Search found 835 matches

by TheOscarGuy
Thu Jun 13, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10612

Re: Retired at 35 and have no friends :(

I think this is a troll post. Generally, it's not possible for someone to be a Boglehead and retire at 35. Retiring at 35 requires a huge amount of money (millions) in a short period of time. Options for accuring that money include winning the lottery, buying individual stocks that are on a rocket ...
by TheOscarGuy
Thu Jun 13, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Fishing rod/reel combo recommendation
Replies: 10
Views: 502

Re: Fishing rod/reel combo recommendation

Hello bogleheads, Does anybody have any recommendations for a good fishing rod for light fishing from shore. May be a spinner rod but looking for recommendation on a good brand/model that is cheaper and good value. I do understand they can get very pricey with brands like Penn. My budget is 50$. Th...
by TheOscarGuy
Wed Jun 12, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 65
Views: 3362

Re: Toyota Sienna tire replacement at 12k miles

Hi everyone, Are there any Toyota Sienna owners that have had sub-optimal results with the factory run-flat tires? My wife's went to the Toyota dealership recently for an oil change and they said she needs new tires, as hers have worn thin. She only has 12,xxx miles on the car that we bought brand ...
by TheOscarGuy
Wed Jun 12, 2019 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: 4% APY credit unions
Replies: 22
Views: 3015

Re: 4% APY credit unions

Hi, Just wanted to know what people here think of those credit unions and banks that give 4% APY and sometimes higher interest on your money in the account, but up to specific limit (i.e: simple interest not compounding). It of course comes with hoops and loops such as xx debit card transactions pe...
by TheOscarGuy
Wed Jun 12, 2019 5:55 am
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 46
Views: 7146

Re: What financial information do you wish was more commonly known?

With personal finance and investing information (index over active, fees matter, etc) becoming more widespread, what are some areas in finance that you wish more people knew about or paid attention to? 1. You don't have to spend every dollar you earn. In fact you ought not to. 2. Assume there are n...
by TheOscarGuy
Wed Jun 12, 2019 5:50 am
Forum: Personal Finance (Not Investing)
Topic: 2015 subaru forester 96k, replace or run into the ground?
Replies: 24
Views: 1976

Re: 2015 subaru forester 96k, replace or run into the ground?

Hi, I have a 2015 subaru forester with 98k miles that I purchased in 2014, edmunds calls trade in value $10k, paid $24k. Typically we try for at least seven years for our cars but we didn't have a lot of luck with our last subaru and consumer reports gives it a 3 out of 5 for reliability. sell and ...
by TheOscarGuy
Wed Jun 12, 2019 5:49 am
Forum: Personal Consumer Issues
Topic: Subaru Outback 2017 - 2019 Comments
Replies: 20
Views: 2048

Re: Subaru Outback 2017 - 2019 Comments

I am considering purchasing a 2020 Subaru Outback in the "Touring" trim line later this year when they become available and am soliciting comments from those people who have owned a 2017 through 2019 Subaru Outback with either engine offered at the time of purchase. I really don't want to get comme...
by TheOscarGuy
Tue Jun 11, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

We are getting a puppy in couple of weeks and even though I am very happy for the new addition I cant help but be a little concerned about doctor and medical cost and other cost of new puppy. So wanted a few tips in that regard: - How much should I expect to pay for a doctor visit on an average? - ...
by TheOscarGuy
Tue Jun 11, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 3715

Re: Tips for new pet owner

Have owned multiple dogs over the past 20 years since I left college. None of them have ever cost us anything significant enough out of pocket to even make them noticeable in our budget, even when our income was quite low. You can spend as much or as little as you like. We have had vets that seem t...
by TheOscarGuy
Sun Jun 09, 2019 4:21 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17499

Re: Are You Dumping Netflix?

I still like Netflix, but I seem to spend more and more time on Amazon Prime. This is so true with me, I think once I started watching prime more I have almost stopped watching netflix. If tmobile didnt pay for our netflix I would probably cancel it. I agree that it is going to face some competitio...
by TheOscarGuy
Sat Jun 08, 2019 5:39 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3315

Re: Highly appreciated whiskies

I love Japanese whisky. I started drinking these years ago. They were esoteric but fairly cheap at the time, so I bought a few cases of Yamazaki 12 and 18 yr, Hakushu 12 and 18yr, and Hibiki 12 and 17 yr. J whisky has since gotten really popular, and those bottles now sell for a lot of $. (Like >5x...
by TheOscarGuy
Sat Jun 08, 2019 5:25 am
Forum: Personal Consumer Issues
Topic: iPad vs. iPad Pro vs. 2-in-1 laptop ...
Replies: 5
Views: 824

Re: iPad vs. iPad Pro vs. 2-in-1 laptop ...

I am in the market for a secondary device to use for entertainment consumption (Netflix etc.) but also some light productivity (email etc.) in a pinch. I am currently using a Thinkpad T430 (non-work machine) which is starting to show its age so looking to replace it. I am debating between iPad vs. ...
by TheOscarGuy
Thu Jun 06, 2019 1:25 pm
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4156

Re: This market just scares me...

Hey guys, I'm going to sound a little like an idiot here, but here goes... Over the last six months, I'm made it priority to take a more active role in my investments. I've - Read the two Bogleheads investing books - Decided on a 60/40 AA - Moved all my money from Betterment to Fidelity to start ma...
by TheOscarGuy
Thu Jun 06, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7673

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

Herman Miller office chair (and someone versed enough in ergonomics to get it set jussstttt rightttt). I used to have an Aeron chair when I worked on Wall Street and I still miss it. The crap chairs in public schools are awful. I guess this is what happens when you go from trader to teacher. But yo...
by TheOscarGuy
Thu Jun 06, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7546

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by TheOscarGuy
Thu Jun 06, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7546

Re: US stocks still look better than anywhere else

Not surprised in the least. Still holding 0% international in my AA, just got back from travels in Europe.... sufficed to say after nearly having to beg for my bill each time so I could leave (you “rent” the table for the night), and get yelled at because I sat at a table to drink my latte (after n...
by TheOscarGuy
Thu Jun 06, 2019 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Best budget spreadsheet?
Replies: 24
Views: 3086

Re: Best budget spreadsheet?

Hoping that manually entering transactions will keep us within our budget. I am looking for some great budgeting spreadsheets. Particularly looking for spreadsheets that will tell me how much I have left in each category, has a tab that shows useful charts, and can keep several months worth of data...
by TheOscarGuy
Wed Jun 05, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7673

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

Re shoes - I consistently find great shoes at my local thrift shop. I tend to like the shoes better than what I can find in a store, plus the price is an 80% discount. Not for everyone, but working great for me. No offense, but I can not picture myself putting my feet in shoes that were once worn b...
by TheOscarGuy
Wed Jun 05, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7673

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

Starfish wrote:
Wed Jun 05, 2019 1:00 pm
TheOscarGuy wrote:
Wed Jun 05, 2019 11:42 am


Levis jeans (OK product, very good warranty)
What does that mean? What is the relevance of warranty for clothes?
If it goes bad, they replace it. I have some issues with their jeans, and they were happy to replace it for me. :happy
by TheOscarGuy
Wed Jun 05, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 5907

Re: Would you buy a house without a garage?

My wife an I are looking to move to a NYC suburb. My wife likes a house that has been sitting on the market for over a year with multiple price reductions. There are a good number of quirks to this house that (I think) have caused it to sit. The two biggest issues are the garage and the bathrooms. ...
by TheOscarGuy
Wed Jun 05, 2019 11:42 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7673

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 TheOscarGuy
Wed Jun 05, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked
Replies: 28
Views: 1209

Re: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked

As mentioned code now requires hardwired in many jurisdictions and to give one example: in Massachusetts whenever a house is sold it has to be inspected and get a smoke alarm compliance certificate from the Fire department. There are different requirements based on age (some rules get grandfathered...
by TheOscarGuy
Wed Jun 05, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked
Replies: 28
Views: 1209

Re: Smoke Alarms - Individual Battery Operated vs. Hard-Wired Linked

Our 2700 square foot house has four smoke detectors - basement (1), first floor (2 - top of basement stairs, hallway from kitchen to stairs to second floor), top of stairs on second floor). They are all stand-alone battery powered. I had an electrician at my house recently for something unrelated t...
by TheOscarGuy
Tue Jun 04, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Tell us your side hustle success stories.
Replies: 68
Views: 6827

Re: Tell us your side hustle success stories.

Those who found success with your side hustles, what do you do, how did you start, what percentage of it is your total income? I will start. My side hustle was(I am planning to get back on this) writing non fiction books in Amazon KDP. I started writing for a ad revenue share site called Triond whe...
by TheOscarGuy
Mon Jun 03, 2019 3:06 pm
Forum: Personal Consumer Issues
Topic: Treadwear Mileage Expectation for Cooper Touring Tires
Replies: 4
Views: 309

Re: Treadwear Mileage Expectation for Cooper Touring Tires

Am contemplating purchase of Cooper CS5 Touring Tires for my Prius. My driving consists primarily of local trips, running errands, stop-and-go. I typically drive 10,000 miles per year. I do a good job of keeping my tires properly inflated. I am often negligent at rotating the tires at recommended i...
by TheOscarGuy
Mon Jun 03, 2019 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Other things to negotiate than salary
Replies: 7
Views: 906

Re: Other things to negotiate than salary

Hi there, I am currently negotiating my salary and wondering if there is any other "extras" that are sensible to negotiate into your contract with your company? Changing other terms and conditions of the contract, for instance reduced working hours. Can you think of any other than base salary that ...
by TheOscarGuy
Mon Jun 03, 2019 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Other things to negotiate than salary
Replies: 7
Views: 906

Re: Other things to negotiate than salary

Whether it is “sensible” to negotiate is a judgment call. It’s good to advocate for yourself for items that are important to you but you don’t want to price yourself out of the job or come across as too demanding/greedy. One thing to be aware of is if they give you something like extra vacation or ...
by TheOscarGuy
Mon Jun 03, 2019 6:04 am
Forum: Personal Consumer Issues
Topic: "Fishing" Shirt Recommendations
Replies: 18
Views: 1401

Re: "Fishing" Shirt Recommendations

I do a lot of sports out on the water and am looking for a shirt similar to: https://www.amazon.com/Columbia-Mens-Tamiami-Shirt-Cool/dp/B004GJ4840/ref=sr_1_2_sspa?keywords=fishing+shirt&qid=1559500739&s=gateway&sr=8-2-spons&psc=1 I'd like it to: 1. Be SPF 50+ 2. Dry somewhat quickly 3. Be cool 4. B...
by TheOscarGuy
Sat Jun 01, 2019 9:37 am
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 40
Views: 2447

Re: bare root trees - best place or website to purchase from?

Do folks generally plant larger trees themselves, or get professionals to do it? I have considered myself getting some ever greens for privacy. I almost bit the bullet on buying 6 ever greens for ~$3-400 a pop last fall. But I am fairly inexperienced in this area, and have killed smaller, easier to...
by TheOscarGuy
Fri May 31, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: bare root trees - best place or website to purchase from?
Replies: 40
Views: 2447

Re: bare root trees - best place or website to purchase from?

Do folks generally plant larger trees themselves, or get professionals to do it? I have considered myself getting some ever greens for privacy. I almost bit the bullet on buying 6 ever greens for ~$3-400 a pop last fall. But I am fairly inexperienced in this area, and have killed smaller, easier to...
by TheOscarGuy
Fri May 31, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: 23 and me vs. ancestry- thoughts?
Replies: 38
Views: 2863

Re: 23 and me vs. ancestry- thoughts?

runner3081 wrote:
Fri May 31, 2019 1:38 pm
The fact that they charge for this service to collect data that will net them a ton of money some day is, well, insane.
:D
I agree.
I do not see the point in paying them for the privilege of using my data for whatever they wish -- sell to third party, monetize it..
by TheOscarGuy
Fri May 31, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Blinds for Windows - Where is the best value ?
Replies: 30
Views: 2273

Re: Blinds for Windows - Where is the best value ?

Folks, Need some help, many of home blinds are broken and time to replace - 15 windows. 1. Is it safe to buy blinds online (eg blinds.com) ? Anyone has any online blinds shop recommendations ? 2. Lowes is offering 40% off on blinds this week - Is it a good deal ? Any advises would be appreciate We ...
by TheOscarGuy
Fri May 31, 2019 1:42 pm
Forum: Personal Investments
Topic: What percent of your assets do you have in investment property (excluding your personal residence)?
Replies: 73
Views: 3027

Re: What percent of your assets do you have in investment property (excluding your personal residence)?

I'm thinking about what percentage of my assets I should have in investment properties. What percentage do the bogleheads feel like is appropriate? 0%? :D. Are you asking how much leverage is OK to have in investments? Many on BH don't have any investment property (myself included) and get by just ...
by TheOscarGuy
Wed May 29, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Its a Jeep thing?
Replies: 40
Views: 3324

Re: Its a Jeep thing?

The Jeep and the Toyota 4Runner are the only traditional body on frame 4x4 off road "real" SUVs left... and of them the Jeep is considered the Toyota Landcruiser Lexus LX570/470 Lexus GX I don't offroad, but I am pretty sure first two vehicles are used heavily for offroading. Third one is body on f...
by TheOscarGuy
Wed May 29, 2019 7:59 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2529

Re: Home buying

Hi all, We put an offer down on our first home and it was negotiated and accepted. Its at the top of our budget. It’s an old home (1969) and we just had an inspection done. Being a first time home buyer, I didn’t know what to expect but the inspection was 6 hours long (I was there for all of it) an...
by TheOscarGuy
Wed May 29, 2019 6:57 am
Forum: Personal Investments
Topic: Too many eggs in one basket?
Replies: 43
Views: 4874

Re: Too many eggs in one basket?

sonic1124 wrote:
Sun May 26, 2019 9:13 pm

Retirement: $300k in 401k, $50k in ESOP. Max out $36k/year for the two of us in 401k
Do you not mean 38K per year?
by TheOscarGuy
Wed May 29, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Paying Kids For Good Grades -- do you do it?
Replies: 131
Views: 11037

Re: Paying Kids For Good Grades -- do you do it?

miamivice wrote:
Tue May 28, 2019 11:35 am
Zombie thread alert. Post was from 2015, and I think the OP has figured out what he wanted to do.
We ought to have a "stale" marker that tells people this is very old original post. Its funny to see people carry out conversation sometimes 4 years old, without realizing it. :happy
by TheOscarGuy
Wed May 29, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: inexpensive outdoor security camera
Replies: 19
Views: 1957

Re: inexpensive outdoor security camera

Wyze is supposedly coming up with an outdoor camera soon. Their indoor camera is $20 and people have successfully used it outdoors with improvised weatherproof boxes (google it if you are interested, I am waiting for the factory version) https://www.wyze.com/ This. We have indoor ones and I love it...
by TheOscarGuy
Wed May 29, 2019 6:51 am
Forum: Personal Consumer Issues
Topic: Financial Math and CFP
Replies: 9
Views: 933

Re: Financial Math and CFP

Hi, I am looking for recommendations for book to learn Financial Math terms. I know this can be done using Google but looking for books used in college or financial planning courses. Also, wondering if anyone has done CFP coursework and didn't become a FP. Was it worth the time and help gain better...
by TheOscarGuy
Wed May 29, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: $3k for teen club soccer
Replies: 104
Views: 7117

Re: $3k for teen club soccer

So our 14-yr old tried out for a local soccer club here in TX. I figured it would be ~$1k like it was in CA. The paperwork after the tryout said he'll land in one of three tiers: - $2.8k - $2.2k - $1.7k Seems like a lot. Is this typical? For soccer it seems like a lot. My kid does not play soccer, ...
by TheOscarGuy
Tue May 28, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Remote control for an Apple TV 4k
Replies: 10
Views: 609

Re: Remote control for an Apple TV 4k

I'm looking to replace my Apple TV 4k's remote control which I utterly hate (I can never use the track pad area correctly). I would prefer one that has a base that has some kind of "find me" feature that will start ringing the remote if misplaced. What do yall recommend? apple TV app. I hate that r...
by TheOscarGuy
Fri May 24, 2019 7:05 am
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 12384

Re: Is the housing market starting to collapse?

CULater wrote:
Thu May 23, 2019 12:20 pm

Any comments on this?
That you were right predicting this :)
I think housing data is highly localized, and I would not use the word collapse. Certainly where we live it seems housing prices have been on a steady increase. I personally am not reading too much into this.
by TheOscarGuy
Fri May 24, 2019 6:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8458

Re: Vanguard issues 10-year forecast for stock, bond market returns

What to do in this situation? International returns prediction seems ok. What do they mean by this, as most total market indexes I have seen include a large portion of U.S is this still 'international' or would it be world ex U.S? Keep calm and carry on with your financial plan ? :D I am not sure w...
by TheOscarGuy
Fri May 24, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2591

Re: Grad school financing - hard sciences

1) In TODAY'S world (not my 25 year old memory), and 2) For graduate work in a research discipline of a HARD SCIENCE (such as chemistry, biology, etc.) is it typical for master's and Ph.D. students to pay/finance their own way? Or typical to get the type of support I mentioned above? I had funding ...
by TheOscarGuy
Fri May 24, 2019 4:21 am
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2156

Re: Weber vs Broil King Grills

I'm in the same conundrum. I was all set to buy a Weber Genesis, but then I read on-line several reports stating Weber quality has gone down significantly in last few years due to manufacturing move to China by the new owners. It will be good to hear recent experiences with Weber grills. I was in s...
by TheOscarGuy
Thu May 23, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 6708

Re: Is Tesla Going To Survive?

TSLA is now at $192 (down 47%)? Is the company going to survive the next few years? Tesla owners, how is the quality and customer service as of late? I was actually thinking about splurging for a Model Y in the next few years. I'm not so sure now... I think it is likely Tesla gets bought by some ot...
by TheOscarGuy
Thu May 23, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 2038

Re: ongoing eBay buying problems

You haven’t provided enough clear detail to explain your problem, at least from how I’m reading it. Can't make purchases on eBay. Long time eBayer. No CC or PayPal problem anywhere else. "Reps" no help. Are you able to make routine eBay buys lately? Both buy and sell on very small scale, but the im...
by TheOscarGuy
Wed May 22, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3428

Re: Another Honda maintenance thread

Dealers make most their money in service, with modern fluids you do NOT need to change them more frequently than manufacturer recommendation. People that change transmission fluid every 15-20K miles aren't necessarily hurting anything but they aren't helping anything either. Car maintenance has ess...
by TheOscarGuy
Wed May 22, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6094

Re: Best small AWD to 'drive into the ground'

Real AWD systems in cars narrows it to Subaru and Audi. The rest are "cosmetic" AWD that are there to get your money, then get you stuck. Having used Hondas, I have to say that unless you are off roading this statement is factually incorrect. I know Honda does not have 4WD but never have I been lef...
by TheOscarGuy
Wed May 22, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6094

Re: Best small AWD to 'drive into the ground'

I'm looking for which good winter handling awd I can drive 'into the ground' with the longest life/least maintenance and best gas mileage (holy grail). My son's 2012 outback was just hit and totaled at college and I'm trying to decide what to either replace it with or get myself another car and giv...