Search found 289 matches

by srt7
Wed Oct 31, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2703

Re: Luxury Sedans for around $25k used with lower miles? AWD?

HEDGEFUNDIE wrote:
Tue Oct 30, 2018 8:06 pm
2015 BMW 5 series fits the bill
+1

Someone here mentioned that 528i is slow. That depends on your last ride. I personally own a 528i and think it's the best of both worlds when it comes to accelerating as well as fuel economy. My last car was a Lexus RX 350.
by srt7
Wed Oct 31, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2703

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Best bet is LS460 you'll be straining the budget a touch for AWD but worth it. To the poster that said lipstick on a pig, drive the LS 460 and you will stand corrected. 5 series BMW is a good option too and much less expensive but won't hold value like LS460. Yeah, but it will be a blast to drive t...
by srt7
Wed Oct 31, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Luxury Sedans for around $25k used with lower miles? AWD?
Replies: 38
Views: 2703

Re: Luxury Sedans for around $25k used with lower miles? AWD?

Bacchus01 wrote:
Tue Oct 30, 2018 8:23 pm
HEDGEFUNDIE wrote:
Tue Oct 30, 2018 8:06 pm
2015 BMW 5 series fits the bill
Low miles, XDrive for $25k? Unlikely
While not at $25K I did see one in the Denver area for $28K. It was a 2015 528i xDrive with 22,000 miles on it.
by srt7
Sun Oct 28, 2018 8:01 am
Forum: Investing - Theory, News & General
Topic: For those that think the current selloff is normal
Replies: 25
Views: 5881

Re: For those that think the current selloff is normal

hdas wrote:
Sat Oct 27, 2018 5:12 pm
Unfortunately this type of stuff is not predictive of forward returns.
Ha! Nothing is and life would be predictable and boring if it did.
by srt7
Sun Oct 28, 2018 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Girlfriend's Student Loans
Replies: 101
Views: 9355

Re: Girlfriend's Student Loans

I'm 32 years old, debt free and earn a decent income. My girlfriend and I were both previously engaged, so early into our relationship we talked about a number of serious topics such as marriage, kids, and finances. I was a little shocked when I found out that she had taken out over 100k in student...
by srt7
Sat Oct 27, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4765

Re: Vehicle recommendations for long commutes in CO mountains

Toyota: 4Runner, Landcruiser
Lexus: GX, LX
by srt7
Thu Oct 25, 2018 7:57 pm
Forum: Investing - Theory, News & General
Topic: Who profits from day to day market swings?
Replies: 13
Views: 1403

Re: Who profits from day to day market swings?

High frequency traders pay enormous sums of money to locate their servers at the exchange's data center. The speed of light in a fiber optic cable means a shorter travel distance results in data getting to their computers slightly earlier than to those physically farther away, and their orders arri...
by srt7
Thu Oct 25, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is it risky to have all retirement savings with vanguard?
Replies: 43
Views: 6000

Re: Is it risky to have all retirement savings with vanguard?

Is it risky to have all retirement savings with vanguard? No what if vanguard goes out of business and we lose all our money? Even if Vanguard goes out of business it won't happen overnight. So you will have enough time to sell your funds and transfer it in to Fidelity etc. Is it risky to have all m...
by srt7
Tue Oct 23, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

Re: PSA: Don't buy a big house

A lot of puzzling posts in this thread. We have lived in North TX 20+ years. We have a 2600 foot house, and I would say for people at or near our income level that is very small. Houses over 3000 Sq ft are not at all uncommon. I never considered 3500 Sq feet a mcmansion. You have to get much bigger...
by srt7
Tue Oct 23, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25885

Re: PSA: Don't buy a big house

http://mcmansionhell.com You’re welcome Oh gosh, I had not looked at that for a LONG time, thanks. The beige kitchen with white appliances. Must.Have. :shock: That is my favorite website!! I love to show it to people who don't get why they are so ugly :) Different people like different things. Whil...
by srt7
Sun Oct 21, 2018 8:46 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 132
Views: 8727

Re: Quitting w/o notice

OP, 2 weeks (or whatever time period) notices are total B.S., if you're on at-will employment agreement. Recommendations needn't be only from your past employer, they can be from your co-workers or your past to past employers/co-workers etc. Also, don't confuse this with "employment verification" .....
by srt7
Sun Oct 21, 2018 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 42
Views: 3931

Re: Has anyone taken out an online mortgage?

I've done both PenFed and Quicken/Rocket at different times for different properties. PenFed was great with rates and closing costs so went with them. Quicken ... not so much. Costco's lenders had so much better rates and closing costs so went with them. Also, with Quicken, I had to deal with multip...
by srt7
Sun Oct 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 67
Views: 7229

Re: Real Estate Versus Stocks

Real Estate is a business, and must be run as a business to be successful. It is not a "passive" investment or investment by "proxy". Stocks, etc, are not. Anyone can buy shares in Vanguard Total Stock and get into the "market". Not so with "physical real estate". Not even an "apples" to "oranges" ...
by srt7
Sun Oct 21, 2018 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell or rent out my bay area house?
Replies: 27
Views: 2812

Re: Should I sell or rent out my bay area house?

I have to relocate from SF bay area to another city. I have a house here with mortgage. I don't know if I should sell or rent out. I don't want to manage rental long distance. If I choose to rent I will have to hire a property management company. I will not have positive cash flow. Selling is more ...
by srt7
Sat Oct 20, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6084

Re: Pull kids from school for vacations?

We definitely try not to but there are times we had to do it. Obviously, absences in Elementary were easier to deal with than in Secondary. But we always made sure the teacher and school knew about our plans weeks ahead so they could tell us about homework, classwork etc. Depending on how we put it ...
by srt7
Wed Oct 10, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8550
Views: 1673127

Re: U.S. stocks in freefall

Well the journalists are all over it today: "it was impossible to gauge the full extent of the carnage..." "Just about every update seemed to bring greater grimness..." "It was not what people are used to..." "On Wednesday, it was all danger and worry." "Mr. Trump marveled at the size... " “This th...
by srt7
Tue Oct 09, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3616

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

quantAndHold wrote:
Tue Oct 09, 2018 4:09 pm
For a FIRST car? Get the slower one, not the zoom zoom one. Add snow tires as necessary.
+1 A Subaru Crosstrek perhaps?
by srt7
Tue Oct 09, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3616

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

Alexa9 wrote:
Tue Oct 09, 2018 1:10 pm
AWD Snow Tire > FWD Snow Tire > AWD All Season > FWD All Season

Are you in the mountains? Then I'd go with a Subie/SUV/Pickup. Otherwise, Mazda is probably fine.
+1
by srt7
Mon Oct 08, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3891
Views: 1087413

Re: What Movie Have You Recently Watched?

A post reviewing the "Black Panther" and a reply have been removed. Please avoid any opinions which describe the racial makeup of this movie (offensive). As a reminder, see: General Etiquette avoid profanities, obscenities, lewd and otherwise offensive words and remarks Fair enough. Perhaps I got c...
by srt7
Mon Oct 08, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21705

Re: Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to those like me who like fast cars a...
by srt7
Mon Oct 08, 2018 12:16 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15764

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

OP, Austin is too crowded, too expensive (for Texas) and too hyped up so I'd skip it. Depending on where you live in Houston, your house could get flooded and/or you will be getting tired of hurrications. Why not look in to San Antonio or Dallas metro? Having said that, IMHO ... North Carolina is a ...
by srt7
Sun Oct 07, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4444

Re: New Car: No Collision/Comprehensive?

IMHO it isn't just about being able to cover the cost of your totaled car. What about the other car? Sure, you're a safe driver but [stuff --admin LadyGeek] happens and you could be at fault so consider paying for that brand new Tesla you just hit as well. Can you pay for it? What about medical bil...
by srt7
Sun Oct 07, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2475

Re: Help with choices for new car

Hello, Need suggestions for a new car to purchase with cash. Current car is 2008 lexus IS bought new; doesn't handle well in snow/ice which occurs only several times a year where I live. Criteria for a new car: 1. Forward-collision warning 2. Automatic emergency braking 3. +/-AWD (all wheel drive) ...
by srt7
Sun Oct 07, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2475

Re: Help with choices for new car

You don't need a new car and you don't need AWD. What you need are winter tires - tires designed to perform optimally in low temperatures and on ice and snow. Even a RWD vehicle like your IS will perform much, much better than the best AWD system with "all-season" tires. I put "all-season" in quote...
by srt7
Sun Oct 07, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4444

Re: New Car: No Collision/Comprehensive?

IMHO it isn't just about being able to cover the cost of your totaled car. What about the other car? Sure, you're a safe driver but [stuff --admin LadyGeek] happens and you could be at fault so consider paying for that brand new Tesla you just hit as well. Can you pay for it? What about medical bill...
by srt7
Wed Sep 19, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25768

Re: What is your single most expensive mistake?

Just a couple days ago I lost my car key, without having a spare one. What's worse, I know the key was picked up by some one living by, which means I couldn't leave car lock unchanged. This single one mistake cost me: 1. $300 - called Locksmith to open the door and make a programmed key, and 2. $50...
by srt7
Wed Sep 19, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25768

Re: What is your single most expensive mistake?

I’m only 23 so there haven’t been that many mistakes (yet), but my biggest mistake so far was going to college. I went to college for 2 years right after high school and quit with no degree and about $11K in student loan debt which I plan to have paid off in the next couple years. Looking back on i...
by srt7
Sat Sep 15, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: Developer Laptop
Replies: 26
Views: 1850

Re: Developer Laptop

Fellow programmers/developers, Due to firewall constraints with my work laptop, I'm looking for a personal laptop to sandbox whatever programming language or framework that peeks my interest. I'll probably be working with Hadoop and Python (data analysis) so I'm thinking I need a minimum of maybe 1...
by srt7
Thu Sep 13, 2018 11:52 pm
Forum: Personal Consumer Issues
Topic: New car or used?
Replies: 6
Views: 737

Re: New car or used?

Accord is sporty. The ES is not. Clearly, you don't care about sportiness or drive etc. So get the Lexus ES.
by srt7
Tue Sep 11, 2018 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: New Job (1st Management Role)
Replies: 30
Views: 3028

Re: New Job (1st Management Role)

I am in a similar situation. Pay: I essentially got a 20k bump since over 4 years. If I step down tomorrow I lose $700 but then get OT which means I can make plenty more. However, I have missed on a number of investment opportunities because of the hours and preoccupation with management. Family: W...
by srt7
Tue Sep 11, 2018 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10391

Re: Anyone else not save for cars?

I don't save specifically for cars. To me that is like saving specifically for electric bill or property taxes etc. Most areas within the USA requires a car so there is no escaping it. I also try to utilize any low APR offers available. Some like paying cash and other like holding on to it. To each ...
by srt7
Tue Sep 11, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10391

Re: Anyone else not save for cars?

I don't, because I just do not have anything left after trying to max HSA, 401K, and saving what's left to increase EF to our goal. I honestly don't know how it seems that (almost) everyone here can afford to max out 401K, IRAs, HSA, have 2 years EF, taxable, separate savings for cars, vacation, pa...
by srt7
Sat Sep 08, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 81
Views: 5948

Re: Subaru: Crosstrek or Outback?

I would go with the Outback.
by srt7
Sat Sep 08, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3231

Re: Selling a newish vehicle yourself, how to do it?

Why do you want to sell it yourself? If it is just for the money I would suggest bringing the car to EchoPark or similar Carmax competition. They usually match it pretty close to the top end of what KBB says you could get from a dealer. At that point you can consider if a private sale is worth the m...
by srt7
Sat Sep 08, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3220

Re: Is it sensible to buy a car from Elon Musk?

He is kind of wacky. Maybe someone who isn’t wacky wouldn’t have undertaken starting an EV company, building a supercharger network, starting a Space company, landing reusable rockets on a barge, etc etc etc. I love my Model X. I have a deposit down on 4 Tesla Powerwalls. Musk smoking pot on camera...
by srt7
Tue Sep 04, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7323

Re: Daily Driver (Car) Over 100K Miles?

200K miles in under 10 years? 25K+ per year?

How does one put so many miles?
by srt7
Tue Sep 04, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Advice on relocation or staying put
Replies: 85
Views: 8270

Re: Advice on relocation or staying put

OP here. Found this thread while searching for something else so thought I'd post an update. We finally made the move few months ago. Picked Denver metro and it's been great! Thanks to everyone for your inputs!
by srt7
Mon Sep 03, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Selling a car to CarMax
Replies: 74
Views: 7803

Re: Selling a car to CarMax

Every time I need to sell a car, I start with them. They quote a number and I know that is my starting point. Plus they do a quick check that tells me my car is sell-able.

Definitely look into EchoPark (or perhaps something similar).
by srt7
Fri Aug 31, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund size
Replies: 72
Views: 6691

Re: Emergency fund size

Hi, I have read in the forums that some have $50k as emergency fund. Is there any guidance around what the size of a emergency savings should be. I was guess somewhere $30-50k, but is there any measurement in terms of months of wage or similar so that I can ballpark what is reasonable? Thank you in...
by srt7
Fri Aug 31, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6675

Re: Lexus vs. Mercedes

OP - I was in the same position not too long ago. For years I had chosen to go with reliable brands (Toyota, Honda, Mazda etc.) and then I had to make a call on taking a chance and driving what I always wanted (Mercedes, BMW, Audi ...) or continue to play safe but perhaps bump it up to luxury (Lexus...
by srt7
Fri Aug 31, 2018 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 3075

Re: Best Checking Account?

MichCPA wrote:
Fri Aug 31, 2018 10:45 am
livesoft wrote:
Fri Aug 31, 2018 10:41 am
Wells Fargo. Free everything if you get the right account. They are probably paying new clients to open accounts now, too.
No, they just open them for you......couldn't resist.
You beat me to it! :sharebeer
by srt7
Fri Aug 31, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best Checking Account?
Replies: 45
Views: 3075

Re: Best Checking Account?

1. U.S. Bank
2. Chase (if you're in a location where U.S. Bank doesn't serve)

I used to bank with Ally until a couple years ago. Never again. Brick-n-Mortar is the way to go followed by credit unions.
by srt7
Wed Aug 29, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 2059

Re: YouTube Car Reviewers

OP - good list! +1 to Doug Demuro as well. I even read his book and followed his blog for a while. Very interesting take/perspective on cars.

One other presenter I follow is Micah Muzio from Kelley Blue Book channel. Here is his review on the 2019 Ford Mustang Bullitt.
by srt7
Fri Aug 24, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22134

Re: Decent compensation to move to Bay Area CA?

My experience: I am from the mid-southwest. I got my 1st job in bay area, 1 year, I screamed and went running. I could not take the culture, crowd, insanity in prices etc. Just go to the fremont costco on a saturday, there is no space inside costco to walk! People were mostly from other cultures an...
by srt7
Fri Aug 24, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22134

Re: Decent compensation to move to Bay Area CA?

I wouldn't do it. $140K is easily upper middle class in Charlotte. There was a study done a couple years ago that said under $105K (or something close) is poverty in the SFO bay area. You may be thinking of this: https://sanfrancisco.cbslocal.com/2018/06/26/hud-117000-low-income-san-mateo-san-franc...
by srt7
Fri Aug 24, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1850

Re: Have you made short term sacrifices to gain long term success?

JBTX wrote:
Thu Aug 23, 2018 10:41 pm
Maybe try Austin instead? Austin isn't CA, but it isn't Houston either.
IMV ... a move to Austin would be "neither here not there" as in not really saving much nor living in OP's choice of city.
by srt7
Fri Aug 24, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Have you made short term sacrifices to gain long term success?
Replies: 17
Views: 1850

Re: Have you made short term sacrifices to gain long term success?

In my late 20’s I accepted a work assignment in rural North Dakota. The incentives were free housing, car, monthly allowances, extra bonuses etc. I spent 2.5 years there and it was one of the best things I’ve ever done. I was able to save $250k while I was up there; and the work experience looks gr...
by srt7
Fri Aug 24, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22134

Re: Decent compensation to move to Bay Area CA?

I have a family of 4 and we live in Charlotte area. I make ~ $140k annually (can sacrifice my work life balance and make ~160k) as an IT guy (I'm a kind of tech lead \ architect). We live in a $320k 2400 sq ft 4bd house and are able to save few buck into taxable account (401k maxing out as well). I...
by srt7
Fri Aug 24, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Decent compensation to move to Bay Area CA?
Replies: 290
Views: 22134

Re: Decent compensation to move to Bay Area CA?

There are only two major items that are more expensive in California: housing and state income tax. Where is this job located? A house of the size you’re looking for will run you $1.5M in most areas. Can you afford that? Not true. Everything is more expensive including gas, utilities, daycare, milk...
by srt7
Wed Aug 22, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16997

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

Criteria: - Street price under $30k - Reliable - Fun driving dynamics (please no Corolla/Prius-type recommendations) - Support for Android Auto/Apple Carplay (either available now, or coming soon) - Can be new or used, but nothing over 3 years old What do you recommend? I am in a similar boat (with...