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Re: Women's Face Moisturizer/Lotion

Go to Bloomingdales and look around. You'll get good information, and will also get attention from a lot of attractive women, which is nice. No offense but this sounds horrible. The worst part of my semi-annual replenishment if my wife's Origins "A Perfect World" body moisturizer is runni...
by boroc7
Tue Jan 27, 2015 9:40 pm
 
Forum: Personal Consumer Issues
Topic: Women's Face Moisturizer/Lotion
Replies: 46
Views: 2831

Re: wife's purse

My wife has two Tumi purses: one large, one small. She uses them daily and they seem to hold up well. The sippers are sturdy, material is thick/heavy duty, and there are lots of organizational features. Looks fine...I think? :confused Great sale going on at Tumi right now. I just ordered my wife a ...
by boroc7
Mon Jan 26, 2015 3:16 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 33
Views: 2771

Re: Rental Car Prices - is this the new normal ?

Cost is largely a function of where and when you're traveling and competition. There can be tremendous variation. The car rental forums on http://www.flyertalk.com/forum/car-rental-programs-partners-392/ are worth browsing. Yes, the aforementioned LAX is probably the cheapest place to rent a car. L...
by boroc7
Sun Jan 25, 2015 8:45 am
 
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 53
Views: 3781

Re: Half off TurboTax thru Monday

The download is cheaper than the online--but what's the difference? I've only used the latter. How does state taxes work, do I have to pay more after the $50? Can I still import previous year data, and also access forms online later since its associated with my intuit ID?
by boroc7
Sat Jan 24, 2015 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Half off TurboTax thru Monday
Replies: 37
Views: 4246

Re: Would maxing a Roth and 401k each year be enough?

I would certainly hope so. I wonder, however, what if you took it from a different angle prior to 30--if one saved the maximum in their 401k and Roth from age 21 (roughly post college) to age 30, and then never saved again, would those early years get you enough by age 67? I'm thinking of our millen...
by boroc7
Sat Jan 24, 2015 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Would maxing a Roth and 401k each year be enough?
Replies: 17
Views: 2778

Re: How do I retire?

After getting all this great advice, I think I'm going to take a bit of time and go into work knowing there's no Sword of Damocles hanging over me. That in itself is somewhat freeing. I can say my piece and let the cards fall where they may. Ideally, I'd like to be laid off and get some sort of pac...
by boroc7
Sun Jan 18, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4701

Re: garbage disposals - are these still used?

Had it our whole lives, and last house. Our new home didn't have one and I was appalled. After a few months, I never missed it. Glad to not have it with kids around.
by boroc7
Sat Jan 17, 2015 3:12 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3672

Re: How do I retire?

Fly, my friend, fly. Free as a bird.
by boroc7
Sat Jan 17, 2015 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 4701

Re: Benefits of Second Home

I had to chuckle upon reading this. Of course I would enjoy an amazing home as described; it's about the expense not whether or not one would appreciate the space. And 30 minutes from primary residence leaves me scratching my head. My plans for a second home would be in a very different part of the ...
by boroc7
Fri Jan 16, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Benefits of Second Home
Replies: 35
Views: 3184

Re: Been out of market for 5 years, when get back in?

I have the same kind of fears. Trumping those, however, is the fear that by not investing, I'll never be financially independent, unable to support my children and be a burden on them in my later years.
by boroc7
Thu Jan 15, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market for 5 years, when get back in?
Replies: 25
Views: 3058

Re: Brokerage scams

.....I'll remind you what's often mentioned in this forum, google the headline and you'll be able to read it. Type "scammers target brokerage wsj" in google and viola. You're right, I knew that at one time. But had forgotten it due to advancing age no doubt. Thanks. It crossed my mind, an...
by boroc7
Thu Jan 15, 2015 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 965

Re: Brokerage scams

Good idea. Now, can I remind you - one has to be a paid subscriber to WSJ to be able to view articles online. Whatever you wanted to remind us of - maybe you could summarize it for me & others w/out subscription. I'll remind you what's often mentioned in this forum, google the headline and you'...
by boroc7
Thu Jan 15, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 965

Re: which Brokerage do you use...why?

What matters to me: 1) fees 2) interactive design and mobile services TD Ameritrade is competitive in the first (particularly for ETFs, which I started with when I was a poor young man), and imho they have the best designed website and trading platforms, mobile included. For me, it matters. I'm amaz...
by boroc7
Wed Jan 14, 2015 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: which Brokerage do you use...why?
Replies: 33
Views: 2464

Re: Rental Car Driver Not Authorized

Isn't the whole point of offering up various options, including the notion of authorizing drivers, all about another way the rental companies can charge you some fee?
by boroc7
Wed Jan 14, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Rental Car Driver Not Authorized
Replies: 36
Views: 3266

Brokerage scams

http://www.wsj.com/articles/scammers-target-brokerage-accounts-1420741344

I hope more brokerages enact better security processes. This has a few recommendations for clients that are obvious, but it can't hurt to be reminded.
by boroc7
Wed Jan 14, 2015 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Brokerage scams
Replies: 6
Views: 965

Re: Vacuum cleaner recommendation?

Really love our upright Miele! Much better than brother's Dyson animal that we tried out. I didn't think I'd want to pay for bags periodically (I'm cheap) but the expense is minimal and not dealing with the gross particles and dust is fantastic. Glides and turns very smoothly, although it is heavy t...
by boroc7
Sat Jan 10, 2015 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 11545

Re: What's in your car emergency kit?

I was asked about my emergency heating kit, and this video is essentially what I do--it's easier to watch than to explain. It costs almost nothing, except for the fuel. https://www.youtube.com/watch?v=ay7hc1juJEo I bought a couple paint cans from Lowes, in the pint size and gallon size. I use the pi...
by boroc7
Sat Jan 10, 2015 1:06 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4006

Re: What's in your car emergency kit?

I have a special heating kit that will last 48 hours or so, and keep the car warm. With little kids, it's essential.
by boroc7
Thu Jan 08, 2015 5:50 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4006

Re: Any men here get their wedding band on Amazon?

I bought my tungsten carbide wedding band on Overstock, not Amazon. Was happier with it. However, after all these years I don't think its a comfortable ring at all.
by boroc7
Wed Jan 07, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3700

Re: Can we afford to buy a home?

Would a ~$210k home meet your needs as a family? Skip the small "starter" home and go for the long-term. The transnational (and emotional) costs are too high. If a ~$200k house will not meet you needs, keep saving until you can afford one that will. Uh, starter home? That's median price f...
by boroc7
Wed Jan 07, 2015 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we afford to buy a home?
Replies: 41
Views: 3300

Re: What do you drive, and why?

We have a Camry that's some 10 years old. Has had no problems, but since having kids and living in a place with stronger winters, I keep thinking a lot about safety more than anything else. I don't want to spend the money, but should I get rid of it to buy a safer vehicle with EST, and a larger one ...
by boroc7
Tue Jan 06, 2015 1:01 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 190
Views: 15814

Re: What do you drive, and why?

I negotiated a good deal on an extended warranty but so far have not needed it. That's why most of us don't buy extended warranties. :happy Gill I wouldn't have done it for a Honda/Toyota, but when BMW turbo repairs can run up to $10K I decided it was worth $3K to insure. I'll let you know in two m...
by boroc7
Tue Jan 06, 2015 12:50 pm
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 190
Views: 15814

Re: Cancel Homeowner's Insurance?

Yeah what is going on there--why is your ins so expensive?
by boroc7
Tue Jan 06, 2015 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancel Homeowner's Insurance?
Replies: 106
Views: 6607

Re: Burglar Alarms and Monitoring Service

What I did last week while we were out, was leave my Dropcam on, with a thermometer in the corner so I could see the temperature. I'm not worried about break ins so much as the home temperature while we are away for a while, like if there was a prolonged power outage or something. I can call my neig...
by boroc7
Sat Jan 03, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Burglar Alarms and Monitoring Service
Replies: 13
Views: 1383

Re: Do you usually order (not-free) beverage at restaurants?

We know what Buffet would do; he loves his coke.
by boroc7
Sat Jan 03, 2015 8:58 am
 
Forum: Personal Consumer Issues
Topic: Do you usually order (not-free) beverage at restaurants?
Replies: 89
Views: 7631

Re: "Soft Retirement" possible?

Do what makes you happiest. This sounds so trite. But when I quit a job and career that I was miserable in, it was the best advice given to me by a friend. It's scary because you don't know for sure if it will make you happy--you just have that intuition and the extreme distaste for your current si...
by boroc7
Sat Jan 03, 2015 8:34 am
 
Forum: Personal Consumer Issues
Topic: "Soft Retirement" possible?
Replies: 29
Views: 4855

Re: Rental Property Pros/Cons

What could possibly go wrong? A coworker had non paying tenants in an apartment where heat and hot water were included in the rent. Following an eviction notice, the tenants turned on the water and opened the windows as it was winter. While they used the legal system to delay their actual forced ev...
by boroc7
Fri Jan 02, 2015 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Rental Property Pros/Cons
Replies: 48
Views: 4265

Re: Last year before retirement more about spending than sav

My in laws are retiring this year. They don't have a very large amount of 401k cash and maybe some 5k a month coming in from SS and pension, but are still planning to spend some 75k to remodel the kitchen and master bath that is coming from their salary in the final years. The house is paid off. It'...
by boroc7
Fri Jan 02, 2015 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Last year before retirement more about spending than saving?
Replies: 38
Views: 1925

Re: Should I even be in bonds?

itstoomuch wrote:Lost 35% in 2008 in a 60/40.
GL

Is that really how far it dropped at 60/40? I thought that AA resulted in a lot less of a drop. What were you holding?
by boroc7
Fri Jan 02, 2015 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I even be in bonds?
Replies: 40
Views: 3666

Re: Feeling a bit lost...should we buy a house?

I still thinking buying property is not a good idea. Keep investing for the long term but if you find out you will be back home in a few years, adjust your portfolio at that time to keep more money locked away so you can just pay cash for your home. If the market is way down at that time then just ...
by boroc7
Tue Dec 30, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Feeling a bit lost...should we buy a house?
Replies: 17
Views: 2893

Re: retirement spending covered by SS

basspond wrote:What the numbers show after 45 votes confirms that there will be a lot of folks who will be surprised that SS will not cover more of their expenses.

It's so easy to know what people will be surprised by.
by boroc7
Mon Dec 29, 2014 10:02 am
 
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2421

Re: When to sell, December or January?

livesoft wrote:Oh, you mean the "Santa Claus rally". Yep, that's works, too, … sometimes.

We did see a bit of a rally, so perhaps the OP would feel better about selling in 2014 as that would confirm his perceptions.
by boroc7
Mon Dec 29, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: When to sell, December or January?
Replies: 16
Views: 1609

Re: What % of net worth is your home?

Op, we are in a similar stage in life, and the SFH equity (haven't paid off much at all other than 20% down payment) represents some 18% of our net worth. It's LCOL, although incomes are low here, too, and our home's value is well over twice the median home value in the area. It's more house than we...
by boroc7
Tue Dec 23, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10940

Re: Do I Pay Cash for my home?

Going beyond just the financial considerations listed here, you both are of the same mind in disliking debt. With that attitude you have done extremely well. maybe getting used some debt now is a bad idea if it changes how you approach it in the future. You will still have plenty of reserves for any...
by boroc7
Mon Dec 22, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I Pay Cash for my home?
Replies: 49
Views: 3962

Re: Mac Users-evernote app

Been using it for a very long time on my OS X and iOS devices. I now only use word processors when I need to submit a document somewhere, but otherwise Evernote is my go to option, both personally and professionally. There isn't a better app out there. I often use these notes with my employees when ...
by boroc7
Mon Dec 22, 2014 9:20 am
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 16
Views: 2447

Re: Gas Prices ($1.99) in North Texas

Yesterday, I found a gas station in my area that I'd never been to, and my brother in law paid for the gas with his card. It was a prepay only and so he said how much, and I said just $30 since I didn't want him to pay the usual $50. The last time I had paid a week ago, it was $2.53. This time, $2.2...
by boroc7
Fri Dec 19, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3096

Re: How do you figure out the best location to buy a house?

13. 3 ways out of the neighborhood (in case fallen trees block the roads). In residential planning I've seen time and time again the most exclusive neighborhoods are designed to have fewer ways in and out of the neighborhood for privacy and less through traffic. Or better geographical positioning (...
by boroc7
Mon Dec 15, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3152

Re: How much is reasonable to spend on vacation?

Wow, we've got a unanimous vote on spending money for vacations on bogleheads. I wonder if it would've been the same in 2008. Travel vacations are important to me, but I have a hard time feeling like I can ever afford one, other than a weekend trip, regardless of my income level. Maybe it's because ...
by boroc7
Mon Dec 15, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much is reasonable to spend on vacation?
Replies: 30
Views: 2949

Re: Used Volvo S60 T5

Interested in hearing replies as I bought a new 2014 Volvo S60 T5 earlier this year. I wasn't really considering it but they had a good deal as it was being updated with a newer model. I had some reservation as Consumer's rated the reliability as average. I don't really know what that means as most...
by boroc7
Mon Dec 15, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Used Volvo S60 T5
Replies: 10
Views: 909

Re: Your Favorite Cookbook?

I like spicy food. :) For Mexican Food: Jeff Bayless Authentic Mexican. A beautiful book for its drawings and discussion of Mexican food and culture. I have 6-7 cookbooks in this cuisine (including all of Diana Kennedy's) and I keep on coming back to it. It is just excellent. It's Rick Bayless, of ...
by boroc7
Sun Dec 14, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5669

Re: How to teach young kids to be frugal?

Great question; I'm trying to figure this out. The thing I'm most concerned about for my children is the idea of delayed gratification. What I've done so far. I was picky about the right "bank", and wound up going to Walmart with the little one after she turned 3 to choose four medium size...
by boroc7
Sun Dec 14, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How to teach young kids to be frugal?
Replies: 65
Views: 4275

Re: What is a move-up car after mid-size sedan?

Carson, Having had two VW Passat wagons (2001 and 2008) in the past, I would love to go back to one, but they were phased out here in the United States after the 2010 model. :annoyed They are still offered in Europe and the 2015 version is absolutely beautiful in my opinion. I ended up with a 2010 ...
by boroc7
Sat Dec 13, 2014 11:53 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4167

Re: TD Ameritrade portfolio help

ETF's can be fine, it takes a tremendous amount of discipline to stay the course with something that can be "traded all day long". As others have mentioned, there are great commission free Vanguard ETFs, and you don't need the 2050 option. If you have a plan then ETFs should make no diffe...
by boroc7
Sat Dec 13, 2014 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade portfolio help
Replies: 15
Views: 946

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I had many years worth of savings when the crash of 2008 came sitting in a high interest savings account because I wasn't an investor then. Of course like many people back then, the industry I was working in dried up and I was laid off in early 2009. So I took advantage of the housing bubble after ...
by boroc7
Sat Dec 13, 2014 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 64
Views: 5768

Re: Your Favorite Cookbook?

The bread bakers apprentice by Peter Reinhardt.
by boroc7
Sat Dec 13, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5669

Re: What is a move-up car after mid-size sedan?

There are a lot of options! From the new i3 in an urban environment to all the cuvs that are so popular if size matters to you. If you just want a tad more luxury and size, why not the Acura RDX, which is well in your price range, has some power, and food mpg.
by boroc7
Sat Dec 13, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: What is a move-up car after mid-size sedan?
Replies: 63
Views: 4167

Re: friend has $70K; wants income from it

Without more info, it's hard to suggest beyond the basics. SPIA without knowing more.
by boroc7
Sat Dec 13, 2014 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: friend has $70K; wants income from it
Replies: 11
Views: 2175

Re: iPad Purchase - Online vs Store

It depends where online. But speaking store.apple.com vs the apple retail store, yeah the only difference is engraving. Oh, and at the Apple retail store they can help you set it up if you need that.
by boroc7
Fri Dec 12, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 1653

Re: Book suggestion for buying primary home

chuppi wrote:I want to read up on the topic. Thanks for your help.

davebarnes wrote:Read a lot
by boroc7
Wed Dec 10, 2014 8:42 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 906

Re: What is the best meal you've had at a restaurant?

I skip past all the fancy meals I've had in Napa Valley, LA, NYC, Paris, Kyoto, and go with the under $10 bowl of Honda Ramen (shoyu for those who want to know) on Tokyo Ramen St under Tokyo station.
by boroc7
Wed Dec 10, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: What is the best meal you've had at a restaurant?
Replies: 88
Views: 6944
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