Search found 479 matches

by bogledogle
Sun Apr 18, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: Protective Coating on New Subaru?
Replies: 18
Views: 1465

Re: Protective Coating on New Subaru?

Hello everyone, We just ordered a 2021 Subaru Impreza with all the possible safety features with the top end model of the car. The dealer is offering the option of an additional “ECP Diamond Plus Ceramic” coating on the exterior paint, and interior protection against rips in the leather, food stain...
by bogledogle
Fri Apr 16, 2021 1:41 pm
Forum: Personal Consumer Issues
Topic: can I get boglehead approval for a 70K truck?
Replies: 97
Views: 5393

Re: can I get boglehead approval for a 70K truck?

400k income and you want to buy 70k truck? :shock:

Denied! Denied! Denied!

Come back when you have 70 Mil portfolio, and it better be approval for a 3 yr old Camry that you will own and drive for at-least 200k miles. :D :-P 8-)
by bogledogle
Fri Apr 16, 2021 11:36 am
Forum: Personal Consumer Issues
Topic: Please suggest a docuseries to watch
Replies: 24
Views: 1897

Re: Please suggest a docuseries to watch

"Making a murderer" on Netflix if you are the one person that has not watched it yet. "The serpent" - its not a doc, but based on a true story on Netflix. "I'll be gone in the dark" - GSK doc on HBO. If you have not heard the "serial" podcast, check that out t...
by bogledogle
Fri Apr 16, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: Snowbirds establishing FL residency from Northeast- Residency audits
Replies: 65
Views: 5538

Re: Snowbirds establishing FL residency from Northeast- Residency audits

Personal experience: We sold a home in Hawaii and moved to California. CA wanted to know if we owed any taxes, asked for documentation and we sent it in. They sent us a letter that everything seems to be in order and they are closing the enquiry. But, they added a footnote that this does not mean w...
by bogledogle
Fri Apr 16, 2021 11:16 am
Forum: Personal Consumer Issues
Topic: Snowbirds establishing FL residency from Northeast- Residency audits
Replies: 65
Views: 5538

Re: Snowbirds establishing FL residency from Northeast- Residency audits

Personal experience: We sold a home in Hawaii and moved to California. CA wanted to know if we owed any taxes, asked for documentation and we sent it in. They sent us a letter that everything seems to be in order and they are closing the enquiry. But, they added a footnote that this does not mean we...
by bogledogle
Thu Apr 15, 2021 3:42 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: 122
Views: 11337

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.
:-P :-P :-P :-P :-P
by bogledogle
Thu Apr 15, 2021 1:29 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: 122
Views: 11337

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 bogledogle
Thu Apr 15, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Power of a personal real estate offer letter
Replies: 77
Views: 4797

Re: Power of a personal real estate offer letter

I don't have personal experience, but I know folks who went way overboard on this in the Bay Area IMO. Writing letters is considered basic now, folks make videos and send them over. I know a couple who shipped an ipad in a gift box, with professionally produced video to make a pitch for a SFH in Sa...
by bogledogle
Thu Apr 15, 2021 12:56 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 14660
Views: 1127419

Re: U.S. stocks continue to soar!

I knew this thread was going to pop u on the front page today.. lol
by bogledogle
Wed Apr 14, 2021 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Power of a personal real estate offer letter
Replies: 77
Views: 4797

Re: Power of a personal real estate offer letter

I don't have personal experience, but I know folks who went way overboard on this in the Bay Area IMO. Writing letters is considered basic now, folks make videos and send them over. I know a couple who shipped an ipad in a gift box, with professionally produced video to make a pitch for a SFH in San...
by bogledogle
Tue Apr 13, 2021 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Any happy lawyers out there?
Replies: 138
Views: 12589

Re: Any happy lawyers out there?

Yes, happy lawyers that are I know are the folks on our corporate legal team :D But another data point is one of my friends, a very talented guy who left a Director role at a startup tech company that paid afaik 250 + RSU in a pre IPO company virtually guaranteed to succeed because they are backed b...
by bogledogle
Tue Apr 13, 2021 11:08 am
Forum: Investing - Theory, News & General
Topic: What's your definition of "Family Money"?
Replies: 47
Views: 5510

Re: What's your definition of "Family Money"?

Any money you get from your family is family money. Including the money for school, food, housing, clothes and shoes ..etc while you grew up. You stop consuming your family's money and hopefully start building your own when you start making your own income.
by bogledogle
Tue Apr 13, 2021 10:00 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 53
Views: 5940

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

I'm a rebel without a cause, but I always give a fake SS # in these situations. This is awesome! I never thought of this. My new dentists office wanted to get my social too. I told them I will be happy to write a check if they provided a receipt stating they will reimburse me after they work it out...
by bogledogle
Tue Apr 13, 2021 4:43 am
Forum: Personal Consumer Issues
Topic: Cockroach Coming Out of Hole in Sink?
Replies: 32
Views: 3141

Re: Cockroach Coming Out of Hole in Sink?

Did you show the cockroach your passport? Maybe if it knew you are a US citizen it will leave voluntarily. :mrgreen:

Where the big cockroaches exist, you will find chemicals to kill them. Have you tried a simple google search?
by bogledogle
Mon Apr 12, 2021 10:14 pm
Forum: Personal Investments
Topic: Today VTI closed +ve 214.20 +0.06 (+0.03%) but VTSAX was -ve 104.23 -0.02 (-0.02%)
Replies: 7
Views: 1285

Re: Today VTI closed +ve 214.20 +0.06 (+0.03%) but VTSAX was -ve 104.23 -0.02 (-0.02%)

Check out tomorrow morning's opening price. I believe it mutual funds price does not update in real time.
by bogledogle
Mon Apr 12, 2021 10:08 pm
Forum: Personal Investments
Topic: H1B visa holder with Green card is in process. How should I plan for my retirement
Replies: 20
Views: 1736

Re: H1B visa holder with Green card is in process. How should I plan for my retirement

All very true. In my case, I actually had a green card, but decided to drop it to protect my retirement savings when the US introduced its appalling 'exit tax'. Did you end up dropping your GC before the exit taxes kicked in? Yet for all that, even I feel uneasy relying on them. I am permanently on...
by bogledogle
Mon Apr 12, 2021 12:57 pm
Forum: Personal Investments
Topic: H1B visa holder with Green card is in process. How should I plan for my retirement
Replies: 20
Views: 1736

Re: H1B visa holder with Green card is in process. How should I plan for my retirement

The first is that very few countries have US estate tax treaties . And for a non-US citizen living in one of those countries, US estate taxes begin at just $60,000 of assets (compare to the $11mm or so for US citizens), and apply to all "US situs" assets, a category that apparently includ...
by bogledogle
Mon Apr 12, 2021 12:52 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

Re: Best 4 wheel drive vehicle

Option 1: get an older, higher mileage vehicle as a 3rd vehicle to only use when needed I love my unicorn... I mean my 2003 Yukon XL 2500 6.0L Quadrasteer 4x4... we went with Option one... bought 10 years ago.. and we put on 20k miles in 10 years. 20k or 200k? :D LOL... 20k i figure, between the in...
by bogledogle
Mon Apr 12, 2021 12:47 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

Re: Best 4 wheel drive vehicle

7eight9 wrote: Sun Apr 11, 2021 9:58 pm Toyota Hilux or Land Cruiser depending on your budget.
No Hilux in the USA :(
by bogledogle
Mon Apr 12, 2021 12:35 am
Forum: Personal Investments
Topic: H1B visa holder with Green card is in process. How should I plan for my retirement
Replies: 20
Views: 1736

Re: H1B visa holder with Green card is in process. How should I plan for my retirement

Yes, you should contribute to 401k and at your income level you should contribute maximum allowed if possible. If your employer contributes some amount, there is literally no downside for H1 holders and a lot of potential upside. Firstly, even if you had to withdraw and leave the country next year, ...
by bogledogle
Sun Apr 11, 2021 9:22 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

Re: Best 4 wheel drive vehicle

Soon2BXProgrammer wrote: Sun Apr 11, 2021 9:20 pm
MrsO wrote: Sun Apr 11, 2021 10:45 am Option 1: get an older, higher mileage vehicle as a 3rd vehicle to only use when needed
I love my unicorn... I mean my 2003 Yukon XL 2500 6.0L Quadrasteer 4x4...

we went with Option one... bought 10 years ago.. and we put on 20k miles in 10 years.
20k or 200k? :D
by bogledogle
Sun Apr 11, 2021 9:19 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

Re: Best 4 wheel drive vehicle

OP, Here are a few youtube channels I like that are Jeep, 4runner/Lexus, Truck related. Maybe these will inspire or give you some ideas. If not, it's free entertainment at the least. Trail Recon (Jeep focused) https://www.youtube.com/channel/UCEEgz9PD6iTRSB0VXNbWvRw Lifestyle Overland (Primary 4runn...
by bogledogle
Sun Apr 11, 2021 10:52 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 5944

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: 90
Views: 7883

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: 2311
Views: 274241

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: 1593

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: 282
Views: 21094

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: 3665

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: 7168

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: 243
Views: 16690

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: 3665

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: 96
Views: 6146

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: 282
Views: 21094

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: 3665

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: 3665

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: 243
Views: 16690

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: 3091

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: 9394

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: 255
Views: 25294

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: 448
Views: 56693

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: 17334

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: 3015

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: 12279

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: 3015

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: 7128

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: 48
Views: 5058

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: 448
Views: 56693

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: 448
Views: 56693

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: 22396

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 ...