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Re: Missing TSP Contribution?

BFG,

I checked my TSP account and it shows my contribution and match dated 7/17/14.

I hope that you are able to discover what happened.
by GracieLou
Sun Jul 20, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Missing TSP Contribution?
Replies: 13
Views: 1911

Re: Late starters: what age did you start investing?

I started investing at 32, but lost my job in 2007. I re-started my investments in 2009 and have been consistently saving ever since. The most important piece of advice I ever received was to save as much as I could on a consistent basis. This advice rings true every time I watch my 401(k) and Roth ...
by GracieLou
Fri Jun 20, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5789

Re: Tree removal

As someone said, tree removal is expensive. I paid 4K to have two 90 ft oak trees and stumps removed. The job required some heavy equipment (crane, bucket truck, etc) so I am certain that drove up the price, as well as, the tricky operation of getting it all as near to the trees as possible. I love ...
by GracieLou
Sun May 11, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Tree removal
Replies: 16
Views: 1063

Re: Purchasing first smartphone, need advice

We ended up settling on two 32 GB Nexus 5s. They were $399 each and are unlocked. We will both be going with Straight Talk because ATT offers a much stronger network and the savings through Ting for my wife were likely to be negligible. The advantages of buying an unlocked phone are that they will ...
by GracieLou
Sat May 10, 2014 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4528

Re: Opinions - Fidelity Four in One Index

Hi lws6772, I use these funds below, in my Roth IRA, and my asset allocation is 80% stocks (57.5% US & 22.5% International) with 20% in bonds. FSTVX - Spartan Total Market Index Fund - Advantage Class FSGUX - Spartan Global Ex US Index Fund - Investor Class FBIDX - Spartan US Bond Index Fund - I...
by GracieLou
Thu Aug 08, 2013 11:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - Fidelity Four in One Index
Replies: 11
Views: 1867

Re: At what age you guys started investing ?

I started saving in a savings account at 18 and that continued during the four years I was in the military. Once I got out, though, I got careless and didn't pick up serious savings or investing again until age 33 so I was (and still am) behind the power curve. I have focused on saving what I can an...
by GracieLou
Tue Aug 06, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 4043

Re: Opinions - Fidelity Four in One Index

I invested in this fund until I could get enough to meet the minimum balances to invest in the three Spartan funds. FFNOX was better than my previous 2040 Freedom Fund. If I wasn't in the Spartan funds I would still be in FFNOX just for the convenience of an all-in-one fund with a low ER. In my opin...
by GracieLou
Tue Aug 06, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions - Fidelity Four in One Index
Replies: 11
Views: 1867

Re: [Sad news - Pat Larimore]

Hi Taylor,

I offer my sincerest condolences, to you and your family, for the loss of your beautiful wife, Pat.

GL
by GracieLou
Fri Jul 19, 2013 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16248

Re: fidelity bogleheads

I use the Spartan Funds in my Roth IRA at Fidelity at 80/20 allocation. I am working my way up to the Advantage Class for all three for the better ERs, but not quite there yet! FSTVX - Spartan Total Market Index Fund - Advantage Class FSGUX - Spartan Global Ex US Index Fund - Investor Class FBIDX - ...
by GracieLou
Sun Jun 30, 2013 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity bogleheads
Replies: 22
Views: 3384

Re: Paper versus e-Reader

I love both, but the Kindle easily wins out while traveling.
by GracieLou
Thu Jun 27, 2013 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 4139

Re: Are you expected to subsidize friends and family?

No, I have never been expected to subsidize my friends and family. I have been blessed and, at one time or another, had folks help me along the way. I figure that, if I can, I will pay it forward with a smile. If it ever becomes an expectation I have no qualms about cutting them all off :D :P
by GracieLou
Thu Jun 27, 2013 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Are you expected to subsidize friends and family?
Replies: 52
Views: 5884

Re: What age did you reach 100K networth?

This year - age 40 - on my 61k salary. I just went over 126k, using only liquid and retirement asset numbers, and I am happy. I have embraced the Bogleheads methodology of saving since I joined this site and it is paying off tremendously! I still have a long way to go, but I will stay the course...
by GracieLou
Thu Jun 27, 2013 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 35165

Re: Fidelity has the best customer service I know of

I have also had great customer service from Fidelity even though I don't have a large sum of money with them. I contacted them via phone and used their email feature and received prompt responses each time. So far, they have worked out for me :happy
by GracieLou
Mon May 13, 2013 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity has the best customer service I know of
Replies: 57
Views: 3709

Re: Roth Overcontribution

I apologize, in advance, for bumping this thread, but I want to keep everything together. FYI, I tried to get on tfb's website; however, it seems to be down at this time! 2012: • Re-characterized $1,397 from Roth to TIRA (orig. contribution was $1,249) • Made $3,750 non-deductible contribution to TI...
by GracieLou
Fri Mar 01, 2013 2:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth Overcontribution
Replies: 5
Views: 739

Re: Free Book!

Thank you! I downloaded it and look forward to reading it.
by GracieLou
Fri Feb 01, 2013 11:16 pm
 
Forum: Investing - Theory, News & General
Topic: Free Book!
Replies: 20
Views: 3493

Re: Do you pay your taxes/insurance separate from your mortg

No, I pay through escrow because my credit union required it because of my VA loan. Fortunately for me, my lender has been very good about paying everything on time - so no complaints yet. I have, in the past, paid taxes and insurance separetely for two other homes.
by GracieLou
Fri Feb 01, 2013 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you pay your taxes/insurance separate from your mortgage?
Replies: 42
Views: 2740

Re: Kindle Fire without a credit card?

But this has made me wonder about something else - think I've heard about a Visa gift card or something like that. In fact, I wonder if this is exactly what some of you are talking about. Is a pre-paid debit card something different from those pre-paid credit cards that some people get to establish...
by GracieLou
Sat Jan 19, 2013 11:34 pm
 
Forum: Personal Consumer Issues
Topic: Kindle Fire without a credit card?
Replies: 17
Views: 4310

Re: How much money do you keep in your regular checking/savi

1-2k in checking for expenses and 7k in savings; however, right now the savings is at 30k due to a CD that recently matured.
by GracieLou
Sat Jan 19, 2013 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 77
Views: 6485

Re: ITunes Sale on Jack Bogle's Little Book of Common Sense

I just picked up my $6.99 copy from Amazon for my Kindle. Thanks for the heads up :happy
by GracieLou
Sat Jan 19, 2013 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: ITunes Sale on Jack Bogle's Little Book of Common Sense
Replies: 33
Views: 3963

Re: For those of you who have kept your cars for a long time

95 4-Runner with 190K miles and still going strong when I passed it on to my brother in November!
by GracieLou
Mon Jan 07, 2013 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those of you who have kept your cars for a long time...
Replies: 95
Views: 5762

Re: Buy new car / repair service at different places?

I purchased my car from a dealership two hours from where I live, but have it serviced locally only because of the warranty and I don't want to void anything. I haven't had any issues with higher pricing, but when the warranty runs out I will have it serviced from someone other than the dealer.
by GracieLou
Tue Jan 01, 2013 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy new car / repair service at different places?
Replies: 12
Views: 655

Re: Reminder: 5 Year Rule on Roth Conversions

I can see how there would be a fee if the poster is rolling everything out of a tIRA and into a 401k which seems to be what this poster is talking about. They certainly have one if you roll your tIRA from Fido to Vanguard (according to previous posters). I had a $50 fee from Fido when I rolled over...
by GracieLou
Fri Dec 28, 2012 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reminder: 5 Year Rule on Roth Conversions
Replies: 30
Views: 2529

Re: Have you ever temped?

Yes! I temped twice and also did a 6 month stint of volunteer work and it didn't hurt at all. In fact, it showed that I was trying to learn new skills and keep old ones dusted off. Now, I only had to worry about me (no family) so it was easier to do this. I wouldn't hesitate to do it again if I had ...
by GracieLou
Fri Dec 28, 2012 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever temped?
Replies: 14
Views: 1566

Re: Roth Overcontribution

Livesoft, thanks for your reply! I hope the process goes very smoothly for you in case you fall under the same situation. I re-read the backdoor Roth Wiki and the link to tfb's post that decribes (in detail) what needs to be done. I contacted Fidelity and got a tIRA account set up because my other I...
by GracieLou
Tue Dec 25, 2012 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Overcontribution
Replies: 5
Views: 739

Re: New car or used car?

I lean towards new. I keep cars for a long time and, with a new car, I get EXACTLY what I want/need (and am willing to pay for). This is part of the reason for the price difference between new and used: with used, you may not get exactly the colors or options that you would've chosen in a new car. ...
by GracieLou
Mon Dec 24, 2012 2:50 pm
 
Forum: Personal Consumer Issues
Topic: New car or used car?
Replies: 31
Views: 3168

Re: Can you fund a TSP by writing a check?

No, unfortunately not. I was able to add funds to my TSP via rollover IRA (as described in the link) so if that is an option for you it may be worth consideration.
by GracieLou
Mon Dec 24, 2012 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you fund a TSP by writing a check?
Replies: 4
Views: 788

Roth Overcontribution

Good morning Bogleheads, I have been a regular reader since 2011 and this site and the advice is amazing. I recently got married at the end of October, and as fate would have it, our MAGI makes me ineligible to contribute to my Roth for 2012. My problem is that I already have $1,249.32 in my Roth fo...
by GracieLou
Mon Dec 24, 2012 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Overcontribution
Replies: 5
Views: 739

Re: Big Bank experiences and switch over to Credit Unions

I have been with NFCU since 1992 and have been very pleased with the customer service that I received over the years, both abroad and in the states. I don't have much experience with big banks because I use my credit union for savings, checking, CD's, and mortgage.
by GracieLou
Mon Aug 27, 2012 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Big Bank experiences and switch over to Credit Unions
Replies: 44
Views: 4278

I have 2 -- the Fidelity Freedom Fund 2040 (FFFFX) in my Roth; however, that will change to Fidelity Four-in-One (FFNOX) once I hit the 10K mark & the L2040 in my TSP. FFNOX is actually $2,500 if held in retirement accounts. Wow, thank you very much for this information! I am going to read the ...
by GracieLou
Tue May 10, 2011 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How simple is your portfolio?
Replies: 63
Views: 7979

I just completed my Fidelity 401(k) rollover to the TSP - painless - and I am eager to see how it works out for me!
by GracieLou
Sun May 08, 2011 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving 401(k) to IRA or Thrift Savings Plan
Replies: 12
Views: 2990

I am not a Boglehead yet, but I am learning as much as I can about the philosophy. In 2006, I purchased the 5th Ed. of Personal Finance for Dummies & the 4th Ed. of Investing for Dummies , both by Eric Tyson. They have been packed away for awhile, but I recently started to re-read both of them a...
by GracieLou
Sun May 08, 2011 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: When did you become a boglehead?
Replies: 36
Views: 3280

NFCU has had this rate for sometime. I hope that their rate is as good as this once my 7 yr certificate (5.3%) matures next year! I plan on just sticking with that 7 year timeframe since I don't really need the money for anything.
by GracieLou
Sun May 08, 2011 8:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 5% CD's maturing - Where are YOU reinvesting your money?
Replies: 50
Views: 6954

I have 2 -- the Fidelity Freedom Fund 2040 (FFFFX) in my Roth; however, that will change to Fidelity Four-in-One (FFNOX) once I hit the 10K mark & the L2040 in my TSP.
by GracieLou
Sun May 08, 2011 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: How simple is your portfolio?
Replies: 63
Views: 7979

Hi Taylor,

Thank you for the advice and the warm welcome. I have a lot to learn and many more books to read :D

Gracie
by GracieLou
Sat Apr 30, 2011 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 2
Views: 603

Portfolio Advice

This portfolio isn’t much, but I am trying to make up for lost time. I am still relatively new to serious investing so I have been reading all I can and I am glad that I found this site a few weeks ago. Here is my modest retirement portfolio: Emergency funds = Yes, 21K (6 months, worst case scenario...
by GracieLou
Sat Apr 30, 2011 1:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 2
Views: 603

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