Search found 542 matches

by 2beachcombers
Sun Aug 28, 2016 7:55 am
Forum: Investing - Theory, News & General
Topic: Retirees Saying No To The Market
Replies: 44
Views: 3790

Re: Retirees Saying No To The Market

I tried for years to get my mother in law to invest in the market. When she went to a nursing home in 2006, she had about 15 laddered CDs. Then 2008, and I was very happy she didn't listen to me :oops:

jerry
by 2beachcombers
Fri Aug 26, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts
Replies: 27
Views: 3137

Re: Vanguard Recommends Stocks in Taxable; Bonds in Tax-advantage accounts

Patrick: One thing nearly all mathematicians ignore when figuring safe withdrawal rates is that cap-gains in taxable accounts are tax-free at death. This is another reason why stocks are usually better suited for taxable accounts. My living expenses (after pension, social security and 2 SPIA annuit...
by 2beachcombers
Wed Aug 24, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my Mother's investments
Replies: 9
Views: 665

Re: Help with my Mother's investments

It might wise to check out a SPIA annuity with only $196500 in funds. 120k will get her about $700 a month. That still leave her with $76k to invest in a very conservative low cost fund or just put it in CDs. Most likely her disability is cola so only 30% of her income is exposed to inflation. She ...
by 2beachcombers
Tue Aug 23, 2016 7:29 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4819

Re: High RMD’s, would you do anything different?

...The result of my evaluation was to liquidate all munis in my taxable account and go to 100% bonds in the IRA... I toyed with that idea, but didn't like the idea of moving my tax-free income to where it eventually would be taxed as ordinary income, or replacing my munis with other types of bonds....
by 2beachcombers
Mon Aug 22, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Jerry, Thanks for doing running the numbers. I remember it was worse for me with state tax of CA when I did the same analysis few months ago. Distributions--------------------------- 264---- 250------ 239----- 266---- 206---- 259 How is this line calculated? Distributions for 1K of money? From tric...
by 2beachcombers
Mon Aug 22, 2016 9:08 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4819

Re: High RMD’s, would you do anything different?

One way to reduce MRDs: My situation is need to reduce MRD to stay in Tax bracket, don't need the income and the taxable account will only take dividends out, with no withdrawals as the taxable account will pass to my heirs or charity. I have a work in progress to evaluate (over the life of an IRA)(...
by 2beachcombers
Sun Aug 21, 2016 4:08 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

triceratop--good find--had a copy error in my spreadsheet. Rechecking the entire sheet. :beer

calc now is 0.144* 222= 37.81 and total cost =0.686. Also edited my post.
by 2beachcombers
Sun Aug 21, 2016 8:32 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Personal Tax Information Federal Marginal Tax Rate-- 0.25 QDI Tax Rate----------------- 0.15 Ga State ------------------------- 0 VEA --IEFA--- FSIVX--- ITOT- FSTVX---- EFV 0.09-- 0.12-- 0.08 --- 0.03--- 0.045---- 0.4-------er 1.07-- 1.55-- 1.02--- 1.87---- 1.154--- 1.82-----Div 0.00-- 0.00-- 0.00-...
by 2beachcombers
Sun Aug 21, 2016 8:09 am
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 146
Views: 8235

Re: Bonds in Taxable

gilgamesh wrote: " Incidentally, I think Kitces uses sloppy terminology, using "brokerage account" as a synonym for tax-free account, and sometimes using "IRA" as a synonym for traditional IRA. I have traditional IRA brokerage accounts, and I have Roth IRAs." Brokerage ...
by 2beachcombers
Sun Aug 21, 2016 7:45 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4819

Re: High RMD’s, would you do anything different?

...Postponing the age you start taking social security can also backfire if it bumps you into higher tax/surcharge brackets... It sounds like you are letting the tail (taxes) wag the dog (available retirement income). I certainly wouldn't discount the increase in SS benefits for you (and potentiall...
by 2beachcombers
Sat Aug 20, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

:oops: David, thanks--this left handed dyslectic apologizes for you have to fix my mistakes, but thankful that you do. :beer will fix my original reply and also one in triceratops cost analysis thread. edit for mistake--and i will go back and check inputs the 3rd time. An important mathematical tec...
by 2beachcombers
Sat Aug 20, 2016 9:23 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4819

Re: High RMD’s, would you do anything different?

An additional factor to consider is higher Medicare premiums as your income exceeds certain thresholds. Since those thresholds are not adjusted for inflation, every year more taxpayers will pay higher premiums. +1 And the 170k income threshold does not get increased by inflation(and 2020 will be mo...
by 2beachcombers
Sat Aug 20, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Personal Tax Information Federal Marginal Tax Rate-- 0.25 QDI Tax Rate----------------- 0.15 Ga State ------------------------- 0 VEA --IEFA--- FSIVX--- ITOT- FSTVX---- EFV 0.09-- 0.12-- 0.08 --- 0.03--- 0.045---- 0.4-------er 1.07-- 1.55-- 1.02--- 1.87---- 1.154--- 1.82-----Div 0.00-- 0.00-- 0.00-...
by 2beachcombers
Sat Aug 20, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

The following is a sample of my cost analysis using ticeratop's method(25% tax bracket 0 state tax) Ticker---------------------------------- VXUS--- IEMG --- FPMAX--- VWO--- scz--- VSS Expense Ratio-------------------------- 0.13--- 0.16 --- 0.14----- 0.15--- 0.4--- 0.17 Dividend Distribution/share...
by 2beachcombers
Sat Aug 20, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Jerry, Whats missing is the QDI ratio. For vxus(international) that is close to 75%+. Emerging markets it is around 50%. IEMG dividend yield seems very low compared to VWO though here are the QDIs for2015: -----------------------------VXUS--- IEMG--- FPMAX--- VWO--- scz--- VSS----- VTI--- VBR--- IJ...
by 2beachcombers
Sat Aug 20, 2016 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Your Roth IRA should hold the least tax-efficient positions in your portfolio. It's fine to split a holding between the IRA and taxable if you run out of room. I would suggest keeping VWO (Emerging Markets) entirely in the IRA if you have room. It has a fairly high dividend yield, and fewer qualifi...
by 2beachcombers
Sat Aug 20, 2016 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

The following is a sample of my cost analysis using ticeratop's method(25% tax bracket 0 state tax) Ticker---------------------------------- VXUS--- IEMG --- FPMAX--- VWO--- scz--- VSS Expense Ratio-------------------------- 0.13--- 0.16 --- 0.14----- 0.15--- 0.4--- 0.17 Dividend Distribution/share...
by 2beachcombers
Sat Aug 20, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4819

Re: High RMD’s, would you do anything different?

OP here. Although I have $1.2M now in tax-deferred at 52, I am hoping that at age 70 even if I put nothing in, it will grow to $2.5M at least. But still, based on the responses, it does not appear to be an issue with high taxes due to RMD's. I will continue to contribute to our tax-deferred account...
by 2beachcombers
Sat Aug 20, 2016 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Your Roth IRA should hold the least tax-efficient positions in your portfolio. It's fine to split a holding between the IRA and taxable if you run out of room. I would suggest keeping VWO (Emerging Markets) entirely in the IRA if you have room. It has a fairly high dividend yield, and fewer qualifi...
by 2beachcombers
Sat Aug 20, 2016 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Jerry, Whats missing is the QDI ratio. For vxus(international) that is close to 75%+. Emerging markets it is around 50%. IEMG dividend yield seems very low compared to VWO though here are the QDIs for2015: -----------------------------VXUS--- IEMG--- FPMAX--- VWO--- scz--- VSS----- VTI--- VBR--- IJ...
by 2beachcombers
Fri Aug 19, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

Your Roth IRA should hold the least tax-efficient positions in your portfolio. It's fine to split a holding between the IRA and taxable if you run out of room. I would suggest keeping VWO (Emerging Markets) entirely in the IRA if you have room. It has a fairly high dividend yield, and fewer qualifi...
by 2beachcombers
Fri Aug 19, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tilter's
Replies: 18
Views: 1168

Re: Tilter's

duplicate--deleted
by 2beachcombers
Sun Aug 14, 2016 5:13 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

:oops: Did someone take the football while I was kicking? triceratop-Am i in the correct thread? :confused

jerry
by 2beachcombers
Sun Aug 14, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Personal Tax Information Federal Marginal Tax Rate-- 0.25 QDI Tax Rate----------------- 0.15 Ga State ------------------------- 0 VEA --IEFA--- FSIVX--- ITOT- FSTVX---- EFV 0.09-- 0.12-- 0.08 --- 0.03--- 0.045---- 0.4-------er 1.07-- 1.55-- 1.02--- 1.87---- 1.154--- 1.82-----Div 0.00-- 0.00-- 0.00--...
by 2beachcombers
Sun Aug 14, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Ticker--------------------------------------VEA----EFA-- FSIVX- ITOT- FSTVX Expense Ratio-----------------------------0.09-- 0.12-- 0.08-- 0.03-- 0.045 Div--------------------=--------------------1.07-- 1.55-- 0.06-- 1.87-- 1.154 FSIVX paid $0.06 per share in April 2016. but $0.97 per share in Dece...
by 2beachcombers
Sun Aug 14, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Ticker--------------------------------------VEA----EFA-- FSIVX- ITOT- FSTVX Expense Ratio-----------------------------0.09-- 0.12-- 0.08-- 0.03-- 0.045 Div--------------------=--------------------1.07-- 1.55-- 0.06-- 1.87-- 1.154 FSIVX paid $0.06 per share in April 2016. but $0.97 per share in Dece...
by 2beachcombers
Sun Aug 14, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Ticker--------------------------------------VEA----EFA-- FSIVX- ITOT- FSTVX Expense Ratio-----------------------------0.09-- 0.12-- 0.08-- 0.03-- 0.045 Div--------------------=--------------------1.07-- 1.55-- 0.06-- 1.87-- 1.154 FSIVX paid $0.06 per share in April 2016. but $0.97 per share in Dece...
by 2beachcombers
Sat Aug 13, 2016 12:05 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 82
Views: 5787

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

Triceratop--great work--thanks. Triceratop and FiDO folks; I have downloaded the google spread sheet and calculated multiple ishares(TLH pairs) and several Fidelity mutual funds. If someone can tell me how to copy/paste my excel spread sheet, I will add to this post or start a new one? (below is a s...
by 2beachcombers
Sun Jul 10, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6643

Re: What is your overall portfolio weighted expense ratio

0.1% Retired w/ 30% munis (VTEB er = 12bp)
by 2beachcombers
Mon Jul 04, 2016 10:08 am
Forum: Investing - Theory, News & General
Topic: Classic Bernstein 12 — The Societal Risk Premium
Replies: 21
Views: 2082

Re: Classic Bernstein 12 — The Societal Risk Premium

I really appreciate all the work you have done putting these together. I have learned a lot from them. I think this particular point has to include Dr Bernstein made (I believe although I really do not want to misquote him especially as he may be reading this) that living in a low risk environment ...
by 2beachcombers
Mon Jul 04, 2016 9:57 am
Forum: Investing - Theory, News & General
Topic: Your Questions for the Experts Panel Q&A @ Bogleheads Conference
Replies: 44
Views: 5561

Re: Your Questions for the Experts Panel Q&A @ Bogleheads Conference

I would like the panels opinions on the book "Makers and Takers" by Rana Fooroohar, and the article in the Time magazine summarizing her book. I found it quite interesting wrt the impact to markets; Main Street Credit Crunch; our slowing economy; IPO numbers decreasing; and specifically wi...
by 2beachcombers
Wed Jun 29, 2016 1:31 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16651

Re: Actionable advice in a Brexit scenario

Was on vacation the last two weeks--Did something happen? My accounts haven't moved :P
by 2beachcombers
Tue Jun 21, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: 3 days in moab in august
Replies: 20
Views: 1997

Re: 3 days in moab in august

I really like the "Island in the Sky" portion of Canyonlands NP, drive out to the end of the plateau and view the expanse of the two canyons (Colorado and Green rivers) as they come together. If you have something with a bit of ground clearance (Prius need not apply), you can drive Shafer...
by 2beachcombers
Sun May 29, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

I might have missed it but one thing that I have not seen mentioned is that is is possible to buy a home with a reverse mortgage so that other than a largish down payment then she would not have any ongoing mortgage payments. There are lots of pros and cons but reverse mortgages were revised about ...
by 2beachcombers
Sun May 29, 2016 7:34 am
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Even though you have an attorney in the family, it may be worth it to spend an hour with an Eldercare Attorney. While $100,000 a year may be enough for nursing facility now, it might not in 10 years. If her spending habits lean towards "the nicer things" as you suggest, nursing care (faci...
by 2beachcombers
Sat May 28, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Potential Sibling negative - Mom stops paying rent, sibling can't cover the mortgage payment and can't (won't) evict Mom That may happen but the siblings can cover the mortgage--actually I would recommend they sell the house and take a great vacation with the proceeds. Thanks Mom for the vacation w...
by 2beachcombers
Sat May 28, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Very much appreciate all the input--a few more thoughts: :sharebeer Please critique our current thoughts on Gifting the down payment. And any ideas to guarantee the rental $$(for example taking the $$ out before Auntie gets it.) Positives: Aunt:(I feel she will think this a good idea and will jump a...
by 2beachcombers
Fri May 27, 2016 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Is the buy/rent arrangement okay with your aunt? Is the daughter doing this just for her? I believe the Aunt will jump at the offering. This way she has the most spending money. I have already documented her situation to her for both rent and buy cases. She has one SPIA and I would add another for ...
by 2beachcombers
Fri May 27, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Pluses and minuses please. I can't think of any long term pluses. Are you and your wife protected from filial support laws in your state? Filial---I am not her child. There are no issues here, we are a very successful adults and will take care of our loved ones. And if push comes to shove, I would ...
by 2beachcombers
Thu May 26, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

If she buys another home, her income will not match her habits of continuous adding projects and shopping. Rentals are problematic as she is in NJ and has 2 dogs which are her prime company. She is spoiled, never budgeted and just gets what she wants. If she is selling a "small farm", the...
by 2beachcombers
Thu May 26, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Is the buy/rent arrangement okay with your aunt? Is the daughter doing this just for her? I believe the Aunt will jump at the offering. This way she has the most spending money. I have already documented her situation to her for both rent and buy cases. She has one SPIA and I would add another for ...
by 2beachcombers
Thu May 26, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

What is the aunt's bias on the farm? If it is very big at all it may not qualify as a primary residence and may not be exempt from long term capital gains taxes (federal and state)? Small farm 500k. We are OK thanks for the heads up jerry Dollar amount is not the only requirement. There have been i...
by 2beachcombers
Thu May 26, 2016 8:47 am
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

mnnice wrote:What is the aunt's bias on the farm? If it is very big at all it may not qualify as a primary residence and may not be exempt from long term capital gains taxes (federal and state)?



Small farm 500k. We are OK
thanks for the heads up
jerry
by 2beachcombers
Thu May 26, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

If she buys another home, her income will not match her habits of continuous adding projects and shopping. Rentals are problematic as she is in NJ and has 2 dogs which are her prime company. She is spoiled, never budgeted and just gets what she wants. If she is selling a "small farm", the...
by 2beachcombers
Wed May 25, 2016 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Stay out of it. Probably the best advice yet. Problem is both sides are begging me to help and are very, very appreciative. For several years now it seems to be working well. They asked me for help, and they know i am a VOLUNTEER--and have told both sides, when they do not take my advice, I am gone...
by 2beachcombers
Wed May 25, 2016 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Pluses and minuses please. I can't think of any long term pluses. Are you and your wife protected from filial support laws in your state? Filial---I am not her child. There are no issues here, we are a very successful adults and will take care of our loved ones. And if push comes to shove, I would ...
by 2beachcombers
Wed May 25, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

Re: 84 Year Old Aunt selling small farm

Is the buy/rent arrangement okay with your aunt? Is the daughter doing this just for her? I believe the Aunt will jump at the offering. This way she has the most spending money. I have already documented her situation to her for both rent and buy cases. She has one SPIA and I would add another for ...
by 2beachcombers
Wed May 25, 2016 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: 84 Year Old Aunt selling small farm
Replies: 26
Views: 2576

84 Year Old Aunt selling small farm

She is in a stiuation where she basically has a choice of renting a place or buying a smaller home. If she buys another home, her income will not match her habits of continuous adding projects and shopping. Rentals are problematic as she is in NJ and has 2 dogs which are her prime company. She is sp...
by 2beachcombers
Tue May 17, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA choice of beneficiary - always first to one's spouse?
Replies: 16
Views: 1555

Re: Roth IRA choice of beneficiary - always first to one's spouse?

A good article for your question:
https://www.fidelity.com/insights/retir ... a-windfall

and is my plan: Roll over my Roth to her Roth. She allocates 80% to children, 20% to grandchildren.

jerry :happy
by 2beachcombers
Sat Apr 30, 2016 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Want a new vehicle, but can't "justify" spending?
Replies: 36
Views: 4160

Re: Want a new vehicle, but can't "justify" spending?

I would give away the car to your niece, nephew, neighbor or whoever. They probably would appreciate it, and you can then buy yourself a new vehicle without all the associated guilt of a rich cheapskate :moneybag +1--I just gave my son the wifes car and bought her a new one--love the new safety fea...

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