Search found 892 matches

by TheOscarGuy
Fri May 24, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Grad school financing - hard sciences
Replies: 31
Views: 2668

Re: Grad school financing - hard sciences

1) In TODAY'S world (not my 25 year old memory), and 2) For graduate work in a research discipline of a HARD SCIENCE (such as chemistry, biology, etc.) is it typical for master's and Ph.D. students to pay/finance their own way? Or typical to get the type of support I mentioned above? I had funding ...
by TheOscarGuy
Fri May 24, 2019 4:21 am
Forum: Personal Consumer Issues
Topic: Weber vs Broil King Grills
Replies: 25
Views: 2398

Re: Weber vs Broil King Grills

I'm in the same conundrum. I was all set to buy a Weber Genesis, but then I read on-line several reports stating Weber quality has gone down significantly in last few years due to manufacturing move to China by the new owners. It will be good to hear recent experiences with Weber grills. I was in s...
by TheOscarGuy
Thu May 23, 2019 12:54 pm
Forum: Personal Consumer Issues
Topic: Is Tesla Going To Survive?
Replies: 99
Views: 7116

Re: Is Tesla Going To Survive?

TSLA is now at $192 (down 47%)? Is the company going to survive the next few years? Tesla owners, how is the quality and customer service as of late? I was actually thinking about splurging for a Model Y in the next few years. I'm not so sure now... I think it is likely Tesla gets bought by some ot...
by TheOscarGuy
Thu May 23, 2019 12:48 pm
Forum: Personal Consumer Issues
Topic: ongoing eBay buying problems
Replies: 30
Views: 2190

Re: ongoing eBay buying problems

You haven’t provided enough clear detail to explain your problem, at least from how I’m reading it. Can't make purchases on eBay. Long time eBayer. No CC or PayPal problem anywhere else. "Reps" no help. Are you able to make routine eBay buys lately? Both buy and sell on very small scale, but the im...
by TheOscarGuy
Wed May 22, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3617

Re: Another Honda maintenance thread

Dealers make most their money in service, with modern fluids you do NOT need to change them more frequently than manufacturer recommendation. People that change transmission fluid every 15-20K miles aren't necessarily hurting anything but they aren't helping anything either. Car maintenance has ess...
by TheOscarGuy
Wed May 22, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6580

Re: Best small AWD to 'drive into the ground'

Real AWD systems in cars narrows it to Subaru and Audi. The rest are "cosmetic" AWD that are there to get your money, then get you stuck. Having used Hondas, I have to say that unless you are off roading this statement is factually incorrect. I know Honda does not have 4WD but never have I been lef...
by TheOscarGuy
Wed May 22, 2019 7:53 am
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6580

Re: Best small AWD to 'drive into the ground'

I'm looking for which good winter handling awd I can drive 'into the ground' with the longest life/least maintenance and best gas mileage (holy grail). My son's 2012 outback was just hit and totaled at college and I'm trying to decide what to either replace it with or get myself another car and giv...
by TheOscarGuy
Tue May 21, 2019 10:28 am
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3617

Re: Another Honda maintenance thread

I have a 2013 Accord and my wife has a 2016 Civic. I've all but given up on the maintenance minder system because: 1. My wife's car only gets driven about 6,000 miles a year and I inquired whether we should change the oil more often than the maintenance minder says. Honda gave us the canned answer ...
by TheOscarGuy
Tue May 21, 2019 6:49 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 4089

Re: Arc'teryx - Anyone else here splurge?

I just dropped major coin at REI buying Arc'teryx gear. Hard shell rain jacket, soft shell jacket, fleece, and 4 collared shirts (wool/poly....great for int'l travel, and quite light). It was by far the largest REI spend to date, eeking into 4 figures. I believe that in gear, you get what you pay f...
by TheOscarGuy
Tue May 21, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: How to deal with home upgrades - HELOC or not?
Replies: 23
Views: 1653

Re: How to deal with home upgrades - HELOC or not?

First, this forum has been a god send when it comes to finances, life, and you all have had a very positive impact in my life. I thank you all for that. So currently I am in what I will dub a middle income crisis. I work 2 jobs, wife works part time plus watches friends kids for extra cash, 2 kids ...
by TheOscarGuy
Mon May 20, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: Milorganite, Purely Organic or Ringer Lawn Restore?
Replies: 5
Views: 515

Re: Milorganite, Purely Organic or Ringer Lawn Restore?

I live In Los Angeles Area along the coast. I cannot decide which of the above organic fertilizer for my lawn. I don't care about the cost but am looking for one that would be safe for my 2 dachshunds . I have seen many YouTube on Milorganite but am concern that my dogs may want to eat it due to th...
by TheOscarGuy
Mon May 20, 2019 7:08 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 9119

Re: Amazon....we all have seen this before :)

Hey Gang, Thoughts on Amazon as it appears that a lot of younger people are jumping on stocks like Amazon in hopes that they hit a grand slam. The stock as of now looks rock solid to me as it has a lot of diversification and in my opinion is not a one trick pony. With that being said we have all se...
by TheOscarGuy
Sun May 19, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Compare two benefits packages - Did I make a mistake?
Replies: 3
Views: 741

Re: Compare two benefits packages - Did I make a mistake?

Hi Everyone, I recently accepted a new job, because at first glance it looked like an incredible raise. But after re-doing my “spreadsheets” that I use to evaluate cashflow, savings rate, and projections, I’m starting to second guess my decision. It all boils down to the fact that at my previous em...
by TheOscarGuy
Sun May 19, 2019 3:30 pm
Forum: Personal Consumer Issues
Topic: Guidance to Parents With Kids Majoring Computer Science
Replies: 25
Views: 2504

Re: Guidance to Parents With Kids Majoring Computer Science

Investments are not just stocks and bonds. I believe proper guidance (and planning ahead of time) is also an investment in itself. Sometimes with a phenomenal return on investment. I write this as a recent graduate in Computer Science from Columbia Univ in City of NY. I have a minor in Applied Math...
by TheOscarGuy
Sat May 18, 2019 4:52 am
Forum: Personal Consumer Issues
Topic: Why do plumbers get paid so well?
Replies: 84
Views: 6537

Re: Why do plumbers get paid so well?

I am thinking of recommending that a young friend become a plumber. Where I live in the Atlanta suburbs I pay: $15-$20/hr for unskilled yard work with no tools $35/hr for a good handy man $140 for the first hour and then $45/hr for an electrician $160/hr for a plumber My question - Why do plumbers ...
by TheOscarGuy
Sat May 18, 2019 4:48 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 248
Views: 27326

Re: Bogle "5% Gold"

I'm sure many have missed this in the one thread. Yes he's talking about an endowment, but I still think it clearly demonstrates that Bogle saw value in gold. https://youtu.be/3uJbHREmUs4 57 minute mark Strange that I just saw this the day after his death. I don't have a comment on the view to hold...
by TheOscarGuy
Fri May 17, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Credit Card - 0% APR for 18 Months
Replies: 17
Views: 1972

Re: Fidelity Credit Card - 0% APR for 18 Months

Folks, Just got approved for Fidelity 2% cashback credit card with 18 Month 0% APR promo with 25K credit I am doing some remodel so I am spending some $$$ What do you think of using this Fidelity Card for my remodel purchases and do a minimum payment and get this 0%APR for 18 months and invest the ...
by TheOscarGuy
Fri May 17, 2019 8:55 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5786

Re: Guidance on choosing between UMich and Brown

Please see note from my son regarding his college choices and share your thoughts (once more). This is pursuant to the previous post (link below), which was pivotal in helping him make his choice at that time. He was waitlisted at Brown at the time. https://www.bogleheads.org/forum/viewtopic.php?f=...
by TheOscarGuy
Fri May 17, 2019 8:49 am
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 2031

Re: Dealer or Local Mechanic?

dm200 wrote:
Fri May 17, 2019 8:21 am
~$40 for wiper blades


The local auto parts chain will assist to install wiper blades you purchase there. Sometimes, I can do it myself - and sometimes I need their free assistance. :)
I was quoting costs I used to get when I didn't work on my own car :-)
by TheOscarGuy
Fri May 17, 2019 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 470
Views: 43571

Re: Selling home- Demanding Buyer (Repairs)

Given the tight market, I would not make the repairs and give the buyer 5k off the purchase price of the home. Let them take care of the septic problem and those silly repairs what they want. Final offer. If not the house goes back on the market. Some version of that is acceptable to you and you ha...
by TheOscarGuy
Thu May 16, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Reservations about job offer
Replies: 65
Views: 4331

Re: Reservations about job offer

I interviewed and got an offer for a lead tech position. During the interview process the hiring manager set expectations by saying that he didn't want to give me the title until the guys on the team can trust me. He even stated right before we parted ways that he wants me to come in and not act li...
by TheOscarGuy
Wed May 15, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 2031

Re: Dealer or Local Mechanic?

I am not so sure. There is some kind of "economy of scale" at work here that, at least in my case, make that saving from DIY is not worth it. For example, my local mechanic charge me about $40 for oil change, which I need to do every ~8 months. I can probably save $5 - $10 with DIY but then I have ...
by TheOscarGuy
Wed May 15, 2019 8:52 am
Forum: Personal Consumer Issues
Topic: Dealer or Local Mechanic?
Replies: 41
Views: 2031

Re: Dealer or Local Mechanic?

I would never use the dealer outside of warranty work, and since my truck is 15 years old, it’s been a long, long time since I have had them do any work for me. Learn how to do the work yourself. The majority of it is not difficult. It’s astonishing that a place like this that so heavily promotes t...
by TheOscarGuy
Wed May 15, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Do you reward yourself for achieving a financial goal?
Replies: 107
Views: 7038

Re: Do you reward yourself for achieving a financial goal?

Hi, Like the title says, did you ever buy luxury for as a reward? Like a nice rolex when reaching 250000 net worth or a new BMW at 500000 or something like that? We bought ourselves nice dinner after reaching a milestone. Buying a BMW may be too much if your net worth is half a million, in my opini...
by TheOscarGuy
Wed May 15, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2652

Re: How long will a shirt last?

If I need to buy enough of the exact same shirt to last me a decade, how many do I need? Assume I wear each shirt once a week, and then I launder all seven of them at the end of the week, how many shirts would I need to buy? This is regular cotton, not premium or low-grade - just a normal cotton wh...
by TheOscarGuy
Tue May 14, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Hiring a contractor to cut down some trees....what should I be aware of?
Replies: 89
Views: 5468

Re: Hiring a contractor to cut down some trees....what should I be aware of?

I have a few trees that I need cut down. One is approx 25 ft, the other is 40, and other is around 50. I was quoted 1400 by one contractor for all three. That doesn't seem like a bad price. I did forget to ask whether stump removal was included. He said they can start within the next day or two, cl...
by TheOscarGuy
Tue May 14, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Volvo S90 T5 Momentum - Thoughts and Suggestions???
Replies: 41
Views: 3394

Re: Volvo S90 T5 Momentum - Thoughts and Suggestions???

RootSki wrote:
Tue May 14, 2019 8:36 am

Lexus RX 2015 owner: "My 80's Casio style clock is flawless"
Hey now, some of us are still rockin the casio style watch :D
by TheOscarGuy
Mon May 13, 2019 12:29 pm
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 84
Views: 10915

Re: What non frugal things save money?

For men, good dress shoes, made from high quality leather, Goodyear welted. If you aren't paying at least 300 USD, you probably have a very inferior pair of shoes (or you found a great bargain). While expensive, high quality leather shoes pay off long term. With cheaper shoes (approx 100-200 USD),m...
by TheOscarGuy
Mon May 13, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 2105

Re: Computer issues, fix vs replace

My computer for a second time is giving me heartache. Text on the screen is screwy on most web pages, reloading the page helps but not for long. Frustrating to use. Basically half of each letter disappears. Last time I removed an update and the computer went back to normal. This time I can't clearl...
by TheOscarGuy
Wed May 08, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: B&H Photo will pay your sales tax [payboo]
Replies: 21
Views: 2698

Re: B&H Photo will pay your sales tax [payboo]

I just got an email from bhphotovideo.com introducing their "Payboo" credit card. If you live in a State with sales tax and charge your purchase on this credit card, they will instantly issue you a credit for the amount of the sales tax. In Vermont, that would be a 6% savings. Of course, I would be...
by TheOscarGuy
Wed May 08, 2019 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Compensation negotiation strategy (rocket ship tech)
Replies: 27
Views: 3601

Re: Compensation negotiation strategy (rocket ship tech)

I work for a publicly traded tech company that has been in rocket ship mode. Stock price has increased 5x over the past 12 months. I joined the company 6 months ago. My total annual compensation at the time of hire was $225k. With the recent stock run-up, that figure is now up to $250k. I have also...
by TheOscarGuy
Fri May 03, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1326

Re: Kids fishing gear

One of my grandsons had his birthday party at Bass Pro Shop, and honestly it was a big hit with the attendees, parents and kids. They fished with equipment provided by the store, in the man-made pond. That party might have made a couple of fishing enthusiasts out of the attendees. Personally, I nev...
by TheOscarGuy
Fri May 03, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1326

Re: Kids fishing gear

Any cheap rod will likely do at her age. I never really understood fishing but my son got into it through scouts and at 12 is a pretty serious fly fisherman, he even spends hours making his own flys. He's a hyper kid but can spend hours on a river fishing or out on a boat. Some people I guess just ...
by TheOscarGuy
Fri May 03, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: How to Think About Money--Should be required reading for Bogleheads
Replies: 14
Views: 3661

Re: How to Think About Money--Should be required reading for Bogleheads

White Coat Investor wrote:
Thu May 02, 2019 8:01 pm

There is no required reading. There is far more diversity here than most think.
My comment was on the subject line.
by TheOscarGuy
Thu May 02, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: How to Think About Money--Should be required reading for Bogleheads
Replies: 14
Views: 3661

Re: How to Think About Money--Should be required reading for Bogleheads

My problem with any new books in this area is that the general theme and topics are covered on this forum with regularity. I think anything you can find out there, podcasts, books etc. can be found here. Some of the ideas may even have been discussed here first, before they were put in a book. That ...
by TheOscarGuy
Thu May 02, 2019 8:02 am
Forum: Investing - Theory, News & General
Topic: How to Think About Money--Should be required reading for Bogleheads
Replies: 14
Views: 3661

Re: How to Think About Money--Should be required reading for Bogleheads

Last weekend, I asked why people hate learning about money. A few people suggested the book, "How to Think About Money." It arrived today and I just finished reading it tonight. I'd say 90% of the questions asked on this forum are answered in this thoughtful book. If you haven't read it yet, I'd en...
by TheOscarGuy
Wed May 01, 2019 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Job Options
Replies: 23
Views: 2536

Re: Job Options

I am looking for opinions on two job options I am currently mulling over: Option 1: Stay in current job/location : Pay $111,000 PROS: Company is great to their employees, safe, and great benefits (affordable medical, pension plus 4% match on 401k) Wife’s family lives in town Wife just received her ...
by TheOscarGuy
Wed May 01, 2019 8:27 am
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 10073

Re: "The market is overvalued"

I hear a lot lately that the market is overvalued, but in the last 23 years, back of the envelope calculation, the S&P 500 CAGR is about 6%. In the last 19 years, since the peak in 2000, it's up about 3.5% annually. Add in the dividend yield of about 2% and it's an annual return of 8% and 5.5% resp...
by TheOscarGuy
Wed May 01, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Rational way to thinking about laptop replacement/repair
Replies: 16
Views: 1110

Re: Rational way to thinking about laptop replacement/repair

The only concern is that this may begin to turn into a biennial affair, with me spending $200 every two years to get a unit replaced (for whatever reason). Something about that is a bit unsettling (all the waste generated, etc), but perhaps this is the only way to approach it? My first laptop last ...
by TheOscarGuy
Tue Apr 30, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2587

Re: Reviews on Honda Insight

I am looking to replace my old car and was initially planning to buy the Civic. However I see that Insight might be a good alternative. Major use for the car is for daily commute to and from work roughly 12 miles each way. Traffic on good days is light but on most days is stop and go on the highway...
by TheOscarGuy
Tue Apr 30, 2019 1:31 pm
Forum: Personal Consumer Issues
Topic: Another Advantage of Being a Boglehead
Replies: 27
Views: 2288

Re: Another Advantage of Being a Boglehead

For example, I was driving a 17 year old Toyota Camry because I just didn't see the point of getting a new car as long as my old one was running fine. The last few years, I noticed that they were REALLY NICE to me at the car dealership . They would try to cut me a break and offer me the lowest poss...
by TheOscarGuy
Tue Apr 30, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1326

Re: Kids fishing gear

My 6 year old loved fishing with some friends on a recent trip. Not sure if it'll last but I'm thinking about getting her some gear (hopefully not too expensive). Any recommendations? Also, I don't have any interest in fishing myself but it would have fun spending the time with her. Any recommendat...
by TheOscarGuy
Tue Apr 30, 2019 8:37 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 1655

Re: Purchasing 2019 Honda Pilot Advice Wanted

I would recommend you stay away from first year models. Some pilots had tranny issues right out the gate, they seem to now have solved it, but in 2016 MY it was an issue. The tranny problem was solely with the 9-speed auto in the Elite and Touring trims. I think it's been reduced in subsequent MYs,...
by TheOscarGuy
Tue Apr 30, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 1655

Re: Purchasing 2019 Honda Pilot Advice Wanted

how much is a 2016 certified preowned Pilot? Prob around $20K https://www.hondacertified.com/vehicle-details?vin=5FNYF4H46FB006444 https://www.hondacertified.com/vehicle-details?vin=5FNYF4H30FB063083 https://www.hondacertified.com/vehicle-details?vin=5FNYF6H4XGB066403 I would recommend you stay awa...
by TheOscarGuy
Tue Apr 30, 2019 7:09 am
Forum: Personal Consumer Issues
Topic: Kids fishing gear
Replies: 23
Views: 1326

Re: Kids fishing gear

My 6 year old loved fishing with some friends on a recent trip. Not sure if it'll last but I'm thinking about getting her some gear (hopefully not too expensive). Any recommendations? Also, I don't have any interest in fishing myself but it would have fun spending the time with her. Any recommendat...
by TheOscarGuy
Mon Apr 29, 2019 9:42 am
Forum: Personal Consumer Issues
Topic: weber grills
Replies: 34
Views: 3026

Re: weber grills

I bought our three burner Webber Genesis Silver in 1999. I grill at least twice a week year round even when we lived in Colorado at 6600' elevation. Coldest I ever used it was -14 F. :shock: I have replaced the flavorizer bars once and the grill grates three times. The last time I replaced the grat...
by TheOscarGuy
Sat Apr 27, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4222

Re: Wifi extenders vs Mesh network

which is better. It seems Mesh systems are more expensive. Anyone have personal experiences with google Wifi? I have wifi extenders. I bought the most well reviewed one. I dislike it, it does disconnect every once in a while and all of my devices get disconnected. The only way to get it back is res...
by TheOscarGuy
Thu Apr 25, 2019 4:15 am
Forum: Personal Consumer Issues
Topic: How far would you commute?
Replies: 104
Views: 5220

Re: How far would you commute?

For the past 5 years I've worked for a megacorp from home. I accepted this role because it offered work from home option. Over 2000 people use this option. The company has now announced that they are removing the Work from Home option and everyone must commute to an office (which will likely be an ...
by TheOscarGuy
Wed Apr 24, 2019 6:53 am
Forum: Personal Investments
Topic: Techniques for doing NOTHING?
Replies: 48
Views: 4870

Re: Techniques for doing NOTHING?

I have been struggling with obsession about my investments...checking my accounts, switching mutual funds, high anxiety about returns and the future. I was doing great until I came into an inheritance 18 months ago. Not a huge one, but a nice amount of money. I need to get off this merry-go-round o...
by TheOscarGuy
Wed Apr 24, 2019 6:34 am
Forum: Personal Consumer Issues
Topic: Where to buy a movie (Amazon/Google/iTunes/PS)?
Replies: 35
Views: 1591

Re: Where to buy a movie (Amazon/Google/iTunes/PS)?

I recently watched a movie and want to buy it but I think last time I bought smth on DVD 5 years back lol. My son has a Playstation 4 so one of the options is PS network. Would love to hear your experience about Amazon/Google/iTunes/PS (maybe I missed other options?) What is majority of your home d...