Bogleheads.org

HI JamesG, Welcome to the forum. Reading that you are 20+ years from retirement and that you are intrigued by the flooring concept, it reminded me of another option that might also interest you. It is the Treasury savings bonds route. Mel, a well-respected contributor here, once illustrated how one ...

Hi kevin, Welcome to the forum. Great to see you at this young age wanting to start out the right way. With your income, you should have no problem hitting your numbers early. Here is what I'd do if I were starting: 1. Read, read, and read to education yourself. Here is a link to the wiki/books: htt...

Welcome to the forum. ...I am more inclined to start trading on the US market... This is the second post I read today from a young investor eager to start trading. Sigh... I am with Rad above - best to read a few books on Wiki first and you'll see this is probably not the best place to ask questions...

Hi parigi723, Welcome to the forum. I follow Taylor's portfolio so I have no experience with using an advisor. However there have been tons of discussions on how or where to find a good one. Here is a recent one, pay extra attention to the links in LadyGeek's reply as those are very helpful resource...

I don't have anything new to offer, except this old tune:

"Toto, we ain’t in Kansas no more."

Regards,
Faith

Hi sadie, ...I know a lot of middle-aged+ women who are facing their later decades alone and are trying to fund their healthcare ... I am sure you already know this but I feel prompt to highlight it again for the less informed forumers. LTCi is not quite equal to healthcare. I have nothing again LTC...

Barefootgirl, I understand your feelings and concerns. I was in a similar situation. He had just been laid off for the nth time and was working in a field that he was not trained for just to pay his bill. While we were dating he told me the history of his terminations and I could see he was just in ...

Ah, Rockville, I've lived right in the smack of it for over 20 years. If money is no issue, Montgomery county is a lovely place to retired to (the best in my eyes) - 10 minutes to Bethesda, 20 minutes to DC, 5 minutes to its own Strathmore, 10 minutes to C&O tow-path, 30 minutes to Appalachian t...

Congrats! And thanks for sharing your story. This, I am going to share with my friends who don't think saying small amount makes any difference in the bigger picture: It means the long, slow process of investing regularly through my IRA and through my 401(k), even though I never have earned over $55...

The current features are quite sufficient for us. However since ya'll are asking for something, I'll ask for one too. I'd like VG to establish a special class, say the Clipper (so not to overshadow the Flagship???) and charge even lower ER% for someone like me who don't need anything extra. :D :D :D...

Hi Fieldsy1024 , It sounds like you simply want to take the money out your Roth with Sharebuilder and close the account? If that's correct, the simple answer is yes. Like the others have mentioned it is a straightforward process. But, why do you want to? I know a lot of the people here are not eligi...

Before or after?

Thank you for the valuable points.

XM Player seems to be the winner. ...Off to the foxes now!

Thanks again,
Faith

Hi, I know there are several tech savvy residents here. I am new to the world of android tablets and would greatly appreciate your pointers. 1. My camera takes films in .avi format and my tablet plays .mp4 only. I believe I need to either get an app that plays avi or convert my files to .mp4. Could ...

Is this anything to do with TLH? I failed to see what you are trying to achive. If your goal is to simply shift shares between pre- and post- accounts then okay I see what you are saying. But you are by no means ... move pre-tax money from traditional IRA/401K to after-tax money in Roth. as stated i...

Hi Jay69,

Thanks for the link.

However, I think the article is more about "Roth vs. deductible IRA". When comparing Roth and non-deductible, Roth is no doubt the better choice. I have yet heard any example of otherwise.

Faith

I am not the OP but am having too much fun reading the replies. Like many others have said It's not necessary to find another complete Boglehead as a partner. :thumbsup However if you must ask, I would say, look for someone who knows the difference between needs and wants and have a good handle on t...

Once many years ago someone over the old M* board came up with an idea to use the Savings Bond to construct an annuity. I don't remember how the other posters rated it but the concept stucked with me. As I recall it is very similar to Allen Roth's.

Faith

does Capital One actually eat the Visa/MC forex fee (for ATM transactions)?? We are also in the process of looking for an answer. Due to the huge parity in their clerk competency, we plan to ask 5 different clerks before we can be sure. So far, we’ve asked two (one at a branch and one from the phon...

Hi x76apple, There is also the I and EE Bonds route. The limits are $10,000 per year per SSN for each bond (plus some wiggle room with your tax refund). It is not a lot but counts. I concur with the previous poster, IRS only gives us so much allowance. As a self-employed, you already have more room ...

...This is too much giddiness, too quickly... I disagree. If you read OP's again, it was a long period of LBYM and saving to reach where he is today. Where is the giddiness in that? As to the 120+ responses, it was a pad on the back from the fellow BHs for a job well done. That's a common practice ...

I agree with celia: I take these articles with a grain of salt. My MSA is the District of Columbia, about 70% of my peers work for the Federal Gov., State, or some mega contracting firms. Some have lucrative pensions but most are decent if not lucrative. I would say this group doesn't need to save l...

My Mom once told me it is easy to separate being cheap from being frugal. Being cheap is being frugal on other people's dime. Say I want to be frugal, so I order the most expensive meal and ask people to split the bill evenly, that's cheap.

Regards,
Faith

I could roll the TIRA into the 401k. Contrary to many the posters here, I prefer rolling the old rollover IRA into current 401K "IF" the plan has good options and allows roll-in. This way allows me more freedom in maneuver my after-tax IRA such as possible ROTH conversion down the road. R...

I go with either Opti-Free or Complete depend on which is on sale. However I never put the lenses in without first rinsing them off with some simple saline. I used to be able to wear them right out but about 10 years ago my eyes started to get irritated by the solution and rinsing first helped solve...

...if I can use my current LG phone with the Page Plus plan... I don't think LG or not is the issue. From what I hear, you can use any previously Verizon contract phone with PP (check their page FAQ). I have been with PP for a couple of years and am very happy with the quality. My Verizon contract ...

Thanks for the thread. It's been very educational. We have thought long and hard on this. Both DH and I have worked overseas for extended period in our career so retiring overseas is not a totally foreign concept. However, our concern has been if we can do it for the "long term". If I am s...

Sidney wrote:The third method may be illegal

Hahaha, indeed. I knew someone would say that.

If you live next door to a coffee shop or the county library then you'll be safe.

Regards,
Faith

I know of three ways to set up a hotspot:
1. Get a router,
2. Tether with your smartphone, or
3. Use your neighbors'.

The first 2 methods require internet service and the latter one is free but not secure nor dependable.

Regards,
Faith

Here is a list of places that offer senior discounts. I've not tried any myself.

http://www.giftcardgranny.com/blog/senior-discounts/

Faith

...and get the "Juicy Pork Dumplings" and the "Juicy Pork & Crab Dumplings."... ...I have had the dumplings that squirt all over the place ... Yes, Tim is right, #D2 it was. If I recall, the word "juicy" real meant "soupy" as it was explained to me. The s...

VictoriaF wrote:1997 Honda Civic

LOL! I have a Blue 1997 Honda Civic 4dr. DX, 90,000 miles. However, my main vehicle is a REI Novara hybrid.

Regards,
Faith

Din Tai Fung serves tasty food with reasonable price . Huh? I was in TW for a business trip in 2007. The University staff took us lunch there. The only thing I remembered from that meal was their jaw-dropping price. In another thread that’s going on right now -“Vacation to Washington DC”, someone s...

If you get eyestrain, you'd probably want to stick to one of the black and white eInk screens,.. That is very true. I have an iPad 1 and after an hour or so reading, everything else becomes fuzzy. However the typical e-Readers have their issues too. 1. they are too small for my aging eyes. 2. I can...

The OP said repeatedly that he is going to pay the fine. So I think some of you are a little too harsh on him. He is more concerned about the points. I got a speeding ticket once about 20 years ago. I went to the court, the judge asked me to pay additional $100 and sponged the points. If a judge cou...

That's pretty cool! I had no idea there would be an interest over there. Hopefully the local chapter is still around by the time I retire and move to Taiwan. What a coincident! We (me and DH) also looked into that possibility. But eventually its high cost of living (compare to other SE countries) a...

Lesson learned.

A big THANK YOU to all who commented.

Thanks,
Faith

Oops you made me realize that I might have said something offensive to my managers. Arghhh! I didn’t like to be called names – the “cat got my tongue” thing, so I was in a hurry trying to explain myself. But I get what you are saying. It could come across as something offensive. Arghhh! Arghh! doubl...

I don’t want to discuss politics so hopefully it will not get locked. I am required to take one of these classes twice a year. The most recent one was in September, only two months ago. A recent incident made me believe that management is exempted from taking them. Here’s what happened: A co-worker ...

We fund the IRAs in January and buy I-Bonds throughout the year.

PS. Gordon’s icon gives me the chuckle every time. Sorry, don't mean any disrespect.


Best,
Faith

I assume the OP is asking the cheapest cell phone "plan" as to the cell phone itselft? I have PagePlus - $80 for the 1st year, then $10 every 4 months after that. Hubby has the T-Mobile $100 for the 1st yr, then $10 every year after that. PagePlus has far better reception than T-Mobile. I ...

I am biased. I admit it with no shame. Let's just say there are two investment philosophies A and B. I followed method A faithfully for many years, I had to do all the work "watch like a hawk", endured all the heart attacks and still came out poorly. I then switched to method B. Very littl...

I am definitely intereted in getting one or two. Now what do I like to see on the shirt? Personally I don't like to wear anything with just a person's face on it. How about "John Bogle for President" or something to the effect of "...for the small people"? Not that he'll ever run...

Ahhh, so I have been looking in the wrong place then. I usually select the text first then a set of options would show up such as copy, change color, search, and etc. When I hit search it would show a dropdown list with two choices for searching web or wiki. Having used an IPad before, I automatical...

Hi, There was an earlier discussion about the various tables and I saw there are some happy owners of this device. I am wondering if you can help me figure out a how-to issue. I have been trying to figure out how to do a keyword search within the document using the eBook app that came with the table...

I have an IPad 1 and prefer to read epub files in large fonts so my opinions can be biased. 1. Ipad: Pro: a. the UI is by far the easiest to follow. b. never once it crashed or froze that I had to reboot c. the iBook does everything that I need. Con: a. no flash player so you’ll have to download app...

Hello everyone, I am an IPad novice but I know there are quite a number of IPad experts on this board and I would appreciate your help very much. I have an IPad1 which I mainly use for reading ebooks this far. I heard there is an app called “PBS for IPad” and I would like to use it to watch some Mas...

Hi Info_Hound, Here in upper Montgomery County our power went out Sunday monrning around 2ish and is still out. There were not much down trees this time so there must be something you said abou Mother Nature's trimning. We cooked soup on the grill in the dark last night and looked through pictures o...

I have only had 3 encounters with pit bulls and none was pleasant. Encounter #1, the critter was running loose without a leash. I saw it meandering down from the opposite direction so I turned and pedaled as if there was no tomorrow. Luckily I got a head start and was able to outrun it. I tell you i...

Hi VictoriaF, I agree that a board is not the same as a bike. I am an experienced biker and can do a lot of tricks on a bike but after practiced roller-blades for years, am still prone to falling. About regaining your skills, I would suggest starting from a smaller bike. Borrow a slightly shorter on...