Search found 492 matches

by Faith20879
Fri Aug 04, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1267

Re: Garage ceiling bike storage

We have these:
http://www.homedepot.com/p/Racor-1-Bike ... /100464777

Easy to install, super easy to down/up everyday.
by Faith20879
Wed Jul 26, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: 2003 Outback on 4th radiator. Is this normal?
Replies: 11
Views: 655

Re: 2003 Outback on 4th radiator. Is this normal?

Grt2bOutdoors wrote:...changed the radiator fluid... check the fill level ...


Hmm, we checked the fill level frequently and it was always full. But, never changed the fluid. Could this have been the culprit?
by Faith20879
Wed Jul 26, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: 2003 Outback on 4th radiator. Is this normal?
Replies: 11
Views: 655

2003 Outback on 4th radiator. Is this normal?

DH has a 2003 Subaru Outback station wagon AWD with roughly 100,000 miles on it. The original radiator leaked on and off and the dealer replaced it in 2004 under warranty. In 2010, the second radiator blew up and was replaced at a local mechanic. The parts were genuine - bought from a dealer shop. Y...
by Faith20879
Wed Jul 26, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Cheapest way to fly first class to Hong Kong from San Francisco?
Replies: 14
Views: 1694

Re: Cheapest way to fly first class to Hong Kong from San Francisco?

...me and my wife can switch back and forth... Do they allow this? The flight attendants on UA seem very strict about "keeping the classes". Anyone came up too close or trying to peek through the curtain seemed to be turned away quickly . One time I was flying business and was caught by a...
by Faith20879
Wed Jul 19, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 3775

Re: Essential Bike (bicycle) Accessories

What is "essential", like everything in investment, is relative. I am a bike commuter - 5 miles each way. Weight is my #1 consideration. I don't carry a pump thus a tire patch kit is useless to me. In the little pouch under the seat, I carry a small poncho and a pair of gloves in case the ...
by Faith20879
Tue Jul 11, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 1937

Re: EE Bonds?

Yes EE bonds "double in 20 years" is still true. See https://www.treasurydirect.gov/indiv/research/indepth/ebonds/res_e_bonds_eeratesandterms_eebondsissued052005andafer.htm Like poster Jack said, the money is essentially locked up for 20 years so you want to make sure that is acceptable. A...
by Faith20879
Tue Jul 11, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2394

Re: Combatting mosquitoes traveling in S. America

Hello thanks to your helpful tips, the trip was a great success. The Permethrin you suggested worked wonders. We ordered a gallon bottle from Amazon and pre-treated all our clothes, socks, and everything. I only got two spider bites on my face consider that I usually get multiple bites just by 3 min...
by Faith20879
Fri Jul 07, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Medallion signature guarantee for smaller investments?
Replies: 12
Views: 923

Re: Medallion signature guarantee for smaller investments?

neveragain wrote: how does the financial institution know that it's the real account holder,

I brought a copy of the most recent statement from the brokerage that I am transferring from along with me. The bank manager glanced at it for but a second. As the other posters said, it was a quick no hassle process.
by Faith20879
Tue Jun 20, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 4296

Re: Has Vanguard gotten too big?

Email is worthless, as they never respond . I feel your frustration. Were these secure emails, meaning sent via their website, or regular emails, meaning sent via your email provider? I've had successful experience with the secure email and not so much with the "regular" emails - until on...
by Faith20879
Mon Jun 19, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 5444

Re: Best Financial Advice from Dad (in honor of father's day)

My father was born in 1907 and still has all his marbles. He was a low ranking officer in Chiang Kai-Shek’s air force and ran errands for the Flying Tigers during the Japanese invasion. This he always told stories of with much pride. Then war-torn China taught him “save and save some more” was the o...
by Faith20879
Fri Jun 16, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7772

Re: Meeting with retirement guru, specializes in federal govt employees

...It is a complicated issue; ... Absolutely! We (HD and I) are trying to collect information and listen to fellow Fed bogleheads' reasoning for their own situations. So when our time comes all these will be considered. There was a lengthy discussion on to keep B or not and a lot of the wording I c...
by Faith20879
Fri Jun 16, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5664

Re: Favorite Feature of Vanguard Website?

I like it that, on each fund tab, the various expenses are listed clearly, even if it is zero. Onetime I had to sell some shares at Fidelity and wanted to make sure there was no short term redemption involved. Their website didn't say anything so I called the helpline. After about 10 minute's wait, ...
by Faith20879
Tue May 30, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 7772

Re: Meeting with retirement guru, specializes in federal govt employees

This:

VictoriaF wrote:3. After the age of 65, should one choose Medicare Part B, FEHB, or both?


There have been numerous discussions but I have not seen a convincing lean to either direction. Would love to hear what your "guy" says about it, in plain English.

Thanks for sharing.
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: 902

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: 39
Views: 2394

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: 39
Views: 2394

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: 39
Views: 2394

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: 4082

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: 572

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: 2246

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: 2246

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: 495

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: 4152

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: 656

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: 530

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: 1439

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: 18362

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: 1374

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: 1374

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: 12298

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: 278

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: 369
Views: 28926

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: 3252

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: 21204

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: 1690

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: 1329

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: 1251

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: 3477

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: 1251

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: 1251

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: 1251

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: 685

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: 1944

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: 1944

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: 44
Views: 14168

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: 1148

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: 6869

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: 624

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: 2003

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...