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Re: Our plan to pay off our mortgage by Age 40

If you want a calculator that allows different amounts for different time periods I love this calculator.

http://www.mtgprofessor.com/calculators/Calculator2a.html
by runner9
Fri Oct 24, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Our plan to pay off our mortgage by Age 40
Replies: 10
Views: 1049

Re: Do all mutual funds have 12b-1 fees?

In addition to asking about 457s, find out what other vendors are available under the 403b. There may be more vendors already available other than AXA and Valic. From the thread linked above, from the OP: We have products available through VALIC, AXA, MetLife, as well as the lovely broker I mention...
by runner9
Fri Oct 24, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1278

Re: Making an offer today

I'd keep looking. Keep the current one in mind if it's still available in several months and/or the price is lowered. Maybe you'll find something you like better and/or better priced in the meantime.
by runner9
Thu Oct 23, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Making an offer today
Replies: 44
Views: 4639

Re: Do all mutual funds have 12b-1 fees?

Check and see if your state has a 457 you can join. In Ohio http://www.ohio457.org is better than I can get on my own at Vanguard, whereas 403bs are far, far, worse.
by runner9
Thu Oct 23, 2014 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do all mutual funds have 12b-1 fees?
Replies: 23
Views: 1278

Re: Daycare educational material for 3 year old

In Ohio we have "Step Up to Quality" program where centers can go for additional requirements to be at a certain "star level" My son's center is 3 stars, his prior one was 1 star. His current center is also NAEYC certified. The state certification site lists several other accredi...
by runner9
Thu Oct 23, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Daycare educational material for 3 year old
Replies: 10
Views: 679

Re: Firm Innerspring Mattress for Occasional Use

We're partial to The Original Mattress Factory. One of theirs was a Consumer Reports Best Buy in the latest issue.

Looks like $312 for their basic full, not sure of the Firmness at quick glace or if they're in your area.

http://www.originalmattress.com/classic/overview
by runner9
Tue Oct 21, 2014 6:21 am
 
Forum: Personal Consumer Issues
Topic: Firm Innerspring Mattress for Occasional Use
Replies: 1
Views: 163

Re: Gifting from g-parents to minors

lhl12 wrote:She can gift up to $70,000 at a time into each 529 if she wishes - up to five years worth of $14,000 contributions can be "prepaid" into one year.


To be clear, this is true as long as no other contributions are made for the next 5 years.
by runner9
Mon Oct 20, 2014 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting from g-parents to minors
Replies: 6
Views: 905

Re: Gifting from g-parents to minors

I second trying to work out how she can send the money directly to the 529 plan. Note that 529s allow for excess contributions spread over 5 years, so there's not a $14K per year limit, per se. See IRS Form 709. She could also start another 529 for each child and contribute to it, with herself being...
by runner9
Sun Oct 19, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting from g-parents to minors
Replies: 6
Views: 905

Re: Mold in dishwasher

We leave the door propped over all night after running it and have had no issues. Does the bottom now slope to the drain? I don't understand how there can be standing water after so much time.
by runner9
Sun Oct 19, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Mold in dishwasher
Replies: 14
Views: 1106

Re: Thoughts on Paul Merriman's Portfolio

I use his plan with 7 different asset classes. As our retirement plans grows it's getting more complicated to rebalance across funds with new money. For instance, 2 classes are now 3% under target but they're in my wife's Roth which is maxed for the year and nothing's over percentage in her Roth, so...
by runner9
Sun Oct 19, 2014 8:36 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2267

Re: 403b deduction glitch

This reminds me that I've got it written down to call Ohio457 with my wife after the last pay in October. They sent a letter in January with the correct per pay deduction to max at 17.5K for the year, then another letter 2 days later that was upping the per pay and would only match 17.5K if there wa...
by runner9
Sat Oct 18, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403b deduction glitch
Replies: 11
Views: 621

Re: LASTPASS Password Program

Thanks for the reply. I guess I can try that, but now I need to know/store a good master password. Suggestions? There's an old thread with some file that worked on Window XP but that's not an option anymore for storing a master password. I guess I could just memorize something, probably with 10 or 1...
by runner9
Fri Oct 17, 2014 9:59 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 28
Views: 2621

Re: LASTPASS Password Program

Based on this thread and a few others I started using Lastpass a few weeks ago. I'm using it on one bank account and changed that account password to some obsure thing I could never remember. So far so good. My concern is that it's like it's always "on" As soon as I go to that bank website...
by runner9
Fri Oct 17, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 28
Views: 2621

Re: Gifting planning for upper 60s widowed.

Thanks, it's currently a one time decision with plans to reassess and consider a few years from not, but not in between.

All advice appreciated, specifically asking about gift tax implications.
by runner9
Fri Oct 17, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2314

Re: Gifting planning for upper 60s widowed.

Thanks for the replies. Two (I hope) final questions: This $14K limit is for the entire year. So, should a check be for no more than $14K less non-cash gifts made during the year, such as a gift card for a birthday, a decoration for Easter, etc. Maybe $13.5K just to be safe? Or, am I reading to much...
by runner9
Fri Oct 17, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2314

Re: Samsung or LG Washer and Dryers (reliability and repairs

We've had Samsung front loaders for about a year. We like everything except the quietness and longness of the "song" when the load cycle is over. If you google something like "Samsung washer sings" you'll get several videos. Its a good 30 second jingle that we can't hear if we're...
by runner9
Wed Oct 15, 2014 9:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Samsung or LG Washer and Dryers (reliability and repairs)
Replies: 23
Views: 863

Re: Gifting planning for upper 60s widowed.

Thanks, as far as I can tell my surviving parent and myself/wife are both in the 15% bracket. No idea about my sibling, probably 15% or 25%.

The distributions are 0.0001 per share per month in VOHXX, so with $35K in there I'm guess less than $3 in gains in 6 months.
by runner9
Mon Oct 13, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2314

Re: Gifting planning for upper 60s widowed.

Thanks. We talked about getting a checkbook for the Ohio Tax-Exempt Money Market Fund in the Taxable Account. The paperwork to get that checkbook set up was created today. This would be to gift $28K out of that account which is solely in my surviving parent's name. There will certainly be a tax retu...
by runner9
Mon Oct 13, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2314

Re: Portfolio review for upper 60s widow/er

Again, thank you for the response. We had a 45 minute conversation with the Flagship rep. I was glad to be a part of it, he was very nice but used a lot of words my surviving parent is still learning. My only confusion was on reporting a gift of $14 to the IRS, which I just asked about in a previous...
by runner9
Mon Oct 13, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1162

Re: Gifting planning for upper 60s widowed.

My surviving parent has pretty much decided to gift $14K each to 2 children (28K) one time only, at least for now. These will most likely come from a taxable account, Ohio Tax-Exempt Money Market (VOHXX) which currently has $35K in it. We talked to a Flagship rep today who was pushing for an "i...
by runner9
Mon Oct 13, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting planning for upper 60s widowed.
Replies: 30
Views: 2314

Re: Portfolio review for upper 60s widow/er

Thank you for all the replies. Taxable had a full step-up basis to the date of death, in late April. Interesting that most/all suggest withdrawing from Taxable. I was considering suggesting from Traditional as this is the last year to filed married, which moves the tax brackets upwards. That is, 55K...
by runner9
Sun Oct 12, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1162

Re: "accessible" junction box meeting code in ceiling

Why not just run the new wire out of the built in box? How else would you put a few recessed lights in a row? The short answer, I think, is that it's a code violation.

I'll recommend another forum, not sure if I can post it here so I'll PM you. It's a forum I use for electrical questions.
by runner9
Fri Oct 10, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: "accessible" junction box meeting code in ceiling
Replies: 8
Views: 393

Re: Indoor tankless water heater recommendations

When our 21 year old tank dies I'd like to use something that makes the brick chimney useless and able to be removed. As I keep here issues with tankless I lean towards a power vent assist type. I may start another thread for opinions on that, especially sound.
by runner9
Thu Oct 09, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1904

Re: Portfolio review for upper 60s widow/er

152 views and no replies. Is my post to long, would using code to make nicer columns help?
by runner9
Thu Oct 09, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1162

Portfolio review for upper 60s widow/er

My surviving parent and I are doing a three-way phone call with a Vanguard Flagship rep on Monday. We have a few general questions, like if some found checkbooks are valid for any accounts, why do statements for the deceased parents accounts come monthly with all zeros, etc. Two questions about the ...
by runner9
Wed Oct 08, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1162

Re: Vanguard Services Question

See how you qualify for Flagship and Voyager Services Eligibility is based on total household assets held at Vanguard, with a minimum of $50,000 to qualify for Vanguard Voyager Services®, $500,000 for Vanguard Voyager Select Services®, $1 million for Vanguard Flagship Services®, and $10 million for...
by runner9
Tue Oct 07, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Services Question
Replies: 3
Views: 354

Re: Post disappeared before being posted

If your window is still open can you use the back button several times to get back to it (hit or miss for me)

Just a thought.
by runner9
Tue Oct 07, 2014 1:49 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1254

Re: Large Inheritance - Need Advice

Take option #4 off the table, it's only a good choice for the salesman.

Read the link about Managing a Windfall and don't make any big decisions for a while, just learn, think and consider.

(Assuming the money is currently in a savings account, etc under FDIC limits)
by runner9
Tue Oct 07, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3488

Re: Indoor tankless water heater recommendations

To the OP: are you thinking a gas tankless, electric, propane, etc?

What heating sources are currently available in your house?
by runner9
Tue Oct 07, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1904

Re: Indoor tankless water heater recommendations

A couple of more recent threads that may or may not be helpful, having only reskimmed them right now. http://www.bogleheads.org/forum/viewtopic.php?f=2&t=133940&p=1979486 http://www.bogleheads.org/forum/viewtopic.php?f=11&t=129263&p=1902050 Personally I'm not yet convinced they are b...
by runner9
Tue Oct 07, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Indoor tankless water heater recommendations
Replies: 29
Views: 1904

Re: manipulating Amazon reviews

A google search for "amazon review deleted" brings up lots of stories from late 2012. Any example:

http://www.nytimes.com/2012/12/23/technology/amazon-book-reviews-deleted-in-a-purge-aimed-at-manipulation.html?pagewanted=all&_r=0
by runner9
Fri Oct 03, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2920

Re: manipulating Amazon reviews

I look at a lot of jigsaw puzzles on there, to me there are a ton of low star reviews that only really say "missing a piece/pieces". My personal opinion is that most of the time this has only to do with the piece being lost while being put together, most puzzles have a few of these reviews.
by runner9
Fri Oct 03, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: manipulating Amazon reviews
Replies: 33
Views: 2920

Re: Road Scholar: Your experience?

My parents, when both were still living, did several trips and seemed to enjoy them a lot, some more than others. They would often string 2 together and travel then do 2 back to back, then travel home.
by runner9
Thu Oct 02, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Road Scholar: Your experience?
Replies: 26
Views: 2762

Re: CNN: 5 investing secrets of the wealthy.

Not once do they suggest buying the total stock/bond market to control fees/risk/panic, or to avoid wasting time. I got that from #2 but maybe that was me reading between the lines: "Our high-net worth clients spend less time on that [picking next hot stock] and instead focus on wanting to own...
by runner9
Tue Sep 30, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 20
Views: 3655

CNN: 5 investing secrets of the wealthy.

http://money.cnn.com/2014/09/30/investing/investing-secrets-wealthy/

Could these get any more Boglehead-ish? If they are not spot on they sure are close!
by runner9
Tue Sep 30, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 20
Views: 3655

Re: How can I stop feeling depressed about my finances?

Your fundamental mistake was choosing to pursue an English degree. Try pursuing another field more aligned with the compensation you desire. Really? :oops: What degree do you suggest instead? :?: There's plenty you can do with an English degree and it doesn't involve being a petroleum transfer tech...
by runner9
Mon Sep 29, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 13987

Re: Paid off mortgage today

Can I ask, did you make a Sept 1 payment and then this as a "payoff" late in the same month? Our mortgage is with PenFed and I project us to be able to pay if off Jan 1 but am hoping to just do it late in December so it's in the current calendar year. (going to call and ask if possible soon)
by runner9
Sun Sep 28, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 3187

Re: Selling car with loan.

Silly me.

So: 20-5+3=18K.
by runner9
Sun Sep 28, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 532

Re: Selling car with loan.

From my first post:

Say, $20K for new car
$5K for trade in
$3K note on trade in.

20-5+2=17K. Is it that easy?

Is this correct for determining what the final bill is to pay or finance?
by runner9
Sun Sep 28, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 532

Re: Selling car with loan.

Thanks for the responses.

I'm going to push my sibling to get a quote from Carmax and then within 7 days buy the new car and offer it as a trade, taking whichever is better.

Any ideas on how to loan factors in when selling as a trade-in or to Carmax? (both responses appreciated, are to private sale)
by runner9
Sun Sep 28, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 532

Re: Paid off mortgage today

Congrats!

Does it officially become paid off on Monday or Oct. 1 or today?

Regardless, congrats. We hope to do the same in a few months.
by runner9
Sat Sep 27, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 26
Views: 3187

Selling car with loan.

My sibling wants to sell a current car that still has a loan on it. (not going into if this is a good idea, etc. here) Just trying to understand how this would play out if the car was traded in or sold on their own. I don't know if they'd get what they owe. (just asked sibling for what is owed and w...
by runner9
Sat Sep 27, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Selling car with loan.
Replies: 8
Views: 532

Re: Stamps cheaper at Staples than at USPS ?

BJs always has stamps slightly cheaper. I think 100 stamps is something like 75 cents or $1 cheaper than current "face" value (realizing "face" is actually "forever")
by runner9
Sat Sep 27, 2014 6:55 pm
 
Forum: Personal Consumer Issues
Topic: Stamps cheaper at Staples than at USPS ?
Replies: 12
Views: 1278

Re: headphones for running

In terms of volume..... I just did a half marathon this morning. Had music at my normal volume and talked to people off and on during the race with no problem. When the HM split from the marathon and relay runners a lady with a relay bib on her back split with us. We yelled up ahead, only about 15 f...
by runner9
Sat Sep 27, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1675

Re: headphones for running

It depends on the volume. I run with headphones but can hear over them very easily. I don't consider it a safety issue at all.
by runner9
Fri Sep 26, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1675

Re: headphones for running

I use these: http://www.amazon.com/gp/product/B003CJTR82/ref=wms_ohs_product?ie=UTF8&psc=1 . They have never (almost never?) jiggled out of my ear canal, even with lots of jumping. The cord has survived lots of sweat (though I did have to replace the first pair at exactly the one year mark last...
by runner9
Fri Sep 26, 2014 1:44 pm
 
Forum: Personal Consumer Issues
Topic: headphones for running
Replies: 40
Views: 1675

Re: Vanguard Quarterly Dividends in September

http://research.archives.gov/description/541927

The big sign says "soup coffee & doughnuts" with the first part covered.
by runner9
Thu Sep 25, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 5137
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