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Re: Irrigation system question

upper mid west ] You have a lot of little nipples on there which are used to get the water blown out of the system (and prevent it from freezing). I'd guess that your guy didn't get all the water out when he winterized it. This would be my guess as well. I have someone come in the late Fall and use...
by Info_Hound
Tue Apr 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 28
Views: 1183

Re: heartbleed - widespread internet security problem

The TSP web site just posted this message: "TSP Safe from “Heartbleed” Bug — (April 10, 2014) We have reviewed our systems. TSP.gov is not affected by the Heartbleed vulnerability." Good to know! However I am not feeling good about Comcast or Excel energy. I pay my bills online at these si...
by Info_Hound
Thu Apr 10, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16147

Re: [Poll] Which of These Types of Investments do you Own?

Have TSP account and could not decide where the G Fund fell in the picks so I chose 'other'.
by Info_Hound
Tue Apr 01, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

Re: BOGLEHEAD CONTEST LEADERS -- First Quarter 2014

It's April Fools...

I've hit my highest ranking early and now can only watch as I slowly sink into the sunset. 8-)
by Info_Hound
Tue Apr 01, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST LEADERS -- First Quarter 2014
Replies: 3
Views: 440

Re: Possible TSP Changes

MichDad, Thanks for the update! By all means keep the info coming. I wish the TSP would stop talking and actually announce a timeline for implementing the discussed withdrawl changes. I think they are a bit behind the curve in that other institutions already note their withdrawl options are less res...
by Info_Hound
Wed Mar 26, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Possible TSP Changes
Replies: 20
Views: 2448

Re: Preparing to retire checklist

Congrats on your pending retirement! :beer I'm following your posts regarding your TSP withdrawl plans. It's an area that I agree must be approached with a clear plan due to the potential tax implications. I am a TSP survivor beneficiary and some of the TSP benefits are not available to us. However,...
by Info_Hound
Sun Mar 16, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 89
Views: 7404

Re: Please Help Me Find A Doctor

Even if you find a new doctor, he/she will not have your immunization records. You need to contact your pediatrician/other doctors you have had, to get that info. Have you tried your insurance company for a list of doctors that accept your insurance? That could be a good place to start to find a ne...
by Info_Hound
Sun Feb 23, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1864

Re: Your strategies, decisions, actions - Retirement 5 years

This might be the book for you: "Control Your Retirement Destiny - Achieving Financial Security Before the Big Transition (Smart Financial Decisions for the 50+ Club)" by Dana Anspach My CPA recommended I read it and it has helped answer a number of retirement (pre & post) planning que...
by Info_Hound
Sun Feb 23, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your strategies, decisions, actions - Retirement 5 years out
Replies: 19
Views: 1929

Re: Honda CR-V vs Subaru Forester

I'm not sure how much maintenance information you are going to get in regards to a 2014 model, but as to my 2009 CRV (and to the extent that it helps), I get around 22-25 mpg in the city and 26-33 mpg on the highway. In colder temps, the mpgs tend to the lower scale. Maintenance has been limited to...
by Info_Hound
Thu Feb 20, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4350

Re: Possible TSP Changes

MichDad many thanks for the TSP post! I am interested in what changes they are contemplating for 'Extending 70 1/2 rules to BPAs'. Hopefully that discussion will surface soon as it has major tax implications for us beneficary participants. BPAs are currently prohibited from setting up a TSP Roth (if...
by Info_Hound
Fri Jan 31, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Possible TSP Changes
Replies: 20
Views: 2448

Re: What *INVESTMENT* books are you currently reading?

Control Your Retirement Destiny - Achieving Financial Security Before The Big Transition by Dana Aspach (Smart Financial Decisions for the 50+ Crowd) Just finished reading this little gem and loved how consise and clear the author presented the material. It's current, using 2012 stats and tax chart...
by Info_Hound
Wed Jan 29, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What *INVESTMENT* books are you currently reading?
Replies: 77
Views: 22848

Re: Retiree Roth Conversion Decision Model

Thanks for posting the 14.0 version. I just grabbed the updated copy.

Agree this is Wiki worthy, I'm glad we are giving it a good home so it is not lost.
by Info_Hound
Tue Jan 21, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Conversion Decision Model
Replies: 98
Views: 18997

Re: Finished Basement Ideas

You might want to consider putting under tile heating for the bathroom. Basement floors are cold, tile on bare feet feels really cold. If the bathroom is small, it's not a great expense.
by Info_Hound
Wed Jan 15, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2019

Re: Biotechnology or Microbiology

… and I am spending the day writing letters of recommendation for college scholarships for my summer interns. :) As a parent of a Biomedical Sciences major with a minor in Chemistry working in a university research lab who is looking to land a spot in another summer research lab...I thank you for w...
by Info_Hound
Mon Jan 13, 2014 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biotechnology or Microbiology
Replies: 36
Views: 1150

Re: 2013 Tax Question Regarding New Roth Account

I knew that lightbulb was a bad idea. Oh well, nothing ventured nothing gained. The meeting with the new CPA was to explore long term tax planning strategies and admittedly I am a newbie at this. He looked in all the usual places, doing a quick search while I was there but nothing solid jumped out t...
by Info_Hound
Fri Jan 10, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 Tax Question Regarding New Roth Account
Replies: 4
Views: 281

2013 Tax Question Regarding New Roth Account

I sat down with a new CPA today and had a discussion about whether it made sense (tax wise) to open a Roth and do a conversion for some of my tax deferred assets. We were talking about next tax year, but then a light bulb went off in my head. (That's always a bad sign :idea: ) A question I have was ...
by Info_Hound
Thu Jan 09, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 Tax Question Regarding New Roth Account
Replies: 4
Views: 281

Re: TSP Monthly, Quarterly, and Annual Returns - December, 2

It's a bit tough to find clear analysis of the TSP. Many thanks again for providing TSP clarity! :D
by Info_Hound
Wed Jan 01, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Monthly, Quarterly, and Annual Returns - December, 2013
Replies: 8
Views: 822

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1880

My crystal ball said the future is murky. :shock:
by Info_Hound
Wed Jan 01, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 525
Views: 10641

Re: Another state tax question [Moving from MD to GA]

I moved from MD (as a resident) to CO (established new residency) when I retired in 2012 with wages earned in MD from 1/1 until 6/3. No wages earned in CO in 2012. Tax rules in 2012 for MD required wages earned in MD while I was a resident be paid to the state of MD. Income earned after I declaired ...
by Info_Hound
Wed Jan 01, 2014 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 395

Re: Using cash

I carry a small bit of cash for small local purchases. I do use my CU debit card for local purchases and for gas. The debit card has been compromised twice is 25 years due to 'data base' hackers instead of scimmers at the point of sale or greedy sales/wait people. Both times my CU was on top of it a...
by Info_Hound
Mon Dec 23, 2013 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Using cash
Replies: 56
Views: 2824

Re: Tipping Movers

Um, yes. Always tip movers (at least that's been my practice). Make sure to do it in cash, giving each member of the crew directly the same amount (never hand it off to the "head guy" assuming he will pass it along). I normally tip about $20 per mover....so with a 3-man crew working a hal...
by Info_Hound
Thu Dec 19, 2013 11:12 am
 
Forum: Personal Consumer Issues
Topic: Tipping Movers
Replies: 41
Views: 1763

Re: Retiree Roth Conversion Decision Model

Thanks so much for your reply! I greatly appreciate all you have done and your quick response to my queries. I've been mulling over the convert/no convert question and had not found a tool that could help point out the pros and cons in the way yours does. I'll give it a go and see if I can get it to...
by Info_Hound
Sun Dec 15, 2013 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Conversion Decision Model
Replies: 98
Views: 18997

Re: Retiree Roth Conversion Decision Model

Bigfoot48, You are amazing with your conversion model! I've just run across this thread and your model. I'm in the early stages of asking the same question...convert or not to a Roth from an IRA account so I downloaded your model. I have already retired. My situation may be somewhat unique but I hav...
by Info_Hound
Sat Dec 14, 2013 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Roth Conversion Decision Model
Replies: 98
Views: 18997

Re: Retiree Poll: Change in Portfolio Value

I have more today in my retirement accounts than when I retired 18 months ago, I've not touched the original prinicpal in either account. I am withdrawing from an IRA about 2% yearly but also have 3 pensions and SS income as well. The assets (IRA 3 fund and TSP) earn more than I withdraw. The 2% is ...
by Info_Hound
Wed Nov 27, 2013 12:52 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll: Change in Portfolio Value
Replies: 28
Views: 2094

Re: I might buy this car from car max

We bought my daughter's car from Carmax, it is a 2008 Ford Fusion with low milage. Previous owner had been a smoker and it was disclosed by Carmax. Some things we learned about Carmax: They do go over the vehicle and replace anything they find that does not meet basic safety code. This includes repl...
by Info_Hound
Wed Nov 27, 2013 12:03 pm
 
Forum: Personal Consumer Issues
Topic: I might buy this car from car max
Replies: 37
Views: 3069

Re: Poll: House value as % of assets when mortgage paid off.

Bought my current house outright, no mortgage to pay off/early.

I voted in the 10-20% vs 20-40% pocket since it sits right at 20%.
by Info_Hound
Sat Nov 23, 2013 12:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 2846

Re: Lockheed Martin Retiree Medical Cost

I had 13 years with LM. Others (my retiring co-workers) had anywhere from 40 years to 25 years. We were all treated the same upon retirement. I was lucky to join LM prior to them no longer offering a pension for new employees and as an older (new) employeee was immediately vested. I had heard that s...
by Info_Hound
Fri Nov 22, 2013 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lockheed Martin Retiree Medical Cost
Replies: 10
Views: 1309

Re: Lockheed Martin Retiree Medical Cost

Former LM person here. Retired in 2012 along with several co-workers. We all had different medical coverage needs (some were single, others had spouses and/or children to cover) and discovered that the LM medical policy offerings were more expensive than buying an individual medical policy with no L...
by Info_Hound
Wed Nov 20, 2013 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lockheed Martin Retiree Medical Cost
Replies: 10
Views: 1309

Re: POLL: What is your rate of return YTD?

I am much more interested in tracking my withdrawls vs. 'interested earned' so I don't touch my principal fund amount. I am retired and refuse to eat the goose who lays the golden eggs.
by Info_Hound
Fri Oct 18, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: What is your rate of return YTD?
Replies: 89
Views: 6154

Re: Dog can't walk on hardwood floors

I have a large Golden and my hardwood floors take a real beating with his claws even though they are clipped frequently. He also slips around on the hardwood floors and I do cut the hair on his foot pads. I discovered at a local home improvement big box store that you can buy their floor carpet (on ...
by Info_Hound
Sat Sep 28, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3259

Re: Early retirees - did you pay off your house?

Retired at age 60. Prior to retiring I sold my house then used the proceeds to pay cash for a new house in another state (more financially retiree friendly) which is where I now to live. Living without a mortgage is a wonderful experience. It lets me sleep soundly at night, provides financial piece ...
by Info_Hound
Wed Sep 11, 2013 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early retirees - did you pay off your house?
Replies: 27
Views: 2278

Re: Assistance with my recently widowed mother...

She will be able to file her federal taxes as 'Widowed' for the next 3 years. This will give her a tax rate break as if she had filed 'married filing joint' tax returns. At the end of 3 years she will have to choose either 'Single' or 'Head of Household' depending on her circumstances. I've gone thr...
by Info_Hound
Wed Sep 11, 2013 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with my recently widowed mother...
Replies: 10
Views: 870

Re: Wife: Surprise, we now have a cat.

Agree with others - do not declaw. It creates some strange behavioral problems once they can defend themselves only by biting. We have 2 rescue kitties and I taught them both to leave the furniture and drapes alone. Redirect any clawing action they start to do to the cat scratcher of your choice. I'...
by Info_Hound
Wed Sep 11, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Wife: Surprise, we now have a cat.
Replies: 89
Views: 7294

Re: Looking for new CPA and lawyer in Northern CO

I was hoping some of the members of this forum might be able to recommend business professionals in the Northern Colorado area...alas those in the know must be still enjoying their summer fly fishing and mountain hiking as there has been no recommendations. :wink: Still looking for recommendations f...
by Info_Hound
Wed Sep 11, 2013 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Looking for new CPA and lawyer in Northern CO
Replies: 1
Views: 315

Looking for new CPA and lawyer in Northern CO

My wonderful Maryland based CPA has finally retired and I am looking for a new CPA for tax advising as well as an Colorado attorney to help update my will and other POA papers. Any recommendations for either professional that are located in Northern Colorado (North of Longmont, South of WY border) w...
by Info_Hound
Thu Sep 05, 2013 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Looking for new CPA and lawyer in Northern CO
Replies: 1
Views: 315

Re: Help switching Insurance - anyone use Geico??

Been with GEICO for 20+ years with cars, only 5 years with umbrella coverage. Would highly recommend them for auto, i've had no claims for the homeowners policy. Homeowners went up $50 this past year due to the wildfires that burned so many homes in the nearby mountain foothills. My past experience ...
by Info_Hound
Thu Sep 05, 2013 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help switching Insurance - anyone use Geico??
Replies: 30
Views: 2184

Re: Thrift Savings Plan (TSP) Returns as of June, 2013

Thank you! I look forward to your analysis each quarter. :mrgreen:
by Info_Hound
Sat Jun 29, 2013 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan (TSP) Returns as of June, 2013
Replies: 10
Views: 1055

Re: Thrift Savings Plan (TSP) Quarterly Returns - March, 201

Thank you for this insightful information!

Being able to see analysis of the TSP funds has been sadly lacking and I for one will be looking for your quarterly postings with happy anticipation. :)
by Info_Hound
Sun Mar 31, 2013 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Thrift Savings Plan (TSP) Quarterly Returns - March, 2013
Replies: 13
Views: 1295

Re: POLL: Withdrawal Rates For Real Retirees

I lived on my projected post retirement income for a year before actually retiring. This helped me see if retirement was possible and project my financial needs over time. Lots of expenses in the first year of retirement, moving and buying & selling of homes in different states caused a larger w...
by Info_Hound
Sun Mar 24, 2013 11:34 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Withdrawal Rates For Real Retirees
Replies: 79
Views: 5621

Re: Real Estate Agent NOT Letting Me To View a House!

I recently sold a house and bought a house in another state. The RE you encountered was not unreasonable and where I sold my house, you can not get in the door without a pre-qualification letter, you can get in without an agent, but not usually. I had pets that were a major hassle to deal with when ...
by Info_Hound
Mon Jun 25, 2012 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Agent NOT Letting Me To View a House!
Replies: 34
Views: 4272

Re: Downsizing: Positives & Negatives

I just moved into a new home in another state after deciding it was time to downsize and retire. The 4 hours every weekend mowing the grass and too much heavy labor keeping up the mature landscape made me decide I wanted to do other things with my time, even though I love gardening. We had been in t...
by Info_Hound
Tue Jun 12, 2012 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downsizing: Positives & Negatives
Replies: 53
Views: 5153

Re: Anyone regret paying off mortgage early?

Last week I sold my home in Maryland and used the profits to buy a new home in Colorado. It was a cash sale for the new home. I don't think I've had time to process the 'no mortgage' feeling yet but do like the feeling that the roof over my head is secure from financial potholes that life sometimes ...
by Info_Hound
Mon Jun 04, 2012 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 149
Views: 18358

Re: Money and in-laws (Part 2): Cosign a loan?

Sorry, I've had the same squeeze play pulled on me and realized they made the mess they were in, not me. Love is not bought nor sold, so don't let their immature behavior emotionally push you someplace you wouldn't have gone if they didn't need the money. Sometimes tough love is the only way. Don't ...
by Info_Hound
Mon May 14, 2012 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money and in-laws (Part 2): Cosign a loan?
Replies: 54
Views: 4604

Re: dryer vent cleaning--your thoughts?

I have a long horizonal run before my dryer vents to the outside. I bought a fireplace chimmey cleaning brush with extension rods so I can get all of the pipe cleaned. They are pretty inexpensive at the local big box home improvement stores. The pipe gets cleaned once in the Spring and Fall. My dry ...
by Info_Hound
Fri Apr 20, 2012 9:48 pm
 
Forum: Personal Consumer Issues
Topic: dryer vent cleaning--your thoughts?
Replies: 18
Views: 2482

Re: Good car for short person?

I'm 5 foot even and also like the SUV cross-over cars for their road height. I'm already so close to the ground I don't like feeling like I am pouring myself into and out of a car inches from the ground. Cars that have worked for me. Subaru sedan (loved it!) and my current car is a Honda CRV which g...
by Info_Hound
Wed Apr 11, 2012 10:02 am
 
Forum: Personal Consumer Issues
Topic: Good car for short person?
Replies: 31
Views: 6312

Re: harassing calls from fraudulent "credit card services"

I used to get those calls, but don't any longer. I think when my fax machine went rogue on me is when the calls dropped off. It was noticable that each day the number of calls I got were dropping but I did not know why. I have a copier/fax machine for our computer that had a phone line connection (f...
by Info_Hound
Wed Mar 21, 2012 8:17 am
 
Forum: Personal Consumer Issues
Topic: harassing calls from fraudulent "credit card services"
Replies: 53
Views: 2984

Re: Pet Insurance

When we had a horse we took out a major medical and death policy. There are many companies that specialize in equine insurance. A basic bout of colic that requires emergency surgery starts around $3,000 and rapidly rises in cost. Large animal vets usually require payment before starting surgery. The...
by Info_Hound
Wed Mar 21, 2012 8:01 am
 
Forum: Personal Consumer Issues
Topic: Pet Insurance
Replies: 15
Views: 835

Re: Trying to Purchase Home. Am I reasonable or just plain c

Gator, My husband and I made very good money. We decided when we bought this house to set ourselves up so the mortgage payment could be managed by the lesser of our two incomes. We were told we were crazy for not buying a nicer/bigger house because we could afford much more. We stuck to our guns and...
by Info_Hound
Tue Mar 20, 2012 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to Purchase Home. Am I reasonable or just plain cheap
Replies: 44
Views: 3184

Re: transferring government TSP

I hold a TSP account (along with other retirement accounts) and receive the Government annunity that is issued to US govt retirees. I am hearing some confusion regarding the annunity the OP mentioned. If the OP is not talking to someone who is selling them a new annunity, the govt provides a retirem...
by Info_Hound
Fri Mar 02, 2012 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: transferring government TSP
Replies: 10
Views: 813

Re: College planning

No, it is a waste of money. It feels scary for the soon to be college newbie, but they should be heavily invested in the selection and application process. It will likely be the first real decision they are making about the direction they want their life to go. :shock: It is important to organize an...
by Info_Hound
Thu Feb 09, 2012 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: College planning
Replies: 5
Views: 524
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