Search found 65 matches

by rguina
Sun Mar 25, 2018 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard i401k not syncing w/ aggregators bur rest of accounts do?
Replies: 2
Views: 204

Re: Vanguard i401k not syncing w/ aggregators bur rest of accounts do?

I have noticed the same thing. Personal Capital was aggregating balances correctly until the beginning of the year. The dashboard is showing the last update with my solo 401k as the end of Dec 2017. My account still syncs with Vanguard, but it does not update the 401k balances. That makes it more di...
by rguina
Mon Mar 19, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Parking Business Cash - WHERE?
Replies: 21
Views: 2820

Re: Parking Business Cash - WHERE?

Most business savings accounts don't offer very good interest rates. The best I've come across is Capital One Spark Business - they have an intro rate of 1.50% APY for 12 months. After that it drops to 0.40%. So it's a great solution for the first year, and well above average after the first year. Y...
by rguina
Tue Mar 13, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Selling business (website) considerations
Replies: 27
Views: 2428

Re: Selling business (website) considerations

Thanks for the quick reply. They will write up the sales agreement. I will obviously look it over carefully with a lawyer. I am fine with giving up 100% of the data, content, social media accounts, etc. That's no problem. I'm hoping they do not go for a non-compete clause. I have multiple sites tha...
by rguina
Fri Feb 09, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: VA vs. Private Practice.....need help
Replies: 14
Views: 1598

Re: VA vs. Private Practice.....need help

Long time visitor to the site, but first time poster. I need some wisdom and guidance from peers on this site. I am a 39 yo practicing dentist with the VA. I am married with a working spouse and have two children living in HCOL area. I have been with the VA 8 years and recently have been shopping a...
by rguina
Tue Jan 30, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 6656

Re: The housing nowadays

this may be naive / short sighted, but if you can't put 20% down you have no business getting wrapped up in such a big financial decision. How can you reconcile your opinion with the fact that the VA home loan program requires 0% down and has the lowest rate of default? https://www.va.gov/opa/press...
by rguina
Tue Jan 30, 2018 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: The housing nowadays
Replies: 64
Views: 6656

Re: The housing nowadays

Except not everyone with a VA loan is in the military, meaning they don't necessarily enjoy most of those stated benefits. More likely, active service members are a minority because changing duty stations every 3 years makes home ownership a little more difficult. Regardless, the point is that blan...
by rguina
Tue Jan 23, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Max out TSP, 457, AND 403b
Replies: 30
Views: 3183

Re: Max out TSP, 457, AND 403b

Now our combined income is $200k since I got my usual raise and my wife got a promotion. I'm wondering if I should start prioritizing taxable investing to some degree. All of my investments (net worth is about $600k) are tied up in tax-advantaged and real estate. I'm not sure if I'm asking a specif...
by rguina
Tue Jan 23, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can a 529 plan be used to pay for private tuition?
Replies: 41
Views: 2698

Re: Can a 529 plan be used to pay for private tuition?

Was not aware of this development. This may have more ripples not obvious at the first sight, as this article explains: https://www.nytimes.com/2017/12/21/your-money/529-plans-taxes-private-school.html Do I understand correctly that only private schools are affected by this, so that no expenses of ...
by rguina
Wed Nov 29, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 52126

Re: USAA 2.5% Cash Back Credit Card

USAA does not subsidize its products, and even card rewards programs have to be at least revenue-neutral. It looks like this card costs more than it earns, but we already suspected that. If USAA can't figure out a way to make it stand on its own then they'll shut it down. So then the jury is still ...
by rguina
Wed Nov 01, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 52126

Re: USAA 2.5% Cash Back Credit Card

Limitless Visa is advertised as being an online pilot program that has limited availability. With that in mind, manufactured spending may not be the culprit. I think this is the correct statement. USAA runs many pilot programs and shutters many of them before they are widely adopted. Sometimes they...
by rguina
Thu Sep 07, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 103884

Re: To take or not to take delivery of Tesla 3

I had reserved Tesla 3 when it was announced. I did it because $35K-$7.5K price was too attractive to NOT put my name on the list. According to the web site I can get the delivery by Dec-Feb time frame if I select the $49K car. This is with 310 miles + premium options package. That price still does...
by rguina
Thu Jun 29, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 3126

Re: Pre-owned Acura's... Value of 'Certified'?

I just purchased a CPO Honda (Acura is the luxury division of Honda). The price was very competitive w/ non-CPO cars with similar mileage and features. But I have the peace of mind of the warranty, plus a brand new set of tires and a fresh oil change. Changing the oil isn't a huge deal, but most dea...
by rguina
Tue Jun 13, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Best Option for a 6-month car?
Replies: 13
Views: 1872

Re: Best Option for a 6-month car?

I had a similar situation about 10 years ago... I was on active duty and I shipped my car to my next duty location. Unfortunately, I had a bout a 4-6 week wait time until my car was scheduled to arrive. I was under 25 at the time so a long-term car rental would have been very expensive. So I bought ...
by rguina
Sat Mar 11, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 52126

Re: USAA 2.5% Cash Back Credit Card

I am having the same positive experience with the card as well. Rewards post quickly and I am segregating those rewards so I can pay for another house lease deposit when I move at the end of the year/early next year. It has become my primary card and I also used it to pay my fed taxes last night-co...
by rguina
Tue Mar 07, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 3528

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

The RX 450h is the hybrid version of the RX 350, right? I haven't driven one, but I like the combination of the V6 power and best in class gas mileage. I know gas is cheap now, but I usually drive cars for 10 years.no guarantees gas well continue to be low priced the entire time. Indeed it is the h...
by rguina
Tue Mar 07, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: TV and/or Speakers for Enhanced Voice Clarity [UPDATE]
Replies: 35
Views: 5130

Re: TV and/or Speakers for Enhanced Voice Clarity

I have used Sennsheiser wireless headphones for years. Great quality and you can control your own volume. I have the RS120 and I like it a lot, but other (more expensive) models get better reviews. This. I have been using the Sennheiser HDR 110 model for almost 10 years now. My wife has sensitive h...
by rguina
Tue Mar 07, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350
Replies: 25
Views: 3528

Re: 2014 Subaru Forrester 2.5i vs 2010 Lexus RX 350

Get the Lexus. You won't be sorry. We got the Lexus (450h), and we definitely are not sorry. :) Thanks everyone for your input on this! The RX 450h is the hybrid version of the RX 350, right? I haven't driven one, but I like the combination of the V6 power and best in class gas mileage. I know gas ...
by rguina
Sat Mar 04, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 875

Re: (Military) Continue to pay off debt or Save for PCS?

I was stationed at RAF Lakenheath. Great tour, and there is a lot to do in the UK. Speaking from personal experience, I wouldn't recommend bringing a large American car, truck or SUV to the UK. The roads are narrow and parking lots and spaces are generally much smaller. It can be very difficult to p...
by rguina
Thu Mar 02, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Laptop for blogging
Replies: 7
Views: 884

Re: Laptop for blogging

Look beyond a chromebook if you will need anything more than just Internet and cloud based software. I know there are a lot of well meaning recommendations for the chromebook, but as a professional blogger, that wouldn't cut it for my needs. I need to have various software programs including an FTP ...
by rguina
Sun Feb 19, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Any reason to delay using Turbotax to file taxes?
Replies: 13
Views: 2197

Re: Any reason to delay using Turbotax to file taxes?

TurboTax now offers free advice from CPAs and tax pros if you use their online version. So you can ask questions specific to your situation. You can also check with the VITA program if your base offers it (tax preparation on base, quality can vary depending on the experience of the person helping ou...
by rguina
Fri Feb 17, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 3723

Re: Convince Wife for Honda Odyssey

This is about much more than a vehicle purchase. Let your wife get what she wants for the sake of your marital harmony. Don't be pushy. Choose your battles. She has her own, personal reasons, maybe emotional, maybe rational, or maybe it's vanity or self-image. The reason is immaterial. Give in and ...
by rguina
Wed Feb 15, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 40735

Re: Tesla Model 3 or Chevy Bolt?

@BrandonBogle gave well-balanced advice for both sides of the table. I've driven the Tesla Model S and X and they are amazing machines. I loved the experience so much that I put down a deposit on the Tesla Model 3 last fall. But I'm good with waiting a year or two before delivery. In fact, I prefer ...
by rguina
Mon Feb 13, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 5894

Re: Which luxury auto brand depreciates the most?

My last two luxury cars were chosen because they depreciated the most out of the cars I found desirable. This was an advantage to me because I got a really nice car for little money. Well now you left us hanging. :) Care to share? I went in with friends to start a business and at the same time move...
by rguina
Mon Feb 13, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 3346

Re: New car for wife and what to do with old car

I have a 2012 Outback with the CVT and it feels really smooth. I've heard poor things about the Honda and Nissan CRV's. The escape looks very nice, but appears a bit smaller than either the CRV or Forester. I wish the Rav 4 had a nicer information system. But for only a few thousand more I'm strong...
by rguina
Mon Feb 13, 2017 4:18 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 3346

Re: New car for wife and what to do with old car

It definitely helps and I appreciate your input. I agree about the CVT, and the reliability factor of it worries me. I am a Toyota guy (owned a 2004 Tacoma trouble free for over 10 years). And, reliability and safety are on the top of my list. I actually test drove the forester and absolutely loved...
by rguina
Mon Feb 13, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 5894

Re: Which luxury auto brand depreciates the most?

whodidntante wrote:My last two luxury cars were chosen because they depreciated the most out of the cars I found desirable. This was an advantage to me because I got a really nice car for little money.
Well now you left us hanging. :)

Care to share?
by rguina
Mon Feb 13, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 3346

Re: New car for wife and what to do with old car

So, I think it may be time to get my wife a new vehicle. She currently has a 2005 Accord V6 with 85k on the odometer. It is leather with navigation and has had no maintenance issues. We currently have an 18 month old and are planning on having another child soon. My wife is not in favor of a miniva...
by rguina
Sun Feb 12, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 37
Views: 7687

Re: Getting Rid of Google Search Result??

I feel the OP's pain. There was a public official a few states away that has the same fairly uncommon name as me. He got caught up in some kind of racketeering scandal. Any Google search of that name would reveal 3+ pages of stories on that guy with no mention of the actual me before you got to bey...
by rguina
Sat Feb 11, 2017 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Veteran's Survivor Benefits
Replies: 5
Views: 878

Re: Veteran's Survivor Benefits

EDIT: It says they are including a "VCAA" form, with this language. " We have enclosed a VCAA Notice Response. We encourage you to return this document, as it may expedite a decision on your claim ". Yet there is form called "VCAA Form". I think they are referring to enclosed Form 21-4138, " Statem...
by rguina
Sat Feb 11, 2017 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Veteran's Survivor Benefits
Replies: 5
Views: 878

Re: Veteran's Survivor Benefits

Look into the Survivor's Pension Program and the Veteran's Aid and Attendance Benefit Both of these programs are available to certain low-income veterans and/or surviving spouses. Survivors Pension: The Survivors Pension benefit, which may also be referred to as Death Pension, is a tax-free monetary...
by rguina
Fri Feb 10, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: OP UPDATE:Getting Rid of Google Search Result??
Replies: 37
Views: 7687

Re: Getting Rid of Google Search Result??

As others have said, paying that one website will not make the public record disappear from the internet. I'd instead recommend working to build more positive search results for your name that you control, and hopefully the negative results will fade to page 2, page 3... For some ideas check out ht...
by rguina
Mon Sep 19, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 8546

Re: Recommendations for Small or Midsize SUV/Crossover

One issue that is an emerging requirement is that the spouse wants cloth . . . :shock: Good luck, friend. If it is a comfort issue, buy a seat cover. If it is political statement, a few makers give you the safety gear without leather but not many. Heated leather seats when it's cold would change th...
by rguina
Fri Sep 16, 2016 10:13 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 8546

Re: Recommendations for Small or Midsize SUV/Crossover

I'm sort of a "car guy". I have a 2015 forester XT 2.0 turbo. Great vehicle. Perfect blend of sporty and utility. It's expensive but it blows the doors off of everything else (from a sporty performance perspective). Except for a BMW or Audi. I really feel like you are considering vehicles that diff...
by rguina
Fri Sep 16, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 2084

Re: Where Do BHs Register Business Web Domains?

GoDaddy is great for initial registrations because they have tons of coupons for initial registrations. But they get you with upsells and addons. You can decline these, but it gets annoying after awhile. You can turn that off. Good to know. I have been slowly moving my domains away from GoDaddy sin...
by rguina
Fri Sep 16, 2016 6:53 pm
Forum: Personal Consumer Issues
Topic: Where Do BHs Register Business Web Domains?
Replies: 26
Views: 2084

Re: Where Do BHs Register Business Web Domains?

GoDaddy is great for initial registrations because they have tons of coupons for initial registrations. But they get you with upsells and addons. You can decline these, but it gets annoying after awhile. They also charge much higher rates for renewing your registration. Private Registration is expen...
by rguina
Fri Sep 16, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 180805

Re: Tesla S

I believe that there's a good chance that any Model S configured now will have either the hardware, or the ability to take the hardware, required for AP 2. From what I've read it does not currently have all the hardware. They are building bays to house the new radars, but the cabling and actually r...
by rguina
Fri Sep 16, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 180805

Re: Tesla S

Leif, I'd compare the cost of a used CPO Model S to leasing a new vehicle. You may find that the residual value of buying a used Model S is less expensive than leasing the new vehicle. You wouldn't get the federal tax credit if you buy used, but I'm not sure if that applies to the lease or not. Eith...
by rguina
Fri Sep 16, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: What's the smallest signup bonus that you'd take on a new credit card?
Replies: 27
Views: 2946

Re: What's the smallest signup bonus that you'd take on a new credit card?

My minimum is probably around $500 (or a slightly smaller bonus with an amazing rewards program). But even then, it's rare for me to open a new account. I like to have at least two active credit card accounts - a backup in case one becomes compromised. But I don't like to churn or sign up for multip...
by rguina
Fri Sep 16, 2016 9:16 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 8546

Re: Recommendations for Small or Midsize SUV/Crossover

OK I have modified the list given suggestions and comments in the thread, unfortunately it got longer rather than shorter :) Currently on the list: Subaru Forester 2.0XT Subaru Outback 3.6R Limited or Touring Hyundai Santa Fe Sport AWD 2.0T Kia Sorento AWD EX Toyota Highlander LE Plus Honda Pilot E...
by rguina
Thu Sep 15, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Wordpress hosting - purchase hosting solution or host on wordpress.com?
Replies: 7
Views: 1096

Re: Wordpress hosting - purchase hosting solution or host on wordpress.com?

Yes - absolutely move to your own hosting account as soon as possible. Why? You don't fully control your site if it is on a free hosting platform. Many people have had incidents with WordPress.com, Blogger (blogspot), and similar free blogging platforms. There are also limitations on what you can do...
by rguina
Thu Sep 15, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Recommendations for Small or Midsize SUV/Crossover
Replies: 66
Views: 8546

Re: Recommendations for Small or Midsize SUV/Crossover

I recently test drove and looked at many of the cars in the small crossover class. Most of the vehicles you listed were larger than the vehicles I'm referring to, but I'll mention them in case they help you or someone else reading this thread. My top 3 were: Subaru Forester XT Toyota RAV4 Hybrid For...
by rguina
Tue Sep 13, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 4198

Re: Recommended Acoustic Guitars Under $1,000

I appreciate all of the replies. After reading some of the feedback I realized I should have provided more background information. I do already play, though for the past several years it has been far too sporadic and noncommittal. I’m looking to get back into it and take it more seriously. I’ve own...
by rguina
Mon Sep 12, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Recommended Acoustic Guitars Under $1,000
Replies: 27
Views: 4198

Re: Recommended Acoustic Guitars Under $1,000

I went through this process a few years ago. What seems like a simple task at first can grow in scope as you learn about the differences and what is important to you (much like investing, buying a car, etc.). My first recommendation: become a lurker at The Acoustic Guitar Forum - http://www.acoustic...
by rguina
Fri Aug 26, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 3432

Re: Where to mount winter tires?

I get most of my maintenance done at Firestone because it's easier to do everything at one place. (check with your favorite shop, as many will offer similar benefits as described below). Firestone and many other tire stores offer free lifetime balance and rotations when you purchase tires. I purchas...
by rguina
Fri Aug 05, 2016 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance
Replies: 5
Views: 912

Re: Health Insurance

I would most likely use your wife's health care plan. $400 for a family plan is fairly reasonable and you may not find anything less expensive on the Affordable Care Act exchanges or with an individual health care plan found outside the exchanges. You may be able to save some money if you go elsewhe...
by rguina
Thu Aug 04, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: How are taxes different after retirement?
Replies: 39
Views: 4570

Re: How are taxes different after retirement?

Tennessee Hall Tax, which disportionately affects seniors: How much is it?: 6 percent Who must pay it?: Anyone who earns more than $1,250 from investment income, or couples who earn more than $2,500 from investment income Who's exempt right now?: Anyone 65 years old or older who earns less than $33...
by rguina
Thu Aug 04, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 4080

Re: Depending on stability of ACA marketplace for next 8 years?

My overall thoughts: I want the exchanges to work. It makes health insurance more accessible to those who don't have access to a group health care plan. And to a large degree, most people can make the plans on the exchanges work. But it takes a lot of flexibility and patience on the consumer's end....
by rguina
Wed Aug 03, 2016 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Depending on stability of ACA marketplace for next 8 years?
Replies: 40
Views: 4080

Re: Depending on stability of ACA marketplace for next 8 years?

I don’t have a warm and fuzzy feeling about the future of the ACA marketplace. That isn't to say it won't be around, or that it won't be a viable option. But you will need to be flexible with your provider, coverage, and other features. I'm not a health insurance expert, so I can only speak as a lay...
by rguina
Wed Aug 03, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: How much to put down on our next house?
Replies: 34
Views: 2903

Re: How much to put down on our next house?

Sounds like the bottom line is... -Pay off the student loans ($68k) -Beef up the EF (another $20k in cash). This would give us $40k in cash and wouldn't include last resort available funds like credit cards, HELOC and Roth IRAs. If it got real bad we would have the $40k in cash, and last resort typ...
by rguina
Wed Jul 27, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a house while active duty
Replies: 15
Views: 1192

Re: Thinking of buying a house while active duty

Some great comments in this thread. Home ownership can be a contentious topic. Emotion often impacts our perspectives on home ownership. Your lead in to this thread is a perfect example: To buy a home and own land is something special. I look at it as an ancient right, dating back to the time of Lor...