Search found 374 matches

by weltschmerz
Wed Nov 07, 2018 10:22 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2218

Re: PenFed new savings rates

I haven’t checked around, help me out, are these good rates these days? We’re coming up on the 5 year anniversary of the great PenFed CDs of 2013, so they may be trying to keep people from cashing out. I checked their ACH policy, they only let you pull out $5000 per day. How else are people getting ...
by weltschmerz
Sat Nov 03, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16787

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

1) GTI sits very low to ground, much lower than Golf even. You will have lots of headlights from crossovers and trucks shining in your eyes. It is indeed lower, but I don't know that I'd call a difference of 0.4" "much lower" Go to your local VW dealer, and sit in both the Golf and the GTI, they ar...
by weltschmerz
Fri Nov 02, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16787

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

I see lots of recommendations for VW GTI. Allow me to play devils advocate. 1) GTI sits very low to ground, much lower than Golf even. You will have lots of headlights from crossovers and trucks shining in your eyes. 2). In the US, the GTI and Golf are Mexican-made, very low reliability as indicated...
by weltschmerz
Wed Oct 31, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 694
Views: 159356

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Thanks. It is a shame that craigr and MediumTex aren't still here to opine on some of the latest in PP theory and the state of the economy. Craig seems to have moved on with a new company, and who the heck knows where Tex is these days. For the latest discussions on the PP, be sure to check out the...
by weltschmerz
Sun Oct 28, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: The Case for Renting
Replies: 31
Views: 3614

Re: The Case for Renting

Tough situation. I would recommend renting close to work, keeping your commute short so you can maximize your work productivity. You have saved $650k, but with 2 kids in a HCOL, feels like you still have a ways to go. Problem is, seems like rents keep going up, so to keep your monthly rent at a stab...
by weltschmerz
Sun Oct 28, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3812

Re: When to get a new toilet?

I have repaired and replaced several toilets over the years. I almost always repair them, the parts are so cheap. If you have a 2-piece toilet, the points of failure are the fill valve, the flapper, and the gaskets that hold the tank to the bowl. These are all cheap items ($5-10 each) to replace. On...
by weltschmerz
Sun Oct 21, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Do I need to buy laptop software?
Replies: 32
Views: 2676

Re: Do I need laptop software?

I see recommendations for Linux Mint, Ubuntu, Chromebooks, etc. I am coming from a Windows machine running Windows 7. What about drivers to run my printer and scanner? I know I need to take action sometime, since Win7 is not supported past next year. I would love to move away from Windows if I can s...
by weltschmerz
Sun Oct 21, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

How could you possibly spend $100 to change the antifreeze and ATF on a civic?? A gallon of Honda type 2 coolant is about $15. Maybe $20 at a full price dealer. Honda DW1 atf is a about $8/qt and the civic takes about 3 quarts on a change. I’ve done those jobs, takes less than an hour. To many peop...
by weltschmerz
Sun Oct 21, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

Reading through these posts, it seems like the overwhelming majority of Bogleheads use independent mechanics. I am driving a 2011 Jeep Grand Cherokee with a big V8 engine, and I have a different perspective, I have gone to the dealer (San Diego Jeep) for much of my service. When I first bought the c...
by weltschmerz
Sun Oct 21, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30152

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 weltschmerz
Thu Oct 18, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30152

Re: High End Wrist Watches (Gone Crazy)

Maverick3320 wrote:
Thu Oct 18, 2018 11:11 am
Wouldn't there be a more appropriate luxury watch forum?
Cmon y’all, this isn’t the Mr. Money Moustache forum. We can discuss luxury items from time to time here. I appreciate corn18 sharing his experiences with us.
by weltschmerz
Thu Oct 18, 2018 11:16 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30152

Re: IWC Watch, any thoughts?

What does spending more on a watch get you? High quality materials, such as precious metals. Higher durability. Higher level of precision of the time-keeping mechanism. (Though this only applies to mechanical watches, since the highest precision is actually found in Quartz watches, which are dirt c...
by weltschmerz
Thu Oct 18, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30152

Re: High End Wrist Watches (Gone Crazy)

Between that original post and today, I learned a lot and enjoyed wearing some mighty fine time pieces. But through the whole process I found I am just not a high end watch guy. I kept a couple of $5k Bremont custom watches and my Casio G-Shock. If I had to rebuy one watch it would be the A. Lange ...
by weltschmerz
Thu Oct 18, 2018 10:19 am
Forum: Investing - Theory, News & General
Topic: PenFed 3% 5 year certificates are back.
Replies: 19
Views: 2982

Re: PenFed 3% 5 year certificates are back.

Looks like PenFed has upped their game, now offering 3.3% on both 5- and 7-year CDs. Seems like some of the best rates out there. They are probably trying to retain all those folks that took advantage of those great 3% 5-year CDs of late 2013. I’m not sure that 3.3% is enough to keep me there, since...
by weltschmerz
Wed Oct 17, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 30152

Re: High End Wrist Watches (Gone Crazy)

corn18, Interesting thread. What is the current watch inventory? Although initially skeptical, I am starting to see the appeal of high end watches. A friend recently ‘upgraded’ from an old Apple Watch to the newest version, and I couldn’t help but think, In 10 years, your new Apple Watch will be in ...
by weltschmerz
Fri Oct 12, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 102
Views: 9853

Re: When will you backup the truck on stocks

If stocks go down 90%, I will back up my truck. I mean, literally, I will sell our car, and buy stocks. It’s easy to think like this when the markets have been outperforming, but I wonder if you have the guts to really do this when times get tough. I’m thinking if the market is down 90%, there has ...
by weltschmerz
Fri Oct 12, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: My life saved by New subaru. Almost died.
Replies: 62
Views: 7286

Re: My life saved by New subaru. Almost died.

Wish I had automatic braking as it would have saved me from a crash in August. I was driving a 2016 Dodge Durango that rear-ended a VW Jetta that was at a dead stop at 45 mph. Air bags & seat belts really do save one from injury. Automatic braking would have been even better, as then there would ha...
by weltschmerz
Fri Oct 12, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Which one: Lyft or Uber?
Replies: 57
Views: 4218

Re: Which one: Lyft or Uber?

I have used both Uber and Lyft, and I find them almost identical as far as pricing and service. However, Uber has rolled out a new option this year called “Express Pool”, which is about half the price of a normal Pool. It involves walking a few blocks to a pickup point instead of being picked up at ...
by weltschmerz
Wed Oct 10, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8369

Re: What did you buy today

A 6-pack of Stone Tangerine Express IPA, delicious!

In all seriousness, I heard that the market had a rough day, but I checked the S&P (which I haven’t been following closely), it is still around 2800! These are nosebleed levels! What’s the fuss? Wake me when we break 2000...
by weltschmerz
Wed Oct 10, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Anyone done a Hair Transplant?
Replies: 79
Views: 5897

Re: Anyone done a Hair Transplant?

Balding at such a young age is a sign of high levels of testosterone. I’m betting you also have high levels of arm and chest hair. Do not shy away from this, it is a sign of high virility! Please do not get plugs, no need to go through that. I’ve known several men who went bald early, never thought ...
by weltschmerz
Wed Oct 10, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19009

Re: Talk me out of buying a Tesla Model 3

investor997, can you elaborate on what it was about the Model 3 that blew those Audis away? What it just the fast acceleration? Because I think you would get tired of that quickly. Plus, if you care at all about battery longevity, you wouldn't be mashing the accelerator pedal all the time anyway. L...
by weltschmerz
Wed Oct 10, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19009

Re: Talk me out of buying a Tesla Model 3

Until this weekend, I had my sights on a 2-3 year old Audi such as an A6 or an S4. Those are roughly $30K-$40K cars. I was also considering leasing a new S4 which would run about $700/month with minimal drive-off and adding the $40K to my "invested assets". Alas, the Tesla blows any of those Audis ...
by weltschmerz
Mon Oct 01, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3333

Re: New Apartment, city noise

I live in a condo, in a city, right next to a school, where I hear the loud school bell ringing every 45 minutes from 7:30 am until 3:00 pm every weekday. I also hear my neighbors slamming doors and their barking dogs. Initially I questioned whether I could stand it, but now I create my own peaceful...
by weltschmerz
Sun Sep 23, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4337

Re: Ventilated car seats?

I haven't used the systems myself, but the Mazda owners seem convinced that the SUCKing system is very effective. At least according to my research on the Mazda24/7 forum. Air blowing or sucking up your backside seems way more effective than just using the AC or rolling the windows down. Obviously I...
by weltschmerz
Sun Sep 23, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: Ventilated car seats?
Replies: 61
Views: 4337

Ventilated car seats?

I am thinking of buying a new car some time in the next few months, and I am doing research. One feature that I have never had in any car is ventilated car seats. Have you ever had this, and if so, how did it work? I have read that most systems try to BLOW air upon you, via holes in perforated leath...
by weltschmerz
Thu Aug 30, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 2046

Re: YouTube Car Reviewers

Savage Geese is my favorite for his depth. No other reviewer is going to tell you things like whether the steering arms are stamped steel or Aluminum. He also has the best grasp of vehicle dynamics of any of the widely watched youtube reviewers. Unlike others, he regularly drives on the track. His ...
by weltschmerz
Wed Aug 29, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 2046

Re: YouTube Car Reviewers

Interesting to see so much love for Doug Demuro in the replies. I had intentionally left him off my original list. He seems to review more esoteric cars, often valued at way north of $100k, and says 'cool' way too often. I consider his videos not for general consumption, but aimed more at true car a...
by weltschmerz
Wed Aug 29, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4282

Re: Bone in my food

I know someone who got some Chinese food from this chain called Pei Wei, and he bit down on a piece of glass in his food. It really damaged his tooth, requiring significant dental work to fix. Be thankful all you found was a bone in your food!
by weltschmerz
Wed Aug 29, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 4544

Re: Chipotle question

I always get the bowl these days, but back when I was a more serious cyclist, I used to get the tortilla for more calories. Same price as the bowl, so why not. In fact, I have a friend who gets his burritos "double-wrapped": 2 tortillas! There's no extra charge for this, and each tortilla is like 30...
by weltschmerz
Wed Aug 29, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership
Replies: 35
Views: 3558

Re: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership

I have modeled a few types of cars to see if there is a "rule of thumb" we can use here for car depreciation. The model: 1) Cars will depreciate by 10% as soon as you drive off the lot. 2) Then depreciate another 10% annually (assuming 12,000 miles driven). Raw data was pulled off kbb.com. Here is t...
by weltschmerz
Wed Aug 29, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 2046

YouTube Car Reviewers

Maybe it's the summer and most shows are on hiatus, or maybe it's just that modern TV flat-out stinks, but I have been finding myself watching lots of car reviewers on YouTube recently. I wanted to share a few of the channels that I have found to be particularly helpful in showing off the details of...
by weltschmerz
Wed Aug 22, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: 45 and getting older... [asset allocation]
Replies: 17
Views: 2207

Re: 45 and getting older... [asset allocation]

I second the suggestion to consider VFORX, the 2040 fund. I am about the same age as you, and that’s where ALL of my retirement assets currently reside. Keep it simple! I used to slice and dice funds, micro managing every detail, but since I took my hands off the reins, I’ve been happier.
by weltschmerz
Wed Aug 22, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: To buy or hold for housing crash in Bay Area CA
Replies: 27
Views: 3113

Re: To buy or hold for housing crash in Bay Area CA

Something is going to trigger the next downturn. Could be the SALT caps, could be something else. I am seeing a lot of new real estate projects coming online around me, I’m sure all the plans were hatched when interest rates were low, we’ll see how it plays out as rates rise. Feels like 2006 around ...
by weltschmerz
Wed Aug 22, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16787

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

Are GTIs reliable cars? Can you realistically expect a GTI to give you at least 10 years of trouble-free service? I know they're supposed to be nicely engineered cars but I'm concerned the feeling will wear off once the repair bills start rolling in after the warranty expires. I drove a 2005 GTI fr...
by weltschmerz
Mon Aug 13, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Changing Car Cabin Air Filter - after how much time
Replies: 67
Views: 6587

Re: Changing Car Cabin Air Filter - after how much time

Many cars have the cabin air filter located right behind the glove box. I would not go by time or mileage for this repair. Just check it every few years. If it looks OK and doesn't smell moldy, you're good to go for another year! It's not like the engine filters (air and oil) that really need to be ...
by weltschmerz
Mon Aug 13, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1995

Re: What is the best way to determine if one should buy something or save their money?

Before responding, everybody should do a search of OP's prior threads for some context. Entertaining is all I'll say. Ahhh, I see, said the blind man. As he picked up hammer and saw. (Good sleuthing work, stoptothink :!: "Now, That's Entertainment" 8-) 8-) 8-) So the OP is 26 and gets $100k from th...
by weltschmerz
Mon Aug 13, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to stay in HCOL area?
Replies: 92
Views: 9712

Re: Can we afford to stay in HCOL area?

At your household income, you can have *anything* just not everything. If you can rent until you have your first child, you will build up a great cushion to weather any storms in the future. Good luck! They make $365k per year!!! In most places on the planet Earth, they CAN have everything! I have ...
by weltschmerz
Mon Aug 13, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: What is the best way to determine if one should buy something or save their money?
Replies: 29
Views: 1995

Re: What is the best way to determine if one should buy something or save their money?

As a mental exercise, I started trying to devise a formula to answer the OP's question. In this case, let's say that the 'something' is an item, which will give you some pleasure for some amount of time, but is essentially becomes worthless in a relatively short time, such as a whisk, a cell phone, ...
by weltschmerz
Sun Jul 22, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: iPhone to Android in 2018...
Replies: 23
Views: 1711

Re: iPhone to Android in 2018...

blueman457 wrote:
Sat Jul 21, 2018 10:41 pm
I’m not sure if you use FaceTime very much, it is a significant feature that my android toting friend wishes he had.

Blueman
Tell your friend to try out Google Duo, it works just like FaceTime, and it works for both Android and iPhones.
by weltschmerz
Sat Jun 30, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9303

Re: What are you learning or studying?

I've seen a few people say they are trying to learn fingerstyle guitar, that is a worthwhile pursuit. I've been playing that way for 30 years, and I still have much to learn. As the great Leo Kottke says: "The first step in learning fingerstyle is to learn the patterns. The second step is to unlearn...
by weltschmerz
Fri Jun 15, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Private Sale test drive
Replies: 13
Views: 1364

Re: Private Sale test drive

All buyers I have met with come in their car. I hand them the keys to mine and let them go for a drive. I usually sit right next to their car and wait. If they steal it... well, I have insurance. There are more important things to worry about in life! Not sure about this. I have an 8-year old Jeep ...
by weltschmerz
Fri Jun 15, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Too much house vs. just enough
Replies: 38
Views: 3747

Re: Too much house vs. just enough

The age of your boys is relevant to the discussion. If they're teenagers, they'll be out of the house soon (hopefully), so you don't need to upsize your housing. I was watching a rerun of House Hunters the other night, and this couple "needed" a bigger house for themselves and their 3 teen-aged daug...
by weltschmerz
Fri Jun 15, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Back to Treasurys...
Replies: 17
Views: 2158

Re: Back to Treasurys...

Ah yes, the strategy of eeking out every last penny of profit by buying the treasuries yourself. I have been down that road. Never again. Just pick the amount of duration risk you want, and buy the corresponding mutual fund or ETF. Paying the 0.1% expense ratio is worth it for simplicity. You're los...
by weltschmerz
Thu Jun 14, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Drive from Phoenix to San Diego
Replies: 42
Views: 2946

Re: Drive from Phoenix to San Diego

I did a road trip around the Southwestern US in late June of last year. I got to areas around Sedona, which was beautiful and totally worth seeing, but it was >100 degrees, so I didn't even get out of the car to do any hiking. Flagstaff was a bit cooler (It's 7000' up there). If you're driving from ...
by weltschmerz
Thu Jun 14, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Renting vs Buying a Home
Replies: 24
Views: 1954

Re: Renting vs Buying a Home

I am going to make this real easy for you. Use the following rule of thumb: Monthly Rent x 200 = PRICE If PRICE is more than what houses cost in your neighborhood, then you should buy. If PRICE is less than what houses cost in your neighborhood, then you should rent. In your specific case, your mont...
by weltschmerz
Sun Jun 10, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: Harry Browne Permanent Portfolio Discussion (Cont'd)
Replies: 694
Views: 159356

Re: Harry Browne Permanent Portfolio Discussion (Cont'd)

Boundless energy is spent on this forum debating portfolio composition, yet most of the widely publicized portfolios have had remarkably similar long-term performance. Yes that's true, but it is all in the context of the 30-year bull market for bonds, which is not to be repeated anytime soon. If yo...
by weltschmerz
Thu Jun 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: Switching car insurance agents
Replies: 15
Views: 1536

Re: Switching car insurance agents

GEICO and you're done.
Best decision I have made.
Good support, cheap price.
by weltschmerz
Thu Jun 07, 2018 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Stuck in Quicksand (Guidance Appreciated)
Replies: 46
Views: 3761

Re: Stuck in Quicksand (Guidance Appreciated)

You've made it to your late 30s, with a family to support, but are feeling unfulfilled by your career, and you want to make $150-200k. The obvious path is for you to Stay Put, and bust your ass, take overtime, extra clients, whatever it takes to get as much money as you can and support your family, ...
by weltschmerz
Thu Jun 07, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CD @ 3% - 5 year
Replies: 16
Views: 2416

Re: Penfed CD @ 3% - 5 year

I read the title of this thread, and I thought it was referring to the old CDs from 2013. Back then, in Dec. 2013, PenFed came out with the 3% 5 year CD, and it blew every other bank away! It was way higher than everyone else, and lots of people here jumped on it, including myself. Now 5 years later...
by weltschmerz
Mon May 21, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13268

Re: done with Gmail

OP, I recommend you do the following in the future: 1) create new password in Notepad or any text editor. Or if you create the password in Keepass, copy it and paste it into the text editor. 2) Save Notepad file to your desktop. 3) copy password out of the Notepad file. 4) paste password where neede...