Search found 41 matches

by Mndiver
Thu Mar 08, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Anyone get a 'Tuff Shed' ?
Replies: 12
Views: 2000

Re: Anyone get a 'Tuff Shed' ?

Have you considered an EZ Build shed from Menards? Sounds like a good compromise of what you are talking about and save a considerable amount. I was looking at an 8x12 for about $1,000. It’s basically a kit they deliver with easy step by step directions.
by Mndiver
Sun Dec 17, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Confused about memory care and assisted living
Replies: 14
Views: 1425

Re: Confused about memory care and assisted living

Thanks for the replies. A lot of info here confirming what I have suspected but was not sure of. The aid and attendance would be the link we really need. Memory care facility we are currently considering has a 2 year pay and then Medicaid acceptance policy. We can affor about $3,000 a year for 2 yea...
by Mndiver
Sat Dec 16, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Confused about memory care and assisted living
Replies: 14
Views: 1425

Confused about memory care and assisted living

Sadly my dad is getting to the point with dementia and ahlzeimers where we may have to find a place for him to live away from my mom in a memory care facility. Unfortunately my parents have very little money and did not invest at all. They have a fixed income of around $4,000/ month. Newer vehicle i...
by Mndiver
Sat Dec 16, 2017 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2731

Re: Bitcoin futures with Fidelity

I obviously don’t know what I’m talking about. I had just hoped to have a way to throw a couple hundred dollars into Bitcoin somehow and get in on the skyrocketing prices while they last. No idea how to do it. Then your best option would be to convert some money into bitcoin, not to buy and roll a ...
by Mndiver
Sat Dec 16, 2017 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2731

Re: Bitcoin futures with Fidelity

I obviously don’t know what I’m talking about. I had just hoped to have a way to throw a couple hundred dollars into Bitcoin somehow and get in on the skyrocketing prices while they last. No idea how to do it. Just out of curiosity, what's your plan if the bubble burst and you lost the money? Are y...
by Mndiver
Sat Dec 16, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2731

Re: Bitcoin futures with Fidelity

I obviously don’t know what I’m talking about. I had just hoped to have a way to throw a couple hundred dollars into Bitcoin somehow and get in on the skyrocketing prices while they last. No idea how to do it.
by Mndiver
Sat Dec 16, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin futures with Fidelity
Replies: 25
Views: 2731

Bitcoin futures with Fidelity

Trying to figure out how to get in on the Bitcoin game or lose my “fun money” investments. Anyone able to give me tips on how to get in on Bitcoin futures through a Fidelity brokerage account?
by Mndiver
Thu Dec 14, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1862

Re: Progressive Insurance

We ended going with Progressive and went from $2,400/6 months to $1,500/6 months. When American Family rep called and asked if they could try to do better I said “sure”. She was able to drop $100 every 6 months. So much for 24 years of loyalty to American Family.
by Mndiver
Mon Dec 11, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: Progressive Insurance
Replies: 22
Views: 1862

Progressive Insurance

Getting to the point where after 24 years it feels like American Family is over charging us for car insurance. Over $2,400/6 months for full coverage on 3 drivers and 3 vehicles with no accidents or tickets. One of those drivers is a 16 year old boy, but still seems high. Got a quote from Progressiv...
by Mndiver
Thu Nov 23, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Annuity or lump sum
Replies: 8
Views: 740

Annuity or lump sum

Looking for some advice on what is smartest use of retirement funds. Wife works for health insurance company that has been around for a long time. When she retires at 58 she can choose an annuity that pays Approx $3,000/month with 1.5% yearly cost of living. Her lump sum payout is approximately $600...
by Mndiver
Sat Sep 23, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 12448

Re: What is your favorite reasonably priced bourbon?

Buffalo Trace
Lazy River- Just got my first bottle of this at Total Wine and was very happy with it.
by Mndiver
Sat Sep 09, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2442

Re: GPS watch

I have had Garmins for the last 10 years and have always loved them. Currently using the 735xt and it is the best tracker I have found. Will get you through an Ironman if you are mid pack or better. Little above the price range your looking at. The nice things is it is much smaller than most watches...
by Mndiver
Sun Aug 06, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Help me pick a car
Replies: 54
Views: 5332

Re: Help me pick a car

I can't recommend Prius enough. We bought one new in 2008 and other than oil changes and new tires a wrench didn't touch it for the first 185,000 miles. At that point it got new brakes. Still running strong at 240,000 miles. Wife transported her bike in the back easily with the seat folded down. Ple...
by Mndiver
Sun Jul 16, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Re: Does pension change allocation of funds?

My wife and I are both 46 years old and working in industries with pensions. I am currently investing in a 3 fund portfolio with 70/15/15 index funds total market/total international/total bond. Does having two pensions change our ability to take more risk regarding a higher percentage of stocks? I...
by Mndiver
Sun Jul 16, 2017 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Re: Does pension change allocation of funds?

About what annual income stream do you think that you may need/want from your investments? This is something I will need to put more thought into. With house paid off, kids through college and no major expenses we feel we could have a good retirement and be able to do the things we want if our inco...
by Mndiver
Sat Jul 15, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Re: Does pension change allocation of funds?

A lot of great advice here. Some posters are stating I have 20 years to go and have a lot of time. This is not necessarily correct. I plan on retiring in 10 years. I have a teacher pension in MN that I believe is quite solid. Part of the reason I am wanting to be more aggressive is in addition to A...
by Mndiver
Sat Jul 15, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Re: Does pension change allocation of funds?

A lot of great advice here. Some posters are stating I have 20 years to go and have a lot of time. This is not necessarily correct. I plan on retiring in 10 years. I have a teacher pension in MN that I believe is quite solid. Part of the reason I am wanting to be more aggressive is in addition to A...
by Mndiver
Sat Jul 15, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Re: Does pension change allocation of funds?

A lot of great advice here. Some posters are stating I have 20 years to go and have a lot of time. This is not necessarily correct. I plan on retiring in 10 years. I have a teacher pension in MN that I believe is quite solid. Part of the reason I am wanting to be more aggressive is in addition to Am...
by Mndiver
Fri Jul 14, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: To buy or not to buy... [a new car]
Replies: 43
Views: 4839

Re: To buy or not to buy...

I had a 2003 Honda Pilot I traded in for a new Highlander when the Pilot had 240,000 miles. Bad decision. I never liked the Toyota and always missed the Pilot. Ended up taking a loss on the Highlander to get another Honda. Keep the Pilot and drive it till she blows.
by Mndiver
Fri Jul 14, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Does pension change allocation of funds?
Replies: 30
Views: 2621

Does pension change allocation of funds?

My wife and I are both 46 years old and working in industries with pensions. I am currently investing in a 3 fund portfolio with 70/15/15 index funds total market/total international/total bond. Does having two pensions change our ability to take more risk regarding a higher percentage of stocks? It...
by Mndiver
Fri Jul 14, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 21041

Re: How are folks handling the unprecedented rise in the market ?

Not changing a thing. Currently in all Index funds at 70/15/15. Probably too high in stocks at 46 years old but I'm staying the course.
by Mndiver
Sun May 07, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 4045

Re: First 100 mile bike ride

Let us know how that hill at mile 90 feels. 10,000 feet of climbing is a huge task. Hopefully it is set up so you take advantage of those hills. What I mean is, you get a good recovery time after the bigger hills. I do some riding around Madison, WI and the toughest thing there is you are always tur...
by Mndiver
Sat Apr 29, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2935

Re: Wrist based heart rate monitors

I've found if I wear it with the face on the bottom of my wrist I get better readings from my Garmin 735xt.
by Mndiver
Fri Apr 28, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Breath of Fresh Air - Leaving Ameriprise
Replies: 14
Views: 1650

Re: Breath of Fresh Air - Leaving Ameriprise

In the process of moving things over myself. Very liberating.
by Mndiver
Sat Apr 15, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Re: Question on managing own 403b

Thank you. I will fill out the info using the format.
by Mndiver
Sat Apr 15, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Should I take a big hit to get out of Ameriprise?

[Thread merged into here, see below. --admin LadyGeek] I got some great advice on here a month or so about getting out of Ameriprise. I would like some advice on the 2nd leg of my journey. All new funds are now being diverted to Fidelity index funds and an old rollover has been transferred. Now I n...
by Mndiver
Mon Apr 10, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to change fund from a rollover.
Replies: 4
Views: 451

Re: Trying to change fund from a rollover.

Thanks everyone. Fidelity helped me through and I am in the funds I want now.
by Mndiver
Sun Apr 09, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to change fund from a rollover.
Replies: 4
Views: 451

Re: Trying to change fund from a rollover.

Call?!? Yes, I suppose people still do that. I usually use their on line chat option since it works so well but it is after hours for them now. Maybe will give a call and will let you know.
by Mndiver
Sun Apr 09, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to change fund from a rollover.
Replies: 4
Views: 451

Trying to change fund from a rollover.

Have a Fidelity account my wife and I are rolling over everything from Ameriprise. She has an old 401k there and I recently got the funds transferred over. We don't like the fund they are in and want to put it all into a Fidelity Index fund. It is about $25,000 so We will likely just put it into the...
by Mndiver
Sun Apr 09, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Online high school
Replies: 38
Views: 3272

Re: Online high school

Teacher here (bias alert), online learning options can be a good supplement but I've yet to see one act as a good replacement for traditional schooling. Most programs I have seen are very rote based with some task completion, this may get you the basics. But the best educational experiences usually...
by Mndiver
Sun Apr 09, 2017 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise on how best to fix this annuity mistake
Replies: 13
Views: 1243

Re: Please advise on how best to fix this annuity mistake

They are helping quite a bit. It was pretty easy to bet all new funds into Fidelity. Proving to be more paperwork plus papers I need to send to Ameriprise to transfer over funds all ready there.
by Mndiver
Thu Mar 30, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: starting a roth IRA with Ameriprise
Replies: 11
Views: 1137

Re: starting a roth IRA with Ameriprise

I am currently paying over $7,000 just to get OUT of Ameriprise due to low returns, terrible web site and so so customer service. I would not go with them.
by Mndiver
Thu Mar 30, 2017 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise on how best to fix this annuity mistake
Replies: 13
Views: 1243

Re: Please advise on how best to fix this annuity mistake

Same thing I am working through right now. Looks like I will lose about $7,000 going from an Ameriprise annuity to Fidelity. I'll likely just bite the bullet and make the change.
by Mndiver
Wed Mar 29, 2017 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Re: Question on managing own 403b

Looks like it is going to cost me about $7,000 in surrender fees to get out of the Ameriprise annuities. Considering the low returns I feel like this is worth it. The idea of giving back almost 5% of my fund is a little hard to swallow but I don't feel like I have any other options other than keepin...
by Mndiver
Wed Mar 29, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Cross vendor plan with Fidelity and 403b
Replies: 5
Views: 652

Re: Cross vendor plan with Fidelity and 403b

Thanks. Spent some time on the phone with both Fidelity and Ameriprise today figuring out an exit strategy. Trying to make peace with surrender fees for getting out of Ameriprise annuities.
by Mndiver
Tue Mar 28, 2017 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: Cross vendor plan with Fidelity and 403b
Replies: 5
Views: 652

Re: Cross vendor plan with Fidelity and 403b

Thanks for all the advice. Getting closer to pulling everything over. Fidelity has confirmed I can roll it over so need to get logistics in order. Thinking of going with 50% in FSTVX- Fidelity Total Market Index Fund. Still trying to decide on other two funds. I know I should do 30% at least in Bond...
by Mndiver
Mon Mar 27, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Cross vendor plan with Fidelity and 403b
Replies: 5
Views: 652

Cross vendor plan with Fidelity and 403b

After getting great advice on another thread and doing enough investigating to realize I am getting hosed by my Ameriprise rep I am ready to move about $225,000 over to Fidelity and manage it on my own with the 3 fund system. My question is about funds I am allowed to use. Since my employer has a 40...
by Mndiver
Mon Mar 27, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Re: Question on managing own 403b

Now I'm really upset with my advisor. That does not look good. I have requested a breakdown of all my fees to get out. I'll see what I find out but will likely bite the bullet and pull everything. How many "riders" did you sign up for? Despite what the money changers say NEVER think of life insuran...
by Mndiver
Mon Mar 27, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Re: Question on managing own 403b

Thanks for all the great replies. Turns out I will not be switching jobs at this time so question 3 is no longer needed. The fund I am in is RVRSRC RAVA 5 ADV VAR My guess is this stands for Riversource RAVA Advantage Variable but I am not sure. I just want out as cheaply and quickly as possible. M...
by Mndiver
Mon Mar 27, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Re: Question on managing own 403b

Thanks for all the great replies. Turns out I will not be switching jobs at this time so question 3 is no longer needed. The fund I am in is RVRSRC RAVA 5 ADV VAR My guess is this stands for Riversource RAVA Advantage Variable but I am not sure. I just want out as cheaply and quickly as possible. My...
by Mndiver
Sun Mar 26, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Question on managing own 403b
Replies: 25
Views: 2030

Question on managing own 403b

Been lurking for awhile and finally decided to join and get some input. I have a403b worth about $150,000 I have been having managed by Ameriprise rep. I told him I was willing to take some risk at this point and we agreed I should be in moderately aggressive funds. After seeing 4% average returns o...