Search found 63 matches

by michelef
Sun Oct 20, 2019 9:41 am
Forum: Personal Consumer Issues
Topic: SAT/ACT prep courses worth the money?
Replies: 47
Views: 3308

Re: SAT/ACT prep courses worth the money?

Oldest son did a group test prep. I wasn't impressed. When asked, he told me he thought it was unnecessary and I did not do the same for his younger brother. Younger brother: I read blog and watched videos on Green Test Prep site, which I found helpful in coming up with a plan for him to study. Inde...
by michelef
Fri May 31, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: The Economist Magazine $47.99 one year-digital or hard copy
Replies: 4
Views: 675

Re: The Economist Magazine $47.99 one year-digital or hard copy

Be sure to check your library's digital offerings too, which may include The Economist.
by michelef
Sat Sep 02, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Braves day game seats - any sections in shade?
Replies: 7
Views: 3213

Re: Braves day game seats - any sections in shade?

Thank you all! We got seats along the 1st base line way up high which were shaded and breezy the whole game. Your advice was much appreciated.
by michelef
Thu Aug 24, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Braves day game seats - any sections in shade?
Replies: 7
Views: 3213

Braves day game seats - any sections in shade?

Hello,
My 82 yo mother and I plan to attend a Sunday (1:35 pm start time) afternoon Braves game and would like to purchase seats in the shade, if they exist. Any suggested sections/advice would be much appreciated!
Thank you,
Michele
by michelef
Wed May 10, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 14318

Re: Can you suggest a mortgage lender who does not resell

We refinanced with Third Federal Savings & Loan and have had a good experience.
by michelef
Tue Mar 21, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV and FEIN - CUSIP question
Replies: 3
Views: 796

Re: 1099-DIV and FEIN - CUSIP question

I think I'll choose not provided. Next year should work more smoothly with just one 1099-DIV.
by michelef
Tue Mar 21, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV and FEIN - CUSIP question
Replies: 3
Views: 796

Re: 1099-DIV and FEIN - CUSIP question

The merger seems to have confused the importing, since some of the numbers end up in the wrong forms. So...this year I'm manually entering all info.
by michelef
Tue Mar 21, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-DIV and FEIN - CUSIP question
Replies: 3
Views: 796

1099-DIV and FEIN - CUSIP question

Hello, I am using TurboTax and entering Vanguard 1099-DIV information. Mid-way through 2016 we merged our previously separate Vanguard mutual fund/brokerage accounts. As a result, dividends for each fund are reported on two different 1099-DIV forms depending on whether the dividends were paid before...
by michelef
Sat Sep 17, 2016 8:47 am
Forum: Personal Investments
Topic: transferring SEP IRA to vanguard solo 401k via fidelity
Replies: 49
Views: 7502

Re: transferring SEP IRA to vanguard solo 401k via fidelity

I did exactly what you are contemplating without any problems about 1-2 years ago. We chose a round trip back to Vanguard, but considering you are restricted to Investor shares, I'd agree you may want to leave the i401k at Fidelity for the cost advantage.
by michelef
Sat Apr 23, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: AT&T U-verse Internet / Comcast Internet
Replies: 12
Views: 2448

Re: AT&T U-verse Internet / Comcast Internet

We've hopped back and forth (every ~2 years) between ATT and Comcast for internet service when the rate went up. It's a pain, but has saved us a lot of money. Currently we have Comcast and own our own modem. Happily switched from ATT to Ooma ~ 5 years ago and are very pleased with the service and pr...
by michelef
Tue Mar 08, 2016 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead oriented CPA in Atlanta?
Replies: 10
Views: 1651

Re: Boglehead oriented CPA in Atlanta?

I'd appreciate the information too. Thanks!
by michelef
Mon Mar 07, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Yes, I agree. VT was the one school that he had a very strong, positive feeling about. It's so helpful to hear from others who have been through this before. Given my nephews experience, I wanted to be sure that there wouldn't be a similar problem with access to required classes. Fortunately, this i...
by michelef
Mon Mar 07, 2016 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks very much for the comments about the value of a MS. Neither my husband or I have experience in the business world and certainly don't know much about the tech industry other than what we read about, so your insider advice very helpful. I think I made assumptions based on what I've read about ...
by michelef
Sun Mar 06, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks vtjon. That's great to hear about startups in the area -I had no idea. Congratulations on being sucessfully self-employed. We've really been impressed by how everyone we've spoken to (digitally and during the visit) LOVES VT. After looking at the majors offered, he's most interested in either...
by michelef
Sun Mar 06, 2016 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Wow, I was not expecting this many replies! Thanks to everyone for their thoughts, they are much appreciated. I have selectively shared them with my son, which has been helpful in terms of getting an aerial view of both college choices and post-college possibilities. Additionally, we sat down and lo...
by michelef
Sat Mar 05, 2016 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks for all your thoughts. Wise advice, Tomato. Georgia Tech would be fantastic, but even if he got in, I"m not sure that he'd be happy. The admissions there have become even more competitive over the past five years. The very smart kids we know that have been accepted have generally gone into th...
by michelef
Sat Mar 05, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks for your response - good news! It's great to get such positive reviews about VT from former grads. May I ask how recently you finished your degree?
by michelef
Sat Mar 05, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

I just looked it up - great program! Too late for my oldest, but my current hs freshman son may be interested.
by michelef
Sat Mar 05, 2016 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks - so helpful to hear about the different computer-related majors! I'll definitely have him read your post and look through the different requirements for each major. Also, we weren't aware of the cybersecurity program, which I think would appeal to him, so I'll suggest he find out more about ...
by michelef
Sat Mar 05, 2016 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thanks so much for the input! My son and husband both had very warm impressions of both the faculty and students.

He won't have a car on campus, so I'll suggest he take a bike. Thanks for all the detailed advice.
by michelef
Sat Mar 05, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Good point. I'll have him ask each of the departments, too.
by michelef
Sat Mar 05, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

He doesn't know at this point. Although, I'll suggest that he ask the CS departments which companies hire the majority of their students. Thanks for the idea!
by michelef
Sat Mar 05, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

I'm a little skeptical about information from the admissions office, given I'm not sure if they'd admit if there was a problem. I'd feel more confident with independent reviews.

Thanks for the idea - I've looked at CC, but will post there as well.
by michelef
Sat Mar 05, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

He's been deferred at GT and although he's a strong student, the competition is such that I doubt he'll get in (16% of deferred students eventually are offered admission). The silver lining is that he preferred the VT atmosphere to all others, including GT. And he mentioned the food as a plus too!
by michelef
Sat Mar 05, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Re: Virginia Tech vs. NC State [choosing a school]

Thank you very much for the replies! I imagine that getting into classes must not be a problem if you (Conch) have had that many relatives attend without complaints. My son overall preferred the VT college town atmosphere over the urban setting. He'd be a bit further from us (GA), but that's not an ...
by michelef
Sat Mar 05, 2016 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Virginia Tech vs. NC State [choosing a school]
Replies: 52
Views: 7706

Virginia Tech vs. NC State [choosing a school]

My 17 yo son is trying to decide between VT and NCSU. He plans to pursue computer science. The price difference between the two is approximately $6k, so not that substantial. He would likely do well at either. One concern I have which is about how difficult it is to get into popular, introductory cl...
by michelef
Sat Feb 20, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Need New Dishwasher.
Replies: 17
Views: 2441

Re: Need New Dishwasher.

Spoke with a couple of repairman before choosing a brand and they both recommended Whirlpool. Kenmore is also made by Whirlpool.
by michelef
Fri Jan 22, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: Questions about getting a dishwasher
Replies: 28
Views: 2540

Re: Questions about getting a dishwasher

My main concern: reliability. I asked two repairmen and looked on repair sites, all of which recommended Whirlpool.

Second: be sure you measure, measure, measure your space before ordering. I pulled out our old dishwasher and measured the space before ordering the new one.
by michelef
Sun Jan 03, 2016 2:49 pm
Forum: Personal Investments
Topic: Low risk 529 - best option
Replies: 2
Views: 643

Re: Low risk 529 - best option

I faced the same situation last year and made the decision to place half of my son's (now a hs senior) 529 funds in the CO Stable Value Fund. The remainder is in the Utah 529 in short term bond funds and cash equivalents.
by michelef
Fri Nov 27, 2015 10:41 am
Forum: Personal Investments
Topic: No Admiral Shares in a Vanguard Individual 401(k)
Replies: 46
Views: 13422

Re: No Admiral Shares in a Vanguard Individual 401(k)

After several years, I discovered my husband's Vanguard 403b plan offered a brokerage option, where he can invest in Admiral shares of the funds only offered as Investor shares within the "main" 403b plan. I doubt most participants know about this option since you need to look at the fine print.
by michelef
Thu Oct 01, 2015 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 12357

Re: Fidelity 2% Amex: Security Annoyances

We have the Fidelity AMEX 2% and Citi Double Cash cards and have only had difficulty with declines with the AMEX.
by michelef
Wed Sep 23, 2015 7:28 am
Forum: Investing - Theory, News & General
Topic: Actively managed tax-managed funds, do they deliver
Replies: 11
Views: 1318

Re: Actively managed tax-managed funds, do they deliver

Thank you! You mentioned that passive funds that tax manage are different from active funds that tax manage. Do you think that index funds that tax manage are worth the higher ER compared to their counterpart index funds that are tax efficient, but don't tax manage? For example: Vanguard 500 Index A...
by michelef
Thu Sep 03, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: New commute car for longish commute tall commuter
Replies: 14
Views: 1663

Re: New commute car for longish commute tall commuter

My 6' husband is very comfortable driving our 2011 Prius. Any hybrid should be a good deal now with lower demand due to the low price of gas.
by michelef
Thu Sep 03, 2015 6:23 pm
Forum: Personal Investments
Topic: Does It Make Sense to Go From SEP to Solo-401K for BackDoor Roth
Replies: 6
Views: 618

Re: Does It Make Sense to Go From SEP to Solo-401K for BackDoor Roth

Regarding rolling a SEP into a solo 401k - different companies have different rules. Vanguard does not allow this, while Fidelity does. My husband transferred his SEP from Vanguard to Fidelity for just this purpose.
by michelef
Fri May 22, 2015 6:12 pm
Forum: Personal Investments
Topic: Best way to compare Vanguard fund tax-efficiency?
Replies: 6
Views: 988

Re: Best way to compare Vanguard fund tax-efficiency?

Thank you for the additional links. I'll take my time sorting through the information.
by michelef
Thu May 21, 2015 4:05 pm
Forum: Personal Investments
Topic: Best way to compare Vanguard fund tax-efficiency?
Replies: 6
Views: 988

Re: Best way to compare Vanguard fund tax-efficiency?

Thank you both very much for the information and link!
by michelef
Wed May 20, 2015 4:25 pm
Forum: Personal Investments
Topic: Best way to compare Vanguard fund tax-efficiency?
Replies: 6
Views: 988

Best way to compare Vanguard fund tax-efficiency?

Hello, My husband and I own a diversified group of Vanguard funds in taxable, tax-deferred and Roth accounts. Going forward we'd like to make better decisions in terms of asset location. Using Morningstar's tax cost ratios (1, 5 10 and 15-year) and Vanguard's 2014 percentage of qualified dividends f...
by michelef
Tue Mar 17, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 6026

Re: What's a good digital antenna?

Here's advice from Consumer Reports: http://www.consumerreports.org/cro/news/2009/02/dtv-tips-choosing-and-using-an-antenna/index.htm We used the link in the article to see how close our home was to local stations Based on this information, I bought the cheapest rabbit ears antenna I could find ($9 ...
by michelef
Fri Mar 13, 2015 8:15 am
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 32700

Re: $600 night guard for teeth grinding, really?

I'd recommend checking out www.sportingsmiles.com It is a professional dental lab that eliminates the middle man, resulting in much lower prices for products such as grinding guards, mouth guards for sports, teeth whitening trays. They send you a kit and have online videos to show you how to take an...
by michelef
Wed Feb 25, 2015 4:59 pm
Forum: Personal Investments
Topic: Transfer Vanguard MF to ETF equivalents?
Replies: 5
Views: 569

Re: Transfer Vanguard MF to ETF equivalents?

Thank you so much for your replies. I was mistaken about thinking I had to sell the older, non-covered shares first. I have much more flexibility than I thought and am relieved that the answer is to do nothing.

Thanks again,
Michele
by michelef
Wed Feb 25, 2015 3:22 pm
Forum: Personal Investments
Topic: Transfer Vanguard MF to ETF equivalents?
Replies: 5
Views: 569

Re: Transfer Vanguard MF to ETF equivalents?

I wasn't specific enough in my description. What I meant was that in most of my accounts there are old shares that I don't have records for that must be sold at average cost. Purchases in the last 3 years are so were made under specific ID. So I must sell the old shares first.
by michelef
Wed Feb 25, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: [Protection against fraudulent IRS tax returns]
Replies: 40
Views: 3424

Re: Preventing IRS Fraud

If you file in FL, GA or Washington D.C. you may choose to get a pin: http://www.irs.gov/Individuals/Get-An-Identity-Protection-PIN. This is newly offered this year due to a record number of fraudulent filings in those areas. My husband and I live in GA. I applied for a IP-PIN and received one immed...
by michelef
Wed Feb 25, 2015 2:57 pm
Forum: Personal Investments
Topic: Transfer Vanguard MF to ETF equivalents?
Replies: 5
Views: 569

Transfer Vanguard MF to ETF equivalents?

I recently read about the option of transferrring Vanguard mutual fund assets to the equivalent ETFs in a taxable account without tax consequences. Has anyone done this or chosen not to? Most of the funds in my taxable account are Admiral, so the ETF expense ratios would be the same, however I thoug...
by michelef
Thu Jan 15, 2015 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best 15 year (or similar) no cost mortgages
Replies: 17
Views: 2225

Re: Best 15 year (or similar) no cost mortgages

We refinanced with Third Federal Savings and Loan in late December and were very pleased with their low cost option of $295 closing costs. Their rate was better than local bank/credit union options and the online application and process went smoothly. They do not have any branches in our state, so t...
by michelef
Wed Dec 03, 2014 6:22 pm
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 2019

Re: Kindle question - online access books

Thank you all for your responses. After speaking with one of the librarians at the university, I learned that there are some books that I cannot access through the Kindle browser or download. These are only accessible via a computer (phone, tablet, pc, etc.). Other ebooks are more typical of those f...
by michelef
Tue Nov 25, 2014 2:35 pm
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 2019

Re: Kindle question - online access books

Thank you all for your replies! It's very helpful to know that I can easily access downloadable books, but not online access books without trying a work around.
Michele
by michelef
Tue Nov 25, 2014 10:04 am
Forum: Personal Consumer Issues
Topic: Kindle question - online access books
Replies: 17
Views: 2019

Kindle question - online access books

The library at the university my husband works offers ebooks as well as books that are accessible online, but that are not downloadable. I know I could read the ebooks on the Kindle, but am not sure if the online access only books would be readable on a Kindle with WiFi. I'd prefer to buy a Kindle r...
by michelef
Sun Nov 02, 2014 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard restates Individual 401(k) plan doc
Replies: 3
Views: 983

Re: Vanguard restates Individual 401(k) plan doc

I just filled out the restatement paperwork. My impression is that there were not substantial changes, but that it is an IRS requirement. My husband has an i401k with Vanguard and it does allow traditional or Roth contributions. He initially set it up for traditional contributions but added the Roth...