Search found 1651 matches

by surfstar
Sun Aug 18, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 78
Views: 4506

Re: Moving from Bay area, CA to Knoxville, TN

Call the financials a wash. Would you rather live and raise a family in the Bay Area of California, or in Knoxville TN? If you don't need access to the ocean or mountains (Tahoe, Yosemite, etc) and are okay with warmer, muggy weather, make the move. Also consider "culture" - people, politics, etc. W...
by surfstar
Sun Aug 18, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 70
Views: 6822

Re: Anyone retire in their 30s?

This place is extremely conservative it seems, financially. But I was curious if anyone had just called it quits from the corporate grind much younger than normal? In my 20s, I was very motivated and engaged to learn as much as I could at my career. Now, moving into management the environment has b...
by surfstar
Sat Aug 17, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 125
Views: 8180

Re: Aliens have captured my husband [wants to buy a Porsche]

Sounds like you can easily afford it, so its a question of whether to spend the money on yourselves or heirs or charity.

Its a want, not a need, but if it makes you happy(er) - might as well enjoy it while you can. Can't take it [ :moneybag ] with you. :sharebeer
by surfstar
Fri Aug 16, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 78
Views: 4412

Re: How to define "HCOL" (high cost of living) areas?

According to the cite provided by H-Town, here are the top 20 cost of living areas in the U.S.... 1. Palo Alto, California 2. Mountain View, California 3. New York City, New York 4. San Francisco, California 5. Honolulu, Hawaii 6. Oakland, California 7. San Jose, California 8. Boston, Massachusetts...
by surfstar
Fri Aug 16, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Back House Rental Mail & Packages Questions
Replies: 5
Views: 477

Re: Back House Rental Mail & Packages Questions

Have them put "back" or "rear" unit in their mailing address, line two.

I used to live at a multi-unit place, front detached unit was 1234 State St. Rear apts were 1234 State St A,B, etc.
I would list my address as 1234 State St, Front and that cleared it up for the delivery people.
by surfstar
Fri Aug 16, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance car as layer of emergency funding?
Replies: 33
Views: 1923

Re: Refinance car as layer of emergency funding?

You have a Roth? In a true emergency that and credit cards, can be used for funds. If the rate on your car is already low, don't refi it.
by surfstar
Thu Aug 15, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 70
Views: 4811

Re: When to move into retirement

My question is, with the current uncertainty in the world (insert latest headline here) You could ask the same question / make the same statement for any year over the last many, many years. Especially with "24-hour" news. Retire when you're ready, when you want to, and are certain enough that you ...
by surfstar
Thu Aug 08, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11678
Views: 2011322

Re: U.S. stocks in free fall

Riddle: How many times does a dead-cat bounce? :twisted: (full disclosure: we'd prefer mortgage rates to drop a bit more for a refi, a correction/recession cycle to get out of the way now, letting us buy more while low-priced, and have a nice run-up for retirement in 7-12 years. Wonder if any of tho...
by surfstar
Thu Aug 08, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Books on gaining control of your mind/behavior
Replies: 24
Views: 2031

Re: Books on gaining control of your mind/behavior

RollTide31457 wrote:
Wed Aug 07, 2019 9:22 am
50/50 wrote:
Tue Aug 06, 2019 3:38 pm
The Holy Bible works for me.
This is the correct answer.
Agreed. The Bible works well to control minds.
by surfstar
Thu Aug 08, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3650

Re: New family car and safety considerations

I haven’t purchased a new vehicle in 15 years, but I do not consider “vehicle safety” for a split second. This is America, not China or India - any vehicle will be “safe” enough if operated properly. The fewer sensors and automatic controls the better. That's a distorted way of looking at it. Vehic...
by surfstar
Mon Aug 05, 2019 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is any AA better than cash in the bank?
Replies: 11
Views: 1156

Re: Is any AA better than cash in the bank?

No. Money in the bank is taxed at your highest marginal tax rate.

Money in your 401k is tax deferred at your highest marginal tax rate, and may be used in retirement at a likely lower tax rate.

1. Establish an emergency fund.
2. Invest in your 401k, as much as you can.
by surfstar
Mon Aug 05, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: How does Section 8 Housing work?
Replies: 13
Views: 1430

Re: How does Section 8 Housing work?

My understanding is that Landlords who elect to accept Section 8 vouchers agree to collect fair market rent in two parts. The low income tenant pays a % of their income (maybe 30%) and the gov't pays the difference between fair market rent and the amount the tenant pays. Some of the challenges with...
by surfstar
Mon Aug 05, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7262

Re: Financial anxiety and next steps in relationship

Geez If you feel like this is the person you want to spend your life with, do it. If she (and you!) want kids, that should happen sooner than later. Finances will be fine. Would you be happier with more money and without her? Or would you be happier with less money, but with her and a family. That's...
by surfstar
Sun Aug 04, 2019 8:45 am
Forum: Personal Investments
Topic: Not sure I could FIRE...boredom might ensue...
Replies: 30
Views: 3875

Re: Not sure I could FIRE...boredom might ensue...

"Not sure I could FIRE...boredom might ensue..." us: "Not sure we could work for the rest of our lives...there are so many better things to do..." Seriously. FIRE is a Catch-22 for many (assuming self-earned). To become that successful, it usually requires a certain amount of work/drive/initiative/e...
by surfstar
Sat Aug 03, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Help me choose my next Boglecar!
Replies: 52
Views: 3165

Re: Help me choose my next Boglecar!

2019 VW Sportwagen / 4motion / Alltrack Last year offered. The 1.4T version of the Sportwagen will get great MPG, the 4motion and Alltrack have AWD and 1.8T engine = less MPG, if AWD needed. They hold as much cargo as a CX-5, a little less than a CRV/RAV4 and less than a Forester/Outback. Add an eas...
by surfstar
Fri Aug 02, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: 'Gas Card' for teen - best option?
Replies: 29
Views: 1394

Re: 'Gas Card' for teen - best option?

With fraud these days - isn't a credit card a better option? Is it possible to open a low limit credit card with parent / teen? Maybe it is. We actually have several cards we don't use (eg. Amex, CapOne), I suppose I could him on one of those. I know the Amex just reduced our limit because we haven...
by surfstar
Fri Aug 02, 2019 4:04 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11678
Views: 2011322

Re: U.S. stocks in free fall

Stinky wrote:
Fri Aug 02, 2019 10:20 am
TaxingAccount wrote:
Fri Aug 02, 2019 10:08 am
just sold everything
Are you really a Boglehead?
I'm guessing no...
viewtopic.php?f=10&t=285484&p=4638622#p4638622
viewtopic.php?f=10&t=80065&p=4625972#p4625972
by surfstar
Wed Jul 31, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11678
Views: 2011322

Re: U.S. stocks in free fall

H-Town wrote:
Wed Jul 31, 2019 2:11 pm
DanMahowny wrote:
Wed Jul 31, 2019 1:54 pm
Powell speaks, market plummets, for now.

this thread has been quiet for some time . . . . .
free falling...
already bouncing

LOL
by surfstar
Wed Jul 31, 2019 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Sell paid off house, invest proceeds and rent
Replies: 47
Views: 3683

Re: Sell paid off house, invest proceeds and rent

Get a roommate - invest the rental income. Rent out house, live somewhere with lessor monthly cost, invest the difference. etc Many options. Housing is something that comes with many personal preferences, much more so than simple economics. We love having a driveway to park in, right next to our sto...
by surfstar
Wed Jul 24, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle Safety Ratings
Replies: 11
Views: 761

Re: Vehicle Safety Ratings

First child + lexus = :oops:

Assume a kid(s) will destroy the car interior. Buy a cheaper, 5 star rated vehicle and sleep better.

my $.02 (apologies if not asked for)
by surfstar
Tue Jul 23, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bigger house?
Replies: 43
Views: 3258

Re: Bigger house?

What would you do? Well, you asked... We'd have already been retired, then either home-school, boarding school (we get to travel for months!), or a combination of that for raising the kid(s). Travel, adventure, show them the world. That sort of stuff. But, a 1.6m house + Nanny sounds fitting (priva...
by surfstar
Mon Jul 22, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Creative, "outside the box" to lower auto expenses?
Replies: 63
Views: 3476

Re: Creative, "outside the box" to lower auto expenses?

I wonder if there might be some, not before posted here, "creative" and/or "outside the box" ways of lowering the total costs of driving? I cannot think of any that have not already been widely discussed here. I'm interested in hearing others' thoughts on this. I think the first step is to track al...
by surfstar
Fri Jul 19, 2019 9:38 am
Forum: Personal Investments
Topic: Etrade denies promotion on $1 mil new account
Replies: 65
Views: 7467

Re: Etrade denies promotion on $1 mil new account

Credit Card signup bonus may work the same way. Either you need to use an email link, promo code, or specific site/url when applying, or you might not be actually signed up for the bonus. Usually no way to know either, unless you call/email a CC rep to be sure. I'd ask them to try and keep a custome...
by surfstar
Fri Jul 19, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8157

Re: Do you buy cellphone outright or pay over 2 years?

outright

99% of the population doesn't need or use the "advantages" of a $700+ phone anyways, and they would be much better off buying a sub $200 phone that does 95% of the job of the "flagship" phones.

But consumers are easily swayed and/or vain. :oops:
by surfstar
Wed Jul 17, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4235

Re: New Subaru Outback Engine Offering for 2020

Pricing has just been released for the '20 model: https://www.autoblog.com/2019/07/16/2020-subaru-outback-legacy-pricing-announced/ Basically it will cost more to get the turbo, compared to the six-cylinder before (holding trim levels comparable). ...aaaaand we're out. $36k for a turbo - no thanks....
by surfstar
Tue Jul 16, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: New family car and safety considerations
Replies: 61
Views: 3650

Re: New family car and safety considerations

I agree, the Rav4 with a large (18cuft) rooftop box would be the minimal size likely needed for a family camping trip, with efficient packing. The CX5 is simply too small. Our "compact" VW Golf Sportwagen has 10% more cargo space than a CX5, cost less, gets better mpg and is more fun to drive. We st...
by surfstar
Tue Jul 16, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 4235

Re: New Subaru Outback Engine Offering for 2020

If we buy an Outback it would definitely be with the turbo engine. They're great at elevation, provide low-end torque, yet are efficient on the freeway when cruising. It will now also be rated to tow 3500 lbs vs 2700 lbs with the 3.6R. Our VW 1.8T routinely exceeds the EPA hwy estimate and has for o...
by surfstar
Sun Jul 14, 2019 1:37 pm
Forum: Investing - Theory, News & General
Topic: Nuanced Benefit of delaying claiming of SSA Benefits
Replies: 21
Views: 2149

Re: Nuanced Benefit of delaying claiming of SSA Benefits

What if at age 67, the market drops and instead of delaying SS, you take it immediately in order to use less of your portfolio which recently took a hit? You've now been able to sell less of your portfolio at a lower price, while allowing it to hopefully rebound. Does this possibility of dealing wit...
by surfstar
Sat Jul 13, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Why mutual funds are more dangerous than ETFs
Replies: 32
Views: 3650

Re: Why mutual funds are more dangerous than ETFs

If you're not buying/selling your fund daily, does it make a difference? Wouldn't any errors be smoothed out over time?

I see it not affecting a buy and hold boglehead
by surfstar
Thu Jul 11, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 8966

Re: Who cuts your hair? And for how much?

I do - $0 (already have razors, etc for shaving my face)

Prior to ~2010... cheap, chain barbers. Figure less than $20 with tip and 2-4 times per year.
by surfstar
Tue Jul 09, 2019 4:34 pm
Forum: Personal Investments
Topic: paper gold or physical gold?
Replies: 37
Views: 2340

Re: paper gold or physical gold?

Is there a golf ETF backed by Bitcoins yet? :D

I don't get it - do you really foresee trading physical pieces of gold for food/fuel/etc in the future?
I say if you're worried about a global banking collapse, buy guns and ammo.
And dehydrated food.
by surfstar
Tue Jul 09, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: Storm damage on a wharf not covered by home insurance!
Replies: 11
Views: 1125

Re: Storm damage on a wharf not covered by home insurance!

Agreed on seeking an appeal. If the "ice" and not the "storm" caused the damage, is it covered? Etc... exhaust your options first. Good luck!
by surfstar
Wed Jul 03, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 47
Views: 11710

Re: Doubling Your Money

rrouse wrote:
Sun May 13, 2018 10:58 am
What is a reasonable expectation or rule of thumb for doubling (in real terms) your stock market holdings, assuming you reinvest dividends?
Is this a riddle? I know, I know...

Hope for a stock split. Your "holdings" just doubled!

What do I win?
by surfstar
Wed Jul 03, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5249

Re: 2019 Subaru Forester Eyesight System?

Again, if driving "engagement" and enough cargo space for dogs are the main requirements... GET A STATION WAGON!!! CUV/SUV/CrossOvers are just lifted wagons that are bigger, heavier, more expensive, etc - generally all the negatives for someone who cars about vehicle driving dynamics. *Bonus, the "l...
by surfstar
Wed Jul 03, 2019 9:48 am
Forum: Personal Investments
Topic: Teacher Looking To Stop 403b Contributions
Replies: 46
Views: 2958

Re: Teacher Looking To Stop 403b Contributions

Take a look at an article just written by Keith at the Wealthy Accountant. He has an interesting observation on retirement accounts like the ones you mentioned. Keith from The Wealthy Accountant has an interesting observation, it's worth reading. No. Its wrong. I just read it and skimmed the commen...
by surfstar
Wed Jul 03, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Staying the course is so hard (support thread)
Replies: 110
Views: 11178

Re: Staying the course is so hard (support thread)

I'd sell the 2,400-sf house and buy a 1,200-sf house and try to retire in eight years. My daughter just finished her first year of college and has spent exactly three nights with us this summer. Honestly, I thought about this. The rental house I almost bought was like 1600 sqft, all new, beautiful,...
by surfstar
Tue Jul 02, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 5249

Re: 2019 Subaru Forester Eyesight System?

2019 Golf Sportwagen Get the S model, without all the extra safety features, with a 6sp stick shift. As much cargo room as the Mazda CX-5 and more entertaining to drive than anything on your list. Also frugal, with a lower base price, 1.4T that gets great gas mileage, etc. Can be bought for under $2...
by surfstar
Tue Jul 02, 2019 3:03 pm
Forum: Personal Investments
Topic: Teacher Looking To Stop 403b Contributions
Replies: 46
Views: 2958

Re: Teacher Looking To Stop 403b Contributions

What kind of financial advisor tells you to pay more in taxes (brokerage vs 403b)?
by surfstar
Tue Jul 02, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: HCOL vs LCOL Dilemma
Replies: 96
Views: 4996

Re: HCOL vs LCOL Dilemma

The finances work out to possibly be a wash, at least with all the current variables thrown in. Would you rather live in SoCal (which part? Its huge) or Dallas? Unless we were guaranteed a FIRE early retirement in 2-3 years (like age 41), we would not leave CA. But we like the climate, the beaches, ...
by surfstar
Tue Jul 02, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I have saved for retirement by age 40?
Replies: 111
Views: 18141

Re: How much should I have saved for retirement by age 40?

It's completely individual! Successful (future) retirees may have $1M by age 40 while others may have just $100k.. Exactly this!!! I had about 100k at 40. I am on track to successfully retire at 57. I have never earned over 100k, so what I need is not going to be the same as someone who earned and ...
by surfstar
Mon Jul 01, 2019 6:53 pm
Forum: Investing - Theory, News & General
Topic: Hussman predictions..
Replies: 17
Views: 2086

Re: Hussman predictions..

gram wrote:
Tue Mar 12, 2019 1:04 pm
Any opinions?
What is your opinion now, based on the replies?
by surfstar
Fri Jun 28, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: [my] real world vehicle TCO (total cost of ownership)
Replies: 7
Views: 715

Re: [my] real world vehicle TCO (total cost of ownership)

What kind of insurance coverage do you have? Do you decrease coverage as the vehicle gets older/less value? If you keep level of coverage the same, do your premiums decrease as the value of your vehicle decreases? Pretty standard coverage, I'd say - middle of the road (without pulling the specific ...
by surfstar
Fri Jun 28, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: [my] real world vehicle TCO (total cost of ownership)
Replies: 7
Views: 715

Re: [my] real world vehicle TCO (total cost of ownership)

Chip, I remember those threads - thanks for bringing them back up. I never did have the data to properly analyze, but my 2nd car was likely very low TCO - 1993 Mazda MX6 owned from 82k to 345k miles, over ~11 years. I did a rough guesstimate for my Saturn Vue TCO, and came up with ~ $337/mo or $0.25...
by surfstar
Fri Jun 28, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: [my] real world vehicle TCO (total cost of ownership)
Replies: 7
Views: 715

[my] real world vehicle TCO (total cost of ownership)

(If too long, see summary below) Back on March 6th of 2016, at the age of 35, I purchased my first ever truly new vehicle: a 2016 VW Golf Sportwagen . It had 11 miles on it when I test drove it - with shipping packaging/stickers still - I was likely the first customer to ever drive it. Prior to thi...
by surfstar
Wed Jun 26, 2019 5:19 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2079

Re: Individual Stocks .. talk me out of it

I see multiple sites offering subscriptions for a portfolio of stocks they pick. I have a 3 fund portfolio am I missing out on something? Do individual stocks give u a better return? They tout high rates of return Anyone? Thank u Tat How does your post above square with your post below?: https://ww...
by surfstar
Tue Jun 25, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 13398

Re: How did you lower your annual expenses?

Know the difference between NEED and WANT.

Although, after saying that, I believe I would have to state that we NEED to retire early :D It is definitely displacing spending on many WANTS.
by surfstar
Tue Jun 25, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Lease vs Buying a Car
Replies: 84
Views: 6068

Re: Lease vs Buying a Car

Can't "modify" a leased car. (well, you can, but you should remove/return it to OEM after, thereby doubling the install costs) and I don't mean lower/lift/performance type options We camp a lot, have lots of heavy climbing/camping gear in the car, so I added airlift coil helper springs (VW Golf Spor...
by surfstar
Thu Jun 20, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: My TERM life insurance policy
Replies: 10
Views: 1346

Re: My TERM life insurance policy

20 year term, $500,000
$495/yr, purchased at 36, great health

Had to list rock climbing and scuba diving, though. :D Those required extra questions. I don't think snowboarding made a difference.
by surfstar
Wed Jun 19, 2019 5:29 pm
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 93
Views: 8362

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

Dang - you guys sure sound like "go-getters"!!!

Our side hustle is more of a side relax or adventure. We enjoy our free time too much to try and spend ways filling it up with more work. No thanks.

Time > Money
by surfstar
Thu Jun 13, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 11500

Re: Retired at 35 and have no friends :(

backpacking/hiking surfing climbing diving snowboarding travel in general, beyond the above visiting farther away friends Those are all of the things that we do when we have time and generally don't cost much. We will pursue those hobbies full time in retirement, instead of part-time as they are now...