Search found 45 matches

by BogleFanGal
Fri Jun 23, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Is someone trying to steal my identity?
Replies: 32
Views: 3112

Re: Is someone trying to steal my identity?

Hackers can use your phone number to get access to your bank accounts: https://www.forbes.com/sites/laurashin/2016/12/21/hackers-are-hijacking-phone-numbers-and-breaking-into-email-and-bank-accounts-how-to-protect-yourself/#6c9ce1e1360f Thank you for above link: embarrassed to admit I was totally l...
by BogleFanGal
Thu Jun 22, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: HOW MUCH active management is right for you? :(
Replies: 37
Views: 2631

Re: Vanguard: HOW MUCH active management is right for you? :(

Interesting thread, but I know I'd love to close out my taxable Wellington fund right now and move the money into existing total stock & total bond funds instead. Unfortunately one of several mistakes made early on when I didn't know enough about indexing and too painful to reverse right now for...
by BogleFanGal
Sun Jun 18, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4849

Re: Best Financial Advice from Dad (in honor of father's day)

My dad HATED unnecessary fixed costs of any kind! He felt they were a slippery slope on the road to savings and financial health. He'd always say "you can cut variable costs like eating out, vacations, one time purchases, more easily when times get tough. But once you're locked into monthly pay...
by BogleFanGal
Sat Jun 17, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 36368

Re: Regret early retirement/downsizing

As someone likely just a couple of years away from retiring, this thread has been a marvelous mix of insights and experiences. Hope others continue to share their thoughts.
by BogleFanGal
Thu Jun 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3233

Re: scary phone calls

what a bummer...just tried to add nomorobo and AT&T landlines don't support them. The never-ending calls and hangups are driving me nuts, (and I'm on both DNC state and federal) but I need a landline for business in my area. :annoyed
by BogleFanGal
Fri Jun 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: AAA Cost
Replies: 75
Views: 5066

Re: AAA Cost

I don't use their travel discounts...I've always found better ones elsewhere. But one often overlooked benefit - free notary service. This helped me out a lot years ago when I had some estate paperwork to notarize and my bank said they couldn't serve as notary because it was a specific kind of finan...
by BogleFanGal
Fri Jun 09, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 5691

Re: Opticians: is there any difference in quality of Costco glasses?

Just bumping a question from earlier in thread to see if anyone since has heard or knows someone who bought from Sam's club? :?:
We don't have a costco near us...really would love to hear experiences with Sam's or walmart, since probably same source. 8-)
by BogleFanGal
Wed Jun 07, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: How to buy another car key?
Replies: 16
Views: 1718

Re: How to buy another car key?

I priced a key fob from several dealers last year for a cheap 11 year old chevy sedan. They all wanted $250-275 for fob and programming. Whole car probably isn't worth more than a few hundred bucks. :wink: I then tried the ebay route, buying a $20 key fob from a company with a large number of postiv...
by BogleFanGal
Sun May 21, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Well-made quality handbags
Replies: 32
Views: 3114

Re: Well-made quality handbags

Had to laugh at this thread, as I have a huge problem emotionally discarding anything that has useful life left...from appliances to handbags and clothing. I've owned a Stone Mountain bag (from Stone Mountain GA, a tiny town made famous by Kenny on 30 Rock for anyone who watched that show!) for clos...
by BogleFanGal
Sun May 21, 2017 9:36 pm
Forum: Personal Consumer Issues
Topic: ebates experiences - what downsides?
Replies: 13
Views: 1157

Re: ebates experiences - what downsides?

Same here...used them for years. No issues.
by BogleFanGal
Fri May 19, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 5691

Re: Opticians: is there any difference in quality of Costco glasses?

Anyone have experience with Sam's Club for those of us without costco memberships?
by BogleFanGal
Fri May 19, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 37
Views: 5691

Re: Opticians: is there any difference in quality of Costco glasses?

I've tried single vision (computer glasses) from zenni twice and had no real problems. I'd love to save on progressives too, since they're so expensive at retail, but feel like those are a little trickier in terms of the right fit, given the 3 diff fields of vision. Still buy those from a shop with ...
by BogleFanGal
Tue May 16, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Do you tip a self-employed person or business owner?
Replies: 34
Views: 18218

Re: Do you tip a self-employed person or business owner?

Another owner-provided service where tipping is still generally included is travel excursions - private or small group tours. I'll always tip driver/guide regardless of whether he is the actual owner or a contracted employee. I'm a fairly generous tipper pretty much everywhere tipping is customary. ...
by BogleFanGal
Mon May 15, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: safest way to do a TSP60 transfer from Vanguard?
Replies: 14
Views: 1224

Re: safest way to do a TSP60 transfer from Vanguard?

So glad to hear it worked out for you! I'm having trouble on the other side - Vanguard did their part, but it'll be 2 weeks since they confirmed mailing the check and TSP60 and the amount still hasn't been credited to TSP account yet. Need to get them on the phone tomorrow to see what happened. :con...
by BogleFanGal
Wed May 10, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Employer health insurance - traditional vs. high deductible
Replies: 17
Views: 1176

Re: Employer health insurance - traditional vs. high deductible

Just as another point of reference, you may spend more time shopping around if you need bloodwork or imaging tests beyond regular annual wellness. We've been on an HDHP for years and it's worked out fairly well so far, unless our health changes (knock wood). Love the HSA! But it's just us - no kids....
by BogleFanGal
Sun May 07, 2017 11:56 am
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18685

Re: Why save so much for when you're old?

The thing I never realized in my '20s is how differently I would end up feeling just a decade or two later about that career, that job - the politics of corporate life wearing me down. About just wanting to take a long break or explore something else. My '20s self couldn't identify with burnout and ...
by BogleFanGal
Sat May 06, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: safest way to do a TSP60 transfer from Vanguard?
Replies: 14
Views: 1224

Re: safest way to do a TSP60 transfer from Vanguard?

So frustrating for you. :annoyed They sent out my check very quickly as well. The only thing I can think of that I may have done any differently is to include a signed letter of instruction requesting they complete and send enclosed TSP60 along with the check. But did it happen? :?: We will see. (On...
by BogleFanGal
Sat May 06, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: safest way to do a TSP60 transfer from Vanguard?
Replies: 14
Views: 1224

Re: safest way to do a TSP60 transfer from Vanguard?

Has anybody done this more recently that has any additional tips? I followed the exact recommended steps, which also match exactly with both the TSP's and Vanguard's instructions, and I now have some speed bumps/road blocks. The TSP has gotten my check and sent me a letter that says they did not ge...
by BogleFanGal
Wed May 03, 2017 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Fix tax inefficiency or wait? Use loss on this or against income?
Replies: 4
Views: 497

Re: Fix tax inefficiency or wait? Use loss on this or against income?

Keep in mind that Wellington's stock portfolio differs significantly from TSM. (e.g. It's overweighted in the financials sector [24.1% vs. 14.4% for the S&P], and has about 10% foreign holdings.) I'm not saying there's anything *wrong* with switching over to TSM; but know that you're changing m...
by BogleFanGal
Tue May 02, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Fix tax inefficiency or wait? Use loss on this or against income?
Replies: 4
Views: 497

Re: Fix tax inefficiency or wait? Use loss on this or against income?

David: thank you for taking so much time to draft such a thoughtful and detailed reply...it is very appreciated. You've made the options so clear and easy to understand. :sharebeer Also appreciate your cautionary note about the AA imbalance created by changing balanced fund like Wellington to a 100%...
by BogleFanGal
Tue May 02, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fix tax inefficiency or wait? Use loss on this or against income?
Replies: 4
Views: 497

Fix tax inefficiency or wait? Use loss on this or against income?

Hi all: in the midst of making positive changes these past few months thanks to all of you: simplifying portfolio/lowering AA risk. Learning so much from questions others post, applying it to my situation when I can. Have 2 questions that may be too specific – not finding advice via search bar. Hopi...
by BogleFanGal
Thu Apr 27, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

BFG, great take! Based on what you know about the deceased, sounds like you'll be fine not worrying about creditors. I'm all about paying valid debts. Many of us would probably pay a creditor even if they are a day late making the claim. But remember that executors are in charge of other people's m...
by BogleFanGal
Thu Apr 27, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

Generally liability is limited to estate assets. If executor was lazy and didn't cut off creditors and distributed out all assets, and then creditor rears its ugly head, then executor could be personally liable. If executor required beneficiaries to sign something saying they will give back portion...
by BogleFanGal
Thu Apr 27, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

It appears you don't even need a probate administration in Florida and can do a summary administration to transfer this one asset. There is no need to get the named personal representative involved and can even be done without an attorney. Gill Google "florida orange county disposition of pers...
by BogleFanGal
Thu Apr 27, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

I don't think the executor is the OP's sister. My best guess is that the OP refers to her father-in-law as "Dad" and that the OP's spouse is one of the sibling beneficiaries and is the brother of the executor. Correct on all counts. I am not a blood relative or a beneficiary...just a spou...
by BogleFanGal
Thu Apr 27, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

Please clarify - is this a trust or a will? Also you suggested that your sister might be willing to relinquish her role. If that is the case work on that singular step for her to notify the attorney. Also, it is difficult to believe that as an officer of the court the attorney hasn't given notice o...
by BogleFanGal
Thu Apr 27, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

Has the Will been probated? Has she been appointed as personal representative (the Florida term for an executor) by the court? Or has she not done anything yet? 1. No probate actions yet. Goal was to avoid originally. FIL did trust & will a few years back using attorney. But forgot to include a...
by BogleFanGal
Thu Apr 27, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

Thanks Silk and Jill! The problem isn't that we feel overwhelmed at moving forward...it's that the attorney who drew up original trust won't talk to other siblings - just to executor - who we can't light a fire under unfortunately. :annoyed I (an only child) settled two diff estates (my late parents...
by BogleFanGal
Thu Apr 27, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Re: Can a reluctant executor simply reassign the role?

Thank you both: nearing: will pull the docs to review. Wannabe: in terms of unexpected tax liability or other issues, could the remaining siblings also be held personally liable? Or is liability limited to estate assets itself and/or executor for failing to do required filings? I do know the dad had...
by BogleFanGal
Wed Apr 26, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2420

Can a reluctant executor simply reassign the role?

Does anyone know what is generally required in Florida if a sibling appointed executor decides they no longer want the role? Can they just sign a short letter of direction authorizing next sibling in line (already designated as backup executor in will) to take over? Or does the whole thing have to b...
by BogleFanGal
Sat Apr 22, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: safest way to do a TSP60 transfer from Vanguard?
Replies: 14
Views: 1224

Re: safest way to do a TSP60 transfer from Vanguard?

Thank you, everyone - appreciate the suggestions. ICM: great tips on finding the Vanguard forms, thank you. I was just going to send them the TSP60 forgetting they'd need their own paperwork completed as well (duh!) and we would have played email and VM tag stalling things even more. Delamer and ret...
by BogleFanGal
Sat Apr 22, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: safest way to do a TSP60 transfer from Vanguard?
Replies: 14
Views: 1224

safest way to do a TSP60 transfer from Vanguard?

Hi: hoping for advice on how to best execute a direct fund transfer from traditional tax-deferred Vanguard IRA (now in Total Market and Total International) to TSP G fund. Goal is move about 100k to lower our AA risk overall. Given lag time (send TSP 60 form to Vanguard; wait for its return, then se...
by BogleFanGal
Wed Apr 19, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 13210

Re: Do you have an umbrella policy?

Rates are not surprising - it's all about increased risk factors. Living in SF is added risk factor. Driving 100k cars are higher risk factors. Having a $5mil Miami mansion ripe for wining and dining guests frequently, and thus higher liability of slip/fall lawsuits on property, is a higher risk fa...
by BogleFanGal
Wed Apr 19, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3954

Re: Best cruise

My suggestion: give Celebrity a serious look. A great line for couples of all ages, wide variety of demographics, but not many kids - not even during peak seasons. And often rates that are comparable to what other lines are charging, but often include perks like beverage packages, hundreds in onboar...
by BogleFanGal
Wed Apr 19, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 13210

Re: Do you have an umbrella policy?

Wish I could get some of these low umbrella rates other people are paying...mine is $330 for only 1m and I called around - that was the cheapest and includes the discount from home/auto with same carrier. Tried to get 2m and it MORE than doubled. :shock: Unfortunately I'm in a HCOL area, one of the ...
by BogleFanGal
Sat Apr 15, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Merrill Lynch advisory fees
Replies: 22
Views: 1898

Re: Merrill Lynch advisory fees

Guess what? We were just hit with a $50 "account closing" fee when we transferred to Vanguard this year and they're refusing to refund it, claiming that's their standard policy. I could probably find that fee buried somewhere in initial paperwork, so it's likely my own fault - was jugglin...
by BogleFanGal
Fri Apr 14, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Merrill Lynch advisory fees
Replies: 22
Views: 1898

Re: Merrill Lynch advisory fees

I'm no fan of Merrill Lych - or Merrill Edge for that matter. My late FIL had a small inherited IRA (annuity)held through them. Looong story short - it was a cumbersome and error-filled process during the rollover. We had to send the same long transfer application 3 times and follow up with numerous...
by BogleFanGal
Thu Mar 23, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard keeps saying my e-mail address doesn't work
Replies: 10
Views: 838

Re: Vanguard keeps saying my e-mail address doesn't work

Happened to me 2 years ago...went on for months. Called several times. Email address was always correct. Then it suddenly stopped. Strangest thing. The ONLY thing I could think of is that I had deleted a bunch of vanguard emails without opening them (I knew what they were - just generic notification...
by BogleFanGal
Thu Mar 23, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

Thanks, Lou, PKcrafter and all others who shared advice. PKcrafter - good point on lifecycle combined with individual funds. I only did that for my husband's TSP because frankly I didn't know what to do in his account at the time. Figured 2030 was safe/easy as temp placeholder. I actually thought To...
by BogleFanGal
Thu Mar 23, 2017 6:36 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

Sometimes being lucky is a lot better than being "smart".

Haha - so true. But there was definitely some unlucky events, which I won't bore you with! I guess most of us end up with a little of both in life, right? :wink:
by BogleFanGal
Thu Mar 23, 2017 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

If you are in the 15% long term capital gains tax bracket now and will be in the same long term capital gains tax bracket in 10 years then selling the stocks later might not be a big advantage. If you can be in the 0% long term capital gains tax bracket later or you are in the 20% long term capital...
by BogleFanGal
Thu Mar 23, 2017 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

If you are planning on possible retirement in 5-8 years, then the move is recommended because you don't want to run into a bad downturn right before retirement while holding 70% in stock. For the non-equity side, use a good portion of G fund plus F fund if possible. If not enough room use another i...
by BogleFanGal
Thu Mar 23, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

mickens16 wrote:How big is the TSP in regards to the rest of the portfolio? You could shift the TSP to the G for most of your bond allocations.


Thanks Mickens16: TSP is about 6-7% of total portfolio and is invested in the 2030 fund. That could be a place to start. Wonder if G or 2020 is best bet if I did that?
by BogleFanGal
Wed Mar 22, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Re: Best way and pace to shift AA?

Thanks for your input...how quickly would you (or in renue74's case - did you) make the shift? I know that varies by individual comfort level, but I'd like a sense of how others did it. Weekly exchanges over a period of 10-12 months? Faster? A few lump sum exchanges over 1-3 months? (Retirement is a...
by BogleFanGal
Wed Mar 22, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Best way and pace to shift AA?
Replies: 14
Views: 834

Best way and pace to shift AA?

Big admirer of this site - been lurking for months. How many mistakes I could have avoided if I found you all sooner. :oops: Also know that probably every question you get has been asked repeatedly, so hoping someone can direct me to a past thread they may remember that best fits my question. (I sea...

Go to advanced search