Search found 5479 matches

by stoptothink
Tue Jun 18, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 70
Views: 3549

Re: Toyota Sienna tire replacement at 12k miles

We looked into getting standard tires, but the dealer and major tire chains will not put them on, as this 'inappropriate equipment for the vehicle'. We were told to get standard tires we'd need to buy and find someone to mount them ourselves. Unsure if this is a load of nonsense or really the case....
by stoptothink
Tue Jun 18, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta
Replies: 21
Views: 1038

Re: Where to Live? N. Orange County, CA or Vancouver, WA or Atlanta

left The OC four years ago? Good luck finding comparable housing to what you had. Not gonna happen unless you have a lot of cash stashed in the bank that you want to use for a downpayment. Check out current housing prices in your old stomping grounds on something like zillion or redfin or other onl...
by stoptothink
Tue Jun 18, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 1765

Re: Help with car decision

+1 on the Fit. I've taken mine all over Colorado and Utah down all sorts of dirt roads. Mud, snow, ice, no trouble whatsoever. Good winter tires are critical but that's a relatively cheap investment. If you don't have space to store a second set of tires look around for tire storage companies. I pa...
by stoptothink
Mon Jun 17, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

I also bought a student rental in my university town and sold it after I graduated and doubled my initial investment in about 4 years. You are pretty quick to make conclusions here that I only have <1 year of RE investing experience. Now that I make good income and have less time to manage rentals,...
by stoptothink
Mon Jun 17, 2019 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

We bought two SFHs with very good schools in a LCOL~MCOL city last year. Gross yield is about 7% and cap rate is probably 4% to 4.5%. Financed at 75% LTV at around 4% interest rate. We hired a property management company so we did almost zero work after purchase. Vacancy is pretty quick and easy to...
by stoptothink
Mon Jun 17, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

We bought two SFHs with very good schools in a LCOL~MCOL city last year. Gross yield is about 7% and cap rate is probably 4% to 4.5%. Financed at 75% LTV at around 4% interest rate. We hired a property management company so we did almost zero work after purchase. Vacancy is pretty quick and easy to...
by stoptothink
Mon Jun 17, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

Don’t take this the wrong way but have you considered your dad is not a good real estate investor? And yes, real estate investing is not difficult for me but like I had previously stated, I come from a family with strong business background. Nope. I have not considered that because it is not true. ...
by stoptothink
Mon Jun 17, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

I just read through this thread thinking every new post from the OP would be the one that he seemed to be building up in in his very first post: I Made Millions Investing In Real Estate and You Can To!! Ask me how! Three easy payments of $49.99 +s/h. I've rarely seen someone try to sell something S...
by stoptothink
Mon Jun 17, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are you NOT buying rental properties?

We bought two SFHs with very good schools in a LCOL~MCOL city last year. Gross yield is about 7% and cap rate is probably 4% to 4.5%. Financed at 75% LTV at around 4% interest rate. We hired a property management company so we did almost zero work after purchase. Vacancy is pretty quick and easy to...
by stoptothink
Mon Jun 17, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 1765

Re: Help with car decision

I don't see why anyone would NOT buy an AWD car, regardless of location. Why not get the safest drive system available? Subaru builds a superior AWD system. Crosstrek is a good option maybe. Because it isn't necessarily "safest" and you pay a premium when you purchase, at the gas pump, for tires, a...
by stoptothink
Mon Jun 17, 2019 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 1765

Re: Help with car decision

Having lived in Boston, I understand where you are coming from. Outbacks are very popular there and make great winter cars. What are the actual values/prices of your Accord and the Outback you want to buy? You should avoid thinking in terms of payment and focus on the overall cost of this upgrade. ...
by stoptothink
Sun Jun 16, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Keep car and pay for maintence or get new car
Replies: 22
Views: 1030

Re: Keep car and pay for maintence or get new car

It’s a belt - I checked It’s 105,000 or 7 years - time or distance for the 2012 TL. Since the engine is dependent upon this, I am reluctant to push it too far 8yr old car with <$70k/miles, still 30k miles from a timing belt or really any maintenance ? This isn't a financial question, that's pretty ...
by stoptothink
Sat Jun 15, 2019 9:01 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 24
Views: 1956

Re: Anyone make their own tortillas?

Despite growing up in a family where grandma made tortillas every day, I can’t do as well as what we get from the Mexican market down the street. Ditto. But then again, it's probably be at least a decade since I laste ate a tortilla. My sister-in-law makes some amazing ones (according to my wife an...
by stoptothink
Fri Jun 14, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 67
Views: 3713

Re: 40+% increase in auto policy (GEICO) - normal?

fabis wrote:
Fri Jun 14, 2019 6:37 pm
They deny claims so much they have a dedicated in house litigation staff instead of hiring local defense counsels.
Do you honestly believe that there is a single large insurance company that doesn't have in-house counsel?
by stoptothink
Fri Jun 14, 2019 5:58 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 310
Views: 35115

Re: How Bad was 2008, really?

Almost all of my life savings was tied up in real estate developments and I was cash-flowing my (now ex) wife through dental school. Not only did I lose about 2/3 of my life's savings, but it created massive strife in my marriage because I took on another job just so I could continue to put her thro...
by stoptothink
Fri Jun 14, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: used car advice
Replies: 20
Views: 1441

Re: used car advice

have had great experience with VWs, and it's hard to find better value than a used VW Jetta/Passat (as you likely noticed when pricing out the options). Their PR nightmare for the past couple years is our gain. This also effects new VWs, which can be a better value than used. We bought our jetta al...
by stoptothink
Fri Jun 14, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 420
Views: 35938

Re: Why are your NOT buying rental properties?

Trashy tenants: Buy in a good neighborhood. Trashy people can’t afford to live in a good neighborhood. A good property manager should be able to screen them out (credit history, income verification, eviction history). Of course there is no guarantee but there are ways to reduce your risk. Deadbeat ...
by stoptothink
Fri Jun 14, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3199

Re: Buy Mini-Van Tomorrow or No?

Third kids are unfortunately never guaranteed so I’d hold off until you need something. I have a Pacifica Hybrid and love it so far in year two. I would in retrospect buy a used 2017/2018 Kia Sorrento because it’s a simpler car, more reliable and I’ve heard Chrysler’s customer service is poor. It’s...
by stoptothink
Fri Jun 14, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 67
Views: 3713

Re: 40+% increase in auto policy (GEICO) - normal?

This was my worry. I am currently with USAA and pay about $1150 every 6 months. GEICO quoted me $607, but I was worried they would just jack up my rates once I switched. That, and a friend of mine who is a PI attorney said GEICO was awful if you ever needed to use them, and USAA was the best you co...
by stoptothink
Fri Jun 14, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3199

Re: Buy Mini-Van Tomorrow or No?

No and why. Yesterday, my son graduated from high school. My mom and FIL came with the 3 of us. So 5 total. Could we all fit in a Subaru Legacy? Sure. We took 2 cars. For one event in 12 years, it would be stupid to have a bigger vehicle. In a similar way, your mother in law can go in another car.....
by stoptothink
Fri Jun 14, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 3199

Re: Buy Mini-Van Tomorrow or No?

No and why. Yesterday, my son graduated from high school. My mom and FIL came with the 3 of us. So 5 total. Could we all fit in a Subaru Legacy? Sure. We took 2 cars. For one event in 12 years, it would be stupid to have a bigger vehicle. In a similar way, your mother in law can go in another car.....
by stoptothink
Thu Jun 13, 2019 6:02 pm
Forum: Personal Consumer Issues
Topic: used car advice
Replies: 20
Views: 1441

Re: used car advice

Take the 2012 BMW for example. I'm looking at one that is quoted for $15k, with only 60k miles. This was a car that initially sold for 4x that much. Am I missing something? There seems to be incredible value in looking at 6+ year old luxury cars - or is it because if you have some bad luck, the rep...
by stoptothink
Thu Jun 13, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Professional work titles
Replies: 30
Views: 2592

Re: Professional work titles

Titles are completely subjective in many companies and do not "level" well with other organizations. A senior director at one could be a manager at another. The pay, to me, matters more than the title. I'm a senior director, managing a department of over 100 in a ~4,500 employee/$4B+ annual revenue...
by stoptothink
Thu Jun 13, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Sports classes in Universities
Replies: 60
Views: 3363

Re: Sports classes in Universities

Thank heavens I was a college athlete. I would have had a hard time paying the ridiculous fee and wasting a lot of time to satisfy my university's PE requirements.
by stoptothink
Wed Jun 12, 2019 11:27 am
Forum: Personal Consumer Issues
Topic: Subaru Outback 2017 - 2019 Comments
Replies: 20
Views: 2065

Re: Subaru Outback 2017 - 2019 Comments

From what I have read about the 4-cylinder turbocharged engines that many brands seem to be adopting, they are rated to have good fuel economy, but in the real world have significantly lower fuel economy. This is primarily due to the turbo being used at higher RPMs to move a medium to large vehicle...
by stoptothink
Wed Jun 12, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4517
Views: 1164576

Re: What Movie Have You Recently Watched?

For some reason the wife wanted to watch John Wick 1 and 2 over the past few days. I knew they'd be pointless violence (which is usually right up my alley), but I was shocked at the total lack of attempt at creating a believable or cohesive story. And, Keanu Reeves is not believable at all in that r...
by stoptothink
Wed Jun 12, 2019 9:44 am
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5594

Re: How are your 30s financially different than your late 20s?

I'm about to turn 30 this year and am curious what this next decade will bring. I already have a young child, a marriage, home, and career so curious if it gets much different and if there is anything financially I should prepare for. I already have a will, life and disability insurance, and have s...
by stoptothink
Tue Jun 11, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2173

Re: Luxembourg--worth visiting?

magazinewriter wrote:
Tue Jun 11, 2019 11:42 am
Watch a few episodes of the quirky show Patriot on Amazon Prime and you’ll want to go for a visit. Just don’t get into any trouble with the Luxembourg police LOL.
Great show that nobody knows about.
by stoptothink
Mon Jun 10, 2019 6:50 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 71
Views: 6456

Re: Anything you wish you had spent money on when you were younger?

As the perpetual dissenter, I will say definitely not travel. With all the travel I've done, for leisure and for business, I've come to the realization that it just isn't my thing. I blew plenty of money early in my life on international trips trying to enjoy it, and now I travel several times a ye...
by stoptothink
Mon Jun 10, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 71
Views: 6456

Re: Anything you wish you had spent money on when you were younger?

As the perpetual dissenter, I will say definitely not travel. With all the travel I've done, for leisure and for business, I've come to the realization that it just isn't my thing. I blew plenty of money early in my life on international trips trying to enjoy it, and now I travel several times a ye...
by stoptothink
Mon Jun 10, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Are destinations weddings a new trend?
Replies: 8
Views: 648

Re: Are destinations weddings a new trend?

Get married wherever you want, but expecting and pressuring loved ones to attend and foot-the-bill is IMO incredibly selfish. I've been put in that position more times than I can count and the first time was 21yrs ago (my older brother's wedding in Venice), so no, this isn't some new trend. At this ...
by stoptothink
Mon Jun 10, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12240

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Hey Everyone, So, here's an interesting one that I want to see if any Bogleheads have ever been in a similar scenario and have purchased a supercar and more importantly do you think it has provided any value/happiness/fun in your life , and would you or have you done it again ? A little background....
by stoptothink
Mon Jun 10, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 71
Views: 6456

Re: Anything you wish you had spent money on when you were younger?

As the perpetual dissenter, I will say definitely not travel. With all the travel I've done, for leisure and for business, I've come to the realization that it just isn't my thing. I blew plenty of money early in my life on international trips trying to enjoy it, and now I travel several times a yea...
by stoptothink
Mon Jun 10, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35241

Re: For those who earn $500k+ per year. How'd you do that?

I consider compensation as an indicator of individuals contribution and value. To hear that individuals can receive big bucks in tech essentially as ancillary support staff with limited experience other than sales makes me scared. Warren buffet always says be scared when others are greedy and be gr...
by stoptothink
Mon Jun 10, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35241

Re: For those who earn $500k+ per year. How'd you do that?

I consider compensation as an indicator of individuals contribution and value. To hear that individuals can receive big bucks in tech essentially as ancillary support staff with limited experience other than sales makes me scared. Warren buffet always says be scared when others are greedy and be gr...
by stoptothink
Sun Jun 09, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17502

Re: Are You Dumping Netflix?

3 siblings and I split the cost for shared Netflix/Prime/HBO/Hulu. There is no way I'd pay for it alone/separate. Couldn't tell you the last time we actually watched Netflix, their programming has gone down the tubes the last year. Nothing worth watching.
by stoptothink
Thu Jun 06, 2019 4:16 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2033

Re: How do you talk to investment advisors socially?

Two of my closest friends are financial advisors. One of them is every ounce the Boglehead with his own investing, neither one is (obviously) in their career. We simply don't discuss investing at all, ever.
by stoptothink
Thu Jun 06, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

I cook a lot and a decent chef's knife is definitely worth the extra $$ (to me). This is a good one and I agree. I always find it hilarious when well-to-do people have a block with 25 different low quality knives (probably $300 for the set) on their kitchen counter. A person really only needs 1-3 k...
by stoptothink
Thu Jun 06, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

I cook a lot and a decent chef's knife is definitely worth the extra $$ (to me). This is a good one and I agree. I always find it hilarious when well-to-do people have a block with 25 different low quality knives (probably $300 for the set) on their kitchen counter. A person really only needs 1-3 k...
by stoptothink
Thu Jun 06, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 482
Views: 51717

Re: What is/ was your career and would you recommend it now?

Military officer for 9 years. Now IT Management at a megacorp. Still part time military officer (National Guard). And my favorite job, husband and father of 3. I haven't planned much of where I've ended up, but it has all been good. I recommend the military, either active or reserve, officer or enl...
by stoptothink
Thu Jun 06, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3655

Re: Does a big family need 2 big cars? Question for 3 kid+ families

> wife says: "What if the van goes in the shop?" Find people who go to the same schools/work and learn to car pool temporarily when one of your cars (new friend’s or yours) is being worked on. A co-worker who lived further from work than I did would take a bus to my place, then we’d ride together. ...
by stoptothink
Thu Jun 06, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

Huh? You can choose to work somewhere else, including applying to be a pilot, FBI agent, jockey, electrician, etc. Nobody is stopping you from trying. It's on you if chances of gaining gainful employment in endeavors you are not qualified for is slim. I could choose to work somewhere else, but the ...
by stoptothink
Thu Jun 06, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

I haven't purchased any clothing at Sams, not keen on the quality (usually buy clothing at Kohl's or Macy's) so does Costco have decent clothing? Recently they've introduced a new aggravation - rotating non-perishable food inventory around the store from time to time. One visit the dog food will be...
by stoptothink
Thu Jun 06, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

Huh? You can choose to work somewhere else, including applying to be a pilot, FBI agent, jockey, electrician, etc. Nobody is stopping you from trying. It's on you if chances of gaining gainful employment in endeavors you are not qualified for is slim. I could choose to work somewhere else, but the ...
by stoptothink
Thu Jun 06, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4760

Re: Company requiring salaried employees to clock in?

If fortunate enought to be in the salaried group... After 40 years in the salaried group I consider myself fortunate to be in the hourly group for my part time job in semi-retirement. I agree. I've never considered it "fortunate" or beneficial to be salaried. It simply allows my employer(s) to make...
by stoptothink
Thu Jun 06, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7683

Re: What flagship (even used) item is better than a budget new item?

What products in life that worth buying the "flagship" version of them? My own experience: I bought the following item as "budget" AKA cheap and regretted it - Brand new Moto G5 plus. Now that I switched to Pixel 2 (bought used) I see a huge difference in speed and performance. - I tried the Nespre...
by stoptothink
Thu Jun 06, 2019 9:15 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35241

Re: For those who earn $500k+ per year. How'd you do that?

These are quota-carrying sales positions. Sales people don’t need to have subject matter expertise to be successful. How many pharma reps have pharmacy or even science degrees? The fact that they were able to pass the resume screens and interviews clearly show that they have a knack for and interes...
by stoptothink
Wed Jun 05, 2019 10:57 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8210

Re: Costco or Sam's Club?

I haven't purchased any clothing at Sams, not keen on the quality (usually buy clothing at Kohl's or Macy's) so does Costco have decent clothing? Recently they've introduced a new aggravation - rotating non-perishable food inventory around the store from time to time. One visit the dog food will be...
by stoptothink
Wed Jun 05, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35241

Re: For those who earn $500k+ per year. How'd you do that?

They have no skills or qualifications specific to their new jobs. These are individuals who have spent the entirety of their education and working careers in health products r&d or QA/QC labs, they rarely even interact with other humans on a daily basis. One of them was hired as an "account executi...
by stoptothink
Wed Jun 05, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 363
Views: 35241

Re: For those who earn $500k+ per year. How'd you do that?

They have no skills or qualifications specific to their new jobs. These are individuals who have spent the entirety of their education and working careers in health products r&d or QA/QC labs, they rarely even interact with other humans on a daily basis. One of them was hired as an "account executi...