Search found 437 matches

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: 18
Views: 1423

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: 9995

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: 5597

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: 5597

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: 3202

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: 2547

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: 624

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: 2693

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: 9538

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: 7718

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: 4648

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: 4648

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: 3101

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: 3608

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: 13728

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: 756

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: 635

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: 428

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: 1808

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: 1028

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: 2092

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: 818

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: 85
Views: 6191

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: 3201

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: 3201

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: 1799

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: 6512

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: 5023

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: 7393

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: 5957

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: 5362

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: 3638

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: 632

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: 632

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: 3658

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: 2954

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: 13995

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: 514

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: 514

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: 514

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: 4904

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: 1257

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: 5316

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: 7101

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: 7101

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: 7219

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: 1904
Views: 448430

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: 561

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: 21497

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: 2960

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...

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