Search found 289 matches

by srt7
Wed Aug 22, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17009

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

Thanks for the suggestions but full smartphone integration is an absolute must for me. The car is going to be used for a long time, and I think not having this will keep it permanently stuck with its (usually) sub-par infotainment and navigation setup. I agree 100%. Even Toyota is planning on putti...
by srt7
Wed Aug 22, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17009

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

I know you're here with good intentions but this is like going into a thread about good steak and recommending people eat canned tuna instead :oops: That's pretty common on this forum, unfortunately. Even when the OP goes out of their way to preemptively disqualify certain types of responses. OP: "...
by srt7
Tue Aug 21, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: VFSUX [Vanguard Short-Term Investment-Grade Adm.]
Replies: 8
Views: 1108

Re: VFSUX

Read the title (as VF SUCKS). Thought it was a joke or someone angry at Vanguard. Learnt something today :beer
by srt7
Mon Aug 20, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5673

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

Non-Fiction:
  • The Boys in the Boat
  • Jack (Jack Welsh)
  • Outliers
Fiction:
  • The Firm
  • The Goal
  • Sherlock Holmes
Finance/Investing:
  • The Richest Man in Babylon
  • Millionaire next door
by srt7
Mon Aug 20, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6177

Re: I saved $3,200 on a $23,500 car with minimal stress.

As a step 6, you can take the best offer, go to the closest dealers and probably get them to match or maybe even beat, and save yourself and a friend a 200 mile round trip. Yeah, that's an alternate and possibly more effective approach. I really wanted to avoid any back and forth negotiation so I s...
by srt7
Mon Aug 20, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6177

Re: I saved $3,200 on a $23,500 car with minimal stress.

Congrats OP! Thanks for sharing.
by srt7
Wed Aug 15, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2556

Re: Travel over thanksgiving holiday, drive or fly?

BolderBoy wrote:
Tue Aug 14, 2018 10:23 am
shel wrote:
Tue Aug 14, 2018 9:55 am
Under circumstances you have given, I just wouldn't go. Second advice, give regrets, send present.
I'm with shel on this. Stay home.
Spot on! Stay home. Perhaps they planned the wedding so that not many would make it? :confused

Ok Ok ... I kid :wink:
by srt7
Wed Aug 08, 2018 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Huge mortgage mistake
Replies: 58
Views: 8791

Re: Huge mortgage mistake

I don't get it. I can't even see the mistake here let alone a "huge" one. It's really very simple ... this mortgage process. You want your lender to have more skin in the game while you want to lower your risk and hold on to your cash? Fine, pay a PMI (lender's insurance). Want better interest rates...
by srt7
Sun Aug 05, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16246

Re: Will you pay for your kids' college/graduate education?

Ragnoth wrote:
Sat Aug 04, 2018 7:58 pm
Parents paid my undergrad, and I was on my own for grad school. I anticipate doing the same for my children.
+1
by srt7
Sun Aug 05, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25853

Re: most compelling TV character ever

James T. Kirk - For his leadership abilities in ambiguous situations and his confidence (even though he knows Mr. Spock is the most capable.) Fox Mulder - For his persistence and determination to find answers and do the right thing. Martin Crane - For his self-confidence, fatherly love and just bein...
by srt7
Sun Aug 05, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Realtor Compensation (Couldn't sell, so renting)
Replies: 21
Views: 2434

Re: Realtor Compensation (Couldn't sell, so renting)

We pay 80% of one month's rent. Lesser if realtor is also hired as the property manager. It's always negotiable and depends on the local market.
by srt7
Sun Aug 05, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Pricing a used car to sell
Replies: 27
Views: 1421

Re: Pricing a used car to sell

Carmax is a good option but also try other ones such as Echo Park. They're not as big which is why they'll offer something closer to KBB/NADA.
by srt7
Tue Jul 31, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: 1.9 M windfall. My plan; input requested
Replies: 30
Views: 4773

Re: 1.9 M windfall. My plan; input requested

Buying a new house and two new cars will be a giveaway to all your friends and colleagues that you are a millionaire. Think very carefully about whether you really want to change your lifestyle. I would also hold off on the real estate until you have done some more research. Also ask yourself if yo...
by srt7
Sat Jul 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 983

Re: What are such auto loans called?

Had to do that one time. I sold some property, put a humongous down payment on our current home, and paid off a vehicle. Then, it occurred to me I had forgotten to consider capital gains taxes on the property sold. :oops: So, I had to head back to the credit union and get an auto loan. I was a tad ...
by srt7
Sat Jul 28, 2018 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 983

Re: What are such auto loans called?

Thank you, all! I will call up my credit union and see what they've got.
by srt7
Sat Jul 28, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: What are such auto loans called?
Replies: 12
Views: 983

What are such auto loans called?

I have a paid off car that I would like to get an auto loan on. Do such loans exist? If so can some one please tell me what they're called.

Thanks!
by srt7
Mon Jul 23, 2018 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17908

Re: Salary vs. Lifestyle

At every opportunity, I have chosen lifestyle. Once I made enough to pay my expenses and save, I chose shorter commute, predictable and reasonable hours, more vacation, and better benefits over more pay. The two main drivers were stress that caused me to sleep poorly and the desire to have a family...
by srt7
Thu May 17, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10572

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I drive the 2016 RX 350 and highly recommend it. I test drove the Q5 (older model) back then and liked it too but knew there had to be a newer model in the pipeline so crossed that off my list. Since your budget is $40K I assume you're going with CPO's ... a wise choice (unlike mine :oops: ). You c...
by srt7
Thu May 17, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 39545

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

I'm 33.5 years old - I don't pretend to know what tax bracket I will be in 26 year from now - also, I don't know what tax brackets will be in 26 years - maybe there won't even be "tax brackets" in 26 years. . . . . . I am confident, however, that "future me" will enjoy not paying any taxes on my Ro...
by srt7
Thu May 17, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60 (update)
Replies: 121
Views: 10572

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

I drive the 2016 RX 350 and highly recommend it. I test drove the Q5 (older model) back then and liked it too but knew there had to be a newer model in the pipeline so crossed that off my list. Since your budget is $40K I assume you're going with CPO's ... a wise choice (unlike mine :oops: ). You co...
by srt7
Thu May 17, 2018 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45483

Re: Lucrative careers?

It seems like people have something against software engineers making good money. They are OK with Lawyers and doctors making money but not software engineers. No one is arguing about what software engineers "deserve". The question is what they get paid. Not all graduates even make it to a SW engin...
by srt7
Thu May 17, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Urgent: escrow situation in bay area
Replies: 50
Views: 3421

Re: Urgent: escrow situation in bay area

OP,

In your position, my first option would have been a cheaper place even if it isn't a SFH or a SFH with a longer commute. My second option would be your current pick. I think you should seal the deal and enjoy your house!
by srt7
Thu May 17, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45483

Re: Lucrative careers?

Has anybody suggested becoming an NFL or NBA player? Or may be a rock star musician? How about becoming best paid Hollywood actor? How is it any different than throwing out $300K computer science engineer job suggestions for OP? Sometimes, this forum drops its collective intelligence very low. A $3...
by srt7
Wed May 16, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9853

Re: Is there a boglehead muscle car?

Boglehead muscle car?

That's gotta be a ... 10 year old red Toyota Corolla with a spoiler and a sport badge

I kid ... :sharebeer
by srt7
Sat May 12, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 5537

Re: How to think about schools/homes (Greatschools/Niche)

OP, I live in a house that is zoned to a 10, 9, 8 per GS. Every once a while I keep getting this brilliant idea to move to a location with schools that are 10,10, 9. I'd be taking on a loan that is twice my current one and instead of having a paid off house within 10 years I'd be stuck making paymen...
by srt7
Sat May 12, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 45483

Re: Lucrative careers?

OP,

I don't know of a single doctor who doesn't make in six figures.

Good luck!
by srt7
Fri Apr 27, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 974
Views: 105178

Re: Netflix, Your Current Favorite Show

Watching Longmire these days. Half way through season #5 now. Robert Taylor is very convincing as Sheriff Longmire. Support cast is good as well.
by srt7
Fri Apr 27, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 974
Views: 105178

Re: Netflix, Your Current Favorite Show

oldcomputerguy wrote:
Mon Mar 19, 2018 10:58 am
If you’re a Cumberbatch fan, I strongly urge you to look for a BBC Radio show called “Cabin Pressure”. I believe it’s available on audio CD. One of the funniest programs ever broadcast.
Thanks! I'll check it out.
by srt7
Fri Apr 27, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Cashing out of the Bay Area
Replies: 84
Views: 11975

Re: Cashing out of the Bay Area

Any other Bay Area homeowners thinking about cashing out? It feels to me like we may be near the peak of the current real estate cycle. Moving to a cheaper state and buying a house for cash has always been a major component of my retirement plan. I have been targeting 2020 or 2021 for that mileston...
by srt7
Fri Apr 27, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Work-life balance
Replies: 68
Views: 8503

Re: Money vs. Work-life balance

OP, I'd vote for you to stay. It is said that employees leave managers and not corporations. You're lucky in that regard to have a manager who's a "good fit" for you. Also, don't underestimate work-life balance / flexibility. Perhaps without that you wouldn't even be a top performer? Something to th...
by srt7
Wed Apr 04, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Career Move: Please convince me why I should not work in tech
Replies: 74
Views: 8963

Re: Career Move: Please convince me why I should not work in tech

4) Earning big money is shunned as you are "scientist", unless you are management/executive, and I can't stand this hypocrisy. What makes you think it is any different in tech? That kind of hypocrisy exists in tech as well. If anything it is more prevalent in tech. I never saw a job posting for a s...
by srt7
Wed Mar 07, 2018 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Time to open another credit card line?
Replies: 10
Views: 1270

Re: Time to open another credit card line?

OP - Why not request a credit limit increase? Most cards will do it without a credit pull (up to a certain amount).
by srt7
Wed Mar 07, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20712

Re: What was your % pay raise?

2.29%

So they matched inflation, I guess.
by srt7
Wed Mar 07, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: Best Colorado Skiing
Replies: 26
Views: 2106

Re: Best Colorado Skiing

Ski in Vail and then go relaxing in Breck. They're only 40 minutes apart.
by srt7
Wed Mar 07, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: What if you have a poorly rated car?
Replies: 47
Views: 3715

Re: What if you have a poorly rated car?

While the best action (new or used) is to purchase a very reliable and highly rated vehicle, what is you have one that is, for example, on Consumer Reports "cars to avoid" list? You already have the vehicle and, almost certainly, its value (sale or trade-in) is low. My son has a 2014 Dodge (bought ...
by srt7
Wed Mar 07, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 8120

Re: Strategies for getting out of a car dealership quickly?

OP - Yes, a lot has changed in 14 years. The game is now played via emails and one only goes in to sign paperwork after receiving a written offer from the dealership. One thing you can do is call the manufacturer's financing (assuming you've financed with them) and request to cancel the warranty. If...
by srt7
Tue Mar 06, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6556

Re: Which car, Porsche Cayenne or Volvo XC90?

Ha, yes. The OP specifically mentioned two cars and states that he has ruled out all other brands/models. Yet, half (or more) of the comments are about why he should drive something other than those two models. Why? I never understand why these are the sort of responses on these car threads that ve...
by srt7
Tue Mar 06, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Which car, Porsche Cayenne or Volvo XC90?
Replies: 71
Views: 6556

Re: Which car, Porsche Cayenne or Volvo XC90?

OP, What a great problem to have! :beer I drive a Lexus but have friends who love their Porsche and Volvo. Per what I see, the Volvo is in the shop more frequently than the Porsche. However, the maintenance/repair bills on the Porsche is much higher. So over a span of x years, they pretty much even ...
by srt7
Thu Feb 22, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Pay off car debt or invest??
Replies: 24
Views: 1910

Re: Pay off car debt or invest??

None of the above. Sell it and pay cash for something cheaper, like $10k and put the rest of your non emergency cash in the market and get back to enjoying youth. I would second this advice. But if you're an automobile enthusiast and you've currently got your dream car etc. then pay it off. Either ...
by srt7
Tue Feb 20, 2018 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on first home
Replies: 43
Views: 4970

Re: Giving up on first home

I'm in escrow buying my first home and totally overwhelmed. Between my realtor pulling one way, my lawyers pulling another way, dealing with the seller, disclosures, and inspections I'm thinking of calling it quits. I have the distinct feeling that I'm about to take on a mountain of responsibility ...
by srt7
Tue Feb 20, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 45
Views: 3174

Re: Trade my BMW?

I currently own a 2013 X3 with 50k miles. One year of the CPO warranty left. No loan...I purchased the vehicle used with cash two years ago for a bit under $30k. KBB currently puts the value just north of $15k. I really like the car, but am unable to do much of the maintenance myself like I would o...
by srt7
Tue Feb 20, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 13029

Re: What has been your most important skill in achieving financial independence?

Marrying a smart frugal hard working woman. Any advice on that front? :D My worst date ever was with a girl who looked at the menu (this was in 1982) and exclaimed "There's nothing on here over $25!", this apparently being her criterion for whether a restaurant was any good or not. My future wife w...
by srt7
Tue Feb 20, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Multiple Offer situation/should we pull our offer?
Replies: 72
Views: 6663

Re: Multiple Offer situation/should we pull our offer?

My wife and I saw and bid on a house. Our buyer’s agent informed us that after speaking with the seller’s agent, they were taking all “best and final offers” due at 5PM today. We submitted an offer at 3:30pm at $2000 over asking and that it is our best, only and final offer. At 4:30 PM we received ...
by srt7
Tue Feb 20, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 14871

Re: Bogleheads with $100K+ MSRP cars?

randomguy wrote:
Sun Feb 18, 2018 9:47 pm

...

And yeah you can buy them cheaper after 3 years. Your TCO ownership is still going to be high compared to your other options. Accept it and enjoy it.
Good point. I like cars but have always gone with the reliable ones. I will keep this in mind on my next shopping trip.
by srt7
Tue Feb 20, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 12943

Re: Honda vs. Toyota: Which has more bang for the buck?

tennisplyr wrote:
Wed Feb 14, 2018 8:34 pm
I've owned Honda Accords since 1983....enuf said
:sharebeer

I've owned model years 85, 94, 02 and 16.

94 MY was my favorite!
by srt7
Tue Feb 20, 2018 7:40 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8125

Re: Staying Motivated: How do you ward off hopelessness?

Frisco Kid wrote:
Tue Feb 20, 2018 10:49 am
Consider becoming a student of Stoicism. www.dailystoic.com will get you started.
Good stuff!
by srt7
Wed Feb 14, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Advice with Car Replacement?
Replies: 21
Views: 1238

Re: Advice with Car Replacement?

#1 sounds good to me.
by srt7
Wed Feb 14, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick
Replies: 14
Views: 1363

Re: 2016 Honda Pilot vs. Kia Sorento vs. RAV4 - Help me pick

Hey guys/gals. Can someone sell me on one of these cars? I have two kids and a dog. I already have a 2017 sienna and love it, great comfort/safety features/speed. I was looking at the RAV4 but then bumped into the Sorento which led me to the Pilot. I would buy the pilot hands down if it had a regul...
by srt7
Wed Feb 14, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Honda vs. Toyota: Which has more bang for the buck?
Replies: 119
Views: 12943

Re: Honda vs. Toyota: Which has more bang for the buck?

Over the years, I've owned many of both and still do. Here's what I've learnt from my experience. They're both equals when it comes to safety and reliability. Honda's have more gizmos especially with their Apple / Android integration and are packaged more at the trim level (ex: you can't get leather...
by srt7
Tue Feb 13, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15884

Re: What big item (>20k) are you saving up for?

I don't believe in buckets. I have money and I spend money. I take low interest loans sometimes. I try to avoid that I spend so much that I don't accumulate more money. So far it seems to be working. So if you want to get a new car or other large purchase you don’t cut expenses or save rates toward...