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Re: New car and how to handle my father's trade in

Okay so this method of emailing dealerships is actually becoming a pain although I still believe it will yield the best result.... After contacting the three lowest dealerships ($26,165 to $27,100) it appears they are trying to pull one over on me by trying to trick me into visiting them. What is h...
by jda
Mon Oct 06, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: New car and how to handle my father's trade in
Replies: 25
Views: 1786

Re: The Great Bond prediction Bust of 2014

2014 is not even half way over but it's always fun to be Monday morning quarterback. :sharebeer
by jda
Thu May 15, 2014 2:45 am
 
Forum: Investing - Help with Personal Investments
Topic: The Great Bond prediction Bust of 2014
Replies: 12
Views: 1687

Re: Canadian citizen in the US - RRSP discussion

I have done #1 last year and the tax wasn't that difficult. On the Canadian side, as you've mentioned, you'll get taxed at 25% non-resident rate (I didn't report anything as the deduction was done automatically and as far as CRA is concerned I am a non-resident). On the US side you can use the tax p...
by jda
Sun May 11, 2014 4:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Canadian citizen in the US - RRSP discussion
Replies: 16
Views: 1300

Re: New Car. Finance?

I would finance it. Even if you open a money market account at Penfed, you can get 1.5% for 5 years.
by jda
Sun May 04, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Car. Finance?
Replies: 9
Views: 648

Re: ESPP Shares - What to do?

I am an imperfect Boglehead. Part of my investment philosophy is to minimize taxes by buying and holding until retirement (the only exception being when I bought and eventually paid off my house by selling ESPP). Once I retire my tax rate will be lower thanks to lower income and (possibly) relocati...
by jda
Sat Apr 19, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1507

Re: ESPP Shares - What to do?

Would you buy your company's share if there were no discount was given? If the answer is no then why would you want to hold it for long term cap gain (if there is even one)? If the answer is yes then you may want to consider hold it. The bottom line is don't let the tax tail wag the investment dog.
by jda
Fri Apr 18, 2014 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1507

Re: Upcoming European Vacation - Currency Exchange Questions

Just came back from London and Paris a couple of weeks ago and we used Chase Sapphire Preferred Visa for most of the purchases and Ally bank debit card for cash at ATM. Ally supposedly can charge up to 1% of transaction fees but I didn't get charged for anything when I used it once in London and onc...
by jda
Thu Mar 27, 2014 3:48 pm
 
Forum: Personal Consumer Issues
Topic: Upcoming European Vacation - Currency Exchange Questions
Replies: 27
Views: 1505

Re: Kid on the way... Can wife stay at home?

Just want to point out a few things, if your house is worth 410k why don't you get it reappraise to get rid of the PMI? Also, if your wife isn't working your take home should be higher because the tax will be less. Personally, I think you can swing it but your budget will be tight. You are the only ...
by jda
Mon Feb 24, 2014 3:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Kid on the way... Can wife stay at home?
Replies: 34
Views: 2635

Re: Leased a new car -- now what?

Also, proof of insurance can be shown with a smart phone.
So if your insurance company has an app that shows your insurance card, you wont even need to have it print it out.
by jda
Thu Feb 13, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leased a new car -- now what?
Replies: 20
Views: 2681

Re: $25K Budget for a Fun Car

Used lotus

http://losangeles.craigslist.org/sfv/ct ... 25394.html
http://losangeles.craigslist.org/lgb/ct ... 74131.html

great handling and rare. HP is not up there but it's super light.
Look is subjective though....
by jda
Fri Feb 07, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 50
Views: 4587

Re: What interest rate did you get on your car loan?

Professor Emeritus wrote:
jda wrote: the lender was giving out car loans at lower rate than their own CD.
.


They make it up on volume?


I really have no idea, all I can say is Penfed has some great products such as their 5/5 ARM
by jda
Thu Feb 06, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: What interest rate did you get on your car loan?

To me it was a simple decision, free cash is free cash, if someone is paying me to borrow money how can I say no? :sharebeer it''s not free . to get the credit you have to buy the asset at an inflated price. Jewelers have done this for decades. To the dealer I bought from, I was paying cash because...
by jda
Thu Feb 06, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: What interest rate did you get on your car loan?

To me it was a simple decision, free cash is free cash, if someone is paying me to borrow money how can I say no? :sharebeer it''s not free . to get the credit you have to buy the asset at an inflated price. Jewelers have done this for decades. To the dealer I bought from, I was paying cash because...
by jda
Thu Feb 06, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: What interest rate did you get on your car loan?

Where would I invest the money in the sinking fund and what interest rate could I get for it? If I can't get > 3% guaranteed for it, then a sinking fund doesn't make sense for my situation. I could set aside $25k for my sinking fund and make say 1% on it. In 5 years, that will grow to $26,275 (even...
by jda
Thu Feb 06, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: What interest rate did you get on your car loan?

Ron wrote:What's a car loan :mrgreen: ?

If I can't buy it for cash, I don't buy it...

If you need to get a car loan, you're buying beyond your means, IMHO.

- Ron


5 year car loan @ 1.49%
5 year CD @ 3.04%

Both from Penfed.
by jda
Tue Feb 04, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: What interest rate did you get on your car loan?

1.49% 5 years from PenFed a year ago.
by jda
Sun Feb 02, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: What interest rate did you get on your car loan?
Replies: 71
Views: 4371

Re: Cost Analysis: Living in CA vs the South

I live in inland San Diego and I think $2500 is plenty for rent. A nice 2 bedroom 1000 sq ft condo inland (near I15) runs about $1500-1600. You can definitely find a nice condo near the coast for below $2500. Our utility bill is averaging about $50/month for a 1 bedroom 700 sq ft which includes gas ...
by jda
Thu Jan 30, 2014 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost Analysis: Living in CA vs the South
Replies: 79
Views: 5996

Re: Cat teeth cleaning cost in San Diego

Granted I am in a much lower cost-of-living area in California than San Diego and I have a fabulous vet who does not try to nickel and dime his clients, but $550 still seems excessive to me. I had an elderly cat that was having issues eating a couple of years ago. She ended up needing to have multi...
by jda
Sat Jan 18, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Re: Cat teeth cleaning cost in San Diego

Thanks again for all the helpful comments. We went to get a second opinion today and the vet didn't think the gum is that bad that it would affect cat's appetite so we decided to go with more diagnostic test which included blood work ($195) and urine test ($50) instead. Hopefully, we'll figure out w...
by jda
Sat Jan 18, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Re: Cat teeth cleaning cost in San Diego

RM, thank you very much for taking the time to reply to my post, as a nervous new pet owner, I really appreciate it. I have been to this clinic twice and it seems like they keep the place pretty clean. However, I have only been to the check in area and the exam room, so I have no idea how clean the ...
by jda
Fri Jan 17, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Re: Cat teeth cleaning cost in San Diego

I'm surprised at these problems at such a young age. Do you use dry food? We feed him dry food (Orijen and Evo) but we adopted him about 6 months ago and at the time his gum was already showing redness. He was also underweight at the time which leads us to believe his previous owner didn't take goo...
by jda
Fri Jan 17, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Re: Cat teeth cleaning cost in San Diego

We always talked to nearby pet owners to ask who they used for pet teeth cleaning. I suppose it is much easier for dog owners to meet other dog owners while walking their dogs. I have been wanting to walk my cat but the idea got repeatedly shot down by the wife :P . have you tried brushing the cat'...
by jda
Fri Jan 17, 2014 5:56 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Cat teeth cleaning cost in San Diego

Hi guys, my cat is only 2 year old but his gum is pretty red and has gingivitis according to the vet. The cat has loss appetite lately and has left a lot of broken food pieces around his food bowl which lead us think that his teeth might be bothering him. We got the following quote and I just want t...
by jda
Fri Jan 17, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning cost in San Diego
Replies: 30
Views: 1709

Re: US Dollar Increasing

Fed is going to print less money through QE by purchasing 75 billion worth of treasury instead of 85 billion hence the increase value of US dollar.
by jda
Fri Jan 10, 2014 2:00 am
 
Forum: Investing - Theory, News & General
Topic: US Dollar Increasing
Replies: 14
Views: 1637

Re: Need advice about my Incentive Stock Options (ISOs)

I work for a startup company and have been issued private stock options (Incentive Stock Options) as part of my compensation. They vest over a period of 4 years, which I think is pretty standard. I've worked at this company for a couple of years, so my options are partially vested. I plan to stay w...
by jda
Sun Jan 05, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice about my Incentive Stock Options (ISOs)
Replies: 6
Views: 669

Re: 2013: a bad year for BONDs

bad title, it should be 2013 a bad year for BONDs.

No point cherry picking an active management bond fund when corresponding passive bond funds did just as bad.
by jda
Sat Jan 04, 2014 3:43 am
 
Forum: Investing - Theory, News & General
Topic: 2013: a bad year for pimco
Replies: 26
Views: 3297

Re: Bitcoins as investment

The value of a Bitcoin has nearly tripled since I started this thread. http://www.cryptocoincharts.info/period-charts.php?period=alltime&resolution=day&pair=btc-usd&market=btc-e Make that quadrupled. Quintupled. Septupled. (Sorry I missed the sextupling.) Octupled and nontupled. Nice, s...
by jda
Wed Nov 27, 2013 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 210
Views: 14253

Re: Bitcoins as investment

boglerocks wrote:
The value of a Bitcoin has nearly tripled since I started this thread.

http://www.cryptocoincharts.info/period ... rket=btc-e


Make that quadrupled.


So have you made any purchase since your first post?
by jda
Thu Nov 14, 2013 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 210
Views: 14253

Re: 401k loan or balance transfer

I don't get the thought process here at all. Say you are paying $200 a month on your credit card debt. If you take out a 401(k) loan, you will have to pay probably more per month to service the 401(k) loan. It almost reads like you think the 401(k) loan has no payments. Surprise: A payment is taken...
by jda
Tue Nov 12, 2013 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k loan or balance transfer
Replies: 5
Views: 395

Re: Mini Cooper or Fiat 500?

Both Mini And GTI are having new models coming out next year so you might want to wait a bit. If you are Ok with mk6 gti you can get them from Hayward vw in the bay area for 5k off Msrp which means a 2 door base gti starts off at just 20k http://www.vwhayward.com/VehicleSearchResults?offer=27772990&...
by jda
Mon Nov 11, 2013 3:15 am
 
Forum: Personal Consumer Issues
Topic: Mini Cooper or Fiat 500?
Replies: 49
Views: 4343

Re: FSA by itself?

Yes you can.

My wife has done it for the last couple of years.
by jda
Wed Nov 06, 2013 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA by itself?
Replies: 2
Views: 289

Re: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered

Also remember that not all investment income is taxed the same. Interest from bonds and withdrawals from retirement accounts are both taxed at ordinary income rates, so a bond is always more tax efficient in a retirement account than not. Dividends and capital gains from stocks in a taxable account...
by jda
Wed Sep 11, 2013 2:25 am
 
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 2114

Re: new job 3.5 hours away

I'm still trying to figure out if they know you are looking at this as a temporary job. I am not looking at it as a temporary job. I just don't want to sell my home. My plan as I wrote above was to work there during the week and go home on weekends. I used to work with a guy who has a house in San ...
by jda
Tue Aug 20, 2013 1:06 am
 
Forum: Personal Finance (Not Investing)
Topic: new job 3.5 hours away
Replies: 21
Views: 2221

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

- Just a guess but I am assuming I would prefer to have a "cooler" car from the ages of 24-33 instead of 33-42 or 42-51. I am hoping my next car after this one with be a "family" car not a "cool"/"fun" car. Not so fast young buck, did I really just type that....
by jda
Mon Jul 15, 2013 4:51 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: 5328

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

First of all you shouldn't be asking car questions here unless you are getting either a Toyota or a Honda or maybe a hybrid but has to be front wheel drive only. Most of the people here treat cars as appliances and value them as such. If you truly gets joy out of driving a nicer car, I don't think a...
by jda
Sun Jul 14, 2013 3:35 am
 
Forum: Personal Finance (Not Investing)
Topic: how bad would it hurt to spend an extra 10k on a car (24 yo)
Replies: 93
Views: 5328

Re: finance vs cash for car; TLH vs LTCG ?

Penfed's rate is only 1.74% for up to 72 months. I would finance it unless you think the interest rate is going to stay status quo or going up for the next 5 years.

https://www.penfed.org/New-Auto-Loan/?i ... WT.ac=1012
by jda
Wed Jul 03, 2013 2:51 pm
 
Forum: Personal Consumer Issues
Topic: finance vs cash for car; TLH vs LTCG ?
Replies: 21
Views: 1374

Re: "Stocks on sale", "reversion to the mean", etc.

Hedge fund companies are evaluate on a quarter to quarter basis.

As as individual investor, I have 20 year to wait but hedge fund companies don't.
by jda
Mon Jul 01, 2013 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: "Stocks on sale", "reversion to the mean", etc.
Replies: 22
Views: 2237

Re: TaxACT preregistration, $13.95, thru 6/30/13

Wait till after new year and it'll drop to $11.95. It has happened every year like a clockwork for the last 3 years.
by jda
Mon Jul 01, 2013 5:14 pm
 
Forum: Personal Consumer Issues
Topic: TaxACT preregistration, $13.95, thru 6/30/13
Replies: 18
Views: 1078

Re: Premium Products That Are Worth It To You

Expensive cars
by jda
Wed Jun 19, 2013 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Premium Products That Are Worth It To You
Replies: 361
Views: 40128

Re: Why buy expensive cars

I'm glad I read this thread. I'm in the market for a new car and love cars. I've found myself window shopping a lot over the last year. I was apprehensive regarding buying a luxury car because I want to stick to boglehead principles. As a result, I've continued to drive my 2005 Jeep Wrangler with 3...
by jda
Tue Jun 11, 2013 6:05 pm
 
Forum: Personal Consumer Issues
Topic: Why buy expensive cars
Replies: 271
Views: 26210

Re: for those interested in dividend strategies

I'm constantly amazed at how often someone will tell me about "dividend paying stocks" as the market-beating investment, especially when they follow it up by giving a deterministic strategy for selecting the right stocks. If someone somehow finds a way to consistently beat the market, it ...
by jda
Sat May 25, 2013 2:20 am
 
Forum: Investing - Theory, News & General
Topic: for those interested in dividend strategies
Replies: 53
Views: 6918

Re: Bidding on Ebay; Ignorance on best Bidding strategy

Fun little thought exercise: short of keeping the auction secret until the end, which would change ebay fundamentally, what else could they do to ward off sniping? Here's my proposal: keep the exact auction ending time secret, say within an hour (or maybe 10%) of what the buyer chose, and only give...
by jda
Mon May 13, 2013 5:04 am
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 4857

Re: Bidding on Ebay; Ignorance on best Bidding strategy

I trust this isn't too far off-topic. But in regards to Ebay bidding, I've had some success purchasing discounted gift cards from certain vendors, Corner Bakery and Starbucks would be two. However, can anyone explain to me why people would pay more than face value for gift cards? For instance, here...
by jda
Sun May 12, 2013 11:38 pm
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 4857

Re: Bidding on Ebay; Ignorance on best Bidding strategy

I completely fail to understand what advantage you supposedly gain from waiting until the last few seconds. I just bid the amount I am willing to pay at the time when I see the item... and forget about it until the auction has finished. I have been an active ebay member since 99 here are a few reas...
by jda
Sat May 11, 2013 2:57 am
 
Forum: Personal Consumer Issues
Topic: Bidding on Ebay; Ignorance on best Bidding strategy
Replies: 88
Views: 4857

Re: My personal rate of inflation is ....................

I have no need or desire to track expenses, so I have no idea. Even if I did, I'm not sure what I would do with information like this. Brian If you don't care about planning for future real returns vs. nominal returns, you don't have to. [Snarky comment removed by admin LadyGeek] Or maybe he doesn'...
by jda
Sun May 05, 2013 1:09 am
 
Forum: Personal Finance (Not Investing)
Topic: My personal rate of inflation is ....................
Replies: 36
Views: 2988

Re: Buying Tires at Costco

Costco pricing is "ok" when compare to most of the big chain tire stores. What you get from Costco is a really good warranty if tires fail pre-maturely. They tend to replace faulty tires for free or pro-rated towards new set of tires. However, I have never purchase tires from Costco becaus...
by jda
Sun Apr 21, 2013 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Buying Tires at Costco
Replies: 38
Views: 9707

Re: Had a flat car tire, changed it, what now?

discount tire and I am sure other big chain tire store will gladly patch your flat for free assuming it's not leaking through sidewall which is not repairable.

If your tire needs to be replaced, you might need to repair a pair at a time depending on the wear.
by jda
Sun Apr 14, 2013 1:18 am
 
Forum: Personal Consumer Issues
Topic: Had a flat car tire, changed it, what now?
Replies: 49
Views: 3729

Re: Gold is crashing!

uh....ok...sure
by jda
Sat Apr 13, 2013 2:38 am
 
Forum: Investing - Theory, News & General
Topic: Gold is crashing!
Replies: 15
Views: 1844

Re: Keep Old Car or Buy Newer Used Hybrid

If you want a new, better car go for it but if you are doing it to save money on fuel then don't do it.

The amount you save on gas wont even cover 50% of the depreciation.
by jda
Wed Apr 10, 2013 11:19 pm
 
Forum: Personal Consumer Issues
Topic: Keep Old Car or Buy Newer Used Hybrid
Replies: 28
Views: 1951

Re: Why do investors chase dividend paying strategies

Ketawa, Unfortunately, share buybacks won't get you the magic of compounding. It will deplete your portfolio. (And let me congratulate the CEO of Citibank who recently stated that they wanted to do one billion of buybacks to support their management option programs. No happy talk of benefiting the ...
by jda
Wed Apr 03, 2013 1:39 am
 
Forum: Investing - Theory, News & General
Topic: Why do investors chase dividend paying strategies
Replies: 439
Views: 38160
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