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Re: How does car trade-in work?

In NJ, I also see "documentation fee" varies from $99 to $399. At least I did not see "advertising fee".
by htdrag11
Thu Jul 31, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

Wife has an older Mitsubishi Eclipse which she found the rear lift to be too heavy for her. She also wanted the heated seats I had installed in our classic Mustang and Explorer. Heated seat kits install easily and I use the nylon zip ties instead of upholstery rings. These days these kits run for w...
by htdrag11
Thu Jul 31, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

I just went thru a trade in process. I had a 2004 Toyota Sienna, 184k miles. - went to CarMax: $4,000 - so this is our floor - went to Autotrader.com - they have a trade in program with your local dealers. Enter your car info, and a certificate with an amount that dealers will pay will be displayed...
by htdrag11
Thu Jul 31, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

Yes. One dealer offered "instant" trade-in offer. Let's see.

Thanks.
by htdrag11
Wed Jul 30, 2014 10:21 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

Yes, CPO does not meant accident free. There is one major Lexus dealer here with 2 locations only 20 miles apart. The one closer to me is in the high end district, so commands a higher list price. The nearest Carmax is about 66 miles from where I'm but only 10 miles from my favorite MIL. :twisted: H...
by htdrag11
Wed Jul 30, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

I probably misread the option; it was park assist, not auto parking.

My cheap Mazda does have a rear camera.
by htdrag11
Wed Jul 30, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

There is a car with a remote starter, cost a bit more. Another one with the crummy navigation package and auto-parking feature which is good for my wife, but I do not need it (used to live in NYC). My Mazda has the touring package which was fine for me in 2013 but no leather/heated seat; power liftg...
by htdrag11
Wed Jul 30, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

Everyone thought that I'm a scrooge, sort of the the Abnegation people in Divergent by Veronica Roth. I also told my wife what our budget and our portfolio are, so we need to spend our child's inheritance. As I said earlier, our expenses are below our income so we're OK with the expenditure. Her sho...
by htdrag11
Wed Jul 30, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

The auto-lift tailgate is nice. You press a button and the tailgate lifts up. Buttons are available on the key fob or on the tailgate itself. Since the Lexus uses proximity of the key fob, one doesn't even need to reach into your pocket: Simply grab the locked door and it unlocks for you. I bought ...
by htdrag11
Wed Jul 30, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

This is our 4th Mazda and it has NO recall!!! I did notice that the ride has gotten worse around 25k but the tires look OK. It was not my plan to trade the car that soon either. On a brighter note, our portfolio has gone up very nicely, unless there is a 10% correction. Regardless, our expenses are ...
by htdrag11
Wed Jul 30, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in work?

That is a cheaper alternative for the bun warmer but the tailgate is heavy for her, especially with groceries. I'll find out what is my "pain" threshold when I start seriously looking on Thursday, last day of the month. Winter is still several months away and money is not burning a hole in...
by htdrag11
Wed Jul 30, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

Abe, convenience always has a price.

As for trading a Honda in a Honda dealership vs. Toyota, it's my guess that the former would yield a better deal, but you could guess from all previous posts, YMMV depending on how eager you're or the dealer.
by htdrag11
Tue Jul 29, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

The last car I sold for close to $10k, I got a teller's check for the transaction.

Try to "trade" my car to my Mazda dealer is not a bad idea to get a floor either.
by htdrag11
Tue Jul 29, 2014 4:44 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

Here is my strategy. Post the car on craigslist with lots and lots of pictures. Price it at above market value. Allow yourself to be haggled down. It's amazing the number of people out there who don't do the basic research regarding the market price of a used car. And everyone on Craigslist loves t...
by htdrag11
Tue Jul 29, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

A dealer will not give you more than wholesale if you trade-in. It could be less but not more. They try to determine what's important to you. If you want more for your trade-in than wholesale, they may give you more and make up the difference in the price of the car you are buying. They are good at...
by htdrag11
Tue Jul 29, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

Trade in prices can vary considerably. The last time I traded in a car, I traded in a Toyota. The Toyota dealer gave me a much better price than the Honda dealer. It all depends on how much they like your car. My car was an older one in nice shape. The Toyota dealer could put it on his lot. The Hon...
by htdrag11
Tue Jul 29, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

Generally the dealer gives you wholesale value for your trade in and if he thinks he can sell in a short amount time without putting much into it, he may sell it as a used car. If not, it goes to the local wholesale auction. Note that in most states, you get a credit for the trade value against sal...
by htdrag11
Tue Jul 29, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: How does car trade-in works?

There is no Carmax in NJ; closest is 65 miles away in PA.

Yep, that is why I do not like trade-in, getting screwed in a 2-year old car. The only good thing is that the one I'm looking for is 3 years old.
by htdrag11
Tue Jul 29, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

How does car trade-in work?

Normally wife does not want to upgrade car but this was a tough winter and she wanted heated seats. Getting more mature, she did not want to bother with the manual tailgate either. So we'll be trading in our 2013 Mazda CX-5 with 30k miles on it, though in the past I like to sell it on my own. Anyway...
by htdrag11
Tue Jul 29, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: How does car trade-in work?
Replies: 55
Views: 2861

Re: Moving IRA from TD to Vanguard

Can't take the credit; it was livesoft.
by htdrag11
Mon Jul 21, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

Crow,

Sorry that I misspoke.

livesoft offered the correct understanding; until I unload all my bonds, they would not be counted toward Vanguard managed assets. So, in this case, a 100% liquidation toward a Vanguard transfer or just stay w/ TD but managed my future Vanguard funds
by htdrag11
Mon Jul 21, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

Flagship is for like-services. Vanguard separates brokerage account from mutual funds account when they aggregate, something that I was not aware off. :(
by htdrag11
Mon Jul 21, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

Ahem!

I was thinking of consolidating my funds into Vanguard to take advantage of the Flagship services. Thanks for pointing out the commission free in buying (more than trading) Vanguard funds in TD, yet another fork in the road.
by htdrag11
Mon Jul 21, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

If I transfer and liquidate all to a mutual funds account, including corporate bond funds, then I would qualify for a flagship member. If I transfer in kind, then I need to roll over to a brokerage account and sell the stocks and bonds individually. The only remaining question is whether there would...
by htdrag11
Mon Jul 21, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

That works for me. :D
by htdrag11
Sun Jul 20, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: Moving IRA from TD to Vanguard

livesoft, Thank you for your insight. I currently only have a mutual fund account, so I need to set up a new one in Vanguard. As for to transfer in-kind vs. cashing them all out, which is better in terms of transaction cost, Vanguard vs. TD? The other is about missing out on the market which should ...
by htdrag11
Sat Jul 19, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Moving IRA from TD to Vanguard

Come September, I'll be "retiring" again but this time is for real. Lost interest in work and paying way too much taxes. Here is my situation with this particular account: The money is actually invested in one of the financial companies who work with TD, charging me 0.75% of my entire port...
by htdrag11
Sat Jul 19, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from TD to Vanguard
Replies: 15
Views: 1008

Re: "Only a fraction of Americans directly own stocks"

I watch CBS for sports, not for propaganda from the Main Stream Media. In general, tv as a medium has its peak. No wonder so many people are cutting the cord. It's not worth paying for. Wife still wants to watch her soap though; we only keep the basic channels since the demise of aereo. Maybe people...
by htdrag11
Sat Jul 05, 2014 8:04 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3332

Re: Time to buy a tv or wait 2 years?

I'm frugal in many things but not TV/projectors. Gave away my 2009 Panny 42" 720p plasma and upgraded to a 2013 Panny 50" 1080p. My wife said why since it's her TV in the family room. I said that it's cost less than the old (under $900 vs. $1,300 for the 42"). I do frequent avsforum w...
by htdrag11
Sat Jul 05, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Time to buy a tv or wait 2 years?
Replies: 66
Views: 5781

Re: What to do with old Macbook Pro?

+1 but eBay is much faster.
by htdrag11
Fri Jul 04, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1798

Re: NJ Homeowners Insurance: Any advice?

1st off, try to buy all your insurance from the same company, such as auto, home and umbrella. 2nd, your credit score matters. 3rd, I've NJ Manufacturers since my company selects them. Check if that applies to you. 4th, try Amica if you qualify. In the past, I've All State, Liberty Mutual and Geico,...
by htdrag11
Wed Jul 02, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: NJ Homeowners Insurance: Any advice?
Replies: 9
Views: 666

Jim Cramer likes index funds — Who knew?

In case you missed - Jim Cramer likes index funds — Who knew?

http://www.marketwatch.com/story/jim-cr ... beforebell
by htdrag11
Thu Jun 26, 2014 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Jim Cramer likes index funds — Who knew?
Replies: 3
Views: 868

Re: Financial Literacy Quiz by FINRA

The national average is 2.88.

Does this qualify me to be a CFP? I do not need the money but it's my kind of fun.
by htdrag11
Tue Jun 24, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Financial Literacy Quiz by FINRA
Replies: 18
Views: 1024

Re: Cost of car compared to Gross Income

The last care I bought in 2012 was about 25% of our income; the next one might blow the "budget", something like a Tesla would be about 80%; that is a luxury of able to retire, early. I do not think this metric holds much water but it's a fun exercise. We all know that car is usually the b...
by htdrag11
Tue Jun 24, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4606

Re: Bloomberg article on 401(k) rollover scam

Self-regulation never worked. When I retired in 1998 and signed up with a mutual fund (MFS) "advisor", though there was no up-front fee for me, but the back-end load had cost me about 10% when I eventually liquidated. Considered myself very lucky. My first and prior CFS had retired and mad...
by htdrag11
Tue Jun 17, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bloomberg article on 401(k) rollover scam
Replies: 10
Views: 1282

Re: Nice IBD article on Jack Bogle

Let data speak for itself: "Investors have withdrawn $500 billion from actively managed funds (including ETFs) and put $600 billion into index funds over the past five years," Bogle told IBD. "That's a trillion-dollar shift. It's astonishing, and it's not going to stop." Thank yo...
by htdrag11
Thu Jun 12, 2014 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Nice IBD article on Jack Bogle
Replies: 3
Views: 424

Re: Bernstein's Four Pillars of Investing for $1.99 on June

Thanks. I can live w/o it. Already read the paper version about 3 years ago but just playing with my Nexus 7 w/ Kitkat.
by htdrag11
Fri Jun 06, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4661

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I've it loaded to my android but don't see an option for audio.

Does anyone know how? Thanks.
by htdrag11
Fri Jun 06, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4661

Re: TSP and Vanguard Retirement Investment Advice

I'm managing our child's (29) portfolio who also lives in DC and has a TSP, but is way more aggressive with only 10% in G among TSP, 401k and Roth IRA. The savings rate is lower, about 15% overall of the paycheck in case of buying a condo.
by htdrag11
Thu Jun 05, 2014 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard Retirement Investment Advice
Replies: 23
Views: 2796

Re: Assistance in Whole Life Insurance Policy

WL is not an investment, just a force savings program with death benefit at a rather steep cost; same goes with Bank-on-yourself WL or Modified Endowment Contract (MEC). If you do not have life insurance (group life) from work, all you need is a 3-year level term (google it) and invest the differenc...
by htdrag11
Fri May 30, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Assistance in Whole Life Insurance Policy
Replies: 22
Views: 973

Re: Bernstein's Four Pillars of Investing for $1.99 on June

I guess my budget would allow for that. Maybe it would be my birthday gift!
by htdrag11
Fri May 30, 2014 8:35 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein's Four Pillars of Investing for $1.99 on June 4th!
Replies: 88
Views: 4661

Even C. Schwab is getting religious

In case you missed this:

How Charles Schwab got religion on retirement indexing

http://www.marketwatch.com/story/how-ch ... 2014-05-29
by htdrag11
Thu May 29, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Even C. Schwab is getting religious
Replies: 3
Views: 1323

Re: TV show recommendations?

Game of Thrones - gore, sex and politics, what more can I guy want?
Sherlock - only 3 seasons and 9 episodes, each about 100 minutes long
True Detective - 8 episodes, very dark
Twin Peaks - Lynch's strange series
Shogun - just released in Blue-ray
by htdrag11
Thu May 29, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119850

Re: eBay Hit with Security Breach, Change Password!

In addition, PayPal will ask for either your bank or credit card number for confirmation.
by htdrag11
Thu May 22, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1525

Re: Seeking Constructive Advice on Whole Life for High Incom

Wow! I'm sure he is very successful in understanding his clients' egos.
by htdrag11
Sat May 17, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Constructive Advice on Whole Life for High Income Ea
Replies: 25
Views: 1631

Re: Term life vs Whole life

In general, WL or cash value insurance is sold while term is bought! There is very little incentive for agents to sell term due to the low commission and low premium. Another way to push WL to older people is the use of estate tax as a selling tool, offsetting by the death benefit. There is no free ...
by htdrag11
Fri May 09, 2014 11:29 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2534

Re: Term life vs Whole life

I dropped my 20-year level term when I was 60; my wife will end at 62.

Personally we do not see the need for further life insurance due to our current financial situation but YMMV. Got to pay taxes to Uncle Sam eventually rather than using insurance proceed to pay that off.
by htdrag11
Thu May 08, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2534

Re: Subaru vs Mazda

Like the other CX-5 owner, bought mine in May 2012 and put in 26k trouble free miles, our 4th Mazda. Other than the smaller engine of choice in 2013 (2.0 vs. 2.5 for the 2014), it has the same storage capacity of the BMW X5. Tires could be better but the noise level is about the same as the Bimmer. ...
by htdrag11
Wed May 07, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Subaru vs Mazda
Replies: 17
Views: 2515

Re: What Book Are You Currently Reading? Part V

Decoded by Mai Jia; it's translated to English and is about espionage, cryptology, mathematics and over a few generations detailing pre-and post-communism. I was amazed that it also covered the dark age of the Cultural revolution and the Red Guards era. However, I was not sure about the epilogue or ...
by htdrag11
Sun May 04, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3116
Views: 1012236

Re: "Feeling Cool About A Hot Personal Finance Book"

Forgot to mention one valid point; she did favor whole life (WL) over universal. There is no argument there.
by htdrag11
Fri May 02, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: "Feeling Cool About A Hot Personal Finance Book"
Replies: 9
Views: 1127
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