Search found 466 matches

by Faith20879
Fri Feb 24, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: How to by municipal bonds
Replies: 4
Views: 607

Re: How to by municipal bonds

Welcome! Your question does not address "why" which I think is a much more important question than "how/where". But I digress. Don't know about your muni bond knowledge level so I am just answering in general terms. For new issues, I would imagine the best bet is to obtain the CU...
by Faith20879
Wed Feb 15, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14776

Re: Why do you go to restaurants?

- Background: northern suburb of the greater Washington DC Metro. We average 1.5 times a week for the following reasons: 1. Convenience: like grabbing a burrito at a taco bar or food truck en route to an evening program. 2. Social obligation: meeting up friends and etc., usually not of our choice. 3...
by Faith20879
Wed Feb 15, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Confusing Vanguard 1099-Div tax forms
Replies: 9
Views: 1030

Re: Confusing Vanguard 1099-Div tax forms

- We've always only received one form in the past. Like Dale, we didn't receive any email. Got the first form in January and the reported dividends did not match with my records. The second form arrived in February with the label "consolidated", I thought great now I can use this form inst...
by Faith20879
Wed Feb 15, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Confusing Vanguard 1099-Div tax forms
Replies: 9
Views: 1030

Re: Confusing Vanguard 1099-Div tax forms

-
We are in the exact same situation and are having to do our own consolidation. It is a real hassle. The second form was labeled "consolidated" which is quite a mislead. Hopefully next year will be easier.
by Faith20879
Mon Feb 13, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 101
Views: 8515

Re: How Much Cash Do You Actually Hold?

Background: age group 55-65, about 1-2 years to retirement.

We subscribe to the concept of "thin floor covering" so 15% of our investible assets are in savings bonds and laddered CDs.

edited to remove irrelevant statements.
by Faith20879
Fri Feb 10, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Evaluating Holdings?
Replies: 3
Views: 214

Re: Evaluating Holdings?

My usual go-to is the Morningstar tools. It requires login but registering is free. When you do the comparison, make sure you are comparing oranges to oranges, meaning you do need to look into the asset allocation of you fund and compare it to a fund with similar (if not identical) allocation. If yo...
by Faith20879
Fri Feb 10, 2017 10:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9136

Re: Your USER NAME...what does it mean?

You guys/gals are a hoot! I am so enjoying this thread.
by Faith20879
Fri Jan 13, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: I bond strategy
Replies: 37
Views: 2633

Re: I bond strategy

No, you must get it in paper. However, you can immediately send it to Treasury and make it electronic in your TD account. Not true. I am thinking the refund that gets deposited into the TD account and used to purchase savings bonds will be counted towards the $10,000 purchase limit. As to the paper...
by Faith20879
Wed Jan 11, 2017 12:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 117
Views: 17758

Re: Sad News About a Respected Forum Member

Dear Ole Meph,

I've learned so much from you over the years. Will miss you!

Faith
by Faith20879
Mon Nov 28, 2016 11:00 am
Forum: Personal Consumer Issues
Topic: what to do with a giant popcorn container
Replies: 19
Views: 1536

Re: what to do with a giant popcorn container

I've seen a friend converted it into a lamp base. He had two of those and they looked nice on each side of the room. He is handy with electrical things so he knew what he was doing.

We use it to store brown rice that come in 15LB bags. Works great.
by Faith20879
Mon Nov 28, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 1148

Re: Expedite Transactions through Vanguard Secure Email?

...If you use an automatic transaction to sell or exchange shares,... May I ask, is this with the pre-upgraded accounts (mutual funds only) or post? We tried to set up automatic exchanges as we did with the old accounts and were told by our VG Rep that the function is no longer supported. After you...
by Faith20879
Tue Nov 22, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Please help me sort out Aetna Rx red tape
Replies: 10
Views: 1104

Re: Please help me sort out Aetna Rx red tape

... I would bet dollars to donuts that it will not be covered at the current rate much longer. I can totally see the logic behind that. Thanks again for your insight and detailed explanations. I believe I've tried my best to stay with Crestor and now feel in peace switching to the generic. Faith
by Faith20879
Tue Nov 22, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - Newly Eligible to Upgrade
Replies: 19
Views: 2965

Re: Vanguard Brokerage - Newly Eligible to Upgrade

...Is this true even if I have permission to trade on my spouse's brokerage... I would say it depends. When my spouse upgraded I lost rights to 2 of his and retained the others. There was no obvious rule I could observe. Then, while trying to fix the accounts that I lost rights to to, I now lost ri...
by Faith20879
Thu Nov 17, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Please help me sort out Aetna Rx red tape
Replies: 10
Views: 1104

Re: Please help me sort out Aetna Rx red tape

. Much appreciated. I've learned a lot from each of your replies. Aetna has its own Rx service and $20/3mn is their quote for the generic. I was figuring if I could get $3/3mns for the brand name I may as well give it a try. ...for your doctor to appeal to your insurance company ... Aetna did mentio...
by Faith20879
Wed Nov 16, 2016 2:18 pm
Forum: Personal Consumer Issues
Topic: Please help me sort out Aetna Rx red tape
Replies: 10
Views: 1104

Re: Please help me sort out Aetna Rx red tape

Thanks for your insights. The coupon is actually a "Crestor savings card" that has "Emdeon Therapy First Plus" written on the front. The program is managed by PSKW LLC. Its fine print says " the pharmacist is to submit the claim to [insurance carrier] as primary then to Ther...
by Faith20879
Wed Nov 16, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: Please help me sort out Aetna Rx red tape
Replies: 10
Views: 1104

Please help me sort out Aetna Rx red tape

Hello fellow BHs, I am having a bit of blunder and am seeking your collaborated insights to help me figure this out. I’ve had CareFirst HMO for many years and switched to Aetna HMO midstream this year. I am on Crestor and have always used the discount coupon distributed by my PCP to get it for $3 fo...
by Faith20879
Tue Nov 08, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: VBS Upgrade and Agent Authorization
Replies: 5
Views: 568

Re: VBS Upgrade and Agent Authorization

hello oneleaf, I was wondering if you have any updates on your progress. Did you have to send in a new agent authorization form? We've just recently upgraded and received some mixed results. Before this I had full authorization to my spouse's accounts that included 1. taxable (mutual funds only) 2. ...
by Faith20879
Wed Oct 26, 2016 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Are these "claimed" investment returns realistic
Replies: 28
Views: 1742

Re: Are these "claimed" investment returns realistic

. Thank you so much for the feedback. I am composing an email to him while collecting your thoughts. Of the dozen so friends who've asked about portfolio questions, my records' been 0-x. Indexing or not is truly like a religion. I can't convert them. I can only keep reading, make notes, collect thou...
by Faith20879
Wed Oct 26, 2016 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Are these "claimed" investment returns realistic
Replies: 28
Views: 1742

Are these "claimed" investment returns realistic

Hello Fellow BHs, A friend is claiming this about his boutique Advisor: over the last 16 yrs, they outperformed the S&P 500 200 % to 89% ; 10 yrs: 117% to 102% , 5 year: 85% to 81% . No sure if this was before or after the 1%AUM. I am thinking these numbers are total and not average for the time...
by Faith20879
Tue Oct 18, 2016 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa foreign transaction fee
Replies: 37
Views: 4800

Re: Costco Visa foreign transaction fee

I have not used Citi's for international travel. Do their papers say how the charges will be listed?

For the cards I've used, different cards show their charges differently. Some shows a separate line as the exchange fee; some embeds it in the exchange rates which is not very obvious.
by Faith20879
Tue Oct 18, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Sep 2016 CPI-U is out--->contribution limits
Replies: 6
Views: 1032

Re: Sep 2016 CPI-U is out--->contribution limits

Thanks for the heads-up. Time to update those spreadsheets.
by Faith20879
Mon Oct 17, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Stubbornly Ultra conservative, Non-Boglehead Husband. What to do?
Replies: 50
Views: 6341

Re: Stubbornly Ultra conservative, Non-Boglehead Husband. What to do?

. HCE is a relative term. See def. here: https://www.irs.gov/retirement-plans/plan-participant-employee/definitions Being considered a HCE by IRS does not necessarily mean he/she makes more than you or me. I make a good living and save a fair bit, fortunately so do all my peers so I get to contribut...
by Faith20879
Fri Oct 14, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: New investor seeking advice
Replies: 4
Views: 470

Re: New investor seeking advice

Hello, Congratulations for getting such an early start. You'll do great. For your age, I am comfortable with any of Vanguard's 2045 - 2065 funds. Just promise yourself that when the markets get bad like the 2008-2009, you will not sell in panic. If your combined Modified Adjusted Gross Income is bel...
by Faith20879
Thu Oct 06, 2016 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1712

Re: Securities litigation notice

Hi Chicago60, It is comparatively speaking. I am assuming the refund would be in some ratio to the number of "victimized" shares, regardless the nature of the lawsuit. I owned thousands of shares with Janus. Without having to fill any form or paperwork, the $2 just showed up in my mail box...
by Faith20879
Wed Oct 05, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1712

Re: Securities litigation notice

Hi Copernicus, I also received the same forms. Looks like for each batch of shares involved, we'll have to provide documents. That's a lot of work. As a comparison, I didn't do any work and received a whopping $2 ($1.74 to be exact) from the Janus lawsuit (for the thousands of dollars I lost under t...
by Faith20879
Mon Oct 03, 2016 1:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 13714

Re: How Did You Become A Boglehead? What Led You Here?

I have always LBYM before I even heard of this expression. So that part is easy. My salary growth took off just a year before the dotcom. Needing to find a place to stash the cash that was fast cumulating in my checking account, I started studying fund performances on websites such as M*, FundAlarm,...
by Faith20879
Wed Sep 28, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 21
Views: 2303

Re: Help with Vanguard Management

nolesrule said makes sense. But that is still opposite to what poster boglesmind witnessed. He was distinctly using the word "settlement account".
by Faith20879
Wed Sep 28, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 21
Views: 2303

Re: Help with Vanguard Management

Hmm, there must be something missed in translation. I have an "upgraded" rollover IRA that I no longer can contribute to. Since I have the div reinvested, the settlement MM fund will always be zero. When RMD time comes and if I'm told I can't switch to "send to settlement" unless...
by Faith20879
Mon Sep 26, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: Christine's article today on RMD's...a question to bogleheads
Replies: 37
Views: 3702

Re: Christine's article today on RMD's...a question to bogleheads

Hello birdsong, I am by no means the expert on the subject of QCD as I myself am also just learning about it. There was another thread last week that may be interest to you: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=199958 And there is also the wiki: https://www.bogleheads.org/wiki/Qu...
by Faith20879
Mon Sep 19, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Did you have a Mid Life Crisis? [Consumer related]
Replies: 103
Views: 10838

Re: Did you have a Mid Life Crisis? [Consumer related]

I am right in the middle of a multi-year long crisis and can’t seem to dig myself out. It is becoming clear that the result is probably a premature retirement. Up until three years ago, I had been one of the blessed ones who really loved my job and couldn’t wait to get to work in the morning. Especi...
by Faith20879
Wed Sep 07, 2016 8:31 am
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 5880

Re: FERS retirement: Final taxes and TSP

Victoria, Thank you for the explanation. It made things clear now. And I think that's what we'll probably do too - one partial and one final. It is good to learn from who's been through this process and has marked out the potential potholes. We are very thankful for that. ChrisC, Please keep us post...
by Faith20879
Tue Sep 06, 2016 10:06 am
Forum: Personal Finance (Not Investing)
Topic: FERS retirement: Final taxes and TSP
Replies: 51
Views: 5880

Re: FERS retirement: Final taxes and TSP

Hello Victoria, You said: In a year or two, I will transfer the remaining TSP funds into a rollover IRA at Vanguard to continue the conversions. Could you elaborate a bit more, please? I learned from an old post that TSP only allows ONE partial rollover (or rollout). From your post, it sounds that y...
by Faith20879
Fri Sep 02, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Favorite Vegan Products
Replies: 57
Views: 4154

Re: Favorite Vegan Products

~~~TOFU, TOFU, TOFU~~~

Um-hum, has anyone mentioned Tofu yet? It is absolutely versatile. You can make it taste like anything you fancy.
by Faith20879
Thu Sep 01, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: What pre-paid cell phone or plan?
Replies: 31
Views: 2878

Re: What pre-paid cell phone or plan?

...just one single phone that I can use on an as-needed basis anywhere in the world (i.e., by buying a local SIM card or whatever).). Does such a "compatible everywhere" phone exist? . Not sure about the rest of the world, but I have used one unlocked GSM phone in several Asian countries ...
by Faith20879
Wed Aug 31, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a taxable account to take "shots" in the market?
Replies: 12
Views: 780

Re: Opening a taxable account to take "shots" in the market?

There is nothing wrong with it and, It also is not a new idea. This being a male dominated board, there must've been oodles of similar posts over the years. Just Google "fun money", "play money", "roulette money", or some words along that line. Most agree that it should...
by Faith20879
Thu Aug 25, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: Bonds, Aversion to Market Timing, and FIRE'ing
Replies: 28
Views: 2988

Re: Bonds, Aversion to Market Timing, and FIRE'ing

At the point when you need to withdraw money to cover expenses, if you have other resources that do not fluctuate by the markets to cover it, you may well don't need any bonds. For us, we can tolerate bond's fluctuation (-5%,5%) vs. stocks' (-30%,30%). Thus, we have a position in bonds to get us ove...
by Faith20879
Thu Aug 25, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 142
Views: 11108

Re: Favorite Restaurant Stop on Road Trips

This is such a fun thread. I enjoyed reading every response. Grow up in the Carolinas and some of the good eats that I've remembered are: . LongJohnSilver PoFolks Bojangles Shoney's Family's Now, 40 years later with a bulging middle and high Cholesterol, I'll probably not stop at any of these places.
by Faith20879
Mon Aug 22, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 8667

Re: What is your system for dealing with coins?

This: I spend them. Quarters and up go in coffee honor boxes, vending machines, and the occasional small purchase. If I have them I keep 4 pennies 2 dimes and a nickel in my wallet. These are used to avoid getting more small coins during small cash purchases. One other thing I do is to use them to b...
by Faith20879
Fri Aug 19, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Slightly Overwhelmed on Home Maintenance Issues
Replies: 45
Views: 5121

Re: Slightly Overwhelmed on Home Maintenance Issues

how do you know the trees are beyond their lifespan? Hmm, you sound like someone who really knows about trees. I, on the contrary, am a real novice. My conclusion is based purely on the input of one arborist and two tree service guys who we picked out of the Yellow Pages. You made me feel that perh...
by Faith20879
Fri Aug 19, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Slightly Overwhelmed on Home Maintenance Issues
Replies: 45
Views: 5121

Re: Slightly Overwhelmed on Home Maintenance Issues

Hi OP, Just to give you another potential data point. A house built in 2003 is relatively new. But, in case you have any mature trees nearby, taking them down could cost a bit. We have a couple of tall Spruces and Oaks that have exceeded their life and are ripe for cut-down. The estimates we've gott...
by Faith20879
Thu Aug 18, 2016 8:36 am
Forum: Investing - Theory, News & General
Topic: Automatic Vanguard brokerage account upgrades
Replies: 40
Views: 3694

Re: Forced Upgrade to Brokerage Structure

Have not upgraded yet but will definitely end up with two MM funds as well when we do. We have used TE MM as sweep account. VG sent both letters and emails warning the upcoming change and our Rep also called to explain why Government is forcing VG to switch and why the Fed MM is the new choice. We a...
by Faith20879
Wed Aug 17, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: How to Prepare for Old Age When You Don’t Have Kids
Replies: 21
Views: 3920

Re: How to Prepare for Old Age When You Don’t Have Kids

Very timely read. Thanks for the link.
by Faith20879
Tue Aug 16, 2016 8:59 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 14904

Re: SSA MANDATORY cell phone based multifactor authentication

Wow, I am pleased!

I wrote a letter to my Representative as soon as I read about it here. Somebody must've read my letter and did something about it. This is such a boost to my ego. :D

I like the MFA concept but would really like to be able to use my landline as an option.
by Faith20879
Tue Aug 16, 2016 8:48 am
Forum: Investing - Help with Personal Investments
Topic: moving my accounts to vanguard
Replies: 8
Views: 813

Re: moving my accounts to vanguard

Hello actual, Welcome! You have come to a good place to ask a very good question. The above two posters have given you some very useful info. Basically we need to know what funds you already have in your 401k so we can suggest funds that can complement those. And, ha, 1960 was a good year to be born...
by Faith20879
Mon Aug 15, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Navy Federal CU - CD special offer
Replies: 3
Views: 690

Re: Navy Federal CU - CD special offer

if you don't mind a little hassle, there was another thread a couple of weeks ago about Citibank's checking account sign up bonus - keeping $15000 balance for 90 days for $400 bonus. That's roughly equivalent to 2.70% for 3 months.
by Faith20879
Mon Aug 15, 2016 9:48 am
Forum: Investing - Help with Personal Investments
Topic: 401k conversion question
Replies: 8
Views: 476

Re: 401k conversion question

Hi, As you are already aware, there is a limit on how much you can "contribute" after-tax money to a Roth IRA. To "convert" a 401k to Roth IRA does not count to that limit. As the others already mentioned, there are basically 3 options for your old 401K : rollover to your current...
by Faith20879
Wed Jul 20, 2016 8:02 am
Forum: Personal Consumer Issues
Topic: Traveling to DC
Replies: 32
Views: 1941

Re: Traveling to DC

Bethesda is a good choice - nice, convenient and has its own hustle and bustle to keep you entertained if the Metro gets too much to bear. All museums at the mall are good but beware of the security checks at the gate. Avoid bringing any sharp objects such as pocket knifes or you might be rejected a...
by Faith20879
Wed Jul 13, 2016 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Sound bite.
Replies: 14
Views: 1193

Re: Sound bite.

Well like the other posters said, it all depends.

If his spouse is a lot younger then 65% doesn't sound that high.
by Faith20879
Wed Jun 29, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: My first smartphone
Replies: 17
Views: 2195

Re: My first smartphone

Hi Bob, I am in the same process and have two questions. Hope you don't mind me budding in. There are some knowledgeable folks here reading this thread and I would hate to pass up the opportunity. My questions are: . 1. When I was researching for the Tracfone deals, I was told that Tracfone phones a...

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