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Re: is 4gb memory, 500gb hd adequate for new desktop?

There will likely be a performance difference between 4gb memory and 8gb. 8gb is a reasonable minimum these days. Memory that is compatible with your computer will become more expensive with time, so better to buy more now. Unless you are going to wait >5 years to upgrade your memory, memory will c...
by strafe
Sat Mar 08, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1873

Re: is 4gb memory, 500gb hd adequate for new desktop?

There will likely be a performance difference between 4gb memory and 8gb. 8gb is a reasonable minimum these days. Memory that is compatible with your computer will become more expensive with time, so better to buy more now. HD size won't affect performance. Your need for storage will depend on the e...
by strafe
Sat Mar 08, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: is 4gb memory, 500gb hd adequate for new desktop?
Replies: 56
Views: 1873

Re: Is there Software for one's car maintenance schedule

Sounds like you need a calendar app with reminder features

- Mac comes with one of the box
- any smartphone
- most webmail services (ie gmail)

Obviously any software you use will time based. Choose a frequency that approximates miles driven. Use the "snooze" feature if too early.
by strafe
Fri Mar 07, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 3057

Re: Comparing lease deal to 0.09% financing on car

[ ... ] For the OP, don't forget the con of leasing that the car needs to be returned in good shape, one curb scrape under the bumper, a long scratch (emphasis on long, BMW was rather forgiving), or something like that and you're out 500 bucks. Of course a bonus is if you have an accident and the c...
by strafe
Thu Mar 06, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Comparing lease deal to 0.9% financing on car
Replies: 21
Views: 952

Re: Comparing lease deal to 0.09% financing on car

A lease is a car purchase, a balloon loan, and future car sale all wrapped into one transaction. Separating the above into separate transactions may or may not save you money. It depends on the particulars of the lease program. A few months ago I ran a number of "present value" scenarios w...
by strafe
Thu Mar 06, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Comparing lease deal to 0.9% financing on car
Replies: 21
Views: 952

Re: Used $35k Porsche on $64k income?

I am shocked at the responses to this thread. Did anyone who responded actually read the original post? It's like you all read the word "Porsche" and shut your brains off. The original poster stated clearly that he is not the person buying the car, but all the feedback is directed at him a...
by strafe
Tue Mar 04, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6412

Re: Used $35k Porsche on $64k income?

Why all the naysayers? His overall expenditures are low relative to his income. The 997 probably isn't going to depreciate much more. He should be able to sell it for very close to that in a few years, once the kids arrive. I see nothing wrong with this. Sounds like he can afford to buy the car and ...
by strafe
Mon Mar 03, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6412

Re: Cancellation fee from health provider - feeling ripped o

It sounds like you might be talking about a chiropractor. In that case, remember that the perceived benefit we derive from placebo is proportional to the price we pay. So you should be feeling $65 better. (If it''s PT/OT, please disregard. )
by strafe
Mon Feb 17, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Cancellation fee from health provider - feeling ripped off
Replies: 30
Views: 2060

Re: Leased a new car -- now what?

OP: You should change the title to "FLEECED a new car -- now what?" I've run detailed lease vs buy analyses, mostly for BMWs, and found that in many cases leasing (even "serial" leasing) is superior to buying in many instances. Obviously it's cheaper to buy and hold a car for 10...
by strafe
Sat Feb 15, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leased a new car -- now what?
Replies: 20
Views: 2518

Re: POLL: Is someone in your family a member of this Forum?

I am curious how many people here have someone in their family who is also a Boglehead Forum member. If so, do you know their user name? For the purpose of this poll, family includes those related by blood or marriage. You can include your ex-spouses. Victoria Cousin Victoria???? Is that you??
by strafe
Wed Feb 12, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Is someone in your family a member of this Forum?
Replies: 36
Views: 1908

Re: Which mortgage to pay off ?

Mortgage debt on a rental property offsets rental income dollar for dollar. Mortgage debt on a primary residence offsets your income at your marginal tax rate. Typically holding a mortgage on a rental property makes more sense than holding a mortgage on your primary residence. I did the math, at le...
by strafe
Sun Jan 19, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage to pay off ?
Replies: 10
Views: 675

Re: Cat teeth cleaning cost in San Diego

How much does a new cat cost? :wink: What a shameful comment! Pets are not expendable. I hope you don't have any. I put the wink in there so that those with under-developed senses of humor would know that I was not serious. I just came across a thread on this forum discussing the monetary value of ...
by strafe
Sat Jan 18, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1279

Re: Cat teeth cleaning cost in San Diego

How much does a new cat cost? :wink:
by strafe
Sat Jan 18, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1279

Re: Ordering tires from Costco

So I went back to Costco and even though they have the Serenity Plus, it appears it is being discontinued in my size so the hunt begins again. It's really hard to find tires in this size, they only have 2-3 options they can get in this size. Michelin Primacy MXM4, Michelin Pilot Sport A/S 3 and he ...
by strafe
Mon Dec 23, 2013 7:35 pm
 
Forum: Personal Consumer Issues
Topic: Ordering tires from Costco
Replies: 25
Views: 3033

Re: Ordering tires from Costco

There's nothing wrong with having Costco special order a tire. They can't stock every possible size combination in the store. (The disadvantage of having an uncommon tire size is that it can be hard to get a replacement on short notice.) The Bridgestone Turanza Serentiy Plus is a fine tire and compa...
by strafe
Fri Dec 13, 2013 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Ordering tires from Costco
Replies: 25
Views: 3033

Re: Should I sell my car?

Personally, I'd check to see if the Lexus demands expensive parts compared to a non-luxury vehicle. If so I'd sell it even though I do my own maintenance. Luxury cars tend to have very expensive parts for no other reason than being a luxury vehicle. However, I wouldn't sell it and significantly inc...
by strafe
Sun Nov 24, 2013 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I sell my car?
Replies: 20
Views: 1474

Re: comments on small luxury SUV options? Want safer auto.

From your list, I would choose the Audi Q5. Acura RDX second pick. I would add the Mercedes GLK to your short list. Like the Q5, it's also now available with a diesel engine that has great power and great fuel economy. The Escape is not in the same league as these other vehicles. The BMW X1 price se...
by strafe
Mon Nov 11, 2013 8:56 pm
 
Forum: Personal Consumer Issues
Topic: small luxury SUV options? EDIT: the hunt is over
Replies: 31
Views: 3300

Re: Have you ever used your credit card's warranty extension

Yes, with AmEx. Imac hard drive failed. They paid the $400 bill (outrageous apple markup for a $75 drive) without hassle.

The Amex process is more streamlined than visa/mc from my experience.
by strafe
Thu Nov 07, 2013 9:16 am
 
Forum: Personal Consumer Issues
Topic: Have you ever used your credit card's warranty extension?
Replies: 27
Views: 2354

Re: Which car should I keep?

I don't think you can make a wrong decision here. Both options are reasonable. I personally would keep the Camry. If this were the new model Accord, I would feel differently. With the low mileage on the Accord, I would see what Carmax will offer you for it. Might be worth selling to them if you can ...
by strafe
Tue Oct 29, 2013 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Which car should I keep?
Replies: 26
Views: 1496

Re: OK for lower earning spouse to take Social Security at 6

It might be worth buying ESPlanner to calculate the optimal (expected) choice. My understanding from modeling a similar situation for family members is that low earning spouse should file at 62, and the higher earning spouse file twice for benefits: first for spousal benefits at 66 and at then for t...
by strafe
Sat Oct 26, 2013 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: OK for lower earning spouse to take Social Security at 62?
Replies: 14
Views: 1441

Re: 2014 MDX

Agree with you on both fronts. The 18" wheels will ride better and cost less. The handling improvement with 19" is probably minimal (owing more to the higher performance tires spec'd in that configuration than the actual size of the tire). If you decide you want better handling, you can bu...
by strafe
Thu Oct 24, 2013 7:59 pm
 
Forum: Personal Consumer Issues
Topic: 2014 MDX
Replies: 16
Views: 1300

Re: Remove PMI or Invest Elsewhere?

Appreciate all the feedback. I never thought of it as a 7% return but that's true. What's been holding me back is the 30K is a pretty huge chunk of money and I'm still a bit scarred from the housing market crash in 2008. We bought the house in 2007 and saw the value fall. Property values do seem to...
by strafe
Wed Oct 23, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Remove PMI or Invest Elsewhere?
Replies: 14
Views: 1344

Re: New baby, switching insurance plans retroactively

Be very careful. Is your wife on the same plan as you, or do you have separate coverage? ... If you're all on the same plan, though, it should be relatively simple for the insurance to re-run the claims against the right plan. Just make sure you document everything. Yes, we're all the same plan. BT...
by strafe
Wed Oct 16, 2013 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby, switching insurance plans retroactively
Replies: 7
Views: 346

Re: New baby, switching insurance plans retroactively

Thanks, all. The bill could be more than I expect if it turns out they the baby's short trip to the special care nursery results in another $500 deductible + raising the 10% coinsurance limit by another $2,000. I'm inclined to stay on the current plan and avoid the hassle.
by strafe
Wed Oct 16, 2013 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby, switching insurance plans retroactively
Replies: 7
Views: 346

New baby, switching insurance plans retroactively

We have a new addition to the family! My wife delivered our first child last week. I need some advice about switching health insurance plans. I have 30 days to add the baby to the health insurance AND, if desired, switch plans retroactively effective the baby's birth date (the 11th). I'm considering...
by strafe
Wed Oct 16, 2013 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: New baby, switching insurance plans retroactively
Replies: 7
Views: 346

Re: Attic Sealing & Insulation...

Your HVAC system should have been designed/sized such that it maxes out on a 95 degree day to maintain 75 degrees indoors (at 50% relative indoor humidity) with the insulation you already have. Barring some major defect in the insulation, if you're unable to maintain 75 degrees when it's cooler than...
by strafe
Tue Sep 03, 2013 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Attic Sealing & Insulation...
Replies: 40
Views: 3013

Re: My new dishwasher doesn't clean

This is the problem with buying an energy saver dishwasher. You end up using more water & energy because everything needs to be rewashed or because you're forced to pre-rinse in the sink more thoroughly. The EPA restrictions apply to the normal mode. Use the "heavy duty," overnight, or...
by strafe
Sun Jul 14, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: My new dishwasher doesn't clean
Replies: 35
Views: 2930

Re: Cheated on car service?

Correct. That means they didn't rotate the tires. (Unless you have staggered wheels with directional tires, in which case they had to unmount the tires from the wheel to rotate them.)
by strafe
Fri Jun 14, 2013 3:09 pm
 
Forum: Personal Consumer Issues
Topic: Cheated on car service?
Replies: 24
Views: 1990

Re: Auto purchase question - will own for 13 months

You should get a 13 month lease. Not worth the hassle of buying and selling.

Also check out lease trader.
by strafe
Thu Jun 13, 2013 9:37 pm
 
Forum: Personal Consumer Issues
Topic: Auto purchase question - will own for 13 months
Replies: 9
Views: 790

Re: Whole Life - Mess - Any way out?!?

Was the possibility of a "1035 exchange" of the net balance ($12k) into a low cost variable annuity ever explored? If feasible, that is the route I would take assuming it solves the tax issue.
by strafe
Tue May 14, 2013 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life - Mess - Any way out?!?
Replies: 93
Views: 5818

Re: electrical outlet splitters(?)

You won't lose GFI but depending on how the splitter is designed, you might have to unscrew/unplug it in order to access the GFI test & reset switches.
by strafe
Wed May 08, 2013 10:38 am
 
Forum: Personal Consumer Issues
Topic: electrical outlet splitters(?)
Replies: 20
Views: 2112

Re: Payoff Car loan 0.9%?

There's a psychic benefit from being debt-free. But paying off the car wouldn't make you debt-free; you'd still have mortgage. Certainly the rate on your mortgage is greater than 1%, so if you pay off any debts, it should be principal reduction payments to the house. If your mortgage is inexpensive ...
by strafe
Wed May 01, 2013 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Payoff Car loan 0.9%?
Replies: 34
Views: 2362

Re: harvard med school vs. penn med+full tuition scholarship

I agree with the Harvard MS poster above who said if you're interested in clinical care take the free ride at Penn, but if you're interested in business, and academia go to Harvard, especially if you have a weaker undergrad school name on your diploma. Harvard will expose you to a higher caliber of...
by strafe
Sat Apr 20, 2013 5:30 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 9961

Re: Amica Umbrella Insurance - major rate hike

If you happen to call them up and ask why the increase, please share the answer--that would be useful information for others going forward. I contacted Amica. The rate hike is due (a) changes in their rate schedule / underwriting and (b) the addition of the 3rd vehicle. Time to start comparison sho...
by strafe
Wed Apr 17, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica Umbrella Insurance - major rate hike
Replies: 26
Views: 2389

Re: Amica Umbrella Insurance - major rate hike

And what kind of vehicle was it? :) It was a 1985 Mercedes. The liability coverage for that car on the auto policy is the least expensive of my vehicles. I carry all my insurance including some term life with amica. If i can get the total package for substantially less elsewhere, they may lose a lo...
by strafe
Wed Apr 17, 2013 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Amica Umbrella Insurance - major rate hike
Replies: 26
Views: 2389

Re: harvard med school vs. penn med+full tuition scholarship

Go with Penn, no question. It does not matter where you go to school. Board scores, letters, grades, and emotional intelligence are all that matter. I went to a med school in the US News bottom quartile (by choice). When I applied for residency, i got interview offers at every program to which i app...
by strafe
Wed Apr 17, 2013 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: harvard med school vs. penn med+full tuition scholarship
Replies: 115
Views: 9961

Amica Umbrella Insurance - major rate hike

I just received my renewal for my Amica umbrella insurance policy. Have been insured with them since 2010. The premium increased from $183/yr to $323/yr. Am in NC. Anyone else have a similar rate hike? I added a 3rd vehicle to my auto policy, which perhaps is the source of some of the increase. I li...
by strafe
Tue Apr 16, 2013 11:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amica Umbrella Insurance - major rate hike
Replies: 26
Views: 2389

Re: Keep Old Car or Buy Newer Used Hybrid

Hybrids depreciate just as fast (if not faster) than conventional counterparts. I don't have the source handy (you may be able to locate it on google) but found this to be true also in my independent analysis. The high resale value of the Prius reflects that it is a Toyota not a hybrid. Look at used...
by strafe
Thu Apr 11, 2013 2:05 am
 
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 1860

Re: If you need to know about car problems

The issue with a site like that is that complaints will be registered according to that car's market share amongst whiners multiplied by the defect rate. Here's a similar site for Vanguard. Would you make your decisions based on that? http://vanguard-group.pissedconsumer.com/ You should use a source...
by strafe
Mon Mar 18, 2013 5:38 pm
 
Forum: Personal Consumer Issues
Topic: If you need to know about car problems
Replies: 3
Views: 565

Re: Broke New Doctor Needs New Car! How?

In my book, there's no question what you should do: Walk to your local Hyundai dealer and lease a new Sonata. Other brands may have similar sticker prices but Hyundai seems more negotiable, and the warranty is unbeatable Your time is too valuable to be dealing with buying/selling/repairing a used ca...
by strafe
Mon Mar 18, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Broke New Doctor Needs New Car! How?
Replies: 59
Views: 4290

Re: health insurance - billed vs what insurance pays doc

bluemarlin08 wrote:How much is your deductible and coinsurance? Somethings seems very wrong if that is all that is due unless it is a very low deductible.


The OP is talking about allowable charges. Deductible/coinsurance don't affect that.
by strafe
Fri Mar 15, 2013 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: health insurance - billed vs what insurance pays doc
Replies: 26
Views: 1400

Re: New Auto: One payment lease vs. buy outright?

1). You will pay interest on the residual value (which you are borrowing for 3 years). It's not a free lunch. 2) if a leased car is totaled or stolen, insurance will pay off the lease but not reimburse your down payment. Since you're putting 100% down, you could lose nearly all of your down payment ...
by strafe
Mon Mar 11, 2013 10:11 pm
 
Forum: Personal Consumer Issues
Topic: New Auto: One payment lease vs. buy outright?
Replies: 12
Views: 2123

Re: Mortgage options -- thoughts?

Grt2bOutdoors gave you the best answer. You have to look at the marginal cost of borrowing part of the down payment. You have to think of it as two loans -- the first 80% and then the amount beyond that. The marginal cost of borrowing beyond 80% LTV is approximately the following depending on your m...
by strafe
Fri Mar 01, 2013 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage options -- thoughts?
Replies: 21
Views: 1254

Re: 84 year old help

If she is that risk averse, consider purchasing an immediate annuity. A $1,000/month annuity (roughly equal to her expenses above and beyond social security) at her age costs about $100,000 -- a little more if you opt for a beneficiary payout guarantee. That frees up the remainder of the portfolio f...
by strafe
Wed Feb 13, 2013 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 84 year old help
Replies: 19
Views: 1730

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

100% equities is perfectly reasonable for an investor in the accumulation phase. In fact, the optimal allocation is >100% for young investors (I.e. leveraged). High volatility works to your advantage as an accumulator. The risk-dampening characteristics of periodic investing over a lifetime (vs a lu...
by strafe
Fri Feb 08, 2013 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 12927

Re: Vanguard study on high yield

[...] Vanguard rates the risk potential of their HY bond fund (VWEAX) a 3 as compared to a 2 for their total bond index (VBTLX)and a 4 for the total stock market (VTSAX). So HY is more risky than the total bond but less risky than total stock. However, the HY bond has also outperformed total stock ...
by strafe
Wed Jan 23, 2013 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard study on high yield
Replies: 22
Views: 2580

Re: Would I save money trading in BMW for cheaper new car?

I own an '85 & ''98 Mercedes and have averaged less than $1800 a year for repairs/maintenance for both cars combined over the past 10 years. I change the oil myself, about once a year. I would keep the BMW. The E90/92 328 is a pretty reliable car. The cost of ownership of your used BMW likely to...
by strafe
Mon Jan 14, 2013 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Would I save money trading in BMW for cheaper new car?
Replies: 13
Views: 1008

Re: Looking for a camera.......a simple camera

How about iPhone (or any other smartphone with a high quality camera)? The picture quality of my iPhone far exceeds my old point & shoot stand-alone camera.
by strafe
Tue Oct 16, 2012 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Looking for a camera.......a simple camera
Replies: 7
Views: 564

Re: Lay Z Boy and Dining Room Table - questions

I thought this was going to be a thread about parking two amazingly-good-looking Lay-Z-Boy recliners at the dining room table -- a Bogleheadish move that would save you at least $100,000*. *assuming you invest an amount equal to the cost of 2 dining room chairs in an equity index fund and let it gro...
by strafe
Mon Oct 15, 2012 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lay Z Boy and Dining Room Table - questions
Replies: 9
Views: 833

Re: Buying a Certified Pre-Owned BMW

The fuel pump issue is a non-issue. It costs at most $400 to replace out of pocket. More importantly, it is covered under the original BMW warranty for 10 years/120k miles regardless of CPO status. The more expensive repair is the turbo wastegate, which is prone to failure on the earlier models (pri...
by strafe
Sat Oct 06, 2012 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Certified Pre-Owned BMW
Replies: 54
Views: 6836
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