Search found 262 matches

by camaro327
Sat Aug 10, 2019 3:19 am
Forum: Personal Finance (Not Investing)
Topic: $3,400/yr seem reasonable for insurance? Reduce this cost???
Replies: 27
Views: 2483

Re: $3,400/yr seem reasonable for insurance? Reduce this cost???

This seems reasonable. You should always get a couple other quotes before settling on an insurer.

As others have mentioned, rates can be significantly different in different parts of the country.
by camaro327
Sun Jul 28, 2019 6:10 am
Forum: Investing - Theory, News & General
Topic: Selling IBond
Replies: 4
Views: 840

Re: Selling IBond

However you might as well wait, as you can buy an ibond up to the last day of the month and get interest credited for the entire month. In other words, redeem it on 8/1 and let the money set in your savings account until almost the last day of the money and then buy your ibond. Double dipping. +1 Y...
by camaro327
Fri Jul 19, 2019 4:43 am
Forum: Personal Investments
Topic: Why keep low-interest I Bonds?
Replies: 24
Views: 2851

Re: Why keep low-interest I Bonds?

Since the fixed rate on the 5/12 I bonds is zero I would cash them in and buy 10,000 of new I bonds with the 0.5% fixed rate. The fixed rate stays with the I bonds as long as you hold them/up to 30 years.
by camaro327
Thu Jun 20, 2019 3:03 am
Forum: Personal Finance (Not Investing)
Topic: HR telling my wife not to contribute 100% of her salary to 401k
Replies: 24
Views: 4501

Re: HR telling my wife not to contribute 100% of her salary to 401k

401k percentages are usually based on gross pay, so there won't be money left over to pay FICA and local payroll taxes. Rather than getting a pay check, I would think you would get a bill. But that is a hassle I would guess everyone would prefer to avoid. Exactly, the FICA needs to come out along w...
by camaro327
Tue Jun 04, 2019 5:52 pm
Forum: Personal Investments
Topic: Sell i-bonds?
Replies: 9
Views: 1231

Re: Sell i-bonds?

I am buying I bonds each year to get the most of the annual limit, but those bonds with low fixed rates (0, .1, .2, etc.) going to be sold eventually for a home down payment. I don't think i bonds are worth buying until November, however .5 fixed is pretty solid imho. I think they are a reasonable ...
by camaro327
Wed May 15, 2019 4:59 am
Forum: Personal Investments
Topic: Should I switch from Fidelity Total Market Index to a Vanguard Total Market ETF?
Replies: 9
Views: 1229

Re: Should I switch from Fidelity Total Market Index to a Vanguard Total Market ETF?

FSKAX has an expense ratio of 0.015% vs VTI’s expense ratio of 0.03%. There might be some tracking error differences, but I don’t see any significant advantages or disadvantages either way.

If you invested a year ago I’m assuming the capital gains would be fairly small.
by camaro327
Thu Apr 25, 2019 5:14 am
Forum: Personal Finance (Not Investing)
Topic: Received money from Wells Fargo.
Replies: 33
Views: 3593

Re: Received money from Wells Fargo.

Bank CDs must be cashed in before they can be transferred to a brokerage. A bank’s direct CDs are non-marketable securities.

Early withdrawal penalty would apply.
by camaro327
Sat Mar 30, 2019 5:04 am
Forum: Personal Investments
Topic: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?
Replies: 12
Views: 670

Re: What non-Vanguard funds to buy in Fidelity 401k BrokerageLink?

I believe there are over 300 commission free ishares etfs. The only thing is the Vanguard etfs tend to have lower expense ratios, which help if holding for the long term. You can reinvest dividends into additional shares at no fee.
by camaro327
Tue Feb 26, 2019 5:39 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8552

Re: How often do you and your friends change engine oil?

10-12000 on my 2016 CRV(without the turbo engine dilution problem). I change it when the % gets to 15% like my manual states. I do this with my Honda also. New cars can go much further than the old 3K mile advice. However, I won’t push it past the recommended interval in the manual. New engines hav...
by camaro327
Sun Feb 10, 2019 7:13 am
Forum: Personal Consumer Issues
Topic: 3 year old tires installed (Sam's club). Should I do anything about this?
Replies: 104
Views: 8720

Re: 3 year old tires installed (Sam's club). Should I do anything about this?

From my experience tire stores will not put air in your tires if they are 10+ years old for liability reasons. I’ve never heard a six year rule before.
by camaro327
Sun Feb 03, 2019 9:26 am
Forum: Personal Investments
Topic: Ally Bank's nightmarish online reviews -- should I be worried?
Replies: 97
Views: 9877

Re: Ally Bank's nightmarish online reviews -- should I be worried?

I've been with them for over 5 years. Excellent website, quick transfers, very nice for savings and checking.
by camaro327
Wed Jan 30, 2019 6:52 am
Forum: Investing - Theory, News & General
Topic: What was your first Vanguard fund or ETF?
Replies: 72
Views: 4847

Re: What was your first Vanguard fund or ETF?

First fund: Prime Money Market
First stock fund: Total Stock Market
by camaro327
Fri Jan 18, 2019 5:51 am
Forum: Personal Investments
Topic: No 401K match new employer
Replies: 29
Views: 3128

Re: No 401K match new employer

It is really easy to miss one or two really low-ER funds in the midst of lots of high-ER funds. If you list the ticker, name, ER of each fund you can have more eyes looking at it to see if there is a reasonable one in the bunch. [/quote Check for this, even before my company switched from a high co...
by camaro327
Fri Jan 04, 2019 5:41 am
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 15555

Re: Which Compact SUV Should I Buy?

WhiteMaxima wrote:
Thu Jan 03, 2019 4:55 pm
Subaru Forester or Outback. Dogs like Outback. easy jump in and out.
1 Subarus
2 RAV4
3 CRV

Coming from a nice Volvo, just stick to the higher trim levels on these.
by camaro327
Fri Dec 14, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20833

Re: Favorite Purchase of 2018?

My s9. My old phone was too damn slow. Thank goodness for the BF sale on this.
by camaro327
Wed Dec 05, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: New QUIET Tires for Accord
Replies: 37
Views: 2672

Re: New QUIET Tires for Accord

I am looking at getting some new tires for my 2014 Accord Sport. The past 2 sets (Goodyear Eagle OEM; Hankook Ventus S1 Noble 2) have been extremely noisy after approximately 15,000 miles. Honda's are not known to be the quietest of cars. The Accord Sport is a performance oriented ride so it's alwa...
by camaro327
Sun Dec 02, 2018 6:30 am
Forum: Personal Consumer Issues
Topic: Please Recommend a New Car for Me
Replies: 53
Views: 4659

Re: Please Recommend a New Car for Me

Based on your current car being a golf with manual. I would consider the new Corolla Hatchback or the Civic Hatchback. However none of these address the size issue compared to suvs/trucks. You could move to a compact SUV for ride height. Maybe something like the Rav 4, CRV, or Forester, however I do...
by camaro327
Sun Nov 25, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Replacing TPMS stem/kit when replacing tires?
Replies: 16
Views: 1364

Re: Replacing TPMS stem/kit when replacing tires?

I just replaced my tires at Sams and they didn’t push the TPMS rebuild kit. My previous set was purchased at DT and they pushed it hard. Considering Sams and Costco are more concerned with matching OEM level speed rating etc, I won’t get overaly concerned with the TPMS rebuild kit. To actually repla...
by camaro327
Sun Oct 07, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Level of Auto Insurance to carry
Replies: 35
Views: 1981

Re: Level of Auto Insurance to carry

I've never been a big fan of comprehensive insurance. Apart from hail or a tornado, it seems like it's basically to protect against theft. While my own experiences are a small sample size, I've only known two people to have a vehicle stolen, and both vehicles were very old and not valuable at all. ...
by camaro327
Tue Sep 11, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: How often do you guys get alignment done on your cars?
Replies: 60
Views: 4280

Re: How often do you guys get alignment done on your cars?

On my previous car I did it twice before I sold it. It had over 200K miles on it when I sold it. I did it once around 150,000 miles and the dealer did it again slightly after 200,000 miles. My car was is in for repairs and was returned to me with an upside down steering wheel and had to be fixed. :o...
by camaro327
Sat Sep 08, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Video Game Collection
Replies: 39
Views: 2472

Re: Video Game Collection

Some titles may continue to go up, but like others said maybe not enough to beat the s&p 500 or other stock investments. Elite baseball cards such as the 52 Mantle have continued to climb in price over the last 20 years, however they are the exception and not the rule. I think the key here is you've...
by camaro327
Thu Aug 23, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds
Replies: 62
Views: 9879

Re: Fidelity Zero ER Funds are underperforming their equivalent premium class index funds

I watched FZROX and FSTVX since the launch. It’s totally rounding error at this point. We won’t know much until a few months have passed in regards to a performance comparison.
by camaro327
Mon Aug 20, 2018 6:40 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 88526

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

That's for ETFs. Mutual Funds are priced at the end of each day. No premium or discount.
by camaro327
Thu Aug 16, 2018 3:09 am
Forum: Personal Investments
Topic: Laddering I bonds as emergency fund
Replies: 8
Views: 1147

Re: Laddering I bonds as emergency fund

You need to read the I savings bonds wiki first. Make sure you understand the difference between the fixed rate and the inflation adjusted rate. Once you have done this then you can go back and revisit whether you want to sell any of the bonds you currently own and realize the taxes that you will ow...
by camaro327
Sat Jul 21, 2018 5:35 am
Forum: Personal Investments
Topic: Marcus Bank CD early withdrawal penalty question (+ bonus question!)
Replies: 2
Views: 637

Re: Marcus Bank CD early withdrawal penalty question (+ bonus question!)

Two take-aways: 1. As long as you meet the minimum to open the account you can open two CDs at 50k vs one at 100k and that would give you the additional flexibility in case you wanted to cash one in early. 2. Also check out Barclays Bank they offer the same 3% for a five-year CD, however their early...
by camaro327
Wed Jul 04, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 47
Views: 4490

Re: Tire experts? Can I trust a patched tire?

I’ve used discount tire and they will not repair a tire puncture to a sidewall. They will for only do it if it’s an area that is repairable, usually the tread. Fine for driving as others have stated.
by camaro327
Sun Jul 01, 2018 6:23 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 89
Views: 13027

Re: What is your one favorite Fidelity Fund??

I don’t have any specific favorite, but I like there “non-enhanced” index funds for building simple index portfolios.
by camaro327
Tue Jun 12, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Impact of Fed. interest rate hike on CD rates
Replies: 4
Views: 912

Re: Impact of Fed. interest rate hike on CD rates

Would it be reasonable to assume that the future projected hikes for this year and next are also already "baked in"? Not really, because the fed comments will also be important. Short term CDs will continue to slowly track with the fed funds rate. Long term rates are more influenced by the market a...
by camaro327
Fri Apr 13, 2018 4:12 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 2208

Re: Buy I-Bonds before May 1 or After?

slayed wrote:
Fri Apr 13, 2018 1:29 am
If fixed rate goes up i'll buy at end of May, otherwise i'll wait until end of the year.
If the fix rate remains unchanged, I’ll wait until we have all the CPI numbers thru the October release and decide then.
by camaro327
Fri Mar 23, 2018 5:30 pm
Forum: Personal Consumer Issues
Topic: Costco Kirkland Brand Liquor
Replies: 63
Views: 11076

Re: Costco Kirkland Brand Liquor

Costco rum is cheap and I don’t personally like it.

Kirkland vodkas are both good. The imported is excellent and smooth especially for the price and the American makes a great mixer for price.

They also have great prices on brand names such as kettel one.
by camaro327
Fri Mar 16, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4998

Re: What is your favorite reasonably priced Rum?

Sailor Jerry For Moderate price.
Papa’s Pillar if straight. A little pricier.
Kirkland is good if you like mixing with Coke.
by camaro327
Thu Mar 15, 2018 8:04 pm
Forum: Personal Investments
Topic: To Roth 401K or To Traditional 401K
Replies: 2
Views: 423

Re: To Roth 401K or To Traditional 401K

We are going to need more info to give input. Probably your income and tax bracket at a minimum.

Generally, If you are in a "higher tax bracket" the recommendation would be to go with the traditional.
by camaro327
Sat Mar 10, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Re: Furniture Delivery Damage to Home & Furniture Recourse

Doesn't sound very small if it didn't fit through the door. :happy This made me chuckle, lightens the situation. Thanks everyone for the feedback and ideas. I've learned it's always a little hard to describe the situations, since there is so many types of furniture stores and delivery methods. This...
by camaro327
Sat Mar 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Re: Furniture Delivery Damage to Home & Furniture Recourse

wilked wrote:
Sat Mar 10, 2018 2:03 pm
They offered to fix your door, and that didn't satisfy you?
No they've fixed it as well as they can, it's loose. The key here is they could've removed the top, which they could've avoided most if not all of the damage, if they had just researched that fact ahead of time.
by camaro327
Sat Mar 10, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Re: Furniture Delivery Damage to Home & Furniture Recourse

To be honest, I don't see a lot of fault on the delivery guys for damaging your property. They are NOT furniture makers (likely hired out delivery service). They are NOT handyman or contractors. They were nice enough to try to help get it in the house (likely against policy exactly for this reason)...
by camaro327
Sat Mar 10, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Re: Furniture Delivery Damage to Home & Furniture Recourse

Do you know if the delivery people actually work for the company from which you bought the furniture? They could be contractors. I would try working with the store manager if purchased from a retail store or the manufacturer if purchased directly. Their delivery guys are employees of the retailer. ...
by camaro327
Sat Mar 10, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Re: Furniture Delivery Damage to Home & Furniture Recourse

Well with the table and chairs I'm okay with going through with it, but I'm most concerned with the damage. I don't think I can dispute this transaction. Though getting a quote for the damage sounds like an idea. Item 2. I have something else on order with them that I have asked to cancel due to thi...
by camaro327
Sat Mar 10, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Furniture Delivery Damage to Home & Furniture Recourse
Replies: 14
Views: 1872

Furniture Delivery Damage to Home & Furniture Recourse

I recently purchased a fairly expensive small table set, about $4,000. Upon delivery they had to remove the door no problem, but the table still didn't fit through and they banged up the trim paint and smashed the edge of the trim in another place. Next they tried to remove my sliding patio door and...
by camaro327
Wed Mar 07, 2018 6:52 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 18293

Re: HSA family max contribution lowered to $6850 for 2018

I would contact your HR department if your HSA is done through payroll deduction. If your HSA is done directly with a bank I would contact the bank and ask them how to remove the extra $50.

If you do this now it should not be an issue when you file next year.
by camaro327
Sun Dec 03, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 15631

Re: Price of haircut?

Small town. $15 + $20 annual tip, since I go to the same person throughout the year.
by camaro327
Sat Nov 04, 2017 3:18 pm
Forum: Personal Investments
Topic: Replacing 0% I-bond... or not?
Replies: 3
Views: 545

Re: Replacing 0% I-bond... or not?

It comes down to when you want to pay tax on these. However, you could always do a partial redemption, for example sell $5,000 of 0% and buy $5,000 of the 0.1% bonds.
z3r0c00l wrote:
Sat Nov 04, 2017 3:17 pm
I-bonds are at their best after the 5 years, I wouldn't drop it now.
+1, definitely more flexibility after 5 years.
by camaro327
Tue Jul 04, 2017 4:46 am
Forum: Personal Consumer Issues
Topic: Best Playstation 4 Games for Beginners?
Replies: 28
Views: 6719

Re: Best Playstation 4 Games for Beginners?

I just bought a PS4 (non pro) and Purchased Horizon Zero Dawn for it, I just started the game and it looks really good.

I played the original uncharted on the PS3 and plan on picking up the uncharted collection and Uncharted 4 when I get a chance.
by camaro327
Tue Jul 04, 2017 4:41 am
Forum: Personal Investments
Topic: S&P 500 Admiral vs TSM Investor Shares in 401k
Replies: 21
Views: 2318

Re: S&P 500 Admiral vs TSM Investor Shares in 401k

The difference in the expense ratios is so minimal I would base it on my investment policy statement.
by camaro327
Fri Apr 21, 2017 5:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 53677

Re: Larry Swedroe says "Goodby."

Thank you for your contributions. Great insights over the years.
by camaro327
Sat Feb 04, 2017 7:16 am
Forum: Personal Finance (Not Investing)
Topic: High Car Insurance VS Umbrella Insurace
Replies: 16
Views: 3410

Re: High Car Insurance VS Umbrella Insurace

It looks like you have a lot of bells and whistles that may be costing you a lot of money Several of these look like little tag-on maintenance goodies (OEM parts, etc). Also, I would compare the cost of comp with and without full glass. However, some states are just more expensive than others and o...
by camaro327
Mon Jan 02, 2017 5:49 am
Forum: Personal Investments
Topic: I-bonds
Replies: 41
Views: 7582

Re: I-bonds

There are two ways to buy i-bonds:

1. TreasuryDirect
2. Tax refund.

The downside is you can not redeem i-bonds for 1 year.

I would wait until May to purchase to see if the fixed rate increases.
by camaro327
Mon Jan 02, 2017 5:07 am
Forum: Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 3188

Re: 2017 I-bond purchases - buy now or wait until May?

It's possible to get a fixed rate greater than zero either in May or November, so it's definitely worth waiting.
by camaro327
Thu Dec 22, 2016 2:04 pm
Forum: Personal Investments
Topic: Roth 401(k) vs. 401(k)
Replies: 26
Views: 3442

Re: Roth 401(k) vs. 401(k)

Lets say you are putting $650 into a Roth 401k. Since you get an upfront deduction for the traditional 401k, you could put $1,000 (assuming a combined 35% federal and state tax) and still have the same amount of take home pay.
by camaro327
Sun Dec 11, 2016 6:02 am
Forum: Personal Investments
Topic: VUG - Vanguard [Growth ETF]
Replies: 5
Views: 1790

Re: VUG - Vanguard [Growth ETF]

I think this is perfectly logical as long as you continue to add to both ETFs in roughly equal amounts. In other words, not try to market time the growth or value portions of the large cap index.
by camaro327
Mon Nov 21, 2016 2:23 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Inflation-Protected Securities Is a Top Pick."
Replies: 23
Views: 5536

Re: "Vanguard Inflation-Protected Securities Is a Top Pick."

I'm not a big fan of this fund. The expense ratio is too high unless you have enough for Admiral Shares and if you have enough for Admiral Shares, I think someone would be better off with a mix of I bonds and individual Tips. It wouldn't take much effort to build a small Tips ladder.