Search found 1466 matches

by Cycle
Mon Nov 18, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: morality, kids, tuition etc
Replies: 68
Views: 3944

Re: morality, kids, tuition etc

Most of my lifelong friends I met in a dorm freshman year, and then we got a house together junior/senior year.

I'm saving enough for my kids college so he can make the same mistakes I did. Ie party too much and get mediocre grades (albeit in engineering).

Worth every penny (of my parents money).
by Cycle
Fri Nov 15, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Best thing you have ever bought?
Replies: 145
Views: 10982

Re: Best thing you have ever bought?

Brompton M6L folding bike. Do u really need the 6? The gear ratio of the M3L is pretty solid. I had an s2l but sold it as it wasn't great in winter. I regret selling it, as I loved the way it rode. Steel is real. I may get a M3L this black Friday at my lbs. Best thing ever? Just bought a condo acro...
by Cycle
Fri Nov 15, 2019 1:54 pm
Forum: Personal Investments
Topic: Roast my investing strategy. (Help me FIRE)
Replies: 31
Views: 3323

Re: Roast my investing strategy. (Help me FIRE)

Personally I’d want to be rid of the stress of being a landlord. Why no international exposure? A little bit of long term treasuries could help too. Ditto. Heading to my rental tomorrow morning to dust some radiators a new Tennant complained about who has a dust allergy. If u want real estate incom...
by Cycle
Thu Nov 14, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Bigger car for baby?
Replies: 62
Views: 2636

Re: Bigger car for baby?

On the daycare piece, I've found it to be pretty convenient to live across the street from one. Can just carry the infant there, no need for a stroller. Then having the grocery store, brewery, restaurants, doctor, park, dentist a couple blocks away eliminates most of the hastle of loading the child ...
by Cycle
Wed Nov 06, 2019 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

I will be attempting to get the $75 fee waived on the 2nd card, saying we don't need the 2nd priority pass. I want the 4.25% equivalent value on dining/travel points redeemed for travel. My Uber card is going bye bye. My wife has the CSR and we decided to simply forego having a second card. I can s...
by Cycle
Wed Nov 06, 2019 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

I will be attempting to get the $75 fee waived on the 2nd card, saying we don't need the 2nd priority pass. I want the 4.25% equivalent value on dining/travel points redeemed for travel. My Uber card is going bye bye. My wife has the CSR and we decided to simply forego having a second card. I can s...
by Cycle
Wed Nov 06, 2019 10:20 am
Forum: Personal Investments
Topic: Will we be OK at 3% WR?
Replies: 308
Views: 21273

Re: Will we be OK at 3% WR?

What does the additional spending look like? Is it going out for dinner a couple times per week? Perhaps one or two extra vacations? I just really wonder if additional spending will improve lifestyle or enjoyment of life, assuming u aren't eating cat food today. I think about this bc I'm frugal and ...
by Cycle
Wed Nov 06, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4126

Re: Your Fantasy Kitchen (Cookware-wise)

I recently got rid of all my cast iron pans (still have a couple Le cruset cast iron enameled pieces). Non stick (in good condition) works best for my needs (t-fal). I can't transfer the t-fal pan from stove top to oven, which I would do for fish, but not the end of the world . I cook every night, b...
by Cycle
Tue Nov 05, 2019 5:22 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 135
Views: 18311

Re: Do you invest in Real Estate ? Why ?

Spring broke on the mortise lock. One hour of me fiddling followed by two hours running to lock shop and the issue was resolved.
by Cycle
Tue Nov 05, 2019 5:15 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 135
Views: 18311

Re: Do you invest in Real Estate ? Why ?

I'm just not that interested in leveraging. I don't need to take out loans, so I don't (or I've paid them off anyways). I should probably not be in investment real estate. Leverage is the name of the game
by Cycle
Tue Nov 05, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve - Fees Waived?
Replies: 54
Views: 4951

Re: Chase Sapphire Reserve - Fees Waived?

I will be attempting to get the $75 fee waived on the 2nd card, saying we don't need the 2nd priority pass. I want the 4.25% equivalent value on dining/travel points redeemed for travel. My Uber card is going bye bye.
by Cycle
Tue Nov 05, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: Do you invest in Real Estate ? Why ?
Replies: 135
Views: 18311

Re: Do you invest in Real Estate ? Why ?

With how hot REITs have been, I have officially made a horrible investment DIY landlording. So not worth it for the returns. I burned an entire weekend fixing this and that for a Tennant that just moved in. I hired cleaners, but they neglected to clean the oven and a few other things that led to hou...
by Cycle
Tue Nov 05, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1896

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

I would definitely not allow atv use on my property. The liability and noise are perfectly reasonable rationales
by Cycle
Tue Nov 05, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.
Replies: 29
Views: 1896

Re: Neighbor Wants to Build ATV Trail Through Our Property - How to say no while preserving the peace.

You'll need a bigger lot if u want to live in silence, or move somewhere where cars are banned... But even then you'll be forced to hear children laughing in the street
by Cycle
Sun Nov 03, 2019 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Best card to complement 2% cash back?
Replies: 27
Views: 3630

Re: Best card to complement 2% cash back?

If u redeem Chase Sapphire reserve thru chase for travel, travel/dining is worth 4.25%.

I had Uber for a few weeks and now this regrettable announcement. I was planning on dropping CSR, but will likely keep it. Priority pass is a nice perk.

I also have fidelity at 2%.
by Cycle
Fri Nov 01, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8221

Re: Wallets [Do you carry a wallet?]

Infiniti 270 wallet from Amazon. Probably the best purchase of my life. It's a minimalist wallet. Before I just used a clip on my cards and cash.
by Cycle
Fri Nov 01, 2019 8:58 pm
Forum: Personal Investments
Topic: Reduce oil/coal investments seeing as they are doomed
Replies: 16
Views: 1458

Re: Reduce oil/coal investments seeing as they are doomed

There's a lot more to our oil economy than your exxons or chevron's. 15 million new car sales a year. Trillions in future road/infrastructure maintenance required for sprawl. The easy to get oil is going to be gone soon, so now there are highly leveraged companies using innovative techniques to sque...
by Cycle
Fri Nov 01, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

At least OP should now be reassured that they aren't overthinking
by Cycle
Fri Nov 01, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

This is the most out there comment I have read in a long time. You just said that the vast majority of the world doesn't care about the safety of their child because they allow them to be transported in cars....... wild...... Lot easier to walk somewhere than cure cancer, but what do I know I would...
by Cycle
Fri Nov 01, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

If you care about safety of your child, don't drive (and don't own a pool). After 4 years old, cars are the number one cause of children deaths, before that it's drowning. Or ... make sure your child is always in a properly installed and adjusted car seat, and teach them how to swim. You can never ...
by Cycle
Fri Nov 01, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 2834

Re: Consider the next phase of our travel?

I find it interesting when people from the US think other countries will be less safe than the US. People in Europe avoid the US because the cites are completely unwalkable garbage piles and there are mass shootings every day in the US. They read in their headlines about their tourists getting run ...
by Cycle
Fri Nov 01, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

I think you are perhaps not seeing the big picture? I grew up in a "high walkability" score North American city (Toronto) & I have family in Ottawa. Believe me everybody drives. You get more than 1 mile off the subway system, and you are dependent upon buses which might come twice in an hour, in ci...
by Cycle
Fri Nov 01, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Consider the next phase of our travel?
Replies: 37
Views: 2834

Re: Consider the next phase of our travel?

I find it interesting when people from the US think other countries will be less safe than the US. People in Europe avoid the US because the cites are completely unwalkable garbage piles and there are mass shootings every day in the US. They read in their headlines about their tourists getting run o...
by Cycle
Fri Nov 01, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

If you care about safety of your child, don't drive (and don't own a pool). After 4 years old, cars are the number one cause of children deaths, before that it's drowning. Or ... make sure your child is always in a properly installed and adjusted car seat, and teach them how to swim. You can never ...
by Cycle
Fri Nov 01, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 70363

Re: Why are you NOT buying rental properties?

Let's forget the compound return vs. simple return mumbo jumbo. Bob puts 20,000 + 2 % acq cost into the 100,000 property day 1. Bobs tenants cover all his costs. Sells it 10 years later for x. Fred puts 100,000 into VFINX day 1, reinvests all distributions. Sells it 10 years later for y. Who has mo...
by Cycle
Thu Oct 31, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Tapping Retirement Savings to Purchase a House
Replies: 23
Views: 1804

Re: Tapping Retirement Savings to Purchase a House

Housing is an expense. I cannot fathom paying the per month cost of a 900k home on 150k salary. Especially if I were of an age that is often discriminated against in the workforce. I'd set a budget, then rent/buy something that is below that threshold, even if that means getting something that isnt ...
by Cycle
Wed Oct 30, 2019 1:32 pm
Forum: Personal Investments
Topic: Go BIG or go home... [Sell employer stock?]
Replies: 19
Views: 1572

Re: Go BIG or go home... [Sell employer stock?]

No, just index and ponder more interesting things.
by Cycle
Wed Oct 30, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Goodbye Sheet Music, hello tablet
Replies: 9
Views: 1036

Re: Goodbye Sheet Music, hello tablet

Some good suggestions here if you want to go the tablet route. I'll suggest two low-tech options to consider as well: 1. Get a three-ring binder and a box of sheet protectors (preferably the "no glare" kind). Slip copies of the music you want to play into the sheet protectors. Attach the sheet prot...
by Cycle
Tue Oct 29, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Goodbye Sheet Music, hello tablet
Replies: 9
Views: 1036

Goodbye Sheet Music, hello tablet

I occasionally use a very nice piano at the public library. I always haul half a dozen books there. Some of the pages are falling out of the books. I could just bind the songs I play in a single book. I don't play regularly more than 30 songs. To resolve pages falling out, I could have those books b...
by Cycle
Tue Oct 29, 2019 11:36 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4651

Re: No more Vanguard... wow

We lost vanguard as well to Fidelity for our 401k (also Minnesota). The Target funds in our Fidelity are at .3 er. They were .1 at vanguard.

I now have to match rebalancing to a target fund AA, since I don't want to pay .3 ER.

BHs are good at generating click bait titles
by Cycle
Tue Oct 29, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Gated Community--Balancing Security/Access
Replies: 20
Views: 1351

Re: Gated Community--Balancing Security/Access

Condo development. We have fobs. All entrances have cameras. Guest entrance has a person there 24hrs/day. Guest/food delivery gets buzzed in by phone. Assume people will get in, ie lock everything up (like bikes), don't leave valuables in car. We have had people sneak in the gate behind a car and pi...
by Cycle
Mon Oct 28, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2415

Re: Popeyes Chicken Sandwich [is it a good value]

I'd be curious how it compares to KFCs double down https://pixel.nymag.com/imgs/daily/grub/2014/10/23/23-kfc-double-down.w710.h473.2x.png That image is just....frightening. That said, is it delicious? They only sell it in Korea, unless they've expanded their distribution. The stats on the sandwich ...
by Cycle
Mon Oct 28, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2415

Re: Popeyes Chicken Sandwich [is it a good value]

I'd be curious how it compares to KFCs double down

Image
by Cycle
Mon Oct 28, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4251

Re: Is this new to engineering job hunting?

I had a low gpa in undergrad. Not horrible, not great. I was happy to get a contract job at a big megacorp and was hired full time 6 months later. I then aced a few grad engineering courses and used that plus gre plus experience to help get me into a top engineering graduate program. Worked out fine...
by Cycle
Thu Oct 24, 2019 11:20 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6054

Re: What do Bogleheads think about House Hacking?

Many people owner occupy duplexes here and rent out the other half. Everybody here has basement apartments that they rent out. In fact, of the 4 households on my side of the family that live in this area, we are the only ones that don't (my parents have a separate MIL basement apartment, but my sis...
by Cycle
Wed Oct 23, 2019 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads think about House Hacking?
Replies: 51
Views: 6054

Re: What do Bogleheads think about House Hacking?

Many people owner occupy duplexes here and rent out the other half. I did that for several years, now moving and renting out the whole building. Before that i owned a condo and rented out the spare bedroom. You're just being an on-site landlord, which is easy imo. Definitely better off trying to get...
by Cycle
Sat Oct 19, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: For those who are FI: At what point did you begin to relax?
Replies: 76
Views: 10195

Re: For those who are FI: At what point did you begin to relax?

There are some levers you can pull to reduce your anxiety. Not having rent or any loans. Having multiple income streams would be another. Our rental income or 4% of our assets cover our expenses, so FI, but not fat FI. Just bc I'm FI hasn't changed anything for me work-wise. The negative aspects of ...
by Cycle
Fri Oct 18, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 156
Views: 10021

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

Why did you choose an iPhone? It was unparalleled at the time. I was upgrading from a blackberry How often do you upgrade? Never have Why did you upgrade? Didnt Have you ever used an Android OS based device, and if so, what do you like more about iOS versus that of Android? Yes. Been using it since ...
by Cycle
Tue Oct 15, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

If you care about safety of your child, don't drive (and don't own a pool). After 4 years old, cars are the number one cause of children deaths, before that it's drowning. I rarely drive my infant anywhere since we live in a walkable neighborhood on a car free street. As parents it is your responsi...
by Cycle
Tue Oct 15, 2019 8:50 am
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

If you care about safety of your child, don't drive (and don't own a pool). After 4 years old, cars are the number one cause of children deaths, before that it's drowning. I rarely drive my infant anywhere since we live in a walkable neighborhood on a car free street. As parents it is your responsi...
by Cycle
Tue Oct 15, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Should I actually buy a new car ? (Seat Belt Deployed)
Replies: 45
Views: 3265

Re: Should I actually buy a new car ? (Seat Belt Deployed)

If you care about safety of your child, don't drive (and don't own a pool). After 4 years old, cars are the number one cause of children deaths, before that it's drowning. I rarely drive my infant anywhere since we live in a walkable neighborhood on a car free street. As parents it is your responsib...
by Cycle
Tue Oct 15, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Home appraisal 8% less sq ft than listing
Replies: 42
Views: 2616

Re: Home appraisal square ft less than Seller Listing

I wouldn't sweat it. Not all sqft are created equal. Comps are more based on location, qty of beds/baths, and finish quality. So long as the qty of beds/baths hasn't changed I wouldn't worry. I measure the property during inspection, and have always found my numbers to come up a bit short. I think m...
by Cycle
Sun Oct 13, 2019 9:38 pm
Forum: Personal Consumer Issues
Topic: What workout equipment to get?
Replies: 63
Views: 4738

Re: What workout equipment to get?

Kettle bell. Rings. Pull up bar. Something to do dips on.

Squat is the best exercise, not sure how one would do that at home. Maybe goblet squat with the kettlebell.
by Cycle
Sun Oct 13, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Moto G7 Review after 2 days
Replies: 12
Views: 1973

Re: Moto G7 Review after 2 days

I had a g7 that I got thru Google fi for $199. It bounced out of my backpack on my commute home and whoever picked it up has opted not to contact me. Nice phone. The camera is somewhat lacking but the screen is great. I used it for wifi calling through Google fi. Now I'm using my wife's old phone, t...
by Cycle
Sun Oct 13, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Replace water heater just because it's old?
Replies: 73
Views: 5978

Re: Replace water heater just because it's old?

I had one go last year, it leaked slowly, not a huge deal with where it was. I have another one next to it that i'm sure will go sometime soon. My plumber advised to wait for it to blow, as he has a 25 year old one in his house.
by Cycle
Sun Oct 13, 2019 9:11 am
Forum: Personal Consumer Issues
Topic: Anyone switch from a big phone to a small one?
Replies: 8
Views: 811

Re: Anyone switch from a big phone to a small one?

I went from a 6.2" to a 5.2" screen this past week. Initially, it feels like you are using the worlds smallest phone; however, you get used to it after about 2 days.
by Cycle
Sat Oct 12, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 84
Views: 9953

Re: Refinance Mega Thread

I'm looking to take $170k from a rental property I own outright and occupy. This is to buy another property I plan to live in. I want the mortgage in my rental property, not my personal residence. Investment property loan rates are usually around half a percent higher or so than owner occupant loan...
by Cycle
Sat Oct 12, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7790

Re: Should I sell or keep my 5 year old depreciated Tesla

"My wife on the other hand likes fancy things, but that is out of my circle of control, and I try to also keep it out of my circle of concern." This would indicate a present and future problem - it builds up over time. DW is on board with us saving on the big levers... Cars, housing, school, no mor...
by Cycle
Wed Oct 09, 2019 5:39 pm
Forum: Personal Consumer Issues
Topic: Should I sell or keep my 5 year old depreciated Tesla
Replies: 89
Views: 7790

Re: Should I sell or keep my 5 year old depreciated Tesla

"My wife on the other hand likes fancy things, but that is out of my circle of control, and I try to also keep it out of my circle of concern." This would indicate a present and future problem - it builds up over time. DW is on board with us saving on the big levers... Cars, housing, school, no mor...
by Cycle
Wed Oct 09, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 110
Views: 9560

Re: Do you carry your passport with you during international travel?

Always on me, except when swimming or at a spa.