Search found 29 matches

by CRJPylote
Fri Jan 22, 2021 6:59 pm
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 59
Views: 4374

Re: Why Vanguard?

My father is along time customer of them so that's how I got started. I have accounts there and at Schwab(401K and a second IRA) and Schwab isn't any better for what I do. That said Vanguard doesn't seem to cater to people wanting to "dip their toe in" with rather high minimums for most ac...
by CRJPylote
Fri Jan 22, 2021 6:44 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 370
Views: 31013

Re: What is your age and asset allocation ?

24.

100% stocks(Am trying the HEDGEFUNDIE at around 5% of total assets, but I'll call that stock)

70% US, 30 INT. Market weights or as close as possible considering my limited 401K funds.
by CRJPylote
Fri Dec 11, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Safe car for a teenager recommendation
Replies: 70
Views: 3647

Re: Safe car for a teenager recommendation

I know its already been said but as long as its from the 21st century and has working ABS and Airbags, you should be fine. It's more about the lack of attention to driving than the actual car. And no, even the new cars with systems to detect distraction can be turned off for the most part. I'd just ...
by CRJPylote
Fri Dec 11, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Replacing rear shocks and front lower control arms?
Replies: 32
Views: 1607

Re: Replacing rear shocks and front lower control arms?

I just used quick strut assemblies, no disassembly required. I'd never buy the normal ones.
by CRJPylote
Wed Nov 25, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Replacing rear shocks and front lower control arms?
Replies: 32
Views: 1607

Re: Replacing rear shocks and front lower control arms?

My mechanic recommended replacing rear shocks and front lower control arms for my 2013 VW which has only 50k miles. He said the bushings of the control arms are cracked a bit but no safety issue at this moment. Replacing the front lower control arms alone costs $800+ so I'm hesitant to do it now :o...
by CRJPylote
Wed Nov 25, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Following Distance Indicator
Replies: 17
Views: 1265

Re: Following Distance Indicator

My son's Volvo has a light that comes on when you are following too close (it's an adjust able setting) to the vehicle in front of you. Do you know what other car makes offer this feature? From a quick Google search, it looks like Volvo has it and calls it Distance Alert. Mercedes calls theirs Dist...
by CRJPylote
Wed Nov 25, 2020 10:37 pm
Forum: Personal Consumer Issues
Topic: Following Distance Indicator
Replies: 17
Views: 1265

Re: Following Distance Indicator

My son's Volvo has a light that comes on when you are following too close (it's an adjust able setting) to the vehicle in front of you. Do you know what other car makes offer this feature? From a quick Google search, it looks like Volvo has it and calls it Distance Alert. Mercedes calls theirs Dist...
by CRJPylote
Wed Nov 25, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Vanguard
Replies: 175
Views: 13070

Re: Not Experiencing Any Problems With Vanguard

The only issue I had was getting locked out of my account because I don't check it much. The rep on the other end was very helpful and it was resolved.

I have since modified my password practices.

Edit: I also don't agree with their ban on 3x products.
by CRJPylote
Thu Oct 29, 2020 10:59 pm
Forum: Personal Consumer Issues
Topic: Do I Need Norton Security (or similar)
Replies: 23
Views: 1123

Re: Do I Need Norton Security (or similar)

Left Norton behind long ago. Windows defender AND Malwarebytes free. Scan your computer manually once a month, avoid risky sites.

I do relatively high virus risk activities and I haven't gotten infected yet.
by CRJPylote
Fri Oct 23, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3841

Re: Chartering a flight on short notice?

Not talking down to 135 pilots, but they go to unfamiliar airports, have less direct FAA oversight, and usually have less legal and training requirements. Part 91 would be cheap. This often feels like the wild west! PP - ASEL / Cessna 150 If I was going to own a plane it would be a experimental thr...
by CRJPylote
Fri Oct 23, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Chartering a flight on short notice?
Replies: 39
Views: 3841

Re: Chartering a flight on short notice?

Make sure you aren’t swapping one obvious low risk (COVID) for a less obvious risk, netting out to more risk. Smaller planes have a much higher accident rate. Google around. That’s why you charter from a reputable part 135 operator. I apologize for my ignorance, but am I correct in assuming that I ...
by CRJPylote
Fri Oct 23, 2020 2:30 pm
Forum: Investing - Theory, News & General
Topic: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor
Replies: 200
Views: 13534

Re: 7 Reasons Not to Use a 100% Stock Portfolio - The White Coat Investor

I'm very young(24) and just wanted to respond to this article as a 105% ish Stock investor. Point #1: I actually am slightly leveraged(indirect). in the HEDGEFUNDIE strategy and considering some PSLDX. Not sure how this is a reason against 100% stocks, its just a continuation of the idea that you ca...
by CRJPylote
Tue Oct 20, 2020 10:43 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7250

Re: Pilot, Highlander or CX-9

I'd not recommend CX-9. I bought a new CX-9 2011 and engine failed (after an internal water pump leak, engine light came on and after 5 mins car stopped) this happened just after the manufacturer warranty expired. Ouch! Do they even use the same engine? I Know my Mazda 3 2020 2.5 and the 2011 Mazda...
by CRJPylote
Tue Oct 20, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 73
Views: 7250

Re: Pilot, Highlander or CX-9

confusedinvestor wrote: Wed Jul 08, 2020 1:42 am I'd not recommend CX-9. I bought a new CX-9 2011 and engine failed (after an internal water pump leak, engine light came on and after 5 mins car stopped) this happened just after the manufacturer warranty expired. Ouch!
Do they even use the same engine?
by CRJPylote
Mon Oct 19, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Convince us to buy our first luxury car!
Replies: 193
Views: 10829

Re: Convince us to buy our first luxury car!

Honestly why luxury? I drove 15+ year old car with crank windows and no safety features and have a 20' Mazda 3 with AWD now. My job also Involves a few times a week but not 9-5 long distance car travel. My new car is "luxury" enough, for me at least compared to where I came from. Why spend...
by CRJPylote
Fri Oct 16, 2020 10:40 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41162

Re: Items that are worth the money for the quality

Tires. I know many advocate for good tires, but its always worth repeating. How does one know that a tire is “good”? I usually use a aggregate of tire rack reviews, YouTube reviews, brand reputation(Michelin vs the cheapest brand at walmart) and price. I may also poke around auto forum's like Bob i...
by CRJPylote
Fri Oct 16, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41162

Re: Items that are worth the money for the quality

Tires. I know many advocate for good tires, but its always worth repeating.
by CRJPylote
Fri Oct 16, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4902
Views: 1307922

Re: What Book Are You Currently Reading? Part VI

If audio books count, The Stand by Stephen King. Picked it up in the spring and listen to it when I drive sometimes. Interesting book, not what I expected, first novel of his I've looked at. To summarize, starts out as the typical apocalypse plot, but gets into the human condition and the supernatur...
by CRJPylote
Fri Oct 16, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: Vaccine impact on market [prediction]
Replies: 20
Views: 1596

Re: Vaccine impact on market [prediction]

I'd say small gains as well. Market is forward thinking, multiple vaccines are underway, and one of them will likely be approved.

Avoiding politics as much as I can, I also increasingly don't think a vaccine will change the current situation in the US overnight anyway.
by CRJPylote
Fri Oct 16, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6286

Re: TPMS(tire pressure monitoring system) lifespan

Eh, I can see it's benefits, but coming from a older car that didn't have it anyway (06') to a (20') model, I decided that $330 USD was too much for getting a second set of sensors for my winter tires, where I usually drive slower anyway due to snow. I got the tires for free and the 4 extra rims fo...
by CRJPylote
Thu Oct 15, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: TPMS(tire pressure monitoring system) lifespan
Replies: 96
Views: 6286

Re: TPMS(tire pressure monitoring system) lifespan

A working TPMS is an important and critical vehicle safety system. If your system is indicating a fault or a simple battery dead sensor get it repaired. Picking up a large nail at highway speed in traffic in the middle of a 5 mile long causeway bridge, like I did 2 weeks ago in our SUV, can be very...
by CRJPylote
Tue Oct 13, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: Tesla Phantom braking
Replies: 28
Views: 2437

Re: Tesla Phantom braking

4. Now the car can read analog speed signs, which helps, but it still can't read digital speed signs... Sorry but I must ask. What's an analog speed sign? I imagine it must say something like "go kind of slow-ish around here" or "pretty fast compared to what you just did." I thi...
by CRJPylote
Tue Oct 13, 2020 7:19 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5248

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

I have 5% "Play Money" but it is in the HEDGEFUNDIE 3x strategy not stocks. Looking at things like the NKLA news and other stocks that have fallen from grace, I think a individual stock is too risky. Personally once you are 100% equity, I'd rather leverage, and still have diversification.
by CRJPylote
Sat Oct 10, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Has anyone chartered a private jet? Need info. . .
Replies: 55
Views: 6977

Re: Has anyone chartered a private jet? Need info. . .

No security, regardless of airport. You will go through customs in some form internationally though. Netjets, Jetlinx, Wheels up, Xojet are all companies I've heard of but have not flown on personally(In the front or back). There's a reason most people don't do this however. The cost will far exceed...
by CRJPylote
Sat Oct 10, 2020 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance costs – USAA vs ????
Replies: 24
Views: 2389

Re: Auto insurance costs – USAA vs ????

I'm in tier 2(child of officer)and they have been good to me, in my 20's and I get excellent rates, relative to my peers and the quotes I've gotten online.
by CRJPylote
Fri Oct 09, 2020 10:21 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 103
Views: 7264

Re: Brake fluid replacement?

Personal experience, I didn't notice any effects for over 10 years on previous car(It was a family hand me down so I know the history) and the manual didn't say to change it. I noticed the brake pedal start getting softer on top(edit: after about 10-11 years if its life), I changed it. One small bub...
by CRJPylote
Mon Oct 05, 2020 6:25 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 555
Views: 76566

Re: Your USER NAME...what does it mean?

The CRJ is a 50 to 75 seat regional airline aircraft with a reputation for being slow, cheap, old and uncomfortable. Pylote is a sarcastic was to spell Pilot.
by CRJPylote
Sun Oct 04, 2020 7:43 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner for hardwood floor?
Replies: 46
Views: 4032

Re: Robot vacuum cleaner for hardwood floor?

I have a Roborock E25($200). Has extremely good inertial navigation(Not random), and preforms well. Works upstairs in our house even if there is some mess in the hallway. Has a mop attachment but I don't use it. Cons: The company is Chinese so data privacy or the Chinese government mapping your house.
by CRJPylote
Sat Oct 03, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: Riding HEDGEFUNDIE’s excellent adventure
Replies: 57
Views: 11509

Re: Riding HEDGEFUNDIE’s excellent adventure

Start date: 9/03/2020 Approach: UPRO/TMF 50/50(not adapted until end of sept) Rebalancing frequency: Quarterly Return (total / YTD) 3.83%/3.83% Initial contribution: $200, although refined strategy(was in TQQQ for a bit in sept) and am up to $600 with $400 more on the way (5-6% of invested assets) A...