Search found 1848 matches

by manatee2005
Sun Jul 25, 2021 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Whats the point of building wealth?
Replies: 32
Views: 2941

Re: Whats the point of building wealth?

UpsetRaptor wrote: Sun Jul 25, 2021 12:17 am To crush your enemies, to see them driven before you, and to hear the lamentations of the women.
Conan was the wealthiest guy ever.
by manatee2005
Sun Jul 25, 2021 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustles
Replies: 67
Views: 7977

Re: Side Hustles

manuvns wrote: Fri Jul 23, 2021 2:09 pm
you are right , millions are working under 10-15$ in service industry . what gives ?
Supply and demand.
by manatee2005
Sun Jul 25, 2021 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustles
Replies: 67
Views: 7977

Re: Side Hustles

Bouncer at a popular bar on weekends. Something I always wanted to do. Tried it in 2016 and was hooked. $25/hr to people watch with live acoustic cover bands in the background. Have a solid crew and do things by the book, so low risk. Have scaled back (at 33 years old) to only Friday nights so I ha...
by manatee2005
Sun Jul 25, 2021 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Whats the point of building wealth?
Replies: 32
Views: 2941

Re: Whats the point of building wealth?

Ivygirl wrote: Sun Jul 25, 2021 12:07 am The point of building wealth is to do things on a larger scale than people can do who are not wealthy.
Can you give some examples?
by manatee2005
Sun Jul 25, 2021 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 515
Views: 72225

Re: Tales from this insane real estate market

exarkun wrote: Sat Jul 24, 2021 9:43 pm Just curious, why do people say vague things like lcol, mcol, hcol? Is is too much to say what metro area or even what state???
Probably for privacy reasons.
by manatee2005
Sun Jul 25, 2021 12:02 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3636
Views: 605045

Re: What are you up YTD? [Year To Date]

15.9%, 100% equities
by manatee2005
Sat Jul 24, 2021 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Whats the point of building wealth?
Replies: 32
Views: 2941

Re: Whats the point of building wealth?

I get the whole gist of living below the mean, building wealth and etc but sometimes I dont understand the whole point of it. Rich or poor, we all die and i just dont see the point of living below the means and not enjoying life so that you can have extra money before you die that you cant take wit...
by manatee2005
Thu Jul 22, 2021 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 515
Views: 72225

Re: Tales from this insane real estate market

It’s crazy how different parts of the country are affected by real estate prices. My townhouse neighbor listed his property at the end of May. Supposedly received zero offers, and reduced the price by about 8% ($40k). 6 weeks later he is now considering renting because of the little interest. This ...
by manatee2005
Tue Jul 20, 2021 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 515
Views: 72225

Austin real estate seems to be slowing down

[Thread merged into here --admin LadyGeek]

My boots on the ground are reporting that Austin real estate is slowing down. Has anyone seen the same thing? Is it mainly because prices went up 40% in a year and people have had enough?
by manatee2005
Tue Jul 20, 2021 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do we decide where to live for our retirement?
Replies: 136
Views: 10281

Re: How do we decide where to live for our retirement?

Hi everyone, I don't post very often, but I read these forums regularly (both the "investing" forum and this "not investing" forum). I've really come a long way in my understanding of retirement planning and, more importantly, financial independence. I have a question about reti...
by manatee2005
Thu Jul 08, 2021 7:34 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 315
Views: 36012

Re: What is the BEST thing you spent money on?

Lasik surgery. International travel. Yeti cups. Getting my teeth fixed in Thailand for 1/5 the cost of doing it in US. Did you have to fly all the way to Thailand? Couldn’t you get them fixed in Tijuana? I was stationed in New Zealand at the time, so Thailand was just down the road. But yes, I've h...
by manatee2005
Thu Jul 08, 2021 7:33 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 315
Views: 36012

Re: What is the BEST thing you spent money on?

Best trip, by far: Galapagos Best purchase, by far: Costco KS9 hearing aids Why was Galapagos good? Was it a trip with a tour? The ship, La Pinta, was excellent, food, guides, accommodations, other guests. We went in January to avoid the out-of-school kiddies. That worked out well. On our trip ther...
by manatee2005
Sun Jul 04, 2021 1:38 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 315
Views: 36012

Re: What is the BEST thing you spent money on?

backofbeyond wrote: Fri Jul 02, 2021 8:33 am Lasik surgery.
International travel.
Yeti cups.
Getting my teeth fixed in Thailand for 1/5 the cost of doing it in US.
Did you have to fly all the way to Thailand? Couldn’t you get them fixed in Tijuana?
by manatee2005
Sun Jul 04, 2021 1:37 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 315
Views: 36012

Re: What is the BEST thing you spent money on?

cbeck wrote: Sun Jul 04, 2021 7:34 am Best trip, by far: Galapagos
Best purchase, by far: Costco KS9 hearing aids
Why was Galapagos good? Was it a trip with a tour?
by manatee2005
Sat Jul 03, 2021 4:52 am
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

newyorker wrote: Thu Jul 01, 2021 11:11 pm Upgrade in what? Size? Luxury?


If Size, CX-9, Pilot, Highlander and etc
If Luxury, X3, GLC and etc
If both, X5, X7, GLE and etc...
Not size, the size is perfect. In luxury, ADAS, etc.
by manatee2005
Sat Jul 03, 2021 4:51 am
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

My wife replaced a CX-5 with a Honda CRV. Better electronics and safety features. Slightly better build too. And we did the opposite with better results on the CX5 - although we kept the CRV. Seems like the CX-5 wins out with a more pleasant driving experience vs. CRV or RAV4. I haven't driven the ...
by manatee2005
Sat Jul 03, 2021 4:49 am
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year mortage?
Replies: 46
Views: 5463

Re: 15 year vs 30 year mortage?

I'm looking to fund a condo purchase. Mortgage between $180k and $220k. 15 year for 2.25% or 30 year for 2.99% Money not spent on mortgage would be invested in VTI instead. Is there a magic number of % points difference for which the 15 year definitely is the better choice? Thanks It depends on how...
by manatee2005
Sat Jul 03, 2021 1:03 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

A thousand calories for one meal is quite a bit, as 2k is the “average” for an adult male. Why not increase the calories on your own by opening a can of veggies, or soup for a first course, or microwaving a frozen appetizer, or having a baked sweet potato or some whole grain rolls? Or some fresh fr...
by manatee2005
Fri Jul 02, 2021 3:40 pm
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

I signed up with Factor for one week because they came up as the top in a lot of lists. What I don’t like is that meals are between 500 and 650 calories. I was expecting them to be 1000 calories for dinner, 650 is not enough for me for dinner. Eat two instead of one? At $11/meal i though they’d be ...
by manatee2005
Fri Jul 02, 2021 3:37 pm
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

Seems this thread is only about meal delivery, as in heat and eat, or grub hub restaurant foods. Perhaps you may want to try the real meals service that sends you meal ingredients which you then use to cook yourself. OP mentioned that they do not like cooking and have little culinary skills ("...
by manatee2005
Fri Jul 02, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

I use GrubHub and like them. They have on-line menus for most of the local restaurants so it's very much like ordering from the restaurant. So far I have no complaints about the quality of their service. The problem I have with grubhub is that it's restaurant food which is not healthy. My main thin...
by manatee2005
Fri Jul 02, 2021 1:54 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

I decided to try one of the meal delivery services as I’m tired of eating pizza, hotdogs etc I signed up with Factor for one week because they came up as the top in a lot of lists. Some things I like about factor is that it’s supposedly never frozen, you just heat it up for 2 minutes. You can also ...
by manatee2005
Fri Jul 02, 2021 1:42 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

I use GrubHub and like them. They have on-line menus for most of the local restaurants so it's very much like ordering from the restaurant. So far I have no complaints about the quality of their service. The problem I have with grubhub is that it's restaurant food which is not healthy. My main thin...
by manatee2005
Fri Jul 02, 2021 12:42 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

mrb55 wrote: Thu Jul 01, 2021 7:55 pm Time to put some effort in and learn how to cook. It's like a job. You may not like it, but you need to do it to reap the benefits. 😄
I've peaked at scrambled eggs.
by manatee2005
Fri Jul 02, 2021 12:30 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Re: Meal Delivery

Didn't you say your spouse stays at home? No one cooks meals? She cooks the meals for the kids, but she's cooking for teenagers, that's why I said I don't want to eat pizzas and hot dogs. Her goal of feeding ravenous teenagers and my goal of eating healthy and losing weight are not compatible at th...
by manatee2005
Thu Jul 01, 2021 5:44 pm
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

I should clarify, I am not replacing the 2019 cx-5, I am replacing a 15 year old second car, but I’d rather buy something a little bit nicer than a cx-5. My biggest problem I have with Mazda is the ADAS, they don’t have keep in lane technology while most other manufacturers have it. It’s where it m...
by manatee2005
Thu Jul 01, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

I should clarify, I am not replacing the 2019 cx-5, I am replacing a 15 year old second car, but I’d rather buy something a little bit nicer than a cx-5. My biggest problem I have with Mazda is the ADAS, they don’t have keep in lane technology while most other manufacturers have it. It’s where it m...
by manatee2005
Thu Jul 01, 2021 5:39 pm
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

I should clarify, I am not replacing the 2019 cx-5, I am replacing a 15 year old second car, but I’d rather buy something a little bit nicer than a cx-5. :oops: Since you will not actually be upgrading the CX-5 you may want to get a different class of car like a sedan, minivan, pickup, etc so you w...
by manatee2005
Thu Jul 01, 2021 2:38 pm
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

Re: CX-5 upgrade

I should clarify, I am not replacing the 2019 cx-5, I am replacing a 15 year old second car, but I’d rather buy something a little bit nicer than a cx-5. My biggest problem I have with Mazda is the ADAS, they don’t have keep in lane technology while most other manufacturers have it. It’s where it ma...
by manatee2005
Thu Jul 01, 2021 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6443

Re: Traffic violation in CA

How were you "noticed" of the violation? Google what happens when you ignore a red light camera ticket in your jurisdiction. In my area of So. Ca. ignored citations were not prosecuted and no penalty was assessed. Once word got out most agencies got rid of the cameras. They were a money g...
by manatee2005
Thu Jul 01, 2021 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6443

Re: Traffic violation in CA

Hi, I recently got a minor traffic violation. I did not stop at red light while making right turn. I was supposed to stop like for a stop sign, and then turn right. This is captured on camera - both photo & video. I read on Internet that this involves $500 fine and 1 point on driving record. It...
by manatee2005
Thu Jul 01, 2021 2:43 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6443

Re: Traffic violation in CA

How were you "noticed" of the violation? Google what happens when you ignore a red light camera ticket in your jurisdiction. In my area of So. Ca. ignored citations were not prosecuted and no penalty was assessed. Once word got out most agencies got rid of the cameras. They were a money g...
by manatee2005
Thu Jul 01, 2021 2:40 am
Forum: Personal Finance (Not Investing)
Topic: Traffic violation in CA
Replies: 74
Views: 6443

Re: Traffic violation in CA

Online traffic school, just did one for an AZ speed camera ticket (52 in a 40). Did the class in about 2 hours and the ticket was dismissed. I used "Low Cost Easy Quick Defensive Driving Academy" Most of these places work in multiple states. Where are they using speed cameras in arizona?
by manatee2005
Thu Jul 01, 2021 2:38 am
Forum: Personal Consumer Issues
Topic: CX-5 upgrade
Replies: 39
Views: 3355

CX-5 upgrade

I have a 2019 CX-5 and it’s a nice SUV. Nothing great but pretty decent for the money.
I am looking to buy a new car and CX-5s seem to be in stock, it looks like they weren’t affected by the chip shortage. But I’d like to upgrade it to the next level. What do you think would be an upgrade to CX-5?
by manatee2005
Thu Jul 01, 2021 2:35 am
Forum: Personal Consumer Issues
Topic: Meal Delivery
Replies: 29
Views: 2841

Meal Delivery

I decided to try one of the meal delivery services as I’m tired of eating pizza, hotdogs etc I signed up with Factor for one week because they came up as the top in a lot of lists. Some things I like about factor is that it’s supposedly never frozen, you just heat it up for 2 minutes. You can also s...
by manatee2005
Wed Jun 30, 2021 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: [Bank in Indianapolis area with excellent web presence and offers safe deposit boxes?]
Replies: 26
Views: 2534

Re: Need to abandon Bank of America

You likely will have difficulty finding a box with any bank. They are costly for banks, a bit outdated, and you aren't protected. In my 52 years on this planet, not once have I had a need for one. https://www.nytimes.com/2019/07/19/business/safe-deposit-box-theft.html I've never needed a lego but t...
by manatee2005
Wed Jun 30, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Bank in Indianapolis area with excellent web presence and offers safe deposit boxes?]
Replies: 26
Views: 2534

Re: Need to abandon Bank of America

You likely will have difficulty finding a box with any bank. They are costly for banks, a bit outdated, and you aren't protected. In my 52 years on this planet, not once have I had a need for one. https://www.nytimes.com/2019/07/19/business/safe-deposit-box-theft.html I've never needed a lego but t...
by manatee2005
Wed Jun 30, 2021 12:40 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16770
Views: 1328438

Re: U.S. stocks continue to soar!

Core thesis remains a 30% to 50% S&P 500 drawdown and a 40% to 60% Nasdaq drawdown, beginning in September this year. Based on what? 1) Seasonal reasons, all the senior markets (NYC, London, Frankfurt etc) are in the Northern Hemisphere and so financial crises usually play out in the Fall 2) Bo...
by manatee2005
Wed Jun 30, 2021 12:38 pm
Forum: Personal Investments
Topic: Moderna
Replies: 62
Views: 9201

Re: MODERNA

Hyperchicken wrote: Wed Jun 30, 2021 10:32 am
manatee2005 wrote: Wed Jun 30, 2021 2:12 am
surfstar wrote: Wed Jul 15, 2020 3:32 pm
Eastcoaster212 wrote: Wed Jul 15, 2020 3:26 pm Thoughts on this investment?
You're a bit late.
It still tripled in a year since then.
Okay then, now it is late for real. :twisted:
😀
by manatee2005
Wed Jun 30, 2021 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 95
Views: 13944

Re: Can I retire today?

Please explain why you think 12% per year is "much worse" than the return for a broad index. And if it is both worse and riskier, why would you choose it? It is much worse than a broad equity index fund because its total return will be worse than a broad equity index fund over time, and b...
by manatee2005
Wed Jun 30, 2021 3:01 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16770
Views: 1328438

Re: U.S. stocks continue to soar!

firebirdparts wrote: Thu Jun 24, 2021 1:24 pm This is feeling like a melt-up day in the making.
I feel it in my bones, melt up incoming.
by manatee2005
Wed Jun 30, 2021 2:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16770
Views: 1328438

Re: U.S. stocks continue to soar!

Core thesis remains a 30% to 50% S&P 500 drawdown and a 40% to 60% Nasdaq drawdown, beginning in September this year. Based on what? 1) Seasonal reasons, all the senior markets (NYC, London, Frankfurt etc) are in the Northern Hemisphere and so financial crises usually play out in the Fall 2) Bo...
by manatee2005
Wed Jun 30, 2021 2:58 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 16770
Views: 1328438

Re: U.S. stocks continue to soar!

rchmx1 wrote: Tue Jun 29, 2021 7:57 pm Time in the market > timing the market. That contains a mathematical symbol, so of course it's true.
I am a Math PhD, and I have to say, the math checks out.
by manatee2005
Wed Jun 30, 2021 2:54 am
Forum: Personal Finance (Not Investing)
Topic: [Bank in Indianapolis area with excellent web presence and offers safe deposit boxes?]
Replies: 26
Views: 2534

Re: Need to abandon Bank of America

We recently moved from Florida to Indiana. Long-time clients of BofA, in part because their web site is excellent and we do almost everything online. We of course have the usual web of automatic payments for utilities, credit cards et al. that make it painful to change banks. BUT when I called the ...
by manatee2005
Wed Jun 30, 2021 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Is this job offer ruined?
Replies: 134
Views: 16748

Re: Is this job offer ruined?

If you want to control your side of the negotiation, don't use recruiters. What does this even mean? The recruiter is an internal recruiter for the company who is setting up all of the meetings and interviews. Ignore the advice of those who tell you that if they won't accommodate your 10% increase ...
by manatee2005
Wed Jun 30, 2021 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Lost a House Sale Due to Incompetent Realtor
Replies: 118
Views: 10692

Re: Lost a House Sale Due to Incompetent Realtor

Uh, why? Maybe they just realize they have zero need for one It's because the realtor won't take you to a showing without a pre-approval. So people without pre-approvals go see houses without a realtor. Weird, since I’ve never had an agent I used ask me for a preapproval letter prior to showing me ...
by manatee2005
Wed Jun 30, 2021 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Return to Work - How is your company dealing with it?
Replies: 323
Views: 37907

Re: Return to Work - How is your company dealing with it?

Got an email yesterday, that of the 3 buildings we lease in the office park, we will only be renewing the ease on one. They are remodeling it to make it purely a pop in type office. No assigned desk or offices. Just come grab a seat or room if you want to work in office I work for a major telecom a...
by manatee2005
Wed Jun 30, 2021 2:15 am
Forum: Personal Finance (Not Investing)
Topic: Lost a House Sale Due to Incompetent Realtor
Replies: 118
Views: 10692

Re: Lost a House Sale Due to Incompetent Realtor

Better hope they aren’t in a protected class… And why would you care if your agent showed your house to a potential buyer? I would wager that most people without a realtor don't have a pre-approval letter. Uh, why? Maybe they just realize they have zero need for one It's because the realtor won't t...
by manatee2005
Wed Jun 30, 2021 2:12 am
Forum: Personal Investments
Topic: Moderna
Replies: 62
Views: 9201

Re: MODERNA

surfstar wrote: Wed Jul 15, 2020 3:32 pm
Eastcoaster212 wrote: Wed Jul 15, 2020 3:26 pm Thoughts on this investment?
You're a bit late.
It still tripled in a year since then.
by manatee2005
Wed Jun 30, 2021 1:33 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3636
Views: 605045

Re: What are you up YTD? [Year To Date]

For some reason, Vanguard doesn't seem to provide a YTD rate of return under the Performance tab. I calculate it at about 11%. That's strange, I don't use Vanguard, but Fidelity shows me YTD and 1 year return as soon as I click on the account. I can get 1-year but not YTD. Such are the vagaries of ...