Search found 457 matches

by bogledogle
Sun Apr 11, 2021 10:52 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 14
Views: 813

Re: Best 4 wheel drive vehicle

Some choices are 4 runner, Jeep, Lexus LX, some 4 x 4 truck, Toyota land cruiser. If you are going to carry equipment/rods for surf casting and Kayaks, a truck will better fit your needs for easy access to equipment and more storage.
by bogledogle
Fri Apr 09, 2021 3:27 pm
Forum: Personal Investments
Topic: Mixing Bogle and Ramsey to build my portfolio
Replies: 73
Views: 5795

Re: Mixing Bogle and Ramsey to build my portfolio

+1 on Ramsey dishes out some really terrible advice. I think you picked the better parts of his advice, so you are good as long as that's where you leave it.
by bogledogle
Thu Apr 08, 2021 7:46 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2277
Views: 270526

Re: Finally cracked 100k in retirement accounts!

Nice! Congrats!
by bogledogle
Thu Apr 08, 2021 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on AirBnB Charges
Replies: 18
Views: 1518

Re: Advice on AirBnB Charges

I would still report it to credit card company as "services not rendered". I got money refunded from an airline which denied boarding for a relative whom I bought an international ticket. The airline denied boarding by changing their policies because of restricted international travel due ...
by bogledogle
Wed Apr 07, 2021 10:26 pm
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 245
Views: 16674

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

In old movies or old pictures you rarely see new cars. Now, I look around. Never see a car older than 10 yrs. Never see, for example an old Benzo or old Bmer around. I go to the mall and don't see one single clunker. It is strange. A quick Google tells me that the average age of cars in the US is 1...
by bogledogle
Wed Apr 07, 2021 3:47 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3601

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Rather than buy new tires, it might be worth your time to investigate sound deadening/sound isolation systems/mats/blanket/insulation. You would basically apply these materials in your wheel wells and body panels to deaden the sound. Here's a video of someone installing these mats in the wheel well...
by bogledogle
Wed Apr 07, 2021 1:35 pm
Forum: Personal Investments
Topic: How to lose the desire of outperforming the market?
Replies: 112
Views: 6894

Re: How to lose the desire of outperforming the market?

OP,

My brain hurts when I say this but, maybe you need a financial advisor. You seem to mix emotions and feelings with investing a little too much. You may be a prime candidate for a low fee advisor.
by bogledogle
Wed Apr 07, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 234
Views: 15669

Re: Insane to buy a sports car?

Cayman GTS? The H6 is certainly nice. I drove a base Cayman last week and crossed it off my list of "want to buy" cars. I'm sure the GTS is much better. Too big for me. You need to drive the GTS. The experience is vastly different from base to GTS. What other cars are on your list if a Ca...
by bogledogle
Wed Apr 07, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3601

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

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...
by bogledogle
Wed Apr 07, 2021 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Taking a paycut for a more stable state job (CA)?
Replies: 75
Views: 4593

Re: Taking a paycut for a more stable state job (CA)?

Your current job doesn't sound all that bad to me. I'd wait for the layoffs (if they even happen). If you think you are bored now, just wait until you get a gov't role doing what you are doing now. It's not the boredom that bothers me. It's the instability I've been feeling. Also the reputation of ...
by bogledogle
Wed Apr 07, 2021 10:57 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 245
Views: 16674

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

If your car is being driven for 60,000 miles, please change the oil a few times :oops:
by bogledogle
Wed Apr 07, 2021 9:33 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3601

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

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.
by bogledogle
Wed Apr 07, 2021 12:54 am
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 54
Views: 3601

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

You may need alignment and balancing. That said, stock pirelli run-flats are awful. You need to switch to non run-flats if you want less road noise and comfort. Michelin pilot 4s are the best tire around for street use. They have zero noise. I run them all year round but I am in California. They are...
by bogledogle
Tue Apr 06, 2021 11:42 pm
Forum: Personal Consumer Issues
Topic: Insane to buy a sports car?
Replies: 234
Views: 15669

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 as the Spyder but cheaper (and I like the wheels better :) ). Income and savings have actually increased exponentially this year and I thought if not now, w...
by bogledogle
Sun Apr 04, 2021 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Should I opt for deferred compensation ? seeking advise
Replies: 31
Views: 3044

Re: Should I opt for deferred compensation ? seeking advise

It would be prudent to read the fine print of your deferred compensation plan. Not all deferred comp plans are the same, I believe non-govt deferred comp plans may have high fees and risk of employers creditors as your $$ maybe a part of company assets. Some plans have rules on distributions that ma...
by bogledogle
Tue Mar 30, 2021 1:30 pm
Forum: Personal Investments
Topic: Large sum -- to DCA or not to DCA?
Replies: 120
Views: 9178

Re: Large sum -- to DCA or not to DCA?

WealthFront (Robo Investment) $45,180 (I’m running a 4 year experiment to see if Robo-advisors do as well or better than a Vanguard portfolio of index funds. Currently in year 3) Very curious to hear about the results by Yr 3 if you are willing to share. Also, if you are going to invest for longter...
by bogledogle
Tue Mar 30, 2021 1:26 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 228
Views: 22182

Re: High spenders what do you spend on?

Both first class and coach arrive at the same exact time. Might I recommend the 2021 Corvette Stingray? The drive is an incredible experience. I sometimes wonder why I hear the first with some frequency and rarely if ever hear that a Stingray and a Chevy Spark ($50,000 or more less expensive) arriv...
by bogledogle
Tue Mar 30, 2021 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48859

Re: Tales from this insane real estate market

But on the other hand, it's the lowest risk way to build a rental portfolio I've ever seen. It's worked out very well for me. :beer Do you have a thread about this, by chance? Do you get a new primary residence mortgage every time you decide to move? No, I do not have a thread on it, but I have pos...
by bogledogle
Tue Mar 30, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Spending money and living now VS saving and living better later?
Replies: 82
Views: 17280

Re: Spending money and living now VS saving and living better later?

OP, You need to find a balance as others have suggested. The way we approach this is to set goals to save a specific % of post tax income and a overall target goal for our retirement accounts. We set short term goals (3-5 years) and long term goals (20 years), so it is rewarding to see what we are a...
by bogledogle
Sat Mar 27, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3013

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

None. Car manufacturers want you to buy a new car as frequently as possible. Any manufacturer that promises future upgrades is going to figure out how to monetize it. Ie: you pay for it in some way - extended warranty ..etc Tesla is turning off features the first buyer paid for when they sell their...
by bogledogle
Sat Mar 27, 2021 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Can I stop working?
Replies: 120
Views: 12246

Re: Can I stop working?

You can give me 1 Million as a gift and still retire tomorrow.
by bogledogle
Fri Mar 26, 2021 1:06 pm
Forum: Personal Consumer Issues
Topic: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?
Replies: 34
Views: 3013

Re: Which car supports easy upgrades of driver assist features year over year without buying a new car every year ?

None. Car manufacturers want you to buy a new car as frequently as possible. Any manufacturer that promises future upgrades is going to figure out how to monetize it. Ie: you pay for it in some way - extended warranty ..etc Tesla is turning off features the first buyer paid for when they sell their ...
by bogledogle
Thu Mar 25, 2021 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of net worth in retirement account is "Too much" for early 40s?
Replies: 64
Views: 7114

Re: What percentage of net worth in retirement account is "Too much" for early 40s?

OP, You mention 457 in your post, so I am going to leave this podcast link here in case you didn't know how awesome a 457b can be. You can withdraw money without paying penalties before 59.5 https://www.choosefi.com/457b-free-money/ In your case, you cannot go wrong with taking full advantage of you...
by bogledogle
Thu Mar 25, 2021 8:10 pm
Forum: Personal Investments
Topic: New to Bogleheads Forum - Tax Gain Harvesting?
Replies: 9
Views: 768

Re: New to Bogleheads Forum - Tax Gain Harvesting?

Makefile wrote: Thu Mar 25, 2021 5:05 pm
bglhd_finance wrote: Thu Mar 25, 2021 4:30 pm 1) Are there any potential downsides or things to consider before going ahead with the plan?
State income tax.
+1
by bogledogle
Thu Mar 25, 2021 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 47
Views: 4759

Re: Should I stay or should I go?

OP, Are you taking a senior leadership role? Are you able to negotiate an executive golden parachute? Ie: preset salary/bonus for certain time and if they terminate your employment, they pay you a set amount to exit? If yes, I would go back. Sounds like you like the people and the work, and it seems...
by bogledogle
Thu Mar 25, 2021 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48859

Re: Tales from this insane real estate market

This real estate market has shown me once again how much money there really is in America. There is a veritable sea of money out there - seemingly endless amounts. Folks with $1.5 million homes in every town in America, and many have +$2.0 million vacation homes. Drive down the Atlantic seaboard fr...
by bogledogle
Thu Mar 25, 2021 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 410
Views: 48859

Re: Tales from this insane real estate market

But on the other hand, it's the lowest risk way to build a rental portfolio I've ever seen. It's worked out very well for me. :beer Do you have a thread about this, by chance? Do you get a new primary residence mortgage every time you decide to move? No, I do not have a thread on it, but I have pos...
by bogledogle
Wed Mar 24, 2021 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: What is an average retirement a/c worth in America ?
Replies: 228
Views: 22354

Re: What is an average retirement a/c worth in America ?

My favorite posts are the ones asking if they can retire on 3 million dollars . Ok, so I was one of those posters. Struggled with it a long time, eventually pulled the trigger. Now a few years later at age 55, we're up close to $4.5 million . So far so good, but we still worry ... I think I have a ...
by bogledogle
Tue Mar 23, 2021 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can a gift be made on behalf of a deceased spouse?
Replies: 32
Views: 1541

Re: Can a gift be made on behalf of a deceased spouse?

Honestly has anyone been dinged for not reporting gifts of such a low amount? Does anyone know of a real life example? Does the IRS really care if you gave your son or niece $2000 for their birthday? No, because the annual exclusion amount is $15,000 Yes, up to 15,000 is annual exclusion amount to ...
by bogledogle
Tue Mar 23, 2021 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Can a gift be made on behalf of a deceased spouse?
Replies: 32
Views: 1541

Re: Can a gift be made on behalf of a deceased spouse?

Honestly has anyone been dinged for not reporting gifts of such a low amount? Does anyone know of a real life example? Does the IRS really care if you gave your son or niece $2000 for their birthday?
by bogledogle
Mon Mar 22, 2021 12:30 pm
Forum: Personal Consumer Issues
Topic: How much are your monthly total subscriptions?
Replies: 37
Views: 1648

Re: How much are your monthly total subscriptions?

I am curious how much you are paying for monthly subscriptions a month in total for media entertainment. Between Youtube, Netflix, Disney, Spotify, etc. and all that ... would it be quite a fair bit of money? We don't have any subscriptions currently and am trying to figure out just one service to ...
by bogledogle
Sat Mar 20, 2021 1:48 pm
Forum: Personal Consumer Issues
Topic: Mercedes GLE vs Volvo XC90
Replies: 13
Views: 1499

Re: Mercedes GLE vs Volvo XC90

Given the options, you will lose less money and have less headaches with the Volvo. But, in either case, have another car to use while yours is constantly in the repair shop. LMAO. This is not a real world problem. Merc and Volvo will gladly give you a loaner car if your car is in the shop. You don...
by bogledogle
Sat Mar 20, 2021 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give financial advice to friends and receive money?
Replies: 54
Views: 4575

Re: Can you give financial advice to friends and receive money?

White Coat Investor wrote: Sat Mar 20, 2021 11:52 am A fair number of people get around this by "coaching" rather than advising, but it's a pretty gray area. Tread carefully.
+1
by bogledogle
Thu Mar 18, 2021 6:50 pm
Forum: Personal Consumer Issues
Topic: upgrade iphone 6??
Replies: 62
Views: 3819

Re: upgrade iphone 6??

sad2 wrote: Wed Mar 17, 2021 8:25 pm
I recently switched jobs and the new employer's IT system will not allow me to check my work email on my personal phone because my IOS version is 12.5.1. I have an iphone 6.

Thank you.
Don't check work email on personal phone. Problem solved!
by bogledogle
Thu Mar 18, 2021 6:36 pm
Forum: Personal Consumer Issues
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 231
Views: 16531

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

I would like to purchase a NFT which is a picture of a painting by Cathie Woods that shows Elon Musk tweeting about why Dogecoin is the best of all the altcoins, using a phone that is 3D printed by a printer purchased with Bitcoin, while driving his Tesla to Roaring Kitty's house while wearing a shi...
by bogledogle
Thu Mar 18, 2021 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sitting on too much cash? Should we rethink taxable investing?
Replies: 55
Views: 5964

Re: Sitting on too much cash? Should we rethink taxable investing?

$10k E-Fund - We basically never touch this. Just following the "3-months expenses" guideline. $19k Car Fund - Next car purchase will be a couple years out give or take when our current family vehicle hits about 10 years old. Estimating cost of about $30k for family vehicle. $30k Misc Sav...
by bogledogle
Thu Mar 18, 2021 6:06 pm
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5380

Re: Live on a lake in Florida?

jucor wrote: Wed Mar 17, 2021 7:08 am Breed mosquitos for fun and profit. ;)
Free bugs for pet reptile :D
by bogledogle
Thu Mar 18, 2021 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Asking HR for a raise
Replies: 52
Views: 4935

Re: Asking HR for a raise

wilked wrote: Thu Mar 18, 2021 12:37 pm the company stinks, your boss stinks, and you are underpaid in a market that is hot for your position.

Vote with your feet, find a new gig
+1
by bogledogle
Thu Mar 18, 2021 2:31 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 241
Views: 23114

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

Education - College degree.
by bogledogle
Mon Mar 15, 2021 4:49 pm
Forum: Personal Consumer Issues
Topic: Tesla for people that keep cars a long time
Replies: 147
Views: 11205

Re: Tesla for people that keep cars a long time

It depends on your expectations. In theory electric cars should last longer because they have fewer parts that can fail, but any failures are going to be big ticket items like battery and a motor ..etc. Tesla's warranty for the battery I think is 8 years to retain 70% of battery life. So you may los...
by bogledogle
Mon Mar 15, 2021 2:58 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrency in Free Fall
Replies: 55
Views: 6340

Re: Cryptocurrency in Free Fall

MinnGuyInvesting wrote: Mon Mar 15, 2021 2:44 pm Bitcoin down (close to 10%) to 56k from it's weekend high of 60k+.
Lol you have two threads to cover "free fall" and "soaring". I like how you are playing both sides of the bitcoin before some white knight steps in to defend VTSAX - pun intended lol :D
by bogledogle
Mon Mar 15, 2021 2:43 pm
Forum: Personal Investments
Topic: Is My 401k Worth It?
Replies: 26
Views: 2622

Re: Is My 401k Worth It?

Always worth it to get employer contribution.
by bogledogle
Thu Mar 11, 2021 1:12 pm
Forum: Personal Investments
Topic: Have money but cannot access it - what are options?
Replies: 36
Views: 3878

Re: Have money but cannot access it - what are options?

It seems your friend fire'd too hard. I think the Cares act has a provision to take a loan or a distribution from 401k - might be worth exploring if that is still around. Also, file for unemployment.
by bogledogle
Wed Mar 10, 2021 4:26 pm
Forum: Investing - Theory, News & General
Topic: [GameStop GME trading mega-thread]
Replies: 4545
Views: 227786

Re: [GameStop GME trading mega-thread]

VtsaxParade wrote: Wed Mar 10, 2021 4:22 pm Not sure why people get so emotional when asset prices don't fit their valuation. Especially when they don't own them.

This is an amazing chance to watch a very rare event and people are putting their egos way too into it.

Just watch, learn, and have fun!
+1 :sharebeer
by bogledogle
Wed Mar 10, 2021 3:30 pm
Forum: Personal Consumer Issues
Topic: How much do you pay your tax professional?
Replies: 60
Views: 6451

Re: How much do you pay your tax professional?

We paid ~1000 for a joint return to my DW's tax guy once and he screwed up. We had to refile and correct it, and the IRS has been sending us letters about that years return and we are having to do a lot of paperwork - it was at least 4 years ago it is still unresolved! I have always done them myself...
by bogledogle
Mon Mar 08, 2021 10:33 pm
Forum: Personal Investments
Topic: Suggestions for 27yo engineer, ~$1mm windfall, looking to DIY growth
Replies: 27
Views: 5427

Re: Suggestions for 27yo engineer, ~$1mm windfall, looking to DIY growth

Read about sequence of returns risk. You have 1M very early in your career and have the rest of your life left to compound that. Your priority should be capital preservation and letting compounding work for you. You will probably make 100K in returns every year with the cash you have in VTSAX or VOO...
by bogledogle
Mon Mar 08, 2021 3:59 pm
Forum: Personal Consumer Issues
Topic: Wife New Car - Used Market Non Ideal
Replies: 37
Views: 2999

Re: Wife New Car - Used Market Non Ideal

aadwen wrote: Mon Mar 08, 2021 8:34 am In a minivan now and want to live up to a large SUV like a Palisaide, Telluride. Expedition etc.

Is new the way to go when used prices are this high?

Thanks!
Large SUVs are the rage right now. Finding a good used deal is going to be hard.
by bogledogle
Mon Mar 08, 2021 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone have a coffee, macadamia nut, or avocado farm?
Replies: 26
Views: 2233

Re: Does anyone have a coffee, macadamia nut, or avocado farm?

fredflinstone wrote: Mon Mar 08, 2021 3:45 pm How hard is it for someone with no farming background to own and operate a successful small farm (a few acres)?
Is this a hobby farm or you are looking to make a profit?