Search found 45 matches

by mav12
Fri Nov 22, 2019 5:25 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 6
Views: 280

Re: 403b Mutual of America vs T Rowe Price

I was able to get in touch with a rep and he stated that for our Org the fees fall under the Tier 3, which is .45%, plus the fund costs. I asked him to send me the info on the funds' costs, but there are common names, such as Fidelity and Vanguard, but are structured under the annuity. I haven't com...
by mav12
Thu Nov 21, 2019 10:40 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 79
Views: 6084

Re: Schwab acquiring TD Ameritrade

Why bother to call? Vanguard’s online system was not working properly yesterday for an account maintenance task. So, the only option left was to call them. I prefer to get things done online, but it is not always possible especially with Vanguard’s inadequate online system. And calling even during ...
by mav12
Thu Nov 21, 2019 10:22 pm
Forum: Personal Investments
Topic: 403b Mutual of America vs T Rowe Price
Replies: 6
Views: 280

403b Mutual of America vs T Rowe Price

Hello, I'm working for a non-profit company and we have access to these two plans for your retirement accounts, Mutual of America vs T Rowe Price. From the literature prospectus, it seems Mutual of America charges 2% expense fees, plus the fund fees from Fidelity, Vanguard and others around 0.50%. O...
by mav12
Thu Oct 31, 2019 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 118
Views: 9594

Re: H&R BLOCK Pre-Order 2019 Software Offer

Has anyone heard/used this site: https://www.1040.com/?did=197 ?
by mav12
Fri Oct 25, 2019 11:50 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 44123

Re: Best CD rates thread

Would you guys like to have our community contribute and improve the spreadsheets? Post them and get the input.
by mav12
Fri Oct 25, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 5218

Re: Who does your tax returns?

Might I suggest a free option? VITA (volunteer income tax assistance program) through AARP. I volunteer for them (you can too, very small time commitment requested, but not required) + education is free all January long. We use TaxSlayer software. In addition, you have two sets of eyes looking over ...
by mav12
Tue Oct 08, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: Router for Small Apartment
Replies: 18
Views: 1354

Re: Router for Small Apartment

Personally, I stick with the wired connection, Ethernet. Much less security risks, no dropouts, much faster transfer speeds and much better for the health. A DSL router and a gigabit switch w/ QoS.
by mav12
Tue Oct 08, 2019 12:34 am
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 404
Views: 44123

Re: Best CD rates thread

Rob do you have a link to the Kevin's posts? Thank you
by mav12
Sun Sep 22, 2019 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Save? Invest? Pay off Mortgage?
Replies: 12
Views: 1711

Re: Save? Invest? Pay off Mortgage?

dandinsac wrote:
Sat Sep 21, 2019 7:30 pm
If you have $300,000 in Roth + Ally, then you should pay off the mortgage. Otherwise, save more, either in Ally or a taxable brokerage account.
IMHO, Alliant Credit Union is better, easier to work with, less restrictions on same day EFT, same are as Ally.
by mav12
Sun Sep 22, 2019 11:27 pm
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9848

Re: Best place to buy Microsoft Office 2019....

^^^ I just received the Microsoft email at work. I'm glad that I already purchased both Office 2016 and Office 2019 through the Home Use program. I don't want my stuff online anywhere. to add to you comments Microsoft OneDrive The Microsoft terms of service gives Microsoft employees permission to v...
by mav12
Thu Sep 19, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9848

Re: Best place to buy Microsoft Office 2019....

..... In 2020 and 2023, we can buy stand-alone versions of Microsoft Office to replace Office 2010 and Office 2013, respectively. It will still be cheaper than paying for the subscription service for several years. And even if it were more expensive, I'd rather lose a few dollar to have a stand-alo...
by mav12
Thu Sep 19, 2019 12:48 am
Forum: Personal Consumer Issues
Topic: Laptop for a student
Replies: 8
Views: 758

Re: Laptop for a student

Depends what area of study the will be. I'm not in college, but do use my laptop for number crunching in excel . I bough the cheap one from Costco, some time ago for around $300. Don't let specs scare you because you can upgrade the ram and the hard drive for a few $$$. Here are the thread w/ discus...
by mav12
Fri Jul 12, 2019 8:25 pm
Forum: Personal Investments
Topic: Roth 457 vs. Roth IRA
Replies: 18
Views: 4464

Re: Roth 457 vs. Roth IRA

I'm in my late 30's and used to contribute to Roth 457b through the State work. I'm now with the private employer. Is it worth to roll over Roth 457 b to traditional roth IRA (with, for example Vanguard) ? I talked to the State and need to confirm, my principle and interest with Roth 457 b, are they...
by mav12
Thu Jul 11, 2019 11:39 pm
Forum: Personal Investments
Topic: Tracking Portfolio - What's your XLS, Google Sheet, or whatever look like?
Replies: 26
Views: 3371

Re: Tracking Portfolio - What's your XLS, Google Sheet, or whatever look like?

That is incredible. As a beginner, I'm very impressed by your dedication. Any tips for someone who might want to create a system like that of their own? The google spreadsheet I shared can be yours. You can just copy it into your own Google Sheets and change what you like...just make sure that you ...
by mav12
Sun Jun 23, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Re-balance Utility - New Version (v2)
Replies: 19
Views: 3887

Re: Re-balance Utility - New Version (v2)

Hello admins,

Where does one find the link to the V2 ?
Thank you
by mav12
Mon Jun 17, 2019 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: CD Ladder
Replies: 3
Views: 682

Re: CD Ladder

I would compute if it's worth switching over to a new rate (given the penalties) or sticking with an existing rate. I'm in my upper 30s, working.
by mav12
Mon Jun 17, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: CD Ladder
Replies: 3
Views: 682

CD Ladder

Hello, Would you please suggest if a CD ladder still makes sense and how do you allocate the funds? I see that some institutions pay out over 3% APY ($5,000) on a 5-year CD with an early term of 365 days. Considering allocating about 25k, would it make sense to put all into that 5yr CD as we have a ...
by mav12
Thu May 09, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Going solar
Replies: 29
Views: 2512

Re: Going solar

I was wondering the same, if it's worth it? All my construction friends say no way, the payback period is too long. Would this system make sense for someone living in Oregon, cloudy most of the time? Also, I noticed that IRS had not extended the Fed tax credit for someone who installs the system th...
by mav12
Thu May 09, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Service
Replies: 9
Views: 1331

Re: Vanguard Service

I just had an unfortunate experience with TD Ameritrade. They held my funds for 3 weeks and wouldn't release them. I spoke with about 5 supervisors and a number of associates to resolve it. What a nightmare. i speak with a supervisor, he promises to follow-up, never hear from him again. Would not re...
by mav12
Thu May 09, 2019 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Going solar
Replies: 29
Views: 2512

Re: Going solar

I was wondering the same, if it's worth it? All my construction friends say no way, the payback period is too long. Would this system make sense for someone living in Oregon, cloudy most of the time? Also, I noticed that IRS had not extended the Fed tax credit for someone who installs the system thi...
by mav12
Wed May 01, 2019 12:28 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

Thank you, GMCZ71. Yes, I still have that sticker attached and what is odd is that I show the similar consumption, about $580/yr and about 4800 kWH.
Doesn't seem like much improvement from 2007 to 2014.
by mav12
Sat Apr 27, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

As others have said, you need to figure out what is costing what before ripping things apart or spending thousands of dollars. What % of the bill is heat, what % is hot water and what % is miscellaneous? Do you have a smart meter? If not, figuring that out is trickier. Are you referencing the elect...
by mav12
Sat Apr 27, 2019 12:22 am
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

Wire in a timer on/off switch for your water heater. Simple DIY job or easy 1 hour electrician job. http://www.outofdebtagain.com/2008/10/electric-water-heater-timer/ Good idea, but wouldn't it take more electricity to kick back in and to bring the water to the temps when I turn it on? That hasn't ...
by mav12
Fri Apr 26, 2019 9:50 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

Space heaters would be costing you lots of money. I would think that would be much more than for your electric water heater. Do you have AC? That could also cost you lots of electricity, so I would look into replacing heat and A/C before worrying about the water heater. A hybrid water heater is an ...
by mav12
Fri Apr 26, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

Steven in NC wrote:
Fri Apr 26, 2019 9:41 pm
Wire in a timer on/off switch for your water heater. Simple DIY job or easy 1 hour electrician job.

http://www.outofdebtagain.com/2008/10/e ... ter-timer/
Good idea, but wouldn't it take more electricity to kick back in and to bring the water to the temps when I turn it on?
by mav12
Fri Apr 26, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: window replacement: return on investment
Replies: 23
Views: 2331

Re: window replacement: return on investment

As a former real estate appraiser I can tell you that you will not recoup your window expense on resale. New bathroom, kitchen, paint, and flooring are most important on resale value. I'm kind of in the same situation, was considering windows replacement to save on electricity. Just created a new p...
by mav12
Fri Apr 26, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

I saw a YouTube video that showed one of the biggest energy sucks in a home is the cable box. No kidding it equaled a refrigerator. DH said when we went from 3 boxes to 1 box there was a huge electric savings i saw that too. I have a CenturyLink router, DSL service for $35/mo. i haven't checked, bu...
by mav12
Fri Apr 26, 2019 9:13 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

The water heater uses energy only if you use hot water. Do you use that much water? Mine a negligible addition to the bill. My washing machine and dishwasher heat water locally, so there is not much you can do there. Unless you have giant shower heads and use a lot of water I don't see how the wate...
by mav12
Fri Apr 26, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Re: Water heaters/ energy consumption, high electric bill

First, you guys are an awesome group of people. I value very much diversity of your thoughts and ideas. I live in an all electric house. We purchased it some time ago and didn't really pay close attention to $350-$400 electricity bills monthly. The house was unfinished, but (I guess, it was up to t...
by mav12
Fri Apr 26, 2019 8:53 pm
Forum: Personal Consumer Issues
Topic: Internet fees
Replies: 16
Views: 1544

Re: Internet fees

I have Comcast for $19.99 a month. I think that is very reasonable. It is 25 Mbps download and I can stream video on multiple tvs. It is good for 1 TB a month, which is ton of usage. We have a streaming service for tv and never come close to using that. It was a one year deal and I had my own modem...
by mav12
Fri Apr 26, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Advice for setting up home network with connected devices (security)
Replies: 5
Views: 711

Re: Advice for setting up home network with connected devices (security)

Personally, I have a router and a couple of switches, all connected by Ethernet cables. You can't beat security of a hard wired setup and there are health concerns with EMFs from WiFis. This is my personal opinion.
by mav12
Fri Apr 26, 2019 8:44 pm
Forum: Personal Consumer Issues
Topic: Water heaters/ energy consumption, high electric bill
Replies: 34
Views: 2028

Water heaters/ energy consumption, high electric bill

First, you guys are an awesome group of people. I value very much diversity of your thoughts and ideas. I live in an all electric house. We purchased it some time ago and didn't really pay close attention to $350-$400 electricity bills monthly. The house was unfinished, but (I guess, it was up to th...
by mav12
Mon Apr 22, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 690
Views: 70507

Re: Why are you NOT buying rental properties?

Depreciation is a great benefit. My 'golden handcuffs' in a few years time when I'll be traveling more and wanting to be less hands-on is cashflow. I run the numbers on equity vs a 3.5% SWR and it's getting closer all the time. I won't be sorry to sell, and am unlikely to buy more in the current ma...
by mav12
Sun Jan 14, 2018 3:09 am
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 31510

Re: Where to retire in Florida?

Good discussion, when I visited FL about 10 yrs ago Ft Meyers area, it seemed like a tourist destination, no industries no good jobs. Does anyone have an idea of a place in FL with solid job prospects (Finance, Tech and/or healthcare), but i assume healthcare is going to be in high demand anywhere w...
by mav12
Sat Dec 02, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 3437

Re: What's your experience with Medicaid ?

I am involved with people who are in/under/provided for by "Medicaid" in this state. To answer your question you would have to be specific as to exactly what situation you have and also what state you are in. It is also a question of exactly what support you mean when you say Medicare . My experien...
by mav12
Sat Dec 02, 2017 12:16 am
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 3437

Re: What's your experience with Medicaid ?

Rupert wrote:
Fri Dec 01, 2017 1:48 pm
How good or bad it is often depends on what state you're in because it's a state-administered program. You'll get better answers if you tell people what state you're asking about.
Oregon
by mav12
Fri Dec 01, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Any websites to help find a great doctor?
Replies: 36
Views: 4276

Re: Any websites to help find a great doctor?

You may not find the perfect one nearby, but there is always a second opinion online. https://draxe.com/top-50-functional-integrative-medical-doctors/ Also, use The Institute for Functional Medicine https://www.ifm.org/find-a-practitioner/ Pubmed is my friend and /MEDLINE, most big libraries have ac...
by mav12
Fri Dec 01, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question (get subsidy for a private insurance, not Medicaid)
Replies: 8
Views: 1028

Re: Health Insurance question (get subsidy for a private insurance, not Medicaid)

I'm stuck with Medicaid (worst coverage), which my Doc (ND) will not accept Actually "no coverage" is worse than that. Many fine (in my opinion) HMOs accept Medicaid - so I would not be so quick to dismiss it. There are usually many competent Physicians that either take Medicaid or are in HMOs that...
by mav12
Fri Dec 01, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question (get subsidy for a private insurance, not Medicaid)
Replies: 8
Views: 1028

Re: Health Insurance question (get subsidy for a private insurance, not Medicaid)

From the other perspective, does anyone have or had Medicaid? Is it pretty bad as far as coverage? You would get a better response to that question if you started a new thread with that question in the title. It would be interesting to hear what people say about that. I would suspect the level of h...
by mav12
Fri Dec 01, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: What's your experience with Medicaid ?
Replies: 41
Views: 3437

What's your experience with Medicaid ?

Does anyone have or had Medicaid?

Is it pretty bad as far as coverage?
by mav12
Fri Dec 01, 2017 4:01 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question (get subsidy for a private insurance, not Medicaid)
Replies: 8
Views: 1028

Re: Health Insurance question (get subsidy for a private insurance, not Medicaid)

I would call the 800 number for people that run your state exchange, which may be healthcare.gov or one the state set up, and ask them how much income you would need to stay above the medicaid level of income. The medicaid rules vary a lot by state. For the ACA policies there are two subsidy levels...
by mav12
Thu Nov 30, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question (get subsidy for a private insurance, not Medicaid)
Replies: 8
Views: 1028

Health Insurance question (get subsidy for a private insurance, not Medicaid)

Thank you guys for this forum and for keeping up well informed. I have somewhat of a unique situation. I have no income now, but do have an IRA account which I plant to convert a partial amount from to a Roth IRA= I plan to convert about $12,000 to a Roth and pay a small tax. Now, I'm purchasing ful...
by mav12
Tue Nov 21, 2017 1:39 am
Forum: Personal Investments
Topic: [Switching from Target Date fund to 3-fund portfolio - How?]
Replies: 9
Views: 1983

Re: [Switching from Target Date fund to 3-fund portfolio - How?]

I have the majority of my investments at Fidelity all of which is now in the three fund portfolio. I believe if you call and have a Fidelity representative place your orders, there will be a charge; whereas, if you do the sell and subsequent buy orders yourself online, there will be no charge. At l...
by mav12
Mon Nov 20, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Software
Replies: 132
Views: 16608

Re: H&R Block Software

Why do you guys prefer HR Block over TurboTax as I'd used it for years and transfers your carryover deductions easily?
by mav12
Tue Nov 07, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (October 2017)
Replies: 9
Views: 2090

Re: madsinger monthly report (October 2017)

Hello,

I'm new to this forum. How does one use these statistics? Who manages these portfolios?

Thanks