Search found 478 matches

by Faith20879
Fri Apr 21, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 701

Re: Vanguard "Personal Performance"; those with accounts >10 years

Yes my T. Rowe Price 401K also only shows 10 years return. Why is that?
by Faith20879
Tue Apr 11, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1842

Re: Combatting mosquitoes traveling in S. America

Love the anecdotes! Wish there is a thread just about people's adventure stories in the wildness. Never heard of "permethrin" or the "3M ultrathon cream" before. Will definitely look into them. Ear plugs? The only kind that worked marginally for me are the silicon plugs for the s...
by Faith20879
Mon Apr 10, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1842

Re: Combatting mosquitoes traveling in S. America

...up-to-date on all of your vaccinations... Thanks for the reminder. Got that done and checked off. ... using a net and a sheet? ... I was thinking only the sheet but you got me thinking. I actually do have a face net bought for a previous hike. How did you prop it away from your face when you wer...
by Faith20879
Mon Apr 10, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 37
Views: 1842

Combatting mosquitoes traveling in S. America

I will be doing some volunteer work in Honduras this summer and will be staying at facilities that are reportedly primitive - meaning no screened windows or doors. They also reported severe mosquito infestation this year. It was more than 15 years ago I last did this job - was a lot younger then and...
by Faith20879
Fri Apr 07, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "Important: We've been unable to reach you by email"
Replies: 36
Views: 3651

Re: Vanguard: "Important: We've been unable to reach you by email"

I have had this happened to me in the past, multiple times, both email and paper mail. For the longest time I couldn't figure out why. Until one day I happened to notice that my email provider was lumping all the VG notification emails into the SPAM folder without my knowledge. I swiftly adjusted th...
by Faith20879
Fri Apr 07, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Question regarding sell vs transfer between different brokerage companies (T.Rowe and Vanguard), should I do this?
Replies: 5
Views: 488

Re: Question regarding sell vs transfer between different brokerage companies (T.Rowe and Vanguard), should I do this?

Hello Roseflower81, Welcome to the forum! I am assuming this is a non tax-sheltered account. If you sell, you will be paying taxes on the gain if there is any. The gain is calculated as the cost (how much you paid for) minus the proceed (how much you sold for). Personally I would sell if any of thes...
by Faith20879
Thu Mar 16, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional Salary + Wife 1099 >200K Income, how to save tax defered
Replies: 19
Views: 1981

Re: Traditional Salary + Wife 1099 >200K Income, how to save tax defered

DSInvestor wrote:For 2017, your wife should open a Solo 401k

That's a good suggestion! I totally missed the bit about wife's 1099 in OP's question.
by Faith20879
Thu Mar 16, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Traditional Salary + Wife 1099 >200K Income, how to save tax defered
Replies: 19
Views: 1981

Re: Traditional Salary + Wife 1099 >200K Income, how to save tax defered

Hello, welcome to the forum. For MFJ, the phase out MAGI is $186,000. Your number is roughly (135000+75000-18000)=192000. Can you fit $6000 somewhere between your HSA, FSA, and other deductions? About the backdoor ROTH, as you said the existing IRA will have to be either converted or rollover into y...
by Faith20879
Thu Mar 09, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard intermediate term tax exempt vs statement muni bond fund
Replies: 4
Views: 418

Re: Vanguard intermediate term tax exempt vs statement muni bond fund

Hi OP, I am assuming you are a fellow Marylander with a state rate of 5.75% state plus 3% local. Most of our bonds are in assorted Vanguard national TE bonds and a small position in MDXBX. When we started some years ago, we researched all the funds you mentioned plus a few more. By luck I also had a...
by Faith20879
Mon Mar 06, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 3574

Re: Where do you order checks from?

. I still have a couple booklets of checks issued by Chavy Chase Bank (acquired by Capital One about 8 years ago). They are still good for renewing passports and other governmental payments. However some local merchants have given my grief for passing checks from a bank that no longer exists and tho...
by Faith20879
Wed Mar 01, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Mac tax software for newbie tax filer
Replies: 7
Views: 570

Re: Mac tax software for newbie tax filer

Hi OP, If you have assets at Fidelity or TRowePrice, check if you qualify for their free TurboTax. We sold some funds (1099B) last year so TurboTax started us with "Deluxe" and, by mid-stream one of the questions prompted it to upgrade us to "Premier" which was till free. You don...
by Faith20879
Wed Mar 01, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: What are your thoughts on these funds for long term growth?
Replies: 5
Views: 446

Re: What are your thoughts on these funds for long term growth?

.
From the names, I smell actively managed funds. You didn't list their ERs or fees. If they are high, I'd say "nah". The truth is I can't predict anything so low cost index funds are my choice.
by Faith20879
Fri Feb 24, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: How to buy municipal bonds
Replies: 11
Views: 1259

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: 16551

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: 1215

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: 1215

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: 110
Views: 11201

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: 245

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: 319
Views: 17474

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: 2826

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: 118
Views: 19681

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: 1603

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: 1218

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: 1149

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: 3126

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: 1149

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: 1149

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: 1149

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: 606

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: 1825

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: 1825

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: 7119

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: 1071

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: 6535

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: 5
Views: 579

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: 1824

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: 1824

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: 14575

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: 2347

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: 2347

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: 3802

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: 11262

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: 5986

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: 5986

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: 4355

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: 2946

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: 830

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: 3073

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: 11519

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.

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