Search found 219 matches

by camaro327
Fri Apr 21, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37556

Re: Larry Swedroe says "Goodby."

Thank you for your contributions. Great insights over the years.
by camaro327
Sat Feb 04, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: High Car Insurance VS Umbrella Insurace
Replies: 16
Views: 1941

Re: High Car Insurance VS Umbrella Insurace

It looks like you have a lot of bells and whistles that may be costing you a lot of money Several of these look like little tag-on maintenance goodies (OEM parts, etc). Also, I would compare the cost of comp with and without full glass. However, some states are just more expensive than others and o...
by camaro327
Mon Jan 02, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 5915

Re: I-bonds

There are two ways to buy i-bonds:

1. TreasuryDirect
2. Tax refund.

The downside is you can not redeem i-bonds for 1 year.

I would wait until May to purchase to see if the fixed rate increases.
by camaro327
Mon Jan 02, 2017 5:07 am
Forum: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 2774

Re: 2017 I-bond purchases - buy now or wait until May?

It's possible to get a fixed rate greater than zero either in May or November, so it's definitely worth waiting.
by camaro327
Thu Dec 22, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401(k) vs. 401(k)
Replies: 26
Views: 2473

Re: Roth 401(k) vs. 401(k)

Lets say you are putting $650 into a Roth 401k. Since you get an upfront deduction for the traditional 401k, you could put $1,000 (assuming a combined 35% federal and state tax) and still have the same amount of take home pay.
by camaro327
Sun Dec 11, 2016 6:02 am
Forum: Investing - Help with Personal Investments
Topic: VUG - Vanguard [Growth ETF]
Replies: 5
Views: 725

Re: VUG - Vanguard [Growth ETF]

I think this is perfectly logical as long as you continue to add to both ETFs in roughly equal amounts. In other words, not try to market time the growth or value portions of the large cap index.
by camaro327
Mon Nov 21, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Inflation-Protected Securities Is a Top Pick."
Replies: 23
Views: 4004

Re: "Vanguard Inflation-Protected Securities Is a Top Pick."

I'm not a big fan of this fund. The expense ratio is too high unless you have enough for Admiral Shares and if you have enough for Admiral Shares, I think someone would be better off with a mix of I bonds and individual Tips. It wouldn't take much effort to build a small Tips ladder.
by camaro327
Wed Oct 26, 2016 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 2769

Re: Will the market go up or down after the election?

For any given day after the election, probably a 51% chance of going up and 49% chance of going down.
by camaro327
Sat Sep 24, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: 100 Things Not Worth a Penny
Replies: 32
Views: 3079

Re: 100 Things Not Worth a Penny

modem rental
low deductibles on auto insurance (Full, $50, $100,etc.)
cheap law fertilizer
credit card fees
by camaro327
Fri Sep 23, 2016 4:43 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 218
Views: 48651

Re: My New Car Buying Tips

Your current policy covers a newly acquired auto for a specified period of time. Usually this is 14 days, after that you would not have coverage. Comp and Collision are usually included for 14 days. You would have to check out the definition of "newly acquired" auto in your particular poli...
by camaro327
Tue Sep 20, 2016 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth contributions the right thing to do?
Replies: 8
Views: 1365

Re: Are Roth contributions the right thing to do?

I think you would need to post at least your tax bracket (federal and state) for people to give feedback on this.
by camaro327
Thu Sep 08, 2016 6:09 am
Forum: Investing - Theory, News & General
Topic: S&P 500 index and funds difference
Replies: 4
Views: 699

Re: S&P 500 index and funds difference

It could be the dividends that the funds pay out. The actual index doesn't pay the dividend.

Check back after a dividend payment and see if the funds continue to depart from the index over 30 days or so.
by camaro327
Sun Jul 24, 2016 5:20 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 4322

Re: New car or not?

Yes a mid-size car will be more stable due mostly to the added weight. However, it does mostly come down to tires and dedicated snow tires would help in the winter. Otherwise just get an SUV for the additional ground clearance in the winter weather.
by camaro327
Sun Jul 10, 2016 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 5038

Re: Putting Your Emergency Fund In I Bonds?

I think this is a great strategy and savings vehicle to use for your emergency fund. You seem to already understand the 12 month holding period, which is the only drawback.
by camaro327
Thu Jul 07, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 3531

Re: Sentra or Corolla?

I would go with the Civic or Mazda 3, because those are both on the sportier side. If you just want a small hauler, I vote for the Toyota.
by camaro327
Fri Jun 03, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 3672

Re: Anyone have experience with Goldman Sachs online savings?

I've used GSbank and had the same experience as DaftInvestor.

However, why not open a second account at Barclays. Each account would have it's own limit on the number of monthly withdrawals.
by camaro327
Sun May 22, 2016 5:31 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 6475

Re: Which HBO show to watch next?

I've watched Rome and Big Love and enjoy. I didn't like Veep, however someone that likes the type of humor the show uses probably would.

Rome is great since it is a little GOTish.

I think I'll look into Boardwalk Empire and Deadwood next.
by camaro327
Thu May 05, 2016 5:27 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 69
Views: 12572

Re: I Bond rates for May 1 announced

Looking for some education. Why do so may smart people on this thread think it is worthwhile to invest in I Bonds over a 5 year CD at this time? The current 5 year CD rates are definitely higher yielding- 2%- 2.25%, and these CDs can be broken (early withdrawal) at 6 months loss-of-interest in case...
by camaro327
Wed Apr 27, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Total Bond fund
Replies: 7
Views: 1318

Re: Fidelity Total Bond fund

It's okay in a tax-advantaged account. I would still prefer the spartan US bond index with it's lower expense ratio.
by camaro327
Mon Apr 25, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 4844

Re: I Bonds before end of the month?

csm wrote: On the other hand, is it that difficult to invest in a low to moderate risk bond index fund that should return at least the rate of inflation over time?


The bond index fund doesn't have tax deferral or principal protection. I bonds have both.
by camaro327
Sat Mar 26, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Considering S&P 500 Index and Total Stock Market Index in portfolio....
Replies: 10
Views: 1484

Re: Considering S&P 500 Index and Total Stock Market Index in portfolio....

This is not a recommendation but you might consider the 500 or TSM (not both) plus a small cap fund with your desired allocation between the two funds. This could accomplish what I think you are trying to do. +1 As others have said these two are almost identical in performance. I would add a small ...
by camaro327
Sat Mar 19, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or Loan?
Replies: 9
Views: 745

Re: 401k or Loan?

If this is a mortgage I would leave the loan and increase the 401k contribution. If it's a car loan or something else, I would pay the loan off first.
by camaro327
Sat Mar 19, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: 401k or Loan?
Replies: 9
Views: 745

Re: 401k or Loan?

I'm not seeing the size of the loan or the OP's tax bracket. Without those two pieces of information there is not much to base a decision on.
by camaro327
Fri Feb 12, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: ETF XLP Consumer Staples and Non-Qualified Dividends
Replies: 4
Views: 350

Re: ETF XLP Consumer Staples and Non-Qualified Dividends

Thanks livesoft, it is a long term holding I've had for several years and have not sold. Each year the amount of non-qualified dividends has risen, but to 100% seems odd.
by camaro327
Fri Feb 12, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: ETF XLP Consumer Staples and Non-Qualified Dividends
Replies: 4
Views: 350

ETF XLP Consumer Staples and Non-Qualified Dividends

I just received my 1099 and it list all dividends for my XLP Consumers Staples Select Sector SPDR as non-qualified. Is it possible for an ETF to have all non-qualified dividends or is it likely I'll get a corrected 1099?
by camaro327
Sat Nov 14, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: New Car - Acceptable Initial Mileage ?
Replies: 27
Views: 12765

Re: New Car - Acceptable Initial Mileage ?

The 2 new cars I bought had 60 and 10 miles on them. I would look at anything over 100 miles as needing an additional discount to entice me. I'm buying a new auto, not one that was used by employees to play NASCAR on their way to and from work.
by camaro327
Thu Oct 01, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: I-bond vs taxable
Replies: 5
Views: 878

Re: I-bond vs taxable

Quite a few people endorse I-bonds here. However, from May 2015 to October 2015 there is no good reason to purchase these since the first 6 months is a guaranteed 0% interest rate. If November turns positive, which it would be pending the October CPI release, that would rekindle some of the interest...
by camaro327
Sat Aug 08, 2015 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 7348

Re: Current CD rates and online banking

I would search the forum for topics such as Bonds vs CDs. There have been several recent threads related to this topic.

Also, both bankrate and depositaccounts.com have several articles about online banking safety.
by camaro327
Sat Aug 01, 2015 5:26 am
Forum: Investing - Help with Personal Investments
Topic: 85 Year Old with $150K to invest
Replies: 12
Views: 1923

Re: 85 Year Old with $150K to invest

I would go with the normal retirement income mix using these options:

20% in VTSAX
80% in a 3 to 5 year CD ladder with 1 year rungs (not brokerage CDs)
by camaro327
Mon Jul 13, 2015 6:57 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 8092

Re: I-Savings Bonds

They accrue interest monthly so you would have 12 different maturities vs 1 if you just bought them all at once.

More of a bookkeeping downside if any.
by camaro327
Mon May 25, 2015 5:57 am
Forum: Investing - Help with Personal Investments
Topic: Ally Savings and MMA
Replies: 23
Views: 4701

Re: Ally Savings and MMA

Do you guys find that using an online bank such as Ally is just as easy as a brock and mortar store? Not sure if I am ready to make the switch to online only for my emergency fund. Ally linked with a local brick and mortar will work very well. Ally has a very good interface, someone mentioned Synch...
by camaro327
Tue May 19, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: new i-bond rate?
Replies: 28
Views: 6041

Re: new i-bond rate?

So if I redeem $8,000 in August, I cannot repurchase $8,000 in November if the new announced semi-annual rate is suddenly 2, 3 or even 4%? You can make a new purchase of $8,000, but it would count against the $10,000 per year purchase limit. So if you haven't made any new purchases, you would be fi...
by camaro327
Sun May 10, 2015 6:16 am
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 7309

Re: Do banks take loose coinage?

Most banks and credit unions will do this free for their customers. You will want to call to confirm, but I only remember one bank that wanted a fee for this service and that was several years ago.
by camaro327
Sat May 02, 2015 8:08 am
Forum: Investing - Theory, News & General
Topic: Who's Buying I Bonds Now?
Replies: 43
Views: 6622

Re: New I bond rates out - not good news

There is no reason to buy I bonds between May and October. It is better to wait earn the 1% in a savings account and invest in November, assuming a positive CPI number.

If you're buying EEs then as a previous poster mentioned the sooner you buy them the sooner you get started on the holding period.
by camaro327
Thu Apr 30, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Buying a new Honda Civic or keeping the old lexus...
Replies: 25
Views: 3225

Re: Buying a new Honda Civic or keeping the old lexus...

If it's running well I would probably take it out a little further or at least until the next generation Civic arrives in the next 18 months.

Also, I would price your Civic out with leather to give you a little of the Lexus feel (IMHO).
by camaro327
Tue Apr 28, 2015 6:43 pm
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 44
Views: 7855

Re: I Bonds - now or later in the year?

0% composite. The Ouija board is still necessary to determine the fixed rate. So at midnight maybe someone can break out their board and see what it says.
by camaro327
Sun Apr 19, 2015 7:02 am
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 7963

Re: Has Anyone had a Credit Card Cancelled for not Using It

I had a Citi card that was cancelled in 2013 or 2014, that I had not used in 5 years. It's the only card that I've had cancelled.
by camaro327
Fri Feb 27, 2015 8:37 pm
Forum: Personal Consumer Issues
Topic: Which car should I sell?
Replies: 14
Views: 1119

Re: Which car should I sell?

Carefreeap wrote:I'd probably do the UN Boglehead thing and sell them both and use the proceeds to buy a new Subaru. :D


+1 Both are fairly high miles and over 10 years old. New Subaru, Toyota, Honda, etc.
by camaro327
Thu Jan 01, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 33962

Re: What do you drive, and why?

2009 Civic Si - Nice power, handling, and decent fuel economy.

I would probably go the Accord/Camry route with a V6 if I was in the market today. Quick in a straight line and better fuel economy than my Civic.
by camaro327
Sat Dec 27, 2014 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Best Online Savings bank
Replies: 52
Views: 12161

Re: Best Online Savings bank

Most any of the online savings banks mentioned paying 1% or more including Ally are good options.

The big difference would be comparing what other products they offer that you might be interested in such as checking, iras, etc.
by camaro327
Fri Dec 19, 2014 6:50 am
Forum: Personal Consumer Issues
Topic: Stolen car recovered, need a plan
Replies: 27
Views: 3574

Re: Stolen car recovered, need a plan

Does it still run? If so and you can sell it for 2-3K. I would see if a junk yard has a used window and replace it.
by camaro327
Wed Nov 26, 2014 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed EE Bonds to contribute to Roth, good move?
Replies: 6
Views: 737

Re: Cashed EE Bonds to contribute to Roth, good move?

There are no fixed income instruments currently available that offer a yield as high as those bonds were giving you with so little risk. They were a valuable asset in my opinion. Ditto. You may want to think before cashing the rest of the bonds in come December. Part of your retirement funds should...
by camaro327
Thu Nov 13, 2014 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: I BONDS
Replies: 8
Views: 1368

Re: I BONDS

If purchased in April 2003 the bonds have a fixed rate of 1.6% and would earn this through 2033. The fixed rate of 1.6% will more than cover the additional 10% tax if you hold through maturity in 2033. I would hold these as part of your long term fixed allocation and not let the tail wag the dog wit...
by camaro327
Wed Nov 05, 2014 6:48 pm
Forum: Personal Consumer Issues
Topic: Increased Premium Paid for Premium Gas
Replies: 24
Views: 2801

Re: Increased Premium Paid for Premium Gas

I remember when the regular to plus to premium difference was 10 cents and 6 cents. That ended around 2008 and the first spike into $4 per gallon gas.

Now, the total which was 16 cents from regular to premium is anywhere from 30 to 60 cents per gallon depending on the brand, station, etc.
by camaro327
Sun Jun 29, 2014 5:39 am
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 9321

Re: What octane gas do you use to fill your car?

I have a Honda Civic Si and I use the recommend premium grade gas, which is 91+. I usually use 93 octane or higher since it's all I can get other than 89 octane.
by camaro327
Wed Jun 04, 2014 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with gold coins?
Replies: 25
Views: 2074

Re: What would you do with gold coins?

I would decide if you want to hold these as part of your allocation. If so You should pick how much you want to hold and just buy your stock/bond mix until your at your target allocation.
by camaro327
Fri May 09, 2014 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Pay when leaving a job?
Replies: 16
Views: 2031

Re: Vacation Pay when leaving a job?

This is company policy specific. I would talk with HR.
by camaro327
Thu May 01, 2014 9:05 am
Forum: Investing - Theory, News & General
Topic: May 2014 ibond Rate
Replies: 32
Views: 2273

Re: Anyone know the new I-Bond Rate ?

This rate is a game changer. I mean seriously the loss of 0.10% is devastating. :)

I think it's a near meaningless difference for those that waited.
by camaro327
Thu Apr 24, 2014 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard e-delivery
Replies: 26
Views: 1904

Re: Vanguard e-delivery

I like the e-delivery, since the quarterly statements get shredded when the year end arrives anyway.
by camaro327
Fri Apr 04, 2014 4:43 am
Forum: Personal Consumer Issues
Topic: Transmission rebuilt ($2k) or buy a new car? [Honda Civic]
Replies: 23
Views: 9648

Re: Transmission rebuilt ($2k) or buy a new car? [Honda Civi

You're going to have to be able to drive it 2yrs or to 210K miles without other repairs to make it worthwhile. It's the "other" repairs that may come back to bite. With it's age I would rather put the money toward a new Honda Civic LX, base Mazda 3, etc. Then you can begin the chase for 25...

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