Search found 885 matches

by ponyboy
Tue May 26, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 60
Views: 2802

Re: New Vehicle: Forester or Rav4 for boglehead couple

The interior of 2020 foresters look like cheap plastic garbage. We wanted one but couldnt get over how cheap it looked, not to mention that dumb feature where your car shuts off whenever you stop. Should be able to disable that permanently. RAV4 limited was superior.
by ponyboy
Fri May 22, 2020 5:52 am
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19197

Re: What is your most luxury/expensive hobby.

Are vacations really considered a hobby?
by ponyboy
Fri May 22, 2020 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Airline refusing to issue refunds
Replies: 112
Views: 10431

Re: Airline refusing to issue refunds

We were supposed to board a flight yesterday for europe. Our flight was never cancelled, but american airlines allowed us to cancel and receive a full refund. WE did cancel around 1 month ago, all done online. Didnt have to speak to a representative. Ill always fly AA moving forward. How they handle...
by ponyboy
Wed May 20, 2020 7:10 am
Forum: Personal Consumer Issues
Topic: Care for outdoor patio set?
Replies: 10
Views: 603

Re: Care for outdoor patio set?

If you buy something of quality, there is no care. It will hold up. We also store ours inside during the winter due to snow.
by ponyboy
Fri May 15, 2020 5:21 am
Forum: Personal Finance (Not Investing)
Topic: What are the most valuable things in life?
Replies: 7
Views: 838

Re: What are the most valuable things in life?

My lob wedge. I remember the days trying to use a less lofted sand iron around the green. Besides electricity and computers, the lob wedge is probably the 3rd most important invention mankind has ever created. edit: I forgot about modern medicine. That bumps the lob wedge to the 4th most significant...
by ponyboy
Fri May 15, 2020 5:14 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4061

Re: New Brake Pads

I was involved in testing brake rotors on the racetrack with a group of other guys in various cars. We found that the absolute cheapest rotors worked as well as or better than the high priced stuff. The difference seemed to be whether or not you wanted to pay for their expensive marketing campaigns...
by ponyboy
Thu May 14, 2020 6:05 am
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10755

Re: Dentist charges $10 for PPE

I'd bet more than happy to pay $10 for my dentist to feel like he wasn't risking his life to see me. They need a N95 mask for every patient. My practice just paid $2.50 per mask for a bunch of them and even at that price they were hard to get. Add a shield and gown and gloves, not hard to hit $10. ...
by ponyboy
Wed May 13, 2020 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 2871

Re: Subaru 0% financing

delete
by ponyboy
Wed May 13, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9415

Re: Turning 30. Living 30s without regrets

Hi group, I am turning 30 soon. When I was 22 and got my first job, I read a ton of what to do in my 20s that seems to have helped me a ton. Some things that have helped: - Maxed out my 401k every year. 401k is ~275k - Travelled as much as I could. Visited 10 countries in Europe. - Started an HSA a...
by ponyboy
Wed May 13, 2020 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9415

Re: Turning 30. Living 30s without regrets

Hi group, I am turning 30 soon. When I was 22 and got my first job, I read a ton of what to do in my 20s that seems to have helped me a ton. Some things that have helped: - Maxed out my 401k every year. 401k is ~275k - Travelled as much as I could. Visited 10 countries in Europe. - Started an HSA a...
by ponyboy
Wed May 13, 2020 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9415

Re: Turning 30. Living 30s without regrets

I am currently heavily focussed on climbing the career ladder in my megacorp I am 60. This is the singular thing that I have seen break up my friends' marriages and lead to misery, alcoholism, and even suicide. Ive noticed a trend with upper management in the corporate world. A lot of them cheat on...
by ponyboy
Wed May 13, 2020 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9415

Re: Turning 30. Living 30s without regrets

So....your financial picture is that of most other bogleheads on this forum. Money is the easy part. Focus more on your family
by ponyboy
Tue May 12, 2020 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Check Endorsement Problem-Question
Replies: 20
Views: 1303

Re: Check Endorsement Problem-Question

Why do you endorse the check “for deposit only? How can anyone else possibly negotiate the check Oddly enough, it's what some banks tell you to do. Capital One doesn't specify this, but my national brick & mortar bank specifically says to endorse it as " For mobile deposit only. " Wells Fargo state...
by ponyboy
Tue May 12, 2020 8:45 am
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6586

Re: Has Your Spending Changed Since The Shutdown?

Hmm, lets see.

Started a sub division survey so we can acquire land which is going to cost a lot.
Ordered new metal roofing for the garage since that needs replaced.
Bought a bunch of 2b river stone and did a lot of landscaping.
Bought a water rower.

Our expenses have only gone up.
by ponyboy
Tue May 12, 2020 8:43 am
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2583

Re: Regret Concept 2 Model D purchase

I regret purchasing it; could hardly row more than 10 minutes without my hands becoming insanely sore and chafed. I have double jointed elbows too and had a tendency to hyperextend the arms with the pulling motion. Most people justifiably love it, but just putting that out there. It may work for so...
by ponyboy
Tue May 12, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Hang on to old car or buy new one?
Replies: 38
Views: 2084

Re: Hang on to old car or buy new one?

How is the acura costing you $2k/year in repairs? Is it a lemon? That car has low miles and isnt that old...how can it possibly cost that much per year to maintain? I hope you're not including the cost of insurance and fuel. We have 3 cars...newest is a 2009 with 99K miles, My daily driver is 2008 w...
by ponyboy
Mon May 11, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2583

Re: Regret Concept 2 Model D purchase

Thanks to everyone for your replies! Thinking of getting one without trying it out first (due to COVID). For now, it is sold out (due to COVID). You wont be able to buy one for months, unless you buy one from the 2nd hand market at more than what new ones are going for. I have a water rower. I do l...
by ponyboy
Mon May 11, 2020 7:36 am
Forum: Personal Consumer Issues
Topic: Advice on buying a house with leaky roof (fixed ~1 week ago)
Replies: 34
Views: 2364

Re: Advice on buying a house with leaky roof (fixed ~1 week ago)

A leaky roof isnt difficult to fix. Probably an issue with flashing...people always screw that up.
by ponyboy
Sat May 09, 2020 6:33 am
Forum: Personal Consumer Issues
Topic: Does anyone have faucets or appliances hooked up that they never run?
Replies: 7
Views: 887

Re: Does anyone have faucets or appliances hooked up that they never run?

Just go around once month or so and run some water...it'll keep the p trap filled so nasty gases wont stink up the place.
by ponyboy
Thu May 07, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4061

Re: New Brake Pads

Aside from allowing a jacked up car to fall on me, are there any other safety issues I should be concerned about in doing this myself that a basic YouTube video may miss? I'm mostly concerned at barrelling into something at high speed with no brakes. It's really hard to put pads into a caliper in a...
by ponyboy
Thu May 07, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4061

Re: New Brake Pads

It amazes me that people still resurface rotors. Buying brand new ones costs dollars more than resurfacing, especially if you're changing the rotors/pads yourself. Such a simple job. If I ever opened a garage, I would only do brakes/rotors. Is there a bigger markup in terms of regular maintenance on...
by ponyboy
Wed May 06, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Craigslist - are these scams?
Replies: 49
Views: 3127

Re: Craigslist - are these scams?

Just use facebook marketplace. Craigslist is all but dead at this point. Almost all scammers, and not a lot of activity. Marketplace is the latest and greatest place to sell.
by ponyboy
Wed May 06, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16225

Re: Neighbor’s contractor wants to access our property

Is this going to be one of those threads that lives on until the project is complete...so for the entire summer? Maybe, it depends if the OP discovers a locked floor safe encased in concrete in their closet that becomes exposed during the construction compaction. ugh...I remember that thread. I bel...
by ponyboy
Wed May 06, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Federal Tax Return Processing Delayed? (e-filed)
Replies: 8
Views: 767

Re: Federal Tax Return Processing Delayed? (e-filed)

Yes, its taking longer this year. I started a thread on my amended return and received some responses.

viewtopic.php?f=2&t=313947
by ponyboy
Wed May 06, 2020 5:31 am
Forum: Personal Consumer Issues
Topic: Rules on returning to work after being furloughed due to COVID
Replies: 36
Views: 3237

Re: Rules on returning to work after being furloughed due to COVID

Why doesnt your friend ask to not get paid so she doesnt have to use PTO? Just skip a week of pay/work and keep your time. Ive been working remote for almost 8 weeks. Some at my office havent worked and are still getting paid. They just took almost 5 days pto from everyone, said it would save them a...
by ponyboy
Wed May 06, 2020 5:26 am
Forum: Personal Consumer Issues
Topic: New Refrigerator: Problems? Solutions?
Replies: 18
Views: 1715

Re: New Refrigerator: Problems? Solutions?

Mine fridge doesnt even have a thermometer. It was a 1 thru 9 spin dial. You tweak it and pray your food doesnt freeze.
by ponyboy
Tue May 05, 2020 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: [thinking about buying a house in LA, wait for RE crash?]
Replies: 56
Views: 3309

Re: do you expect there to be a housing market crash? If so, when?

Nope..if anything, prices will increase. I have friends who work at a high end cabinet factory. Its currently closed yet orders are coming in, around $600k/week worth. There are dealers all around the country and people want new kitchens. Wait till things are back to normal. There's going to be a ex...
by ponyboy
Tue May 05, 2020 1:21 pm
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16225

Re: Neighbor’s contractor wants to access our property

Is this going to be one of those threads that lives on until the project is complete...so for the entire summer?
by ponyboy
Tue May 05, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: How Long Should A Bed Last?
Replies: 30
Views: 2366

Re: How Long Should A Bed Last?

Memory foam mattresses are one of the biggest scams everyone bought into. They are overall trash.
by ponyboy
Tue May 05, 2020 7:35 am
Forum: Personal Investments
Topic: TIAA Cref Accumulation = Lifetime Income?
Replies: 27
Views: 1398

Re: TIAA Cref Accumulation = Lifetime Income?

macher wrote:
Tue May 05, 2020 5:59 am
ponyboy wrote:
Tue May 05, 2020 5:56 am
Is TIAA a 457b plan? I didnt realize you can withdraw from a 457b plan without the typical 10% penalty like you would experience from a 401k.
No ours isn’t. It’s a 403b. I work for the University of PA.
Ok. Mine probably isnt either since I work at a university too.
by ponyboy
Tue May 05, 2020 5:56 am
Forum: Personal Investments
Topic: TIAA Cref Accumulation = Lifetime Income?
Replies: 27
Views: 1398

Re: TIAA Cref Accumulation = Lifetime Income?

Is TIAA a 457b plan? I didnt realize you can withdraw from a 457b plan without the typical 10% penalty like you would experience from a 401k.
by ponyboy
Mon May 04, 2020 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Return not showing up
Replies: 6
Views: 405

Re: Amended Return not showing up

Thanks for the info. I had no idea they werent processing anything for a while. Ill sit tight until July then try to reach out.
by ponyboy
Mon May 04, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Amended Return not showing up
Replies: 6
Views: 405

Amended Return not showing up

Its been 8 weeks since I sent our amended return in, and it hasnt shown up on the irs site yet. I get the generic: "Your amended return information is currently unavailable in this application. It takes up to 3 weeks for an amended return to show on your account. You can generally expect your amende...
by ponyboy
Mon May 04, 2020 6:06 am
Forum: Personal Investments
Topic: Airline stocks, JETS, DAL, UAL
Replies: 23
Views: 2506

Re: Airline stocks, JETS, DAL, UAL

Ill probably buy some american airline stock today. Thanks to warren, its at a major discount. Ill buy and hold, it'll only be $1k or so. People arent going to stop flying. Within a year or two...no one will care about covid. If there's one thing we know about the human species, we easily forget...m...
by ponyboy
Sun May 03, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Neighbor’s contractor wants to access our property
Replies: 158
Views: 16225

Re: Neighbor’s contractor wants to access our property

Have a lawyer draw up a legal binding document making the neighbor responsible if anything goes wrong...see what the neighbor says to that.
by ponyboy
Thu Apr 30, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17339

Re: Quitting a job after two weeks: relocation expenses

What did you think would happen? You were going to get 3x the pay and have the same amount of work as before? Thats not how it works.

Do what others said...do not quit, let them fire you. Stop working 100 hour weeks. This is a good lesson. Grass is not always greener.
by ponyboy
Tue Apr 28, 2020 6:16 am
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7146

Re: How do you explain no COVID19 Stimulus Payment?

Just tell them you havent received anything yet. People overthink things.
by ponyboy
Tue Apr 28, 2020 6:11 am
Forum: Personal Consumer Issues
Topic: Unable to Order Work Out Equipment
Replies: 45
Views: 3357

Re: Unable to Order Work Out Equipment

I sold a lot of equipment I didnt want or wasnt using much, for a very large profit. I bought my power rack for $400 and sold it for $1200. Olympic weight plates that typically sell for $0.50/lb were selling for $2/lb. It was a fun run, and will probably never happen again. Since gyms are soon to op...
by ponyboy
Mon Apr 27, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

When is a $60k job considered a "good paying job?" I make around that amount and do not consider it a "good paying job." Not wanting to work seems to be a trend with a lot of people. We've had contractors do some work for us over the years. They'll take a 3 day job and stretch it out over a week (an...
by ponyboy
Mon Apr 27, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: DOT: Airlines must offer refunds for cancelled flights (not just credits)
Replies: 109
Views: 9107

Re: DOT: Airlines must offer refunds for cancelled flights (not just credits)

Booked flights through american airlines months ago. My flights havent been cancelled and I had no issue cancelling/receiving all my points and money back. You can now do it online without talking to anyone. Points were put back into my account within minutes.
by ponyboy
Fri Apr 24, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Appropriate Term Life Terms - couple in 30s
Replies: 88
Views: 3929

Re: Appropriate Term Life Terms - couple in 30s

You guys are paying some high prices for 20 year term.

I was 36 when I bought a 20 year term policy through pacific life. I believe it was $32/month for $550k. Wife was 35, $600k policy/20 year, and she's paying around $24/month.
by ponyboy
Wed Apr 22, 2020 10:16 pm
Forum: Personal Investments
Topic: Selling land for same price purchased
Replies: 2
Views: 469

Selling land for same price purchased

This is probably a dumb question, but if you sell a piece of property (land) for the same price you purchased it for, will any of that money be taxed? Im guessing not, but wanted to be double sure.
by ponyboy
Wed Apr 22, 2020 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9214

Re: Parents want me to pay off their mortgage in exchange for title

Thats not adding up. Why would you need to pay off $180k for them to live there rent free? Couldnt you simply start paying the mortgage each month, until they are back on their feet? It doesnt make sense why you would need to drop $180k. Not to mention, if its in your name, you're responsible for th...
by ponyboy
Wed Apr 22, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6102

Re: Are we spending too much on a house? 28yo & 24yo

Too much house for what you guys make. Dont do it. You'll be house poor. Find something to rent. There are so many hidden expenses with owning a home, people have no idea. We own a home now, and love it. We didnt purchase one until we were in our mid 30's. What we pay for upkeep, taxes, insurance, h...
by ponyboy
Wed Apr 22, 2020 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5760

Re: Exit Interview

Either skip it, or tell them politely that you'd rather not answer any questions. Make sure your PTO/vacation is filled out and correct (so you get paid.) Then head for the door.
by ponyboy
Sat Apr 18, 2020 5:56 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5679

Re: Should I buy a new rice cooker from Zojirushi?

Go for it. I have a Tiger rice cooker, and its great. I hear awesome things about Zojirushi too.
by ponyboy
Thu Apr 16, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Portable AC keeps tripping breaker
Replies: 26
Views: 907

Re: Portable AC keeps tripping breaker

There is a portable AC unit that was recently plugged into an outlet in a new house . Where do they build new houses that have less than a 15amp breaker on any circuit? My house was built in the late 90's and my lowest is 20amp. Who in their right mind would still use 15amp? Even for lights, id sti...
by ponyboy
Thu Apr 16, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55515

Re: How to get Toilet Paper ? seriously.

I would encourage everyone to take some peanut butter, smear it on your arm, then wipe it off with a dry napkin. Are you ok with that? Or, would you rather use water to get it off? Yeah...thats the same effect when you wipe down there. You're just smearing stuff around. Get a bidet, they're cheap. I...
by ponyboy
Wed Apr 15, 2020 8:05 am
Forum: Personal Investments
Topic: What single individual stock would you buy?
Replies: 133
Views: 9952

Re: What single individual stock would you buy?

American Airlines, AAL...already bought hsome.