Search found 176 matches

by Info_Hound
Thu Jul 23, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: larson storm door in sun problem
Replies: 7
Views: 843

Re: larson storm door in sun problem

I have a Larson full view storm door on the Southwest side of my house that catches the sun most of the day and heats up in the summer. I found a cheap solution for the hot handles - I cut a section of tubing from a large clear flexible tube and slid it on both handles. Now the handles can be touche...
by Info_Hound
Tue Jul 21, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Emergency boglehead evangelist kit?
Replies: 19
Views: 2073

Re: Emergency boglehead evangelist kit?

Just keep this under your hat, but Lockheed Martin just settled a lawsuit regarding their management of their employees 401K. The point being, yes the company does have a responsibilty to manage costs within the 401K. Yes, I was one of the many that will get something from this settlement. Plaintiff...
by Info_Hound
Mon Jul 20, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 23
Views: 1715

Re: Rx Savings Card - Too Good to Be True?

To get the card I had to register with the drug company online website and then could print it. They send us an email about once a month reminding me to refill the prescription. They do offer some free stuff through the mail (energy bars/powders, etc) but I've opted out of that no issue. They occas...
by Info_Hound
Mon Jun 01, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Ed Slott 'infomercial' on MPT [Maryland Public TV]
Replies: 21
Views: 2126

Re: Ed Slott 'infomercial' on MPT

For practical purposes view the traditional accounts as looming RMDs at age 70. If you don't need the money to live on then you have to pay taxes at your marginal rate each year at age 70. I don't need my IRA money at age 70. Then I will have to reinvest what is not taxed into taxable and pay tax g...
by Info_Hound
Mon Jun 01, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond help
Replies: 15
Views: 1707

Re: Savings bond help

Bummer.

Good thing she is a poor starving Grad student. :wink:
by Info_Hound
Mon Jun 01, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 10261

Re: Free Windows 10 Upgrade, Yes or No?

Received the same upgrade offer when I logged on to my laptop this morning from Microsoft. Am Windows 7 user also with no issues staying put. I have never liked to upgrade for the sake of upgrading. I'll let the other 'alpha' testers who accept the free upgrade figure out what is broke and let MS fi...
by Info_Hound
Mon Jun 01, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 2986

Re: All-in-one Printer Recommendation

Consumersearch.com recommends four all-in-one: two Brothers, one Canon, one HP. Full report is here, http://www.consumersearch.com/all-in-one-printers/how-to-buy-a-multifunction-printer My really old all in one Cannon printer finally died 6 months ago and I was forced to buy a new all in one printe...
by Info_Hound
Sun May 31, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond help
Replies: 15
Views: 1707

Re: Savings bond help

Funny that this quesion popped up, I was at the TreasuryDirect web site just yesterday researching the EE paper Bonds my daughter had given to her by her Great Grandfather when she was just a baby to pay for her education. From what I understand how the bond is titled to a person decides if it can b...
by Info_Hound
Sat May 23, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 83
Views: 11779

Re: Improving the TSP [for current participants]

I just listened to this interview that discusses the latest actions, planned or otherwise, the TSP is implementing. Seems they have gotten the message that their withdrawal options are driving participants to move funds to other firms. http://www.federalnewsradio.com/722/3860452/Discussion-of-TSP-is...
by Info_Hound
Tue Apr 21, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 2827

Re: TX, MT, CO, and NM Comparative Tax Burden

Info regarding your Fort Collins, CO assumptions: 1) Colorado state income tax is a flat rate of 4.63% http://www.taxadmin.org/fta/rate/ind_inc.pdf 2) Sales taxes is more a locale driven thing. If you shop at certain shopping centers in town there is an additional 2.25-2.50% sales taxes added on top...
by Info_Hound
Fri Mar 27, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1341

TSP G Fund Possible Changes

Ran across this interesting article about proposed changes to how the G Fund interest rate would be calculated vs. how it is done currently. Kim Weaver, she's director of external affairs for the board that oversees the TSP, granted an interview that can be heard at the link below. If the changes ar...
by Info_Hound
Thu Mar 12, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1910

Re: Anyone ever use a closet design company?

When I bought this house almost three years ago, I redid two closets using http://www.easyclosets.com. There website was easy to use, I had lots of options as far as style and where things went and they sent everything out in almost a dozen boxes to my doorstep within a week. The directions were cl...
by Info_Hound
Wed Mar 04, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: Poll: Average E/R [Expense Ratio]
Replies: 49
Views: 3638

Re: Poll: Average E/R [Expense Ratio]

Fell into the .05 catagory. ER is .06%

No International holdings. Funds in TSP & Fidelity Spartan Admiral Funds.
by Info_Hound
Wed Mar 04, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 8992

Re: What's your average ER? [Expense Ratio]

.06%

Funds in TSP or Fidelity Spartan Admiral Shares

Thanks to the Bogleheads forum I learned about the benefits of lowERs and it was something I could do to make sure my money stayed my money, or least most of it does. :mrgreen:
by Info_Hound
Wed Jan 28, 2015 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMDs
Replies: 66
Views: 5459

Re: Preparing for RMDs

In in the same TSP boat at the OP. This is an estate planning question, but focused on the tax implications within estate planning. Agree, it's a good problem to have vs. the alternative. Head of Household soon to move to Single tax status, with tighter tax brackets for the Single status, my project...
by Info_Hound
Wed Jan 21, 2015 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Adjusted Livesoft Income (ALI)
Replies: 40
Views: 6697

Re: Adjusted Livesoft Income (ALI)

How will pensions fall into the ALI? I'm not talking about pensions that will be collected in the future, but are already part of an income stream? I collect pension payments from three different companies that I worked for in the past, so it can be a significant source of income in retirement. Is t...
by Info_Hound
Sun Jan 18, 2015 12:02 pm
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2828

Re: Options for moving our pets across country

FYI: Motel 6 is pet friendly at no extra cost. Also with an AARP card there is an additional discount. All of the Motel 6s that I have stayed at do the job for a night's stay. +1 I moved/drove across country with a large Golden and a very shy indoor cat in a packed Honda CRV. The dog was no problem...
by Info_Hound
Sat Jan 03, 2015 12:41 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23052

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

My financial accounts are so happy I was way too low in my guessmate last year.

My 2015 guessmate is 2263.8.

Hope I'm too low again for 2015. :mrgreen:
by Info_Hound
Sun Dec 28, 2014 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Just did my first ROTH conversion
Replies: 5
Views: 1020

Re: Just did my first ROTH conversion

Count me on the Roth conversion train also. I opened a ROTH IRA the day after Christmas and moved some post tax funds in. It is part of a long term plan to address my future financial situation. Roths did not exist for me until the very end of my work career. After long analysis and lots of reading ...
by Info_Hound
Sun Dec 28, 2014 10:18 am
Forum: Personal Finance (Not Investing)
Topic: What percentage of your retirement expenses will be covered
Replies: 34
Views: 3639

Re: What percentage of your retirement expenses will be cove

I am retired and collect a widows SS benefit, income from 3 pensions and an annunity from my husband's passing. 65% of my income is COLA'd. All of my expenses and some happy pocket change are covered each month. When I finally turn 70 I will claim SS under my name and it will increase my income and ...
by Info_Hound
Sun Dec 28, 2014 10:07 am
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2623

Re: retirement spending covered by SS

I guess this poll will point out the many ways we manage our SS choices.

I voted 50% now as I am retired, single and collecting a widows benefit. When I reach 70 I will change up and collect my own social security that will cover 90% of my current expenses.
by Info_Hound
Sun Nov 16, 2014 12:00 pm
Forum: Personal Consumer Issues
Topic: car sensor showing TPMS sign
Replies: 26
Views: 2463

Re: car sensor showing TPMS sign

My car showed TPMS sign , MIDAS just says replace the tire as valve is stuck and air cannot be filled. Firestone says replace the sensor.. Any ideas what should be done? Thanks! Replacing the tire due to a bad valve sounds very wrong, as the valve can be replaced without compromising the tire. Just...
by Info_Hound
Sun Nov 16, 2014 11:51 am
Forum: Personal Finance (Not Investing)
Topic: HOA resurrection
Replies: 35
Views: 5979

Re: Hoa resurrection

In Maryland if an HOA has not met in 5 years then by state law the HOA is considered disolved.

You might want to check with your state to see if there is a sunset law in place for HOAs. 20 years is a long time to be 'dormant'. A zombie HOA?
by Info_Hound
Sun Oct 05, 2014 10:04 am
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 3022

Re: TSP [CNN Money: Fed Workers... low cost retirement plans

I'm glad to see this new addition to the Wiki. It captures the major points of several discussions on this topic. I think the caution folks should take away from the posts is when you finally do leave this earth the rules regarding management of what was once your retirement assets are very likely d...
by Info_Hound
Fri Oct 03, 2014 10:45 am
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 3022

Re: TSP

Thus the important distinction part, if you are a beneficiary of a participant, then you can roll over etc. ( Have done this). If however, you are the beneficiary of a beneficiary participant, then you get lump sum. So a participant can leave it to whomever, spouse, children, friends, dogs, they ca...
by Info_Hound
Thu Oct 02, 2014 10:05 am
Forum: Investing - Theory, News & General
Topic: TSP [CNN Money: Fed Workers... low cost retirement plans]
Replies: 25
Views: 3022

Re: TSP

The members of the TSP are more than just active Federal employees. There are survivor beneficaries and retired feds as well. The TSP pushes out certain beneficiaies so they have no choice but to move the funds to another place while incuring a large tax burden. I love the TSP and would love to keep...
by Info_Hound
Thu Oct 02, 2014 9:49 am
Forum: Investing - Theory, News & General
Topic: 2014 BOGLEHEAD CONTEST -- Third quarter report
Replies: 4
Views: 619

Re: 2014 BOGLEHEAD CONTEST -- Third quarter report

I briefly touched the #1 spot this summer but am now riding at 181. A respectable finish in the top 100 may be a pipe dream. :mrgreen:
by Info_Hound
Thu Sep 25, 2014 9:58 am
Forum: Personal Finance (Not Investing)
Topic: TSP Beneficiary Account and Tax Burden to Successors
Replies: 10
Views: 1334

TSP Beneficiary Account and Tax Burden to Successors

Just read this column which identified another reason people with TSP beneficiary accounts decide to move their funds out of the TSP. It looks like the TSP board will wait until November to announce what course of action they will take (if any) in changing their withdrawal options. They can't change...
by Info_Hound
Fri Aug 22, 2014 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2791

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
Wed Aug 20, 2014 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Tracking Down Pension Info.
Replies: 31
Views: 2791

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 9:09 am
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 8625

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
Sun Jul 27, 2014 9:08 am
Forum: Personal Consumer Issues
Topic: dim leds?
Replies: 5
Views: 776

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
Thu Jul 17, 2014 10:26 am
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2620

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 10:12 am
Forum: Personal Consumer Issues
Topic: Snake!
Replies: 51
Views: 4573

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
Fri Jul 11, 2014 10:06 am
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 5153

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
Sat Jun 07, 2014 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Possible TSP Changes
Replies: 24
Views: 4003

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
Wed Jun 04, 2014 9:32 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 4186

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
Mon Jun 02, 2014 8:25 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 83
Views: 11779

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
Sun May 04, 2014 9:43 am
Forum: Personal Consumer Issues
Topic: A Short Survey for Retirees
Replies: 75
Views: 6654

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
Thu May 01, 2014 11:20 am
Forum: Personal Consumer Issues
Topic: Polyurea garage floor
Replies: 11
Views: 1701

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
Wed Apr 23, 2014 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Some sense of having enough
Replies: 13
Views: 2567

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
Mon Apr 21, 2014 9:44 am
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1672

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
Tue Apr 15, 2014 9:32 am
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 28
Views: 1586

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
Thu Apr 10, 2014 4:42 pm
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 30576

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
Tue Apr 01, 2014 9:52 am
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2486

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 9:33 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST LEADERS -- First Quarter 2014
Replies: 3
Views: 933

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
Wed Mar 26, 2014 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Possible TSP Changes
Replies: 24
Views: 4003

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
Sun Mar 16, 2014 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Preparing to retire checklist
Replies: 105
Views: 13630

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 Feb 23, 2014 11:25 am
Forum: Personal Consumer Issues
Topic: Please Help Me Find A Doctor
Replies: 23
Views: 1960

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 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Your strategies, decisions, actions - Retirement 5 years out
Replies: 19
Views: 2258

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...

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