Search found 158 matches

by athan
Mon Apr 16, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

Re: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

I just read on another thread that Bank of America imposes a quarterly limit of $2500 on gas, grocery, and wholesale club spending that can earn the higher credit card rewards. How does that affect the analysis? I would still get around an additional $300/year by moving at least $100,000 to ME from...
by athan
Sun Apr 15, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

Re: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

I think I will get $600 bonus for switching to ME, plus around an extra $300 per year in credit card bonus. My wife likes using BofA for checking, so this makes sense and cents for us. $300/year is just enough for me to switch my taxable from Vanguard. The "extra" $300 is still lower than many othe...
by athan
Sun Apr 15, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

Re: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

How much additional cash back per year will you earn from Bank of America at your current level of credit card spending? For me, the amount would be at most a few hundred dollars — in other words, about the same amount as some of the account transfer bonuses offered by other brokerages. I don't thi...
by athan
Sat Apr 14, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

Re: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

bgf wrote:
Sat Apr 14, 2018 6:29 am
I just did the same thing. 1% everything, 2% groceries and wholesalers, 3% gas.

Thats not that great. What makes it good is the 75% bonus boost to your cash back rewards. I am guessing OP also gets that max boost.
Exactly the reason!
by athan
Fri Apr 13, 2018 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

Re: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

I did a similar transfer from vanguard to Merrill Edge. I called vanguard. The person on the phone went through my holdings and told me the corresponding ETF and initiated the conversion. Partial ETF shares were sold as part of the process. Merrill doesn't support transfer in all mutual funds. So c...
by athan
Fri Apr 13, 2018 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)
Replies: 22
Views: 1495

From Vanguard To Merrill Edge (Should I transfer Mutual Funds to ETFs First?)

I bank with BofA and want to transfer my taxable account from Vanguard to Merrill Edge to take advantage of the credit card bonus. In my taxable account I currently have Admiral shares of VEMAX, VTIAX, and VTSAX. From those who have transferred to ME, should I first convert to the corresponding ETFs...
by athan
Thu Mar 29, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8893

Re: What is the endgame for Millennials?

livesoft wrote:
Thu Mar 29, 2018 1:57 pm
I think that pensions vanishing is good for Millennials. The reason is that pensions die with their parents, but if their parents had 401(k)s, 403(b)s, IRAs, then they will inherit quite a bit of money.
Agreed
by athan
Mon Mar 19, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application fees--2nd set of eyes please
Replies: 5
Views: 256

Re: Mortgage application fees--2nd set of eyes please

Everything looks right. I went through this a few months back and used Garden State. Saved a ton of money using an online lender.
by athan
Mon Mar 19, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage application fees--2nd set of eyes please
Replies: 5
Views: 256

Re: Mortgage application fees--2nd set of eyes please

Are you using Garden State Home Loans?
by athan
Tue Mar 06, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 1904

Re: Roof Leak...Need Advice

Update on the roof. It was an issue with the ridge vent. The builder used an aluminum ridge vent. Apparently, in high wind areas like our house, this is not the best. We instead need a shingled vent. I ended up calling a local roofer and they came out today and fixed it. Damage was $1250 for the wor...
by athan
Sat Mar 03, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Has the home we wanted just become 20% more expensive due to tax reforms?
Replies: 62
Views: 6727

Re: Has the home we wanted just become 20% more expensive due to tax reforms?

The short answer is YES the house has become more expensive but you’re getting most of the house savings upfront now without the house. Life for renters was made better and life for home owners mostly stayed the same. For people buying a $500k house in a high tax state with your income you got scre...
by athan
Sat Mar 03, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Has the home we wanted just become 20% more expensive due to tax reforms?
Replies: 62
Views: 6727

Re: Has the home we wanted just become 20% more expensive due to tax reforms?

These posts pointing out he's essentially in the same position and the other ones shaming him by saying if he needs that extra money he's buying too much house, are surprising to read on this board. He's not in the same position. Current owners are perhaps (depending on circumstances) in the same n...
by athan
Tue Feb 27, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: NY 529 and K-12
Replies: 19
Views: 892

Re: NY 529 and K-12

I am in a similar situation. Live in PA but invest with NY529. If this is true I may switch to Nevada.
by athan
Fri Feb 23, 2018 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Defining "House Poor"
Replies: 299
Views: 16480

Re: Defining "House Poor"

Simple Simon wrote:
Fri Feb 23, 2018 4:34 pm
Someone is house poor if they own less than one house. :happy
Nice :D
by athan
Fri Feb 16, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 1904

Re: Roof Leak...Need Advice

Sandtrap wrote:
Fri Feb 16, 2018 9:20 pm
This is something that should be fixed ASAP before future rains cause more damage.
It might be good at some point to weigh the costs of pursuing builder or roofer warranty work vs just getting it fixed, either by yourself or a roofer.
Good luck.
mahalo,
j :D
Thanks...good advice
by athan
Fri Feb 16, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 1904

Re: Roof Leak...Need Advice

if you want to fix it yourself, i can offer advice but not otherwise. my advice then is to go up on the roof with tar and a putty knife and tar liberally around everything that sticks thru the roof and look for nails that popped up. hammer them back in and tar over. I'm not getting up on the roof. ...
by athan
Fri Feb 16, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 1904

Re: Roof Leak...Need Advice

I had a roof leak. Builder replaced the shingles that had a rusted nail (or was it staples?) through them. Call my drywall guy who patched it up for a few hundred. Probably below my deductible. I am hoping that builder will fix roof and drywall/paint. I feel like they should since the house is less...
by athan
Fri Feb 16, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Roof Leak...Need Advice
Replies: 16
Views: 1904

Roof Leak...Need Advice

We bought a house 6 months ago (house was built in 2014). Tonight I noticed a leak in the upstairs ceiling. I went in the attic, and sure enough the roof is leaking. I am going to call the builder tomorrow to see if the roof is under warranty. I am hoping the builder will fix the roof and drywall. I...
by athan
Wed Feb 14, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 2044

Re: The Best HSA

alter wrote:
Wed Feb 14, 2018 12:19 am
Sorry Athan, but $2.90 per month and no TD Ameritrade+covered call options isn't the best HSA.

2.9/mo = $34.80/year. With Elements I pay zero.

Just out of curiosity, what is the symbol of your Vanguard fund and it's expense ratio?
VITSX 0.04
VSMAX 0.06
by athan
Wed Feb 14, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 2044

Re: The Best HSA

Just throwing it out there...I use BenefitWallet. After a $1,000 minimum in banking account, you can invest in low cost Institutional Vanguard funds. The only fee I pay is $2.90 per month. I am a big fan since this account is what got me started as a Boglehead. Back in 2013 I set up this account thr...
by athan
Fri Jan 19, 2018 3:56 pm
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2196

Re: Medical Appointment Cancellation Policies/Fees

I would explain the situation to the financial coordinator, and if the charge isn't forgiven I would ask to speak with the doctor. If they are not willing to forgive this fee, I would find another specialist. It is not worth getting worked up over until after you contact the office. Most doctors hav...
by athan
Fri Jan 19, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Help Me Spend $900.00 Unused FSA Dollars
Replies: 42
Views: 2981

Re: Help Me Spend $900.00 Unused FSA Dollars

Not to get too personal but we bought condoms, first aid kits for home & both cars, sun block and bug repellant when we had leftover FSA dollars. We rarely have medical bills beyond a $319 for a replacement crown in 2017. Yes, I actually did get a few of those personal items. Well I just found out ...
by athan
Fri Jan 19, 2018 4:37 am
Forum: Personal Finance (Not Investing)
Topic: Someone Needs To Pay For What They Did (Advice sought)
Replies: 44
Views: 7620

Re: Someone Needs To Pay For What They Did (Advice sought)

4th and Inches wrote:
Fri Jan 19, 2018 2:48 am
Just pay it and move on with your life.
+1
by athan
Wed Aug 30, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 12331

Re: Companies/Brands You Love?

Chewy.com When our family dog passed a few weeks ago, my mother called chewy.com to cancel an auto-shipment. Not only did the company cancel the shipment, but they also refunded our last recent purchase which was over a few hundred dollars. They told my mom to donate the food and other purchases to ...
by athan
Wed Aug 23, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Used True SUV recommendations
Replies: 18
Views: 1896

Re: Used True SUV recommendations

Thanks for the additional feedback. Think I'll wait for now but leaning towards an Explorer or 4Runner (if 5 passenger if fine). Definitely seems like not all AWD and 4WD are created equal so I would do more research if I decide to get another car. I don't know much about the Pathfinder. No one out...
by athan
Sun Aug 20, 2017 3:52 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1665

Re: Home Theater Help

So I posted on AVS forum this morning, and so far no replies back. I guess I am spoiled by bogleheads forum response time and quality.
by athan
Sat Aug 19, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1665

Re: Home Theater Help

OP here...does anyone have thoughts on all-in-one systems that would support Atmos?
by athan
Sat Aug 19, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1665

Re: Home Theater Help

Not clear from your description (left monitor and screen) is what type video you have. If you meant projector and screen, then you will need in addition a multichannel receiver; front, center, and rear speakers, and a subwoofer. Many receivers available now support Dolby Atmos speakers in the ceili...
by athan
Sat Aug 19, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1665

Re: Home Theater Help

mhalley wrote:
Sat Aug 19, 2017 7:26 pm
I recommend going to AVS Forum and reading there.

http://www.avsforum.com/
Thanks
by athan
Sat Aug 19, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Home Theater Help
Replies: 15
Views: 1665

Home Theater Help

We just bought a house with a basement home theater room. The previous owner has left the speakers in the ceiling fixtures. He also left the monitor and screen. However, he took the rest of the speakers with him, along with the receiver and sub-woofer. I am looking for help with what I need to purch...
by athan
Tue Aug 08, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: First home purchase - required information - any suggestions
Replies: 10
Views: 1172

Re: First home purchase - required information - any suggestions

I'm trying to get ahead of the game as far as the information I will need for a first home purchase. I'm aware of needing bank statements and last years W2. How many years back does a lender need to see W2? Any suggestions on first time home buying is greatly appreciated. Lender asked us for last 2...
by athan
Tue Aug 08, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: Advise on house selling
Replies: 29
Views: 2694

Re: Advise on house selling

I've bought two houses without a realtor but have yet to sell one without using a realtor though not from lack of trying. It is a lot of work doing an adequate amount of advertising. The vast majority of the people don't understand buying a house privately and thought I was trying to scam them some...
by athan
Mon Aug 07, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: Time to leave our dentist??
Replies: 54
Views: 7270

Re: Time to leave our dentist??

When we needed to find a new dentist, we asked a periodontist for recommendations. He gave us 3 names. I selected one and Mrs. sport selected another. We have both been happy with our choices. Periodontists see the work of general dentists all the time. They can recognize good work when they see it...
by athan
Sun Aug 06, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Best mortgage shopping for refinance
Replies: 6
Views: 741

Re: Best mortgage shopping for refinance

Zillow or Bankrate are the places to check rates. Lowest rates are online companies who make up for their lower rates through bulk and streamlined computer software. You need to stay on top of things with these companies, but they should all be fine for a refinance.
by athan
Sat Aug 05, 2017 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Can We Afford This House?
Replies: 11
Views: 1520

Re: Can We Afford This House?

Yes, you can afford the house. To me, the bigger question is whether to keep the townhouse or sell. If you are keeping solely as an investment, it could backfire for multiple reasons.
by athan
Fri Jul 28, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: Is this an unreasonable quote for interior home painting?
Replies: 56
Views: 8578

Re: Is this an unreasonable quote for interior home painting

Sherwin Williams is about the most expensive paint that you can buy. And they are in the same ballpark quality wise as the best paint at either lowes or home depot. So at least twice as much for the same result on the paint. Don't take my word for it - check out consumer reports. Dont know about sa...
by athan
Mon Jul 10, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: HELPPP! What woudl be the best place to combine debt and way to pay it off?
Replies: 11
Views: 1211

Re: HELPPP! What woudl be the best place to combine debt and way to pay it off?

Just don't put any of your money towards her debt until you are officially married. If you want to help, I would stash the money aside in your account and then you can pay towards it once married. I agree with this. Also, have a small wedding where you don't spend much money. Put all the money you ...
by athan
Mon Jul 10, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 13563

Re: What do you splurge on?

Comfortable furniture. We are moving and just picked out a leather sectional from Elran. Over $6,000, but worth it.
by athan
Fri Jun 30, 2017 6:32 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Ok...we agreed on a price with the seller. We settled at $370,000 plus $4,000 for theater room furniture and washer/dryer. We are also letting them stay until September 1st, so 1 month rent free. Not a big deal. I feel like we overpaid by about 5 grand, but I'm sure the seller feels the same way, if...
by athan
Thu Jun 29, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I have never considered the seller's feelings or their costs or anything else that happened in the past when making an offer on real estate. [...] The synthetic drama of this situation is comical to me though. This is so true, but it is fun to sort of negotiate vicariously through the social media ...
by athan
Thu Jun 29, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I'd offer $362K again. Just because they counteroffer lower does not mean that a negotiation splits the difference. I would be willing to do this, but my wife really wants the house at this point. I'm willing to go up to $375,000 to buy this house, so I think we are there. To me there is not much d...
by athan
Wed Jun 28, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I'd offer $362K again. Just because they counteroffer lower does not mean that a negotiation splits the difference. I would be willing to do this, but my wife really wants the house at this point. I'm willing to go up to $375,000 to buy this house, so I think we are there. To me there is not much d...
by athan
Wed Jun 28, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

An update for anyone interested... The sellers offered a counter price last night of $385,000. Our last offer was $362,000. They want to close by the first week of August so they can move to Florida. The ball is now in our court, and we are thinking of offering $370,000 final offer. Also, the agent ...
by athan
Wed Jun 21, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1401

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

Earl Lemongrab wrote:
athan wrote:Vanguard does not charge us anything to run this Simple IRA (other than Institutional shares instead of Admiral).
I think you mean Investor shares.
yes sir
by athan
Tue Jun 20, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1401

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

My wife and I would be able to put $18,500 each, instead of $12,500. The maximum employee deferral in a 401k is $18,000 for 2017 not $18,500. 1. Is it worth it to pay these 401k fees in order to save the tax advantaged space? Only you can judge that. 2. Employee Fiduciary allows rollovers from Simp...
by athan
Tue Jun 20, 2017 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 1401

Small Business Owner with Simple IRA. Debating Switch to 401k

I am a current partner 50/50 in a small medical practice. I started and run a Simple IRA through Vanguard for all employees (approximately 12-14 people). Between my wife and I, we can put away $12,500 each per year, and add a 3% match. All employees are currently offered a 3% match of salary. Vangua...
by athan
Mon Jun 19, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

I think OP is playing this right. Houses that are overpriced to begin with take a long time to sell and often I think end up selling for a little less than if they had been priced in line with the market to begin with. People who live in a seller's market where houses often get multiple offers in a...
by athan
Sun Jun 18, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Also, a house of similar size on the same street just sold for $330,000. The lot is not flat and there is only a 2 car garage, but it would be considered a comp. This would suggest that the home for sale would not appraise high enough for a loan in the range the sellers are asking for. A buyer's ag...
by athan
Sun Jun 18, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 7381

Re: Negotiating a House Using Seller's Agent (opinions wanted)

Factoring in the agent's commission, the seller is probably just about getting what they paid for the house back in 2012 with a $393 sale price...not that that has anything to do with the current value of the house. Sometimes, it just takes time for sellers to accept that they are going to lose mon...