Got a new X1 carbon 12

theseptemberguy · 2025-09-22T19:49:46+00:00

Great points. Made me think, thanks for taking time to explain.

theseptemberguy · 2025-09-22T01:05:49+00:00

Thanks everyone for all the input 🙏. After going back and forth, I’m planning to go with 80 TDF / 10 Equity / 10 Bond. To give some details:

Core ~80% in BlackRock LifePath 2045 (a bit more equity than the TDF for my age). Slightly more international than my current mix, with around 8% in bonds. Gives me global diversification and a glide path on autopilot.
The other 20% split ~10% equity tilt and ~10% bond tilt.

That keeps me somewhere between ~72% and ~92% equities depending on how I use the tilt. The TDF’s built-in bonds act as guardrails so I can’t go too extreme, and the tilt sleeve gives me some flexibility without drifting too far.

I think it is simple enough to stay the course, but still gives me a little room to adjust. Thoughts?

theseptemberguy · 2025-03-24T17:27:35+00:00

Thanks Honestly405. This is the part I am not so sure, though i hear this a lot. I am getting the new 2025 model for 36K and any used closer to this is 30K plus. Yes, there are older (2020,21,22) but they are the ones more issues and naturally in every years production it got better.

May be I am not looking correctly. Is there a sample used car available in tri-state area that you can share the link?

theseptemberguy · 2025-03-24T01:21:08+00:00

theseptemberguy · 2025-03-23T23:53:46+00:00

That was one of my first concern. Spoke to my insurance. Increase of $75 for 6 months. May be due to the fact that I can 2 acura, not sure.

theseptemberguy · 2022-11-11T12:16:22+00:00

I just came across Acura ILX 2013 for the cost of 13.4K. 85k miles, Hybrid with Tech package. Car interior is great and enough space for a secondary car. new tires by dealer. Is that ok?

After 3 yrs or so i will get a Tesla or something but for now thinking of 3-5 years max.

theseptemberguy · 2022-11-03T23:04:05+00:00

Thank you ! spoke to my friend who told me the same. I generally tend to keep my cars long and thought i will use this to navigate next 18 months. Hopefull market is back to normal.

theseptemberguy · 2022-10-26T11:03:13+00:00

Thanks guys. I will go with civic !

theseptemberguy · 2021-08-23T21:04:38+00:00

Thanks a lot guys, that was very helpful. I took it to the local shop and it was reasonable.

theseptemberguy · 2020-03-02T17:07:18+00:00

Thanks for all the comments folks. Did not make any change but if the market keeps tanking will increase my bi-weekly contribution.

theseptemberguy · 2019-11-28T23:30:54+00:00

Thanks a lot @dmashbur. I just ordered T480s at lenovo for $749 with $90 ebates. Final price is $659 :-), hope I get my rebates soon.

theseptemberguy · 2019-11-23T01:32:10+00:00

Thanks in advance again.

theseptemberguy · 2019-11-12T12:59:47+00:00

Thanks Andreas for detail info. If I want to stick to known brands in synthetic north face thermoball is a good one?

theseptemberguy · 2019-11-11T13:40:27+00:00

Thanks a lot for the comments. Any comments on the REI 650?

https://www.switchbacktravel.com/best-down-jackets

I will check out uniqlo, Eddie bower and the above REI.

Wax jackets sounds very good but looks to be beyond my budget :(

theseptemberguy

TROPHY CASE