Bogleheads.org

inbox788

First, the "wholesale GPU" in that document is given as (-)$111 for 2015 and (+)$97 for 2016. It seems highly unlikely that Carvana sold cars in 2015 to individuals for on average less than they paid for them. "we lose money on every sale, but make it up in volume" While by some...

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4. if the motley fool's are so good at picking stocks then how come their mutual funds aren't so hot? Sorry if my attempt at humor fell flat. Although there may be one, I don't see the connection between the Motley Fool Advisory Company ( https://www.fool.com/ ) and the Asset Management that runs F...

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VT fine in a tax advantaged account, so you can change when needed. In a taxable account, 2 or 3 separate funds help tax management options when needed. No need to slice and dice too thin.

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Can you please provide us with several such examples of stocks to consider buying now that have at least the possibility of 10X to 30X in less than 5 years from now? I would like to track the stocks you believe are easy to pick that will possibly go up 10X to 30X in less than the next 5 years . It ...

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I have to admit I am confused by this thread. Everywhere that I've lived before, a fence is owned by whoever's property it is on. Never heard of negotiating with neighbors about replacing fences or slitting costs before. Some fences sit in the property line. Recently replaced fence that was falling...

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Compound interest does work but not as well if I have a very small % of my portfolio in AAPL. Making up numbers here but let's say 5% while the 95% is in VTSAX. I believe in Apple long term. Of course, if things If things go south, I might decide to sell. Even if AAPL double or triples in value, at...

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Tell the neighbor that wants to replace the fence that you'll split the cost when the neighbor that doesn't want to replace the fence is ready. This fairly states your position and gets the first neighbor off your back, and rechannels the first neighbor's energy to harassing the second neighbor ins...

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Here's a news update. You've been vaccinated. So what should you do with your vaccine card? APRIL 9, 2021 / 2:43 PM / MONEYWATCH https://www.cbsnews.com/news/covid-19-vaccine-record-card-2021-04-09/ Things are so confusing and changing so fast that by the time you figure out what happened, you have ...

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...continue contributing to VTSAX? How do you guys go about investing in long term low risk individual stocks? Exactly. I invest in a basket of more than 500 "low risk" individual stocks like AMZN, TSLA, and CCL. I have a tiny # of safe long term holds like AAPL. I feel as though the $ mi...

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PNCS is NOT on the sidewall. Ecoimpact is on the sidewall. So, it looks like I have regular (not run flat) tires without the noice reduction system. https://www.tirerack.com/images/techCenter/tires/environmentally_lowNoise.png Low Noise icon https://www.tirerack.com/tires/tiretech/techpage.jsp?tech...

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Ben Mathew wrote: ↑Fri Apr 09, 2021 11:01 amUniformity is pretty much unachievable, unless maybe if you pay for the whole fence so neighbors on all sides are unlikely to object.

Or you put enough pressure on the 3 neighbors by constantly messaging and emailing them.

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I went through the fence replacement last year and unless maybe you buy in vast quantities, parts are far, far more expensive than pre-constructed. Due to shortages I had to build myself. I ended spending at least 1.5x as much as pre-constructed, even with my labor being "free", and only ...

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I do that everyday, just don't bother with the selling at open and buying back at close. The difference between 571 and 566.6 isn't that much to worry about. If you had bought the SPY at the last second of trading on each business day since 1993 and sold at the market open the next day — capturing a...

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Wow if a neighbor is willing to share cost that's awesome. OP is the neighbor willing to share costs. The other guy wants the fence now. https://www.homeadvisor.com/cost/fencing/install-a-wood-fence/ Cost seems high, so get other estimates. Materials is the minor cost factor. Mostly labor. Is the h...

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235/60R18 103V (front) and 255/55R18 105V (rear). Based on the speed ratings, they're NOT run flats. To make matters more confusing, ONLY some of the tires have the Pirelli Noise Cancelling System (PNCS). Do you see the PNCS imprint on the sidewall? https://www.tirerack.com/images/techCenter/tires/...

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Yes, the $4000 car is actually a $7000 car: Spending $3000 on a $4000 car is the complete antithesis of what OP is saying. It all comes down to trying to compare apples to apples and apples to oranges. I did find the Edmunds TCO comparisons interesting and you can adjust items to your desired fruit...

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Some of you have suggested that my Pirelli Scorpion Verde All Season tires are run flat tires. This is news to me. I have a spare tire in the trunk and the hardware to change a flat tire. I thought this precluded having run flat tires as manufacturers putting on run flats, such as BMW, have done aw...

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You should not keep any EV for 10 years. You should be buying new and then selling after one year, for essentially no money out of pocket, or even a $1-2k profit. Also, plugging into a regular outlet won’t give you 40-50 miles, unless you literally don’t drive the car anywhere and it’s plugged in 2...

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At 136,000 miles, that car is still a teenager and has more miles left in it... 300K miles is not unusual for a well cared for Corolla. Where are people getting the highlighted info above? I can't find it anywhere, in fact: Repairs won't stop at the list you posted (lots of rubber based parts in th...

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My Texas friend says it is because some feel that they will never be able to buy a house, they decided to buy a fancy car. They've got it backwards. They'll never be able to buy a house BECAUSE they decided to overspend on fancy cars. For the price of a couple of fancy cars, they can probably buy a...

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Oops. That's just me being out of touch with Toyota's lineup. Is the Corolla now the smallest car in Toyota's lineup? I know they also discontinued the Scion line, which had a couple compact/sub-compact models. Honda dropped the Fit and looks like Toyota dropped the Yaris. The Aveo/Sonic/Cruze are ...

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phxjcc wrote: ↑Wed Apr 07, 2021 2:21 pm Porsche Boxster.

Yes, I am serious.

Hmm...2007 or older when I look for under $15k

https://www.cargurus.com/Cars/l-Used-Po ... xster-d408

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In general, I think for Honda or Toyota, you're going to be looking at lightly used Fit's or Matrices , and 5+ year used Civic's and Corolla's for the price target stated. Those cars should still be good for 10+ years of reliable use, though. We must have different definitions of "lightly used...

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My brother bought a new Toyota Corolla about a year ago and it was under $20k. I just looked on Truecar and you can get a new one for $18k with no negotiation. I know this doesn't meet the OPs criteria. I am just pointing out that buying a couple year old Honda or Toyota may not save very much or b...

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The fact that they need to push their "PIRELLI NOISE CANCELLING SYSTEM" tells you they have a noise problem. Run flat tires are noisy because of their sidewall design and the rubber compound they need to use to make the tire load bearing when flat. Macan does not have active noise cancell...

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is: Is there an optimal way to use the margin loan to reduce interest payments on the 30-yr, while controlling for interest rate risk? I was thinking about using the margin line (at 1%) to pay down a year’s-worth of mortgage payments (2.85%) in advance every 12 months. The 1-year horizon gives me a...

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The tires are not run flats. Tire pressures are correct, but I have not had the alignment checked. Your tires are run flats. Look them up. https://www.pirelli.com/tires/en-us/car/catalog/product/scorpion-verde-all-season You might benefit from looking this up on rennlist or another porsche forum. S...

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What do you lube? I've been doing my own oil changes for some time now, and I've not been lubing anything. What am I missing? Looks like there are two types of lube jobs, but I've never seen chassis lube done when I've gotten oil changes and only occasionally noticed the latter door hinges, etc. gr...

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I use Synthetic AMSOIL Signature series($$$) 0W-20, it says on the bottle 25k miles or 1 year whichever comes first, our Toyota & Lexus cars have not had any engine problems so far. I have never driven 25k miles in a year, so I get the AMSOIL changed yearly. That's overkill. Low mileage drivers...

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Anyway, back to oil changes for low-mileage vehicles... Not totally unrelated. I need another low mileage vehicle and am looking at used vs new. New vehicle "free" maintenance programs are extra cost (built into the sales price) beyond the new car costs that further discourages me to get ...

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Excellent analysis! yeah, to get to 11%, 10k/ 30k /3 years since the interest ($10k) was paid up-front and you're really borrowing $30k (what's left). It's already hit WSB. That's what led to the legendary guy who used box spreads to get unlimited monies in Robbinghood. And, because it's Robbinghoo...

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Wow that's so cool. Yeah, I could've sold it for $391.30. But I'll take it, still a sub-1% loan vs paying say TD Ameritrade 8% in margin interests. Since I sold it for $391, it's effectively a $39,100 loan. Aha moment! So borrowing $39,100 and paying $40,000 back in 2023, so it costs $900 interest....

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Was that corporate on all vehicles or only local dealer? Local dealers have always done free oil changes to keep you coming back, sometimes lifetime, but corporate policy seems to ebb and flow. February 13, 2006 12:00 AM Bumper-to-bumper free maintenance remains a part of BMW's strategy BMW is the ...

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A few years back, BMW started with 4 years, but I think it's now only 3. https://www.bmwusa.com/explore/bmw-value/bmw-maintenance/ultimate-care.html It was more than a few years back. My 2000 BMW 3-series came with 4 years of maintenance, which included everything but tires. I got my wiper blades r...

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Just an update: somebody bought my box for $391. Now I'm regretting not selling it for a higher credit. Could've fetched $392, which meant an effective 0.85% loan. I don't have any other exposure on this account. Someone tell me how the MMs / IBKR are going to screw me over in the next 3 years (til...

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HARUMPFH!!!! My box spread hasn't been filled for days!!! SELL 1 SPX CALL 3800 BUY 1 SPX CALL 4200 SELL 1 SPX PUT 4200 BUY 1 SPX PUT 3800 Dec 2023 Expiry My offer price: $391. Somebody buy my box!!! I'm not sure what this will achieve, but the bid/ask spread is 300/480 after hours in my paper tradi...

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ClevrChico wrote: ↑Sun Apr 04, 2021 9:05 amAll non-stick is a disposable item, but they should be good for at least a decade, even with some abuse.

Decade? My typical replacement cycle is 3 months to 3 years, but I'm buying the cheap Costco T-fal.

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I tend to buy new cars that include “free” maintenance for 4 years. Oil changes are covered as required by the service indicated in the on-board computer. This is mileage/usage determined or every 12 months if mileage is low. Good enough for me. What brands include free maintenance for 4 years? Bmw...

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Lots of good information above. If you can afford to put yourself and your daughter in newer cars, that's great. If I added it up right, it's about $2200 in total. you would be hard pressed to find a decent car for your daughter at that price. You know the maintenance history and reliability of the...

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"Q: So if the governor is set this low on the RX's, why the V rated tires? A: Because Michelin is able to charge a lot more for the same tire if there is a V on the side instead of an H. That's the real reason. For many people, a higher speed rating equals a better tire, so Lexus and Michelin a...

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The manual for my 2018 Nissan Sentra says every 5000 miles or 6 months. i'm not driving as much as I used to, so I've gone 6 months, roughly: Mid 2019 ???? 10/12/2019 15.6k miles 5/16/2020 19.7k miles 10/1/2020 21.9k miles 4/3/2021 24.7k miles The car was first delivered in January 2018, I bought i...

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We just had a correction a year ago. That isn't very long ago in the scheme of things. And one in 12/2018. I have no idea what that means. Are we due for a V shaped crash every year or so? Does it mean the market prices are pretty accurate? I hate the market. It feels like it is 1999 or worse again...

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https://www.cornucopia.org/scorecard/eggs/ Yes, Costco eggs are lower quality. I can definitely taste the difference. That site just shows the Costco "Kirkland Signature" eggs are not rated at all, rather than scoring low. Another brand carried by (west coast?) Costcos "Alexandre Kid...

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Scanpan 1000000000% I've struck out on ceramic pans. Teflon flakes after use and abuse (usually high temperatures), but I just get the cheap pans and replace regularly. https://misen.com/blogs/news/ceramic-vs-teflon https://thecookwaregeek.com/ceramic-vs-teflon/ https://www.chowhound.com/food-news/...

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Replace it! Buy the replacement sooner so you don't have to worry about this car and have use of the extra car and can take your time selling or doing minor repairs if necessary. What are you buying? New vs used? [What state are you in? Condition of car from Michigan is very different than Arizona.]...

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This makes sense. Effectively, you have two portfolios, each with its own asset allocation. The first $5M is invested for your retirement. The rest will go to your heirs, so it should be invested according to their time horizon, and 100% stock is likely appropriate for their ages. Investors who hav...

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Thx. So when your box is about to expire, what do you do with it? Just let it expire? I’ll keep this box but am thinking 3 years later, what do I do so as to not get screwed by IBKR. I’ve read somewhere that there are special rules when there’s 30 days left to expiry... Not just in the last 30 days...

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My budget of 15K for a new hunting truck will get me into like a 2006 tundra next year. If you live anywhere near Virginia, give me a shout and I’ll give you an instant 50% return on your truck offer. It's probably more like a 2016 Tundra. OP wants to sell it in 10 years for $15k and thinks he's dr...

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Thx. So when your box is about to expire, what do you do with it? Just let it expire? I’ll keep this box but am thinking 3 years later, what do I do so as to not get screwed by IBKR. I’ve read somewhere that there are special rules when there’s 30 days left to expiry... Not just in the last 30 days...

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My thinking is different from some others: there is nothing wrong with holding cash if you already have a significant amount invested. People say: “you are missing out on making money” or “inflation is eroding your purchasing power”. So what? If you invest, maybe you make money, maybe not. You wont...

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