Search found 1155 matches

by Starfish
Wed Jun 26, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Early wedding funding for my young kids: Great Strategy!!!
Replies: 22
Views: 3349

Re: Early wedding funding for my young kids: Great Strategy!!!

I think the OP solves an *(maybe nonexistant? issue in the wrong way. Having to come up with an "ungodly amount to try to keep up with some of our friends' weddings" is just not mandatory and it would have worried me a lot more than the availability of money. The problem should have been solved at t...
by Starfish
Wed Jun 26, 2019 7:49 pm
Forum: Personal Investments
Topic: Received $2.5M in cash that I need to plan for
Replies: 16
Views: 3458

Re: Received $2.5M in cash that I need to plan for

My wife and I are 30 years old and live in a HCOL area. She makes a small salary that isn’t enough for her to contribute to her 403(b) and support herself, so I’m thinking of having her contribute to her 403(b) in full and just provide her with the difference from some of these recent proceeds (unt...
by Starfish
Wed Jun 26, 2019 12:51 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 44163

Re: What lifestyle creep made you happier?

But I think nicer things can make people a little happier too. Another way to look at this. You have nicer things than probably 99% of everybody who ever lived, including kings, emperors, etc. Almost everybody in the US today who is not in abject poverty does. This is not entirely true. Why we have...
by Starfish
Tue Jun 25, 2019 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12742

Re: How did you lower your annual expenses?

I use few principles: 1. Shopping: any shopping has to come from a need which is identified in the field, not in the store/website. If I am at home and I need a hammer, I have a need and I will buy a hammer next time in Home Depot. I rarely wait for a price reduction. I don't buy things because I se...
by Starfish
Mon Jun 24, 2019 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12742

Re: How did you lower your annual expenses?

My expenses only went up over my lifetime.
15 years ago I was spending ~1000$/month in one of the top 3 most expensive counties in the country. I was also flying to Europe for at least a moth a year. Life was good.
Now I spend many times more and I do nothing fancy.
by Starfish
Mon Jun 24, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12742

Re: How did you lower your annual expenses?

RollTide31457 wrote:
Mon Jun 24, 2019 8:11 pm
Our keys to success include the following:

1. No daycare expenses
2. No international travel expenses
3. No Whole Foods expenses
4. No unnecessarily expensive meals at non-chain restaurants
5. No wine expenses
Success?
by Starfish
Mon Jun 24, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 6737

Re: How much to budget for a week long vacation for 2?

Yup. Most of the numbers being thrown around here are bizarro world to me, but vacations for us aren't 2 weeks in the Caribbean. Our next family (4) vacation is 9 days in California the end of September. Including a day at Disneyland and another at Knott's Berry Farm we are budgeting $1500 total. O...
by Starfish
Mon Jun 24, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: How much to budget for a week long vacation for 2?
Replies: 91
Views: 6737

Re: How much to budget for a week long vacation for 2?

As already discussed, it is hard to come with an answer. If I had time my traveling would be cheaper that living in US because most places are cheaper than California. We don't do tours, we walk a lot, hike etc. Flying can be cheap or free, especially if not frequent (stay in a place for long), and ...
by Starfish
Fri Jun 21, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: breathable office shoes
Replies: 16
Views: 1836

Re: breathable office shoes

About 20-30% of the people at my work were sandals or flip flops. Mostly with sock. It's ugly but it works for them.. I guess.
by Starfish
Wed Jun 19, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3442

Re: Best way to teach my 4 year old to be fluent in Spanish?

I don't think there is any way to make a kid fluent in a language they don't speak daily at length. Ask any immigrant family. The kids, once they enter the education system, don't speak the language anymore, unless they go to specialized schools. We struggle teach our kid to speak at least a little...
by Starfish
Tue Jun 18, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: Best way to teach my 4 year old to be fluent in Spanish?
Replies: 53
Views: 3442

Re: Best way to teach my 4 year old to be fluent in Spanish?

I don't think there is any way to make a kid fluent in a language they don't speak daily at length. Ask any immigrant family. The kids, once they enter the education system, don't speak the language anymore, unless they go to specialized schools. We struggle teach our kid to speak at least a little ...
by Starfish
Tue Jun 18, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 38320

Re: For those who earn $500k+ per year. How'd you do that?

The issue in medicine more then anything is the loss of autonomy. The docs in the past worked VERY hard (hours away from family and personal hobbies) but were happier as they had control of their professional lives. Doctors not being happy is mostly their fault. Why doctors EVER thought joining as ...
by Starfish
Tue Jun 18, 2019 7:45 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

The best for the battery is to keep the computer plugged in but charged only at 50% (it's a setting somewhere, even Lenovo has it).
by Starfish
Tue Jun 18, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 38
Views: 2538

Re: Turkish Airlines ?

The loss of Malaysian MH370 in 2014 was probably in part due to lack of security by the airline. For example, USA airlines have 2 in cockpit rule to help prevent pilot sabotage, whereas international airlines have balked at that. After the Germanwings crash/suicide 2015, some EU airiines finally ad...
by Starfish
Mon Jun 17, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Turkish Airlines ?
Replies: 38
Views: 2538

Re: Turkish Airlines ?

Any airline flying between US and Europe has to pass safety regulations, so there is no "bad airline". I flew Wow, XL, Aer Lingus and but it never crossed my mind to doubt them. In terms of comfort, he general principle is that the US airlines are the worst, low cost west European slightly better (o...
by Starfish
Mon Jun 17, 2019 8:40 pm
Forum: Personal Investments
Topic: How to balance retirement investments vs. house/car down-payments as a 20-something year old?
Replies: 5
Views: 580

Re: How to balance retirement investments vs. house/car down-payments as a 20-something year old?

If you are living on 500$ at 25 you are doing it wrong (unless all your living expenses are paid by parents). There are many ways the quality of your life is affected, not only by not having enough money saved. If I were you I would save less and put more in 401k because it costs you less in terms o...
by Starfish
Mon Jun 17, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1493

Re: Dental/Vision Insurance for Baby

While genetics is important, quality of food and brushing correctly goes a long way.
If you let a toddler or even primary school kid to brush themselves with a manual brush, and eats sweets and drinks soda and fruit juice, you cannot expect much.
by Starfish
Mon Jun 17, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

Comparing with a cellphone, battery is ok for ~3 years or 1000 incomplete cycles.
by Starfish
Mon Jun 17, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

Just change the battery. It's not that expensive. If you keep it plugged in, there is a "battery conservation" mode. There's nothing wrong with the batteries right now. I'm thinking ahead on how to best extend the life of them by . . . not using them? or minimizing battery use? j Ideally battery ha...
by Starfish
Mon Jun 17, 2019 6:39 pm
Forum: Personal Consumer Issues
Topic: Extend MacBook Battery Life by plugging in as much as possible?
Replies: 49
Views: 3533

Re: Extend MacBook Battery Life by plugging in as much as possible?

Just change the battery. It's not that expensive.
If you keep it plugged in, there is a "battery conservation" mode.
by Starfish
Mon Jun 17, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Cancel collision coverage on older car?
Replies: 79
Views: 6485

Re: Cancel collision coverage on older car?

I don't carry comprehensive or collision on a brand new car, ever. I know that's a bit extreme, but my insurance costs are super low. I had the same philosophy, but I went through an accident were I was not at fault and the other driver insurance refused to pay. As my insurance had nothing to pay (...
by Starfish
Mon Jun 17, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4202

Re: how is Home Depot's contractor service (for a water heater)?

I just checked my daily consumption when I am away: ~50c/day. This is how much it costs me to keep the water hot. At 50c a day it would takes years or decades to pay back the investment. One has to deduct the cost of the replacement tank from the extra cost of an on demand unit. They hang on a wall...
by Starfish
Mon Jun 17, 2019 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49256

Re: Why are you NOT buying rental properties?

What exact area are you speaking about then? Bay area for example, but I am sure there are plenty of others. Per your request.... https://www.bayareamarketreports.com/trend/3-recessions-2-bubbles-and-a-baby I see a graph going up almost continuously, and in very few years staying constant. Absolute...
by Starfish
Mon Jun 17, 2019 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49256

Re: Why are you NOT buying rental properties?

Every area I have seen has a cycle …. To have a cycle one has to identify at least one previous period of the boom-bust cycle. What exact area are you speaking about then? Bay area for example, but I am sure there are plenty of others. Per your request.... https://www.bayareamarketreports.com/trend...
by Starfish
Mon Jun 17, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49256

Re: Why are you NOT buying rental properties?

In general all you need to do is wait - the cycle always repeats itself. What cycle? My area is exactly as Wilthrill81 describes and there no cycle ever. There were some very short small blips, at most. Every area I have seen has a cycle …. To have a cycle one has to identify at least one previous ...
by Starfish
Mon Jun 17, 2019 2:36 am
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4202

Re: how is Home Depot's contractor service (for a water heater)?

If you have natural gas get an on demand water heater. It saves big bucks over the tank type. If not I would have a contractor look at it and let him handle it. I am interested in your computations. On demand water heater is more expensive, can require gas pipe upgrades and requires maintenance. Al...
by Starfish
Mon Jun 17, 2019 2:29 am
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49256

Re: Why are you NOT buying rental properties?

(5) Buy below market value. I don't think that's been possible for at least a couple of years in our area. Houses are on the market for days, sometimes hours, and are regularly bought with cash and no contingencies, not even an inspection. Rents are increasing but certainly not at the same pace as ...
by Starfish
Mon Jun 17, 2019 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5538

Re: Job opportunity - KSA/Bahrain

You live in the greatest country in the world with the most freedoms. You would think Bogleheads are above pure propaganda, but it seems not... :D Ha. It was a little patriotic. I’ve heard good things about living in the Nordic countries, but I don’t like cold weather. So, I stand with my statement...
by Starfish
Sat Jun 15, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49256

Re: Why are you NOT buying rental properties?

(5) Buy below market value. I don't think that's been possible for at least a couple of years in our area. Houses are on the market for days, sometimes hours, and are regularly bought with cash and no contingencies, not even an inspection. Rents are increasing but certainly not at the same pace as ...
by Starfish
Sat Jun 15, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4898

Re: Anyone buy Security Cams from Costco?

I've been happy using my Synology NAS as an NVR with POE cameras. Which PoE cameras are you using outside? https://www.amazon.com/gp/product/B00VGTRQO2/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1 I purchased it in 2016 and am happy. Synology software includes a license for one or two cameras. A...
by Starfish
Sat Jun 15, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4898

Re: Anyone buy Security Cams from Costco?

It's true, if you want to use your cameras for security, wifi is not a good solution. I am not sure what other folks are utilizing their security cameras for. When we reached out to our local PD and their support group about these cameras they recommended to go with wired cameras if at all possible....
by Starfish
Sat Jun 15, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 13573

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Yeah, it is basically on-par with other supercars like Lamborghini and Ferrari. https://www.motortrend.com/cars/audi/r8/2017/2017-audi-r8-v10-plus-first-test-review/ Maybe you are thinking of Audi's S-Line like RS7, S5, S4 Etc. those would be the sports car models in the Audio line-up. Is an Audi R...
by Starfish
Sat Jun 15, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Anyone buy Security Cams from Costco?
Replies: 60
Views: 4898

Re: Anyone buy Security Cams from Costco?

I am not sure what other folks are utilizing their security cameras for. When we reached out to our local PD and their support group about these cameras they recommended to go with wired cameras if at all possible. That and many other tips on how to do the install, viewing options, and placement of...
by Starfish
Sat Jun 15, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4202

Re: how is Home Depot's contractor service (for a water heater)?

If you have natural gas get an on demand water heater. It saves big bucks over the tank type. If not I would have a contractor look at it and let him handle it. I am interested in your computations. On demand water heater is more expensive, can require gas pipe upgrades and requires maintenance. Al...
by Starfish
Sat Jun 15, 2019 12:59 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4195

Re: My Bad Experience With Angie's List

The review industry is based on blackmail: you pay, your score is good and negative reviews have less weight or get discarded. You don’t and they get heavier weight and become more prominent.
Sometimes (if not most of the time) they are just fake, written by paid people or bots.
by Starfish
Sat Jun 15, 2019 2:22 am
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

In addition to larger tanks you can also run the heater at a higher temperature, that results in using less hot water because you don't need as much of it to get the desired temperature. Do be careful because too high will produce scalding water on the hot setting. Like a previous poster said a 50 ...
by Starfish
Fri Jun 14, 2019 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Job opportunity - KSA/Bahrain
Replies: 66
Views: 5538

Re: Job opportunity - KSA/Bahrain

renue74 wrote:
Tue Jun 11, 2019 2:59 pm
You live in the greatest country in the world with the most freedoms.
You would think Bogleheads are above pure propaganda, but it seems not...
by Starfish
Fri Jun 14, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Dental/Vision Insurance for Baby
Replies: 33
Views: 1493

Re: Dental/Vision Insurance for Baby

An 814.44 increase for dental, adding our son. Is it likely a 1.5 year old will have dental costs of more than 500. Huh? Why would a 1.5 year old have ANY dental costs? My kid is 7. He-s been twice to the dentist, one time for a little sealing on something that looked like a dot and once because he...
by Starfish
Fri Jun 14, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Watch experts: Bucherer with orange face????
Replies: 12
Views: 1559

Re: Watch experts: Bucherer with orange face????

Steelersfan wrote:
Fri Jun 14, 2019 6:56 pm
I don't see your model but you might find something comparable to get you in the ballpark:

https://www.watchpatrol.net/?brand=Archimede
The brand is Bucherer, not Archimde...
by Starfish
Fri Jun 14, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10017

Re: Walking Cities, potential for retirees

Is is walkable if you have to jump over the homeless and puddles of urine? The problem with walk-able american cities is that they are not a pleasure to walk, with very few exceptions. To me walkable means not a place where you COULD walk to a grocery store if you had to, but a place where it's a pl...
by Starfish
Fri Jun 14, 2019 5:16 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

A 50 gallon water heater does not provide 50 gallons of hot water. For each gallon of hot water you consume from the tank, a gallon of cold water goes into the tank. Yes, they try to design it so the hot water stratifies from the cold, but only so much can be done. After you have used half of the w...
by Starfish
Fri Jun 14, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

I had a 50 gallon gas water heater in our last house. With two people taking showers simultaneously, the hot water ran out very quickly. 75 is the only choice in your case. 50 gallon replacement was $1600 about 2 years ago from the most expensive big name plumber (with the TV ads). I went with a lo...
by Starfish
Thu Jun 13, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

Twin 50 gal in series is the answer Unlimited hot when you want it Throttle back to one on when you don’t Seems like real "overkill" to me. I have two 75 gallon tanks. Overkill maybe, but the other benefit is that you will never be without hot water if one tank fails as they are daisy-chained toget...
by Starfish
Thu Jun 13, 2019 1:43 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11191

Re: Retired at 35 and have no friends :(

Now that I've left the corporate life and have free time on weekdays, I find that I have very little social life. A lot of people say this when they retire but I don't think it is true. You have exactly the same social life now as you had before you quit working. Social life is what happens outside...
by Starfish
Thu Jun 13, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

Why not a tankless water heater? We had a Rinnai tankless installed 5 years ago and it's been great, infinite hot water. How does the upfront cost of tankless compare? The estimate we got from the same company for a Navien tankless was $4,200. I haven't really considered the tankless b/c it's expen...
by Starfish
Thu Jun 13, 2019 1:06 am
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2375

Re: Recommend an American medium size car

Stay away from CarMax. "No haggle" pricing just means that they will give you a rip off price, and you're not allowed to counter offer. It's also amazing to me how many people are willing to give up thousands of dollar because of a little haggling. It's not that hard, nowadays you do it through ema...
by Starfish
Thu Jun 13, 2019 12:02 am
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 4189

Re: 50 or 75 gallon water heater?

The most expensive 50 gallon is 8-900$ or so. Installation is straightforward.
In my case Home Depot quoted 1700 installed plus inspection costs.

For 3 people we have 40 gallons. We never had any problems.
by Starfish
Wed Jun 12, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: [Forget] The Seaweed! We're Headed For Cancun!!
Replies: 17
Views: 1549

Re: [Forget] The Seaweed! We're Headed For Cancun!!

You can have a very nice vacation in Riviera Maya. It's a pity (or maybe better?) that many people stay on the beach all the time. There are ruins to see, caves and cenotes to visit. Check the parks like Xel-Ha, see Tulum, do some cave diving, snorkeling, sailing etc Plenty of things. For cenotes an...
by Starfish
Tue Jun 11, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9870

Re: Naval on getting rich.

What their are saying is that MZ twins are more likely than EZ twins to take a similar career path. But it is any career path. What I'm saying is that those two grew up with everybody around them unable to tell them apart. No big surprise if they end up being showing similar character, taste, incli...