Search found 289 matches

by srt7
Sun Feb 11, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5752

Re: Can I afford to move to a lower paying career?

Option #3: Don't push it. Retire and enjoy your good fortune!
by srt7
Sun Feb 11, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 5180

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

Good. 30 days should be more than good enough for a "No Questions asked" type of return. Rest can be dealt with on a case by case basis.
by srt7
Sun Feb 11, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Do you think it is worth the money to travel to warm weather destinations during the winter?
Replies: 77
Views: 7650

Re: Do you think it is worth the money to travel to warm weather destinations during the winter?

If there was ever a winter worth giving it a shot at this ... it is the current one. Plus as someone in their 30s w/o kids, now is your time to travel.
by srt7
Thu Feb 08, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6541

Re: What time do you go to work?

Not sure what this thread is supposed to accomplish. Each post will increment your post count by 1. Someone who is retired will brag that they don't have to work. Someone who is retired will brag that they get up even earlier now, but it's to do awesomer stuff. Early birds will establish their supe...
by srt7
Thu Feb 08, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6541

Re: What time do you go to work?

Between 8:30 and 9 when I commute to work. On WFH days, around 7:30. Getting off work is always around 5:30.
by srt7
Wed Feb 07, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5816

Re: Leaving HCOL state for financial reasons

... If by family you are mainly referring to your parents then it would be good to talk to them about what their long term plans are. It could be that they want to move when they retire and are feeling like they need to stay there because of the family ties too. They might welcome the chance to mov...
by srt7
Tue Feb 06, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving HCOL state for financial reasons
Replies: 48
Views: 5816

Re: Leaving HCOL state for financial reasons

I'm interested in hearing from people who have made big moves for cost of living purposes. Was it worth it? Do you have regrets? I work in biglaw (3rd year associate, not contemplating leaving biglaw currently but who knows long term) and DW is in education. We live in a (very) HCOL coastal city wh...
by srt7
Tue Feb 06, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Keep your eye on the owner, not the dog
Replies: 31
Views: 5394

Re: Keep your eye on the owner, not the dog

Just passing along this quote believed to be from Ralph Wagoner, as recalled by Bill Bernstein: "He likens the market to an excitable dog on a very long leash in New York City, darting randomly in every direction. The dog's owner is walking from Columbus Circle, through Central Park, to the Metropo...
by srt7
Tue Feb 06, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Request perspective on career, life, and finance
Replies: 16
Views: 3840

Re: Request perspective on career, life, and finance

OP, You are all over the place and that is causing confusion in your mind. There are things you can control so let's focus on that for now. Per your posts, you seem risk averse and all your future plans seem to revolve around staying put in this country. I'd take this route if I were you ... 1. Get ...
by srt7
Sun Feb 04, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21649

Re: For BHs who actually like cars - what is your daily driver?

If more than 50% of the power is coming from the front wheels, you can’t call yourself a car enthusiast. My most recent vehicles: 2008 Porsche Boxster 2013 Audi S4 2014 BMW 335i M-Sport 2016 Porsche Cayenne I think you're confusing racing enthusiast with car enthusiast. Congrats on owning fast cars...
by srt7
Sun Feb 04, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21649

Re: For BHs who actually like cars - what is your daily driver?

pennstater2005 wrote:
Sun Feb 04, 2018 12:57 pm
Earl Lemongrab wrote:
Sun Feb 04, 2018 12:26 pm
1995 Ford Bronco.
I loved the old Ford Bronco's! The 2020 Bronco is possibly going to sit on an actual frame.

Image


https://www.autoblog.com/article/2020-f ... de-3810685

Looks badass! I hope they stick with 2 doors only.
by srt7
Sat Feb 03, 2018 11:45 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 21649

Re: For BHs who actually like cars - what is your daily driver?

2016 Lexus RX350. Yeah, I do actually like cars :)
by srt7
Thu Feb 01, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7170

Re: New car - how much can we afford?

livesoft wrote:
Thu Feb 01, 2018 8:08 pm
The OP's current car is probably already a Sequoia.
Nope. Alfa Romeo it seems.
by srt7
Thu Feb 01, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: Spectrum Cable Customers: better check your channels
Replies: 4
Views: 921

Re: Spectrum Cable Customers: better check your channels

Cut the cord! Go with Hulu or YouTube TV subscriptions instead.
by srt7
Thu Feb 01, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7170

Re: New car - how much can we afford?

panchilly wrote:
Thu Feb 01, 2018 5:59 pm
mhc wrote:
Wed Jan 31, 2018 1:01 pm
You could easily afford $50-100k.

Get a nice new car for the family.
100k on a car????? that is outrageous.
+1 Especially on a family car.
by srt7
Thu Feb 01, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7170

Re: New car - how much can we afford?

rgs92 wrote:
Wed Jan 31, 2018 1:09 pm
A Toyota Sequoia is a lot of car for the money and super-reliable and holds its value. If it's not overly large, I would check it out.
Second choice, smaller and also very reliable, is a Nissan Murano.
Sequoia is definitely too much car. Probably good for those with 3 kids or extended family etc.
by srt7
Thu Feb 01, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: New car - how much can we afford?
Replies: 78
Views: 7170

Re: New car - how much can we afford?

Thanks everyone! A little bit more data: - the car will be bought to accomodate the needs a baby. i’d love to have a nice coupè, but life equals choices -i was thinking a small Suv or a standard sedan. I would like to have a nice car, but still meet the needs of the family. Today I have an alfa rom...
by srt7
Thu Feb 01, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: What advice would you give yourself if you were 27 again?
Replies: 120
Views: 9564

Re: What advice would you give yourself if you were 27 again?

First of all, Congratulations on being in great financial shape and yet being humble enough to ask for advice. You're wise beyond your years. Lots of good advice has already been given so I won't repeat. One that comes to mind is ... Develop a hobby that could become a side hustle later on. This wil...
by srt7
Thu Feb 01, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a job in a different state?
Replies: 31
Views: 2388

Re: How to find a job in a different state?

So what on earth makes efficient and successful out-of-state job change? What kind of work do you do? I work in an IT infrastructure company (a major supplier for AWS and Microsoft cloud service data centers) as a system thermal engineer, responsible for developing thermal/cooling and power efficie...
by srt7
Wed Jan 31, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 4206

Re: How Long For Mortgage Term?

What you say is right IF both 30 and 15 year terms are of identical rate. But that's never the case. So a 5 year stint will fall expensive using a longer term loan. What I said is true regardless of the rate or term. There is no frontloaded interest on either loan. This is a common misunderstanding...
by srt7
Wed Jan 31, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 94
Views: 10184

Re: Certified Used BMW, Audi or Mercedes

If you want a driver's car get a used Porsche 911. Otherwise I'd get a Lexus if just want luxury. Beamer, Benz, and Audi are poorly rated after the new car smell fades away. I second this. If you want a driver's car, get a 911. If all you're looking for is a solid luxury car, get a Lexus. BTW ... P...
by srt7
Wed Jan 31, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 4206

Re: How Long For Mortgage Term?

Check out the 5/5 ARM from Pentagon FCU. If that won't work then go with 5/1 or 7/1. Interest paid is not only higher in the 30 year fixed but front loaded. So in 5 years you would have paid off very little in principal and built very little in equity. With an ARM at least the interest you've paid ...
by srt7
Mon Jan 29, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 984
Views: 105891

Re: Netflix, Your Current Favorite Show

Goinganontoday wrote:
Sun Jan 28, 2018 9:40 am
The Good Place
Sherlock Holmes
The Great British Baking Show
+1 on Sherlock Holmes. I think Benedict Cumberbatch nails it ... every single time!
by srt7
Wed Jan 24, 2018 4:39 am
Forum: Personal Consumer Issues
Topic: How much house can we afford (Madison WI area)?
Replies: 25
Views: 2727

Re: How much house can we afford (Madison WI area)?

Lot of good advice to consider.

The only thing I can add is that a condo/TH maintenance is only for common areas and facilities. If something needs fixing to your specific unit, it comes out of your pocket. Just like a SFH with HOA.
by srt7
Wed Jan 24, 2018 4:30 am
Forum: Personal Finance (Not Investing)
Topic: How Long For Mortgage Term?
Replies: 36
Views: 4206

Re: How Long For Mortgage Term?

Check out the 5/5 ARM from Pentagon FCU. If that won't work then go with 5/1 or 7/1. Interest paid is not only higher in the 30 year fixed but front loaded. So in 5 years you would have paid off very little in principal and built very little in equity. With an ARM at least the interest you've paid i...
by srt7
Tue Jan 23, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Is a minivan the only commuter vehicle / backup with 3 children?
Replies: 40
Views: 3118

Re: Is a minivan the only commuter vehicle / backup with 3 children?

Thank you all for the responses. 1.The driving is going to be 22 miles freeway and rest city. Each way. 2.2001 Corolla is not current safe and while I do have insurance, am the only breadwinner. So intend to be there for the kids. I know this is subjective but if single I would pick a Civic to work...
by srt7
Fri Jan 19, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 379
Views: 65404

Re: What's your one big takeaway from the Crash of 2008?

I learnt about a company called Vanguard and put all my investments in to a target retirement fund from them. So far so good.
by srt7
Thu Jan 18, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 9728

Re: Short Commute or Nicer House?

OP, While it seems like option 1 is the way to go, I can understand the allure of a new(er) house with lower maintenance. Both have excellent schools so at least there is that. I have friends who don't mind commuting and are big on new houses. Usually one parent leaves to work early while the other ...
by srt7
Wed Jan 17, 2018 7:21 pm
Forum: Investing - Theory, News & General
Topic: 70% chance of correction in 2018 according to Vanguard - Highest in 15 years
Replies: 111
Views: 16445

Re: 70% chance of correction according to Vanguard - Highest in 15 years

OkieIndexer wrote:
Wed Jan 17, 2018 4:28 pm
Ah, but it's possible the 10% correction could start 20% higher than where we are now. :wink:
Good point! When we compare the stock market to this time last year, even a 10% correction might seem like a small blip (for quite a few at least).
by srt7
Wed Jan 17, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 12028

Re: Besides Bogleheads, What Are Your Favorite Forums?

This forum is head and shoulders above the rest. I read MrMoneyMustache from time to time, but they're all recklessly assuming the bull market will go forever and they plan to pull the plug and start withdrawing 4% a year as soon as they hit $500k. Many of them in their 20s. Yeah, I tried that for ...
by srt7
Wed Jan 17, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 12028

Re: Besides Bogleheads, What Are Your Favorite Forums?

What a useful thread! Thank you, OP! I've got to check out that early retirement forum. My list ... City Data Forums: To get an insider feel of what is happening in certain cities etc. Club Lexus: Been a life-long Lexus fan and owner so ... Stackoverflow and Hacker News: Software development related...
by srt7
Thu Jan 11, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1772

Re: What career related challenges can one pursue after age 40?

The answer in my experience is to push yourself into uncomfortable areas. Start with trying to be a manager. I've known people who would never have envisioned being good at that, including myself, which came as a surprise. How do you know that you are a good manager? What metric do you use? I ask b...
by srt7
Thu Jan 11, 2018 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1772

Re: What career related challenges can one pursue after age 40?

I think I'm hitting a mid-life crisis, or something like that. For much of my life, I have been pursuing goals in life. Graduating from high school. Graduating from college. Obtaining a professional license. Graduating from graduate school. Landing a dream job. Getting married. Having kids. Buying ...
by srt7
Thu Jan 11, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 57
Views: 8218

Re: New Washer - Frontload or HE Top Load

I just realized how little I know about W/D's. For 10 years we lived in apartments that offered them. When we finally bought a house we just got a used set off of Craigslist and have been using them for the last 14 years. They're top-load BTW.
by srt7
Thu Jan 11, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 57
Views: 8218

Re: New Washer - Frontload or HE Top Load

alex_686 wrote:
Wed Feb 10, 2016 10:29 am
Since this is Bogleheads I would think the answer was obvious - No Load is the only way to go!

(Sorry, but I could not resist)
:sharebeer good one!
by srt7
Thu Jan 11, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Which Car To Keep
Replies: 25
Views: 1745

Re: Which Car To Keep

I would keep the Tundra as well.
by srt7
Thu Jan 11, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: why do banks bother offering lousy CD rates?
Replies: 50
Views: 6349

Re: why do banks bother offering lousy CD rates?

Good question. Perhaps because the pipeline for such products is already set and (like others posters have mentioned) there are long-term customers who diligently use them. So why would banks bother changing or getting rid of such products. I am sure the laddering concept was just banks being creati...
by srt7
Wed Jan 03, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 548
Views: 55514

Re: What frugal thing did you do today?

Made my own coffee ... twice! :sharebeer
by srt7
Wed Jan 03, 2018 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Two vastly different career considerations...Stability vs. Income
Replies: 67
Views: 5219

Re: Two vastly different career considerations...Stability vs. Income

Single or married? Is there a wife/kids who will be asking "where is dad?" Mid 30s, you still should have some energy left to try the tougher job. Mid 40s, I'd pick option A. The people that work hard/long enough to get the $250k might be single and sleep at their desks. I'm not sure it is worth it...
by srt7
Wed Jan 03, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: How safe are retirement accounts?
Replies: 19
Views: 2001

How safe are retirement accounts?

Everyone here is a hardworking and disciplined saver doing their very best to sacrifice living large now so they can have a (financially) peaceful retirement. But I was wondering about the safety of our retirement funds ... especially from governments. While a govt. might not blatantly take away the...
by srt7
Tue Jan 02, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 984
Views: 105891

Re: Netflix, Your Current Favorite Show

The Ranch.

It took me a couple episodes to warm up to it but now I am hooked. Sam Elliott's character is the best IMHO.
by srt7
Wed Dec 27, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is it me or does everything seem expensive?
Replies: 47
Views: 5890

Re: Is it me or does everything seem expensive?

Not just you. Everything seems expensive the older one gets because there's more that's relative to the past. Not all that long ago. Vanguard 500 index fund (1968) $12/share. (Today. . .$249/share) Back when? Cigarettes 25 cents. Gas 40 cents/gal. Average new house $25,000 j :D Never thought of it ...
by srt7
Wed Dec 27, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14780

Re: Another should i buy my dream porsche thread...

OP, I recommend you watch this video. It came out a year ago. https://www.youtube.com/watch?v=nuVUOB6D6-w I say get yourself a 991, but look for a clean, used 991.1 that's already passed the steepest portion of the depreciation curve. Helpful link! I didn't even know such channels existed on YouTube.
by srt7
Wed Dec 27, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14780

Re: Another should i buy my dream porsche thread...

Alexa9 wrote:
Wed Dec 27, 2017 2:07 pm
Bogleheads Used vs. New Porsche Debate?
The only correct answer is a used Camry/Accord Corolla :mrgreen:
Fixed it :wink:
by srt7
Wed Dec 27, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14780

Re: Another should i buy my dream porsche thread...

remomnyc wrote:
Wed Dec 27, 2017 1:44 pm
Retirement savings seem very light for your age. I would wait on the Porsche.
I am curious what you think would be the right amount then. Can you give us a range maybe?
by srt7
Wed Dec 27, 2017 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 14780

Re: Another should i buy my dream porsche thread...

fantasytensai wrote:
Wed Dec 27, 2017 1:39 pm
You are literally the person that Porsche targets for their products. So, yeah.
This.

OP - why a new 911? Why not a vintage one? I mean obviously this isn't going to be a family car. Porsche purists usually seem to either go the vintage route OR a brand new GT3 RS (~ $200K).
by srt7
Sat Dec 16, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Two commas, I'm calling it
Replies: 20
Views: 5077

Re: Two commas, I'm calling it

Congratulations, OP! Thank you for sharing your path to success!
by srt7
Wed Dec 13, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4618

Re: How to deal with Micro-manager

OP - Curious to know how things worked out for your wife.
by srt7
Wed Dec 13, 2017 1:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard will use blockchain to share index data
Replies: 56
Views: 6940

Re: Vanguard will use blockchain to share index data

I understand that. But my question is if bitcoin is an implementation of blockchain, but you can create as many implementations of the block chain as you want, why would bitcoin have value. As an analogy it's like saying Vanguard is going to use the internet. That doesn't affect Facebook's price. F...