Search found 360 matches

by JLJL
Fri Apr 28, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Mazda CX-5 window shattering problem
Replies: 10
Views: 2576

Re: Mazda CX-5 window shattering problem

No issues with mine and very happy with the car/purchase. Great utility in that car and a nice ride
by JLJL
Sun Mar 12, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 103
Views: 165099

Re: Experience selling car to Carmax?

Older post but had looked this up before making my decision so felt compelled to contribute. Just sold 2015 Mazda CX-5 sport standard to carmax at 17k miles. Price was just under kbb and edmunds trade in value range for outstanding condition. Edmunds said trade in $14.3k, they offered $14k. And the ...
by JLJL
Mon Jun 13, 2016 1:28 pm
Forum: Personal Consumer Issues
Topic: Cord Cutting, "local area networking" TV at home
Replies: 16
Views: 2680

Re: Cord Cutting, "local area networking" TV at home

Not answering your question exactly, but we bought a Visio Smart TV that uses wifi to enable Netflix, amazon prime, you tube, and plenty of other things, plus we bought a $30 indoor antenna that looks like a small, square, white placemat stuck to the wall (through the family room wall into laundry r...
by JLJL
Mon Jun 06, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why bother with a 529?
Replies: 180
Views: 17629

Re: Why bother with a 529?

...snip If you can make after-tax contribution to a traditional 401k (so after maxing pre-tax contributions) and you can do in-service withdrawals from the 401k (which is not particularly common), you could withdrawal the after-tax contributions and place them into a traditional IRA which you then ...
by JLJL
Mon Jun 06, 2016 3:22 pm
Forum: Personal Consumer Issues
Topic: Did they build houses better in 07/08 ?
Replies: 58
Views: 5650

Re: Did they build houses better in 07/08 ?

jfn111 wrote:
JLJL wrote:97% of claims made by realtors are false and without source citation.
We need an emoji of laughing with a thumbs up. That's pretty good. :D
:sharebeer the majority fall flat!
by JLJL
Mon Jun 06, 2016 3:19 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 17152

Re: Leave garage door open?

If the spring were to fail, my assumption is that you have to lift the entire weight of the door (100-200lbs?) and that it will not stay up in the horizontal position on its own because the bottom panel hangs like the front car of a roller at the crest. Normally the springs lift most of the weight....
by JLJL
Mon Jun 06, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 17152

Re: Leave garage door open?

... If the spring busts with the car inside, this is not a trivial issue. You need multiple adults with brains and brawn to get the thing out... Not trivial yes, but one man of average strength should be able to do it if you stage it right. (At least with my 2 car sectioned metal garage door. I als...
by JLJL
Mon Jun 06, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Did they build houses better in 07/08 ?
Replies: 58
Views: 5650

Re: Did they build houses better in 07/08 ?

97% of claims made by realtors are false and without source citation.
by JLJL
Mon Jun 06, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 17152

Re: Leave garage door open?

... If the spring busts with the car inside, this is not a trivial issue. You need multiple adults with brains and brawn to get the thing out... Not trivial yes, but one man of average strength should be able to do it if you stage it right. (At least with my 2 car sectioned metal garage door. I als...
by JLJL
Mon Jun 06, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 17152

Re: Leave garage door open?

Spraying WD-40 on the hinges, etc.? Also, what to do when the door gives up one fine day we're supposed to be leaving? I haven't yet tested how the string pull thing works to allow us to take the cars out. Use silicon or another lubricant, NOT WD-40. Go ahead and test the string pull. Using this re...
by JLJL
Mon Jun 06, 2016 10:04 am
Forum: Personal Consumer Issues
Topic: Leave garage door open?
Replies: 109
Views: 17152

Re: Leave garage door open?

... I'm glad I learned this today because this is something I would definitely have tried myself prior to reading this thread. I got talked out of doing the gutters myself a few years back. " I have a climbing harness. You hold the rope. What's the worst that could happen?" Some things are definite...
by JLJL
Thu Jun 02, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 67
Views: 6428

Re: Most affordable option for a will

I'm in the middle of "Beyond the Grave" by Condon, a book recommended on this forum by another poster, and it will scare enlighten any reader of the complexities of protecting your estate for after you pass, especially when children are involved. I strongly recommend talking to an estate planning a...
by JLJL
Mon May 23, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 101
Views: 8646

Re: Painting House Interior - How easy to do it yourself?

There are only a couple of things that haven't been mentioned. One. learn the correct way to hold a paint brush. You do not hold it like you are shaking hands, you hold the wide part just above the bristles between your thumb and fingers. This http://www.truevalue.com//catalog/product.jsp?productId...
by JLJL
Thu May 19, 2016 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Expat American investing in Singapore
Replies: 12
Views: 1591

Re: Expat American investing in Singapore

I just discovered that Vanguard also has a SG branch: https://www.vanguard.sg/institutional/home.htm. Could an American living in SG invest through that office--without having to pay the currency exchange rates, or sneak around the US residency issues? Just about every single responder to your post...
by JLJL
Thu May 19, 2016 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Expat American investing in Singapore
Replies: 12
Views: 1591

Re: Expat American investing in Singapore

To the OP, Make sure you have plenty of US bank accounts that include features like free ACH and billpaying, since you will not be able to open a new US bank account from abroad. Any monies going into or out of Vanguard should go through your US bank accounts. You should never disclose your expat s...
by JLJL
Thu May 19, 2016 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 67
Views: 6428

Re: Most affordable option for a will

I'm in the middle of "Beyond the Grave" by Condon, a book recommended on this forum by another poster, and it will scare enlighten any reader of the complexities of protecting your estate for after you pass, especially when children are involved. I strongly recommend talking to an estate planning at...
by JLJL
Wed May 18, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: garden hose
Replies: 46
Views: 4947

Re: garden hose

Every time I log on to Bogleheads I end up spending $400 on Amazon. This site is having the opposite intended effect.
by JLJL
Thu May 12, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Back Door Roth VS. Taxable For Young Couple
Replies: 9
Views: 1582

Re: Mega Back Door Roth VS. Taxable For Young Couple

We are filling BD for two, and MBD option in my plan even prior to 529, no HSA available, FWIW. We have co. match of about $15k, so we have about $18+k of space for MBD. MBD option for my co. is probably going away in the next year or so and we'll then go to 529 (favorable state for state tax deduct...
by JLJL
Thu May 12, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Used car vs. new
Replies: 23
Views: 4516

Re: Used car vs. new

My favorite argument for buying used is the ultimate used car argument . Suppose my strategy is to buy a new car and drive it for 10 years. Because cars depreciate ~13% a year, your strategy is to buy a one-year old car every seven years. Compared to me, you will both save money and drive a newer v...
by JLJL
Tue May 10, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 14612

Re: 30 minute commute?

I'd say forget about the 10 closer schools, how many high schools are walkable (not that you'd have to walk it, but that's a great yard stick)? How long will it take to get a job with one of them? You could take the commute job and change once you land a close one next school year or the one after, ...
by JLJL
Tue May 10, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 10752

Re: Buying a house for an adult child (child adult?)

At this point I think the whole debate is moot. An underwriter is going to want to know the source of the funds for the down payment. A gift from a 401k loan from a kid is probably not looked upon favorably. Investment properties are more highly scrutinized by lenders in my experience (refinanced a ...
by JLJL
Mon May 09, 2016 9:26 am
Forum: Personal Consumer Issues
Topic: Buying a house for an adult child (child adult?)
Replies: 94
Views: 10752

Re: Buying a house for an adult child (child adult?)

Are there tax implications for them giving you the down payment for your, presumably, second home? Are there differences in property or income taxes for an investment property that is not or has not been your primary residence, particularly if they (you) sell it? Do you need to file additional forms...
by JLJL
Tue Mar 01, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is An Online Savings Account A No-Brainer?
Replies: 27
Views: 5155

Re: Is An Online Savings Account A No-Brainer?

I have WF checking, CapOne Checking and CapOne 360 savings. I recently made our house down payment out of online checking. A bit scary actually, I was able to transfer a big number from savings to checking that became instantly available, and then write enormous cashier's checks to the title company...
by JLJL
Wed Feb 24, 2016 11:01 am
Forum: Personal Consumer Issues
Topic: 32GB thumb drives
Replies: 23
Views: 4141

Re: 32GB thumb drives

I would make sure it is "shock resistant" and I've had good luck with Corsaire Flash Voyager devices.

I don't have any other data points to compare, but these have stood the test of time for me.
by JLJL
Mon Feb 22, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 16746

Re: Mr Money Mustache Article (New Yorker)

Thanks for the post and link. I think it's funny his name is Pete. Its nice to preach that you can live on $24,000/year. To give people the idea all you need is a nest egg large enough to produce $24,000/year while you have a safety net of $400,000/year in income does not meet the smell test, I'm g...
by JLJL
Mon Feb 22, 2016 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 16746

Re: Mr Money Mustache Article (New Yorker)

I see your point but really feel you've missed the whole premise of his message. Also I think he's been living a $20k lifestyle for like 40 years, barring the last 5 years of "trade-enhanced life pleasures" and I don't see him capitulating and becoming a "consumerist clown" or whatever the phrase i...
by JLJL
Mon Feb 22, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 16746

Re: Mr Money Mustache Article (New Yorker)

Thanks for the post and link. I think it's funny his name is Pete. Its nice to preach that you can live on $24,000/year. To give people the idea all you need is a nest egg large enough to produce $24,000/year while you have a safety net of $400,000/year in income does not meet the smell test, I'm gl...
by JLJL
Mon Feb 22, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Do I need an awesome smartphone?
Replies: 73
Views: 6973

Re: Do I need an awesome smartphone?

I'm another person who has no problem dropping money to purchase a new iphone every two or three years. For me, it has replaced other needs in my life. I don't need quite the computer in my home office anymore since I do quite a bit of everyday functions on my phone. It has revolutionized the way I...
by JLJL
Mon Feb 22, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Bad customer experience or am I being unrealistic?
Replies: 30
Views: 5151

Re: Bad customer experience or am I being unrealistic?

I would be frustrated if my credit card was regularly false-flagged. My card company rarely (if ever by my recollection) does this and we've used this card in all sorts of situations. I'll tell you if you pm me which card we use. I'm not in love with my company either but the card works, has good re...
by JLJL
Fri Feb 19, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Trip to LA for 5 days
Replies: 30
Views: 3127

Re: Trip to LA for 5 days

How about Legoland? http://www.legoland.com/california/ At least for our kids (4.5 and 2.5 when we visited), Legoland was a much bigger hit than Disneyland. It's much better for that age range IMO, though 6 is probably old enough to enjoy Disneyland. I suppose it depends upon the kid. +1 yes, or at...
by JLJL
Fri Feb 05, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 10393

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

exoilman wrote:reference
+1 thanks guys
by JLJL
Tue Feb 02, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: New Car - Compact SUV or Sedan
Replies: 36
Views: 4418

Re: New Car - Compact SUV or Sedan

I recently purchased a 2WD CX5 after going through the same sedan/crossover debate as you and I love it. I get 33mpg (ok, 32.7 average down from 32.9 since it has gotten colder outside and I haven't touched tire pressure). It feels good to be a little higher on the road and it is a great ride, nice ...
by JLJL
Tue Jan 26, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 5721

Re: What 55" TV to Buy

I have a 55" Vizio Smart TV that I like a lot. +1 Spent <$600 and have a TV we like a lot. Like others say, decide on your budget, go to the store and/or read some CNET reviews... +2, bought 50" online at target with a red card (5% off) and around $500. It does everything I could expect a TV to do,...
by JLJL
Tue Jan 19, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Phoenix/Scottsdale golf trip
Replies: 6
Views: 874

Re: Phoenix/Scottsdale golf trip

Based on your advice we are looking to move the trip to Tucson and have gotten a quote with golfzoo. I'll update on the experience.

Thanks all
by JLJL
Tue Jan 19, 2016 7:48 am
Forum: Forum Issues and Administration
Topic: Best link to give to someone who hasn't been to boglehead
Replies: 2
Views: 1368

Re: Best link to give to someone who hasn't been to boglehead

https://www.bogleheads.org/wiki/Getting_started seems reasonable. After reading The Boglehead's Guide to Investing (interestingly enough a book I picked up from Ramit Sethi's suggested reading list), I came to the site and watched all of the videos, which I still think are outstanding. Such a pragm...
by JLJL
Mon Jan 18, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: Phoenix/Scottsdale golf trip
Replies: 6
Views: 874

Re: Phoenix/Scottsdale golf trip

Thanks guys, great advice on the Cactus League. I wasn't thinking about that at all. I appreciate the course recommendations as well. The list is a bit overwhelming really! Assuming we beat the rush and go before or after spring training, please let me know if anyone has had luck booking packages or...
by JLJL
Mon Jan 18, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Phoenix/Scottsdale golf trip
Replies: 6
Views: 874

Phoenix/Scottsdale golf trip

Hi Boglehead golfers, Please help a foursome of freezing Midwesterners with some advice on the best way to plan a 4-5 day Phoenix golf trip. I'm skeptical of the travel agency websites, but for no good reason. For those from the area or those who have done it, do you recommend a particular travel ag...
by JLJL
Thu Jan 14, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor Roth question
Replies: 1
Views: 382

Re: Mega backdoor Roth question

Replying to give you a bump on the board and relate my experiences. Not a pro FWIW. You first need to be sure that they not only allow for after-tax contributions, but also in-service withdrawals/distributions of after-tax contributions, and if so, the frequency in which they allow these withdrawals...
by JLJL
Fri Jan 08, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 42291

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

1718.19 (since it worked so well last year)
by JLJL
Mon Nov 09, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 6634

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

... snip... If you need more versatility, there's always a used CX-5 manual that gets up to 35mph hwy... Sorry to go off-point but I was looking at Mazda3 hatch and eventually "shifted" to the CX-5 given the comfort and performance. I searched hard and ended up finding a "newsed" 2015 w/ 295mi manu...
by JLJL
Fri Sep 11, 2015 9:49 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 18727

Re: Best Small Purchases (Around the house)

I have three products from this thread open on Amazon, but I decided not to buy any and instead went in the opposite direction and checked out the Kondo "tidying up" audiobook on Hoopla. Btw hoopla is great, one of the free resources provided through my library. The day I got my card I made the effo...
by JLJL
Thu Jun 25, 2015 10:59 am
Forum: Personal Consumer Issues
Topic: Optimize trip to China
Replies: 24
Views: 3608

Re: Optimize trip to China

Skype is ok but WeChat is better quality on video calls. WeChat is massive in China and the whole chat suite is just better. All parties download the app and go to it. No need for VPN just wifi although I'm always on VPN if using the Internet. For that we use Astrill and it works pretty well and can...
by JLJL
Wed Jun 24, 2015 2:41 am
Forum: Personal Consumer Issues
Topic: 4th of July in Washington, DC
Replies: 12
Views: 1975

Re: 4th of July in Washington, DC

Several years ago we went with our 2 year old boy who hid in his stroller during the fireworks. Before that we were running around and playing on the grass. We sat between the white house and the Washington Monument, closer to the monument, maybe in or around the ellipse. It was interesting watching...
by JLJL
Thu Jun 18, 2015 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Another "Can we afford this home?" scenario
Replies: 13
Views: 2737

Re: Another "Can we afford this home?" scenario

$15K is an ok E-fund now ($1000/mo rent and ~$2500/mo other bills) but is low for the situation you describe. So more like $45k to be comfortable. So with $30k for a down payment you need another $50k from parents to get to 20%, but you also need 3% closing costs so you need another $10k or $60k fro...
by JLJL
Wed Jun 17, 2015 9:36 pm
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 9160

Re: Not Buying a Home Could Cost You

While the train has left the station, there should be no dispute that purchasing a couple of years back when a 30-yr fixed at 3.4% (and no points) was available, and prices were still moderate, well, that was the sweet spot. True. Although there are still many parts of the country that are "flat" f...
by JLJL
Wed Jun 17, 2015 7:50 pm
Forum: Personal Consumer Issues
Topic: Life is short, enjoy it!
Replies: 32
Views: 7232

Re: Life is short, enjoy it!

Thanks letsgobobby, nice post. We have friends moving there and we can't wait to visit. Your point is well made also. Thanks shipmate letsgobobby for the sitrep on your trip to Vancouver BC. During my active duty days as a Sailor this was one of my favorite ports. Plus as a long distance runner, I e...
by JLJL
Tue Jun 16, 2015 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 5095

Re: Unwise to keep funds at one bank?

I've always had one primary checking account for cash - tied to a high yield savings account for emergencies - and have never had a problem. I guess if my bank failed I may be inconvenienced for a few days but have plenty of credit cards and suppose I could pull from the high yield savings directly...
by JLJL
Mon Jun 15, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: Not Buying a Home Could Cost You
Replies: 36
Views: 9160

Re: Not Buying a Home Could Cost You

The primary investment advantage of home ownership (to me) comes from the equivalent "tax free" nature of the imputed rent. Being a landlord is just another business. If you're a 'landlord' to yourself, you probably have a very reliable customer. If I found a location I thought I was going to live ...
by JLJL
Mon Jun 15, 2015 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Unwise to keep funds at one bank?
Replies: 32
Views: 5095

Re: Unwise to keep funds at one bank?

I am concerned about this as well. I've recently positioned money from savings into checking so as to be able to write cashier's checks to close on a home. It was scary how easy it was to create that online checking account (same bank as savings) and move money from savings to checking instantly, an...
by JLJL
Mon Jun 15, 2015 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - can we afford to buy a house?
Replies: 18
Views: 3328

Re: Baby on the way - can we afford to buy a house?

Blueleaf, Congratulations on your growing family. The HOA is hefty, and in terms of mortgage is similar about another $150K in cost of interest (depending on the interest rate you can get, and other factors like the fact that I'm not great at math). But just assume that HOA makes this equal to a $70...