Search found 15 matches

by bpman1192
Sat Jan 02, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: New or Lightly Used Honda CRV?
Replies: 16
Views: 1741

Re: New or Lightly Used Honda CRV?

My family has a 2009 Honda CRV and it still runs great after 60K miles. I doubt you will find a deal on a 1 or 2 year old used unless the mileage is high. I would opt for a new CRV and maybe compare with Truecar.com vs. what the dealer is offering to see if you can get a great deal that way.
by bpman1192
Sat Jan 02, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 4647

Re: Minivan or not?

Wow! I love this forum! After all of the responses, a part of me always was leaning towards the Toyota Sienna. I did see the Odyssey at the auto show recently but visitors were climbing all over the Sienna minivans. The Odyssey is a fantastic vehicle. I guess it just comes down to preference. I do l...
by bpman1192
Sat Jan 02, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Juice/Smoothie Recipes
Replies: 11
Views: 1187

Re: Juice/Smoothie Recipes

Check out rebootwithjoe.com It's a website with great recipes. I do the mean green juice myself (carrots, kale, cucumbers, celery, green apple). Be careful on the sugar content though. I tend to use juices that are mostly veggies where the fruit takes that "eating grass" flavor out so it i...
by bpman1192
Sat Jan 02, 2016 2:23 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 2268

Re: Minivan or SUV?

Thanks for your response. I guess it really comes down to whether or not looking "cool" is important or not. I would think comfort for road trips
would best be served in a minivan.
by bpman1192
Sat Jan 02, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 2268

Minivan or SUV?

I am currently looking at replacing a Honda Civic Hybrid 2005 model with a vehicle to accomodate our growing family. I have two boys and my wife and I are looking at getting a larger car. We are looking at a Toyota Sienna or a Honday Pilot. Any suggestions? The extra seating would be great when we h...
by bpman1192
Sat Jan 02, 2016 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 4015

Re: Engaged...So how do we handle finances now?

I would try to keep finances separate until you are both officially married. Having a joint bank account to save for wedding expenses wouldn't be a bad idea. Otherwise, keep finances separate until you officially tie the knot. As Dave Ramsey says," When you marry, the minister doesn't say now y...
by bpman1192
Sat Jan 02, 2016 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Short term savings...
Replies: 5
Views: 610

Re: Short term savings...

I would use an online savings account like Ally Bank. I myself use American Express Personal Savings. It really doesn't matter what online account you use as long as you can transfer the money when you need it. I would not use I bonds or any other investment for that money especially if it is for a ...
by bpman1192
Sat Jan 02, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: I'm down 2.5% for 15'
Replies: 41
Views: 3767

Re: I'm down 2.5% for 15'

I was thinking investing equal amounts into Vanguard Total Stock Market Index, Vanguard Total Stock International and Vanguard Total Bond Index. Purchasing fixed amounts over 6 months to a year instead of all at one time would have minimized losses in the short-term. Regardless, I would propose that...
by bpman1192
Sat Jan 02, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: I'm down 2.5% for 15'
Replies: 41
Views: 3767

Re: I'm down 2.5% for 15'

I wonder if it would have helped by investing equal sums of money into several Vanguard funds over the course of 6 months to a year. Wouldn't this have helped to minimize volatility in your account?
by bpman1192
Sun Jun 16, 2013 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest in bonds at all in my AA?
Replies: 15
Views: 1643

Re: Should I invest in bonds at all in my AA?

Thanks for the suggestions. I am 39 years of age and I will heed your advice and add in a percentage of bonds to my portfolio. My 401k options include the Pimco Total Return Bond Fund (0.45%) and the Vanguard Total Bond Market Inst. (0.07%). I was considering 10% in each with the rest in Fidelity In...
by bpman1192
Sat Jun 15, 2013 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest in bonds at all in my AA?
Replies: 15
Views: 1643

Should I invest in bonds at all in my AA?

I have a 401k with $130K and an IRA with $8K. My asset allocation is all towards equity and no bonds at all. My fear is that when rates do go up and they will esp. if the Fed stops or curtails their bond purchase program of $85 billion per month, bond prices will drop. Would it be better to stay 100...
by bpman1192
Sat Jun 15, 2013 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my bonds and pay off student loan??
Replies: 15
Views: 1785

Re: Should I sell my bonds and pay off student loan??

Definitely sell the bonds to pay off your wife's student loans. This talk about "if you divorce" is something I disagree with. If you're married you don't make your decisions on a possible divorce. Remember, your money and debts are all shared figuratively. You win together and you lose to...
by bpman1192
Sun Jan 27, 2013 5:56 am
Forum: Investing - Help with Personal Investments
Topic: First look at portfolio since being newly married
Replies: 8
Views: 1173

Re: First look at portfolio since being newly married

I really would work towards allocating your retirement investing towards index funds and really focus on putting your investments towards the lowest cost options available. I would keep the investment allocation very simple with the following recommendations: His 401k: 25% S&P 500 index 25% Fide...
by bpman1192
Sun Jan 27, 2013 5:46 am
Forum: Investing - Help with Personal Investments
Topic: Lump Sum
Replies: 6
Views: 790

Re: Lump Sum

I would go ahead and invest the lump sum amount into several index funds and not worry about where the market is currently.
If your time horizon is at least 5 years or more, I would invest the money and not even worry about if the "timing" is right.
by bpman1192
Sun Jan 27, 2013 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard a Bad Idea for Investing less than 10k?
Replies: 16
Views: 3105

Re: Is Vanguard a Bad Idea for Investing less than 10k?

I would look into opening your account with Schwab. They have minimums of $100 on their index funds and expense ratios are
super low and extremely competitive.

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