Search found 1017 matches

by watchnerd
Thu Jan 25, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Buying a house now versus waiting (Bay Area)
Replies: 35
Views: 5314

Re: Buying a house now versus waiting (Bay Area)

A few things to keep in mind: 1) Inventory is extremely limited. I believe in December 2017 there was something like 12 days of inventory available. There really are no homes on the market. Because of that, you need to be prepared to buy immediately, with no contingencies. Average time on the marke...
by watchnerd
Tue Jan 02, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8989

Re: What the experts say about Bitcoins?

abuss368 wrote:
Tue Jan 02, 2018 10:08 pm
Maybe I should start a low cost bitcoin index fund!
What would you index?

Or do you mean a crypto currency index fund?

They're already in the works using ETFs and commodity futures.
by watchnerd
Tue Jan 02, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8989

Re: What the experts say about Bitcoins?

Your bank uses SSL encryption as part of establishing trust in your transactions. That doesn't make SSL, or any product derived from it, either a currency or an investment. As I said earlier, I can imagine Bitcoin one day evolving into a payment system. But we already have many payment systems, and...
by watchnerd
Tue Jan 02, 2018 10:33 pm
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8989

Re: What the experts say about Bitcoins?

My return is now up 77% -> 46% -> 55% since 12/9.

How do I know when to rebalance?
by watchnerd
Tue Jan 02, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8989

Re: What the experts say about Bitcoins?

At their peak, my altcoins purchased 12/9 were up 77%. Now they're up a mere 46%. Is the momentum gone? Should I sell??? What are you holding? Besides some bags of timelocked Bitcoin, I took most my crypto money out to take another big bite out the mortage, max my Roth-IRA and poured into some VT i...
by watchnerd
Tue Jan 02, 2018 3:19 am
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 19774

Re: Why Buy Bonds If You Have A Mortgage?

pezblanco wrote:
Mon Jan 01, 2018 1:50 pm

Am I missing something here? I would appreciate your thoughts.
In a downturn, how will you buy stocks on the cheap / rebalance if you have all your 'bond' allocation devoted to paying down the mortgage?
by watchnerd
Tue Jan 02, 2018 1:07 am
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6855

Re: Did everyone in the early 80s have their money in CDs?

In the early 80s, I didn't have any CDs, all my money was invested in cassettes.
by watchnerd
Tue Jan 02, 2018 1:02 am
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 8989

Re: What the experts say about Bitcoins?

At their peak, my altcoins purchased 12/9 were up 77%.

Now they're up a mere 46%.

Is the momentum gone?

Should I sell???
by watchnerd
Mon Jan 01, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Apple Carplay is high on my list of preferred integrations. OEM car manufacture navigation seems to lag behind smart phones, and at great expense, to boot. CarPlay is absolutely awful, but I suppose you need to evaluate it in relation to the standard cars controls. Totally disagree. My wife's Subar...
by watchnerd
Mon Jan 01, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Apple Carplay is high on my list of preferred integrations. OEM car manufacture navigation seems to lag behind smart phones, and at great expense, to boot. CarPlay is absolutely awful, but I suppose you need to evaluate it in relation to the standard cars controls. Totally disagree. My wife's Subar...
by watchnerd
Mon Jan 01, 2018 3:53 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

OldSport wrote:
Sun Dec 31, 2017 10:06 pm


Exactly. Very much like the MDX Sport Hybrid. The 2018 model adds Apple Carplay & Android Auto & some other tech if you care about that.
The online configurator doesn't seem to allow the hybrid engine choice..... :(
by watchnerd
Mon Jan 01, 2018 1:23 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Have you test driven an Acura MDX Sport-Hybrid? That is a fun SUV to drive, at least for me. I haven't driven that one, just the regular MDX. Is there a big difference? Very much so, IMHO. They are completely different cars. The MDX SH-AWD drives better than the regular MDX, and the MDX Sport Hybri...
by watchnerd
Sun Dec 31, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

I vote for you to go ahead and buy a car that gives you enjoyment. It is too large an investment for it to just be "meh" and no fun. OTOH, I personally would say, "Can't you find a better car than the Land Rover?" My neighbors had one and got stranded in a rural area because it just stopped running...
by watchnerd
Sun Dec 31, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Have you test driven an Acura MDX Sport-Hybrid? That is a fun SUV to drive, at least for me. I haven't driven that one, just the regular MDX. Is there a big difference? Very much so, IMHO. They are completely different cars. The MDX SH-AWD drives better than the regular MDX, and the MDX Sport Hybri...
by watchnerd
Sun Dec 31, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

OldSport wrote:
Sun Dec 31, 2017 6:48 pm

Have you test driven an Acura MDX Sport-Hybrid? That is a fun SUV to drive, at least for me.
I haven't driven that one, just the regular MDX. Is there a big difference?
by watchnerd
Sun Dec 31, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

I'd wait a month or two and see if the concussion wears off by then. Seriously though, if you can't shake the itch, I would only lease one of those and only 2-3 years. Just know you'll be spending a ton of money to rent a fancy car. They are such pieces of junk. I have had several friends have one ...
by watchnerd
Sun Dec 31, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

I'd wait a month or two and see if the concussion wears off by then. Seriously though, if you can't shake the itch, I would only lease one of those and only 2-3 years. Just know you'll be spending a ton of money to rent a fancy car. They are such pieces of junk. I have had several friends have one ...
by watchnerd
Sun Dec 31, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

I thought you said expensive? Discovery Sport looksmawfully run of the mill price wise for SUVs. I came into this thread expecting a Bentley Bentayga. +1 .. Discovery Sport is a cheap wannabe-SUV for SoCal/SF-BA housewives.. IMHO Another vote for the Porsche Macan. Surprisingly affordable - and it'...
by watchnerd
Sun Dec 31, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.
Replies: 39
Views: 7675

Re: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.

Interesting. He projects a 4% return for stocks and 3.1% for bonds. I occasionally regret that I am 65% in bonds, but this helps. What a projection down to the 1/10 of a %. Not sure if I should be impressed or unimpressed with anyone trying to make a prediction so exact on something that no one has...
by watchnerd
Sun Dec 31, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

OP, your intended usage has Toyota 4 Runner written all over it IMHO. Agreed. Go with a 4Runner TRD Pro in inferno, and you have a far a more capable, dependable, practical and frankly more masculine car than a Discovery. The 4Runner is certainly rugged and reliable, but I don't want something base...
by watchnerd
Sun Dec 31, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 12998

Re: Best 401k Employer Match Structure

Microsoft offers 50% match on the total contribution.
by watchnerd
Sun Dec 31, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Didn't see the Porsche Macan in this discussion. I've got a '15 Macan Turbo that has 400hp and 406 ft-lbs of torque. Never used launch control and it mostly sits in the garage, not because I'm afraid to drive it, but because with Amazon Prime etc I just don't need to drive as much. And I take Uber ...
by watchnerd
Sun Dec 31, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1444
Views: 611689

Re: A different approach to asset allocation

This thread has been thrown out as a cautionary tale against leverage. The plural of anecdote is ... For the long time Bogleheads, how might the story have changed with a Taylor 3 fund (probably 2 fund given concept), a steady income stream, cheaper leaverage costs? I am not planning this explicitl...
by watchnerd
Sun Dec 31, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Didn't see the Porsche Macan in this discussion. I've got a '15 Macan Turbo that has 400hp and 406 ft-lbs of torque. Never used launch control and it mostly sits in the garage, not because I'm afraid to drive it, but because with Amazon Prime etc I just don't need to drive as much. And I take Uber ...
by watchnerd
Sun Dec 31, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Why would you sit at the dealership versus getting the loaner car and getting on with your life? And seriously if land rover, BMW, Audi, MB, VW, Chrysler and the rest were as bad as everyone states, nobody would buy them. They are (in general) 2-3x as bad a a honda in those first 6-7 years (unaware...
by watchnerd
Sun Dec 31, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 6706

Re: What is your threshold for paying down debt?

I did a pretty big analysis when I bought my new house to determine if I should pay cash or get a mortgage. In my case, I have the opportunity to participate in an ESPP up to 15% of my salary, but that has to be funded from wages cashflow, not lump sum. So the math worked out better to have no mortg...
by watchnerd
Sun Dec 31, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Sandtrap wrote:
Sat Dec 30, 2017 11:00 pm
Toyota Landcruiser with all options.
j :D
In some countries, that includes armor plating:

Image
by watchnerd
Sat Dec 30, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: BND or VGIT and VGSH?
Replies: 3
Views: 774

Re: BND or VGIT and VGSH?

I hold VGIT.

It's more attractive now that it's pure Treasuries.

It does what it says on the tin, with low ER.
by watchnerd
Sat Dec 30, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Why would you sit at the dealership versus getting the loaner car and getting on with your life? And seriously if land rover, BMW, Audi, MB, VW, Chrysler and the rest were as bad as everyone states, nobody would buy them. They are (in general) 2-3x as bad a a honda in those first 6-7 years (unaware...
by watchnerd
Sat Dec 30, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

You said you enjoyed driving the Porsche and the Audi. Personally I think the Audi is a bland over engineered appliance but the Porsche is spectacular. Why not get one of these sice they clearly made an impression on you and get a rubber trunk liner so your fish guts or whatever don’t get in the ca...
by watchnerd
Sat Dec 30, 2017 8:11 pm
Forum: Personal Consumer Issues
Topic: Your travel tips for Vienna and Budapest?
Replies: 23
Views: 1478

Re: Your travel tips for Vienna and Budapest?

Last year my wife and I did a week trip by rail, coinciding with the end of Oktoberfest. All via train, we went: Munich -> Salzburg -> Vienna -> Budapest Highlights: 1. Seeing Mozart's family home 2. Sacher Torte in Salzburg 3. Opera at the Vienna Opera House 4. Chamber music waltz concert 5. Hapsbu...
by watchnerd
Sat Dec 30, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

The prices on the used pepperwagens aren't too bad, I see several with <30k miles in the $40-50k range.

I'm sure Porsche reliability is better than Landrover, but is it better than average?
by watchnerd
Sat Dec 30, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Go for it if you want it. You can afford it. I am 4 years into a Cayenne and LOVE the truck . I'm trying to understand how a Cayenne could be confused with a truck. I have a friend with a Cayenne. When I see him, I say "nice mini van". He's not amused and lately shows up in his Elise instead. OP......
by watchnerd
Sat Dec 30, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Land Rovers are formidable off-roaders. Since OP expresses zero interest in off-roading, there is no point in considering one since their reliability and resale value attributes both suck. If OP wants true off-road capability, my suggestion would be to look at a Toyota 4Runner TRD Pro, a Jeep Grand...
by watchnerd
Sat Dec 30, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Okay, so far the consensus is: 1. The reliability really is truly awful: https://jalopnik.com/my-range-rover-s-carmax-warranty-is-now-half-over-and-i-1733772237 https://www.youtube.com/watch?v=QJNO6p54bUI 2. The cars are designed for first owners, and fall apart after that 3. With #2, buying without...
by watchnerd
Sat Dec 30, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

I'm confused because for the 2018 models: 2018 Nissan Murano Platinum: starts at $41,980 2018 Land Rover Discovery Sport HSE LUX: starts at $46,795 Those are the respective top of the line models, according to a quick google search. You can get into a base model Discovery Sport new 2018 for $37k st...
by watchnerd
Sat Dec 30, 2017 1:56 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

You said you enjoyed driving the Porsche and the Audi. Personally I think the Audi is a bland over engineered appliance but the Porsche is spectacular. Why not get one of these sice they clearly made an impression on you and get a rubber trunk liner so your fish guts or whatever don’t get in the ca...
by watchnerd
Sat Dec 30, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

sunny_socal wrote:
Sat Dec 30, 2017 12:04 pm
I recommend Volvo XC90, best vehicle we've ever had:

viewtopic.php?f=11&t=233609&hilit=volvo
No offense, but I just can't be a Volvo guy.
by watchnerd
Sat Dec 30, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

michaeljc70 wrote:
Sat Dec 30, 2017 10:07 am
I would think about the frustration/aggravation everytime something breaks. Are you going to have a backup vehicle?
Wasn't planning to, but after reading that Carmax story.........hrrrrm.
by watchnerd
Sat Dec 30, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

If this were 3 years ago, I would have suggested CarMax's MaxCare. CarMax offered a six year bumper-to-bumper warranty for some of the most unreliable vehicles on the planet. You can read about Doug DeMuro's adventures with his Range Rover that he bought with the warranty, and all of the assorted r...
by watchnerd
Sat Dec 30, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

@watchnerd, Based on your avatar and username, I assume you like watches? Maybe get one of these instead of a Discovery: http://www.savingadvice.com/forums/picture.php?albumid=188&pictureid=385 Retail is about the same for a 2 year old Discovery. I owned that one for about 3 months and sold it as I...
by watchnerd
Sat Dec 30, 2017 9:16 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Frisco Kid wrote:
Sat Dec 30, 2017 7:32 am
OP, your intended usage has Toyota 4 Runner written all over it IMHO.
How so?
by watchnerd
Sat Dec 30, 2017 3:18 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

You said you enjoyed driving the Porsche and the Audi. Personally I think the Audi is a bland over engineered appliance but the Porsche is spectacular. Why not get one of these sice they clearly made an impression on you and get a rubber trunk liner so your fish guts or whatever don’t get in the ca...
by watchnerd
Sat Dec 30, 2017 3:06 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Seems like you can afford it. Does the great interior, good looks, and "douche factor" outweigh the impracticality for you? I slightly disagree with the douche factor and agree with the good looks and great interior. But I'd still never buy one because it's plain dumb. I'm a practical "car guy," no...
by watchnerd
Sat Dec 30, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Bored? Try bungee jumping instead. Or zip lining across the Mississippi river. But a Lamd Rover? I've done skydiving, am a regular scuba diver, and have been ultralight flying / hang-gliding over Vatnajokull glacier in Iceland. But I can't really do those on a daily basis. Are you limited to an SUV...
by watchnerd
Sat Dec 30, 2017 1:06 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

corn18 wrote:
Sat Dec 30, 2017 12:40 am
Discovery doesn't meet your criteria for expensive and stupid. The Land Rover Range Rover Sport SVR is what you really want.
Wow, are you so right.

575 HP Supercharged V8.

4.3 0-60.

MPG = TBD (?? really ??)

$113k

For that price, one could buy an actual near super car sports car.
by watchnerd
Sat Dec 30, 2017 12:12 am
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

NYCguy wrote:
Sat Dec 30, 2017 12:00 am
Go for it if you want it. You can afford it. I am 4 years into a Cayenne and LOVE the truck.
The Cayenne is really nice. I've been in a few and found them to be amazing driving machines given the size.

But I'd feel bad getting fish guts and the like on it.
by watchnerd
Fri Dec 29, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

TimeRunner wrote:
Fri Dec 29, 2017 11:21 pm
Consider a lease.
Ugh...I'm debt free. I really don't want to have financial shackles again, even if it does make fiscal sense in the context of a car warranty.
by watchnerd
Fri Dec 29, 2017 11:52 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

Dottie57 wrote:
Fri Dec 29, 2017 11:46 pm
Bored?

Try bungee jumping instead. Or zip lining across the Mississippi river. But a Lamd Rover?
I've done skydiving, am a regular scuba diver, and have been ultralight flying / hang-gliding over Vatnajokull glacier in Iceland.

But I can't really do those on a daily basis.
by watchnerd
Fri Dec 29, 2017 11:16 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 11023

Re: I Want to Buy a Horrible, Expensive Car

A few years ago, I felt the same way. Even after a few years of looking around, never did find anything that was comparable to me. But I talked myself out of it because my last SUV was a hassle as far as maintenance and repairs. I was not ready for that again. If I had been prepared to do more of t...