Search found 69 matches

by tin369
Mon Jun 19, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 53
Views: 11353

Re: Tracking progress to $1M portfolio and no mortgage by 40

This is a very motivating thread, can people in tech sales tell me how do you get into that kinda job? I have had a late start in my career and right now looks like the only way to have that kinda portfolio is by having a high paying job, which will allow you to have a substantial savings each year.
by tin369
Mon Jun 19, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 948

Re: Finishing Basement - financing?

I think its called upflush toilets, saniflow is one brand that I have heard of.
by tin369
Thu Jun 15, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 948

Re: Finishing Basement - financing?

Another question about flooring, I have read so many people against putting carpet, but I feel anything other than carpet will not feel warm and cozy. I also don't have plumbing rough ins but am thinking of getting those toilets that don't require drilling a hole. Anyone here has any experience with...
by tin369
Wed Jun 14, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 948

Finishing Basement - financing?

Hi all, So I am thinking of finishing up my basement through a contractor, after speaking to a friend who recently got his basement finished he said it cost him about $40,000 to finish his basement with a full bathroom and bedroom. He paid the labor part of it with cash about $20,000 and for the mat...
by tin369
Wed Apr 05, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 11231

Re: High Income earners, whats your Tax Strategy?

How does HSA work, I do get my health insurance from work, so I don't think I can have a HSA, can I ?
by tin369
Wed Apr 05, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 9224

Re: Buying expensive car, how to keep payments low?

Can I delete this thread, :D I sure should not have asked this question on here. Some people regardless of how rich they are don't care about what car they drive and that's fine, but I am sure they all or all of you have something that excited you and you splurge on those things. Yes I don have $70,...
by tin369
Wed Apr 05, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 9224

Buying expensive car, how to keep payments low?

Hi all, I have a rav4 which has about 128,000 miles and I have had the car for about 7 years now. I want to buy a new car (luxury) and considering the Q7. The price as optioned comes out to around $67,000, CarMax gave me a quote of $7000 for the RAV4, if I trade in the rav4 my cost for the q7 will b...
by tin369
Wed Apr 05, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 11231

High Income earners, whats your Tax Strategy?

Hi all,

My wife and I are maxing out 401k, but as our combined income is increasing, what other ways are there to save on taxes? I am interested to hear what some other high income earners are doing to save on taxes?
by tin369
Mon Feb 27, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3487

Re: Outdoor grill: gas or electric?

I have never grilled before and want to get a grill as well, thinking of getting the gas grill, weber e310.
anyone has this grill and how do you like it? will Lowes install it for you when they deliver? also don't know what's the difference between the th lowes vs. HD version.
by tin369
Tue Feb 21, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 627

Re: Auto Finance question

We've had great experience with Lightstream. As long as you have decent income and credit score, you'll qualify for their great rates. The process is fairly quick as well. I have only recently heard about Lightstream, can you tell me more about the process you went through. I have a score around 78...
by tin369
Tue Feb 21, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 76
Views: 7144

Re: Audi Q7 Reliability

I am also interested in the Q7 and would like to know the long term ownership cost. I was going to initially lease, but Audi's leases are not as great as MB or BMW, so low rate interest financing makes sense. I am just looking for any input of existing q7 owners who either still have the older q7 or...
by tin369
Tue Feb 21, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 627

Auto Finance question

Hi all, I was hoping that the someone here would be able to give me suggestion for the best way to go about financing a car. The loan amount I am looking at will be about $65,000. Initially I thought I would pay about $20,000 or so a down payment and finance the rest. however with low interest rates...
by tin369
Fri Feb 17, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1019

Re: GL450 CPO vs. Q7 New

Just out of curiosity, why did you give up on the MDX? We've had excellent experiences with Acura, including an MDX and RDX. I don't know what their CPO program is like, but I assume it's competitive with the other "luxury" brands. The new grill design of the MDX is growing on me, however...
by tin369
Fri Feb 17, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1019

Gl450 CPO vs. Q7 New

I am now also seriously considering the Q7, I looked at the lease and it does not lease well, do you guys think it is a good idea to buy? If buying I will have to put at-least $30,000 down to have a lower monthly payment. Does it make sense financially to do so?
by tin369
Thu Feb 16, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1019

Re: New or CPO luxury SUV?

Buying CPO (3-4) year old cars will save a lot compared to buying new and though I do not have any experience with said SUVs, I will recommend financing through PenFed or Lightstream. The latter's process is much more simple and depending on credit/income you can finance the whole purchase price; w...
by tin369
Thu Feb 16, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1019

GL450 CPO vs. Q7 New

Hi all, Need to get some advice from the BH community. I have a 2009 RAV4 V6 and need to get something bigger. I started out with the MDX, XC90 and then found out about the GL450, a 2014 CPO can be had for around $50,000 or so. I was wondering if buying a CPO would make sense since it has already go...
by tin369
Tue Aug 02, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1429

Re: Refinance - need experts help

Ok original loan was for 400,000 @ 4.3% 30 year fixed. 27 years left on the mortgage. What would be the calculation that would make sense to refinance given the above numbers. Exactly how much do you owe now, and exactly how long have you been making payments? Here's an estimate that is probably cl...
by tin369
Mon Aug 01, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1429

Re: Refinance - need experts help

Ok original loan was for 400,000 @ 4.3% 30 year fixed. 27 years left on the mortgage.

What would be the calculation that would make sense to refinance given the above numbers.
by tin369
Mon Aug 01, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1429

Re: Refinance - need experts help

Shop, shop, shop for the best rate (and closing costs!) The 1st thing you will need to know (or at least guestimate) is how much you owe on your current mortgage and how much your house is worth. How much you owe should be easy, it should be on your mortgage statements. How much your home is worth ...
by tin369
Mon Aug 01, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1429

Refinance - need experts help

Hi all, We bought our first home in 2013 at 4.30% for 30 year fixed. I am thinking of refinancing to get a lower monthly payment but don't know where to start and how to determine how much will I save if I refinance at lower rate but keep the same 30 year period. Any calculators out there which can ...
by tin369
Fri Jan 08, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 403b - new employment
Replies: 1
Views: 293

What to do with 403b - new employment

Hi all,

My previous employer offered 403b through metlife and now that I have a new employment, I was wondering what should I do my old 403b account.
by tin369
Thu Jan 07, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which Retirement Account to Max Out First?
Replies: 11
Views: 1448

Re: Which Retirement Account to Max Out First?

I have a similar question so asking it here rather than opening another thread. So I am confused about 401k and IRA What I am doing currently is maxing out my 401k which has a employer match 100% match up to 5% of total compensation which is $75000 I also have a vanguard account where I have a Roth ...
by tin369
Mon Aug 24, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and a couple of other investment questions
Replies: 3
Views: 277

Re: 529 and a couple of other investment questions

Thanks for your responses, that makes sense.
by tin369
Mon Aug 24, 2015 7:52 am
Forum: Investing - Help with Personal Investments
Topic: 529 and a couple of other investment questions
Replies: 3
Views: 277

529 and a couple of other investment questions

Hi all, I am wondering if its a good idea to open a 529 for my child, my wife's sister was talking to my wife the other day and telling her that she has opened the UTAH 529 plan for both her kids and asked if we opened any for our child, we have a little one and she said to start early. I am not sur...
by tin369
Thu Aug 20, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check Pls - Am I doing it right
Replies: 2
Views: 340

Portfolio Check Pls - Am I doing it right

Hi all, At the beginning of this year, I found this community and have taken my finances seriously and investments as well. I just want to make sure I have made the right choice. His 403b Fidelity Spartan 500 Index Inv. this has the lowest ER of the funds offered- $24000 (started 3 years ago, but ch...
by tin369
Thu Apr 30, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 6365

Re: Backyard patio - should I invest?

Yeah I am having a hard time deciding on the lawn mover vs. paying someone to do it. As far as the weber grill, I think that's what I will go for and thanks for confirming my decision.

Yeah my neighbor has the John Deere D110 and they get it cut in about 45 min.
by tin369
Thu Apr 30, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 6365

Re: Backyard patio - should I invest?

I live in the northeast close to Philly area, and yes I have never bbq'd before and I did some reading on the amazingribs.com website and based on their recommendation thinking of getting the weber e310 spirit 3 burner gas grill. I saw some cheaper ones at Lowes, but everyone I talk to keeps saying ...
by tin369
Wed Apr 29, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 6365

Re: Backyard patio - should I invest?

I think I did not give all the details, the patio is going to be raised 2 steps from the ground and will have pillars and sitting walls, also the property is less than 3 years old so they said they need to do something called over dig. I think I will go with suggestion to just go with the grill and ...
by tin369
Wed Apr 29, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 6365

Backyard patio - should I invest?

Hi all, We moved into our new house 2 years ago and have been wanting to build an outdoor backyard patio/deck. We have been putting this expense off as there were other priorities to take care of first. This year again we are thinking of having it built. A deck would cost us more, and a 20x20 patio ...
by tin369
Fri Apr 03, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1079

Re: Investment help please

I think I did not make it clear with my question, I will try again. For the elective deferral with my employer I can contribute upto $18,000 (this is pretax 403b,401k etc.) So for Roth IRA you can contribute upto $5500 (this is after tax correct) And then there is a separate taxable account which ha...
by tin369
Thu Apr 02, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1079

Re: Investment help please

I am 34 and we do have the emergency fun in a savings account. I would say my risk tolerance would be very high right now. Taylor - using the Roth IRA as an emergency fund like you said sounds like a good idea, so there are no penalty as long as I only withdraw the contributions? So I already have a...
by tin369
Thu Apr 02, 2015 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1079

Investment help please

With the help of folks in this forum, a couple of months ago I was able to pay off my debts and now contributing to my employer 403b and have opened Roth IRA with Vanguard. Recently did my taxes and getting some refund back and would want to invest this in along with some money that is in the saving...
by tin369
Wed Mar 25, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investing Question?
Replies: 2
Views: 384

Re: Taxable Account Investing Question?

Have 3 months emergency fund as of now, and will add more to it, before opening the taxable account.
by tin369
Wed Mar 25, 2015 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investing Question?
Replies: 2
Views: 384

Taxable Account Investing Question?

A couple of months ago found this site and joined and got some really good information, so was able to set up her 401k and his 403b with low ER funds. Also opened her and his Roth IRA with vanguard, now these are all tax advantaged account right? If I now want to open an account with vanguard and in...
by tin369
Wed Mar 25, 2015 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Open account for child?
Replies: 8
Views: 1119

Re: Open account for child?

No the gift giver did not specify how or where the child should spend the money, Yes we have 17 years before college starts. I just want the money to start growing from now, instead of sitting in a savings account. Would opening a Vanguard taxable account under my name and earmarking it for the chil...
by tin369
Tue Mar 24, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Open account for child?
Replies: 8
Views: 1119

Open account for child?

Hi all,

We got a $2500 gift for our baby and right now its in a savings account, I was wondering if it would be better to invest that, if so in what? under whose name, ours or the child's? Any tax implications?
by tin369
Tue Mar 24, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 9798

Re: Any situations car leasing makes sense?

I am also in a situation where, I need to return wife's 328i in the next couple of months and I have be mulling over whether to buy or lease her next car. I joined boglehead a couple of months ago and my attitude towards spending has changed and I want to save money. However, I think since of our ca...
by tin369
Wed Mar 11, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 9
Views: 897

Re: Mortgage Refinance Question

Right now the focus is on maxing out the retirement accounts, so no extra payments towards principle.
by tin369
Wed Mar 11, 2015 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 9
Views: 897

Re: Mortgage Refinance Question

Can anyone apply for PenFed loans/refinancing?

Good point about the PMI in the closing docs, I need to go through it.

So would you guys recommend the whole 5 or 15 year ARM?
by tin369
Wed Mar 11, 2015 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Refinance Question
Replies: 9
Views: 897

Mortgage Refinance Question

Hi all, Almost 2 years ago we bought our first home and we closed at 4.35% for 30 year mortgage. We still have a PMI and I had called our lender and they said that it needs to be at least 2 years, which will be in August and the LTV should be 82%. IF at that time the PMI is dropped we would be savin...
by tin369
Tue Mar 10, 2015 7:26 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 2069

Re: S&P 500 Index Fund vs target date for 401k

Thank you all for confirming, I will stick to the target date fund then.
by tin369
Fri Mar 06, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 2277

Re: Sedan or SUV

Well we always wanted to drive a BMW, so got the 328i and I drive it during weekends. She likes how it handles and the power, which i do too, the first time i drove the BMW, it felt so connected to the road and how it handles is something that can only be experienced not described. However, there ar...
by tin369
Fri Mar 06, 2015 10:36 am
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 2277

Re: Sedan or SUV

Live in the northeast, USA. My car is paid off and want to only have one low car payment, so going down in luxury (if i understood that correctly), But the more I think of the Accord, I feel a SUV will be best for our needs and now leaning towards the RDX, guess will have to test drive and see how s...
by tin369
Fri Mar 06, 2015 8:43 am
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 2277

Sedan or SUV

Hi all, We are shopping for a new car, this is going to be wife's car and she currently drive a sedan (bmws 328i). She has always driven a sedan so is used to it, but now cannot decide if she should get an SUV, we already have a RAV4 that I drive, so it serves us as the family car. We have though ab...
by tin369
Thu Mar 05, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 2069

Re: S&P 500 Index Fund vs target date for 401k

So your combined portfolio doesn't have much in the way of fixed income (aka bond funds). What is your planned asset allocation? What have you got written down that you are trying to follow? Oooops, maybe that 403(b) Fidelity Spartan Index is the Fidelity Spartan Bond Index fund and you have lots o...
by tin369
Thu Mar 05, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 2069

Re: S&P 500 Index Fund vs target date for 401k

The other investment is
her ROTH IRA with vanguard open last month
Vanguard lifestyle strategic growth fund - $5500 (2014)
VTSMX - $5500 (2015)

his 403b
Fidelity Spartan index - 90%
Vanguard Total Intl Stock Index Admiral VTIAX - 10%

his ROTH IRA with vanguard
VTSMX - $5500 (2014)
by tin369
Wed Mar 04, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund vs target date for 401k
Replies: 11
Views: 2069

S&P 500 Index Fund vs target date for 401k

Hi all,

Wife's 401k has a target date fund - ER 0.10%
and the S&P 500 Index Fund - ER 0.04%

We just started her contribution on her 401k so wondering if we should change it from the target date fund to the S&P 500 index fund.
by tin369
Thu Feb 26, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 19727

Re: List of favorite accounts

I did email them and they said I would qualify but need to send them proof of owning the share. It would save me $50 per year with this additional discount. Should I buy just one BRK.B share
by tin369
Thu Feb 26, 2015 8:35 am
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 19727

Re: List of favorite accounts

-Own a share of Berkshire Hathaway (BRK.B), get a discount for Geico auto insurance (a subsidiary). I am interested to know if I own a Vanguard mutual fund that has the BRK shares, would I qualify for the Geico auto insurance discount? If not there should I just one share of the BRK.B to get the di...
by tin369
Wed Feb 25, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 4281

Re: Which Car? struggling to decide

This is a nice debate going on here, but as far as leasing is concerned, we leased it coz, its was our first BMW and we don't want to own it out of warranty. It gets expensive really soon. I also think if I can cut on some other expenses and splurge on this, it makes sense to me. But saving up for a...

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