Search found 175 matches

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: 833

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: 3564

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: 1987

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: 2670
Views: 529863

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: 6290

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: 2020

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: 2739

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: 484

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: 4403

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: 869

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: 869

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: 2509

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: 3469

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: 5198

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: 3295

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: 3295

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: 1216

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: 1216

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: 1216

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: 1216

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: 15078

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: 617

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: 617

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: 617

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: 9831

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: 429
Views: 43913

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: 869

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: 5087

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: 425

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.
by 111
Tue May 19, 2015 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1757

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Interesting. I'm living in Portugal right now and, though I'm moving this summer, it is definitely on the list of places I will consider retiring to in like 20years. If you are or have been resident in Portugal, you are not allowed anymore to use the NHR scheme. Well, that would suck. But, I'm not ...
by 111
Mon May 18, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 11
Views: 1757

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

Interesting. I'm living in Portugal right now and, though I'm moving this summer, it is definitely on the list of places I will consider retiring to in like 20years.
by 111
Fri May 15, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Major issues with new HSABank.com website
Replies: 41
Views: 5087

Re: Major issues with new HSABank.com website

I got the new one today and it's horrible. Just wanted to transfer some money to my investment account and it took like 10 min. Had to change my password, set new security questions, and then several minutes clicking around on different pages looking for the transfer option.
by 111
Mon May 11, 2015 4:15 am
Forum: Investing - Theory, News & General
Topic: "Should We Teach Teenagers to Trade?"
Replies: 30
Views: 2554

Re: "Should We Teach Teenagers to Trade?"

nisiprius wrote:Darned if I can figure out how to make an exciting game out of buying and holding index funds.


Spend a few minutes picking your allocation and setting it up and then you get a free period the rest of the year vs all the active traders who have to keep coming in and checking/trading every day?
by 111
Sat May 09, 2015 2:53 am
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1764

Re: Help me understand why maxing out Roth TSP is better than Traditional

grabiner wrote:Also check how your state taxes the TSP, and how that might work if you retire in a different state.


TN has no state income tax (except on dividends from taxable accounts), so it shouldn't matter going in. I have no idea where I will retire though.
by 111
Fri May 08, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1764

Re: Help me understand why maxing out Roth TSP is better than Traditional

retiredjg wrote:Now for a person in the Foreign Service Pension System (FSPS) ....I don't know if they pay into SS or not and I'm not sure how much difference that would make.


That is the one I am in and we do pay into SS.
by 111
Fri May 08, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1764

Re: Help me understand why maxing out Roth TSP is better than Traditional

ps: retiredjg seems to think you have a pension coming but I can't see where you mentioned that? I hadn't mentioned it as when I made the original post I wasn't thinking of that making much of a difference, but now I can see that it will as that will be taxable income. I'm in the FSPS, so that will...
by 111
Fri May 08, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1764

Re: Help me understand why maxing out Roth TSP is better than Traditional

In any case, if I were in the 28% federal tax bracket, I would definitely use the traditional over the Roth, but my situation and preferences are not necessarily going to be that similar to yours. Sorry, I read the wrong bracket. I meant 25, not 28. And, we barely made that last year only because m...
by 111
Fri May 08, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: Help me understand why maxing out Roth TSP is better than Traditional
Replies: 23
Views: 1764

Help me understand why maxing out Roth TSP is better than Traditional

Through reading on this forum and this wiki page: https://www.bogleheads.org/wiki/Traditional_versus_Roth#If_you_can_max_out I was convinced that, given that I will max out my contributions either way, I am better going the Roth route. However, today a friend was asking me why (since the benefit of ...
by 111
Mon May 04, 2015 5:44 am
Forum: Personal Finance (Not Investing)
Topic: Retiring before kids start college. Thoughts?
Replies: 26
Views: 5199

Re: Retiring before kids start college. Thoughts?

We are in our late 40's and had kids in our 20s, 30s and one in mid 40s. I misread "our" as "their" and was totally confused. :shock: :oops: To the topice at hand I am also interested as I could possibly consider retiring before my daughter starts college. So, it will be interes...
by 111
Mon Apr 27, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade user? Question regarding selling Free ETFs
Replies: 23
Views: 1604

Re: TD Ameritrade user? Question regarding selling Free ETF

FYI - I called TD Ameritrade today. According to the rep, the 30 day hold is on a per share basis. So in the hypothetical example in the original post, 100 shares could be sold commission free on July 14th. That does not jive with my experience. I had bought in like 3 different dates, so then I sol...
by 111
Fri Apr 24, 2015 1:59 pm
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 5279

Re: Best touristy places to live in the world?

Touristy is kind of a gradient to me. I like a little bit, but not too much. Recently, I went to Prague and it was way too touristy with stupid people riding segways every where and such. I live in Lisbon which is a lot less touristy, but maybe Barcelona or Budapest would be my preference toward the...
by 111
Thu Apr 23, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank - my loss?
Replies: 6
Views: 860

Re: HSA Bank - my loss?

Ok, I removed the amount HSA Bank said to remove on the worksheet they sent me so hopefully that was correct. Thanks and sorry they screwed up in your case.
by 111
Thu Apr 23, 2015 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank - my loss?
Replies: 6
Views: 860

Re: HSA Bank - my loss?

I'm confused. You tried to get the excess contribution returned, they screwed it up, and then you had to pay the tax on it? I'm asking because I contributed too much, had it returned, but then didn't fill out the form you mentioned or pay any extra tax. I just want to make sure that I didn't miss so...
by 111
Wed Apr 22, 2015 1:05 am
Forum: Personal Finance (Not Investing)
Topic: HSA contribution limits
Replies: 3
Views: 507

Re: HSA contribution limits

Both contributions count toward the limit. I made this mistake last year and ended up over contributing and then having to request the return of excess contributions.
by 111
Wed Apr 22, 2015 1:03 am
Forum: Personal Consumer Issues
Topic: MB vs Volvo vs. Other?
Replies: 48
Views: 4448

Re: MB vs Volvo vs. Other?

I had pretty much decided on getting an XC60, but the Volvo dealer didn't answer my email so I decided to just save the cash and stick with my current car for now.

My order of preference would be Volvo, MB, BMW, then Audi/VW. But, that is largely based on the size of the discount available to me.
by 111
Tue Apr 21, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: European Cruises
Replies: 29
Views: 2148

Re: European Cruises

I just did a train trip across Europe and saw Viking cruise ships in both Prague and Budapest, so there are two places you could consider. I don't know where else the cruises go though.
by 111
Sun Apr 05, 2015 3:34 am
Forum: Personal Finance (Not Investing)
Topic: Federal employee HDHP problems setting up HSA
Replies: 11
Views: 1115

Re: Federal employee HDHP problems setting up HSA

I don't see on FEHB where Blue Cross offers any HDHP plans. Are you sure that you have an HDHP which qualifies for an HSA?
by 111
Fri Mar 13, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 3089

Re: Buying Euro for Vacations?

As I said in one of the other threads... I live in Europe and am paid in $. I just get like 200EUR at a time out of the ATM as I need it. I expect parity, so I don't see any reason to stock up now. If we pass that I'll start considering doing a larger amount.
by 111
Thu Mar 12, 2015 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Time to buy up EUR?
Replies: 30
Views: 2796

Re: Time to buy up EUR?

I am earning dollars and spending Euros and will continue for at least the next three years. I'm still just converting whatever I need as I need it as I'm guessing that the Euro will continue dropping against the dollar for a while. I just wish I hadn't booked the flights for my next vacation so far...
by 111
Thu Feb 26, 2015 10:43 pm
Forum: Personal Consumer Issues
Topic: Please help with dress decision
Replies: 5
Views: 665

Re: Please help with dress decision

i initially saw white and gold, but as I looked more it eventually got closer to blue & black. I saw the a pic of the the same dress in normal lighting and it's quite obvious in that photo which it is.

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