Search found 149 matches

by Buster65
Sun Apr 30, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Paying down mortgage on a 2nd home
Replies: 4
Views: 595

Paying down mortgage on a 2nd home

My mother owns a home that is probably worth at least $100,000 less than what she paid. She uses the home but the homes in the area are very depressed and hardly sell. She bought for $325K and owes the bank about $200K which is what the house might sell for. Is it a bad ideas to sell some equities t...
by Buster65
Fri Apr 21, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: What to do with books
Replies: 16
Views: 1273

What to do with books

I have piles of hard cover and some paperback books from the last decade or so. Many are finance related but not all. Is their a way to ship them all to Amazon and have them sell for me? Seems like listing them one by one and selling them will not be worth the effort and mostly the profit gets offse...
by Buster65
Fri Apr 21, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9721

Re: Best take it everywhere camera

SONY RX 100 IV gets rave reviews! But its $1,000. Thinking about picking one up myself
by Buster65
Tue Apr 11, 2017 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Forced retirement-Can this work?
Replies: 17
Views: 2519

Re: Forced retirement-Can this work?

Much appreciate all of the thoughtful suggestions and input.
by Buster65
Mon Apr 10, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Forced retirement-Can this work?
Replies: 17
Views: 2519

Forced retirement-Can this work?

My firm is closing its doors and I will be going part time from July 2017 through July 2018. At that point I will be early 50's and am considering only working part time or as a consultant when interesting work comes up. Can we live off of what we have and not touch our principal for the next 40-50 ...
by Buster65
Thu Mar 23, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: AARP supplements through UHC
Replies: 4
Views: 1087

AARP supplements through UHC

Does anybody know anything about AARP Plan F or Plan N? My father in law is in rehab and his secondary insurance (Empire) doesn't cover the 20% of the rehab that medicare will not cover. It's about $169 a day for the next 100 days. Plan F would be $558 per month, Plan N would be $364. The key is eit...
by Buster65
Thu Mar 23, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a 5% position to commodities
Replies: 21
Views: 1635

Thinking about adding a 5% position to commodities

I was thinking about adding a 5% position to commodities through ETF. Was looking at DJP or even better DJCI (lower expense ratio). Its been dead money and pays no dividend but could be a good non correlated to equity's holding if the market goes down. Thoughts on this?
by Buster65
Tue Mar 21, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Long/Short Mutual Fund recommendation?
Replies: 1
Views: 200

Looking for Long/Short Mutual Fund recommendation?

I am looking for a long /short fund to complement my portfolio. I'd prefer to not invest in traditional hedge fund or FOF with K-1. Any suggestions?
by Buster65
Mon Mar 20, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: Asset allocation and asset placement question?
Replies: 4
Views: 491

Asset allocation and asset placement question?

Hypothetical round # investor has $5M of investments with $4M being in a taxable account and $1M being in a 401K / IRA. Vanguard seems to think that the allocation should be roughly 50% equities and 50% bonds given my risk profile but the entire 401K / IRA should be in bonds because you want to hold...
by Buster65
Mon Mar 06, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5871

Car engines. Turbo vs no turbo

I noticed that many car manufacturers (i.e. Lexus, VW, Infinity) use turbo or twin turbo engines. I also noticed Subaru uses a straight boxer engine, and Honda accords are not turbo engines. That got me thinking that maybe that is the reason these cars tend to make it to 100,000+ miles more often th...
by Buster65
Thu Mar 02, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Betterment
Replies: 13
Views: 1181

Re: Moving away from Betterment

If your annoyed with Betterment (as I am) because you were paying 0.15% and now will be paying 0.25% (come June 1) than yes you should switch. I am contemplating the same.
by Buster65
Thu Mar 02, 2017 1:12 pm
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 8679

Re: Used German Luxury vs New Japanese

This is my experience: The "bad" (1) I owned a VW Passat and had to part with it because I would get condensation on the inside of the window that dealer wouldn't repair. (2) I bought a used Audi A6 and had it for 6 months before things started to go so I sold it. Not to mention I got abou...
by Buster65
Wed Feb 15, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retire By 58, 59, 60??
Replies: 10
Views: 1929

Re: Retire By 58, 59, 60??

If I read this correctly you have about $2M. Using the 4% rule you can draw about $80,000 per year and not run out of money. Given the low interest rate environment I would use 3%. If you can save like crazy over the next 10 years and cut your expenses you might be in good shape. To draw down $120,0...
by Buster65
Tue Jan 24, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Anybody process their VW or Audi Diesel buyback yet?
Replies: 4
Views: 678

Anybody process their VW or Audi Diesel buyback yet?

I finally am at the last step and can now make an appointment with Audi to have my A3 TDI purchased back. I want to know how this transaction went for others? Any "catches" I should know about? Was the transaction as smooth as they make it seem it will be. Any con's to waiting until the en...
by Buster65
Thu Jan 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Any Audi Wagon owners?
Replies: 29
Views: 2369

Re: Any Audi Wagon owners?

I have a small Audi Sedan (A3 TDI) and the Outback. All I can say is that I am so happy Audi / VW will be buying back my A3. My Outback is amazing....love this car. My auto mechanic was laughing when I bought an Audi and said it was going to cost me. While the car drives nice its prone to expensive ...
by Buster65
Thu Jan 05, 2017 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth issue using Federal MMF
Replies: 27
Views: 1964

Re: Backdoor Roth issue using Federal MMF

WCI:

While its not official guidance I thought I read somewhere that its a good idea to let the fund sit in the traditional IRA a couple of months before you do the conversion to the Roth. I can't recall where I read this though.
by Buster65
Thu Jan 05, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)
Replies: 56
Views: 6284

Getting Subaru Legacy(4Cyl 2.5L or V6 3.6R?)

I have norrowed my car decision down to the Subaru Legacy. I'm tired of paying up for luxury brands (i.e Audi, BMW, Mercedes), I want AWD but the remaining question is should I get the 4 cylinder or the 6 cylinder engine. Any owners of this vehicle on the board with their thoughts on this?
by Buster65
Fri Dec 23, 2016 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Where can I get some yield on my cash?
Replies: 16
Views: 1209

Where can I get some yield on my cash?

I am having a hard time finding any kind of money market account linked to my checking account that pays anything. The only thing I see is American Express pays 0.9%. Any suggestions?
by Buster65
Thu Dec 22, 2016 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any benefit putting investments with two firms?
Replies: 9
Views: 892

Any benefit putting investments with two firms?

I have the bulk of my assets with Vanguard. I am contemplating opening a 2nd account to diversify and reap the benefits of getting another firms research and tools. I was thinking about either Fidelity or since I have an account with Chase maybe I would like a brokerage account to the existing accou...
by Buster65
Thu Dec 22, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4686

Re: Afraid of retirement??

I like this question and as a 51 year old who definitely has the assets to retire I can sympathize with the question. Ironically I have a lot of outside interests but the fear of giving up the regular paycheck is definitely real. Any suggestions would be appreciated!
by Buster65
Wed Dec 21, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Digital Photo backup
Replies: 10
Views: 1331

Digital Photo backup

I am looking at Google Photos and Amazon Prime Photos for cloud storage options. Does anybody have anything good or bad to say about either option? My pictures are generally 10mb or smaller and I don't need video back up. Thanks.
by Buster65
Wed Dec 14, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody joining the class of 2016 for retirement?
Replies: 0
Views: 360

Anybody joining the class of 2016 for retirement?

I'd like to hear from some that are joining the class of 2016. I'd like to know how old they are, where they live, rough estimate of accumulated assets and what they plan on doing in retirement. Congrats in advance!
by Buster65
Mon Dec 12, 2016 3:35 pm
Forum: Personal Consumer Issues
Topic: Alpine vs Telemark vs AT skiing
Replies: 8
Views: 655

Alpine vs Telemark vs AT skiing

I've been skiing for years. Recently I've thought maybe I would enjoy a new discipline so I am thinking of taking up telemark skiing. Plus it will allow me to skin up mountains since my heel will be free. I went into the local ski shop and they said they are phasing out tele equipment since AT is al...
by Buster65
Wed Dec 07, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1884

Books (real or digital)

I have been reading on my Kindle or phone or iPad and am starting to crave real paper. I am wondering what Boggleheads do for books. Real or digital...what are the pros and cons. Why do you like one over the other?
by Buster65
Mon Oct 17, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Organizing my Digital Photo's on PC?
Replies: 11
Views: 1242

Organizing my Digital Photo's on PC?

I have switched back to a PC from a Mac where I was a iPhoto user but never liked the way the pictures were organized on the back end. I prefer the logical folders to Window's on a PC. I do most of my editing on my tablet so really am focused on storage and lite computer based editing. I am curious ...
by Buster65
Mon Sep 12, 2016 11:38 am
Forum: Personal Consumer Issues
Topic: Expense Tracking / Budgeting
Replies: 1
Views: 294

Expense Tracking / Budgeting

Years ago I used Quicken to track spending. I haven't used it for years but am very familiar with Quickbooks. I'm wondering if this is still the best option for expense tracking. I have to think that their are better options than excel spreadsheets.
by Buster65
Tue Sep 06, 2016 3:03 pm
Forum: Personal Consumer Issues
Topic: What to do with my CD collection
Replies: 35
Views: 3356

What to do with my CD collection

I have well over 100 CD's with the original case all in good condition. All of the music I listen to is digital now. Should I donate these to a library, sell to some record store or toss? Trying to do some uncluttering.
by Buster65
Fri Aug 26, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: Sony RX 100 IV camera
Replies: 14
Views: 1252

Sony RX 100 IV camera

Any Bogleheads own the Sony RX 100 IV? It probably the most expensive P&S camera. Is it worth the $?
by Buster65
Fri Aug 26, 2016 11:04 am
Forum: Investing - Theory, News & General
Topic: Passive vs Active Investing
Replies: 17
Views: 1686

Passive vs Active Investing

I often find myself debating passive index investing vs active investing with some colleagues. They argue that active investing will come back and that all things revert to the mean. They are referring to active mutual funds and active hedge funds. I argue that investors in general have gotten smart...
by Buster65
Mon Aug 08, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 13119

Re: Should I lease a Tesla?

Lease over buy as Tesla will fall apart in a matter of time. Many smart people know that Elon Musk is fooling everybody and the cat will be out of the bag soon enough. Good luck.
by Buster65
Wed Aug 03, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?
Replies: 14
Views: 1854

Re: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?

Aurora85: I really like the A3 TDI a lot. I bought it over the 2.0 AWD Turbo because of the extra zip and the pick up it has and its just so fun to drive. The mileage is unreal I have driven from New York to Vermont and back on one tank. And the best part of my A3 is that I will drive it for 4 years...
by Buster65
Tue Aug 02, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Subaru Legacy Question.
Replies: 20
Views: 1798

Subaru Legacy Question.

I am deciding between a Legacy 2.5I Limited or 3.6L Va nd think for the extra $$ its worth having the 6 cyl. engine over the 4. I realize the mileage is a bit better on the smaller engine but it might be nice to have the extra power. Any Subaru owners out there with an opinion on this?
by Buster65
Mon Aug 01, 2016 10:07 pm
Forum: Personal Consumer Issues
Topic: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?
Replies: 14
Views: 1854

Re: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?

I too was confused by the website but today I called 1-844-98-CLAIM (844-982-5246) and somebody
Walked me through the registration process. Got my exact buyback # to the penny. I'll probably wait another 6 months to a year before I sell back. Will drive locally and hope for the best.
by Buster65
Mon Aug 01, 2016 4:12 pm
Forum: Personal Consumer Issues
Topic: Audi / VW TDI Buyback. Are you waiting or selling back ASAP?
Replies: 14
Views: 1854

Audi / VW TDI Buyback. Are you waiting or selling back ASAP?

I am pleased with the amount I will get for restitution related to my vehicle. I have a 2015 A3 TDI. The issue is I can wait and drive "free" through 2018 but I risk the vehicle being stolen or totaled. I also risk VW/Audi declaring bankrupt. What are others doing?
by Buster65
Fri Jul 29, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 7075

Re: What is your plan if you lose job tomorrow ??

If I lose my job or more realistically if my firm shuts down or liquidates I will take 6 months to re-think what I want to do now that I hit 50. I have the assets we need to retire already and my wife enjoy her part time work at the hospital and we can get benefits though her so not really stressed ...
by Buster65
Wed Jul 20, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Buying a VW?
Replies: 30
Views: 2382

Buying a VW?

I am thinking of buying a VW but am concerned what some people say about owning German vehicles past the warranty period. Are VW's notorious for frequent and expensive repairs or is it really more relevant for Audi, BMW and Mercedes...the luxury manufacturers?
by Buster65
Tue Jul 12, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement spending/glide path
Replies: 25
Views: 3403

Re: Early retirement spending/glide path

People what your total amount invested isn't as important as what you spend. I have $6M of invested assets and spend about $180,000 per year not including health insurance which is 100% covered by employer. In today's interest rate environment and until 2nd son is done with college I wouldn't think ...
by Buster65
Tue Jul 12, 2016 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 7940

Re: Private vs State School?

We live in NY so I am referring to SUNY Binghamton vs a small liberal arts school in New England. My son is doing very well academically at his private school and majoring in history.
by Buster65
Tue Jul 12, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 7940

Private vs State School?

My son attends a private college that cost 338% more than our state university. One year is now up to $65,000 vs $19,100 at the state school. We pay full amount...no scholarship or financial aid. Was this a very bad decision? We let him choose and now I wish we had not. What are the pros and cons of...
by Buster65
Mon Jul 11, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 16221

Re: What do you spend your money on???

Lifestyle creep has set in. My list: -Enjoy two high end road bikes and maintaining them (They cost me $10,000 and $5,000 each) -Wife enjoys her botox treatments 2x per year -Gym membership for wife and I, her yoga and dance classes -Wife gets hair colored and straightened. -One expensive vacation a...
by Buster65
Fri Jul 08, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgage
Replies: 2
Views: 361

Reverse Mortgage

I am looking for a reputable company for a reverse mortgage for my in-laws. While I am generally against these products they are 80 and 82 and father in law in not in good shape. He can barely get up the stairs in their home and they desperately need a bedroom and full bath in the lower part of thei...
by Buster65
Wed Jun 29, 2016 8:19 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2970

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

The ability to not take the buy back until end of 2018 and still get the same $ seems too good to be true. What happens if I keep driving my A3 TDI and the car gets totaled? Then the insurance company is going to pay me today's book value so there is risk in not taking the buyback sooner. Anything e...
by Buster65
Wed Jun 29, 2016 3:15 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2970

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

If that is the case no reason to trade in sooner. I think that will change during this "comment" period. That doesn't make a lot of sense. The goal is to get these cars off the road.
by Buster65
Wed Jun 29, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2970

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

Scotthal:

Are you suggesting that the buyback will be the same this Fall as it will be 2 years from now? That doesn't seem to make much sense.
by Buster65
Wed Jun 29, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2970

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

Crit: You certainly have a lot of mileage on you A3 for a 2012 A3. I really enjoy driving the A3 and one option might be to just get the A3 in the standard 2.0 gas version. One thing I discovered right away with my car is that I got the 18" wheels that are lower profile than the standard. They ...
by Buster65
Wed Jun 29, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 2970

Any VW or Audi TDI owners out there with thoughts on settlement?

I read the settlement arrangement as presented in court and am satisfied. I own a Audi A3 TDI purchased in Dec 2014 model year 2015. At the end of the day I expect to get back close to what I paid. They gave me a range of $32-$39K (roughly). The "fix" option might be an option but not unti...
by Buster65
Thu Jun 23, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Anticipating the VW TDI settlement what would you do?
Replies: 10
Views: 1388

Anticipating the VW TDI settlement what would you do?

I paid $36,830 for a 2015 Audi A3 TDI. I am assuming I will be offered $25K for the vehicle in a buyback. Another option will likely be to get the car "fixed" and they will also give me $5,000. Given these assumptions what would you do? Fix or take the buyback?
by Buster65
Thu May 12, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Blogging for a side gig?
Replies: 6
Views: 913

Blogging for a side gig?

I have several ideas for a new business that involves financial planning. I have lots of ideas for content and bog posts and want to establish an online presence via a new blog and grow this over time. Does anybody have a suggestion on the best way to go about building out a new blog? Is their one b...
by Buster65
Wed May 11, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Seeking employment from home?
Replies: 4
Views: 1493

Seeking employment from home?

Does anybody have any suggestions on how one could find a job which is primarily done from the home?

I am an accountant by training (CPA) but am open to other type of work.
by Buster65
Wed May 11, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: Building a cabin
Replies: 11
Views: 2332

Building a cabin

I own land in Vermont and am in the process of considering having a builder construct a relatively modest cabin or will go with a pre-fab unit. Does anybody have any experience with the pre-fab companies such as The Carriage Shed? It seems as if I can build a pre-fab unit for about 20-30% less per s...

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