Search found 184 matches

by tea_pirate
Wed Nov 06, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Federal Dental and Vision insurance - Opt out?
Replies: 6
Views: 578

Re: Federal Dental and Vision insurance - Opt out?

I'm planning to cancel my GEHA dental this upcoming open season. I cancelled the vision plan last year. The plans just seem like a raw deal unless you have bad teeth. They're made worse by the fact that most FEHB plans cover some or all of preventative dental care. Last time I got a cleaning, my FEH...
by tea_pirate
Mon Nov 04, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 544
Views: 72273

Re: Flaunt Your High-Mileage Car

2015 Prius with 151,000 miles All maintenance to date: 15 oil changes 5 cabin/engine air filters 1 transmission fluid change 1 set of tires 1 set of spark plugs Still riding around on the OEM brakes. 8-) I'm coming down to my last few days of commuting over 100 miles per day. New job will be 100 mil...
by tea_pirate
Tue Oct 29, 2019 10:56 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4370

Re: No more Vanguard... wow

Annoying clickbait title.
by tea_pirate
Sun Oct 27, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Is this new to engineering job hunting?
Replies: 33
Views: 4238

Re: Is this new to engineering job hunting?

Many engineering fields are not as in demand as many people believe or claim (and that goes doubly for the 0-2 years of experience crowd). Now combine that with the average kid graduating with a mid-5 figure student loan balance which means they need a job nearly ASAP after graduation to start makin...
by tea_pirate
Wed Oct 16, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2639

Re: Commuting dilemma

Keep the Lexus, you can get it to 250-300k easily. My relative did 200 miles per day in a 2008 (?) Lexus ES330. He ran it up to 350k miles with no major repairs required and then gave it to my sister because he wanted something new. It still ran well for a couple years after that. For those saying P...
by tea_pirate
Wed Oct 16, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Commuting dilemma
Replies: 34
Views: 2639

Re: Commuting dilemma

What occurs to me is figuring out how to not do this commuting. I think I would estimate you are adding 12 hours of work every week just commuting. You are also quadrupling your chances of being killed or injured in an auto accident. Traveling that many miles day in week in all year doesn't make a ...
by tea_pirate
Thu Oct 10, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8065

Re: My mechanic just wrecked my car - advice?

I'm amazed at the replies. 1. I would suggest NOT calling your own insurance company. Terrible advice, you can and will be dropped by your insurance company if you attempt to conceal an accident from them and they find out about it later. Wrong. The garage will have insurance that covers property t...
by tea_pirate
Thu Oct 10, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8065

Re: My mechanic just wrecked my car - advice?

NewbieBogle007 wrote:
Wed Oct 09, 2019 6:37 pm
I'm amazed at the replies.

1. I would suggest NOT calling your own insurance company.
Terrible advice, you can and will be dropped by your insurance company if you attempt to conceal an accident from them and they find out about it later.
by tea_pirate
Mon Sep 30, 2019 9:35 am
Forum: Investing - Theory, News & General
Topic: S&P indexes may never hold some unicorns. Thoughts?
Replies: 39
Views: 3507

Re: S&P indexes may never hold some unicorns. Thoughts?

The reality is that many individual stocks DO have a significant impact on index portfolios. Microsoft and Apple make up close to 10% of the SP500 all to themselves. 2 companies out of 500 drive nearly 10% of the returns for the most-tracked investing index. That's just the price you pay for follow...
by tea_pirate
Thu Sep 26, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: Tips on 3D printing order/company?
Replies: 6
Views: 409

Re: Tips on 3D printing order/company?

Printing is easy and cheap. The difficult part is designing the STL object. Many people don't seem to understand this. Most of my friends/coworkers know that I have a 3D printer, so I will often get "hey can you print me X." Sure, just give me a 3D model and unless it's a huge print I'll do it for ...
by tea_pirate
Sat Sep 21, 2019 6:55 am
Forum: Personal Consumer Issues
Topic: Help! Bought new car and don't like it
Replies: 37
Views: 6777

Re: Help! Bought new car and don't like it

Cycle wrote:
Fri Sep 20, 2019 5:48 pm
Ride a bike for several weeks. You'll quickly realize cars are all the same and find car ads hilarious
Keep it up, cyclists are slowly passing vegans and crossfitters for the most universally hated lifestyle groups. :oops:
by tea_pirate
Tue Sep 17, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Noise
Replies: 31
Views: 3075

Re: Noise

I would have a sudden desire to purchase and learn how to play the bagpipes. Preferably right in front of an open window that faces directly at your neighbor's house. When the people in the apartment below me would blast music late at night that I could hear through the floor while trying to sleep, ...
by tea_pirate
Tue Sep 17, 2019 9:38 am
Forum: Personal Finance (Not Investing)
Topic: I know you shouldn't try to time the market but what about the "housing market"?
Replies: 16
Views: 2238

Re: I know you shouldn't try to time the market but what about the "housing market"?

I think I would keep throwing my money away on rent until the price came to a level I was comfortable buying for. Never would be fine. Can easily buy now but currently waiting for more attractive deals. Leverage is fueling demand, specifically for entry level homes. I do not expect a 2008-esque cra...
by tea_pirate
Tue Sep 17, 2019 9:23 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9345

Re: Do You Tip At Counter Service Restaurants?

With a $15 minimum wage I probably would not tip other than in exceptional circumstances if I was not waited upon. Except they still expect you to tip. http://www.seattlemag.com/article/guide-gratuity-new-15-hour-era Well, expectations derive from experience. That said, the article in seattlemag.co...
by tea_pirate
Tue Sep 17, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9345

Re: Do You Tip At Counter Service Restaurants?

I'm not going to feel bad about it anymore. Thanks all for your responses. This thread was a good read and I certainly won't feel bad anymore either. I will admit to having been duped in the past for things like food trucks where they have those stupid tablets and they spin it around with the optio...
by tea_pirate
Thu Sep 12, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: What older products/tools are better than modern equivalents?
Replies: 54
Views: 4296

Re: What older products/tools are better than modern equivalents?

Razors. I'll take a safety razor over whatever quintuple-bladed marketing gimmick that Gillette has come up with any day.
by tea_pirate
Thu Sep 12, 2019 7:01 am
Forum: Personal Investments
Topic: Teenager wants to save...
Replies: 29
Views: 2146

Re: Teenager wants to save...

Prettyfrtnt wrote:
Wed Sep 11, 2019 9:19 pm
90% VTI/VXUS and 10% bonds.
Use VT/VTWAX (Vanguard Total World Equity) instead for the equity portion. One fund and no worries about rebalancing.
by tea_pirate
Wed Sep 11, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

As was pointed out earlier, your 5 MPG gain is based on comparing apples (Toyo) to oranges (Bridgestone Ecopia). The only value that matters here is what you would gain going from Michelin Defenders to Michelin Energy Savers. That's my entire point, the Defenders versus the Energy Savers is an appl...
by tea_pirate
Wed Sep 11, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

Use some simple logic - if the stopping distance difference from using Defenders is significant compared to the Energy Savers, then the fuel economy difference should also be significant since the primary variable in both of those scenarios is the friction of the tire on the pavement. You can't hav...
by tea_pirate
Wed Sep 11, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

The MPG difference between Energy Savers and Defenders is very, very small. Like 0.2 MPG. Nowhere near 2 to 3 mpg. This is not reflected by the real-life experiences of hundreds of posters on the Priuschat forums who report drops of 3-5 MPG when switching away from LRR tires. Unless the comparison ...
by tea_pirate
Wed Sep 11, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

The MPG difference between Energy Savers and Defenders is very, very small. Like 0.2 MPG. Nowhere near 2 to 3 mpg. This is not reflected by the real-life experiences of hundreds of posters on the Priuschat forums who report drops of 3-5 MPG when switching away from LRR tires. Unless the comparison ...
by tea_pirate
Wed Sep 11, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

I also have a 2015 Prius, but a different trim with the 17" wheels. I would go with the Low Rolling Resistance Tires. My Prius came with some regular Toyo tires on there. I got 70k miles out of those. I'm currently running Bridgestone Ecopia EP422+. I've got 75k miles on them and although I could pr...
by tea_pirate
Wed Sep 11, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Michelin Energy Saver A/S tire for 2015 Prius 3
Replies: 31
Views: 1713

Re: Michelin Energy Saver A/S tire for 2015 Prius 3

RickBoglehead wrote:
Wed Sep 11, 2019 5:51 am
The MPG difference between Energy Savers and Defenders is very, very small. Like 0.2 MPG. Nowhere near 2 to 3 mpg.
This is not reflected by the real-life experiences of hundreds of posters on the Priuschat forums who report drops of 3-5 MPG when switching away from LRR tires.
by tea_pirate
Thu Sep 05, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: How to help niece improve her driving
Replies: 94
Views: 6106

Re: How to help niece improve her driving

Huh? How are "not following too closely, not checking blind spots, weaving in traffic, speeding..." not part of being a skilled driver? FWIW, I am not advocating for getting the niece to do autocross. As far as I am concerned this is really easy: don't get in the car with niece. Some people are jus...
by tea_pirate
Thu Sep 05, 2019 7:15 am
Forum: Personal Finance (Not Investing)
Topic: How often do you receive out-of-sequence pay bumps?
Replies: 56
Views: 3368

Re: How often do you receive out-of-sequence pay bumps?

Annual raise? That's a good one. Very baby boomer centric and from what I hear, common in the 60's. No, Megacorp has annual excuses. Wage freeze (for random reason), stagnant business cancels all raises, executives did something extra stupid, so we get to share the pain. I do remember 2 years ago b...
by tea_pirate
Wed Sep 04, 2019 11:07 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 6317

Re: Very bad day

Most of the market timers refer to this concept as "dry powder." You can search the forum for that term and get many results.
by tea_pirate
Thu Aug 29, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6959

Re: Purchasing a truck - thoughts?

"I'll cause a wreck and kill us both before I ever let some clown in a low-end luxury car try to assert his imaginary importance over me." A goal such as this one will undoubtable sabotage any worthwhile future goals at some point. Hopefully at some point you realize that Importance is not asserted...
by tea_pirate
Thu Aug 29, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6959

Re: Purchasing a truck - thoughts?

I'll cause a wreck and kill us both before I ever let some clown in a low-end luxury car try to assert his imaginary importance over me. I would caution you that this is an unhealthy attitude, but as long as you still appropriately defer to individuals in high-end luxury cars, how you choose to dea...
by tea_pirate
Thu Aug 29, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6959

Re: Purchasing a truck - thoughts?

...Word of caution, some female types that have never driven a big TRUCK suddenly fall in love and will want to make it their daily driver..."because nobody f@&$&@ with me when I drive that thing" is the reason most given. Age helps a lot with that also. I fondly remember when I had a 25 year old f...
by tea_pirate
Tue Aug 27, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8605

Re: Coffee becomes cold too soon

Why don’t people drink their whole cup of coffee all at one time? It takes me 20 seconds to consume a cup of tea. If your drink contains milk or sugar, you incease cavity formation in your teeth by sipping vs chugging. It’s not the quantity of sugar that matters, it’s the number of minutes througho...
by tea_pirate
Mon Aug 26, 2019 6:43 am
Forum: Non-US Investing
Topic: What is the perpetual SWR for a 100% VWRD/VWRA portfolio?
Replies: 32
Views: 2385

Re: What is the perpetual SWR for a 100% VWRD/VWRA portfolio?

I've gone back and forth on this, since 95% of the SWR data out there relates to US stocks. After a lot of research, my conclusions for a diversified world portfolio between 60/40 and 80/20 were: 1. 4% fixed withdrawal rate sucks and will likely leave you broke, unless you can travel back in time an...
by tea_pirate
Thu Aug 22, 2019 7:09 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17635

Re: White collars- How much is your work downtime?

Well, I'm tempted to give people the benefit of the doubt that this is more about the definition of downtime. If you're in sales or management, surely there is a component of the job that you have to go around interacting with people. Fishing isn't all about reeling them in. You have to cast and wa...
by tea_pirate
Wed Aug 21, 2019 10:19 am
Forum: Personal Finance (Not Investing)
Topic: White collars- How much is your work downtime?
Replies: 203
Views: 17635

Re: White collars- How much is your work downtime?

60-75%. Engineering. This is my first job out of college. I'm starting a new job soon which will hopefully keep me more busy.
by tea_pirate
Tue Aug 20, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Which job to take: Advice requested
Replies: 9
Views: 827

Re: Which job to take: Advice requested

Do not take a 1 hour and 15 minute commute. I have experience with commutes like that. It is certainly not sustainable, and I don't even have kids like you do. I did 85 miles each way for 3 years. 1.5 hours in the morning, and 1.5-2 hours in the afternoon depending on traffic. That was soul crushing...
by tea_pirate
Mon Aug 12, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Vehicle Air horn
Replies: 29
Views: 2614

Re: Vehicle Air horn

Commenting because the reason for this desire is with all of the new car noise dampening and many people playing loud music, there have been a few times I have used a horn where I wonder if they even hear you (I cannot hear my own horn with music at half volume). Anecdotally from looking over at ot...
by tea_pirate
Thu Aug 08, 2019 1:48 pm
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4941

Re: thoughts on international funds

Given the higher cost associated with international, it is unlikely to perform better than US over the very long term for a US investor. You have to decide if the lower international return is worth it for the additional diversification. Such a statement should be very easy to support or refute wit...
by tea_pirate
Thu Aug 08, 2019 7:02 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4941

Re: thoughts on international funds

It is crazy to expect a diversifier to do nothing but good . A diversifier is going to behave differently , not necessarily better, certainly not better all the time. statements of such power and clarity. Given the higher cost associated with international, it is unlikely to perform better than US ...
by tea_pirate
Wed Aug 07, 2019 6:20 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4941

Re: thoughts on international funds

Like clockwork, here is our weekly thread for everyone to argue over each other! Diversification doesn't mean everything goes up equally. When you are diversified, you will always have a component of your portfolio that is performing worse. That does not mean that you should sell your losers and dou...
by tea_pirate
Mon Aug 05, 2019 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7745

Re: Financial anxiety and next steps in relationship

remomnyc wrote:
Mon Aug 05, 2019 9:21 am
If she's advanced maternal age, she may want to freeze some eggs now.
Absurd. They could wipe out 20% of the debt today with what the costs of treatment and storage would run them. Terrible idea if they're pursuing PSLF, but still.
by tea_pirate
Mon Aug 05, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7745

Re: Financial anxiety and next steps in relationship

Many men have faced this Hobson's choice and will do so in the future. OP should google elsewhere to see how men have (for better or worse) handled (or wish they had handled) this situation. Google it for what, so he can find his way over to toxic "redpill" communities filled with losers and bitter...
by tea_pirate
Fri Aug 02, 2019 7:07 am
Forum: Personal Investments
Topic: Pay off $17k student loan or max out 401k this year?
Replies: 48
Views: 3477

Re: Pay off $17k student loan or max out 401k this year?

I was in a similar position with low interest student loans. In fact I still have $8k kicking around at 3.7% interest. Remember that if you're eligible for the student loan interest deduction, your true interest rate is below 3%. I decided to max my 401k and Roth IRA before paying extra towards stud...
by tea_pirate
Thu Aug 01, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Renter Forever?
Replies: 68
Views: 6484

Re: Renter Forever?

I would not have saved over $100k by 25 if I ran out and bought a house like most of my friends did. Now that I have my first $100k (which should be the hardest $100k to save), why would I want to take nearly all of it and put it as a down payment on a house and effectively start saving from zero ag...
by tea_pirate
Mon Jul 29, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7396

Re: Long commute: how to manage?

I commute over 50 miles each way. Takes me 45 minutes in the morning. Afternoon commute is an hour most of the year, but can stretch to an hour 15 in the summer. Those people who are frustrated and mentally exhausted from their commutes are the drivers that view it as a competition. Any car that mig...
by tea_pirate
Thu Jul 25, 2019 9:14 am
Forum: Personal Finance (Not Investing)
Topic: How do you deal with looking bad compared to others?
Replies: 77
Views: 5384

Re: How do you deal with looking bad compared to others?

Hit back, harder. Out of earshot of your kids, obviously. "Yeah your house is nice, it's just a shame you have to work so hard for it..." Now choose your own adventure based on their life circumstances: A: "Do you think spending so much time at work has something to do with your wife leaving you?" B...
by tea_pirate
Thu Jul 18, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: TSP 3-Funds or TSP Target Date Fund?
Replies: 67
Views: 4319

Re: TSP 3-Funds or TSP Target Date Fund?

I skip the L funds since I don't really want bonds at all at this point, and even if I did I'd put it all in G and nothing in F. I'm 37% C, 13% S, and 50% I Fund which roughly mirrors world market capitalizations. I hold a corresponding amount of emerging markets in my Roth IRA to "complete" the I F...
by tea_pirate
Wed Jul 17, 2019 6:18 am
Forum: Personal Consumer Issues
Topic: Dash Cams [want recommendations]
Replies: 22
Views: 1991

Re: Dash Cams [want recommendations]

miamivice wrote:
Tue Jul 16, 2019 2:34 pm
Can you explain the circumstances that you have inquired with a lawyer about a dash cam and they recommended purchasing one?

Usually, the fault of a car accident isn't difficult to ascertain without one.
Said the guy who's never been in an accident and had the other party lie about it.
by tea_pirate
Mon Jul 15, 2019 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Geico subrogation claim
Replies: 22
Views: 2998

Re: Geico subrogation claim

This scenario is why those who advise not to tell your own insurance company are so misguided. What do you mean? There are frequent threads on here where someone is in a not at fault accident, asking if they should tell their insurance company. Without fail, someone will say they never tell their i...
by tea_pirate
Mon Jul 08, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 4590

Re: Is Grass-fed milk worth it?

This thread is classic Bogleheads (and the Internet in general). OP: I like [product], is it worth buying [premium version of product]? Half of responders: [Product] is dumb, you're dumb for using it and if you were smart like me you wouldn't buy it. Here, let me share my wildly off-base and often p...
by tea_pirate
Thu Jun 27, 2019 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Any insurance beating USAA?
Replies: 42
Views: 3397

Re: Any insurance beating USAA?

USAA is sending Safelite out tomorrow for my 4th windshield replacement in as many years. I've used the chip repair service 2 or 3 times as well. Gotta love the state of disrepair of MA highways. Glass is required to be zero deductible here, but I've heard of other companies raising rates following ...