Search found 60 matches

by Scott311
Mon Apr 02, 2018 2:34 pm
Forum: Personal Investments
Topic: 403(b) / 457(b) Selection and Vendor Advice
Replies: 21
Views: 2060

Re: 403(b) / 457(b) Selection and Vendor Advice

Hi Jason, As of two or so years ago PlanMember had a self-directed account with Vanguard Admiral shares available. The yearly maintenance fee is 0.35% I believe. I enrolled my wife by applying for the account directly with PlanMember, bypassing the third-party administrator (TSA Consulting Group) an...
by Scott311
Tue Jan 23, 2018 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 13163

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

This is still a valid link, just purchased the Deluxe + State version!
by Scott311
Tue Oct 24, 2017 2:52 pm
Forum: Personal Investments
Topic: Complicated Portfolio Simplification
Replies: 4
Views: 774

Re: Complicated Portfolio Simplification

Thanks for the replies. I think I'm going to sit on it for awhile until I build up more funds within my 457 then I will sell off the ETFs and rebuild a 3-fund portfolio utilizing Fidelity mutual funds within the brokerage account inside of my 457 plan.
by Scott311
Mon Oct 23, 2017 5:47 pm
Forum: Personal Investments
Topic: Complicated Portfolio Simplification
Replies: 4
Views: 774

Re: Complicated Portfolio Simplification

I get it, diversification is definitely in the “cons” column. The two funds I am using are the best available and as I said, I will be adding international back in when my 457 balance allows. I could also add an extended index I suppose.
by Scott311
Mon Oct 23, 2017 2:30 pm
Forum: Personal Investments
Topic: Complicated Portfolio Simplification
Replies: 4
Views: 774

Complicated Portfolio Simplification

Greeting Bogleheads, It's been awhile since I've needed to post, everything's been great thanks to the community here. Part of my investing strategy involved a TD Ameritrade brokerage account that relied on Vanguard ETF's. Since Vanguard ETFs are no longer going to be commission free, It's got me th...
by Scott311
Thu May 04, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: LTD vs SSDI...what to do?
Replies: 5
Views: 612

Re: LTD vs SSDI...what to do?

Many employer-provided LTD income plans require you to apply for SSDI - they would run concurrently but the LTD benefit will likely be reduced by any SSDI benefits. Thanks, I read about this shortly after posting. I"ve got them looking into LTD now. I will also tell them to look into whether t...
by Scott311
Thu May 04, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: LTD vs SSDI...what to do?
Replies: 5
Views: 612

LTD vs SSDI...what to do?

Hi Bogleheads, My dad was diagnosed with terminal cancer back in Dec. I believe he is currently on short term disability until June. I've come to find out that my parents have filed for social security disability in hoped to transition to that once STD is up. I believe my father's employer offers lo...
by Scott311
Fri Feb 10, 2017 2:41 pm
Forum: Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 2570

Re: What to do with all this rollover money

I need all the input I can get please. Keep in mind that I need quick returns and that I do understand everything is a gamble but I am willing to take risks for I know if all else fails, I will have Government pensions and equity from my house to fall back on. I won't starve. What, exactly, are you...
by Scott311
Tue Feb 07, 2017 9:28 am
Forum: Personal Investments
Topic: 403(b) - Choosing a vendor - Need advice
Replies: 21
Views: 2594

Re: 403(b) - Choosing a vendor - Need advice

Rollover, you are in the same position as my DW and I were last April. Her "adviser" could tell we did our homework and submitted much easier though :) It was pretty much the same , he just emailed me the PlanMember Direct application and we filled it out and mailed it in ourselves. FYI Pl...
by Scott311
Tue Feb 07, 2017 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 931

Re: Independent Contracting/Side Work

Thanks for the input. I'll need to purchase specific software for this work, can I write that off under this scenario?
by Scott311
Mon Feb 06, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Independent Contracting/Side Work
Replies: 5
Views: 931

Independent Contracting/Side Work

I was recently offered to start doing some side work for a consulting company. Best case scenario at this point in time, I think it could amount to maybe a couple thousand dollars a year if it comes to fruition. Looking for some advice on how best to get started. Whats the best way to handle taxes i...
by Scott311
Thu Jan 19, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: PSA about Ford Stockholder's Benefit
Replies: 5
Views: 8397

Re: PSA about Ford Stockholder's Benefit

Thanks! I was literally just searching for info on this! Can you post phone # or email that you used to contact Ford and/or submit your info?
by Scott311
Thu Dec 22, 2016 10:37 am
Forum: Personal Investments
Topic: What would you do question regarding my 457 plan
Replies: 3
Views: 473

What would you do question regarding my 457 plan

Hello Bogleheads, I have a 457 plan with two pretty good funds I currently invest in: 85% in FXSIX - Fidelity 500 Index - Institutional (0.035 ER) 15% in VFIUX - Vanguard Intermediate-Term Treasury Fund Admiral Shares (0.1 ER) All other funds in this plan are mediocre with .4+ ER's I recently hit a ...
by Scott311
Mon Nov 07, 2016 9:38 am
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 137
Views: 22841

Re: Great 403b for teachers?

Thanks for the replies guys. Actually Krow, thanks to you and others, I was able to seek out a decent plan in her district through Planmember services earlier this year. Not unlike this SB plan, it was a self-directed plan which I had to jump through hoops to get her enrolled, but once that happened...
by Scott311
Fri Nov 04, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Great 403b for teachers?
Replies: 137
Views: 22841

Re: Great 403b for teachers?

I just got done skimming through this thread... I was wondering, does anyone know if your district has to offer this plan as an existing option in order to be able to enroll or can one simply be a member of the NEA or any of it's affiliates? I am in Michigan and my wife is a teacher. The Michigan Ed...
by Scott311
Thu Nov 03, 2016 11:07 am
Forum: Personal Investments
Topic: 457 rollover
Replies: 6
Views: 1234

Re: 457 rollover

I have not rolled over into and IRA yet but have rolled over a few workplace retirement plans with varying degrees of difficulty. My biggest lesson learned was to first contact the provider of the IRA you want to rollover in to and they should do most of the work for you. Good luck.
by Scott311
Tue Nov 01, 2016 8:59 am
Forum: Personal Investments
Topic: Rolled over my pension into a Vanguard Rollover IRA - Now What?
Replies: 8
Views: 1408

Re: Rolled over my pension into a Vanguard Rollover IRA - Now What?

Ok, you're getting hung up on the technical aspects of it then... it sounds to me like your pension money is in the Vanguard settlement fund (Vanguard Federal Money Market Fund) this is where your monies go until you decide how to allocate them. From here, you are free to purchase which mutual funds...
by Scott311
Mon Oct 31, 2016 2:37 pm
Forum: Personal Investments
Topic: Rolled over my pension into a Vanguard Rollover IRA - Now What?
Replies: 8
Views: 1408

Re: Rolled over my pension into a Vanguard Rollover IRA - Now What?

Is the money currently in your Vanguard IRA? if so, that's where it should stay, you can still contribute your $5500 providing you haven't already done so. I'm not sure why you'd want to do anything other than that. I might not be fully understanding what you're saying though.
by Scott311
Thu Oct 20, 2016 2:58 pm
Forum: Personal Investments
Topic: Rollover or not for 403b and 457
Replies: 5
Views: 504

Re: Rollover or not for 403b and 457

You need to provide a lot more info for any decent advice... Is she done working? going to a new company? do the 403b and 457 have good fund choices? do you need her income to live? etc. If the 403b has expensive funds, you could roll that over to a Vanguard IRA and keep the 457 in case you need to ...
by Scott311
Fri Oct 14, 2016 7:40 am
Forum: Personal Investments
Topic: Help me help my GF with her Oppenheimer 403(b)...
Replies: 68
Views: 6874

Re: Help me help my GF with her Oppenheimer 403(b)...

My wife was in the same boat njfastlife. On top of Oppenheimer's high ERs, they also charge 5.75% load fees. If I was your gf, I would definitely open up a Roth and max that out first. I will back Krow in saying that Lincoln is probably her best option as far as the 403b. Getting rid of the load fee...
by Scott311
Fri Aug 26, 2016 9:53 am
Forum: Personal Investments
Topic: Now the time to open S&P 500 Roth IRA?
Replies: 14
Views: 2868

Re: Now the time to open S&P 500 Roth IRA?

You should open an account and invest the money ASAP and stop caring about what the market is doing at a particular time.

You're welcome :)
by Scott311
Thu Jul 28, 2016 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 50162

Re: Liking the new Citi CC at Costco

Has anyone noticed if Kroger gas counts as 3%? I ask because I've noticed that Kroger gas bills as "Kroger Fuel" whereas other grocery/box stores bill the same for gas or merchandise. I know that gas at supermarkets, etc. is supposed to only be 1% but was wondering if Kroger counted as a s...
by Scott311
Tue Jul 26, 2016 9:12 am
Forum: Personal Investments
Topic: New to Bogleheads: Advice on my IRA/401k situation
Replies: 7
Views: 1097

Re: New to Bogleheads: Advice on my IRA/401k situation

Metlife sells annuities, the literature you linked to is that of an annuity and thus would have additional expenses tacked on to the fund fees within the plan. Also it looks like there are surrender charges all the way up to 12 years in the worse case scenario. You can find this info in the last pag...
by Scott311
Tue Jul 26, 2016 7:36 am
Forum: Personal Investments
Topic: 401k Investments
Replies: 3
Views: 531

Re: 401k Investments

From what you provided, those are great funds. Like retiredjg said though, we need more info, it's not even clear what your asset allocation is... 45% in VBTLX?? or is that 75% stock and 25% bond? Looking forward to more info!
by Scott311
Tue Jul 26, 2016 7:29 am
Forum: Personal Investments
Topic: New to Bogleheads: Advice on my IRA/401k situation
Replies: 7
Views: 1097

Re: New to Bogleheads: Advice on my IRA/401k situation

Well Ottto, the ERs in your plan are not ideal but all is not lost. For starters, you can move your funds from the target retirement fund and distribute them across: US STOCK 0.72%: Principal LargeCap S&P 500 Index Separate Account (40%) 0.72%: MidCap S&P 400 Index Separate Account (10%) 0.7...
by Scott311
Mon Jul 25, 2016 2:59 pm
Forum: Personal Investments
Topic: New to Bogleheads: Advice on my IRA/401k situation
Replies: 7
Views: 1097

Re: New to Bogleheads: Advice on my IRA/401k situation

1. Should I transfer my stagnant Metlife Simple IRA into my Principal 401(k) or my newly created Vanguard Roth IRA? What would be the implications? Or do I not consider rolling over and instead change my allocations within the Metlife account? Does it make sense to consolidate my accounts? You shou...
by Scott311
Fri Jul 15, 2016 7:22 am
Forum: Personal Investments
Topic: a bargain course on investing?
Replies: 1
Views: 611

Re: a bargain course on investing?

Thanks for sharing namrac, I had a good chuckle from that story. Honestly, I'd be lying if I said that same train of thought didn't pass through my mind as I witnessed people walking around the streets with their phones in front of them like some sort of zombies as I drove home from work yesterday :)
by Scott311
Tue Jul 12, 2016 8:03 am
Forum: Personal Investments
Topic: Emergency Fund
Replies: 10
Views: 1498

Re: Emergency Fund

Read the following: https://www.bogleheads.org/wiki/Emergency_fund 3-6 months is best... low end if you consider your job secure, more if you don't. If you are married and use both incomes to live then you will probably definitely want to consider both in your emergency fund. You can either add up a...
by Scott311
Thu Jun 30, 2016 2:38 pm
Forum: Personal Investments
Topic: New Investor - Vanguard vs Fidelity
Replies: 14
Views: 2655

Re: New Investor - Vanguard vs Fidelity

1. Both are great providers in my opinion... I hold a Vanguard Roth IRA and also have a 457 with Fidelity. Something to consider though, the small difference in expense ratios at your point in life when you are just starting to invest, does not matter. You will have enough funds to buy admiral share...
by Scott311
Wed Jun 22, 2016 1:40 pm
Forum: Personal Investments
Topic: Target Retirement Funds - Really any good?
Replies: 33
Views: 5453

Re: Target Retirement Funds - Really any good?

Are you talking the Vanguard Target 2035 fund? That's a solid investment choice. I myself invest in the 2045 target fund and will continue to do so at least until I have enough funds to recreate it using admiral shares.

Stay the course and stop checking it so frequently :D
by Scott311
Thu Jun 09, 2016 3:00 pm
Forum: Personal Investments
Topic: Need help with my Personal Investment and new IRA account at Vanguard
Replies: 15
Views: 1237

Re: Need help with my Personal Investment and new IRA account at Vanguard

Ah those pesky minimums! I should have known! I just opened an IRA on behalf of my wife and we're just putting money in the 2045 target fund until we build enough savings to move the money around more to our liking. At this point with so little in the account the difference in ER's is negligible. No...
by Scott311
Thu Jun 09, 2016 2:18 pm
Forum: Personal Investments
Topic: Need help with my Personal Investment and new IRA account at Vanguard
Replies: 15
Views: 1237

Re: Need help with my Personal Investment and new IRA account at Vanguard

Hi niket, Welcome to the forum! First off, you will probably get more responses if you read: Asking Portfolio Questions and post in that format. As far as your concerns in this post, it looks like you have constructed two perfectly Boglehead-esque portfolio templates although I myself wouldn't bothe...
by Scott311
Tue May 31, 2016 1:16 pm
Forum: Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 1357

Re: Help wiht 403B investing

I had a look at the two plans Krow mentioned and they do look very good, much better than anything PlanMember has to offer.
by Scott311
Tue May 31, 2016 12:52 pm
Forum: Personal Investments
Topic: Help wiht 403B investing
Replies: 15
Views: 1357

Re: Help wiht 403B investing

Hi OP, my wife is a teacher and I recently moved her account to PlanMember Services. The trick is that I had to circumvent the plan representative and directly set up a self-directed account with PlanMember which costs 0.35% annually as opposed to the heavy fees the advisers charge. On top of that t...
by Scott311
Thu May 05, 2016 8:47 am
Forum: Personal Investments
Topic: ICMA-RC 401a with TDameritrade option
Replies: 6
Views: 971

Re: ICMA-RC 401a with TDameritrade option

I just looked at my plan details Planar, it says "Yes (Mutual Funds and Individual Securities)." And that's an odd place to list that detail, I must have overlooked that a dozen times. Ha! math? you don't say :) ... actually I found the re balancing spreadsheet https://docs.google.com/spre...
by Scott311
Thu May 05, 2016 7:47 am
Forum: Personal Investments
Topic: ICMA-RC 401a with TDameritrade option
Replies: 6
Views: 971

Re: ICMA-RC 401a with TDameritrade option

Thanks for the input guys. Planar, I'm glad to see a response from someone in a similar scenario. As far as I can tell my plan seems to be pretty fair, we only have a 20k minimum balance requirement as opposed to 30k as the brochure states. How did you find that you couldn't invest in ETF's? I've re...
by Scott311
Wed May 04, 2016 12:17 pm
Forum: Personal Investments
Topic: ICMA-RC 401a with TDameritrade option
Replies: 6
Views: 971

ICMA-RC 401a with TDameritrade option

Hi forum, I have a 401a through ICMA-RC which my employer contributes 8% of my salary and I contribute a mandatory 3% (11% total). I cannot choose otherwise, this 11% will always be going into this account so long as I'm employed here. Also any additional contributions I choose to make will be on an...
by Scott311
Mon May 02, 2016 11:13 am
Forum: Personal Investments
Topic: Help with re-balancing my portfolio
Replies: 4
Views: 1156

Re: Help with re-balancing my portfolio

Hi Secret, welcome to the forum! I saw your post was cruising down the list unanswered so I'll take a crack at it :) First, it would be helpful if you edited your OP to include what company's your accounts are with. Second, I've no knowledge on how to handle your individual stocks, hopefully someone...
by Scott311
Wed Apr 20, 2016 12:30 pm
Forum: Personal Investments
Topic: Trying to help my wife get her 401k back on track
Replies: 9
Views: 1332

Re: Trying to help my wife get her 401k back on track

Hello Fort, can you post what funds you currently hold along with ER's and what are available? The more info you can give, the better folks can help you. I think you would have to contact the current plan provider to determine if there is a transfer penalty. It is possible to apply the Bogglehead ph...
by Scott311
Tue Apr 19, 2016 1:45 pm
Forum: Personal Investments
Topic: Portfolio review
Replies: 7
Views: 1001

Re: Portfolio review

Hi game, If I were you, my priority would be to contribute to the 401k only enough to get the match. I would stop contributing to the HSA and focus all extra funds on building a 3-6 month emergency fund and paying down that CC debt before that nasty interest rate kicks in. After that point I would t...
by Scott311
Tue Apr 05, 2016 12:12 pm
Forum: Personal Investments
Topic: Help sorting retirement plans
Replies: 2
Views: 439

Re: Help sorting retirement plans

I would make sure to put enough in to get the match in your 401a (3% is what you indicated). I would put 100% in the 500 index. PIFZX has an ER that is a little on the high side (but not terrible) but it seems you have better options in your other accounts. No match involved here, they give me 8% a...
by Scott311
Tue Apr 05, 2016 10:35 am
Forum: Personal Investments
Topic: Help sorting retirement plans
Replies: 2
Views: 439

Help sorting retirement plans

I would like to get some thoughts on my work retirement plan situation which is a bit on the messy side. I have two plans available to me: 401a (ICMA-RC) - 8% company contribution (pretax), 3% mandatory contribution on my end (pretax) any contributions after this up to an additional 11% are after-ta...
by Scott311
Thu Mar 31, 2016 7:21 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

Yeah I'm with you on the Prudential fund krow but unfortunately it's the best of a bad situation... .53 is the actual expense on that fund, just caught that typo. So going forward I'm almost done switching my wife's 403b over to PlanMember. We are also talking about opening up IRA's through Vanguard...
by Scott311
Wed Mar 30, 2016 6:50 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

Its a bit strange but my employer contributes 8% of my salary and I am required to contribute 3% PRE-TAX. I am allowed to contribute an additional 10% AFTER-TAX to our 401a, of which I am only contributing 6% at this point in time. So in other words I was saying there will always be 11% of my salary...
by Scott311
Tue Mar 29, 2016 10:26 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

In my situation does anyone see any advantages between Roth and Traditional IRA's? I think we will probably move up to the 28% tax bracket over the coming years but no higher than that. I do kind of like the idea of having a Roth double as a worst-case scenario emergency fund down the road too. We r...
by Scott311
Mon Mar 28, 2016 2:49 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

Updated my post accordingly... are you suggesting we open an IRA (has to be Roth, correct?) and work towards maxing that before contributing anything additional to our work plans?
by Scott311
Mon Mar 28, 2016 12:30 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

Agreed, she has not educated herself in this stuff though. The district switched plans a few years back and defaulted her into Oppenheimer and then put her in touch with a financial consulting firm who pushes Oppenheimer.
by Scott311
Mon Mar 28, 2016 12:17 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Re: Portfolio Review

No match on the 403b atm. I think she ultimately wants to keep a supplemental plan even though she has a pension :? so I think we are leaning towards going with the other plan provider, its just that with the small fee they charge we won't be able to fully enjoy the rock-bottom Vanguard prices.
by Scott311
Mon Mar 28, 2016 11:34 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1469

Portfolio Review

Hello, I joined the forum last week in hopes to figure out what to do with my wife's 403b, now I was hoping for some general advice on our retirement/investing portfolio... Emergency funds: about 10 Months in savings account, contribute $100/week Debt: $30,800 Student loans @ 3.75%, $198,000 Mortgag...