Search found 747 matches

by markcoop
Mon Apr 23, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 2818

Re: Need to cut the cable cord - is there an alternative?

For me the biggest issue is sports. I'm ok seeing less sports, but I want what I see to look good. I have Sling, which gives me a 3 ESPN channels, TNT, TBS and maybe one more that has sports. It really is inferior. Still trying to decide what I want to do going forward.
by markcoop
Fri Apr 20, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2034

Re: How much off MSRP should one expect?

So I just went to a couple of the sites listed above. I bought a car a couple of weeks ago. The sites allow you to specify your exact with options and your zip code. Either I got a great deal or those sites are not so accurate. The sites gives a range. My car cost over $1,000 less than the lower num...
by markcoop
Fri Apr 20, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 23107

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I actually didn't buy a CRV this year because of this issue. Initially, it was my first choice. I wonder how much it has hurt sales in this country. I still don't have a strong feel as to how many vehicles really have this issue. My gut is this problem will get fixed and most Honda CRV owners will b...
by markcoop
Mon Apr 16, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: child starting college this fall - what do I need to know & do?
Replies: 16
Views: 1493

Re: child starting college this fall - what do I need to know & do?

Start with familiarizing yourself with the IRS information on possible tax benefits: https://www.irs.gov/newsroom/irs-reminds-parents-students-to-explore-education-resources-on-irsgov For me, the American Opportunity Tax Credit was the biggest thing to consider. For the first 4 years, I needed to n...
by markcoop
Mon Apr 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3080

Re: Larry Swedroe: Don’t Exclude Emerging Markets

I believe I have read in the past that International Small Value May be an even better diversifier than EM because ISV is more dependent on each local economy. Agreed but how can you buy it? Morningstar Premium fund Screener criteria: (Fund Category = Foreign Small/Mid Value) and (Morningstar Ratin...
by markcoop
Fri Apr 13, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529--Can you change plan-holder?
Replies: 6
Views: 438

Re: 529--Can you change plan-holder?

There may be financial aid reasons not to transfer ownership to the beneficiary's parent. This gets a little confusing, but if you have no financial aid concerns, you can ignore the rest of this post. Assets in a 529 held by a parent count as a parent asset for all of the parent's children. Assets i...
by markcoop
Fri Apr 13, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on which asset classes should go into which investment vehicles
Replies: 26
Views: 1455

Re: Advice on which asset classes should go into which investment vehicles

And maybe people agree that a TIPS fund should not go in taxable. From what I understand, I think this really depends on what state you live in. State income tax has a large affect on where it makes sense to place TIPS. I believe there have been a few threads about this in the past. Maybe someone h...
by markcoop
Fri Apr 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on which asset classes should go into which investment vehicles
Replies: 26
Views: 1455

Re: Advice on which asset classes should go into which investment vehicles

And maybe people agree that a TIPS fund should not go in taxable. From what I understand, I think this really depends on what state you live in. State income tax has a large affect on where it makes sense to place TIPS. I believe there have been a few threads about this in the past. Maybe someone h...
by markcoop
Mon Apr 09, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 7947

Re: Cash flow problems - best way to handle?

Looking at you 3 options you suggested: 1) 401K Loan - Not a fan. $175 is 3.5% of the loan, which seems like alot just for a setup fee. Also, hate the precedent of going into the 401K when money is needed. 2) Credit card - If you know you will have the money in a few months, certainly seems the chea...
by markcoop
Thu Apr 05, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

You don't have to talk the salesman out of the doc fee. The key is to not talk about the doc fee (or any dealer imposed fee) at all. Do not discuss them. Instead let the salesperson know that they can make the doc fee (or other BS fees) anything they want $100, 499, 700, or 10,000. It absolutely do...
by markcoop
Tue Apr 03, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11582

Re: 2018 Forester vs CRV vs RAV4

We are going to test drive the Outback, Mazda CX-5, and Nissan Rogue as well, as all 3 have rear AC vents. I just bought a Nissan Rogue yesterday. I also test drove the Toyota Rav 4, Honda CRV and the Mazda CX-5. My first choice, before the oil dilution issue, was the CRV. However, never really lov...
by markcoop
Tue Apr 03, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

Just thought I'd share the final result. Car came with 76 miles on it. I was able to find the other dealer (my dealer put the car on their website over the weekend and had the VIN number listed - with the VIN it was easy to find). The other dealer was 68 miles away. So sounds like the car had 8 mile...
by markcoop
Sun Apr 01, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

Why did you not search for the car you wanted in the color you wanted on your own, over the computer. You could have searched within 100 miles or 200 or whatever and done this all by yourself. Just go pick it up after you pick one out. I'm sure it will all turn out fine and there's nothing to worry...
by markcoop
Sat Mar 31, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

I once complained about the documentation fee. I said I did not want to pay it. The dealer said he could not remove it. However, he lowered the price by about half of the fee. Don't accept a "no" without arguing a little. So that was another interesting point I had. When I gave the salesperson the ...
by markcoop
Sat Mar 31, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

ok...I should probably add a few more details. I originally shopped for this car at a dealer (dealer #1) close to my house. They had one car on the lot with the exact options I wanted with 10 miles on the odometer and I was told I was the first to test drive it. However, I didn't prefer the color (o...
by markcoop
Fri Mar 30, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

They gave me a contract to sign that said it was non-refundable. I guess the idea is they are paying for the car to be moved. He also said they have never had a problem and have done this many times (I know I can't depend on that).
by markcoop
Fri Mar 30, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

I think what bothered me was they wouldn't tell me where the other dealer is. I asked if they could just take a picture of the odometer and they said no. Again, I have no reason to believe anything fishy is going on. Just didn't realize that's how they sometimes transport cars from other dealers.
by markcoop
Fri Mar 30, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

Re: New car from dealer may have close to 150 miles - ok?

Thanks for the replies. Not really concerned. Just was not familiar with the process. Of course, my $500 deposit is non-refundable.
by markcoop
Fri Mar 30, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 5773

New car from dealer may have close to 150 miles - ok?

I am buying a car from a dealer that does not have the exact car I want on the lot. He could get it. He says it currently has 25 miles on it, but it's close to 100 miles to drive it to the dealer. I have no way to confirm any of this as I don't know where he is getting the car from. Should I be conc...
by markcoop
Wed Mar 28, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2697

Re: New 2019 RAV4 is now out - looks good

Interesting how it has Apple Carplay and not Android Auto. My wife has an Apple and I have an Android. So, if I care about that, it may be a concern. Then again, not sure how important Apple Carplay and Android Auto are in cars. I have heard people say they would not buy a car without them. I am cur...
by markcoop
Sun Mar 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 669

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

So I went back to the dealer again and sat in the car without the leather seats and with the leather seats. I have a car with leather seats now and don't think it's such a big deal. Interestingly, the cost turned out to be identical once I added in the factory options - 2018 I'm looking at comes wit...
by markcoop
Sat Mar 24, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 669

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

You can generally go on the nissanusa web site and look at exact dealer stock. Maybe even look at the window sticker for anything they have (might see manufacturing date). You get odd things in dealer inventories some times. Maybe one dealer got a special deal from the manufacturer to take some slo...
by markcoop
Fri Mar 23, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 669

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

Thanks for the replies. The main difference is the leather seating. Most of the standard items in the 2017 SL are included in the optional packages I'm looking at in the 2018 SV. The only other difference, as far as I can tell, are some safety features (lane departure, adaptive cruise control) that ...
by markcoop
Fri Mar 23, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 669

Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

Now that I decided to move on from getting a Honda CRV, I have decided that I want a Nissan Rogue. I have also looked at the Toyota Rav 4 and Mazda CX-5. I also looked at leasing an Acura RDX, but opted against that as well. At this point I am leaning toward the Nissan because it offered the most fo...
by markcoop
Thu Mar 22, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 200
Views: 23107

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So I was looking at buying the CRV this month. I asked the dealer about it and they said they had not heard of the problem. I forwarded him some info about it last Saturday. He told me he would look into it - talk to their technicians and do some research. I told him this was a deal breaker for me. ...
by markcoop
Thu Mar 22, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2430

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Deciding between these 3 payment options to buy new car: 1) Pay full amount - get $750 discount 2) 0% 36 months - no discount 3) 0.9% 60 months - no discount Assuming I can afford either option, which do you think is best? I believe the answer lies in what interest rate I can get for the money I am...
by markcoop
Wed Mar 21, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2430

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Thanks all. I think there were a number of interesting responses. I posed the question taking nothing else into account (the best way to initially work on a problem), but of course, as one poster mentioned, you have to take everything into consideration. Some comments: 1) I don't think the correct c...
by markcoop
Wed Mar 21, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2430

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

How much is the car? Answer may be different for $10k vs $75k. 750/10k = 7.5%, 750/75k = 1%, 750/24k = 3% For most balances, 0% for 36 months is likely the best answer. Also, 0.9% x 5 years / 2 = 2.25% (total interest over linear estimate average balance). Around $30,000. Not sure I understand what...
by markcoop
Wed Mar 21, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2430

Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Deciding between these 3 payment options to buy new car: 1) Pay full amount - get $750 discount 2) 0% 36 months - no discount 3) 0.9% 60 months - no discount Assuming I can afford either option, which do you think is best? I believe the answer lies in what interest rate I can get for the money I am ...
by markcoop
Mon Mar 19, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11582

Re: 2018 Forester vs CRV vs RAV4

I guess it is not that I specifically agree with CR methodology. I just don’t know of a better unbiased reference and do want to limit my search somehow (e.g., since CR ranks Mazda CX-5 #5 should we also test drive Nissan Rogue which is ranked #4?). I haven't heard much here about the Nissan Rogue,...
by markcoop
Mon Mar 19, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 122
Views: 11582

Re: 2018 Forester vs CRV vs RAV4

I guess it is not that I specifically agree with CR methodology. I just don’t know of a better unbiased reference and do want to limit my search somehow (e.g., since CR ranks Mazda CX-5 #5 should we also test drive Nissan Rogue which is ranked #4?). I haven't heard much here about the Nissan Rogue,...
by markcoop
Fri Mar 16, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Never leased a car...good deal? How to tell?
Replies: 3
Views: 644

Never leased a car...good deal? How to tell?

I had originally posted this in another thread, but thought it might be better to give it it's own thread. Considering leasing a car instead on buying a CRV given all the oil dilution conversation. FYI, Step Up To An Acura RDX: $318/Month, $0 Down Lease MARCH 10, 2018 We wouldn't be surprised if the...
by markcoop
Thu Mar 15, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

At this point not sure what to do. I was leaning toward buying the CRV. I certainly could wait a month or two but would prefer to have another car by that point. Is there any reason to believe this issue will be resolved soon? I am aware of the other thread on this issue and did look at some other l...
by markcoop
Wed Mar 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Alot of interesting info to digest. Another option I was looking at, if I go the CRV route, is to buy a new 2017 to save a few bucks. I see the two dealerships close to me have some in stock. From what I understand, the 2017 and 2018 are very similar cars. Anyone have th...
by markcoop
Tue Mar 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Alot of interesting info to digest. Another option I was looking at, if I go the CRV route, is to buy a new 2017 to save a few bucks. I see the two dealerships close to me have some in stock. From what I understand, the 2017 and 2018 are very similar cars. Anyone have tho...
by markcoop
Tue Mar 13, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

Over the weekend looked at 3 cars: Honda CRV, Toyota Rav 4, Mazda CX5. For the price, I decided the Honda CRV was the best car for me Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. Th...
by markcoop
Mon Mar 12, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Some points: 1) I think I'm going to keep the Odyssey to have as a third car. I will use it when the kids are home. Will use it for bikes. I actually fit 2 10.5 kayaks in it. Just for that I want to keep it. Honda offered me $1,800 for it - 2007 with 160K on it. Body has ...
by markcoop
Mon Mar 12, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

Over the weekend looked at 3 cars: Honda CRV, Toyota Rav 4, Mazda CX5. For the price, I decided the Honda CRV was the best car for me Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. Th...
by markcoop
Mon Mar 12, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Re: Need help on car decision: Honda CRV vs luxury car used

I'm talking about putting the back seats down. I have seen pictures where you can do it taking just the front wheel off. They even have some attachment you can buy to attach the front fork to something.

Not looking for luxury, but wouldn't mind it.
by markcoop
Mon Mar 12, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4283

Need help on car decision: Honda CRV vs luxury car used

I am in the market for a car. Have 2 kids in college and 1 in high school. We also like to do outdoor stuff like bike. The car that's being replace is a Honda Odyssey where we were able to fit both bikes in the car standing up (I also have bike racks). So, looking to get the smallest car where I cou...
by markcoop
Tue Mar 06, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Another "Should I self-insure" for LTC Question
Replies: 119
Views: 6997

Re: Another "Should I self-insure" for LTC Question

But, here's the real reason for keeping the policy: “... so that your kids (loved ones) don’t have to agonize over whether or not to get you the care you need, which might otherwise cost them some of their inheritance. Who would want to put that trip on his or her kids?” When my in-law needed care,...
by markcoop
Sat Mar 03, 2018 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Opening Vanguard IRA - who to make check out to?
Replies: 1
Views: 176

Re: Opening Vanguard IRA - who to make check out to?

Found a form that had it. It's just to Vanguard.
by markcoop
Sat Mar 03, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Opening Vanguard IRA - who to make check out to?
Replies: 1
Views: 176

Opening Vanguard IRA - who to make check out to?

Hopefully a very simple question. Grandma wants to help grandkids setup IRAs (they have some earned income). I am at grandma's house now and I want her to write a check to give to each child to open the accounts to be submitted with the paperwork. I don't have the paperwork in front of me, Vanguard ...
by markcoop
Wed Feb 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 174
Views: 12533

Re: How much cash do you keep at any time on checking?

I used to keep very little (under 1K) and used overdraft protection with my HELOC. That worked fines when rates were lower and the interest on the HELOC was being deducted on my taxes. So at times I may have had a couple thousand on my HELOC but I would pay it off next pay check. Starting this year,...
by markcoop
Fri Feb 23, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: 529 vs. custodial account for my kids
Replies: 11
Views: 716

Re: 529 vs. custodial account for my kids

I'm happy with my UTMAs. They can grow fairly large before the kiddie tax takes effect, and they are more flexible. I plan to have them mostly spent down before the child gains control. I don't get a state tax deduction for a 529. And I don't anticipate qualifying for financial aid either way. It s...
by markcoop
Thu Feb 22, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs. custodial account for my kids
Replies: 11
Views: 716

Re: 529 vs. custodial account for my kids

I'd encourage people to be cautious in setting up "custodial 529 plan," at least with new money. That is because the beneficiary usually cannot be changed. In late 2017, I did a withdrawal from a 529 for my child that was set up in 2003. The cost basis was around 50% of the account value - - that w...
by markcoop
Thu Feb 22, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plan - is this even valuable/worth it?
Replies: 34
Views: 2365

Re: Employee Stock Purchase Plan - is this even valuable/worth it?

I did it for a while with my company at 15% and then it dropped to 5%. I continued to do it for a while at 5% but then decided it wasn't worth the hassle. I'd suggest to first figure out the absolute savings per year (assuming no risk). For me, taking everything into consideration, it was 3 to 4 hun...
by markcoop
Thu Feb 22, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: 529 vs. custodial account for my kids
Replies: 11
Views: 716

Re: 529 vs. custodial account for my kids

For my two kids' 529 plans, I am the owner, and they are the beneficiary. Is that what you mean by 'custodial' account? No. I am talking about a 529 plan that is like a UGMA/UTMA account. It is usually funded from money from an UGMA/UTMA account. but some places allow you to set it up new as such. ...