Search found 178 matches

by abonder
Sun Feb 04, 2018 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: The big 5-0 and financial check up-advice please
Replies: 9
Views: 1652

Re: The big 5-0 and financial check up-advice please

Admirable position that you are in overall. You asked a lot of really big, contentious questions at the end of your post. In terms of social security - read up on this. Many Bogleheads advocate delaying taking SS as long as possible, as they view it more as longevity insurance rather than income to ...
by abonder
Sat Feb 03, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Buy vs Lease vs Trade
Replies: 4
Views: 353

Re: Buy vs Lease vs Trade

I don’t believe that you have given enough information for people to weigh in meaningfully. The first question is why you’re changing vehicles? If you’re needs have changed, then changes vehicles may be necessary. Otherwise, keeping your existing vehicle is almost always the most financially prudent...
by abonder
Sun Jan 21, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 5940

Re: Should I buy a business or suck it up at a job(s) with a pension.

I think the financial advice you’ve received is spot on. There’s a clear answer here and we all know it. The other issue is your mental health and overall well-being. I think you’ve been too dismissive of how transformational a change in your role, your location, etc might be. Maybe there’s opportun...
by abonder
Sat Jan 20, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Is there anything else I can do?
Replies: 10
Views: 1195

Re: Is there anything else I can do?

You’ll get more help if you post in the format illustrated by this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 It sounds like you’re doing a lot of things well. Maxing tax-deferred, good income. It will be easier to provide guidance if the additional information is provided alo...
by abonder
Thu Jan 11, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Which Car To Keep
Replies: 25
Views: 1453

Re: Which Car To Keep

You could make a case for either approach, but I think you made the right choice selling the Pilot. I view having a van plus a pickup truck as greater overall utility than a van plus pilot. The van is superior to the pilot for moving people and gear and the truck is superior for daily use and projec...
by abonder
Thu Jan 11, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2240

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

I agree that a 2-3 year old v60 seems to be a steal, at least relative to its level of luxuries and original price as a new vehicle. I suspect that Lower expected reliability and higher maintenance costs account for this high depreciation. I tried to learn more but last time I checked consumer repo...
by abonder
Tue Jan 09, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2240

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

I agree that a 2-3 year old v60 seems to be a steal, at least relative to its level of luxuries and original price as a new vehicle. I suspect that Lower expected reliability and higher maintenance costs account for this high depreciation. I tried to learn more but last time I checked consumer repor...
by abonder
Sat Dec 30, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3388

Re: Hyundai quality and reliability

I second the request for opinions on the Sedona. It’s rated average reliability by CR (same as odyssey) and it depreciates pretty quickly, which has always made me think it could be a good option as a lightly used purchase. Happy to hear if anyone has insight.
by abonder
Wed Dec 27, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: wisdom of buying a car about to be discontinued
Replies: 17
Views: 2527

Re: wisdom of buying a car about to be discontinued

A quick search in my area reveals the price to be in line with other cmax fusions for sale. I like the idea of finding a good car with terrible depreciation and scoring it used. If you plan on keeping the car for most or all of it’s usable life, then the rate of depreciation from the time you buy it...
by abonder
Mon Dec 25, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: manual car for new teen driver
Replies: 143
Views: 6779

Re: manual car for new teen driver

Mazda 3 can be had with a manual. You could probably get 2012 or older for under 10k. I’ve had my 2011 manual for 6+ years with minimal issues and have always found it to be enjoyable and fun to drive (considering it’s an economy car).
by abonder
Sun Dec 24, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: car thread- too much money?
Replies: 85
Views: 7160

Re: car thread- too much money?

The OP can definitely afford to buy two new, reasonably-priced, reliable, practical vehicles. There's a million threads on new vs. used, but if you're buying a reliable vehicle and using for many years, then you're basically doing most things right. Could the OP possibly identify high-quality used o...
by abonder
Mon Dec 18, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: opinions requested on student college decision / financial related
Replies: 87
Views: 4436

Re: opinions requested on student college decision / financial related

I think this is a winning situation regardless of the direction you/your daughter chooses. She’s fortunate to have parents who can provide financial support for her advanced schooling. Even if she ends up going to the flagship state school, she’s going to graduate debt-free with an excellent degree....
by abonder
Mon Dec 18, 2017 2:23 am
Forum: Investing - Help with Personal Investments
Topic: General advice for a new attending physician
Replies: 18
Views: 2241

Re: General advice for a new attending physician

If you want to invest in real estate, I would do a lot of learning first. As you noted, a single family home in your area might not be the most effficient use of your resources. I think your overall plan of staying in your paid off home, saving a high percentage of your income, and holding off on a ...
by abonder
Fri Dec 15, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite
Replies: 34
Views: 2566

Re: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite

Just chiming in again. You’ve gotten reasonable feedback. I’d echo that I really don’t think making the trade will be the most cost effective way to stay in the Tesla ecosystem. I think keeping the S is the most cost-effective way for you to continue driving a Tesla. If you would prefer to drive a n...
by abonder
Fri Dec 15, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2288

Re: Lexus RX 350 - new vs. preowned

Thanks for the summary. I think being bold and undeterred by rejection is probably the key thing. I did try to search for the old post but i couldn’t quite locate what I was thinking of. I feel like you should open a car shopping consultancy. You do the dirty work and get people good deals. I know t...
by abonder
Fri Dec 15, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2288

Re: Lexus RX 350 - new vs. preowned

Thanks live soft. I looked at both your posts but I thought that somewhere you had a detailed post about exactly how you negotiated for the very significant discount on your used RX 350. Do you recall that or am I confusing some posts. Thanks again for all the thoughts from everyone.
by abonder
Fri Dec 15, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2288

Re: Lexus RX 350 - new vs. preowned

Thanks for all of the feedback. It seems like the consensus is mixed but the overall feeling is that used or new can work. I seem to see a lot of 2-3 year old models around here,mostly coming off lease. It seems to me like there’s enough depreciation to at least make an argument for going used, pres...
by abonder
Fri Dec 15, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350 - new vs. preowned
Replies: 29
Views: 2288

Lexus RX 350 - new vs. preowned

Asking for a friend. Friend wants to move forward with purchasing a Lexus RX 350. Feels this vehicle will fit their needs. Open to new or 2-3 year-old lowish mileage options. Trying to assist in helping friend move forward. I’ve read a million new vs used Bogleheads threads and I know it’s often har...
by abonder
Fri Dec 15, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite
Replies: 34
Views: 2566

Re: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite

There’s rarely a case with vehicles where it’s financially advantageous to sell one car to buy another. It’s just that you end up taking a bath on transaction costs and you can rarely get both a fair price on the trade in/car you are selling and the new car you are buying. I don’t know enough of Tes...
by abonder
Mon Dec 11, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 20768

Re: My Costco/TrueCar auto shopping experience

But I sent the email to all dealers within a 150 mile radius (about 12) and got back a wide range of OTD offers... OMG, how did you get them to do that!!! I know the car I want and the options I want. I emailed the closest dealers in my area (also about 12 or so) telling them the car I wanted and t...
by abonder
Mon Dec 11, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: My Costco/TrueCar auto shopping experience
Replies: 44
Views: 20768

Re: My Costco/TrueCar auto shopping experience

But I sent the email to all dealers within a 150 mile radius (about 12) and got back a wide range of OTD offers... OMG, how did you get them to do that!!! I know the car I want and the options I want. I emailed the closest dealers in my area (also about 12 or so) telling them the car I wanted and t...
by abonder
Sun Dec 03, 2017 1:23 am
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3370

Re: Electric Car (Nissan Leaf) for a teen driver?

I still think it’s a cool idea for a third family car primarily for teen drivers staying locally. I don’t know the safety stats but have no reason to believe muchbfofferent from other similarly sized vehicles. I agree that depreciation is less severe when to account for fact that nobody pays near MS...
by abonder
Thu Nov 30, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 17148

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Thanks so much for following up. I think that delayed follow-up posts are some of the most interesting. I know the stories are anecdotal, but they still provide a framework for thinking about things. It’s wonderful that, in your case, you chose to maintain a work-life balance that enabled you to hav...
by abonder
Wed Nov 08, 2017 11:30 pm
Forum: Personal Consumer Issues
Topic: DIY vs work extra and pay a pro
Replies: 37
Views: 3116

Re: DIY vs work extra and pay a pro

For me, what I have found the most valuable part of DIY process: after completing a hard(first of its kind) DIY project, my confidence level soars...This has somehow been a blessing in disguise for me in my regular job too as I am pretty bold and confident handling tough situations. Which eventuall...
by abonder
Sat Oct 28, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 2266

Re: Which minivan?

I am surprised there was a good deal of anti-minivan sentiment in this thread. Sometimes forums are confusing. On a recent thread somebody inquired about large SUVs and gets told to buy a minivan. This poster inquires about a m8nivan and gets told to buy a crossover. I still think a minivan is an aw...
by abonder
Fri Oct 06, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing single
Replies: 2
Views: 433

Re: Married filing single

I really can’t speak to the implications of MFS. Not your question, but there are lots of ways to get around the pro-rata issue. Do you have a current 401k that allows incoming rollovers. If it’s a decent plan with options and fees that work for you, then this is probably easiest way to “hide” a pre...
by abonder
Sat Sep 30, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 4511

Re: I bought a car without thinking too much about value

I think you're overthinking this. It sounds like you drove your last vehicle into the ground. A Prius, which you negotiated for a seemingly good price, is an admirable choice. Excellent fuel efficiency, highly reliable, should run for 10 plus years with no major issues. I might see if you can get ou...
by abonder
Wed Sep 27, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Re: Merchant Dispute/Chargeback, now sent to collection agency

One other thing I meant to mention. I have a letter from CC company last month that states that the “merchant has accepted our pre-arbitration case; therefore, the credit adjustment in the above amount posted to your account on 6/6/2017 will remain.” To me this seems like a clear acceptance of charg...
by abonder
Wed Sep 27, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks nutmeg. That reinforces my decision to: 1. Send letter to disputing charge with collection agency 2. First work with my credit card company to see if there are any protections on my behalf or steps I can take with their assistance 3. If that fails, work with original vendor directly to try an...
by abonder
Wed Sep 27, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks TJSI, That’s two votes for working with my credit card company. Sounds like I ought to start there. Is there any downside to send back a certified letter disputing the claim to the debt collection agency? By disputing it, I’m not admitting to any culpability or waiving any rights, correct? Th...
by abonder
Wed Sep 27, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thank you, student. I started looking at that link but got a little overwhelmed. I’m sure it’s a wealth of resources but I’m unsure if I am willling to join a new group and become acclimated. I may try to elicit some more Bogleheads feedback before I venture down that path, but I appreciate learning...
by abonder
Wed Sep 27, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks RM. I really hadn’t thought about seeing if my Cc company could play a role. I read somewhere that they have the right to deny payment to a merchant but that that doesn’t preclude the merchant from independently trying to collect. Much of my frustration stems from the fact that we wanted to r...
by abonder
Wed Sep 27, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 1321

Merchant Dispute/Chargeback, now sent to collection agency

I’ve done a little searching on the internet in regards to a situation I’m having, but I wanted to solicit the judicious minds who frequent this site. Sorry this is a little long winded. We employed the services of a National exterminator service when we were concerned about an infestation in our ho...
by abonder
Sat Sep 09, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 4161

Re: Couple in early 30s, any changes?

There's a lot debate around the "which assets go preferentially in tax-protected." White coat investor had a provocative post arguing for bonds in taxable. One thing that is worth considering is a low-cost, high-quality municipal bond fund for any bonds you do have in taxable. The Vanguard intermedi...
by abonder
Mon Aug 28, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: After market rear view (backup) cameras.
Replies: 19
Views: 2217

Re: After market rear view (backup) cameras.

I've gone down this thought process many time and I always conclude that it's just not worth the cost. I presume my next vehicle will be outfitted with backup camera. Another option would be an aftermarket camera not integrated into the head unit - either with a screen attached to the dash or one wh...
by abonder
Sat Aug 19, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1461

Re: Seeking Non-Retirement Portfolio Help

You'll get more feedback if you post along the suggested algorithm (although most of the info has been provided now). A few quick points/questions. 1. Do you have tax-advantaged accounts like 401k, 403b, Roth IRA? If so, it would be useful to account for those investments in your overall asset alloc...
by abonder
Fri Aug 11, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3585

Re: Should I Buy a New Car?

Thanks for the follow-up. It sounds like the points raised actually helped you move towards a solution. Sometimes these "should I buy x?" Threads can be frustrating if the poster is simply looking for validation and is not truly open to any differing opinions or insights. Of course, you'll always ge...
by abonder
Wed Jul 26, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 75
Views: 6788

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

I like this thread and the diversity of opinions. I think three options from your "final" lost stand out for me. I agree with the posters who point out that it is possible to get three car seats across the back seat of many different vehicle, but I do think that there are vehicles that make it easie...
by abonder
Thu Jul 13, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5919

Re: Cutting the Cord: Who's Best?

Tivo plus OTA antenna can be a nice combo. Gives you DVR and channel guide capabilities. Makes the transition from cable less drastic, presuming you get OTA programming. It has app interfaces (Hulu, etc) but less good than roku, fire, etc. Sometimes there are really good sales on TIVO plus lifetime ...
by abonder
Mon Jun 12, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Switch Companies?
Replies: 28
Views: 3011

Re: Should I Switch Companies?

Thanks for the update. It's incredibly satisfying to reread an old thread snd then get to hear the outcome/developments. Thanks again.
by abonder
Sat Jun 10, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 3651

Re: Naming boat

Gotta go with Livesoft on this one. Brilliant.

Personal favorite that I've ever seen (no financial pun) was "man over broad" - I had to check twice to make sure I was reading it correctly. This is a fun thread.
by abonder
Mon May 29, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 55
Views: 7515

Re: Career Issue -- How do I recover?

Thanks for updating us. Your follow-up is incredibly honest and sincere and was probably not easy to share. It's wonderful to hear that you're in a better place now despite the challenging road to get there. It's also amazing to her your humility and modesty. I hope the new position brings you succe...
by abonder
Mon May 29, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio with munis
Replies: 4
Views: 773

Re: 3 fund portfolio with munis

I think the proposed portfolio is very reasonable. You need to determine if it's worth it to do muni bond fund B's regular bind fund. This decision is generally driven by your tax situation. The prior poster mentioned this as well. Generally, Muni funds make sense in the 28 percent bracket and above...
by abonder
Sun May 21, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6994

Re: Sell 2015 Subaru or Keep?

I agree with the replies so far to keep the car as long as it's not too much of a burden. In buying and selling automobiles, there's a large transactional cost so it's (generally) better to keep your vehicle and use it for as long as possible. Sure, spending 36k on a fully-optioned outback isn't the...
by abonder
Fri Apr 28, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 2142

Re: Need a car for 9-12 months

I am a little.confused. Is there a reason you can't continue to use current vehicle. Your mileage needs are pretty minimal (200 miles/week) and you have a relatively short time frame. If your current vehicle needs a lot of work, then it might make sense to change things up. But if you think your car...
by abonder
Mon Apr 24, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Plan
Replies: 14
Views: 1757

Re: Help with Retirement Plan

You pose a number of excellent and complex questions. Each question is the topic of countless extended threads in this forum. 1. Money needed in next 5-7 years needs to be safe (essentially no risk of loss of principle) - high-income savings account, CDs, treasuries, etc 2. Many Bogleheads via socia...
by abonder
Mon Apr 24, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4749

Re: Best vacuum cleaner for pet hair?

Another plug for Miele. Only recently acquired but the combination of suction, compact design, functional layout is amazing. I bought from a local vacuum specialist. Amazingly, the price was significantly lower than anything I found online and the proprietor helped me pick out the model which was ri...
by abonder
Sat Apr 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8726

Re: Time savers - life on automation

Our zojirushi handles brown rice well but the cook time is significantly longer...more like 1.5-2 hours for several cups vs. half the time for white rice. But it cooks the rice consistently and has worked flawlessly for several years. Definitely a big step up from our prior rice maker.
by abonder
Fri Apr 21, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4540

Re: Car Choices

As a reference in case you end up going the Acoord route. I helped my in-laws get a 2017 Honda Accord EX with automatic transmission and Honda Sensing package out-the-door for 26,200 (including all fees at 8.5 percent sales tax). There's lots of forums where people share pricing. Once he has his des...
by abonder
Fri Apr 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4540

Re: Car Choices

If reliability/durability is the primary concern then I'd rule out the Jetta. Mazda has good (maybe not the best) reliability. Start with the car buying issue of Consumer Reports at the library. I have heard that the deals on VW are really excellent now and I love then"feel" of the German engineerin...