Search found 239 matches

by camaro327
Thu Aug 16, 2018 3:09 am
Forum: Investing - Help with Personal Investments
Topic: Laddering I bonds as emergency fund
Replies: 8
Views: 960

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: Investing - Help with Personal Investments
Topic: Marcus Bank CD early withdrawal penalty question (+ bonus question!)
Replies: 2
Views: 394

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: 4124

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: 58
Views: 4847

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: 817

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: 1997

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: 58
Views: 7593

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: 4100

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: Investing - Help with Personal Investments
Topic: To Roth 401K or To Traditional 401K
Replies: 2
Views: 371

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: 1243

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: 1243

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: 1243

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: 1243

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: 1243

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: 1243

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: 14558

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: 13423

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: Investing - Help with Personal Investments
Topic: Replacing 0% I-bond... or not?
Replies: 3
Views: 472

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: 4917

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: Investing - Help with Personal Investments
Topic: S&P 500 Admiral vs TSM Investor Shares in 401k
Replies: 21
Views: 2082

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: 49779

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: 2961

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: Investing - Help with Personal Investments
Topic: I-bonds
Replies: 41
Views: 7335

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: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 3087

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: Investing - Help with Personal Investments
Topic: Roth 401(k) vs. 401(k)
Replies: 26
Views: 3312

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: Investing - Help with Personal Investments
Topic: VUG - Vanguard [Growth ETF]
Replies: 5
Views: 1399

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: 4835

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.
by camaro327
Wed Oct 26, 2016 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 3238

Re: Will the market go up or down after the election?

For any given day after the election, probably a 51% chance of going up and 49% chance of going down.
by camaro327
Sat Sep 24, 2016 8:24 am
Forum: Personal Consumer Issues
Topic: 100 Things Not Worth a Penny
Replies: 32
Views: 3655

Re: 100 Things Not Worth a Penny

modem rental
low deductibles on auto insurance (Full, $50, $100,etc.)
cheap law fertilizer
credit card fees
by camaro327
Fri Sep 23, 2016 4:43 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 83796

Re: My New Car Buying Tips

Your current policy covers a newly acquired auto for a specified period of time. Usually this is 14 days, after that you would not have coverage. Comp and Collision are usually included for 14 days. You would have to check out the definition of "newly acquired" auto in your particular policy to see ...
by camaro327
Tue Sep 20, 2016 5:47 am
Forum: Personal Finance (Not Investing)
Topic: Are Roth contributions the right thing to do?
Replies: 8
Views: 1432

Re: Are Roth contributions the right thing to do?

I think you would need to post at least your tax bracket (federal and state) for people to give feedback on this.
by camaro327
Thu Sep 08, 2016 6:09 am
Forum: Investing - Theory, News & General
Topic: S&P 500 index and funds difference
Replies: 4
Views: 861

Re: S&P 500 index and funds difference

It could be the dividends that the funds pay out. The actual index doesn't pay the dividend.

Check back after a dividend payment and see if the funds continue to depart from the index over 30 days or so.
by camaro327
Sun Jul 24, 2016 5:20 am
Forum: Personal Consumer Issues
Topic: New car or not?
Replies: 43
Views: 4758

Re: New car or not?

Yes a mid-size car will be more stable due mostly to the added weight. However, it does mostly come down to tires and dedicated snow tires would help in the winter. Otherwise just get an SUV for the additional ground clearance in the winter weather.
by camaro327
Sun Jul 10, 2016 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Putting Your Emergency Fund In I Bonds?
Replies: 28
Views: 6893

Re: Putting Your Emergency Fund In I Bonds?

I think this is a great strategy and savings vehicle to use for your emergency fund. You seem to already understand the 12 month holding period, which is the only drawback.
by camaro327
Thu Jul 07, 2016 12:11 pm
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 4215

Re: Sentra or Corolla?

I would go with the Civic or Mazda 3, because those are both on the sportier side. If you just want a small hauler, I vote for the Toyota.
by camaro327
Fri Jun 03, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 6405

Re: Anyone have experience with Goldman Sachs online savings?

I've used GSbank and had the same experience as DaftInvestor.

However, why not open a second account at Barclays. Each account would have it's own limit on the number of monthly withdrawals.
by camaro327
Sun May 22, 2016 5:31 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 72
Views: 7160

Re: Which HBO show to watch next?

I've watched Rome and Big Love and enjoy. I didn't like Veep, however someone that likes the type of humor the show uses probably would.

Rome is great since it is a little GOTish.

I think I'll look into Boardwalk Empire and Deadwood next.
by camaro327
Thu May 05, 2016 5:27 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 69
Views: 13559

Re: I Bond rates for May 1 announced

Looking for some education. Why do so may smart people on this thread think it is worthwhile to invest in I Bonds over a 5 year CD at this time? The current 5 year CD rates are definitely higher yielding- 2%- 2.25%, and these CDs can be broken (early withdrawal) at 6 months loss-of-interest in case...
by camaro327
Wed Apr 27, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Total Bond fund
Replies: 7
Views: 1669

Re: Fidelity Total Bond fund

It's okay in a tax-advantaged account. I would still prefer the spartan US bond index with it's lower expense ratio.
by camaro327
Mon Apr 25, 2016 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 5505

Re: I Bonds before end of the month?

csm wrote: On the other hand, is it that difficult to invest in a low to moderate risk bond index fund that should return at least the rate of inflation over time?
The bond index fund doesn't have tax deferral or principal protection. I bonds have both.
by camaro327
Sat Mar 26, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Considering S&P 500 Index and Total Stock Market Index in portfolio....
Replies: 10
Views: 1583

Re: Considering S&P 500 Index and Total Stock Market Index in portfolio....

This is not a recommendation but you might consider the 500 or TSM (not both) plus a small cap fund with your desired allocation between the two funds. This could accomplish what I think you are trying to do. +1 As others have said these two are almost identical in performance. I would add a small ...
by camaro327
Sat Mar 19, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401k or Loan?
Replies: 9
Views: 867

Re: 401k or Loan?

If this is a mortgage I would leave the loan and increase the 401k contribution. If it's a car loan or something else, I would pay the loan off first.
by camaro327
Sat Mar 19, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: 401k or Loan?
Replies: 9
Views: 867

Re: 401k or Loan?

I'm not seeing the size of the loan or the OP's tax bracket. Without those two pieces of information there is not much to base a decision on.
by camaro327
Fri Feb 12, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: ETF XLP Consumer Staples and Non-Qualified Dividends
Replies: 4
Views: 415

Re: ETF XLP Consumer Staples and Non-Qualified Dividends

Thanks livesoft, it is a long term holding I've had for several years and have not sold. Each year the amount of non-qualified dividends has risen, but to 100% seems odd.
by camaro327
Fri Feb 12, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: ETF XLP Consumer Staples and Non-Qualified Dividends
Replies: 4
Views: 415

ETF XLP Consumer Staples and Non-Qualified Dividends

I just received my 1099 and it list all dividends for my XLP Consumers Staples Select Sector SPDR as non-qualified. Is it possible for an ETF to have all non-qualified dividends or is it likely I'll get a corrected 1099?
by camaro327
Sat Nov 14, 2015 2:45 pm
Forum: Personal Consumer Issues
Topic: New Car - Acceptable Initial Mileage ?
Replies: 27
Views: 32197

Re: New Car - Acceptable Initial Mileage ?

The 2 new cars I bought had 60 and 10 miles on them. I would look at anything over 100 miles as needing an additional discount to entice me. I'm buying a new auto, not one that was used by employees to play NASCAR on their way to and from work.
by camaro327
Thu Oct 01, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: I-bond vs taxable
Replies: 5
Views: 934

Re: I-bond vs taxable

Quite a few people endorse I-bonds here. However, from May 2015 to October 2015 there is no good reason to purchase these since the first 6 months is a guaranteed 0% interest rate. If November turns positive, which it would be pending the October CPI release, that would rekindle some of the interest...
by camaro327
Sat Aug 08, 2015 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 7807

Re: Current CD rates and online banking

I would search the forum for topics such as Bonds vs CDs. There have been several recent threads related to this topic.

Also, both bankrate and depositaccounts.com have several articles about online banking safety.
by camaro327
Sat Aug 01, 2015 5:26 am
Forum: Investing - Help with Personal Investments
Topic: 85 Year Old with $150K to invest
Replies: 12
Views: 2661

Re: 85 Year Old with $150K to invest

I would go with the normal retirement income mix using these options:

20% in VTSAX
80% in a 3 to 5 year CD ladder with 1 year rungs (not brokerage CDs)
by camaro327
Mon Jul 13, 2015 6:57 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 53
Views: 8416

Re: I-Savings Bonds

They accrue interest monthly so you would have 12 different maturities vs 1 if you just bought them all at once.

More of a bookkeeping downside if any.