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Re: Poll: Has your AA changed in the last 18 months

cfs wrote: Retired and made changes back in May 2014. Plan to make additional changes after my dw retires and we transfer the retirement plan investments to Vanguard. As I have said before, we rely on our pillow test and our current SWAN or sleep well at night portfolio is around 35/65 including cas...
by Almost there
Sun Jul 27, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3795

Re: savings and staying course with investment strategy

Thank you for your perspective. Sometimes, we all need to read this again.
by Almost there
Sun Jul 27, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: savings and staying course with investment strategy
Replies: 8
Views: 2026

Re: Divorcee about to reach FRA seeks SS information

Thank you sscritic for your personal input. You have helped me so many times. I received a letter from SS telling me that I will receive my first payment in April (have not received it). My May payment will be the second Wednesday which is based on my ex-husband's date of birth. Almost there 4/26/20...
by Almost there
Sun Apr 20, 2014 3:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1742

Re: Divorcee about to reach FRA seeks SS information

Like you I am divorced. Back in February I filed my restricted application online. Someone from Social Security then contacted me and asked to mail my marriage certificate and divorce papers. They were returned 10 days later. Allow approx. 4-6 weeks for the application until you hear when your first...
by Almost there
Sun Apr 20, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorcee about to reach FRA seeks SS information
Replies: 16
Views: 1742

Re: Target Retirement Expense Ratio?

Thank you, bubbadog, for posting: I have a target retirement 2030 fund with an expense ratio of.17%. I did the math and the weighted average expense ratio of the four funds which make up this fund is about half of the .17%. I am ok with periodically rebalancing my portfolio. Why shouldn't I just mak...
by Almost there
Sun Apr 13, 2014 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Expense Ratio?
Replies: 11
Views: 1187

Re: NJ State Tax

thank you Sometimesinvestor. I used the higher number and will receive a $92.00 refund.

Almost there
by Almost there
Sun Mar 23, 2014 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: NJ State Tax
Replies: 2
Views: 419

NJ State Tax

Looking for NJ Bogleheads while filling out my tax forms via H&R Block (Federal - Deductions tab) Selecting Which Taxes to Deduct Most of the time, you're better off taking the larger of the 2 amounts. However, there are some situations where taking the state and local sales tax deduction–even i...
by Almost there
Sat Mar 22, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: NJ State Tax
Replies: 2
Views: 419

Re: Hit a milestone today. Thanks Bogleheads!

I am so proud of everyone who is doing well in saving for their retirement. Thanks to someone I met on EON who believes in VG and the Bogleheads, I am doing well too. I have learned here so much and I am happy to give thanks to VG and their low ER, I am doing well too.

Almost there
by Almost there
Sat Mar 08, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Hit a milestone today. Thanks Bogleheads!
Replies: 31
Views: 5031

Re: The Gecko cost me a lot of $. How often to switch car in

I have been using the same Agent for 30 years now and every year he looks at all the insurance companies and obtains the lowest rate for me. I always keep with the same coverage and pay less every year. This year I have Plymouth Rock, last year it was Progressive and years before, Traveler's Insuran...
by Almost there
Sat Feb 15, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 8069

Restricted Application for SS-UPDATE

Just finished filing for Social Security online (https://secure.ssa.gov/iClaim/rib). It was quite an experience getting all my paperwork together and looking back at my life at the same time. Tip: The application allows you to save your application at any time and you are given an application number...
by Almost there
Sat Feb 08, 2014 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 731

Re: Tax credit for 2014

Thanks Jowi. Right now I am just thinking ahead.
Almost there
by Almost there
Sat Jan 25, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 513

Re: Restricted Application for SS

The Wizard wrote: Almost there wrote:I am not sure it matters. I want to file a restricted application as a divorcee who was married 30+ years. Almost there I'll be doing the same thing in two years at age 66. You need a lot of certified documents to prove your claim; check the list on the SS websi...
by Almost there
Sat Jan 25, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 731

Re: Restricted Application for SS

I am not sure it matters.
I want to file a restricted application as a divorcee who was married 30+ years.

Almost there
by Almost there
Sat Jan 25, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 731

Re: Restricted Application for SS

Thank you for all of your answers.

I have read a number of horror stories with the local SS office.

Almost there
by Almost there
Sat Jan 25, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 731

Re: Tax credit for 2014

Thanks for the update.
I will check out this website.
Almost there
by Almost there
Sat Jan 25, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 513

Restricted Application for SS

I have a question with regard to my restricted application for Social Security. I will be 66 in April and want to file for the restricted application. My preference is to file online. I would like to hear from people who have filed online and if there were any obstacles I should look for. Almost there
by Almost there
Sat Jan 25, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Restricted Application for SS
Replies: 11
Views: 731

Tax credit for 2014

I just read the following online: For Tax Year 2013: $500 credit for energy-efficient home improvements: Under this break, you could claim a tax credit of up to $500 for certain energy-saving improvements to your principal residence. Where do I find out if there will be a also a tax credit given for...
by Almost there
Sat Jan 25, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax credit for 2014
Replies: 7
Views: 513

New cellphone

Thank you everyone for your input.
Straighttalk offered some nice phones. Pageplus is offering phones I never heard of. Either way, I will check out these websites.

Almost there
by Almost there
Sun Jan 05, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3909

New cellphone

I would like to stay with Verizon since it gives me the best coverage where I live.

Right now I am thinking about purchasing a new phone but do not want to sign up for another 2-year plan.

Any suggestions as to purchasing a phone without breaking the bank and staying with Verizon?
by Almost there
Sat Jan 04, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: New cellphone
Replies: 63
Views: 3909

Re: Help with CDs maturing

Thank you, WKS 360, for your suggestions: Do you already have your emergency fund built up? Given your history with unemployment, I'd go out 6-9 months for living expenses which might make you sleep better at night as well. I know these have been mentioned before, but for fixed maturity / duration t...
by Almost there
Sat Nov 16, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 682

Re: Help with CDs maturing

Thank you, Texas hold em71, for your suggestions. Have you considered using the CD's for living expenses, increasing the 401(k) contributions and reducing your current taxable income? Right now I don't want to go back and invest in CDs since their rates are too low. The 2 CDs which are maturing paid...
by Almost there
Sat Nov 16, 2013 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 682

Help with CDs maturing

Hi everyone, I am a single female and have saved approx. $500,000. Next April I will turn 66 and plan on taking SS (approx. $1,200/month) via my ex-husband. Plan on working until I am 70 at which time I will take my full SS benefits (according to SS I will receive $2,300/month). My partner and I own...
by Almost there
Sun Nov 10, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with CDs maturing
Replies: 4
Views: 682

Catch-up contributions

Thank you, pingo. You wrote: If you are in the 25% federal tax rate now: a. Roth savings are taxed now at 25% federal. b. Traditional savings are taxed 0% now and then some will be taxed in retirement at 0%, some at 10% and some at 15% before reaching the 25% bracket (if it is you do get pushed into...
by Almost there
Sat Oct 19, 2013 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1707

Re: Catch-up contributions

Thank you, pingo, for spelling it out for me: 401k $17,500 Personal Contributions (Traditional and/or Roth 401k combined) $ 5,500 Catchup Contributions (Ditto.) IRA $ 5,500 Personal Contributions (Traditional and/or Roth IRA combined) $ 1,000 Catchup Contributions (Ditto.) Now for a second question,...
by Almost there
Sat Oct 19, 2013 9:07 am
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1707

Catch-up contributions

Thank you, pingo, who wrote: (Roth or Traditional) IRA contribution limits increased to $5,500 + $1,000 catchups for 2013, just like the 401k limits moved to $17,500 + $5,500 catchups. So to understand you correctly: I could add $5,500 to my 401(k) Roth via my paycheck for 2013 even though I already...
by Almost there
Mon Oct 14, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1707

Re: Catch-up contributions

Thank you, Spirit Rider, who wrote:
Contribution/Catch-up/Total/Type contribution limits for 2013 are:

$$5,500 $1,000 $$6,500 IRA
$17,500 $5,000 $23,000 401k


With IRA, do you mean Roth IRA? I would really prefer to add funds to a Roth IRA.

Almost there
by Almost there
Sun Oct 13, 2013 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1707

Catch-up contributions

I am working for a new employer and I just set up with their Retirement Savings Plan. (For the next 2 years there will be no company contributions.) While registering on the website with Transamerica (and they do offer VG funds), it asked if I want to do a catch-up contribution. I am 65 and have alr...
by Almost there
Sat Oct 12, 2013 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Catch-up contributions
Replies: 20
Views: 1707

Re: Social Security question about Restricted Application

Thank you everyone. This is very timely for me also. I just read about "restricted application" in AARP's October 2013 Bulletin. Just please let me know the following: When you filed online, and to be sure I will be doing it correctly, what am I looking for? How far in advance do you file?...
by Almost there
Sat Oct 12, 2013 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security question about Restricted Application
Replies: 16
Views: 914

Re: Medicare - Part B

I just don't want to pay an additional $100/month when I am charged $24/month by my employer with the health coverage being almost equal.

Almost there
by Almost there
Sat May 18, 2013 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - Part B
Replies: 17
Views: 792

Re: Medicare - Part B

Will probably work until I turn 70. That is my plan right now.

Almost there
by Almost there
Sat May 18, 2013 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - Part B
Replies: 17
Views: 792

Medicare - Part B

In April I turned 65 and started Medicare by paying quarterly premium for Part A + B. My next premium will be for July - Sept. I started a new job and will receive healthcare through my new employer starting in September. How do I drop Part B as of October, since my premiums through my employer are ...
by Almost there
Sat May 18, 2013 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - Part B
Replies: 17
Views: 792

Re: Article in the Wall Street Journal on 3/12/13

Thank you everyone for your input which was a lot more than I had anticipated.

Almost there
by Almost there
Mon Mar 25, 2013 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article in the Wall Street Journal on 3/12/13
Replies: 5
Views: 924

Article in the Wall Street Journal on 3/12/13

I have typed up an excerpt of the article from WSJ: 5 tax tips for those thinking about or getting ready for retirement. I have typed up an excerpt of the article from WSJ: 5 tax tips for those thinking about or getting ready for retirement. 1. Don’t forget about taxes when you look at the size of t...
by Almost there
Sun Mar 24, 2013 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article in the Wall Street Journal on 3/12/13
Replies: 5
Views: 924

Re: VG International Bond Index Fund

Thank you, Stan1, for showing some understanding. And remember, I don't have to justify my reason to anyone, but I understand that you will want to know. And, no, as I mentioned previously, I am not moving my funds away from VG. I am just frustrated with some of the things VG does. At the end it'll ...
by Almost there
Sun Mar 03, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

Poor definition.

Almost there
by Almost there
Sun Mar 03, 2013 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

As far as I am concerned, VG did not.

Almost there
by Almost there
Sun Mar 03, 2013 11:27 am
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

James SFO wrote: How were you given incomplete information? What other examples of this do you have? They provided notice reasonably well in advance of the new fund launching and described the proposed change. Having to come here and ask the question instead of VG giving me the complete info of the ...
by Almost there
Sat Mar 02, 2013 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

zaboomafoozarg wrote: If you have TR and Life Strategy, you already have way more international stocks than you will bonds. Dale_G wrote: Successful long term investing involves playing the odds. Over the long haul, adding International bonds should improve risk adjusted returns. Only time will tell...
by Almost there
Sat Mar 02, 2013 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

Thank you Stan for the info. I know the percentage and am not happy with it anymore. And I wont move away from VG. Also thank you for your suggestion. It is very much appreciated. Will look also at other balanced funds.

Almost there
by Almost there
Sat Mar 02, 2013 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

Stan2 wrote:
Can you explain why you are unhappy these funds are adding international bonds? The 2 funds in question already hold international stocks.


I truly prefer not to hold any international funds and this is just adding more international funds to my holdings.

Almost there
by Almost there
Sat Mar 02, 2013 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Re: VG International Bond Index Fund

minesweep,
I am sorry, I don't understand your posting since it doesn't answer my question.

Dandy,
Thank you for your explanation.

I am just very unhappy that VG is adding the international funds and will now be moving my funds away from TR and Life Strategy.

Almost there
by Almost there
Sat Mar 02, 2013 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

VG International Bond Index Fund

I received an email from VG informing me that they will be: Adding international bond exposure We're adding a new fund, Vanguard Total International Bond Index Fund, to each of our Target Retirement Funds. The funds will apportion 20% of their fixed income allocations to the new fund. The internatio...
by Almost there
Sat Mar 02, 2013 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: VG International Bond Index Fund
Replies: 24
Views: 1751

Converting a Traditional IRA to a Roth IRA?

Hi to everyone who posted here during November 2012 to help me with finding just the right amount of money to convert from a Traditional IRA to a Roth IRA. I had finally found a job and earned approx. $4,059 in 2012. I went ahead and converted $4,500 from my IRA to my Roth IRA. And as you predicted,...
by Almost there
Wed Feb 27, 2013 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Converting a Traditional IRA to a Roth IRA?
Replies: 50
Views: 4956

Medicare online application

Just finished filling out my Medicare online application and, as I thought would happen, it did throw me a curve. The application asked if I was born in the U.S. or am I am naturalized citizen? Yes, I am a naturalized citizen. So now they wanted the date of the naturalization. Well, I finally found ...
by Almost there
Sun Feb 10, 2013 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare online application
Replies: 17
Views: 1351

Re: Medicare online application

mur44 wrote: For Almost there: You will be directed to SSA.GOV website to enroll into Medicare. Medicare enrollment means enrolling into Part A and/or Part B. Thank you very much for that info. ndchamp wrote: You could always stop by your local SS office (avoid Mondays) and talk to somebody about yo...
by Almost there
Mon Jan 21, 2013 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare online application
Replies: 17
Views: 1351

Re: Medicare online application

Someone wrote here approx. 10 minutes.

And God bless you for your parents.

Almost there
by Almost there
Mon Jan 21, 2013 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare online application
Replies: 17
Views: 1351

Re: Homeowner's insurance - shopping around

You are correct: Dratkinson Being blessed with a mind that, on its own, sometimes transposes things (when it doesn't forget them all together), I understood ETF to be EFT (electronic funds transfer). That was a typo on my part: I meant: EFT: electronic fund transfer. Sorry for this mishap. Almost th...
by Almost there
Sun Jan 20, 2013 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - shopping around
Replies: 16
Views: 1682

Medicare online application

Thank you, sscritic, for your info. At this time I am working as a temp and will, hopefully, be hired by the company as a full-time employee (which will mean receiving health-benefits). I guess I will have to sign up for both A & B. I am still rather confused about it and will need to read the l...
by Almost there
Sun Jan 20, 2013 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare online application
Replies: 17
Views: 1351

Re: Homeowner's insurance - shopping around

My agent informed me that I would save if I bundle auto with homeowner's insurance. Perhaps you will want to look into that. Also, when I contacted both Liberty Mutual and Geico they were both very high. Presentely I am with ACIC. Their premiums are much lower and I pay 11 monthly premiums via ETF. ...
by Almost there
Sun Jan 20, 2013 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance - shopping around
Replies: 16
Views: 1682
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