Search found 653 matches

by bubbadog
Wed Nov 07, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pricing a car sale to a friend
Replies: 7
Views: 532

Re: Pricing a car sale to a friend

terran wrote:
Wed Nov 07, 2018 12:46 pm
I would suggest Kelley Blue Book trade in value. Or take it to Carmax or a dealership and sell it to your friend for whatever they offer.
+1 Seems fair

I did the same thing recently (trade in value)
by bubbadog
Sun Nov 04, 2018 12:15 am
Forum: Investing - Help with Personal Investments
Topic: UTMA Concepts
Replies: 7
Views: 600

Re: UTMA Concepts

I never used my childrens' UTMA accounts for tax avoidance. You say that as if tax avoidance (minimization) in and of itself is a bad thing. If you are going to gift money to a UTMA anyway, it makes sense to gift highly appreciated stock in kind rather than selling it yourself, paying the capital g...
by bubbadog
Sat Nov 03, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: What are you learning or studying?
Replies: 112
Views: 9328

Re: What are you learning or studying?

Just finished a one week course to be a FAA Aviation Medical Examiner (AME).
by bubbadog
Sat Nov 03, 2018 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA Concepts
Replies: 7
Views: 600

Re: UTMA Concepts

I never used my childrens' UTMA accounts for tax avoidance.

It was used as a teaching and investment tool for monies they earned or were given for birthdays/holidays.

I do offer a generous matching incentive to encourage them to invest some of their earnings.
by bubbadog
Thu Nov 01, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4665

Re: Am I Risking My Life to Sell My Car?

If it were me I would drive to CarMax and tell them about the tire. Agree with this, honesty is best. I'd say there is a good chance they say "Thanks, for the heads up" and send you on your way with the full $2,500. So would I. I would probably take low speed back roads, if possible, just to minimi...
by bubbadog
Thu Nov 01, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4672

Re: Think I have found my new commuter car - 2019 Honda Insight

It's insane, right? Google around about it, it's a huge problem. After 30 minutes in that Accord it hurt to walk. I guess with the increasing focus on big infotainment systems and places to charge/store large cell phones, the center stacks are getting wider. I've found the issue in the Camry as wel...
by bubbadog
Thu Nov 01, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4672

Re: Think I have found my new commuter car - 2019 Honda Insight

I don't want to burst any bubbles out there, but take it for a test drive. I too was enamored with the Insight in digital form, but I found the driving characteristics of it to be very unusual and sort of a deal breaker for me. The Toyota hybrids (Camry included) drive in a whole other class. Plus ...
by bubbadog
Sat Oct 27, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: First time TLH. Please review
Replies: 4
Views: 402

Re: First time TLH. Please review

Planning my first TLH. Please review my plan. Started taxable brokerage with Vanguard 5/2018. Multiple contributions (all VTSAX) with the last one 10/19/18. Automatic reinvestment of dividends is turned off in taxable account. However, I hold all VTSAX in my Roth IRA as well which had a dividend re...
by bubbadog
Sat Oct 27, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7166

Re: How many miles (total) on car before buying another car ?

Just curious, At what miles (total) on the car do you guys buy a new one ? I have a car at 120k (10 years old) and wondering what is a reasonable time to throw it out and buy a new one. I know some people here at BH will likely have vehicles that have more than 300k miles. But aren't there downside...
by bubbadog
Fri Oct 19, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Most economical high-quality car wash
Replies: 13
Views: 1480

Re: Most economical high-quality car wash

What you want does not exist. Unfortunately. To be 'Economical high-quality' you have to DIY. To be 'high-quality' you'll have to look at detailing places and they are not 'economical'. For e.g., dried out bugs, bird's droppings, and tree saplings, etc cannot be easily remove by just regular car wa...
by bubbadog
Fri Oct 19, 2018 6:29 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8526

Re: When to change tires; and what brand

For whatever reason I have 28 pounds on all four tires but in rechecking them about 3 weeks later they all gap to 37,33,33,and 31. Why and what can I do to keep them from going up. I could understand losing tire pressure but going up has got me confused. Temperature Tire pressure should be checked ...
by bubbadog
Thu Oct 18, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: When to change tires; and what brand
Replies: 131
Views: 8526

Re: When to change tires; and what brand

When I start to notice a drop in wet weather performance, I get new tires. (especially if going into fall/winter) This is usually around the 4/32 of an inch tread depth which is the widely recommended tread depth of when to replace. I check Tire Rack and pick a top performing name brand tire (Michel...
by bubbadog
Sat Oct 13, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: 2013 MAzda CX-9
Replies: 2
Views: 216

Re: 2013 MAzda CX-9

Does not seem like a scam to me. You bought a 5 year old used vehicle. It is making a noise and you want it checked out. They are asking for compensation for their time. They have given you a price up front for this service. Just because the vehicle was certified does not mean you will not need to r...
by bubbadog
Sat Oct 13, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1389

Re: Drop in MPG (09 Civic)

You may want to check if one or more of the wheels is noticeably warmer than the others after a drive. If so, it might help determine if it is brake/ wheel bearing issue. A brake caliper dragging on the rotor will generate a lot of heat and it should be a noticeable difference in temperature.
by bubbadog
Wed Oct 10, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: I guess I'm fine
Replies: 7
Views: 1552

Re: I guess I'm fine

When your have over 100x expenses saved (Daily fluctuations of 1% exceed what I spend in a year.), you are more than fine.
by bubbadog
Mon Oct 08, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: Automobile Shipping
Replies: 5
Views: 558

Re: Automobile Shipping

Intercity

I used them to ship a higher end sports car from California to Ohio.

I had a great experience and the car arrived without issue.

It was around $1,800.
by bubbadog
Sun Oct 07, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12927

Re: What purchase saved you the most money?

retiredjg wrote:
Sun Oct 07, 2018 10:03 am
wootwoot wrote:
Sun Oct 07, 2018 2:35 am
Condoms, they saved me from having a baby in college.
Considering the cost of raising and educating a child....I think we have a winner!
Dilly dilly!
by bubbadog
Fri Oct 05, 2018 5:33 am
Forum: Investing - Help with Personal Investments
Topic: How to Approach Investing for my Children
Replies: 20
Views: 1529

Re: How to Approach Investing for my Children

For college expenses, I went with a taxable account. As it has turned out, I have not needed any of those funds for college. My son got a substantial scholarship and we have been cash flowing the difference. I still have his younger sister, who is in high school, to get through college. For teachin...
by bubbadog
Thu Oct 04, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to Approach Investing for my Children
Replies: 20
Views: 1529

Re: How to Approach Investing for my Children

For college expenses, I went with a taxable account. As it has turned out, I have not needed any of those funds for college. My son got a substantial scholarship and we have been cash flowing the difference. I still have his younger sister, who is in high school, to get through college. For teaching...
by bubbadog
Sat Sep 29, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: 0% loan to family member
Replies: 44
Views: 2727

Re: 0% loan to family member

Like you said, "After all, it is their money.". They are obviously free to do as they please. Was this told to you in confidence by your father? I would not want to know any financial information that I was not free to share with the other siblings. Maybe ask your father if you can let the other sib...
by bubbadog
Sat Sep 29, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Protection buying a used car private party that has a loan
Replies: 17
Views: 1052

Re: Protection buying a used car private party that has a loan

If the OP is really determined to purchase, his first call should be to the seller's lender.

Have them explain the best way to handle the transaction so that his interests are protected.

I am sure these transactions happen all the time.
by bubbadog
Fri Sep 28, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: Protection buying a used car private party that has a loan
Replies: 17
Views: 1052

Re: Protection buying a used car private party that has a loan

I would suggest the following; outlined in a bill of sale, signed by both parties, prior to any funds being transferred. You pay off the lien holder directly. Upon receiving a free and clear title from the bank, the seller will transfer title to you. (Even better if you can get the title directly fr...
by bubbadog
Sat Sep 22, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Prepaid car maintenance -- Mazda -- HCOL
Replies: 21
Views: 1406

Re: Prepaid car maintence -- Mazda -- HCOL

Sounds high for what is likely maybe 3-4 oil changes and an air filter.

We have a 2 year old 2016 Mazda CX-9.

We have done two synthetic oil changes (DIY) in the last two years and 20,000 miles.
by bubbadog
Mon Sep 17, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: how do/did you teach your kids finances/investing?
Replies: 28
Views: 2310

Re: how do/did you teach your kids finances/investing?

I have teenage/college children who have part time jobs. I have an agreement with my children that I will match 100% whatever earned income they decide to save up to 50% of their earnings. For example, if they make $100 and are willing to invest/save up to $50, I will match that with an additional $...
by bubbadog
Sun Sep 16, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1202

Re: Selling car to out of state buyer- funds

Ditto for using wire transfer. Confirm money is in your account before signing over title. Certified checks can have a STOP payment put on them . Best regards Boat Except in some very rare and unusual situations, Cashiers Checks (or equivalent) cannot be stopped. An ACH transfer can be reversed, bu...
by bubbadog
Fri Sep 14, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Selling car to out of state buyer- funds
Replies: 19
Views: 1202

Re: Selling car to out of state buyer- funds

Have you considered asking the buyer to do a wire transfer instead? He/she can call their bank while the two of you are at your bank and initiate the transfer. You can confirm the funds have been received in your account by someone at your bank prior to signing over the title. I have done this befor...
by bubbadog
Thu Sep 13, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons
Replies: 21
Views: 1460

Re: Flipping a home Resident Physician flipping a home while in debt? help me weigh my pros and cons

jbmitt wrote:
Wed Sep 12, 2018 10:26 pm
Put your focus on your training. You career as a good doctor will be much more lucrative than as a first time flipper.
This! ^^^^^^
by bubbadog
Wed Sep 12, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Vacation to San Francisco, Yosemite, Sequoia
Replies: 32
Views: 1503

Re: Vacation to San Francisco, Yosemite, Sequoia

I did the San Fran/Yosemite trip with my family of four (wife and 2 teens) 2 years ago. It was a great trip and I would recommend 5-6 days at each. We started in San Fran and drove to a rental cottage near Yosemite. Came back to San Fran to fly home.
by bubbadog
Tue Sep 11, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4055

Re: How often do you guys get alignment done on your cars?

DaftInvestor wrote:
Tue Sep 11, 2018 3:44 pm
When I buy new tires.
+1
by bubbadog
Thu Sep 06, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Selling a newish vehicle yourself, how to do it?
Replies: 61
Views: 3203

Re: Selling a newish vehicle yourself, how to do it?

Whenever I read the bogglehead advice on selling a car I always chuckle. First, it assumes criminal masterminds are out for your $5k car. Then, it assumes that a normal buyer will put up with your paranoid demands instead of buying just one of the thousands of other cars available. If someone asked...
by bubbadog
Thu Sep 06, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7164

Re: Daily Driver (Car) Over 100K Miles?

2006 Toyota Landcruiser Miles 100K I expect the car to last at least another 10 years. Most of the small parts are rated for plus 250K miles The larger stuff ( engine, body, etc) are rated for plus 500K miles Change oil on time and rotate // change tires and you are good to go. This is my third LC,...
by bubbadog
Sun Sep 02, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Liability insurance for storage building
Replies: 2
Views: 280

Liability insurance for storage building

I am considering purchasing a storage building to keep my collectible cars. I would purchase the building through an LLC which I am the sole member. The building is bigger than my personal needs and I wanted to rent out a few spaces to select friends/car buddies. My questions are: 1) The building wo...
by bubbadog
Sat Sep 01, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule
Replies: 44
Views: 3946

Re: The twenty dollar rule

RickBoglehead wrote:
Sat Sep 01, 2018 1:14 pm
Use it until she files for divorce...
Dilly dilly! :sharebeer
by bubbadog
Sat Sep 01, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7164

Re: Daily Driver (Car) Over 100K Miles?

I have a 2001 Toyota Tundra that functions as my daily driver.

It has 206,000 miles and is showing no signs (knock on wood) of giving up.

Basic maintenance (fluids, filters, belts, brakes, etc.) is all I have ever done.
by bubbadog
Thu Aug 30, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: YouTube Car Reviewers
Replies: 18
Views: 2049

Re: YouTube Car Reviewers

Savage Geese is my favorite for his depth. No other reviewer is going to tell you things like whether the steering arms are stamped steel or Aluminum. He also has the best grasp of vehicle dynamics of any of the widely watched youtube reviewers. Unlike others, he regularly drives on the track. His ...
by bubbadog
Thu Aug 23, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: What would you do - Car Question
Replies: 41
Views: 2982

Re: What would you do - Car Question

It would be perfectly reasonable to replace the Sequoia with a new car. A 17 year old car is getting pretty old. The problem you recently had with the vehicle is really one of deferred maintenance. If you like the truck, what about spending some money addressing any other deferred maintenance (fluid...
by bubbadog
Thu Aug 23, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: $360k w/major decisions on the way, please help
Replies: 11
Views: 1558

Re: $360k w/major decisions on the way, please help

We don't pay much in rent right now because we live in a family owned apt. Well you snuck that little gem in there. If I was getting a deal on rent, then I would probably stay and save as much as I could assuming family member was not burdened by me staying. If you are going after public schools, y...
by bubbadog
Wed Aug 22, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16866

Re: Good Non-Boring Boglehead Cars Under $30k

+1 for Miata. Besides fun, etc. It is economical to buy and maintain. Insurance on my Miata is lower than that for our boring family cars. As my insurance agent explained, the demographics of Miata drivers is older and more mature. Miatas are great cars. I have owned one continuously since 1996. It...
by bubbadog
Wed Aug 22, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16866

Re: Good Non-Boring Boglehead Cars Under $30k

As a rule the German cars are not as reliable as the Japanese. I suppose there are a few exceptions. Can anyone name a vehicle which is fun, really reliable, practical as a DD, and quiet , for under $30k? GTI is pretty quiet if you disable the soundakator fake engine noise. Reliability is fairly go...
by bubbadog
Tue Aug 21, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16866

Re: Good Non-Boring Boglehead Cars Under $30k

Jack FFR1846 wrote:
Tue Aug 21, 2018 7:00 pm
Used?

2006 Lotus Elise.

It will make every other car mentioned in this thread seem as fun a slapping mud on a table.
Great car but a horrible daily driver. The OP needs a daily.
by bubbadog
Tue Aug 21, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 16866

Re: Good Non-Boring Boglehead Cars Under $30k

Either a Mazda 3 or a Mazda 6 seem to fit the bill perfectly.

Both are great cars and you just need to decide on which size you prefer.

Zoom Zoom!
by bubbadog
Fri Aug 17, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Best (most practical, low cost) Luggage for Airline Travel
Replies: 56
Views: 3966

Re: Best (most practical, low cost) Luggage for Airline Travel

Utvolfan1 wrote:
Fri Aug 17, 2018 3:41 pm
Travelpro. Great bags at a reasonable price. Lots of flight crews use them.
+1
by bubbadog
Wed Aug 08, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16102

Re: Will you pay for your kids' college/graduate education?

Both my wife and I had parents who supported our education. Neither of us did any jobs while getting an education. My daughter graduated from high school in 2010 and it is anticipated that by June 2019 she will have BSc, MD, MPH degrees and will start a medical residency and then support herself. W...
by bubbadog
Sat Aug 04, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16102

Re: Will you pay for your kids' college/graduate education?

Undergrad is paid for by mom and dad. My two children have plans on attending medical school. Still deciding how much of that cost I am able and willing to cover. The public student loan forgiveness program may factor into this decision.
by bubbadog
Fri Aug 03, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: 3 Levels of Wealth
Replies: 125
Views: 12163

Re: 3 Levels of Wealth

It doesn't matter how much money I have. I ALWAYS care what things cost. The difference might be that I decide that more expensive things are acceptable to buy, I but I sure pay attention to costs. I agree. I always try to get a good value whenever I purchase something. My net worth and income are ...
by bubbadog
Fri Aug 03, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: $400 for a KitchenAid microwave door latch repair?!
Replies: 11
Views: 1133

Re: $400 for a KitchenAid microwave door latch repair?!

If you can't fix it yourself, buy new. It is not worth investing $400 in a 10 year old microwave.
by bubbadog
Thu Aug 02, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Lease/ buy a second car for cost savings?
Replies: 18
Views: 753

Re: Lease/ buy a second car for cost savings?

The answer is already sitting in your driveway. Using your numbers: 70 trips at 1,100 miles per trip= 77,000 miles 77,000 miles at 25 mpg (your van) = 3,080 gallons of fuel 77,000 miles at 43 mpg (Prius) = 1791 gallons of fuel 3,080- 1,791= 1,289 gallons of fuel saved. At $3 per gallon, you would sa...
by bubbadog
Tue Jul 31, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2826

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

TxAg wrote:
Wed Jul 25, 2018 9:46 pm
I love tile, but tile should look like tile and wood should look like wood.
+1

I like things that are what they appear to be. Usually products intended to look like something else look cheap and are really easy to spot.