Search found 207 matches

by bstewie
Fri May 14, 2021 1:47 am
Forum: Personal Consumer Issues
Topic: Best time to buy tires
Replies: 32
Views: 1870

Re: Best time to buy tires

my tires are never (rarely) on sale, i buy them when i need them (every 10-20k miles depending on wear and freeway travel during those miles). i just quote all the local places when i need them and take the cheapest, usually splitting hairs over $10-20
by bstewie
Thu Apr 22, 2021 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons for Permanent WFH Roles/Jobs
Replies: 16
Views: 2015

Re: Pros/Cons for Permanent WFH Roles/Jobs

OP, really depends on how important leadership is to you . Agree you will need to be more available onsite for certain roles. I am very happy as a core contributor and have been WFH long before the pandemic. Second class citizenship occurs more easily when WFH, but if you are actively engaging cowo...
by bstewie
Wed Apr 21, 2021 2:57 am
Forum: Personal Finance (Not Investing)
Topic: Pros/Cons for Permanent WFH Roles/Jobs
Replies: 16
Views: 2015

Re: Pros/Cons for Permanent WFH Roles/Jobs

OP, really depends on how important leadership is to you. Agree you will need to be more available onsite for certain roles. I am very happy as a core contributor and have been WFH long before the pandemic. Second class citizenship occurs more easily when WFH, but if you are actively engaging cowork...
by bstewie
Sat Apr 17, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: Protective Coating on New Subaru?
Replies: 18
Views: 1525

Re: Protective Coating on New Subaru?

im a fan of ceramic coatings, but i would definitely not pay the dealer for the application. find a professional detailer who specializes in ceramic. it will cost the same or a little more than the dealer quoted you but the quality of work will be significantly better. you can certainly get ceramic ...
by bstewie
Fri Apr 16, 2021 4:10 am
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5611

Re: can I get boglehead approval for a 70K truck?

if you lost more than half your portfolio in 3m while the market has gone up, you probably need to stop gambling a lot more than you want a truck. was gambling with some spacs, started at 500K, got up to 1.8 mill, went back down to 750K. still went up like 50ish %? cant complain, but was up 200-300...
by bstewie
Fri Apr 16, 2021 3:57 am
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5611

Re: can I get boglehead approval for a 70K truck?

if you lost more than half your portfolio in 3m while the market has gone up, you probably need to stop gambling a lot more than you want a truck. was gambling with some spacs, started at 500K, got up to 1.8 mill, went back down to 750K. still went up like 50ish %? cant complain, but was up 200-300...
by bstewie
Fri Apr 16, 2021 3:51 am
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5611

Re: can I get boglehead approval for a 70K truck?

if you lost more than half your portfolio in 3m while the market has gone up, you probably need to stop gambling a lot more than you want a truck.
by bstewie
Thu Apr 15, 2021 11:00 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

What type of car? More often than not the dealers have no interest in your car. They are interested in you trading that car and buying something new. I got multiple notifications that the dealer wanted my 2006 Ford Escape! It was popular and they needed it it for a customer! Funny enough it’s a For...
by bstewie
Thu Apr 15, 2021 10:30 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

Dealers will tell you that they really want your car, as a way of getting you in the door and starting to think about a different car. They are hoping by the time they disappoint you with their trade-in offer, you've already started to visualize yourself in something new. I'm not saying it doesn't ...
by bstewie
Thu Apr 15, 2021 10:23 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

Dealers will tell you that they really want your car, as a way of getting you in the door and starting to think about a different car. They are hoping by the time they disappoint you with their trade-in offer, you've already started to visualize yourself in something new. I'm not saying it doesn't ...
by bstewie
Thu Apr 15, 2021 10:18 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

I bought a cute little 3 yr old VW GTI with 22K mi. 2.5 years (and one pandemic spent in a garage) later, it still only had 37K mi. I took it in for an oil change. When I picked it up, they left an offer on the windshield to buy it for more than I paid for it. Perhaps it’s a ripple effect of the pa...
by bstewie
Thu Apr 15, 2021 10:17 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

hi_there wrote: Thu Apr 15, 2021 10:13 pm What is the typical dealer listing price for comparable cars?
I would estimate 25% more than I paid but I’m not actively keeping track
by bstewie
Thu Apr 15, 2021 10:12 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

Carson wrote: Thu Apr 15, 2021 10:11 pm Is there any chance that renting a car as needed may be a way to get what you need done and hold on to the car you like?
Yes, ive actually done this a small number of times over the past few years.
by bstewie
Thu Apr 15, 2021 10:10 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

If the dealer will give you a 20% markup, what is it going for in the private party market? Also, used car prices are high right now, so before selling definitely consider how much it will cost you to replace it. I haven’t checked private party. I’m definitely not actively sitting on the fence abou...
by bstewie
Thu Apr 15, 2021 10:08 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

What type of car? More often than not the dealers have no interest in your car. They are interested in you trading that car and buying something new. I got multiple notifications that the dealer wanted my 2006 Ford Escape! It was popular and they needed it it for a customer! Funny enough it’s a For...
by bstewie
Thu Apr 15, 2021 9:18 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

I'd question how much of it is due to your particular car versus the generally sky-high prices in the used car market these days. For example, my car (which is not rare at all), has appreciated by about $3k in the past year, which has probably never happened in that model's entire history and will ...
by bstewie
Thu Apr 15, 2021 9:17 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

What type of car? More often than not the dealers have no interest in your car. They are interested in you trading that car and buying something new. I got multiple notifications that the dealer wanted my 2006 Ford Escape! It was popular and they needed it it for a customer! Funny enough it’s a For...
by bstewie
Thu Apr 15, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

local dealers offering to buy car for more than you paid?

Haphazardly I bought a used car I liked a few years ago. Unlike most other cars, it has appreciated. It is a modern car that had limited production (low tens of thousands of units I believe) and is now a discontinued model. I love the car, but have thought of changing to a more practical daily drive...
by bstewie
Thu Apr 15, 2021 4:26 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?
Replies: 79
Views: 7313

Re: Does it make sense that a car dealer needs to do a hard pull if you pay in full by check (cash)?

Would you let someone you don’t know drive off with your car for an uncashed check as collateral? They’re doing their due diligence. Cash doesn’t bounce, checks do.
by bstewie
Tue Apr 13, 2021 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Home in SoCal
Replies: 146
Views: 12768

Re: Buying a Home in SoCal

sell the rental, add the proceeds to your down payment. reduce your price target. there are *plenty* of beautiful homes in sd county for 1M.
by bstewie
Mon Apr 12, 2021 9:02 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 595
Views: 56560

Re: What’s your age, AA and #?

31, 90/10, nowhere near goal but on track. when i was younger i took a non-trivial sum of my assets and tried to start a business which did not succeed. my goal is $4m.
by bstewie
Mon Apr 12, 2021 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFi refinance experience -- not so good
Replies: 22
Views: 1499

Re: LenderFi refinance experience -- not so good

that’s unfortunate to hear, i had a great experience with them +1. The online pre-app quote was higher than what I was ultimately offered. Appraisal was waived, initial app to closing only 3 weeks. Closed on time, funded on time. No issues. I would have used them to refi again if rates had gone dow...
by bstewie
Mon Apr 12, 2021 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: LenderFi refinance experience -- not so good
Replies: 22
Views: 1499

Re: LenderFi refinance experience -- not so good

that’s unfortunate to hear, i had a great experience with them
by bstewie
Sun Apr 11, 2021 9:10 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1035

Re: transfer betterment to vanguard?

placeholder wrote: Sun Apr 11, 2021 6:21 pm Why Vanguard in particular?
they do everything i need them to do
by bstewie
Sun Apr 11, 2021 3:53 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1035

Re: transfer betterment to vanguard?

...Lessons learned:... 2. don't "experiment" with relatively new brokers i.e. Betterment, who do not have a proven business model (hence their periodic increases in fees). +1 With the rapid development of financial technologies we see a lot of start-ups offering very innovative services a...
by bstewie
Sun Apr 11, 2021 2:24 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1035

Re: transfer betterment to vanguard?

I transferred my account. VG made a complete mess of the cost basis and it took months for them to fix it. how did you go about documenting this for vanguard? i have a ton of small lots at betterment and it seems like im going to have to sift through all their PDFs and itemize by hand :| I contacte...
by bstewie
Sun Apr 11, 2021 1:30 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1035

Re: transfer betterment to vanguard?

Freefun wrote: Sat Apr 10, 2021 4:15 pm I transferred my account. VG made a complete mess of the cost basis and it took months for them to fix it.
how did you go about documenting this for vanguard? i have a ton of small lots at betterment and it seems like im going to have to sift through all their PDFs and itemize by hand :|
by bstewie
Sat Apr 10, 2021 2:36 pm
Forum: Personal Investments
Topic: transfer betterment to vanguard?
Replies: 11
Views: 1035

transfer betterment to vanguard?

has anyone gone through the exercise of transferring taxable and tax advantaged assets from betterment to vanguard? i started off with an account here years ago and have let it sit, but i would like to move it to vanguard. they’ve made such a mess of the portfolio trying to be clever about tax loss ...
by bstewie
Fri Mar 19, 2021 1:40 am
Forum: Personal Consumer Issues
Topic: Does a cheap road bike really exist?
Replies: 171
Views: 12371

Re: Does a cheap road bike really exist?

if you’re going to ride with regularity i would spend into the 2k-3k range as others have mentioned (more bang for the buck). when i started off riding i went for a cheap road bike ($400), eventually upgraded ($1200), and later upgraded again ($3000). i wish i would have just purchased the $3000 bik...
by bstewie
Wed Jan 27, 2021 5:20 am
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4587
Views: 235113

Re: GameStop GME: anyone joining?

BHs could probably pull a similar stunt --- especially if we were to team with WSBs and actually analyze the underlying companies, their books, and all the data under it. Except we have many here that blindly believe it's a fool's errand to a fault. We'll have the same people blindly spamming quote...
by bstewie
Tue Aug 11, 2020 1:48 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2807

Re: New refrigerator

I respectfully disagree with several posters saying that Bosch is good appliance product. I could NOT disagree more. For a kitchen remodel, we purchased all Bosch appliances 7 years ago. In first 18 months the frig failed compressor, major coil coolant leak, and ice maker. Thank god, I purchased an...
by bstewie
Sat Aug 08, 2020 7:28 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2807

Re: New refrigerator

I too would recommend a Bosch. Depending on sales / pricing it may be slightly more than $2500 but the build quality is better than most competitors in that price range.
by bstewie
Sun Jun 28, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

Which boat make and model and what dollars have your expended to come up with your rule of thumbs? Call it ~36’-42’ liveaboards - including slip fees - that are 15+yr old. More than moderate use by recreational standards (500+ h/yr) PS - we are derailing from OP but I am happy to continue to explai...
by bstewie
Sun Jun 28, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

We have owned numerous used boats sometimes more than one at a time for over 25 years - not even close to 20% maintenance on any of them. Typically under 10% or less ...a few of them were twice the size that the OP is contemplating buying. I do not know which boats you have owned or how many but pe...
by bstewie
Sun Jun 28, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

A slip is NOT part of maintenance. Do you count property tax as maintenance on your house?? if i consider the slip a requirement for proper enjoyment in use of the boat, it’s a maintenance / operating cost see above where i specifically stated we probably have differing opinions of what is consider...
by bstewie
Sun Jun 28, 2020 6:50 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

We have owned numerous used boats sometimes more than one at a time for over 25 years - not even close to 20% maintenance on any of them. Typically under 10% or less ...a few of them were twice the size that the OP is contemplating buying. I do not know which boats you have owned or how many but pe...
by bstewie
Sun Jun 28, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

We have had many larger boats and none of them were near 50% - not even near 20%. Please keep me away from your friends. Our definitions of maintenance are probably quite far apart. 50% incident was a driveshaft failure. We have owned numerous used boats sometimes more than one at a time for over 2...
by bstewie
Sun Jun 28, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

We have had many larger boats and none of them were near 50% - not even near 20%. Please keep me away from your friends. Our definitions of maintenance are probably quite far apart. 50% incident was a driveshaft failure. We have owned numerous used boats sometimes more than one at a time for over 2...
by bstewie
Sun Jun 28, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

I've had boats and they don't need 20-25% annually for maintenance unless you base it on current value after many years. Even after mine sank, which isn't the greatest thing for engines and electronics, it didn't need 20% for maintenance. Clarified above, accounting for slip fees as well. Not sure ...
by bstewie
Sun Jun 28, 2020 6:20 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

Make the purchase contingent on a 0% loan from the current owner (or dealer) for 24 months ($1,000 a month) with the right to return the boat (for any/no reason in the same condition it was at purchase) at any time during the loan with the balance of the loan canceled. Make payments from current in...
by bstewie
Sun Jun 28, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

So you're asking, can I afford it? I think even Suze Orman would say, you go guy, go get your boat. Just remember, it's very easy to buy a boat, you're in the winning negotiation position here. Selling a boat flat out sucks, it truly is the best day of one's life when you don't want one (or that on...
by bstewie
Sun Jun 28, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

...Purchase Price: 24k How should I buy the boat? a. Use the cash in emergency fund, replenish through income? b. Put down 9k from emergency fund take out 36 month loan at 5% for 15,000k? c. Sell taxable investments and pay with cash? d. A method I'm not thinking of?... Make the purchase contingent...
by bstewie
Sun Jun 28, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

...Purchase Price: 24k How should I buy the boat? a. Use the cash in emergency fund, replenish through income? b. Put down 9k from emergency fund take out 36 month loan at 5% for 15,000k? c. Sell taxable investments and pay with cash? d. A method I'm not thinking of?... Make the purchase contingent...
by bstewie
Sun Jun 28, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

OP, make sure to save approx 20-25% of the value of the boat annually for maintenance. Boats need their own EF. That's absolutely ridiculous. Maybe on a $4K boat, but certainly not on a $200K and I doubt on a $25K boat like the one the OP is considering. He can certainly afford the cost and ongoing...
by bstewie
Sun Jun 28, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

OP, make sure to save approx 20-25% of the value of the boat annually for maintenance. Boats need their own EF. That's absolutely ridiculous. Maybe on a $4K boat, but certainly not on a $200K and I doubt on a $25K boat like the one the OP is considering. He can certainly afford the cost and ongoing...
by bstewie
Sun Jun 28, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: I'm Buying a Boat...
Replies: 112
Views: 7888

Re: I'm Buying a Boat...

...Purchase Price: 24k How should I buy the boat? a. Use the cash in emergency fund, replenish through income? b. Put down 9k from emergency fund take out 36 month loan at 5% for 15,000k? c. Sell taxable investments and pay with cash? d. A method I'm not thinking of?... Make the purchase contingent...
by bstewie
Fri Jun 26, 2020 4:45 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Input...
Replies: 27
Views: 1837

Re: Refrigerator Input...

There's a good (I hope) ending to my LG refrigerator story. I got a great tech (local business, dispatched by Sears), to look at it a few days ago. He instantly identified the problem as a broken sensor that was causing defrosting to malfunction, causing ice to buildup in the freezer, and water lea...
by bstewie
Fri Jun 12, 2020 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: home improvement vs investment?
Replies: 25
Views: 1183

Re: home improvement vs investment?

In the homes we have had changing the flooring makes the biggest difference. Going from carpet or vinyl to an engineered woodmade the house look completely different (bigger). The kitchen can also make a big difference. You have your EF and retirement handled, no reason not to upgrade if that is ho...