Search found 148 matches

by ragabnh
Wed Oct 21, 2020 6:24 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1412
Views: 83710

Re: What are you listening to now

I am listening to my wife yelling at me. :(
by ragabnh
Wed Oct 21, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: CarMax service
Replies: 3
Views: 753

Re: CarMax service

Carmax sold me a $65k SUV with bad tires, the car was vibrating at highway speeds. I took it back to them and they said they balanced and rotated the tires which should fix the problem. They were wrong, I took the car to the dealership and they said front tires had excessive wear on the inside and n...
by ragabnh
Wed Oct 21, 2020 5:03 pm
Forum: Personal Consumer Issues
Topic: Looking for a three row SUV; $90k budget
Replies: 117
Views: 9344

Re: Looking for a three row SUV; $90k budget

Lexus LX 570 or 2nd choice is Toyota LC, they are the best of the best, the rest of the class Mercedes, BMW and Audi are nice and modern but should be kept only under warranty and traded when warranty expires. Range Rover is crap and brakes down a lot, even under warranty it is not convenient to liv...
by ragabnh
Sun Jul 19, 2020 6:51 pm
Forum: Personal Investments
Topic: Holding Gold as "Doomsday Fund"
Replies: 164
Views: 8819

Re: Holding Gold as "Doomsday Fund"

After reading this thread, I am buying 3 tons of toilet paper to barter with.
by ragabnh
Sun Jul 19, 2020 5:30 pm
Forum: Personal Investments
Topic: TLH for 2020----Just checking my strategy
Replies: 18
Views: 892

Re: TLH for 2020----Just checking my strategy

If you sell a stock for TLH purpose, is there a time period lapsed before you may buy the same stock, or you may do it instantly.
by ragabnh
Wed Jul 15, 2020 4:42 pm
Forum: Personal Investments
Topic: 100% cash in this unprecidented time?
Replies: 57
Views: 7051

Re: 100% cash in this unprecidented time?

That does not work at all, currently I have money parked in online high yield saving account at capital one 360 generating 1%.
by ragabnh
Wed Jul 15, 2020 4:40 pm
Forum: Personal Investments
Topic: Vanguard Alternative to .15% Prime Money Market
Replies: 17
Views: 2214

Re: Vanguard Alternative to .15% Prime Money Market

Are Munis good place to park cash at this time and generate some income stream?
by ragabnh
Wed Jul 15, 2020 3:27 pm
Forum: Personal Investments
Topic: 100% cash in this unprecidented time?
Replies: 57
Views: 7051

Re: 100% cash in this unprecidented time?

What is the current yield on Vanguard Money Market Fund held in brokerage account? I am trying to work out monthly income I need since I am retired at this time.

Thanks,
by ragabnh
Sun Oct 13, 2019 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 10058

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: 5667

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: 6500

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: 6500

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: 63121

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: 1305

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: 1853

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: 2289

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: 8060

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: 5726

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: 9537

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: 1503
Views: 178593

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: 1835

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: 6677

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: 5617

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: 326
Views: 51512

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: 5617

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: 17392

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? [Archived]
Replies: 1479
Views: 327061

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: 5352

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: 7755

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: 2969

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: 11323

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: 8402

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: 1555

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: 5339

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: 6238

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: 83
Views: 18532

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: 9151

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: 83
Views: 18532

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: 20194

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: 6074

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: 13209

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: 6628

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: 6628

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: 6628

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: 13209

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: 9846

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: 26819

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: 3827

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: 5767

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.