Search found 190 matches

by RRAAYY3
Mon Dec 11, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 4
Views: 157

Re: Progressive Insurance

Progressive is incredible and the customer service is almost enjoyable it’s so good
by RRAAYY3
Mon Dec 11, 2017 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest in a bull market
Replies: 17
Views: 1841

Re: When to invest in a bull market

i posted something similar months ago ... afraid of the "peak" ... the market has broken records i dont even know how many times since and I'm up 10% since I feared the market top

don't invest in what you need in the short term and dive right in
by RRAAYY3
Mon Dec 11, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 8
Views: 473

Re: Build credit or pay in full

Would it be better for my credit if I essentially financed and then paid the loan off in full one shot or over a year or so?
by RRAAYY3
Mon Dec 11, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

Re: 401K / Roth IRA Decision

28% tax bracket + NJ state tax The 401k matches 3% and the expense ratio is 1.47 % for target date + a 1% fee on the account balance . S & P fund has an ER of 1% Idk how long planning on staying - but not leaving any time soon ... Small company, seems like a costly 401K. Still do up to match ? Defi...
by RRAAYY3
Mon Dec 11, 2017 8:23 am
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

Re: 401K / Roth IRA Decision

28% tax bracket + NJ state tax

The 401k matches 3% and the expense ratio is 1.47 % for target date + a 1% fee on the account balance . S & P fund has an ER of 1%

Idk how long planning on staying - but not leaving any time soon ...

Small company, seems like a costly 401K. Still do up to match ?
by RRAAYY3
Sun Dec 10, 2017 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

Re: 401K / Roth IRA Decision

Would you be able to roll the 401k into a Roth IRA ?
by RRAAYY3
Sun Dec 10, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 8
Views: 473

Build credit or pay in full

Just bought a new car, put 20+% down and financing over 3 years My credit score is good, but at 32 I’d like to build my credit even more Should I pay off the loan ASAP or make the payments to benefit my credit. I have the money already I was thinking of doing double the amount per month and financin...
by RRAAYY3
Sun Dec 10, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

Re: 401K / Roth IRA Decision

I’m new to the 401K scene if you will ... There’s a 1% fee on the 401K plus the significant higher expense ratios ... likely in lower bracket when retired ... Am I correct in determining that the 401K is still a better option due to the tax break now in a higher bracket? Also the length of employmen...
by RRAAYY3
Sat Dec 09, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

Re: 401K / Roth IRA Decision

kerplunk wrote:
Sat Dec 09, 2017 2:54 pm
If my 401(k) expenses were that high, I would find a new job. No sarcasm.
Welp, it’s an awesome job in every other aspect - so that’s not happening

I assume this means max Roth, 401K up to match, rest in tax efficient index funds taxable accounts ?
by RRAAYY3
Sat Dec 09, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 67
Views: 7146

Re: Just not getting it

Why bet on a few when you can buy a fund that included them and any other relevant key players
by RRAAYY3
Sat Dec 09, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K / Roth IRA Decision
Replies: 14
Views: 1070

401K / Roth IRA Decision

Annual netcome: 95K; 28% tax bracket; Currently have Roth IRA @ Vanguard: Target Date 2050 set and forget. Planning on max contribution while still eligible. Going to be eligible for 401K in January ... can you max out Roth contribution AND 401K contribution ? 1. Max Roth and 401K? - Max 401K only? ...
by RRAAYY3
Sat Dec 09, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10038

Re: Save all this money, what do you splurge on?

traveling and dining - i once spent over 20K in a summer, don't regret it at all. Monday through Thursday I pretty much spend $0 (coffee, breakfast, lunch all at home) and everyone at the office makes fun of me. I'm also 32, have traveled to most of my "bucket list" already, with a 6 figure net wort...
by RRAAYY3
Wed Dec 06, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5681

Re: It's that time of year again... buying christmas gifts

i know my real friends by the fact i don't need to give them $300 gifts every year
by RRAAYY3
Wed Dec 06, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Work from Home Jobs
Replies: 21
Views: 2762

Re: Work from Home Jobs

by RRAAYY3
Wed Dec 06, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 88
Views: 7675

Re: Want to sell my Bitcoin, but when?

“Should I sell this gimmick and guarantee a ridiculous return on investment or should I be greedy and risk losing once the inevitable bubble bursts?” Tough decision lol...yeah, when you put it like that.. I think I'll give it a few days and see what the CBOE futures do to the price. I may move some...
by RRAAYY3
Wed Dec 06, 2017 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Want to sell my Bitcoin, but when?
Replies: 88
Views: 7675

Re: Want to sell my Bitcoin, but when?

“Should I sell this gimmick and guarantee a ridiculous return on investment or should I be greedy and risk losing once the inevitable bubble bursts?”

Tough decision
by RRAAYY3
Tue Dec 05, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

^ Plan to stay or plan to leave ?

I love my job / company - just wanted to make sure that wasn’t a typo
by RRAAYY3
Tue Dec 05, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 8309

Re: 2018 Subaru Outback

Test drive the new Civic Hatchback Sport

Ridiculously roomy, suspension / handling is incredible, and it is so much fun to drive.
by RRAAYY3
Tue Dec 05, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: New Cash - dollar-cost averaging in?
Replies: 35
Views: 1878

Re: New Cash - dollar-cost averaging in?

I posted something similar awhile ago Feared the peak / inevitable correction ... one day I dumped a lump sum to get the Admiral shares at Vanguard then DCA’d into that fund at least once per month after When values got uncomfortable, I dumped another lump sum into total international. Now I dollar ...
by RRAAYY3
Mon Dec 04, 2017 9:53 pm
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 297
Views: 46155

Re: Retreat to cash

GoldenFinch wrote:
Mon Dec 04, 2017 9:45 pm
Someone I know who went to cash in the summer of 2014 and stayed out waiting for the big crash just went to 100% equities last week.

:confused
... yikes
by RRAAYY3
Mon Dec 04, 2017 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

regarding cap gains - am i taxed simply for having a taxable account or is that only applicable when i sell off shares short term = held less than a year; income tax rate long term = year +; 15% tax i view my taxable account as one of my retirement vehicles so just wanna make sure i'm not missing ou...
by RRAAYY3
Mon Dec 04, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3319

Re: Understanding the World of Credit Card "Points"

i put literally everything but gas on my card (cash is cheaper) meals, groceries, drinks, whatever - if i'm spending the money, might as well as something back for it (the points add up over a year or so ... it's nice when you randomly get 1,000 back simply for using your card and paying it off as y...
by RRAAYY3
Sun Dec 03, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

I was under the impression that Vanguard locks in whatever days selling price (as long as before market close) otherwise it’s the next day - I think the “settlingl is in regards to withdrawing what you put in

I want it in January, not a deal breaker if it’s Januaru 2nd or 22nd
by RRAAYY3
Sun Dec 03, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

Do I need to move money to Vanguard in order to make the Roth contribution?

When I make taxable contributions it’s direct from my bank
by RRAAYY3
Sun Dec 03, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

You can invest any amount at anytime throughout the year up to the maximum. You can invest in any available fund at anytime within the ROTH account. You can move your funds from one fund to another within the Roth account at anytime. The government does not care about any of this. They just care ab...
by RRAAYY3
Sun Dec 03, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

Re: ROTH IRA 2018 Contribution

Yes, DCA or lump sum is okay. Investment selection is your choice as well. Thank you. When I converted over to Vanguard, I actually went more Int’l then Total US (based on valuations at the time) so the 5500 in US will serve as the rebalance - worked out well this year I’ll likely be chopping it up...
by RRAAYY3
Sun Dec 03, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA 2018 Contribution
Replies: 15
Views: 2182

ROTH IRA 2018 Contribution

This will be my first year doing my Roth “advisor free” (woo hoo !) Just a quick question as January approaches - can the contribution be DCA’d or must it be $5500 one shot? Also, my Roth is Total US / Total Int’l - this year I’m planning on going all $5500 in US but for future references, can I spl...
by RRAAYY3
Fri Dec 01, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4567

Re: I Can "Afford" This Right? (New Car)

You can afford it - do it

If you can save for retirement, cover expenses, and still have the money to play with for a car like this - do it

So many people on here get caught up in penny pinching every cent for 20+ years from now - enjoy life during the accumulation process too
by RRAAYY3
Fri Dec 01, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Investing large lump sum in current market
Replies: 8
Views: 854

Re: Investing large lump sum in current market

I invested “lump sums” enough to get Admiral shares of total us / international and then make contributions to whichever fund is lacking according to my AA preferences Basically, don’t time the market, dive in - either all at once or enough to get the cheapest shares (then let the market determine w...
by RRAAYY3
Thu Nov 30, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4567

Re: I Can "Afford" This Right? (New Car)

Buy a Nissan Skyline GT R
by RRAAYY3
Thu Nov 30, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4567

Re: I Can "Afford" This Right? (New Car)

so many nicer cars to waste money on
by RRAAYY3
Tue Nov 28, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

from garden state honda: $23,766 everything included ... meh.
by RRAAYY3
Tue Nov 28, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Thank you ! I think I’m already making the smart decision to buy a Honda I’m just now overobsessed with getting the best deal Between lease and insurance I was paying over $600 a month to have a fancy car when I was 23 ... now I’m paying less a month to potentially own a car - just trying to be the ...
by RRAAYY3
Tue Nov 28, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Thanks you’re the man. Dealers open in 15 minutes I will make the calls before heading into the office

Would be nice if I could get the local dealer down to a better number I could almost walk to the dealership
by RRAAYY3
Tue Nov 28, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Maybe I could say the under 21300 quote included everything ? It’s the only number I have to really shop around with Doing the math I see I can “breakdown” the number to include a 19000 sell price, + car max guide to all the fees (+1575) + doc fee + XX to add up for “under 21300” Do I make an offer ...
by RRAAYY3
Tue Nov 28, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

I slept terribly and will no longer be in that dealerships area today so i’m cancelling ... Honestly, I haven’t been able to get an actual price to be presented / agreed upon from over 5 dealerships and I’m at a loss with getting the “best deal” Do I call and make an offer and if it’s accepted go or...
by RRAAYY3
Tue Nov 28, 2017 2:13 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

If I lease 0 down, 250-290 month 36 months / 12K miles If I buy 4500 down, finance for 36 months If I calculated correctly I could sell the car in 3 years if I’m sick of it for a net loss of $8000 (way cheaper than lease), if I love the car it’s mine for a decade I will likely finance, I would like ...
by RRAAYY3
Tue Nov 28, 2017 12:01 am
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Forgot ... I was told “if I qualify” financing available as low as .9 % from another dealer Is that something that can be negotiated with another dealer? Might as well screenshot / print that I guess The dealer that gave me the “under 21,300” also refuses to give me a final price because “of all the...
by RRAAYY3
Mon Nov 27, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Great to know regarding maintenance I have a dealership 5 minutes away ... nice to know I can use them even if I buy further away Most dealers are happy to do your service warranty work as they get paid to do it. It is a still a form of revenue/profit in another department of their store. However, ...
by RRAAYY3
Mon Nov 27, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Great to know regarding maintenance

I have a dealership 5 minutes away ... nice to know I can use them even if I buy further away
by RRAAYY3
Mon Nov 27, 2017 10:29 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

I'd go drive it and make sure you like it. If it was me, I'd get the very newest model with the most safety features. I would 'advertise' to all the dealers in your state that you want a car. I'd use AAA, Costco, Edmunds, and all of their individual websites. I would know exactly what model, option...
by RRAAYY3
Mon Nov 27, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Ray, I'm the general manager at my father's Toyota store. I use this site to gain some investment knowledge, but came across your questions and out of curiosity I read the thread to see how other's felt you should purchase your new car. I can tell you, as it is my profession, that dealers DO care i...
by RRAAYY3
Mon Nov 27, 2017 9:44 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

is there a general rule of thumb off MSRP to negotiate?
by RRAAYY3
Mon Nov 27, 2017 8:39 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

I figure worst case I know whether I love the “sport” or if the LX is good enough and continue hunting I have, in writing, a price assurance guarantee they will beat the lowest offer ($21,300) on top of the fact they have been the most persistent - and got to the point this morning of flat out sayin...
by RRAAYY3
Mon Nov 27, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I ne...
by RRAAYY3
Mon Nov 27, 2017 6:09 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I ne...
by RRAAYY3
Mon Nov 27, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

Have a tentative appointment scheduled for tomorrow to test drive the Sport They refuse to give me a bottom line number but did say they would beat the 21,300 quote I have elsewhere Printed out that quote as proof ... they said they could take a $500 deposit on the car and hold it for me until I nee...
by RRAAYY3
Sun Nov 26, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

I looked at my dealers website. 2018 civic hatchback (4 in stock) LX: MSRP is $21575. After Instant savings $20,689 3 Sport models MSRP is 23,175. After savings 22170 MSRP is 23,175. After 22,095. Special financing through Honda is for the 2017 model. I didn’t see any for the 2018 My credit union h...
by RRAAYY3
Sun Nov 26, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: CAR: Buy new, buy used (2016), lease new
Replies: 56
Views: 2831

Re: CAR: Buy new, buy used (2016), lease new

So basically just throw out there “I’m willing to pay 20500 for a 2018 Civic Hatchback Sport, Black with Black interior” and have them agree via email before test driving again ? What kinda rates am I looking at with a credit score above 800? I hate having the money in Ally and knowing I could just ...