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Re: Need help to choose between HSA and PPO

Factors that you need to consider when deciding: 1. Do you have an idea of how much you spend each year on health care? Do you have any on-going health issues that require doctor's visits or Rx drugs? Same question for spouse and kids, if you have either or both. 2. If you select the HSA, how would ...
by Novine
Thu Oct 23, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help to choose between HSA and PPO
Replies: 9
Views: 620

Re: HSA - First Time Offered

Will your payroll department allow you to do this?
by Novine
Thu Oct 23, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - First Time Offered
Replies: 5
Views: 518

Re: Current market volatility

"You guys think we are in for more declines in the coming weeks? I actually just sold a bunch of my funds after the 2% increase on Wed and havent bought back in yet. I was about to do some rebalancing but im thinking i should maybe hold it in cash until things calm down a bit. My bonds have bee...
by Novine
Sat Oct 11, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1635

Re: it will take me about 38 years to reach $1M at this rate

"You probably have health insurance as a government retiree also."

This was true in the past. It's not true now. Guaranteed health care for future retirees is a thing of the past for many people in the public sector.
by Novine
Sat Oct 11, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: it will take me about 38 years to reach $1M at this rate
Replies: 25
Views: 3139

Re: When people put all their eggs in the wrong basket

"I'm probably still going to do stock picking for a small part of my portfolio - tech industry is still something I'm familiar with. But 80% of my money will be index funds plus rebalancing." Welcome. There are plenty of reformed stock pickers here. Some people still buy individual stocks....
by Novine
Sat Oct 11, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 227
Views: 22887

Re: How to pay for Home Addition

See if you can get your wife to spell out exactly what she's looking to get from the home project. Once you have her "wish list" in hand, see what you can find in your area that will meet her "wants" within your budget. Alternatively, read up on "Not So Big House" conce...
by Novine
Fri Oct 03, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2154

Re: Jim Cramer Giving Advice On How To Market Time

Best response to Cramer's market timing - "Good timing is changing the channel just as Jim Cramer comes on."
by Novine
Fri Oct 03, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Jim Cramer Giving Advice On How To Market Time
Replies: 3
Views: 808

Re: Buying more when markets are down

I haven't seen "livesoft" report a RBD. Are we approaching RBW - "Really Bad Week" - territory yet?
by Novine
Wed Oct 01, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5156

Re: How to pay for Home Addition

An addition to a bungalow house by going up? Not worth it. You're asking for all kinds of problems and all kinds of additional expenses as you discover that none of your mechanical systems are designed to support that size of a house in that configuration. Are you prepared to gut the first floor too...
by Novine
Tue Sep 30, 2014 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay for Home Addition
Replies: 23
Views: 2154

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

"Alas, managing my money will slowly become my full-time profession in the coming months, presumably for the rest of my life. " Why so? To me, this sounds like a dangerous thing because it implies that since you're giving up work, etc., the only thing you'll have to occupy your time is you...
by Novine
Tue Sep 30, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 46
Views: 6671

Re: Should I pay off my sisters student loans?

It's funny to read people lecturing the OP about the horrors of giving away money to the sister when he's a recipient of a massive windfall that from all appearances has fallen into his lap with no effort on his part. There are likely life lessons that should be learned by the sister about managing ...
by Novine
Tue Sep 30, 2014 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my sisters student loans?
Replies: 49
Views: 3581

Re: Oatmeal suggestions

Oatmeal helps reduce your cholesterol levels and the fiber is recommended for the lower portions of your digestive system. I throw on blueberries and top with honey.
by Novine
Tue Sep 30, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5396

Re: Rebuilding portfolio. Early retirements dreams, please h

"Knowing that we are in the 15% tax bracket, and unlikely to ever be in a lower bracket, would you still contribute to the traditional 401k instead of the Roth? There's a high probability we will be in a higher tax bracket when we retire." Why do you think that? Currently, a couple can hav...
by Novine
Mon Sep 29, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebuilding portfolio. Early retirements dreams, please help!
Replies: 23
Views: 2031

Re: Answer to Most Physician/High Income Job Questions:

If you can afford it, why would you limit your HSA contributions? If I ever need it for health purposes, it's good to know it's there. But once you hit 65, it can also function as a second IRA account . Myself, I'm paying for eligible expenses and saving my receipts. If it ever gets to a balance whe...
by Novine
Sat Sep 27, 2014 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2413

Re: General Investing Question [Investing in Individual stoc

"do you thin k i should keep as is or go sell a few biotechs to diversify more into other markets? i work in biotech so i realize the potential of the industry and am confident in it. " If you go much further, you might as well start throwing darts into the list of stocks and picking on th...
by Novine
Fri Sep 26, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: General Investing Question [Investing in Individual stocks]
Replies: 34
Views: 1178

Re: I've made it (almost)

"If I can improve my health and work my job then I will probably go at least another year. If I can't then it isn't worth it. I am also looking at the possibility of cutting back my hours so I can have more time to take care of myself and decompress. " Walk away. If work is compromising yo...
by Novine
Wed Sep 24, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: I've made it (almost)
Replies: 9
Views: 2177

Re: Stubbornly Non-Boglehead Husband. What To Do?

"I also hate to say that I think there will come a time when he will lose his half and he will pressure you to gamble with your half. It will happen because he gambled and lost with his half, or his high income goes away, or both, and when that happens, you will refuse, and he will blame you.&q...
by Novine
Wed Sep 24, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Stubbornly Non-Boglehead Husband. What To Do?
Replies: 122
Views: 7845

Re: How to get a 3-fund portfolio?

Your sitting on cash waiting for a market downturn? How long have you been doing that?
by Novine
Mon Sep 22, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1869

Re: inherited 500k, still a college student, how to invest??

Is it possible to reduce your monthly expenses? Sometimes we spend all that we're given because we can. But now that you're going to have to rely solely on your inheritance, the less of it you spend each month, the more you'll have for investing and future needs.
by Novine
Sun Sep 21, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 55
Views: 5435

Re: Portfolio Help, Please

Ask them to send you something in writing. There's some document that outlines the fees involved with your 403b. Someone at TD or your employer should be able to produce that.
by Novine
Sun Sep 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 1600

Re: How to get a 3-fund portfolio?

"But I am genuinely curious what the point of buying bonds when they are as low as they are (and based on interest rates and the Fed only seem to be staying low) when they don't really "grow" in the same sense as equities?'" Instead of buying bonds when they're cheap, you want to...
by Novine
Sun Sep 21, 2014 2:27 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get a 3-fund portfolio?
Replies: 14
Views: 1869

Re: Critique my thoughts on Real Estate Investing

1) I am not currently invested in real estate and real estate is a very distinct asset class that is not closely correlated to other markets and would therefore add diversity to my portfolio. That wasn't the case in 2008 - 2009. 2) I think that owning homes that have low mortgages could allow me to ...
by Novine
Sun Sep 21, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Critique my thoughts on Real Estate Investing
Replies: 17
Views: 1145

Re: Portfolio Help, Please

A 403b is the vehicle by which you get to make retirement contributions through your workplace. Lincoln and TD Ameritrade are investment options within the 403b. That's why some of the earlier comments about getting out of the 403b don't quite make sense. Normally, you can't roll your 403b dollars o...
by Novine
Sat Sep 20, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 1600

Re: Need urgent help for 85 y.o. parents just moved to Vangu

One piece of advice - take your time to do things correctly. I understand the desire to get this mess straightened out. But none of the decisions you're making have to be done today. Better to work through your options and then take the best course going forward. Perhaps that's how you're operating ...
by Novine
Sat Sep 20, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 65
Views: 4028

Re: Portfolio Help, Please

How were the current funds in Lincoln selected? Are you signed up for a "guided" or "managed" portfolio? Typically, we see these kind of portfolios when you sign up for a managed portfolio (for an extra fee of course!). As others have noted, your Lincoln choices are overly compli...
by Novine
Sat Sep 20, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help, Please
Replies: 14
Views: 1600

Re: Any success stories of ppl who never made >$50,000?

"This forum can be extremely hostile to those who don't roll out of school with computer science or medical degrees. Not everyone makes $100k at their first job, and not making enough to max your 401k doesn't mean you lack intelligence." I'll disagree with this. I maxed out by 457 for the ...
by Novine
Wed Sep 17, 2014 12:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10201

Re: Where do I put my cash now?

Your experience is why most people invest despite what the pundits are saying. How much have you missed out on waiting for the correction?
by Novine
Wed Sep 17, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2576

Re: Ethics of Multi-Generational Tax Optimization

I would only consider this ethical if your father is both fully aware and supportive of this. He may be in support of maximizing what potential heirs get. Otherwise, it would smack of you taking advantage of your father's situation to enrich yourself, even if you "don't need the inheritance&quo...
by Novine
Fri Sep 12, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of Multi-Generational Tax Optimization
Replies: 23
Views: 1847

Re: Suggestions on where to put an extra $4k/year

"So we plan our projections that neither of those things will be there, which is probably over conservative, but better than being caught without it, no?" Planning on zero from Social Security? If that's the case, invest in guns, ammos and a fallout shelter because the only scenario where ...
by Novine
Thu Sep 04, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions on where to put an extra $4k/year
Replies: 12
Views: 1084

Re: Help with my parent's finances

OP didn't state that annual expenditures are $150,000. They may need to cut expenses but that's speculation without more details from OP.
by Novine
Thu Sep 04, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with my parent's finances
Replies: 21
Views: 1949

Re: My early 30's Ameriprise portfolio

1% wrap fee on top of 0.72% - 1.25% ER - you can do the math. Do you really think he/she has picked the funds that are going to beat a comparable index by 2+% year after year? Looks like you'll find out if the friendship is based on something more than money.
by Novine
Wed Sep 03, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3500

Re: Filing a prior tax year that was not required to be file

Glad to hear that worked out for her. For anyone doing this in the future, you're not required to provide any explanation of why you are filing. If the IRS has questions, they'll let you know.
by Novine
Tue Sep 02, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Filing a prior tax year that was not required to be filed
Replies: 9
Views: 582

Re: Induction Range Worth the Price?

We looked at some models today. Any opinions on brands? We saw a Samsung at the Sears Outlet at a pretty good price but it only scored a 77 in Consumers Reports.
by Novine
Fri Aug 29, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1162

Induction Range Worth the Price?

We're looking at replacing the existing electric range in our kitchen. The DW wants a smoothtop electric range and when I started looking, I saw that induction ranges got some raves - for a price. Is the extra price worth it? I don't mind spending a bit extra in this area but not sure that the 3x di...
by Novine
Fri Aug 29, 2014 1:00 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1162

Re: HSA - how to decide if it is worth it?

Outside of the cost considerations of the HSA itself are your ability to "self-insure" if you have a major out-of-pocket expense. Do you have reserves to cover unanticipated medical costs? Some people prefer the certainty of a regular premium payment versus having to cover a major unantici...
by Novine
Wed Aug 27, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - how to decide if it is worth it?
Replies: 14
Views: 1028

Re: Warren Buffet and the S&P index fund

"Are the Bogleheads trying to beat the S&P index both short and long term with this over and under weighting of the stock index funds? Remember Buffet`s bet with that hedge fund for 10 years saying the S&P 500 will return more and so far Buffet is winning after 5 years or so I think.&q...
by Novine
Wed Aug 27, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett and the S&P index fund
Replies: 23
Views: 1786

Re: Trying to understand the 1040 Tax Table

I was going to go with "effective tax rate" too. But some Googling around found that the term "effective tax rate" means something similar but more than just the calculation using the tax table.
by Novine
Mon Aug 25, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2522

Re: No room on your Windows hard drive? Cleanup Update files

I wouldn't recommend using registry cleaners. There's no significant benefit from using them and they can cause real problems. There are times for manually editing the registry but I wouldn't rely on those programs to do that.
by Novine
Thu Aug 21, 2014 10:16 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 4842

Re: Is buying two SUVs a sane/good financial move?

How about living somewhere that you're not depending on driving or driving so much? Automobile accidents is one of the leading causes of death for children. Sounds like everyone would benefit if you, your husband and future child were on the road less frequently.
by Novine
Sun Aug 17, 2014 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Is buying two SUVs a sane/good financial move?
Replies: 63
Views: 4030

Re: Max out Fidelity Gov. 457b AND 403b?

Have you estimated how much you need to cover your monthly costs for that time period between 47 and when you can start tapping your retirement assets?
by Novine
Fri Aug 15, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max out Fidelity Gov. 457b AND 403b?
Replies: 2
Views: 244

Re: Sources for Discovering Dishwasher Quality

We're looking for a new dishwasher too. Please share what you find as we have the same thought on what we're looking to find and how much we want to spend.
by Novine
Sun Aug 10, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1987

Re: Any suggestions/feedback is appreciated

"Also since we will basically be deleting all my wife's income doing this, say I lose my job that is a life event and we can change our contributions right away, correct?" Normally, you can change your retirement contributions at any time. It may take a pay period or two to take effect but...
by Novine
Sat Aug 09, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1147

Re: Any suggestions/feedback is appreciated

$70,000 taxable is pretty close to the 25% tax bracket. But contributions to the 403b and 457 plans would be pre-tax which would help reduce your taxable income.
by Novine
Fri Aug 08, 2014 11:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1147

Re: Government 457b

"Edit: After looking at the info from the link above, it seems that there is a 5.25% front end load and a .25% yearly fee. I am assuming that this is still a good deal due to it being funded with pre-tax money." You need to call that phone number and find out if there are other fees. There...
by Novine
Thu Aug 07, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Government 457b
Replies: 17
Views: 1109

Re: Government 457b

Looking at Yahoo! finance doesn't always give you a true picture of the fees associated with your 457 funds. Depending on who offers the funds, they can be larded up with extra expenses that largely enrich the bottom line of the investment providers. Googling around a bit reveals your employer. I'm ...
by Novine
Wed Aug 06, 2014 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Government 457b
Replies: 17
Views: 1109

Re: Investment/Portfolio Question

You should have included some of the details from your previous post including the fact that this person wants/needs? ongoing income from their investment and that they want to be able to leave something to their heirs. You still haven't indicated how much risk this person is willing to take on or h...
by Novine
Wed Aug 06, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment/Portfolio Question
Replies: 2
Views: 306

Re: Using a credit card to buy/sell bitcoin, Make $ volatili

Are you looking to cheat on your taxes or report tax cheats? It's unclear from your post.
by Novine
Wed Aug 06, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using a credit card to buy/sell bitcoin, Make $ volatility
Replies: 7
Views: 786

Re: Advice: Remodel of kitchen, bath, and basement?

Agree with the comments to start with a smaller project before tackling something major like the kitchen. Having admitted that you haven't been through this, why learn on the largest/most expensive portions of the project? If you're going to do that much work, you should probably engage an architect...
by Novine
Mon Aug 04, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Advice: Remodel of kitchen, bath, and basement?
Replies: 30
Views: 1581

Re: Ready to make up for lost time, need guidance, new to th

"So I can open a spousal IRA even if my husband makes no income at all?"

Yes, as aron outlined, that can be for up to $5,500. You can read the IRS outline of this here. Read through the examples.
by Novine
Mon Aug 04, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3528
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