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

A few years ago, I went to vote and was told that they no longer had me in the district book. They allowed me to vote provisionally and told me to contact the voter registration board to get it straightened out. When I contacted voter registration, I was told by a snotty clerk that they had changed ...
by cherijoh
Sun Apr 20, 2014 7:13 pm
 
Forum: Personal Consumer Issues
Topic: Possible fraud? Getting mail about a car I don't own.
Replies: 16
Views: 1404

Re: Speculation on I Bond fixed rate for May 1st

Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :? It's like a 20bp difference in expense ratios. Don't you think that makes a difference? On a million dollar portfolio youd be talking about a few thousand dollars a year, but on a $10k I Bond purchase the difference ...
by cherijoh
Sat Apr 19, 2014 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3467

Re: 401k in-service withdrawals

Guys, forgive me: In addition to the $17,500 401k contribution, can you not make $34,500 after tax 401k contributions for a total contribution of $52,000? That is how I currently understand the rules...Its part of what makes 401k withdrawals such a big opportunity. :moneybag :moneybag If I am wrong...
by cherijoh
Sat Apr 19, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 18
Views: 1115

Re: Just maxed 2013 Roth IRA. Should I max 2014 now too?

If you wait until later in the year, then next year you will face the same dilemma. I'd go ahead and invest now and then make your 2015 contribution on Jan 2, 2015. Then do the Roth as early as possible each year going forward. The only time it makes sense to wait is if you are getting close to not ...
by cherijoh
Sat Apr 19, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just maxed 2013 Roth IRA. Should I max 2014 now too?
Replies: 21
Views: 2579

Re: Beware Vanguard DOES NOT update all your account values

livesoft wrote:Thanks, that's helpful.


You are welcome. When do you typically check your account? In the evening after the market closes or the next morning? I would be curious to see if the lag is a full day or if it only lags by X hours and they are in sync for part of the day.
by cherijoh
Sat Apr 19, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4518

Re: Beware Vanguard DOES NOT update all your account values

Livesoft, I don't have the problem you are describing since I only have ETFs in my Vanguard account and mutual funds in my outside account. I think I understand what you're trying to say, but I do think it could be explained more clearly. See if this captures what you meant: When ETFs are included i...
by cherijoh
Sat Apr 19, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4518

Re: POLL: why carry cash?

Most working days, I visit the deli closest to my work place, often twice. Once for coffee and once for lunch (unless I bring leftovers). I find myself frustrated by the ones in front of me using plastic. I know how much my purchase is and have the cash ready to hand to the cashier. The small chang...
by cherijoh
Sat Apr 19, 2014 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 224
Views: 7314

Re: How Are Catch Up Contributions Made?

It depends on your plan administrator. I think the IRS is only checking your age and your total contribution. In my plan, we used to select a percentage/pay period and a dollar amount/pay period for catchup. I was over 50 when I started my current job in 4Q of year. The limit at the time was 30% of ...
by cherijoh
Mon Apr 14, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How Are Catch Up Contributions Made?
Replies: 15
Views: 1391

Re: less you need social security, earlier you should claim

An M* article was just posted this morning, again talking about the early vs normal vs late SS claim: http://news.morningstar.com/articlenet/article.aspx?id=642978 There is a reference to a study (link in article) to show "personalities" and the type of person who (for whatever reason) wi...
by cherijoh
Sun Apr 13, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2799

Re: Costa Rica?

Last time we went was in 2008 I think. Have they fixed the bridge to Manuel Antonio? It was constructed of duct tape and loose iron pipe and not nearly enough duct tape IMO. The drop was only 40 feet or so into the river below. We followed a concrete mixer truck but stayed a bit back from him. LOL!...
by cherijoh
Sun Apr 13, 2014 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1397

Re: Retiring soon....Help!

Many questions going thru my head….Where do we spend the money (40K) from – out of taxable cash accounts, dividends from taxable stock funds, sell (and pay capital gains tax) on some stock funds.. I assume this is how to start before getting to 59 ½ and tapping into the IRAs. I'm not yet retired bu...
by cherijoh
Sat Apr 12, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiring soon....Help!
Replies: 8
Views: 1391

Re: Laid off today... TODO list?

It's my understanding that your company has to pay 65% of the cobra bill for a certain number of months. check into that. Wow, that's not what happened to me. I had to pay about 105% of actual cost after they put me on part time last year. Company does not have to pay 65% of Cobra - although your c...
by cherijoh
Fri Apr 11, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9693

Re: Should I take SS at 62 or increase my burn rate ?

I was hoping some of you could help me figure out the better move. Now that we are retired, we want to relocate from the Midwest to California. To afford this I need to either increase my burn rate or take SS at 62. I'm hoping we can find a house in CA. for $500k. Our current home would sell for ar...
by cherijoh
Fri Apr 11, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1589

Re: Passport validity: Do I need at least 6 months?

VictoriaF wrote:
cherijoh wrote:Victoria, you are greatly over-estimating how much most Americans plan ahead!


cherijoh, This is an occupational hazard of hanging around the Bogleheads.



Too true! :happy
by cherijoh
Fri Apr 11, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: Seward AK to Denali, back to Anchorage

I did an Alaska Cruise, but not Denali. We spent an extra day in Anchorage. I highly recommend the Anchorage Museum at the Rasmuson Center. It was within easy walking distance of our hotel.
by cherijoh
Fri Apr 11, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Seward AK to Denali, back to Anchorage
Replies: 8
Views: 640

Re: 401(k) maximum investment limit less than $17500?

My company is going to start offering a 401(k)... yay! Our HR person says that they will limit the amount of $ that I can invest into the 401(k). They want to cap my contributions to some average amount per employee. In other words, if I invest $10,000 and everyone else invests $2,000 on average, t...
by cherijoh
Fri Apr 11, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) maximum investment limit less than $17500?
Replies: 3
Views: 630

Re: Passport validity: Do I need at least 6 months?

P.S. I wonder if there is a surge in the passport renewal applications in April-June before the summer travel. Right now is probably a period of the longest processing delays. I think the passport web site has boilerplate language to scare people into getting it done sooner, to pay the expedited fe...
by cherijoh
Fri Apr 11, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 40
Views: 1542

Re: Getting over huge mistakes

1) Yes, forgive yourself for making some mistakes, learn from them, and move on. 2) Your wife has what, a quarter of a million in her 401(k) and you have total savings of ca $300K at age 34? Believe me, you are ahead of 80% of americans. 3) I am not a big fan of putting money in either taxable or 5...
by cherijoh
Wed Apr 09, 2014 11:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting over huge mistakes
Replies: 30
Views: 3310

Re: Wait for better tenant application or approve the one I

I have never heard of a 2 year lease. Have you rented before or are you a new landlord? Don't forget a 2 year lease locks you in as well. A year gives you the opportunity to get to know the tenants - and determine the PITA factor. Sometimes tenants can complain over the least little thing or they c...
by cherijoh
Wed Apr 09, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1579

Re: Edward Jones Advisory Solutions account

I see these Edward Jones store fronts all over the place in the most unusual locations, usually mini-malls (adjacent to a dry cleaners, next to 7/11, etc) and always wondered if the foot traffic in a place like that is really any better than if the place was a harmonica store. Seriously do people w...
by cherijoh
Wed Apr 09, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Advisory Solutions account
Replies: 58
Views: 10248

Re: Should We Convert RothIRA?

I would do it. 20 years to retirement x 2 x $6k = $240k in Roth contributions you are passing up if you don't. JW A few weeks ago, everyone was discussing backdoor Roth IRAs and I was initially really motivated to convert my traditional IRA. I had just rolled over my 403(b) from a previous employer...
by cherijoh
Wed Apr 09, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should We Convert RothIRA?
Replies: 21
Views: 828

Re: Should We Convert RothIRA?

Gah, I didn't know that you can't deduct contributions to a traditional IRA at a certain income level. So why would anyone ever use a traditional IRA? At lower income levels, it looks like a Roth IRA trumps it and a higher income levels, it looks like it's pointless (if you can't deduct the contrib...
by cherijoh
Wed Apr 09, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should We Convert RothIRA?
Replies: 21
Views: 828

Re: Do I take the separation package offer?

The counter point is that you need to pay for a 5% longer retirement with slightly less money than you planned on. Not a huge deal unless you cutting things really tight. You still have to take the deal because it is a lot better than getting a worse deal in 3 months.... Go, go, go. It's funny how ...
by cherijoh
Wed Apr 09, 2014 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4673

Re: Expensive med. test not covered by insurance

Doctors, what would you do in a situation like this? Would you alert a patient if a group of tests could potentially cost them thousands out of pocket? Does your office call their insurance if there is a concern about coverage? I order DNA tests costing in the range of $500 to $6000+ almost every d...
by cherijoh
Wed Apr 09, 2014 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Expensive med. test not covered by insurance
Replies: 74
Views: 3873

Re: Wait for better tenant application or approve the one I

I have never heard of a 2 year lease. Have you rented before or are you a new landlord? Don't forget a 2 year lease locks you in as well. A year gives you the opportunity to get to know the tenants - and determine the PITA factor. Sometimes tenants can complain over the least little thing or they co...
by cherijoh
Wed Apr 09, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wait for better tenant application or approve the one I have
Replies: 27
Views: 1579

Re: Heartbleed Web Hack Test on Websites of Interest Here

Todays WSJ has an article about the password vulnerability called Heartbleed and references a tool to test websites for exposure to this liability to expose customer ID and Password when signing in. So I went to SSLLABS.com (server test) and got the following results: vanguard.com ---- Passed GRADE...
by cherijoh
Wed Apr 09, 2014 6:34 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16496

Re: Roth IRA - tax free - totally ?

Gains are tax free, whether they are traditional or Roth. That's the entire point of an IRA...it's a government protected investment vehicle that encourages people to invest for their retirement. If gains are taxed, then it's just like a taxable account where you are taxed on capital gains. This is...
by cherijoh
Wed Apr 09, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2754

Re: Always understand taxes do not trust software

Facts. Turbo tax deluxe refund $ 44.00 Federal State taxes $ 902 due Tax Act Free Refund $ 1019 No state Taxes computed by me. State tax done by hand refund $ 99.00 Moral of story, understand and do taxes on paper. All numbers were entered same on both software. Guess is Turbo tax Deluxe even down ...
by cherijoh
Wed Apr 09, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Always understand taxes do not trust software
Replies: 33
Views: 2749

Re: B&M Bank: BoA or Wells Fargo?

I would personally advise waiting until you've moved and see which banks are closer to your final home, regular shopping locations, etc. WF vs. BofA is really going to come down to a matter of personal preferences + for you the experience you have with the local tellers/branch managers. Where in NC...
by cherijoh
Tue Apr 08, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: B&M Bank: BoA or Wells Fargo?
Replies: 25
Views: 1259

Re: Help with asset allocation post-windfall

This seems overly convoluted to me. Remember that money is fungible. 1) Anything needed in a year or less should be in savings account with "high" interest rate or very short term treasuries. Brokered CDs sound too complicated to me for something very short term. Also I think I have seen r...
by cherijoh
Tue Apr 08, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation post-windfall
Replies: 6
Views: 525

Re: Do I take the separation package offer?

You should definitely take the offer. Have you considered that after a reduction in work force, there will still be the same amount of work just fewer people to do it? Do you really want that amount of stress in your final year? After this happens, the work environment that you knew and enjoyed will...
by cherijoh
Tue Apr 08, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 50
Views: 4673

Re: 24 y/o investing inheritance

Thanks for all the advice! Would it make sense for me to start with a more conservative fund in my Roth IRA, such as Vanguard Balanced Index Fund Admiral Shares (VBIAX) or Vanguard Wellesley Income Fund Investor Shares (VWINX), and a split of the Total Stock Market Index and Total International Sto...
by cherijoh
Mon Apr 07, 2014 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o investing inheritance
Replies: 15
Views: 1966

Re: Advice Needed on Transitioning to DIY Passive Portfolio

It does look pretty daunting, doesn't it? In order to figure out how to get from here to there, I think you need better clarity on where you are now from an asset allocation perspective. I have used Morningstar's portfolio X-ray previously (before I simplified my portfolio along Boglehead lines). Yo...
by cherijoh
Sun Apr 06, 2014 10:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on Transitioning to DIY Passive Portfolio
Replies: 52
Views: 3685

Re: tearing my hair out with multiple state tax return

I live in Charlotte NC which is 10 miles up the road from the SC state line. So there are lots of married couples where one person works in one state and the other one works in the other state. Believe it or not, to get this correct they have to first do a dummy MFS federal return. I have heard it ...
by cherijoh
Sun Apr 06, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: tearing my hair out with multiple state tax return
Replies: 11
Views: 730

Re: tearing my hair out with multiple state tax return

IN 2012 my spouse and I lived in California and worked in California and part of 2013. In the second half of 2013, I found a new job in the midwest and moved and started the job while the spouse stayed and continued to work in California. I checked and there is no reciprocal tax treaty between the ...
by cherijoh
Sun Apr 06, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: tearing my hair out with multiple state tax return
Replies: 11
Views: 730

Re: The Unthinkable Disaster: What If Your Account Disappear

Interesting that this was BoA. Last week, in our small business account, we transferred $X from the checking to the savings (because there are checks out there, etc.). The teller took the check that we had written, planning to withdraw and re-deposit into the savings account. Teller then said the t...
by cherijoh
Sun Apr 06, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4669

Re: Travel for work; file tax return in each state I work?

Many State's tax laws require you to file, but the State (so far) only has the resources to track the high earning individuals like athletes and musicians. Most people who travel for business either don't know about the law, or simply ignore it figuring that it is unlikely that they will be caught....
by cherijoh
Sun Apr 06, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel for work; file tax return in each state I work?
Replies: 14
Views: 1061

Re: Laid off today... TODO list?

Could this be any more snarky? I was the acknowledged best in my job title and still got laid off for 6 months before they called and asked me to come back to work. At over 60 years of age all of my attempts to gain employment elsewhere failed. Ok...then my post wasn't about you, and I'm sorry for ...
by cherijoh
Sun Apr 06, 2014 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9693

Re: Laid off today... TODO list?

To be eligible for unemployment, you have to be honestly looking for a new job correct? Not that op has indicated plans to do anything fraudulent, but a couple of the responses have been kind of murky. In the state of Oregon, your termination is reviewed by a caseworker to determine if you are elig...
by cherijoh
Sun Apr 06, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9693

Re: Free "If You Can" Kindle and .pdf eBook

Thank you for a valuable resource! As a late boomer, I certainly don't qualify as millennial - but I do work with a number of them. I'll definitely be sharing this with them. Based on all the water cooler discussion I've heard about the company stock price, I can only assume a fair number of them ha...
by cherijoh
Sun Apr 06, 2014 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 7130

Re: Why pay off your house?

As you get older your asset allocation gets more like “your age in bonds”. By the time you are 50 half or more of the money that you could use to pay down the house would be invested in bonds if you don't pay it off, so it becomes harder to make the investments outperform the mortgage rate. A signi...
by cherijoh
Sun Apr 06, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why pay off your house?
Replies: 119
Views: 8607

Re: Experience saving a big down payment? ($200k+)

Would love to hear from those of you who already did this. How you did it, how you stored the assets, etc. For reference, I'm 31 and my wife is 28. We own a home worth about $500k with $150k in equity. We are saving for a larger home someday (3 to 5 years) or a addition to our current home. We max ...
by cherijoh
Sun Apr 06, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience saving a big down payment? ($200k+)
Replies: 5
Views: 815

Re: questionable Chase "loss prevention" practice

runner9 wrote:I don't understand. Can't you go to branch, verify identity and then have the 1500 be accessible?


What happens if Chase doesn't have bricks and mortar branches in your area? Lots of people shop around for the best rate on savings accounts or CDs.
by cherijoh
Sun Apr 06, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: questionable Chase "loss prevention" practice
Replies: 7
Views: 953

Re: Delaying Social Security - best long-term investment?

How can you "delay" until age 62? Isn't that the very earliest you can file? Maybe I'm being too literal. Widows/widowers can file at 60, but I actually think this quote is a typo and it should be "...who chooses to delay until 70" Or at 50, but what's 20 years between friends? ...
by cherijoh
Sun Apr 06, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3754

Re: How to account for an annuity ?

Zero. Can't buy and sell to rebalance it so it has no portfolio role. It is now an income stream. I don't agree, just as I don't think that SS (an annuity paid for by transfer payments) should be ignored. For the purposes of asset allocation (though not inheritance) it can be treated as a bond fund...
by cherijoh
Sun Apr 06, 2014 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: How to account for an annuity ?
Replies: 47
Views: 1927

Re: Delaying Social Security - best long-term investment?

Well it didn't take me long to get confused! The “breakeven” period with these assumptions is just over 22 years; or stated another way, for the individual who chooses to delay until age 62, it takes until beyond age 84 just to recover the economic value of having waited. How can you "delay&qu...
by cherijoh
Sun Apr 06, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3754

Re: Any Bogleheads here into real estate investing?(renting

I have owned rental properties for the last 12 years. At one point I had three building, total of nine units. I have less time to devote these days so I am in the process of selling my final property. This is what I have learned, in no certain order: - Read all you can prior to getting involved in ...
by cherijoh
Sun Apr 06, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3824

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

Awesome info and in clear form. Much appreciated. Only thing is I still don't know which one I should pursue .. roth or standard IRA. Seems like Roth gives lesser return but more freedom. I hope I won't need to touch my IRA money till 60, so maybe regular IRA (i hope I am not saying something dumb ...
by cherijoh
Sat Apr 05, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3655

Re: Putting $ away for children

cherijoh - I wonder if you have lived through similar decisions? Let me give a real-life example - my father-in-law is a retired national tax partner of a Big 4 firm...a very senior guy, who built his career structuring estates for affluent clients (frankly, I guess I should seek his advice here an...
by cherijoh
Thu Apr 03, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting $ away for children
Replies: 103
Views: 5438

Re: Home Search: how flexible should we be? 2x-2.5x

DW and I are ramping up our home search. The rental we live in is needed on June 1 and while we may end up renting (finding a rental may be its own ordeal), we are making a concerted effort to buy. We live in a low cost of living rural area (read: small housing inventory, of rental or real estate)....
by cherijoh
Thu Apr 03, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Search: how flexible should we be? 2x-2.5x
Replies: 10
Views: 1133
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