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Re: What octane gas do you use to fill your car?

I have a Honda Civic Si and I use the recommend premium grade gas, which is 91+. I usually use 93 octane or higher since it's all I can get other than 89 octane.
by camaro327
Sun Jun 29, 2014 6:39 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6067

Re: What would you do with gold coins?

I would decide if you want to hold these as part of your allocation. If so You should pick how much you want to hold and just buy your stock/bond mix until your at your target allocation.
by camaro327
Wed Jun 04, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with gold coins?
Replies: 25
Views: 1605

Re: Vacation Pay when leaving a job?

This is company policy specific. I would talk with HR.
by camaro327
Fri May 09, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation Pay when leaving a job?
Replies: 16
Views: 1582

Re: Anyone know the new I-Bond Rate ?

This rate is a game changer. I mean seriously the loss of 0.10% is devastating. :)

I think it's a near meaningless difference for those that waited.
by camaro327
Thu May 01, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 1629

Re: Vanguard e-delivery

I like the e-delivery, since the quarterly statements get shredded when the year end arrives anyway.
by camaro327
Thu Apr 24, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 1326

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

You're going to have to be able to drive it 2yrs or to 210K miles without other repairs to make it worthwhile. It's the "other" repairs that may come back to bite. With it's age I would rather put the money toward a new Honda Civic LX, base Mazda 3, etc. Then you can begin the chase for 25...
by camaro327
Fri Apr 04, 2014 5:43 am
 
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 1349

Re: New Friends are the Anti-Bogleheads, what to do?

I would just enjoy the company, since they clearly make enough money to make some of the decisions they currently are making in your original post. It would only bother me if they wanted me to emulate their decisions or lifestyle.
by camaro327
Tue Apr 01, 2014 6:54 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 9141

Re: Used $35k Porsche on $64k income?

This does not appear to be the wisest thing to do. An expensive used car with high repair cost is not well thought out. If you're into performance cars then a new Mustang or Camaro with an eight makes more sense if you live somewhere you can drive it year round and the maintenance cost would be reas...
by camaro327
Tue Mar 04, 2014 7:20 am
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6903

Re: Building Up Cash

If they are tax advantaged accounts as is the TSP the g fund rocks and if the Roth ira, then the vanguard mm is fine. If you are doing any taxable then I would find an online account with a rate near 1%. You could do that with the Roth, but it may be a waste of time depending on the amount of money ...
by camaro327
Fri Feb 28, 2014 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Building Up Cash
Replies: 6
Views: 1184

Re: Choosing between sub-par 401k funds & Roth IRA

Almost everyone needs to hold both a stock fund and a bond fund in the 401k. That is because the 401k is usually the fastest growing account. You have taken the "costs matter" mantra too far. The point is to make the best portfolio you can with what you have offered. There is nothing at a...
by camaro327
Tue Feb 11, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing between sub-par 401k funds & Roth IRA
Replies: 17
Views: 739

Re: $25K Budget for a Fun Car

Interesting cars would be the last Saturn Sky Redlines or Pontiac Soltice GXPs. These have turbos and you would not be seeing yourself coming and going.

Those come to mind first, but Evos, SRT8 (you name the model), and maybe a used Civic Si and then bump it up with a turbo.

Have Fun!
by camaro327
Thu Feb 06, 2014 6:50 am
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4588

What will Penfed's February CD rates be?

Since, I've seen some speculation on the "New PenFed CD rates!" thread I thought I would start a 2 day poll.
by camaro327
Wed Jan 29, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: What will Penfed's February CD rates be?
Replies: 5
Views: 1374

Re: Truck/Car Envy....How do You Deal with It?

I used to love cars... Then I worked for 30 yrs building cars.They are machines, point A to point B, toasters on wheels. I think this quote puts things in perspective. I loved cars in my youth, but I wasn't fully aware of all the associated costs of vehicle ownership at the time. I still like follo...
by camaro327
Tue Jan 21, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Truck/Car Envy....How do You Deal with It?
Replies: 64
Views: 5201

Re: Reached first savings milestone: 1x salary

Congrats! Definitely better than I was at 27. I think mine was 0x my salary at the time.

Great Start!
by camaro327
Thu Jan 16, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reached first savings milestone: 1x salary
Replies: 29
Views: 3145

Re: Sell and repurchase I-Bonds?

It will take you 18 months to make up for the 3 month penalty and you will reset the penalty clock on the new ibonds.
by camaro327
Thu Jan 09, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sell and repurchase I-Bonds?
Replies: 10
Views: 962

Re: Mini Cooper or Fiat 500?

Civic SI, if you drive stick. Other neat small size sticks would be the Fiesta ST and Focus ST. Although the Honda will provide better resale.
by camaro327
Thu Jan 09, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 4344

Re: How to weather the upcoming bond crash in my 401k

Is 14% exposure too low? I'm not risk averse and have no short term need for cash beyond an emergency fund. Since you seem to enjoy risk and are convinced of the Bondpocalypse, you could move your 401k bonds to cash and use money in your emergency fund or a HOLEC if available to short either a bond...
by camaro327
Thu Jan 09, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to weather the upcoming bond crash in my 401k
Replies: 86
Views: 7349

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

I would buy a new Camary over this. This one is 33K miles closer to costly repairs and the AWD will cost more to service when something poops out.

I read an article recently (don't recall where), however it listed the IS 250 as overrated. It stated something about being pricey and lacking power.
by camaro327
Sat Jan 04, 2014 3:24 am
 
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 18
Views: 1939

Re: New car now?

I would look at buying a new 2014 civic lx (either 2 or 4 doors, depending on your needs). It is the first year for the new CVT (a plus), and it underwent some other nice updates. Other cars possible: 4 cylinder Accords or Camarys, Maybe the Chevy Sonic that has high safety ratings and great mpg, if...
by camaro327
Wed Jan 01, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 2743

Re: short term location for $10K

I would split the 10K evenly between the 2% CD and ibonds. I did vote for ibonds, since if it all went into one investment for the 3 years, that would be my pick.
by camaro327
Wed Jan 01, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: short term location for $10K
Replies: 10
Views: 818

Re: 2014 Boglehead Predictions Thread

Okay, how about:

S&P hits 2,000 sometime in 2014.
10 year treasury at 3.5% by year end.
Short term fed funds rate still at 0% by year end.
by camaro327
Tue Dec 24, 2013 7:04 am
 
Forum: Investing - Theory, News & General
Topic: 2014 Boglehead Predictions Thread
Replies: 57
Views: 5233

Re: Swamped In Debt - Thoughts?

I would go after the 2nd mortgage with the 6.25% rate first. Then the non-zero car loan. I wouldn't take out any more than one car loan at a time in the future. Then you can pursue extra payments towards the 1st mortgage. The student loans don't bother me the rates are fairly good, I would only conc...
by camaro327
Sat Dec 21, 2013 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Swamped In Debt - Thoughts?
Replies: 68
Views: 9081

Re: Poor PenFed Reviews

Instead of mailing a check, transfer it to your share account. At another bank or brokerage setup ACH link to that share / savings account at Penfed. Then pull the money by initiating this transaction from your other institution instead of trying to push it via Penfed... As long as other institutio...
by camaro327
Fri Dec 13, 2013 7:43 am
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 8164

Re: New PenFed CD rates!

Sorry for the very basic question, but could anybody help me figure out what is the CUSIP for the Penfed 5-years CD being discussed on this thread? Brokered CDs are offered through a brokerage. These CDs are offered directly to customers. This is also one reason why PF can offer higher rates (no br...
by camaro327
Wed Dec 11, 2013 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 36463

Re: Best new car-under $30K

SquawkIdent wrote:2013 Honda Fit. Then take the $12,000 you have left over and invest it. :sharebeer


If you can wait a few months, the new 2015 Fit will be out. It looks like a small Odyssey, 36 mpg, and great resale, not to mention some left over to invest.
by camaro327
Wed Dec 11, 2013 7:57 am
 
Forum: Personal Consumer Issues
Topic: Best new car-under $30K
Replies: 44
Views: 4299

Re: I Bond Fixed Rate Changes

Depends on how much you want to have allocated to ibonds. The annual limit is 10K per person. So you may just want to add new ones at the higher rate.
by camaro327
Mon Dec 09, 2013 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: I Bond Fixed Rate Changes
Replies: 6
Views: 1373

Re: Anybody buying EE bonds these days

Careful here--your foregone interest is the risk-free rate on a one-year Treasury, very close to 0% right now, not 3.47%. The EE bond you bought 12 months ago now has 19 years to maturity, and a yield-to-maturity around 3.7%. The bond from two years ago has a ytm of 3.9%. I cashed part of my 2012 p...
by camaro327
Mon Dec 09, 2013 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Anybody buying EE bonds these days
Replies: 47
Views: 3418

Re: Wife upset - loss of principal in Bonds

hi, i told my wife to invest in bonds vs putting money in checking acount and now my wife is upset when she saw he lost $445 of principal for 20K bond investments. ... Question: 1. Should I sell all the bonds now b/c i am afraid that with FED tapering bonds may loose more principal? Way to many bon...
by camaro327
Sun Dec 08, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Wife upset - loss of principal in Bonds
Replies: 60
Views: 7220

Re: New PenFed CD rates!

What do you guys think is better, reinvesting or taking the monthly dividends ? (I didn't major in math)Over 3 -5 years will it matter that much at these rates ? I would also set to reinvest, however I believe with Penfed you may be able to change the dividend reinvestment during the CD term. Hopef...
by camaro327
Mon Dec 02, 2013 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 36463

Re: Execute my IPS rule re: I Bonds and TIPS?

I'm thinking an IPS can be revisted from time to time. It all comes down to the cost of the LTCG vs the benefit of doing the I-bonds vs the Tips fund. From your IPS "whenever possible", does this mean without consideration for recoginizing and LT or ST CGs? I think I would skip a year as l...
by camaro327
Wed Nov 27, 2013 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Execute my IPS rule re: I Bonds and TIPS?
Replies: 4
Views: 484

Re: PenFed pulls a "fast one"

Yes this happened awhile ago. My only problem with this is lack of communication. I redeemed some rewards right after the change then they reverted back to the old reward levels for a couple weeks or so (thinking this was Aug/Sept). I did at least get them to give me some of my points back, however ...
by camaro327
Tue Nov 26, 2013 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed pulls a "fast one"
Replies: 8
Views: 2455

Re: Can I Bonds be part of a Bond AA?

Perhaps it's semantics, but I call that side of my AA Fixed Income, not bonds. In it, I keep cash, CDs, I-bonds, bond funds, etc. I don't have any stable value funds right now, but would throw them in there too. Agree with the assessment. Cash, I-Bonds, CDs, etc. are subsets of a fixed income alloc...
by camaro327
Sun Nov 24, 2013 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Can I Bonds be part of a Bond AA?
Replies: 12
Views: 1113

Re: 401K with high ER's except for Vinix...how to diversify?

+1, stick to S&P 500, use a IRA for diversification. +2 for the S&P 500. Total Int'l in IRA or Taxable, depending on when you add mid or small caps. In other words, I would build total int'l in the IRA and not consider adding any mid/small caps until the S&P 500 was a substantial amount...
by camaro327
Wed Nov 20, 2013 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K with high ER's except for Vinix...how to diversify?
Replies: 9
Views: 788

Re: First Vanguard Investment - 15K

Does anyone have any feedback on the 5 funds I have noted?Should I be looking at a dividend fund? I would put 10,000 towards total stock market admiral shares (lower er) and 5,000 into total international. But to help further, we need more info. See this link. http://www.bogleheads.org/forum/viewto...
by camaro327
Tue Nov 12, 2013 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Vanguard Investment - 15K
Replies: 5
Views: 792

Re: Share Certificate 3 year PenFed 2.02% apy

I noticed PenFed has this verbiage at bottom of the page now.I thought they honored the posted rates for an entire month?"Annual Percentage Yield (APY) is accurate as of November 01, 2013 - November 30, 2013 and is subject to change at any time." Yes, I've only know them to stop in the mi...
by camaro327
Sat Nov 09, 2013 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6662

Re: Nov I-Bonds 0.2%

I was under impression that Ibond rate will adjust by itself like a Saving account / money market? In another word, your rate is will automatically adjusted when the new rate kicks in, right? Yes. It will kick in at 6 month intervals after your original purchase date. Some examples, if you buy in N...
by camaro327
Sat Nov 09, 2013 7:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Nov I-Bonds 0.2%
Replies: 17
Views: 2332

Re: Share Certificate 3 year PenFed 2.02% apy

Yes, but it needs to arrive at PF before the end of the month. When I've done transfers, they have typically taken about two weeks.

Maybe someone can weigh in with a faster way.
by camaro327
Sat Nov 09, 2013 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6662

Re: Nov I-Bonds 0.2%

The OP's question is a bit vague. Is the money for LT or ST savings? If LT holding period and you don't have other funds, then exchanging for new ones may be a good idea. If ST, then the penalty would be approximately 0.3% (currently), and you would be holding the new bonds at least 2.5 years to bre...
by camaro327
Fri Nov 08, 2013 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Nov I-Bonds 0.2%
Replies: 17
Views: 2332

Re: 42 with $125k cash and mediocre retirements - thoughts?

I'm confused :confused , why are we doing a backdoor roth on 65K of salary? Or is this due to fluctuations in earnings?

Also as the previous poster noted, fund names helps a bunch.
by camaro327
Thu Nov 07, 2013 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: 42 with $125k cash and mediocre retirements - thoughts?
Replies: 31
Views: 5187

Re: Confused analyzing 401k vs Roth 401k

If you're in doubt. Maybe split it out like this: $8,750 to Roth, Traditional, and Taxable. This provides a high level of tax diversification. I'm figuring this based on your stated marginal tax rate of 50%, which by contributing to the Traditional 401k would provide the money for the Taxable. Note:...
by camaro327
Wed Nov 06, 2013 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused analyzing 401k vs Roth 401k
Replies: 16
Views: 923

Re: Paying off Student loan vs. Saving

Bob's not my name wrote:They're in the 15% bracket, not the 25%.


Yes, with HHI at 90K and MFJ filing status that would be the 15% bracket.

As one or two others have mentioned, get the 401K match and put the rest on the student loan.
by camaro327
Wed Nov 06, 2013 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Student loan vs. Saving
Replies: 29
Views: 2318

Re: Mini Cooper or Fiat 500?

Definately the Mini, excellent resale and great styling.

Or if you're looking for a Manual Transmission, the Fiesta ST (as mentioned earlier), when it's launched.

FIAT's goofy looking.
by camaro327
Thu Oct 31, 2013 6:24 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 4344

Re: EE savings bonds

JamesSFO wrote:Keep in mind that EE bonds are guaranteed to double in value at a certain point...


Exactly, however I can't tell from the OP's original post, if it's the original maturity (doubling period) or when they stop earning interest they are referring to?
by camaro327
Fri Oct 25, 2013 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds
Replies: 14
Views: 903

Re: 2013/2014 Honda accord - any better values?

I've driven both. The V6 definately feels more powerful, however it's somewhat useless power. The I4 has 185 hp , slick CVT, and 0-60 in 7.5 seconds. More than enough power for commuting and way faster than the regular Civic. Honda's CVT feels real smooth/nice. The V6 is top speed limited to 125, so...
by camaro327
Thu Oct 24, 2013 8:56 am
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 16937

Re: (relocated thread) - wine, cars, collectibles - demograp

I personally thnk that the sun will set on mass auto collecting in the next 50'years as, to paraphrase you, the concept of what a car is changes. In a world of self driving cars, there may be no place or few places to enjoy an old ICE manual driver. I've thought about this too. It seems that the ca...
by camaro327
Wed Oct 23, 2013 6:02 am
 
Forum: Investing - Theory, News & General
Topic: (relocated thread) - wine, cars, collectibles - demographics
Replies: 5
Views: 684

Re: Repay HSA?

No, if you put the max of $3,250 in, you cannot put any additional into your hsa. It would be like trying to contribute $6,500. This is analogous to taking distributions from a Roth IRA. You can take the distribution, but you've lost the chance for that money to compound over time since you can't pu...
by camaro327
Sat Oct 19, 2013 6:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Repay HSA?
Replies: 2
Views: 353

Re: Lawsuit Proceeds, Now What......

I might keep the car loan until I had a good handle on the taxes and the house I was deciding on.

1.49% is not bad for a short period of time such as 6 to 12 months.
by camaro327
Thu Oct 17, 2013 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lawsuit Proceeds, Now What......
Replies: 45
Views: 4460

Re: VG funds merging and other related fund news

After reading Vanguards release on this, it states the new fund will be known as the "The merged fund—to be named Vanguard Developed Markets Index Fund".

Why is the fund by the same name currently closed if the new fund is still an index fund. :?
by camaro327
Wed Oct 16, 2013 9:59 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6915

Re: Annoyed with Vanguard. How do you cancel [exchanges]?

The Wizard wrote:You might want to switch to ETFs at Vanguard if you want better trading response...


I concur; mutual funds are not for market timers. It's a policy in place to aid Vanguard and its true investors.
by camaro327
Mon Oct 07, 2013 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annoyed with Vanguard. How do you cancel [exchanges]?
Replies: 72
Views: 7153

Re: Roth 401k vs Traditional 401k

I would lean roth, due to the 15% bracket. If you get a raise and any dollars are in the 25% bracket, make sure to make some contributions to traditional to get it back to the 15% bracket.

The 7% state tax is fairly high, but I would lean roth with the 15% bracket dollars.
by camaro327
Sat Oct 05, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k vs Traditional 401k
Replies: 6
Views: 703
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