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by island
Wed May 27, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Should I shorten my last name?
Replies: 63
Views: 4445

Re: Should I shorten my last name?

If it's that much of a hassle, do it. To me sounds like it's unique enough that you may be less susceptible to identity theft.
As far as if you ever get married, don't worry about that, your wife may choose to keep her own name regardless. Many of us do.
by island
Mon May 25, 2015 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 46
Views: 2053

Re: Do Bogleheads plan to utilize Independent Living facilities?

Drawpoker, teehee, so you agree he's still hitting the high notes because he wants to, not because he has to (which was my original point). How he got rich is irrelevant. But you must watch "Jersey Boys", a really good movie. Yup, not everyone works just for the $ or wants to retire soon ...
by island
Mon May 25, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Kitchen Remodeling and Microwave Food
Replies: 30
Views: 1717

Re: Kitchen Remodeling and Microwave Food

We steam all our fresh veggies in a micro. Little water in the bottom of a covered glass casserole. We also do "baked" potatoes, corn on the cob, and reheat leftovers. Don't eat much prepackaged stuff, but frozen lasagna works well. I think you can make things like packaged rice and Stove ...
by island
Mon May 25, 2015 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4656

Re: When is it safe to share financial details with gf, future wife

Jez never takes long for threads like this to go off track. :oops:
by island
Mon May 25, 2015 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: When is it safe to share financial details with gf, future wife
Replies: 53
Views: 4656

Re: When is it safe to share financial details with gf, future wife

[*] How compatible are our ideas on saving, spending, and investing? Right now, I believe we are on the same page [*] Does either of us have lots of debt (from school, mortgage, child support, judgment, credit card problems, etc.)? Thankfully, no. [*] How comfortable and reliable is our income/asse...
by island
Sun May 24, 2015 10:06 pm
Forum: Personal Consumer Issues
Topic: Home Remodel - too many decisions, need help!
Replies: 14
Views: 1432

Re: Home Remodel - too many decisions, need help!

A better place to post this would be in the gardenweb.com forums. Now part of Houzz.
Good luck.
by island
Sun May 24, 2015 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 169
Views: 20350

Re: much ado about coasting (through life)

Deleted, duplicate
by island
Sun May 24, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 169
Views: 20350

Re: much ado about coasting (through life)

I can semi relate to OP. Im 32 years old. At my current job I do just a little more than what is expected of me so they keep me around. I spend most of my days browsing the web. I have no desire to climb the corporate ladder. I like where im at right now in terms of job/pay. Im able to max 401/Roth...
by island
Fri May 22, 2015 4:50 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 8944

Re: Not your father's Total Bond Market Fund anymore

Hi Zapped. I Edited my long post. Sorry about that, originally posted from my phone and didn't see the whole picture so to speak. Agree about hating to scroll thru the long repeats. Appreciate the suggestion. Back to my confusion. I know those graphs show different time frames, but for the years tha...
by island
Fri May 22, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 8944

Re: Not your father's Total Bond Market Fund anymore

Zapped, Novice here, just trying to make sense of the graphs in the most elementary way and I don't get it. To start, just looking at 1st and 3rd graphs.... Aren't they comparing the same 2 funds over roughly the same time period? If so why does the Term bond fund (orange line) show more growth than...
by island
Wed May 20, 2015 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 9806

Re: Should I apply for manager's job or continue as a techie?

nitro4214 wrote:I decided not to apply. Thanks all for your feedback


What made you finally decide not to?
by island
Tue May 19, 2015 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 18
Views: 1739

Re: Moving Vanguard Funds to a broker?

Littlebird could you possibly explain what's "scary"?
I dream of simplifying by someday having all acounts at Vanguard so reading scary scares me! :shock:
Can you share any more info?
Thanks.
by island
Tue May 19, 2015 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3583

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

A couple of you mentioned FEHEP. What's that? Can only contribute to HSA if have a high deductable health plan correct? My employer provides my healthcare with only copays for office visits and meds, 'so I'm out of luck for contributing for future needs, say in those early retiremnet years when I no...
by island
Sun May 17, 2015 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: adversarial inheritance situation - advice needed.
Replies: 23
Views: 3259

Re: adversarial inheritance situation - advice needed.

Again I'll ask, does the grandparent know about their child steeling from the grandchild's trust fund? Has the grandchild done anything to try to recover what's been pilfered? I believe one if your last posts mentioned the grandparent may be alive for several years? If so couldn't the grandchild tal...
by island
Sun May 17, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3788

Re: MediCare and ? What are your out of pocket costs please.

dolphinsaremammals wrote:self deleted, I didn't realize this was an old thread.


OP here. Old thread, but I resurrected it for more info. Still relevant for me so sorry to see you deleted your post. I revised my original post to let others know that too. Thanks.
by island
Sun May 17, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3788

Re: MediCare and ? What are your out of pocket costs please.

Thank you all for the additional information. It's very helpful to hear about your individual plans and experiences so I can get an idea of the variables to consider and the areas that can lead to surprises. Like meds and dental. Will plan to get good comprehensive supplemental plans and should star...
by island
Sun May 17, 2015 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: adversarial inheritance situation - advice needed.
Replies: 23
Views: 3259

Re: adversarial inheritance situation - advice needed.

Who is the executor? That is the person who would control the distribution of assets in accordance with the will. Hi Prudent - sorry, I was unclear in my first post. The wealth-holding generation is still alive (though just), so this thread is meant to just give advice on best practices where one h...
by island
Sun May 17, 2015 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing Revocable Trust vs Will
Replies: 42
Views: 3873

Re: Establishing Revocable Trust vs Will

One thing I did determine was that there was an $1,800 fee buried in the paperwork for funding the trust. That seems like an excessive amount to me, considering I can do all of the work myself (checking accounts, cds, etc) except for transferring the deed for my house and farm. I can't imagine that...
by island
Sat May 16, 2015 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 3788

Re: MediCare and ? What are your out of pocket costs please.

OP here again; anyone have anything further to add? Was just discussing this topic again with my DH and he's convinced my concern about the cost of healthcare ( not inc LTC) at 65, beyond what Medicare covers, is overblown. Cost is a drop in the bucket he thinks. When he pulls up example premiums an...
by island
Sat May 16, 2015 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Establishing Revocable Trust vs Will
Replies: 42
Views: 3873

Re: Establishing Revocable Trust vs Will

One thing I did determine was that there was an $1,800 fee buried in the paperwork for funding the trust. That seems like an excessive amount to me, considering I can do all of the work myself (checking accounts, cds, etc) except for transferring the deed for my house and farm. I can't imagine that...
by island
Sat May 16, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS (I think they are wrong)
Replies: 21
Views: 2770

Re: Letter from IRS (I think they are wrong)

Interesting thread. For those of you who have gotten letters from the IRS telling you your return was wrong (accurate or not) did you do your returns by hand without Turbo or other tax return software? E-file or not?
Just curious if there is any pattern, more scrutiny for old school" returns?
by island
Fri May 15, 2015 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 6373

Re: Am I a Millionaire???

I don't know; depends on your definition. I'm another who only counts investable assets and even then I know the fed and state owns at least 25% of our tax deferred retirement accounts. Don't count our paid off home or other possessions because we live in and use that stuff and would need to replace...
by island
Tue May 12, 2015 10:07 pm
Forum: Personal Consumer Issues
Topic: Patio Furniture
Replies: 16
Views: 1856

Re: Patio Furniture

Zadie did you try an offset or cantilever umbrella?
by island
Sun May 10, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Do banks take loose coinage?
Replies: 55
Views: 3498

Re: Do banks take loose coinage?

derosa wrote:My branch bank won't count loose money but will take rolled money. Wrapper doesn't have an account number on it either.

Something to do while watching TV of course.


Same here including the watching TV part. Relaxing. :D Reminds me of my childhood; rolling coins with dad.
by island
Sun May 10, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Age 70 1/2: Think through your RMD choices.
Replies: 9
Views: 1817

Re: Age 70 1/2: Think through your RMD choices.

How great that someone loves a job so much, s/he looks for a reason like that not to retire. She does love her job, and the working conditions (flex hours, work from home with an occasional trip to the City for meetings, and intellectual stimulation) are ideal. I find it harder and harder to posit ...
by island
Sun May 10, 2015 8:28 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3986

Re: Should I buy a lighter bicycle or lose body weight?

Zapped- I still don't see "unforgiving" in those posts, but no matter, neither of our impressions are relevant to the OP's questions about the 3pound difference between the bikes anyway. Cheers.
by island
Sun May 10, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3986

Re: Should I buy a lighter bicycle or lose body weight?

Zapped wrote:It's a little surprising to me that folks are unforgiving about a 10lb gain in a year.


I don't see any posts saying that or any that deny the benefit of exercise or losing weight.
by island
Sun May 10, 2015 4:29 pm
Forum: Personal Consumer Issues
Topic: Patio Furniture
Replies: 16
Views: 1856

Re: Patio Furniture

Our current teak table is in decent shape, but doesn't have an umbrella (no hole for the umbrella either). I may try to cut out a hole for an umbrella and try that. We purchased one of those stand alone umbrellas a few years ago but it didn't work out. By stand alone umbrella are you talking about ...
by island
Sun May 10, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I buy a lighter bicycle or lose body weight?
Replies: 53
Views: 3986

Re: Should I buy a lighter bicycle or lose body weight?

Agree, one issue has nothing to do with the other. There will always be a newer, lighter, faster, more shiny version of, whatever out there. You either want it and buy it or you don't. Spare us the he "tried to sell me" phrasing (which is sooo common on this site); the decision will always...
by island
Sat May 09, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Selling condo should I replace carpeting?
Replies: 15
Views: 1576

Re: Selling condo should I replace carpeting?

Clean it very well and offer a flooring allowance. New carpeting in a color I don't like or didn't want at all, new granite over old tired cabinets, etc would be turn offs. If I bid at all, those things would make me want to bid lower because I don't want the cost of that unwanted "upgrade"...
by island
Sat May 09, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Brand Loyalty
Replies: 60
Views: 3998

Re: Brand Loyalty

There are several threads on this subject.
by island
Sat May 09, 2015 9:13 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5434

Re: Stop contributions to retirement accts due to future RMDs

Regarding your oldest bro the surgeon, so after maxing out his retirement accounts what does he do with his "excess" money if not put it in a taxable account? What options are there other than leaving it in cash to earn nothing, blow it or give it away? What am I missing. Spend. Ha! Well ...
by island
Sat May 09, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5434

Re: Stop contributions to retirement accts due to future RMDs

I have thought about it for a long time, but could not do anything about the future "tax bomb" until 2010 when conversions were allowed for any income. I always maxed the amount in tIRAs and 401ks for me and my spouse including non-deductible IRAs. Roths were never available for me until ...
by island
Sat May 09, 2015 8:32 am
Forum: Personal Consumer Issues
Topic: Patio Furniture
Replies: 16
Views: 1856

Re: Patio Furniture

What's nice, but not too nice? Do you have a price range? Are you hoping to buy locally so you can sit in the chairs to see if comfortable or ok with buying online? There are just so many options, styles and places to buy. Would help if you could narrow it down. We have a round glass top table and s...
by island
Sat May 09, 2015 8:13 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5434

Re: Stop contributions to retirement accts due to future RMDs

So my question is. If at the age of about 50 or whenever, and you have calculated that you can have more than enough to live on from other than retirement accounts, would you stop contributing to retirement accounts and just invest the money in taxable accounts? I would not use just "more than...
by island
Sat May 09, 2015 7:55 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5434

Re: Stop contributions to retirement accts due to future RMDs

I have often thought about this. My main thought is that people do not give taxable accounts enough credit. They too grow "almost" or in fact tax free. If you're in the 10-15% tax brackets, your taxable account is effectively a Roth with no contribution limit. As long as you aren't sellin...
by island
Sat May 09, 2015 6:30 am
Forum: Personal Consumer Issues
Topic: Shared Fence Issue with (Commercial) Neighbor
Replies: 10
Views: 1264

Re: Shared Fence Issue with (Commercial) Neighbor

Curious, who owns the current fence?
by island
Sat May 09, 2015 5:26 am
Forum: Investing - Theory, News & General
Topic: Stop contributions to retirement accts due to future RMDs
Replies: 77
Views: 5434

Re: Stop contributions to retirement accts due to future RMDs

I have thought about it for a long time, but could not do anything about the future "tax bomb" until 2010 when conversions were allowed for any income. I always maxed the amount in tIRAs and 401ks for me and my spouse including non-deductible IRAs. Roths were never available for me until ...
by island
Wed May 06, 2015 9:39 pm
Forum: Forum Issues and Administration
Topic: Slow speed
Replies: 12
Views: 790

Re: Slow speed

Still snail's pace on my iPad.
by island
Tue May 05, 2015 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Notary for 401k rollover?
Replies: 15
Views: 917

Re: Notary for 401k rollover?

I moved some pre '86 after tax contributions from my current 401K with Vanguard to my Vanguard Backdoor ROTH and had to get my spouse's signature on the forms notarized to document he was OK with the move. Had it done at AAA. About $5 less than it would have cost at at other options,Postal Annex or ...
by island
Tue May 05, 2015 10:04 pm
Forum: Personal Consumer Issues
Topic: French press recommendation?
Replies: 32
Views: 2122

Re: French press recommendation?

Just accept that hipsters are right on this and buy an Aeropress. It was designed by a Stanford engineer - the same one who designed the Aerobie frisbee - and it's way more durable than a glass french press. I used it every day on deployment and I love the coffee. It's easier to clean. It's cheap. ...
by island
Sun May 03, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Tea bag recs for making iced tea please
Replies: 17
Views: 1210

Re: Tea bag recs for making iced tea please

I would almost always choose loose tea over tea bags. The best way to make iced tea is to place the tea in a large clear container with cold water and leave it in the sun for a couple of hours, or alternatively you can leave it in the frig a bit longer (maybe overnight). Then just strain out the te...
by island
Sun May 03, 2015 6:46 pm
Forum: Personal Consumer Issues
Topic: Tea bag recs for making iced tea please
Replies: 17
Views: 1210

Tea bag recs for making iced tea please

i like unsweetened iced tea, especially mint flavored or the passion fruit flavor they often serve in restaurants with a slice of orange. Can anyone recommend some tea bags that you know are good for iced tea with a little flavor, especially these favors or other fruit flavors that aren't "spic...
by island
Sat May 02, 2015 9:43 pm
Forum: Forum Issues and Administration
Topic: Forum is now back ONLINE!
Replies: 45
Views: 1556

Re: Forum is now back ONLINE!

Wow so much easier to read on my iPhone!
Thank you LadyGeek and all the other moderators and site administrators.
:beer
by island
Sat May 02, 2015 11:16 am
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 4730

Re: Oh yuck, what just happened to the font?

I kind of liked the new bolder font, but not the single spacing.
by island
Fri May 01, 2015 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 145
Views: 9806

Re: Should I apply for manager's job or continue as a techie

I have also been in a similar position moving from a tech support type position as an engineer to a management position for the same department. The job completely changed and instead of being able to do what I enjoyed solving problems, I was stuck with piles of paperwork and meetings while watchin...
by island
Fri May 01, 2015 2:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio planning and Roll overs
Replies: 5
Views: 437

Re: Portfolio planning and Roll overs

I'm not familiar with 403b plans, but if employer sponsored like a 401k, isn't your wife stuck with whatever plan her employer choses, which in her case is Voya? What funds is she invested in now? If she's not "managing" it, who is? Someone at Voya advising her, rebalancing or telling her ...

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