Search found 766 matches

by fortfun
Fri Aug 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 498

Re: Best choice with oppenheimer

anonenigma wrote:
Fri Aug 10, 2018 1:27 am
Why is the money stuck at Oppenheimer if it's from a former employer?
Current employer. Other 403b choices are worse. Luckily, I have 401k and 457 with good options but can't move this money to them because of IRS rules.
by fortfun
Thu Aug 09, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 498

Re: Best choice with oppenheimer

Looking at those funds is like deciding which one of a group of thugs is the one you want to beat you up. I'd have to agree on MSIGX, over the very long term it's return have come close to the S&P500, even though it's been better this year. The Oppenheimer expense rations just make me cringe. I'd t...
by fortfun
Thu Aug 09, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 498

Re: Best choice with oppenheimer

Wow, that is rough. I'd guess Main Street Fund A - MSIGX ER 0.94% for US Stock and Total Return Bond Fund A - OPIGX ER 0.75% for bonds. The international funds are all even higher, maybe use other accounts for those? Hopefully someone more knowledgeable than I am can chime in.... Yes and my other 4...
by fortfun
Thu Aug 09, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 498

Best choice with oppenheimer

I have a small amount of money stuck at oppenheimer. My other choices are even worse. What's the best choice with oppenheimer:

https://www.oppenheimerfunds.com/investors/funds/mutual

I can move my other retirement funds around to get the correct AA.
Thanks
by fortfun
Wed Jul 25, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1627

Re: How early to get to an airport (JFK specifically) for domestic flight

In reality, how early do I need to arrive for a domestic flight? It's at 3:15 PM, I believe boarding starts at 2:30. We'll check-in online, and only have carry-on. Thanks! How expensive are the tickets? The whole family, or just you? I'd be there by 1:15, maybe earlier if you can. Bring something t...
by fortfun
Wed Jul 25, 2018 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Your age in bonds?
Replies: 57
Views: 6423

Re: Your age in bonds?

I would appreciate a little clarification. I've seen the rule of thumb to invest your age in bonds however, I believe that some have said that the bond allocation should include the capitalized value of pensions and SS. I wouldn't include capitalized value of pensions and SS but I probably WOULD ma...
by fortfun
Wed Jul 25, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any brick and mortar banks/CUs paying close to online rates?
Replies: 11
Views: 1206

Re: Any brick and mortar banks/CUs paying close to online rates?

Once the accounts are established, transfers can happen pretty quickly. So, you can keep most of your money in an online bank (ally, etc.) and then just transfer to your brick and mortar bank. Ally, also pays ATM fees (at most machines/$15 per month). Keep a couple of credit cards and you should be ...
by fortfun
Wed Jul 25, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2312

Re: Figuring out long-term technology plan for kids - Chromebook?

I would go for 8GB RAM. I think she will be happy with the speed that it offers. 4GB will probably work fine too but you'll notice the speed slows down when many tabs are open. I am going to offer a counterpoint here. I have been using Chromebooks for years. Ordinary users do not need 8 Gb of RAM o...
by fortfun
Tue Jul 24, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2312

Re: Figuring out long-term technology plan for kids - Chromebook?

I have two kids, eight and twelve years old. Currently we have one Windows laptop at home running Win 10. It is about three years old and runs slowly but adequately. (Each of us has a Kindle Fire as well, for consumption of music, apps, web browsing, Netflix, etc. - so one laptop is usually enough....
by fortfun
Tue Jul 24, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2312

Re: Figuring out long-term technology plan for kids - Chromebook?

I have two kids, eight and twelve years old. Currently we have one Windows laptop at home running Win 10. It is about three years old and runs slowly but adequately. (Each of us has a Kindle Fire as well, for consumption of music, apps, web browsing, Netflix, etc. - so one laptop is usually enough....
by fortfun
Tue Jul 24, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17031

Re: Salary vs. Lifestyle

knpstr wrote:
Thu Jul 19, 2018 12:17 pm
fortfun wrote:
Wed Jul 18, 2018 9:41 am
Having summers off with the kids is worth a million dollar salary.
I'll have to let my stay-at-home-wife know she has an equivalent 4 million dollar salary.
:D
by fortfun
Wed Jul 18, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2721

Re: How much did your braces/invisalign braces cost?

I will have 2 kids in braces over the next 4 to 5 years. It looks like the cost will be around 6k each. The majority of payment will be out of pocket. Does 6k seem like a reasonable amount for treatment that will last 21 months? The cost of traditional braces and invisalign is the same, at least fr...
by fortfun
Wed Jul 18, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 142
Views: 17031

Re: Salary vs. Lifestyle

I realize that this is a very subjective matter, but after reading one of the threads regarding early retirement, I noticed they recurring theme: Enjoying life while you can (having more time for "living in the sunlight" - hobbies, taking walks, exercising and spending time with family). I thankful...
by fortfun
Wed Jul 18, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2721

Re: How much did your braces/invisalign braces cost?

I'm a dentist but not an orthodontist. Without a diagnosis, all this comparison is irrelevant. "Crowded teeth" is not a diagnosis. Orthodontic diagnoses are way more complex than most people realize and involve tooth relationships, jaw relationships, arch space, transverse discrepancies, and multip...
by fortfun
Tue Jul 17, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Question about new construction basement houses
Replies: 19
Views: 1373

Re: Question about new construction basement houses

We are considering buying a new construction home that has a basement. It would be a "walk out" basement in central North Carolina. I have done some research on pro's and con's of having a basement and was concerned by the potential "cons" list, including cracks in the walls and floors, mold, humid...
by fortfun
Tue Jul 17, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2721

Re: How much did your braces/invisalign braces cost?

Good information everyone! Thank you. I'm down to about 5,200 now. There's a small upfront payment discount and insurance will cover 2k. I'm not sure I'll get much lower than this in my area.
by fortfun
Tue Jul 17, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5935

Re: Going solar?

I was looking at going solar on my house. I can afford paying my current electricity bill no problem. Ranges from $100-150 a month. But there are currently 30% federal and 10% state rebates (NM). After rebates it will cost about $20,000. Plus I guess you can sell back extra power if you don't use a...
by fortfun
Mon Jul 16, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1410

Re: Braces: Keeping cost down and insurance questions.

If you do not have a HDHP for your insurance, I would suggest checking to see if your employer offers a healthcare FSA. Even if you do have a HDHP, check whether you have a limited-purpose FSA, usable for only dental and vision; this would allow you to put in $2500 towards braces or other dental co...
by fortfun
Mon Jul 16, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 346

Re: Any guidelines on going pre or post tax for pension HAS.

I would ask the HR folks (or the union rep if you have one) how that provision (pension based on pay after Sec 125 deductions) came to pass. That's a new one on me. Section 125 plans have probably been around for 30 years or so. I agree but it is impossible to get anything changed. I guess I'm stuc...
by fortfun
Mon Jul 16, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2900

Re: Would you pay $120 for a 5 year dishwasher warranty?

Probably not. I'd just use a CC that doubles the manufacturer's warranty. I'd also keep the packaging, if possible, so I can return it if it's a lemon (during the return period). Seems like my appliances make it five years before breaking (under regular use).
by fortfun
Mon Jul 16, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 346

Re: Any guidelines on going pre or post tax for pension HAS.

Very interesting. For the $15K negative effect, is that based on just one year of taking the $700 pretax or three years? This would be the first of three years that I would pay the $700 post tax. I arrive at the 15k loss by: $700 * .75 * 30 years. As I will get 75% of HAS. Of course, that assumes m...
by fortfun
Mon Jul 16, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 346

Re: Any guidelines on going pre or post tax for pension HAS.

I have never heard of a pension where the salary used in the calculation was reduced due to any kind of pre-tax deduction. This is what my guide says: Post-Tax Premium Option for Retirement Employee paid elections for health, dental and/or vision benefits are automatically deducted as a pre-tax ben...
by fortfun
Mon Jul 16, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 346

Re: Any guidelines on going pre or post tax for pension HAS.

I have never heard of a pension where the salary used in the calculation was reduced due to any kind of pre-tax deduction. Here's what my guide says: Post-Tax Premium Option for Retirement Employee paid elections for health, dental and/or vision benefits are automatically deducted as a pre-tax bene...
by fortfun
Mon Jul 16, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Going solar?
Replies: 73
Views: 5935

Re: Going solar?

I was looking at going solar on my house. I can afford paying my current electricity bill no problem. Ranges from $100-150 a month. But there are currently 30% federal and 10% state rebates (NM). After rebates it will cost about $20,000. Plus I guess you can sell back extra power if you don't use a...
by fortfun
Mon Jul 16, 2018 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Any guidelines on going pre or post tax for pension HAS.
Replies: 8
Views: 346

Any guidelines on going pre or post tax for pension HAS.

My pension will be based on three highest years of salary. I've got five years before retirement but I might be in my highest HAS years now. Today, I elected to pay dental insurance post tax. It's about $700 a year for me and the kids. I calculated that I could lose out on about 15k worth of pension...
by fortfun
Mon Jul 16, 2018 3:05 pm
Forum: Personal Consumer Issues
Topic: How much did your braces/invisalign braces cost?
Replies: 32
Views: 2721

How much did your braces/invisalign braces cost?

I will have 2 kids in braces over the next 4 to 5 years. It looks like the cost will be around 6k each. The majority of payment will be out of pocket. Does 6k seem like a reasonable amount for treatment that will last 21 months? The cost of traditional braces and invisalign is the same, at least fro...
by fortfun
Mon Jul 16, 2018 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1410

Re: Braces: Keeping cost down and insurance questions.

If you do not have a HDHP for your insurance, I would suggest checking to see if your employer offers a healthcare FSA. Even if you do have a HDHP, check whether you have a limited-purpose FSA, usable for only dental and vision; this would allow you to put in $2500 towards braces or other dental co...
by fortfun
Sat Jul 14, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1410

Re: Braces: Keeping cost down and insurance questions.

Thanks for the helpful suggestions everyone!
by fortfun
Sat Jul 14, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1410

Re: Braces: Keeping cost down and insurance questions.

I can only answer the second part- I wouldn't go outside your general area, as there are LOTS of visits, and not everyone can have the slot right after school because all of the patients students (well, the vast majority). Are you really going to take your kid out of school for the entire day inste...
by fortfun
Sat Jul 14, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 18
Views: 1410

Braces: Keeping cost down and insurance questions.

Any advice on keeping the cost of braces to a minimum? I've got 2 kids that will need them in the next few years. Also, my wife and I can both pay more for dental plans that cover $1,800-$2,000 of the cost. Is there any way for both of us to utilize our insurance, or is it one or another. I can't ge...
by fortfun
Fri Jul 13, 2018 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: New to HSA with Fidelity
Replies: 14
Views: 988

Re: New to HSA with Fidelity

Enrolling in a general purpose FSA will make you ineligible for HSA contributions. You can enroll in a limited purpose (dental/vision) FSA and/or post-deductible FSA. For the last few years an employer can choose whether to offer the traditional 3/15 FSA grace period or an up to $500 rollover, but ...
by fortfun
Fri Jul 13, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: New to HSA with Fidelity
Replies: 14
Views: 988

Re: New to HSA with Fidelity

Enrolling in a general purpose FSA will make you ineligible for HSA contributions. You can enroll in a limited purpose (dental/vision) FSA and/or post-deductible FSA. For the last few years an employer can choose whether to offer the traditional 3/15 FSA grace period or an up to $500 rollover, but ...
by fortfun
Thu Jul 12, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: New to HSA with Fidelity
Replies: 14
Views: 988

Re: New to HSA with Fidelity

Wouldn't Fidelity's Total Index Fund (Spartan) have lower fees than Vanguards? If so, why not use Fidelity's? I was about to post the same question. Thanks!
by fortfun
Thu Jun 14, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 325

Re: Google voice in Europe

Thanks everyone!
by fortfun
Thu Jun 14, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Google voice in Europe
Replies: 5
Views: 325

Google voice in Europe

I know that Google voice will not ring my phone in Europe. However, does anyone know if I can still get messages directly at the Google voice site? My guess is yes but wanted to see if anyone has actual experience.
by fortfun
Sun Jun 10, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Re: Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering? 3.35% 4.79% 4.56% 7.01% I have a small allocation to this fund. A decade ago you would have lost about 30% in one year - make sure ...
by fortfun
Sun Jun 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1985

Re: Tv mount with no studs

Hi all! Me again. Hoping to mount a 50 inch tv but I don't have any studs in my basement. It is drywall with concrete block behind it. Anyone ever done this? I'm looking to DIY unless there was an affordable way of a pro doing it. I'm wanting the tv to be able to swivel not just be forward facing. ...
by fortfun
Sun Jun 10, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Tv mount with no studs
Replies: 20
Views: 1985

Re: Tv mount with no studs

Hi all! Me again. Hoping to mount a 50 inch tv but I don't have any studs in my basement. It is drywall with concrete block behind it. Anyone ever done this? I'm looking to DIY unless there was an affordable way of a pro doing it. I'm wanting the tv to be able to swivel not just be forward facing. ...
by fortfun
Sun Jun 10, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Re: Why not use Fidelity High Income Fund SPHIX?

Thanks Retiredjg! Having 30% of our porfolio in (FSITX) Fidelity U.S. Bond Index Fund Premium Class (0.05%) is killing me. I have no risk CDs earning 1.75%. How is it "killing you"? The 30 day SEC yield is just over 3%. Your question was "why not use SPHIX"....the answer is because it does not act ...
by fortfun
Sun Jun 10, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Re: Why not use Fidelity High Income Fund SPHIX?

Thanks Retiredjg! Having 30% of our porfolio in (FSITX) Fidelity U.S. Bond Index Fund Premium Class (0.05%) is killing me. I have no risk CDs earning 1.75%. I'm holding FSITX in my IRA, and am happy with it. Sure, it has shown a loss in NAV YTD, but so has just about the entire investment-grade bon...
by fortfun
Sun Jun 10, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3481

Re: Best banks for checking accounts?

Ally is my primary checking/online savings. Currently, 1.6% interest rate. Good interface and customer service. I keep a secondary account at Schwab for International travel and local banking. If schwab had a better interest rate, I might move everything there. Their website says checking is 0.1% f...
by fortfun
Sat Jun 09, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best banks for checking accounts?
Replies: 33
Views: 3481

Re: Best banks for checking accounts?

Ally is my primary checking/online savings. Currently, 1.6% interest rate. Good interface and customer service. I keep a secondary account at Schwab for International travel and local banking. If schwab had a better interest rate, I might move everything there.
by fortfun
Sat Jun 09, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Re: Why not use Fidelity High Income Fund SPHIX?

This appears to me to be a "junk bond". Junk bonds act more like stocks and less like bonds during the bad times. It took a pretty good dip in the last market downturn - did not offer the portfolio stability that a bond allocation is supposed to offer. I don't think it hurts much to have a small sl...
by fortfun
Sat Jun 09, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Re: Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering? 3.35% 4.79% 4.56% 7.01% In searching the forum, I see they are considered "junk" bonds that are considered as risky as the stock ma...
by fortfun
Sat Jun 09, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why not use Fidelity High Income Fund SPHIX?
Replies: 14
Views: 1590

Why not use Fidelity High Income Fund SPHIX?

I know it has high fees (.72) and past performance is no guarantee for the future performance but with most of the other bonds in the tank, isn't it worth considering?

3.35% 4.79% 4.56% 7.01%
by fortfun
Sat Jun 09, 2018 3:48 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 22996

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

CnC wrote:
Sat Jun 09, 2018 11:31 am
Why buy bonds when CD's are beating or at least very near bnd returns? I just can not understand why locking in such a low yield is a good idea?


If interested rates go up you lose even more.
I guess because CDs are not available in most 401k, 403b, etc. Correct?
by fortfun
Wed Jun 06, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 167

Re: Can you invest in CDs thru Fidelity 403b? I don't think so.

Bond prices should be expected to fluctuate over periods of time by modest amounts. This is completely normal and no reason to change one's chosen asset allocation. If a temporary 2% loss in fund value (I doubt you have actually lost anywhere near 2% on your initial investment) causes you anxiety, ...
by fortfun
Wed Jun 06, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Can you invest in CDs thru Fidelity 403b? I don't think so.
Replies: 2
Views: 167

Can you invest in CDs thru Fidelity 403b? I don't think so.

We are re-balancing/re-allocating our AA. Our AA is 30% bonds. We have it in Fidelity FSITX (US bonds). The -2% return is killing me. Is there some other conservative option to use instead? Here are my choices: https://docs.google.com/spreadsheets/u/1/d/e/2PACX-1vRj_Co1udgR3ZxgYUt_OEzJErCwgytmsXWiUh...
by fortfun
Tue Jun 05, 2018 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 744

Re: Charles Schwab Fees Brokerage Account

There is no monthly charge, but they do require you to keep $1k in the brokerage account. They'll eventually complain if you don't, or so I've heard. Schwab has a good selection of commission free ETFs, so you really shouldn't be paying for trades. Thanks whodidn'tante. I guess I just transfer it o...
by fortfun
Tue Jun 05, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Charles Schwab Fees Brokerage Account
Replies: 7
Views: 744

Charles Schwab Fees Brokerage Account

I opened up a CS checking account for the international ATM fees. CS gave me $100 for opening the account. Just for fun, I bought an ETF of US Large and Small cap. Is there some sort of monthly charge for this brokerage account? I don't want to open the account and find out that the free $100 has co...