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Re: Repair car vs. buy new vs. lease -- EV or not?

How much time would you save with the carpool/hov lanes? If you are a hot shot in Mountain View that alone may be worth the cost of the new vehicle due to the value of your time.
by awval999
Sun Jul 20, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Repair car vs. buy new vs. lease -- EV or not?
Replies: 16
Views: 1389

Re: Advice for how to fund my wedding

How is it possible to spend this much on a wedding? Are there not lower cost alternatives that are acceptable? What happens if you lose your job, will you and your DH be happy then that you whistled $45,000 down the wind? The OP clearly states the amount of this wedding is not up for discussion. An...
by awval999
Tue Jul 08, 2014 4:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2674

Re: Advice for how to fund my wedding

Option two. Sell high. Enjoy your gains. Enjoy your wedding.
by awval999
Tue Jul 08, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for how to fund my wedding
Replies: 54
Views: 2674

Re: Do you tell your kids how much you make?

I will preface my comments with the fact that I'm 28. To be honest I can't remember exactly the time period my parents discussed salary with me but I will guess that it was around the whole college application process/age 18 time. My parent's are traditional blue collar salt of the earth earners, th...
by awval999
Fri Jul 04, 2014 7:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5900

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

I'm 28. Just bought a 30 year. Recently married, breadwinner. No children yet. But I wanted to get preferred-plus rates when I still could. I have borderline pre-hypertension, my parents are unhealthy and any day something could happen to them which would wreck my rates. You could always split the d...
by awval999
Thu Jul 03, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year vs 30 Year Term Life Insurance for a 35 year old
Replies: 14
Views: 1246

Re: homeowners ins deductible

If you can afford the loss, take the highest deductible available. I've always done that with all types of insurance including homeowners, auto and medical. Over time it's cost me very little and saved me tens of thousands. Bruce Ditto, also eliminated physical damage coverage on autos after 4 year...
by awval999
Thu Jul 03, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: homeowners ins deductible
Replies: 7
Views: 780

Re: NY Yankees seats - best value?

I recommend Stubhub. The longer you wait the even better the values are, but then again you may not want to wait until day of.
by awval999
Tue Jul 01, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: NY Yankees seats - best value?
Replies: 12
Views: 912

Re: Choosing Insurance Carrier for Term Life Insurance

I just went through the process and chose TransAmerica. I too eliminated companies with B+ and A- ratings. TransAmerica was very close on rates to the other A- company I have my auto insurance with. Figuring I am making a 30 year commitment I went with TransAmerica. My agent doesn't sell TIAA-CREF. ...
by awval999
Mon Jun 30, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Choosing Insurance Carrier for Term Life Insurance
Replies: 8
Views: 848

Re: Convince me to visit Italy

The best food I've ever eaten has been in Italy.
by awval999
Sat Jun 14, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Convince me to visit Italy
Replies: 77
Views: 5325

Re: Frustration with medical providers

A lecture? If you get sick and have to go to the hospital you are at risk of losing everything you have worked your entire life for. Self pay hospital billing is outrageous and atrocious and accountable to no one. And the only people at risk of having to pay full price are people with savings. The f...
by awval999
Fri Jun 13, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Frustration with medical providers
Replies: 24
Views: 1737

Re: Peppy V6 With Good Fuel Economy

Probably a V6 Honda Accord
by awval999
Wed Jun 11, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Peppy V6 With Good Fuel Economy
Replies: 35
Views: 2968

Re: Avoiding the two house monster...

Doctev wrote:We attempted to split 50/50 and he declined.

Doctev


Figured. It's no risk to him. It's not his money. And he doesn't care. Welcome to the wonderful world of (censored) sellers.
by awval999
Sat Jun 07, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding the two house monster...
Replies: 21
Views: 2172

Re: Avoiding the two house monster...

Ask the seller how he wants to proceed. Be prepared to agree to split earnest money.
by awval999
Sat Jun 07, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding the two house monster...
Replies: 21
Views: 2172

Re: Avoiding the two house monster...

Had a similar issue buying a house, except it was electrical instead. Seller refused to sign mutual release. Realtor allowed seller to re-list house. He eventually sold. I sued him for the earnest money (for the release). He sued me for the difference of my offer and the accepted offer. A couple tho...
by awval999
Sat Jun 07, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Avoiding the two house monster...
Replies: 21
Views: 2172

Re: Demographics of Millenials and how that will affect retu

We may be delaying children and marriage but we are not delaying spending. Couples live together and buy houses or rent houses. Couples still travel, eat out, spend money, etc. Obviously the largest anchor weighing down millenials is our titanic student loan obligations.
by awval999
Fri Jun 06, 2014 5:45 am
 
Forum: Investing - Theory, News & General
Topic: Demographics of Millennials and how that will affect returns
Replies: 14
Views: 1853

Re: I just graduated, fiancee has one more year - Marry now?

Calm Man is stating the obvious. Sometimes, for things like weddings, and your marriage, and your future wife, you just have to give up the fact that you'll be saving the $4000 and do it the "right way". Getting married on paper? What is that? If you want to get married then fly to Vegas, ...
by awval999
Wed Jun 04, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: [I just graduated, fiancee has one more year - Marry now?]
Replies: 33
Views: 1161

Re: Getting out of large student loan debt

I don't know any medical field that isn't an MD that pays $150k starting, maybe nurse anesthetist. Are you sure you aren't over-guessing the salary? I am hoping it isn't pharmacy. You are talking to a pharmacist here.
by awval999
Sat May 31, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3514

Re: Getting out of large student loan debt

Planning to have a child the year she graduates from medical school post $300k in debt? She won't even be able to take FMLA as you need to have a year of employment first. You and your wife need to get your debt under control before you add a child imo. I'm not saying you need to be debt free by any...
by awval999
Sat May 31, 2014 7:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3514

Re: Any recommended rental car agencies in Cancun?

Do you speak Spanish? People typically don't rent a car and drive around Mexico for a variety of reasons. You stated that you are "vacationing South" of Cancun. Where exactly are you driving to? There are private transfer companies that can take you to your hotel from the airport. And priv...
by awval999
Fri May 30, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Any recommended rental car agencies in Cancun?
Replies: 3
Views: 338

Re: in-laws/student loans

Oh God, don't sign onto PharmD loans. And this comes from a pharmacist. Google around the internet and look at the job market for pharmacists. It's not hot like it was. And it gets worse every year.
by awval999
Tue May 27, 2014 5:18 pm
 
Forum: Personal Consumer Issues
Topic: in-laws/student loans
Replies: 57
Views: 2483

Re: Ideas for dining inexpensively

My wife and I usually split an app and an entree. That will save some money.
by awval999
Mon May 26, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4449

Re: Pay off son's mortgage - need advice

A gift of over 100 k would involve you paying a gift tax. The lawyer was wrong (I think probably a miscommunication); 2nd mortgage can foreclose, but they won't bother if the 1st is underwater because they won't get anything. My guess is that they would be open to a settlement. That would put a mar...
by awval999
Mon May 26, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay off son's mortgage - need advice
Replies: 14
Views: 986

Re: Pay off son's mortgage - need advice

A gift of over 100 k would involve you paying a gift tax. The lawyer was wrong (I think probably a miscommunication); 2nd mortgage can foreclose, but they won't bother if the 1st is underwater because they won't get anything. My guess is that they would be open to a settlement. That would put a mar...
by awval999
Mon May 26, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay off son's mortgage - need advice
Replies: 14
Views: 986

Re: Hotels and parking in NYC

Under $200 for a Manhattan Hotel room? Do you know where they are located? Such a cheap rate sounds like it would have a catch, especially during the height of tourist season in NYC. My brother stayed in a modest hotel on West 35th St. near Macys and it still cost him over $350 a night as I recall....
by awval999
Sat May 24, 2014 9:00 am
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1102

Re: What would be considered the best Boglehead car?

I know a lot of people that drove accords, civics, camrys and the like into the ground. Only 1 make it over 250k and that one had an engine replacement along the way. The rest all died out around 200k. I am sure some could have been revived but not many people want to sink 3k into 15 year old car e...
by awval999
Sat May 24, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What would be considered the best Boglehead car?
Replies: 43
Views: 4131

Re: Hotels and parking in NYC

We did priceline name your own price for an October weekend. Ended up at $150 for the Roger in Midtown, plus taxes and valet parking. So it was approx $225/all in, per night. Not bad at all.
by awval999
Fri May 23, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1102

Re: Hotels and parking in NYC

Drive into Manhattan after 9AM rush hour. Valet park with the hotel. It will be $50 or so. Enjoy the rest of your day. I did this in October, just not worth the hassle with the train, etc when you are only there for a short time. Of course if you were going for 2 weeks overnight parking is a huge wa...
by awval999
Fri May 23, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: Hotels and parking in NYC
Replies: 19
Views: 1102

Re: declining job due to travel

I would snap accept it. However, I'm 28, married with no children. And I love to travel. The title of your post is "Declining job due to travel". You have already made your decision. There is nothing wrong with not wanting to leave your family 4 weeks a year. But there will be someone who ...
by awval999
Fri May 23, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: declining job due to travel
Replies: 92
Views: 8938

Re: How much house should I buy? (young person with many ass

You obviously can afford a house. I would rent a house for a year. I'm currently in a rented house. It has made me realize several things that I want my purchase home to have. And several things I DO NOT want in my purchased home. So while I am spending money on rent, it has allowed me to the abilit...
by awval999
Fri May 23, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 5479

Re: I have too much for retirement???

I mean you don't know how your life is going to change from now until retirement. But yes, you are on the right track.

Are you posting this because you feel like you are denying yourself something saving the way you are?
by awval999
Mon May 19, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: I have too much for retirement???
Replies: 35
Views: 5692

Re: 2600 days of every dollar tracked

I'm 28 so I enjoyed your chart. I appreciate you coming out and posting the alcohol #4 and the amount. Truthfully, I'm probably there or higher. I recently made the decision to go from Jack Daniels to Evan Williams and Stoli to Smirnoff. I'm a craft beer drinker as well. It's kinda crazy to think ab...
by awval999
Sun May 18, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 5983

Re: Vehicle extended warranty: worth it?

We bought a new 2913 Toyota Camry a year ago and did not buy the extended warranty. We bought the car because of its low repair records and our good experience with Buicks. I.e. it covers the years from year 4 to 7, and during those years we had on one Buick no repairs, only maintenance, the other ...
by awval999
Sun May 18, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Vehicle extended warranty: worth it?
Replies: 15
Views: 1045

Re: SoFi Student Loan Refinancing

I attempted to refinance with them. Boggled my mind that they didn't offer me their best rate with a credit score in the 780's, six figure income, 4 years of on time student loan payments, etc, etc. I went for a fixed rate and not one of their variable rates. They offered me: 10 year fixed rate loan...
by awval999
Sun May 18, 2014 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: SoFi Student Loan Refinancing
Replies: 8
Views: 576

Re: Buying a new suit for a promotion

Fit matters more than price. I assume you are younger yes? Get a modern fit or slim fit suit. Get it taylored. If the $1000 coat and pants look baggy you will look worse than the guy with a form fitting off brand suit.
by awval999
Wed May 14, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2363

Re: Why do these people want to buy my home?

investor1 wrote:Your response letter says that you are not interested, but to make you an offer. That wouldn't seem to make the unwanted solicitation stop. I would think it would cause more to come. I'm surprised nobody has replied


Everyone has a price.
by awval999
Mon May 12, 2014 8:01 am
 
Forum: Personal Consumer Issues
Topic: Why do these people want to buy my home?
Replies: 24
Views: 4315

Re: What to see and where to eat in Barcelona

Loved Barceloneta beach. Half day there for sure. To avoid the line at Sagrada (which is a MUST see), buy a "timed" ticket through Ticketmaster. No line. We payed extra for the guided tour. We heard the same things about pickpocketers on the Rambla but didn't have any trouble. Wallet in fr...
by awval999
Sun May 11, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: What to see and where to eat in Barcelona
Replies: 29
Views: 2150

Re: I like the investment strategy , not really the lifestyl

Please understand you have stumbled upon an investing/retirement forum. Like all other internet forums there are world class "fill-in-the-blanks" here. Whether it is a travel forum, gardening forum, motorcycle forum, you will find posts from the world class 1%'s of that field. Yes, we do h...
by awval999
Thu May 08, 2014 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6612

Re: Any benefit to a prenup for us?

But yes, it was written by a lawyer. I suppose in your scenario I would use the prenup as leverage to settle out of court, without lawyers, and offer a lump sum one time alimony. Mostly I wanted to protect my 403b. May I suggest, based on 38 years as a member of the bar, that any agreement written ...
by awval999
Wed May 07, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3866

Re: Any benefit to a prenup for us?

The prenup can say anything. Doesn't mean it's going to be enforced if the time comes. Mine says, in a nutshell, my 403b and all future contributions and her pension and all future contributions will not be divided by divorce. That neither party can claim alimony. I had mine signed a month before t...
by awval999
Tue May 06, 2014 10:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3866

Re: Any benefit to a prenup for us?

The prenup can say anything. Doesn't mean it's going to be enforced if the time comes. Mine says, in a nutshell, my 403b and all future contributions and her pension and all future contributions will not be divided by divorce. That neither party can claim alimony. I had mine signed a month before th...
by awval999
Tue May 06, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any benefit to a prenup for us?
Replies: 59
Views: 3866

Re: caribbean cruise with children

Disney cruise and inexpensive are not compatible. You probably want a Carnival cruise if you want lowest cost. I've been on Carnival cruises with my wife, they aren't bad. We enjoyed it. Would recommend you choosing either My Time Dining or the earlier dinner time as the later dinner time is mostly ...
by awval999
Mon May 05, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: caribbean cruise with children
Replies: 29
Views: 1638

Re: Miami South beach

What's your age? Just FYI all my opinions are based on the fact that my wife and I are 28 and 26 years old. We really liked the Clevelander. We even got to go upstairs to the roof (perhaps we were a very attractive couple that evening) for an amazing view (and $14 drinks). We're not into the club sc...
by awval999
Sat May 03, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Miami South beach
Replies: 10
Views: 1011

Re: Advice on picking a financial advisor

Look. You need to pull off of this investment/financial advisor route you are on and get on the pay off your outstanding credit card debts first route. Pay off those debts first, do a little bit of reading on the wiki and via the Boglehead books for the future, and revisit this post in a year or two...
by awval999
Fri May 02, 2014 8:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on picking a financial advisor
Replies: 36
Views: 2037

Re: Why Vanguard?

imgritz wrote:Vanguard and Boglehead should be combined. Vanhead? Bogleguard?


It's a common misconception that one needs to use Vanguard to invest in a Boglehead manner. Nearly all leading brokerages offer index funds, some as competitive as Vanguard's funds. For example Fidelity offers the Spartan series.
by awval999
Fri May 02, 2014 6:17 am
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard?
Replies: 5
Views: 930

Re: 1st time home buyer considering 401K loan - Thoughts?

Well timed post. I'm planning on taking out a 403b loan for our down payment. Of course this is different areas of the country where houses are much less expensive. I plan on only using the bond portion of my 403b to use as a downpayment. Truly, if you keep contributing at the same percentage and on...
by awval999
Thu May 01, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1st time home buyer considering 401K loan - Thoughts?
Replies: 12
Views: 1271

Re: Accommodation for Road Trip on I-95

Savannah, GA is beautiful and surely deserving of a one night stop. Right off I-95. Just make sure you get a hotel or a boutique place to stay near the riverfront. Beautiful old houses on beautiful streets for a nice stroll. And I know this sounds weird but gorgeous old cemeteries. And cap off the e...
by awval999
Thu May 01, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: Accommodation for Road Trip on I-95
Replies: 26
Views: 3552

Re: Poll: Would you EVER recommend 100% equity?

That brings us to the second risk--the risk of a very serious crash. I noted several posts where responders mentioned a worst case scenario of a 50% loss. Where does it say 50% is the max loss? The second type of risk is not emotional, it is simply a crash far worse in depth or longevity than inves...
by awval999
Sun Apr 27, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Would you EVER recommend 100% equity?
Replies: 136
Views: 26836

Re: 30yo, just married, need some guidance

Life insurance is out. When I have a kid, yes; but not now. ! May I inquire why? I'm in the same boat as you, making multiples of income more than my wife. I am strongly considering life insurance because if something happens to me I don't want her having to go home to mom and dad with student loan...
by awval999
Fri Apr 25, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4892

Re: 30yo, just married, need some guidance

Congrats.

I just got married two weeks ago (28 yo).

I'd pay off your wife's student loans.
I'm figuring that since you are the breadwinner you probably need some term life insurance, depending on how you want your wife to live if something would happen to you (even before children).
by awval999
Fri Apr 25, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4892
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