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by Novine
Sun Apr 26, 2015 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help getting rid of debt
Replies: 56
Views: 3378

Re: Help getting rid of debt

What's the interest rate you are paying on the credit card debt?
by Novine
Sun Apr 19, 2015 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4848

Re: Using Zillow/Zestimate to value a home?

You can use Zillow to see recent sales in the area. Use the filters to narrow those sales down to properties that are similar to the one you are interested in as it relates to square footage, lot size, age, etc. It won't be a perfect guide but it approximates the steps that a realtor would do for yo...
by Novine
Tue Apr 14, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: When did a GO (General Obligation) Bond last Default?
Replies: 10
Views: 1275

Re: When did a GO Bond last Default?

Detroit had some unsecured GO bonds that they defaulted on in the process of going into bankruptcy. I don't know the specifics of how those bonds were ultimately resolved. The likelihood of GO bonds going into default are pretty low. Most municipalities have the authority to tax to whatever point i...
by Novine
Sat Apr 11, 2015 9:13 pm
Forum: Investing - Theory, News & General
Topic: Stop contributing, and cash out your 401
Replies: 16
Views: 2823

Re: Stop contributing, and cash out your 401

From her previous workplace via her LinkedIn profile: "Rasberry Producer Group specializes in helping Independent Financial Advisors and Life Insurance Agents sell more Life Insurance. We are a producer group that works heavily in the Indexed Universal Life arena. With over 50 carriers availabl...
by Novine
Fri Apr 10, 2015 6:40 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5304

Re: On a budget and Friday night

Dinner for 4 and a movie for $50? That's a deal around here! But more seriously, if you're trying to save, dinner at home and Netflix sounds like a good way to spend a Friday evening and save a few dollars.
by Novine
Tue Apr 07, 2015 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Switch to 15 year mortgage? (Cash flow vs. better rate)
Replies: 17
Views: 1705

Re: Switch to 15 year mortgage? (Cash flow vs. better rate)

What rate can you get on a new 30 year? We looked at doing 15 years but found we could get a new 30 year and still get a lower rate and make up the difference in closing costs in under 2 years . Right now, I'm paying off the new loan as if it was a 15 year loan but have the flexibility to fall back ...
by Novine
Sat Apr 04, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Form 8889 and HSA Contribution
Replies: 2
Views: 478

Re: Understanding Form 8889 and HSA Contribution

OK. I expect we'll still be in the plan through the end of 2015 but good to know information.
by Novine
Fri Apr 03, 2015 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding Form 8889 and HSA Contribution
Replies: 2
Views: 478

Understanding Form 8889 and HSA Contribution

In August of 2014, we moved back into a HDHP plan that allowed us to start contributing again into an HSA. My understanding of form 8889 is that since we had "family coverage" on the first day of December, the "last month's rule" means that we considered "an eligible individ...
by Novine
Wed Apr 01, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: portfolio review - well placed to catch up?
Replies: 2
Views: 435

Re: portfolio review - well placed to catch up?

"3) How much cash do people recommend to keep on hand for buying a >10% drop in the market? Is this a fool's errand?"

That's one reason why you hold bonds. When the market goes down, you rebalance from bonds into stocks to get yourself back to the appropriate percentages.
by Novine
Sat Mar 28, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 347

Re: Taxable savings vs versus deferred non 401k/403b

At what age are you planning on retiring? There's a place for taxable investing for people who want to retire "early" but are limited in what resources they can tap into without paying a penalty for early distributions.
by Novine
Tue Mar 24, 2015 10:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard HealthCare Fund
Replies: 68
Views: 6616

Re: Vanguard HealthCare Fund

This is one of those funds that I've always talked myself out of adding because it would be a bad combination of chasing a hot sector and relying on past performance to justify the purchase. I tell myself every time that one of these days, it's going to blow up. I'm still waiting for that to happen.
by Novine
Tue Mar 24, 2015 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for parents [with large cash holdings]
Replies: 15
Views: 1672

Re: Advice for parents

Do they have any long-term care insurance? If they still have retirement funds in 403b, are those the best plans to be in? Could they be avoiding high fees by rolling over to Vanguard? Have they expressed any interest in passing any of that along to you and your brother or grandchildren or favorite ...
by Novine
Wed Mar 18, 2015 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Question
Replies: 26
Views: 2042

Re: 403b Question

They are likely all to have high ERs. Still, if you can find a fund or two that fits into your asset allocation, you're often better off by getting the benefits of deferred taxes and the long-term growth available in the 403b. When your wife retires, you can roll those assets out into an IRA at Vang...
by Novine
Mon Mar 16, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: 25YO Newlyweds -- Too Much Cash?
Replies: 10
Views: 1828

Re: 25YO Newlyweds -- Too Much Cash?

"This could be a mental boost for the wife if we increase her 401k contributions -- the increased contributions are offset with the money that would normally go to the monthly auto payment." Logically, you may be right about extending the repayment out since it's at zero percent. But my pe...
by Novine
Mon Mar 16, 2015 8:01 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio diversification
Replies: 10
Views: 936

Re: My portfolio diversification

Please provide percentages of how much you're holding of each fund.
by Novine
Sun Mar 15, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Mutual Funds or Variable Annuity?
Replies: 11
Views: 908

Re: Mutual Funds or Variable Annuity?

First, let's stop the abuse of the English language by referring to these people as "financial advisors". They are nothing of the sort. They are salesman and saleswomen. The advice that they give is mostly self-interested and not advice that benefits your finances. You should see if you ca...
by Novine
Sat Mar 14, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: opened sharebuilder acct 1 yr ago......
Replies: 4
Views: 574

Re: opened sharebuilder acct 1 yr ago......

"Is it relatively safe to invest ETF: SPYand BND split 85/15 for next year or so while I learn as much and as quick as I can." "Safe" as is "I won't lost any money investing this way"? If that's the question, not it's not "safe". If the markets go south, you c...
by Novine
Thu Mar 12, 2015 8:05 pm
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3690

Re: BEWARE-Dell Computer Tech Service

The issue isn't whether Dell is "faultless". Based on the totality of information that the OP shared, it appears that Dell support did something that perhaps they should not have done. But much of what the OP is pointing the finger at Dell support for causing likely isn't from anything tha...
by Novine
Thu Mar 12, 2015 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Porfolio Help
Replies: 2
Views: 269

Re: Porfolio Help

"Expenses are 1% management fee + expense ratio of ~0.44%, very high, but there aren't many good choices." Do you need to go with this managed option? Or can you get out of that and select individual funds? Overall, you look to be in good shape. 70/30 makes sense for your age. You have les...
by Novine
Tue Mar 10, 2015 7:16 pm
Forum: Personal Consumer Issues
Topic: BEWARE-Dell Computer Tech Service
Replies: 39
Views: 3690

Re: BEWARE-Dell Computer Tech Service (India)

What was the user name of the second user? Are you sure that this account was added by Tech Support? Or had it been there all along? By default, the first account created on Windows is an administrator account. Not knowing how your computer was set up, it's possible that the account you've been usin...
by Novine
Mon Mar 09, 2015 10:42 am
Forum: Personal Finance (Not Investing)
Topic: 31 Year Old Seeking Financial Guidance
Replies: 46
Views: 4513

Re: 31 Year Old Seeking Financial Guidance

Did you go FHA because you couldn't afford to do a significant downpayment on the house? The PMI on recent FHA loans are outrageous and it is probably inflating your housing costs beyond what you would be paying if you had done a traditional loan with no PMI.
by Novine
Mon Mar 09, 2015 10:33 am
Forum: Personal Finance (Not Investing)
Topic: At what point is it too much house? How much do we need?
Replies: 52
Views: 4936

Re: At what point is it too much house? How much do we need

Let's see - 5 family members in 5,000 sq. ft. = 1,000 sq. ft. per family member. Do you "need" 5,000 sq. ft.? I doubt it. I've yet to meet someone who lives in a house that large who had any practical need for all that space. People buy 5,000 sq. ft. houses for reasons that have nothing to...
by Novine
Mon Mar 09, 2015 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a newbie- Retirement and House
Replies: 6
Views: 742

Re: Advice for a newbie- Retirement and House

4 funds for a house downpayment? How much of it can you afford to lose if the markets took a 2008 style downturn? Seems like too much work for not that much return. I don't really understand your thought process behind your 401k either. People don't normally recommend mixing Target date funds with o...
by Novine
Sat Mar 07, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify this Portfolio
Replies: 14
Views: 1162

Re: Simplify this Portfolio

Why hold cash in the retirement account?
by Novine
Sat Mar 07, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Convince me to buy international funds
Replies: 34
Views: 2747

Re: Convince me to buy international funds

Larry Swedroe has a nice article from 2014 that reviews the pros and cons of Internationals with historical data that provides a more objective view of performance.
by Novine
Mon Mar 02, 2015 11:20 am
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 80
Views: 5517

Re: How do I learn to like sushi?

Based on the OPs comments and some of the responses, it appears that some think that sushi = sashimi (thinly sliced raw meat). As some have noted, you can get veggie sushi or sushi made of cooked/fried seafood. My first experience at a "sushi" restaurant included quite a few options with r...
by Novine
Sun Mar 01, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Max Contribution (Married)
Replies: 4
Views: 398

Re: Roth IRA Max Contribution (Married)

It's per individual, hence the name "Individual Retirement Account/Arrangement". If your spouse doesn't have earned income, you can still contribute to her Roth as it is considered a spousal IRA contribution. More details from the IRS here.
by Novine
Sun Mar 01, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie: 3 fund portfolio
Replies: 6
Views: 378

Re: Newbie: 3 fund portfolio

"As Our plan has funds with high expense ~ 1%"

Sadly, many of us have similar plans. At 1%, the benefits of investing in a tax-deferred plan generally outweigh the downsides of those expenses. How are you getting 5% return on cash in that account?
by Novine
Sun Feb 22, 2015 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner help Investing 401k
Replies: 3
Views: 260

Re: Beginner help Investing 401k

You'll need to provide more information if you want to get any useful advice. That would include what you are currently invested in and any other retirement accounts that you have. See about posting a portfolio question.
by Novine
Sun Feb 22, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 4143

Re: help me speed up my computer

I would try disabling all of your plugins in Mozilla and see if that helps. If your problem was network-related, you would see that behavior consistently across all of the Internet browsers.
by Novine
Fri Feb 20, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: 403b investment help
Replies: 16
Views: 1249

Re: 403b investment help

"Novine had suggested the following to match the TR 2050 fund:" This was before we knew you had other accounts. ruralavalon is pointing you in the right direction by suggesting you treat all of your accounts as a single unified portfolio. What is suggested by ruralavalon would be the appro...
by Novine
Fri Feb 20, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2844

Re: Poll: Largest fraudulent charge to your credit card(s)?

We just got hit with around $1,000 in charges recently. That's the first time I've ever had that happen. Oddly, about half of the purchases were returned or cancelled by the online site where the charges were placed before I ever even saw them. The credit card company issued a new card and took care...
by Novine
Thu Feb 19, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: American Funds departure or stay?
Replies: 17
Views: 933

Re: American Funds departure or stay?

"However, looking at the graphs from a few months ago, it appears as though all the index funds there were selected for me (see below) have fallen quite a bit." Did she tell you that those are index funds? They're not. As far as waiting, are you willing to continue to see your returns erod...
by Novine
Wed Feb 18, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 403b investment help
Replies: 16
Views: 1249

Re: 403b investment help

"I am wondering whether I should convert some/all of my Fidelity Roth to index funds as well. I am not sure if there is really much of a performance difference between my current Fidelity funds and an index fund. I welcome any advice you all can provide." If you're going to chase sectors, ...
by Novine
Mon Feb 16, 2015 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: One stock
Replies: 35
Views: 2130

Re: One stock

Why GE? I owned it in my stock picking days and I did OK with it but it doesn't strike me as a stock with high growth potential and its performance over the last few years has lagged some of the others suggested.
by Novine
Sat Feb 14, 2015 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: 403b investment help
Replies: 16
Views: 1249

Re: 403b investment help

The difference in ERs is going to be pretty negligible. But if you don't mind tinkering with the account every so often, you can shave off a fraction of a percent by using the index funds. It would look something like: 47% VINIX 16% VIEIX 27% VTSNX 10% VBTIX Based on previous discussions , it's been...
by Novine
Sat Feb 14, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3635

Re: active vs passive in response to Larry Swedroe posting

" But in the worst storms of bear markets, active management might save you and the long term performance will be somewhat similar anyway so its better to gamble with the active option (even with their higher fees) as long as they have the kind of track record and skill of Tweedy Brown." T...
by Novine
Sat Feb 14, 2015 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Switch American Funds to Vanguard?
Replies: 24
Views: 1845

Re: Switch American Funds to Vanguard?

"Where is the original poster. They have only 1 post thus far and have received some excellent advice."

Most people don't expect to get quick responses to what they see as complex financial questions. I wouldn't be surprised if the OP takes a couple of days to check back.
by Novine
Sat Feb 14, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

White Coat Investor had a good write-up on the income streams from his blog. The take-away - write a book if you really want to make money! I'm sure many authors would find that last comment laughable but in the case of WCI, a book turned out to be an excellent way to expand his audience and monetiz...
by Novine
Fri Feb 13, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: ingress,egress,easement
Replies: 16
Views: 1828

Re: ingress,egress,easement

The easement may have been granted back in 1997 and never recorded. Did the person/entity who owns the retail center own that property in 1997? That would help explain how they hold that easement. In any case, you should consult an attorney with expertise in this area before trying to acquire that p...
by Novine
Wed Feb 11, 2015 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Oil ETF's?
Replies: 6
Views: 567

Re: Oil ETF's?

"I'm not very knowledgeable on ETF's and have never actually invested in one, but all this talk about oil prices having hit a bottom had me thinking." I would be thinking that I didn't know enough about the basic to even consider putting money into oil ETFs. Do you have money to burn to le...
by Novine
Tue Feb 10, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

"And working a lot less is not is not shown in the Netherlands or Denmark v the US."

I don't know how you came to this conclusion but the numbers say otherwise.
by Novine
Mon Feb 09, 2015 11:00 pm
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

"If just M3 follows his philosophy his production and consumption drop but public resources he benefits from stay constant. If everyone follows him, even over a long time, the issue is not a rise in the unemployment rate or even everyone being less well supported by their own work (they would h...
by Novine
Mon Feb 09, 2015 11:42 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

He details the 2014 expenses here . I'm sure one could quibble with how he accounts for certain forms of "spending" but it doesn't sound unreasonable. If my wife and I were mortgage and largely car-free, we could easily fall within that spending range and we're not nearly as frugal or DIY-...
by Novine
Mon Feb 09, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

It's not as if MMM hasn't been covered by any mainstream reporters. But if that's not good enough, you could jump in the MMM Forums and ask if there's been any articles others done on MMM and his family about their spending.
by Novine
Mon Feb 09, 2015 12:36 am
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 452
Views: 75339

Re: Mr. Money Mustache: Hero or Foolish?

I don't remember MMM pitching "get rich like me" seminars for thousands of dollars based on some made up life story so I don't see the connection between what MMM espouses and what you get from the "Rich Dad, Poor Dad"'s of the world. If people don't like or don't agree with MMM,...
by Novine
Mon Feb 09, 2015 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Investment Planning Help - Newbie
Replies: 9
Views: 964

Re: Investment Planning Help - Newbie

You've got way too much going on in your 401k fund selections. It doesn't make sense to have Target Date funds and Index funds mixed up together like that. If you wanted to really simplify things, you could select the Vanguard Target fund that best matches your wife's L fund (assuming it's the Vangu...
by Novine
Sun Feb 08, 2015 10:10 pm
Forum: Investing - Theory, News & General
Topic: talk me out of it - investing in oil
Replies: 50
Views: 5201

Re: talk me out of it - investing in oil

Why didn't you buy 2 weeks ago?
by Novine
Sun Feb 08, 2015 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Money into Retirement Accounts or Mortgage Payoff
Replies: 10
Views: 1287

Re: Money into Retirement Accounts or Mortgage Payoff

How long do you plan to be in the house?
by Novine
Sun Feb 08, 2015 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 2014

Re: Complete and utter newbie wanting direction...

"Does it make sense to pay off what is actually accruing more interest regardless of rate.. ?"

Generally, you should try to pay off your debts with the highest interest rate first.

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