Search found 359 matches

by BashDash
Tue Aug 08, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to Roth IRA on maternity leave
Replies: 2
Views: 288

Contribute to Roth IRA on maternity leave

Can a woman contribute to an existing Roth IRA if she has zero earned income for a year? Married and filing jointly.

Thanks!
by BashDash
Tue Aug 08, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Wow. 20% off Msrp. Does anyone have an indication of what I can expect in late august on a 35k sticker price Highlander? I plan on doing the email method to 5 or 6 dealerships in late august and paying cash.
by BashDash
Mon Aug 07, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Ironically, we are heading in a different direction than mentioned in this thread. Not following any of the original requirements of my post. Don't really want an SUV but oh well. The mileage really isn't that much worse than our accord. We saw a Toyota Highlander in a driveway the walking the neigh...
by BashDash
Sun Aug 06, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Thanks all!

Btw how does one figure out what dealer incentives there are? Is this deducted from the out the door price? It's been 10 years since we bought a car. Thanks!
by BashDash
Sun Aug 06, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

So we are taking a direction away from Sedan. After brief drive in some lots today: Looking into used: Acura MDX Jeep Grand Cherokee Nissan Rogue 1- any reliability concerns? 2- what amount of miles should we be concerned with 3- is it possible to get one of these for between 20k and 30k 4- negotiat...
by BashDash
Sat Aug 05, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Wow. Thanks for all the helpful info. I know there are a million car threads but this is helping me get our thoughts together. I think it may be smart to add a crossover or SUV to the list preferably a relatively fuel efficient one.
by BashDash
Sat Aug 05, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Thanks!
I guess she doesn't necessarily have to have a sedan. She would just rather not buy a car that is basically the same space as the current accord. Any acuras have good trunk space regardless of whether it is a sedan? For some reason she is not a fan of the Lexus.
by BashDash
Sat Aug 05, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Re: Help me pick a car

Thanks all! Wife update: trunk space important. Current have Honda accord 2009. Any sedan have bigger trunk space? Would like double stroller to fit well with other stuff while packing. Acura wasnt mentioned but was by my wife.

Thanks all!
by BashDash
Sat Aug 05, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 4101

Help me pick a car

Hi!
-2 kids ( 2.5 and 7 months)
-non SUV
-good mileage
-good trunk space
-20k to 30k price give or take ( pay cash)
-safe for a short commute that is partly on a major highway though
-open to new or used
-for the wife
-will last. Husband will inherit the car eventually

Thanks!
by BashDash
Fri Aug 04, 2017 8:33 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1258

Garage ceiling bike storage

Hi BH!

Can anyone recommend a bike storage system for a ceiling of a garage?
Trying to maximize a one car garage? Easy to get down and use regularly rather than just leaving it there. A bonus would be that it is easy to install. Two adult bikes and one child bike. Thanks!!
by BashDash
Wed Aug 02, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: 403(B) 0.77 admin expense no matching
Replies: 8
Views: 554

Re: 403(B) 0.77 admin expense no matching

Is your wife a k-12 teacher by any chance? Valic may not be the only vendor she can use. Sometimes people think they only have one vendor available for various reasons. If she is a teacher have her check www.omni403b.com to see the other vendors a available. That could be the third party administrat...
by BashDash
Tue Aug 01, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Bed headboard DIY
Replies: 7
Views: 599

Bed headboard DIY

HI BH!
Is there a standard bolt size to buy for attaching a wooden headboard to a twin metal frame?


Thanks!

Bashdash
by BashDash
Sun Jul 30, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Advice for Picking 403 Company
Replies: 6
Views: 535

Re: Advice for Picking 403 Company

Aspire does not have hidden fees. .15 asset fee plus 40$ flat fee ( I think). Then you can get access to vanguard admiral shares. Call them and they are easy to deal with and aren't hiding anything.

Check out the 403b k-12 wiki that krow36 created.

Also, 403bwise.com is your friend right now
by BashDash
Fri Jul 28, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: How to remove a granite kitchen bar
Replies: 5
Views: 935

How to remove a granite kitchen bar

Hi BH!
Looking to remove a granite kitchen bar to have it cut and replaced as a smaller piece allowing room for a kitchen table. Not attached to cabinets or backsplash at all. Any Tips? Can a contractor cut this while it is attached? I doubt it but that would avoid taking it down.

Thanks!!
by BashDash
Mon Jul 24, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3610

Re: Golfers - need to ramp up ASAP!

Rupert has good advice on borrowing irons. I have three sets. Maybe do some chipping and putting at the local course. Lot harder than you may think. When you get back: Read Harvey Penick's A little Red Book. I would call it the boglehead golf book. Simple. Not technical. It's on my nightstand and ma...
by BashDash
Thu Jul 20, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Wricha thx for the restaurant suggestion; any others nearby? We barely can sit down with a 6 month old and 2 year old. The Italian place does sound good but maybe not for this trip.
by BashDash
Wed Jul 19, 2017 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord update
Replies: 9
Views: 1555

Accidental landlord update

Thank you all BH for my somewhat recent thread. We decided to out the place up for sale using a realtor. We really can't afford to have rent free months with no tenant in there. My new question: our current tenant has taken up themselves to use their security deposit as their last months rent. They ...
by BashDash
Tue Jul 18, 2017 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) help
Replies: 13
Views: 720

Re: 403(b) help

You are very lucky. Best choices are Aspire (.15 asset fee that will give you access to vanguard funds. Use self directed option only! ) And Security Benefit "direct invest" ( search for info on this on bogleheads. Do not ask a rep for help with this. They will act like it does not exist. ...
by BashDash
Tue Jul 18, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Favorite Florida "middle" keys restaurant?
Replies: 17
Views: 1318

Re: Favorite Florida "middle" keys restaurant?

Thanks and keep them coming!
by BashDash
Tue Jul 18, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Favorite Florida "middle" keys restaurant?
Replies: 17
Views: 1318

Favorite Florida "middle" keys restaurant?

Would love to hear BH favorite restaurant in Middle Florida keys! Thanks in advance!!!
by BashDash
Fri Jul 07, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Avoid close in fee united
Replies: 8
Views: 971

Re: Avoid close in fee united

Interesting nepats. For some reason I am still nervous to try it as a novice. The flight did go down to 137$ today so I guess I will have to decide. What's the worst that can happen if I book the flight and they won't let me change it.
by BashDash
Thu Jul 06, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Avoid close in fee united
Replies: 8
Views: 971

Re: Avoid close in fee united

Op here. Thanks for all the replies! Looks like I am out of luck completely. I was planning on paying cash for the tickets priced at 100 and then overnight they went to 11:45 ugh thus losing me 180 if I book all three; ugh
by BashDash
Thu Jul 06, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: Avoid close in fee united
Replies: 8
Views: 971

Avoid close in fee united

Hi all, I need to book a united award flight for July 25 which is subject to a close in fee. To avoid I read that you can book a flight 4 weeks out then change it within 24 hours without a fee. Does anyone have experience with this? Worst case if it doesn't work I just can cancel it completely for f...
by BashDash
Tue Jun 27, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Wricha, wow that Hyatt seems perfect. We are even considering staying there two nights now. Might be a nice spot for us with our family alone because both other segments will be with extended family. I actually found a rate of 180 on a third party site. Thanks again!
by BashDash
Sun Jun 25, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Thanks again for all replies. Yes this is going to be a tricky trip in the south Florida heat. Figure to spend a lot of time in the morning at Sombrero Beach in Marathon and hope for a breeze on the Atlantic. Inside for nap after. Wouldn't normally be traveling across to Tampa with little ones excep...
by BashDash
Sun Jun 25, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Thanks for all replies. I agree that this will be taking more than 6 hours. That was the google map time from the middle keys to Tampa. Have done it before but forgot exact time. I like the idea of that tram tour and it seems like it could be a good somewhat halfway point of a stop. Any insight on h...
by BashDash
Sat Jun 24, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Re: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Thanks all! I'm thinking maybe even an overnight is a bad idea. Its a 6 hour drive and maybe a couple small stops en route could be good. Thought about doing a train from Miami but it seems overly complicated with car seats etc. My wife and I have done and enjoyed an airboat ride.
by BashDash
Sat Jun 24, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)
Replies: 35
Views: 2766

Fun place to stop overnight en route from Florida Keys to Tampa ( not Disney)

Hi,
Looking to stop somewhere overnight after spending a week in the Keys in July. Have a car and will be driving they Everglades to Tampa. Have two small children with us ( 2 and under ). A fun activity or landmark would be great! Thanks!
by BashDash
Thu Jun 22, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Deck stain
Replies: 9
Views: 958

Deck stain

Going to DIY for my deck staining in a few days. Any BH suggest any tools other than a brush that made the job a little easier? I was reading a little about a stainstick that seemed good. Thanks!
by BashDash
Sat Jun 17, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Quick Thoughts on 403(b) Asset Allocation?
Replies: 13
Views: 793

Re: Quick Thoughts on 403(b) Asset Allocation?

Looks low cost and relatively simple for your age. However, are you being charged an AUM ( asset under management fee ). If you are paying a 1% fee you will be losing a quarter of your return over 30 years. Google: vanguard and silent killer of fees to read the article.
by BashDash
Thu Jun 15, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: internet cost saving strategy
Replies: 38
Views: 3132

Re: internet cost saving strategy

Better yet; call to "schedule" a disconnect date very nicely. That gets the retention department on alert.
by BashDash
Wed Jun 14, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Hulu and sling question when visiting parents
Replies: 2
Views: 347

Hulu and sling question when visiting parents

If I visit my parents am I permitted to use my current Hulu and sling streaming subscriptions? I assume yes but not sure just as long as they don't use it when I leave? Does anyone have experience with this? I'm a new cordcutter. Thanks!
by BashDash
Tue Jun 13, 2017 7:07 am
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3986

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

OP here again. I do realize that my savings rate will be a driving force more than the actual allocation. My wife and I just started maxing our roths and 457 accounts in a low cost environment and will continue to do so. We will both have pensions but have to live through two political events that c...
by BashDash
Mon Jun 12, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3986

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

OP here. Thanks for all your comments. Very grateful for this forum. Life changing year in discovering my 403b fees thru this forum. Even opened my first Roth. Related to this post; balanced index fund admiral of course.

Thx again.
by BashDash
Mon Jun 12, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2865

Re: Vue/Sling tv users--what do you miss?

Isn't CBS news and 60 minutes available for free on the CBS NEWS free app. I watch them all of the time for free. Available a few days after not sure.
by BashDash
Mon Jun 12, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3986

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

1) Helps me sleep at night easily. 2) If the stock allocation was higher ( 70/30 or 80/20 ) I don't feel confident on when in my life I would change it to a lower stock allocation. 3) I do feel confident holding 60/40 through a major downturn. 4) I do feel comfortable doing a change to 40/60 on year...
by BashDash
Mon Jun 12, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 2865

Re: Vue/Sling tv users--what do you miss?

Golf: Use the PGA Tour Live App. Has live coverage of the events for free. Also, for the Masters I used the Masters App and it was better than live TV. Four separate cameras to choose from; featured groups, amen corner, live coverage and I forget the other. I was thinking of using free trial cbs acc...
by BashDash
Tue Jun 06, 2017 9:25 am
Forum: Personal Consumer Issues
Topic: Broken Honda Accord key 2009
Replies: 11
Views: 942

Re: Broken Honda Accord key 2009

Thanks for all the replies. This is seeming more involved than I thought. I didn't even know what a FOB is. The good thing is that this is a spare. I should have mentioned that in the OP.
by BashDash
Tue Jun 06, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Broken Honda Accord key 2009
Replies: 11
Views: 942

Re: Broken Honda Accord key 2009

The electronic doodad is still functioning. By functioning I'm assuming you mean the buttons still work to keylessly unlock or lock the car. The key part is just snapped off for some reason. The rest seems intact. Yes; I am trying to avoid the dealer like the plague.
by BashDash
Tue Jun 06, 2017 4:58 am
Forum: Personal Consumer Issues
Topic: Broken Honda Accord key 2009
Replies: 11
Views: 942

Broken Honda Accord key 2009

Hi, anyone have experience with a broken Honda Accord key? Trying to fix myself than go to dealer and get ripped off. Thanks!
by BashDash
Mon Jun 05, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: K-12 Teachers, 403bcompare and SB/NEA Direct Invest
Replies: 7
Views: 968

Re: K-12 Teachers, 403bcompare and SB/NEA Direct Invest

Powerfultool: good for you. I'm a happy new direct invest investor too. I initially transferred my high fee 403b to Aspire which felt like a huge success. Indeed it was; however the free other than the expenses ratios 403 was too good to resist after so many years of being fleeced. Once you get it o...
by BashDash
Mon Jun 05, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Brick and mortar matress in ny/nj metro area
Replies: 2
Views: 266

Brick and mortar matress in ny/nj metro area

Hi all, any suggestions for a store front to buy a twin mattress for my two year old son. Looked into online but would like to go the brick and mortar route to test it out. Thanks!
by BashDash
Mon Jun 05, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Any work-around to use ultimate reward points to book a car rental that returns at different lcoation
Replies: 6
Views: 542

Any work-around to use ultimate reward points to book a car rental that returns at different lcoation

Hi all, In the past I've found the ultimate rewards portal to be helpful in getting a good car rental price. Even if I dont' use all points it gives very competitive prices. It doesn't seem that you can do this if you are returning at a different location. I am trying to rent in MIA or FLL and retur...
by BashDash
Thu Jun 01, 2017 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: 403b help in NY Voya
Replies: 75
Views: 6287

Re: 403b help in NY Voya

This may be why I did not have to pay a surrender fee to switch to another provider. See the link below: m In the settlement section. "Union members invested in the low-quality NYSUT-endorsed plan may switch to another plan without having the pay the high penalty normally applied when doing so....
by BashDash
Fri May 19, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b options
Replies: 3
Views: 326

Re: 403b options

You are in luck. Security Benefit offers a direct invest option that provides vanguard funds. Do NOT ask a rep about this option because the typically will act like they don't know it exists and maybe try and sell you a high fee option. I have the direct invest option. It is all Internet based. Sear...
by BashDash
Sun May 14, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: 403B with high expense ratio's and insurance wrappers
Replies: 8
Views: 696

Re: 403B with high expense ratio's and insurance wrappers

What provider options do you have? Do you work for a school? Sometimes there is a diamond in the rough that is a low cost provider.
by BashDash
Fri May 12, 2017 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: 403b automatic rebalance feature on Security Benefit Direct Invest
Replies: 2
Views: 281

Re: 403b automatic rebalance feature on Security Benefit Direct Invest

Is there something I should do during downturns or just hold tight?
by BashDash
Fri May 12, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 403b has been sorted out. Now an HSA?
Replies: 8
Views: 943

Re: 403b has been sorted out. Now an HSA?

Ooops I meant 80 a month but I still agree with your statement regarding the complexities.
by BashDash
Fri May 12, 2017 7:30 am
Forum: Investing - Help with Personal Investments
Topic: 403b has been sorted out. Now an HSA?
Replies: 8
Views: 943

Re: 403b has been sorted out. Now an HSA?

Met with benefits yesterday. The deductible to reach in-network is 3,000. Our 3 main doctors we cared about are in-network. The district will contribute 1500 to an HSA each year. There premium for the high deductible plan is only 80$ less than the EMPIRE plan. I'm leaning towards just staying with E...