Search found 14081 matches

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: 1054

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: 11072

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: 3168

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: 11072

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: 3168

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: 3168

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: 3168

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: 4152

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: 3168

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: 3168

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: 206
Views: 14134

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: 3168

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: 14059

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: 759

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: 206
Views: 14134

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: 3168

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: 11072

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: 11072

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: 206
Views: 14134

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: 206
Views: 14134

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: 1503

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: 7978

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: 4152

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: 206
Views: 14134

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: 206
Views: 14134

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: 4152

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: 206
Views: 14134

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: 206
Views: 14134

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: 206
Views: 14134

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: 206
Views: 14134

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: 206
Views: 14134

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: 206
Views: 14134

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: 3168

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: 206
Views: 14134

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: 206
Views: 14134

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: 206
Views: 14134

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: 3168

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: 3168

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: 796

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: 3168

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: 23
Views: 4531

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
by VictoriaF
Mon Aug 03, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 206
Views: 14134

Re: Credit Card Rewards (Travel)

I recently took an online class in travel hacking and am working through many of the tips I learned. The more aggressive churning isn't my style, but I am applying for credit cards with bonuses and having good success using the points I'm collecting. Surprisingly my credit score is higher after add...
by VictoriaF
Mon Aug 03, 2015 10:43 am
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 7978

Re: Allan Roth Says to Avoid Muni Bonds

What is the current sweet spot for municipal bond funds? I have some maturing CDs and need to find a place to invest the proceeds. Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) now yields 1.83% which is equivalent to 2.5% in CD income in the 28% bracket. Are there any reasons no...
by VictoriaF
Mon Aug 03, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Enough is enough
Replies: 51
Views: 14876

Re: Enough is enough

My greatest "enough is enough," by far, was retiring 10 months ago. I had a good job, was paid well, had a 15-minute commute by foot , and could get a higher COLA'd pension if I worked a few more years. I was not burnt out and I was able to travel a few times a year. Nevertheless, there we...
by VictoriaF
Mon Aug 03, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 6494

Re: Asking for separate checks?

Some folks have actually set up studies to evaluate how people act if check is split, if not and so on. Interesting. http://fivethirtyeight.com/features/does-it-make-sense-to-split-the-check-at-a-restaurant/?ex_cid=newsletter-the-week-in-data The authors describe the worst offender - highest cost c...
by VictoriaF
Mon Aug 03, 2015 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Rewards (Travel)
Replies: 206
Views: 14134

Re: Credit Card Rewards (Travel)

Minimum spending requirements are irrelevant to me with the amount of manufactured spending I do. I'm not sure what I'll do when the annual fees come due, but I may actually be better off paying the fees. I do so much MS that I may actually lose money by cancelling them since I will have less avail...
by VictoriaF
Mon Aug 03, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting For 2016 Medicare Part B Increase
Replies: 63
Views: 4152

Re: Budgeting For 2016 Medicare Part B Increase

Here's another article that was just posted, FWIW: http://time.com/money/3981310/medicare-premium-hikes/?xid=yahoo_money - Ron Thank you, Ron, I'm curious about the article's suggestion: The initial enrollment period begins three months before you turn 65 and includes your birthday month, plus the ...
by VictoriaF
Mon Aug 03, 2015 7:37 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2015!
Replies: 136
Views: 16621

Re: Roll Call for the Retirement Class of 2015!

Class of 2015 as of 03 August 2015: 07 Aug - laughlinlvr 26 Aug - devans0 31 Aug - Summit111 (62) 01 Sep - obgyn65 (50) 11 Sep - cpauger (60) 30 Sep - midmoder 08 Oct - cadreamer2015 18 Dec - cinghiale 31 Dec - Nearing_Destination 31 Dec - Snapper (68) Have graduated: 01 Jan - soxster (56) 01 Jan -...
by VictoriaF
Sun Aug 02, 2015 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Wait... What? [IRA and taxation]
Replies: 42
Views: 5237

Re: Wait... What? [IRA and taxation]

I do my taxes in my own spreadsheet <snip> the poster kaneohe has alerted me to the new tax on the investment income, which I never had to deal with before. Using tax software to simulate tax returns under different scenarios uncovers issues like this, and would have uncovered this one if you had e...
by VictoriaF
Sun Aug 02, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 11072

Re: Retirees: Questions you hate being asked

I'm a little surprised how easily some people get annoyed. Must make life a little unpleasant. Most people are just making conversation, others really want to know. After all if you have not retired yet, wondering what retired people do with their time is a very natural question. Yes, such question...

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