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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: 5475

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: 1371

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: 2570

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: 5113

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: 5113

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: 816

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: 816

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: 5939

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: 2932

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: 5939

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: 3070

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: 3070

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: 3070

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: 1117

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: 5601

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: 5601

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: 5601

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: 3506

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: 2304

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: 3506

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: 1574

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: 8753

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: 20020

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: 5299

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: 1199

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: 1199

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: 1699

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: 1699

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: 1699

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: 2334

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: 2334

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: 2334

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: 2334

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: 9145

Re: Washington DC Condo - Rent or Sell??

We sold our condo a couple of blocks north of 14th and U. We bought at the 2009 lows so decided it was best just to take our nice profit and pocket it. We were moving farther away, but the HOA's management company also manages a couple of rentals in the building, so renting wouldn't have been a prob...
by Cash
Sun Nov 02, 2014 7:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Washington DC Condo - Rent or Sell??
Replies: 7
Views: 923

Re: AT&T Mobile Users: Check your plans

The price war continues! For the $40 that I was paying for 2GB of data, I can now get 3GB! I don't think it happens automatically, so I just made the switch online. The website said that it was for a "limited time." I'm not sure why that would be the case, but I'd act quickly. The new deal...
by Cash
Sun Nov 02, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 9145

Re: How do you wash your car?

JoeliusZ28 wrote:you should be aware that Dawn strips 100% of any wax applied. If you just waxed a car the previous week and then wash it with dish soap, you've wasted your time/effort.


Exactly. I would not recommend dish detergent of any kind to wash a car.
by Cash
Tue Oct 21, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8183

Re: How do you wash your car?

This is fascinating. I assumed everyone washed their cars somewhat regularly. My dad always washed ours at least once a week growing up. I take our 2002 car to the car wash once or twice a month. I pay someone to hand wash the 2011 car once or twice a month. That said, it's almost pointless to get t...
by Cash
Tue Oct 21, 2014 6:02 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 8183

Re: Upgrading from Iphone 4s - 5s or 6?

I had a chance to play with both a 5S and 6 for several days. Initially I thought the 6 would be too big for comfort; I tend to wear the phone on my belt. After using both phones for a few days, I discovered that I really liked the larger screen and roomier keyboard. The size issue as a negative so...
by Cash
Sun Oct 19, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2422

Re: Do you every turn your smart phone off?

Only when I'm on a plane and don't plan to pay for wifi.
by Cash
Sun Oct 12, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Do you every turn your smart phone off?
Replies: 36
Views: 2074

Re: Slingbox to "Wire" TV two floors away?

I've found this to be a great solution to avoid rewiring the cable line in my living room:

http://www.amazon.com/dp/B009DHPUDI/ref ... 90_TE_dp_1

The transmitter is connected to my cable box and the receiver connects to the TV.
by Cash
Fri Oct 03, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 2422

Re: Good rubber covering for shoes in inclement weather?

I own both Swims and Totes. I highly prefer Swims because they are lined with a soft fabric. The Totes have no such lining (last I looked) and caused black marks on my shoes. My Swims have definitely prolonged the life of my shoes. Back when I lived in a colder climate, I would wear them frequently ...
by Cash
Mon Sep 29, 2014 5:09 am
 
Forum: Personal Consumer Issues
Topic: Good rubber covering for shoes in inclement weather?
Replies: 9
Views: 937

Re: iOS 8 update available today

I added a $99 upgrade to the 64GB version given I had to delete some pictures on my 5S in order to download iOS 8 @ 5+ GB That's also why I went with the 64GB version...16GB just doesn't cut it anymore. Too bad Apple didn't make the base phone 32GB. Or at least allow for a micro SD card for expansi...
by Cash
Tue Sep 23, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6129

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

Similar/same trade in is offered from Apple. You can sign up for any US carrier when buying a phone at an Apple store, AND get the coupon good for $200 +/- (Apple store credit) for your phone. I filled in the questions about our phones, and was told they give us $200 for each (one is a 16GB, the ot...
by Cash
Mon Sep 22, 2014 9:47 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

The AT&T promotion seems to require buying the iPhone 6 at an AT&T store with the iPhone in stock to get the $200. I have tried buying it on line, buying it on line at a store, nothing worked. There isn't an iPhone 6 or plus anywhere where I live at the moment. The promotion will probable e...
by Cash
Mon Sep 22, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

My iPhone 4s has a small crack on the top left. Would I still be eligible for the credit? Any insight would be appreciated. According to ATT: Eligible trade-in: eligible iPhones in good and fully functional condition. http://www.att.com/iphonetradein Seems like a crack should not preclude you as lo...
by Cash
Mon Sep 22, 2014 6:16 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805

Re: New Big iPhones - How to Upgrade Early?

Leif wrote:
“Now, there will be plenty of people who will pass on the iPhone … who find the iPhone too big.”

- The New York Times (January 9, 2007)

The iPhone Rumors Are Right…Finally


Nice throwback article!
by Cash
Mon Sep 22, 2014 5:22 am
 
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 2329

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

So if I preordered my phone from Apple.com, am I eligible for the AT&T deal? Drat, I hope so. Would be reason enough to cancel the Apple.com order. I don't think it technically requires you to order from ATT if you are an ATT customer. When I traded in my wife's 4, I don't recall them checking ...
by Cash
Mon Sep 22, 2014 5:18 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

I believe these deals require you to at least be a postpaid customer so I don't think you can walk in and trade an old iPhone for credit towards a retail phone without at least having contact service with the carrier. If I'm wrong please correct me as I have an old iPhone 4 lying around that I've b...
by Cash
Mon Sep 22, 2014 5:16 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805

Re: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)

I currently pay $50/mo for AT&T 1GB data. Between AT&T and Verizon the cheapest comparable over a 24 month period seems to be $60/mo on Verizon for 2GB data. The equivalent to my existing 1GB AT&T data plan appears to be $65/mo. Doubling data for $5 savings per month seems like a reason...
by Cash
Mon Sep 22, 2014 5:12 am
 
Forum: Personal Consumer Issues
Topic: Get $200 for your iPhone 4 (or 4S or 5, $300 for 5S)
Replies: 18
Views: 1805
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