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Re: Car for a long daily commute

I trust that you will be taking on a significantly greater share of the child-care and homemaking responsibilities. Also, what is plan B if she finds that the commute is so onerous that she's not willing to stick it out for another month, much less 12 to 15 months. Maybe spend an occasional night a...
by boroc7
Thu Jun 12, 2014 10:29 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: Car for a long daily commute

I intended on getting a TDI Jetta - ended up with a VW CC. Get something comfortable and quiet. I can't tell you how much happier I have been driving something that gets 30mpg and is fun and quiet over a 44mpg tinbox. The extra cost in fuel is only a couple of hundred dollars a year, but I find mys...
by boroc7
Thu Jun 12, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: TV - is wifi needed or desirable?

I got a 10-year old 16:9 HDTV in 30 inch in the family room. I am thinking of replacing it with a 55" to 65" TV. Undecided if I'll go LCD or Plasma. I am trying to decide if wifi is something that I need or is it desirable. Since I never had a TV with wifi, I don't know if it is or not. W...
by boroc7
Thu Jun 12, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: TV - is wifi needed or desirable?
Replies: 25
Views: 2023

Re: Car for a long daily commute

On an unrelated note, our mazda 6 does not have built in bluetooth; are there any good after-market systems you can recommend so that she can sync her phone while driving and make calls without using a BT headset or headphones? I've seen things that hang on the visors, but never thought their quali...
by boroc7
Mon Jun 09, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: Car for a long daily commute

I commuted 90 miles round trip in So Cal and it was long but doable only because of my route. But her route? Ouch. You obviously already know what that means so no point commenting about it. Without question, any advantages she can get with the HOV would "pay" off far more than simple mpgs...
by boroc7
Sun Jun 08, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: Should I buy the most expenisve house in the neighborhoo

I think it would be a good idea to estimate the fundamental value of the house independently of real estate prices in that area. The most expensive house in a neighborhood could still be undervalued and a great deal; alternatively, the most inexpensive place in the neighborhood could still be overv...
by boroc7
Fri Jun 06, 2014 11:52 am
 
Forum: Personal Consumer Issues
Topic: Should I buy the most expensive house in the neighborhood?
Replies: 39
Views: 4287

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 ...
by boroc7
Thu Jun 05, 2014 10:50 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 43
Views: 2809

Re: New vs. Used Honda CRV

It doesn't make a lot of sense to debate simply between new vs used, which I hear all the time. It all comes down to the exact price and car in discussion. There are some great deals to be had on a brand new model that would be a better deal in the long run than many a used car. Likewise there are p...
by boroc7
Wed Jun 04, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: New vs. Used Honda CRV
Replies: 43
Views: 2809

Re: What to do with $300k at 25yrs old? Is franchising for m

Try watching a few episodes of Shark Tank and http://www.cnbc.com/id/100788798 The Profit, to see the hard work folks put in to make it as a business and then think about whether that's a route you will be willing able able to successfully tread. And while you're at it, go watch Breaking Bad to see...
by boroc7
Sun May 11, 2014 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 2865

Re: New homeowner: lawn care advice

I guess I'm the only crazy with an electric mower. I have a 15Amp Greenworks that works like a charm, and is much quieter, cleaner, and efficient than my neighbor's gas mower. The cord is somewhat inconvenient, mainly because you need to use a really heavy gauge to carry the power and that adds weig...
by boroc7
Sun Apr 20, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26190

Re: The Boglehead Car -- What is It?

Toons wrote:
The Wizard wrote:Buy a brand new Honda Fit once the Escort wagon goes...


+5 :happy


-1
by boroc7
Fri Mar 28, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11369

Re: Costco vs BJs vs Sams Club

We shopped for years at Costco, and never thought a lot about it. Then we moved and now there is only a Sam's. I can't stand it and I realize now how good Costco's service was and more importantly their products are higher quality (I'm mostly talking food here). Then I discovered a few months ago th...
by boroc7
Sun Mar 09, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 6014

Re: Amazon 10% Fed refund bonus with TurboTax

Finishing up my taxes now--love this deal. I've never seen a safe, guaranteed 10% return. It's going to get my entire return, as I use Amazon enough to justify it. Do note that you have to choose the direct deposit option first (in case someone chooses federal refund via paper check) otherwise you'r...
by boroc7
Sat Mar 08, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon 10% Fed refund bonus with TurboTax
Replies: 30
Views: 5486

Re: Target Retirement Fund or Build your own?

If you're picking your funds based on the commission-fee, then you should do more research. Most of my ETFs are commission-free, but there are one or two that I pay commission on. If that stops you from buying the right fund based on your plans (we don't know what that plan is yet so can't comment),...
by boroc7
Thu Mar 06, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund or Build your own?
Replies: 32
Views: 3021

Re: Target Retirement Fund or Build your own?

Notably, once you hit the "Platinum Privileges" level of $50k under management, BOA stops being completely evil, and you get no-fee banking, a 1.5%-on-everything rewards Visa, and even a safe deposit box. So if you have a dollar in your BOA account and the rest of the $50k in Merrill, you...
by boroc7
Wed Mar 05, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund or Build your own?
Replies: 32
Views: 3021

Re: Target Retirement Fund or Build your own?

My Roth is at TDA--it's one of the best places to start one. Folks here commonly say to move your money to Vanguard but there is little reason to do so at this point for you. You're smart enough to see the commission free ETFs, so you're fine there, and the minimum deposits are next to nothing. As f...
by boroc7
Wed Mar 05, 2014 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund or Build your own?
Replies: 32
Views: 3021

Re: "Think, Act, and Invest Like Warren Buffett -- A Gem

boroc7 I wrote a sequel called Wise Investing Made Simpler Larry Thanks Larry. Most financial books I've shared with friends and relatives don't get read because they don't care for explanations, data, or math. I always thought if, like it's done in my trade, someone could take these concepts and c...
by boroc7
Fri Feb 28, 2014 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett -- A Gem
Replies: 17
Views: 2303

Re: "Think, Act, and Invest Like Warren Buffett -- A Gem

Daniel Thanks, fwiw, the book I'm most proud of is Wise Investing Made Simple--think it's the only book of its kind (at least that I'm aware of) that uses stories and analogies to make many of the concepts of financial theory that people often have a hard time grasping, much easier to understand Be...
by boroc7
Fri Feb 28, 2014 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Think, Act, and Invest Like Warren Buffett -- A Gem
Replies: 17
Views: 2303

Re: Concerns re: Relocating to Illinois (Chicago)

Thanks for the thoughtful responses. I definitely agree that any sort of major blowup would likely not be isolated to a state or region and that impacts would likely be felt globally. That is a big reason of why I posed the question, as I am unsure if there would/could be isolated regional impacts ...
by boroc7
Thu Feb 27, 2014 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2842

Re: Vacuum cleaner advice

I love our Miele "Jazz" upright and am about to buy the Miele "Titan" canister. We have personal preferences for both an upright and canister type vacuum. Excellent quality and great performance. Bought through local dealer and vacuum service company and they matched the online ...
by boroc7
Thu Feb 27, 2014 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 2142

Re: Concerns re: Relocating to Illinois (Chicago)

Chicago is not far from the Indiana state line. If you are concerned about owning property in Illinois, perhaps there is a location in Indiana that would meet your needs. Another possibility is Wisconsin. Jeff This is true, you can always live in Gary. :-). There are plenty of Chicago commuters as ...
by boroc7
Thu Feb 27, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2842

Re: Concerns re: Relocating to Illinois (Chicago)

Hi all, I was hoping that some more knowledgeable than I on potential fallout of state level fiscal crises can weigh in. My wife and I will likely be relocating to the Chicago area in a few months for family reasons and to pursue job opportunities that have come up. I am aware of the troubles that ...
by boroc7
Thu Feb 27, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2842

Re: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistake

One thing I'm not very happy about is the absence of large used book stores in the Orlando area. With family there, I'm down in Orlando a few times a year. Squat. Once made a pit stop in Gainesville where there's at least one used book store. Pretty much a disappointment--not worth a repeat visit. ...
by boroc7
Mon Feb 24, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistakes
Replies: 21
Views: 1615

Re: Kid on the way... Can wife stay at home?

Welcome! I would start by reading through the wiki (in the areas of inquiry) if you haven't already, you will find a lot of answers to the questions you posted. Congrats on the announcement, having little kids has been a great experience for us--and incredibly challenging. INCOME Me (31): $4,000/mo ...
by boroc7
Sun Feb 23, 2014 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2590

Re: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistake

Sounds like a good hobby. Speaking of used books, at some point you must've visited Powell's books in Portland? Biggest used book store I've ever seen, it's incredible. Haven't been there for a decade, but it sure left an impression. You would have a field day there.
by boroc7
Sun Feb 23, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistakes
Replies: 21
Views: 1615

How to convince family & friends to use Boglehead Method?

alec, that's a great story. Here's another story: After I had been on the 401(k) committee for a while and had gotten several Spartan index funds as options, I asked in a meeting if anyone had suggestions for the 401(k). One person asked a question, "I wish we had index funds in our 401(k).&qu...
by boroc7
Sun Feb 23, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4655

Re: Took the Plunge, Bought an Accord Hybrid

In my opinion the future of high mileage cars for the foreseeable future lies in turbo charged, common rail direct injection diesels, NOT battery assisted gas hybrids. All my hardnosed engineer friends agree. So I'm curious why you say only diesels? Mazda's Skyactiv engine is turbocharged, but non ...
by boroc7
Sun Feb 23, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Took the Plunge, Bought an Accord Hybrid
Replies: 45
Views: 4332

Re: Small Investors Jump Back Into the Trading Game

Because a 20 something has insight and research that no one else has. I have a feeling that this time will be different! I don't have access to wsj. Does the article make fun of young people? Millennialials actually have a lower risk tolerance than prior generations, so I'm not sure how this makes ...
by boroc7
Sun Feb 23, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Small Investors Jump Back Into the Trading Game
Replies: 30
Views: 1920

Re: Moving from midwest to Australia

pinecrest wrote:It's Saturday, February 22, 6:35 pm Sydney time.

Skippy is waiting for dinner.

Apparently animals across the globe know how to train their human owners. Good on ya, Skippy! :happy
by boroc7
Sat Feb 22, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2887

Re: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistake

Placed orders for the 2nd-to-last edition of both books mentioned. $4 for each including shipping. Agreed that AA concepts and basic strategy ought not change much. If I'm absolutely blown away by the first edition of Ferri's book then I'll purchase the latest edition. I rarely purchase the latest ...
by boroc7
Sat Feb 22, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistakes
Replies: 21
Views: 1615

Re: BOA credit card breach

Diane Rehm's show recently had some guests worth listening to on this very topic. She learned a few things herself:
http://thedianerehmshow.org/shows/2014- ... -consumers
by boroc7
Sat Feb 22, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 2540

Re: Moving from midwest to Australia

Internet is expensive compared to most of the world and slow compared to most of the world.

This is exactly what is said of the U.S.
by boroc7
Sat Feb 22, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2887

Re: Moving from midwest to Australia

A few points to consider about accepting any international move: 1) You will need to sell MOST of your possessions as the cost of moving them that distance is prohibitive. That means taking a loss for the most part. It will be very difficult to manage properties from 10,000 miles away. In my experi...
by boroc7
Sat Feb 22, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2887

Re: Moving from midwest to Australia

What a thread. Op, it's not an easy decision by any means, but if this doesn't help you find your way, then nothing will. I have to stop reading or else I'll start applying for jobs in Sydney.
by boroc7
Sat Feb 22, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2887

Re: BOA credit card breach

I am getting so fed up with this as it's such an invasion of normal living. I used to charge everything. I have adapted recently what one commenter said here: a gift card equivalent. Instead I just carry cash. So for anything now under $25 I use cash. And I have been threatened in restaurants that ...
by boroc7
Fri Feb 21, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 2540

Re: Tax-Inefficient Mutual Fund: Dump or Keep?

livesoft wrote:OK, I meant the three of us: Me, Myself, and I.

Sounds like a consensus to me! :happy
by boroc7
Fri Feb 21, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-Inefficient Mutual Fund: Dump or Keep?
Replies: 11
Views: 977

Re: Tax-Inefficient Mutual Fund: Dump or Keep?

We often advocate that one donate such a fund to one's Donor Advised Fund for charitable purposes, so that there is no tax hit and indeed a tax deduction. But see also: http://www.bogleheads.org/wiki/Paying_a_tax_cost_to_switch_funds Respectfully, I'm not saying it's bad advice, but is it really &q...
by boroc7
Fri Feb 21, 2014 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-Inefficient Mutual Fund: Dump or Keep?
Replies: 11
Views: 977

Re: Advice on Dealing with Underwater Rental Property

I contacted my realtor and she expressed confidence that if I sold this year I could probably get a value that's $20K higher than I had thought, so I will probably pull the trigger this Fall and put the house on the market. There is a psychic cost to being a reluctant landlord, and I would be much ...
by boroc7
Fri Feb 21, 2014 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Dealing with Underwater Rental Property
Replies: 33
Views: 2826

Re: Advice on Dealing with Underwater Rental Property

I bought in 2007 and am underwater $20k! We own, but still kind of stuck. Moving in the near future would be nice. The current strategy is to wait it out to minimize the blood letting. We'll drop $4k in unplanned repairs in Q1, so the hole may be getting deeper. :-) The only way I can make myself f...
by boroc7
Fri Feb 21, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Dealing with Underwater Rental Property
Replies: 33
Views: 2826

Re: Advice on Dealing with Underwater Rental Property

Have any of you had a similar decision/dilemma? If so, what did you do and do you have any regrets? Really sorry to hear about your property. I'm in a similar quandary with a condo worth a third of what I paid for it, and the renters recently trashed it out, including not paying rent for 9 months, ...
by boroc7
Fri Feb 21, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Dealing with Underwater Rental Property
Replies: 33
Views: 2826

Re: Moving from midwest to Australia

Sounds like you are thinking of the right variables financially, but since you will get a fair salary I don't think this is really a financial decision. Don't let that be your primary factor in deciding. I've spent time in Oz, and have worked with many Aussies here. One of my closest friends took a ...
by boroc7
Fri Feb 21, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from midwest to Australia
Replies: 46
Views: 2887

Re: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistake

All About Asset Allocation was the first investing book that really made an impact on my thinking and planning, so it holds a special place in my library. The second edition came after the recession and I only read through the initial sections that try to help those who were concerned the downturn s...
by boroc7
Fri Feb 21, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Which ed. of Ferri's AA book and WhySmrtPplMkBig$Mistakes
Replies: 21
Views: 1615

Re: What's the Appropriate Net Worth by % for a 27 year old?

I am in roughly the same position relative to age and net worth, and the odd thing is it feels decidedly average after reading a lot of posts here. Maybe that's because I don't usually take age into consideration. Or maybe the posts where someone has $2+ million by the age of 30 stick with me more....
by boroc7
Fri Feb 21, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 9226

Re: What's the Appropriate Net Worth by % for a 27 year old?

Most are not so fortunate. When I was 25 my NW was -220K and I had $300 in the bank. I walked for graduation on a Saturday and started work the following Monday because I needed the $ to pay the upcoming rent. My students would be thrilled if they all had a job they could start the week after gradu...
by boroc7
Fri Feb 21, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 9226

Re: Young Boglehead Starting Out

Op, you're a great saver and that's well over half the battle there, especially at your age. So congrats! FWIW, I've had both my Roth IRA and my taxable at TD Ameritrade for many years and I've been extremely happy. I prefer ETFs and they have a solid selection of 100 commission free ETFs, including...
by boroc7
Fri Feb 21, 2014 2:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Boglehead Starting Out
Replies: 15
Views: 1433

Re: Buying a 'loaded' vs stripped down vehicle

The last salesperson I asked about finding a base model with crank windows just laughed at me; she thought I was joking but I wasn't. Funny/sad story about crank windows nowadays. When some of the kids I coach (usually those in grades 4-8) see the window cranks in my truck, they will huddle around ...
by boroc7
Wed Feb 19, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Buying a 'loaded' vs stripped down vehicle
Replies: 52
Views: 3594

Re: Good Idea to Sell Old Home To Upgrade To Newer Home?

Long shot, but what about selling the house now, moving into an affordable rental (might be an apt), and then once you have your school/career/kids figured out in a few more years, buy what you know you'll need? Your wife can choose a rental she likes. Happy wife, new home, and no commitment. Edit: ...
by boroc7
Wed Feb 19, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Good Idea to Sell Old Home To Upgrade To Newer Home?
Replies: 33
Views: 2305

Re: Free 39-Week Subscription to Wall Street Journal

Never had any problems. WSJ will call you relentlessly after it ends but they do that with any subscription ending with them. If magazine companies (among others) allowed me to pay more so that they wouldn't call or mail me again should it expire, I would pay the higher rate. If they allowed me to ...
by boroc7
Wed Feb 19, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Free 39-Week Subscription to Wall Street Journal
Replies: 24
Views: 3955

Re: best tips for passwords?

Op, this will tell you most of what you need to know:

https://www.yahoo.com/tech/weekend-proj ... 67876.html
by boroc7
Wed Feb 19, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10177
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