Search found 316 matches

by Alexa9
Mon Oct 16, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Car Buying, Time to grow up.
Replies: 55
Views: 4300

Re: Car Buying, Time to grow up.

Get a 2017 Accord. The all new 2018 just came out and they are knocking off 3-5k MSRP on the old model. It is bulletproof reliable. You can get an LX for around 21k OTD, EX 23, EX-L 25 especially towards the end of the year.
by Alexa9
Mon Oct 16, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 48
Views: 2643

Re: Negotiating for a new car purchase

I would not just take the lowest offer from several dealers, but make an offer well below the lowest offer to several dealers.
Use this as an estimate:

http://tellmethebest.com/honda.html
by Alexa9
Sun Oct 15, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Met with a CFP, not too impressed.
Replies: 28
Views: 4762

Re: Met with a CFP, not too impressed.

Told him thank you, but no thanks. Walked out of the meeting. Learned to not trust CFP. Your experience and the OP's experience just showed not all CFPs are created equal. I learned the best bet are CFPs who don't manage money. They are truly in it for giving advice. Not all CFP's are equal. There ...
by Alexa9
Sun Oct 15, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 40
Views: 2568

Re: Amazon Prime - Decline in Delivery Service?

I've found that they are about as good and even have Sunday delivery now. USPS is not as reliable but they are much cheaper than UPS/FedEx. I almost always use them when I ship stuff.
by Alexa9
Sun Oct 15, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 28
Views: 2048

Re: New mattress

I would suggest getting one at Costco. They have a generous return policy if you don't like it. You can even order 2 or 3 online and return the ones you don't like to a warehouse.
by Alexa9
Sat Oct 14, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Buying 2017 Honda CR-V
Replies: 27
Views: 2323

Re: Buying 2017 Honda CR-V

http://tellmethebest.com/honda.html

This website gives you the lowest price someone paid for Honda/Toyota vehicles. I'm sure some people get even better than this but it gives you an estimate better than TrueCar, KBB, or Costco. LX FWD CRV is 22,500 +TTL
by Alexa9
Sat Oct 14, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 56
Views: 2825

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Apple is not too big to fail. Although Bogleheads are obsessed with Total Market Indexes, the Small Cap Index is perfectly diversified as well. Once you get above ~25 stocks, the standard deviation is "good enough."
by Alexa9
Sat Oct 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 75
Views: 5045

Re: anyone else not liking the new cars?

+1 for the Avalon.
I think the 2017 Accord is nice looking and they're having a fire sale right now. The all new 2018 is growing on me too.
I might lease/buy a CPO E Class/5 series and see if you like it.
by Alexa9
Fri Oct 13, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 68
Views: 3838

How many miles/years do you keep your car?

I know this has probably been beaten to death but I'm still interested in it. :) If you buy used how old/miles do you generally buy and what age/miles do you sell it on average? If you buy new, how many miles/years before you sell it? If you lease, please ignore this thread. What is your rule of thu...
by Alexa9
Thu Oct 12, 2017 7:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads Audiobook??
Replies: 3
Views: 388

Bogleheads Audiobook??

This would be great to spread the gospel for people that aren’t big readers. I’d also like to see an abridged version for high school graduates.
by Alexa9
Thu Oct 12, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 49
Views: 4455

Re: 2018 Honda Accord

The Accord beats the Camry with infotainment: Apple Carplay and Android Auto. Probably no need to get Navi. Yes, but I wish Honda didn't omit the bird's view parking cameras. I use that pretty much every time I park - very useful. I don't know why they included pretty much everything you can think ...
by Alexa9
Thu Oct 12, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 49
Views: 4455

Re: 2018 Honda Accord

The Accord beats the Camry with infotainment: Apple Carplay and Android Auto. Probably no need to get Navi. Yes, but I wish Honda didn't omit the bird's view parking cameras. I use that pretty much every time I park - very useful. I don't know why they included pretty much everything you can think ...
by Alexa9
Wed Oct 11, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3629

Re: Pro and cons of the Prime offer by Amazon.......

It's good if you don't like going to the store. The convenience is worth it especially around the holidays. I can't stand going to a Walmart. Although Walmart.com is competitive. I also think Costco has fewer but better deals.
by Alexa9
Wed Oct 11, 2017 8:37 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 976

Re: 2017 Honda Accord Hybrid EX-L???

I wouldn't bother with the Hybrid personally. The gas Accord gets 38 mpg highway and you can get it for even less.
by Alexa9
Wed Oct 11, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Greek Islands Cruise Excursions
Replies: 9
Views: 848

Re: Greek Islands Cruise Excursions

Santorini is picturesque with huge cliffs and blue domes on white buildings and a honeymooner's spot. Mykonos is more of a party/dance club island like Ibiza. Athens has a lot of historical sites. I would do a tour. I would be more careful about pickpockets or muggings here. Naxos, Milos, Zakynthos ...
by Alexa9
Wed Oct 11, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 49
Views: 4455

Re: 2018 Honda Accord

The Accord beats the Camry with infotainment: Apple Carplay and Android Auto. Probably no need to get Navi.
by Alexa9
Mon Oct 09, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4757

Re: Is there boglehead consensus on buying a car?

Honda/Toyota new or used. All good cars:
Civic/Corolla
Accord/Camry
CR-V/RAV-4
Pilot/Highlander
by Alexa9
Sat Oct 07, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7393

Re: Do you want your receipt?

I would jot down how much you spend on your phone (Google Docs) especially at places with a tip line. I have had a couple instances of extra tips being added for carryout or at the bar. Then I just dispute the transaction. I hate carrying receipts unless it's something I might return like at the gro...
by Alexa9
Sat Oct 07, 2017 9:19 am
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3015

Re: Simple Notebook/laptop

a lot of people need a full fledged computer that runs programs. Just curious...What are some programs that you personally need that you could not accomplish on a Chromebook? iTunes is a big one. Photoshop/Lightroom. Games (I don't play them). If you have an iPhone/iPad it's nice to have a Mac. The...
by Alexa9
Fri Oct 06, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3015

Re: Simple Notebook/laptop

How much are you looking to spend? <$400:Chromebook >$700:Macbook (Refurbished is as good as new from Apple) Chromebooks make a good secondary computer but a lot of people need a full fledged computer that runs programs. I think a Macbook is one of the best laptops you can buy and MacOS is much pref...
by Alexa9
Fri Oct 06, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3388

Re: Daughter's auto repair shop problems, what should we do now?

I'd help her with a newer car if you can/want. Reliable transportation is a must for school or work.
by Alexa9
Fri Oct 06, 2017 5:59 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1861

Re: Time Value of Money (Young Investors)

I think it's important for young people to realize the time value of money and important of saving early. This should be drilled into their head in high school. 5k invested @ 18 years old = 120k @ 65 years old (assuming 7% growth) 5k invested @ 30 years old = 50k @ 65 years old 5k invested every ye...
by Alexa9
Fri Oct 06, 2017 5:32 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1861

Re: Time Value of Money (Young Investors)

This should be drilled into their head in high school. Nothing should ever be "drilled" into anyone's head. You should be presented with facts and how some of your options interact with these facts and be allowed to make your own decision. High school is the best time for kids to learn this stuff a...
by Alexa9
Fri Oct 06, 2017 12:59 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1861

Re: Time Value of Money (Young Investors)

60k/year from 18 to 65 yields 237 million. Somewhat unrealistic unless you have a very good job which you could reasonably have by age 30: 60k/year from 30 to 65 yields 100 million. I think most people would choose early retirement or a more lavish lifestyle. Oh how I wish this were true, but accor...
by Alexa9
Fri Oct 06, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1861

Re: Time Value of Money (Young Investors)

It is also important to save more and save often. Imagine you put away $5k every month until you retire and re-run the number. 60k/year from 18 to 65 yields 237 million. Somewhat unrealistic unless you have a very good job which you could reasonably have by age 30: 60k/year from 30 to 65 yields 100...
by Alexa9
Fri Oct 06, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Time Value of Money (Young Investors)
Replies: 29
Views: 1861

Time Value of Money (Young Investors)

I think it's important for young people to realize the time value of money and important of saving early. This should be drilled into their head in high school. 5k invested @ 18 years old = 120k @ 65 years old (assuming 7% growth) 5k invested @ 30 years old = 50k @ 65 years old 5k invested every yea...
by Alexa9
Wed Oct 04, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1566

Re: Travel camera reviews of what you own and why?

iPhone 7 - it's "good enough" and it's always on me. Photos backed up online instantly. Can send/edit them easily.
Hard to justify a budget for smartphone and a DSLR+lenses for an amateur hobbyist.
Gave up the DSLR and Point and Shoots years ago.
by Alexa9
Tue Oct 03, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3918

Re: Should I get a New Macbook Pro?

What are you using your computer for? I like the new MacBook Pros but I would skip the TouchBar. Much prefer MacOS to Windows. A Chromebook is great until you need to use a real program. Agree, but what real program do you really need that's not work related? Aside from work related programs, what ...
by Alexa9
Tue Oct 03, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Need compact point and shoot camera recommendations
Replies: 32
Views: 1916

Re: Need compact point and shoot camera recommendations

www.snapsort.com is great for comparing cameras.
If you want a small camera with high quality I would look at a mirrorless like a Sony A6000 or Micro DSLR like Nikon D3400 (or refurbished D3200 to save) combined with a decent smartphone.
by Alexa9
Mon Oct 02, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3918

Re: Should I get a New Macbook Pro?

What are you using your computer for? I like the new MacBook Pros but I would skip the TouchBar. Much prefer MacOS to Windows. A Chromebook is great until you need to use a real program.
by Alexa9
Mon Oct 02, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Photography gear and what you use it for?
Replies: 26
Views: 1573

Re: Photography gear and what you use it for?

I highly recommend

www.trekearth.com

for a photography/travel forum
by Alexa9
Mon Oct 02, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2009

Re: On the video games path - how to set it up with younger kids

I would encourage your kids to read! They will not like reading for fun after the instant gratification of video games. This is just not true, my son reads and loves to read, he also enjoys playing video games. So does my husband. I read several books a week and I also enjoy watching Netflix on occ...
by Alexa9
Mon Oct 02, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2009

Re: On the video games path - how to set it up with younger kids

I would encourage your kids to read! If you don't start when you're young, you won't like reading when you're older. They will not like reading for fun after the instant gratification of video games. Once they are teenagers, I think video games are okay in moderation.
by Alexa9
Sun Oct 01, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2726

Re: Amazon Fresh & the value of your time

I am still a little skeptical for now, but will give it a try in the future if it gets good reviews. I like to see what looks good in person for produce and see what is on sale. I actually enjoy grocery shopping if it's for a meal I'm preparing that day. Wait, you mean you don't just tell Alexa to ...
by Alexa9
Sun Oct 01, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2726

Re: Amazon Fresh & the value of your time

I am still a little skeptical for now, but will give it a try in the future if it gets good reviews. I like to see what looks good in person for produce and see what is on sale. I actually enjoy grocery shopping if it's for a meal I'm preparing that day.
by Alexa9
Sat Sep 30, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Better chance to be accepted to state medical school if also attend undergraduate in the state?
Replies: 18
Views: 1342

Re: Better chance to be accepted to state medical school if also attend undergraduate in the state?

Some schools have a guarantee program where if you do well in undergrad you’re automatically accepted into their med school.

https://www.inquarta.com/medical-school ... al-school/
by Alexa9
Thu Sep 28, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1477

Re: Smart Home: Google, Apple, or Amazon?

I'm not really a voice activation kind of guy, I do have a Samsung SmartThings Hub that I'm pretty happy with, it runs my zwave switches for my lights. I have a simple remote that triggers the hub automation scripts, and I can also run the scripts from my phone. I had the SmartThings set up first. ...
by Alexa9
Thu Sep 28, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Smart Home: Google, Apple, or Amazon?
Replies: 15
Views: 1477

Smart Home: Google, Apple, or Amazon?

I've noticed these three getting bigger into smart home and voice controlled television with Alexa, Homekit, and Google Home. Which of the three do you prefer? I like things about all three of them personally. I find Amazon's website to be spectacular and their products are a bargain compared to App...
by Alexa9
Wed Sep 27, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4157

Re: Two year lease vs Buy and hold 10 years. A wash?

Explain to me how buying the car for $27,000 would be cheaper than leasing for $3000 a year if there's a 10 year timeframe. This lease is cheapest for a 2 year option, no idea why. Well simply, most cars are not worth $0 at 10 years. KBB says a used 2007 Equinox is worth $4,700 and still has plenty...
by Alexa9
Wed Sep 27, 2017 7:01 pm
Forum: Personal Consumer Issues
Topic: liability of selling used car
Replies: 14
Views: 1998

Re: liability of selling used car

Have issues in writing from your mechanic on the bill of sale that you each get a copy of.
by Alexa9
Wed Sep 27, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Two year lease vs Buy and hold 10 years. A wash?
Replies: 54
Views: 4157

Re: Two year lease vs Buy and hold 10 years. A wash?

Leasing is all about convenience. Don't kid yourself that it's cheaper. The first 3 years a car depreciates nearly 50%, then it is much less. 1. No major maintenance 2. Always under warranty 3. Always driving a new car 4. Write off for a business It's also a hassle 1. Dealing with car salesmen every...
by Alexa9
Tue Sep 26, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1394

Re: Weekend trip in Portland, Oregon - ideas?

I would binge watch Portlandia to prepare yourself :D
by Alexa9
Tue Sep 26, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Unbelievable AT & T
Replies: 29
Views: 3570

Re: Unbelievable AT & T

I would see what it says in your contract. I don't think it's worth the black mark on your credit score.
by Alexa9
Tue Sep 26, 2017 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3849

Re: How safe is cash in today's economy?

If you're worried about the stock market which is somewhat justifiable, just some ideas: 1. I would pay your mortgage ahead 2. Increase your bond allocation including international bonds 3. Increase international allocation to 50% 4. Purchase CD's in IRA This is market timing but if it helps you sle...
by Alexa9
Mon Sep 25, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Certified Financial Planner (CFP) ???
Replies: 26
Views: 2877

Re: Certified Financial Planner (CFP) ???

It's about as respectable as a financial advisor can be. They're certainly more of a fiduciary than your friendly Edward Jones guy.
by Alexa9
Mon Sep 25, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: fat-finger trades
Replies: 12
Views: 1289

Re: fat-finger trades

Always trade mutual funds and you should get a fair price at the end of the day.
by Alexa9
Sun Sep 24, 2017 3:35 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8307

Re: Where do you get your news?

www.news.google.com is a decent collection of news sources and tailors it to your interests.
www.naturalnews.com is kind of funky alternative news and conspiracy theories.
www.politicalforum.com is kind of fun to debate topics