Search found 200 matches

by Church Lady
Tue Mar 21, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 215
Views: 15851

Re: gratuitous homeownership items

My house had a fish pond which was great fun for a couple years. I didn't mind caring for it, but maintaining a fish pond is an art unsuited to persons with full time jobs. It started looking like something from a horror movie! It's gone now, and I won't be getting another one. I use my full size ov...
by Church Lady
Mon Mar 20, 2017 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying $20 to E-File State Return
Replies: 75
Views: 10637

Re: Paying $20 to E-File State Return

Since I've used regular mail, I don't have any proof of anything.


So send it 'return receipt requested'. It costs less than $3 to do so.
by Church Lady
Sun Mar 19, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Valspar mix Reserve and Optimus
Replies: 2
Views: 226

Valspar mix Reserve and Optimus

I notice Ace hardware has sale on Valspar Optimus, buy 2 get 1. I started my project with Valpar Reserve. What are the implications of switching to another grade? Should I do it?
by Church Lady
Mon Mar 06, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 3395

Re: At what age did you drop life and disability insurance?

I thought about dropping disability last year. Money coach (an employee benefit) said the policy was so cheap, I should hold on to it. I get great group rates and doubt the advice would be the same if I were paying full price. YMMV.
by Church Lady
Mon Mar 06, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Getting old and need advice on retirement goal & planning
Replies: 17
Views: 1558

Re: Getting old and need advice on retirement goal & planning

least $120k to spend monthly


Do you really mean monthly? That, and bumping your question to the top of the list.
by Church Lady
Fri Mar 03, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 94
Views: 4877

Re: When & how much to donate?

Anonymous giving: My employer sponsors a charitable giving campaign which I can donate to through payroll deduction. I have been doing this over 30 years. As far as I can tell, my name has never been sold to anyone by this charitable campaign. We have a week long campaign at work every year, but I n...
by Church Lady
Fri Feb 24, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 7882

Re: BH thoughts on Time shares

To the OP, whose question is getting lost in the shuffle ... Even with absolute certainty that you will refuse the timeshare, the free stuff is not a good deal. If I fly myself to Cancun or Hawaii or Orlando, my cost per hour of just being there is pretty high. Think a minute about air fare, lodging...
by Church Lady
Wed Feb 15, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3766

Re: How do you handle switching your handbag?

Like GerryL, I really like Baggallinis. I have several of them in a size that will fit into a large purse , but can also be worn cross body if I'm shopping or just walking around. There is room for all my credit cards, ID, lip gloss, Chapstick, medical cards, some cash, and I can fit my phone and k...
by Church Lady
Wed Feb 15, 2017 1:54 am
Forum: Investing - Theory, News & General
Topic: Planning for Retirement: Why do it the recommended way?
Replies: 26
Views: 2631

Re: Planning for Retirement: Why do it the recommended way?

Also, one reason to fund a Roth instead of a 401k is because a Roth can double as an emergency fund during the early part of your accumulation phase, since you can withdraw the principal without penalty or taxes (one would hope you don't have to withdraw these funds, of course). So Roth investment ...
by Church Lady
Wed Feb 15, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 3766

Re: How do you handle switching your handbag?

I would not say you are lazy; just practical. I have to store my bags, and that's a nuisance. Because I am well supplied with hand bags, I rotate them with the seasons. I switched out of my Christmas bag into a leather hand bag for Winter. When Spring comes, I'll probably swap the leather one for so...
by Church Lady
Wed Feb 15, 2017 12:34 am
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 8941

Re: -$280k Net Worth Has Me Up At Night

" we currently save 26% of post-tax income. " To help you sleep better ,start applying some of "that " to This :mrgreen: "Debt: Rental Property: $71,000 remaining @ 3.875% (earning $380/month from rental income; $59k in equity) Primary residence: $169,000 remaining @ 3.875%...
by Church Lady
Tue Feb 14, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 23
Views: 2282

Re: Scary bed bug addendum on lease - should I walk away?

Before doing anything, I would call around and find out if this addendum is common in your area. If it is, you may have no choice.
by Church Lady
Fri Jan 27, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How Do You Pay Your Monthly Bills?
Replies: 42
Views: 3662

Re: How Do You Pay Your Monthly Bills?

Recently, I had five checks stolen from a US Post Box, copied, repurposed and cashed at the bank of origin. Two of those checks were written to my credit card companies to pay monthly bills so those credit card accounts were also compromised. It sounds like your outgoing mail was stolen. From what?...
by Church Lady
Mon Jan 16, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

When you hear people saying returns are likely going to be low due to high valuations they are talking real returns, that is returns above inflation. Historical in the US is about 6% or 7%, plus inflation. P/E10 is now about 28 which the P/E10 folks tend to turn into a real return estimate of about...
by Church Lady
Sun Jan 15, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

Hi, @The Wizard,
Actually, I believe our thinking is similar. I want to know how much I can spend, rather than try to forecast the unpredictable. Hence my use of FIRECalc, CFIRESIM, and I-ORP. My problem here is that the calculators give different results.
by Church Lady
Sun Jan 15, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18753

Re: Fidelity free Turbotax

Today, the free link appeared on my Summary tab. :D :D :D I didn't notice it there Friday. I'm not a private client, nor do I have $1M in my taxable account. I do have retirement accounts at Fidelity, and I am in the Active Trader Group. I barely transacted in 2016. Once an Active Trader, always an ...
by Church Lady
Wed Jan 11, 2017 2:02 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2849

Re: Anyone else having trouble with unrequested CVS auto-refills?

I suddenly started getting phone-stalked by CVS asking me for refills, auto-refills, calling my doctor for refills, you name it. I thought it was just me, but I see they have a problem. I'll try to cancel my auto-fill service. I find it confusing when prescriptions magically appear for no reason.
by Church Lady
Wed Jan 11, 2017 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

As to the i whatever simulation I suspect the problem is you assumed that stocks will return 5% and bonds 2%. I am guessing that is nominal in which case that is very pessimistic. Hi @Rodc, You are right, it is nominal. I hear a lot of chatter on this forum about how stocks and bonds are overvalued...
by Church Lady
Wed Jan 11, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

Hi, @The Wizard, Thanks for responding! Your premise seems a little wrong, but I'll play along to learn something new. I'm looking forward to the discussion. :D Last year I made about 100,000, and I saved 8,100. Before you faint and scream YOU'LL WORK 'TIL YOU DROP!!!: 1) The 8100 is net of 401K/Rot...
by Church Lady
Tue Jan 10, 2017 3:26 am
Forum: Investing - Help with Personal Investments
Topic: To those with a pension...
Replies: 52
Views: 6581

Re: To those with a pension...

I will receive a modest, non COLA pension. a) No, I just saved what I could. My pension was frozen years ago, so I'm glad I did not count on it. It will help me bridge to Social Security, but over time it will lose value to inflation. b) You're overthinking. If you need (for example) 40,000 a year a...
by Church Lady
Tue Jan 10, 2017 3:04 am
Forum: Personal Consumer Issues
Topic: The funk - gym clothes
Replies: 46
Views: 4083

Re: The funk - gym clothes

Try a shot of Febreeze, or a shot of Odo-ban, on the problem 'zones' a few minutes before washing. You can also add these products to the wash. Check the labels for information. Try pre-soaking in Borax (20 Mule Team), and add the soak water to the washing machine with the clothes. Try an enzymatic ...
by Church Lady
Tue Jan 10, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

@celia, thanks for your concern. I downloaded a tool from the SSA called 'AnyPIA' to calculate these numbers. You have to enter your actual earnings history by hand, and I won't say the interface is intuitive or user friendly. Steep learning curve! It does let you project earnings of zero for those ...
by Church Lady
Tue Jan 10, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

You say SWR at 3%, but if you need to pull out an extra $30k or so plus post SS income how does that effect things? (If you want $78K that is $50K after pension, and have $30 from SS you need investment income of $20K after SS, but $50K before SS). Is that 3% when you are pulling out $20K or when y...
by Church Lady
Mon Jan 09, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

Can you wait to take retirement until 65 or something and have it go up nicely like SS @Rodc, if by 'it' you mean my pension, no. My pension was frozen in the late 90s. It goes up slightly each month because some notional sum in my employer's ledger is divided by fewer months of payout. If you are ...
by Church Lady
Mon Jan 09, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Re: Daring to figure it out for myself: Dare I retire this year?

@livesoft, Great point. The COBRA premium comes from the HR website. It has an option to display COBRA premiums and health premiums for retirees. So, yes, the COBRA premium is a lot more expensive than what active employees pay, but I'm pretty sure it's the amount I would pay. At least, it is the ri...
by Church Lady
Mon Jan 09, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5403

Daring to figure it out for myself: Dare I retire this year?

Happy 2017, Bogleheads! I'm hoping to retire early this year, and am wondering if my plan is realistic. Here are the facts: Age in 2017: 58 now. 59 1/2 by year end. end of (ahem) plan: 100. Age 100 is a Jane Bryant Quinn suggestion. Frankly, I'll be astonished if I live to 80. Pension: about 28,000/...
by Church Lady
Mon Jan 09, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 884

Re: Do you avoid aggregators? Best expense tracker for manual entry?

I used to be a Q-head (obsessive user of Quicken), but gave it up when my new computer would not read my old computer's Quicken file. :mad: :mad: Never again! Even if the computer transfer had worked, entering ALL expenses into the computer is very labor intensive, and why would you do it if you wer...
by Church Lady
Thu Jan 05, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund - PTTRX - any better ones under Fidelity?
Replies: 21
Views: 1186

Re: Bond fund - PTTRX - any better ones under Fidelity?

https://www.fidelity.com/fund-screener/evaluator.shtml#!&ft=TBND_GI%2CTBND_GL%2CTBND_GS%2CTBND_IP%2CTBND_CI%2CTBND_CL%2CTBND_CS%2CTBND_UB&ntf=Y&expand=%24FundType&exp=1%2C2&aMt=0%2C7&aDt=LS5 Try Fidelity's screener. You can screen for many characteristics, including expenses...
by Church Lady
Tue Jan 03, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Thoughts on this inverse living floor plan and building a home in general
Replies: 30
Views: 2389

Re: Thoughts on this inverse living floor plan and building a home in general

A friend had a very nice, well constructed luxury apartment right over the building's parking garage. Every time someone started their car, she experienced an 'earthquake'. The rumbling sounded like the building was going to crumble around us, never mind the very noticeable shaking. I don't know how...
by Church Lady
Tue Jan 03, 2017 12:42 am
Forum: Personal Finance (Not Investing)
Topic: So how long do I hold onto the basis of this stock?
Replies: 6
Views: 647

Re: So how long do I hold onto the basis of this stock?

Thanks, responders! If you can't print, you could export to Excel/CSV, or install a printer driver to print the records to PDF and then keep the PDF on your real computer (or print it from your real computer). I'll try the idea of writing a PDF or CSV to a diskette. I'll have to investigate to see w...
by Church Lady
Mon Jan 02, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 87
Views: 5399

Re: What inflation rate do you use for your planning?

This discussion is timely for me as I am using I-ORP to run some retirement scenarios. This tool requires users to peer into the crystal ball and tell it what inflation will be over the 30 or 40 years of your retirement. Other such tools have a similar annoying requirement. If I knew the answer to t...
by Church Lady
Mon Jan 02, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: So how long do I hold onto the basis of this stock?
Replies: 6
Views: 647

So how long do I hold onto the basis of this stock?

Happy New Year, folks! Years ago, I used to purchase Megacorp stock through an employee purchase plan. Each week, they'd deduct money to purchase fractional shares of Megacorp. These transactions were spread out over years. I re-invested dividends into more shares of Megacorp. This resulted in the p...
by Church Lady
Fri Dec 30, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: Well made woman's shoe?
Replies: 40
Views: 4563

Re: Well made woman's shoe?

https://sasshoes.com/ +1 for SAS shoes. Not only does SAS make the narrow shoe width, they make a narrower narrow called "slender". The salesmen seemed to know their product line quite well. They have always been very helpful when I have described what I am looking for. http://us.shop.ecc...
by Church Lady
Sat Dec 24, 2016 9:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7446

Re: My Christmas Gift to You.

Thanks for the gift and Merry Christmas!
by Church Lady
Sat Dec 24, 2016 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: pls help me decide re mortgage recast - Provident Funding
Replies: 3
Views: 660

Re: pls help me decide re mortgage recast - Provident Funding

I would say you've got a great interest rate on that mortgage. Can you put the money elsewhere for a better return? I wouldn't be in a hurry to pay it off, but that's me in my financial situation. You haven't provided any details of your situation, so we can't say what is good for you. Can you refin...
by Church Lady
Thu Dec 22, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Is it rude to dispose of unwanted gifts?
Replies: 60
Views: 5434

Re: Is it rude to dispose of unwanted gifts?

I wish people would stop using this sort of language. It has to be really, really bad to rise to the level of "mental illness". I suppose "emotional issue" could be a mild enough term, if you consider pretty much everything anybody ever does as an "emotional issue". Ot...
by Church Lady
Tue Dec 20, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18753

Re: Fidelity free Turbotax

I had the offer last year, but not this year. I am in the Active Trader group, although I wouldn't call myself an active trader. I have tried Firefox after clearing cookies and cache, and I have tried IE 11 after clearing cookies and 'web site data', and I am not seeing the offer. When I log in, I l...
by Church Lady
Sat Dec 17, 2016 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting muni bonds - are you still moving back?
Replies: 19
Views: 1334

Re: Tax loss harvesting muni bonds - are you still moving back?

I harvested losses on VG LTD term tax exempt. I will *probably* go back in, in 31 days. Right now, the funds are parked in money markets but I will probably swap into a different bond fund after distributions. I'm curious to see what folks are tax-swapping into, and whether it's a forever swap or a ...
by Church Lady
Sat Dec 17, 2016 2:26 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Mega-bucks for health care
Replies: 5
Views: 939

Daring to figure it out for myself: Mega-bucks for health care

Hello, Bogleheads! As a Megacorp employee, I have accumulated about $37K :moneybag in notional dollars (Mega-bucks) in a Megacorp account. I am not allowed to touch this account until I retire. Until that time, and for as long as I have Mega-bucks in the account, the account earns interest at about ...
by Church Lady
Wed Dec 14, 2016 12:49 am
Forum: Investing - Help with Personal Investments
Topic: Whoops - I bought the distribution, should I sell asap and wait two weeks?
Replies: 11
Views: 1765

Re: Whoops - I bought the distribution, should I sell asap and wait two weeks?

@GMan82, @Expro, caution caution caution :!: VTSAX is a mutual fund, not an ETF. Vanguard ETFs follow the same pattern for ex dividend dates as the ETF FNDC. Vanguard mutual funds seem to be following a different pattern. On this web page: https://investor.vanguard.com/mutual-funds/list#/mutual-fund...
by Church Lady
Tue Dec 13, 2016 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Whoops - I bought the distribution, should I sell asap and wait two weeks?
Replies: 11
Views: 1765

Re: Whoops - I bought the distribution, should I sell asap and wait two weeks?

The record date is 12/21. So if I sold on 12/15 then is it 3 business days after the trade date? So that means the 16th, 19th and 20th (which gets me out before the record date). So really then I have 2 days before I have to make the decision. Yes. one only needs to look at ex-dividend date and mak...
by Church Lady
Tue Dec 13, 2016 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Whoops - I bought the distribution, should I sell asap and wait two weeks?
Replies: 11
Views: 1765

Re: Whoops - I bought the distribution, should I sell asap and wait two weeks?

What is the amount of the distribution? Is the tax impact significant (pushes you into higher bracket, disqualifies you for tax credits, that sort of thing)? It's wasteful to buy the distribution, but if the tax impact is low, I wouldn't worry about it. I'm not saying sell, and I'm not saying don't ...
by Church Lady
Sun Dec 11, 2016 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: That second bank
Replies: 14
Views: 1898

Re: That second bank

The three main advantages of having a local bank are 1) ability to deposit/withdraw large sums of cash; 2) safety deposit boxes; 3) signature guarantees. You indicated you don't really care about #2 and #3--not clear about #1 Actually, I would be interested in 2 and 3. I was merely indicating my CU...
by Church Lady
Sun Dec 11, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Age to Take Social Security: The Ideal and the Reality
Replies: 83
Views: 12431

Re: Age to Take Social Security: The Ideal and the Reality

One of my friends sure doesn't need Social Security, but just filed at age 62 to 'lock it in' and make it harder for the government to take it from her. When she announced her rationale for filing, a lot of friends seated at the table nodded sagely in agreement. That, I think, goes a long way to exp...
by Church Lady
Sun Dec 11, 2016 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Placing a market order over the weekend
Replies: 18
Views: 1803

Re: Placing a market order over the weekend

will the order simply be rejected at the start of the trading session due to a gap up situation? No, market order means buy at the market price, NO MATTER WHAT THE MARKET PRICE IS. :!: You would have three days to settle. Supposing you have a cash account and not a margin account, if you are low on...
by Church Lady
Sat Dec 10, 2016 4:36 am
Forum: Personal Finance (Not Investing)
Topic: That second bank
Replies: 14
Views: 1898

That second bank

Hello, All. I have been banking with my credit union for nearly 30 years. That, and a couple of money markets at Vanguard which receive my direct deposit paychecks. It has worked well, and I am content with the ATM network. The branch is super convenient because it is on the first floor of the offic...
by Church Lady
Fri Dec 09, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 132
Views: 18753

Re: Fidelity free Turbotax

I just logged into Fidelity to see whether they have updated the Turbotax offer.

I checked the pulldown menu under "Guidance & Retirement", and ... no Taxes page!


Did I screw up the navigation to the Taxes page, or is it really gone?
by Church Lady
Thu Dec 08, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 9411

Re: McDonald's Stock

McDonalds has had well publicized battles with its franchisees over menu size. The franchise continues to expand the menu which confuses customers, lengthens ordering time and reduces revenue. Franchisees have asked for years for a smaller menu. I think this lack of awareness and support on the par...

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