Search found 86 matches

by tin369
Sun Oct 21, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1514

Re: Am I doing it right?

A couple of more question, can I contribute to 401k and IRA? Is the IRA account also a tax deferred account?

Really need to learn how to do the Roth backdoor conversation. Is there a easy step by step on how to do this.
by tin369
Sun Oct 21, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1514

Re: Am I doing it right?

I do have HSA, juts looked through the benefits program and looks like it was added to our benefits. How does it work? We both work at the same place and my spouses income is more $130k and I am dependent on the healthcare plan and my income is 80k. I suspect your are reading a list of potential be...
by tin369
Sun Oct 21, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1514

Re: Am I doing it right?

I do have HSA, juts looked through the benefits program and looks like it was added to our benefits.
How does it work? We both work at the same place and my spouses income is more $130k and I am dependent on the healthcare plan and my income is 80k.
by tin369
Sat Oct 20, 2018 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1514

Re: Am I doing it right?

No HSA available, maxing out 401k for both, not contributing to Roth as combined income is high.
Yes emergency fund in checking and savings account. Also in case of emergency I can get the money out of the brokerage account right?

Backdoor Roth sounds very very confusing.
by tin369
Sat Oct 20, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing it right?
Replies: 17
Views: 1514

Am I doing it right?

My wife and I are maxing our our 401k and also saving some money every month from the net income. I had set this up for automatic deposit to our savings account but recently decided to put the automatic inventing in vanguard VTSAX fund in a brokerage account. It’s $1000 a months, is this a good appr...
by tin369
Sat Oct 20, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

This question is more for families with kids and what Ian your typical weekend look like. One of the things as I mentioned earlier for us thinking to move to SD is that the weather here in philly or the northeast is starting to get grey and cold and you can’t go out and do things with kids, and ther...
by tin369
Fri Oct 19, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

I think we have to adjust our mindset first of going for a smaller house and paying a lot more for it but that’s what costs to get year round good weather and living in California. What areas are where the jobs are and what neighborhoods have the walking and biking trails to go to the park or to the...
by tin369
Tue Oct 16, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

Those are some good points, looks like securing a job is the first step, based on the job location get a home closer so that the commute is not too long. The traffic situation sounds like it’s horrible during rush hours. We would be visiting family frequently so closer we are better. I will do some ...
by tin369
Mon Oct 15, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

ok, so looks like majority of you say to move, now I need a couple of more pieces of information. We are in banking industry and in the learning and development space, I am thinking there will be jobs in this field in SD as well,in the tech, biotech sector. We really don't want the summer heat of 90...
by tin369
Sun Oct 14, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Re: Should we move to San Diego from east coast?

We are in the suburbs of Philadelphia, and annual combined income of 195k. Our family lives in La Jolla and we surely would be looking at towards north country, SD. La Jolla is too expensive, we are seriously thinking about it but the plan is to move in a year or so if we do. Trying to see if we can...
by tin369
Sun Oct 14, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10969

Should we move to San Diego from east coast?

We are a young family and live in the east cost now and have family who live in San Diego. Whenever we go to SD we always think of moving there, the weather there is good almost most of the year. The part that makes us think more than twice is the real estate price and taxes. But on the other hand y...
by tin369
Sun Oct 14, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Savings account or Vanguard MM?
Replies: 4
Views: 559

Savings account or Vanguard MM?

I have about 50k in savings account and thinking of moving it to either a HY savings account like Amex savings or ally or would be it better to put it in the the vanguard prime mm. I like that in my current savings account I can make multiple accounts and give nicknames and earmark for specific thin...
by tin369
Sun Nov 26, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 4296

Re: Best auto loan rates?

I am looking for a used car loan, so the dealer did tell me that I have 5 days to get my own financing if I don't like their rate, but will it be a one time credit hard check. Meaning if tomorrow the dealer run my credit application, and I shop online for rate the next day is that 1 enquiry or 2? Wh...
by tin369
Tue Nov 21, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 4296

Re: Best auto loan rates?

I have heard about lighstream, I have a good credit score, but I have heard that you need to have prior history of having loans in order to qualify?

have any of you have any experience buying from CarMax?
by tin369
Tue Nov 21, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Best auto loan rates?
Replies: 19
Views: 4296

Best auto loan rates?

Hi all, I am getting ready to buy a car Audi Q7, I will make a 20% down payment and most likely order one, since the dealers around me don't have any with my exact specifications. If I do order 1. when should I apply for a loan? 2. who has the best 60 -72 month rates right now? 3. can I lock in the ...
by tin369
Mon Oct 23, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Any BMW X5 owners?
Replies: 17
Views: 3098

Re: Any BMW X5 owners?

I am looking at an Mpsort 2015 X5 cpo, but hearing so many people say not to own it out of warranty makes me not take the risk. We did lease a 328xi and it was great, but don't know if it would have had issues if we had kept it past it warranty. I don't want to lease it, and definitely don't want to...
by tin369
Thu Oct 19, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Any BMW X5 owners?
Replies: 17
Views: 3098

Any BMW X5 owners?

Hi all, I am thinking of getting a new car cpo and have always wanted a BMW X5, I was wondering how many who have owned the BMW x5 are happy with it and have owned it beyond the warranty period. I think a 2-3 year old CPO is a good way to get into a luxury car. Just wanted some opinions from owners ...
by tin369
Mon Jun 19, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking progress to $1M portfolio and no mortgage by 40
Replies: 96
Views: 25747

Re: Tracking progress to $1M portfolio and no mortgage by 40

This is a very motivating thread, can people in tech sales tell me how do you get into that kinda job? I have had a late start in my career and right now looks like the only way to have that kinda portfolio is by having a high paying job, which will allow you to have a substantial savings each year.
by tin369
Mon Jun 19, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 1719

Re: Finishing Basement - financing?

I think its called upflush toilets, saniflow is one brand that I have heard of.
by tin369
Thu Jun 15, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 1719

Re: Finishing Basement - financing?

Another question about flooring, I have read so many people against putting carpet, but I feel anything other than carpet will not feel warm and cozy. I also don't have plumbing rough ins but am thinking of getting those toilets that don't require drilling a hole. Anyone here has any experience with...
by tin369
Wed Jun 14, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 1719

Finishing Basement - financing?

Hi all, So I am thinking of finishing up my basement through a contractor, after speaking to a friend who recently got his basement finished he said it cost him about $40,000 to finish his basement with a full bathroom and bedroom. He paid the labor part of it with cash about $20,000 and for the mat...
by tin369
Wed Apr 05, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 122
Views: 18286

Re: High Income earners, whats your Tax Strategy?

How does HSA work, I do get my health insurance from work, so I don't think I can have a HSA, can I ?
by tin369
Wed Apr 05, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 12388

Re: Buying expensive car, how to keep payments low?

Can I delete this thread, :D I sure should not have asked this question on here. Some people regardless of how rich they are don't care about what car they drive and that's fine, but I am sure they all or all of you have something that excited you and you splurge on those things. Yes I don have $70,...
by tin369
Wed Apr 05, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 12388

Buying expensive car, how to keep payments low?

Hi all, I have a rav4 which has about 128,000 miles and I have had the car for about 7 years now. I want to buy a new car (luxury) and considering the Q7. The price as optioned comes out to around $67,000, CarMax gave me a quote of $7000 for the RAV4, if I trade in the rav4 my cost for the q7 will b...
by tin369
Wed Apr 05, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 122
Views: 18286

High Income earners, whats your Tax Strategy?

Hi all,

My wife and I are maxing out 401k, but as our combined income is increasing, what other ways are there to save on taxes? I am interested to hear what some other high income earners are doing to save on taxes?
by tin369
Mon Feb 27, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 4816

Re: Outdoor grill: gas or electric?

I have never grilled before and want to get a grill as well, thinking of getting the gas grill, weber e310.
anyone has this grill and how do you like it? will Lowes install it for you when they deliver? also don't know what's the difference between the th lowes vs. HD version.
by tin369
Tue Feb 21, 2017 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 998

Re: Auto Finance question

We've had great experience with Lightstream. As long as you have decent income and credit score, you'll qualify for their great rates. The process is fairly quick as well. I have only recently heard about Lightstream, can you tell me more about the process you went through. I have a score around 78...
by tin369
Tue Feb 21, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Audi Q7 Reliability
Replies: 79
Views: 22429

Re: Audi Q7 Reliability

I am also interested in the Q7 and would like to know the long term ownership cost. I was going to initially lease, but Audi's leases are not as great as MB or BMW, so low rate interest financing makes sense. I am just looking for any input of existing q7 owners who either still have the older q7 or...
by tin369
Tue Feb 21, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Finance question
Replies: 8
Views: 998

Auto Finance question

Hi all, I was hoping that the someone here would be able to give me suggestion for the best way to go about financing a car. The loan amount I am looking at will be about $65,000. Initially I thought I would pay about $20,000 or so a down payment and finance the rest. however with low interest rates...
by tin369
Fri Feb 17, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1605

Re: GL450 CPO vs. Q7 New

Just out of curiosity, why did you give up on the MDX? We've had excellent experiences with Acura, including an MDX and RDX. I don't know what their CPO program is like, but I assume it's competitive with the other "luxury" brands. The new grill design of the MDX is growing on me, however the infot...
by tin369
Fri Feb 17, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1605

Gl450 CPO vs. Q7 New

I am now also seriously considering the Q7, I looked at the lease and it does not lease well, do you guys think it is a good idea to buy? If buying I will have to put at-least $30,000 down to have a lower monthly payment. Does it make sense financially to do so?
by tin369
Thu Feb 16, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1605

Re: New or CPO luxury SUV?

Buying CPO (3-4) year old cars will save a lot compared to buying new and though I do not have any experience with said SUVs, I will recommend financing through PenFed or Lightstream. The latter's process is much more simple and depending on credit/income you can finance the whole purchase price; w...
by tin369
Thu Feb 16, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: GL450 CPO vs. Q7 New
Replies: 10
Views: 1605

GL450 CPO vs. Q7 New

Hi all, Need to get some advice from the BH community. I have a 2009 RAV4 V6 and need to get something bigger. I started out with the MDX, XC90 and then found out about the GL450, a 2014 CPO can be had for around $50,000 or so. I was wondering if buying a CPO would make sense since it has already go...
by tin369
Tue Aug 02, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1878

Re: Refinance - need experts help

Ok original loan was for 400,000 @ 4.3% 30 year fixed. 27 years left on the mortgage. What would be the calculation that would make sense to refinance given the above numbers. Exactly how much do you owe now, and exactly how long have you been making payments? Here's an estimate that is probably cl...
by tin369
Mon Aug 01, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1878

Re: Refinance - need experts help

Ok original loan was for 400,000 @ 4.3% 30 year fixed. 27 years left on the mortgage.

What would be the calculation that would make sense to refinance given the above numbers.
by tin369
Mon Aug 01, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1878

Re: Refinance - need experts help

Shop, shop, shop for the best rate (and closing costs!) The 1st thing you will need to know (or at least guestimate) is how much you owe on your current mortgage and how much your house is worth. How much you owe should be easy, it should be on your mortgage statements. How much your home is worth ...
by tin369
Mon Aug 01, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Refinance - need experts help
Replies: 19
Views: 1878

Refinance - need experts help

Hi all, We bought our first home in 2013 at 4.30% for 30 year fixed. I am thinking of refinancing to get a lower monthly payment but don't know where to start and how to determine how much will I save if I refinance at lower rate but keep the same 30 year period. Any calculators out there which can ...
by tin369
Fri Jan 08, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 403b - new employment
Replies: 1
Views: 346

What to do with 403b - new employment

Hi all,

My previous employer offered 403b through metlife and now that I have a new employment, I was wondering what should I do my old 403b account.
by tin369
Thu Jan 07, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Which Retirement Account to Max Out First?
Replies: 11
Views: 1701

Re: Which Retirement Account to Max Out First?

I have a similar question so asking it here rather than opening another thread. So I am confused about 401k and IRA What I am doing currently is maxing out my 401k which has a employer match 100% match up to 5% of total compensation which is $75000 I also have a vanguard account where I have a Roth ...
by tin369
Mon Aug 24, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: 529 and a couple of other investment questions
Replies: 3
Views: 308

Re: 529 and a couple of other investment questions

Thanks for your responses, that makes sense.
by tin369
Mon Aug 24, 2015 7:52 am
Forum: Investing - Help with Personal Investments
Topic: 529 and a couple of other investment questions
Replies: 3
Views: 308

529 and a couple of other investment questions

Hi all, I am wondering if its a good idea to open a 529 for my child, my wife's sister was talking to my wife the other day and telling her that she has opened the UTAH 529 plan for both her kids and asked if we opened any for our child, we have a little one and she said to start early. I am not sur...
by tin369
Thu Aug 20, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check Pls - Am I doing it right
Replies: 2
Views: 373

Portfolio Check Pls - Am I doing it right

Hi all, At the beginning of this year, I found this community and have taken my finances seriously and investments as well. I just want to make sure I have made the right choice. His 403b Fidelity Spartan 500 Index Inv. this has the lowest ER of the funds offered- $24000 (started 3 years ago, but ch...
by tin369
Thu Apr 30, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 8388

Re: Backyard patio - should I invest?

Yeah I am having a hard time deciding on the lawn mover vs. paying someone to do it. As far as the weber grill, I think that's what I will go for and thanks for confirming my decision.

Yeah my neighbor has the John Deere D110 and they get it cut in about 45 min.
by tin369
Thu Apr 30, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 8388

Re: Backyard patio - should I invest?

I live in the northeast close to Philly area, and yes I have never bbq'd before and I did some reading on the amazingribs.com website and based on their recommendation thinking of getting the weber e310 spirit 3 burner gas grill. I saw some cheaper ones at Lowes, but everyone I talk to keeps saying ...
by tin369
Wed Apr 29, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 8388

Re: Backyard patio - should I invest?

I think I did not give all the details, the patio is going to be raised 2 steps from the ground and will have pillars and sitting walls, also the property is less than 3 years old so they said they need to do something called over dig. I think I will go with suggestion to just go with the grill and ...
by tin369
Wed Apr 29, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Backyard patio - should I invest?
Replies: 39
Views: 8388

Backyard patio - should I invest?

Hi all, We moved into our new house 2 years ago and have been wanting to build an outdoor backyard patio/deck. We have been putting this expense off as there were other priorities to take care of first. This year again we are thinking of having it built. A deck would cost us more, and a 20x20 patio ...
by tin369
Fri Apr 03, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1164

Re: Investment help please

I think I did not make it clear with my question, I will try again. For the elective deferral with my employer I can contribute upto $18,000 (this is pretax 403b,401k etc.) So for Roth IRA you can contribute upto $5500 (this is after tax correct) And then there is a separate taxable account which ha...
by tin369
Thu Apr 02, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1164

Re: Investment help please

I am 34 and we do have the emergency fun in a savings account. I would say my risk tolerance would be very high right now. Taylor - using the Roth IRA as an emergency fund like you said sounds like a good idea, so there are no penalty as long as I only withdraw the contributions? So I already have a...
by tin369
Thu Apr 02, 2015 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Investment help please
Replies: 8
Views: 1164

Investment help please

With the help of folks in this forum, a couple of months ago I was able to pay off my debts and now contributing to my employer 403b and have opened Roth IRA with Vanguard. Recently did my taxes and getting some refund back and would want to invest this in along with some money that is in the saving...
by tin369
Wed Mar 25, 2015 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Investing Question?
Replies: 2
Views: 431

Re: Taxable Account Investing Question?

Have 3 months emergency fund as of now, and will add more to it, before opening the taxable account.