Search found 806 matches

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: 2553

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: 995

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: 995

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: 114
Views: 5976

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: 114
Views: 5976

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: 600

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: 577

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: 90
Views: 13221

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: 466

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: 3063

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: 3063

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: 509

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: 1761

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: 1734

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: 5586

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 ...
by strafe
Thu Jul 19, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 5586

Re: Which minivan?

I would add the Chrysler Pacifica to your short list and remove the Sienna . The Pacifica has been winning most minivan comparison tests, though probably won't be quite as reliable as the Honda. The Sienna is outdated. Of note, there's a steady supply of Pacificas coming in from rental car fleets. ...
by strafe
Thu Jul 19, 2018 6:43 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 433
Views: 55356

Re: Flaunt Your High-Mileage Car

The average car on the road is 12 years old, which roughly translates to mileage of 150-180k.

Most of the "high mileage" cars in this thread are <200k and some even <100k miles. That's not high mileage. That's merely average.

Come on, where are the 300k and 400k+ mile cars?
by strafe
Sun Jul 15, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 6759

Re: Are Credit Cards Actually Convenient?

I’ve never heard of anything like this. There must be more to the story.
by strafe
Thu Jul 05, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 8181

Re: Tipping at non sit down places

Is there any assurance that credit card tips at counter service restaurants actually go to employees?
by strafe
Wed Jul 04, 2018 5:16 am
Forum: Personal Consumer Issues
Topic: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?
Replies: 25
Views: 1549

Re: 1991 Honda Civic, 160k. Is it time for a new car? or newer used car?

Based on your priorities I would get a used Prius (2010 or newer) in the 5-10k range. It will be worlds nicer than a 91 civic.
by strafe
Sun Jul 01, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2432

Re: replace old central AC unit?

I don't understand all these people saying that keeping a house at 70 is hard. I have a house built in 86 with an old unit and keep mine at 70-71 all summer when it is 90-100 every day in Dallas. I think that depending on where in the country you live they may undersize units Yes, design temperatur...
by strafe
Sun Jul 01, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: replace old central AC unit?
Replies: 32
Views: 2432

Re: replace old central AC unit?

Random_walker and jminv gave you some good advice. Your A/C should be sized for "design" conditions, which assumes a normal indoor temperature & humidity (usually 75 F / 50% RH) and 99th percentile outdoor temperature (probably 95F if you are in NC). This load calculation is done using something cal...
by strafe
Mon Jun 25, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving my job with no replacement - ok to get a new car loan now?
Replies: 11
Views: 1144

Re: Leaving my job with no replacement - ok to get a new car loan now?

I think the question is whether you should buy a new car now, rather than how you should pay for it. I personally would wait to replace the car during this time of uncertainty. But if you must buy the car, I don't think it makes a difference whether you pay cash or get the loan. Just be sure to main...
by strafe
Mon Jun 25, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard LifeStrategy Minus International Bonds
Replies: 5
Views: 729

Re: Vanguard LifeStrategy Minus International Bonds

which life strategy fund are you considering? wellesley fund is roughly comparable to life strategy conservative growth balanced index & STAR & Wellington funds comparable to LS moderate growth 90% total world stock index + 10% kept in cash (money market) might be roughly comparable to LS aggressive...
by strafe
Sun Jun 24, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12084

Re: When did you start flying business class?

High 6-figures is more than $666,000 a year to me, so with only $12K monthly expenses, I'd say go for first class. I thought the same thing. If someone is making >$500,000 and complaining about $24,000 in airfare -- especially when they said they hate flying coach -- they need a bit of a reality-ch...
by strafe
Mon Jun 18, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5423

Re: How much car to buy reasonably?

You should buy a 5 door 2018 GTI with DSG (or stick). No more, no less. $25k out the door - go ahead and buy new if you want and keep for 10+ years. Why GTI? May I ask? I doubt any car on the market will bring you more fun per dollar than the VW GTI. Go test drive one, you'll see. This review about...
by strafe
Sun Jun 10, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: The effect of a difficult last name on employment prospects...
Replies: 43
Views: 3682

Re: The effect of a difficult last name on employment prospects...

First names might have a bigger impact than last names.

Lay press coverage here and here of a cross-sectional study a few years back that concluded the shorter your first name, the higher your earnings.
by strafe
Sun Jun 10, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: 35 and Need Help With Building Wealth
Replies: 55
Views: 6858

Re: 35 and Need Help With Building Wealth

Two comments: I work in sales so It's $13.85 + commission. Also it's work from home so $0 commute and 0 minutes commuting time. Also it allows me to work on my websites between calls, which is how I generate Adsense income. While I could find a job that pays more, the trade off would be less time to...
by strafe
Tue Jun 05, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?
Replies: 55
Views: 5368

Re: New AC Unit broken or "feezing". HVAC company says it's my fault for "running it too hard". What can I do?

I need some advice with yet another consumer issue. I bought a brand new HVAC system almost exactly 1 year ago from an HVAC company in my area. They installed the system and removed the old system. It worked great through last Summer and Winter, and so far this Spring. I replace the filter every mo...
by strafe
Sat Jun 02, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Rental property sanity check
Replies: 6
Views: 838

Re: Rental property sanity check

I’m not sure I understand the math:
Gross rent $1800
- Mortgage $800.
- Operating expenses (maintenance, capital improvements, property management, vacancy allowance) not mentioned but probably $500-$1000/Mo
= slim margin

I don’t think this works unless you can charge higher rent.
by strafe
Thu May 31, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Investing vs Paying down loan
Replies: 9
Views: 1142

Re: Investing vs Paying down loan

Right now I have an extra $500/month that I am currently sending to my emergency savings account. Even though employment is secure and have 7 months of expenses saved up, I prefer to have a bigger savings balance (1 year worth of expenses) . Should I direct those funds to maximize my retirement acc...
by strafe
Wed May 30, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Vehicle Advice for new Boglehead (4Runner)
Replies: 45
Views: 2468

Re: Vehicle Advice for new Boglehead (4Runner)

What is it about that particular truck/model that you like? Off road capability? Appearance? Body on frame build? Toyota reliability? All of those things interest me. I figured it's too much $$ for where I am now - just didn't know for sure if it'd matter that I planned on keeping it for 10 plus ye...
by strafe
Sun May 27, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 90
Views: 10169

Re: Peloton spin bike worth the high cost?

Look at a road bike + indoor trainer + Zwift as cheaper and IMO more interesting alternative. Or the Concept2 BikeErg + Zwift.
by strafe
Sat May 26, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Rowing machine
Replies: 32
Views: 2664

Re: Rowing machine

There is no rowing machine worth buying other than the concept2. Resale value is excellent as well, so there is limited risk. Get the model D. The WaterRower is also well made but is more a piece of furniture than a serious work out tool. The concept2 app ecosystem is exceptional. Connects to Strava...
by strafe
Sat May 26, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 2879

Re: Near commercial level treadmill

Have you read this article?

Your price range seems to put you in no-man's land between a gussied up consumer/home treadmill and the high end commercial units.
If you want the best, look at Woodway.
by strafe
Sat May 26, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4675

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

No one has mentioned the Vanguard Managed Payout fund. It might work, though probably focuses too much on capital preservation for someone retiring in their 70s. I still think the SPIA would be better.
by strafe
Sat May 26, 2018 6:36 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4675

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

This is a case where I would explore buying a single premium immediate annuity for a large portion of the portfolio (perhaps up to half, with the remainder in equities). I also agree that an immediate annuity (with inflation adjustment) is definitely something to strongly consider in this kind of s...
by strafe
Sat May 26, 2018 5:23 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 17340

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Stepping back, I think you should enjoy the moment where you have the difficult decision, at age 36, to either pay off the $200k+ mortgage and own your house outright, or invest in your $1M+ portfolio. Sweet. +1 For all the strong opinions on this topic, in the end, the difference between either st...
by strafe
Sat May 26, 2018 5:18 am
Forum: Investing - Theory, News & General
Topic: The "4% withdrawal rate"- would it apply to someone "retiring" in their 70s?
Replies: 54
Views: 4675

Re: The "4% withdrawl rate" - would it apply to someone "retiring" in their 70s?

This is a case where I would explore buying a single premium immediate annuity for a large portion of the portfolio (perhaps up to half, with the remainder in equities). You can get quotes at immediateannuities.com.
by strafe
Tue May 22, 2018 5:26 am
Forum: Personal Finance (Not Investing)
Topic: Lease buyout negotiation tips?
Replies: 21
Views: 2026

Re: Lease buyout negotiation tips?

My DW's VW Passat lease is coming to the end and the dealer already contacted us with few options for the new lease (awful ones) but we didn't like any of it. The residual value is around $12k and we can easily squeeze 40k more miles from it (I hope for more but have few concerns about TSI engine)....
by strafe
Tue May 22, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 23
Views: 2613

Re: Factory Five build cars

Do you want to build one? Have the mechanical skill to do so? The space? The time? If you’re simply trying to save my money, this is the wrong approach. You can buy an assembled FF car for far less than the time/money you’ll spend on building yourself. You do it yourself because that’s your passion.
by strafe
Fri May 18, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Attic HVAC: fan doesn't work in AUTO mode and AC on
Replies: 8
Views: 925

Re: Attic HVAC: fan doesn't work in AUTO mode and AC on

I agree with just frank: This is most likely a thermostat problem. There is only one fan control line coming out of the thermostat. It is either on or off. However, you can have some more advanced systems that control the fan asynchronously from the control of the condenser. This is usually done fo...
by strafe
Thu May 17, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 4838

Re: Do I pay towards my mortgage or invest?

Anyone who has ever applied for a HELOC, a mortgage or even a credit card understands this. A lot of people lean on this to justify not paying down debt because it doesn't feel as good as leveraging into stocks. But the transaction costs to take out a $10K loan are simply not that high. Of course t...
by strafe
Thu May 17, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 4838

Re: Do I pay towards my mortgage or invest?

Hi everyone, I got a good tax refund this year - a little over $10k. I have a mortgage of $480k @ 3.875% (30 yr fixed). I am thinking about putting this 10k towards the mortgage, and from my calculations, I save about 20k in interest over 30 years. Other options are - build a deck, take care of som...
by strafe
Thu May 17, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 4838

Re: Do I pay towards my mortgage or invest?

Hi everyone, I got a good tax refund this year - a little over $10k. I have a mortgage of $480k @ 3.875% (30 yr fixed). Here's one way you may have already (accidentally) answered this question for yourself. At any point since you get your mortgage, you likely had the option to borrow $10K against ...
by strafe
Tue May 15, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Term life-is this reasonable price?
Replies: 10
Views: 1022

Re: Term life-is this reasonable price?

check term4sale.com
by strafe
Sat May 12, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: hedge trimmer
Replies: 7
Views: 488

Re: hedge trimmer

I strongly recommend the Ego line of electric tools, carried at Home Depot and others. Lineup includes hedge trimmer, leaf blower, string trimmer, chain saw, and lawn mower, as well a "power head" system that includes pole saw, string trimmer and edger attachments.
by strafe
Fri May 11, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5223

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...