Search found 114 matches

by TresBelle65
Sat Apr 21, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 85
Views: 5928

Re: What have you baked recently?

Tzimmes
by TresBelle65
Sat Apr 21, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 11
Views: 600

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

Said another way it’s somewhat better to offset Income than to offset long term gains If one is not many years away from an expected income drop such as in retirement, and doesn't plan to start taking withdrawals from taxable accounts until after such time, it seems the tax break now is more advant...
by TresBelle65
Sat Apr 21, 2018 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 11
Views: 600

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

I hold VTSAX and VTIAX in my 401K - as well as in my taxable account. In order avoid wash sale problems, would it be as simple as not making any further purchases into those 401k funds for 30 days prior to and/or after executing a TLH exercise - OR - does this mean that if I want to start TLH whenev...
by TresBelle65
Sat Apr 21, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 61
Views: 5160

Re: New retirees: so whatdayathink ?

I'm curious about the Epsom salt baths. In our family, we've used them in the case of sprained ankles, but nothing more.

What are the other benefits?
by TresBelle65
Sat Apr 21, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 79
Views: 8250

Re: Pension Freeze - What did you do?

I had 16 years in when Megacorp did it to me (all of us), along with killing any healthcare benefits in retirement for anyone under the age of 50. What did I do? Started coming in later each day and leaving earlier. Stopped caring about the outcome of almost anything related to the company. Started ...
by TresBelle65
Sat Apr 21, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 11
Views: 600

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

Thank you.

I'd like to make note of this write-up:

https://www.physicianonfire.com/tax-los ... -vanguard/

If I'd only found this as my first learning resource, I'd have saved myself quite a bit of confusion.

HIGHLY recommended reading for beginners on the topic.
by TresBelle65
Fri Apr 20, 2018 5:25 am
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 891

Re: Pls recommend a cell phone for secondary use

Thank you for the suggestions and advice.

I will also look into Google Voice. Out of curiosity, how does the second phone line distinguish itself with voice use and text use on the same screen?
by TresBelle65
Fri Apr 20, 2018 2:13 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and a new, small business
Replies: 0
Views: 166

Taxes and a new, small business

I'm transitioning to retirement from a long time career. I've started a new, very small part-time side business as something I would like to grow and eventually keep me busy at a minimal level, once retired. I am paid as a 1099 independent contractor by the companies that hire me. I am just getting ...
by TresBelle65
Thu Apr 19, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2543
Views: 476850

Re: What's Your Credit Card Rewards Strategy?

Next month, I will finally be under 5/24. I plan to apply for the Chase Sapphire Reserve. That will put me back at 5/24 again. I am wondering about any great cards in the past 24 months I have missed out on that I should be looking at now? Perhaps cards that count toward 5/24, but are still approved...
by TresBelle65
Thu Apr 19, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Pls recommend a cell phone for secondary use
Replies: 11
Views: 891

Pls recommend a cell phone for secondary use

My current personal cell phone is an iPhone that I really like and it has all the features I use and enjoy. I need a secondary cell phone for business calls. I need to keep those calls and texts separate from the personal calls and texts. I conduct 90% of my business online, so this phone won't see ...
by TresBelle65
Sun Apr 15, 2018 2:43 pm
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 126
Views: 16697

Re: Tipping for restaurants where you order at the counter

One thing I loved about Italy. The service profession appears to be an honorable one and not looked down upon as it is here in the US as the unskilled person's job. Tips are not expected because that's not how they're compensated there. Of course, now the tips that are added on screen are going to t...
by TresBelle65
Sun Apr 15, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Securing long term storage boxes
Replies: 1
Views: 176

Securing long term storage boxes

I am putting some items away in longer term storage. I am concerned about some of the items I am storing. They are adequately wrapped to avoid breakage, but I wondering if an extra layer of protection would be to wrap the boxes themselves in gorilla tape or perhaps use bungee cords. The box lids sna...
by TresBelle65
Sun Apr 08, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 11
Views: 600

Re: TLH, first steps using Wiki guidance, quick (hopefully) question

With my Vanguard taxable account, I only have mutual funds.

With my Ameritrade taxable account, I have a combination of funds and ETFs.

I will go see what I can find searching around on those sites. Thanks.
by TresBelle65
Sun Apr 08, 2018 1:08 pm
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 6
Views: 797

Re: Relocation to Atlanta

Thanks going to look at a map to see also how close these are to I-20. Thanks again
by TresBelle65
Sun Apr 08, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Relocation to Atlanta
Replies: 6
Views: 797

Relocation to Atlanta

My brother and his wife are relocating from the DC area to the Atlanta area. They mostly telework, so they have some location flexibility. They need to be able to get to Hartsfield airport with little hassle due to business travel requirements. The complicating factor is they are moving mostly due t...
by TresBelle65
Sun Apr 08, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: TLH, first steps using Wiki guidance, quick (hopefully) question
Replies: 11
Views: 600

TLH, first steps using Wiki guidance, quick (hopefully) question

I'm ready to start employing this if I can. I've read over the threads and Wiki a couple of times trying to get my head around the details, got the concept. Step 0 says: I GNORE THIS STEP FOR NOW if you are a newish investor whose Initial Fund currently has a cost-basis method of "average cost" and...
by TresBelle65
Sat Apr 07, 2018 9:13 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1169

Re: Car sideview mirror

Thank you. 2013 Toyota RAV4, it's adjusted manually.
by TresBelle65
Sat Apr 07, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Odd Letter from Citibank Vis a Vis Checking Act bonus
Replies: 5
Views: 942

Re: Odd Letter from Citibank Vis a Vis Checking Act bonus

I now stay away from Citi, HSBC and BofA. More trouble than they are worth.

I am kind of curious now about this sudden desire to make things right. I will google around, thanks
by TresBelle65
Sat Apr 07, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1169

Re: Car sideview mirror

It's a 2013 Toyota....I've never bought parts before...so I will look around, thanks.
by TresBelle65
Sat Apr 07, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Odd Letter from Citibank Vis a Vis Checking Act bonus
Replies: 5
Views: 942

Odd Letter from Citibank Vis a Vis Checking Act bonus

A few days ago, I received a letter from Citibank about a checking account I opened and closed in 2016. The letter says that I was never paid a promotional bonus on that account (several hundred bucks) and that a check for the bonus will arrive in on or about 15 business days. The letter appears ver...
by TresBelle65
Sat Apr 07, 2018 6:47 am
Forum: Personal Consumer Issues
Topic: Car sideview mirror
Replies: 25
Views: 1169

Car sideview mirror

Someone came along and clipped one of the sideview mirrors on my car while it was parked in the parking lot. It's not all the way off, but it wobbles and is not stable, so it needs to be replaced. I'll be taking it to a Toyota dealer to get it fixed. Any guesses as to how much a fix like this will c...
by TresBelle65
Sun Mar 25, 2018 10:19 am
Forum: Personal Consumer Issues
Topic: 5/24 rule for rewards credit cards - bunching applications
Replies: 31
Views: 3146

Re: 5/24 rule for rewards credit cards - bunching applications

I will be eligible for the Chase Sapphire Reserve in a couple months when I go under 5/24 to 4/24. I plan to apply for it and of course that will then put me back to 5/24. I believe there are other coveted Chase cards that have the same requirement. Does this mean I will be precluded from those sinc...
by TresBelle65
Wed Mar 21, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Going Sideways/Weird Shipment Problems
Replies: 66
Views: 5426

Re: Amazon Prime Going Sideways/Weird Shipment Problems

I started noticing issues and contacted them. I was told that it was due to a re-ordering of carrier priority, favoring USPS. They switched it UPS and things improved.

Of course, I wondered how the switch was made in the priority listing and did not receive an answer to that question.
by TresBelle65
Tue Mar 20, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14263

Re: Large life style creep that was completely worth it

Moving to a nice building where the management takes care of nearly everything for me, allowing me more time (and arguably more money) to focus on other things that matter to me.
by TresBelle65
Sun Mar 18, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 8999

Re: Do you rent even if you can afford to buy?

I have looked into this option and it appears hotels cost about $200 per night or about $6k a month. Do you find rates are lower when you rent long term such as a month? How do you negotiate those rates? If you contact the hotel directly, the management will often negotiate long term rates that are...
by TresBelle65
Sun Mar 18, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax/How to account for 2017 payment?
Replies: 4
Views: 329

Turbo Tax/How to account for 2017 payment?

Toward the end of 2017, I received some side income, not related to my job, that I did not anticipate earlier in the year. I did not adjust my withholding since my employer is notoriously slow to process. I decided instead to send an estimated payment to the IRS. Now, here I am preparing 2017 taxes ...
by TresBelle65
Mon Mar 12, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Switching brokers for TLH? make sense?
Replies: 10
Views: 711

Re: Switching brokers for TLH? make sense?

What started me thinking about it was a thread I found here at Boglehead titled " Tax Loss Harvesting for Dummies" - I think it was over 30 pages long! If Dummies like me can do it correctly, I had to wonder why it took over 30 pages for the Bogleheads to hash it through. Some of those posts were bo...
by TresBelle65
Mon Mar 12, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Switching brokers for TLH? make sense?
Replies: 10
Views: 711

Switching brokers for TLH? make sense?

My taxable account is with Ameritrade, comprised of low cost, broad index funds - total market, international, etc. Would it make any sense to put this account under management by Betterment (or one of their competitors) in order to take advantage of tax loss harvesting? I am working full time and m...
by TresBelle65
Mon Mar 12, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18521

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Several posts have touched on the huge amount of work and stress involved planning and managing these events. Is this not what event planning firms are for? I am not familiar with how much they charge, but if their fees were rolled into the price per attendee, I am guessing many would still find it ...
by TresBelle65
Sun Mar 11, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18521

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

I would like to be added to any waiting list, regardless of how long it has grown. I second the many great suggestions already made up the thread. If a second or alternative conference is planned, I am interested. Actually, are there any other groups that hold similar personal finance conferences? T...
by TresBelle65
Thu Mar 08, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Is near FI + Employment almost as good as Retirement?
Replies: 39
Views: 4371

Re: Is near FI + Employment almost as good as Retirement?

I was just thinking about this the other day and for me, no. I have it about as good as you can get it. Very secure job, somewhat hands off management, telework nearly full time, good salary, good benefits, good work life balance...probably overall the best work life balance of my whole career and y...
by TresBelle65
Mon Mar 05, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3573

Re: Etiquette of hanging up on live telemarketers

My MO was to ask if they were in the middle of dinner. They'd respond with a negative. I'd then ask for their phone number so I could call them back during dinner so they could see how it felt.
by TresBelle65
Mon Mar 05, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

Obviously, the lowest risk scenario would be for you to have marriage cover what you will be giving up...i.e. spousal federal health insurance, etc.
by TresBelle65
Sun Mar 04, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

I'm willing to bet this is much ado about nothing. The federal employees I see and know are pretty tightly monitored. They're getting what they're entitled to by policy and nothing more. I wonder why people don't focus more on waste, fraud and abuse where it really happens. This reminds me of standi...
by TresBelle65
Sat Mar 03, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

Managers know _exactly_ who on their staff "burn" sick leave as additional PTO and which ones don't. The distribution is quite binary

Especially for those who are using it to recover from burnout resulting from uncompensated overtime.
by TresBelle65
Sat Mar 03, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: [Manuka honey]
Replies: 36
Views: 2602

Re: [Manuka honey]

The studies comparing the medical benefits of certain types of honey versus conventional medicine are easily found online.

I am very surprised this thread is still allowed to be active after so many days lol.
by TresBelle65
Fri Mar 02, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

As a taxpayer, I regard using hundreds of hours of sick leave in the few months prior to retirement as abuse or even fraud. Sick leave is for being sick. Actually, it's intended to cover several different types of situations, in addition to employee illness. Bereavement, medical appointments, denta...
by TresBelle65
Mon Feb 26, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Roofstock
Replies: 5
Views: 843

Re: Roofstock

Thank you, I will check out Bigger Pockets for more in depth discussions about this topic.
by TresBelle65
Mon Feb 26, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 10
Views: 590

Re: Audio Recording

Sandrap, thanks for bringing the SONY to my attention. I read the reviews and data points on Amazon. This looks perfect.
by TresBelle65
Mon Feb 26, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

Please be aware that as a Federal retiree, health care premiums will no longer be pre-tax once you retire. From OPM: "Premiums are paid on a pre-tax basis (premium conversion) if you are an active employee and your salary is sufficient to make the premium withholding. Pre-tax premiums are not avail...
by TresBelle65
Mon Feb 26, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Roofstock
Replies: 5
Views: 843

Re: Roofstock

Any updates on this? Any Bogleheads that are roofstock investors? Looks like they are the property managers, you are the investor only.
by TresBelle65
Sun Feb 25, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 10
Views: 590

Re: Audio Recording

He's aware of it, has no problems with it.
by TresBelle65
Sun Feb 25, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 10
Views: 590

Re: Audio Recording

She has tried her smartphone. It does not appear to be sound activated...so she ends up having to try to bypass recorded "dead space"

Thanks
by TresBelle65
Sun Feb 25, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

A lot of valuable references and information here, thank you so much. $30K annual limit on dental expenses? I feel pain just thinking about that much dental work in one year. Speaking of that, I am now in a HCOL area and am considering having the same work done by competent dental professionals outs...
by TresBelle65
Sun Feb 25, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Audio Recording
Replies: 10
Views: 590

Audio Recording

My daughter has learning issues which make large class lectures a challenge for her. She noticed other students in the room using small recording devices and she verified, audio recording is legal in this location. The problem is the other students report that the devices fail often/are not reliable...
by TresBelle65
Sat Feb 24, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do you rent even if you can afford to buy?
Replies: 82
Views: 8999

Re: Do you rent even if you can afford to buy?

I rent hotel suites by the month, sometimes even only for a week or night depending on where I am- lol. My personal items are mostly in storage. I chose this for several reasons, I am retiring soon and don't know where I will move next when I stop working, I got tired of apartment living, moving aro...
by TresBelle65
Sat Feb 24, 2018 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

MRA + 10 works out well for me since I am already eligible for a pension from a previous employer, have 30X saved, Soc Sec coming down the line of course and the MRA+10 gives me health insurance I can carry 7 years until eligible for Medicare. In this scenario, working another 4 years until 62 just ...
by TresBelle65
Sat Feb 24, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Re: Federal Employees, leading up to retirement?

I've never heard of this ability to request a "retirement estimate". Wondering who I should ask at my agency? Payroll? hmmmm

I need to keep it quiet, they would be shocked to know I do not plan to stay any longer.
by TresBelle65
Sat Feb 24, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees, leading up to retirement?
Replies: 109
Views: 7491

Federal Employees, leading up to retirement?

I'm a fed planning to retire next year, with MRA + 10. What actions did you take in your final year or months leading up to retirement? for example - accelerate any dental or medical treatments? accelerate leave for any reason? how far in advance did you file your paperwork and let your management k...
by TresBelle65
Sat Feb 24, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 10137

Re: What's your cash position

I'm at 50% as well. Retiring soon, why keep playing? sitting at 30x not counting pensions or SS.

Actually, when I first saw the question, it reminded me of early stage dating, lol.