Search found 343 matches

by Hogan773
Wed May 16, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5445

Re: Maple syrup

Costco here too. Great value at $11-14 per 32 oz depending on the time of the year. I usually buy several when they are down at 10.99
by Hogan773
Fri May 11, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: TLH questions
Replies: 12
Views: 745

Re: TLH questions

Ok I've asked this on at least one other thread and got no response. The common wisdom around here is that a transaction in a 401k can not create a wash. But based on this language: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale y...
by Hogan773
Fri May 11, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: buying new laptops
Replies: 19
Views: 2217

Re: buying new laptops

Really like our Dell XPS13. Smallest laptop with a still very usable 13 inch screen
by Hogan773
Fri May 11, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6726

Re: When to buy new underwear?

4900 VIEWS and 89 REPLIES to this question?

Wow, lots of lost productivity across our great Earth since this silly thread was posted :oops:
by Hogan773
Fri May 11, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2366

Re: how to figure that shoes need replacing

I'm not a fashionista but I would be laughed at if I walked into a meeting with CFO with duct tape wrapped around my shoes. This thread is interesting, but not nearly as much of a forehead-slapper as the other one "when should I buy new underwear" Sheesh! Amen. Lately this place is becoming less ab...
by Hogan773
Fri May 11, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5841

Re: New Car Suggestions: BMW Crapping Out

If you are using the car to commute, why do you need such a big car? You already have the 4Runner, seems like another SUV would be a waste of money and gas. A Mazda 6 or Honda Accord look better than most SUVs, drive better, are cheaper and get way better mileage. New accord is 30mpg city 38 highwa...
by Hogan773
Fri May 11, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2366

Re: how to figure that shoes need replacing

I have these pair of ecco dress shoes that I wear to work on alternate days. So ~10-12 full days per month How do you figure that you need to change them and buy new ones. Sometimes my feet hurt but other days they don't. So i don't know if the feet hurting is because of shoes or because I was stan...
by Hogan773
Fri May 11, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2366

Re: how to figure that shoes need replacing

I'm not a fashionista but I would be laughed at if I walked into a meeting with CFO with duct tape wrapped around my shoes.

This thread is interesting, but not nearly as much of a forehead-slapper as the other one "when should I buy new underwear"

Sheesh!
by Hogan773
Fri May 11, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 5250

Re: Anyone buy carbon offsets when flying?

The skeptic in me thinks that whatever payment you make to "offset" will somehow not end up doing its job, but I am not one to feel guilty about my carbon footprint anyway
by Hogan773
Fri May 11, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: TLH questions
Replies: 12
Views: 745

Re: TLH questions

Someone else can confirm but I believe you are right that that INDEX fund is subject to 6 month holding period for wash Otherwise I wouldn't worry about getting caught in a wash. Yes they are dissimilar but if they are in different accounts there is no practical way anyone can report this combo of t...
by Hogan773
Fri May 11, 2018 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

I think both camps have valid points. I bought a $25k old, have been driving 20+ years, 400k miles. The money I saved just for new car is invested and gains with the stock markets. Yes, I know it is boring, but I have no problem treating a car as a transportation tool. I could pay cash for new cars...
by Hogan773
Thu May 10, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2709

Re: Recommendation For Shirts

We think alike. Just an FYI right now you can get the BB OCBD for $71 each if you buy three and use promo code bbstyle and sign up for or use shoprunner to get the free shipping. Don't get me wrong, I think it's a really nice shirt but at $140 I am not completely sold because I can get a MTM for $8...
by Hogan773
Thu May 10, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Whether someone tries to rationalize buying a new car or a used car the fact remains as documented over and over by many sources (and very easy to do yourself) that the first few years of a cars life is the highest depreciation rate. There is no doubt about this. This includes taking into account a...
by Hogan773
Wed May 09, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Whether someone tries to rationalize buying a new car or a used car the fact remains as documented over and over by many sources (and very easy to do yourself) that the first few years of a cars life is the highest depreciation rate. There is no doubt about this. This includes taking into account a...
by Hogan773
Wed May 09, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 5044

Re: Best cash-back credit card right now?

I did get an awesome scam benefit from Discover Price Protection on a Black Friday TV at Best Buy, so will likely keep the card around just for that and also in case they have some special offers and I remember to take advantage of them Note that Discover dropped their Price Protection as of Februa...
by Hogan773
Wed May 09, 2018 3:41 pm
Forum: Personal Consumer Issues
Topic: Vehicle Tires and Dry Rot
Replies: 20
Views: 2301

Re: Vehicle Tires and Dry Rot

The micro-cracks you see in tires are NOT, in themselves, indicative of a tire that is unsafe or needs replacing. Perhaps at some point if they got really old or the cracks really deep, but after just a few years you can get the micro-cracks and those are really cosmetic. In your case in terms of a...
by Hogan773
Wed May 09, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Nah, I rarely see anyone I know in real life buy a new car and drive it past 15 year mark. Some might get it past 10 years and then looking to new cars with fancy tech. It's not about making my numbers look better. It's about the reality how long you actually can keep the vehicle. The denominator i...
by Hogan773
Wed May 09, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

If one spends $50K to buy a car, then $15K shouldn't matter much to those buyers, IMO. For myself, $20K is about the range I would pay for a new car. I don't see how that makes sense. $15K is about 30% of $50K--that is a very significant difference in percentage terms. Put another way, 30% of $20K ...
by Hogan773
Wed May 09, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 5044

Re: Best cash-back credit card right now?

I just rejiggered my credit card portfolio due to the devaluation of the Starwood Amex card. Here's what I decided: Amex Blue Cash Preferred for 6% groceries and 3% department stores, and wherever Amex only is accepted. Citi Costco Visa for 4% gas, 3% restaurants and travel and 2% Costco, and where...
by Hogan773
Wed May 09, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Example: 2017 Lexus LS460 AWD: new at $80K MSRP, $66K street price with some haggling. 2014 version (same car as CPO, only minor changes in display, essentially same car), 8,000 miles: $50,000. So, for essentially break-in mileage, at least $15K saved. Worth it? I think so; others may prefer the ne...
by Hogan773
Tue May 08, 2018 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Buying new car is a luxury. If you want value, buy a slightly used, low mileage car that can last you as long as a new car would. Note that you are responsible to do regular maintenance to keep the car running as long as it can. If you neglect your car, it doesn't matter you buy a new or a used car...
by Hogan773
Tue May 08, 2018 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

Another example: Nissan Altima S 2018: $19.9-21.5k 2016: $13-14k Based on how most people drive, your example actually supports buying the NEW vehicle... - Say you keep a car for 10 years or 120,000 miles, whichever comes first. A reasonable assumption that applies to a broad majority of people. - ...
by Hogan773
Tue May 08, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2709

Re: Recommendation For Shirts

It is getting harder to find shirts with pockets. To me, the fact that CT doesn't have pockets is a plus. I like the cleaner look than having a giant pocket on the left breast that I never use. You can pay $7.50 to add a pocket at CT - but I would pay extra to NOT have a pocket and thus I would nev...
by Hogan773
Tue May 08, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2709

Re: Recommendation For Shirts

My order of preference: Brooks Brothers from the store. One size arm lengths are available. Brooks Brothers from their outlets. The sizing is different as well as the quality. One size arm lengths are not available last time I bought. But lower cost than the store. Costco Kirkland brand at about $1...
by Hogan773
Tue May 08, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2709

Re: Recommendation For Shirts

For dress shirts, ctshirts.com has great quality and $50/ea if you buy four (or $45 if you wait for a $179 for 4 deal). THIS CT by far the best value. Go on Slickdeals or elsewhere to find promo codes. Usually you can get shirts for $29.99 to $33 (3 for $99) and often free shipping. They have good ...
by Hogan773
Tue May 08, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

There are a few problems with your analysis... The 2018 Camry is a brand new redesign, based on a brand new platform, with brand new technologies and features. The 2016 Camry is an older generation, last updated in 2012. Therefore, you would expect the larger difference based on your apples-to-oran...
by Hogan773
Tue May 08, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Recommendation For Shirts
Replies: 36
Views: 2709

Re: Recommendation For Shirts

For dress shirts, ctshirts.com has great quality and $50/ea if you buy four (or $45 if you wait for a $179 for 4 deal). THIS CT by far the best value. Go on Slickdeals or elsewhere to find promo codes. Usually you can get shirts for $29.99 to $33 (3 for $99) and often free shipping. They have good ...
by Hogan773
Tue May 08, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

I often see people post that a 2ish year old car can often be had at similar price as a new car, especially for the models that are very reliable... I did a quick check of two models by Toyota, Camry and Corolla using local Truecar good price and a typical used car price for a 2016 model... So it a...
by Hogan773
Tue May 08, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

I often see people post that a 2ish year old car can often be had at similar price as a new car, especially for the models that are very reliable... I did a quick check of two models by Toyota, Camry and Corolla using local Truecar good price and a typical used car price for a 2016 model... So it a...
by Hogan773
Tue May 08, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

I often see people post that a 2ish year old car can often be had at similar price as a new car, especially for the models that are very reliable. Yet others say that the first few years are the highest depreciating years. I did a quick check of two models by Toyota, Camry and Corolla using local T...
by Hogan773
Tue May 08, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 5044

Re: Best cash-back credit card right now?

I don't really want to travel anymore than I currently do, so I don't want airline points. I believe that mostly just leaves me with cash-back credit cards as a second best option right? So, for cash-back cards, and a person who has an annual CC spending of about $15,000, what gets you the most cas...
by Hogan773
Mon May 07, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: New car for my wife
Replies: 25
Views: 2918

Re: New car for my wife

I am one of your long lost nephews, so pls give me the next "worthless" car you have! :D
by Hogan773
Mon May 07, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

After my first car purchase after college (2 year old Honda), I started to figure out that because I am willing to negotiate hard on a new car, I could end up getting a new Honda for only a few thousand more than a 2-ish year old used Honda. This is exactly true in my case. When we bought our brand...
by Hogan773
Mon May 07, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Buying new car or buying used car
Replies: 91
Views: 5755

Re: Buying new car or buying used car

It really depends on the vehicle you want. The residual for different makes and model cars vary across the board. Reliability, cost of ownership etc also need to be accounted for. Take for example most Toyota vehicles. A 2 year old vehicle with 20k miles is only going to be a couple thousand less t...
by Hogan773
Mon May 07, 2018 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Best cash-back credit card right now?
Replies: 42
Views: 5044

Re: Best cash-back credit card right now?

I don't really want to travel anymore than I currently do, so I don't want airline points. I believe that mostly just leaves me with cash-back credit cards as a second best option right? So, for cash-back cards, and a person who has an annual CC spending of about $15,000, what gets you the most cas...
by Hogan773
Fri May 04, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16165

Re: How do you know when you have "won the game"?

Hogan, I love your last sentence. Financial strength allows for far more philanthropy. Look at Bill Gates and Warren Buffet. No matter how hard I try, and I do try, I will never really be able to help the less fortunate as much as they don. People are too hung up on my income. If I only made $200,0...
by Hogan773
Fri May 04, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16165

Re: How do you know when you have "won the game"?

KlangFool, If something were to happen and my health were to demise, that is okay because I have always lived for today and have not waited for a magical retirement to do what I want. md&pharmacist, A) I am answering your original question: have you "won the game"? In your case, the answer is yes. ...
by Hogan773
Fri May 04, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

I like the simple advice that boils down to "eat REAL food, not too much, mostly plants...." And anyway, Michael Pollan points out in great detail in one of his books that there’s a vast difference between the “organic” that’s being sold in places like Costco, and the mental image we have when we t...
by Hogan773
Fri May 04, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

I agree with all the posters saying that misterno's focus on Costco's rotisserie chicken is misplaced, but in misterno's defense, at least he/she is making an effort to eat healthy, even if in practical terms it doesn't end up being as healthy as he/she thinks. Sure, his concerns about the insignif...
by Hogan773
Thu May 03, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

I like the simple advice that boils down to "eat REAL food, not too much, mostly plants...." And anyway, Michael Pollan points out in great detail in one of his books that there’s a vast difference between the “organic” that’s being sold in places like Costco, and the mental image we have when we t...
by Hogan773
Thu May 03, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

Why should I intake sugar for unnecessary reasons? What is sugar doing in my chicken in the first place are the right questions you should ask. These type of products are targeted towards uneducated unquestioning masses. Huh. I have an undergrad degree in biochemistry and cell biology, a doctorate ...
by Hogan773
Thu May 03, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16165

Re: How do you know when you have "won the game"?

TheTimeLord wrote:
Thu May 03, 2018 10:40 am



Why do people insist in taking things out of context? Perhaps instead of cherry picking a post you should consider the entirety of what is said because I am not seeing the difference in the bottomline in what I said and you said.

Because Internet
by Hogan773
Thu May 03, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

If you are into healthy lifestyle then you need Costco because of much cheaper prices organic eggs (cheapest in the market) Ghee butter (much better than butter) (cheapest in the market) organic chicken (cheapest in the market) Organic seeds like hemp seed green sprouts (cheapest in the market) Org...
by Hogan773
Thu May 03, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

If you are into healthy lifestyle then you need Costco because of much cheaper prices organic eggs (cheapest in the market) Ghee butter (much better than butter) (cheapest in the market) organic chicken (cheapest in the market) Organic seeds like hemp seed green sprouts (cheapest in the market) Org...
by Hogan773
Thu May 03, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Costco Vs Amazon Prime
Replies: 62
Views: 4294

Re: Costco Vs Amazon Prime

What are "horrible deals" at Costco? I think they generally have good deals, or maybe neutral prices. The only thing I would say is that you often end up buying more unit volume than you need. For consumables like Tide and toilet paper and dog food it is great. Sometimes you don't want to buy a two ...
by Hogan773
Thu May 03, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: When to buy a new car (need to find a Boglehead way)
Replies: 34
Views: 3000

Re: When to buy a new car (need to find a Boglehead way)

I recommend using Costco's auto buying program if you're looking for a new car to skip the dealer negotiation hassle Fine although just realize you aren't likely getting the "best deal". You are getting a "fair deal" and skipping all the real silly initial conversations with the guy in the polyeste...
by Hogan773
Thu May 03, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16165

Re: How do you know when you have "won the game"?

As someone who is <50, I see my current net worth as a big soft crash pillow. I don't intend to retire right now as I generally enjoy my work and get a good income from it. However I like having built (and keep growing) the crash pillow so if something happens at work which changes that dynamic or e...
by Hogan773
Wed May 02, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 16165

Re: How do you know when you have "won the game"?

I enjoyed the quote about Mr Money Moustache thinking that anyone who spends more than $5 a month for a family of 4 to live in Manhattan is being extravagant! Hahaha! I am generally careful with my money, but I still actually own two cars and we drive places and stuff. If I were Mr. Money Moustache...
by Hogan773
Wed May 02, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: New AC - Brand/SEER
Replies: 16
Views: 1133

Re: New AC - Brand/SEER

I'm also in the Chicago suburbs (NWI). Last year I put in a brand new AC system in my house, and it got used all of one time. With the big lake still in the mid-40s in early May, it is not looking good for much use this year either. :oops: Whaddya talking about? Today is 85! But yeah I get the poin...