Search found 233 matches

by wabbajack
Fri Nov 16, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 31
Views: 2118

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: 1040

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: 1040

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: 2459

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: 161
Views: 20021

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: 1137

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: 702
Views: 113446

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: 5973

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: 8112

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: 850

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: 6563

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: 6563

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: 26
Views: 4516

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: 3395

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: 5973

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: 3992

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: 72
Views: 4138

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: 72
Views: 4138

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: 72
Views: 4138

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: 16844

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: 2857

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: 6384

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.
by wabbajack
Sun Oct 28, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Sound reduction in large house
Replies: 17
Views: 2073

Re: Sound reduction in large house

I made the basement the place our kids wanted to go hang out. (I.e., that's how I made the rest of the house quieter.) +1 Assuming you have all the furniture, curtains, rugs, etc that you want... Maybe a good way to tackle the issue is to move the source of the noise? I'm not a parent, but why coul...
by wabbajack
Sun Oct 28, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7161

Re: How many miles (total) on car before buying another car ?

I’ve never bought these arguments. I am a firm believer that much of this tech is mitigating increasingly distracted driving. Don’t get me wrong, having a car that blinks when you get to close to the car in front of you, or a wheel that tugs you into your lane isn’t a bad thing, but I believe it is...
by wabbajack
Sat Oct 27, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7161

Re: How many miles (total) on car before buying another car ?

1) Safety protections have more to do with the age of a car and the systems installed. While all the electronic stuff is nice, I am a firm believer that active driving (no playing on phone), with front, side, and curtain airbags, antilock breaks, and traction control systems is as safe as you need....
by wabbajack
Fri Oct 26, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4388

Re: Canada Goose Jacket

I found this while looking up Canada Goose competitors: https://www.66north.com/us
It's not any cheaper, and you will have to ship (import) from Iceland, but I wanted to know if anyone has experience with 66 North?
by wabbajack
Wed Oct 24, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a House - Mortgage or Cash?
Replies: 16
Views: 2022

Re: Buying a House - Mortgage or Cash?

I am not excited about homeownership but with a growing family we need the space and agree it would be nice for the kids to exit the city. I say this so you are aware that I am not all that enthusiastic about the purchase but am bought in. I have so many things to tell you about how you may not nee...
by wabbajack
Wed Oct 24, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3891

Re: Car lease is up: buy it or get a new lease?

With your income and net worth I honestly find it silly to make any car payment at all on a vehicle. You can make enough money for a new civic in like a week and a half. Long term it's not the smartest to rent. Look at owning your residence some day. Lowers overall cash flow costs and you will stil...
by wabbajack
Wed Oct 24, 2018 11:07 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 82
Views: 8071

Re: Black Friday is coming.. what's on your list?

Nobody has mentioned this, but I might actually travel over Black Friday. It's a long weekend and my family is away. Might be some good deals.
by wabbajack
Wed Oct 24, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25647

Re: PSA: Don't buy a big house

I don't get it this McMansion stuff. Doesn't it cost the same or similar to build an ugly house as it does to build a decent looking house? Why are people paying for the ugly ones? One consideration with houses is location. If you have a location in mind, all the houses in that area may happen to be...
by wabbajack
Tue Oct 23, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2465

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

Our son and fiancee spend a fortune on boarding the dog every time they travel. Easier to take a child on a trip than a dog. I do this. It costs about as much as my hotel/Airbnb wherever I go. Of the 10 or so trips I've taken in the last two years, I only took my dog to one of those - 2 star motel ...
by wabbajack
Tue Oct 23, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 3891

Re: Car lease is up: buy it or get a new lease?

Keep leasing. You don't care about cars and don't want to learn how to fix one? Don't blame you - I wouldn't either if I never enjoyed driving them. The virtue of low monthly payments is that you're not just paying for the car - you're paying for the peace of mind that you will never *ever* have to ...
by wabbajack
Tue Oct 23, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4388

Re: Canada Goose Jacket

Typical heavily branded overpriced status symbol. You can get same or actually better high quality winter parka from Mountain Hardware, Marmot, or North Face for half the price. I guess it's all right when an adult buys one with their own funds, but my son tells me that at Yale, students wearing Ca...
by wabbajack
Mon Oct 22, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4388

Re: Canada Goose Jacket

Which one did you get? I've been window shopping, but it appears that all the good ones in my size are perpetually sold out. Chateau This one? https://www.canadagoose.com/us/en/chateau-parka-black-label-3426MB.html Had it bookmarked last spring, but didn't want to buy it months before I would use i...
by wabbajack
Mon Oct 22, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4388

Re: Canada Goose Jacket

Which one did you get? I've been window shopping, but it appears that all the good ones in my size are perpetually sold out.
by wabbajack
Mon Oct 22, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25647

Re: PSA: Don't buy a big house

Now we are empty nesters and looking in the Southlake area of DFW. Would love to downsize, but no one builds small houses in TX in this area. (...) But to get the nice areas we would use, you have to have a media room, game room and 3 extra bedrooms. Barf. Also keep in mind when you tell everyone t...
by wabbajack
Sun Oct 21, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Buying an apartment in China
Replies: 14
Views: 1620

Re: Buying an apartment in China

Currency risk. Your RMB asset might appreciate 10% a year but the RMB has depreciated 10% against the USD in just the past six months. Regulatory risk. The Chinese government has been heavy-handed in the past in trying to cool property markets. You may find real estate liquidity to be constrained a...
by wabbajack
Sun Oct 21, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5640

Re: 8 reasons why pensions are [good]

Is " [good --admin LadyGeek] " the word you really want to use here?? I am sad that I will never know what the [good] word was. Where I live in Indiana, I've run into people from Illinois who have crossed the border to escape the property tax increases to pay for public pensions. There are implicit...
by wabbajack
Sun Oct 21, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 3076

Re: Why Purchase an Automobile using Premium Gasoline?

Automobiles using regular, unleaded gasoline typically, I think, get better mileage and have comparable torque and acceleration in my experience. What justifies the choice of significantly more expensive fuel other than simply a preference for a model requiring it? Define comparable torque and acce...
by wabbajack
Sun Oct 21, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 18
Views: 1081

Re: Short trip to Orlando with my parents and children

I have no idea what it's like with kids or grandparents, but I would say that a visit to Disney is worth it. Particularly since there's not going to be a large crowd. I just came from Animal Kingdom last week. There weren't any roller-coaster rides that were the main attraction. The "one to do" was ...
by wabbajack
Sun Oct 21, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30204

Re: High End Wrist Watches (Gone Crazy)

I visited a local watch seller at my local mall, and checked out a few watches from Rolex and Breitling. As someone who is learning about high end mechanical watches, I would say they were a disappointment. Sure they were nice, almost too shiny and blingy, but the casebacks were solid metal, so you...
by wabbajack
Sun Oct 21, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6044

Re: Pull kids from school for vacations?

I wish my parents would pull me out from school more often. I was often bored and coasting to make A's. I know if I was a parent and a travel opportunity came up, and my kid(s) are making grades no problem, I would just pull them out of school for a week. If the school gave me trouble, I'd flip them...
by wabbajack
Fri Oct 19, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Home Buying Books. [Looking for books about buying a home]
Replies: 5
Views: 416

Re: Home Buying Books. [Looking for books about buying a home]

As a first time buyer <3yrs ago, there is an endless amount of information about this on the internet, I'm not so sure reading a physical book would provide any benefit over a Google search. +1 As a first time buyer 6 months ago, I can tell you things change too quickly for books to be relevant. A ...
by wabbajack
Fri Oct 19, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 947

Re: Replace roof or wait .... and

The only thing nearly guaranteed when selling a house is that you won't get all your money back from improvements you made right before selling. As long as the roof isn't leaking, I would discount the selling price by half the cost of the repair as a starting point. +1 There is one qualitative aspe...
by wabbajack
Thu Oct 18, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30204

Re: High End Wrist Watches (Gone Crazy)

Folks with automatic watches that use watch-winders: Do you simply buy whatever looks okay to you on Amazon or is there something specific that you like? My 5-year-old winder stopped working so looking to get another one (I think I paid $40 for it on Amazon so feel I got my money's worth - but that...
by wabbajack
Thu Oct 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5912

Re: Anyone done a Hair Transplant?

Since I'm also interested in the OP's subject, I have to assume that he's as frustrated as I to see three dozen posts so far, most of which (although offered in a cheerful and supportive spirit) are completely irrelevant to what he requested: feedback from men who actually did a hair transplant. I ...
by wabbajack
Thu Oct 18, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1467

Re: To replace old Volvo

You know what you should replace an old Volvo with? A new Volvo. I drove 850 miles over 3 days in a rental Volvo S90. It was sublime. You can get a gently used model (15k miles, 2018 MY) for $33k and this could be the last car you'll ever need. https://www.autotrader.com/cars-for-sale/vehicledetails...
by wabbajack
Wed Oct 17, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30204

Re: High End Wrist Watches (Gone Crazy)

The least important thing a watch does is tell the time. I like to see what watch collections people have amassed. It's a fun little game of guessing the personality of a person from their collection of cars/watches/art/furniture. I recently got back into watches after going through years without we...
by wabbajack
Mon Oct 15, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6420

Re: When to stop putting money into an older vehicle

delamer wrote:
Sun Oct 14, 2018 1:55 pm
First, I would not drive a 15 year old vehicle. There have been too many safety improvements in the intervening years.
+2
What's your net worth compared to the cost of the vehicle? The most dangerous thing most people do every day is driving.
by wabbajack
Sun Oct 14, 2018 9:42 pm
Forum: Personal Consumer Issues
Topic: Boglehead's Car Talk
Replies: 35
Views: 3421

Re: Boglehead's Car Talk

RootSki wrote:
Sun Oct 14, 2018 9:24 pm
Life is too short to drive boring cars.
+ 1 million