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ragabnh

Does the percentage used for Vanguard fees decrease for larger portfolios? Is it 0.30% regardless of the portfolio size? The fees are stepped: < 5 million is 0.30% per quarter. >= 5 & < 10 million is 0.20% per quarter Not sure of the rates beyond 10M Fees are not per quarter but are annual.

ragabnh

Synchrony Bank High yield Saving Account is at 1.55%

ragabnh

I was very hungry this evening so I ate my 10 year old Sandals,

ragabnh

received 1099-R online at Vanguard website for TIRA account but not 1099-B for the brokerage account.

ragabnh

I have so many remotes on the table, I get confused all the time.

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

So

ragabnh

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...

ragabnh

It has been fine with the exception of continuous fights and arguments with my working wife.

ragabnh

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.

ragabnh

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 ...

ragabnh

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 ...

ragabnh

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.

ragabnh

Honda and Acura have had their share of transmission problems, I would go with Lexus/Toyota.

ragabnh

Nissan is twice the car Hyundai is, too many complains about Hyundai warranty.

ragabnh

The best of the best 2013 Lexus LX 570, the perfect SUV. Would buy again in heart beat.

ragabnh

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 +

ragabnh

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

ragabnh

A car with 212k is already expired and is on life support, I would do the deal.

ragabnh

In no particular order

Toyota Camry,
Honda Accord,
Nissan Altima,
Mazda 6

ragabnh

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?

ragabnh

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.

ragabnh

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...

ragabnh

Toyota trumps Honda when it comes to quietness in a car, I would consider Rav4 or better yet Highlander.

ragabnh

I defecated around the backyard which expelled all wild and civilized life and I have new friends, lots of flies.

ragabnh

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.

ragabnh

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.

ragabnh

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...

ragabnh

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...

ragabnh

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...

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

Of course not, 4Runner is by far superior vehicle in every aspect. I would definitely keep it.

ragabnh

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...

ragabnh

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.

ragabnh

I was looking at the same car to buy, after reading this thread I will buy 1997 Civic with 110k miles for $1200.

ragabnh

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.

ragabnh

Civil/Structure Engineer, and as it was mentioned saving and investing all the way, 401k maximizing contributions, living below your means.

ragabnh

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.

ragabnh

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...

ragabnh

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...

ragabnh

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...

ragabnh

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 ...

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

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.

ragabnh

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...

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