Search found 435 matches

by BashDash
Fri Dec 15, 2017 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on Security Benefit 403(b)
Replies: 7
Views: 533

Re: Feedback on Security Benefit 403(b)

I was a little unsure about Security Benefit Direct Invest as well but I transferred my high fee 403b there and could not be happier. My account is over 50k so I am essentially just paying expense ratios. Check out 403bwise.com And Ed LaFave's website Educators Fighting for Awareness and there is so...
by BashDash
Thu Dec 14, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3204

Re: Cheap tablet just for internet surfing

I agree with travelgeek i actually mostly use the ipad while on the couch with wife. Easy to pay bills, read news, read BH without sitting at a table. Amazonfire 10 would have software updates right? I feel like 110$ would be a good price point and 10"is decent size.
by BashDash
Thu Dec 14, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3204

Re: Cheap tablet just for internet surfing

the Amazon fire 10 looks like it is around $110. I saw a previous poster say that youtube and google products would not be available. I doubt that would mean that you cant access those websites as well would it?
by BashDash
Thu Dec 14, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3204

Re: Cheap tablet just for internet surfing

I'm leaning towards that RCA 10" tablet that it looks like i can buy for 99$ on HSN. ( maybe even less using topcashback.com portal).
by BashDash
Wed Dec 13, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

Re: NYC restaurant suggestion

Thanks everyone! Will definitely update everyone once we get back. I must admit to being a little overwhelmed with choices now. Checking out menus online is a big help. I think I'm really leaning towards a tasty, hearty meal in a place that is not too loud or cramped and we can hear each. We're real...
by BashDash
Wed Dec 13, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

Re: NYC restaurant suggestion

Thanks everybody for chiming in! I guess i am leaning towards a middle of the road place that has a nice enough ambience that isn't overly loud that has some great food and we can leave without being hungry!
by BashDash
Wed Dec 13, 2017 10:02 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3204

Re: Cheap tablet just for internet surfing

Thank you everybody!
by BashDash
Tue Dec 12, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

Re: NYC restaurant suggestion

Thank you all for helping me plan a nice night out!
by BashDash
Tue Dec 12, 2017 1:06 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

Re: NYC restaurant suggestion

Thanks all so far!
by BashDash
Tue Dec 12, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

Re: NYC restaurant suggestion

OP here thanks for all suggestions so far keep them coming :).
by BashDash
Tue Dec 12, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 38
Views: 2050

NYC restaurant suggestion

Hi all BH, If you had one meal to eat in NYC where would it be? I know NYC has an abundance of restaurants but I always look to my fellow BH for financial and consumer advice. Staying one night in nyc on a saturday night and would love a great night out with my wife for a delayed anniversary celebra...
by BashDash
Tue Dec 12, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3204

Cheap tablet just for internet surfing

Hi all BH, Thanks for all the help in the past. I'm looking to purchase a tablet for my senior parents that will purely just be used for internet surfing and email checking. Operating system is irrelevant. Size is not overally important just as long as it is bigger than their current iphone 4 model....
by BashDash
Fri Dec 01, 2017 1:53 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 8611

Re: Ok reasons for a 37 year old to have a 60/40 mix?

OP here. The fact that we will be a dual pension household pension in retirement makes me feel no reason to take on unnecessary risk. Yes, pensions are not guaranteed but ours is stable and should be enough to provide for all of our expenses. I have read others on the board who would take more risk ...
by BashDash
Thu Nov 30, 2017 9:23 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 61
Views: 8611

Re: Ok reasons for a 37 year old to have a 60/40 mix?

OP here. Wanted to add another reason for me to use 60/40. I am trying to visualize the feeling of a major downturn and I think 60/40 would be great. Lately, I think maybe I should be more in equities with the huge run up but I think my personal allocation should be thought out based on bad times no...
by BashDash
Tue Nov 28, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2407

Re: individual stock taxable account emotions

Update. Step 1 for me was to sell enough stock in my positions to get my original investment back. I guess I am essentially playing with the houses money. All of this should not have any taxes taken out of it given my current tax bracket. For some reason, I could not sell any of the Home Depot, Berk...
by BashDash
Wed Nov 15, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Going to College to become a Teacher - 19 Started Roth IRA.
Replies: 15
Views: 1295

Re: Going to College to become a Teacher - 19 Started Roth IRA.

-I wish I had found this site before teaching!

-Like Cyclingduo mentioned: Bookmark www.403bwise.com NOW!


-I would even go so far as to not take on a job that does not have a low cost vendor for your 403b.


-Get the masters during teaching.
by BashDash
Mon Nov 13, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) - pushing annuity?
Replies: 14
Views: 1298

Re: 403(b) - pushing annuity?

Happy user of the NY 457 here and also the Security Benefit Direct Investwhich became my new 403b "home" after I moved my horrible variable annuity product to it. My main contributions go the 457 and it is great and low cost. The Security Benefity Direct Invest is great too. Easy website to navigate...
by BashDash
Thu Nov 09, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: When is a good time to rebalance?
Replies: 30
Views: 2385

Re: When is a good time to rebalance?

I have my 403b set to auto-rebalance me quarterly. Is this too much? I am trying to mimick the amazingly, simple and boring Vanguard Balanced Index fund allocation but I also through in a international in the 60/40.
by BashDash
Sun Nov 05, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Ihg free night
Replies: 3
Views: 475

Ihg free night

Does anyone have personal experience booking an ihg free night before it's expiration date for a date AFTER the expiration date? Also, it says dec 6 to dec 16 for my booking date. I am confused by this. It seems that I will be ok thru a little research on the internet but wanted to see if a BH had d...
by BashDash
Tue Oct 31, 2017 7:43 pm
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1132

Electric fireplace

BH, Thank you for the recent help with my sock thread :). DW recently expressed interest in an electric fireplace for our living room upstairs. Possibly duel use a tv stand for a smallish flat screen. Anyone have good luck with these? Not necessarily looking for the warmth more just the cozy feeling...
by BashDash
Thu Oct 26, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 387
Views: 75708

Re: Bank of America/Merrill Edge - Preferred Rewards

I am thinking of opening a bank of america cashback credit card for a easy $150 bonus. I am already a merril edge customer with over 100k. https://secure.bankofamerica.com/applynow/welcome.go I received a 500 bonus earlier this year thanks to this thread. Questions: Will I receive a 75% bonus on the...
by BashDash
Fri Oct 20, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Best no sweat athletic/work socks
Replies: 28
Views: 2152

Best no sweat athletic/work socks

Hi BH,

Any recommendations for a no stink/ no sweat sock that I can wear to work? I wear sneakers or casual dress shoes to work and I haven't had any luck lately. Didn't see a past thread directly related to socks. Thanks!
by BashDash
Wed Oct 18, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: Best NorthEast US Golf Getaway
Replies: 1
Views: 221

Best NorthEast US Golf Getaway

Hi all BH Golfers, Looking to do a golf weekend getaway in the Northeast with my brother this Spring or Summer. One coming from metro NY and the other coming from East MA. Willing to travel a little by car. Any suggestions??? We are simple guys. It would be more about the comraderie than anything el...
by BashDash
Mon Oct 16, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Questions
Replies: 13
Views: 866

Re: 403b Questions

Krow36 sent this to me around a year ago. It was a game changer and it helped me re-vamp my entire 403b! Email this article to whoever you are dealing with :). I never looked back after reading this. https://vanguardblog.com/2011/10/28/stopping-the-silent-killer-of-returns/ All this energy you are e...
by BashDash
Mon Oct 16, 2017 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 3883

Re: 529 Savings - Is it enough?

I am in NY where I do get a deduction for my 529 contributions. I lump summed a big amount of money ( for us at least ) 50 for our two toddlers. I recently discovered that Roth IRA's can be used for purpose. My wife and I will be fully funding our 403b's and Roth IRA's along with a pension. I am ok ...
by BashDash
Fri Oct 13, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Questions
Replies: 13
Views: 866

Re: 403b Questions

Why not use Fidelity? I saw it on the list. I wish I had that option and so do my coworkers! You also have Security Benefit. You would need to use the the direct invest option that I use to get access to Vanguard. You can create a three fund portfolio using fidelity for cheaper than Aspire. Someone ...
by BashDash
Fri Oct 13, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 685
Views: 115463

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is the Merril Edge bonus a "one time" bonus? I have been happy there but was thinking of bringing 100k to tdameritrade for their 500 bonus to take advantage of their commission free ETF trades. Was wondering if I can keep switching back and forth from Merril to TD? I emailed my Merril rep for a rete...
by BashDash
Fri Oct 13, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: 403b Questions
Replies: 13
Views: 866

Re: 403b Questions

Do you have a list of providers available to your district? Some districts use www.omni403b.com as their administrator. ASPIRE is not a bad choice. They charge .15% plus 30$ flat fee(I think). Way better than your current options. Do you have access to a 457 plan? Maybe call human resources for answ...
by BashDash
Thu Oct 12, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 80
Views: 9353

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

- Avoid the 403b insurance salesmen in the lounge like the plague. - In a district where getting graduate or "inservice" credits raises your pay significantly then do this EARLY and get paid the rest of your life. - Get involved in the school community and get paid extra via an extracurricular activ...
by BashDash
Thu Oct 12, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Am i being stubborn not using my voya stable principal account?
Replies: 4
Views: 598

Re: Am i being stubborn not using my voya stable principal account?

Thanks for all the replies. I think I am going to let simplicity win out in this case. The total bond index long term has returned 4% so I honestly think this will be ok.
by BashDash
Thu Oct 12, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 30
Views: 3222

Re: Clueless on taxes but have luxury of both 403b and 457 space

Thanks for the formatting!

My childcare does get taken out of my paycheck but I don't think it is "pretax". I do use the Wage Works medical and dependent care option that takes out the money pretax. I'm trying to think of other things.
by BashDash
Wed Oct 11, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Am i being stubborn not using my voya stable principal account?
Replies: 4
Views: 598

Am i being stubborn not using my voya stable principal account?

Hi all, It has been about a year since BH saved my ENTIRE retirement via making me aware of my high fee Voya 403b account. I am eternally grateful. I vowed not to deposit any more money with them ever again. Partly, I am upset at myself and also the lack of transparency I was subject to once I start...
by BashDash
Wed Oct 11, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 30
Views: 3222

Re: Clueless on taxes but have luxury of both 403b and 457 space

OP here. Back with more info. Seems it was very easy to get the info I need. I am having trouble posting this in a easy to read fashion....On a normal year with no maternity this would be exactly doubled. Type Gross Net Pay Medi Wages MediCare FICA Wages FICA Fed Wages Federal State Wages State Cale...
by BashDash
Wed Oct 11, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2407

Re: individual stock taxable account emotions

All your individual stocks are in the Total US and Total International indexes at their cap weight. You picked individual stocks that did well during this (quite amazing) 8 year bull run where virtually all stocks have gone up. Is that skill, luck, riding the wave? If your gains are big enough, you...
by BashDash
Wed Oct 11, 2017 7:55 am
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2407

Re: individual stock taxable account emotions

The bug to sell my few individual stocks was placed by livesoft. And he probably doesn't even know it. A while back he said something to the effect that when the market goes down he just rebalances into his index funds/ETFs because he knows they aren't going to $0. With individual stocks you do not...
by BashDash
Tue Oct 10, 2017 1:41 pm
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2407

Re: individual stock taxable account emotions

Thanks for all the thoughtful replies! I like knowing all of the options. I didn't give a lot of details but my wife and I basically have roughly 200k in tax deferred accounts; 150K in a ally 1.5% CD, and then this 114k in a merril edge brokerage account. So it is a relatively big part of our overal...
by BashDash
Fri Oct 06, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: individual stock taxable account emotions
Replies: 21
Views: 2407

individual stock taxable account emotions

Hi BH's, Thank you for all the help in the past and my endless posts and nervousness on my individual stock portfolio "mistake" of $114,000 total value. I'm a 60/40 37 year old who is all in on the three fund portfolio. All dividend reinvestments are shut off. My tax bracket is low this year and wil...
by BashDash
Tue Oct 03, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Getting a better mortgage rate without refinancing?
Replies: 9
Views: 752

Getting a better mortgage rate without refinancing?

Hi all, I have been reading some personal finance books recently and came across one titled "The Barefoot Investor". https://www.amazon.com/Barefoot-Investor-Money-Guide-Youll/dp/0730324214 It appears to be written by an Australian author. In one of the chapters it described a way that basically see...
by BashDash
Wed Sep 27, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Re: Novice doing some tax planning for 2018

I'm pretty sure that the total is 36k per person. ( total would be 72k).
by BashDash
Tue Sep 26, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Re: Novice doing some tax planning for 2018

I was using taxcaster. For some reason, it wasnt letting me enter in 403b or 457 contributions. An IRA was an option but I don't use that. I'm probably doing something wrong. I'm also confused on what federal or state with holdings are. I've been putting 0 in but I'm sure that is wrong too. My tax b...
by BashDash
Tue Sep 26, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Re: Novice doing some tax planning for 2018

I am very confused. Let me revisit the numbers before posting again. FICA was completely estimated. I need to look to past returns. I will be back.
by BashDash
Mon Sep 25, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Re: Novice doing some tax planning for 2018

Just went back in and took out the standard deduction as suggested. Also added in FICA, FICA Medicare, and NYS income tax. I ballparked these by looking at one of my recent paychecks. Thanks for all your help!!! Also, I would get 2 child 1000$ credits which comes off of my final tax bill not as a de...
by BashDash
Mon Sep 25, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Re: Novice doing some tax planning for 2018

I think I am double counting. I wasn't sure how to do it. What would you recommend I do? I will go back and edit the original. The flex spending accounts I have can be used for medical and also for child care. The health insurance is NOT an HSA although I have access to one. Thanks for the response!!!
by BashDash
Mon Sep 25, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 1985

Novice doing some tax planning for 2018

Thank you all for my recent "clueless but have the luxury of 457/403b" post especially cyclingduo;s insight. I am trying to do some tax planning for 2018. We will both be making essentially the same exact teaching salary. I've never done my taxes myself but am at least trying to plan how much to con...
by BashDash
Tue Sep 19, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 30
Views: 3222

Re: Clueless on taxes but have luxury of both 403b and 457 space

Found this post from one of my favorite blogs. http://www.millionaireeducator.com/2016/10/2017-free-money.html I am a little confused on how to find the "sweet spot" of paying taxes. These will be very different when my wife is working compared to right now with just me. Is there a part of my payche...
by BashDash
Mon Sep 18, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 685
Views: 115463

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Is it worth asking Merril to pay me a sum of money to keep my money with them as a retention bonus? I'm tempted to put my 100k with Schwab to get that 500$ bonus. However, I like buying my VTI commission free and the simplicity. Wasn't sure if anyone has any experience with retention from Merrill? T...
by BashDash
Sat Sep 16, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: NY 529 Plan
Replies: 8
Views: 781

Re: NY 529 Plan

That seems like a no brainer when child is IN college. Keep contributing 10k then withdraw a month later like mentioned. For me, we lump summer a big ( for us ) amount in the beginning; 50k and had been contributing 350 a month total for our two very small children. Then it just kind of hit me that ...
by BashDash
Fri Sep 15, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 30
Views: 3222

Re: Clueless on taxes but have luxury of both 403b and 457 space

Thanks Mudpuppy! Wow I was just scanning those pages and my head started spinning. Not quite as confusing as the 403b prospectus' I had to scan through last year though :). Thanks to BH's for helping me sort this stuff out.


Thanks again.
by BashDash
Thu Sep 14, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Clueless on taxes but have luxury of both 403b and 457 space
Replies: 30
Views: 3222

Re: Clueless on taxes but have luxury of both 403b and 457 space

I'm a little confused on what a pension factor is? This has something to do with my final average salary of my highest salaries? Thanks!
by BashDash
Thu Sep 14, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: Two household cars with not so great fuel efficiency; make a change?
Replies: 13
Views: 972

Re: Two household cars with not so great fuel efficiency; make a change?

Thanks! I guess I was just temporarily missing my old civic and it's mileage. I like the point made regarding it not making environmental or financial sense to ditch the accord.