Search found 1380 matches

by new2bogle
Wed Jun 26, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Buying a car out of state
Replies: 33
Views: 1804

Re: Buying a car out of state

I did this recently. The dealership in FL gave me temp FL tags and they took care of the registration in TX. I made my own shipping arrangements from FL to TX. Once I received the car, I had to do the state inspections and send the dealer all of these docs since they were doing the registration for ...
by new2bogle
Wed Jun 26, 2019 3:18 pm
Forum: Personal Consumer Issues
Topic: Going to Ireland in July
Replies: 24
Views: 1620

Re: Going to Ireland in July

The Little Dublin Museum is nice - small 45 minute tour, but it's cheap and interesting.

Irish Breakfast is pretty good! Our hotel breakfast buffet was delicious.

Skip the Guinness tour if at all you were thinking about it. Too crowded and nothing special at all.

Have fun!
by new2bogle
Mon Jun 24, 2019 2:48 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1485

Re: Used Minivan - Recommendations?

Thorsbane wrote:
Mon Jun 24, 2019 1:23 pm
Frankly, something within the past 3 to 4 years with under 40k miles. Need something reliable since it will be carrying a baby and a toddler.
I question the "need" for a minivan just because of two kids. A mid-sized SUV should be just as good. Do you need the cargo space?
by new2bogle
Mon Jun 24, 2019 2:45 pm
Forum: Personal Consumer Issues
Topic: Used Minivan - Recommendations?
Replies: 34
Views: 1485

Re: Used Minivan - Recommendations?

Frankly, something within the past 3 to 4 years with under 40k miles. Need something reliable since it will be carrying a baby and a toddler. My experience is from exactly 4 years ago. I decided on buying new (Odyssey) at the time since the price difference on 2-3 year old used mini-vans were $5,00...
by new2bogle
Mon Jun 24, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 65
Views: 5088

Re: citi discontinuing citi price rewind

It allowed one to purchase a product locally at an expensive retailer and then submit a claim to drop the price down to the lowest online retailer. We used (abused?) the program heavily. I have approximately 60 - 70 claims processed by them. Some of my favorites: - A replacement dishwasher part was...
by new2bogle
Mon Jun 24, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: stop payment on check ?
Replies: 14
Views: 1092

Re: stop payment on check ?

I'd give it another week or so. Meanwhile, I'd also be in touch with the landscaper, and make sure that he understands the situation. Finally, you could consider using your bank's bill pay service next time, instead of sending a check. It may be that the bill pay service can get the money to the la...
by new2bogle
Fri Jun 21, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: How much is your guys’ fees for your 401k?
Replies: 96
Views: 5187

Re: How much is your guys’ fees for your 401k?

$10/quarter to Fidelity.

Used to be $0/year until "activist investors" at Mega Corp, Inc. started complaining about corporate expenses.
by new2bogle
Fri Jun 21, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4290

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Why would any car need any maintenance outside of oil filter/oil change and possible air filters? Arent toyotas supposed to run forever? 175k on the first set of spark plugs? No engine coolant at 120k? No transmission fluid at 60k? I am sure there are a couple more that I can't remember off the top...
by new2bogle
Thu Jun 20, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14599

Re: Moving to North Carolina from NYC

Whenever I see a question like this, my first reaction is "please, don't." DW and I are both Southern. We moved to Durham after college, in 1976. We voted with our feet in 2001, moving to Raleigh. We're "at home" in NC culture, and particularly like the culture and attitudes of the "educated South....
by new2bogle
Thu Jun 20, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4290

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

My local Toyota dealer insists on doing the following as part of a 30,000 mile service. Car is out of warranty and I pay out of pocket. [ Perform Top Engine Valve Cleaning, Install Fuel, Additive. Top Eng/Induct SVS Parts $35, Labor $94 Install BG MOA and CF5 Fuel Additive Total Deposit Control Kit...
by new2bogle
Thu Jun 20, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: Dealer 30K Service for 2017 RAV4--Unusual Items?
Replies: 52
Views: 4290

Re: Dealer 30K Service for 2017 RAV4--Unusual Items?

Why would any car need any maintenance outside of oil filter/oil change and possible air filters? Arent toyotas supposed to run forever? 175k on the first set of spark plugs? No engine coolant at 120k? No transmission fluid at 60k? I am sure there are a couple more that I can't remember off the top...
by new2bogle
Thu Jun 20, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: 40+% increase in auto policy (GEICO) - normal?
Replies: 74
Views: 4599

Re: 40+% increase in auto policy (GEICO) - normal?

Many, many decades ago - I had 12 month policies - but with State Farm - for the past 45+ years, I believe all have been six months. Do some (or many) companies commonly offer 12 month policies? Yes, amica, liberty mutual, etc. And some regional companies I know that only do business in the east co...
by new2bogle
Wed Jun 19, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1672

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

I've switched back and forth between Spectrum and Fios probably 5x over my last 9 years in NYC. Sometimes when you get kicked to the retention team before cancelling they will give you a rate that's coparable to a new customer rate, other times I've canceled and switched, then switched back after a...
by new2bogle
Wed Jun 19, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1672

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

The good news is that these shenanigans will end in a few years tops once 5G has widespread adoption. Competition is coming. I am not a telecom engineer, but I don't think 5g speed and throughput will match that of wire to the home, especially FIOS. Correct, it will not match speed and bandwidth. I...
by new2bogle
Wed Jun 19, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?
Replies: 30
Views: 1672

Re: Can I get the new customer rate from Verizon Fios? Or should I switch to Spectrum?

The good news is that these shenanigans will end in a few years tops once 5G has widespread adoption. Competition is coming. peseta Apparently Houston has this already (Verizon providing unlimited 5G internet at $70/month - speeds as high as 900Mbs but typlical ~300Mbs, according to their website)....
by new2bogle
Wed Jun 19, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 14463

Re: Good times: 2008 vs Now

I was just a few years older than you in 2008 but also just out of grad school with a new job. DW and I bought a house in March 2008, which must have been the peak at that point. Didn't know much about finance, mortgages or anything. My investments lost ~50% by April 2009, which was completely stres...
by new2bogle
Wed Jun 19, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14599

Re: Moving to North Carolina from NYC

What Tomato is referring to is the current NC law (HB2) that is very discriminatory against transgender people. It is an awful law and the state is losing a lot of money b/c companies have said they won't add jobs here and famous performers are cancelling shows b/c of the law. We aren't talking abo...
by new2bogle
Wed Jun 19, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Moving to North Carolina from NYC
Replies: 99
Views: 14599

Re: Moving to North Carolina from NYC

mephistophles wrote:
Tue May 31, 2016 12:04 am
Definitely Morrisville.
This. Or Cary.

(note: the original locals call Cary: Containment Area for Relocated Yankees)
by new2bogle
Fri Jun 07, 2019 1:52 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7522

Re: Favorite youtube channels?

racy wrote:
Mon Feb 18, 2019 7:23 am
I like listening to these guys debate with creationists/religious types:
Christopher Hitchens
Richard Dawkins
Matt Dillahunty
Sam Harris
Great selection. I love watching Dawkins speak, so very smart.
by new2bogle
Thu Jun 06, 2019 2:20 pm
Forum: Personal Consumer Issues
Topic: Help:Finally cutting the cord with U-verse...
Replies: 14
Views: 995

Re: Help:Finally cutting the cord with U-verse...

Yes, buy your own modem. Go to the comcast website and search for it (we have spectrum here and they list which modems are supported). You will make up that $13/month in about 5 months. With the limited number of TV channels you watch, I'd go with streaming. Sling or YouTube. Everything else kind of...
by new2bogle
Thu Jun 06, 2019 10:30 am
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4254

Re: This market just scares me...

bizkitgto wrote:
Thu Jun 06, 2019 10:27 am
Even though this is one of the longest bull markets, remember that it's also one of the weakest bull markets in history. We could still have a lot of room to grow.
Could explain what you mean by this?
by new2bogle
Thu Jun 06, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Is it Wise to Remove Escrow if Bank Allows it?
Replies: 87
Views: 5729

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

Devil's Advocate: I don't mind escrow one bit. The interest I might earn is immaterial to be. It's one (or two) fewer bills to worry about, and, I don't need to think about putting $x aside each month. It's easy and tempting to spend those dollars when they're not needed for 11 months. "I'll just p...
by new2bogle
Tue Jun 04, 2019 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How to get the lowest mortgage rate?
Replies: 29
Views: 3527

Re: How to get the lowest mortgage rate?

Looking for buy my first house. How can I find the lowest mortgage rate in my area? I don't want to go to 5 banks to get pre-approval, then i will 5 hard pulls. Thanks. That’s not how this works. If you get multiple checks for the same things, credit companies will bunch them together into one pull...
by new2bogle
Tue Jun 04, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

I have young kids so I don't risk it with cars 10+ years old. My cousin's Odyssey (9 years old at the time) died in the middle of TX (well, a little east of the middle of TX) on a Sunday evening.
by new2bogle
Tue Jun 04, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7142

Re: Do you drive old cars for long distance travels?

Not so much anymore with my 21 year old Civic but it isn't due to concerns about it breaking down. The reason I don't do much long drives in it anymore is because it is a stick shift without a cruise control and as I age, I find I like my cruise control especially on long trips over four lane roads...
by new2bogle
Tue Jun 04, 2019 9:47 am
Forum: Investing - Theory, News & General
Topic: "Roth IRA: Two Clocks"
Replies: 20
Views: 1847

Re: "Roth IRA: Two Clocks"

Every converted lot has a 5 year holding period associated with it for penalty free distribution, correct? So that means some very detailed records need to be kept. Please correct me if I am wrong. I think you are wrong. See the article. :) The reason is that you used the word "every" and when over...
by new2bogle
Tue Jun 04, 2019 9:27 am
Forum: Personal Investments
Topic: Best Fidelity Funds for "Fixed"? Best Fidelity Funds for "Cash"??
Replies: 3
Views: 446

Re: Best Fidelity Funds for "Fixed"? Best Fidelity Funds for "Cash"??

Good or not, I keep the bulk of my cash/EF in FTABX, Fidelity Tax Free Bond Fund. Over past 5 years I've had it, it's been up 3% to down 3% and currently is at +2%. Pays dividends monthly. Tax equivalent yield as of today is 3.72%. If someone can suggest something better (not a CD where the money is...
by new2bogle
Tue Jun 04, 2019 9:20 am
Forum: Investing - Theory, News & General
Topic: "Roth IRA: Two Clocks"
Replies: 20
Views: 1847

Re: "Roth IRA: Two Clocks"

Every converted lot has a 5 year holding period associated with it for penalty free distribution, correct?

So that means some very detailed records need to be kept.

Please correct me if I am wrong.
by new2bogle
Mon Jun 03, 2019 4:13 pm
Forum: Personal Investments
Topic: Is Investing in Roth IRA worth it?
Replies: 21
Views: 2245

Re: Is Investing in Roth IRA worth it?

retiredjg wrote:
Mon Jun 03, 2019 4:09 pm
What's the other alternative? If the money does not go to Roth IRA, where would you put it?
Exactly. You put it in taxable and since same investments are available in Roth/taxable you still get 6% and end in same place (actually worse since you have to pay tax on it).
by new2bogle
Fri May 31, 2019 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Sugarland TX housing/schools
Replies: 8
Views: 721

Re: Sugarland TX housing/schools

Are you from another part of TX? Sugar Land gets pretty hot and is unbearably humid for me. Skip out on Riverstone, a newer development in Sugar Land. This area got extensive flooding and the problem is not fixed (which is that the entire development is built on a floodplain, was never labeled a flo...
by new2bogle
Fri May 31, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13987

Re: Tequila and Magaritas

For the love of god, do not buy a margarita mix.

As posted above, all you need is a good tequila, cointreau and lime juice.
by new2bogle
Fri May 31, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance - how much "medical expense benefits"?
Replies: 13
Views: 964

Re: Auto insurance - how much "medical expense benefits"?

What about an injured person (when you are at fault) who does not have health insurance? That what the main Bodily Injury Liability covers (health insurance or not, passenger, pedestrian, etc). Excellent, thanks. I am getting my policies switch if they are cheaper and will have to ask the independe...
by new2bogle
Fri May 31, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance - how much "medical expense benefits"?
Replies: 13
Views: 964

Re: Auto insurance - how much "medical expense benefits"?

What about an injured person (when you are at fault) who does not have health insurance?
by new2bogle
Wed May 29, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Remote control for an Apple TV 4k
Replies: 10
Views: 623

Re: Remote control for an Apple TV 4k

Thank you - let me check out the Harmony One.
by new2bogle
Tue May 28, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Remote control for an Apple TV 4k
Replies: 10
Views: 623

Remote control for an Apple TV 4k

I'm looking to replace my Apple TV 4k's remote control which I utterly hate (I can never use the track pad area correctly). I would prefer one that has a base that has some kind of "find me" feature that will start ringing the remote if misplaced. What do yall recommend?
by new2bogle
Thu Apr 11, 2019 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1385

Re: TaxAcT - PSA on gouging

I started using TaxAct maybe a decade or more ago when it was the only free e-file software available and my finances were simple (just one W-2). They have steadily increased prices but I've noticed that if chat with them you can get a discount. Just this week I asked for a 50% discount off of the ...
by new2bogle
Thu Apr 11, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Cable internet (Split or not)
Replies: 7
Views: 661

Re: Cable internet (Split or not)

No split. Put the modem where the desktop is, if you have one. If you don't have a desktop, put the modem whereever you want. Make sure you get a good WiFi router. I stream Netflix 4k content from my WiFi router to my AppleTV 4K and have absolutely not issues.
by new2bogle
Thu Apr 11, 2019 9:55 am
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1385

Re: TaxAcT - PSA on gouging

I started using TaxAct maybe a decade or more ago when it was the only free e-file software available and my finances were simple (just one W-2). They have steadily increased prices but I've noticed that if chat with them you can get a discount. Just this week I asked for a 50% discount off of the P...
by new2bogle
Mon Jan 07, 2019 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Mega-back-door Roth IRA tax question
Replies: 3
Views: 397

Mega-back-door Roth IRA tax question

I've been regularly moving my after tax 401k contributions to my external Roth IRA throughout 2018. The transfers usually resulted in small taxable events ($50 or so). However, from mid-Sept in 2018 onwards I got pretty busy at work and did not get a chance to do the transfer until December (unfortu...
by new2bogle
Fri Nov 16, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7627

Re: Are you all staying the course?

harvestbook wrote:
Wed Nov 14, 2018 4:20 pm
Considering we just went through this in February...

Still buying, still 90/10. Nothing has changed in the real world.
Yup, I am 90/10 also and still staying the course. Will be up bigly in a few years (or down).
by new2bogle
Thu Nov 08, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4240

Re: aerobic exercise: rower vs. treadmill and elliptical

Interesting comments to think about. The treadmill for me is my preferred aerobic exercise - I love running. It is just getting harder as I am getting older. I don't find the elliptical to be as good (in terms of I how fatigued I am afterwards). I am not worried about using a rower for non-aerobic c...
by new2bogle
Thu Nov 08, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 4240

aerobic exercise: rower vs. treadmill and elliptical

Last year about this time I posted about wanting a rower in addition to my treadmill and elliptical. Advice was to get the Concept 2, but at that time it was out of my budget. Now, that rower is in my budget but in the mean time my home gym now has a bench as well, so there is no room left for a 4th...
by new2bogle
Sat Nov 03, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Price is firm at $32,800 but no need to negotiate. https://www.carvana.com/cars/lexus/gs-350-2016?cvnaid=eyJmaWx0ZXJzIjp7InRleHRTZWFyY2hJbnB1dHMiOlsiMjAxNiBsZXh1cyBnczM1MCJdfSwiZmlsdGVyU291cmNlIjoxMX0%3D Depending on location, there might be shipping charge, besides taxes, license and title (maybe ...
by new2bogle
Sat Nov 03, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Currently at 30,400 OTD (~28500 sales price). I think this is looking good now. I could probably push for another $200 off and then pull the trigger. One issue with me is that I can't find any other color combo I like.
by new2bogle
Fri Nov 02, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Sorry to revive the thread. Been negotiating over txt about the used 2016 Lexus GS 350 40k miles (RWD, not F-sport). We are $2,000 apart, I am offering $29,200 and dealer is saying $31,200. They are not budging yet, but the car has been on the lot 3 months (well, 79 days). Unsure what a good deal h...
by new2bogle
Fri Nov 02, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

BTW, these are OTD prices. Included is ~$1700 in tax and $300 in dealer fees.
by new2bogle
Thu Nov 01, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Not Certified. Yes, the normal Lexus warranty which is 4 yrs/50k bumper to bumper. According to the carfax they provided, it has one owner and was sold on 05/31/2016. Warranty ends in 10k miles though, but by time it would be 05/31/2020. Other than no warranty left, is there much difference with th...
by new2bogle
Thu Nov 01, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Sorry to revive the thread. Been negotiating over txt about the used 2016 Lexus GS 350 40k miles (RWD, not F-sport). We are $2,000 apart, I am offering $29,200 and dealer is saying $31,200. They are not budging yet, but the car has been on the lot 3 months (well, 79 days). Unsure what a good deal h...
by new2bogle
Thu Nov 01, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3645

Re: Used 2016 Lexus GS 350: 40k miles too much?

Sorry to revive the thread. Been negotiating over txt about the used 2016 Lexus GS 350 40k miles (RWD, not F-sport). We are $2,000 apart, I am offering $29,200 and dealer is saying $31,200. They are not budging yet, but the car has been on the lot 3 months (well, 79 days). Unsure what a good deal he...