Search found 1154 matches

by Novine
Sat May 13, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on state employee pension.
Replies: 10
Views: 1447

Re: Thoughts on state employee pension.

If you don't plan on staying, the 457 plan is the best option once you've maxed out either a Traditional or Roth IRA account.
by Novine
Sat May 13, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ameriprise, Looking for general comments and advice
Replies: 22
Views: 1929

Re: Left Ameriprise, Looking for general comments and advice

What's the state of the state pension system in AZ? That's a lot of eggs in one basket for the long-term. You may want to reconsider dialing back on the 457 plan. It has a lot more flexibility than other retirement saving plans especially for getting at the dollars before you hit 59 1/2.
by Novine
Mon May 01, 2017 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: New Poster, Critique my plan!
Replies: 3
Views: 482

Re: New Poster, Critique my plan!

Until you've been through a major market downturn and know how you'll react, 100% stocks sounds too ambitious to me.
by Novine
Sat Apr 29, 2017 3:30 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

Microsoft will continue to support Windows 7 and Office 2010 through 2020. That gives you 3 years of support before you're forced to upgrade to a newer version of Windows and Office. I don't see any reason to upgrade to Windows 10. It uses more resources than Windows 7 and on older computers, that u...
by Novine
Sat Apr 29, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

You're running Windows 10 on 2 GB of RAM? I'm impressed. Most computers I've seen running Windows 10 with less than 6 - 8 GB of RAM are slow to the point of frustration for their users. As far as "speed", it's possible that someone running benchmark tests has shown that Windows 10 is faster than Win...
by Novine
Sat Apr 29, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

Here's how to use Google's DNS servers. The same steps can be followed to set your network adapter, whether it's wired or wireless, to pick up the DNS settings from your Internet provider. Changing DNS server settings on Windows 7 1. Go to the Control Panel. 2. Click Network and Internet > Network a...
by Novine
Sat Apr 29, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

It looks like a problem with your DNS settings.

Type in:

ipconfig /all

and list what appears under DNS settings and which connection it's using. For example, on my laptop, I'm connecting wirelessly and I can see DNS settings under "Wireless LAN adapter Wi-Fi:"
by Novine
Fri Apr 28, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

Can you try one more thing? See if you can browse to these sites:

http://www.cnn.com/

http://www.pcworld.com/

https://www.yahoo.com/
by Novine
Fri Apr 28, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

"Or I can perhaps upgrade to win 10 if I can get internet access? Not sure if Win 10 is recommended..." You would have to purchase Windows 10 as the days of the free upgrade are over. Whether you should upgrade depends on the age and performance of the computer. In my experience, older computers are...
by Novine
Fri Apr 28, 2017 11:02 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

"I did this in safe mode and it took me to a pop-up asking for pass and login, which mine did not work. Then it directed to a 401 unauthorized page"

What was the address that appeared in the browser when you saw this?
by Novine
Fri Apr 28, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

Lack of connectivity could be a DNS problem. Type this address into your browser:

66.209.71.245

It should load the Bogleheads.org site. Report back if that works or doesn't work.
by Novine
Fri Apr 28, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Help with computer from IT folk
Replies: 35
Views: 3042

Re: Help with computer from IT folk

A clean install requires some way to reinstall whatever version of Windows you want to use. The same is true of the programs you listed. You'll need the installation files for those programs to be able to reinstall them after Windows is reinstalled.
by Novine
Sun Apr 16, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Public School Teacher: Need help with 403b
Replies: 41
Views: 2375

Re: Public School Teacher: Need help with 403b

"Does the contribution you make to the IRA affect your AGI? So if I was above the number they have set for AGI but, invested 5,500 in an IRA would the AGI come down?" It's up to you if you want to share your income of you and a spouse, if you have one. But if you're running into contribution limits,...
by Novine
Sat Apr 15, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing and retirement savings
Replies: 2
Views: 448

Re: New to investing and retirement savings

What's up with the credit card debt? Paying off those credit card debts is probably the best move. But if you're back in the same spot 6 months from now, that's a real problem. Are those the result of a one-time issue or an on-going spending problem? Also, that's a high-interest car loan. Are there ...
by Novine
Sat Apr 15, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?
Replies: 11
Views: 836

Re: It's not too late to make a last-minute T-IRA contribution via Vanguard.com, right?

Will you owe taxes on your state and federal returns? If not, April 18th isn't an actual deadline for filing. But you're cutting it close by trying to verify an new account and getting a 2016 contribution completed with Vanguard. You're assuming that a confirmation from Vanguard is the same as compl...
by Novine
Sat Apr 15, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Public School Teacher: Need help with 403b
Replies: 41
Views: 2375

Re: Public School Teacher: Need help with 403b

If you are only setting aside $3,000/year, ditch the rip-off artists in your 403b plans and put that into a Traditional IRA with a provider like Vanguard. You'll get the same tax benefits as you would from the 403b without the rip-off fees. If you were setting aside something more than the contribut...
by Novine
Mon Mar 20, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Should I move in this market?
Replies: 10
Views: 1188

Re: Should I move in this market?

Live in a house that meets the needs of your family and that you can afford. If you're unable/unwilling to move to an area with cheaper housing and you want a larger house, I don't see how you're going to avoid the cost of that by waiting. The local real estate market could tank at some point. But y...
by Novine
Thu Mar 16, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Help with rebuttal to a Facebook post
Replies: 36
Views: 4695

Re: Help with rebuttal to a Facebook post

The limits of these claims by American Funds have been recently discussed. Keep in mind that the argument for index funds is not based on the idea that no actively managed fund can beat index-based funds. It's possible and American has performed a lot better than others. But over the long-term, the ...
by Novine
Sun Feb 19, 2017 11:46 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 42
Views: 4964

Re: Car windshield wipers - go cheap or better?

Our local repair shop included new wiper blades with an oil change. I don't know the brand they used but they must have been cheap because they didn't last and did a lousy job. When one of them broke on a particularly cold day, I went to the local auto supply store and picked up the mid-level Rain X...
by Novine
Fri Feb 17, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Why is American funds returns too good to be true?
Replies: 45
Views: 5750

Re: Why is American funds returns too good to be true?

"I don't like American finds because of 1) loads, 2) financial advisors who put people in 10 or more American Funds when 1 or 2 would have been better. FAs who sell 10 or more of the funds are making a meal of their clients. They also make investing look complicated." #2 isn't the fault of...
by Novine
Thu Feb 16, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 819

Re: Portfolio Review, Recent Windfall

As far as the windfall, you could look at setting additional dollars for the kids education. Do you have any other major expenses you anticipate besides the cars?
by Novine
Thu Feb 16, 2017 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Recent Windfall
Replies: 9
Views: 819

Re: Portfolio Review, Recent Windfall

Here's an overview of Vanguard's Target Date funds , which explain in more detail some of the comments that have been made. If you look at the individual Vanguard Target Date funds, you'll see that they hold percentages of Vanguard's Total Index funds which helps provide the diversification you want...
by Novine
Thu Feb 16, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Helping a family member into retirement
Replies: 15
Views: 2028

Re: Helping a family member into retirement

Watty has a good suggestion. She may be better off using that $100,000 to pay for living expenses now and delay collecting her SS to get a larger SS payment down the road. How many retirement investment options are indexed for inflation and will pay out until the day she dies? That's what she gets w...
by Novine
Wed Feb 15, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax and Investment questions for recently married couple
Replies: 5
Views: 539

Re: Tax and Investment questions for recently married couple

"How do you determine if it's best to file jointly or separately? I've always used a CPA since my taxes are a little more difficult and she's always just used turbotax." It's almost always to your advantage to file jointly. Your spouse's tax situation sounds pretty straightforward. But if ...
by Novine
Wed Feb 15, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a family member into retirement
Replies: 15
Views: 2028

Re: Helping a family member into retirement

How old is she? What are her income needs in retirement? You'll need to provide more details so that people can list what potential options make sense for her situation.
by Novine
Wed Feb 15, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market Fears
Replies: 55
Views: 6656

Re: Stock Market Fears

"For many years now I have stayed the course, but lately I have begun to wonder if this is a wise plan. I recently read a post by a Boston economist who suggested moving everything to short-term Treasuries in anticipation of a market crash." What are your fears and how would this move addr...
by Novine
Tue Feb 14, 2017 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2992

Re: Currently an Edward Jones client and need some advice

"Currently an Edward Jones client and need some advice" Run. They've already told you that they're not legally required to put your financial interests above theirs. They've already told you that they'll charge you 10 times what you would pay if you were invested in low-cost, passive index...
by Novine
Tue Feb 14, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 12153

Re: Bogleheads not the norm?

"It seems like every person on here is in this elite club not many people on this forum are in debt not saving enough and have little to no EF saved. I was one of these people not long ago and compared to most here I may be considered poor since my savings is below where it needs at my age.&quo...
by Novine
Tue Feb 14, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: MetLife Promise Whole Life Select 10
Replies: 16
Views: 1594

Re: MetLife Promise Whole Life Select 10

"Once you have invested 20k keep it going."

What? Since you've invested 20k, you might as well invest 200k? Sunk cost fallacy anyone?
by Novine
Sun Feb 12, 2017 1:49 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 4461

Re: [Bogleheads Sites Are Ad-Free]

I see some people glossed right past WCI's point that this site already uses advertising to support its operation through the use of Amazon affiliate links. I have no idea how much revenue that generates but I'm sure it's more than zero. If you were unaware of that, it highlights that there's way to...
by Novine
Sat Feb 11, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the AXA 403(b) fees are?
Replies: 14
Views: 2309

Re: Does anyone know what the AXA 403(b) fees are?

I didn't read your other thread but if it hasn't been mentioned, one reason that school districts and others select these plans from the various life insurance companies is that they can offer these plans to the district for "free". Because they levy high fees on the plan participants, the...
by Novine
Sat Feb 11, 2017 12:30 pm
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 4461

Re: [Bogleheads Sites Are Ad-Free]

I hate all the pop-up, pop-under, flashing, blinking, jumping ads. But ads take many forms and there's no reason they need to be intrusive and annoying. Bogleheads could easily implement ads in a way that most regular users wouldn't notice them, especially if they could be turned off for registered ...
by Novine
Sat Feb 11, 2017 1:05 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 4461

Re: [Bogleheads Sites Are Ad-Free]

"Heck, you could even set it up so the ads go away when you log in so only lurkers see them." I think many regulars would be more inclined to support some ads if this approach could be implemented. I think the ad issue is always going to be controversial on a site like Bogleheads. But WCI ...
by Novine
Fri Feb 10, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 5166

Re: When to invest- fear of crash

1. Stop "looking at the charts every day" as you said you're doing. It clearly serves no useful purpose for you and outside of those who work in the financial sector, it makes little sense for anyone else. 2. If you are approaching retirement then you are right to fear a downturn. But you ...
by Novine
Mon Feb 06, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: 70% marginal tax rate !?!
Replies: 25
Views: 4700

Re: 70% marginal tax rate !?!

"If you don't purchase another primary residence with that money, I believe you will have to pay capital gains."

Why do you believe that?
by Novine
Sun Feb 05, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 74
Views: 8688

Re: Does anybody else out there still pay for an email address?

"Email services offered by gmail, yahoo, hotmail, etc. are vulnerable and have been hacked." Anything that interacts with the Internet has the potential to be hacked. Companies that focus primarily on e-mail likely do a better job on securing their mail systems. But don't fool yourself thi...
by Novine
Sat Feb 04, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for input on my financial situation - mid 30s
Replies: 7
Views: 1456

Re: Looking for input on my financial situation - mid 30s

You're 34. Full retirement age for you is 67. That means that you'll likely be working for another 40+ years. Even if there's a big correction in the next year or 10 years from now, are you going to remember that in 40 years? Probably not. Even if you do, don't you see how you'll have another 30 yea...
by Novine
Sat Feb 04, 2017 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my mom's portfolio, and decide what to advise her re: investments after house sale
Replies: 7
Views: 555

Re: Help me evaluate my mom's portfolio, and decide what to advise her re: investments after house sale

In an ideal world, mom would transfer her IRA to Vanguard and either let you manage it or pay Vanguard a small annual fee to assist. The portfolio is unnecessarily complicated from what you've stated about her needs and future plans for the money. It could easily be turned into a 3 Fund portfolio at...
by Novine
Sat Feb 04, 2017 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my mom's portfolio, and decide what to advise her re: investments after house sale
Replies: 7
Views: 555

Re: Help me evaluate my mom's portfolio, and decide what to advise her re: investments after house sale

This doesn't really tell us much other than that she has some really good options in her account and some that are unnecessarily expensive. But this doesn't even say which funds they are using and in what percentages. Doesn't your mother get a monthly statement from TIAA showing how her funds are al...
by Novine
Sat Feb 04, 2017 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Please help my in-laws move their business 401k away from EJ!
Replies: 7
Views: 1265

Re: Please help my in-laws move their business 401k away from EJ!

There are other options but keep in mind that many employers gravitate to the plan providers who cost them little or nothing to offer a retirement plan because the provider makes up the costs by charging the participants higher fees. Would they be willing to pursue a provider with lower fees if it w...
by Novine
Sat Feb 04, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: 70% marginal tax rate !?!
Replies: 25
Views: 4700

Re: 70% marginal tax rate !?!

Perhaps this is semantics but I don't think it's accurate to claim that the earned income is being taxed at 70%. If the marginal rate is the combination of both the rate on earned income and on long-term gains, how does the percentage get allocated to the earned income? Absent the long-term gains, t...
by Novine
Sat Feb 04, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: 70% marginal tax rate !?!
Replies: 25
Views: 4700

Re: 70% marginal tax rate !?!

"The earned income displaces LTCG/qualified dividends out of the 0% bracket and into 15/20%+ACA zone, while at the same time being taxed itself at AMT+phaseouts. Then add CA and payroll taxes, and 69% is gone from every additional dollar I earn. " Can you show the breakdown of the various ...
by Novine
Tue Jan 31, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Want to cut the manged investment cord...How best?
Replies: 6
Views: 836

Re: Want to cut the manged investment cord...How best?

If you move your IRAs to Vanguard, you can also open a taxable account there where you can invest as much as you want for whatever purpose you need. I assume this is what you have in mind when you refer to "wealth building options". Some people use the taxable account as a supplement to th...
by Novine
Mon Jan 30, 2017 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: FHA Mortgage - Buy down interest rate?
Replies: 10
Views: 895

Re: FHA Mortgage - Buy down interest rate?

FHA allows her to get a more expensive house than she could otherwise afford if she can't come up with the 20% downpayment. Is that a wise financial move? Only she can say. But she should explore other options with her credit union. Often times, they can offer comparable type loans with less costly ...
by Novine
Mon Jan 30, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: seeking advice - need to advise newly widowed mother in deep debt
Replies: 46
Views: 4627

Re: seeking advice - need to advise newly widowed mother in deep debt

If your parents used their home equity to fund college education for their children, it seems that part of the discussion should be how you and your brother can assist your mother financially. You have no legal obligation to do so and if you or your brother can't afford to do that, that's one thing....
by Novine
Mon Jan 30, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: FHA Mortgage - Buy down interest rate?
Replies: 10
Views: 895

Re: FHA Mortgage - Buy down interest rate?

Does she know that PMI on FHA loans is steep and permanent? The only way to get rid of it is to refinance into a new loan which makes the math more complicated considering it's likely that interest rates will be higher when she does.
by Novine
Mon Jan 30, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Starting NYS 457(B)-The bigger picture.
Replies: 14
Views: 1121

Re: Starting NYS 457(B)-The bigger picture.

There are some benefits to using a 457b plan besides the deferral of taxes. If you have additional dollars after you fund your IRA, you may want to revisit using the 457 plan.
by Novine
Mon Jan 30, 2017 9:31 am
Forum: Personal Finance (Not Investing)
Topic: seeking advice - need to advise newly widowed mother in deep debt
Replies: 46
Views: 4627

Re: seeking advice - need to advise newly widowed mother in deep debt

Are you sure that his pension ends with his death? That's possible but normally, it would have required an affirmative choice on his part to take a higher benefit knowing that it would leave her with less on his death.
by Novine
Mon Jan 30, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Weird IRS email
Replies: 11
Views: 2640

Re: Weird IRS email

"When I hover over the address there is a phone number (888) 841-4648 which is not an IRS number as best I can tell. " That's a legitimate IRS number. However, if the e-mail is in plain text, you're not seeing that because it's part of the message. What's likely happening is that your brow...