Search found 460 matches

by Helo80
Sun Jan 21, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 38
Views: 1910

Re: New Brake Pads

You're kinda coming down on both sides of the same topic here. Lifetime warranty on pads=good, Lifetime warranty on pads=bad. I should have made it clear that I was referencing the "Free pads for life" brake shops that will charge you nothing on the pads on future replacements (but of course charge...
by Helo80
Sat Jan 20, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 38
Views: 1910

Re: New Brake Pads

Price is about right for front pads and rotor resurface. Honestly though, changing brakes with calipers is not that hard, though I totally get wanting to take it to a professional for safety reasons. (note: not to denigrate anybody's chosen profession and/or paint a broad stroke of a brush, but some...
by Helo80
Sat Jan 20, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 16
Views: 1238

Re: HSA

I'm a little confused about HSA investment. I just started contributing last year and have been contributing the maximum possible. My employer also contributes. I haven't invested any of the money in there. If you anticipate upcoming medical bills (e.g., for regular medical check up and dentist vis...
by Helo80
Sat Jan 20, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Need help investing $10K
Replies: 15
Views: 884

Re: Need help investing $10K

Dear members, Forgive me for not following the requested format. Too much data that I don't have on me at the moment. Hoping someone can answer a quick question for me. I have a Vanguard Brokerage account and have some investments in that already. I'm 46. Looking for long term investment hopefully ...
by Helo80
Sat Jan 20, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2739

Re: Job offer - no 401k offered

What did people do before defined contribution tax qualified plans were available? They saved and invested. We now have access to tax efficient index/managed funds and reduced capital gain rates. Has it ever been better than now to save and invest :?: Hmm, what did people do before 401k? Yeah, what...
by Helo80
Sat Jan 20, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Military TSP Question
Replies: 8
Views: 782

Re: Military TSP Question

I left the feds before the Military TSP plan started. My understanding is that some military personnel can get matching monies. If you are eligible for matching monies and assuming that DFAS functions the same as for civilians, hitting your contribution limit too early can cause you to lose matchin...
by Helo80
Fri Jan 19, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3265
Views: 945863

Re: What Movie Have You Recently Watched?

The Darkest Hour --- An excellent film... I saw many parallels with today's time.
by Helo80
Wed Jan 17, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Car/Motorcycle Jump Starter?
Replies: 17
Views: 738

Re: Car/Motorcycle Jump Starter?

I would go with the lithium ion jump starters.... convenient for a motorcycle and car. I've jumped V8s (Ford truck engine gas) on 400 or 500 peak amp batteries, but I was not in a bind or pinch at the time. I think everybody should have these lithium jump starters in their car as they're under $100....
by Helo80
Tue Jan 16, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to INVEST!
Replies: 26
Views: 1699

Re: Newbie wanting to INVEST!

I personally still use the older version (Ynab 4). It is a desktop version that sync with mobile phone app and other PC's and was a one time only fee. I ma not sure though if they are still selling it.. I don't like the newer version as well, but still the YNAB methodology that rocks regardless of ...
by Helo80
Tue Jan 16, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to INVEST!
Replies: 26
Views: 1699

Re: Newbie wanting to INVEST!

My next step is figuring/learning out what I should do to help invest for our future. The market is very strong right now, which scares me as I am half glass empty fellow (thanks dad). I'd like to get in to help my money work for me - but I don't want to see my hard earned savings wiped out by a ma...
by Helo80
Tue Jan 16, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: The Free market Takes care of itself. EJ loses
Replies: 14
Views: 1481

Re: The Free market Takes care of itself. EJ loses

My real question is.... how does EJ even stay in business? Surely the folks on this forums are the only ones that can figure this out? I can't comment on EJ's exact business model nor customer composition, but from other companies I have personally witnessed or worked for, great marketing and PR te...
by Helo80
Tue Jan 16, 2018 10:32 am
Forum: Investing - Help with Personal Investments
Topic: 24 year old with a little over a million looking for a stable income.
Replies: 15
Views: 2581

Re: 24 year old with a little over a million looking for a stable income.

https://careers.state.gov/work/foreign-service/officer/ Not a bad gig if you can get it.... The bad thing is that we heard the President's comments... and realize that State is in A LOT of countries beyond Europe. Much like the Officer route you mentioned, there are prized, dues, and punishment ass...
by Helo80
Tue Jan 16, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2117

Re: Need to buy new printer. Suggestions for best value?

The last point to consider, most printers these days seem to be sold with the printer itself being a loss-leader, the profit is the ongoing ink/toner replacement, so make sure you consider total cost of ownership over a number of ink/toner replacement cycles. Correct. People remember the old, old, ...
by Helo80
Tue Jan 16, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Need to buy new printer. Suggestions for best value?
Replies: 32
Views: 2117

Re: Need to buy new printer. Suggestions for best value?

If you need color, I personally have had good luck with Canon printers and buying generics. That being said, the Chinese generic cartridges usually lag a few months to year when Canon switches up the DRM chips on the cartridges. But, once caught up, it's usually a dollar or two per cartridge, in bul...
by Helo80
Tue Jan 16, 2018 9:57 am
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7332

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

I've read many times here that most of the market's big moves happen in just a handful of days every decade, but haven't been paying attention for long enough to actually witness it. There's an article floating around BH that addresses this issue... that bull runs and huge returns generally are lim...
by Helo80
Tue Jan 16, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 990

Re: pros and cons of target date funds?

jayk238 wrote:
Tue Jan 16, 2018 9:08 am

Lets play with the round number 1,000,000
what would the costs using it be?

I think all, or nearly all, of the Vanguard Target Retirements have an ER of 0.16%.... so $1600 per million invested.
by Helo80
Tue Jan 16, 2018 9:03 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 990

Re: pros and cons of target date funds?

Is the whole fund selection process that eschews the target funds simply a hobbyists pasttime ? otherwise what am I missing? I think your intuition is largely correct. Target funds are professionally managed ratios of large, mid, small cap funds, bonds, international funds and international bonds f...
by Helo80
Tue Jan 09, 2018 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6899

Re: Lowball offer on a home

This is the type of information I was looking for. Thank you. The house is only the right house if the price is right. It is not worth $529k + the cost of improvements I want to make...to me personally. Perhaps to someone else though! This. x100 Sounds like you have the right attitude --- just sit ...
by Helo80
Tue Jan 09, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6899

Re: Lowball offer on a home

My wife and I saw a 3br/1.5ba house in a spectacular neighborhood the other day that we liked and are interested in making an offer. It is currently listed for $529,000 and all of the comps in the area have sold between $480k and $530k in the last year. A house two doors down sold for $525,000. Hon...
by Helo80
Thu Dec 28, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 84
Views: 12469

Re: Water Heater Install $1,800!

I just had a tankless (Rheem) heater installed for $2000 flat (through Lowes). So, yes, a little more, but not by much! (That said, I would self-install a regular water heater for less than $700, so the $1800 seems exorbitant to me) Very regional dependent as Lowe's outsources this sort of work (I ...
by Helo80
Wed Dec 27, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48798

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

The recently signed tax bill has been a real eye opener for me as to what other states charge in taxes. Of course I have always known there are "high tax states", but with a new tax law and numbers put into formulas, I am amazed at what is going on in some states.
by Helo80
Wed Dec 20, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 3785

Re: Dave Ramsey Style Vanguard Portfolio?

So, I can buy this in my Schwab account for $3 SWTSX (Total Stock: $1) SWISX (International Stock: $1) SWAGX (Aggregate Bond: $1) and I can scale this to infinity, correct? Thank you all. Peter Correct; if you are interested in going Taylor's 3-fund route, that would work. I confirmed that Total St...
by Helo80
Wed Dec 20, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor roth - 401k to IRA
Replies: 10
Views: 1416

Re: Mega backdoor roth - 401k to IRA

*IF* you have left your employer and/or will be leaving your employer and/or have 401k from old employers ----- in that $55,000, we can discuss a 401k rollover. If not, you're generally SOL. The vast majority of 401ks do not allow in-service rollovers for people under 59. The IRS 2013 Final Report ...
by Helo80
Wed Dec 20, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 3785

Re: Dave Ramsey Style Vanguard Portfolio?

today (12-20-17) Dave had a big rant against index funds. He and his investor pros showed how 50% of the mutual fund beat the S&P 500. He forgot or ignored fees (1%-2.5%). After fees you will not beat the passive investing in the S&P or Total Stock market fund. Dave does to index funds, but in his ...
by Helo80
Tue Dec 19, 2017 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Mega backdoor roth - 401k to IRA
Replies: 10
Views: 1416

Re: Mega backdoor roth - 401k to IRA

I have $55,000 in after-tax contributions and $4,000 of pre-tax earnings in my fidelity 401k. I still work for my employer and don't qualify for qualified distributions. From the way you have things worded, like the previous poster said, you will not be able to do a backdoor roth IRA contribution. ...
by Helo80
Sun Dec 17, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard fund(s) for Roth
Replies: 5
Views: 488

Re: Vanguard fund(s) for Roth

I am looking to contribute around 12,000 into VDADX or VIGAX using a Roth IRA. I am 30 years old. I am a teacher make around 60k a year. Just purchased a home. Married to a teacher. Thanks for your advice. Let me know if you need more info. Yeah, both you and your wife are going to want to setup yo...
by Helo80
Sun Dec 17, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?
Replies: 34
Views: 3736

Re: Should I call the authorities to report a potential ponzi scheme (involving Bitconnect)?

If somebody is promising you unbelievable returns outside of the norm, chances are there is a serious catch to it all.

If I knew of a way to make 100 or 200% guaranteed ROI every year, I'd be working every hour of every day that I could and would not be telling you all about it.
by Helo80
Sat Dec 16, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: 22 y/o - First Time 401(k) Help
Replies: 4
Views: 407

Re: 22 y/o - First Time 401(k) Help

Questions: 1. For tax efficiency, does it currently matter which funds I hold in which accounts? ie. What funds should I put where? Tax efficiency does not make any difference for 401ks as you will not be earning taxable income within the 401k fund. The same goes for your roth IRA --- that will all...
by Helo80
Sat Dec 16, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8238

Re: Is anyone putting money aside into Gold?

Looking at historical returns of gold, it's a terrible investment. While true, it has always been worth something and was recognized for its beauty and rarity since before the Egyptians, it's not something that provides practical value in today's digital world. Virtually no merchant out there will a...
by Helo80
Fri Dec 15, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Years Old: In the current market, what % into bonds?
Replies: 56
Views: 3632

Re: 28 Years Old: In the current market, what % into bonds?

I've been anti-bond since college, and I still largely am... about your age as well. 2009 was rough, but I was not relying on said investments for anything but long term capital appreciation (40+ years). At the end of the day, it's all about risk aversion.... some people hate to lose money, but it's...
by Helo80
Fri Dec 15, 2017 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 17
Views: 1059

Re: TSP 401k Contribution Question

Does the HSA contribution work the same way? This is a bit of a tangent, but I don't know if HSA contributions are dated in the same manner or not. It would work the same way if you would like to have your agency automatically deduct your HSA contribution from your paycheck. However, I think HSA is...
by Helo80
Fri Dec 01, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones trap
Replies: 45
Views: 5393

Re: Edward Jones trap

Not your life and not your money. If people aren't giving you unsolicited financial advice, you shouldn't either.

If she asks you what your thoughts are, by all means, you have the blessing to lay it into EJ.
by Helo80
Mon Nov 20, 2017 8:35 pm
Forum: Personal Consumer Issues
Topic: Drive it till it dies. It died.
Replies: 54
Views: 6289

Re: Drive it till it dies. It died.

OP, first off, very sorry to hear this... Hopefully nissan can work a deal with you to take off the blunt of the repair cost. Unfortunately, the whole "drive it until it dies" is some of the bad talking points issued at BH and other personal financial forums. The same goes for the "never lease a veh...
by Helo80
Fri Nov 17, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4213

Re: TSP Modernization Act Signed Into Law

Yaaaaayyy!!!! Now this thread cannot be deleted for falling into "proposed legislation".
by Helo80
Fri Nov 17, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 9164

Re: Tesla truck unnveil

So... - Model S - Model X - Model 3 - Super Exotic - big rig .... are all vastly different vehicles, targeting vastly different markets. Do they plan to make them ALL under the same roof? I have not even seen their factory floor, and I think it's going to be a disaster. Even when ol' Elon was saying...
by Helo80
Fri Nov 17, 2017 9:34 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3212

Re: Electric Car (Nissan Leaf) for a teen driver?

Sounds like she would be an excellent candidate for one as she won't be able to drive far.
by Helo80
Fri Nov 17, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1613

Re: Is dent repair service worth it?

Have you contacted the shop and gotten their professional opinion on how it might look afterwards? They're the body shop, not us. They can see the dent, we cannot. They have the experience we don't.

You have an Infiniti. Odds are, it's not worth repairing as you'll get hosed in trade in anyways.
by Helo80
Fri Nov 17, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 23
Views: 3275

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

To those suggesting Camry.. come on.. not the same car.. I will say this... what hacks me off about Camry and Lexus sister ES is that a fully-loaded, top of the line Camry runs about $38-ish. That's right where ES starts so you think "Hey, might as well get a lexus", but in order to get a decently ...
by Helo80
Fri Nov 17, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.
Replies: 23
Views: 3275

Re: $23K 2009 Lexus IS 250 AWD V-6 Miles 33K Certified.

I would stay away from the IS250. They are known to have carbon build up (your warranty will cover it however). I have heard they are very sluggish as far as power is concerned. The new body style has just come out. I think the price is too high as well. I bought a 2006 IS 350 in 2011 with 18k mile...
by Helo80
Sun Nov 12, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: When to fund 2018 Roth
Replies: 2
Views: 557

Re: When to fund 2018 Roth

Yes, there are mechanisms in place to roll back your contribution and earnings off of said contribution. You would have until April 2019 to fix it. https://investor.vanguard.com/ira/excess-contribution In terms of waiting until you have $6500 to contribute... I guess it's more if you're willing to t...
by Helo80
Sun Nov 12, 2017 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1460

Re: What Credit Card is good for me?

Also, for general use, I am thinking of replacing the Chase Freedom with Fidelity Visa card - this has 2% cashback on all purchases. Is this a good choice/switch? Any other cards I should consider? Chase Freedom for 5% cash back categories Discover IT - for 5% cash back in other categories Citi Dou...
by Helo80
Sun Nov 12, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 6945

Re: Costco for tires and car insurance?

The problem with Costco tires is they add an unauthorized $200 charge to every install. Shoot, sometimes it's been as high as $300 if the install takes two hours. And the caloric intake from all those samples doesn't help my waistline, either! Well... I'm sure they have done plenty of market resear...
by Helo80
Sun Nov 12, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is my employers 3rd party administrator correct about VG expense ratios?
Replies: 9
Views: 845

Re: Is my employers 3rd party administrator correct about VG expense ratios?

TBH --- your adviser worded it kind of funny, but is correct. Truth be told, I do not know what my "average" ER is for my entire MF investment portfolio. I'm mostly in Vanguard funds that are already aggressively priced in expenses. I am not saying it's a "pointless" calculation, but in the grand sc...
by Helo80
Fri Nov 10, 2017 8:18 am
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8712

Re: $23k credit card emergency

ursula wrote:
Thu Nov 09, 2017 9:53 pm
Sidebar: I feel like nobody would want to seriously date a loser with so much CC debt anyways :(

You would be surprised.
by Helo80
Fri Nov 10, 2017 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3738

Re: Do telecom stocks have a future?

I don't think anyone has brought up Nortel.
by Helo80
Fri Nov 10, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 6945

Re: Costco for tires and car insurance?

Heads up --- If you are a member of Sam's Club, I think tomorrow, Veteran's day, they're running a special where it's like up to $80 off four new tires and then the install ($60 or so) is free. When I got my tires rotated at Sam's yesterday, he was telling the gal in front of me that you could pay f...
by Helo80
Tue Nov 07, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5846

Re: Eye Doctor $30 to get your Rx? Is this normal?

Hello, My wife has been complaining about her vision for a while, decided to see an MD Ophthalmologist that participates in our HMO. We called and verified a $20 copay for the eye exam. She received her full eye exam, but our VSP vision plan, separate from the HMO, does not cover lenses and frames ...
by Helo80
Mon Nov 06, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 2073

Re: How Much should I fund my HSA and Why?

My question is whether it still makes sense to max fund a HSA when one is in their 50s versus some in their 20s like the OP? IMHO, if you are financially able to, yes, I would still contribute to 401k, Roth IRA, and HSA in 50s https://www.smu.edu/-/media/Site/BusinessFinance/HR/pdf/Benefits/HSA--Me...
by Helo80
Mon Nov 06, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How Much should I fund my HSA and Why?
Replies: 21
Views: 2073

Re: How Much should I fund my HSA and Why?

Does maxing the HSA still apply if you are semi-retired and your employer does not offer a HSA and you are buying insurance on the Exchange and the plan is HSA-eligible? If you are buying a HDHP on the exchange, it should be HSA eligible. You should be able to setup a HSA on your own and contribute...