Search found 757 matches

by markcoop
Mon Jun 18, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 92
Views: 7738

Re: Very confused with the current market

First, let me say I'm not a fan of market timing. However, in general, I think alot of people are at least feeling the same sentiment as the OP - eventually there will be a correction. The longer the market climbs, the more I will be expecting it. One question is should one invest according to those...
by markcoop
Mon Jun 18, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 39
Views: 3091

Re: Why do we need 529?

The bogleheads.org forum members routinely recommend that people contribute the maximums possible to retirement accounts before even considering a 529 plan I am not so sure I agree with that. Sure, contribute up to the point that you need for retirement, but you don't have to max out everything. Fo...
by markcoop
Fri Jun 01, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent-Owned 529's a bad idea?
Replies: 27
Views: 2900

Re: Grandparent-Owned 529's a bad idea?

Also be aware that some private colleges (like my son's) have their own financial aid forms and ask specifically if there are any other 529s with the student as beneficiary. My son's school (a CSS Profile school) does not ask that question. Couldn't the grandparent just put someone else as the bene...
by markcoop
Mon May 21, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis
Replies: 5
Views: 439

Re: Missing Cost Basis

I just went through a similar exercise with a relative. We had come up with a few solutions: 1) You can reconstruct how many shares you owned each year based on the amount of dividends for the year. Based on that you could use the worst (or maybe average) price for any new shares acquired that year....
by markcoop
Tue May 15, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: sharing cars with two kids home from college?
Replies: 25
Views: 1582

Re: sharing cars with two kids home from college?

I just got a new car for me, but kept the minivan. So now I have 3 cars and 2 kids home from college. My wife needs a car, so really it's two cars for 3 of us. I just plan to work it out. I actually like to bike to work, so do that sometimes. Kids drop me off at work sometimes. Kids get a ride somet...
by markcoop
Mon Apr 30, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs unmatched 401K
Replies: 14
Views: 694

Re: Roth IRA vs unmatched 401K

It is a win for you as long as you can convert them at 12%. So, I do not understand why that is a problem for you. I agree and don't have a problem with doing that. I guess part of this post is wondering if at some point, when you feel you have enough to convert, how does that factor into the futur...
by markcoop
Mon Apr 30, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs unmatched 401K
Replies: 14
Views: 694

Re: Roth IRA vs unmatched 401K

Why won't you want to do both? You have money in the Roth IRA that you can spend with zero taxable income. Meanwhile, you can do Roth conversion of your tax-deferred account at low tax rate. So, the possibility of you having to pay more taxes in the retirement is very low. I do not see a reason why...
by markcoop
Mon Apr 30, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs unmatched 401K
Replies: 14
Views: 694

Re: Roth IRA vs unmatched 401K

A general plan would be to prioritize the 401k, delay SS until 70, and then spend or convert to Roth most of the 401k between the ages of 60 and 70. Yes, that is my general plan except I don't think I'll be able to spend/convert most of the 401K in that time period. I do understand that if I want t...
by markcoop
Mon Apr 30, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA vs unmatched 401K
Replies: 14
Views: 694

Re: Roth IRA vs unmatched 401K

At what rate do you expect your 401k distributions to be taxed? I never try to predict things that are too hard to predict. I certainly will try to fill the lower tax buckets and minimize anything in the higher buckets. Why won't you do both? Even if you cannot max them out. Well, doing at least so...
by markcoop
Mon Apr 30, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Roth IRA vs unmatched 401K
Replies: 14
Views: 694

Roth IRA vs unmatched 401K

I am 52 years old and in the new 22% tax bracket this year (25% last year). For now, I want to assume I plan to work till about 60 (no idea if true, but certainly makes this discussion more interesting). I have seen some advice around here that the order of contributions should be the following (lim...
by markcoop
Mon Apr 23, 2018 8:55 am
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3325

Re: Need to cut the cable cord - is there an alternative?

For me the biggest issue is sports. I'm ok seeing less sports, but I want what I see to look good. I have Sling, which gives me a 3 ESPN channels, TNT, TBS and maybe one more that has sports. It really is inferior. Still trying to decide what I want to do going forward.
by markcoop
Fri Apr 20, 2018 4:38 pm
Forum: Personal Consumer Issues
Topic: How much off MSRP should one expect?
Replies: 23
Views: 2217

Re: How much off MSRP should one expect?

So I just went to a couple of the sites listed above. I bought a car a couple of weeks ago. The sites allow you to specify your exact with options and your zip code. Either I got a great deal or those sites are not so accurate. The sites gives a range. My car cost over $1,000 less than the lower num...
by markcoop
Fri Apr 20, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39398

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I actually didn't buy a CRV this year because of this issue. Initially, it was my first choice. I wonder how much it has hurt sales in this country. I still don't have a strong feel as to how many vehicles really have this issue. My gut is this problem will get fixed and most Honda CRV owners will b...
by markcoop
Mon Apr 16, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: child starting college this fall - what do I need to know & do?
Replies: 16
Views: 1739

Re: child starting college this fall - what do I need to know & do?

Start with familiarizing yourself with the IRS information on possible tax benefits: https://www.irs.gov/newsroom/irs-reminds-parents-students-to-explore-education-resources-on-irsgov For me, the American Opportunity Tax Credit was the biggest thing to consider. For the first 4 years, I needed to n...
by markcoop
Mon Apr 16, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Exclude Emerging Markets
Replies: 30
Views: 3365

Re: Larry Swedroe: Don’t Exclude Emerging Markets

I believe I have read in the past that International Small Value May be an even better diversifier than EM because ISV is more dependent on each local economy. Agreed but how can you buy it? Morningstar Premium fund Screener criteria: (Fund Category = Foreign Small/Mid Value) and (Morningstar Ratin...
by markcoop
Fri Apr 13, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529--Can you change plan-holder?
Replies: 6
Views: 468

Re: 529--Can you change plan-holder?

There may be financial aid reasons not to transfer ownership to the beneficiary's parent. This gets a little confusing, but if you have no financial aid concerns, you can ignore the rest of this post. Assets in a 529 held by a parent count as a parent asset for all of the parent's children. Assets i...
by markcoop
Fri Apr 13, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on which asset classes should go into which investment vehicles
Replies: 26
Views: 1682

Re: Advice on which asset classes should go into which investment vehicles

And maybe people agree that a TIPS fund should not go in taxable. From what I understand, I think this really depends on what state you live in. State income tax has a large affect on where it makes sense to place TIPS. I believe there have been a few threads about this in the past. Maybe someone h...
by markcoop
Fri Apr 13, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on which asset classes should go into which investment vehicles
Replies: 26
Views: 1682

Re: Advice on which asset classes should go into which investment vehicles

And maybe people agree that a TIPS fund should not go in taxable. From what I understand, I think this really depends on what state you live in. State income tax has a large affect on where it makes sense to place TIPS. I believe there have been a few threads about this in the past. Maybe someone h...
by markcoop
Mon Apr 09, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow problems - best way to handle?
Replies: 134
Views: 8430

Re: Cash flow problems - best way to handle?

Looking at you 3 options you suggested: 1) 401K Loan - Not a fan. $175 is 3.5% of the loan, which seems like alot just for a setup fee. Also, hate the precedent of going into the 401K when money is needed. 2) Credit card - If you know you will have the money in a few months, certainly seems the chea...
by markcoop
Thu Apr 05, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

You don't have to talk the salesman out of the doc fee. The key is to not talk about the doc fee (or any dealer imposed fee) at all. Do not discuss them. Instead let the salesperson know that they can make the doc fee (or other BS fees) anything they want $100, 499, 700, or 10,000. It absolutely do...
by markcoop
Tue Apr 03, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13399

Re: 2018 Forester vs CRV vs RAV4

We are going to test drive the Outback, Mazda CX-5, and Nissan Rogue as well, as all 3 have rear AC vents. I just bought a Nissan Rogue yesterday. I also test drove the Toyota Rav 4, Honda CRV and the Mazda CX-5. My first choice, before the oil dilution issue, was the CRV. However, never really lov...
by markcoop
Tue Apr 03, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

Just thought I'd share the final result. Car came with 76 miles on it. I was able to find the other dealer (my dealer put the car on their website over the weekend and had the VIN number listed - with the VIN it was easy to find). The other dealer was 68 miles away. So sounds like the car had 8 mile...
by markcoop
Sun Apr 01, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

Why did you not search for the car you wanted in the color you wanted on your own, over the computer. You could have searched within 100 miles or 200 or whatever and done this all by yourself. Just go pick it up after you pick one out. I'm sure it will all turn out fine and there's nothing to worry...
by markcoop
Sat Mar 31, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

I once complained about the documentation fee. I said I did not want to pay it. The dealer said he could not remove it. However, he lowered the price by about half of the fee. Don't accept a "no" without arguing a little. So that was another interesting point I had. When I gave the salesperson the ...
by markcoop
Sat Mar 31, 2018 7:10 am
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

ok...I should probably add a few more details. I originally shopped for this car at a dealer (dealer #1) close to my house. They had one car on the lot with the exact options I wanted with 10 miles on the odometer and I was told I was the first to test drive it. However, I didn't prefer the color (o...
by markcoop
Fri Mar 30, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

They gave me a contract to sign that said it was non-refundable. I guess the idea is they are paying for the car to be moved. He also said they have never had a problem and have done this many times (I know I can't depend on that).
by markcoop
Fri Mar 30, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

I think what bothered me was they wouldn't tell me where the other dealer is. I asked if they could just take a picture of the odometer and they said no. Again, I have no reason to believe anything fishy is going on. Just didn't realize that's how they sometimes transport cars from other dealers.
by markcoop
Fri Mar 30, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

Re: New car from dealer may have close to 150 miles - ok?

Thanks for the replies. Not really concerned. Just was not familiar with the process. Of course, my $500 deposit is non-refundable.
by markcoop
Fri Mar 30, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 6283

New car from dealer may have close to 150 miles - ok?

I am buying a car from a dealer that does not have the exact car I want on the lot. He could get it. He says it currently has 25 miles on it, but it's close to 100 miles to drive it to the dealer. I have no way to confirm any of this as I don't know where he is getting the car from. Should I be conc...
by markcoop
Wed Mar 28, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: New 2019 RAV4 is now out - looks good
Replies: 34
Views: 2993

Re: New 2019 RAV4 is now out - looks good

Interesting how it has Apple Carplay and not Android Auto. My wife has an Apple and I have an Android. So, if I care about that, it may be a concern. Then again, not sure how important Apple Carplay and Android Auto are in cars. I have heard people say they would not buy a car without them. I am cur...
by markcoop
Sun Mar 25, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 762

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

So I went back to the dealer again and sat in the car without the leather seats and with the leather seats. I have a car with leather seats now and don't think it's such a big deal. Interestingly, the cost turned out to be identical once I added in the factory options - 2018 I'm looking at comes wit...
by markcoop
Sat Mar 24, 2018 10:33 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 762

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

You can generally go on the nissanusa web site and look at exact dealer stock. Maybe even look at the window sticker for anything they have (might see manufacturing date). You get odd things in dealer inventories some times. Maybe one dealer got a special deal from the manufacturer to take some slo...
by markcoop
Fri Mar 23, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 762

Re: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

Thanks for the replies. The main difference is the leather seating. Most of the standard items in the 2017 SL are included in the optional packages I'm looking at in the 2018 SV. The only other difference, as far as I can tell, are some safety features (lane departure, adaptive cruise control) that ...
by markcoop
Fri Mar 23, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package
Replies: 7
Views: 762

Deciding on Nissan Rogue: 2017 SL vs 2018 SV with sun/sound package

Now that I decided to move on from getting a Honda CRV, I have decided that I want a Nissan Rogue. I have also looked at the Toyota Rav 4 and Mazda CX-5. I also looked at leasing an Acura RDX, but opted against that as well. At this point I am leaning toward the Nissan because it offered the most fo...
by markcoop
Thu Mar 22, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 278
Views: 39398

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

So I was looking at buying the CRV this month. I asked the dealer about it and they said they had not heard of the problem. I forwarded him some info about it last Saturday. He told me he would look into it - talk to their technicians and do some research. I told him this was a deal breaker for me. ...
by markcoop
Thu Mar 22, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2538

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Deciding between these 3 payment options to buy new car: 1) Pay full amount - get $750 discount 2) 0% 36 months - no discount 3) 0.9% 60 months - no discount Assuming I can afford either option, which do you think is best? I believe the answer lies in what interest rate I can get for the money I am...
by markcoop
Wed Mar 21, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2538

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Thanks all. I think there were a number of interesting responses. I posed the question taking nothing else into account (the best way to initially work on a problem), but of course, as one poster mentioned, you have to take everything into consideration. Some comments: 1) I don't think the correct c...
by markcoop
Wed Mar 21, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2538

Re: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

How much is the car? Answer may be different for $10k vs $75k. 750/10k = 7.5%, 750/75k = 1%, 750/24k = 3% For most balances, 0% for 36 months is likely the best answer. Also, 0.9% x 5 years / 2 = 2.25% (total interest over linear estimate average balance). Around $30,000. Not sure I understand what...
by markcoop
Wed Mar 21, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months
Replies: 35
Views: 2538

Math question to buy new car: pay full, 0% 36 months, 0.9% 60 months

Deciding between these 3 payment options to buy new car: 1) Pay full amount - get $750 discount 2) 0% 36 months - no discount 3) 0.9% 60 months - no discount Assuming I can afford either option, which do you think is best? I believe the answer lies in what interest rate I can get for the money I am ...
by markcoop
Mon Mar 19, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13399

Re: 2018 Forester vs CRV vs RAV4

I guess it is not that I specifically agree with CR methodology. I just don’t know of a better unbiased reference and do want to limit my search somehow (e.g., since CR ranks Mazda CX-5 #5 should we also test drive Nissan Rogue which is ranked #4?). I haven't heard much here about the Nissan Rogue,...
by markcoop
Mon Mar 19, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 130
Views: 13399

Re: 2018 Forester vs CRV vs RAV4

I guess it is not that I specifically agree with CR methodology. I just don’t know of a better unbiased reference and do want to limit my search somehow (e.g., since CR ranks Mazda CX-5 #5 should we also test drive Nissan Rogue which is ranked #4?). I haven't heard much here about the Nissan Rogue,...
by markcoop
Fri Mar 16, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Never leased a car...good deal? How to tell?
Replies: 3
Views: 671

Never leased a car...good deal? How to tell?

I had originally posted this in another thread, but thought it might be better to give it it's own thread. Considering leasing a car instead on buying a CRV given all the oil dilution conversation. FYI, Step Up To An Acura RDX: $318/Month, $0 Down Lease MARCH 10, 2018 We wouldn't be surprised if the...
by markcoop
Thu Mar 15, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

At this point not sure what to do. I was leaning toward buying the CRV. I certainly could wait a month or two but would prefer to have another car by that point. Is there any reason to believe this issue will be resolved soon? I am aware of the other thread on this issue and did look at some other l...
by markcoop
Wed Mar 14, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Alot of interesting info to digest. Another option I was looking at, if I go the CRV route, is to buy a new 2017 to save a few bucks. I see the two dealerships close to me have some in stock. From what I understand, the 2017 and 2018 are very similar cars. Anyone have th...
by markcoop
Tue Mar 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Alot of interesting info to digest. Another option I was looking at, if I go the CRV route, is to buy a new 2017 to save a few bucks. I see the two dealerships close to me have some in stock. From what I understand, the 2017 and 2018 are very similar cars. Anyone have tho...
by markcoop
Tue Mar 13, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

Over the weekend looked at 3 cars: Honda CRV, Toyota Rav 4, Mazda CX5. For the price, I decided the Honda CRV was the best car for me Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. Th...
by markcoop
Mon Mar 12, 2018 10:46 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

Thanks for all the replies. Some points: 1) I think I'm going to keep the Odyssey to have as a third car. I will use it when the kids are home. Will use it for bikes. I actually fit 2 10.5 kayaks in it. Just for that I want to keep it. Honda offered me $1,800 for it - 2007 with 160K on it. Body has ...
by markcoop
Mon Mar 12, 2018 10:30 pm
Forum: Personal Consumer Issues
Topic: Need help on car decision: Honda CRV vs luxury car used
Replies: 62
Views: 4532

Re: Need help on car decision: Honda CRV vs luxury car used

Over the weekend looked at 3 cars: Honda CRV, Toyota Rav 4, Mazda CX5. For the price, I decided the Honda CRV was the best car for me Can you explain this? I have been watching a lot of car reviews, and they all come to the conclusion that the Mazda is next-level, way above the Honda and Toyota. Th...