Search found 15 matches

by FlyEaglesFly2000
Tue Jul 02, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Used Car Purchase - What Interest Rate Should I Expect
Replies: 13
Views: 718

Re: Used Car Purchase - What Interest Rate Should I Expect

Thanks for the suggestions. Just applied online for pre-approval with a local credit union. I have a feeling the dealer will offer closer to 5% if I don't have a competing offer from a bank. Hopefully credit union will come through in the 3% range.
by FlyEaglesFly2000
Tue Jul 02, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: Used Car Purchase - What Interest Rate Should I Expect
Replies: 13
Views: 718

Used Car Purchase - What Interest Rate Should I Expect

Planning to purchase a pre-owned (2016) Toyota Sienna minivan this week. Will likely buy from a Toyota dealer or from local GMC dealer that has a Sienna from a trade-in. I will be financing around $25k over 48 months. What type of interest rate should I expect? Assume top credit rating. A quick goog...
by FlyEaglesFly2000
Mon Jun 24, 2019 4:28 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2254

Re: Chrysler Pacifica - Yes or No

If you go the Pacifica route you may want to look at a new plug in hybrid Pacifica. With the federal tax credit and if your state has a tax credit it may be in your price range. Thanks for the suggestion. I didn't know about the tax credits available. I'll have to research that. Though I did see th...
by FlyEaglesFly2000
Mon Jun 24, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2254

Re: Chrysler Pacifica - Yes or No

Thanks for the feedback. Good to hear some positive reviews of the Pacifica. I realize it doesn't have the track record of the Sienna or Odyssey, but it comes with a lot of good options included at a pretty good price. We'd likely opt for something above the base model, so I think we'd still have to...
by FlyEaglesFly2000
Mon Jun 24, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2254

Chrysler Pacifica - Yes or No

We are in the market for a minivan and trying to decide which way to go. Really like the look, functionality and price of the Pacifica. But, not so sure about the reliability vs the Toyota Sienna (newer style Odyssey is probably out of our price range). Would likely buy pre-owned with under 30k mile...
by FlyEaglesFly2000
Fri May 31, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 9370

Re: Does money/lack of money preoccupy you?

I can definitely relate to your "obsession." I go through periods of time where I spend way too much time focused on finances and nitpicking every financial transaction. Then, I find a few months where I ease up a bit and find that much more relaxing. The downside is that when I take my focus away a...
by FlyEaglesFly2000
Wed May 29, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Best Pool Vacuum for the $$
Replies: 12
Views: 923

Re: Best Pool Vacuum for the $$

After trying a few things, for a suction-side cleaner, I've settled on the knock-off $100 kreepy-crawly and replace it about every two years. It comes with a new set of hoses which deteriorate over time in the sun/chlorine. It's easier than replacing individual parts as they fail, only to have anot...
by FlyEaglesFly2000
Wed May 29, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Best Pool Vacuum for the $$
Replies: 12
Views: 923

Best Pool Vacuum for the $$

Any tips on a good automatic pool vacuum? We have a gunite pool surrounded by several large trees. Keeping the surface clean and algae-free is a challenge. I currently have a 10 year old Polaris that does an okay job of sucking up leaves and acorns from the bottom, but it doesn't help much with keep...
by FlyEaglesFly2000
Wed Mar 06, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Stay the course with baby on the way?
Replies: 28
Views: 1898

Re: Stay the course with baby on the way?

To follow up on the health insurance comments, my experience has been that out-of-pocket costs on a high deductible plan will be in the $5k-$7k range for the birth of the baby. Also, your insurance premiums will go up once you change to a family plan. As others have said, I would plan on spending $ ...
by FlyEaglesFly2000
Wed Feb 27, 2019 10:42 am
Forum: Personal Consumer Issues
Topic: brand new Sienna/Odyssey or gently used?
Replies: 40
Views: 2754

Re: brand new Sienna/Odyssey or gently used?

Glad you asked that question. I'm in a very similar situation...soon to be family of 5 looking at a future minivan purchase. We currently have a Highlander that we'll keep and another mid-size SUV that we'd trade for the van. Given those options, I'd go with the $8k or so with the 10k miles. Unless ...
by FlyEaglesFly2000
Tue Feb 19, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: My Mortgage = Is it a problem?
Replies: 49
Views: 3955

Re: My Mortage = Is it a problem?

OP, I would ramp up pretax investments and this should allow you to add 650 bucks or so to your net worth each month due to tax efficiency. Once you are closer to retirement, then you can deal with the decision based on a stronger cash position all while your investments grow and are there of neede...
by FlyEaglesFly2000
Tue Feb 19, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: My Mortgage = Is it a problem?
Replies: 49
Views: 3955

Re: My Mortage = Is it a problem?

I am not a proponent of 529 investing if you are not maxing out your tax advantaged retirement accounts. Invest the feds' money and let it work for you. [/quote] Ole Miss, Can you explain idea a little further? Are you suggesting to load up on 401k with the extra $$ instead of 529? I see how that wo...
by FlyEaglesFly2000
Mon Feb 11, 2019 11:38 am
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8134

Re: How many hours do you work and what do you outsource

I very much agree with veindoc's idea of getting the kids involved. My are still young enough that their "help" doesn't lighten the load too much, but I'm working on setting up habits. I have several teenagers in the family that have gone through high school and into college without helping with a s...
by FlyEaglesFly2000
Mon Feb 11, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8134

Re: How many hours do you work and what do you outsource

I work 45 hours per week with a 30 minutes to commute each day. My spouse works an average of 20 hours per week and picks kids up at school each afternoon and shuttles to most activities. The only thing we currently outsource is pest control, and that's just because my wife had a serious bug phobia ...
by FlyEaglesFly2000
Mon Feb 11, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Newlyweds and joint accounts for household expenses
Replies: 120
Views: 6439

Re: Newlyweds and joint accounts for household expenses

Coming from someone married 12 years where we have always done the one pot of $$ thing, I have always been intrigued by the joint account for household and separate account for individual expenses. I would love to not stress about my wife spending more than I understand on a new purse or her to disa...