Search found 2084 matches

by surfstar
Thu May 21, 2020 7:02 pm
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1663

Re: Buying tires for 2017 Subaru Outback

I think our next vehicle is 90% likely to be an Outback. I think our replacement tires would be something like this: https://www.discounttire.com/buy-tires/falken-wildpeak-a-t-trail/p/80783 Falken Wildpeak A/T 65k mi tread warranty 3 peak snow rated A/T is heavier than I'd like*, but seems like a da...
by surfstar
Wed May 20, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Buying tires for 2017 Subaru Outback
Replies: 29
Views: 1663

Re: Buying tires for 2017 Subaru Outback

IMO, Discount/Americas Tire is awesome. Better deals than Costco, and will pricematch costco if not, plus allow you to use their store card for further rebate/discounts. OP - be sure to go online to see all of the current deals/rebates at DT/AT https://www.americastire.com/promotions They should hav...
by surfstar
Tue May 19, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Sources for N95 masks
Replies: 44
Views: 3437

Re: Sources for N95 masks

If I had to fly I would buy the seat next to mine to keep it empty and I'd bring enough extra disposable surgical masks with me that I could offer one to a nearby passenger who didn't have one and was willing to wear it. Those seem actionable. Does buying an extra seat with no one to check in for i...
by surfstar
Thu May 14, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10805

Re: Dentist charges $10 for PPE

4 pages on a $10 fee for PPE

Are we all out of problems? Maybe this is a positive economic indicator?
by surfstar
Wed May 13, 2020 4:03 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10805

Re: Dentist charges $10 for PPE

Why is it that every business that passes their higher costs down to the consumer is seen as reasonable practice as pong as they are not providing healthcare. For some reason they are expected to just eat it. It’s as if all healthcare professionals are villainous scum who don’t deserve equal treatm...
by surfstar
Wed May 13, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10805

Re: Dentist charges $10 for PPE

They are also spending more money on cleaning - paying janitors and/or having staff clean/disinfect more often, plus increased use of cleaning solution - all equals more overhead expense. Wait until you see the new prices for restaurants that can only seat 50% of capacity. Etc. Expenses go up, costs...
by surfstar
Wed May 13, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10805

Re: Dentist charges $10 for PPE

Jeez. I get being frugal, but $10 so that they can afford to properly protect the employees, which protects you, their families, the entire community... Pay the money or stay home and reschedule your appointment for when things are back to normal. Maybe 2022. (edit) OP seems to have plenty of money ...
by surfstar
Tue May 12, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18828
Views: 2631496

Re: U.S. stocks in free fall

Bitcoin correlated with equities; https://i.ibb.co/mDXCC9V/EXvgfwh-Wk-AEerxh.png Bitcoin peaked one month before the market top in Jan 2018, bottomed two weeks before the market bottomed in late Dec 2018, peaked three weeks before the market in Feb 2020, and bottomed three weeks before the market i...
by surfstar
Mon May 11, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: $5k - $7k to replace engine, or get something else? (loan on car)
Replies: 109
Views: 6638

Re: $5k - $7k to replace engine, or get something else? (loan on car)

Get a used engine from a salvage yard, there's independent shops that can do all of this for way less than $7k. I could see it being closer to $3k. I just did a brief search, I don't see a cracked block being a widespread issue on the Acura TL. Is there like a TSB or something? At 80k miles, Acura ...
by surfstar
Fri May 08, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 8275

Re: Percentage of savings to "prepping"?

I can't tell if this post is sarcastic or not. No, not sarcastic at all. I know one person that has spent his entire life, and every dime of discretionary income he has, buying certain items in preparation for something that will never happen in his lifetime. Now he's 70, with no retirement savings...
by surfstar
Thu May 07, 2020 12:44 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30589

Re: My theory about FIRE

And, that's why IBs are paid well because they eat, drink and breathe money. fatFire talks about money, the way an addict talks about getting their next fix. And they'll never have enough to satiate. It is somehow comforting to know that there are many people with tons of money that are less happy ...
by surfstar
Wed May 06, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30589

Re: My theory about FIRE

Note that pensions have drastically changed in recent years. In particular 2014+ hires are likely to have a much smaller multiplier and require an older age and/or more working years to retire. I have a great, local pension, with a 2011 start date. I currently contribute 11.5% of gross to my pensio...
by surfstar
Wed May 06, 2020 2:17 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30589

Re: My theory about FIRE

"The fact is that some majors and careers make more than others and it is far easier to become FI in them. It is relatively common for engineers and developers in their fifties to have $1M in their 401Ks. It is far less common for teachers." We know many couples in our area that are made up by both...
by surfstar
Tue May 05, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30589

Re: My theory about FIRE

For the past 45 days or so I have had very [ very ] little work but still have been getting paid. Today I did some lawn work and made a sandwich and a fancy iced coffee. What I learned is that I'll be fine in retirement and FIRE certainly doesn't mean "retiring and doing something else", at least n...
by surfstar
Mon May 04, 2020 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Decide on keeping/selling the house
Replies: 23
Views: 2532

Re: Decide on keeping/selling the house

You have to live somewhere. The transactional costs of buying and selling a house seem like the equivalent of a couple years worth of rent. While the saying "renting is throwing money away" is not really true, the cost of buying and selling a home is throwing money to someone else. I see a marginal ...
by surfstar
Sat May 02, 2020 2:00 pm
Forum: Personal Investments
Topic: [Cashed out in panic, how to get back in?]
Replies: 35
Views: 3871

Re: [Cashed out in panic, how to get back in?]

We have 2.3 mil, live in HOCL and own a home worth around 700k with no plans to move. No debt. Annual expenses ~120k. Just under 1 yr living expenses in cash~ 100k. Plan to take SS at 70 calculated at this point to be 87,612 annually. With a 2.3 million portfolio, once you make it to age 70 and get...
by surfstar
Sat May 02, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Do you keep moving your cash around chasing yield?
Replies: 56
Views: 5339

Re: Do you keep moving your cash around chasing yield?

2 years expenses + 5% -- that's a lot of cash. Catch 22. You will not notice the extra 1% return because you have more money than others who may chase yield. For some it is worth it. If I can make $300 by jumping through some hoops, I will. Even better when it can be $500 + $300 + ___ over the cours...
by surfstar
Thu Apr 30, 2020 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17357

Re: Quitting a job after two weeks: relocation expenses

Ah, The American Dream. Trade your life for money.
by surfstar
Wed Apr 29, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1121
Views: 97093

Re: Well, I am market timing due to coronavirus... Wish me luck.

backofbeyond wrote:
Wed Apr 29, 2020 12:41 pm
I've kept a fair amount of dry powder in case we go back down.
Where did the powder come from? Have you held a significant amount of cash over the last 10 or so years?
by surfstar
Sun Apr 26, 2020 6:28 pm
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 29
Views: 1445

Re: DIY Auto Detailing Products

I use the ONR for a "clay" lube for a nanosponge. I think that's a good compromise vs a clay bar - I just hit the horizontal panels (roof/hood mainly) prior to waxing. I use Collinite 845 for wax. From my research it was the best, longest lasting, economical, easiest to use, product for paint/finish...
by surfstar
Sun Apr 26, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: E-filed tax return still processing over 21 days later...
Replies: 7
Views: 649

Re: E-filed tax return still processing over 21 days later...

You are not alone. We e-filed 3/13 for CA and Fed, married filing separately DW received CA refund in less than two weeks all other refunds are "still processing" Annoying b/c we're getting a $4500 tax credit for a plug-in electric vehicle purchase, but softened by the fact that I received my COVID ...
by surfstar
Sun Apr 26, 2020 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase in this economic climate
Replies: 10
Views: 926

Re: Home purchase in this economic climate

Have them run the numbers: https://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html (edit - sorry the NYT calculator is now behind a paywall - never was before - I really liked this one) this could substitute: https://smartasset.com/mortgage/rent-vs-buy Maybe that will open their eye...
by surfstar
Thu Apr 23, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 3931

Re: Appropriate Term Life Terms - couple in 30s

We bought around ages 35/37, I think (DH/DW), a few years ago.

20 year
$500k ea
$500/yr ea, rough cost

Mortgage, no kids. Still have a mortgage and still have 0 kids. Would probably up it with children in the mix.
Ours included a higher premium due to SCUBA diving and rock climbing.
by surfstar
Thu Apr 23, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: Tire Mileage Warranty - what's it worth?
Replies: 24
Views: 1474

Re: Tire Mileage Warranty - what's it worth?

I have a similar tire (Kinergy PT) on my VW Sportwagen and think they're great. I likely have 90k warranty on my size/speed rating, and I used to use their previous version (H737) of these tires without issue. Bummer they didn't work out for you. Perhaps the PT is the sweet spot vs the GT model. I ...
by surfstar
Thu Apr 23, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Tire Mileage Warranty - what's it worth?
Replies: 24
Views: 1474

Re: Tire Mileage Warranty - what's it worth?

I have a similar tire (Kinergy PT) on my VW Sportwagen and think they're great. I likely have 90k warranty on my size/speed rating, and I used to use their previous version (H737) of these tires without issue. Bummer they didn't work out for you. Perhaps the PT is the sweet spot vs the GT model. I b...
by surfstar
Thu Apr 23, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Sidewalk situation
Replies: 33
Views: 2182

Re: Sidewalk situation

While we did all kinds of playing in the neighborhood growing up, I don't recall impacting others (except backyard noise during normal hours).

It is litter. Feel free to throw it away or move it to a more appropriate location. Best of luck, horrible time to have small, annoying disputes.
by surfstar
Wed Apr 22, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: Anybody here pay less than $40 a month for home internet and with what company?
Replies: 62
Views: 4238

Re: Anybody here pay less than $40 a month for home internet and with what company?

Cox, only with new customer pricing $40 for 50 mbps down - was 35, but they upped it with the COVID stuff. $65 after 12 month promo period, I think. They make it very hard to determine actual pricing. We usually call to threaten cancellation after the promo to try and get a discount. Two months ago ...
by surfstar
Wed Apr 22, 2020 10:55 am
Forum: Personal Investments
Topic: Your views on used car parts Industry
Replies: 31
Views: 1279

Re: Your views on used car parts Industry

Roll dice? Flip a coin?

Likely to serve as well as "research" when picking stocks.
by surfstar
Wed Apr 22, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Good gift card option, preferably without fees
Replies: 9
Views: 487

Re: Good gift card option, preferably without fees

Cash or check.

GC are annoyingly limiting for zero value (unless purchased at a significant discount).
by surfstar
Tue Apr 21, 2020 3:17 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 2937

Re: BMW X5 - advice on purchase

Don't buy. You'll be much happier if you lease. BMW leases are quite competitive. But if you think the lease prices are absurd, don't buy one because once the factory warranty expires, you'll be shocked by the repair bills. The all new X5s are nicer now and much smoother than the previous versions,...
by surfstar
Mon Apr 20, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6156

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

Prius Prime Eligible for $4500 Federal Tax Credit, plus State and utility credits. If applicable. If driving enough miles/year, Prius for economy. If size/comfort prioritized, Camry. If needing help sleeping and the Camry doesn't cut it, Corolla. Test drive them and see what works. Sounds like you j...
by surfstar
Mon Apr 20, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: BMW X5 - advice on purchase
Replies: 49
Views: 2937

Re: BMW X5 - advice on purchase

Much better vehicles can be had for less money, but I'm not into "luxury" cars, I guess. When you have to insure against maintenance costs (pre-paid maintenance plan and/or extended warranty) - perhaps that is a flag as to it not being a good purchase. I feel the same for most sports/luxury/rugged v...
by surfstar
Mon Apr 20, 2020 3:22 pm
Forum: Personal Investments
Topic: Auto 401k contributions
Replies: 11
Views: 457

Re: Auto 401k contributions

It is random. My current employer sends a physical check to the 457 administrators. The actual post/investment date varies. I have no idea why they would do this, but we are also finally moving away from paper timesheets, so... Previous employer (also local gov't) would send it electronically and it...
by surfstar
Fri Apr 17, 2020 11:10 pm
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8740

Re: Florida HOA complaining of Weeds in Lawn

I guess this is region dependent. A weed service in my area and climate is a big deal. It is a full time job and they do nothing else. TruGreen is a joke here (and would certainly get you fined by a busybody HOA). For a real lawn service, the first treatment is usually well in excess of a thousand ...
by surfstar
Wed Apr 15, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27202

Re: [Government stimulus payments]

I was getting annoyed that our Federal tax refunds were quite slow this year. We were getting a 'bonus' from buying a Prius Prime last Oct. But, I just received my stimulus payment and it was based on 2018 AGI and not 2019 (despite e-filing 2019 on 3/13/2020). That got us closer to the full $1200, w...
by surfstar
Tue Apr 14, 2020 11:32 pm
Forum: Personal Consumer Issues
Topic: Where have you eaten out recently?
Replies: 21
Views: 1290

Re: Where have you eaten out recently?

Dominos. Had to be nearby, close enough to lunch, so I went online to order a pickup. Turns out it was time for my free reward pizza! Score!!! I did splurge for pan ("deep dish"), so it was $1.50 + tax. Totally worth it. Two weeks ago we stopped by In-n-Out drive thru on the way back from a beach hi...
by surfstar
Tue Apr 14, 2020 2:56 pm
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 30589

Re: My theory about FIRE

Let me just start by saying that I have nothing against about FIRE. In fact, I think it’s great because it gets people moving in the right direction, instead of looking at a mountain of debt and a hopeless future. I think the idea of FIRE is misunderstood, specifically the retire part. Most people ...
by surfstar
Tue Apr 14, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Florida HOA complaining of Weeds in Lawn
Replies: 101
Views: 8740

Re: Florida HOA complaining of Weeds in Lawn

I would push back on them just to reinforce the point of how out of touch they are with priorities in this current environment.

Maybe passive aggressively ask them if HOA fees can be furloughed like rent and mortgage payments are, just to poke them a bit more :twisted:
by surfstar
Fri Apr 10, 2020 3:33 pm
Forum: Personal Investments
Topic: No Emergency Fund - Live paycheck 2 Paycheck
Replies: 23
Views: 2713

Re: No Emergency Fund - Live paycheck 2 Paycheck

and have 2.5 years of yearly expenses in Taxable brokerage
I don't think you know what "live paycheck 2 paycheck" means.
by surfstar
Thu Apr 09, 2020 11:06 am
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8469

Re: How do you maximize enjoyment after achieving FI?

I agree with helping others. We are not FI. Hint, hint. We would also have plenty of things to do once reaching FI (and the CV issue ending). Travel. Backpacking. SCUBA diving. Surfing. Climbing. Camping. Campervan. Etc, Etc. These are the things we do on weekends and holidays. They bring us joy and...
by surfstar
Wed Apr 08, 2020 5:38 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32141

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

Makaveli wrote:
Wed Apr 08, 2020 5:09 pm
KEotSK66 wrote:
Wed Apr 08, 2020 4:26 pm
initially the model predicted 2.5 million deaths, now 60k, and it might go lower
This is simply misleading.
and that is exactly how it will be used.
by surfstar
Wed Apr 08, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can't Get Mobile Deposit to Work - Capital One
Replies: 18
Views: 738

Re: Can't Get Mobile Deposit to Work - Capital One

I'm using Android 6 on Amazon Fire 7 tablet as I don't have a smartphone. I have the most recent version of the Capital One app and I even tried reinstalling it. It's probably because you're using a 5 year old version of Android on a $50 tablet. I think this is related to your device/OS, not Capita...
by surfstar
Wed Apr 08, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: Head Fakes and Dead Cats .. your thoughts on the rally?
Replies: 386
Views: 32141

Re: Head Fakes and Dead Cats .. your thoughts on the rally?

My thoughts on the rally - I'm not buying it* *except for routine 457 and TSP biweekly contributions ;) I do expect the markets to go down again, though. Sometime soon-ish? I just can't be assured that all is well and good. Unfortunately I'm not 100% sure on the dates and amounts. We are a bit overw...
by surfstar
Wed Apr 08, 2020 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6550

Re: GEICO 15% credit for auto/motorcycle renewal

DSInvestor wrote:
Tue Apr 07, 2020 10:41 pm
Mr.Wu wrote:
Tue Apr 07, 2020 10:39 pm
I literally just renewed yesterday.
Please let us know if they take care of you.
They'll probably catch the discount on 10/6/2020

A full 6-month discount time-frame should catch all policy renewals.
by surfstar
Wed Apr 08, 2020 12:53 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 14
Views: 8224

Re: Cox Retention Department

We ended up cancelling and "starting" up service under the opposite spouse's name to get the new customer rate. Kept all the equipment (own) and dropped from $84 to $40 for 12 months at a slightly slower speed (unnoticeable to us). Their lack of customer service and offers to keep existing customers...
by surfstar
Wed Apr 01, 2020 12:01 pm
Forum: Personal Investments
Topic: Worth Refinancing to hedge bets?
Replies: 9
Views: 620

Re: Worth Refinancing to hedge bets?

Job loss from CV would likely allow you to defer your mortgage payments. You have plenty of funds also, and could even pay it off outright.

You're overthinking this.
No need to mess with the mortgage for "what ifs".
by surfstar
Mon Mar 30, 2020 4:59 pm
Forum: Investing - Theory, News & General
Topic: CDs were my best investment last year
Replies: 5
Views: 644

Re: CDs were my best investment last year

I doubt that CDs outperformed the S&P500 for the period of 1/1/2019 - 12/31/2019
by surfstar
Mon Mar 30, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1476

Re: Security for unoccupied home.

This was one of my better home item purchases: https://www.honeywellstore.com/store/products/honeywell-econoswitch-programmable-light-switch-timer-white.htm It is a programmable timer switch that controls our porch/driveway lights. The best thing is that it automatically adjusts for sunrise/sunset t...
by surfstar
Mon Mar 30, 2020 2:11 pm
Forum: Investing - Theory, News & General
Topic: Help me understand this market--or How can S&P be 2600 today?
Replies: 109
Views: 9397

Re: Help me understand this market--or How can S&P be 2600 today?

surfstar wrote:
Mon Mar 30, 2020 12:56 pm
Also, don't forget: this month the real "pricing in" seems to happen in the last 30-60 mins... :P
...and up we go today for the finale