Search found 519 matches

by BashDash
Sun May 20, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Road trip Newark NJ to Albany
Replies: 57
Views: 2412

Re: Road trip Newark NJ to Albany

OP do you like hiking and the outdoors? If so, go to Newpaltz and pay for a day pass at Mohonk Mountain House. Hike to the viewing tower in which I believe you can see in the distance three different states. Then do the "lemon squeeze" hike. Took my friend from Portland, OR who has been on some amaz...
by BashDash
Sat May 19, 2018 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 20
Views: 986

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

You struck gold having fidelity and vanguard as providers. Make a low cost three fund index portfolio at an allocation to your desire and you will be miles ahead of your colleagues.
by BashDash
Wed May 16, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3256

Re: What would you do to lower our oversized emergency fund?

OP here. Thank you for all of detailed responses!! We are going to use OPTION 3. Currently we are maxing the NY 457, and Roth. I see no reason not to start maxing the 403b until we get the cash down to a level we are comfortable with. Only we can answer what that number is I guess. I think I will dr...
by BashDash
Tue May 15, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: Patio furniture cover in the northeast
Replies: 9
Views: 498

Patio furniture cover in the northeast

Hi all,
It seems our patio furniture covers cannot handle northeast winters as it gets brittle and rips. Does anyone have a recommendation of a cover of another solution that would work? Same thing used to happen to my grill covers until I abandoned using them. Thanks in advance!!
by BashDash
Fri May 11, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3256

Re: What would you do to lower our oversized emergency fund?

OP here. Thanks for all contributions! Jack FFR1846 : Can you point me in the right direction for more info on zero cost HELOC? KlangFool: Not sure why we have such funds not in the tax deferred. We have basically been substantially increasing our tax deferred contributions to the point where our pa...
by BashDash
Fri May 11, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3256

What would you do to lower our oversized emergency fund?

A recent post got me thinking that our emergency fund is too big and I am brainstorming for something to do about it. Thanks in advance for all responses :) Option 1) Do nothing. Embrace the security that an oversized emergency fund would bring. No new big purchases on horizon. Possible house purcha...
by BashDash
Thu May 10, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Re: Help these teachers decide a price for a possible house purchase

CyclingDuo: Had a good conversation regarding this last night. We came to the conclusion that we may just want to make where we live more suitable to our desires. Heck, if we sold for exactly what we bought it for we would be handing a nice $17,000 check straight over to a realtor. That 17k can go a...
by BashDash
Tue May 08, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Re: Help these teachers decide a price for a possible house purchase

OP here. Just throwing this out there. Are rules for renting similar? This board opened my eyes to the possibility that renting just might not be such a bad thing.
by BashDash
Tue May 08, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Re: Help these teachers decide a price for a possible house purchase

Thanks for all the detailed replies! Cycling duo I have some serious research to do. For such a big decision it will be worth it. I just want us to find a healthy balance of living our life with our expenses and have a daily living space that would make both of us happy too.
by BashDash
Tue May 08, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Re: Help these teachers decide a price for a possible house purchase

Thanks for the reply! So 432k total. I'm not sure if that would bring much of an upgrade. Reason to move might be some more space/privacy in general for our growing family. Current schools good, neighborhood are good. We are literally just exploring options.
by BashDash
Mon May 07, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Re: Help these teachers decide a price for a possible house purchase

David Jay: thanks for the reply!

Working on the expenses.

Household income: 216k

Ages: upper 30s

Agreed on the taxable cash. We have been spending it and deferring more than usual from our paychecks. Almost maxing 457 and 403b each. This is just temporary to lower the cash level.
by BashDash
Mon May 07, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help these teachers decide a price for a possible house purchase
Replies: 16
Views: 2055

Help these teachers decide a price for a possible house purchase

Hi all, Thanks to all BH's for all of the help in sorting out my 403b a year or so again. In verrrrry early stages of seeing housing options for our family of 2 adults and 2 small children in HCOL area outside NYC. Question: What ballpark price could we afford for a house? We don't HAVE to move but ...
by BashDash
Tue May 01, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: 403b
Replies: 32
Views: 2280

Re: 403b

To make a amazingly low cost three fund portfolio you can use:

NYSDCB Equity Index U/A (CIT)
NYSDCP International Equity Fund - Passive
NYSDCB US Debt Index U/A (CIT)


Put in the percentages according to your allocation and you are all set.
by BashDash
Sat Apr 28, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: 403b
Replies: 32
Views: 2280

Re: 403b

I would say yes it would replace it. Both have low fees. 457 wins for ease of set up. Transparency. And don't forget that if you seperate from service for any reason before age 59.5 then you would have access to the 457 money without penalty. I use both but if I picked one it would be the 457. Plus ...
by BashDash
Wed Apr 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 3136

Re: Need to cut the cable cord - is there an alternative?

You don't need a playstation vue to use the streaming service playstation vue. It is the worst marketing ever by them. It is fully available on Apple TV and Roku.
by BashDash
Tue Apr 24, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: 403b
Replies: 32
Views: 2280

Re: 403b

Long List of bad options. 2 Good options to get access to Vanguard Funds. Aspire. Security Benefit (the direct invest option only!!!) Check out Ed's webpage for details on both. Also, try to get your union president to add the NY 457 plan. There is no reason you should not have it available to you. ...
by BashDash
Thu Apr 19, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 969
Views: 169042

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If one was to transfer over 100k to the ally brokerage from the ally savings I would imagine it to be a smooth process. However, for an emergency fund where could one park the money to keep a comparable rate that it was getting in the ally savings?

Maybe not worth the hassle for 300$?
by BashDash
Tue Apr 17, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 52
Views: 3893

Re: NYC restaurant suggestion

Thanks! Will check these new suggetsions out!
by BashDash
Mon Apr 16, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: NYC restaurant suggestion
Replies: 52
Views: 3893

Re: NYC restaurant suggestion

OP here again. Going back for another night soon. Can anyone recommend a nyc sushi restaurant? All you can eat would be great. We are new to trying sushi so we find it to be a nice way to sample different types. Thanks.
by BashDash
Sat Apr 07, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Any advice for 1st time landlord
Replies: 42
Views: 3366

Re: Any advice for 1st time landlord

Former accidental landlord here. The best advice given to me via this board which prompted us to sell our condo unit: “vtsax never calls at 3am that the toilet is not working”.
by BashDash
Mon Mar 19, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Best year round shrub/plant in Northeast for privacy
Replies: 18
Views: 1495

Re: Best year round shrub/plant in Northeast for privacy

Thanks all! Anyone with a good boglehead landscape recommendation for suburban NY please PM me :).
by BashDash
Mon Mar 19, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Best year round shrub/plant in Northeast for privacy
Replies: 18
Views: 1495

Re: Best year round shrub/plant in Northeast for privacy

OP here. Thanks for all the replies! We have a lot to look into. May get an estimate this week just to get a few ideas and an idea on the cost. Sounds like a trip to the nursery will be worthwhile too.

Any other suggestions please keep them coming.
by BashDash
Sun Mar 18, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Best year round shrub/plant in Northeast for privacy
Replies: 18
Views: 1495

Best year round shrub/plant in Northeast for privacy

Hi all, Looking to make some privacy for our backyard/patio in the Northeast. Hoping for something durable and that will reach around 6-7 feet. I am a newbie with this kind of thing. Would I buy it around that height? I dot really want to wait for it to grow unless it is extremely fast growing. We l...
by BashDash
Tue Mar 13, 2018 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Met with School 403(b) Adviser: Need Clarification
Replies: 35
Views: 2099

Re: Met with School 403(b) Adviser: Need Clarification

Are you sure Transamerica is your only provider? For years, I thought I only had one provider only to find out there were actually 18 different providers! Do you have a third party administrator of the plans? They would have this info.

Do you have access to a 457 plan?

What state are you in?
by BashDash
Mon Mar 12, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 40
Views: 6062

Re: Finally Cutting the Cord - YouTube TV

I have been using sling blue plus Hulu. Hulu acts as our "dvr" for my wife's network tv.

Was contemplating a switch to youtubetv but I figured if it ain't broke then don't fix it.

If anyone needs a sling discount through a referral code please pm me.
by BashDash
Fri Mar 09, 2018 5:39 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 2827

Re: What do you pay for your phone/cable/internet? REAL total with tax?

59$ internet only at optimum
24.99 sling tv
11.99 Hulu no ads

Total: around 97$

PS if anyone needs a sling tv discount please PM I can give you a referral code for 5$ off per month for three or four months I think.
by BashDash
Wed Mar 07, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3309

Re: Hulu, Your Current Favorite Show

Any comments on The Looming Towers. Thinking of starting it since I finished The Wrong Mans.
by BashDash
Tue Feb 27, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher with 403b, looking for advice!
Replies: 17
Views: 1131

Re: Teacher with 403b, looking for advice!

Think you might find this site interesting regarding 403b in Florida. Not sure if you are in same county but should be helpful nonetheless. https://educatorsfightingforfairness.wordpress.com/ You are one of the lucky ones with Fidelity as one of your options. Read that link's "investing 101" section...
by BashDash
Mon Feb 26, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 969
Views: 169042

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Hi all, Quick question. During 2017 I transferred from trade king to merril edge for a bonus. Do I need to get tax info from tradeking or will merril have all my tax info for the entire year ( including the time I was still with tradeking). Would the dividends earned earlier in the year be accounted...
by BashDash
Sun Feb 25, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 just broke screen. Need new phone
Replies: 11
Views: 936

Re: iPhone 6 just broke screen. Need new phone

Ended up changing our minds and buying a refurbished 6s at Best Buy. If repairing was going to be close to 200 and a used was 330 we decided to go with the used. Hope it works out.
by BashDash
Sat Feb 24, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Hulu, Your Current Favorite Show
Replies: 38
Views: 3309

Re: Hulu, Your Current Favorite Show

Pennstater I just finished the wrong mans ( season 1) on your recommendation. Awesome! Thanks!
by BashDash
Sat Feb 24, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 just broke screen. Need new phone
Replies: 11
Views: 936

Re: iPhone 6 just broke screen. Need new phone

Thank you all! Think we are just going to get t repaired at the Apple Store for simplicity purposes. These things happen.
by BashDash
Sat Feb 24, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 just broke screen. Need new phone
Replies: 11
Views: 936

iPhone 6 just broke screen. Need new phone

Hi, My wife is in the market for a new phone. We are currently using boom mobile as our mvno carrier and would like to stay. These are their current deals. Anyone use any of these and have a good experience? https://www.boom.us/smartphones She is open to a used iPhone 6 or higher. What is a good pla...
by BashDash
Thu Feb 01, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 43
Views: 7271

Re: closet organizing system

Just reviving an old thread. I recently posted regarding my house having an usual dimension for one of our closets. It seems only a "baby" clothes hanger will fit on the closet rod. An adult clothes hanger won't fit properly for some reason. I'm measuring an adult clothes hanger to be a little less ...
by BashDash
Wed Jan 31, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - Is it worth it.
Replies: 43
Views: 3498

Re: Umbrella Policy - Is it worth it.

Stupid question I’m sure.... how do you find an insurance broker? Are they independent? Just google insurance broker and my zip code?
by BashDash
Wed Jan 31, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 91236

Re: Bank of America/Merrill Edge - Preferred Rewards

If you are platinum honors do you get a 75% bonus on the bank of america americadeals? For example, I recently took advantage of the 35$ directtvnow offer. Will I get 75% bonus of the 35$?

Thanks!
by BashDash
Wed Jan 24, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Help me help my GF with her Oppenheimer 403(b)...
Replies: 68
Views: 5708

Re: Help me help my GF with her Oppenheimer 403(b)...

The NY 457 does not have any other % fees to my knowledge. Think it is 20$ per year. Google their paperwork and it is very clear and transparent. ( unlike the other 403b mess you are dealing with )
by BashDash
Tue Jan 23, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help me help my GF with her Oppenheimer 403(b)...
Replies: 68
Views: 5708

Re: Help me help my GF with her Oppenheimer 403(b)...

No need for 50k for Wellington. My wife uses it. I "make" the total stock market using the large cap index and small cap index. Also, using the bond/debt index. Some of the fund names are a little different than you are probably used too.

I do wish those were vanguard target funds.
by BashDash
Sat Jan 20, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Clothes hanger/closet question
Replies: 3
Views: 485

Re: Clothes hanger/closet question

Jim, thanks!
by BashDash
Sat Jan 20, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Clothes hanger/closet question
Replies: 3
Views: 485

Clothes hanger/closet question

Hi all BH,
Unusual question here. My daughters closet doesn’t have the depth to fit an adult standard size clothes hanger. Anyone have a hack for this? Thanks!
by BashDash
Fri Jan 19, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 37
Views: 2708

Re: Family Balance and Children's Athletics

OP here. Thanks so much for all the detailed responses. I really appreciate it. Seems there are many roads to Dublin. Please keep the responses coming.
by BashDash
Thu Jan 18, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 465
Views: 91236

Re: Bank of America/Merrill Edge - Preferred Rewards

Anyone want free money? Hear me out. I don't often see any discussion of the bank of amerideals that are associated with the cash rewards credit card. Basically statement credits for some merchants. Some are % values while others are cash amount. You have to link you care ahead of time before purcha...
by BashDash
Thu Jan 18, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Mortality and Expense Risk Charge???? What is this?
Replies: 19
Views: 1415

Re: Mortality and Expense Risk Charge???? What is this?

I went through a similar adventure last year. Look for my threads. Bottom line is if it has a % next to it then that is a bad sign! Maybe put "403b or 457" in your thread title and maybe Krow36 will chime in. He helped me navigate the muddy waters of the 403b for me.
by BashDash
Thu Jan 18, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Mortality and Expense Risk Charge???? What is this?
Replies: 19
Views: 1415

Re: Mortality and Expense Risk Charge???? What is this?

Do you have other 457 or 403b vendors? Ask your human resources. You most likely do. The "advisors" ( salesmen) won't mention this. Who is your third party administrator? What state are you in? Have you visited www.403bwise.com yet?
by BashDash
Thu Jan 18, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Family Balance and Children's Athletics
Replies: 37
Views: 2708

Family Balance and Children's Athletics

Hi all, I've searched through past posts and read some interesting threads regarding athletics and raising kids. I was just wondering if anyone had any experience in keeping a family balance in raising children alongside the demands of sports. I grew up different sports each season and enjoying the ...
by BashDash
Thu Jan 18, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: iPhone 5 storage space question
Replies: 5
Views: 564

Re: iPhone 5 storage space question

Thank you all! I will be back to answer some questions after doing some troubleshooting.
by BashDash
Mon Jan 15, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: iPhone 5 storage space question
Replies: 5
Views: 564

iPhone 5 storage space question

Hi BH, My wife's iPhone 5 is always seeming to be running out of space to take pictures. Is there anything I can do? We do have the iPad and Apple TV linked to her apple account. Whenever I download an app to Apple TV I will delete it from the iPad and iPhone so that will hopefully not take up space...
by BashDash
Fri Jan 12, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1860

Re: Cell Phone "family plans" Sprint for 4

Hiinvestor:
With that T-Mobile plan is it possible for you to use your hotspot to stream. Do you even need a home internet plan other than your phone plan?
by BashDash
Fri Jan 12, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Dual purpose Roth IRA(retirement/college) allocation question.
Replies: 16
Views: 702

Re: Dual purpose Roth IRA(retirement/college) allocation question.

Mathwizard: I hope the exact same scenario happens to me :). Just changed my automatic roth monthly investment to VTSAX. I may add some international once I have admiral shares available. I know I should just lump sum it but it seems Vanguard just sets up the automatic investment for the year and th...