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canyoneer posted:As a Honda Fit driver, 3 car seats do not fit into the back seat. Well, no 3 car seats I've ever seen. Yeah 3 car seats would be unworkable, but I did cram a twin mattress and box spring into my Fit. Do the trunk covers come standard with newer models? They are essential if you want to not have stuff in plain sight when parked.
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Dec 20, 2016 19:21
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paternity suitor posted:If you buy a $35k car on a 6 year loan at 5%, you're going to pay about $40k for that thing. A six year old car loses about 60% of it's value, so charitably, it will be worth $15k. So you paid $40k for a $15k asset, for a total loss of $25k. If you stuck that car payment in an ETF and got 8%, you'd have about $50k instead. That's a $75k swing. I'm preaching to the choir but it always blows my mind to work out car napkin math. No one has paid 5% on a car loan since 2006. You can get 1.85% easily now, which is basically free money.
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Dec 20, 2016 19:34
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canyoneer posted:Hey hey, someone on facebook shared a Dave Ramsey animated video saying I should put the difference in a mutual fund with an average 12% return!  Sometimes you get lucky.
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Dec 20, 2016 19:41
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Krispy Kareem posted:"Buy less Harley's" Fewer.  Rurutia posted:Hahaha someone looked at his userpage and found him selling some seriously sketchy digital game codes: I like how he absolutely will not say how he's getting all those game codes for cheap. Granted the legaladvice lawyers would say that he should not but still you know this guy is sketchy as hell. The judge will laugh him out of court.
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Dec 20, 2016 20:01
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th vwls hv scpd posted:
"Since 1/1/2016"
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Dec 20, 2016 21:08
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Dec 20, 2016 21:17
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Yes returns are nice on VGHCX when you aren't paying taxes on the returns. 
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Dec 20, 2016 21:28
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Evil Robot posted:"Since 1/1/2016" That counter resets every year. Since our 401k started in 2012, I've seen 12.5% total growth per the administrator.
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Dec 20, 2016 22:05
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I'm not convinced yet, can you post your social security number?
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Dec 20, 2016 22:07
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Tiny Brontosaurus posted:I'm not convinced yet, can you post your social security number? I renounced my citizenship for tax purposes, so I don't have a valid one anymore. The original one was: <HI THERE!> Somebody fucked around with this message at 22:29 on Dec 20, 2016 |
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Dec 20, 2016 22:16
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Leon Trotsky 2012 posted:I renounced my citizenship for tax purposes, so I don't have a valid one anymore. When people post plausible SSNs on this website, even fake ones, I get Very Nervous
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Dec 20, 2016 22:28
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Good point
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Dec 20, 2016 22:29
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BWM: everyone who thought they'd get PSLF (edit: that doesn'tw ork for govt or 501c3 but i still think that's gonna change) http://www.abajournal.com/news/article/aba_sues_over_feds_disqualifications_of_lawyers_from_public_service_loan_fo Part of the College Cost Reduction and Access Act of 2007, the PSLF program automatically includes charitable nonprofit employers that have been designated as tax-exempt under 501(c)(3) of the Internal Revenue Code. Other nonprofits with different tax statuses can also meet eligibility criteria if they “provide certain types of qualifying services,” according to the Department of Education’s federal student aid website, including “public education.” Organizations recently denied employer certification for the PSLF program include the American Bar Association, which has 501(c)(6) status, the American Immigration Lawyers Association and some American Civil Liberties Union offices. In earlier years, the government told some of those lawyers that they did qualify for the program. mastershakeman fucked around with this message at 23:46 on Dec 20, 2016 |
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Dec 20, 2016 23:05
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mastershakeman posted:BWM: everyone who thought they'd get PSLF Jesus you almost gave me a heart attack before I read the whole post
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Dec 20, 2016 23:14
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Tyro posted:Jesus you almost gave me a heart attack before I read the whole post Good news! The current administration is the one cracking down on PSLF, I'm sure the one being sworn in shortly will be much more favorable
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Dec 20, 2016 23:15
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BWM: Booking an elaborate pile of multi-city flights, buses and trains in order to visit all the relatives that mandate you visit them at Christmas from all the way across the country, sorting it all out a month ago, and then realizing that you never booked the final return leg to return to the west coast.  God, my wallet! My loving wallet is BLEEDING... 
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Dec 20, 2016 23:18
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mastershakeman posted:BWM: everyone who thought they'd get PSLF I work at a 501(c)(3) and am basically banking on PSLF to unsuck my financial life in about 4 years so thanks for the momentary panic attack I guess. Edit:  Tyro 
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Dec 20, 2016 23:19
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C.H.O.M.E posted:No one has paid 5% on a car loan since 2006. You can get 1.85% easily now, which is basically free money. Look at this good credit havin' bougie who's not signing up for 72 month loans at 12% APR
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Dec 20, 2016 23:20
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mastershakeman posted:Good news! The current administration is the one cracking down on PSLF, I'm sure the one being sworn in shortly will be much more favorable  At least I'm a government employee. So I just have to worry about my benefits and retirement being eroded and my overtime taken away, and maybe my position being eliminated.
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Dec 20, 2016 23:20
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ate all the Oreos posted:Look at this good credit havin' bougie who's not signing up for 72 month loans at 12% APR I'm confused. I have decent credit, 720's, and I got a 10K loan for 60 months at 7.5% through USAA. Everything I've done with USAA in the past has been pretty beneficial towards me so I didn't question it. Am I BMW for not shopping around? I'm on track to have it 40% paid off after 1 year, so it's not too bad, but now I'm bumming
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Dec 21, 2016 00:07
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omnibobb posted:I'm confused. I have decent credit, 720's, and I got a 10K loan for 60 months at 7.5% through USAA. Everything I've done with USAA in the past has been pretty beneficial towards me so I didn't question it. Am I BMW for not shopping around? You get really cheap rates through the dealership. Usually as an either/or to other promotions. Take 1% financing and forfeit XYZ dealer rebates. There is no free money. Cue a bunch of people posting about their 0% loans that came with a handjob.
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Dec 21, 2016 00:28
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omnibobb posted:I'm confused. I have decent credit, 720's, and I got a 10K loan for 60 months at 7.5% through USAA. Everything I've done with USAA in the past has been pretty beneficial towards me so I didn't question it. Am I BMW for not shopping around? you should refinance that
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Dec 21, 2016 00:30
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7.5% is really high for an auto loan if you have even decent credit. The really really low sub-1% loans are manufacturer-subsidized rates on new cars, but a regular non-subsidized car loan should only run like 2-3% right now. My credit union is right now offering 2.09% on model year 2014 and newer cars, and 2.69% on model year 2013 and older.
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Dec 21, 2016 00:31
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If you buy a new car, dealerships typically offer very low rate financing (0-2%). Sometimes those rates are an either/or choice with a fixed discount (e.g. $2000 off or 0% financing). If you get a loan individually and not through a dealership, rates will be a little higher. But 7.5% seems really high - PenFed, the only credit union I'm a member of, shows a 72 month used car loan rate currently at 3.61%. I would expect that rate to be a fair representation of a "good market rate".
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Dec 21, 2016 00:32
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Sundae posted:BWM: Booking an elaborate pile of multi-city flights, buses and trains in order to visit all the relatives that mandate you visit them at Christmas from all the way across the country, sorting it all out a month ago, and then realizing that you never booked the final return leg to return to the west coast. GWM: getting into a standoff with family about who visits who for the holidays with all parties refusing to participate in the holiday travel circus ending with no one seeing anyone.
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Dec 21, 2016 00:35
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I opened a new Vanguard account in November 2014 to invest in oil after it crashed. Then it spent another two years continuing to go down! There are a couple other poorly chosen funds in there too for a total rate of return of 0.0%. Trying to time the market is BWM. What are these funds making 12%?
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Dec 21, 2016 00:42
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My vanguard overall rate of return is under 3%, so you're in good company
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Dec 21, 2016 00:47
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Boring S&P 500 ETF (VOO): Boring Total US Stock Market ETF (VTI):  Sometimes it pays to be lazy. 
Guinness fucked around with this message at 01:04 on Dec 21, 2016 |
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Dec 21, 2016 00:51
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Oh yeah lol I bought that one. Convenient you cropped out the 1 year return of -8.11%
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Dec 21, 2016 00:57
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Switchback posted:I opened a new Vanguard account in November 2014 to invest in oil after it crashed. Then it spent another two years continuing to go down! There are a couple other poorly chosen funds in there too for a total rate of return of 0.0%. Just buy VTSAX and own the US market then go back to sleep
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Dec 21, 2016 00:59
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Switchback posted:Oh yeah lol I bought that one. Convenient you cropped out the 1 year return of -8.11% That's the Vanguard Health Care Sector Fund. The 1-year return is about 6%. You might be invested in a different fund.
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Dec 21, 2016 02:31
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th vwls hv scpd posted:That counter resets every year. Since our 401k started in 2012, I've seen 12.5% total growth per the administrator. Nice, good job getting 12.5% returns in one of the biggest bull markets ever
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Dec 21, 2016 02:44
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Switchback posted:I opened a new Vanguard account in November 2014 to invest in oil after it crashed. Then it spent another two years continuing to go down! There are a couple other poorly chosen funds in there too for a total rate of return of 0.0%. Almost anything except for like bonds and energy the last 4 years
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Dec 21, 2016 02:46
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Sundae posted:BWM: Booking an elaborate pile of multi-city flights, buses and trains in order to visit all the relatives that mandate you visit them at Christmas from all the way across the country, sorting it all out a month ago, and then realizing that you never booked the final return leg to return to the west coast. Oh no! But also: lol.
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Dec 21, 2016 03:18
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EAT FASTER!!!!!! posted:I'm sure building dollhouse furniture for sale a la Lester Freamon sits right on the face of everyones' weird, GWM fantasies in this thread, but many people have dumb, expensive hobbies that they feel just fine about pursuing because they are financially responsible everywhere else in their lives and so it makes sense to do stupid, expensive stuff to keep themselves sane. Sshhhhhhiiiitttttt. But for real dollhouse furniture is stupid expensive.
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Dec 21, 2016 03:49
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Sundae posted:BWM: Booking an elaborate pile of multi-city flights, buses and trains in order to visit all the relatives that mandate you visit them at Christmas from all the way across the country, sorting it all out a month ago, and then realizing that you never booked the final return leg to return to the west coast. Oh man, goondolences. I thought crossing the mountain pass during college for thanksgiving and Christmas was rough, but multi city flights? Ouch.
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Dec 21, 2016 05:21
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Hyrax Attack! posted:Oh man, goondolences. I thought crossing the mountain pass during college for thanksgiving and Christmas was rough, but multi city flights? Ouch. SFO --> JFK, Taxi to Long Island, LIRR to NYP, NYP Amtrak to Boston, Bus from Boston to Nashua NH, taxi from Nashua to Manchester Airport, and then Manchester back out to SFO. Changing in everywhere under the sun. Somewhere in between, I'm supposed to visit a bunch of family, but I'm more or less just dreading the transit now. 
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Dec 21, 2016 06:11
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BEHOLD: MY CAPE posted:Nice, good job getting 12.5% returns in one of the biggest bull markets ever And just think, 12.5% is less than a typical loss year for the S&P500. A lot of people are going to be real sad when they experience their first bust.
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Dec 21, 2016 06:20
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oRenj9 posted:And just think, 12.5% is less than a typical loss year for the S&P500. There were people getting upset over the minor dip earlier this year.
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Dec 21, 2016 06:24
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Leon Trotsky 2012 posted:That's the Vanguard Health Care Sector Fund. The 1-year return is about 6%. You might be invested in a different fund. Huh, ok I guess I need to take my rear end to the investing thread because apparently I don't really get what these numbers mean. (But you're right I was totally looking at the wrong line) 
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Dec 21, 2016 07:12
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