40
Views: 2225

Re: What one Book to read about personal finance?

Start with a YouTube video.

If a book tho, millionaire next door or some savings focused book
by Cycle
Thu Sep 17, 2020 7:34 pm
Forum: Personal Consumer Issues
Topic: Relocation - CO considerations?
Replies: 38
Views: 2429

Re: Relocation - CO considerations?

On housing, you can always just get less house or in a less desirable area.
by Cycle
Sun Sep 06, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on condos?
Replies: 65
Views: 5558

Re: Thoughts on condos?

I've lived in a variety of situations. SFH in suburbs, apartments in big/small building, condo in 4 unit association, owner occupy two unit building, condo in 150 unit association. One big question is, do you like driving to do virtually everything? Most people in sfh can't walk to their daily needs...
by Cycle
Sat Sep 05, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5755

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

.... As for looking for a different job outside the company, I enjoy the low-stress work, people, 13% match, 8 weeks vacation, 10 holidays, no commute, laid back environment so looking elsewhere isn't my top choice at this moment. I would literally take a 30% pay cut for this. Especially if the cul...
by Cycle
Sat Sep 05, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5755

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

IMO it would be a very bad idea to go from 0 direct employees to 15-20. That’s a recipe for disaster, especially when you haven’t managed before. Where I work (in software), when someone becomes a manager they typically start with only 2-4 reports, and even experienced managers try not to exceed 10...
by Cycle
Sat Sep 05, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5755

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

But I think one thing that people can easily underestimate is the risk of simply continuing to do what you currently do. Sheepdog's post above is an example, and there are plenty more. If you are in management, when a time comes to reduce staff, you will get to be on the deciding end instead of the...
by Cycle
Sun Aug 30, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: So, I was playing Pickleball and Amazon sent me an offer
Replies: 87
Views: 7242

Re: So, I was playing Pickleball and Amazon sent me an offer

Why fight it, just buy the pickle ball paddles

I use duck duck go browser and search for most things, Firefox as my secondary,

chrome as a last resort... Usually for work looking for some code I wasn't able to find on stack overflow
by Cycle
Sat Aug 29, 2020 9:05 pm
Forum: Personal Consumer Issues
Topic: What purchases are you planning now for the Fall/Winter to get ahead of demand?
Replies: 57
Views: 6812

Re: What purchases are you planning now for the Fall/Winter to get ahead of demand?

If you are thinking of kettlebells or weights, I got some recently off Amazon. It was $37 for a 25lb. $63 for a 40lb vinyl one. $70 for a 60lb one. All Amazon basics. Two arrived within a week. The other said two months, but it keeps getting pushed up, looking like it will be 3 week. These are prett...
by Cycle
Sun Aug 23, 2020 2:05 pm
Forum: Personal Investments
Topic: Single Stock (TSLA)
Replies: 22
Views: 2017

Re: Single Stock (TSLA)

I've ridden in the back of a model S when an Uber X driver was driving one. It's a car, equivalent to the other cars I get rides in. I don't care what brand it is, so long as it shows up and gets me there safely. I don't care if it's electric. It's pretty interesting there is so much hype over this ...
by Cycle
Sun Aug 23, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16285

Re: Do you talk to your friends/family/coworkers about this stuff?

If topic comes up, I just say I invest any extra money regardless of current prices in target funds and use tax advantaged accounts, like 401k, Roth IRA, 529. What I do is slightly more complicated, but they don't need to hear that. Nobody ever asks any follow-up questions bc it's so boring. The top...
by Cycle
Fri Aug 21, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9576

Re: Vacationing safely in the era of Covid - How did you do it?

We did a 4 day canoe trip in the boundary waters. Drove up there, got the canoes, paddled a couple hours then camped. Then repeated that process and drove straight back. You have your own camp site and all outdoors, so it is very socially distanced. We got some takeout on the way back and ate that a...
by Cycle
Thu Aug 20, 2020 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford a new car?
Replies: 79
Views: 5264

Re: Can I afford a new car?

Do you already have all your money set aside for your kids college? Could be another place to deploy some cash, ie 529.
by Cycle
Fri Aug 14, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard paper on its investors who moved to all-cash during the pandemic
Replies: 61
Views: 7674

Re: Vanguard paper on its investors who moved to all-cash during the pandemic

At my 100k + company we just had the voluntary retirement offers made. Next is the layoffs. We spend far less during this pandemic than otherwise. Our work will have us working from home until a vaccine is out. There's discussions about reducing hard real estate, since most people will be flex going...
by Cycle
Fri Aug 07, 2020 8:53 pm
Forum: Personal Investments
Topic: Anyone using crypto exchanges to earn higher interest on their cash?
Replies: 79
Views: 6175

Re: Anyone using crypto exchanges to earn higher interest on their cash?

tman9999 wrote: Fri Aug 07, 2020 2:00 pm You could earn over 8% interest on a US Dollar Coin (USDC) deposit, compounded monthly without volatility.
Image
by Cycle
Mon Aug 03, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: Planning for a future "gap year" with children
Replies: 10
Views: 1227

Re: Planning for a future "gap year" with children

i budgeted 100k for budget but not hostel-only travel based on expenses from other trips. Don't over plan just plan for the first couple weeks and take it from there. Have you read vagabonding? I'd also like to do something with our 2 kids when they are a bit older, currently they are 0 and 1.5. We ...
by Cycle
Mon Aug 03, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 179
Views: 41787

Re: Becoming a Landlord: My Experiences

my two cents, being a landlord on site is easy. When we moved away, ie an absentee landlord, it became too much work. Just not worth it. I'm selling and closing on the property that had $3200/mo in rent for $500k in a few weeks. I felt like i either needed to scale up or drop it. just doing 1 prope...
by Cycle
Sun Aug 02, 2020 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 179
Views: 41787

Re: Becoming a Landlord: My Experiences

my two cents, being a landlord on site is easy. When we moved away, ie an absentee landlord, it became too much work. Just not worth it. I'm selling and closing on the property that had $3200/mo in rent for $500k in a few weeks. I felt like i either needed to scale up or drop it. just doing 1 prope...
by Cycle
Sat Aug 01, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5640

Re: Cyclists...where are you getting your masks?

They make buffs for trail runners (ie not winter buffs), just get one of those. They are very thin.

I just use my standard loop behind the ears cloth mask tho, i tuck it under my chin and pull it up when i briefly yield at a red light with other peds/cyclists or am in a close line.
by Cycle
Fri Jul 31, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8699

Re: How long to keep a car

I sold my car after 12 years, someone else is probably driving it now. I now share one with my spouse, it is 9 years old with 100k miles, and hope it will be the last car we own.
by Cycle
Thu Jul 30, 2020 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much home can I afford?
Replies: 46
Views: 4150

Re: How much home can I afford?

you could buy a condo here in minneapolis with the cash between your couch cushions. I would sincerely consider renting a nicer place vs. buying a 2M+ condo. I am a condo dweller, but people live in phases and if u end up needing to move in 5 years, the per/month cost of that condo could be astronom...
by Cycle
Thu Jul 30, 2020 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 179
Views: 41787

Re: Becoming a Landlord: My Experiences

my two cents, being a landlord on site is easy. When we moved away, ie an absentee landlord, it became too much work. Just not worth it. I'm selling and closing on the property that had $3200/mo in rent for $500k in a few weeks. I felt like i either needed to scale up or drop it. just doing 1 proper...
by Cycle
Thu Jul 30, 2020 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: FOMO: Gold and Silver -- Buy, Sell, Hold, Waiting for Dip?
Replies: 43
Views: 2640

Re: FOMO: Gold and Silver -- Buy, Sell, Hold, Waiting for Dip?

I sold 60 silver eagles a few weeks ago for $24 ea. Spot price then was 19ea. That was the last of my PM, i'm out. I just don't see the whole economy converting to physical PM even in a hyperinflation scenario. I'm curious, how did you go about selling them? Did you ship them to a reputable online ...
by Cycle
Thu Jul 30, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: Lost duodecade in international (ASWX, VEU, CWI)
Replies: 95
Views: 4657

Re: Lost duodecade in international (ASWX, VEU, CWI)

I view it the same way I view real estate, I need it for shelter in case of a major storm but I don't expect it to appreciate more than inflation in my lifetime. Well not quite... with international I'd certainly expect above inflation appreciation at some point, but I may be pushing up daisies befo...
by Cycle
Tue Jul 28, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: FOMO: Gold and Silver -- Buy, Sell, Hold, Waiting for Dip?
Replies: 43
Views: 2640

Re: FOMO: Gold and Silver -- Buy, Sell, Hold, Waiting for Dip?

I sold 60 silver eagles a few weeks ago for $24 ea. Spot price then was 19ea.

That was the last of my PM, i'm out.

I just don't see the whole economy converting to physical PM even in a hyperinflation scenario.
by Cycle
Sun Jul 26, 2020 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Custom Home Thoughts
Replies: 103
Views: 7512

Re: Custom Home Thoughts

There is really no such thing as a forever home. Peoples needs change, especially when getting older and I'd worry about keeping social after retirement if I lived out in the boondocks. I would certainly think there'd be a change to your needs when you are empty nesters. I'd probably just move to an...
by Cycle
Sat Jul 25, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Pros and cons of buying a big house
Replies: 60
Views: 5196

Re: Pros and cons of buying a big house

Big con of big house is time wasted shopping for and filling it with stuff, spring cleaning said stuff, hiring people to do maintenance or spending time to do maintenance. Usually the single family homes are in unwalkable neighborhoods, which may be fine since most people who make that lifestyle cho...
by Cycle
Fri Jul 17, 2020 9:52 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6354

Re: Anyone else love this new working from home thing?

not really. have a toddler. we have a baby sitter, but until he goes back to daycare in September it is difficult to focus with the screaming and screaming. i moved my office into the bedroom and blast white noise, but still the screaming can't be drowned out. I've also needed to install a blocker f...
by Cycle
Wed Jul 15, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: what is your weekly workout routine?
Replies: 112
Views: 12000

Re: what is your weekly workout routine?

i do some pullups on the monkey bars when watching my kid. sometimes i'll do them with my toddler strapped to me.

generally just try to walk a lot, like i run all my errands by foot.

main thing is to eat minimally processed foods... i say as i eat a Klondike bar.
by Cycle
Wed Jul 15, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: Any way to use a phone app on a computer?
Replies: 12
Views: 998

Re: Any way to use a phone app on a computer?

download android studio and you can have the latest pixel phone right on your PC, granted an emulated version.
by Cycle
Wed Jul 15, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for Golf Ball Through Windshield
Replies: 93
Views: 5861

Re: Liability for Golf Ball Through Windshield

might just use an iron on that hole. i actually score better when i leave the driver in the bag, primarily due to no penalty strokes.
by Cycle
Tue Jul 14, 2020 10:33 pm
Forum: Personal Consumer Issues
Topic: Coffee bean grinder
Replies: 34
Views: 1610

Re: Coffee bean grinder

every couple of years a conical burr grinder shows up in the aldi Finds aisle. I've been using mine for years now for french press or pour over. It was $20.
by Cycle
Fri Jul 10, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: Who has painted their own house?
Replies: 45
Views: 3776

Re: Who has painted their own house?

I just painted the windows on the 2nd story of a rental i'm getting rid of. I'd recommend having a sturdy ladder and stabalizer arms if you're doing anything high up. I've used them before, but didn't have them last night and definitely felt the height a bit more without those stabalizer arms.. In t...
by Cycle
Fri Jul 10, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 139
Views: 16583

Re: Landlords: How are you doing this year?

One property (2 units), lots of maintenance requests this year, for dumb stuff... E.g. tenant was turning key wrong way to unlock door, tenant closes window too hard and glass shatters, tenant reports garage door broken (replaced remote batteries). Have 2nd kid due in August and no longer want to d...
by Cycle
Fri Jul 10, 2020 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 139
Views: 16583

Re: Landlords: How are you doing this year?

One property (2 units), lots of maintenance requests this year, for dumb stuff... E.g. tenant was turning key wrong way to unlock door, tenant closes window too hard and glass shatters, tenant reports garage door broken (replaced remote batteries). Have 2nd kid due in August and no longer want to d...
by Cycle
Fri Jul 03, 2020 10:15 pm
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 176
Views: 16455

Re: Tesla becomes most valuable car company in the world

For people that actually think there will be fully autonomous self driving car fleets in dense cities, and not just for semis on the highway, watch this video of a car trying to turn left in Paris https://twitter.com/EmmanuelSPV/status/1278009587971624966?s=20 I have no doubt a computer can do tasks...
by Cycle
Fri Jul 03, 2020 9:31 pm
Forum: Investing - Theory, News & General
Topic: Tesla becomes most valuable car company in the world
Replies: 176
Views: 16455

Re: Tesla becomes most valuable car company in the world

You need to understand Tesla is an energy and tech company. Imagine a world where all Tesla cars are connected to Starlink (https://www.starlink.com/) and are 100% self-driving capable and could serve in the RoboTaxi fleet when the owner is not using it. Imagine the Tesla car gains flying-capaiblit...
by Cycle
Thu Jul 02, 2020 11:09 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1704
Views: 221463

Re: Two Comma Club

Congrats, that's an amazing accumulation in 11 years, keep it up and happy FIREing
by Cycle
Thu Jul 02, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 139
Views: 16583

Re: Landlords: How are you doing this year?

One property (2 units), lots of maintenance requests this year, for dumb stuff... E.g. tenant was turning key wrong way to unlock door, tenant closes window too hard and glass shatters, tenant reports garage door broken (replaced remote batteries). Have 2nd kid due in August and no longer want to d...
by Cycle
Thu Jul 02, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32289

Re: Really hard to avoid "Keeping up with the Joneses"!

You know as someone who had an SUV which I got very cheap/needed transportation from a family member in the car business -- which i ended up really liking eventually --I have to say: I am really starting to dislike the drivers and these big dumb trucks in general. I had a medium SUV -- 98 explorer....
by Cycle
Thu Jul 02, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32289

Re: Really hard to avoid "Keeping up with the Joneses"!

Seems like there are just as many people who like to brag about being thrifty here as there are folks who like to brag about having stuff. At the heart of both is the desire to feel superior to someone else... Definitely. But peoples lifestyles choices do end up having victims. Namely every us city...
by Cycle
Thu Jul 02, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32289

Re: Really hard to avoid "Keeping up with the Joneses"!

Elon Musk is a crackpot. And that's not taking anything away from his achievements. Perhaps to be achieve at his level you have to be a bit of one. But I'd be even less likely to consciously pattern my consumption after an eccentric billionaire than to consciously pattern my consumption after 'the ...
by Cycle
Thu Jul 02, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32289

Re: Really hard to avoid "Keeping up with the Joneses"!

I don't even look inside to see who's driving the lambo anymore, whereas when I was in the car class 🤡 I'd always be curious whos driving the Bentley or lambo. I turned the page on that chapter tho 4 years ago, 16 years after getting my license. Back when I was in grad school (mid ‘70s), I met some...
by Cycle
Thu Jul 02, 2020 9:20 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 313
Views: 32289

Re: Really hard to avoid "Keeping up with the Joneses"!

I think it's good practice to do the reverse and flaunt your poverty. If someone asks you why you're driving some beaten-up car, just say you can't afford anything nicer. Doing things like that helps shift your mentality from tying your self-worth to material things. So what if someone has a bigger...
by Cycle
Wed Jul 01, 2020 10:46 pm
Forum: Investing - Theory, News & General
Topic: 50% VTSAX (VANGUARD) & 50% Gold (One Gold)
Replies: 53
Views: 4189

Re: 50% VTSAX (VANGUARD) & 50% Gold (One Gold)

40 years... Better hope fusion power doesn't become a reality bc gold would be very cheap to mine with free energy.
by Cycle
Wed Jul 01, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: I sold my boat today
Replies: 20
Views: 4029

Re: I sold my boat today

I have an annual membership to our local boat rental. We bike there, go for a quick paddle, and bike home. They have four locations here, so never locked into one lake and never have to haul/store the boat. The shared economy is convenient.
by Cycle
Wed Jul 01, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 139
Views: 16583

Re: Landlords: How are you doing this year?

One property (2 units), lots of maintenance requests this year, for dumb stuff... E.g. tenant was turning key wrong way to unlock door, tenant closes window too hard and glass shatters, tenant reports garage door broken (replaced remote batteries). Have 2nd kid due in August and no longer want to do...
by Cycle
Wed Jul 01, 2020 8:56 pm
Forum: Personal Investments
Topic: What is the best investment to have for 50 years?
Replies: 16
Views: 1925

Re: What is the best investment to have for 50 years?

Vtwax, ie total world, aka the haystack
by Cycle
Sun Jun 28, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 230
Views: 12700

Re: What is the single best piece of exercise equipment you bought for your home?

You won't believe this, but it's my lawn mower. I use regularly and sweat up a storm. This will continue til I can't do it anymore. I believe it. I have a reel mower. It’s good exercise and makes our lawn look really nice. Thank you, I appreciate people who exercise quietly. It is important to be p...
by Cycle
Sun Jun 28, 2020 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Hopeless Civil Engineer
Replies: 155
Views: 14301

Re: Hopeless Civil Engineer

My brother got his mba, now does municipal bonds, investment banking.

Still has his pe...

I have no idea how much he makes