Search found 428 matches

by Faith20879
Mon Aug 22, 2016 9:35 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 99
Views: 4945

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: 4449

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: 4449

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 - Help with Personal Investments
Topic: Forced Upgrade to Brokerage Structure
Replies: 5
Views: 692

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: 3491

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Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]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: 13005

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: 723

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: 608

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: 405

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: 1744

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: 989

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: 2067

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...
by Faith20879
Mon Jun 20, 2016 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 780

Re: Bill Pay to charitable organizations

Interesting I just had the same exact question for my bank rep last week. My situation was slightly different but mostly similar. I have an auto-pay to this organization on a fixed interval via my bank's bill-pay. I also periodically send extra to the same place on an irregular basis via the same ba...
by Faith20879
Wed Jun 08, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Why should FEHB members buy Medicare Part B?
Replies: 83
Views: 5729

Re: Why should FEHB members buy Medicare Part B?

We also just went through this exercise recently. H turned 65 and is still working so won't be needing B yet. But when the time comes, we will both sign up for it. His agency offers classes on the subject quite often. The ones we've been to have been very helpful. We have the regional Aetna. I remem...
by Faith20879
Tue Jun 07, 2016 9:55 am
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3146

Re: CostCo Citi card arrived. But we didn't apply for it.

Ah... I see. Yes we do have the Amx. All is well now.

Thanks again!

Faith
by Faith20879
Tue Jun 07, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: CostCo Citi card arrived. But we didn't apply for it.
Replies: 31
Views: 3146

CostCo Citi card arrived. But we didn't apply for it.

Hello Fellow Bogleheads, Costco sent the new Citi Visa via regular mail. The enclosed letter says the membership fee will be accessed automatically to the card, same as the Amx before. While we appreciated the convenience we were also taken aback a bit. Can they really issue a credit card without us...
by Faith20879
Tue Apr 26, 2016 10:10 am
Forum: Personal Consumer Issues
Topic: Anyone knows what "珪藻土" is?
Replies: 5
Views: 1795

Anyone knows what "珪藻土" is?

Hello, Fellow Bogleheads, Greetings! We Just got back from a trip through Asia. In addition to the nice scenery and rich cultures, we also learned about a new product that we've not seen before. In some of the places we stayed at, they have this hard bathroom floor mat that's made of "珪藻土"...
by Faith20879
Fri Jan 22, 2016 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 6379

Re: Hope everyone is well [Preparing for Eastern US blizzard]

Checking in from upper Montgomery County near the Frederick County line.

Just checked, we've got about 6" so far. Hubby told me to go out shoveling every 6" so... off to foxes now! Yi what fun!
by Faith20879
Tue Jan 19, 2016 8:06 pm
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4942

Re: Pizza Stone / Homemade Pizza Advice

We use whole wheat Naan bread that is roughly 10 inch , fits in a toaster oven nicely. We get to use low sodium toppings and fresh veggies. Hubby says it tastes as good as his Italian mother`s and quick and easy.

Sorry bout my spelling, first time posting from a tablet, aaaarggggg
by Faith20879
Fri Oct 23, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Bicycle commuting
Replies: 91
Views: 7318

Re: Bicycle commuting

I’ve been biking to work for about 12 years except when it poured or had snow/ice on the ground. I have a pretty good route, 4.6 miles each way in Maryland DC Suburb, 1/2 on neighborhood streets and 1/2 on multi-use trail/sidewalk. During the summer I always wear long-sleeve UV shirt no matter how h...
by Faith20879
Thu Aug 27, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 5842

Re: Has anyone actually used gold or silver coins for a purchase?

I've heard secondhand stories from co-workers and friends who used gold to buy a seat on the last boat or plane leaving town when their motherland totally collapsed. The only firsthand story I know was told by my mother. In the 1930s, when Japanese invaded China, my mother at the tender age of 16, h...
by Faith20879
Thu Jan 22, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on pitfalls of doing one's own taxes
Replies: 40
Views: 5315

Re: Reporter doing story on pitfalls of doing one's own taxe

I've got one. Oh, t's was the year I was still young and care-free. A letter from IRS arrived accusing me of failing to file a return some years ago. Being a record keeping fanatic, I, feeling fully vindicated, pulled out my nicely organized bankers box, flipped to said year, and there, to my ultima...
by Faith20879
Wed Jan 14, 2015 3:24 pm
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3599

Re: How much in I bonds do you own?

We subscribe to the “floor covering” school of thought. Of the basic needs, 1/5 is covered by CD, 1/5 by I/EE Bonds, 1/5 by annuity(ies) when the right time comes, and the other 2/5 by stocks/bonds. So, yes, we own a substantial amount of I/EE Bonds.
by Faith20879
Thu Oct 23, 2014 9:02 am
Forum: Personal Finance (Not Investing)
Topic: 2013 NAWI released
Replies: 5
Views: 623

Re: 2013 NAWI released

Thanks, PJW. And, the new bend points are for 2014. With sscritic's help, I use a spreadsheet to track our future SS benes. Each released number eliminates a hole from my spreadsheet, yay! I just assumed there are other spreadsheet fervor on this board that will also get "excited" about th...
by Faith20879
Wed Oct 22, 2014 9:00 am
Forum: Personal Finance (Not Investing)
Topic: 2013 NAWI released
Replies: 5
Views: 623

2013 NAWI released

Just saw it on SSA site: http://www.ssa.gov/oact/cola/AWI.html and also the bend points here http://www.ssa.gov/oact/cola/bendpoints.html

Time to update those SS bene spreadsheets!
by Faith20879
Fri Oct 03, 2014 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 3634

Re: Should I include [banked vacation days] in my net worth?

wander wrote: I would use all my vacation days simply when I look back I would regret that I should take vacation somewhere during my healthy time.


:thumbsup and how do I do like or very like?
by Faith20879
Fri Oct 03, 2014 10:35 am
Forum: Personal Consumer Issues
Topic: Get some Exercise!
Replies: 23
Views: 2926

Re: Get some Exercise!

Good discussion - especially for my age cohorts! Thank you. Since we are talking about exercise, it is hard not to bring up injuries. Hope I don't get this thread locked. I wholeheartedly believe in diversity. Through out my thirties and forties, I jogged 5k daily. Then I started having knee problem...
by Faith20879
Fri Sep 26, 2014 1:12 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 13877

Re: Bill Gross moving from PIMCO to Janus, Monday

I just moved into PIMCO Total Return a couple months ago We bailed from PIMCO TR this summer Sounds like a revolving door. This is one of reasons I finally decided that index funds are for me and my family. During the early 2000's, as a devout hot fund chaser, I was heavily invested with Janus. Rig...
by Faith20879
Thu Sep 25, 2014 1:18 pm
Forum: Personal Consumer Issues
Topic: An earbuds hardware question
Replies: 4
Views: 502

Re: An earbuds hardware question

Many thanks!
by Faith20879
Thu Sep 25, 2014 11:47 am
Forum: Personal Consumer Issues
Topic: An earbuds hardware question
Replies: 4
Views: 502

Re: An earbuds hardware question

Hi backpacker,

Thanks for confirming!
by Faith20879
Thu Sep 25, 2014 10:17 am
Forum: Personal Consumer Issues
Topic: An earbuds hardware question
Replies: 4
Views: 502

An earbuds hardware question

Dear BHs, I have a simple MP3 player that I use to download/listen to Podcast. It appears that the original set of buds are on their last legs. The L side has become somewhat of Intermittent, more off than on. So I am starting to look for a new set. My old set has 3 rings which I understand is audio...
by Faith20879
Tue Sep 23, 2014 11:43 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks
Replies: 46
Views: 4865

Re: Individual Stocks

Yes, I still own 4 dividend companies from the pre-BH days. My 10 year average return roughly aligns with the S&P 500. That tells me that I am no smarter than average and that all the time and energy spent was a wash. I am looking to sell once our tax brackets get lower. On the other hand, DH al...
by Faith20879
Tue Sep 23, 2014 8:22 am
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 1236

Re: How to build a Vanguard portfolio

Hi OP, Please be mindful of the word "comparable" that's mentioned multiple times by the other posters. I am assuming you are familiar with the concept of asset allocation. When building your Vanguard portfolio, make sure you use a mix that is comparable to the one with your advisor. It is...
by Faith20879
Tue Sep 16, 2014 9:37 am
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 5268

Re: Share your Hot-Rod Portfolio

SuperSaver wrote:Rock-Solid Blue Chips

50% Sears
50% Radio Shack


This made my day! Thanks!
by Faith20879
Fri Sep 12, 2014 11:05 am
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7030

Re: Clean, quiet, safe and cheap. Is there such a travel pla

From what I read, a high percentage of the food product (again both manufactured and agricultured) in China are either tainted or composites of ingredients you've never heard of. The most recent case I heard is the sewage being harvested, filtered, and re-sold back to the market as cooking oil. Not ...
by Faith20879
Fri Sep 12, 2014 8:53 am
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 7030

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Not sure what kind of cleanness is being sought here - air, scenery, drinking water, food (either manufactured or agriculture), living environment, and etc.? Please define!
by Faith20879
Thu Sep 04, 2014 12:59 pm
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 7189

Re: Home Depot Breach - zip codes revealed

Hope this makes the migration to Chip+PIN faster.


I am not well-versed in the credit card technologies. From what I read, Chip+PIN would still require some info be stored somewhere (server or not), no? If so, won't hackers still be able to get to it?

Thanks!
by Faith20879
Wed Sep 03, 2014 10:35 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1838
Views: 420561

Re: What Movie Have You Recently Watched?

I am a poor judge of movies - all my girlfriends can back me up on that. My utterly unsophisticated rules are 1. did I like the story being told and 2. do I still remember the synopsis after a month? Watched " Eight below " last month and it fit the bill. It didn't have a strong plot and h...
by Faith20879
Wed Sep 03, 2014 10:08 am
Forum: Investing - Theory, News & General
Topic: Financial Advisory Firms
Replies: 5
Views: 546

Re: Financial Advisory Firms

Good question! There are different types of DIY investors too: 1. Those who truly can separate their emotions and make independent decisions, and 2. Those who think they can but more likely to bail at the first sight of trouble, and 3. Those in between. I happen to think type 2 investors can benefit...
by Faith20879
Fri Aug 29, 2014 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 21351

Re: My husband's " WILL", $ left for me to live on....

Hi OP,

Your story is so eerily similar to my family's and I cringed as I was reading.

Just curious, are you and your husband raised in the same cultural background?

Faith
by Faith20879
Fri Aug 29, 2014 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2940

Re: Trying to understand the 1040 Tax Table

I have a homemade spreadsheet... This inspired me! I've just finished my 2014 tax worksheet and am now doing the 2019 projection. The concept of "bundling" is new to me but I am gradually seeing the logic in it. Wow, now I can play with all kinds of scenarios and see how the Roth conversi...
by Faith20879
Fri Aug 29, 2014 12:14 pm
Forum: Personal Consumer Issues
Topic: Trip to China
Replies: 13
Views: 1045

Re: Trip to China

Absolutely! Protect your electric ID at all cost - especially in China. We took a China tour last year and had a five-hour layover at Beijing Airport. To kill time, we signed up for the airport's free Wi-Fi (NEVER again). The sign-up form required an email address, to which we used one of hubby's ba...
by Faith20879
Mon Aug 25, 2014 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2940

Re: Trying to understand the 1040 Tax Table

Got it! "Effective Tax Rate"

Thanks!
by Faith20879
Mon Aug 25, 2014 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to understand the 1040 Tax Table
Replies: 36
Views: 2940

Trying to understand the 1040 Tax Table

Dear BHs, While explaining the Tax Table to a friend, a question came up. We started with the tax brackets and tax rates (10%, 15%, 25% and so forth), no problem there. Then we got to the Tax Table where each increment of 50, the tax amount is listed - for each filing status with less than $100,000 ...
by Faith20879
Mon Aug 25, 2014 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Help with son-in-law's new 401k
Replies: 13
Views: 1619

Re: Help with son-in-law's new 401k

Hello Sweetbriar,

Welcome!

Those are indeed some high fees! Is there a match from his or her company? How long doe it take to vest? How much from each pay period are they committed to invest?
by Faith20879
Mon Aug 25, 2014 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Excel Spreadsheet
Replies: 4
Views: 825

Re: Dividend Excel Spreadsheet

Hello minhnusa, Are you referring to dividends paid out to you as cash or dividend re-investment? They are treated differently in my system. If former, I treat it as interest from any bank account and no, I don't keep record for cost basis reason. If latter, I use Gummy's (search Gummy) spreadsheet....
by Faith20879
Thu Aug 21, 2014 12:48 pm
Forum: Investing - Theory, News & General
Topic: Municipal bonds 1y returns - exuberance and caution
Replies: 56
Views: 9352

Re: Municipal bonds 1y returns - exhuberance and caution

Yikes, this happens to be the month and year we are scheduled to reduce 1% equity into bonds as part of near-retirement preparation. Everything looks overvalued. This totally took away the joy of rebalancing. ARGH, biting the bullet right now! When I am craving for something in the market, if it loo...
by Faith20879
Mon Aug 18, 2014 3:47 pm
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 7688

Re: Do Super wealthy have access to different investing vehi

Absolutely! Many years ago I went to a MoneyShow in DC. Some of the big ventures (or venders) required tickets to attend their private seminar and there were groups of people congregated by the entrance waiting to be admitted. Being young and naïve then I instinctively stuck my head into the crowd a...
by Faith20879
Mon Aug 18, 2014 2:37 pm
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 7202

Re: The (un)freshness of Starbucks bakery products

Starbucks is a marketing company that sells coffee. There are plenty of alternatives that can be had for much less and much more fresh. This! I am not a coffee connoisseur so rarely contribute to their profits. However a few years I was in Seattle for a work trip. One day I had to rise early for a ...
by Faith20879
Thu Aug 14, 2014 11:48 am
Forum: Personal Consumer Issues
Topic: Would you tip this tour guide?
Replies: 22
Views: 2682

Re: Would you tip this tour guide?

Thanks! Many good suggestions, especially about submitting a review at their website. I will definitely follow up on that. A few afterthoughts: 1. When I first saw the shape of the third row, I did wonder. But then the guide kept saying "All seats are good", it tricked my mind as if, it be...

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