Search found 1349 matches

by Alexa9
Mon Jul 02, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3772

Re: Recommend a vehicle for $24,000 or less

So how does one find newish lease turn ins? M Cars.com allows you to search within a reasonable radius for 3 year old cars under 36k miles. Whether it's a lease or someone who just wants to upgrade, let them take the big depreciation hit in the first 3 years. Most vehicles depreciate somewhere arou...
by Alexa9
Mon Jul 02, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Recommend a vehicle for $24,000 or less
Replies: 47
Views: 3772

Re: Recommend a vehicle for $24,000 or less

I would buy a used 2014-2016 Camry or Accord. That way you can afford leather seats and more features. You should be able to find a cream puff lease turn in for around $15-20k. Then I'd spend the saved money on a set of snow tires and steel wheels to swap in November and April. The 2018 Camry/Accord...
by Alexa9
Sun Jul 01, 2018 6:26 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4664

Re: Retiring in Michigan (Ann Arbor)

U of M is a great school but I wouldn't want to live in Ann Arbor unless I was going to school there. I would visit Traverse City in Northern Michigan. I think it is much preferable for retirees. Quieter, safer, less expensive, Lake Michigan, Sleeping Bear Dunes, wineries, more conservative. Winter ...
by Alexa9
Sat Jun 30, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to invest in bonds?
Replies: 39
Views: 4812

Re: Is it ok to invest in bonds?

Bonds are a safety place that still accumulate a fair amount. They have underperformed stocks significantly over most long and short term periods. Past performance doesn't equate to future performance. Bonds have outperformed stocks in bear markets even over 10 year periods. They provide a rebalanci...
by Alexa9
Sat Jun 30, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3953

Re: Anyone Tried Youtube TV Yet?

Youtube TV is missing quite a few channels. I don't really care but family members watch a lot of shows. If they offer different packages like Cable I might be swayed. Also the picture quality is not as good. Streaming can't quite seem to compete with a wire yet. If they offered Google Fiber Interne...
by Alexa9
Fri Jun 29, 2018 10:16 pm
Forum: Personal Consumer Issues
Topic: What is a good travel website these days?
Replies: 12
Views: 1648

Re: What is a good travel website these days?

What hub is near you? What city are you flying to (and what hub are they)? I would lean towards getting a sign up bonus for a free or discounted flight whether it's a specific airline (Delta, AA, United, etc.) or generic travel card (Chase Sapphire, AMEX Platinum/Gold, Capital One Venture, Barclay A...
by Alexa9
Fri Jun 29, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5446

Re: Why visa

I rank payments: 1. Visa: best perks = Chase Sapphire Reserve > AMEX Platinum 2. Mastercard: very close to Visa, practically identical, may have slightly fewer perks 3. AMEX: less accepted, good rewards 4. Discover: least accepted at Mom and Pops, decent rewards, easy to obtain as first card 5. Debi...
by Alexa9
Thu Jun 28, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Is there literature for a topic like this..
Replies: 9
Views: 968

Re: Is there literature for a topic like this..

Behavioral finance/economics https://www.bogleheads.org/wiki/Behavioral_pitfalls
Cognitive Bias https://en.wikipedia.org/wiki/List_of_cognitive_biases
Predictably Irrational by Dan Ariely
Tons of economic books that tie in with psychology out there
by Alexa9
Thu Jun 28, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: should I Help family member with investments?
Replies: 13
Views: 1412

Re: should I Help family member with investments?

I would do it but if you're hesitant: refer her to this site or The Boglehead's Guide to Investing.
by Alexa9
Thu Jun 28, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: New car dealer pricing
Replies: 44
Views: 2504

Re: New car dealer pricing

Tell several dealers the most you'll pay OTD and that you're in no hurry. One of them will eventually bite.
There are several ways to get a better price whether it's last year's model, end of the year, end of the month, unpopular car, unpopular color, etc.
by Alexa9
Wed Jun 27, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7164

Re: Are we just way over complicating this?

I notice this with news articles as well. Last week coffee is the devil! This week it cures cancer and heart disease. It's the same thing on here with small cap value and other debates. I would rather hear both sides however than be oblivious to it all. I think it's good to disconnect from all media...
by Alexa9
Wed Jun 27, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6218

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Did you actually read the original post? OP's specifically not looking for the "trucker's truck." The Ridgeline is quite capable for the OP's use case. If a truck with 1500 lbs of payload will do (OP's looking for 1000), why get something that will be thirstier on fuel and handle and ride poorly? Y...
by Alexa9
Wed Jun 27, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: Vintage brands
Replies: 15
Views: 1446

Re: Vintage brands

Here are the oldest brands: https://www.huffingtonpost.ca/2016/01/21/world-oldest-brands-survival-tips-infographic_n_9034564.html I use mostly new and improved brands :P Here's some old threads on brands (pretty popular subject and opinionated): https://www.bogleheads.org/forum/viewtopic.php?f=11&t=...
by Alexa9
Tue Jun 26, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6218

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

IMHO that's not the smartest way to shop for cars or anything else. Just because Chevy and Ford make the most of something doesn't mean they make the right truck for a particular use case. In fact, it's because Honda didn't make a pickup until the Ridgeline (first gen came out in the mid-2000s) tha...
by Alexa9
Tue Jun 26, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6218

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

Why aren't you considering an F-150? That would be my first choice. 2nd-Silverado. I wouldn't consider anything else. Stay away from Dodge. Toyota and Honda are okay but they aren't truck focused like Chevy and Ford. If you're buying an Econobox/SUV, then Toyota/Honda for sure.
by Alexa9
Tue Jun 26, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Home Theater PC Uses?
Replies: 15
Views: 1324

Re: Home Theater PC Uses?

IMO most of that can be done just as easily or more so with your day-to-day computer and a streaming stick such as Chromecast/Roku. With a HTPC you'll have to use some weird keyboard/mouse thing plus the extra space and expense without much additional functionality. I find a computer much easier to...
by Alexa9
Tue Jun 26, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Home Theater PC Uses?
Replies: 15
Views: 1324

Home Theater PC Uses?

What are the most useful things you use your HTPC for? 1. Video/Netflix/Amazon Video/Youtube/BluRay/DVD 2. Music/Spotify/Pandora/Tidal/SiriusXM/Local Radio Stations 3. Browser: News, Weather, Forums, Articles, Recipes, Blogs 4. Kindle 5. Gaming 6. Google Maps/Earth 7. Photos: travel/family photos gr...
by Alexa9
Tue Jun 26, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Is there a way to avoid bad companies in S&P 500?
Replies: 92
Views: 4575

Re: Is there a way to avoid bad companies in S&P 500?

I prefer the little bad companies. Tilting to small value is the way to go.
by Alexa9
Tue Jun 26, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Family dynamics/in laws/am I being petty?
Replies: 143
Views: 7107

Re: Family dynamics/in laws/am I being petty?

This is part of the reason I don't enjoy going out to eat and rarely do anymore. I would rather take turns cooking meals with family or even get carryout.
by Alexa9
Mon Jun 25, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4555

Re: 60/40 or 40/60?

When in doubt, I'd go more conservative. Less regret. Like someone said, split the difference and go 50/50.
by Alexa9
Mon Jun 25, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: university admission issue
Replies: 27
Views: 3110

Re: university admission issue

I don't think you have much of a case but a lawyer might think otherwise! :greedy
by Alexa9
Mon Jun 25, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Used vs New - always buy new once you get to a certain point?
Replies: 31
Views: 2974

Re: Used vs New - always buy new once you get to a certain point?

A new house and car are worth it assuming they are relatively modest. I don't think a mansion or a luxury vehicle is worth it however new or used.
by Alexa9
Mon Jun 25, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to find a good fudiciary fee only CFP?
Replies: 16
Views: 881

Re: How to find a good fudiciary fee only CFP?

NAPFA and Garret are two networks that might find someone decent in your area depending on the population.
by Alexa9
Mon Jun 25, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Why not go 100% stocks?
Replies: 116
Views: 11440

Re: Why not go 100% stocks?

100% stocks is not diversified. A long bear market is very possible. I think everyone should go at least 20% bonds. Obviously if you're very wealthy you can do whatever you want without much trouble.
by Alexa9
Sun Jun 24, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: San Antonio and Austin trip
Replies: 23
Views: 1491

Re: San Antonio and Austin trip

Once you've done the River Walk and the Alamo, head to Austin and get some BBQ and live music. I would just go to Austin with that much time though. San Antonio is pretty but not that happening. Austin is pretty lively. I would rather tour the Hill Country over either one however.
by Alexa9
Sun Jun 24, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 14
Views: 1364

Re: Garrett Planning Network experiences

I met one. He was trying to join as many networks as possible. He said that he respected Garrett the most.
by Alexa9
Sun Jun 24, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2729

Re: Cheap simple tablets?

The 2017 iPad is on sale for $250.
https://www.walmart.com/ip/Apple-iPad-5 ... /269692261
I wouldn't recommend the Amazon Fire tablet or any Samsung tablet. I think you would regret it.
by Alexa9
Sun Jun 24, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 33
Views: 4129

Re: Building a Computer

so what did you do? I've gone with Intel NUC's running Linux Mint. One 7th Gen i3 and one Pentium (highly recommended), 8 GB RAM, 250GB SSD's, also a cheap Dell Inspiron 3567 Laptop. I couldn't build it myself much cheaper and they're nice micro PC boxes. I was a little hesitant to build a giant to...
by Alexa9
Sun Jun 24, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Anti Indexing investment
Replies: 15
Views: 1558

Re: Anti Indexing investment

Total Market Index Funds are basically large cap funds. You want to go 100% global micro cap (value). DFA is a pretty good option.
by Alexa9
Sun Jun 24, 2018 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 1829

Re: Thoughts on Canadian Universities

Thanks Alexa! She’s a dual US/Canadian citizen, so domestic in both countries. I see your point looking at the rankings of Oregon Universities. Even in state tuition may not be worth it. I would really research what she wants to do for a career and have a few choices and a plan B. Then visit campus...
by Alexa9
Sun Jun 24, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Canadian Universities [Dual US / Canadian citizen]
Replies: 33
Views: 1829

Re: Thoughts on Canadian Universities

I think it sounds like a great idea. UBC is the #3 university in Canada (#45 Global) though so U of Alberta and U of Calgary could be backup plans. Due to her citizenship, would she be an international student in the US then and domestic student in Canada? Also depends on what she wants to study. I ...
by Alexa9
Sun Jun 24, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 986

Re: Car for my grand daughter

Yes - but those cars often have very high mileage when older and lower price. Camrys, however, often have older lower mileage (bought 2 of them) You pay a premium for used Japanese cars. Everyone wants one. You might find a deal on a newer lower miles Crown Vic or Ford Fusion or similar that is fai...
by Alexa9
Sun Jun 24, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Car for my grand daughter
Replies: 13
Views: 986

Re: Car for my grand daughter

I think your Civic/Corolla idea is the best but if you check Consumer Reports you might find a newer/lower mileage American car that is nearly as reliable.
by Alexa9
Sat Jun 23, 2018 10:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Are Better in the Morning
Replies: 13
Views: 2954

Re: Bogleheads Are Better in the Morning

This site is fairly entertaining but it's mostly good info for people new to investing. I'm more drawn to Consumer Issues now. Lots of other good forums for entertainment out there depending on your interests. Reddit seems to have just about every topic imaginable although I haven't dug too far into...
by Alexa9
Sat Jun 23, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Desk Top Speakers Will Not Work
Replies: 12
Views: 533

Re: Desk Top Speakers Will Not Work

Here's an article on how to test your speakers for Windows:
http://www.dummies.com/computers/pcs/ho ... -speakers/

I know in Linux you can do a Sound Test to try to figure out what the problem is.
by Alexa9
Sat Jun 23, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Desk Top Speakers Will Not Work
Replies: 12
Views: 533

Re: Desk Top Speakers Will Not Work

Reading the Amazon reviews, looks like it failed for quite a few people after a short time period. If you're still under warranty, I'd return them. I've had great luck with these: https://www.amazon.com/Edifier-R1280T-Powered-Bookshelf-Speakers/dp/B016P9HJIA/ref=sr_1_4?ie=UTF8&qid=1529763929&sr=8-4&...
by Alexa9
Sat Jun 23, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Desk Top Speakers Will Not Work
Replies: 12
Views: 533

Re: Desk Top Speakers Will Not Work

Do you have other speakers, cable, or another computer to test? Tweak all the sound settings and check for any mute buttons or other settings accidentally clicked on your sound preferences and the speakers. What OS are you running and what are the speaker model #? Make sure the output is correct and...
by Alexa9
Fri Jun 22, 2018 7:45 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 39
Views: 3608

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

We're talking about a basis point? One basis point? (Allen Iverson voice)
by Alexa9
Fri Jun 22, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: I want to cash in VTSAX
Replies: 21
Views: 1462

Re: I want to cash in VTSAX

You should also hold at least 20% bonds to rebalance your stock gains into.
by Alexa9
Thu Jun 21, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2269

Re: 4K Computer Monitors: 27 vs 32 inches?

1080 is sharp enough for a monitor to me. I always lower the resolution so everything is larger anyways. LG 32" on Amazon for $200. I would compare side by side with a 4K display and see if it's worth it to you. I prefer one large monitor to two medium sized monitors.
by Alexa9
Thu Jun 21, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 3512

Re: Most vs. Least satisfying home impovements

Home Theater/Stereo and Kitchen. Music, movies, and food. It doesn't get any better. Rarely go to the theater or restaurants anymore. Good windows and noise insulation is also important. Big difference in night time car/plane/train noise. Quality furniture and appliances are nice. Investing in a hom...
by Alexa9
Thu Jun 21, 2018 7:00 pm
Forum: Investing - Theory, News & General
Topic: Are mutual funds safer than ETFs?
Replies: 15
Views: 1751

Re: Are mutual funds safer than ETFs?

Large market orders on a low volume ETF are not a good idea but other than that they are fine.
by Alexa9
Thu Jun 21, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead guilt with buying a car - Volvo vs Toyota Highlander
Replies: 69
Views: 4498

Re: Boglehead guilt with buying a car - Volvo vs Toyota Highlander

Highlander is a bulletproof vehicle that you can easily drive for 15 years with regular maintenance. Clear choice to me. The Honda Pilot would be a good comparison shopper.
by Alexa9
Thu Jun 21, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing Makes Someone Money, But Maybe Not You
Replies: 126
Views: 9081

Re: Factor Investing Makes Someone Money, But Maybe Not You

I disagree. Tilting to small value is not complicated or difficult nor does it take a CFA to understand.
by Alexa9
Wed Jun 20, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: What should be my stock/bond allocation?
Replies: 21
Views: 1594

Re: What should be my stock/bond allocation?

Not enough info to provide you with good advice.
Asking Portfolio Questions:
viewtopic.php?f=1&t=6212
by Alexa9
Wed Jun 20, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2578

Re: Gifting trip for inlaws

researcher wrote:
Wed Jun 20, 2018 3:49 pm
Gatlinburg/Pigeon Forge.
Those are my idea of hell on earth!!
http://www.thecarpetbagger.org/2013/08/ ... sodom.html
by Alexa9
Wed Jun 20, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 646

Re: Amazon Fire TV Cube

I would like to buy one of these smart home hubs but they seem like they are in early testing phases. I haven't had a great experience with Siri, Google, or Alexa. They have trouble doing simple tasks and understanding me. I am hoping they rapidly become more capable and user friendly. I think it ha...
by Alexa9
Wed Jun 20, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 646

Re: Amazon Fire TV Cube

With our Apple HomePod I looked at the HomePod, it seems even more crippled than Alexa although the speaker sounds pretty good. Google has the best speech recognition at a cost of privacy. Actually the Cable Providers are really going to have to step it up as well in this home theater box battle. C...
by Alexa9
Wed Jun 20, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 646

Amazon Fire TV Cube

New TV box from Amazon being released tomorrow. Supposedly compatible with cable boxes and stereos to make everything smarter. I think I will wait and see how it is reviewed first but it's about time the TV is really smart. I would like to see complete voice control over more stuff with no buttons. ...