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Buster65

Hi OP - congratulations on your new Subaru! I'd skip the extended warranty. My 9-year-old Subaru has 105K miles on it and is running strong. I've had two out-of-warranty repairs: at ~40K miles, a broken sunroof track (which was fixed for free); and at ~103K miles, replacement of control arm bushing...

Buster65

The dealer offered me an extended warranty, tire warranty, key warranty, a ceramic coating option and glass protection. All of this adds up and I've never been a big fan of extended warranties. The guy at the dealer said that everything is so computerized with this car that I should consider it. I g...

Buster65

My late teens daughter spent 2017 summer travelling with a tour group of backpackers, mostly Australians and Brits all over the cheaper Far East (Vietnam, Thailand, Cambodia, Myanmar). She had a great time and I was not overly anxious because she was with a group of 18 to 30 year-olds. There are se...

Buster65

My son is 21 and graduating in May from college. He's planning on traveling to China, Japan, Taiwan and maybe South Korea. He's planning to travel solo with a backpack and I assume hoping to stay at hostels. Does anybody have any advice or tips for such an adventure?

Buster65

My wife and I are newly empty nesters. We want to go to Israel and would like a tour but want to go with people generally our age (50's) for 10-13 days with reputable company that somebody could recommend. Thanks!

Buster65

Thanks all. Will check out TaxAct Pro

Buster65

I personally can drive any car within reason.....(i.e. $100,000 Mercedes or BMW) and truthfully it will not change my life one bit. I've owned two Audi's, an MDX and several Honda's over the years. I sold my A6 back in 2005 and replaced it with a Honda CR-V and for three straight years I was all smi...

Buster65

I'm not a tax accountant but I am a CPS so I want something a little more professional than Turbotax. I like seeing the tax forms as information is entered into tax software. Does anybody have any suggestion for tax software? I will use this for myself and perhaps 5-10 other returns I do for friends...

Buster65

I was thinking of buying a Certified pre owed vehicle from one of the "luxury" german manufacturers. My local mechanic says owning these cars after their warranty can be costly. He says stick with Japanese brands. I'm wondering if this is a dated school of thought of if this still holds true today?

Buster65

I'd like to go to the National Parks this Spring or early Summer. I'd like to see Yellowstone, Yosemite, Zion, Bryce, Grand Canyons, etc. I'm wondering if others have gone with specific tours that they could recommend? Perhaps its best to go it alone? Any suggestions for trips to see US National Par...

Buster65

Salomon just announced a breakthrough binding that is supposed to revolutionize the uphill ski movement. Any AT enthusiasts that will get this binding?
I was going to get the Marker Kingpin but now am thinking of holding out.

https://www.youtube.com/watch?v=4wLq9sWFnh8

Buster65

I'm wondering if any bogleheads dabble in crypto currency? I'm interested in understanding how you went about it, what exchanges you're on and what currency's you own.

Buster65

Just looking to do some Landscape photography. Not really video so much

Buster65

Looking for a camera drone. I've never owned a drone. Want one that isn't too hard to fly...any suggestions?

Buster65

2018 is a big year as my firm will be shutting its doors. I reached my financial goals during 2017 which was to have $7M in investable assets ($5.5M in personal accounts) and $1.5M in 401K funds). Now I have to actually figure out Act II. I have a lot of thoughts and dreams now I have to take action...

Buster65

I've got an iPhone 6 and its acting up since the new iOS came out in advance of the iPhone 8 and X. I was just wondering if Android phones generally last longer. I'm not talking about the physical makeup of the phone so much I'm more focused on the constant software updates that cause them to slow d...

Buster65

I am kind of new to boating and am thinking of getting a catamaran because motor boats are too expensive on gas and sail boats are fun but I prefer a more stable boat with larger cabin underneath and wide berth. Any experience by any of my fellow Boggleheads with Catamaran's and can any of you sugge...

Buster65

I recently purchased a new Apple watch and on the 14th day (just in time) I returned it to Apple. I might be missing the point of this device or other smartwatches but it didn't fill a need that I thought it would. I embrace technology especially when it makes life easier and to me that is priceless...

Buster65

Thanks that article was interesting. Still interested in bone conduction headphones though

Buster65

Hello I have a really hard time finding ear buds that stay in my ear. The Apple ear buds don't stay in at all. I recently tried the Bose wireless ear buds and they stay in but I didn't love the thickness of the piece that sticks out from the ear. Jaybirds didn't sound good and slipped off easily. Re...

Buster65

I'm looking for a tax accountant for my individual return. My accountant has gone up in price and I've simplified my affairs so that my tax work shouldn't cost $2,000 per year for Federal and State filing. Any suggestions I live in NY Metropolitan Area but could work remotely with anybody I suppose.

Buster65

Hello I have about a year before I will be selling back my Audi A3 TDI to VW/Audi due to emissions scandal. I'm seriously considering an EV option and will look at Tesla Model 3 ( deposit made), the 2018 Leaf and the GM Bolt. I'd like to hear what Bogleheads think about EV's and if they think now is...

Buster65

Does anybody have any experience with purchasing a used Tesla? I'd also like to hear from Tesla owners. Pros and cons of their car.

Buster65

My mother owns a home that is probably worth at least $100,000 less than what she paid. She uses the home but the homes in the area are very depressed and hardly sell. She bought for $325K and owes the bank about $200K which is what the house might sell for. Is it a bad ideas to sell some equities t...

Buster65

I have piles of hard cover and some paperback books from the last decade or so. Many are finance related but not all. Is their a way to ship them all to Amazon and have them sell for me? Seems like listing them one by one and selling them will not be worth the effort and mostly the profit gets offse...

Buster65

SONY RX 100 IV gets rave reviews! But its $1,000. Thinking about picking one up myself

Buster65

Much appreciate all of the thoughtful suggestions and input.

Buster65

My firm is closing its doors and I will be going part time from July 2017 through July 2018. At that point I will be early 50's and am considering only working part time or as a consultant when interesting work comes up. Can we live off of what we have and not touch our principal for the next 40-50 ...

Buster65

Does anybody know anything about AARP Plan F or Plan N? My father in law is in rehab and his secondary insurance (Empire) doesn't cover the 20% of the rehab that medicare will not cover. It's about $169 a day for the next 100 days. Plan F would be $558 per month, Plan N would be $364. The key is eit...

Buster65

I was thinking about adding a 5% position to commodities through ETF. Was looking at DJP or even better DJCI (lower expense ratio). Its been dead money and pays no dividend but could be a good non correlated to equity's holding if the market goes down. Thoughts on this?

Buster65

I am looking for a long /short fund to complement my portfolio. I'd prefer to not invest in traditional hedge fund or FOF with K-1. Any suggestions?

Buster65

Hypothetical round # investor has $5M of investments with $4M being in a taxable account and $1M being in a 401K / IRA. Vanguard seems to think that the allocation should be roughly 50% equities and 50% bonds given my risk profile but the entire 401K / IRA should be in bonds because you want to hold...

Buster65

I noticed that many car manufacturers (i.e. Lexus, VW, Infinity) use turbo or twin turbo engines. I also noticed Subaru uses a straight boxer engine, and Honda accords are not turbo engines. That got me thinking that maybe that is the reason these cars tend to make it to 100,000+ miles more often th...

Buster65

If your annoyed with Betterment (as I am) because you were paying 0.15% and now will be paying 0.25% (come June 1) than yes you should switch. I am contemplating the same.

Buster65

This is my experience: The "bad" (1) I owned a VW Passat and had to part with it because I would get condensation on the inside of the window that dealer wouldn't repair. (2) I bought a used Audi A6 and had it for 6 months before things started to go so I sold it. Not to mention I got about 15-18mpg...

Buster65

If I read this correctly you have about $2M. Using the 4% rule you can draw about $80,000 per year and not run out of money. Given the low interest rate environment I would use 3%. If you can save like crazy over the next 10 years and cut your expenses you might be in good shape. To draw down $120,0...

Buster65

I finally am at the last step and can now make an appointment with Audi to have my A3 TDI purchased back. I want to know how this transaction went for others? Any "catches" I should know about? Was the transaction as smooth as they make it seem it will be. Any con's to waiting until the end of the y...

Buster65

I have a small Audi Sedan (A3 TDI) and the Outback. All I can say is that I am so happy Audi / VW will be buying back my A3. My Outback is amazing....love this car. My auto mechanic was laughing when I bought an Audi and said it was going to cost me. While the car drives nice its prone to expensive ...

Buster65

WCI:

While its not official guidance I thought I read somewhere that its a good idea to let the fund sit in the traditional IRA a couple of months before you do the conversion to the Roth. I can't recall where I read this though.

Buster65

I have norrowed my car decision down to the Subaru Legacy. I'm tired of paying up for luxury brands (i.e Audi, BMW, Mercedes), I want AWD but the remaining question is should I get the 4 cylinder or the 6 cylinder engine. Any owners of this vehicle on the board with their thoughts on this?

Buster65

I am having a hard time finding any kind of money market account linked to my checking account that pays anything. The only thing I see is American Express pays 0.9%. Any suggestions?

Buster65

I have the bulk of my assets with Vanguard. I am contemplating opening a 2nd account to diversify and reap the benefits of getting another firms research and tools. I was thinking about either Fidelity or since I have an account with Chase maybe I would like a brokerage account to the existing accou...

Buster65

I like this question and as a 51 year old who definitely has the assets to retire I can sympathize with the question. Ironically I have a lot of outside interests but the fear of giving up the regular paycheck is definitely real. Any suggestions would be appreciated!

Buster65

I am looking at Google Photos and Amazon Prime Photos for cloud storage options. Does anybody have anything good or bad to say about either option? My pictures are generally 10mb or smaller and I don't need video back up. Thanks.

Buster65

I'd like to hear from some that are joining the class of 2016. I'd like to know how old they are, where they live, rough estimate of accumulated assets and what they plan on doing in retirement. Congrats in advance!

Buster65

I've been skiing for years. Recently I've thought maybe I would enjoy a new discipline so I am thinking of taking up telemark skiing. Plus it will allow me to skin up mountains since my heel will be free. I went into the local ski shop and they said they are phasing out tele equipment since AT is al...

Buster65

I have been reading on my Kindle or phone or iPad and am starting to crave real paper. I am wondering what Boggleheads do for books. Real or digital...what are the pros and cons. Why do you like one over the other?

Buster65

I have switched back to a PC from a Mac where I was a iPhoto user but never liked the way the pictures were organized on the back end. I prefer the logical folders to Window's on a PC. I do most of my editing on my tablet so really am focused on storage and lite computer based editing. I am curious ...

Buster65

Years ago I used Quicken to track spending. I haven't used it for years but am very familiar with Quickbooks. I'm wondering if this is still the best option for expense tracking. I have to think that their are better options than excel spreadsheets.

Buster65

I have well over 100 CD's with the original case all in good condition. All of the music I listen to is digital now. Should I donate these to a library, sell to some record store or toss? Trying to do some uncluttering.

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