Search found 478 matches

by tampaite
Sun Dec 09, 2018 5:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 84
Views: 17184

Re: Tampa Bay Local Bogleheads Chapter

Please note that existing google group has been deleted.

To sign up, pls goto https://groups.io/g/tampabaybogleheads
by tampaite
Sat Oct 27, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: AC or DC motor ceiling fan
Replies: 8
Views: 1069

AC or DC motor ceiling fan

Looking at replacing several fans in our home. Existing fans have AC motor but apparently DC motor fans are quiet and are more energy efficient. Any recommendations? looking at between 54 inch to 60 inch size. Living in FL, the ability to be able to reverse the fan direction via the remote is a huge...
by tampaite
Thu Oct 25, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2541

Re: 2019 Chrysler Pacifica Hybrid

How much was the OTD price for 2018 model? Do you realize that soliciting OTD pricing on a forum like this is completely meaningless? Unless they happen to live in your exact locality, the information is useless. It helps me to know the OTD price in ways that might be useless or meaningless for you.
by tampaite
Thu Oct 25, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2541

Re: 2019 Chrysler Pacifica Hybrid

Hulu wrote:
Wed Oct 24, 2018 9:35 am
I love my base 2018 PacHy.
How much was the OTD price for 2018 model?
by tampaite
Tue Oct 23, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2541

Re: 2019 Chrysler Pacifica Hybrid

sksavers3 wrote:
Tue Oct 23, 2018 12:57 am
I could have written cville’s first paragraph- we’ve had the exact same experience wrt to mileage and such. Got the 2018 Limited (top trim) in November 2017 and have been thrilled.
How much was the OTD price for 2018 model?
by tampaite
Mon Oct 22, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2541

Re: 2019 Chrysler Pacifica Hybrid

cville wrote:
Sun Oct 21, 2018 11:48 am
We have whatever the highest end 2018 model is. It's been a wonderful car and we didn't think it was any more expensive (after the $7,500 tax credit) than similar conventional trims on the Odyssey or Sienna.
Thanks.

What sub-model did you purchase? LX or Touring or Limited?
by tampaite
Sun Oct 21, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: 2019 Chrysler Pacifica Hybrid
Replies: 30
Views: 2541

2019 Chrysler Pacifica Hybrid

Anyone have the 2019 Chrysler Pacifica Hybrid - how do you like it? and which sub-model did you purchase?

we have a Prius and considering a hybrid minivan but apparently only Chrysler makes them so looks like we don't have any other options.
by tampaite
Sun Oct 21, 2018 8:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Tampa Bay Local Bogleheads Chapter
Replies: 84
Views: 17184

Re: Tampa Bay Local Bogleheads Chapter

Link: https://groups.io/g/tampabaybogleheads

I will be shutting down the Google group by next week (10/28) as we are migrating to groups.io so please sign up with the above link above ASAP
by tampaite
Mon Oct 08, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3338

Re: Formula for when to buy in bulk

B4Xt3r wrote:
Mon Oct 08, 2018 12:35 pm
Anybody happen to know the formula? If not, I'll do some more thinking.

-B4xt3r
I think the formula is called 'common sense'. That said, buy anything in bulk if you know you'll consume whole of it(everything) and not waste anything.
by tampaite
Sun Oct 07, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Planning with around 500K ( helping a friend)
Replies: 11
Views: 1126

Re: Planning with around 500K ( helping a friend)

He is in his early 50s and has saved roughly around 500k or so. He has 1 kid in college and another one coming up soon and a third in the 4th grade. Single earner making around 220k ( approx) in a consulting job . I cannot go overboard in trying to raise his spirits as he knows I have saved more th...
by tampaite
Wed Oct 03, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Yet Another "Can I Retire Yet" Thread
Replies: 40
Views: 4887

Re: Yet Another "Can I Retire Yet" Thread

I feel insecure because what I'm figuring sounds much too good to be true and, naturally, I feel that I'm missing something. I'm hoping someone will point out to me what that "something" might be. Debt : home is paid off Current Total Investable Portfolio (i.e., not including our home): $3.4MM With...
by tampaite
Wed Oct 03, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4528

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

Thanks.

What is the open/close fee of $300? Who is paying for it?
by tampaite
Tue Oct 02, 2018 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9242

Re: My biggest mistake - market timing

With the market at peak level, i am not sure when to enter into the market. We have about 600k sitting in cash now. What would you do if you were in my shoes? Well, if market had tanked 40% in 2017 or after your withdrawal, wouldn't you be glad? No one has Crystal ball so you did what's best for yo...
by tampaite
Tue Sep 25, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Offer 3.5% to entice buyers agent
Replies: 12
Views: 1506

Re: Offer 3.5% to entice buyers agent

I’m looking at selling our house because of a job opportunity in another city. Thinking about using an MLS listing service to save in the selling agent fee. My understanding is that it is standard to offer 2-3% to the buyer’s agent. I’ve also read that buying agents will sometimes skip over listing...
by tampaite
Sat Sep 22, 2018 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Out of Market
Replies: 23
Views: 3465

Re: Out of Market

Never thought I would walkway from the market but at the age of 78 with health issues I decided to maintain about 10% of my assets in stocks (currently own) and another 10% in high rated corporate bonds (currently own) yielding 4-5%. I also keep 10% in cash for emergency (2% Vanguard Prime MM). I a...
by tampaite
Wed Sep 19, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?
Replies: 83
Views: 7641

Re: Should we temporarily reduce our retirement contributions in order to pay off our $400k mortgage in 7 years?

We have a $397k mortgage (4.75% interest, 30 year fixed) that we just opened in June 2018. Our thought is this: If we reduced our contributions to our 401ks down to 5% to get the employer match, we could get about $1600 extra per month (after taxes) in our takehome pay to throw at the mortgage. Tha...
by tampaite
Thu Sep 06, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: How Big of a Mortgage Should We Get?
Replies: 41
Views: 3182

Re: How Big of a Mortgage Should We Get?

IMO based on your posting, pay cash and be done with it and then start to increase your emergency fund. Home improvements can wait after you move into the home.
by tampaite
Thu Aug 09, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Insurance refusing to pay for car accident
Replies: 26
Views: 2551

Re: Insurance refusing to pay for car accident

smalhotra2000 wrote:
Wed Aug 08, 2018 11:13 am
What can I do to get Liberty Mutual to pay the claim?
You missed to provide key detail. what does the police report say?

It's called chain of causation.

You should go after Car C and if they don't have insurance, you can sue them in civil court but that's about it.
by tampaite
Wed Aug 08, 2018 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

+1,000. A) A college education is not the only way to achieve success in life. Sometimes, it is not even the best way. And, even if the college education is a way for your kids, it is not necessary the best way to help your kids by spending all the money on an undergraduate education. B) The colleg...
by tampaite
Wed Aug 08, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

I guess we have different opinions and values on being a responsible parent. I'm not against paying college expenses for kids but it's not my default method of helping them grow in their early adulthood. My wife and I talked about this at great length and decided that when the time comes, we will s...
by tampaite
Wed Aug 08, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

It's easy to throw your money at something. But don't mistake it with parenting or the lack thereof. I supported myself throughout college and grad school. I had 5 jobs, including 2 that were related to my field of study. I graduated with 4.0 GPA and had no debt coming out of school. My wife did it...
by tampaite
Wed Aug 08, 2018 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

Huh? Really? And where does this responsibility of parents to fund whatever their offspring want to do end? Sorry to be bearer of bad news. It would be, when you die or when you think you have seriously prepared your offspring to lead an independent life. You state your opinion as if it were law. S...
by tampaite
Wed Aug 08, 2018 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

stoptothink wrote:
Wed Aug 08, 2018 1:42 pm
Huh? Really? And where does this responsibility of parents to fund whatever their offspring want to do end?
Sorry to be bearer of bad news. It would be, when you die or when you think you have seriously prepared your offspring to lead an independent life.
by tampaite
Wed Aug 08, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2224

Re: Selling a used car

Thegame14 wrote:
Wed Aug 08, 2018 1:32 pm
What do you mean no A/C? the A/C works, it just has a toggle switch now instead of the button on the dash.
Sorry, i thought that was a work-around(to bypass the sensor) and not an actual fix.

if it doesn't sell, you may have to lower the price but I'd be inclined to just donate it at this point.
by tampaite
Wed Aug 08, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2224

Re: Selling a used car

Simple - No A/C, no one will buy unless you are a DIYer. OP said he was in NJ, not Tampa :). For older, very cheap cars, it wouldn't be that unusual to not have A/C. This is an older and cheap car - 1997 and yet no buyers. A/C was just an example . replace with "car needs work, no one will buy unle...
by tampaite
Wed Aug 08, 2018 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Career Move: Large Bank to Small Bank, Yes or No?
Replies: 17
Views: 1725

Re: Career Move: Large Bank to Small Bank, Yes or No?

The title will be same and pay increase is ~ 4% at the new role My gut feeling is you already knew the answer before posting. Anyway, with same title and small raise unless you fancy the bank name(similar to hey, i work for Apple) - I don't think it will work out for you. I like the new job because...
by tampaite
Wed Aug 08, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Selling a used car
Replies: 49
Views: 2224

Re: Selling a used car

It is a 1997 Camry, with 157K miles on it. Drives great, new front tires, newer radio with Bluetooth. It has one main issue, a few years ago the A/C stopped working Now between the AC and the water damage, it seems to be hard to sell. I have it listed on Craigslist and Cars.com for $1,250 now, list...
by tampaite
Wed Aug 08, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: When is leaving your job that pays well a good idea?
Replies: 74
Views: 7457

Re: When is leaving your job that pays well a good idea?

1) Sitting at a desk for 40 hours per week can often feel soul crushing. I’ve already done this for more than a decade and can’t imagine a lifetime spent for 40 working years plopped in front of computer monitors at a desk. This is unscientific but maybe helpful. :D Given that you are sitting at yo...
by tampaite
Wed Aug 08, 2018 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16232

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

I'm curious how much will you support your kids. If yes, to what extent? Part of tuition, in-state full tuition, private university tuition, living expenses? Not sure why this is even a Q to begin with. ALL inclusive - maybe will start cutting back once they find an on-campus job or side-gig that w...
by tampaite
Tue Jun 19, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 2951

Re: Would you pay off mortgage in my situation?

Pay it off and be done with it and then focus your time & energy on other things.
by tampaite
Tue Jun 19, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: ARM options, thought process
Replies: 8
Views: 922

Re: ARM options, thought process

I like option 2, pay 25% off each year so come 2022 you would have negligible mortgage
by tampaite
Wed Jun 13, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6358

Re: Anyone with a paid off house drop homeowners insurance

Every year I have the same dilemma. My home insurance is due for renewal next month. And I just hate writing a check for $700 a year for a house appraised at approx. $240,000 when I could self insure if the whole thing burned down. And I basically I don't trust insurance companies, they are out to ...
by tampaite
Thu Jun 07, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Death - Prediction
Replies: 63
Views: 4389

Death - Prediction

At what age do you think you'll die and how much money would you intend to leave behind for your kids and spouse? For some with chronic condition, it might be easy to answer similar to some with challenging professions think soldiers This is a rhetoric question but I hope to spark debate about savin...
by tampaite
Tue May 22, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6231

Re: Florida Living

Our family of 3 (in our mid 30's with a child almost 5 years old) is considering moving from the north east to Florida but need some help zoning in on specific areas. You haven't provided the important details. what's your budget to buy a home? or will you be renting? are you self-employed or will ...
by tampaite
Tue May 22, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a new car?
Replies: 46
Views: 3331

Re: Should I buy a new car?

I like to think that I'm generally a frugal person, but I do have some financial weaknesses, one of them being cars. Awhile back I saw a Jaguar XE in person and since then I've been lusting away. I don't really spend a lot of money, so at this point in my life it's kind of just piling up in taxable...
by tampaite
Fri May 18, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 45
Views: 5137

Re: Do I pay towards my mortgage or invest?

Hi everyone, I got a good tax refund this year - a little over $10k. I have a mortgage of $480k @ 3.875% (30 yr fixed). I am thinking about putting this 10k towards the mortgage, and from my calculations, I save about 20k in interest over 30 years. Pay down the mortgage. No brainer. Nothing guarant...
by tampaite
Wed May 16, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 12061

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

We just realized that the 401k contribution limit is $55K. We always thought it was $18.5K, but just found out that $18.5K is the elective deferral portion but we can choose to contribute to it on a post-tax basis. A bit late to the game... :oops: Theoretically, if we are able to, should we max out...
by tampaite
Wed May 16, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1666

Re: Selling land FSBO help please

I have some residential land that I'd like to sell and considering FSBO. I know this has been discussed several times on this forum but I didn't see anything in regards to bare land. It seems land lends itself to FSBO better than homes because you don't have to let anyone in. Any tips? What is the ...
by tampaite
Mon May 14, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage question: 20% down or larger down payment?
Replies: 47
Views: 5582

Re: Mortgage question: 20% down or larger down payment?

I have asked a few questions earlier about mortgages in the US and everyone has been very helpful. Now that we are deciding to get a place I wanted to know if there was any advantage to a larger down payment vs 20%? Neglible. The right question maybe will I save thousands if I get a 10 yr vs 15 yr ...
by tampaite
Mon Apr 02, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Phone recommendation(GSM and CDMA)
Replies: 11
Views: 1837

Re: Phone recommendation(GSM and CDMA)

bloom2708 wrote:
Mon Apr 02, 2018 1:50 pm

Do you intend to have two SIMs in the phone at the same time? Verizon and AT&T.
Nope. just 1 sim but wanted flexibility to switch carriers if needed and also potential international travel.
by tampaite
Mon Apr 02, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 8353

Re: Asking for a raise/promotion with another offer in hand

The pay is $20k more than I am making now with a better 401k match and comparable benefits. I would say that my current company is a bit more stable, that's the only con of the new company. I am willing to accept the offer, however I would really like to stay at my current company if they were will...
by tampaite
Mon Apr 02, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: Phone recommendation(GSM and CDMA)
Replies: 11
Views: 1837

Phone recommendation(GSM and CDMA)

Need a phone that works with both GSM and CDMA and my budget is between $200 - $250(new or used phone is fine).

I heard iphone 6+ has both bands. Any other phones? Would like a recent phone so it's in line for any future updates by manufacturer.
by tampaite
Tue Mar 20, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Worthless Securities - how to close my account?
Replies: 2
Views: 542

Worthless Securities - how to close my account?

I have an account with an online broker and am unable to close my account since I have a worthless security and the broker says they can't write off since the CUSIP number has a transfer agent assigned and I need to call Corporate Stock Transfer @ 303-282-4800 Online broker is allowing me to transfe...
by tampaite
Mon Feb 12, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 24945

Re: I bought a stock today - Redfin (RDFN)

I know a couple of real estate brokers here and they generally have clients already in the queue who would be interested in a home coming onto the market, and we've already talked about strategies to encourage above-price offers. so you are basically looking to inflate your assest price? Am sure th...
by tampaite
Sun Jan 28, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1761

Re: Buying rebuilt/salvage vehicles on Ebay

I unknowingly and regrettably purchased a salvaged car. It was not a good value. Some things were never right, the non-disclosed repaint was of terrible quality and began peeling after a couple years, and overall reliability suffered. Value-wise, I think one is better off buying a new, reasonable c...
by tampaite
Sun Jan 28, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Buying rebuilt/salvage vehicles on Ebay
Replies: 22
Views: 1761

Buying rebuilt/salvage vehicles on Ebay

Has anyone bought rebuilt or vehicles with salvage titles? Some of the vehicles listed look spanking new. However, most seem to have flood damage or water damage or unknown damage(that I can't look up via VIN online). Not sure if there is a difference between flood damage vs water damage. Any tips t...
by tampaite
Thu Jan 18, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7734

Re: Looking for a reasonably priced, safe international destination

I live in the DC area (DCA, IAD, BWI). Have two young kids, 6 and 3. Have up to a week off. I only speak English. The trip will be first week of May. Wants: Safe for the family Not too expensive Outside the US I was thinking Iceland. Any other destinations that fit this bill? Thanks! Cairo, Egypt -...
by tampaite
Thu Jan 11, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 13420

Re: Is it time for me to "call in rich"?

Now we're at at $3.2 million! Our target retirement spending is around $65k per year, not counting health insurance. If we qualify for ACA subsidies, we can get a package for about $4k max out of pocket per year, which would be great! If not, we're looking at potentially $30k out of pocket per year...
by tampaite
Thu Jan 11, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 2009

Re: Kenmore Washer Dryer

Life is full of trade-offs. I will gladly pay more for my water bill (a whopping $2.33/month based on our usage @ 20 gallons/load) to have a quality machine that cleans well, and lasts. That's what they told about Hummers and I don't see any on the roads these days. Anything that's not efficient wi...
by tampaite
Thu Jan 11, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Kenmore Washer Dryer
Replies: 29
Views: 2009

Re: Kenmore Washer Dryer

We are looking at MayTag washer/dryer combo. We looked at SpeedQueen and passed up due to the machine being a waterhog. It might clean your clothes well but you'll spend on paying for water more throughout it's lifetime. Not sure why so many posters recommend SpeedQueen - perhaps, they need to check...