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Re: Township replacing parking meters with kiosks. Is this

As someone who never has change, I was elated when my city did the same thing. You can even pay by app now, which would solve your convenience problem. Parkmobile seems to have cornered the parking meter app market, and it works very well.
by Cash
Sat Apr 18, 2015 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Township replacing parking meters with kiosks. Is this bad?
Replies: 9
Views: 488

Re: 10% Down 30-Year Jumbo Mortgages?

Prime - .25%
by Cash
Sat Apr 18, 2015 7:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 1802

Re: Mortgage rate lock in for a year

Until we decided not to build, we had a 1-year construction-to-perm jumbo loan with TD Bank at 3.875% (30 year fixed), which I think is still their quoted rate. Perhaps you should check them out. I think the origination fee was around $3k.
by Cash
Sat Apr 18, 2015 7:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage rate lock in for a year
Replies: 4
Views: 853

Re: 10% Down 3-Year Jumbo Mortgages?

I think you mean 30 year, not 3 year (in your title). I've seen 90% jumbo loans advertised. I'm going through a refi right now (or, rather, trying), and going with an 80-10 split to get to 90% overall. The second loan will be a variable rate HELOC, however. This also allows me to avoid PMI since th...
by Cash
Thu Apr 16, 2015 6:12 am
 
Forum: Personal Finance (Not Investing)
Topic: 10% Down 30-Year Jumbo Mortgages?
Replies: 10
Views: 1802

Re: Kitchen upgrade - granite selection help

+1 for quartz. If you're upgrading, might as well upgrade to the latest trend, especially if resale is an issue. We are currently undertaking a housing search, and when we see granite, we think, "This is a kitchen that will need updating within the next few years."
by Cash
Sun Apr 12, 2015 6:42 am
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4296

Re: Poll: What is the credit limit of your credit card?

I've kept mine intentionally low to minimize potential fraud damage, but credit bureaus don't see it that way. You wouldn't be on the hook for that anyway. Just discover it before your payment is due. This is why I never use debit cards, which shift the risk to the consumer (i.e., you're out of mon...
by Cash
Thu Apr 09, 2015 5:25 am
 
Forum: Personal Consumer Issues
Topic: Poll: What is the credit limit of your credit card?
Replies: 56
Views: 3438

Re: Should I worry about being taken to collections?

archbish99 wrote:Indeed. A better approach might have been to let them charge the card, then dispute the charge with evidence you attempted to give notice.


Agreed. Plus, charges can go through on a card even after it's "canceled."
by Cash
Thu Apr 09, 2015 5:21 am
 
Forum: Personal Consumer Issues
Topic: Should I worry about being taken to collections?
Replies: 20
Views: 2254

Re: Landscape designers

We recently engaged a landscape architect for new construction (yards plus courtyard with pool). Here is what was included: 1. Hardscape Plan: This is an overall study of the property to integrate the architecture of the house with the existing conditions of the site, as well as any ideas the Client...
by Cash
Sun Apr 05, 2015 9:02 am
 
Forum: Personal Consumer Issues
Topic: Landscape designers
Replies: 2
Views: 527

Re: Buying a house, not new, what to look for/wish you had

@Cash, your link is completely consistent with the "3 ways out of the neighborhood" point. Our area is filled with pocket parks, schools, and well-located fire stations. So one can have all those things with cul-de-sacs. I walked the dog this morning and we went to 6 different parks along...
by Cash
Sun Mar 29, 2015 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 2322

Re: Buying a house, not new, what to look for/wish you had

Contra to the cul-de-sac lovers, I would choose an older, close-in neighborhood with nice parks, a diverse housing stock, and no cul-de-sacs or gated communities. Makes getting to places (and responding to emergencies ) much faster and more efficient. And such neighborhoods just look better, IMO. Of...
by Cash
Sun Mar 29, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 2322

Re: 15 vs 30 yr mortgage

The downside/floor doesn't seem to be that low (someone earlier mentioned even in the last 15 year period, returns were 4%?) but the upside of your investments is high if the market returns a cool 8-10 percent. Right, over 15-30 years, it hopefully will not be very difficult to earn more than 4.x% ...
by Cash
Fri Mar 27, 2015 5:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 6186

Re: 15 vs 30 yr mortgage

As I typed points 6 and 7, I saw the light. The total price paid for the house is irrelevant. What's relevant is I now own the real asset along with savings account with 74k. Or in other words, to achieve the 74k benefit, I had to pay a higher price on the home. Ok, now that I know what I'm decidin...
by Cash
Tue Mar 24, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 6186

Re: 15 vs 30 yr mortgage

Cash, You are missing one more step. Remember the 30 yr is costing 85k more in interest at end of 15 years. So you have a net loss of 10k ( 85k--75k). I guess I'm not seeing the practical effect of that if the end result is a paid off mortgage under both scenarios. Doesn't the mortgage balance at t...
by Cash
Tue Mar 24, 2015 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 6186

Re: 15 vs 30 yr mortgage

Assuming a $401,295 loan, your calculations are right. 15 yr loan total interest = $97,534; 30 yr loan interest at the end of 15 yrs = $181,942; 8% RoI on the "monthly additional cash flow due to lower mortgage payment" of $941.16 is $327,849. In the 20% down scenario: your house value is...
by Cash
Tue Mar 24, 2015 5:20 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 6186

Re: Capital One seemed happy to lose me as a customer?

I have obtained and closed several cards over the past few years. I can't remember the last time I got a hard sell. On the other hand, I close most of them by sending a secure message these days. Again, no hard sell. But yeah, why would they beg someone who always pays the balance in full to stick a...
by Cash
Thu Mar 12, 2015 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Capital One seemed happy to lose me as a customer?
Replies: 24
Views: 4039

Re: Anyone ever use a closet design company?

We've used California Closets, Closets by Design, and the Container Store's Elfa system. California Closets is our favorite from a design and "they've thought a lot about small touches that make closets better" standpoint (for instance, the CA Closets valet bar has a hook at the end, which...
by Cash
Thu Mar 12, 2015 5:59 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1606

Re: Luxury Car

Coupe: Porsche 911, BMW M6, MB SL63 AMG

Sedan: Tesla S, Porsche Panamera, BMW M6 gran coupe, Audi RS7
by Cash
Sun Feb 22, 2015 7:50 am
 
Forum: Personal Consumer Issues
Topic: Luxury Car
Replies: 81
Views: 5846

Re: Going to Austin, TX in March. What should we be doing?

I was just there last weekend. My main focus was BBQ. In addition to Franklin's, I'd recommend La Barbecue. Much shorter wait (1-2 hours) than Franklin's (about 5 hours last Saturday). I would recommend trying Franklin's right before closing (2 p.m.). You will not be guaranteed anything, but there w...
by Cash
Sat Feb 21, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1462

Re: Graduating law student portfolio and loan questions

The main thing you give up by refinancing your loans is the potential for loan forgiveness. While your current salary is too high for you to take advantage of IBR/PAYE, there is a chance you could decide to switch to the public sector after a few years in biglaw. If this is a realistic scenario, it...
by Cash
Sun Feb 15, 2015 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Graduating law student portfolio and loan questions
Replies: 32
Views: 2730

Re: Home Buying the Boglehead Way (1st Time Buyer)

7. Picking a real estate agent isn't as big of a deal these days because all the properties available are listed on line with specs and pictures. Your agent is really only there to let you in the houses and process the contract paperwork. When selling your home they are much more integral to the pr...
by Cash
Sun Feb 15, 2015 10:04 am
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5351

Re: Home Buying the Boglehead Way (1st Time Buyer)

7. Picking a real estate agent isn't as big of a deal these days because all the properties available are listed on line with specs and pictures. Your agent is really only there to let you in the houses and process the contract paperwork. When selling your home they are much more integral to the pr...
by Cash
Thu Feb 12, 2015 6:28 am
 
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 5351

Re: WCI: Pay off mortgage early with equities "side account"

Were you investing in the EM fund with the specific intention of using the money in that fund to pay off your mortgage? I find this intriguing bc it's pretty much the opposite of the conventional analysis that you should place such funds in tax-exempt bonds that match the duration of the mortgage. F...
by Cash
Sat Feb 07, 2015 12:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: WCI: Pay off mortgage early with equities "side account"
Replies: 4
Views: 839

WCI: Pay off mortgage early with equities "side account"

Interesting post from White Coat Investor. He plans to pay off his mortgage early by investing in high-risk equities in a side account for the next 5 years. http://whitecoatinvestor.com/a-scheme-to-pay-off-my-mortgage-early/ At first, I found the idea intriguing. But then I thought 1) why have a sep...
by Cash
Sat Feb 07, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: WCI: Pay off mortgage early with equities "side account"
Replies: 4
Views: 839

Re: First Time Dog Owners -- Any Regrets?

This is a great site for dog food reviews: http://www.dogfoodadvisor.com/ Up until last year, we used Taste of the Wild's duck formula. Pricy, but high quality. But we had to switch to Hill's prescription diet food because of bowel issues our dog was having. Like toto238, I'm for whatever makes ever...
by Cash
Mon Feb 02, 2015 7:50 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6357

Re: tipping by iPad

I always use the custom tip amount on those things bc the suggested ones are invariably too high. Same for cabs. If you don't want to wait for me to enter my tip amount, adjust your defaults.
by Cash
Mon Feb 02, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: tipping by iPad
Replies: 40
Views: 3073

Re: First Time Dog Owners -- Any Regrets?

I agree with those who warn not to underestimate the potential money pit a dog can become. We love our dog, and therein lies the problem. Because we have grown so attached to her, and because we have good incomes, there's almost no amount of money that we wouldn't pay to make her better. Recently, s...
by Cash
Mon Feb 02, 2015 7:09 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 6357

Re: Paying off $1 million house in 10 years

I would take a 15-year mortgage instead of a 30-year. Then, in a 33% tax bracket, it's probably not worth paying the mortgage off any faster; investments in Long-Term Tax-Exempt Admiral Shares earn more than mortgage payments, with a similar duration. I made the same decision a year ago. I bought a...
by Cash
Mon Feb 02, 2015 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3172

Re: Paying off $1 million house in 10 years

Interesting responses thus far! To answer some questions: Are you likely to need to relocate for your job? That's always a possibility (we just relocated, in fact), but are operating under the assumption that we will stay in our current location indefinitely. If you are unlucky and have unforeseen e...
by Cash
Sun Feb 01, 2015 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3172

Paying off $1 million house in 10 years

I've read lots of the "should I pay off my mortgage" threads, but I think the numbers in this scenario might lead to different advice. Assume the following: A married couple in their early 30s are considering purchasing a $1m house with a 30-year, fixed-rate mortgage at 4%. After a 20% dow...
by Cash
Sun Feb 01, 2015 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3172

Re: Negotiating Price of New Construction Home with Builder?

What kind of builder are we talking about? Is this a builder with preselected floor plans and lists of upgrades you can choose from? Or is it a true custom builder? We are in the process of using the latter to construct a house. We are still in the early stages, but what we did was take a tour of a ...
by Cash
Sat Jan 24, 2015 8:02 am
 
Forum: Personal Consumer Issues
Topic: Negotiating Price of New Construction Home with Builder?
Replies: 9
Views: 1177

Re: Florida in the summer

But in Florida, you don't have to worry about nor'easters and slipping on ice and people not shoveling sidewalks, and...the list of winter misery goes on. That's true. But see if these names ring a bell: 1992 - Andrew 2004 - Charley, Frances, Ivan, Jeanne 2005 - Arlene, Dennis, Katrina (yes, that K...
by Cash
Wed Jan 21, 2015 7:01 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5698

Re: Florida in the summer

I don't consider temperatures up to 82 degrees as too-hot-and-to-be-avoided, and your chart seems to confirm my earlier statement that Washington, DC, is mostly fine in summer, except a couple weeks. If the same is true for Orlando, it's great for those living in Orlando and a useful contribution t...
by Cash
Tue Jan 20, 2015 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5698

Re: Florida in the summer

About 25 years ago, when living in Washington, DC, I went to visit relatives in Florida in the summer. The heat, bugs, and humidity were much worse than what we had in Washington. I didn't want to go outside at all. Funny, that was our experience last time we took kids to Washington DC in 2011. We ...
by Cash
Mon Jan 19, 2015 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 81
Views: 5698

Re: Fidelity Donor Advised Fund

If you transfer shares from a brokerage to a DAF I am assuming you need to keep in there for one year or NO ? I think your issue might be that you think the money continues to be yours after you donate. As stlutz noted above, that's incorrect. Once you donate, the money belongs Fidelity Charitable,...
by Cash
Sun Jan 18, 2015 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3689

Re: Wifi Thermostat??

Like others in the thread, I bought a Honeywell last year: http://www.amazon.com/gp/product/B00FLZEQH2/ref=oh_aui_search_detailpage?ie=UTF8&psc=1 I have had zero issues so far and it is fully programmable by an app on my phone. I considered Nest, but decided that I am too much of a control freak...
by Cash
Sat Jan 17, 2015 4:14 pm
 
Forum: Personal Consumer Issues
Topic: Wifi Thermostat??
Replies: 22
Views: 2367

Re: Fidelity Donor Advised Fund

Very easy if it's a well known charity, one already on their list. If not on their list already, it may take a few days or longer to process. Once I tried to donate to my local school, they sent a letter to the school to get some additional information and it got held up over a holiday so that one ...
by Cash
Sat Jan 17, 2015 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Donor Advised Fund
Replies: 50
Views: 3689

Re: How to sell a watch? (Breguet & Longines)

absolutFinance wrote:the community at Timezone is fantastic. I'd suggest posting in the brand specific forums for pointers on ascertaining value, then listing in the sale forums. I've transacted there before on a few occasions with excellent results


+1. I've bought and sold several watches on Timezone.
by Cash
Sat Jan 17, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: How to sell a watch? (Breguet & Longines)
Replies: 7
Views: 1660

Re: Would you buy Total World index if it had Admiral Shares

tj wrote:I know when VT first came out, folks were hesitant to use it because of low volume vs VTI and VSUX and the bid/ask spread...is that still relevant?


No.

https://advisors.vanguard.com/VGApp/iip ... daskspread
by Cash
Sat Jan 17, 2015 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 68
Views: 8995

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2402.30
by Cash
Sat Jan 10, 2015 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 20923

Re: Car Recommendations for about 25k

I drive a 13-year old Lexus IS 300 that has given me zero problems. I'd expect the 250 to perform similarly, though it's a bit underpowered. The BMW 3 series is a stalwart; there's a reason you see so many of them. But the A3 would probably be my choice. It's gotten great reviews. Here's a recent co...
by Cash
Thu Jan 01, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5444

Re: Vox: Why your brain loves procrastination

That's funny. When I do the same mental experiment, my older self (by 30 years) is always saying I'm going to regret being such a conservative ultra-saver and that I need to live life more before I become an old fart. I'm actually being serious. I would think that might be an issue for the Boglehea...
by Cash
Tue Dec 09, 2014 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Vox: Why your brain loves procrastination
Replies: 7
Views: 1216

Vox: Why your brain loves procrastination

Thought this was an interesting article, and they draw a connection to retirement investing: Recently we’ve been doing research that relates to the work on "present self"/"future self" because what’s happening with procrastination is that "present self" is always trumpi...
by Cash
Tue Dec 09, 2014 6:20 am
 
Forum: Investing - Theory, News & General
Topic: Vox: Why your brain loves procrastination
Replies: 7
Views: 1216

Re: Selling your old cell phone for cash

Do you have to delete all apps? Is there a security concern? +1 Selling a phone is a good idea, but I'd make darn sure you've fully wiped it. And I don't just mean manually deleting data. It's pretty easy to wipe the phone and restore it to the factory settings. Make sure you turn off Find My iPhon...
by Cash
Sun Dec 07, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1780

Re: Selling your old cell phone for cash

I've also been pleased with Gazelle. I tried selling my wife's old iPhone 5 through Amazon, but they rejected it for their "good" price. I then sent the same phone to Gazelle, and they promptly e-mailed me an Amazon gift card credit for the same amount as Amazon's "good" price (...
by Cash
Sun Dec 07, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1780

Re: Selling your old cell phone for cash

I've also been pleased with Gazelle. I tried selling my wife's old iPhone 5 through Amazon, but they rejected it for their "good" price. I then sent the same phone to Gazelle, and they promptly e-mailed me an Amazon gift card credit for the same amount as Amazon's "good" price (a...
by Cash
Sat Dec 06, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Selling your old cell phone for cash
Replies: 19
Views: 1780

Re: Custom House in Florida

Thanks! We went with the builder last night to tour a house they recently completed with a similar layout, and window placement/shading was one issue I brought up. He is confident that we can achieve proper shading to control afternoon temperatures. I rented a house in South Florida which had an old...
by Cash
Wed Nov 19, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 2348

Re: Custom House in Florida

You might find this link and videos interesting. A former Florida state representative who is now mayor of St. Petersburg lost his home to fire several years ago. (Sadly he lost his two dogs in the fire, too.) He and his family decided to build a LEED certified green home on their original lot. htt...
by Cash
Mon Nov 17, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 2348

Re: Custom House in Florida

Thanks for all of the replies so far! Start here http://www.fsec.ucf.edu/en/consumer/buildings/homes/windows/q_a.htm This was really helpful, as was the brochure linked to from that page. The glazing is causing me the most angst right now. Building with shading overhangs over the windows to block hi...
by Cash
Sun Nov 16, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 2348

Custom House in Florida

We are close to finalizing plans with a local design-build firm to construct a custom house on a corner lot in an established urban neighborhood in Central Florida. Think modern and minimalist with a good deal of glass in the living room facing the pool. We obviously want the house to be as energy e...
by Cash
Sat Nov 15, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Custom House in Florida
Replies: 11
Views: 2348

Re: AT&T Mobile Users: Check your plans

And T-Mobile's recent competitiveness is a direct result of the spectrum it acquired when the ATT merger failed. I, for one, am very happy that occurred because the price competition has been very good for consumers. That said, I'm sticking with ATT because I do travel to the boonies at times.
by Cash
Sun Nov 02, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 9299
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