Search found 238 matches

by brajalle
Sun Dec 08, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Car Cost vs Yearly Living Expenses
Replies: 97
Views: 4950

Re: Car Cost vs Yearly Living Expenses

The question is what's the right financial model for cars, generally, especially when looking ahead to owning cars for 25+ more years, and fitting that into retirement planning and FIRE calculations. I know I've responded several times, but I just wanted to say that I really liked the phrasing of t...
by brajalle
Sun Dec 08, 2019 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Car Cost vs Yearly Living Expenses
Replies: 97
Views: 4950

Re: Car Cost vs Yearly Living Expenses

This is an interesting decision tree. So basically you're basing it all on OpEx? Next vehicle purchases? Very heavily to date. Here's some explanation tied into history - my wife came in with the 2010 Toyota, the 2006 Explorer ended up costing us about $800 (parents offered it to us for cost of som...
by brajalle
Sun Dec 08, 2019 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Car Cost vs Yearly Living Expenses
Replies: 97
Views: 4950

Re: Car Cost vs Yearly Living Expenses

Someone mentioned 5% of monthly take-home for costs - and another 25% of annual income in vehicle value. These sort of computations would preclude most average households from purchasing almost anything, but they may hold up pretty well in the $100k+ category. I think the 25% value/income ratio hol...
by brajalle
Sat Dec 07, 2019 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 370
Views: 35188

Re: Follow Up: Husband's Surprise Debts

Your story is very similar to my parents and you've done great so far but yes you have a long road ahead of you. With your husband's credit score being lower I'm wondering if you have pulled a credit report on both of you yet? I'd be concerned that's there more debt that hasn't been paid for in ord...
by brajalle
Sat Dec 07, 2019 5:30 am
Forum: Personal Finance (Not Investing)
Topic: Car Cost vs Yearly Living Expenses
Replies: 97
Views: 4950

Re: Car Cost vs Yearly Living Expenses

I've personally not seen any great modeling for vehicle ratios or such in a budget that applies across the board. They obviously break down with very high incomes, but they also tend to fail with lower incomes. Someone mentioned 5% of monthly take-home for costs - and another 25% of annual income in...
by brajalle
Sat Dec 07, 2019 4:40 am
Forum: Personal Consumer Issues
Topic: New passport how long to obtain?
Replies: 37
Views: 2186

Re: New passport how long to obtain?

I had a similar experience last year with my wife and I's passports. Ours had long since expired (hers as a child) or been lost (mine). I did debate over the expediting fee, but I ended up deciding against it. We received our passports as fast as everyone else has posted (in like 2 weeks or so) - wa...
by brajalle
Sat Dec 07, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: Downsizing CDs, Tapes Etc.
Replies: 43
Views: 2931

Re: Downsizing CDs, Tapes Etc.

I haven't done it in years, so not sure if they still do, but Google and (I think) Amazon's music service at one point allowed you to scan music files you had and you'd get a digital version of them on their service (it didnt support everything though). I think I only used mp3's for it, but I believ...
by brajalle
Wed Dec 04, 2019 4:36 am
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 97
Views: 5826

Re: Does anyone have a dishwasher they recommend?

Bosch. Pay the additional $100 for the extra (top shelf) tray. You'll thank me. I agree. The model numbers are a little weird on the Boschs, but I got something a little higher than their entry level, maybe around $700 at Lowes. (I think it was in the 500 series. But I'm not sure.) It's been awesom...
by brajalle
Tue Oct 22, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Moving my home landline phone number to MagicJack - good idea?
Replies: 52
Views: 4110

Re: Moving my home landline phone number to MagicJack - good idea?

I've had Ooma since the original model came out - still using it - sort of. The original model had no fees or taxes, so I'm grandfathered. I've actually had all of my wireless phones die in the time I've had it, and I haven't bothered to replace it. The base sits attached to the Ooma in the basement...
by brajalle
Tue Oct 22, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for 2 mil+ in annual spending?
Replies: 60
Views: 6571

Re: Best credit card for 2 mil+ in annual spending?

If you don't travel much that cuts it down considerably. You might check this list out - https://www.reddit.com/r/CreditCards/comments/dcqd8p/best_5_cash_back_no_annual_fee_for_each_category/ Perhaps someone with the BoA Platinum Rewards setup can confirm if there is a cash back option with those ca...
by brajalle
Fri Oct 11, 2019 8:15 am
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17946

Re: What are your personal experiences with downside of early retirement?

You are very lucky to be able to buy into health insurance from your former employer. I never heard of such a thing. These days, even retiree health insurance is a rarity. The best most people can hope for is 18 months of COBRA. But at least we have the ACA now. It's a bit more common than you thin...
by brajalle
Fri Sep 27, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5032

Re: Dental Insurance for Retirees

Another thing to look into are dental discount programs where you would just pay the contract rate to the dentist. I think Delta Dental offers it in certain locations. Aetna has one called Vital Savings for $75/year which I'm considering for next year. The Delta version is called Delta Dental Patie...
by brajalle
Sat Sep 21, 2019 12:38 am
Forum: Personal Finance (Not Investing)
Topic: Dental Insurance for Retirees
Replies: 62
Views: 5032

Re: Dental Insurance for Retirees

Another thing to look into are dental discount programs where you would just pay the contract rate to the dentist. I think Delta Dental offers it in certain locations. Aetna has one called Vital Savings for $75/year which I'm considering for next year. The Delta version is called Delta Dental Patie...
by brajalle
Thu Aug 22, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45815

Re: Anyone disenchanted with retirement?

Retirement to me is pretty simple. 1. Have you reached a point financially where you never have to work another hour for the rest of your life? 2. Have you left the (typically full-time) employment status under which you met #1? 3. Can you walk away from any subsequent job at any time? 4. Do you con...
by brajalle
Thu Aug 01, 2019 1:06 am
Forum: Personal Consumer Issues
Topic: What to look for when buying vacant land?
Replies: 10
Views: 1541

Re: What to look for when buying vacant land?

Availability of water has been mentioned, but depending on the state/area and what you plan on doing on the property, it might be helpful to know exactly how water rights might work. To go a bit further than just "permits", you should be sure it can support whatever form of wastewater system you hav...
by brajalle
Fri Jul 26, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 7291

Re: Frontier or Spirit Airlines

I think people have already covered several potential cons of these airlines. Here's a few pro's that I haven't seen mentioned - - Spirit and Frontier both have some potential in offering a pseudo-business class seat. Spirit has the big front seat - it's larger than their standard seat and has extra...
by brajalle
Fri Jul 26, 2019 10:39 pm
Forum: Personal Consumer Issues
Topic: Accord approaching 100k miles, how to push it beyond
Replies: 45
Views: 5293

Re: Accord approaching 100k miles, how to push it beyond

To echo a ton of others above - follow the manual. Be sure you accurately designate your driving as severe or not. Ie, there's typically a suggested maintenance table for severe driving and for regular driving. People may not realize that their 5-10 mile work trip is actually in the severe category ...
by brajalle
Fri Jul 26, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to finance home improvements?
Replies: 18
Views: 1753

Re: Cheapest way to finance home improvements?

Are you in a USDA approved area? They have a loan program up to $20k (for 20yr @ like 1%) for just this sort of thing which you could potentially qualify for. Be aware there are some hoops to jump through (they want to ensure there's a plan, real professionals, and verify). For HELOCs, be sure to ta...
by brajalle
Sun Jul 14, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 4423

Re: How to encrypt Cloud backups?

I'm going to echo some other posters. Cryptomancer is probably easiest for individual files or groups of files. Veracrypt is what I'd use for whole drives, albeit as a few posters said, there are some ways to get it to work with cloud backups.
by brajalle
Mon Jul 08, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2799

Re: Reviews on Honda Insight

As a FYI - Honda actually has a pretty decent aftermarket warranty (and a maintenance plan if you're into that) you may want to be aware of. The dealer did offer the aftermarket warranty but I did not get it as I had little time to research and understand the value it would bring. I hope my decisio...
by brajalle
Mon Jul 08, 2019 2:01 am
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 34
Views: 3529

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

I'd check out the Wirecutter's reviews of systems. If you have an agnostic platform, there's a ton of monitoring companies who are more cost-competitive too.
by brajalle
Mon Jul 08, 2019 1:58 am
Forum: Personal Consumer Issues
Topic: Reviews on Honda Insight
Replies: 34
Views: 2799

Re: Reviews on Honda Insight

Congrats on the new vehicle! We really liked the Insight ourselves when we ran into it on a dealer lot (went to look at a Clarity - which we plan to buy in the next year or two). We felt like it was a great combination of fuel efficiency, features, comfort, and cost - ie a great value. As a FYI - Ho...
by brajalle
Wed Jun 26, 2019 7:02 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5968

Re: citi discontinuing citi price rewind

I saw the same thing for my Double Cash. My knee jerk reaction is are they still going to call this "World Elite Mastercard?" That's an interesting question. Extended warranty appears to be a benefit for all Mastercards. https://www.mastercard.us/en-us/consumers/find-card-products/credit-cards/mast...
by brajalle
Tue Jun 25, 2019 4:47 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance - Uninsured/Underinsured motorist coverage
Replies: 11
Views: 1289

Re: Umbrella insurance - Uninsured/Underinsured motorist coverage

Our insurer recently stopped offering this on their umbrella policies. Our policy was grandfathered, but the premium increased by about 70%. As others have said, one of the typical best-use case scenarios it protects against is an accident in which you need to recovery lost future wages due to being...
by brajalle
Tue Jun 25, 2019 4:25 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5968

Re: citi discontinuing citi price rewind

No doubt it's a great a perk but I've never had to use it. I didn't sign up the card for this benefit and this benefit wouldn't have been a strong motivator for me to sign up for this card or the other. So at least for me, this was the right decision on Citi's part. Now if they can somehow increase...
by brajalle
Mon Jun 24, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Prius vs Prius Prime (plug-in)
Replies: 78
Views: 5092

Re: Prius vs Prius Prime (plug-in)

We felt like the Insight was a great value in terms of price and features/feel. You should also at least check out the Honda Clarity, as it's a competitor to the Prime. It's got better EV range even. We felt like Honda had stepped it up on the interior again after checking out those two models - ove...
by brajalle
Mon Jun 24, 2019 7:32 am
Forum: Personal Consumer Issues
Topic: citi discontinuing citi price rewind
Replies: 66
Views: 5968

Re: citi discontinuing citi price rewind

No doubt it's a great a perk but I've never had to use it. I didn't sign up the card for this benefit and this benefit wouldn't have been a strong motivator for me to sign up for this card or the other. So at least for me, this was the right decision on Citi's part. Now if they can somehow increase...
by brajalle
Fri Jun 21, 2019 3:10 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 34
Views: 3732

Re: Umbrella policy went up 166%

While I'd guess there's about a 99.9% chance your premium increase has to do with what the other posters are discussing, it may not hurt to actually inquire if there's another reason. Our umbrella premium jumped 25-30% last year - I asked why. Turns out they'd re-priced existing policies based on th...
by brajalle
Fri Jun 21, 2019 1:05 am
Forum: Personal Consumer Issues
Topic: SoClean for Cpap machine
Replies: 10
Views: 1079

Re: SoClean for Cpap machine

You asked about a cheap/cost effective place to buy one - https://www.cpapxchange.com/ They run sales/have discount codes from time to time. There's also cleaning wipes for your mask you can find around. They're probably not a complete substitute for actual mask cleaning, but they'll probably be use...
by brajalle
Thu Jun 20, 2019 4:35 am
Forum: Personal Consumer Issues
Topic: Xfinity broadband: should I try to negotiate a better deal?
Replies: 41
Views: 3939

Re: Xfinity broadband: should I try to negotiate a better deal?

I had a great experience at the Xfinity board at Reddit - https://www.reddit.com/r/Comcast_Xfinity/. It is monitored by Comcast reps who I found to be extremely nice and helpful. I posted that my discount was expiring and if there was anything they could do. A rep asked me to direct message him wit...
by brajalle
Tue Jun 18, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC Options
Replies: 19
Views: 1664

Re: HELOC Options

I agree withwillthrill81 there are potentially downsides to HELOCs and perks to student loans. Here's why - - I'll echo him and say - you won't lose our home in a default on student loans - Typically student loan interest rates aren't hugely higher than HELOC rates, so you probably won't be saving a...
by brajalle
Wed Jun 12, 2019 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: How are your 30s financially different than your late 20s?
Replies: 47
Views: 6072

Re: How are your 30s financially different than your late 20s?

1. Absolutely medical went up. While we had some very unexpected events happen, even our spending absent that would have increased by a good %. There's just a ton more preventative stuff that you realize you should be doing, plus you're just aging. It's more likely this will happen the last half of ...
by brajalle
Sun Jun 09, 2019 3:39 am
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 10572

Re: Do you carry Umbrella Insurance?

The author of a book on insurance once recommended an umbrella policy of $1mil more than you thought you needed. Consequently, I have a $1mil umbrella policy. Albeit I'm getting to the point where I will likely up it. Price has gone up a bit, something to do with they realized they couldn't price un...
by brajalle
Sat Jun 08, 2019 8:58 pm
Forum: Personal Consumer Issues
Topic: HBO Now
Replies: 11
Views: 1486

Re: HBO Now

I've read that the streams via Amazon for HBO are slightly higher quality than available elsewhere.
by brajalle
Fri Jun 07, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to dramatically cut down housing cost?
Replies: 19
Views: 3088

Re: How to dramatically cut down housing cost?

Could always build a tiny home on a trailer. Bonus - property taxes are great on them.
by brajalle
Fri Jun 07, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: money for going paperless
Replies: 9
Views: 1084

Re: money for going paperless

Our insurance company gives 5% off homeowners and auto for going paperless (but nothing yet for umbrella or life).

Comcast gives $10/mo off for ecobilling.

Our credit union now charges for paper statements.
by brajalle
Fri Jun 07, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Does a big family need 2 big cars? Question for 3 kid+ families
Replies: 58
Views: 4175

Re: Does a big family need 2 big cars? Question for 3 kid+ families

Test drive a Chevy Bolt on 10-20 miles of your commute. You will buy that car. The experience in traffic or at speed is a revelation. The OP requires AWD on his vehicle, so why recommend the Bolt??? To be fair, according to most experts I read, snow tires > AWD + all-season tires. Could be an option.
by brajalle
Thu Jun 06, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2967

Re: Any TV guys out there?

General recommendations based on reddit, wirecutter, CR, and other reviews - Low-end - TCL or Vizio for lower price points, they have pretty good TV's that aren't crap in these price ranges Mid-range - TCL 6-series and Vizio P-series (they're both great, but assuming all else equal, I'd lean TCL sli...
by brajalle
Thu Jun 06, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 5096

Re: Are we downsizing too much?

Everyone has a different preference and different situations (family size, etc). That being said, I started out in a 2000sqft condo - which I was concerned would be too small - with just me. After adding a wife, and living there, we later realized just how much time we were spending on upkeep/cleani...
by brajalle
Thu Jun 06, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 9783

Re: Costco or Sam's Club?

We've had a Sam's membership in the family for 20+ years. We've been a member of Costco previously, and sometimes stop in to take a look and see if we want to be a member again. Sam's is much closer than Costco to us. Areas I feel Sam's is superior - - Seem to be a tad more orientated for a small bu...
by brajalle
Thu Jun 06, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Dental & Vision Coverage
Replies: 16
Views: 1503

Re: Dental & Vision Coverage

Some suggestions - Dental - Check and see if Delta Dental Patient Direct is available in your state (direct from them, not another website). It's not insurance...it's an annual fee ($80 last I purchased in our state) that covers your entire household and gives you access to the Delta Dental PPO rate...
by brajalle
Thu Jun 06, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Best verizon mvno for little to no data.
Replies: 20
Views: 1688

Re: Best verizon mvno for little to no data.

If you use xfinity for tv or internet, try the mobile plan. It is free with 100mb of data. https://www.bogleheads.org/forum/viewtopic.php?t=220754 I believe it is $10/mo if you don't have xfinity as well. I believe you cannot get xfinity mobile if you don't have Comcast internet. Ahh, it looks like...
by brajalle
Thu Jun 06, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Best verizon mvno for little to no data.
Replies: 20
Views: 1688

Re: Best verizon mvno for little to no data.

student wrote:
Thu Jun 06, 2019 7:04 am
If you use xfinity for tv or internet, try the mobile plan. It is free with 100mb of data. viewtopic.php?t=220754
I believe it is $10/mo if you don't have xfinity as well.
by brajalle
Sun Jun 02, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Relationship mortgage discounts for moving a million assets
Replies: 317
Views: 39410

Re: Relationship mortgage discounts for moving a million assets

US Bank hasn't been mentioned in this thread, but they do have relationship banking perks for private wealth clients - including potentially access to some special credit cards. They might be worth calling, albeit I have no idea how competitive they are for mortgage rates.
by brajalle
Fri May 31, 2019 1:21 am
Forum: Personal Consumer Issues
Topic: Home buying
Replies: 50
Views: 2731

Re: Home buying

Lots of good info up above. I just wanted to add that a good rule of thumb I've found is to be able to put 1% of purchase price aside each year for house expenses. It's been good advice for us.
by brajalle
Fri May 31, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 5036

Re: How to save on prescription drug costs?

Some tips for managing prescription drug costs - - Buy discounted pharmacy gift cards. Combine with cash back credit cards. Ie, via Citi Easy Deals, I can usually buy 10% off CVS gift cards, and I can use a 2% cashback card on the site. Viola, 12% discount. Beware their machines have limits on the #...
by brajalle
Fri May 31, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 2227

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

There's probably too much in the tool world to cover in a single post. Basically, for light use around the home, just about anything mentioned in this thread works fine. If you're a buy-it-for-life sort of person, there are definite tiers of manufacturers (or at least the tool gurus on the internet ...
by brajalle
Thu May 30, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1938

Re: Recommendations for a budget TV

Which model did you get? There are significant price differences between the 4/5/6 model lines. The TCL 6 series was once the P-series. It was pretty universally lauded as one of the best bargains for visual features in the TV industry. I recommended a P-series to my parents, who went out and bough...
by brajalle
Thu May 30, 2019 3:29 am
Forum: Personal Investments
Topic: Portfolio for young, worried investor
Replies: 48
Views: 3569

Re: Portfolio for young, worried investor

Portfolio 1: 30% VOO (S&P 500 ETF) 40% TLT (20+ year Treasury ETF) 10% IEF (intermediate Treasury ETF) 20% IAU (gold) Which of the 3 portfolios do you recommend to me? Do you have other portfolio suggestions that may be helpful for me? How should I take into account a bond bear market and a stock b...
by brajalle
Thu May 30, 2019 3:06 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2393

Re: Extended auto warranty - who to buy from, if you want to

Lots of stuff NOT covered... engine tune-up, suspension alignment, wheel balancing, filters, lubricants, engine coolant, fluids, wiper blades, belts, hoses, spark plugs, brake pads, linings and shoes, clutch disk and recharging of the A/C system. glass, weatherstrips, lenses, sealed beams, light bu...