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Re: Most/Least Boglehead 2014 Activity?

Most: Paid cash for a newer used car
Least: Paid cash for a newer used car
by sls239
Sat Dec 20, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 76
Views: 6799

Re: Car purchase: Buy or Finance

What fees in addition to interest are associated with the financing? I tend to think if you absolutely know you are buying brand new, that financing is often reasonable. Where paying cash can really save you money is in getting a used car (because used car rates are higher). I'd also suggest putting...
by sls239
Sat Dec 20, 2014 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car purchase: Buy or Finance
Replies: 17
Views: 1262

Re: long term capital gains in 15% bracket

What about state capital gains taxes?

They aren't as large, but in the 15% federal bracket, it is easy for state taxes to be at least half that much.
by sls239
Sat Dec 20, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: long term capital gains in 15% bracket
Replies: 5
Views: 946

Re: Don't be tempted to buy your teen a cheap (old) car, par

I'll buy the ESC, there is strong data to support that. But major safety improvements like ESC don't happen every year. Maybe not even every 10 years. Anybody in the car industry here know of anything in the pipeline that would even approach the breakthrough that ESC was? And I can't help but think ...
by sls239
Sat Dec 20, 2014 12:49 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 52
Views: 3148

Re: Replacement Car Savings

How funny - up until last week I had a 2003 Civic and was dithering the same way about trying to wait it out for the Tesla. My car actually needed a substantial repair though, so that tilted in favor of go ahead and getting a newer car. I switched to a 2013 Mazda 3. When I did the math, the Mazda 3 ...
by sls239
Fri Dec 19, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Replacement Car Savings
Replies: 11
Views: 1521

Re: Home Mortgage payoff

When do you expect your next car purchase? (For you, SO, or kids)

If I had to choose between a mortgage at a fixed 3.37% and a car loan at some yet to be determined future interest rate...
by sls239
Fri Dec 19, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage payoff
Replies: 22
Views: 2425

Re: In the event that your employer is hacked...

Honestly - I think everyone should probably behave as if someone already does have their data. Obviously once someone has your data, it can't be undone, you have no control over where it goes after that. There are enough old doctors offices and what not such that much of your data was never secure t...
by sls239
Wed Dec 17, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: In the event that your employer is hacked...
Replies: 5
Views: 863

Re: funds which glide in <10 years

If you look at what you are suggesting, it is essentially a 50/50 split on average. But instead of trying to predict what the market is going to do (and 6-8 years is a very narrow time window for predictions), you could just do the 50/50 split from the get-go. I see no reason to think that it is mor...
by sls239
Tue Dec 16, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: funds which glide in <10 years
Replies: 7
Views: 933

Re: Car buying questions ...

I think this depends on what state you are in. I bought a newer car last week. I looked up pretty much the exact vehicle I wanted and went to the dealer that had it. We basically talked in terms of out the door prices the whole time, including my trade in. In this state you don't pay taxes or whatno...
by sls239
Tue Dec 16, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Re: Car buying questions ...
Replies: 10
Views: 1745

Re: Camcorder vs. iPhone vs. DSLR Camera

Honestly, so many parents have DSLRs and can e-mail you the pictures. (And many parents don't know how to use them or forget their manners when they are using them.) Also, there is professional photography. What you get with a good camcorder is good sound. Those first sounds and early attempts at sp...
by sls239
Tue Dec 16, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 38
Views: 1836

Re: How do you contribute to your IRA?

Crazy hybrid method.

$550 / month, 10 months of the year.
by sls239
Thu Dec 11, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1645

Re: Pay down mortgage or do nothing?

Not claiming extravagant math skills but 4% (Or even 3.75% if you get the tax deduction) is higher than the 20 year treasury rate so I think the extra $166 / month makes sense for now.

You can always stop paying extra if rates go higher.
by sls239
Wed Dec 10, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay down mortgage or do nothing?
Replies: 27
Views: 2408

Car Repair

There are various "rules of thumb" about how much to spend repairing a car versus how much the car is worth. But I'd like to question the validity of that. Given two identical cars, but one needs a $3K repair at 5 years old, when the value of the car itself is still reasonably high, but th...
by sls239
Mon Dec 08, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Repair
Replies: 1
Views: 339

Re: High(ish) earner; spending too much?

Do you have financial goals beyond funding your retirement?

For example are you interested in a significant amount of charitable giving or would you like to start your own business, make your money active in politics (perhaps run for office yourself), or anything along those lines?
by sls239
Mon Dec 08, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: High(ish) earner; spending too much?
Replies: 70
Views: 7917

Re: Youngster talented in science and math

Those who attend specialty math science high schools are probably working on or towards already doing original research. I think that most of what has been suggested is probably either tangential to his research interests or well below his level. So I would actually head in a different direction, an...
by sls239
Mon Dec 08, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Youngster talented in science and math
Replies: 47
Views: 3300

Re: Why So Many Used Prius for Sale?

Any 1st generation Prius owners out there? My 2002 Prius has 144,000 miles. Averaging about 44-45 mpg these days. Recently switched to a harder tire (Michelin Defender) from the OEM Bridgestones in an effort to approve tire longevity. Slight mpg hit but the tires are definitely wearing better. Not ...
by sls239
Sat Dec 06, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Why So Many Used Prius for Sale?
Replies: 51
Views: 6832

Re: Am I being cheap?

Is this or is this not the ring she expects to wear every single day for the rest of her life?

I don't wear a ring, but if I did, I would not think that $2k-$5K was too much given the amount of use.

But I don't think going into debt to pay that is a good idea. Just save up.
by sls239
Sat Dec 06, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 8799

Re: Fly or drive? Not just time vs. money anymore

With two adults and a newborn traveling in the winter, flying is probably easiest. I don't happen to think a connection is a big deal either. I would rather be stuck in an airport (newborn needn't be strapped into anything) waiting for a connection than stuck on the highway (with the baby strapped i...
by sls239
Thu Dec 04, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4565

Re: Auto and Home Insurance Quotes

AAA

They run credit for a discount off rates, but I've been in 3 different states and AAA has consistently been cheapest.
by sls239
Wed Dec 03, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Auto and Home Insurance Quotes
Replies: 14
Views: 1155

Re: Lenovo vs Surface Pro 3

I got the Lenovo with the I3 processor in June. The Surface is nice, but the price difference, especially considering you have to buy the keyboard separately just wasn't going to happen. The only glitch I've had is that in "tent" mode the screen keyboard doesn't want to let me login to Win...
by sls239
Mon Nov 17, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Lenovo vs Surface Pro 3
Replies: 20
Views: 1626

Re: Is buying organic worth it financially in the long term?

I think a good organic certification (preferably beyond the USDA) is worth it for meats because of the antibiotic issue and the "closing the circle" issue. And for now, I'm sticking with organic dairy because I think there is rampant lying about rBGH use in conventional milk production and...
by sls239
Fri Nov 14, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Is buying organic worth it financially in the long term?
Replies: 124
Views: 7431

Re: Boglehead family vacations

Spring break is actually a good time to visit the Grand Canyon weather wise or anything else in the desert you might want to see. For a cruise - there are two times when you can get the best prices - one is right when the dates become available, more than a year in advance, and the other is "la...
by sls239
Thu Nov 13, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 4170

Re: 1276% toll admin fee from Dollar. 86% of rental cost

I'm not seeing what you are seeing. The road that goes smack down the middle of DFW is a toll road. The toll part, afaik, starts as soon as you get on that road, but I've only been on the north end of it. If there's some secret south entrance I don't know about, I'd love to know. Edited - apparently...
by sls239
Mon Nov 10, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 9613

Re: 1276% toll admin fee from Dollar. 86% of rental cost

There is no way to leave DFW except on a toll road. A car renter at that airport has no choice. I don't know how this could possibly be "well-marked" before it is too late to do anything about it. And I'd be willing to believe that the representatives at the Dollar counter at the airport d...
by sls239
Mon Nov 10, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 9613

Re: Messy baby restaurant etiquette

I did (do) small small portions. I'll start with 1 bite of something new to try. 4 bites if I already know they like it. Even messy food is manageable in such small amounts. I tend to clean a bit as I go too.
by sls239
Mon Nov 10, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4768

Re: Great camera to take pics?

We bought a Canon sx700 hs. It is small, has 30X zoom, the flash is pretty strong, and takes great pictures. For low light, you have 3 options in order of increasing price 1) a tripod with a longer exposure - good for stationary subjects 2) a camera with a hot shoe and a stand alone or add on powerf...
by sls239
Sat Nov 08, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 5440

Re: When do you buy a new home computer?

On a laptop, I'd replace a battery, but buy a new on the first time another component showed signs of being unreliable. They are still improving things like power usage, weight, display, touchpads, and so forth even if raw processing needs have leveled out. My desktop is more than 8 years old and I'...
by sls239
Sat Nov 08, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4579

Re: Bond funds as a savings vehicle?

I don't use bond funds, I do use I-bonds.

Part of that is because we have a state income tax.
by sls239
Thu Nov 06, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds as a savings vehicle?
Replies: 19
Views: 1749

Re: Ashley Furniture

We bought a sofa and loveseat from Ashley 12 years ago. They are still OK. The fabric, a twill, has actually held up really well. The cushions however are getting somewhat uneven.
by sls239
Tue Nov 04, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Ashley Furniture
Replies: 42
Views: 3442

Re: Coupons? Do you live by them?

There are some that I get in the paper that are pretty good. There are coupons for Sonicare toothbrush heads, Alcon saline, and Lactaid that are a few bucks. But when it comes to savings, shopping the meat/seafood sale items at Whole Foods is the best bang for the buck, when compared to their regula...
by sls239
Mon Nov 03, 2014 8:38 am
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 66
Views: 4179

Re: Seeking recommendations for a new dishwasher

We moved into a house with a Kitchenaid dishwasher. It is very quiet and gets the dishes clean. But the problem is that the dishes don't fit well in the dishwasher, especially the bowls. It would be fine if all our dishes were plates, but they aren't. And it has broken more dishes than my 8-year-old.
by sls239
Mon Nov 03, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Seeking recommendations for a new dishwasher
Replies: 15
Views: 1053

Re: Trick or Treating Minimum Requirements

I just fill the bowl I don't count. Then when son gets back, I'll put some of that in the bowl and "re-gift." And I don't just hand out candy - I've got bubbles, bouncy balls, tattoos, glow in the dark rings, who knows what else.
by sls239
Fri Oct 31, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Trick or Treating Minimum Requirements
Replies: 20
Views: 1372

Re: Apple Pay, Google Wallet, credit, and us

If Apple Pay were more prevalent, I'd be very tempted to get the Apple watch. I like the thought of not having to carry anything.
by sls239
Fri Oct 31, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9093

Re: A Little Common Core Math problem

I would expect a 4th grader at this time in the school year given this problem to probably draw a picture or array. I would not necessarily expect them to go straight to writing equations and solving for the variables. The babysitters at the Y I would expect to have a lot of math anxiety as many hav...
by sls239
Thu Oct 30, 2014 2:59 pm
 
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 2945

Re: The safest 4 door sedan out there

The safest 4 door sedan is the one parked in a garage.
by sls239
Wed Oct 29, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: The safest 4 door sedan out there
Replies: 74
Views: 4632

Re: Arkansas Resident: Arkansas vs Utah 529

When I moved to AR I did a calculation about the tax deduction. I came up with about 7 years being the limit to how long it would take the higher expenses to eat up the tax deduction for us. But I suspect that even Utah's 529 has higher expenses than my Vanguard ESA, so YMMV. However, there is the &...
by sls239
Wed Oct 29, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Arkansas Resident: Arkansas vs Utah 529
Replies: 3
Views: 360

Re: New appliances - Stainless Steel or not?

Do you already have the appliances picked out and are just choosing the color? When we went fridge shopping, the fridge we picked was on sale but they only had it in stainless. I don't spend excessive amounts of time cleaning the outside. I just swipe horizontally instead of every which way that you...
by sls239
Wed Oct 29, 2014 8:47 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3539

Re: Most financially economical choice for a car

A 2012ish Mazda 3 hatchback.

If I had to buy today.
by sls239
Tue Oct 28, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4718

Re: Pension Early Buyout Offer

You probably need to look at how the different scenarios play out for your wife and child. Particularly what would happen if you died young. Many plans offer survivor benefits, but if you die young, then the monthly payment gets calculated as if you took the pension early, with extra penalty if the ...
by sls239
Tue Oct 28, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Early Buyout Offer
Replies: 20
Views: 1993

Re: Do you regret buying your home?

No house is perfect. So of course I have regrets that may or may not be rooted mostly in fantasy instead of reality.

But I do not in general regret buying my home.

There's no crazy lady on the first floor to burn the place down like there was in one apartment I rented.
by sls239
Thu Oct 23, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7230

Re: Why include International Index in AA?

It doesn't increase risk because plenty of international companies do a lot of business in the US. When vanguard did the analysis, it looked like you could capture most of the diversification benefit of international stocks with it just being 20% of the stock allocation. I happen to like the idea of...
by sls239
Tue Oct 21, 2014 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why include International Index in AA?
Replies: 39
Views: 2883

Re: What Are We Doing To Our Young Investors?

It eliminates the illusion that what is automatically chosen will be specifically appropriate for that person. TR funds imply they are appropriate for people in that age range. Balanced fund makes no such claim. Also, if you take this fact from the article as true With growing use of automatic enrol...
by sls239
Tue Oct 21, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4222

Re: What Are We Doing To Our Young Investors?

I can agree that the automatic enrollment option should probably not be a TR fund, but rather something more like a balanced fund.

Just because these funds are marketed towards people of a certain age, that doesn't mean that they are appropriate for someone because they are that age.
by sls239
Tue Oct 21, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4222

Re: Buying a house without a realtor

Where I live, if you only went by signs, zillow, or even MLS, you'd miss the best houses. It is rare to see a "for sale" sign without the "sold" part on top. The realtors mostly just use it to advertise themselves. The ones that do have "for sale" signs that aren't alre...
by sls239
Mon Oct 20, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2892

Re: Smartphone questions

The Samsung Ativ (Windows phone) has a replaceable battery and is cheap. We did Windows phones because my spouse's work uses an exchange server so having Outlook on the phone is more convenient. I have to say I honestly don't get all the fuss about Apple and Android, but perhaps I just don't know wh...
by sls239
Sat Oct 18, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 9876

Re: When can I afford to buy a home?

I would suggest that you first work on putting 20% of your income towards savings - 15% towards retirement at least, and the rest towards an emergency fund or general savings. IMO, that means that for now, you should be focusing on reducing your expenses not increasing them. However, understand that...
by sls239
Sat Oct 18, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2671

Re: Sixth anniversary of worst week ever for stocks

Other than being short on money, I can't tell I did anything differently with the accounts.

But as you can see, I joined Bogleheads on October 23rd, 2008. I clearly wanted a steadying influence.
by sls239
Fri Oct 10, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sixth anniversary of worst week ever for stocks
Replies: 51
Views: 5595

Re: Wife Expecting, Down to One Income Source

Yeah we made it work. And I mean made it work. I planned to be off for a year and then find a job with a shorter commute. I had a job offer in hand the day DHs employer announced they were shutting his plant. So we relocated and when DS went to school, I got a job. And shortly thereafter DHs employe...
by sls239
Wed Oct 08, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 9060

Re: When people put all their eggs in the wrong basket

I worked at Worldcom the summer between high school and college. Many people there had stock options and were thinking about taking them, but were saying that the stock price was only $86 - they had me post it every day - and that it had been $95. I really really hope they did take them in time.
by sls239
Wed Oct 08, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 29876
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