Search found 420 matches

by NextMil
Sat Sep 22, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Physical Banking - Any benefits anymore?
Replies: 122
Views: 6697

Re: Physical Banking - Any benefits anymore?

Ages ago I worked in a branch. Today, I have been a schwab customer for over a decade and have nevever had an issue banking online solely. They overnight bank checks too.
by NextMil
Fri Sep 21, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

You are comparing an Mazda Miata to a 3 series??????!!!!!! Based on the posts you've made, you seem more concerned with the status/badge a car has than actual driving experience. According to you, a car is more fun if it is "fast off the line" and has a "nice interior." And you've scoffed at the id...
by NextMil
Fri Sep 21, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3932

Re: WSJ print edition renwal time - any discounts?

Just switch to the Financial Times? Probably more expensive, but better quality? I would be interested to hear Bogleheads' thoughts on the two newspapers If you live in the US and need your news timely then FT is a no go. I also prefer WSJ over FT and who wants to carry a pink, ok salmon, paper? :w...
by NextMil
Fri Sep 21, 2018 11:25 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Actually, such a suggestion is extremely helpful, considering the OP... - only takes home $42K/yr - only drives ~2500mi/yr (6x fewer miles than the average driver) - himself suggested buying a Civic in 2 of the 3 options he lays out Besides, his BMW experience is driving an F30 generation 328i, whi...
by NextMil
Fri Sep 21, 2018 4:47 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Suggestions for a Honda Civic for a person who enjoys driving a BMW are unhelpful at best. Once you get behind the wheel of a German car with balls, it's hard to go back to driving less exciting cars. Speaking from personal experience. Actually, such a suggestion is extremely helpful, considering t...
by NextMil
Thu Sep 20, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Need iPhone case recommendations
Replies: 19
Views: 1047

Re: Need iPhone case recommendations

I don’t like bulk. My XS arrives tomorrow. I got the dual pro from incipio and ordered a screen protector.
by NextMil
Thu Sep 20, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Suggestions for a Honda Civic for a person who enjoys driving a BMW are unhelpful at best. Once you get behind the wheel of a German car with balls, it's hard to go back to driving less exciting cars. Speaking from personal experience. Actually, such a suggestion is extremely helpful, considering t...
by NextMil
Thu Sep 20, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Bathroom and Basement Remodel Costs
Replies: 48
Views: 2761

Re: Bathroom and Basement Remodel Costs

Seems really high to me especially since you are sourcing and paying for a lot of stuff outside of the quotes, that means its even more expensive. I would shop around more as others have said. I also agree with the other poster who asked if you really need custom cabinets.
by NextMil
Wed Sep 19, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Mortgages - Pros, Cons
Replies: 52
Views: 3370

Re: Reverse Mortgages - Pros, Cons

Find a new advisor.
by NextMil
Wed Sep 19, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Keep it, but don’t buy any of the bs warranties or maintanence packages. Find a good Bmw Indy mechanic. Enjoy your ultimate driving machine. Also, car max is wholesale price. $27k for a 16 328i with such low mileage seems reasonable especially if you have packages on it. Wow! Everyone is so fixated...
by NextMil
Wed Sep 19, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help
Replies: 82
Views: 3297

Re: Buy-Out BMW Lease / Buy More Practical New Model / Buy Practical Used Model? Help

Keep it, but don’t buy any of the bs warranties or maintanence packages. Find a good Bmw Indy mechanic.

Enjoy your ultimate driving machine.

Also, car max is wholesale price. $27k for a 16 328i with such low mileage seems reasonable especially if you have packages on it.
by NextMil
Tue Sep 18, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Attic Insulation Removal/Replacement Costs
Replies: 16
Views: 1221

Re: Attic Insulation Removal/Replacement Costs

You at going to love the difference in feel of the home. Did it last year and feels like a brand new house and heating costs are down.
by NextMil
Tue Sep 18, 2018 6:04 pm
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1114

Re: Consumer Issue - Storage Unit Rental

I am still kicking myself for storing stuff for a year and a half. Could have sold the stuff, saved the money in storage rent and bought brand new stuff and still had cash in my pocket.
by NextMil
Tue Sep 18, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: Speaker for Apple 4K TV help
Replies: 4
Views: 391

Re: Speaker for Apple 4K TV help

Homepod? Might be more than you want to spend.
by NextMil
Tue Sep 18, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3932

Re: WSJ print edition renwal time - any discounts?

Just switch to the Financial Times? Probably more expensive, but better quality? I would be interested to hear Bogleheads' thoughts on the two newspapers If you live in the US and need your news timely then FT is a no go. I also prefer WSJ over FT and who wants to carry a pink, ok salmon, paper? :w...
by NextMil
Sun Sep 16, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1560

Re: Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff. If you were me, would you sell it? No, it's only worth $54.83 and you'll have to fill out four pages ...
by NextMil
Sat Sep 15, 2018 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2484

Re: Paying down mortgage vs investing

I understand your point now. A reasonable recommendation would be that if you pay off or pay down your mortgage and you have limited liquidity in an emergency fund, then set up a HELOC so that you have access to the equity in your home in an emergency situation, Agreed. Sorry if I was unclear befor...
by NextMil
Sat Sep 15, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1174

Is your iPad Pro enough on the road?

If you travel for work and have an iPad Pro has it replaced your laptop or do you still take a laptop?
by NextMil
Sat Sep 15, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1560

Re: Should I sell my MacBook pro?

Decided to create a new topic because I asked it wrong. Thanks for all your thoughts.
by NextMil
Sat Sep 15, 2018 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2484

Re: Paying down mortgage vs investing

In your earlier comment, you said you didn’t understand using a HELOC for an emergency fund. But now you are saying you can easily have HELOC and use it as a backup emergency fund. Which is it? (And remember that not everyone owns a home or has sufficient equity fur a HELOC.) Right my point that th...
by NextMil
Sat Sep 15, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2484

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by NextMil
Sat Sep 15, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2484

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by NextMil
Sat Sep 15, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Value?
Replies: 72
Views: 5747

Re: Amazon Prime - Value?

I am literally on the phone right now, because I thought this thread was crazy, but prime items are now taking 5-7 days as well. This is baloney. Will let you know what I hear. ETA: Apparently they are blaming fulfillment center in hurricane area. Will be interesting to see if this resolves in a few...
by NextMil
Sat Sep 15, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1560

Re: Should I sell my MacBook pro?

I have the iPad Pro with keyboard, just wondering if anyone else is getting by without a laptop on the road. MBP is a 2015 I think.
by NextMil
Sat Sep 15, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1560

Should I sell my MacBook pro?

I have an iMac at work an iMac at home, and an iPad pro. I rarely use my MBP, basically on once or twice a year work trips and when I am sick on the couch. iPad pro seems to be handling most stuff.

If you were me, would you sell it?
by NextMil
Sat Sep 15, 2018 6:50 am
Forum: Personal Consumer Issues
Topic: WSJ print edition renwal time - any discounts?
Replies: 65
Views: 3932

Re: WSJ print edition renwal time - any discounts?

I enjoy sitting down and reading the Wall Street Journal print edition. I signed up for a subscription almost one year ago and now it's coming time for the 'automatic renewal' - which, from what I understand, will be somewhere in the ~ $400- 500/year range. Couple of questions: - has anyone negotia...
by NextMil
Sat Sep 15, 2018 5:56 am
Forum: Personal Finance (Not Investing)
Topic: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?
Replies: 118
Views: 11071

Re: If you're FI, or close to FI, are still fighting to climb the Corp. Ladder?

I'm curious if folks that are FI, or close to it, and who have fought to climb a corporate ladder have found their desire waning. I'm in my mid 40s and this is probably prime promotion and climbing years. But given our financial situation, I don't see the point. I enjoy working and what I do, but I...
by NextMil
Sat Sep 15, 2018 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 52
Views: 7308

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

Does anyone use Personal Capital, Mint, Tiller, You Need a Budget, or another tool to budget/track expenses and investments? If so, which one and do you like it? It seems like the free portion of Personal Capital is pretty slick. I'm not sure what to think about giving a third party access to my ac...
by NextMil
Sat Sep 15, 2018 5:04 am
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3113

Re: Pay off 3.125% 152k mortgage early?

I have a 2.9% rate on my mortgage and I max retirement and invest in 529s. Anything leftover gets applied to mortgage and taxable on a 60/40% split respectively. Truthfully my taxable account is also my mortgage payoff investment account. I just spread the risk a little. We chase(d) interest rates t...
by NextMil
Sat Sep 15, 2018 4:43 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2484

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by NextMil
Sat Sep 15, 2018 4:21 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4924

Re: [Wearing] Shorts in Egypt

Been there pre-revolution. Wear pants, unless you are on resort property.
by NextMil
Fri Sep 14, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Need burner phone for wife traveling in Italy
Replies: 24
Views: 1876

Re: Need burner phone for wife traveling in Italy

Show her how to swap the SIM card, and have her buy a prepaid Italian SIM card at the airport upon arrival. Or go to T-Mobile and buy their one month prepaid international SIM card. Latter would probably be a lot easier, but either way she should learn how to install a SIM card.
by NextMil
Tue Sep 11, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Kahu car tracker
Replies: 3
Views: 380

Re: Kahu car tracker

I did, but have not researched extensively. To be honest, I don’t love them tracking my driving habits, and was hoping someone else has done the heavy lifting.
by NextMil
Tue Sep 11, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Kahu car tracker
Replies: 3
Views: 380

Kahu car tracker

Just purchased a new to me car yesterday and dealer gave me a service called Kahu. Appears to be car tracking. Anyone know what this is and what the hook is? I assume I would eventually have to pay for the service, and not sure I need it.
by NextMil
Mon Sep 10, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9949

Re: Anyone else not save for cars?

I don't, because I just do not have anything left after trying to max HSA, 401K, and saving what's left to increase EF to our goal. I honestly don't know how it seems that (almost) everyone here can afford to max out 401K, IRAs, HSA, have 2 years EF, taxable, separate savings for cars, vacation, pa...
by NextMil
Mon Sep 10, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 9949

Re: Anyone else not save for cars?

Just bought a new to me car today, and the sales rep looked confused when I asked for wire instructions. I saved up for it, and dumped my high mileage vehicle before it was completely worthless. I hate payments, and my savings for it doubles as my car maintainence account. I never worry about repair...
by NextMil
Sun Sep 09, 2018 8:31 am
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2218

Re: Video Game Collection

Baseball cards lost their value pretty quickly. I would sell. Many things brought their value down mainly the industry itself. Old rare cards can still be worth a ton just like old rare sealed games;) Agreed, but I think we can agree the market is a fraction of what it used to be, which can happen ...
by NextMil
Sun Sep 09, 2018 7:54 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4501

Re: How much do bogleheads save in 529?

We plan to pay for undergrad and and all or some, depending on degree field, of a postgraduate degree. Right now we are pumping in a few hundred a month into each 529 and investing in taxable as well. We also throw all the cash gifts they get at 529. My view is that if undergrad becomes free, then p...
by NextMil
Sun Sep 09, 2018 5:41 am
Forum: Personal Consumer Issues
Topic: car purchase feedback experience
Replies: 20
Views: 1187

Re: car purchase feedback experience

I love the audacity of the salesperson guilt tripping you in saying he or she will not get their bonus now for ripping you off. Your options 1. Ignore (which I would do) or 2. Tell them to pound sand. Either way I would put this in the rear view fast and if it comes back into your head, remember tha...
by NextMil
Sat Sep 08, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2218

Re: Video Game Collection

Baseball cards lost their value pretty quickly. I would sell.
by NextMil
Sat Sep 08, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Is it sensible to buy a car from Elon Musk?
Replies: 59
Views: 3024

Re: Is it sensible to buy a car from Elon Musk?

I wouldn’t buy a Tesla for all the reasons already listed, and in my view there are way better vehicles out there and on the horizon from more well established compnies. I am also not a fan of their styling.
by NextMil
Fri Sep 07, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Car Shopping, Seem to lose my Boglehead way each time help!!
Replies: 37
Views: 2889

Re: Car Shopping, Seem to lose my Boglehead way each time help!!

You may be stunned at how nice 2-3 year old cars are. At huge savings. Lots of low mileage leased vehicles turned in. Pull up one of the websites and search for under 20,000 miles on 2016’s. We buy luxury cars that are 2-3 years old. Itis easy to find them with low mileage and in excellent conditio...
by NextMil
Thu Sep 06, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 6894

Re: Daily Driver (Car) Over 100K Miles?

120k miles german luxury auto. I have a great mechanic that said to dump it when it hits 150k because that is when the real problems start. I love the new lease culture. People are getting out of cars with such low mileage these days that its easy to snag something for thousands less that are not ev...
by NextMil
Wed Sep 05, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18145

Re: How to Retire in Your 30's with $1 Million in the Bank

I don’t do either, but re-read my last two posts. I answered that already. Maybe that is true, but let's not pretend that is due to some moral superiority. You did not seem to have any qualms about it when you were asking how to implement it: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=245...
by NextMil
Wed Sep 05, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18145

Re: How to Retire in Your 30's with $1 Million in the Bank

yes, you are right, both of them violate the spirit of the law. It’s also like people who take advantage of unemployment, welfare, or food stamps. The difference is you are likely reducing benefits for those that actually need them instead of just taking a tax break. Not going to lie, it’s one of t...
by NextMil
Wed Sep 05, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18145

Re: How to Retire in Your 30's with $1 Million in the Bank

I don’t do either, but re-read my last two posts. I answered that already.
by NextMil
Wed Sep 05, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18145

Re: How to Retire in Your 30's with $1 Million in the Bank

yes, you are right, both of them violate the spirit of the law. It’s also like people who take advantage of unemployment, welfare, or food stamps. The difference is you are likely reducing benefits for those that actually need them instead of just taking a tax break. Not going to lie, it’s one of t...
by NextMil
Wed Sep 05, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18145

Re: How to Retire in Your 30's with $1 Million in the Bank

yes, you are right, both of them violate the spirit of the law. It’s also like people who take advantage of unemployment, welfare, or food stamps. The difference is you are likely reducing benefits for those that actually need them instead of just taking a tax break. Not going to lie, it’s one of th...