Search found 2490 matches

by surfstar
Tue Apr 20, 2021 4:58 pm
Forum: Personal Consumer Issues
Topic: Sell or Hold Used Car and Buy New?
Replies: 11
Views: 459

Re: Sell or Hold Used Car and Buy New?

I'm going to say my standard buy a Prius Prime schpeal. If you live in a region, or are willing to buy from one (west coast or NE) that is currently offering $5k Toyota rebate/cash on a Prime, buy one. Aim for a $3k dealer discount. You also get $4502 Federal Tax Credit and potentially more state/lo...
by surfstar
Tue Apr 20, 2021 12:57 pm
Forum: Personal Consumer Issues
Topic: Sale of Expensive Home--Limit Showing
Replies: 29
Views: 2206

Re: Sale of Expensive Home--Limit Showing

In the current market you could just demand a cash sale, 20% over asking, sight-unseen, and no inspection.

In other words, your restrictions won't deter. 12 months from now, though - that's harder to predict...
by surfstar
Mon Apr 19, 2021 4:23 pm
Forum: Personal Consumer Issues
Topic: Penfed Credit Union Website Not Working Since Last Update ??
Replies: 23
Views: 1224

Re: Penfed Credit Union Website Not Working Since Last Update ??

Is this a good time to recommend all CCs are set to autopay? Can you pay by phone? They charge $5 to pay by phone which they have waived the last 3 months. No fee if we pay by mail except the $$ for postage. Autopay we also check the statement against what was charged to make sure we have no proble...
by surfstar
Mon Apr 19, 2021 3:51 pm
Forum: Personal Consumer Issues
Topic: Penfed Credit Union Website Not Working Since Last Update ??
Replies: 23
Views: 1224

Re: Penfed Credit Union Website Not Working Since Last Update ??

Is this a good time to recommend all CCs are set to autopay?

Can you pay by phone?
by surfstar
Mon Apr 19, 2021 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which is more forward-looking? Solar panels or Roth investment?
Replies: 35
Views: 2149

Re: Which is more forward-looking? Solar panels or Roth investment?

Roth is more forward looking to me. I do not use enough energy to make solar panels worthwhile. Has Peloton connected their machines into the power grid yet? That would be pretty cool, but wouldn’t generate much power. When I’m really working pretty hard on cycle I’m generating about 300 Watt secon...
by surfstar
Mon Apr 19, 2021 1:15 pm
Forum: Personal Investments
Topic: Invest 120K now or wait for the crash?
Replies: 66
Views: 8368

Re: Invest 120K now or wait for the crash?

For the $120K, when will you need that money? Dave I am 35 and will not need it until retirement. Drop it all in. Dave Should I DCA for the next two years (my usual 5K + 5K from my additional fund)? There is so much greed these days and it makes me feel that there might be a crash. I know nobody ca...
by surfstar
Sun Apr 18, 2021 11:44 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency in Free Fall
Replies: 167
Views: 14741

Re: Cryptocurrency in Free Fall

Not huge. I’ve slowly upped my % investment portfolio from a 1% to 5% to 10% and now 20%. A lot of that is just due to growth and that I don’t see a reason to rebalance down from something that I have a lot of confidence in. But I’m at closer to 15% now so I would have looked to add another 5%. But...
by surfstar
Sun Apr 18, 2021 11:42 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 52
Views: 3240

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

Banff and Lake Louise are absolutely beautiful if you won't be wanting to ski all day everyday.
by surfstar
Sun Apr 18, 2021 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3130

Re: New vs used car in a strong used car market

Prius Prime - cheapest new car you can buy right now. (cheapest b/c it will have positive equity once you get all the rebates and tax credits, assuming you live in a Toyota sales area that is offering the $5k cash/rebate right now ) Unless they need the space of a CRV. Is there a list of areas offe...
by surfstar
Sun Apr 18, 2021 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3130

Re: New vs used car in a strong used car market

Prius Prime - cheapest new car you can buy right now. (cheapest b/c it will have positive equity once you get all the rebates and tax credits, assuming you live in a Toyota sales area that is offering the $5k cash/rebate right now) Unless they need the space of a CRV. Pretty sure Honda Clarity will...
by surfstar
Sun Apr 18, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: New vs used car in a strong used car market
Replies: 41
Views: 3130

Re: New vs used car in a strong used car market

Prius Prime - cheapest new car you can buy right now. (cheapest b/c it will have positive equity once you get all the rebates and tax credits, assuming you live in a Toyota sales area that is offering the $5k cash/rebate right now)
Unless they need the space of a CRV.
by surfstar
Fri Apr 16, 2021 1:15 pm
Forum: Investing - Theory, News & General
Topic: Future Market Expectations
Replies: 33
Views: 2051

Re: Future Market Expectations

I expect up, down or sideways.

What do I win?
by surfstar
Thu Apr 15, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 103
Views: 10538

Re: Why leasing a new car is always the best option even if you intend to keep it forever

Tingting1013 wrote: Thu Apr 15, 2021 3:39 pm
sandramjet wrote: Thu Apr 15, 2021 3:33 pm I drive my car about 18-20K miles per year. How does that affect the lease/buy decision?
You should drive less. It’s bad for your health.
Great point and a bike is cheaper than a car. Should I lease the new bike, though?
by surfstar
Thu Apr 15, 2021 3:43 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 191
Views: 12881

Re: Coinbase IPO - anyone tempted?

Actually, right now it's 14.93%.... :-) Actual rates are here: https://aave.com Perhaps one day the standard Bogleheads portfolio will be 60% stocks, 40% dollar deposits at Aave. Not even joking! You're probably too young, but there's this thing called radio - you can hear advertisements for "...
by surfstar
Thu Apr 15, 2021 3:28 pm
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 103
Views: 10538

Re: Why leasing a new car is always the best option even if you intend to keep it forever

You are in the market for a new Honda Accord. You intend to keep it forever. Let’s say the selling price is $25k, and Honda expects the car to depreciate $10k in the first three years. Your total lease cost is $10k + taxes + interest. At the end of the lease you have the option to buy out the remai...
by surfstar
Thu Apr 15, 2021 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 125
Views: 12189

Re: How close to retirement age would you start to coast instead of grinding it out?

I turned 60 today. I wouldn't say I'm coasting, but I have realized that there is no more upward trajectory for me at work. It's as good as it's going to get. I've hit a number where I could retire if I had to, so I've started drawing more boundaries to protect my personal life. No raise or signifi...
by surfstar
Thu Apr 15, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 103
Views: 10538

Re: Why leasing a new car is always the best option even if you intend to keep it forever

*ahem* MILES PER YEAR has not been addressed. If you only drive 10k or less miles per year - I suggest: a) a used vehicle will last a long time and be cheaper than leasing b) buy an e-bike, use Uber/Lyft, car rentals as needed and you'll also be spending less This blanket claim of "always the b...
by surfstar
Thu Apr 15, 2021 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Home in SoCal
Replies: 117
Views: 8913

Re: Buying a Home in SoCal

Spouse is declining moving, except back to Texas where they don’t understand what I do (I looked repeatedly). My old job is not available. There are numerous references to Spouse 1 and 2 not being on the same page. Communication and expectations apparently need more work. Somehow finding the "...
by surfstar
Thu Apr 15, 2021 11:43 am
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 103
Views: 10538

Re: Why leasing a new car is always the best option even if you intend to keep it forever

Sure. Now do that for 18k miles per year driven. You would have to buy out the lease b/c of mileage charges, right?
by surfstar
Thu Apr 15, 2021 11:39 am
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8226

Re: Will Inflation pay off my home?

5000 sq ft is a mansion?? 🤔 anyhow....the above comments are a slippery slope....think about it. 5000 sq ft is freaking huge. That's larger than many parcels in a developed city. That's a nice-sized home here in flyover country. Only over 9k square feet or so is considered "big"... Differ...
by surfstar
Thu Apr 15, 2021 11:24 am
Forum: Investing - Theory, News & General
Topic: Question about very long expected returns
Replies: 7
Views: 737

Re: Question about very long expected returns

"forecasters" might as well be throwing darts. I think they'd be more likely to be accurate if they did.
by surfstar
Thu Apr 15, 2021 11:22 am
Forum: Personal Investments
Topic: Will Inflation pay off my home?
Replies: 85
Views: 8226

Re: Will Inflation pay off my home?

Carguy85 wrote: Wed Apr 14, 2021 6:27 pm 5000 sq ft is a mansion?? 🤔 anyhow....the above comments are a slippery slope....think about it.
5000 sq ft is freaking huge. That's larger than many parcels in a developed city.
by surfstar
Wed Apr 14, 2021 4:00 pm
Forum: Investing - Theory, News & General
Topic: Watch out for inflation numbers
Replies: 49
Views: 5101

Re: Watch out for inflation numbers

Woohoo!

Lets inflate our mortgage away! 2.5% for 30 years will be very cheap - sooner or later...

Bring it on!
by surfstar
Wed Apr 14, 2021 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 125
Views: 12189

Re: How close to retirement age would you start to coast instead of grinding it out?

I can imagine the added stress retiring in your 50s wondering if you'll have enough to live another 40-50 years? Just something to think about for the FIRE posters here. 50s? stress? ha - we'd be too well-off if we wait until then. By 50 (me) / 52 (DW) - we'll have more than enough. Our FIRE dilemm...
by surfstar
Wed Apr 14, 2021 2:52 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 191
Views: 12881

Re: Coinbase IPO - anyone tempted?

I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &qu...
by surfstar
Wed Apr 14, 2021 1:48 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 191
Views: 12881

Re: Coinbase IPO - anyone tempted?

I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &qu...
by surfstar
Wed Apr 14, 2021 1:21 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 191
Views: 12881

Re: Coinbase IPO - anyone tempted?

I thought one of the great ideals of crypto is that you don't deal with banks and their fees? Is overpaying transaction fees to use a digital "coin" somehow better than using venmo/paypal/etc? I don't understand this and continue to sit by dumbfounded while more people pour money into &quo...
by surfstar
Wed Apr 14, 2021 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How close to retirement age would you start to coast instead of grinding it out?
Replies: 125
Views: 12189

Re: How close to retirement age would you start to coast instead of grinding it out?

The health stuff, though. Ya gotta deal with that, regardless of how hard you're working. If nothing else, you'll be more effective at work if you're healthy. What? ___ that! Stressful job leading to detrimental health. Be sure to work on your health so that you can do your job better. :oops: I do ...
by surfstar
Tue Apr 13, 2021 3:08 pm
Forum: Investing - Theory, News & General
Topic: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“
Replies: 944
Views: 61515

Re: “New Bitcoin Investors Explain Why They’re Buying at Record Prices“

Has anyone minted a "FOMO" cryptocoin yet?

I know if I ever bought into crypto it would be a FOMO coin :oops: own $0 currently
by surfstar
Tue Apr 13, 2021 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Ability to lower mortgage payment after close?
Replies: 5
Views: 479

Re: Ability to lower mortgage payment after close?

Keep the money invested, sell assets as needed.
by surfstar
Tue Apr 13, 2021 10:16 am
Forum: Personal Finance (Not Investing)
Topic: House Building vs. Buying in this Market?
Replies: 21
Views: 2074

Re: House Building vs. Buying in this Market?

Rent.

You don't have to buy a home or build one just b/c you're moving.
by surfstar
Tue Apr 13, 2021 10:13 am
Forum: Personal Consumer Issues
Topic: 10+ year old used cars?
Replies: 64
Views: 5104

Re: 10+ year old used cars?

I am going to give Carvana a shot and look for a 2020 Versa in the $17,000 to $19,000 range. Hopefully I can keep my 09 for another year or maybe more, time will tell. In that range you can buy a new Prius Prime. Need to live in an area where Toyota is offering $5k+ cash/rebate, negotiate $3k deale...
by surfstar
Mon Apr 12, 2021 2:15 pm
Forum: Investing - Theory, News & General
Topic: Ross Gerber (Wealth Management) claims index funds won’t have high enough returns to fund retirement
Replies: 27
Views: 1955

Re: Ross Gerber (Wealth Management) claims index funds won’t have high enough returns to fund retirement

Thought it was interesting just how arrogant some of these active fund managers are and completely oblivious to their inability to predict the future. They're in sales. The "client" is purchasing what they sell. Which of course is not a guaranteed rate of return, only a guaranteed higher ...
by surfstar
Sun Apr 11, 2021 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 5209

Re: How much should I overpay?

It's a 4 bedroom house with 3 kids, and 2 of them are sharing a room ... It's not especially uncomfortable now but I think it will start to get that way. You might try some historical perspective. Families in the 1930s with 3 kids in a 1200 sqft house. Somehow, my mother survived/thrived and went o...
by surfstar
Sun Apr 11, 2021 9:53 am
Forum: Personal Consumer Issues
Topic: Comfortable Men's Flip Flops?
Replies: 69
Views: 4970

Re: Comfortable Men's Flip Flops?

I looked up some of the prices of the suggested flippers here in this thread and my mind just broke. My current flip flops are from Roses and I paid $2. A wise person once said to never skimp on mattresses, car tires, or shoes. You spend nearly your entire life on them, in some form or another. Our...
by surfstar
Sun Apr 11, 2021 9:48 am
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 5209

Re: How much should I overpay?

Buy smaller furniture?

Seriously, what is the current house size and family size?
Get rid of some stuff you don't need and save hundreds of thousands of dollars by not moving...

Just a thought.
by surfstar
Sun Apr 11, 2021 12:22 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency - Bitcoin Continues to Soar!
Replies: 299
Views: 25456

Re: Cryptocurrency - Bitcoin Continues to Soar!

Bama12 wrote: Sat Apr 10, 2021 7:45 pm I would add ZIL and VET
This would be an easy late-night sketch where you add in a few that are completely made up instead of actually made up and exist. I'm sure people would still "invest" in them anyways
:oops: Kimmel-Koin coming soon!
by surfstar
Sun Apr 11, 2021 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Using equity in primary home to invest in multiple investment properties
Replies: 30
Views: 2062

Re: Using equity in primary home to invest in multiple investment properties

Joe2116 wrote: Fri Apr 09, 2021 10:42 pm I would also find a property with good cash flow not only to cover the mortgage but also the expenses involved in having a rental and pay for a part of the HELOC.
That sounds so easy and like a guaranteed return!!! Why isn't everyone doing that?
by surfstar
Sat Apr 10, 2021 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone contemplating OLY (One Less Year)?
Replies: 52
Views: 4778

Re: Anyone contemplating OLY (One Less Year)?

We're running the numbers on 5 less years. How much leaner would retirement be if we could bow out in 5 vs 10 years as previously planned. Hoping for 4-5 good years of returns to help... If we can live "cheap" for 4-5 years, it could work nicely. Rent out our place while we travel vs letti...
by surfstar
Fri Apr 09, 2021 3:12 pm
Forum: Personal Consumer Issues
Topic: The Great Swing Set Dilemma
Replies: 56
Views: 4579

Re: The Great Swing Set Dilemma

Normally I'd say don't worry about the kid getting hurt - they recover quickly at young ages (I have fond memories of jumping off all kinds of things when young and never broke a thing!), but the bridge doesn't really add much function at all. Feel free to skip it, as others have suggested.
by surfstar
Thu Apr 08, 2021 10:02 pm
Forum: Personal Investments
Topic: Deciding it it's worth it to buy long-term individual stocks
Replies: 57
Views: 5411

Re: Deciding it it's worth it to buy long-term individual stocks

Nearly all of investments are in index funds. I have a tiny # of safe long term holds like AAPL. Nothing high risk. Is it even worth it to continue buying shares in AAPL, for example? I feel as though the $ might be better spent just continuing with whole market funds and taking advantage of compou...
by surfstar
Thu Apr 08, 2021 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vote: House or keep buying taxable mutual funds?
Replies: 14
Views: 1037

Re: Vote: House or keep buying taxable mutual funds?

Bill Bernstein offers a rule of thumb that houses are cheap if they cost less than 168x monthly rent. How’s that work in your area? Wow.... if that's a legit rule of thumb I will never, ever buy a home where I live in the Bay Area Bernstein’s number might need to be adjusted for current mortgage ra...
by surfstar
Thu Apr 08, 2021 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Value of a single mortgage servicer?
Replies: 4
Views: 338

Re: Value of a single mortgage servicer?

$0

Give me the best deal/offer. Fine if it includes escrow also. CA escrow accounts earn 2% :D
by surfstar
Thu Apr 08, 2021 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit unions offer deposit accounts paying more than 3% interest?
Replies: 80
Views: 7654

Re: Which credit unions offer deposit accounts paying more than 3% interest?

I have no wisdom to offer here. But this post reminds me of the violence that the Fed has committed against savers everywhere. It surprises me that Bogleheads (we saved, we paid off student loans and mortgages early like a good girl/boy) are not OUTRAGED at the fact that someone has to come on this...
by surfstar
Thu Apr 08, 2021 3:53 pm
Forum: Investing - Theory, News & General
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 246
Views: 17426

Re: Non-fungible tokens (NFTs): anyone investing in those?

HomerJ wrote: Thu Mar 25, 2021 2:42 pm I laughed at the idea of a million dollar Rickroll... :)
Quick - create a million dollar NFT Rickroll!!!
by surfstar
Thu Apr 08, 2021 3:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14660
Views: 1127397

Re: U.S. stocks continue to soar!

OohLaLa wrote: Thu Apr 08, 2021 3:34 pm
jason2459 wrote: Thu Apr 08, 2021 3:01 pm Oh so close. No way 4100 is happening tomorrow.
I'm liking the use of reverse psychology on display. :beer
I totally jinxed it. Opened up a taxable account today. I apologize in advance.
by surfstar
Thu Apr 08, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit unions offer deposit accounts paying more than 3% interest?
Replies: 80
Views: 7654

Re: Which credit unions offer deposit accounts paying more than 3% interest?

I have no wisdom to offer here. But this post reminds me of the violence that the Fed has committed against savers everywhere. It surprises me that Bogleheads (we saved, we paid off student loans and mortgages early like a good girl/boy) are not OUTRAGED at the fact that someone has to come on this...
by surfstar
Thu Apr 08, 2021 2:14 pm
Forum: Personal Investments
Topic: How to structure my 401k alongside a new taxable account - VXUS in taxable or 401k?
Replies: 3
Views: 381

Re: How to structure my 401k alongside a new taxable account - VXUS in taxable or 401k?

RE: TLH options... As we hold VTSAX in our Roths and I have an S&P 500 fund in my 457, I have assumed that using VTCLX and VLCAX as TLH partners in taxable would be simplest. Just opened a joint taxable with Vanguard today. :sharebeer I wanted the option to TLH without having to move other funds...
by surfstar
Thu Apr 08, 2021 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5889

Re: Job Satisfaction vs Maximizing Income

It is more dependent upon the employee than employer for most (but not all) cases, IMO. Very subjective. I hate working. Never had a job a found enjoyable. Tolerable, maybe, but because I have to make money. If you can "suffer" for substantially more money and FIRE, that could be a meanin...
by surfstar
Thu Apr 08, 2021 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on AirBnB Charges
Replies: 18
Views: 1592

Re: Advice on AirBnB Charges

You took a risk in booking this, fully knowing COVID was still an issue. If you "feel" like you don't "deserve" to pay, you could cancel the card - as you've stated the full amount has not been charged yet. Think about cancellation policies and/or travel insurance for future book...