Search found 841 matches

by strafe
Sun Dec 16, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Honda Pilot - Improving Traction
Replies: 23
Views: 1598

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: 5071

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: 259

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: 12330

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: 52
Views: 3984

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: 52
Views: 3984

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: 6363

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: 3239

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: 1218

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: 17031

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: 1980

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: 1061

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: 2889

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: 1020

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: 2889

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: 12054

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: 12054

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: 1162

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: 1868

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: 7724

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: 1998

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: 7724

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: 7724

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: 989

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: 3115

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: 3115

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: 3115

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: 6691

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: 1545

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: 619

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: 1545

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: 3855

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: 1760

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: 1988

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: 2871

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: 1157

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: 1157

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: 12330

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...
by strafe
Thu Aug 09, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12330

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

I don't see the mystery. Here's my hack explanation for what the fund is doing. It would be better if I were twelve. It owns 90% large cap stocks. It has 10% invested in cash. It has 60% notional exposure in a mix of 2, 5, 10, and 30-year Treasury futures contracts. This is the source of the levera...
by strafe
Mon Aug 06, 2018 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Is 12.4% SE tax on first $127,200 per business or per tax payer?
Replies: 5
Views: 663

Re: Is 12.4% SE tax on first $127,200 per business or per tax payer?

Schedule SE includes self-employment income from all sources. It is not specific to a single business. See the IRS instructions for the the form.

The Social Security wage ceiling is per taxpayer.

You should consider hiring an accountant.
by strafe
Sun Aug 05, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?
Replies: 7
Views: 640

Re: Pay off loans (even though I qualify for forgiveness) by selling taxable investments?

thejourney wrote:
Sun Aug 05, 2018 1:11 pm
Just to be clear, there is no tax on loan forgiveness. PSLF is tax-free.
For additional clarity— PSLF is tax free, but other forms of loan forgiveness, which are not conditioned on public service employment, may be taxable.
by strafe
Sat Aug 04, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: If everybody indexed, the only word you could use is chaos, catastrophe
Replies: 107
Views: 16726

Re: If everybody indexed, the only word you could use is chaos, catastrophe

I learned in high school chemistry/physics that it was theoretically possible that, in a freak accident of Brownian motion, all the oxygen molecules in the room could congregate in the back corner and cause everyone to suffocate. No need to lose any sleep over this! The probability of such an occure...
by strafe
Thu Aug 02, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Pay off Student Loan vs Taxable Account/Liquidity
Replies: 9
Views: 553

Re: Pay off Student Loan vs Taxable Account/Liquidity

I would do whatever helps you sleep easier at night. If you're not sure, split the difference. In contrast to the previous posters, I think it would be wiser to build up some liquidity/reserve before paying accelerating debt repayment, so long as you trust yourself not to spend it. Paying off debt i...
by strafe
Tue Jul 31, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3426

Re: Best MacBook Value

We have 3 MacBook Airs and the screens seem perfectly fine to me. For what we do, the screen is great. We've had ours for about 4 years and I've had absolutely no complaints. Have you looked at the screen on a Macbook Pro? It's lightyears ahead of the one on the Air. The MBA has a resolution of 144...
by strafe
Mon Jul 30, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3426

Re: Best MacBook Value

13" Macbook Pro. There is no need to upgrade the processor or memory for your intended use. The Air is outdated, has an inferior screen and should be avoided. The choice of storage capacity depends entirely on how much you need. Cloud-based storage reduces the amount you need on your laptop though t...
by strafe
Sun Jul 29, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: Experience Buying Lexus NX300?
Replies: 1
Views: 589

Re: Experience Buying Lexus NX300?

Most vehicles have active discussions on pricing on either Edmunds or a model specific forum.

You should head over to Club Lexus.

See this thread to start:
https://www.clublexus.com/forums/nx-mod ... se-54.html
by strafe
Sun Jul 22, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Best luxury vinyl plank flooring?
Replies: 19
Views: 2055

Re: Best luxury vinyl plank flooring?

I’m curious what features distinguish a “luxury” vinyl floor from the non-luxury variety. Is vinyl more desirable than hardwood these days?
by strafe
Sat Jul 21, 2018 6:09 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a cordless electric mower
Replies: 21
Views: 1901

Re: Looking for recommendations on a cordless electric mower

Get the EGO 21-inch mower (at Home Depot).
If you think your yard is too small for a push mower, then buy a Scott’s reel mower, which has the most consistent cut.
If all else fails, buy a goat.
by strafe
Thu Jul 19, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6113

Re: Which minivan?

I test drove the Limited Pacifica. [...] The Honda I purchased is a 2018 EX which has only cloth seats and no moonroof or vacuum. The engine and road noise are supremely quiet, but when power is needed the transmission is very smooth and the exhaust sound can be sporty. The Chrysler, to me, seemed ...