Search found 351 matches

by Goal33
Wed Jun 28, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: Making the jump from Edward Jones
Replies: 26
Views: 1649

Re: Making the jump from Edward Jones

You're lucky that you have the money in tax advantaged accounts. I've seen threads here where people had these horrible funds in brokerage accounts and would face major tax bills to sell.
by Goal33
Tue Jun 27, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Potential First-time Home Buyers in Seattle-area, Analysis Paralysis
Replies: 3
Views: 420

Re: Potential First-time Home Buyers in Seattle-area, Analysis Paralysis

You can afford it. Will be tight on the 172k, will be easy on 250k or higher.

Tax deductions will play a big role either way.
by Goal33
Tue Jun 27, 2017 2:50 am
Forum: Personal Finance (Not Investing)
Topic: 47 Single - Never Married - No kids - Diabetes - Retirement
Replies: 9
Views: 1354

Re: 47 Single - Never Married - No kids - Diabetes - Retirement

I'm not a doctor, but i think you can manage your health issues long enough to life a full life. I'd max the 401k, see about paying off the two loans not associated to a property, and revisit here after that is complete to evaluate your options for an early retirement.
by Goal33
Tue Jun 27, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2111

Re: Losing job, seeking advice

Make a round and thank everyone - even the most junior person or the janitorial staff. ^^ Have to agree with this. I was the most junior person at a lot of places where I served as an intern. The senior staff that took me under their wings during that time ultimately ended up being people I wanted ...
by Goal33
Tue Jun 27, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Losing job, seeking advice
Replies: 16
Views: 2111

Re: Losing job, seeking advice

Yes, I'd stuff that 401k if it was me. Worst case, next year, still no job = low tax bracket. Low tax bracket, even with penalty could be the same or cheaper as taking the money now. At least the 401k was tax upside if it all works out. Sorry to hear about it and hopefully you can find a way to mana...
by Goal33
Tue Jun 27, 2017 2:17 am
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 2031

Re: Realtor fee negotiations

I'm looking forward to the replies. I tried negotiating with a few realtors and was about laughed out of the offices. I ultimately got a few hundred bucks of fees waived. I knew what house I wanted and only needed an offer written. I got laughed at too by a few realtors and told about all the overh...
by Goal33
Mon Jun 26, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: What to do with misdirected package?
Replies: 32
Views: 1557

Re: What to do with misdirected package?

Kind of confused about the posts telling him to return it to the post office? They have correctly sent it to the right person with the right address. They aren't going to be able to pin point the rightful owner of the package. If OP feels like going through the trouble, it is best to look through th...
by Goal33
Mon Jun 26, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 37
Views: 2612

Re: Won an ATV in a raffle...now what?

1) Craigslist - List it in the town were the ATV is located. If it is a small town, also list it in surrounding cities. - Explain the situation in your posting (brand new model, won in raffle, no need for it so selling). - Provide a day for when the purchase/transfer will take place (I would requir...
by Goal33
Mon Jun 26, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: I need a strategy to address debt and savings
Replies: 32
Views: 2579

Re: I need a strategy to address debt and savings

I'd keep the gym if you use it.

I'd focus on the credit cards. If credit permits, I'd do a balance transfer to get 0% interest on them.

I'd see if I could grow my career. If you can grow that 53k to 70-90k you'll have it a lot easier.
by Goal33
Mon Jun 26, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Won an ATV in a raffle...now what?
Replies: 37
Views: 2612

Re: Won an ATV in a raffle...now what?

I know this kinda sucks, but I'd refuse the prize if you are in a high tax bracket. If it's going to cost you 50% of the value in taxes, and you're going to discount it several thousand. I'm not sure how much you'd even make and then you'd end up with the hassle of selling it. Have a friend who won ...
by Goal33
Sat Jun 24, 2017 12:01 pm
Forum: Personal Consumer Issues
Topic: Bay Area housing
Replies: 69
Views: 5022

Re: Bay Area housing

This would be the typical sad bay area housing story except you are already benefiting from the appreciation...

Unless you guys are blowing the savings of having a cheaper place, I don't see how you did anything wrong.
by Goal33
Sat Jun 24, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Old stock certificates
Replies: 4
Views: 457

Re: Old stock certificates

According to some inflation calculator I just found on Google: $600.00 in 1920 had the same buying power as $7,664.51 in 2017 Please post back when you figure out if those stocks have any value. It just seemed like tracking down all of this information was going to be more a) than I knew how to do,...
by Goal33
Fri Jun 23, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Scenario
Replies: 7
Views: 673

Re: Auto Insurance Scenario

5. This is potentially murky. Your insurance may not like that she has her parents car available to her on a regular basis, and that it is not insured under your policy. They essentially are not getting premium for her potential liability exposure from that car even though she is on your policy. He...
by Goal33
Thu Jun 22, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Scenario
Replies: 7
Views: 673

Auto Insurance Scenario

My car situation - I personally own 2 cars outright for which I am the primary driver. - My fiancee drives my cars probably once every few months at most. - My fiancee's parents own a car that my fiancee drives everyday. Since we live together, this car is parked at my house. My 3 Priorities when it...
by Goal33
Thu Jun 22, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Save or Pay Down Mortgage?
Replies: 5
Views: 634

Re: Save or Pay Down Mortgage?

I would just refinance it all into one loan at a lower rate than what you currently have. Probably a 3/1 arm since you're going to move.
by Goal33
Mon Jun 19, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 21
Views: 2188

Re: Avoid taking Dividends?

He avoids dividends by selling shares at a gain/loss before the dividend because he can trade freely either due to being in a 0% cap gains bracket, or due to previous TLHing that has been carried over.
by Goal33
Mon Jun 19, 2017 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1634

Re: Credit for Retirees

I've never been asked to verify my employment or my income except for when I went for a mortgage.
by Goal33
Sun Jun 18, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Scratched Bumper with Police on the Scene
Replies: 26
Views: 2355

Re: Scratched Bumper with Police on the Scene

Make a claim against his insurance.
by Goal33
Sun Jun 18, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan vs Mortgage
Replies: 29
Views: 1985

Re: Auto Loan vs Mortgage

Find a lender that'll front the cost for the appraisal if it doesn't appraise higher than your purchase price. Anyway, it probably will.
by Goal33
Sun Jun 18, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan vs Mortgage
Replies: 29
Views: 1985

Re: Auto Loan vs Mortgage

Step 1 is to do a refinance. Get the best rate possible and put what is needed in to get to 80% L2V so you don't have to have PMI. If you have extra cash after this activity is complete, create a new post on bogleheads reflecting new situation. Goal33, putting 20% down for a refinance would require...
by Goal33
Sun Jun 18, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Loan vs Mortgage
Replies: 29
Views: 1985

Re: Auto Loan vs Mortgage

Step 1 is to do a refinance. Get the best rate possible and put what is needed in to get to 80% L2V so you don't have to have PMI.

If you have extra cash after this activity is complete, create a new post on bogleheads reflecting new situation.
by Goal33
Sun Jun 18, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Change Auto & Umbrella Insurance after 52 years?
Replies: 21
Views: 1801

Re: Change Auto & Umbrella Insurance after 52 years?

Your past relationship is meaningless in terms of any benefit to you. You shouldn't be surprised when they don't even try to retain you when you cancel your existing policy.
by Goal33
Sun Jun 18, 2017 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone into real estate investing here?
Replies: 9
Views: 599

Re: Anyone into real estate investing here?

I don't like owning investment properties. I like owning my primary residence though. But will likely sell it when I go for the upgrade in 5-7 years.
by Goal33
Sun Jun 18, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Should I get a second vehicle?
Replies: 5
Views: 489

Re: Should I get a second vehicle?

Same age as you. I'm buying an SL500 used tomorrow because I've always wanted one and think it would be fun. I'll sell it once I get it out of my system. I'm going to keep my current car as well. Financially this obviously doesn't make sense. But it'll be fun! So if you're trying to justify a 2nd ca...
by Goal33
Sun Jun 18, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Roof Replacement - options
Replies: 6
Views: 829

Re: Roof Replacement - options

To be honest I'm kind of confused about the 1k portion you're talking about that brought your check to 5k rather than 6k...

Anyway, if you liked the first roofer, ask him if he can do the job for 5k
by Goal33
Sun Jun 18, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: State Farm to Geico
Replies: 13
Views: 1122

Re: State Farm to Geico

Please help me decide if it makes sense to switch from State Farm to Geico. Bay area, 56M, 2017 Volt, no citations in last three years. State Farm quoted me $800 for six months while Geico will do a similar coverage for $420. I'm long-term State Farm Customer. It makes sense to switch. Also if you ...
by Goal33
Sun Jun 18, 2017 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6170

Re: So sick of it! [Paying off student loans]

Clever_Username wrote:I'm in no hurry to pay off my mortgage at 4.25% either.


You should be in a hurry to refinance it at a lower rate while you still can, though.
by Goal33
Sun Jun 18, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4842

Re: Best Financial Advice from Dad (in honor of father's day)

I missed out on a lot of gains listening to my dad's advice and fears. He probably has a networth of 1.5M and is totally fine financially. Most important lesson learned from watching his actions: don't get marrried and divorced multiple times, and if you do, protect your assets. He still hasn't lear...
by Goal33
Sun Jun 18, 2017 2:44 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6170

Re: So sick of it!

I paid my student loan off because having the loan bugged me. Rate was low so it wasn't a mathematical decision but a personal preference. Sounds like you should just do the same.
by Goal33
Sun Jun 18, 2017 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Divorce and My IRA
Replies: 21
Views: 4411

Re: Divorce and My IRA

Divorce is expensive enough, give him half but don't pay extra taxes by withdrawing money. Plus, there may be a penalty for withdrawal.
by Goal33
Sat Jun 17, 2017 7:35 pm
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1432

Re: Deck needs replaced, what should I get?

When are you selling? Maybe within the next 3 years. How much do you think the house is worth? With the current deck: $0. With the current deck replaced, $485,000. With the new deck, double size, 1/2 covered and all Trex, maybe $485,000. For a house that price, if you'd get a lot of use out of the ...
by Goal33
Sat Jun 17, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Deck needs replaced, what should I get?
Replies: 17
Views: 1432

Re: Deck needs replaced, what should I get?

When are you selling?
by Goal33
Sat Jun 17, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred
Replies: 17
Views: 1925

Re: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred

Any oil leaking from under the car? If not, I would: 1) spark plugs 2) change oil with oil filter 3) top off fluids 3) battery (as above poster said, it will go soon anyway) 4) breaks 5) tires 6) air filter 7) cabin air filter 8) serpentine belt If it's leaking oil on the floor, probably need to cha...
by Goal33
Sat Jun 17, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16317

Re: Siblings in disagreement over mom's house.

How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k. Stunned by this response. 50k is material to an individual. Why you are so stunned? Just an suggestion to keep family harmony. If it ...
by Goal33
Sat Jun 17, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 16317

Re: Siblings in disagreement over mom's house.

2pedals wrote:How about gifting your shares? You and your siblings that don't want it can gift shares to the others that want it. I don't see why you would fight over approx. 50k.


Stunned by this response. 50k is material to an individual.
by Goal33
Fri Jun 16, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2496

Re: Need WIFI repeater or second router Advice

Sidney wrote:I would replace their router with a better one.


+1, try an R7000. Affordable and excellent.
by Goal33
Wed Jun 14, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4876

Re: Do You Take Your Credit Card Receipts?

I take them. I don't have a good reason for it though
by Goal33
Wed Jun 14, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 3420

Re: Would you take a 25% pay cut for more professional satisfaction?

I'm curious how confident you are that you'll be more satisfied with the lower paying job... It sounds great. In theory I would happily take less money for a job that makes me happier, but I tend to think I'd find any job pretty much the same.
by Goal33
Wed Jun 14, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: 2004 LEXUS RX 330
Replies: 46
Views: 2583

Re: 2004 LEXUS RX 330

livesoft wrote:I'll buy his Highlander for $15,000 cash.


I'll buy it from you for $16,000 so you can have a RGD
by Goal33
Tue Jun 13, 2017 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11903

Re: Who takes financial chances and why is this forum so financially conservative?

I took an internship that caused me to go out of pocket for living expenses all summer instead of the fancy internship that came with free housing and nice hourly pay. It lead to a job where I'm now making 150k only 2 years out of college.
by Goal33
Tue Jun 13, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Target Date to DIY
Replies: 14
Views: 1062

Re: Target Date to DIY

My opinion is that you DIY once a taxable account is in the mix.

I guess it can be argued that the expense ratios do add up, but I think the real gains of DIY are when you are looking at tax efficiency.
by Goal33
Mon Jun 12, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Can't decide how to get [paid: W-2 or 1099?]
Replies: 15
Views: 1301

Re: Can't decide how to get pay.

That's awesome that you're able to defer so much income. But, how do you afford to meet your expenses? If you need some of that money to make bills, it might change the answer.
by Goal33
Mon Jun 12, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 91
Views: 5448

Re: Have you canceled cable?

I haven't had a landline since 2009.
I haven't had cable tv since early 2016.
I haven't had home internet since early 2017.

I do have a iPhone with call, text, data. My neighbors internet is unsecured for the occasional conference call from home or movie stream :)
by Goal33
Tue Jun 06, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase budget advice
Replies: 20
Views: 1472

Re: Home purchase budget advice

Your problem is that your non-housing expenses of $5100 are way too high.
by Goal33
Tue Jun 06, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Housing is too expensive.
Replies: 49
Views: 6171

Re: Housing is too expensive.

Seems to me like you can afford it.
by Goal33
Tue Jun 06, 2017 12:28 am
Forum: Personal Finance (Not Investing)
Topic: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?
Replies: 22
Views: 1220

Re: Trip to Ireland/Amex/Visa/Do I need a card with no foreign tx fee?

My apologies in advance because I didn't read the full thread. I spend approx 10% of my time in Ireland with work. American Express is not widely accepted in my experience.
by Goal33
Mon Jun 05, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 90
Views: 7745

Re: Worth it to buy expensive clothes?

I probably would stick to one outfit at a time and spread that cost out, but there's nothing wrong with wearing nice clothes. Unless of course you're a software engineer in the silicon valley coming to work with Allen Edmonds. Might be a bit unnecessary.
by Goal33
Mon Jun 05, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Old stock certificates
Replies: 4
Views: 457

Re: Old stock certificates

According to some inflation calculator I just found on Google:

$600.00 in 1920 had the same buying power as $7,664.51 in 2017

Please post back when you figure out if those stocks have any value.
by Goal33
Sun Jun 04, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Baby Boomer Mortgage Payoff....Yes or No?
Replies: 7
Views: 665

Re: Baby Boomer Mortgage Payoff....Yes or No?

I don't know but you are on pace to pay it off in 6 years anyway. You should refi to a 7/1 arm at the least and lower that rate almost 1%. Keep your payment the same and you'll save time and money at the same payment level you're currently making.

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