Search found 96 matches

by A440
Sat Dec 16, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 160
Views: 19470

Re: Vanguard 403b Changes

Newport Group website and access to Vanguard 403b seems to be down this morning.
I hope it didn't get hacked! :shock:
by A440
Sat Dec 16, 2017 5:51 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 170
Views: 12046

Re: Save all this money, what do you splurge on?

Smart devices to use with Amazon Echo/Dots, to satisfy my inner nerd :happy
by A440
Sat Dec 09, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 170
Views: 12046

Re: Save all this money, what do you splurge on?

If you looking for a proper cup of coffee...


Trout Fishing in America "Proper Cup of Coffee" :)
https://www.youtube.com/watch?v=3XrAkPyStGg
by A440
Sat Dec 09, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 170
Views: 12046

Re: Save all this money, what do you splurge on?

FCM wrote:
Sat Dec 09, 2017 7:59 am
A fully paid-for college education for my son.
+1 (x 2 sons.)
by A440
Sat Dec 09, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 42
Views: 5582

Re: Lincoln Investments "Participant Directed Platform"

So here are my questions: 1) If I were to switch over to the participant directed platform, how would I switch over the funds I currently have, or would I have to simply close out the account and start a new one with Lincoln that is only for the participant directed? You can do a transfer from one L...
by A440
Sat Dec 09, 2017 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 42
Views: 5582

Re: Lincoln Investments "Participant Directed Platform"

Update on Fees: According to my December '16 statement from Lincoln: "RetirementSOLUTIONS PREMIER Custodial Fee Elimination For those investors with retirement accounts, the annual retirement plan custodial fee that ranges from $0 to $35 per account for up to two accounts (maximum of $70) is being ...
by A440
Sat Dec 09, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2460

Re: Sweet Gum Balls

Well...if the Bag-a-nut doesn't work, and I'm frustrated cleaning up the gum balls that litter the roof, gutters, yard, driveway, car windshields, patio, etc. I'm just going to return to this subject for a few laughs :D
by A440
Fri Dec 08, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2460

Re: Sweet Gum Balls

Here is a link to the product in question: https://baganut.com/collections/pick-up ... -harvester
by A440
Fri Dec 08, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 7312

Re: At what age your investments start making more money than you?

Starting around age 46 our portfolio would return more than the take home pay from my modest teaching salary, so long as the average return was 6% or greater.
by A440
Fri Dec 08, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2460

Re: Sweet Gum Balls

mak1277 wrote:
Fri Dec 08, 2017 11:57 am
What's the harm in just leaving them where they land? I have two sweet gums in my front yard. Anything that doesn't get picked up by mowers, or incidentally during leaf raking, just stays in the yard.
They harm our bare feet in the summer :(
by A440
Fri Dec 08, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2460

Sweet Gum Balls

My neighbor has 4 gum trees on the edge of our property that seem to drop all their spiked gum balls on our lawn and patio. For the last 25 years, my winter workout has been raking and using a leaf blower every week or so to clean them up. They are great at providing shade during the summer, but tha...
by A440
Sat Dec 02, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10360

Re: Price of haircut?

terran wrote:
Thu Nov 30, 2017 10:21 pm
Will do good wrote:
Thu Nov 30, 2017 10:08 pm
Wife does the cutting. Free!
+1

Mine is getting pretty good at it too!
+1
by A440
Sat Dec 02, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 160
Views: 19470

Re: Vanguard 403b Changes

Has anyone figured out how to link the Newport/Vanguard 403b to Financial Engines? It no longer shows up under account holdings.
by A440
Sun Nov 26, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 75
Views: 10122

Re: Water Heater Install $1,800!

I'm most likely too late with this post. But for other's who are considering it: I wanted to replace our Bradford White 40 gallon gas atmospheric vent water heater, as it was 15 years old (no leaks). Three quotes to replace were around $1,300. A replacement Bradford White 50 gallon (better FHR and i...
by A440
Sat Nov 25, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Amazon Alexa Multi-room feature
Replies: 3
Views: 506

Amazon Alexa Multi-room feature

We just started using the Amazon Alexa Multi-room feature that allows you to play music on all your Alexa devices simultaneously. It's nice to hear holiday music from Pandora playing on the Echo and the Dots in the bedrooms throughout the house. Not Sonos quality, but the Dot's can be purchased for ...
by A440
Sat Nov 25, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 3876

Re: Washer/dryer suggestions?

Our next W/D will be Speed Queen. Commercial quality, metal gears not plastic. Built to last. All the big box models (Samsung, LG, etc) are plastic junk with fancy fronts and little used cycles with tons of buttons... +1 This was the brand I was advised to purchase by our friendly appliance repairm...
by A440
Fri Nov 24, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Solid Surface Shower Walls and Pan
Replies: 11
Views: 1820

Solid Surface Shower Walls and Pan

Anyone have success with remodeling their shower with solid surface walls and pan? Any thoughts or suggestions would be appreciated. Also, can a frame-less glass door and or wall be used? I'm looking to have solid walls on 2 sides, and a half with glass on the 3rd.
by A440
Sat Nov 18, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15242

Re: Why pay cash for a car?

I like getting the car title in my hand and not having to wait until my 0% loan is paid off :D
by A440
Sat Nov 18, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5216

Re: Where did you first learn about investing?

Age 19. My friend's dad told me about Vanguard. Then I read Vanguard's "Facts on Funds" and Bogle's "Little Book of Common Sense Investing". I opened a T-IRA that same year. I now have the privilege to teach a Teen Finance and Stock Market Game elective to my 7th grade students. Some important conce...
by A440
Sun Nov 05, 2017 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Should one use REITs
Replies: 48
Views: 3692

Re: Should one use REITs

We hold a bit more than Vanguard recommends in our Roth accounts. We used to own a duplex for rental income, but sold it (serendipitously in 2006 before the market correction) just before child #2 was born. I grew weary of the time needed to be a landlord.
by A440
Sun Nov 05, 2017 6:29 am
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2895

Re: PRIMECAP Fund

krow36 wrote:
Sat Nov 04, 2017 8:47 pm
I've had PRIMECAP in my tIRA and Roth IRA for about 20 years. :D I sold some recently to rebalance. :( Most of the rest of our portfolio is in Vanguard index funds.
Same here.
by A440
Sun Nov 05, 2017 6:20 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) - pushing annuity?
Replies: 14
Views: 1298

Re: 403(b) - pushing annuity?

If Lincoln Investments is one of your vendors, see if they offer the Participant-directed platform. You can purchase a Vanguard fund and pay only the fund expense and a $35 annual fee to Lincoln. It is a DIY plan. Keep away from annuities. Your wife will already have two: her pension and Social Secu...
by A440
Sun Nov 05, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: What are your thoughts on buying a car wash? Good investment or is there a catch?
Replies: 46
Views: 4164

Re: What are your thoughts on buying a car wash? Good investment or is there a catch?

I would recommend researching a laundromat instead. Any owners here?
Is it really the cash cow if been led to believe? :moneybag
by A440
Sat Oct 28, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Courses at American College (of Financial Services)
Replies: 9
Views: 567

Re: Courses at American College (of Financial Services)

Retirement Income Certified Professional.
by A440
Sat Oct 28, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Courses at American College (of Financial Services)
Replies: 9
Views: 567

Courses at American College (of Financial Services)

Has anyone taken courses at The American College of Financial Services for their own education, not necessarily for a career. I am interested in their RICP course. I've spent many years putting money in and learning about how best to do it. But soon I will be "flipping the switch" and don't feel as ...
by A440
Sat Oct 28, 2017 5:17 am
Forum: Personal Finance (Not Investing)
Topic: Credit Counseling in semi-retirement?
Replies: 4
Views: 511

Credit Counseling in semi-retirement?

Hello fellow Bogleheads, One of my interests when I hit my FIRE number and age would be to help others by working/volunteering in the credit counseling field, preferably with a faith-based emphasis (e.g. Trinity Christian Counseling). I am also looking more for a face-to-face engagement, rather than...
by A440
Fri Oct 27, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 7974

Re: Charles schwab - why so much cheaper?

I just opened a custodial account for my teen. He wanted a total stock market fund (because he wanted to own 3,000 stocks :happy ). He purchased SWTSX (it has a $1 minimum, $1 subsequent and ER of .03%) He previously owned 2 shares of AAPL and wanted to take the profit and put it into a Total Stock ...
by A440
Fri Oct 27, 2017 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5691

Re: Index investing is boring

If it hasn't been quoted already, "Life should be exciting, your investments should be boring".
by A440
Sun Oct 22, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5729

Re: just hit the two comma club today...some thoughts

Started investing early w/Vanguard (opened my IRA at age 19), worked a side hustle for the last 25 years, LBYM, always maxed out Roth IRA while also contributing to a low-fee 403(b)(7), learned from my investing mistakes, and married a frugal wife :D A touch of providence was also very helpful. Soli...
by A440
Sat Oct 21, 2017 6:24 am
Forum: Personal Finance (Not Investing)
Topic: just hit the two comma club today...some thoughts
Replies: 37
Views: 5729

Re: just hit the two comma club today...some thoughts

Congratulations! :sharebeer
We hit the mark Aug '14, when I was 46 (my goal was 45).
Still, not too shabby for a public school teacher whose wife stays home to help raise the kiddos :happy
by A440
Fri Oct 20, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Finally a win for teachers!! [403(b) modified to add funds]
Replies: 33
Views: 2984

Re: Finally a win for teachers!!

Now you just need to get rid of your biggest fee...union dues! Actually, our dues are lower than other professions. For the $1,000 (+/-) I pay, I feel that I am getting plenty of benefits for my dollars (access to free legal advice, representation, discounts, help with negotiations, advocacy at the...
by A440
Sat Sep 30, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: REITs as "pseudo diversification"
Replies: 44
Views: 3995

Re: REITs as "pseudo diversification"

Agreed. I am holding it Short-term as our only individual stock, until I can find another investment that pays 10% or more. It has a very low allocation in our taxable holdings. BTW, the investment is up 15% YTD. We've held it for a little over 5 years. The price goes up and down, but the dividend i...
by A440
Sat Sep 30, 2017 6:36 am
Forum: Investing - Theory, News & General
Topic: REITs as "pseudo diversification"
Replies: 44
Views: 3995

Re: REITs as "pseudo diversification"

We hold about 10% Vanguard REIT index as part of our diversified Roth portfolio. We purchased a single MREIT (Mortgage REIT) stock, TWO, as an additional way to generate some quarterly dividends to help pay for family vacations. We reinvest capital gains but take dividends from taxable accounts. Aft...
by A440
Sat Sep 30, 2017 6:20 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15759

Re: Why do you LBYM? Why do you save and invest?

Pajamas wrote:
Wed Sep 27, 2017 10:33 pm
I learned to live below my means and invest from my family.
Same here, from older and wiser brother. :happy
Plus, it seems to work for us.
by A440
Sat Sep 30, 2017 6:13 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 19043

Re: What age did you become debt free and what opportunities did it create?

Age 38. We sold our rental duplex before child #2 was born. After paying the taxes and tithe we split the profit of the sale in half: paying off our mortgage and putting the rest towards 1st child's 529 plan. The decision to pay off the mortgage vs. investing was made mainly because this was shortly...
by A440
Thu Sep 28, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: I've fallen and I can't get up -- recommendations?
Replies: 43
Views: 6487

Re: I've fallen and I can't get up -- recommendations?

Amazon is taking pre-orders for the Amazon Connect, which allows a landline to be used with Echo. Voice-activation calls including 9-1-1 calls are possible.
https://www.engadget.com/2017/09/27/ama ... o-connect/
by A440
Sat Sep 09, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: NJ Teacher Lost with 403bs
Replies: 30
Views: 3958

Re: NJ Teacher Lost with 403bs

So YES, your fees were excessive! NJ teachers in districts that have Lincoln Investment on the 403b provider list are able to use a very low cost Lincoln plan called Solutions Participant Direct Platform. Please read over this thread: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=175295 This...
by A440
Wed Aug 30, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8852

Re: T-Mobile promotion for 55+

If you spend most of your time in a free wi-fi area and/or don't need a data plan or the need for too many calls/texts T-Mobile has a $3/month plan for 30 calls/texts a month +.10 for each additional if you go over: https://prepaid-phones.t-mobile.com/pay-as-you-go Both myself and my teen use this p...
by A440
Wed Aug 23, 2017 6:53 am
Forum: Investing - Help with Personal Investments
Topic: 403(b)/457 Provider Options
Replies: 5
Views: 549

Re: 403(b)/457 Provider Options

I am a teacher in NJ and always try steer my fellow colleagues away from annuities before the "salespeople" sign them up. We already have two annuities: our pension and Social Security. Normally, we don't need another. If someone needs an annuity in the future, they can take the money that has compo...
by A440
Sun Aug 06, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 97
Views: 9328

Re: LED light bulbs

I have seen the future, and it is fun! Expensive, but fun. Agreed! I recently added 5 GE wi-fi connected BR30 dimmable LED type bulbs for a new recessed light project, along with a Wink Hub and a Lutron remote dimmer. The bulbs "talk" to the hub, which in turn "talks" to the Amazon Echo. I set up t...
by A440
Fri Aug 04, 2017 6:28 am
Forum: Investing - Theory, News & General
Topic: VGSTX: Is Vanguard STAR Still A Star?
Replies: 22
Views: 3682

Re: VGSTX: Is Vanguard STAR Still A Star?

We've used this fund of funds for our kids custodial accounts since they were born in addition to 529 accounts. If the money in the accounts are needed for college, the STAR fund is a bit less risky than a Total Stock Market fund. If the separate 529's accounts cover the college costs (what?...it co...
by A440
Tue Jul 25, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 1005

Re: DIY Dishwasher Repairs

It's not so much that I enjoy doing the repairs, especially if it involves going into the crawlspace :shock: . But I do enjoy showing the kids how to fix things (hopefully), and like to get them involved with helping Dad with such things. Hopefully they see the satisfaction and value of fixing somet...
by A440
Tue Jul 25, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: DIY Dishwasher Repairs
Replies: 9
Views: 1005

DIY Dishwasher Repairs

Our 9 year old dishwasher is becoming like an old car. Things keep breaking, but with every fix I become more acclimated with how the thing works. Thankfully, I usually have the time, and YouTube and online repair sites have the directions to fix these issues when they present themselves. So today i...
by A440
Thu Jul 20, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 160
Views: 19470

Re: Vanguard 403b Changes

FWIW, Sorry if this has already been discussed... I called Vanguard about the letter and had my questions/concerns answered. 1- Does this only affect the 403(b)7 I hold at Vanguard, or does it also affect the account I use for my current deductions through our Board approved vendor (in my case, Linc...
by A440
Thu Jul 20, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 160
Views: 19470

Re: Vanguard 403b Changes

[quote="Pajamas"]I got the same letter from Vanguard yesterday about a 403(b) from a former employer. Currently the fees on my account are $15 a year, which I believe is per fund, and the new fees are going to be $60 a year. The fund I hold in the account does not have Admiral shares, so there is no...
by A440
Fri May 19, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX and Portfolio Watch
Replies: 2
Views: 406

VTIAX and Portfolio Watch

Anyone know why VTIAX doesn't show up on Portfolio Watch as a Large-Cap holding when looking under Stock Analysis/Market Capitalization? I contacted Vanguard and they said this issue was corrected, but it still exists. :oops: I'd like to re-balance soon and would like to get an accurate idea of wher...
by A440
Sun Mar 05, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18755

Re: Possibly Financially Independent and Feeling Miserable

"The problems surface when people replace self worth with net worth."


Don't think Less of your self...Think of your self Less. :)
by A440
Sat Mar 04, 2017 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Possibly Financially Independent and Feeling Miserable
Replies: 153
Views: 18755

Re: Possibly Financially Independent and Feeling Miserable

John D. Rockefeller, an Ohio native, started Standard Oil. Rockefeller was at one point the world’s richest man and first ever American billionaire. Considering he was a billionaire in the early 1900’s he is still considered as the richest person in modern history. When a reporter asked him, “How mu...
by A440
Thu Jan 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Pension options vs Term-Life policy
Replies: 11
Views: 1070

Re: Pension options vs Term-Life policy

You should thank Chris Christie for strengthening your pension plan. Very few (if any) private pensions offer COLA and free retirement health care. Welcome to the real world. I agree with other recommendations to leave high cost of living state like NJ for a lower tax rate state in the South. Sorry...