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Need tips on taking HS student on college tour

I need some advice about taking a 16 year old rising HS junior to visit colleges. He is an excellent student, and very bright. Over the holidays we talked about what he wants to study in college (STEM). He was non-committal about which schools he had an interest in, and he replied he probably would ...
by Saving$
Mon Apr 27, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Need tips on taking HS student on college tour
Replies: 7
Views: 205

Re: Poll Question: Vanguard vs Fidleity taxable brokerage

I selected Fidelity but not for the reasons you listed. I wanted everything at one broker for simplicity. I also needed a Solo 401k and needed to roll a pretax IRA into it to qualify for backdoor Roth. Since Vanguard did not allow this, I went with Fidelity. I've kept it at Fidelity because Vanguard...
by Saving$
Sun Apr 26, 2015 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll Question: Vanguard vs Fidleity taxable brokerage
Replies: 27
Views: 1152

Re: Anyone Manually Manage Quicken?

Gill wrote:Yes, I enter everything manually in Quicken and download nothing. I prefer it that way.
Gill

Me too.
I enter all transactions - cash, cc, bank, investment, assets, etc. Went from Q92 or something, to Q99 to Q10. Have all transactions since sometime in '94.
by Saving$
Thu Apr 23, 2015 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Manually Manage Quicken?
Replies: 46
Views: 2021

Re: Help Requested: How many ETFs & Index Funds is too much?

I currently only have a Roth IRA but am planning to do half and half for 2015 contributions, for example $2,800 in Traditional IRA which I just opened but has $0 and $2,700 in Roth IRA, so I have tax diversification through the years and when I retire...I can pull some $ out at a lower tax rate and...
by Saving$
Wed Apr 22, 2015 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Requested: How many ETFs & Index Funds is too much?
Replies: 32
Views: 1667

Re: Single best piece of personal finance advice ever receiv

In addition to the above: - Money will not make you happy, but not having enough can certainly make things difficult - It is ALL about choices - the choices you make. EVERY DAY you get to make choices that will determine if, when you go out to eat, you read the menu left to right, or right to left. ...
by Saving$
Sun Apr 19, 2015 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6874

Re: Single best piece of personal finance advice ever receiv

from someone on this board a few years ago:
The single biggest financial decision of your life is person you chose as your spouse/partner...
by Saving$
Sun Apr 19, 2015 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 6874

Limiting Financial Institution "Sharing Personal Info"

Each year, I receive a privacy disclosure from each financial institution, outlining if and how they share my "Personal Information." I believe they are legally required to send these disclosures. One of the sections on the disclosure form indicates if you can limit the sharing of info, an...
by Saving$
Sun Apr 19, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Limiting Financial Institution "Sharing Personal Info"
Replies: 1
Views: 218

Re: Home stereo system conversion to digital

Thank you to everyone who replied. I might be the only one who did not know this, but I'll post just in case there is another music dinosaur out there. Goal was to figure out a way to play music through the old stereo receiver & speakers & access entire music library without changing CD's, t...
by Saving$
Sat Apr 18, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Re: Home stereo system conversion to digital

Looks like maybe WinAmp is back... PERFECT!!! thank you so much. I'm looking into that now. Any technical problems with this plan? 1. WinAmp on computer and create playlists, etc. 2. WinAmp on old Android phone, sync with computer for playlists, etc. 3. Plug phone into receiver some sort of way (ei...
by Saving$
Sat Apr 18, 2015 11:23 am
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Re: What Is The Worst Car You Have Ever Owned?

Acura - sold it at just over 100k miles after putting in a new transmission, ac, and four brake jobs... and I had bought it used, so I got less than 14k miles per set of brakes...
by Saving$
Sat Apr 18, 2015 11:16 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1770

Re: Home stereo system conversion to digital

The other cheap steaming option that hasn't been mentioned is Chromecast. $29 ChromeCast http://www.amazon.com/Google-Chromecast-Streaming-Media-Player/dp/B00DR0PDNE $30 HDMI to RCA Converter http://www.amazon.com/ViewHD-Premium-Extractor-Converter-VHD-H2HSAs/dp/B00KBHX072/ref=sr_1_1?s=electronics&...
by Saving$
Sat Apr 18, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Re: Home stereo system conversion to digital

My amplifier has a USB port on the front, if I had your list of requirements I would plug an Ipod into it. Second choice would be a USB stick. Since you have an Android phone that plays via your receiver, upload all your MP3 music to free cloud storage Google Play Music, and you can stream it from ...
by Saving$
Sat Apr 18, 2015 10:49 am
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Re: M* Article today 4/17 on ATT's shaky dividend

I feel your pain. I helped a friend with the EXACT same issue. My friend acquired the stocks starting in the late 60's, through the '70's, and they were also held at Compushare. My friend owned original ATT and had no records of how many shares were acquired on what date. With the 1984 divestiture, ...
by Saving$
Fri Apr 17, 2015 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 20
Views: 1945

Re: Home stereo system conversion to digital

If you want to do something quick and easy, an Android phone or iPod would work. I plug my iPod into the RCA input jacks on the front of stereo receiver using a $10 cable I bought on Amazon. There's two options - either use the output from the headphone jack on the phone or for a little better qual...
by Saving$
Fri Apr 17, 2015 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Home stereo system conversion to digital

I'd like to enter the 21st century music-wise, and convert from CD changer & tape deck to a digital music system. Ideally, my parameters are as follows: 1. Prefer not to use Apple products - have never owned any and don't really understand IOS. 2. I have a version of this started - I burned all ...
by Saving$
Fri Apr 17, 2015 12:18 am
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1885

Re: Can I open solo 401K on 2500$ self employed income

Yaz wrote:I just called Vangaurd . You cannot rollover IRA into a Solo 401K .


Correction: Vanguard will not allow you to rollover an IRA into a Solo 401k.
Other providers will; Fidelity is a popular one on this board that allows this.
by Saving$
Thu Apr 16, 2015 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I open solo 401K on 2500$ self employed income
Replies: 18
Views: 1317

Re: Unsolicited offers to buy your house

I get these all the time. Probably 6-8/week. Got one this week in which the investment company enclosed a 12 page purchase agreement contract all filled out except for the price... I figure if they are for real, they would offer a price.
by Saving$
Sun Apr 12, 2015 4:22 pm
 
Forum: Personal Consumer Issues
Topic: Unsolicited offers to buy your house
Replies: 14
Views: 2025

Re: Career and college advice for current HS students

Most important advice for any of these fields: Be the type of employee you would hire if you owned the company. You don't have to be the best, smartest, etc., but you need to show up, act and look respectable, be willing and eager to learn, be willing to work and not expect to be in charge overnight...
by Saving$
Sun Apr 12, 2015 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Career and college advice for current HS students
Replies: 34
Views: 2602

Re: Password manager recommendations?

Keepass, because 1. It is free; very Bogleheadish 2. It gets ported to pretty much any operating system shortly after that system comes out. I've used it on Palm, Blackberry, Windows, Android, Apple...all free. 3. It is open source, so it's encryption is constantly scrutinized by people who know abo...
by Saving$
Sun Apr 12, 2015 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2568

Re: Does anyone know about this?

Does not seem to be any advantage to use a more expensive method that probably is less effective (essentially power washes away what is clogging the pipe, leaving the root or whatever everything it catching on there. This should not happen, so you need to figure out the cause. Once you figure that o...
by Saving$
Sat Apr 11, 2015 1:20 pm
 
Forum: Personal Consumer Issues
Topic: [Unclogging sewer line - is this technique worth?]
Replies: 11
Views: 988

Re: Considering Doing My Own Investing...but I'm not sure I

I had an entire post and it disappeared - not going to rewrite it so the summary is: Move one account at a time; start with tax advantaged. Keep it simple, so if you already have accounts at a low cost provider consider using them (ie Fido) Move the account in kind so you sell AFTER they get to the ...
by Saving$
Wed Apr 08, 2015 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 4998

Re: Gaps in newly installed flooring?

This is interesting. Vinyl tends to become harder and more brittle the colder it gets. Perhaps it also shrinks a bit. Perhaps it was warmer when installed. However the link you gave states the core will not expand or contract under normal conditions. That leaves either manufacturing, installation or...
by Saving$
Tue Apr 07, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Gaps in newly installed flooring?
Replies: 3
Views: 588

Re: Family member asking for money

I'm posting just to thank everyone for posting these widely divergent views giving money to family and financial situations. This has really made me think ALOT and the different viewpoints are really helpful.
by Saving$
Tue Apr 07, 2015 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

Re: Rental flooring decision

One thing I would recommend with laminate flooring is to ask if it can be refinished (or more specifically screened). Some are thick enough that you can screen (basically scuff up the surface with an abrasive pad on a floor buffer or floor orbital sander) and apply a new layer of finish. This would...
by Saving$
Tue Apr 07, 2015 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Rental flooring decision
Replies: 34
Views: 2820

Re: VG Target Funds vs VG Index Funds for grandchildren

The grandchildren are 4 and 1. We'd like the funds to be available for college if needed, but we don't want the fund to interfere with scholarships/grants or cause any tax consequences for them or the parents. We also would like low fee investments. Thank you. Neither a custodial account or a 529 w...
by Saving$
Tue Apr 07, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Target Funds vs VG Index Funds for grandchildren
Replies: 18
Views: 1349

Re: Seeking for personal finance advice-am I doing right?

About recharacterization, probably worth not doing for 2014 one. I shall invest hers to roth IRA from 2015 portion. I have thought Roth IRA is not allowed as she doesn't have income source, but it sounds she is eligible for. Yeah, I did not know it was allowed either until I started hanging out at ...
by Saving$
Tue Apr 07, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking for personal finance advice-am I doing right?
Replies: 13
Views: 1306

Re: Fix in Fidelity Full View

Thanks Livesoft - I've often wondered why the amounts in FullView/GPS are a day old vs the amount on the Portfolio Summary and Portfolio Positions tab, which are each only a click away...it seems like Fidelity's own data should be more accurate than outside data, but I don't think they really care t...
by Saving$
Mon Apr 06, 2015 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1004

Fix in Fidelity Full View

It appears Fidelity recently fixed one of the problems with its "Full View" app such that I can now see the asset classes of outside accounts which were once listed as "Unknown." This fix appeared within the last few days. Perhaps this news is helpful to someone who wants to use ...
by Saving$
Mon Apr 06, 2015 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Fix in Fidelity Full View
Replies: 8
Views: 1004

Re: Considering Doing My Own Investing...but I'm not sure I

Although Fidelity has the low cost Spartan index funds, they also have advisers that want to sell you more expensive funds. I would go with Vanguard, as almost everything is low cost so any suggestions there could be trusted as not self-serving, and you could always run their suggestions by here as...
by Saving$
Mon Apr 06, 2015 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering Doing My Own Investing...but I'm not sure I shou
Replies: 49
Views: 4998

Re: Buy a condo for college student or rent?

The potential downside to this has a high probability, so to me it would not be worth the risk to get the upside. You are talking one bedroom unit, so presumably no roommates. This means when she graduates you either have to sell or become a landlord. Many, if not most, condo associations have rules...
by Saving$
Mon Apr 06, 2015 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college student or rent?
Replies: 34
Views: 3082

Re: Seeking for personal finance advice-am I doing right?

1 & 2: I don't know much about term life vs other life insurance. Others on here will know the correct type; go with their advice. I just know you need some. 3 & 4: Reclassify her 2014 IRA contribution from regular to Roth up to the max in your 15% tax bracket, and file an amended return for...
by Saving$
Mon Apr 06, 2015 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking for personal finance advice-am I doing right?
Replies: 13
Views: 1306

Re: Seeking for personal finance advice-am I doing right?

1. You should buy a life insurance policy ON you, with your wife as the beneficiary. 2. Once you have kids you might also want to buy a policy ON her, with you as beneficiary (so you could hire out the childcare, etc. she does if the unthinkable happens) 3. Think about moving her $7k traditional IRA...
by Saving$
Mon Apr 06, 2015 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking for personal finance advice-am I doing right?
Replies: 13
Views: 1306

Re: Family member asking for money

Interesting discussion. You asked if you would be enabling by "lending" the money...we can only presume you are implying enabling something negative. If you funding the nephew's tuition means he attends the special summer school, and you not funding it means he attends a less optimal summe...
by Saving$
Mon Apr 06, 2015 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family member asking for money
Replies: 141
Views: 13617

Re: Massive student debt @ 6.8%

Thank you for your service in Ameri Core. By putting the extra $50 month to your mortgage, how soon will you get rid of PMI, and how much is PMI each month? Do you have any other debts in addition to student loan and mortgage (car loan, credit card, etc.)? When you say your income is likely to be lo...
by Saving$
Mon Apr 06, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6251

Re: Dumb questions: Where to invest when max out tax-free op

Directions for SilverDollar, in order of how they should be executed. 1. Change 401k contribution at employer from Roth 401k to regular 401k. Make sure contribution amount is set to reach 2015 limits. 2. Look into employer 401k. Do they offer an option of rolling in a traditional pretax IRA? If yes,...
by Saving$
Wed Apr 01, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dumb questions: Where to invest when max out tax-free option
Replies: 10
Views: 1020

Re: Letter from Lawyer to enter my property to construct roa

1. Look at your survey. Does your land have an easement on it? To whom is the easement in favor? Does the lawyer represent that party? Sometimes there is a particular stretch of land defined as an easement. Sometimes another party just has an easement to go across your property to access their prope...
by Saving$
Wed Apr 01, 2015 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Letter from Lawyer to enter my property to construct road
Replies: 39
Views: 6310

Fidelity "Greenline Forum"

Has anyone ever heard of this? Can any Fidelity customer (or anyone in general?) join, or is this some sort of invitation thing? Anyone belong? Are the survey's intrusive or general?
by Saving$
Mon Mar 30, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity "Greenline Forum"
Replies: 9
Views: 1503

Re: Charitable Contribution from IRA

Just found this discussion when searching for "IRA Charitable Rollover" for which I did not find anything in the Wiki. A relative received a postcard from a charity urging the relative to be prepared for the "pending 2015 IRA Charitable Rollover opportunity." The relative asked m...
by Saving$
Sat Mar 28, 2015 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable Contribution from IRA
Replies: 44
Views: 2277

Re: What would you do with 1.25 million dollars for 1 year?

I'd look into putting as much as possible in multiple named accounts to max the FDIC limit at Quorum Credit Union 1.25% 11 month CD.
by Saving$
Thu Mar 26, 2015 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3629

Re: Can I Afford This House?

Would normally say no you can't afford it, but after looking at your budget, yes you can afford it with a caveat: My thought process is like this: 1. You need to live in a place you enjoy. Moving is expensive. Your earning power increases over time, while the cost of your mortgage decreases. I happe...
by Saving$
Thu Mar 26, 2015 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I Afford This House?
Replies: 13
Views: 1242

Re: Costco Renewal

Here is the news about the Costco - Visa - Citi deal:
http://www.forbes.com/sites/laurengensl ... -business/
by Saving$
Sun Mar 22, 2015 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco Renewal
Replies: 5
Views: 1030

Re: What is the best way to help my Mom?

If your mom has enough income, converting from 401k to Roth will be a taxable event. - If your mom has no income, convert up to the amount that will keep her from paying income tax. You can play around with the tax software to figure out the amount. Unless your mom has earned income (ie W-2 work, no...
by Saving$
Sun Mar 22, 2015 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to help my Mom?
Replies: 5
Views: 659

Costco Renewal

I've had the Costco Amex for years. Each year, they automatically charge the annual Costco renewal to the Amex. For the first time I can recall, I received a mailing from Costco billing me for the membership renewal. It gives options to pay via my bank account, via the Costco online portal, or in pe...
by Saving$
Sun Mar 22, 2015 5:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco Renewal
Replies: 5
Views: 1030

Re: Online Statement Aggregator (Manilla, Fetch, etc.)

After almost two months of using Finovera to automatically download my billing statements, I can say I am fairly pleased with the service. The site is easy to navigate, and their customer service is decent - they actually follow up on emails. One of my statements did not download, and although it to...
by Saving$
Sun Mar 22, 2015 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Statement Aggregator (Manilla, Fetch, etc.)
Replies: 3
Views: 766

Re: What Age Did You First Ponder Financial Independence?

sschullo wrote:When I played Monopoly as a ten year old and I bought all of the houses and wiped everybody out. What fun!


+1
by Saving$
Thu Mar 19, 2015 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Age Did You First Ponder Financial Independence?
Replies: 74
Views: 7225

Re: Quitting my job, and going to school. What to do with my

1. I'd advise you read your mortgage docs rather than calling. Most likely when you signed you agreed that the home would be owner occupied for at least the first 12 months of the mortgage. People who fully intended to meet the requirements of the mortgage have things change. I would however, never ...
by Saving$
Tue Mar 17, 2015 10:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting my job, and going to school. What to do with my $?
Replies: 18
Views: 1564

Re: One Level or Two Level House

When my parents built their retirement home they had intended to build a one story home. Their builder advised them not to go that route. While it is appealing to retirees and perhaps small families, there will be a large segment of the market that it would not appeal to. His advice was to find a p...
by Saving$
Tue Mar 17, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5905

One Level or Two Level House

As I age, I'm looking to build a house that will work as I get older. Two options 1. Two story house: Living, dining, Kitchen, Master bed & bath and office area on main entrance level, with 2 guest rooms and a guest bath on the upper level 2. One story house: Everything on one level I'm leaning ...
by Saving$
Mon Mar 16, 2015 9:11 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5905

Re: Long term care worth it ?

1. Does the policy have a COLA adjustment? If not, what is $150/day going to be worth in 30 or 40 years when you need it? 2. It the yearly premium fixed? If so, this is a great deal - even if you paid it for 40 more years, it would only be $8k. I know of a policy that was discontinued a few years ag...
by Saving$
Sun Mar 15, 2015 1:29 am
 
Forum: Investing - Theory, News & General
Topic: Long term care worth it ?
Replies: 23
Views: 2663

Re: Loaning money to an only child

Do not loan any more than you can easily afford to gift. Your son and DIL can work to pay off what they have borrowed. You cannot borrow to finance your retirement. If you decide you want to gift the money but your DIL will not accept the gift, then take the loan payments and put them in a 529 colle...
by Saving$
Sun Mar 08, 2015 8:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning money to an only child
Replies: 17
Views: 1491
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