Search found 495 matches

by MDfan
Wed Mar 06, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 5125

Re: Value of Vacation Experiences with Big Fam & Young Kids

I can't imagine not taking a nice vacation every year and we did so when our 3 kids (who are now college aged or older) were pretty much every age. Beach, Disney, California, Costa Rica, Italy, cruise, we've done them all and never thought twice about it. You can't put a price on the memories. We're...
by MDfan
Sun Mar 03, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12928

Re: Why Working as a Senior Male is Wise...

The last thing I want to do when I retire is work for anyone. Maybe at a golf course, but I can't think of anything else I'd want to do unless someone wants to pay me to travel.
by MDfan
Fri Feb 22, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question about career change into software development
Replies: 9
Views: 692

Re: Question about career change into software development

Does he work at a retail bank branch in a job such as a teller or a customer service rep or does he work in the bank back office? If he's in the back office there will be many more technical software related jobs and if he's proven to be a good worker his manager will usually help him transition in...
by MDfan
Fri Feb 22, 2019 2:55 pm
Forum: Personal Investments
Topic: TSP Advice - Retiring Soon
Replies: 38
Views: 5720

Re: TSP Advice - Retiring Soon

Rollover a portion of the TSP to a Traditional IRA and do Roth conversions to the top of the 12% or 24% bracket, depending on what you expect your marginal rate will be after age 70. Could you explain this strategy in a little more detail? I'm assuming this is for someone fully retired with no inco...
by MDfan
Fri Feb 22, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question about career change into software development
Replies: 9
Views: 692

Question about career change into software development

It seems like there are a lot of people working in the IT/computer field on here so I thought I'd ask for some advice. My son graduated a year and a half ago with a degree in finance and has been working for a bank since then. He is not happy, has a real interest in computers (has been taking some o...
by MDfan
Mon Jan 21, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 7976

Re: Paying thousands per ticket to attend the NFL Super Bowl?

My alma mater played in the national championship and tickets were sky high. We payed a Lottttttttt for tickets, and we won. My extended family and some friends made the trip and it was money well spent. I wouldn’t take anything for that experience. I skimp every moment of every day to meet my goal...
by MDfan
Tue Jan 15, 2019 5:56 pm
Forum: Personal Consumer Issues
Topic: School staff threatened to call social worker
Replies: 54
Views: 3250

Re: School staff threatened to call social worker

JoeRetire wrote: Tue Jan 15, 2019 5:32 pm
adamthesmythe wrote: Tue Jan 15, 2019 5:29 pmBut it seems to me that the value of experiencing another country considerably exceeds the value of attending school.
Wow, really?
It's kindergarten.
by MDfan
Tue Jan 15, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Funniest movies of all time? Name five of your favorites...
Replies: 220
Views: 32857

Re:

Levett wrote: Fri Feb 06, 2009 6:29 am The Odd Couple (1968)

Moonstruck

Office Space

Best of Show

A Fish Called Wanda

Bob U.

Fish Called Wanda is a great one. I'm going to throw the first Hangover movie in there as well.
by MDfan
Thu Jan 10, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: 5 days. What to do in Las Vegas and Grand Canyon
Replies: 48
Views: 3286

Re: 5 days. What to do in Las Vegas and Grand Canyon

There is a mall and outlets nearby the strip and you can always walk around and see the free outdoor shows like the Pirate ship and the water fountains. The Pirate ship show at TI closed permanently 5.5 years ago, and wasn't really family-friendly since 2003. There's really not much "family-fr...
by MDfan
Mon Jan 07, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6233
Views: 1421526

Re: What Movie Have You Recently Watched?

Castles in the Sky - Amazon About Sir Robert Watson Watt & team building a radar system on the coast of England in the 1930's. Wonderful. Hell or High Water - Netflix Jeff Bridges & Chris Pine. Same author as "Wind River" & "Sicario" - Taylor Sheridan. Superb. Hell o...
by MDfan
Mon Jan 07, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6233
Views: 1421526

Re: What Movie Have You Recently Watched?

Roma. After 30 minutes we stopped as it didn't seem to be going anywhere and was horribly boring. I'll add that I think most of the movies that get a lot of hype are because the movies aren't that great and the hype is manufactured since word of mouth won't work. I am repeatedly disappointed by mov...
by MDfan
Sun Jan 06, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Buying a Ryan Home?
Replies: 30
Views: 8690

Re: Thoughts on Buying a Ryan Home?

Have lived in a Ryan Home for 26 years. Had a water/roof issue very early on which they addressed to our satisfaction and have not had an issue since. Talk to others in the neighborhood living in similar homes. Ours is a mix of Ryan and NV Homes and I have not heard any complaints. I take on-line re...
by MDfan
Fri Dec 21, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: brick-and-mortar vs online bank
Replies: 50
Views: 3183

Re: brick-and-mortar vs online bank

Been banking with Schwab for about 5 years and don't miss banks at all. I can do everything I need to do including using any ATM I want. I haven't been into an actual bank since about 2014.
by MDfan
Tue Dec 18, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Disney/Univ Studio in Spring Break - is it crowded?
Replies: 48
Views: 2143

Re: Disney/Univ Studio in Spring Break - is it crowded?

There's one thing you can bet good money on and that is the fact that both those parks are going to be crowded when you plan on attending. They are always crowded. ALWAYS. This is correct. We were just in Disney the week after Thanksgiving which is supposed to be one of the least crowded weeks of t...
by MDfan
Tue Dec 18, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 7060

Re: How much do you pay for cable/internet/cellphone

About $200/mo for Verizon cable/internet. Looked into cord-cutting but need cable for all the sports I watch. Haven't found anything that makes sense yet. Also have Netflix and Prime. About $375 for Verizon cell service (5 lines). Adult kids (early 20s) are on our plan but pay for their own phone co...
by MDfan
Wed Oct 31, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 29
Views: 2478

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

Having to go into a car dealership seems like the worst way ever to earn $50. I think I'd rather work 10 hours for $5/hour.
by MDfan
Mon Oct 29, 2018 1:30 pm
Forum: Personal Investments
Topic: Question on Roth conversions
Replies: 7
Views: 775

Re: Question on Roth conversions

Thanks for the feedback.
by MDfan
Mon Oct 29, 2018 12:29 pm
Forum: Personal Investments
Topic: Question on Roth conversions
Replies: 7
Views: 775

Re: Question on Roth conversions

Thanks. I know the TSP will do it and I have the TSP-60 Form. I was just wondering if there was anything prohibiting me from doing this. Or a good reason why I shouldn't.
by MDfan
Mon Oct 29, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2566

Re: Speeding ticket and insurance

I got a ticket recently (August) for going 69 in a 55 mph zone. 2 points and a $90 fine. Not out of state, but I just drove a couple of hours to go to court. Received Probation Before Judgment, no points, and fine reduced to $15. Other than the long drive, it took maybe 15 seconds. Judge just asked...
by MDfan
Mon Oct 29, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Speeding ticket and insurance
Replies: 29
Views: 2566

Re: Speeding ticket and insurance

I got a ticket recently (August) for going 69 in a 55 mph zone. 2 points and a $90 fine. Not out of state, but I just drove a couple of hours to go to court. Received Probation Before Judgment, no points, and fine reduced to $15. Other than the long drive, it took maybe 15 seconds. Judge just asked ...
by MDfan
Mon Oct 29, 2018 10:50 am
Forum: Personal Investments
Topic: Question on Roth conversions
Replies: 7
Views: 775

Re: Question on Roth conversions

I have a question regarding Roth conversions and I was wondering if someone could advise me on whether this is a good plan or if I'm missing something. Right now, we have the bulk of our money tied up in taxable accounts (TSP, 403b)... Those are more correctly called tax-DEFERRED accounts... You're...
by MDfan
Mon Oct 29, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Additional charges for kids in Las Vegas hotels
Replies: 25
Views: 2926

Re: Additional charges for kids in Las Vegas hotels

This is the most risk averse board on the internet. Of course you can "sneak" your kids in. Vegas hotels have thousands of rooms and decentralized elevator banks. It's not like the local Hampton Inn where you all have to walk past the desk. The maids don't care and won't alert the desk. M...
by MDfan
Mon Oct 29, 2018 6:27 am
Forum: Personal Investments
Topic: Question on Roth conversions
Replies: 7
Views: 775

Question on Roth conversions

I have a question regarding Roth conversions and I was wondering if someone could advise me on whether this is a good plan or if I'm missing something. Right now, we have the bulk of our money tied up in taxable accounts (TSP, 403b). We make too much for regular Roth so I am trying to figure out way...
by MDfan
Sat Oct 20, 2018 7:59 pm
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 7070

Re: Pull kids from school for vacations?

Never had any problems pulling our kids out of elementary school. It was always cheaper to travel during the offseason and we did our Disney trips during the Fall or Winter. Would always try to schedule it around scheduled days off, but 2-3 days here and there is no big deal at that age.
by MDfan
Tue Oct 16, 2018 6:46 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2902

Re: How do you buy a mattress ?

I think buying on-line with the 100-day guarantee is the only way to go now. We have bought two Saatva mattresses and love them both. And for a fraction of the cost of mattress stores. I would never step foot in a mattress store again. There is no way you can decide whether a mattress is right for y...
by MDfan
Sun Oct 14, 2018 5:09 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3602

Re: Pacific Northwest trip

Thinking of taking about a 9-day trip to Oregon/Seattle next summer with the family (adult kids). Does 5 days in Portland and 4 days in Seattle seem like enough time to get a good feel for each place? Probably would do day trips from each city but I only want to say in two hotels/AirBnBs. Any sugge...
by MDfan
Sat Oct 13, 2018 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 10628

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Clever_Username wrote: Fri Oct 12, 2018 12:00 am Thought has crossed my mind of being a marshal at a golf course. Probably worth more than $1000/month for me if it includes golf privileges.
Exactly my plan. Make some extra $ and reduce one of my primary expenses.
by MDfan
Sat Oct 13, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3602

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature? Good question. We'd obviously like to experience the city, but definitely want to do other things (whitewater rafting, boat trip, maybe fishing charter). Now I'm thinking that we might just spend the whole time in Oregon using Portland as a bas...
by MDfan
Fri Oct 12, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3602

Pacific Northwest trip

Thinking of taking about a 9-day trip to Oregon/Seattle next summer with the family (adult kids). Does 5 days in Portland and 4 days in Seattle seem like enough time to get a good feel for each place? Probably would do day trips from each city but I only want to say in two hotels/AirBnBs. Any sugges...
by MDfan
Wed Sep 26, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 62
Views: 8028

Re: How to buy a mattress

Highly recommend Saatva/Loom and Leaf.
by MDfan
Wed Sep 26, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: 2011 Nissan Altima - Transmission Failure
Replies: 20
Views: 2310

Re: 2011 Nissan Altima - Transmission Failure

I had a Nissan maxima and an Infiniti that both needed new transmissions under 100k miles. I will never buy a Nissan again.
by MDfan
Tue Aug 07, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Auto Insurance for Out of State College Student
Replies: 7
Views: 614

Re: Auto Insurance for Out of State College Student

In the real world college students use cars owned by their parents in out of state locations. My experience is that my USAA insurance knows and expects all this to happen, so I just tell them where the car is garaged and who the principal driver is. This is all I've ever done. MY son went to school...
by MDfan
Tue Aug 07, 2018 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 17981

Re: Will you pay for your kids' college/graduate education?

Paying for all 3 undergrad. Two out-of-state (but one got scholarship and one participating in Academic Common Market to get in-state tuition). Not sure about grad school, but will definitely help out to the extent that we can.
by MDfan
Thu Aug 02, 2018 10:24 am
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

Re: 403B allocation help w/ Fidelity index funds

Was your allocation question adequately answered? For the most part. I need to really sit down and see what we have in our different accounts and maybe post something more in-depth. My IRA are invested in a basic Vanguard 3-fund portfolio (about 60/40). I was more interested in suggestions on what ...
by MDfan
Thu Aug 02, 2018 9:52 am
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

Re: 403B allocation help w/ Fidelity index funds

Thanks for the responses.
by MDfan
Thu Aug 02, 2018 8:56 am
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

Re: 403B allocation help w/ Fidelity index funds

The IRA is a rollover from a former employer's 401k, so the contributions have not been taxed. Current income combined is approximately $250k gross. I don't dread my job (attorney), but I can't see doing it past 60. I'm more than willing to do something else like go work at a golf course (which woul...
by MDfan
Wed Aug 01, 2018 3:55 pm
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

Re: 403B allocation help w/ Fidelity index funds

Fidelity 500 Index (FXSIX) Fidelity Extended market Index (FSEVX) Fidelity Global U.S. Index (FSGDX) Fidelity U.S. Bond Index (FXSTX) These are perfect. I guess I have the same question with regard to my TSP. If I were constructing the same/similar portfolio allocation, would I just use the C, I an...
by MDfan
Wed Aug 01, 2018 2:25 pm
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

Re: 403B allocation help w/ Fidelity index funds

It would help if you can edit your post to add the fund expenses for the 403b funds shown. Also what percentages of total retirement portfolio are the account baclances in the TSP and 403b? FXSIX - .015% FSEVX - .045% FSGDX - .06% FXSTX - .025% Total retirement portfolio is about $2.2 mil right now...
by MDfan
Wed Aug 01, 2018 11:25 am
Forum: Personal Investments
Topic: 403B allocation help w/ Fidelity index funds
Replies: 12
Views: 676

403B allocation help w/ Fidelity index funds

Just looking at my wife's 403B choices and was wondering what would be the best index funds to use to achieve our desired allocation (about 65/35 right now). The index funds she has access to are: Fidelity 500 Index (FXSIX) Fidelity Extended market Index (FSEVX) Fidelity Global U.S. Index (FSGDX) Fi...
by MDfan
Wed Aug 01, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 374
Views: 59715

Re: MoviePass-Too good to be true, but it's legit.

I could deal with surge pricing, but blacking out popular movies for 2 weeks is the deal breaker for me. Might try the sinemia service. No AMC chain in my town so the amc service is not an option. https://www.sinemia.com/ Has anyone tried Sinemia? Do you know if you need two memberships for two peo...
by MDfan
Wed Aug 01, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 20168

Re: Peloton spin bike worth the high cost?

I’m considering buying a Peloton spin bike with the monthly subscription for web cast classes. The cost is around $3,000 with all the bells and whistles. If you have the bike, are you enjoying it as much as you thought you would? Regrets? Thanks, Laura We own one and love it, which was a relief to ...
by MDfan
Tue Jul 31, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3739

Re: Best MacBook Value

We have 3 MacBook Airs and the screens seem perfectly fine to me. For what we do, the screen is great. We've had ours for about 4 years and I've had absolutely no complaints. Have you looked at the screen on a Macbook Pro? It's lightyears ahead of the one on the Air. The MBA has a resolution of 144...
by MDfan
Mon Jul 30, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3739

Re: Best MacBook Value

At the moment, I'd suggest the low end Macbook Pro, as others have suggested- primarily for the screen. The screen on the Macbook Air is basically the same as the screen on your computer, while the screen on all of the Pros is a very significant step up. Caveat: There are a lot of rumors flying aro...
by MDfan
Mon Jul 30, 2018 6:17 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3739

Re: Best MacBook Value

You can get the 13" MacBook Air for about $900 ($100 off w/government or education discount). We do mostly photo editing, word processing and web/email and it does everything we need. Never had a problem. I would suggest the bigger hard drive for pictures/videos, etc.
by MDfan
Sun Jul 29, 2018 5:41 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 20168

Re: Peloton spin bike worth the high cost?

My wife wanted one for Christmas. I looked into it and found a Facebook group where you could buy used ones. I bought one for $1500 that had been ridden for less than an hour. My wife liked the bike, but she wasn't into the classes. Lots of cursing, political statements and virtue signaling in a pl...
by MDfan
Sun Jul 29, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 20168

Re: Peloton spin bike worth the high cost?

Honestly, I have been more thoughtful about my health and exercising and considered one of these bikes. The problem I had was you would have to buy shoes, other accessories, etc on top of it. I bought a NordicTrack treadmill on Prime Day instead. $550 delivered to the door. It is compatible with iF...
by MDfan
Sun Jul 29, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 20168

Re: Peloton spin bike worth the high cost?

I’m considering buying a Peloton spin bike with the monthly subscription for web cast classes. The cost is around $3,000 with all the bells and whistles. If you have the bike, are you enjoying it as much as you thought you would? Regrets? Thanks, Laura I bought one last November and absolutely love...
by MDfan
Tue Jul 24, 2018 8:30 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1688

Re: Verizon streaming issues

Too often the steps taken simply waste money. We stream multiple devices with 25Mbps. Upgrading speed is NOT the solution. DIAGNOSIS is the answer. Figure out where the issue is before spending money. A wireless router in a basement, coupled with streaming via WiFi would be where I would focus. Are...
by MDfan
Tue Jul 24, 2018 6:21 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1688

Re: Verizon streaming issues

Too often the steps taken simply waste money. We stream multiple devices with 25Mbps. Upgrading speed is NOT the solution. DIAGNOSIS is the answer. Figure out where the issue is before spending money. A wireless router in a basement, coupled with streaming via WiFi would be where I would focus. Are...