Search found 1956 matches

by Bustoff
Sat Nov 05, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1347

Re: Visiting San Francisco

Visited San Francisco earlier this year for 5 days.
Rented a car and got a VRBO in Sausalito.
Staying in Sausalito was the best decision we ever made.
by Bustoff
Wed Oct 12, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Beginner question. For travel to Italy, should we focus on any particular airline or credit card to begin accumulating points? I started collecting miles in January of this year for a trip to Italy summer of 2017. Since I had not started the mile collection business, I got all of the Chase cards th...
by Bustoff
Sat Oct 08, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Thanks curmudgeon! We have @ 200K AA frequent flier miles earned from travel years ago. Is it generally better to use old FF miles first before accumulating new card miles? This is a bit like asking whether it's better to use old dollars first before accumulating new dollars. Frequent flyer miles d...
by Bustoff
Sat Oct 08, 2016 9:31 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Beginner question. For travel to Italy, should we focus on any particular airline or credit card to begin accumulating points? I started collecting miles in January of this year for a trip to Italy summer of 2017. Since I had not started the mile collection business, I got all of the Chase cards th...
by Bustoff
Fri Oct 07, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Laptop ideas
Replies: 41
Views: 2222

Re: Laptop ideas

I recommend an SSD (solid state drive) if you can swing it. I work in IT, supporting a user base of about 300 people. A bunch of laptop issues disappeared after we went to 100% SSDs - performance drag as the hard drive degraded, certain OS errors, lost/damaged files, etc. They draw less power (long...
by Bustoff
Fri Oct 07, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 7161

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

First off, I have never driven a luxury car, hence this post. Currently, we drive a 2007 Accord and 2011 Odyssey. There are no issues with them. I/we believe we can afford a luxury vehicle (such as Acura/Lexus), but I'm not willing to buy one unless they offer so much more than what our current car...
by Bustoff
Fri Oct 07, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement reality check
Replies: 36
Views: 7025

Re: Early retirement reality check

We are both in our early 50s. We are averaging about 130,000/year. I am hoping to retire in about two years. Our plan is to shoot for 4% withdrawal rate, Some experts are now suggesting early retirement may require a more conservative withdrawal rate, perhaps closer to 3%. With your annual spending...
by Bustoff
Fri Oct 07, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Accuracy of Consumer Reports/Truecar Estimates
Replies: 10
Views: 1354

Re: Accuracy of Consumer Reports/Truecar Estimates

I am looking to buy a small commuter car, and I was looking at the numbers on the Consumer Reports Car Buying Service. There are some cars like the Accent, Versa, or Fiesta that CR says should sell for around $12K. Are these numbers accurate? They seem a little fishy because they are so far under t...
by Bustoff
Fri Oct 07, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 1409

Re: Honda Accord Purchase Advice/Information

1. Can somebody point me to the "best" thread on email negotiations. I've seen so many in searches but I would like the one that has the exact language to use in email solicitation/negotiations with dealers. I'd like to keep this all done exclusively via email without ever setting foot in...
by Bustoff
Fri Oct 07, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Beginner question. For travel to Italy, should we focus on any particular airline or credit card to begin accumulating points? Spend some time with the Google Flights tool to see what would be convenient flight options from your area. Learn which airlines are in which alliances. Alitalia partners w...
by Bustoff
Thu Oct 06, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Beginner question. For travel to Italy, should we focus on any particular airline or credit card to begin accumulating points? For starters, use this website to see which airlines fly from where you are to where you want to go in Italy. http://matrix.itasoftware.com/ Alitalia is a good guess, but d...
by Bustoff
Thu Oct 06, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 898
Views: 102222

Re: What's Your Credit Card Rewards Strategy?

Beginner question.
For travel to Italy, should we focus on any particular airline or credit card to begin accumulating points?
by Bustoff
Thu Oct 06, 2016 8:00 am
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 2690

Re: Adjusting the x% spending rule

It is not a "rule", it is a guide. I don't see how anyone can follow a mechanical rule. Anyway, spending is variable in retirement . +1 ... As a retiree, what concerns me are not the usual recurring annual expenses, but rather the affordability of a one time large cash purchase. For examp...
by Bustoff
Wed Oct 05, 2016 9:29 am
Forum: Investing - Theory, News & General
Topic: "Maybe You Should Sell Some Stocks"
Replies: 16
Views: 3474

Re: "Maybe You Should Sell Some Stocks"

How do we gauge the general health of the stock market? I don't try. I stay-the-course as Mr. Bogle recommends. It saves a lot of time and worry and the possibility of making mistakes. Best wishes. Taylor When I find myself in times of trouble Taylor Larimore comes to me Speaking words of wisdom, l...
by Bustoff
Wed Oct 05, 2016 9:21 am
Forum: Personal Consumer Issues
Topic: Anyone try YourMechanic ?
Replies: 29
Views: 3298

Re: Anyone try YourMechanic ?

Never heard of this company, but thanks for posting about it.
Sounds like it would be really convenient for a flat tire.
I need an oil change so maybe I'll give em a try.
by Bustoff
Wed Oct 05, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Advice on hiring an architect
Replies: 31
Views: 1975

Re: Advice on hiring an architect

Good friends hired a highly regarded architect for their kitchen rehab. The architect forget to design a space for the trash can. So now they have a beautiful and expensive kitchen with a trash can sitting in the middle.
by Bustoff
Wed Oct 05, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 5776

Re: Recommendations for Small or Midsize SUV/Crossover

The Santa Fe did well on everything except something I was not paying attention to: visibility out the rear sides. Based on seating position there were some pretty significant blind spots where the pillars met the rear 1/4 windows. Everything else was great. Finding an AWD one of these also seemed ...
by Bustoff
Wed Oct 05, 2016 7:29 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 6429

Re: Vitamix Worth It?

topper1296 wrote:I have a ~$100 Cuisinart and make a smoothie almost every day with zero issues. I don't see where spending 4X more is worth it.

+1 ... I think a Vitamix is great if you can take advantage of its various capabilities. But for just making smoothies, my $30 blender works great!
by Bustoff
Wed Oct 05, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: Adjusting the x% spending rule
Replies: 27
Views: 2690

Re: Adjusting the x% spending rule

It is not a "rule", it is a guide. I don't see how anyone can follow a mechanical rule. Anyway, spending is variable in retirement . +1 ... As a retiree, what concerns me are not the usual recurring annual expenses, but rather the affordability of a one time large cash purchase. For examp...
by Bustoff
Tue Oct 04, 2016 9:37 am
Forum: Investing - Theory, News & General
Topic: 5 Questions about Portfolio Construction
Replies: 5
Views: 602

Re: 5 Questions about Portfolio Construction

Many Bogleheads "slice and dice" and/or tilt to small value. It is a long term commitment and may take years to see an advantage. A few years ago I feared that I would miss out by not using a small value strategy. After considering my own limitations and having read the opinions of other B...
by Bustoff
Tue Oct 04, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Comcast vs Uverse
Replies: 13
Views: 921

Re: Comcast vs Uverse

We dumped U-verse. Too many billing issues.
by Bustoff
Tue Oct 04, 2016 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4375

Re: Retirement based on not on #, but healthcare?

LuigiLikesPizza wrote:Did any of you retire at the time, not when you reached your number, but when you became eligible for employee healthcare in retirement?...

No.
At the time Cobra was the only option.
by Bustoff
Tue Oct 04, 2016 8:26 am
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 44
Views: 4227

Re: First time negotiating for a car. Have questions

Some dealers will send you a low-ball a price on your requested vehicle even thought its not in their inventory. Then they try to get you into the dealership promising to find your vehicle if your willing to make a deposit.
Make them attach the VIN number to the vehicle you are pricing.
by Bustoff
Tue Oct 04, 2016 7:47 am
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 8370

Re: Spouse concerned about buying luxury SUV

lazydavid wrote: ... For some inexplicable reason, the Pilot and Highlander each have some key features that their upscale cousins (the Acura MDX and Lexus RX) don't have, for tens of thousands less ...

+1 ... They also make you pay for a higher trim level in order to get some basic safety features like BSM.
by Bustoff
Mon Oct 03, 2016 12:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13541

Re: Where is Livesoft?

Sure hope Livesoft is okay because I'm still working through his "How to pay ZERO taxes" thread and I have questions.

P.S. -- Not to steal the spotlight from Livesoft but just noticed "Browser" has not posted for almost one year.
by Bustoff
Mon Oct 03, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 9078

Re: Aging and Spending

For those of us who are moving along the age spectrum (let's say 65+), I was wondering if you find yourself indulging in things you might not have 10 or 20 years ago. Are you feeling that time is starting to run out a bit, so you better start doing and buying things you didn't used to? If so, what ...
by Bustoff
Sun Oct 02, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17226

Re: Net Worth Milestone Today - $1.5M

Congratulations to Meg.

Here's a fun way to check where you stand in relation to the rest of the pack.
Have no idea if it's accurate, but it's quick and easy.

http://www.globalrichlist.com/wealth
by Bustoff
Sun Oct 02, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 65
Views: 6295

Re: All-in-one Printer Recommendation

We currently have a Brother HL-2280DW black & white laser printer.
Refills cost about $50.
We get about 1000 pages per cartridge.
Meets our needs fine.
by Bustoff
Sun Oct 02, 2016 7:11 am
Forum: Personal Consumer Issues
Topic: Older cars by owner on Craigslist - how long to listings stay?
Replies: 14
Views: 1241

Re: Older cars by owner on Craigslist - how long to listings stay?

I believe listings expire after 30 days unless renewed.
Craigslist has become bloated with dealers and car flippers.
I proceed cautiously with Craigslist.
by Bustoff
Sun Oct 02, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2008
Views: 516984

Re: What Book Are You Currently Reading? Part VI

The Paradox of Choice by Barry Schwartz.
by Bustoff
Thu Sep 29, 2016 7:31 am
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5019

Re: Has anyone been tempted to buy AMZN?

I would be more inclined to sell AMZN as an individual holding.
by Bustoff
Wed Sep 28, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: Crossover SUV Suggestion
Replies: 30
Views: 2415

Re: Crossover SUV Suggestion

My questions is..Which of these if new? All are around $35000 and have all of my features (and a lot more). Hyundai has Android Auto. Murano is the biggest. Subaru is smaller which concerns me, but probably has the highest resale and reliability I suppose? 2016 Nissan Murano Platinum with Tech 2017...
by Bustoff
Wed Sep 28, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

Have you tried to compare the MDX to the Infiniti QX60 SUV? how about the Honda Pilot to the Murano? You may find it an easier decision with those comparisons. I agree with trying out the new Pilot. It has some of the same features as the MDX but it's not a "luxury" car so its a bit cheap...
by Bustoff
Wed Sep 28, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: Crossover SUV Suggestion
Replies: 30
Views: 2415

Re: Crossover SUV Suggestion

My questions is..Which of these if new? All are around $35000 and have all of my features (and a lot more). Hyundai has Android Auto. Murano is the biggest. Subaru is smaller which concerns me, but probably has the highest resale and reliability I suppose? 2016 Nissan Murano Platinum with Tech 2017...
by Bustoff
Wed Sep 14, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

Thanks emoore and janiebegood. We will try the Volvo and give the Pilot another look. Part of the reason we have not pursued the Pilot has been the pricing. Back in January 2015 I got an internet quote of $31,595 for a new "2015 Pilot EX-L that had an MSRP of $37,800. This week I noticed dealer...
by Bustoff
Wed Sep 14, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

We TD the 2016 Murano SL with Technology again yesterday. Here are a few observations. 1. This time we drove on the interstate. When approaching 65-70 mph I could feel a vibration in the steering wheel. It got worse as our speed increased. (The interstate surface was smooth and flat). At 80 mph is w...
by Bustoff
Mon Sep 12, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

I forgot to mention that we snowbird in the winter and two sets of golf clubs use up considerable cargo space. For that reason we had to exclude many of the smaller SUV's.
I would be interested in hearing what you "snowbirds" out there use for your travel needs.
by Bustoff
Mon Sep 12, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

I have a 2013 Outback 3.6R Limited. It is a good car with lots of features. The 6 cylinder engine is very peppy and works great in the mountains since it is linked to the 5 speed transmission. This is a very reliable setup and does not have any oil issues or timing chain issues. The steering is tig...
by Bustoff
Mon Sep 12, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

Have you considered a 2016 Subaru Outback? At that $33K price point you can get a loaded one with EYESIGHT collision mitigation system and the car holds value really well. We test drove the Outback Ltd with Eye a few months ago. I agree, you get a lot for the money. We thought the ride quality was ...
by Bustoff
Mon Sep 12, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

Re: 2016 Murano or 2016 Acura MDX

We have had a 2004 Murano and are still driving a 2010. Acura is a luxury brand for Honda. The luxury brand for Nissan is Infiniti. The $8,000 is the premium for the luxury brand. We love our current Murano. We bought the AWD LE package. It feels like luxury car with lots of extras. Of course we pa...
by Bustoff
Mon Sep 12, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3346

2016 Murano or 2016 Acura MDX

Yes, another car thread... sorry. We are trying to decide between the 2016 Murano or an Acura MDX. The Murano is the SL trim with AWD. We can get it for $33k. The SL is really loaded with safety and tech options. The 2016 Acura MDX is the base trim with FWD and has no options. That is offered at $41...
by Bustoff
Mon Sep 12, 2016 6:09 am
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 4394

Re: 2006 mazda miata for daughter, 42k miles, $10k?

The dealer gave Miata to use while our car was in the service department.

Later that day we were almost crushed by a huge dump truck because he couldn't see the Miata.
by Bustoff
Sun Sep 04, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3569

Re: Favorite Vegan Products

Thanks to all for your suggestions.
Good to be reminded that even some vegan food products can be highly processed. They will probably be used sparingly to ease the transition.
by Bustoff
Fri Sep 02, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 184
Views: 38921

Re: My New Car Buying Tips

Folks refer to the using the TrueCar price, but which price?

TrueCar pricing displays a range of pricing as follows:
Exceptional
Great
Good
Above Market

Are you guys using the lowest price ever paid under the "Exceptional" price column?
by Bustoff
Fri Sep 02, 2016 9:18 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 3569

Favorite Vegan Products

Thinking about reducing animal foods in my diet. I purchased a butter replacement called Earth Balance. I was really surprised how good it tastes.
What other tasty vegan products are out there?
Please share your recommendations for your favorite vegan products.

Thanks!
by Bustoff
Thu Jul 14, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: First trip to Hawaii
Replies: 15
Views: 1380

Re: First trip to Hawaii

We like to stay in Wailea because it's more laid back. It's close to Big Beach (pic below).
Wailea is also close to good snorkeling at Ahihi Keanau and La Perouse.

Image
by Bustoff
Thu Jul 14, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Sorry, You're Just Going To Have To Save More Money
Replies: 16
Views: 4160

Re: Jason Zweig: Sorry, You're Just Going To Have To Save More Money

For at least some accounts (retirement?), Vanguard is about to switch cash from the Prime MM fund to the Federal MM fund. I didn't hear about that, or I forgot. Thanks for the reminder. From the Vanguard Website. Changes coming for brokerage accounts The settlement fund Beginning later in 2016, Van...
by Bustoff
Thu Jul 14, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 14314

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

Gave up boating to spend more on ...

Golf
Travel
Dinning Out
by Bustoff
Thu Jul 14, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: What should I tip the limo driver?
Replies: 25
Views: 2266

Re: What should I tip the limo driver?

If you have been sampling wine for several hours there's a good chance you will be more generous with the tip.
Maybe give the driver a bottle of wine instead.

(My policy is to tip the Pilot when using NetJets or Wheels Up.)

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