Search found 328 matches

by GoldenGoose
Wed Apr 04, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 8658

Re: 2018 Camry. What's wrong with me?

If you're comparing a Camry to a BMW 3 series this is apples to oranges. Coming from a guy who has gone through many cars over the years I'd have to say that no matter the cost you need the vehicle that brings out the emotions that you desire. If you don't, you will just sit there and think about t...
by GoldenGoose
Wed Apr 04, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 8658

Re: 2018 Camry. What's wrong with me?

UpperNwGuy wrote: Wed Apr 04, 2018 3:39 am You need a new BMW.
Nah I am done with BMW. They are too expensive to own. Maybe the better alternative is to buy a new Camry, take my old BMW and smash them together to get a Bamwry. :D
by GoldenGoose
Wed Apr 04, 2018 6:43 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 8658

Re: 2018 Camry. What's wrong with me?

jpohio wrote: Wed Apr 04, 2018 6:29 am Try the 2018 Accord.
I am afraid so.
by GoldenGoose
Wed Apr 04, 2018 3:31 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Camry. What's wrong with me?
Replies: 99
Views: 8658

2018 Camry. What's wrong with me?

Last weekend I test drove a 2018 Camry. After the drive I walked away feeling numbed. It seemed the new Camry didn't instill any sense of emotions into me. No wows. No oohs. Nothing. It was a nice compliant drive but lacking any connections and excitement. Could it be that I already set up myself fo...
by GoldenGoose
Sat Mar 24, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

In terms of design and driving dynamics, I think the Accord is the clear leader of the ones you listed. The C-HR isn't a bad car but compared to the others it will feel underpowered and cheap in the interior. The Toyotas also don't have Carplay/Android Auto, which is a dealbreaker for many these da...
by GoldenGoose
Sat Mar 24, 2018 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

Otherwise it's the civic but I can't come to accept the fact that a compact car costs 20k+. Nuts. FYI, in January I bought a 2018 Corolla LE for a bit over $15K plus about $2,000 in taxes and registration. They gradually upsize cars and it is almost as large as a 2002 Camry I had so the Civic may n...
by GoldenGoose
Sat Mar 24, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

Pretty sure that the Camry has a CVT, too. Actually, my 2015 Camry has a very mild CVT whine that is absent in my 2013 Avalon hybrid (both have CVT). My wife doesn't even hear it. That's about all it is to CVT when it's well-implemented. I would focus on the brand and model, not the technology. A l...
by GoldenGoose
Sat Mar 24, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

Chip wrote: Sat Mar 24, 2018 6:46 am
GoldenGoose wrote: Sat Mar 24, 2018 5:58 am I dont trust cvt bc nissan has issues with it.
If you want another hot button issue see which cars on your list come without a spare tire of any kind.
Ah forgot about that. I don't like run flat tires either.
by GoldenGoose
Sat Mar 24, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

1. 2018 Camry 2. 2018 CHR 3. Hyundai sonata (just because they are unbelievably cheap) 4. Accord 5. Civic Honestly, all are fine vehicles and should last you 160K+ miles. 5-8 years ago, i would have hesitated on the Hyundai, but they make solid and reliable vehicles from the data. I can buy 2 sonat...
by GoldenGoose
Sat Mar 24, 2018 5:58 am
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

Re: What car should I get

My preference is the Camry but its the first year model. Wife seems to like the CHR bc of the looks. We have not test driven any cars yet. How to I arrange the test drives so she will see the light and go for the Camry instead? Lol. Otherwise it's the civic but I can't come to accept the fact that a...
by GoldenGoose
Fri Mar 23, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: What car should I get
Replies: 35
Views: 3442

What car should I get

We are in the market for a new car. We tend to keep our car for a long time. Our 2002 hyundai still drives fine (I replaced a bunch of parts) but it has 160k miles and the suspension is rusting thru. I don't like SUV. These are the cars we are thinking about buying. 1. 2018 Camry 2. 2018 CHR 3. Hyun...
by GoldenGoose
Tue Mar 20, 2018 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Retirement will cost the average American $828,000
Replies: 36
Views: 6970

Re: Retirement will cost the average American $828,000

This makes me wonder how could many many less affluent old people survive without much money saved? Oh wait. It's the adage "the more you make the more you spend". Yess if you eat out a lot,travel a lot, whatever a lot, then thats the reason you need to fret about money during retirement. ...
by GoldenGoose
Fri Mar 09, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 61
Views: 6247

Re: What do you pay for your phone/cable/internet? REAL total with tax?

$45/month internet/no cable $5 ooma landline for me, tracfone for cell phone/data. Figure about $120/year or about $10/month. $40/month for wife's cell I am shocked at what others are paying monthly for these things nowadays. Very shocked! But then again, my 2 kids are not at cell phone age just yet...
by GoldenGoose
Thu Mar 08, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

I'm not sure how that answers the question? You can calculate the after-tax value of selling these, and compare the asset allocation you have now vs. what you'd have if you converted these holdings to cash, and bought something else. You know exactly how much of the portfolio this makes up - you sa...
by GoldenGoose
Thu Mar 08, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

That is the question. I have in my holding a few individual stock winners in my personal account that I have not sold yet. These are about 50% of my total investment assets (not counting house). Knowing how you guys preach about "diversification", I wonder which course of action I should ...
by GoldenGoose
Thu Mar 08, 2018 3:56 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

This is hard. The only reason I think I would sell is if I knew of an impending crash and I am preparing to hoard my cash for a chance to buy cheap. If I don't feel like there is such a crash, then why would I sell and buy index funds. Not to mention I have to pay cap gain taxes for no good reason....
by GoldenGoose
Thu Mar 08, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

If you let the shares ride and they continue to do well, then your tax problem is worse. If you let the shares ride and they tank or 1 or 2 do, then your tax problem is better but your value dropped. Could have just paid some tax. :twisted: I would sell 50% in March 2018 and 50% in Janurary 2019. P...
by GoldenGoose
Thu Mar 08, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

That is the question. I have in my holding a few individual stock winners in my personal account that I have not sold yet. These are about 50% of my total investment assets (not counting house). Knowing how you guys preach about "diversification", I wonder which course of action I should ...
by GoldenGoose
Thu Mar 08, 2018 3:36 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

2. Sell them and buy index funds But your timing of this ought to consider the cap gain tax & AMT & other tax you might need to pay. We don't have any info about your fed & state cap gain tax rates but, depending on your income, your federal tax could be anywhere from 0 clear up to 20-s...
by GoldenGoose
Thu Mar 08, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

Don’t sell .. donate! A thought to consider, maybe you already have planned donations to church or other charities ... donating appreciated stock is generally a win win. Even consider a Donor Fund easy to set up (at least my experience with Fidelity) that allows you to donate over time but take the...
by GoldenGoose
Thu Mar 08, 2018 3:31 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

WhiteMaxima wrote: Thu Mar 08, 2018 12:31 pm maybe sell portion of them and buy into index. single stock is kind of risky.
Agree, but with the risk comes the reward. We all know that. And right now their paper return is > 25%. Which indexes offer that kind of return? I would jump in with both feet.
by GoldenGoose
Thu Mar 08, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

Re: To sell or not to sell

Note: these are solid and stable companies that I don't feel like they will go kaput, not in the 5 years span. So were Kodak and GE. With an eye on limiting your capital gains tax exposure, it is time to diversify... Replace "Kodak and GE" with "Amazon and Google". You don't tru...
by GoldenGoose
Thu Mar 08, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: To sell or not to sell
Replies: 39
Views: 4453

To sell or not to sell

That is the question. I have in my holding a few individual stock winners in my personal account that I have not sold yet. These are about 50% of my total investment assets (not counting house). Knowing how you guys preach about "diversification", I wonder which course of action I should t...
by GoldenGoose
Fri Feb 16, 2018 9:08 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 1294

Re: House for sale AO with concern

I was surprised and shocked when the buyer offered 10k over the asking price before i saw rhe huge credit requst. I anticipated the inspection and the counter offers. When we bought our house we didn't do this. Oh well the offer does have a condition that the seller can still accept other offers unt...
by GoldenGoose
Fri Feb 16, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 1294

Re: House for sale AO with concern

The majority of the offers I put in for buyers have some seller contributions requested. I work with their loan officers and they usually tell me what the buyer needs, based on cash on hand. Appraisal is always a concern. If the house was priced properly then there could be a problem. That said, 99...
by GoldenGoose
Fri Feb 16, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 1294

Re: House for sale AO with concern

Interesting. The realtor suggested the house be listed at 290k based on the comps. Also is it logical to ask that the realtor commission be based on the actual price 283k instead of the offered price 288k?
by GoldenGoose
Fri Feb 16, 2018 3:33 am
Forum: Personal Finance (Not Investing)
Topic: House for sale AO with concern
Replies: 11
Views: 1294

House for sale AO with concern

Short story. House listed at 280k. Buyer offered 288k with request that seller credits 4500 for closing cost. What is the reason for this? Any negative implications for the seller? Thanks.
by GoldenGoose
Wed Jan 31, 2018 1:30 am
Forum: Personal Investments
Topic: How to pay cap gain tax
Replies: 3
Views: 594

How to pay cap gain tax

Hi, new to the board. First post. Here is my question. Due to a good 2017, one of my stock holdings is having a 40% gain and the one year anniversary is coming up soon. I would like to sell it but here is the problem. In the past, usually when I sold a winner, I didn't pay the taxes on the cap gains...