Search found 1195 matches

by ClevrChico
Fri Jul 20, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 49
Views: 5276

Re: I may have understood why it's so hard to save and invest

Compounding is an amazing thing. We occasionally receive spot bonuses at work for going above and beyond, which generally means some high stress grinding for a week or two. The spot bonus for all that is the same as two days of average investment gains for me. It's taken twenty years to get to that ...
by ClevrChico
Thu Jul 19, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 81
Views: 7950

Re: Salary vs. Lifestyle

It depends how you are wired. If you're extremely competitive and family time isn't a priority, go for it. It's risk/reward. I've seen some toil hard for years, make it to the second rung of the ladder, and then burn out. Hours and travel requirements can be brutal. The rewards can be big. If you're...
by ClevrChico
Sun Jul 15, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: Choosing a Used Car Model
Replies: 13
Views: 1306

Re: Choosing a Used Car Model

If you're buying a lightly used Honda or Toyota, you may be better off just buying new. The price difference is a "few thousand dollars". (Just went through this four days ago.)
by ClevrChico
Sat Jul 14, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: manual typewriters?
Replies: 43
Views: 2377

Re: manual typewriters?

The nicest "feel" on a manual typewriter, and the pleasantest (and least likely to hurt your fingers if you are really typing for a long time), are the full-sized 30? pound desk machines, but they may be unreasonably heavy and bulky. The ones I grew up with and typed on for decades looked like this...
by ClevrChico
Sat Jul 14, 2018 8:06 am
Forum: Personal Consumer Issues
Topic: Be Careful Using Mailboxes
Replies: 58
Views: 7269

Re: Be Careful Using Mailboxes

I mail anything outgoing at my megacorp employer. They have a great shipping department.
by ClevrChico
Sat Jul 14, 2018 7:55 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6514

Re: Dave Ramsey made me laugh today

No bonds seems dangerous for a lot of his audience, as I can see the same audience panic selling in a downturn. DR has been showing up on my Youtube feed recently for some reason. He's very entertaining, like most financial entertainers, but I wouldn't take his advice too seriously. (That's the acti...
by ClevrChico
Fri Jul 13, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3684

Re: Advice on IT Certification program

It could be a foot in the door, which is all one needs to get started. He'll need talent to take him beyond that. Once he gets an entry level job + experience, I'd suggest focusing on cloud training. There's an huge amount of online training available for that. That's what is in demand now. Network ...
by ClevrChico
Mon Jul 09, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 1944

Re: Dealing with recruiters

For the average person:

1) Find a job on your own that you love.
2) Ignore recruiters. That is one less commissioned sales person you have to interact with.
by ClevrChico
Sun Jul 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5362

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

You're getting hosed. An air filter and brake fluid needing service at 8k miles is hard to believe, unless you drive on country gravel roads daily. I'm at 60k miles of light urban driving, and I can easily double Honda's air filter schedule, and my brake fluid is still clean. You can verify yourself...
by ClevrChico
Sun Jul 08, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Used Honda - How to confirm it was serviced on time?
Replies: 18
Views: 1196

Re: Used Honda - How to confirm it was serviced on time?

As others have said, you can visually look at many things. However, I always ask for receipts and if they can't produce this is another factor in my decision making process and price negotiation. +1 to this. I've been told (lied to) they had receipts only for them to be unable to produce them. I ra...
by ClevrChico
Sun Jul 08, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5068

Re: Every Other Friday Off

I love three day weekends! I just use PTO to take a lot of them. :happy
by ClevrChico
Fri Jul 06, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4010

Re: Pitfalls of real estate investing

MoNa. (Mother nature.) Multiple real estate investment properties in my city recently received damage by a historical flash flood. This is in an area where you wouldn't think flooding would be an issue, so I'm guessing they're not insured. There are lots of semi trucks in the area with Service Maste...
by ClevrChico
Wed Jul 04, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5316

Re: How to tip

I also think tipping culture is out of control in the USA. I agree, and I love traveling abroad where I don't have to worry about it. That said, US culture is what it is, and there's not much I can do to change it. The one thing I will NOT do is punish the server for things outside his/her control ...
by ClevrChico
Wed Jul 04, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5316

Re: How to tip

Pre-tax.

I do tip well and probably too much sometimes, but I also think tipping culture is out of control in the USA. Tipping on tax doesn't make sense to me.
by ClevrChico
Sat Jun 30, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 957

Re: Bogleheads approach to hair loss?

I believe medical questions are off topic, so I'll say just say talk to your doctor during your next checkup. I saved my hair, no surgery required.
by ClevrChico
Sat Jun 30, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Water leak when it rains - older Camry
Replies: 25
Views: 1415

Re: Water leak when it rains - older Camry

+1 to those suspecting the sunroof drains. I'd first run weed trimmer line through the front drains to see if that helps. If not, remove the interior trim for the A pillars and inspect the tubes. On our VW, the tubes were glued from the factory and disconnected, so you can imagine the water leaking ...
by ClevrChico
Sat Jun 30, 2018 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10779

Re: Feel like I'm sinking money into international

That's the way maintaining an asset allocation works. You're "buying low" or "buying on the dips", which is not a bad thing.

It's been a lackluster year for a lot of us. Stay the course.
by ClevrChico
Fri Jun 29, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: Best insurer? Allstate vs chubb vs AAA or others
Replies: 42
Views: 3249

Re: Best insurer? Allstate vs chubb vs AAA or others

I'm a happy Amica customer. Auto premiums actually went down this year. (No changes on my side.)

My experience is that independent agents tend to give one cookie cutter coverage, which may not be optimal for a boglehead's situation.
by ClevrChico
Wed Jun 27, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10360

Re: Lost out on promotion

Promotions normally take several years, so don't beat yourself up over it.

If you want to feel better, focus on a work life balance, and grow your investments. Do it long enough, and investment returns will dwarf promotions.
by ClevrChico
Wed Jun 27, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5128

Re: car for long-distance driving

I have a second generation Honda Fit, and that class of car is simply not going to be great for long trips. Although, it would be doable. Something like a Lexus would be at the top of my list, or possibly a Toyota Avalon to save money. I leave the Honda at home and rent a Grand Caravan for long trip...
by ClevrChico
Fri Jun 22, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Surprise - Costco sells - but does not install vehicle batteries
Replies: 85
Views: 5686

Re: Surprise - Costco sells - but does not install vehicle batteries

I'm not surprised. One of our cars is German, and to the unfamiliar, changing the battery without a service manual would not go well. One surprise is that that power steering reservoir is clipped to the battery case. (And that's just for starters. :-) )
by ClevrChico
Fri Jun 22, 2018 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 173
Views: 20673

Re: Can you retire on $2M?

I've done the math in a LCOL area and it works out. I've considered a swr of 3.5% for early retirement, based on this:

https://www.madfientist.com/safe-withdrawal-rate/

I am waiting until I'm a bit older and watching what happens with health care before making any moves.
by ClevrChico
Thu Jun 21, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 345
Views: 32339

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

I'm in the operations/systems side of tech. Would recommend it if one has a love for the field. It's taken me from a working class teenager to an adult with an upper-middle class income. My dad and I spent a small fortune on computers back in the 90's, and I worked my way through college. (Remember ...
by ClevrChico
Tue Jun 19, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8446

Re: gray hair

Gray doesn't bother me. But losing it, yeah, I do treat that. That's my own personal war on aging. :twisted:
by ClevrChico
Sun Jun 17, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 15
Views: 1806

Re: "Money Talk" Radio Program with Bob Brinker

Money Talk helped me find Vanguard ages ago, so that was good. And I managed to avoid the "market timer" baloney that was pushed back then.

Modern radio is ridiculous about commercials, so I leave the station on commercial-free NPR. NPR covers economic issues very well.
by ClevrChico
Sun Jun 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8392

Re: Which Supermarket are you?

Primarily Aldi, supplemented by Asian grocers, and the pricey regional chain for convenience. Interestingly, Tobacco Outlet Plus Grocery offers super cheap groceries at a convenience store. As in $1.99/gallon milk and other prices competitive or cheaper than anywhere else. It's hard to wrap my head ...
by ClevrChico
Sat Jun 16, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 29
Views: 2511

Re: Vanguard Managed Payout Fund

The "auto-pilot" features of this fund are nice. It's one less thing I have to worry about or discuss helping older family manage their money.
by ClevrChico
Mon Jun 11, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3418

Re: How to convince my co-worker to invest more?

I wouldn't say a thing. Over the years, I've tried to alert coworkers to benefit or law changes with a heads up, only followed by the sound of crickets. The only response I ever received was when I discovered the company messed up our state withholding. I was asked how I found the problem by one cow...
by ClevrChico
Mon Jun 11, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 37601

Re: Bogleheads, tell me about your 40's?

I'm recently 40 and started it with pivoting my field of work. (Same megacorp.) The writing was on the wall that automation would replace my old field eventually, so I'm now working on the automation tech. I'm confident the new role will carry me into FIRE, if I pull the trigger this decade, which i...
by ClevrChico
Sun Jun 10, 2018 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3813

Re: Bogleheads' College Philosophy question

I agree that zero to limited borrowing is best, although not always possible. Keeping costs down is important, whether it's choosing the best scholarship package, starting at a community college, or having an employer pay. If you have to borrow, direct subsidized loans are best. I'd guess most big s...
by ClevrChico
Sat Jun 09, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 3596

Re: How much to spend on daycare?

LCOL area here in a mid-sized urban area, and we chose the solid, well-regarded middle of the road, non-profit facility based daycare @ $10k/year. It is also five minutes from work. A good location will make your life much easier. I'd estimate home daycare would probably be 1/3 less cost. On the hig...
by ClevrChico
Sat Jun 09, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: $1M Question
Replies: 38
Views: 4928

Re: $1M Question

Discover a large amount of oil on your farm and sell rights to an oil company.
by ClevrChico
Tue Jun 05, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Pending Layoff / Can I retire?
Replies: 31
Views: 4568

Re: Pending Layoff / Can I retire?

I think you have enough :moneybag to do pretty much whatever you want. You could always move to a really great LCOL area, and live like kings for $4k/month (or less). The public schools would be good too.
by ClevrChico
Sun Jun 03, 2018 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 8212

Re: Career Move: Please convince me why I should not work in tech

1) You may or may not be treated well. Stack ranking used to be popular in tech, maybe less so now. Toxic workplaces are a thing. Goals and performance ranking methods may border on ridiculous. On the other hand, you can just ignore most of it and focus on your nice paycheck, and probably be happy. ...
by ClevrChico
Sat Jun 02, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Why have a savings account at all?
Replies: 153
Views: 10745

Re: Why have a savings account at all?

Have not had a savings account in years. I keep two months expenses in a checking account. Anything else goes into a taxable account.

My opinion is that people keep too much money in savings accounts, losing money to inflation.
by ClevrChico
Sat Jun 02, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: What do you guys do on the side?
Replies: 299
Views: 30092

Re: The Side Hustle

I help an older neighbor with handyman/grounds work. He's a super cool gentleman, and I'd do it for free. He sends a lot of restaurant gift cards my way, cases of beer, treats, etc. So that's my side hustle. :-)

Otherwise, megacorp and dad life take all my time.
by ClevrChico
Thu May 31, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Have $3m at 33, "approach to career" advice needed
Replies: 99
Views: 12720

Re: Have $3m at 33, "approach to career" advice needed

Do you have family near your current home? If not, there are a ton of great LCOL places to live. With $3m and kids, I wouldn't be too eager to jump into corporate life. You could find employment doing something fun, get involved with community organizations, etc.
by ClevrChico
Thu May 31, 2018 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Bored and Anxiety from Work - What to do?
Replies: 13
Views: 2808

Re: Bored and Anxiety from Work - What to do?

The elementary teacher's at my kid's school are always engaged. I tagged along as a parent on a field trip recently, and it was so much fun. I can't imagine that being a boring job. Steve Wozniak did teaching after Apple.
by ClevrChico
Thu May 31, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17961

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

A local community college advertises what amounts to a 50% scholarship for a STEM related degree if one maintains a 3.0 GPA. A student with a B average could get a STEM related associates degree for ~$10k out of pocket in this scenario. (And a good job.) This seems like the best deal I've seen for a...
by ClevrChico
Thu May 24, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10858

Re: Career planning in IT/software development when over 40

The simple answer is to stay current with technology. It's not easy. Twenty years goes by in a blink of eye, and you will wake up one day and see the world has changed. Tech changes are brutal because it's disruptive, not gradual. It's a rat race, for sure. Keep learning and plan for early retireme...
by ClevrChico
Wed May 23, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 10858

Re: Career planning in IT/software development when over 40

The simple answer is to stay current with technology. It's not easy. Twenty years goes by in a blink of eye, and you will wake up one day and see the world has changed. Tech changes are brutal because it's disruptive, not gradual. At 40+ most people are very busy with their families, and it's hard t...
by ClevrChico
Sat May 19, 2018 8:28 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 6315

Re: What’s your phone/internet bill?

$0. (Company provided for on-call work.) The door to door sales people have a tough time of getting me to switch.
by ClevrChico
Wed May 16, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Brake work estimate
Replies: 45
Views: 3084

Re: Brake work estimate

Most mechanics would not be in business without parts markup. That's legit.

Congrats on getting the price down by keeping the rotors. :-)
by ClevrChico
Wed May 16, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: I will be laid off but can not get unemployment benefits?
Replies: 26
Views: 4018

Re: I will be laid off but can not get unemployment benefits?

If those really are the rules, I'd just take a break from the reselling biz. Although, those rules seem awfully strict. If you're a small fish, you're basically having an online garage sale. I can't see that interfering with a job search.
by ClevrChico
Mon May 14, 2018 10:49 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 8728

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily. Why can’t a muscle car be fully depreciated and paid off? Besides, I’ve been driving quick cars (to various degree...
by ClevrChico
Mon May 14, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 8728

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily. Why can’t a muscle car be fully depreciated and paid off? Besides, I’ve been driving quick cars (to various degree...
by ClevrChico
Mon May 14, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 8728

Re: Is there a boglehead muscle car?

A boglehead would rent their muscle car on Turo for a weekend (using tax-free dividends from VWIUX), get it out of their system, and go back to their fully depreciated, paid off daily.
by ClevrChico
Thu May 10, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3431

Re: IRS tax form [Rejected as photocopy, signature must be in blue ink]

This reminds me of applying for a passport which requires black ink. All the pens chained down at the passport desk had blue ink. :oops:
by ClevrChico
Wed May 09, 2018 10:17 pm
Forum: Personal Consumer Issues
Topic: Most economical way to move vehicles State->State
Replies: 17
Views: 989

Re: Most economical way to move vehicles State->State

Moving is stressful enough, and I would do anything to make it easier regardless of cost. If a company is paying you relo, I wouldn't try to profit on it by making my life painful.

I'd sell them since it sounds like you don't have parking at the new place for a while.
by ClevrChico
Wed May 09, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2242

Re: Vehicle Tires and Dry Rot

It's a real thing, and it should be obvious in the tread area or sidewalls. When I didn't have much money, I drove on severely cracked tires and somehow survived. I would not let my kids do this.