Search found 293 matches

by BashDash
Mon Apr 24, 2017 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Stock Account Question ( again )
Replies: 3
Views: 373

Re: Taxable Stock Account Question ( again )

Livesoft, thanks for the reply. That line is 72k. This will be even less this year because wife is working less and when she was working she was deferring more money to the 457 and also I have been deferring much more than the 2016 tax year. The condo sale should give us around 40 or 50k from the cl...
by BashDash
Mon Apr 24, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Stock Account Question ( again )
Replies: 3
Views: 373

Taxable Stock Account Question ( again )

Emergency funds: 2 years ( wife currently not working due to maternity ) Debt: no student, CC, or car debt residence turned rental condo debt: 156K at 4.5% currently being rented to lose 100$ per month. ( taxes 6k) current residence debt: 232K at 4% ( taxes 10k) Tax Filing Status: married, 2 childre...
by BashDash
Mon Apr 24, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

Update: 1) Was thinking of making a "coming soon" craiglist ad. 2) scheduling an appointment with a recommended agent. Will inquire about a possible contract that will involve us being able to have a short-term ( 2 week or so ) period right after tenants are out where we can try and sell t...
by BashDash
Fri Apr 21, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 64
Views: 4693

Re: Removing a tree - expensive!!!

If it is not an emergency maybe get an estimate in Nov or Dec. I got a tree removed for a quarter of the other quotes I was getting in HCOL ny.
by BashDash
Fri Apr 21, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1280

Re: Booking united award tickets with 2 accounts

Thanks All! I think I will go with the two separate one way bookings. Think I would get better value if there were AVIOS flights possible but I want to use these United points. I have been using the Ultimate Rewards points for a non-chain resort in Maine for our weekly trip. I didn't even know non-c...
by BashDash
Thu Apr 20, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1280

Re: Booking united award tickets with 2 accounts

Thanks all! Just doing research I saw each round trip was 25k per person totaling 75k for our family. I'm wondering if I should convert some ultimate rewards to british avios as I think they have cheap domestic award flights. I like saving those ultimate rewards for the flexibility though and had no...
by BashDash
Thu Apr 20, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: Booking united award tickets with 2 accounts
Replies: 13
Views: 1280

Booking united award tickets with 2 accounts

Hi BH's, Looking to book a multi-city US trip for 3 seats and one infant ( EWR TO TPA and FLL TO EWR). We only have enough points if we use two different mileage plus account points? What would be the easiest way to do this? Online? Phone call? Not sure how helpful customer service is. Just thought ...
by BashDash
Thu Apr 20, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

I like that "coming soon" idea. A previous poster mentioned that we may want to list it closer to when they are out because we would want to keep the "days on market" low. Is it possible to list as "coming soon" without having it actually accrue "days on market&quo...
by BashDash
Wed Apr 19, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

Interesting. We don't think its wise to show it right now with the current set up. Not that it is a mess or anything but the set up doesn't show the main features properly. For example, huge living room is being used a bedroom. I would rather this be seen empty to show the size.
by BashDash
Wed Apr 19, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

Just curious. Don't think we should base our sale price on this but will we have to pay any gains on our sale? We purchased for 315k and hope to sell for around 220k or so. Our principal is at 155K. So we would be leaving with money from the closing. We have not lived there in 4 years. I can't imagi...
by BashDash
Tue Apr 18, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 876

Re: Droopy sun-visor on honda civic

Had trouble with the zip tie hack from the first video. Maybe I wasn't doing it right. Going to try the clips tomorrow. The second video requires a new visor. Maybe I. An head to the junk yard this weekend. I've never been before.
by BashDash
Tue Apr 18, 2017 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

Thanks Hand! Will update for sure! Have a lot of work to do and thinking before I plan the next step.
by BashDash
Tue Apr 18, 2017 7:35 am
Forum: Personal Consumer Issues
Topic: Droopy sun-visor on honda civic
Replies: 9
Views: 876

Droopy sun-visor on honda civic

Hi BH's,

Anyone have a quick hack for fixing a driver's side sun-visor that won't stay up? I tried a form of Velcro last night on the ceiling of the car to attach to the visor but it did not last overnight. Thanks in advance!
by BashDash
Tue Apr 18, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

Thank you for all for your detailed replies. Hand, your experience seems like I have nothing to lose. What avenue did you use to list on MLS for free? We are okay with doing a cosmetic cleanup/rehab. Not necessarily thinking its a good idea to start doing major rehab as the risk of not getting a ret...
by BashDash
Mon Apr 17, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Re: Accidental landlord turning to for sale by owner

It seems forsalebyowner.com gets you on the MLS for free but I need to do more research.
by BashDash
Mon Apr 17, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental landlord turning to for sale by owner
Replies: 29
Views: 2475

Accidental landlord turning to for sale by owner

Hi all, Thanks for all the recent help in my previous posts regarding deciding whether to sell our residence turned condo and some negotiation tips. I have poured thru previous posts on for sale by owner. We tried to sell to current tenant but to no avail. They end lease in August. We want to start ...
by BashDash
Sat Apr 15, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Public School Teacher: Need help with 403b
Replies: 41
Views: 1752

Re: Public School Teacher: Need help with 403b

This is a pivotal moment in your retirement finding this forum. Krow36 literally saved me and my family hundreds of thousands of dollars as my wife is a teacher too. Maybe help some colleagues once you get everything settled?
by BashDash
Sat Apr 15, 2017 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Public School Teacher: Need help with 403b
Replies: 41
Views: 1752

Re: Public School Teacher: Need help with 403b

Gotta love how a k-12 teacher has to go to an Internet forum to find out about a secret passageway to get a low cost provider.
by BashDash
Sat Apr 15, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Public School Teacher: Need help with 403b
Replies: 41
Views: 1752

Re: Public School Teacher: Need help with 403b

Doesn't the Lincoln provider have a self direct option?
by BashDash
Thu Apr 13, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Best 2050 Target Date Fund
Replies: 20
Views: 1660

Re: Best 2050 Target Date Fund

I would play with this expense ratio calculator. It can be eye opening at times. Go with vanguard. Make sure that planner is not charging you an additional percent. I know people paying 1% to a financial advisor who has them in a self managing target fund only! http://www.begintoinvest.com/expense-r...
by BashDash
Tue Apr 11, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: 2 day golf trip between MA and NY
Replies: 1
Views: 251

2 day golf trip between MA and NY

Hi all, Two years ago my brother and I did a two day golf trip and stayed at Foxwoods. Played golf on a Friday afternoon at a local course, went to a Alice in Chains concert at the casino, then woke up and played at their lake of Isles course. Pricey but worth it since we don't get out often. Enjoye...
by BashDash
Tue Apr 11, 2017 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 28
Views: 1141

Re: 403(b) Option Help

Boy am I jealous of your age and knowledge in looking into this so early. You came to the right place. I waited 14 years to investigate the fees but consider myself lucky to have come here and gotten help. My district has 18 providers! What state are you in? Do you have access to a 457 plan? Ny has ...
by BashDash
Mon Apr 10, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help Offsetting Bad 403(b) Options with Index Funds
Replies: 12
Views: 608

Re: Help Offsetting Bad 403(b) Options with Index Funds

Hi can you list all providers you have available? Like grandmaster mentioned there may be a diamond in the rough. Aspire? Security benefit direct invest?
by BashDash
Fri Apr 07, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: K-12 Teachers, 403bcompare and SB/NEA Direct Invest
Replies: 5
Views: 564

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

can one easily switch from Security Benefit annuity to their direct invest option? Would surrender charges apply? Of course, a rep would be the last person on the planet to ask this question to so I came here.
by BashDash
Fri Apr 07, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Cord cutting: Masters Golf
Replies: 18
Views: 2036

Re: Cord cutting: Masters Golf

Update: masters.com was all I needed. Used airplay to mirror it right to the tv flawlessly. No commercials either. Love the feature that you watch the broadcast, amen corner only, or featured groups via separate feeds. There were a few other options too.
by BashDash
Fri Apr 07, 2017 4:22 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 3150

Re: Anyone else own balanced index fund? [vbinx]

We are late 30s and just opened our 2016/2017 Roth IRA with that balanced fund. Probably too conservative for others but the simplicity is attractive to us. Our AA is 60/40 and we will be retiring with full pensions. Again, too conservative for most but the simplicity won out plus if someone inherit...
by BashDash
Thu Apr 06, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

Roth contributions are based on my MAGI? How do I determine that? Seems like I add a few items to the AGI. I don't think we are close now at all with one income but wondering about when we have 2.
by BashDash
Thu Apr 06, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

Thanks Krow. Oops..Its 72K then....This is with DW working Sept-Dec of 2016 only. Normally we have exactly the same salary to the penny :). Actually that is not true anymore due to step changes with the maternity leaves. So it seems we are at the top of the 15% bracket. This was all unintentional of...
by BashDash
Thu Apr 06, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

I actually think that 900 is a bargain in this HCOL. It is thru my work too. I just edited my tax rate. Our AGI is 118 placing us in 25% bracket. We don't seem close to the lower bracket.
by BashDash
Thu Apr 06, 2017 4:48 am
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 57
Views: 5546

Re: Keurig Coffee Makers

Regarding the recycling issue; I thought I read somewhere the original inventor felt guilty over the environmental impact. However, there is a reusable "pod" you can purchase, pour some coffee in and get that perfect cup of coffee. Some may say that defeats the purpose of the Keurig in gen...
by BashDash
Wed Apr 05, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

Wife on maternity home with 3 month old. 2.5 y.o at daycare/learning center. He's thriving there so we didn't want to keep him home plus I think we are booked for the year anyway. He will do the same in fall. Unsure of the fall at this point for sibling depends if wife returns to work. She gets 2 ye...
by BashDash
Wed Apr 05, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

OP here. I appreciate everyone's comments. I didn't take cyclingduo's comment as instructions only as his experience. It is a valid point. I hope I do enjoy it in my 50s. I love the time in the classroom. The governmental/political role in education is getting a bit irritating even now. Even since 2...
by BashDash
Wed Apr 05, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

Venkman, Just thought of this. You mentioned you ran a simulator on 4%. Was this 4% because you are assuming my actual return will be 6% and you deducted 2% for inflation? I have access to a 4% fixed but am choosing not to use it at this age hoping for a better return long term maybe 25-30 years. If...
by BashDash
Tue Apr 04, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: "Set and Forget" Roth IRA Allocation
Replies: 2
Views: 483

Re: "Set and Forget" Roth IRA Allocation

I was considering a similar question recently. Your point about someone inheriting was a consideration to me. I read bogle's interview that the balanced index 60/40 is what he has for his grandchildren. I'm only 37 and I'm currently using that in my Roth for that reason. Sure I could take more risk ...
by BashDash
Tue Apr 04, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

That makes a lot of sense. Retiring at 55 while youngest is in college might not be a good idea. Plus; I like and enjoy my job currently. I almost feel like I could just fund the college working those years by saving a major portion of salary. I'm funding 529 to get a head start. All those locations...
by BashDash
Mon Apr 03, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Re: Lazy and Simple Teacher Portfolio

Venkman, thanks for taking such a detailed look. I was looking at Vanguard website to get help with the allocation. The 60/40 made me comfortable and I think we can stay the course with that even when we are close or in retirement. I do also have access to 4% fixed in a Voya 403b that I extricated m...
by BashDash
Mon Apr 03, 2017 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy and Simple Teacher Portfolio
Replies: 21
Views: 2018

Lazy and Simple Teacher Portfolio

Emergency funds: 2 years ( wife currently not working due to maternity ) Debt: no student, CC, or car debt residence turned rental condo debt: 156K at 4.5% currently being rented to lose 100$ per month. ( taxes 6k ). This was purchased for a price roughly 100k more than it is valued now. This is goi...
by BashDash
Mon Apr 03, 2017 11:43 am
Forum: Investing - Help with Personal Investments
Topic: 403b: side by side comparison of high fee/low fee
Replies: 11
Views: 804

Re: 403b: side by side comparison of high fee/low fee

I was just speaking about my experiences and products available. This is not bad is it? Not receiving any payment to do so. Union was supportive. Principal may come to the next one.
by BashDash
Sun Apr 02, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: 403b help in NY Voya
Replies: 74
Views: 5212

Re: 403b help in NY Voya

This article I read made me think it may be a good option to leave the account open. As much as I don't want to have another dime there. 4% fixed might be good option later in life.

http://teachersadvocate.blogspot.com/20 ... 1.html?m=1
by BashDash
Sun Apr 02, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: 403b help in NY Voya
Replies: 74
Views: 5212

Re: 403b help in NY Voya

Not quite sure why I was so vague in my previous post. This option is "hidden" enough as it is that I shouldn't be contributing to this problem. I have read that SB reps act like it doesn't even exist.
by BashDash
Sat Apr 01, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403b help in NY Voya
Replies: 74
Views: 5212

Re: 403b help in NY Voya

I left a couple bucks there for that exact reason. I was thinking of using it for my bond portion but simplicity won out. I moved to a free 403b with admiral total stock and total intermediate bond 60/40 that rebalances for me quarterly. I'm in late 30s and I don't plan on looking at it for quite so...
by BashDash
Thu Mar 30, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: florida trip help Tampa area to the Keys
Replies: 6
Views: 406

florida trip help Tampa area to the Keys

Hi all, We are planning a roughly 10 day trip to Florida this summer. We plan on spending a couple days in Clearwater area to see some family and then heading to the Florida Keys to spend another week or so. We do not work over the summer and have plenty of flexibility. We will be traveling with 2 k...
by BashDash
Thu Mar 30, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Cord cut strategy for young family
Replies: 67
Views: 6576

Re: Cord cut strategy for young family

Hi all, This thread has proven a huge success for me and my family. We successfully cut the cord. The apple tv 4 was a game changer for us. We had an older model and were trying to "mirror" sling to the tv but it kept disconnecting. The apple tv 4 has the slingtv app right on it so it can ...
by BashDash
Wed Mar 29, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: 403b: side by side comparison of high fee/low fee
Replies: 11
Views: 804

Re: 403b: side by side comparison of high fee/low fee

Thanks for all the help. The presentation went great as around 45 people came and left excited and ready to start digging into their fees. What a great feeling to help others see the light that they are being ripped off. A big theme people left with was that their 403b guy or girl is really a sales ...
by BashDash
Mon Mar 27, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 3100

Re: Red light camera Fort Worth

It says it is a civil unpaid penalty imposed by the city of Fort Worth ordinance. Payment should be made to city of Fort Worth photo enforcement program. The video you can't tell who is driving. I just know since the only time I was in a car was with all four people. You can tell there isn't four pe...
by BashDash
Mon Mar 27, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Red light camera Fort Worth
Replies: 50
Views: 3100

Red light camera Fort Worth

Two summers ago, i visited Fort Worth, TX with my wife for an adoption conference with my son and sister in law. During the conference, my sister in law was caring for my son. While driving the rental car in my name, my sister in law took a right on red and I was sent a summons from a law firm reque...
by BashDash
Fri Mar 24, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: Tell me about Smart TVs and cutting cable
Replies: 101
Views: 7604

Re: Tell me about Smart TVs and cutting cable

Looks like a directtv now offer is on again for a free apple tv 4. I thought this was a game changer for me. I had trouble with my older apple tv to use SLING TV by "mirror" thru airplay from my ipad. Now, the Sling tv APP is on the APPLE TV and it works natively right on my tv without any...
by BashDash
Thu Mar 23, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Need help with info about Portland
Replies: 14
Views: 1043

Re: Need help with info about Portland

Full sail brewery in Hood River. Multnomah Falls hike is one of my favorites. We extended our trip and took a train to Seattle. The extended it again to Olympic National Park and then extended it again to a Alaskan Cruise :).
by BashDash
Thu Mar 23, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Anyone use Verizon wireless prepaid for cell phones???
Replies: 36
Views: 2394

Re: Anyone use Verizon wireless prepaid for cell phones???

I've been using boom mobile. 24.99 for my iPhone with 1gb no fees. Easy setup. Great customer service that is domestic. Chat function on website is great too. I like getting no bill too I'm on autopay. This uses Verizon towers. My phone still says Verizon so the only way I can't tell I'm using Veriz...
by BashDash
Thu Mar 23, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403b: side by side comparison of high fee/low fee
Replies: 11
Views: 804

Re: 403b: side by side comparison of high fee/low fee

Thank you yet again Krow36. Figured I would take the knowledge you passed to me and pass it on.

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