Search found 137 matches

by A440
Wed May 23, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Should I purchase Lake House for Primary
Replies: 28
Views: 4183

Re: Should I purchase Lake House for Primary

Another bump... ...I'm wondering how many have sold their primary home to move to a lakefront community in retirement? What were your criteria? (e.g. close to good healthcare, lower property taxes, close to grown children and grandchildren, shopping, etc) Owning a lakefront home is on my wish list i...
by A440
Tue May 22, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 91
Views: 12523

Re: Teachers: what are your best personal finance tips?

This is an excellent topic. I can only speak to my own experience as a 35 year high school teacher/coach who has been retired for 13 years in Mass. In general, live below your means, max out all retirement avenues, and educate yourself on sites like this. Our best move was probably buying a small h...
by A440
Tue May 22, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Roth IRA contributions during semi-retirement?
Replies: 14
Views: 661

Roth IRA contributions during semi-retirement?

I'm curious if those who semi-retire before age 59 1/2 and still earn a salary, do you still contribute to your Roth IRA? Or, did you stop contributing and instead use the money to pay for annual expenses?
by A440
Sat May 19, 2018 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Push child to avoid expensive college?
Replies: 210
Views: 19656

Re: Push child to avoid expensive college?

"H.S. teachers in the Northeast can make $100K+ after 20 years, plus a defined benefit pension plan worth 60% of final average salary. But wait, there's more........if she aspires to obtain an administration degree she can break out into the major leagues of earnings....300K+ for a superintendent j...
by A440
Sat May 19, 2018 6:12 am
Forum: Personal Finance (Not Investing)
Topic: What’s your phone/internet bill?
Replies: 92
Views: 5615

Re: What’s your phone/internet bill?

$29.99/month for Comcast Internet (up to 60 Mbps) (We own the modem) $5/month in taxes only for landline (Ooma.com) (We own the device) $30/month unlimited text, 5 GB data, 100 minutes talk T-mobile (Wife's phone) $3/month 30 calls/text no data T-mobile (for my teen son and myself; we live mainly in...
by A440
Tue May 08, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 7869

Re: Bucket List Adventures/Activities

I'd like to learn how to play slack key guitar and serenade my wife while viewing a sunset in Hanalei Bay Kauai.
by A440
Sat May 05, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 40
Views: 3720

Re: Family vacationing

You may have already done this, but Acadia and Bar Harbor in Maine is great for a young family. Plenty of hiking, swimming and biking. The bus system is free in the summer and you can find all different levels of lodging. Last year a park pass was $25 for the week. Best of all, you get free air cond...
by A440
Fri May 04, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Help with old 401K/403B
Replies: 13
Views: 850

Re: Help with old 401K/403B

This may not be a concern for you, but if you roll the 403b into an IRA, you must wait until 59 1/2 to make penalty free withdrawals. If you are separated from service with the employer where the 403b is held, you may make penalty free withdrawals at age 55. Just something to consider should you des...
by A440
Sun Apr 29, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 89
Views: 12435

Re: [favorite] Boglehead quotes

"Feed your investments when you're younger, and when you're older, they will feed you"

I'm not sure if I've heard that before, or if I just thought of it? :mrgreen:
by A440
Sat Apr 28, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1333978

Re: The Three-Fund Portfolio

One of the things I planned to do when I turned 50 was simplify my portfolio. So,yesterday I moved all our tax advantaged accounts to the Three-Fund Portfolio model. I have also begun to move some of my taxable accounts to VTSAX from less tax-efficient funds. Many thanks to Taylor for his help and r...
by A440
Wed Apr 25, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2092

Re: Vanguard customer experience

Yes and Yes. I wanted advice what to move from Roth IRA accounts, Traditional IRA accounts, 403b accounts, and Taxable accounts to satisfy new 3-fund AA mix of domestic/international stocks and bonds. Simple math for some, perhaps. :happy
by A440
Wed Apr 25, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard customer experience
Replies: 22
Views: 2092

Re: Vanguard customer experience

I was chagrined with the lack of help I received yesterday from a Vanguard CFP during a scheduled phone conference. I was looking to rebalance my portfolio to the 3-Fund model suggested by Taylor Larimore. The CFP was pushing for a 4-fund model to include International Bonds and a larger percentage ...
by A440
Fri Apr 20, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Financial "coaching"/consulting certifications?
Replies: 13
Views: 1222

Re: Financial "coaching"/consulting certifications?

You might also check out The American College of Financial Services: https://www.theamericancollege.edu/

There are lots of designations/certifications from which to choose.
by A440
Wed Apr 18, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: landline solutions
Replies: 27
Views: 1635

Re: landline solutions

VOIP is more reliable in our town than the antiquated telephone lines that come to our house from Verizon. FIOS is not yet an option.

We pay $5 month for Ooma after having paid for the device.
by A440
Tue Apr 10, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 53
Views: 7314

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
Tue Apr 03, 2018 5:50 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) / 457(b) Selection and Vendor Advice
Replies: 21
Views: 1047

Re: 403(b) / 457(b) Selection and Vendor Advice

BIG Thank You to everyone for the input so far. Regarding the 403b vs 457b option, one of the biggest differences seems to be when you can start making withdraws on the account penalty free (59.5 for 403b). If I left the organization I'm currently at, couldn't I roll that account over to my IRA and...
by A440
Fri Mar 23, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Certified College Advisor??
Replies: 3
Views: 407

Certified College Advisor??

So here's a new one to me... I attended was was supposed to be a college planning workshop at a local library. Instead, it turned out to be a sales pitch by an insurance guy (former Wall Street broker) who had "Certified College Advisor" after his name. I'm not a fan of brokers, or folks that sell a...
by A440
Wed Mar 21, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: Sonos Playbase
Replies: 3
Views: 411

Re: Sonos Playbase

Your friend is living my dream (cue Aerosmith's "Dream On") :happy
by A440
Wed Mar 21, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Sonos Playbase
Replies: 3
Views: 411

Sonos Playbase

Anyone purchase the newer Sonos Playbase? Is it worth the $700 price tag? Can it be used for music without the TV being on?
by A440
Wed Mar 21, 2018 6:16 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 5392

Re: New Subaru Outback vs. used Volvo XC-70

We purchased a 2016 Outback Limited 2.5 because it was the safest car we could afford that met our current and assumed future needs (for the next decade). The only thing I would do differently is choose the V6. But it's my wife's car and she didn't seem to want more power :D The only issue we had wa...
by A440
Mon Mar 05, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2274

Re: Bathroom remodel decision

Thanks for all the thoughts/suggestions. The bathroom is 9x9 with the sink/shower along an interior wall. Whatever decision we make, I would like to use solid surface for the shower walls, based on recommendations from a previous post on the subject. Perhaps if it is in the budget, we can use the sa...
by A440
Sun Mar 04, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2274

Bathroom remodel decision

We are going to remodel our master bathroom. The value of our home ($400k) is below average for our town. We have an additional bedroom and bathroom compared to many homes in our neighborhood. In the same neighborhood, there are a few homes above our value, but many are below. We are trying to decid...
by A440
Thu Feb 08, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Getting Rid of Ants in the House?
Replies: 46
Views: 2758

Re: Getting Rid of Ants in the House?

+1 for Terro Liquid Ant Baits.
It's like announcing FREE BEER to all the ants, only they don't recover from the hangover :D
by A440
Wed Feb 07, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 5301

Re: Cheap cell phone plans

TMobile - $3/month including any combo of 30 min or texts. Additional usage .10/min or message. Need to pay for $20 SiM starter kit fee. Not sure what that is. +1 My son and I use this plan. It doesn't have a data plan, but we spend most of our time in "wi-fi" zones (schools or at home). Very seldom...
by A440
Thu Feb 01, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: A question for Boglehead masons/freemason
Replies: 0
Views: 350

A question for Boglehead masons/freemason

What product would I use to parge an open porch with a concrete pad and block foundation? The old parging has cracked and I would like to re-surface (parge) the foundation.
by A440
Wed Jan 24, 2018 7:56 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1333978

Re: The Three-Fund Portfolio

I'm ready to move to the Three-Fund Portfolio. Do I post the details of my portfolio here or somewhere else on the forum for advice on how to allocate in the different types of accounts? I also plan to ask my Flagship rep to ask my Vanguard CFP the same question. It should be interesting to see the ...
by A440
Mon Jan 22, 2018 5:57 pm
Forum: Personal Consumer Issues
Topic: The Re-Set Button
Replies: 37
Views: 3275

Re: The Re-Set Button

I should have checked here first... We had a transformer blow in our neighborhood on Sunday morning and we lost power. The heater was on when we lost power and when the power came back on an hour later, the blower worked, but no heat. The error code indicated by the blinking LED light on the gas-fir...
by A440
Tue Jan 16, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Which is the best 529 plan for nj resident?
Replies: 15
Views: 1143

Re: Which is the best 529 plan for nj resident?

As a NJ resident, we use College Savings Iowa, run by Vanguard. The Nevada plan and Utah plans are also great options. I believe they are all run/managed by Vanguard and have low fees.
by A440
Mon Jan 08, 2018 5:38 pm
Forum: Investing - Theory, News & General
Topic: Spousal benefits and 40 credits question
Replies: 4
Views: 396

Re: Spousal benefits and 40 credits question

Thank you, I wasn't aware of the amount vs. time fact.
by A440
Mon Jan 08, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Spousal benefits and 40 credits question
Replies: 4
Views: 396

Spousal benefits and 40 credits question

I'm reading "How to make your money last" by Jane Bryant Quinn. My understanding with the chapter on Social Security and Spousal benefits is that when you put in a claim, Social Security will pay you the higher of your benefit or your spousal benefit, but not both. My SAH wife has 39 credits, just s...
by A440
Sun Jan 07, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: How much are you putting in a 529?
Replies: 111
Views: 8979

Re: How much are you putting in a 529?

We started an 529 for each of our 2 children after they were born. After making sure we funded our Roths and 403(b)(7) first, we would contribute enough each month to pay for what an estimated 4 years of a a public state college would cost when they turned 18. We used Vanguard's college planner to h...
by A440
Sun Jan 07, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2699

Re: Flagship milestone: Thank You Bogleheads!

Congrats! Did you take a screenshot of your account balances to remember the date you reached the milestone? It might be interesting to compare how long it takes to reach the next million. I don't care for math, but I enjoy seeing what the power of compounding does to our account balances over time....
by A440
Sun Jan 07, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Is Schwab's total U.S. index fund better than Vanguard or Fidelity's?
Replies: 6
Views: 1454

Re: Is Schwab's total U.S. index fund better than Vanguard or Fidelity's?

We opened a Schwab Custodial Account for our teen and he choose the Total US Index because he could own thousands of stocks for an initial investment of $100 and no fees other than the expense ratio. He wasn't able to meet the $3,000 Vanguard minimum.
by A440
Thu Jan 04, 2018 7:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Auto-Invest Glitch and work-around
Replies: 0
Views: 217

Vanguard Auto-Invest Glitch and work-around

There is a glitch for some Vanguard clients that shows Automatic Investment (under Account Maintenance) is Inactive. My Flagship Rep told me this should be corrected in the next update in February. Meanwhile, those affected can still see active automatic investments by clicking under "Bank Informati...
by A440
Thu Jan 04, 2018 7:10 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2159
Views: 1333978

Re: The Three-Fund Portfolio

I was telling an acquaintance of mine who is a CFP that I am going to move to a "lazy" 3-fund portfolio in 2018. He had never heard of the idea :oops:
by A440
Sun Dec 31, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3035
Views: 933578

Re: What Book Are You Currently Reading? Part VI

"How to Make Your Money Last" by Jane Bryant Quinn
by A440
Sun Dec 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: "Dear Younger Me,"
Replies: 11
Views: 1504

"Dear Younger Me,"

I was listening to Mercy Me's "Dear Younger Me" on the radio driving home from work the other day and it got me thinking. If I could tell the younger version of myself something, what would it be? I imagine that there would be plenty of admonitions, and both poignant and humorous words of wisdom. Bu...
by A440
Sun Dec 24, 2017 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 8298

Re: Will you donate less to Charity?

We will continue to tithe to our church. 10% of our income is nothing when compared to all the blessings we have received. (Malachi 3:10)
by A440
Tue Dec 19, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Personal finance book/blog recommendation for high school graduation
Replies: 6
Views: 586

Re: Personal finance book/blog recommendation for high school graduation

John Bogle's "Little Book of Common Sense Investing"
by A440
Mon Dec 18, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard auto-invest issue?
Replies: 0
Views: 275

Vanguard auto-invest issue?

My Auto-Investment shows inactive, but I didn't change anything. When I set up a new Auto-Invest and got a confirmation# it took me to a page that showed my active auto-investments. However, when I go to the Account Maintenance/Auto-Invest tab, none of the settings appear. Anyone else having this is...
by A440
Sat Dec 16, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 24343

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: 193
Views: 18393

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: 193
Views: 18393

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: 193
Views: 18393

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: 53
Views: 7314

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: 53
Views: 7314

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: 2817

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: 2817

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: 8339

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.