Search found 284 matches

by LuigiLikesPizza
Thu Jan 18, 2018 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Floating Rate Income Funds
Replies: 6
Views: 404

Re: Floating Rate Income Funds

Thanks. Was also looking at investment grade.
by LuigiLikesPizza
Wed Jan 17, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Federal pension Vs Higher salary + 401k savings plan
Replies: 32
Views: 2746

Re: Federal pension Vs Higher salary + 401k savings plan

You can probably cut down on medicare costs by quite a bit (as alluded to up post). I just learned about this, despite having worked as a Fed for five years. IIRC, the government picks up their portion of your premium as well. So your federal employee health insurance will pay your Medicare premium...
by LuigiLikesPizza
Wed Jan 17, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Floating Rate Income Funds
Replies: 6
Views: 404

Floating Rate Income Funds

I've been looking at short term bond funds as an alternative parking spot for the money I now have in money market accounts. Have any you used floating rate income funds? The risks are discussed in the link and are mostly predictable. I just don't seem them discussed much and was curious. At the cur...
by LuigiLikesPizza
Tue Jan 16, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Roth Conversion Question
Replies: 4
Views: 280

Re: Quick Roth Conversion Question

Thanks Ralph - it's clearer to me now.
by LuigiLikesPizza
Tue Jan 16, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Quick Roth Conversion Question
Replies: 4
Views: 280

Quick Roth Conversion Question

I've been reading up on the concepts of doing Roth conversions and/or creating a Roth conversion ladder. I'm planning to retire next year a few months shy of age 59. These articles all refer to Roth conversions as a strategy for early retirement. Since I will be able to access the money in my tax de...
by LuigiLikesPizza
Sat Jan 13, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: Heading for a top?
Replies: 103
Views: 7792

Re: Heading for a top?

I know the stay the course mantra, but what interests me about this run is what does the speculation center around? Previous downturns highlighted speculation on the tech sector and other conditions. I'm not seeing wild speculation this time. A run up to tax reform, a pro-business political environm...
by LuigiLikesPizza
Sat Jan 13, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculation Question
Replies: 2
Views: 322

Social Security Calculation Question

My understanding and I hope someone will correct me if I am wrong, is that Social Security uses a 35 year earnings average to develop one's lifetime earnings calculation. What happens if a person has 38 years (or more) - does Soc Sec use most current 35 years, highest 35 years or lowest or something...
by LuigiLikesPizza
Sat Jan 13, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Anxiety - Nearing Retirement, appreciate input
Replies: 7
Views: 1108

Re: Rebalancing Anxiety - Nearing Retirement, appreciate input

Thanks to all. I see now I left out some key information. Will your pension cover your monthly expenses? - No. I am retiring after only 10 years of service at the MRA (to get the health insurance), so with the 20% discount for retiring before age 62, my annual federal pension will be only about $12K...
by LuigiLikesPizza
Sat Jan 13, 2018 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Anxiety - Nearing Retirement, appreciate input
Replies: 7
Views: 1108

Rebalancing Anxiety - Nearing Retirement, appreciate input

Expecting to retire from the federal government next year. I am concerned about sequence risk. I have been rebalancing aggressively inside my TSP, no tax implications thus far. Now eyeing my taxable accounts for rebalancing, ***concerned now more about losing than accumulating*** starting to keep me...
by LuigiLikesPizza
Thu Dec 28, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Self-Employment IRA question
Replies: 2
Views: 281

Re: Self-Employment IRA question

Thank you Duckie.

In addition to the 401K, I also contribute to a Roth IRA.
by LuigiLikesPizza
Fri Dec 22, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Self-Employment IRA question
Replies: 2
Views: 281

Self-Employment IRA question

In 2018, I'll begin earning some $ (less than $5K net expected) in a side job as an independent contractor. I am already employed full time and have a 401K through my employer to which I contribute the maximum allowable. If eligible, what kind of self-employment IRA should I look into? If anyone can...
by LuigiLikesPizza
Fri Dec 22, 2017 8:56 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 111
Views: 12414

Re: Tipping for restaurants where you order at the counter

A favorite topic around here, especially for those who tip ahead of receiving service.

https://www.bloomberg.com/view/articles ... he-tip-jar
by LuigiLikesPizza
Thu Dec 21, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4041

Re: Availability of health care providers - how to factor this in a move?

I suppose if one has known or probable medical issues requiring a certain level of care - living near an adequate facility makes sense. But if one is healthy and still relatively far from the end of life expectancy - is that like paying interest on a debt you may never owe? (unless it's a place you ...
by LuigiLikesPizza
Sun Dec 17, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Vacuum Storage Bags
Replies: 4
Views: 577

Vacuum Storage Bags

I'm packing storage boxes for long term storage. I have some family quilts, sweaters, etc. that in and of themselves can consume a whole box - doesn't seem efficient for the containers and the size of the storage unit. Have any of you used any of those vacuum sealed bags to store blankets, linen, cl...
by LuigiLikesPizza
Sun Dec 17, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4355

Re: Lunch Ideas

Ziplock of raw nuts

small bottle of V-8

done
by LuigiLikesPizza
Sun Dec 17, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Retirement Home, Cash or Asset Dissipation Mortgage?
Replies: 3
Views: 397

Buying a Retirement Home, Cash or Asset Dissipation Mortgage?

I'm looking to buy a permanent home, when I retire in a year or so. I rent now. The particulars of the location I am moving to, make owning a much better proposition than renting, so that kind of settles the rent vs. buy decision. So, the second question is one of paying cash outright vs. taking out...
by LuigiLikesPizza
Sun Dec 17, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 9006

Re: How much do you spend on food per month, per person?

I don't budget, but if I had to guess - around $300, the amount went down when I opened a small side business - I seem to go to a lot of catered events at no cost to me. I am wondering if these amounts are for a new meal, every meal - or if the posters here employ creative use of leftovers? I almost...
by LuigiLikesPizza
Wed Dec 06, 2017 6:10 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 442659

Re: What's Your Credit Card Rewards Strategy?

I write a big rent check every month. My apartment management accepts credit cards @ 2.25% for Visa, 3% for Amex. I'm not angling for any bonuses right now, but trying to think of a scenario where it might be a net gain to pay by credit card. I have Amex Blue Business, but that would a loss I think ...
by LuigiLikesPizza
Wed Dec 06, 2017 6:05 am
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1577

Re: New Chromebook user, loving it, quick question

Thank you, I will seek the app.

I wasn't looking to edit text, I was looking for a temporary stashing place for making a note - like cutting and pasting a recipe I find online, as one example.....without it, I'd end up with a million bookmarks. lol
by LuigiLikesPizza
Wed Dec 06, 2017 4:31 am
Forum: Personal Consumer Issues
Topic: New Chromebook user, loving it, quick question
Replies: 14
Views: 1577

New Chromebook user, loving it, quick question

I'm a longtime MacBook person and did not realize until getting this new Chromebook, how much I use the simple, but much loved feature of the Notepad. I loved to cut and paste notes into that thing while web browsing. I have tried to find a similar feature on this machine, but none so far. I googled...
by LuigiLikesPizza
Wed Dec 06, 2017 4:27 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 65
Views: 9440

Re: Sous Vide?

I purchased a rather expensive grass fed chuck roast. Traditionally, I've cooked chuck roast low and slow in the oven or a crockpot. Thinking it might lend itself well to sous vide - but how to approach that without turning the meat to mush? most chuck roast sous vide instructions call for a very lo...
by LuigiLikesPizza
Sun Dec 03, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 59
Views: 5739

Re: A " Bond Tent" During the "Retirement Red Zone?"

I felt it would require too much stock sell off just prior to retirement, and too much realized capital gains ' For some of us, much of our equity position may be inside a 401K or similar plan...we can reallocate without triggering taxable events, particularly during the last few years of retiremen...
by LuigiLikesPizza
Sat Dec 02, 2017 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: A " Bond Tent" During the "Retirement Red Zone?"
Replies: 59
Views: 5739

A " Bond Tent" During the "Retirement Red Zone?"

I'm 18 months from retirement and I've been gradually moving my allocation in favor of bonds - currently standing at 60%. Watching market movements lately and holding back on any personal reaction. I came across this Michael Kitces article and wondered whether others close to or in the early years o...
by LuigiLikesPizza
Wed Nov 29, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 2971

Re: Don't leave your mac unattended! It has zero security now.

Somehow on my Mac, I picked up a bug called Chumsearch. I have never been able to remove it. None of the instructions found online have worked. Several Apple techs have been unable to completely remove it. It has really degraded the performance of the Mac. They win. I capitulate. Picking up a Chrome...
by LuigiLikesPizza
Tue Nov 28, 2017 7:10 am
Forum: Personal Consumer Issues
Topic: Luggage Update for Travel
Replies: 73
Views: 4251

Luggage Update for Travel

I'm planning to up the amount of travel I do in the next couple of years and would appreciate suggestions for upgrading my worn- out luggage. I am thinking of getting a zippered tote as a carry on/under the seat in front of me. A smallish (not sure in inches) rolling bag that will fit in an overhead...
by LuigiLikesPizza
Sun Nov 26, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18000

Re: Chromebooks- What is the lure?

Second ignorant question today: So, basically, any problems with a Chromebook are hardware only issues? does that make these disposable items at some point? I am a longtime Mac user, so I am used to solving any Macbook problems by hauling the darn thing down to the Apple store and putting it up on t...
by LuigiLikesPizza
Sun Nov 26, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18000

Re: Chromebooks- What is the lure?

I assume Chromebooks have a Favorites/Bookmarks feature - and that list is also stored in the Google cloud.?

Sorry if this comes across as question borne of ignorance, but it is.
by LuigiLikesPizza
Sun Nov 26, 2017 4:59 am
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 18404

Re: The fallacy of spending money on "experiences" vs hard assets

At the end of the day, it's all still consumption. Claiming that money spent on experiences is somehow superior to money spent on hard assets gives those folks in the first group the psychological comfort of staking out the intellectual high ground. It's snooty and meaningless. To use that well-worn...
by LuigiLikesPizza
Fri Nov 24, 2017 6:28 am
Forum: Personal Consumer Issues
Topic: Headphones for iPhone
Replies: 10
Views: 1242

Headphones for iPhone

I'd like to listen to Pandora on the train, using my iPhone. For various reasons, I have never found a pair of earbuds I can wear. Can anyone suggest a pair of headphones that are unobtrusive (maybe the kind that sit behind the neck under hair, etc.? I'd rather not go around wearing a big unwieldy p...
by LuigiLikesPizza
Thu Nov 23, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 157
Views: 18000

Re: Chromebooks- What is the lure?

I often have to upload PDF files for expense reports, since Chrome OS doesn't support Adobe, is there a similar application?

I'm still considering this Chromebook purchase and this thread has me wondering how protagonist's girlfriend ended up liking her Chromebook.

lol.
by LuigiLikesPizza
Fri Nov 17, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: 401K & self employment retirement vehicles?
Replies: 4
Views: 292

Re: 401K & self employment retirement vehicles?

She's already maxing out her employee 401k, so I guess I see no reason for a second plan unless she planned to reduce (and I can see no reason why she would) her contributions to the 401K.
by LuigiLikesPizza
Fri Nov 17, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: 401K & self employment retirement vehicles?
Replies: 4
Views: 292

401K & self employment retirement vehicles?

My sister is a full time employee, maxing out her contributions to her employer's 401K plan. She recently started a very small side business in 2017 - in this business, she is an independent contractor performing occasional tasks for other businesses. She will receive 1099s at the end of the year, f...
by LuigiLikesPizza
Fri Nov 17, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1318

Re: ASUS Student Chromebook - thoughts?

I would also get a cellular enabled iPad/Chromebook unless you're planning on using wifi all the time or smartphone as a hotspot.

yes, an iPhone
by LuigiLikesPizza
Thu Nov 16, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1318

Re: ASUS Student Chromebook - thoughts?

He has a smartphone, but he's resistant to using it for certain apps (don't get me started lol)....he loves LAPTOPS :) Since he has the smartphone, is there any reason he would still need a cellular enabled laptop? ( He is planning to travel round trip across the US and portability is important...so...
by LuigiLikesPizza
Wed Nov 15, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1318

ASUS Student Chromebook - thoughts?

This looks it will hit the high notes for my 70 something dad as he travels across the country, but wants to stay in touch with the world along the way.


https://www.asus.com/us/Laptops/ASUS-Chromebook-C202SA/

Anyone here used one of these? My first time with this type and brand...
by LuigiLikesPizza
Wed Nov 15, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Maui Jim Sunglasses (or similar quality)
Replies: 14
Views: 1220

Maui Jim Sunglasses (or similar quality)

Where do you find the best prices on these? Thanks
by LuigiLikesPizza
Mon Nov 13, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Chromebook vs Windows 10?
Replies: 56
Views: 3922

Re: Chromebook vs Windows 10?

Just took the dive into a Chromebook a few weeks ago, based on the price and also my (teenage) daughters' positive experience at school with them. For the money (less than $200 in my case) it's a good deal.

Hi Cocker, do you mind if I ask which one you purchased? thanks
by LuigiLikesPizza
Sun Nov 12, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 2066

Re: Chromebook/Similar for Elderly Dad

Thanks... I tried to get him to use a iPad tablet - he hated it, claimed he really prefers a keyboard... but didn't like the iPad for other reasons as well. He will use it to check Facebook & Instagram so he can see grandkid photos. Needs to be able to adjust font size due to his aging eyes. He will...
by LuigiLikesPizza
Sun Nov 12, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Chromebook/Similar for Elderly Dad
Replies: 30
Views: 2066

Chromebook/Similar for Elderly Dad

Black Friday or Cyber Monday (whatever) is coming up and I am hoping to score a very reasonably priced, easy to use laptop for my dad.

Any brand and/or retailer suggestions are very very appreciated.

Thank you.
by LuigiLikesPizza
Sun Nov 05, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: International Bonds - Are they needed?
Replies: 11
Views: 856

Re: International Bonds - Are they needed?

As I come upon retirement in the next year or so, I've been moving my AA to favor bonds over stocks.

Toward that end, I've been wondering about exchanging some percentage of my Vanguard international stock fund for an international bond fund.

Anyone else done that?
by LuigiLikesPizza
Sun Nov 05, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: How to Label Plastic Boxes
Replies: 15
Views: 1055

How to Label Plastic Boxes

I need to label, for long term storage, heavy duty plastic boxes. I took white cards, marked the contents, then taped them onto the boxes using heavy duty clear packing tape. I covered the surface of the card and surrounded area, for good measure. Nevertheless, they are beginning to peel already. Do...
by LuigiLikesPizza
Mon Oct 30, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: MacBook Maintenance/Improvement - Running Slow
Replies: 16
Views: 1172

MacBook Maintenance/Improvement - Running Slow

Over the past few days, my Mac has become extremely slow and wonky, requiring me to Force Quit applications frequently. I run the Disk Utility/First Aid - and it helps a little, for a short amount of time - not sure what else to do and my understanding is that there is no software to be downloaded f...
by LuigiLikesPizza
Sat Oct 28, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Heavy Duty Boxes for long term storage
Replies: 6
Views: 588

Heavy Duty Boxes for long term storage

Downsizing from 1300 sq feet to 10 x 5 storage unit while I'm off traveling for a couple years. Only keeping what is treasured and cannot be replaced. Will be renting a climate controlled unit and hoping for the best...for example, some of these boxes will contain the art work of my now adult child ...
by LuigiLikesPizza
Sat Sep 23, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: International Bond Funds
Replies: 4
Views: 581

International Bond Funds

Please excuse the fact that I am not a sophisticated investor which shows by asking this question. I currently have about 30% of my equity allocation in a Vanguard Total International Stock fund. I am looking across my entire portfolio at the moment and I need to rebalance from to a lesser percentag...
by LuigiLikesPizza
Sat Sep 09, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: DVDs and Longterm Storage
Replies: 7
Views: 670

DVDs and Longterm Storage

I'm packing boxes for longterm storage while I transition to a new lifestyle, really trying to pare down my belongings. In the interim, I'll be mobile for a couple years. I keep staring at my box of movie DVDs. I've only collected the movies I love and there are about 100 of them. I am ready to toss...
by LuigiLikesPizza
Thu Aug 17, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 671

Re: Sales Tax Calculation when Buying Online

I heard back from the seller. They said they charge all U.S. buyers the highest sales tax rate (based on NY).. they offered to reimburse me.

So I guess the moral of the story is that they keep the difference unless some goofball like me calls them to ask about it.
by LuigiLikesPizza
Sun Aug 13, 2017 6:45 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 9240

Re: T-Mobile promotion for 55+

I pay just under that amount for a single line via Consumer Cellular.....but it's something of a hassle dealing with the shifting rate plans and having to monitor it in order not to overpay. I think I need to look into this.
by LuigiLikesPizza
Sun Aug 13, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Sales Tax Calculation when Buying Online
Replies: 10
Views: 671

Sales Tax Calculation when Buying Online

Almost all of my online shopping takes place at Amazon. Over the years, I've glanced at the sales tax calculation and it always looks accurate. Today, I placed an order online with a company that I believe is outside the US. I went to look at my invoice in my inbox after the purchase and noticed tha...
by LuigiLikesPizza
Sat Aug 12, 2017 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 10609

Re: When does renting make sense

When you can deduct a reasonably decent percentage of your rental expenses due to business use/home office - and it's far less complicated at tax time, than if you owned the home - unless I suppose if you plan to be in that home for a long time.
by LuigiLikesPizza
Wed Aug 09, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Honey app to save money on Amazon?
Replies: 2
Views: 617

Honey app to save money on Amazon?

Have any of you tried this app? Did it save money? any side effects, lol ? thanks