Search found 914 matches

by bubbadog
Sun Sep 20, 2020 5:58 am
Forum: Personal Consumer Issues
Topic: Which snow tires for serious snow commuting?
Replies: 29
Views: 1484

Re: Which snow tires for serious snow commuting?

My daughter has landed a ski resort job for the upcoming ski season in WA at a resort where the average annual snowfall is 460". She will most likely be commuting up there from one of the nearby mountain towns for a daily commute of 30-40 miles each way if she doesn't ride the employee shuttle. It'...
by bubbadog
Thu Sep 10, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy a $3M+ house with parental help?
Replies: 167
Views: 11487

Re: Should we buy a $3M+ house with parental help?

If anyone wanted to gift me 1-1.5 million dollars, I wouldn't turn them down.
by bubbadog
Thu Sep 10, 2020 9:58 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 71
Views: 4231

Re: Repair plasma television or get new TV?

I wish I had never downgraded my plasma.... I still have it in another room and it's FAR better than the OLED. Your never going to repair it but don't expect a better picture from OLED. With respect, because I loved my plasma screens also, but I think you posted with your heart rather than your eye...
by bubbadog
Wed Sep 09, 2020 11:58 am
Forum: Personal Investments
Topic: Age vs retirement year
Replies: 27
Views: 4601

Re: Age vs retirement year

I am 54 and currently at 65/35 (stocks/bonds). Plan to probably go to 60/40 by retirement in about 6 years.
by bubbadog
Sat Sep 05, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Durable Couch Recommendations
Replies: 13
Views: 1140

Re: Durable Couch Recommendations

climber2020 wrote: Sat Sep 05, 2020 12:09 pm Second the recommendation for Flexsteel. It's the best couch I've ever owned and wasn't that expensive for the quality.
Third! :sharebeer
by bubbadog
Mon Aug 31, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1882
Views: 460172

Re: Share your net worth progression

I am curious to know how the bogleheads got wealthy, what was your salary + savings rate at your early age. For me, had $3,000 or so at 18 (working various jobs) saved up $30,000 at 23 (again various jobs and parents paid tuition) This is when I purchased my first stock (JNJ at $54) Currently: $100...
by bubbadog
Sat Aug 29, 2020 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: ‘Play money’ invested by Dad growing huge - what would you do?
Replies: 99
Views: 13097

Re: ‘Play money’ invested by Dad growing huge - what would you do?

I originally had a UTMA from my parents, which has morphed into an investment account which I let my dad invest in any way he sees fit. It is mostly individual stocks and has see-sawed way up and down over the past 20 years. I have always left this account alone and treated it as ‘play money’, not ...
by bubbadog
Wed Aug 26, 2020 6:46 pm
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10156

Re: A Beater Truck and a FAT 401k...

I’m driving a 2004 Tundra with 107,000 miles. Actually going in for timing belt/ water pump tomorrow . Trying to get another 100,000 out of her. I live in a very HCOL area, so owning here may never be a option. Driving this Tundra into the ground is gonna free up lots of investing capital for me in...
by bubbadog
Mon Aug 24, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Which 3 row luxury SUV?
Replies: 70
Views: 5020

Re: Which 3 row luxury SUV?

You left off Toyota Landcruiser...the best of the lot..built like a brick and every part is engineered to last 25 years..What else do you need? While yes, the Landcruiser will outlast all the vehicles in the first post, most people don't need a car to last 25 years. Most people with the means to sp...
by bubbadog
Sat Aug 22, 2020 8:03 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 16822

Re: Advice to a Millennial about nest egg "Critical Mass"

Level 1 critical mass = your annual gains exceed your annual contributions

Level 2 critical mass = your annual gains exceed your annual gross income
by bubbadog
Wed Aug 19, 2020 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Is it time to drop disability insurance?
Replies: 13
Views: 1075

Re: Is it time to drop disability insurance?

I can’t imagine dropping a DI policy as a doctor until COVID is over at the very least. Keep it and reevaluate later. You can also reduce the amount or benefit period, or increase the elimination period to reduce the cost. I am a 53 year old physician and I dropped my 24 year old disability policy ...
by bubbadog
Fri Aug 14, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Outdoor Winter Car Storage Advice Please
Replies: 14
Views: 826

Re: Outdoor Winter Car Storage Advice Please

TomatoTomahto wrote: Fri Aug 14, 2020 12:04 pm No personal experience, but I’ve heard good reports on mothballs to deter mice.
I have been using Bounce dryer sheets with good results. They also smell a whole lot better than mothballs.
by bubbadog
Tue Aug 11, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Acura MDX and oil dilution issues?
Replies: 7
Views: 699

Re: Acura MDX and oil dilution issues?

I am considering an Acura MDX. All of the posts about oil dilution in the Hondas have me concerned. Is this also an issue for the MDX? If so, is there a older model that does t have the issue? For example if I bought a 2018 would it be ok? Thanks very much. The 3.5l naturally aspirated engine in th...
by bubbadog
Mon Aug 10, 2020 4:26 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5713

Re: What price range for Daughter's first car?

I think she will want and likely buy something for more than $15,000. I don't see anything wrong with a new grad making 80K/year buying a new, modern, safe,and reliable vehicle. Especially if she has little to no student debt. Sure, she could get by with a cheaper vehicle. I really don't see getting...
by bubbadog
Sat Aug 08, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: New hybrid SUV? Talk me into/out of it
Replies: 33
Views: 2558

Re: New hybrid SUV? Talk me into/out of it

For RAV-4 the different between standard and hybrid versions is only $1000. I would go with Hybrid without second thought. My understanding is that the real world "out the door" cost of the two is greater than the difference in their respective MSRPs. The hybrid version is very popular and discount...
by bubbadog
Sat Aug 08, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: New hybrid SUV? Talk me into/out of it
Replies: 33
Views: 2558

Re: New hybrid SUV? Talk me into/out of it

Seems reasonable to me to replace a 16 year old car with a new one. The hybrid RAV4 is a well regarded choice. You might want to research the gas tank issue with the RAV4 Hybrid. Apparently the design of the fuel tank makes it difficult to fill. If that is not a big issue to you, you seem to be in g...
by bubbadog
Thu Jul 30, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3354

Re: Toyota RAV4 Gas vs Hybrid?

Regarding hybrid versus gas only RAV4s, the dealers around me were asking and apparently getting MSRP for the hybrids RAV4s. They are a very popular vehicle. Discounts were much more common on the gas only versions. From a purely financial perspective, the OTD price difference between the gas only a...
by bubbadog
Sun Jul 05, 2020 2:24 pm
Forum: Personal Consumer Issues
Topic: Boglehead Way to buy an Audi
Replies: 91
Views: 5837

Re: Boglehead Way to buy an Audi

Barely over half price for a 4 year old car seems very compelling. I've been looking at 1-2 year old cars (not Audi though), under 30k miles, at more than 40% off actual selling price (not MSRP) of new. I would not consider 50% for 4 years old unless I knew the background of the owner and vehicle, ...
by bubbadog
Sun Jun 28, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: Pilot, Highlander or CX-9
Replies: 64
Views: 5980

Re: Pilot, Highlander or CX-9

sambb wrote: Sun Jun 28, 2020 3:28 pm does the cx9 have the blind spot monitor in the head up display in the 2019 model?
My wife has a 2016 (current generation) Mazda CX-9.

She said the blind spot monitor does show up in her heads up display.
by bubbadog
Wed Jun 24, 2020 5:33 am
Forum: Personal Consumer Issues
Topic: New 4K TV: LED, QLED or OLED?
Replies: 113
Views: 5983

Re: New 4K TV: LED, QLED or OLED?

If you like the picture quality of your old plasma, an OLED is the most obvious solution.

LG and Sony are your choices.

A Samsung QLED is basically a high end LED TV.
by bubbadog
Thu Jun 18, 2020 10:27 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5203

Re: Old Cars & the expenses that go with them

With cars, homes, and many other things, market value <> personal utility. If a $2k market value car is my means of transportation, I'd spend $2k to fix it if it was otherwise in decent shape, because I can't buy a decent used car for $2k. That's my line of thinking as well. As the OP, I'll share w...
by bubbadog
Thu Jun 18, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: Old Cars & the expenses that go with them
Replies: 69
Views: 5203

Re: Old Cars & the expenses that go with them

I drive a 2001 Toyota Tundra with 216,000 miles. It has generally been a very reliable vehicle. I have had mostly normal wear and tear and maintenance costs. My reason for not replacing it with a newer vehicle has to do with the size of new "full size" trucks. They are too big for me and the "mid si...
by bubbadog
Mon Jun 08, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25785

Re: What fun car should I get in the $150k - $200k range?

OP, If you are considering a new NSX, I would recommend you consider a barely used one. The 2017s (first year of the new design) will be coming off lease this fall. Right now, garage queen examples with low mileage are selling in the 110-125k range. These cars had MSRPs of 156k-206k when new. A lot ...
by bubbadog
Sat Jun 06, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: What fun car should I get in the $150k - $200k range?
Replies: 448
Views: 25785

Re: What fun car should I get in the $150k - $200k range?

A first generation NSX (1991-2005) might fit the bill.

I owned a 2005 and it was gorgeous to look at, drove nice, and fairly inexpensive to maintain.

When I was ready to move on to something else, I also sold it for significantly more than I paid.

Just an idea :beer
by bubbadog
Tue Jun 02, 2020 4:18 pm
Forum: Personal Consumer Issues
Topic: When should I get a wheel alignment?
Replies: 42
Views: 2598

Re: When should I get a wheel alignment?

An alignment is usually recommended when you purchase new tires.
Did they recommend it?
by bubbadog
Tue May 19, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 86
Views: 6431

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

How are you going to use the truck? Significant towing or other heavy use? It’s a want not a need. It would rarely be for truck purposes - ie - buy stuff from home depot for diy projects. Toss bikes in bed to go ride w kids (already have a hitch bike carrier for the subaru). No towing (unless one d...
by bubbadog
Sun May 17, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1307

Re: Sump Pump Dual System

Re the battery discussion - the Walmart deep cycle was a good deal for me. They run sub-$100, avoid crazy shipping costs vs online orders (lead is heavy!), and seem to last as long as other brands (especially sitting still, at a stable temp, on a charger.) Plus, I found that Walmart would give me m...
by bubbadog
Sun May 17, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Sump Pump Dual System
Replies: 28
Views: 1307

Re: Sump Pump Dual System

I have the exact model you are considering. I installed it last year and it appears well made and I really like the LCD battery charger. It definitely costs more than some of the "basement watchdog" type units that are sold @ Home Depot and Lowes. To me, it was money well spent. You also need to fig...
by bubbadog
Sat May 16, 2020 9:20 am
Forum: Personal Investments
Topic: Please tell me I'm not crazy [Best way to manage an EF?]
Replies: 171
Views: 10816

Re: Please tell me I'm not crazy

With approximately 10 months of living expenses at your disposal, you are probably in better shape than 90% of the US. Congrats on that account! In a COVID-19 world, I would not be comfortable with a 4 month cash/6 month VTSAX taxable account as my backstop. If you had a taxable account that could s...
by bubbadog
Wed Apr 29, 2020 4:24 pm
Forum: Investing - Theory, News & General
Topic: If you believing in Timing the market, Would you reduce equity allocation now?
Replies: 110
Views: 8048

Re: If you believing in Timing the market, Would you reduce equity allocation now?

Bogleheads market time, apparently. That's all 'rebalancing' is This is incorrect. Rebalancing is keeping your risk profile the same. It's reacting to what has already happened, not to what you think will happen in the future. If I'm 50/50 and stocks go up, and I find myself at 60/40, I sell stocks...
by bubbadog
Thu Apr 23, 2020 10:07 am
Forum: Investing - Theory, News & General
Topic: Who has changed FROM the 3 Fund Portfolio?
Replies: 28
Views: 2266

Re: Who has changed FROM the 3 Fund Portfolio?

For multiple reasons, simplicity being a big one, two years ago I changed from the three fund portfolio to the two fund portfolio. I have been at a 3 fund portfolio for several years. It has actually been more like a 2.5 fund portfolio since I don't have much in international compared with total st...
by bubbadog
Mon Apr 06, 2020 11:42 pm
Forum: Personal Investments
Topic: Best TLH partner for Total Stock Market (VTSAX)?
Replies: 26
Views: 3280

Re: Best TLH partner for Total Stock Market (VTSAX)?

I use VFIAX as my TLH buddy for VTSAX 8-)
by bubbadog
Wed Apr 01, 2020 5:48 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55355

Re: How Is Your Job Being Impacted By The Current Crisis?

Physician looking at a 30% pay cut for the foreseeable future. My office appointments have dropped off considerably and most of those have, when possible, been changed to virtual visits. I work for the largest health care system in my state and this is effecting nearly all of the non ER/ICU docs. I ...
by bubbadog
Wed Apr 01, 2020 10:14 am
Forum: Investing - Theory, News & General
Topic: What is your age/AA during this crisis?
Replies: 138
Views: 6707

Re: What is your age/AA during this crisis?

Age : 53
AA : 65/35
Same as before COVID-19
by bubbadog
Tue Mar 31, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Investments you wouldn't touch with a 10 foot pole
Replies: 110
Views: 9436

Re: Investments you wouldn't touch with a 10 foot pole

Poorman wrote: Mon Mar 30, 2020 8:54 pmBitcoin
+1
by bubbadog
Sun Mar 15, 2020 8:51 am
Forum: Personal Consumer Issues
Topic: Should I purchase a projector or big screen TV?
Replies: 13
Views: 707

Re: Should I purchase a projector or big screen TV?

If you decide to go with the projector route, projectorcentral.com is a great resource.
by bubbadog
Sat Feb 29, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2514

Re: TV recommendations?

Watty wrote: Fri Feb 28, 2020 10:41 pm
bonglehead wrote: Fri Feb 28, 2020 6:09 pm Any recommendations on what and where to buy?
Check out Greentoe.

I purchased my LG C8 77 inch OLED from them at a substantial discount from my local Best Buy.
by bubbadog
Fri Feb 28, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: TV recommendations?
Replies: 37
Views: 2514

Re: TV recommendations?

LG and Sony OLED TVs are the current best TVs money can buy.

I have the LG OLED and I love it.

If you liked the picture quality of your plasmas, you'll love OLED.
by bubbadog
Thu Feb 27, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: Pulling Car Dents
Replies: 5
Views: 574

Re: Pulling Car Dents

My wife picked up a new car today and when she got home, noticed two small dings on the passenger side of the vehicle. :annoyed I guess the different light in the garage made them visible to her. I've reached out to the dealer but I imagine I have no recourse now that the car has left the lot and s...
by bubbadog
Wed Feb 19, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Buying High Mileage Truck to Haul Mountain Bikes
Replies: 26
Views: 2218

Re: Buying High Mileage Truck to Haul Mountain Bikes

Has anyone bought a high mileage truck for light hauling? We're looking at a 2007 Dodge Ram Quad Cab 1500 2 WD with 200,000 miles on it for around $4,000. It's been very well taken care of. The truck would be our easy solution to haul 5 mountain bikes to the trail heads around town. We're a family ...
by bubbadog
Sun Feb 16, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9611

Re: I'm 40 and when do I retire? first world problem?

What would a lifetime annuity of $9,000/year starting in two years at age 42 cost? Isn't that what you would be giving up by leaving now versus in two years? Unless I really hated my job, that would be hard for me to walk away from. Wow, that looks like it would cost about $210,000 for the $750 a m...
by bubbadog
Sun Feb 16, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: I'm 40 and when do I retire? first world problem?
Replies: 52
Views: 9611

Re: I'm 40 and when do I retire? first world problem?

What would a lifetime annuity of $9,000/year starting in two years at age 42 cost?

Isn't that what you would be giving up by leaving now versus in two years?

Unless I really hated my job, that would be hard for me to walk away from.
by bubbadog
Tue Feb 04, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: Latest Car Dealer Service Gotchya (Mini Cooper)
Replies: 39
Views: 2663

Re: Latest Car Dealer Service Gotchya (Mini Cooper)

"This dealer"... um, about all of them do that. Why do you do all this and seem to plan to continue doing it on a car that isn't even yours? Fringe benefits. ;-) In light of a fringe benefits situation, I would suggest you prepay for an oil change in advance of her bringing the car back. Instruct t...
by bubbadog
Fri Jan 31, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9571

Re: Suggestions for wife's new luxury (or non luxury) SUV????

With no disrepect to the Kia fans out there this is a 10K test...how about they check back in after 200K and see which one needs the most reoairs and has the best resale? They do look good upfront I will say that.. The vehicles you suggested, the Land Cruiser and 4Runner, are relics from 2007. Thos...
by bubbadog
Mon Jan 27, 2020 10:24 pm
Forum: Personal Consumer Issues
Topic: Dog repellent when biking
Replies: 63
Views: 3017

Re: Dog repellent when biking

What about a canister of bear spray?
by bubbadog
Fri Jan 24, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Subaru Outback engine stop/start
Replies: 94
Views: 7600

Re: Subaru Outback engine stop/start

why are people so adverse to this feature? Just because "it's different"? I'm so confused why this is such a big turn off. My understanding is that this feature on Subarus is not as smooth as on other brands. I believe it has to do with Subarus having boxer engines. I have read several online revie...
by bubbadog
Thu Jan 23, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: How's my financial plan? - New Medical Resident
Replies: 22
Views: 1461

Re: How's my financial plan? - New Medical Resident

From a 53 year old doc, I would say probably not. Your future has so many great unknown opportunities that the flexibility of renting outweighs any gains from home ownership. You are on a great path. Stay the course.

Best Wishes