Search found 40 matches

by muredhawk235
Mon Nov 06, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 7239

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

They called me twice today asking for my wife. She doesn't even have Vanguard shares in any of her accounts, I am the one that has them. I am not even sure how they got her name yet don't have her number.
by muredhawk235
Wed Feb 22, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Question for you HSA gurus (received
Replies: 1
Views: 423

Question for you HSA gurus (received

Any one ever deal with using HSA funds to pay a medical expense to then get refunded for over payment of that expense? My wife received a refund check for 200 dollars from a bill she had paid last year. Now I am not sure if this is a mistaken distribution because she accidentally overpaid by making ...
by muredhawk235
Sun Oct 30, 2016 12:19 pm
Forum: Personal Investments
Topic: No company match, what do?
Replies: 12
Views: 2094

Re: No company match, what do?

What are the amounts and interest rates on your debts? Does your 403b allow for Roth contributions? About how much (total all accounts, in dollars) do you feel that you might be able to contribute to investing annually? Car 1: 12k, 3 years left @ 1.5% Car 2: 14k, 3 year left left @ 1.5% Mortgage: 1...
by muredhawk235
Sat Oct 29, 2016 7:43 am
Forum: Personal Investments
Topic: No company match, what do?
Replies: 12
Views: 2094

Re: No company match, what do?

What are your future goals? In your shoes, I would contribute the max to your 403(b), your Roth IRA, your spouse's Roth IRA, your HSA, your spouse should contribute the max of $18,500 to her retirement plan and not just 10%. When we were your age we contributed the entire salary (before taxes) of t...
by muredhawk235
Sat Oct 29, 2016 7:00 am
Forum: Personal Investments
Topic: No company match, what do?
Replies: 12
Views: 2094

Re: No company match, what do?

My daughter just started he job and has access to a terrible 403b. High expense ratios and fees and no match. I suggested she put the max in a Roth with Vanguard and that her husband put the max in his TIRA. Don't know if she followed my advice. The funds available are actually pretty good. The ER ...
by muredhawk235
Fri Oct 28, 2016 9:10 pm
Forum: Personal Investments
Topic: No company match, what do?
Replies: 12
Views: 2094

No company match, what do?

Hello bogleheads, Currently I contribute 11.25% of my salary to my companies 403(b) in Vanguard 2050 TDF (only ~5k annually), there is not match. Although there is no match, i do get a pension equivalent to 15% of my annual salary which become invested in 3 years. AFter 3 years if you do not have at...
by muredhawk235
Fri Jul 15, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 11469

Re: Electric Bills Killing Me from AC. Need Advice.

We have a split level house with our bedrooms on the top floor and the ac unit blows air into the basement first...So I feel your pain. We have 4 levels and each one is honestly about 8 degrees warmer than the floor below it. We keep our thermostat at 79 which is located on the floor below the bedro...
by muredhawk235
Wed Jul 13, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Advice for late starter(s)?
Replies: 8
Views: 1541

Re: Advice for late starter(s)?

My thoughts: #1 - Dump the whole life. you both work so nobody depends on your income to survive. Consider term policies at least 10x salary if/when you have kids. #2 - Good decision to keep the EF. Once you get the debt under control 6 months salary should be good assuming you aren't in an extreme...
by muredhawk235
Wed Jul 13, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Advice for late starter(s)?
Replies: 8
Views: 1541

Re: Advice for late starter(s)?

Sorry, I did mean to put filling jointly. I have updated the OP Why roth and not traditional IRAs? I suggested this to my wife primarily because I thought that there would be less of a penalty if we had to take money out early. Since she didn't want to "lock it" up in a 401k, I figured this route wo...
by muredhawk235
Tue Jul 12, 2016 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for late starter(s)?
Replies: 8
Views: 1541

Advice for late starter(s)?

I’ll try to post as much info as possible and I would really appreciate any feedback/advice. I consider both my wife and I late starters. I went to grad school and didn’t really start saving for retirement until I was 26/27, my wife started working right out of college but was the type of person tha...
by muredhawk235
Thu Jun 16, 2016 1:29 pm
Forum: Personal Investments
Topic: HSA investment options
Replies: 8
Views: 933

Re: HSA investment options

What I do is let the funds accumulate for 1 year (I max contributions) then roll it over to another account (HSA Administrators). The choices in my company's HSA are even worse than yours... The rollover is easy to do (write a check and mail it) and free (once every 365 days). Search the forums as ...
by muredhawk235
Thu Jun 16, 2016 10:55 am
Forum: Personal Investments
Topic: HSA investment options
Replies: 8
Views: 933

Re: HSA investment options

Thanks for all the replies!
by muredhawk235
Thu Jun 16, 2016 9:58 am
Forum: Personal Investments
Topic: HSA investment options
Replies: 8
Views: 933

Re: HSA investment options

I would use the Columbia Large cap index for all of it and achieve your desired bond allocation in another account such as a 401k. Look at all of your accounts as one big pie. I've learned from the good folks here to keep stocks in the best tax-free/advantaged vehicles, like Roth IRA and HSA, as th...
by muredhawk235
Thu Jun 16, 2016 9:44 am
Forum: Personal Investments
Topic: HSA investment options
Replies: 8
Views: 933

HSA investment options

So the HSA available through my employer requires you have a balance of 2500 and then any money after that you are able to put towards investments. I am getting close to that number and started looking into my investment options. Currently my 403(b) is composed of just Vanguard Institutional Target ...
by muredhawk235
Wed Jun 01, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: New car buying
Replies: 32
Views: 3651

Re: New car buying

It's only logical to approach a number of dealers because it's likely they have unequal levels of "need to sell" at any given time. If Dealer A is typically cheaper but Dealer B needs to sell 2 more cars this week to hit a bonus threshold that Dealer A has already achieved, you might find Dealer B ...
by muredhawk235
Wed May 18, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 11378

Re: Gardening 2016

We have deer and rabbits so I'm looking into raised beds, have even seen some sold that would require no bending over since they are about at waist level on slits. We did plant some mint and basil which did very well with no work, well until some bugs started to eat them.... I'm in Md, close to DC....
by muredhawk235
Wed May 18, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 11378

Re: Gardening 2016

We have deer and rabbits so I'm looking into raised beds, have even seen some sold that would require no bending over since they are about at waist level on slits. We did plant some mint and basil which did very well with no work, well until some bugs started to eat them.... I'm in Md, close to DC....
by muredhawk235
Wed May 18, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 9905

Re: When is cash better than plastic?

When I am on a very strict budget I find having tangible cash easier to manage than just a number associated with the card. I can see/hold exactly how much I have left to spend I guess so its more of a mental thing
by muredhawk235
Wed May 18, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Did your children ever completely move out?
Replies: 53
Views: 6473

Re: Did your children ever completely move out?

They left their stuff. Most of a "bedroom" in our finished basement is occupied by their stuff. Unfortunately, we don't yet have an actionable plan for making it go away :annoyed Not the worst problem on earth, I suppose. Just do what my parents do and bring of box of crap with you every time you v...
by muredhawk235
Tue May 03, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Bogleheads like PC Gaming?
Replies: 40
Views: 5325

Re: Bogleheads like PC Gaming?

Currently in the process of building a new PC for gaming. Only need cpu/mobo combo and probably an ssd. I enjoy dark soul series, fallout series, generally any rpg game. Although I much prefer fallout to skyrim for any one looking for deals on parts and if your build parts are compatible http://pcpa...
by muredhawk235
Tue Apr 12, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Small, creative and daily ways to save money
Replies: 12
Views: 2329

Re: Small, creative and daily ways to save money

I am not sure why I did this about a year or 2 ago but when gas hit ~4 dollars a gallon I'd always think of it as how much more money I was wasting. When the price started to drop I would take what the cost of the gas is per gallon is currently and figure out the difference if it were still 4 dollar...
by muredhawk235
Mon Mar 28, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Your first $100k
Replies: 52
Views: 10950

Re: Your first $100k

And here I am at 29 hoping to get 10k by the time I am 30...
by muredhawk235
Fri Feb 26, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Don't understand nutrition and exercise
Replies: 340
Views: 38628

Re: Don't understand nutrition and exercise

"Body Building"?? I don't think so (based on the credible thing I read) There is a big difference between the drug fueled Mr. Olympia contests and the average forum poster just trying to get in shape. Although the main site http://www.bodybuilding.com doesn't have much value, the forum site actuall...
by muredhawk235
Mon Feb 15, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should my son stay on my benefit plan?
Replies: 40
Views: 3363

Re: Should my son stay on my benefit plan?

So... even if your spouse lands a job with benefits, he/she is not your dependent and must buy their own healthcare. Depends on the company plan design. Some companies restrict coverage to spouses if they are not otherwise eligible for another plan. Yup, my old job had an additional monthly fee if ...
by muredhawk235
Fri Feb 12, 2016 3:36 pm
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 4539

Re: Delta lost my luggage...

Something similar happened to my wife on our flight to France of Air France. Her bag had been tampered with an items were stolen out of it. We put in a claim and estimated the cost of everything lost plus the cost of the items she had to purchase to replace what was stolen. They acknowledged the cla...
by muredhawk235
Fri Jan 22, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on resubmitting perscription claim
Replies: 15
Views: 2258

Re: Need advice on resubmitting perscription claim

Unfortunately I think you're out the money unless you can get the pharmacy to do a goodwill gesture, outside of any insurance due to their error. I believe this time limit is across the board in healthcare. Here's the Medicare quote "Medicare claims must be filed no later than 12 months (or 1 full ...
by muredhawk235
Fri Jan 22, 2016 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on resubmitting perscription claim
Replies: 15
Views: 2258

Re: Need advice on resubmitting perscription claim

Go back to the pharmacy and ask if they can reverse the anthem claim and resubmit it under CVS. That was the first thing I did, but they also had a 365 day policy for some reason. They can access the claims, but for some reason they are unable to resubmit. Very frustrating. I'll attempt to talk wit...
by muredhawk235
Fri Jan 22, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on resubmitting perscription claim
Replies: 15
Views: 2258

Need advice on resubmitting perscription claim

Ok, here is the situation. My wife had gotten a new job back in 2014 and we put her on my insurance for a few months, that start date being 5/27/2014. Her previous insurance was through Anthem, my current insurance that handles prescriptions is CVS Caremark. On Dec 17th 2015 I get a letter in the ma...
by muredhawk235
Wed Dec 30, 2015 9:50 am
Forum: Personal Consumer Issues
Topic: Anyone have a Ford Escape?
Replies: 14
Views: 2620

Re: Anyone have a Ford Escape?

We have a 2015 escape titanium. Actual MPG will never match up with estimated so always take that with a grain of salt but ours is around 24-26, sometimes gets 28+ on long highway drives if driving conditions are nice. It is AWD and I can't comment on the navigation system since we didn't get it. I ...
by muredhawk235
Tue Dec 29, 2015 2:23 pm
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 12004

Re: Should I just give my wife (folded) money?

I keep a list of things in my phone that my girlfriend thought was cool, got excited about, or just had to show me because whatever it was was awesome. She probably tells you things she likes or is interested in on a regular basis. I use the list when gift times come up. They are always a hit becau...
by muredhawk235
Mon Dec 28, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 9262

Re: [What will you do differently in] 2016

Hoping to pay off the smaller of my 2 student loans so that I can then put that money towards the larger one.

Try harder to stick closer to my budget, hopefully with more money going to my loans it will put more pressure on my wife and I to not overspend when not necessarily needed.
by muredhawk235
Wed Dec 23, 2015 9:53 am
Forum: Personal Investments
Topic: Outraged with John Hancock
Replies: 39
Views: 6599

Re: Outraged with John Hancock

Are you unable to deduct contributions because you she would be using a different 401k even though her employer is offering one? Couldn't you just use her plan with a minimum deposit (like 3% or whatever it may be) then put the difference in a personal IRA to avoid the tax dilemma
by muredhawk235
Tue Dec 22, 2015 8:38 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 13421

Re: Bogleheads: Share how you like to vacation

My wife and I love to take road trips and visit the national parks in the country. We usually fly out and rent a car using points we have accrued through our southwest credit card. Once we arrive we get a cooler and stock up on some food. We make no reservations and just camp where we can while eati...
by muredhawk235
Wed Dec 09, 2015 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Trying to get my life on track, need advice
Replies: 52
Views: 5205

Re: Trying to get my life on track, need advice

I know you said you never liked it, but since you do have a skill set in construction, you could always attempt to market yourself (on sites like craigslist) for side jobs in the evenings/weekends. Or if you do get a part time job, you could potentially do the side jobs on your days off. I know when...
by muredhawk235
Mon Oct 05, 2015 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another Whole Life Insurance Question, and paying debt.
Replies: 2
Views: 1853

Yet another Whole Life Insurance Question, and paying debt.

Hello every one! Let me preface this by saying my parents are not the best when it comes to learning anything about savings/monny. However I have learned a lot from this forum and the books recommended by most here. I am 29 and married and have been thinking about getting term life insurance above w...
by muredhawk235
Fri Jul 31, 2015 8:08 am
Forum: Personal Investments
Topic: Recently laid off but got a new job, I have some 403b questions
Replies: 8
Views: 889

Re: Recently laid off but got a new job, I have some 403b questions

Lafder wrote:Why not max the pretax 403b option and reduce your taxable income now? If you change jobs it can become a rollover IRA.
lafder
This is what I have decided to do currently.

thanks for every ones input
by muredhawk235
Thu Jul 30, 2015 2:59 pm
Forum: Personal Investments
Topic: Recently laid off but got a new job, I have some 403b questions
Replies: 8
Views: 889

Re: Recently laid off but got a new job, I have some 403b questions

So you don't get a deduction for contributing to an IRA. Do you qualify to contribute to a ROTH IRA? Do That! But if you do not qualify for contributing to a ROTH IRA, make an After Tax contribution to a Traditional IRA. Then immediately Convert that to a ROTH IRA. This is known as a "back door ROT...
by muredhawk235
Wed Jul 29, 2015 10:26 pm
Forum: Personal Investments
Topic: Recently laid off but got a new job, I have some 403b questions
Replies: 8
Views: 889

Re: Recently laid off but got a new job, I have some 403b questions

LAlearning wrote:Not enough info, but probably yes...

What else would you like to know sir or madame.

edit: never mind, looks like I will have to use the 403b. If I stick with the IRA I wont get any tax deductions based on my AGI
by muredhawk235
Wed Jul 29, 2015 10:04 pm
Forum: Personal Investments
Topic: Recently laid off but got a new job, I have some 403b questions
Replies: 8
Views: 889

Recently laid off but got a new job, I have some 403b questions

Hey guys first time poster and newbie to investing so I am sure I will be posting/reading often as I get started. As the title says, I was recently laid off but currently have a new job. The new position is for a not for profit organization and offers a 403b without a company match. However, they do...