Search found 194 matches

by wootwoot
Sat Dec 15, 2018 2:53 am
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 101
Views: 4794

Re: Volkswagen Reliability

Had a VW MKIV, it ran great as long as you kept up with the maintenance and it ran circles around the Civic I had prior, better performance, better handling, just a better car overall. Ignore the social justice warrior posts in this thread, their moral high ground arguments have 0 impact on VW relia...
by wootwoot
Thu Dec 13, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Audi S4 vs S3
Replies: 35
Views: 1924

Re: Audi S4 vs S3

Audi S4, no question.
by wootwoot
Wed Dec 12, 2018 8:20 am
Forum: Investing - Theory, News & General
Topic: Is there any market that is not inflated?
Replies: 58
Views: 3594

Re: Is there any market that is not inflated?

rich126 wrote:
Wed Dec 12, 2018 8:07 am
According to the Shiller model, the SP500 PE ratio is currently at 21.5 (http://www.multpl.com/). The problem with buying indexes is that you have to buy the bad as well as the good.
Can you teach me how to buy just the good companies?
by wootwoot
Tue Dec 11, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21689

Re: What percentage of your net worth is your home equity?

My home equity isn't part of my net worth. Why would you count it?
by wootwoot
Sun Dec 09, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 4036

Re: Rental Car Damage Issue

Chase Sapphire Reserve provides primary insurance coverage for free. OP if you used this card from your rental they may be able to help out.
by wootwoot
Sat Dec 08, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6362

Re: Health insurance for FIRE [Financial Independence Retire Early]

Why not work a few extra years? I always thought that the FIRE mentality was all about financial independence but this thread is convincing me otherwise. If you have to rely on subsidized healthcare you're not really financially independent and are only pushing healthcare costs up for others.
by wootwoot
Fri Dec 07, 2018 10:18 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 12005

Re: Why Retirement Is Broken And Needs To Be Reinvented

Retirement isn't broken. We just have a lot of broken people that don't want to save for retirement.
by wootwoot
Thu Dec 06, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 12617

Re: Who else is getting excited?

ge1 wrote:
Thu Dec 06, 2018 9:21 pm
Lots of responses, so it looks like my provocative title hit a nerve.
Provocative no. More like clickbait.
by wootwoot
Sat Dec 01, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: $34k Volt vs $54k Model 3?--help me decide??
Replies: 114
Views: 11746

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

ebotrd wrote:
Thu Oct 25, 2018 3:27 pm
I drove both LR RWD and Performance. They're all like spaceships to me. It's not worth the extra $10-20k to me, but if it might be to you, I think it is a bargain-basement price to own a car that can compete with >$1M super cars.
What >$1M super cars are you comparing to a Tesla model 3?
by wootwoot
Thu Nov 29, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads justify taking vacation?
Replies: 102
Views: 4415

Re: How do Bogleheads justify taking vacation?

OP you should have seen the other thread where bogleheads were taking 2-3 big vacations a year, hard to follow when everyone is so thrifty here. That being said, yes take some time off to get away and relax. Try an all-inclusive in the carribean for something that isn't too spendy. Then use all othe...
by wootwoot
Tue Nov 27, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: Electricity bill should be 7% per month of home sq footage.
Replies: 66
Views: 3906

Re: Electricity bill should be 7% per month of home sq footage.

This is the worst rule of thumb ever. It makes no sense.
by wootwoot
Wed Nov 21, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 727
Views: 108015

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Will be looking hard at the 2019 RAV4. Has port as well as direct injection and no turbo. I'd stay away from all small turbo, direct-injection engines, especially the ones in Hondas. Major engineering screwup. This problem is a honda exclusive. German cars have been using turbos and direct injectio...
by wootwoot
Sun Nov 18, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU offering free $2K in AD&D insurance, does it make sense?
Replies: 7
Views: 770

Re: NFCU offering free $2K in AD&D insurance, does it make sense?

I signed up with NFCU in the last 6 months and had never heard of this benefit. For anyone interested login to NFCU and click through their insurance products, signing up takes just a few minutes. Thank you for the heads up OP!
by wootwoot
Sun Nov 18, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU offering free $2K in AD&D insurance, does it make sense?
Replies: 7
Views: 770

Re: NFCU offering free $2K in AD&D insurance, does it make sense?

I'm also an NFCU member. Where did you see this offer? :D
by wootwoot
Thu Nov 15, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5308

Re: Oops! Edward Jones tops Vanguard in customer survey

delamer wrote:
Tue Nov 13, 2018 7:50 pm
Why care about a 1 point ratings difference in a customer satisfaction survey?

It is not going cause a stampede from Vanguard to EJ.
Agreed, why even repost this article when the difference is so minimal?
by wootwoot
Thu Nov 15, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: PPO or HSA
Replies: 18
Views: 1650

Re: PPO or HSA

l1am wrote:
Wed Nov 14, 2018 9:35 pm
Pranav wrote:
Wed Nov 14, 2018 9:09 pm
What are the monthly or annual premiums?
$0 for me, but the PPO is ~20% more expensive.
20% more expensive of 0 is still 0. Can you provide actual numbers?
by wootwoot
Sun Nov 11, 2018 3:37 pm
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 36
Views: 3889

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

If you drive the typical 12,000 miles a year then in five years your car will have 160,000 miles on it and it could very well still be going strong then but that is at least somewhat optimistic. In five years my Corolla will be hitting 60,000 miles and the powertrain warranty will just be ending. W...
by wootwoot
Wed Nov 07, 2018 9:42 pm
Forum: Investing - Theory, News & General
Topic: 426% return if there is a recession in 2019?
Replies: 23
Views: 4041

Re: 426% return if there is a recession in 2019?

You should start buying SPY puts.
by wootwoot
Sat Nov 03, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Close to the Bull Trap phase of the market cycle
Replies: 32
Views: 2819

Re: Close to the Bull Trap phase of the market cycle

neuroawesom wrote:
Sat Nov 03, 2018 2:44 pm
No, I started investing around 2016. My portfolio is still up. But, I have never seen a bear market so I am thinking carefully about my risk appetite (instead of converting to cash) and how I would react if portfolio went down 20-30%.
Folks, we have a winner.
by wootwoot
Thu Nov 01, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: How much tax loss harvesting is your robo-advisor doing lately?
Replies: 15
Views: 1511

Re: How much tax loss harvesting is your robo-advisor doing lately?

My robo is always looking for TLH opportunities and has taken advantage of these throughout the year. It's great having less than 10k at Wealthfront, no charges but you still get the full robo experience. Do you mind sharing more details? Along the lines of, what stock:bond ratio you hold, and a re...
by wootwoot
Wed Oct 31, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: How much tax loss harvesting is your robo-advisor doing lately?
Replies: 15
Views: 1511

Re: How much tax loss harvesting is your robo-advisor doing lately?

My robo is always looking for TLH opportunities and has taken advantage of these throughout the year. It's great having less than 10k at Wealthfront, no charges but you still get the full robo experience. Do you mind sharing more details? Along the lines of, what stock:bond ratio you hold, and a re...
by wootwoot
Wed Oct 31, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: How much tax loss harvesting is your robo-advisor doing lately?
Replies: 15
Views: 1511

Re: How much tax loss harvesting is your robo-advisor doing lately?

My robo is always looking for TLH opportunities and has taken advantage of these throughout the year. It's great having less than 10k at Wealthfront, no charges but you still get the full robo experience.
by wootwoot
Sun Oct 28, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: For those that think the current selloff is normal
Replies: 25
Views: 5884

Re: For those that think the current selloff is normal

This reads like another market timing thread. There is no investing theory or news here just pure opinion and speculation.

Shut it down!
by wootwoot
Wed Oct 24, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: 401(k) Provider Change - 25 days in cash?!
Replies: 29
Views: 1990

Re: 401(k) Provider Change - 25 days in cash?!

Am I overthinking it? Yes, far too much. It is common to have a lockout period like this when switching a 401k provider at work. I've been through this multiple times myself and was locked out once for a similar time period due to the holidays the transfer fell over. In the end it's less than a mon...
by wootwoot
Mon Oct 22, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25904

Re: PSA: Don't buy a big house

How do you keep your utilities so low? I'd be much more concerned with cooling and heating bills in a home of that size than the cost to change a lightbulb.
by wootwoot
Sun Oct 21, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Robo or Self managed?
Replies: 15
Views: 1567

Re: Robo or Self managed?

Your best bang for the buck if you want to keep using Wealthfront is a target date fund or lazy portfolio for the IRA and using Wealthfront for taxable. That should help keep the Wealthfront fees down assuming you have 10k that isnt charged their fee. M1 finance isn't as good as Wealthfront in that ...
by wootwoot
Sat Oct 20, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Why are Carbon Offset Credits so cheap?
Replies: 61
Views: 3360

Re: Why are Carbon Offset Credits so cheap?

Carbon credits are far too expensive. They should be free.
by wootwoot
Fri Oct 19, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?
Replies: 53
Views: 5094

Re: Give 1 Week Notice: Can Employer Retaliate by Not Paying Vacation?

There is a lot of misinformation in this thread. PTO is different than vacation. Vacation is paid out while PTO is not. There may be slight differences depending on locality but this is how is works in most locales.
by wootwoot
Thu Oct 18, 2018 12:23 am
Forum: Investing - Theory, News & General
Topic: Top stocks of 2000 trail the market over the next 18 years
Replies: 39
Views: 3052

Re: Top stocks of 2000 trail the market over the next 18 years

What point are you trying to make? 2000 was the height of the tech bubble and these companies were decimated afterwards. New contenders stepped in and capitalized on the market over the next 18 years. How did other sectors perform?
by wootwoot
Sun Oct 14, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: $50,000: Should I buy now or wait for the market to drop further?
Replies: 43
Views: 7130

Re: $50,000: Should I buy now or wait for the market to drop further?

lostdog wrote:
Sun Oct 14, 2018 10:03 pm
Time in the market is better than timing the market.
+1
by wootwoot
Sun Oct 14, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Failing Updates With Windows 7 Professional
Replies: 16
Views: 802

Re: Failing Updates With Windows 7 Professional

How is your 4 month old PC running Windows 7? Microsoft stopped selling Windows 7 to OEMs years ago.

https://www.computerworld.com/article/3 ... -oems.html
by wootwoot
Sat Oct 13, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 14081

Re: Warning: avoid Windows 10 update 1803

I'm on 1809, works great!
by wootwoot
Fri Oct 12, 2018 10:45 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5870

Re: Who worries about a bear market in stocks?

MnD wrote:
Fri Oct 12, 2018 10:26 pm
Don't feed the troll.
+1
by wootwoot
Fri Oct 12, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Who worries about a bear market in stocks?
Replies: 71
Views: 5870

Re: Who worries about a bear market in stocks?

You had me at 3 types of investors. Why do you believe this and what makes you think the rest of the forum believes your theories about investors?
by wootwoot
Fri Oct 12, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6735

Re: Market decline in 2019 ?

This is the biggest troll thread ever. The OP won't even return to defend their original post. Throw out baseless speculation and uncertainty then watch the boglehead forum jump all over it.
by wootwoot
Thu Oct 11, 2018 10:46 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5993

Re: Doubling down on EM [Emerging Market]

If it's in a taxable account - I think it might be better to own a total international ETF instead. Reason: China is close to becoming a "developed" country and may exit VWO in the next decade. Depending on how well Vanguard can swap out the China stocks - this might lead to a large capital gain if...
by wootwoot
Tue Oct 09, 2018 10:37 pm
Forum: Investing - Theory, News & General
Topic: Does the Boglehead ever see a unique opportunity for investment?
Replies: 17
Views: 1822

Re: Does the Boglehead ever see a unique opportunity for investment?

Here's a unique investment opportunity. The company I work at is privately held and offers company stock for purchase by employees. They reprice the stock 1 time per year and you can only sell it when you leave the company so it's not liquid by any stretch. The company contractually has to buy back ...
by wootwoot
Mon Oct 08, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6735

Re: Market decline in 2019 ?

Mark2614 wrote:
Mon Oct 08, 2018 10:45 am
Most people believe we are in a bubble and will see a big market decline (anywhere from 20-50%) soon.
Where are these people? Certainly not on this forum.
by wootwoot
Mon Oct 08, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4575

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

AlphaLess wrote:
Sun Oct 07, 2018 7:48 pm
2015 wrote:
Sun Oct 07, 2018 7:45 pm
Join the class action lawsuit when it starts.
What would that achieve?
Free credit monitoring for a year.
by wootwoot
Mon Oct 08, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Biggest bubble in the history of mankind(?) Is it time to sell?
Replies: 40
Views: 3928

Re: Biggest bubble in the history of mankind(?) Is it time to sell?

Ron Paul is calling this the Biggest bubble in the history of mankind and is forecasting a 50% drop in stocks: https://www.cnbc.com/2018/10/05/ron-paul-us-barreling-towards-a-recession-and-theres-no-escape.html Even Jack Bogle suggested to sell 5 or 10% of equities at the Bogleheads conference, and...
by wootwoot
Sun Oct 07, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 13078

Re: What purchase saved you the most money?

Condoms, they saved me from having a baby in college.
by wootwoot
Thu Oct 04, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 5029

Re: Flattening yield curve

On a long enough timeline the survival rate for everyone drops to 0.
by wootwoot
Wed Oct 03, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Tesla Class Action Lawsuit..... Should I Join ?
Replies: 18
Views: 2454

Re: Tesla Class Action Lawsuit..... Should I Join ?

Elon violated SEC rules and illegally pumped the value of his company's stock. Yes, you should join the class action although going forward you are best advised to buy and hold low cost index funds rather than individual stocks.
by wootwoot
Mon Oct 01, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9685

Re: Suze Orman - "I hate the FIRE movement."

With predictions like that I'm surprised she didn't throw out a sales pitch for listeners to buy physical gold, just in case...
by wootwoot
Sun Sep 30, 2018 11:03 pm
Forum: Investing - Theory, News & General
Topic: What kind of irrationality causes investors to accept exorbitant prices for active management?
Replies: 17
Views: 1752

Re: What kind of irrationality causes investors to accept exorbitant prices for active management?

Actively managed funds do their best sales when the market is choppy or down by large amounts. Many investors feel screwed over by their passive investments dropping so much in value and active investors prey on this. They promise that their active options are smarter and would reallocate capital in...