Search found 1201 matches

by William4u
Tue Jul 25, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 62
Views: 2927

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

If not for the NYC thing, I'd recommend a minivan. Any Honda, Toyota, Subaru, or Mazda that you listed would work well. With three kids even the small SUVs are going to be tight, though. A Highlander or Pilot would be bigger and can get a third row. But NYC is hard for parking. You can fit three in ...
by William4u
Mon Jul 24, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: What's your personal savings rate?
Replies: 133
Views: 9758

Re: What's your personal savings rate?

Our savings have been about 2/3 of net for years. We spend on what made our lives good but mostly enjoy free stuff (libraries and parks, for example) and cheap stuff (camping and visiting friends and family). We can do this in part because we live in a relatively low cost area (thank you, midwest), ...
by William4u
Tue Jul 18, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2008 auto carry collision with 1K deductible?
Replies: 9
Views: 569

Re: 2008 auto carry collision with 1K deductible?

Drop it. Liability only for a car that old.
by William4u
Thu Jul 13, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6819

Re: Bogleheads: Please help me pick a new car

A Yota Camry LE I4 CVT, super easy drive and reliable. No need of AWD. Get self a set of snow tire.Mount them on a set of steel rim. 2017 model on sale now for $18000. 2018 model year is coming soon. I agree with WhiteMaxima. 4 cylinder Camry is safe and rock solid reliable. If you want speed get t...
by William4u
Wed Jul 12, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: $1368 for new shocks/struts on '05 Corolla?
Replies: 83
Views: 5038

Re: $1368 for new shocks/struts on '05 Corolla?

DIY is easy and cheap, especially in SoCal where you are from (little to no rust, unlike the midwest). If you are able to change your own oil and change a tire, this DIY would be the next step of "easy" repairs.
by William4u
Tue Jun 27, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 3112

Re: Best cars for multiple kids

Toyota Sienna or Honda Odyssey. It's a no brainer, as others have said. Super safe, versatile, comfortable, reliable, kid friendly. The Sienna is a little more reliable.
by William4u
Tue Jun 27, 2017 7:58 am
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 2364

Re: Realtor fee negotiations

There is research to suggest that a real estate agent isn't always a better route: http://freakonomics.com/2008/02/26/real-estate-agents-revisited/ That seems to suggest that RE agents wait for the best price for their own homes, but sell quickly at a lower price for other homes to get volume up. B...
by William4u
Sat Jun 24, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 56
Views: 4466

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

Fidelity might try to turn heirs into better paying customers.
by William4u
Sat Jun 24, 2017 3:17 am
Forum: Personal Consumer Issues
Topic: suggestions for narrow 6+seat vehicle
Replies: 10
Views: 1116

Re: suggestions for narrow 6+seat vehicle

I love my 2001 Toyota Sienna with 190k miles. I'm ready to replace it with a new car. Unfortunately, the 2017 sienna is 78" wide. New Honda Odyssey is 79" wide. I'm looking for suggestions for a narrow 6+ seat vehicle (3 rows) which can fit a bike _inside_ without taking off the wheel. Ca...
by William4u
Fri Jun 23, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 6819

Re: Bogleheads: Please help me pick a new car

fredflinstone wrote:Does anyone know if I can haggle over the price of a new Lexus? Or is Lexus a no-haggle dealership?


They haggle. They are not like Saturn used to be.
by William4u
Wed Jun 21, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Used cars in high demand
Replies: 16
Views: 2060

Re: Used cars in high demand

Often the dealer will quote a very high trade-in value for the used car you have, only to make up for it and then some of the new car price and the financing. This makes people say things like "I got $10k for my $8k used car, wow I got a deal!"
by William4u
Mon Jun 19, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 14
Views: 1391

Re: radon test kit

A quick 10 day test... https://www.amazon.com/First-Alert-RD1-Radon-Test/dp/B00002N83E/ A more accurate 6 month test... https://www.amazon.com/Accustar-Alpha-Track-Radon-Testing/dp/B001I8A0ZS/ They work well. Thank you. May I ask how do you know they work well? Consumer Reports liked the kits. My w...
by William4u
Mon Jun 19, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: radon test kit
Replies: 14
Views: 1391

Re: radon test kit

by William4u
Tue Jun 13, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7969

Re: What Do You Pay for an Oil Change?

I was not aware of the $12-$15 rebate from Mobil 1, I am assuming that is good when bought from Walmart, correct? I will have to remember that rebate going forward. Pennzoil and Mobil 1 run a $10-12 rebate for 5 quarts roughly 6 months out of any one year. Pennzoil has one running right now, and Qu...
by William4u
Sat Jun 10, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7969

Re: What Do You Pay for an Oil Change?

I spend about $20 to do it myself: 5qt synthetic oil (either M1 or Pennzoil after rebate) - $12 Filter - $8 Time - about 30 min, which is less than I would spend driving to/from a shop and waiting, and I know it's done right Yup. This is almost exactly what I do, except I use $6 Fram Ultra filters ...
by William4u
Sat Jun 10, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 7969

Re: What Do You Pay for an Oil Change?

Usually, about $3 per quarter and $5 per filter. I change the oil for everyone in my family's car. In terms of oil changes, I don't trust anybody. My dad took his truck to a Ford dealership, and somehow, I think they managed to use an impact wrench on the oil filter. Then, the oil drain plug had th...
by William4u
Sat Jun 10, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 8286

Re: College admissions question - she got a "C"

What is the purpose of college? It is really to get a good job that makes money so you can support yourself and your future family. That simple. It makes me sad that people think this is the purpose of college (that the purpose of college is not different ultimately than that of a vocational school...
by William4u
Fri Jun 09, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Noob portfolio. Need guidance. 27 years old.
Replies: 32
Views: 2621

Re: Noob portfolio. Need guidance. 27 years old.

Great advice here. Personally, I don't think you need the mid and small caps, but they are fine. Almost always, the good funds are the lowest ER funds. I would do a simple "3 fund" portfolio" like this... 1. S&P500 and one of the low-ER bond funds in 401k 2. Total Market Indexes i...
by William4u
Tue Jun 06, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Expense Ratio Advantage
Replies: 37
Views: 2912

Re: Vanguard Expense Ratio Advantage

Hi all, Vanguard does not have an ER advantage anymore on broad indexes and it does not appear likely they will in the future. Has the advantage of the Vanguard, including its corporate structure vanished? Why do you think that Vanguard will not in the future again have the advantage in expense rat...
by William4u
Mon Jun 05, 2017 9:20 pm
Forum: Personal Consumer Issues
Topic: Cold weather family summer vacation ideas
Replies: 32
Views: 2747

Re: Cold weather family summer vacation ideas

Isle Royale National Park or the Apostle Islands National Lakeshore. If you get too hot, you can take a dip in Lake Superior. That'll cool you off nicely. Glacier NP, Isle Royale NP, and Apostle Islands National Lakeshore are all cool and wonderful. The whole area around the latter two is very nice...
by William4u
Wed May 31, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Cell Plan based on an atypical use pattern
Replies: 32
Views: 1878

Re: Cell Plan based on an atypical use pattern

I pay $80/year with pageplus, which is $6.66/month. Texts are 5 cents, calls are 4 cents/min, and data is 10 cents per megabyte. I don't use it all and it rolls over for the next year.
https://www.fatwallet.com/forums/hot-deals/1053778
https://www.pagepluscellular.com/plans/80-standard-pin/
by William4u
Wed May 31, 2017 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6861

Re: Predicted 4% return over next decade. What do you do now?

I'd be really happy to get 4% real return. My main worry is the stock market drops and I get -5% annual return.
by William4u
Wed May 31, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

I have both a credit union account, and a B of A bank account (Big) banks have the following advantages: 1) More ATMs everywhere (nation wide) Actually, many Credit Unions beat banks on the number of free ATMs. For example, many CUs belong to the Co-Op Network with 30,000 surcharge-free ATMs in the...
by William4u
Mon May 29, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

Mega-bank #1 funds all my leisure travel (usually first class) with reward cards with sign-up bonuses worth $1000-$2000 per card on travel, then range of 10% to a minimum of 3% back on purchases when points are used for travel. We charge everything possible. First-rate fraud detection. Mega-bank #2...
by William4u
Mon May 29, 2017 5:09 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

I have both a credit union account, and a B of A bank account (Big) banks have the following advantages: 1) More ATMs everywhere (nation wide) Actually, many Credit Unions beat banks on the number of free ATMs. For example, many CUs belong to the Co-Op Network with 30,000 surcharge-free ATMs in the...
by William4u
Mon May 29, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

Banks and credit unions are offering a product and you are a consumer of that product. Do you also seek out nonprofit providers for everything you consume? Why don't food co-ops dominate over chain grocery stores? Why doesn't Linux dominate over Microsoft or Apple operating systems? If you do the r...
by William4u
Mon May 29, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

People fail to choose Credit Unions for similar reasons why people fail to choose Vanguard. For the most part and for most people (with some exceptions), both Vanguard and Credit Unions are superior to their for-profit competition. Lots of people choose Edward Jones and Wells Fargo, not knowing the...
by William4u
Mon May 29, 2017 9:58 am
Forum: Investing - Theory, News & General
Topic: Credit unions are non-profit, how come they do not dominate over banks???
Replies: 73
Views: 5608

Re: Credit unions are non-profit, how come they do not dominate over banks???

People fail to choose Credit Unions for similar reasons why people fail to choose Vanguard. For the most part and for most people (with some exceptions), both Vanguard and Credit Unions are superior to their for-profit competition. Lots of people choose Edward Jones and Wells Fargo, not knowing ther...
by William4u
Sun May 28, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg hit piece - Vanguard's Irritating Perch on the Moral High Ground
Replies: 52
Views: 7890

Re: Vanguard's Irritating Perch On Moral High Ground

I saw this on Bloomberg, and agree with many of the 67 negative comments on the Bloomberg discussion at the bottom of the article page. This article is immature and thoughtless...
https://www.bloomberg.com/view/articles ... igh-ground
by William4u
Sun May 28, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Good way of comparing Used Car prices?
Replies: 10
Views: 884

Re: Good way of comparing Used Car prices?

Look at a few craigslists used car ads by owner in major cities. Search for your car by year and model. Your should get a sense for the used car selling price (which is often 10% lower than asking price). For example, here are used cars for sale by owner in Chicago... https://chicago.craigslist.org/...
by William4u
Thu May 25, 2017 9:22 am
Forum: Investing - Theory, News & General
Topic: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks
Replies: 33
Views: 1921

Re: BlackRock, Vanguard Mull Pressuring Exxon to Disclose Climate Risks

The only legitimate criticism of index funds, IMHO, is how they will effect corporate governance. Vanguard, Blackrock, and State Street are the largest non-insider owners of most publicly traded companies. Will index fund managers hold corporate management accountable in the same way individual sha...
by William4u
Wed May 24, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13967

Re: i am my own "guy," but not sure I should advertise that

Giving good advice rarely helps, since many are living in a sea of bad advice. The good advice looks like bad advice to most. There is no "gold star" attached to good advice and good reasoning. For most people, there is no easy way to tell the difference. The ability to recognize good advi...
by William4u
Tue May 23, 2017 10:22 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 5135

Re: At what point to buy new car for safety

It is worth noting that the risk of serious injury is many times the risk of death. Insurance companies expect the average driver to be at fault in an accident once every 17.9 years. Aaaand... 1. You have a one in four chance of being in some kind of auto accident within any five year period of time...
by William4u
Mon May 22, 2017 5:30 am
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 5767

Re: Sell 2015 Subaru or Keep?

If buying the car prevented you from maxing out your 401k and IRA, then it was NOT something you could afford (in the sense of "I can afford to buy this and put plenty into a comfortable retirement and an emergency fund"). You should probably calculate how much you should be saving per yea...
by William4u
Sun May 21, 2017 7:57 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 5135

Re: At what point to buy new car for safety

The overall driver death rate for all 2011 and equivalent models during 2009-12 was 28 deaths per million registered vehicle years. The overall driver death rate for all 2002 and equivalent models during 2000-03 was 87 deaths per million registered vehicle years. http://www.iihs.org/iihs/topics/driv...
by William4u
Tue May 16, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: American Funds beat out Vanguard Index over lifetime?
Replies: 63
Views: 7673

Re: American Funds beat out Vanguard Index over lifetime?

There are probably an endless number of American Funds that LOST to the S&P500, especially after loads, ERs, taxes, and advisory fees.

If I threw together 100 random funds, a couple would beat the S&P500 by random chance alone.
by William4u
Tue May 16, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Which Small SUV for 15 Year Reliability?
Replies: 92
Views: 8540

Re: Which Small SUV for 15 Year Reliability?

The 2017 RAV4 has many more safety features standard than the others, including the Pre-Collision System with Pedestrian Detection & Vehicle Detection, Lane Departure Alert with Steering Assist, Automatic High Beams, and Dynamic Radar Cruise Control. You would need to get upper trims on the othe...
by William4u
Thu May 11, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401K fund(s)
Replies: 12
Views: 585

Re: Help with picking 401K fund(s)

This post by grabiner indicates that a breakeven between poor 401K and taxable investing might be 2% or higher, depending on how long you plan to stay with the company. https://www.bogleheads.org/forum/viewtopic.php?t=192490#p2926272. The second table on this wiki page provides guidance on how you ...
by William4u
Thu May 11, 2017 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Help with picking 401K fund(s)
Replies: 12
Views: 585

Re: Help with picking 401K fund(s)

Sorry that your investment options are not great, but I agree with going with the S&P 500 fund. Try to diversify your portfolio with your other accounts. -WSP +1 Yup, your 401k isn't good, but 100% S&P500 is the way to go in that account, and that is ok. All the other choices "stink to...
by William4u
Sun May 07, 2017 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3483

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

No university I know of will "guarantee" more than one year of funding. The usual practice is to offer one year of funding and that it is renewable up to a maximum of x years provided that the student performs "satisfactorily." I work in a College of Arts and Science, and any R1...
by William4u
Sun May 07, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3483

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I would not recommend anyone to pay for a PhD and due to the distance the price is even more crazy. How is the offer considered "full funding", they are barely covering the tuition including fees. Not to mention, only 1 year of guaranteed "funding"... No university I know of wil...
by William4u
Sat May 06, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3483

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

I would not recommend anyone to pay for a PhD and due to the distance the price is even more crazy. How is the offer considered "full funding", they are barely covering the tuition including fees. Not to mention, only 1 year of guaranteed "funding"... No university I know of wil...
by William4u
Sat May 06, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Small cap value tilt portfolio review
Replies: 25
Views: 2224

Re: Small cap value tilt portfolio review

I use all VBR for small cap (value), but your portfolio is certainly just fine (and way better than most).
by William4u
Thu May 04, 2017 8:17 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?
Replies: 21
Views: 1238

Re: Vacation ideas in the US south - Christmas 2017 - Galveston, St Augustine? Others?

My parents retired to St. Augustine 30 years ago and I've been there many, many, many times. It is really a nice little area for some slow relaxing. • The old town and fort are nice to visit and the bay front is a great place to walk. • Anastasia Beach Park is very beautiful and not busy at all. Gr...
by William4u
Tue May 02, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4022

Re: Car maintenance for older cars - where do you go ?

1. Fram Ultras are some of the best filters made. They aren't your grandpa's orange can. This is the consensus on BITOG, the main website on such matters... https://www.bobistheoilguy.com/forums/ubbthreads.php?ubb=showflat&Number=2956943 subpar build and pleat count. Much better choices out the...
by William4u
Mon May 01, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4022

Re: Car maintenance for older cars - where do you go ?

Good synthetic 5 quart containers of oil can be had for $10-12 or so with rebate. In the last 12 months I've bought a few Mobil 1 5 quart containers for $13 after rebate, and a few Pennzoil Platinum's for $10. Many oil companies have a sale with rebates a few months a year. There is an M1 rebate ri...
by William4u
Sat Apr 29, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Honda Transmission Service
Replies: 47
Views: 3604

Re: Honda Transmission Service

If Honda owners would just do a drain and fill with ATF once a year, about 99% of them would never need major transmission service. The old atf looses some of its additive strength and leaving the old fluid in leaves small pieces of metal that wear the gears like sandpaper.
by William4u
Sat Apr 29, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I in Trouble [Assets in cash, help requested]
Replies: 17
Views: 2658

Re: Am I in Trouble

Definitely get a FIDUCIARY financial adviser that is paid by the hour. You are financially in good shape, but you need advice.

http://money.usnews.com/money/blogs/the ... -fiduciary
by William4u
Sat Apr 29, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4022

Re: Car maintenance for older cars - where do you go ?

Good synthetic 5 quart containers of oil can be had for $10-12 or so with rebate. In the last 12 months I've bought a few Mobil 1 5 quart containers for $13 after rebate, and a few Pennzoil Platinum's for $10. Many oil companies have a sale with rebates a few months a year. There is an M1 rebate rig...
by William4u
Sat Apr 29, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 4022

Re: Car maintenance for older cars - where do you go ?

A good Independent Mechanic that specializes in Toyotas would be ideal. There are a few in every middle-sized city. Any good independent mechanic (automotive technician to be more precise) would work well too. Dealer mechanics tend to be more trained on newer cars but are often unfamiliar with older...

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