Search found 129 matches

by ragabnh
Fri Feb 23, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 15
Views: 2141

Re: Capital One 360 Money Market now at 1.5%

Synchrony Bank High yield Saving Account is at 1.55%
by ragabnh
Tue Jan 30, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 450
Views: 35608

Re: What frugal thing did you do today?

I was very hungry this evening so I ate my 10 year old Sandals, :oops:
by ragabnh
Mon Jan 29, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 1099-B
Replies: 15
Views: 1131

Re: 2017 1099-B

received 1099-R online at Vanguard website for TIRA account but not 1099-B for the brokerage account.
by ragabnh
Sat Jan 20, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 4980

Re: Considering a LG 55" OLED TV

I have so many remotes on the table, I get confused all the time. :confused
One tor TV
Second for Receiver
One for DVD
One for VCR
One for Cassette
One for Roku
Another one which I am not sure :annoyed

So :confused
by ragabnh
Tue Jan 16, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1242

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175. Thanks for commenting. You'd think a high end dealer would go out of their way to help far more than mainstream ones. Did you h...
by ragabnh
Sun Jan 14, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20135

Re: Anyone disenchanted with retirement?

It has been fine with the exception of continuous fights and arguments with my working wife. :annoyed
by ragabnh
Sun Jan 14, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 1242

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175.
by ragabnh
Wed Dec 27, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11269

Re: Another should i buy my dream porsche thread...

By all means go for it, you are 10 years ahead of me at the time on your savings and retirement I am 62 with net worth around 3 millions, I always loved Porsche and dreamed owning one, but retirement was always on my mind and I did retire at age 59. Now I can afford paying cash for the car I always ...
by ragabnh
Thu Nov 23, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1066
Views: 260814

Re: Best watch for around $5,000?

I received as a gift a good looking RADO DiaStar watch valued at $500, it is automatic movement and Swiss made. I think it is a good value for this type of watch and I had for 4 years so far. Always bought Seiko or Casio watches, and had another gift watch in 1988 and it was Baume Et Mercier Quartz ...
by ragabnh
Thu Nov 23, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 2777

Re: Honda CR-V vs Subaru Outback

Brother in Law has a 05 Rav 4 with 220k and he swears by it, but he maintains the car by the book. Toyota in general are quieter and more comfortable cars, but it is not fun to drive, CX-5 is a driver car and the most aesthetically pleasing choice.
by ragabnh
Mon Nov 20, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6530

Re: Drive it till it dies. It died.

Honda and Acura have had their share of transmission problems, I would go with Lexus/Toyota.
by ragabnh
Mon Nov 20, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 1833

Re: What brand of used car - Hyundai vs Nissan?

Nissan is twice the car Hyundai is, too many complains about Hyundai warranty.
by ragabnh
Sun Oct 15, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 8341

Re: What are you driving? And would you buy your current ride again?

The best of the best 2013 Lexus LX 570, the perfect SUV. Would buy again in heart beat. :happy
by ragabnh
Sun Oct 15, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 6074

Re: 2018 Honda Accord

Why does the Accord crowd always aim at the Camry and try to put it down, both cars are great and selling very well for their respective companies.
I owned both brands and I would say that Toyota holds better in the very long run 10 years +
by ragabnh
Tue Oct 03, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Certified CR-V or RAV-4
Replies: 11
Views: 1144

Re: Certified CR-V or RAV-4

Engine and Transmission, probably equal and I would give a little edge to Toyota,

if you intend to keep the car long term say 10 years, definitely Toyota ages more gracefully.

Both are good choice and I second check Mazda CX5 great CUV
by ragabnh
Sat Aug 05, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 4683

Re: To buy or not to buy... [a new car]

A car with 212k is already expired and is on life support, I would do the deal.
by ragabnh
Sat Aug 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 5149

Re: Help me pick a car

In no particular order

Toyota Camry,
Honda Accord,
Nissan Altima,
Mazda 6
by ragabnh
Tue Jul 25, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 9884

Re: Murphy's Law Of Retirement

FIREchief wrote:
ragabnh wrote: Invest conservatively in income yielding funds that beat inflation, typically low yield.
What is this?
"Annuities (SPA), treasuries and other conservative investments (CD's)." Did you get it now?
by ragabnh
Mon Jul 24, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 7242

Re: Most Americans don't trust financial advisers

How about Vanguard Advisers that work for 0.03% fee, are they different than the salesman, I just talked to one and he is preparing investment plan and once ready he needs 45 minutes to explain to me. Anyone with experience with Vanguard advisers or work with them at this time, I appreciate the input.
by ragabnh
Mon Jul 24, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 9884

Re: Murphy's Law Of Retirement

Early retirees should consider liquidating their positions if they won the game, there is no point in being greedy and the markets are at all time high at this time. And do what with it? The market is often at all time highs when looking backwards. Whether it is a peak can only be known after the f...
by ragabnh
Wed Jul 19, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 8073

Re: Road noise in 2017 Honda CRV?

Toyota trumps Honda when it comes to quietness in a car, I would consider Rav4 or better yet Highlander.
by ragabnh
Fri Jul 14, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 5088

Re: Coyote control

I defecated around the backyard which expelled all wild and civilized life and I have new friends, lots of flies. :D
by ragabnh
Thu Jun 08, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 7090

Re: Used 2013 Audi A5 or New Honda Accord Sport

I apologize to the Honda guys, I guess I hit a sensitive nerve. All Honda lineup is boring except the eighties CRX, NSX and S2000. Toyota is boring but is more robust and reliable car than Honda.
by ragabnh
Thu Jun 08, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 2580

Re: E*Trade Account Closure fees

My other Etrade account is brokerage and I have 140k of equities. I want to consolidate at Vanguard as most of my retirement accounts/investment are there. I guess I will be hit with another $75 transfer fee.
by ragabnh
Thu Jun 08, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 2580

Re: E*Trade Account Closure fees

I saw $40 in my closed account at Etrade, I called and asked why didn't they close the account, they said that there might be some money coming in the future and once this happens money will be transferred and account closed, I hope the money they are expecting will be enough to cover another $75 tr...
by ragabnh
Tue Jun 06, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 2580

E*Trade Account Closure fees

I transferred my Roth IRA from E*Trade to Vanguard, after completion of the transfer and downloading transactions into quicken I noticed account closure fees of $75.00 by E*Trade, it seems it is well hidden on their website because since I did not see it listed and was not notified of such fee. I th...
by ragabnh
Tue Jun 06, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 7090

Re: Used 2013 Audi A5 or New Honda Accord Sport

The Audi is much superior vehicle when compared to an Accord, true less reliable however the price difference will compensate for that and you may buy extended warranty with portion of the money. The Accord is the most boring vehicle on the plant and everyone owns one, Audi's are more exclusive vehi...
by ragabnh
Mon Jun 05, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 40
Views: 6116

Re: Lufthansa Premium Economy

British Airways premium economy are great, seats recline further, definitely more space and seat width. Better food and service overall. In my opinion worth the extra money, will never fly overseas again in economy.
by ragabnh
Mon Jun 05, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 17926

Re: Flying first class, business, versus economy.

I just flew from Vegas to London on premium economy on British Airways, much better than economy where I suffer a lot. I am 6'1" and I need all the room I can get.
by ragabnh
Sat Jun 03, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 3079

Re: Thoughts on emergency account amount.

I am in early retirement so my cash fund is 2 years of expenses to ride stock market downs, but that is specific to my case, when I was working I had one year worth of expenses stashed in saving account.
by ragabnh
Sat Jun 03, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: I hit my first $100k today in my 401k!!
Replies: 34
Views: 4992

Re: I hit my first $100k today in my 401k!!

Congrats, it took forever to reach $100,000 milestone but things accelerate after that hopefully you hit the seven figure mark in the next 15 years.
by ragabnh
Sat Jun 03, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 9884

Re: Murphy's Law Of Retirement

Early retirees should consider liquidating their positions if they won the game, there is no point in being greedy and the markets are at all time high at this time.
by ragabnh
Fri Jun 02, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 4177

Re: Umbrella Insurance options

Two houses here one is rental, two cars and a Harley with AAA. 2 million umbrella cost is about $360 per year.

There is a requirement for minimum liability on houses and autos before you can buy umbrella. And it is multiples of state minimum.
by ragabnh
Fri May 05, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 2369

Re: Would you exchange a 2001 4Runner for a 2007 Santa Fe?

Of course not, 4Runner is by far superior vehicle in every aspect. I would definitely keep it.
by ragabnh
Fri May 05, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 3728

Re: Honda vs. Mazda vs. Ford

Sporty , fun to drive and beautiful car I would say Mazda, More comfortable, better resale value and it is Honda. It does not matter if it is Mazda 3 or 6 or Honda Civic or Accord all are the same reliability but size differs based on your needs. I drove Mazda 6 two years ago and thought it drives l...
by ragabnh
Sun Apr 23, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 4541

Re: Car Choices

Mazda 6 is a well rounded car that can do a lot of things well, such as :
Good Saftey
Great gas mileage for its class
Fun to drive
Looks
Reliability
Value

It may not be as reliable as the Camry but certainly up there, more fun to drive than the accord and better fit and finish than the two.
by ragabnh
Sat Apr 08, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 11205

Re: Buying expensive car, how to keep payments low?

I was looking at the same car to buy, after reading this thread I will buy 1997 Civic with 110k miles for $1200. :confused
by ragabnh
Tue Apr 04, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 18959

Re: Comfortable Vehicle Front Seats

After owning and driving 30 cars in my lifetime, The Lexus LX570 has the best seats by far, but the car is very expensive at 90k.
by ragabnh
Sat Apr 01, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 11110

Re: What career helped you become wealthy?

Civil/Structure Engineer, and as it was mentioned saving and investing all the way, 401k maximizing contributions, living below your means.
by ragabnh
Sat Apr 01, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 1761

Re: At what age were your kids potty trained?

My son was trained by 24 months with rare accidents, my wife did a good job in that respect. He also started walking at 9 months old.
by ragabnh
Sat Apr 01, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Garage Door Opener issues.
Replies: 10
Views: 1654

Re: Garage Door Opener issues.

I just purchased Liftmaster from Home Depot 3/4 hp for $185 and Scheduled the installation also by Home Depot contractor for $85. The installation took less than one hour and I have two remote controls and Keypad outside the garage programmed and works perfectly. I did the programming on our two car...
by ragabnh
Mon Mar 27, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Honda
Replies: 58
Views: 5810

Re: Toyota vs. Honda

I also owned both brands, Toyota is more reliable for sure but not by much, however the most important thing is that Toyota after several years of ownership and over hundred thousand of miles the car stay in one piece as far as body feeling rigid, not so with Honda or other cars, things starts to lo...
by ragabnh
Fri Mar 24, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 5750

Re: thoughts on in-ceiling speakers?

I installed in our family room ceiling 2 front speakers and two rear surround speakers, I have the center speaker on shelf on top of TV and Sub-woofer on the floor behind a table. I used Polk Audio ceiling speakers and I did not save there to get the best sound quality possible. The system sounds gr...
by ragabnh
Thu Mar 23, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: Used German Luxury vs New Japanese
Replies: 89
Views: 11031

Re: Used German Luxury vs New Japanese

Owned various types of cars and when it comes to reliability they are rated as follows (TOP IS SUPERIOR) 1990 Lexus LS400, 79 Mercedes 280 S, 2013 Lexus LX 570, 2014 Lexus LX 460 2002 Lexus LS 430 79 Toyota Supra 76 Toyota Corola 2008 FJ Cruiser Toyota 93 Toyota Previa 84 Honda CRX 77 Toyota Celica ...
by ragabnh
Mon Mar 20, 2017 12:25 am
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10229

Re: A SUV for towing a Travel Trailer

I would second the Toyota 4runner for towing, it is very reliable and dependable car and is very capable off road vehicle is a plus.
by ragabnh
Sat Mar 04, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Brokerage
Replies: 28
Views: 4625

Re: Wells Fargo Brokerage

I have bank accounts and brokerage accounts with 100 free trade, they are better than Vanguard and Etrade (which I also have) in many respects.
by ragabnh
Sun Feb 26, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 113
Views: 14318

Re: How Much Cash Do You Actually Hold?

Cash is checking and saving accounts is over 200k, around 15% of investments. I am retired and the only income I have is from paid off rental property and investments dividend and interest from cash accounts. Son is junior in college and have a mortgage on current residence.
by ragabnh
Mon Feb 13, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: Costco refill HP color inkjet cartridges?
Replies: 19
Views: 2227

Re: Costco refill HP color inkjet cartridges?

Try amazon for buying ink, much cheaper than OEM and even cheaper than Costco Refill and the chip is set. I have tried both Costco and Amazon, certainly Amazon wins hands down.
by ragabnh
Mon Jan 30, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Civil/Struct Engineers. Public Vs. Private Employment
Replies: 21
Views: 2992

Re: Civil/Struct Engineers. Public Vs. Private Employment

I am a structural bridge engineer with 35 years experience exclusively in the private sector and never worked for any government agency. I have also 4 years construction experience with a contractor early in my career. I have retired at age 58 couple years ago and my thoughts are as follows: - I was...
by ragabnh
Sun Jan 01, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 14128

Re: At what age, income, and NW would you buy a $50k car?

I am 60 and retired, bought last year used low mileage 2013 Lexus LX570 SUV for $58,000, add other $4000 for tax and registration (traded my old car). I love the car and enjoy driving it a lot, Lexus is the most reliable car money can buy. I would say definitely go for it, you have the income and NW.