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Re: Tracking Down Pension Info.

I had a "missing pension" (as mentioned above), and never heard a thing from SS about it. There was a 5 year vesting period, so there were at least 5 annual tax reporting times when it should have been reported to SS if that is required. Now, that might be because I had to take the pensio...
by Info_Hound
Fri Aug 22, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2301

Re: Tracking Down Pension Info.

When I started collecting Social Security checks, SS sent me a notice of several companies that I had worked for over the years that had checked off on their W2's (for yearly tax reporting) that I was covered under a pension plan with them. They provided in the notice the name of the company and an ...
by Info_Hound
Wed Aug 20, 2014 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2301

Re: POLL: Age for Collecting Social Security Benefits

Started collecting widow's benefits at 60 when I retired. I will claim my benefits at 70 with a nice bump up in $.

Both husband and I were at max. possible SS benefits offered due to many years of high salaried jobs for both of us.
by Info_Hound
Wed Aug 20, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7325

Re: dim leds?

Can you find some UV film that is placed on sunny windows to cut sunlight glare? It usually has a gray cast to it and might help.
by Info_Hound
Sun Jul 27, 2014 10:08 am
 
Forum: Personal Consumer Issues
Topic: dim leds?
Replies: 5
Views: 738

Re: boglehead botanists...is this poison ivy?

Bonnan wrote:No, that is definitely not poison ivy...............it might be nettle which is very irritating to the skin.


+1

Not sumac either, that causes a nasty rash also. (Google stinging nettle)
by Info_Hound
Thu Jul 17, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2486

Re: Snake!

These are the kinds of posts where I really wish the OP would identify their location, if only to provide guidance on where I don't want to live. Maryland. No poisonous snakes in our state that I know of. The black rat snakes get pretty big though - lots of natural food, few predators. There are Co...
by Info_Hound
Thu Jul 17, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4308

Re: Toys for a Lazy Cat

I have a pair of indoor cats, one is 9yrs and the other 2yrs old. The younger one still has the high energy level of the a sugar charged toddler. The older one needed a bit of major change due to her weight and lack of energy. She used to weigh 18lbs. She didn't move about much and cried when the yo...
by Info_Hound
Fri Jul 11, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 3000

Re: Possible TSP Changes

For those of you who may not know of the Federal News Radio web site, they have a section of their reporting reserved for just the TSP. They are a great source of information and are usually right out in front with news or announcements regarding the TSP or impact to the TSP. If you live in the Wash...
by Info_Hound
Sat Jun 07, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Possible TSP Changes
Replies: 24
Views: 3565

Re: Above average

Taylor Larimore wrote:
Anyone in the left-hand column is above average. :wink:


Aaahh...so now we know who lives on Lake Woebegon where the children are all above average. :mrgreen:
by Info_Hound
Wed Jun 04, 2014 10:32 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 16
Views: 2846

Re: Improving the TSP [for current participants]

I am not sure if this can be done or not by the TSP due to some IRS regulation(s) but having three sets of rules for TSP holders makes it confusing and more complicated than it needs to be. I understand and it makes sense to have one set of rules for actively employeed TSP participants and another f...
by Info_Hound
Mon Jun 02, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 34
Views: 3786

Re: A Short Survey for Retirees

What have been the biggest surprises for you since you've retired? How much time there is in a day to get things done. While working and suffering an ugly long commute every day, the days seemed long and personally unproductive. What are some of things that have happened that you didn't expect, Bei...
by Info_Hound
Sun May 04, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 73
Views: 5357

Re: Polyurea garage floor

I live in Colorado and my neighbor and I both sealed our new concrete garage floors about a year ago with ArmorL3000 (Lithum Silicate) Concrete Sealer. It claims "Seal it Once. Protect it for a Lifetime." http://www.foundationarmor.com/concrete-densifier They use harsh chemicals out here o...
by Info_Hound
Thu May 01, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Polyurea garage floor
Replies: 11
Views: 1498

Re: Some sense of having enough

Interesting topic...I have been wondering if I was the only one feeling giddy. My first year was a year spent wondering if I had done the right thing. Did I have enough? Was I spending too much? Did I have the 'right' AA to make it past the finish line? Several years into this retirement thing I've ...
by Info_Hound
Wed Apr 23, 2014 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some sense of having enough
Replies: 13
Views: 2204

Re: Possible fraud? Getting mail about a car I don't own.

Your name is in the aether, as is your address. You will never get them back. Google, Facebook, and the NSA can piece together all the scraps of your life, even the Ford Explorer you never owned. You may think you never owned it, but once it is in the master data base, yes, you owned it and you alw...
by Info_Hound
Mon Apr 21, 2014 10:44 am
 
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1620

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: 1478

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: 25980

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: 2440

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: 703

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: 24
Views: 3565

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: 95
Views: 9442

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: 1900

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: 2129

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: 5370

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: 24
Views: 3565

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: 23029

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 Portfolio Model
Replies: 119
Views: 28063

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: 2353

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: 1217

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: 282

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: 282

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: 859

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: 536
Views: 13767

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: 433

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: 2872

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: 2027

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 Portfolio Model
Replies: 119
Views: 28063

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 Portfolio Model
Replies: 119
Views: 28063

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: 2111

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: 3269

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: 3060

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: 1456

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: 1456

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: 6346

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: 3756

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: 2304

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: 885

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: 7910

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: 317

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: 317

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: 2316
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