Search found 261 matches

by slayed
Wed Aug 22, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5260

Re: Test your cognitive biases

same here, got the "This is the highest score one can receive on this test."

i thought the questions were overly simplistic tbh.
by slayed
Tue Aug 21, 2018 2:42 am
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 11890

Re: Is a million really the benchmark for retirement

It is hard to have this discussion unless someone defines what a successful retirement means to them. For me, a retirement where I am just "not homeless", or where I have to shop for my clothes at Wal-Mart, or where I can't afford to travel unless I stay at a cheap motel, would not be a success. You...
by slayed
Fri Aug 17, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Reckless driving ticket in VA-Help!
Replies: 124
Views: 7581

Re: Reckless driving ticket in VA-Help!

I had a similar ticket in 1999 in Va (89 in a 65 or something like that). Ignored it for a few years. Ended up just paying a fine online and that was it. It was 2003 when I had to settle the ticket because I was applying for my license in MA.
by slayed
Fri Aug 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 5532

Re: physics/math major looking for programmer/analyst job?

What has he been doing for the past year?
by slayed
Wed Aug 15, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?
Replies: 14
Views: 877

Re: Odd situation.. How much down payment? 15/30 year loan? Should I sell taxable investments for the down payment?

This is a good opportunity to teach your parents a lesson. Take their $100k gift and buy the home and then sell it and pocket most of that $100k. Then keep renting. :sharebeer
by slayed
Wed Aug 15, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Brokerage checking: Fidelity, Schwab, or Vanguard
Replies: 36
Views: 3380

Re: Brokerage checking: Fidelity, Schwab, or Vanguard

I have been using the Fidelity CMA for a few years now. Very happy with it. Has all of the usual perks without any minimum balance requirement (free checks, ATM fee rebate, free bill pay, etc).
by slayed
Mon Aug 13, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7533

Re: Housing affordability - what is your take?

Prices are high because people are willing to spend a huge (and in my opinion unwise) percentage of their income on housing. Your choice is to either compete with them (and make the same poor decision) or move elsewhere.
by slayed
Fri Aug 10, 2018 9:45 am
Forum: Investing - Theory, News & General
Topic: Turkey/Turkish Stocks down 32% - approaching 2008 levels
Replies: 96
Views: 10224

Re: Turkey/Turkish Stocks down 32% - approaching 2008 levels

Demographic trends in Turkey do not look good, I would stay away.
by slayed
Wed Aug 08, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: If it were March, 2000, would you still allocate 50% to Stocks?
Replies: 94
Views: 4668

Re: If it were March, 2000, would you still allocate 50% to Stocks?

CraigTester wrote:
Wed Aug 08, 2018 8:09 am

And by obvious extension, if you're currently sitting on enormous gains in your SP500 index fund, why not take profits?
Taxes.
by slayed
Tue Aug 07, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Grind and Brew Coffee Makers - worth it?
Replies: 30
Views: 2383

Re: Grind and Brew Coffee Makers - worth it?

was considering the Miele CM6350 (it's the countertop version). anyone have a Miele and love it or hate it?
by slayed
Mon Aug 06, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Coldness Pismo beach water
Replies: 24
Views: 1764

Re: if foggy go to Avila Beach

FB01 wrote:
Mon Aug 06, 2018 1:20 pm
Socrates28 wrote:
Mon Aug 06, 2018 1:13 pm
lot nicer weather and nicer beach.....about 10 minutes North
like which one? Can you give the names?
probably talking about Morro Bay. water is cold there too though.
by slayed
Wed Aug 01, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: DW job in dangerous area
Replies: 90
Views: 7047

Re: DW job in dangerous area

I would not take a job like that unless I was incredibly desperate. You make 200k, so no, I would not take it.
by slayed
Sun Jul 08, 2018 4:31 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6034

Re: Girls and investing

Poppy1234 wrote:
Sun Jul 08, 2018 1:38 pm
What does gender have to do with anything? Why isn’t the post titled “KIDS and investing”? I don’t even know what to say.
Girls and boys tend to learn and develop differently, especially at young ages.
by slayed
Thu Jun 28, 2018 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3680

Re: What is your debt interest rate threshold?

I would not be in a hurry to pay off any debt with an interest rate that is less than the rate of inflation. Currently that is around 2.1%.
by slayed
Mon Jun 25, 2018 2:49 am
Forum: Personal Consumer Issues
Topic: Complain or Negative Review for Rip-off Plumber?
Replies: 29
Views: 3128

Re: Complain or Negative Review for Rip-off Plumber?

Did you use Yelp to find this plumber in the first place? I stopped using Yelp when I realized the extent to which reviews are manipulated.
by slayed
Wed Jun 13, 2018 4:12 am
Forum: Investing - Theory, News & General
Topic: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed
Replies: 27
Views: 2663

Re: 1 Year Rule - Not allowed to execute new investment strategy until 1 year has passed

It's said one of the worse things investors can do is constantly tinker with their investment strategy. It's hard to do when you keep reading about value tilts, emerging markets, REITs, US vs International, tax efficiency, etc. I would argue it is even worse to stick with an investment strategy tha...
by slayed
Tue Jun 12, 2018 5:06 am
Forum: Investing - Help with Personal Investments
Topic: MD&P just purchased X / sold Y [md&pharmacist]
Replies: 198
Views: 13079

Re: MD&P just purchased X / sold Y [md&pharmacist]

Is this trading happening in a taxable account? If so then where are the taxes due coming from when you realize a gain?
by slayed
Sun Jun 03, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 4211

Re: Can a physician work in tech while practicing as well?

jayk238 wrote:
Sun Jun 03, 2018 8:56 am
Maybe get a masters in engineering EE while working and focus on machine learning and big data for the hospital system. I plan to get a math degree too-
What value do you place on the degree(s)? Because you don't need to go to school to learn any of the above.
by slayed
Wed May 30, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: My mind exploded
Replies: 79
Views: 5096

Re: My mind exploded

My 2 cents:

Don't let her know you snooped on her, it does nobody any good for her to know.
Stop snooping.
by slayed
Sun May 20, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device [updated]
Replies: 56
Views: 3658

Re: Wifi + wired device

The only mention of the port in the manual is for setting up a separate network. The spec sheet just refers to it as a Gigabit ethernet port. Does it seem likely that it would serve the purpose? Yes it is listed as wired to wireless adapter. It is probably also there as a setup option if you cant u...
by slayed
Sat May 19, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6693

Re: What’s your phone/internet bill?

phone $35/mo (Cricket)
internet $40/mo for 150up/150down (Frontier)
by slayed
Thu May 03, 2018 11:50 pm
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 19187

Re: Ed. Jones rep didn't like our plan, now we're locked out

I’ve been reading Bogleheads for a few months (hands down best discovery I ever made) and have encouraged my parents to transfer their four stocks to Charles Schwab to sell and then invest the proceeds in Vanguard Funds through Schwab. You should consider just buying the Schwab index funds if you a...
by slayed
Mon Apr 23, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Experience with wood countertops for kitchen / wet bar ?
Replies: 9
Views: 914

Re: Experience with wood countertops for kitchen / wet bar ?

I would consider concrete as well... many, many options for finishes, epoxy, etc. You can even have a concrete countertop that looks like wood if you want.
by slayed
Mon Apr 23, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home with water damage
Replies: 21
Views: 1970

Re: Buying a home with water damage

Walk away, don't even waste money on getting it inspected.
by slayed
Mon Apr 23, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Building a New Home (Talk me out of it!)
Replies: 61
Views: 5096

Re: Building a New Home (Talk me out of it!)

It usually doesn't make sense to overbuild for the neighborhood, you won't get a good return on the money you put into it.
by slayed
Thu Apr 19, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 38
Views: 3889

Re: Bill Bonner: what's your take?

TreadLightly wrote:
Thu Apr 19, 2018 12:32 am

we've got no problem throwing money into equities when we hit a downturn, but with BB swearing it's coming, it's hard to buy in without a clear dip.
we just had a dip in February and again in March (worst week in 2 years for US stocks), did you buy then? why not?
by slayed
Fri Apr 13, 2018 1:29 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2009

Re: Buy I-Bonds before May 1 or After?

If fixed rate goes up i'll buy at end of May, otherwise i'll wait until end of the year.
by slayed
Thu Apr 12, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Wanting to leave Fidelity
Replies: 97
Views: 11820

Re: Wanting to leave Fidelity

if you are not happy at Fidelity you probably won't be happy anywhere.
by slayed
Wed Mar 28, 2018 3:27 am
Forum: Personal Finance (Not Investing)
Topic: Los Angeles Condo Purchase Advice
Replies: 53
Views: 4219

Re: Los Angeles Condo Purchase Advice

If you don't buy now, will the downpayment gift be available to you in the future when you do buy? If not, then I would buy, to not lose the "free" 235k you are getting from her parents.
by slayed
Sat Mar 17, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 140
Views: 16725

Re: 2018 Forester vs CRV vs RAV4

I went through this same process in 2016 when shopping for my SUV. Went with the Mazda CX-5 Grand Touring with the Tech and safety packages, been very happy with it. I would at least test drive it before you pull the trigger on your purchase.
by slayed
Fri Mar 16, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Should I join Mensa?
Replies: 39
Views: 2641

Re: Should I join Mensa?

I don't think it is exclusive enough to mean much as far as bragging rights go.
by slayed
Sun Mar 11, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 66
Views: 6088

Re: Men's Cologne

No such thing as a masculine cologne IMO
by slayed
Wed Feb 28, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16370

Re: How much cash do you keep at any time on checking?

$5k - $15k. When my account hits $15k I transfer $10k of it to Vanguard or TreasuryDirect and let it build back up again.
by slayed
Sat Feb 17, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 9073

Re: Effect of spending money on appearance in career

Men are judged on their appearance as well, this isn't something that just faces women. How you present yourself to the world matters.
by slayed
Fri Feb 16, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3541

Re: Good brands for Kitchenware?

One other thing I would mention is to avoid the store brands when it comes to cook ware (SurLaTable, WilliamsSonoma, etc) as well as the gimmick lines named after a celebrity chef (Martha Stewart Living, Wolfgang Puck, etc). These are all knock off products that get out sourced and are not good enou...
by slayed
Fri Feb 16, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3541

Re: Good brands for Kitchenware?

All-Clad stainless is kind of the standard in stainless steel cookware and is made in the USA. A lot of the other brands have All Clad knockoff products that they manufacture in China (LeCreuset, Cuisinart, etc). One downside of All-Clad though is that a lot of people do not like the handles. Anothe...
by slayed
Thu Feb 15, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Dental chews for dogs....useful?
Replies: 36
Views: 2493

Re: Dental chews for dogs....useful?

Dilbydog wrote:
Thu Feb 15, 2018 12:19 am
Remember, canines in the wild will gnaw and consume raw bones.
They also have very short lifespans in the wild. They usually die long before tooth decay would be an issue.
by slayed
Tue Feb 13, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 7437

Re: Should I claim chapter 7 bankruptcy? debt 110k

hookemhorns wrote:
Tue Feb 13, 2018 6:42 pm
How did you manage to get a margin account with such a risk allowance? Fibbing on the initial brokerage application about your income and assets?
This. If you lied on your application in order to get the margin account that would be fraud and you might be in some legal trouble.
by slayed
Wed Jan 31, 2018 1:53 am
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8514

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

I don't get it, why didn't you just tell your advisor you wanted someone else? Stop being so agreeable and just do it.
by slayed
Wed Jan 24, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10313

Re: Working in the real world

Maybe little off topic, but last year I read "Coming Apart" - excellent and highly recommended book by Charles Murray. It was eye-opening! Might as well give the full title if you are going to so wholeheartedly recommend that particular book and author. Coming Apart: The State of White America, 196...
by slayed
Tue Jan 23, 2018 6:57 pm
Forum: Personal Finance (Not Investing)
Topic: Working in the real world
Replies: 118
Views: 10313

Re: Working in the real world

tech workers that work 250k/year (and married to tech workers who make the same), and other absurd amounts. While here and there they might be accurate, I think there are too many high claims for them to all be actual income. That is not at all unusual for software jobs in HCOL areas. I grossed $23...
by slayed
Wed Jan 10, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 6311

Re: Early Retirement Incentive Plan is generating paranoia in a co-worker

I also believe that Megacorp really wants those of us with habits that are not congruent with Agile Software development to leave. Early retirement package is a way of clearing the way for newer and "better" models who will take to Agile development with enthusiasm. As a fellow developer I am curio...
by slayed
Mon Jan 08, 2018 4:04 pm
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 13305

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

I don't care for the question-less posts and would prefer that they be in a separate sub forum.
by slayed
Wed Dec 06, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 6637

Re: I received a speeding ticket via mail from IA - should I pay it?

Unfortunately most states share speeding ticket information with each other and Iowa is one of those states. You can search "Driver License Compact" and see the full list. You will end up having to pay the ticket when you go to renew your license in your home state.
by slayed
Tue Dec 05, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Fisher Investments
Replies: 16
Views: 3188

Re: Fisher Investments

I’m actually surprised that his ads are effective. I have a negative visceral reaction to him for some reason and always have to change the channel or turn off the TV when he appears, the same way I respond to pharmaceutical ads. I have the same reaction of disgust though I have never been able to ...
by slayed
Tue Nov 28, 2017 8:45 pm
Forum: Personal Consumer Issues
Topic: Considering Building Gaming PC - Good Builds/Price Points?
Replies: 34
Views: 3075

Re: Considering Building Gaming PC - Good Builds/Price Points?

I would just spend $300 and pick up a Playstation 4, unless there are specific games that you want to play that are not available on console. Otherwise a PC just for gaming doesn't make much sense.
by slayed
Sun Nov 19, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 18954

Re: Dave Ramsey says don't use credit cards, even if you pay them off

Dave Ramsey doesn't strike me as particularly intelligent so I tend to ignore his advice.
by slayed
Sun Nov 12, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 9665

Re: $23k credit card emergency

0% balance transfers are great, but you can do something else -> call all the creditors one by one and be as polite and courteous as possible while you ask the customer service person if there is anyway possible that they can lower your interest rate. 6yrs ago, I could have made almost the same pos...