Search found 758 matches

by cheapskate
Wed Sep 11, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4655

Re: Best Dog Car?

I bought a Outback for my 2 large dogs, but it was a mistake. I think that I should've bought a minivan where I could fold back the rear row, and remove the middle seats (which most minivans now offer ?). The advantages here are that there is lots of room for the dogs if you go on a drive longer th...
by cheapskate
Wed Sep 11, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Best Dog Car?
Replies: 70
Views: 4655

Re: Best Dog Car?

I bought a Outback for my 2 large dogs, but it was a mistake. I think that I should've bought a minivan where I could fold back the rear row, and remove the middle seats (which most minivans now offer ?). The advantages here are that there is lots of room for the dogs if you go on a drive longer tha...
by cheapskate
Sun Aug 18, 2019 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 7453

Re: Moving from Bay area, CA to Knoxville, TN

You don't mention what your age is, how many years you have left in the workforce, but I assume you are in your late 20s or 30s. I would like to present a viewpoint contrarian to the most you read and advise you stay in the Bay Area. I'll focus purely on the career aspects. The rest are too subjecti...
by cheapskate
Wed May 15, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 2428

Re: Fair price for new Subaru Outback?

Whether to wait for the new model or get the current one depends on whether (a) the features in the new model are worth the extra $ (b) one is happy with the features in the old model (c) is the car going to be driven until it dies or whether it will be traded up in a couple of years. I always hang ...
by cheapskate
Wed May 15, 2019 1:36 pm
Forum: Personal Consumer Issues
Topic: Fair price for new Subaru Outback?
Replies: 20
Views: 2428

Re: Fair price for new Subaru Outback?

Not sure if you already bought, hope this helps. I bought a new 2019 Subaru Outback (base model) for 21.8 last week (Bay Area). I got a few quotes, made 2 dealers compete (on phone/text). Got that quote and bought quickly (I needed to buy a car urgently). I got the sense that dealers are willing to ...
by cheapskate
Mon Mar 18, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10289

Re: Paris - Is It Safe?

Totally safe. Fantastic food, friendly people, amazing sights. Take the usual precautions (worst that might happen to tourists is they might have their pockets picked). (a) Don't keep your wallet or iPhone in your back pocket on the metro. Keep a lighter wallet in your front pocket (b) Don't put val...
by cheapskate
Wed Mar 06, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting view of Uber/Lyft -
Replies: 26
Views: 2687

Re: Interesting view of Uber/Lyft -

The reason they are strenously trying to differentiate themselves from the taxi business is that as a taxi business, the valuation is insane, and simply not justifiable. A couple of years ago, worldwide taxi revenues were around 25B (I was shocked to see it was that low), but even if we generously ...
by cheapskate
Wed Mar 06, 2019 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting view of Uber/Lyft -
Replies: 26
Views: 2687

Re: Interesting view of Uber/Lyft -

The reason they are strenously trying to differentiate themselves from the taxi business is that as a taxi business, the valuation is insane, and simply not justifiable. A couple of years ago, worldwide taxi revenues were around 25B (I was shocked to see it was that low), but even if we generously a...
by cheapskate
Wed Mar 06, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting view of Uber/Lyft -
Replies: 26
Views: 2687

Re: Interesting view of Uber/Lyft -

We have 2 vehicles in our family (cheap to operate and maintain Toyotas). If we were to ditch these and take Uber/Lyft everywhere (even including the generous subsidies), we'd easily spend $150-200/day. Our cars don't cost anywhere near $4500-$6000/month to operate and maintain. Uber costs $1-2 per...
by cheapskate
Wed Mar 06, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Interesting view of Uber/Lyft -
Replies: 26
Views: 2687

Re: Interesting view of Uber/Lyft -

The massive valuations of Uber and Lyft are based on the hope that they will make auto ownership unnecessary. This is not a given, especially in developed countries. High labor costs is a massive counterforce against this hope. Unless autonomous electric vehicles become a reality, the cost of a shar...
by cheapskate
Tue Jan 22, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather
Replies: 61
Views: 6135

Re: Is it wise to move from NewYorkCity to Sunnyvale CA, Lifestyle choice to be more outdoorsy - warm weather

If you are looking at renting a home in the Sunnyvale area, a few pointers : - The rental housing stock in the South Bay is generally old and poorly maintained. There is so much demand that owners see little reason to update properties. The most they will do is fix plumbing issues etc. Apartments of...
by cheapskate
Wed Jan 02, 2019 2:35 am
Forum: Personal Investments
Topic: How should I (or should I) get out of my DFA portfoilo
Replies: 7
Views: 713

Re: How should I (or should I) get out of my DFA portfoilo

I am in a similar situation as you. I am trying to get out of DFA because I am fed up with DFAs tendency to throw off large capital gains distributions. I am doing 2 things : 1) using any opportunity I get to TLH out of DFA. 2) I am taking dividends and cap gains from DFA in cash and rotating that i...
by cheapskate
Fri Dec 28, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7846

Re: Anyone here major in Economics in college?

My kid was top 5 math students in high school. She was going to major in Math in college. Luckily I did spend a lot of time on one college website to know better. I suggested engineering, luckily she was not too rebellious, she took my advice. In college, the math classes kicked her arse big time. ...
by cheapskate
Fri Dec 28, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7846

Re: Anyone here major in Economics in college?

I would not recommend majoring in Economics. It would be a lot better to major in Business (and take a lot of quantitative courses as electives). 1) Undergraduate teaching in Economics is very often horrendous, especially in large state universities with amphitheatre style lecture halls (eg at the U...
by cheapskate
Thu Dec 20, 2018 6:35 pm
Forum: Personal Investments
Topic: FAANG
Replies: 48
Views: 3957

Re: FAANG

They did so well then tanked for reasons beyond me. I didn't sell all of them and they continued to fall. Now they seem like screaming bargains to me, but the rest of the world doesn't agree. I plan to just hold what I've got on the premise that they'll eventually return to their highs over the nex...
by cheapskate
Sun Dec 16, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Annoyingly Expensive HP Ink Cartridges
Replies: 34
Views: 2914

Re: Annoyingly Expensive HP Ink Cartridges

Another vote for (Brother) Laser. I got sick of inkjet cartridges drying out, and HP printers flaking out when non-HP cartridges were installed. So I bought a Brother HL-L2340 printer (doubt they sell that anymore). It is going strong after several years. It is B/W (I go to Kinkos on the very rare o...
by cheapskate
Fri Nov 30, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4548

Re: Best new Mac/features for 2000-3000

For your needs, I would highly recommend the new Macbook Air 13". You can get the 8 GB RAM/128GB SSD configuration for something like $1050, without taxes or shipping (at B&H). Add a HDMI(+USB-A)<-->USB-C dongle and a 27" monitor and you can set this thing up with dual screens, external USB keyboard...
by cheapskate
Sat Oct 20, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 9191

Re: Lufthansa Premium Economy

Have you flown frequently enough to notice anything new? Will be mindful of these factors the next time I find myself in that aircraft. My wife flew to Asia on LH this month. She got the $100/flight leg upgrade for bulkhead seats. She felt the flight was very comfortable. No visible sign of jetlag....
by cheapskate
Tue Aug 28, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23738

Re: Decent compensation to move to Bay Area CA?

A) So, there are no top notch people outside of Bay Area? B) In fact, why would any family oriented top-notch people want to work in the Bay Area? It is not a family-friendly environment. KlangFool I am not a Silicon Valley fanboy, in spite of having lived here nearly 30 years, I've seen how people...
by cheapskate
Tue Aug 28, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 23738

Re: Decent compensation to move to Bay Area CA?

I have a family of 4 and we live in Charlotte area. I make ~ $140k annually (can sacrifice my work life balance and make ~160k) as an IT guy (I'm a kind of tech lead \ architect). We live in a $320k 2400 sq ft 4bd house and are able to save few buck into taxable account (401k maxing out as well). I...
by cheapskate
Fri Jul 27, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12013

Re: Facebook stock in freefall! (20% drop in 1-day)

One out of every five humans uses Facebook each day. And most of them are in India. This ! WhatsApp is most popular in India. I, for one, am extremely skeptical that facebook can monetize WhatsApp users in India effectively. I think it is going to be a challenge monetizing WA users elsewhere too. f...
by cheapskate
Fri Jul 27, 2018 3:57 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12013

Re: Facebook stock in freefall! (20% drop in 1-day)

I was under the impression that they didn't meet their quarterly benchmarks? Add that to the recent Facebook scandal and investors start to lose some faith. It's all speculative in the short term though. I can't image Facebook actually going away. What are you gonna replace it with? Myspace? Nothin...
by cheapskate
Fri Jul 27, 2018 3:19 am
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12013

Re: Facebook stock in freefall! (20% drop in 1-day)

The fact that user engagement has completely stalled in US/Canada and is actually dropping in Europe is a serious concern for the company. The same network effects that propelled engagement (and therefore ad revenue) ever upward could work on the way down too. Anecdotally, among my friends, usage ha...
by cheapskate
Thu Jul 26, 2018 12:13 am
Forum: Personal Investments
Topic: DFA funds vs. Vanguard
Replies: 2
Views: 605

Re: DFA funds vs. Vanguard

Beware the tax consequences of holding DFA funds in taxable accounts. DFA has a nasty habit of large cap gains distributions. Personal experience from holding DFA Vector funds in taxable over the past decade is negative from a tax point of view. In 2017, if memory serves, DFA Vector distributed betw...
by cheapskate
Mon Jul 02, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 4787

Re: Recommend airline luggage fitting in overhead bin?

I bought this bag from Costco in May, used it on a trip to the UK, we used public transportation, and pulled this bag, along with smaller/larger 4 wheel samsonites (also Costco) on the streets back and forth from Tube stations. Happy to say that the all wheel spinners held up well. I like this Skywa...
by cheapskate
Tue Jun 26, 2018 4:36 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 2322

Re: Thoughts on Canadian Universities [Dual US / Canadian citizen]

There are a lot of kids I know in the Bay Area who are at UBC. Reputationally, UBC seems to be in the same league as large US state universities (I know dual-citizen kids who have got into U of California campuses, but have preferred to go to UBC). If your daughter has any interest in Business or co...
by cheapskate
Fri Apr 27, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 43819

Re: Vanguard New Factor Funds Portfolio Statistics

I agree. Reminds me of the Taylor Swedroe Portfolio which I champion. DFA US Vector Equity I DFVEX DFA World ex US Targeted Val Instl DWUSX (22% or so Emerging Markets) And the Intermediate Term Bond Fund(s) of your choice. BND, IEI, MUB, BMBIX, etc. One issue with DFVEX is it's tendency to throw o...
by cheapskate
Sun Apr 15, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Unimpressive category averages of managed futures, multialternative, market neutral, etc.
Replies: 82
Views: 10105

Re: Unimpressive category averages of managed futures, multialternative, market neutral, etc.

Look at the bright side, these products go down regardless of what the equity and bond market, providing you with a perennial source of Tax Losses to harvest. Trust me, I own some AQMIX/QMHIX (AQR dog poop that I picked up several years ago, before the S&P went up another 50% on me). These have been...
by cheapskate
Tue Mar 20, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Re: Need advice re: Liberal Arts Colleges...

Hi Cheapskate, Have 2 D myself. Your D sounds like a gem "hardworking etc" You seem to be absolutely convinced that she can't make it into Amherst etc. Has she taken her SATs yet? Maybe she's done the PSAT and she's not ,say,in the top 2% but scores sometime change for the better and there are SAT ...
by cheapskate
Sat Mar 17, 2018 1:18 am
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Re: Need advice re: Liberal Arts Colleges...

"... U.S. higher education produces far more science and engineering graduates annually than there are S&E job openings—the only disagreement is whether it is 100 percent or 200 percent more." https://www.theatlantic.com/education/archive/2014/03/the-myth-of-the-science-and-engineering-shortage/284...
by cheapskate
Wed Mar 14, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Re: Need advice re: Liberal Arts Colleges...

My 2c (based upon nothing more than my own college experience, sending a couple of kids to college, and reading this thread): OP, I expect that your daughter would do better at a college where she wants to be and studying what she wants to do. If I were sure that she was still looking at a number o...
by cheapskate
Wed Mar 14, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Re: Need advice re: Liberal Arts Colleges...

I know several people who started out at community colleges and ended up at prestigious universities. Why were they there? Money. Not because they had bad grades or were "lost." In my area at least, the CCs are excellent and are packed with kids who are saving themselves and/or their parents many t...
by cheapskate
Tue Mar 13, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Re: Need advice re: Liberal Arts Colleges...

Thanks for all the thoughtful and useful comments and advice on this thread. After reading many of these comments, I am more encouraged about LACs. As many posters have mentioned, I think my daughter would be quite miserable if I were to force her into a STEM program - she clearly enjoys her English...
by cheapskate
Tue Mar 13, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 17147

Need advice re: Liberal Arts Colleges...

Thought of getting some advice here, in case Bogleheads have kids who have degrees from Liberal Arts Colleges (LACs) in Social Sciences - Political Science/Public Policy/History/Economics. My younger daughter is a Junior in high school who is dead set on a LAC. She is unsure what she wants to do, an...
by cheapskate
Sun Mar 11, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 43819

Re: Vanguard New Factor Funds Portfolio Statistics

In an earlier posting I saw that the value ETF was similar to 50/50 DFA US large cap value/DFA US SCV (DFLVX/DFSVX). The weighted average of that portfolio is 39.5bps. Wishing, but wouldn’t it be great to get something that performs similarly for 13bps all while having the built-in tax efficiency o...
by cheapskate
Sun Mar 11, 2018 11:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 43819

Re: Vanguard New Factor Funds Portfolio Statistics

In an earlier posting I saw that the value ETF was similar to 50/50 DFA US large cap value/DFA US SCV (DFLVX/DFSVX). The weighted average of that portfolio is 39.5bps. Wishing, but wouldn’t it be great to get something that performs similarly for 13bps all while having the built-in tax efficiency o...
by cheapskate
Fri Feb 16, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 9044

Re: How to get child's skin in the game for college?

For most of us, college is a bridge to a job. She has yet to start college and you have 3+ years of college expenses saved up. Can you tell her she needs to work part time during school (and all summer) during all 4 years of college to support herself during her 4th year of college, and save up that...
by cheapskate
Thu Feb 15, 2018 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Funds Launch
Replies: 30
Views: 5833

Re: Vanguard US Multifactor Funds Launch

I wasn't searching for it, but I just noticed that the Vanguard US Multifactor fund/ETF launched today as did the Value, Momentum, Liquidity, and Quality ETFs. https://advisors.vanguard.com/web/cf/fas-investmentproducts/4421/overview And as long as we are on this topic, here is an interesting artic...
by cheapskate
Wed Feb 14, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 120
Views: 14636

Re: Honda vs. Toyota: Which has more bang for the buck?

We used to buy only Hondas (owned Accords, an Odyssey and a CRV). But now we own a RAV4 and a Prius. Love the RAV4, we got the base 2017 model (in December), one of the last 2017 RAV4s in our area, for a great price. Toyota SafetySense is built in - this includes lane departure warning, collision mi...
by cheapskate
Mon Feb 12, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 8977

Re: Live / work in California - Technology Career

It's very hard to get a job if you are over 50. If anything, the jobs will be as contractors, with frequent job changes and periods of long unemployment and probably unexpected early retirement. +1 Think about this very carefully. It is very hard to get a job over 45 (let alone 50). (1) There is a ...
by cheapskate
Thu Jan 18, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Nostalgic about old online brokerages that no longer exist
Replies: 43
Views: 6305

Re: Nostalgic about old online brokerages that no longer exist

I’m nostalgic about Brown & Co, it was the cheapest comission at the time, $5. I lost track of what happened to it and who acquired it. I did a lot of business there. I might have an account with Waterhouse, but not trading much there. Brown & Co was a good firm, with good customer service. The fir...
by cheapskate
Wed Jan 10, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 3122

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

Another happy Prius V owner (2014). It has a lot of room, yet it is compact and easy to park. Generally maintenance free, although oil changes are more expensive (~$80 vs $40) you only have to change oil every 5K miles (not 3K). I get solidly over 43mpg and I am not a careful driver (in terms of mpg...
by cheapskate
Thu Dec 21, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64182

Re: Fidelity free Turbotax

I pointed out that on this forum, plenty of customers have downloaded this for free without being Active Traders and I tried to push, but Fidelity is holding firm. It's bad form to point this out and risk killing it for others. I said "on a investment discussion forum" - didn't mention this board...
by cheapskate
Thu Dec 21, 2017 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64182

Re: Fidelity free Turbotax

I have never seen the free TT download offer, in spite of Private Client status for over a decade. I called Fidelity several times, the line now is that the free TT offer is only available for Active Traders. I pointed out that on this forum, plenty of customers have downloaded this for free without...
by cheapskate
Tue Dec 19, 2017 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64182

Re: Fidelity free Turbotax

Getting different answers from Reps at Fidelity. I called Fidelity again. They now say that only Active Traders get the free download. And Active Trader status is purely based on trades - not on account balance. The rep I spoke with in the afternoon said something different. He said I qualify for th...
by cheapskate
Tue Dec 19, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64182

Re: Fidelity free Turbotax

Thanks. I didn't see the download link/message and called Fidelity. They said it may be a timing thing and should show up at some time. In the meantime, the person I spoke to told me I could purchase it and call Fidelity tell them the amount and they'd re-imburse. It is possible they are rolling thi...
by cheapskate
Tue Dec 19, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64182

Re: Fidelity free Turbotax

Where (once you login to fidelity) can I find the link to the Turbo Tax download ? When I search for Turbo Tax, I only see the results for $20 off.

I do have Private Client status (if that is needed for this offer). I have never downloaded Turbo Tax from Fidelity before.
by cheapskate
Sat Dec 02, 2017 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 10422

Re: The College Bubble - investment opportunities after the collapse?

A fairly disturbing (serious, historical) book out right now points out that the great rebalancings of wealth only take place with major violence. French Revolution. World Wars. Revolutions. Etc. (i'd have to look up the author, but he is a historian and the book has been taken seriously). Given th...
by cheapskate
Fri Dec 01, 2017 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: The College Bubble - investment opportunities after the collapse?
Replies: 114
Views: 10422

Re: The College Bubble - investment opportunities after the collapse?

Not sure if there is a investment/money making opportunity here. For-profit higher education does not really solve the problem and has been a total bust. Not clear that 100% online will ever replace a traditional college. To me, community colleges that evolve and award AA degrees that are more align...
by cheapskate
Mon Nov 27, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 9670

Re: CNBC says Vanguard says 70% Chance of "Correction"

I wIsh Vanguard would just keep the focus on expected 10 year returns for various asset classes instead of trying to handicap the odds of a short term bear market. Others like Research Affiliates seem to do the right thing here with periodic updates to their expected 10 year returns for various asse...