Search found 304 matches

by KT785
Mon Jul 15, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 68
Views: 3611

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see w...
by KT785
Mon Jul 15, 2019 9:02 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 68
Views: 3611

Re: Anyone buy the Nissan Rogue over the Honda CRV???

We are seriously considering trading our 2016 Honda Accord in for a 2019 Subaru Outback Limited. The seats in Accord have gotten very uncomfortable. We like the looks of the Outback. Test drove it Saturday; 6 cyl; handled well; good pickup onto the interstate; nice display with "knobs". We'll see w...
by KT785
Mon Jul 15, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 68
Views: 3611

Re: Anyone buy the Nissan Rogue over the Honda CRV???

There is a Subaru dealership also next to the Honda dealership, but their SUVs are all "All Wheel Drive". I would rather save the $$ and get a front wheel drive car. I do not drive off roads and the northern Virginia roads get cleared quickly with snow so no need for "All Wheel Drive". Have you pri...
by KT785
Thu Jul 11, 2019 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 7381

Re: Has anyone inherited a obligation/burden/responsibility?

sleepwell wrote:
Thu Jul 11, 2019 8:05 pm
I don't know that my adult children want them but I hate to toss things like the diplomas and baptismal records.
If the related school and churches are still in operation, they might be willing to accept those items.
by KT785
Mon Jul 08, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 27
Views: 2162

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

We bought a two-year old home in February and called the installer to activate and set up monitoring (previous owners never activated the hard-wired system). We used Brinks (formerly LiveWatch) at our old house, which I installed myself, but the rates offered by the local installer were comparable o...
by KT785
Fri Jul 05, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3344

Re: buying a 60 or 65 inch tv this weekend. which one?

I am going to replace my 15 year old Pioneer Elite TV. There are sales at Best Buy. I want a 60 or 65 inch tv with youtube TV and amazon Prime movies. I don't do any gaming. I don't need Alexa to tell me to turn on the tv. I just want a reliable inexpensive tv that will last for 15 years. Here are ...
by KT785
Wed Jul 03, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1465

Re: inkjet printer recs

I'd recommend a laser printer instead of a inkjet. I have a Brother (black and white) multifunction (print, scan, copy) and had a standalone Brother laser printer before that. Both machines work wonderfully, text printing looks better from a laser printer than inkjet, and toner lasts longer (doesn't...
by KT785
Wed Jul 03, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent of Households earning over $100k are millionaires?
Replies: 13
Views: 1963

Re: What Percent of Households earning over $100k are millionaires?

To illustrate why income and net worth aren’t that correlated, think of all the people who have million dollar homes that are paid off in high COLA states (either by paying off a mortgage years ago or by inheritance). Owning an expensive house has nothing to do with one’s income, in these cases. Al...
by KT785
Fri Jun 28, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Standalone Umbrella Policy
Replies: 11
Views: 968

Re: Standalone Umbrella Policy

Hi friends. I’m in the market for a stand-alone umbrella policy for my wife and I. We used to use All State and had it bundled with our auto insurance but we no longer have a car and they don’t seem to offer standalone policies. I haven’t been able to find any companies that offer standalone option...
by KT785
Mon Jun 24, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: Dollar General
Replies: 26
Views: 2498

Re: Dollar General

The land acquisition has to be fairly cheap. The land is in the middle of no where and the building design is basically a huge rectangle...so building costs have to be low. My understanding is that DG doesn't own many/any of these new stores--my recollection is that all these new "pole-barn" type s...
by KT785
Mon Jun 24, 2019 10:59 am
Forum: Personal Investments
Topic: 401k Fund Selection Help
Replies: 3
Views: 302

Re: 401k Fund Selection Help

If possible please post links to the fact sheet for each fund. Thanks ruralavalon, I updated my original post to include links to the morningstar fact sheets I have access to for each of the funds, including the 2050 fund. I'm a bit more aggressive than you re: bond allocation and am leaning toward...
by KT785
Mon Jun 24, 2019 9:28 am
Forum: Personal Investments
Topic: 401k Fund Selection Help
Replies: 3
Views: 302

401k Fund Selection Help

Looking to the collective wisdom of the community to help determine fund selection in my wife’s and my 401ks (same mega-corp). Omitting the major outline of our financial situation for simplicity—though I may start another thread later for additional advice—but here’s quick summary of the salient de...
by KT785
Tue Jun 04, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

Apple, Costco, and Subaru are the greatest examples of branding in the modern age. The loyalty of consumers to those three companies is fascinating to me. I was a Costco customer for many years, it simply doesn't meet our needs so I gave it up about 4yrs ago. As an Apple aficionado and Subaru owner...
by KT785
Tue Jun 04, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

My local Sam's Club closed up a few years ago due to "competition and lack of business". The competition is a Costco store which is successful. I just bought gasoline at Costco at 40 cents per gallon below the prevailing neighborhood price. In my neck of the woods, gas is consistently the same pric...
by KT785
Tue Jun 04, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8578

Re: Costco or Sam's Club?

Wife and I have both memberships, won't likely be renewing Costco next year though. We've had a Sam's (Plus) membership for a number of years now and recently moved to a new city with a number of Costco locations nearby so we figured we'd try it out for a year and see what all the to-do was about. A...
by KT785
Mon Jun 03, 2019 11:56 am
Forum: Personal Investments
Topic: Proactive Backdoor Roth IRA Contribution
Replies: 6
Views: 259

Re: Proactive Backdoor Roth IRA Contribution

Thanks everyone!
Will be making the move later today. :sharebeer
by KT785
Mon Jun 03, 2019 11:40 am
Forum: Personal Investments
Topic: Proactive Backdoor Roth IRA Contribution
Replies: 6
Views: 259

Re: Proactive Backdoor Roth IRA Contribution

I won’t bore anyone with my income computations, but I believe we’ll be close to the MAGI cutoff for 2019 . . . a little over or a little under. Accordingly, is there any reason I shouldn’t go ahead and make proactive, backdoor Roth IRA contributions? Do either of you have any tIRAs with pre-tax mo...
by KT785
Mon Jun 03, 2019 10:55 am
Forum: Personal Investments
Topic: Proactive Backdoor Roth IRA Contribution
Replies: 6
Views: 259

Proactive Backdoor Roth IRA Contribution

Looking for confirmation that this approach is appropriate. My wife and I (30/31) have been maxing-out our Roth IRAs for a few years but late last year, I accepted a position with a new company that increased my salary by 50% and included a $10,000 sign-on bonus. In addition to this, the company pro...
by KT785
Fri May 31, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Chipped windshield getting worse
Replies: 16
Views: 832

Re: Chipped windshield getting worse

You'll likely need to replace it. Just be aware that for windshield replacements, the OEM glass is often thicker and hence quieter. That may or may not be worth the price premium to you. Generally cheaper to have someone other than the dealer do the actual labor to replace it. Agree re: OEM vs. aft...
by KT785
Fri May 31, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Chipped windshield getting worse
Replies: 16
Views: 832

Re: Chipped windshield getting worse

Thanks, guys. I did the online quote with safelite and got a quote of $230 for a total replacement (out of pocket) as I don't have comprehensive coverage on my car (car paid off for a while and not worth much) . Does $230 sound like a reasonable price? Does the quote include installation at your ho...
by KT785
Fri May 24, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Should I buy my leased Subaru Outback?
Replies: 18
Views: 809

Re: Should I buy my leased Subaru Outback?

2019 is $32,000 2019 is the last year of the current generation and accordingly, you should be able to snag one (well-equipped/Limited) for under $32,000 if you shop around (i.e., email negotiation) or possibly if you have access to the Subaru VIP Program. Check out the Subaru Outback forums for th...
by KT785
Tue Apr 30, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5427

Re: Chiropracter career no longer lucrative...what other job options are there?

It's a loooong way from DC to MD, and not cheap either. And that's assuming a resume that would get you into medical school in the first place. My cynical assumption is that if had the grades/resume to become an MD/DO then he wouldn’t have become a Chiropractor at the outset. What about becoming a ...
by KT785
Sun Apr 28, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 2505

Re: Best electric cordless lawn mower for medium sized yard?

Too much yard for an electric or reel mower here, but if I had a smaller lot like you, I’d probably go for the Fiskars reel mower.

For cordless electrics, The Lawn Care Nut did a review of an Ego that might be helpful.
by KT785
Wed Apr 24, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1216

Re: Digital Nomad - Automobile Insurance Issues

She could do what many full-time RVers do and establish state residency and a physical address through Escapees or a similar organization.

KT785
by KT785
Wed Apr 24, 2019 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 14
Views: 978

Re: Experience with Better Mortgage

Navy Fed may be worth checking out if you qualify for membership--a parent/grandparent with prior military service (amongst other qualifiers) will suffice even if that family member isn't a Navy Fed member. I was in the Navy, so used to be an NFCU member. Unfortunately, they were one of many credit...
by KT785
Wed Apr 24, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Experience with Better Mortgage
Replies: 14
Views: 978

Re: Experience with Better Mortgage

We shopped (and almost chose) them for our purchase mortgage in January/February. At the time, they had some of the most competitive rates and relatively low closing costs compared to most of the lenders we shopped. I also like the folks I dealt with over the phone and the web interface; everything ...
by KT785
Mon Apr 15, 2019 3:14 pm
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 10293

Re: seriously thinking about leaving S. CA but where to?

Californians go to Las Vegas, Reno, Phoenix, Tucson, Flagstaff, Salt Lake City, Utah Valley, Austin , Denver, Boise, Portland, Seattle ... [among others]. None are a coastal Mediterranean climate. Texas! no personal income tax no corporate income tax lower cost of living Austin, Texas’s capital cit...
by KT785
Tue Apr 02, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 278
Views: 27643

Re: "The best and worst U.S. states for retirement"

All that said, I've always thought it's a shame far southern Illinois (~250 to 300 miles south of I-80 for all the Chicagoans out there :D ) isn't more of a retirement destination. The Shawnee National Forest region is beautiful country that doesn't fit the cornfields stereotype of much of the stat...
by KT785
Fri Mar 29, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Refinance immediately following closing on home
Replies: 6
Views: 512

Re: Refinance immediately following closing on home

cashisking500 wrote:
Fri Mar 29, 2019 8:10 am
Bankrate and others have various online lenders offering up 30 year mortgages at 3.75%, most with limited or no fees at all.
No guarantee you'd get the advertised rates (could be teaser rates); I also wonder how many points you'd need to buy to get those rates.
by KT785
Wed Mar 13, 2019 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards that can beat the Citi doublecash?
Replies: 64
Views: 6693

Re: Any credit cards that can beat the Citi doublecash?

HIinvestor wrote:
Wed Mar 13, 2019 10:25 pm
Our main card is USAA 2.5% cashback, provided you have at least $1,000/month direct deposit. There is no annual fee. My dad served in the military.
Unfortunately, that card was closed to new applicants a year or so ago.
by KT785
Sun Feb 03, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3917

Re: The real dog food diet...

We primarily feed Orijen to our Vizsla along with periodic supplementation of Stella & Chewys as a topper for additional protein/calories. I'm a long distance runner and my dog runs most of my weekly miles with me so appropriate nutrition (and enough protein) is important for performance . . . . and...
by KT785
Mon Jan 07, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1751

Re: House hunting in San Antonio (relocating from IL) - What to watch out for?

I don't know if San Antonio has the same foundation problems that often plague homes in DFW and Houston. Thanks Random Poster--this is the kind of thing I'd heard about from folks who'd moved to DFW and was curious if San Antonio had similar problems . . . this is ultimately what sparked my initial...
by KT785
Mon Jan 07, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: House hunting in San Antonio (relocating from IL) - What to watch out for?
Replies: 31
Views: 1751

House hunting in San Antonio (relocating from IL) - What to watch out for?

Note: I'm also scouring the city-data forums for info as well, but find the feedback on Bogleheads is more thorough, though number of replies may be more limited. My wife and I (31 & 30, no kids (yet, but soon)) are moving from northern/central Illinois to San Antonio at the end of the month--I star...
by KT785
Wed Jan 02, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to online banking (Ally)
Replies: 35
Views: 1974

Re: Moving to online banking (Ally)

One thing that Ally has and Barclay's does not is 24/7 CS hours. Personally I do not have an account with Ally due to its policy of credit check when opening an account. Is the credit check a new requirement? My wife and I opened our Ally (checking and savings) accounts in/around 2014 and don't rec...
by KT785
Wed Dec 12, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Is a New Car Okay if Driven 15+ Years?
Replies: 91
Views: 7723

Re: Is a New Car Okay if Driven 15+ Years?

Especially for Toyotas and Hondas I found there is not much advantage in buying a 2-3 year old car. Price incentives on new cars are often quite attractive. Agree wholeheartedly and would add Subarus to the mix as well . . . Subarus, Toyotas, and Hondas don't typically depreciate rapidly enough to ...
by KT785
Tue Nov 27, 2018 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Current Job with Pension vs. New Job with Great 401(k)
Replies: 6
Views: 621

Re: Advice Needed - Current Job with Pension vs. New Job with Great 401(k)

For $2900/year I would not think twice about leaving... I was assuming it was in the five figures at least. Provided you can find a new job you enjoy, of course. I wouldn't bother factoring in a retirement date as it's much too far in the future and life has a habit of getting in the way when you m...
by KT785
Tue Nov 27, 2018 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Current Job with Pension vs. New Job with Great 401(k)
Replies: 6
Views: 621

Re: Advice Needed - Current Job with Pension vs. New Job with Great 401(k)

Lots of information but without a crucial piece: What is the vested benefit right now, and what is the projected benefit if you stay (and I would project it out in 3-5 year increments)? And is it COLA'd? Will you still get SS? Current benefit is around $2,900 per year if I left now and don't take t...
by KT785
Tue Nov 27, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Current Job with Pension vs. New Job with Great 401(k)
Replies: 6
Views: 621

Advice Needed - Current Job with Pension vs. New Job with Great 401(k)

Looking for some input on comparing a current job with DB pension to new opportunity with likely higher salary/bonus and more robust 401(k) matching. Currently employed by a company that provides traditional DB pension plan (fully funded, and paid for completely by the company) along with a 401(k). ...
by KT785
Wed Nov 07, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to deposit cash in online account with no local branch
Replies: 45
Views: 4911

Re: How to deposit cash in online account with no local branch

You could maintain an account with a local credit union (no/low fees or minimums) for such situations, though you may need some minimal activity periodically to keep the account from being closed. If you make cash deposits and ACH them to your online account at Schwab every few months, it probably m...
by KT785
Fri Nov 02, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance Recommendations?
Replies: 11
Views: 1063

Re: Pet Insurance Recommendations?

We have Healthy Paws for our 10 month old Vizsla; just made the first claim (still haven't hit the deductible) for a pukey puppy issue . . . all better the next day :D . Claims are handled through their app and process was easy. I narrowed my search down to Healthy Paws and Trupanion; premiums were ...
by KT785
Wed Oct 31, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: First Born - Financial Changes?
Replies: 6
Views: 810

Re: First Born - Financial Changes?

Do you have sufficient life insurance for you and your wife?
by KT785
Tue Oct 30, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: Highlander or Murano 2018 ..
Replies: 36
Views: 2537

Re: Highlander or Murano 2018 ..

I did look at Subaru. I wanted 2018 Outback 3.6 R but there was zero rebates. TrueCar lists the market average for a 2018 Subaru Outback 3.6R Limited w/ Eyesight (at least in the Chicagoland area) as $34,331 . . . a fair bit cheaper than either the Highlander or Murano options you list. If you leve...
by KT785
Tue Oct 23, 2018 4:03 pm
Forum: Personal Consumer Issues
Topic: Vehicle to vacation w/dogs (staying in hotels/VRBOs)
Replies: 32
Views: 2543

Re: Vehicle to vacation w/dogs (staying in hotels/VRBOs)

While they are technically RVs, I wonder if a small camper van might resolve the issue (and provide additional flexibility to you and DW).
by KT785
Wed Oct 17, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1604

Re: To replace old Volvo

My Volvo s70 2000, which I had hoped to keep forever, is beginning to require very expensive repairs. I may have to replace it. However, I'm a senior citizen and may not be driving for more than another five years or so. What do you recommend as a safe replacement? I'm a Subaru guy and would recomm...
by KT785
Tue Oct 16, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2669

Re: Pet Insurance company recommendation

Just out of curiosity, what made you folks seek out pet insurance? I was always of the opinion not to insure against things I can afford. Do you envision extremely large vet bills in the future? I sought out pet insurance to address the risk that my dog may need much more expensive medical care in ...
by KT785
Tue Oct 16, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2669

Re: Pet Insurance company recommendation

I am sorry for your loss. It always hurts to lose a beloved pet. Thank you very much for your information. I have done Yelp reviews on both companies, and visited a rating site or two. It may come down to the deductible options offered. With german shepherd dogs, genetic issues such as elbow and hi...
by KT785
Tue Oct 16, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 23
Views: 2669

Re: Pet Insurance company recommendation

We have Healthy Paws for our 9 month old Vizsla but haven't filed a claim yet. We lost our 11 year old Lab in March after a year of battling a myriad of illnesses and a suspected brain tumor; while I know we did everything appropriate for her (and moreso) there's still a nagging feeling that we coul...
by KT785
Fri Oct 12, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 9066

Re: Simplisafe Home Security System

Thank you so much for the replies! I honestly will probably just go with entry sensors, one glass sensor, and an extra siren on an accessible window to outside for a child. I just don't want any headaches with false alarms and I don't want anything complicated when we are in "home mode". I am going...
by KT785
Thu Oct 11, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Simplisafe Home Security System
Replies: 55
Views: 9066

Re: Simplisafe Home Security System

Hi all, Just reviving this thread to see if there are any updates. Considering this as a simple way to keep my smallish home secure. Mostly just a few entry sensors. A little nervous about false alarms. Thanks! I don't have a SS system but heavily looked into them about a year and a half ago; ultim...
by KT785
Mon Oct 08, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 185
Views: 43914

Re: GEICO auto rates vs. USAA: too good to be true?

Not sure if this is good coverage, but I have had GEICO since 2015 and the price for 6 months has always been close to 500 for 6 months for 2 cars.I have looked at others but the rates were atleast 200 extra in the range of 700 for 6 months for the same coverage. Any comments on the coverage? I'd w...