Search found 390 matches

by NHRATA01
Fri Jan 27, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Changes to NYS Deferred Compensation Plan
Replies: 13
Views: 1000

Re: Changes to NYS Deferred Compensation Plan

https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans ^^ See if this link answers your question. Thanks! I think the answer is that it's well worth it to stay in a governmental 457 plan. Even though there are some nickel-and-dime recordkeeping charges I'd save with a rollover to...
by NHRATA01
Fri Jan 13, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 8301

Re: Fidelity Rewards Visa 2% cash back

So basically you can only really keep the money in a cash/moneymarket account until you reach a pretty significant threshold? Transfer money out with EFT (Electronic Funds Transfer) like any other checking/brokerage account? Or you could transfer money in to the new account to reach thresholds soon...
by NHRATA01
Fri Jan 13, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Visa 2% cash back
Replies: 73
Views: 8301

Re: Fidelity Rewards Visa 2% cash back

I recieved the $200 offer for spending 2k in 3 months. I have a fidelity 401k but no brokerage. Will I need to apply for a brokerage account before opening this if i do so? I already have citi double cash...which is pretty much the same rewards.l as fidelity. Hi, I'm sorry to bump this after 6 mont...
by NHRATA01
Mon Jan 09, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Optimum cable and 2nd modem?
Replies: 27
Views: 1384

Re: Optimum cable and 2nd modem?

FYI to my knowledge Optimum is not charging rental costs for modems. I had one and considered switching it out. There is (or was) an FAQ on Optimum's site about how to address and install a modem on their network, and it said something along the lines of they don't discourage it, but why bother if t...
by NHRATA01
Fri Dec 16, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7607

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

Some may disagree but unless you're in a really harsh, snowy winter climate (say Syracuse NY, North Dakota, Maine, Wyoming, etc etc), IMHO I don't see a need for winter tires over all seasons, particularly on an AWD vehicle. Jersey, Southern NY/LI...here on a notably bad winter we may get accumulati...
by NHRATA01
Fri Dec 16, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7607

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

"Summer tires" are really performance tires and probably "3-season" is accurate for them. I've had 2 cars with them. They are usually designed for rain - unless you have something exotic like cup tires such as the Trofeo R's on a Ferarri, Z06 or Z/28, etc - track cars basically. ...
by NHRATA01
Fri Dec 16, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Ellis: "Under 40 years old - 100% in Stocks"
Replies: 54
Views: 5743

Re: Ellis: "Under 40 years old - 100% in Stocks"

I think having 10-20% in bonds at that age is reasonable. Returns aren't dinged that much in exchange for lowered volatility. But IMO the greatest benefit is that if you have another '08/'09 when equities are crashing and bond prices are going up, following a disciplined stock/bond AA, you will be f...
by NHRATA01
Wed Dec 14, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Colleague's financial advisor
Replies: 14
Views: 1475

Re: Colleague's financial advisor

"Ask those engineers whether [your customers] should be buying [your products] or the cheaper versions……Low cost does not necessitate higher returns. 2 things: 1. You buy a more expensive product (assuming this isn't a luxury good where you're just paying for a name) because it presumably has ...
by NHRATA01
Tue Nov 01, 2016 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any NYS Teachers with 403B?
Replies: 24
Views: 1503

Re: Any NYS Teachers with 403B?

Interesting in that the union has to approve the 457b. A lot of these 403b articles suggest there's some kickbacks (legal or not so much, I do not know) to the union from 403b providers. That may not help get a 457 on the list. My wife's district does have a 457b option on the Omni website. Now, int...
by NHRATA01
Thu Oct 27, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: NY Times first in a series about 403(b)s with public K-12
Replies: 102
Views: 10623

Re: NY Times first in a series about 403(b)s with public K-12

This is why I try my best to direct anyone in the state to the NYS 457 plan, since it is very low cost and quite good. Of course it's usually buried in a link at the bottom of the respective OMNI website. And in my wife's case, her payroll person was too lazy to do her job and claimed the 457 was no...
by NHRATA01
Thu Oct 27, 2016 9:49 am
Forum: Investing - Theory, News & General
Topic: Wait until after election to add to Roth IRA?
Replies: 16
Views: 2210

Re: Wait until after election to add to Roth IRA?

I would not, since as mentioned no one knows what the markets will do on that day, or for that matter before that day (we could have a strong bull run over the next 2 weeks). If I was to speculate, I would say the markets are clearly expecting a certain candidate to win so they have priced that in, ...
by NHRATA01
Thu Oct 27, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: 2017 401K and IRA Contribution Limits
Replies: 12
Views: 2083

Re: 2017 401K and IRA Contribution Limits

I suspect we won't see them move much as they are supposed to be linked to core inflation, which has been quite low going on a few years now.
by NHRATA01
Thu Oct 27, 2016 9:24 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 36817

Re: The Bogleheads' "100 Things Worth Every Penny" List

I heard an old piece of advice a couple of years ago that really makes sense. "Don't cheap out on the things that put you in contact with the earth" By that meaning, shoes, socks, tires, mattress. Also I forgot who the billionaire was when asked on what to splurge and he answered "Soc...
by NHRATA01
Mon Oct 10, 2016 11:24 am
Forum: Personal Consumer Issues
Topic: New car: wait for redesigned 2017 to arrive before purchasing 2016?
Replies: 15
Views: 1464

Re: New car: wait for redesigned 2017 to arrive before purchasing 2016?

Only thing I would caution in this specific case, is Subaru tends to have very tight supplies of its vehicles, relative to competitors. If you wait too long, the '16s may be gone. OTOH I find this to be a valid strategy generally for the big 3. They tend to overstock many of their vehicles and have ...
by NHRATA01
Wed Sep 28, 2016 12:14 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3774

Re: 2016 Murano or 2016 Acura MDX

Buy the one that doesn't require premium fuel, which is certainly not going to be the Acura. This will save you hundreds or thousands over the life of the car. There's no reason to design a car that requires premium fuel, unless it's a sports car. With the move to higher output smaller displacement...
by NHRATA01
Thu Sep 22, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: Audi Service Dealership Cost too high? Where should I take it?
Replies: 39
Views: 3384

Re: Audi Service Dealership Cost too high? Where should I take it?

Ok so looking it up, the Q5 hybrid uses the 8-speed tiptronic. This is the ZF 8HP 8-speed, which is used in a variety of BMW's and Benz's, but also the run of the mill Chrysler 300, Dodge Charger/Challenger, Ram and Durango/Jeep Grand Cherokee. Interestingly enough, a cursory look around the BMW for...
by NHRATA01
Thu Sep 15, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: Purchase '98 Toyota Camry?
Replies: 40
Views: 4839

Re: Purchase '98 Toyota Camry?

One concern with a car of that age is the lack of modern safety features. However, late model Camrys are much more expensive. I am satisfied, on balance, with the safety/risk of that era cars. Yeah a couple downsides: -No side airbags. -No electronic stability control (ESC). -Depending on model, no...
by NHRATA01
Mon Sep 12, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 3774

Re: 2016 Murano or 2016 Acura MDX

I believe the Murano still has the CVT which hasn't been known to be the greatest in terms of livability and reliability. The Acura will hold it's value a bit better and Honda tends to be a more reliable make than Nissan. You will also likely get better mileage with the FWD over the AWD. IMO AWD is ...
by NHRATA01
Mon Sep 12, 2016 2:49 pm
Forum: Personal Consumer Issues
Topic: 2006 mazda miata for daughter, 42k miles, $10k?
Replies: 64
Views: 4642

Re: 2006 mazda miata for daughter, 42k miles, $10k?

Well, it's worth considering that the possibility of accident avoidance goes up with such a great handling and braking vehicle. Being that young women drivers tend to be much more conservative than young men, I hardly think she's going to be driving at 9/10ths through every local tail of the dragon-...
by NHRATA01
Mon Aug 29, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Outlook on oil
Replies: 54
Views: 3860

Re: Outlook on oil

Pure fun and speculation, not investing strategy, but my thoughts: I have a hard time being bearish on oil over the long term. We really still haven't moved away from fossil fuels as much as we like to think. US fleet average has actually dropped thanks to the resumption of CUV/SUV purchases with lo...
by NHRATA01
Fri Aug 26, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Where to mount winter tires?
Replies: 31
Views: 2427

Re: Where to mount winter tires?

I'm fascinated about the winter tire thing. Where do you all store them? I read that for best practice you should store them in airtight bags in a climate contrlled space. I just don't see a set of 4 wheels fitting anywhere in my house. Maybe its a neat decor idea for our boys room though... I don'...
by NHRATA01
Tue Aug 23, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1479

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Mon Aug 22, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1479

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable. I am in NY. I did some internet searching and everyth...
by NHRATA01
Fri Aug 19, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Voya 403b fund options
Replies: 24
Views: 1479

Re: Voya 403b fund options

I cannot tell your location, but if you are in NY have you considered using the state 457 plan? It is quite good and I opened an account for my wife through Omni as I found the 403b provider list (basically the same as yours) rather unpalatable.
by NHRATA01
Wed Aug 10, 2016 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Are bonds necessary for young investors?
Replies: 58
Views: 3756

Re: Are bonds necessary for young investors?

I find the value at 36, to be twofold. 1) to blunt the impact of market corrections (I still watched my portfolio drop by over 50% in '08 and '09 with a 20% bond allocation) 2) to have something to re balance from. Bonds tend to run up when the market tanks. If you're sticking to say, an 80/20 alloc...
by NHRATA01
Wed Aug 10, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 8625

Re: Anyone have A/C fail on an older Honda CRV?

Our 2004 CR-V blew the compressor at about 60k miles. The dealer we brought the vehicle from covered the parts under warrantee and labor was in the $400 range. The only other non standard item that I had replaced was the oxygen sensor in the fuel system. Talking to the mechanic I may have been the ...
by NHRATA01
Tue Aug 09, 2016 2:34 pm
Forum: Personal Consumer Issues
Topic: Anyone have A/C fail on an older Honda CRV?
Replies: 50
Views: 8625

Re: Anyone have A/C fail on an older Honda CRV?

I never dreamed fixing the A/C was one of the most expensive auto repairs there is. I'm wondering where it falls on the list of major $$ repairs -- right behind a rebuilt engine? It's only cool AIR for geez sake! The evaporator is buried in the dash and on most cars necessitates dismantling the das...
by NHRATA01
Tue Aug 02, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 3458

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past. Agreed. I'm actually surprised GM allows the Camaro to be so competitive with the Corvette. Pick your...
by NHRATA01
Mon Aug 01, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2333

Re: Edelman on Muni's

Possibly broaching the scope of this board here, but I'd have to think there would not be a good motivation for the federal government to remove the tax exempt status of munis - doing so would certainly ding the demand for municipal debt and make it harder for municipalities to secure financing. You...
by NHRATA01
Mon Aug 01, 2016 9:33 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 37
Views: 3458

Re: anyone own a stingray corvette? how do you like it?

Have you considered cross shopping a '16+ Camaro SS? 95% of the performance, ~66% of the price and a bit more practicality and comfort. Trust me in that they are far from the oxcarts of years past.
by NHRATA01
Mon Aug 01, 2016 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing help for high dual income family
Replies: 8
Views: 1687

Re: Investing help for high dual income family

Just a couple clarification points/questions... Perhaps a typo, but max deferment for '16 is now 18K, not 17k. I see you say you are maxing your 403/457 each. Are you aware that if you are eligible for both plans as an individual, you can max 18k in a 403 and another 18k in a 457 for the same person...
by NHRATA01
Mon Aug 01, 2016 7:10 am
Forum: Investing - Theory, News & General
Topic: Edelman on Muni's
Replies: 29
Views: 2333

Re: Edelman on Muni's

What's the logical reason for him thinking the federal (and state BTW) exemption will be rescinded? Is this a pie in the sky scenario or has this been raised in our recent circus we call the election? I hadn't ever seen it suggested but certainly could be something I missed.
by NHRATA01
Thu Jul 14, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 47
Views: 5562

Re: Yahoo Finance redesign

I'm with you, can't stand the new design. I'm sure it was geared towards ad revenue since Yahoo in general is in the toilet and they're trying to sell the company. CNNMoney likewise went to the dumps about a year ago. These are cases where going back to the 1996 version of a basic financial news pag...
by NHRATA01
Thu Jul 07, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Best Online Broker - Fidelity- According to Kiplinger's
Replies: 15
Views: 1871

Re: Best Online Broker - Fidelity- According to Kiplinger's

I think most on here will acknowledge that from a pure "brokerage" standpoint, Vanguard isn't the best. In other words if you plan to trade, you are probably better using Fidelity, eTrade, Ameritrade, etc. I've been very happy with Ameritrade for a number of years. What Vanguard is ideal f...
by NHRATA01
Thu Jul 07, 2016 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 1109

Re: Employer contribution-yearly vs biweekly

The disadvantages to the employee are advantages to the company. They've certainly weighed these options and it's highly unlikely you're going to change anyone's mind. And since that system is already in place, it's additional cost for them to change it. You'd need to make an exceptional business c...
by NHRATA01
Thu Jul 07, 2016 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Employer contribution-yearly vs biweekly
Replies: 13
Views: 1109

Re: Employer contribution-yearly vs biweekly

I don't think you're going to convince them to change. By paying the match annually instead of weekly like most companies, they save money by not having to pay anyone who leaves the company prior to the March match payout. At companies with high turnover, this can be a very substantial amount of mo...
by NHRATA01
Wed Jul 06, 2016 6:34 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 9564

Re: synthetic oil changes

Not directed at anyone in particular (far from it, my eyes glaze over,) but, would you really trust "some guys on the internet" to tell you when to change your oil, and with what, when the owner's manual is clear on it? This never ceases to amaze me. I would not dispute that the owner's m...
by NHRATA01
Tue Jul 05, 2016 11:51 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 9564

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. If you want my more general advice, I would say this for a vehicle with years of desired longevity - on a modern direct-injected vehicle (particularly turbocha...
by NHRATA01
Tue Jul 05, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: synthetic oil changes
Replies: 134
Views: 9564

Re: synthetic oil changes

3K OCI's is definitely a thing of the past. However I've not been convinced 10K plus (particularly on non-synthetic) is a good idea either. As I've referenced on this forum before, the "PhD's" and "highly experienced automotive engineers" aren't infallible either. GM has had TSB'...
by NHRATA01
Wed Jun 29, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1519

Re: Complicated Situation with Father (Future Care)

AFAIK, Medicare does not cover anything unless you first have 3 admitted days (calendar days?) in the hospital. Then it may depend on whether you are improving or some such restrictions. If he is a veteran, there may be some help there as well. There is a very recent thread on a similar topic that ...
by NHRATA01
Wed Jun 29, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Complicated Situation with Father (Future Care)
Replies: 10
Views: 1519

Re: Complicated Situation with Father (Future Care)

My father passed a month ago at 70, after living alone probably a little longer than he should've (which only hindsight revealed to me) and taking a fall in January, then spending 5 months in nursing/rehab facilities. Here's some things I learned that may help. You absolutely need to get his power o...
by NHRATA01
Thu Jun 16, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: getting married/divorced- affects on portfolios, IRAs etc?
Replies: 16
Views: 1528

Re: getting married/divorced- affects on portfolios, IRAs etc?

Suppose 'Bob' works and contributes to an IRA at work. Then in his 40's when he has a substantial balance built up, he gets married. 2-3 years after marrying, he ends up divorcing (for whatever reason). Question is: is his spouse entitled to 1/2 of his IRA if he contributed all the funds in it to b...
by NHRATA01
Wed Jun 15, 2016 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?
Replies: 4
Views: 696

Re: Opportunity for getting awayfrom Metlife with no surrender charges due to broker-dealer of record change?

I'm curious, is there any way once doing a 1035 to a Vanguard annuity, can you somehow transfer the account away from an annuity and to a typical tax deferred account, IRA or rollover to a 401/457/etc? What are the options to get out of an annuity plan? Long story short I ended up setting up a 403b ...
by NHRATA01
Mon Jun 13, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: investing in platinum
Replies: 19
Views: 1852

Re: investing in platinum

Do this first. Go to Apmex and click on historical charts on the right. Click 5 year. Realize that ignoring inflation, an investment in platinum 5 years ago is worth half today. At the top of the chart, click gold. Click 5 year again as it reverts to 6 months. Gold did better, only dropping from $1...
by NHRATA01
Mon Jun 13, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: 3 Row SUVs - Help Educate Me
Replies: 42
Views: 3643

Re: 3 Row SUVs - Help Educate Me

Regarding the Acadia, be aware the "old" large '16 Acadia is available for a couple more months concurrently with the "new" '17 Acadia which has shrunk notably in size. I believe the new Acadia has an option for a 3rd row but quite cramped in size vs the older model. Don't ask wh...
by NHRATA01
Tue Jun 07, 2016 1:38 pm
Forum: Investing - Theory, News & General
Topic: Utility Stocks - Why doing so well?
Replies: 21
Views: 2652

Re: Utility Stocks - Why doing so well?

jhfenton wrote:I agree. I would guess yield-chasing.

I would think yield chasing, but I would also think utilities are probably having slightly better profit margins now with natural gas and coal prices being extremely low.
by NHRATA01
Mon Jun 06, 2016 2:25 pm
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 4600

Re: Best AWD Sedan/Coupe?

AWD certainly helps with snow handling. If you know what you are doing with the throttle, you can keep the front end from plowing as it will on a FWD car, and most definitely keep the tail from coming around on you on a RWD. As for stopping, little will help you there other than allowing plenty of s...
by NHRATA01
Mon Jun 06, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best AWD Sedan/Coupe?
Replies: 53
Views: 4600

Re: Best AWD Sedan/Coupe?

Have you considered a Buick Regal? A fully loaded AWD GS, you can probably get into for mid-high 30s, or a couple grand less for the non-GS models (which incidentally have the same engine). If you were looking at Cadillacs, I'm assuming that was the ATS. Regal will be 10-15K cheaper equally equipped...
by NHRATA01
Tue May 31, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Non-Spouse Inherited IRA RMD clarification
Replies: 1
Views: 233

Non-Spouse Inherited IRA RMD clarification

Hello, Hoping for a little clarification on RMD rules. My father turned 70 1/2 in January and passed this May. By coincidence of timing, only days before he passed I had withdrawn $10K to prepare to begin making nursing home payments, which did not come to pass. That was the only amount withdrawn fr...
by NHRATA01
Fri May 20, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Food waste because of date labeling
Replies: 26
Views: 1965

Re: Food waste because of date labeling

I have a problem with DW on this. She insists the 'sell by' date on packages means 'eat by'. As do I, and not just food. I've had to make a hidden stash of OTC allergy/pain meds just because she'll toss a bottle of Advil after it's sell by date. Smell/sight test is good enough for me with taste as ...

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