Search found 804 matches

by Sandi_k
Wed Nov 14, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 114
Views: 5153

Re: Roth vs. Traditional 401k

In summary, it's basically as KlangFool says. For most people, if the choice is between Roth or deferred, Roth usually does not make sense. Hmmm. I will have a substantial pension, and almost all of our savings has been tax-deferred. As we're now in our prime earning years, with existing IRAs total...
by Sandi_k
Wed Nov 14, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 133
Views: 15976

Re: [Financial] Habits of the Rich

HomerJ wrote:
Wed Nov 14, 2018 1:43 pm
"Money may not buy happiness, but I've never seen anyone look sad while riding a jetski!"
As the owner of one, I can confirm that this is true.

:D :D
by Sandi_k
Wed Nov 14, 2018 2:06 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?
Replies: 52
Views: 3299

Re: Can someone explain specifically how the "bucket" approach to retirement withdrawals is supposed to work?

Could be that I'm incorrectly calling the stock/bond approach a "bucket" strategy. What I'm trying to zero in on is what I've heard posters say about having enough of their nested in safe bonds or cash so that they can wait out a bear market in stocks without liquidating their stocks when they are ...
by Sandi_k
Tue Nov 13, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

And note that in California, gas is very close to (or over) $4 per gallon, depending on grade. My current car gets 21 mpg, with supreme gas. The UXh is rated at 36 mpg, and uses regular unleaded, 87 octane. 25,000/21 mpg = 1190 gallons purchased, at $4 per gallon for premium. That's $4762 per year....
by Sandi_k
Tue Nov 13, 2018 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 133
Views: 15976

Re: [Financial] Habits of the Rich

Many people on this forum are very successful financially. Many of you are probably very disciplined. What are your habits that elevate your success? Do you read, take classes, have a mentor? Do you have a daily routine or habit that sets you apart? I would love to hear what habits you use to devel...
by Sandi_k
Tue Nov 13, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Priorities: 30 mpg, comfort, low noise, reliable. Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60? Not willing to buy Volvo now that it's owned by Geeli, a-wholly owned Chinese company. Volvo is more Swedish now, tha...
by Sandi_k
Tue Nov 13, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

But I *also* want range for the long weekend trips we have, which means an all-EV won't work. Tesla fits that bill (with supercharging). But you've made clear that you don't want an EV. My question is really, why do you want a hybrid, unless you get a car pool sticker? The savings in gas is minuscu...
by Sandi_k
Mon Nov 12, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4101

Re: Point and shoot camera

I bought a Canon Powershot G-15 five years ago, and have found it to be a good choice. Image stabilization, zoom, great battery life, etc. Cost is ~ $500.

DH purchased an Olympus TG-5, water-resistant for our beachy holidays. He loves it. Cost was ~ $450.
by Sandi_k
Mon Nov 12, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Since OP is in CA, I'd strongly recommend a plug-in hybrid or even all-electric. The ability to get the HOV sticker is (literally) priceless. And since OP's looking for quiet - an EV (or plug-in hybrid operating on battery) is much quieter than even the quietest gasoline car. My husband has a Bolt....
by Sandi_k
Mon Nov 12, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Priorities: 30 mpg, comfort, low noise, reliable. Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60? He did have reliable on the list:) He's a she. ;) If you are willing to relax the gas mileage (i.e. the volvos are ab...
by Sandi_k
Mon Nov 12, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Imbros wrote:
Fri Nov 09, 2018 11:22 am
Sandi_k wrote:
Sun Nov 04, 2018 11:40 pm

Priorities: 30 mpg, comfort, low noise, reliable.
Not a plug-in but hybrid, but some Volvos would check your checkboxes. Have you considered a new XC40 or a Certified Pre-owned V60?
Not willing to buy Volvo now that it's owned by Geeli, a-wholly owned Chinese company.
by Sandi_k
Mon Nov 12, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Not seeing much advantage of this hybrid. Only a 20 mile electric range between charges, but you drive 25k miles per year, so you'll be on gas the vast majority of time.... Yep, but note that my current ride gets 21 mpg. So my gas use would still be drastically decreased if I got something that ave...
by Sandi_k
Thu Nov 08, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

pennylane wrote:
Mon Nov 05, 2018 8:06 am
The e-tron was a flop. Don’t buy that car.
Noted. ;)
by Sandi_k
Thu Nov 08, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

There's also the Kia Niro Plug-in Hybrid but that may have a few too many compromises. There's also a Mercedes GLC350e which might give you the comfort and lower noise you are looking for. The Kia is on my "check it out" list, but I was hoping there was something with a bit more refinement, thus th...
by Sandi_k
Thu Nov 08, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

I'll chime in as I got the car over the summer although I leased it. So far I've been fairly happy with the car, however I believe the car is really a niche car. Pros: Handles well with nice hatchback design, interior is very nice and has a luxury feeling, qualifies for the cvrp rebate and the late...
by Sandi_k
Thu Nov 08, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Lexus UX is the other option that should be out pretty soon. Shares a lot of company DNA though with the cars you don't like.:) Mitsubishi has a plug in hybrid SUV. And it is pretty slim pickings after that unless you are looking at 60k+ cars where volvo and MB have some plug in hybrids. If you can...
by Sandi_k
Sun Nov 04, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2280

Anyone with an Audi A3, Sport hatchback e-tron?

So, I'm beginning my research for the next car. I make a good living, drive 25k miles per year, and want a plug-in/gas hybrid of some sort. I do NOT like sedans. Current contenders: Lexus NX300h, and now the Audi A3 Sportback e-tron. Priorities: 30 mpg, comfort, low noise, reliable. I've driven a Le...
by Sandi_k
Sat Nov 03, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Which Prius or something else?
Replies: 25
Views: 1600

Re: Which Prius or something else?

Used Toyota RAV4 hybrid?
by Sandi_k
Thu Nov 01, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372226

Re: What are you up YTD? [Year To Date]

-.24% for the year. 80/20 portfolio, including international and NASDAQ indices
by Sandi_k
Mon Oct 29, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should I co-sign for relative?
Replies: 103
Views: 4921

Re: Should I co-sign for relative?

Nope. My credit rating is something I only allow one person to control, and that's me. By co-signing, you put several things at risk: 1) Your credit rating. If this is important to you, when the relative lags in paying on time, you will feel compelled to pay the lease payment. And pretty soon, IME, ...
by Sandi_k
Sun Oct 28, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Vehicle recommendations for long commutes in CO mountains
Replies: 72
Views: 4719

Re: Vehicle recommendations for long commutes in CO mountains

Toyota FJ Cruiser. Not great mpg, but meets all your other criteria. A blast to drive, as well.
by Sandi_k
Tue Oct 23, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5167

Re: 2019 Expenses > 2019 Income – Help us close the gap

We had a cat that threw up a lot, too. And she had a preference for chewing on plastic and EATING it. Someone suggested she might have a sensitivity to grain and fillers in the cat food, so we tried a multitude of cat food brands until we found one that she liked, and which reduced the yakking. Best...
by Sandi_k
Tue Oct 23, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 82873

Re: How much money do you want to retire?

I came across this one while surfing. I think this is reasonable argument for front loading the expenses early years given the actual chance of running out of money while still being alive. I would have thought that this particular article would have been already ripped to shreds in the past but my...
by Sandi_k
Sun Oct 21, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5832

Re: CA property tax > $10K, any options to deduct all?

from what i recall when i first did the calculations months ago, pretty much everyone wins or breaks even, except for high earning singles in high tax states. DINKs also lose in California. State tax, property tax, plus no deductions or tax credits with no kids.... Are you sure? I don't know what y...
by Sandi_k
Sat Oct 20, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3598

Re: Put more than 20% down on a house?

I'm not sure I feel comfortable going with a 15 yr mortgage. That would be a pretty large monthly payment. I do plan on paying extra mortgage payments but I would like the flexibility of not having a large payment due every month. You can also get 20 year terms if you ask - for us, it was the sweet...
by Sandi_k
Sat Oct 20, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: CA property tax > $10K, any options to deduct all?
Replies: 45
Views: 5832

Re: CA property tax > $10K, any options to deduct all?

bling wrote:
Fri Oct 19, 2018 4:59 pm
from what i recall when i first did the calculations months ago, pretty much everyone wins or breaks even, except for high earning singles in high tax states.
DINKs also lose in California. State tax, property tax, plus no deductions or tax credits with no kids....
by Sandi_k
Sat Oct 20, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: Warm weather getaway in December
Replies: 17
Views: 1803

Re: Warm weather getaway in December

Point wrote:
Fri Oct 19, 2018 6:36 pm
Catalina Island
Catalina is NOT warm in December.

I'd look at the Caribbean - St. Croix doesn't require passports.
by Sandi_k
Sat Oct 20, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Put more than 20% down on a house?
Replies: 33
Views: 3598

Re: Put more than 20% down on a house?

I'd put down 20%, and get a 15 year or 20 year mortgage. That will reduce interest paid substantially, while still allowing the additional downpayment funds to be invested and grow.
by Sandi_k
Sat Oct 20, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 658
Views: 82873

Re: How much money do you want to retire?

I came across this one while surfing. I think this is reasonable argument for front loading the expenses early years given the actual chance of running out of money while still being alive. I would have thought that this particular article would have been already ripped to shreds in the past but my...
by Sandi_k
Fri Oct 12, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1705

Re: Fidelity Private Client Group: New Advisor

tj wrote:
Fri Oct 12, 2018 4:28 pm
Sandi_k wrote:
Fri Oct 12, 2018 4:14 pm
Dottie57 wrote:
Wed Oct 10, 2018 2:50 pm
I am curious. What is the minimum requirement for the Private Client Group?
Dottie, I believe it's now $1M.

Do you get any free benefits for having that status?
No idea - presumably the Fidelity website gives more details...
by Sandi_k
Fri Oct 12, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1705

Re: Fidelity Private Client Group: New Advisor

Dottie57 wrote:
Wed Oct 10, 2018 2:50 pm
I am curious. What is the minimum requirement for the Private Client Group?
Dottie, I believe it's now $1M.
by Sandi_k
Fri Oct 12, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Private Client Group: New Advisor
Replies: 17
Views: 1705

Re: Fidelity Private Client Group: New Advisor

Keep in mind that the "new guy" might be assigned via Fido's management shuffles, and the client list has been removed from your prior guy's control or access. Not a lot that he can do if his book has been reassigned. My understanding is that the PCG is an attempt to hire "wealth advisors" for the h...
by Sandi_k
Fri Oct 12, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1872

Re: Key West Hotels

The Southernmost is a beautiful property, with a nice restaurant on-site, and a beach (not natural, but lovely). It's about 2 miles away from the hub of Duval Street and Mallory Square. We like it, as it's more genteel, parking is easy, and the property is very relaxed, not party-town centric. If yo...
by Sandi_k
Wed Sep 05, 2018 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fee only Financial planners
Replies: 31
Views: 2717

Re: Fee only Financial planners

Aside from the Garrett Planning Network, I am interested in the Grove FInancial Model - I heard about it on the ChooseFI podcast, as well as the Mad Fientist's site. https://hellogrove.com/ They advertise CFPs, a one-time $600 fee, and then you can either use them as your "robo" advisor...or not. It...
by Sandi_k
Wed Sep 05, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7156

Re: Daily Driver (Car) Over 100K Miles?

srt7 wrote:
Tue Sep 04, 2018 10:36 pm
200K miles in under 10 years? 25K+ per year?

How does one put so many miles?
Live in California. It's a big state. ;)
by Sandi_k
Sat Sep 01, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

So it's OK if we "convert" half of the deductible IRA to a Roth -- > pay the taxes on that 50% amount --> and then the following year convert the other half, and pay that last 50% of taxes due on the second converted half? Yes. That's much less complicated than I feared! Yes. If you convert $40k, y...
by Sandi_k
Sat Sep 01, 2018 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

Yes. DH is semi-retired, and may want to pull from the accounts before 59.5 - not 55. So the 5 year clock is on my mind. Is there any money in Roth IRA now? If yes, how did it get there? It was all contributed in years when: 1) We had lower combined income. 2) I was contributing so much to my 403(b...
by Sandi_k
Sat Sep 01, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

If all the IRA money is from deductible contributions your conversions will not be pro-rated. OH, that is awesome. I am so glad I asked! I thought the proportional conversion was on what you planned to convert, vs. what was still left in IRAs - whether deductible or not. Everyone always says as a b...
by Sandi_k
Sat Sep 01, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

Yes. DH is semi-retired, and may want to pull from the accounts before 59.5 - not 55. So the 5 year clock is on my mind. Is there any money in Roth IRA now? If yes, how did it get there? It was all contributed in years when: 1) We had lower combined income. 2) I was contributing so much to my 403(b...
by Sandi_k
Sat Sep 01, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

Why are you considering conversions now while one or both of you is working? Why not wait for retirement when your tax rate is likely to be lower? Given that OP talks about wanting to withdraw before age 55, I'm guessing she is trying to start the five year conversion clock. Yes. DH is semi-retired...
by Sandi_k
Sat Sep 01, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Re: Conversion to Roth, and Pro-Rata rule

There is no indication in your post that the "pro-rata rule" will be triggered. Do you have some non-deductible contributions in IRA? No, all IRAs are deductible contributions, other than the Roths we each have. Does the PR rule ONLY apply to non-deductible contributions? I thought it applied to al...
by Sandi_k
Sat Sep 01, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3224

Re: House Affordability - Question on standard advice

Cycle wrote:
Fri Aug 31, 2018 10:54 pm
4x income seems ludicrous to me, we paid less than 1/3rd income for our unit. I could maybe entertain up to 1x income in our area.

We live in a lcol city tho, I'm not sure we could buy a dumpster in CA for 1x income.
You can't.

:D
by Sandi_k
Sat Sep 01, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7156

Re: Daily Driver (Car) Over 100K Miles?

2010 Lexus RX 350 - currently at 228k miles. I bought it new in December 2009. My daily commute is ~ 100 miles RT. All work has been pro-active maintenance - no unexpected repairs or failures. I'm beginning to contemplate the next car. Not sure whether to buy a used Lexus hybrid with fewer than 30k ...
by Sandi_k
Sat Sep 01, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion to Roth, and Pro-Rata rule
Replies: 15
Views: 919

Conversion to Roth, and Pro-Rata rule

OK, so DH has two IRAs that we'd like to convert to Roths. Most of our retirement accounts are tax-deferred, and we would like to do the conversion for a couple of reasons: 1) Reduce RMDs when the time comes. 2) Give us some additional funds that we can tap prior to 59.5 (without penalty or complica...
by Sandi_k
Sat Sep 01, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Assist a Novice with Re-Allocation and Windfall
Replies: 10
Views: 1087

Re: Assist a Novice with Re-Allocation and Windfall

Can I open one this year for 2018 and reinvest again on January 1st for 2019? Yes, and yes. $5500 each, for 2018 now, and 2019 after January 1, 2019. MAKE SURE that the check/memo includes the tax year. We once had Fidelity credit our deposits to the wrong tax year. When I noticed it, they called u...
by Sandi_k
Sat Sep 01, 2018 1:29 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6617

Re: Lexus vs. Mercedes

I'm not saying OP is doing this but many people do. Your car says something about you whether you want it to or not. Subconsciously, this is how most people choose a car that fits their persona and there are surprisingly accurate stereotypes for each make and model. Luxury cars are mostly marketing...
by Sandi_k
Fri Aug 31, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Lexus vs. Mercedes
Replies: 86
Views: 6617

Re: Lexus vs. Mercedes

Buy a Lexus with the Sport package. Best of both worlds. :D
by Sandi_k
Tue Aug 28, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify Porfolio? Getting Crazy
Replies: 10
Views: 2030

Re: Simplify Porfolio? Getting Crazy

If she has access to a 403(b), does she also have access to a 457 plan?

If you're throttled on your 401(k), she can contribute another $18.5k to a 457 IN ADDITION to her 403(b)...
by Sandi_k
Tue Aug 28, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Pensions and retirement savings rate
Replies: 30
Views: 2621

Re: Pensions and retirement savings rate

The higher savings rate now will REALLY pay off in terms of compounding. My advice would be to strive for 15% of YOUR money, in YOUR investment accounts, and don't count the pension contribution. If you can't quite squeeze that now, pledge to put half of every raise going forward into your monthly s...