Search found 1109 matches

by FireSekr
Wed Apr 07, 2021 7:22 am
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 243
Views: 16688

Re: Insane to buy a sports car?

Update: Ordered a car! After riding out this crazy year, I finally decided to pull the trigger on a 2021 GTS 4.0. Almost the exact same engine/transmission/suspension/body as the Spyder but cheaper (and I like the wheels better :) ). Income and savings have actually increased exponentially this yea...
by FireSekr
Sun Apr 04, 2021 11:30 am
Forum: Investing - Theory, News & General
Topic: Is Cash Trash now?
Replies: 51
Views: 4656

Re: Is Cash Trash now?

Feeling the same way. Nearly all my assets are invested aside from what I consider my emergency fund, following my 90% equity allocation. Whenever I buy something these days I take advantage of 0% interest offers even if I can pay in cash. Given the threat of inflation and how cheap money is, it see...
by FireSekr
Sat Mar 27, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5814

Re: TV size question

For our 10' distance in our media room, I had originally decided on a 65" OLED. But then people convinced me to expand my budget and go to the 77" OLED. I did it and I am very happy with it. It kind of feels like being in a movie theater. My wife, who is not keen on tech at all, also love...
by FireSekr
Tue Mar 09, 2021 3:02 am
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4978

Re: What are your alternatives to big name brands, like Amazon?

I live near a large, open-air market populated by local merchants. I do all the shopping I can there. It is more expensive than buying from Amazon or the grocery store, but I'm happy to pay a premium to buy from local businesses. The produce in particular is more expensive than the heavily-subsidiz...
by FireSekr
Mon Mar 08, 2021 3:59 am
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4978

Re: What are your alternatives to big name brands, like Amazon?

Cancelled prime this year after being a member for at least the last 7 or 8 years, and I haven’t ordered anything from Amazon since December. Wish I had done it sooner. I’ve found that I am spending less as my purchases are less impulse buys, even if on occasion individual items are priced slightly ...
by FireSekr
Thu Feb 25, 2021 1:14 pm
Forum: Personal Consumer Issues
Topic: Air Purifier
Replies: 37
Views: 2340

Re: Air Purifier

Thanks for everyone’s insights. For the BlueAir crowd, a couple follow up questions: 1) Consumer reports highly recommends the 211+, but mentions an additional ~$195 a year for filters/energy. Have any of you experienced that? 2) Doesn’t appear that any of the BlueAir are HEPA filters. Does this ma...
by FireSekr
Wed Feb 24, 2021 12:01 pm
Forum: Personal Consumer Issues
Topic: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...
Replies: 40
Views: 1960

Re: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...

Everyone is different, so this is really difficult. Seat comfort has surprised me in a number of vehicles. Those that have stood out as surprisingly excellent: Back seat of a Mercedes S class. We were on sales calls in Florida for a very long day, starting in Melbourne, heading south of Miami and b...
by FireSekr
Wed Feb 24, 2021 11:34 am
Forum: Personal Consumer Issues
Topic: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...
Replies: 40
Views: 1960

Re: Thoughts or suggestions: upgrading from Honda Fit for DW's comfort on long road trips...

I have back issues too. Volvo, Mercedes and BMW have the best seats, and I have tried many many different options...those are the best. With BMW or Merceds make sure they have the "multi-contour" seat option, those are far better than the standard seats. I would rank them as follows: Merce...
by FireSekr
Mon Feb 08, 2021 8:44 am
Forum: Personal Consumer Issues
Topic: Audi Q5 vs Mercedes GLC vs Volvo XC60
Replies: 46
Views: 2696

Re: Audi Q5 vs Mercedes GLC vs Volvo XC60

We were shopping the same SUV's in late 2019. But more towards the X3M, SQ5, AMG side of things. That was my doing. My wife didn't care about performance and it's her car. We ended up with the X3 because she liked the looks of the BMW and how she felt inside. I did at least convince her to get the ...
by FireSekr
Mon Feb 08, 2021 2:14 am
Forum: Personal Consumer Issues
Topic: Audi Q5 vs Mercedes GLC vs Volvo XC60
Replies: 46
Views: 2696

Re: Audi Q5 vs Mercedes GLC vs Volvo XC60

We were shopping the same SUV's in late 2019. But more towards the X3M, SQ5, AMG side of things. That was my doing. My wife didn't care about performance and it's her car. We ended up with the X3 because she liked the looks of the BMW and how she felt inside. I did at least convince her to get the ...
by FireSekr
Sun Feb 07, 2021 9:49 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9566

Re: Cash vs. Credit

I don't care. They can have my data. I’m sure the 200 or so innocent individuals who Bank Of America turned over to the Feds last week simply for using their credit card in DC and the one person who was interrogated by the FBI on a domestic terror investigation do care about what their banks are do...
by FireSekr
Sun Feb 07, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9566

Re: Cash vs. Credit

I don't care. They can have my data. I’m sure the 200 or so innocent individuals who Bank Of America turned over to the Feds last week simply for using their credit card in DC and the one person who was interrogated by the FBI on a domestic terror investigation do care about what their banks are do...
by FireSekr
Sun Feb 07, 2021 9:24 am
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9566

Re: Cash vs. Credit

I used to chase the rewards as well (pun intended hahaha). Then I figured out I was spending way lot more than 2% extra when I take out a rewards credit card. Debit cards are susceptible to this problem to a lesser extent. Coincidentally, I talked to a friend yesterday about spending and Costco. Ri...
by FireSekr
Sun Feb 07, 2021 9:05 am
Forum: Personal Finance (Not Investing)
Topic: What's your highest limit credit card?
Replies: 98
Views: 6089

Re: What's your highest limit credit card?

$43k limit. Have never put more than $10k a month on any cards so I don’t really need it
by FireSekr
Sat Feb 06, 2021 9:18 pm
Forum: Personal Consumer Issues
Topic: Cash vs. Credit
Replies: 189
Views: 9566

Re: Cash vs. Credit

I used to chase the rewards as well (pun intended hahaha). Then I figured out I was spending way lot more than 2% extra when I take out a rewards credit card. Debit cards are susceptible to this problem to a lesser extent. Coincidentally, I talked to a friend yesterday about spending and Costco. Ri...
by FireSekr
Sat Jan 16, 2021 1:25 am
Forum: Personal Consumer Issues
Topic: going from plasma TV to non-plasma TV experience
Replies: 19
Views: 1484

Re: going from plasma TV to non-plasma TV experience

Upgraded from plasma to OLED last year because I wanted a larger tv, nothing was wrong with my Panasonic Plasma other than size. The LED TVs and QLED which is really just a marketing scam to glorify LED as mentioned above were all inferior to my 10 year old plasma. Even the best $4K LED/QLED sets we...
by FireSekr
Fri Jan 15, 2021 5:32 pm
Forum: Personal Consumer Issues
Topic: Simple but fun cars
Replies: 57
Views: 4379

Re: Simple but fun cars

Late 90s early 2000's cars are pretty easy to work on and hit the sweet spot of still being mechanical and fund to drive while having modern conveniences.
by FireSekr
Tue Jan 12, 2021 2:37 pm
Forum: Personal Consumer Issues
Topic: Cost of owning older vehicle
Replies: 38
Views: 3303

Re: Cost of owning older vehicle

The value of the vehicle is completely irrelevant to the decision to repair or replace. What is important to consider is the cost to repair & maintain vs. the cost to replace it with a vehicle that you like as much or more, or if there are features that are worth the cost of getting something ne...
by FireSekr
Tue Jan 05, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17652

Re: Are plasma TV's gone forever?

Every time I buy a TV I think, wow, picture can't get better than this! A few years later the TV pictures get better. Continuous improvement, and decreasing prices. Broken Man 1999 Not really true of OLEDs. Rtings and CNET reviews of the 2015 models, when they first came onto the market in quantity...
by FireSekr
Tue Jan 05, 2021 4:17 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 117
Views: 17652

Re: Are plasma TV's gone forever?

OLEDs bring everything plasma does, but lighter and better. So yes, I think they're gone forever. Not everything, motion handling on Plasmas is still superior to OLED. Everything else though, OLED beats plasma hands down. I had a few of the higher end Panasonic plasmas, but have switched over to 65...
by FireSekr
Tue Jan 05, 2021 8:48 am
Forum: Personal Consumer Issues
Topic: ISP monopoly
Replies: 20
Views: 924

Re: ISP monopoly

Probably for the same reason Google, Amazon, Facebook have gotten away with it. Lobbyists, marketing, and incompetent politicians. There maybe some competition coming with 5G as wireless carriers offer internet through 5G hubs but that’s not quite as good as having your house wired for broadband. Pr...
by FireSekr
Tue Jan 05, 2021 1:02 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39332

Re: What kind of car do Bogleheads like to drive?

2010 Lexus RX SUV. I'm looking at the Mercedes AMG GLS63 since I need third row seats now. I've been in the new GLS and the third row is CRAMPED. If you truly need third row seating, I'd suggest looking at more of a full-size SUV like a Yukon XL or Expedition/Navigator. MUCH larger third row and ha...
by FireSekr
Wed Dec 30, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Should i pay off my 15 year 2.85% mortgage?
Replies: 169
Views: 9217

Re: Should i pay off my 15 year 2.85% mortgage?

No. 2.85% is far lower than inflation It is? By what measure of inflation? By the trillions of dollars in stimulus the government is currently issuing. The inflation rates we have seen are skewed lower than reality because the effects of increasing the money supply have not fully taken hold, and th...
by FireSekr
Wed Dec 30, 2020 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Should i pay off my 15 year 2.85% mortgage?
Replies: 169
Views: 9217

Re: Should i pay off my 15 year 2.85% mortgage?

No. 2.85% is far lower than inflation It is? By what measure of inflation? By the trillions of dollars in stimulus the government is currently issuing. The inflation rates we have seen are skewed lower than reality because the effects of increasing the money supply have not fully taken hold, and th...
by FireSekr
Wed Dec 30, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Should i pay off my 15 year 2.85% mortgage?
Replies: 169
Views: 9217

Re: Should i pay off my 15 year 2.85% mortgage?

No. 2.85% is far lower than inflation especially given the amount of money the US is printing these days to reduce the governments debt obligation. Use it to your advantage Maxing out 457 is a good idea but I would do it by keeping the mortgage and paying my expenses by selling bonds from taxable ea...
by FireSekr
Wed Dec 23, 2020 4:47 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6574

Re: Pragmatic "audiophile" receiver recommendations

Getting the room acoustics correct is certainly most important. After that, don't assume all receivers/amps are the same. Yes, distortion is very low even in the cheapest amps, but there is a noticeable difference when you cross a certain threshold. I would say I can still notice a significant diff...
by FireSekr
Wed Dec 23, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 39332

Re: What kind of car do Bogleheads like to drive?

98 BMW M3 160k miles 2002 BMW M5 140k miles 2003 BMW 330xi 180k miles The M5 is my daily driver in nice weather. The 330 is a daily when it snows. The M3 is just for short trips or fun drives but I don’t take it out much. I used to drive Honda/Acura but BMWs are not as unreliable as many on this boa...
by FireSekr
Fri Dec 18, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Pragmatic "audiophile" receiver recommendations
Replies: 105
Views: 6574

Re: Pragmatic "audiophile" receiver recommendations

Getting the room acoustics correct is certainly most important. After that, don't assume all receivers/amps are the same. Yes, distortion is very low even in the cheapest amps, but there is a noticeable difference when you cross a certain threshold. I would say I can still notice a significant diffe...
by FireSekr
Tue Dec 15, 2020 4:21 pm
Forum: Personal Consumer Issues
Topic: Peloton owners, I need your advice!
Replies: 24
Views: 2497

Re: Peloton owners, I need your advice!

Peloton owners: Assuming weather permitting, would you still prefer indoor biking over biking outside in the park/bike trail? What is your preference, assuming money is not an issue? I much prefer to be outside. It's a different type of workout, but the Peloton is my last resort. I prefer getting o...
by FireSekr
Tue Dec 15, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area
Replies: 168
Views: 9115

Re: Relocation - California, Santa Cruz, Watsonville, Salinas, Monterey area

As someone who lived in LA area on the beach and visited family in Montery/Salinas frequently, I agree with the posters above who warn of microclimates and June gloom. Monterey is frequently covered in fog for a good part of the year, especially in the mornings, and can get cold in the winter. If yo...
by FireSekr
Thu Dec 10, 2020 3:05 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85813

Re: What lifestyle creep made you happier?

I've found that anything that helps to free up time and get basic chores out of the way has been worth it. My most recent "lifestyle cree" was a $169 robot vacuum so now I never really have to think about vacuuming the floors. I'm surprised how much better it cleans than just using a Dyso...
by FireSekr
Thu Dec 03, 2020 12:02 pm
Forum: Personal Consumer Issues
Topic: Switch from dual monitors to one big one?
Replies: 39
Views: 3076

Re: Switch from dual monitors to one big one?

As for the poster who mentioned having improperly sized screen sharing on calls, that is user error. I share my screen many times a day and never have a problem. Just share specific windows rather than the entire screen. This is best practice anyway unless you enjoy having your audience see random ...
by FireSekr
Thu Dec 03, 2020 10:35 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85813

Re: What lifestyle creep made you happier?

I've found that anything that helps to free up time and get basic chores out of the way has been worth it. My most recent "lifestyle cree" was a $169 robot vacuum so now I never really have to think about vacuuming the floors. I'm surprised how much better it cleans than just using a Dyson...
by FireSekr
Thu Dec 03, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: Buying a 1.3M house - worried about unexpected expenses
Replies: 93
Views: 6639

Re: Buying a 1.3M house - worried about unexpected expenses

This isn't true according to OP. They are being blocked from doing an inspection at all, or at least that's what it sounds like Because closing is in a few days and they have no contingencies. Asking for an inspection at this point is whats unreasonable. There is nothing unreasonable about this. If...
by FireSekr
Wed Dec 02, 2020 6:06 am
Forum: Personal Consumer Issues
Topic: Switch from dual monitors to one big one?
Replies: 39
Views: 3076

Re: Switch from dual monitors to one big one?

Thanks all. I think I'll picked one, but will wait for a great deal since I'm not in a rush. Seems like people like the curved quite a bit. I may go to BestBuy or Costco to compare. A few questions are: 1. Can I just plug in the monitor to USB-C or do I need an adapter or a hub? 2. What specs shoul...
by FireSekr
Fri Nov 06, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: What do you give your adult children at holiday time?
Replies: 175
Views: 12637

Re: What do you give your adult children at holiday time?

My parents have given me cash every year for the past 10 years or so, along with some unexpected little trinket like a Christmas tree ornament. I really appreciate the cash gift which is far more thoughtful than giving me some random junk that I don’t need or want in a style or color I don’t like, a...
by FireSekr
Sat Oct 31, 2020 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: husband wants to move to HCOL state
Replies: 133
Views: 7351

Re: husband wants to move to HCOL state

Call it a coincidence, divine providence, or whatever you like but I just finished watching this https://www.youtube.com/watch?v=4eokPpjdj7k just before I came over to Bogleheads and saw your thread. will take a look. Don't bother. It's a political hack organization that is part of a cult. Epoch ti...
by FireSekr
Sat Oct 31, 2020 11:23 am
Forum: Personal Finance (Not Investing)
Topic: husband wants to move to HCOL state
Replies: 133
Views: 7351

Re: husband wants to move to HCOL state

I feel like in the last few years anti-California sentiment has really crept up. Being from Southern California (but not LA) frankly the idea that everything is as expensive as the bay, with homeless people and needles everywhere, etc, is insane. I’m from a really nice place that is expensive compa...
by FireSekr
Sat Oct 31, 2020 8:28 am
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 116
Views: 10855

Re: I just bought a Peloton - Love it!

We tried the digital app as a test and found the instructors obnoxious/annoying - wish there was a service with "normal" people like the spin instructors at our local (closed down) gym. +1 The closest to normal instructor I’ve found is Dennis Morton. He actually knows fitness and designs ...
by FireSekr
Sat Oct 31, 2020 12:54 am
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 116
Views: 10855

Re: I just bought a Peloton - Love it!

Have one. It’s okay. Most of the instructors are meh. Too much feel good motivational “this is your time love yourself” talk gets repetitive and irritating. I much prefer a rowing machine or an elliptical over the bike. They work nearly double the number of muscles and are very low impact. Only got ...
by FireSekr
Wed Oct 28, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11633

Re: Hassle free luxury car

So far I have liked Lexus LC500. I don’t have any interest in driving a sporty luxury car after 40. These two statements are polar opposites. I am 38. So two more years I can drive these luxury sporty cars. Your age isn't the oxymoron...the idea that you consider the LC500 sporty is the oxymoron
by FireSekr
Tue Oct 27, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11633

Re: Hassle free luxury car

A Lexus isn’t sporty.... If you want a sporty luxury car Audi, BMW, or Mercedes are on another level Lexus is the few manufacturers left with a naturally aspirated V8. It revs to 7300RPM. It's probably one of the sportiest motors left in production. Audi, BMW, and Mercedes are not sportier. Mercede...
by FireSekr
Tue Oct 27, 2020 10:10 pm
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11633

Re: Hassle free luxury car

Follow the facts. The long term reliability surveys all indicate that Porsche, BMW, and Audi are fairly close to Lexus in reliability Blanket statement not based in reality. Have something to back this up? JD power’s 3 year reliability rankings. You’ll see that Nissan, Acura, Honda, and Infiniti, a...
by FireSekr
Tue Oct 27, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11633

Re: Hassle free luxury car

From what I have seen, Porsche seems to be more reliable compared to other German cars. They are. When they do need repairs those repairs are more expensive than BMW and Mercedes but about the same as Audi. Luckily Porsche is more reliable than their German counterparts so they don’t have problems ...
by FireSekr
Tue Oct 27, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Hassle free luxury car
Replies: 155
Views: 11633

Re: Hassle free luxury car

A Lexus isn’t sporty. If you drive one everyone will assume you are over the age of 70 and have back problems. Any Mercedes, BMW, Audi should be relatively problem free for the first 3 years which would cover a lease term. The posters all claiming a “hassle free luxury car is an oxymoron” are just t...
by FireSekr
Sat Oct 10, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)
Replies: 71
Views: 4742

Re: Anyone Have a TONAL. Home Gym? (Or a TEMPO Home Gym)

I have a few friends who have them and all the feedback I heard is extremely positive. These are guys who love going to the gym and sometimes would workout with personal trainers. Every one of my friends who got the Tonal have said they are getting better and more effective workouts through the Tona...
by FireSekr
Mon Sep 21, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Offshore Bank Account?
Replies: 33
Views: 4209

Re: Offshore Bank Account?

For those of you who have foreign accounts, are you citizens of the countries where you hold the accounts or do you have any residence there?

I have been thinking of doing something like this too, but admittedly have not had time to do the research
by FireSekr
Wed Sep 09, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Repair plasma television or get new TV?
Replies: 76
Views: 5616

Re: Repair plasma television or get new TV?

I had a 2010 Panasonic Plasma that had a similar issue. As others have mentioned, I identified the board that needed repair, spent about 10 minutes unscrewing the back of the TV and removing the board, and I sent it to an Ebay shop that repaired it for $100. After the repair, I used the TV for 5 yea...
by FireSekr
Fri Aug 14, 2020 6:54 am
Forum: Personal Finance (Not Investing)
Topic: My kid scratched my neighbor's new car
Replies: 115
Views: 7667

Re: My kid scratched my neighbor's new car

I’m in disbelief by the number of posters saying to just pay the $2.4k without question. While you are responsible, the estimate is high and it’s reasonable for you to ask for another. For one panel and a bumper that is excessively high. It doesn’t matter that the car is new, the labor is the same o...
by FireSekr
Fri Jul 31, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94436

Re: Flaunt Your High-Mileage Car

Not that high compared to some on here but: 1998 BMW M3 - 156k 2002 BMW M5 - 136k Both great cars, and hope to keep them to at least 300k miles and beyond. They've been reliable, aside from having to refresh the suspensions in both around 120k miles, and a few other minor items (I've become an exper...