Search found 1890 matches

by Starfish
Tue Sep 15, 2020 11:28 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 103
Views: 5724

Re: Coping with Wildfire smoke

All north states are affected. I moved with a friend in Arizona for almost 2 weeks.
I work from home, so no issue for me.
Kids had blast, played together etc. We went hiking together. It was great.
by Starfish
Tue Sep 15, 2020 2:18 am
Forum: Personal Consumer Issues
Topic: Buying a car?
Replies: 25
Views: 1974

Re: Buying a car?

What you have already seems like the best option for now, by far. Who cares about fuel now when you drive once a week and gas is so cheap? Insurance on the other hand at your age will be very expensive. But in case you change your mind, don't go close to a dealership. Sell privately, buy privately (...
by Starfish
Thu Sep 10, 2020 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4731

Re: How to stop judging how other people spend/invest

I don't know the OP's age, but maybe the OP is not old enough to see that the world is composed of all kinds of people and they are not like me nor you. Sorry, I just judged you. :twisted: Ha I'm 33 :D But I'm starting to realize I have this nasty habit of imposing my world view on others. Just try...
by Starfish
Thu Sep 10, 2020 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4731

Re: How to stop judging how other people spend/invest

All, Now that I've been implementing a Dave Ramsey/BogleHead/Index Only/Cash Only/No Debt lifestyle, I am sorry for that. It sounds terrible. I have a hard time with judging how others (family, friends, etc.) spend their money. I know it's not my money/doesn't affect me rationally, but when a frien...
by Starfish
Wed Sep 02, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Tesla Full Self Driving Option
Replies: 42
Views: 3401

Re: Tesla Full Self Driving Option

TravelforFun wrote: Wed Sep 02, 2020 8:01 am Those who have bought Tesla, did you also buy the FSD option? Why or why not? Personally, I find it hard to justify paying $8,000 in advance for an option that you don't know when it will be available.

TravelforFun
Oh, but I know. Not in the next decade.
by Starfish
Wed Sep 02, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Phoenix homes - backyard south facing okay?
Replies: 24
Views: 2909

Re: Phoenix homes - backyard south facing okay?

Just came back from a week in Phoenix. Although this was not the worst possible (had couple of rains) it's impossible for me to understand how people can stand the oppressive weather. The heat and especially the heat in the sun is unbearable and people live mostly inside. Its like living in a polar ...
by Starfish
Sun Aug 30, 2020 1:45 am
Forum: Personal Consumer Issues
Topic: Moving abroad with young children, no international connections: Crazy?
Replies: 64
Views: 5113

Re: Moving abroad with young children, no international connections: Crazy?

The main issue is professional. Working in Europe as an US trained physician could be easier than the other way around, but still difficult. For early retirement it is not the optimal thing to do, because incomes are smaller. It's like getting the worst of both worlds: expensive education instead of...
by Starfish
Fri Aug 28, 2020 10:48 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1566

Re: Dental office 401k advice

It seems you aren't considering how the 401(k) might (or might not) be an advantage for the business, i.e. employee recruitment and retention. My experience is that people care much less than you'd think. Have you actually tried to use it as a promotional? Not really, but had a questionnaire with t...
by Starfish
Fri Aug 28, 2020 10:22 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1566

Re: Dental office 401k advice

000 wrote: Thu Aug 27, 2020 9:17 pm It seems you aren't considering how the 401(k) might (or might not) be an advantage for the business, i.e. employee recruitment and retention.
My experience is that people care much less than you'd think.
by Starfish
Fri Aug 28, 2020 10:20 pm
Forum: Personal Investments
Topic: Dental office 401k advice
Replies: 23
Views: 1566

Re: Dental office 401k advice

Setting up a 401k plan for my office where my wife and I are both dentists. Through all the scenarios that have been ran (new comparative, pro rata, etc.) it seems that the demographics of our office and our age (mid 30's) are working against us. The best case scenario for my wife and I to max out ...
by Starfish
Fri Aug 28, 2020 8:35 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13754

Re: How much did you save?

sailaway wrote: Thu Aug 27, 2020 6:04 am We often find it sad when someone has very different priorities than us.
Sometimes yes. For example I think is sad to be homeless or have no medical insurance, even if by choice. Yes, I know, different priorities.
by Starfish
Fri Aug 28, 2020 8:15 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13754

Re: How much did you save?

Small amounts of money invested early compound to become large amounts in 30 years. Actually not really, depending on the increase in income. Many people have low income up their 30s and then it grows very rapidly. Even if you manage to save several thousands every year between 20 and 30, with comp...
by Starfish
Thu Aug 27, 2020 1:37 am
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13754

Re: How much did you save?

not there yet, but it doesn't take much if you earn 8% per year investing $300 a month from age 25-65 (40 years): =FV(.08/12,480,-300) gives you $1,047,302.35 source: https://www.kitces.com/blog/is-save-for-decades-then-quickly-double-your-money-and-retire-your-unintentional-retirement-advice/ make...
by Starfish
Thu Aug 20, 2020 2:48 am
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13754

Re: How much did you save?

not there yet, but it doesn't take much if you earn 8% per year investing $300 a month from age 25-65 (40 years): =FV(.08/12,480,-300) gives you $1,047,302.35 source: https://www.kitces.com/blog/is-save-for-decades-then-quickly-double-your-money-and-retire-your-unintentional-retirement-advice/ make...
by Starfish
Thu Aug 20, 2020 1:25 am
Forum: Personal Consumer Issues
Topic: My new hobby investing in luxury rugs.
Replies: 24
Views: 2201

Re: My new hobby investing in luxury rugs.

000 wrote: Wed Aug 19, 2020 5:31 pm I'd be worried about the "compound growth" of microorganisms...
Rugs are much cleaner than carpets present in most american houses (and probably a source of many allergies, asthma etc). You take them out and beat them every several months or so.
by Starfish
Thu Aug 20, 2020 1:22 am
Forum: Personal Consumer Issues
Topic: My new hobby investing in luxury rugs.
Replies: 24
Views: 2201

Re: My new hobby investing in luxury rugs.

This an online marketing/promotion post, obviously. Or maybe a virus?
by Starfish
Tue Aug 18, 2020 1:11 am
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13098

Re: When should one share financials with their children?

In my opinion, if you have a healthy relationship with your children there is no age limit to include them in financial decisions. I find very disturbing this secrecy between parents and children. Or is it a statement of the education values instilled by parents who don't trust their kids? Disturbi...
by Starfish
Mon Aug 17, 2020 12:46 pm
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13098

Re: When should one share financials with their children?

In my opinion, if you have a healthy relationship with your children there is no age limit to include them in financial decisions. I find very disturbing this secrecy between parents and children. Or is it a statement of the education values instilled by parents who don't trust their kids? For examp...
by Starfish
Tue Aug 11, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 4889

Re: Herman Miller Aeron chair

I find it hilarious that people are concerned about the price of a chair they will spend tens of thousands of hours sitting in... Based on this, the standard advice to buy a Corolla, which is both uncomfortable and unsafe, is completely crazy. :mrgreen: Anyway, working from home I sit in the same c...
by Starfish
Tue Aug 11, 2020 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Frustration with disability income insurance
Replies: 4
Views: 499

Re: Frustration with disability income insurance

How is the policy defined? What does it pay comparing to your income?
My assumption is lower the income and higher the payout, higher the chance to become disabled.
by Starfish
Mon Aug 10, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 4889

Re: Herman Miller Aeron chair

I cannot understand for the life of me why are these chairs 1000+. They are very simple, materials seem common. I have one at work, I was always convinced it is a 150$ chair until we moved in a different building and everybody moved their chair because "its a Herman Miller!". I might bring it home....
by Starfish
Mon Aug 10, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: tips for frozen food during power outage
Replies: 37
Views: 2589

Re: tips for frozen food during power outage

We have several freezers and backup power for all of them. If you don't have a generator or don't want to buy one, you can spend about $150 and get a nice inverter (1500-2000 watts) for your car. Attach it to the battery and use your car engine as a backup generator. You can rotate between powering...
by Starfish
Mon Aug 10, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: tips for frozen food during power outage
Replies: 37
Views: 2589

Re: tips for frozen food during power outage

Cubes of iron/steel actually work better because they are denser than ice. I'm not sure this is correct since the specific heat of water is higher than most other substances. In addition, if you are going from solid ice to liquid water, there is the latent heat in addition to specific heat. All the...
by Starfish
Sun Aug 09, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: Herman Miller Aeron chair
Replies: 64
Views: 4889

Re: Herman Miller Aeron chair

I cannot understand for the life of me why are these chairs 1000+. They are very simple, materials seem common.
I have one at work, I was always convinced it is a 150$ chair until we moved in a different building and everybody moved their chair because "its a Herman Miller!". I might bring it home.
by Starfish
Sun Aug 09, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: Silver: The Forgotten Precious Metal?
Replies: 88
Views: 4857

Re: Silver: The Forgotten Precious Metal?

There si entire table of elemnts there.
Why silver or gold and not rhodium, platinum, palladium? Why not osmium, which is very cool because is easiest to store (per weight not $ value :)). Iridium, ruthenium, rhenium are all interesting choices. :greedy
by Starfish
Sun Aug 09, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: tips for frozen food during power outage
Replies: 37
Views: 2589

Re: tips for frozen food during power outage

According https://www.insider.com/how-to-keep-food-from-spoiling-in-a-power-outage-2018-10 a full freezer will keep its temperature for 48 hours. I have read suggestions to put containers of water into the freezer before impending storm and that the ice it forms will help the freezer maintain tempe...
by Starfish
Thu Aug 06, 2020 5:10 pm
Forum: Non-US Investing
Topic: What is the equivalent of Vanguard in the EU?
Replies: 12
Views: 944

Re: What is the equivalent of Vanguard in the EU?

Source? Well, if you are going to be snippy about it, how about: https://www.mba.org/news-research-and-resources/research-and-economics/research-institute-for-housing-america/published-reports/2011-2009/international-comparison-of-mortgage-product-offerings See page 18 for a high-altitude view. Als...
by Starfish
Thu Aug 06, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: "One Spouse, One House" - don't housing needs change over time?
Replies: 25
Views: 1786

Re: "One Spouse, One House" - don't housing needs change over time?

We bought our first house at almost 40. It's a 2 bedroom house for 3 people. It's the first place where I lived for more than 5 years since I was 14 or so. I would not want to downsize from here, and upsizing is not necessary either. Meanwhile there is a house across the street which got sold and bo...
by Starfish
Thu Aug 06, 2020 3:10 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Several errors/misunderstandings here: However smaller vehicles can get very good grades in collision tests. To pick an extreme case, Smart ForTwo has better grades than many SUVs (or used to anyway). If the purpose is to buy a safe car, there are plenty which are not SUVs. This is true, but extrem...
by Starfish
Thu Aug 06, 2020 1:58 am
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

1. Not so mysterious. It's probably because bigger vehicles have more room for structural protection and crush zones, Or "probably" because they make a crush zone from whatever is in their path. However smaller vehicles can get very good grades in collision tests. To pick an extreme case, Smart For...
by Starfish
Mon Aug 03, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Slightly a tangent from this thread but what really annoys me to the extreme is an article I just saw last week - this "safety expert" who's an auto engineer or maybe a federal highway safety agency executive (can't remember) recommended choosing SUVs over a smaller, lighterweight car to parents as...
by Starfish
Mon Aug 03, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Me, I don't desire to be at a disadvantage for myself and my passengers. Nothing personal, it is just that I am willing to spend more for vehicles that improve my and any passengers safety. Broken Man 1999 Generally speaking that is not true. Most people would not spend 10-20-30k$ more for a vehicl...
by Starfish
Mon Aug 03, 2020 3:32 pm
Forum: Personal Investments
Topic: Taxes, am i getting this right?
Replies: 26
Views: 1779

Re: Taxes, am i getting this right?

RocketShipTech wrote: Mon Aug 03, 2020 1:07 pm You’ll be earning $200-$400k into your 80s? Is this passive income?
It's 2-4% WR from 10 million, so the assumption makes sense. It is oversimplified, obviusly.
by Starfish
Mon Aug 03, 2020 3:11 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Bingo! Have and RX330 and a Highlander, We take four 800 mile trips a year. I have avoided several highway accidents because I could see ahead. If I was in a car I would have at least two 75 MPH collisions. No doubt in my mind. Wife hated the lexus at first. Now won't even drive a car! Issue is tha...
by Starfish
Mon Aug 03, 2020 1:21 am
Forum: Personal Finance (Not Investing)
Topic: More than $500K profit on sale of primary residence
Replies: 24
Views: 3176

Re: More than $500K profit on sale of primary residence

On the same forum where we have topics about how to save 5$ people suggest donating hundreds of thousands? SMH...
by Starfish
Sun Aug 02, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Seriously, do people really care what someone else drives? I don't get it. 1. You breath what they exhaust. 2. You cannot park because they take 2 spots. 3. You see a teenager behind you texting while closing in at 70mph in the family Suburban while the traffic is stopped in front of you. I see all...
by Starfish
Sun Aug 02, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

I like having an SUV and can't imagine not owning one. I like the visibility and I like having a hauler. When it's time for my current SUV to be replaced, it will be replaced with another SUV. Bingo! Have and RX330 and a Highlander, We take four 800 mile trips a year. I have avoided several highway...
by Starfish
Sat Aug 01, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Maybe I am weird but who needs a truck more than once a year unless is very heavy into gardening and construction work? People who do fun stuff instead of just sitting around watching TV and drinking beer? Drinking beer is the opposite of fun? :mrgreen: There are plenty of fun stuff to do without t...
by Starfish
Sat Aug 01, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

I like having an SUV and can't imagine not owning one. I like the visibility and I like having a hauler. When it's time for my current SUV to be replaced, it will be replaced with another SUV. Bingo! Have and RX330 and a Highlander, We take four 800 mile trips a year. I have avoided several highway...
by Starfish
Sat Aug 01, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Do you make do without an SUV? If so, how? At what point for you would the scales be tipped with regard to "needing" an SUV: hauling larger items 3 times a year? Four times? Twice a year? In a world where truck rentals are $19 at every big box store, the need to carry big stuff would have to be wee...
by Starfish
Sat Aug 01, 2020 1:53 am
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1047

Re: Suggestions for Women's light-weight bike

Does it have to be a women bike? They look heavier then they should be from what I see, probably because of the geometry.
by Starfish
Fri Jul 31, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

Is this a serious question? How did all people live without SUVs until 20 years ago or so? Nobody needs an SUV (or a truck for that matter), with very few exceptions. OP here. It's quite obvious from some responses that some failed to note my use of quotation marks around the word "need," indicatin...
by Starfish
Fri Jul 31, 2020 11:02 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

We have never had an SUV and have 2 almost grown kids. Unless you have giant SUV they can't fit that much more than a car. You can get uhauls pretty cheap if needed. Van, pickup or straight truck. If you want one, get one. But you don't *need* one. For me Enterprise had always much better prices th...
by Starfish
Fri Jul 31, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Does a couple really "need" an SUV?
Replies: 222
Views: 11395

Re: Does a couple really "need" an SUV?

I understand all situations are different. However, I'm wondering how often the average suburban couple (no kids at home) actually "needs" an SUV. I am looking for personal experiences from similarly situated people and how inconvenient not having one would be. Is this a serious question? How did a...
by Starfish
Fri Jul 31, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1047

Re: Suggestions for Women's light-weight bike

Any bike except the aggressive road ones are hard to put on a car. The rack is the problem, not the bike. As indicated, I am having trouble lifting the bike , I find it to be heavy for me. It's not the rack, the rack is perfectly fine. I bought the Saris bones 2 rack. Sorry, I was under the false i...
by Starfish
Fri Jul 31, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Women's light-weight bike
Replies: 19
Views: 1047

Re: Suggestions for Women's light-weight bike

Any bike except the aggressive road ones are hard to put on a car. The rack is the problem, not the bike.
by Starfish
Fri Jul 31, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: Cyclists...where are you getting your masks?
Replies: 65
Views: 5640

Re: Cyclists...where are you getting your masks?

I bike but did not cross my mind to do it with a mask. Why?
I keep a surgical mask in my pocket, if I need to take a break for an ice-cream or coffee.
by Starfish
Fri Jul 31, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Science videos for middle school kids
Replies: 16
Views: 692

Re: Science videos for middle school kids

Physics, Chemistry and Biology for middle school are (or should) full of formulas and problems and hard words. I doubt a video would be efficient, at least for kids.
by Starfish
Thu Jul 30, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: Elementary school in Fall - choose Virtual or In-person
Replies: 120
Views: 8491

Re: Decision Model: How do you decide to send kids back to school ?

Easy peasy. My kid went the entire summer to summer camp. Decision taken.