Search found 1188 matches

by htdrag11
Mon May 25, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: New Vehicle: Forester or Rav4 for boglehead couple
Replies: 61
Views: 3158

Re: New Vehicle: Forester or Rav4 for boglehead couple

My 2018 Subaru Outback's lease is due in August 2020, so I would not miss it. Things I like: - supports both Apple CarPlay and Android Auto (not Toyota) - great visibility - as an option, I went for the swiveling headlight when turning - decent speakers - drives ok, but not like a Mazda CX-5 - lots ...
by htdrag11
Sun May 24, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Does software play a role in choosing TV
Replies: 28
Views: 1314

Re: Does software play a role in choosing TV

+1. Have it for at least 5 years, including the current TV built-in.
by htdrag11
Sat May 23, 2020 5:59 pm
Forum: Personal Consumer Issues
Topic: Mobile scanner: Why not?
Replies: 16
Views: 1157

Re: Mobile scanner: Why not?

Why do you need a scanner? Load an app to your Android or iPhone if it's just a few pages.
by htdrag11
Sat May 23, 2020 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

I would suggest to visit Biggerpockets. They(buyers) seem to be aware of your profile, I have read some posts where they discuss strategies based on seller profile. Maybe looking to add a rental home. Research into your home as product you are trying to sell Check into what kind of options are poss...
by htdrag11
Fri May 22, 2020 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Attorney review is done. So water testing and inspection are next, then going through the town's inspection for a C.O. Meanwhile, we decided not to raise our bid on the house which we felt was a solid offer. Will end up renting for a year and continue to look due to limited inventory. On a separate ...
by htdrag11
Fri May 22, 2020 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

It it was 30% below I would not even respond. I would expect my realtor would not bring such an offer to me. One was about to offer on the same day but even lower than 11%. Our agent discouraged the offer which I concurred. Later I found out their parents lived just around our corner development (d...
by htdrag11
Wed May 20, 2020 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

- a house we were interested in relisted last week, but dropped its price by 2.6% While under attorney review, we put a bid for that house. Just for laughs, I did put down a bottom line number back in March what we would accept. It was 3% less than what we got. Was your offer by any chance 10% less...
by htdrag11
Wed May 20, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Afty wrote:
Wed May 20, 2020 1:50 am

Congratulations on closing the deal! I think you did just fine. Given that you received no other offers in 10 weeks, I don't think you could have done any better.
Thanks but the fat lady had not sung yet.
by htdrag11
Wed May 20, 2020 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Glad to see you came to an agreement. I suspect that you are either from NJ, LI, CT because of your comments on NYC. I would never trust Zillow. If you are from NJ, I would use the Open Public Record System to check comparable comps and taxes - you will need to change the dropdown menus but it is v...
by htdrag11
Wed May 20, 2020 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

My main point is that I often read of this "meeting halfway" thing. People only want to buy and sell at what they think is a fair price for them. It may have nothing to do with what you think is a fair price for you. There's a whole book on that topic, by an ex-hostage-negotiator, called "Never Spl...
by htdrag11
Tue May 19, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Well, I did not have the courage to ignore the lowballer. Shame on me! Anyway, after a long negotiating session over 6 days, we ended up coming down 6% from our listing price to close the deal. Several factors in place (my justification or CYA): - very few showings during the listing period of 10 we...
by htdrag11
Sat May 16, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

I light have missed it, but why do you want to move? Clarifying what your objective is in the grander scheme can help you figure out what your number is. Is the sale of this home unlocking the possibility of something else? Good question. Our idea is that when we get older, climbing stairs or going...
by htdrag11
Sat May 16, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Just a general suggestion. Let the potential buyers know you want them to have this house for their growing family and let them know you want to work with them to the best of your ability and needs to come up with a solution that will provide them with the excellent schools and neighborhood (I assu...
by htdrag11
Sat May 16, 2020 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

This is what I was thinking. If I really wanted to make the sale, I would meet the buyer half way. I might not go lower than that if I didn t have a planned downsize available. You read my mind. Despite all the doom and gloom, there are very few houses for sale in our vicinity. Another interesting ...
by htdrag11
Fri May 15, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

OP here. More updates after talking with our realtor. Our house is over $500k. The prospective buyers will do a major remodeling of changing the roof line and updating the kitchen (surprise?). They are talking about $150k which is reasonable considering the effort and size. Sadly, the other couple d...
by htdrag11
Fri May 15, 2020 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Well, we'll talk to our realtor after lunch, not in a hurry despite the lockdown.
by htdrag11
Fri May 15, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Livesoft, I always value your views. Our neighbor across the street bought the house under foreclosure in 2017 for about 5% less than our asking price which we and our realtor thought was very competitive on a square foot basis, and year of built in the area. Also, for whatever reason, our neighbor ...
by htdrag11
Fri May 15, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Make your best offer and include any limitations to inspection repairs you consider reasonable. Alternatively, in our area, many have a handyman inspect and make repairs before listing. Common things are stuck windows, doors that do not close completely, drywall cracks and plumbing/electrical/roofi...
by htdrag11
Fri May 15, 2020 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Lots of good advice here. I let it sit overnight and will call our realtor today. Additional facts and factors - we own the house so there is no issue of having a mortgage or problem of negative equity. - There are very few houses on sales due to the virus. This is not helping us or the buyers since...
by htdrag11
Thu May 14, 2020 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

With 20+ Million suddenly unemployed, and many millions more in economic distress, I think this is definitely a buyers market. Meaning, your buyers have more houses to choose from, and you're unlikely to find other, better offers. How many equivalent homes are in the area that the buyers could alte...
by htdrag11
Thu May 14, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

Afty wrote:
Thu May 14, 2020 8:18 pm
Did I read your post correctly that they offered 10% of your asking price?! If that’s the case, I don’t see much point in negotiating. That seems like a bad faith offer IMO.
No. They offered around 89% of the asking price.
by htdrag11
Thu May 14, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

I'd certainly negotiate and try to move this towards a deal. Part of what you may want to negotiate/stipulate is the house is being sold as-is. So in exchange for you accepting a lower sale price, it would be a pass/fail inspection with no opportunity to ask for more money off because of what they ...
by htdrag11
Thu May 14, 2020 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Re: Selling home - low ball negotiation

We got the offer about 30 minutes ago, so I will talk to our agent in the morning. Our house is about 30 years old. Things we would like to fix if staying: - replaced our 20-year old Trx deck (still fine but showing age) - MBR, everyone likes the new stuff but this is the original with a HUGE jacuzz...
by htdrag11
Thu May 14, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12062

Selling home - low ball negotiation

We've put our house just up about 10 days before the lockdown. There was about an average showing of one visit per day from unique buyer. With the lockdown, there were very few. So after 2 months of listing (about 8-9 weeks of lockdown), we've got our 1st offer. As some of you who are familiar with ...
by htdrag11
Fri Mar 27, 2020 8:26 am
Forum: Investing - Theory, News & General
Topic: [NY Times:] I Became a Disciplined Investor Over 40 Years. The Virus Broke Me In 40 Days.
Replies: 56
Views: 9951

Re: I Became a Disciplined Investor Over 40 Years. The Virus Broke Me In 40 Days.

We're all human.

"This week I described my recent investing struggles to Frank Murtha, a managing partner of the consulting firm MarketPysch and an expert in behavioral finance. He said nothing I told him was unusual, even among seasoned investors."
by htdrag11
Sat Feb 15, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Average duration of securing a home mortgage
Replies: 14
Views: 1137

Re: Average duration of securing a home mortgage

Contract was revised. It would be essentially be closed within 90 calendar days, assuming the buyer's house is sold within 60 days, at slightly below market value per Zillow's estimate. So it appears that the buyer is sincere. BIL's house will be sold as is at 10% below the listing price. There is a...
by htdrag11
Tue Feb 11, 2020 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Average duration of securing a home mortgage
Replies: 14
Views: 1137

Re: Average duration of securing a home mortgage

Spring is here since January due to the warm weather in this part of the county. All the "business" days were crossed out in the contract. The financial term was changed from 110 business days to 90 calendar days. Actually the buyer has just gotten a pre-approved mortgage. They are renovating their ...
by htdrag11
Mon Feb 10, 2020 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Average duration of securing a home mortgage
Replies: 14
Views: 1137

Re: Average duration of securing a home mortgage

Thanks for the replies. To add more more background info, the offer came from a broker who also works for BIL's listing agent/owner, both living a bout 2 miles away and well aware of the local market. The price is about 10% off from the listing. The buyer is planning to relocate his mother from far ...
by htdrag11
Mon Feb 10, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Average duration of securing a home mortgage
Replies: 14
Views: 1137

Average duration of securing a home mortgage

Brother-in-Law (BIL) is selling the house. He got his first offer after listed 90 days with a financial contingency on Commitment Date as follow: 110 Business Days after Acceptance Is that normal? The loan is considered a non-jumbo mortgage (under $510k). My calculation is that it's roughly equivale...
by htdrag11
Sat Feb 08, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 62
Views: 8529

Re: Netflix - New Way Of Throttling [DVDs]?

I'm still so letdown that they turned their backs on 4K blu-rays, and never adopted them. For me, quality > convenience. And without adopting 4K blu-rays, eventually everyone will decide the quality of what's available via streaming is better since 4K streaming is out now. Now in my own personal si...
by htdrag11
Fri Dec 13, 2019 4:00 pm
Forum: Personal Investments
Topic: Vanguard said no to Recharacterization
Replies: 13
Views: 1769

Re: Vanguard said no to Recharacterization

Had a business about 15 years ago. Only got audited once by the state over used tax on a refurb computer for less than $40, taxes and penalties.

I've reached a crossroad.
by htdrag11
Fri Dec 13, 2019 8:38 am
Forum: Personal Investments
Topic: Vanguard said no to Recharacterization
Replies: 13
Views: 1769

Re: Vanguard said no to Recharacterization

I'll be interested to hear his reply that I got from Vanguard. Going back to the original conversation with my CPA which I never mentioned, just to keep things focus. I was asking him about opening a DAF as a deduction to reduce my taxes. Instead, he suggested that there should be a 60-days window f...
by htdrag11
Thu Dec 12, 2019 8:47 pm
Forum: Personal Investments
Topic: Vanguard said no to Recharacterization
Replies: 13
Views: 1769

Re: Vanguard said no to Recharacterization

Vanguard 1 - CPA 0.
Thank you all.
by htdrag11
Thu Dec 12, 2019 8:05 pm
Forum: Personal Investments
Topic: Vanguard said no to Recharacterization
Replies: 13
Views: 1769

Vanguard said no to Recharacterization

Earlier today I spoke with my CPA who suggested that I should reverse my $35k that I rolled over from T-IRA to Roth on the 2nd of December. Late in the afternoon, called my Vanguard rep who said that due to the 2017 tax changes, this is no longer available or in effect. Who is right? If it's the lat...
by htdrag11
Mon Dec 09, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207307

Re: [What TV Show Have You Recently Watched?]

I watched Jack Ryan Season 2 and definitely chuckled when the PhD in economics recommended index funds. I thought the season was okay. I think a lot of times they make the plot too convoluted or complicated to seem smart but it is just a distraction. The idea that a small group of US military/CIA g...
by htdrag11
Fri Sep 13, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: The Best Financial Advice I Ever Got
Replies: 8
Views: 3408

The Best Financial Advice I Ever Got

In case you miss this WSJ article that also mention Rick Ferri about "Don’t trust people who ask for money upfront". Enjoy. Personally I like the first one since we did live on one income and still able to save, kind of like Living Below Our Means. https://www.wsj.com/articles/the-best-financial-adv...
by htdrag11
Mon Sep 02, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Subaru Outback issue
Replies: 38
Views: 4119

Re: Subaru Outback issue

BIL bought a WRX turbo 2013(?). It lasted about 70k miles and the dealer replaced the CVT. At 200k miles, it was junked (too much fun with turbo). He advised me to stay away from CVT. Through out the ownership, oil was over consumed. My 2018 Outback with CVT was leased. With 19k miles, the eventful ...
by htdrag11
Mon Aug 12, 2019 12:02 pm
Forum: Non-US Investing
Topic: Personal Investment Policy Statement - please review
Replies: 12
Views: 1022

Re: Personal Investment Policy Statement - please review

No red flags. Just 2 comments about re-balancing and monitoring frequency. :happy
by htdrag11
Tue Jul 09, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Job Search (Attorneys)
Replies: 12
Views: 1775

Re: Advice for Job Search (Attorneys)

My volunteering work is in helping folks in transition, especially the 45+ but occasionally we do have newly graduated college kids showing up. Anyway, recently an attorney in corporate litigation was let go by his firm since he was not a partner, being the oldest and also was the highest paid. He h...
by htdrag11
Sat Jun 08, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Advice
Replies: 46
Views: 3818

Re: Refrigerator Advice

Broken link on Fortune. MIL's 20 plus year GE fridge's ice was not defrosting. She would like to have a new one. Short story, replaced the defrost heater assembly (plug-and-play) using cheap parts for $25, by following instructions on YouTube. https://www.amazon.com/gp/product/B00BGY4A6Y/ref=ppx_yo_...
by htdrag11
Fri Mar 29, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207307

Re: [What TV Show Have You Recently Watched?]

Secret City from Aussie on Netflix. Season 1 and 2 each has 6 episodes. If you enjoy BBC's The Hour, it's similar about a country caught between us and Russia vs. China. Language is colorful.

https://www.imdb.com/title/tt4976512/
by htdrag11
Wed Mar 27, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: My wife's 2016 Mazda CX-5 lease is up. Now what?
Replies: 37
Views: 3213

Re: My wife's 2016 Mazda CX-5 lease is up. Now what?

As a Mazda owner of 6 vehicles (including the first year anemic CX-5), forget about the Toyota. The 2019 CX-5 Grand Touring starts around $30k; heated and ventilated seats, as well as Android Auto and Apple CarPlay will be at $32k. AWD would be more. We Bogleheads are different from the crowd, why s...
by htdrag11
Wed Mar 20, 2019 7:53 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 7118

Re: A 23% increase from ATT Wireless

There's something missing here. It almost sounds like your plan changed, but the Mobile Share Value plans haven't been available for a long time (those already on them can keep them), and since the data is capped, HD streaming is included (it costs extra on unlimited plans). I've been on the same M...
by htdrag11
Wed Mar 20, 2019 6:52 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 7118

Re: A 23% increase from ATT Wireless

All 3 Android phones are unlocked.
by htdrag11
Wed Mar 20, 2019 6:33 pm
Forum: Personal Consumer Issues
Topic: A 23% increase from ATT Wireless
Replies: 84
Views: 7118

A 23% increase from ATT Wireless

We have 3 lines with 10GB data and all our phones were bought. Got a nasty surprise today that out bill will increase by 23% next month due to "Mobile Share Value" for streaming HD video, so we have a little time to shop. The obvious one would be T-Mobile since both carrier use GSM. T-M is running a...
by htdrag11
Thu Mar 07, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6730

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

dustinst22 wrote:
Wed Mar 06, 2019 8:10 pm


Yes, the new Rav4 hybrid in particular looks solid. Apparently 39 MPG.
The RAV4 and Forester both used CVT, as well as Honda and Nissan, but not the Mazda.
by htdrag11
Tue Mar 05, 2019 10:23 pm
Forum: Personal Consumer Issues
Topic: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL
Replies: 69
Views: 6730

Re: 2019 Mazda CX-5 Grand Touring or Honda CR-V EXL

I'm onto my 6th Mazda (the 5th was totalled): 626 GLC 3 CX-5 2.0 Mazda3 2.0 Mazda3 2.5 I also had 3 Honda/Acura Accord Integra Legend Mazda is for drivers while Honda/Acura are boring (except my 5-speed Integra 1990) but more durable. I test drove both the 2017 CR-V, as well as the 2018 Civic Hatchb...
by htdrag11
Fri Mar 01, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 33
Views: 15222

Re: What is a lemon? 2018 Outback Infotainment issues

Do all 2018 Subaru Outbacks have this problem, or is it a quality control issue? I've been considering a Forester for my next car, and this has me a bit concerned. Bought my 2018 Outback Touring in October of 2017 and have had minimal problems with the infotainment system. I do think the Android Au...
by htdrag11
Thu Feb 28, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1907
Views: 207307

Re: [What TV Show Have You Recently Watched?]

Finished 2 series in 2 weeks. Korean drama Stranger/Secrets of Forest by Bae Doona is an intelligent and fast paced crime/corruption series featuring a prosecutor and a female cop in a male dominant profession. It's one of the best I've seen in this genre. Season 2 starts later in the year. https://...
by htdrag11
Thu Feb 28, 2019 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: When were you convinced that you had more than enough money?
Replies: 117
Views: 12903

Re: When were you convinced that you had more than enough money?

When we got through the first year of retirement and our checking account balance was about the same at the end of the year as it had been at the beginning of the year. That worked for us, as well as confirmation from using the tool Firecalc. We still live below our means, out of habits. Both of us...