Search found 214 matches

by srt7
Wed Sep 19, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 220
Views: 14937

Re: What is your single most expensive mistake?

Just a couple days ago I lost my car key, without having a spare one. What's worse, I know the key was picked up by some one living by, which means I couldn't leave car lock unchanged. This single one mistake cost me: 1. $300 - called Locksmith to open the door and make a programmed key, and 2. $50...
by srt7
Wed Sep 19, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 220
Views: 14937

Re: What is your single most expensive mistake?

I’m only 23 so there haven’t been that many mistakes (yet), but my biggest mistake so far was going to college. I went to college for 2 years right after high school and quit with no degree and about $11K in student loan debt which I plan to have paid off in the next couple years. Looking back on i...
by srt7
Sat Sep 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1688

Re: Developer Laptop

Fellow programmers/developers, Due to firewall constraints with my work laptop, I'm looking for a personal laptop to sandbox whatever programming language or framework that peeks my interest. I'll probably be working with Hadoop and Python (data analysis) so I'm thinking I need a minimum of maybe 1...
by srt7
Thu Sep 13, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: New car or used?
Replies: 6
Views: 633

Re: New car or used?

Accord is sporty. The ES is not. Clearly, you don't care about sportiness or drive etc. So get the Lexus ES.
by srt7
Tue Sep 11, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Job (1st Management Role)
Replies: 30
Views: 2919

Re: New Job (1st Management Role)

I am in a similar situation. Pay: I essentially got a 20k bump since over 4 years. If I step down tomorrow I lose $700 but then get OT which means I can make plenty more. However, I have missed on a number of investment opportunities because of the hours and preoccupation with management. Family: W...
by srt7
Tue Sep 11, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9979

Re: Anyone else not save for cars?

I don't save specifically for cars. To me that is like saving specifically for electric bill or property taxes etc. Most areas within the USA requires a car so there is no escaping it. I also try to utilize any low APR offers available. Some like paying cash and other like holding on to it. To each ...
by srt7
Tue Sep 11, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9979

Re: Anyone else not save for cars?

I don't, because I just do not have anything left after trying to max HSA, 401K, and saving what's left to increase EF to our goal. I honestly don't know how it seems that (almost) everyone here can afford to max out 401K, IRAs, HSA, have 2 years EF, taxable, separate savings for cars, vacation, pa...
by srt7
Sat Sep 08, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3604

Re: Subaru: Crosstrek or Outback?

I would go with the Outback.
by srt7
Sat Sep 08, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3057

Re: Selling a newish vehicle yourself, how to do it?

Why do you want to sell it yourself? If it is just for the money I would suggest bringing the car to EchoPark or similar Carmax competition. They usually match it pretty close to the top end of what KBB says you could get from a dealer. At that point you can consider if a private sale is worth the m...
by srt7
Sat Sep 08, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3031

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera...
by srt7
Tue Sep 04, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6908

Re: Daily Driver (Car) Over 100K Miles?

200K miles in under 10 years? 25K+ per year?

How does one put so many miles?
by srt7
Tue Sep 04, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 85
Views: 7976

Re: Advice on relocation or staying put

OP here. Found this thread while searching for something else so thought I'd post an update. We finally made the move few months ago. Picked Denver metro and it's been great! Thanks to everyone for your inputs!
by srt7
Mon Sep 03, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 5727

Re: Selling a car to CarMax

Every time I need to sell a car, I start with them. They quote a number and I know that is my starting point. Plus they do a quick check that tells me my car is sell-able.

Definitely look into EchoPark (or perhaps something similar).
by srt7
Fri Aug 31, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6349

Re: Emergency fund size

Hi, I have read in the forums that some have $50k as emergency fund. Is there any guidance around what the size of a emergency savings should be. I was guess somewhere $30-50k, but is there any measurement in terms of months of wage or similar so that I can ballpark what is reasonable? Thank you in...
by srt7
Fri Aug 31, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6419

Re: Lexus vs. Mercedes

OP - I was in the same position not too long ago. For years I had chosen to go with reliable brands (Toyota, Honda, Mazda etc.) and then I had to make a call on taking a chance and driving what I always wanted (Mercedes, BMW, Audi ...) or continue to play safe but perhaps bump it up to luxury (Lexus...
by srt7
Fri Aug 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2764

Re: Best Checking Account?

MichCPA wrote:
Fri Aug 31, 2018 10:45 am
livesoft wrote:
Fri Aug 31, 2018 10:41 am
Wells Fargo. Free everything if you get the right account. They are probably paying new clients to open accounts now, too.
No, they just open them for you......couldn't resist.
You beat me to it! :sharebeer
by srt7
Fri Aug 31, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 2764

Re: Best Checking Account?

1. U.S. Bank
2. Chase (if you're in a location where U.S. Bank doesn't serve)

I used to bank with Ally until a couple years ago. Never again. Brick-n-Mortar is the way to go followed by credit unions.
by srt7
Wed Aug 29, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 1958

Re: YouTube Car Reviewers

OP - good list! +1 to Doug Demuro as well. I even read his book and followed his blog for a while. Very interesting take/perspective on cars.

One other presenter I follow is Micah Muzio from Kelley Blue Book channel. Here is his review on the 2019 Ford Mustang Bullitt.
by srt7
Fri Aug 24, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21656

Re: Decent compensation to move to Bay Area CA?

My experience: I am from the mid-southwest. I got my 1st job in bay area, 1 year, I screamed and went running. I could not take the culture, crowd, insanity in prices etc. Just go to the fremont costco on a saturday, there is no space inside costco to walk! People were mostly from other cultures an...
by srt7
Fri Aug 24, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21656

Re: Decent compensation to move to Bay Area CA?

I wouldn't do it. $140K is easily upper middle class in Charlotte. There was a study done a couple years ago that said under $105K (or something close) is poverty in the SFO bay area. You may be thinking of this: https://sanfrancisco.cbslocal.com/2018/06/26/hud-117000-low-income-san-mateo-san-franc...
by srt7
Fri Aug 24, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1806

Re: Have you made short term sacrifices to gain long term success?

JBTX wrote:
Thu Aug 23, 2018 10:41 pm
Maybe try Austin instead? Austin isn't CA, but it isn't Houston either.
IMV ... a move to Austin would be "neither here not there" as in not really saving much nor living in OP's choice of city.
by srt7
Fri Aug 24, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1806

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gr...
by srt7
Fri Aug 24, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21656

Re: Decent compensation to move to Bay Area CA?

I have a family of 4 and we live in Charlotte area. I make ~ $140k annually (can sacrifice my work life balance and make ~160k) as an IT guy (I'm a kind of tech lead \ architect). We live in a $320k 2400 sq ft 4bd house and are able to save few buck into taxable account (401k maxing out as well). I...
by srt7
Fri Aug 24, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 21656

Re: Decent compensation to move to Bay Area CA?

There are only two major items that are more expensive in California: housing and state income tax. Where is this job located? A house of the size you’re looking for will run you $1.5M in most areas. Can you afford that? Not true. Everything is more expensive including gas, utilities, daycare, milk...
by srt7
Wed Aug 22, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12261

Re: Good Non-Boring Boglehead Cars Under $30k

Criteria: - Street price under $30k - Reliable - Fun driving dynamics (please no Corolla/Prius-type recommendations) - Support for Android Auto/Apple Carplay (either available now, or coming soon) - Can be new or used, but nothing over 3 years old What do you recommend? I am in a similar boat (with...
by srt7
Wed Aug 22, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12261

Re: Good Non-Boring Boglehead Cars Under $30k

Thanks for the suggestions but full smartphone integration is an absolute must for me. The car is going to be used for a long time, and I think not having this will keep it permanently stuck with its (usually) sub-par infotainment and navigation setup. I agree 100%. Even Toyota is planning on putti...
by srt7
Wed Aug 22, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 215
Views: 12261

Re: Good Non-Boring Boglehead Cars Under $30k

I know you're here with good intentions but this is like going into a thread about good steak and recommending people eat canned tuna instead :oops: That's pretty common on this forum, unfortunately. Even when the OP goes out of their way to preemptively disqualify certain types of responses. OP: "...
by srt7
Tue Aug 21, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: VFSUX [Vanguard Short-Term Investment-Grade Adm.]
Replies: 8
Views: 1001

Re: VFSUX

Read the title (as VF SUCKS). Thought it was a joke or someone angry at Vanguard. Learnt something today :beer
by srt7
Mon Aug 20, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5404

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Non-Fiction:
  • The Boys in the Boat
  • Jack (Jack Welsh)
  • Outliers
Fiction:
  • The Firm
  • The Goal
  • Sherlock Holmes
Finance/Investing:
  • The Richest Man in Babylon
  • Millionaire next door
by srt7
Mon Aug 20, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6073

Re: I saved $3,200 on a $23,500 car with minimal stress.

As a step 6, you can take the best offer, go to the closest dealers and probably get them to match or maybe even beat, and save yourself and a friend a 200 mile round trip. Yeah, that's an alternate and possibly more effective approach. I really wanted to avoid any back and forth negotiation so I s...
by srt7
Mon Aug 20, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6073

Re: I saved $3,200 on a $23,500 car with minimal stress.

Congrats OP! Thanks for sharing.
by srt7
Wed Aug 15, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2472

Re: Travel over thanksgiving holiday, drive or fly?

BolderBoy wrote:
Tue Aug 14, 2018 10:23 am
shel wrote:
Tue Aug 14, 2018 9:55 am
Under circumstances you have given, I just wouldn't go. Second advice, give regrets, send present.
I'm with shel on this. Stay home.
Spot on! Stay home. Perhaps they planned the wedding so that not many would make it? :confused

Ok Ok ... I kid :wink:
by srt7
Wed Aug 08, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8672

Re: Huge mortgage mistake

I don't get it. I can't even see the mistake here let alone a "huge" one. It's really very simple ... this mortgage process. You want your lender to have more skin in the game while you want to lower your risk and hold on to your cash? Fine, pay a PMI (lender's insurance). Want better interest rates...
by srt7
Sun Aug 05, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 15469

Re: Will you pay for your kids' college/graduate education?

Ragnoth wrote:
Sat Aug 04, 2018 7:58 pm
Parents paid my undergrad, and I was on my own for grad school. I anticipate doing the same for my children.
+1
by srt7
Sun Aug 05, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25065

Re: most compelling TV character ever

James T. Kirk - For his leadership abilities in ambiguous situations and his confidence (even though he knows Mr. Spock is the most capable.) Fox Mulder - For his persistence and determination to find answers and do the right thing. Martin Crane - For his self-confidence, fatherly love and just bein...
by srt7
Sun Aug 05, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2359

Re: Realtor Compensation (Couldn't sell, so renting)

We pay 80% of one month's rent. Lesser if realtor is also hired as the property manager. It's always negotiable and depends on the local market.
by srt7
Sun Aug 05, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1379

Re: Pricing a used car to sell

Carmax is a good option but also try other ones such as Echo Park. They're not as big which is why they'll offer something closer to KBB/NADA.
by srt7
Tue Jul 31, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4681

Re: 1.9 M windfall. My plan; input requested

Buying a new house and two new cars will be a giveaway to all your friends and colleagues that you are a millionaire. Think very carefully about whether you really want to change your lifestyle. I would also hold off on the real estate until you have done some more research. Also ask yourself if yo...
by srt7
Sat Jul 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 941

Re: What are such auto loans called?

Had to do that one time. I sold some property, put a humongous down payment on our current home, and paid off a vehicle. Then, it occurred to me I had forgotten to consider capital gains taxes on the property sold. :oops: So, I had to head back to the credit union and get an auto loan. I was a tad ...
by srt7
Sat Jul 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 941

Re: What are such auto loans called?

Thank you, all! I will call up my credit union and see what they've got.
by srt7
Sat Jul 28, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 941

What are such auto loans called?

I have a paid off car that I would like to get an auto loan on. Do such loans exist? If so can some one please tell me what they're called.

Thanks!
by srt7
Mon Jul 23, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17468

Re: Salary vs. Lifestyle

At every opportunity, I have chosen lifestyle. Once I made enough to pay my expenses and save, I chose shorter commute, predictable and reasonable hours, more vacation, and better benefits over more pay. The two main drivers were stress that caused me to sleep poorly and the desire to have a family...
by srt7
Thu May 17, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9936

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I drive the 2016 RX 350 and highly recommend it. I test drove the Q5 (older model) back then and liked it too but knew there had to be a newer model in the pipeline so crossed that off my list. Since your budget is $40K I assume you're going with CPO's ... a wise choice (unlike mine :oops: ). You c...
by srt7
Thu May 17, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 37874

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I'm 33.5 years old - I don't pretend to know what tax bracket I will be in 26 year from now - also, I don't know what tax brackets will be in 26 years - maybe there won't even be "tax brackets" in 26 years. . . . . . I am confident, however, that "future me" will enjoy not paying any taxes on my Ro...
by srt7
Thu May 17, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 9936

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I drive the 2016 RX 350 and highly recommend it. I test drove the Q5 (older model) back then and liked it too but knew there had to be a newer model in the pipeline so crossed that off my list. Since your budget is $40K I assume you're going with CPO's ... a wise choice (unlike mine :oops: ). You co...
by srt7
Thu May 17, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39998

Re: Lucrative careers?

It seems like people have something against software engineers making good money. They are OK with Lawyers and doctors making money but not software engineers. No one is arguing about what software engineers "deserve". The question is what they get paid. Not all graduates even make it to a SW engin...
by srt7
Thu May 17, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3284

Re: Urgent: escrow situation in bay area

OP,

In your position, my first option would have been a cheaper place even if it isn't a SFH or a SFH with a longer commute. My second option would be your current pick. I think you should seal the deal and enjoy your house!
by srt7
Thu May 17, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 423
Views: 39998

Re: Lucrative careers?

Has anybody suggested becoming an NFL or NBA player? Or may be a rock star musician? How about becoming best paid Hollywood actor? How is it any different than throwing out $300K computer science engineer job suggestions for OP? Sometimes, this forum drops its collective intelligence very low. A $3...
by srt7
Wed May 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9387

Re: Is there a boglehead muscle car?

Boglehead muscle car?

That's gotta be a ... 10 year old red Toyota Corolla with a spoiler and a sport badge

I kid ... :sharebeer
by srt7
Sat May 12, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5136

Re: How to think about schools/homes (Greatschools/Niche)

OP, I live in a house that is zoned to a 10, 9, 8 per GS. Every once a while I keep getting this brilliant idea to move to a location with schools that are 10,10, 9. I'd be taking on a loan that is twice my current one and instead of having a paid off house within 10 years I'd be stuck making paymen...