Search found 591 matches

by BHUser27
Sun Oct 15, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1417

Re: HSA investment [use guaranteed 4% or use equities]

I disagree. Roth accounts and HSAs should be filled with equities, with bonds being in tax-deferred or taxable (with municipals). Due to the tax-free growth and tax-free withdrawals (without RMDs), we want those accounts to be the largest. Only if you have filled your tax-deferred and taxable space...
by BHUser27
Sun Oct 15, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2909

Re: Antivirus Software Recommendations

If you are an Ally bank customer you can get Webroot SecureAnywhere for free. I have it on my Macbook Air & Windows 10 PC and am very happy with it so far. appears it has no firewall, have you configured your devices for that? from reading it doesn't seem like a 'complete' solution and one would ha...
by BHUser27
Sat Oct 14, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2909

Re: Antivirus Software Recommendations

If you are an Ally bank customer you can get Webroot SecureAnywhere for free. I have it on my Macbook Air & Windows 10 PC and am very happy with it so far.
by BHUser27
Sat Oct 14, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment [use guaranteed 4% or use equities]
Replies: 22
Views: 1417

Re: HSA investment [use guaranteed 4% or use equities]

Hello OP - The answer to your question depends on many variables. You will get better responses if you provide all the information suggested in this guideline... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 In general, I would have a hard time passing up a guaranteed 4% annual return th...
by BHUser27
Fri Oct 13, 2017 4:24 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 956

Re: Reverse Osmosis Systems for Kitchen Sink

For those that want to read some actual science on this, here are two articles. This is from the US National Library of Medicine National Institutes of Health... https://www.ncbi.nlm.nih.gov/pmc/articles/PMC4223198/ This is the actual World Health Org study referenced above... http://www.who.int/wat...
by BHUser27
Sat Oct 07, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: CC online purchase at BestBuy denied - related to recent credit freeze?
Replies: 22
Views: 1262

Re: CC online purchase at BestBuy denied - related to recent credit freeze?

I agree with others. This likely has nothing to do with your credit freeze. I had this happen a few times before I ever froze my credit. Personally I would rather have to deal with a few false alerts than have them miss a real one. Best Buy recently had a problem with account hacking so some of the ...
by BHUser27
Tue Oct 03, 2017 6:43 am
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4123

Re: So... What bond fund or bond-like instrument do you use?

Non-equities are a mix of Stable Value in 401k, Vanguard Intermediate Tax Exempt (VWIUX) in taxable, and a few 5-yr CDs
by BHUser27
Mon Oct 02, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Reach out to hiring manager directly on LinkedIn?
Replies: 52
Views: 2948

Re: Reach out to hiring manager directly on LinkedIn?

Is it acceptable to reach out to the hiring manager on LinkedIn directly? I feel I have nothing left to lose at this point, and "fortune favors the bold." I have had good luck reaching out to the recruiter and/or HR manager (this usually at least gets my LinkedIn profile looked at). I would not rea...
by BHUser27
Mon Oct 02, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1198

Re: Looking for advice on an automotive paint job.

I've had 2 vehicles painted by Maaco and 1 by Earl Scheib.
All were terrible paint jobs, but I knew what I was getting and it was all I could afford at the time.
"You get what you pay for" holds true for auto paint IMO.
by BHUser27
Sat Sep 30, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 14646

Re: Why do you LBYM? Why do you save and invest?

Folks, It is easier and normal if you live in a society that saves a lot of their income. The average gross saving rate for American at almost all income level is about 0%. But, somehow there are people like Bogleheads that do not behave like average American and save and invest a lot more. This is...
by BHUser27
Sat Sep 30, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 18327

Re: What age did you become debt free and what opportunities did it create?

Became debt free at age 51 (3 yrs ago) Redirected 100% of loan payments to savings as I paid off each debt Bumped up my emergency reserve a little bit as I was expecting to change careers Benefits? Peace of mind and confidence in retirement plan have drastically increased Was able to take a few mont...
by BHUser27
Fri Sep 29, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 6432

Re: I am in the investment advice industry and I'm not sure if I provide any value

tfb wrote:
Fri Sep 29, 2017 10:20 am
BHUser27 wrote:
Fri Sep 29, 2017 9:48 am
<snip> I leave feeling like the FA is trying to make everything seem confusing and difficult to push me toward their AUM services.
You need to find advisors who don't manage money at all. So there won't be any pushing.
Where do I find said advisors?
Thanks.
by BHUser27
Fri Sep 29, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: I am in the investment advice industry and I'm not sure if I provide any value
Replies: 67
Views: 6432

Re: I am in the investment advice industry and I'm not sure if I provide any value

I can only answer OP from my personal perspective... Background: I am a DIY investor, Boglehead and have (almost) zero education in financial management/investment, etc. After speaking with several FAs and even paying a fixed-fee for a retirement plan under fiduciary contract, I have come to realize...
by BHUser27
Fri Sep 29, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Health savings account
Replies: 7
Views: 623

Re: Health savings account

If free to choose anyone, I would start by looking at Vanguard. https://personal.vanguard.com/us/whatweoffer/overview/healthsavings You know you would have access to the (near) lowest cost funds. I can't say "always lowest cost" because others will undercut on certain index funds. Vanguard does not...
by BHUser27
Tue Sep 26, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bad 401(k) fund choices
Replies: 18
Views: 1063

Re: Help with bad 401(k) fund choices

OP -
Please clarify what you mean by "401(k) with a Roth Component".
"Roth 401(k)" and "Roth IRA" are not exactly the same things.

Are you contributing $5500 to a Roth 401(k) or a Roth IRA?
by BHUser27
Mon Sep 25, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3136

Re: Social Security Question

The general consensus seems to be against taking the lump sum. Here are a few articles that might help... http://www.uniondemocrat.com/business/5327727-151/taking-social-security-lump-sum-will-lower-future?referrer=section https://www.forbes.com/sites/kotlikoff/2015/05/27/dont-let-social-security-cu...
by BHUser27
Mon Sep 25, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 317
Views: 51698

Re: Any books really change your outlook on life?

(Anything by Dr. Seuss)
"Illusions" - Richard Bach
"Hitchhiker's Guide to the Galaxy" - Douglas Adams
"The Heart of Philosophy" - Jacob Needleman
"The Diary of a Young Girl" - Anne Frank
"A New Earth" - Eckhart Tolle
"Tesla: Man Out of Time" - Margaret Cheney
"Einstein's Universe" - Nigel Calder
by BHUser27
Mon Sep 25, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8399

Re: Where do you get your news?

NPR (radio) on drive to/from work
Thu and Sun newspaper
I do not regularly watch any news programs on TV
I check weather at National Weather Service (NWS) website using my phone
by BHUser27
Sat Sep 23, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Management career job search
Replies: 8
Views: 865

Re: Management career job search

What kind of management? Regarding job search, get your LinkedIn profile right first. There is a ton of free guidance online about LinkedIn profile do's and don'ts. Connect with your 'network' and let them know you are looking. I recently returned to work after a short break and had best success rea...
by BHUser27
Mon Sep 18, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3268

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

As far as buying the '17 CR-V EX-L goes, I would strongly recommend you consider the Touring model if smooth/quiet ride and superior audio system are important to you. We are also interested in the CRV, do you have any idea what is different on the Touring model that makes it smoother and quieter t...
by BHUser27
Mon Sep 18, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3390

Re: How much do you spend on "entertainment"?

<snip>Hobbies are entertainment too, but I believe they have a bigger ROI compared to something like drinking. We spend ~$300 to $600/mo on wine. Still probably less than most people spend going out for drinks once you divide it up though In our case (pun intended), wine *is* also a hobby, so the R...
by BHUser27
Mon Sep 18, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on "entertainment"?
Replies: 50
Views: 3390

Re: How much do you spend on "entertainment"?

I'm not sure this is going to be meaningful without knowing how old I am, how much I have already saved for retirement, and what my annual income is... We (3 adults) consume one bottle of wine per night (on avg). We spend ~$300 to $600/mo on wine. Not sure what else you classify as "entertainment".....
by BHUser27
Mon Sep 18, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: 2018 Outback Limited vs. 2017 CR-V EX-L
Replies: 48
Views: 3268

Re: 2018 Outback Limited vs. 2017 CR-V EX-L

For what its worth, we used to own a 1999 Subaru Outback Limited. We also used to own a 2010 CR-V EX. We currently own a 2013 CR-V EX-L and a 2017 CR-V Touring. We mainly stick with CR-V's because we get excellent family discounts on Hondas (three family members sell Hondas locally) I always felt th...
by BHUser27
Mon Sep 18, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1595

Re: Color printer suggestions: high quality output, low cost of ink

I have a Brother HL-3180CDW wireless color laser printer with built-in scanner & double-sided printing (about 2 yrs old) and am extremely happy with it. Prior to this laser printer, I owned several HP Inkjet printers (last one was a photosmart all-in-one.) I got tired of high cost of ink, high rate ...
by BHUser27
Mon Sep 18, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Where to park $200K cash?
Replies: 27
Views: 3735

Re: Where to park $200K cash?

I read somewhere that some CDs come with a penalty where you still make more money than 1 year CD It is like investing in a 5 year CD but you withdraw in 1 year pay penalty but you are better than investing in 1 year CD in the first place The 11-month "no penalty" CD at Ally that Kevin M mentioned ...
by BHUser27
Sat Sep 16, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: saving an edited pdf file?
Replies: 14
Views: 697

Re: saving an edited pdf file?

OP - 'Print to File' is not what we are talking about above. A 'Print to PDF' type print driver definitely will work. What operating system is your computer using? Windows 7, 8, 10, etc? or Mac OS X? Other? Tell us and I will give you exact instructions on how to save your filled out form to a file.
by BHUser27
Sat Sep 16, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: saving an edited pdf file?
Replies: 14
Views: 697

Re: saving an edited pdf file?

For Windows you can get a "print to PDF" driver that shows up as a printer option when you go to print. It creates a PDF file instead of going to a printer. This works for *any* program that can print to a printer. Just select "Print to PDF" instead of your current printer for output. On Mac it is a...
by BHUser27
Wed Sep 13, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Take Pay cut close to retirement for sanity purposes?
Replies: 17
Views: 1900

Re: Take Pay cut close to retirement for sanity purposes?

I figure I am about 7-8 years away from retirement. However, I am dreading my job more and more despite the good pay. The travel, the tedium, the direction of the company. I am in relatively good shape overall, just wondering if anyone has taken a substantial paycut close to retirement to increase ...
by BHUser27
Wed Sep 13, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Herd mentality
Replies: 40
Views: 2106

Re: Herd mentality

People who can accurately calculate their investing returns over a long period of time are about as numerous as those who can with any degree of accuracy calculate how many calories they are eating on a daily basis over many years. Which is to say, not many. This^^^ People who can accurately state ...
by BHUser27
Wed Sep 13, 2017 9:26 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4304

Re: How often do you put money in Vanguard

I contribute max to his/hers Roth IRA's at VG once a year via backdoor.
I rarely add money to our VG taxable account.

FWIW, I direct-deposit from every paycheck into Savings, HSA & 401k (none at VG).
by BHUser27
Wed Sep 13, 2017 9:16 am
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

That the limit of the Fibonacci series ends up as the solution to a certain polynomial equation that originates in a simple geometric construction is indeed an amazing coincidence (if it is one -- there are articles on the subject). I'm splitting hairs, but I don't like your use of the phrase "orig...
by BHUser27
Tue Sep 12, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: Golden Ratio (also in Bogleheads logo) Fibonacci
Replies: 27
Views: 2665

Re: Golden Ratio (also in Bogleheads logo) Fibonacci

Nothing special about Fibo & the Golden Ratio.
"Finding" it in nature is just back-forcing data to support wishful thinking.
Even more-so the bunk in that investopedia article.
Same thing can be done with many other ratios.... and conspiracy theories.
(in my opinion)
by BHUser27
Tue Sep 12, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Boglehead tax efficiency
Replies: 4
Views: 517

Re: Pre-Boglehead tax efficiency

What livesoft said.
Also, this...
https://www.bogleheads.org/wiki/Tax-eff ... _placement

In a nutshell, use your tax-advantaged accounts for inefficient funds. Put efficient ones in your taxable account.
It's all in the linked wiki above. Tax bracket matters.
by BHUser27
Tue Sep 12, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

mmmodem wrote:
Mon Sep 11, 2017 7:49 pm
<snip>As long as you have a voice, you can access Alexa.
Fixxored -> "As long as you have a voice and electricity and an active internet connection, you can access Alexa.
by BHUser27
Tue Sep 12, 2017 6:56 am
Forum: Personal Finance (Not Investing)
Topic: Will you get to see business financial data by being an accountant?
Replies: 18
Views: 1462

Re: Will you get to see business financial data by being an accountant?

OP, it is not clear to me whether you want to work for a business and have access to that one business's financial data or if you are asking how you get financial data about a large number of businesses for comparison and analysis. Which is it? Any public company will post its financial reports to t...
by BHUser27
Mon Sep 11, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: China to ban petrol cars
Replies: 64
Views: 4695

Re: China to ban petrol cars

Interesting. I didn't know Volvo was owned by a Chinese Holding company (since 2010). Their announcement to go all electric makes more sense now. Chinese-owned carmaker Volvo said in July that all its new car models would have an electric motor from 2019. Geely Holding, Volvo's Chinese owner, aims t...
by BHUser27
Mon Sep 11, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7281

Re: Equifax - credit freeze is now free?

BHUser, thanks for the heads up about TrueIdentity. Anyone know what their business model is? Why is TransUnion offering this for free when the other credit bureaus have (at least traditionally) been charging for freezes? See this post and associated links... https://www.bogleheads.org/forum/viewto...
by BHUser27
Mon Sep 11, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24266

Re: Name something you had to have and now you regret purchasing it?

I already posted, but here are a few more.... - Amazon Echo Dot (novelty wore off and doesn't work with our high-end Lennox internet thermostat). - Permanent steel siding (shoddy install, overpriced and the dutch-lap profile doesn't look good on our house). - My '13 CR-V EXL (DW got a '17 Touring mo...
by BHUser27
Mon Sep 11, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3979

Re: TrueIdentity from TransUnion - free credit freeze and protection?

Thanks; so is your understanding of TrueIdentity lock feature that it's the same as , perhaps credit freeze with exception of insurance-related inquiries? Is the only downside the potential for extra junk mail? (and as I mentioned in the OP, plenty of upsides...) Good questions. I am not an expert ...
by BHUser27
Mon Sep 11, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7281

Re: Equifax - credit freeze is now free?

I don't pay a fee in NJ. But I wonder if they adjusted the terms absconding themselves from liability due to the breach. I didn't read them closely. I think the terms in question were associated with signing up for the free year of "TrustedID Premier" credit monitoring. I don't think the terms ever...
by BHUser27
Mon Sep 11, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: TrueIdentity from TransUnion - free credit freeze and protection?
Replies: 23
Views: 3979

Re: TrueIdentity from TransUnion - free credit freeze and protection?

The "free" version of TrueIdentity only allows control/monitoring of your TransUnion report. You can add Equifax & Experian at a cost.

I posted a bit about TrueIdentity here...
viewtopic.php?f=11&t=227416&newpost=352 ... d#p3527858
by BHUser27
Mon Sep 11, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7281

Re: Equifax - credit freeze is now free?

Since the hackers already have all of my information, they don't need to look at it to steal my identity (it's already stolen) and so can still go ahead use my "locked" TU credit report to open up accounts in my name. The point isn't to keep hackers from looking at your report, it is to keep them f...
by BHUser27
Mon Sep 11, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7281

Re: Equifax - credit freeze is now free?

Did you freeze with all agencies? If so, I'm curious to know what benefit you see Trueidentity providing? (Too be clear - I'm not being sarcastic - I have heard people suggest "Freeze all credit" and "Sign up for monitoring" but fail to see the value in the latter if I have done the former...maybe ...
by BHUser27
Mon Sep 11, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7281

Re: Equifax - credit freeze is now free?

I haven't seen this discussed in any of the Equifax/freeze discussions... I just signed up for the FREE "TrueIdentity" service offered by TransUnion. This allows me to set up email & text alerts for any TransUnion inquiries, as well as Lock/Unlock access to my TU reports at will. It didn't cost me a...
by BHUser27
Mon Sep 11, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: PurePoint Savings 1.30% Reviews
Replies: 2
Views: 340

Re: PurePoint Savings 1.30% Reviews

RDHlooking4FIRE wrote:
Mon Sep 11, 2017 11:09 am
I am looking for reviews on PurePoint savings account.
34 reviews here...
https://www.depositaccounts.com/banks/p ... ml#reviews
by BHUser27
Mon Sep 11, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4916

Re: Do I need an Amazon Echo??.....

I'm guessing you don't have infants or toddlers in your house right now. The ability to do even the simplest things while leaving your hands free to manage little ones is really helpful. This might be true, but an Amazon Echo all by itself doesn't go very far towards solving this problem (IMO). If ...
by BHUser27
Mon Sep 11, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Beneficiaries & Access to Joint Account
Replies: 7
Views: 672

Re: Vanguard Beneficiaries & Access to Joint Account

My experience is with the *brokerage* type account (not the old mutual-fund-only style account). We have a joint brokerage account set up as " joint tenancy with right of survivorship". There is one login for the joint brokerage account. We also each have Roth IRAs with separate logins. We had to se...
by BHUser27
Fri Sep 08, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.
Replies: 26
Views: 2711

Re: Instead of a credit freeze, I want to receive a phone call before credit is opened in my name.

I keep a minimal (free) account set up on Mint.com Mint sends me an alert any time a credit inquiry is made and/or any time a new account is opened. I am not sure if they monitor all of the big-three credit reporting agencies. EDIT: looks they do monitor all three... (from Mint.com) Early detection ...