Search found 968 matches

by Afty
Tue Jun 18, 2019 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity and Paternity leave policies
Replies: 32
Views: 1545

Re: Maternity and Paternity leave policies

Let's also not underestimate the burden that small companies without parental leave policies put on new parents, with the associated impact on the baby.

I am glad my employer has a progressive parental leave policy. I took 4 weeks off for my daughter, then got promoted in my first review cycle back.
by Afty
Mon Jun 17, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 1734

Re: Help with car decision

Having lived in Boston, I understand where you are coming from. Outbacks are very popular there and make great winter cars.

What are the actual values/prices of your Accord and the Outback you want to buy? You should avoid thinking in terms of payment and focus on the overall cost of this upgrade.
by Afty
Sat Jun 15, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Alternatives to car rental for three months?
Replies: 53
Views: 3280

Re: Alternatives to car rental for three months?

After you find out rental/lease rates, I would really urge you to consider buying a car that you would feel comfortable and safe with and simply selling it when you're done. It would be more effort, but the spread between what you buy it and sell it for could be significantly less than the alternat...
by Afty
Sat Jun 15, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: I'm thinking about buying a supercar anyone here done this and feedback?
Replies: 233
Views: 12228

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 Afty
Sat Jun 15, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Universal Studio, LA - Ollivanders Wand Shop worth it
Replies: 23
Views: 2768

Re: Universal Studio, LA - Ollivanders Wand Shop worth it

I took my daughter for her birthday a couple years ago. We did the Ollivanders show 5 or 6 times; it was her favorite thing there. You don’t have to buy anything. Overall the Harry Potter area is wonderful if you are a HP fan. The attention to detail is just amazing.
by Afty
Thu Jun 13, 2019 1:25 am
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 77
Views: 7657

How safe are pensions in the U.S.?

I read a lot of articles about pensions failing, benefits getting cut, etc. But my understanding is that most pensions are guaranteed by the PBGC, so participants generally won’t lose their promised benefits if the company goes bankrupt or can’t meet their obligations. I am not sure about benefits g...
by Afty
Wed Jun 12, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 65
Views: 3369

Re: Toyota Sienna tire replacement at 12k miles

I would first verify their claim by using a tire tread depth gauge. If the tires really are at an unsafe tread depth, then I would buy new tires at a tire shop (or Costco) and not the dealer.

You could also use the "penny test" to check tread depth.
by Afty
Wed Jun 12, 2019 10:55 am
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 5591

Re: How are your 30s financially different than your late 20s?

It's interesting how people are in such different places in their lives at the same age. At 30, we didn't have kids yet and were still in grad school. So our 30s were about becoming parents, starting to work "real jobs," and dealing with our parents' aging and declining health. We have been very for...
by Afty
Fri Jun 07, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: iPad vs. iPad Pro vs. 2-in-1 laptop ...
Replies: 5
Views: 832

Re: iPad vs. iPad Pro vs. 2-in-1 laptop ...

The new iPad Air is a good compromise between the base iPad and the Pro. You can also add a keyboard and pencil to the Air.
by Afty
Fri Jun 07, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: Check my reasoning: prepaying mortgage makes *more* sense if you don't plan to stay long
Replies: 8
Views: 1004

Check my reasoning: prepaying mortgage makes *more* sense if you don't plan to stay long

The conventional wisdom is that it doesn't make sense to pay extra on your mortgage unless you plan to stay a long time. But isn't it actually the opposite? Paying extra on your mortgage is like buying a bond with duration equal to the time you will have the loan. If you plan to move soon, prepaying...
by Afty
Thu Jun 06, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 3654

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Do you ever need to drive all 3 children anywhere? Would you switch cars in that case? That's kind of annoying, but not the end of the world. We have 2 kids, and we have one midsize SUV (Kia Sorento) and one compact sedan (Tesla Model 3). Both are large enough to carry both kids, though only the SUV...
by Afty
Thu Jun 06, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2989

Re: Solar - when replacing roof?

Google's Project Sunroof can estimate your house's power generation and break-even timeframe: https://www.google.com/get/sunroof A few other considerations: There is a federal tax credit for solar installs that will begin to phase out at the end of 2019: https://www.energy.gov/savings/residential-re...
by Afty
Sat Jun 01, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Negotiate for Used Car via Email
Replies: 13
Views: 935

Re: Negotiate for Used Car via Email

I don’t think it makes sense to negotiate for a used car sight unseen. How could you possibly decide a fair value?
by Afty
Sat Jun 01, 2019 9:28 pm
Forum: Personal Consumer Issues
Topic: Apple - Old Product Boxes - Keep or Dispose?
Replies: 48
Views: 6091

Re: Apple - Old Product Boxes - Keep or Dispose?

I think you should get rid of them. But, our house was recently broken into and some Apple products were stolen. Because we had the boxes, we were able to report the serial numbers to the police and also prove to our insurance company that we owned them.
by Afty
Fri May 31, 2019 11:09 pm
Forum: Personal Consumer Issues
Topic: Is there a free Carfax available?
Replies: 21
Views: 1303

Re: Is there a free Carfax available?

I recently ordered a Carfax from an EBay reseller. Worked fine and received it quickly.
by Afty
Mon May 27, 2019 10:42 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13797

Re: Tequila and Magaritas

This thread turned me onto Cazadores tequila, which is very good and only $34 for 1.75l at Costco. Thanks folks!
by Afty
Sun May 26, 2019 4:13 pm
Forum: Personal Consumer Issues
Topic: How a SIM swap attack works
Replies: 28
Views: 3273

Re: How a SIM swap attack works

https://medium.com/coinmonks/the-most-expensive-lesson-of-my-life-details-of-sim-port-hack-35de11517124?sk=4c29b27bacb2eff038ec8fe4d40cd615 I lost north of $100,000 last Wednesday. It evaporated over a 24-hour time span in a “SIM port attack” that drained my Coinbase account. It has been four days ...
by Afty
Sat May 25, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Finally broke down and bought a new ipad....
Replies: 20
Views: 2872

Re: Finally broke down and bought a new ipad....

iPads are great especially now that the base one is so cheap. It's only $250 new from Amazon.
by Afty
Thu May 23, 2019 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 204
Views: 11305

Re: Should I encourage my kids to work in high school/college?

I never worked low wage jobs, either in high school or college. In the summers during high school, I would do things that looked good on my college applications, like taking college courses or volunteering at a local hospital. In college I spent summers doing research with professors, which was a jo...
by Afty
Thu May 23, 2019 12:58 am
Forum: Personal Consumer Issues
Topic: Wiper blade replacement
Replies: 30
Views: 2541

Re: Wiper blade replacement

Another vote for Bosch Icon. I’ve had good experiences with them, and they are also the top recommendation from the Wirecutter: https://thewirecutter.com/reviews/best- ... -your-car/
by Afty
Wed May 22, 2019 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Why Do Homeowners Have Higher Net Worths than Renters?
Replies: 30
Views: 2384

Re: Why Do Homeowners Have Higher Net Worths than Renters?

While it is a good idea to question the premise of this thread, there is peer-reviewed evidence that homeownership increases wealth/net worth even when controlling for other factors like initial wealth and household income. This paper provides the first empirical evidence that homeownership, after c...
by Afty
Tue May 21, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 120
Views: 14444

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 i...
by Afty
Tue May 14, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Buying a "new" car - Advice pls
Replies: 75
Views: 5513

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: 2122

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: 711

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: 2234

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: 3188

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: 1708

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: 17045

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: 3922

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: 1776

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: 5818

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: 19241

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: 4227

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: 19241

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: 19241

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: 5891

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: 5891

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: 5891

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: 5891

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: 5891

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: 4556

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: 19241

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: 19241

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: 19241

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: 2201

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: 7892

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: 2043

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: 2682

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...