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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: 1044

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: 1044

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: 981

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 Buffet and the S&P index fund
Replies: 23
Views: 1719

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: 2269

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: 47
Views: 3199

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: 3710

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: 231

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: 1841

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: 1086

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: 1086

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: 1063

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: 1063

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: 298

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: 748

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: 1423

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: 3384

Re: Risk Averse Start

Do you get monthly reports on your retirement accounts? Or have any paperwork from when you first started working? Those might provide some leads on who to contact.
by Novine
Mon Aug 04, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Start
Replies: 28
Views: 2042

Re: Too many goals - where do I start?

When did you get your current FHA loan? You may have a refinancing option depending on the date of the loan. Several comments have stated that paying PMI for a few years may not be that bad. But with new FHA loans, the PMI is pretty high. If you want to avoid that, you're going to have to focus your...
by Novine
Mon Aug 04, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Too many goals - where do I start?
Replies: 53
Views: 3893

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

"Then, when house sells, I can fully fund a Roth IRA and also max out Traditional." You can't fully fund a Roth IRA and max out a Traditional IRA at the same time. You can contribute to one or the other or both but only up to a total of $5,500 between the two. You may be able to open up an...
by Novine
Mon Aug 04, 2014 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3384

Re: Risk Averse Start

"Regardless, my employer invests through TransAmerica, though I have no idea how TA invests." Your employer isn't investing for you. They provide you with investment options over which you should have some say in how your money is invested. You may not have great choices but you'll have so...
by Novine
Sat Aug 02, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risk Averse Start
Replies: 28
Views: 2042

Re: How Much Did You Lose Today?

I gathered the month end numbers for our retirement accounts and we were down slightly compared to June's totals. This was the first month since January where the totals were down month-over-month. On the other hand, those accounts are up 15% so far this year (contributions + returns) even with the ...
by Novine
Sat Aug 02, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14172

Re: How Much Did You Lose Today?

Did livesoft report a RBD? If not, I don't consider it a "bloodbath".
by Novine
Thu Jul 31, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14172

Re: Do any boggleheads invest in individual companies?

"Wow! I could have written that post. I did the same thing and for almost the same reasons (in Michigan and many family connections to Ford). Before drinking the boglehead kool-aid, I did a lot of individual stocks but today ford and one other are the only ones left. But ford was VERY good to m...
by Novine
Tue Jul 29, 2014 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 5766

Re: What amount of Earnest Money - New Pulte Home

"Pulte communities are usually great though. They are planned for a lot of social interaction, which is what a community should be all about."

How so? I've seen plenty of Pulte communities and they don't seem to stray much from the standard suburban cul-de-sac model.
by Novine
Tue Jul 29, 2014 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1979

Re: Kitchen Remodel... Or Not?

"I don't understand what's so great about old houses. House technology has advanced a lot in 25 years, not to mention 130." I'm pretty confident that most houses that have made it to 130 years old, if properly maintained, will be around longer than many of the homes built in the last 25 ye...
by Novine
Mon Jul 28, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2904

Re: What amount of Earnest Money - New Pulte Home

Kind of amusing to read about a "hot subdivision" - Pulte subdivisions are pretty cookie-cutter so if you don't get into "Avalon Hills", "Avalon Meadow" or "Avalon Ponds" will surely provide the same houses with the same cul-de-sacs looking out over the same &...
by Novine
Mon Jul 28, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1979

Re: Mutual Fund Suggestions?

"Novine, my ML advisor did not ask me how I was invested in my 401k when he suggested the investment for my Roth. I have always had my 401k through Vanguard so he did not have insight into that account." I'm not surprised, ours didn't ask either. It's another example of how the people &quo...
by Novine
Mon Jul 28, 2014 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Suggestions?
Replies: 7
Views: 765

Re: What amount of Earnest Money - New Pulte Home

That's what I was wondering. You can check out the development here.
by Novine
Sun Jul 27, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1979

Re: Help me save my parents from Merrill Lynch

Why so disparaging? Because you can invest at much lower cost through firms like Vanguard or Fidelity without the conflicts-of-interest that lies with every ML salesperson (no, they're not financial advisors). Like others, it was showing my wife the many ways that ML was ripping us off in fees and b...
by Novine
Sun Jul 27, 2014 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me save my parents from Merrill Lynch
Replies: 54
Views: 6054

Re: Mutual Fund Suggestions?

Did your ML advisor ask you how you were invested in your 401k when suggesting that investment for your Roth?
by Novine
Sun Jul 27, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Suggestions?
Replies: 7
Views: 765

Re: Buying property - frank responses requested

What are rental rates in the area where you want to live? Putting a significant amount of your retirement funds into a single asset may not be a good call.
by Novine
Sun Jul 27, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying property - frank responses requested
Replies: 30
Views: 3508

Re: Buying a Home - Town permit records don't match disclosu

The biggest concern would be the electrical work from both a long-term liability and personal safety viewpoint. You want to be sure that it was done correctly. Roofs can be an expensive fix if they're not installed correctly. At the minimum, I would want to have someone who knows what they're doing ...
by Novine
Sun Jul 27, 2014 12:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Home - Town permit records don't match disclosures
Replies: 57
Views: 3569

Re: AMZN's magical status

" Amazon’s assets aren’t liquid; they are books, CDs, DVDs, children’s toys, clothes, consumer electronics, etc." This is an example of the misunderstanding of some people's view of Amazon. Amazon has moved way beyond just being a seller of goods. As was noted, if Amazon ever spun off its ...
by Novine
Sun Jul 27, 2014 12:09 am
 
Forum: Investing - Theory, News & General
Topic: AMZN's magical status
Replies: 26
Views: 2810

Re: How Should I Manage My 401k?

Did you select these funds? Or were they selected for you? Are you enrolled in any guided portfolio service or something similar in your 401k?
by Novine
Sat Jul 26, 2014 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 729

Re: AMZN's magical status

Jim Cramer - yeah, him - had what I thought was a good write-up on why Amazon's valuations are so out of synch with how equities are typically valued in his latest book. You have to understand that Amazon's moved beyond being an online retailer. Its technology platform powers a huge number of compan...
by Novine
Sat Jul 26, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: AMZN's magical status
Replies: 26
Views: 2810

Re: Should I Buy a Home Warranty

The flip side is some years, you don't "need" the warranty at all. It's a form of insurance. Some people self-insure, others prefer to pay higher premiums to avoid large out-of-pocket costs.
by Novine
Fri Jul 25, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1368

Re: Whats a Better Lot in a Tract Home Neighborhood?

Who is the house for? You? Your spouse? Kids? Personally, I wouldn't want that much house in a soulless subdivision in the suburbs. But you're trying to meet someone's needs with that house. You might want to see what they would prefer.
by Novine
Fri Jul 25, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2234

Re: 500K Sitting in a Bank Account

Who is legally responsible for managing this money?
by Novine
Thu Jul 24, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 500K Sitting in a Bank Account
Replies: 17
Views: 1612

Re: Should I Buy a Home Warranty

When I bought my home, the previous owners covered a home warranty (American Home Shield) for the first year. I kept it going for a couple of years after that. It easily paid for itself with a hot water heater that was replaced, a broken furnace fan and some other items that were covered. In my expe...
by Novine
Thu Jul 24, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1368

Re: Best Way to Show Google Docs via Wi-Fi on a TV: Chromeca

This link talks about a way to auto loop a presentation.
by Novine
Tue Jul 22, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Best Way to Show Google Docs via Wi-Fi on a TV: Chromecast?
Replies: 6
Views: 587

Re: Helping My Grandmother

How much could she realistically get if she sold the house? What are rental rates in her area? Depending on your answers, the best return may be selling the house and moving into an apartment.
by Novine
Sun Jul 20, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3299

Re: Buying First Home - Inspection Follow Up Advice

Keep in mind that the OP noted the house is 95 years old. Structurally, not all of the suggestions are feasible considering how these homes were constructed. Even the OP's idea for adding insulation in the walls may not be a good idea depending on the interior and exterior wall materials and constru...
by Novine
Sun Jul 20, 2014 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home - Inspection Follow Up Advice
Replies: 22
Views: 1874

Re: Millennials (with jobs) are super-saving their retiremen

"That means they will run deficits for 20-30 years before going bankrupt. " I don't think this is accurate. It means that the system can continue to run for 20 -30 years - with no change - until payments of benefits have to be reduced. There are some adjustments, like raising the cap on SS...
by Novine
Sat Jul 19, 2014 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9578

Re: Variable annuity ,what's the difference ?

"She took this one on advice of a friend who is a financial advisor , the same guy who sold is our WL policies ."

Nice "friend".
by Novine
Sat Jul 19, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Variable annuity ,what's the difference ?
Replies: 14
Views: 1858

Re: Yet another newbie's 403(b): fund/allocation advice, ple

Are you going to max out your Roth IRA each year too? Or were you just planning to do the 403(b)?
by Novine
Thu Jul 17, 2014 10:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another newbie's 403(b): fund/allocation advice, please
Replies: 8
Views: 608

Re: Market Timing vs. Market Opportunity

A "market opportunity" is market timing that worked out in hindsight. No one calls them "opportunities" when they bet wrong and lose money. I've read enough posts by people who pulled out in anticipation of the fiscal cliff or the 2011 or 2013 debt crisis, convinced that a market...
by Novine
Thu Jul 17, 2014 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing vs. Market Opportunity
Replies: 46
Views: 3082

Re: Second Largest PreK-12 School District Wins a 457b award

Far better than my 457b plan. But I find that ERs to be a bit high for Vanguard funds considering the size of the pool of potential retirees.
by Novine
Thu Jul 17, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Second Largest PreK-12 School District Wins a 457b award!
Replies: 11
Views: 911
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