Search found 1831 matches

by F150HD
Thu Jan 17, 2019 6:47 am
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 17
Views: 859

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

clean up original computer first (we've all been there :( )

Good time for an external harddrive. Memory is cheap, makes easy work of this, also allows for offsite backup.

Could also swap the cleaned up files to the cloud, then back down to new machine (non-sensitive items)
by F150HD
Wed Jan 16, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

fposte wrote:
Wed Jan 16, 2019 10:30 pm
Nope--they don't make it that hard to put money in post-tax. Fortunately
Thanks, this clarified my question! :thumbsup
by F150HD
Wed Jan 16, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Thanks, but that further illustrates my question- if I were paid monthly and set up a recurring 457 Roth contribution of $1583.33, then HR would tax me on that at 20% before it's ever sent to my 457 custodian. That would yield the $1266/month number I referenced above. That's not correct. They don'...
by F150HD
Wed Jan 16, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Roth 457 question The under age 50, 457 contribution limit this year is $19,000 . Is this in pre-tax contribution dollars ? or in post-tax contribution dollars ? That's overcomplicating it. It's like an IRA contribution--the limit is the same for Roth or traditional. You set your paycheck up to con...
by F150HD
Wed Jan 16, 2019 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Roth 457 question The under age 50, 457 contribution limit this year is $19,000 . Is this in pre-tax contribution dollars ? or in post-tax contribution dollars ? That's overcomplicating it. It's like an IRA contribution--the limit is the same for Roth or traditional. You set your paycheck up to con...
by F150HD
Wed Jan 16, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Roth 457 question The under age 50, 457 contribution limit this year is $19,000 . Is this in pre-tax contribution dollars ? or in post-tax contribution dollars ? If post-tax dollars, then assuming ones total tax rate per paycheck is 20% (just to keep it simple), they'd need to setup their paycheck ...
by F150HD
Wed Jan 16, 2019 5:30 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 604
Views: 26119

Re: John Bogle is dead at 89

Its on CNBC right now.
by F150HD
Tue Jan 15, 2019 6:22 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Another 457ish question: I, like many, have a Roth IRA at Vanguard I contributed $6000 to this year (new under 50 limit). When one does a Roth conversion of an employer based 401/457/403 at retirement, could the funds be rolled into this Roth IRA account? or would each 401/457/403 need to be rolled...
by F150HD
Mon Jan 14, 2019 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Another 457ish question: I, like many, have a Roth IRA at Vanguard I contributed $6000 to this year (new under 50 limit). When one does a Roth conversion of an employer based 401/457/403 at retirement, could the funds be rolled into this Roth IRA account? or would each 401/457/403 need to be rolled ...
by F150HD
Mon Jan 14, 2019 1:14 pm
Forum: Investing - Theory, News & General
Topic: Funds Overlap Tool
Replies: 9
Views: 741

Re: Funds Overlap Tool

hdas wrote:
Mon Jan 14, 2019 9:30 am
F150HD wrote:
Mon Jan 14, 2019 6:53 am
HEDGEFUNDIE wrote:
Mon Jan 14, 2019 2:22 am
Any overlap tools out there for that work with both mutual funds and etfs?
+1

have been looking for a tool like that.
If it doesn't exist. Seems like a good Forum project. Shouldn't be too complicated. :greedy
seems like a no brainer tool to me! Has to be one somewheres.
by F150HD
Mon Jan 14, 2019 6:53 am
Forum: Investing - Theory, News & General
Topic: Funds Overlap Tool
Replies: 9
Views: 741

Re: Funds Overlap Tool

HEDGEFUNDIE wrote:
Mon Jan 14, 2019 2:22 am
Any overlap tools out there for that work with both mutual funds and etfs?
+1

have been looking for a tool like that.
by F150HD
Sun Jan 13, 2019 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 37
Views: 1883

Re: Tax filing software

Triple digit golfer wrote:
Sun Jan 13, 2019 4:57 pm
aristotelian wrote:
Sun Jan 13, 2019 4:55 pm
Why not give Credit Karma a shot and post back here with the results?
I'm skeptical of free products and wondering to whom my information is being sold to allow them to offer it for free.
As am I, you often get what you pay for, or don't pay for for that matter.
by F150HD
Sun Jan 13, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3770

Re: Brake fluid replacement?

Well since that 2003 Honda presumably recommends periodic oil changes, and possibly no brake fluid changes, I'd say Nissanzx1 is doing fine to at least replenish the majority of the brake fluid rather than no service at all. Per a Google search " according to a report by the National Highway Traffi...
by F150HD
Sun Jan 13, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3770

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by F150HD
Sun Jan 13, 2019 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

fposte I appreciate the reply, but can one really get around the RMDs ? I would hope to, but part of me feels that they won't be inescapable being its an employer based plan (and not a Roth IRA, which is non-employer based) Yes, one can roll over an employer-based retirement plan into an IRA, usual...
by F150HD
Sun Jan 13, 2019 11:48 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Just to clarify.... One gets lulled into 'no RMDs for a Roth' (for the owner of a Roth IRA) but if I am reading correctly this does not apply to an employer based Roth 457b. An employer based Roth 457b does have an RMD requirement at 70.5. So at age 70 (or at 'retirement') can one then just roll th...
by F150HD
Sun Jan 13, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house at the peak of the market
Replies: 7
Views: 962

Re: Buying a house at the peak of the market

have been wondering the same as looking to move (currently own)

Its interesting to see the asking price for homes that are clearly not worth the asking price. Someone bought it then 'painted 3 rooms', then jacked the price up $50k and attempts to flip it. :confused
by F150HD
Sun Jan 13, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3770

Re: Brake fluid replacement?

I have a 2003 Honda with 277K. I service it myself and about every 2 years I use a turkey baster to suck out the old fluid from resoivoir and I replace it wil new clean fluid up to the Fill line. It's costs $2 and works great for me. Good Luck. When you change your oil (assuming 4 quarts), do you d...
by F150HD
Sat Jan 12, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: Leave negative eBay feedback for item not received?
Replies: 7
Views: 602

Re: Leave negative eBay feedback for item not received?

similar issue last year on an item- sellers ad stated very explicitly they dropship w/in 24 hours, once I ordered, the item wasn't shipped for at least 5-6 days. Normally not an issue but it was an item I needed for a trip. It arrived over a week after I left. Seller was an arse about it. I didn't l...
by F150HD
Sat Jan 12, 2019 5:43 pm
Forum: Personal Consumer Issues
Topic: Brake fluid replacement?
Replies: 68
Views: 3770

Re: Brake fluid replacement?

To all who have generously responded. Very helpful ... thank you. I am following the manufacturer's recommendations (not dealership, which hasn't ever suggested anything different). For $130 every 30k miles I think I'll play it conservative (like our asset allocation, haha) and get it done as I hav...
by F150HD
Sat Jan 12, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9532

Re: Did you ever "win" big?

Investing solely in index funds hoping to get the market return and then maybe when you're in your sixties or seventies you can do the things I mentioned above, doesn't interest me. I want control over my life and not be at the whims of the economy or stock market. It may interest you but that's th...
by F150HD
Sat Jan 12, 2019 5:21 pm
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9532

Re: Did you ever "win" big?

PALM was a great phone, I loved it, so tiny, absolutely awesome... You probably had the Palm Treo. I had the original Palm Pilot 1000, and virtually every PDA and phone iteration after (including the WebOS Pre). Even though I lost my shirt on the Palm stock, I still "won big" as I ended up marrying...
by F150HD
Sat Jan 12, 2019 11:57 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 654

Re: E-Trade or Charles Schwab

maybe I missed it, are you actively day-trading? Not a fan of the Schwab website if you are trading. To me, it feels more like a site designed for folks who want someone else to manage their money (which is fine if that's what one wants). 1/3 of Schwabs revenue comes from managing other peoples mone...
by F150HD
Sat Jan 12, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9532

Re: Did you ever "win" big?

As a fledgling investor in the late 90's, I bought Munder NetNet Fund, and it tripled over the next year. I cashed out just before it's historic decline. Thinking I was an investing genius, I put all my earnings into the PALM IPO. Years later I finally learned the difference between investing and s...
by F150HD
Sat Jan 12, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9532

Re: Did you ever "win" big?

Yes. 40 years I met my wife, married her 38 years ago. Most who "won big" on a stock lost more on other stocks. I sold Amazon at $20 after years and years of waiting. That showed me to never invest in individual stocks again. Ouch. There is a thread here of someone who bought Netflix waaaay back wh...
by F150HD
Sat Jan 12, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

Just to clarify.... One gets lulled into 'no RMDs for a Roth' (for the owner of a Roth IRA) but if I am reading correctly this does not apply to an employer based Roth 457b. An employer based Roth 457b does have an RMD requirement at 70.5. So at age 70 (or at 'retirement') can one then just roll the...
by F150HD
Sat Jan 12, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

SO, I am dumping a few extra dollars into a 457 I found out I could access last year. Employer offers a pre-tax version AND a Roth version. So far I was just using the pre-tax version, but now am considering switching all future contributions to the Roth version . My question is - will the custodia...
by F150HD
Fri Jan 11, 2019 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

You should call 457 office and ask why your online account doesn't show 2 separate accounts, assuming that you've now made Roth 457 contributions. If you have made both traditional and Roth 457 contributions, I think you can be certain they are (or will be) in separate accounts within your 457 acco...
by F150HD
Fri Jan 11, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 8458

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

In 50 years you probably will probably not find a blu-ray player to play the disc. On top of that you will probably not find the application to read the data. If you had a VisiCalc spreadsheet or an Apple Writer document in your hands today could you access the data? Not so sure... +1 Someone at wo...
by F150HD
Fri Jan 11, 2019 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

457 question- SO, I am dumping a few extra dollars into a 457 I found out I could access last year. Employer offers a pre-tax version AND a Roth version. So far I was just using the pre-tax version, but now am considering switching all future contributions to the Roth version . My question is - wil...
by F150HD
Fri Jan 11, 2019 11:05 am
Forum: Personal Finance (Not Investing)
Topic: 457 vs 403b
Replies: 120
Views: 7393

Re: 457 vs 403b

457 question- SO, I am dumping a few extra dollars into a 457 I found out I could access last year. Employer offers a pre-tax version AND a Roth version. So far I was just using the pre-tax version, but now am considering switching all future contributions to the Roth version . My question is - will...
by F150HD
Thu Jan 10, 2019 6:41 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 982

Re: Good quality wireless headphones

huge thread on this exact topic just a few months ago. forum search is your friend
by F150HD
Thu Jan 10, 2019 6:35 am
Forum: Personal Consumer Issues
Topic: Discounted Postage Stamps
Replies: 25
Views: 2031

Re: Discounted Postage Stamps

I found some old $0.32 stamps cleaning the house, they are still good. My issue is, they kinda look like the new 'Forever stamps', but they are not. My fear is I'll use one by mistake someday and the letter will be sent back to me, something that really needed delivery (like a bill I can't pay onlin...
by F150HD
Tue Jan 08, 2019 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Negative 13.6% return in 401K for 2018
Replies: 55
Views: 5632

Re: Negative 13.6% return in 401K for 2018

OP - maybe list the funds available to you, it might yield positive suggestions on where to put your $$.
by F150HD
Tue Jan 08, 2019 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: 8 year old investing help
Replies: 36
Views: 2753

Re: 8 year old investing help

double post
by F150HD
Tue Jan 08, 2019 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: 8 year old investing help
Replies: 36
Views: 2753

Re: 8 year old investing help

My kid's elementary school has teamed up with a local bank and they have banking day; day for kids to bring in any amount of money in a banking envelope, and deposit it at school with a banking representative. It's a good way to get them thinking about saving. If this isn't offered at your child's ...
by F150HD
Tue Jan 08, 2019 2:26 pm
Forum: Personal Consumer Issues
Topic: Paying "cash" for auto - possibly w regular credit card?
Replies: 51
Views: 3591

Re: Paying "cash" for auto - possibly w regular credit card?

For paying at “cash” at auto dealer -- has anyone used a regular credit card and then paid it same cycle? It would give credit card rewards, not sure though about any extra purchase protections. I suppose bank check is more common method. wondering if anyone has used a credit card or a smarter stra...
by F150HD
Mon Jan 07, 2019 11:12 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 66
Views: 4485

Re: Reasons to own Vanguard ETFs over Admiral shares?

Earl Lemongrab wrote:
Mon Jan 07, 2019 2:26 pm
Got to be 50 threads on this exact topic.
51 actually :/

Kinda makes ya crave a good Bitcoin thread.
by F150HD
Sun Jan 06, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: Windows 10 / Office 2019 headache
Replies: 24
Views: 1576

Re: Windows 10 / Office 2019 headache

I have Win 10 and Office 2007. I had to open a docx file the other day and it 'tried' to get me to buy the 'new' Office, which I don't need. As I 'own' Office 2007 I don't need to buy a license for it over and over (as it appears you have to?) I manually started my Office 2007 then all was fine. I w...
by F150HD
Sun Jan 06, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: All the Vanguard funds I wanted are closed to new investors :(
Replies: 15
Views: 2535

Re: All the Vanguard funds I wanted are closed to new investors :(

as you listed NAESX.....search the forum for 'small cap value', it may be of interest to you, esp if you're young.
by F150HD
Sun Jan 06, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 258
Views: 20182

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Discover card $250.00 All other credit cards $463.00 City Furniture -684 Chase Slate -4804.91 Barclay Card -1845.77 Amex -996.18 Citi Double Cash -4083.12 Discover Credit Card -13662.36 Amaz CC -3044.41 Chase Freedom -4309.62 BankAmericard -5196.83 If it were me, the very first thing I'd do TODAY ,...
by F150HD
Sat Jan 05, 2019 6:47 pm
Forum: Investing - Theory, News & General
Topic: Confessions of a broke financial advisor
Replies: 5
Views: 2103

Confessions of a broke financial advisor

This is unsettling to say the least, and he worked for Schwab. :shock: https://finance.yahoo.com/news/confessions-broke-financial-advisor-213008745.html You may think that financial advisors don’t stress about their own finances, but according to one financial services professional, John R. Schneide...
by F150HD
Fri Jan 04, 2019 10:44 pm
Forum: Personal Consumer Issues
Topic: TV antennas...
Replies: 35
Views: 2624

Re: TV antennas...

It's a shame nothing is built in the USA anymore.

I just bought a new TV and on the back it says 'Built in Antenna'.

I don't even know where that is.

:confused
by F150HD
Fri Jan 04, 2019 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a 403(b)?
Replies: 24
Views: 963

Re: Should I open a 403(b)?

Using that link I looked up your Fidelity options. It states there's a $24 custodial fee (click below the $88 number) https://www.403bcompare.com/vendors/1133#/productlist https://www.403bcompare.com/products/68#/investmentoptions It appears these are available options, which is great for you. Many...
by F150HD
Thu Jan 03, 2019 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 2458

Re: Fidelity Small-cap value fund

To avoid the $75 fee in fido brokeragelink : On the summary tab --> click on goto automatic investments --> put in your ticker and allocate the %age you want invested. This will bypass the $75 fee (it does for me, YMMV). If you manually purchase the fund (i.e. without going through automatic invest...
by F150HD
Thu Jan 03, 2019 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value - move money out of VSIAX?
Replies: 13
Views: 1403

Re: Small Cap Value - move money out of VSIAX?

I'm confused... why are Vanguards small cap funds, specifically VSMAX and VSIAX, considered bad or not as good as the other options? Thanks some consider VSIAX to have too many mid-cap sized companies I believe, and not enough small-cap companies. At least that was my take. Then throw in cost and t...
by F150HD
Thu Jan 03, 2019 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 145
Views: 10794

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

I faced the same issues after my PhD graduation. It was about 4 months when I submitted jobs daily before I got my current job. My tips are to have a good review of his resume, and network more. Sadly, the industry now is that having a referral will be of a big help in getting to the point of inter...
by F150HD
Thu Jan 03, 2019 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6597

Re: Autistic sister being targeted by Nigerian scammers

" When confronted with obvious evidence that this is a scam (e.g., news articles, videos about Nigerian scam groups, etc.), she has temper tantrums and meltdowns. "
As a start, cut off any and all digital access she has, period. If she blows up, so be it.