Search found 581 matches

by TheOscarGuy
Mon Nov 12, 2018 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Expected nominal return in 80/20 stock/bond fund for next 10 years
Replies: 4
Views: 536

Re: Expected nominal return in 80/20 stock/bond fund for next 10 years

Hello, What is the Expected nominal return in 80/20 stock/bond fund for next 10 years. Why 10 years, is that when you retire, have some other financial goal to reach? Most experts have been predicting low returns for the next decade. Maybe increase your savings rate, if you have a 10 year horizon w...
by TheOscarGuy
Mon Nov 12, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2059

Re: Still spending too much on non-essentials

I just tallied up my non-essential purchases between Jan 1 and today and the amount horrified me. I spent $1,010 on Ebay, $180 on Amazon, $51 on Overstock.com, and another $100 on a painting I paid in cash. That's nearly $100 a month on non-essential spending. This is a bummer because I thought I h...
by TheOscarGuy
Fri Nov 09, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3208

Re: aerobic exercise: rower vs. treadmill and elliptical

Last year about this time I posted about wanting a rower in addition to my treadmill and elliptical. Advice was to get the Concept 2, but at that time it was out of my budget. Now, that rower is in my budget but in the mean time my home gym now has a bench as well, so there is no room left for a 4t...
by TheOscarGuy
Wed Nov 07, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7302

Re: Never thought of living in Bay Area but just got a call from Tesla

But the job isn’t just about the pay NOW. It also will affect FUTURE earning potential most likely. Is it guaranteed? Does everyone who goes to Silicon valley make mega bucks? I am sorry but for someone who owns a house and has a very nice commute, unless they are offering upfront money now (or pro...
by TheOscarGuy
Tue Nov 06, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7302

Re: Never thought of living in Bay Area but just got a call from Tesla

I've always been a LCOL lover for my entire life. Make a decent salary. Have a house way bigger than I ever need with a PITI that is 30% of my take home pay. No state income tax. 5 mile commute to work. Usually home by 5:40 each night. Always thought I would stay this way. But I just got contacted ...
by TheOscarGuy
Tue Nov 06, 2018 7:16 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 6924

Re: Paul Merriman 2 Funds for Life

Just curious if anyone caught Paul Merriman's latest Podcast. I always find him interesting. He came out with a 2 Fund portfolio. https://paulmerriman.com/2-funds-for-life/ Basically it's 1.5 X your age in a TDF, and the remaining in SCV. Without opening this thread I could tell a major portion wou...
by TheOscarGuy
Mon Nov 05, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Lock mortgage rate at 5%?
Replies: 34
Views: 3680

Re: Lock mortgage rate at 5%?

My wife and I are set to close on our first house in a little over a month. Our lender is offering us the best rate he can offer. Up until last week, the rate was 4.875%. We hadn't locked the rate yet, and it's now moved to 5%. We can lock at 5% now for no charge based upon timing of closing, but w...
by TheOscarGuy
Mon Nov 05, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Allocation - Small; Value Tilt
Replies: 3
Views: 357

Re: Utah 529 Allocation - Small; Value Tilt

I agree with the above post: I think it is too short a time for small value tilt. For the record, I don't own it, but if I did, it would not be in a 529.
by TheOscarGuy
Sun Nov 04, 2018 11:21 am
Forum: Personal Consumer Issues
Topic: Post FiRE job...teaching??
Replies: 33
Views: 3878

Re: Post FiRE job...teaching??

Would love to plan my post FIRE job. Been thinking about a teaching job at a local community college. But...thats as far as ive gone. Any advice on next steps? I have a bachelors degree and an Engineering/IT background. In management now. Project management i guess is my sweet spot. My major was in...
by TheOscarGuy
Fri Nov 02, 2018 5:45 pm
Forum: Personal Consumer Issues
Topic: Tick Prevention for Dogs
Replies: 10
Views: 656

Re: Tick Prevention for Dogs

Lately I've been taking my beloved Standard Poodle for a 30 minute daily walk in the woods. It's the only place I can let him off leash (outside of our fenced in yard) where he runs to his heart's delight. It's the highlight of his day! Sadly here in Mass, the ticks are still out in force. We're pu...
by TheOscarGuy
Fri Nov 02, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3969

Re: Thoughts on the New Macbook Air?

I've been holding off on replacing my 2010 (that's not a typo) Macbook Pro for a lonnnnng time. Just couldn't pull the trigger on a new computer. But, I'm tempted by the new Macbook Air. My only hesitation (at this point) is the microprocessor. According to trustedreviews.com: A dual-core 8th gen I...
by TheOscarGuy
Fri Nov 02, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3969

Re: Thoughts on the New Macbook Air?

It's nice they've scrapped the atrocious touch bar (as a Vim user, the touch escape key is infuriating and I have no desire to retrain my hands) but as long as they stick to the butterfly keyboard with nanometer-thick keys, I'm never buying another Apple laptop. Nope that is incorrect. Its still th...
by TheOscarGuy
Fri Nov 02, 2018 5:11 am
Forum: Personal Finance (Not Investing)
Topic: How am I doing thus far and what can I do to reduce taxes?
Replies: 35
Views: 3280

Re: How am I doing thus far and what can I do to reduce taxes?

Long time reader but first time poster. Thank you Jack for your service popularizing low cost index funds!! - 37 yo, single - about $225K income - save (with company match) anywhere between $100K to $120K most of it pretax (55K in 401k + 18500×2 in 403b/457, the rest in after tax) - $640K in index ...
by TheOscarGuy
Thu Nov 01, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Is an MBA worth it these days?
Replies: 53
Views: 6257

Re: Is an MBA worth it these days?

Minderbinder wrote:
Wed Oct 31, 2018 4:06 pm
Personally I think a CFA is a way better ROI if you can pass all 3 levels.
Do you know that you can not be a charterholder unless you also have 4 years of experience in investment decision making process? How would OP do that if he isn't in finance in the first place?
by TheOscarGuy
Thu Nov 01, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Discount Tire Credit Card - Worth Doing or Overall Foolish?
Replies: 47
Views: 2909

Re: Discount Tire Credit Card - Worth Doing or Overall Foolish?

I am going to be in the market for two new sets of tires, and I generally end up going with Discount Tire as they have good service and match whatever deals I can drum up elsewhere I believe that this Thanksgiving they will be having a deal with multiple rebates. In addition to a regular mail in re...
by TheOscarGuy
Thu Nov 01, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 41
Views: 4302

Re: 2019 Subaru Outback 2.5 vs 3.6

The absolute sweet spot in automotive engineering these days is a 2.0 liter four cylinder turbo with direct injection matted to an eight to ten speed automatic transmission. Good power (most are in the 240-280 HP range), great torque starting at very low RPM, good acceleration, and north of 30 MPG ...
by TheOscarGuy
Wed Oct 31, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 10895

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

It would always make more sense to live in a HCOL area if your salary is also higher, because you can always move to a LCOL area in retirement, you cant always move to a higher paying job from a LCOL area. Its not necessarily true. Someone who is frugal, saving 70% of their salary could be a decami...
by TheOscarGuy
Wed Oct 31, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4729

Re: Calculating ROI for PhD

willthrill81 wrote:
Wed Oct 31, 2018 10:42 am
a couple of times. Maybe I'm just the kind of person that can accomplish a lot in a fairly brief period of time.
Good for you! :beer
by TheOscarGuy
Wed Oct 31, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 10895

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

It would always make more sense to live in a HCOL area if your salary is also higher, because you can always move to a LCOL area in retirement, you cant always move to a higher paying job from a LCOL area. Its not necessarily true. Someone who is frugal, saving 70% of their salary could be a decami...
by TheOscarGuy
Wed Oct 31, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4729

Re: Calculating ROI for PhD

Don't get a PhD for the ROI. Do it so you can study what you want and never have a boss. And summers, Thanksgiving, Christmas, and spring break off. And great benefits. And guaranteed employment. :D Check, check, check, check, check, and check. Don't forget Sabbaticals (check). :sharebeer I have to...
by TheOscarGuy
Wed Oct 31, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?
Replies: 180
Views: 10895

Re: Is it more advantageous to live in HCOL or LCOL area in terms of financial independence?

Hello, From a financial standpoint, or achieving financial independence, is it better to live in a HCOL or LCOL area? A relative just moved to Nashville area after spending his whole career in Southern California, and now it seems he can retire so comfortably in the lower cost of living area that N...
by TheOscarGuy
Wed Oct 31, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 28
Views: 1679

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

I was on my local Jeep dealers website this morning, and an offer popped up for a free $50 visa prepaid card just for showing up and taking a test drive with one of their new Ram trucks. Is it worth the hassle of working with the dealership salesmen to get the $50? Do you think its possible to be i...
by TheOscarGuy
Tue Oct 30, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6756

Re: 401k down 8% this month

Not panicking and i realize it's been a "tough" month, just making sure others are seeing similar drops? :) 80/20 stocks/bonds Mix Lg/med/sm + Int'l index funds (4 funds) Total bond index fund Don't know. When stock market goes down I stop looking at my 401K. Good thing I am not starting my withdra...
by TheOscarGuy
Tue Oct 30, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Calculating ROI for PhD
Replies: 86
Views: 4729

Re: Calculating ROI for PhD

I'm weighing the ROI of a PhD in human factors and systems engineering, and I have two main questions for this forum: 1. What are the ways to calculate ROI for graduate school? I've seen threads on this forum suggesting you can calculate a multiplier for school, but they don't seem to account for y...
by TheOscarGuy
Mon Oct 29, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4815

Re: Should I co-sign for relative?

A close relative of mine has asked me to co-sign for them, lets assume defaulting was not a big risk but the necessity for a co-signer is due to unestablished credit. Would you co-sign this? The co-sign is for a vehicle lease of about $900/month We did it once. We have repented it. A similar situat...
by TheOscarGuy
Mon Oct 29, 2018 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Shopping strategy?
Replies: 9
Views: 782

Re: Shopping strategy?

Over the years I've watched by wife adopt a quirky shopping strategy that seems to work pretty well. (...say for household items, furniture, and higher priced clothes) She does it in a hybrid fashion, combining brick-and-mortar, online and phone. Let's say she wants to buy a pair of shoes she found...
by TheOscarGuy
Mon Oct 29, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Becoming frugal
Replies: 70
Views: 9465

Re: Becoming frugal

Try to make sure you utilize your healthcare as fully (and with the lowest cost) as possible. Can you, for example, do anything (I can) by email, smart phone or telephone appointments? Do you really need to see a higher cost specialist when your PCP is just as good? Keep your own records of tests, ...
by TheOscarGuy
Mon Oct 29, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6338

Re: Getting depressed with all this saving. :-(

So - to get a handle on myself, I decided to go ahead and put pretty much all Taxable cash into CDs, some 10K in bonds, 35 in VTSAX.The rest 200K in MSFT and 100K in AAPL stock just has a lot of long term gains. And now I'm depressed. New speakers beckon. (My HiFi is around 100K, but I need to upgr...
by TheOscarGuy
Sat Oct 27, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Mapfre Insurance - Boston Area
Replies: 16
Views: 735

Re: Mapfre Insurance - Boston Area

I shopped around to see if I could save some money on my car insurance and home insurance. An independent agent gave me a quote with Mapfre Insurance that will save me $431/year, my wife $409/year on her insurance and save us $295/ year on home insurance. Does anyone currently have, or have had Map...
by TheOscarGuy
Sat Oct 27, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Unplugging from Tech Tips
Replies: 38
Views: 2805

Re: Unplugging from Tech Tips

I read so much about how overly connected we are and how it's giving us all ADHD/shorter attention spans/screenager screen addicted kids, etc etc. The new iphone OS update that shows your screen time is really eye-opening (tracks number of pick-ups, total hours per day/weekly average). Inspired by ...
by TheOscarGuy
Wed Oct 24, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 66
Views: 7673

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Somewhat related to this -- I see that SimpliSafe has it's own cameras, but they are around $99 or so. I was thinking of gettiing a WyzeCam -- I see there are 2 models, one of which allows zoom/pan etc. If anyone has used these cameras, any comment on whether the zoom/pan version is significantly b...
by TheOscarGuy
Tue Oct 23, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4358

Re: Canada Goose Jacket

Love mine. Before buying it, I didn’t know I could be so warm in the winter. Watch out for PETA people giving you grief about it, though. In NYC, I’ve had a few of them come up to me about it over the years. Can you elaborate, I didn't know wearing down jackets is bad for the animals? Not sure if s...
by TheOscarGuy
Tue Oct 23, 2018 6:52 am
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4358

Re: Canada Goose Jacket

jks1985 wrote:
Mon Oct 22, 2018 11:27 pm
Love mine. Before buying it, I didn’t know I could be so warm in the winter.

Watch out for PETA people giving you grief about it, though. In NYC, I’ve had a few of them come up to me about it over the years.
Can you elaborate, I didn't know wearing down jackets is bad for the animals?
by TheOscarGuy
Mon Oct 22, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4358

Re: Canada Goose Jacket

best jacket ever so warm. I live in cold Michigan and I am toasty with this jacket. It is an investment and I am hoping it will last a couple of years. Check the size and try one on before buying. Not sure if you are kidding. You expect them to last only for a couple of years, after dropping over $...
by TheOscarGuy
Mon Oct 22, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Sequoia or Land Cruiser
Replies: 25
Views: 1365

Re: Sequoia or Land Cruiser

My wife and I are about to start a vehicle sinking fund. While my 2003 Honda Pilot is still going strong, I understand that I need to plan for the future. I will drive it until i can’t anymore, but I will not put any further “costly” repairs in it. My projection is 3-5 years, hopefully longer. I am...
by TheOscarGuy
Mon Oct 22, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25487

Re: PSA: Don't buy a big house

We just moved from CA to TX. We ended up buying a McMansion compared to what we had before: - 4 BR, 4BA - 3750 sq ft (Note: For many I'm sure this will still be 'small'...) - 0.75 acres - 10-ft ceilings throughout - 20-ft ceilings in hallways and 'great room' In some ways it's great, there is space...
by TheOscarGuy
Mon Oct 22, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

How could you possibly spend $100 to change the antifreeze and ATF on a civic?? A gallon of Honda type 2 coolant is about $15. Maybe $20 at a full price dealer. Honda DW1 atf is a about $8/qt and the civic takes about 3 quarts on a change. I’ve done those jobs, takes less than an hour. You assumed ...
by TheOscarGuy
Fri Oct 19, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

I recently brought my Tundra in for service at the dealership because it needed an emissions inspection, and I had a coupon for an oil change that brought to the cost to DIY levels. (Weird how motor oil prices haven't fallen over the years). The Tundra is a pain, anyway, as it uses a cartridge-base...
by TheOscarGuy
Fri Oct 19, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 128
Views: 8056

Re: When to change tires; and what brand

I have used Michelins for last several years, never considered anything else. My last set has lasted me roughly 2 years and I now need another set already. Here are the two points I would offer: 1. I read somewhere (can't remember if it was BH or elsewhere) that tires that get shipped to BJs (or oth...
by TheOscarGuy
Thu Oct 18, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 1069

Re: Best first time computer / path for children

After some research I believe you're right, a tower computer is what we will need. I thought those days were long gone! It's been over a decade since we've had anything besides a laptop/ipad ! Thanks for your input! :D I didn't mean workstation/desktop. When I said G series I was referring to the l...
by TheOscarGuy
Thu Oct 18, 2018 5:02 am
Forum: Personal Consumer Issues
Topic: Best first time computer / path for children
Replies: 15
Views: 1069

Re: Best first time computer / path for children

My eldest child is turning the ripe old age of 9 and showing some interest in computer programming, namely with the game Minecraft. For his birthday he has been asking for a computer to use for minecraft. We don't currently allow any computer use for our kids beyond what they do at school and at th...
by TheOscarGuy
Thu Oct 18, 2018 4:43 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

1. Cabin hepa filter replacement. 2. Brake flush since fluid looked dirty 3. Alignment since l/r tires showed inner cupping. 4. Recommend changing engine air filter next time. Did not get this done. These cost 250. Service b13 cost about 185. Taxed and disposal costs on top of this. Last service wa...
by TheOscarGuy
Thu Oct 18, 2018 4:37 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

I was referring specifically to your statement that "Even taking care of these maintenance items yourself will run you higher than that, assuming OP really is inclined and willing to do it." That has not been my experience. For instance this year: $30 on synthetic oil $30 on 4 quarts of ATF $30 on ...
by TheOscarGuy
Wed Oct 17, 2018 2:32 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by TheOscarGuy
Wed Oct 17, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer. Thank you. No way to tell you: you need to find it for yourself good mechanics in the ...
by TheOscarGuy
Wed Oct 17, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3507

Re: Car servicing

Find a good local mechanic! A 2010 Civic shouldn't have needed anything but regular oil changes and a couple of brake fluid flushes by now. It may have come due for one radiator and transmission fluid change depending on how many miles you put on. Spark plugs may be coming up soon (105k) Spending m...
by TheOscarGuy
Tue Oct 16, 2018 11:46 am
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2028

Re: Pet Insurance company recommendation

I am considering getting insurance for my puppy at either Healthy Paws or Trupanion. I would appreciate any feedback on either insurance company, particularly with them covering genetic issues, such as hip dysplasia, etc. We have embrace. This is one of the top two or three rated pet insurance. My ...
by TheOscarGuy
Mon Oct 15, 2018 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6406

Re: When to stop putting money into an older vehicle

Of course, a car that is 20 years old (to some degree) may not be as safe as it was when brand new. I grew up in an area where we got a lot of snow and learned to drive in snowy conditions. I now live where there is less snow -- but we occasionally get some. What I notice, when things get snowy, ho...
by TheOscarGuy
Mon Oct 15, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6406

Re: When to stop putting money into an older vehicle

Regarding safety issues, two questions: 1. For those of us who have been driving without the latest and greatest safety features for many decades, are they as important for us? 2. Objectively, if you compare "safety" of a mid 1960's car to mid 1990's car - is there more of an improvement than from ...
by TheOscarGuy
Mon Oct 15, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Kids and Money
Replies: 38
Views: 1870

Re: Kids and Money

(1) Pretend we have less money than we have. We live well below our means anyway, so it would be pretty easy. But I’m not a fan of being dishonest with our kids. There is no reason to tell kids how much you have, discuss your own financial details etc. There isn't a reason to tell them they have a ...