Search found 153 matches

by abonder
Fri Oct 06, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Married filing single
Replies: 2
Views: 375

Re: Married filing single

I really can’t speak to the implications of MFS. Not your question, but there are lots of ways to get around the pro-rata issue. Do you have a current 401k that allows incoming rollovers. If it’s a decent plan with options and fees that work for you, then this is probably easiest way to “hide” a pre...
by abonder
Sat Sep 30, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3975

Re: I bought a car without thinking too much about value

I think you're overthinking this. It sounds like you drove your last vehicle into the ground. A Prius, which you negotiated for a seemingly good price, is an admirable choice. Excellent fuel efficiency, highly reliable, should run for 10 plus years with no major issues. I might see if you can get ou...
by abonder
Wed Sep 27, 2017 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Re: Merchant Dispute/Chargeback, now sent to collection agency

One other thing I meant to mention. I have a letter from CC company last month that states that the “merchant has accepted our pre-arbitration case; therefore, the credit adjustment in the above amount posted to your account on 6/6/2017 will remain.” To me this seems like a clear acceptance of charg...
by abonder
Wed Sep 27, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks nutmeg. That reinforces my decision to: 1. Send letter to disputing charge with collection agency 2. First work with my credit card company to see if there are any protections on my behalf or steps I can take with their assistance 3. If that fails, work with original vendor directly to try an...
by abonder
Wed Sep 27, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks TJSI, That’s two votes for working with my credit card company. Sounds like I ought to start there. Is there any downside to send back a certified letter disputing the claim to the debt collection agency? By disputing it, I’m not admitting to any culpability or waiving any rights, correct? Th...
by abonder
Wed Sep 27, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thank you, student. I started looking at that link but got a little overwhelmed. I’m sure it’s a wealth of resources but I’m unsure if I am willling to join a new group and become acclimated. I may try to elicit some more Bogleheads feedback before I venture down that path, but I appreciate learning...
by abonder
Wed Sep 27, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Re: Merchant Dispute/Chargeback, now sent to collection agency

Thanks RM. I really hadn’t thought about seeing if my Cc company could play a role. I read somewhere that they have the right to deny payment to a merchant but that that doesn’t preclude the merchant from independently trying to collect. Much of my frustration stems from the fact that we wanted to r...
by abonder
Wed Sep 27, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Merchant Dispute/Chargeback, now sent to collection agency
Replies: 11
Views: 987

Merchant Dispute/Chargeback, now sent to collection agency

I’ve done a little searching on the internet in regards to a situation I’m having, but I wanted to solicit the judicious minds who frequent this site. Sorry this is a little long winded. We employed the services of a National exterminator service when we were concerned about an infestation in our ho...
by abonder
Sat Sep 09, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 3824

Re: Couple in early 30s, any changes?

There's a lot debate around the "which assets go preferentially in tax-protected." White coat investor had a provocative post arguing for bonds in taxable. One thing that is worth considering is a low-cost, high-quality municipal bond fund for any bonds you do have in taxable. The Vanguard intermedi...
by abonder
Mon Aug 28, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: After market rear view (backup) cameras.
Replies: 19
Views: 1929

Re: After market rear view (backup) cameras.

I've gone down this thought process many time and I always conclude that it's just not worth the cost. I presume my next vehicle will be outfitted with backup camera. Another option would be an aftermarket camera not integrated into the head unit - either with a screen attached to the dash or one wh...
by abonder
Sat Aug 19, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Non-Retirement Portfolio Help
Replies: 13
Views: 1306

Re: Seeking Non-Retirement Portfolio Help

You'll get more feedback if you post along the suggested algorithm (although most of the info has been provided now). A few quick points/questions. 1. Do you have tax-advantaged accounts like 401k, 403b, Roth IRA? If so, it would be useful to account for those investments in your overall asset alloc...
by abonder
Fri Aug 11, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 3100

Re: Should I Buy a New Car?

Thanks for the follow-up. It sounds like the points raised actually helped you move towards a solution. Sometimes these "should I buy x?" Threads can be frustrating if the poster is simply looking for validation and is not truly open to any differing opinions or insights. Of course, you'll always ge...
by abonder
Wed Jul 26, 2017 11:50 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback with 3 car seats vs. other car/suv options
Replies: 75
Views: 5096

Re: 2018 Subaru Outback with 3 car seats vs. other car/suv options

I like this thread and the diversity of opinions. I think three options from your "final" lost stand out for me. I agree with the posters who point out that it is possible to get three car seats across the back seat of many different vehicle, but I do think that there are vehicles that make it easie...
by abonder
Thu Jul 13, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord: Who's Best?
Replies: 46
Views: 5297

Re: Cutting the Cord: Who's Best?

Tivo plus OTA antenna can be a nice combo. Gives you DVR and channel guide capabilities. Makes the transition from cable less drastic, presuming you get OTA programming. It has app interfaces (Hulu, etc) but less good than roku, fire, etc. Sometimes there are really good sales on TIVO plus lifetime ...
by abonder
Mon Jun 12, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Switch Companies?
Replies: 28
Views: 2900

Re: Should I Switch Companies?

Thanks for the update. It's incredibly satisfying to reread an old thread snd then get to hear the outcome/developments. Thanks again.
by abonder
Sat Jun 10, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2866

Re: Naming boat

Gotta go with Livesoft on this one. Brilliant.

Personal favorite that I've ever seen (no financial pun) was "man over broad" - I had to check twice to make sure I was reading it correctly. This is a fun thread.
by abonder
Mon May 29, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 55
Views: 7310

Re: Career Issue -- How do I recover?

Thanks for updating us. Your follow-up is incredibly honest and sincere and was probably not easy to share. It's wonderful to hear that you're in a better place now despite the challenging road to get there. It's also amazing to her your humility and modesty. I hope the new position brings you succe...
by abonder
Mon May 29, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund portfolio with munis
Replies: 4
Views: 691

Re: 3 fund portfolio with munis

I think the proposed portfolio is very reasonable. You need to determine if it's worth it to do muni bond fund B's regular bind fund. This decision is generally driven by your tax situation. The prior poster mentioned this as well. Generally, Muni funds make sense in the 28 percent bracket and above...
by abonder
Sun May 21, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Sell 2015 Subaru or Keep?
Replies: 71
Views: 6509

Re: Sell 2015 Subaru or Keep?

I agree with the replies so far to keep the car as long as it's not too much of a burden. In buying and selling automobiles, there's a large transactional cost so it's (generally) better to keep your vehicle and use it for as long as possible. Sure, spending 36k on a fully-optioned outback isn't the...
by abonder
Fri Apr 28, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1998

Re: Need a car for 9-12 months

I am a little.confused. Is there a reason you can't continue to use current vehicle. Your mileage needs are pretty minimal (200 miles/week) and you have a relatively short time frame. If your current vehicle needs a lot of work, then it might make sense to change things up. But if you think your car...
by abonder
Mon Apr 24, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Plan
Replies: 14
Views: 1630

Re: Help with Retirement Plan

You pose a number of excellent and complex questions. Each question is the topic of countless extended threads in this forum. 1. Money needed in next 5-7 years needs to be safe (essentially no risk of loss of principle) - high-income savings account, CDs, treasuries, etc 2. Many Bogleheads via socia...
by abonder
Mon Apr 24, 2017 3:15 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 38
Views: 4018

Re: Best vacuum cleaner for pet hair?

Another plug for Miele. Only recently acquired but the combination of suction, compact design, functional layout is amazing. I bought from a local vacuum specialist. Amazingly, the price was significantly lower than anything I found online and the proprietor helped me pick out the model which was ri...
by abonder
Sat Apr 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Time savers - life on automation
Replies: 57
Views: 8119

Re: Time savers - life on automation

Our zojirushi handles brown rice well but the cook time is significantly longer...more like 1.5-2 hours for several cups vs. half the time for white rice. But it cooks the rice consistently and has worked flawlessly for several years. Definitely a big step up from our prior rice maker.
by abonder
Fri Apr 21, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4142

Re: Car Choices

As a reference in case you end up going the Acoord route. I helped my in-laws get a 2017 Honda Accord EX with automatic transmission and Honda Sensing package out-the-door for 26,200 (including all fees at 8.5 percent sales tax). There's lots of forums where people share pricing. Once he has his des...
by abonder
Fri Apr 21, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4142

Re: Car Choices

If reliability/durability is the primary concern then I'd rule out the Jetta. Mazda has good (maybe not the best) reliability. Start with the car buying issue of Consumer Reports at the library. I have heard that the deals on VW are really excellent now and I love then"feel" of the German ...
by abonder
Wed Apr 12, 2017 1:34 am
Forum: Personal Consumer Issues
Topic: leaving early from work
Replies: 57
Views: 8058

Re: leaving early from work

I think a lot of good insight have been shared. I was going to mention one other possibility. I know you're already sinking huge money into daycare x 2, but would you consider some additional help at home. We went the au pair route even when we had one little one bc we had no close family for backup...
by abonder
Wed Apr 12, 2017 1:22 am
Forum: Investing - Help with Personal Investments
Topic: Skeptical Tuna needs help hitting it big!
Replies: 22
Views: 2636

Re: Skeptical Tuna needs help hitting it big!

I just wanted to say that I think the trolling accusations are unfair and uncharacteristic of the open and welcoming nature of this forum. The poster has no debt, a spouse with a good job, minimal expenses, and is pursuing a high risk/reward venture that his spouse is on board with. I think there's ...
by abonder
Thu Apr 06, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Insights Regarding Used Kia Sedona
Replies: 4
Views: 543

Re: Insights Regarding Used Kia Sedona

Thank you for the feedback. I looked at carcomplaints.com but it's hard to interpret the data. I'm not sure if there is any way to get an overall sense of reliability. Does anyone else have any insights or suggestions?
by abonder
Thu Apr 06, 2017 1:17 am
Forum: Personal Finance (Not Investing)
Topic: Insights Regarding Used Kia Sedona
Replies: 4
Views: 543

Insights Regarding Used Kia Sedona

We've been mulling possibility of replacing a vehicle with a minivan. It's not essential yet but we can see the utility of that vehicle configuration being useful for years to come. I think Sienna and Odyssey are the clear segment stalwarts (Pacifica may be included if reliability is better than pri...
by abonder
Sat Mar 25, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: August Vacation With Kids
Replies: 33
Views: 3261

Re: August Vacation With Kids

You've done a lot of travel with family. I think you're realizing that, while rewarding, it can be draining fiscally, emotionally, and physically. Only you can decide if a week by a lake/beach will be as satisfying as exploring Croatia. I've also heard of families doing "family camp" vacat...
by abonder
Sat Mar 25, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 13378

Re: Do you have enough? How I realized yeah I do.

Just sayin... wrote:
yellowgirl wrote:Off topic but why do people sit at Starbucks? You don't have internet at home?

For me, it beats sitting in a bar at 8AM. :sharebeer


Enjoyed this!
by abonder
Sat Mar 25, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: August Vacation With Kids
Replies: 33
Views: 3261

Re: August Vacation With Kids

Our strategy with small children is to aim low and make sure we rent a house/condo that is comfortable to hang out in in the event that we don't do a lot of activities. I also agree with staying close to a beach/lake/pool. It provides lots of fun with minimal work. I figure my kids won't remember an...
by abonder
Sun Mar 19, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio. Am I on the right track?
Replies: 9
Views: 858

Re: Help with portfolio. Am I on the right track?

I agree with chip. Maybe consider directing part of the taxable contributions to mortgage. As I mentioned earlier, if you're saving money either in taxable or debt repayment, then you're on the right path. Don't sweat the details of TLH. Just keep good records, learn more about it, and consider it d...
by abonder
Sun Mar 19, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio. Am I on the right track?
Replies: 9
Views: 858

Re: Help with portfolio. Am I on the right track?

Investment strategy seems reasonable. Asset allocation is within reason (some would argue for a little more bonds), investment expenses seem good. There's not much that I would do offhand. What is the rate on the mortgage? You could consider throwing some additional money at the mortgage in lieu of ...
by abonder
Sun Mar 12, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth still confused on advantage
Replies: 16
Views: 1494

Re: Backdoor Roth still confused on advantage

In mhalkey's link While it’s pretty straightforward to create a backdoor Roth, is it really worth the hassle? $5,500 a year in extra saving isn’t exactly going to make you rich. But if you’ve maxed out your 401k, are saving even more in after-tax accounts, have extra liquidity to spare, are still i...
by abonder
Wed Mar 08, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Car dilemma?
Replies: 25
Views: 2131

Re: Car dilemma?

Lots of good feedback. You've already paid the price for buying a new Audi so there is the argument to keep it and enjoy it. Audi has been very highly-rated for reliability per consumer reports in the past couple of years. It's definitely going to be more expensive to keep the Audi running and maint...
by abonder
Wed Mar 08, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: New Honda Odyssey? negotiations help!
Replies: 6
Views: 1305

Re: New Honda Odyssey? negotiations help!

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638 I think that is the extended bogleheads thread that might help you. A lot of good info in there. Also, there are forums where people discuss prices for models so those car also be helpful. Don't be afraid to take your time and be firm....
by abonder
Tue Mar 07, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Oaxaca?
Replies: 3
Views: 692

Re: Oaxaca?

We thought that the town of Huatulco was very cute and enjoyable to see. Puerto Escondido is also interesting. We enjoyed watching professional surfers get pounded by the unreal swell. Based on your user name, you might want to explore the surfing scene. As an aside , it gets really hot down there. ...
by abonder
Tue Mar 07, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Retirement Savings
Replies: 277
Views: 47284

Re: Physician Retirement Savings

Lots if interesting insights in this extended thread. Impressive wealth accumulation by a select group of boglehead physicians. I'm highly suspicious that selection bias plays a role in the posts here. Bogleheads (and the subset of boglehead physicians) tend to be highly motivated, fiscally responsi...
by abonder
Mon Mar 06, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Edward Jones to Vanguard
Replies: 50
Views: 5699

Re: Moving away from Edward Jones to Vanguard

In general, rolling to an IRA is often superior because you have greater control of the investment options and fees. It's not necessarily better....that is, many people are advised to move their 410k money from a setup with low costs and good investment options into a terrible brokerage account (lik...
by abonder
Mon Mar 06, 2017 3:16 am
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 28
Views: 5064

Re: Worth It Or Not? [to Retire]

Thanks for keeping us updated of your thoughts. It sounds like you have a handle on the financial implications. The only thing I would add (and I think you've touched on this) is to explore if there are workplace opportunities that would add a new challenge, experience, or aspect to your work that w...
by abonder
Sun Mar 05, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 6016

Re: 529- should I stop contributing?

You seem to regard $200k in an aggressive fund for two years longer than $100k in a super aggressive fund as equIvalent. I'm not sure that's the case. As for how much college will cost in a decade or two, I surely don't know, any more than I know what your kids' SAT scores will be, or if they're st...
by abonder
Sun Mar 05, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy municipal bonds
Replies: 11
Views: 1551

Re: How to by municipal bonds

A few things to note. Transaction costs (overt and hidden) can be very high on individual municipal bonds. Read a little on it and you'll learn how much he deck can be stacked against you as an individual investor dealing in (relatively) small amounts. You definitely don't get the efficiencies that ...
by abonder
Sun Mar 05, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Think I'm ready, but not overly confident
Replies: 28
Views: 3310

Re: Think I'm ready, but not overly confident

I think that you are in an enviable position and you'll be fine regardless of the exact details. You mentioned an impressing corporate reorganization- is there any chance that you could get an early separation package. You absolutely don't need it but it might be a way to get healthcare covered unti...
by abonder
Tue Feb 28, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling the trigger on new minivan or wait?
Replies: 29
Views: 2151

Re: Pulling the trigger on new minivan or wait?

You'll find a lot of minivan appreciation here. It's funny that SUVs are so popular when they cost more, are more expensive to operate, and function way less usefully than a van. Unless you're off-roading regularly, there's no utility in an SUV. It's the hedge fun of vehicles....huge cost for underp...
by abonder
Tue Feb 28, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling the trigger on new minivan or wait?
Replies: 29
Views: 2151

Re: Pulling the trigger on new minivan or wait?

I think the minivan is probably highly useful for your family situation. There's a ton of threads on this, but I think used Odysseys hold their value really well. You have to go out many years/miles to make used worth it from a value standpoint. I am not a fan of Chrysler products. I know the Pacifi...
by abonder
Mon Feb 27, 2017 12:51 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3920

Re: Outdoor grill: gas or electric?

I suspect that if you are deciding between gas an electric, then ease of use is of primary importance. The only time I e ever used electric is when we had an outdoor space at our condo where only electric grills were permitted. Otherwise, I can't see a reason to do electric. I think gas is superior ...
by abonder
Mon Feb 27, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 95
Views: 8725

Re: Do Boglehead DIY or Pay a Professional?

I still have to teach my kids how to fix things and do things, but once they are completely launched, I will probably pay to have some things done. It would be a real disservice to them if they didn't know how to fix a toilet, faucet, dishwasher, dryer, HVAC, take care of computer, a network, lawn,...
by abonder
Sat Feb 25, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Caribbean vacation with 3 kids
Replies: 27
Views: 2573

Re: Caribbean vacation with 3 kids

I think it really depends on what you are looking for. Weve never been the all inclusive types, but many find it to be satisfying. There is the simplicity of knowing your costs up front. We've always enjoy house/villa rentals. Certain areas have staffed villas - it can be surprisingly cost-effective...
by abonder
Sat Feb 25, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3767

Re: How am I doing?

I think the updated plan is sound. Definitely take some more time and learn about investing and personal finances. It will pay off very well in the long run. You're on a very good trajectory....already saved a good amount, reasonable student debt load, mortgage reasonable for income, etc. I feel li...