Search found 946 matches

by Afty
Tue May 14, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 68
Views: 4255

Re: Buying a "new" car - Advice pls

Have you considered a Civic to save a little money? This generation is supposed to be excellent. You could get the Si trim if you want something a bit more fun.
by Afty
Sun May 12, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much is a 0% 5 year loan worth?
Replies: 16
Views: 2061

Re: How much is a 0% 5 year loan worth?

5-year C/D rates are around 3.00%.
by Afty
Sun May 12, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: Camera Lens Recommendation - 50-250MM
Replies: 12
Views: 697

Re: Camera Lens Recommendation - 50-250MM

I am looking for a 50-250MM lens to capture both sport photos and long-distance, stationary objects for our Canon EOS Rebel 3i. I've got the Canon EF-S 55-250mm f/4-5.6 IS Lens Review and would recommend it. This is an excellent lens by any measure. Another vote for this lens. I have one and it’s v...
by Afty
Thu May 09, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: where to keep "extra" money?
Replies: 19
Views: 2178

Re: where to keep "extra" money?

I treat any extra money as part of our overall portfolio, and allocate it in taxable according to our planned asset allocation while taking into account tax efficient fund placement. So basically everything we have in taxable is in a tax-efficient stock index fund, and all our tax-inefficient bonds ...
by Afty
Thu May 02, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3060

Re: Birthday party- No gifts

We say no gifts at our kids' parties and mean it. People still bring gifts though. We’ve also tried having a book exchange (bring a book and take a book). That seems to work better.
by Afty
Thu May 02, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 30
Views: 1615

Re: Reviews on Honda Insight

Here's a Motor Trend comparison test between the Insight and Prius. The Insight won. https://www.motortrend.com/cars/honda/insight/2019/2019-toyota-prius-2019-honda-insight-hybrid-comparison-review/ You might also consider a Honda Clarity plug-in hybrid: https://automobiles.honda.com/clarity-plug-in...
by Afty
Wed Apr 24, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 16798

Re: Whats the Point of Climbing the Corporate Ladder?

What's the point? 1) Money 2) Status 3) More control over your work/career I'm a first-line tech lead/manager at a big software company. This means I both manage people and am the technical lead for a project. I don't find that my workload is any larger than it was when I was an individual contribut...
by Afty
Sat Apr 20, 2019 11:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard now supports Yubikey 5 and 5C
Replies: 26
Views: 3737

Re: Vanguard now supports Yubikey 5 and 5C

Google is adding the ability to use your Android phone as a real, standards compliant security key: https://blog.google/technology/safety-security/your-android-phone-is-a-security-key/ I think it's in beta right now, but once it's ready you should be able to get the benefits of a security key withou...
by Afty
Thu Apr 18, 2019 10:08 pm
Forum: Personal Consumer Issues
Topic: Is it worth renting a car in Vegas?
Replies: 22
Views: 1749

Re: Is it worth renting a car in Vegas?

I’ve used these inflatable booster seats when traveling with my 5 and 8 year olds. The seats are approved for 4 and up. https://www.amazon.com/BubbleBum-Inflat ... YZCXK?th=1
by Afty
Wed Apr 10, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Notice to vacate/late rent
Replies: 59
Views: 5781

Re: Eviction notice

This might be helpful: https://www.nolo.com/legal-encyclopedia/eviction-notices-nonpayment-rent-texas.html My reading of this is that a landlord in Texas may evict a tenant if the tenant is 1 day late with rent?? I hope I'm wrong. that's shocking. That’s what it looks like to me too. Don’t mess wit...
by Afty
Tue Apr 09, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

My other caveat related to electric cars....the technology is developing at lightning speed (Thanks in part to Musk). I would not be surprised if in a few years, cars are built that will go 1000 miles on a charge and will fully charge in the time it takes to fill up your gas tank. If that is the ca...
by Afty
Tue Apr 09, 2019 12:31 am
Forum: Personal Consumer Issues
Topic: Can you buy a new car with a cashiers check without unfreezing a credit freeze?
Replies: 68
Views: 4155

Re: Can you buy a new car with a cashiers check without unfreezing a credit freeze?

I bought a new car 3 weeks ago. Paid by personal check and did not have to go through a credit check or apply for a loan.
by Afty
Sun Apr 07, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

how are your tires lasting? BMW put very odd sized tires on it and some have reported that the cost per mile of tires is a lot higher than it should be, like, $1000 for a set every 20k miles (5 cents a mile in tires, which is a lot for a small car) Mine are doing OK but I could see needing replacem...
by Afty
Wed Apr 03, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

I've had my Model 3 for 2 weeks now. I've driven 460 miles and spent $3.62 on "fuel," thanks to free charging at work. That would have been $90 worth of expensive California gas in my old car. :D
by Afty
Mon Mar 25, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

For 6-8 people you need a minivan, not a sports car. Teslas accelerate quickly, but are not otherwise sporty. In your place I'd consider a MB AMG GLC 63 or Porsche Macan, or perhaps the upcoming BMW X3M or M3. Are you defining sporty based on just looks and acceleration?? Because Model 3 is right i...
by Afty
Mon Mar 25, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

I'm curious about the people who have an extra fun car and kids -- when do you have time to drive it?? Weekdays I'm commuting to work and dropping one kid at daycare, weekends I'm ferrying the kids around to activities and buying groceries/other random errands. Unless the fun car can seat 2 kids I d...
by Afty
Sun Mar 24, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

I drive a fun sedan. Previously an Infiniti G35 (RWD with manual transmission), and now a Tesla Model 3 (LR AWD). My wife drives the SUV. Any reason you need 2 SUVs? I can see needing one for the cargo space on trips, but why 2? We don't really need two SUVs. Although each has some benefits over th...
by Afty
Fri Mar 22, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

I drive a fun sedan. Previously an Infiniti G35 (RWD with manual transmission), and now a Tesla Model 3 (LR AWD). My wife drives the SUV. Any reason you need 2 SUVs? I can see needing one for the cargo space on trips, but why 2? We don't really need two SUVs. Although each has some benefits over th...
by Afty
Fri Mar 22, 2019 10:21 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 91
Views: 5827

Re: Family man who misses driving a fun car

I drive a fun sedan. Previously an Infiniti G35 (RWD with manual transmission), and now a Tesla Model 3 (LR AWD). My wife drives the SUV.

Any reason you need 2 SUVs? I can see needing one for the cargo space on trips, but why 2?
by Afty
Thu Mar 21, 2019 11:36 am
Forum: Personal Consumer Issues
Topic: Being a Boglehead and car enthusiast stinks
Replies: 72
Views: 4496

Re: Being a Boglehead and car enthusiast stinks

The problem with cars as a hobby is that cars are expensive . It's not like you're splurging on a $4 latte or even a $200 dinner, you're splurging on something that costs tens of thousands of dollars. That's going to meaningfully affect your finances unless you are way out on the income curve. I've ...
by Afty
Sun Mar 17, 2019 6:23 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

My understanding is that the Model 3 is expensive to own and reliability is suspect. It's comparable to some many other vehicles. Don't think it' stands that far out of the norm on either expense or reliability. I am concerned about owning it outside the warranty period and getting an expensive rep...
by Afty
Sun Mar 17, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

I posted earlier in this thread with some pretty good reasons not to buy a Model 3. Well, I couldn’t even convince myself. I ordered a long range AWD model, and it’s due to be delivered on Monday. :D So now you NEED to post reasons of buying a Model 3 . If you insist. :) 1) They're fast and fun to ...
by Afty
Sat Mar 16, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

I posted earlier in this thread with some pretty good reasons not to buy a Model 3. Well, I couldn’t even convince myself. I ordered a long range AWD model, and it’s due to be delivered on Monday. :D
by Afty
Thu Mar 14, 2019 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: My RSU are causing a tax nightmare
Replies: 15
Views: 2168

Re: My RSU are causing a tax nightmare

I set additional withholding from my paycheck of a specific dollar amount per pay period. I don’t think there is any way to get your company to withhold extra from RSU vesting as they have to follow the IRS rules for supplemental income.
by Afty
Wed Mar 13, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Bright daughter wants to work for nonprofit
Replies: 103
Views: 7830

Re: Bright daughter wants to work for nonprofit

If she can't take a risk like this when she's 25, when could she?
by Afty
Tue Mar 12, 2019 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 2030

Re: Work or stay home for 1 year

I think we need more details from the OP. Why are you/your spouse considering this? Is it dissatisfaction with work, a desire to spend more time with your kids, or something else? I also wonder about the one year part of this. Why not 6 months, or even just the summer? Or would this be a trial run f...
by Afty
Wed Mar 06, 2019 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Framework to evaluate life and lifestyle choices?
Replies: 38
Views: 2658

Re: Framework to evaluate life and lifestyle choices?

I was/am in a similar situation and took last summer off to step away and get some perspective. I traveled with my kids and gave a lot of thought to what I wanted out of both my career and my family life. In the end I came back to work refreshed and ready to dive back in. I agree with a previous pos...
by Afty
Tue Mar 05, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4406

Re: Value of Vacation Experiences with Big Fam & Young Kids

The value is immense. Our adult children greatly appreciate our commitment to vacations, and it has enhanced their desire to do the same for their children and to travel at a higher level than we do in retirement. It was one of the three or four most favorable decisions we made regarding child rear...
by Afty
Mon Mar 04, 2019 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Diversifying against your "natural" capital
Replies: 11
Views: 890

Re: Diversifying against your "natural" capital

"It is difficult to get a man to understand something, when his salary depends upon his not understanding it.”
by Afty
Mon Mar 04, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: How to decline additional responsibilities in work?
Replies: 14
Views: 2049

Re: How to decline additional responsibilities in work?

Manager perspective here. This is a tricky situation. As part of your performance review, your manager has stated that you are not performing up to par with your peers and has asked you to improve by taking on these additional tasks. Sure, you could say no, but that may end up biting you if your man...
by Afty
Fri Mar 01, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 18816

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

I'm in this boat too. :) I also have never paid more than about $25k for a car, but man that Model 3 is tempting. I can give you some reasons not to buy: Build quality and reliability are not great. They recently lost their Consumer Reports recommendation. A colleague at my work literally had parts ...
by Afty
Fri Mar 01, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pay capital gains tax?
Replies: 9
Views: 1100

Re: How do you pay capital gains tax?

When I've done this, I pulled money out of my emergency fund to pay the tax and paid it via estimated tax in the quarter I took the gain, which entailed filing Form 2210 with my tax return. Next time I would probably increase my paycheck withholdings instead of paying estimated tax and cover any bud...
by Afty
Fri Mar 01, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand how I got hit with such a big amount in taxes owed
Replies: 40
Views: 5709

Re: Trying to understand how I got hit with such a big amount in taxes owed

The IRS mandates that only 22% be withheld for bonus payments, and RSU vestings are in that category. Since you said you are in the 35% tax bracket, if you had a substantial amount of RSUs vest, they would have been vastly under withheld , in accordance with IRS regulations. ^This. In the future se...
by Afty
Thu Feb 28, 2019 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth -- A Unicorn?
Replies: 45
Views: 2651

Re: Mega Backdoor Roth -- A Unicorn?

I do it. I wish I had started earlier, but I didn't know it was a thing until I started reading Bogleheads.
by Afty
Thu Feb 28, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house as a medical student
Replies: 23
Views: 1050

Re: Buying a house as a medical student

Seems like a shame to potentially dump 8-9 years of rent down the toilet... If you bought a house, only a tiny fraction of your payments would go toward equity; the rest would be non-equity-building stuff like mortgage interest, property taxes, maintenance, repairs, HOA fees, possibly utilities tha...
by Afty
Tue Feb 26, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9689

Re: Is Hyundai the value sweet spot?

We have a 2012 Kia Sorento with 67k miles, and it's been nearly perfect reliability-wise (Kia is Hyundai's sibling company). We did have to do one minor $200-ish repair -- some pulley was squealing -- but other than that we've had no issues. I will say that the car is not as refined as a comparable ...
by Afty
Mon Feb 25, 2019 11:21 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 99
Views: 11582

Re: Tired of gas grills rusting out...

Another testimonial for Weber. I have a 10 year old Weber Q300 that is still going strong. It spent the first 2 years of its life in Boston and survived the winter there. I replaced the grates a couple years ago but otherwise have had no issues. I kind of want a new grill but can’t really justify it...
by Afty
Sun Feb 24, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Close my AT&T Universal Card?
Replies: 43
Views: 2755

Re: Close my AT&T Universal Card?

Personally I would close it. It may have a slight impact on your credit score, but it will recover quickly.
by Afty
Mon Feb 18, 2019 6:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Getting a Tesla Model 3 Performance?
Replies: 10
Views: 956

Re: Thoughts on Getting a Tesla Model 3 Performance?

Note also that a used Model S probably won’t qualify for the carpool lane. You can only get a carpool sticker if the EV has not previously had a carpool sticker in CA.
by Afty
Fri Feb 15, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 106
Views: 8614

Re: Being content with your finances

I think it's dangerous to conflate ambition or achievement with income. What are your actual life goals? What kind of person do you want to be? If your only answer is to be rich, that leads you down a pretty dark path.
by Afty
Fri Feb 15, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Options for Commuting to Work
Replies: 37
Views: 1484

Re: Advice Needed - Options for Commuting to Work

Long commutes have serious effects on both mental and physical health: https://www.scientificamerican.com/article/commuting-takes-its-toll/ Do you have any other options? As others have asked, if you're moving anyway, why not move to the remote site? Some choice quotes: Commuting exacts considerable...
by Afty
Tue Feb 12, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 106
Views: 8614

Re: Being content with your finances

So I find myself always searching how to make more and not being content with current income. How do bogleheads find satisfaction with their income. I think you should do some introspection. Why are you not content with current income? It sounds like you have far more money than you need. What woul...
by Afty
Tue Feb 12, 2019 12:55 am
Forum: Personal Consumer Issues
Topic: Employer Arbitration vs. Court
Replies: 14
Views: 1250

Re: Employer Arbitration vs. Court

This sounds like forced arbitration. It is not to your benefit, but I’m not sure there is anything you can do about it. What happens if you don’t sign the agreement?

https://www.consumeradvocates.org/for-c ... rbitration
by Afty
Mon Feb 11, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 5892

Re: Newlyweds and joint accounts for household expenses

It’s just so much easier to open a new checking account and have all of your paychecks go into that one account going forward. +1 When we got married 30 years ago, we tried his, hers, and ours checking accounts. What a total pain in the butt! Lasted about 6 months before we stopped that. One checki...
by Afty
Sun Feb 10, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 3777

Re: Passport Photos ?

StevieG72 wrote:
Sun Feb 10, 2019 5:00 pm
I did DIY last time around for myself and the kiddo, fairly easy.

http://www.epassportphoto.com/ is a great site that helps verify picture meets the requirments.
I did it myself one time and had it rejected. I believe it was because I was smiling. I just go to Costco now.
by Afty
Fri Feb 08, 2019 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 107
Views: 10966

Re: Need Help - DW Laid Off and Company wants her back now

At the senior level, a lot of this stuff is about politics. It wouldn't surprise me if DW's current supervisor threw her under the bus. I would make returning to the company contingent on moving into X's business unit. +1. Under no circumstances would I remain in the reporting chain of the person w...
by Afty
Fri Feb 08, 2019 12:14 pm
Forum: Personal Investments
Topic: Expensive mutual fund with large capital gains, what to do?
Replies: 15
Views: 838

Re: Expensive mutual fund with large capital gains, what to do?

I have a fund like this. I set up a Donor Advised Fund and donate shares every year or two. Eventually the whole thing will be gone.
by Afty
Wed Feb 06, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help - DW Laid Off and Company wants her back now
Replies: 107
Views: 10966

Re: Need Help - DW Laid Off and Company wants her back now

I would want to find out what really happened, and I'm not sure I would go back to the company under any circumstances. Either they are telling the truth and they really did fire her accidentally, which means the company is seriously incompetent, or someone in her management chain wanted her fired, ...
by Afty
Wed Feb 06, 2019 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Home Warranty
Replies: 27
Views: 1379

Re: Home Warranty

Same experience here with a recent (2017) home warranty. Poor quality repair folks, $75 fee, and refusal to actually repair things.