Search found 103 matches

by BogleFanGal
Fri Dec 15, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 15
Views: 749

Re: TSP 401k Contribution Question

Thanks again everyone. Unfortunately, I have no direct access to an HR person from the agency I can speak with: it's my DH's workplace. That location must contact a nearby facility where HR is based - there is no HR person onsite. It always seems to be a delay getting help/info - and half the time, ...
by BogleFanGal
Fri Dec 15, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4031

Re: I am buying a car: Most/Least Reliable Makes?

Count me as another disappointed Toyota owner. My 2004 camry was regularly maintained. Thought I'd be a true boglehead and drive it till 150-175k. But alas, at 114k, transmission is failing - and cost in my area for a rebuilt is at least 50% more than value of car. (And that's after I had to replac...
by BogleFanGal
Sat Dec 09, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: I am buying a car: Most/Least Reliable Makes?
Replies: 70
Views: 4031

Re: I am buying a car: Most/Least Reliable Makes?

Count me as another disappointed Toyota owner. My 2004 camry was regularly maintained. Thought I'd be a true boglehead and drive it till 150-175k. But alas, at 114k, transmission is failing - and cost in my area for a rebuilt is at least 50% more than value of car. (And that's after I had to replace...
by BogleFanGal
Sat Dec 09, 2017 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 15
Views: 749

Re: TSP 401k Contribution Question

Thank you everyone. I have copies of both the 2017 and 2018 pay period calendars - 26 pay periods each, but both bleed into 1st week of the following year. If I just followed Ignis' advice and set it up for $712 starting with pay period #1: " $712/pp for 2018 so that it will max out on your last pay...
by BogleFanGal
Sat Dec 09, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: TSP 401k Contribution Question
Replies: 15
Views: 749

TSP 401k Contribution Question

Hoping someone familiar with TSP contributions can answer this. Tried emailing TSP and they told us to ask our agency. Our agency told us to ask TSP. Sooo...here I am. :oops: - I want to max allowable 2018 401k contributions (18,500). - Last bi-weekly pay period of 2017 doesn't end until Jan 6, 2018...
by BogleFanGal
Sat Nov 18, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4027

Re: 2018 FEHB HDHP Recommendations

Has anyone here switched from one HDHP to another: if so, any glitches when your HSA account moved to the new provider? Reviewing this thread, it seems GEHA may be better than Aetna overall, but my only hesitation is any hassles the change in HSA - right now, it's 1/2 cash, 1/2 Vanguard Conservative...
by BogleFanGal
Wed Nov 15, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4027

Re: 2018 FEHB HDHP Recommendations

I’m also thinking of signing up for the GEHA HDHP with HSA. Does HSABank have a list of the available investment funds that GEHA members can invest in for free on its site somewhere? I looked but could not find a list. It’s on the TD Ameritrade site. Search for ‘commission free ETF list’. When I se...
by BogleFanGal
Mon Nov 13, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 FEHB HDHP Recommendations
Replies: 49
Views: 4027

Re: 2018 FEHB HDHP Recommendations

And to piggyback on thread, hopefully without sidetracking it, any insights re: if these options are better than Aetna's HDHP? We've been on that one 8 yrs. I review options every year, but always end up staying w/Aetna. They seem to have a lower catastrophic out of pocket total, although higher on ...
by BogleFanGal
Tue Nov 07, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals/Holiday Gift Ideas
Replies: 57
Views: 7734

Re: Black Friday Deals/Holiday Gift Ideas

Glad to see some others struggling with this whole gift tradition too. I've suggested a gift exchange or gift exchange to DH's family vs buying for everyone...or a "pick your favorite cause/charity" or a gift limit. No go. So to keep the family peace, I go along. They're all good people and gifts ar...
by BogleFanGal
Tue Oct 10, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: cash and landlines in disasters
Replies: 21
Views: 2500

Re: cash and landlines in disasters

I always believed a landline was critical during disasters - when everyone else I knew cut the cord a long time ago. And it used to be true - you could always depend on the landline no matter what - it stayed on thru hurricanes, tornados, you name it. It was the Ever-ready Bunny of disaster recovery...
by BogleFanGal
Tue Oct 10, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Worth moving existing i401k from Vanguard elsewhere?
Replies: 9
Views: 609

Re: Worth moving existing i401k from Vanguard elsewhere?

Thanks to everyone for your input and suggestions. Interesting that life strategy and other blended funds have a slightly lower ER than the plain vanilla total bond fund. May explore Schwab - know very little about what they offer. Fidelity seems to be recommended so often on the boards and their bo...
by BogleFanGal
Tue Oct 10, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 15817

Re: [Boglehead vs Mr Money Mustache philosophies]

It also seems more people on BH are cautious, pessimistic...worriers - however one labels it...and thus feel a bigger stash is needed to counter all those horrible black swan-like events: (A) dementia for 10+ years or other life altering health issues (B) prolonged market crash of epic proportions, ...
by BogleFanGal
Mon Oct 09, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Worth moving existing i401k from Vanguard elsewhere?
Replies: 9
Views: 609

Worth moving existing i401k from Vanguard elsewhere?

Have an existing i401k at Vanguard for last 8 yrs- at the time, easiest/most convenient to keep where my other investments are. The lack of admiral funds always bothered me, but not enough to switch. Now that I've shifted from mostly equities to bonds (as part of an intentional downshift in AA close...
by BogleFanGal
Mon Oct 02, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: What will happen if I refuse to pay a medical bill?
Replies: 125
Views: 7968

Re: What will happen if I refuse to pay a medical bill?

So what happens if it's an emergency situation - ambulance takes you to out of network hospital - or hospital is in network, but ER or intensive care teams aren't and you're not physically able to request "in network"? Are you stuck paying out of pocket for everything?
by BogleFanGal
Wed Sep 27, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: High end cruising suggestions.
Replies: 26
Views: 2984

Re: High end cruising suggestions.

I only cruise in regular balconies, but after extensive research on the lines, chose Celebrity and have sailed with them 4x since - specifically because they feel a bit more sophisticated than the other mass lines. They treat suite customers exceedingly well from what I understand- lots of value for...
by BogleFanGal
Sun Sep 24, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 26575

Re: Calling out the not so rich bogleheads

In threads similar to this one, I've seen the suggestion by BH posters to explore Mr. Money Mustache for those who feel intimidated. I hadn't heard of it prior to joining here and checked it out, finding a lot I liked. (Although those people put me to shame savings-wise! I feel like a lazy spendthri...
by BogleFanGal
Sun Sep 24, 2017 7:20 am
Forum: Personal Consumer Issues
Topic: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?
Replies: 125
Views: 8931

Re: The Expert's Dilemma - How can I know I'm getting a good physician without being one myself?

Do PCPs who recommend a specific specialist ever receive financial incentives to do so?
by BogleFanGal
Fri Sep 22, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: 1099 employees how do you mentally handle taking time off?
Replies: 25
Views: 1471

Re: 1099 employees how do you mentally handle taking time off?

Totally understand - been 1099 for 12+ years. Lived and breathed the "make hay while sun shines" - especially since I'm nearing retirement - that sun is a lot closer to sunset than it used to be! I used to take very little time off and even pushed myself to do extra gigs on weekends to bank more cas...
by BogleFanGal
Sun Sep 17, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 13694

Re: Florida Hurricanes: When and where to go?

While I agree with everything above, for most non-retired people, it's not feasible. The problem is that during the height of a very active storm season (Aug-Oct), there could be quite a few named storms potentially approaching florida 4-6 days in advance - and luckily most veer off. Driving to anot...
by BogleFanGal
Mon Sep 11, 2017 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?
Replies: 31
Views: 3938

Re: Equifax fiasco - how can we protect ourselves from potential fraudulent tax returns filed on our behalf?

I tried to get a PIN two years ago (FL resident) but was in ble to get it and was told by my CPA that it was most likely because I had frozen my credit. I did not want to unfreeze my credit for the Irs so did not end up getting the pin. Wondering if anyone has been able to get a PIN with their cred...
by BogleFanGal
Tue Aug 29, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: My experience with buying from Hertz
Replies: 15
Views: 2477

Re: My experience with buying from Hertz

Thank you for paying it fwd - I'll likely be buying a Mazda 3 as well and it was great reading the experiences of someone else who did. I only wish Hertz had higher trim levels in their inventory...some of the options important to me like a sunroof aren't offered on any of the rental models. Trim le...
by BogleFanGal
Sat Aug 26, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Original OP here - just wanted to jump back in to thank everyone for your generous input. Great to hear from other owners to give me some perspective. Long story short - paid a fortun e - adding up everything from the initial checkup to the extra unplanned cardiologist consult and specialized imagi...
by BogleFanGal
Sat Aug 26, 2017 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 7128

Re: Retirement anxiety- emotionally and financially

We are at the same ages. We have a smaller portfolio and probably smaller expenses. We have been experiencing similar retirement anxiety. I just want to say that you are not alone. Same here...lots of anxiety and back & forth. Early '50s: financially we can retire right now. But my spouse is just 3...
by BogleFanGal
Sat Aug 26, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Original OP here - just wanted to jump back in to thank everyone for your generous input. Great to hear from other owners to give me some perspective. Long story short - paid a fortun e - adding up everything from the initial checkup to the extra unplanned cardiologist consult and specialized imagin...
by BogleFanGal
Mon Aug 21, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

OP, If you're still wondering for future reference, here's what I paid today for my cat's dental treatment. (Turned out to be 3 teeth instead of just 1 that needed to be extracted). Cleaned & Polish Teeth-$71.50 Pre-Anesthetic Blood Prof +CBC-$99.50 Isoflurane Anesthesia<40# First Hour-$195.90 Anes...
by BogleFanGal
Sun Aug 20, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 3139

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I dislike movie theaters for all the reasons mentioned, but will make an exception 1-2x year for certain movies that really beg for a big screen like Guardians of the Galaxy or a new Star Trek. Those to me just aren't the same on a smaller screen. We just make sure to go during off times - people's ...
by BogleFanGal
Sun Aug 20, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 2100

Re: Dental Insurance/Costs

+1 bberris DH was referred for a dental implant a few years ago. It was estimated to cost $2500. Final cost was over $10K with two hospitalizations. Two friends of ours had similar issues. IMHO dental implants are not ready for prime time, and I'd avoid them for a few more years. Hospitalizations f...
by BogleFanGal
Sun Aug 20, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance/Costs
Replies: 25
Views: 2100

Re: Dental Insurance/Costs

There are a few plans that are costly, but coverage is much higher - like Met life High plan. It's overkill for most people (those with a few fillings, maybe one root canal). But for the dentally cursed (like me) whose dental problems are lifelong and never ending, it has a very high cap that covers...
by BogleFanGal
Sun Aug 20, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: sheets for older, thinner mattresses?
Replies: 13
Views: 1155

Re: sheets for older, thinner mattresses?

Thanks everyone! Will check out these recommendations. :thumbsup
by BogleFanGal
Sat Aug 19, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: sheets for older, thinner mattresses?
Replies: 13
Views: 1155

sheets for older, thinner mattresses?

Does anyone have an older mattress (like 15-20+ years old)? I cannot find sheets to fit ours - I've bought from dept stores, discount stores, bed/bath stores and returned or tossed them. They all seem to be made for today's much thicker mattresses and end up way too big and slip around - even ones w...
by BogleFanGal
Fri Aug 18, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 17056

Re: Jobs that pay over $100,000

Another option is marry someone else who works. Then they only need to make 50k each. This was my first thought! Many happy, well-adjusted families include two working professionals and 60/75k each totaling a healthy 6 figure household income isn't nearly as tough to achieve as one person under pre...
by BogleFanGal
Thu Aug 17, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: Other people's perception of your finances
Replies: 73
Views: 4401

Re: Other people's perception of your finances

Interesting that you comment on helping with dishes and such. Nope. The first guests, very little. But the second guests - not once. No help with prep, no help with cleanup. I felt like a waitress. Again, I feel terrible for saying these things, but its true. And I don't want to feel this way about...
by BogleFanGal
Tue Aug 15, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 9521

Re: Is $9000 too much for a sectional sofa ?

I'd definitely go with Pottery Barn or another quality, but reasonable option -- then splurge with that money I saved on a signature piece of art I fell in love with or that meant something special to me emotionally vs spending it on something I'm sitting on. Bonus: a gorgeous art piece is far more ...
by BogleFanGal
Fri Aug 11, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: Advice on picking a dentist
Replies: 19
Views: 1866

Re: Advice on picking a dentist

Someone recently suggested in another thread to ask a specialist in your neighborhood for a referral because the see the work of many general dentists on a regular basis. I second that suggestion. This advice is gold and I wished someone would have advised me to do that. I have had nothing but prob...
by BogleFanGal
Wed Aug 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

OP, I would be curious how (out of all the cars out there) you landed on Mazda3 and Buick Verano? Those 2 do not even seem to be in the same category. Small vs Mid sized.The Mazda3 will be sportier. You can translate that to "fun" or to "harsh ride, feel every bump". I assume the Buick will ride be...
by BogleFanGal
Tue Aug 08, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Thanks again everyone - so many more responses than I expected. :happy Looong story short: biting the bullet on this one and sticking w/current hospital. I'm quite certain we're paying way more than we would or should in my area - geez, I'm paying more than you guys in VHCOLs. :shock: And I don't ha...
by BogleFanGal
Tue Aug 08, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Thank you Lakeparty for your post and everyone else as well...very helpful to hear about other people's experiences. I am so grateful for this forum! I'll update thread later. I just discovered something disturbing by accident when I called their office, and if it's true, is likely a deal breaker th...
by BogleFanGal
Tue Aug 08, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Is there a reason the surgery must be done tomorrow? If not, I would postpone it for a week. I think 2k is high, but it's hard to know without seeing what the estimate includes. ...I also use this vet and one other for second opinions, which for teeth involve a visual exam and then an estimate, so ...
by BogleFanGal
Tue Aug 08, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

The per tooth cost and anesthesia is actually in line with what another poster mentioned. But I am seeing a ton of items line listed separately. Maybe my cat is a more complex case. I see D Extraction nerve block $160, anti-pain injections, a bunch of pre-op workup stuff which I understand needing-...
by BogleFanGal
Tue Aug 08, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Is there a reason the surgery must be done tomorrow? If not, I would postpone it for a week. I think 2k is high, but it's hard to know without seeing what the estimate includes. ...I also use this vet and one other for second opinions, which for teeth involve a visual exam and then an estimate, so ...
by BogleFanGal
Tue Aug 08, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

Thanks all...truly appreciate the quick responses. Surgery is tomorrow and as I mentioned, tried getting a sense from a couple of other places, but no one would talk to me without in-person exams. She's a very nervous cat and I just can't put her thru multiple exams and surgery on top of that. I fee...
by BogleFanGal
Tue Aug 08, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Re: Any veterinarians that can quickly weigh in re: estimate?

TomatoTomahto wrote:Not a vet, but had 2 cats with quite a few extractions in a HCOL area and a pricey vet. I don't remember the exact cost, but it was less than $2k total for both cats.
Thanks for your quick response! Could you tell me how long ago that was? A year? 5 years?
by BogleFanGal
Tue Aug 08, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

Thanks everyone...appreciate all your comments. :beer
by BogleFanGal
Tue Aug 08, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4149

Any veterinarians that can quickly weigh in re: estimate?

Hi all: received an estimate from our vet for my 13 year old cat - she has an infection and needs 2 "triple root moderate" teeth extracted - $2k total. She's been going to this office her whole life - along with our other cat. I'm happy with their care. Not looking for cheapest price in town...or sh...
by BogleFanGal
Mon Aug 07, 2017 9:35 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

We looked at the Mazda 3 when we were buying a car for our daughter to take to college. I vetoed it because it was too fun. Seriously, our criteria were safe, boring, fuel efficient and decent cargo space for apartment moves. She has an Elantra, which is boring and fine. Then, after 22 years and 38...
by BogleFanGal
Mon Aug 07, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

I have a 2015 stick shift Mazda3 hatchback. Love it. I bought the Touring model and had aftermarket heated seats installed. It's my first non-German car -- I've always owned BMWs, VW or MINIs, and the first new car I've ever bought. It was the closest car I could find that mimicked the handling of ...
by BogleFanGal
Mon Aug 07, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

I'm leaning towards the Mazda, only because of all the negative comments on the Verano's base engine. Why if you didn't notice an issue in your test driving? Just so many passionate raves about the Mazda. I'm seeing some good owner reviews for the V, including high praise on quiet interior...most p...
by BogleFanGal
Mon Aug 07, 2017 6:50 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

sport wrote:I owned a Buick... once. There will never be a twice.
That's how I feel about our Malibu. But that's way too long a story that no one really wants to hear.
by BogleFanGal
Mon Aug 07, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

I have a 2012 Mazda 3 iTouring hatch (another manual) with 60,000 miles and no issues. I love the car, and I have the miles behind the wheel of its twin Ford Focus to confirm that the Zoom Zoom is real. I've never driven a Buick, though, so unfortunately I can't comment on that. Thanks - I really a...
by BogleFanGal
Mon Aug 07, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Question for Buick Verano (non turbo) or Mazda3 owners
Replies: 35
Views: 2013

Re: Question for Buick Verano (non turbo) or Mazda3 owners

My wife has a 2014 Mazda 3 Grand Touring. Bought it new and have 60k miles. Zero problems so far. Really love the car, everything just works so well together, it seems greater than the sum of its parts. It has the auto transmission, it is the first auto I've ever used that I enjoyed, I often keep i...