Search found 168 matches

by cowboyinasia
Sun Jun 23, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 9916

Re: hybrid or plug-in electric car

I drive about 5200 miles per year, generally no more than 20 miles per day, and avoiding highways nearly all the time. For climate change reasons, trying to decide whether to buy a new plug-in, and possibly put some solar panels on my roof to make it a solar car, or go with a hybrid. I like the ide...
by cowboyinasia
Sun Jun 23, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 9916

Re: hybrid or plug-in electric car

Last month we returned our 2015 Leaf as the lease was nearly up and bought (financed) a Leaf Plus. After an overnight charge in temperate weather the mileage is usually between 240 and 250. I like the fact that without an internal combustion engine there are fewer hot, moving parts that need to be l...
by cowboyinasia
Tue May 28, 2019 10:51 pm
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2424

Re: Extended auto warranty - who to buy from, if you want to

So I guess the consensus is that the best that can be said about that warranty offer is possibly maybe, but not at that price. BTW to some posts back we do have a 220V charger now. The adaptor cable (called an EVSE I think) supports both 110 and 220. Our home’s previous owner has a 220 plug in the g...
by cowboyinasia
Mon May 27, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2424

Re: Extended auto warranty - who to buy from, if you want to

Thanks for all the replies. It’s interesting to see the comments about companies going out of business which is a helpful caution and new knowledge for me. So we bought a 2019 Electric Leaf yesterday. A very Bogleheady thing to do I think; we saved a lot in gas costs with the other one we leased for...
by cowboyinasia
Sun May 26, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2424

Re: Extended auto warranty - who to buy from, if you want to

Maybe I misspoke. The warranty I bought for that other vehicle is for electronics (not electrical) and mechanical. Dashboard, LCD screen, radio, seat motors, etc. Supposedly a lot of those bells and whistles but I’ll know some years from now if and when I take it in. I read the long list of exclusio...
by cowboyinasia
Sun May 26, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2424

Extended auto warranty - who to buy from, if you want to

Hi. We recently bought a 2018 Lincoln Navigator with 6000 miles on it. The dealer included a life-time powertrain warranty. Although I never before bought extended warranties for anything I went ahead and bought the lifetime mechanical/electrical warranty. Yes a lot of things are excluded. My plan i...
by cowboyinasia
Fri Aug 25, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: 2nd row buckets seats for 7 year old (vehicle)?
Replies: 8
Views: 1030

Re: 2nd row buckets seats for 7 year old (vehicle)?

Thanks for the replies. Motivation is that the kids are tired of climbing over the backseat (or tilting up the bench) and mom is on their side. Arguments of "when I was a kid…" have no effect. Strategy A is an $80,000 redesigned 2018 Ford Expedition. Strategy B would be to slightly modify existing v...
by cowboyinasia
Fri Aug 25, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: 2nd row buckets seats for 7 year old (vehicle)?
Replies: 8
Views: 1030

2nd row buckets seats for 7 year old (vehicle)?

Greetings. I have a 2011 Ford explore with 65,000 miles on it. We have been leasing a Nissan leaf for two years which we love and we don't drive the SUV as much now. The Explorer has bench seats in the second row. I'm thinking to switch those out with bucket seats, otherwise known as captains chairs...
by cowboyinasia
Sat Nov 14, 2015 11:48 am
Forum: Personal Consumer Issues
Topic: Water spots in my basement carpet
Replies: 6
Views: 2855

Re: Water spots in my basement carpet

After pulling up the carpet I think the culprits are a few cracks in the concrete flooring. It looks like a previous owner had even sealed them over. So next stop is Home Depot to find some kind of sealant that I'll apply myself. This is not as bad as I feared!

Thanks for the ideas Bogleheads.
by cowboyinasia
Fri Nov 13, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: Water spots in my basement carpet
Replies: 6
Views: 2855

Re: Water spots in my basement carpet

Thanks for the ideas. I'll check those things out.
by cowboyinasia
Fri Nov 13, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Water spots in my basement carpet
Replies: 6
Views: 2855

Water spots in my basement carpet

Hi Bogleheads, In the carpeted floor of our basement, small (6 inches in circumference) have started to appear regularly. The appear immediately following a rainy day. The spots have appear with regularity in a line approximately from the bottom of the stairs to the garage door. The house is built o...
by cowboyinasia
Sat Sep 26, 2015 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Nissan Leaf - Tax credit. Lease vs. buy.
Replies: 9
Views: 1570

Re: Nissan Leaf - Tax credit. Lease vs. buy.

Good points all. Thanks.

What's the best place to get an idea of future values of a used 2015 Leaf??
by cowboyinasia
Sat Sep 26, 2015 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Nissan Leaf - Tax credit. Lease vs. buy.
Replies: 9
Views: 1570

Nissan Leaf - Tax credit. Lease vs. buy.

Hi Bogleheads, The family is considering a new Nissan Leaf, either buy or lease. I'm doing the research including Bogleheads forums and wiki, but now I need to ask the experts. Current rebates are $5,000 on remaining 2105 models and there is no sales tax. The dealer also says that the Leaf warrants ...
by cowboyinasia
Thu Sep 10, 2015 7:30 pm
Forum: Personal Consumer Issues
Topic: Features for a new toilet
Replies: 33
Views: 5256

Re: Features for a new toilet

A built-in bidet or washlet is great. I had those while living in Japan, and they were available also in many commercial public facilities. They make the post event activity easier and more complete . Nuff said.

Shapes and sizes and flushing mechanisms are just variations on the same theme.
by cowboyinasia
Mon Jul 13, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 7171

Re: Builder wants to put a retaining wall on my property

Wow – lots of good replies, and quickly. Thank you. In response to some questions . . . - The city owns the alley. I’m not sure whether there is an existing easement into my property. - I haven’t spoken with the developer or the city planning department so I don’t know why this is a necessity for th...
by cowboyinasia
Mon Jul 13, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 7171

Re: Builder wants to put a retaining wall on my property

They said they'll pay for it: "This private improvement is to be constructed at no cost to the OWNER of said property" But then it says: "Maintenance of this private improvement constructed on said property is to be the responsibility of the OWNER". (I haven't actually spoken to them . . . only my n...
by cowboyinasia
Mon Jul 13, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Builder wants to put a retaining wall on my property
Replies: 52
Views: 7171

Builder wants to put a retaining wall on my property

Hello I have a house that is adjacent to an alley. My property slopes down to that alley. On the other side of that alley, downhill and cattycorner to my lot are a couple of old small residential buildings. Someone wants to tear down those old units and build a 3 new multi-family units and 1 single-...
by cowboyinasia
Wed May 06, 2015 11:42 pm
Forum: Personal Consumer Issues
Topic: Free time in Prague and Amsterdam .. what to see?
Replies: 18
Views: 1991

Re: Free time in Prague and Amsterdam .. what to see?

In Amsterdam, relax in a coffee shop. Then have dinner.

In Prague have a drink or dinner in one of those cellar restaurants.
by cowboyinasia
Wed Apr 01, 2015 9:13 am
Forum: US Chapters
Topic: "The world's largest non-commercial financial forum".
Replies: 34
Views: 6207

Re: "The world's largest non-commercial financial forum".

That's a great accomplishment. Thanks to the founders and well done to us.

Yes put it in the title, that'll draw even more people. Then grandfather the current members and start charging the newbie Bogleheads to join. Oh, wait . . .
by cowboyinasia
Mon Feb 23, 2015 12:51 am
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 23505

Re: What age do you guys plan to retire?

My plan is to transition to part-time when I'm 55, and then continue for another 3 to 5 years before calling it quits. I'm taking steps now to have that part-time option available. If that doesn't work out, I'll probably just do full-time until 58 and then call it quits at the office. My spreadsheet...
by cowboyinasia
Tue Feb 10, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Food of the Fifties
Replies: 216
Views: 22678

Re: Food of the Fifties

While I missed the 50s and most of the 60s, this does generate some fond nostalgia. :happy For me I'm reminded of canned goods. Canned corn and canned peas, heated on the stove top without any seasoning. Pretty bland. Creamed corn was the fancy variety. For dessert, canned peaches. Occasionally cann...
by cowboyinasia
Thu Jan 01, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 144
Views: 54648

Re: Net Worth Survey, 2015 Edition

Thank you bobblehead and whomever else gave suggestions for creating and running this. While the dollar figure are interesting, what I think is even more impactful are the probabilities to reach full retirement age of 66. Seeing that spurred me to investigate my chances to living to a certain age, a...
by cowboyinasia
Thu Jan 01, 2015 6:42 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 10437

Re: What did you enjoy spending money on this year?

A really good desk, off of Craigslist for $40
Having my house's gutters cleaned
A rental unit
The family vacation to SoCal
by cowboyinasia
Tue Dec 30, 2014 10:55 am
Forum: Personal Investments
Topic: Completely Out of Debt... Now What?
Replies: 15
Views: 3180

Re: Completely Out of Debt... Now What?

Congratulations on being debt free. You've got some good choices which other posters have explained above. My one piece of advice is that you continue to funnel whatever money you were putting into paying down debt into other investments vehicles. Unless you feel like that was a terrible hardship, y...
by cowboyinasia
Sun Dec 28, 2014 11:41 am
Forum: Personal Investments
Topic: when do you start focusing on your retirement "number"
Replies: 34
Views: 4486

Re: when do you start focusing on your retirement "number"

[quote="Paul78"]as oppose to just concerning yourself with contributions? Around 40. I've been tracking my savings and investments with a spreadsheet since my 20s. I think it's good to project and contemplate what you'll have in retirement, many years or even decades before you get there. The though...
by cowboyinasia
Sat Dec 20, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 5506

Re: We made our own Will

Thanks to the OP and other contributors to the thread. I'm overdue on writing a will and as a Boglehead like leveraging a DIY component into it. What this has helped me conclude is that that for many people - and I think me included - it's fine and good to start with books and software. For a couple...
by cowboyinasia
Sat Dec 20, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Where to find the cheapest mortgage?
Replies: 30
Views: 7973

Re: Where to find the cheapest mortgage?

Thanks to the OP and other contributors to the thread . I'm overdue on having a will and as a Boglehead like leveraging a DIY component into it. What this has helped me conclude is that that for many people - and I think me included - it's fine and good to start with books and software. For a couple...
by cowboyinasia
Sun Dec 07, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Rental Real Estate vs. Stocks and Bonds
Replies: 71
Views: 11200

Re: Rental Real Estate vs. Stocks and Bonds

I think it all comes down to who's renting it. Sounds like a good investment if one has good tenants and a horrible investment if the tenants are deadbeats. What concerns me is that a number of people have brought up that it is more difficult finding quality tenants these days as opposed to the pas...
by cowboyinasia
Sun Dec 07, 2014 11:11 am
Forum: Investing - Theory, News & General
Topic: Investing Magazines
Replies: 36
Views: 4919

Re: Investing Magazines

Money is my favorite. Over the years I learned a lot, was inspired by some of the stories, and was spurred by some of the ideas. After nearly a decade I find that each issue has limited 'new' ideas and insights for me. But I can get it for $1 per issue I like getting it in the mail and perusing it o...
by cowboyinasia
Sun Dec 07, 2014 11:02 am
Forum: Personal Consumer Issues
Topic: Holiday Meal Splurging (Wagyu beef)
Replies: 17
Views: 2468

Re: Holiday Meal Splurging (Wagyu beef)

If you are looking to splurge a bit, consider beef from free-range and grass-fed, not corn-fed, cows. It costs more but that's the cows originally lived and their biology works better that way. Leading to better flavor IMHO.
by cowboyinasia
Fri Nov 07, 2014 7:38 pm
Forum: Personal Investments
Topic: Buy commercial real estate
Replies: 18
Views: 4202

Re: Buy commercial real estate

I found a website called loopnet that advertises a rate of return of about 7% on various properties in phoenix area. 7% doesn't sound like a good return on real estate. Since real estate uses leverage and it takes more work than stock and bonds, 7% doesn't sound attractive. I think you can get the ...
by cowboyinasia
Sat Nov 01, 2014 12:54 pm
Forum: Personal Investments
Topic: Post-tax 401k to Roth IRA vs. Roth 401k. What's the dif?
Replies: 6
Views: 977

Re: Post-tax 401k to Roth IRA vs. Roth 401k. What's the

Thank you all, that's helpful. So I think I'll still take the post-tax 401k to Roth IRA route. It seems to me that essentially all Bogleheads do IRAs and/or 401ks, more than half do the back-door Roth conversation (unless they contribute to a Roth IRA directly), but only a fraction of Bogleheads hav...
by cowboyinasia
Sat Nov 01, 2014 11:04 am
Forum: Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 2724

Re: Just applied for voyager select.

Congratulations coachz! Let's us know how the conversations go please; what Vanguard does for you at that level. A few months ago I rolled over an IRA from another mutual fund, and then qualified for Voyager Select. I got a nice little card in the mail saying basically thanks for your business, whic...
by cowboyinasia
Sat Nov 01, 2014 10:37 am
Forum: Personal Investments
Topic: Post-tax 401k to Roth IRA vs. Roth 401k. What's the dif?
Replies: 6
Views: 977

Post-tax 401k to Roth IRA vs. Roth 401k. What's the dif?

Hello. Can you help with the posting title question please. My current situation: - I am making the maximum IRA deduction for self and spouse every year. Tactically I make a one-time contribution to a Traditional IRA and then do the back-door conversion to a Roth IRA. All my IRA money is in Roth IRA...
by cowboyinasia
Sun Sep 07, 2014 11:04 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 70530

Re: Good Modern Science Fiction

Alistair Reynolds books are vast in scope and full of ideas.

Ben Bova and Greg Bear have both been around a while but I think both are still writing. Stephen Baxter writes some good stuff.

Cyberpunk is no longer new but I suppose still modern. Neuromancer, Ruddy Rucker, etcetera.
by cowboyinasia
Sun Sep 07, 2014 5:33 pm
Forum: Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1607

Re: Q for those of you over 59.5 YO and a Roth IRA

I am retiring next month, and plan to convert my 401ks gradually to roth iras, so I want my Roths to grow for now. Thus I reinvest within the ROTHS. Mike Convert 401k to Roth?? I do this to the tune of a few percent of my salary every year - a post tax 401k contribution converted to a Roth (after m...
by cowboyinasia
Fri Sep 05, 2014 7:57 pm
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 4644

Re: Proper Way To Wear Suspenders

No belt!

Clip-ons don't work well for me. But at least the kids get a laugh when they pull off and my pants slip down.
by cowboyinasia
Fri Sep 05, 2014 7:45 pm
Forum: Non-US Investing
Topic: Non-USA persons: We need a non-USA broker
Replies: 11
Views: 1404

Re: Non-USA persons: We need a non-USA broker

Interesting question. Honestly I don't know, but would suggest you try one of the big British banks. Seems HSBC sold some Cayman operations, but maybe RBS, Lloyds ...

Good luck!
by cowboyinasia
Tue Sep 02, 2014 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 445
Views: 213504

Re: The Mega Backdoor Roth IRA

I recently learned about this option at my own megacorp employer - up to 10% of salary in 1% increments subject to that 52k limit. My last paycheck was the first time it was done. I will replace future 529 contributions with this. In my case I will be over 59 1/2 when the kids go to college, and in ...
by cowboyinasia
Mon Sep 01, 2014 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Advice on job opportunity abroad: taxes, cost of living, etc
Replies: 13
Views: 2183

Re: Advice on job opportunity abroad: taxes, cost of living,

Used to be it was financially advantageous for an overseas posting. Not so much anymore, as more people are willing to accept a 'local' and not an 'expat' package due to composition for work and employers' ability to move it around. But for the reasons you know this could be a good experience and st...
by cowboyinasia
Sun Aug 17, 2014 6:35 pm
Forum: US Chapters
Topic: Seattle Chapter?
Replies: 122
Views: 26177

Re: Seattle Chapter?

East side works better for me. Instead of Mercer Island, why not Bellevue. The difference in distance is negligible. That's a good point. And the parking may be easier. What with all the sprawl Bellevue is pretty central anymore. How about the Whole Foods by NE 8th. They have outdoor seating in cas...
by cowboyinasia
Mon Aug 04, 2014 9:48 am
Forum: Personal Consumer Issues
Topic: Salzburg or Graz?
Replies: 18
Views: 3199

Re: Salzburg or Graz?

Never been to Graz but I did spend a day in Salzburg. It was a nice little town, and the surrounding area was pretty to. We drove Zurich to Vienna and back, and the western part of that drive was so gorgeous.
by cowboyinasia
Mon Aug 04, 2014 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How many families use 529 plans?
Replies: 113
Views: 12059

Re: How many families use 529 plans?

I've set up 529s for both of my kids. This is a good thread, and it has raised an idea in my mind - about 529s vs. post-tax 401ks. My employer provides an option in the 401k to contribute after-tax dollars, once I've maxed out the before-tax portion (which I do). Those after-tax 401k dollars can be ...
by cowboyinasia
Sun Aug 03, 2014 3:12 pm
Forum: US Chapters
Topic: Seattle Chapter?
Replies: 122
Views: 26177

Re: Seattle Chapter?

Eastside vote. Fall City would be nice.

More seriously Mercer Island isn't a bad idea. Perhaps borrow a room at their swank community center, or at the library. Off the top of my head I can't think of a large coffee shop or diner there, but there probably is.
by cowboyinasia
Sun Jul 20, 2014 8:17 pm
Forum: US Chapters
Topic: Seattle Chapter?
Replies: 122
Views: 26177

Re: Seattle Chapter?

Not a lot is required. I did this in Denver for several meetings. Basically: tell people ''let's get together. What do we want to talk about?" Help the group choose, or make an executive decision, for when and where to meet (coffee shop, library, hotel ball room). Post/email/PM that the meeting is o...
by cowboyinasia
Sun Jul 20, 2014 12:47 am
Forum: Personal Consumer Issues
Topic: Visiting Japan
Replies: 16
Views: 2354

Re: Visiting Japan

Great idea the tonkatsu. Go somewhere that'll set you back 2000 or 3000 yen, just for the meal. Also sample - sushi, sashimi - the three noodles . . . soba, udon, ramen - onigiri - curry rice - shabu shabu - yakitori, and beer - okonomiyaki - cold canned coffees from a vending machine - a bento box ...
by cowboyinasia
Sat Jul 19, 2014 3:45 pm
Forum: Personal Consumer Issues
Topic: Visiting Japan
Replies: 16
Views: 2354

Re: Visiting Japan

Osaka is fun; it has a sharper, grittier vibe than Tokyo. Check out Doutonbori. Visit a downtown department store, especially the basement grocery and a roof top Summer beer garden. The castle is good, if you like that. You could get to Kyoto for a day. Bus and walk yourself around. Ditto Nara, whic...
by cowboyinasia
Sun Jul 06, 2014 9:45 pm
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 20946

Re: Tiny House Movement

In Hong Kong, I lived in an apartment with 3 bedrooms, 2 bathrooms with 847 square feet. Mind you, that was gross area including landing, stairs and such so the usable area was something like 650 ft2. We felt like it was plenty big enough. You get used to it. You don't encumber your life with a lot ...
by cowboyinasia
Sun Jun 15, 2014 2:32 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 15320

Re: Cutting the cable cord - how did you do it?

CherylHall, Good for you. Do it. Way better things to do with your limited hours on Earth than find ways to watch TV. We haven't had cable for years. We don't even have a TV antenna. We check out DVDs from the library for the kids, and control that closely and they don't fuss. Twice I've signed up a...