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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: 37
Views: 2232

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: 2916

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: 2859

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: 891

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: 60
Views: 4086

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: 4162

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: 4041

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: 894

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: 56
Views: 3726

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: 60
Views: 4086

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: 4041

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: 2127

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: 1618

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: 876

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: 6569

Re: Calculating return

Are there any spreadsheets, apps, or websites that do this kind of thing for you? I could build a sample spreadsheet for the Bernstein/Ferri method and make it available, if you wish. XIRR is already available as a built-in function is Excel and LibreOffice. That would be fantastic! Anything that i...
by boroc7
Mon Oct 27, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 35
Views: 3147

Re: Electronic lock experiences

This is the lock I'll be getting soon:
http://recode.net/2014/10/14/review-a-h ... so-simple/
by boroc7
Sat Oct 25, 2014 7:40 am
 
Forum: Personal Consumer Issues
Topic: Electronic lock experiences
Replies: 15
Views: 1842

Re: Calculating return

Are there any spreadsheets, apps, or websites that do this kind of thing for you?
by boroc7
Sat Oct 25, 2014 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Calculating return
Replies: 35
Views: 3147

Re: IPhone 6 and AT&T Contract Extension

Hi: I am on a AT&T family plan. I placed an order for IPhone 6 on September 12th. This is the first time I have purchased a phone from Apple. I chose to pay $199 for the phone and agree to 2 year contract extension. I was wondering what will happen to my family plan and the associated charges. ...
by boroc7
Wed Sep 17, 2014 7:46 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1267

Re: BEWARE - Phony IRS call from 202-750-1631

Good post. Yup, I've received two of these calls, and never picked up because I used to live in 202 and didn't know the number. They always left a voice message that is some automaton female telling me her "name" (sounded phony) and that she was with the IRS. Said I needed to call them. I ...
by boroc7
Wed Sep 17, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: BEWARE - Phony IRS call from 202-750-1631
Replies: 16
Views: 1789

Re: Any success stories of ppl who never made >$50,000?

This is a tough crowd to hang with if you are merely "middle class" which is too bad because the principles are the same. I have noticed several lower income first time posters that don't seem to come back after their first post. Agreed. I made <50k until about two years ago, and was able...
by boroc7
Tue Sep 16, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10414

Re: Macbook Air; how much RAM?

It doesn't sound like she will be a heavy user, but if she wants it to last for 5 years or so, I would say a minimum of 8gb. Four doesn't give you a lot of room. On my retina MacBook Pro I went for 8 two years ago, and I totally regret it--should've gotten 16.
by boroc7
Tue Sep 16, 2014 6:24 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3448

Re: bogleheads - can I scale it back?

I won't comment on the finances much, but I would just say a hearty word of celebration in your new child. Spending time with your child may be the most rewarding thing you will ever experience, so I wholly applaud your decision to cut back if only for what it will allow over the next few years. Fin...
by boroc7
Wed Sep 10, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: bogleheads - can I scale it back?
Replies: 34
Views: 4560

Re: Poll: Which iPhone 6?

Ford Mustang Shelby GT has 662hp, it can seat 4 people, and gets 24mpg on the freeway. Ferrari 458 has only 570hp, it can only seat 2 people, and gets only 17mpg on the freeway. So yeah, Mustang is better than F458. See my previous reply to cheesepep about how I don't think the car analogy is a sui...
by boroc7
Wed Sep 10, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3320

Re: Poll: Which iPhone 6?

I'm a big Apple fan and have had every iPhone since the verizon 4, but this new lineup and the Apple Watch look pretty weak. For the first time, I don't see any compelling reason to upgrade, especially since I prefer smaller phones. Maybe next year they'll make a legitimate improvement to the camer...
by boroc7
Wed Sep 10, 2014 7:51 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3320

Re: Drawing down a windfall...

How does one find the time to spend all that money? I'm retired, but it still takes time to decide on a painter, plan vacations, go on vacations, decide on remodelling, and shop. And sometimes you just want to lay in bed and do nothing, so that takes time, too. You have people. L. Or a wife:). More...
by boroc7
Sun Sep 07, 2014 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4296

Re: Vanguard Lost $50k

Missing 50k? I'd be packing a bag now and taking a drive to 100 Vanguard Drive,Malvern Pa. :happy LOL. me too. Man I'm loving all these folks who have 50K they could care less whether some one else loses it or not. but I'm not a high wage earner so 50K is almost a years salary for me. Yep, I would ...
by boroc7
Sat Sep 06, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10932

Re: buying a house in france

Thread title could be changed to collect more eyeballs, as in "How to move 6-figure amount of US$ to Euros in France with minimal fees?" +1. On the other hand, it might reduce the eyeballs as well. I was interested in reading about house purchase in France; have no clue how to transfer si...
by boroc7
Sat Sep 06, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: buying a house in france
Replies: 15
Views: 1638

Re: Should I fix a "totaled" car

Glad you walked away in one piece. Thank the little car for doing you that final service-- all those years it served you faithfully, and when the moment came, it did its duty. The final goal of a transportation vehicle is bring its pilot and passengers to safety. Challenger and Columbia, I weep for...
by boroc7
Wed Sep 03, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 38
Views: 3146

Re: Did you reveal to your kids...your savings and salary

Anything you tell your young kids soon becomes public knowledge. I never understood other kids who told their parents business to each other. I never talked about my parent's business and work, or any internal family stuff. I always just knew--how, I don't know, but I did. I also never asked or was...
by boroc7
Tue Sep 02, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 7329

Re: Getting on Track

hi Boroc, i came to the USA with Volkswagen, but they dont sponsor greencards, so i started working for a supplier since i want to stay ( it will take me 14years till i have citicenship) the taxes here are awesome ! everything here is cheaper except for 1 thing: good quality food! thats why we are ...
by boroc7
Tue Sep 02, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1624

Re: Help out family without compromising my own retirement?

Someone pointed out that cultural values may be in play here, and that’s correct. In the culture where I come from, adult children are expected to take care of elderly parents as well as siblings in need to some extent. Also in my culture you never kick out your family even from your own place, so ...
by boroc7
Mon Sep 01, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 72
Views: 6301

Re: Zwilling Cookware (non-stick)?

What do you cook? That determines my cadre of cookware. I don't care to use any of that kind of nonstick, as stainless works for 80% of what I do. When need to pan fry, my cast iron skillet and carbon wok are the best nonstick tools, and I have no fear of ingesting anything. They are cheap, and they...
by boroc7
Mon Sep 01, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 920

Re: Getting on Track

Sid, welcome to Bogleheads, and I'm glad to hear you are enjoying the U.S. I have several very close friends in Germany and one who just moved here this summer, so yesterday we had good conversation about the differences that are fun to talk about. Just taking a guess, but Volkswagen plant in Ooltew...
by boroc7
Mon Sep 01, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting on Track
Replies: 14
Views: 1624

Re: My husband's " WILL", $ left for me to live on....

OP, I sympathize greatly with your situation (to an extent) and I have read the many responses above, many of which are excellent. I have 2 questions for you and only you can answer them. I ask these not out of callousness but rather because they are the ones that are obvious to me as a man who has...
by boroc7
Sat Aug 30, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 18227

Re: 2015 Volvo XC-60 vs. Acura RDX

My brother has an RDX, and on driving it numerous times, I can't help but feel it's just a slightly nicer CRV. It's nice, but pretty plain too. It is definitely smooth and quiet, although Honda /Acura rides harsher than I like if you don't have smooth roads everywhere. It's reliable, but for the pri...
by boroc7
Thu Aug 21, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 21
Views: 1620

Re: Help with investing for children

For birthday money, and assorted gifts over the years, which are unlikely to be more than a few thousand over the years (my kids tend to spend the 100 they have gotten for birthdays on special toys or games) I got them bank accounts at my bank. When they got older I was able to add a debit card tha...
by boroc7
Mon Aug 18, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1768

Re: Is buying two SUVs a sane/good financial move?

I will reiterate some of the earlier advice: 1. Taking a driving course could increase safety more than any other single change. 2. The newer (2012 or newer) cars have significantly improved their safety features. Electronic Stability Control (ESC) alone reduces fatality risks by more than a third ...
by boroc7
Sun Aug 17, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 4096

Re: Flood proofing a basement

Please don't drain your sump pump into the street. I have neighbors up the street who do that. My house is at the low point of the street. Need I say more? Okay, here's more: even with a swale now in my small yard, water still overflows the swale in heavy rains because of those yoyos. That turns pa...
by boroc7
Fri Aug 15, 2014 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1928

Re: Considering buying a Plug-in Prius or a Volt

She started the job/commute about 6 weeks ago. I trust her when she says the carpool lane would make a difference (albeit not a huge one, but still enough to prefer to be in it). The issue is that there is a limited number of HOV stickers available. I would hate to "miss the opportunity" ...
by boroc7
Fri Aug 15, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2908

Re: Considering buying a Plug-in Prius or a Volt

You had a similar/same post a while back. It doesn't sound like she started the job and commute yet? I think she really ought to spend a few good months doing the commute to know what that's like before obsessing over which car to get. It'd be a mistake to buy it before she really gets into the comm...
by boroc7
Fri Aug 15, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2908

Re: [Poll] How I Feel When I Think about Investing, etc.

So I'm hoping my vote will change over time. In a nutshell, I'm am so not liking this!! Full disclosure: I am very new to this. I do enjoy this website so I'm hoping I stick with it. 1) why do the powers to be make it so darn hard to understand. Really. I don't think I am a stupid gal but I've trie...
by boroc7
Fri Aug 15, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2481

Re: [Poll] How I Feel When I Think about Investing, etc.

No surprises considering it's likely answered by folks who like to spend a lot of free time on an investing forum. I didn't answer, because if the question only asked about how I feel about investing, I'd have said I find it interesting and pretty casual. But if you asked the question about how I fe...
by boroc7
Fri Aug 15, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2481

Re: Is the goal in sight? Should I relax?

My mother is one of the most happy and grateful people I know, less then $100k in the bank + SS. I was in a company workshop today run by a notable psychologist on the topic of resilience (related to stress management), and a key takeaway was that a sense of gratitude--essentially one's ability to ...
by boroc7
Fri Aug 15, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2409

Re: Motorcycle for short commute?

The heat seems to be your main problem. I don't have an answer for that beyond a cheap car, which you might only need liability insurance payments, but if I were in your shoes I'd be looking quite seriously at an electric bike, depending a lot on the actual commute and terrain. If it is indeed walka...
by boroc7
Tue Aug 12, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 67
Views: 4420

Re: First Timer

Please post the expense ratios on the funds you listed.
by boroc7
Mon Aug 11, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 2084

Re: Good place to park ~$500k for house remodel/teardown?

john94549 wrote:I'm not shocked at the amount, but am somewhat shocked that OP would risk the funds. Plop it in a savings account, pay the tax, relax.

I agree, I wouldn't accept the risk of a 10% hit for whatever possible minor gains in one year I might see.
by boroc7
Mon Aug 11, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2538

Re: 403b Marketing

I removed both the letter containing the broker's license number and the link to his personally identifiable information. Publicly making a claim against someone puts this forum in the middle of a legal issue and is not appropriate here. I'm not a lawyer, and am making a serious inquiry here: so do...
by boroc7
Mon Aug 11, 2014 10:31 pm
 
Forum: Investing - Theory, News & General
Topic: 403b Marketing
Replies: 11
Views: 656

Re: Tropical vacation next winter with infant-where?

Just got back from Asia traveling with a baby. I'm DEFINITELY NOT ready to do that again anytime soon. We sort of managed while we were going there, but on the way back, pure misery. And what we really didn't anticipate was how long it would take to adjust back to this time zone from Asia. It wasn't...
by boroc7
Mon Aug 11, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2959

Re: Renting forever: financial suicide?

Here we go again. My wife and I bit the bullet and bought in Sunnyvale in 1973 (for $43K). Sold in 1978 and bought in Lafayette (in 1978) for $180. Add a few zeros. We've been up and down the "assumed" property value ladder so many times it wants to make your head swim. Bottom line: if yo...
by boroc7
Mon Aug 11, 2014 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 11606
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