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Re: New vs. Used Honda CRV

Update:

I've been negotiating with three local dealers on a 2014 CR-V LX AWD. After some back and forth, I received a quote of $22,600 OTD (+sales tax only), and we are scheduled to close the deal on Saturday. Any advice on what to expect at closing?
by Ryebrook
Wed Nov 12, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

My best quotes thus far are: 23,203 for a 2014 25,200 for a 2015 The 2014 price is below invoice (23,947). There is a 3 mpg combined improvement in the 2015 vs. 2014 model. Over the long-term, this would negate the initial price difference. However, the 2015 doesn't seem like a "deal" at t...
by Ryebrook
Thu Nov 06, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

Thank you, Leesbro. You have been very helpful, as have the others.
by Ryebrook
Wed Nov 05, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

This may be a basic question, but now that I am leaning toward purchasing a new model, I thought I would pose it anyway. I have been checking out the True Car website, and it lists the range of prices that have been paid for the CR-V model I am interested in. Let's assume I try to shoot for a price ...
by Ryebrook
Wed Nov 05, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

Thanks POW...all good advice.

I think I may have overestimated the cost of a new LX AWD CR-V as well. Factory invoice is right around $24,000 on the model I am looking at. This makes buying new seem an even better choice.
by Ryebrook
Tue Nov 04, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

How would one calculate the total cost of ownership to compare this scenario:

2011 Honda LX AWD w/29,000 miles...assume a price of $18,500
vs.
2015 Honda LX AWD...assume a price of $25,000

For comparison sake, assume we would keep either car for 10 years. I appreciate any help on this.
by Ryebrook
Tue Nov 04, 2014 12:54 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

Yes, I know...I suffer from paralysis from analysis. I just want to make sure we get the best deal possible on this. I am surprised at so many advocates to buy new vs. used. I can't seem to get past the $7,000 price difference up front between the 2011 and 2015.
by Ryebrook
Tue Nov 04, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

UPDATE:

Currently considering a 2011 CR-V LX AWD with 35k miles, certified pre-owned, listed at $18,000 vs. a new CR-V, same package listed at $25,000. Would you all still recommend buying new vs pre-owned?
by Ryebrook
Mon Nov 03, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: My bank lowered my interest rate on my checking account

Check out Lake Michigan Credit Union...they pay 3% on up to $15,000 in a checking account...could open up two accounts if both spouse's wanted an account, so you could reach 3% on $30k pretty easily.

www.lmcu.org
by Ryebrook
Fri Aug 08, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: My bank lowered my interest rate on my checking account
Replies: 11
Views: 1310

Re: Rollover to 403(b), Roth or new IRA?

If I were to roll it over to the new 403(b), and in the future my wife leaves the employer, would I then lose the ability to roll it into a Roth (or backdoor Roth)? If there are no long-term implications between rolling it into the 403(b) vs into an IRA at Vanguard, I am leaning toward simply rollin...
by Ryebrook
Fri Jul 25, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to 403(b), Roth or new IRA?
Replies: 6
Views: 436

Re: Rollover to 403(b), Roth or new IRA?

Ok, so I would basically just be deciding between an IRA at Vanguard, or the 403(b) plan through the employer. Any other advantages to choosing Vanguard over the 403(b) plan or vice versa?
by Ryebrook
Thu Jul 24, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to 403(b), Roth or new IRA?
Replies: 6
Views: 436

Re: Rollover to 403(b), Roth or new IRA?

I was looking all over the plan website, but couldn't find any other fees.

The 401(k) and 403(b) are both traditional.
by Ryebrook
Thu Jul 24, 2014 2:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover to 403(b), Roth or new IRA?
Replies: 6
Views: 436

Re: New vs. Used Honda CRV

Thank you all for the substantial responses already! This board always comes through! My wife and I live in Michigan, and our area especially receives a lot of snow in the typical winter. This year, we had over 120 inches total, so we do receive significant amounts quite often. Also, this purchase w...
by Ryebrook
Wed Jun 04, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

Buy new! Did an edmunds TCO for 3 year old used vs new and wound up costing about same. New model is bigger AND gets better mileage. RDX is 6 cylinder CRV, and it does lack acceleration off the line. If you can swing the extra, consider it since you're keeping it for the long haul. I find the CRV a...
by Ryebrook
Wed Jun 04, 2014 7:15 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

edited
by Ryebrook
Tue Jun 03, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: New vs. Used Honda CRV

edited
by Ryebrook
Tue Jun 03, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

New vs. Used Honda CRV

edited
by Ryebrook
Tue Jun 03, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 76
Views: 6454

Re: Friend needs assistance with Student Loans

mnvalue wrote:I'm not sure how #2 is any less work than #3. It just costs more money.


I don't disagree!
by Ryebrook
Mon May 12, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 594

Re: Friend needs assistance with Student Loans

I think I will offer her a few levels of assistance that she can choose from. 1) finaid.org site...looks like it has all the tools one would need if she spent a little time working on it herself. 2) fee-only advisor...if she doesn't want to do the research, hire a fee only advisor to put a plan toge...
by Ryebrook
Mon May 12, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 594

Re: Friend needs assistance with Student Loans

I have no idea what the loan amounts are or through what channels she has them (federal, private, etc). I know it is a mix of different loans, however, and she just is overwhelmed with how to refinance them (if they can be refinanced), if any can be forgiven, etc. She's really just looking for advic...
by Ryebrook
Mon May 12, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 594

Friend needs assistance with Student Loans

I have a friend that recently graduated as a nurse practitioner, and is struggling to figure out how to best manage her student loans. Finance in general is overwhelming to her, and I offered to try to find her some help. I was fortunate to avoid student loan debt, so I am unfamiliar with the option...
by Ryebrook
Mon May 12, 2014 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friend needs assistance with Student Loans
Replies: 10
Views: 594

Re: Site to back-test portfolios?

Thank you!

That is EXACTLY what I was looking for. I appreciate the help!
by Ryebrook
Mon Feb 10, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Site to back-test portfolios?
Replies: 5
Views: 303

Site to back-test portfolios?

Is there a website recommended by Bogleheads to back test mutual fund portfolios? I'm simply looking for a site that would allow me to see a hypothetical return for multiple portfolios. For example, if I wanted to see what historical returns were for a simple 3-fund portfolio made up of VTSAX, VTIAX...
by Ryebrook
Mon Feb 10, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Site to back-test portfolios?
Replies: 5
Views: 303

Re: Car back up camera

The Gentex system is compatible with the vast majority of vehicles. You would likely need a dealer to install. It is not only available on OnStar packages. I personally prefer the camera display to be in the mirror...if you already have a navigation system in your car, however, it would make sense t...
by Ryebrook
Sat Dec 28, 2013 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Car back up camera
Replies: 22
Views: 1423

Re: Car back up camera

Here is the aftermarket provider for GNTX camera displays:

http://www.mitocorp.com/
by Ryebrook
Sat Dec 28, 2013 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Car back up camera
Replies: 22
Views: 1423

Re: Car back up camera

Gentex (GNTX) is the market leader in backup camera systems. They have an aftermarket division...I think they have close to 90% of the market.

http://www.gentex.com
by Ryebrook
Sat Dec 28, 2013 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Car back up camera
Replies: 22
Views: 1423

Re: Slice & Dice or Keep it simple?

Thank you for the reply. I have access to two small-cap funds in my 401(k), but both are relatively high cost. Baron Small Cap Inst'l (1.05) Dreyfus Small Cap Index Fund (0.50) - the better option Should I utilize the Dreyfus small cap, Vanguard Mid-cap, and Wells Fargo Advantage Index together in m...
by Ryebrook
Thu Dec 12, 2013 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: 401k help

edited
by Ryebrook
Wed Dec 11, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Slice & Dice or Keep it simple?

My current 401(k) is divided between two funds, which were previously the lowest cost index funds offered in our plan. It currently sits at: 70% WFIOX (Wells Fargo Advantage Index) gross e/r 0.36 30% DBMIX (Dreyfus Bond Market Index) gross e/r 0.41 My employer is going to be offering a new fund (new...
by Ryebrook
Wed Dec 11, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 856

Re: Term Life Insurance Basics

Would it be possible to construct a ladder similar to the following? In this scenario, we would take out an $800,000 policy for each of us, and then adjust down every 10 years as our needs changed. I took the best costs on Term4Sale for each of us individually, and took their sum for the annual cost...
by Ryebrook
Thu Nov 21, 2013 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Basics
Replies: 31
Views: 2358

Re: Term Life Insurance Basics

My thought on 25 years vs. 20 was that it would cover us through our child's college years. 20 years would only get us halfway through, but now that I have written that out, extending it to 25 years seems a little redundant.
by Ryebrook
Thu Nov 21, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Basics
Replies: 31
Views: 2358

Re: Term Life Insurance Basics

Thanks to all of your replies, I am close to making a decision on term life insurance. I am coming here for a little reinforcement that my plan will be sufficient to meet our families needs worst-case scenario. My thought is to insure both my wife and myself on a 25-year term policy for $750,000 eac...
by Ryebrook
Thu Nov 21, 2013 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Basics
Replies: 31
Views: 2358

Re: Term Life Insurance Basics

Thank you for the excellent advice. I had not thought about a ladder option of buying multiple policies in order to save a bit and manage the risk. Both my wife and I also have life insurance through our careers...mine is 4x annual earnings, and hers is 2x (both at no cost to us). We would take this...
by Ryebrook
Tue Nov 19, 2013 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Basics
Replies: 31
Views: 2358

Term Life Insurance Basics

My wife and I just had our first child last month, and I have been looking into term life insurance for us both. We both have similar jobs and incomes, and feel that at this point in our lives, term life in the amount of $500,000 each would be sufficient. We would likely insure ourselves for 30 year...
by Ryebrook
Tue Nov 19, 2013 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Basics
Replies: 31
Views: 2358

Appliance Protection Plans - Are they worth it?

I just received a letter/solicitation from my local energy provider, DTE Energy. They offer a service called HPP Ultimate Protection Repair Plan, where the costs of repair/replacement of major household appliances is covered. According to the letter, covered appliances include Furnace/Central Air/Wa...
by Ryebrook
Tue Nov 19, 2013 8:35 am
 
Forum: Personal Consumer Issues
Topic: Appliance Protection Plans - Are they worth it?
Replies: 9
Views: 902

Re: Smoke detectors chirping

I would also recommend photoelectric smoke alarms over ionization alarms. They react better to slower, smoldering fires, which are the majority of fires. They also eliminate the false alarm problem caused by many types of smoke from cooking and steam from the shower. They are more expensive than the...
by Ryebrook
Fri Sep 20, 2013 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Smoke detectors chirping
Replies: 27
Views: 1912

Issue w/State of Michigan - advice needed

Hello, My Mother passed away in March 2012, and as her only son, I was the beneficiary of all of her accounts. I have been able to close everything out with one exception. She was a teacher, and had a pension with the State of Michigan. I was named the Refund Beneficiary on her account. I have been ...
by Ryebrook
Thu Aug 29, 2013 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issue w/State of Michigan - advice needed
Replies: 2
Views: 458

Re: Watch experts - I need some advice

I have been doing some more research, and found a couple of Citizen models that look like they are new additions to their line. They were not in the store today, but I am sure they could get them. Any opinions on these designs? http://www.citizenwatch.com/en-us/watches/watch-detail/?model=EO1110-53A...
by Ryebrook
Sat Aug 24, 2013 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Watch experts - I need some advice

Does she always wear white gold/platinum/silver jewelry? I prefer a watch with both white and yellow gold to blend with both major precious metal colors. Just for example of what I mean: http://www.amazon.com/Swiss-Legend-10034-SG-22-Diamond-Two-Tone/dp/B002MZYLUG/ref=sr_1_24?s=watches&ie=UTF8&...
by Ryebrook
Sat Aug 24, 2013 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Watch experts - I need some advice

Ryebrook, what a lovely gesture to mark this special time in your family for your wife. You might peruse the many options at World of Watches, where I've enjoyed great deals with good customer service and prompt delivery. Here's a link to their page for women's Citizen EcoDrive watches http://www.w...
by Ryebrook
Sat Aug 24, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Watch experts - I need some advice

The two watches are not quite the same size, are they? I would think one would fit on a wrist better than the other one depending on size of one's wrist and whether one wants a big piece of hardware on their wrist, a small piece of hardware, or a just right piece of hardware. OK, 27 mm vs 29 mm may...
by Ryebrook
Sat Aug 24, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Watch experts - I need some advice

The TAG has an ETA 7750 movement which is a really fine one and wholesales for about $500 alone. Must this be a surprise or could you let your wife (without knowing the prices) decide? There is a saying in the watch world that the best watch for you is the one you want. If you want to surprise her,...
by Ryebrook
Sat Aug 24, 2013 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Watch experts - I need some advice

I'm decided on a watch - it is something she has mentioned wanting in the past.
by Ryebrook
Sat Aug 24, 2013 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Watch experts - I need some advice

I have decided to purchase a watch for my wife to commemorate our first born child (due in October). I went to the local jewelry store today to get an idea of what some of the options would be, and came away with a few questions that I am hoping some unbiased watch aficionados on this board could he...
by Ryebrook
Sat Aug 24, 2013 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1153

Re: Life Insurance questions

Thanks for the advice Ole Meph. The point about how long she will be with her employer is a good one. As I mentioned, we are going to have our first child soon, so her future career path may be a bit uncertain. Knock on wood, both of us are healthy at this point, so hopefully we would qualify for th...
by Ryebrook
Fri Aug 09, 2013 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Insurance questions
Replies: 4
Views: 277

Re: Life Insurance questions

Thanks - it looks like a 20 year term guaranteed is running around $104 on that website. Given the similar pricing, is it really worth it to us to buy a policy through work, and then another policy on our own? I would assume there are some discounts on the higher policies?
by Ryebrook
Fri Aug 09, 2013 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Insurance questions
Replies: 4
Views: 277

Life Insurance questions

As a follow-up to the post I just made regarding my wife's 403(b), we also have the opportunity to buy voluntary life insurance through her employer. I was always under the impression that it is better to buy this on our own, outside of the free insurance offered by our employers (in my case 4x sala...
by Ryebrook
Fri Aug 09, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Insurance questions
Replies: 4
Views: 277

Re: Help w/new 403(b) investment options

Thank you for the replies. Is the consensus that I should market weight the stock portion of these investments? As for the additional fees, I looked up the Vanguard Institutional Fund as an example. Below are the fees listed: Gross Prosp Exp Ratio 0.04% of fund assets Net Prosp Exp Ratio 0.04% of fu...
by Ryebrook
Fri Aug 09, 2013 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/new 403(b) investment options
Replies: 4
Views: 269

Help w/new 403(b) investment options

Hello, My wife works part-time as a resource employee (in addition to her FT career). Recently, she was given the opportunity to participate in the 403(b) plan for her part-time employer. She has a pension through her main employer, and we also contribute to my 401(k), as well as Roth IRA's for each...
by Ryebrook
Fri Aug 09, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Help w/new 403(b) investment options
Replies: 4
Views: 269
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