Search found 114 matches

by BHawks87
Mon Jul 23, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Auto Insurance Deductibles
Replies: 12
Views: 1012

Auto Insurance Deductibles

My wife and I have a 2011 and 2010 car with a bluebook value of about 5k-6k each. We currently have a $500 collision and $100 comprehensive deductible but we are thinking those are too low and we could save some money by increasing those. If we have a fully stocked emergency fund what is the recomme...
by BHawks87
Tue May 15, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Any way to buy fractional shares of index funds?
Replies: 4
Views: 539

Any way to buy fractional shares of index funds?

Sounds silly but my wife and I are collecting cans from co workers and friends and returning them for money. Just for the fun of it we would like to set up an investment account with just our can proceeds to see how much we can get!

Any way to invest $10-$20 a month in index funds?
by BHawks87
Sun Sep 11, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with new 401k fund selections
Replies: 5
Views: 802

Re: Assistance with new 401k fund selections

delamer wrote:You listed FSPNX twice in your proposed portfolio.

Oops thanks. Fixed with the proper bond fund.
by BHawks87
Sun Sep 11, 2016 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance with new 401k fund selections
Replies: 5
Views: 802

Assistance with new 401k fund selections

I just started a new job and have the following fund choices: (sorry for the poor formatting) NUVEEN WIN LGCP GR I (NVLIX) 05/15/2009 Stock Investments Large Cap Growth 0.91% No additional fees apply. FID 500 INDEX INST (FXSIX) 02/17/1988 Stock Investments Large Cap Blend 0.035% No additional fees a...
by BHawks87
Mon Jan 18, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Opened Roth at Vanguard. Cancel transaction?
Replies: 2
Views: 1033

Opened Roth at Vanguard. Cancel transaction?

My girlfriend and I just opened up Roth IRAs at Vanguard yesterday and I made a mistake while opening. I opened the accounts with $1,000 and then made a $1,000 buy into a target retirement fund. I thought the buy would come from my initial $1,000 deposit I used to open the account but it is pulling ...
by BHawks87
Sun Mar 09, 2014 7:24 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 13124

Re: Hospital wants me to prepay for procedure. Normal?

Thanks everyone for the responses. I will call my insurance tomorrow and see what they say about this. The hospital did say I can pay 20% if I pay in cash which they said would be around $300. It seems my bill would be higher than that after insurance but I would still feel better having the bill go...
by BHawks87
Sun Mar 09, 2014 6:30 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 13124

Re: Hospital wants me to prepay for procedure. Normal?

I'm guessing this is an elective medical procedure (for instance, cosmetic surgery <--- Not saying that it is cosmetic surgery here, but using that as an example of elective surgery). Yes it is an elective surgery. Is this normal for elective surgery? Will they deny me if I say no to prepaying?
by BHawks87
Sun Mar 09, 2014 5:54 pm
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 13124

Hospital wants me to prepay for procedure. Normal?

I'm having surgery in a couple weeks and the hospital called me and went over my insurance plan (deductible, out of pocket max, etc) and gave me an estimated cost for my surgery based on all of the above and they want me to pay that amount on the day of the surgery. I just recently got off of my par...
by BHawks87
Fri Feb 21, 2014 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down debt while acquiring more debt
Replies: 3
Views: 524

Re: Paying down debt while acquiring more debt

EmergDoc wrote:Is it elective?

Yes but to me its necessary.

Hip FAI to be specific. Are you familiar with it?
by BHawks87
Fri Feb 21, 2014 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down debt while acquiring more debt
Replies: 3
Views: 524

Paying down debt while acquiring more debt

I'm currently trying to pay off my student loans (~$20,000 @ 6.8%) and am about to have a surgery that will cost me $4,000ish. My plan is to open a credit card with a zero interest introductory rate and a good reward for spending X amount in the first few months and then paying a certain amount each...
by BHawks87
Wed Jan 15, 2014 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Involve insurance on this surgery?
Replies: 17
Views: 1108

Re: Involve insurance on this surgery?

If you already decided on a doctor that is performing the surgery and the doctor is out of network, ask the doctor as to what the total cost would be. Check if they give any discount for direct/immediate payments personally rather than going through insurance. Without knowing the range of total cos...
by BHawks87
Wed Jan 15, 2014 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Involve insurance on this surgery?
Replies: 17
Views: 1108

Re: Involve insurance on this surgery?

If you already decided on a doctor that is performing the surgery and the doctor is out of network, ask the doctor as to what the total cost would be. Check if they give any discount for direct/immediate payments personally rather than going through insurance. Without knowing the range of total cos...
by BHawks87
Wed Jan 15, 2014 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Involve insurance on this surgery?
Replies: 17
Views: 1108

Involve insurance on this surgery?

I recently picked up my own insurance plan through my employer (was on my parents plan before) and am really confused about deductibles and out of pocket maximum. I'm having a surgery in a few months and it is by an out of network provider so my deductible is $1,250 and after that insurance pays 50%...
by BHawks87
Tue Jan 07, 2014 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Put some of emergency fund into Roth IRA?
Replies: 10
Views: 1258

Re: Put some of emergency fund into Roth IRA?

Should I put $1,000 (minimum to open a Target Retirement Account) into a Roth IRA this year so that it isn't just sitting in a savings account making close to nothing as well as increasing my tax return? I used a Turbo Tax calculator and if I were to open a Roth IRA with $1,000 then its estimated t...
by BHawks87
Tue Jan 07, 2014 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Put some of emergency fund into Roth IRA?
Replies: 10
Views: 1258

Re: Put some of emergency fund into Roth IRA?

One may use a Roth IRA as a container for one's emergency fund. In particular, if the choice for a wad of money is to fund Roth IRA or to fund emergency fund, the choice should always be fund Roth IRA. But once again, if this is an emergency fund within a Roth IRA, perhaps one should invest conserv...
by BHawks87
Tue Jan 07, 2014 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Put some of emergency fund into Roth IRA?
Replies: 10
Views: 1258

Put some of emergency fund into Roth IRA?

Should I put $1,000 (minimum to open a Target Retirement Account) into a Roth IRA this year so that it isn't just sitting in a savings account making close to nothing as well as increasing my tax return? I used a Turbo Tax calculator and if I were to open a Roth IRA with $1,000 then its estimated th...
by BHawks87
Tue Nov 19, 2013 2:38 pm
Forum: Investing - Theory, News & General
Topic: Quality investing books for a 14 year old?
Replies: 8
Views: 840

Quality investing books for a 14 year old?

I would like to buy a couple of books for my 14 year old nephew for Christmas. Are there any books that would be informative yet easy for a 14 year old with no knowledge of saving or investing to understand? The only one I can think of is The Richest Man in Babylon to introduce him to the concept of...
by BHawks87
Fri Sep 06, 2013 9:55 pm
Forum: Personal Consumer Issues
Topic: Verizon - tracking data usage
Replies: 20
Views: 1991

Re: Verizon - tracking data usage

Perhaps you can contact the NSA and ask them how much data you have used? :oops: Theres an app I use called 3g watchdog that sits in the background and tracks your usage without using much battery. I just got a new phone and haven't installed it yet but I believe it also tracks which apps use how mu...
by BHawks87
Tue Aug 13, 2013 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Do student loans qualify as a hardship by the IRS?
Replies: 9
Views: 1663

Re: Do student loans qualify as a hardship by the IRS?

That seems extreme...working people come to a point where they need their vacation, and it does them good. I think you will also within a year or two. -- Tet I just want to get rid of all this debt and thats my priority right now. I can take a vacation later as a celebration of being debt free. Is ...
by BHawks87
Sat Aug 10, 2013 4:49 am
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Re: Paying down debt... Should I open a Roth IRA?

scubadiver wrote:How much student loan debt do you have and at what rates?
I have about $10k @ 6.2%
$5k @ 6.5%
$2.5k @ 2.5%
$2k @ 6.8%

And also a car loan for $9k @ 2.9%
by BHawks87
Fri Aug 09, 2013 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Re: Paying down debt... Should I open a Roth IRA?

http://www.irs.gov/uac/Newsroom/Plan-Now-to-Get-Full-Benefit-of-Saver%E2%80%99s-Credit;-Tax-Credit-Helps-Low-and-Moderate-Income-Workers-Save-for-Retirement Sorry, the first one was what you could still do after the year ended. 401Ks count, too, so you may be covered. Thank you. I will see how much...
by BHawks87
Fri Aug 09, 2013 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Re: Paying down debt... Should I open a Roth IRA?

Bob's not my name wrote:
BHawks87 wrote:
BL wrote:I'm fresh out of college
You may be ineligible. Read the requirements regarding taxpayers who were full time students this year. Also, the credit is not limited to Roth IRAs.

I'm not that fresh out of college. I graduated last year so I was not a student this year.
by BHawks87
Fri Aug 09, 2013 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Re: Paying down debt... Should I open a Roth IRA?

I think OP is referring to Saver's Credit. This also depends on your income. http://www.irs.gov/uac/Newsroom/Plan-Now-to-Get-Full-Benefit-of-Saver%E2%80%99s-Credit;-Tax-Credit-Helps-Low-and-Moderate-Income-Workers-Save-for-Retirement Thanks for the link. I'm fresh out of college and (unfortunately)...
by BHawks87
Fri Aug 09, 2013 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Re: Paying down debt... Should I open a Roth IRA?

http://www.investopedia.com/articles/retirement/05/022105.asp I'm currently investing in my 401k up to the company match and then using everything else to pay down my student loans. I already have an emergency fund. Should I use $1,000 to open up a Roth IRA and put it into a target retirement fund s...
by BHawks87
Fri Aug 09, 2013 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Paying down debt... Should I open a Roth IRA?
Replies: 13
Views: 1234

Paying down debt... Should I open a Roth IRA?

I'm currently investing in my 401k up to the company match and then using everything else to pay down my student loans. I already have an emergency fund. Should I use $1,000 to open up a Roth IRA and put it into a target retirement fund so that I get the tax refund at the end of the year for contrib...
by BHawks87
Thu Aug 08, 2013 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do student loans qualify as a hardship by the IRS?
Replies: 9
Views: 1663

Re: Do student loans qualify as a hardship by the IRS?

tetractys wrote:That seems extreme...working people come to a point where they need their vacation, and it does them good. I think you will also within a year or two. -- Tet
I just want to get rid of all this debt and thats my priority right now. I can take a vacation later as a celebration of being debt free.
by BHawks87
Thu Aug 08, 2013 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do student loans qualify as a hardship by the IRS?
Replies: 9
Views: 1663

Re: Do student loans qualify as a hardship by the IRS?

Bogle101 wrote:What is PTP time ?
Vacation time. You accrue a certain amount each week that you can use as time off or you can cash it out.

I don't plan on taking a vacation until I'm out of debt so I'll save a week or so incase I get sick and cash the rest out.
by BHawks87
Thu Aug 08, 2013 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Do student loans qualify as a hardship by the IRS?
Replies: 9
Views: 1663

Re: Do student loans qualify as a hardship by the IRS?

gerrym51 wrote:i believe no
That's what I'm thinking as well. Unless I default on the loan then maybe it qualifies.
by BHawks87
Thu Aug 08, 2013 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Do student loans qualify as a hardship by the IRS?
Replies: 9
Views: 1663

Do student loans qualify as a hardship by the IRS?

I have a ton of PTP time accrued at work and I can exchange it for cash but I will have to pay a 10% penalty on the cash out unless the request is to assist with an economic hardship as defined by IRS regulations. I want to cash some of this time out to pay down my student loans. Do you think that q...
by BHawks87
Sun Jul 28, 2013 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use CreditKarma?
Replies: 15
Views: 2099

Re: Does anyone use CreditKarma?

I use it. I just logged in. It had been a while. The layout is a little different, but I just ignored the offer to link my other accounts. It appears to be just as useful as ever. For a free e, it seems fine to me. Hmmmm interesting. I installed the mobile app and everything seems to be accurate. T...
by BHawks87
Sun Jul 28, 2013 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone use CreditKarma?
Replies: 15
Views: 2099

Does anyone use CreditKarma?

I have an account there and use to check it all the time but now they changed the layout and want me to link my accounts like on mint.com. I haven't used the site since but I liked watching how my credit improved over time. Does anyone currently use it? Is there a similar site that's free that can t...
by BHawks87
Sat Jun 22, 2013 1:15 pm
Forum: Personal Consumer Issues
Topic: Debt collectors constantly calling me for my parents debt
Replies: 17
Views: 3196

Debt collectors constantly calling me for my parents debt

I get 3-4 calls a week from a debt collector asking if I'm my dad or if I know where my dad is. I have told them numerous times that I am not him and asked them to remove me from their list. They call my cell phone and leave messages and if I reject the call they will keep calling back until they ca...
by BHawks87
Mon May 27, 2013 1:41 pm
Forum: Personal Consumer Issues
Topic: What are your favorite android smartphone apps?
Replies: 50
Views: 7700

Re: What are your favorite android smartphone apps?

Mint.com app (if you use it) Cardio trainer - if you walk/run/bike this app will track your route along with your pace/calories burned/distance/speed/elevation. Tasker - app that let's you automate pretty much anything on your phone. Difficult to use but once you learn its very useful. You can have ...
by BHawks87
Thu Feb 14, 2013 2:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chicago chapter meeting
Replies: 60
Views: 8485

Re: Chicago chapter meeting

Thinking about it, we might be able to find a restaurant that has a room you can reserve. As long as we all order dinner there is often no charge. I don't know if they offer those rooms on a Friday or not. Maggiano's has these rooms for sure as I have been to dinners in the Chicago and Naperville i...
by BHawks87
Tue Feb 05, 2013 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Any books or sites to help with health insurance selection?
Replies: 5
Views: 712

Any books or sites to help with health insurance selection?

I'm a big boy now and am getting off my parents insurance and getting my own. I have a few months before I have to decide which selections to make but I have no idea what the pros or cons are of the different plans. Any good book recommendations? Should I get dental and vision? I wear contacts so I ...
by BHawks87
Wed Jan 23, 2013 4:43 pm
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 66
Views: 19760

Re: How much to spend on a new washer & dryer

I don't know anything about appliances and have never researched them but the repair guy I use for my appliances said to buy the cheaper models because the parts that tend to break are all the same. Maybe he wanted me to buy the cheaper appliances so he would get more business or maybe he was being ...
by BHawks87
Thu Jan 17, 2013 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Would you rebalance if you were me?
Replies: 9
Views: 919

Re: Would you rebalance if you were me?

Are you adding new money to the portfolio? If yes, just direct the new money to the asset class that is below target - bonds in this case. That would be my preferred method but its in my 401k account and I believe it takes a few weeks for the changes to happen. So it would be three weeks before my ...
by BHawks87
Thu Jan 17, 2013 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Would you rebalance if you were me?
Replies: 9
Views: 919

Re: Would you rebalance if you were me?

Are you adding new money to the portfolio? If yes, just direct the new money to the asset class that is below target - bonds in this case. That would be my preferred method but its in my 401k account and I believe it takes a few weeks for the changes to happen. So it would be three weeks before my ...
by BHawks87
Thu Jan 17, 2013 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Would you rebalance if you were me?
Replies: 9
Views: 919

Would you rebalance if you were me?

My desired allocation is 80/20 and my bonds have currently dipped down to 18.5%. Should I rebalance it or let it drop down to 5%, or more?
by BHawks87
Thu Jan 10, 2013 2:50 pm
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 8856

Re: Get a Scanner!

If someone wants to scan items but doesn't want to dish out the money for a scanner then you can get a scanner app for your smart phone. You take a picture of your papers and then they are converted to a PDF file. This was a life saver while I was in school. Its very useful for when on the go as wel...
by BHawks87
Wed Jan 02, 2013 6:31 pm
Forum: Investing - Theory, News & General
Topic: Why do Vanguard and Fidelity have such weak passwords?
Replies: 86
Views: 8624

Why do Vanguard and Fidelity have such weak passwords?

I just started using KeePass to manage all of my passwords and surprisingly Vanguard and Fidelity have the weakest passwords out of every forum, bank, credit card, website, and e-mail that I use. Is this because they are encrypted in someway by Vanguard and Fidelity on their end that would make it m...
by BHawks87
Fri Dec 14, 2012 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Good finance book for teenagers?
Replies: 14
Views: 2155

Good finance book for teenagers?

I want to get my 13 year old nephew a book or two to introduce him to saving and investing at an early age. I googled and found some books but I was wondering if anyone knows of some good ones that they have read or have given to someone they know. A boglehead type book would be preferred but I'm su...
by BHawks87
Wed Dec 12, 2012 10:45 pm
Forum: Personal Consumer Issues
Topic: Book Suggestion: Positive Thinking.
Replies: 23
Views: 2924

Re: Book Suggestion: Positive Thinking.

Man's Search for Meaning by Vicktor E. Frankl.

He was a Jewish psychiatrist who survived the holocaust and talks about life in concentration camps and how ones mindset determined if they would survive or not. Very good book.
by BHawks87
Sun Dec 09, 2012 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Perhaps I dont quite understand bonds
Replies: 43
Views: 3401

Re: Perhaps I dont quite understand bonds

` I'm not an expert on bonds, but here is what I think is maybe going on: When interest rates rise, bond prices fall. When interest rates fall, bond prices rise. When interest rates are 6%, you don't really know whether rates will go up to 8%, or drop to 4%. But today, the benchmark interest rate i...
by BHawks87
Sun Dec 09, 2012 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Perhaps I dont quite understand bonds
Replies: 43
Views: 3401

Perhaps I dont quite understand bonds

It seems like there are a lot of folks on here who are dropping their bond allocation, changing to TIPS, or changing bond funds because of the change in interest rates. Wouldn't that be market timing or am I missing something here?
by BHawks87
Wed Nov 28, 2012 10:59 pm
Forum: Investing - Theory, News & General
Topic: Does anyone invest in canned goods, ammo, etc. .
Replies: 28
Views: 2745

Does anyone invest in canned goods, ammo, etc. .

Just in case the worst happens...
by BHawks87
Mon Nov 19, 2012 3:35 pm
Forum: Investing - Theory, News & General
Topic: What would make you break the philosophy "stay the course"
Replies: 25
Views: 2361

What would make you break the philosophy "stay the course"

Is there any event that would cause you to abandon ship and not "stay the course"? I'm 25 and just starting out and will do my best to always stay the course but what would qualify as a significant enough event to steer off course?

What about for someone who is close to retirement or in retirement?
by BHawks87
Fri Nov 09, 2012 11:49 pm
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 52
Views: 28848

Re: Getting another key made for my car

Thank you for everyone's replies in here. I think I will just go with the dealer and buy a "real" key as opposed to getting one from a locksmith or ordering one from online. After doing my research it appears that I can program the door locks/unlocks myself but the key will need to be programmed to ...
by BHawks87
Thu Nov 08, 2012 10:26 am
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 52
Views: 28848

Re: Getting another key made for my car

Some vehicles can also "program" a new key themselves (really it's just training them to recognize the key), saving you a great deal of hassle. It all depends on what car it is. I love google (and even YouTube). The OP should try it (or them). Prepare vehicle by closing and locking all doors except...
by BHawks87
Thu Nov 08, 2012 12:57 am
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 52
Views: 28848

Re: Getting another key made for my car

Give us year, make, and model. Dealers can cut you new keys with proof of ownership without a current key. A good locksmith will program a new master key (along with new valet keys and the car's "immobilizer") for much less than the dealer does. For $165, an independent locksmith reprogrammed/resee...