Search found 80 matches

by samta09
Fri Aug 03, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 6795

Re: Minivan Vs SUV Experience

The SUV is definitely better in every other aspects, except the practicality standpoint. What other aspects? My Sienna minivan has a moonroof, AWD and gets the same gas mileage as a XC90? Drive one and come back to comment. What a copout answer. You were the one who posted about your experience dri...
by samta09
Fri Aug 03, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 6795

Re: Minivan Vs SUV Experience

lthenderson wrote:
Fri Aug 03, 2018 9:26 am
samta09 wrote:
Fri Aug 03, 2018 8:12 am
The SUV is definitely better in every other aspects, except the practicality standpoint.
What other aspects? My Sienna minivan has a moonroof, AWD and gets the same gas mileage as a XC90?
Drive one and come back to comment.
by samta09
Fri Aug 03, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 6795

Re: Minivan Vs SUV Experience

How can you compare a toyota sienna with a luxury SUV like XC90? Price differential is of magnitude 15K minimum for similar trim levels. This. Cool blog post for sure. Stay tuned for my post comparing a Civic to F250. ha! I'm no car expert, just happened to have an XC90 for the week. Luxury or not,...
by samta09
Fri Aug 03, 2018 8:12 am
Forum: Personal Consumer Issues
Topic: Minivan Vs SUV Experience
Replies: 111
Views: 6795

Minivan Vs SUV Experience

Just wanted to share my thoughts between minivan and SUV. We have a 2015 Toyota Sienna, a minivan, and it has been a pretty boring in terms of look and drive but super practical hauling our kids and extended family members, though we don’t realize it until we got a 2018 Volvo XC90 as a loaner for a ...
by samta09
Mon Jul 30, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Garage doors
Replies: 13
Views: 1208

Re: Garage doors

We just signed a contract to replace a single and double wooden garage doors to Clopay Gallery Collection steel doors with 12.9 R insulated. Apparently, these doors are currently on sale and didn't believe it at first but when comparing them to other similar doors and with lower R value, they came o...
by samta09
Wed Jul 25, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Where can I rent a Volvo?
Replies: 21
Views: 1646

Re: Where can I rent a Volvo?

We’re currently renting a 2018 Volvo XC90 at a local Enterprise. You can call your local Enterprise to see if it has one available to rent. The car is so comfortable compared to any cars i’ve driven.
by samta09
Fri May 04, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Ed. Jones rep didn't like our plan, now we're locked out
Replies: 152
Views: 18871

Re: Ed. Jones rep didn't like our plan, now we're locked out

Google Edward Jones equity commission schedule. Then take a look at the one page PDF file. The fee for selling $100,000 of a single stock is $1205, plus 0.5% of amount over $100,000. So $600k spread over four different stocks could definitely get up close to $6000 in commissions... . How is this ev...
by samta09
Wed Apr 04, 2018 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-
Replies: 136
Views: 11656

Re: This-millennial-couple-is-saving-150000-a-year-and-plans-to-retire-by-2029-heres-how-they-

We should take articles like this with a grain of salt. I would be more interested to know their savings rate relative to their income. A lot of information is purposefully misssed from the article to make it appear this couple has a high savings amount, and it is high to most standards, but can be ...
by samta09
Mon Mar 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Bought house six months ago - now feeling like we're treading water and can't save money
Replies: 189
Views: 17905

Re: Bought house six months ago - now feeling like we're treading water and can't save money

You’re not less/more religious based on how much $ you contribute to your church. Most of us are dealt with limited resource so we do our best to allocate that resource based on our priorities. If you believe that by contributing $400 per month would make you feel happier and/or closer to your faith...
by samta09
Wed Feb 28, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 18303

Re: Defining "House Poor"

Can a renter be house poor? If you rent more than you need, yeah for sure. It's just a very simple principle: do not buy/rent more house than you need. With this principle, you can run the numbers and assess your personal situation so that buying/renting too much house will not have a detrimental e...
by samta09
Wed Feb 28, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 18303

Re: Defining "House Poor"

Can a renter be house poor? If you rent more than you need, yeah for sure. It's just a very simple principle: do not buy/rent more house than you need. With this principle, you can run the numbers and assess your personal situation so that buying/renting too much house will not have a detrimental e...
by samta09
Fri Feb 23, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 5064

Re: How am I really doing for retirement savings?

In general asking how you are doing without a good handle on your specific numbers - income, current debt, current saved, projected SS, projected pensions, projected expenses just leaves everyone with a subjective conversation. Perhaps load your real data into one or more of the better retirement p...
by samta09
Fri Feb 23, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: How am I really doing for retirement savings?
Replies: 45
Views: 5064

Re: How am I really doing for retirement savings?

Listen to your wife before it's too late. Tone it down a bit and enjoy the journey. Others have chimed in numerous times that you're doing fine so give it a rest.
by samta09
Tue Feb 13, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 8039

Re: Why paying off loans would be better than fully funding 401k?

I think some people are missing the importance of the future "vacation" money. Wife lives on the west coast and her aging family is on the east coast. Likely the kids' grandparents are on the east coast. There is probably no family on her side out west. Visiting once or twice a year is of primary i...
by samta09
Tue Feb 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Why paying off loans would be better than fully funding 401k?
Replies: 97
Views: 8039

Re: Why paying off loans would be better than fully funding 401k?

OP, Simplicity is key here. Please focus on the following three items: 1) Pay off your debt. With your income, you can knock this item out in no time. 2) Learn to be discipline in your spending habit 3) Invest My spouse is also a doctor and breadwinner and we both grew up poor but because of it, we’...
by samta09
Thu Feb 08, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5040

Re: Who has had a pool?

DaftInvestor wrote:
Thu Feb 08, 2018 1:33 pm
Arabesque wrote:
Thu Feb 08, 2018 1:13 pm
I would never own a pool, but it's not about resale, saving, maintenance, or germs. I know someone whose child drown in their pool.
I know someone whose child died in a car accident but I still own a car.
Lol
by samta09
Thu Feb 08, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 5040

Re: Who has had a pool?

We just moved in to our new house with an unground pool. It was a little overwhelming at first because I had never owned one but gotten more comfortable and knowledgeable in terms of daily/weekly maintenances. Trouble free pool.com or TFP is a great resource. I ended up using the bleach instead of c...
by samta09
Fri Feb 02, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Leaning Toward Paying Extra Principal to 30 Year Mortgage
Replies: 15
Views: 1434

Re: Leaning Toward Paying Extra Principal to 30 Year Mortgage

Just a couple of thoughts for you to consider. Your rate is excellent and as you are probably aware mortgages rates are moving up toward 4.5% so my view is that you should be very happy with your rate. The new tax law still allows the mortgage interest deduction for mortgages of $750K or less so do...
by samta09
Fri Feb 02, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Leaning Toward Paying Extra Principal to 30 Year Mortgage
Replies: 15
Views: 1434

Re: Leaning Toward Paying Extra Principal to 30 Year Mortgage

what would you invest in the other half? Mainly Total Stock and Munis if in the high income tax bracket?
by samta09
Fri Feb 02, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: Leaning Toward Paying Extra Principal to 30 Year Mortgage
Replies: 15
Views: 1434

Leaning Toward Paying Extra Principal to 30 Year Mortgage

We recently got a 30 year mortgage of 3.625% 6 months ago. Based on our income, we could have gotten a 15 years mortgage but wanted to be conservative in case one of us stop working for whatever reasons. Fast forward to the present, we have approximately $76k that we can either invest in taxable or ...
by samta09
Wed Jan 31, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?
Replies: 38
Views: 5162

Re: Does anyone use Personal Capital, Mint, Tiller, or You Need a Budget?

I use old fashion Excel. I export banks and credit cards activities via CSV format and go from there. I admit doing it this way isn’t user friendly but I’m used to it and built in formulas to make the process efficient. Also, I don’t feel comfortable granting all of my financial access to these serv...
by samta09
Wed Jan 31, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6020

Re: New Subaru Outback vs. used Volvo XC-70

Volvo cars are visually appealing, especially interior design and comfort but heard reliability is an issue. I currently own a 2013 Outback with 100k miles and so far only had to change oil, brakes, and tires. I feel confident driving it in poor weather conditions. One time, we drove onto beach sand...
by samta09
Thu Jan 25, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Smart home lighting: which lights to automate?
Replies: 19
Views: 1864

Re: Smart home lighting: which lights to automate?

I also used the Lutron Caseta switches for my house and absolutely loving it. Not only it is convenience, but very versatile. I was clueless of these things until my wife bought me a Lutron Caseta light switch on clearance from Target. Perhaps, when it first came out, not too many know how to use it...
by samta09
Sat Dec 16, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Electric Energy Usage
Replies: 86
Views: 6224

Re: Electric Energy Usage

Location: Central PA House: 2800 two stories # of People: 4, 5 and 2 years old Heating/cooling: 10 years old Geothermal, uses electric Kitchen: 30 years old range and stove, both electric Water heater: propane gas Fireplace: propane gas Well pump: 3 years old electric, not variable speed so not effi...
by samta09
Wed Nov 01, 2017 2:41 pm
Forum: Investing - Theory, News & General
Topic: Asset Based Charge
Replies: 3
Views: 512

Asset Based Charge

I noticed lately that my spouse's 401k plan has been chagrining a fee called Asset Based Charge every 2-3 months. I calculated this fee to be about .08% of the balance. I contacted the plan but didn't really get a good understanding. Can someone explain to me what this fee is about?
by samta09
Fri Oct 13, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 5041

Re: SUV options with 3 little kids

OP, I hope it is not an image problem preventing you from thinking of gettting a minivan. If so, consider this: a couple at our daycare picks up their two kids in a BMW i8 two door sports coupe that has Lamborghini doors. Just imagine the pick up/drop off would look like. I'm sure they think the car...
by samta09
Fri Oct 13, 2017 2:14 am
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 5041

Re: SUV options with 3 little kids

Here was my response to your last post on this same subject... "I think you are getting yourself into the weeds and suffering from analysis paralysis. You started this thread with FIVE options...along with a group of luxury models that you expressed several concerns about. After receiving lots of h...
by samta09
Sun Jul 02, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

You can afford it, I guess, though yor current savings are unstated. But your income is solid. I'd be concerned about 3 issues. 1. The lack of a neighborhood. This is a major drawback for young kids. We looked long and hard for a large lot within a neighborhood. Now our kids ride their bikes to the...
by samta09
Fri Jun 30, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

How hard will this house be to sell down the road? If this is a pervasively LCOLA, you may not find many buyers. I should try to clarify LCOLA. There are plenty of new construction houses that will go well above $500k. There are also plenty of new construction house with about .25 acres starting in...
by samta09
Fri Jun 30, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

520k seems to be a lot in LCOLA, but you can obviously afford it. Here's what I would like you to think about in your head. If you sold this home in 20 years, for 520k (adjusted for inflation) would you still be happy? Make sure you're buying it because you want it, not because you think it's going...
by samta09
Fri Jun 30, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

Are you going to put the $188k down on the new place? Finances look good. How far below asking is $520k? Your realtor should be able to give guidance on what percentage of offers are accepted within x% of asking in your area. If too low, you might not get a response. It really depends on how bad yo...
by samta09
Fri Jun 30, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

Agreed. The basement is walkout and has its own patio. They can go in and out using via walk out, with the exception of walking up the steps to the main floor. Still, I think this is better than sending them to Senior Living or having them living in their own house since I'd have to go back and fort...
by samta09
Fri Jun 30, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Re: Buying a $520k House in LCOLA

You have thought through it right. I did same - took a 30 year, but then paid it down aggressively later on. Don't offer more unless there is a dearth of supply and a ton of offers on the home. Offer the price and if accepted great, if they counter, then you can consider offering more. That price i...
by samta09
Fri Jun 30, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a $520k House in LCOLA
Replies: 23
Views: 3596

Buying a $520k House in LCOLA

I'm sure I got all of ducks in a row but wanted to share my housing purchase experience with you all to see if I'm missing anything. Age = 35 Children = 4 and 1 Gross Income = $250k Potential bonus = $20k-40k Debt = 11k car loan debt at 1% and $5k student loan debt ~1%-%2. Rate so low I just pay mon...
by samta09
Thu Jun 15, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year Mortgage from Navy Federal Credit Union
Replies: 10
Views: 2489

Re: 30 Year Mortgage from Navy Federal Credit Union

ERISA Stone wrote:Andrews Federal Credit Union - 3.375% rate with 1 point https://www.andrewsfcu.org/personal/loa ... loans.html
Thanks for this information. Do you have experience with them? Curious to know if they are reliable and customer service friendly.
by samta09
Wed Jun 14, 2017 7:35 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year Mortgage from Navy Federal Credit Union
Replies: 10
Views: 2489

30 Year Mortgage from Navy Federal Credit Union

I'm shopping for a 30 year mortgage and found Navy Federal Credit Union where I'm a member, offering 3.625% with .875 point. APR is 3.799%. Anyone found a better rate than this? Also, I'd like to learn your experience with Navy Federal in terms of Mortgage lending.
by samta09
Tue Jan 17, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Higher Vs. Lower Fees
Replies: 7
Views: 677

Re: Higher Vs. Lower Fees

You want to invest in whatever will do better, even if it has higher fees. But historically if you invest in past outperformers in a category, your return will be lower than if you invest in lower cost funds in a category, and there's little performance persistence to be found, so that is the ratio...
by samta09
Tue Jan 17, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Higher Vs. Lower Fees
Replies: 7
Views: 677

Re: Higher Vs. Lower Fees

the reason I said that was due to higher returns on longer periods 5 and 10 years.
by samta09
Tue Jan 17, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Higher Vs. Lower Fees
Replies: 7
Views: 677

Higher Vs. Lower Fees

I invested the below funds in 401k last year and earned about 25%. This year, the plan offers Vanguard Retirement Target funds, and the one that's close in allocation is the 2045, VTIVX because it invests 90/10. When compare expense ratio, Vanguard is much lower, at .14 vs .50, however, the below fu...
by samta09
Thu Jun 23, 2016 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Can these high fees offered in 401k be lowered?
Replies: 7
Views: 558

Re: Can these high fees offered in 401k be lowered?

I'd say those fees are pretty middle-of-the-road. Horrible is approaching 2% and terrific is sub .10% in plans, such as your spouse's. Take heart in knowing that the trend has been for plans to improve over time. Contributing lowers your taxable income and automated investing builds wealth. If you ...
by samta09
Thu Jun 23, 2016 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Can these high fees offered in 401k be lowered?
Replies: 7
Views: 558

Re: Can these high fees offered in 401k be lowered?

The mutual funds offered in my 401k are not that attractive in terms of fees. Currently, I managed to keep the fees as low as I possibly can by only selecting Index funds. However, I still consider the fees in these index funds to be high, at .49% in total. Here are the funds and their expense rati...
by samta09
Thu Jun 23, 2016 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Can these high fees offered in 401k be lowered?
Replies: 7
Views: 558

Can these high fees offered in 401k be lowered?

The mutual funds offered in my 401k are not that attractive in terms of fees. Currently, I managed to keep the fees as low as I possibly can by only selecting Index funds. However, I still consider the fees in these index funds to be high, at .49% in total. Here are the funds and their expense ratio...
by samta09
Thu Jun 16, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Comcast vs FiOS vs Sling TV
Replies: 19
Views: 9959

Comcast vs FiOS vs Sling TV

I currently have 50/50 mbps internet through Comcast Xfinity and paying $40/month, including taxes and fees. I have a few more months paying at this price, then it goes up to $60/month. I don't have TV or phone services. I'm looking into getting TV service but the cost doesn't seem to justify it and...
by samta09
Tue May 24, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: [Deleted]
Replies: 43
Views: 3220

Re: Should I buy a house?

I bought my first townhouse (7 years old at the time) at 25 at the height of the bubble in 2006...one of the worst decisions ever made. People and real estate agents were saying buy now or they'll go up to the point where it'll be unaffordable. I thought I was being responsible by owning a house and...
by samta09
Thu Apr 28, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Which 401k Funds to Select
Replies: 2
Views: 387

Which 401k Funds to Select

I'm sure how to paste the table from excel to show the data in a more easier to read format (please paste it back to your Excel to see if you can see better). The table shows all the possible I can invest in my 401k. From looking at the funds, I don't think they offer much, considering the high expe...
by samta09
Fri Mar 25, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 42838

Re: Liking the new Citi CC at Costco

Wow, looks like the Costco Citi CC will offer great benefits as long as you're willing to use the rewards at Costco: According to https://www.nerdwallet.com/blog/credit-cards/new-citi-costco-visa-details/ 4% back on gas purchases at Costco and other gas stations (on up to $7,000 spent per year) Pen...
by samta09
Fri Mar 25, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 42838

Liking the new Citi CC at Costco

Wow, looks like the Costco Citi CC will offer great benefits as long as you're willing to use the rewards at Costco: According to https://www.nerdwallet.com/blog/credit-cards/new-citi-costco-visa-details/ 4% back on gas purchases at Costco and other gas stations (on up to $7,000 spent per year) 3% b...
by samta09
Sat Mar 19, 2016 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Borrow money to finish basement vs using own cash
Replies: 12
Views: 1825

Borrow money to finish basement vs using own cash

I am about to finish my basement and the cost is $20k. I have sufficient fund to pay for the project but I'm leaning toward getting a home equity loan from a credit union. The rate is 3.49% with 5 year payoff. We are in the 28% marginal tax bracket so after deducting the interest in this loan, I bel...
by samta09
Thu Mar 17, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Moving 401k to Vanguard
Replies: 6
Views: 523

Re: Moving 401k to Vanguard

My company does not have Vanguard as part of the portfolio so I am limited to be able to select only the funds that's available.the fees in these funds are way higher than that of Vanguard. Is there a way to transfer my 401k balance to Vanguard without incurring penalties/taxes? In general you can'...