Search found 903 matches

by ssquared87
Fri May 17, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 5892

Re: Which car has the best or most comfortable cabin under 35K

I find Hondas to be the most uncomfortable cars. Hard poorly designed seats and a stiff suspension. Never owned an Altima but rented a bunch and I think their seats are very comfy. I’ve had to return altimas to the rental company twice because the seats were unbearable. The headrests protrude forwa...
by ssquared87
Thu May 16, 2019 9:18 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 66
Views: 5107

Re: Honda CRV or Toyota RAV4 ?

RAV4's don't have CVT transmissions - or turbo engines. Nor do they have anything about them designed or engineered within the last 25 years. And that would be a good thing or a bad thing? Depends on perspective I guess. It’s good in that you know it’s reliable. It’s bad in that the performance and...
by ssquared87
Thu May 16, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 72
Views: 4159

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

Based on all the articles I’ve read and iihs information it seems midsize (accord, Camry, Mazda 6) is a good blend of safety and economy. Keep in mind these aren’t small cars at all. The current civic which you test drove is roughly the size of a 2003 accord. As to your question of getting used to i...
by ssquared87
Thu May 16, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 66
Views: 5107

Re: Honda CRV or Toyota RAV4 ?

California88 wrote:
Thu May 16, 2019 3:39 pm
RAV4's don't have CVT transmissions - or turbo engines.
Nor do they have anything about them designed or engineered within the last 25 years.
by ssquared87
Thu May 16, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: More car buying advice
Replies: 29
Views: 1813

Re: More car buying advice

Great job getting your finances on the right track! stoptothink is right in that the used car is probably half way through its useful life, so used vs new is probably about a wash. The insurance may be a lot more expensive on the newer one though. Call your insurance and find out the difference in t...
by ssquared87
Thu May 16, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 5892

Re: Which car has the best or most comfortable cabin under 35K

Due to a change in circumstances, we now have a long daily commute, so toying with the idea of splurging on something more comfortable since we'll be "consuming" that luxury for a couple of hours everyday. Which car cabin have you been wowed by? Budget $35K (incl taxes and fees), doesn't have to be...
by ssquared87
Thu May 16, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 5892

Re: Which car has the best or most comfortable cabin under 35K

Ford Fusion Hybrid Titanium trim. I second the Ford Fusion. I have the hybrid, but bought it before the Titanium trim came out (I have a 2013, the first year of the redesign). That said, Ford is planning on discontinuing the Fusion line in the United States after 2020. -B The fusion drives very wel...
by ssquared87
Thu May 16, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 66
Views: 5107

Re: Honda CRV or Toyota RAV4 ?

Long time Honda owner thinking about getting a new CRV. Was wondering how a RAV4 would compare especially on price and reliability. Your thoughts? Neither. The Honda has engine issues and the Toyota is underwhelming all around. Go with the Mazda CX-5 instead. Absolutely agree- -best answer and solu...
by ssquared87
Tue May 14, 2019 7:13 pm
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 35
Views: 2522

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

I have owned this 2018 model for 18 months and have 19,300 miles on it. There have been no issues so far with it. It is a pleasure to drive and great on the road. The engine is both turbo and super charged. Plenty peppy. The seats were big selling features as have made some long trips (2900,2000, 1...
by ssquared87
Tue May 14, 2019 12:16 pm
Forum: Personal Investments
Topic: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?
Replies: 19
Views: 3060

Re: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?

+How can I keep my portfolio balanced as my gains increase over time and drift away from 80/20. Surely this is tax disadvantageous? Probably not. Remember you are only taxed on the gains, Let's say a withdrawl of 3.5% ($105k) is $80k principal and $25k long term capital gains, your tax burden is $0...
by ssquared87
Tue May 14, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 35
Views: 2522

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

To the poster below how said that BMW and MB "upgraded" seats are "better" than the Volvo stock seats. I feel like this isn't a fair comparison. To be fair, you should them against the luxury (Inscription) seats. Forgot that OP was looking at momentum. My comparison was with the inscription as that...
by ssquared87
Tue May 14, 2019 1:59 am
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 20
Views: 1651

Re: What computer to buy for snowbird

Why not just run your workloads on AWS? https://aws.amazon.com/ That frees you to get a highly portable laptop instead of a massive brick +1 Unless your processing massive datasets, pretty much any MacBook Pro will be fine to run jobs locally. I work in data science/analytics and most of the time w...
by ssquared87
Mon May 13, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 35
Views: 2522

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

I considered an S90 but ruled it out in favor of a BMW 530 which is roughly the same price. I love the s90 exterior and interior design...probably the best interior out there. I found the engine to be extremely unrefined though in comparison to the bmw which also uses a 4–cyl turbo. The bmw is smoot...
by ssquared87
Thu May 09, 2019 12:21 am
Forum: Personal Investments
Topic: Mega-Backdoor Roth strategy wrong everywhere?
Replies: 17
Views: 2098

Re: Mega-Backdoor Roth strategy wrong everywhere?

As a round number for example on a 100k income, say I put in 5% and they match me at 4%. That puts my personal contributions at $5000 for the year and $9000 together as of Dec 31 of that year, well short of the $19000 limit. Your company match doesn’t count towards the $19k limit. In the case above...
by ssquared87
Wed May 08, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Houseplants
Replies: 17
Views: 1482

Re: Houseplants

Snake plants (sansevieria) is damn near impossible to kill, only needs water once a month, can tolerate direct sun or sitting in a dark corner (although the color darkens if it’s in the dark) and looks modern and architectural. I have a few of these and love them. Dracaena is also pretty hard to kil...
by ssquared87
Mon May 06, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Winter Tires All Year?
Replies: 62
Views: 3515

Re: Winter Tires All Year?

Absolutely take them off.

At temps above 40, they will wear out extremely quickly because the compound will be too soft at higher temps.

Good job on the snow tires though, it’s the right thing to do for everyone’s safety when the temps drop. Too many people don’t realize how important they are.
by ssquared87
Mon May 06, 2019 12:42 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 5328

Re: Fun-ish Used Boglehead Car

I'm gonna throw in the BMW M Roadsters (Z4 or Z3).. very high performance for relatively little maintenance and very high fun per mile ratio. I have an '06 M Roadster and while she requires my full attention to drive (all are manual 5 or 6 speed for the Z3 or Z4 M Roadsters) they are high performan...
by ssquared87
Sun May 05, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Saving passwords on iCloud
Replies: 21
Views: 2003

Re: Saving passwords on iCloud

iCloud is fine but storing passwords in apple notes is not secure. Anything in notes is plain text and not encrypted even if you lock notes with a password. Better to use Apple keychain or a password manager which encrypts your passwords. These can be saved on iCloud securely and accessed on multipl...
by ssquared87
Fri May 03, 2019 4:22 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 4520

Re: Short BYND? (beyond meat, IPO today)

I eat meat 2-3 times a week. I eat it for health reasons. I also eat eggs regularly as well as fish. My goal is healthy and these burgers make no sense to me at all. That’s the thing, if you want burger shaped patties to taste like beef, tons of chemical garbage needs to be added making the product...
by ssquared87
Fri May 03, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 5328

Re: Fun-ish Used Boglehead Car

I bought a used BMW 335i coupe as an experiment to see how much I'd enjoy having a "fun" car, and it would be worth the price. Long story short, I LOVED this car, and have no regrets, but it appears to be on its last legs. tly appreciated! What is wrong with it? Well, I learned it's not as bad as p...
by ssquared87
Tue Apr 30, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

You can get a 2018 camry for $15K++ https://chicago.craigslist.org/sox/ctd/d/hometown-2018-toyota-camry-le/6863511161.html That car may be $15,800. But it has 40k miles, A new 2019 LE (leftover) is $17,700 invoice and MSRP is $19,135 (I looked it up on Car Gurus). They say a fair price for a 2018 L...
by ssquared87
Fri Apr 26, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: 10 minutes worth $300K?
Replies: 61
Views: 8387

Re: 10 minutes worth $300K?

You could get the less expensive house and then "buy" that time back by paying someone to do work that you normally do. For example if you normally mow your own grass then you could hire someone to cut your grass for you to free up an hour or two a week to offset the extra time you are commuting. T...
by ssquared87
Fri Apr 26, 2019 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: 10 minutes worth $300K?
Replies: 61
Views: 8387

Re: 10 minutes worth $300K?

quantAndHold wrote:
Fri Apr 26, 2019 6:46 pm
I wouldn’t choose either house. Both commutes are too long.
+1

30 minutes each way is the top of my limit. I’d make an exception if I only went to the office 2-3 days a week

Do you have the option of working home part time?
by ssquared87
Thu Apr 25, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Interesting thread. I've had quite a different experience than many of the posters in this thread. I purchased a 4 year old CPO Honda Fit M/T 35% BELOW the price of an equivalent new Honda Fit. In my opinion, that was a huge discount over new, (the latter, which was well outside my budget). I am no...
by ssquared87
Wed Apr 24, 2019 10:13 pm
Forum: Personal Consumer Issues
Topic: Dash cam without wires
Replies: 9
Views: 894

Re: Dash cam without wires

Do you know and practice defensive driving? Accidents are very rarely 100% the fault of one party. Right. I’ve had 2 in the last 4 years which were 100% the fault of the other driver. One was a moron trying to pass over a double yellow line and then hitting me trying to get back to the right side o...
by ssquared87
Wed Apr 24, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9039

Re: fun car advice

I wish I had the courage to daily drive a lotus but I live in LA. The Elise is such an amazing vehicle but after being in a pretty serious accident and being severely injured at no fault of my own, I’ve relegated myself to much larger cars most of the time. I frequently see a long haired guy who loo...
by ssquared87
Wed Apr 24, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Thanks for the tips on going to car rental websites. Unfortunately, they don't seem to carry many hatchbacks (I need a hatch to carry my dog's kennel. I make a lot of road trips and take her with me and she needs to be in a kennel). I will keep looking though. I have time. I think you posted earlie...
by ssquared87
Wed Apr 24, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

Thanks for the tips on going to car rental websites. Unfortunately, they don't seem to carry many hatchbacks (I need a hatch to carry my dog's kennel. I make a lot of road trips and take her with me and she needs to be in a kennel). I will keep looking though. I have time. I think you posted earlie...
by ssquared87
Wed Apr 24, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

If you believe the mantra of buy one year old and never compare their prices to new... Mike, are you speaking for yourself; when you make major purchase decisions you have difficulty thinking for yourself and fall back on trite mantras? Or do you believe the rest of us are lacking critical thinking...
by ssquared87
Wed Apr 24, 2019 1:04 am
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 11751

Re: Who is buying 1-3 year old used Toyotas and Hondas?

People who are allergic to the New Car Smell are forced to pay a premium to get one that's been broken in but like-new LOL. I actually hate "new car smell." It smells like chemicals and glue to me. I don't get the appeal. I won't pay a premium for the smell to be gone though. Me too. The only excep...
by ssquared87
Mon Apr 22, 2019 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 49
Views: 5049

Re: Can one own a Porsche 911 that is not a money pit?

Maintenance is expensive However, i find them reliable You dont need the high horsepower versions at first I have owned all sorts of nice cars, and exotics. Porsche is great. However, i would consider a 14 or 15 cayman manual for 45k CPO as a first porsche (or a boxster) You will keep it for 10 yea...
by ssquared87
Mon Apr 22, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9039

Re: fun car advice

My friend’s Exige has only had one real problem in 4 years of ownership- failed thermostat. It is a PITA to replace though. Most of the Powertrain is Toyota. Having a long time BMW history (my BMW CCA 25 year pin has tarnished, it's so old), if you are looking with nostalgia at E36 or E46 M3's, be ...
by ssquared87
Mon Apr 22, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can one own a Porsche 911 that is not a money pit?
Replies: 49
Views: 5049

Re: Can one own a Porsche 911 that is not a money pit?

Maintenance is expensive However, i find them reliable You dont need the high horsepower versions at first I have owned all sorts of nice cars, and exotics. Porsche is great. However, i would consider a 14 or 15 cayman manual for 45k CPO as a first porsche (or a boxster) You will keep it for 10 yea...
by ssquared87
Sun Apr 21, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9394

Re: Luxury car recommendations?

BMW's aren't exactly at the top of the reliability list either.:) If you don't care about sportiness and can't tell the difference in material quality, there is no point in buying luxury. If you do care about them, you can debate how much it is worth it to you. Mainstream brand cars are pretty darn...
by ssquared87
Sat Apr 20, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 9039

Re: fun car advice

*the F87 M2, I have one, is sometimes said to be a throw back to earlier M car values, anyway a fun car for sure. Used M2's sell for under $50k. +1 Go for one with a touchscreen iDrive and manual transmission. Smiles all around. The touchscreen iDrive is stupid. It’s too hard to control while drivi...
by ssquared87
Fri Apr 19, 2019 11:25 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3010

Re: Buying a bed

Bed comfort is a very personal thing. I need to replace old spring beds. Any preference for spring vs memory foam or hybrid? Does memory foam maintain its shape over the years? Any comments about “cool” memory foam mattress from Tempurpedic.. Back in 2010 I splurged on a Tempurpedic. It was great f...
by ssquared87
Thu Apr 18, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9394

Re: Luxury car recommendations?

IMO you aren’t missing anything. I had a Benz for many years and it was honestly the worst car I’ve ever had. Within a week you will tire of the do-dads and nick-knacks (which all cost a fortune to fix). Buy a Volkswagen to get some higher build quality without the gimmicks and be done IMO. I would...
by ssquared87
Thu Apr 18, 2019 3:55 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3010

Re: Buying a bed

Check this out: https://bestmattressonline.org/top10.html I wouldn't trust any site like this. There are no reputable mattress reviews online. Previous threads have discussed the schemes that these companies use to drive sales via sham reviews and kickbacks to the reviewers. So you'd rather trust s...
by ssquared87
Tue Apr 16, 2019 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Job Offer Evaluation - FANG
Replies: 92
Views: 8009

Re: Job Offer Evaluation - FANG

I am sure you'll come to the right decision for you. I was curious though and I just did a Zillow search for a 1 bedroom with at least 1,000 square feet under $2,000 dollars. The results are very few. I see quite a few in Green Lake and Wallingford. Probably end up with something around 800 sq ft.....
by ssquared87
Tue Apr 16, 2019 7:49 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 9982

Re: seriously thinking about leaving S. CA but where to?

Move anywhere else, suck it up and buy a jacket or a cashmere sweater. It’s not a big deal

-fellow so cal resident also planning to bail (Denver/Boulder area is on my short list but I’m not as concerned about climate as you seem to be)
by ssquared87
Sun Apr 14, 2019 11:08 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 9394

Re: Luxury car recommendations?

I recently upgraded from a 2010 Toyota Camry SE to a 2019 Lexus GS 350 F Sport AWD and the difference is night and day. It’s like I’m driving for the first time. It feels like I’m driving a race car, yet it’s very comfortable inside, well insulated and when I hit a bump during my commute I barely f...
by ssquared87
Sat Apr 13, 2019 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4011

Re: Relocating to Seattle from Baltimore Area

re: Oblivious drivers toodling along in the Left lane on WA highways: I had to laugh when I read this point (made by a poster above) bc it's really true in my experience. I live in the SF Bay Area and do road trips to Seattle to see various immediate & extended family pretty regularly -- just retur...
by ssquared87
Sat Apr 13, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4011

Re: Relocating to Seattle from Baltimore Area

re: Oblivious drivers toodling along in the Left lane on WA highways: I had to laugh when I read this point (made by a poster above) bc it's really true in my experience. I live in the SF Bay Area and do road trips to Seattle to see various immediate & extended family pretty regularly -- just retur...
by ssquared87
Fri Apr 12, 2019 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4011

Re: Relocating to Seattle from Baltimore Area

The homeless problem and urban cleanliness is not as bad as people mention, a lot of sincere people are working on solutions. I think it is better than a few years ago. Seattle, Portland and San Francisco look like something out of a post apocalyptic film most nights. There are feces, vomit and nee...
by ssquared87
Fri Apr 12, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4011

Re: Relocating to Seattle from Baltimore Area

This mentality translates to pretty much every day life there. People randomly cut in front of others in grocery store lines and pretend they don’t see you because they don’t expect you will call them out on it (very passive culture remember). This happened to me many times and another friend from ...
by ssquared87
Fri Apr 12, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating to Seattle from Baltimore Area
Replies: 86
Views: 4011

Re: Relocating to Seattle from Baltimore Area

:sharebeer Have you spent much time in Seattle? I lived there for a bit over a year and I’m originally from the east coast. I moved there for the outdoors and loved the nature, scenery, hiking, and skiing within a short distance of the city. What I hated about it and ultimately led me to leave was t...
by ssquared87
Fri Apr 12, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18834

Re: Talk me in/out of $35k Tesla Model 3

Sports cars are not easy entry nor exit. Not everything is built like an SUV. Mind SUVs aren't great access for some sizes of people. A model 3 isn’t a sports car But you said "any vehicle"? People buy sports cars and I am amazed they can squeeze themselves in or out. I am thinking Lotus, Aston Mar...
by ssquared87
Fri Apr 12, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18834

Re: Talk me in/out of $35k Tesla Model 3

I took delivery of a Model 3 a couple weeks ago and my family and I are amazed. Overall, the Model 3 is a terrific vehicle. ...getting in and out of the Model 3 isn't easy for me (I'm 6'4", 240 lbs) The Model 3 doesn't provide you the ability to easily get in/out of the car, which seems like a basi...
by ssquared87
Fri Apr 12, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 3010

Re: Buying a bed

Check this out: https://bestmattressonline.org/top10.html I wouldn't trust any site like this. There are no reputable mattress reviews online. Previous threads have discussed the schemes that these companies use to drive sales via sham reviews and kickbacks to the reviewers. So you'd rather trust s...
by ssquared87
Fri Apr 12, 2019 8:48 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18834

Re: Talk me in/out of $35k Tesla Model 3

I took delivery of a Model 3 a couple weeks ago and my family and I are amazed. Overall, the Model 3 is a terrific vehicle. ...getting in and out of the Model 3 isn't easy for me (I'm 6'4", 240 lbs) The Model 3 doesn't provide you the ability to easily get in/out of the car, which seems like a basi...