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Re: Repair or replace old Taurus?

Personally, I wouldn't fix the car at this point. I'd just let it go. However, have you looked into the possibility of just dropping another engine into it instead. Depending upon the specs of which engine you have, used 98 Vulcan engines with around 90K miles on them are around $800-$1,100 includi...
by WHL
Sat Jul 19, 2014 1:10 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2761

Re: Repair or replace old Taurus?

I wished people who stop repeating the "safety" thing like cars from 2005 are just spontanously combusting on the roads. Cars are safe. Yes, some score higher but there is nothing wrong with driving a 2000 model of most cars. You won't be suddenly ejected from the driver's seat like you w...
by WHL
Sat Jul 19, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Repair or replace old Taurus?
Replies: 32
Views: 2761

Re: Moving from Edward Jones to Vanguard

Why do you have so much in taxable? Are you maxing available retirement accounts? I'd just take the plunge and rid myself of the bad investments.
by WHL
Sat Jul 19, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard
Replies: 9
Views: 1179

Re: Reasons to go with a local vs national mortgage lender?

retiredjg wrote:...You will fax them information...


One quick question here...I don't fax anything. Do they require fax for some documents, or is email sufficient? I'm not going to do business with someone still prominently utilizing fax machines.
by WHL
Sat Jun 21, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Reasons to go with a local vs national mortgage lender?

Whatever you do, DON'T USE PENFED! I'm currently using PenFed and it is like pulling teeth. Actually, pulling teeth may be less stressful.... Duuuuuuuude, WTH? I applied with them this morning and was approved, pending verification of documents, of course. They have the best no points rate I could ...
by WHL
Sat Jun 21, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Reasons to go with a local vs national mortgage lender?

As with being a consumer of anything, you should do the research and challenge any suspicious or excessive line item in your loan closing documents. This is regardless of whether the lender is local or national. I also wondered how quickly your agent followed up with a list of recommended local len...
by WHL
Sat Jun 21, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Reasons to go with a local vs national mortgage lender?

Your real estate agent likely has local contacts they might get perks or kick backs from also. Don't forget where their interest really is. For sure - this is why I am skeptical and haven't considered using them in the past, and why I didn't use the dealerships financing when I bought my last vehic...
by WHL
Sat Jun 21, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Reasons to go with a local vs national mortgage lender?

My experiences are that the local lender cost me money. We used a mortgage broker after shopping around for our first loan. Later when internet loans came out, she was going to cost us a few thousand dollars more to refinance and would not budge. My advice is to shop around and don't believe what a...
by WHL
Sat Jun 21, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Job loss

On the way wrote:Thanks WHL,

It's what they add up to, obviously I will have to go through to look at necessities versus wants.


Your explanation / details would be helpful. One, to potentially help you, and two, to not get in the same predicament myself (if it's something avoidable!).
by WHL
Sat Jun 21, 2014 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2481

Re: Have you used Vanguard for this?

Elaborate on what you mean by "income." If you want interest and dividend payments, put your money into the typical 3-fund portfolio and don't have dividends reinvested. Boom, you just created income from your IRA. I doubt Vanguard is going to lead you to some sort of "purchase real e...
by WHL
Sat Jun 21, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you used Vanguard for this?
Replies: 3
Views: 820

Re: Job loss

I realize this isn't what your post asked, but I have a question...how do you have 65k a year in expenses with only a 137k mortgage? It would be a huge benefit if you could knock those expenses WAY down...
by WHL
Sat Jun 21, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Job loss
Replies: 40
Views: 2481

Re: Should I sell from taxable to help with house down payme

Just sounds like a little buyer's remorse showing up before the buy. It can be quite nerve wracking parting with a bunch of cash and taking on a debt like that. Don't worry, it passes. What was the savings account for... down payment on a home? Then good job, go forth and buy a home! :) Looks like ...
by WHL
Sat Jun 21, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 370

Reasons to go with a local vs national mortgage lender?

The real estate agent told me that the local lender has knowledge of the local market and requirements and could potentially save me money by not requiring certain things that aren't necessary per my local government that the national lender may not know about. Obviously, the appeal to a huge nation...
by WHL
Sat Jun 21, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to go with a local vs national mortgage lender?
Replies: 24
Views: 1072

Re: Should I sell from taxable to help with house down payme

What is the cash flow, now and then? How fast are you building your taxable account, now and then? Your rent is $1200 and your mortgage is $1200 but the roommate will be paying $600 is one story. Your rent is $500 and your mortgage is $2000 but the roommate will be paying $600 is another. Do you ha...
by WHL
Sat Jun 21, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 370

Should I sell from taxable to help with house down payment?

Question & Information: I'm planning on purchasing a house in the $140-170k range in the next month (loan application has been submitted). I have roughly 50k cash in savings - 30k is in my normal savings account, 20k is in my "new vehicle fund" savings account. I also have $26k in my ...
by WHL
Sat Jun 21, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell from taxable to help with house down payment?
Replies: 5
Views: 370

Re: Next steps after 401k/Roth IRA max

If you have a HSA I'd recommend you max that next. It's essentially an IRA that never gets taxed if you spend on medical expenses. From there, I'd recommend a combination of 529 and increasing after tax 401k contributions. Many here will tell you to go all in on the 401k after tax, but in my view y...
by WHL
Tue Jun 17, 2014 8:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Next steps after 401k/Roth IRA max
Replies: 7
Views: 818

Re: Talk me out of buying a Porsche Convertible. DISASTER!!!

UPDATE!!! "...in the auto world you do not ever change oil without changing the filter..." I don't know anything about Porsches, but with the various Honda's I have owned (Pilot, Civic Si, CRV, Shadow Spirit motorcycle) and with my Raider S motorcycle, the owner's manuals all say to chang...
by WHL
Sun Jun 15, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Porsche Convertible. DISASTER!!!
Replies: 45
Views: 6379

Re: Geico? No, thank you...

lol. I just decided to run a check through Geico. Their rate of $201 / 6 months was less than the $298 / 6 months Progressive had been giving me, so I JUST switched.

Thanks for the motovation :)
by WHL
Sat Jun 14, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5098

Re: Geico? No, thank you...

Not their fault you didn't provide completely accurate information. I'd hardly call it a bait and switch.
by WHL
Sat Jun 14, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Geico? No, thank you...
Replies: 49
Views: 5098

Re: Budget for charitable giving

My budgeted amount for charity donation is $0.00. I somewhat recently donated $20 to an small, unaffiliated wildlife center that takes in rescued animals. If I find the right organization, I have no problem giving a few dollars. I hope that $0.00 policy is because you have no money. Not that I wish...
by WHL
Sun Jun 08, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2599

Re: Purchasing property for student

Do you have other kids coming up that could use the property? Does your kid have friends that could guarantee that the house would be "fully occupied" to recoup as much of your money as possible? Besides those two questions, there are many many things that would factor in to this - locatio...
by WHL
Thu Jun 05, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing property for student
Replies: 13
Views: 1130

Re: Silly to trade in new car for used?

Keep it, make sacrifices somewhere else in your budget, and pay off all of the debt. Learn how to do the maintenance on the car yourself and be proactive with it. Drive the car until its ~20 years old. Don't shoot yourself in the foot now by getting rid of a good, reliable car and taking it in the w...
by WHL
Thu Jun 05, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Silly to trade in new car for used?
Replies: 18
Views: 1318

Re: Retirement vs. Non-retirement stash

25k in a taxable Vanguard account

250k between my Roth / tIRA / 401k accounts

50k in savings that I don't consider

20k in i-bonds and other "investments" that I don't often consider

so, I'm comfortable saying 1:10 :)
by WHL
Thu Jun 05, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement vs. Non-retirement stash
Replies: 37
Views: 2272

Re: Bad Advice from Schwab re "Mega Backdoor Roth IRA?"

My company doesn't allow for after-tax 401k contributions :( It's $17,500, either traditional or roth. Booooooo.
by WHL
Thu Jun 05, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Advice from Schwab re "Mega Backdoor Roth IRA?"
Replies: 48
Views: 4343

Re: What would you do with gold coins?

Nobody's mentioned risk: risk the coins will be stolen. The transaction and holding costs of physical gold are huge. So if you like gold as 'money', get GLD (the gold trust), not actual coins. If you like gold because it's shiny, thnk twice about where you keep them. No. Just, NO. Anyone who is int...
by WHL
Thu Jun 05, 2014 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with gold coins?
Replies: 25
Views: 1585

Re: Do Bogleheads Offer to Pay Cash for Services?

Actually it is. When you pay a contractor (or a supplier who delivered materials to your site) in cash, with no receipt and no lien release, you are wide open for them to file a workmen's lien and you have no way to get it removed. I assume the "cash discount" will disappear if the record...
by WHL
Sun Jun 01, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1947

Re: Worst "Large purchase" ever?

in 2000 I bought a 1997 Nissan Maxima GXE with an automatic transmission. I was 19 and had done a lot of research on what I wanted. I was really into the import car scene but didn't want Honda or Acura like everyone else. I bought, modified, and ran the hell out of that car for less than a year unti...
by WHL
Sun Jun 01, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Worst "Large purchase" ever?
Replies: 110
Views: 11628

Re: What's the latest in credit card offers?

pablolo wrote:chase has a limited time offer $200 back no annual fee if spend $500 in 3 months.


It gives 20,000 Chase UR points which IIRC isn't a new offer. Not bad, however. I already have around 400k in UR points...
by WHL
Sun Jun 01, 2014 5:05 pm
 
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1256

Re: Budget for charitable giving

My budgeted amount for charity donation is $0.00.

I somewhat recently donated $20 to an small, unaffiliated wildlife center that takes in rescued animals. If I find the right organization, I have no problem giving a few dollars.
by WHL
Sun Jun 01, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Budget for charitable giving
Replies: 39
Views: 2599

Re: Do Bogleheads Offer to Pay Cash for Services?

Oh, and just to provide an example: My former dentist offered a 10% discount for cash payments. It was well worth it for them to avoid the hassle of going through insurance.

I never took them up on the offer.
by WHL
Sun Jun 01, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1947

Re: Do Bogleheads Offer to Pay Cash for Services?

I always ask if there is a price discount for paying cash vs. credit card. If there isn't, or the discount is minimal (~3%), I pay by CC. I also never pay with cash if there is a chance, however unlikely, that I may need to return the item, have service work performed, or dispute the charges. An ind...
by WHL
Sun Jun 01, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1947

What's the latest in credit card offers?

It's been a few months since my latest round of credit card signups, and I need a few more to add to the pile. Current holdings: Amex hhonors surpass (annual fee, will be cancelled before 1 year mark) citi hhonors (no fee, will be kept indefinitely) citi AA personal (annual fee, will be cancelled be...
by WHL
Sun Jun 01, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: What's the latest in credit card offers?
Replies: 8
Views: 1256

Re: Question for renters that are happily renting..

I'd just point out that since landlords aren't running charities, there's going to be an additional cost of having all that stuff taken care of for you if you rent. Most folks have ties to their communities (family, friends, job, etc), so probably aren't going to be interested in drifting around th...
by WHL
Sat May 24, 2014 2:57 am
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 6712

Re: Passbook Accounts - Poll

A passbook to me is an app on my iPhone that holds some documents such as my starbucks card, airline boarding passes, etc. It works very well :)
by WHL
Sun May 11, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Passbook Accounts - Poll
Replies: 29
Views: 1499

Re: Investing in Gold/Silver Coins

I have physical silver. It's speculation, not investment in my case. I think over the long term stocks will vastly outperform metals. If you want gold or silver, I'd suggest you stay away from numismatics, do your homework on all purchases, and use a website such as http://www.comparesilverprices.co...
by WHL
Sun May 11, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Gold/Silver Coins
Replies: 37
Views: 2480

Re: Selling gold jewelry

If you really don't need the money, I wouldn't sell it right now. Do some market timing and wait for gold to bounce up a DFW hundred bucks :) My parents have quite a bit of stuff they never wear and we took it to a coin / jewelry dealer in town. His offer wasn't bad, but it wasn't good, either. I to...
by WHL
Thu May 01, 2014 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Selling gold jewelry
Replies: 15
Views: 1294

Re: Cost to change struts in lexus

You should really take the time to do it yourself. :) Struts are a little more complex than shocks because of the necessity to compress the springs, but it's still extremely easy. Look on http://www.rockauto.com for the parts you need. They also sell tools, and a usable set of spring compressors sho...
by WHL
Thu May 01, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Cost to change struts in lexus
Replies: 12
Views: 2121

Re: POLL: why carry cash?

I find myself frustrated waiting for the ones in front of me to dig pennies out of their pocket or purse, trying to find the exact change. . . . I can't say that my observations have concluded this, but I just don't understand why anyone wants to stand in line longer than they need to and walk away...
by WHL
Sun Apr 20, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13415

Re: Can you please convince me to get a credit card?

I have roughly 800k frequent flyer points / miles across a few different programs. The vast majority of these have come from credit card usage and sign up bonuses. You're free to value these points as you wish, but at the typically agreed upon rate of $0.01 / point, I'm sitting on roughly 8k in &quo...
by WHL
Fri Apr 18, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 12433

Re: Why pay off your house?

I love how people talk about losing the property tax deduction like its a big deal. Uh, I'd rather not pay interest in the first place.
by WHL
Sun Apr 06, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 9018

Re: water heater purchase from Amazon

I once ordered a rug from Amazon, 8x10.... and they sent me 10x12 .... TWICE. I was responsible for returning it, twice. Don't get your water heater from Amazon. Yeah, this isn't correct. If they made a mistake, they will NEVER charge for the product to be returned. Of course, you're responsible fo...
by WHL
Thu Apr 03, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1253

Re: Purchasing New Tires for Car and Need Suggestions

If you're an Amazon Prime member, make sure you check tire prices there. Shockingly, they were cheaper than Tirerack and very competitive with Discount Tire Co., who I ended up buying through. I purchased Yokohama Geolandar H/T-S tires for my truck. Good price (~$1200) and 60k mile expected life, wh...
by WHL
Thu Apr 03, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2500

Re: And suddenly, I'm done...

I've been this way for a few years now, but it got easier ~2 years ago when I moved to a traditional Boglehead philosophy. It's nice, not worrying about silly little things such as market movements, stock prices, bond bubbles, etc.

:sharebeer
by WHL
Thu Apr 03, 2014 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 5098

Re: Health Savings Account - Is it right for my family?

You need to look into the terminology and what it actually means, as has been said already. The HSA really has nothing to do with your insurance. Either you have a traditional HMO / PPO plan with copays and such, or you have a HDHP where almost everything is out of pocket. The HSA is available to he...
by WHL
Thu Apr 03, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account - Is it right for my family?
Replies: 3
Views: 402

Re: Maintenance $$'s spent over the lifetime on your Car

If you spent $7700 over that time period for that little amount of maintenance, you need to pick up a Haynes book and learn how to do the work yourself. There's no point to being frugal (Bogle) if you're not going to do something so simple as auto maintenance. I just started ordering and receiving a...
by WHL
Thu Apr 03, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Maintenance $$'s spent over the lifetime on your Car
Replies: 38
Views: 2914

Re: What was your dumbest financial decision?

Keeping upwards of 30k in a normal savings account for the past 3 years. Could have made an additional 15k if I had just stuck it in a total market or S&P fund. Assumuing that 30k is your emergency fund, you have to get past the feelings of "look what I could have earned" and into the...
by WHL
Sat Mar 01, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 106
Views: 9340

Re: Free flights with Credit Card offers

Yup. Lots of threads here on the subject, search for them.

I just got the bonus offers for:

Citi AA biz (50k)
Amex hhonors surpass (75k)
Citi hhonors (40k)

And a few months ago did the BoA Alaska airlines and a few others I can't remember.
by WHL
Mon Feb 24, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Free flights with Credit Card offers
Replies: 19
Views: 1723

Re: Please help me help my Mother with her investments

Livesoft - Thank you for your thoughts. From a fees perspective, there is a huge difference moving from Chase (~$14K annually in fees) to Vanguard (about ~$1K annually in fees for the Target Retirement Fund - VTINX). So we are getting 98% of the way there in terms of low cost. I think in her case, ...
by WHL
Wed Feb 12, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help me help my Mother with her investments
Replies: 18
Views: 1594

Re: First post. Here's my portfolio. Please advise Re:invest

Hold back some of the cash and make sure you are maxing out the 401k and IRA's. If your salary isn't enough to cover the bills while maxing out these accounts, use the cash surplus to supplement. There's no reason to have that much in a taxable account if you aren't taking full advantage of the tax-...
by WHL
Wed Feb 12, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: First post. Here's my portfolio. Please advise Re:investing
Replies: 16
Views: 1963

Re: Best cheap Motel for overnight stay?

While I agree that it's nice to have a national chain because you know roughly what you're getting into....realize that even national chains can vary in the room quality in some cities, since a hotel property could be rebranded with another brand without undergoing much (or any) renovation. Given t...
by WHL
Wed Feb 12, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Best cheap Motel for overnight stay?
Replies: 72
Views: 5972
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