Search found 130 matches

by drg02b
Wed Oct 09, 2019 3:58 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4949

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

Actually, poster stated an EX-L, which is MSRP $29,850 (FWD, or $31,250 AWD) and is different from an EX -- if you look closely at the thread, lowest price for EX-L was just under $28k for that model and doesn't factor in sales tax. Comparing a 2015 CR-V to any trim level of the 2019 CR-V is apples...
by drg02b
Wed Oct 09, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4949

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

I was with my mom buying a new 2018 crv Exl awd two years ago and she was closer to 30k. I’d love to know where these 24k new ones are. No kidding. The CRV EXL AWD starts at $31K. You may get $3K off MSRP, but nowhere close to $24k. First off, bungalow10 stated they purchased a "4 year old CR-V EX-...
by drg02b
Fri Oct 04, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 4949

Re: New Honda CR-V vs. 2-3 Year Old CR-V?

But regardless of everything mentioned above, my example still holds, well beyond a $3K difference... - Used Car: $25,000, 35,000 miles on odometer, 115K usable miles = $0.217391/mile. - New Car: 0 miles on odometer, 150K usable miles x $0.217391 = $32,609 So you could spend up to $32,609 for the N...
by drg02b
Tue Oct 01, 2019 4:12 pm
Forum: Personal Investments
Topic: VTI now has lower fees than VTSAX
Replies: 30
Views: 3672

Re: VTI now has lower fees than VTSAX

Even if it’s meaningless, why would anyone pay more than necessary? Please educate me. Not trying to "educate" you, I am not qualified to do any of that here. But here are some reasons one might use the MF>ETF in this case: - You like automated investing and your brokerage doesn't have the ability ...
by drg02b
Wed Sep 25, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Uber - first time user - will I get picked up
Replies: 36
Views: 3689

Re: Uber - first time user - will I get picked up

First time I used Uber was staying with some friends in Arlington, VA and getting to Bethesda for a work meeting. I saw ~45 minute wait and told my friends I had some time to kill. Car showed within 5 minutes. Turns out the "wait" I thought I had was just the projected time out from my destination.
by drg02b
Tue Jun 18, 2019 9:02 am
Forum: Investing - Theory, News & General
Topic: VTSAX - Low Q2 dividend
Replies: 15
Views: 3936

Re: VTSAX - Low Q2 dividend

Yeah, no reason to worry over what amounts to a half-percent drop in annualized yield for one quarter. Less taxes to pay.
by drg02b
Wed Jun 05, 2019 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 6110

Re: Is it Wise to Remove Escrow if Bank Allows it?

My mortgage is through a local credit union. Three of the last four times, they've failed to make a timely insurance payment and I had to notify them a few days before the due date. I've asked every time to be able to cancel the escrow, but they refuse. Most credit unions are pretty inefficient and ...
by drg02b
Mon May 13, 2019 7:36 am
Forum: Personal Investments
Topic: Parking/Investing $100k in a tax-advantaged manner
Replies: 12
Views: 1117

Re: Parking/Investing $100k in a tax-advantaged manner

Ally offering a 12-mo CD for 2.7%. Beyond that, invest in stocks if you are prepared for the risk of pulling your money out at a 50% loss if you need it, or waiting 2-5 years for it to recover.
by drg02b
Sat Apr 06, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 3413

Re: Eye glasses - cheaper alternates

Bought my first pair from Zenni last fall... totally happy with them.

Try on pairs in a store like Warby Parker or your optometrist, note the measurements so you know what feels/looks good (if you don't already know this from your current pair.
by drg02b
Sun Feb 10, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: Passport Photos ?
Replies: 85
Views: 4195

Re: Passport Photos ?

I downloaded a free app on my phone (forget which one) that lined your face up appropriately and then printed a 4x6 at Walgreens for less than $1. It worked, no issues.
by drg02b
Sat Dec 15, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 4102

Re: Adult Games / Board Games - Recommendations

Nerts, Settlers of Catan, Ticket to Ride, Dominion, Splendor, Pandemic
by drg02b
Fri Nov 30, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Remodeling - tipping?
Replies: 56
Views: 3183

Re: Remodeling - tipping?

I recently quoted replacing 7 small windows on my third floor... A remodel company gave me 3 different prices, with $9,800 being the offer, and $8,000 if I signed on the sales pitch that day (it was clear they were hiring someone else to do the install, and I was paying for 2 salesmen to visit). Two...
by drg02b
Wed Nov 28, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Why is the Honda Fit so hard to find?
Replies: 63
Views: 6722

Re: Why is the Honda Fit so hard to find?

bob60014 wrote:
Tue Nov 27, 2018 9:47 am
You can tell where the focus is.
It's on the Ford lot.
by drg02b
Tue Nov 27, 2018 3:24 pm
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 122
Views: 23245

Re: St Louis Bogleheads

"wife weather" ??? Don't tell her you referenced her weather... :)
by drg02b
Sun Nov 11, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.
Replies: 11
Views: 864

Re: High/many credit card balances (0%APR) - effect on credit rating, getting more cards.

I've done the same things as others in this thread for home projects. Low 800's, dropped ~20 for new inquiries/accounts, then to low/mid 700's with high utilization, and then went very quickly back to 800+ on repayment. Parents thought I was crazy, but I got ~20,000 at 0% for 15-21 month to do some ...
by drg02b
Thu Oct 25, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Why I'm 100% stocks
Replies: 149
Views: 19817

Re: Why I'm 100% stocks

I am in my mid-30's... except for my HSA, which is split between stocks/bonds, I am 100% stocks in everything else.
by drg02b
Fri Oct 19, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Jury duty - already booked vacation
Replies: 53
Views: 6844

Re: Jury duty - already booked vacation

FB01 wrote:
Tue Oct 16, 2018 11:32 am
Thank you guys for all the feedback.

In my county, they gave me option to select a different week which I did. They did not ask for any documentation.

-JR

Glad to hear... that's what they do in my jurisdiction... they even let me pick the week over the phone.
by drg02b
Thu Oct 11, 2018 5:56 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3758

Re: Budget Coffee

I tend to like light roasts and spend ~$16 / lb whole beans but got some New England Coffee the other day at about $6 / lb and didn't think it was all that bad. I'll probably stick with the local higher end stuff but am curious to try more of the cheap stuff. What do you all like for coffee say und...
by drg02b
Fri Oct 05, 2018 9:58 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52546

Re: [Ally online savings now at 1.80%]

Ally seems to be lagging VMMX by about 0.25 percent -- that's now I know they are raising their rates as the VMMXX yield goes up. :wink:

They're certainly not the top, but they are staying competitive, and in the whole scheme of things, it's not that much money for the lag.
by drg02b
Thu Oct 04, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: How much interest do I owe if I don't pay credit card balance in full?
Replies: 18
Views: 2268

Re: How much interest do I owe if I don't pay credit card balance in full?

Probably $1000 x 20% / 365 days x 4 days... but depends on how they compound and your exact terms. So yeah, call them.
by drg02b
Mon Oct 01, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 1038

Re: Lifetime alignment services

It is just like an extended warranty, it is usually not worth it. A "warranty" and service agreement are hardly the same thing. We had a lifetime alignment from a local shop that we paid $250 for and must have used every 6-9 months for 12+ years. We saved tons of money on that. Though every time we...
by drg02b
Wed Sep 26, 2018 2:40 pm
Forum: Personal Investments
Topic: When does VTSAX pay its dividend this month?
Replies: 16
Views: 5781

Re: When does VTSAX pay its dividend this month?

Today...
https://investornews.vanguard/upcoming- ... formation/

(Technically, will be recorded, not paid, today).
by drg02b
Mon Sep 24, 2018 7:34 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 12309

Re: Minimalist Lifestyle

I live in a 4-bedroom house, three of which are utterly devoid of anything but dust. So you don't even own a mop. :P I'm in the process of selling my house to take a year off for travel. Have always considered myself closer to minimalism, but starting to realize how much stuff I have accumulated.
by drg02b
Tue Aug 28, 2018 6:53 am
Forum: Personal Investments
Topic: Capital Gain tax free
Replies: 8
Views: 1463

Re: Capital Gain tax free

BY after tax, do you mean Roth or straight taxable. In Roth, it doesn't matter. In a straight taxable account, it could be beneficial if you're in one of the lower brackets, but don't forget about state income taxes on those gains (if you're in a state with an income tax).
by drg02b
Mon Aug 27, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: 28/F - First time home buyer needs advice on saving more
Replies: 39
Views: 4140

Re: 28/F - First time home buyer needs advice on saving more

Sometimes your state housing finance commission will have programs for 1st time home buyers or other programs to take advantage of. Agree, that borrowing on a 401k is not a great idea. Sounds like you have (or are close) enough non-retirement money to cover a 20% down payment, but I'd agree with mos...
by drg02b
Mon Aug 27, 2018 11:38 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12863

Re: Call the Top!

According to Morningstar the market is almost exactly fairly valued, so my vote is that the market will march on more or less as it always has with a long-term return expectation of about 9-10%. For the purposes of this thread, I think the market will close to double from here before the next bear ...
by drg02b
Sun Aug 26, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12863

Re: Call the Top!

$5,904 sometime in late 2019 early 2020.
by drg02b
Tue Aug 21, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Giving away donation receipts
Replies: 22
Views: 1696

Re: Giving away donation receipts

If you gave items to others to donate, then that would probably be fine. But no nonprofit in their right mind is going to acknowledge a monetary donation as coming from someone else when it came from you.
by drg02b
Fri Aug 03, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 3139

Re: Should I roast my own coffee?

Roasts only take me 10-12 minutes per pound (and it's hands off). I use a combination Stir Crazy / Turbo Oven (SC/TO) outside on my back porch -- buying brand new sets you back about $75 and only involves a few modifications (30-40 minutes in the workshop to modify the stirring arm and create a spac...
by drg02b
Fri Aug 03, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 3139

Re: Should I roast my own coffee?

After reading another coffee thread, I started looking into roasting myself. I have an popcorn popper so am considering giving it a shot. The more coffee I drink, the more I feel I'm starting to pick up on freshness and flavor. I enjoy lighter roasts especially with my cold brew. Am thinking about ...
by drg02b
Fri Aug 03, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 3139

Re: Should I roast my own coffee?

From a 18+ month home roaster... It's definitely worth the time as a hobby as you learn to appreciate high quality single origin. Roasting is simple and coffee is cheap. You can't go wrong with Sweet Maria's... they are one of the best sourcers for home roasters and I've never gotten a coffee I didn...
by drg02b
Tue Jul 31, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 115
Views: 13269

Re: Passive Index Investing, A Bubble Bound To Burst?

According to one article, only 18% of global stocks are in index funds. If it were 99%, I agree we'd have a problem, but that will never happen. Even if that percentage were to go up, there will always be active investors (probably big finance companies) trying to take advantage of information and b...
by drg02b
Mon Jul 30, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund is changing
Replies: 87
Views: 16810

Re: Vanguard Precious Metals and Mining Fund is changing

This fund has never been "tax efficient" so my hope would be that most investors would be holding this fund in a tax-advantaged account. Therefore, switching it out for something else that might fit their needs would not carry with it a taxable event. Although you're probably not going to find many...
by drg02b
Sun Jul 29, 2018 11:53 am
Forum: Personal Investments
Topic: Best place to park a large amount of cash for a year
Replies: 13
Views: 1832

Re: Best place to park a large amount of cash for a year

I have a "safe" place in my backyard you can park it. :)

For a year or less, I'd recommend an Ally Savings Account at 1.75% (several banks at this rate or higher if you need to split >$250k across multiple banks.
by drg02b
Thu Jul 26, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Facebook stock in freefall! (20% drop in 1-day)
Replies: 120
Views: 12000

Re: Facebook stock in freefall! (20% drop in 1-day)

Yes, a free fall onto a ledge 20ft down a 100ft cliff.
by drg02b
Wed Jul 11, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4525

Re: Dow 40000 prediction for 2025

7.45% annualized return... such an outlandish prediction...
by drg02b
Sat Jul 07, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: New house in 3-5 years- Pay off current or save?
Replies: 4
Views: 703

Re: New house in 3-5 years- Pay off current or save?

Figure out what you'll need to bridge between two houses (construction loan down payment, etc). Anything left after maxing retirement could pay current mortgage, but you definitely don't want to tie up money that will result in not maxing out retirement accounts.
by drg02b
Tue Jul 03, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4975

Re: Will I ever be able to itemize?

Yeah, you get to take a $24,000 deduction without having to justify it -- you're not getting screwed. You could always choose to itemize, document your $20,000 and pay the taxes on the extra $4,000 if you really want to itemize.
by drg02b
Tue Jun 12, 2018 3:21 pm
Forum: Personal Investments
Topic: Websites As Investment Vehicles?
Replies: 13
Views: 1168

Re: Websites As Investment Vehicles?

Buying a Mutual Fund that operates websites would be investing. Buying website credit default swaps would be investing. Buying websites and generating content to bring in money is a business.
by drg02b
Mon Jun 11, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 962

Re: Anyone use Bluehost for web hosting?

Bluehost is great. One click wordpress install, and solid customer service/online documentation. I've used a couple other hosts, and they (BlueHost) are definitely in the top tier. Have not done e-mail hosting through them, as we got the free google apps hosting years ago (though I don't think this ...
by drg02b
Fri Jun 08, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 7204

Re: Tipping HVAC installers?

Yes, be friendly, hospital, offer food/water, etc. But no reason to give them money. They named a price for the job (most contractors factor in higher prices for working in bad temperatures) and that's what you pay them. It's completely different with someone setting a price for a professional/techn...
by drg02b
Wed Jun 06, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Why am a getting a Lyft ad whenever I use Google Maps?
Replies: 14
Views: 2891

Re: Why am a getting a Lyft ad whenever I use Google Maps?

Google Maps is slowly selling itself out to other corporations. I noticed a few months ago certain landmarks popping up with logos for Subway, Taco Bell, etc. instead of the normal fork icon. Also, noticed that directions now highlight certain landmarks, i.e. turn left past the Subway, turn right a...
by drg02b
Tue Jun 05, 2018 8:59 pm
Forum: Personal Consumer Issues
Topic: Why am a getting a Lyft ad whenever I use Google Maps?
Replies: 14
Views: 2891

Re: Why am a getting a Lyft ad whenever I use Google Maps?

Google Maps is slowly selling itself out to other corporations. I noticed a few months ago certain landmarks popping up with logos for Subway, Taco Bell, etc. instead of the normal fork icon. Also, noticed that directions now highlight certain landmarks, i.e. turn left past the Subway, turn right at...
by drg02b
Mon Jun 04, 2018 11:42 am
Forum: Personal Investments
Topic: For retirement at 55 what is a good multiplier?
Replies: 65
Views: 13043

Re: For retirement at 55 what is a good multiplier?

We retired at age 55 a little over 5 years ago (1-May-2013). I had targeted 30x and was pretty close to that in my savings, but I have the benefit of having retiree medical insurance from my former employer, and about $30K in monthly non-COLA pension checks. As a result, we've spent less than 3% ev...
by drg02b
Sun May 20, 2018 8:24 am
Forum: Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 4918

Re: Wife Retiring hesitant to roll-over funds to Vanguard

While I'd move to VG, you can't go wrong with any of them, just get them out of the subpar employer plan.
by drg02b
Thu May 17, 2018 4:11 pm
Forum: Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 11146

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Sometime around 2007 I heeded some sage advice and bought a lot of 1 oz. silver coins in order to be ready for the coming calamity when dollars wouldn't be worth anything anymore. I think I paid about $32/oz. so I'm ready! (and have been for 11 years). I can top that. My 90 y/o MIL has had a cache ...
by drg02b
Thu May 17, 2018 12:46 pm
Forum: Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 11146

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Noob question :-) A highly respected friend of mine is an expert in macroeconomics, and warned me to stay away from stocks. He advised shifting my investments to silver. Funny I saw that exact same headline on marketwatch.com yesterday. If I refresh that page enough in the same day, I'll find 20-30...
by drg02b
Mon May 14, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: FINCON...other Boglehead-Type Groups
Replies: 5
Views: 1198

Re: FINCON...other Boglehead-Type Groups

ChooseFI is another major one... large podcast following and a smattering of local Facebook groups, many who do meetups. I find my personal finance learning has been affected by a smattering of a number of groups: BH, Madfientist, JL Collins, etc. Each of them are a little bit different... one of my...
by drg02b
Fri May 11, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52546

Re: Ally online savings now at 1.60%

Every time I get excited about a rate increase, this line from the Simpsons comes back to me:

Lisa: 2.3% annual interest instead of the normal 2.25. So a year from now I'll have an extra nickel.
by drg02b
Fri May 11, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52546

Re: Ally online savings now at 1.50%

Still showing 1.5% Annual Percentage Yield on my savings account at Ally... Accounts usually update the day after, but their current rates page shows 1.60%. My page still shows 1.50% APY. I'm not talking about your account page, but their (public) current rates: https://www.ally.com/bank/savings-ac...