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Re: Costco and AMEX

I got an offer from AE to get a Blue Cash Everyday card.
I am holding off until next year.
I will then get both AE Blue Cash and the new Costco CITI card.
by detroitbabu
Sat Apr 25, 2015 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 21
Views: 3324

Re: help with parent's porfolio

Why not look at Vanguard Wellesley Admiral or Vanguard Wellington Admiral based on their risk tolerance?
by detroitbabu
Tue Apr 21, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: help with parent's porfolio
Replies: 7
Views: 561

Re: What are you up YTD?

3.9% YTD

40% Large Cap
20% Bonds
20% Small/Mid cap
20% International

All index funds.
Avg. expense ratio: 0.08%
by detroitbabu
Fri Apr 10, 2015 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39166

Re: Kitchen upgrade - granite selection help

We have the same exact combination - Brazilian Cherry flooring and Maple cabinets.
We have used Hawaiian Bordeaux for counter tops.

http://www.kitchen-design-ideas.org/haw ... anite.html

I agree with visiting the Gardenweb site for these type of questions.
by detroitbabu
Fri Apr 10, 2015 5:48 am
 
Forum: Personal Consumer Issues
Topic: Kitchen upgrade - granite selection help
Replies: 52
Views: 4311

Re: Schedule D/1099B/Form 8949 Question

Thanks folks. I went back and looked at the spreadsheet again and I had included everything that was reinvested in the cost basis calculation so I had done it correctly. I had actually read the vanguard FAQ on cost basis but had forgotten about it. I have e-filed my return and have already got the n...
by detroitbabu
Mon Mar 30, 2015 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 437

Re: Schedule D/1099B/Form 8949 Question

ieee488,
Thanks for your reply.
Yes, capital gains were reinvested also.

I need to include capital gains that were reinvested from 2006 to the day until I sold the fund (2014), right?
by detroitbabu
Sun Mar 29, 2015 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 437

Schedule D/1099B/Form 8949 Question

So here is the situation. Apology for the long post in advance. I am using Turbotax to file my 2014 taxes. I owned a mutual fund (FLATX) in my Vanguard Taxable Brokerage account which I sold in 2014. I purchased this fund in 2006 and was adding to it on a monthly basis from 2006 to 2010. I stopped p...
by detroitbabu
Sun Mar 29, 2015 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Schedule D/1099B/Form 8949 Question
Replies: 5
Views: 437

Re: Glasses turn around time and cost

http://www.zennioptical.com/
http://www.eyebuydirect.com/

I got my glasses from Zenni in 8 days (including weekend) and that was with standard shipping ($4.95)
You can expedite the shipping for an additional small fee.

The frames, single vision thinnest lenses and shipping all together cost me $23.
by detroitbabu
Sun Feb 08, 2015 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Glasses turn around time and cost
Replies: 19
Views: 1636

Re: Backpack with Activflex frame?

I bought the REI Crestrail 48 pack for my EBC hike. What you have is probably a women's version of the Crestrail pack. It is a very well designed pack with lots of very good features. Cost is also very reasonable too compared to an Osprey or Gregory. Just another thought.. I don't know if you are go...
by detroitbabu
Sat Feb 07, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 100
Views: 7309

Re: Sleeping bags for cold weather

Agree with a few posts above. Get a liner. It makes the bag warmer and keeps it cleaner. Buy a sleeping pad if you are sleeping in a tent. Other than shielding you from the cold ground it also keeps the sleeping bag clean. REI will have its Winter clearance next week. Upto 50% off. Also check out ot...
by detroitbabu
Fri Feb 06, 2015 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 2430

Re: Costco Vacation Packages

I booked our Cancun trip through CostCo in 2011.
My experience was very good.
Everything was as advertised.

In short, typical CostCo product. Good quality, Great Value. No surprises.
by detroitbabu
Tue Feb 03, 2015 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Costco Vacation Packages
Replies: 30
Views: 5025

Re: Personal finance book recommendation for wife?

"Personal Finance For Dummies" by Eric Tyson.
Very easy read.

It was my first book on personal finance.
I still have that copy on my shelf.
by detroitbabu
Mon Feb 02, 2015 6:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance book recommendation for wife?
Replies: 6
Views: 774

Re: Intuit Turbo Tax Refund

I called TT after reading the article. Here is how the call went. Me: I bought a CD version of 2013 and CD version of 2104 TT Deluxe and i had to upgrade while I was working on my taxes because of Schedule D. The person on the phone: We are offering free upgrades to those who call about schedule D n...
by detroitbabu
Fri Jan 23, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Turbo Tax Refund
Replies: 23
Views: 2249

Re: [Annual POLL] What was your 2014 return?

7.1% not counting contributions
11.1% with contributions

45% Large Cap US Stocks
15% Small/Mid Cap
20% International
20% Bonds
by detroitbabu
Sat Jan 03, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14948

Re: What are you up YTD?

7.1% not counting contributions
11.1% with contributions

45% Large Cap US Stocks
15% Small/Mid Cap
20% International
20% Bonds
by detroitbabu
Sat Jan 03, 2015 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 319
Views: 39166

Re: Do we have enough to retire?

Do the $5K monthly expenses include the HELOC and payments on the rentals?
I think you have enough but considering the misgivings of one of you, it would be nice to pay off the debt (~$240K) before considering retirement.
by detroitbabu
Mon Dec 29, 2014 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 45
Views: 8127

Re: Buying Mazda CX-5 - to wait or not to wait?

I recently purchased a vehicle and was debating between buying used vs new. Looking at the used vehicle prices and features, gas mileage and improvements in the 2015 version, I came to the conclusion that buying new made sense from a total cost of ownership perspective. I ended up buying a 2015 Hond...
by detroitbabu
Sat Dec 27, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Buying Mazda CX-5 - to wait or not to wait?
Replies: 21
Views: 3468

Re: Help With Windfall

Your effective mortgage rate is/will be <3%. I would not prepay that.
I would get rid of the student loans and then DCA the remaining amount per your AAP over 18-24 months.
by detroitbabu
Thu Dec 11, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Windfall
Replies: 8
Views: 1725

Re: Help With Windfall

What are the interest rates on the student loans and mortgage?
by detroitbabu
Wed Dec 10, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Windfall
Replies: 8
Views: 1725

Re: Ad hoc travel to Antarctica

Antarctica is on my bucket list too along with Torres Del Paine National Park.
I have seen some spectacular pictures of Torres Del Paine.
by detroitbabu
Wed Dec 10, 2014 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2905

Re: Engineered Hardwood Floors

Consensus here and from the experts seems to be that this is an installation issue and not a Bellawood/engineered product issue. So I have decided to stick with engineered product. I am not quite sure if I should go with a 3/8" engineered or 3/4" engineered. Would appreciate any thoughts. ...
by detroitbabu
Mon Dec 01, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2610

Re: Engineered Hardwood Floors

Thanks everyone for the great suggestions. A little more information since a few of you asked some questions. I live in Michigan. The wood was acclimatized for 3 weeks in the home before it was installed. Install Instructions from LL and Bellawood were followed. Vapor barrier and underlayment was la...
by detroitbabu
Fri Nov 28, 2014 6:44 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2610

Engineered Hardwood Floors

We have 3/8" Bellawood Brazilian Cherry floor from lumber liquidators installed on the first floor of our home. There are a few issues with the flooring like creaking, uneven gaps, planks popping up in a few placesetc. The company who installed the flooring hired a third party expert to analyze...
by detroitbabu
Wed Nov 26, 2014 5:31 pm
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2610

Re: Thinking about retiring next year

Mortgage + Car Loan + Additional College Expenses (above what you have saved for college) add up to ~$200,000.
I would work until most of the debt is gone.
Although your pension+ss of ~$74,000 is good.
by detroitbabu
Sat Nov 22, 2014 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about retiring next year
Replies: 16
Views: 2656

Re: Athens and London, what to do and where to stay?

I highly recommend airbnb.com
by detroitbabu
Fri Oct 24, 2014 8:18 am
 
Forum: Personal Consumer Issues
Topic: Athens and London, what to do and where to stay?
Replies: 36
Views: 2404

Re: Is it possible to have a favorite movie

I have many favorites but one that particularly comes to mind is "Big" - Tom Hanks and Elizabeth Perkins.
http://www.imdb.com/title/tt0094737/

Maybe it was the age when I watched it that I liked it. Still my favorite.
by detroitbabu
Fri Oct 17, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3562

Re: Tell me about Paris

We went to Paris in July and stayed in 6th arr. (Rue De Vaugirard/Montparnasse Blvd area). Booked an apartment through AirBnB. Great location, nice apartment. Very safe even at night with family. Communication with the owner was via email and then via phone/text messages when we were traveling in E...
by detroitbabu
Fri Oct 03, 2014 9:50 pm
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 4284

Re: Tell me about Paris

We went to Paris in July and stayed in 6th arr. (Rue De Vaugirard/Montparnasse Blvd area). Booked an apartment through AirBnB. Great location, nice apartment. Very safe even at night with family. Communication with the owner was via email and then via phone/text messages when we were traveling in Eu...
by detroitbabu
Thu Oct 02, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 4284

Re: External backup drives - Seagate vs Western Digital

Thanks to everyone who replied. I have been backing up pictures and music to Google Drive and Drop Box and important files to a 64 GB USB drive. But it is becoming a hassle. I wanted a big enough storage so that it can back up multiple computers and devices automatically and be under my control unli...
by detroitbabu
Mon Sep 15, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 3443

External backup drives - Seagate vs Western Digital

I want to buy an external back up device which can back up one mac, and 2 windows laptops (one Windows Vista home premium and one with Windows 7 Home premium OS) What is the recommendation from the forum on the brand from reliability perspective? Seagate, WD, Samsung, Hitachi, Toshiba? I saw a netwo...
by detroitbabu
Sun Sep 14, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 43
Views: 3443

Re: Atlanta - recommendations on where to live

Alpharetta will meet your requirements but don't know about your job location.
MARTA can help.
by detroitbabu
Mon Sep 08, 2014 6:15 am
 
Forum: Personal Consumer Issues
Topic: Atlanta - recommendations on where to live
Replies: 24
Views: 1449

Re: Arches-Bryce-Zion road trip: Where to stay?

We stayed in Kanab, UT
by detroitbabu
Tue Aug 26, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1247

Re: average American eats out 203 times per year

3 meals a day * 365 = 1095 meals per year
203/1095 = 18.54% which is 1 out of every 5 meals.

or 203/52 = 4 meals/week seems reasonable considering a lot of people eat their breakfast in their cars on the way to work.
by detroitbabu
Fri Aug 08, 2014 11:24 am
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 7156

Re: how often do you look at your account

Only on days when market is up. :)
by detroitbabu
Mon Jul 21, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3845

Re: Honda Fit, Civic

Why not consider a 2014 or 2015 Civic?
Pretty comparable fuel economy and only a couple grand more than Fit

Civic is a bigger car too.
Of course, if you are tired of driving a Civic and want to try something new, that is a different story.
by detroitbabu
Fri Jul 18, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Honda Fit, Civic
Replies: 32
Views: 4869

Re: SAT preparation

I thought recently they have changed SAT.
by detroitbabu
Sat Jul 12, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: SAT preparation
Replies: 33
Views: 3300

Re: Recommendations on Walking/Trekking poles

Before you go to REI, you might want to check a few online websites for their clearance sales.
You may get last year's model for a good discount.

Here are a few online retailers with excellent return policies

sierratradingpost.com
moosejaw.com
backcountry.com
campmor.com
llbean.com
by detroitbabu
Tue Jul 08, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations on Walking/Trekking poles
Replies: 16
Views: 1738

Re: Tablet for classroom use

Good deal at Target. 16GB iPad Mini for $199.

http://slickdeals.net/permadeal/122160/ ... y-or-white
by detroitbabu
Thu Jun 12, 2014 5:44 am
 
Forum: Personal Consumer Issues
Topic: Tablet for classroom use
Replies: 6
Views: 676

Re: Prepay mortgage?

If you get a break on state taxes for contributing to a 529, why not max that out instead of just putting in $9k?
e.g. Michigan has a cap of $10,000 / year for getting a break on state tax. Worth finding out for your state.
by detroitbabu
Mon Mar 24, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 2411

Re: Prepay mortgage?

Maybe contribute to a 529 plan for kids if you are not doing it already.
by detroitbabu
Wed Mar 05, 2014 10:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Prepay mortgage?
Replies: 24
Views: 2411

Re: A Big Trip: The Himalayas

You may also want to look at Sikkim, which is a state in India.
Longer hikes than Ladakh, great scenery, tea-house type accommodations, guided treks with porters.

http://www.thehikinglife.com/2010/10/yu ... ndia-2008/
by detroitbabu
Fri Feb 28, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: A Big Trip: The Himalayas
Replies: 15
Views: 1163

Re: A Big Trip: The Himalayas

we have made arrangments to stay in more westernized lodging during the trek. I am referring to the lodges run by Yeti Mountain Homes and Everest Summit Lodges. These types of lodges are only available as far as Pangboche, which is quite a bit short of EBC . Not true. Accomodations in Tengboche, Di...
by detroitbabu
Thu Feb 27, 2014 9:18 pm
 
Forum: Personal Consumer Issues
Topic: A Big Trip: The Himalayas
Replies: 15
Views: 1163

Re: A Big Trip: The Himalayas

I recently (October 2013) completed the Everest Base Camp trek. Nepal and especially both EBC and Annapurna Base Camp treks are very popular and geared toward western tourists. You will find the trails very crowded during the peak season (April-May and October) but the scenery is spectacular. I have...
by detroitbabu
Thu Feb 27, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: A Big Trip: The Himalayas
Replies: 15
Views: 1163

Re: Sault Ste. Marie to Toronto, summer 2014: tips?

Don't know how much are you into wilderness but you want true wilderness you should visit Isle Royale National park in Lake Superior. Least known and visited national park in US but it is really beautiful. You can reach it only via ferry boat. The ferry ride from Michigan side (Houghton or Copper ha...
by detroitbabu
Fri Dec 06, 2013 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Sault Ste. Marie to Toronto, summer 2014: tips?
Replies: 8
Views: 923

Re: Family trip to Orlando. Suggestions.

1-2 days at Disney parks is not enough. You need at least 5 days.

Check out http://allears.net/index.html for comprehensive info on Disney world.
by detroitbabu
Sun Jul 28, 2013 11:47 am
 
Forum: Personal Consumer Issues
Topic: Family trip to Orlando. Suggestions.
Replies: 33
Views: 2374
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