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Re: POLL: why carry cash?

I always carry cash just in case, but almost always use a CC for all purchases, for the cash-back points, budget tracking, and not having to fumble for change. I do miss the days when we used to hoard the change and cash it in for an Amazon gift card to use on books. (I still buy the books but they ...
by Statch
Sat Apr 19, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 221
Views: 7111

Re: Amazon Prime Increase

I've done a fair bit of comparison between Amazon prices with Prime shipping and other vendors, and it does appear to me that the Amazon prices are normally higher by the amount of shipping charged by the outside vendor, so that the items end up being the same cost. However, I get two-day shipping (...
by Statch
Tue Mar 18, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7660

Re: How Many Funds Do You Have in Taxable?

I voted two, not thinking that the money market account counted. I have VG Tax-Managed Growth & Income and Tax-Managed Small-Cap. I bought those when I started investing, thinking I might want to adjust my allocation in the future. I later figured out that I was never going to understand enough ...
by Statch
Thu Mar 06, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4900

Re: Pre-retirement analysis and advice needed

Grateful1, please don't be upset at someone questioning your pension amount. I just retired from the federal government, and I was also surprised by the amount, since your pension alone is almost at the base pay cap for the Senior Executive Service, and pension of course is normally no more than 80%...
by Statch
Sun Jan 19, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pre-retirement analysis and advice needed
Replies: 15
Views: 1607

Re: How much do you spend on books a year?

The number has gradually been decreasing, from a high of probably $1000 a few years ago to maybe $350 this year, all ebooks now (except for cookbooks). The good news is that I'm going into retirement with a lot of good so-far-unread books. I've also gotten into borrowing audio and ebooks from the li...
by Statch
Sat Jan 04, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 1920

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

Thanks very much, info_hound! It's very helpful to talk to someone who's moved from Maryland. Unfortunately, it will be a bit of change to Maryland, assuming that they get to tax the payout of my accumulated annual leave, which I'm guessing now that they will.
by Statch
Wed Jan 01, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 396

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

pshonore: Thanks for the information. At one point I worked in Georgia and lived in South Carolina. It was a bit of a pain for taxes, but at least the rules were clear. I've realized through reading these responses that it actually probably doesn't matter which state I tell payroll to use for the wi...
by Statch
Tue Dec 31, 2013 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 396

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

sscritic, thanks so much for your answers on this. I think I understand it now. (I actually posted this separately from my other question because I thought it was more generally applicable, but I see now that it's actually very specific to what the tax laws are in Georgia and Maryland, so really onl...
by Statch
Tue Dec 31, 2013 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 396

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

Ah, at first I thought you weren't understanding my question, but in reading over your answers, I think you're saying that it's not as simple as where I was when I got the money or earned the money, and that it will likely have more to do with percentage of time I spent in each state and calculation...
by Statch
Tue Dec 31, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 396

Re: State tax mishap

Thanks again to everyone for the answers, which were very helpful. I ended up submitting a payroll form to switch my taxes back to Maryland for that next paycheck so that I won't have problems with my 2014 W2. I called payroll back and they did confirm that they can't retrieve the taxes that were er...
by Statch
Tue Dec 31, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 827

Another state tax question [Moving from MD to GA]

I recently posted a question about a problem I had with state tax deductions as I prepare to retire: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=128747. I'm in the process of getting that problem fixed (and will post about it there), but in the process, I realized that I may be misunders...
by Statch
Tue Dec 31, 2013 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another state tax question [Moving from MD to GA]
Replies: 10
Views: 396

Re: Got Mom a Kindle Fire HD! Top things I need to show her?

For things specific to the Kindle Fires, show her how to remove things from the Carousel in case it gets annoying for her that every book she reads stays there. (Tap and hold the icon, then select 'remove from Carousel'.) I found bookmarks on the Silk browser to be a little tricky (finding them once...
by Statch
Wed Dec 25, 2013 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Got Mom a Kindle Fire HD! Top things I need to show her?
Replies: 19
Views: 1192

Re: State tax mishap

Thank you! This is the kind of help I was looking for. I need to show this to my husband, who does our taxes, so may be back with more questions. We are definitely going to do it right -- there's never any point in messing with the taxman.
by Statch
Sat Dec 21, 2013 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 827

Re: State tax mishap

It's the last two before I move to Georgia. One final paycheck will get paid out after I move, then I'll get the payout of my annual leave while I'm in Georgia as well. So the plan was to have Maryland tax withheld for these two paychecks, then switch to GA withholding for the final paycheck and the...
by Statch
Fri Dec 20, 2013 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 827

State tax mishap

I'm retiring on January 3d from a federal agency. I live in Maryland now, and will be moving to Georgia the week after I retire. Last week I submitted a state withholding change form to payroll with a note asking them not to apply it until the first paycheck that will be paid after I move. Unfortuna...
by Statch
Fri Dec 20, 2013 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax mishap
Replies: 8
Views: 827

Re: What do early retirees actually do in Florida?

I'm retiring in a few weeks and moving from a 55+ community in Maryland to a 'regular' golf course community on the Georgia coast (Golden Isles area). There aren't many 55+ communities where we're moving, but we like the one we're in now, and find it inspiring rather than depressing. A lot of these ...
by Statch
Mon Dec 09, 2013 6:58 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 13188

Re: If you were retired, how would you spend your time?

This is a great thread. I'm retiring at the end of the year, and am a little anxious about it, so it's good to hear people are actually doing the things I plan on doing. :happy Some things I'll do more of, and whenever I want, like cooking from scratch (and eating more healthily), reading, quilting/...
by Statch
Mon Nov 11, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 6542

Re: Taxable account for dummies and newbies

A long thread is pretty much guaranteed anytime someone asks about a choice where it makes very little difference what decision is made.


dbr, this is a great way to put it!
by Statch
Wed Jul 24, 2013 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for dummies and newbies
Replies: 14
Views: 1201

Re: Taxable account for dummies and newbies

Finally something I can weigh in on, as a completely unknowledgeable investor who's been doing it for about 20 years! My taxable account is in Vanguard index funds and I-bonds. Vanguard keeps track of it all for you. Every year they send us our tax information, and we enter it into the proper box on...
by Statch
Wed Jul 24, 2013 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account for dummies and newbies
Replies: 14
Views: 1201

Re: State tax breaks for age -- but we're different ages

I looked up the comment I was thinking of from the retirement seminar about doing a back-door Roth from TSP: the guy was talking about doing that via the voluntary contribution program, which I can't do because I owe a redeposit (long story - I've had the redeposit calculated several times and it's ...
by Statch
Tue Jul 23, 2013 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

Re: State tax breaks for age -- but we're different ages

Thanks very much, archbish99. Unfortunately the federal pension does complicate it because it is CSRS (actually CSRS-offset, so I will collect SS but it will be offset from my pension). I'm the higher earner -- my husband has been a stay-at-home husband for years, which is how he has that traditiona...
by Statch
Tue Jul 23, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

Re: State tax breaks for age -- but we're different ages

Great idea on the 5-year plan. I've set aside cash so that we don't need to withdraw from investments for 5 years (while we figure out what our true expenses are, then hopefully some of that can be returned to investments), but I really need to sit down and learn about this/plan it out in case it wo...
by Statch
Tue Jul 23, 2013 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

Re: State tax breaks for age -- but we're different ages

Bob's not my name, thanks for the warning. I had been sitting here thinking also that if I go to someone here in Maryland with my questions, not only will s/he not be an expert in GA tax law -- which won't matter this year but will matter for longer-term advice -- but s/he will also realize that I'l...
by Statch
Mon Jul 22, 2013 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

Re: State tax breaks for age -- but we're different ages

Sorry, I had to step away from the computer for a few minutes -- you all are fast! I feel silly for missing this line in the instructions, which does answer the question about our joint taxable account's income: " If any item is held jointly, the income or loss should be allocated to each taxpa...
by Statch
Mon Jul 22, 2013 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

State tax breaks for age -- but we're different ages

I am 55 and retiring at the end of the year. I will have a federal pension. My husband is 60, and already not working but will not start getting retirement income until (if) he takes SS at age 62. At that time we'll be living in a state (Georgia) that allows taxpayers between 62 and 64 to exclude up...
by Statch
Mon Jul 22, 2013 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: State tax breaks for age -- but we're different ages
Replies: 17
Views: 923

Re: Paper versus e-Reader

Goodwill takes used books. I took a bunch of books there during the last move when I realized I'm too old to be packing/unpacking all these books. I'm an ebook convert from several years back. I love, love, love my Kindle Paperwhite. (I thought I'd never give up my Kindle Keyboard, but the backlit e...
by Statch
Mon Jul 22, 2013 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 3992

Re: Finding Notary

Google 'notary' and your zip code. We found a notary that way who was actually a travel agent. She did it for free (we gave her something but she obviously wasn't expecting it). Call first of course to make sure it's a good time for them.
by Statch
Mon Jul 22, 2013 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finding Notary
Replies: 26
Views: 923

Re: Bookshelves

I bought the Billy bookshelves in 2001 and they've still going strong, after 7 moves, 3 of them international moves. One of the Billys did get shaky 2 moves ago, but I was asking an awful lot of it. If you ever do move with them, when you take out the little pins that hold the shelves up, put them s...
by Statch
Sat Jul 20, 2013 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Bookshelves
Replies: 26
Views: 2377

Re: Do the majority of people pay their Credit Card bill onl

We pay everything online. We bought a house in another state earlier this year and I forgot to bring a checkbook to do the earnest money because we never use one. (They let us wait until we got home.) We also use a credit card for every purchase we can because of the cash back. We made $50 off that ...
by Statch
Sat Jul 20, 2013 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do the majority of people pay their Credit Card bill online
Replies: 117
Views: 6735

Re: AA: Stocks in Taxable/Bonds in IRA or Everything in Both

I know that I do need to work it out on paper. Thanks very much for the explanation -- it's very helpful. What you said in the last paragraph is exactly what I'm thinking about doing. I have what I hope is a 5-year cash buffer set up right now, but will reduce that sometime in the first year of reti...
by Statch
Wed Jul 17, 2013 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: AA: Stocks in Taxable/Bonds in IRA or Everything in Both?
Replies: 9
Views: 746

Re: Do I need to change anything before I retire?

Thanks very much for the suggestions, FNK! I've added them all to my list of things to think about over the next year.
by Statch
Tue Jul 16, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to change anything before I retire?
Replies: 6
Views: 1108

Re: AA: Stocks in Taxable/Bonds in IRA or Everything in Both

I really appreciate the answers. Are any of you retired and doing it this way? I think I get this for the accumulation phase, but for some reason I'm still having trouble with the idea of using it as a method for making regular (monthly) withdrawals in retirement. Don't people normally maintain thei...
by Statch
Tue Jul 16, 2013 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: AA: Stocks in Taxable/Bonds in IRA or Everything in Both?
Replies: 9
Views: 746

Re: AA: Stocks in Taxable/Bonds in IRA or Everything in Both

Agreed! I was thinking more though that stock funds tend to have more dramatic dips so someone who wants to have some regular retirement income might prefer to be able to pull from a more mixed portfolio in taxable and choose whether to take from a bond or stock fund. I don't think it's going to be ...
by Statch
Mon Jul 15, 2013 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: AA: Stocks in Taxable/Bonds in IRA or Everything in Both?
Replies: 9
Views: 746

Re: Do I need to change anything before I retire?

Are you thinking I should get out of TR 2015 because of the timing (2015 is coming up) or is it the TR funds in general?
by Statch
Mon Jul 15, 2013 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to change anything before I retire?
Replies: 6
Views: 1108

AA: Stocks in Taxable/Bonds in IRA or Everything in Both?

Years ago I decided (for the most part) to keep stock funds in my taxable accounts and bond funds in my tax-advantaged accounts, rather than trying to replicate my asset allocation in each type of account. There were persuasive arguments on both sides, but in the end it seemed simplest and more tax-...
by Statch
Mon Jul 15, 2013 8:45 pm
 
Forum: Investing - Theory, News & General
Topic: AA: Stocks in Taxable/Bonds in IRA or Everything in Both?
Replies: 9
Views: 746

Re: Do I need to change anything before I retire?

Thanks, Landy. In the IRA, did you mean you would move the Target Retirement 2015 to the bond fund, or hold both?
by Statch
Mon Jul 15, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to change anything before I retire?
Replies: 6
Views: 1108

Do I need to change anything before I retire?

I'll retire at the end of the year, and my husband and I will live off my federal pension, plus SS when he's eligible. (I'm 55, he's 60.) We're moving to a different state when I retire, and figure it will take us the first year to figure out exactly what our expenses/lifestyle wil be, so we don't w...
by Statch
Mon Jul 15, 2013 9:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I need to change anything before I retire?
Replies: 6
Views: 1108

Re: Switching to withdrawal phase & asset allocation

Thank you! So would I do this by dollar-cost averaging over the five years until I need it? Taking a set amount out periodically until I get to the 'pot' of money I want to have for the next five years? Or would I do it during the five years when I want it? I'm just using five years arbitrarily, but...
by Statch
Tue Jun 18, 2013 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to withdrawal phase & asset allocation
Replies: 2
Views: 513

Switching to withdrawal phase & asset allocation

I have what seems to me to be a really naïve investing question, as I look toward retirement early next year at age 55. Years ago I luckily found Vanguard and this forum, and I used the basic principles I learned here to save well and invest conservatively, even though (as you'll see) I wouldn't say...
by Statch
Mon Jun 17, 2013 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to withdrawal phase & asset allocation
Replies: 2
Views: 513

Re: Can I retire?

Diogenes: Thanks for the tip on USAA. We will certainly check that out (I think we do qualify). We also are keeping our eye on the mortgage thing and working hard on not being tempted to buy too much house, either in terms of upkeep or mortgage. Leif Eriksen: Great advice on looking out for the WEP ...
by Statch
Fri Apr 12, 2013 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

Thank you, htdrag11, for the advice, reassurance and the welcome from beyond the retirement barrier! We've always lived below our means too...even back when we didn't have any means. I really haven't read anything good about variable annuities except from people who want to sell them. I went to a re...
by Statch
Thu Apr 11, 2013 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

NYBoglehead: I'd have your husband delay Social Security for as long as possible in order to maximize the benefit. Thanks for the reassuring response! This thread has definitely made us consider waiting to take his SS. We were talking about it tonight, and we're now planning to most likely put it of...
by Statch
Wed Apr 10, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

bornloser: Thanks very much for the referral to the earlyretirement.org site. I hadn't seen that one before -- it looks great. (Thanks also for the reassurance!) MornOrb: One thing the answers to my question have really made me think about is the expenses issue. We have an idea what many of our fixe...
by Statch
Tue Apr 09, 2013 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

Thanks for the link, 2sls. It was very interesting!
by Statch
Tue Apr 09, 2013 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

archbish99: My main comment would be that a mortgage and waiting to be sure about where you're moving have nothing to do with each other. Thanks for this -- definitely food for thought. Dougroseville: You might have your husband consider holding off on social security until 66 to increase your COLA'...
by Statch
Mon Apr 08, 2013 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Re: Can I retire?

It does include very good medical insurance. (My husband just had hip surgery and we're only going to be paying a few hundred dollars.) If something happens to me, my husband will be able to keep the insurance. We track our monthly expenses now (on mint.com), but have to guesstimate for retirement s...
by Statch
Mon Apr 08, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

Can I retire?

For years now I've been saying I was going to retire from my federal govt job when I turned 55, for a variety of reasons, but now that it's coming up (December), I'm getting nervous. We went to a fee-only advisor to get a 2d opinion but her starting fee was $3000 (for a comprehensive plan, but more ...
by Statch
Mon Apr 08, 2013 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4672

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