Search found 264 matches

by ncbill
Sat May 19, 2018 12:11 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 199
Views: 40936

Re: "Why 97% of People Don't Use 529 College Savings Plans."

another consideration for ubersavers is they may not have the income to cash flow college expenses in their 50s or 60s because they will already be retired. we are big 529 cheerleaders, even with no state tax break. You could take loans for education, cash-flow "afterwards" with kids earnings, and ...
by ncbill
Sat May 19, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 22
Views: 2266

Re: New 2018 Nissan Leaf (with 150 mi range)

53,000 miles on my Leaf and still have not lost a bar. I bought one of the very early Priuses and the ICE boosters all said that would be a battery nightmare. Sold it with 150k and no issues. It's early adopter stories like these that scare me. Hopefully, the technology is maturing. Priuses/prii do...
by ncbill
Sat May 19, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Nephew graduating high school & joining military. Gift Ideas?
Replies: 28
Views: 1302

Re: Nephew graduating high school & joining military. Gift Ideas?

I assume he is not going to one of the military academies. If he was, an early pair of Army boots would probably be needed. At the academies, they are supposed to be broken in before they arrive. You can buy them at a military base exchange, if you call ahead and find out how he can get on base. Wh...
by ncbill
Sat May 19, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Lexus RX 350, Audi Q5, or Volvo XC 60
Replies: 86
Views: 5002

Re: Lexus RX 350, Audi Q5, or Volvo XC 60

It seems that reliability/durability is top priority. Obviously fuel economy plays into it with the longish commute. I think you should hone in on a 2-year-old RX. It’s a commodity - there’s always a ton of them off lease and you should be able to pick up for around 30k. Livesoft wrote a post a whi...
by ncbill
Fri May 18, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 1444

Re: Roof TV Antenna Recommendation Needed

FYI, Dish network offers an OTA antenna installation service using a powered outdoor antenna: https://www.cordcuttersnews.com/need-antenna-installed-dish-will/ https://www.airtv.net/antenna-installation/ IIRC, it's this antenna: https://www.solidsignal.com/pview.asp?p=144180&utm_campaign=PJ_AFF&utm_...
by ncbill
Wed May 16, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: DIY AC freon for car or professional fill up
Replies: 15
Views: 1436

Re: DIY AC freon for car or professional fill up

Valves also leak over time.

Took a couple of summers (putting in the UV dye each time) for my local independent mechanic to figure out the low-pressure valve was leaking.

Just had the same thing happen (with the high-pressure valve) on my home A/C (well, heat pump)
by ncbill
Tue May 15, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Planning to buy car in next 6 months, please advise
Replies: 13
Views: 1381

Re: Planning to buy car in next 6 months, please advise

Thanks @abonder,@dm200,@soccerrules,@Blueskies123,@nocraig123 for great suggestions and advice. I would just like to add few additional details. We might be expanding family by another 1 in future and didn't want to buy/trade another car when we have 2 kids. Also my wife like cars like 'Forester' w...
by ncbill
Wed May 09, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1583

Re: Another Vehicle Question

There's no more passenger room in our Suburban than in our minivan. Looks like you can lease ($0 down) a base Suburban/Yukon XL for mid-$500s/month or a well-equipped model (e.g. Yukon XL Denali) for mid-$800s/month (per leasefax.com) I don't know about the Ford but as a Suburban owner...you don't w...
by ncbill
Wed May 09, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: 36" or 42" wide Refrigerator?
Replies: 28
Views: 2109

Re: 36" or 42" wide Refrigerator?

Standard-width, free-standing gets you the most choices both now & when it needs replacement.
by ncbill
Tue May 08, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: Do you know anyone unhappy in a CCRC?
Replies: 41
Views: 4509

Re: Do you know anyone unhappy in a CCRC?

There's no control over price increases, no matter what you're promised. You might get the same surprise my grandmother did. Lived in her CCRC for 20 years in a two-bedroom freestanding cottage. About a decade in, shortly after granddad died, the CCRC told her (and all the others who bought in at th...
by ncbill
Tue May 08, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5901

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Newborn. Most families don't stop at just one. Versatile design, so easy to configure for passengers/cargo. SUVs are more expensive to purchase, maintain, & insure, and don't come close to offering as much interior volume (unless you get something huge like a Suburban). And yet, the OP's question w...
by ncbill
Tue May 08, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to rent as a retiree?
Replies: 83
Views: 8625

Re: Does it make sense to rent as a retiree?

You can do both. Most in my development of town homes are elderly, downsized from larger, traditional SFRs. I got an amazing deal on the last unit direct from the builder, so we've lived in the same place from before the birth of my kids through them going off to college. And living here has been an...
by ncbill
Tue May 08, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5901

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Minivan. Toyota. Make sure to get gap insurance if you finance. Given this the OP didn’t really say what the car is going to be used for, I wonder why you suggest a mini van. They already have a full size family sedan. And the OP explicitly stated no loan, no lease, so no gap insurance. I am with b...
by ncbill
Tue May 08, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: How much car to buy on $250K income, $200K NW, newborn on the way
Replies: 78
Views: 5901

Re: How much car to buy on $250K income, $200K NW, newborn on the way

Minivan.

Toyota.

Make sure to get gap insurance if you finance.
by ncbill
Mon May 07, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16011

Re: most compelling TV character ever

Jim Rockford - Rockford Files - the most realistic PI character on television ever - ex-con, barely scraping by, beat up by the bad guys on a regular basis.

Angel - Rockford Files - the kind of small-time grifter Jim Rockford would have to put up with in his profession.
by ncbill
Mon May 07, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 268
Views: 32859

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

Any car with cylinder deactivation ought to have an override/lock out setting ... I have never hear of such a thing. Is this real or just a pipe dream? A pipe dream that ought to be-although I think some mechanically minded truck owners have done it themselves I believe I recall seeing a discussion...
by ncbill
Sat May 05, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Used car suggestions
Replies: 23
Views: 1071

Re: Used car suggestions

you can get a nice Accord or Camry or Civic. They have proven track records. You'll get a 150 responses, but a used Accord or a Camry or Civic sell at a premium for a reason...why complicate things. I like the Hondo Civic hybrid. He likes my Cmax because it sits up higher than a sedan. How old of a...
by ncbill
Fri May 04, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: SUV vs Full Size Car - Taurus or Escape
Replies: 55
Views: 2287

Re: SUV vs Full Size Car - Taurus or Escape

I understand your perspective Watty however; as cars wind down dealer service staff will too along with parts room inventories. The more important part being ability for dealers to furnish warranty support for no longer manufactured vehicles. Aftermarket shops and such will always be able to fix st...
by ncbill
Fri May 04, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 888
Views: 70443

Re: To take or not to take delivery of Tesla 3

I thought the interview with Sandy Munro about the Tesla 3 teardown was fascinating. He also discusses robotic assembly, design considerations for such assembly, and where Tesla falls short in design and manufacturing. He credits Tesla with a fabulous "skateboard", i.e. the floorpan, motor, drivetr...
by ncbill
Fri May 04, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Retirees Never Had It Better
Replies: 31
Views: 5013

Re: Retirees Never Had It Better

The mean is meaningless with the kind of wealth distribution we have. The median, and the various percentiles (75th, 80th, 90th, etc.) are what should be discussed. The following study gives more information about the distribution of wealth for “near retirees”: https://www.stlouisfed.org/publicatio...
by ncbill
Fri May 04, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 4734

Re: How old is too old for a vehicle, even for a well running one ?

Getting rid of the 20+ year old sedan our youngest kid drives this summer. 200,000+ miles, interior & exterior in rough shape. It was not a very popular model, so parts are getting harder to find & ridiculously expensive. OTOH, keeping a 15 year old Dodge minivan (~120,000 miles) It has proved much ...
by ncbill
Fri May 04, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: How do you know when you have "won the game"?
Replies: 142
Views: 15090

Re: How do you know when you have "won the game"?

OP, I hate to be the one to break it to you, but you aren't the outlier that you think you are in NW. You have a paid off home with 3.5M in investable assets, a real estate investment that (hopefully) is cash flow positive. That puts you somewhere in the "above average" category here. You are not c...
by ncbill
Thu May 03, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 91
Views: 5112

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Do what i did... buy a lifetime warranty for around $2700 from one of the big three jeep dealers that sell the mopar warrantys online. I paid around $2700 for a true lifetime unlimited mile warranty. See the jeep garage site for more details. Ive only owned Toyotas and hondas before, and they have ...
by ncbill
Thu May 03, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 17154

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

Just came here to update: none of our credit cards can be joint user, he can only be an AU... which is making more sense to me now because I thought we were joint owners because we opened the accounts together. The dealer seems to be back-peddling a bit now, after we told them we didn’t have a co-s...
by ncbill
Thu May 03, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10727

Re: Larry Swedroe: Financial Perils Of Old Age

You're referring to POA for financial matters, though we only used a durable POA to fund a trust (more flexible.) No. This refers to a general POA that addresses all areas including financial and health. These can be part of a comprehensive document (as in my mother's DPOA), or can be separate docu...
by ncbill
Tue May 01, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10727

Re: Larry Swedroe: Financial Perils Of Old Age

As to "durable POA" I found the following. It explains that the difference between DPOA and POA is that the former continues in effect beyond the incapacity of the principal - clearly something you want in the case of health care POA. DPOA can be either immediate or springing. A special type of pow...
by ncbill
Mon Apr 30, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10727

Re: Larry Swedroe: Financial Perils Of Old Age

Dementia is often not formally diagnosed until the patient is in the later stages, and by then the patient may well not be capable of directing their care. So someone else will have to do so, which is why it is best (at least for those in the U.S.) to already have a health care POA (there is usuall...
by ncbill
Mon Apr 30, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Amazon to raise Prime membership in US to $119 from $99
Replies: 145
Views: 10607

Re: Amazon to raise Prime membership in US to $119 from $99

Keeping Prime at the new price.

Dropping Netflix, as I don't stream much, considering I currently have 750+ hours of video on my Tivo DVRs.

Kids watched Netflix but as far as I'm concerned they can switch over to Amazon, unless they want to pay for their own Netflix account.
by ncbill
Mon Apr 30, 2018 10:51 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10727

Re: Larry Swedroe: Financial Perils Of Old Age

Dementia is often not formally diagnosed until the patient is in the later stages, and by then the patient may well not be capable of directing their care. So someone else will have to do so, which is why it is best (at least for those in the U.S.) to already have a health care POA (there is usually...
by ncbill
Fri Apr 27, 2018 6:00 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10727

Re: Larry Swedroe: Financial Perils Of Old Age

Her standard of living and his standard of living both improved when she moved in, he was fine at the time but we had finally persuaded him to stop driving. He had been stopped TWICE by the same deputy for driving really slow on US1. He was trying to find an address to a New Year's Eve party. The d...
by ncbill
Thu Apr 26, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6036

Re: Electric Toothbrushes - again

Switched from years of using Oral-B spinbrush to Sonicare a couple of years ago. My hygienist/dentist are much happier with my use of the latter. That's a bit of an apples and pears comparison. Be aware that Spinbrush is a much different product, and not manufactured by Oral-B/Gillete/Braun/P&G. It...
by ncbill
Thu Apr 26, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Learning to drive a stick [car with manual transmission]
Replies: 126
Views: 5735

Re: Learning to drive stick

I'd pay the extra.

You won't really learn how to drive stick decently unless you're doing it all the time, now.

It's not the time to try and deal with stick, in a foreign land.
by ncbill
Thu Apr 26, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Help! Nephew is asking for college advice (undergrad choices)
Replies: 41
Views: 2138

Re: Help! Nephew is asking for college advice (undergrad choices)

Purdue Engineering grad here. Purdue accepts a lot more students into engineering than graduate with engineering degrees. Entering students are accepted into the engineering program. They undergo a rigorous freshman year before applying to a particular engineering discipline. A freshman engineering...
by ncbill
Thu Apr 26, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Electric Toothbrushes - again
Replies: 55
Views: 6036

Re: Electric Toothbrushes - again

Switched from years of using Oral-B spinbrush to Sonicare a couple of years ago.

My hygienist/dentist are much happier with my use of the latter.
by ncbill
Sun Apr 22, 2018 6:34 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9089

Re: Boglehead Philosophy Open To Change?

What I was trying to convey is, their is a place for dividends (everyone knows that). I probably like them more than most people. But their is a huge segment of the investing public that we could help. In my mind it is like the 3 fund portfolio, it is a different option. I like options. I think the...
by ncbill
Sun Apr 22, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Car driver's power window - problem - ideas?
Replies: 13
Views: 975

Re: Car driver's power window - problem - ideas?

window tracks need to be lubricated - silicone spray, IIRC.

also, the guide/regulator will wear out over time.
by ncbill
Sat Apr 21, 2018 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8644

Re: Need for Medicare supplemental plan?

The question I have is if your MA plan ceases, BUT there are other MA plans available to you, can you go to original medicare and purchase a supplement (without medical underwriting)? The referenced article seems to say that you can. It's just not worth the risk as far as I am concerned. A suppleme...
by ncbill
Sat Apr 21, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Total Cost of Car Ownership over 10 years
Replies: 40
Views: 3366

Re: Total Cost of Car Ownership over 10 years

I think most posters here are way too low.

Unfortunately, "Cash for Clunkers" really bid up the price of used vehicles, so you don't save much on that 2-3 year old Toyota vs. buying it new anymore.
by ncbill
Sat Apr 21, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8644

Re: Need for Medicare supplemental plan?

Googling, it looks like you have the right to switch from one Medicare Advantage plan to another Medicare Advantage plan once a year. However the same does not apply to Medigap (You don't have the right to switch from one Medigap plan to another Medigap plan once a year). As someone else pointed ou...
by ncbill
Fri Apr 20, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Another discussion about private vs public schools?
Replies: 79
Views: 4424

Re: Another discussion about private vs public schools?

What are your thoughts? Any suggestions? Am I missing something? How did you make these decisions? Even if I can "afford" private school, is it throwing money down the toilet? I'm on the school board of a small private school here in the Midwest and will offer some of my thoughts. Like others have ...
by ncbill
Fri Apr 20, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Need for Medicare supplemental plan?
Replies: 155
Views: 8644

Re: Need for Medicare supplemental plan?

What I don't understand is why, in article after article, there's no mention of the high deductible Plan F? Are high deductible plans only available in some states? Contrary to a lot of the stories I'm reading about the coming end to Plan F (see https://www.forbes.com/sites/forbesfinancecouncil/201...
by ncbill
Thu Apr 19, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8453

Re: Should we save for our son's college?

Service in the United States military is how my kids are paying for their college education...one's trying to go to medical school the same way. I assume the financial aspect is only one of the things that contributed to their decision to join the army. In any case, things are different in Israel: ...
by ncbill
Wed Apr 18, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 11560

Re: We crush stock indexes, Yale claims

Any backtesting of that "Risk Parity 8%" over a longer period available?
by ncbill
Wed Apr 18, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4701

Re: PC laptops

5 year old iMac will have USB 3.0 ports.

OP should just buy an external USB 3.0 enclosure, install a SSD into it, clone the internal hard drive to the external SSD via Disk Utility and then set the startup disk to that external SSD.

It will be much faster once it's running from the SSD.
by ncbill
Wed Apr 18, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8453

Re: Should we save for our son's college?

Israel. Tuition there is ~$2500/year in top universities, and in my case (good grades & STEM field) I got a scholarship that covered tuition and living expenses. My PhD is from a US university, but that was on full scholarships too. So is sending your kid back there for cheaper schooling an option?...
by ncbill
Mon Apr 16, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Should we save for our son's college?
Replies: 96
Views: 8453

Re: Should we save for our son's college?

Israel. Tuition there is ~$2500/year in top universities, and in my case (good grades & STEM field) I got a scholarship that covered tuition and living expenses. My PhD is from a US university, but that was on full scholarships too. So is sending your kid back there for cheaper schooling an option?
by ncbill
Thu Apr 12, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Owners Title Insurance - Super Heavy Handed Pitch
Replies: 101
Views: 6023

Re: Owners Title Insurance - Super Heavy Handed Pitch

That said, I think this topic deserves a more rigorous analysis than I'm seeing here, and more rigorous than I've come to expect of BH'ers in every other aspect of their financial life. Consider a similar claim about protecting large amounts of assets: "Don't you want a professional financial advis...
by ncbill
Thu Apr 12, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 268
Views: 32859

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

After 385 miles, that is a significant change. It seems you are in "lemon" area. I would start with a "fix this or take this car back" discussion. These type of issues are very draining for me. I am a "fixer". Sometimes there are no fixes. We had a 2007 Honda Odyssey with the worst transmission in ...
by ncbill
Thu Apr 12, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?
Replies: 39
Views: 4018

Re: My PCP Won't See Me After Auto Accident - How to Handle With Insurance Company?

So is the consensus keep the PCP, tell them you'll pay in cash at the negotiated rate, and the OP handles the reimbursement from whichever insurer themselves?
by ncbill
Thu Apr 12, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Why are expected returns so much lower than historical returns?
Replies: 153
Views: 8903

Re: Why are expected returns so much lower than historical returns?

A lot of investable capital floating around the last few years. So people have been willing to pay well over $2000 for that lemonade stand, pumping up equity valuations and lowering the yields of traditional income-generating investments. Look at all the real estate "investors" in HCOL areas settlin...