Search found 196 matches

by 111
Thu Apr 28, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Does a Roth conversion qualify as income and enable you to make a new IRA contribution?
Replies: 3
Views: 288

Re: Does a Roth conversion qualify as income and enable you to make a new IRA contribution?

Carl53 wrote:Earned income is necessary.


Thanks! "Earned" was the key word I had missed I guess.
by 111
Thu Apr 28, 2016 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Does a Roth conversion qualify as income and enable you to make a new IRA contribution?
Replies: 3
Views: 288

Does a Roth conversion qualify as income and enable you to make a new IRA contribution?

I have a Traditional IRA and was thinking about the possibility of doing Roth conversions at some point in the future to take advantage of a year (or years) with little or no income. Then it occurred to me that since a conversion is taxed as income then does that qualify you to make an IRA contribut...
by 111
Mon Apr 11, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: What to do and see in Lisbon and Azores?
Replies: 16
Views: 1350

Re: What to do and see in Lisbon and Azores?

Pro-tip: At any restaurant in Lisbon/Portugal, turn away the appetizer dish they bring you. They pretend like it's free, but they actually charge for it. It's a trick to get tourists into paying extra, and almost every place does it. That's not a trick against tourists. That's just the way that it'...
by 111
Mon Apr 11, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: What to do and see in Lisbon and Azores?
Replies: 16
Views: 1350

Re: What to do and see in Lisbon and Azores?

Sintra is a nice little trip outside of Lisbon.

On Sao Miguel, I thought Furnas was pretty cool as there are lots of hot springs and stuff.
by 111
Fri Mar 25, 2016 3:36 am
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 6141

Re: Europe Trip in August

I definitely wouldn't cancel out of fear (disclaimer: I'm an American living in Europe). August is probably the worst time to go though (due to crowds and temperature).
by 111
Wed Mar 23, 2016 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Is there a way to KNOW if card is chip-and-pin?
Replies: 6
Views: 648

Re: Is there a way to KNOW if card is chip-and-pin?

If you have a card reader on your computer you can install this software and check the order of verification methods: http://pannetrat.com/Cardpeek/ Edit: Somebody has already been doing this and building a database and if it is one of these then you should be good: http://www.spotterswiki.com/emv/c...
by 111
Tue Mar 15, 2016 5:45 pm
Forum: Personal Consumer Issues
Topic: Should I have my kids participate in school fundraisers?
Replies: 78
Views: 5773

Re: Should I have my kids participate in school fundraisers?

Don't think that it's a purely public school thing. I was quite surprised the first year my kid went to an expensive private school that they still did fundraisers and had school supply lists that we had to provide. But, it has continued on every year at three different schools now so it's apparentl...
by 111
Fri Mar 11, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Can credit card company issue a check?
Replies: 6
Views: 445

Re: Can credit card company issue a check?

I had a credit on a card I didn't use frequently and after several months they sent me a check without me asking just to straighten out their books I guess. So, they definitely can.
by 111
Wed Mar 09, 2016 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9476

Re: How to get a real Chip and Pin card?

livesoft wrote:^Thanks!


No problem. I do recommend having back up options just in case though (I also have a USAA Chip & PIN card and a Chip & PIN debit card issued by my European bank).

Also, anything other than regional trains I would book online in advance to try and get better prices.
by 111
Wed Mar 09, 2016 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9476

Re: How to get a real Chip and Pin card?

We plan to be in Italy soon and I was researching buying train tickets and they mentioned using ticket machines on the platforms but to be sure you have a chip and pin card. I just spent a week in Italy and had no problem with my Chase Marriott Chip + Signature card at the machines. I had other opt...
by 111
Wed Mar 09, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to get a real Chip and Pin card?
Replies: 83
Views: 9476

Re: How to get a real Chip and Pin card?

We plan to be in Italy soon and I was researching buying train tickets and they mentioned using ticket machines on the platforms but to be sure you have a chip and pin card. I just spent a week in Italy and had no problem with my Chase Marriott Chip + Signature card at the machines. I had other opt...
by 111
Mon Mar 07, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 11129

Re: Cities good for living abroad?

I spent the last two years in Lisbon and really loved it. Porto is pretty nice too. In Spain I visited Seville and Barcelona and would like to go back to both of those for more time.
by 111
Sat Mar 05, 2016 3:38 am
Forum: Personal Consumer Issues
Topic: TaxAct blocking overseas users?
Replies: 0
Views: 254

TaxAct blocking overseas users?

I went to TaxAct.com to start my return and the regular page loaded, but when I click the sign in button that page doesn't load. I tried turning on my VPN and it works fine so it seems like they are blocking overseas users, but I thought I'd post here to see if anyone else can verify. (HSA Bank appe...
by 111
Sat Mar 05, 2016 2:41 am
Forum: Investing - Theory, News & General
Topic: Just lost 4.08% on Forever stamps.
Replies: 63
Views: 7500

Re: Just lost 4.08% on Forever stamps.

You got out cheap. I thought for sure I had found the perfect manufactured spend to get that credit card bonus. :oops:
by 111
Thu Mar 03, 2016 12:34 am
Forum: Personal Consumer Issues
Topic: Euro Pass Guidance
Replies: 18
Views: 1386

Re: Euro Pass Guidance

I've found two days in a city to be the sweet spot for me. It's enough time to see the main things I want and if I have anymore I start getting lazy and thinking "I can always do that tomorrow" and end up wasting time at the hotel. IMO the rail passes are almost never worth the money. Some...
by 111
Sat Feb 27, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Which brokers are friendly to expats?
Replies: 28
Views: 2449

Re: Which brokers are friendly to expats?

I've been living overseas for almost 5 years and am on my 3rd country and never had a problem with Vanguard. Of course, I opened my account when I was still in the US and I've only ever used my US address with them so they don't really know I'm overseas except by IP address.
by 111
Mon Feb 22, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 37
Views: 3003

Re: Cloud Storage

Dropbox rarely
Google Drive for basically one active spreadsheet (and Google Photos for all my photos)
Amazon Glacier for another off-site backup of all my photos
by 111
Fri Feb 12, 2016 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 11129

Re: What is your decline in Net Worth as of today?

I estimate around 5% this year.
by 111
Fri Feb 12, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to move money internationally?
Replies: 24
Views: 1956

Re: Best way to move money internationally?

billfromct wrote:Don't know if Xoom services Isreal.


I use Xoom to send money to family in The Philippines but I just looked at their site and don't see Israel listed.
by 111
Fri Feb 12, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is your opinion on the Federal goverment retirement plan?
Replies: 57
Views: 5682

Re: What is your opinion on the Federal goverment retirement plan?

As a related matter (apologies in advance if inappropriate), can anyone offer advice in getting a federal job for someone in I.T.? I was let go from my private sector job (programming/systems analysis) in the Unix/C/C++/Oracle area after 25 years with a BS and MS in math and engineering and compute...
by 111
Mon Feb 08, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Planning European-Southern Germany Road Trip Travel-Hacks Wanted
Replies: 17
Views: 1407

Re: Planning European-Southern Germany Road Trip Travel-Hacks Wanted

1. I like skypicker.com for flights now. You can use it to do a radius search for the departure airport with MCO as the destination and find the cheapest to fly back from and use that to determine your route. 2. Personally, I would much rather do trains than drive. Last April my family did 4 countri...
by 111
Thu Feb 04, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: TSP doesn't credit dividends & interest?
Replies: 14
Views: 1164

Re: TSP doesn't credit dividends & interest?

I'm sure someone will correct me or explain better, but my understanding is that when a dividend/interest is paid out to the holders it comes out of the fund lowering the price per share and basically making it a wash. With the automatic reinvestment you end up own more shares of the fund but each s...
by 111
Sun Nov 29, 2015 10:38 am
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4208

Re: Are suitcase locks worth it?

Thanks to someone posting a high res photo of the TSA master keys and the existence of 3D printers the TSA approved locks are even more worthless now. https://github.com/Xyl2k/TSA-Travel-Sentry-master-keys
by 111
Fri Nov 06, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Please explain how are stocks and bonds down the same days??
Replies: 28
Views: 2403

Re: Please explain how are stocks and bonds down the same days??

If that's the case, I have a tsp account and a brokerage account, it has been suggested to me to hold all my fixed income in the G fund rather than the Total bond fund. If there is no guaranteed correlation, I minds well use the G fund to my advantage! I hate to see bonds go down, because they neve...
by 111
Wed Sep 23, 2015 11:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3109
Views: 711236

Re: U.S. stocks in freefall

I decided I'd take advantage of the dip on Tuesday and moved about 5% of my TSP from G to C & S. So, if the market continues to drop you can probably blame me. :P
by 111
Sat Sep 19, 2015 12:59 am
Forum: Personal Consumer Issues
Topic: Looking at the new $49 Kindles...
Replies: 53
Views: 6954

Re: Looking at the new $49 Kindles...

I'm going on the assumption you are talking about Kindle Fire tablets and not the e-readers. Firstly, I wouldn't pay extra for the ad free version. The ads are only on the lock screen and sometimes there are really good exclusive deals. I got an $80 coffee maker for like $20 once. After you get it, ...
by 111
Thu Sep 17, 2015 12:31 pm
Forum: Personal Consumer Issues
Topic: Corelle Dinnerware, anyone?
Replies: 22
Views: 2236

Re: Corelle Dinnerware, anyone?

I don't know about "peel" off but I a few of our do have parts of the edge that are sort squared off where something has happened. I just assumed they had chipped, but I guess it is possible that they peeled.
by 111
Sat Sep 05, 2015 11:43 am
Forum: Investing - Theory, News & General
Topic: Anyone looking at Vanguard Reit
Replies: 30
Views: 2975

Re: Anyone looking at Vanguard Reit

I made my final IRA contribution for the year yesterday and bought some VGSLX. Brought my allocation from 6% to 7%. I want 10% eventually but right now I prefer slowly rebalancing through directing new money instead of selling one thing and buying another and doing it all at once.
by 111
Thu Sep 03, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 6
Views: 554

Re: Facebook Groups: Does anyone know why you create Groups?

I have one of high school classmates and one from my work. I can keep up with the people in them without necessarily being friends with all of those people.
by 111
Tue Sep 01, 2015 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Chip credit cards, do I need to get a PIN?
Replies: 54
Views: 6251

Re: Chip credit cards, do I need to get a PIN?

The vast majority of Chipped cards in the US are Chip and Signature. If you get a PIN it is only used for cash advances at ATMs. If you get overseas to a kiosk or place that actually requires an offline Chip & PIN it probably won't work even with that PIN that you set.
by 111
Sat Aug 08, 2015 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA newbee
Replies: 8
Views: 960

Re: HSA newbee

111, thanks I will check into the fee, but what do you invest in for your HSA? I only use the commission free ETFs. Mostly VT though at times I had some in VNQ and a few other things. Just be aware that if you don't hold that ETF for 30 days then they'll slap you with a fee for both the buy and the...
by 111
Sat Aug 08, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: HSA newbee
Replies: 8
Views: 960

Re: HSA newbee

I used the TD Ameritrade. I found that the fees were waived (or possibly paid by my employer) as long as I'm active in the HDHP. I temporarily switched to a normal plan and they started charging me the fees and when I switched back they stopped. I'm over the minimum now, so it doesn't really matter.
by 111
Sun Jul 05, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Camera Experts Wanted
Replies: 36
Views: 2868

Re: Camera Experts Wanted

I have a Sony RX100 II and love it. We also have a DSLR, but it is so heavy to lug around that we rarely carry it. As the old saying goes: "The best camera is the one that you'll use."
by 111
Fri Jul 03, 2015 3:55 am
Forum: Local Chapters and Bogleheads Community
Topic: Chattanooga, TN
Replies: 6
Views: 3617

Re: Chattanooga, TN

LOL @ a group 7 years in the making. :D I'm originally from Cleveland, so I've spent a lot of time in Chattanooga, but now I'm living overseas. I'm visiting my parents over the next month and am sure I'll make several trips to Chattanooga to eat at Ankar's if nothing else (one of the places I miss t...
by 111
Tue Jun 30, 2015 12:29 pm
Forum: Personal Consumer Issues
Topic: Amazon getting too smart?
Replies: 35
Views: 5492

Re: Amazon getting too smart?

BTW, if you're a Prime user, be sure to take advantage of the Amazon Store Card. 5% back on most Amazon purchases (at least that's the deal that was offered to me, per my shopping habits). Absurd interest rate, but I if you pay credit card interest, you probably don't post here. I have the Amazon c...
by 111
Fri Jun 19, 2015 3:58 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3484

Re: San Francisco advice

Listen to them on Alcatraz. I just checked and there is already no availability for my dates aside from the 2 island tour. :(
by 111
Fri Jun 19, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: San Francisco advice
Replies: 20
Views: 3484

Re: San Francisco advice

Thanks for posting the question as I am taking my family there next month! :sharebeer
by 111
Thu Jun 18, 2015 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1356

Re: Proving address to credit bureaus

I think my problem is that if you don't have a mortgage or utility bills or anything then they don't have anyway to know where you are. I think they lost track of me when I joined the Foreign Service a few years ago. Ever since then I've had government provided housing and utilities and have been mo...
by 111
Tue Jun 16, 2015 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1356

Re: Proving address to credit bureaus

I just heard that 1 report arrived in the mail for me today, so at least 1 of the bureaus worked out ok.
by 111
Tue Jun 16, 2015 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1356

Re: Proving address to credit bureaus

I suggest you update your drivers license unless you are going to move soon. Our DMV doesn't do anything automatic for you. You have to do it yourself. Here you have to notify them, but they just update the record and don't actually do anything. It doesn't get updated on your actual license until y...
by 111
Tue Jun 16, 2015 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Proving address to credit bureaus
Replies: 10
Views: 1356

Proving address to credit bureaus

So, I previously posted about getting denied when I tried to pull my free annual credit report from https://www.annualcreditreport.com/ and as suggested I tried calling. I assumed I would have to talk to someone, but I actually just had to re-enter all of the exact same information by voice which wa...
by 111
Mon Jun 15, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 155
Views: 16674

LastPass.com Breach

If you use LastPass you should read this blog post announcing they were breached: https://blog.lastpass.com/2015/06/lastpass-security-notice.html/ You should probably change your password. And, if you haven't already, consider using 2 Factor Authentication (there is a link in the blog post explainin...
by 111
Tue Jun 09, 2015 1:46 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 799

Re: HSA Bank tax form late and incorrect

Spirit Rider wrote:You are fine.


Thanks a lot for your help!
by 111
Mon Jun 08, 2015 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 799

Re: HSA Bank tax form late and incorrect

If the return of your excess contributions occurred in 2015, what you received is correct. You would have just received Form 5498-SA. This form reports contributions for the previous tax year. It is required to be provided by 05/31. This is to allow time for contributions until 04/15 to be included...
by 111
Mon Jun 08, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: HSA Bank tax form late and incorrect
Replies: 5
Views: 799

HSA Bank tax form late and incorrect

As I mentioned last year, I over contributed to my HSA. I filled out the form and paid their Excess Contribution Removal Fee and they sent me a check for that amount which should have lowered my contribution to the limit. However, their little bar graph summary continued to show that I over-contribu...
by 111
Sat Jun 06, 2015 4:57 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Federal Employment
Replies: 86
Views: 10972

Re: Thoughts on Federal Employment

I don't think it's hugely different than private sector in that there can be wide variations in different agencies, positions, etc... and you really just have to compare everything and how they fit for you individually. For instance, I am in the Foreign Service and love that I get to move to a new c...
by 111
Mon Jun 01, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 64030

Re: Free Windows 10 Upgrade, Yes or No?

I just got it on my Win8.1 VM and jumped at it. I also have a VM running the Win10 Technical Preview so I already know that I like it a lot better.
by 111
Thu May 28, 2015 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees - New HSA process?
Replies: 7
Views: 937

Re: Federal Employees - New HSA process?

That is very odd. I just checked my account to be sure and my employee contribution is still going in directly each month and my participant contributions are still going in directly every pay period.
by 111
Sat May 23, 2015 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 5682

Re: Major issues with new HSABank.com website

I was thinking of switching from GEHA HDHP this year. Then I would be able to transfer my HSA elsewhere, correct?
by 111
Wed May 20, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Trip to Portugal in May
Replies: 1
Views: 488

Re: Trip to Portugal in May

Sorry, that I didn't see this sooner. Is it too late for suggestions? Will you have a car? Feel free to PM me.

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