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Re: Share your Hot-Rod Portfolio

SuperSaver wrote:Rock-Solid Blue Chips

50% Sears
50% Radio Shack


This made my day! Thanks!
by Faith20879
Tue Sep 16, 2014 10:37 am
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4132

Re: Clean, quiet, safe and cheap. Is there such a travel pla

From what I read, a high percentage of the food product (again both manufactured and agricultured) in China are either tainted or composites of ingredients you've never heard of. The most recent case I heard is the sewage being harvested, filtered, and re-sold back to the market as cooking oil. Not ...
by Faith20879
Fri Sep 12, 2014 12:05 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5721

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Not sure what kind of cleanness is being sought here - air, scenery, drinking water, food (either manufactured or agriculture), living environment, and etc.? Please define!
by Faith20879
Fri Sep 12, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5721

Re: Home Depot Breach - zip codes revealed

Hope this makes the migration to Chip+PIN faster.


I am not well-versed in the credit card technologies. From what I read, Chip+PIN would still require some info be stored somewhere (server or not), no? If so, won't hackers still be able to get to it?

Thanks!
by Faith20879
Thu Sep 04, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 5844

Re: What Movie Have You Recently Watched?

I am a poor judge of movies - all my girlfriends can back me up on that. My utterly unsophisticated rules are 1. did I like the story being told and 2. do I still remember the synopsis after a month? Watched " Eight below " last month and it fit the bill. It didn't have a strong plot and h...
by Faith20879
Wed Sep 03, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4407

Re: Financial Advisory Firms

Good question! There are different types of DIY investors too: 1. Those who truly can separate their emotions and make independent decisions, and 2. Those who think they can but more likely to bail at the first sight of trouble, and 3. Those in between. I happen to think type 2 investors can benefit...
by Faith20879
Wed Sep 03, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Financial Advisory Firms
Replies: 5
Views: 352

Re: My husband's " WILL", $ left for me to live on....

Hi OP,

Your story is so eerily similar to my family's and I cringed as I was reading.

Just curious, are you and your husband raised in the same cultural background?

Faith
by Faith20879
Fri Aug 29, 2014 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 17354

Re: Trying to understand the 1040 Tax Table

I have a homemade spreadsheet... This inspired me! I've just finished my 2014 tax worksheet and am now doing the 2019 projection. The concept of "bundling" is new to me but I am gradually seeing the logic in it. Wow, now I can play with all kinds of scenarios and see how the Roth conversi...
by Faith20879
Fri Aug 29, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Trip to China

Absolutely! Protect your electric ID at all cost - especially in China. We took a China tour last year and had a five-hour layover at Beijing Airport. To kill time, we signed up for the airport's free Wi-Fi (NEVER again). The sign-up form required an email address, to which we used one of hubby's ba...
by Faith20879
Fri Aug 29, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 761

Re: Trying to understand the 1040 Tax Table

Got it! "Effective Tax Rate"

Thanks!
by Faith20879
Mon Aug 25, 2014 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Trying to understand the 1040 Tax Table

Dear BHs, While explaining the Tax Table to a friend, a question came up. We started with the tax brackets and tax rates (10%, 15%, 25% and so forth), no problem there. Then we got to the Tax Table where each increment of 50, the tax amount is listed - for each filing status with less than $100,000 ...
by Faith20879
Mon Aug 25, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2479

Re: Help with son-in-law's new 401k

Hello Sweetbriar,

Welcome!

Those are indeed some high fees! Is there a match from his or her company? How long doe it take to vest? How much from each pay period are they committed to invest?
by Faith20879
Mon Aug 25, 2014 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with son-in-law's new 401k
Replies: 13
Views: 1420

Re: Dividend Excel Spreadsheet

Hello minhnusa, Are you referring to dividends paid out to you as cash or dividend re-investment? They are treated differently in my system. If former, I treat it as interest from any bank account and no, I don't keep record for cost basis reason. If latter, I use Gummy's (search Gummy) spreadsheet....
by Faith20879
Mon Aug 25, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Dividend Excel Spreadsheet
Replies: 4
Views: 638

Re: Municipal bonds 1y returns - exhuberance and caution

Yikes, this happens to be the month and year we are scheduled to reduce 1% equity into bonds as part of near-retirement preparation. Everything looks overvalued. This totally took away the joy of rebalancing. ARGH, biting the bullet right now! When I am craving for something in the market, if it loo...
by Faith20879
Thu Aug 21, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 56
Views: 5559

Re: Do Super wealthy have access to different investing vehi

Absolutely! Many years ago I went to a MoneyShow in DC. Some of the big ventures (or venders) required tickets to attend their private seminar and there were groups of people congregated by the entrance waiting to be admitted. Being young and naïve then I instinctively stuck my head into the crowd a...
by Faith20879
Mon Aug 18, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6342

Re: The (un)freshness of Starbucks bakery products

Starbucks is a marketing company that sells coffee. There are plenty of alternatives that can be had for much less and much more fresh. This! I am not a coffee connoisseur so rarely contribute to their profits. However a few years I was in Seattle for a work trip. One day I had to rise early for a ...
by Faith20879
Mon Aug 18, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4559

Re: Would you tip this tour guide?

Thanks! Many good suggestions, especially about submitting a review at their website. I will definitely follow up on that. A few afterthoughts: 1. When I first saw the shape of the third row, I did wonder. But then the guide kept saying "All seats are good", it tricked my mind as if, it be...
by Faith20879
Thu Aug 14, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2217

Re: Would you tip this tour guide?

Hmm, I see your point. I guess I was more disappointed about being stuck in the most dis-advantageous position for the longest time (4 hours) rather than getting a more evened out rotation - meaning, I didn't think he played fair.
by Faith20879
Tue Aug 12, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2217

Would you tip this tour guide?

This was a tour to an attraction about 4 hours away. There were the tour guide plus 6 tourists – an elderly couple (both petite), us (middle-aged, slightly underweight), and a 20-something couple (weighing about 250 and 300 lbs.). We didn’t know the other passengers. The guide showed up with a 7-sea...
by Faith20879
Tue Aug 12, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2217

Re: Rich Spouse, Poor Spouse

I know posters here keep assets either separate or combined and are happy with it.

But curiously, OP is asking about separate "tax liability" mentally - not assets or filing status.
by Faith20879
Thu Jul 24, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5739

Re: Will not using my dishwasher cause problems?

leftovers?


I can't imagine what they did with those. Crusty in an hour? Let's not go there. :P :P :P

I was in their rat hole once to pick up some class notes. One guy was just finishing up his gruel and he licked the plate clean. I just soon assumed they took no prisoners.
by Faith20879
Thu Jul 24, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3120

Re: Will not using my dishwasher cause problems?

This discussion reminded me of a couple of guys I went to grad school with in the mid 80s. Me and several girls rented a apartment together and these guys shared the unit across the hall from us. We were all living on a humble assistantship then and lived our lives in the lab. The apartments' kitche...
by Faith20879
Thu Jul 24, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 51
Views: 3120

Re: Riding the Rails--my Amtrak trip

Hello jazz,

I thoroughly enjoyed your report. Please keep it coming. Thanks!


Faith
by Faith20879
Wed Jul 23, 2014 8:54 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 78
Views: 9483

Re: High end purses

You mean one of these:

Image

Yeah, I use a new one each week to keep up with the fashion.
by Faith20879
Tue Jul 15, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 12914

Re: Karen, single, 61, $2 million.

It was in the 6/28 episode that you can listen to here : http://www.edelmanfinancial.com/radio . This episode has a longer than usual opening monolog so you'll have to scroll to a little past the half time. As far as I can tell, he didn't mention a word about Roth or annuity. I have been a listener ...
by Faith20879
Fri Jul 11, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3796

Re: Taxes & Selling a high-fee mutual fund

Hello vanhard,

Welcome to the forum!

you wrote:I'm going to get hit with a lot of taxes, yes?


It depends. Are these shares in a trust? Is the person who you inherited them from still alive? And, this wiki may help too:http://www.bogleheads.org/wiki/Step-up_in_basis


Regards,
Faith
by Faith20879
Fri Jul 11, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes & Selling a high-fee mutual fund
Replies: 6
Views: 1139

Re: How to Invest 300K?

Hello outrnm, Welcome! ...I can have these funds locked in for say 6-12 months... Are you saying that you will need this money in 6-12 months? If the answer is yes, I would keep it liquid such as savings or short rung CDs. You might be able to stretch it with a short term bond fund but personally, I...
by Faith20879
Fri Jul 11, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest 300K?
Replies: 9
Views: 1115

Re: Taiwan Local Chapter

Hello YJ, Welcome to the forum. Thanks for the question. Unfortunately I know next to nothing about any treaties or the lack of between TW and the USA. Actually judging by the terms you use, you probably know more than I do. If you are interested in hearing what other BHs' have experienced, you can ...
by Faith20879
Fri Jul 11, 2014 12:07 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taiwan Local Chapter
Replies: 46
Views: 5119

Re: Electric Bike

We saw several at Hudson Trail Outfitter's year-end clearance sale for $699. Thought long and hard about it but ended up not to for these reasons: 1. Ebikes are not allowed on multiple use trails in our local jurisdiction. 2. It weights a ton and I will no way be able to lift it on to a bus carrier ...
by Faith20879
Fri Jul 11, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Electric Bike
Replies: 16
Views: 2068

Re: How I look at $ in the real world vs my retirement accou

No you are not alone and yes I also agree that they are different. I've had this discovery about myself some time ago. That we could lose thousands in the market in one day without blinking of an eye yet we decide to hold off buying something that costs a few dollars until tomorrow because it’ll be ...
by Faith20879
Thu Jul 10, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 50
Views: 7171

Re: Calling all Cyclists... [help getting into cycling]

Thought I should give a progress report. This being the summer in Maryland, leaves and branches are constantly hanging over the trail or in some places have taken over the shoulders. I usually just kept my head down, eyes closed, and brushed on over. Lo and behold, over the weekend, blisters started...
by Faith20879
Thu Jul 03, 2014 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5530

Re: TSP vs. IRA?

If I remember correctly, Roth TSP is subject to RMD rule.

Faith
by Faith20879
Thu Jul 03, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP vs. IRA?
Replies: 17
Views: 1524

Re: Calling all Cyclists... [help getting into cycling]

:D :D :D dbr, you make some good points. Here is my dilemma: 1. The problem shoulder doesn't hurt when I am on the bike, 2. This season in Maryland is just too perfect to sit out, 3. I didn't think the hard gravel would make any difference, and 4. My bike was professionally fit by a store called &qu...
by Faith20879
Tue Jun 17, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5530

Re: Calling all Cyclists... [help getting into cycling]

Epsilon Delta wrote: ...let some air out...


Will definitely try this. Thanks! BTW, my tire size is 1.25. Are you saying a higher number gives me more rubber thus softer ride?

Faith
by Faith20879
Tue Jun 17, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5530

Re: Calling all Cyclists... [help getting into cycling]

Timely thread. I have a somewhat un-related health question. But with so many fellow cyclists checking in, I just couldn't resist. I have been biking to work for about 10 years and my commute is about 5 miles each way. My route takes me through a construction site that in the past 2 years has had a ...
by Faith20879
Tue Jun 17, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Calling all Cyclists... [help getting into cycling]
Replies: 71
Views: 5530

Re: Hoping to start off on the right foot... need advice

Hello dooley63, Welcome! Greetings from one of your fellow Marylanders. A few random thoughts: 1. At 25 years old and already 28% tax income. Congratulations! If you play your cards right, you should have no problem hitting your number quickly. 2. Trying to save up some down payment for the next hou...
by Faith20879
Mon Jun 16, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Hoping to start off on the right foot... need advice
Replies: 11
Views: 656

Re: With no children, who will take care of my finances?

Hi OP, I have bookmarked a couple of old discussions that cover exactly this topic. I had wanted to start a master thread to list them together when I get a chance and call it "Estate Planning and elder care for the childfree or childless". Anyway, here they are: http://www.bogleheads.org/...
by Faith20879
Mon Jun 16, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5924

Re: Rookie here...What do we do with our 403(b)?

Welcome! Capital Appreciation (PRWCX) is one of the best actively managed funds around. However, here at BH, most of us embrace the indexing way of investing which is a very different approach. My suggestion for you is to read the Wiki as much as you can and figure out for yourself whether indexing ...
by Faith20879
Tue Jun 10, 2014 3:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rookie here...What do we do with our 403(b)?
Replies: 11
Views: 517

Re: Should I stop investing in my Vanguard IRA?

I have two questions: 1. rolled over from a previous 401k Was this pre-tax or post-tax contribution? 2. $300 each month into my rollover IRA Was this deductible (pre-tax) or non-deductible (post-tax)? As you can see from my questions, it is generally not a good idea to mix pre-tax and post-tax money...
by Faith20879
Tue Jun 03, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2304

Re: Help me streamline my investment strategy

Traditional IRA can be deductible (with a MAGI qualification http://www.irs.gov/Retirement-Plans/2013-IRA-Deduction-Limits-Effect-of-Modified-AGI-on-Deduction-if-You-Are-Covered-by-a-Retirement-Plan-at-Work ) or non-deductible. Roth IRA is not deductible and also has a income limit http://www.irs.go...
by Faith20879
Tue Jun 03, 2014 11:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me streamline my investment strategy
Replies: 35
Views: 2170

Re: Keeping up with the neighbors and Balance

HI OP, I understand what you are feeling. I think it is normal to, from time to time, feel a little discontented about life, be it the house, the job, the family or what have you. It is important to figure out what is making you feel this way. If it is from not measuring up to the Joneses, be carefu...
by Faith20879
Mon Jun 02, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Keeping up with the neighbors and Balance
Replies: 95
Views: 10306

Re: New low income investor

Hello Welcome! 1. I'm currently contributing enough to get the maximum employer matching in my SIMPLE IRA, however I'm looking for some advice on what fund to choose. Would it be smart to just put it into the same fund as my Roth (Vanguard Total Retirement 2050)? It seems to perform well and has a l...
by Faith20879
Fri May 30, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: New low income investor
Replies: 6
Views: 1211

Re: I've Got $100K -- Where To Start?

Hello Welcome!

We have a wonderful section in the Wiki http://www.bogleheads.org/wiki/Getting_started that you might find useful.
by Faith20879
Fri May 30, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I've Got $100K -- Where To Start?
Replies: 39
Views: 4447

Re: Costs that go down/away or go up/first appear in retirem

I will say, for us, these expenses will go up: 1. Internet service - paid by work. 2. Mobile phone - paid by work. 3. Laptop/iPad - paid by work. 4. Gym fee - subsidized by work. 5. Transit subsidy. I pick up groceries near my office so we rarely need to make any grocery trip. That'll change. 6. Uti...
by Faith20879
Thu May 29, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Costs that go down/away or go up/first appear in retirement
Replies: 30
Views: 2894

Re: Ideas for dining inexpensively

As we both work 8 to 5 jobs, this is a very real need we face at least once a month. On the days we don't particularly fancy the Subway $5 deal, there are also: 1. Our grocery Wegmans has the $6 meal deal, you choose 1 entre and 2 sides and heat it up in the microwave located in their dining area. F...
by Faith20879
Tue May 27, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Ideas for dining inexpensively
Replies: 79
Views: 4623

Re: Break is over (Yep, a SS question) 😔

I love BH's collaborated wisdom! :D :D :D
by Faith20879
Thu May 22, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2808

Re: Break is over (Yep, a SS question) 😔

As long as there is effort on the other side, I am willing to do my part. I am one of the beneficiaries. Much appreciated! Do I need to "file and suspend" now? You might want to start your own thread so not to hijack OP's. Anyway, here is what I think: If your spouse is 9 years younger an...
by Faith20879
Thu May 22, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Break is over (Yep, a SS question)
Replies: 37
Views: 2808

Re: Advice on investing ~$100,000

Do most people still use the 6 month rule? That is a hotly debated subject here. Does one need EF at all? Here are the two sides of the coin: 1. No - because I can always liquidate my equities, up market or down market. 2. Yes - I don't want to risk selling at the bottom and I don't mind my EF maki...
by Faith20879
Thu May 22, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on investing ~$100,000
Replies: 9
Views: 1281

Re: Help me streamline my investment strategy

Hello shaX, I agree with bloom: 1. 401k up to the match 2. Roth IRA for $5,500 ($11,000 if you are married, 2 x $5,500) 3. 401k up to the limit of $17,500 - my reasons being 1. I don't believe your 403b's ERs would come anywhere near Vanguard's and 2. but don't leave any match on the table. Perhaps ...
by Faith20879
Tue May 13, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me streamline my investment strategy
Replies: 35
Views: 2170

Re: Newest, hottest investment fad....

Please don't confuse "many" with "all". It is like saying "many people don't like beef therefore everybody dislikes beef". This paragraph jumped out at me (page 13), A 10 year period was selected for this scenario because many index funds have only been available since ...
by Faith20879
Tue May 13, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Newest, hottest investment fad....
Replies: 31
Views: 4755
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