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Re: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

You've also posted similar threads, but for different models:

I am in the process of deciding on model for next purchase. My knowledge of cars is limited. I find the comments very useful. I have decided against the models in my other threads based on the comments.

Thanks.
by goru1
Fri Feb 07, 2014 12:11 am
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1053

30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation

Please comment.

Thanks.

Other details:
* Heated leather seats
* 3rd row seatings
* Honda Certified
by goru1
Thu Feb 06, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: 30K Pilot 2011 Miles 38K 4WD Touring w/RES Navigation
Replies: 9
Views: 1053

$27K Sienna XLE 2011 Miles 43K AWD

Please comment. Thanks. Other details: * One Owner * Upgrades - Alloy Wheels - Dual View Entertainment Center with 2 Wireless Headphones - Leather Seats ( Front Seats are equipped with Variable Temp Heaters ) * Completed a 45K mile service, installed 2 New Tires and New Brakes * Toyota Certified
by goru1
Tue Feb 04, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: $27K Sienna XLE 2011 Miles 43K AWD
Replies: 7
Views: 717

$23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

Please comment. Thanks. Other details: * $2K spent through the shop, which includes: 4 brand new tires and 30k service * Equipped with a Premium Package * Lexus Certified * 3-year/100,000-mile bumper to bumper warranty * Dealer comment: Priced $2K below the Kelley Blue Book Certified Pre-Owned Value...
by goru1
Fri Jan 03, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 18
Views: 1867

T-mobile. 2 Lines $80. iPhone $549. Nokia Lumia $126.

I am planning to switch my plan to T-mobile and buy two phones from T-mobile. Currently I have two Nokia phones and two $45 monthly plans from Straight Talk. Please comment. Thanks. Plan: * 2 Lines Plan * $80 per month * Unlimited talk, text and web * Up to 500MB of high-speed data on our network. S...
by goru1
Thu Nov 21, 2013 11:29 am
 
Forum: Personal Consumer Issues
Topic: T-mobile. 2 Lines $80. iPhone $549. Nokia Lumia $126.
Replies: 18
Views: 2031

Re: Grade 4. Writing Reading. Goal. "Exceed the Grade Level"

Does she exceed in everything else and so you perceive these as weak spots? In math, she is "Exceeding the Grade Level Standard". At grade 4 she should not need you to pick out library books for her. She picks her own books from library. Turn off TV and tablets. She doesn't watch any TV d...
by goru1
Tue Nov 19, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 3121

Grade 4. Writing Reading. Goal. "Exceed the Grade Level".

Our daughter is in grade 4. She is doing good in academics and extracurricular activities. In writing and reading, she is at level "Meeting the Grade Level Standard". In writing and reading, our goal is "Exceeding the Grade Level Standard". She is willing to do the extra work. Ou...
by goru1
Tue Nov 19, 2013 11:23 am
 
Forum: Personal Consumer Issues
Topic: Grade 4. Writing Reading. Goal. "Exceed the Grade Level".
Replies: 50
Views: 3121

$550 StraightTalk iPhone 5 16GB $45 Unlimited Plan

I currently have $45 Unlimited Plan with StraightTalk on another phone. This will be my first iPhone. Please comment. Thanks. Details: * This phone will only work with the $45 Unlimited Plan * 30 day Unlimited Plans include 2.5 GB of high speed data per 30 day cycle. After 2.5 GB, your data speed wi...
by goru1
Fri Nov 08, 2013 3:25 pm
 
Forum: Personal Consumer Issues
Topic: $550 StraightTalk iPhone 5 16GB $45 Unlimited Plan
Replies: 5
Views: 1138

Thinking of changing 50% FI to "VG Total Intl Bond".

I am thinking of changing 50% of FI allocation to "Vanguard Total International Bond ETF (BNDX)". Please comment. Current AA: 68 stocks 32 bonds (Age-10) 29 Intl stocks = 14.5 large blend + 14.5 small blend 29 US stocks = 14.5 large blend + 14.5 small blend 10 REIT = 5 US + 5 Intl 32 US bo...
by goru1
Thu Oct 10, 2013 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing 50% FI to "VG Total Intl Bond".
Replies: 7
Views: 812

$399 Laptop Acer Aspire E1-531-4665

Please comment. Thanks. Looking for minimum features: * Windows 7 Home Premium * Intel * Processor Speed 2 GHz * Processor Core Dual-core (2 Core) * DVD Drive * Webcam * Microphone * HDMI * USB 2.0 Ports * Keyboard Acer Aspire E1-531-4665: http://us.acer.com/ac/en/US/content/model/NX.M12AA.032 E1-53...
by goru1
Tue Sep 24, 2013 11:29 am
 
Forum: Personal Consumer Issues
Topic: $399 Laptop Acer Aspire E1-531-4665
Replies: 7
Views: 739

$350 HDMI Laptop Acer Aspire V5-131-2629.

I am looking for a low cost laptop to connect to a plasma 42 inch TV using HDMI cable to watch streaming movies from netflix and other websites. Please comment. Thanks. Description: Acer Black Aspire V5-131-2629 11.6" Laptop PC with Intel Celeron 1007U Processor, 4GB Memory, 500GB Hard Drive an...
by goru1
Mon Sep 23, 2013 12:36 pm
 
Forum: Personal Consumer Issues
Topic: $350 HDMI Laptop Acer Aspire V5-131-2629.
Replies: 9
Views: 993

Re: AA. Now 70/30. Thinking of 80/20.

Thanks for all responses. I am staying at 70/30.
by goru1
Thu Jul 18, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 36
Views: 2725

Re: Expenses as % of after tax monthly household income.

is it the party for your kids
Otherwise you are saving the remainder?
What about 401Ks, IRAs, etc.?

I have edited the original post.

Thanks.
by goru1
Tue Jul 16, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1246

Expenses as % of after tax monthly household income.

Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage All Vanguard Account types: 401k, Roth and Taxable Me and spouse employed full time Two kids less than 10 years old Home: Northeast Expense % of after tax monthly household ...
by goru1
Mon Jul 15, 2013 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expenses as % of after tax monthly household income.
Replies: 7
Views: 1246

AA. Now 70/30. Thinking of 80/20.

The thinking behind it is to reach my number faster. It is not based on any recent market performance. I will keep the same AA 80/20 even if stocks go down by 50% or more. Please comment. Thanks. Age: 42 Times annual expenses accumulated: 7 Marginal Tax rate: 25% Emergency fund: Yes Debt: Mortgage A...
by goru1
Mon Jul 15, 2013 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 70/30. Thinking of 80/20.
Replies: 36
Views: 2725

$19K Odyssey 2010 LX 35k miles Honda certified.

Carfax:
* No accident/damage reported
* 1-Owner
* 1 Service record available
* Type of owner: Personal lease
* Estimated length of ownership: 3 yrs.
* Estimated miles driven per year: 11,000/yr

Please comment.

Thanks.
by goru1
Fri Jul 12, 2013 4:11 pm
 
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1315

Grade 3. Math. RSM or Kumon or Mathwizard.

Details: * Performance level now: Meeting the grade level standard. * Performance level next goal: Exceeding the grade level standard. * Currently at home our daughter spends 15 mins every day on maths doing one worksheet from edhelper.com. * We spend another 15 minutes every night with her on math...
by goru1
Tue Apr 02, 2013 10:38 am
 
Forum: Personal Consumer Issues
Topic: Grade 3. Math. RSM or Kumon or Mathwizard.
Replies: 6
Views: 1538

2013. CR-V or RAV4.

Please comment.

Thanks.
by goru1
Sun Mar 17, 2013 12:09 am
 
Forum: Personal Consumer Issues
Topic: 2013. CR-V or RAV4.
Replies: 7
Views: 1330

Re: PenFed auto loan 1.49%.

Sienna:
* MSRP $33,700 + Tax.
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23
by goru1
Wed Feb 13, 2013 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed auto loan 1.49%.
Replies: 10
Views: 926

PenFed auto loan 1.49%.

Please comment.

Thanks.

Loan:
* PenFed
* Not yet a member of PenFed
* Loan: $35,700
* Term: 5 years
* Interest: 1.49%
* Monthly: $618
* Total interest: $1,370
by goru1
Wed Feb 13, 2013 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed auto loan 1.49%.
Replies: 10
Views: 926

Sienna 2013 AWD. MSRP $33,700.

Please comment.

Thanks.

Looking for:
* AWD/4WD
* 7 Seats
* V6

Sienna:
* 2013
* LE
* 7 Passenger
* AWD
* Engine: 3.5L V-6 cyl
* City MPG: 16
* Hwy MPG: 23
by goru1
Wed Feb 13, 2013 11:32 am
 
Forum: Personal Consumer Issues
Topic: Sienna 2013 AWD. MSRP $33,700.
Replies: 22
Views: 2634

Lexus RX 300. Timing belt. $884.

Please comment. Thanks. Lexus: * 2002 * RX 300 * AWD * V6-3.0L (1MZ-FE) * Miles 93,000 Estimate: Timing belt 89.00 Fan belt 51.00 Fan belt 14.00 Waterpump 183.00 Timing belt tensioner 94.00 Coolant 30.00 Labor 94.00/hr * 4.5 hr 423.00 Labor total 423.00 Parts total 461.00 Sub-Total 884.00 Parts tax
by goru1
Wed Feb 13, 2013 11:20 am
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 6006

Re: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?

I have edited original post based on responses.

Thanks.
by goru1
Sun Nov 18, 2012 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?
Replies: 10
Views: 835

Refi. No cost. 30 yr fixed or 5/1 ARM and Why?

* Do not plan to pre pay. * Don't know for sure when we will be out of this house. * See a rate difference of 1%. * Difference in monthly payments will go to overall AA of 60 stocks 40 bonds. * Loan Amount: $310,000.00 * Property Type: Condo (townhouse) * Marginal Tax rate: 15%. * Emergency fund: Ye...
by goru1
Sun Nov 18, 2012 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. No cost. 30 yr fixed or 5/1 ARM and Why?
Replies: 10
Views: 835

Re: AA. Now 60/40. Thinking of 70/30.

1. The timing to increase Equity risk - when the S&P 500 is up 18% for 1-year through August 2012 - is suspect to say the least.

How to decide when is the good time?
by goru1
Mon Sep 24, 2012 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

Re: AA. Now 60/40. Thinking of 70/30.

how many times annual expenses have you accumulated.

6 times.
by goru1
Sat Sep 22, 2012 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

Re: Refi 1. Waiting period. Refi 2.

Just locked today at FIB. No cost 30 year at 3.50%

FIB doesn't offer 30 year for condo.
by goru1
Fri Sep 21, 2012 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 765

Re: Refi 1. Waiting period. Refi 2.

When did you lock this?

In May.
by goru1
Fri Sep 21, 2012 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 765

Re: Refi 1. Waiting period. Refi 2.

just surprised that the rate would be so much more favorable that quickly.

Refi closed on Sep 19: 30 yr fixed. 3.875%. No cost.
New quote: 30 yr fixed. 3.375%. No cost.
by goru1
Fri Sep 21, 2012 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 765

Re: Refi 1. Waiting period. Refi 2.

What's the rationale for refinancing that soon ?

Rate difference of 0.50%.
No cost ( Closing cost = Lender credit )
by goru1
Fri Sep 21, 2012 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 765

Refi 1. Waiting period. Refi 2.

Lender 1 Refi 1: * Closed on Wed Sep 19. * Lender 1 imposed waiting period of 90 days for next refi. Lender 2 Refi 2 quote comments: * We will have to wait until your loan gets assigned with the lender and you receive your first mortgage statement. * You will probably not receive your first stateme...
by goru1
Fri Sep 21, 2012 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 1. Waiting period. Refi 2.
Replies: 12
Views: 765

Re: AA. Now 60/40. Thinking of 70/30.

10% added Equity risk would not mean too much..... UNTIL Equities drop 50% and your portfolio declines 35%. Should we expect at that time a thread saying: I want to go from 70/30 to 50/50? if you change to 70/30 and stocks drop by 35%, are you sure you'd rebalance to keep that AA? If I change to 70...
by goru1
Fri Sep 21, 2012 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

Re: AA. Now 60/40. Thinking of 70/30.

Question is, what is your need of portfolio risk?

Don't know.

Risk increase by 10%:
Need: Don't know
Ability: Yes. Not planning to use the money till retirement age.
Willingness: May be Yes.
by goru1
Fri Sep 21, 2012 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

Re: AA. Now 60/40. Thinking of 70/30.

if you want to do it because stocks are so good right now. No. What has changed in your situation or your thoughts about your financial plan since you decided on 60/40? Situation: No change. Thoughts: More reading. Risk increase by 10%: Need: Don't know Ability: Yes. Not planning to use the money t...
by goru1
Fri Sep 21, 2012 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

AA. Now 60/40. Thinking of 70/30.

Thinking of changing AA from 60/40 to 70/30. Your comments. Thanks. Age: 41 Marginal Tax rate: 15% Emergency fund: Yes Debt: Mortgage AA: 60 stocks 40 bonds All Vanguard Account types: 401k, Roth and Taxable Me and spouse employed full time Now 60/40: AA 60 stocks 40 bonds 27% Intl stocks = 13.5% la...
by goru1
Fri Sep 21, 2012 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA. Now 60/40. Thinking of 70/30.
Replies: 25
Views: 2292

State. (Retirement Allowance)=(Annuity)+(Pension)

I have very limited understanding of state employee's retirement system. Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that ...
by goru1
Wed Jun 20, 2012 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: State. (Retirement Allowance)=(Annuity)+(Pension)
Replies: 2
Views: 469

Re: Pursue job switch from private to federal.

Source: "Benefit Guide for State Employee's Retirement System" ( Retirement Allowance ) = ( Annuity ) + ( Pension ) Annuity: Contributions that are deducted and deposited in an annuity savings fund. The interest that accrues is the average interest paid on savings accounts from a sample of...
by goru1
Mon Jun 18, 2012 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4405

Re: Pursue job switch from private to federal.

How do I search for local govt jobs?
Thanks.
by goru1
Fri Jun 15, 2012 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4405

Re: Pursue job switch from private to federal.

What is the process of getting a federal job?
Is it possible to go through the process without my current employer knowing about it?
Thanks.
by goru1
Thu Jun 14, 2012 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4405

Pursue job switch from private to federal.

I have no understanding of federal jobs. My understanding of benefits of federal job over private sector job: * Pension * Health benefits in retirement * Job security My usajobs.gov Occupational Series: Information Technology Management (2210) Age: 40 Me and spouse happy with current permanent full ...
by goru1
Thu Jun 14, 2012 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursue job switch from private to federal.
Replies: 53
Views: 4405

Re: New Civic or Corolla or Elantra.

Your turn. What do you like?

Now I am thinking of new camry because of these reasons.

* Interior Dimensions. Family of four.
* Traction. Snow and rain.
* Awards. http://www.toyota.com/camry/awards.html
by goru1
Wed May 23, 2012 10:19 am
 
Forum: Personal Consumer Issues
Topic: New Civic or Corolla or Elantra.
Replies: 50
Views: 4594

Re: Refi. Cash out. LTV 80%.

1) What does the rest of your portfolio look like? 2) What is your top marginal tax rate (fed + state)? 3) If you're going to put 40% of cash-out into bonds, why not leave that equivalent amount of equity in your house where you have a guaranteed 3.875% pretax return? 4) What is your investment hor...
by goru1
Tue May 22, 2012 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. Cash out. LTV 80%.
Replies: 4
Views: 362

Refi. Cash out. LTV 80%.

Does it make sense to cash out? Cash out will go in taxable at overall AA of 60 stocks 40 bonds. I have not yet asked for the new loan terms with cash out. Locked rate terms: No cash out Loan amount: 312,000 30 years 3.875% Lender credit: -2,300 Closing: 1,900 Government recording charges: 330 Appra...
by goru1
Tue May 22, 2012 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. Cash out. LTV 80%.
Replies: 4
Views: 362

Condo townhouse. Ceiling water stains.

I have no prior experience in this area. We live in a condo townhouse. We saw two water stains on ceiling on both sides of fireplace chimney. Fireplace is never used. There were few days of windy rain. We called condo property management company. They called a contractor. Contractor said he will be ...
by goru1
Wed May 16, 2012 10:31 am
 
Forum: Personal Consumer Issues
Topic: Condo townhouse. Ceiling water stains.
Replies: 5
Views: 900

New Civic or Corolla or Elantra.

Your comments please.

Thanks.
by goru1
Wed May 09, 2012 3:39 pm
 
Forum: Personal Consumer Issues
Topic: New Civic or Corolla or Elantra.
Replies: 50
Views: 4594

Refi. Condo. 30yr. No cost. Better than amerisave?

Is there any other lender website I can check for quote better than amerisave. Thanks. amerisave.com: 30 Year Fixed 4.000% Lender Credit: $2,731 Credit Towards Closing Costs ($2,729) Closing Attorney/Agent, Appraiser, Title Insurance, & Credit Reporting: $1,863 Total Closing Costs ($866) Governm...
by goru1
Fri Apr 27, 2012 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi. Condo. 30yr. No cost. Better than amerisave?
Replies: 2
Views: 331

Re: Keep mortgage LTV = 80% forever?

Best of luck with whichever way you go I will not be taking any action. I have asked this question only to learn about this subject. at a 15% marginal tax rate, you are not getting a huge benefit from the mortgage deduction I think it is 15% because of mortgage interest deduction. It was 25% before...
by goru1
Wed Apr 25, 2012 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep mortgage LTV = 80% forever?
Replies: 32
Views: 2013

Keep mortgage LTV = 80% forever?

My understanding is limited about this topic. Does it make sense to keep mortgage LTV=80% forever by cashing out whenever LTV < 80% ? One benefit of LTV = 80% is No PMI. Your comments please. Thanks. Age: 40 Marginal Tax rate: 15% Emergency fund: Yes Debt: Mortgage AA: 60 stocks 40 bonds Me and spou...
by goru1
Wed Apr 25, 2012 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Keep mortgage LTV = 80% forever?
Replies: 32
Views: 2013

Refi 30 Year Or 5 Year ARM.

amerisave.com: 1) 30 Year Fixed 4.000% Payment 1,497 Lender credit 1,809 Total Closing Costs 55.58 Government Taxes and Fees 325.00 2) 5 Year Fixed, ARM 3.000% Payment 1,322 Lender credit 3,365 Total Closing Costs -1,500.64 Government Taxes and Fees 325.00 Condo townhouse. Planning to stay in it fo...
by goru1
Thu Apr 19, 2012 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi 30 Year Or 5 Year ARM.
Replies: 5
Views: 539
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