Search found 94 matches

by ragabnh
Sun Apr 23, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3423

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: 8548

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: 90
Views: 14079

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: 8617

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: 1351

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: 1290

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: 4453

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: 2992

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: 7726

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: 4760

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: 3577

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: 110
Views: 11220

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: 1462

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: 1285

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: 12099

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.
by ragabnh
Sun Jan 01, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Las Vegas Areas and Real Estate
Replies: 12
Views: 1652

Re: Las Vegas Areas and Real Estate

Ok, I live in Las Vegas Metropolitan area (20 years), I would definitely say Henderson and to be more specific Anthem and Seven Hills area, zip codes 89052 and 89044. It is closer to the airport (25 minutes) and Las Vegas Strip (25 minutes) and on the same side of town. Very safe and lots of easy ac...
by ragabnh
Sun Jan 17, 2016 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Any here invested in individual stocks?
Replies: 36
Views: 3231

Re: Any here invested in individual stocks?

I have around 120K in Large Cap well known Companies in taxable brokerage account, all dividend paying, they were accumulated through out the years and never sold during ups and downs. I am 59 years old retired and they generate income which I will start tapping in the coming years. I would consider...
by ragabnh
Wed Jul 01, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Sychrony Bank - warning
Replies: 29
Views: 15914

Re: Sychrony Bank - warning

I use Google Chrome and it is working fine. I agree their website is not the best.
by ragabnh
Wed Jul 01, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Capital one bonus offer
Replies: 4
Views: 1321

Re: Capital one bonus offer

I did with there saving account $50,000. The annual rate is 0.75% and you get $500 after 4 month of maintaining the balance. I think it is a good deal.
by ragabnh
Sun Jun 28, 2015 8:51 pm
Forum: Personal Consumer Issues
Topic: 2014 Lexus ES350
Replies: 37
Views: 5795

Re: 2014 Lexus ES350

From my personal experience, the body integrity of Lexus/Toyota cars is superior to that of Acura/Honda, look at older models and you will notice the difference in how the car holds itself. Reliability for both brands is the same, but fit and finish of lexus is far superior to that of Acura and Toyo...
by ragabnh
Wed May 27, 2015 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 1043

Re: EE/I Bonds purchase question

Thanks Grt2boutdoors and Artsdoctor for your posts,

My tax bracket for 2014 was 20%, but I was working back then,

I was considering saving account online with Synchrony at 1.04%, may be I should do that now.
by ragabnh
Wed May 27, 2015 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 1043

Re: EE/I Bonds purchase question

Thanks Cruncher for your input, the money is not emergency fund, I already has one with one year expenses covered. It is a money I received as a gift from my mother and I am currently just retired at age 58 and have no immediate use for this money, also I have around 250k in saving account at WF ear...
by ragabnh
Tue May 26, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 1043

Re: EE/I Bonds purchase question

I will take your advice, thanks for your input SuperNova.
by ragabnh
Tue May 26, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bonds purchase question
Replies: 9
Views: 1043

EE/I Bonds purchase question

Is it a good time to buy Treasury Bonds Series EE and I Bonds, or should I wait till September after the Fed Meeting with regards to Interest rate possible hike?

I have $20,000 to invest for the long run.

Thanks for the help.
by ragabnh
Sat May 23, 2015 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 9460

Re: please confirm: early retirement

i have retired at age 58 a month ago, very similar savings to yours invested in the market tax and tax advantage basis, but my wife still works earning 70k annually. I believe you can do it provided that you control your expenses.
by ragabnh
Mon Apr 27, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 99
Views: 15405

Re: “Entry level” luxury cars under 40k

Bought 2013 328 XDrive fall 2014, it was a left over and had 800 miles on the odometer, this one is optioned with cold weather and lighting packages and has the navigation package. MSRP was $47000 got it for $35500. Fantastic car, so much fun to drive and is plenty powerful, with 2 liter biturbo and...
by ragabnh
Tue Feb 24, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my IRA's Contribution
Replies: 3
Views: 458

Re: I need help with my IRA's Contribution

Thanks Kaneohe for your response,

The way I understand your post is to open another TIRA account and role over the money that I withdrew from my current TIRA account into it,

Then characterize within 60 days and roll over to Roth, is that correct?
by ragabnh
Tue Feb 24, 2015 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with my IRA's Contribution
Replies: 3
Views: 458

I need help with my IRA's Contribution

Hello, I hope I am not repeating a similar topic as I am confused reading all similar situations and doing my taxes at this time, My situation is as follows: - contributed to TIRA in early 2014 for the same tax year, amount $6,500 over age 50 - Due to change in my employment I am no longer eligible ...
by ragabnh
Mon Feb 02, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Holding money for a year
Replies: 14
Views: 1339

Re: Holding money for a year

Is there an equivalent Vanguard ETF for the same?
by ragabnh
Sat Apr 05, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 299
Views: 56307

Re: What age did you reach 100K networth?

I was late to the party, at age 40 I owed around $20,000, by the age of 50 I hit $100,000, currently at 58 more than 10 times as much without considering my house.
by ragabnh
Sat Jan 25, 2014 10:42 am
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 197
Views: 17067

Re: What's your dream car?

2014 Porsche Cayman S :happy is the car I want and will buy, once I am back to the US.
by ragabnh
Sat Oct 26, 2013 9:13 am
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 29077

Re: 2013/2014 Honda accord - any better values?

Nothing ages like a Toyota, and that is beside reliability and quietness.

For the above 3, certainly vote for Camry.
by ragabnh
Thu Oct 10, 2013 6:36 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 11912

Re: How did you/your child pay for college?

I am from Nevada and my son wants to go to California School, UC Davis, tuition, room and board and other expenses is around $52,000 annually, so for a 4 year degree I will be paying $208,000, oouch.
by ragabnh
Thu Oct 10, 2013 6:07 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 11912

Re: How did you/your child pay for college?

livesoft wrote:I know quite a lot of engineers that don't know their way around a tool box. A practical job would go a long way to solving that problem.


Sure then I will ask him to work as frier boy in the neigbourhood Taco Bell so he is well prepared to design cable stay bridges,
by ragabnh
Thu Oct 10, 2013 5:57 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 11912

Re: How did you/your child pay for college?

My father paid my full college expenses, and I will be doing the same for my son. I want him to concentrate on his schooling without worrying about working to pay for it. You know, it's funny... Of the knowledge and wisdom I apply on a day-to-day basis in my job, I'd say that at as much of was gain...
by ragabnh
Wed Oct 09, 2013 9:04 am
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 11912

Re: How did you/your child pay for college?

My father paid my full college expenses, and I will be doing the same for my son.

I want him to concentrate on his schooling without worrying about working to pay for it.
by ragabnh
Wed Oct 09, 2013 9:02 am
Forum: Personal Consumer Issues
Topic: Son's first car
Replies: 50
Views: 5145

Re: Son's first car

I have 07 FJcruiser, I will give it to my son who will be going to college next summer,
by ragabnh
Mon Sep 30, 2013 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 9426

Re: Poll: $ monthly contribution to 529/college savings

I started when my son was 5 years old, currently he is Sixteen, I started contributing $150 per month and I increased steadily through the years to the current $1000. We have around $70,000 in New Mexico plan while we live in Nevada and we do not have any state tax benifits for maintaining such plan...
by ragabnh
Mon Sep 30, 2013 6:47 am
Forum: Personal Finance (Not Investing)
Topic: New to HSA, is it a good fit?
Replies: 24
Views: 2577

Re: New to HSA, is it a good fit?

I have no health insurance in the US, but I have HSA with some money (ex-employer plan), currently I work oversease, however can I still use the money in the US (when I visit) for medical expenses even though I do not have any health insurance (health insurance only valid overseas)
by ragabnh
Thu Sep 12, 2013 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2736

Re: Early retirees - did you pay off your house?

House paid off October of last year, will retire next year August at age 58, renting the house currently, as I work overseas at this time, once I am back I will buy a new house for cash and keep the rental property for generating money during retirement.
by ragabnh
Sat Sep 07, 2013 11:18 pm
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 9614

Re: Rental real estate post - what's the catch?

Ok, the house is currently worth around $230,000, at the height of the markedt 07 it was worth $430,000 and $170,000 at market lows early 2012, I did not buy the house to invest, I wanted a place to live without paying rent, my mortgage payment was $1500. The house was paid off in 16 years, I only p...
by ragabnh
Sat Sep 07, 2013 10:51 am
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 9614

Re: Rental real estate post - what's the catch?

I am not a real estate investor, but I will present real case scenario, I bought a house in 1996 paid $200,000 including upgrades, I had to leave the US to work overseas 2008, so I used property management company to rent it. The house was paid off November 2012, currently I clear $1100 in rent afte...
by ragabnh
Sat Feb 09, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 27839

Re: What % of your income are you saving for retirement?

Age 56 save around 67% of Gross, will retire in 1.5 years at almost 58.
by ragabnh
Sat Feb 02, 2013 6:34 am
Forum: Personal Consumer Issues
Topic: I Wrecked The Rental Car
Replies: 28
Views: 7106

Re: I Wrecked The Rental Car

Can't you buy collision and liability insurance at other places rather than the rental agency, may be that way you can get a better deal.
by ragabnh
Fri Feb 01, 2013 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Expats: E-Filing of Tax Returns with Foreign Address?
Replies: 33
Views: 5827

Re: Expats: E-Filing of Tax Returns with Foreign Address?

I work abroad, and for the past two years I efiled using Turbotax and my estimated taxes were withdrawn from my US bank account.
by ragabnh
Sat Jan 19, 2013 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Percent Of Net Worth In The Market?
Replies: 24
Views: 2125

Re: Percent Of Net Worth In The Market?

15% of net worth is in a paid off home,
25% is in cash
60% is in stock and bonds in ratios 60% and 40% respectively,
Two more years before retiring.
by ragabnh
Sat Jan 05, 2013 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 926

Re: Roth IRA contribution Question

Thanks Alan, your response is well appreciated, The traditional IRA contribution is tax deductable so I prefer to keep as is, in this case the only option I have is to withdraw my contribution of Roth IRA and pay taxes on gains, but I am not sure if the 6% penalty applies, since the contribution was...
by ragabnh
Fri Jan 04, 2013 1:56 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA contribution Question
Replies: 4
Views: 926

Roth IRA contribution Question

I have contributed by mistake to my Roth IRA $6000 early 2012, in the same time I have contributed the same amount to a traditional IRA, My question is : Can I apply my Roth 2012 contribution to 2013, if yes, how would I do that. My account is with Etrade for the Roth IRA. I appreciate any help or a...
by ragabnh
Tue Dec 18, 2012 9:15 am
Forum: Personal Consumer Issues
Topic: What kind of car are you driving?
Replies: 368
Views: 34323

Re: What kind of car are you driving?

2007 FJ cruiser with 37000 miles, bought from Irish Expat,

2010 Toyota Prado 20,000 Kilometers, bought new,

We live currently overseas and both cars were great so far,
by ragabnh
Sat Oct 13, 2012 11:36 am
Forum: Personal Consumer Issues
Topic: Average Age of Bogleheads Posters
Replies: 77
Views: 7591

Re: Average Age of Bogleheads Posters

I am 55 years and should be 56 in couple of months,

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