Search found 157 matches

by CascadiaSoonish
Thu Nov 14, 2019 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Are complicated credit card cash back strategies worth it?
Replies: 73
Views: 4986

Re: Are complicated credit card cash back strategies worth it?

Tons of great info on this thread. I'll just make a couple observations: It seems to be a more labor-intensive game to get the best value out of the programs nowadays. A decade ago it was trivial to rack up free flights and status on airlines with a reasonable credit card spend, for example. Not any...
by CascadiaSoonish
Tue Oct 29, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?
Replies: 52
Views: 4698

Re: I want a pre-made, wholesome lunch delivered to me daily for under $15. Options?

You're definitely not alone in not liking to cook. Requires equipment, time, skill, interest, access to decent ingredients, and a workable kitchen. With that said, for well under $75/week a moderately skilled cook could put together a fantastic set of lunches doing something like Meal Prep Sunday (G...
by CascadiaSoonish
Mon Oct 21, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack
Replies: 18
Views: 1400

Re: Google Wifi Mesh 2 Pack vs. TP Link Deco 3 Pack

I'm happy with the Google system but I'm finding that performance falls off drastically as we move around -- it isn't a big house in terms of square footage but it's four floors including the basement, so even with three pucks we've got dead spots in the house and yard. YMMV but I'd err on the side ...
by CascadiaSoonish
Thu Oct 17, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take the job in OKC or Orlando?
Replies: 98
Views: 5589

Re: Should I take the job in OKC or Orlando?

I'm a former Orlando resident so I feel like I have a little bit of license here to pass judgement. I would never move back to Central Florida, very low quality of life IMHO. I see several people mentioning Winter Park here, which is definitely a relatively nicer area (I know it well) but at an adde...
by CascadiaSoonish
Thu Oct 17, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: What percent of net worth should a persons house be?
Replies: 141
Views: 10346

Re: What percent of net worth should a persons house be?

As many others have pointed out, this really depends on perspective and age and a lot of other personal factors, not to mention the housing market and the cost of living for the area. For comparative purposes for those who may be interested, we live in a HCOL area and are mid-career. The equity we h...
by CascadiaSoonish
Mon Oct 07, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Bookkeeping side hustle for wife: thoughts?
Replies: 21
Views: 2404

Re: Bookkeeping side hustle for wife: thoughts?

I own a small services business and we use Quickbooks. I have a bookkeeper who takes care of a lot of the data entry and more complicated bits. But with Quickbooks automating so much of what needs to be done, I spend maybe $2K/yr tops on their services. And I could probably do without, but I like ha...
by CascadiaSoonish
Thu Oct 03, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Classic car (~70s convertible)
Replies: 19
Views: 1889

Re: Classic car (~70s convertible)

I owned a cool '70s car (1973 Mercedes 280SEL, super swanky car) that was as beautiful as it was impractical. After a few years of fun I didn't mind selling it at all (sold it for just a little less than I had bought it for, but the maintenance carrying costs on that barge had been absurd so I absol...
by CascadiaSoonish
Wed Sep 25, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: "Automation, Robotics & AI" ETF
Replies: 28
Views: 3873

Re: "Automation, Robotics & AI" ETF

Since I started paying attention and adopting the Boglehead way I've sold almost all of my individual holdings, with the exception of BOTZ and ROBO as I'm convinced that automation is a solid long-term play. I hope I'm right about the long term because both of these have significantly underperformed...
by CascadiaSoonish
Wed Sep 11, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9367

Re: Electric Bicycles

The problem is try insuring that with a mainstream auto insurer as a vehicle. As far as I know, eBikes don't have a VIN. If you have plates, you need insurance. To get plates or insurance you need a VIN. They do have serial numbers but not VINs so the ability to register seems to vary by state. My ...
by CascadiaSoonish
Wed Sep 11, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9367

Re: Electric Bicycles

I bought a Sur-Ron from Lunacycles earlier this year. It decidedly falls into the "not even remotely an ebike" legal classification by power and speed, but still makes for a great city commuter. I've put several hundred miles on it already this summer. 100% electric, easy to ride, and ridiculously f...
by CascadiaSoonish
Mon Aug 19, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Biz Owners: Your Health Insurance Contributions?
Replies: 8
Views: 423

Re: Biz Owners: Your Health Insurance Contributions?

We pay 80% of the employee premium and 50% of the dependent/spouse/partner premium. It's high but it works for us. I've already let people know, though, that at the current rate of increase in costs, we may shift to 100% employee / 0% dependents. Fairer that way to all staff.
by CascadiaSoonish
Mon Aug 19, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Life Advice: deciding what you want to do.
Replies: 49
Views: 4905

Re: Life Advice: deciding what you want to do.

Just my opinion: you're 22. You've got so much time ahead of you to try different things, different paths, and to find something that works for you. 22 was four industries ago for my career, and my current job hadn't been invented yet. And there are plenty of paths where autism isn't necessarily a d...
by CascadiaSoonish
Wed Aug 14, 2019 4:36 pm
Forum: Personal Investments
Topic: Investing Father's Assets Who Is In Nursing Home (POA)
Replies: 68
Views: 4777

Re: Investing Father's Assets Who Is In Nursing Home (POA)

I'm sorry to hear this about your father -- I also have a parent in a skilled nursing facility and I'm acting as POA. The one number that jumped out at me was the $5K / month facility spend. Assuming you're in the US, this is actually a lot less expensive than I've seen. Are you in a very LCOL area?...
by CascadiaSoonish
Tue Aug 13, 2019 3:59 pm
Forum: Personal Investments
Topic: Can having wealthy parents be a justification for a more aggressive investment strategy?
Replies: 97
Views: 7842

Re: Can having wealthy parents be a justification for a more aggressive investment strategy?

Anything can happen. Long-term care can be frighteningly expensive, beneficiaries can be changed, investments can go south. But if investing is a bet based on probabilities, I see no problem in making some reasonable assumptions about future inheritances. The numbers posted by OP ($50MM NW for paren...
by CascadiaSoonish
Sat Jul 20, 2019 3:30 pm
Forum: Personal Investments
Topic: What tilt(s) have you adopted?
Replies: 28
Views: 1863

Re: What tilt(s) have you adopted?

Two tilts. Within equities I have significant positions in ROBO and BOTZ as I expect automation and ML to continue to have a disproportionate impact on businesses in the future. They've underperformed the market in the past year or so but this is a long position. (Also admittedly not a tilt, strictl...
by CascadiaSoonish
Sat Jul 20, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Replacement Windows
Replies: 30
Views: 2134

Re: Replacement Windows

Another option: window inserts. We have Indows for all of our original (100+ year old) single pane windows. They do a great job of stopping drafts and cutting down on noise. I think the additional air gap would help with the OP's solar issue. A lot cheaper than replacement windows, too. indowwindows...
by CascadiaSoonish
Thu Jul 18, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Lightweight, durable, laptop bag
Replies: 29
Views: 1644

Re: Lightweight, durable, laptop bag

I think I'm fifth or sixth here for Tom Bihn. Amazing bags. Mine is a decade old and looks great. When the strap finally wore out they sent me a replacement for free, so they stand behind their products.
by CascadiaSoonish
Sun Jul 14, 2019 1:19 pm
Forum: Personal Investments
Topic: Help me grow my dad's retirement fund, review my plan
Replies: 10
Views: 861

Re: Help me grow my dad's retirement fund, review my plan

With two-thirds of his money off the table ($50K of the $75K) it's already a very conservative allocation so I personally wouldn't worry much about bonds. And I would hope the rest of the emergency fund is in a CD or money market fund or high interest savings or something to defray inflation. If 1/3...
by CascadiaSoonish
Sun Jul 14, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Add a second job? Trader Joes, Home depot, ???
Replies: 38
Views: 5235

Re: Add a second job? Trader Joes, Home depot, ???

As it seems that this board skews towards high-earning professionals who would presumably be used to a high degree of freedom in their careers, I have to wonder how easy it would be to adjust to working retail. Having done both I know that I personally would get frustrated really quickly if I ended ...
by CascadiaSoonish
Sun Jul 14, 2019 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 12316

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

My experience and point of view is similar to previous posts. I'm managing finances for a parent in skilled nursing. It's not difficult, everything can be done online, and distance is irrelevant. Managing care is an entirely different matter. My sibling has medical experience and lives near my paren...
by CascadiaSoonish
Fri Jul 12, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3363

Re: Should I Buy a Motorcycle?

One day I had a friend tell me there were two kinds of motorcyclists; those who had crashed, and those who were going to. This is the risk anyone riding needs to acknowledge. I've looked around for more granular statistics and haven't found any, but my sense is that the numbers would back up the as...
by CascadiaSoonish
Fri Jul 12, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3363

Re: Should I Buy a Motorcycle?

Rider here. Buy used. Tons of good bikes out there at reasonable prices. Use some of the savings to get your safety gear, and don't scrimp -- buy new.
by CascadiaSoonish
Tue Jul 09, 2019 11:49 am
Forum: Personal Investments
Topic: Where to invest down payment money for 2 years
Replies: 11
Views: 1110

Re: Where to invest down payment money for 2 years

I had money for a CRE purchase parked in a money market fund for a year-plus. Switched to that from CDs as the returns were close enough not to make much of a difference, and the liquidity was preferable when we weren't exactly sure when we'd need the money for the purchase.
by CascadiaSoonish
Tue Jul 09, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Buying a Smoker
Replies: 118
Views: 8062

Re: Buying a Smoker

One vote from me for the Egg. The kamado / Big Green Egg grills do require some work but the temperature stability from the ceramic makes a huge, huge difference in my opinion. Expensive but worth it. We're using ours all the time now that it's summer, but I've been out there in winter to grill stea...
by CascadiaSoonish
Mon Jul 08, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: New budget SUV vs used luxury SUV
Replies: 27
Views: 3000

Re: New budget SUV vs used luxury SUV

FWIW I drive an older RDX with over 160K miles on it. In five years of ownership I've had to spend very little on it for maintenance and repairs. It's no longer a beautiful car nor is it luxurious, but I save soooo much money compared to the alternatives.
by CascadiaSoonish
Mon Jul 08, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: iPad apps for young kids on international flights
Replies: 7
Views: 696

Re: iPad apps for young kids on international flights

At that age we usually just made sure there were plenty of downloaded kids shows loaded on the tablet beforehand. Apps tended to be hit-or-miss in how well they'd keep the kids occupied.
by CascadiaSoonish
Sat Jul 06, 2019 1:16 pm
Forum: Personal Investments
Topic: I'm beside myself about my dad's investment account
Replies: 32
Views: 5766

Re: I'm beside myself about my dad's investment account

I'm right there with you, theladybug123. I'm handling financial POA duties for a parent in a skilled nursing facility. About $200K in assets as well. I actually don't think this played out too badly given your father's needs and the amount of money available. Personally, I interpret my fiduciary res...
by CascadiaSoonish
Thu Jul 04, 2019 12:33 am
Forum: Personal Investments
Topic: Ok, I'm taking 20% off the table
Replies: 9
Views: 2497

Re: Ok, I'm taking 20% off the table

Funny, we're also making a 20% move. Took 20% of our stock portfolio out to use as a down payment for a commercial real estate property. Felt like a good time to diversify with the market reasonably close to a high. Time will tell if CRE performs anything like the market for the next decade or so fo...
by CascadiaSoonish
Thu Jul 04, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Photography business early stage, tax and other
Replies: 33
Views: 3083

Re: Photography business early stage, tax and other

While this thread is a few years old, I'll chime in since it's been resurrected. We have a few friends who are professional photographers (including one with two-plus decades of high-end advertising work) and without exception they're in a bad spot right now. The market is flooded with 'good enough'...
by CascadiaSoonish
Mon Jul 01, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 6762

Re: Frontier or Spirit Airlines

Frontier Airlines: the only time I've ever seen a trash bag used as carry-on luggage. Nooooo thank you.
by CascadiaSoonish
Mon Jul 01, 2019 5:58 pm
Forum: Personal Investments
Topic: alternatives to 529 plans
Replies: 47
Views: 3412

Re: how much to invest in 529 plan

We decided to contribute enough to get the annual state tax break but no more, so we're expecting to need to pull significantly from other sources when the college bills come due in another decade or so. Rationale for not supercharging the 529: I haven't been particularly impressed by the performan...
by CascadiaSoonish
Thu Jun 27, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Website design help
Replies: 22
Views: 1367

Re: Website design help

I'm in this industry. For what you're talking about, I think SquareSpace and other self-serve options probably provide the best value.
by CascadiaSoonish
Wed Jun 26, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Taking out a loan to build a commercial building
Replies: 27
Views: 1888

Re: Taking out a loan to build a commercial building

I'm in the middle of the process of getting a commercial (SBA 7a) loan from a well-known bank for a commercial real estate purchase. Like OP I'll be owner-occupied. Based on how much documentation about my existing business the bank has required, I think it would be a significantly bigger lift to re...
by CascadiaSoonish
Thu Jun 20, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund for charitable giving
Replies: 13
Views: 765

Re: Donor Advised Fund for charitable giving

+1 on using Fidelity for DAF ++. We have a DAF at Fidelity. Did what had been described here previously, we donated a target amount of a fund that had a lot of unrealized gains and have been donating from that over the past year or so. The process of donating from the Fidelity DAF is easy, just loo...
by CascadiaSoonish
Tue Jun 18, 2019 12:13 pm
Forum: Personal Consumer Issues
Topic: Volvo CPO Extended Warranty
Replies: 21
Views: 1158

Re: Volvo CPO Extended Warranty

We own a 2016 XC90. We bought the extended warranty at a steep discount from another Volvo dealer who was willing to sell it for a lot less than our local dealer. It's a great car but it's definitely a first-year product with technical system issues cropping up relatively frequently requiring a visi...
by CascadiaSoonish
Mon Jun 10, 2019 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 4093

Re: Late Life/End of Life Expenses

That physician's sample is biased if he's just drawing it from his practice. Does this take into account the substantial portion of people who won't have any end of life expenses? I think it's an odds game. Sure, there's the possibility that 3 - 4% is unnecessarily frugal and just means you're shove...
by CascadiaSoonish
Fri Jun 07, 2019 12:30 pm
Forum: Investing - Theory, News & General
Topic: What is the rationale for cash in your portfolio?
Replies: 36
Views: 2991

Re: What is the rationale for cash in your portfolio?

A few reasons. We're business owners and income can fluctuate, so the cash is a nice cushion. We are on a good path financially and don't need to take a lot of risk with every penny of assets. I sleep better at night knowing that we have the resources on hand to handle any conceivable emergency. And...
by CascadiaSoonish
Thu Jun 06, 2019 12:14 pm
Forum: Personal Investments
Topic: How would you invest a lump sum of 3 million dollars in today's market?
Replies: 50
Views: 6113

Re: How would you invest a lump sum of 3 million dollars in today's market?

Lots of smart thinking from previous posters. I'll just add a personal observation: congratulations, you've won the game. Don't beat yourself up about optimizing by a percentage point or two; it all evens out in the end. We were hanging out this past weekend with a family friend who did very, very w...
by CascadiaSoonish
Mon Jun 03, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6961

Re: What do business pros wear on redeye Business Class flights

I'm somewhat particular about flying apparel. I like wearing smartwool shirts; they breathe great, don't wrinkle up, and look dressier than cotton. For the trans-Atlantic flights I'll be in more nicely cut athletic pants. I like what American Giant makes, super-comfy but they don't look like baggy e...
by CascadiaSoonish
Tue May 28, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7943

Re: $3k for teen club soccer

In my town they're charging the lower end given here for the 11 year olds. And on top of that, there's an obligation to buy uniforms, jackets, balls, and gear from the approved athletic wear sponsor. And the uniforms change each year. I'm now understanding why I know people making six figures as col...
by CascadiaSoonish
Mon May 13, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in art
Replies: 91
Views: 5177

Re: Careers in art

I would not pay for my kid's degree unless they can tell me how they are going to make a career out of that degree. I wholeheartedly disagree. College isn't and shouldn't be just a vocational program. It's an opportunity for kids to learn how to think, how to find their own path, to be exposed to d...
by CascadiaSoonish
Sun May 12, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8504

Re: Inherited ranch

What if they sell it for a profit later? Would you be entitled to the proceeds? Seems very complicated and not clean. Happened in our family. Youngest of several children is given the family farm with the understanding that it will stay in the family. Almost immediately sells the property and does ...
by CascadiaSoonish
Sun May 12, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How to Figure Payroll Taxes for S-Corp?
Replies: 22
Views: 1259

Re: How to Figure Payroll Taxes for S-Corp?

We did payroll manually for years with some assistance from an accountant, then switched to one of the major payroll service providers. I highly, highly recommend using a service. Cheaper in the long run, especially when you factor in all the little one-off things they take care of for you like adju...
by CascadiaSoonish
Sun May 12, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8504

Re: Inherited ranch

Split the difference, maybe? A substantial down payment out of any liquid asset portion of assets the purchasing family members would otherwise be entitled to, as well as language outlining how defaults or disagreements would be handled? Or a profit-sharing arrangement for use of the land in lieu of...
by CascadiaSoonish
Thu May 09, 2019 1:34 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4560

Re: Hedge against the decline of the Realtor profession

I don't disagree with earlier posters who note the profession hasn't declined yet. But I think it's a matter of time as the industry seems to be relying on $$$, lobbying, and inertia to preserve market position rather than evolving. See taxi companies and Uber to see how well that eventually worked ...
by CascadiaSoonish
Thu May 09, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: All out of carrots [Looking for future advancement possibilities]
Replies: 22
Views: 2693

Re: All out of carrots [Looking for future advancement possibilities]

One other thing to consider: depending on your field and geographic location and skillset, bear in mind what your career outlook might be in ~10 years. People in healthcare typically don't have to worry. IT people do. Depending on which category you fall into, your field may give you the potential f...
by CascadiaSoonish
Mon May 06, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: Aulani Disney resort
Replies: 15
Views: 2261

Re: Aulani Disney resort

We've stayed at the properties on either side of Aulani in past years. We'd walk by the Aulani property and the volume would go up as we approached, then down as we walked away. Personally, I prefer the non-Disney properties in the Ko Olina area, you have the same access to the protected man-made la...
by CascadiaSoonish
Mon May 06, 2019 10:19 pm
Forum: Personal Investments
Topic: alternatives to 529 plans
Replies: 47
Views: 3412

Re: how much to invest in 529 plan

We decided to contribute enough to get the annual state tax break but no more, so we're expecting to need to pull significantly from other sources when the college bills come due in another decade or so. Rationale for not supercharging the 529: I haven't been particularly impressed by the performanc...
by CascadiaSoonish
Fri May 03, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: anyone with AirBNB New Orleans experience?
Replies: 7
Views: 770

Re: anyone with AirBNB New Orleans experience?

Former NOLA resident here. Suggest looking at AirBNB options uptown close to the St Charles streetcar line. Plenty of great things to do and places to stay anywhere between downtown up to the turn at Carrollton. Quieter, too. While amazing, the hard thing about staying downtown is that the party out...