Search found 140 matches

by froman118
Thu May 10, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 2154

Re: Reccommended Minivans

We've been really happy with our 2016 Kia Sedona EX. Purchase price was $29,500. I wouldn't touch the Chrysler or Nissan. I'd take the Honda over Toyota, but hate the styling of the Honda. Kia is the best looking IMO with good interior materials for the price. I didn't want too many bells and whistl...
by froman118
Wed Jan 10, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: OnePlus 5t Smartphone?
Replies: 21
Views: 1646

Re: OnePlus 5t Smartphone?

Lot of bang for your buck with the 5T. I'm still using my 2+ year old OnePlus X. The $250 price tag was great at the time for the specs (nice OLED display) and the battery is holding up so far. The micro USB slot is getting finicky and will probably be what forces me to upgrade so USB-C is a very we...
by froman118
Thu Dec 21, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Where can one find the summary of the new Tax Law?
Replies: 1
Views: 387

Re: Where can one find the summary of the new Tax Law?

Think this was shared in the big thread and deemed a good comprehensive summary:

https://www.kitces.com/blog/final-gop-t ... trategies/
by froman118
Tue Sep 19, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 30235

Re: Calling out the not so rich bogleheads

I'll post since I'm pretty close to the age OP is looking for: 33 years old / wife is 37 Good paying local government job (120k before any benefits) with pension and excellent health insurance $200k in 401k/IRAs $200k in cash (most parked in bond funds) $200k in equity (bought foreclosed townhouse i...
by froman118
Wed Sep 06, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 5088

Re: How do you track expenses ?

Mint. I've got 7 years of data there and had used Yodlee a few years before that. Being married with 2 kids means a lot of transactions (average about 120 per month) and a lot of them are either automatic or from my wife so having stuff come across automatically is amazing. We tend to use credit car...
by froman118
Wed Aug 30, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 7216

Re: How to deal with Amazon purchases with Mint.com??

I manually split up Amazon, Target and Costco transactions. Amazon is actually the easiest with the store card because the description that comes across to Mint has the name of the items in the order so sometimes I don't have to pull up the details. Amazon card does not do this with Quicken. I'm su...
by froman118
Tue Aug 29, 2017 11:26 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 7216

Re: How to deal with Amazon purchases with Mint.com??

I manually split up Amazon, Target and Costco transactions. Amazon is actually the easiest with the store card because the description that comes across to Mint has the name of the items in the order so sometimes I don't have to pull up the details.
by froman118
Mon Aug 21, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1798

Re: Home Theater Help

This guy on Reddit has a ton of good info and recommendations across different equipment and price points:

https://www.reddit.com/r/Zeos/
by froman118
Mon Jul 31, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Carseats and Minivan Buying Question
Replies: 4
Views: 485

Re: Carseats and Minivan Buying Question

We've got a 2016 Sedona EX with the middle 2nd row seat and 2 kids (1 booster, 1 front facing harness). The middle seat has come in useful when we load up some extra family or friends. I'd go out of my way to find one with the seat so you have the option of sitting 2-3-2 (3 in the back is a bit tigh...
by froman118
Wed Jul 12, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Rental Car - Which Credit Card to be used
Replies: 9
Views: 949

Re: Rental Car - Which Credit Card to be used

I've been using the AMEX primary coverage for years:

https://feeservices.americanexpress.com ... ge/home.do

Looks like the Sapphire Reserve has primary coverage built in which might be good enough. Amex Blue is the usual secondary coverage.
by froman118
Mon Jul 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15 Year Mortgage?
Replies: 7
Views: 1291

Re: Refinance to 15 Year Mortgage?

You've got a lower loan balance so you'll be paying a a good 2-3% in closing costs at the lowest rates or you'll have to bump your interest rate to the ~3.6% area to get enough lender credits for a no-cost refi. As I understand it the lower your loan amount the less "valuable" negative points are. I...
by froman118
Fri Jul 07, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Options for Home Mortgages
Replies: 2
Views: 364

Re: Options for Home Mortgages

Grab some quotes through Zillow:

https://www.zillow.com/mortgage-rates/

Fees and lender credits should be pretty transparent.
by froman118
Wed Jun 14, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursable business expenses and Mint/Personal Capital
Replies: 3
Views: 3019

Re: Reimbursable business expenses and Mint/Personal Capital

Just ran into this for a few expenses for a training class that are being reimbursed in a future paycheck (not separately). I categorized the expenses under Income - Reimbursement and when I get paid back I'll split the Paycheck transaction, categorize it as Reimbursement and adjust one of the dates...
by froman118
Wed May 24, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Shocking car insurance quote
Replies: 39
Views: 6329

Re: Shocking car insurance quote

On a somewhat related note - has anyone wondered why we don't automatically get reductions in annual auto policy premiums as the value of our cars depreciate over the years, or does anyone know the answer to this? My premiums with Wawanesa dropped about 10% over a few years. I think most of that wa...
by froman118
Wed Apr 05, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Difficulty reconciling Amazon charges to Chase Amazon Visa
Replies: 11
Views: 2176

Re: Difficulty reconciling Amazon charges to Chase Amazon Visa

The charges are based on shipped packages. I've got the Amazon Store card linked up to Mint and one nice thing is the transaction description actually includes the product names. Makes it easier to split up and categorize without always having to go back to my order history.
by froman118
Wed Mar 29, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer loan review
Replies: 6
Views: 706

Re: First time home buyer loan review

The fees seem high. My last refi with eRates Mortgage had a $600 closing fee and $400 title insurance on a $200k 15 year loan. Shop around for lower fees and check out the mortgage search on Zillow.
by froman118
Thu Mar 23, 2017 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 7166

Re: How did you do your income taxes?

TaxHawk this year for $0. They are running a special for new customers and it seems like normal cost is just $15 for the state e-file. I moved from TaxAct after 6 years of paying about $14.
by froman118
Tue Mar 14, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Help me pick a computer
Replies: 71
Views: 5530

Re: Help me pick a computer

For normal day to day usage the SSD for boot and OS is the biggest influence on performance. If you aren't gaming then you don't need a separate video card. The integrated video on Intel CPUs from the last 4 years can handle any usual desktop task and video playback (my HTPC is running a 4 year old ...
by froman118
Mon Mar 13, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: household budget trim: car insurance
Replies: 24
Views: 1812

Re: household budget trim: car insurance

If you happen to live in CA or OR check out Wawanesa. They're pretty picky about drivers, but their rates are the lowest I've found for our situation.
by froman118
Fri Mar 10, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 4434

Re: can you recommend good tires

The highest ranked all-season tires in no particular order are: Michelin Premier A/S (I have these) Pirelli Cinturato P7 All Season Plus Continental PureContact https://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=GTAS With Continental you want the PureContacts, not the ContiProConta...
by froman118
Mon Mar 06, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you spend on food in a year?
Replies: 155
Views: 10871

Re: How much do you spend on food in a year?

2016 totals for family of 4 (kids 2 and 4):

Groceries $4,257.49
Restaurants $2,539.84
Lunches $1,311.27
Alcohol & Bars $810.17
Party Food $598.90
Coffee Shops $99.84
Travel Food $250.61

$9,903.12 total. Shouldn't include any significant amount of non-food items as I split everything up in Mint.
by froman118
Wed Mar 01, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Family Hounding me to Purchase SUV or Minivan
Replies: 61
Views: 5778

Re: Family Hounding me to Purchase SUV or Minivan

We bought a Kia Sedona last summer (Jetta TDI got bought back in December) and we really only felt like we needed something bigger in the last year or so with our older child (of 2) turning 5 soon. We do a lot with family and could never take anybody with us which made planning some outings more dif...
by froman118
Mon Jan 30, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Do you recommend using credit karma's tax product?
Replies: 52
Views: 8938

Re: Do you recommend using credit karma's tax product?

Tried Credit Karma and hit a snag with Form 2441 Dependent Care. Pretty much the only support reporting expenses, but skip a lot of the form where you report forfeiture and carry over amounts. I have money on Line 10 of W-2 I didn't spend and there's no way to report it was forfeited back to employe...
by froman118
Wed Jan 11, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 80
Views: 12869

Re: Amazon Prime Rewards Visa Signature Card

I already have the Amazon 3% Visa and am a paid Prime subscriber, can I just get 5% back with my existing card or do I have to open another card? Should be automatic. I got the email this morning and just checked the details of the card through the "Manage Payment Options" link in my Amazon account...
by froman118
Fri Dec 09, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 51
Views: 5073

Re: Anyone still upgrading their PC build? (Not replacing the machine)

Motherboard/CPU/Memory are on a 4-5 year upgrade cycle; current i7 might go even longer. I'll refresh video card every 2-3 years with a mid-range card with good a good performance/power consumption ratio. My Nvidia 750 TI is pretty darn efficient and I might sell that for ~$70 and step up to a 1050 ...
by froman118
Fri Dec 09, 2016 12:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 14747

Re: Vanguard's new "account overview" page... BOO!

I work in this area and deal with the mobilization and responsive design. The new design seems fine to me and really just needs some work on whitespace and element positioning. The tabs and Total Assets header have way too much padding and the "Group by owner" checkbox has it's own block across the ...
by froman118
Mon Oct 24, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: VW Jetta TDI Settlement
Replies: 9
Views: 1259

Re: VW Jetta TDI Settlement

One option is to check in on what the fix will be from VW. I have heard that VW is going to apply the fix and the if owner is still not happy there will be a second buy back period. This will at least give you some time to work out what you want to do. See section 4.3.6 of the settlement. There are...
by froman118
Mon Oct 24, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: VW Jetta TDI Settlement
Replies: 9
Views: 1259

Re: VW Jetta TDI Settlement

I'm at 69,XXX You already purchased a replacement? What if this thing gets delayed!? Delay is unlikely at this point and our TDI was paid off over 2 years ago. Replacement is at 0% for 66 months with everything rolled in. I'll drop the buy back check in Total Bond and just let it work for me. The $...
by froman118
Mon Oct 24, 2016 3:30 pm
Forum: Personal Consumer Issues
Topic: VW Jetta TDI Settlement
Replies: 9
Views: 1259

Re: VW Jetta TDI Settlement

Our 2010 Sportwagen is parked and waiting to be bought back. Replacement has already been purchased. If there was an approved fix (I highly doubt there will be one for the non-SCR vehicles) I'd still take the buy back. There's just too many expensive things that can go wrong with these cars on top o...
by froman118
Fri Oct 07, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: So many threads about mortgages!
Replies: 19
Views: 2050

Re: So many threads about mortgages!

i want to know where everyone is getting these no-cost refinances. i have a 3.5% mortgage i would love to re-fi if i dont have to pay any costs to do so. Zillow's Mortgage search is a good place to start: https://www.zillow.com/mortgage-rates Sort by fees and see what the lowest fees and interest r...
by froman118
Fri Sep 30, 2016 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth it to pay extra principal towards mortgage?
Replies: 44
Views: 8864

Re: Is it worth it to pay extra principal towards mortgage?

You're saying I could refinance at no cost? You could easily do a true no cost refi into a 15 year with around 3% interest rate. If prices in your area have gone up a bit then you might not have to kick in any/much to avoid PMI. I did this last summer where I went from 3.5% 30 year with PMI to 3.12...
by froman118
Thu Sep 22, 2016 10:38 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 1912

Re: Advice on Getting Deals for Tires

Costco won't mount tires you didn't buy from them. Overall they seem to have a smaller selection and a bit higher prices. My last two sets were purchased during Discount Tire sales through eBay ($100 off) and combined with a manufacturer rebate. Local tire place mounts for $15 a piece. Cooper CS5 fo...
by froman118
Sun Sep 11, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Toyota, Honda, Nissan or Chrysler Minivan?
Replies: 43
Views: 5482

Re: Toyota, Honda, Nissan or Chrysler Minivan?

Just purchased a new Kia Sedona 2016 EX and did quite a bit of research and comparison. $29,680 before TTL with 0% 66 months and $0 down. I'm in the VW TDI settlement so this was purchased with the assumption of a $16.5k settlement/buy back in 3 months. Interior quality and price/incentives tipped m...
by froman118
Wed Sep 07, 2016 11:44 am
Forum: Personal Consumer Issues
Topic: Should I upgrade my 6 year old plasma TV?
Replies: 81
Views: 17461

Re: Should I upgrade my 6 year old plasma TV?

I finally replaced my 9 year old 42" Panasonic 720p plasma with the LG 55EG9100 OLED a couple months ago. "Only" 1080p, but at my viewing distance it doesn't matter as I'm barely seeing the benefit of 1080p. Adorama puts them on sale through eBay about once a month and I finally bit at $1200. Much n...
by froman118
Sun Aug 07, 2016 12:21 am
Forum: Personal Consumer Issues
Topic: Toyota care plus prepaid maintenance
Replies: 50
Views: 32701

Re: Toyota care plus prepaid maintenance

I want to know how he went nearly 50k miles with no brake pad changes! For my civic, at various SoCal dealers: September 2013 - 22k miles - engine filter $59.95 59.95 September 2013 - 22k miles - cabin filter $59.95 59.95 Sept 2014 - 42k miles - replace air filter and cabin air filter - $114.21 114...
by froman118
Thu Jun 30, 2016 2:04 am
Forum: Personal Consumer Issues
Topic: Any VW or Audi TDI owners out there with thoughts on settlement?
Replies: 32
Views: 3339

Re: Any VW or Audi TDI owners out there with thoughts on settlement?

Our 2010 Jetta Sportwagen is just under "average" mileage so we're looking at $15,617 for buyback. We will definitely take the settlement and let them buy ours back. We've had 2 kids since we bought and have been wanting to move to a minivan. Been pretty frustrating that we couldn't sell the car wit...
by froman118
Thu Jun 23, 2016 12:34 pm
Forum: Personal Consumer Issues
Topic: Verizon raised unlimited data by $20
Replies: 49
Views: 4686

Re: Verizon raised unlimited data by $20

The plan seems really good, I saw it earlier but we stuck with Verizon because we wanted to have signal and reliability. Does T-mobile still have signal/coverage issues? T-Mobile has been aggressively expanding their 700mhz (Band 12) coverage which should help a lot. I've got a Nexus 5X coming toda...
by froman118
Thu May 05, 2016 4:26 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 36
Views: 12693

Re: Any bad experiences with Brooklyn Bedding mattress?

Probably saw my post in the recent thread. Been on a medium Best Mattress Ever since October and really like it. I'm a side sleeper and the medium is just right, any firmer and it might cause pressure points. I prefer firmer beds and a soft bed at a hotel is a guaranteed sore lower back for me. It c...
by froman118
Wed Apr 20, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Online Mattress Company Reviews
Replies: 59
Views: 10640

Re: Online Mattress Company Reviews

For those who use one of these mattresses, would you mind posting whether you use a platform, slats, box spring, etc.? I'm using this metal platform with the Brooklyn Bedding mattress. Sturdy and quiet with about 14" of clearance which makes underbed storage easier. http://www.amazon.com/SmartBase-...
by froman118
Tue Apr 19, 2016 7:18 pm
Forum: Personal Consumer Issues
Topic: Online Mattress Company Reviews
Replies: 59
Views: 10640

Re: Online Mattress Company Reviews

I've been on the Brooklyn Bedding Best Mattress Ever since October and really like it. I compared LOTS of the internet direct mattresses and I was sold on the 4" of latex on top and the slightly higher quality base foam.
by froman118
Tue Apr 19, 2016 4:36 pm
Forum: Personal Consumer Issues
Topic: Toyota Tacoma owners?
Replies: 56
Views: 9303

Re: Toyota Tacoma owners?

I am planning to buy a 2016 Toyota Tacoma TRD Sport 4WD 6spd Manual with the tech package this year to replace my 2001 Toyota Celica. We have a 2.5 acre property now and a pickup would be very useful both at home and for getting to the less populated hiking trails in the PNW. Any tips on whether or...
by froman118
Fri Apr 15, 2016 2:13 pm
Forum: Personal Consumer Issues
Topic: Stub Hub High Fees - WOW
Replies: 29
Views: 15606

Re: Stub Hub High Fees - WOW

That's actually not too bad. Ticketmaster can charge $13 service charge per ticket + $7 order fee. Venue near me uses TicketWeb and service charge for a $22 show I want to go to is $12.
by froman118
Thu Apr 14, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Cooking Meat/Fish/Poultry Indoors?
Replies: 32
Views: 2751

Re: Cooking Meat/Fish/Poultry Indoors?

Maybe a good time to try out "sous vide" cooking for the beef and fish (think it is a no-go on poultry).
by froman118
Mon Mar 21, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Ethernet Wired Home - Advice
Replies: 24
Views: 2458

Re: Ethernet Wired Home - Advice

Anything that doesn't have to be moved around is a great candidate for being wired. Smart TV, Roku, Amazon Fire, PC, VOIP, printer, network storage, Playstation/Xbox. Depending on the size of your house it might make sense to install an additional wireless router for better indoor coverage. Wiring t...
by froman118
Fri Mar 11, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: What happened to COSTCO free shipping?
Replies: 8
Views: 20449

Re: What happened to COSTCO free shipping?

Depends on the item/category. Last month they shipped me a $7 box of hot chocolate packets for free.
by froman118
Tue Jan 26, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 58
Views: 7305

Re: Should I leave Ameriprise?

You're getting robbed. Move it to Vanguard and drop it in an appropriate Target Retirement fund. Depending what's available in the 401b you could try and get fancy and buy individual funds to minimize expenses. Your friend is costing you $1000+ per year.
by froman118
Tue Oct 20, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Why do people drink light beer ?
Replies: 84
Views: 9452

Re: Why do people drink light beer ?

sillysaver wrote:The worst imports seem to all be better than the mass-produced swill produced by American brewers (actually, isn't Bud actually owned by a foreign company now?).
Relevant financial news: Anheuser-Busch InBev Strikes $106 Billion Takeover Of Miller Lite Brewer SABMiller
by froman118
Mon Oct 05, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mint or other software
Replies: 26
Views: 3392

Re: Mint or other software

Been using Mint for the last 3-4 years and Yodlee MoneyCenter for a few years before that. It is an invaluable tool for keeping track of expenses and staying on target for our less fixed budgets. I have my wife use credit cards as much as possible so everything feeds in automatically and I just chec...
by froman118
Thu Sep 17, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Fair share of expenses for spouses?
Replies: 100
Views: 11514

Re: Fair share of expenses for spouses?

What would you do if one of you stopped working? Would the person no longer bringing in income have to get loans and go into credit card debt to cover their share? No, you would share the burden together under the same yoke. Why would you do it differently when times are good and income is healthy?
by froman118
Thu Sep 17, 2015 3:20 pm
Forum: Personal Consumer Issues
Topic: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?
Replies: 33
Views: 25221

Re: Considering Michelin Premier A/S tires for my Honda Accord. Any thoughts?

Pirelli and Continental have comparable tires for less money that are highly rated right along the Michelins: http://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=GTAS&sortValue=0&tireSearch=true&showwp=N&showdp=N&showws=N&showcm=N I have the Continental PureContacts on my Jetta and re...