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Re: Should I buy a fun car?

I'm sorry if I put that wrong. I'm putting away 80k each year to get to my goal. Which comes first in my life and I Think the question I need to answer is should I be putting away car money to get there quicker. I'm the only one that can answer that now that I see all these replies.
by snowx800
Fri May 09, 2014 6:41 am
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Re: Should I buy a fun car?

No I'm definitely not after a track toy, I also looked at a new Mustang GT Camaro SS these cars didnt do it for me.
I would most likely buy a Corvette but I need four seats for the whole family. So I feel pretty limited also I'm 6'4 and I don't fit in a lot of those MG, Miata type vehicles.
by snowx800
Thu May 08, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Re: Should I buy a fun car?

Wife won't let me have a motorcycle.
It would save me a bundle.
by snowx800
Wed May 07, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Re: Should I buy a fun car?

I'm looking at a Audi A5 convertible or BMW 650i convertible
Any info would be great.
by snowx800
Wed May 07, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Re: Should I buy a fun car?

Thanks for replies, I do have finances in place now. I was behind and now it's all
Coming together. But I'm very focused now I just making sure I shouldn't
Put more away. To get where I want to be it will take putting away almost $5000
A year. I could take car money and put it toward retirement.
by snowx800
Wed May 07, 2014 8:43 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Should I buy a fun car?

I want to buy a used BMW or Audi convertible. I have been staying the course with everything. I maxing out all my tax deferred accounts and I'm also putting away $5000 in taxable. I make sure I do this every year first. I'm 43my house will be paid off by the time im 51. Everything else is good just ...
by snowx800
Wed May 07, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a fun car?
Replies: 59
Views: 3120

Re: I'm a small business owner, this is what Paychex offered

I have about 20 employees, when I was trying to figure out what to do. the best thing I came up with was a simple IRA plan.
I do it through Vanguard very cheap you just can't put away as much money that's the biggest downfall.
by snowx800
Sat Apr 26, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a small business owner, this is what Paychex offered
Replies: 17
Views: 3676

Re: In Boston what to do?

Took the ferry over to Charlestown - Bunkerhill Monument went to the Warren Tavern for lunch. Then did the USS constitution. Then back to Faneuil Hall. We had a great time thanks For your input Boston is absolutely beautiful
by snowx800
Sat Aug 31, 2013 12:54 pm
 
Forum: Personal Consumer Issues
Topic: In Boston what to do?
Replies: 36
Views: 2750

Re: How do you "rent" movies?

Redbox $1.20 for new releases I used to rent from Blockbuster and pay over $4 dollars per movie
by snowx800
Thu Aug 29, 2013 8:13 am
 
Forum: Personal Consumer Issues
Topic: How do you "rent" movies?
Replies: 87
Views: 5851

Re: In Boston what to do?

Thanks for your replies I do have two teenage kids with me
by snowx800
Wed Aug 28, 2013 3:03 pm
 
Forum: Personal Consumer Issues
Topic: In Boston what to do?
Replies: 36
Views: 2750

In Boston what to do?

Hi 1st day going to aquarium and Faneuil hall

2nd day back downtown, duck ride and
Red Sox game

3rd day any ideas?

Staying just outside Boston
by snowx800
Wed Aug 28, 2013 11:44 am
 
Forum: Personal Consumer Issues
Topic: In Boston what to do?
Replies: 36
Views: 2750

Re: Having a good year what to do with money?

I would buy 30k of I bonds for this year and 30k in January 2014 (10k you, 10k your wife and 10k your trust if you have one (and you should)). Other option would be to buy I bonds for your kids (another option to 529 plan) future education expense. The rest (70%) I would invest in my desired propor...
by snowx800
Mon Jul 29, 2013 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Having a good year what to do with money?
Replies: 9
Views: 1109

Re: Family vacation - need some bogle wisdom

You do not need a visa to visit Canada, only a valid US passport. I am surmising that the OP or someone in his family is not a US citizen. If you like Buffalo wings, visit the Anchor Bar (where they were invented) or Duff's which some BUF residents prefer. Or both and see for yourself. The Canadian...
by snowx800
Mon Jul 29, 2013 9:47 am
 
Forum: Personal Consumer Issues
Topic: Family vacation - need some bogle wisdom
Replies: 18
Views: 1854

Re: Having a good year what to do with money?

i don't think you should make changes to your portfolio without articulable, well thought-out reasons. you might benefit from drawing up an IPS to help keep yourself honest. it's 5% so in the long run it's unlikely to matter, but your behavior is worrisome. remember: bogleheads stay the course! I'm...
by snowx800
Sun Jul 28, 2013 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Having a good year what to do with money?
Replies: 9
Views: 1109

Re: Family vacation - need some bogle wisdom

The best side to see the falls from is the Canadian side but you need a Visa or Enhanced license It is worth seeing. You can even park on the American side and walk across the bridge and gives you great views. a lot to walk around see on the Canadian side. On the American side 15 minutes north of Ni...
by snowx800
Sun Jul 28, 2013 1:53 pm
 
Forum: Personal Consumer Issues
Topic: Family vacation - need some bogle wisdom
Replies: 18
Views: 1854

Re: Having a good year what to do with money?

I was 65-35 and have changed over last year or so let me guess... you were disappointed by the returns in bonds or otherwise bought into the OMG BOND BUBBLE!!! fearmongering, decided stocks are where it's at, and changed your allocation? if so: :oops: if not: why did you change your AA? I was doing...
by snowx800
Sun Jul 28, 2013 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Having a good year what to do with money?
Replies: 9
Views: 1109

Re: Having a good year what to do with money?

Debt--mortgage balance 191k 3.5% 12years left House is worth 425k i would consider directing some of the new money towards paying this off, but there are many factors to consider. search the forums if you're interested in pursuing this, as it is a common question/situation. I'm going to be downsizi...
by snowx800
Sun Jul 28, 2013 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Having a good year what to do with money?
Replies: 9
Views: 1109

Having a good year what to do with money?

Max out both simple IRAs and Roth IRAs and put money in taxable for me and my wife. I'm having a great year at work I just landed the biggest job I have ever had. Life is great I will not need this money all of it will be going in taxable 200k is extra Thanks for your input Emergency funds 5-6 month...
by snowx800
Sun Jul 28, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Having a good year what to do with money?
Replies: 9
Views: 1109

Re: Stacking term life policies

I bought term 500k (me) -250k (wife) 20yr When we were 33. Then at 43 new we needed more so I got a 1mm 20yr on me. My wife has breast cancer couldn't get insurance. She is doing great One thing I would consider is put the same on you both just to take Care of the kids. It would take a lot to replac...
by snowx800
Sun Jul 28, 2013 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Stacking term life policies
Replies: 23
Views: 1629

Re: A/V Receiver for TV - which one?

Sony Yamaha Any of them have their lower line make sure it has 4 to 6 HDMI inputs and you can get those as little as $200-300 hundred dollars. It just makes life so much easier running that way,my wife loves to run our system and the kids use it one touch everything goes to that signal.
by snowx800
Tue Jul 23, 2013 7:40 am
 
Forum: Personal Consumer Issues
Topic: A/V Receiver for TV - which one?
Replies: 8
Views: 719

Re: TIPS. Inflation protected sec inst. What to do

Made it very easy I will just stick to my plan
by snowx800
Fri Jun 14, 2013 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS. Inflation protected sec inst. What to do
Replies: 13
Views: 1459

Re: TIPS. Inflation protected sec inst. What to do

I just wanted to make sure there wasn't anything better
I read where john bogle said to get out of tips?
I'm good with staying the course
by snowx800
Fri Jun 14, 2013 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS. Inflation protected sec inst. What to do
Replies: 13
Views: 1459

TIPS. Inflation protected sec inst. What to do

Tips. VIPIX. They are about 6% of my retirement Money.im reading to get out of them, do I just move it to
TBM. Is there anything else to move the money to.
by snowx800
Fri Jun 14, 2013 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS. Inflation protected sec inst. What to do
Replies: 13
Views: 1459

Re: Your worst financial habit

I occasionally berate myself for never following a budget. I would probably have saved a whole lot of money over the course of my life. Do i lose sleep over this? Nope. I frankly find it a huge PIA. X2 This is my same issue, Living the way I have been is great, Just glad I can keep putting away a l...
by snowx800
Fri Jun 14, 2013 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Your worst financial habit
Replies: 84
Views: 10692

Re: Bonds what to do ?

[quote="Call_Me_Op"]Why do you feel you might need to change

I don't just want toile sure I'm not missing something

I'm 15 years away from retirement I have no problem staying the course
Just making sure as always thanks for everyone's input
by snowx800
Sat Jun 08, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds what to do ?
Replies: 11
Views: 1341

Bonds what to do ?

Hi I have been staying the course is there any thing I should change
My AA is 64-36
Bond side is
30 % TBM total bond market
6% tips

Should I change to anything I have been confused
Thanks for input
by snowx800
Sat Jun 08, 2013 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds what to do ?
Replies: 11
Views: 1341

Re: What to do when a parent's money runs out?

I had the same issue my mom lost the house they were living in. I kept trying to talk to her About what was going on then house Went up for auction. It was very tough times my dad didn't know It even happened. His fault need to pay attention they had to go bankrupt. I came in and bought house from T...
by snowx800
Mon Jun 03, 2013 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15578

Re: Audiophile or not??! How much to spend question

The big question is how much you will use your system. I would look at A top of the line receiver ( marantz sr 7005) comes with everything. Speakers - kef R series B&W cm series subwoofer look at SVS. go listen and see what you like. The next place to look at is the acoustic of the room includin...
by snowx800
Sun May 12, 2013 8:55 am
 
Forum: Personal Consumer Issues
Topic: Audiophile or not??! How much to spend question
Replies: 31
Views: 2376

Re: For those who started late.. how did you save for colleg

I started late when my kid was in 6th grade
Just come up with the amount you can put away
Each year or month. I just keep putting extra in
When I have it. Just get started it will grow
by snowx800
Wed May 08, 2013 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those who started late.. how did you save for college??
Replies: 28
Views: 2654

Re: Checking accounts with money back?

Does anyone use prrkstreet bank?
by snowx800
Mon Apr 29, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking accounts with money back?
Replies: 3
Views: 497

Re: Advice on whirlpool/Jacuzzi tubs

We use it everyday. Go to a showroom and get in and feel
Comfortable. Make sure it has enough jets,make sure they
Are at both ends. The one we bought is a kohler has worked
Perfect for 5 years.
by snowx800
Mon Apr 29, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: Advice on whirlpool/Jacuzzi tubs
Replies: 11
Views: 1120

Re: Getting lower cable rates by threatening to cancel

I have been with directv for 12years I have 6 boxes. 1 is broken the newest is 3 plus years old. I have called them To help with some newer boxes I will sign up for another 2 years. They will not help me out they want to charge Me $600 for new boxes. My wife has tried and same thing. So I have to ca...
by snowx800
Sun Apr 28, 2013 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Getting lower cable rates by threatening to cancel
Replies: 67
Views: 6792

Re: Checking accounts with money back?

Is there any other banks that give 2%
Back
by snowx800
Sat Apr 27, 2013 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking accounts with money back?
Replies: 3
Views: 497

Checking accounts with money back?

Are there any good visa,mc through a bank
Checking account. Like chase sapphire or any
Other good cards. I have one on my checking account
Now and it's a waste of time.
by snowx800
Sat Apr 27, 2013 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Checking accounts with money back?
Replies: 3
Views: 497

Re: Portfolio review after 2 years with vanguard

Now that I see I have enough room as of now to move bonds around in tax deffered. I think I'm going
To keep putting in TSM taxable. That's what I'm going to do with my extra money.
by snowx800
Mon Apr 22, 2013 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after 2 years with vanguard
Replies: 7
Views: 1390

Re: Portfolio review after 2 years with vanguard

It looks like you have set up a great portfolio. Perhaps some might find it a bit on the aggressive side, given your ages, but not unreasonable if you feel you can "stay the course" through a major correction. If your concern is filling up your tax-deferred space with fixed-income, you co...
by snowx800
Mon Apr 22, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after 2 years with vanguard
Replies: 7
Views: 1390

Re: Portfolio review after 2 years with vanguard

ieee488 wrote:Why money market Vmmx in IRAs?

What do you mean you are running out of space to keep AA?


In the simple Ira money goes into mm first then I move it
To a mutual fund.
by snowx800
Mon Apr 22, 2013 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after 2 years with vanguard
Replies: 7
Views: 1390

Portfolio review after 2 years with vanguard

I'm just want to stay on track,I'm focused on saving and being smarter with money. Emergency fund--6 months in savings Debt-- mortgage 15 yr 3.75%. Owe 200k. (house is worth 425k) Own a second home paid for worth 150k Tax filing status - married filling jointly New York Age both 45 2kids Desired AA....
by snowx800
Sun Apr 21, 2013 7:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after 2 years with vanguard
Replies: 7
Views: 1390

Re: Treasury direct I bonds ?

If I set up to buy end of month it looks like I can put in dates 6 months in advance, to buy at the end of the month. Is this the best way. There is no one "best way", just what works best for you. If you prefer to set 6 months of purchases and then just log in twice a year to update that...
by snowx800
Sun Apr 21, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct I bonds ?
Replies: 9
Views: 1395

Re: Treasury direct I bonds ?

If I set up to buy end of month it looks like I can put in dates 6 months in advance, to buy at the end of the month.
Is this the best way.
by snowx800
Sun Apr 21, 2013 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct I bonds ?
Replies: 9
Views: 1395

Re: Treasury direct I bonds ?

No, you don't have to report purchasing them, just interest when you sell. I believe you can buy $10,000 per year per person via TreasuryDirect.gov and an additional $5k/year via IRA tax refund direct purchase. http://www.treasurydirect.gov/indiv/research/articles/res_invest_articles_purchaselimits...
by snowx800
Fri Apr 19, 2013 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct I bonds ?
Replies: 9
Views: 1395

Re: Treasury direct I bonds ?

This is my first time buying them. Do you have to put them on your tax return how much you buy each year?
And the max is $5000.00 per SS number ?
by snowx800
Fri Apr 19, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct I bonds ?
Replies: 9
Views: 1395

Treasury direct I bonds ?

Is it worth buying I bonds monthly $300.00 a month or saving up and buy in when I have 3600.00
Is there any disadvantage to monthly?
I will be holding them for 15-20 years
by snowx800
Fri Apr 19, 2013 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury direct I bonds ?
Replies: 9
Views: 1395

Re: Maxed out simple IRA,Roth IRA, taxable?

My goal is to keep saving. I'm going with no
gold right now.In my taxable account I just
have tsm Total stock market I can keep adding
to that till I have trouble rebalancing then buy
I bonds.
by snowx800
Thu Apr 18, 2013 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out simple IRA,Roth IRA, taxable?
Replies: 6
Views: 793

Re: Maxed out simplei IRA,Roth IRA, taxable?

I'm not sure what I want to do just save more. I believe I would want physical gold. Maybe I should just keep putting in taxable. Gold sounds more interesting.
by snowx800
Wed Apr 17, 2013 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out simple IRA,Roth IRA, taxable?
Replies: 6
Views: 793

Maxed out simple IRA,Roth IRA, taxable?

Maxing out IRA's and putting a sizable amount in taxable. Want to save more I'm looking at Ibonds or buying some gold or do I keep putting in taxable. I'm still doing good with keeping my AA. I want to try gold but I have been trying to stay the course. Thanks for your help
by snowx800
Wed Apr 17, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxed out simple IRA,Roth IRA, taxable?
Replies: 6
Views: 793

Re: Taxable account put in now

I bought tonightjust need to stay the course.
by snowx800
Tue Apr 09, 2013 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account put in now
Replies: 3
Views: 376

Taxable account put in now

I know this is like market timing I put money in my taxable account every couple months. Should I wait I have it sitting in
A checking account, I can wait till closer to end of year. Is it worth a chance with how high everything is all I have in my taxable is. TSM total stock market
by snowx800
Tue Apr 09, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account put in now
Replies: 3
Views: 376

Re: Max tax deferred accounts.

Well I'm glad i asked simple to 12k and Roth is 5500

I have employees so can't change this just seeing if I can gain anything by getting on a job to put away more.
by snowx800
Sat Feb 02, 2013 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max tax deferred accounts.
Replies: 5
Views: 497

Max tax deferred accounts.

I have everything else in place (6mo savings, no debt,) I'm trying to figure out if it's worth doing anything else or just keep building taxable? My business Me max simple $11500 Wife max simple $11500 Me Roth $5000 Wife Roth $5000 Taxable $15000 Each year, is it worth me working for some one else t...
by snowx800
Sat Feb 02, 2013 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max tax deferred accounts.
Replies: 5
Views: 497
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