Search found 100 matches

by thatme
Mon Apr 15, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

... Wow! Never mind then. Now only two choices remain: Buy complete crap from Target/Walmart or buy more bike than you need from the LBS. :( You are overlooking the Bikes Direct option. Good selection of decent bikes shipped to your door. Minor assembly required. I've purchased from BD before and i...
by thatme
Mon Apr 15, 2019 6:30 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

AerialP wrote:
Sun Apr 14, 2019 10:25 pm
Depending on your location, if it is relatively convenient I would suggest also considering a visit to an REI store (https://www.rei.com/) to see what they may have to offer you in your research. They strike a good balance between LBS & big-box.
+1, not a bad suggestion.
by thatme
Mon Apr 15, 2019 6:29 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

One good option is Performance Bike As an aside, they recently went out of business. Regardless, the advice to buy from a bike shop is sound. Buy from the one who spends some time to make sure you are on one that fits you--a bike that fits gets ridden. I had no idea, thanks for the heads up. I thin...
by thatme
Sun Apr 14, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 67
Views: 4703

Re: Where To Get New Bikes

One good option is Performance Bike. It's a chain LBS but they sell their own house brands and are typically a fair bit cheaper than Trek/Specialized (they almost always have 20-30% off sales if you wait a few weeks too -- or at a minimum, you can get 20-30% back in "points" to be used to buy access...
by thatme
Fri Apr 05, 2019 8:47 pm
Forum: Personal Consumer Issues
Topic: 4 days in Munich, Germany
Replies: 28
Views: 1746

Re: 4 days in Munich, Germany

I love, and have done, most of these. The only thing I would add is that it might be fun to rent a car for a day or two and get out to the countryside. We did, and it was the highlight of the trip. We did it initially because there was a niche factory tour we wanted to do about 90 minutes from the c...
by thatme
Thu Feb 07, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Question for gearheads on Honda Pilot/Passport reliability
Replies: 46
Views: 2564

Re: Question for gearheads on Honda Pilot/Passport reliability

I have a 6-year old Pilot with 170K miles. It started to show its age in the last 20K miles (mainly needs some suspension maintenance, brake pads are wearing more quickly, etc.). We really need a bigger vehicle so we haven't sunk the money into it and will likely sell it soon - but it's been super r...
by thatme
Wed Feb 06, 2019 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Strategies/timing for financing law school
Replies: 14
Views: 793

Re: Strategies/timing for financing law school

You won’t need to co-sign — the school will gladly give her numerous amounts of Grad Plus loans on top of the $20,500 you mention. I would think the prudent course would be to spend the 529 money and only take out loans when absolutely necessary. In my law school class there were a number of people ...
by thatme
Wed Jan 23, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21788

Re: Why doesn't a lot of money feel like a lot of money?

What's funny, when I was young, when I didn't have any money, I'd take $1000-$1500 to Vegas no problem, without even thinking about it. Now, when I have plenty of money, $1000 sounds like a lot of money, and it wouldn't be much fun to lose that much. This is so true. We’ve been debating buying a ne...
by thatme
Mon Dec 31, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 15
Views: 2366

Re: Buying a Mountain Condo

Bumping my own thread after ~4 years. I’ve continued looking into this ever since, and we’re finally under contract on a cabin in southern Wyoming. After numerous years of renting in Granby/Grand Lake, we decided that the I-70 traffic was something we didn’t want to deal with for the long-term. Abou...
by thatme
Mon Dec 31, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: iPad vs iPadPro
Replies: 20
Views: 1868

Re: iPad vs iPadPro

I recently upgraded from a 5-year old iPad to the new Pro (went with the 11” screen). The keyboard integration on the Pro is AMAZING. I initially bought the pencil but returned it because it just didn’t seem that useful for my applications. I use it for work a lot and marking up PDFs, but I prefer u...
by thatme
Tue Dec 11, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Funding tIRA from joint taxable account?
Replies: 7
Views: 524

Re: Funding tIRA from joint taxable account?

Correct me if I'm wrong, but I don't believe that you can do an "in kind" transfer if that's what you are looking for. Would it count as an in-kind transfer if I just leave the money in cash/money market once it goes into my taxable account? If so, then it sounds like just leaving it in my checking...
by thatme
Tue Dec 11, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Funding tIRA from joint taxable account?
Replies: 7
Views: 524

Re: Funding tIRA from joint taxable account?

Correct me if I'm wrong, but I don't believe that you can do an "in kind" transfer if that's what you are looking for. Would it count as an in-kind transfer if I just leave the money in cash/money market once it goes into my taxable account? If so, then it sounds like just leaving it in my checking...
by thatme
Mon Dec 10, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Funding tIRA from joint taxable account?
Replies: 7
Views: 524

Re: Funding tIRA from joint taxable account?

Thanks for the confirmation!
by thatme
Mon Dec 10, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Funding tIRA from joint taxable account?
Replies: 7
Views: 524

Funding tIRA from joint taxable account?

Hello — hopefully a simple question. I did the backdoor Roth IRA this year for both my wife and I (at Vanguard). We also have a small taxable account at Vanguard. Can I go ahead and transfer $12K (2019 contribution limits for her and I) into our joint Vanguard taxable account now and then in January...
by thatme
Fri Nov 16, 2018 9:31 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6820

Re: Ally just raised Online Savings accounts to 2% APY

Marcus (Goldman Sachs) raised to 2.05% a few weeks ago.
by thatme
Thu Nov 15, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 53
Views: 6229

Re: Accuracy of Zillow/Trulia/Redfin Estimates

If you have redfin call them up and ask for their free evaluation. It has no strings and is great. They take a look around your property then a couple days later they do all the work and give you an estimate of the house worth in the current climate. Good luck. I sold my last house, and bought my l...
by thatme
Thu Nov 15, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 53
Views: 6229

Re: Accuracy of Zillow/Trulia/Redfin Estimates

I think it can depend heavily on how cookie cutter your neighborhood is. In my old neighborhood, which was older homes, quite varied, Redfin and Zillow were more than $100K off — I had also done a lot of updating to the house, which it obviously didn’t know about. In my current neighborhood, cookie ...
by thatme
Thu Nov 08, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Best LSAT course?
Replies: 20
Views: 1075

Re: Best LSAT course?

TestMasters, BluePrint Prep, or PowerScore. The latter two are very similar to TM (started by/related to former TM people), so it can come down to schedule and what's available near you. I would stay away from Princeton Review or Kaplan for the reasons stated above. Source: me. I used to work for on...
by thatme
Tue Nov 06, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7767

Re: Never thought of living in Bay Area but just got a call from Tesla

MikeZ wrote:
Tue Nov 06, 2018 1:54 pm
Usually home by 5:40 each night.
The COL is what it is -- but the above, assuming you want to keep that work/life balance, is why I would stay far away.
by thatme
Wed Oct 31, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 2992

Re: Sell land at a loss or keep?

Are there other lots for sale in this gated community? If yes, you have comps that buyers will compare your lot to. If not, maybe not so clear cut. It doesn’t sound like you’re in any big hurry. List it for $110k. Doesn’t sell? You lose nothing. Pull it off the market for a year then relist. I've b...
by thatme
Mon Oct 22, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Buy, Sell, or Hold - Car Dilemma
Replies: 7
Views: 588

Re: Buy, Sell, or Hold - Car Dilemma

Thanks for the thoughtful replies so far. Thoughts are divided, which is why I was feeling indecisive myself too. I will definitely check about whether the Odyssey is due for maintenance repairs too. A brother-in-law suggested that we swap the titles between one of our vehicles and the Odyssey, the...
by thatme
Wed Oct 17, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6742

Re: Personal Adventure - recommendations

While a shorter trip (7 days), I've done the RAGBRAI twice and I would recommend it to anyone. It's probably not a proper "adventure," but it's a heck of a lot of fun.

https://ragbrai.com/
by thatme
Thu Oct 11, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Anyone here major in Economics in college?
Replies: 92
Views: 7468

Re: Anyone here major in Economics in college?

I went to big state U and minored in Econ (majored in Poli Sci, went to law school). If I recall correctly, my school offered both hard econ and easy econ -- both will get you a degree in Econ, but different degrees. Hard econ = BS in Econ, requires lots of math, calculus, etc. Easy Econ = BA in Eco...
by thatme
Mon Oct 08, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 456
Views: 35362

Re: Talk me out of buying a Tesla Model 3

Using torque figures as a comparison figure: Corolla - 128 lb-ft Leaf -- 236 lb-ft Tesla 3 - 307 lb-ft You shouldn't go out and buy a Leaf because you clearly don't want one, but it's not as far off as you might imagine in terms of a key performance metric. It's zippy as hell off the line. No, not ...
by thatme
Mon Oct 08, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 456
Views: 35362

Re: Talk me out of buying a Tesla Model 3

I picked up a 2017 Leaf last year for $12,500 + tax (brand new, after federal and state tax breaks and a discount from the local utility company). It's probably 40% of what the Tesla 3 is, for way less money. Fun to drive, but the EV interest begins to wear me out in the winter around here -- signi...
by thatme
Mon Oct 08, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 456
Views: 35362

Re: Talk me out of buying a Tesla Model 3

I was recently in this position. I decided on the 2018 Leaf. It's not as nice as the Tesla, no doubt. But it ran me ~$30k after tax incentives, and I would say it's easily 50% of the car the Tesla is. So the decision comes down to whether the extra benefits of the Tesla are worth the $45k surcharge...
by thatme
Sat Oct 06, 2018 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I take a pretty big pay cut to become a diplomat?
Replies: 32
Views: 3971

Re: Should I take a pretty big pay cut to become a diplomat?

The other thing to consider is whether your family can accompany. I'm not an FSO but I recall reading that some assigments allow the family to come, and others do not. What if your first assignment allows it, but a subsequent assignment does not? Are you prepared to either leave the position or be a...
by thatme
Sat Sep 29, 2018 7:49 am
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 5708

Re: Playing with FIRE(Financial Independence) documentary trailer.

Would watch on Netflix, wouldn't pay $20. It's probably interesting, but lacking in real substance.
by thatme
Mon Sep 17, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 5118

Re: Dilemma: Add room to current house or buy new house?

scorp_pccorp wrote:
Mon Sep 17, 2018 3:29 pm


We have our home theater setup in the master bedroom on the 2nd floor (separate space off the room exists for just that purpose).

This sounds awesome, I would really like that. We like to spend time upstairs but the only real option is to sit in bed and watch TV.
by thatme
Mon Sep 17, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 5118

Re: Dilemma: Add room to current house or buy new house?

How many kids? What ages? I've got ~5200 square feet finished (including the basement; about 3800 square feet above grade), but have five kids and two big dogs. It sometimes feel ridiculously oversized (particularly if I happen to be home alone) but when everyone is doing something in different part...
by thatme
Wed Sep 12, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16918

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in se...
by thatme
Wed Sep 12, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16918

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in se...
by thatme
Wed Sep 12, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16918

Re: iPhone XS Max

My two-year old 8 Plus (I think, whatever was introduced two years ago) is due for an upgrade, largely due to the poor battery life. I have to recharge multiple times throughout the day. I'm definitely a heavy user for work, but don't watch movies or anything on it. Under the "battery health" in set...
by thatme
Wed Sep 12, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Mr.No - another should I pay off my mortgage, post
Replies: 31
Views: 2752

Re: Mr.No - another should I pay off my mortgage, post

I'm currently contributing any additional savings each month 1/2 to extra mortgage principal, and 1/2 to taxable. My mortgage rate is similar, I can deduct the interest, but I'd like to chip away at it and pay it off over the next 10 years (have further to go than you). I'd recommend something simil...
by thatme
Sat Aug 11, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 1231

Re: Advice requested: making a HO claim for a roof/hail

Thanks for all of the responses. I received a good reference for a local roofing company. I’ll call them on Monday.
by thatme
Sat Aug 11, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 1231

Re: Advice requested: making a HO claim for a roof/hail

We had a roof damaged by hail. I don't recall anything special about rates happening later. Hail instances should already be baked into your rates. You can call your insurance company and say, "all the houses around me are had hail damage to their roofs, so I suspect we did, too." If your insurance...
by thatme
Sat Aug 11, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 1231

Re: Advice requested: making a HO claim for a roof/hail

Have an adjuster climb up on your roof and check for damage. If there is damage that warrants replacing the roof, replace it. The reason I haven't done this is because I read that if I initiate a call to my insurance, they inspect, and they find no damage (or if they find minimal damage and we deci...
by thatme
Sat Aug 11, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Advice requested: making a HO claim for a roof/hail
Replies: 21
Views: 1231

Advice requested: making a HO claim for a roof/hail

I've been trying to decide whether to make a homeowner's claim for my roof after a recent hail storm and would like some advice. Background: live in Colorado and we've been having epic hail storms this summer (you may have seen the news story of zoo animals being killed recently). My neighborhood wa...
by thatme
Thu Jul 12, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 367
Views: 21276

Re: COMING SOON: BOGLEHEADS PODCASTS

Talking (Bogle)heads
by thatme
Wed May 23, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 6336

Re: New 2018 Nissan Leaf (with 150 mi range)

Paid $12,500 plus tax for one of the last 2017 Leafs after the improved 2018 was announced (after all tax credits and negotiation). Love it, is perfect as a second car/commuter car. Interestingly, the arrival of the 2018 seems to have driven up the prices on the 2015-2017 used market in my area, pro...
by thatme
Wed May 23, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 23
Views: 2867

Re: Factory Five build cars

I've considering building a FFR Cobra, and hope to do it one day. The one thing that scares me a bit is the bodywork. I think the mechanical piece of it would be fun, but the bodywork is not really something I'm interested in. Maybe when my son gets a bit bigger -- I've got the space and most of the...
by thatme
Tue Mar 13, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: Redfin implicit hidden costs.
Replies: 23
Views: 5322

Re: Redfin implicit hidden costs.

My understanding is that Redfin sends out an on-call agent to show a buyer a property so that the actual buyer's agent typically was not inside the house being purchased. This would limit the agent's ability to provide full representation to a buyer-- an analysis of comparable sales and a price opi...
by thatme
Thu Feb 15, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 16361

Re: What big item (>20k) are you saving up for?

A piece of property in the mountains to build a cabin on.
by thatme
Mon Feb 12, 2018 10:54 am
Forum: Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 15
Views: 1725

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

My wife is also a Colorado school employee invested through PERA. We looked into the 403b options for her district a while back and they were HORRIBLE. The most incredible fees I've ever seen-- fees to get started, fees to stop, fees is you switch jobs, monthly account fees, withdrawal fees down the...
by thatme
Wed Feb 07, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Re: Vacation options for wide age-range of children?

It’s been decades but we used to go to this place as kids http://www.callawaygardens.com It would be a bit of a haul for you. Stay in cabins, Golf, biking trails, man made lake with water skiing inckuding lessons, and Florida state circus is there in summer and has weekday programs and activities f...
by thatme
Wed Feb 07, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Re: Vacation options for wide age-range of children?

Just thought I'd post a follow-up: As a result of this thread, we started looking into Lake Travis and it was perfect for what we wanted. We reserved a lake house through airbnb last night -- $240/night (including all fees and taxes) for six nights, a few blocks from the lake, restaurants, and a mar...
by thatme
Tue Feb 06, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Re: Vacation options for wide age-range of children?

I might be biased since I live close enough to Galveston to avoid it. For Texas beaches, Mustang Island or South Padre Island would be my choices. For something like this, you have to decide if you are going to cook every evening or go out. Generally, it is not a problem to eat breakfast and lunch ...
by thatme
Tue Feb 06, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Re: Vacation options for wide age-range of children?

OP, I live just north of you. We have taken road trips with our kids ever since they were born. If you have not been to Yellowstone, I highly recommend it. I didn't see mention of the length of the trip. Here are my recommendations. 1 week trip: drive to Jackson and spend the night, next day drive ...
by thatme
Tue Feb 06, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Re: Vacation options for wide age-range of children?

Great recommendations, thank you. To answer a few questions: I should have been more clear -- this is planning for a summer vacation (so no skiing, etc.). I know many of the popular things fill up (beach houses, Yellowstone) so we're trying to get our heads around this soon. No real chance of a rela...
by thatme
Mon Feb 05, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Vacation options for wide age-range of children?
Replies: 27
Views: 2177

Vacation options for wide age-range of children?

This forum is very knowledgeable so I’d like a few vacation recommendations if you don’t mind. The problem is the age spacing — 2 adults, 4 kids aged 8-11, and 1 INFANT (approximately 10 months this summer). We’re in Denver if that helps, and we’re open to flying or driving — but for financial and l...