Search found 318 matches

by LuigiLikesPizza
Thu May 17, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1298

Re: Question for Federal Govt Retirees

Insightful commentary, thank you. I will definitely sign up for GE. Some of this does not relate to my situation (retiring after only 10 years of service). It is my intention to leave on a good terms, however, my organization is full of challenging personalities. Enough said on that. Everyone is rep...
by LuigiLikesPizza
Wed May 16, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Federal Govt Retirees
Replies: 20
Views: 1298

Question for Federal Govt Retirees

I am closing in on one year remaining, but plan to take a lot of leave during this last year, so it feels closer to me somehow. (Maybe I am just too anxious to leave) Did you take any specific actions in that last year to plan or prepare? (related to fed pay and benefits) My understanding is that I ...
by LuigiLikesPizza
Wed May 16, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 30
Views: 3016

Unique Phone Apps that you find yourself using most often?

The apps I seem to use most are those related to my banks, Lyft, Uber, Pandora....

I often use airline and hotel brand apps as well.

So here's my question - what apps am I missing out on related to finding travel deals, personal finance issues, miscellaneous.

Do you have favorite apps? Thanks
by LuigiLikesPizza
Wed May 16, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: General Delivery
Replies: 6
Views: 886

Re: General Delivery

Thank you. They won't be hiking. They will be driving from town to town. There is info online, I am trying to find out if it's actually reliable by reading about people's various experiences...still searching, thanks.
by LuigiLikesPizza
Wed May 16, 2018 5:54 am
Forum: Personal Consumer Issues
Topic: Planned Summer trip to the Finger Lakes. Suggestions?
Replies: 8
Views: 704

Re: Planned Summer trip to the Finger Lakes. Suggestions?

The summer season is a perfect time for that area. You could make a nice vacation by driving around the lakes and sampling each little town. There are scenic roads that follow the shores of the Finger Lakes. Miscellaneous, as an FYI: We found the wineries that dot the shores to be family friendly - ...
by LuigiLikesPizza
Wed May 16, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1102

Re: External Portable Hard Drive

Are you planning to use the external drive as an occasional backup device and keep your files on your internal disk, or is it meant be more or less permanently connected additional storage? For a backup drive I would not worry about getting an SSD. I have been using existing drive as occasional bac...
by LuigiLikesPizza
Tue May 15, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1102

Re: External Portable Hard Drive

My files consist of photos, some documents, maybe a short video or two - not movies if that's what you are referring to?


I just remembered - I am also looking to back up my iTunes library.
by LuigiLikesPizza
Tue May 15, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: General Delivery
Replies: 6
Views: 886

General Delivery

I have a friend who'll be going on an extended trip this summer. She will be mobile with friends across the US. Can I send her packages to locations where she will be, using General Delivery service? I have never done this and just heard about it today. For example, do I just put the town name and z...
by LuigiLikesPizza
Tue May 15, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: External Portable Hard Drive
Replies: 15
Views: 1102

External Portable Hard Drive

I'd like to purchase an external portable hard drive for my Mac Book. It's been quite awhile since I last made a similar purchase and I notice they just keep getting smaller (yeah!). Can anyone suggest a reliable, easy to use brand? Thank you. PS/ I am aware of cloud storage...let's not distract lol.
by LuigiLikesPizza
Tue May 15, 2018 5:29 am
Forum: Personal Consumer Issues
Topic: Moving Books
Replies: 7
Views: 634

Moving Books

Any suggestions for moving and storing books for an extended period? (couple of years). I was thinking cardboard banker boxes? Anyone try this? better suggestions? I was wondering if plastic boxes might invite moisture, not sure. They will be stored in a climate controlled unit. I recognize many wil...
by LuigiLikesPizza
Fri May 04, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 890

Re: Permanent Address for banking

amp - yes, this is the issue I was getting at - have no idea of the ramifications....has to be addressed somewhere given the apparently increasing trend of people to roam, even for work. As a side note, I am not sure the laws as written on the books contemplated this new mobile society. Problematic ...
by LuigiLikesPizza
Fri May 04, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 890

Re: Permanent Address for banking

Hi thanks, I am not referring to the ability to receive mail, I am referring to how banks generally define "permanent address" for a younger sibling who will be moving from location to location as part of her work career, generally 3-6 months and she would like to establish accounts with more than o...
by LuigiLikesPizza
Fri May 04, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 890

Permanent Address for banking

Does anyone know where I can find information regarding permanent address issues for digital nomads in the U.S.? thanks.
by LuigiLikesPizza
Tue May 01, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: I-bond fixed rate = 0.3%
Replies: 62
Views: 7122

Re: I-bond fixed rate = 0.3%

Asking an ignorant question - if a person is holding old I-Bonds paying much less and they are past the period for incurring penalties, why would they continue to hold? why not cash them out and buy later ones with better return rates?
by LuigiLikesPizza
Tue May 01, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Asheville, NC Visit
Replies: 20
Views: 1848

Asheville, NC Visit

Heading to Asheville NC this summer for a concert. We'll have some flexibility in our schedule, anything else we should check out while there? We're granola types, love the outdoors, so looks like we'll fit right in.

Thanks
by LuigiLikesPizza
Tue May 01, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1663

Re: Would Roth Conversions be worthwhile for me?

Again, thanks to all. I got very excited for a hot second, thinking there was another fed employee early retirement program I was not aware of. Since I'll only have 10 years in, I don't see any way of getting around the unreduced pension. Nice try thanks for the momentary excitement lol. I have many...
by LuigiLikesPizza
Mon Apr 30, 2018 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1663

Re: Would Roth Conversions be worthwhile for me?

bumping with the additional information provided, thank you.


PS - Dan - what calculator are you referring to?

Thanks all again.
by LuigiLikesPizza
Sun Apr 29, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Elimination of unreimbursed employee expenses means no need to keep receipts?
Replies: 4
Views: 654

Re: Elimination of unreimbursed employee expenses means no need to keep receipts?

I have to imagine this is a big loss to those employees whose employers do not provide any office space and yet they are required to live within a certain radius of X location (thinking high cost of living areas).
by LuigiLikesPizza
Sun Apr 29, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1663

Re: Would Roth Conversions be worthwhile for me?

Thanks all. How big are your TSP, Roth, and Taxable accounts? TSP - $800K Roth - $250K Taxable - $300K Do you have a federal pension? y es, but retiring early under special plan for employees who reach age 56 + 10 years of service, early retirement Are you sure you are not getting the FERS supplemen...
by LuigiLikesPizza
Sun Apr 29, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Would Roth Conversions be worthwhile for me?
Replies: 18
Views: 1663

Would Roth Conversions be worthwhile for me?

Planning to retire next year at 58. I have a 401k (actually Fed. Govt TSP account) along with an existing Roth and taxable account. No Traditional IRA. I expect my income to plummet in the years immediately following retirement, to about $20K/year, not counting withdrawals from accounts. A few years...
by LuigiLikesPizza
Thu Apr 26, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Closing In
Replies: 21
Views: 2036

Re: Retirement Closing In

You say you are getting cold feet — exactly what about your retiremt makes you anxious or unsure? It's very likely (sorry if this sounds obvious) psychological. I was raised barely above poverty, so maybe, no matter how much one has, the fear of reverting doesn't go away. The idea of not having ear...
by LuigiLikesPizza
Thu Apr 26, 2018 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Closing In
Replies: 21
Views: 2036

Re: Retirement Closing In

How much are your annual expenses? For the past several years, I've been able to live on 50K yr in a HCOL. - not counting income taxes or retirement fund contributions. I am planning to move to a LCOL, so I estimate I will continue to live on $50K yr with the ability to spend more on travel. Seems ...
by LuigiLikesPizza
Thu Apr 26, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Closing In
Replies: 21
Views: 2036

Re: Retirement Closing In

Are you thinking that you should shift into fewer equities? Or what?

I don't know what I am thinking, to be honest. Its approximately 40 % stocks to 60% bonds, which is not that atypical for a person retiring into their 6th decade.
by LuigiLikesPizza
Thu Apr 26, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Closing In
Replies: 21
Views: 2036

Re: Retirement Closing In

How much does pension income cover of you annual expenses?

I can meet expenses just based on income from investments, but it would be a middle class lifestyle (not that there's anything wrong with that).

The pensions and Soc Sec. income will push me into the ranks of upper middle class lifestyle.
by LuigiLikesPizza
Thu Apr 26, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Closing In
Replies: 21
Views: 2036

Retirement Closing In

Retirement is planned for 2019 at age 58. Starting to get cold feet, would appreciate any outside/objective views or comments on my situation - any tweaks I can make or blind spots that should be pointed out. Single, no debt, a renter. Have accrued 25 X expenses BEFORE Social Security and Pension in...
by LuigiLikesPizza
Thu Apr 26, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Perils Of Old Age
Replies: 94
Views: 10875

Re: Larry Swedroe: Financial Perils Of Old Age

My grandmother passed away last evening, at age 96, so this topic is timely and painful for me, having witnessed her sharpest decline over the past 6 years. I would say that once she entered nursing care at age 90, she lost her quality of life, her body kept functioning well after her mind had deser...
by LuigiLikesPizza
Thu Apr 26, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: The Paperless Life
Replies: 45
Views: 4057

The Paperless Life

I bank online and have gone paperless here and there, but now in full gear trying to streamline and go paperless everywhere as I'll be mobile for several months. I've never had a problem getting a hold of a 2-3 year old statement or tax related info - but have never tried to go back farther - like 5...
by LuigiLikesPizza
Mon Apr 23, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Taxable Account to Vanguard to consolidate
Replies: 4
Views: 468

Transferring Taxable Account to Vanguard to consolidate

I am in the process of consolidating account and would like to transfer my taxable Ameritrade account to Vanguard. The only real concern I have is with capturing the cost basis information at the point of transfer because I am not sure that type of data flows through to the next broker (?) Anyone be...
by LuigiLikesPizza
Sat Apr 21, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 270
Views: 41876

Re: TLH for absolute dummies [Tax Loss Harvesting]

RE: the issue of short term versus long term losses: For the past few years, I’ve made new contributions only to my tax-advantaged accounts. New money coming into my taxable accounts has consisted only of quarterly contributions from dividend payments. In short, I guess this means most shares sold a...
by LuigiLikesPizza
Tue Apr 10, 2018 1:04 pm
Forum: Personal Consumer Issues
Topic: Porting a Landline Phone Number to Wireless?
Replies: 7
Views: 544

Porting a Landline Phone Number to Wireless?

I want to give up my landline and go with a second cell line/number for business purposes. Does anyone know if it's possible to port a landline number to a cellphone? does it have to be the same provider - for example, a company that offers both like AT&T or Verizon? I want this change to not be not...
by LuigiLikesPizza
Tue Feb 13, 2018 12:26 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 10633

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

Some FAs devise their own templates that they give to their prospective clients prior to the first real session. It allows them to get the picture in a format that is clear to them, without distractions of narrative that is not applicable, etc. Just a thought. I realize this is all voluntary, so lik...
by LuigiLikesPizza
Sun Feb 04, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1759

Re: Age Related Discounts?

55+

thanks
by LuigiLikesPizza
Sun Feb 04, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Night Vision Glasses
Replies: 16
Views: 2053

Night Vision Glasses

I've noticed that even though I maintain my vision, get check-ups, etc. as I age, I am increasingly reluctant to drive at night - my vision just doesn't seem to as sharp as it used to be. It's not so much a problem obviously in well lit areas, but I live in an area where there are few if any street ...
by LuigiLikesPizza
Sun Feb 04, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: Age Related Discounts?
Replies: 20
Views: 1759

Age Related Discounts?

Are you aware of any for certain categories? eg. hotels, restaurants, insurance, etc.?

Anyone know of a site that lists these?
by LuigiLikesPizza
Thu Jan 18, 2018 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Floating Rate Income Funds
Replies: 6
Views: 588

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: 35
Views: 3487

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: 588

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: 400

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: 400

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: 8662

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: 358

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: 1247

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: 1247

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: 341

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: 341

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: 126
Views: 17656

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: 4783

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: 626

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: 4730

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: 442

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...