Search found 764 matches

by strafe
Tue May 22, 2018 5:18 am
Forum: Personal Consumer Issues
Topic: Factory Five build cars
Replies: 1
Views: 153

Re: Factory Five build cars

Do you want to build one? Have the mechanical skill to do so? The space? The time? If you’re simply trying to save my money, this is the wrong approach. You can buy an assembled FF car for far less than the time/money you’ll spend on building yourself. You do it yourself because that’s your passion.
by strafe
Fri May 18, 2018 7:52 pm
Forum: Personal Consumer Issues
Topic: Attic HVAC: fan doesn't work in AUTO mode and AC on
Replies: 6
Views: 535

Re: Attic HVAC: fan doesn't work in AUTO mode and AC on

I agree with just frank: This is most likely a thermostat problem. There is only one fan control line coming out of the thermostat. It is either on or off. However, you can have some more advanced systems that control the fan asynchronously from the control of the condenser. This is usually done fo...
by strafe
Thu May 17, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2141

Re: Do I pay towards my mortgage or invest?

Anyone who has ever applied for a HELOC, a mortgage or even a credit card understands this. A lot of people lean on this to justify not paying down debt because it doesn't feel as good as leveraging into stocks. But the transaction costs to take out a $10K loan are simply not that high. Of course t...
by strafe
Thu May 17, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2141

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. Other options are - build a deck, take care of som...
by strafe
Thu May 17, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2141

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). Here's one way you may have already (accidentally) answered this question for yourself. At any point since you get your mortgage, you likely had the option to borrow $10K against ...
by strafe
Tue May 15, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Term life-is this reasonable price?
Replies: 10
Views: 857

Re: Term life-is this reasonable price?

check term4sale.com
by strafe
Sat May 12, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: hedge trimmer
Replies: 7
Views: 406

Re: hedge trimmer

I strongly recommend the Ego line of electric tools, carried at Home Depot and others. Lineup includes hedge trimmer, leaf blower, string trimmer, chain saw, and lawn mower, as well a "power head" system that includes pole saw, string trimmer and edger attachments.
by strafe
Fri May 11, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4308

Re: Anyone buy carbon offsets when flying?

If I were that concerned about my carbon footprint, I wouldn't fly at all. I wouldn't drive either - I'd walk to my destination :happy Seriously, though, the plane will fly and use the fuel whether or not you are on board (unless everyone decided to cancel their reservations.) Yup, I already walk t...
by strafe
Fri May 11, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: how to figure that shoes need replacing
Replies: 30
Views: 2142

Re: how to figure that shoes need replacing

I have these pair of ecco dress shoes that I wear to work on alternate days. So ~10-12 full days per month How do you figure that you need to change them and buy new ones. Sometimes my feet hurt but other days they don't. So i don't know if the feet hurting is because of shoes or because I was stan...
by strafe
Fri May 11, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: When to replace a car windshield
Replies: 27
Views: 1674

Re: When to replace a car windshield

This may sound stupid, but have you tried cleaning the windshield? Mine gets like that too when it's dirty, always amazes me how clear it is once I clean it, which admittedly, I don't do as often as I should. I probably take my car to get washed 1x a month Not a stupid suggestion at all. These are ...
by strafe
Fri May 11, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4308

Re: Anyone buy carbon offsets when flying?

In before the lock...

If you actually want to lower your carbon footprint, rather than just feel pious, you should become a vegetarian.
by strafe
Fri May 11, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: New Car Suggestions: BMW Crapping Out
Replies: 61
Views: 5332

Re: New Car Suggestions: BMW Crapping Out

Now that you have fixed the BMW, you could consider keeping it.

CX-9 gets the best ratings of the non luxury large SUVs.
The MDX would be a safe bet if you want something a little nicer.
Also consider the Tahoe / Yukon.
by strafe
Thu May 10, 2018 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff mortgage early or save?
Replies: 27
Views: 2984

Re: Payoff mortgage early or save?

I've always felt that, unless and until you can make one lump sum payment to eliminate the mortgage, you should hold on to extra cash. The bank isn't interested in the fact that you're 12 months ahead of where you should be on your mortgage; your payment is due every month on the 1st. Lose your job...
by strafe
Wed May 09, 2018 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Another Vehicle Question
Replies: 31
Views: 1595

Re: Another Vehicle Question

I'm not convinced the Expedition is larger for the passengers than your existing van. The Expedition is mostly for people who need a truck that can haul a lot of people, or for people who just want the look. With 3 kids of similar age I cannot imagine how you are 'outgrowing' the van. We make do in...
by strafe
Wed May 09, 2018 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying out car lease loan
Replies: 11
Views: 1145

Re: Buying out car lease loan

You should explore other lenders. Unless the manufacturer’s captive bank offers an exceptional rate or waived lease termination fees, I can’t fathom why anyone would want to deal with these titling hassles. Lightstream, for example, places no lien; you can title it however you wish.
by strafe
Thu May 03, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: IBR student loan repayment question
Replies: 4
Views: 383

Re: IBR student loan repayment question

Let's say it's IBR. Borrowed amount = 100k. After several years of making IBR payments, the balance = 115k. Income then goes above threshold. Payments cannot exceed amount under what a normal 10 year payment schedule would be...so 115k amortized over 120 months...or is it 100k amortized over 120 mo...
by strafe
Fri Apr 20, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 33
Views: 2436

Re: Car for 23 year old

Consider a lightly used Hyundai Sonata
by strafe
Fri Apr 20, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: Car for 23 year old
Replies: 33
Views: 2436

Re: Car for 23 year old

Used Lexus ES. Find the nicest one owner with low miles in your price range. I recently bought an 05 ES 330, 75k miles. $7k Beautiful car. Toyota reliable. Till the repair bills come Why do you say that? The ES330 is a Camry with a nicer interior. I’ve never though of Toyotas as expensive to keep o...
by strafe
Thu Apr 19, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Car value: old car with low mileage
Replies: 22
Views: 1553

Re: Car value: old car with low mileage

Please come back after the sale and let us know what happens. It seems like just about any car in good shape without mechanical problems should be worth at least $3-4k for private party sale. On the other hand, you'll be competing against some decent cars in that price range. I can't imagine there's...
by strafe
Tue Apr 17, 2018 5:14 am
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2351

Re: Mozart in the morning, please

Amazon Echo Spot

pair with another speaker if you need better sound
by strafe
Wed Apr 11, 2018 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan Repayment Plan
Replies: 41
Views: 1668

Re: Student Loan Repayment Plan

If the loan balance grows substantially due to accumulating interest, the tax bill owed at year 25 forgiveness could exceed the cost of repaying the loan on a normal payment plan. The tax bill in year 25 could be hundreds of thousands of dollars. The limits on negative amortization in REPAYE would p...
by strafe
Tue Apr 10, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: VA Physician TSP matching and FERS
Replies: 7
Views: 557

Re: VA Physician TSP matching and FERS

performance pay does not count toward TSP match or FERS calculation, but market (specialty + locale) pay does count.
by strafe
Fri Mar 23, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Why can you "spend more" if you buy SPIA?
Replies: 12
Views: 1170

Re: Why can you "spend more" if you buy SPIA?

You can spend more because you plan for an average life expectancy and not a maximum life expectancy.
by strafe
Sun Mar 18, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: London Hotels
Replies: 59
Views: 4016

Re: London Hotels

Check out the Renaissance at St. Pancras
by strafe
Fri Mar 16, 2018 7:02 am
Forum: Personal Finance (Not Investing)
Topic: Lease of new Truck
Replies: 8
Views: 732

Re: Lease of new Truck

I second the 24 month lease being a better deal from residual standpoint. The one pay is marginally attractive but need to take in consideration how much gap insurance will cost to cover you in the event the car is stolen or totalled. Crash day 1 with no gap, lose 8.5k. Gap is sometimes included by...
by strafe
Fri Mar 16, 2018 4:49 am
Forum: Personal Consumer Issues
Topic: Modest stereo system
Replies: 57
Views: 3621

Re: Modest stereo system

This won’t meet the requirements for FM or vinyl,but consider the Apple HomePod. You can link two or more of them for whole house sound.
by strafe
Sat Mar 10, 2018 6:33 am
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3778

Re: MD-Phd (Harvard) vs MSTP (School X)

Harvard is the #1 school in the world by many ratings. I wouldn't think about this one too long. Best students, profs, resources. Yale #11 Hopkins #17 UCSF #18 What is the source for this? Are these universities or medical schools? Rankings, for whatever they’re worth, depend on what you’re attempt...
by strafe
Thu Mar 08, 2018 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: MD-Phd (Harvard) vs MSTP (School X)
Replies: 44
Views: 3778

Re: MD-Phd (Harvard) vs MSTP (School X)

UCSF and Hopkins are peer institutions to Harvard. Unless pursuing a specific research program or mentorship opportunity available only at Harvard, I would choose the MSTP program with the assurance of funding.
by strafe
Thu Mar 08, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: 0W-20 Synthetic Motor Oil
Replies: 58
Views: 7320

Re: 0W-20 Synthetic Motor Oil

There are four cars in our family...three require/can use 0W-20 synthetic motor oil (Lexus LS460; Honda CRV and Toyota Corolla). The other (Lexus RX330) needs 5W-30 and I used synthetic last time. I am/plan to run all four vehicles for 10,000 miles/1 year, which ever comes first. Please let's NOT t...
by strafe
Sun Mar 04, 2018 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Pay off car loan or keep money in bond fund?
Replies: 11
Views: 890

Re: Pay off car loan or keep money in bond fund?

I would refinance to a lower rate and preserve your liquidity. However, the more savings you have, the less I think this decision matters.
by strafe
Fri Mar 02, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Sweet Spot For SEER Rating
Replies: 29
Views: 2332

Re: Sweet Spot For SEER Rating

The ECM blowers are worth every penny. I would rule out the 14 SEER since it does not have ECM. 2-stage A/C is a comfort feature (improved humidity control and smaller on/off temperature fluctuations) -- not necessarily all that cheaper to run. An ECM blower already gets you much of the dehumidifica...
by strafe
Tue Feb 20, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 932

Re: Paying off car loan good for credit?

It depends on the ratios of -debt payments to income, and -auto loan balance to liquid savings. If your debt payments are high relative to your income, pay off the car loan. If you are short on savings / illiquid, do not pay off the loan. Neither apply? your score is >800 and none of this matters. ...
by strafe
Tue Feb 20, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 932

Re: Paying off car loan good for credit?

It depends on the ratios of
-debt payments to income, and
-auto loan balance to liquid savings.

If your debt payments are high relative to your income, pay off the car loan.
If you are short on savings / illiquid, do not pay off the loan.

Neither apply? your score is >800 and none of this matters.
by strafe
Fri Feb 09, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: iPhone backup for dummies (OneDrive, external hard drive)
Replies: 10
Views: 906

Re: iPhone backup for dummies (OneDrive, external hard drive)

To add to all the confusion, both iPhones are listed using the same Apple ID for Mr. Gatti. With recent updates, the phones are acting crazy (e.g. both ringing when receiving calls). I wanted to get everything backed up before setting up new iPhone under DIFFERENT Apple ID. It’s ok to keep the same...
by strafe
Fri Feb 09, 2018 6:31 am
Forum: Personal Consumer Issues
Topic: iPhone backup for dummies (OneDrive, external hard drive)
Replies: 10
Views: 906

Re: iPhone backup for dummies (OneDrive, external hard drive)

This is what I have: - Mr. Gatti iPhone - Mrs. Gatti iPhone - new iPhone (for Mrs. Gatti) - PC - OneDrive 1 TB plan - iCloud plan - external hard drive (WD Passport) This is the issue: I am trying to back up all the photos and videos off our iPhones and would ideally like to have them backed up to ...
by strafe
Fri Feb 09, 2018 6:20 am
Forum: Personal Consumer Issues
Topic: sudden overnight problem with spam email
Replies: 20
Views: 1891

Re: sudden overnight problem with spam email

celia wrote:
Fri Feb 09, 2018 5:27 am
If they found their way to your spam folder, what's there to worry about? They will delete themselves periodically.
+1
Why worry about it?
by strafe
Thu Feb 08, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: Multiiple indicator lights on (car)
Replies: 44
Views: 1813

Re: Multiiple indicator lights on (car)

There’s a reasonable chance all 4 are caused by low battery voltage / bad alternator.
by strafe
Wed Jan 24, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Car buy/lease question
Replies: 8
Views: 778

Re: Car buy/lease question

It depends. You need to run the numbers for the specific car. For a 3 year holding period, leasing may be cheaper than buying if the manufacturer subsidizes the depreciation charge (usually by inflating the residual value, a la BMW). Leasing is a purchase and future sale all wrapped up into one tran...
by strafe
Thu Jan 18, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 8001

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

HueyLD wrote:
Thu Jan 18, 2018 6:46 am
Why would any Boglehead pay so much money just to be told to fire his/her financial advisor?
Finance nerds / Bogleheads are clearly not the intended market.
by strafe
Thu Jan 18, 2018 7:30 am
Forum: Investing - Theory, News & General
Topic: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?
Replies: 121
Views: 8001

Re: $399 - New Course - Fire your Financial Advisor - By WhiteCoat Investor - Anyone?

Here’s a tip on how to fire your financial advisor. Pick up the phone and call Vanguard- tell them you want to move all of your assets to them in-kind. After the assets have been moved, call the financial adviser or drop them an email - You’re FIRED! $399 sounds a bit over the top, but then again I...
by strafe
Mon Jan 08, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 2373

Re: Car recommendations needed for growing family

We're relocating from a city where we didn't need to have a car, to a suburban place where we need two cars. Since I've lived in major cities all my life and always used public transit, I've never actually owned a car. We're a family of 4 with a toddler and baby. Our parents are also likely to visi...
by strafe
Sun Jan 07, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Overpayment on W2. Please help.
Replies: 13
Views: 1134

Re: Overpayment on W2. Please help.

That’s aggravating. Individual income taxes are paid on a cash accounting basis. Unless you returned the overpayment in 2017 (which you didn’t), I don’t think they can adjust your 2017 W2. The amount is large enough that you may be able to claim a tax credit for the loss. I don’t know specifics on t...
by strafe
Sat Jan 06, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4283

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I would under no circumstances buy an AMG car with 1 year warranty remaining. My parents have had 14 Mercedes (a few of them AMGs) and I have had 2 myself. These cars love to break when the warranties run out and the cost to repair is generally punitive. On my father's last SL55 AMG, ~$35k in repai...
by strafe
Sat Jan 06, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Car people: 2014 E63 AMG or 2018 E400 wagon??
Replies: 69
Views: 4283

Re: Car people: 2014 E63 AMG or 2018 E400 wagon??

I'd say the primary driver should decide which to buy.

If it were up to me, I'd choose the E63 wagon. Will be much more fun, retain its value, at the expense of running costs. Having owned an E-class previously, I wouldn't worry too much about the warranty.
by strafe
Wed Jan 03, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 4326

Re: Oil filled space heaters

Looking to buy a space heater to keep temp in living room more comfortable. I am leaning towards an oil filled radiator type heater. I understand they take longer to reach temp / warm up a room. My home has a heat pump that struggles when temps get in the teens, even with stage 2 electric heat. Any...
by strafe
Tue Dec 19, 2017 5:56 am
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 7164

Re: Can I afford it: Dodge Challenger

Go for it. You can afford it if you want to afford it. You’re right to be cautious making a large purchase. Budgeting is an exercise in setting priorities. I think most of the replies telling you ‘no’ reflect others’ personal priorities. For what it’s worth the Challenger has excellent resale value....
by strafe
Tue Dec 05, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 270
Views: 25662

Re: Prepayment of SALT Taxes? [State and Local]

I'm nearly certain that the federal tax treatment of a SALT refund depends on whether those taxes were deducted in the prior year. If you deduct SALT on 2017 tax return, any refund issued in 2018 would be considered an addition to income for 2018 (irrespective of whether you take standard deduction ...
by strafe
Tue Dec 05, 2017 5:48 am
Forum: Personal Consumer Issues
Topic: selling an older car on eBay-no bites!
Replies: 65
Views: 5196

Re: selling an older car on eBay-no bites!

Consider listing it for auction at Bring a Trailer.

For a classic car, it’s a better bet than Craigslist.
by strafe
Tue Nov 21, 2017 6:04 am
Forum: Personal Consumer Issues
Topic: Recommend a daily driver
Replies: 43
Views: 2380

Re: Recommend a daily driver

Agree with others that leasing would be a good bet.

I think the VW GTI is the ultimate inexpensive fun car. Dealers in the DC area (not sure where you are) are selling them under $20k out the door.