Search found 83 matches

by Drewman
Mon Jan 04, 2021 7:21 pm
Forum: Personal Investments
Topic: HSA assistance
Replies: 5
Views: 353

Re: HSA assistance

My understanding is that a family plan health insurance policy qualifies them for a "family" HSA - although the account is under a single persons name. "Each HSA is owned by one person. But family coverage under a qualifying HDHP allows you to use your HSA to pay for qualifying medica...
by Drewman
Wed Nov 27, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94290

Re: Flaunt Your High-Mileage Car

2007 Toyota Sienna XLE - 254, xxx
2008 Toyota Matrix - 203,xxx

...that was fun!
by Drewman
Thu Oct 17, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 52
Views: 7291

Re: Cheap Cell Phone Plan

Wife and I use Tello! I use a flip phone for calls and text and she has a smart phone. I have unlimited minutes and text for $9/mo. With tax and fees it's about $9.18. Wife has smart phone and his is $9 as well however, she uses less minutes and more data. I can refer you if you are interested and I...
by Drewman
Sat Aug 10, 2019 6:28 am
Forum: Personal Investments
Topic: which fund for bond allocation
Replies: 5
Views: 652

Re: which fund for bond allocation

I am always amazed at the quickness of responses.

Thank you
by Drewman
Sat Aug 10, 2019 5:53 am
Forum: Personal Investments
Topic: which fund for bond allocation
Replies: 5
Views: 652

which fund for bond allocation

Employer sponsored retirement plan has two options for bonds. Which would you recommend utilizing as bond portion of asset allocation and why? The remainder is in Vanguard Total stock market index fund.

PGIM total return bond R6 ER% 0.41 PDBAX

PGIM high yield R6 ER% 0.42 PBHAX
by Drewman
Sun Jun 23, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account (Tips for newbie)
Replies: 15
Views: 1252

Re: HSA account (Tips for newbie)

Can you pay for healthcare costs from a credit card, get your 2 or 3% in points, then reimburse yourself from the HSA? Heck if you have a large amount you could open a new credit card and get the $400 or $500 bonus even....
by Drewman
Sun Apr 28, 2019 8:56 pm
Forum: Personal Investments
Topic: retired with pension never invested help
Replies: 8
Views: 2367

Re: retired with pension never invested help

Watty wrote: Sat Apr 27, 2019 10:42 pm I would highly recommend the book "Medicare for Dummies"....
I found a Medicare for Dummies tip sheet and will send that along with your recommendations. Thank you for providing specific fund recommendations.
by Drewman
Sun Apr 28, 2019 8:50 pm
Forum: Personal Investments
Topic: retired with pension never invested help
Replies: 8
Views: 2367

Re: retired with pension never invested help

Please google the term “risk efficient frontier”. It is a graph that sketches the risk against return of every blend of portfolio from 100% bonds to 100% stocks. It is a hockey stick shaped graph, shows that the lowest risk (the bend point on the hockey stick) is achieved at 20:80 allocation; and t...
by Drewman
Sat Apr 27, 2019 8:08 pm
Forum: Personal Investments
Topic: retired with pension never invested help
Replies: 8
Views: 2367

retired with pension never invested help

scenario: -65 year old, newly retired, with pension of $120,000 annually -$500,000 in savings account at 3% interest - no debt - ongoing savings will be about $3000 /month - Ohio taxes The investment goal being simply to leave (more) wealth for family. The spouse and retiree are in decent health, no...
by Drewman
Mon Mar 25, 2019 6:35 pm
Forum: Personal Consumer Issues
Topic: Good Camping Tent?
Replies: 28
Views: 2098

Re: Good Camping Tent?

We like Alps Mountaineering. The waterproofing seems to be as good as much more expensive tents. Overall good value for the longevity. Wife and I have used our 7 year old tent all over the US, at base of grand canyon, base of half dome, beaches of northern California to name a few. Wife and I prefer...
by Drewman
Wed Feb 06, 2019 11:10 pm
Forum: Personal Consumer Issues
Topic: 2018 H&R Block tax software deals
Replies: 9
Views: 1373

Re: 2018 H&R Block tax software deals

I am not endorsed or have any obligation to any tax preparation software service.

But why pay for a service that could be free* like freetaxusa or taxhawk?

*federal is free, state and school district would be an expense.
by Drewman
Tue Aug 29, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're not being scammed when buying a house?
Replies: 33
Views: 4158

Re: How do you know you're not being scammed when buying a house?

SO let's clear this up...if the OP wanted to actually pull this over on someone how do we accomplish this? :twisted:
by Drewman
Fri Mar 24, 2017 5:55 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 124
Views: 10141

Re: Vanguard's website is down (for me anyway)

I was able to get in. It took about a minute of loading and I continued onto other website with different tabs.

Balances and overview appeared complete.

Log-off took about 20 seconds.

Seems like some down servers?
by Drewman
Sat Jan 28, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Nissan? (Cars.)
Replies: 52
Views: 5016

Re: Nissan? (Cars.)

I had a 2000 inifinti g20t (nissan sentra with leather and heated seats) and drove it to 275k with minimal issues. I gave it away and the young man still drives it - but leaky head gasket. I then purchased a 2006 infiniti g35x. The car was fine but it was not what I wanted. I preferred the ease of o...
by Drewman
Sun Nov 06, 2016 9:31 pm
Forum: Personal Consumer Issues
Topic: Cheap, Non-Traditional Cell Phone Plans
Replies: 52
Views: 8698

Re: Cheap, Non-Traditional Cell Phone Plans

We are TING customers in rural OHIO! We have been very pleased. One smart phone and one basic phone. We use little data but smart phone connects to WIFI for most data usage. Voice coverage is acceptable but occasional dropped call - same with when we had verizon. Our bill is $42 a month. We brought ...
by Drewman
Sat Aug 13, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: New Vanguard ONE App
Replies: 28
Views: 5577

New Vanguard ONE App

I got this e-mail from Vanguard but was disappointed it is only for iOS 9. Seems like they just lost half their market? Perhaps I missed the e-mail about what OS my phone was. Either way it seems like progress! Great news! Behind the scenes at Vanguard, we created a new app to help simplify the way ...
by Drewman
Mon Aug 01, 2016 5:06 am
Forum: Personal Consumer Issues
Topic: Carpeting-Costco or Home Depot?
Replies: 34
Views: 29890

Re: Carpeting-Costco or Home Depot?

I believe the key is to inquire as to who actually installs the product wherever you go and then talk with them directly regarding your install. My experiences with Home Depot AND LOwes. We had carpet in 2015 from Home Depot - I inquired about the installer and then I called the installer. I then pa...
by Drewman
Tue Jun 21, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Use Roth contributions for land purchase?
Replies: 2
Views: 554

Use Roth contributions for land purchase?

We have some neighboring land we want to purchase with cash but we are $15K short. We could pull from our ROTH contributions to do this. Do you think this is wise? The land will not be improved. It has mature timber that we could harvest by select cutting. our finances: 200K left on 350K mortgage 2y...
by Drewman
Sat Mar 19, 2016 2:12 pm
Forum: Personal Consumer Issues
Topic: Sedans and kayaks.
Replies: 23
Views: 3066

Re: Sedans and kayaks.

We use an Inno Dual Kayak Carrier - it was about $150 and attaches to a Whispbar on our Sedan or the stock roof rack of our minivan. We transport two 10.5ft Dagger kayaks. I always remove the rack upon returning home and store everything in my shed. I do this monthly through the summer. The Inno rac...
by Drewman
Wed Jan 20, 2016 8:20 pm
Forum: Personal Consumer Issues
Topic: Geothermal Heat Pumps
Replies: 18
Views: 2972

Re: Geothermal Heat Pumps

We moved into a home built in 2005 that was a geothermal retrofit after high propane bills. They spent close to $20,000 with the trenching, 5 ton waterfurnace 5 series and a couple other addons like thermostat and reusable filters and duct work corrections. The home is 3200ftsq with additional 1200 ...
by Drewman
Sun Jan 17, 2016 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Real-life, real-time wash sale & TLH documented
Replies: 151
Views: 44106

Re: Real-life, real-time wash sale & TLH documented

Thanks for posting!

Any chance you have this in a nice clean PDF or WORD document?
by Drewman
Mon Jan 11, 2016 5:42 am
Forum: Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 7252

Re: $1.3 Billion Jackpot - How would you invest it?

Well for 6 months I would probably sit on it after paying off some family debt to take time to learn about what to do with it all. After 6 months I would have learned enough about foundations to create a foundation. From there on my goal in life would probably be to work with the foundation to figur...
by Drewman
Sun Jan 10, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: refinance help - what is deductible
Replies: 4
Views: 502

Re: refinance help - what is deductible

I thought the origination fee was another name for "points" and could divide this by the length of the loan and deduct that annually. Not that it is a lot...
by Drewman
Sun Jan 10, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: refinance help - what is deductible
Replies: 4
Views: 502

refinance help - what is deductible

We refinanced spring 2015 and I would like to know your thoughts on what is deductible on 1040 Schedule A. We have a 30 year mortgage and this was done with a different company. Thank you. Appraisal Fee $405 Lenders Title Insurance $350 Recording Fee $216 Origination Underwriting Fee $895 Interest t...
by Drewman
Mon Jan 04, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: Credit card fraud - what happens with refunds to that card?
Replies: 4
Views: 589

Re: Credit card fraud - what happens with refunds to that card?

I had a refund from a return, that posted the same day I had fraudulent charges. Chase caught the fraudulent charges and cancelled the card and sent me a new one. They told me my refund would go through to the new card. I week later my return/refund had not processed through to my new card. I had to...
by Drewman
Sat Jan 02, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: 1/2/16 Deal - H&R Block 2015 @ Amazon
Replies: 30
Views: 3647

Re: 1/2/16 Deal - H&R Block 2015 @ Amazon

why not just do it for free with freetaxusa?
This relates to the original poster and not about foreign investments. I have no experience with foreign investments.
by Drewman
Sat Jan 02, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 667
Views: 50573

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2084.1
if already chosen please use 2084.15
thank you
by Drewman
Thu Dec 31, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Savings Checkpoint
Replies: 6
Views: 1177

Re: Retirement Savings Checkpoint

I have not been able to locate any models that make suggestions for late earners. They simply adjust for different incomes. This website has a few different models and discussion points. http://ezinearticles.com/?Fidelitys-Age-Based-Savings-Guidelines-May-Be-Too-Light&id=7288490 Thanks for provi...
by Drewman
Tue Dec 15, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 146
Views: 23443

Re: Boglehead cell phone strategy

TING! It uses sprint and if there is no signal it uses Verizon! ... Can you provide a source for this information? TIA... I couldn't find it so I chatted with them. Customer service is superb and you get a person on the phone or chat quickly. The rep said yes as long as Verizon towers were near you...
by Drewman
Mon Dec 14, 2015 8:53 pm
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 146
Views: 23443

Re: Boglehead cell phone strategy

*POST CORRECTED REGARDING DATA* TING! It uses sprint and if there is no signal it uses Verizon for voice/text - currently there is no data roaming! Bring your own phone for FREE or buy a MOTO phone for less than $100 (made by Google for Motorola). Cap data at whatever limit you are comfortable with ...
by Drewman
Mon Dec 14, 2015 6:06 am
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Re: Help Again - moving away from expensive employer plan

Here are three portfolio ideas. Vanguard Admiral class shares require an initial minimum investment of $10k. Vanguard Investor class shares require an initial minimum investment of $3k. THANK YOU! I will be experimenting with taxes and the above over the coming months! THank you thank you! I also g...
by Drewman
Sat Dec 12, 2015 9:59 pm
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Re: Help Again - moving away from expensive employer plan

As I understand it your total portfolio, all of your accounts, currently is: 14%, $10k, in his IRA 14%, $10k, her IRA 72%, $50k, his 403b 100%, $70k in total. Is that correct? How much (total all accounts) do you expect that you might be able to contribute to investing annually? What asset allocati...
by Drewman
Sat Dec 12, 2015 7:37 am
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Re: Help Again - moving away from expensive employer plan

Livesoft and Watty specifically but the whole online community! I thank you for your time and contributions. When I see you posting I always know I am in for some wisdom! You get me excited about taxes! Again, thank you, thank you thank you! For now my plan is to experiment with my taxes, adjusting ...
by Drewman
Fri Dec 11, 2015 9:13 pm
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Re: Help Again - moving away from expensive employer plan

Wow, your 403(b) has some really good inexpensive choices. I think you are really shooting yourself in the foot by not using them and putting away the maximum possible (?$18,000) even before contributing to your Roth IRAs. This will become even more important when you want you AGI lower to take adv...
by Drewman
Fri Dec 11, 2015 8:32 pm
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Re: Help Again - moving away from expensive employer plan

THANK YOU for your help! I should clarify though: I amNOT getting out of my employer 403B I am looking to lower my contributions (maintaining the full employer match still) to maximize His/Her roths. 50K in 403B If I leave my 403B assets in the (STFAX) State Street Equity 500 Index Fund Administrati...
by Drewman
Fri Dec 11, 2015 2:16 pm
Forum: Personal Investments
Topic: Help Again - moving away from expensive employer plan
Replies: 14
Views: 1708

Help Again - moving away from expensive employer plan

After many conversations and campaigning for a better 403B I have decided to only contribute the minimum(to get the maximum match) towards my employer 403B and maximize his and her Roths with Vanguard. ...unless you educate me otherwise. I previously posted here: https://www.bogleheads.org/forum/vie...
by Drewman
Sat Nov 21, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: What car would you buy today for $6000?
Replies: 57
Views: 6115

Re: What car would you buy today for $6000?

2008 Pontiac Vibe or 2008 Toyota Matrix
by Drewman
Sun Aug 16, 2015 9:29 pm
Forum: Investing - Theory, News & General
Topic: Are we headed into a difficult period? [Telegraph "Doomsday" article]
Replies: 25
Views: 4188

Re: How Do You Ignore Headlines Like This?

Well that was an entertaining read! I don't retire for about 30 years! Bring on the market crash!
by Drewman
Sun Aug 16, 2015 3:36 pm
Forum: Personal Investments
Topic: Roth question regarding spousal Roth and earned income
Replies: 2
Views: 305

Re: Roth question regarding spousal Roth and earned income

Thank you Mike!

I guess I had trouble interpreting the tax code. :oops:
by Drewman
Sun Aug 16, 2015 3:29 pm
Forum: Personal Investments
Topic: Roth question regarding spousal Roth and earned income
Replies: 2
Views: 305

Roth question regarding spousal Roth and earned income

2015 incomes
his income: 100k
her income:4K

tax filing status: married filling jointly

Can her Roth contributions be the max even though her income is less than the max?

I believe it can be as his and her income are "one" since tax status is married filling jointly?

Thank you.
by Drewman
Sun Jul 05, 2015 2:59 pm
Forum: Personal Investments
Topic: When to invest in tillable land?
Replies: 8
Views: 1429

Re: When to invest in tillable land?

Thanks for the replies!

Just seeking wisdom!
by Drewman
Sun Jul 05, 2015 7:54 am
Forum: Personal Investments
Topic: When to invest in tillable land?
Replies: 8
Views: 1429

When to invest in tillable land?

Looking to diversify by investing in land close to home. The goal being to rent the land for twenty years then sale it. Land: 12 acres 1mile from home 54000 list price, previous owner purchased 15 years ago for $34k (public record) all 12 acres tillable current rent $135/year per acre with the abili...
by Drewman
Sat May 09, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 15280

Re: Lightweight camping gear

for backpacks we have always gone with Deuter.

Down sleeping bags we tend to use Marmot.

As long as you stay away from the big box stores you will be fine.
by Drewman
Sat May 09, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: Lightweight camping gear
Replies: 41
Views: 15280

Re: Lightweight camping gear

I have gotten my family into Alps Mountaineering. Here is a great tent http://www.amazon.com/ALPS-Mountaineering-Zephyr-1-Person-Tent/dp/B00B9GCRL4 Just do an internet search for dehydrated food. I have used mountain house and cache lake. I prefer the breakfast options. But I often like my scrambled...
by Drewman
Sun Mar 29, 2015 8:14 pm
Forum: Personal Investments
Topic: 403B - 3 fund portfolio possible? or what should I pick?
Replies: 4
Views: 739

403B - 3 fund portfolio possible? or what should I pick?

I have the below options with ER and tickers included. What would be my best option for making a 3 fund portfolio? Or what should I pick? 30yo looking to be 80% stocks, 20% bonds. Thank you. Fix Account earning 1.15% American Century GNMA – A BGNAX 0.8% Pioneer Bond – Y PICYX 0.58% Prudential High Y...
by Drewman
Sat Feb 14, 2015 9:45 pm
Forum: Personal Investments
Topic: What to do with 20K in cash?
Replies: 21
Views: 4080

Re: What to do with 20K in cash?

Hey Jack,
I'll take it.

You will not have to pay taxes, fees, or anything. I will even PAY YOU $10 for it, on second thought I'll be so generous to pay you $100 for it!

Act now this offer won't last! :greedy

-Andrew
by Drewman
Sat Feb 07, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase before or after retirement
Replies: 11
Views: 1089

Re: Home purchase before or after retirement

The bottom line (or maybe one of them) is IF they want to get a mortgage, will their verifiable income be enough to qualify for the mortgage/taxes/etc.?RM Does a pension and social security count as verifiable income? Again I am not sure they will need verifiable income when they mortgage company a...
by Drewman
Sat Feb 07, 2015 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Home purchase before or after retirement
Replies: 11
Views: 1089

Home purchase before or after retirement

My father will be retiring in the next 2-3 years with a pension of about 100k annually plus SS. They will be moving closer to my siblings and I and was curious if they should purchase the home before or after retirement, or if it even matters? Current home paid off worth 200k. New home purchase 200-...
by Drewman
Thu Jan 29, 2015 10:00 pm
Forum: Personal Investments
Topic: campaign for better 403B
Replies: 19
Views: 1937

Re: campaign for better 403B

*Update* They will be adding a S&P Index and a Mid-Cap Index first of March and switching from Fidelity Target Date Funds to TRowePrice Target Date Funds. The ER on the index funds will be 0.5% (not great but better than 1.xx% currently). Currently working with HR to obtain a meeting with the fi...