Search found 14090 matches

by VictoriaF
Mon Aug 31, 2015 4:54 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 87
Views: 12244

Re: Improving the TSP [for current participants]

I don't know how it will be in the best interests of TSP participants for me and others similarly situated to make significant withdrawals from our accounts so we can convert regular TSP assets to Roth TSP assets within our IRAs. Given this letter, that's what I'll do, reluctantly, when I retire. M...
by VictoriaF
Mon Aug 31, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 952
Views: 188823

Re: What Book Are You Currently Reading? Part VI

Just as you think you have seen everything, Murdoch gives you a new twist ... I am going through my Agatha Christie Poirot paperbacks. Dame Agatha of course throws in a lot of twists. Another thing she does is get playful with the reader. She manages to work in comments from various characters abou...
by VictoriaF
Mon Aug 31, 2015 5:42 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 137
Views: 20480

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 31 August 2015: 01 Sep - obgyn65 (50) 11 Sep - cpauger (60) 22 Sep - digarei (59) <-- Welcome to the Class of 2015! 30 Sep - midmoder 30 Sep - OffGridder (58) <-- Welcome to the Class of 2015! 08 Oct - cadreamer2015 18 Dec - cinghiale 31 Dec - Nearing_Destination 31 Dec - Snappe...
by VictoriaF
Sun Aug 30, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 175711

Re: What Movie Have You Recently Watched?

I flew Westward across the Atlantic yesterday and decided to use this time to catch up with some films I was curious about. (In normal life, I don't have TV, Netflix or anything like that. I go to international film festivals and subtitled films but avoid anything made in Hollywood.) The choices I m...
by VictoriaF
Sun Aug 30, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 952
Views: 188823

Re: What Book Are You Currently Reading? Part VI

A Fairly Honourable Defeat by Iris Murdoch. Murdoch is a fantastic author. On one hand, when I read her I am severely humbled in my own writing ambitions. On the other hand, I am incredulous that not everyone is reading and admiring her. This book, as Murdoch's other novels, has a relatively small ...
by VictoriaF
Sun Aug 30, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: How to start a blog and claim the name?
Replies: 33
Views: 2155

Re: How to start a blog and claim the name?

I own/run/manage several domains. Here are a few quick thoughts: -> http://www.webhostingtalk.com/ is the premier source of information about all of this type of stuff. The community is absolutely massive and most of the "regulars" are deeply experienced. -> Name registration is of course...
by VictoriaF
Sun Aug 30, 2015 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 79
Views: 7703

Re: Priorities

The causation is one-way. Early Retirement can't cause Emergency room, whereas not taking Early Retirement might. Victoria Sure it can. There are no guarantees in life. Someone whose retirement plans include rock climbing in the mountains or volunteer work in high crime areas could certainly find t...
by VictoriaF
Sun Aug 30, 2015 8:06 am
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 25
Views: 5090

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

I was traveling for several weeks and, as usual, was disconnected from the email, Internet, and the Bogleheads. There appears to have been a market crash, but from occasional glances at the German-language news I could not figure out whether it was in Asia, Europe or the US, or how bad it was. If th...
by VictoriaF
Sun Aug 30, 2015 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 79
Views: 7703

Re: Priorities

Glad to hear you are doing well Protagonist, and thanks for sharing your post. It makes a difference. Your name made me think about the dual meaning of the acronym ER, Early Retirement and Emergency Room. For many people, the most profound decision is to select the former in order to avoid the latt...
by VictoriaF
Wed Aug 05, 2015 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: I thought it was a simple pension question (federal benefits)
Replies: 7
Views: 1080

Re: I thought it was a simple pension question (federal benefits)

This is agency specific. I went to see my Agency's pension specialist several months before the retirement. She had a tool that calculated my pension for a specific date I gave her and she explained to me how unused sick leave adds to the duration of service. Unused sick leave is important, because ...
by VictoriaF
Wed Aug 05, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11228

Re: Retirees: Questions you hate being asked

Victoria, I love nearly everything you write on this forum, but this time I have to disagree with you on almost every count. DonCamillo, What I wrote was based on what I've heard from the others. You described your own very rewarding experience. If I had an opportunity similar to yours I would use ...
by VictoriaF
Wed Aug 05, 2015 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Based on the discussion, here is an updated list of the thresholds for a single person : 1. Roth conversions within 25% Federal tax bracket - if not possible, minimize income subject to the 28% tax 2. MAGI less than $85k to have the lowest Medicare Part B premiums - this considerations starts two ye...
by VictoriaF
Wed Aug 05, 2015 8:11 am
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11228

Re: Retirees: Questions you hate being asked

This is one of the reasons I'm considering becoming a professor at retirement -- curious, can one enter the professoring role (in say, a top 50 business school) at the age of 45-50? Some of my former Bell Labs colleagues work as adjunct professors. You can try it now, before retirement. I considere...
by VictoriaF
Wed Aug 05, 2015 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Victoria,bsteiner and TheGipper, thanks for the responses, I've reached about the same conclusion which is to convert when the numbers are close to a toss-up. My main premise is that I could not go wrong by converting all my traditional retirement accounts to Roth and eliminating RMDs by the age of...
by VictoriaF
Tue Aug 04, 2015 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Victoria, thanks for this thread. As a fellow member of the retirement class of 2014 with many years until RMDs and SS I'm struggling with the same question. One thing I haven't seen mentioned here is an issue brought to my attention by Alan S in this thread http://www.bogleheads.org/forum/viewtopi...
by VictoriaF
Tue Aug 04, 2015 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Really like the I-Orp tool. It recommends I do Roth conversions of about almost 300k a year from age 62 when I hope to retire until age 70 when I plan to start taking RMDs an SS. It also recommends I continue to do much smaller Roth conversions into my mid 70s interesting. The Roth conversion amoun...
by VictoriaF
Tue Aug 04, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4410

Re: Budgeting For 2016 Medicare Part B Increase

I enrolled for Medicare A but not B. ... I DO NOT HAVE TO ENROLL FOR MEDICARE B. My health care is provided by my employer ... Thank you Lynette. I am assuming that I, too, will be able to enroll in Medicare Part A at the earliest availability, but delay Medicare Part B by 3 or 4 months to avoid la...
by VictoriaF
Tue Aug 04, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Are there other thresholds related to the tax code, Medicare, or Social Security that I am missing? Victoria Do you live in a state with a state tax? If so, have you considered the effects of various scenarios on your state tax rate? Have you considered whether some of your strategies could make yo...
by VictoriaF
Tue Aug 04, 2015 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Victoria, Are you converting funds from your TSP? If so, how are you doing this over time? From what I understand you can only pull funds from the TSP once before you have to start taking regular payments. I was thinking about moving some or all of my TSP to a TIRA so I can do small conversions ann...
by VictoriaF
Tue Aug 04, 2015 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

To be fair Drew states he only flies in Y. I agree though, that it is quite annoying when people do their CPM calculations and exaggerate the value because they booked a SQ First Class Apartment because it retails for $20K. True. there should always be consideration on the trips that you wouldn't n...
by VictoriaF
Tue Aug 04, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

VictoriaF, really enjoyed this thread and love the idea. Not too adept at Excel though, any chance you might be willing to share your Excel model with the Boglehead community? TheGipper, Sorry, I can't. My spreadsheet is based on the personal data and generalizing it would be a completely new effor...
by VictoriaF
Tue Aug 04, 2015 3:07 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 271
Views: 14652

Re: Are equities really as risky as anyone thinks?

The Central Limit Theorem. Everybody should learn it. I even got to pick up a girl in a bar as a college student solely because I knew the Central Limit Theorem. Which was great, because I sure didn't know much about girls. It has countless uses. Central Limit Theorem. Let X1, X2, ... , Xn be a ran...
by VictoriaF
Tue Aug 04, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: ACA & Roth conversions
Replies: 7
Views: 787

Re: ACA & Roth conversions

I had similar questions, except that I have health insurance in retirement and want to minimize Medicare Part B premiums that will start at the age of 65. Take a look at my thread Roth conversion: Threshold checklist . You need to construct your own model that calculates how much Roth conversion inc...
by VictoriaF
Tue Aug 04, 2015 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

Can someone tell me how much is the "fees" for the credit game are normal? Here is my calculation in deciding whether to keep Chase INK Plus and pay the fee. - Plus awards 5x points for business spending. - If I buy $400/month worth of Staples gift cards, I generate 2k UR points/month or ...
by VictoriaF
Tue Aug 04, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Are there other thresholds related to the tax code, Medicare, or Social Security that I am missing? There is no clear threshold, but be aware that capital gains can help trigger the AMT in conjunction with other items such as any state income tax deduction. The additional income contributes to the ...
by VictoriaF
Tue Aug 04, 2015 12:43 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11228

Re: Retirees: Questions you hate being asked

The majority of retirees responding to this thread seem to be annoyed by questions about what they do with their time. I am an unretired person who worries that the grass isn't always greener on the other side of employment and I might ask that question because I am genuinely curious. Maybe this qu...
by VictoriaF
Tue Aug 04, 2015 12:23 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11228

Re: Retirees: Questions you hate being asked

Your location is listed a SoCal. Have you truly never meet a programmer turned young millionaire? I don't even live in Cali and I've met a few. Some of those people do truly retire. I think young retirees who've cashed their startup's options are more prevalent in the Silicon Valley. Southern Calif...
by VictoriaF
Tue Aug 04, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

Unfortunately I don't have an Ink, otherwise I would be maxing that $50k annual office category. They have a lot of good deals if you get into reselling as well. They frequently have discounts or rebates on VGC and MCGC. Office Depot/Max actually has $15 off $300 right now I believe. Thank you, Dre...
by VictoriaF
Tue Aug 04, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

Can someone tell me how much is the "fees" for the credit game are normal? Here is my calculation in deciding whether to keep Chase INK Plus and pay the fee. - Plus awards 5x points for business spending. - If I buy $400/month worth of Staples gift cards, I generate 2k UR points/month or ...
by VictoriaF
Tue Aug 04, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Definition of "Success", Investing or Otherwise?
Replies: 16
Views: 1617

Re: What's Your Definition of "Success", Investing or Otherwise?

Success is not the same as happiness, even if there is a significant overlap. Happiness has two general components, the current state of wellbeing and the remembered happiness. Current wellbeing can be purely hedonistic, or it can be triggered by doing something that one hopes would lead to success....
by VictoriaF
Tue Aug 04, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8481

Re: Allan Roth Says Not to Load Up on Muni Bonds

While waiting for a response, I read Artsdoctor's post that the income from municipal bonds is added to the AGI and thus does not help with getting into a lower band of the Medicare Part B premiums which are based on the MAGI.

Victoria
by VictoriaF
Tue Aug 04, 2015 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4410

Re: Budgeting For 2016 Medicare Part B Increase

I enrolled for Medicare A but not B. ... I DO NOT HAVE TO ENROLL FOR MEDICARE B. My health care is provided by my employer ... Thank you Lynette. I am assuming that I, too, will be able to enroll in Medicare Part A at the earliest availability, but delay Medicare Part B by 3 or 4 months to avoid la...
by VictoriaF
Tue Aug 04, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

I used to think the gift card thing was too much trouble, but I'm hooked. It's really location dependent anyway though. It's much more difficult in large cities, particularly NYC and SF. I am in an early stage of exploring gift card options. I am doing it slowly, testing how it works before plungin...
by VictoriaF
Tue Aug 04, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

awval999 wrote: I do use a service to pay bills (car payments / student loans) via credit card to meet minimum spends which charges ~3% fee which I feel is well worth it.


I am considering using RadPad or Plastiq for paying rent to meet minimum spend. Are you using one of these or something else?

Victoria
by VictoriaF
Tue Aug 04, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4410

Re: Budgeting For 2016 Medicare Part B Increase

Just as a reminder to those who have individual munis. A lot of accountants don't amortize in-state premium munis because it doesn't affect the amount of income tax that is due. However, muni income is factored into your MAGI for Medicare premium purposes. You should be amortizing your premium in-s...
by VictoriaF
Tue Aug 04, 2015 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

The credit card bonus trick is interesting. However, if I have to figure out ways to manufacture artificial spending, would it be easier to just work for a few more months before retiring? The utility of the credit card game is in the pride of mastering it, the satisfaction of flying across the Atl...
by VictoriaF
Mon Aug 03, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

DOC is good. Travel is free provides good information on routings(like the island hopper) Don't know if you all notice, suddenly a lot of bloggers are doing a daily/weekly recap? Pretty much just tons of useless links. If I visit a blog once a week, it's useful. If I visit a blog more often, I igno...
by VictoriaF
Mon Aug 03, 2015 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

For many guys running travel/credit card blogs it's their only source of income, and they should be able to make living off it for the effort they put in and the value they provide. While they are motivated by the revenue from approved cards (listed in the link you provided), they also must maintai...
by VictoriaF
Mon Aug 03, 2015 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

Victoria, Doctor of Credit has an excellent article that he recently posted where he reviews the various "point & mile" blogs and websites and gives his recommendations as to the best and what they specialize in. I stopped reading Million Mile Secrets - many of the articles were not u...
by VictoriaF
Mon Aug 03, 2015 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

It doesn't take long to figure out which bloggers are just trying to push credit cards they're getting referrals for and which are actually trying to provide the best information available. That's why I stopped reading blogs like Million Mile Secrets, The Points Guy, etc. I look for bloggers who po...
by VictoriaF
Mon Aug 03, 2015 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

So you are agreeing with me in they are the same, just $$ amounts are different. They are the same in the sense that they are selling products and getting commissions. They are different in that: 1. bloggers provide free services 2. bloggers provide their services in the open environment and are le...
by VictoriaF
Mon Aug 03, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

One interesting question is whether it is best to minimize taxes and surcharges or optimize longer term investment returns and after-tax net worth. I suspect it is the latter which could add complication to your models. The problem with the future longer-term investment returns is that no one knows...
by VictoriaF
Mon Aug 03, 2015 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

the bloggers and the few example of "classes" all have an incentive problem, just like insurance sales. They get commissions for the cards you sign up. A Lot of times they are NOT in your best interest. a lot times they only push the cards with the highest commission. and the card with th...
by VictoriaF
Mon Aug 03, 2015 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

the bloggers and the few example of "classes" all have an incentive problem, just like insurance sales. They get commissions for the cards you sign up. A Lot of times they are NOT in your best interest. a lot times they only push the cards with the highest commission. and the card with th...
by VictoriaF
Mon Aug 03, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 212
Views: 15292

Re: Credit Card Rewards (Travel)

http://www.rollingstone.com/culture/features/ben-schlappig-airlines-fly-free-20150720 I guess everyone wants to be this guy. I sure don't. Who wants to spend all their time on planes? While I enjoy traveling first/business class at the end of the day it is still just a seat in a metal tube, the rea...
by VictoriaF
Mon Aug 03, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

My goal is to convert all my traditional tax-deferred funds into Roth before the age of 70 and to remove unrealized capital gains from my taxable accounts, so that starting at the age of 70, I would have taxable income only from the Social Security, two pensions, and maturing I Bonds. My impression...
by VictoriaF
Mon Aug 03, 2015 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

I know that Bogleheads don't believe in market timing but it would help those of us considering Roth conversions if there was a correction in the market. At one of the Bogleheads conferences, Rick Ferri said that asset planning is easy, tax planning is difficult. The flip side is that tax timing is...
by VictoriaF
Mon Aug 03, 2015 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Research Conference in DC in August (free)
Replies: 7
Views: 820

Re: Retirement Research Conference in DC in August (free)

Thank you, Bob, I would have liked to attend, but I am flying out to Germany on the 6th. The Retirement Research Conference usually conflicts with my annual European event, but this year I could have left two days later if I knew the RRC dates. Do you know how far in advance the RRC announces its da...
by VictoriaF
Mon Aug 03, 2015 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Roth conversion: Threshold checklist
Replies: 50
Views: 3501

Re: Roth conversion: Threshold checklist

Victoria, Are you converting funds from your TSP? If so, how are you doing this over time? From what I understand you can only pull funds from the TSP once before you have to start taking regular payments. I was thinking about moving some or all of my TSP to a TIRA so I can do small conversions ann...
by VictoriaF
Mon Aug 03, 2015 3:47 pm
Forum: Investing - Theory, News & General
Topic: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now
Replies: 25
Views: 5090

Re: Questions for the Panel of Experts@Boglehead Conference?--Post Here Now

Dear Panelists,

What is your guidance about buying municipal bonds vs. CDs in taxable accounts?
What risks should I be aware of when buying Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX)?

Thank you,
Victoria

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