Search found 674 matches

by Cycle
Tue Oct 16, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 25
Views: 1118

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: 2494

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: 15
Views: 587

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: 2264

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: 2523

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: 2523

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: 2523

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: 57
Views: 5578

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: 5323

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: 9520

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: 4651

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: 7087

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: 1728

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: 1728

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: 1728

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: 1728

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: 1728

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: 75
Views: 5072

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: 75
Views: 5072

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: 5820

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: 5820

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: 7461

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: 2856

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: 2770

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: 2770

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: 185
Views: 10043

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: 4468

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: 4468

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: 771

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: 5192

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: 13023

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: 11730

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: 5352

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: 65
Views: 12546

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: 65
Views: 12546

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: 4428

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.
by Cycle
Sat Sep 29, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Experience With No Car? (Uber/Lyft)
Replies: 47
Views: 4428

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

I wish we could go to one car - but DW and I having one car would lead to conflicts in "personality". We have one car and we have multiple friends who are 1 car couples. If you think your life would be simpler with one car, just go for it. Come on in, the water is fine. I think my wife enjoys when ...
by Cycle
Fri Sep 28, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1927

Re: cell phone plans--google fi?

Republic wireless is cheaper than Project Fi. They used to have a wifi only plan that was rediculously cheap. They don't have great coverage tho. They often have promotions for deals on phones / their service. Especially between black Friday and the new year. To your point on the pixel, yes they usu...
by Cycle
Fri Sep 28, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1927

Re: cell phone plans--google fi?

I'm on project fi. It's relatively inexpensive and you can use it internationally without extra charges. I don't recall ever dropping a call. They have good phone specials from time to time. I got a Moto x4 for $250. They also gave a $250 credit split over 6months if you bought a 2nd one, which we d...
by Cycle
Fri Sep 28, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10618

Re: SEC charges Musk with Fraud!!!

Everyone loves to watch a falling star
by Cycle
Fri Sep 28, 2018 7:50 am
Forum: Personal Consumer Issues
Topic: 2018 Ford Edge
Replies: 31
Views: 2358

Re: 2018 Ford Edge

I'm 6'2" and we have a crv. It's great, but the Ford edge at 22k sounds pretty good price and if I were buying new I'd go with the edge.

When is waymo rolling out in Chicago? We have a 2012 crv, which is the last vehicle we will own... Baring any accidents in the next few years.
by Cycle
Thu Sep 27, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 620
Views: 75867

Re: How much money do you want to retire?

35. 4MM in todays dollars, which will likely be 5MM 10-15 years from now when I hopefully will have reached that goal.

I need less than I already have, using 4% SAWR.
by Cycle
Wed Sep 26, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2057

Re: Acoustic Pianos

One can set up an alert in Craigslist to email you when your desired model shows up. I'm not a fan of the sterile sound and feel from a new piano, I've got a digital Yamaha p-80 for that. I like to quantity the cost of my piano. If I move every 5 years, that's $60 per year for the move plus $50 per ...
by Cycle
Wed Sep 26, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 42
Views: 2057

Re: Acoustic Pianos

Used is the way to go if you know what you are looking for. If you don't, then you probably shouldn't be buying a piano... And new used pianos are readily available in Craigslist for a couple k. I got my 1920s studio upright for free and wouldn't trade it for a fazioli. I agree a good resource on pi...
by Cycle
Wed Sep 26, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Exactly how do index funds work?
Replies: 15
Views: 1821

Re: Exactly how do index funds work?

An index mutual fund needs to trade in order to meet redemptions or in order to invest new money. An ETF generally does not even need to do that. An authorized participant buys the relevant securities and exchanges them for shares of an ETF, and the ETF can shed appreciated securities to an authori...
by Cycle
Tue Sep 25, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25164

Re: What is your single most expensive mistake?

What do you mean by saying your earnings are "capped"? Spending 6 years getting a PhD. My earnings now are essentially capped. At my megacorp, the technical individual contributor route for an engineer plateaus at some point. The pay is pretty good, but it's nowhere near what a director or VP would...
by Cycle
Tue Sep 25, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 80
Views: 8664

Re: Minimalist Lifestyle

3) As a Boglehead, I do a lot of work on my own vehicles and home. Am I to do so without tools? 4) As a Boglehead, we cook the vast majority of our family's meals at home. Am I to do so without cookware? I'm not sure any of these characteristics are 'Boglehead.' I tend to view the boglehead way as ...
by Cycle
Tue Sep 25, 2018 9:08 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8972

Re: Losing Passion for Hobbies. Cheap or normal aging?

You're just prioritizing what is truly important to you. Becoming wise. I also no longer find as much joy in the competitive races. Ive done many Ironmans and marathons. I know it's the training I enjoy the most, so I only do 1 organized xc ski and 1 trail run race a year. I exercise 6-7 days a week...