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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 12:20 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Volvo XC-60 vs. Acura RDX
Replies: 14
Views: 852

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 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1707

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 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 3699

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 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1819

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 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2574

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 11:04 pm
 
Forum: Personal Consumer Issues
Topic: Considering buying a Plug-in Prius or a Volt
Replies: 40
Views: 2574

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 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2363

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 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2363

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 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2317

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 11:37 am
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3697

Re: First Timer

Please post the expense ratios on the funds you listed.
by boroc7
Mon Aug 11, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1970

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 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2439

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 11:31 pm
 
Forum: Investing - Theory, News & General
Topic: 403b Marketing
Replies: 11
Views: 622

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 11:24 pm
 
Forum: Personal Consumer Issues
Topic: Tropical vacation next winter with infant-where?
Replies: 40
Views: 2754

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 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10836

Re: Volvo Overseas Delivery - Any experience?

I almost did this a number of years ago, and the plan was that my friend would do the same with a BMW simultaneously. Then we'd cruise all through Europe. In the end you didn't really save anything, and there was the annoyance of making a few car payments before you actually even got the car back ho...
by boroc7
Mon Aug 11, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Volvo Overseas Delivery - Any experience?
Replies: 9
Views: 830

Re: Convince me I can make a dumb (car-related) purchase

EnjoyIt wrote:In my circle of people I know, there is a 7, an 8, and an 11 year old Audi that are all daily commuters and still run fine.

Amazing, I wish all cars lasted that long.
by boroc7
Mon Aug 11, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Convince me I can make a dumb (car-related) purchase
Replies: 56
Views: 4243

Re: Minivan time! Opinions on 2013 Town & Country, Please

I do like the Toyota better, but it's very true that you can get a Chrysler minivan for much, much less. It just depends on what you're willing to pay for, so seems like a fair split. If you like the car, and are willing to take a slightly lower hit on reliability, then go for it.
by boroc7
Mon Aug 11, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Minivan time! Opinions on 2013 Town & Country, Please
Replies: 23
Views: 1996

Re: Rental Property vs. Selling

We have a property that's about the same price rental as what you think you would get. We maintain the landscaping as well as the pool, which we had just remodeled before renting it out. Pools are delicate things--there's no way I would trust the tenant to take care of it as it could quickly go to p...
by boroc7
Mon Aug 11, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property vs. Selling
Replies: 10
Views: 1071

Re: Where do you buy clothes?

That said, we had to visit five stores last weekend before we could get black shorts for DD for her soccer. Striking out were Wal*Mart, Ross*2 and Beall. The winner was Target. Athletic clothes are overfilling sports equipment big box stores such as Sports Authority, Academy (least expensive), Dick...
by boroc7
Mon Aug 11, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9102

Re: Rental Property vs. Selling

Sell sell sell! Don't fret about future appreciation. Your investments have the same (if not greater) potential, with the bonus of being liquid and less risk if handled right. The two year capital gains exclusion mentioned is another huge reason to do it now, especially when you've just lived in it ...
by boroc7
Sun Aug 10, 2014 9:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property vs. Selling
Replies: 10
Views: 1071

Re: Where do you buy clothes?

I've wasted so much money on clothes that were really cheap but I don't love. That includes buying ones that were not just perfect in size. Having learned that, if I really find something I love and fits perfectly, I'll buy it as long as it's under about $50--unless it's a specialty item like jacket...
by boroc7
Sun Aug 10, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9102

Re: Should i Buy a new car

Lafder wrote:the safety features of a 2015 are NO comparison to a 7+ year old Camry.

Can you please back that statement up? I'd like to see that data.

Op, this has nothing to do with finances, but you'd have my respect if you were able to avoid the showboating I see in hospital parking lots all the time.
by boroc7
Wed Aug 06, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3964

Re: What Used Car Should I Get for <10K

We have an 05 Camry and it is not only comfortable on 14 hour road trips, it's quiet. 4-cyl has enough power, and decent mpg. It's way quieter than my FIL's '06 accord, although of course you lose some handling/maneuverability because of it. If I wanted a little quieter I would move up to an Avalon....
by boroc7
Wed Aug 06, 2014 5:33 pm
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2470

Re: Should I open a 529 in MI?

Depends. How good is your 403(b)? This is simple math and you can evaluate it yourself. Assume $100 invested in the 529 and $95.65 in the 403(b), and grow them both for 18 years by the forward growth in equities less expense ratio of your S&P500 index fund. Say your 403(b) fund has 0.1% costs a...
by boroc7
Fri Aug 01, 2014 6:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I open a 529 in MI?
Replies: 4
Views: 422

Re: Huff Post: How Financially Literate Is the Investing Pub

So I probably should have gotten #10, but when are 401(k) contributions taxed (a)?
by boroc7
Fri Aug 01, 2014 6:41 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4618

Re: HUFF POST: How Financially Literate Is the Investing Pub

The good news is that I'm financially literate according to George Mason U. :D

The bad news to confess is that I missed #10 and #12. :oops:

And to end on good news again, I would have failed not that long ago before I started studying up and reading on this forum.
by boroc7
Thu Jul 31, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Huff Post: How Financially Literate Is the Investing Public?
Replies: 52
Views: 4618

Should I open a 529 in MI?

We have been thinking a lot about how we might afford college for our little ones when the time comes. Reading the wiki and other posts, I had concluded that putting away as much money into retirement and particularly our Roths would be the best way to be ready for college expenses considering we do...
by boroc7
Thu Jul 31, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I open a 529 in MI?
Replies: 4
Views: 422

Re: Whether or not to file an insurance claim

Long time update, but I was able to short sale the property this past month. What a relief. I consulted with a law firm about going after either the tenant or manager, but with the major expenses that go with it, the risk-reward factor seems to have little upside potential. I have two years to decid...
by boroc7
Thu Jul 31, 2014 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Whether or not to file an insurance claim
Replies: 16
Views: 1470

Re: The Boglehead-prisoner’s dilemma.

gabylon wrote:Let us assume, for the sake of argument, that he has access to any kind of asset.

Any kind of asset--you mean that will fit in a box? How about plutonium?
by boroc7
Thu Jul 31, 2014 7:27 am
 
Forum: Investing - Theory, News & General
Topic: The Boglehead-prisoner’s dilemma.
Replies: 33
Views: 5429

Re: New smartphone - questions from a nervous upgrader

This is probably easy to you all but I am lost. The speakerphone on my blackberry failed today as well as the ring tone and voice but on way to Verizon store in a panic I slapped it and it is working. But I have to get a new one. I have to accept that I need a smartphone with touch screen - it will...
by boroc7
Thu Jul 31, 2014 7:21 am
 
Forum: Personal Consumer Issues
Topic: New smartphone - questions from a nervous upgrader
Replies: 42
Views: 3202

Re: Dilemma: Get more fuel-efficient car now, or wait?

Epsilon Delta wrote:Have you considered upgrading the tech in the Lexus? Depending on what your wife uses it could be as simple as replacing the eight track :D with a <$200 satellite radio, blue tooth included, but no steering wheel controls :( . You'd be ahead after less than 5 months.

+1
by boroc7
Wed Jul 30, 2014 5:06 am
 
Forum: Personal Consumer Issues
Topic: Dilemma: Get more fuel-efficient car now, or wait?
Replies: 16
Views: 1320

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Two of the reasons I settled on the Mazda3 vs other cars was the fact that I could use regular gas, and when I checked insurance rates, it was cheaper than some of the other slightly sportier cars I was looking at. One of the things I didn't like about Hondas, at the time living in CA, was that the...
by boroc7
Tue Jul 29, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3392

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

I test drove an ILX yesterday (I was just curious) and while it is a decent car, it is definitely under powered when equipped with 2.0 liter standard engine. I would recommend checking out Mazda 3, which is about the same size, better balanced and may be a few thousand dollar less than ILX with the...
by boroc7
Tue Jul 29, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3392

Re: Fresh Out of College - Advice Appreciated

Right now, I'd like some advice with what I should do with my current life insurance plans and disability. I am suspect of them, and would like to get out of them sooner than later if I don't receive any good affirmation about them. Any other ways to use money would be appreciated as well. I'm curr...
by boroc7
Sun Jul 27, 2014 11:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fresh Out of College - Advice Appreciated
Replies: 12
Views: 1198

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

I test drove an ILX yesterday (I was just curious) and while it is a decent car, it is definitely under powered when equipped with 2.0 liter standard engine. I would recommend checking out Mazda 3, which is about the same size, better balanced and may be a few thousand dollar less than ILX with the...
by boroc7
Sun Jul 27, 2014 10:54 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 49
Views: 3392

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: 6001

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: 6001

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: 2064

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: 6001

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: 6001

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: 4318

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: 2880

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: 2880

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: 2899

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: 26542

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: 11482

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: 7151

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: 5609
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