Search found 278 matches

by Pinotage
Mon Nov 18, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: At What Point Did You Realize You Made It?
Replies: 48
Views: 7216

Re: At What Point Did You Realize You Made It?

My questions are: 1. In your opinion, how am I actually doing? 2. Would you feel relatively comfortable if you were in the same spot? 3. At what point did you realize you "made it"? 4. Is it naive of me to think I kinda made it myself? 1) Great! Your net worth is excellent for your age - certainly ...
by Pinotage
Thu Oct 24, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1269

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Rip off the door with a pair of pliers. I don't believe the OP expressed any problem with removing the door in a conventional way - probably no force required, but the objective is to make it work better, not remove it. Maybe rip the Cavalier off the door instead? Bigger pliers, though. Perfect. Sm...
by Pinotage
Tue Oct 22, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1269

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

tibbitts wrote:
Tue Oct 22, 2019 7:52 pm
Pinotage wrote:
Tue Oct 22, 2019 7:29 pm
Rip off the door with a pair of pliers.
I don't believe the OP expressed any problem with removing the door in a conventional way - probably no force required, but the objective is to make it work better, not remove it.
Maybe rip the Cavalier off the door instead?

Bigger pliers, though.
by Pinotage
Tue Oct 22, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Gas cap door on a 1995 Chevrolet cavalier has a problem
Replies: 24
Views: 1269

Re: Gas cap door on a 1995 Chevrolet cavalier has a problem

Rip off the door with a pair of pliers.
by Pinotage
Fri Oct 11, 2019 7:30 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5290

Re: Anyone buying PG&E stock?

Interesting the difference a few months can make. Or not?

viewtopic.php?t=270726
by Pinotage
Fri Oct 04, 2019 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do people in HCOL areas have a higher net worth and more wealth building potential than LCOL?
Replies: 289
Views: 22359

Re: Building wealth in LCOL vs HCOL?

EddyB wrote:
Fri Oct 04, 2019 7:30 pm
muffins14 wrote:
Fri Oct 04, 2019 6:58 pm
This may be a relevant discussion:
viewtopic.php?t=285918
Looks like it was started by the same OP.
Wow, that's weird.
by Pinotage
Sat Sep 28, 2019 4:40 pm
Forum: Personal Consumer Issues
Topic: When and should I buy dream car? 1997 Toyota Supra
Replies: 36
Views: 2744

Re: When and should I buy dream car? 1997 Toyota Supra

OP - your message reminded me of this post from a few years ago: https://www.bogleheads.org/forum/viewtopic.php?t=193812 Like you, I look at these cars often. They are the nostalgia/muscle cars of a generation. But, my opinion on ownership hasn't really changed: Full disclosure: I used to own one of...
by Pinotage
Sun Sep 15, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9415

Re: Do You Tip At Counter Service Restaurants?

Housedoc wrote:
Sun Sep 15, 2019 5:51 pm
Pinotage wrote:
Sun Sep 15, 2019 12:54 pm
No, snow tires on FWD are still better than all season tires on AWD.
My mind is suffering heat related stress.... Snow tires have invaded a tip question.
BTW I don't tip at counter.
A Subaru Outback with snow tires will actually tip YOU, but only via the audio jack in your old smartphone
by Pinotage
Sun Sep 15, 2019 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30202

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Just wanted to post a thank you for unlocking the thread.

I think the conversation has been enlightening, and mostly respectful.

It is very easy to fall into the trap of seeing the world through just one lens. Perspective is valuable!
by Pinotage
Sun Sep 15, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9415

Re: Do You Tip At Counter Service Restaurants?

No, snow tires on FWD are still better than all season tires on AWD.
by Pinotage
Sat Sep 14, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30202

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Good for you OP!

I agree with other posters that it is eye opening how different tax liability can be.

$1,700 per year federal and state combined???? :sharebeer
by Pinotage
Thu Sep 12, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Bike head/rear lights
Replies: 31
Views: 1760

Re: Bike head/rear lights

A strobing bright front light is extremely annoying and possibly disorienting to oncoming pedestrians, bikers, and probably drivers as well. You mean that it makes the observer of a strobing bright light THINK and WATCH OUT! That's EXACTLY what I want to happen. Strobing front lights make it easier...
by Pinotage
Mon Sep 02, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11275

Re: Aliens have captured my husband [wants to buy a Porsche]

Only on this board is a 74-year old man wanting a Porsche a sign of cognitive decline. You can’t buy the Porsche at 21 because time is on your side and the opportunity cost of not investing is too steep. You can’t buy the Porsche at 30 because you need to save up 20% for your house. You can’t buy t...
by Pinotage
Mon Sep 02, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: New car delivery - what to check?
Replies: 22
Views: 1656

Re: New car delivery - what to check?

Kind of random, but my car still had shipping spacers in the front coil springs post delivery.

Might be worth a quick look in the wheel wells. Especially if you notice the suspension seems overly firm/harsh.
by Pinotage
Sun Aug 18, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11275

Re: Aliens have captured my husband [wants to buy a Porsche]

Only on this board is a 74-year old man wanting a Porsche a sign of cognitive decline. You can’t buy the Porsche at 21 because time is on your side and the opportunity cost of not investing is too steep. You can’t buy the Porsche at 30 because you need to save up 20% for your house. You can’t buy t...
by Pinotage
Sat Jul 27, 2019 7:41 pm
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4366

Re: Bootstrapping a company with retirement money

I very much appreciate your concerns and kind advice. Please see other details below (reworked, in large part, based on advice in this thread). No, I'm not debt free today (I'm paying off significant student loans). My current income is at ~ $80K level (two part-time jobs, producing about $50K net)...
by Pinotage
Sat Jul 27, 2019 8:03 am
Forum: Personal Investments
Topic: Bootstrapping a company with retirement money
Replies: 85
Views: 4366

Re: Bootstrapping a company with retirement money

You have clearly already made up your mind. Why bother wasting your highly valuable and volatile hours justifying your decision repeatedly and redundantly? If you’re in an urban area, there’s probably a coffee shop hosting an entrepreneurial meetup somewhere today. Prepare a pitch, draft a business...
by Pinotage
Sun Jul 07, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: car color
Replies: 41
Views: 4586

Re: car color

what color would you order from the factory to then repaint with golden glow pearl with clearcoat? Check out the factory color Satin Cashmere Metallic. It is a subtle gold/beige metallic color not that far off from the early 90s Acuras. example: https://www.magnussenlexusfremont.com/VehicleDetails/...
by Pinotage
Sat Jun 08, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Life Advises to your Your Kids / Yournger Self ?
Replies: 20
Views: 1449

Re: 2 Life Advises to your Your Kids / Yournger Self ?

"Use the Search Feature" :wink: https://www.bogleheads.org/forum/viewtopic.php?t=235581 https://www.bogleheads.org/forum/viewtopic.php?t=190885 https://www.bogleheads.org/forum/viewtopic.php?t=13897 https://www.bogleheads.org/forum/viewtopic.php?t=266203 https://www.bogleheads.org/forum/viewtopic.ph...
by Pinotage
Sun Jun 02, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4561

Re: Santa Fe real estate

SC Anteater wrote:
Sun Jun 02, 2019 11:37 am
I'm primarily interested in outdoor pursuits and it seems perfect for that.
As a recent several-time visitor to the area, agree with the above.

Really enjoyed the climate.
by Pinotage
Thu May 16, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1159
Views: 175909

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

In for 1,000.

Sell it. Move on with life. Be happy.

“Faced with the choice between changing one’s mind and proving that there is no need to do so, almost everyone gets busy on the proof. ~ John Kenneth Galbraith”
by Pinotage
Sun Apr 21, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: leaving state job / pension. ..... bad idea?
Replies: 44
Views: 3898

Re: leaving state job / pension. ..... bad idea?

Great feedback already. What I'd do: - Interview for other positions - find out what your options are. May be better/worse than you are thinking. - Make a financial plan - Get rid of debt Sounds like there is a lot to like about your current position. However I would seriously consider how long the ...
by Pinotage
Sun Mar 31, 2019 6:54 am
Forum: Personal Investments
Topic: Good idea to change the expected real returns in my model
Replies: 47
Views: 1969

Re: Good idea to change the expected real returns in my model

That depends. Why did you make the changes?

ETA: I think you got it right on Christmas

viewtopic.php?f=10&t=267526&p=4279574#p4279354
by Pinotage
Sat Mar 23, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Determining what to do with your life.
Replies: 18
Views: 1774

Re: Determining what to do with your life.

Wow, with your level of resources, maybe part of the problem is too many "options"? That can almost be harder than having no/few options. In the former case, those prone to over thinking can really get themselves wound up. In the latter case, you just do what you have to do. Suggest talking with you...
by Pinotage
Wed Feb 20, 2019 7:31 pm
Forum: Personal Consumer Issues
Topic: Why do many overlanders drive old model vehicles?
Replies: 32
Views: 4287

Re: Why do many overlanders drive old model vehicles?

What responses did you receive when you asked this question on those same blogs?

:D

But seriously, maybe it has to do with lower mechanical complexity with easier repairs in far flung places?
by Pinotage
Sat Jan 12, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: ROI calc on grocery expenses
Replies: 29
Views: 2038

Re: ROI calc on grocery expenses

It may last 20 years intact, but what happens when you open one of the pouches?
Costco wrote:Elbow Pasta: 180 Servings
Cheddar Cheese Sauce: 180 Servings
6, 30 serving zip-sealed pouches of Cheddar Sauce Mix
6, 30 serving zip-sealed pouches of Elbow Macaroni Pasta
by Pinotage
Tue Dec 25, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12344
Views: 2132109

Re: U.S. stocks in freefall

Agree with the numerous other posters that this is just a bump. A blip. A relative nothing. I say that based on: 1- Our specific frame of reference for market turbulence (invested through far bigger dips before) 2 - Our investing horizon (many decades to go) 3 - Our asset allocation (relatively con...
by Pinotage
Tue Dec 25, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: The effects of forum participation on plan execution
Replies: 18
Views: 1971

Re: The effects of forum participation on plan execution

Best wishes in executing your plans over the coming years, I hope they lead you to success and prosperity. Great message, and great to hear from you. I see a lot of myself and my thoughts in your remarks. Thank you so much for contributing to the discussion. Best wishes with your plans as well :sha...
by Pinotage
Tue Dec 25, 2018 10:46 am
Forum: Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 370
Views: 45009

Re: Anyone tired of the stock market going up?

Started selling in February of 2018, blew out all international in Spring of 2018, have had 0 sleepless nights due to the almost Bear Market we are in. Hey, it’s The TimeLord! Merry Christmas, dude. Hope you’ve been doing well and curious how your 2018 went. Did you keep working? Happy Holidays!
by Pinotage
Mon Dec 24, 2018 5:21 pm
Forum: Personal Investments
Topic: I believe I underestimated my risk tolerance
Replies: 35
Views: 4980

Re: I believe I underestimated my risk tolerance

It still amounts to $11k in a bond fund with 5% of my portfolio; not pocket change. My emergency fund is 6 months, plus most of the cost of a new HVAC and equals ~12% of my portfolio size. We are currently DINK and could survive on one income if a job was lost. Add in unemployment benefits if we lo...
by Pinotage
Mon Dec 24, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: Now is the time to REJOICE!
Replies: 102
Views: 12262

Re: Now is the time to REJOICE!

I admit, I'm starting to get annoyed at these types of posts. Here's the reality. At 45, my portfolio is down a few hundred grand as a result of the recent turmoil. My ratio was about 75/25 and I'm taking no actions. I didn't the last time either. We normally toss about 70k to 80k a year into the p...
by Pinotage
Sun Dec 23, 2018 5:59 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12713

Re: My Christmas Present To You

Taylor,

Thank you so much for your service. Look forward to this message each year.

Best wishes to you this Holiday Season, Merry Christmas!
by Pinotage
Sat Dec 22, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: 401k artificially inflating net worth?
Replies: 88
Views: 5096

Re: 401k artificially inflating net worth?

It is that simple. We are looking at a net worth snapshot taken at an instant in time, not analyzing anything beyond that. two guys with 1M net worth: a) first guy has 1M in taxable with NO gains (equivalent to 1M in cash) b) second guy has 1M in a 401k. At that very *INSTANT IN TIME* the first guy...
by Pinotage
Mon Dec 10, 2018 5:20 pm
Forum: Personal Investments
Topic: Great Personal Loss – Guidance and Financial Questions
Replies: 36
Views: 5435

Re: Great Personal Loss – Guidance and Financial Questions

No real advice to offer, but wanted to say so sorry for your loss. There are better days ahead.

Take things slow, take care of yourself, and honor the memory of your loved one by remaining open to joy and gratitude.
by Pinotage
Sat Dec 08, 2018 6:53 pm
Forum: Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 93
Views: 12704

Re: 20M Inheritance - What is best option for small/no risk on principal?

gvsucavie03 wrote: In the grand scheme of things, $20M is really not a lot.
Your scheme must be a lot grander than mine. Or that of anyone I know. Or anyone they know.
gvsucavie03 wrote: To a middle class individual it seems like a mint.
Oh, got it.
by Pinotage
Sat Dec 01, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Manager suddenly passed away - New manager ethical dilemma
Replies: 24
Views: 4890

Re: Manager suddenly passed away - New manager ethical dilemma

OP, condolences on the loss of your manager. I remember your post just a few months ago when you learned of the diagnosis. Sad and certainly relevant to all the conversations here about living for now/saving life for retirement. Moving forward, some things to think about: 1) Any time leadership chan...
by Pinotage
Sun Nov 25, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop and settle at one place?
Replies: 34
Views: 4607

Re: When to stop and settle at one place?

uberdoc wrote:
Sun Nov 25, 2018 7:15 pm
DW wholeheartedly supports the move and believes that I can achieve anything :) .
That means A LOT! Great for you and your family!
by Pinotage
Thu Nov 22, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4240

Re: Retire now or in the Spring. - changing work conditions

I had a plan to fill up my 401k in the spring of 2019 and retire. However, recent work changes involve me, beginning in mid December, covering the work areas of at least two people in areas that I have not worked in for decades. It will be high stress, low reward work. You may need to know a little...
by Pinotage
Thu Nov 22, 2018 9:05 am
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 60
Views: 6087

Re: What financial advice have you been most grateful for?

GuySmiley wrote:
Wed Nov 21, 2018 8:03 pm
Compound interest, aka start early :)
Yes! The most important advice I ever received was basically "just get started"
by Pinotage
Sun Nov 04, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Buy house without agent
Replies: 55
Views: 4866

Re: Buy house without agent

OP: Based on your previous post about being dissatisfied, I think it is a good idea for you to move forward without an agent. Anyways, we have an agent, but as usual, they seem useless except for opening the door. She points out stupid things such as "oh, I like the paint". Who cares. I'm thinking o...
by Pinotage
Sun Oct 21, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retire now or in the Spring. - changing work conditions
Replies: 36
Views: 4240

Re: Retire now or in the Spring. - changing work conditions

Does your employer have any idea that you plan to retire within the next several months? If they knew your timeline, do you think the change in work assignments would remain the same? I think I remember that you are a hospital pharmacist. I am guessing you are covering/cross training in other areas ...
by Pinotage
Sun Oct 21, 2018 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 4167

Re: Should we downgrade our house?

Agree with the other posters who have recommended renting for a year. This buys you time to make sure the job is a good fit and learn the areas you like to spend time in. I would *not* downgrade to an apartment (or house) in a sketchy area to save money. If you want to make the move successful it wi...
by Pinotage
Tue Oct 16, 2018 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11823

Re: What do you consider 'enough'?

OP is asking about The Number, they are asking about accumulation salary. True, but it is pretty tough to identify an accumulation salary without an idea of what you're accumulating towards. Ultimately the higher the accumulation target the higher the salary needed to get there. If the plan is to w...
by Pinotage
Tue Oct 16, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: What do you consider 'enough'?
Replies: 96
Views: 11823

Re: What do you consider 'enough'?

Enough is usually something like 1M more than I have right now, or maybe 50-100% more than I have.... something along those lines. What is enough to me today is not the same thing that I would have said when I was 10-15 years younger. As time moves along and your situation changes, this target cont...
by Pinotage
Tue Oct 09, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11973

Re: 1.5 liter wine

Love a good....Pinotage!

Unrelated, this thread has certainly aged well.
by Pinotage
Sat Sep 29, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 148
Views: 19727

Re: Should we stay in Crazytown because there's no where to run?

Maybe consider buying something expensive, but necessary*, with some of your gains or new contributions you aren't comfortable investing. Replacement vehicle, new roof/water heater/HVAC, pay off mortgage etc... Deferrable expenses that will eventually come due. So, if/when a downturn does hit, you a...
by Pinotage
Sat Sep 15, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 12281

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

Interesting thread, I have enjoyed reading the variety of responses. I experienced similar feelings within the past few years and decided to make a career change as a result. Mostly I feel good about the decision. I have different responsibilities now, make similar money, and am learning a lot of ne...