Search found 352 matches

by Nissanzx1
Fri Oct 19, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: To replace old Volvo
Replies: 35
Views: 1499

Re: To replace old Volvo

Just buy a slightly newer Volvo. Have a mechanic look before you let go of the cash. Used Volvos are among the cheapest vehicles available.
by Nissanzx1
Thu Oct 18, 2018 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: 0% APR for 6 months -- any disadvantages ?
Replies: 3
Views: 332

Re: 0% APR for 6 months -- any disadvantages ?

While it's possible to earn a few extra dollars, this type of thing is kinda a risk/reward thing. I don't consider the reward to outweigh the risk of accidentaly missing a payment...
by Nissanzx1
Wed Oct 17, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Too good to be true; what am I missing?
Replies: 17
Views: 3100

Re: Too good to be true; what am I missing?

Risk is the only thing you left out. As long as you lay out what risks might present, and you're ok with those risks, do what you like.
by Nissanzx1
Wed Oct 17, 2018 3:32 am
Forum: Personal Consumer Issues
Topic: Maserati Experiences
Replies: 47
Views: 5547

Re: Maserati Experiences

Ferrari repair prices with the added bonus of double digit depreciation every year. No way sorry. Buy a Ferrari or Lamborghini instead.
by Nissanzx1
Mon Oct 15, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 50
Views: 5084

Re: Kids not interested in money / allowance

I was raised by people just like you. They are now nearly 70, retired multimillionaires. I got out of college (their dime) and struggled with money/debts/credit. They never taught me to borrow but I had 3 Mercedes (on payments) and 11 credit cards and made $40,000/year. I always had a job since 14 b...
by Nissanzx1
Sun Oct 14, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6475

Re: When to stop putting money into an older vehicle

About 1.5 years ago I put $3600 into my Honda Element that had a book value of about $3600. I looked at several factors such as: cost of a similar 4x4 vehicle, cost of sales tax (9.25% here), the fact that I have religiously maintained this one and who knows about the used one I would be buying... t...
by Nissanzx1
Sun Oct 14, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1925

Re: Buy car cash or take low rate loan

Thanks all. No issues at all with liquidity. It’s a small hassle but $300 a year is still $300 extra. I live my life by nickel and diming everything so every $1 counts. Buying a brand new car for $38k and nickel and diming don't exactly seem to me to go hand in hand. This car will depreciate $8k in...
by Nissanzx1
Sun Oct 14, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1925

Re: Buy car cash or take low rate loan

Do you have the 38K over and above your emergency fund? If yes, do what you like. I wouldn't personally want to fool with making monthly payments but maybe that doesn't bother you. Watch the fine print, maybe one late pay could raise the interest up...
by Nissanzx1
Sun Oct 14, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Using credit card rental car insurance
Replies: 14
Views: 1281

Re: Using credit card rental car insurance

Read your card agreement very thoroughly. These situations do make me nervous. Enjoy the trip.
by Nissanzx1
Sun Oct 14, 2018 3:07 am
Forum: Personal Finance (Not Investing)
Topic: Neighbor discussing finances with me
Replies: 64
Views: 6124

Re: Neighbor discussing finances with me

My new neighbor told me he lost almost everything in Enron :oops: They both are older and even have trouble walking but still have to work M-F and he says they will work for a couple more years. They didn't paint their home this year because of the cost of a knee surgery. In your situation, I'd buy ...
by Nissanzx1
Sat Oct 13, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10574

Re: Weigh in on our Marital Argument =)-- HCOL edition

It seems like you are trying to justify a bigger place. Fact is, you don't need a bigger place. I'd be staying right where you are. The parents visit, make due or get them a hotel. You husband is right, mortgage needs to go. Stick with him. You have a good one there.
by Nissanzx1
Sat Oct 13, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3257

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

If I were you, I will rent a car for peace of mind. I assume a rental car company has a lot of stake in making sure that their cars reliable. If a rental car breaks down on a trip, it will be their problem and I will have a replacement. It will be a big hassle if my car breaks downs hours away from...
by Nissanzx1
Sat Oct 13, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 6
Views: 946

Re: What to do with inheritance

Sell it, invest that for your retirement and buy a place in Italy later if you want one.
by Nissanzx1
Sat Oct 13, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Drop in MPG (09 Civic)
Replies: 24
Views: 1399

Re: Drop in MPG (09 Civic)

+1 On Techron fuel system treatment. Plugs are due if they haven't been done yet. Use OEM plugs. I'd clean the throttle body with throttle body cleaner. Air filter, fuel filter. Make sure the basics are covered. Inspect the exhaust system for any damage (restriction of flow). Run the car for any com...
by Nissanzx1
Sat Oct 13, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - Sellers Request Help with Repairs
Replies: 69
Views: 3247

Re: Home Purchase - Sellers Request Help with Repairs

Unless you are stealing the house, I would be walking. There's a house on almost every corner, plenty of fish in the sea.
by Nissanzx1
Sat Oct 13, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Buying opportunity? Invest my emergency fund??
Replies: 13
Views: 2700

Re: Buying opportunity? Invest my emergency fund??

Emergency fund must remain in a savings account sorry. I understand it's tempting but leave it alone.
by Nissanzx1
Fri Oct 12, 2018 6:05 pm
Forum: Personal Consumer Issues
Topic: Honda routine maintenance costs in Boston?
Replies: 12
Views: 934

Re: Honda routine maintenance costs in Boston?

It's common in most areas. Here's what you did wrong: ask for what you need. If you want the oil/filter changed, ask them to do that. This A/B service stuff is all nonsense. You can change your air filter and cabin filter with a 5 minute tutorial on YouTube. You car won't be worth $50 less when you ...
by Nissanzx1
Thu Oct 11, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3280

Re: Budget Coffee

I have a closeout store that I get a pound of whole bean for $5. I've been enjoying it...
by Nissanzx1
Thu Oct 11, 2018 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8491

Re: What did you buy today

I stuck what little I had in VTI earlier today...
by Nissanzx1
Thu Oct 11, 2018 2:32 am
Forum: Investing - Theory, News & General
Topic: Is it smart to hold more cash right now?
Replies: 16
Views: 1779

Re: Is it smart to hold more cash right now?

Setting aside the fact that the market dropped quite a bit yesterday.... It's never a bad idea to have safe reserves, especially if you are heavy in equities. I make the distinction between an "emergency fund" and "investable" cash. The emergency fund Is a sacred cow. It's not really dry powder for...
by Nissanzx1
Thu Oct 11, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: 1.5 liter wine
Replies: 52
Views: 11595

Re: 1.5 liter wine

I sell wine/spirits for a living. We have 1.5 for sale that are hundreds of dollars, but as a general rule they are "cheap jug" bottles. Jacobs Creek and/or CYT Frontera are cheap drinkable 1.5's, BUT your best bang per buck is Bota Box or Black Box. I can't keep Box wine at home because I'll keep d...
by Nissanzx1
Tue Oct 09, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3925

Re: Neighbors tree branch growing too close to my house

Just talk it through with him. My former boss had an arguement with his neighbor about a privacy fence that resulted in many thousands of dollars in legal fees and 20+ years of misery. His neighbor moved about 6 years ago but won't sell the house. He wants it to decay in front of my former boss on p...
by Nissanzx1
Tue Oct 09, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Car Gurus ... Air Filter Recommendations
Replies: 29
Views: 2613

Re: Car Gurus ... Air Filter Recommendations

I've been doing my own vehicle maintenance for about 20 years. My daily driver has 266K miles. I order my air and cabin filters on ebay. Cheapest USA seller is what I buy. Just did this in 2 of our cars last week it was about $20 for all 4 filters. Most of these parts are made in Asia and I don't se...
by Nissanzx1
Tue Oct 09, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to pay this car loan off?
Replies: 17
Views: 881

Re: Best way to pay this car loan off?

From what I'm seeing it doesn't look like you have ever payed a full payment? Check that you aren't showing late right now.

Generally you must at least pay one full payment every month.
by Nissanzx1
Tue Oct 09, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1702

Re: Refinace house but how?

You could do a total refinance since you have the spread on your side. Rate will be higher but that's a choice you make if you want the basement done now. I personally would not do a refinance until the credit card debt is gone and you have an emergency fund of $10-20K. From the numbers, I'm getting...
by Nissanzx1
Mon Oct 08, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating properties in your Net Worth?
Replies: 10
Views: 1017

Re: Calculating properties in your Net Worth?

Best to use a conservative market-approximate number. That's what we do anyway. I don't see any real need to back off realtor fees (but you can). For me, a Net Worth figure is a snapshot in time as they can vary with so many factors...
by Nissanzx1
Mon Oct 08, 2018 10:05 pm
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1702

Re: Refinace house but how?

1) what would the home sell for today (fair market)?

2) how much income in the household?

3) any other debts?
by Nissanzx1
Mon Oct 08, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Loan Payment Vs. Holding in VWALX
Replies: 15
Views: 858

Re: Loan Payment Vs. Holding in VWALX

How's your lifestyle? New Porsche's, Rolex's, $300 shoes? I'm hoping that you are living relatively frugally. You don't mention income. If you are making $800K/yr this conversation/picture is different than $200K/yr. $666K in student loans is the 8000 Pound elephant in the room for me. I'm trying to...
by Nissanzx1
Mon Oct 08, 2018 4:51 am
Forum: Investing - Help with Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3366

Re: Case for buying individual Stocks as 10% of portfolio

I have a family member who purchased some shares of a small local bank in the early 80's. Let's say around $60,000 worth. This person was gifted another roughly $40,000 of the same stock in the 2000's. It went along doing nothing for about 30 years but now this person gets well over $30,000 checks e...
by Nissanzx1
Sun Oct 07, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7842

Re: Evaluate net worth - FIRE really that close?

I just don't really "get" FIRE. Is your job that awful, or is it just plain burn out?

I can understand wanting to load up retirement early to take pressure off but throwing in the towel completely at 40? Seems like almost wasteful to me as you obviously have talents to command that salary.
by Nissanzx1
Sun Oct 07, 2018 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Planning with around 500K ( helping a friend)
Replies: 11
Views: 1127

Re: Planning with around 500K ( helping a friend)

Your friend needs a kick in the shorts. No reason he can't save more for retirement with that income. He needs to significantly reduce lifestyle. Easy to say, but I've noticed many people aren't willing to make the sacrifices. With what he has saved already, he'll be more prepared that the vast majo...
by Nissanzx1
Sun Oct 07, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3544

Re: What are your strategies when shopping for a house?

Agents are good for many things, but you are right to ask them for privacy when you don't want distractions. Never depend on an agent to find the properties for you (you'll miss out big time). Agents generally mean well but keep the expectations really low. Every buyer has different motivations when...
by Nissanzx1
Sat Oct 06, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: A strategy to pay off home at retirement?
Replies: 57
Views: 4360

Re: A strategy to pay off home at retirement?

I would probably continue working past target retirement date using 100% of the earnings to attack mortgage. You don't want the limitation of a mortgage in retirement, best to start retirement 100% debt free. Your asset base is strong but you'll likely need that money for travel/enjoyment/income. So...
by Nissanzx1
Sat Oct 06, 2018 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Critique my Finances Please
Replies: 10
Views: 1865

Re: Critique my Finances Please

Let get the debt list if any please. Certainly could change some recommendations.

Congrats on an incredible income.
by Nissanzx1
Sat Oct 06, 2018 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage or liquidate securities?
Replies: 11
Views: 855

Re: Mortgage or liquidate securities?

I'd probably get a small mortgage and pay it off in a couple 2-3 years with angry, chunky payments. Make sure you are getting enough house. It's expensive to buy and sell, you won't want to do it again in a few years. Make sure that the house you get has updated windows, HVAC, roof, etc. I spent $22...
by Nissanzx1
Fri Oct 05, 2018 9:01 am
Forum: Investing - Help with Personal Investments
Topic: 47yo funded college, paid house, maxed retirement...now what?
Replies: 22
Views: 2840

Re: 47yo funded college, paid house, maxed retirement...now what?

Excellent work. Now it's time to enjoy some. Find some rewarding charitable work/cause to give to. Help random people with small kindness gestures; that sort of stuff... Required watches for a successful attorney: Rolex President 18K Yellow Gold 18K Solid Yellow Gold Submariner (Two Tone also allow...
by Nissanzx1
Fri Oct 05, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: 47yo funded college, paid house, maxed retirement...now what?
Replies: 22
Views: 2840

Re: 47yo funded college, paid house, maxed retirement...now what?

Excellent work. Now it's time to enjoy some. Find some rewarding charitable work/cause to give to. Help random people with small kindness gestures; that sort of stuff... Required watches for a successful attorney: Rolex President 18K Yellow Gold 18K Solid Yellow Gold Submariner (Two Tone also allowe...
by Nissanzx1
Thu Oct 04, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: My company does not offer 401k match, should I forego contributing to it?
Replies: 13
Views: 1238

Re: My company does not offer 401k match, should I forego contributing to it?

Also curious which fund options exist in your Wells Fargo 401K...

I'd be fully funding the Roth first.

I'm in KS also!
by Nissanzx1
Wed Oct 03, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sold Home - 2 days after buyer claims they found an issue with A/C
Replies: 119
Views: 12054

Re: Sold Home - 2 days after buyer claims they found an issue with A/C

So many people are learning to do business this way. Total scam. Do not respond. They won't sue. If they do, fight it.

You didn't conceal anything, no reason to be concerned. They chose to replace the whole system instead of repair the old one. It's on them Imho
by Nissanzx1
Wed Oct 03, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Dentist bill came 4-5 months later, is this unreasonable?
Replies: 28
Views: 2287

Re: Dentist bill came 4-5 months later, is this unreasonable?

It's $55, pay it and be done. This is not worth anymore thought imho.
by Nissanzx1
Wed Oct 03, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5658

Re: Landlord wants to raise rent, but is asking if he can?

It really just depends on what the going rate is for a comparable unit in your area. We have a tenant for the last 2 years (great so far knock on wood) that we want to keep so we haven't raised rent and installed central a/c at significant cost to us. I really hope she stays a bit longer. I'd ask t...
by Nissanzx1
Wed Oct 03, 2018 7:13 am
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5801

Re: Is an emergency fund just about market timing?

Sounds like a risky emergency fund. Isn't "risk" the reason why a person has an emergency fund?

No thanks, I'll keep my savings account for my 6 months of expenses. It only earns 1.65% and that's fine with me. Helps me sleep well at night.
by Nissanzx1
Tue Oct 02, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on renting a property
Replies: 11
Views: 1033

Re: Advice on renting a property

Renting out a property isn't something to do quickly. You must go slow and verify everything: Job/Income verification (pay stubs/talk to supervisor) Talk to last 2 landlords Search on your county court site (one recent applicant had an active eviction pending lol) Run credit score/ check for judgeme...
by Nissanzx1
Tue Oct 02, 2018 11:31 pm
Forum: Personal Consumer Issues
Topic: Landlord wants to raise rent, but is asking if he can?
Replies: 54
Views: 5658

Re: Landlord wants to raise rent, but is asking if he can?

It really just depends on what the going rate is for a comparable unit in your area. We have a tenant for the last 2 years (great so far knock on wood) that we want to keep so we haven't raised rent and installed central a/c at significant cost to us. I really hope she stays a bit longer. I'd ask th...
by Nissanzx1
Tue Oct 02, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: New Apartment, city noise
Replies: 43
Views: 3370

Re: New Apartment, city noise

Box fans will help. Some light music may as well.
by Nissanzx1
Tue Oct 02, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Entering Late In Life
Replies: 21
Views: 2391

Re: Entering Late In Life

Please don't buy. The funds you have now are precious resources. Keep them for growth, it's all you have.
by Nissanzx1
Tue Oct 02, 2018 2:50 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help 29 Yrs Old
Replies: 7
Views: 1091

Re: Portfolio Help 29 Yrs Old

For your ages, you are doing incredibly well. Fantastic job on a great nest egg already. I'd personally payoff the car loans because it's easier not to have to look at it (you guys have to much money to fool with consumer debt of any APR). Nothing wrong with wanting to retire early but if you are en...
by Nissanzx1
Tue Oct 02, 2018 2:39 am
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3508

Re: New Dual Physican Couple

Good news is in two years you can be close to debt free. That would be the greatest gift you could give yourself/your spouse. There will be plenty of time in the market for you to be millionaires many times over if you can save later. Right now the house is on fire. Call the fire department, don't u...
by Nissanzx1
Mon Oct 01, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Single in dream house but is it time to move on?
Replies: 13
Views: 2366

Re: Single in dream house but is it time to move on?

It's your spot, no way I'd give it up. Sounds like you enjoy it immensely.
by Nissanzx1
Mon Oct 01, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3624

Re: Found credit cards - annoying interaction with Bank of America

Your mistake was looking for logic and reasonable thought at a massive corporate bank. Their processes run right over critical thought sadly.