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Re: That sudden moment when Money is not a Problem

Sorry to hear that; we're all mortals. I went out an bought a 3-year old Lexus and replacing a 2-year old Mazda this week, quite unlike me. When my wife asked me why, I just said that I'm worth it... (it's too bad that Tesla has not brought out the X model yet). I'm slowly getting back to the habit ...
by htdrag11
Fri Aug 08, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6684

Re: How does car trade-in work?

rj49,

You've a good point. Normally I do not trade in and sell it on my own, let alone a 2-year old car. Have I've been buying a car (new or used), it would be much simpler. It's worth $400 to me if I have to do it again.

it's a jungle out there.
by htdrag11
Sat Aug 02, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Concluded the deal today.

Got a great price on a 2012 CPO (it was sitting for 62 days in the lot, for about $2-4k under Edmund's CPO price) but lost out on the trade-in by $1.5-$2k.

Thank you for all the help, especially livesoft.
by htdrag11
Sat Aug 02, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Yes. The interior fabric is not up to the OB std., but is closer to the Forester. I did not test drive the CRV at the time; found the c-pillar too wicked, blocking the rear side view. The 2012 was softer than Mazda and usually has higher resale value. Honda insulation is so so. Like OB, it also has ...
by htdrag11
Fri Aug 01, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 5043

Re: How does car trade-in work?

livesoft wrote:If it is CPO, then I wouldn't worry about it. Folks still do change their own oil.


Good to know. I have not changed oil myself since the last century in my cars.
by htdrag11
Fri Aug 01, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

gwe67 wrote:https://www.google.com/#q=heated+car+seats+plug+in


I did look into that last winter but decided against it. Thanks.
by htdrag11
Fri Aug 01, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

When I was checking Carfax on these CPO RX, seems that some of these cars were never serviced in a Lexus dealership after purchased. Is that normal? Some went from 0 to 20k or to 40 miles w/o any kind of oil change or service in Lexus dealershp. From Carfax, I also found out how long the car was for...
by htdrag11
Fri Aug 01, 2014 9:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

I made my 2015 OB observation here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=142103&newpost=2141073 The waiting time for an OB Premium with Eyesight and Power liftgate is about 2 months while the Limited is shorter (more than $2k since the latter comes w/ the navigation package a...
by htdrag11
Fri Aug 01, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 5043

Re: 2015 Subaru Outback

[/quote] Be interested in your driving impressions of the OB, comparatively to the Mazda. Like you I'm more into ride quality and quietness than driveability these days.[/quote] Well, the CX-5 is slower off the line (2013 is only 155 while 2014-2015 is 175hp), but the automatic is quieter than the C...
by htdrag11
Fri Aug 01, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 27
Views: 3732

Re: 2015 Subaru Outback

With the Mazda, I could occasionally use the auto/manual to shift (used to drive stick), so I'm wary of the CVT as well. Will be test driving an OB later today. CVT has a 5 year/60k warranty. There is very little inventory in NJ with the options and colors I wanted, especially with the Eyesight opti...
by htdrag11
Fri Aug 01, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 27
Views: 3732

Re: 2015 Subaru Outback

Browser, So did you make up your mind or test-drove it? What do you think of the ride, noise level, eyesight, and CVT? What car are you driving now? I've a 2013 CX-5, and the ride is getting a bit sporty lately; noise/insulation is never Mazda's strength. My average is around 30 mpg, FWD version. RX...
by htdrag11
Fri Aug 01, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 27
Views: 3732

Re: How does car trade-in work?

Wife did not care for the parchment/beige interior since we'll be using this to haul plants and mulches. Took a detour and investigate the 2015 Outback with the power liftgate and Eyesight (collision avoidance), a completely different class. Driven Saabs before, so the front grille did not bother me...
by htdrag11
Fri Aug 01, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

One car I saw during lunch time is fully loaded with brand new Michelin, remote starter and Navigation, only 27k. They knocked my price down for about $1k from autotrader, not a surprise. As livesoft said, the sticker price was a joke. On the windshield, the price was $37,900 but the internet price ...
by htdrag11
Thu Jul 31, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Good to know - I'll check out the seats, heated or a/c.

Car is certifiable, IMO.

Michelin tires are very nice on my old Bimmer but expensive.
by htdrag11
Thu Jul 31, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

In NJ, I also see "documentation fee" varies from $99 to $399. At least I did not see "advertising fee".
by htdrag11
Thu Jul 31, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Wife has an older Mitsubishi Eclipse which she found the rear lift to be too heavy for her. She also wanted the heated seats I had installed in our classic Mustang and Explorer. Heated seat kits install easily and I use the nylon zip ties instead of upholstery rings. These days these kits run for w...
by htdrag11
Thu Jul 31, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

I just went thru a trade in process. I had a 2004 Toyota Sienna, 184k miles. - went to CarMax: $4,000 - so this is our floor - went to Autotrader.com - they have a trade in program with your local dealers. Enter your car info, and a certificate with an amount that dealers will pay will be displayed...
by htdrag11
Thu Jul 31, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Yes. One dealer offered "instant" trade-in offer. Let's see.

Thanks.
by htdrag11
Wed Jul 30, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Yes, CPO does not meant accident free. There is one major Lexus dealer here with 2 locations only 20 miles apart. The one closer to me is in the high end district, so commands a higher list price. The nearest Carmax is about 66 miles from where I'm but only 10 miles from my favorite MIL. :twisted: H...
by htdrag11
Wed Jul 30, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

I probably misread the option; it was park assist, not auto parking.

My cheap Mazda does have a rear camera.
by htdrag11
Wed Jul 30, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

There is a car with a remote starter, cost a bit more. Another one with the crummy navigation package and auto-parking feature which is good for my wife, but I do not need it (used to live in NYC). My Mazda has the touring package which was fine for me in 2013 but no leather/heated seat; power liftg...
by htdrag11
Wed Jul 30, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

Everyone thought that I'm a scrooge, sort of the the Abnegation people in Divergent by Veronica Roth. I also told my wife what our budget and our portfolio are, so we need to spend our child's inheritance. As I said earlier, our expenses are below our income so we're OK with the expenditure. Her sho...
by htdrag11
Wed Jul 30, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

The auto-lift tailgate is nice. You press a button and the tailgate lifts up. Buttons are available on the key fob or on the tailgate itself. Since the Lexus uses proximity of the key fob, one doesn't even need to reach into your pocket: Simply grab the locked door and it unlocks for you. I bought ...
by htdrag11
Wed Jul 30, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

This is our 4th Mazda and it has NO recall!!! I did notice that the ride has gotten worse around 25k but the tires look OK. It was not my plan to trade the car that soon either. On a brighter note, our portfolio has gone up very nicely, unless there is a 10% correction. Regardless, our expenses are ...
by htdrag11
Wed Jul 30, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in work?

That is a cheaper alternative for the bun warmer but the tailgate is heavy for her, especially with groceries. I'll find out what is my "pain" threshold when I start seriously looking on Thursday, last day of the month. Winter is still several months away and money is not burning a hole in...
by htdrag11
Wed Jul 30, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

Abe, convenience always has a price.

As for trading a Honda in a Honda dealership vs. Toyota, it's my guess that the former would yield a better deal, but you could guess from all previous posts, YMMV depending on how eager you're or the dealer.
by htdrag11
Tue Jul 29, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

The last car I sold for close to $10k, I got a teller's check for the transaction.

Try to "trade" my car to my Mazda dealer is not a bad idea to get a floor either.
by htdrag11
Tue Jul 29, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

Here is my strategy. Post the car on craigslist with lots and lots of pictures. Price it at above market value. Allow yourself to be haggled down. It's amazing the number of people out there who don't do the basic research regarding the market price of a used car. And everyone on Craigslist loves t...
by htdrag11
Tue Jul 29, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

A dealer will not give you more than wholesale if you trade-in. It could be less but not more. They try to determine what's important to you. If you want more for your trade-in than wholesale, they may give you more and make up the difference in the price of the car you are buying. They are good at...
by htdrag11
Tue Jul 29, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

Trade in prices can vary considerably. The last time I traded in a car, I traded in a Toyota. The Toyota dealer gave me a much better price than the Honda dealer. It all depends on how much they like your car. My car was an older one in nice shape. The Toyota dealer could put it on his lot. The Hon...
by htdrag11
Tue Jul 29, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

Generally the dealer gives you wholesale value for your trade in and if he thinks he can sell in a short amount time without putting much into it, he may sell it as a used car. If not, it goes to the local wholesale auction. Note that in most states, you get a credit for the trade value against sal...
by htdrag11
Tue Jul 29, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: How does car trade-in works?

There is no Carmax in NJ; closest is 65 miles away in PA.

Yep, that is why I do not like trade-in, getting screwed in a 2-year old car. The only good thing is that the one I'm looking for is 3 years old.
by htdrag11
Tue Jul 29, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

How does car trade-in work?

Normally wife does not want to upgrade car but this was a tough winter and she wanted heated seats. Getting more mature, she did not want to bother with the manual tailgate either. So we'll be trading in our 2013 Mazda CX-5 with 30k miles on it, though in the past I like to sell it on my own. Anyway...
by htdrag11
Tue Jul 29, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 71
Views: 4387

Re: Moving IRA from TD to Vanguard

Can't take the credit; it was livesoft.
by htdrag11
Mon Jul 21, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

Crow,

Sorry that I misspoke.

livesoft offered the correct understanding; until I unload all my bonds, they would not be counted toward Vanguard managed assets. So, in this case, a 100% liquidation toward a Vanguard transfer or just stay w/ TD but managed my future Vanguard funds
by htdrag11
Mon Jul 21, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

Flagship is for like-services. Vanguard separates brokerage account from mutual funds account when they aggregate, something that I was not aware off. :(
by htdrag11
Mon Jul 21, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

Ahem!

I was thinking of consolidating my funds into Vanguard to take advantage of the Flagship services. Thanks for pointing out the commission free in buying (more than trading) Vanguard funds in TD, yet another fork in the road.
by htdrag11
Mon Jul 21, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

If I transfer and liquidate all to a mutual funds account, including corporate bond funds, then I would qualify for a flagship member. If I transfer in kind, then I need to roll over to a brokerage account and sell the stocks and bonds individually. The only remaining question is whether there would...
by htdrag11
Mon Jul 21, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

That works for me. :D
by htdrag11
Sun Jul 20, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: Moving IRA from TD to Vanguard

livesoft, Thank you for your insight. I currently only have a mutual fund account, so I need to set up a new one in Vanguard. As for to transfer in-kind vs. cashing them all out, which is better in terms of transaction cost, Vanguard vs. TD? The other is about missing out on the market which should ...
by htdrag11
Sat Jul 19, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Moving IRA from TD to Vanguard

Come September, I'll be "retiring" again but this time is for real. Lost interest in work and paying way too much taxes. Here is my situation with this particular account: The money is actually invested in one of the financial companies who work with TD, charging me 0.75% of my entire port...
by htdrag11
Sat Jul 19, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1012

Re: "Only a fraction of Americans directly own stocks"

I watch CBS for sports, not for propaganda from the Main Stream Media. In general, tv as a medium has its peak. No wonder so many people are cutting the cord. It's not worth paying for. Wife still wants to watch her soap though; we only keep the basic channels since the demise of aereo. Maybe people...
by htdrag11
Sat Jul 05, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3398

Re: Time to buy a tv or wait 2 years?

I'm frugal in many things but not TV/projectors. Gave away my 2009 Panny 42" 720p plasma and upgraded to a 2013 Panny 50" 1080p. My wife said why since it's her TV in the family room. I said that it's cost less than the old (under $900 vs. $1,300 for the 42"). I do frequent avsforum w...
by htdrag11
Sat Jul 05, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5876

Re: What to do with old Macbook Pro?

+1 but eBay is much faster.
by htdrag11
Fri Jul 04, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1885

Re: NJ Homeowners Insurance: Any advice?

1st off, try to buy all your insurance from the same company, such as auto, home and umbrella. 2nd, your credit score matters. 3rd, I've NJ Manufacturers since my company selects them. Check if that applies to you. 4th, try Amica if you qualify. In the past, I've All State, Liberty Mutual and Geico,...
by htdrag11
Wed Jul 02, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: NJ Homeowners Insurance: Any advice?
Replies: 9
Views: 709

Jim Cramer likes index funds — Who knew?

In case you missed - Jim Cramer likes index funds — Who knew?

http://www.marketwatch.com/story/jim-cr ... beforebell
by htdrag11
Thu Jun 26, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Jim Cramer likes index funds — Who knew?
Replies: 3
Views: 878

Re: Financial Literacy Quiz by FINRA

The national average is 2.88.

Does this qualify me to be a CFP? I do not need the money but it's my kind of fun.
by htdrag11
Tue Jun 24, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Quiz by FINRA
Replies: 18
Views: 1041

Re: Cost of car compared to Gross Income

The last care I bought in 2012 was about 25% of our income; the next one might blow the "budget", something like a Tesla would be about 80%; that is a luxury of able to retire, early. I do not think this metric holds much water but it's a fun exercise. We all know that car is usually the b...
by htdrag11
Tue Jun 24, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4665

Re: Bloomberg article on 401(k) rollover scam

Self-regulation never worked. When I retired in 1998 and signed up with a mutual fund (MFS) "advisor", though there was no up-front fee for me, but the back-end load had cost me about 10% when I eventually liquidated. Considered myself very lucky. My first and prior CFS had retired and mad...
by htdrag11
Tue Jun 17, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bloomberg article on 401(k) rollover scam
Replies: 10
Views: 1288

Re: Nice IBD article on Jack Bogle

Let data speak for itself: "Investors have withdrawn $500 billion from actively managed funds (including ETFs) and put $600 billion into index funds over the past five years," Bogle told IBD. "That's a trillion-dollar shift. It's astonishing, and it's not going to stop." Thank yo...
by htdrag11
Thu Jun 12, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nice IBD article on Jack Bogle
Replies: 3
Views: 429
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