Search found 71 matches

by We'll See
Fri Apr 09, 2021 2:42 pm
Forum: Personal Consumer Issues
Topic: Airline Miles - how to use?
Replies: 27
Views: 1774

Re: Arline Miles - how to use?

Is anyone getting good deals on frequent flyer flights these days? It seems like paying cash for a ticket is a far better deal most of the time. I (unfortunately) fly out of a United hub, and used to find some good deals to Hawaii, the Caribbean, and Europe, but now the miles required for a rewards...
by We'll See
Fri Apr 09, 2021 2:28 pm
Forum: Personal Consumer Issues
Topic: Travel Trailer vs My Pickup Truck: Specs?
Replies: 46
Views: 2637

Re: Travel Trailer vs My Pickup Truck: Specs?

Question, can I pull the following trailer with my truck? Travel Trailer Weight (2019 Dutchmen - Coleman LightFloorplan: 1805RB): Dry Weight: 4,448 lbs. Payload Capacity: 3,152 lbs. Hitch Weight: 529 lbs. I have a 2015 Nissan Frontier SV (Crew Cab 2WD - 6 Cylinder, 4.0 litre) with towing package. M...
by We'll See
Wed Apr 07, 2021 11:36 am
Forum: Personal Consumer Issues
Topic: The best $10,000 to $15,000 vehicle.
Replies: 42
Views: 3217

Re: The best $10,000 to $15,000 vehicle.

I don’t drive expensive vehicles. I purchase used vehicles with low mileage and then drive them for at least 10 years. What are some good options for reliability and great gas mileage that you like? I don't recommend buying a late model used car in that price range now. The used car market is waaay...
by We'll See
Wed Apr 07, 2021 10:26 am
Forum: Personal Consumer Issues
Topic: Repair or Replace 2003 Toyota Corolla
Replies: 67
Views: 5603

Re: Repair or Replace 2003 Toyota Corolla

Dear Bogleheads, I would like to seek your help in making a decision, especially from those who know cars well. I have a 2003 Toyota Corolla with 136,000 miles. This is my only car. I was planning to buy a new car at the end of the year and give Corolla to my daughter early next year when she turns...
by We'll See
Wed Feb 24, 2021 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best decision(s) in your financial life
Replies: 167
Views: 13361

Re: Best decision(s) in your financial life

I'm not sure if it is the best or not (ask me when I'm dying) but joining this forum and reading the thousands of threads is right up there with one of the best financial decisions I've made.
by We'll See
Mon Feb 22, 2021 3:46 pm
Forum: Investing - Theory, News & General
Topic: Re-evaluating Total World Bond (BNDW)?
Replies: 141
Views: 7790

Re: Re-evaluating Total World Bond (BNDW)?

Are there now more compelling reasons than before for US investors to consider a total world bond approach? Considering how many foreign central banks had to depend on the U.S. Federal Reserve's generosity with bank liquidity swaps during both he GFC and the pandemic; no. Or put differently: when t...
by We'll See
Fri Feb 12, 2021 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Build or buy a home?
Replies: 50
Views: 5660

Re: Build or buy a home?

It has been our intention to buy a home rather than build. It appears we will be able to have more square footage with a home purchase than building. While we would get to customize a design for a new home, it just appears to be a higher price, and I assume higher tax assessment to build. Are there...
by We'll See
Tue Nov 03, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Powerful Battery Leaf Blowers
Replies: 86
Views: 5143

Re: Powerful Battery Leaf Blowers

About 3-4 years ago I bought a kobalt 40v from Lowe's. The blower was fine but the batter and charger were complete crap. This spring I bought a dewalt 20v with the 5ah battery and it has worked great. I also bought a new dewalt 20v cordless trimmer to replace the POS Ryobi I had. So much better in ...
by We'll See
Tue Nov 03, 2020 9:06 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 14164

Re: Which diet soda pop do you enjoy?

I have a diet Mountain Dew on ice in my yeti every morning. I call it my trailer park achino because I don't drink coffee. Then I have one Diet Pepsi over ice in the afternoon, down from years of two. Once in a while I'll have Diet Coke but only if it is fountain. I grew up with parents drinking lot...
by We'll See
Thu Oct 08, 2020 10:03 am
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 138
Views: 18628

Re: Tequila and Magaritas

I found this recipe a few years back and love it. We call it white trash margaritas or beer can margaritas. 2 cans of beer such as corona or bud I can of defrosted limeade 2 cans of sprite or 7up 2 cans of tequila (I like Costco's tequila) Some ice Not too sweet or sour. The carbonation from the sod...
by We'll See
Fri Sep 18, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Student Loan ReFi - Fixed or Variable
Replies: 5
Views: 275

Re: Student Loan ReFi - Fixed or Variable

I'd do the variable. I did the same things years ago and it was a good choice.
by We'll See
Thu Sep 17, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Help With (short term?) Car Purchase
Replies: 6
Views: 570

Re: Help With (short term?) Car Purchase

Perhaps a Jeep Wrangler or Toyota Tacoma? They hold their resale value very well.
by We'll See
Wed Aug 05, 2020 2:59 pm
Forum: Personal Consumer Issues
Topic: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?
Replies: 33
Views: 1585

Re: Cordless String Trimmer - 40V? 18V? 4Ah? 2.5Ah?

I use a Dewalt string trimmer for my small in-town lot, 20 volt 5 amp hour battery. It is a clear step down from the gas powered stihl trimmer, but works for my lot. Takes me 10 minutes to do the entire yard, another 10 minutes to blow the deck and driveway with the same battery and I do not notice...
by We'll See
Fri Jun 12, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Refinance Mega Thread
Replies: 10200
Views: 731883

Re: Refinance Mega Thread

I just closed my Refi. Used a broker I have used in past. 75% ltv, about 325,000 in principle. 30 year fixed at 3.25%. Took over two months because of Covid. I'm self employed which added to delays. No appraisal required. Got 1,900 back to me at closing plus I will get refunded my escrow balance fro...
by We'll See
Wed May 20, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Ford F150 Engine long term reliability - V8 versus Turbo V6?
Replies: 86
Views: 6880

Re: Ford F150 Engine long term reliability - V8 versus Turbo V6?

I own a 2017 f150 screw with the 2.7 ecoboost and bought it new. It has about 45,000 miles and it has been very reliable thus far. When looking at full size trucks I specifically wanted the turbo v6. It has more low end torque versus most other half ton v8s and gets better gas mileage. Because it is...
by We'll See
Wed Apr 15, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 8166

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

I applied through Chase on 4/3. Then I received an email a few days later asking for additional info and it made me do the application all over again. I've heard nothing since then. I'm hearing that the smaller banks are doing a much better and more efficient job getting the approvals and moving the...
by We'll See
Wed Apr 15, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 26223

Re: IRS Get My Payment up and running

sergio wrote: Wed Apr 15, 2020 9:10 am I owed in 2019 and had to put in my direct deposit info, didn't have any issues.
Same here. Not sure why they didn't use my checking account info from the 2018 return when I got a refund deposited into my account.

Let's see how long it takes from this point forward.
by We'll See
Fri Apr 10, 2020 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?
Replies: 22
Views: 3321

Re: I was denied a mortgage refinance due to a "net tangible benefit rule". Is this a real thing?

I'm refinancing my mortgage and the best I can do right now is 3.5% with zero out of pockets. My guess is your deal was too good to be true and the mortgage broker couldn't get the lender to make it work.
by We'll See
Thu Feb 13, 2020 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Entrepreneur or startup or small business forum like bogleheads?
Replies: 4
Views: 571

Entrepreneur or startup or small business forum like bogleheads?

Are there any forums similar to bogleheads for startups, small businesses, entrepreneurs, etc. that members recommend?

I've searched and haven't found much.
by We'll See
Wed Aug 28, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 7680

Re: Purchasing a truck - thoughts?

I’m in the market for a new vehicle, current vehicle is a Subaru with nearly 100k miles - trade in value around $8k I’m looking to purchase a truck next year - 2020 model I’ve been looking at several make/models and can’t really decide between them. My main factor/appeal is reliability, I’m not loo...
by We'll See
Thu Dec 20, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Basement minimum height requirement -- can I ignore until house sale?
Replies: 34
Views: 3717

Re: Basement minimum height requirement -- can I ignore until house sale?

I would do it and wouldn't rip it out until the buyer asked you to. Even if you disclose that the ceiling height is not to code the buyer may like it finished and want to keep it. +1 To hell with the code. If it’s your house and is not a safety hazard, do it. Totally agree. 7' clear is really good....
by We'll See
Mon Nov 19, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: Too many choices for my next TRUCK
Replies: 99
Views: 8694

Re: Too many choices for my next TRUCK

Got the truck. It ended up being a new 2019 F250 6.2L FX4, OTD $43K. Thank you for all the advice. The smaller Taco, Ridgeline would not have worked. The 1/2 ton 2WD (any brand) would have done it. But... Toyota was hard to shop for because new ones with the 5.7L and the larger gas tank was rare, f...
by We'll See
Fri Nov 16, 2018 11:06 am
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15943

Re: Are We In A Real Estate Bubble?

I'm in the chicago suburbs. Home purchase prices are still less than 2007.

Rental prices, however, are considerably higher though.

All real estate is local.
by We'll See
Fri Nov 02, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: Ford Airbag Class Action
Replies: 5
Views: 484

Re: Ford Airbag Class Action

I am in the same situation. I have a 2012 Ford Fusion as well and had called the dealer in my city last month who said that they did not yet have parts to do the repair. I was considering going the route that some BH's went where they got an Enterprise rental paid by Ford while they were waiting on...
by We'll See
Tue Oct 23, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Beer - Strong German Style Lagers
Replies: 56
Views: 5725

Re: Beer - Strong German Style Lagers

If you make it to Wisconsin try the New Glarus Staghorn which is their Octoberfest beer. I'm a fan. Some of their other beers are pretty good too.
by We'll See
Mon Oct 01, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: New Homeowners - Paint first or fix hard wood floors first?
Replies: 15
Views: 1462

Re: New Homeowners - Paint first or fix hard wood floors first?

First, take the baseboards off. Second, refinish the floors. Third, lay many drop cloths. Fourth paint walls. Fifth, install baseboards and crown molding. Lastly, consider getting HVAC ducts cleaned and make sure to change the furnace filter.
by We'll See
Wed Sep 26, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Ford F-150 Technical Service Bulletin, legal ramifications
Replies: 34
Views: 4819

Re: Ford F-150 Technical Service Bulletin, legal ramifications

OP, do you have the 2.7 ecoboost or the 3.5 ecoboost?
by We'll See
Thu Aug 23, 2018 2:30 pm
Forum: Personal Investments
Topic: Company 401k contbr capped as % of paycheck
Replies: 24
Views: 2258

Re: Company 401k contbr capped as % of paycheck

Also, it is unlikely your traditional ira contributions are deductible because you are covered by a qualified workplace retirement plan for at least one day during the tax year
by We'll See
Mon Jan 08, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cost Segregation Study Worth the Expense? Real estate
Replies: 4
Views: 587

Re: Cost Segregation Study Worth the Expense? Real estate

I’m a subject matter expert in this area. The dollar value of your property is on the fence as to whether or not is makes sense to do the study. Basically the accelerated depreciation deductions prevent you from prepaying taxes. In your situation I recommend you do the study since you plan to hold t...
by We'll See
Thu Dec 28, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Roth income limits - changes in new tax law?
Replies: 4
Views: 1017

Roth income limits - changes in new tax law?

Did the new law increase the income limits for contributing to a ROTH? I’m specifically concerned with married filling jointly. For 2017 it is 196,000 and I think we are going to exceed that this year and next year.
by We'll See
Wed Sep 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Lease vs. Buy debate with a twist...
Replies: 33
Views: 3427

Re: Lease vs. Buy debate with a twist...

I think there is a bit of a financing bubble both in length of terms (i.e. 7 years) and willingness to give credit to just about anyone. That financing bubble directly raises prices of some vehicles. I think most non luxury cars and minivans are still well priced. I think most trucks and SUVs are ov...
by We'll See
Wed Aug 23, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 10356

Re: Safe car for wife and baby

One of the safest vehicles you can get is a minivan. Plenty of room, reasonable price, and ok gas mileage. Not the coolest vehicle but is great for road trips and hauling other kids.
by We'll See
Wed Aug 23, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Loan to Repay 401k loan upon separation?
Replies: 7
Views: 990

Re: Personal Loan to Repay 401k loan upon separation?

Light stream will generally have the best rates of your credit is pretty good. Can you afford the payments on a 3 year personal loan? Their rates are around 4%.
by We'll See
Mon May 01, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: Buy condo now, or wait a few years and then enter CCRC?
Replies: 26
Views: 3582

Re: Buy condo now, or wait a few years and then enter CCRC?

I used to develop a variety of senior housing. Do you want to be by your kids? If so, you are a great candidate to just rent a 2 bedroom apartment in a nice senior housing complex and wing it from there. It will be less expensive and give you many options.
by We'll See
Mon May 01, 2017 9:32 pm
Forum: Personal Investments
Topic: Is target date fund the best way to go?
Replies: 19
Views: 4261

Re: Is target date fund the best way to go?

I am new to this forum. In the process of consolidating all retirement assets to Vanguard. I am 61 years old. My goal is to retire at age 66. Current savings are sufficient. Not trying to play catch up. The appropriate target date fund for me would be the 2025 Fund (VTTVX). Question ... Is putting ...
by We'll See
Mon May 01, 2017 9:22 pm
Forum: Personal Consumer Issues
Topic: Car maintenance for older cars - where do you go ?
Replies: 52
Views: 5676

Re: Car maintenance for older cars - where do you go ?

I have 2011 Camry with 65K miles and today Toyota dealer charged me $78 for oil change ( synthetic oil ). I think it used to be around 60. Few things I like at Toyota dealership: 1. They check lot of stuff like ( tire tread, under the hood , brakes , transmission liquid etc ) and give recommendatio...
by We'll See
Mon May 01, 2017 9:18 pm
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 5814

Re: buying dining table is hard

My wife and I found lots of tables we liked for less than 1500 in the Chicago area few years back. However, most of the chairs we found were cheapish. I think we spent less than 3,000 for an expandable table you are describing with 8 chairs. It is not pre-scaraped- my kids antique it. We are reasona...
by We'll See
Mon May 01, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968269

Re: What's Your Credit Card Rewards Strategy?

Citi double cash on everything except for united flights. 2% cash back on everything and no BS. I have a united card too with their diluted miles which is only good for boarding group#2 which does have some value. I will add that between work and personal I spend on average 5,000 per month for compa...
by We'll See
Mon May 01, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 3287

Re: Truck purchase: buy new vs buy used vs lease analysis

People commenting about the 10 to 12k off are for models that no one wants. I have a 2013 F-150 4x4 XLT crew cab. I bought it brand new in April, 2014. Sticker was $44k and I paid $33k. The dealerships in my area would only take about $5k off the price, but a small dealership in rural Ohio actually...
by We'll See
Mon May 01, 2017 8:23 pm
Forum: Personal Investments
Topic: Stay Out Of REITs?
Replies: 35
Views: 5763

Re: Stay Out Of REITs?

Would it be wise to stay out of REITs given their valuations? Since we've had low interest rates over the last several years, people have been piling into REITs chasing yield. I used to have too much allocation to REITs but I haven't bought them for several years so now it is less than 20% of my to...
by We'll See
Mon May 01, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Motor Home
Replies: 33
Views: 5113

Re: Motor Home

^1 year older tomorrow and will work one and a half more years and then maybe 2 days per week until 63(Dentist). My wife and I would like to purchase a motor coach 40 feet or so and travel 3 to 4 months of the year. I am having a hard time because of the depreciation of the coach and travel cost. T...
by We'll See
Mon May 01, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 3287

Re: Truck purchase: buy new vs buy used vs lease analysis

"If anyone has a "go-to" ford dealer in California I'd be grateful for the referral." Wrong coast sorry cannot help there. Bought mine in August 2016 but was unable to get the Ford prices down much from MSRP - got a Chevy loaded for $12K below MSRP. I have owned both Ford and Ch...
by We'll See
Mon May 01, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 3287

Re: Truck purchase: buy new vs buy used vs lease analysis

I went through the same thought process two months ago. I ended up leasing a 2017 crew cab xlt with the 2.7 ecoboost and 4x4. I spent a lot of time researching and the deals for this model were better leasing than buying. Plus, if there is a bubble in pricing that pops Ford has to deal with it not m...
by We'll See
Wed Feb 15, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loans vs Potential Higher Mortage Rate
Replies: 16
Views: 1621

Re: Student Loans vs Potential Higher Mortage Rate

You could consider a lender paid pmi loan. The rate is a bit higher than conventional but I think it is better than a regular pmi type loan. You should run the numbers.

Make sure you have adequate cash after you close on the house. Your first year or two in the new house will be spendy.
by We'll See
Fri Feb 10, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - which one? Small taxable account
Replies: 6
Views: 837

Re: Turbo Tax - which one? Small taxable account

Thank you both. I bought deluxe fed and state today from Costco for $40 which worked well. However, they ding you $20 if you want to efile the state return which I ended up paying.
by We'll See
Fri Feb 10, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax - which one? Small taxable account
Replies: 6
Views: 837

Turbo Tax - which one? Small taxable account

Will Turbo tax deluxe work for me or do I need to get Premier? I have a small taxable account with roughly $40 in dividends. It is the Schwab total stock market mutual fund. I only bought and didn't sell anything in 2016. No rental property. The Turbo tax website hasn't been too helpful for deciding...
by We'll See
Thu Feb 09, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Boats
Replies: 36
Views: 4248

Re: Boats

I own a Lund 1875 Crossover with a 175hp Verado. Good mix of fishing and pleasure but I do more fishing. Can hold up to 8 people and plenty fast. I trailer it to different lakes. A pontoon with lots of power would work well for a large family but they aren't the greatest for certain types of fishing.
by We'll See
Tue Dec 20, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 32
Views: 5886

Re: Upstairs Bungalow Remodel / Bathroom Addition

You can fit a 3/4 bath in 5' x 5'. Do some google searching. However your shower will need to be no larger than a 36" corner unit or maybe even a 30" corner unit. It will help immensely to have the bathroom door open into the bedroom, not into the bathroom. You could also consider a pocke...
by We'll See
Tue Dec 20, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Upstairs Bungalow Remodel / Bathroom Addition
Replies: 32
Views: 5886

Re: Upstairs Bungalow Remodel / Bathroom Addition

You can fit a 3/4 bath in 5' x 5'. Do some google searching. However your shower will need to be no larger than a 36" corner unit or maybe even a 30" corner unit. It will help immensely to have the bathroom door open into the bedroom, not into the bathroom. You could also consider a pocket...
by We'll See
Tue Dec 20, 2016 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Kitchen Renovation - Cash or Loan?
Replies: 22
Views: 2233

Re: Kitchen Renovation - Cash or Loan?

Check out Lightream loans. They are a division of Sun Trust. I've used them before and it has worked well. You need very good credit though.