Search found 741 matches

by monkey_business
Sat Jul 27, 2019 8:45 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18597

Re: Laid Off - Want to Retire / Am I OK

Some of the responses here to threads like this are what make regular folks think retirement is impossible. The average household income in the US is less than $60k a year. The OP has a net worth equal to over one hundred times the average annual income. He could see his portfolio increase 0% real ...
by monkey_business
Fri Jul 26, 2019 4:00 pm
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18597

Re: Laid Off - Want to Retire / Am I OK

Some of the responses here to threads like this are what make regular folks think retirement is impossible. The average household income in the US is less than $60k a year. The OP has a net worth equal to over one hundred times the average annual income. He could see his portfolio increase 0% real f...
by monkey_business
Mon Jul 22, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5131

Re: Whole Bean Coffee: Worth the effort?

If you brew cheap mainstream (almost anything from a regular supermarket) pre-ground coffee in a cheap drip coffee maker, and think it tastes fine, then do not get whole bean coffee. You are simply not into coffee, and grinding is not worth the effort for you.
by monkey_business
Fri Jul 19, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 19016

Re: Has anyone seen the documentary "Playing with FIRE?"

I'm not sure what point you're trying to make. What's the point of any of your life choices? My point is we all make life choices in how we live our lives, and if we are happy in our life choices today then those are the right choices for us today regardless of whether we die at 52 or 92. So if som...
by monkey_business
Fri Jul 19, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 19016

Re: Has anyone seen the documentary "Playing with FIRE?"

It's not necessarily a matter of regret, but rather the journey to that point. Suppose you could have saved more and retired at 40, but decided you'd rather be much more safe and retire at 60. You get struck by lightning at age 50 and die instantly. While there will be no regret, you would have exp...
by monkey_business
Fri Jul 19, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 19016

Re: Has anyone seen the documentary "Playing with FIRE?"

Being conservative is good to an extent. However, I feel a good number of folks here forget that life is finite. Waiting until the last decade or two of your life to enjoy the fruits of your labor carries a lot of risk as well. What is the risk of you dying prematurely? What is the risk of your hea...
by monkey_business
Fri Jul 19, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 19016

Re: Has anyone seen the documentary "Playing with FIRE?"

Being conservative is good to an extent. However, I feel a good number of folks here forget that life is finite. Waiting until the last decade or two of your life to enjoy the fruits of your labor carries a lot of risk as well. What is the risk of you dying prematurely? What is the risk of your hea...
by monkey_business
Fri Jul 19, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 216
Views: 19016

Re: Has anyone seen the documentary "Playing with FIRE?"

Being conservative is good to an extent. However, I feel a good number of folks here forget that life is finite. Waiting until the last decade or two of your life to enjoy the fruits of your labor carries a lot of risk as well. What is the risk of you dying prematurely? What is the risk of your heal...
by monkey_business
Thu May 23, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2675

Re: Wiper blade replacement

I buy the one piece Goodyear or Michelin wipers from Costco. They are much cheaper than anywhere else I found, and work well. Sometimes Costco has a sale on them where it's $7 for a pair. I've been happy with them.
by monkey_business
Sat May 11, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164586

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

CULater: Is the stress, anxiety, anger, etc that you have been feeling for a long time due to this car worth the $8k or whatever you're trying to save here? I'm honestly puzzled why you still have it. What's the point of being a Boglehead if you can't even spend a bit of money to get rid of some mis...
by monkey_business
Wed May 01, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 12323

Re: Who is buying 1-3 year old used Toyotas and Hondas?

I bought a one year old Mazda with less than 10k miles, for $8k less than the best negotiated price I could get on a new one, at the end of the year, from all the Mazda dealers in the area.

Good deals can be had on cars of any age if you negotiate well.
by monkey_business
Wed Apr 24, 2019 2:40 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 16071

Re: Dump international?

A few more question for those against international: 1. If you believe international exposure has more inherent risk, such as less stable currencies, political climate, business environments, etc, why do you not apply the same type of logic and pick individual stocks? Why not invest only in companie...
by monkey_business
Wed Apr 24, 2019 1:07 pm
Forum: Personal Investments
Topic: Dump international?
Replies: 228
Views: 16071

Re: Dump international?

Question for those advocating against international: Do you also advocate against domestic large caps? Historically, small caps have outperformed large caps: https://www.bogleheads.org/wiki/Historical_and_expected_returns Why not go all the way, dump all these portfolio anchors, and just invest in s...
by monkey_business
Thu Apr 04, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: Make sure your retirement investment plan includes being fired from your job in your 50s
Replies: 285
Views: 17325

Re: Make sure your retirement investment plan includes being fired from your job in your 50s

I agree with KlangFool regarding basic supply and demand and how the H1B program affects it. It's not that H1Bs are paid a fraction of their domestic counterparts, they are not, it's that bringing more and more engineers into the US increases the supply, which puts downward pressure on salaries. If ...
by monkey_business
Fri Mar 22, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 12614

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I agree and disagree with Taylor's post. I agree in that there is always a big opportunity cost to expensive purchases such as cars. Investing the money instead will allow you to save much more. However, I think the point is to realize that this happens, and make the necessary changes to your lifest...
by monkey_business
Thu Mar 14, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164586

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

"Well looks like the oil problem has not slowed sales... so much for research before buying a car" You are absolutely correct - but if you do some research on many brands of cars you will find similar or worse issues. People either don't research, or, oddly enough, knowingly buy cars with problems....
by monkey_business
Fri Mar 08, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Rate
Replies: 97
Views: 7649

Re: Savings Rate

...Now, I don't count employer match toward my "savings rate"... Just curious, why is that? If the idea is to save X% per year to reach $Y amount in Z years, why wouldn't your employer's contributions affect X? I understand not counting the portion of the match that is not vested (if you have that)...
by monkey_business
Tue Mar 05, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 20714

Re: Talk me in/out of $35k Tesla Model 3

But if I want to turn down the radio, I can keep my eyes on the road and feel for the volume knob. You make it sound like it's so difficult to turn down the radio on a Model 3. I can keep my eyes on the road and use the left scroll button on the steering wheel to adjust volume (or mute/pause) and c...
by monkey_business
Tue Mar 05, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: Selling Car
Replies: 46
Views: 2102

Re: Selling Car

Selling it using online services like Craiglist is a real time sink. You will get dozens upon dozens of calls asking you to reduce the price (sight unseen), deliver it, people making appointments to see it that never show up, etc. Eventually you can do it but you will expend a lot of time. This is ...
by monkey_business
Mon Mar 04, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 20714

Re: Talk me in/out of $35k Tesla Model 3

And to clarify: when I gave the example of seemingly simple autonomous vehicles functions not behaving as expected, I was making a point that even the basics are not ironed out yet. I understand that something in your typical Toyota is not as cutting edge as what a Waymo van has but if we are *that*...
by monkey_business
Mon Mar 04, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 20714

Re: Talk me in/out of $35k Tesla Model 3

You guys seem to be confusing what is currently available in mass-market production with the full capabilities of current technology. They are nowhere near the same. Mass market always lags behind technical capabilities, and even more so with cars given that vehicle designs are finalized years befo...
by monkey_business
Mon Mar 04, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 20714

Re: Talk me in/out of $35k Tesla Model 3

In the future yes, the computers will be better. But right now the technology for complete autonomy is not there yet. It works in very specific conditions but is not yet advanced enough to deal with unclear lane markings, inclement weather conditions, poor visibility and various other issues that h...
by monkey_business
Sun Mar 03, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 20714

Re: Talk me in/out of $35k Tesla Model 3

No, OP, you cannot afford it. Spending $35k on a vehicle in your financial state would be suicide. I recommend drastically cutting expenses, think rice and beans, and saving much more aggressively. A car altogether is out of the question. Cheap bicycle at best. Once you are at $10MM net worth, you c...
by monkey_business
Tue Feb 12, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 11163

Re: Diamonds are forever.

I don't really understand the concept of upgrading engagement rings. The ring is meant to be a symbol of something, and come from a person's heart. If you upgrade it, you just turn into a meaningless piece of jewelry, with more bling overriding emotional value.

Maybe it's just me.
by monkey_business
Fri Feb 08, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Satellite radio pricing ridiculousness
Replies: 54
Views: 3955

Re: Satellite radio pricing ridiculousness

I used to have XM for close to 10 years and did this dance every 5 months. They have a deal for 5 months for $25 but the only way to get it is to say you're canceling. Occasionally, I would forget to call and end up paying their regular rate for a month or so until I called them. I also got tired of...
by monkey_business
Fri Feb 08, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11167

Re: Money saving move you regret the most?

I'm pretty sure alcohol related deaths are due to alcoholism, drunk driving, etc., and not due to people having a beer or a glass of wine with their dinner. Most recent research says that any alcohol consumptions (yes including your glass of red wine) is unhealthy. It is a very minor effect for the...
by monkey_business
Fri Feb 08, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11167

Re: Money saving move you regret the most?

Bringing food to the airport, restaurants, public events, etc. I actually would enjoy it if my wife, friends, and colleagues were less embarrassed. You bring your own food when you go out to a restaurant? Am I reading that right? Do you also bring your own beer when you go out to a sports bar?lol Y...
by monkey_business
Wed Jan 16, 2019 10:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 53904

Re: John Bogle has died at age 89

Thank you, Mr Bogle, for what you have done for the little guy.

Rest in peace.
by monkey_business
Thu Jan 10, 2019 11:48 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13707

Re: Recommendations for a 9mm handgun

Never owned or used a gun before but thinking about purchasing one. After a little research I am thinking a 9mm might be the best handgun for a beginner like me. Can anyone recommend a particular brand/model? Thanks You describe yourself as a beginner; recognizing your own lack of experience and re...
by monkey_business
Wed Jan 09, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance informs me after procedure that they won't cover all of it
Replies: 20
Views: 1627

Re: Health insurance informs me after procedure that they won't cover all of it

I love the "don't need anesthesia" arguments for outpatient procedures. Another gentle reminder that insurance has absolutely no vested interest in broad, patient well being or comfort. Just give them a leather belt to bite and a bottle of whiskey. A leather belt and a bottle of whiskey will cost $...
by monkey_business
Tue Jan 08, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13707

Re: Recommendations for a 9mm handgun

Glock 19.

As reliable as they get. Easy to maintain. Easy to shoot. Not expensive. It's the Corolla of pistols.
by monkey_business
Sun Jan 06, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Strategies to combat or justify lifestyle creep
Replies: 91
Views: 7410

Re: Strategies to combat or justify lifestyle creep

pdavi21 wrote:
Sat Jan 05, 2019 11:45 pm
Avoid the three "f"s:
1. Friends
2. Family
3. Fun
Cycle wrote:
Sun Jan 06, 2019 3:16 pm
I might get a Tesla after I hit 4MM, until then I'll ride my bike. JK not going to get a car.

Just make sure u maintain a 70% net savings rate and it won't matter what u spend money on.
:D
by monkey_business
Sun Jan 06, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Engagement Ring (Affordable)
Replies: 136
Views: 8071

Re: Engagement Ring (Affordable)

What about moissanite?
by monkey_business
Sat Jan 05, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 15822

Re: Which Compact SUV Should I Buy?

Love my 2017 CX-5 and 2018 Mazda 3. I find Mazda gets very little respect outside of Mazda fans. I hear a lot of, “isn’t that just a rebranded Ford?” I am planning to replace my 2009 CR*V during the next year. The default would have been to buy another CR*V because I love it and it has been extreme...
by monkey_business
Sat Jan 05, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 15822

Re: Which Compact SUV Should I Buy?

Love my 2017 CX-5 and 2018 Mazda 3. I find Mazda gets very little respect outside of Mazda fans. I hear a lot of, “isn’t that just a rebranded Ford?” I am planning to replace my 2009 CR*V during the next year. The default would have been to buy another CR*V because I love it and it has been extreme...
by monkey_business
Fri Jan 04, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 3027

Re: Thoughts on the new Maxima?

The "total reliability of a brand" is one of the most meaningless metrics out there. I disagree. Nissan is generally not in the same ballpark as Toyota for build quality. It's not just a few anecdotes but statistics. Sure it's a generalization to lump all models together but it's a valuable metric ...
by monkey_business
Fri Jan 04, 2019 6:48 pm
Forum: Personal Investments
Topic: Ever wonder if you are saving Too Much?
Replies: 67
Views: 5620

Re: Ever wonder if you are saving Too Much?

There are many pathological forms of consumption, but there may also be unhealthy forms of deferring consumption. Thanks to @PhilosophyAndrew This was one of the smartest comments on this thread and something for the Boglehead group to kick around. I notice some "unhealthy forms of deferring consum...
by monkey_business
Wed Jan 02, 2019 7:01 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164586

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

mortfree wrote:
Wed Jan 02, 2019 1:02 pm
Trade it in already, please.
Agreed.

CULater,

Is there a reason why you still have this car? If the reason is financial, I think losing money by trading in your almost new CR-V is worth it to save yourself from all the stress and aggravation you seem to be experiencing.
by monkey_business
Wed Jan 02, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 3027

Re: Thoughts on the new Maxima?

The "total reliability of a brand" is one of the most meaningless metrics out there. I disagree. Nissan is generally not in the same ballpark as Toyota for build quality. It's not just a few anecdotes but statistics. Sure it's a generalization to lump all models together but it's a valuable metric ...
by monkey_business
Wed Jan 02, 2019 9:56 am
Forum: Personal Consumer Issues
Topic: Thoughts on the new Maxima?
Replies: 42
Views: 3027

Re: Thoughts on the new Maxima?

I was/am a Nissan fan, but I wouldn't buy a Maxima these days for all the reasons stated in this thread. If I were in the market for a sporty 4-door, I would look at the following: VW GTI Honda Civic Si or Type R Honda Accord 2.0T Kia Stinger Genesis G70 If you really want to stay with Nissan, I wo...
by monkey_business
Sun Dec 23, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164586

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Can consider the Hyundai Santa Fe but we are faced with a direct-injected engine. at least no turbo, but I think it's the DFI that is the main problem. RAV4 has dual port and direct, which should avoid the carbon build-up issue anyway and should have less trouble with fuel in oil. I'd like to see a...
by monkey_business
Fri Dec 14, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

ssquared87 wrote:
Fri Dec 14, 2018 1:23 pm
The Passat only has a marginal rating for passenger side safety and the Jetta is slightly better with an acceptable rating
Look at the side and small front overlap tests over the last 15 years between two models. Whenever a new test is added, the Camry tends to do poorly.
by monkey_business
Fri Dec 14, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

Do you really believe that VW Golfs added in anyway to the pollution? It's just hilarious... It was really more about breaking the law than about the pollution. OK, so I became curious about this and checked it out on Wikipedia. Someone previously posted this pollution was laughable. That's what I ...
by monkey_business
Fri Dec 14, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

Just to clarify: I realize everything stated here is just anecdotes. I've read the reliability data out there and now am just interested in hearing directly from folks around here that have first hand experience with the brand. It's more interesting for me to see how Bob's Golf runs, and how Jenny's...
by monkey_business
Thu Dec 13, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

+1 Oh, and don't forget now they are being investigated for illegally selling pre-production vehicle to unsuspecting customers. As much as I like cars like the GTI, I'm not going to buy a product from a company which has no qualms about breaking environmental laws and taking advantage of their cust...
by monkey_business
Thu Dec 13, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

So you're OK buying a car from a company that plead guilty to violating the US Clean Air Act and paid more $4B in fines? Why, because you like the "style" of the car? I'd think about supporting companies that are innovative, build high quality products, and know how to obey the law. It's all about ...
by monkey_business
Thu Dec 13, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

So you're OK buying a car from a company that plead guilty to violating the US Clean Air Act and paid more $4B in fines? Why, because you like the "style" of the car? I'd think about supporting companies that are innovative, build high quality products, and know how to obey the law. It's all about ...
by monkey_business
Thu Dec 13, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 36
Views: 2201

Re: Buying used car

manuvns wrote:
Wed Dec 12, 2018 10:55 pm
i won't buy a used honda i am a toyota fan
Cool.
by monkey_business
Wed Dec 12, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Re: Volkswagen Reliability

Volkswagen is trash. 1st hand and 2nd hand experience. That 2.0T engine is especially trash. Although they do come with a 6 year warranty so if you want to keep it for 5 years or so you can protect yourself from repair costs and still sell it to someone under warranty. Expect to be in the shop a lo...
by monkey_business
Wed Dec 12, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5870

Volkswagen Reliability

For those with first hand experience with newer (2010+) Volkswagens, what has your experience been in regards to reliability? I am considering a new Golf GTI and my only reservation is whether it can serve me well for ~10 years or so.