Search found 158 matches

by czr
Fri Jul 27, 2018 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Yet another "can I afford it"?
Replies: 42
Views: 4162

Re: Yet another "can I afford it"?

Whoa, $9k and 6k cars with that income and those assets? Time to live a little. Besides BMW also test drive Audi like an a7 for sedan, Q5, Q7, etc. Two year old used is an option but they heavily subsidize lease vehicles and it includes maintenance so if you plan to keep it only 3 years and mix it u...
by czr
Tue Jun 19, 2018 12:30 pm
Forum: Personal Consumer Issues
Topic: How much car to buy reasonably?
Replies: 86
Views: 5844

Re: How much car to buy reasonably?

I test drove a 328i and GTI back to back and bought the latter in proper stick. That bimmer just felt heavy, did not have the road feel and it was $10k more. I think the 2 series is more of what I wanted but with little kids and the need for space it just wasn't in the cards. My brother has an M2 an...
by czr
Wed Apr 25, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: New car pickup today.
Replies: 48
Views: 3769

Re: New car pickup today.

NO to both.
by czr
Thu Mar 22, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 25057

Re: Alternative to Google Finance? [Portfolios feature deprecated]

Yeah, this is sad as been using Google Finance for many years and liked the simple and quick interface. I just jumped jumped back on the Yahoo Finance portfolio view and it's not bad.
by czr
Thu Mar 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 711
Views: 105822

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I own a 2018 Honda Accord, the 1.5L engine, not the 2.0. Does the Accord have the same engine as the CRV? I believe it is the same 1.5 liter turbo motor as the the Accord from 2018 but it also is in the 2016+ Civic which has been around for a while so check to see how those have been running and an...
by czr
Mon Mar 12, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 3100

Re: Small windfall, would like some advice

I also think $10k is a lot for one year's worth of vacation. I also would not be comfortable with your emergency fund or retirement accounts especially with a non-working spouse and only a borrowed car. The other danger here is getting used to this windfall this year and not being able to save the m...
by czr
Mon Feb 26, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Laid off 3 years before plan, should I retire anyway?
Replies: 59
Views: 6841

Re: Laid off 3 years before plan, should I retire anyway?

Do you spend $80-100k in annual expenses now even before healthcare insurance? Maybe you need to think that through and break that out a bit more in detail. It sounds like you have plenty of money, have been and will be pretty frugal with it.
by czr
Thu Feb 08, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Below Admiral Shares Minimum
Replies: 7
Views: 1101

Below Admiral Shares Minimum

With stocks fluctuating heavily, just curious when Vanguard will reclass to Investor Shares if you just met the Admiral Shares minimum? Also thinking this could be an administrative nightmare for those who just put in funds at the admiral shares amount.
by czr
Sat Jan 20, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with my investments. Too much cash
Replies: 16
Views: 2473

Re: Help with my investments. Too much cash

I noticed this but at your stated age, isn't Hsa contribution too much? I thought it was $6.9k total per family under 55 and you have unless that $1.5k is included in that $6.5k number:

$6.5k + 1.6k(employer) HSA

I made mistake in the past and had to take a withdrawal for excess and pay taxes.
by czr
Fri Jan 12, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiate lease payoff?
Replies: 3
Views: 384

Re: Negotiate lease payoff?

I think negotiation at buyout at end of lease depends on the make. I've heard that luxury brands do lower the buyout but not the more economical cars. Of course, there are general rules with certain makes and it depends on the current local market and the demand of the vehicle. Always, check the sel...
by czr
Thu Dec 28, 2017 2:40 am
Forum: Personal Consumer Issues
Topic: Time to buy a new phone?
Replies: 29
Views: 2324

Re: Time to buy a new phone?

You should upgrade to the S8. I'm on S7 edge and Note 4 previously and there are lots of software and hardware improvements make it so worth it. The Note 4 is also the last Note with user changeable battery and I had a few packs and I wouldn't waste money on a battery. I've heard only positive thing...
by czr
Thu Dec 14, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 63
Views: 8016

Re: State Farm Insurance, Time to Leave

State Farm increased our automobile policy as well by 10% recently and shopped five other carriers. Geico was same price. Allstate, AAA, Mercury, all more expensive and Progressive came in cheaper and saved me 20% over SF's new prices. I was with SF for 10+ years and had home bundled. Keeping home p...
by czr
Thu Sep 07, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Keep or let go of my car?
Replies: 44
Views: 4336

Re: Keep or let go of my car?

List out your problems. Turbo is one part but there has to be much more for a $5-6k in repairs.
by czr
Thu Aug 17, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 824

Re: Sales Tax Calculation when Buying Online

I heard back from the seller. They said they charge all U.S. buyers the highest sales tax rate (based on NY).. they offered to reimburse me. So I guess the moral of the story is that they keep the difference unless some goofball like me calls them to ask about it. This is very scary. The sales tax ...
by czr
Wed Aug 09, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a New Car?
Replies: 42
Views: 4121

Re: Should I Buy a New Car?

Sounds like you want a new car. You kept the old one 8 years and since it is a Toyota your cost per mile and per year is good. It's not like you are asking about a crazy luxury purchase here so a new $20k car is reasonable.
by czr
Tue Aug 01, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fed HCOL, considering taking significant pay cut to switch to teaching.
Replies: 21
Views: 2791

Re: Where can I improve? Am I on the right track?

What did you use your TSP loan for and what are the costs, interest rate, dates associated with that loan? What is the interest rate on the car? Do you have life insurance?
by czr
Mon Jul 31, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: traditional or Roth 401(k)?
Replies: 12
Views: 1118

Re: traditional or Roth 401(k)?

"if your employer offers both traditional and Roth accounts, any match goes to a traditional account." So, I'd really actually be getting a mix of both accounts with the Roth option? The match from your employer's contributions would be going to your traditional 401k not ROTH 401k. In your 401k bro...
by czr
Fri Jul 28, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: My life so far, my student loan refinancing, and my next steps
Replies: 8
Views: 1265

Re: My life so far, my student loan refinancing, and my next steps

Congrats that you found your way and it sounds like you are really happy! I think the goals are good overall but a little too much going on and just a little out of order. After the 3 months emergency fund, I would focus on increasing HSA contributions to the annual max because of the triple-tax adv...
by czr
Fri Jul 28, 2017 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Car Loan vs Investments
Replies: 10
Views: 1444

Re: Car Loan vs Investments

Ask your question in two years when you actually need to act because the interest rate environment will be different than today so your choice may be more obvious.
by czr
Fri Jul 28, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Starter Questions
Replies: 21
Views: 1869

Re: Starter Questions

No one has a crystal ball and people have been saying the market will crash the last 4 years yet those people don't pull out of the market and go all-cash. If you're time horizon is longer than 10 years you should be fine. If you are nervous, you can put part of the money in there now just to be in ...
by czr
Wed Jul 26, 2017 3:41 am
Forum: Personal Consumer Issues
Topic: Need Options - Honda Accord Incredibly Uncomfortable Seats
Replies: 110
Views: 19338

Re: Need Options - Honda Accord Incredibly Uncomfortable Seats

There would be no reason for the op to bash Honda and then suggest himself to pick the Acura. It's the same car company so it's not like he's a shill for another car manufacturer bashing a brand then recommending the luxury line of the same brand. Seems pointless. Anyway, I have a 15 TLX tech and ha...
by czr
Tue Jul 25, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pausing 401k to Pay Debts?
Replies: 48
Views: 3546

Re: Pausing 401k to Pay Debts?

My original thought was that I should contribute as post-tax because then I wouldn't have to pay taxes from the higher tax bracket when I take it out at retirement. My husband will complete residency in 2 years and we are expecting to jump into the 33%/35% tax bracket at that point. Chances are you...
by czr
Sun Jul 23, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 4754

Re: 2017 Genesis

From past history with shopping for the Genesis the negatives were

Awful depreciation
Poor interior material quality after a few years
Poor dealer experience because you are servicing at the same shops as a $10,000 model
Hyundai stigma and cachet not a luxury brand
by czr
Mon Jul 03, 2017 9:49 pm
Forum: Personal Consumer Issues
Topic: Expensive Car Repair, New Engine
Replies: 51
Views: 5173

Re: Expensive Car Repair, New Engine

Take it to a Ford dealer for the second opinion and if the diagnosis is the same have the service manager open a complaint to Ford headquarters and they may cover most or some of a rebuild, remanufactured, or new engine and install. Your power train warranty just expired it so a goodwill repair is f...
by czr
Tue Jun 27, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest money from selling our house
Replies: 6
Views: 606

Re: How to invest money from selling our house

Welcome! If you need cash in less than 5 years keep it liquid in a online savings account. If your horizon for cash is over 10 years, invest it. I understand thought that you need a place to live but just don't count on a house as an investment. I would shy away from buying only because if you buy n...
by czr
Wed Jun 21, 2017 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage and Low-Income
Replies: 26
Views: 3691

Re: Mortgage and Low-Income

After you move and rent, set up your monthly budget as if you bought a home with property taxes, insurance, maintenance with your other ordinary household expenses while saving for retirement. You should be comfortable enoughYou will learn quickly what your new budget will be. One thing that sneaks ...
by czr
Tue Jun 20, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Planning Around Partner's Student Loans
Replies: 30
Views: 3527

Re: Planning Around Partner's Student Loans

Write out all your other assets, debts, and monthly expenses so you have a more comprehensive plan. Individually, her income isn't great but together you make $240k annually with $225k in student loan debt and you say you don't plan on having kids so expenses should be low. Refinance your loans to l...
by czr
Mon Jun 05, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Worth it to buy expensive clothes?
Replies: 91
Views: 13115

Re: Worth it to buy expensive clothes?

Did you lose a sack (or many sacks) of potatoes in weight the last 8 years? I buy a couple work shirts/pants every year but make sure they have a good modern fit for my body type. Since your SO affectionately called you out on it and you trust her, have her double check your purchases.
by czr
Fri Jun 02, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 8426

Re: Used 2013 Audi A5 or New Honda Accord Sport

That Honda Accord Sport is very spartan and considered lower end compared to the other Accord models (EX, EX-L, Touring) let alone Audi as here are some Cons: Sluggish 4 cylinder when paired with the ho-hum CVT Weak 4 Speaker Radio with No HD Radio/XM/Android Auto/Apple Carplay No Smart Entry Key fo...
by czr
Wed May 31, 2017 11:10 pm
Forum: Personal Consumer Issues
Topic: Car engine dispute
Replies: 29
Views: 3480

Re: Car engine dispute

I've had goodwill partial refund paid ($980) after warranty period and 12k miles with a lengthy letter to corporate but had the work done at the dealer when issue was found and was out of warranty. With all your nonaction for 2 years and another 34k miles you're fighting an uphill battle. I'd say if...
by czr
Sun May 21, 2017 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Job change--crazy financial move?
Replies: 9
Views: 1740

Re: Job change--crazy financial move?

With that pay and vacation, Job 1 gives you the ability to visit your family and friends almost weekly if you wanted but you can't buy time and happiness. You just need to write down your weighted priorities and choose but every day you stay where you are is affirmation of your decision to be where ...
by czr
Wed May 17, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: State Farm Drive Safe & Save Program
Replies: 14
Views: 4275

Re: State Farm Drive Safe & Save Program

Does anyone have any recent experience or have any updates on this State Farm Drive Safe & Save Program with people who have been on this with the new smartphones and Bluetooth technology? I asked my agent about it and they said I could save 5% annually on our cars policies. I wanted to get boglehea...
by czr
Sat May 13, 2017 2:20 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 6999

Re: Cars: Expense or Asset?

For me, the biggest difference between the two is that the car is also a LIABILITY, much more so than a house. It can be in an accident and you can lose not only the car's value but also incur injuries/losses that are more than what your insurance(s) will cover. I get what you're saying but someone...
by czr
Sat May 13, 2017 2:16 am
Forum: Personal Consumer Issues
Topic: Cars: Expense or Asset?
Replies: 84
Views: 6999

Re: Cars: Expense or Asset?

Accountants unite! It's an asset and expense. Many bogleheads buy their cars with cash so let's say they buy that civic new for $25k with no loan. It's got cash value just not super liquid. If you have a loan, it's an asset coupled with a liability. It's my fourth biggest hard asset after cash/Vangu...
by czr
Fri May 12, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever have enough for a condo/house in Cali?
Replies: 42
Views: 4126

Re: Will I ever have enough for a condo/house in Cali?

Focus on maxing out your savings rate and stockpiling cash for the right opportunity. A $400k mortgage is about $2,000, and add property taxes, insurance, maintenance, upkeep and utilities so you are closer to $3,000 just as a monthly ongoing expense so you'll need to save more or grow your income c...
by czr
Fri May 12, 2017 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1892

Re: Struggling with new offer Vs. current position

*Move away from the stale taste of my present firm - some internal politics and portfolio problems are really causing the business to drag and I think it will stay this way for at least 2-3 years *No clear career path *Fear that I will not get over the stale taste of my current job *I don't see my ...
by czr
Fri May 12, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Staying the course with our plan
Replies: 16
Views: 1676

Re: Staying the course with our plan

Listen to Dave Ramsey podcast daily to motivate you and keep you focused on bad debt and to hear about other people's dumb mistakes and him lambasting them. You just need to tune out his advice on investing especially not taking free 401k contributions. Also, keep a spreadsheet and print it out and ...
by czr
Wed May 10, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help appreciated, if you can be patient with a newbie
Replies: 12
Views: 1769

Re: Help appreciated, if you can be patient with a newbie

Move to Vanguard or similar and automatically invest and stick with the passive 3 fund portfolio.
by czr
Tue May 09, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Kiplinger vs. Vanguard
Replies: 12
Views: 2977

Re: Kiplinger vs. Vanguard

I subscribe to Kiplinger magazine for the variety of content in personal finance and not just investing advice. I like to get a pulse on how how traditional investors look at things. They did have an article in March on best way to invest in Index Funds: http://www.kiplinger.com/article/investing/T0...
by czr
Mon May 08, 2017 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Are we doing better now?
Replies: 20
Views: 3370

Re: Are we doing better now?

I would max your HSA first. Then at your tax bracket, max 401k before ROTH. I wouldn't be in a hurry to pay off either car note as long as you are not blowing the money since they are pretty cheap and inflation is rising. There are many strategies out there and differing opinions so do your research...
by czr
Thu May 04, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 26374

Re: Buying a luxury car (how dumb would it be to do this?)

You deserve and can afford an upgrade. Buy a used 2-series or 3-series and keep the Rav4 and Odyssey. Show your wife what you'll be saving and she will be in. You're the one driving it anyway. If you're generous you could take the RAV4 and have her drive the bimmer once in a while but be careful spo...
by czr
Wed May 03, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution
Replies: 9
Views: 1833

Re: HSA contribution

I would do the following: 1.Contribute 401k to until you hit employer 100% match 2.Max out HSA to annual match ($6,750 family, $3,400 individual) 3. 401k to Max 4.Spousal IRA The HSA is triple tax advantaged and you can buy investments with it. You also don't have to use it immediately and you can l...
by czr
Wed May 03, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Bogle-Based Action Plan - Looking for a Second Opinion
Replies: 5
Views: 841

Re: Bogle-Based Action Plan - Looking for a Second Opinion

Your plan looks good if you plan to try to go all-Vanguard. Check to see the offerings in your old 401ks as they may have cheaper than Vanguard because of the size of the employer. Not all companies require you to move or charge you for keeping their 401ks with them. You could even consolidate your ...
by czr
Tue May 02, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 17229

Re: Most Common Financial Mistakes

Spending for the now and not thinking about the future. Falling for consumer traps and trying to compete with others. I think these are things most people do especially in their 20s.
by czr
Mon May 01, 2017 10:04 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 12932

Re: Are we all forgetting our taxable accounts?

I'm in my late 30s, 25% bracket, and only started investing in taxable accounts this year. This is only after topping out both our HSAs, 401ks and partial Roth this year and put 20% down on house purchase and kept emergency fund in tact with kids in daycare. I don't know many people in my age that I...
by czr
Wed Apr 26, 2017 4:57 am
Forum: Personal Finance (Not Investing)
Topic: First Mortgage, need help with financial considerations (15 vs. 30 year)
Replies: 24
Views: 2809

Re: First Mortgage, need help with financial considerations (15 vs. 30 year)

Lock in the 30 and put more to tax deferred and sleep better at night. As raises come, you can always pay it off quicker. Re-read your post. It gives you the flexibility you need. Definitely shop around for better rates and closing costs.
by czr
Fri Mar 31, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: thoughts on car choice/payment?
Replies: 21
Views: 1985

Re: thoughts on car choice/payment?

How much more in payments/loan amount do you have on the vehicles? Depreciation on vehicles the first 3 years is the highest so you are just throwing money out the window whenever you drive compared to a used vehicle. Buying new only makes sense if you plan to keep it for a long time.
by czr
Fri Mar 31, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 8626

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

I don't think it is bad if you can manage the risk of 'losing' the manufactured spends if using gift cards. The sign-on rewards are there to entice people to sign up with the hopes the consumer will use the card and not pay off the balance every month and the issuer can recoup their investment via i...
by czr
Wed Mar 22, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 8676

Re: How did graduating out of daycare impact your finances?

I think for younger family bogleheads which are mostly upper middle class, it is an easy math problem to factor in the $800-1200 per kid childcare cost for 5 years. Just adjust and spend less discretionary income. Now consider lower class or single mother families and things become very difficult. I...
by czr
Wed Mar 15, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Investing Small
Replies: 14
Views: 1818

Re: Investing Small

Any ideas to get this to work out efficiently and not get things eaten by fees? The most effective way is to invest at Vanguard directly, and be able to buy Vanguard index funds for zero commission and zero fees. You mentioned Fidelity. They have low-cost funds as well. If you're more comfortable w...