Search found 686 matches

by Cycle
Sun Oct 21, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 11
Views: 851

Re: Should I sell or rent out my bay area house?

If it doesn't cash flow with property management, sell it. No brainier. I'm a small time landlord. Prices in bay area are inflated due to zoning issues creating lack of supply. If this issue is ever resolved, there will be a relief in home prices. In Minneapolis, all the single family home neighborh...
by Cycle
Sat Oct 20, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 32
Views: 1923

Re: Why are Carbon Offset Credits so cheap?

They are cheap because supply far outweighs demand. Utilities are already producing energy from alternative sources. Let’s say 15% of energy is being sourced from alternative sources. If we do nothing, we are all reducing the carbon footprint by 15%. If someone wants to use 100% alternative energy,...
by Cycle
Sat Oct 20, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 32
Views: 1923

Re: Why are Carbon Offset Credits so cheap?

Where are you buying offsets for $3.30/ton per year? This place charges $4.99/1000 lbs per month . https://www.terrapass.com/product/subscription I don't know anything about that site except that it was on the first page of a Google search. How does one know these places are legitimate? Ron I just ...
by Cycle
Sat Oct 20, 2018 9:56 am
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 32
Views: 1923

Why are Carbon Offset Credits so cheap?

I calculated the carbon footprint of my business travel last year at 5t. I didn't think flying was a huge carbon contributor, but I was surprised to learn it was my biggest category. I was curious what it would take to offset some of my transportation carbon. 1) switch to a job near home -> save 1.3...
by Cycle
Fri Oct 19, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3709

Re: Should we downgrade our house?

Cycle, I would suggest that you read "The Millionaire Next Door" (TMND) and "The Next Millionaire Next Door". I read tmnd in highschool, became tmnd in my early 30s and live in a 150k duplex unit next door to government housing. I own the building outright. 65-70% net saver. Moving to a better scho...
by Cycle
Fri Oct 19, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3709

Re: Should we downgrade our house?

I'd be curious if there have been any studies that show rich kids who go to low-scoring schools are more likely to be low-scoring students. https://www.washingtonpost.com/news/answer-sheet/wp/2018/07/26/no-private-schools-arent-better-at-educating-kids-than-public-schools-why-this-new-study-matters/...
by Cycle
Fri Oct 19, 2018 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3709

Re: Should we downgrade our house?

Atlanta is land of the automobile. If there is a walkable/bikeable neighborhood I'd definitely live there and pay for the liveability. It ends up being a time trade-off and moral trade-off wrt carbon footprint. Certain neighborhoods in Atlanta are walkable, but you would still always need the car t...
by Cycle
Thu Oct 18, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3709

Re: Should we downgrade our house?

Atlanta is land of the automobile. If there is a walkable/bikeable neighborhood I'd definitely live there and pay for the liveability. It ends up being a time trade-off and moral trade-off wrt carbon footprint.
by Cycle
Wed Oct 17, 2018 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 93
Views: 10041

Re: What do you consider 'enough'?

I could make 100k work, but I think 20mm per year would be enough. I could save and retire after a few months.
by Cycle
Wed Oct 17, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Denied credit card with great credit
Replies: 17
Views: 1631

Re: Denied credit card with great credit

both my wife and i are locked out of chase cards, 5x24 rule.
by Cycle
Wed Oct 17, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1254

Re: your favorite ereader?

I read on my phone. I use the Libby app for library books and kindle app for others. I use the RB digital app for library magazines, like the economist. I minimize personal electronic devices to avoid having to own lots of devices that need upgrading / disposal every four years or so. I had a paperw...
by Cycle
Wed Oct 17, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Reasonable cost for a forever home?
Replies: 25
Views: 2833

Re: Reasonable cost for a forever home?

The wise thing to do is buy or rent for your current needs. If you get a forever home for when you have kids, you will be unsatisfied when they are out of the house and you are wasting space with empty rooms.
by Cycle
Tue Oct 16, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1771

Re: Sneakers with good arch support

I'm going to buck the trend and say to retrain your body to get used to a natural footstrike. I was a candidate for a knee reconstruction after playing football for 20 years. I started doing my own research when the barefoot movement was new (some 12 years ago) and have been running/powerlifting/mo...
by Cycle
Tue Oct 16, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2732

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

I'm not sure if I should do lump sum payout or spread it out. Probably lump sum, so I can have a good buffer in my emergency fund.
by Cycle
Tue Oct 16, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: advice on first home
Replies: 28
Views: 1608

Re: advice on first home

Don't touch your 401k. Realtors will always try and put u in the biggest house u can get a loan for. They are not on your side. Only you are on your side. Same thing with mortgage brokers. I remember my realtor trying to tell me I was missing out by getting a condo when I was 24 instead of a big hom...
by Cycle
Tue Oct 16, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2344

Re: How do you buy a mattress ?

Craigslist often has ones that have only been used a few times in someone's spare bedroom. Sometimes even new. Setup an email alert. Mattresses have little to do with sleep. An argument can be made they actually are an inhibitor of restful sleep, ie sleeping on the floor would give you better sleep ...
by Cycle
Mon Oct 15, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2651

Re: trip to Grand Cayman & dieting

Your body has what it needs to go days without eating. I ran a marathon the other day fasted, no lack of energy during that. Your body must work differently than mine. After running a marathon, I was told I acted like a seriously intoxicated person before I ate something. My blood sugar was through...
by Cycle
Mon Oct 15, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2651

Re: trip to Grand Cayman & dieting

Skipping meals is often easier than just restricting portions, I've found. So you would just order a drink for breakfast/lunch and then eat like a king for dinner. I do this 5 days a week, been doing it for a year. The previous year was the same, but a tin of sardines and an avocado for lunch. It's...
by Cycle
Sun Oct 14, 2018 8:18 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2651

Re: trip to Grand Cayman & dieting

Skipping meals is often easier than just restricting portions, I've found. So you would just order a drink for breakfast/lunch and then eat like a king for dinner. I do this 5 days a week, been doing it for a year. The previous year was the same, but a tin of sardines and an avocado for lunch. It's ...
by Cycle
Sun Oct 14, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 88
Views: 7842

Re: $34k Volt vs $54k Model 3?--help me decide??

can't go wrong with fully electric.

if u think you would be a waymo customer, might want to wait to see how their rollout in phoenix goes the next few months.
by Cycle
Sat Oct 13, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5371

Re: Visiting Parents

. Myamar, If the condo is big enough now except when your parents visit, why not put them up in nice nearby hotel to avoid crowding everyone during their visits. At least until something larger works for you. +1 +1 Stay in the neighborhood, rule out that miserable commute it wouldn't be sustainable...
by Cycle
Sat Oct 13, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9607

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I would consider continuing to be a landlord which net expenses is about 1000 per month.

We just bought some radiator covers which were made by a retiree.
by Cycle
Fri Oct 12, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4701

Re: Keep a backup hot water heater?

fortfun wrote:
Wed Oct 10, 2018 7:14 pm
Teague wrote:
Wed Oct 10, 2018 7:13 pm
A cold water shower now and then builds character.
I agree but I'm afraid my wife and daughter might disagree :)
Katherine Hepburn took cold showers

Btw definitely wait till it blows. No big deal. Ours blew this summer and we were blessed with cold showers for a few days, it was glorious.
by Cycle
Fri Oct 12, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7130

Re: My life saved by New subaru. Almost died.

The Subaru also nearly killed you... Like this wouldn't have happened if you weren't driving. It's a dangerous activity. Always be prepared to stop, sounds like you were going too fast for the hill.
by Cycle
Fri Oct 12, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1758

Re: Downtown Condo Living w/ Kids

It sounds like you want to try living downtown, so why not? Like you said, you can rent -- this isn't a long-term commitment. It would be a one year commitment if we lease. We could just rent out our current unit, and if we changed our mind move back when our lease expires. We own both units in our...
by Cycle
Thu Oct 11, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1758

Re: Downtown Condo Living w/ Kids

Carson wrote:
Thu Oct 11, 2018 3:52 pm
Do you think you would mind sharing what specific city you are considering?
Minneapolis
by Cycle
Thu Oct 11, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1758

Re: Downtown Condo Living w/ Kids

Basically, my opinion is that having one infant isn't too different from having no kids at all. I once heard someone refer to infants as being in the "potted plant" stage. We would like to be flexible, so if we we're renting (which financially makes the most sense due to hoa's) we could always adju...
by Cycle
Thu Oct 11, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1758

Re: Downtown Condo Living w/ Kids

What are the schools like where you are and in the city? In my state, many city schools are rated by how many stabbings they have per week (ok, exaggeration) while suburbs are rated by the percentage of students going to Ivys because they get 100% graduation and people going to college. Currently w...
by Cycle
Thu Oct 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Downtown Condo Living w/ Kids
Replies: 15
Views: 1758

Downtown Condo Living w/ Kids

As a soon to be new father, I'm seeking advice from those with experience living in a condo/apartment downtown with kids. We're considering moving to downtown Minneapolis to simplify life. I'm curious if there are any negatives or positives I'm missing. Comments on getting over sunk-renovation costs...
by Cycle
Thu Oct 11, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5700

Re: Anyone done a Hair Transplant?

Who cares, stop comparing yourself to others. Divert that energy and money into eating healthy / staying fit. In my experience you cannot purchase fitness or health. But you can purchase hair. paleo diet with high quality ingredients will cost much more than the standard american diet (SAD), even i...
by Cycle
Thu Oct 11, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5700

Re: Anyone done a Hair Transplant?

Who cares, stop comparing yourself to others. Divert that energy and money into eating healthy / staying fit.
by Cycle
Wed Oct 10, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5889

Re: Black Friday is coming.. what's on your list?

Momus wrote:
Wed Oct 10, 2018 5:56 pm
Might pick up a camera for a YouTube channel as a side hobby. Getting bored with 2 days off a week.
You think weekends should be shorter? I'd think 3 day weekends would be a step in the right direction.
by Cycle
Wed Oct 10, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5889

Re: Black Friday is coming.. what's on your list?

a turkey. don't need anything.

i'll be looking at republic wireless in case they offer 6 months free, as we've done that once before... then switched right back to Project Fi.
by Cycle
Wed Oct 10, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7511

Re: What did you buy today

every wednesday its VTIAX and every friday its VTSAX. So looks like VTIAX!

headline should be changed to:
"Hey fellow market timers! what did you buy today?"
by Cycle
Wed Oct 10, 2018 12:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Jack Bogle Bobblehead
Replies: 24
Views: 2885

Re: Jack Bogle Bobblehead

To me it would be a useless chachky destined for a landfill, so tally a no for me.
by Cycle
Mon Oct 08, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2782

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

I feel euphoric about the market, I think it's going to keep rising for the foreseeable future and now is the best time to put your money into the market per your AA. You can't lose, the market has tremendous gains just ahead. The party is never going to end! I think that post is our "sell signal."...
by Cycle
Mon Oct 08, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2782

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

I feel euphoric about the market, I think it's going to keep rising for the foreseeable future and now is the best time to put your money into the market per your AA. You can't lose, the market has tremendous gains just ahead. The party is never going to end!
by Cycle
Mon Oct 08, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 11040

Re: Talk me out of buying a Tesla Model 3

Seems like a lot of money to be spending on a personal vehicle. I'd divert that money to retirement savings. Self driving fleets are coming very soon.
by Cycle
Sat Oct 06, 2018 3:19 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4485

Re: Should I, and how, act on changes in managing diet and health?

Food manufacturers are absolutely aquiring start ups that cater to the Paleo crowd. Aside from being an angel investor or startup employee, I don't know how you would capitalize on that. Also, it's a tough business to be successful in, when using good ingredients your cost may be unattainable by mos...
by Cycle
Sat Oct 06, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4485

Re: Should I, and how, act on changes in managing diet and health?

OP, you and I are on the same diet. I also eat just one meal a day (weekdays).

Look at the garbage people get in line at the grocery store. Look at the average weight of Americans. There is an insatiable demand for junk food in the us. That won't change anytime soon.
by Cycle
Fri Oct 05, 2018 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage or liquidate securities?
Replies: 11
Views: 774

Re: Mortgage or liquidate securities?

That's pretty inexpensive, just make sure you know how much repairs will run you. I bought and live in a duplex in Minneapolis I purchased for $190k (our half 95k), and this enables a high savings rate for us. Paid off the mortgage after two years in the property. We get free white noise (busy stree...
by Cycle
Fri Oct 05, 2018 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mr. Money Mustache is the BOMB!
Replies: 32
Views: 5207

Re: Mr. Money Mustache is the BOMB!

I agree that Suze may take it too far, and it can be self-defeating to worry about every single possible problem, but a run every morning and meditation isn't going to help if an emergency comes up, and you don't have the money to pay for it. I'd recommend listening to the podcast of the Suze Orman...
by Cycle
Wed Oct 03, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13398

Re: Correlation between the FIRE movement and one of the greatest bull markets

No, blogs are just a bigger deal these days. People consume more internet than they used to, withe lte and touchscreen phones. There's more access to information, so folks with decent income are getting wiser with their money and realizing retirement is a number not an age. FIRE-ing at a 2% SAWR isn...
by Cycle
Wed Oct 03, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 11758

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

Welcome to home ownership, the first of many things that will need replacing.
by Cycle
Tue Oct 02, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Root of Good's cost of raising a child: $3,300 per year
Replies: 163
Views: 5384

Re: Root of Good's cost of raising a child: $3,300 per year

These numbers look right to me. I always wondered what parents were talking about when they say it costs them 250k+ to raise a child, really? If you do it the smart way, 1500-4000 per year is a fair number. $1500 (daycare) * 4 infants / caregiver= $6000 caregiver revenue. Caregiver wage = $6000 / (...
by Cycle
Sun Sep 30, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 68
Views: 13192

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I wonder if 1 million in 1996 is perhaps much more than 2 million today in actual buying power? I've noticed hiring anything requiring labor seems to be ridiculously expensive these days. Snow removal, cleaning maids (for apartment turnover), day care, misc house repairs are ridiculously expensive....
by Cycle
Sun Sep 30, 2018 9:54 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 68
Views: 13192

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

I wonder what is equivalent to a millionaire these days. Per a CPI calculator, $1MM in 1996 (original publication date) is now $1.63MM. Add on top of that a paid off house, and you're closer to $2MM for NW. The original book seemed to stress the importance of owning your own business, but I would th...
by Cycle
Sat Sep 29, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4434

Re: Experience With No Car? (Uber/Lyft)

I would sell the car, worst case you can buy another one after a trial period. One can pick up an older honda accord for 4-5k off craigslist. Not a big deal.