Search found 98 matches

by schutzk21
Tue Nov 21, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 9
Views: 584

Re: 401(k) allocation for wife- Please help

Can someone please help with my post above? My wife want to make a decision tomorrow on the funds she should select for her 401k. It would also be much appreciated if I can get some advice on how I should invest with the other accounts i mentioned. Thanks so much for all of your help!
by schutzk21
Mon Nov 20, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 9
Views: 584

Re: 401(k) allocation for wife- Please help

Please see my edit with the answers to the questions you asked. Thanks again!
by schutzk21
Mon Nov 20, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 9
Views: 584

Re: 401(k) allocation for wife- Please help

I have edited my post with all of the questions asked. I apologize if I am doing this incorrectly by adding another post.
by schutzk21
Sun Nov 19, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) allocation for wife- Please help
Replies: 9
Views: 584

401(k) allocation for wife- Please help

Hello Everyone, EDIT: See question I have answered at the bottom of my post. My wife got a new job and now has the opportunity to contribute to her 401k. She is 29 years old and we need help with how we should allocate her funds. She will be contributing 5%, as this is up to the employer's match. Pl...
by schutzk21
Mon Nov 06, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Projector Setup in Basement
Replies: 24
Views: 1422

Re: Projector Setup in Basement

Thank you all for the helpful responses! Definitely some great advice here. We decided we want to do the projector, but might start with a cheaper one as our budget isn't very big. Can anyone recommend a nice projector at around $450-500? I measured the throw distance we would probably be at and i w...
by schutzk21
Sat Nov 04, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing from 30 year to 15 year
Replies: 7
Views: 875

Re: Refinancing from 30 year to 15 year

I read the rules for my mortgage company in regards to when I can remove the PMI. I believe (I have to double check) that if I am in the first 5 years of paying the mortgage, then I need an LTV% of 75%.
by schutzk21
Sat Nov 04, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing from 30 year to 15 year
Replies: 7
Views: 875

Refinancing from 30 year to 15 year

Hi All, We owe about 153,000 on our home and have had the house since 2014. The mortgage was at $167,000 when we first purchased the home. It looks like the value is about $205,000 given the sales in the area. We owe PMI and we need to have 25% of equity in the home in order to get rid of it. By usi...
by schutzk21
Sat Nov 04, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Projector Setup in Basement
Replies: 24
Views: 1422

Re: Projector Setup in Basement

I just feel like I can find a nice projector around $400-$500 and cast it to the white wall. This is how my cousin has his set up and it looks good. Wouldn't an OLED screen cost me a ton more?
by schutzk21
Sat Nov 04, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Projector Setup in Basement
Replies: 24
Views: 1422

Projector Setup in Basement

Hi All, My wife and I want to treat each other to a projector setup in the basement for this Christmas. Does anyone have a set up like this? What brands do you recommend? What other cables/accessories will I need to have the optimal setup? We will likely have seating about 8-10 feet from where we wi...
by schutzk21
Mon Aug 14, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1399

Re: Car Rental on Current Car Insurance Policy?

What I am trying to say is....do you pay monthly on your car insurance for rental car coverage if you get in an accident?
by schutzk21
Mon Aug 14, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Car Rental on Current Car Insurance Policy?
Replies: 16
Views: 1399

Car Rental on Current Car Insurance Policy?

Hello everyone,

My wife and I are trying to cut costs wherever possible. I just have a simple question: Do you pay for rental coverage on your car insurance policy? Why or why not? Thanks for your responses!

-schutzk21
by schutzk21
Wed Jul 26, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Roth IRA
Replies: 1
Views: 243

Help with Vanguard Roth IRA

Hi Everyone, I just opened a ROTH IRA for my wife on Vanguard and I had a question. It asked us how much we want to contribute right now, and I just put $30. I was thinking this about was going to be put in the Federal Money Market (Settlement Fund). It is showing that the $30 is not in any account ...
by schutzk21
Wed Jul 05, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a new home
Replies: 5
Views: 548

Buying a new home

Hi everyone, My wife and I purchased a home 3 years ago and we are now seriously considering selling and buying a new one since we will be starting a family. I had a few questions regarding my situation. We currently owe $156K on the current house. With all the comps in the area, we believe we can s...
by schutzk21
Wed May 17, 2017 7:12 pm
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 2130

should I tip repairman for TV?

I have a person with Squaretrade at my house right now fixing my TV. I have the warranty with squaretrade and I am wondering if it is proper to tip the repairman fixing it for coming out. If so, how much is sufficient?
by schutzk21
Thu May 04, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Two night trip
Replies: 9
Views: 1006

Two night trip

Hello everyone. My wife and I would like to celebrate our two year wedding anniversary with a little getaway. We would go somewhere for two nights. We are looking to drive a max 2.5 hour each way to wherever we go. We live in the Chicagoland suburbs. We really want to find a nice town where we can r...
by schutzk21
Sat Apr 15, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 7591

Re: Cable and Internet

I was wondering if you guys can give me some help. I was thinking about getting SlingTV and downgrading my internet speed with Xfinity. Do you think at 25 mbps, this will be high enough speed to stream on SlingTV to watch live TV? I want to make sure I would be okay before I make the switch. I curre...
by schutzk21
Wed Apr 05, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1289

Re: New Tires for 2013 Mazda 3

Ok, so I am guessing Michelin isn't running that special right now?
by schutzk21
Wed Apr 05, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1289

Re: New Tires for 2013 Mazda 3

It looks like Discount Tire has the Defenders for a total of about $675 for 4 tires. Are there any coupons or deals to get this cheaper?
by schutzk21
Wed Apr 05, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: New Tires for 2013 Mazda 3
Replies: 16
Views: 1289

New Tires for 2013 Mazda 3

Hello everyone,

I wanted to see if anyone had an opinion on 2013 Mazda 3 tires. I have 51,000 miles on the car and I think I am due. I am looking for the best value for my money. Any help is appreciated. Thank you!
by schutzk21
Sat Mar 25, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Just purchased car- question about dealer
Replies: 3
Views: 467

Just purchased car- question about dealer

We just agreed to a price on a certified pre owned car. We are financing through my credit union. The check won't be sent to the dealer 'til Tuesday (3 days from now). We asked the dealer if we can put some money down and then take the car and had a pre approval letter from the credit union stating ...
by schutzk21
Sat Mar 18, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

How can they not want me as a customer? That is pretty ridiculous to not even bother with someone.
by schutzk21
Sat Mar 18, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

I have called and spoke to the Sales admin person and she just told me they can't give me an out the door price until I come in. I have also emailed them and gave them my number, and no one has contacted me. It seems as if they just want me to come in and don't want to give me any info until I come ...
by schutzk21
Sat Mar 18, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

Kenkat, thats a good idea. I guess it doesn't hurt to try.
by schutzk21
Sat Mar 18, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

So do you guys just suggest going into the dealer and seeing what the actual offer is? It seems as if every single new car in their lot has the "allowance" tagged onto it.
by schutzk21
Sat Mar 18, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

Ah, so it is only what you actually qualify for? So that $7102 is the total of everything someone "may" qualify for?
by schutzk21
Sat Mar 18, 2017 2:50 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

At 15,808 what can I expect the out the door price to be? I asked the lady on the phone and she said she cant give that to me unless I came in. I have also emailed them but am not hearing anything back. When I am ready to finalize everything, is it suggested to see the total bill (how much they are ...
by schutzk21
Sat Mar 18, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

Re: "Allowance" for new car

It does look like every single 2017 Sonata has this "allowance" attached to it. So it isn't the only car on the lot with this offer.
by schutzk21
Sat Mar 18, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: "Allowance" for new car
Replies: 22
Views: 1218

"Allowance" for new car

Hello everyone, I came across a new Hyundai Sonata at a local dealership and noticed there is a $7102 "allowance" off the MSRP. Here is the link: m Does this mean that this $7102 is taken off the top of the price, or does it come as a rebate down the road after purchasing the car? If it is...
by schutzk21
Tue Mar 14, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

After talking to my wife, she decided she wants a 2014 camry. It just so happened that we were set up with that car for our rental and she fell in love. I rented consumer reports buying guide and it looks like a good option. It looks like I can get one out the door for about 15k for a 2014 SE model ...
by schutzk21
Sun Mar 12, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

How does this one look? Edmunds has it valued at about 15K for private seller. It was a rental car, so that is a bit iffy.

http://www.autotrader.com/cars-for-sale ... de1=PRIUSC
by schutzk21
Sun Mar 12, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

This will be our first kid. Our plan is to only have one, so I believe we will be okay with the Prius. We were looking at SUV's as well, but the gas mileage is just not where we would want it to be. I have seen some Prius's in that price range, Bubba. Would you recommend the regular Prius or the Pri...
by schutzk21
Sun Mar 12, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

Thank you all for your responses. I am pretty sure we have narrowed it to to a Prius as the most important things to us with a car is reliability, great gas mileage (we drive a ton), and safety. We will be having a child soon, so this is extremely important. If anyone else has any suggestions as far...
by schutzk21
Sat Mar 11, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

Thanks bubba. Yes, I thought about this as well. But then you can just see the difference and how much more Carmax charges. This makes me want to stay away. I guess it is just a vicious cycle and I have to make up my mind on what I want to do.
by schutzk21
Sat Mar 11, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

In all honestly, I don't think buying a used car will ever be pleasant for me. If anyone has any advice about a good car to look for in say, the 10-13K range, I would really appreciate it. I just do not know where to start with the process. Should I buy a subscription to consumer reports buying guide?
by schutzk21
Sat Mar 11, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

Thank you for that. Are there any other listed cars in the 10-15K range that are reliable with good gas mileage? Buying a used car is stressful.
by schutzk21
Sat Mar 11, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

I really am starting to look into the Prius. What year and version of the Prius is ideal? We may be able to spend a bit more. Probably up to 15K.
by schutzk21
Fri Mar 10, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

I apologize for the double post, but what does everyone think of this car?

https://www.carfax.com/VehicleHistory/p ... tner=GAZ_0

It is older but has very few miles. Is this a worry? Seems very reasonably priced.
by schutzk21
Fri Mar 10, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Re: Buying Used Car- Less than 11K out door

Sorry about that.

Preferably a sedan or small SUV. Possibly a medium sized sedan. The old car was a Kia Forte. I just liked that it was great on gas. Honestly the biggest thing for me is gas mileage and reliability.
by schutzk21
Fri Mar 10, 2017 8:24 pm
Forum: Personal Consumer Issues
Topic: Buying Used Car- Less than 11K out door
Replies: 33
Views: 3279

Buying Used Car- Less than 11K out door

Hello everyone. So I am now in the market for a used car as my wife's car was just totaled. We are looking for good fuel economy and something reliable. Does anyone have suggestions for a car that I can possibly get for 11K or less out the door? Please list year and model. I really appreciate your h...
by schutzk21
Fri Mar 10, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

Re: wife in car accident - next steps?

Just a quick update. The car was totaled. Good news is it appraised for 11k so we are under water by only 1k. So I was way off with my estimation. Now we have to look for a used car. Yippie. I may look at car rental locations to purchase one of their vehicles
by schutzk21
Fri Mar 10, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

Re: wife in car accident - next steps?

I threw out 8K without much thought, but am starting to realize that this is probably too low. Do you guys recommend taking KBB values in and also comparable cars that are being sold right now by private owners and NOT dealers? Obviously the dealers put the price up a bit more than the actual value.
by schutzk21
Fri Mar 10, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

Re: wife in car accident - next steps?

Well, when they value the car, what data are they looking at? Do they just look at previous sales for that car with similar mileage? They don't know what shape it was in before the accident (it was in good shape with no defects or anything) which makes it hard to compare our vehicle to other Kia For...
by schutzk21
Fri Mar 10, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

Re: wife in car accident - next steps?

Part of me wants to hold onto this emergency fund money because we plan on having a kid within the year and any cushion for that would be nice. I just feel that if I deplete my entire savings, I am going to be put into a position where money is going to be very tight. I obviously know that financing...
by schutzk21
Fri Mar 10, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: wife in car accident - next steps?
Replies: 28
Views: 2669

wife in car accident - next steps?

Hi everyone. My wife was in a car accident yesterday. She is okay, which Is the most important thing. She had a 2015 Kia Forte. We owe about $12200 on the loan. We do not have gap insurance. We are still waiting to hear from the appraiser, but I have a feeling the car may be totaled. If we were to g...
by schutzk21
Fri Mar 03, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 7591

Re: Cable and Internet

This is AMAZING news. But just to be sure, this includes the Cubs, right? I know VUE has CSN, but doesn't carry Cubs games.
by schutzk21
Thu Mar 02, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: RICP Designation- Recommended?
Replies: 1
Views: 352

RICP Designation- Recommended?

Hello everyone I am a finance major and sort of stuck on what I want to do with my career. I currently work for a pension fund calculating pension annuities for members. I came across the RICP designation that The American College offers. Is this something that is highly coveted in the finance world...
by schutzk21
Wed Mar 01, 2017 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Contributing to 457(b)
Replies: 3
Views: 292

Contributing to 457(b)

Hello everyone, I am going start contributing $30 every two weeks into my employer 457 plan. I know this is a small amount, but I wanted to start with something small while I pay off some debt. I am 27 years old and will also be maxing out mine and my wife's ROTH in the near future. I was wondering ...
by schutzk21
Wed Mar 01, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: ROTH IRA Early Withdrawal and taxes
Replies: 40
Views: 2269

Re: ROTH IRA Early Withdrawal and taxes

Thanks so much for the response. So just to make sure I understand, if I were to contribute to the 2016 year right now (in 2017), would this mean my contributions are for tax year 2016, or 2017? I just think I am confusing myself.
by schutzk21
Wed Mar 01, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: ROTH IRA Early Withdrawal and taxes
Replies: 40
Views: 2269

Re: ROTH IRA Early Withdrawal and taxes

Hi Everyone, I have one more question regarding my contributions to my Roth IRA. I plan on contributing $1000 to my ROTH IRA and putting it into the 2050 Target Fund. If I choose to use year 2016 and not 2017, is it okay if I do this considering I already filed my taxes for the year? There was a sec...
by schutzk21
Fri Feb 24, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1855

Re: Train Trip

Thank you all! I would prefer to not sleep in the train overnight every night. That would probably drive me nuts.