Search found 52 matches

by swordandscales
Wed Feb 05, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 11189

Re: Couples w/ kids: What is/was the most expensive time period of your life?

Same boat as you. Daycare is our second highest expense barely behind the mortgage. We live in a modest home and send our kiddos to a “normal” daycare, e.g. they don’t eat organic, locally sourced smoked salmon for their breakfast snack. It’s incredibly expensive. I wish, mortgage is $1,400, daycar...
by swordandscales
Wed Feb 05, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Any adult Nintendo Switch owners? Thoughts?
Replies: 29
Views: 1952

Re: Any adult Nintendo Switch owners? Thoughts?

Breath of the Wild is worth it if you’ve ever enjoyed a Zelda game. Masterpiece.
by swordandscales
Tue Feb 04, 2020 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Couples w/ kids: What is/was the most expensive time period of your life?
Replies: 145
Views: 11189

Re: Couples w/ kids: What is/was the most expensive time period of your life?

Same boat as you. Daycare is our second highest expense barely behind the mortgage. We live in a modest home and send our kiddos to a “normal” daycare, e.g. they don’t eat organic, locally sourced smoked salmon for their breakfast snack.

It’s incredibly expensive.
by swordandscales
Tue Feb 04, 2020 4:32 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 287
Views: 36033

Re: What video games are you currently playing?

Last 3 games that I finished: The Witcher 3 and DLCs, Horizon Zero Dawn and DLC, then The Witcher 2. Kind of scrounging around looking for something else. Got my eye on Greedfall and the Outer Worlds - but I prefer to wait until at least the game has matured with maybe a DLC or two, and maybe a "Ga...
by swordandscales
Mon Feb 03, 2020 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change to Cyber Security
Replies: 16
Views: 1538

Re: Career Change to Cyber Security

Do you have a bachelors degree in anything at all? A lot of schools have graduate programs for career changers that lead to IT careers. I would look for those. Start with that, take as many electives in the security area as you can, get employed, then have your employer pay for further training. A ...
by swordandscales
Mon Feb 03, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change to Cyber Security
Replies: 16
Views: 1538

Re: Career Change to Cyber Security

What are you doing now? Are you starting completely from scratch in IT? Yes, I'd be starting from scratch. I'm currently in television/film production as a coordinator/manager (scheduling and logistics). Cool job, love working on sets, but not enough demand, stability or money. I was an IT professi...
by swordandscales
Mon Feb 03, 2020 5:40 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 287
Views: 36033

Re: What video games are you currently playing?

anyone have any PC strategy games to suggest, nothing too complicated, no first person shooter. Stellaris, Civ VI are good. XCOM is turn-based strategy shooter combat (I prefer the “new” original to XCOM 2, they’re substantially different) What sort of strategy are you looking for? Massive, macro, ...
by swordandscales
Sun Feb 02, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: Books that changed your life
Replies: 146
Views: 9955

Re: Books that changed your life

Thinking Fast and Slow - Daniel Kahneman
Essentialism - Gregg McKeown
The Millionaire Next Door - Thomas Stanley
by swordandscales
Sun Feb 02, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: Any Dota players on this board?
Replies: 12
Views: 1305

Re: Any Dota players on this board?

I've recently started gaming a little more again in my free time and wonder if there are any Bogleheads who love this game too. 8-) I don't buy any of the in-game items, so it is just a free experience for me. :beer Is this a 2013 necro thread? I've been itching to try more recent games, but apart ...
by swordandscales
Sun Feb 02, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Any Dota players on this board?
Replies: 12
Views: 1305

Re: Any Dota players on this board?

I have just under 2500 hours in game.

However, I haven’t played seriously in about two years simply due to time constraints.

It’s certainly a masterpiece of a competitive game / experience and I miss it from time to time.

What are your favorite heroes?
by swordandscales
Sat Feb 01, 2020 8:20 pm
Forum: Personal Consumer Issues
Topic: Car repair - would you fix everything the mechanic suggested?
Replies: 39
Views: 2555

Re: Car repair - would you fix everything the mechanic suggested?

A doctor says you have a sprained ankle and a serious case of strep throat. He prescribes an antibiotic and some Tylenol. Do you take it? I am not too sure if there is an analogy between a doctors advice and a mechanics.....take second opinion if you don't trust your doctor or mechanic They’re both...
by swordandscales
Sat Feb 01, 2020 4:41 pm
Forum: Personal Consumer Issues
Topic: Car repair - would you fix everything the mechanic suggested?
Replies: 39
Views: 2555

Re: Car repair - would you fix everything the mechanic suggested?

A doctor says you have a sprained ankle and a serious case of strep throat. He prescribes an antibiotic and some Tylenol.

Do you take it?
by swordandscales
Sat Jan 18, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159529

Re: What frugal thing did you do today?

Not today, but last weekend. Our fridge was about 20 years old and finally bit the dust. My wife and I looked long and hard at the options and ultimately decided to forego the water / ice dispensers and other luxury options and opted for a bottom freezer, single door under $1k. Feels good walking by...
by swordandscales
Sat Jan 11, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: My First Budget: advice please?
Replies: 20
Views: 2039

Re: My First Budget: advice please?

I use YNAB, check it out. I have found that a flexible budget works the best for us. It is not the buckets that makes the difference, it is knowing where the money is going. You might find small things that you didn't even realize that you were spending on. Most credit card companies have an end of...
by swordandscales
Sun Dec 15, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Buying last year model car when new models are out
Replies: 44
Views: 3164

Re: Buying last year model car when new models are out

I usually buy older cars that are nearing full depreciation. In the one time and possibly only time I bought a new car, I waited until the first day the manufacturer was accepting orders for the new model and ordered one. I did this because: - I have observed that cars are getting significantly bet...
by swordandscales
Mon Sep 16, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: New iPhone on sale for $599.99
Replies: 52
Views: 4351

Re: New iPhone on sale for $599.99

runner3081 wrote:
Mon Sep 16, 2019 8:55 am
That is so much money for a cell phone. Doesn't seem worth it at all.
Although I buy older models, this sentiment is not based in reality.

Instead, you might say: that is a great price for a highly mobile computer, digital camera, and communication device.
by swordandscales
Wed Aug 07, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9441

Re: Extreme Anxiety with Time/Money

I dealt with issues around extreme anxiety over time management a few years ago. I was travelling a lot for work, but had tons of things to do in the office on a daily basis. I was first line supervisor, rater, approver, etc. for 36 employees, so just keeping that going was a full time job. On top ...
by swordandscales
Mon Aug 05, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2757

Re: Looking for new laptop

I would describe those as subjective requirements. I have had a 128 GB SSD, non-Retina, 4 GB RAM MBA for nearly 7 years. Beyond normal work, I am a photographer and use it to edit photos in Lightroom as well. The specs you’ve described are for a pretty nice MBA, which is more than most people reall...
by swordandscales
Sun Aug 04, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2757

Re: Looking for new laptop

I would describe those as subjective requirements. I have had a 128 GB SSD, non-Retina, 4 GB RAM MBA for nearly 7 years. Beyond normal work, I am a photographer and use it to edit photos in Lightroom as well. The specs you’ve described are for a pretty nice MBA, which is more than most people really...
by swordandscales
Sun Aug 04, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Looking for new laptop
Replies: 26
Views: 2757

Re: Looking for new laptop

I believe a cheap, refurbished MacBook Air is the best laptop money can buy. I have built several of my own gaming PCs which obviously run Windows. In the workplace, I’ve liked powerful Lenovo laptop/s that had MSRPs of nearly $3k. An MBA stands alone because of its build quality, design, and the qu...
by swordandscales
Sat Aug 03, 2019 4:26 pm
Forum: Personal Consumer Issues
Topic: Ink Pens
Replies: 77
Views: 5545

Re: Ink Pens

I purchased a Lamy Safari about 1.5 years ago. It is a very simple, practical fountain pen available in colors that I don t consider flashy. I’ve never used another pen since, unless it was some cheap handout and I didn’t have the Lamy with me. It’s pleasant to write with, and was only $20. As a tea...
by swordandscales
Fri Aug 02, 2019 6:03 pm
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3654

Re: Help me choose my next Boglecar!

Contemporary equivalents of Matrix/Vibe: 1) Mazda 3 2) Subaru Crosstrek / Impreza hatchback 3) VW Golf / GTI 4) Chevy Cruze hatchback 5) Honda Fit (smaller but just as versatile space wise) Slightly larger non-CUV alternatives 1) VW Golf Sportwagon / Alltrack 2) Honda Crosstour 3) Toyota Venza 4) B...
by swordandscales
Fri Aug 02, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 215
Views: 12603

Re: Insane to buy a sports car?

Not crazy, but I don't think you are rich enough to be not considered a douche by others for owning an $80k sports car. How would anyone know I wasn’t “rich enough” to own an $80k car? I’m not buying a car to please others anyway. I think I’ve come to peace with the fact that no one will appreciate...
by swordandscales
Fri Aug 02, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Acura RDX vs Audi Q5
Replies: 98
Views: 10442

Re: Acura RDX vs Audi Q5

We’ve owned a ‘14 RDX for over a year now. Relatively high miles now at 85k as it’s my wife’s vehicle and her commute is significant. We’ve had zero issues with it and purchased it used obviously. We paid $16k for what I believe is a relatively low trim model. Didn’t bother looking up specs too much...
by swordandscales
Fri Aug 02, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 9441

Re: Extreme Anxiety with Time/Money

I’d recommend you talk to a therapist, and not bogleheads.

Everyone has a lane. Find a real expert to help you with your anxiety.
by swordandscales
Mon Jul 29, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8537

Re: Do you buy the highest trim car ?

I feel like the high level options are among the most depreciable items on the new car, with the exception of quality leather. I’d much rather buy a 2-3 year old used vehicle that mostly meets my needs, than a new vehicle with everything just right. The amount saved is substantial. However, if you’r...
by swordandscales
Mon Jul 29, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159529

Re: What frugal thing did you do today?

I love good craft beer, but we’re working on paying down credit card debt. I’ve decided to develop a habit where, when I’m tempted to buy an incidental I know I could “afford” without much thought, I instead put the cash toward the credit card. It adds up, and I still feel like I’m treating myself s...
by swordandscales
Sun Jul 28, 2019 3:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5130
Views: 1314455

Re: What Movie Have You Recently Watched?

0n Netflix: The Great Hack :(2019) [/b] a documentary and an analysis of the data available & its online influence in todays world. "About an online populations personal psychological profile of feelings and reactions" via Cambridge analytica's online Brexit analysis & its psychological outcome via...
by swordandscales
Sun Jul 28, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Excel guru needed...
Replies: 8
Views: 1637

Re: Excel guru needed...

Sounds like it could be an excuse to learn Python 😄
by swordandscales
Sun Jul 28, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Products for DIY car detailing
Replies: 19
Views: 1802

Re: Products for DIY car detailing

Porter Cable (Griots, etc) - Random Orbital Sander Clay Bar Griots Interior Cleaner Polish (multiple grits) Ceramic Sealant The first time my buddy used clay and polish on my car it blew my mind. As for stains, I know he uses a shampooing and vacuum situation but I couldn’t tell you exactly what it...
by swordandscales
Sun Jul 28, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Is solar power for your home a worthwhile investment?
Replies: 145
Views: 14867

Re: Is solar power for your home a worthwhile investment?

Not sure if it’s been mentioned yet, but there’s an organization called Arcadia power https://www.arcadiapower.com/ which takes over your utility bill and replaces up to 50% of your fossil-fuel originated power with sustainable power. There’s also an option to source solar power at $100 a panel. I h...
by swordandscales
Sat Jul 27, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4316

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

I've been in IT or IT-related positions for 13 years. I'm at peace with simply doing the basics to secure myself: * MFA where available, strong passwords elsewhere * Safe use of public Wi-Fi * Never making myself a target / strong control of privacy on social platforms Beyond that, I'm not sure ther...
by swordandscales
Sat Jul 27, 2019 7:35 am
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 7488

Re: One bad decision - examples?

I received $30k cash when I was 18. You already know what happened to that cash. I also had a very stupid annuity that I was sold on at 19. I didn't recover from either of those until 23. I'd like to give a personal shoutout to my younger self, the Marine Corps, and my parents for never having a lic...
by swordandscales
Sat Jul 27, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Truebill
Replies: 2
Views: 575

Truebill

Any other Truebill users out there? I recently downloaded the app, and I'm impressed with it. Here's a quick synopsis: Cost Pay what you want model, e.g. $1 - $XX / month (similar to humble bundle) They also take a small percentage of negotiated savings, see below Features Well-visualized budget ana...
by swordandscales
Sat Jul 27, 2019 7:11 am
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

Ya'll probably won't see this, but I wanted to say thanks for spending time giving me the wisdom needed. A couple of you reacted to my emergency fund, and that was a stark reminder. With more reading here, I realized how much value you all place on that cushion and while my wife and I both have pret...
by swordandscales
Sat Jul 27, 2019 6:42 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4434

Re: Bootstrapping a company with retirement money

You have clearly already made up your mind. Why bother wasting your highly valuable and volatile hours justifying your decision repeatedly and redundantly? If you’re in an urban area, there’s probably a coffee shop hosting an entrepreneurial meetup somewhere today. Prepare a pitch, draft a business ...
by swordandscales
Fri Jul 26, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5402

Re: Accord approaching 100k miles, how to push it beyond

Rudedog wrote:
Fri Jul 26, 2019 11:19 am
1989 Camry--I drive it every day. Car is 30 years old. I perform maintenance as recommended in manual and by dealer. Getting hard to find parts. Paid $ 3,000 for that car in 2002. I'd say I've gotten my money's worth out of it.
This is epic. How many miles/km?
by swordandscales
Fri Jul 26, 2019 11:11 pm
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4434

Re: Bootstrapping a company with retirement money

Reviewing your post history, my recommendation is this: 1. Do some serious reading on the Dunning-Kruger effect. 2. Read Daniel Kahneman's Thinking Fast and Slow , you'll have a better mind for it and can fall asleep easier at night to boot. 3. If you want to make money, and you're still working par...
by swordandscales
Fri Jul 26, 2019 10:35 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

If you move up to a Lexus now, that will probably mean you'll be buying luxury vehicles for the rest of your life. (Would you want to downgrade to a Kia or Toyota after driving a Lexus?) That is a lot of extra money spent rather than saved. I currently drive a Toyota, and wouldn't mind buying a Lex...
by swordandscales
Fri Jul 26, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Suggestions for an "Off-topic" forum [other than Bogleheads]
Replies: 11
Views: 1742

Re: Suggestions for an "Off-topic" forum

The OP appears to be asking where besides here he could post such things. Correct, and I have started using reddit. To my surprise, they let a lot of general questions go through. I thought mods would delete them saying they've been discussed before.. Reddit has subreddits for pretty much everythin...
by swordandscales
Fri Jul 26, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

That 24.5k could turn into 427k in 30 years with the S&P average. That would do it for me :) In 30 years, would you rather have the car or a half a million? https://i.imgur.com/X05Z0xP.png At 30 you can pretty badly damage your financial future with this sort of spending due to the compounding effe...
by swordandscales
Fri Jul 26, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

Traveler wrote:
Fri Jul 26, 2019 7:28 pm
Rent a sports car or a BMW a couple times a year. Surprised that you have credit card debt and came here of all places talking about buying an overpriced luxury car.
Precisely why I came here.
by swordandscales
Fri Jul 26, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

You are getting a lot of car advice from non-car people. If you decide to buy a fun car in that price range, I would go with the 2016 Cadillac ATS. Much more sporty than the Lexus for the same price or less. Over the course of your life, you will earn several million dollars. Do you want to look ba...
by swordandscales
Fri Jul 26, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

31. I just started teaching in 2018. I was a Marine for 7 years, then college, then industry for 3 years then started teaching. I'm in KY so the pension isn't a certainty, and I think that's probably one of the biggest internal factors that has me questioning any major purchase like this. I need to...
by swordandscales
Fri Jul 26, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

On to the point: I currently drive a 2011 Kia Optima with 80k miles. Nothing is really wrong with this car, ... I've had my Kia for 10 years, You bought it two years before it was made? Interesting. At any rate, if you can buy it with cash while still meeting your financial goals, then go for it. N...
by swordandscales
Fri Jul 26, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

That is quite helpful, too. Retirement: $52k across 401k + IRA, and I pay into a pension as a teacher. Major Debts: Credit Card - $5k (some major home ownership expenses hit us back to back after being totally debt free for a few years) Acura RDX - $12k Home - $135k (purchased $153k - value ~$218k ...
by swordandscales
Fri Jul 26, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

On to the point: I currently drive a 2011 Kia Optima with 80k miles. Nothing is really wrong with this car, ... I've had my Kia for 10 years, You bought it two years before it was made? Interesting. At any rate, if you can buy it with cash while still meeting your financial goals, then go for it. N...
by swordandscales
Fri Jul 26, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

If you move up to a Lexus now, that will probably mean you'll be buying luxury vehicles for the rest of your life. (Would you want to downgrade to a Kia or Toyota after driving a Lexus?) That is a lot of extra money spent rather than saved. I currently drive a Toyota, and wouldn't mind buying a Lex...
by swordandscales
Fri Jul 26, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

Say no, so you can say hell yes to something else. If I really need the urge, I'll rent a nice car for the weekend and drive the wheels off it. This is an awesome idea. Never considered it. For your vehicle, 80K and a new engine would make me wonder on replacing the vehicle. An engine shouldn't die...
by swordandscales
Fri Jul 26, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Quelling Car Fever
Replies: 57
Views: 3493

Re: Quelling Car Fever

That 24.5k could turn into 427k in 30 years with the S&P average. That would do it for me :) In 30 years, would you rather have the car or a half a million? https://i.imgur.com/X05Z0xP.png That is quite helpful, too. Retirement: $52k across 401k + IRA, and I pay into a pension as a teacher. Major D...