Search found 137 matches

by lynneny
Sun Feb 18, 2018 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 70
Views: 4817

Re: Effect of spending money on appearance in career

OP, you've gotten some good advice here, and I'd suggest you also ask your question on the Corporette site, which offers fashion, lifestyle and career advice for professional women. Your question is one that posters there discuss often, and many of them are in, or have been in, a similar position.
by lynneny
Sat Feb 17, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 77
Views: 3868

Re: Best plants to grow to save money for food costs

Re CSAs: Around here, several people often split a single CSA share. Besides being more affordable, the week's CSA doesn't go to waste if you go on vacation. Plus there are always weeks when your CSA is a vast amount of one or two things like kale or turnips, so you want to have others to split that...
by lynneny
Sat Feb 17, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 24
Views: 1913

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Thank you for all the ideas and insights! Good to know about Ally and Interactive Brokers, and I'll definitely open a local currency account at a bank in Mexico, and only transfer money into pesos as needed. Diogenes, thank you for the great tips about Traveling Mailbox and Google Voice. I do want a...
by lynneny
Sat Feb 17, 2018 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 24
Views: 1913

Re: Retiring abroad. Move taxable/checking accounts to Schwab?

Thanks, that's just the kind of feedback I was hoping for. It's very reassuring that you've had such a good experience with the Schwab One International account as an expat. I appreciate the link to your calculator. I'm just starting to figure out Schwab ETFs. It will definitely make sense to (gradu...
by lynneny
Fri Feb 16, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring abroad. Move taxable/checking accounts to Schwab?
Replies: 24
Views: 1913

Retiring abroad. Move taxable/checking accounts to Schwab?

I “surprise” retired at year end, in a megacorp layoff. At 61, I’d hoped to work a couple more years, but will start a little earlier on the retirement plan: move from HCOL U.S. city to a warmer, LCOL area. I’ve picked Mexico. It’s harder now for American expats to keep their financial accounts than...
by lynneny
Fri Feb 16, 2018 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10251

Re: Did you learn anything from the market correction?

Yes, I did. I planned to reduce my long-time 60/40 asset allocation to 50/50 by the time I retired. I failed at that because 1) the stock market went up so much the last couple years that even though I kept rebalancing, my AA stayed at about 60/40; and 2) I was laid off at the end of the year, so re...
by lynneny
Tue Jan 30, 2018 12:51 am
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 64
Views: 5508

Re: Should I Do My Own Taxes Or Pay A CPA $500?

Thanks for the responses on which Turbotax to get. I'll go for the desktop/download version rather than the online one.
by lynneny
Mon Jan 29, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: Should I Do My Own Taxes Or Pay A CPA $500?
Replies: 64
Views: 5508

Re: Should I Do My Own Taxes Or Pay A CPA $500?

Not the OP, but you guys have inspired me to try doing my own taxes this year rather than looking for a new tax accountant (mine just retired). I found Turbotax via Vanguard site, noted that I should probably pick Deluxe edition, but am stumped by the next decision: Desktop or Online version? I don'...
by lynneny
Fri Jan 26, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5451

Re: Do we need an emergency supplies kit (go bag)?

This is fascinating, and depressing. I live in a big city, and don't have a car, so there's a limit to how much stuff I can flee with on foot and carrying cats. Or pack in advance. It's not like I can keep my two cats in their carriers, just in case. Here is my big precaution: I always have a pair o...
by lynneny
Sun Jan 21, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 37
Views: 3605

Re: Preparing for a lay off - what steps to take now

I sadly know all about severance now. At 61, I was laid off in mid-December after 30 years at megacorp. In case this helps OP: Our severance (capped at 20 weeks, unfortunately for me) is paid twice monthly, as my salary used to be. Social security/medicare and income taxes are deducted, just like wi...
by lynneny
Thu Jan 18, 2018 12:50 am
Forum: Personal Finance (Not Investing)
Topic: To the doctors on the forum
Replies: 88
Views: 5300

Re: To the doctors on the forum

I understand that doctors can't give me a price list, for all the reasons previous posters have cited -- and I wouldn't want to waste the precious ten minutes or so I have with the doctor asking about billing anyway. Plus I'd rather a doctor be able to focus on saving my life rather than pricing iss...
by lynneny
Thu Jan 18, 2018 12:06 am
Forum: Forum Issues and Administration
Topic: [New forum request] International investing and US non-resident section
Replies: 36
Views: 3196

Re: [New forum request] International investing and US non-resident section

I'm an American who will be retiring to either Mexico or Portugal in the next year. I love Bogleheads, and learn so much here. I can already tell that I'll have questions as I try to wrap my head around leading a very different financial life outside the U.S., and it would be wonderful to tap into t...
by lynneny
Wed Jan 17, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: A "Home" cell phone?
Replies: 53
Views: 4906

Re: A "Home" cell phone?

Would Google Voice work overseas? And still be free? I travel a lot internationally and have to pay $10/day for AT&T's international service so I'm wondering if GV is an option. Separately, I keep a landline because 1) reception is better at home than on my cell and 2) it still works when storms tem...
by lynneny
Wed Jan 17, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1389

Re: TSA locks for luggage

I put anything that's of value and/or not replaceable, plus clothes for the first couple days, in my fancy Briggs & Riley carry-on bag. Everything else goes in an old, worn, unlocked checked bag. I have no idea if TSA or potential thieves have ever rifled my checked bag, but so far they've shown no ...
by lynneny
Tue Jan 16, 2018 2:32 am
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 53
Views: 3220

Re: PTO policy after international business travel

I've done a lot of international business travel, and have trouble sleeping on planes and adjusting to major time zone changes, so I sympathize with the OP. What works for me is taking Ambien the first three nights in Asia or Europe, and the first three nights back in the U.S. after an Asia trip. (R...
by lynneny
Fri Jan 05, 2018 1:19 am
Forum: Personal Consumer Issues
Topic: Airbnb - Guide a beginner
Replies: 28
Views: 2814

Re: Airbnb - Guide a beginner

I Airbnb every year in Mexico. Maybe I'm just lucky, but I've had wonderful experiences. I also used to live in Latin America, so I may feel more at home than the average visitor. I only Airbnb a place that has many, detailed reviews that I read very carefully. I look for specific phrases like "imma...
by lynneny
Fri Dec 29, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 4345

Re: is using HSA as investment vehicle worth the trouble?

I max out my HSA contributions every year, and am saving it all for retirement. As a single person who didn't get an HSA-eligible health plan until I was in my 50s, I don't think I'll end up with such a huge balance that I can't spend it all on healthcare in retirement. To minimize paperwork, I just...
by lynneny
Sat Dec 23, 2017 1:36 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 21330

Re: Do you see a meaningful change in your income with new Tax Bill?

I'll be selling my home in 2018, so my biggest concern is how property values may be impacted. I live in a HCOL area, where itemizing high mortgage interest, SALT and property taxes is a big deal. I'm concerned my home will be worth less to buyers who can no longer recoup some of those costs in the ...
by lynneny
Thu Dec 21, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51031

Re: Can I pre-pay 2018 mortgage and deduct interest on 2017 taxes?

Thanks for referring me to the "tax omnibus" mega-thread, CAsage. I don't know how I missed that one. Looks like one poster was told by his bank that he could make January and February mortgage payments before the end of the year, so I'll call BoA tomorrow and see if they allow that too. And then ho...
by lynneny
Thu Dec 21, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 51031

Can I pre-pay 2018 mortgage and deduct interest on 2017 taxes?

I've been following the debates about whether we can pre-pay certain taxes, and take the deduction on our 2017 taxes, since this is the last year many of us will be itemizing. I understand that I can't pre-pay 2018 SALT taxes (although I can make an estimated payment now for any state/local tax liab...
by lynneny
Fri Dec 08, 2017 1:46 am
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 30
Views: 2420

Re: Holiday Tipping

Our apartment building in NYC (but not in Manhattan) has about 330 units and 16 employees. I usually tip the super $50, 5 doormen $40 each, 2 handymen $20 each (because I tip them generously throughout the year each time they come to my apartment to do a minor repair) and 8 porters $15 each. So abou...
by lynneny
Wed Nov 29, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: How much to tip movers?
Replies: 71
Views: 7123

Re: How much to tip movers?

I've never had issues with movers stealing anything, but then I don't have any power tools. I guess most movers don't covet designer shoes.

I tip moving guys $50 per person.
by lynneny
Fri Nov 03, 2017 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: HSA reimbursement post retirement
Replies: 24
Views: 1815

Re: HSA reimbursement post retirement

Regarding proving to the IRS that you were entitled to have an HSA with your high-deductible plan, if the HSA was offered through your employer, and HSA contributions were deducted pre-tax via payroll, wouldn't that be proof enough for the IRS that you had a legitimate HSA account?
by lynneny
Thu Nov 02, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 8266

Re: Does Retirement Make You Lazier?

Not retired yet, but certainly hoping to become lazier when I do retire. I've never been a morning person, and I can't wait to get rid of my alarm clock and sleep later. And after years of most of my waking hours being overscheduled and rushing to meet deadlines, I love the idea of being able to dec...
by lynneny
Mon Oct 30, 2017 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roth 401K to diversify retirement income?
Replies: 11
Views: 725

Re: Roth 401K to diversify retirement income?

There are so many unknowns in the future that I just decided to go for tax diversification. When our retirement plan started offering a Roth 401(k) option last year, I split my 401(k) contribution between the tax-deferred and the Roth options. (I also fully fund a Roth IRA and an HSA). I'll only hav...
by lynneny
Tue Oct 24, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard website down or is it just me?
Replies: 4
Views: 484

Re: Is the Vanguard website down or is it just me?

I think it's you. I just logged in, at 1:08 EST.
by lynneny
Tue Oct 24, 2017 12:07 am
Forum: Personal Finance (Not Investing)
Topic: Wish List
Replies: 12
Views: 1587

Re: Wish List

What a great idea to do an annual wish list (I may steal that idea). Sounds like you can afford to do all of it, but if you are ages 70 and 66, I would prioritize the travel. Those seem like fun, active trips that would be meaningful to you, and we never know how long we'll be fit enough for active ...
by lynneny
Thu Oct 12, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Career Options after Marketing
Replies: 6
Views: 672

Re: Career Options after Marketing

I'd second the suggestion to either return to a tech company--Facebook and Google alone hire hundreds of people in marketing (although there's often a sales element to those jobs)--or look at an advertising agency. Ad agencies frequently hire from the client side, and it's a much faster-paced indust...
by lynneny
Wed Oct 11, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 3076

Re: Social Security Card - Should I get a Replacement

I've wondered about this too. My Social Security card went missing when I left home after college. I'm 61 now, and have never been asked for it, so I haven't bothered replacing it. I don't really want to carry around as ID a document that has my social security number on it. I did call Social Securi...
by lynneny
Sat Oct 07, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Trying to convince my sister not to use a financial advisor
Replies: 59
Views: 4896

Re: Trying to convince my sister not to use a financial advisor

I was your sister. I knew nothing about investing, and went to a pricey financial advisor and paid the outrageous fees. But you know what? It was an education. I was lucky he put me in index funds, mostly Vanguard, and patiently explained things like what's a bond fund and what's an asset allocation...
by lynneny
Fri Oct 06, 2017 10:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Freeze - What did you do?
Replies: 71
Views: 6378

Re: Pension Freeze - What did you do?

I'm sorry to hear about your pension, OP. I was very upset, too, when this happened at our company. In 2004, our company closed the pension plan to new employees, and had the rest of us choose whether to stay in the pension plan, or switch to a rewards program in which the company would put between ...
by lynneny
Mon Oct 02, 2017 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 6137

Re: Would you take a pay cut to work from home?

I'm in the minority here, but I'd say go for it, OP. To me, one of the most important things you said is that you've lived all your life in the same state, and really want to try somewhere different. The new work-from-anywhere job seems like the ideal opportunity to try at least one new place, and m...
by lynneny
Mon Sep 18, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 14034

Re: Why is TransUnion pushing True Identity vs credit freeze?

Thanks Nisiprius, that's a very helpful explanation.

I think I like the idea of interfering with Equifax's business of selling my information :)
by lynneny
Sun Sep 17, 2017 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1469

Re: Experian takes money but doesn't Freeze

I had the opposite experience on Friday; Experian let me choose a pin and confirmed my credit was frozen, but didn't ask me for money.

Both Equifax and TransUnion told me to try again later.
by lynneny
Sun Sep 17, 2017 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 14034

Re: Why is TransUnion pushing True Identity vs credit freeze?

Thanks for the replies, I think I'll go with the credit freeze, too.
by lynneny
Sat Sep 16, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 14034

Why is TransUnion pushing True Identity vs credit freeze?

When I tried to freeze my credit at TransUnion, they tried to persuade me to instead sign up for their True Identity product, making it sound like it's just like a credit freeze, but free. The freeze would cost $15. So why does TransUnion want me to use their free product, rather than the one they c...
by lynneny
Wed Sep 13, 2017 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 4162

Re: Relocate for Early Retirement?

I'll likely retire in about two years and will definitely relocate. I love NYC, but it's very HCOL, and I moved here about 15 years ago for my job, so my family and oldest friends aren't nearby. After extensive research, I'll probably retire to either Mexico or Portugal. (I worked in Latin America a...
by lynneny
Sat Sep 02, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Question about pension and risk
Replies: 36
Views: 2474

Re: Question about pension and risk

My position is somewhat different. I'm a couple years from retirement, and will be living entirely from savings (401(k) and taxable accounts) for the first few years. At 65, a small non-COLA pension will start, and will cover about 30% of expenses. At 70, I'll start Social Security, and that'll cove...
by lynneny
Wed Aug 30, 2017 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 10205

Re: Living Expenses - what's "reasonable"?

I calculated my living expenses a while ago to help me figure out whether I can afford to stay in my HCOL city after I retire. So, to cover my living expenses I need $5,000/month AFTER taxes and EXCLUDING healthcare. I know healthcare will be a much bigger expense when I'm paying for it all myself; ...
by lynneny
Sun Aug 27, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Should I abandon airline credit cards for cash back?
Replies: 34
Views: 3354

Re: Should I abandon airline credit cards for cash back?

I switched a few years ago to 2% cash back, credited to my credit card balance every time the cash back reaches $100. Agree with others that trying to get frequent flyer awards is doable if you have time to pursue it as a hobby + flexibility, but I don't. My international business travel is almost a...
by lynneny
Thu Aug 24, 2017 10:13 pm
Forum: Personal Consumer Issues
Topic: Any veterinarians that can quickly weigh in re: estimate?
Replies: 39
Views: 4468

Re: Any veterinarians that can quickly weigh in re: estimate?

Hi OP, Hope your cat is doing well. A lot of people have already shared their cat dentistry stories, but since my 12-year-old cat just had a tooth pulled this week, I'll add mine. I took him in last week for annual blood work/tests (total of $400!) to monitor very early kidney disease. The vet check...
by lynneny
Thu Aug 24, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: Dual Citizenship (USA/Portugal); Obtaining a Portuguese Passport
Replies: 10
Views: 1564

Re: Dual Citizenship (USA/Portugal); Obtaining a Portuguese Passport

The Portuguese consulate in NYC is notorious for rarely even answering the phone, so don't go there!
by lynneny
Mon Aug 21, 2017 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 12337

Re: Anyone planning on never retiring?

I'd be happy to retire, but I feel like the goalposts keep moving (and would be interested to hear if anyone else feels that way). When I started at Megacorp, we all had pensions. Then they were frozen. I'll still get something, but only about half the amount that used to be forecast on the annual s...
by lynneny
Thu Aug 17, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: NYC real estate question
Replies: 17
Views: 1934

Re: NYC real estate question

Your home shouldn't be looked at as just an investment. Since you can clearly afford it, the question is whether you'll be happier as an owner or a renter. I've rented in NYC, and for the last 10 years I've owned a co-op here. For me, there's no comparison. I like being able to paint the walls (I ha...
by lynneny
Thu Aug 17, 2017 1:32 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 10346

Re: Is $9000 too much for a sectional sofa ?

OP, now that you've gotten us all emotionally invested in your custom sectional, pls show us a picture! Sounds like it fits in with your remodel beautifully, and within the overall budget you already planned to spend on the project (I can imagine the Bogleheads' horror if you were planning to go ove...
by lynneny
Sat Aug 12, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 4299

Re: Health Savings Account

If I were going to contribute to an HSA for 30 or 40 years, I'd definitely use the HSA to pay for the smaller ongoing healthcare expenses rather than keeping a stack of receipts for decades. But I was already in my 50s when our company started offering a high-deductible plan/HSA option, so I only ha...
by lynneny
Fri Aug 11, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Career Decision - HCOL area vs. LCOL area
Replies: 13
Views: 1741

Re: Career Decision - HCOL area vs. LCOL area

This sounds like a good late-career move, when you no longer expect to advance much more.

At your age/stage, I think this move would be a real career killer.
by lynneny
Wed Aug 09, 2017 10:39 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 52
Views: 4604

Re: Do you plan to ditch your laptop in travel soon?

I don't even go away for the weekend without my laptop. But I hope that'll change when I retire. I'd like to travel with just my phone and a tablet then. I don't think I'll ever travel with just a phone. Even on vacation, I like to read, and respond to email, and I really prefer a bigger screen for ...
by lynneny
Wed Aug 09, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: 401k in-service withdrawals
Replies: 22
Views: 2793

Re: 401k in-service withdrawals

Our company also froze pensions and in lieu started making small contributions they called a "Service Reward Plan" to our 401(k). I guess that was at least partly to quell resentment over the pension freeze. Within a few years, our company dropped the Service Reward Plan and now contributes nothing ...
by lynneny
Sat Jul 29, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 6765

Re: TSA Pre-check for free

GE/Pre-check is a real time saver, and I love being able to get to the airport a bit later. Well worth the $100 for 5 years. I'd pay even more for a global version of Pre-check and Global Entry. One that would give us the same fast-track service at foreign airports, where the lines can be even longe...