Search found 613 matches

by arsenalfan
Wed Aug 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Chevy Volt for Commute
Replies: 17
Views: 1011

Re: Chevy Volt for Commute

Look at Bolt also. Plug in every 4-5 days vs every night with the volt.

As you prob already know the max GM fed credit likely phases out in next 2 quarters as they’re close to the 200k electric car limit.
by arsenalfan
Fri Aug 10, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1018

Re: Rental Property as an Investment?

Call selling realtor
Find out why deals fell through and inspections.
Price of a phone call
by arsenalfan
Fri Aug 10, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as an Investment?
Replies: 20
Views: 1018

Re: Rental Property as an Investment?

Best guess: Looks like someone's rehab ran into structural issues.
I'd definitely pay $2-3k for a strucutral engineer and general contractor to examine the entire place, before investing.
Great location in North Adams next to Mass MoCA and maybe MCLA, but property has a steep grade.
by arsenalfan
Tue Aug 07, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Whole house generator
Replies: 31
Views: 1721

Re: Whole house generator

Your price seems fair; my HCOL east coast 20kw Kohler install with transfer switch = $9275 in 2012. We have a subpanel, basically what we want on if the power's out for 3-7 days in winter or summer: heat/hotwater/entire kitchen (including all refrig/freeezer), first & second floor. We did without th...
by arsenalfan
Sun Aug 05, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9245

Re: Do We need health insurance??

Yes. Pennywise and pound foolish. I have taken care of 1. 50-something healthy man turning tan = new onset metastatic pancreatic cancer, who has no health insurance. 60+ day inpatient stay, 32+ days ICU intubated, 8 surgeries, going to rehab facility. Who knows how long they will be there/what that ...
by arsenalfan
Sat Aug 04, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Additional income strategies
Replies: 9
Views: 1074

Re: Additional income strategies

If you meet accredited investor criteria and wish to forgo direct RE ownership, consider syndicated RE investment. Caveat emptor it's a new space, but the investment amounts aren't as large.

https://www.whitecoatinvestor.com/real-estate-update/
by arsenalfan
Sat Aug 04, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4853

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

Gill, if it's a legitimate 501c3, how is the DAF donating to it not legitimate?

Agree it seems fishy though.
by arsenalfan
Sat Aug 04, 2018 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?
Replies: 75
Views: 4853

Re: Can I use my Donor Advised Fund to give extra cash to sponsor my kids travel sports team?

I don't see a problem if it's a 501c3.
Be sure the 501c3 lets you designate funds specifically towards your kids team.
by arsenalfan
Sat Aug 04, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Bolt was what I'd buy now if I hadn't repaired GTI. I'd have to plug in Bolt every weekend. Volt I'd have to do every night. I hate refueling the GTI every other week - and I'd also hate having to plug in the volt every night (I'm OCD that I'd prob do it rather than risk run out of battery). So the ...
by arsenalfan
Fri Aug 03, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Repaired the GTI for $1700. $950 in labor probably need a cheaper mechanic.
Fingers crossed it lasts another 5-7 years. Has 60k miles now.
Fun to think what the electrics will look like in 2023
by arsenalfan
Fri Aug 03, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Opening a brokerage account for minors
Replies: 5
Views: 454

Re: Opening a brokerage account for minors

Fidelity Roth IRA for Minors
has to be their earned income
by arsenalfan
Fri Aug 03, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Anyone have experience with an Au Pair?
Replies: 8
Views: 1386

Re: Anyone have experience with an Au Pair?

HCOL area. When kids young we used one nanny who had flexible hours (could come at 6am if we were called into work etc). This was good when the kids were younger, and couldn't report reliably any weird stuff. $40k for 45 hours per week. This was a very reliable 50yo woman with grown college age kids...
by arsenalfan
Fri Aug 03, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 3175

Re: Used Chevy Volt - Which year should I look at?

Thanks for the update, especially pricing details.
by arsenalfan
Fri Aug 03, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9455

Re: Realities of Early Retirement Model (FIRE)?

[/quote] With health care risks, financial status doesn t matter?!? Even though urgent outpatient or inpatient care may be provided for the uninsured, the bill will still be due. Beating someone out of a debt owed will still be just as uncomfortable as not paying for a tv or a car. However, one gets...
by arsenalfan
Thu Aug 02, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3204

Re: HSA's - when does it make sense?

Greatly appreciate all of the responses. I will absolutely continue to fully fund my HSA each year. My employer has an agreement with Benefit Wallet - in my opinion their app sucks and their website is clunky on the reimbursement and investments side. They also put a $1k hold if you plan to invest ...
by arsenalfan
Wed Aug 01, 2018 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD: Vanguard Auto-Invest Mutual Funds vs Manual ETF Purchase?
Replies: 3
Views: 183

Re: WWYD: Vanguard Auto-Invest Mutual Funds vs Manual ETF Purchase?

Thanks PFInterest.

FWIW I called Vanguard (got a live person who was lovely btw in about 30 seconds).
Their reply is there is low turnover in index MFs, so the difference isn't that great between ETF and MF.
LMK if anyone thinks otherwise, but keeping the auto invest in MF, to force the behavior.
by arsenalfan
Wed Aug 01, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD: Vanguard Auto-Invest Mutual Funds vs Manual ETF Purchase?
Replies: 3
Views: 183

WWYD: Vanguard Auto-Invest Mutual Funds vs Manual ETF Purchase?

Every month I auto-invest in our taxable account into 3 Vanguard funds: Developed Markets, Total International Markets, and Intermediate Term Tax-Exempt. This is automatic set & forget via the Vanguard website; I change the ratios around every year as I rebalance with this new money. Are the ETF ver...
by arsenalfan
Wed Aug 01, 2018 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy Beach House
Replies: 8
Views: 2087

Re: Rent vs Buy Beach House

Same boat, looking at oceanfront vaca home 2 hours away in $600k-800k range. 1 week in Aug, then probably 3-5 miscellaneous weekends during the year. I suspect you will spend more than $10k per year on this property. So it will be a largely lifestyle/emotional decision. A large downpayment is probab...
by arsenalfan
Tue Jul 31, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9455

Re: Realities of Early Retirement Model (FIRE)?

You have to pick your level of consumerism. I see the self help guru aspect - but ultimately you decide what you click on. And if they get a lot of traffic and converts to frugality/LBYM/avoid consumerism, hey, more the better. Drive that car a little longer, be less plastic. The FIRE folks I know a...
by arsenalfan
Tue Jul 31, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Realities of Early Retirement Model (FIRE)?
Replies: 96
Views: 9455

Re: Realities of Early Retirement Model (FIRE)?

I have a FIRE friend. One of the most interesting people I've ever met, bit of a Morpheus to my Neo and opened my eyes to Bogeleheads/Mr Money Mustache. ACA healthcare - they're both healthy and suspect they might roll dice and go without for a year or two, but I bet they just pay. No kids Lots of p...
by arsenalfan
Mon Jul 30, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Home audio - what do I need
Replies: 3
Views: 521

Re: Home audio - what do I need

WiFi For LR: Denon Denon AVR-S730H https://thewirecutter.com/reviews/best-receiver/ Latest Apple TV For Kitchen/Outside/Playroom/Family Room: Sonos systems with amplifiers. From your smartphone with sonos app, you can control audio for all those zones. For your movies in living room you will control...
by arsenalfan
Mon Jul 30, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy new Nissan Leaf?
Replies: 35
Views: 2381

Re: Should I buy new Nissan Leaf?

I wouldn't buy a new car until you needed it, so long as that company credit isn't expiring anytime soon. Tesla and GM are the ones closest to reaching the 200k limit for the Fed tax credit. I don't think Nissan is close. A lot of more interesting e-cars are in the pipeline. I have a dilemma of sink...
by arsenalfan
Sat Jul 28, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Has Anyone Tried Youtube TV?
Replies: 46
Views: 4774

Re: Has Anyone Tried Youtube TV?

It’s real and it’s fantastic. So long as it has the channels you want We just need it for sports (olympics and World Cup) Stream on any screen. Cloud dvr Paid $40 for one month we wanted it (World Cup) and then stopped subscribing. Will resubscribe for Olympics. Subscribing/unsubscribing requires a ...
by arsenalfan
Sat Jul 28, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

A cam chain "should" never need replacement, according to VW :shock: On my 2009 TSFI Jetta a weakness identified by many is the cam tensioner, be sure that if you do the repair that it is not that part that is giving you grief. It depends on oil pressure and is a known problem on these engines. htt...
by arsenalfan
Fri Jul 27, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

The 2008 GTI almost certainly has a timing belt. The TSFI engine, with its timing chain, did not come until the 2009 model, of course you may have a rare bird. The usual specs for the 2008 GTI include a timing belt from the crank pulley to the camshaft and a chain from one cam to the other. It is t...
by arsenalfan
Fri Jul 27, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Called to verify. The $1500 is basically replacing everything timing chain related: chain, tensioner, guides, cover/gasket. Mechanic said do it if you want to keep car for another 70-100k miles (which for me would be like 7-10 years of use). He said don't do it if you want to buy a new car in the ne...
by arsenalfan
Fri Jul 27, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Thanks for all the perspectives. Going to test drive volt and leaf If not in love will repair GTI (fingers crossed a cascade of $500-1k repairs don’t ensue!) It’s a known problem (leaking oil tensioner cover) and anecdotes have the engine seizing on the highway, so not an option to just let it ride...
by arsenalfan
Fri Jul 27, 2018 5:24 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

HEDGEFUNDIE wrote:
Fri Jul 27, 2018 12:19 am
Test drive the new Leaf before you condemn it as "not fun to drive"
Will do. Have heard from multiple car enthusiast friends that Leaf 2 is a new breed.
by arsenalfan
Fri Jul 27, 2018 4:32 am
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Thanks for all the perspectives. Option 1 no longer an option. My GTI problem is a known problem. It’s a known problem (leaking oil timing chain cover) and anecdotes have the engine seizing on the highway, so not an option to just let it ride unrepaired. Going to test drive volt and leaf If not in l...
by arsenalfan
Thu Jul 26, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 yea...
by arsenalfan
Thu Jul 26, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Re: Suggest an electric car: Volt? Alternative?

Gti has 60k miles after 10 years. This is a good mechanic I trust, pretty inexpensive but certified and professional. Not dealer but also not a Sunday mechanic.

Maybe I should get another opinion though. Thanks
by arsenalfan
Thu Jul 26, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3832

Suggest an electric car: Volt? Alternative?

2008 GTI has an oil gasket leak in timing chain cover, mechanic says could be up to $1500 to fix depending on labor/what's under the cover. Apparently laborious. Car worth about $7k, so no. Use: commuter car only, 25 miles round trip M-F. Minimal weekend use. Maybe will be passed onto kids in 5 year...
by arsenalfan
Tue Jul 24, 2018 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Which doctor should I go to?
Replies: 26
Views: 1733

Re: Which doctor should I go to?

I'm going to be really concerned about those mayo packs if OP doesn't ever post on BH again.
by arsenalfan
Sat Jul 21, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Good point. Job is a great fit, Way more relaxed and no production pressure like in private practice. Run or bike to work 1 mike away. Honestly I thought the retirement was going to stink (I can defer 56k now) and didn’t know about the healthcare. Now it’s the gravy on top. Pretty substantial gravy ...
by arsenalfan
Sat Jul 21, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Thanks mrc, delamer & Iorek. I have learned from you that 57 yo is the earliest out eligible to buy FEHBP with after tax dollars, and take my annuity at 5% penalty per year since not 62. Digression - I was kind of confused why OPM calls it MRA +10. Thought it was 67 yo! Realized its MRA & 10 years (...
by arsenalfan
Sat Jul 21, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Costco inventory cycle?
Replies: 12
Views: 2170

Re: Costco inventory cycle?

Not that I know of. We have 2 stores about 15 miles apart, and their inventory differs slightly, their layout differs a lot. I find they're about 2-3 months ahead of time. Swimsuits/summer furniture etc on sale in April; Winter boots/outerwear in Aug/September. Currently there's a ton of indoor furn...
by arsenalfan
Fri Jul 20, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

OP, if I were you, I'd skip the fed employment and work as much or little as you feel like. You've got the money for healthcare now. My dos centavos. Thanks. I'm probably being too conservative here, but a friend is FI/RE at 40yo, and the craziness of ACA premiums is really throwing a wrench into h...
by arsenalfan
Fri Jul 20, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Honestly it's for the healthcare unknown and not the pension. Thank you for the clarifcation both - I would retire at 57 and take the FEHBP and pension penalty deduction (unless wife still working/we were on her healthcare). Not firefighters or other special category pensioners. We are doctors, and ...
by arsenalfan
Fri Jul 20, 2018 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Sounds like a nice plan. If you retire at MRA with ten years of service, your basic benefit annuity gets reduced by 5% per year under age 62. That means for ten years of service with a $300k salary you would see an annual pension of $22,500. If you stay another 5 years and retire at 62, then your b...
by arsenalfan
Fri Jul 20, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Hmm good point.
I’m fighting my frugal self.
It’s like that far side cartoon, where Einstein discovers Time = Money
by arsenalfan
Fri Jul 20, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Re: Federal Benefits Question - Annuity, TSP, FEHBP

Thank you ExitStageLeft. TSP: Thanks for explaining that on $300k, max TSP= 33.5k including match. My MRA is 57, so if I started at 47yo with this position, pension would be $300k x 0.01 x 10 years = $30k pretax starting at 57yo. I'm 44 and considering a change of scenery in my 0.6 FTE private pract...
by arsenalfan
Fri Jul 20, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Financial Plan: PGY4 Orthopaedic / PGY4 ENT Residents
Replies: 11
Views: 736

Re: Advice on Financial Plan: PGY4 Orthopaedic / PGY4 ENT Residents

Looks ok - I concur with everyone: be frugal, no new cars or houses, consider house hacking if you want to get into real estate, definitely ask about buying into surgery centers as an orthopod (my impression is ENT ASCs are meh unless spine/ortho involved too). Make an Investment Policy Statement wi...
by arsenalfan
Fri Jul 20, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Benefits Question - Annuity, TSP, FEHBP
Replies: 21
Views: 1469

Federal Benefits Question - Annuity, TSP, FEHBP

Trying to compare Annuity/TSP to the $56k Profit sharing plan I currently have. Ability to purchase FEBHP could be a huge benefit since we plan on retiring 10 years prior to Medicare eligibility. Can someone please verify that I understand the federal retirement system correctly? Job: $300k per year...
by arsenalfan
Fri Jul 20, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: First Real Estate Investment question
Replies: 6
Views: 728

Re: First Real Estate Investment question

My cap rates in HCOL area are 6-8%.
by arsenalfan
Tue Jul 17, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: First Real Estate Investment question
Replies: 6
Views: 728

Re: First Real Estate Investment question

That's not a good rental. Doesn't pass the 1% rule of thumb. Monthly rental = 1% of purchase price. 50% down doesn't take advantage of leverage. Any good duplexes where you can "house hack" and live in one side/rent out the other side, effectively reducing your housing cost to $0? BiggerPockets is b...
by arsenalfan
Fri Jul 06, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14865

Re: How to "retire" in your 30's article

Congratulations to Marc and family. There has to be a balance, and I think it is hard for men and women that they can have anything, just not everything. So much societal pressure to work, work, work (and consume, consume, consume) in our capitalistic world. When really, time and memories are all on...
by arsenalfan
Fri Jul 06, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 3212

Re: Coffee Grinder recommendations

I cannot recommend the Bazarta Encore. I grind 10 oz weekly for my oxo cold brew setup. This takes 10-15 min because EVERYTIME it gets jammed and I have to break it down and clean the chute. 90 degree small down chute is the design flaw. I follow this video, especially the allen wrench key part http...