Search found 58 matches

by telecaster
Sun Dec 29, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 108
Views: 7985

Re: Any audiophiles on this forum?

anonenigma wrote:
Fri May 24, 2019 11:29 pm
Upgraded Dynaco Stereo 70
Silverline Sonatina speakers
NAD CD 538 single disc player

Incredible midrange and accuracy acquired for under $3,000.
Nice! I recently restored a pair of ST70's. What are you using for preAmps?
by telecaster
Sun Dec 22, 2019 9:03 am
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 896
Views: 148389

Re: High Earners - What's Your Profession?

IBEW Electrician, 105k gross + 34k employer contributions into a 401a. 40hrs a week, little bit of OT here and there. Proud to represent the blue collar workers. Nice! Congrats Dobbs. Happy for you, and proud of you representing honest working folks. I'm the first non-blue collar worker in my famil...
by telecaster
Fri Dec 20, 2019 7:47 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1294
Views: 176149

Re: Post your Financial Milestone Announcements Here

We joined the two comma club for net worth this past month, and our liquid/invested assets are now north of 900k (ages 41 & 36)

I'm waiting for the floor to drop ...

Thanks to the forum. It would have taken many more years to get here without the sage advice thrown around for free here.
by telecaster
Sat Nov 02, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: How can I tell when red wine has gone bad?
Replies: 9
Views: 1592

Re: How can I tell when red wine has gone bad?

When you no longer enjoy the taste!
by telecaster
Sat Sep 21, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1499

Re: Looking at a new (used) car!

I don't swap tires for the season. My other vehicle is true 4wd. Looking to replace the honda with an AWD option. I know snow tires are much better in the winter, but I don't want to be bothered keeping or changing them each year. I'm leaning new now and I'd like the EX for some of the features but ...
by telecaster
Fri Sep 20, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1499

Re: Looking at a new (used) car!

The oil problem is just on the turbos right?
by telecaster
Fri Sep 20, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1499

Looking at a new (used) car!

Well, cheap as I am, ... we are looking to replace my wife's 2007 civic. It has 160k miles and plenty of life left in it, but we have a young child now and need something with more room and better snow handling. I'm looking at certified pre-owned honda CR-V's. I'm pretty sold on a 2016 SE which look...
by telecaster
Tue Aug 27, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4428

Re: Mouse invasion!

Here are the two live humane traps I use. https://www.amazon.com/Havahart-1020-Animal-Two-Door-Mouse/dp/B0000DINGG/ref=sr_1_4?crid=1PL9T22CZ911D&keywords=havahart+mice+trap&qid=1566933711&s=gateway&sprefix=haveaheart+mice%2Caps%2C122&sr=8-4 https://www.amazon.com/Multi-Catch-Humane-Mouse-Trap-Pack/d...
by telecaster
Tue Aug 27, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 4428

Re: Mouse invasion!

I use humane live traps. Bait them with a little peanut butter and oatmeal, and then catch and release the little guys a mile or so down the road.

If you are interested I can link to the better live traps I've used.
by telecaster
Fri Aug 23, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 9082

Re: Do you sacrifice to save?

I would say no. I have a high savings rate, north of 50% gross but I live really comfortably. I could certainly spend more and accumulate more stuff but that doesn't really make me happy. It did more when I was younger, but the older I get the more I value time with loved ones, living simply, and pe...
by telecaster
Mon Aug 19, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 108
Views: 14771

Re: Anyone retire in their 30s?

There are definitely people who love their jobs and would work even if they didn't need to. But this is definitely the minority... if you are financially independent and able to, then do it! You can fill your time with hobbies and side hustles that fulfill you and do not stress you out. This is my p...
by telecaster
Thu Jul 25, 2019 10:15 pm
Forum: Personal Investments
Topic: What to do in a crash
Replies: 65
Views: 7495

Re: What to do in a crash

I auto save and invest each month, and that wouldnt change. If there is a big crash, I would take the extra principal only payments I make on my mortgage each month and buy more equities each month until the market recoups. I would also rebalance to get back to my correct asset allocation. I wouldn'...
by telecaster
Sat Jul 20, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Should relative incomes be a factor in wedding gift?
Replies: 107
Views: 7191

Re: Should relative incomes be a factor in wedding gift?

My DW and I just celebrated our 12 year anniversary. At the time, I really only wanted cash gifts. In hindsight, someone made us a beautiful gift by hand from wood. It's the only wedding gift I remember now and I cherish it and think of them everytime we use it or move it. I think this is especially...
by telecaster
Sat Jul 20, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 9480

Re: Do you buy cellphone outright or pay over 2 years?

Outright, 1 or 2 gens old refurbished off amazon
by telecaster
Sat Jul 20, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 51
Views: 4600

Re: How to get rid of a piano?

Put it on craigslist as free, but competent movers required.

I've picked up several pianos this way and paid movers to transport them.

Craigslist is amazing. You can get rid of a pail of dog poop on there if you are willing to wait a few weeks.
by telecaster
Tue Apr 09, 2019 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10463

Re: How do 40 year olds decide what they can afford?

The older I get the less I seem to want "stuff". At this point I can pretty much afford whatever I want, but I don't really want much. To be fair, I did have an issue purchasing vintage guitar and bass tube amplifiers. I corrected it by starting a side gig repairing them for others. Now I get to pla...
by telecaster
Thu Apr 04, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal tax refund? What are you doing with it?
Replies: 54
Views: 2797

Re: Federal tax refund? What are you doing with it?

I used to overpay by a large amount. Last year I updated my deductions. I expected to have to pay in this year but low and behold ... it only halved my refund (still a good chunk of change). It's going right into my taxable account. I'll tweak my withholdings again and dirctly route the extra money ...
by telecaster
Fri Mar 15, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: So what happened to the predicted bear market in bonds?
Replies: 47
Views: 4857

Re: So what happened to the predicted bear market in bonds?

I'd say predictions aren't worth the paper they are written on!
by telecaster
Sun Dec 30, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 8287

Re: Nice jeans for work with lowest average cost of ownership

Well, I'm an engineer who wears jeans with button down shirts (not tucked in) pretty much every day. I'd say you are over thinking this one. Find a brand that is comfortable and that you like and run with it. I personally wear Levi's but I can't say I've ever thought about the total cost of ownersh...
by telecaster
Sat Dec 29, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 8287

Re: Nice jeans for work with lowest average cost of ownership

Well, I'm an engineer who wears jeans with button down shirts (not tucked in) pretty much every day. I'd say you are over thinking this one. Find a brand that is comfortable and that you like and run with it. I personally wear Levi's but I can't say I've ever thought about the total cost of ownershi...
by telecaster
Fri Dec 28, 2018 9:51 pm
Forum: Investing - Theory, News & General
Topic: How accurate are stock return forecasts?
Replies: 23
Views: 1322

Re: How accurate are stock return forecasts?

Forecasts are total rubbish. Treat them the same way you would treat a tarot card reading.
by telecaster
Wed Dec 26, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 411
Views: 61623

Re: What NON frugal thing did you do today?

I paid a local mechanic $100 to fix the 4-wherl drive on my truck even though I knew what the problem likely was (and I was right!).

No regrets. I spent the day with my family instead of under the vehicle.
by telecaster
Tue Dec 18, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22996

Re: What Happened to you during the Financial crisis of 2007–2008

I was totally disconnected during the 2007-2008 crisis. Honestly, I didn't even know it was happening. I was just cranking away at my job and my investments (just 401K at that time) were on total auto-pilot. Back then I would check my balance maybe once a year, sometimes not for multiple years. So t...
by telecaster
Tue Dec 18, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13270
Views: 2243882

Re: U.S. stocks in free fall

I TLH'ed today in my taxable account. Also, my company 401k match used to be alongside every contribution I made. At some point they switched to a bulk contribution once at the end of the year. This year I'm finally happy with that approach. Unless you miss the dip of course. :wink: Doh, you are ri...
by telecaster
Tue Dec 18, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13270
Views: 2243882

Re: U.S. stocks in free fall

I TLH'ed today in my taxable account.

Also, my company 401k match used to be alongside every contribution I made. At some point they switched to a bulk contribution once at the end of the year. This year I'm finally happy with that approach.
by telecaster
Thu Dec 06, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 14114

Re: Who else is getting excited?

I feel both. I don't like seeing my gains from the past dwindle. But at the same point I'm hopefully ~10 years from retirement and am in my heaviest accumulation phase so I'm hopeful for a big buying opportunity in this phase with the markets recovering and going higher as I grey a little and get re...
by telecaster
Sun Dec 02, 2018 11:19 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 145
Views: 16251

Re: Retirement itch- when did you get it?

I got it at 40. Started a family late and really hunkered down on reducing costs and saving a ton of our income. Plan is now to be out at or before 50, and to spend some real time with my family and friends while everyone is still around and healthy. I do plan to continue earning afterwards but thro...
by telecaster
Sun Dec 02, 2018 9:10 am
Forum: Personal Investments
Topic: Where to put "left over" money
Replies: 18
Views: 2153

Re: Where to put "left over" money

For us, this goes into our taxable account where I buy total US and INT stock market index funds in accordance with my overall portfolio asset allocation. I started this somewhat recently and its amazing how fast its building up without any contribution limits like my 401K etc have. Right now all my...
by telecaster
Mon Oct 29, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: People with older car, share your unusual repairs
Replies: 84
Views: 5721

Re: People with older car, share your unusual repairs

15 year old dodge pickup truck here. Ignoring normal wear and tear items like tires and brakes ... here is what I've had done over the years - rebuild emergency/drum brake (couple hundred) - replace water pump (~400) - replace broken power steering line (cheap) - find and fix leaky refrigerant lines...
by telecaster
Sun Oct 28, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Am I doing well financially?
Replies: 174
Views: 16634

Re: Am I doing well financially?

Any recommendations to cut food costs? Think we spend around $800/groceries and $700/eating out (including lunches during work etc.) Hi Op. I think that you are going to do better over time simply because you are asking and digging into it. My wife and I have gotten pretty frugal over the last year...
by telecaster
Tue Oct 23, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Coffee grinder
Replies: 56
Views: 4738

Re: Coffee grinder

I just finished assembling and mounting an arcade no 3. Grinder from 1920. I hope I look and work as well when I'm 100 years old. $60 off ebay, and I made the wood mounting panel. I love grinding my coffee with this thing every day. http://drive.google.com/uc?export=download&id=1k2sdgXzjxCCOXhzcNpfh...
by telecaster
Wed Oct 03, 2018 10:59 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 509
Views: 67182

Re: Your USER NAME...what does it mean?

The classiest piece of wood and steel to ever grace the world of guitar players. Thank you Leo Fender!
by telecaster
Mon Sep 03, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: bench vise recommendation
Replies: 20
Views: 1497

Re: bench vise recommendation

If you don't need it immediately then I'd keep hunting ebay and craigslist for affordable old USA iron. Check garage sales too. They really can be had for less than the cost of new cheap junk that probably wont make you happy in the long run.
by telecaster
Thu Aug 30, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: What do you order for drinks at wedding?
Replies: 12
Views: 1138

Re: What do you order for drinks at wedding?

Gin and tonic for the win!
by telecaster
Tue Aug 28, 2018 1:01 pm
Forum: Personal Investments
Topic: Investing in Taxable account for early retirement
Replies: 18
Views: 1835

Re: Investing in Taxable account for early retirement

I agree with what the others have said here. I suggest to keep maxing out your 401K, and then sink any additional income you start getting into your taxable account. You're young, and hopefully your salary will continue going up and up every year and if you don't adjust your lifestyle pretty much ev...
by telecaster
Wed Aug 22, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 6104

Re: Test your cognitive biases

My results: Congratulations on completing your statistical and risk literacy test! Your numeracy score is better than about 75-100% of all college educated individuals. Roughly, this means that out of every 100 people who take the test, you will do better than about 90% (90 people) of all other peop...
by telecaster
Sun Aug 12, 2018 7:49 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 152
Views: 22835

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day t...
by telecaster
Sun Aug 12, 2018 7:45 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 152
Views: 22835

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day t...
by telecaster
Fri Aug 10, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 152
Views: 22835

Re: International stocks in free fall

I started a taxable account at the end of last year. Up to now it's been entirely fusvx. Today I plunked down my first buy of ftpix in that account. It's been growing in size and messing up my us vs international asset allocation and I've been wanting to move more to a 3 fund in taxable. Good day to...
by telecaster
Sat Jul 21, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: $1200 AC fix on a 2007 Civic
Replies: 22
Views: 1842

Re: $1200 AC fix on a 2007 Civic

I had the same job done on the same car this year. The cost was $850 ( did not replace the belt though ).

Parts were ~500, the rest was labor.
by telecaster
Mon Jul 16, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 106
Views: 8022

Re: Have you ever purchased a pricy musical instrument?

Yeah, I've definitely done this. I spent 3K on an acoustic guitar that I fell in love with. I've spent around 1.5k on an electric, and a little less on vintage amps that made the hair on the back of my head stand up. I never sold any of the expensive stuff I bought. I've sold plenty of cheaper instr...
by telecaster
Sun Jul 01, 2018 1:12 pm
Forum: Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 9640

Re: What % of your equity is int’l?

25% of my 401k which is a classic boglehead 3-funder.

That's watered down though if I include my taxable account which is 100% s&p 500 index fund.
by telecaster
Sun Jul 01, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 12191

Re: Can I buy a Tesla?

My humble 2 cents after growing a few grey hairs. Are cars your passion and will it bring you actual happiness? If yes then go for it ... you might check out god forbid in a few years. If the answer is no then don't buy it. It's a waste of money and a status symbol. For me cars are a utility. I driv...
by telecaster
Sat Jun 16, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 6527

Re: What are your hobbies?

I'm not retired yet but I can tell you what I wish I was doing with my time rather than dumping 75% of it into megacorp ... - spending time with my daughter and wife - spending time with extended family and friends - playing and making music - fishing - repairing vintage motorcycles and amplifiers -...
by telecaster
Thu Jun 14, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: convert 4 wire to a 3 wire switch
Replies: 15
Views: 1867

Re: convert 4 wire to a 3 wire switch

What was in the box before, and how were the four wires connected previously? Is there another switch that controls the lights in addition to the one you are replacing?
by telecaster
Wed Jun 13, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2830

Re: Learning how to fix/repair things

Yeah, you tube is awesome. But like anything in life, experience is the best teacher. Start your projects in closets, in the garage, or best yet at a friend's house :). You'll notice each time you do something the quality and workmanship improves. If you have someone that knows more, work alongside ...
by telecaster
Mon Jun 11, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: How and what age to start piano lessons?
Replies: 13
Views: 1417

Re: How and what age to start piano lessons?

- If at all possible, get them a real piano and not an electric keyboard. Even the most expensive ones are lifeless compared to playing on a real wood and metal piano. Yamaha weighted-key digital pianos are quite satisfactory, can be moved easily by two people, and can use headphones for practice. ...
by telecaster
Mon Jun 11, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: How and what age to start piano lessons?
Replies: 13
Views: 1417

Re: How and what age to start piano lessons?

Learning things (especially music) is like investing. Time is your friend. Young kids soak this stuff up and will be able to do things effortlessly in a year that would take adults a decade. I started playing piano when I was 5. My advice: - Start as young as possible as long as the kid is intereste...
by telecaster
Sun Jun 03, 2018 6:32 pm
Forum: Personal Investments
Topic: Is it fine to have 100% of portfolio in VTSAX
Replies: 33
Views: 8831

Re: Is it fine to have 100% of portfolio in VTSAX

cutterinnj wrote:
Sun Jun 03, 2018 6:25 pm
It is fine to have 100% in VTSAX with your time horizon.

If you're going to do that, I recommend NOT checking your account or reading the news for the next 20 years, though...
Damn that's good advice. I should follow it ...
by telecaster
Sat Mar 31, 2018 6:08 am
Forum: Investing - Theory, News & General
Topic: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finished?
Replies: 129
Views: 14810

Re: What Are Your Thoughts On The Recent Bitcoin Bust? Is It Apart of the Boom/Bust Cycle or Is The CryptoCurrency Finis

With the future trajectory of quantum computing, Bitcoin is going to zero in the long run. In the medium term, crypto-currencies may have a limited future, but there's a lot of competition to Bitcoin. There are almost 1600 crypto-currencies and new ones are created every month. There's a large risk...