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Re: "best" online booking service for hotel room?

Hotels are getting as bad as the airlines for having a wide range of prices. I usually check online then call the hotel directly and ask if they can do any better than a specified rate. I once asked if they could do better than the AAA rate I found on line. I was first quoted a pay-in-advance no-can...
by cherijoh
Mon Jul 28, 2014 7:25 am
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 18
Views: 1286

Re: DCA plan.. Help

bcjb wrote:I was intrigued by the $5 million, so I looked up your previous posts, and you mention a net worth in the mid-6 figures. If that's still true today, this $50k isn't a life-changing amount of money for you, so you might as well put it in all at once.


Isn't 5 million mid 7-figures?
by cherijoh
Sun Jul 27, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: DCA plan.. Help
Replies: 12
Views: 578

Re: Basically starting over

Do you have a 25 month or a 5 month emergency fund? You have both in your post. ' Current financial situation: Emergency funds: 25 months of expenses Part 1: I keep a 5 month emergency fund. Then I want to put $10,000 into I-Bonds as soon as possible. I would get 5 sets of $2,000 I-bonds. After a ye...
by cherijoh
Sun Jul 27, 2014 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basically starting over
Replies: 9
Views: 1564

Re: Int'l Train Travel

Jazztonight's posts have planted a seed in my mind to do some travel by train. It sounds as if Amtrak is not a favorite. Not long ago, I travelled by rail from Rome to Florence and back to Rome and thoroughly enjoyed the trip, although the Rome train station was a bit creepy. Any other favorite tra...
by cherijoh
Sun Jul 27, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Int'l Train Travel
Replies: 28
Views: 1328

Re: Mileage Reimbursement or Company Car?

Hello All..I am the original owner of a 1997 Toyota Avalon with 254,000 miles. Love the car--it is showing its age and the AC is on its last leg but otherwise OK. I have been assigned to an out of town job approximately 250 miles away. I have the option of driving my vehicle (reimbursement $.45/mi)...
by cherijoh
Sat Jul 26, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Mileage Reimbursement or Company Car?
Replies: 17
Views: 589

Re: Does severance pay reduce or relace unemployment benefit

Unemployment benefits rules are definitely state by state. I know it may also depend on the company. Some companies will tell their employees they won't "dispute" an unemployment claim and to go ahead and apply. As long as you are honest about what severance she is receiving there isn't an...
by cherijoh
Sat Jul 26, 2014 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Does severance pay reduce or relace unemployment benefits?
Replies: 48
Views: 2376

Re: Public Speaking-help

I definitely recommend preparing by giving your presentation out loud until you feel comfortable with it. (Reading it in your head is of limited value). Do it in front of the mirror and then in front of an audience once you think you have it down pat. The latter can be a spouse or friend. If you are...
by cherijoh
Sat Jul 26, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 58
Views: 2453

Re: help with inherited IRA

I have an inherited ITS from my mother which I am taking the required minimal distribution. I am 59 and the ITS is approx. 96,000. What would be a good asset allocation and what would be good funds to have the funds in? I plan to invest the small amount of distributions. I also have an inherited IR...
by cherijoh
Sat Jul 26, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: help with inherited IRA
Replies: 8
Views: 868

Re: Mortgage Prepayment Question

Your payment was probably received near the end of the statement period. For most of the month, interest accrued based on the higher balance. Next month, I think you'll see a much smaller allocation to interest. The portion in bold is not correct. As Twins Fan corrected me on a different thread, ev...
by cherijoh
Thu Jul 24, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Prepayment Question
Replies: 41
Views: 2539

Re: Reaching Severe Burnout - Can I Scale Back Career?

I am in a tough place career wise and have been having a harder time than I thought I ever would balancing my career, personal/family life, and financial situation. I am still young (30) but have been putting in brutal hours for the past 4 years or so with no end sight and I'm afraid I'm nearing a ...
by cherijoh
Thu Jul 24, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reaching Severe Burnout - Can I Scale Back Career?
Replies: 48
Views: 4990

Re: is this ( simple) retirement calculation correct?

I want to know if I can retire in 25 years, and then draw 100K ( in 2014 dollars ) per year for at least 30 years. I know there are online calculators to do this ( the Wiki has a list of over 30 :!: , and I have played with FireCalc ) , but I generally understand things better when I do the work my...
by cherijoh
Thu Jul 24, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: is this ( simple) retirement calculation correct?
Replies: 11
Views: 1151

Re: Need Help and totally confused!!

ER is expense ratio. I can find the ERs for my 401k plan on the website I use to check balances and make changes to my contributions. Our document is called "Participant Disclosure Notice".
by cherijoh
Thu Jul 24, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Help and totally confused!!
Replies: 28
Views: 1778

Re: Dumb 3rd grade math question about beach house rental

The 10/28 + 10/28 + 8/28 method would be equitable if your were splitting something physical where you were splitting 100% of the total. But it doesn't account for the unused part of the total. It would work if a 4th couple were just there for 2 nights - it would then agree with the other method, to...
by cherijoh
Wed Jul 23, 2014 7:27 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 49
Views: 3340

Re: Will baby boomers retiring spell doom for the markets

Answer this: Has the first wave of retiring boomers (born 1946 - 1949) had any measureable impact on any financial market, anywhere, simply by dint of selling anything to help fund retirement? The first wave of boomers was probably retiring with a pension and not so dependent on their IRA or 401K. ...
by cherijoh
Wed Jul 23, 2014 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Will baby boomers retiring spell doom for the markets
Replies: 45
Views: 5354

Re: Anyone been to Charleston, SC?

I really enjoyed Cru Café the last time I was in Charleston http://crucafe.com/ . It is a really small restaurant in a historic home so I'd recommend reservations for sure. The chef is Cordon Bleu trained and specializes in Low Country cuisine. I can also give a recommendation to 82 Queen, but was d...
by cherijoh
Wed Jul 23, 2014 7:01 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1376

Re: Bloomberg rates Large Company 401k plans

Google shows a score of 37 for match - but then the mouse-over text indicates it is 50% match up to 6%. Elsewhere in the rankings, a 37 is given for 100% match up to 6%. Apparently no one bothered to proof read the text and check it against the graphic! :oops: Also who decided on the weightings of t...
by cherijoh
Tue Jul 22, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2163

Re: Pay down (not off) mortgage?

I am going to assume you are going to buy a new house when you sell this one. I will also assume you are not downsizing. I will assume you will not want a much larger mortgage than you have now (if you like large mortgages, you should be doing a cash out refi, not a payoff). I will assume you will ...
by cherijoh
Tue Jul 22, 2014 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 53
Views: 4824

Re: Memory foam mattresses - any insight?

I want to know all of your personal experiences with memory foam mattresses, good and bad. I don't trust some of the excellent reviews online. Call me a skeptic. here's a perhaps deliberately controversial statement. memory foam = toxic chemicals. i wouldn't get within 1 mile of it http://www.mothe...
by cherijoh
Sun Jul 20, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Memory foam mattresses - any insight?
Replies: 55
Views: 4010

Re: RMDs on Vanguard Inherited IRA

I have an inherited IRA that was split with a sibling and Vanguard will not calculate my RMD either. From IRS Pub 590: The rules for determining required minimum distributions for beneficiaries depend on the following. •The beneficiary is the surviving spouse. •The beneficiary is an individual (othe...
by cherijoh
Sun Jul 20, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMDs on Vanguard Inherited IRA
Replies: 21
Views: 1086

Re: Cash out pension?

It's gov't., she'll get whatever she has vested/promised. You can't beat a guarantee, and you can't guarantee anything with real returns in the open market. I'd keep it where it is and let it erode over time. At least it'll be there. That's probably true for Federal government, but NOT true for sta...
by cherijoh
Fri Jul 18, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash out pension?
Replies: 30
Views: 1640

Re: Another reason I am my own advisor

401(k) rollover boom enriches brokers at retirees’ expense http://seattletimes.com/html/businesstechnology/2024041313_rollovermiragexml.html "... She encouraged hundreds of departing AT&T employees to roll over their retirement money into the kind of risky high-commission investments that ...
by cherijoh
Wed Jul 16, 2014 7:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Another reason I am my own advisor
Replies: 15
Views: 3731

Re: Small Inherited IRA - what would you do?

Hi, wanted to get some advice and ask what would you do in our situation... My wife has recently inherited an IRA of $12k. We would like to transfer (Direct Transfer Only) it to Vanguard where she has her Roth IRA to keep her retirement assets in one institution. We do not urgently need the money i...
by cherijoh
Tue Jul 15, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Small Inherited IRA - what would you do?
Replies: 7
Views: 1035

Re: Help me rebalance, reorganize and refocus my mom

Current Investments: Her Vanguard SEP-IRA (roughly $400k) --25.8% Vanguard 500 Index Fund (VFIAX) (0.05%) --8.2% Vanguard Emerging Mkts Stock Index (VEMAX) (0.15%) --24.1% Vanguard Extended Mkt Index (VEXAX) (0.10%) --12.4% Vanguard International Growth (VWIGX) (0.48%) --4.7% Vanguard REIT (VGSLX) ...
by cherijoh
Sun Jul 13, 2014 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me rebalance, reorganize and refocus my mom
Replies: 4
Views: 635

Re: Have you quit your job because of your boss?

I'm just going to lay this out there. I have a job that I have been in for about 20 years. It's a government job, so I'm in a pension system. I am 48. I can "retire" at 50. I currently make a little over $100k. I hate my boss though. I hate getting up every morning and going to work. It's...
by cherijoh
Sun Jul 13, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7130

Re: Retiring soon setting aside 3 years living expenses

I think as long as you use short-term bonds and include it in your fixed-income asset allocation and don't count it separately, then you are good to go. There are published studies that show that cash is a drag and doesn't save you. I don't think you even need those bonds to be short term, but if y...
by cherijoh
Sat Jul 12, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiring soon setting aside 3 years living expenses
Replies: 49
Views: 5245

Re: High end purses

This thread is now in the Personal Consumer Issues forum (purses). You have good intentions, but this is yet another area where you can't tell anything from a catalog. It's also a matter of personal taste. A better approach would be to ask one of her friends to find out exactly what she wants and g...
by cherijoh
Sat Jul 12, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: High end purses
Replies: 119
Views: 10954

Re: Car insurance... do you include car rental?

The UM coverage gave you the rental for free and for--effectively, anyway--as long as you needed it. Check the terms on what you'd get with the rental coverage you're considering. I predict they will not be as good. I think this is partially true. My understanding is that rental is intended to cove...
by cherijoh
Sat Jul 12, 2014 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Car insurance... do you include car rental?
Replies: 33
Views: 2123

Re: Luggage recommendation

There is no such thing as luggage will last through modern airport handling. Just get what works at the lowest price you can find. I like the Costco stuff previously mentioned. When it finally breaks, and it will, get another. I like Eagle Creek stuff, but it's no better, and costs a lot. +1 We usu...
by cherijoh
Mon Jul 07, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Luggage recommendation
Replies: 34
Views: 2144

Re: ? "caution" section on backdoor Roth wiki

I thought we are ineligible for a traditional IRA due to income.So, can we make any amount of Non-Deductible IRA contributions even if we exceed the income limit? Or is the contribution limit 5500? If 5500 why do they say there is no limit on the backdoor Roth transferable amount? Or can you repeat...
by cherijoh
Mon Jul 07, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: ? "caution" section on backdoor Roth wiki
Replies: 25
Views: 2540

Re: ? "caution" section on backdoor Roth wiki

Can anyone explain this and how or what I would need to figure out to do a backdoor Roth conversion? You are quoting the Wiki, which already explains how to calculate the taxable portion of a Roth Conversion, so I am not sure what you are confused about. To physically do a backdoor Roth conversion,...
by cherijoh
Sun Jul 06, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: ? "caution" section on backdoor Roth wiki
Replies: 25
Views: 2540

Re: Cash Reserve in Retirement

Some people like to slice and dice their portfolio up and give them special names. 2 million with a 3% SWR rate is pretty safe. You can take 500k out and say you have a 4% on the remaining 1.5 million but that doesn't change anything. With a 3(or even 4%) SWR, the odds are you are going to have a t...
by cherijoh
Sun Jun 29, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash Reserve in Retirement
Replies: 13
Views: 2030

Re: Want to Save Money? Be Polite!

My mother used to say "you catch more flies with honey than vinegar". She was right about that. If you are nice to people, they will be nice to you, sometimes even going out of their way to be nice. It's just common sense. I've always tried to do that, and it works. :happy It always amaze...
by cherijoh
Sat Jun 28, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6688

Re: RMDs and Roth Conversions

The real answer will be provided by Alan S., who will tell you that the IRS doesn't track these things and has no idea if you are taking your RMD or not. (This is from my memory of previous threads) This is not to say you shouldn't attempt to do the right thing, but this is splitting the hair of a ...
by cherijoh
Sun Jun 22, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: RMDs and Roth Conversions
Replies: 14
Views: 590

Re: American Automobile Assn (AAA)

I dumped AAA last year. There are other avenues to get emergency service. I was also getting tired of the membership fee being hiked every year to pay for all those "benefits" that I never use. $170/year for me and my wife? No, thanks. Huh? I think I paid $45 for my membership. You must h...
by cherijoh
Sun Jun 22, 2014 9:21 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3399

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

One other option that has not been mentioned is to go to the American embassy while you are in Switzerland and get it renewed there. Ralph A former boss (not a US citizen at the time) had an expiring passport from her native country. For some reason they required that she renew her passport while o...
by cherijoh
Sun Jun 22, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3443

Re: water bottles and road trip

For road trips, we take a small cooler in the car. In addition to drinks, we take sandwiches for lunches. It saves time and we don't need to worry about finding a place to eat. Just talking to a friend the other day about how on long trips on the freeway, there were always Howard Johnsons or the li...
by cherijoh
Sun Jun 22, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1815

Re: RMDs and Roth Conversions

The rule for people age 70.5 and above is that their RMD must be taken from their traditional IRA for the year before any Roth conversion can be done from any traditional IRAs. But can both be done concurrently? Assume our person is in the 25% marginal bracket and has a $5000 RMD for the current ye...
by cherijoh
Sun Jun 22, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: RMDs and Roth Conversions
Replies: 14
Views: 590

Re: Another Inherited IRA question

For anyone else who may inherit an IRA, I recommend reading Ed Slott's book "The Retirement Savings Time Bomb". It is scary how much can go wrong when you are ignorant of these very important rules.
by cherijoh
Wed Jun 18, 2014 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Inherited IRA question
Replies: 9
Views: 532

Re: How to handle maxing a 401k with unknown bonus amount

My wife has a new job that offers 5% matching, as well as a bonus. We plan on fulling funding her 401k. The problem comes in with the predictability of the bonus (not at all predictable) and that when you choose a contribution amount, it applies to ALL income. This means, she will be getting a bonu...
by cherijoh
Wed Jun 18, 2014 6:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How to handle maxing a 401k with unknown bonus amount
Replies: 9
Views: 884

Re: car repair ordeal

My car was hit in a parking lot. It was the other drivers fault as determined by their insurance company. I took it to be fixed to the insurers preferred dealer. It was a small dent on the back door of my Honda CRV. The repair shop said if I bring it in on Monday, it would be finished by Friday and...
by cherijoh
Mon Jun 16, 2014 6:47 am
 
Forum: Personal Consumer Issues
Topic: car repair ordeal
Replies: 21
Views: 2682

Re: car repair ordeal

I took my classic Mustang into a local Ford dealer, Hurd Ford, for repairs. It took almost a month of delays and finally I went up there unannounced with a AAA tow truck to get it out of their hands regardless, since they had told me it was not fixed yet and they were not sure when it would be fixe...
by cherijoh
Mon Jun 16, 2014 6:26 am
 
Forum: Personal Consumer Issues
Topic: car repair ordeal
Replies: 21
Views: 2682

Re: Should I buy time in my gov't pension plan?

What happens if you do not stay with the municipality until retirement? If I leave before I reach full retirement eligibility then I have two options. 1) take a lump sum payout of the money I have contributed to the pension plan but not the money the city has contributed. I currently contribute 8% ...
by cherijoh
Mon Jun 16, 2014 6:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2169

Re: Portfolio Advice Requested (thanks!)

Usually you can move your holdings from one brokerage to another without selling them(Google "transfer in kind") so that would at least end the management fee. Sometimes there are mutual funds that not all brokerages are authorized to buy and sell so you might need to check several discou...
by cherijoh
Sun Jun 15, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Requested (thanks!)
Replies: 19
Views: 1618

Re: With no children, who will take care of my finances?

Here's a link that may help, at least with day to day money management. I've not used them but am in the same situation as the OP so it's something to consider: http://aadmm.com/ . I'll probably go with a Vanguard trust as well. Thanks for the link. I am in the same situation as the OP and it would...
by cherijoh
Sun Jun 15, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: With no children, who will take care of my finances?
Replies: 53
Views: 5713

Re: Are hybrid cars a good idea yet?

I am thinking about the Ford Fusion Hybrid, which is highest rated hybrid by US News. http://usnews.rankingsandreviews.com/cars-trucks/rankings/Hybrid-Cars/ I have a 2010 Fusion Hybrid and I really like it! I'm not sure in hindsight whether it was the best financial decision for me, since after pur...
by cherijoh
Sun Jun 15, 2014 7:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8129

Re: How To Encourage A Young (Sensitive) Child In Sports

Being forced to kiss relatives? Whoa! Sick! :D It's a cultural thing. Some cultures use the one cheek kiss, others the two cheeks kiss, and still others the three cheeks kiss. Oops, not that third cheek; I mean the first cheek a second time. You have to know whom you are greeting. I am old, and I s...
by cherijoh
Sun Jun 15, 2014 7:23 am
 
Forum: Personal Consumer Issues
Topic: How To Encourage A Young (Sensitive) Child In Sports
Replies: 115
Views: 5447

Re: Should I buy time in my gov't pension plan?

What happens if you do not stay with the municipality until retirement? I thought I was on a glide path to retire from my former employer (private industry) but circumstances intervened 10 years ago. I am fully vested in their traditional pension plan and am confident that I will be able to draw the...
by cherijoh
Sun Jun 15, 2014 6:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2169

Re: I need a Bogleheads reminder [New home - how much to spe

It doesn't sound like you need the square footage, so ask yourself what features of the more expensive home appeal to you? Is this something you could achieve through a remodel of the more modestly priced home? If you can't come up with something specific that you really want, I would reexamine why ...
by cherijoh
Sun Jun 15, 2014 6:09 am
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2750

Re: pay off mortgage or ROTH

As far as going the ROTH direction. This a tuff one because not sure I want start a ROTH at market all time highs. This is a specious argument. A Roth IRA is an investment vehicle and doesn't require an investment in stocks or stock funds. You could put it in a bond or CDs if you don't want to inve...
by cherijoh
Sun Jun 15, 2014 5:25 am
 
Forum: Personal Finance (Not Investing)
Topic: pay off mortgage or ROTH
Replies: 58
Views: 3871

Re: Recommend a 1 month trip abroad.

ladders11 wrote:
will34 wrote:
celebration of getting out of debt, maybe $30-50k max if the value is there but not necessarily looking for extreme luxury.


Huh? Confused...


I had exactly the same reaction. This sounds like you are spending money that you can't afford!
by cherijoh
Sat Jun 14, 2014 6:21 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a 1 month trip abroad.
Replies: 37
Views: 3384
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