Search found 114 matches

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: 3878

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: 4141

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: 8838

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: 6307

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: 8838

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: 3277

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: 4466

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: 5795

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: 1762

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: 1762

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: 1762

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: 5795

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: 41
Views: 5034

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: 105
Views: 7525

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: 2494

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: 4480

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: 8838

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: 3514

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: 2082

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: 3131

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: 3991

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: 9875

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: 97
Views: 16033

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: 10045

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: 1570

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: 1484

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: 5034

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: 3800

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: 8904

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: 6914

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: 3880

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: 12296

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: 1722

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: 1636

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: 12984

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: 1781

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: 3369

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: 17651

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: 1351

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: 6365

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: 1123

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: 1123

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: 1123

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: 1123

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: 9642

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: 16942

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: 476

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: 476

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: 1360

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: 59102

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.