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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: 54
Views: 3797

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: 10509

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: 4016

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: 5226

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: 2826

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: 2826

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: 2826

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: 2228

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: 2228

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: 2695

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: 1924

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: 2695

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: 2695

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: 1481

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: 2382

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: 1481

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: 4209

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: 3928

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: 1729

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: 2312

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: 1481

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: 1929

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: 2312

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: 2312

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: 2312

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: 1929

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: 630

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: 630

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: 2674

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: 2674

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: 2674

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: 2312

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: 1481

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: 8746

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: 8746

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: 1395

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: 3140

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: 2274

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: 3861

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: 8512

Re: Wanting to know if this financial situation is feasible

You cannot imagine the hells I've experienced, as so many of you seem to be living charmed lives and to that I say - congrats, enjoy. Consider yourselves lucky that you never had to worry every minute because you had no health insurance, or worry about how to make the house payment, etc. It has tak...
by boroc7
Wed Feb 19, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wanting to know if this financial situation is feasible
Replies: 73
Views: 4962

Re: Skip IRA for 1 year to buy engagement ring

Wow 2 pages of post over a less than $5k ring. ...If you were looking at a $20k ring I may slap you but I think you are well within reason. It's all relative, isn't it? If, e.g., you have $100k in student debt, want a $35k wedding, and make only $40k, $5k is very significant. I would hope the op in...
by boroc7
Wed Feb 19, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7340

Re: Skip IRA for 1 year to buy engagement ring

THAT SAID, I completely agree with other posters who are concerned by this comment: ... I'm afraid that if I sit down and talk to her about finances ... Discussing finances with a future partner is absolutely essential. Financial compatibility will have a big impact on your future happiness. Advanc...
by boroc7
Wed Feb 19, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 152
Views: 7340

Re: Do you balance your checking account?

What is this "check" and "checkbook" everyone is referring to?! What OS does it run?
by boroc7
Mon Feb 17, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4920

Re: Worth it to ditch Target Retirement fund? (24 y.o.)

Granular control? However, I can assure you that target retirement funds and their ilk who do daily rebalancing were rebalancing and buying equities on that dip. Thus, they have an advantage over folks who do not actually use their granular control. Interesting, I didn't realize managers rebalanced...
by boroc7
Mon Feb 17, 2014 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Worth it to ditch Target Retirement fund? (24 y.o.)
Replies: 21
Views: 1736

Re: Fighting about Flexible Premium Fixed Deferred Annuity

I just got off the phone for the second time with one of Fidelity & Guaranty Life's reps. Here's what I've learned: 1) His premium (nearly 200k), gains returns by two ways: 1-there is an S&P 500-based point-to-point return on 75% of his fund, and it's capped at 3.25% annually. There is actua...
by boroc7
Fri Feb 14, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: ? About Flexible Premium Fixed Deferred Indexed Annuity
Replies: 24
Views: 936

Re: Fighting about Flexible Premium Fixed Deferred Annuity

I have two questions: Do you know which option he took? [the second question was slightly rude, so I removed it] POINT-TO-POINT FIXED DECLARED RATE ON INDEX GAIN CREDITING OPTION The declared rate compares the value of the S&P 500 Index at the beginning and end of the one-year indexed crediting...
by boroc7
Thu Feb 13, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: ? About Flexible Premium Fixed Deferred Indexed Annuity
Replies: 24
Views: 936

Re: Fighting about Flexible Premium Fixed Deferred Annuity

I don't think my dad needs the income from this annuity--he is just very risk intolerant, doesn't realize all his sources of income are annuity-like, and he has no cash, nothing in equities, and little emergency fund. In that case, why would you want him to buy yet another immediate annuity? The $1...
by boroc7
Thu Feb 13, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: ? About Flexible Premium Fixed Deferred Indexed Annuity
Replies: 24
Views: 936

Re: Fighting about Flexible Premium Fixed Deferred Annuity

I just got off the phone with Fidelity & Guaranty Life, and it's definitely a Fixed Indexed Annuity (although what he's indexed it to I have to find out once he sends me a copy of his information page). However, one of the options that they do allow, is that after 5 years he can exchange this an...
by boroc7
Thu Feb 13, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: ? About Flexible Premium Fixed Deferred Indexed Annuity
Replies: 24
Views: 936
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