Search found 1848 matches

by F150HD
Tue Jan 22, 2019 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Rethinking the bond percentage.
Replies: 20
Views: 1143

Re: Rethinking the bond percentage.

"The Bond Percentage"....good movie.

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by F150HD
Mon Jan 21, 2019 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: purchasing a home and wondering if we have a good deal
Replies: 15
Views: 1461

Re: purchasing a home and wondering if we have a good deal

why not take out a piggyback loan for 20% and avoid the PMI.
by F150HD
Mon Jan 21, 2019 4:03 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2355

Re: House For Sale By Owner - Suggestions Welcome

FBook market place seems tacky to me personally. If this home is really as 'high end' as stated, I dunno, to me that would diminish its value (though I could be wrong). I guess it would at least get exposure that way. Of course you'd have to ensure your target audience is the type to scan FB for hom...
by F150HD
Mon Jan 21, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6278

Re: Paying thousands per ticket to attend the NFL Super Bowl?

Would you (or have you) paid thousands per ticket to attend the NFL Super Bowl game? Share your thoughts and/or experiences if was worth it. you should change first post to address people who actually LIKE and follow football, else you get some opinions (mostly negative) of people who don't follow ...
by F150HD
Mon Jan 21, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 16
Views: 1125

Re: Student Loans

.... My CPA has been trying to shift things around to make it look like I'm making less than I am for my company to keep my payments low ...
?
by F150HD
Sun Jan 20, 2019 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401(k) to Roth IRA conversion - confused about tax treatment
Replies: 22
Views: 1061

Re: [Roth conversion - confused between pre-tax and post-tax money]

So, you have ($1000 + $100) pre-tax and its earning + ($200 + $20) after-tax and its earnings. Now, as you said, you would like to rollover ONLY the after-tax portion. But the rules require that the earnings associated with those after-tax contributions must also be withdrawn along with the contrib...
by F150HD
Sun Jan 20, 2019 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to roll over my old 401k. Which IRA should I choose?
Replies: 14
Views: 769

Re: Looking to roll over my old 401k. Which IRA should I choose?

Please check with your current employer's 401k plan if they would allow an incoming rollover of funds from your previous empliyer's plan. Apart from complicating the process for a future backdoor Roth (you may not need it now or in the near future with your salary, but rest assured the day would co...
by F150HD
Sat Jan 19, 2019 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 21
Views: 1314

Re: Newbie needing some advice - which other Vanguard funds

Hi, To start it off, please forgive me if this is a stupid question or topic . Am new to this whole investment scheme and trying to work it out. We have invested so far in VTSAX (80%) and VBTLX(20%) . I have automated transaction setup to buy VTSAX every week . However, question is should I continu...
by F150HD
Sat Jan 19, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Ford F-series pickup with 4x4 and 4 doors?
Replies: 31
Views: 2083

Re: Ford F-series pickup with 4x4 and 4 doors?

I'm looking for input on getting a Ford 4WD pickup, crew cab, short bed, probably 2014 or 2015. Any comments that push to other years? BTW, this is second vehicle, the primary is a Jeep Grand Cherokee Summit edition, so I'm looking for something to keep up with that in off road performance. 2015 wi...
by F150HD
Fri Jan 18, 2019 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA - RMD
Replies: 19
Views: 1371

Re: Inherited IRA - RMD

If you are holding ETFs in your account keep in mind if you need to sell shares to do a withdrawal to satisfy the RMD, it takes a few days for the $$ to settle, so if you wait too long at the end of December, the $$ might not be available to be withdrawn. Not that you'll wait that long but....give a...
by F150HD
Fri Jan 18, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: How to set android phone to send phone solicitors directly to voice mail.
Replies: 27
Views: 1726

Re: How to set android phone to send phone solicitors directly to voice mail.

In your call log, press and hold the number you wish to block, a menu should up up w/ options...on my current phone (most recent version of Android) one option is 'block number'. On my older Android phone one option was "Add to Autoreject List". https://images.spyzie.com/article/2017/11/view-call-hi...
by F150HD
Fri Jan 18, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 108
Views: 9576

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Looking at ABB over the past few months, fees only seem even higher then when I started this thread! Ran across this.....kinda creepy. This Airbnb Spying Nightmare Is a Reminder That Staying in Strangers' Homes Is Still Creepy Jeffrey Bigham and his family were about a day into their holiday stay at...
by F150HD
Thu Jan 17, 2019 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Ever encountered a toxic advisor? How did you handle it?
Replies: 25
Views: 3058

Re: Ever encountered a toxic advisor? How did you handle it?

While attending my nephew's wedding and reception a financial advisor and his wife were seated at my table and he sat next to me. He came on with a hard sell attack at every chance. He claimed to be worth millions. During the evening I complained to my sister about the seating arrangement and how h...
by F150HD
Thu Jan 17, 2019 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: 100% in VTSAX - Is it crazy???
Replies: 82
Views: 7947

Re: 100% in VTSAX - Is it crazy???

not crazy to me. by the time you retire, formal SS retirement age will prob bump even further out then it is now, so, you may be working longer anyway (I plan to).
by F150HD
Thu Jan 17, 2019 5:08 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 118
Views: 10481

Re: Tributes to Jack Bogle

"Don't look for the needle in the haystack. Just buy the haystack."

RIP Mr. Bogle
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: 22
Views: 1387

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: 7570

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: 7570

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: 7570

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: 7570

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: 7570

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: 852
Views: 44888

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: 7570

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: 7570

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: 763

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: 763

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: 43
Views: 2340

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: 69
Views: 3980

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: 69
Views: 3980

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: 7570

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: 7570

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: 978

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: 69
Views: 3980

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: 619

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: 69
Views: 3980

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: 9614

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: 9614

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: 667

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: 9614

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: 9614

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: 7570

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: 7570

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: 7570

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: 8499

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: 7570

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: 7570

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: 1093

Re: Good quality wireless headphones

huge thread on this exact topic just a few months ago. forum search is your friend