Search found 150 matches

by bstewie
Mon Sep 02, 2019 4:41 pm
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1695

Re: New car delivery - what to check?

Dealer installed swirls, I would refuse to take delivery if they went above and beyond damaging the clear in transport or prepping it at the dealer.
by bstewie
Sun Sep 01, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6668

Re: How to help niece improve her driving

OP, does she want to be a better driver? I won’t get in a vehicle with 99% of the people I know, regardless of age. Most whimsical drivers forget they are in charge of a 2 ton weapon. While more expensive, I would recommend she take a road course with an instructor. Understanding what even a modest...
by bstewie
Sun Sep 01, 2019 10:43 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6668

Re: How to help niece improve her driving

OP, does she want to be a better driver? I won’t get in a vehicle with 99% of the people I know, regardless of age. Most whimsical drivers forget they are in charge of a 2 ton weapon. While more expensive, I would recommend she take a road course with an instructor. Understanding what even a modest ...
by bstewie
Tue Aug 27, 2019 9:20 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10509

Re: Coffee becomes cold too soon

OP, I too am particular about my coffee temperature. What I have found works best is to use a regular old coffee maker with a hot plate and to simply top the 1/3 off when it’s no longer to my liking. If my work environment wasn’t conducive, I would buy a cheap hot plate for a cup. These $100 coffee...
by bstewie
Tue Aug 27, 2019 1:39 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 119
Views: 10509

Re: Coffee becomes cold too soon

OP, I too am particular about my coffee temperature. What I have found works best is to use a regular old coffee maker with a hot plate and to simply top the 1/3 off when it’s no longer to my liking. If my work environment wasn’t conducive, I would buy a cheap hot plate for a cup. These $100 coffee ...
by bstewie
Tue Aug 20, 2019 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: 91% of retirees are happy, regardless of financial insecurity. -Forbes
Replies: 9
Views: 1967

Re: 91% of retirees are happy, regardless of financial insecurity. -Forbes

The question I always wonder about is whether survey results are credible. That depends on the audience that sees the questions as well as the selection of those who choose to respond. Since happiness is also heavily affected by comparing retiree's feelings while they were working with those once t...
by bstewie
Wed Aug 14, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Net-worth rule of thumb for house purchase?
Replies: 123
Views: 6638

Re: Net-worth rule of thumb for house purchase?

OP, The net worth excluding the house should be 2.5 times or greater than the house's price. KlangFool Thanks for sharing. I know you are quite conservative when it comes to home ownership. I don't agree, but to each his own. :sharebeer This number allows a person to take a 50% stock market drop an...
by bstewie
Wed Aug 14, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5763

Re: I wanted to teach myself computer programming.

Great advice in here. I'd say there are many right ways to learn, you will get used to the manner of thinking and the patterns you see will for the most part become broadly applicable. I wouldn't fret too much over the exact language, you can write a great program in many of the ones mentioned here...
by bstewie
Mon Aug 12, 2019 2:28 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10096

Re: Beyond Meat Burger? Do you like?

...Not a fan. To say they are nearly indistinguishable is simply to say you’ve never eaten a quality burger with freshly ground meat... wolf359 say it was a "gourmet hamburger joint." I would give serious consideration to the possibility that there is a flavor in Impossible Burgers that not everybo...
by bstewie
Mon Aug 12, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 10096

Re: Beyond Meat Burger? Do you like?

Not a fan. To say they are nearly indistinguishable is simply to say you’ve never eaten a quality burger with freshly ground meat. Comparing them with a frozen patty, sure... While I am happy to see folks reducing meat intake, I don’t think mimicking meat with processed ingredients is the way to go....
by bstewie
Sun Aug 11, 2019 2:08 am
Forum: Personal Finance (Not Investing)
Topic: How to spend a bonus
Replies: 30
Views: 2326

Re: How to spend a bonus

This raises an interesting question for me. Some posters seem to be advocates of stopping charitable donations until all debt is paid off. OP is extremely generous: I just increased our charitable donations to what seems like a paltry $500/month in comparison, but I'm nearly $1M in debt with my VHC...
by bstewie
Sun Aug 11, 2019 1:13 am
Forum: Personal Consumer Issues
Topic: Experience with “change airport” itinerary(LGA to JFK)?
Replies: 33
Views: 2341

Re: Experience with “change airport” itinerary(LGA to JFK)?

I used to travel extensively for work, 4.5h is tight IMO for the transfer. If everything goes according to plan it will be a non-event, but you have no guarantee your first leg is on time. A number of other small hiccups could stack up that make this a stressful situation. How much is the reward for...
by bstewie
Sun Aug 11, 2019 12:44 am
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 10803

Re: Critique my exercise routine because it's not working for me

OP, what is the intensity of your cardio workout? Has your intensity increased over 9mo with each week or are you simply sustaining the same level of effort? If the latter, you need to push harder or go longer. The first 20m of each cardio session is a waste re: your goal. I would prefer 2h-3h sessi...
by bstewie
Sat Aug 10, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend a bonus
Replies: 30
Views: 2326

Re: How to spend a bonus

Invest the bonus as a lump sum. Pay off your debt with your extra 2.2k/mo cash flow.
by bstewie
Mon Aug 05, 2019 2:39 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 43
Views: 6970

Re: Anyone Tried Costco Travel Packages?

I have once before and was very happy with the experience. At the time it was a better price than I could get by purchasing everything solo. There were quite a few freebies not mentioned in the package price, so that was a pleasant surprise upon arrival.
by bstewie
Sun Aug 04, 2019 12:12 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12667

Re: Insane to buy a sports car?

So as someone with thousands of track laps under his belt, I wanted to find something to show that the model 3 would indeed get through a single 20 minute track session. I found no such thing. I did find many, many 3 lap romps by various drivers with good things to say about the handling, accelerat...
by bstewie
Sun Aug 04, 2019 1:36 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12667

Re: Insane to buy a sports car?

It’s not allowable to post about a potential sports car purchase without posting which car it is you are looking at. This gives the other forum members the opportunity to either 1) live vicariously through you or 2) recommend a different car, typically the one they drive. :D Some Tesla fanboi will ...
by bstewie
Sat Aug 03, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7767

Re: Dept Outsourced - Job Worries - Need your Advises

Look at this like a giant opportunity. I am not sure what California you are living in, but in the California I am aware of people who can spell docker, kubernetes, and jenkins all make 200k+ and have headhunters spamming them on LinkedIn. I wouldn’t say this is far from the truth in some cases :oo...
by bstewie
Sat Aug 03, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7767

Re: Dept Outsourced - Job Worries - Need your Advises

Do you think I should rather focus on AWS Cloud ? OP, sorry to hear. From my perspective: - don’t waste your time on azure, some people use it but I would be hard pressed to hire someone from a pure MS toolkit background Yes. I see that now, I was sleeping all these years, my fault - working on upd...
by bstewie
Sat Aug 03, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7767

Re: Dept Outsourced - Job Worries - Need your Advises

Well, well, well. IT outsourced. So it seems to be a big thing in these United States. DW had same thing happen. Entire IT dept of Sysco Foods outsourced to Indian company Infosys. Nothing to be done. Customer service be damned. DW had client base to fix and apply IT problems for orders, etc. Job d...
by bstewie
Sat Aug 03, 2019 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7767

Re: Dept Outsourced - Job Worries - Need your Advises

Well, well, well. IT outsourced. So it seems to be a big thing in these United States. DW had same thing happen. Entire IT dept of Sysco Foods outsourced to Indian company Infosys. Nothing to be done. Customer service be damned. DW had client base to fix and apply IT problems for orders, etc. Job d...
by bstewie
Sat Aug 03, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7767

Re: Dept Outsourced - Job Worries - Need your Advises

OP, sorry to hear. From my perspective: - don’t waste your time on azure, some people use it but I would be hard pressed to hire someone from a pure MS toolkit background - try to evolve away from DBA, it’s a dying role. intimate knowledge of db internals is valuable but I expect my peers to be able...
by bstewie
Sat Aug 03, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12667

Re: Insane to buy a sports car?

Steady59 wrote:
Sat Aug 03, 2019 2:51 pm
MotoTrojan wrote:
Fri Aug 02, 2019 12:37 pm
I always say, it’s more fun to drive a slow car fast than a fast car slow.
Regardless of what you get, drive it!
:beer
by bstewie
Sat Aug 03, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12667

Re: Insane to buy a sports car?

Can I please add some financial rationality to this thread? What does it mean "you can afford it?" Does it mean that OP makes enough money to cover the bills, or does it mean dropping $80k-$100k on a luxury will not in any way adversely affect OP financial future? Well, spending $80k-$100k on a dep...
by bstewie
Sat Aug 03, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12667

Re: Insane to buy a sports car?

OP, I would do it and have done it. Will made a comment about tires, keep his comment in mind. If you are enjoying the car you’re talking tires every 10k. If you’re REALLY enjoying it, even more often. My main concern as a renter would be lack of ability to own it in an environment where I could pro...
by bstewie
Sat Aug 03, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6647

Re: Dentist: Is this acceptable?

I’m at the dentist frequently, she always gives me ten minutes of face time after the hygienist is done. If it bothers you I would just find a different dentist. I pay a little extra to go to an out of network dentist specifically because I like the dentist and their staff that much more than my in ...
by bstewie
Tue Jul 30, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ethics of "bonus payback" when quitting a job
Replies: 158
Views: 11760

Re: Ethics of "bonus payback" when quitting a job

Do the right thing, pay it back. The proper way to handle this specific item of the transition was during negotiations with both parties to ensure the pro-rated amount remained in your pockets.
by bstewie
Tue Jul 30, 2019 12:19 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4331

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

If these “devices” bring you some improvement in life that you want or need, use them. If not, ignore them. They are no more or no less secure than a basic front door with a deadlock or a standard garage door or... or... and so on. Software and hardware hardening is a cat and mouse game that doesn’t...
by bstewie
Mon Jul 29, 2019 9:49 pm
Forum: Personal Consumer Issues
Topic: Products for DIY car detailing
Replies: 19
Views: 1815

Re: Products for DIY car detailing

At one time I think I had 'one of everything out there' [not really but seemed so]. I now just use a few things (but, as you can see above, there are a lot of good products out there): Wash: Blackfire Car Wash Polish: Klasse All-In-One Top Coat: Blackfire Paint Sealant [OTOH, 2 coats of Klasse alon...
by bstewie
Sun Jul 28, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Products for DIY car detailing
Replies: 19
Views: 1815

Re: Products for DIY car detailing

Thank you! I'll get to work on stocking. Question: what is APC? APC= All Purpose Cleaner. They make (expensive) stuff specially for cars, but many detailers I know swear by Simple Green which you can purchase just about anywhere. Just be careful to dilute it properly. Works great on carpets too. Wi...
by bstewie
Sun Jul 28, 2019 11:00 am
Forum: Personal Consumer Issues
Topic: Products for DIY car detailing
Replies: 19
Views: 1815

Re: Products for DIY car detailing

Interested in board members' advice on DIY car detailing for a cloth seat car. Currently I use the following: ArmorAll wipes for dashboard/door panels Windex spray and microfiber cloth for glass Vaccuum for interior Carpet shampoo I'm stuck on getting stains out of the cloth seats. I've used covers...
by bstewie
Sun Jul 28, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Products for DIY car detailing
Replies: 19
Views: 1815

Re: Products for DIY car detailing

Interested in board members' advice on DIY car detailing for a cloth seat car. Currently I use the following: ArmorAll wipes for dashboard/door panels Windex spray and microfiber cloth for glass Vaccuum for interior Carpet shampoo I'm stuck on getting stains out of the cloth seats. I've used covers...
by bstewie
Sat Jul 27, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7831

Re: Long commute: how to manage?

OP, years ago I endured a long commute: ~3h each way. I love driving, but at the same time I hate driving in traffic. I didn’t love the commute, but it made financial sense at the time and in retrospect I would do it again (work was thoroughly enjoyable onsite). Saving 20 minutes each way by driving...
by bstewie
Sat Jul 27, 2019 2:46 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4441

Re: Bootstrapping a company with retirement money

I posted here , because I wanted to hear people's opinion on potential use of retirement funds, I think it is a bad idea. You should hold down a day job (or a series of consulting gigs) until you have paying customers. One thing that stuck out at me from Shoe Dog was that Phil Knight worked on Nike...
by bstewie
Sat Jul 27, 2019 2:43 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4441

Re: Bootstrapping a company with retirement money

OP, I took two years off to bootstrap a B2B startup. I went through the angel and vc circuit with much more than an MVP. I would recommend you find a way to moonlight the initial effort to see if an MVP actually gains traction without bearing as much risk. There’s a difference between what you thin...
by bstewie
Sat Jul 27, 2019 2:27 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4441

Re: Bootstrapping a company with retirement money

I posted here , because I wanted to hear people's opinion on potential use of retirement funds, I think it is a bad idea. You should hold down a day job (or a series of consulting gigs) until you have paying customers. One thing that stuck out at me from Shoe Dog was that Phil Knight worked on Nike...
by bstewie
Sat Jul 27, 2019 2:17 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4441

Re: Bootstrapping a company with retirement money

OP, I took two years off to bootstrap a B2B startup. I went through the angel and vc circuit with much more than an MVP. I would recommend you find a way to moonlight the initial effort to see if an MVP actually gains traction without bearing as much risk. There’s a difference between what you think...
by bstewie
Thu Jul 25, 2019 1:34 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5601

Re: How do you deal with looking bad compared to others?

OP, live life as you see fit. Retirement funds, houses, and third party commentary are not an indication of personal fulfillment and success.
by bstewie
Tue Jul 23, 2019 11:02 pm
Forum: Personal Investments
Topic: Can we afford $600k home?
Replies: 98
Views: 7353

Re: Can we afford $600k home?

OP, down payment size aside, I think you should really crunch the numbers here. I make more than you and bought less than you. I had a second earner going into the purchase and lost my second earner for unfortunately necessary reasons. Housings costs were ~2x in combined income and now ~3x on single...
by bstewie
Mon Jul 22, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: C8 Corvette - who is buying?
Replies: 125
Views: 10061

Re: C8 Corvette - who is buying?

I’m a fan. I hope it’s legendarily reliable for buyers, mid-engine repairs are more expensive by default. I have my dream car already and I plan to put many, many miles on it, otherwise I would consider a used one of these in a couple of years. To the Tesla crowd: you own great cars, but they have t...
by bstewie
Mon Jul 15, 2019 10:47 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF [Emergency Fund]?

My taxable account IS my EF. $100k, 15k in MM and 85k in stocks. No bonds. The cash balance goes up and down as it's used (school bills, vacations, and other things cash flow doesn't always cover) and then replenished. I've only had to sell stocks once in the last 10 years, mostly due to poor plann...
by bstewie
Mon Jul 15, 2019 10:39 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

bstewie, I wish you the best of lucks. KlangFool Thanks Klang, see latest reply to will. I think some of this discussion may simply drive me towards a smaller EF, perhaps that’s what’s driving the question, maybe I feel my EF is too large. bstewie, 1) How many months of expense is in your EF now? 2...
by bstewie
Mon Jul 15, 2019 10:35 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

There's no way to know going forward if having cash will hurt or help you. If you keep a relatively fixed dollar amount in EF, it will phase itself out over time as you keep saving and investing and the proportion of cash to your total wealth diminishes. Catch 22, by the time it’s inconsequential i...
by bstewie
Mon Jul 15, 2019 10:33 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF [Emergency Fund]?

My portfolio is 65:35. i have no EF. I do keep about 2 months expenses in checking, as operating funds, not emergency funds. I never liked the idea of keeping an EF. If a disaster occurs which includes a drop in equities and loss of my income, I would expect to sell first bonds, then equities to co...
by bstewie
Mon Jul 15, 2019 10:31 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF [Emergency Fund]?

If we're trying to be truly objective about this, the best analysis I've seen is here: https://earlyretirementnow.com/2018/04/18/emergency-fund-in-stocks/ The math doesn't lie when you take a comprehensive approach. Personally, I am shifting away from a sacred cash emergency fund. I am fully fundin...
by bstewie
Mon Jul 15, 2019 10:30 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

I think it depends on circumstances, I’m considering a slightly more aggressive approach specifically due to my circumstances. If I had more liabilities I would probably stick with a more traditional approach. Impact of job loss in a recession is a function of liabilities IMO. bstewie, I wish you t...
by bstewie
Mon Jul 15, 2019 10:23 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

To me, cash and a hefty EF, are financial "shock absorbers" towards and through retirement. Without them, it's a pretty rough ride. j Thanks sandtrap. Out of curiosity, did you carry a conservative, average, or aggressive AA during accumulation? 100% Allocation to physically held apartment building...
by bstewie
Mon Jul 15, 2019 10:13 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

There's no way to know going forward if having cash will hurt or help you. If you keep a relatively fixed dollar amount in EF, it will phase itself out over time as you keep saving and investing and the proportion of cash to your total wealth diminishes. Catch 22, by the time it’s inconsequential i...
by bstewie
Mon Jul 15, 2019 9:55 am
Forum: Personal Investments
Topic: Phase out EF [Emergency Fund]?
Replies: 111
Views: 5870

Re: Phase out EF?

I think it depends on circumstances, I’m considering a slightly more aggressive approach specifically due to my circumstances. If I had more liabilities I would probably stick with a more traditional approach. Impact of job loss in a recession is a function of liabilities IMO. bstewie, I wish you t...