Search found 852 matches

by strafe
Wed Jan 16, 2019 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Boost Emergency Fund or Pay Down Debt?
Replies: 13
Views: 862

Re: Boost Emergency Fund or Pay Down Debt?

The cost (interest rate) of the debt is low enough that I would bolster the emergency fund. You’ll sleep easier with the extra liquidity. Just be sure you don’t spend it on something other than an emergency.
by strafe
Sat Jan 12, 2019 5:33 am
Forum: Personal Consumer Issues
Topic: 30" or 36" induction range for remodel?
Replies: 45
Views: 3308

Re: 30" or 36" induction range for remodel?

You definitely need a gas one. 30" 4 burner, 36" 6 burner or 4 plus center. Strongly recommend BlueStar (for high BTU) although a little pricy (30" $4000, 36" $6000). If you are kind cook at home person, a good high heat gas range is a must. If you are super into cooking and have a big family to fe...
by strafe
Thu Jan 10, 2019 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Switched From W2 to K1 Half Way Through Quarter
Replies: 1
Views: 206

Re: Switched From W2 to K1 Half Way Through Quarter

Does your 2018 W2 withholding get you into one of the estimated tax safe harbors? (I.e. at least 90% of total tax withheld, or at least 100/110% of 2017 tax liability withheld?) If within safe harbor, you don't need to do anything. If not in the safe harbor, I would make a large enough estimated pay...
by strafe
Tue Jan 01, 2019 11:34 am
Forum: Investing - Help with Personal Investments
Topic: VTINX vs a 3 fund portfolio in an HSA
Replies: 3
Views: 397

Re: VTINX vs a 3 fund portfolio in an HSA

Doesn’t sound like it matters much either way. The Target Income fund will be simpler and perhaps marginally cheaper due to the transaction fees. It will be marginally more conservative compared to your proposed 3 fund portfolio due to inclusion of short term TIPS. The Target fund rebalances continu...
by strafe
Sat Dec 29, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4558

Re: Corvette vs Cayman/Boxster......anyone owned both?

Remember the C7 is a quantum leap over older Corvettes. Those describing the Corvette as clunky, cheap, dated or only good in a straight line are undoubtedly taking about older Vettes.
by strafe
Sat Dec 29, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Single Premium Immediate Annuity
Replies: 22
Views: 3227

Re: Single Premium Immediate Annuity

Sometimes in the evening, after consuming a fine IPA, I sometimes think that the Government is holding my tax-deferred accounts hostage. (Ha ha...JOKE, not political...) I can have the money therein so long as I pay a 33% combined ransom. This is my marginal rate, not my effective average rate on m...
by strafe
Sat Dec 29, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: Corvette vs Cayman/Boxster......anyone owned both?
Replies: 57
Views: 4558

Re: Corvette vs Cayman/Boxster......anyone owned both?

You can’t go wrong with either. I suggest you drive both. Both are excellent in their own ways, but very different. You need to figure out what you value most. I do not own either though have driven both extensively. The Corvette is faster both on the straightaway and in the corners. It feels big an...
by strafe
Fri Dec 28, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: How often does VTWSX, or "world cap" ratio update?
Replies: 12
Views: 706

Re: How often does VTWSX, or "world cap" ratio update?

Assuming you make your initial allocation according to world capitalization, you will never need to “rebalance” to maintain a world market cap weighted allocation. Your holdings will rise and fall in tandem with the world market.

(There might be small variations over time due to dividends.)
by strafe
Fri Dec 28, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Paying Student Loans
Replies: 11
Views: 1164

Re: Paying Student Loans

Ran across this the other day. Depending on a program such as this probably isn't the greatest idea. At that, IMO there should be a 'cap' on the amount that can be forgiven. To be proactive, its probably best to minimize the amount one borrows to begin with as many of us did. - https://i.postimg.cc...
by strafe
Thu Dec 27, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Student Loans
Replies: 11
Views: 1164

Re: Paying Student Loans

Currently have 140k in federal student loans. 6.75% interest. On a “income based” repayment plan which forgives loans after 20 years (not public service). I believe the most they will charge me over that 20 years is $1400/mo. But, I have to pay at least $750/mo now to cover interest and keep the ba...
by strafe
Sun Dec 23, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Costco Tire Quality Seconds/Blems??
Replies: 31
Views: 2826

Re: Costco Tire Quality Seconds/Blems??

Sometimes chains like Costco or Discount Tire sell special variants of a tire at a lower price point. For example Costco used to sell the Michelin Defender XT instead of the standard Defender sold everywhere else. The difference was that the XT had a less complex tread pattern. Discount Tire has don...
by strafe
Sun Dec 16, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Honda Pilot - Improving Traction
Replies: 23
Views: 1689

Re: Honda Pilot - Improving Traction

It's not just a matter of tread wear. The tire compound loses grip with the passage of time. If more than 5-8 years old, you should replace them regardless of the tread depth. 4/32" is nearly worn out anyways.
by strafe
Sat Dec 15, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: Volkswagen Reliability
Replies: 102
Views: 5363

Re: Volkswagen Reliability

Have a Mk7 GTI with zero issues since new. Sure, VW may not top the reliability charts. But it’s all relative and everyone is improving over time. Even the worst performing make today is still about as reliable as Lexus was 10 years ago. Volkswagen is trash. 1st hand and 2nd hand experience. That 2....
by strafe
Thu Dec 13, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: Easy app for slideshows over TV?
Replies: 5
Views: 281

Re: Easy app for slideshows over TV?

Easy. Create an album on your iPhone/iPad/Mac with the photos you want. Open the album on the Apple TV and play slideshow.
by strafe
Thu Dec 06, 2018 5:00 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12697

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Not too shabby, specially if it's used as intended (portable alpha) Is VTI the appropriate comparison? I'd think something more like VWENX (Wellington) might be a better match, since it also has a similar makeup. I picked up a few shares (maybe $1200) when Vanguard went live with the new free ETF l...
by strafe
Sun Dec 02, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4474

Re: Please Recommend a New Car for Me

Manual transmissions are generally for enthusiasts, and enthusiasts don’t buy crossovers. Not many options there. If manual is important, best bet might be another Golf or a Honda Civic. It turns out the 2018 Honda HR-V is available with a manual. This checks all your boxes. You might be able to ge...
by strafe
Sun Dec 02, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4474

Re: Please Recommend a New Car for Me

How important is the manual transmission? If not that important, everything else you’ve said points toward a small crossover. Look at Honda, Toyota and Hyundai. Buy whichever one looks and feels right. Manual transmissions are generally for enthusiasts, and enthusiasts don’t buy crossovers. Not many...
by strafe
Thu Nov 15, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: Cremation seminar – with complimentary lunch
Replies: 86
Views: 6458

Re: Cremation seminar – with complimentary lunch

Is your question about the seminar or the provenance of the lunch? I’d guess that it tastes like chicken.
by strafe
Thu Nov 15, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Any space heaters that automatically maintain a temperature in a room!
Replies: 37
Views: 3270

Re: Any space heaters that automatically maintain a temperature in a room!

TLDR: does anyone know of any heaters for a room that can maintain a temperature. For example, most space heaters aren’t useful because they just blast out the heat and get too hot in the middle of night while sleeping. So long story short, my post-grad roommates and I are going to use space heater...
by strafe
Mon Nov 12, 2018 9:02 pm
Forum: Personal Consumer Issues
Topic: Fuel system cleaning for old SUV $269!!
Replies: 17
Views: 1235

Re: Fuel system cleaning for old SUV $269!!

Something’s getting cleaned out. Hint: it’s not the fuel system...

You’ll find no mention of snake oil fuel system or intake treatments in the official maintenance schedule in your owners manual.
by strafe
Thu Nov 01, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17137

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

Wanted to make a follow-up to this surprisingly popular thread. After some more research and test driving, the top contender so far is the VW Golf GTI. The handling and overall fun factor in this little car was surprisingly very good. I don't think there is another car that is this sporty, yet prac...
by strafe
Mon Oct 29, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Anyone using Pillpack?
Replies: 12
Views: 2113

Re: Anyone using Pillpack?

It works well on a stable med regimen. It becomes more complicated whenever changes are made.
by strafe
Fri Oct 26, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Student loans vs House down payment
Replies: 16
Views: 1071

Re: Student loans vs House down payment

How about D: pay the minimum payment on the student loans (i.e. according to the existing amortization schedule) and use your extra funds to build a larger down payment. Rationale: -your current student loan interest costs are ~$50/mo and your employer gives you a $100/mo subsidy. Why would you acce...
by strafe
Fri Oct 12, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 39
Views: 2903

Re: College loan advice?

Are you certain about not qualifying for loans? Neither the federal unsubsidized direct loan nor the parent PLUS loan is need-based. You can obtain these loans regardless of the expected family contribution (EFC) amount. That would require the OP to co-sign or effectively guarantee the loan. OP wan...
by strafe
Fri Oct 12, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1031

Re: Electric Lawn Mower Advice

Ego.

Check out the Wirecutter review as well.
by strafe
Tue Oct 09, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: College loan advice?
Replies: 39
Views: 2903

Re: College loan advice?

Are you certain about not qualifying for loans?
Neither the federal unsubsidized direct loan nor the parent PLUS loan is need-based. You can obtain these loans regardless of the expected family contribution (EFC) amount.
by strafe
Thu Oct 04, 2018 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12155

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

And I don't know if it is true or not, but I was told to turn off AC when moving. The argument is that the cooling load on a house with all its doors open is higher than normal and can strain the system. Sorry, not an ounce of truth to that. It’s analogous to saying you shouldn’t turn on lights at ...
by strafe
Wed Oct 03, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12155

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

And I don't know if it is true or not, but I was told to turn off AC when moving. The argument is that the cooling load on a house with all its doors open is higher than normal and can strain the system. Sorry, not an ounce of truth to that. It’s analogous to saying you shouldn’t turn on lights at ...
by strafe
Sun Sep 30, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Not claiming children as dependents or not? Tax implications
Replies: 11
Views: 1182

Re: Not claiming children as dependents or not? Tax implications

In order for your child to claim the standard deduction, your child cannot be eligible to be claimed as a dependent by someone else. This applies regardless of whether you choose to claim them as dependents or not. (Of course it would be harder for IRS to track if they are not claimed as a dependent...
by strafe
Tue Sep 25, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver/Beard Trimmer
Replies: 21
Views: 1889

Re: Electric Shaver/Beard Trimmer

For beard trimming, you can’t beat the Wahl Peanut.
by strafe
Tue Sep 18, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7769

Re: Leasing Cars in Retirement

I recently bought a boat by "triggering a taxable event." In my case I had funds specifically earmarked for a purchase such as this (car, truck, boat, etc.) So I'd have to ask you - if you're not willing to spend the money on a car, then what else are you using that money for? Put it this way - lea...
by strafe
Tue Sep 18, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 36
Views: 2035

Re: Student Loan Debt Repayment

I’ve looked into refinancing. The best rates out there are around 4-5%. My top rate is 8.5%. Assuming I could lower it by 4%, my repayment amortization would be 5 years, with a bigger chunk of the early payments going towards interest rather than principal. Currently, it’s the reverse (more than 80...
by strafe
Tue Sep 18, 2018 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7769

Re: Leasing Cars in Retirement

I recently bought a boat by "triggering a taxable event." In my case I had funds specifically earmarked for a purchase such as this (car, truck, boat, etc.) So I'd have to ask you - if you're not willing to spend the money on a car, then what else are you using that money for? Put it this way - lea...
by strafe
Sat Sep 15, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Leasing Cars in Retirement
Replies: 98
Views: 7769

Re: Leasing Cars in Retirement

Wanted to get others thoughts on leasing cars in retirement in lieu of triggering an additional taxable event by spending down investments. Thinking $350 or so monthly for three years within mileage allowances, wash and repeat. Pluses are covered maintenance and investments continue to grow. Please...
by strafe
Tue Sep 04, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Does IRS care about short-term loans to family members?
Replies: 8
Views: 1001

Re: Does IRS care about short-term loans to family members?

PFInterest wrote:
Tue Sep 04, 2018 12:08 pm
gift exclusion limit is 15K/person/year.
does that apply here?
by strafe
Mon Sep 03, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 3131

Re: Does leasing car leave me more freedom to invest?

Why is car leasing so bad, especially if it gives me freedom to invest the capital rather than lock it up in a depreciating asset? I feel like that opportunity cost of investing is a huge factor that is often overlooked in traditional advice. [...] So why does the traditional advice discourage leas...
by strafe
Mon Sep 03, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 3131

Re: Does leasing car leave me more freedom to invest?

Dont forget all the stipulations a leased vehicle comes with.. going over on miles etc etc... Not for me I like to own something for my money. I don't understand this argument. Here's the lifecycle of a purchased vehicle: 1. Buy the car for $X. 2. Drive the car, incurring depreciation $Y based on t...
by strafe
Mon Sep 03, 2018 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Does leasing car leave me more freedom to invest?
Replies: 39
Views: 3131

Re: Does leasing car leave me more freedom to invest?

When people on this forum disparage leasing, they almost always fail to recognize the underlying issue: Buying & selling a new car every 3 years is expensive. That's true whether you pay cash or you lease. If you choose to buy a new car every 3 years, leasing is probably the most efficient way to st...
by strafe
Fri Aug 31, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6770

Re: Lexus vs. Mercedes

new2bogle wrote:
Fri Aug 31, 2018 11:23 am
Incidentally, I have two colleagues, one with an E350 and the other with a GS 350. I really do like both of them.
Good that neither car will make you a jerk.
by strafe
Fri Aug 31, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1578

Re: Any advice if I should buy this Used Minivan?

Grand Caravans / Town & Country vans are ubiquitous. No reason to settle for one that’s been in an accident. If they can pony up itemized body shop invoice and photos showing minor extent of damage, and the price is good, then consider it. Otherwise move on. I had a horrible experience with a Dodge...
by strafe
Fri Aug 31, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Peds fellow, Loans automatically put back into deferment, possible future capitalization event?
Replies: 4
Views: 622

Re: Peds fellow, Loans automatically put back into deferment, possible future capitalization event?

Yes. Same thing happened to me. Different servicer. I was paying cash for the degree that triggered the deferment. To my knowledge I never authorized the school to release of any of my information to the national student loan databank. I ultimately avoided interest capitalization, though the “soluti...
by strafe
Fri Aug 24, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Any advice if I should buy this Used Minivan?
Replies: 21
Views: 1578

Re: Any advice if I should buy this Used Minivan?

Grand Caravans / Town & Country vans are ubiquitous. No reason to settle for one that’s been in an accident. If they can pony up itemized body shop invoice and photos showing minor extent of damage, and the price is good, then consider it. Otherwise move on.
by strafe
Wed Aug 22, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Mold in house and insurance won't cover - options?
Replies: 29
Views: 3866

Re: Mold in house and insurance won't cover - options?

What does your insurance policy coverage summary say? Is coverage for mold damage specifically excluded?
by strafe
Wed Aug 22, 2018 5:08 am
Forum: Investing - Help with Personal Investments
Topic: Where should I park money I wont need for 3.5 years?
Replies: 11
Views: 1772

Re: Where should I park money I wont need for 3.5 years?

If you’re hoping to avoid risk, why not leave it in the money market fund?

(Personally I would put it in something like LifeStrategy Income fund (80% bonds/20 stocks))
by strafe
Tue Aug 21, 2018 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Union at Fed job
Replies: 20
Views: 1997

Re: Union at Fed job

Hi y'all. I just started a federal job. At lunch, union people, AFGE, fed us lunch and invited us to join. I am so lost. Why should I join? They take money directly out of your paycheck. For what? Is it worth it? :sharebeer They want you to join because they want your dues money. The dues will be u...
by strafe
Sun Aug 12, 2018 5:21 am
Forum: Personal Consumer Issues
Topic: Liability only car insurance and my car destroyed
Replies: 15
Views: 2880

Re: Liability only car insurance and my car destroyed

looking wrote:
Sat Aug 11, 2018 11:51 pm
Liability only car insurance and my car destroyed

How it works and my insurance company doesn't pay anything to me
Yes.
by strafe
Sat Aug 11, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 1179

Re: 2018/19 Honda Odyssey - which trim level?

EX-L (w/o RES or Nav) is the volume model, and strikes a good balance between helpful features and unnecessary ones. +1 and if it’s similar to our Pilot EXL it has CarPlay so you get smartphone nav on the big dash screen anyway. What I’d be cautious about is the transmissions. Earlier Odyssey’s and...
by strafe
Sat Aug 11, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: 2018/19 Honda Odyssey - which trim level?
Replies: 15
Views: 1179

Re: 2018/19 Honda Odyssey - which trim level?

EX-L (w/o RES or Nav) is the volume model, and strikes a good balance between helpful features and unnecessary ones.
by strafe
Thu Aug 09, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12697

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

it really does not seem that complicated, and it is a strategy that I would not feel comfortable doing myself (that is, managing the futures). its just 90% SP500 with some super liquid futures on the side. doesn't seem that crazy at all to me and has tax benefits. Agreed. This is basic CAPM/efficie...