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Re: Experience with dealer finding the exact car you want?

Mazda mx-5 Miata with power-retractable top...in red with auto transmission... With the upcoming new generation recently introduced, I would think you should have some leverage. Also, why not used? Any other color you would be amenable to? That explains it. I have a Miata and they are not common as...
by investingdad
Fri Sep 12, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Experience with dealer finding the exact car you want?
Replies: 26
Views: 1621

Re: Tennis Role Reversal

So I'm really sore today, especially the shoulder since I haven't served that much in a long time. The 17 year old and I split sets, I took the first (after being up 4-1 and allowing it to go 7-5) and then dropped the second 6-7. We had to postpone the third due to darkness so it remains on hold for...
by investingdad
Fri Sep 12, 2014 9:40 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1289

Re: Which 4 door with 250+ hp

I have a 2013 Nissan Maxima. It's a V6 with 290 HP. The accelleration is very nice but it's front wheel drive and you get a lot of torque steer. It has a CVT transmission so there's no shifting feel from the automatic transmission. I've been a lifelong stick shift guy and find the CVT coupled with a...
by investingdad
Tue Sep 09, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 7936

Re: Tennis Role Reversal

You know what the coolest part is of being in a tennis leauge at my age? Our fridge door is now covered with my son's soccer league schedule, my daughter's soccer league schedule, and my tennis league schedule. You can't even see the door anymore. :happy My wife has the role of family coordinator.
by investingdad
Mon Sep 08, 2014 8:45 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1289

Tennis Role Reversal

I think I may have posted on here a little while back that I started playing tennis again. I started as kid, played in high school, played during my 20s at the club level, didn't pick up the racquet at all in my 30s due to injury and intense dislike of the game, and just started again at age 40. I p...
by investingdad
Mon Sep 08, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Tennis Role Reversal
Replies: 13
Views: 1289

Re: Salary Info double standard?

Obviously there are a lot of strong feelings here. And I understand the position of the employer. I'm simply relaying my annoyance. I went through a fair bit of effort filling out the information they requested (multiple screens), answered the questions about experience matching, and the last thing ...
by investingdad
Fri Sep 05, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4192

Re: Salary Info double standard?

Maybe I should list 'Boglehead' on my resume... :D

One would think that a fellow Boglehead would recognize the value of hiring a person for whom typical financial strains may not apply.
by investingdad
Fri Sep 05, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4192

Re: Salary Info double standard?

If the most I can pay is X for certain position why waste my time and yours talking to you if you require 2X. ..... If you are outside this range - and I know I can find excellent talent inside my range - I don't want to waste your time. Well then, if you're serious about not wanting to waste anyon...
by investingdad
Fri Sep 05, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4192

Salary Info double standard?

I've been casually perusing job openings in my area, nothing too serious but keeping an eye out. I found something that looked interesting and decided to at least toss out my resume to see if the company wanted to chat. For reference, this is a mid-career engineering role with a division of a very w...
by investingdad
Fri Sep 05, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4192

Re: If you had an extra $100,000

I'd probably burn through 20K on trivial items that my wife and I would like to have but don't currently have budgeted.

The other 80K would go into regular taxable investments.
by investingdad
Fri Aug 29, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7167

Re: Hit a financial milestone at an age milestone

I must say I hadn't quite expected the last batch of replies which include a bit of skepticism. Feel free to believe or not believe any of it. Keep in mind that while everyone here is working hard to practice the Boglehead philosophy, far fewer actually employed this philosophy in their 20s or comi...
by investingdad
Thu Aug 28, 2014 7:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4985

Re: Hit a financial milestone at an age milestone

I was scratching my head at first, but after the OP's long clarifying post, it all adds up just fine for me. I guessed there was a real estate factor and he confirmed that. By his own admission he got lucky on that one and has realized the potential of significant gains...but to really capture that ...
by investingdad
Wed Aug 27, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4985

Re: Hit a financial milestone at an age milestone

Oh wow, I just realized the OP is from Northern California... NOT a LCOL area.... I'm surprised you managed to save so much living there... I mean really surprised... You sure you don't make more than $200k combined? How long have you two been making that much money? Glad to confirm I'm not complet...
by investingdad
Wed Aug 27, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4985

Re: Hit a financial milestone at an age milestone

2.2 million by age 40, with two kids, and international vacations? Head spinning... 200K in annual income is a substantial number....the average income is $56K, they are 3.5x that figure. A great accomplishment on their part :sharebeer but you have to view this in proper context. The amount you acc...
by investingdad
Wed Aug 27, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4985

Re: Moving to Eastern PA - need advice

Let's not forget that PHL airport is one of the ugliest airports around. My wife and I fly with our children to Orlando every year and it's almost like airport culture shock when you get to MCO. If you're going to be flying frequently, aim for flights that leave no later than 8am. Getting there an h...
by investingdad
Wed Aug 27, 2014 10:11 am
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1913

Re: Hit a financial milestone at an age milestone

Nice Job. :happy

Given our similar age and incomes, I'm assuming you made some money either off of real estate or investments that generated outsize returns over typical index funds? Or you don't have kids, that's a big boost to savings.
by investingdad
Wed Aug 27, 2014 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4985

Re: SP500 and recency bias

I keep trying to alter balance by shoving all our 401K money into bond funds but the increase in equity prices means our ratio isn't changing.
by investingdad
Tue Aug 26, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: SP500 and recency bias
Replies: 23
Views: 2146

Re: Mortgages and financial freedom

My mortgage is a 30 year loan at 3.375%. Our last house had a smaller mortgage but at a higher rate, 4.125%. On the new place, our monthly payment went down by $100 a month even though the nut was bigger. We have opted to continue making the larger payment plus another $20 or so to round it off. The...
by investingdad
Tue Aug 26, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6812

Re: did I damage my fridge by leaving the door open for a we

I'd be more concerned about the food that spoiled.

Shortened the compressor life? Probably some. Not enough for me to get bent over in the long run.

Get a cold drink from the fridge and move on. :happy
by investingdad
Mon Aug 25, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2733

Re: Moving to Eastern PA - need advice

Having lived in Chester County, PA for many years, I would recommend West Chester, Exton, Chester Springs, Malvern as reasonably close to the PHL airport and great places to live.. I've never lived in these areas but will vouch for them as nice locations. The general rule for each of this counties ...
by investingdad
Mon Aug 25, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1913

Re: Moving to Eastern PA - need advice

Depends what your wants and needs are. If you want to live close to a lovely, bustling, everybody out and walking little town that is quaint (and pricey) I recommend a hard look at Doylestown, the Bucks County seat. It's very Normal Rockwell, tons of people out and about enjoying the boutique shops ...
by investingdad
Mon Aug 25, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Eastern PA - need advice
Replies: 29
Views: 1913

Re: Tract Home - Things to Watch During Construction

We're in a tract home type community but the prior builder (local) and our builder (local) all emphasized customization of their floor plans. The current builder (yes, the community is on its THIRD builder...big community that has gone through the housing implosion) is also local but does NOT like t...
by investingdad
Wed Aug 20, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 56
Views: 3232

Re: In-Law Financial Issues (long)

UPDATE 1.) My wife and I are 100% on the same page in this matter. Ok, that makes a big difference then. If your wife feels the same was as you do, the tone of your post can be framed in the proper light. It's not just you complaining about your in-laws money issues, it's you and your wife sharing ...
by investingdad
Tue Aug 19, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4169

Re: Kids getting older, thoughts on the future

Mine are 9 and 7 and both play soccer. Their participation motivated me to get back into playing sports myself. But I hear you...the first nine and seven years have gone by pretty quickly. This is why I usually drop what I'm doing when one of them comes to me and say, "Dad...can we play [x]?&qu...
by investingdad
Mon Aug 18, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Kids getting older, thoughts on the future
Replies: 10
Views: 1990

Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I realize that investing in individual stocks is not consistent with the Boglehead philosophy, but I still maintain a small amount of money in a trading account t...
by investingdad
Mon Aug 18, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8075

Re: In-Law Financial Issues (long)

One other thing I'll add here. My wife and I will complain to each other about both our parents and the other's parents. Between us, each other's family members are fair game for criticism and complaint. We share freely with each other conversation that our parents tell us to "keep to yourself&...
by investingdad
Mon Aug 18, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4169

Re: In-Law Financial Issues (long)

I strongly suggest you have a discussion with your wife about this...they're her parents. I'd caution you to avoid saying things like, "dollars they spend now are really your dollars in the future." They don't need you to move them into a smaller house or tell them how to spend their money...
by investingdad
Mon Aug 18, 2014 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4169

Re: High School Reunions--Have you attended?

My 30th was a couple of years ago. It was to far away to attend, but I did see photo's of the event. The group photo was really confusing, it was full of old/fat/bald (or grey) men. Almost everyone in it was twenty years older than me. (I mean, I've also put on some weight since then, and may have ...
by investingdad
Mon Aug 04, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5211

Re: How many families use 529 plans?

After a lot of ruminating on 529 plans, we decided not to use them. Our kids are 9 and 7 and I do expect them both to go to college. We decided to make retirement savings our priority and will draw down from taxable accounts to pay for college.
by investingdad
Mon Aug 04, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 107
Views: 6653

Re: High School Reunions--Have you attended?

I graduated in 1991 and attended out tenth (held 1 year late) and 20th (held 2.5 years late). I won't be attending anymore. When the class officers were elected during our senior year it was really just a popularity contenst with only a fraction of the people bothering to cast votes. Said class offi...
by investingdad
Mon Aug 04, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5211

Re: Can't decide final New Construction Option for Master Ba

Our builder was very flexible and we re-did the layout completely on the bathroom. Instead of a fibreglass insert which is standard, we did the following: - reduced the depth of the linen closet by amost 1 foot and gave it to the width available for the shower - changed direction of the toilet and i...
by investingdad
Fri Aug 01, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: Can't decide final New Construction Option for Master Bath
Replies: 16
Views: 991

Re: New Construction Builder options help me decide

Basement is not finished would be an extra 12k to finish. I'd prefer to not have them finish it because they take alot of the potential sqft out of the basement with the way they place walls etc... Just a note this isn't really a sunroom although they call it that I would call it just an extension ...
by investingdad
Mon Jul 28, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 732

Re: New Construction Builder options help me decide

I'd go with the Lexington model, Elevation 6, with the sunroom. Not sure which model you're looking at or if I'm at the right ones, but that one wasn't too bad. If the Saratago, Elevation 4. Be careful with homes that have all brick or stone facade. They can be a source of water intrusion years late...
by investingdad
Mon Jul 28, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: New Construction Builder options help me decide
Replies: 8
Views: 732

Re: What amount of Earnest Money - New Pulte Home

I don't want to scare the OP, but there have been a lot of reported problems with Pulte. Make sure you understand what you're getting with them. If you do a search online about Pulte quality you get a lot of hits that are less than positive. When we built with a local builder putting up this type of...
by investingdad
Mon Jul 28, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 2019

Re: Whats a Better Lot in a Tract Home Neighborhood?

hackermb wrote:Thanks for all the opinioins/advice.

We stayed away from the "pond" and went with the walkout overlooking the woods / walking trails / ravine.

Thanks


This would have been my choice as well.
by investingdad
Mon Jul 28, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2238

Re: Kitchen Remodel... Or Not?

I would appreciate some collective wisdom on this. My wife and I live on the east coast in beautiful old home (130 yrs). We mostly love the house and completely love the location, but we hate the kitchen. We have spec'd out a kitchen remodel plan with a local remodeling firm, but I'm a bit hesitant...
by investingdad
Mon Jul 28, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2929

Re: Whats a Better Lot in a Tract Home Neighborhood?

I have experience living on a cul-de-sac in our first home and having the choice of backing to woods or a retention pond (actually, both the pond and the woods) in our second house. And we have a walkout basement. My issue with the cul-de-sac is that it served as a turn-around for a lot of people. A...
by investingdad
Mon Jul 28, 2014 8:21 am
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2238

Re: Rather be Home, Rather be at Work

Meg77 wrote: even now I appreciate the quiet organization of my workplace and day, if not the work itself.


I think is the core of it for me. The organization and structure (and quiet office) are satisfying, contributing and getting paid is a fine bonus.
by investingdad
Fri Jul 25, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3862

Tennis Players?

I started playing tennis again after taking a very long break (more than 10 years). I stopped playing out of frustration over a lingering injury that was having a detrimental effect on my game. I decided to start again primarily because I wanted the exercise and because I thought I should do somethi...
by investingdad
Fri Jul 25, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Tennis Players?
Replies: 5
Views: 743

Rather be Home, Rather be at Work

It's funny. When I'm at work I'm thinking I'd rather be at home. Or I should say, After about 6 hours I'm thinking I'd rather be at home. I'm an engineer and I do project development stuff. It's enjoyable for about 5 hours a day. Today I'm at home because the kids had a summer camp activity we reall...
by investingdad
Fri Jul 25, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: Rather be Home, Rather be at Work
Replies: 30
Views: 3862

Re: Riding the Rails--my Amtrak trip

investingdad wrote:I'm on Amtrak right now as well, Providence down to Philadelphia.


And I will add that, having taken the Acela up to Providence, that the Acela is much more comfortable. The seats do a better job of supporting you. On the regular Northeast Local I was having pain in my leg due to back problems.
by investingdad
Thu Jul 24, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9466

Re: Riding the Rails--my Amtrak trip

I'm on Amtrak right now as well, Providence down to Philadelphia.
by investingdad
Wed Jul 23, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9466

Re: If you own a car, do you have a car payment?

Hi, I bought my 2014 Nissan Altima on a loan. I could buy the car with cash. Why?? I get additional $500 cash back and the 3 years 7.5K loan is at 2.69%. Effectively, I get paid ($500 - $326) = $174 to take the loan. The loan is less than 0%. KlangFool I almost went with the Altima but I had read a...
by investingdad
Fri Jul 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7439

Re: If you own a car, do you have a car payment?

I'm financing my 2013 Maxima at 0%. Got it for 26.9K, well below sticker, because it was the base model and a left over.
by investingdad
Fri Jul 18, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 112
Views: 7439

Re: Options/guidance for a lazy person to be fit

After many years of not exercising (my 30s, basically) I've recently found as I crested 40 that the weight goes on much easier than it comes off. I don't know if you've played sports in the past, but I used to play tennis. I recently got back into game after quitting out of frustration in my late 20...
by investingdad
Fri Jul 18, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5980

Re: Why does anyone use American Express?

I have an AMEX Corporate Card because that's who are MegaCorp is tied in with.
by investingdad
Thu Jul 17, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why does anyone use American Express?
Replies: 146
Views: 25843

Re: Builder Options and Property Tax?

Wanted the boards opinion to make sure I am thinking about this correctly: In a mass produced suburb(subdivision) type development. Base house price is around 235,000 for 3100 sqft. Upgrades can take you close to 400K. When you build a house in a development your property tax valuation is set at wh...
by investingdad
Tue Jul 15, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Builder Options and Property Tax?
Replies: 9
Views: 631

Re: Birthday gift for a 10 year old girl

My daughter is 9 and my son will be turning 7. I'm an avid gamer and I have an Xbox 360. So far the only games we allow the kids to play are the ones we download for them onto a shared Kindle. If you introduce video gaming to her via a Console, make sure you understand what games she's playing. Also...
by investingdad
Sun Jul 13, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1687

Re: List of Worst financial advice (what not to do):

I don't invest because I'm not going to give the gov't one more red cent in taxes. I already pay taxes on my income, why would I invest and give them more?


(actually spoken by my mom's brother)
by investingdad
Wed Jul 09, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16316

Re: Driving from outside Philly to Florida, with 3 children.

I used to make this trip when I was a kid and I hated it. My wife and I drove it once and it wasn't too bad. We fly when we go to Florida but the kids are now 7 and 9 and could probably tolerate it with books and movies w/o being nearly as bored as I used to get. We're also outside Philly. When my w...
by investingdad
Wed Jul 09, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Driving from outside Philly to Florida, with 3 children...
Replies: 22
Views: 1830
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