Search found 261 matches

by wabbajack
Thu Jul 11, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 13491

Re: Is Hyundai the value sweet spot?

The higher the market value of the car, the higher the premium that covers the "collision" part of the insurance. So after a few years, if the market value of the car drops a lot, then the insurance premium should drop also, everything else being equal. I have not had that experience. At all. We ow...
by wabbajack
Thu Jul 11, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 92
Views: 5467

Re: Automatic Watches

It doesn't really matter how accurate it is right? This is the only home-run jewelry piece that men can wear. So it's jewelry and everything else about the watch is ancillary. If you need the time, pull out your iphone that you know is in your pocket. +1 here. The least important thing a watch does...
by wabbajack
Thu Jul 11, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Employers asking salaries
Replies: 47
Views: 6007

Re: Employers asking salaries

This thread seems to be getting a bit confused/derailed. The OP is asking about jurisdictions where companies are prohibited from asking about salary history . Many of the posts are talking about salary expectations . These numbers could be quite different. OP, as far as I am aware, I have not hear...
by wabbajack
Thu Jul 11, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new car now or wait: what's the math say?
Replies: 57
Views: 5058

Re: Buy a new car now or wait: what's the math say?

I checked out the CX-5 Signature today. Very nice car and a great value. It is $20k cheaper than a similarly equipped german. And the long term maintenance costs should be affordable. Now I need to find a way to get my wife to agree! I think a lot of posters have gotten the math wrong. Their compar...
by wabbajack
Wed Jul 03, 2019 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Hire a driver?
Replies: 63
Views: 3532

Re: Hire a driver?

I was at a dinner party a couple of months back where we got into this exact conversation with a surgeon who commutes 1.5 hours each way. One of the suggestions was for him to buy an RV to stay overnight, instead of finding hotel rooms. Under the new bonus depreciation rules , this seemed like a goo...
by wabbajack
Thu Jun 27, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else unable to afford a home/have six figure income?
Replies: 60
Views: 7345

Re: Anybody else unable to afford a home/have six figure income?

1. It is unhealthy to constantly compare yourself to others. But your lizard brain will do it anyway. Learn to stop. Focus on something else. But try not to be annoying about it. I cringe and walk away every time someone says something to the effect of "I don't understand how anyone can spend $XX on...
by wabbajack
Fri May 31, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 13923

Re: Should I encourage my kids to work in high school/college?

Prior to that, at a younger age, I wanted to work an odd job that I heard kids could do: trapping gophers. We lived in a rural area, and I had heard from a friend that the County Extension Office would pay for paws (35 cents a pair) and tails (10 cents a tail) if you trapped gophers in farmer's fie...
by wabbajack
Thu May 30, 2019 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 13923

Re: Should I encourage my kids to work in high school/college?

I never worked low wage jobs, either in high school or college. In the summers during high school, I would do things that looked good on my college applications, like taking college courses or volunteering at a local hospital. In college I spent summers doing research with professors, which was a j...
by wabbajack
Thu May 02, 2019 12:36 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2378

Re: Car insurance shopping - worth leaving USAA?

Since I have never filed a claim in my life, they do nothing but take my money every month. But I suppose that is the point of insurance - you don't think you need it until you actually do. That said, if Geico is a decent auto insurer, USAA is likely not worth the extra $1000 a year. I'm tired of m...
by wabbajack
Wed May 01, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: Off Road Driving Schools
Replies: 7
Views: 822

Re: Off Road Driving Schools

I saw off road driving school in the title and immediately thought of DirtFish (up in Washington state).
Sorry, I think that's a little too exciting for what OP wanted.
by wabbajack
Wed May 01, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12248

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Why are you not buying a Golf? It's a hatchback like you want. The 2016-2018 model years are very well designed and equipped. They were sold with a 5-year warranty (6-years for MY 2018), which transfers to the second owner. They depreciate much more than your Toyotas and Hondas. And they drive bette...
by wabbajack
Wed May 01, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2378

Re: Car insurance shopping - worth leaving USAA?

I currently pay $188/month for my Mercedes C300 2015 with a $1000 deductible and 100/300/100 coverage or $1,131 every 6 months. I'm single and 31 years old. My last traffic ticket was in March of 2016 and my last accident was in May of 2013. I have a credit score of 803 and hold a graduate degree. ...
by wabbajack
Wed May 01, 2019 12:53 pm
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 6256

Re: Fun-ish Used Boglehead Car

Chevy Volt? fast acceleration + low cost to maintain + great value as used Lol, I love bogleheads :P "I loved my twin-turbo, RWD sporty coupe and want something fun like that again" "How about a FWD pseudo-hybrid that does a sixteen-second quarter mile, with floaty suspension, numb steering, and mu...
by wabbajack
Sun Mar 17, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Rent a car or buy a throw-away?
Replies: 18
Views: 2224

Re: Rent a car or buy a throw-away?

2014 4X4 F-150. You have a Raptor? Seems like this is the ideal vehicle to be taking out on long drives in the desert. MPG would suck, but consider that it's going to be more comfortable than a rental. Based on the $18k figure some other poster calculated, I'd try to work out the difference in cost...
by wabbajack
Sun Mar 17, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Haven't bought a car in ages - how does negotiation work these days?
Replies: 47
Views: 5205

Re: Haven't bought a car in ages - how does negotiation work these days?

Unfortunately, due to the trimline, color, and option package we want (especially the trimline), there's no on-the-lot inventory for that particular car anywhere around. You're going to get more helpful advice if you spit out the year/make/model. What might work for buying a used truck might not wo...
by wabbajack
Sun Mar 17, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 5331

Re: What's Your Opinion on Nest Thermostats

1. It senses if someone is home 2. It sends that info to a central website 3. Hackers could gain access to that website and use that info to break into homes Why have yet one more point of vulnerability? A programmable t-stat works fine. If you need wifi, buy a programmable with wifi. 1. I'm millen...
by wabbajack
Wed Mar 06, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: Anyone have a strategy for buying a higher end, low mile used car (especially in remote area)?
Replies: 14
Views: 1205

Re: Anyone have a strategy for buying a higher end, low mile used car (especially in remote area)?

I already have a 01 911 that I drive daily. The #1 concern that comes to my mind is not the obvious things like maintenance and servicing that other people bring up. And it appears you already know a shop that would take care of all that for you anyway. The #1 concern in my mind is: What are the ro...
by wabbajack
Wed Mar 06, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 6504

Re: Best quality car - Lexus?

I have my eyes on the genesis RWD V6 (~23 combined mpg). The V8 would put me at ~17 combined mpg. I'd be happy with the power but hesitate on the cost of gas. At least, those genesis uses regular gas. I've been considering a Genesis. How have the reliability and maintenance costs been for you? RE: ...
by wabbajack
Wed Mar 06, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 2953

Re: Would you fix cosmetic car damage?

Wanted to bring this topic to a close. I went to CarMax last night and they offered $16k knowing the damage caused. Prior to damage (3 months ago), they gave me $18k while other dealers offered $19k in trade-in value. At this point, I have decided against repairing the damage. The cost of repair sim...
by wabbajack
Mon Mar 04, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Best quality car - Lexus?
Replies: 56
Views: 6504

Re: Best quality car - Lexus?

H-Town wrote:
Mon Mar 04, 2019 2:04 pm
Between a 2015 Genesis and 2015 ES 350, same price, same mileage, which one would you choose?
Get the 2015 Genesis with the V8. Trust me.
by wabbajack
Mon Mar 04, 2019 4:02 pm
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 2953

Re: Would you fix cosmetic car damage?

Let's review. You've done $4k (probably more) damage to the car. When you go to sell the car, every penny of the repair cost, and probably more, will come off your bottom line. That's the way it works, especially when you're trading it in to a dealer. I need to address this comment because this is ...
by wabbajack
Mon Feb 25, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 2953

Re: Would you fix cosmetic car damage?

I would repair a 2017 Cadillac, yes, except for perhaps the most minor of cosmetic issues (paint scrape, small dent). Those cosmetic issues however will hurt your trade value, both directly (they'll estimate what it costs to fix them and deduct that from your offer) and indirectly (they'll assume y...
by wabbajack
Mon Feb 25, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4596

Re: Things to do in Indiana

We've found that things don't need to be spectacular to be interesting. As a matter of fact, some of the more obscure places we've been and things we've seen, especially those with historical significance, have been the most enlightening and memorable. Another advantage to these places is that they...
by wabbajack
Mon Feb 25, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Would you fix cosmetic car damage?
Replies: 35
Views: 2953

Would you fix cosmetic car damage?

Over a month ago, I was driving through a bad snowstorm and lost control of my car as I negotiated to an exit ramp. My car (2017 Cadillac ATS) hit a concrete barrier at ~20mph. The impact was loud and things went flying in the cabin. At the time, I was afraid the car had suffered terrible damage. Af...
by wabbajack
Mon Feb 25, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 139
Views: 13491

Re: Is Hyundai the value sweet spot?

So I'm curious- as the Genesis brand is the luxury Hyundai brand, is the "upgrade" on par with what Toyota has done over the years with the Lexus? I've rented, driven, and test driven many cars over the last year - mostly luxury sedans. Hands down the one I would buy with my own money is the Genesi...
by wabbajack
Mon Feb 25, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4596

Re: Things to do in Indiana

Lived almost 6 years in Indianapolis. Seen about half the things people have suggested. They range from mediocre to good, but nothing impressive if you've seen real wonders. A lot of the museums and parks are good for the Midwest, but ultimately pale in comparison to the really impressive museums (t...
by wabbajack
Mon Dec 03, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2336

Crawl Space Fixin's - Do you really need it?

Over half a year into my first house. Many adventures along the way, and many dollars spent obviously... I find myself thinking about addressing my crawl space because it was one of the items in the inspection that was a major concern. House is in Midwest. Built in 1981. $150k market value. Current ...
by wabbajack
Mon Dec 03, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Why is Costco gas so much cheaper
Replies: 119
Views: 11285

Re: Why is Costco gas so much cheaper

I have had the best Costco gas experience, which sounds completely atypical from just about everyone else's posts on the subject. I live 3 miles away from my local Costco. There's never been a line to fill up in the last 6 months I've been a member. I require premium gas, which is at least $0.30 che...
by wabbajack
Fri Nov 16, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2768

Re: Need advice on (2) jackets.

There is also a type that has a black patch, much less obvious. They were sold out on that in the style I wanted. RM This happens to be the case for the black patch. People of discerning taste have figured that the colored patch is too obvious. OP, I would go with #1. Buttons are preferable to velc...
by wabbajack
Thu Nov 15, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 10
Views: 1225

Re: Lexus NX vs RX

Feel like asking for advice was just inviting a bunch of sanctimonious comments. I drove for 4 years in the city without getting any issues, but that was with a cheap car with tiny rims. I'm learning expensive lessons in driving nice cars that come with big rims as features. If you live in a part of...
by wabbajack
Thu Nov 15, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: Lexus NX vs RX
Replies: 10
Views: 1225

Lexus NX vs RX

I'm exploring swapping my fast-ish sedan (2017 Cadillac ATS) for one of the above cars in the title (Lexus NX or RX). I am soliciting opinions on those models specifically, or comparable models of CUV/SUVs at similar values. Most dealer prices for used ~MY2015 (<60k miles) models vary between the $2...
by wabbajack
Mon Nov 12, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Stop paying on life insurance policy?
Replies: 33
Views: 2642

Re: Stop paying on life insurance policy?

On the one hand, it is super cheap insurance for $500K policy, but on the other hand I don't really "need" it today. Consider that the reason the insurance is so cheap is because the actuaries have figured that the probability of payout is also similarly low. I'd say keep it just because it would m...
by wabbajack
Mon Nov 12, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 35836

Re: [Financial] Habits of the Rich

Understand opportunity cost.
Cruise wrote:
Mon Nov 12, 2018 1:45 pm
-While others party--you study.
Classic example of opportunity cost. Understand that every minute you spend doing X is a minute you cannot spend doing Y. Same with money.
by wabbajack
Mon Nov 12, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1260

Re: Prepaying for Rental Car - Availability Guaranteed?

I always prepay my car rentals. It saves about 10%.
The last car I got was a Volvo S90 from Sixt.
Before that, I got a C300 cabriolet from Sixt.

I'm a car enthusiast, and I consider renting to be an extended test drive of new cars, so I don't mind paying more for something nicer. YMMV.
by wabbajack
Mon Nov 12, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 712
Views: 120341

Re: High Earners - What's Your Profession?

Here's my go to joke when people ask about my profession: I don't do math unless I'm being paid Cracked 6-figures last year (age 25) and felt good about myself. After reading the last few pages, I feel like a pauper. According to statisticalatlas.com, I would be ~90th percentile for HHI for my city....
by wabbajack
Wed Nov 07, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6333

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

sambb wrote:
Tue Nov 06, 2018 12:51 pm
Panamera. Preowned if needed.
This is actually a great idea if you can stomach the following issues:
- You don't have clients who would raise eyebrows when you show up in a Porsche
- You actually like the *controversial* styling of the Panamera (I personally do)
by wabbajack
Wed Nov 07, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: 1/3 of Baby Boomers have no retirement savings...
Replies: 77
Views: 8553

Re: 1/3 of Baby Boomers have no retirement savings...

For many earlier generations sons and daughters took care of aging parents in farming communities. No retirement and no retirement savings were needed, but times have changed. I'm surprised this isn't given more discussion. The idea that retirement as one long weekend dong things like: traveling, g...
by wabbajack
Wed Nov 07, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: cost to rebuild hvac return in crawl space
Replies: 8
Views: 973

Re: cost to rebuild hvac return in crawl space

We are having a hard time getting other estimates b/c all the other companies say they are all booked! The technician says he can do the job in 1.5 days. $3,000 seems like an awful lot of money to pay for 1.5 days of work ($200/hr after materials??). Do you want to be working in a freezing crawlspa...
by wabbajack
Wed Nov 07, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7113

Re: Best deals to buy iphones

Don't know if I'm missing the joke as a non-American, but isn't roaming related to out of country usage only? Don't carriers all provide national coverage? They provide coverage across the nation but do have some spots (due to the vast size of the country) where they wont have coverage. in those ar...
by wabbajack
Wed Nov 07, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 7113

Re: Best deals to buy iphones

Neoseo1300 wrote:
Wed Nov 07, 2018 9:39 am
I don't frequently need roaming
I didn't think I needed it either. Until T-Mobile sent me a text to say that I had exhausted my 200MB data allocation when I was traveling through North/South Dakota.
by wabbajack
Mon Nov 05, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Am I buying too much house??! What kind of mortgage?
Replies: 33
Views: 6895

Re: Am I buying too much house??! What kind of mortgage?

I am upgrading on square footage, from 600 sq ft to 1300 in a much better area that’s more conducive to my overall happiness and quality of life (less traffic, closer to the beach, bik lanes etc). You are right on with the idea of investing extra $$ since my living expenses are so low, but after ma...
by wabbajack
Sun Nov 04, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3540

Re: Please help me with my car decision

Bicycling sounds like someone didn't read winter in Indiana. Why not sell the minivan and buy two identical Subaru Outbacks? They're cheap (relative to NW and income), easy to maintain, cheap to insure, and hold values pretty well. Sounds like this isn't really a problem, especially since OP even ha...
by wabbajack
Sun Nov 04, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6333

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

-1 on the Volvo S90. I drove a 2017 model for 850 miles last month, and while it's a very comfortable and decent car, it's not in contention with a 540i or E400. I would recommend the new E class with the giant dash screen over any prior E class models. No comment the BMW - friends have them but I p...
by wabbajack
Fri Nov 02, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 4313

Re: Thoughts on the New Macbook Air?

Except for some special uses (video editing, gaming, virtual machines) most any computer is more powerful than the average use needs. And if you are a serious gamer you'd be using Windows anyhow. Personally I don't need a computer for travel so I'd rather have the huge screen of a 27" iMac and when...
by wabbajack
Fri Nov 02, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4705

Re: 45% increase in marketplace insurance

Since the ACA has guaranteed issue, this will lead to an insurance death spiral. Healthy people will stop buying insurance, which makes the risk pool sicker. The cost of insurance will go up, which causes more healthy people to drop out. (...) You can break a death spiral by enacting an individual ...
by wabbajack
Thu Nov 01, 2018 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4705

Re: 45% increase in marketplace insurance

1. Go without health insurance like hundreds of millions have done in the past. If something happens, get on the exchange. If you have enormous bills in the meantime, work it out with the provider. In the unlikely event they refuse, file bankruptcy. +1. The insurance pricing reflects the risk that ...
by wabbajack
Thu Nov 01, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: 45% increase in marketplace insurance
Replies: 73
Views: 4705

Re: 45% increase in marketplace insurance

1. Go without health insurance like hundreds of millions have done in the past. If something happens, get on the exchange. If you have enormous bills in the meantime, work it out with the provider. In the unlikely event they refuse, file bankruptcy. +1. The insurance pricing reflects the risk that ...
by wabbajack
Wed Oct 31, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17812

Re: Good Non-Boring Boglehead Cars Under $30k

Wanted to make a follow-up to this surprisingly popular thread. After some more research and test driving, the top contender so far is the VW Golf GTI. The handling and overall fun factor in this little car was surprisingly very good. I don't think there is another car that is this sporty, yet prac...
by wabbajack
Mon Oct 29, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Washing machine/dryer shopping
Replies: 38
Views: 2955

Re: Washing machine/dryer shopping

A lot of posters commented on buying used, but nobody asked you what your clothes are like. That's what I would consider the #1 consideration. If your clothes are higher maintenance (only you can answer this), there will be a definite benefit to buying new for peace of mind. Personally, I went with ...
by wabbajack
Sun Oct 28, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6608

Re: Getting depressed with all this saving. :-(

m@ver1ck wrote:
Sun Oct 28, 2018 7:46 pm
Oh, and a new car too. 2010 RAV4 is depressing, and Subaru Forester just too darn uncomfortable to drive.
I just drove a Mercedes SL for 4 hours last night. Now I'm depressed that I have to get back into my pedestrian car (2017 Cadillac) for the rest of my life.
You're not alone.