Search found 933 matches

by ssquared87
Wed Jun 19, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Low Prius Inventory-change strategy?
Replies: 26
Views: 1181

Re: Low Prius Inventory-change strategy?

Get a Honda Insight hybrid instead. It blows away the Prius in every respect. Reviews have been extremely positive of the insight and it’s won every comparison it’s had vs the Prius. I recently test drove an insight hybrid and a Camry LE hybrid. I thought the Camry was significantly better. The ins...
by ssquared87
Wed Jun 19, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Low Prius Inventory-change strategy?
Replies: 26
Views: 1181

Re: Low Prius Inventory-change strategy?

Get a Honda Insight hybrid instead. It blows away the Prius in every respect. Reviews have been extremely positive of the insight and it’s won every comparison it’s had vs the Prius.
by ssquared87
Mon Jun 17, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Keep 12 yr old bmw?
Replies: 22
Views: 1587

Re: Keep 12 yr old bmw?

What about a 2013 BMW X-5 with 130k miles? No problems. Expensive maintenance! Wouldn't buy another however (poor gas mileage, too expensive to maintain). Sorry to butt in on conversation but you guys seem expert! Thanks The 3 series is different in performance and handling from the 5 series, and w...
by ssquared87
Mon Jun 17, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Keep 12 yr old bmw?
Replies: 22
Views: 1587

Re: Keep 12 yr old bmw?

OP, just admit you want a new BMW... :D I’m torn. It would be nice to have a reliable new BMW but my frugal boglehead voice tells me to keep the money invested and drive my current old BMW until the repairs aren’t worth it. Unless your E90 is a 335i, there’s nothing unreliable about that model. You...
by ssquared87
Mon Jun 17, 2019 9:05 am
Forum: Personal Consumer Issues
Topic: Keep 12 yr old bmw?
Replies: 22
Views: 1587

Re: Keep 12 yr old bmw?

OP, just admit you want a new BMW... :D I’m torn. It would be nice to have a reliable new BMW but my frugal boglehead voice tells me to keep the money invested and drive my current old BMW until the repairs aren’t worth it. Unless your E90 is a 335i, there’s nothing unreliable about that model. You...
by ssquared87
Sat Jun 15, 2019 7:19 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

I’m curious for the people who regularly drive on the track: do you actually see super cars there? The one time I did a track day, it was a mix of everyday sporty cars (Miata, Mustang, WRX, GTI), some track-prepped older cars, and a few higher end but still achievable sports cars (Corvette, Porsche...
by ssquared87
Sat Jun 15, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 345
Views: 34656

Re: What lifestyle creep made you happier?

I am surprised no one mentioned a HCOL area with nice weather. I am so thankful that I do not need to bundle up, preheat the car, scrape ice off the windows, clear the driveway, worry about the driving conditions or if my car breaks down and I freeze to death. I am so grateful I don’t live in winte...
by ssquared87
Fri Jun 14, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

White and black are boring...you're getting a super car, get an appropriate color. The red is definitely more eye catching
by ssquared87
Tue Jun 11, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: Recommend an American medium size car
Replies: 32
Views: 2296

Re: Recommend an American medium size car

Seems like every poster above me ignored OPs desire for a 2 door car Camaro and mustang are both assembled in the US and made by American companies. They’re also excellent vehicles. From my experience I prefer the camaro over the mustang. Mustang is easier to see out of and has a better interior but...
by ssquared87
Tue Jun 11, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

That might be the best recommendation. Get a supercar (488 GTB would be my choice) for tooling around and looking cool. Get a track day car for fun (start at lower performance and work your way up to GT3). At that level of income, OP can afford both. Might need a bigger garage, though. *I noticed a...
by ssquared87
Tue Jun 11, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Why would you have him do that when he currently owns an S4 (which would take those 2 cars to school). Why not just track his S4 and learn on that? Also, i get that the miata and BRZ are rear-wheel drive cars, but he's considering an NSX which is AWD just like the S4. The S4 is an OK track car, but...
by ssquared87
Tue Jun 11, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

Get a Miata or a BRZ and go to the track. Learning on a low powered car will help you build up your skills more than driving a high powered car. It’ll also be much more fun that driving a super car slow on public roads. Why would you have him do that when he currently owns an S4 (which would take t...
by ssquared87
Tue Jun 11, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36670

Re: For those who earn $500k+ per year. How'd you do that?

Physician is a known path... entrepreneurship is another path Both worked well for me. While I never actually made $500K+ as a doc, the pathway to get there from where I was to there was easy to see. A few more shifts, more night shifts, slightly higher patient per hour ratio or slightly better pay...
by ssquared87
Tue Jun 11, 2019 1:00 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36670

Re: For those who earn $500k+ per year. How'd you do that?

Physician is a known path... entrepreneurship is another path Both worked well for me. While I never actually made $500K+ as a doc, the pathway to get there from where I was to there was easy to see. A few more shifts, more night shifts, slightly higher patient per hour ratio or slightly better pay...
by ssquared87
Mon Jun 10, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 241
Views: 12951

Re: I'm thinking about buying a supercar anyone here done this and feedback?

I’ll second what another poster mentioned earlier. To truly have fun with these types of cars you need to drive them on the track. Driving them on the street is mostly pointless and somewhat frustrating when traffic and speed limits prevent you from unleashing it’s potential. Get a Miata or a BRZ an...
by ssquared87
Mon Jun 10, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36670

Re: For those who earn $500k+ per year. How'd you do that?

I consider compensation as an indicator of individuals contribution and value. To hear that individuals can receive big bucks in tech essentially as ancillary support staff with limited experience other than sales makes me scared. Warren buffet always says be scared when others are greedy and be gr...
by ssquared87
Mon Jun 10, 2019 1:51 am
Forum: Personal Finance (Not Investing)
Topic: For those who earn $500k+ per year. How'd you do that?
Replies: 369
Views: 36670

Re: For those who earn $500k+ per year. How'd you do that?

I consider compensation as an indicator of individuals contribution and value. To hear that individuals can receive big bucks in tech essentially as ancillary support staff with limited experience other than sales makes me scared. Warren buffet always says be scared when others are greedy and be gr...
by ssquared87
Fri Jun 07, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Questions for account executives and sales people?
Replies: 17
Views: 1235

Re: Questions for account executives and sales people?

My role involves sales but it’s not a pure sales role. I don’t travel much out of my city nor do our dedicated sales people. We have sales execs in the cities we have offices and the sales execs are aligned to those cities so not much travel. I find the sales aspect of my position the most enjoyable...
by ssquared87
Fri Jun 07, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2532

Re: New Camry Questions

I find the rear-backup-camera (which, again, I don't have in my car, but have used in rentals) to be even more useful than BSM. It's very handy all the time in parking lots. Do try to get that if you can. The backup cams are great, especially the ones supplemented with 360 degree radar and guidelin...
by ssquared87
Fri Jun 07, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2532

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car in the mirror. This is not correct. If you adjust properly there will be no blind spots on ...
by ssquared87
Fri Jun 07, 2019 1:47 pm
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2532

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car in the mirror. This is not correct. If you adjust properly there will be no blind spots on ...
by ssquared87
Fri Jun 07, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2532

Re: New Camry Questions

Blind spot monitoring is completely useless if you adjust your mirrors properly. Most Americans are not taught the proper way to adjust mirrors...for some reason they think you should see the rear of the car. This is not correct. AAA has a guide that describes how to properly set mirrors: https://se...
by ssquared87
Fri Jun 07, 2019 5:11 am
Forum: Personal Consumer Issues
Topic: New Camry Questions
Replies: 54
Views: 2532

Re: New Camry Questions

The best option you can go for is to get an accord or Mazda 6 instead. Both of those vehicles have better interior design, better interior quality, better ergonomics, better refinement, better suspensions, better performance, better handling, better exterior styling, less road noise. They’re so clos...
by ssquared87
Wed Jun 05, 2019 11:04 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7688

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

Mostly I buy everything new, but I’d certainly rather have a higher quality used item than something that’s new and not as good. Here are some times I’ve gone that route. I’ve been extremely happy with all of these choices and glad I didn’t go with the new but inferior alternative. 1. Used Panasonic...
by ssquared87
Wed Jun 05, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Paying half of my paycheck on health insurance?
Replies: 63
Views: 4453

Re: Paying half of my paycheck on health insurance?

That doesn't seem too far out of line. As an individual, I pay $41 a month for healthcare and my employer pays $420 for a total of $440 a month. This is for a high deductible plan (although my deductible isn't high at all by market standards, I have a $1.5k in network deductible while most high dedu...
by ssquared87
Wed Jun 05, 2019 1:09 am
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4230

Re: Thinking of leasing bmw 3 series

My 2009 535i with 162,000 miles on it (purchased brand new; ordered it): 4 high pressure fuel pumps 2 fuel pumps 2 turbo waste gates 1 water pump 2 batteries 1 transmission 1 set of fuel injectors 1 set of ignition coils 2 sets of spark plugs 4? sets of brake rotors This just can NOT be real! For a...
by ssquared87
Fri May 24, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6108

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

That Sonata with Blizzaks is unbelievable. I used to think my car was "good" in snow because it was heavy, but the snow tires make a world of difference. The cornering and stopping ability is vastly improved, and I think people overlook that somehow when considering what AWD does... Yet, they'll sp...
by ssquared87
Thu May 23, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6108

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

It won’t, as you note, have the best winter handling, but the new Prius is available with AWD and it totally dominates on all your other criteria. Prius dominates reliability and MPG. I've have two hybrids, a Prius and a Ford Escape. I'll never own another hybrid again for the simple reason that th...
by ssquared87
Wed May 22, 2019 6:24 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6108

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

AWD is useless without winter tires. FWD with winter tires should be sufficient. It will provide better acceleration, handling and stopping than AWD with all season tires :shock: You must not live where you get 8,10, 12, 16" of snow in one shot. FWD with snow tires would go nowhere. Nowhere fast. T...
by ssquared87
Wed May 22, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6108

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

AWD is useless without winter tires.

FWD with winter tires should be sufficient. It will provide better acceleration, handling and stopping than AWD with all season tires
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: 6016

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: 82
Views: 6865

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 Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 7138

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: 82
Views: 6865

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: 1833

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: 6016

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: 6016

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: 82
Views: 6865

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: 41
Views: 3213

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: 3088

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: 41
Views: 3213

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: 37
Views: 2969

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: 41
Views: 3213

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: 2147

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: 1517

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: 3742

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: 5607

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: 2078

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: 5101

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: 5607

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...