Search found 260 matches

by abonder
Sun Aug 30, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: replacement car key and fob
Replies: 23
Views: 1517

Re: replacement car key and fob

I had a similar dilemma with a 2011 VW. I think there are some differences between models and what exactly needs to be done, but that can be determined with some internet research. I found that there was a local independent person who performed the service - it was less than half of dealer quote and...
by abonder
Sun Jul 05, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: What’s important and what’s not?
Replies: 17
Views: 1784

Re: What’s important and what’s not?

Lots of good advice. I personally think that people who tend towards heavy analysis/optimization won’t be happy simply ignoring that instinct. Rather, I think it makes sense to assess where and how your efforts are best directed. The cost of your time can be one part of the equation but shouldn’t be...
by abonder
Sat Apr 11, 2020 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Reason not to buy car at end of lease?
Replies: 28
Views: 2371

Re: Reason not to buy car at end of lease?

It sounds like the buyout is comparable or slightly below the market price. It’s a well rated, reliable car and you’re familiar with its maintenance history. The interest rate and term aren’t unreasonable to buy it out. With current economic uncertainty, I’d take the loan and hang on to my cash. If...
by abonder
Sat Jan 25, 2020 11:48 pm
Forum: Personal Consumer Issues
Topic: Tell me where I'm wrong -- leasing a new car to replace our high-miler
Replies: 42
Views: 4082

Re: Tell me where I'm wrong -- leasing a new car to replace our high-miler

I think that your calculations are likely on the optimistic side in terms of comparing the old RDX to the leased EV. That being said, there are some who will argue that a well-chosen lease can be relatively good value. You just have to be comfortable with the leasing process and limitations to leasi...
by abonder
Tue Jan 14, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Chicago 'special occasion' but not 'expense account' restaurant recommendations?
Replies: 54
Views: 3729

Re: Chicago 'special occasion' but not 'expense account' restaurant recommendations?

lightnoise wrote: Mon Jan 13, 2020 8:33 pm Piccolo Sogno for Italian

https://www.piccolosognorestaurant.com/
I second this recommendation. I recall it being tasty and fairly reasonable. The patio is wonderful if the weather permits.
by abonder
Fri Sep 20, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Looking at a new (used) car!
Replies: 15
Views: 1533

Re: Looking at a new (used) car!

Yes - the oil fuel dilution issues are with the 2017 and newer models with the 1.5 turbo engine. I don’t know the severity or risk of issues but it would give me pause. You can still buy the lowest (LX) trim with the non-turbo 2.4 Liter engine, but I believe then you forgo some of the safety feature...
by abonder
Sun Aug 25, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Another car affordability question, YOLO vs. extreme FI
Replies: 64
Views: 3976

Re: Another car affordability question, YOLO vs. extreme FI

First of all - I love livesoft response. Such a parental view...do the wrong thing and learn accordingly. I’m going to join in the “get a GTI” camp. You can probably get a new GTI S manual for low 20s new with 6 year warranty. Is it the R? No, but it’s an awesome hot hatch that still delivers an nea...
by abonder
Sun Jul 07, 2019 12:13 am
Forum: Personal Investments
Topic: Request Review of Retirement Readiness
Replies: 13
Views: 1774

Re: Request Review of Retirement Readiness

I’m not a pension vs. lump sum expert, but I would start by seeing what you would get monthly if you took the lump sum and purchased a SPIA. At least it will give you a sense of the pension value vs. the lump sum....doesn’t give you an answer, just part of the puzzle. Do you have any information abo...
by abonder
Sat Jul 06, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Time for a new car - Corolla or Civic...
Replies: 106
Views: 12344

Re: Time for a new car - Corolla or Civic...

The 2020 corolla is a redesign the utilizes the TNGA platform. Essentially should be a major improvement from earlier corolla and reliability should be good due to it being an established platform. I think the civic is clearly the more engaging of the two choices. Although it is not a fresh redesign...
by abonder
Wed Jul 03, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Hitting Critical Mass and then dealing with those feelings of Surreal
Replies: 51
Views: 7221

Re: Hitting Critical Mass and then dealing with those feelings of Surreal

I've got a large enough portfolio that I was down $100k in two days in the February 2018 VIX-tantrum, and am up or down $15k pretty much weekly, so the depression is real. You see so many posts here that make Bogleheads looks like Zen Masters who never experience the slightest concern about their p...
by abonder
Fri Jun 28, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: [my] real world vehicle TCO (total cost of ownership)
Replies: 9
Views: 1331

Re: [my] real world vehicle TCO (total cost of ownership)

Thanks for the thorough breakdown of your experience. I agree that a well-bought new car CAN be competitive with a used car. I think you can still do better from a cost perspective with a well-bought used model, but it requires research and planning (and choosing a car with a depreciation curve that...
by abonder
Tue Jun 18, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Help with car decision
Replies: 31
Views: 2318

Re: Help with car decision

A 2014 accord is an incredibly useful vehicle. In my opinion, more useful than other suggestions like Honda Fit or crosstrek (despite the fact that I love the utility of hatchbacks). The accord is reliable, comfortable, and built to a better finish than the other suggested cars. I think it would be ...
by abonder
Thu Jun 13, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Buy Mini-Van Tomorrow or No?
Replies: 59
Views: 4044

Re: Buy Mini-Van Tomorrow or No?

Agree with posters who are overall pro minivan. But I wouldn’t rush into this deal. I agree that price may not be that good (depending upon model and condition). In general, the Pacifica takes a beating on depreciation and you can get really good deals on new models too. Take your time, do more rese...
by abonder
Fri May 24, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Prius Prime plug in
Replies: 22
Views: 2416

Re: Prius Prime plug in

Can’t speak to the virtues of the Prius prime but I would make one point. Don’t do a dealer installed sun roof. I would view getting a car without a sun roof as a blessing. One less thing to deal with that can break/leak. In some car circles, models that have the “sunroof delete” option are consider...
by abonder
Wed May 08, 2019 12:22 am
Forum: Personal Consumer Issues
Topic: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook
Replies: 15
Views: 1259

Re: Ideas for Inexpensive, Easy-to-Prepare Meals for First Time College-Age Student Cook

I’m still waiting for Livesoft to swoop in and ask why you have to be involved at all! Love that guy.
by abonder
Tue Apr 30, 2019 9:42 pm
Forum: Personal Investments
Topic: Backdoor Roth - Does It Make Sense? Other Thoughts?
Replies: 5
Views: 541

Re: Backdoor Roth - Does It Make Sense? Other Thoughts?

I’d do the Backdoor Roth, once you make sure that you don’t have any pretax IRAs That would complicate the process. Your aggressive loan repayment plan is awesome and I wouldn’t worry if it’s the perfect plan....it’s a good one and it will help preventing you from growing into that new big income al...
by abonder
Wed Apr 24, 2019 11:22 pm
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2104

Re: Car/Truck/SUV??

Maybe not the answer you wanted to hear but the most fiscally sound thing is to keep the current setup. You’ll take a major hit if you sell a 2016 sonata now as Hyundai’s take a big depreciation hit. Also, sedans are generally less popular than ever (dumb SUV craze) so I think unloading a reliable ...
by abonder
Wed Apr 24, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Dash cam without wires
Replies: 9
Views: 4653

Re: Dash cam without wires

You can get a “hardwire “ kit for the dash cam. You would use it to run power directly from the fuse box to the cam. You can hide the wires running from the fuse box to the camera in the trim along the pillar by the door and then under the edge of the roof. I did this myself recently and it takes ab...
by abonder
Wed Apr 24, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Car/Truck/SUV??
Replies: 25
Views: 2104

Re: Car/Truck/SUV??

Maybe not the answer you wanted to hear but the most fiscally sound thing is to keep the current setup. You’ll take a major hit if you sell a 2016 sonata now as Hyundai’s take a big depreciation hit. Also, sedans are generally less popular than ever (dumb SUV craze) so I think unloading a reliable a...
by abonder
Tue Apr 23, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Who is buying 1-3 year old used Toyotas and Hondas?
Replies: 114
Views: 13387

Re: Who is buying 1-3 year old used Toyotas and Hondas?

There’s been a lot Of good insights shared here. I think that, overall, the new vs used issue should be addressed by particular vehicle. The OP noted that he was thinking used for Mazda 3 vs more likely new for civic/corrola. I think that sounds about right although there certainly can be exceptions...
by abonder
Sat Apr 13, 2019 8:06 pm
Forum: Personal Consumer Issues
Topic: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...
Replies: 72
Views: 9402

Re: About to buy a 2019 Mazda CX-5. To turbo or not to turbo...

I have a good friend who was having her first baby and wanted some advice on a family vehicle. I went with her and her husband to a few places looking at suitable cars. Her requirements were a newer car with under 80k miles and under 20K. I had mentioned a Volvo, Subaru, Honda CRV or Pilot, and a f...
by abonder
Wed Apr 03, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 3227

Re: Anxiety about car/house purchase

I think it’s normal for large purchases to engender apprehension, even when the decision is sound and well researched. Part of getting more comfortable with this process is just doing it. You probably won’t be losing sleep over a used Audi in a few weeks. You’re in an incredibly good position for ne...
by abonder
Sat Mar 30, 2019 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Max % of gross pay on a car?
Replies: 22
Views: 1789

Re: Max % of gross pay on a car?

I’d but the GTI. It’s an incredibly reasonable sporty-yet-practical option. I think you get 90% of the BMW experience for a fraction of the price. Do a lot of reading on GTIs - you can get a good deal on a new one if you do your homework. Check forums where people post their out-the-door prices paid...
by abonder
Wed Mar 13, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Lemon or Just Getting Used to Having an Older Car???
Replies: 33
Views: 3127

Re: Lemon or Just Getting Used to Having an Older Car???

It doesn’t sound like a lemon, just parts failing as the vehicle gets older. I think that, in general keeping a car longer is a sound fiscal strategy, it might be a less sound strategy if you have an expensive, less reliable car. Some (not all) German luxury cars come to mind. Also, it generally hel...
by abonder
Mon Mar 04, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: brand new Sienna/Odyssey or gently used?
Replies: 40
Views: 3074

Re: brand new Sienna/Odyssey or gently used?

I know you said odyssey vs Sienna, but it could be worth considering Kia Sedona especially if going used. They depreciate significantly worse than the others, but according to consumer reports have reliability on par with the odyssey (but worse than sienna). The Sedona is not as good as the odyssey,...
by abonder
Mon Mar 04, 2019 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Can We afford second home ?
Replies: 17
Views: 2952

Re: Can We afford second home ?

I think we lack full information to help you assess. I’ll make a few quick points. You should decide if keeping your current home is a “good investment” - that is actually run the number. Many times the returns are not great when you consider residential real estate so you might be better off sellin...
by abonder
Sun Mar 03, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should we move
Replies: 24
Views: 2606

Re: Should we move

I don’t think that the fiscal issues are the primary issue here. It seems that you are responsible, attacked debt, and now are saving so you’re responsible with money. It sounds like even the more expensive option is roughly 2x income so that is quite reasonable overall. I think a shorter commute is...
by abonder
Sat Feb 23, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ring Shopping
Replies: 82
Views: 4802

Re: Ring Shopping

You’re getting a lot of reasonable advice but it all really comes down to preference. I do know friends who have very large (and expensive) rings who regret it now. They’re all of the means that it doesn’t actually impact their life in a meaningful way, but they have remarked on many occasional that...
by abonder
Tue Feb 19, 2019 2:27 am
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 15565

Re: How many bogleheads do you know in real life?

I think about this often. I actually identified two friends on this forum based on their posts and confirmed via PM. They posed questions with very specific details that I was familiar with and it was easy to put 2 and 2 together. It didn’t surprise me when I learned that they were Bogleheads as I h...
by abonder
Thu Feb 14, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 715

Re: Ongoing confusion about account types at Vanguard

Thank you for the link. That does help to clarify. I still find the process annoying and unnecessarily confusing. I guess I will have to do this for me, my wife, and the UGMA accounts. Is there anything else I need to know? Nobody has commented on why people seemed to be resisting this earlier?
by abonder
Thu Feb 14, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 715

Re: Ongoing confusion about account types at Vanguard

Thanks for the replies so far. I would like to make that conversion this year so that I can simplify taxes and documentation going forward (recognizing that 2019 will still be annoying). Is there any downside to ming this “upgrade?” In the past my impression is that some bogleheads were resistant to...
by abonder
Thu Feb 14, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Buying a 2019 RAV4 hybrid - how to pay for it?
Replies: 76
Views: 4796

Re: Buying a 2019 RAV4 hybrid - how to pay for it?

I would echo the sentiments that am even better fueling saving vehicle should be considered. Given that the primary concern is fuel economy. If you don’t absolutely need AWD and higher ground clearance, then get a loaded Prius or Camry hybrid for about 10 grand less than the rav4 and enjoy 50 mpg wh...
by abonder
Thu Feb 14, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Ongoing confusion about account types at Vanguard
Replies: 6
Views: 715

Ongoing confusion about account types at Vanguard

I know that this issue has been brought up multiple times and I have read many older threads regarding the issue, but I’m still confused regarding my account and why I appear to have both a regular account and a brokerage account. It used to be that I simply had one account and life was easy. Now I ...
by abonder
Sun Dec 16, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 140
Views: 12334

Re: Can I buy a Tesla?

Just wanted to update here since I got so many useful replies. I bought the fully loaded model 3 :sharebeer Good for you. Cars are an odd mix of (1) practical necessity and (2) aesthetic consumption item - so which of the two are we after here? If (1) it's a hard "No, get (e.g.) a 5-year old Camry....
by abonder
Wed Dec 12, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Buying used car
Replies: 36
Views: 2348

Re: Buying used car

Hard to tell you more without details. The most recent consumer reports rated 3 year old odyssey as above average reliability but less reliable than Toyota Sienna. Lots of threads on Bogleheads about the Honda Odyssey - including many threads on new vs. used. I think most people regard the odyssey a...
by abonder
Wed Dec 12, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Apple Store For Vets & Active Military
Replies: 9
Views: 1657

Re: Apple Store For Vets & Active Military

Can anyone explain to me the verification process? I’m just wondering how strict they are in enforcing. Seems like a rare opportunity to score 10 percent off normally full-price apple kit.
by abonder
Wed Nov 21, 2018 2:47 am
Forum: Personal Finance (Not Investing)
Topic: At a crossroad
Replies: 7
Views: 1841

Re: At a crossroad

Just a brief comment - I don’t think you’re making a mistake. Based on your solid savings and modest expenditures, you’ll be successful in almost any setting. Id go where you are happiest, both professionally and personally. That usually means some sort of compromise. Don’t beat yourself up over pot...
by abonder
Sat Nov 17, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: vacation in Maine, New Hampshire
Replies: 9
Views: 1140

Re: vacation in Maine, New Hampshire

I’ve only been to ranglely, Maine in the warmer months but I can attest to the fact that it’s a top snowmobile and winter sports destination. It’s a little further than the options mentioned in northern NH but not enough to make it undoable. It’s also at 1500 feet elevation and gets snow more reliab...
by abonder
Sun Nov 11, 2018 2:58 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 4557

Re: International Travel during Maternity/Paternity

I haven’t read all the replies but I’ve seen there is definitely some negative pushback regarding OP plan. I think it’s really up to OP and his family. For what it’s worth, I’ve known a number of friends who have done what OP describes, including one who did New Zealand with a toddler and nearly new...
by abonder
Sat Oct 06, 2018 3:29 pm
Forum: Personal Investments
Topic: Young investor looking for advice of current situation
Replies: 20
Views: 1900

Re: Young investor looking for advice of current situation

I think you’ve gotten a lot of good advice. I’d summarize your immediate needs /action steps as follows. 1. Dump the M3. It’s an awesome car but you have a more practical option and, honestly, you can’t afford to have two cars. Some have suggested dumping the Civic, but I personally would keep it si...
by abonder
Thu Sep 06, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Large Family Trip - Florida or Carribean
Replies: 24
Views: 2032

Re: Large Family Trip - Florida or Carribean

I think carribean/Mexico would be more reliable for swimming weather. Certain places have more affordable staffed villas. We’ve done this in Mexico and Jamaica. It really can be nice to have folks to cook and clean for you while you relax. We find our food bulls tend to be very modest and we spend n...
by abonder
Tue Aug 28, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Early retirement and withdrawal strategy for retirement accounts
Replies: 26
Views: 3605

Re: Early retirement and withdrawal strategy for retirement accounts

There have been a lot of good articles on drawdown strategies. In many ways, it’s a more complex concept than accumulation/savings. You have to decide what your goals and needs are. Do you have a pension at time of early retirement or later? Timing of anticipated social security? Would you want to m...
by abonder
Tue Aug 28, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 113
Views: 13633

Re: Mega Downsize....

Lots of good advice here. My view is that you should view impending move/simplification as an opportunity to clear out the waste. I’d say start right away and just chip away at it. Even 15 minutes per day is really useful. There’s a few things to keep in mind. One, the act of decluttering will make ...
by abonder
Tue Aug 21, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 12
Views: 1325

Re: Old Acura TL vs new Honda Accord

I have friends who have done the backup camera plus Apple CarPlay stereo upgrade combination. It can be 500 bucks well spent if it keeps you in your car longer and makes it safer/more enjoyable. Certainly cheaper than buying a new car!
by abonder
Thu Aug 16, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Old Acura TL vs new Honda Accord
Replies: 12
Views: 1325

Re: Old Acura TL vs new Honda Accord

It’s almost always a losing financial proposition to exchange a newish functioning car. Your loss would be somewhat tempered by the fact that you are dropping from entry level luxury to sedan, but you’ll still lose money. You always pay transaction costs (tax, licensing) and often higher insurance f...
by abonder
Thu Aug 02, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: weekender bag?
Replies: 30
Views: 3047

Re: weekender bag?

Define "reasonable price". I've been very happy with the quality of both Tom Bihn https://www.tombihn.com/ and Red Oxx https://www.redoxx.com/ . I would rather pay a little more up-front for a bag that will last a decade, than replace a bag every few years. No experience with Red Oxx but Tom Bihn i...
by abonder
Wed Aug 01, 2018 1:15 am
Forum: Personal Investments
Topic: Nervous about not using a personal wealth manager. How do I do this myself?
Replies: 135
Views: 7580

Re: Nervous about not using a personal wealth manager. How do I do this myself?

I’d say you’re already off to a good start. You have emergency find, some savings, and a plan. You don’t need to overthink it. Have you spent some time at Whitecoatinvestor.com? It’s geared for people in your position. I won’t offer any specifics other than two things: 1. There is no need to make a ...
by abonder
Tue Jul 31, 2018 12:29 pm
Forum: Personal Investments
Topic: Portfolio Review for New Retiree
Replies: 5
Views: 805

Re: Portfolio Review for New Retiree

You’ve got your costs covered by pensions/SS and a mid-7 figure savings, so I’d say congratulations are on order. I think you also have an appropriate asset allocation and a good plan to simplify holdings and reduce expense ratios as you roll over your 401k to IRA. You could further simplify with a ...
by abonder
Sun Jul 15, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Am I dreaming or is there a possibility: Retire at 45?
Replies: 7
Views: 1917

Re: Am I dreaming or is there a possibility: Retire at 45?

You can get a lot of great advice here...so much so that you might not need to consult an advisor. I would suggest posting in the recommended format so you can get detailed and structured feedback. As for the broader questions about early retirement - all I can say is that this is a great place to g...
by abonder
Sat Jul 14, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Moving Tip and Ideas?
Replies: 23
Views: 2010

Re: Moving Tip and Ideas?

will probably rent a storage unit for any unnecessary items. Don't store unnecessary items, get rid of them. Since you are moving to a smaller place, don't start with the things you have and then get rid of stuff. Start with the things you have and "go shopping" from them for what you actually need...