Search found 549 matches

by Dave76
Mon Aug 19, 2013 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Used car recommendations?
Replies: 15
Views: 1215

Re: Used car recommendations?

Wow, lots of car recommendation threads recently... I recently bought a certified 2010 Subaru Forester 2.5 X Premium with All-Weather Package (and a few other extras) with <25K miles for <$18K. So something like this could be in your budget. I really like my Forester, am so pleased with it. Huge su...
by Dave76
Sun Aug 18, 2013 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 10552

Re: Poll: $ monthly contribution to 529/college savings

You can't borrow money for retirement, but you can for college. Today that is true, what the future holds no one knows. I think the current growth in tuition is an unsustainable bubble anyway. I agree. Private U is pricing itself out of the market. In the future, young people who are intelligent an...
by Dave76
Sat Aug 17, 2013 9:40 pm
Forum: Personal Consumer Issues
Topic: How to get to the 21st communication century--sort of
Replies: 39
Views: 2164

Re: How to get to the 21st communication century--sort of

Why take a cell phone or computer with you on vacation? Those things are a nuisance. You're not going to feel like you're on vacation. I understand that they've become necessary evils, but the whole point of taking a vacation is to get away from it all. I leave those things at home. Spyware, malware...
by Dave76
Sat Aug 03, 2013 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Some things a teen could do to help out parents college-wise
Replies: 74
Views: 6652

Re: Some things a teen could do to help out parents college-

I went to a state school and commuted for all four years. The cost of my BA degree was $10,500. I graduated in 2000. If I were a high school student in 2013, I'd do a distance degree with the University of London. The total cost of their degree programs is as little as $6k. Why pay for the brick and...
by Dave76
Fri Aug 02, 2013 4:36 pm
Forum: Investing - Theory, News & General
Topic: Globe and Mail Doesn't Like Boglehead Approach
Replies: 32
Views: 3721

Re: Globe and Mail Doesn't Like Boglehead Approach

IlliniDave wrote:
The Boglehead spirit seems alive and well in my second favorite nation on earth.


What nation is your first favorite?
by Dave76
Thu Aug 01, 2013 5:32 pm
Forum: Personal Consumer Issues
Topic: Help with picking a mid-size luxury sedan
Replies: 28
Views: 3477

Re: Help with picking a mid-size luxury sedan

I'd look at the Impala. If you're set on an import, the Volvo S80 might be worth a look.
by Dave76
Wed Jul 31, 2013 8:15 am
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 5075

Re: Help us pick a car, please!

Consumer Reports likes the 2014 Chevrolet Impala. Since you're an elderly couple, perhaps an older car would be more appropriate. You would probably find the styling to be more appealing. Also, older cars don't have the complex satellite navigation systems and blue tooth feature. They also have soft...
by Dave76
Fri Jul 26, 2013 9:55 am
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 12987

Re: Really hard to avoid "Keeping up with the Joneses"!

You might be able to buy your way to happiness, but it usually doesn't last long. Your friends are shallow people with an unhealthy addiction.

Just be content with what you have. Most older things are more aesthetically appealing anyway (and often made better) -- furniture, cars, houses,
by Dave76
Thu Jul 25, 2013 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 9018

Re: Community college a better option to start college?

I am fully in favor of living on campus from the git-go. Forget the party crap, there is something about living away from home that is enlightening/empowering/educational. On campus students enjoy some level of camaraderie that is absent among commuters - and besides most of the on campus students ...
by Dave76
Thu Jul 25, 2013 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 9018

Re: Community college a better option to start college?

I don't know if it has been mentioned yet, but it is often times much harder to transfer into a good program than it is to get accepted as a freshman. This is one of the reasons I told my daughter to apply to a senior college. The CUNY system has community and senior colleges and I figured if you a...
by Dave76
Tue Jul 23, 2013 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 8976

Re: Can we afford private school?

Since education is an investment, the ROI on arts, social sciences and humanities is significantly lower than STEM degrees. I think I could support an idea of a private school that emphasises subjects relevant to STEM since those subjects and ultimately degrees will lead to far better job prospects...
by Dave76
Tue Jul 23, 2013 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 9018

Re: Community college a better option to start college?

I don't know if it has been mentioned yet, but it is often times much harder to transfer into a good program than it is to get accepted as a freshman. This is one of the reasons I told my daughter to apply to a senior college. The CUNY system has community and senior colleges and I figured if you a...
by Dave76
Mon Jul 22, 2013 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Average College Tuition fees paid
Replies: 23
Views: 19157

Re: Average College Tuition fees paid

Any way you do it, it's going to cost you more in the future. I disagree. I think it's going to be a lot cheaper in the future, with sensible and affordable options. The education bubble is going to burst and the brick and mortar will soon be history. You can earn a degree from the London School of...
by Dave76
Fri Jul 19, 2013 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 9018

Re: Community college a better option to start college?

Also, again, depending on what the student wants, being at a place where "quality of research is high" certainly has its advantages. For example, if the student has an interest in being involved in that research. That's fine for graduate level study, not undergraduate level study. Also, a...
by Dave76
Fri Jul 19, 2013 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Community college a better option to start college?
Replies: 122
Views: 9018

Re: Community college a better option to start college?

One of the negatives that I've seen with Community College...in some but certainly not all cases...is that the culture of academia just isn't there. There's a huge drop out rate. So a student who is marginally motivated might be brought UP by the culture at a traditional 4 year college while that s...
by Dave76
Thu Jul 18, 2013 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 8976

Re: Can we afford private school?

I think a Catholic school education would be a better return for your investment. I don't see any advantage of a private school education. Any primary and secondary educational program bereft of religious instruction is truncated and, consequently, inferior. Christianity is the wellspring of our cul...
by Dave76
Thu Jul 18, 2013 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford private school?
Replies: 87
Views: 8976

Re: Can we afford private school?

One of my favorite quotations..." If you think education is expensive, consider the alternative". I grew up in a public school family, but sent my three kids to private school after a disappointing pre-k experience for the oldest. All-in was over $1mm (I'm in NYC suburbs). In retrospect w...
by Dave76
Wed Jul 17, 2013 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Late 30s: 2 Years In
Replies: 42
Views: 5048

Re: Late 30s: 2 Years In

New cars are wealth killers. Financing a new car, and having to take on the additional cost of insuring the thing, is a huge money pit. I think your 1992 Honda Accord was adequate for your needs. Heck, I rode around in a 1973 Dodge Dart and I'm still alive.
by Dave76
Fri Jul 12, 2013 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: how bad would it hurt to spend an extra 10k on a car (24 yo)
Replies: 93
Views: 7435

Re: how bad would it hurt to spend an extra 10k on a car (24

-I know this one is a lame reason but I see plenty of friends who make the same or less then me driving around in 40k+ cars. If they can have a 40k car why can't I have a 30k one? I see people in the ghetto driving expensive cars. There's nothing special out there for 30-35k. I think you should kee...
by Dave76
Fri Jul 12, 2013 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: how bad would it hurt to spend an extra 10k on a car (24 yo)
Replies: 93
Views: 7435

Re: how bad would it hurt to spend an extra 10k on a car (24

-I know this one is a lame reason but I see plenty of friends who make the same or less then me driving around in 40k+ cars. If they can have a 40k car why can't I have a 30k one? I see people in the ghetto driving expensive cars. There's nothing special out there for 30-35k. I think you should kee...
by Dave76
Fri Jul 12, 2013 6:05 pm
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1669

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

The 2010 is better looking than the 2011, in my opinion.
by Dave76
Fri Jul 12, 2013 3:24 pm
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1669

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

I can't see spending that kind of money on a three year old Honda.
by Dave76
Fri Jul 12, 2013 3:15 pm
Forum: Personal Consumer Issues
Topic: $19K Odyssey 2010 LX 35k miles Honda certified.
Replies: 17
Views: 1669

Re: $19K Odyssey 2010 LX 35k miles Honda certified.

I think you can get a new Dodge Caravan for around $20k.

Here -- http://www.truecar.com/prices-new/dodge ... n-pricing/
by Dave76
Fri Jul 12, 2013 11:56 am
Forum: Personal Consumer Issues
Topic: Suggestions for Switzerland trip
Replies: 7
Views: 734

Re: Suggestions for Switzerland trip

It's been so many years, but I think you've got it covered. The kids will probably enjoy the transport museum. I did. Highly recommended for the kids. m The Stanserhorn (Lucerne) is a good alternative to Pilatus. If you're into architecture, visit the Jesuit church in Lucerne, the medieval watchtowe...
by Dave76
Fri Jul 12, 2013 9:59 am
Forum: Personal Consumer Issues
Topic: Spanish language immersion for toddler
Replies: 21
Views: 1955

Re: Spanish language immersion for toddler

Fair enough. I think it is best to learn from an Argentine. The Mexican stripe doesn't sound as nice.
by Dave76
Fri Jul 12, 2013 8:32 am
Forum: Personal Consumer Issues
Topic: Spanish language immersion for toddler
Replies: 21
Views: 1955

Re: Spanish language immersion for toddler

bottlecap wrote:I'd forget Spanish. Look for Chinese.

JT


If the year was 1988, you would have said Japanese. :)

I'd go with either French, German, Greek, or Latin.
by Dave76
Thu Jul 04, 2013 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Joining a religious order with a poverty vow
Replies: 62
Views: 4242

Re: Joining a religious order with a poverty vow

If I read the OP correctly, there is no intent to evade taxes - rather to keep assets hidden from the church. You are right because of the fact that I am shifty with careers. I don't want to be left out in the cold ie no money if my work with the church comes to an end. I will be getting no money f...
by Dave76
Tue Jul 02, 2013 9:26 am
Forum: Personal Consumer Issues
Topic: Good Cameras under $1000.00
Replies: 17
Views: 3028

Re: Good Cameras under $1000.00

Nikon FM10 is a decent one.
by Dave76
Sat Jun 29, 2013 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy this house?
Replies: 26
Views: 2755

Re: Would you buy this house?

Yeah. The closing of public schools and the gun problem. Even if you decide to send your kids to a private school, you can't always get away from it. I went to a prestigious private school near NYC and couldn't get away from it. The kids brought the ghetto into the suburbs. It was bad. I wouldn't li...
by Dave76
Sat Jun 29, 2013 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy this house?
Replies: 26
Views: 2755

Re: Would you buy this house?

I'd move an hour's drive away for peace of mind. Even with 20% down, a mortgage that size is scary. And cities are not ideal places to raise kids. My parents and I grew up in cities. We couldn't wait to get out. I'd buy a less expensive house in the suburbs and take the kids to Europe every two years.
by Dave76
Thu Jun 27, 2013 9:40 am
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 6406

Re: what you should know about the recent market drop

It's nice to see an upbeat summary of what to anyone looking around is obvious. The economy is doing well. I see that on a personal level, locally, regionally and when I travel which I do frequently. Where do you travel? MNCs might be doing well, but John and Jane Doe are not. I see more and more p...
by Dave76
Thu Jun 27, 2013 9:05 am
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 6406

Re: what you should know about the recent market drop

It's nice to see an upbeat summary of what to anyone looking around is obvious. The economy is doing well. I see that on a personal level, locally, regionally and when I travel which I do frequently. Where do you travel? MNCs might be doing well, but John and Jane Doe are not. I see more and more p...
by Dave76
Thu Jun 27, 2013 7:45 am
Forum: Investing - Theory, News & General
Topic: what you should know about the recent market drop
Replies: 27
Views: 6406

Re: what you should know about the recent market drop

It's nice to see an upbeat summary of what to anyone looking around is obvious. The economy is doing well. I see that on a personal level, locally, regionally and when I travel which I do frequently. Where do you travel? MNCs might be doing well, but John and Jane Doe are not. I see more and more p...
by Dave76
Tue Jun 25, 2013 8:47 pm
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

Alright. Forget it. I swear I can hear the difference, even on the internet. But I give in.

http://www.youtube.com/watch?v=9pS5xzOWbwo
by Dave76
Tue Jun 25, 2013 5:38 pm
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

I'm standing firm on this. Digital pianos just don't have the aesthetic value of a traditional piano. And when it comes time to sell or trade up, you'll get a better return on your investment.
by Dave76
Tue Jun 25, 2013 4:18 pm
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

Professional pianist here. I'm going to second the advice on a digital keyboard. But a digital electronic keyboard cannot match the sound and feel of the real thing. For instance, the sound volume on an electronic keyboard stays the same whether you press down hard on the keys or press down softly....
by Dave76
Tue Jun 25, 2013 11:41 am
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

I have done a little bit of research on this topic because I may get something for my wife eventually. It seems that digital is the way to go these days unless you have huge space and a large budget. This WSJ article is right on point. A professional tried a bunch out. But you don't need a lot of s...
by Dave76
Tue Jun 25, 2013 10:56 am
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

Professional pianist here. I'm going to second the advice on a digital keyboard. But a digital electronic keyboard cannot match the sound and feel of the real thing. For instance, the sound volume on an electronic keyboard stays the same whether you press down hard on the keys or press down softly....
by Dave76
Mon Jun 24, 2013 8:18 pm
Forum: Personal Consumer Issues
Topic: Piano purchase
Replies: 35
Views: 4328

Re: Piano purchase

I would look for a used Baldwin Acrosonic piano manufactured in the 50s, 60s, maybe 70s. Baldwin was sold at some point in time to a much bigger company. You might be able to find the year with a google search. I would avoid Acrosonics after the sale date. Consider the rent money a sunk cost. My re...
by Dave76
Sat Jun 22, 2013 7:02 am
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 32374

Re: Why buy expensive cars

"I always thought the "hatred" of Prius vehicles by so many in the US is quite the bizarre sociological phenomena" The South Park episode "Smug Alert" best explains it. But, of course, it's outright projection. One doesn't *know* that Prius drivers are smug (as opposed...
by Dave76
Thu Jun 20, 2013 8:28 am
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 32374

Re: Why buy expensive cars

As a twenty-something male, I and my friends think that driving a nicer car makes it easier to get dates. How on earth would your prospect know what you drive before you ask her out? Assuming you're not cruising for hookers, of course. I drive this one (same year): m Older women dig it, younger wom...
by Dave76
Wed Jun 19, 2013 3:02 pm
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 32374

Re: Why buy expensive cars

JupiterJones wrote:
lostInFinance wrote:As a twenty-something male, I and my friends think that driving a nicer car makes it easier to get dates.


More precisely, it makes it easier to get dates with the types of people who care what sort of car you drive.


That's most people, sadly.
by Dave76
Thu Jun 13, 2013 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Young professional: how is Orange county NY
Replies: 7
Views: 1137

Re: Young professional: how is Orange county NY

Cost of living is higher than it was when I moved here in 1988. My parents' property tax was $2200 the first year. Today, it's over $8k. The economy was a dynamic one back then. There were at least 150 farms in the county and plenty of small family-owned businesses. Much of that has disappeared. Lot...
by Dave76
Sun Jun 09, 2013 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with my SO, but one of us has bad credit
Replies: 56
Views: 3747

Re: Buying a house with my SO, but one of us has bad credit

I agree. It's better to buy property together when you're married. A financial and legal mess can result if the relationship goes south. Ever watch Judge Judy? Don't play 'House'.
by Dave76
Sun Jun 09, 2013 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investing is boring
Replies: 34
Views: 4516

Re: Investing is boring

Do what I do. Find ways to cut costs and save more money.

Passive investing is supposed to be boring. There's got to be more spiritually fulfilling and meaningful ways to spend your time. Economics, the stock markets, wealth management, etc.... it's all dull and stale.
by Dave76
Tue Jun 04, 2013 6:17 pm
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 14796

Re: The Boglehead Car -- What is It?

Interplanetjanet-- Really? No problem turning a manual over to valet parking? A bunch of really old guys must work there. I don't know anybody under sixty who has ever driven a stick. Except Mr. Money Moustache and the missus: m And how do you know the attendant can drive a manual? Ask? They'll all...
by Dave76
Mon Jun 03, 2013 6:42 pm
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 14796

Re: The Boglehead Car -- What is It?

I live in a neighborhood where "status" requires at least an Aston Martin, so the Range Rovers aren't in our driveway for status.[/quote] Your neighbors are lucky that I don't live there. I'd import a Soviet-made Lada and park it on the street. Just for laughs, of course. I''d probably be...
by Dave76
Mon Jun 03, 2013 6:33 pm
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 14796

Re: The Boglehead Car -- What is It?

I think a Boglehead car is any no-frills car that is bought entirely with cash.
by Dave76
Sun Jun 02, 2013 6:29 pm
Forum: Investing - Theory, News & General
Topic: Article -Will US workers ever be able to retire
Replies: 26
Views: 2503

Re: Article -Will US workers ever be able to retire

I think this falls under the heading of "control what you can and don't worry about the rest". We could debate until the cows come home whether SS will be around just as we could guess as to what future returns will be. My take is I have to do the one thing I can control, which is SAVE. I...