Search found 2083 matches

by Helo80
Fri Mar 12, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Motor vehicle accident; civil lawsuit
Replies: 87
Views: 12326

Re: Motor vehicle accident; civil lawsuit

scifilover wrote: Fri Mar 12, 2021 7:57 am Might suggest to brother that he look into defensive driving class for nephew. The only way you can rear end another car is by following too close.....

Many new cars have Automatic Emergency Braking systems on them now as well. If memory serves, all new cars sold in the US will require this system in another year or two. Subaru EyeSight is a fantastic system. My Toyota has Safety Sense, and it's a good system as well.

Also, +1 for dash cams.
by Helo80
Thu Mar 11, 2021 4:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 22381
Views: 2120329

Re: U.S. stocks continue to soar!

I'm wondering when people are going to run out of money or stimmies to pump into stocks.
by Helo80
Wed Mar 10, 2021 5:55 pm
Forum: Personal Investments
Topic: Where do you keep your emergency fund?
Replies: 45
Views: 4845

Re: Where do you keep your emergency fund?

Emergency Fund is VTSAX
by Helo80
Wed Mar 10, 2021 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 17978

Re: 35 and thinking about early retirement or partial retirement

OP, you have enough to retire. There are enough income based social safety nets in place that are laws of the land that you should be able to ride this out.
by Helo80
Tue Mar 09, 2021 6:56 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

health teacher wrote: Tue Mar 09, 2021 6:48 pm
Helo80 wrote: Tue Mar 09, 2021 6:41 pm
What's the inside joke? I'm extremely dense right now... It is completely going past me.

I always stereotype gamers as carrying a few extra pounds b/c of gaming and its sedentary nature.
Gamestop the company is trimming "fat" by closing stores in low traffic areas, among another things.

The other 4 were food related so I had fun with words.
Oh yeah, GS is doing that for sure. :sharebeer
by Helo80
Tue Mar 09, 2021 6:46 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

No one was stopped from selling. Who was left holding the bag because they could not sell ? If someone held on it was because of FOMO, greed, whatever. And that's exactly why the GME in first wave tanked (which ruined the biggest short/call squeeze in stock market history). Brokerages like Robinhood halted the buys and DID NOT let the call options get exercised. That completely changed the game of the first wave. If the calls were done as the 'rules of the game', brokerages regardless of the calls being exercised MUST have had to buy the stocks of GME that day. And the number of stocks on the calls alone were more than the number of shares available. There's a good reason why IBKR founder stated that he 'had to' shut off the stock. Brokera...
by Helo80
Tue Mar 09, 2021 6:41 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

queso wrote: Tue Mar 09, 2021 6:34 pm
health teacher wrote: Tue Mar 09, 2021 6:33 pm The Gamestop because they are trimming fat and the others are all about adding fat.
lol.. ok, that one made me laugh. :sharebeer
What's the inside joke? I'm extremely dense right now... It is completely going past me.

I always stereotype gamers as carrying a few extra pounds b/c of gaming and its sedentary nature.
by Helo80
Tue Mar 09, 2021 5:42 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

Nate79 wrote: Tue Mar 09, 2021 4:46 pm Concerning the restrictions on buying set by brokerages, it's pretty bad when the tin foil hat conspiracy theorist "brokerages are out to get us" mentality has infected Bogleheads.
I get it that you think that Wall Street and the hedge fund will always win this one. But, what do you care about BHs (or anybody) getting caught up in the sensation? If you're really that confident in Jack Bogle's words of wisdom, this is all just market noise.

I personally think that it's a fun discussion.


PS - on Jeopardy today, none of the three contestants could identify the leader of the Chiefs. I think that they included a photo as well. Smh.... fact nerds.... smh...
by Helo80
Mon Mar 08, 2021 7:01 pm
Forum: Personal Consumer Issues
Topic: Daughter taking a Job in DC - where to live?
Replies: 111
Views: 9860

Re: Daughter taking a Job in DC - where to live?

02nz wrote: Mon Mar 08, 2021 6:55 pm We can also make choices about which threads we comment on.
Correct. You were under no obligation to post to this thread either.
02nz wrote: Mon Mar 08, 2021 6:55 pm Please tell us how many minutes/hours/days you have actually spent in the District of Columbia.
Enough that it would not be the answer you're expecting. I do remember the MD and VA plated cars carting the liquor out from the DC Costco.

For context -- I've been up and down I-95 from DC to NYC... and I had a pretty horrible experience. That's just me though. Plenty of people like/love the hustle and bustle.

I give up. DC has incredibly safe neighborhoods.
by Helo80
Mon Mar 08, 2021 6:54 pm
Forum: Personal Consumer Issues
Topic: Daughter taking a Job in DC - where to live?
Replies: 111
Views: 9860

Re: Daughter taking a Job in DC - where to live?

02nz wrote: Mon Mar 08, 2021 6:51 pm VA and MD are not significantly cheaper for housing than the nicer areas in DC, unless OP's daughter is prepared to spend 2+ hours a day commuting. Anyway, housing prices can easily be found online, OP's daughter can decide whether housing in the not "very rough" parts of DC are affordable for her.

As for "private security detail," that's just absurd. In my years living and working in DC, I didn't know anyone who found it necessary to hire their own private security detail.

I did cleanup on this thread as you can see.

We can all make choices about where we live. I've seen some of the NWs posted here... We have plenty of choices.
by Helo80
Sun Mar 07, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

I don't believe in marriage. I have seen way too much carnage.. my friend is paying alimony for life while his ex drives a Maserati...seriously messed up. These days there is no need, you can just live with someone and the commitment can be just as good, why is a piece of paper important? In some areas of the country, it might be possible to live together, unmarried, but keep the financial parts separate. However, in other parts of the country, the judge may take the wealthier individual to the cleaners in the even of a split. It's one of those things where if Kobe Bryant (rest his soul) lives together with the cashier from Taco Bell.... her lifestyle is only going up regardless of how the relationship ends. I would fear would Los Angeles ...
by Helo80
Sun Mar 07, 2021 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

TheNightsToCome wrote: Sun Mar 07, 2021 8:27 pm However, if I had reason to believe my marriage had a 50% chance of failure, I certainly would not have married. I don't know what percentage of marriages end in divorce, but that has nothing to do with my marriage.

Most people don't start restaurants (or any businesses) with the expectation that it will fail. However the success rate speaks for itself.

Many actively traded mutual funds intend to beat the S&P500 long-term. However, the success rate speaks for itself.

You're right though, everybody elses marriage has nothing to do with your marriage, and 100% of pre-nups signed right now have 0% bearing on your marriage.
by Helo80
Sun Mar 07, 2021 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

TheNightsToCome wrote: Sun Mar 07, 2021 7:48 pm Then don't marry. You don't have to make that promise.

(I'm not religious and don't have any interest in Dave Ramsey's opinions.)

What do you care what others do then? You are not religious, and therefore people tying and untying the knot has zero, and I mean zero, bearing on your life.

It's common knowledge that 50% of marriages end in divorce (or just about if it's slightly under). There is nothing wrong with asking legal questions about a legal arrangement prior to entering in it. OP has every right to be concerned especially if this is an arranged marriage. India is an economically depressed country and OP has (at least) a million in assets.
by Helo80
Sun Mar 07, 2021 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

If you decide to get married with a prenup, you're making a lifetime promise while simultaneously creating documents to handle the dissolution of the marriage. That is a contradiction. It makes no sense. I write this as someone who married with about 100X my wife's net worth and changed everything to joint accounts after marriage. I wouldn't marry if I didn't want it that way. I want to take care of my wife, even after I am dead. If you don't, then why marry? It may be worth re-considering your position: https://www.youtube.com/watch?v=T8OWu_z48gA Even Dave Ramsey, a proud and staunch Evangelical Christian, would recommend a cascading pre-nup that ages off with time. I'm not going to tell you the specific reason "why" Dave says w...
by Helo80
Sun Mar 07, 2021 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

And even if you choose not to have a prenup, you need to sit down and have a serious financial discussion with your fiancée before getting married. Entering marriage with one partner thinking "what's your is ours" and another partner thinking "what's mine will never be yours" is a disaster in the making. Unfortunately, it's not that simple. Several here are divorced and have considerable assets when you look at mean household NWs. Talking before marriage is indeed that simple. Obviously it doesn't prevent divorcing. But getting married with wildly different ideas about finances makes things worse, IMHO. Avoiding the discussion can't help. Ok gotcha -- misinterpreted your comments first go-around. Yeah, if you have a spe...
by Helo80
Sun Mar 07, 2021 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can I avoid a prenuptial agreement if I do this?
Replies: 86
Views: 6571

Re: Can I avoid a prenuptial agreement if I do this?

JoeRetire wrote: Sun Mar 07, 2021 3:05 pm And even if you choose not to have a prenup, you need to sit down and have a serious financial discussion with your fiancée before getting married. Entering marriage with one partner thinking "what's your is ours" and another partner thinking "what's mine will never be yours" is a disaster in the making.

Unfortunately, it's not that simple. Several here are divorced and have considerable assets when you look at mean household NWs.
by Helo80
Sat Mar 06, 2021 1:17 pm
Forum: Personal Consumer Issues
Topic: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?
Replies: 76
Views: 5612

Re: Can Subaru Outback cabin and air filters get really dirty in just 3500 miles?

The cabin is usually super easy to check, it may be behind everything stuffed in the glove box. Or not. Totally depends on the car. I've DIYed many cars, and while some are "super easy" others certainly are not. Vintage BMW 5-series was stuffed behind the center consul and really difficult to access. On my 2008 VUE, you need to totally remove the glovebox to access the cabin filter. My 2016 GLC300 has 2 filters, one inside that's moderately difficult to access and another that's easy to change but under the hood. So if you change the cabin filter on the GLC300 but don't also change the dirty "dust filter" under the hood, a clean cabin filter will do you no good. Most BHs are steretoyped as buying Accords/Camry's, and it...
by Helo80
Sat Mar 06, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Daughter taking a Job in DC - where to live?
Replies: 111
Views: 9860

Re: Daughter taking a Job in DC - where to live?

inverter wrote: Sat Mar 06, 2021 10:54 am Not to harsh your parenting, but why doesn’t your daughter figure this out on her own? I’m 27 and never asked my parents for advice on my lifestyle.

DC is very rough outside of the tourist areas. I personally would not want to live there. Plus, I have a bunch of property that would be felonies in DC (related to firearms).

There are nice areas though, but nothing a fed in their 20's can afford unless she patented something amazing. Then again, Dad would not be posting here if she had the means to buy a solid place in DC...
by Helo80
Sat Mar 06, 2021 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Index Universal Life for Cryonics
Replies: 52
Views: 6093

Re: Index Universal Life for Cryonics

Maybe there will be a time on this forum where BogleHeads advise each other on AA and minimal amounts needed before Cryogenically freezing oneself only to be awoken again several hundred years in the future with billions of dollars on the stock market.
by Helo80
Sat Mar 06, 2021 10:43 am
Forum: Personal Investments
Topic: Vanguard ETF All Equity Portfolio with No Overlap
Replies: 63
Views: 6820

Re: Fidelity Zero vs Fidelity Index Funds for Roth

Investor7265 wrote: Sat Mar 06, 2021 8:55 am Is it better to use to fidelity zero funds or their regular index funds to achieve this allocation? Is there a catch to the zero funds having no fees?
Zero expense funds are cool and all, but something like FSKAX (total stock market) has an ER of 0.015% or 1.5 bps or $150 per $1 million dollars invested.

If you have a million dollars in your Roth, I don't think you'd miss $150 in expenses per year.
by Helo80
Fri Mar 05, 2021 5:59 pm
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 8058

Re: Is my Financial Advisor's advice sound?

Is your net worth about 8 digits? Why is your adviser recommending Whole Life?

YouTube the videos on "Whole Life". Dave Ramsey has a number of rants on Whole Life that you should pause to at least consider.
by Helo80
Fri Mar 05, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

I'd never buy a vehicle online site unseen. And you shouldn't have either. :moneybag Agreed. This thread could have easily gone the other way where OP is asking how to get out of the deal b/c come to find out, the previous owner smoked like a chimney in the vehicle. Another guy that didn't read that op test drove the car. You're right. Though, I read the thread yesterday in a more sober state, and I was probably more accurate in that no Buyer's Order was ever signed in this process. I'll double down though in that OP test drove the car, liked it, and then decided to fill out buying applications at home. If he/she really liked the car, should have bought it right then and there. But then, there might be some that think OP is a sucker for &q...
by Helo80
Fri Mar 05, 2021 4:02 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

rustymutt wrote: Fri Mar 05, 2021 11:48 am I'd never buy a vehicle online site unseen. And you shouldn't have either. :moneybag

Agreed. This thread could have easily gone the other way where OP is asking how to get out of the deal b/c come to find out, the previous owner smoked like a chimney in the vehicle.
by Helo80
Fri Mar 05, 2021 2:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652134

Re: U.S. stocks in free fall

Helo80 wrote: Fri Mar 05, 2021 10:31 am EyeGreping the S&P500, it looks like the YTD low was 3714... My guess is that we drop past that today or sometime soon.
It didn't happen today. However, if this morning's decline had continued, I would have thrown some coins into VTSAX.
by Helo80
Fri Mar 05, 2021 10:32 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652134

Re: U.S. stocks in free fall

Stinky wrote: Fri Mar 05, 2021 10:30 am It’s lookin’ ugly out there.

We can gather around the campfire tonight and sing Kumbaya and read the Gospel of Jack Chapter 2 verses 3-4: "This is all just noise. HODL the VTSAX"
by Helo80
Fri Mar 05, 2021 10:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652134

Re: U.S. stocks in free fall

EyeGreping the S&P500, it looks like the YTD low was 3714... My guess is that we drop past that today or sometime soon.
by Helo80
Fri Mar 05, 2021 10:29 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4652134

Re: U.S. stocks in free fall

This is the environment where Dollar Cost Averaging really shines. I wouldn't do any lump sum investments in this environment... both my refund and stimulus monies will be parked in my savings account until the market starts to rise again. +1, though imo DCA shines as you average down, i.e. you want to keep buying the shares as markets fall. But doing so is unlikely to lead to out performance. It may feel psychologically better.... Oh no, we didn't go DCA vs lump sum in the falling thread! This debate is never-ending on this forum, my bros. BH.org can excel at minutiae and attempting to financially engineer maximal accumulation of dollars thru white papers of historical research. At the EOD, if $5,000,000 showed up in my bank account, I'd ...
by Helo80
Fri Mar 05, 2021 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 510
Views: 78612

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

I learned in this thread to not get married and trust no one.

Also, gold and GPS coordinates seems like another way to do inheritance. That way, the people you love will know where it is. The people you don't love won't know where it is. If the people you love eventually pass, then it does not matter anyways and somebody will get lucky tens or hundreds of years down the road (or never).
by Helo80
Thu Mar 04, 2021 10:01 pm
Forum: Personal Consumer Issues
Topic: Flooring
Replies: 26
Views: 2638

Re: Flooring

Another vote in my book for the engineered hardwood floor. While I love me a good solid hardwood floor, and such floors still exist in 200+ year homes (and I could imagine be sanded and restored with the right crew), the practicality of solid hardwood is that none of us are living 200 years unless things drastically change, and styles and tastes change in 200 years.
by Helo80
Thu Mar 04, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

UpperNwGuy wrote: Thu Mar 04, 2021 7:15 am I just read this entire thread from beginning to end, and my mind kept thinking back to those other boglehead threads that encourage members to solicit email bids from multiple dealers in an attempt to start a price war for a certain make and model of new car. Seems like this dealer was simply running that same strategy in reverse. What's good for the goose is good for the gander.

Some people are so hardened and bitter about the car buying process that every action they take will become a self-fulfilling prophecy that the experience is going to be terrible.
by Helo80
Thu Mar 04, 2021 9:41 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

humblecoder wrote: Wed Mar 03, 2021 9:56 pm I'm sure a car dealership is the same way. They get tons of lookie loo's who kick the tires, take test drives, promise that they'll be back as soon as they get their next paycheck, get the approval for the bank loan, etc, but are never heard from again. So when an actual customer shows up with a check in hand, ready to buy the car, I don't blame then in the least for taking the sale instead of waiting on some promise for a sale.
For sure. From memory, the rough estimate that a customer who enters the dealership is converted to a sale is 1 in 4. The chances an internet lead turns into a sale is 1 in 10. The chances an internet lead converts is so low that is why some dealers don't play BH negotiation games.
by Helo80
Tue Mar 02, 2021 8:47 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

Colorado13 wrote: Tue Mar 02, 2021 6:39 pm It would be difficult for them to do so because this was a low mileage pre-owned car; most others of this model had 30,000-40,000 more miles on them so the other cars are not similar alternatives.

What's the car? An FJ Cruiser? That's the only thing I can think of where it might have low-mileage and be difficult to obtain.
by Helo80
Tue Mar 02, 2021 8:42 pm
Forum: Personal Consumer Issues
Topic: Should I buy this 4Runner with my current situation?
Replies: 46
Views: 4419

Re: Should I buy this 4Runner with my current situation?

Tommy wrote: Tue Mar 02, 2021 5:31 pm 4Runner doesn't have Blind spot monitoring. Beats me why. For me it is deal breaker. Otherwise I'd have owned it ...
The 4runner does not have a lot for what you pay for one, and the vast majority of buyers (I'm guessing) are not taking them to 300k+ miles and will keep them as a Pavement Princess.

I do like them though, and they're probably in my Top 5 favorite commuter cars on the road now. So, I'm not really dogging it.
by Helo80
Tue Mar 02, 2021 8:32 pm
Forum: Personal Consumer Issues
Topic: Help! Dealer may have sold the car we are buying
Replies: 97
Views: 9336

Re: Help! Dealer may have sold the car we are buying

Dealers are paid on a car sold, not promises of a car sold.

What did the Buyer's Order that you signed say? I find it unlikely that you signed one from what you described.

Yes, it's a jerk move by the dealer to go through all the motions of DLs, upload this, upload that, upload your marriage certificate, upload your 401k, upload your property deed....but part of that is to get you going and gauge your interest in the car, as well as, probably a bit to feel like you've obligated to buy the car. I think some mortgage lenders pull this stunt and make the process more difficult than it has to be such that they have you on the hook and you sign with them as you don't want to go through the whole process with anybody else at that point.
by Helo80
Mon Mar 01, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Do I need new tires?

OldBallCoach wrote: Mon Mar 01, 2021 7:37 pm Brakes, tires and parachutes are three areas I tend to not go cheap on.

But, this is BHs and anybody that sells a product is part of a grand conspiracy against your retirement savings. :sharebeer
by Helo80
Mon Mar 01, 2021 7:37 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Do I need new tires?

Broken Man 1999 wrote: Mon Mar 01, 2021 3:06 pm Here is a handy source of information from a company that has every incentive to sell you a tire:

https://www.michelinman.com/tireinspect ... tread.html

Enjoy!

This post courtesy of a random person on the internet, who does not sell tires, or spin stories about tires.

Broken Man 1999


It's a good guide from Michelin.

Helo80
by Helo80
Mon Mar 01, 2021 7:34 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Tire Rot?

Broken Man 1999 wrote: Mon Mar 01, 2021 9:53 am I wonder how low some will allow the replacement bar to be set. Some of this reminds me very much of how quickly 3000 mile oil-changes became imbedded in so many minds of drivers.

Broken Man 1999

Realize that that was recommended at a different time when engine machining was far worse than today and conventional oil was the norm.

Helo80
by Helo80
Sun Feb 28, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Do I need new tires?

Beensabu wrote: Sun Feb 28, 2021 4:47 pm I have been in the situation many many times where I replaced my back tires and got the old ones rotated to the front, and the "new" back tires were used with barely more tread than the old ones.

Something subtle but worth noting for this forum is that you always, always, always put the newest tires on the back of the car and the older tires on the front of the car if you only replace two at a time. You run a high risk of hydroplaning the car if you put new tires on front and the worn tires on back.
by Helo80
Sun Feb 28, 2021 5:04 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

To read Bogleheads you would think no one every made money by investing in individual stocks. In fact, the data used to support this argument comes from studies of mutual funds, where managers have not been able to consistently beat the market. But mutual fund managers face constraints that are not issues for the individual investor. Individuals do not have to deploy increasingly large sums that can move the market. They do not have to adhere to any kind of style. They don't have to be in the market at times when they don't see anything they want to own. And they can afford to be wrong for a couple years if being wrong teaches them things that help them be more right going forward. Bogleheads are very selective in what factoids they choose...
by Helo80
Sun Feb 28, 2021 5:01 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 5086
Views: 396777

Re: [GameStop GME trading mega-thread]

denovo wrote: Sun Feb 28, 2021 7:14 am HODL- Hold for dear life
That may be the revised definition. However, "HODL" started as a typo in a drunk rant on a bitcoin forum when BTC prices crashed in 2013.

Google: "I AM HODLING"

I can't link the bitcointalk.org forum post due to the language used.
by Helo80
Sun Feb 28, 2021 4:20 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Do I need new tires?

Vtsax100 wrote: Sun Feb 28, 2021 4:12 pm Well I think thats a little extreme.

Any other tire lurkers here. Look at tires on cars in parking lots. You can see some really scary stuff. Its amazing what people will drive with.
Yup. It's amazing what's on the road, and how long people allow this stuff to go on for. Or, when people are driving 70+ in their Caddy's on the donut tires mounted on the front left or right wheel. I definitely keep my distance on those cars.

Vtsax100 wrote: Sun Feb 28, 2021 4:12 pm And I do love driving with new tires. The only thing better than driving with new tires is driving with new tires on fresh asphalt. Now thats the ticket!
I've never experienced new tires with fresh asphalt, but I do love me a new set of tires. Nothing can beat how sticky and grippy they are with the road.
by Helo80
Sun Feb 28, 2021 4:05 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Tire Rot?

At the end of the day, tires are expensive, and unfortunately, this forum can gravitate towards being penny wise and pound foolish. I believe you have to have a balanced approach. Replacing tires a little more frequently than maybe necessary shouldn't be a big expense and I think most of us don't hesitate to do that. But you may also be able to improve safety by buying a better car, or adding aftermarket brake or suspension parts, or doing any number of things that might give you as much of an improvement to safety as replacing somewhat marginal tires. Replacing tires that are obviously worn or extremely old is obviously important, but there are always safety tradeoffs, and if you choose the best possible safety every time, you'll end up w...
by Helo80
Sun Feb 28, 2021 3:42 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Tire Rot?

Certainly, tires on cars that are garaged will last longer than tires on cars that are subject to the elements. Still I would not push it much beyond 7 years. If a car was not driven much and was garaged all of the other times, I could see stretching it out maybe to 10 years. But this in my view is a false economy, if in doubt throw it out. The proverbial little old lady that takes her car to church and to the grocery store could get away with older tires, if you were doing serious highway driving I would not chance it. I agree... 6-7 years is about as long as I would go even if the tires "only" have 5,000 miles on them over that 6-7 years. I guess if I lived in a small-town and 30 mph was about the fastest I ever go, then that's...
by Helo80
Sun Feb 28, 2021 3:34 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 7195

Re: Tire Rot?

It depends a lot on the conditions the tires are subjected to. Tires may last over a decade on a "garage queen" that seldom sees ultraviolet rays or extreme temperatures. My motorcycle tires lived 13 years and even then tread wear was the dominating factor! Tires that spend many hours a day with direct sun/wind exposure will dry rot more quickly. tl;dr -- Speed kills but so can bad tires. I would still be cautious and realize that if you do have said garage queens, maintenance on them to keep them in safe operating condition is a must. https://www.cnn.com/2015/11/17/entertainment/paul-walker-death-lawsuit/index.html The thing about the crash was that it was in a business park in fair-weather and typical sunny SoCal conditions. Ro...