Search found 138 matches

by Clark & Addison
Fri Nov 17, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1707

Re: Questions for Boglehead runners

In fifth grade, I vowed to run every single day without fail -- a promise I kept until recently when I had a minor injury (not from running). But I'm back in the groove. Just curious, how long of a streak was this? Throughout high school, college and my career. Many years. Keep in mind though that ...
by Clark & Addison
Fri Nov 17, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Questions for Boglehead runners
Replies: 28
Views: 1707

Re: Questions for Boglehead runners

In fifth grade, I vowed to run every single day without fail -- a promise I kept until recently when I had a minor injury (not from running). But I'm back in the groove.



Just curious, how long of a streak was this?
by Clark & Addison
Thu Sep 14, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 4348

Re: Advice Badly Needed---Meeting with Financial Advisor

Definitely cancel the meeting. Read the wiki here on getting started. Many 403b's are poor products (I'm a teacher and mine is bad). Post your list of 403b provider options and others on here can let you know what your best option is. It's usually worth using the 403b at least up to any match you ma...
by Clark & Addison
Fri Jul 07, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life Insurance
Replies: 8
Views: 694

Re: Transamerica Life Insurance

I do. Have had for around ten years. No issues thus far. Hopefully won't ever use it.
by Clark & Addison
Fri May 12, 2017 9:59 pm
Forum: Personal Consumer Issues
Topic: Do I have a problem in the backyard in need of a professional?
Replies: 34
Views: 5160

Re: Do I have a problem in the backyard in need of a professional?

Looks like a crawdad (crayfish/crawfish are the same thing) hole to me. They're more common in rainy seasons or near streams. Smash it flat. More may pop up here and there, just smash them when you see them. They're not a problem.
by Clark & Addison
Mon Apr 24, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 5449

Re: Zero-Turn Mowers

I'm piggybacking onto this thread as I'm also in the market for a ride on/zero turn mower. My only question is how are the zero turn on hills? I have one section of my back yard that has a pretty decent slope (maybe not quite 30 degrees but I bet it's close). Is a zero-turn out of the question? Zer...
by Clark & Addison
Mon Apr 24, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 5449

Re: Zero-Turn Mowers

Is there much of a learning curve to go from steering wheels to sticks? Not really. The vast majority of zero turns are stick controlled, so that should tell you they can't be too hard to control. After mowing with the sticks a time or two you will be fine. As others have mentioned, the steering wh...
by Clark & Addison
Sun Apr 23, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Zero-Turn Mowers
Replies: 52
Views: 5449

Re: Zero-Turn Mowers

I personally like the dual stick controls, but that is what I'm used to. My dad has a zero turn mower with a steering wheel and the advantage is that it's harder to spin theā€‹ rear tires than with the dual sticks. This is nice for his yard that is irrigated because his previous zero turn would tear u...
by Clark & Addison
Wed Apr 12, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) Option Help
Replies: 30
Views: 1982

Re: 403(b) Option Help

I assume that since you're asking about 403b advice that the Roth you mentioned is for a Roth 403b, but I want to give you another heads up. I am a K12 teacher too, and when I was your age I had my Roth IRA with one of the insurance companies that came and visited the school. I was not aware of what...
by Clark & Addison
Tue Feb 28, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 5059

Re: Grass trimmer

I've used this Echo trimmer (http://www.homedepot.com/p/ECHO-2-Cycle-21-2cc-Straight-Shaft-Gas-Trimmer-SRM-225/100675439) for the last four years and have never had a problem. The bump feed line works just like it is supposed to and is very easy to reload. Price is a little more than you wanted to s...
by Clark & Addison
Fri Feb 10, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: The 6 403b Companies Offered Where I Teach
Replies: 19
Views: 1541

Re: The 6 403b Companies Offered Where I Teach

Not sure what your total portfolio looks like, but here's what I did with similar options. Luckily my wife has a good 401k through Fidelity, so after maxing both of our Roth's, we put more money towards her 401k than we do to my 403b. I use Horace Mann and their guaranteed fund at 2.5%. Their guaran...
by Clark & Addison
Tue Jan 03, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 9286

Re: Are Younger people funding 529 Plans?

A 20% tax credit seemed too good to pass up. So is that social engineering where a state government will try to have more customers to its public universities in the future that pay their own tuitions and expenses while costing said customer reduced retirement assets? Possibly, but the 529 can be u...
by Clark & Addison
Tue Jan 03, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 9286

Re: Are Younger people funding 529 Plans?

We are both 33. We started funding a 529 when our first child was born 8 years ago to take advantage of the state tax credit. A 20% tax credit seemed too good to pass up.
by Clark & Addison
Sat Dec 10, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Moving an 8ft slate pool table
Replies: 12
Views: 1159

Re: Moving an 8ft slate pool table

I've moved one twice. Two people can move it without problem once it's taken apart. Like others have said, as long as they are careful taking it apart and are careful putting it back together I don't see a reason to hire someone.
by Clark & Addison
Sat Sep 03, 2016 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: investing in a 403b
Replies: 6
Views: 948

Re: investing in a 403b

Check with Valic to see if that .32% is the total fee. Usually the insurance companies that deal with 403b plans use annuities which a lot of times add 1% or more in the form of M&E fees on top of the expense ratios of the funds. In my experience with one of your listed providers that was the case f...
by Clark & Addison
Wed May 18, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Dark wood tile floors (not real wood)
Replies: 10
Views: 2210

Re: Dark wood tile floors (not real wood)

No experience with the hardwood looking tile, but we just built a new house and did not use dark hardwood (we used a medium colored hardwood) for the same reasons. I would be very surprised if the dark tile didn't show dust/dirt. I think your friend is correct. You may get better answers on the Houz...
by Clark & Addison
Thu May 05, 2016 5:40 am
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5148

Re: 403b provider choices

I talked with our district's Security Benefit representative last week and asked him if he knew anything about the Direct Invest option. He said that he had just recently heard of it and that I was the first person to ask him about it. He knew very little about it, but was interested in learning mor...
by Clark & Addison
Thu May 05, 2016 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Campaigning for a better 403b plan help
Replies: 9
Views: 994

Re: Campaigning for a better 403b plan help

There is lots of good information on 403b plans on the 403bwise.com site.
by Clark & Addison
Wed Feb 17, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5148

Re: 403b provider choices

Does anybody know if you have to be an NEA member to use the Security Benefit NEA/Direct Invest 403b? Security Benefit is one of our options, but I am not and NEA member.
by Clark & Addison
Wed Feb 17, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Water Softener - Required?
Replies: 24
Views: 2155

Re: Water Softener - Required?

Test the water to see how hard it is, and go from there. Agreed. Some areas have really hard water and some don't. If the water is too hard it can cause problems with appliances that use water and your faucets whether or not you drink it. Soft water also uses less soap and is supposedly better for ...
by Clark & Addison
Fri Jan 29, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403b provider choices
Replies: 58
Views: 5148

Re: 403b provider choices

Does her 403b have a match? My school district offers a 1% match, so even though the options aren't good, I find it worth it to contribute just enough to get the match. Then we do what you have proposed. We put just enough into my 403b and put a much larger amount into my wife's 401k becuase it is a...
by Clark & Addison
Sun Jun 14, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 21555

Re: Gifting Money at Parties

We are a teacher and nurse in a low cost of living area. Most weddings we attend are in the $15-$20 per plate price range. $50 for non-family members is typical for us.
by Clark & Addison
Wed Jun 03, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Bread Machines?
Replies: 41
Views: 4138

Re: Bread Machines?

I have a never used bread machine. I guess I should give it away, but my brother gave it to me. Worse, I had asked for it :D Next topic, waffle irons. So do we. I talked my wife out of registering for a bread machine when we got married eight years ago, so her mom got her one for Christmas. It has ...
by Clark & Addison
Thu Apr 23, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds Poll
Replies: 72
Views: 6666

Re: Age in Bonds Poll

We're at age-10 in bonds and plan to stay at age-10.
by Clark & Addison
Fri Mar 20, 2015 7:17 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 8422

Re: Hearse as daily driver?

I would, but I'm fairly confident my wife would have nothing do do with it.
by Clark & Addison
Tue Mar 03, 2015 6:19 am
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 8679

Re: Taylor Larimore Honored

Congratulations Taylor!
by Clark & Addison
Mon Feb 23, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: Who's going to Disney this summer?
Replies: 84
Views: 9127

Re: Who's going to Disney this summer?

We went to Disney World the last week of January. It cost just over $1200 for four day passes for a family of four just in ticket prices. We lucked out and stayed with family in the area and drove back and forth to the parks each day. Our total trip including tickets, fuel from Indiana, and food cos...
by Clark & Addison
Fri Feb 13, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Before building your house, what should you haven known/read
Replies: 14
Views: 1890

Re: Before building your house, what should you haven known/

I don't have any book titles for you, but I have learned a lot on the GardenWeb forum linked below. It was just taken over by Houzz, but it still seems like a great resource.

http://ths.gardenweb.com/forums/build/
by Clark & Addison
Tue Feb 03, 2015 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 50
Views: 5767

Re: Poll: Do you contribute max to tax-advantaged before 529

We max our Roth's but not our 401k and 403b (bad account anyways). We contribute to our state 529's to receive a 20% tax credit. I don't ever intend to put more into the 529's than the state credits, but that $1,000 tax credit is too hard for me to pass up.
by Clark & Addison
Fri Dec 19, 2014 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to move UTMA from Edward Jones?
Replies: 4
Views: 947

Re: How to move UTMA from Edward Jones?

I finally got around to going in to Edward Jones today to close my two son's UTMA accounts. Surprisingly, EJ guy did not try to convince me to leave them at EJ. He did ask if I would tell him where I planned to move them to, and I told him Vanguard. He then said if anytime in the future I decide I w...
by Clark & Addison
Thu Dec 18, 2014 9:46 am
Forum: Investing - Help with Personal Investments
Topic: campaign for better 403B
Replies: 19
Views: 1770

Re: campaign for better 403B

sschullo wrote:You might be interested in my free electronic book coming out next month about the 403b with K-12 school districts.
sschullo, how can I find out more information about your book?
by Clark & Addison
Wed Nov 12, 2014 11:47 am
Forum: Investing - Help with Personal Investments
Topic: How to move UTMA from Edward Jones?
Replies: 4
Views: 947

How to move UTMA from Edward Jones?

My boys (ages 6 & 3) have UTMA's with myself as the custodian at Edward Jones. These accounts were set up and funded by my wife's aunts which they contribute to for birthday's and Christmas. Both accounts were totally invested in Franklin Income Fund Class A (fkinx--4.25% initial sales charge, 0.62%...
by Clark & Addison
Sat Oct 11, 2014 5:13 pm
Forum: Personal Consumer Issues
Topic: Building a New House, Advice please.
Replies: 66
Views: 8420

Re: Building a New House, Advice please.

I don't have any specific advice, but a good place to look for advice is on the GardenWeb forums. We are still in the planning stages of our custom build, but we have gotten lots of advice/suggestions/ideas from people over there.

http://ths.gardenweb.com/forums/build/
by Clark & Addison
Fri Oct 03, 2014 11:56 am
Forum: Personal Consumer Issues
Topic: Saving for Vehicle Replacement
Replies: 24
Views: 3289

Re: Saving for Vehicle Replacement

We put money away every month into an online savings account. We don't like debt so we purchase our vehicles with cash.
by Clark & Addison
Thu Sep 18, 2014 10:17 am
Forum: Personal Consumer Issues
Topic: Home/Auto insurance: Amica or Travelers?
Replies: 26
Views: 3821

Re: Home/Auto insurance: Amica or Travelers?

No personal experience, but I always hear Clark Howard recommending Amica for those without access to USAA. He acts like USAA/Amica are far above and beyond any others in the insurance world.
by Clark & Addison
Thu Jul 17, 2014 3:44 pm
Forum: Investing - Theory, News & General
Topic: Variable annuity ,what's the difference ?
Replies: 14
Views: 2413

Re: Variable annuity ,what's the difference ?

Not all 403b's are bad, just the majority. If you wife has TIAA-CREF as an option, like nisiprius said, it can be relatively low cost option. Unfortunately, my school does not offer TIA-CREF as an option. The M&E fee stands for mortality and expenses fee. From my understanding, it basically covers a...
by Clark & Addison
Wed Jul 16, 2014 5:49 am
Forum: Investing - Theory, News & General
Topic: Variable annuity ,what's the difference ?
Replies: 14
Views: 2413

Re: Variable annuity ,what's the difference ?

Unfortunately, variable annuities are very common among 403b's. These are very common in the education field. The most important differences between the variable annuity 403b and typical 401k's is that on top of high expense ratios on the funds available, there is also a M&E Fee which is most likely...
by Clark & Addison
Fri May 23, 2014 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 17503

Re: How do you make your money?

Myself--middle school teacher
Wife--nurse
Wife--rental income from farmland
by Clark & Addison
Tue May 20, 2014 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of or into keeping individual stock
Replies: 42
Views: 3741

Re: Talk me out of or into keeping individual stock

I'd sell it and put it into something more conservative. My wife had around $25,000 worth of individual stock (inherited from her grandma) in a regional bank when we got married at age 23/24 in 2007, which would have been a great start to our investing had we known then what we do now. Instead, the ...
by Clark & Addison
Thu May 08, 2014 5:34 am
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 3093

Re: Happy Birthday John C Bogle

Happy Birthday Jack!
by Clark & Addison
Wed Apr 30, 2014 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 39243

Re: Did you tell anyone you paid off your mortgage?

We told our families. They all knew from previous conversations that we were working on paying off our mortgage. Other than family, there have been a few close friends that know our spending habits and that we sometimes have financial discussions with that know we are mortgage-free, but we don't go ...
by Clark & Addison
Wed Apr 23, 2014 11:51 am
Forum: Personal Consumer Issues
Topic: Process for building home?
Replies: 12
Views: 1302

Re: Process for building home?

scone and hand: Thanks for the gardenweb suggestion. It looks like it will be a good source of information. lululu: While steps are not an issue for us now, we would like this to be our final home. We are planning on a one story plus full finished basement. All the essentials would be on the first f...
by Clark & Addison
Wed Apr 23, 2014 10:36 am
Forum: Personal Consumer Issues
Topic: Process for building home?
Replies: 12
Views: 1302

Process for building home?

My wife and I are considering building our "dream" home in the next year or two. We already own the land to build on and have a good idea of what we want the house to be like. The house we live in now was our first/only house to live in as adults/married couple. We bought this house in our early 20s...
by Clark & Addison
Mon Apr 07, 2014 10:52 am
Forum: Personal Finance (Not Investing)
Topic: 529 for personal education
Replies: 3
Views: 432

Re: 529 for personal education

Without a tax benefit, and with the program ending in only two years, I wouldn't bother with a 529. Even conservative investments can lose money over that short of a period.
by Clark & Addison
Sat Mar 29, 2014 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: ESAs [Education Savings Account]
Replies: 4
Views: 576

Re: ESAs [Education Savings Account]

I'm not sure that people ignore the ESA for the 529. I know in our case we use the 529 due to a nice tax credit in our state. If our state didn't have tax benefits associated with the 529, the ESA would look much more desirable.
by Clark & Addison
Fri Mar 28, 2014 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rank These 401(k) Providers
Replies: 43
Views: 6479

Re: Rank These 401(k) Providers

I don't have any direct experience with Vanguard for a 401k, but with the other three options being insurance companies, I can't imagine a situation in which Vanguard wouldn't be your best option out of those four. I've always tried to use insurance companies for insurance, and investment companies ...
by Clark & Addison
Thu Mar 20, 2014 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 3404

Re: POLL: Do you have a financial advisor?

There is a guy who comes into our school twice a year as he works for one of our 403b vendors. I used to consider him my financial advisor, until I realized how much he was actually costing me. Most of my financial advice now comes from this forum and the books that I have read that have been sugges...
by Clark & Addison
Mon Mar 17, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 14896

Re: Do you love your job? What do you do?

I am a middle school teacher. I love working with the kids. I don't like working for the state.