Bogleheads.org

T4REngineer

I have no tips. I don't think it is insane because you know you will love it and you can afford it. Even if it turns out not to be the best financial decision you ever made, it will be one you enjoy. Might be a little foolish, but what the heck. While I have lots of reservations I assume you have d...

T4REngineer

No way would I waste time on trying to get the money spent on insulation back - consider it an upgrade in noise reduction (maybe), keeping the place more uniform temperature and long term earthly benefit. I totally see where your coming from but I don't think its worth your time. The credit seems li...

T4REngineer

2002 Chevrolet Silverado 2500HD Duramax Diesel - 96k miles (original injectors...knock on wood!) According to some here, I probably have a death wish because I have a vehicle that's older than 3 years old and doesn't have 30,000 little nannies watching over me. Doesn't phase me. Can't live life in ...

T4REngineer

There is a huge variation in the level of job satisfaction and while personally my career has been fairly easy I have seen first hand toxic work environments and what they do to good people - no amount of money is worth putting up with that. You live once and for an unknown amount of time. I would n...

T4REngineer

#1 - This sounds like a dream. #2 - Sounds like a nightmare. Life gets miserable with 60 hour weeks long-term. Miserable enough to impact one's health. Definitely a hard pass, unless you've done this before and enjoyed it. #3 - Not enough of a pay bump to risk a job change. #1 has been a dream #2 I...

T4REngineer

It should come down to which you prefer, either one you should get dedicated winter tires if you are trying to make safety a #1 priority and in that case they will both perform to level that should be more than acceptable for your use. Considering the ground clearance of a minivan you are not lookin...

T4REngineer

Dear Bogleheads, I would like to seek your help in making a decision, especially from those who know cars well. I have a 2003 Toyota Corolla with 136,000 miles. This is my only car. I was planning to buy a new car at the end of the year and give Corolla to my daughter early next year when she turns...

T4REngineer

Stay where you are at - I am your age but with a DD who is 2.5 and with a combined income are still ~50k away from you. I work a 9-5 , maybe a bit less but am on call 24hrs a day and get texts/calls at least 3-4 after-hours times a week with the plant to answer questions and I am looking to leave to...

T4REngineer

While we are pilling on - For just under 3/4 of an acre I went with a used JD X738 and 54" Deck, 54" Snow blower, Garden trailer, Plug Core aerator, 3 bagger system and a self built 12x16 shed (biggest without a building permit and lots of inspections) and my only regret is not biting the ...

T4REngineer

Curious OP what type of dwelling do you rent?

T4REngineer

I have used Max Drano Gel Clog Remover for the sink for Washing Machine with limited success. Overnight for a full load etc...Any experience of drain unclogger that have a better performance? Chemicals have little place here unless the clog is in an area you can not access which is highly unlikely ...

T4REngineer

Towing is only one part of the equation, its also owning the exact car I want that I love looking at, driving, and knowing I can trust it. I know it's not exactly what my frugal dad drove that owned mini-vans for 30yrs, but now he's retired and can't drive on long trips because of back problems. Ha...

T4REngineer

I doubt it will lead to a failed retirement, what ever that is, but not really enough details (current retirement portfolio value etc.) Just a side note I love 4runners and have 2 5th gens but I would cation you about towing, they make decent power but it is high in the powerband (RPMs) while I am s...

T4REngineer

Sounds like she doesn't want/need things so I would stay aware from that - things that come to mind *Meal service/prep for when #2 arrives (Congrats BTW) *If she likes Spa days maybe pay for that either with a friend, with you or solo - no idea what she would prefer *A nice relaxing dinner out where...

T4REngineer

You really need to get supplies - either from the store (borrowing a neighbors vehicle if needed) or possibly from a neighbor themselves. Everything else is band aid - even for a lot of band aid options you need more than JB weld and Screen, not saying there is no chance it works but I would be very...

T4REngineer

We have 2, both Trail Premiums (what they would call Off Road Premium now IIRC) 2014 and 2015 with about 70k and 80k respectively. I would do it again in a heart beat but we beat mine to death off-road (have yet to break it) and my wife's is more our long distance trip car with more street focused t...

T4REngineer

I just saw a nice 2011 LC with 115K on it for 35,000...buy it and spend 2500 on it to get it tight and drive it for another 100K easy...maybe add in another 3K for brakes and tires and you are golden. Just a thought...Sequoia is NOT a LC but its nice too. The Land Cruiser fans are beyond parody. Un...

T4REngineer

I went for a 5 (maybe less....details are rusty) day trip about 5 years ago - While I am a bit rusty on the details as I didn't plan it I'll give you my thoughts from a 33year old male, generally outdoorsy but not hardcore type guy, grew up in scouts taking plenty of week long trips and outings with...

T4REngineer

People would be apoplectic over paying an extra 0.8% in expenses, yet the OP brushes this off this increase in return. This is the first thing that came to mind when reading the OP. Sure if you are 55 hoping to retire at 65 the savings rate is what matters not the return but as another poster point...

T4REngineer

I think most advise around here will be to take the slow, steady mostly boring approach of diversified low cost investments. I also think no one will fault you for having a little play money, we only live once. For what's its worth if you are focused on getting rich quick I would work on whatever it...

T4REngineer

I hope I will (we "only" have ~800k in investments) so while not able to say for sure I image things won't change - I , for the most part, enjoy doing everything DIY. Including lawn care, fertilization its tempting to farm out as the cost for me to buy the raw materials (no not from HD or ...

T4REngineer

If you have “between 2 and 3 million” yes you have “won the game”. You’re in the top 2% of the United States and most of the rest of the earth can’t even comprehend your wealth. I never understood this thinking. I assume we are not all playing the same “game”. In golf, there is an analogy, “play yo...

T4REngineer

Its funny that folks are getting stuck on "self made" - We should all agree on the intent, none of us are where we are today without the influence of others. However I certainly consider myself self made although compared to many my life has been handed to me on a silver platter but I will...

T4REngineer

I’ve read the book, and let’s just say... I’m not trying to keep up with the Joneses, I am the Joneses. I love it - compared to the average American we are the Joneses (doubtful compared to you as a 90k SUV is not in our cards) but that statement made me chuckle...…."I am the Joneses" :sh...

T4REngineer

Pretty much what the title states. Budget is $90k + taxes. Consideration set: Tesla Model X Audi SQ7 Mercedes GLS BMW X7 M50i Any others worth checking out? I think the only thing folks have not mentioned is the Infinity QX80 (Infinity version of the Land Cruiser). I am not saying its the right cho...

T4REngineer

Personally I think I would take Option 1 - If you are close to your family you can not put a price on that , multiples if you have children and aging parents and do not underestimate 60hr work weeks My first instinct was to say figure out the net difference and see how much a difference 3-5 years a...

T4REngineer

Engineering is a total bait-and-switch career for young people. You work really hard in school and get a decent starting salary that never goes anywhere. Then you look at the people who went to nursing school, made mediocre grades and partied through school, and are now all doing nurse practitioner...

T4REngineer

It occurs to me that the title of the post is interesting: it sort of implies that any Boglehead would just naturally have a side job. I chuckled at this - While I don't think we are all equal ,family situations, energy levels, amount of sleep required etc. I know in my own personal circumstances w...

T4REngineer

The tests showed low metallic content as the engine was broken in and over time. Tests were complete. It showed that I did not have to change the oil at 10k. Truck has 80k on it now since new. Hoping for 300k if I take care of it. j :D 300k with 10-12k oil changes, common make it a challenge at lea...

T4REngineer

From an early 30's married man who got help with a downpayment from his parents - go that route. It's less complicated, less lengthy (one and done) and helps build credit. To those saying It hinders your children - they are wrong, it CAN hinder children or it could provide a spring board for financi...

T4REngineer

Install the 10% matching once it arrives, pay your installer - tell them its been a hell of a ride but thank them for all their help. Accept any consolation prize from the flooring OEM however if you like what you have its time to move on to more important things in life. Offer to write a nice onlin...

T4REngineer

OP: None of the following expect the second paragraph is directed at you - just folks who may come across this thread I have posted my thoughts on our societies romanization with home defense and firearms before (from a avid gun owner and bullseye shooter) so I won't beat that drum but please realiz...

T4REngineer

I would not , sounds like you and your family have a picture perfect set up now and are well on your way to achieving financial goals. If that is a true statement (imho) you are risking a lot of unknowns for money - We are in a similar financial place as you, a few years younger with a lower COLA bu...

T4REngineer

:confused You're trolling right? So you're hiring and you get 100+ applicants in a week (this is my normal), you are supposed to send out 100+ responses, even though 90 of the applications are filtered out from HR because they don't meet basic qualifications and you never even see them, and another...

T4REngineer

A lot of replies are along the lines of "you and the company have nothing to gain so simply ignore it". I do not disagree but think a little professionalism goes a long way - does that apply in this situation, I am not sure and lean towards no simply because an interview was not even grant...

T4REngineer

Without knowing home price and your current financial situation its really hard to give a "what would you do" answer. I don't remember it exactly but there was a star trek quote along the lines of "you can commit no mistakes and still lose" - I do not think you did anything wrong...

T4REngineer

The posters above are correct and I while I am well aware of many internal brand variations (not in detail on the Subaru's!) my above post was not clear in that regard so hopefully we wont lead anyone astray - the intent was good. Bottom line - if you care, do your research as the mechanical differe...

T4REngineer

Hello BHers, my wife and I are looking at purchasing a new minivan. We live in the Midwest area and deal with snow/ice quite a bit of the year. We travel quite a bit and have another kid on the way. Our most common destination is Texas (hills west of Austin as that is where my parents live), but we...

T4REngineer

My best guess given the limited context a thread can provide is that there is no need for either to occur and that this is being done more for the givers own peace of mind than any joy it will bring to the receivers. I think it would be enough to say how grateful the children are for the property an...

T4REngineer

The first reply nailed it - if you like the teachers and money is not tight I would be hesitant to risk what is one of the most stressful/important choice you make (OK maybe a bit of an stretch but a solid day care with good teachers that you and your child have an established history with is pricel...

T4REngineer

No opinion on your portfolio and it sounds like you already have/are but I want to encourage you to keep the younger generations in your family who stand to benefit from this in the loop and where/if it makes sense share the joy now when you can see them enjoy it vs. when you pass a giant pile of as...

T4REngineer

My general thoughts and what I do below (my sump does not run as often as yours but …...it does run) *Having a sump not cycle as much is extremely helpful to making it last , generally the motors are what fail not the impeller/bushings - to this effect I have an extension that allows my float/sump t...

T4REngineer

Personally I would not buy either but I assume you bought a similar quality unit last time and got 15 years out of it so from an investment standpoint, you did good. These are sheet metal mowers designed for finite life and flat yards (maybe perfect for you!) Its going to come down to operator prefe...

T4REngineer

What exactly is the problem that requires a engine replacement? I did a quick google search but came up empty handed. Also curious what the 2k got you, Most OEMs a 100k service would be a timing belt which you always replace the idler pulleys, water pump and coolant while you are in there. So that c...

T4REngineer

A lot of folks seem onboard with that kind of weekly work schedule - in that case these jobs are not "better paying" they are simply allowing you to work your self to death. If it makes you happy to retire with xx million thats awesome but its not required. If your single with no family or...

T4REngineer

I am taking your "doomsday" and "the worst" literal in the sense that law and order goes out the window - I am guessing thats not what you meant but if so..... Why on earth would anyone want your gold and silver in that kind of world? Guns, Ammo, Friends, Water purification, Sola...

T4REngineer

OP, Hang in there a bit longer to finish your CPA and get enough experience at the firm to apply elsewhere - Its sounds like you are just on the corner of life changing events (for the positive) and have climbed 85% of the hill.......I would encourage you to think long and hard before giving that al...

T4REngineer

The trim pieces on the bumpers don't simulate skid plates. ALL 4Runners come with skid plates. Who in the world ever confused a bumper on the end of a vehicle for a skid plate underneath? Yes they do. For the 4Runner "Off-Road" and Rav4 "Adventure", the lower part of the front/r...

T4REngineer

Something is off - No head room issues for myself (5'10) or my wife (5'12) and we both drive 5th gen 4runners w/ Sunroofs .... Does she object to being described as a six footer? Probably no more than he objects to her describing him as a six incher. Thats above average and so am I - and that is th...

T4REngineer

EddyB wrote: ↑Wed Apr 22, 2020 3:26 pm
T4REngineer wrote: ↑Wed Apr 22, 2020 12:38 pm Something is off - No head room issues for myself (5'10) or my wife (5'12) and we both drive 5th gen 4runners w/ Sunroofs ....
Does she object to being described as a six footer?

Haha she does not object its simply how she describes her height so I like to play along

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