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Re: Help! Are we making a huge mistake?

After certain point, any additional amount of money you get does not increase your happiness (there are many studies that support this). If you have reached that point financially (and it seems that you have), then pick a career option that makes you happier.
by armeliusc
Thu Sep 18, 2014 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Help! Are we making a huge mistake?
Replies: 39
Views: 4904

Re: Do we plunder our retirement to pay off student debt?

Do you have sufficient emergency fund ? (however you want to define "sufficient"). Assuming that you do, I would do option 1: get rid of the debt as soon as you can, then redirect the freed-up cash flow to the retirement saving. Or you can choose to "purchase child-rearing time" ...
by armeliusc
Wed Aug 20, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Do we plunder our retirement to pay off student debt?
Replies: 30
Views: 2660

Re: How many Accounts do you log into and how do you manage?

My method for password is simple, but create unique password for every site I have to login to. I basically have three level passwords: 1. Secure, 2. Privacy, 3. Insecure. So I only need to remember 3 different passwords. Now, for each site I visit / have an account with, I categorize them into one ...
by armeliusc
Thu Aug 07, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: How many Accounts do you log into and how do you manage?
Replies: 52
Views: 2608

Re: average American eats out 203 times per year

I like this kind of question as I have the data to answer it :D . I had to login to my Mint.com account and did some querying to look this up. in 2013, the number of time I / we ate out: 12 occurrences when I was on travel for work 34 occurrences when we were on vacation 79 occurrences while we're i...
by armeliusc
Tue Aug 05, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6494

Re: Advice on getting a power adapter

You'd need an adapter that can supply at least 1 Amp at 6 Volts. Anything that is rated for more than 1A would work, in fact I'd recommend getting higher rated adapter. The device will draw however many Amps it needs (in this case, 1A max). You'd also want to get a decent quality one, as to avoid vo...
by armeliusc
Wed Jul 30, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Advice on getting a power adapter
Replies: 13
Views: 765

Re: Buying a car- 2011 Lexus IS 250 9k miles

Do you need / want a $27K car or would a less expensive, reliable car serve the need ? A good deal or not, if you don't need it, then you don't need it. For me $27K is a lot of money to spend on a car, especially if you don't need it. A brand new Honda Civic can be had for about $18K, for example, o...
by armeliusc
Thu Jul 24, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Buying a car- 2011 Lexus IS 250 9k miles
Replies: 27
Views: 2092

Re: Car insurance... do you include car rental?

No, I don't include car rental coverage. For me that's an over-insurance, as I can pay it myself if I really have to (self-insured). Plus now that there's another car (DW's), if one of the cars needs to be in the shop for a while we pretty sure can figure out a way to manage. Fortunately we haven't ...
by armeliusc
Fri Jul 11, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2208

Re: Car did not start: To dispose? How?

Sorry for your car trouble. More response below: The current problem could be with the battery, or the starter, or the engine. What happens when you try to crank the engine ? Does it crank at all ? Do the headlight turn on nice & bright ? If not then you may have battery problem (when was it rep...
by armeliusc
Mon Jul 07, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Car did not start: To dispose? How?
Replies: 70
Views: 5664

Re: 20 Year vs 30 Year Term Life Insurance for a 35 year old

Hi, The following threads ask similar questions: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=139644 http://www.bogleheads.org/forum/viewtopic.php?f=2&t=123528 In my case: I ended up getting two policies which turned out to be less expensive than one 30 year policies. The following po...
by armeliusc
Thu Jul 03, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year vs 30 Year Term Life Insurance for a 35 year old
Replies: 14
Views: 1285

Re: Silly to trade in new car for used?

There is something to be said with regard to "sunk cost". For example, you already paid for the sales tax and depreciation with the new car. If you sell and buy another used car, you'd pay more of those. Was it a mistake to get a new car ? Maybe. But that's a lesson learned. If you take a ...
by armeliusc
Thu Jun 05, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Silly to trade in new car for used?
Replies: 18
Views: 1341

Re: New vs. Used Honda CRV

I second the recommendation to buy new. If you are going to hold on to the car for a long time, the amortized prize different you save from buying slightly used is meaningless. However you get the advantage of knowing exactly the history of the car and can take a good care of it from the beginning w...
by armeliusc
Tue Jun 03, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 43
Views: 2916

Re: Monthly Budget Comparison

Here's what I have for 2012 and 2013 (averaged over 12 months). Criticisms / suggestions to trim this are very much welcome. Family of 2: Apartment Rent: $900 Renter's insurance: $12 Food & Groceries: $470 Eating Out: $125 Utilities (Internet, electric, cellphone, internt'l call): $150 Gas: $170...
by armeliusc
Thu May 22, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Monthly Budget Comparison
Replies: 86
Views: 4773

Re: Life Insurance Term Length; 20 vs 30

One thing you should consider is to get two terms, one with 20 year and another with 30 years. For example you can get $500K for 20 years and another $500K for 30 years, or $750K and $250K. This may turn out to be less expensive than a single 30 year term. The reasoning is that, unless you absolutel...
by armeliusc
Wed May 21, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Term Length; 20 vs 30
Replies: 9
Views: 598

Re: Visiting Minnesota Suggestions?

Thank you for all the wonderful suggestions. ... do a day or two canoeing trip in the BWCA. ! Might want to look into the permits for a canoe trip. I think they only give out a limited number per day. Yes. Waste no time checking this out. Very possibly everything is taken already, but I am not inti...
by armeliusc
Sat May 17, 2014 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2210

Re: Timing Belt Change - Months or Miles if car is old?

I have a '96 Honda Civic - what $3,500 in "regular" maintainance MUST be done per your "car check up"?. Please list. Are you completely overhauling your Honda Civic? Something sounds terribly wrong with that quote. Was a paint job thrown into the mix? Oh! I see now - it was a &q...
by armeliusc
Fri May 16, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 7519

Re: Timing Belt Change - Months or Miles if car is old?

I resurrected this post when searching for info that included timing belt. My problem is that I have this to do along with other maintenance items per my car check-up that total about $3500 on a 2002 Honda Civic with 143,000 miles. I am wondering if I should put the money into a new car instead. An...
by armeliusc
Fri May 16, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: Timing Belt Change - Months or Miles if car is old?
Replies: 81
Views: 7519

Re: Visiting Minnesota Suggestions?

Thank you for all the wonderful suggestions. There are certainly way more then what we can do in a week. Based on these suggestions we decided to stay for several days in the North Short areas to explore the trails / parks, and then do a day or two canoeing trip in the BWCA. We can then make stops a...
by armeliusc
Wed May 14, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2210

Re: Int'l wire: Service providers? How fast?

I use Citibank. If you are going to do this quite regularly, it may worth it for the recipient to also have Citibank account in Korea. Then you can use their "Citibank Global Transfer" service for free. This is what I've been using; in fact I set up Citibank saving account only for this pu...
by armeliusc
Wed May 14, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Int'l wire: Service providers? How fast?
Replies: 16
Views: 983

Re: Visiting Minnesota Suggestions?

Wow, lots of great suggestions. Thank you very much. Especially appreciate the "local foods" suggestion (we always try go get those). We were thinking to go to Voyageur, then go across to Nanoboujou, Grand Rapais for the shore and probably visit the Isle Royale park and go back through Dul...
by armeliusc
Tue May 13, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2210

Visiting Minnesota Suggestions?

I have a chance to go to Minnesota in June for a business trip and decided to extend it with some vacation there with DW. We love to visit natural places, nat'l parks and the likes, but would also like to see some what Minneapolis has to offer. I'd appreciate any good suggestions from folks here for...
by armeliusc
Tue May 13, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2210

Re: 2nd bad trans Honda Accord - next car? Subaru?

Armeliuse: there is some NEW problem arising - not the transmission - I think engine related! So I'm a bit "gun-shy" but we could always get the extended warranty and trade in at 7 years. Yes, I understand that, and as I was trying to say: the NEW problem was with the VCM on Honda's V-6 e...
by armeliusc
Thu May 01, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 2932

Re: 2nd bad trans Honda Accord - next car? Subaru?

I wouldn't rule out another Accord if you like your previous Accord. The problem pointed out was several years ago and only on Accord with V-6 engine, so it's not generalization of all Accords. The 4 cylinder version is recommended by CR and has received good reviews in recent years. Honda basically...
by armeliusc
Thu May 01, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: 2nd bad trans Honda Accord - next car? Subaru?
Replies: 46
Views: 2932

Re: Kitchen Stand Mixer Suggestions

I bought my wife KitchenAid Professional 600 series Stand-mixer about 5 years ago. It turned out to be one of the best investment I ever made. DW had been making bread regularly prior to that, and had ruined a couple inexpensive mixer (the only ones we could afford before since we were in grad schoo...
by armeliusc
Mon Apr 28, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Stand Mixer Suggestions
Replies: 30
Views: 4216

Re: 2003 Accord - 2nd trans going bad - invested $$

BTW, I know a good "boglehead" (and I am "in training") would not be so attached to their auto, but I swear - the older ones have character, I have cushy leather seats and the tortoise shell finish (I forget what they call it - burled?) on the dashboard. The new ones are so chea...
by armeliusc
Mon Apr 28, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 4765

Re: 2003 Accord - 2nd trans going bad - invested $$

2003 Accord Owner's Manual stated that Transmission fluid to be replaced at 120,000 Miles. So even if you did not replace transmission fluid at all yet, it seems that you're not really way overdue and can argue that. Furthermore, when they replaced the transmission at 44K, did they not also drain an...
by armeliusc
Mon Apr 28, 2014 3:42 pm
 
Forum: Personal Consumer Issues
Topic: 2003 Accord - 2nd trans going bad - invested $$
Replies: 39
Views: 4765

Re: Has anyone bought a smart TV rcently?

... it's a good tv. Just don't expect to sit down and watch Netflix under 30 seconds with it. Roku is much more reliable in my experience. That was my biggest fear with the smart TVs. They have started to put in so much junk in the software that the lag is bound to happen. Yes, I also shared your c...
by armeliusc
Sun Apr 27, 2014 11:37 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7908

Re: Has anyone bought a smart TV rcently?

I bought Samsung UN46EH5300 recently, the 46in version of one of your option. It is a very good TV in general. The software is however, just so so. When it works, it's great: Amazon, Netflix has really good picture on it with the built in software. However, the boot time is rather slow. And sometime...
by armeliusc
Sun Apr 27, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7908

Re: One Penny Tax Refund

... I collected more than $1 in change from various sidewalks and vending machine coin returns that folks left, so I guess I came out ahead anyways. How do you report the money you find on sidewalks on your tax return? Is it considered "earned income"? :D You report it on 1040 Line 21: Ot...
by armeliusc
Sat Apr 26, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: One Penny Tax Refund
Replies: 8
Views: 1624

Re: Boglehead used car problem. Run It or ditch it?

Would a 2004 Civic fall under that tranny block? I've actually never replaced my trans fluid before. Was tempted to do it here at 100k miles but wasn't too sure if I'd damage something by replacing it or leaving well enough alone. I don't know whether 2004 civic is under the same tranny block, howe...
by armeliusc
Mon Apr 21, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead used car problem. Run It or ditch it?
Replies: 26
Views: 2524

Re: Just maxed 2013 Roth IRA. Should I max 2014 now too?

If it were I, I would max 2014 now too and just be done with it. Over your long investment horizon this small up and down fluctuation doesn't matter and just noise.
by armeliusc
Mon Apr 21, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Just maxed 2013 Roth IRA. Should I max 2014 now too?
Replies: 21
Views: 2967

Re: Luxury you can afford? Regrets?

I am considering something along this line. DW and I both play piano for fun. Not professionally or anything like that, but competent enough that we can entertain or play almost any popular song I want. But we don't have a piano in our apartment. I've been considering if we should get one (plus we w...
by armeliusc
Mon Apr 21, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Luxury you can afford? Regrets?
Replies: 8
Views: 1829

Re: Auto repair - "Threads getting thin in oil pan drain plu

This is not uncommon, especially on older car. Threads do wear out. However, if you have a trusted local mechanic, getting it replaced there would likely be less expensive than having it done at the dealership. This is not a major / complicated job so any competent mechanic should be able to do it.
by armeliusc
Thu Mar 27, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 2583

Re: Out the door price for new car

State tax, DMV inspection plates, etc vary across states and even counties, and they often depend on the price of the car (at least the sales tax does). So what you really need to compare is the price of the car + any dealer fee (doc fees, etc) to see whether or not you get a good price. These are t...
by armeliusc
Thu Mar 20, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Out the door price for new car
Replies: 30
Views: 3109

Re: Maximizing bonus on new credit card offers

If I am currently a primary card holder for a credit card (amex blue cash preferred, for example) and my wife has a card with her name but is under my account, does anyone know if she can apply for her own account as a primary cardholder and qualify as a "new" applicant? This would take a...
by armeliusc
Fri Mar 14, 2014 9:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Maximizing bonus on new credit card offers
Replies: 25
Views: 1612

Re: Joint or Separate Accounts? - Married Couples

We basically pool our income and have "joint" everything that can be joint account, and allocate a fixed amount per month (i.e. $100) for each of us to spend "with no question asked" in two separate account. I put the same amount to our Roth IRAs per year. I happen to make consid...
by armeliusc
Fri Mar 07, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 3886

Re: Tuition vs Retirement Accounts

Whichever approach you take you will be depending a lot on her future earnings so you should make sure that she has ample life insurance in just in case something happens to her. Once she starts working then you should also get ample disability insurance for her too. This is a fair point. She will ...
by armeliusc
Tue Dec 17, 2013 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tuition vs Retirement Accounts
Replies: 30
Views: 3015

Re: What percentage of your income are you saving?

We are 33, and we save about 45% of our gross to retirement accounts (401k, 457 + 2 IRAs) in the last two years. My employer contribute about 10% of salary at this point, which I can convert to pension after 5 yrs of employment. We rent, so no mortgate at this point. I was fortunate enough to get a ...
by armeliusc
Thu Dec 12, 2013 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12746

Term LifeRequest Too Much Info Through Agent ? (Midland Nat

I am in the process of getting a term-life insurance for myself and my wife through an agent from term4sale. The insurance company is Midland National. I've filled in all the application forms for myself and my wife. Now the agent came back to me requesting copies of Visa because we're not U.S. citi...
by armeliusc
Tue Dec 03, 2013 5:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term LifeRequest Too Much Info Through Agent ? (Midland Nat
Replies: 3
Views: 358

Re: Switch Entirely To Ally Bank?

They wanted an overseas wire transfer. From my bank, easy. From Ally? Ally does not provide international wire transfer, so if you ever need to do that, you'd have to have another bank. I ended up opening an online saving account at Citibank just for that, and their online service is really not the...
by armeliusc
Thu Nov 14, 2013 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Switch Entirely To Ally Bank?
Replies: 39
Views: 4564

Re: Exchange / Sell for newly used tires ?

Maybe you're hearing the tires because the rest of the new car is so quiet. You're going to feel bad if you buy new tires and the noise is the same or worse. Yes, you're right, as I said in my original post I can easily hear the tire becaue the car is quiet. Maybe I am just too sensitive, but when ...
by armeliusc
Tue Nov 12, 2013 10:41 pm
 
Forum: Personal Consumer Issues
Topic: Exchange / Sell for newly used tires ?
Replies: 19
Views: 1024

Re: Exchange / Sell for newly used tires ?

Thanks for the replies. I'll start calling some tire shops and see if any would trade with reasonable prices. I live in an apartment and has no garage, so unfortunately keeping the tires or selling them on Craigslist is not really an option for me; I have no way to haul those tires nor store them wh...
by armeliusc
Tue Nov 12, 2013 4:27 pm
 
Forum: Personal Consumer Issues
Topic: Exchange / Sell for newly used tires ?
Replies: 19
Views: 1024

Exchange / Sell for newly used tires ?

We recently acquired a new Civic for DW. We like the vehicle, except that I feel the road noise from the tires is rather obvious. Maybe I am just too picky, but I am comparing it to my 10 years old Civic that I still own and that has Michelin tires, and although the old Civic has more wind noise (pr...
by armeliusc
Mon Nov 11, 2013 9:58 am
 
Forum: Personal Consumer Issues
Topic: Exchange / Sell for newly used tires ?
Replies: 19
Views: 1024

Re: Scared of early withdrawal penalties

One way to look at this is to put everything in the tax-advantage account (401K, (Roth) IRA, etc) until you see in the horizon that you are going to need the money, then you reduce the tax-advantage contribution until you hit your saving goal to reach your more immediate need. For example, at some p...
by armeliusc
Mon Nov 04, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Scared of early withdrawal penalties
Replies: 14
Views: 1012

Re: Are BG Car Products useful ?

To those that say that what is recommended in the manual is not really needed, doesn't not doing them have an impact on the warranty ? Some dealers are less honest than others. They'd "recommend" all kind of thing. Those services don't impact warranty. Stick with whatever the manual says....
by armeliusc
Thu Oct 31, 2013 10:22 am
 
Forum: Personal Consumer Issues
Topic: Are BG Car Products useful ?
Replies: 27
Views: 2251

Re: Lawsuit Proceeds, Now What......

I would do the following in this order: 1. Pay off all debts 2. Establish an emergency fund, let's say 12 month of living expense. The easiest for now is just to put this in saving account. (You can do CD ladder, or I-bond later if you wish for the EF, but let's keep it simple for now). 3. Max out I...
by armeliusc
Tue Oct 15, 2013 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lawsuit Proceeds, Now What......
Replies: 45
Views: 4422

Re: CD Ladder Confusion...

The last time I checked in here someone suggested to me that I might want to start a CD ladder for the "second" 6 month emergency fund. Since I'm relatively young (32) I feel like I can accept a little bit more risk here so I have been looking into it. Now I'm finally at the point where I...
by armeliusc
Tue Oct 08, 2013 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1829

Re: Car Wax

I use Meguiars products. Twice a year I use Meguiars carnuba liquid wax, once in the spring for summer heat protection, once in the fall for harsh winter / road salt protection. Waxing doesn't "get the salt of", you need to just wash the car to do that, although if there's wax on the paint...
by armeliusc
Fri Oct 04, 2013 12:21 pm
 
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 2889

Re: Life Insurance Question (Young, Poor)

Hello If it were me, since you don't have any dependent right now, I'd probably not worry about life insurance and save the money instead. When you have a family that depends on your income, then you can re-asses the need (and probably should have some life insurance). Just for a comparison, look at...
by armeliusc
Sun Sep 29, 2013 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Question (Young, Poor)
Replies: 10
Views: 751

Re: When To Buy I Bonds and EE Bonds - Now or Wait?

Okay, so I've actually just bought $5K more I-Bond yesterday for my EF. Reading this, it looks like I should have waited a little while to see if the fixed interest rate is anything other than 0% in November. :oops: Since yesterday was a Saturday, it looks like my purchase won't actually happen unt...
by armeliusc
Sun Sep 29, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: When To Buy I Bonds and EE Bonds - Now or Wait?
Replies: 11
Views: 2540

Re: When To Buy I Bonds and EE Bonds - Now or Wait?

Okay, so I've actually just bought $5K more I-Bond yesterday for my EF. Reading this, it looks like I should have waited a little while to see if the fixed interest rate is anything other than 0% in November. :oops: Since yesterday was a Saturday, it looks like my purchase won't actually happen unti...
by armeliusc
Sun Sep 29, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: When To Buy I Bonds and EE Bonds - Now or Wait?
Replies: 11
Views: 2540
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