Search found 36 matches

by Wolfpack2463
Wed May 20, 2020 8:49 pm
Forum: Personal Consumer Issues
Topic: Car Transport Services
Replies: 9
Views: 537

Re: Car Transport Services

We just used Sherpa Auto Transport to ship a Toyota Avalon from KY to NC a few weeks ago. Price was $625 (which was slightly higher because we put the entire amount on a credit card). They are a broker, but they do have a price lock guarantee. If they can’t find someone for the price they quoted, th...
by Wolfpack2463
Fri May 15, 2020 10:23 am
Forum: Personal Investments
Topic: Portfolio Question: can we achieve our FIRE goal by age 40?
Replies: 26
Views: 1758

Re: Portfolio Question: can we achieve our FIRE goal by age 40?

Are the TIRAs rollovers from prior employers' 401(k) plans? Why not transfer to your current 401(k)s, as they seem to have good choices (unless there are high non-MF fees)? Your wife's TIRA balance is so low, I would just go ahead and convert it into Roth. Maybe same for you, but it might be better...
by Wolfpack2463
Wed May 13, 2020 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Subaru 0% financing
Replies: 35
Views: 2879

Re: Subaru 0% financing

Join a Subaru VIP partner and you will receive 2% below invoice price.
by Wolfpack2463
Tue May 05, 2020 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage in 2 years or max out 401k
Replies: 34
Views: 1988

Re: Payoff Mortgage in 2 years or max out 401k

I would suggest that you prioritize the 401K and backdoor Roth over prepayment of the mortgage. Since you are maxing out your tax advantaged space, any dollars you don't put in this year cannot go back in future years . So it's important to continue maxing out every year. You are probably underexpo...
by Wolfpack2463
Fri May 01, 2020 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 231
Views: 32667

Re: Car Dealers not really wanting to make a deal

Does your local dealer offer the Costco deal? For our last three cars over the last 15 years we called the dealer and asked if they will match or do better than the Costco program. We are shown the invoice and pay no more than 500 over invoice, which is usually substantially lower than the MSRP. No...
by Wolfpack2463
Wed Apr 29, 2020 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Drivers license Cancelled
Replies: 48
Views: 5445

Re: Drivers license Cancelled

Have you returned your FL tags? I’m assuming not since you haven’t registered the car in IL? I found this in a news article https://www.google.com/amp/s/www.firstcoastnews.com/amp/article/news/on-your-side-moving-from-florida-dont-forget-to-leave-the-tag/77-454513000 “In Florida, tags must be surren...
by Wolfpack2463
Mon Apr 27, 2020 11:15 am
Forum: Personal Investments
Topic: To buy or not to buy that is the question (not stocks)
Replies: 11
Views: 624

Re: To buy or not to buy that is the question (not stocks)

Hello everyone thanks for your input. Now to answering some questions. I actually am pretty handy so that part of it isn't that daunting to me plus the place has been gone through in the last couple of years to make sure it is kept up I do know the owner and he is meticulous. The residence is less ...
by Wolfpack2463
Thu Apr 23, 2020 3:48 pm
Forum: Personal Investments
Topic: 29 years old, newly married. [Update 2 years later]
Replies: 25
Views: 4223

Re: 29 years old, newly married. Need help allocating ~$3300/month

EF: 4 months expenses in high yield savings account Debt: Mortgage ~173k remaining at 4.125% (30 year fixed) Tax filing status: MFJ Tax: 22% federal, 5% state State of residence: AL Age: 31, DH is 30 DD 9 months :D Desired asset allocation: 85% stocks / 15% bonds Portfolio (258.5k): Her 401k (TSP) ...
by Wolfpack2463
Mon Apr 20, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Decision to refinance my home
Replies: 7
Views: 647

Re: Decision to refinance my home

What kind of rate can you get for a 10 year fixed? I would say look at ARMs, but their rates are much worse than fixed right now . You are close to having a paid off home, would hate to reset the clock further out. This is not true everywhere. For example, https://www.thirdfederal.com/borrowing/mor...
by Wolfpack2463
Mon Apr 20, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Decision to refinance my home
Replies: 7
Views: 647

Re: Decision to refinance my home

What kind of rate can you get for a 10 year fixed? I would say look at ARMs, but their rates are much worse than fixed right now.

You are close to having a paid off home, would hate to reset the clock further out.
by Wolfpack2463
Tue Mar 10, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: Suggestions for wife's new luxury (or non luxury) SUV???? UPDATE: Thanks everyone for your help.
Replies: 138
Views: 9208

Re: Suggestions for wife's new luxury (or non luxury) SUV????

UPDATE: DW and I test drove the Toyota Highlander, 4Runner, Honda Passport Elite, and Honda Pilot Limited AWD, today. She liked the Honda Pilot AWD the best. We spent about 2 hours looking at it again and asking about all the details of it. Looks like we're going to order a 2021 later in the year w...
by Wolfpack2463
Thu Feb 13, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: My LenderFi refinance is going well
Replies: 351
Views: 40006

Re: My LenderFi refinance is going well

Thanks to this forum I have locked in with LenderFi for a 20 yr fixed 3.125% with no appraisal and no cost(besides funding escrow). It was just sent to processing and they said they are very busy but closing should be in 3 weeks. So far so good though.
by Wolfpack2463
Tue Nov 19, 2019 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Car negotiation question
Replies: 52
Views: 4687

Re: Car negotiation question

You could join one of Subaru’s charity partners and get 2% below invoice. I believe there is a Pennsylvania flower and garden society or something that is $50 and they send the certification within a day or so. You can look on the Subaru forums for more partners and instructions. As far as your situ...
by Wolfpack2463
Mon Jul 01, 2019 8:19 am
Forum: Personal Consumer Issues
Topic: CarMax re-appraisal, your experience.
Replies: 9
Views: 1867

Re: CarMax re-appraisal, your experience.

Will either of the dealers match the CarMax price? On our last car purchase, after I had already negotiated the price of the new car, I told them I would be trading in my car. They came back with about $1500 less than the CarMax offer I already had in my hand(that I didn’t tell them about yet). Afte...
by Wolfpack2463
Thu May 23, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 3215

Re: What is the best way to test drive cars?

After doing research online and watching numerous YouTube reviews, I contacted two dealers nearby that had the two cars we narrowed it down to and said I would like an overnight test drive (aka Puppy dog trial). They said no problem and they made copies of my driver’s license and insurance and I tol...
by Wolfpack2463
Fri Apr 26, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage with Spouse or Separate?
Replies: 41
Views: 2645

Re: Mortgage with Spouse or Separate?

My wife and I have purchased our last 3 houses with just her getting the mortgage but with both our names going on the title. The first time was a move out of state and I didn’t have a job lined up yet and the next two I’ve been a stay at home parent, so no income and her credit score was over 800 a...
by Wolfpack2463
Mon Mar 25, 2019 9:02 pm
Forum: Personal Investments
Topic: Is the NC 529 plan good enough?
Replies: 9
Views: 649

Re: Is the NC 529 plan good enough?

I went with the 529 directly thru Vanguard with an expense ratio of .15%. The small downside is the $3000 minimum to open the account. The NC 529 has the higher expense ratio but I believe you can open it with as little as $25.
by Wolfpack2463
Tue Mar 19, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee
Replies: 34
Views: 3775

Re: The lawyers who took on Big Tobacco are aiming at Realtors and their 6% fee

When I look at our area on Zillow, only 1% or less are for sale by owner. There must be a reason for that. It's because they have to pay 6% to the buyer's agent instead of 3% to each agent. Makes getting a selling agent essentially "free". Only way by owner works is if you have buyers with no buyin...
by Wolfpack2463
Fri Feb 22, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Toyota Sequoia questions
Replies: 89
Views: 5616

Re: Toyota Sequoia questions

We have a mid-size SUV (a 2014 Mercedes ML 350) and it’s a huge challenge to fit just two adults, one baby and everyone’s luggage (including all the gear that comes with the baby). The last time we traveled out of town, it was an unqualified disaster. If you’ve recently (because time tends to fade ...
by Wolfpack2463
Thu Feb 21, 2019 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Construction Loan or Cash for New House?
Replies: 6
Views: 711

Re: Construction Loan or Cash for New House?

Interesting! HELOC - yep, check I'm ignorant about and I'll have to learn more about 'margin against investments'... On a related note - arguably the one 'value add' a construction loan might offer is that I 'think' they send an inspector of some sort out periodically to validate certain phases or ...
by Wolfpack2463
Fri Jan 25, 2019 4:29 pm
Forum: Personal Investments
Topic: Advice for this 30 year old?
Replies: 22
Views: 2588

Re: Advice for this 30 year old?

GuyFromGeorgia wrote:
Fri Jan 25, 2019 4:09 pm
Not sure how you're able to max out both Roth IRAs if the other spouse isn't working. Need to have income to do a IRA.
Spousal IRA. If MFJ then income earning spouse can fund IRA for the other spouse.
by Wolfpack2463
Tue Nov 27, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 5778

Re: Robot Vacuum Cleaner?

I need one too. I'm looking for something that can re-charge it's self and has virtual mapping that you can create virtual walls with their app. Bonus points if it can be used with 2 separate floor-plans (upstairs and down). Neato D7 would check all your boxes +1 Have the D7 and love it. The virtua...
by Wolfpack2463
Mon Nov 19, 2018 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: High premiums on life insurance from financial advisor?
Replies: 14
Views: 1237

Re: High premiums on life insurance from financial advisor?

I can’t speak for the disability insurance, but the life insurance premium is high. Earlier this year I took out a 20 yr $1.5MM policy thru Prudential for an annual premium of $872(32 yo male, non-smoker) and my wife took out a 20 yr $2MM policy thru Banner Life for $880 per year (32 yo female, non-...
by Wolfpack2463
Fri Nov 09, 2018 10:40 am
Forum: Personal Investments
Topic: What can I do better?
Replies: 29
Views: 2651

Re: What can I do better?

With your income you should be maxing both His and Her 401ks at $18,500 for each ($19000 for 2019), His and Her Roth IRA, and the family HSA (which I believe is $7000). That is $55,000/year and they expire each year so you can’t go back and get those tax breaks. If you do that and add some taxable ...
by Wolfpack2463
Fri Nov 09, 2018 8:04 am
Forum: Personal Investments
Topic: What can I do better?
Replies: 29
Views: 2651

Re: What can I do better?

With your income you should be maxing both His and Her 401ks at $18,500 for each ($19000 for 2019), His and Her Roth IRA, and the family HSA (which I believe is $7000). That is $55,000/year and they expire each year so you can’t go back and get those tax breaks. If you do that and add some taxable s...
by Wolfpack2463
Sun Nov 04, 2018 11:59 am
Forum: Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 1329

Re: Help With Backdoor Roth

We were in a similar situation earlier this year with my wife having an existing tIRA of $11k. We found it easiest to rollover that tIRA to her 401k then once that was competed, we both did a non-deductible tIRA contribution and then a few days later converted it to a roth. I believe that route is t...
by Wolfpack2463
Fri Sep 14, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 982

Re: FaceID w driving? ... upgrading from 5S

I have my X mounted on a mount on my air vent and I have no problem unlocking it via FaceID. Also, I know with X (I think the 7 and 8 as well) you can summon Siri by just saying “Hey Siri” and then you can give command so wouldn’t even have to touch your phone. I believe you might have to turn this ...
by Wolfpack2463
Wed Aug 22, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: When to lock in a mortgage rate?
Replies: 16
Views: 2160

Re: When to lock in a mortgage rate?

I’m using this thread to ask a more general question. Scenario: We’ve just gone under contract on our ideal four bedroom colonial on a nice cul-de-sac. Seller requested December closing date. I’m about to submit our formal mortgage application. I asked my broker about a rate lock and learned that i...
by Wolfpack2463
Tue Aug 14, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance for Young Couple
Replies: 41
Views: 5225

Re: Term Life Insurance for Young Couple

My wife and I are both applying for term insurance. We are both in our twenties. I work a regular job and my wife is currently volunteering her time. Because my wife is a "non-working spouse" her maximum coverage amounts (years and dollars) seems to be tied to the amount of term life insurance cove...
by Wolfpack2463
Wed Aug 01, 2018 3:26 pm
Forum: Personal Investments
Topic: Net worth of $3.7M at age 47 - can I retire?
Replies: 135
Views: 20812

Re: Net worth of $3.7M at age 47 - can we retire?

visualguy wrote:
Wed Aug 01, 2018 2:21 pm
HomerJ wrote:
Wed Aug 01, 2018 11:13 am
People here focus way too much on the risk of running out of money, and completely ignore the risk of running out of time.
Running out of time to do what? I think we all know how running out of money is bad, but it's a lot less clear with "running out of time"...
Running out of time=death
by Wolfpack2463
Mon Jul 16, 2018 3:58 pm
Forum: Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 766

Re: Moving taxable to Vanguard with capital gains?

Thank you, I knew about the 1 year time frame, but all the account says is “unrealized capital gains” with no breakdown of long or short term. I have the records for the amount of shares purchased each month, so could I use FIFO for selling whatever the amount of shares purchased up until 7/16/2017?
by Wolfpack2463
Mon Jul 16, 2018 2:08 pm
Forum: Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 766

Re: Moving taxable to Vanguard with capital gains?

Alright I turned off reinvestment of dividends and capital gains and figured out I can send it right to my bank account. I would assume some of my shares would be eligible for long term. Opened the account in 6/2015 with $5k and have invested $2k monthly ever since. I apologize for my lack of knowle...
by Wolfpack2463
Mon Jul 16, 2018 1:48 pm
Forum: Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 766

Re: Moving taxable to Vanguard with capital gains?

Thanks for quick replies! ResearchMed- Vanguard does offer the same fund, but it is the same ER so would be in the same position, but thanks for that recommendation. Vineviz- the cost basis is average cost, so how do I sell only the shares with LTCG? I’m sorry I’ve never sold any shares before so no...
by Wolfpack2463
Mon Jul 16, 2018 1:25 pm
Forum: Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 766

Moving taxable to Vanguard with capital gains?

Hello, We currently have $100k in taxable account with T. Rowe Price in the Blue Chip Growth Fund(TRBCX, expense ratio .7%) I think I want to move it to Vanguard and put it in the Vanguard Total Stock Market Index Admiral Shares (VTSAX, expense .04%) to lessen the expense($700 vs $40 right now). The...
by Wolfpack2463
Thu Jun 28, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: movers damaged furniture- what happens usually?
Replies: 3
Views: 765

Re: movers damaged furniture- what happens usually?

In my experience they will have someone come out to asses your damage. If it is chipped or gouged then they will have a furniture restoration company come to your house and repair the damages. If they can’t repair it, then they should write a check to you for the value. When we filed the claim they ...
by Wolfpack2463
Wed Jun 27, 2018 9:20 am
Forum: Personal Investments
Topic: Investment Portfolio Help
Replies: 1
Views: 276

Investment Portfolio Help

Hello, I just discovered bogleheads and what an incredible collection of information! I’m hoping to get some advice on some investments moving forward. I’m a novice investor with only basic knowledge, so please bear with me. I’m currently a stay at home dad with my daughter and my wife brings home $...