Search found 59 matches

by eog
Wed May 10, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: 18" vs 20" Tires
Replies: 39
Views: 20650

Re: 18" vs 20" Tires

I cant think of one reason why the bigger diameter wheel makes sense. The ride is harsher, potholes are more likely to bend or crack your wheels, you are more likely to get curb rash parallel parking, the bigger wheels get more unnecessary attention (big issue with Hondas) and tires cost more. This ...
by eog
Wed Apr 26, 2017 7:40 am
Forum: Personal Investments
Topic: Time to reach 1M and 2M milestones
Replies: 171
Views: 61587

Re: Time to reach 1M and 2M milestones

The importance of having more money upfront really makes question the wisdom of using Roth contributions. Why not go full force on pre-tax dollar contributions and use the tax savings to invest in a taxable brokerage. The safety of tax-diversity is enough to keep me wanting to do a Roth, but why no...
by eog
Tue Apr 25, 2017 8:00 am
Forum: Personal Finance (Not Investing)
Topic: how much house can we afford? Boston area.
Replies: 50
Views: 6298

Re: how much house can we afford? Boston area.

My advice would be whatever you do make sure you are not going to become house poor. Pick location over size. I think any suburb within 15-20 miles of Boston is in a bubble right now. I just don't see how these prices are sustainable. If I was in your shoes, I would try to stay under $500K.
by eog
Tue Mar 21, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: "Millionaire Next Door" Net Worth Formula
Replies: 178
Views: 33777

Re: "Millionaire Next Door" Net Worth Formula

"Most people" would slap some of you across the face for thinking $100k a year off their savings/investments doesn't make one very rich. I.E. just sitting back and letting $2-3 million sustain you... Many Bogleheads are pretty out of touch with reality. I'm reminded of threads where folks couldn't ...
by eog
Tue Feb 28, 2017 9:11 am
Forum: Personal Consumer Issues
Topic: New car or hand down used car to college student?
Replies: 19
Views: 2212

Re: New car or hand down used car to college student?

Maybe have her drive the new car for the summer while you drive the old accord? You are probably a better driver than her and are less likely to be involved in an accident. I used to think my kids would get cheap old cars like I had when I was a teenager before I had kids. Granted my kids wont be dr...
by eog
Mon Feb 20, 2017 8:31 am
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 12092

Re: Car windshield wipers - go cheap or better?

I would also recommend the OEM refills. I change mine once a year right after winter, they are about 12 bucks a pair. There is also less waste since all you are replacing is the blade and not the whole assembly. I used to get aftermarket stuff all the time but tend to stick to OEM as much as I can t...
by eog
Thu Feb 16, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 4277

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Forester 2.5i is the stripped down model as far as I know. Between that and the Lexus I would say go for the Lexus. Lexus will have more amenities, will ride better and will be more comfortable overall. I would add the Subaru Outback to your list of options to check out. Outbacks are more refined, f...
by eog
Wed Feb 01, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - Playstation Vue
Replies: 21
Views: 2777

Re: Cutting the Cord - Playstation Vue

Another happy vue user here. The only reason I have it is because of local sports. Vue is the only service that allows me to watch local NBA games. I honestly don't ever watch anything else on it. One thing I really like abut is I can suspend my subscription during the offseason and just start it ag...
by eog
Mon Jan 30, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Strategy for Purchasing a House
Replies: 21
Views: 3407

Re: Strategy for Purchasing a House

I am confused with your numbers. If the maximum you say you can afford is 5000 a month and you are going to put down 20% on a million dollar house, you cant afford a 15 year mortgage. I ran your numbers and 15 year mortgage on 800K comes out to $5900/month. For a 30 year mortgage you guys are lookin...
by eog
Mon Jan 30, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 6042

Re: Input on Apple Watch-Buy or Not?

I think the apple watch is trying to solve a problem that doesn't exist. I have my phone with me all the time and it doesn't take any additional effort to check the notification center on my center as opposed to looking at my wrist. Also I think having to recharge it every night would get old. If yo...
by eog
Wed Jan 25, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Full time to part time.
Replies: 41
Views: 5555

Re: Full time to part time.

twins2012 wrote: Our twins are 4 and not so expensive yet.
I am curious about this comment. I think 4 year olds(daycare) are very expensive. Who takes care of the kids while you guys are working?
by eog
Tue Jan 17, 2017 8:45 am
Forum: Personal Consumer Issues
Topic: How to improve my income as software lead/manager?
Replies: 52
Views: 6766

Re: How to improve my income as software lead/manager?

How busy are you now? How stressful is your work? Do you have a salary bands for your position? How does your salary align with your role? How much more money do you want to make? 180K for your role in a low cost of living area sounds pretty good. You say you are working from home. How much is that ...
by eog
Fri Jan 13, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree health care premium before reaching medicare age
Replies: 17
Views: 2028

Re: Retiree health care premium before reaching medicare age

I would budget 25K-30K a year for health insurance if I was in your shoes. I also agree with the above poster that nobody knows (although most seems to agree that premiums will go up) what will happen once the ACA is repealed.
by eog
Thu Jan 12, 2017 9:43 am
Forum: Personal Investments
Topic: Another How Much To Save For Retirement
Replies: 9
Views: 1781

Re: Another How Much To Save For Retirement

I am not quite sure I understand your question. If you are spending $100K a year and make $400K a year, what else would you do with the $300K you have left over other than save it(maybe give it to a charity)? If I was making that amount of money, I would just save aggressively and retire as early a...
by eog
Thu Jan 12, 2017 9:37 am
Forum: Personal Investments
Topic: Another How Much To Save For Retirement
Replies: 9
Views: 1781

Re: Another How Much To Save For Retirement

I am not quite sure I understand your question. If you are spending $100K a year and make $400K a year, what else would you do with the $300K you have left over other than save it(maybe give it to a charity)? If I was making that amount of money, I would just save aggressively without worrying about...
by eog
Wed Jan 11, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 93
Views: 11724

Re: Where do you keep your emergency fund?

Mine is at Capital One earning a fantastic 0.75%. I go back and forth about just moving it to Fidelity to consolidate all my accounts but cant really find a good fund to put it in.
by eog
Wed Dec 21, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 10050

Re: How do you track your finances?

I use mint to keep track of spending during the year. At the end of the year I will roll up all of our expenses and figure out how much we spent in what category and put this in an excel spreadsheet. Mint has lost years of data for me before so I don't completely trust it to hold years of info. Same...
by eog
Tue Dec 20, 2016 9:22 am
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 88
Views: 23240

Re: Honda Pilot vs Toyota Highlander?

I think the Pilot will have a more usable third row seat. Highland is just a smaller vehicle. But if third row seat is really high on your list of your needs, nothing will beat a minivan. Have you considered the Toyota Sienna? It comes with AWD and seems to check off all the things you listed as you...
by eog
Thu Dec 15, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 17577

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

From best to worst: -AWD with 4 snow tires -FWD with 4 snow tires -AWD with 4 all-season tires -FWD with 4 all-season tires -RWD with 4 similar tires -2 snow tires and 2 non-snow tires If OP lives in reasonably flat urban/suburban areas with decent plowing, FWD with all-season tires, and ginger dri...
by eog
Mon Dec 12, 2016 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 83
Views: 14791

Re: Age to Take Social Security: The Ideal and the Reality

I think it is naïve to think that most people have the option of waiting till 70 to collect SS. You either have to be in a profession that will allow you to work till 70 or you will need to have saved enough to cover the gap from the time you retire to age 70. Most on this board are lucky enough to ...
by eog
Thu Dec 08, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Remote Auto Start for truck
Replies: 9
Views: 1251

Re: Remote Auto Start for truck

2 way is definitely worth the extra. I had good luck with Viper. Viper is owned by directed (http://www.directed.com/) and directed owns a bunch of different brands of vehicle security/remote start systems. All their brands are fairly similar (even the fobs look the same). Viper has a system where y...
by eog
Wed Nov 16, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Early retire considering Self-Insurance for healthcare
Replies: 83
Views: 10815

Re: Early retire considering Self-Insurance for healthcare

I agree with all the above that say you should keep some sort of an health insurance. Instead of getting rid of it all together I would recommend seeing if you can keep a policy with higher deductibles to protect you against any catastrophic event. 24K a year sounds awfully high for the policy you h...
by eog
Wed Oct 26, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 21563

Re: 2017 ACA plan previews

First, the rate "spike" impacts only a tiny portion of the insurance market (albeit likely a higher portion of bogleheads). I don't think this is the case. My last 2 employers have both gone to high deductible plans that have higher premiums and worse coverage. I am not sure if that is completely d...
by eog
Wed Oct 26, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA plan previews
Replies: 172
Views: 21563

Re: 2017 ACA plan previews

Does anybody have any idea what is causing the spike in these prices? Is it basically because the pool of people that the insurers have to insure now include those with pre-existing conditions and the fact that insurers cant just drop clients?
by eog
Wed Oct 26, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: Just released ratings steering me from Legacy to Camry
Replies: 35
Views: 4623

Re: Just released ratings steering me from Legacy to Camry

Absent a bona fide need for all wheel drive (Subaru generally) or cargo space (Outback specifically), I would buy the Camry. Don't overthink this. Agree with this. With that said, having owned an outback the last few months I don't think I could ever go back to owning a sedan. Cargo space is much m...
by eog
Mon Oct 24, 2016 1:01 pm
Forum: Personal Consumer Issues
Topic: advice on buying a new Outback/Legacy/Camry
Replies: 20
Views: 3694

Re: advice on buying a new Outback or Legacy

1. The Legacy sedan is a much different car than the Outback station wagon. They are not related in recent model years. The Legacy is smaller and has different suspension so it is lower to the ground and rides different. This also causes it to drive different. The Outback is a big boxy station wago...
by eog
Wed Oct 19, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Apple purchase with Apple Financing?
Replies: 20
Views: 3122

Re: Apple purchase with Apple Financing?

Wait till next week, new one is supposed to be released on Tuesday.
by eog
Tue Oct 18, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 40
Views: 4465

Re: What iPhone podcast application do you use?

I was using pocket casts for a long time with no problems then I decided to try overcast and really liked the volume boost(this sets the EQ so that the spoken words are clearer) and trim silence(this basically removes all the dead space in the podcasts - amazing how much time it saves over time) fea...
by eog
Fri Oct 07, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 2829

Re: Honda Accord Purchase Advice/Information

As you have read, Honda Sensing is mixed. Adaptive cruise control is poor in stop and go traffic (unusable in my opinion); probably OK on the open hwy with occasional car. I don't have adaptive cruise control - but why would one use such a feature in stop & go traffic? Aren't you stopped 90% of the...
by eog
Fri Oct 07, 2016 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Honda Accord Purchase Advice/Information
Replies: 16
Views: 2829

Re: Honda Accord Purchase Advice/Information

Find the volume dealer in your area - that is the dealer that sells most amount of cars per year - and contact them to get a price. Email other dealers with the price and ask if they can match it. Some will ask you to come in for the best deal, others will ignore you, one or two might match it or be...
by eog
Tue Sep 27, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Spouse concerned about buying luxury SUV
Replies: 66
Views: 11506

Re: Spouse concerned about buying luxury SUV

From the choices you listed, the pilot is quite larger than the other 2. Do you need the extra space? I personally do not care for the way the new Pilots look and the infotainment systems in the new Hondas are pretty bad. Between the Acura and the Lexus I would say go for the Lexus no question. I ju...
by eog
Wed Sep 21, 2016 8:16 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]
Replies: 20
Views: 6174

Re: HDHP vs PPO (baby in 2017) [High Deductible vs. Preferred Provider plans]

I am confused by the deductibles on those 2 plans. How come your PPO has a higher deductible than your HDHP?
by eog
Mon Sep 19, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 13195

Re: Recommendations for Small or Midsize SUV/Crossover

Make sure you sit in the passenger seat of the Forester. The seat is not height adjustable and you are sitting too high. Make sure that is not something that you wont be happy with down the road. I personally found the Outback materials and feel to be much better than the Forester. The Outback also ...
by eog
Mon Sep 12, 2016 7:51 am
Forum: Personal Consumer Issues
Topic: Subaru window treatment
Replies: 9
Views: 2265

Re: Subaru window treatment

Your rear windows should already be tinted so you would need to just get tint on the front 2 windows. Make sure you go to a reputable shop. I think I have Lunar film installed on my car and it looks great. 35% is the limit where I live so that is what I went with. Also 35% would match your factory t...
by eog
Wed Sep 07, 2016 9:40 am
Forum: Personal Consumer Issues
Topic: New 2016 Honda Odyssey EX or Used 2016 Kia Sedona
Replies: 6
Views: 1036

Re: New 2016 Honda Odyssey EX or Used 2016 Kia Sedona

I think Odyssey is due for a refresh in 2017 if you are willing to wait.
by eog
Wed Sep 07, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 58441

Re: Self-made Millionaires: how did hitting 7 figures change you?

I think the reason most on this board say that hitting 7 figures haven't changed them is because it required lots of planning and making good decisions along the way to hit that milestone. I am positive you would have similar responses if we reworded this question with "how did hitting $5M or $10M c...
by eog
Wed Aug 24, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Homeowners insurance recommendations - MA
Replies: 30
Views: 4273

Re: Homeowners insurance recommendations - MA

Do you have auto insurance? If so who is it through? I switched mine to GEICO last year from liberty mutual and it was half the price. I recently switched our home insurance to GEICO as well and got an extra discount for having both policies with them. They are probably not the cheapest but the quot...
by eog
Tue Aug 23, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: Subaru - New 2016 or Used 2014 (25k miles)
Replies: 40
Views: 6106

Re: Subaru - New 2016 or Used 2014 (25k miles)

Definitely get eyesight. It is awesome! if you ever have to sit in traffic you will love having adaptive cruise control.
by eog
Mon Aug 22, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Why don't ultra high net worth athletes just use a 3-fund portfolio?
Replies: 30
Views: 3819

Re: Why don't ultra high net worth athletes just use a 3-fund portfolio?

I don't think most athletes would even consider the 3-fund portfolio even if they knew about it. IMO most successful athletes are super competitive type A personality and would try to beat the market if given the option. That is probably why most of them struggle with gambling once they retire.
by eog
Thu Aug 18, 2016 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Keep working and how much beach house?
Replies: 30
Views: 4345

Re: Keep working and how much beach house?

We have been toying with this idea lately as well. My wife's family has been going to the same area for years and we do a weekly vacation there every summer. Everytime we go up there we talk about how nice it would be to have a house up there. It is only an hour drive and has a strong rental market ...
by eog
Tue Aug 16, 2016 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best 529 for Massachusetts resident?
Replies: 32
Views: 8659

Re: Best 529 for Massachusetts resident?

TheGipper wrote:
I'm assuming the bill calls for a $2000/married filing jointly couple, not $2000 per child, correct?
I had the same question... There is just not a lot of details about it yet that I can find. I think it is 2000 per couple though and not per child.
by eog
Tue Aug 16, 2016 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Best 529 for Massachusetts resident?
Replies: 32
Views: 8659

Re: Best 529 for Massachusetts resident?

I've been keeping an eye on topic this for awhile and it appears that Massachusetts has passed a tax deduction ($1,000) single filers and ($2,000) joint filers for 529 contributions. http://www.wbur.org/news/2016/08/10/baker-economic-development-law http://www.mass.gov/governor/press-office/press-r...
by eog
Tue Aug 09, 2016 8:09 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 20984

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

I think the 4 runner will be tight with 3 kids... Although I don't like the way the new Pilot looks at all, it is the closest thing to a minivan without actually being a minivan and will probably work better for your family. Unless you are going offroading, the Pilot should be more than adequate for...
by eog
Fri Jul 29, 2016 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Subaru VIP program question
Replies: 17
Views: 7817

Re: Subaru VIP program question

rph12 wrote:... I ended up getting my new 2017 Outback for 5.46% below invoice after one day of emailing back and forth with the dealers...
That is an amazing price! Did you have a trade in? You are lucky to be in Chicago and be close to Grand Subaru. The best I could do was 2% under invoice where I am.
by eog
Tue Jul 19, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Tires for Honda Civic
Replies: 39
Views: 7694

Re: Tires for Honda Civic

Get Continental purecontacts (http://www.tirerack.com/tires/tires.jsp ... 55HR6PUREC). Really good all season tires.
by eog
Tue Jul 19, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 39
Views: 4968

Re: Yet another new/used car post. Help me replace a car

Why not get another Camry if you were happy with your previous one? You should be able to get a brand new one in the lowest trim for less than $20K. 2-3 year old Japanese cars used to make a lot of sense but used car prices are too high now imo. I am sure that will change in the future but I would l...
by eog
Mon Jun 13, 2016 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Live the Good Life Today vs Save For a Better Life Tomorrow
Replies: 84
Views: 15168

Re: Live the Good Life Today vs Save For a Better Life Tomorrow

Balance is key IMO and it is possible to save too much money. I think the definition of saving too much changes from person to person. Try to save 20-25% of your annual income and do whatever you want with the rest of your money. He who dies with the most toys in life surely doesn't win but neither ...
by eog
Mon Jun 06, 2016 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: How to live on $110,000 less income each year?
Replies: 104
Views: 15671

Re: How to live on $110,000 less income each year?

You have to figure out what your current spending is. It doesn't have to be too detailed. Try to figure out what you spend for major categories such as housing, cars, utilities etc. Then you need to figure out what you are wiling to spend less on and whether or not that is worth it to you and your f...
by eog
Mon Jun 06, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Vehicle for tall person and rear-facing child car seat?
Replies: 22
Views: 12321

Re: Vehicle for tall person and rear-facing child car seat?

I agree with the previous post about minivans. The seating position in a minivan gives you more room with a rear facing car seats imo. We have a Honda Pilot and even though it is gigantic, the front seats are kind of tight for me at 6'3 with a rear facing seats.
by eog
Thu May 26, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 23116

Re: Comfortable Vehicle Front Seats

I have a 2015 accord that I will be trading in due to torturous seats. I have looked into every single option trying to fix it and have come up empty. Cushions don't work because they put me up too high and I don't really want to mess with the geometry of the seat because of the side airbags. I talk...