Search found 79 matches

by schutzk21
Sat Mar 25, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Just purchased car- question about dealer
Replies: 3
Views: 331

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: 929

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: 929

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: 929

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: 929

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: 929

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: 929

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: 929

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: 929

"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: http://www.myhappyhyundai.com/new/Hyundai/2017-Hyundai-Sonata-For+sale+to+Chicago+Downers+Grove+Countryside+and+Oak+Lawn+Guests-70f938650a0e0adf...
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: 2633

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: 2633

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/vehicledetails.xhtml?listingId=450691771&zip=60586&referrer=%2Fcars-for-sale%2Fsearchresults.xhtml%3Fzip%3D60586%26showcaseOwnerI...
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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 2633

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: 1978

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: 1978

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: 1978

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: 1978

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: 1978

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: 52
Views: 6045

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: 205

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: 196

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: 1865

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: 1865

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: 1466

Re: Train Trip

Thank you all! I would prefer to not sleep in the train overnight every night. That would probably drive me nuts.
by schutzk21
Fri Feb 24, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1466

Re: Train Trip

Do most packages allow the people to get off the train and stay at a hotel overnight? Or are you sleeping in the train every single day?
by schutzk21
Fri Feb 24, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Train Trip
Replies: 17
Views: 1466

Train Trip

Hello everyone. My wife and I were interested in taking a train trip for 5-7 days. We would like to do a round trip starting from Chicago. Has anyone had experience doing this? How are the sleeping arrangements? Would you recommend something like this? Who offers the best packages? Thanks so much!
by schutzk21
Mon Feb 20, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help with choosing withholding on w-4
Replies: 4
Views: 298

Re: Help with choosing withholding on w-4

Thank you for that. Is the goal to try and get my refund at 0 dollars?
by schutzk21
Mon Feb 20, 2017 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Help with choosing withholding on w-4
Replies: 4
Views: 298

Re: Help with choosing withholding on w-4

Tax liability for 2016: $7680
Not Exactly sure about federal income taxes held so far this year. I would have to check on that.
44 more checks for each of us remaining in 2017 (total of 22 each)
by schutzk21
Mon Feb 20, 2017 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help with choosing withholding on w-4
Replies: 4
Views: 298

Help with choosing withholding on w-4

Hello everyone. I would like to know what would be most beneficial for my wife and I regarding our withholding on our w-4's for tax purposes. Pretax Income: $88K Federal Bracket: 25% State (Illinois): 3.75% I currently claim Single 1 on my taxes and she claims married 0. Is this ideal, or should I c...
by schutzk21
Sat Feb 18, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 658

Re: Vanguard Target Retirement Fund to Investor Shares

I have one other question. Say I wanted a three fund portfolio of 60% US Stock, 25% International Stock, and 15% Total Bond. If I am contributing to my Roth IRA every 2 weeks with $100, would I just take that money every 2 weeks and buy $60 worth US stock, $25 worth of International, etc? Wouldn't t...
by schutzk21
Sat Feb 18, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 658

Re: Vanguard Target Retirement Fund to Investor Shares

Great, this all helps a ton. Thank you for all of your responses. I will start off with the Target fund and then convert to admiral shares 1 fund at a time when I have the right amount saved up.
by schutzk21
Sat Feb 18, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 658

Re: Vanguard Target Retirement Fund to Investor Shares

BL, would it not be smart to first get up to a certain point, and then buy the investor shares before then buying admiral shares? That was going to be the process I would take initially, but would it be ideal to just go from 2050 Target straight to the admiral shares and skipping the investor shares...
by schutzk21
Sat Feb 18, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement Fund to Investor Shares
Replies: 11
Views: 658

Vanguard Target Retirement Fund to Investor Shares

Hello everyone. I am looking to start investing with Vanguard mutual funds in my Roth IRA. I think I may know the answers to my questions, but I wanted to get some reassurance before I start investing. I plan to put the minimum $1,000 in Vanguard Target 2050 fund. When I have enough money to buy Van...
by schutzk21
Sat Feb 18, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: 457, Roth, and plan through employer
Replies: 5
Views: 559

Re: 457, Roth, and plan through employer

Sorry about that. Looking at the numbers, we can probably contribute a total of 16-17k each year in total investments. I am pretty sure that as long as you aren't employed with the employer you had the 457 with, you can withdraw at ANY age without the 10% penalty.
by schutzk21
Fri Feb 17, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Re: Cable and Internet

How the heck did you get internet for so cheap? They are quoting me around $75 for the same service.
by schutzk21
Wed Feb 15, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Re: Cable and Internet

Lindrobe, yes I am in Illinois. I can get the 25mbp for about $80 per month. Do you also rent their modem?
by schutzk21
Wed Feb 15, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: 457, Roth, and plan through employer
Replies: 5
Views: 559

Re: 457, Roth, and plan through employer

Yes, I can only afford to max one. We can afford about 13K for all total investments each month. From the wiki Page: Funds can be withdrawn at retirement, upon severance from the employer , upon death, upon disability, and under stringent hardship withdrawal rules.....does severance from the employe...
by schutzk21
Wed Feb 15, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Re: Cable and Internet

I chatted with an agent from Comcast today and they quoted me $100 (this includes taxes and fees) for their Blast internet package alone. The 25mbps would be about $90 per month. I feel like I am running out of options. This is absurd!
by schutzk21
Wed Feb 15, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Robinhood App- cannot open tax document
Replies: 1
Views: 187

Robinhood App- cannot open tax document

Hello all, Last year, I messed around with the robinhood app and invested $50. I then sold the stock for a small profit and now on the app it is showing the tax document. When I go to open it, it is stating the PDF is of invalid format. Does anyone have any ideas on how to get this open? I tried cal...
by schutzk21
Mon Feb 13, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Re: Cable and Internet

Copper John, I am a huge Cub fan too. If it wasn't for CSN not available on any of the streaming apps, switching right now wouldn't be a problem. I tend to watch at least 5 games a week when the season is in full swing. Maybe I can just stream on their website and use a friend's password to watch. I...
by schutzk21
Tue Feb 07, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: 457, Roth, and plan through employer
Replies: 5
Views: 559

457, Roth, and plan through employer

Hello Everyone, First off, I would just like to say that this forum has been a HUGE help for me. So thank you to everyone that takes the time to help out. I currently work a government-type position. We are offered a 457 plan and another plan that I will detail below. I have opened a Roth with Vangu...
by schutzk21
Mon Feb 06, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Re: Cable and Internet

Thank you all for your responses. As for the data cap, does anyone know of a provider with fast download speeds with a high cap? As per 123, it does look as if having JUST internet with Comcast is not worth it. Also, does VUE have access to local sports channel (CSN)? For example, would I get Bulls ...
by schutzk21
Mon Feb 06, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 52
Views: 6045

Cable and Internet

Hello everyone, I currently have Comcast cable and internet. When my deal is up, I am looking to cut my bill with either downgrading their service, or going with another set up. We have the boost internet, which I am a big fan of. I may try to just keep boost and go with a different cable provider. ...

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