Search found 1251 matches

by new2bogle
Wed Aug 01, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Older Camrys - Hybrid vs regular?
Replies: 25
Views: 1543

Re: Older Camrys - Hybrid vs regular?

I have a 2010 Camry hybrid, less than 80k miles. I'm looking to unload in the next few months... I believe KBB is ~$8k private party, but it is fully loaded. Maybe you'll have to make a trip out here for a test drive.
by new2bogle
Wed Aug 01, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: Worth it to get 300 Mbps internet?
Replies: 61
Views: 35822

Re: Worth it to get 300 Mbps internet?

100Mbps should be good enough. I have 200 Mbps but in my house there can be 4 HD streams at the same time (Netflix, youtube, directv now, etc). I've noticed that some of the really good 1080P content can use 20Mbps. The problem with spectrum in my area is that ping latency is around 20ms. I think th...
by new2bogle
Wed Aug 01, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a Boglehead way of running a business?
Replies: 19
Views: 2063

Re: Is there a Boglehead way of running a business?

My brother in law gives employees in his practice a well matched 401k and generous bonuses. As he told me, "I don't see how they can live on market wages".
by new2bogle
Tue Jul 31, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in San Antonio
Replies: 38
Views: 2443

Re: Best BBQ in San Antonio

I have family in SA and have been visiting the City for 30+ years. I still very much like Rudy’s. Tried many others but always go back there - it has been very consistent over the years and is also very consistent across its locations. Certainly not “high end” but very good, in my opinion. I always...
by new2bogle
Tue Jul 31, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: $8712/year for insurance (auto, home, rental) How to reduce?
Replies: 39
Views: 2605

Re: $8712/year for insurance (auto, home, rental) How to reduce?

You need to change from "sunny_socal" to "sunny_soco". But I bet the sun here is >> warmer than socal. I would check with Amica. Back a few years ago, I switched to them (from State Farm) as they were the cheapest I could find (also in Austin). I've got primary house, rental house, two cars, umbrell...
by new2bogle
Mon Jul 30, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: selling used car with hail damage
Replies: 30
Views: 1692

Re: selling used car with hail damage

I don't understand what the issue is: Price it high and if it doesn't sell, lower the price. Entertain all offers. It sure doesn't seem like you need to sell it anytime soon, so you have MONTHS to figure out what it will sell for by putting it out there. If I was buyer, I would low-ball you and tel...
by new2bogle
Thu Jul 26, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: ESPP - Optimum Holding Period, Taxes & Fees?
Replies: 11
Views: 706

Re: ESPP - Optimum Holding Period, Taxes & Fees?

Except that world+dog sells when you do. Folks out there always seem to front run it, since I always lose 0.5% or so from the peevest value, and recovers next day. You might want to wait two hours or so if my anecdote is your guide. I noticed the same thing several times in a row, where it went up ...
by new2bogle
Fri Jul 20, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Penfed 5/5 Arm Rate Reset?
Replies: 16
Views: 1092

Re: Penfed 5/5 Arm Rate Reset?

I believe the 5 year T note is used for 5/5 ARMs (but do make sure by calling up PenFed). OP, do mean you refinanced 5 years ago (not months)? PenFed usually gives these offers out before the first 5 year rate reset. Some of us who had rates reset in 2016 or before actually got an offer for lower ra...
by new2bogle
Thu Jul 19, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 34
Views: 2392

Re: Passport expiration time rules for France

ausgenf wrote:
Mon Jul 16, 2018 5:24 pm
FYI, my wife just renewed her passport. It took ten days for her to receive her new passport with the expedited option.
Also FYI, my wife renewed her passport 6 weeks ago and it took about 2 weeks. No expedited option.
by new2bogle
Wed Jul 18, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Booking Intl flight through costco --> Too early/late?
Replies: 5
Views: 943

Re: Booking Intl flight through costco --> Too early/late?

We will be going to Europe in November and I will be booking through costcotravel. Right now I am getting what I believe is a pretty good price, 4 months out. I think for international flights this is a good timeframe to book and I should not wait longer. Does that sound about right? (costco travel...
by new2bogle
Wed Jul 18, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3488

Re: Europe travel Qs

livesoft wrote:
Wed Jul 18, 2018 3:08 pm
I don't bother carrying money or a wallet anymore. I have a zippered pocket for one credit card, one ID card. If I am camping, I add a micro pocket knife and a BIC lighter.
In Europe or in general?
by new2bogle
Wed Jul 18, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3488

Re: Europe travel Qs

2) maybe take the train from Munich for a day-trip to Salzburg, it's likely more pleasant than by car. As an Austrian, I can strongly recommend Salzburg :) It's a bit over an hour from Munich to Salzburg, by car, or perhaps train, right? If we did go by car, I assume there are some parking lots a b...
by new2bogle
Wed Jul 18, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3488

Re: Europe travel Qs

Going shortly on a leisure trip with our family of 5, to France (Paris and Strasbourg) and Germany (Munich), with possible side-trip to Salzburg Austria. First time to Europe for me in many years. Qs: 1) Cash - Will probably take at least 2 different Visa credit cards. I figure we'll want some pape...
by new2bogle
Wed Jul 18, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 16880

Re: Salary vs. Lifestyle

I had a similar experience a few months ago:
www.bogleheads.org/forum/viewtopic.php?f=2&t=248148

I ended up not going through with the interview process.
by new2bogle
Wed Jul 18, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Booking Intl flight through costco --> Too early/late?
Replies: 5
Views: 943

Booking Intl flight through costco --> Too early/late?

We will be going to Europe in November and I will be booking through costcotravel. Right now I am getting what I believe is a pretty good price, 4 months out. I think for international flights this is a good timeframe to book and I should not wait longer. Does that sound about right? (costco travel ...
by new2bogle
Mon Jul 16, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2519

Re: College savings plans - Roth vs. 529

Thanks - now I will keep on contributing to the Roth IRA for college. Over the weekend I was considering opening a 529 but I don't think so anymore. Couple of big reasons you want to open a 529, if your state offers a tax cut, then I would use the 529 to get those tax breaks. Also you need to consi...
by new2bogle
Mon Jul 16, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6379

Re: $540 a month on food for graduate student budget too much?

Yes, that is too much. When I was in grad school (12-14 years ago) my monthly food budget was about half of that. I only ate out on friday or saturday nights (one, not both). Made everything else in my apt (grilled cheese sandwiches are cheap).
by new2bogle
Mon Jul 16, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9676

Re: Why own a bed?

The local bridge has some prime sleeping spots.
by new2bogle
Mon Jul 16, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2519

Re: College savings plans - Roth vs. 529

Here is a plan that I am kicking around. I will open a home equity line of credit (HELOC). I will pay for my child's education via the HELOC. When they graduate I will then withdraw contributed fund from my ROTH to pay off the HELOC. Your primary residence and its mortgage is not considered in the ...
by new2bogle
Fri Jul 13, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: College savings plans - Roth vs. 529
Replies: 32
Views: 2519

Re: College savings plans - Roth vs. 529

Answering this really depends on your unique situation and more details than you provided. One of the better articles that breaks down the pros and cons of a Roth vs. 529 is linked below. https://www.thesimpledollar.com/529-vs-roth-ira-which-is-best-for-college-savings Thanks for the link. I put my...
by new2bogle
Wed Jul 11, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4604

Re: Which advanced tech is necessary in cars?

JoeRetire wrote:
Sat Jul 07, 2018 7:15 am
None are necessary.

Some are desirable.

Many are just a pain in the @ss and one more thing to break down.
This. I have my lane departure warning and front collision turned off. Very annoying.

What you need all cars will have: seat belts, ABS and skid control.
by new2bogle
Wed Jul 11, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Replace water heater at end of warranty or repair?
Replies: 31
Views: 2147

Re: Replace water heater at end of warranty or repair?

I don't flush my water heater. It is now almost 14 years old. Actually there are two of them installed, one of them I had to replace the temp sensor about 3 years ago since it stopped turning on. Other than that, no maintenance. In my rental house, I've had to replace both water heaters after just 4...
by new2bogle
Tue Jul 10, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4029

Re: Dow 40000 prediction for 2025

In 2025, the Dow will be 1 MILLION points..... (or less)
by new2bogle
Mon Jul 02, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3649
Views: 1037128

Re: What Movie Have You Recently Watched?

Into The Wild (2007) Emile Hirsch, Vince Vaughn, Hal Holbrook. Directed by Sean Penn. Mostly true story of Christopher McCandless (AKA Alexander Supertramp) who drops out, abandons his family, gives away and burns all of his money, and hitchhikes to Alaska where he takes up residence in an abandone...
by new2bogle
Mon Jul 02, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3649
Views: 1037128

Re: What Movie Have You Recently Watched?

Rampage

Won't be winning any awards, but a solid action flick that entertained me the entire time.
by new2bogle
Mon Jul 02, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 4770

Re: Retiring in Michigan (Ann Arbor)

I went to U-M for grad school in Ann Arbor. Absolutely loved the place and the winters did not bother me at all. I was able to live off of $1200/month while renting a 1-bedroom all for myself. The people are great and the progressive air just feels right. I love the diversity due to the exceptional ...
by new2bogle
Fri Jun 29, 2018 2:50 pm
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 5794

Re: Keep calm and Boglehead on!

I started really investing in 2007 when I got my first job out of grad school. Before that, my portfolio was no more than $15k that I save up over years of internships (and minus a car and other expenses of 20 year-olds). By 2008 I had about $70k in my portfolio when everything turned upside down. B...
by new2bogle
Fri Jun 29, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5527

Re: Why visa

Credit cards are a good tool if paying balance in full,but what happens if - 1. Person has money in bank to pay in full but could not pay on time due to health/other issues. 2. Person has money in bank to pay in full but dies and heirs dont know about the cc debt and it compounds. Same thing can be...
by new2bogle
Fri Jun 29, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Landlords- How Many Months of Expenses Do You Keep?
Replies: 8
Views: 1218

Re: Landlords- How Many Months of Expenses Do You Keep?

I don't keep a separate pot of money for my rental. All my short term money is in one pot and will go where needed. Currently it is at $66k.
by new2bogle
Fri Jun 29, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Keep calm and Boglehead on!
Replies: 60
Views: 5794

Re: Keep calm and Boglehead on!

livesoft wrote:
Thu Jun 28, 2018 8:23 am
The anxiety levels have really nothing to do with investing and what happens on this bogleheads.org forum. I don't see any reason to keep calm and I am very glad that folks are not keeping calm.
I am with you.
by new2bogle
Fri Jun 29, 2018 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5527

Re: Why visa

I wonder if by Visa OP means Credit Cards in general, not just Visa branded.

I use credit cards as much as possible and where ever possible. It is the absolute best way to pay for something.
by new2bogle
Fri Jun 29, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Who's John Bogle?"
Replies: 17
Views: 2404

Re: "Who's John Bogle?"

EJ has door to door salespeople?
by new2bogle
Wed Jun 27, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7296

Re: Are we just way over complicating this?

There are a number of people here, myself included, that go beyond a 1, 2 or 3 fund portfolio and have no issue with dealing with the additional complexity that might come with it. I really enjoy those particular discussions, actually. Doing so isn't for everybody, as evidenced by the comments by t...
by new2bogle
Wed Jun 27, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 10587

Re: Lost out on promotion

Being in tech myself, here's my experience in promotions (getting passed over for years before figuring out how to play the game): 1) You must have good technical work. Doesn't have to be stellar, but don't be the one fudging things up. 2) You must have a good relationship with your boss (duh) 3) Yo...
by new2bogle
Fri Jun 15, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7097

Re: can we afford to spend $20K on travel annually

I'm a bit curious as to what type of state employee makes 230k before age 40, and can get a 100k pension at 60? LOTS of government employees make high salaries. Here are the ones in Nevada, for example, although the age and pension data aren't included: https://transparentnevada.com/salaries/all/ I...
by new2bogle
Fri Jun 15, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 7097

Re: can we afford to spend $20K on travel annually

You are making a combined $360k and doing a great job saving + plus have a pension. Thank your lucky stars.

GO ENJOY LIFE!
by new2bogle
Thu Jun 14, 2018 11:56 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10342

Re: I was rear ended and the other guy wants a payout!

When I was rear-ended the woman who rear-ended me claimed that I "cut in front of her". I don't know, that could be true. My lane was ending (right most lane) and merging into the next lane over on the left which should be a normal zipper merge except for the road ragers who don't want to let anyone...
by new2bogle
Thu Jun 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10342

Re: I was rear ended and the other guy wants a payout!

What if a pedestrian darted in front of a car, and the driver had to stop suddenly. If you were behind this car, would you claim that you couldn't stop because the guy in front of you made a "sudden and unexpected stop"? Assuming I hit the car in front of me, yes, I would. And you think it would no...
by new2bogle
Thu Jun 14, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Has anyone used: TaxAct "Expert Review"
Replies: 0
Views: 176

Has anyone used: TaxAct "Expert Review"

I recently got an email from TaxAct (which I have used for the past ~10 years) about some "Expert Review" they can do on my previous tax forms. Here's the email: This offer includes a complimentary, one-on-one tax return assessment with an Independent Tax Professional. Your free financial review fea...
by new2bogle
Wed Jun 13, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Learning how to fix/repair things
Replies: 29
Views: 2398

Re: Learning how to fix/repair things

Sandtrap wrote:
Wed Jun 13, 2018 4:07 pm
YouTube.
Home Depot.
Just do it.
Easy.

j.
+1. This is how I learned. Not sure how people did it before youtube.
by new2bogle
Wed Jun 13, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Car Repair and Warranty
Replies: 11
Views: 936

Re: Car Repair and Warranty

Keep up with the Honda corporate email. I would advise to email the office of the ceo for Honda north america. They will respond. How much was the repair? Background: I had an issue with my Toyota and I decided to not even deal with the dealer and straight ahead contacted the office of the ceo of to...
by new2bogle
Tue Jun 12, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 78
Views: 12892

Re: Who uses the 3 fund portfolio ?

Classic 3 funder here (new this year) soon to become 4 when I participate in a new ESPP .... Wait I lied -- I have a 4th fund for TLH in a taxable account but it is VERY close (although clearly not identical) to Vanguard Total Market I don't consider my ESPP stock to be part of my overall portfolio...
by new2bogle
Tue Jun 12, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7450

Re: Boring Job

I knew my first job out of grad school was not what I wanted about 3 months in. It took another 15 months or so to find a job I wanted (searching on and off, not full time). In that first job, I mostly did not work, there was just not enough work to go around. I spoke up to the primary lead (my 2nd ...
by new2bogle
Tue Jun 12, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11859

Re: Are you including SS in your planning model? Are the benefits really that high?

Yes, benefits are high. My parents are getting around $60k/year in SS benefits. That is way more than they need so they do not need to touch their 401k/IRA/etc.
by new2bogle
Tue Jun 12, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11859

Re: Are you including SS in your planning model? Are the benefits really that high?

mdroz888 wrote:
Sat Jun 09, 2018 7:52 am
Don't forget to keep this in mind:

http://chicago.cbslocal.com/2018/06/07/ ... -out-2034/
Oh please. The only way SS funds run out is if current congress stops funding it while still looting from it.
by new2bogle
Tue Jun 12, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Which way to save for my child?
Replies: 32
Views: 1948

Re: Which way to save for my child?

I'm no expert but I believe I read Jack Bogle uses the UGMA/UTMA and the Vanguard Balanced fund for his grandkids. I recall him saying that he doesn't like 529 plans due to the restrictions on withdrawals . (emphasis mine) This is why I use Roth IRA as my preferred savings vehicle for college expen...
by new2bogle
Tue Jun 12, 2018 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13884

Re: Best Advice You Never Took

I was advised that it would be fiscally prudent to immediately go into a more lucrative field like finance or tech rather than pursue a PhD. I did not follow that advice. The advice was correct so far, financially, but there is more to life than one's salary or social prestige, something I've only ...
by new2bogle
Tue Jun 12, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Best Advice You Never Took
Replies: 100
Views: 13884

Re: Best Advice You Never Took

golfCaddy wrote:
Fri Jun 01, 2018 12:14 pm
go to med school
This.
by new2bogle
Tue Jun 12, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 17457

Re: Top Shelf Liquor Overrated?

Picked up some Laphroaig based on this thread. Holy cow is that peaty. Felt like drinking a camp fire. :happy Hopefully I'll warm up to it, but right now I much prefer Oban 14, Macallan 10 and Talisker 10. Still have the Ardbeg on my list to try. I'm surprised you like the Talisker 10 but find the ...
by new2bogle
Tue Jun 12, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 17457

Re: Top Shelf Liquor Overrated?

Picked up some Laphroaig based on this thread. Holy cow is that peaty. Felt like drinking a camp fire. :happy Hopefully I'll warm up to it, but right now I much prefer Oban 14, Macallan 10 and Talisker 10. Still have the Ardbeg on my list to try. I'm surprised you like the Talisker 10 but find the ...