Search found 215 matches

by Info_Hound
Wed May 25, 2016 10:10 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 16605

Re: Improving the TSP [for current participants]

Saw this article today: TSP Board Still Seeking Lawmaker to Sponsor Its Proposal to Ease Withdrawals Quote: "Despite receiving approval from the Senate-confirmed overseers last year, Thrift Savings Plan officials are still seeking a champion in Congress to sponsor legislation that would make i...
by Info_Hound
Tue May 17, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Elliptical trainer
Replies: 43
Views: 1955

Re: Elliptical trainer

Sports Authority recently had a 50% off sale on the Schwinn 470 model which brought it to $750. That was the same price I found for it on Amazon delivered to my door. The ProForm models have a lower customer satisfication rating and seem to have issues with noise and breaking down after about 4 mont...
by Info_Hound
Fri May 13, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: FERS FEHB and Medicare Part B
Replies: 25
Views: 1332

Re: FERS FEHB and Medicare Part B

I am a FEHB participant (BCBS) and will have to make a choice of whether to sign up for Part B by October of this year or delay. I lived in the Washington DC area for many, many years and the best source of info on topics close to a Feds heart is found on Federal News Radio. This includes what the T...
by Info_Hound
Mon May 02, 2016 9:34 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 16605

Re: Improving the TSP [for current participants]

MichDad, Nothing on these issues in the November 2015 through February 2016 FRTIB minutes. It would sure help us plan if we knew more flexible TSP withdrawal options were going to be available. mrc, I'm afraid the news is worse. In April, I corresponded with FRTIB staff about the Board's plan to ad...
by Info_Hound
Mon Apr 18, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2692

Re: Security features of a good front door

The Ring doorbell looks neat, but I just can't bring myself to fork over the 200 bucks. http://www.amazon.com/Ring-Wi-Fi-Enabled-Video-Doorbell/dp/B00N2ZDXW2/ref=sr_1_2?ie=UTF8&qid=1460740379&sr=8-2&keywords=ring+doorbell You can also get deadbolts that work from your cell phone, anothe...
by Info_Hound
Sat Apr 16, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Security features of a good front door
Replies: 34
Views: 2692

Re: Security features of a good front door

The Ring doorbell looks neat, but I just can't bring myself to fork over the 200 bucks. http://www.amazon.com/Ring-Wi-Fi-Enabled-Video-Doorbell/dp/B00N2ZDXW2/ref=sr_1_2?ie=UTF8&qid=1460740379&sr=8-2&keywords=ring+doorbell You can also get deadbolts that work from your cell phone, anothe...
by Info_Hound
Fri Apr 01, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: Solar City Sales-pitch
Replies: 34
Views: 3492

Re: Solar City Sales-pitch

Looked into Solar City as I am interested in solar for my house. Found them at the HD store with a little table set up. I pretty much got the same pitch as the OP. My home sits in a perfect location to go solar and several of my neighbors have mounted panels, but I backed away from this deal. My ele...
by Info_Hound
Wed Mar 30, 2016 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Slow tax refund,making of an audit?
Replies: 6
Views: 744

Re: Slow tax refund,making of an audit?

The state of Colorado has been very slow with their returns since they started receiving them. They state this is due to 'tax fraud activity' they have detected. They did they same thing last year too. My daughter and I filed simple electronic returns in mid-Feb. The Feds took 3 days to issue refund...
by Info_Hound
Tue Mar 08, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Federal Tax Refund
Replies: 24
Views: 2731

Re: Delayed Federal Tax Refund

Had my taxes done by my CPA and filed for a refund from both the feds and state. Received my fed refund 3 days after it was electronically filed. I am still waiting for the state (Colorado) to 'accept' my electronic return almost 30 days after it was filed. We can see it's status on line at the stat...
by Info_Hound
Thu Mar 03, 2016 12:25 pm
Forum: Personal Consumer Issues
Topic: House size advice for when the kids start leaving home?
Replies: 38
Views: 2975

Re: House size advice for when the kids start leaving home?

In your situation, the max number of bedrooms I would get in a house is 4. One for each of your two living at home daughters and one for MIL's visit and the other daughter during summers. Four bedroom homes seem to be the normal these days. Really, I think you could easily get by with three. I woul...
by Info_Hound
Fri Feb 26, 2016 11:54 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 54
Views: 5598

Re: Gardening 2016

I am waiting until after Mother's Day to do anything in the garden. Garden location - Fort Collins, CO. For the past 3 years in a row I have had measurable snow in mid-May covering my lawn and garden beds. I mix in compost and peat using my daughter's labor as her gift to me as a Mother's Day gift. ...
by Info_Hound
Mon Feb 08, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: GEICO Windshield Repair and Waive of Deductible
Replies: 14
Views: 1198

Re: GEICO Windshield Repair and Waive of Deductible

Yes, GEICO does cover windshield chip repair at no cost to you. Call them, it will not impact your policy rates at all. I have two cars and each have had chips covered multiple times (sometimes in the same year!) at no cost to me. It's the cost of replacing the windshields that hits your policy dedu...
by Info_Hound
Sat Jan 23, 2016 12:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 5919

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

Thank you, Victoria. Two feet of snow in the DC area is not nothing. I lived in the suburbs of DC during Snowmageddon in 2010. ...While two feet of snow may be something that some areas recover from in 24 hours that is definitely now true in DC. Have a little compassion folks and I hope everyone st...
by Info_Hound
Wed Jan 20, 2016 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Notice / Counter Offer Situation
Replies: 61
Views: 5449

Re: Insane Notice / Counter Offer Situation

There have been lots of post reassuring you of why you simple can not stay. Most have correctly advised you ride out the notice. Having been through this more than once, you should also be prepared to be walked out the door this morning when you decline their offer. Lots of companies move senior em...
by Info_Hound
Wed Jan 20, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Retiring and people seem to avoid me
Replies: 66
Views: 8474

Re: Retiring and people seem to aviod me

I gave a month's notice when I decided to retire because I was the Lead person on a major project. Had a great working relationship with the entire team of 25 folks in the department, including my manager. After much talk after the announcement I noticed folks seemed to ignore me. Hindsight, folks h...
by Info_Hound
Tue Jan 12, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 9426

Re: How common is this

I think the critical factor is the withdrawal strategy and not necessarily asset allocation. Would love to hear Info-Hound's withdrawal strategy. At least the withdrawal rate. P.S: If withdrawal rate is 2%, of course most will have their nest egg grow. I withdraw from my IRA no more than 3% but it ...
by Info_Hound
Mon Jan 11, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 9426

Re: How common is this

I'm only 5 years into retirement, so maybe my experience is not typical. I have more money today than I did on my last day working. Even this year this is true, I've starting updating my spreadsheets for the year and this popped up. Made me happy as I was thinking quite the opposite given recent fin...
by Info_Hound
Mon Jan 11, 2016 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Advisor wants to convert TSP to ?
Replies: 64
Views: 5376

Re: Advisor wants to convert TSP to ?

Best advice I can give you and your wife is to ask her to 'follow the money'. This guy needs to make money to stay in business, how does he get paid and who pays him? Nothing is free. Agree with many other posters, there should be no second meeting, the above question can be answered via email. It's...
by Info_Hound
Sun Jan 10, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: Forbes serving Malware
Replies: 15
Views: 2093

Re: Forbes serving Malware

Sounds like my inner voice saved me from picking up a computer bug. I too saw recent click bait for a Forbes article that sounded interesting. When I got to the page it asked me to turn off my AdBlockerPlus. I thought about it in this order 1) I installed ad blocker software because....(fill in the ...
by Info_Hound
Sat Jan 02, 2016 7:21 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 4576

Re: 2015 BOGLEHEAD CONTEST LEADERS

Congratulations Victoria! And in the same vein, I am going to make note of my own dismal performance in my sig line as well... At the US Naval Academy the last graduating student is honored with the title of being the 'Class of 20xx Anchor.' As they like to point out you can be the bottom of the cl...
by Info_Hound
Sat Jan 02, 2016 7:13 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST
Replies: 656
Views: 20535

Re: REGISTRATION FOR THE 2016 BOGLEHEAD CONTEST

2146.03

Blew it big time last year, I was just too optimistic.
by Info_Hound
Wed Dec 30, 2015 1:40 pm
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST LEADERS
Replies: 53
Views: 4576

Re: 2015 BOGLEHEAD CONTEST LEADERS

Not to game the system...I can make the left hand column if I sort by name. :shock:
by Info_Hound
Wed Dec 30, 2015 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Fed retired, TSP to ROTH withdrawals possible?
Replies: 39
Views: 2378

Re: Fed retired, TSP to ROTH withdrawals possible?

I needed to do the same thing (move TSP funds into a ROTH IRA outside of the TSP) for the same reasons, however I am a survivor annunitant with the TSP. In this instance the same withdrawl rules applied to me as they do to you. I ended up moving funds from the TSP into a new ROTH IRA. I filed for a ...
by Info_Hound
Thu Dec 10, 2015 12:01 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 36820

Re: OPM breach and credit freeze

I think that freezing credit and submitting a Form 14039 will provide far more protection than anything the OPM or a commercial service can offer. Just as a general FYI for those who are interested in availing themselves of this service...the IRS site that enables the online PIN request is down for...
by Info_Hound
Thu Dec 10, 2015 11:45 am
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 36820

Re: OPM breach and credit freeze

Well, I knew from reading the news reports earlier this year that my personal info was likely compromised but I have been waiting since the news broke to find out for sure. OPM wasn't exactly a fountain of information. Got my notice in the mail from OPM yesterday. I was beginning to hold out hope th...
by Info_Hound
Thu Dec 10, 2015 11:35 am
Forum: Personal Consumer Issues
Topic: mailboxes freezing shut?
Replies: 31
Views: 1978

Re: mailboxes freezing shut?

The door to our mailbox froze shut with the last round of blowing snow/ice storm. We have community mailboxes so the mailman opens the entire group of mailboxes (one huge door) to deliver mail. When we get a strong North wind with ice, it hits the mailboxes just right to freeze all the little doors ...
by Info_Hound
Wed Nov 25, 2015 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 22
Views: 2881

Re: Heads up: LONG rollover TSP to Vanguard

I too have done a partial rollover from TSP to my Fido account. The problem I encountered was Fidelity needed to keep the written information inside the little square boxes when they filled out their section. The Fidelity person did not and my first withdrawl form submittal was rejected by the TSP....
by Info_Hound
Tue Nov 24, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Heads up: LONG rollover TSP to Vanguard
Replies: 22
Views: 2881

Re: Heads up: LONG rollover TSP to Vanguard

I too have done a partial rollover from TSP to my Fido account. The problem I encountered was Fidelity needed to keep the written information inside the little square boxes when they filled out their section. The Fidelity person did not and my first withdrawl form submittal was rejected by the TSP. ...
by Info_Hound
Sun Oct 25, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: [how to invest TSP funds if concerned about] National debt default?
Replies: 16
Views: 986

Re: National debt default?

Finally, the question: What advice does anyone have about avoiding losses in the pending strong possibility of a default on the US sovereign debt? After 30 years in Washington, this seems like a real possibility to me, since there are 6 legislative working days before the Treasury runs out of money...
by Info_Hound
Sun Oct 25, 2015 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Thrift Saving Plan vs Vanguard
Replies: 3
Views: 709

Re: Thrift Saving Plan vs Vanguard

Before you begin to move retirement funds around/into the TSP you should look into withdrawal options available for each of your retirement accounts. Currently withdrawal options are very restricted for TSP accounts vs. IRA accounts held elsewhere. Vanguard is a low cost option very close to the TSP...
by Info_Hound
Sun Oct 25, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Premium for 2016
Replies: 70
Views: 6616

Re: Health Insurance Premium for 2016

I'm holding my breath waiting to see what our premimun will be. Federal open season begins next month and they will provide plan info sometime in the next week or so. Currently am on BCBS Federal Plan (PPO) (retired) but am eligible for the new self plus one plan. From what I have read, I might brea...
by Info_Hound
Sun Oct 25, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 13036

Re: Guilty pleasures?

All things related to quilting...fabric, sewing machines, tools, gadgets, patterns, books, the list is endless. Thank heavens I am retired and have time to enjoy all of it. I haven't given into the most expensive quilting toy desire yet as it will require me to finish my basement in order to bring i...
by Info_Hound
Sun Oct 04, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Noises in the wall (bats?)
Replies: 35
Views: 2496

Re: Noises in the wall (bats?)

We had flying squirrels in the walls of a house that sounded like that. Seems they can easily fit down the end of a roof ridge that did not have an end cap. Builder 'forgot' it. They are small and quick. We spent endless hours outside looking for the entry point (thinking they were gray squirrels) b...
by Info_Hound
Mon Aug 17, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Selling a car registered in NJ to MD
Replies: 4
Views: 866

Re: Selling a car registered in NJ to MD

Maryland will also require an emissons inspection certificate in order to re-title the car. They have emission inspection stations all over the state as well as at most (but not all) gas stations.
by Info_Hound
Wed Aug 12, 2015 10:43 am
Forum: Personal Consumer Issues
Topic: Anyone not own a Smartphone
Replies: 76
Views: 4898

Re: Anyone not own a Smartphone

With plans for $35 and under a month, cost is no longer a reason to not own a smartphone. +1 Never owned one because it wasn't worth the cost. My old call/text only phone costs $10/month -- hardly worth the savings. Funny story: old job gave out on-call pagers! I was walking and this ~14 year old k...
by Info_Hound
Fri Aug 07, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 6275

Re: Seller conceals known defects: fraud question

Sorry to hear of the outcome. Yes, it stinks and sounds like the seller decided to play the lawyer card. With that being said, anyone can claim anything in paperwork or a letter but they do have to prove their claim once they walk through the courtroom doors. Sometimes the cost to recover is more th...
by Info_Hound
Mon Aug 03, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 6275

Re: Seller conceals known defects: fraud question

It's my assumption that if there is a contingency for home inspection, there is a repair procedure in the offer to purchase. If the seller doesn't agree to the repairs, the buyer has the right to terminate the offer contract and receive their earnest money back. This is also true in Maryland, when ...
by Info_Hound
Mon Aug 03, 2015 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Seller conceals known defects: fraud question
Replies: 53
Views: 6275

Re: Seller conceals known defects: fraud question

Since you have access to the previous inspection, did it include the county Health Department's well water test results also? Sounds like the house is rural and if it's on septic it is likely also on well water. There are exceptions, but they are rare. Former Marylander here who lived in well and se...
by Info_Hound
Wed Jul 29, 2015 10:23 am
Forum: Investing - Theory, News & General
Topic: TSP May Expand Options
Replies: 20
Views: 1750

Re: TSP May Expand Options

I just read an article on this and noted that the new withdrawal options will take at least a year to put in place after Congress passes a bill to approve the change. Realistically I don't see the new withdrawal options being available for a few more years yet. Kim Weaver is the TSP board’s director...
by Info_Hound
Thu Jul 23, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: larson storm door in sun problem
Replies: 7
Views: 1118

Re: larson storm door in sun problem

I have a Larson full view storm door on the Southwest side of my house that catches the sun most of the day and heats up in the summer. I found a cheap solution for the hot handles - I cut a section of tubing from a large clear flexible tube and slid it on both handles. Now the handles can be touche...
by Info_Hound
Tue Jul 21, 2015 10:47 am
Forum: Investing - Theory, News & General
Topic: Emergency boglehead evangelist kit?
Replies: 19
Views: 2245

Re: Emergency boglehead evangelist kit?

Just keep this under your hat, but Lockheed Martin just settled a lawsuit regarding their management of their employees 401K. The point being, yes the company does have a responsibilty to manage costs within the 401K. Yes, I was one of the many that will get something from this settlement. Plaintiff...
by Info_Hound
Mon Jul 20, 2015 10:05 am
Forum: Personal Consumer Issues
Topic: Rx Savings Card - Too Good to Be True?
Replies: 23
Views: 1897

Re: Rx Savings Card - Too Good to Be True?

To get the card I had to register with the drug company online website and then could print it. They send us an email about once a month reminding me to refill the prescription. They do offer some free stuff through the mail (energy bars/powders, etc) but I've opted out of that no issue. They occas...
by Info_Hound
Mon Jun 01, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Ed Slott 'infomercial' on MPT [Maryland Public TV]
Replies: 21
Views: 2352

Re: Ed Slott 'infomercial' on MPT

For practical purposes view the traditional accounts as looming RMDs at age 70. If you don't need the money to live on then you have to pay taxes at your marginal rate each year at age 70. I don't need my IRA money at age 70. Then I will have to reinvest what is not taxed into taxable and pay tax g...
by Info_Hound
Mon Jun 01, 2015 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond help
Replies: 15
Views: 1861

Re: Savings bond help

Bummer.

Good thing she is a poor starving Grad student. :wink:
by Info_Hound
Mon Jun 01, 2015 9:43 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 528
Views: 59525

Re: Free Windows 10 Upgrade, Yes or No?

Received the same upgrade offer when I logged on to my laptop this morning from Microsoft. Am Windows 7 user also with no issues staying put. I have never liked to upgrade for the sake of upgrading. I'll let the other 'alpha' testers who accept the free upgrade figure out what is broke and let MS fi...
by Info_Hound
Mon Jun 01, 2015 9:35 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 3530

Re: All-in-one Printer Recommendation

Consumersearch.com recommends four all-in-one: two Brothers, one Canon, one HP. Full report is here, http://www.consumersearch.com/all-in-one-printers/how-to-buy-a-multifunction-printer My really old all in one Cannon printer finally died 6 months ago and I was forced to buy a new all in one printe...
by Info_Hound
Sun May 31, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Savings bond help
Replies: 15
Views: 1861

Re: Savings bond help

Funny that this quesion popped up, I was at the TreasuryDirect web site just yesterday researching the EE paper Bonds my daughter had given to her by her Great Grandfather when she was just a baby to pay for her education. From what I understand how the bond is titled to a person decides if it can b...
by Info_Hound
Sat May 23, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 113
Views: 16605

Re: Improving the TSP [for current participants]

I just listened to this interview that discusses the latest actions, planned or otherwise, the TSP is implementing. Seems they have gotten the message that their withdrawal options are driving participants to move funds to other firms. http://www.federalnewsradio.com/722/3860452/Discussion-of-TSP-is...
by Info_Hound
Tue Apr 21, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: TX, MT, CO, and NM Comparative Tax Burden
Replies: 37
Views: 3181

Re: TX, MT, CO, and NM Comparative Tax Burden

Info regarding your Fort Collins, CO assumptions: 1) Colorado state income tax is a flat rate of 4.63% http://www.taxadmin.org/fta/rate/ind_inc.pdf 2) Sales taxes is more a locale driven thing. If you shop at certain shopping centers in town there is an additional 2.25-2.50% sales taxes added on top...
by Info_Hound
Fri Mar 27, 2015 9:56 am
Forum: Investing - Theory, News & General
Topic: [TSP G Fund Possible Changes]
Replies: 21
Views: 1533

TSP G Fund Possible Changes

Ran across this interesting article about proposed changes to how the G Fund interest rate would be calculated vs. how it is done currently. Kim Weaver, she's director of external affairs for the board that oversees the TSP, granted an interview that can be heard at the link below. If the changes ar...

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