Search found 1963 matches

by Bustoff
Fri Feb 03, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)
Replies: 23
Views: 1923

Re: Spring break trip ideas, mid-March, family of 5 (3 teen/tweens)

Hilton Head Island may be worth considering. Lots to do there.
The 45 minute drive to Savannah is a great day trip.
by Bustoff
Fri Feb 03, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2154
Views: 584902

Re: What Book Are You Currently Reading? Part VI

The Undoing Project by Michael Lewis.
by Bustoff
Fri Dec 23, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 3056

Re: Help choosing a mattress

A word of caution. In our experience, the manufacturer warranties are pretty much worthless.
by Bustoff
Fri Dec 23, 2016 11:17 am
Forum: Investing - Help with Personal Investments
Topic: TLH Total International after distribution?
Replies: 4
Views: 398

Re: TLH Total International after distribution?

Thanks livesoft & Cyclesafe.
Not enough LTCG to push me out of zero.
by Bustoff
Fri Dec 23, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH Total International after distribution?
Replies: 4
Views: 398

TLH Total International after distribution?

Greetings Bogleheads,

We are in the 15% tax bracket and thus pay zero capital gains taxes.

Should I still tax loss harvest Total International to help offset $3000 in ordinary income and short-term capital gains even though I missed the opportunity to TLH before this last distribution?

Thanks
by Bustoff
Sun Dec 18, 2016 12:15 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 5143

Re: Personal fulfillment in retirement

Doing the things we daydreamed about when we were working.

For example, we left the brutal cold behind and are now playing golf in Sun City, AZ. 8-)
by Bustoff
Sun Dec 18, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? Seven Week Update
Replies: 131
Views: 10891

Re: Learning an instrument as an adult?

Any folks on here decide they'd like to learn to play an instrument for the first time as an adult and total beginner? As in, you cannot even read music? If so, what did you try and how did it go? Retired and can't read music. Recently bought set of drums and began private lessons. Also, just bough...
by Bustoff
Sat Nov 05, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: Visiting San Francisco
Replies: 21
Views: 1801

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: 1205
Views: 149009

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: 1205
Views: 149009

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: 1205
Views: 149009

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: 2521

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: 7611

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: 7210

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: 1613

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: 1509

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: 1205
Views: 149009

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: 1205
Views: 149009

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: 1205
Views: 149009

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: 2892

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: 3547

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: 3458

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: 2101

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: 6273

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: 6989

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: 2892

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: 647

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: 998

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: 4679

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: 4582

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: 8704

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: 14035

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: 9444

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: 18106

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: 6738

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: 1302

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: 2154
Views: 584902

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: 5389

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: 2598

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: 3785

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: 2598

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: 3785

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: 3785

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: 3785

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: 3785

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: 3785

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: 3785

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: 3785

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: 4647

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.

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