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Re: Stopping unwanted "junk" newspaper

Finally called the city and got the junk paper to stop. Huey, was that you, lived across the hallway from me? :D I love reading up the news and gossips in my local Gazettes which was delivered free within the muni line. I use to live in a condo. The last few months I lived there, the paper mysterio...
by Faith20879
Mon Apr 21, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1493

Re: *poor* Bogleheads

hello nebraskaman, I know how you feel. But don’t despair. You’ll get you days in the sun someday – if you are a hard worker. I got in the job market in the mid 80s. It took me (actually hubby too) 30 years to finally make just about the same amount as some the young folks on this board are making i...
by Faith20879
Fri Apr 18, 2014 10:15 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 5344

Re: Death of an ITIN holder

Ha, I read it so hastily that I totally misunderstood the text I quoted. My whatever disability made me read “a 2013 law says ITIN will expire after 5 years…” Talk about "instruction-impaired", how about a disease that "auto-re-align-to-what-I-want-it-to-mean" ? :oops: I’ll pass ...
by Faith20879
Thu Apr 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 391

Re: Death of an ITIN holder

Found the answer.

Effective January 1, 2013, Individual Taxpayer Identification Number(s) (ITIN) issued on or after January 1, 2013, will expire on December 31st five years after the ITIN was issued.

http://www.irs.gov/Individuals/Individual-Taxpayer-Identification-Number-(ITIN)
by Faith20879
Thu Apr 17, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 391

Death of an ITIN holder

Googled this but couldn't find anything relevant. Should the death of an ITIN(Individual Taxpayer Identification Number) holder be reported to the IRS? This person was a Canadian citizen living in the US, was a dependent on a 1040, had no assets and no work history, thus was not eligible for any US ...
by Faith20879
Wed Apr 16, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of an ITIN holder
Replies: 4
Views: 391

Re: Baby Boomers: Top 10 Movies

Nah, I am at the tail end of the boom, so most the movies on the list are before my time. Saw them all but perhaps I was too immature to really appreciate any. The one not mentioned but I remembered the most is Silence of the Lamb. I made a mistake by going by myself and there were about 4 other vie...
by Faith20879
Wed Apr 16, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 44
Views: 2749

Re: 25/ Am I on the right track?

...Do you think I should dial down my Small cap exposure... That's more of a personal preference. In general, SML cap provides more growth in the long run but it comes with risk - more volatile. You'll have to decide how much loss you can stomach in a real bear market. SML has had a nice run-up and...
by Faith20879
Fri Apr 11, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1152

Re: Bannability Index

I hope your BI stays low. Eagerly looking forward to reading your travel notes.
by Faith20879
Fri Apr 11, 2014 9:48 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 745

Re: 25/ Am I on the right track?

I don’t see any blatant problem in you fund selection. You could stay with it a couple of years until you have read all the wikis and are more confident with tinkering. Personally, I dislike paying high fees. I would probably forgo OIGNX and fill my international in the ROTH or taxable. I see you al...
by Faith20879
Thu Apr 10, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1152

Re: 25/ Am I on the right track?

I feel like I am way behind compared to other people,


Welcome! And, RELAX! You are not way behind. You are only 25 and you are doing fabulously. Don't let that negative self-talk dictate your thinking.

Is OIGNX in your previous 401K plan or the new 401K that you rolled into?


Faith
by Faith20879
Wed Apr 09, 2014 4:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1152

Re: What to do with cash?

Hi young,

Based on the information you gave (single income and 1 young child), I would leave the cash alone. 40K is about a year worth of emergency fund, in my opinion.

Regards,
Faith
by Faith20879
Wed Apr 09, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with cash?
Replies: 16
Views: 2367

Re: Advice Needed on Transitioning to DIY Passive Portfolio

A couple of thoughts: On the taxable, if you can't quite decide about the two VG funds, you can leave them be for now. If I were in the situation, I would go for the low-hanging fruits first - the ones you already paid loads for, the ones with the high ER, the ones with the CL, the ones that you wil...
by Faith20879
Wed Apr 09, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 52
Views: 3739

Re: Advice Needed on Transitioning to DIY Passive Portfolio

...two large existing Vanguard funds in my IRA , Wellington and Tax-Managed balanced, as there is an unrealized capital gain of about $110,000 over those two accounts... CG is, by and large, irrelevant in an IRA, you don't happen to mean a taxable account? I agree with retiredjg that you may want t...
by Faith20879
Tue Apr 08, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 52
Views: 3739

Re: Advice Needed on Transitioning to DIY Passive Portfolio

To get a survivor's benefit, we would have had to accept a far lower pension amount. Since hubby's parents are long-lived, he's a little younger than me, and he's very healthy, we elected a $100/month survivor benefit for me as we had to have something in order to assure I retain Federal employee m...
by Faith20879
Tue Apr 08, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 52
Views: 3739

Re: Which parts of the financial industry are improving?

Random Musings wrote:They are always working on improving their techniques to deceive the public.


:D :D :D
by Faith20879
Tue Apr 08, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Which parts of the financial industry are improving?
Replies: 10
Views: 827

Re: What next after you have enough sort of.

Hi Star, We are also about 4-6 years away and are actively contemplating the same issues. We use a non-scientific spreadsheet (all numbers are pseudo) to help visualize the different gaps and ways to fill them. It is especially helpful to the less-interested spouse to see where we are and thus more ...
by Faith20879
Tue Apr 08, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: What next after you have enough sort of.
Replies: 31
Views: 3386

Re: Discovered reason for taxable savings/investment

dm200 wrote:our local jurisdiction has a real estate tax deferral/forgiveness program


Hi dm200,

Do you mind disclosing if you are in DC, VA or MD?

Thanks!
by Faith20879
Thu Mar 27, 2014 9:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Discovered reason for taxable savings/investment
Replies: 11
Views: 1428

Re: BBQ Road Trip

Hi,

A migrated Gamecock here! This thread is making me homesick. Can I come with you?

I remembered those roadside bbq joints on the way to Charleston.
by Faith20879
Tue Mar 25, 2014 10:34 am
 
Forum: Personal Consumer Issues
Topic: BBQ Road Trip
Replies: 50
Views: 2941

Re: When to file social security benefits 62 or 67?

nfs wrote: (I'm 31 now). We have been talking about this recently, mainly about how our 20 year age difference impacts decisions.


You have a bride of 11 yoa? That sounds illegal. :D
by Faith20879
Fri Mar 14, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: When to file social security benefits 62 or 67?
Replies: 56
Views: 2952

Re: Tax question in TaxAct

With the free version, you can still look at the individual forms. I don't remember exactly where it is on the screen, but, look for the tab labeled "forms" and there you'll see a list of all the forms. BTW, TaxAct handled ours correctly. Perhaps you want to double check your filing status...
by Faith20879
Wed Mar 12, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax question in TaxAct
Replies: 10
Views: 407

Re: My Zombie Portfolio

As for my wife's IRA rollover, it is in an Amerivest account which TD Ameritrade charges 1%. Is it better to put that in bonds or in an Index? I am with Eg. First decide if you want to save that 1% fee or not, then figure out where to transfer the money to. Vanguard offers low cost funds of all siz...
by Faith20879
Thu Mar 06, 2014 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Zombie Portfolio
Replies: 14
Views: 1139

Re: Get ready for the Dow at 6,000 by 2016: Pro

- I beg to differ. I actually think Mr. Dent or Shilling are exceptionally smart guys. Think about it. Since no one has a crystal ball, the best way to win is to stick to your number ALL THE TIME rather than swaying from side to side. That way, you have higher chance to get it right one day and you ...
by Faith20879
Wed Mar 05, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4507

Re: Help Please! I have an Android tablet 101 question

Thanks for the quick replies. I see the gist of what you are saying. That is, try to start with the app rather than the ESFE and that the app may provide extra feature for navigation. Why didn't I think of that, duh? Now I know what I will be doing this weekend - looking for the hidden tap-able thin...
by Faith20879
Fri Feb 28, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Help Please! I have an Android tablet 101 question
Replies: 6
Views: 349

Help Please! I have an Android tablet 101 question

Hi All, I have this recurring scenario that I don't have a solution for and would very much appreciate your wisdom. As a proud grandaunt, I put all my nieces/nephews photos and videos in one folder. When show-off time comes, I use ES File Explorer(ESFE) to navigate to the folder and tap on a video t...
by Faith20879
Fri Feb 28, 2014 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Help Please! I have an Android tablet 101 question
Replies: 6
Views: 349

Re: Adding cash to rollover when retired/disabled?

...whether I continue to add funds to my rollover ira from my employer after i retired... Hi cseinv, From what you said, you've already separated from your employer (now former employer) and old 401K already rolled over. If that's the case, I don't believe you can contribute any new money to it. If...
by Faith20879
Wed Feb 26, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding cash to rollover when retired/disabled?
Replies: 8
Views: 363

Re: Taxes on 401K withdrawl

dadipsite wrote:... my employer sponsored 401K accounts ...


Was this pre-tax, after-tax, or mixed? If the whole pot is pre-tax then there is no basis.

Faith
by Faith20879
Fri Feb 21, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes on 401K withdrawl
Replies: 7
Views: 526

Re: Single, 28 Year Old - What Should I Do?

Laura wrote:Congratulations, I think you are doing a great job.


+100

You are doing wonderful! Do what Laura suggests and relax. I was not even close when I was 28.

Faith
by Faith20879
Fri Feb 21, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single, 28 Year Old - What Should I Do?
Replies: 3
Views: 730

Re: Avoid Abbreviations

Cosmo wrote:IRS? Please clarify.


Yeah you caught me. It stands for Internal Revenue Service :D :D :D :D
by Faith20879
Fri Feb 21, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Avoid Abbreviations
Replies: 66
Views: 2973

Re: Avoid Abbreviations

What is Required Minimum Distributions and what are the rules of Required Minimum Distributions? I have a few questions about Required Minimum distributions. IRS says that we have to start the Required Minimum Distributions at age 70 and some. When I reach the age for Required Minimum Distribution, ...
by Faith20879
Fri Feb 21, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Avoid Abbreviations
Replies: 66
Views: 2973

Re: Vanguard snowed in.

The plow just rumbled by and piled a fresh heap of frozen slush across the end of our driveway.. There has to be a solution to that. I often wouldn't even have to shovel if it weren't for the snow bank the plows create across the end of the driveway. This! I am sore allover. We had yesterday off bu...
by Faith20879
Fri Feb 14, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard snowed in.
Replies: 31
Views: 3458

Re: Story for Kiplinger Magazine

I would be very concerned about that. I much prefer to keep a low profile about my prosperity +1. I would not mind participating if they didn't actually name names such as "Faith Soandso of Thistown has amassed x amount..." I only read K'ger at my dentist’s office. Some months ago, in the...
by Faith20879
Fri Feb 14, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Story for Kiplinger Magazine
Replies: 12
Views: 2077

Re: Tax Free Municipal Bond Fund - Virginia

Hello criticalmass, We live in MD and have own the T Rowe Price MD Muni fund for many years. It fits our AA and we are happy with it. However, about 10% of its income comes from private activity interest which we have to report on IRS 6251. Check if your VA fund also does this or if its an issue for...
by Faith20879
Fri Feb 14, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Free Municipal Bond Fund - Virginia
Replies: 9
Views: 712

Re: Newly Married and Taxed

I'm always surprised that people hate taxes so much yet want to make that kind of income. Hate is a strong emotion. I didn't detect such sentiment in OP's. Personally, I think it is a sensible question. No matter what income level one is at, there is no harm in seeking wisdom in tax managing. We’ve...
by Faith20879
Wed Feb 12, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly Married and Taxed
Replies: 39
Views: 2350

Re: POLL: Is someone in your family a member of this Forum?

Nah, not interested. Once in a blue moon, I'd send him a link about home improvement or Engineering related subject then he might take a look. Other than that, no interest. Well, as least he knows we are not just a bunch of money geeks and that there are some very knowledgeable men/women amongst the...
by Faith20879
Wed Feb 12, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: POLL: Is someone in your family a member of this Forum?
Replies: 36
Views: 1908

Re: Applying for Social Security--very confused

Sorry OP, I didn't mean to hijack this thread. I promise I'll get out of your way soon. ssritic, you are a gem! Your calculation is very helpful and reinforces the numbers you illustrated in another thread that I started. I see I am using the words "apply" and "start" in the wron...
by Faith20879
Wed Feb 12, 2014 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security--very confused
Replies: 10
Views: 863

Re: Applying for Social Security--very confused

Thank you for the thread. Very timely. I am trying to understand the timing of filing in order to capature the DRC that I am aiming for. So, if OP is turning 70 in July and if he applies in June, the 132% will be in the January check (and all future checks) while the 5 checks before that will be at ...
by Faith20879
Wed Feb 12, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Applying for Social Security--very confused
Replies: 10
Views: 863

Re: How to apply COLA and DRC when delaying SS

Thank you, sscritic and vested1, for your help. Sorry it took awhile to check back. Work has been a horrid this week. I see I made at least two mistakes - 1 the COLA index is applied to the next year and that explains why the Wiki had it this way; and 2. the rounding does matter. Thanks again. I am ...
by Faith20879
Fri Feb 07, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to apply COLA and DRC when delaying SS
Replies: 4
Views: 373

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday, Taylor, and many many more. You are the best!

Faith
by Faith20879
Thu Jan 23, 2014 5:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12682

How to apply COLA and DRC when delaying SS

- Hi All, One of my resolutions for this year is to try to understand the basics of SS calculation. I built a spreadsheet base on the formula given here: http://www.ssa.gov/oact/progdata/retirebenefit2.html. I was able to follow the steps and match the PIA to the dime. However I am unsure of how COL...
by Faith20879
Thu Jan 23, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to apply COLA and DRC when delaying SS
Replies: 4
Views: 373

Re: Do you oversave for retirement or not?

Oversaving? Never!

I remember reading a similar discussion a few years back. Someone gave the usual 25x or 30x talk and then added "toss in another million for the long-term care". That stuck with me.

Faith
by Faith20879
Fri Jan 10, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 5820

Re: Should I open a new Vanguard account?

Hello brad, VG is nice but so is Fido. Each shop has its strong suit and also its weaknesses. Before you make the move, make sure you read upon some of the complaints of each. I remember one poster here disliked VG so much that he moved every penny out. So... make sure the complaints about VG are no...
by Faith20879
Fri Jan 10, 2014 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I open a new Vanguard account?
Replies: 7
Views: 967

Re: Payroll error with 401(k) catch up contribution

Hello mv, Sorry to hear your dilemma. That stinks. I don't know the answer to your question but we've had the same problem in different years. We just blame it on bugs in the HR’s computer system. We now every year check the first couple of paychecks to make sure the deductions come out properly. Fa...
by Faith20879
Fri Jan 10, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Payroll error with 401(k) catch up contribution
Replies: 5
Views: 536

Re: The Winter Blahs

Arrrrgh, talk about blahs, I had a terrible commute this morning. It rained all night and everything is now covered with sheet of ice here in upper DC/MD sub. Biking is out the question so I walked instead. My cleats and trekking pool kept me upright. But, being too focused on my steps I neglected t...
by Faith20879
Fri Jan 10, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 2980

Re: Ibond questions

All good reasons. Here is one more that's just personal: We use ibonds to build a floor (or a “self-constructed annuity”) . We allocate a fixed amount each year for this and will be cashing it annually to supplement the SS. If the markets get real bad that year, we’ll have at least the basics covere...
by Faith20879
Thu Jan 09, 2014 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibond questions
Replies: 27
Views: 1867

Re: Net Worth Survey, 2014 Edition

Hi bobblehead, Thanks for the nice work. Just entered our numbers w/o any trouble. Had to make a few guesses as we don't know the exact figures. When not sure, just entered 0 or a low estimate such as the SS. We are pretty average compared to the same age cohort. The biggest takeaway for me is the i...
by Faith20879
Tue Jan 07, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 18678

Re: 410K Help - new member

Hello FrugalGreek,

Welcome!

Some of these funds have front-load (A). Do you know if the loads are waived? Please check your 401K documents, it should say.

Regards,
Faith
by Faith20879
Mon Jan 06, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 410K Help - new member
Replies: 5
Views: 387

Re: Just Donated!! - Who is Alex Frakt?

No worry, you are good. Alex is our Admin. You can search his name if you like.

BTW, Alex, thanks for all you have done for us. Happy Holidays!
by Faith20879
Tue Dec 24, 2013 2:19 pm
 
Forum: Personal Consumer Issues
Topic: Just Donated!! - Who is Alex Frakt?
Replies: 7
Views: 1349

Re: The Best Things in Life Are Partly Free

The thousands miles of trails in my county - all free, oh, of course, you’ll need a good pair of hiking boots and a little bit of gas money.
by Faith20879
Tue Dec 24, 2013 1:55 pm
 
Forum: Personal Consumer Issues
Topic: The Best Things in Life Are Partly Free
Replies: 17
Views: 2384

Re: Got Mom a Kindle Fire HD! Top things I need to show her?

Someone mentioned library, what a wonderful idea. I would go further by signing her up for one of those tablet classes offered at the library. I did so myself, took my tablet to the class, learned how to this and that by clicking this and that, made friends there, and had a blast.
by Faith20879
Tue Dec 24, 2013 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Got Mom a Kindle Fire HD! Top things I need to show her?
Replies: 19
Views: 1193
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