Bogleheads.org

airahcaz

NJ asked salary expectations and verbal said they’re not going to ask current salary (as if they weren’t allowed to)

airahcaz

The SALT cap limitation may or may not be a factor. A couple would have to model their single and pro forms joint tax situations. In my “MFJ high tax state” case, the new tax law resulted in a (slightly) lower federal tax liability for 2018 than the liability would have been under the old tax law. ...

airahcaz

Isn’t the new deductions limit a reason for single couples to remain unmarried? Say both individuals have more than $10K in income tax. Is this essentially a $3000 question assuming the other partner would get an additional refund approximately in that amount? “The new tax law has largely eliminated...

airahcaz

There’s more room for negotiation if going directly and no recruiter involved. Somewhat true?

airahcaz

Seems employers can’t ask candidates for their salary in NYC, but what about NY state and NJ for that matter? “New York City Effective Date: Oct. 31, 2017 Employers Affected: All employers, employment agencies or employees or agents thereof Employers in New York City are prohibited from requesting i...

airahcaz

A grandparent has college money invested in an SP500 index fund for his grandchild. Does it make sense to sell now, pay long term capital gains taxes at 15%, and invest the proceeds in an identical fund in a 529?

airahcaz

FDIC insurance covers cash in a bank up to $250K. There’s only so many bank accounts one can open. SIPC covers brokerages, so isn’t $ safer invested in securities? Ignore risk & rate of returns at the moment. Thinking if one wins the Mega!

airahcaz

dwickenh wrote: ↑
Tue Oct 02, 2018 8:39 am

samsoes wrote: ↑
Tue Oct 02, 2018 7:27 am
Also to be considered is the effect of AGI on the amount of SS which becomes taxable, and ACA/Medicare premiums, if applicable.
These two are important considerations!!

Even if the person is not collecting SS yet?

airahcaz

Allow me a caveat that I can get access to the capital this year by selling a call option.

airahcaz

Assuming same tax bracket and no expected losses in the following year, is the only reason to realize a long term capital gain in the following year vs current year is to stay invested?

airahcaz

Folks,
I went with the 2018 Accord Sport 1.5 and couldn’t be happier, $25,500 OTD

airahcaz

Dare I throw this into the mix, the Accord will be more "fun"?

airahcaz

Does the Accord have the same engine that's giving the CRV trouble? I've crossed CR-V off my list and Civic and Accord that shares same engine. If you're leasing the car, it may not matter, but if you're keeping long term, be more cautious. How bad is the decision of buying a 2018 Honda CR-V consid...

airahcaz

2015 Lexus ES350 or 2018 Honda Accord Sport 1.5? Go.

airahcaz

What about a 2015 Lexus ES350 for under $25K?

airahcaz

Accord also has an impressive 30/38/33 mpg combined. Accord 2.0 is 22/26 and GS is 19/25

airahcaz

I am OPEN to an Accord Sport manual for sure! Wife also drives stick, but she thinks impractical in our area. Worth reconsidering.

How's manual in snow? We're in suburbs but still populous.

airahcaz

Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil. Really? On Accord or other cars? Any issues with the hybrid or 2.0? Read through multiple owners forums before you buy any new or used car t...

airahcaz

Going to the Accord 2.0 engine increases the price range, I’m guessing the risk with the 1.5 is if they do not find or acknowledge and subsequently fix any issues within the 3-5 year warranty? 5 year powertain. But also the hassle if there are any major engine issues

airahcaz

monkey_business wrote: ↑
Mon Sep 10, 2018 11:31 pm
Try this: http://lmgtfy.com/?q=Honda+accord+forum

Did that. I was asking specifically a good one where the 1.5 engine oil was being discussed.

airahcaz

Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil. Really? On Accord or other cars? Any issues with the hybrid or 2.0? Thanks. Which forum? Read through multiple owners forums before you buy ...

airahcaz

jabberwockOG wrote: ↑
Mon Sep 10, 2018 9:23 pm
Toyota Camry. Stay away from current models with the Honda 1.5T engine that appears to have significant issues with unburned fuel getting into the engine oil.

Really? On Accord or other cars? Any issues with the hybrid or 2.0?

airahcaz

Edited my post to reflect that I’ll keep the car for at least a decade.

airahcaz

I spent in April 25K after TTL for Honda Accord 2018. Before TTL I think it was 23.5K, with roughly 1.5K being TTL in NoVA area. Very happy with the car and its terrific value with Android Auto, safety features and decent 1.5T engine. I wanted hybrid but they did niot have it when I needed car and ...

airahcaz

Hmm, one biggie. The GS does have 300+ HP Also, do any of the things you like about Lexus as a brand apply also to Toyota? If so, are you also considering the Camry for a mid-level car. What about a used Acura TSX for as a competitor to the Lexus? I’d rather the Accord Sport over 2018 Camry SE. I k...

airahcaz

Hmm, one biggie. The GS does have 300+ HP

airahcaz

There’s also the parts and repair costs, which used luxury car will need sooner and cost more than new Honda.

airahcaz

I really like the 2018 Honda Accord Sport, purchased one myself and am happy about it. The only downside is that it is model year one for this car and the 1.5 Liter Turbo has had issues in other Honda vehicles in the lineup (long running thread on Bogleheads about the CRV). I feel pretty good about...

airahcaz

For second car, looking to spend $25K. Set this threshold cause a new 2018 Honda Accord Sport can be obtained for right around that number, with Honda Sensing Safety, keyless entry, Apple CarPlay, and well, NEW! Of course there’s the used market, and our family is partial to Lexus: 2014/2015 ES350 F...

airahcaz

Got my car totaled by an uninsured driver, fortunately I was not injured. My uninsured coverage covered the car and also the deductible was waived because of the uninsured motorist. I am pretty sure I still would have been covered for the car under collision but I would have had to pay the deductib...

airahcaz

Checked with my health insurance and after a deductible the coverage is unlimited (worldwide), but that of course is only for me and any family members on the same policy.

airahcaz

ETF’s are hard to dollar cost average via monthly contributions cause of commissions.

Perhaps the most inexpensive way is to buy the Canadian brokerages index fund equivalent even though their MER is higher than the States?

airahcaz

Appreciate all the input.

My decision was the min $15K/$30K

Or the maximum $500K/$500K

Anything in between is only a few bucks

I’m guessing go max then, which will match my bodily injury limits

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? Especially if one has Personal Injury Protection , as well as Uninsured M...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? https://www.allstate.com/tools-and-resources/videos/ask-agent-car-insuran...

airahcaz

A bit perplexing. Uninsured motorist hits your car and injures you and a passenger. Medical and liability coverage should kick in regardless. In what scenario would one need to use this beyond simply selecting state minimums? Especially if one has Personal Injury Protection , as well as Uninsured Mo...

airahcaz

Ok so what brokerage firm can a Canadian citizen and Canadian resident open in Canada to obtain something like a fidelity or vanguard or Schwab S&P500 index fund?

airahcaz

Relative is a Canadian Citizen and Canadian Resident and would like to open a non retirement brokerage account in Canada to start investing in a broad based index fund. Fidelity said they only service retirement accounts Canadian Residents Vanguard? TD? What's the next best place to look? Then, he'd...

airahcaz

Deck Remodelers only do top notch work with top materials, including LED lighting...

The pergola has an open and shut roof

airahcaz

The DW wants a new covered deck. Less than 500 sq ft will run $50-$70K in our northeast NJ area (either roof or equinox pergola).

Is a deck worthwhile? Anyone spend that dough and have zero regrets? Or have much regret?

airahcaz

.. GPS navigation on both is as lousy as it has ever been. It's super painful to find a destination you are just hazy about, so procedure is to find it on Google Maps and then somehow transfer that to the cars. One day, all cars will switch to Google maps... Apple CarPlay, which Toyota/Lexus/German...

airahcaz

I think this thread is convincing me more and more to look at 2019 ES or GS as a Boglehead for less

ES AWD would be impressive

airahcaz

And what if we looked strictly economically, purchasing either of these two 2018’s, but in 2020/2021 when used. Can we assume they’ll be close in costs?

What about maintenance and upkeep in years 3-10?

To answer other commenters, it’ll be a vehicle that will be kept for easily a decade+

airahcaz

I’ve had 1LS before as well as a 98 GS400 which is still running strong. Lexus reliability trumps both Tesla and Germans. Sticking to Lex vs Tes, there is a concern 5-10 years from now, where we can most likely predict how the Lexus will hold up both physically and in value. Tes is a bit of an unkno...

airahcaz

How about the one that costs less 2-3 years from now used?

airahcaz

5LS is of course refreshed look, there’s something to be said about that vs 4LS

It is a decision of electric vs ICE as well though

airahcaz

would avoid the tesla based on a family member's poor experience. But they are very different types of cars. Would get a 1-2 year old panamera CPO for sporty, or a preowned S Class 1 year old for luxury. Look at a 2017 Bmw 7 also. Lexus is nice for modern reliable sedan also. Ultimately, you cant g...

airahcaz

For 2018, both are mid $70’s, so wondering what the BH’s think....

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