Search found 240 matches

by Carguy85
Mon Nov 23, 2020 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dentist billing in advance
Replies: 11
Views: 1345

Re: Dentist billing in advance

Hmmm. If anything goes to lab the pt is required to pay half of their portion the day of impressions ...although nothing would get submitted to insurance until the day of delivery (crown/bridge/denture). The few times I’ve been burned by patients are when this hasn’t happened for whatever reason. Ot...
by Carguy85
Mon Nov 23, 2020 8:52 pm
Forum: Investing - Theory, News & General
Topic: Silliest Investment Mistakes?
Replies: 69
Views: 3850

Re: Silliest Investment Mistakes?

Biggest mistake was not investing sooner....instead of investing after graduating and starting my career, I Traded in a perfectly good suv that was given to me for a new one for $670 a month (actually had not started working yet) Bought a new Harley on a credit card ( still no real job yet) Bought a...
by Carguy85
Mon Nov 23, 2020 7:51 pm
Forum: Personal Investments
Topic: Need advice for building a 100% fossil-fuel stock free portfolio
Replies: 89
Views: 3045

Re: Need advice for building a 100% fossil-fuel stock free portfolio

You are being intellectually dishonest to think that there must be be a boglehead way to not be a boglehead... pretty much along the same lines of WHY you want to do this..You could simply be a good steward of the environment as best you can and try to lead by example?? Otherwise, if you are feeling...
by Carguy85
Mon Nov 23, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

Holy moly .. $725k with only 1/3 acre lot and only 3300 sq ft? Certainly not out of line for a family of 4 size wise. I had no idea this area was so expensive. I’m guessing property taxes and utilities are crazy high too? Just a wild guess but $15k for taxes and half that for utilities? I know that ...
by Carguy85
Mon Nov 23, 2020 7:09 pm
Forum: Personal Investments
Topic: Recommendations from financial advisor
Replies: 57
Views: 3830

Re: Recommendations from financial advisor

Heard on the radio the other day how an advisor said it’s really actually pretty easy to set up a portfolio...thought hmm that’s not what he should probably say. He went on to say that the advisor doesn’t need to know the whole market, they just need to be very well versed in 40-60 companies and whe...
by Carguy85
Sun Nov 22, 2020 3:15 pm
Forum: Personal Consumer Issues
Topic: Any Car Tire Enthusiasts Out There?
Replies: 21
Views: 1701

Re: Any Car Tire Enthusiasts Out There?

The LTX tires that came factory on my 17 tundra had several chunks of tread missing at only about 10k mi...0 abuse and 100% on road driving......I must have got a bad batch...I’ve never had anything quite like that happen on any brand/type of tires. I believe the 15 highlander we had had the dueler ...
by Carguy85
Sun Nov 22, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

I’ll pretend that some day we may break even....o well, shelter is a cost of living.
by Carguy85
Sun Nov 22, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new BMW X3?
Replies: 37
Views: 3280

Re: Should I buy a new BMW X3?

RJC wrote: Fri Nov 20, 2020 9:58 am huge buck tooth grills
Lol never woulda thought that and I’m a dentist!
by Carguy85
Sun Nov 22, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

H-Town Unfortunately there is a lot of total garbage information out there even if people cared to take more responsibility. Choosing to make good decisions/good behavior cannot be legislated. The fact that what you are saying is at least somewhat controversial should say something. It sucks because...
by Carguy85
Sun Nov 22, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

Glock19,

How about your 9x19 ammo? Btw, most of my firearms were sold off long ago at a gun show and the few that weren’t were lost in a boating accident so I no longer have a need to worry about any of that stuff. :D
by Carguy85
Sun Nov 22, 2020 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

I’m about your age, in the Midwest, and 2 kids...a little older. I can’t imagine where you are talking about other than the Chicago area. Otherwise that seems like a top of the heep neighborhood McMansion (you didn’t mention acreage). You must have missed this thread https://www.bogleheads.org/foru...
by Carguy85
Sun Nov 22, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

My priority has always been our health. Hoarding highly processed food is against my goal. My “around the perimeter” shopping at the grocery seems to always be stocked as usual.... there have been times when the fresh meat had been limited... although I prefer frozen bagged chicken. All bets are of...
by Carguy85
Sun Nov 22, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 119
Views: 10773

Re: Subaru Outback engine stop/start

I believe Subaru uses an electric oil pump in the cvt as an attempt to make auto start takeoffs smoother...not really sure who else does...ahhh the needless trickery just to get a good rating on part of an emissions test that doesn’t really translate well to any considerable real world good. Enginee...
by Carguy85
Sun Nov 22, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

Crazy... I always thought that if cost of living is high, it better be a place with great year round weather, great schools, and nice people. Demand has been exceeding supply there for some time. Not enough construction happening. And construction labor costs are relatively high. And my take is if ...
by Carguy85
Sun Nov 22, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

Crazy... I always thought that if cost of living is high, it better be a place with great year round weather, great schools, and nice people.
by Carguy85
Sun Nov 22, 2020 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this $725,000 house?
Replies: 158
Views: 10714

Re: Can we afford this $725,000 house?

I’m about your age, in the Midwest, and 2 kids...a little older. I can’t imagine where you are talking about other than the Chicago area. Otherwise that seems like a top of the heep neighborhood McMansion (you didn’t mention acreage). At times I regret moving from a low-mid 250s home (upper middle c...
by Carguy85
Sat Nov 21, 2020 8:03 pm
Forum: US Chapters
Topic: Are you a Boglehead?
Replies: 107
Views: 4339

Re: Are you a Boglehead?

Ive read several articles and a book or two and watched several interviews. I invest in 2 funds through Vanguard (Sp500 and total bonds). I rest easily thinking that this will put me far ahead most with actively managed funds especially looking beyond 10 years. I often think of some of his quotes es...
by Carguy85
Sat Nov 21, 2020 1:46 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 119
Views: 10773

Re: Subaru Outback engine stop/start

Crefwatch, You will indeed never have to buy a “starter motor”. The Prius is an excellent piece of machinery! We have wildly differing views on cars... I won’t go on vacation without at least a rental car at the destination if not forgetting flying all together and road tripping it (preferred). Of c...
by Carguy85
Sat Nov 21, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

I’ve seen several figures that vary wildly from each other. A few searches came up with even higher figures than 140...seemed pretty hard to believe a person uses a roll not quite every 3 days. I honestly have no idea what to think of the accuracy of the numbers..certainly could be environmentalist ...
by Carguy85
Sat Nov 21, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 119
Views: 10773

Re: Subaru Outback engine stop/start

Can you define "longterm usage?" If it's anything like the "lifetime" transmission/gear box/coolant/etc fluids manufacturers claim for the sake of deceptively reducing cost of ownership data then yeaaaaah... Exactly... unless if it’s a synergy type drive type setup I 100% don’t ...
by Carguy85
Fri Nov 20, 2020 10:18 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

Lol I think we need a boglehead survey!
by Carguy85
Fri Nov 20, 2020 10:03 pm
Forum: Personal Consumer Issues
Topic: "Buy once, cry once"
Replies: 101
Views: 9443

Re: "Buy once, cry once"

I’ve seemed to find that used furniture is typically near worthless no matter what it is...I get the feeling that it’s “old fashioned” thinking to spend a lot of money on housewares and think they have any real liquidity.
by Carguy85
Fri Nov 20, 2020 6:49 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1764
Views: 147747

Re: Coronavirus (Consumer Issues) How you are preparing?

There are MUCH more sanitary options than TP. I find the desperation for TP to boarder on insanity..maybe this is a good reminder of first world shortage problems. I get it though...the average American uses 140 rolls per year.
by Carguy85
Thu Nov 19, 2020 12:56 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 91
Views: 5048

Re: New Truck Purchase

Roughly 20% or so more energy in 1 gallon of diesel vs gas so there is that. Direct injection and high compression will certainly be more efficient (diesels have obviously always had this) Torque is excellent... there is a reason heavy equipment/semi trucks are diesel. However, todays diesel emissio...
by Carguy85
Thu Nov 19, 2020 12:08 am
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 91
Views: 5048

Re: New Truck Purchase

OP, Just the way I am. I want the absolute best, most tried/true reliable piece I can get for my money. I will gladly feed it a bit more if I can count on it to do the job and last. Exactly the reason why I drive an F-150 :beer . It IS the best selling vehicle in America for a reason... Glad you li...
by Carguy85
Wed Nov 18, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 91
Views: 5048

Re: New Truck Purchase

OP, I drive a late model Tundra btw. This is my 4th 5.7 Tundra... I have had lots of trucks including some diesels. Never had the slightest issue out of any of the Tundras. Plenty of issues with the other stuff. Tundras also seem to do very well considering corrosion. A brand new 6.0 2500 Silverado ...
by Carguy85
Wed Nov 18, 2020 9:46 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 119
Views: 10773

Re: Subaru Outback engine stop/start

I feel left out that my 2020 tundra and my wife’s 2017 sequoia don’t have this feature :oops: My bro’s $130k Range Rover does have it though... the hot musty air that blows out of the vents during the summer when the A/C is on and he comes to a stop is not so annoying once you get used to it 😀. Anyh...
by Carguy85
Wed Nov 18, 2020 3:31 pm
Forum: Personal Consumer Issues
Topic: New Truck Purchase
Replies: 91
Views: 5048

Re: New Truck Purchase

Good luck but you probably won’t get much help. Some love bells/whistles/gimmicky stuff. The “tech package” to some is the most important. To others, the interior. Some weirdos like me consider the underpinnings, ring/pinion size/ratio , torque curves, reliability, etc whereas new tech is somewhat o...
by Carguy85
Mon Nov 16, 2020 8:34 am
Forum: Investing - Theory, News & General
Topic: Short TIPS instead of Gold in Portfolios
Replies: 16
Views: 984

Re: Short TIPS instead of Gold in Portfolios

Correct me if I’m wrong but isn’t gold purely speculative. It seems there is more likely an extremely thin line between the dollar being worthless and gold being little more than a shiny rock ....I could be way off base but joke with a buddy about gold being for doomsday preppers that don’t like/own...
by Carguy85
Fri Nov 06, 2020 9:14 am
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12339

Re: What do you giver your adult children at holiday time?

In years past of suggesting gifting to families/kids much worse off than us, 529 contributions, etc the ideas are shot down right away and I just end up being the “Scrooge” for trying to interject some rationality/practicality. Deeply ingrained tradition for most I suppose....already getting frustra...
by Carguy85
Fri Nov 06, 2020 7:11 am
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12339

Re: What do you giver your adult children at holiday time?

No doubt a stressful time for me due to the obligatory spending by the wife and all the stress and wasted time to get things for people that they don’t need and won’t like. The kids usually get flooded with stuff by others (many new in package toys get donated) I find it to be like trick or treating...
by Carguy85
Thu Nov 05, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Investing With Kevin O’Leary (“Mr. Wonderful”)
Replies: 13
Views: 2148

Re: Investing With Kevin O’Leary (“Mr. Wonderful”)

I remember him saying this in an interview... his mom instilled this in him... interesting. Made sense at the time although I had no idea how to put it to action (probably a good thing). I shortly thereafter learned who Jack Bogle was and the 2-3 fund portfolio.
by Carguy85
Wed Nov 04, 2020 6:46 pm
Forum: Personal Consumer Issues
Topic: Economically viable to buy an airplane?
Replies: 39
Views: 4785

Re: Economically viable to buy an airplane?

Many good responses. Buying a plane for the purpose of training with the end goal being in the airlines as many have eluded to does not make sense at all . Due to the significant required training/hours to have a chance to get hired in addition to a depressed airline industry, the military sounds li...
by Carguy85
Mon Nov 02, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?
Replies: 114
Views: 11662

Re: Anyone Else Feel Broke Trying to Maintain a High Savings Rate?

Car payments or other payments? Ballparking taxes your house is 30-35% of take home..assuming this includes insurance and property taxes? 25% is a good ballpark ...doesn’t necessarily sound like you are super over extended depending on other bills. Kudos for being very deliberate about saving.
by Carguy85
Mon Nov 02, 2020 8:06 pm
Forum: Investing - Theory, News & General
Topic: How on earth can overweighting US stock over international stock possibly be considered Boglehead?
Replies: 253
Views: 15760

Re: How on earth can overweighting US stock over international stock possibly be considered Boglehead?

I see it somewhat as a political/personal choice. For example there are those that only want to invest in “green” industries whether it truly makes financial sense or not. And yes, what Jack Bogle said although some will argue that was then this is now...Maybe my views on international are old fashi...
by Carguy85
Tue Oct 27, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Help...we're getting a dog!
Replies: 146
Views: 7539

Re: Help...we're getting a dog!

Reading this thread as my German Shepherd is laying next to me in bed..lol. She destroyed our brand new laundry room as a puppy, sheds like crazy certain times of the year, has caused some strife in the past with neighbors, cost us thousands in upkeep, etc but I wouldn’t trade her for anything!! Pro...
by Carguy85
Tue Oct 27, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Family finance courses or methods / convincing a spouse (long)
Replies: 84
Views: 5340

Re: Family finance courses or methods / convincing a spouse (long)

How much on groceries and kids cloths?? My wife and I just had a meeting over this... I can somewhat relate. She is a spender and I’m the saver/planner. I have figured paying ourselves first (money to vanguard) is the best way for me to not worry about where the remainder is going. A separate accoun...
by Carguy85
Tue Oct 27, 2020 7:37 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 26846

Re: Anybody here trying Coast FIRE?

Looks like a fam of 4 with 40 y/o heads of household in Indiana on bronze Hsa plan unsubsidized is about $1200 a mo... seemingly not bad. That’s about what my anthem Hsa costs now although employer pays half...if that’s the case then early retirement looks doable. Am I missing something?
by Carguy85
Tue Oct 27, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Best place to sell used truck (1998)
Replies: 31
Views: 1793

Re: Best place to sell used truck (1998)

A nice clean truck is going to be worth way more than kbb. I have a 1990 dodge w250 diesel and have turned down 2 offers for $26,000 over a year ago... 3x what kbb says ...of course it’s one of the nicest lowest mile original paint trucks of its generation in the country...anyhow eBay is a fairly ea...
by Carguy85
Mon Oct 26, 2020 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Early FIRE when kids are young - How do kids with non-working parents develop?
Replies: 63
Views: 4041

Re: Early FIRE when kids are young - How do kids with non-working parents develop?

A household with non-working parents..... the major question would be WHY they are not working. The WHY has a whole lot to do with how they are going to raise their kids.
by Carguy85
Mon Oct 26, 2020 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Early FIRE when kids are young - How do kids with non-working parents develop?
Replies: 63
Views: 4041

Re: Early FIRE when kids are young - How do kids with non-working parents develop?

Btw isn’t investing at least one of everyones “jobs” on this forum.
by Carguy85
Mon Oct 26, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Early FIRE when kids are young - How do kids with non-working parents develop?
Replies: 63
Views: 4041

Re: Early FIRE when kids are young - How do kids with non-working parents develop?

I see this getting into a moral superiority/virtue signaling/covertly political stance argument pretty shortly if it hasn’t already. I think anecdotally we all can probably think of all sorts of situations where kids turned out good or bad...I could only wonder why it wouldn’t be considered an advan...
by Carguy85
Sun Oct 25, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 92
Views: 8901

Re: Good quality face mask recommendation, please

May not be a bad idea to consider the 3rd mucosal membrane lined point of entry while you are shopping for masks (your eyes) if you haven’t already.
by Carguy85
Sun Oct 25, 2020 6:26 pm
Forum: Investing - Theory, News & General
Topic: Friend’s Investment Strategy Envy
Replies: 71
Views: 7304

Re: Friend’s Investment Strategy Envy

I wonder how Dave Portnoy is doing day trading....anyone know? He was fairly sure of himself in an interview with one of the biz news outlets a few months back... I can’t tell if he is serious or just doing it for publicity/fun...he has plenty to play with no doubt.
by Carguy85
Sun Oct 25, 2020 2:19 pm
Forum: Personal Consumer Issues
Topic: Electric motorcycles
Replies: 11
Views: 1092

Re: Electric motorcycles

Had no idea they were a thing until recently lol...my brother is a techie type that likes gadgets. 28mph was plenty fast for me!
by Carguy85
Sun Oct 25, 2020 2:04 pm
Forum: Personal Consumer Issues
Topic: Electric motorcycles
Replies: 11
Views: 1092

Re: Electric motorcycles

Just saw an ad for the Harley livewire...must be back in production. My favorite motorcycling experiences were on harleys...the rumble and sound were a big part of it. Not sure how that can be replaced. Even though there is an urge to get back on a motorcycle (I’ve had many) it seems it is becoming ...
by Carguy85
Thu Oct 22, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: waited too long to buy a house - but starting to feel priced out..
Replies: 33
Views: 5296

Re: waited too long to buy a house - but starting to feel priced out..

Read a JL Collins blog about owning a home just to help counter your FOMO emotion a little...”needing” to buy or sell is recipe for regret . We’ve thankfully not been in the position to have to sell but have certainly benefited from those that really had to sell a few times. Several hundred thousand...
by Carguy85
Wed Oct 21, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13621

Re: Which diet soda pop do you enjoy?

I’m surprised Zevia has only been mentioned twice now...seems there are plenty of health conscious bogleheads in general... Not saying it’s good for you but seems better as a treat than consuming totally fake stuff conjured up in a chemistry lab.
by Carguy85
Wed Oct 21, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Looking for a three row SUV; $90k budget
Replies: 108
Views: 8208

Re: Looking for a three row SUV; $90k budget

Pretty much what the title states. Budget is $90k + taxes. Consideration set: Tesla Model X Audi SQ7 Mercedes GLS BMW X7 M50i Any others worth checking out? A Sequoia. And you'll have $25K left to invest afterward. It'll likely last longer than all of those. We have two in the garage with over 350,...
by Carguy85
Mon Oct 19, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 317
Views: 26846

Re: Anybody here trying Coast FIRE?

My 7 week furlough earlier this year was an eye opener for me and certainly a blessing in disguise. I’ve been blessed to be in a good position of no debt and a larger than necessary emergency fund in addition to investments. I started to really enjoy my time off and realized I didn’t need to spend t...