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Re: Traveling by car - estimating costs

I agree with scifilover. Unless your personal car is a Jeep or truck that you don't like to drive on trips, why would you ever rent a vehicle to save a couple of bucks (assuming that were the case, which I doubt is true very often). I buy a car that I like, that I like driving. It has my stuff in it...
by deanbrew
Tue Feb 17, 2015 10:30 am
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1482

Re: Traveling by car - estimating costs

The simplicity of $0.575/mile sounds great to me! and I've figured about 40 to 50 cents per mile while the car is in good enough shape that I would take it on 1000 mile trips. That is with buying cheap cars and running them into the ground. No and no. You guys are thinking about the overall cost of...
by deanbrew
Mon Feb 16, 2015 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1482

Re: Traveling by car - estimating costs

I wouldn't bother trying to figure any of that out for a 1,000 mile trip. That's what cars are for. Were I to do so because I was curious, the only maintenance items I would factor in would be an oil change and tires, and these would amount to about 0.8 cents and 1.2 cents per mile, respectively, as...
by deanbrew
Mon Feb 16, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1482

Re: Private Car Sale - Risks ?

ubermax wrote:You like Jack's response but brought a gun :confused --- interesting !!!


It's not like it's the only time I had a pistol in my pocket. I have a fire extinguisher under my sink, and have never had to use it, either. But I am comforted that it is there.
by deanbrew
Fri Feb 06, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1824

Re: Private Car Sale - Risks ?

Stop being so paranoid. It's fine being careful, but don't spend your life cowering in a corner. That was my thought as well, but I live in a very safe area. I sold a car on CL a couple years ago, without a problem. I had to deal with several bogus/scam responses before I had a legitimate response,...
by deanbrew
Fri Feb 06, 2015 10:52 am
 
Forum: Personal Consumer Issues
Topic: Private Car Sale - Risks ?
Replies: 35
Views: 1824

Re: Tax implications of selling a condo furnished

I would bet there is little chance that the furniture has appreciated in value, especially if selling in bulk at one time. Much more likely, it has depreciated from the purchase price even if it was bought many years ago. Not a taxable event. You are smart to write a separate contract for the furnis...
by deanbrew
Tue Feb 03, 2015 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax implications of selling a condo furnished
Replies: 11
Views: 1062

Re: New car safety features

I have a deposit on the SUV version (Model X). That said, I hope there's an override to the response to speed limit signs. Our Volvo shows the speed limit, but I would hate a car that slowed down when a new sign popped up -- in NJ that's asking to be road-raged :D Can you set the speed limit sign a...
by deanbrew
Tue Jan 27, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3822

Re: New car safety features

I just bought an Outback with eyesight. Here's an IIHS study - https://www.youtube.com/watch?v=omHES8mqtW4 I believe that is Subaru's version 1 and version 2 has more improvements. Hopefully I never have to use it, but for ~$1,000 I consider it well worth it. It would be nice if insurance companies...
by deanbrew
Mon Jan 26, 2015 2:57 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3822

Re: New car safety features

I'm a big fan of technological improvements in safety, but I was reminded today of one easy and inexpensive safety feature that is missing or unused: having lights on (either daytime running lights or headlights). We are in the early stages of a blizzard in the NE, and I am once again disappointed ...
by deanbrew
Mon Jan 26, 2015 2:47 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3822

Re: New car safety features

I also think Honda is making a good move by having a rear backup camera standard on all of their new models. Honda isn't doing anyone any favors, cost for a backup camera is $110. All auto manufacturers are now required by NHTSA to have backup cameras as standard equipment no later than the 2018 mo...
by deanbrew
Mon Jan 26, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3822

Re: soundproofing walls

I am no sound engineer or soundproof expert, but I wanted to reduce noise transfer between two rooms. I installed Roxul between the studs, and then installed two layers of drywall, with this (mass-loaded vinyl) noise barrier between them: http://www.homedepot.com/p/Unbranded-dB-3-4-ft-x-8-ft-Acousti...
by deanbrew
Mon Jan 26, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: soundproofing walls
Replies: 13
Views: 1615

Re: Is it worth it to buy a condo vs a house.

I tend to side with the cautionary/negative end of the spectrum of the previous posts. Renting is not "throwing money away" or "paying someone else's mortgage", as you often hear. You are paying for a place to live, a dwelling. It is not always cheaper to own yourself, primarily ...
by deanbrew
Fri Jan 23, 2015 5:05 pm
 
Forum: Personal Consumer Issues
Topic: Is it worth it to buy a condo vs a house.
Replies: 41
Views: 4942

Re: Help me to understand time shares

Really? You want spend a couple thousand more than necessary every year because you're unable to make yourself take a vacation? Owning a timeshare doesn't cost "a couple thousand more than necessary every year". I'm not going to try and convince anyone to buy a timeshare, but don't resort...
by deanbrew
Fri Jan 09, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 58
Views: 5413

Re: Stacked up some more silver bullion today

What is the total spread, including sales taxes if any, between the buying and selling price? In my state (PA), there is no sales tax when you buy coins or bullion. This does vary by state, so if you're interested, you can look here: http://thecoinologist.com/sales-tax-state-by-state-breakdown/ If ...
by deanbrew
Thu Jan 08, 2015 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11057

Re: Should I also replace WM along with this job?

I would not replace the washer until it breaks. It may last several more years without incident. I also wouldn't bother with the pan until you replace the washer, as it will be considerably easier to install at that time. I've never had a washer spring a leak that caused any damage. You can replace ...
by deanbrew
Wed Jan 07, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Should I also replace WM along with this job?
Replies: 16
Views: 2213

Re: New car warranty - what has changed?

Manufacturer "bumper to bumper" warranties have arguably gotten better over time, not worse. Manufacturer warranties never covered tire damage caused by nails, scraps of metal, etc. The new tires have their own warranty covering defects, but again not if you run over something. The salesma...
by deanbrew
Tue Jan 06, 2015 11:29 am
 
Forum: Personal Consumer Issues
Topic: New car warranty - what has changed?
Replies: 4
Views: 711

Re: New car - which deal is better?

Without knowing exact options, its impossible to tell you. Things like leather, navigation, and floor mats can swing a price several thousands. Better negotiating? Compare the sticker to the otd price before tax. Better as in which car to pick, I guess they are roughly the same size and the Prius h...
by deanbrew
Mon Jan 05, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Re: New car - which deal is better?
Replies: 4
Views: 859

Re: How much more do rebate cards cost than checks?

As others have said, I imagine that fewer people redeem the full rebate amounts from the prepaid cards than they would on a check (either due to forgetting about the cards, inactivity fees, etc.) Whenever I get a prepaid card back from a rebate, I immediately buy an Amazon gift card for myself usin...
by deanbrew
Mon Dec 29, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 797

Re: How much more do rebate cards cost than checks?

it must cost the company more to buy the prepaid cards than checks? is it because companies hope people wont bother spend the last few cents left on the card thus pure profit for the company? does this make up for the additional cost of the prepaid card? I would venture that your guess is correct, ...
by deanbrew
Mon Dec 29, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 797

Re: Help with an adults only all-inclusive

We had a great time at Couple Swept Away (in Negril). We are big into tennis and they have the most impressive sports complex in Jamaica - as far as we could tell. We can't wait to go back. Another vote for Couples Swept Away. My wife and I and another couple went last year, and were very impressed...
by deanbrew
Fri Dec 19, 2014 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Help with an adults only all-inclusive
Replies: 26
Views: 4457

Re: [Purchasing a Bolt-Action] Rifle

It would depend on different factors as previously mentioned. Things like shooting experience, price range, caliber and brand are all pretty specific. How did you decide on .243 as your caliber? I haven't had the opportunity to hunt anywhere outside of Hawaii but from what I understand it is a pret...
by deanbrew
Thu Dec 18, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3578

Re: [Purchasing a Bolt-Action] Rifle

My first deer rifle was a Winchester 30-30 lever action carbine that I rescued from my grandfather's kitchen closet on the Pennsylvania farm in the 1970s. My mom sold it at a moving sale when I was in college not knowing that it was actually a fairly valuable collector's item being a pre-1964 model...
by deanbrew
Tue Dec 16, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3578

Re: [Purchasing a Bolt-Action] Rifle

Asking what brand of rifle to buy is a lot like asking what brand of car to buy. Each brand has followers and fans, as well as detractors. You can do well with any of the major brands indicated - Remington, Winchester, Ruger, Savage, Tikka (did I miss any?). As mentioned, Savage has a reputation of ...
by deanbrew
Tue Dec 16, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a Bolt-Action] Rifle
Replies: 31
Views: 3578

Re: TOTALLY STRESSED - HUSBAND LOST JOB..

my husband is now doing self-employment work 1099 etc - and yes he is doing ok - I just hate living this way -- waiting for the money to come in etc etc. [OT comments removed by admin LadyGeek] We have insurance through ACA (which is expensive and crappy) Me too. Another wonderful benefit of being ...
by deanbrew
Thu Dec 11, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Totally Stressed. Husband lost job.
Replies: 29
Views: 6945

Re: Choosing a preschool

I have often praised Montessori for kids. Agree. Montessori is a wonderful teaching/learning method, and provides a great experience for children. It doesn't cost more than other quality preschool/elementary education, either. Make sure to look at Montessori programs, if any are available near you.
by deanbrew
Thu Dec 11, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Choosing a preschool
Replies: 15
Views: 1246

Re: Good buy flip phone, smartphone app to talk/sms for free

I don't have a tremendous amount of experience with all of this, but I imagine Google Hangouts would be fine. WhatsApp seems to be pretty popular for texting over wifi. I started using it to keep in touch with a friend overseas, as it seems to be a very popular texting app in Europe as well as the US.
by deanbrew
Wed Dec 10, 2014 10:30 am
 
Forum: Personal Consumer Issues
Topic: Good buy flip phone, smartphone app to talk/sms for free?
Replies: 10
Views: 725

Re: Leased car return question

Now I see what you mean. I wasn't following the idea that the dents were already identified.
by deanbrew
Mon Dec 08, 2014 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Leased car return question
Replies: 11
Views: 1648

Re: Leased car return question

Dents and dings over 2" in size will result in charges unless you fix them prior to turn-in and provide documentation of the repairs. If you have fixed the dents and dings (properly), they are presumably no longer noticeable or problematic. Why do you need documentation? Do you need to documen...
by deanbrew
Mon Dec 08, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Leased car return question
Replies: 11
Views: 1648

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

The penalty for a missed distribution is 50% of the distribution, but the IRS will usually waive that if you have a good reason and ask them (via Form 5329) to do so. Our accountant advised us to have the RMDs for 2009-2014 distributed this year, and we will file Form 529 along with an explanation ...
by deanbrew
Tue Dec 02, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 22
Views: 2108

Re: Receiving Inheritance Distribution, Move to Avoid Tax?

an inherited IRA behaves differently from a personal IRA - Your wife likely should be taking RMD's based on her own life expectancy. Hopefully you have not co-mingled the funds with her own IRA. I'll have to ask our accountant and lawyer when I get a chance, but I'm pretty sure they would have told...
by deanbrew
Mon Dec 01, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Receiving Inheritance Distribution, Move to Avoid Tax?
Replies: 22
Views: 2108

Re: android location keep off for battery or on in case stol

Since my Android OS was updated last month, it has four location settings: a) off; b) GPS only; c) power saving, which turns GPS off and uses mobile networks and wifi networks to determine a reasonably accurate location; and d) high accuracy, which uses GPS, wifi and mobile networks to determine a p...
by deanbrew
Mon Dec 01, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: android location keep off for battery or on in case stolen?
Replies: 3
Views: 895

Re: Homeowner's Insurance

In the appraisal world, the cost approach can be prepared based on either "replacement cost" or "reproduction cost" Replacement cost is the cost to replace the improvements at current prices with one of equal utility and desirability with modern materials and in conformity with t...
by deanbrew
Tue Nov 25, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance
Replies: 10
Views: 791

Re: 2015 Suburu Outback

Lafter wrote: Those of you wanting to order an Outback, go ahead and order exactly what you want and the time will fly by. You also get to know the price before you get it. You can tell the dealer if an unclaimed/prepaid Outback that meets your criteria comes in you may buy it. They want cars sold ...
by deanbrew
Mon Nov 24, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 6049

Re: Hybrid electric water heaters

OK, you are talking about propane. That makes sense. I can see why you are thinking of an alternative. Lowes has the GE Hybrid on sale right now for $999. When I look it up, it tells me I also get a $300 rebate back from my local utility company. I'm sure that varies by location, but that is the sal...
by deanbrew
Fri Nov 21, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 553

Re: Hybrid electric water heaters

We currently have a gas water heater, the city gas charges us $150 a year to just have them as a service provider. When we purchase gas the charge us for fuel delivery which is $150 then the cost of the gas itself. Are you talking about propane (bottled gas) rather than natural gas? Or are you conv...
by deanbrew
Fri Nov 21, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Hybrid electric water heaters
Replies: 6
Views: 553

Re: Carrying alternatives for phone, credit cards, money

Phone goes in one front pocket. Wallet, cash, and keys go in the other front pocket. Nothing goes in your back pockets. Fortunately, you didn't ask about gun, knife, flashlight, and other EDC / zombie-defense stuff, which require other creative solutions. That's exactly what I was thinking as I rea...
by deanbrew
Fri Nov 21, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2641

Re: New teenage driver - which car for insurance

Around 1995 our son started to go to a local college and needed to drive daily on a busy expressway at high speed. So we bought him a new Chevy Beretta with a 6 cyl. engine to get out of trouble fast and enough weight to hold his position during an accident. So we went with safety in his particular...
by deanbrew
Fri Nov 21, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 3635

Re: New teenage driver - which car for insurance

Simple then. Get 3 quotes with your teenager assigned to each vehicle. Choose the lowest. But I think what the insurance company is asking is what vehicle the teenager will principally drive. If is really equal then your choice. Ask your agent. I'm pretty sure it won't be the newest vehicle, so you...
by deanbrew
Wed Nov 19, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 3635

Re: Boglehead family vacations

A WDW annual pass is less than $2 per day. Even if I lived in FL, I wouldn't go enough to make an annual pass worthwhile (at $675), but it definitely isn't of much use to someone who lives in Illinois. Curious, though, is an annual pass valid for only one person? In other words, if you buy a pass, ...
by deanbrew
Thu Nov 13, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4339

Re: Boglehead family vacations

We go to WDW for $45/person/day including park passes, accommodation, transport and food. Some people spend ridiculous amounts on holidays. Not very frugal. Are you having a flashback to 1980? Disney World ticket prices are now about $70 to $100 per person, not including parking or food (or lodging).
by deanbrew
Wed Nov 12, 2014 7:39 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4339

Re: Boglehead family vacations

I haven't been on a Disney Cruise, but I've heard they are wonderful, but very pricey. We took our kids on two Carnival cruises, and they absolutely loved them both, as did we. Carnival (and Royal Caribbean, I've heard) have great "kids' clubs" and activities for kids, at prices that are w...
by deanbrew
Wed Nov 12, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4339

Re: Road Tolls, and Rental Cars

Why not just go through the cash lane and pay the toll? Seems a lot simpler. I'm not sure about other states, but in PA you pay a huge premium to pay cash. If you enter from Ohio and go to Harrisburg, you pay $21.39 if you use EZ pass, but you pay $30.10 if you pay cash, or 41 percent more. And as ...
by deanbrew
Tue Nov 11, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 29
Views: 2681

Re: Road Tolls, and Rental Cars

Interesting... I have done that in the past and always have gotten a letter form EZ pass billing me for the toll and I needed to write them and say, "yes, that was my vehicle", which they already knew since they sent the letter to me, the same person who owned the transpoder. Interesting,...
by deanbrew
Tue Nov 11, 2014 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 29
Views: 2681

Re: Road Tolls, and Rental Cars

Not sure about most of them, but I use my EZ pass with rentals. Just need to give them a call with the plate number and they will enroll the rental for the week(s) you have it. Used it recently on trip from Vermont to Kentucky. I have used my EZ pass in several cars I own, friend's cars and rental ...
by deanbrew
Tue Nov 11, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Road Tolls, and Rental Cars
Replies: 29
Views: 2681

Re: How to calculate rate of return on cash value life insur

I would keep it, no question. You have $79k worth of life insurance, plus cash value that is growing a lot more than the annual premium amount. Surely, the death benefit has some significant value to survivors, or perhaps for estate planning purposes. Don't forget that life insurance proceeds are us...
by deanbrew
Sat Nov 08, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate rate of return on cash value life insurance
Replies: 7
Views: 944

Re: Track your car's fuel use (mileage)

I had a Boglehead instance of serendipity last evening. I drove to a nearby town, and when I got on the highway, I happened to pass a mile marker just as my odometer turned to an even number, including the tenth of a mile digit. After driving 40 miles, by the highway markers, my odometer indicated I...
by deanbrew
Tue Nov 04, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2185

Re: Track your car's fuel use (mileage)

How do you know your car odometer is accurate when you calculate your own mileage? Ever check that? Good question. No doubt your odometer accuracy changes as your tires wear down, and who knows how accurate it is even right out of the factory with brand new tires. In addition to checking against th...
by deanbrew
Mon Nov 03, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2185

Re: Seeking recommendations for a new dishwasher

I don't need to buy a new DW yet, and I'm pretty satisfied with the 10 year old Maytag I have. But when the time comes, do users (as opposed to marketers) find stainless steel insides to be worthwhile? We went with a plastic interior, as I just couldn't see that a stainless interior was worth the ex...
by deanbrew
Mon Nov 03, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1218

Re: Track your car's fuel use (mileage)

The dashboard MPG indicator on my Chevy Sonic is consistently about 1 to 1.5 higher than what I calculate from my actual mileage and gas usage between fillups. I have found the same 1.0 to 1.5 MPG optimism on every one of the last four cars (three different brands, none Chevy) my wife and I have ow...
by deanbrew
Mon Nov 03, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2185

Re: How to calculate rate of return on cash value life insur

I don't think the OP is or should be concerned with the rate of return since the policy was bought. He should only be concerned with the return this past year, and going forward. It seems to me the return over the past year was 5.58%, as the OP indicated. The cash value went up by $485, less the $16...
by deanbrew
Fri Oct 31, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate rate of return on cash value life insurance
Replies: 7
Views: 944
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