Search found 1339 matches

by new2bogle
Thu Nov 08, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: aerobic exercise: rower vs. treadmill and elliptical
Replies: 44
Views: 3309

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: 3309

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: 3284

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: 3284

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: 3284

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: 3284

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: 3284

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: 3284

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: 3284

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...
by new2bogle
Tue Oct 30, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 35
Views: 4743

Re: water softener for whole house?

I've thought recently about getting a while house filter like this one from Lowes.

Any experience in using something like that?
by new2bogle
Sat Oct 27, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

Depends on use and care of vehicle. If well maintained and "gently" used, 40K miles for a Lexus is no big deal. We have 62k on our 2016 GX 460 (the large SUV) and its just fine (long trip miles, and we provide lots of TLC to it). Very true. I guess interior condition will tell how much TLC it got.
by new2bogle
Sat Oct 27, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

Been driving a toyota camry for 18 years. Time for something "fancy" :D We are in the market for the exact same car as you are for the exact same reason. The car that the Lexus will replace is a 2011 Camry XLE with almost every option available at the time. It was, and is, a nice car. Our used car ...
by new2bogle
Fri Oct 26, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

rgs92 wrote:
Fri Oct 26, 2018 6:41 pm
You can get a post-2013 LS460 with those miles for around that price or a bit more if you look around. That's a care in a completely different league.
Let me check around. 2013 is kind of older than I want to go and and LS is kinda of bigger than I need. Not been in an LS though...
by new2bogle
Fri Oct 26, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

40K miles is not too much. But $29-30K for a used car is too much. With few exceptions, it makes no sense to spend that much on a car nearly three years old when you can get something brand new, albeit less "fancy", for the same. Been driving a toyota camry for 18 years. Time for something "fancy" :D
by new2bogle
Fri Oct 26, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

40k miles is pretty high miles for a 2.5 year old car. Cars do wear internally (brakes, suspension, engine accessories like PS and alternator) and there is interior wear and tear as they are driven. Unless it is being sold at a very steep discount, I would be patient and find a lower mileage car. B...
by new2bogle
Fri Oct 26, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

Luke Duke / fortfun: yeah, thats what I thought. It's currently at 29,950. I will try to get them to see if they can lower (i.e., will need new tires very soon, new car warranty is expiriing based on high miles vs. not due to age, etc). Car is in a different city so haven't had a chance to physicall...
by new2bogle
Fri Oct 26, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: Used 2016 Lexus GS 350: 40k miles too much?
Replies: 38
Views: 3284

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

Subject says it. Is that too many miles to buy a 2.5 year old car (based on Carfax first to title data)? I think the price is a bit high, still trying to negotiate that lower. What do you folks think?
by new2bogle
Tue Oct 09, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3905

Re: Neighbors tree branch growing too close to my house

RollTide31457 wrote:
Tue Oct 09, 2018 12:01 pm
Ladder and a chainsaw should take care of the invading tree limb.
Agree with this and what I did. But be careful on the ladder with the chainsaw.
by new2bogle
Tue Oct 09, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 9004

Re: Finally Cutting the Cord - YouTube TV

Reviving an old thread here - sorry. Just wanted to share that we no longer stream. Direct TV NOW had too many DVR glitches. YouTube TV doesn't have the channels we want (kids tv). Though both of these services have excellent quality video. Back to bundling internet+cable and paying ~$25 more per mo...
by new2bogle
Tue Oct 09, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15505

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You should consider the Coeur d alene, ID area. . . . Low cost of living. Lots of affordable housing. And lots of Californians who are relocating here. If the Northwest places we've checked out are a reliable guide, an influx of Californians (and the money and services expectations they bring with ...
by new2bogle
Tue Oct 09, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

Just downloaded iOS 12.0.1. Happy to report the phone WiFi is no longer favoring 2.4GHz over 5 GHz. That gets me back from 70 Mbps to 250 Mbps. Still getting about 1 bar less on mobile coverage compared to my iPhone 6 (ATT wireless, not Verizon). I don't have drop outs, just a lot of locations with...
by new2bogle
Tue Oct 09, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

Am I the only one that doesn't want the new iPhone because of the notch at the top? Apple should copy Samsung...they figured out how to do the whole screen. No, you're not the only one. I also hate it. But I also have the home button taking up all the bezel space. So it's two steps forward and one ...
by new2bogle
Tue Oct 09, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by new2bogle
Tue Oct 09, 2018 11:30 am
Forum: Investing - Theory, News & General
Topic: Should I, and how, act on changes in managing diet and health?
Replies: 65
Views: 4613

Re: Should I, and how, act on changes in managing diet and health?

simplesimon wrote:
Sat Oct 06, 2018 1:45 pm
These diets are not affordable enough for it to go mainstream.
This is exactly the comment my wife made.
by new2bogle
Tue Oct 09, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 3055

Re: Dayton, Ohio -- Worth Visiting?

I visited Dayton with my kid a few years ago, as part of the Science Olympiad. We were put up in Wright State University, but vaguely recall that there were some hotels close by. It was not too shabby, though when we drove around town, there were a few streets that appeared sketchy. Not too bad, I ...
by new2bogle
Tue Oct 09, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What is your annual cost for health insurance?
Replies: 137
Views: 9882

Re: What is your annual cost for health insurance?

Employed at MegaCorp with family level HDHP: Deductible: $3,400 (then 10% co-insurance) OOP Max: $5200 Premium: $0 HSA: MegaCorp puts in $2,400. I fill up rest to the max. If my spouse had access to health care at her employer (she does not because she is part time) my MegaCorp would surcharge me $1...
by new2bogle
Mon Oct 08, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?
Replies: 42
Views: 2872

Re: Is it a sign that a bear market is coming, when most people are afraid that stocks will plummet?

A better investor (Buffett) said "Be greedy when others are fearful". To me that means I should stick to my 87% stock allocation. But will I........?
by new2bogle
Mon Oct 08, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

Further, there's a lot more to the overall screen quality than its resolution. There are plenty of phones with higher resolution displays that are widely regarded as having inferior overall screens. Which is why some of us have spent a lot of money on OLED for our homes. OLED is all about the color...
by new2bogle
Sat Oct 06, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1529

Re: Help identify vine in backyard

After reading suggestions and looking again it does look like some kind of nettle.
by new2bogle
Sat Oct 06, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1529

Re: Help identify vine in backyard

While googling, it did not look like poison sumac.

Most poision ivy pics dis not match either. But a few had the same ridges along the sides which made me unsure.
by new2bogle
Sat Oct 06, 2018 10:08 am
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1529

Help identify vine in backyard

I have the below vine growing in my backyard. Is this poison ivy? I tried comparing to some googled images but was unconvinced one way or the other.

I could not directly put the image in the post, so here is a link:

http://i65.tinypic.com/axlkww.jpg
by new2bogle
Fri Oct 05, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Carry On Luggage Recommendations
Replies: 39
Views: 2241

Re: Carry On Luggage Recommendations

Marshalls and/or TJ Max have the spinner samsonites. We got ours from there, cheaper than the sale + % off samsonite website was offering. Great hardshell suitcases.
by new2bogle
Fri Oct 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

I'm ready to retire my iphone 6s after four years, storage capacity almost exhausted. Visited the Apple store this past weekend and I must say the Xs is indeed "night and day" as someone above mentioned compared to the 6s. I just wished they had the Xr available on hand to see the difference(s). I ...
by new2bogle
Fri Oct 05, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Best deals to buy iphones
Replies: 66
Views: 6352

Re: Best deals to buy iphones

Alexa9 wrote:
Fri Oct 05, 2018 9:51 am
Switch to Xfinity Wireless and port a number and get $200 off an iPhone. There are also some BOGO $700 off with the major carriers.
I did this with Tmobile, best deal I could find at the time. $120 all in for 2 lines unlimited + they pay for my netflix.
by new2bogle
Thu Oct 04, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 15505

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

I live in Houston. .... Our high today is 89. With the heat and humidity, it says it currently feels like it is 96. At 11:30AM in October! Yes, it is refreshingly cool today. That rain that moved through yesterday has really dropped the temps. ive heard weather is unpredictable. Not in Houston. If ...
by new2bogle
Tue Oct 02, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Got my new Iphone Xs
Replies: 67
Views: 6986

Re: Got my new Iphone Xs

I got the Xs max for my wife and I. Great phone indeed. however, I really don't see the difference between OLED and lcd screen. Therefore, I recommend frugal bogleheads to buy the Xr version coming out next month in October for only $750 instead of Xs $1000. Save yourself $250. It is a great phone ...
by new2bogle
Tue Oct 02, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4833

Re: Buying a new Toyota Camry. What extra options if any?

Even though your Lexus is 8 years old, are you really comparing a $20k car vs an ~$60k car? No, I am comparing a new $20K car to a used $10K car because that is what I paid for it. Still not apples-to-apple. A not too used car sold new for $60k is better than a new car sold new for ~$20k (or $25k, ...
by new2bogle
Tue Oct 02, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4833

Re: Buying a new Toyota Camry. What extra options if any?

We had a 2018 as a rental last weekend and it was thoroughly underwhelming. It had all sorts of ground effects - lip spoiler and trunk spoiler, but apparently a 4 cylinder motor. It was completely anemic, even on level ground. Interior was really grim with hard plastic everywhere and stiff, flat fo...
by new2bogle
Tue Oct 02, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4833

Re: Buying a new Toyota Camry. What extra options if any?

I didn't look at the options that are options and are not standard, but I will say that I drove a 2018 Camry rental car for over 400+ miles and it had the safety features such as adaptive cruise control, lane change alert/assist, parking assist beeps, backup camera, navigation, reverse automatic br...
by new2bogle
Fri Sep 28, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: [Credit freezes and un-freezes are now free]
Replies: 58
Views: 2498

Re: [Credit freezes and un-freezes are now free]

I just saw this today after thinking I would need to spend $10 to unfreeze my credit report to get a credit check.

I went to Equifax and it was unfrozen for one day in less than 2 minutes. Finally something good!
by new2bogle
Thu Sep 27, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15971

Re: iPhone XS Max

For anyone with the Xs, what kind of battery life are you getting? Hasn't even been a week, I know, but there are some reports that battery life is worse than the X. I'm wondering if on a real-world basis (not some youtube tester) people are getting worse battery life because they're playing with t...
by new2bogle
Thu Sep 27, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: First-time victim of credit card fraud
Replies: 48
Views: 3958

Re: First-time victim of credit card fraud

There a hundreds of ways to get the number and many of them would not involve SWA. I've had fraud and then the replacement card already had fraudulent charges on it by the time I received it. Go figure that one out. One time I had a fraud related replacement card replaced before it even came in (go...
by new2bogle
Thu Sep 27, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15971

Re: iPhone XS Max

I just received my over-priced iPhone XS... unbelievable upgrade from the iPhone 5s, which was pretty much damn unusable outside of WIFI areas. If you take family pics, the camera rivals a $700 Nikon for portraits. Stunning. My only regrets are: 1) Not upgrading sooner (3-4 years probably sweet spo...
by new2bogle
Thu Sep 27, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15971

Re: iPhone XS Max

BTW, do most people recommend getting some kind of protective cover for this phone? If so, what did you suggest? I really don't want to make this phone bigger. YB I had the Caudabe Lucid Clear case in crystal for my X and bought it again for my Max. It is the thinnest case I could find that also ha...
by new2bogle
Thu Sep 20, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2992

Re: Moving to Dallas, how to establish residency

I moved to Texas from Ohio.. and then left after a year. While they’re is no income tax, they will get their money out of you via the water and utility districts if you purchase real estate. As I recall, the cost of vehicle registration and drivers licenses were comparable, but insurance costs skyr...
by new2bogle
Thu Sep 20, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2992

Re: Moving to Dallas, how to establish residency

Welcome to Texas, it's a great place.
by new2bogle
Mon Sep 10, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Low pay and low stress jobs with health benefit
Replies: 41
Views: 5699

Re: Low pay and low stress jobs with health benefit

How about working for the DMV? I recently renewed my registration and had to go in since it was too close to the deadline to do it online. Seemed like a pretty easy desk job for the person doing it. Don't need talk too much, but not isolated in a cubicle by yourself. It is a customer service job tho...
by new2bogle
Mon Sep 10, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10335

Re: Anyone else not save for cars?

I don't. All excess money goes into one pot, and comes out as needed. I don't pay cash for cars as I find 2% (often lower) finance rates that you can get for cars to be "free" money. My last new car I bought had a loan of ~$22k after trade-in and maxing out how much the dealership would take on cred...
by new2bogle
Mon Sep 10, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: How much do bogleheads save in 529?
Replies: 79
Views: 4696

Re: How much do bogleheads save in 529?

$0 in a 529. I put $25k/year into a mega backdoor Roth, targeted for college expenses. If that were not an option, it would be split between taxable and 529. My state gives no 529 benefits. I plan to stop savings and use cashflow (stop 401k payments, plus the 25k going into backdoor, plus taking out...
by new2bogle
Mon Sep 10, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: What performance to expect from central AC?
Replies: 35
Views: 2409

Re: What performance to expect from central AC?

We say the unit has never been able to pull the temperature below 73F even when the outside temperature peaks at 80F. I ask what's going to happen when it's 95? It is very helpful to have some of you confirm that an AC should cool 20F from ambient. That's all I ask of this unit. Thanks, You really ...