Search found 110 matches

by earlywynnfan
Wed Jan 06, 2021 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 15788

Re: Got my stimulus check, how about you?

Got ours days ago. We'll be using it to pay for a few small jobs done around the house, jobs that I've been putting off doing myself. I figure that will benefit me and benefit local workers. Really wish more thought was given to Mark Cuban's idea. Instead of a check, everyone gets a pre-paid credit ...
by earlywynnfan
Sat Jan 02, 2021 7:37 am
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 142
Views: 12809

Re: Cord cutting 2020 - Youtube TV

You can sign up for Hallmark tv directly for $5/mth.
by earlywynnfan
Sat Dec 19, 2020 10:56 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi TV - complexity and savings
Replies: 43
Views: 3452

Re: Wi-Fi TV - complexity and savings

I'd like to second Fubo, we were using sling for some cable channels and basic uverse for locals, but hated sling. Ditched it all for Fubo a month ago and couldn't be happier. (we also have Netflix )
by earlywynnfan
Wed Dec 16, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: home office deduction, complicated
Replies: 6
Views: 459

Re: home office deduction, complicated

My accountant loves to play in the grey areas, but he has told me he never claims home offices unless they are amazingly clear cut. He says nothing seems to jump out to the audit people like a home office.
by earlywynnfan
Fri Nov 27, 2020 4:16 pm
Forum: Personal Consumer Issues
Topic: Switching to Ooma
Replies: 48
Views: 3234

Re: Switching to Ooma

How about a Black Friday deal?? I used Ooma for 4-5 years with almost no issues (other than the aforementioned slight delay in the conversation.) My original one died within a year, so they sent me a free replacement. I just disconnected it last week because I no longer want my land-line. So I'll th...
by earlywynnfan
Fri Nov 27, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Any bogleheadish black friday deals to look out for?
Replies: 89
Views: 14021

Re: Any bogleheadish black friday deals to look out for?

Won't make me any money, but enjoy Bitdefender's black Friday sale, $25
by earlywynnfan
Fri Nov 06, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 161
Views: 11129

Re: Does anyone have a dishwasher they recommend?

We ended up going with the miele, it's coming in a few days. I also like the controls on the front, and am hoping the "stove to dishwasher" cleaning is true. I am a little concerned about the post about having to use their pods. I never saw it as mandatory, more as a "peak performance...
by earlywynnfan
Thu Nov 05, 2020 10:25 am
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 161
Views: 11129

Re: Does anyone have a dishwasher they recommend?

So I'm doing this dance this morning as my crappy dishwasher just died. We are simple folk, we don't need bells and whistles, and even the quietness of the washer isn't very important because we run it at night. So I'm seeing a classic Miele will give me everything I want, same as a mid Bosch or Ki...
by earlywynnfan
Thu Nov 05, 2020 10:06 am
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 161
Views: 11129

Re: Does anyone have a dishwasher they recommend?

So I'm doing this dance this morning as my crappy dishwasher just died. We are simple folk, we don't need bells and whistles, and even the quietness of the washer isn't very important because we run it at night. So I'm seeing a classic Miele will give me everything I want, same as a mid Bosch or Ki...
by earlywynnfan
Thu Nov 05, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 161
Views: 11129

Re: Does anyone have a dishwasher they recommend?

So I'm doing this dance this morning as my crappy dishwasher just died. We are simple folk, we don't need bells and whistles, and even the quietness of the washer isn't very important because we run it at night. So I'm seeing a classic Miele will give me everything I want, same as a mid Bosch or Kit...
by earlywynnfan
Fri Sep 04, 2020 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Landlords: How are you doing this year?
Replies: 159
Views: 20109

Re: Landlords: How are you doing this year?

My one rental has been going well. Tenant was exposed, had to quarantine, then had a heck of a time getting tested to return to work, so she missed a large chunk of work. Through one of those programs, She got two months rent paid for. I had to fill out some mild paperwork and wait for a check, but ...
by earlywynnfan
Tue Aug 11, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5939

Re: What price range for Daughter's first car?

Another vote for encouraging her to make her own decision. It's her money, she's an adult...real job, pays real taxes, will have real debt obligation. Just because she asks for your input doesn't mean you should give it, it means that it's welcomed, but not necessarily what's best for her. I don't ...
by earlywynnfan
Mon Aug 10, 2020 9:32 pm
Forum: Personal Consumer Issues
Topic: New Clothes Dryer Questions & Recommendations
Replies: 18
Views: 1512

Re: New Clothes Dryer Questions & Recommendations

Bought SQ washer and became a convert. Year later, couldn't talk myself into paying 2x the money, saying "It's just a dryer." Bought highest-rated name dryer from big box store. Less than 16 months later, crap started to break. I didn't even bother with repairs, because by then the forums ...
by earlywynnfan
Mon Aug 10, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: What price range for Daughter's first car?
Replies: 122
Views: 5939

Re: What price range for Daughter's first car?

In Feb, bought my daughter a '16 Honda HR-V w/ under 30K miles for 14K. Hoping she has it for 10 years. I was expecting 50 responses of "tell her to buy her own damn car to learn the value of money" alternating with 50 responses of "get her a $500 car so she can learn how to fix it an...
by earlywynnfan
Sat Apr 18, 2020 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14586

Re: How many paid for kids' college?

Our path as parents was to put what we could in our retirement, and we busted it getting our house paid off. Now we are saving for college. Having a HS junior and sophomore, it's coming fast. For older, it's almost a given that she will continue at a local private college where she is currently taki...
by earlywynnfan
Wed Apr 15, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Is Stimulus $$ considered income for minor?
Replies: 4
Views: 257

Is Stimulus $$ considered income for minor?

Got the stimulus deposit today for my wife and I and our 15-year old (still find it odd that the 17-year old gets nothing!!) Is the $500 for the child: 1) considered income? 2) considered income for HER or ME? I'd like to put this in her Roth, but she has no other income so far, and who knows if she...
by earlywynnfan
Tue Apr 07, 2020 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have any recourse? Mortgage investor backed out of all jumbos
Replies: 40
Views: 4394

Re: Do we have any recourse? Mortgage investor backed out of all jumbos

My inarticulate way of meaning a loan that a broker gets from a lender for you. As opposed to the people I was talking to, who loan their own funds. I can send you the best one I came across if you want to PM me, assuming that's not against rules. She quoted me 4% on a rental home and 3.125 for a se...
by earlywynnfan
Tue Apr 07, 2020 8:57 pm
Forum: Personal Investments
Topic: Do we need to rebalance Vanguard Target Retirement Funds ?
Replies: 16
Views: 1295

Re: Do we need to rebalance Vanguard Target Retirement Funds ?

You are now free to remain an investing novice for the rest of your career! Just keep plowing money into that fund and when you're ready to retire, check your balance and you'll get the happiest heart attack ever! And you'll probably outperform 95% of your investing friends. That's the beauty of the...
by earlywynnfan
Tue Apr 07, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have any recourse? Mortgage investor backed out of all jumbos
Replies: 40
Views: 4394

Re: Do we have any recourse? Mortgage investor backed out of all jumbos

When putting in an offer for a house last week, two loan originators told me to be careful with mortgage brokers right now, they're starting to hear none of them can close loans. Pass through loans will be completely drying up.

Not saying this is gospel, just found it to be curious.
by earlywynnfan
Mon Mar 30, 2020 11:59 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56699

Re: How Is Your Job Being Impacted By The Current Crisis?

I know I'm miserable being an online teacher, but it could be worse.

Talked to a teacher here in SC the other day, she said they all go in once a week and run off copies of everything, and the parents have drive-thru pickup times.
by earlywynnfan
Mon Mar 30, 2020 10:15 am
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56699

Re: How Is Your Job Being Impacted By The Current Crisis?

Education field for 3/4's of our income. I go back to work today after an extended Spring Break which allowed us to move everything online. Classes began at 8 AM this morning using the online platform(s). A week to move everything online was really pushing it for most of us - especially since our p...
by earlywynnfan
Thu Mar 26, 2020 8:14 pm
Forum: Personal Investments
Topic: Will I ever have more than I put in?
Replies: 37
Views: 7849

Re: Will I ever have more than I put in?

Excellent post!

I can't get past Deepdrive complaining about Hawk Harrelson, though. Wonder how he feels now that he's in the HOF?
by earlywynnfan
Sun Mar 22, 2020 7:12 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 56699

Re: How Is Your Job Being Impacted By The Current Crisis?

Elementary school teacher, teaching online until April 6 (and NOBODY believes we'll go back then). Hating it, I got into teaching to work with kids, not write lesson plans and stare at a computer. BUT many have it worse than me, I know. Wife got laid off almost immediately, she's in marketing and th...
by earlywynnfan
Thu Mar 12, 2020 10:15 pm
Forum: Personal Investments
Topic: Moving from 3 fund to Target Fund...does this seem foolish?
Replies: 16
Views: 2507

Re: Moving from 3 fund to Target Fund...does this seem foolish?

No rebalancing, no worries, no questioning "Did I do this wrong?" for 0.06%?? I'm on that all day long. You said you'll lose $6500 over the long haul, which is after you've accumulated what, $1-2-3M?? You are going to win this game big time. My (usually universally ignored) opinion is find...
by earlywynnfan
Thu Mar 12, 2020 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Coming Into Money-Need Help With Savings/Debt/Investing-29 year old
Replies: 9
Views: 692

Re: Coming Into Money-Need Help With Savings/Debt/Investing-29 year old

I'd like to second masha. The first time I paid for a car with a check, I felt like a Big Man on Campus. Even if it was only a gently-used Honda. Between wife and 2 teenagers, I've bought 3 cars in the last 12 months, all by check, and I feel like someone should be giving me bonus points or a gold s...
by earlywynnfan
Tue Mar 10, 2020 9:17 am
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds
Replies: 12
Views: 1088

Re: Vanguard Target Retirement Funds

I am a huge proponent of TD funds and Lifestrategy, that's where all my money is. I feel that they are incredible vehicles for almost everybody. I understand that by "slice and dice" I could save thousands over the long run, but I'm willing to lose out on that so I can resist the temptatio...
by earlywynnfan
Fri Feb 28, 2020 5:09 pm
Forum: Personal Investments
Topic: Prudential 403b Help: First Investment Allocations
Replies: 7
Views: 325

Re: Prudential 403b Help: First Investment Allocations

Vanguard Institutional Index is an S&P 500 fund, appears to be very common in these situations. That's what I use in my 457. You don't mention your tax bracket, if you happen to be in the 12% and plan on maxing investing or are in a job where you'll be moving up the salary chart, a Roth is proba...
by earlywynnfan
Fri Feb 07, 2020 2:05 pm
Forum: Personal Consumer Issues
Topic: Cars for kids upon college graduation
Replies: 48
Views: 3181

Re: Cars for kids upon college graduation

Have 10th and 11th graders. Both are/will be taking college prep programs at different HS 20-30 min away, plus both are taking classes at local colleges. We have bought both late model used Hondas. We don't want them breaking down, we want recent safety features. The goal is for them to be able to u...
by earlywynnfan
Thu Feb 06, 2020 12:39 pm
Forum: Personal Investments
Topic: Investing Newbie
Replies: 23
Views: 1073

Re: Investing Newbie

What he's referring to is Jack Bogle's 3-fund portfolio, easily found on the wiki page (or anywhere on google.) If you believe in this investing strategy, which pretty much everybody on here does, you want to invest in low-cost index funds, and Vanguard, Fidelity, and Schwab are the most common plac...
by earlywynnfan
Thu Feb 06, 2020 10:31 am
Forum: Personal Investments
Topic: Is NYC 457 Roth the best option for my portfolio?
Replies: 7
Views: 555

Re: Is NYC 457 Roth the best option for my portfolio?

I'm willing to bet No. Who is the provider, and what are the fees? In my district, AXA and Valic are the scourge of my life.
by earlywynnfan
Wed Jan 29, 2020 2:01 pm
Forum: Personal Investments
Topic: AXA Advisor - VUL and Term Insurance
Replies: 36
Views: 1598

Re: AXA Advisor - VUL and Term Insurance

OP, how about checking out the numbers this way: Ask him how much he feels you need in insurance. Ask him how much you'd need to put in on a monthly/yearly basis. Have him show what this will do for you. Price TERM life insurance for the same coverage. Invest the difference in a smart index fund of ...
by earlywynnfan
Mon Jan 27, 2020 12:50 pm
Forum: Personal Investments
Topic: Which of these is best for 403B?
Replies: 7
Views: 561

Re: Which of these is best for 403B?

Goodness Gracious, I thought my plan had a lot of annuity-pushers!!

I called every single one of mine to find anything worthwhile. If you choose to do that, my suggestion would be to set aside any that have "annuity" or "insurance" in the title.
by earlywynnfan
Sun Jan 26, 2020 10:25 am
Forum: Personal Investments
Topic: Investment Planning
Replies: 9
Views: 906

Re: Investment Planning

I am very sorry, maybe I'm cranky this morning, but I cannot get past this: Your wife took loans so she could get a degree leading to a (seemingly) great job where she, along with her husband, has the ability to not only put money away for retirement, but actually save $10K per month? And you're hop...
by earlywynnfan
Sat Dec 14, 2019 9:51 am
Forum: Personal Investments
Topic: Strategy for 2020
Replies: 6
Views: 1045

Re: Strategy for 2020

I'm 50 with a decent pension waiting for me, also. I'm a huge fan of Vanguard's Lifestrategy funds. Keeps me aggressive enough the rest of the way and the auto-rebalancing is well worth the slightly extra ER to me.
by earlywynnfan
Thu Dec 12, 2019 12:50 pm
Forum: Personal Investments
Topic: Does it matter if I add to a taxable brokerage account in December or January?
Replies: 17
Views: 948

Re: Does it matter if I add to a taxable brokerage account in December or January?

If you buy a mutual fund in December in a taxable account there is a risk that you will "buy a dividend" and that dividend will be taxable income. Example, you buy 1 share of ABC on December 15 for $50 and it pays a $5 dividend on December 20. The $5 dividend is taxable income whether you...
by earlywynnfan
Mon Dec 09, 2019 1:04 pm
Forum: Personal Investments
Topic: Please critique my strategy for new contributions allocation
Replies: 7
Views: 600

Re: Please critique my strategy for new contributions allocation

If you want an AA to stay at 80/20, I don't think you want the Target Date fund, it slowly changes. You probably want the Lifestrategy Growth fund, it stays at 80/20 forever.
by earlywynnfan
Sun Nov 03, 2019 12:49 pm
Forum: Personal Investments
Topic: Principal fees ridiculous!
Replies: 32
Views: 3538

Re: Principal fees ridiculous!

Right, but per OP, her account will turn into an annuity when she retires. I do not believe the original poster is reading that correctly. I don't think we've ever heard of a 403b plan that cannot be rolled into an IRA. Probably. Maybe it's rolled into a pension-like annuity if people don't know wh...
by earlywynnfan
Sun Nov 03, 2019 10:39 am
Forum: Personal Investments
Topic: Principal fees ridiculous!
Replies: 32
Views: 3538

Re: Principal fees ridiculous!

Isn't "turning it into an annuity stream" basically a pension?? Not sure how that's a bad thing. Sounds like a SPIA. An annuity stream is not a bad thing per se. The problem is that many/most annuities have high expenses all those years before you get to the income stream. A SPIA generall...
by earlywynnfan
Sun Nov 03, 2019 9:10 am
Forum: Personal Investments
Topic: Principal fees ridiculous!
Replies: 32
Views: 3538

Re: Principal fees ridiculous!

Isn't "turning it into an annuity stream" basically a pension?? Not sure how that's a bad thing. Sounds like a SPIA.
by earlywynnfan
Sun Nov 03, 2019 9:02 am
Forum: Personal Investments
Topic: Using 403(b) or 457(b)
Replies: 13
Views: 1129

Re: Using 403(b) or 457(b)

Do you have a deferred comp via the 457? We do in OH. very low fees. All my 403B providers are expensive, and I called every single one.
by earlywynnfan
Sat Nov 02, 2019 10:00 am
Forum: Personal Finance (Not Investing)
Topic: how does Personal Umbrella Insurance work?
Replies: 28
Views: 3211

Re: how does Personal Umbrella Insurance work?

Just paying my umbrella policy today. I inquired about upping from $1m to $3m, for my it would increase the price from $310/yr to $589/yr.
by earlywynnfan
Sat Nov 02, 2019 9:50 am
Forum: Personal Finance (Not Investing)
Topic: WWYD w/ house dwnpmt, 10 yr window
Replies: 3
Views: 609

Re: WWYD w/ house dwnpmt, 10 yr window

Thanks to both of you. Watty, this is exactly where I was thinking of putting the money. Should I reinvest the dividends? As for the combining pots, that's what I had been doing, but two car purchases out of the account was a mental blow, even though my logic told me what was happening. So separatin...
by earlywynnfan
Fri Nov 01, 2019 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD w/ house dwnpmt, 10 yr window
Replies: 3
Views: 609

WWYD w/ house dwnpmt, 10 yr window

Just throwing this out there for opinions. Long story short, have an extra taxable account set aside for future purchase of retirement 2nd home. I'm good on retirement investing, have a nice emergency fund, zero debt, etc. Have started putting money into the Retirement Home bucket, with plans on pur...
by earlywynnfan
Thu Oct 17, 2019 1:42 pm
Forum: Personal Investments
Topic: 401a, 403b and 457b
Replies: 30
Views: 1979

Re: 401a, 403b and 457b

you also might want to see if CA falls under the windfall provision. In OH, public workers with pensions have SS reduced greatly. Hate to see you bank on that and find out you don't get it all.

Ken
by earlywynnfan
Wed Oct 16, 2019 10:09 pm
Forum: Personal Investments
Topic: 401a, 403b and 457b
Replies: 30
Views: 1979

Re: 401a, 403b and 457b

I'm pretty positive that you cannot enroll in the 401A account. She is in PERS. The 401A appears to be set up for clerical, custodial, part-timers, etc who aren't eligible for PERS.
by earlywynnfan
Wed Oct 16, 2019 2:38 pm
Forum: Personal Investments
Topic: SC teacher retirement help
Replies: 14
Views: 1833

Re: SC teacher retirement help

Not sure if I'll be of help, here's my experience as an OH teacher: OH deferred comp seems to match yours, very low fees, and a couple choices in each category. I use the Institutional index, mine has a better bond fund than you seem to have. There's always the Target Date funds. I had to initiate i...