Search found 139 matches

by ragabnh
Sun Oct 13, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 88
Views: 6874

Re: Vanguard keeps pushing their financial advisors...why?

I had PAS for 18 months and I hated it, since I lost control over my funds and had to go with their wisdom which I disagreed with, so I gave them the boots. Now I am a happy Vanguard client. I don't receive any emails from them.
by ragabnh
Wed Oct 09, 2019 8:23 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4839

Re: Help Me Decide on a New Vehicle?

Per consumer report Mazda reliability > Honda, CX-5 and CX-9 are gorgeous looking cars and worth a test drive for sure.

Highlander is a no brainer, great suv and could be bought Hybrid,

Subarus are good cars but ugly in my opinion, and I don't like CVT transmissions.
by ragabnh
Thu Feb 07, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5731

Re: Mazda Miata as Daily Commute Fun Car?

WhiteMaxima wrote:
Tue Feb 05, 2019 6:36 pm
1) Mazda 3 Hatchback
2) Civic Si or Type R
3) VW GTI
I would not even look at VW, plain and simple reliability sucks, check consumer report for why Mazda 3 is recommended and VW is not.
by ragabnh
Sun Feb 03, 2019 11:24 pm
Forum: Personal Consumer Issues
Topic: Mazda Miata as Daily Commute Fun Car?
Replies: 94
Views: 5731

Re: Mazda Miata as Daily Commute Fun Car?

Mazda 3 is a fun car, more than Civics and Corollas and they are also reliable, and the 2019 as mentioned before is also getting good reviews. I would not buy VW, it is not reliable. Civic styling screams ricer and corolla is a great car but super boring.
by ragabnh
Thu Jan 17, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57109

Re: John Bogle has died at age 89

RIP John, you are my mentor and hero.
by ragabnh
Mon Jan 07, 2019 12:51 am
Forum: Personal Consumer Issues
Topic: Dashcam dual channel (front and rear) - user recommendations
Replies: 8
Views: 1187

Re: Dashcam dual channel (front and rear) - user recommendations

I bought the following Dash Cam and rear Camera at Costco for $120 CCDC4500 – Drive HD® Dual View Dash Cam with iRadar® Costco Club Pack I installed myself which is really easy to do, works great, with exception the back Camera is dark at night, front is fine. It has parking mode feature and records...
by ragabnh
Mon Jan 07, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1753

Re: Windows 10 / Office 2019 headache

I run Windows 3.1, Lotus 123 and Word Perfect, no need to upgrade.
by ragabnh
Thu Nov 08, 2018 12:19 am
Forum: Personal Consumer Issues
Topic: Updating Microsoft Word
Replies: 19
Views: 2135

Re: Updating Microsoft Word

Would office 365 open wordperfect documents?
by ragabnh
Sun Oct 14, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6878

Re: When to stop putting money into an older vehicle

I have a 1978 Toyota Corolla that runs well enough for me, it has 380k, I have maintained through the years and it was very dependable, I think I can drive it another 20 years and may be to hell or heaven who knows. :sharebeer
by ragabnh
Sun Mar 18, 2018 1:53 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 49
Views: 5586

Re: Vanguard Personal Advisory Services Fees

Does the percentage used for Vanguard fees decrease for larger portfolios? Is it 0.30% regardless of the portfolio size? The fees are stepped: < 5 million is 0.30% per quarter. >= 5 & < 10 million is 0.20% per quarter Not sure of the rates beyond 10M Fees are not per quarter but are annual.
by ragabnh
Fri Feb 23, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: Capital One now at 1.85 [Money Market Rate To 1.85% APY]
Replies: 57
Views: 8715

Re: Capital One 360 Money Market now at 1.5%

Synchrony Bank High yield Saving Account is at 1.55%
by ragabnh
Tue Jan 30, 2018 12:29 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 119555

Re: What frugal thing did you do today?

I was very hungry this evening so I ate my 10 year old Sandals, :oops:
by ragabnh
Mon Jan 29, 2018 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 1099-B
Replies: 15
Views: 1717

Re: 2017 1099-B

received 1099-R online at Vanguard website for TIRA account but not 1099-B for the brokerage account.
by ragabnh
Sat Jan 20, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: Considering a LG 55" OLED TV
Replies: 50
Views: 6407

Re: Considering a LG 55" OLED TV

I have so many remotes on the table, I get confused all the time. :confused
One tor TV
Second for Receiver
One for DVD
One for VCR
One for Cassette
One for Roku
Another one which I am not sure :annoyed

So :confused
by ragabnh
Tue Jan 16, 2018 1:21 am
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 4403

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175. Thanks for commenting. You'd think a high end dealer would go out of their way to help far more than mainstream ones. Did you h...
by ragabnh
Sun Jan 14, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45364

Re: Anyone disenchanted with retirement?

It has been fine with the exception of continuous fights and arguments with my working wife. :annoyed
by ragabnh
Sun Jan 14, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Pre-purchase inspection: dealership or private mechanic?
Replies: 17
Views: 4403

Re: Pre-purchase inspection: dealership or private mechanic?

I asked a Porsche dealer if they can perform pre-purchase Inspection on a 911 and they absolutely refused and said they don't do it period. Indy shops will do it for $175.
by ragabnh
Wed Dec 27, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 16327

Re: Another should i buy my dream porsche thread...

By all means go for it, you are 10 years ahead of me at the time on your savings and retirement I am 62 with net worth around 3 millions, I always loved Porsche and dreamed owning one, but retirement was always on my mind and I did retire at age 59. Now I can afford paying cash for the car I always ...
by ragabnh
Thu Nov 23, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1126
Views: 286270

Re: Best watch for around $5,000?

I received as a gift a good looking RADO DiaStar watch valued at $500, it is automatic movement and Swiss made. I think it is a good value for this type of watch and I had for 4 years so far. Always bought Seiko or Casio watches, and had another gift watch in 1988 and it was Baume Et Mercier Quartz ...
by ragabnh
Thu Nov 23, 2017 11:08 pm
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 5159

Re: Honda CR-V vs Subaru Outback

Brother in Law has a 05 Rav 4 with 220k and he swears by it, but he maintains the car by the book. Toyota in general are quieter and more comfortable cars, but it is not fun to drive, CX-5 is a driver car and the most aesthetically pleasing choice.
by ragabnh
Mon Nov 20, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 7576

Re: Drive it till it dies. It died.

Honda and Acura have had their share of transmission problems, I would go with Lexus/Toyota.
by ragabnh
Mon Nov 20, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: What brand of used car - Hyundai vs Nissan?
Replies: 27
Views: 2801

Re: What brand of used car - Hyundai vs Nissan?

Nissan is twice the car Hyundai is, too many complains about Hyundai warranty.
by ragabnh
Sun Oct 15, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10914

Re: What are you driving? And would you buy your current ride again?

The best of the best 2013 Lexus LX 570, the perfect SUV. Would buy again in heart beat. :happy
by ragabnh
Sun Oct 15, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: 2018 Honda Accord
Replies: 54
Views: 8092

Re: 2018 Honda Accord

Why does the Accord crowd always aim at the Camry and try to put it down, both cars are great and selling very well for their respective companies.
I owned both brands and I would say that Toyota holds better in the very long run 10 years +
by ragabnh
Tue Oct 03, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Certified CR-V or RAV-4
Replies: 11
Views: 1524

Re: Certified CR-V or RAV-4

Engine and Transmission, probably equal and I would give a little edge to Toyota,

if you intend to keep the car long term say 10 years, definitely Toyota ages more gracefully.

Both are good choice and I second check Mazda CX5 great CUV
by ragabnh
Sat Aug 05, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 5277

Re: To buy or not to buy... [a new car]

A car with 212k is already expired and is on life support, I would do the deal.
by ragabnh
Sat Aug 05, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 6076

Re: Help me pick a car

In no particular order

Toyota Camry,
Honda Accord,
Nissan Altima,
Mazda 6
by ragabnh
Tue Jul 25, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 60
Views: 13340

Re: Murphy's Law Of Retirement

FIREchief wrote:
ragabnh wrote: Invest conservatively in income yielding funds that beat inflation, typically low yield.
What is this?
"Annuities (SPA), treasuries and other conservative investments (CD's)." Did you get it now?
by ragabnh
Mon Jul 24, 2017 11:58 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 8859

Re: Most Americans don't trust financial advisers

How about Vanguard Advisers that work for 0.03% fee, are they different than the salesman, I just talked to one and he is preparing investment plan and once ready he needs 45 minutes to explain to me. Anyone with experience with Vanguard advisers or work with them at this time, I appreciate the input.
by ragabnh
Mon Jul 24, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 60
Views: 13340

Re: Murphy's Law Of Retirement

Early retirees should consider liquidating their positions if they won the game, there is no point in being greedy and the markets are at all time high at this time. And do what with it? The market is often at all time highs when looking backwards. Whether it is a peak can only be known after the f...
by ragabnh
Wed Jul 19, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: Road noise in 2017 Honda CRV?
Replies: 32
Views: 18299

Re: Road noise in 2017 Honda CRV?

Toyota trumps Honda when it comes to quietness in a car, I would consider Rav4 or better yet Highlander.
by ragabnh
Fri Jul 14, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 5902

Re: Coyote control

I defecated around the backyard which expelled all wild and civilized life and I have new friends, lots of flies. :D
by ragabnh
Thu Jun 08, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 11579

Re: Used 2013 Audi A5 or New Honda Accord Sport

I apologize to the Honda guys, I guess I hit a sensitive nerve. All Honda lineup is boring except the eighties CRX, NSX and S2000. Toyota is boring but is more robust and reliable car than Honda.
by ragabnh
Thu Jun 08, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 5467

Re: E*Trade Account Closure fees

My other Etrade account is brokerage and I have 140k of equities. I want to consolidate at Vanguard as most of my retirement accounts/investment are there. I guess I will be hit with another $75 transfer fee.
by ragabnh
Thu Jun 08, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 5467

Re: E*Trade Account Closure fees

I saw $40 in my closed account at Etrade, I called and asked why didn't they close the account, they said that there might be some money coming in the future and once this happens money will be transferred and account closed, I hope the money they are expecting will be enough to cover another $75 tr...
by ragabnh
Tue Jun 06, 2017 10:54 pm
Forum: Investing - Theory, News & General
Topic: E*Trade Account Closure fees
Replies: 17
Views: 5467

E*Trade Account Closure fees

I transferred my Roth IRA from E*Trade to Vanguard, after completion of the transfer and downloading transactions into quicken I noticed account closure fees of $75.00 by E*Trade, it seems it is well hidden on their website because since I did not see it listed and was not notified of such fee. I th...
by ragabnh
Tue Jun 06, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 11579

Re: Used 2013 Audi A5 or New Honda Accord Sport

The Audi is much superior vehicle when compared to an Accord, true less reliable however the price difference will compensate for that and you may buy extended warranty with portion of the money. The Accord is the most boring vehicle on the plant and everyone owns one, Audi's are more exclusive vehi...
by ragabnh
Mon Jun 05, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Lufthansa Premium Economy
Replies: 47
Views: 9173

Re: Lufthansa Premium Economy

British Airways premium economy are great, seats recline further, definitely more space and seat width. Better food and service overall. In my opinion worth the extra money, will never fly overseas again in economy.
by ragabnh
Mon Jun 05, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 24967

Re: Flying first class, business, versus economy.

I just flew from Vegas to London on premium economy on British Airways, much better than economy where I suffer a lot. I am 6'1" and I need all the room I can get.
by ragabnh
Sat Jun 03, 2017 12:40 pm
Forum: Personal Investments
Topic: Thoughts on emergency account amount.
Replies: 22
Views: 3675

Re: Thoughts on emergency account amount.

I am in early retirement so my cash fund is 2 years of expenses to ride stock market downs, but that is specific to my case, when I was working I had one year worth of expenses stashed in saving account.
by ragabnh
Sat Jun 03, 2017 12:35 pm
Forum: Personal Investments
Topic: I hit my first $100k today in my 401k!!
Replies: 34
Views: 5620

Re: I hit my first $100k today in my 401k!!

Congrats, it took forever to reach $100,000 milestone but things accelerate after that hopefully you hit the seven figure mark in the next 15 years.
by ragabnh
Sat Jun 03, 2017 1:16 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 60
Views: 13340

Re: Murphy's Law Of Retirement

Early retirees should consider liquidating their positions if they won the game, there is no point in being greedy and the markets are at all time high at this time.
by ragabnh
Fri Jun 02, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 4922

Re: Umbrella Insurance options

Two houses here one is rental, two cars and a Harley with AAA. 2 million umbrella cost is about $360 per year.

There is a requirement for minimum liability on houses and autos before you can buy umbrella. And it is multiples of state minimum.
by ragabnh
Fri May 05, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: Would you exchange a 2001 4Runner for a 2007 Santa Fe?
Replies: 33
Views: 3143

Re: Would you exchange a 2001 4Runner for a 2007 Santa Fe?

Of course not, 4Runner is by far superior vehicle in every aspect. I would definitely keep it.
by ragabnh
Fri May 05, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 4715

Re: Honda vs. Mazda vs. Ford

Sporty , fun to drive and beautiful car I would say Mazda, More comfortable, better resale value and it is Honda. It does not matter if it is Mazda 3 or 6 or Honda Civic or Accord all are the same reliability but size differs based on your needs. I drove Mazda 6 two years ago and thought it drives l...
by ragabnh
Sun Apr 23, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 5276

Re: Car Choices

Mazda 6 is a well rounded car that can do a lot of things well, such as :
Good Saftey
Great gas mileage for its class
Fun to drive
Looks
Reliability
Value

It may not be as reliable as the Camry but certainly up there, more fun to drive than the accord and better fit and finish than the two.
by ragabnh
Sat Apr 08, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 13283

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

I was looking at the same car to buy, after reading this thread I will buy 1997 Civic with 110k miles for $1200. :confused
by ragabnh
Tue Apr 04, 2017 6:53 am
Forum: Personal Consumer Issues
Topic: Comfortable Vehicle Front Seats
Replies: 105
Views: 22917

Re: Comfortable Vehicle Front Seats

After owning and driving 30 cars in my lifetime, The Lexus LX570 has the best seats by far, but the car is very expensive at 90k.
by ragabnh
Sat Apr 01, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What career helped you become wealthy?
Replies: 75
Views: 12946

Re: What career helped you become wealthy?

Civil/Structure Engineer, and as it was mentioned saving and investing all the way, 401k maximizing contributions, living below your means.
by ragabnh
Sat Apr 01, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: At what age were your kids potty trained?
Replies: 16
Views: 2064

Re: At what age were your kids potty trained?

My son was trained by 24 months with rare accidents, my wife did a good job in that respect. He also started walking at 9 months old.