Search found 230 matches

by blueman457
Wed Jun 21, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 197

Re: Need help building TSM with Blackrock funds

Forgot to search the wiki.... Thanks all.

Blue Man
by blueman457
Wed Jun 21, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Need help building TSM with Blackrock funds
Replies: 3
Views: 197

Need help building TSM with Blackrock funds

I'm trying to mimic Total Stock Market with my wife's retirement plan options - what is the appropriate ratio if I'm using the below funds? I searched for previous answers, but couldn't find one specific to my question. BlackRock Equity Index (S&P 500 index) Black Rock Mid-Cap (S&P 400 Mid-c...
by blueman457
Sun Jun 18, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 388

Re: TIAA Traditional Annuity - New 401a/403b option

Yes to replacing a bond fund. You'll need the liquid version to rebalance into stocks when the next crash comes. Yes also to the 3.5% question for today's contribution. As time goes on, TIAA tends to bunch vintages into multi-year spans as you see with 06 to 09. But the rates on older vintages tend...
by blueman457
Sun Jun 18, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 6089

Re: So sick of it! [Paying off student loans]

I am in a similar situation (student loans $60k+, at 2.75% variable) with the same frustrations. After getting some advice on this forum, I've decided to wait 6 months until figuring out what I want to do (I'm trying to build up a down payment as well).

Good luck,

Blue Man
by blueman457
Fri Jun 16, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 1946

Re: USAA opinions. Worth it?

I currently have banking/insurance with them. -Banking: a few checking accounts, pretty typical interface. Nothing significant. I've always had good customer service unlike Bank of America, Chase, etc... HOWEVER, I still keep a checking account with Chase money orders, significant cash deposits, not...
by blueman457
Fri Jun 16, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Traditional Annuity - New 401a/403b option
Replies: 5
Views: 388

TIAA Traditional Annuity - New 401a/403b option

I discovered today that my new employer has a TIAA Traditional Annuity - Retirement Choice Plus Annuity as an option in my 401a/403b. Question: can it replace a bond fund? I have searched and read previous posts on this and called TIAA today. It is illiquid in my 401a (7 year payout should I leave),...
by blueman457
Thu Jun 15, 2017 6:01 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3666

Re: Best Cheap Champagne

Leemiller wrote:Veuve clicquot.


+1

Specifically: Veuve clicquot - Yellow Label.
by blueman457
Wed Jun 14, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Am I too far into the rabbit hole? (email with Gmail)
Replies: 29
Views: 3777

Re: Am I too far into the rabbit hole? (email with Gmail)

I moved on from gmail a few years ago, for similar reasons (using fastmail.com - excellent service). Will it really matter to google? Probably not, but it's one less person to mine data from. It's like voting in a landslide election, will it matter? Probably not, but you made your voice heard. Blue ...
by blueman457
Tue Jun 13, 2017 9:24 pm
Forum: Personal Consumer Issues
Topic: Multi-page scanner?
Replies: 24
Views: 1056

Re: Multi-page scanner?

iPhone and Scanner Pro (by Readdle) app; more versitle with qualtity just as good as my MFP scanner which I rarely use anymore. Are your page scans straight ? And what about shadows ? Even for check scans, I find using a smartphone very tedious. I prefer to use my scanner for those too. My credit u...
by blueman457
Sat Jun 10, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Best way to book multi-city international airfare itinerary?
Replies: 23
Views: 1774

Re: Best way to book multi-city international airfare itinerary?

I have looked at doing something like this before, 2 separate itineraries for an international flight, and the conclusion I got (from calling and internet forums) was that the airline will not honor that a missed connection and automatically re-book. I cannot remember what airline it was. Options: 1...
by blueman457
Fri Jun 09, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4163

Re: (Very) Early Retirement vs Parenthood

33 years old? You've got time to think about it. Seriously. No rush.

Enjoy life.

Blue Man

P.S. I do have an infant child, and yes it changes your life... for many people better, for many people worse.
by blueman457
Wed Jun 07, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3156

Re: Suit for residency interviews

Good dark colored- fitted suit and relatively conservative tie (I'm assuming you're a male), and that's about it. I've gone to Men's Wearhouse, Macy's, and higher end as I've gone up the pay scale. Just make sure it gets fitted/tailored because you'll probably wear the suit to other occasions so you...
by blueman457
Tue Jun 06, 2017 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Ibonds in Roth
Replies: 7
Views: 634

Re: Ibonds in Roth

Ibonds are state/local tax exempt and federal taxes can be deferred until they are cashed in. It not that advantageous to put iBonds in a Roth IRA; you may want to consider other bonds if you need bonds in your Roth. However stocks and other higher earning investments are considered a better choice ...
by blueman457
Sat Jun 03, 2017 11:25 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3669

Re: Need new Router/Wifi Networking Ideas

I ended up finding a cheap apple airport to extend my network. I want to upgrade my router/NAS/backup/sync at some point in the next 12 months so I don't want to spend a lot of money on a mesh network until I figured out what I wanted to do.

Thanks,

Blue Man
by blueman457
Fri Jun 02, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Anyone using onelogin change their passwords NOW
Replies: 2
Views: 393

Re: Anyone using onelogin change their passwords NOW

That's no good.

Question: why was there even a feature to allow for server side decryption of the passwords?!?!?
by blueman457
Tue May 30, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3195

Re: Using LastPass to Manage Passwords

When it comes to passwords, I've been old-fashioned, in that I have all my passwords written on a piece of paper and hidden in a safe location. I'm starting to think that the "invent my own password and manually type in" method may not be the most secure. My main concern is financial acco...
by blueman457
Tue May 30, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Maximize tax-efficient accounts before debt payment?
Replies: 22
Views: 1522

Re: Maximize tax-efficient accounts before debt payment?

If you are absolutely committed to living like a resident (well, you kind of have to), then maximize your contributions to your tax-advantaged account, refinance your loans, then pay them off in 4 years. Just stay absolutely disciplined- have some of your direct deposit go directly to your loans so ...
by blueman457
Mon May 29, 2017 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 55
Views: 6986

Re: Career Issue -- How do I recover?

Good to know things worked out in the end.
by blueman457
Mon May 29, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 79
Views: 6223

Re: Cell phone service abroad

Now, so that this semi-rant is at least partially actionable, let me ask: has anyone had success using a Samsung phone in Jamaica with a Digicel SIM? DW and I have a trip there upcoming in the fall, and I think I'll forego trying T-Mobile again. :annoyed Here's our actionable suggestion (our entire...
by blueman457
Mon May 29, 2017 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Pay Debt or invest with my Unique situation. Help!
Replies: 23
Views: 1953

Re: Pay Debt or invest with my Unique situation. Help!

Not knowing the entire story, I generically recommend contribute to get match, then aggressively pay off your student loans. However, have you considered refinancing your loans to a lower rate? This may allow you to fully contribute to your retirement accounts AND pay off your student loans at a rea...
by blueman457
Sun May 28, 2017 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 9308

Re: Play Money for Spouse....

We started separate "play money" checking accounts early in our marriage. Probably 18 months in, not 18 years! $50/month each in our personal checking accounts. It could be used for personal expenses, clothes, dining out with friends, etc... no questions asked. It allowed my wife to "...
by blueman457
Sat May 27, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: The joy of Saving!
Replies: 7
Views: 1510

Re: The joy of Saving!

:thumbsup
by blueman457
Wed May 24, 2017 5:19 pm
Forum: Personal Consumer Issues
Topic: Advice on kid's precalc learning
Replies: 47
Views: 2790

Re: Advice on kid's precalc learning

Like others, not doing well in precalc doesn't be necessarily mean failure or success as a career. But math is a important skill because of the logic and arguments you need to make. Enrolling him in a coding class, or fun physics class, or some other STEM related activity might help him develop logi...
by blueman457
Wed May 24, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Government 457 options. Advice appreciated.
Replies: 5
Views: 502

Re: Government 457 options. Advice appreciated.

Not knowing anything about your desired allocation,

Vanguard total stock
Vanguard institutional

Are ones I've used in past.

Or target date fund is fine too although I think the expense ratios are a bit higher.

Blue man
by blueman457
Tue May 23, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: First attending level job but no 401k offered. What are the options?
Replies: 14
Views: 1405

Re: First attending level job but no 401k offered. What are the options?

Can you set yourself up as an independent contractor in the group and set up your own retirement plan? WhiteCoat Investor as a post about his setup.

Blue Man
by blueman457
Tue May 23, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Starting a 529 with no children on the horizon?
Replies: 15
Views: 1075

Re: Starting a 529 with no children on the horizon?

Do you have a home? Do you need to save for a down payment? Loans paid off?

Any other liabilities?
by blueman457
Mon May 22, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4737

Re: Risks of electronic access

There are a few private email options, I use fastmail which costs me $40/year. No ads. There is a free version.

In terms of SECURE email options for individuals; there's probably only proton mail. Your inbox is encrypted, so if you forget your password, they can't help you either.

Blue Man
by blueman457
Sun May 21, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4737

Re: Risks of electronic access

Unfortunately I think the bigger risk is the direct hacking of the financial institutions directly or massive phishing attacks.

Blue Man
by blueman457
Sun May 21, 2017 9:15 am
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3669

Re: Need new Router/Wifi Networking Ideas

I might go the mesh set up (although cyberbob I might take you up on your offer!); I've done some reading on some of the technical aspects of mesh networks. Can anyone comment on the non-google hardware? Google historically abandons a lot of their hardware projects, so I'm a bit weary of jumping int...
by blueman457
Sat May 20, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 3669

Need new Router/Wifi Networking Ideas

I'm in the in market for a new router/wifi networking system: what is my best options/best product for my needs? I have an Apple Airport Express from 2012, which runs fine except that the signal doesn't extend well all the way through my new place. I cannot move the router. I'm thinking my options a...
by blueman457
Sat May 20, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: 529 question
Replies: 6
Views: 587

Re: 529 question

Agree with above. Tax deduction is a nice benefit but also look for plans with low fees. Make sure you're saving enough for yourself. I plan on using 529 and taxable accounts. I have thought of pre paying my mortgage early and then cash flowing college. Multiple ways to do this, just find what works...
by blueman457
Wed May 17, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with diversification
Replies: 9
Views: 501

Re: Help with diversification

As a resident, put into total stock market, S&P 500, target date fund, or something like that. Your first few paychecks as an attending will quickly dwarf any contributions you made as a resident. Just keep up the good habit of saving, which is the hardest thing to do. Also, stay up to date on p...
by blueman457
Tue May 16, 2017 1:12 am
Forum: Personal Finance (Not Investing)
Topic: How to stay on a budget?
Replies: 31
Views: 3397

Re: How to stay on a budget?

If you haven't do already, just track your expenses for 6 months. No budget, just track. Then come up with an annual budget that includes a life happens fund. Budgets are a long term tools, no weekly. But if you're trying to do weekly then you should stick to cash. The "power of habit" is ...
by blueman457
Sat May 13, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 44
Views: 3519

Re: How much to tip movers?

In NYC (and after talking to a mover who wasn't working for me): $5-10/hr per person is a good tip.

Blue Man
by blueman457
Sat May 13, 2017 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Setting a periodic transfer / Dealing with a fiscal beggar
Replies: 26
Views: 2588

Re: Setting a periodic transfer / Dealing with a fiscal beggar

livesoft wrote:They should meet you once a month somewhere and you give them cash.


+1
by blueman457
Sat May 13, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage
Replies: 6
Views: 634

Opportunity Cost: pay off student loan 3% or save for down payment 4%+ mortgage

Question: should I pay off my student loan or keep saving for a down payment? Student loan: $60k at 2.9% variable to LIBOR Current down payment savings: $80k, hope to add $40k/year Federal marginal rate: 33-39% State tax: 10% After getting our financial house in order, we started saving for a down p...
by blueman457
Sat May 13, 2017 5:13 pm
Forum: Personal Consumer Issues
Topic: Help convince me it's okay (or not): new vehicle
Replies: 30
Views: 2605

Re: Help convince me it's okay (or not): new vehicle

The amount of information is a bit limited, but if you are saving well and the car will be a net benefit then go for it. Just don't strain yourself on buying a car because you want to keep up with your next door neighbor.

Blue Man
by blueman457
Wed May 10, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 4648

Re: What newspaper or magazine do you pay for?

NYTimes digital
WSJ online - still get it for free on my iphone after the subscription expired.
by blueman457
Sun May 07, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get out of a apartment renter lease? They want $3,600
Replies: 40
Views: 3196

Re: How to get out of a apartment renter lease? They want $3,600

Only 2 months to break a lease? Definitely on the better deal. Subletting may be an option too.
by blueman457
Sun May 07, 2017 10:05 am
Forum: Investing - Help with Personal Investments
Topic: New Job, 414H plan Question
Replies: 5
Views: 365

Re: New Job, 414H plan Question

Similar set of circumstances with a 401a which I had a mandatory contribution; I left the institution, but left my contribution there due to the same pension/retirement issue. I wanted to make sure I would never come back. Given that you're still pretty young, leave it there for a little while, see ...
by blueman457
Fri May 05, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1091

Re: Does Your Doctor Take Funds From Drug Companies?

Sometimes the $10 and lower end amounts means they accepted a free group lunch/dinner or something along those lines. Higher than that, it sometimes falls into hotel stays were reimbursed. Even high than that, they may be part of a speaker's bureau.

Blue Man
by blueman457
Wed May 03, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Confidence in NY state pension, 403b, 457
Replies: 16
Views: 1163

Re: Confidence in NY state pension, 403b, 457

The security of the pension itself is always up for political debate. However, the 403B and the 457 are yours. The 403b is your own retirement plan and money you set aside for yourself only. A 457 is deferred compensation. A gov't 457 is much better than a non-gov't 457 because it's set aside in a s...
by blueman457
Sun Apr 30, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: 529 plan
Replies: 6
Views: 941

Re: 529 plan

I think a caveat to think about: should they die before the 529 is used, how does the ownership change? In NYS you are able to name a successor.

Blue Man
by blueman457
Wed Apr 26, 2017 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I max out 403b/457b before changing jobs?
Replies: 1
Views: 180

Re: Should I max out 403b/457b before changing jobs?

Yes, max it out before you leave. I have been through a few job changes and getting the 403b and 457 set up usually takes a few paychecks.
by blueman457
Wed Apr 26, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Refinance student loan to Earnest?
Replies: 24
Views: 1429

Re: Refinance student loan to Earnest?

I refinanced with Sofi a couple of years ago - moved to 5y variable rate, started at 1.9%, which has gone up since then. Sofi had some small customer service issues, but nothing critical. Initially didn't get the lowest rate advertised, so I emailed them back and then got the lowest rate. Email Earn...
by blueman457
Tue Apr 25, 2017 7:37 am
Forum: Investing - Help with Personal Investments
Topic: New Here - Looking to Get Started
Replies: 4
Views: 534

Re: New Here - Looking to Get Started

First of all, you're in a great position. You have a solid income and good net worth already Post your portfolio in the suggested format. It helps us make specific recommendations regarding investments Questions -Are you maxing out your 401k (18k/year)? If not, why not? -Do you have a roth ira (or h...
by blueman457
Mon Apr 24, 2017 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: Helping adult children
Replies: 81
Views: 8411

Re: Helping adult children

I am an adult. I have no claim to my parents money. They can spend it how they like, 1/5th of it isn't mine. Actually, a very mature and healthy idea. Wish everyone thought along similar lines on this topic. But, I've seen too many cases where the division wasn't equal and someone got their feeling...
by blueman457
Sun Apr 23, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Any Pale Moon users?
Replies: 7
Views: 770

Re: Any Pale Moon users?

When I was using Windows, I used pale moon because of less code/clutter/etc...
by blueman457
Sun Apr 23, 2017 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20390

Re: Any regrets living a frugal life for high income/high networth individuals?

This question gets asked periodically. As someone still in the infancy of my career, I can't contribute much. But reading responses has helped me shape my thoughts. Balance is key. One of the common reasons why folks have regretted being frugal because their spouse died in their 50-60s and they coul...
by blueman457
Sun Apr 23, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: 403B
Replies: 12
Views: 688

Re: 403B

Go with a lifecycle fund. Not the cheapest, but for someone who is unclear where to start it's a good option. However, do some reading on the wiki here and read some previous posts. Target date funds vary in the underlying asset allocation, and you might want to be more aggressive or more conservati...

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