Search found 78 matches

by lynneny
Mon Apr 24, 2017 10:11 pm
Forum: Personal Consumer Issues
Topic: New job and offer - recruiter sent a wrong $$
Replies: 43
Views: 4648

Re: New job and offer - recruiter sent a wrong $$

I would consider this a deal breaker if the salary screw up came from a manager who I'd be working with in the new job. But if it's a recruiter I'd never see again, I don't think I'd hold it against the company and give up a job I really wanted at a salary I would have been fine with if it had been ...
by lynneny
Sat Apr 22, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Gardening 2017
Replies: 43
Views: 3501

Re: Gardening 2017

For gardening in pots on an apartment terrace without a green thumb, we've done well with: --Cherry tomatoes (but they do need quite a bit of sun) --Herbs of all kinds for cooking, basil is especially easy and fast growing. --Arugula will grow as soon as temperature is above 40 degrees, so can be pl...
by lynneny
Sat Apr 22, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 30
Views: 2136

Re: Best vacuum cleaner for pet hair?

OP here. Many thanks for all the great suggestions and links! I'm going through them right now, from most affordable options like the Shark Navigator Light to higher-end Miele and Dyson models (while large, long-haired white cat who is main source of vacuuming challenges tries to swat laptop cursor ...
by lynneny
Fri Apr 21, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Rent versus Buy in NYC
Replies: 14
Views: 1799

Re: Rent versus Buy in NYC

When I moved to New York City about 10 years ago, I rented for the first year to get to know the city and the real estate market. As others have said, I highly recommend doing that; I ended up buying in a completely different neighborhood than the one I was sure I wanted to live in. In addition to t...
by lynneny
Fri Apr 21, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Best vacuum cleaner for pet hair?
Replies: 30
Views: 2136

Best vacuum cleaner for pet hair?

I have two cats who keep us covered in pet hair, and probably contribute to vacuum cleaners not lasting very long at our house (although I've never bought one of the really expensive ones, like a Dyson).

Any recommendations for a vacuum cleaner that copes well with cat hair?

Thanks!
by lynneny
Tue Apr 04, 2017 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3359

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

Our PTO is use-it-or-lose-it so no one accumulates much, and a lot of us lose a few days most years on Dec. 31. People have to be careful not to use more PTO days than they've earned if they plan to leave, because they'll have to pay for days taken but not yet earned. I second someone else's comment...
by lynneny
Tue Apr 04, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Some Credit Cards Make You Spend More?
Replies: 69
Views: 3862

Re: Some Credit Cards Make You Spend More?

I find that I'm more reckless with cash. If I buy something with cash, I won't remember a week later where that money went. But by putting all my spending on credit cards, I know those new shoes I didn't really need, or eating out more often than usual in a given month, will come back to haunt me wh...
by lynneny
Tue Apr 04, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 262
Views: 23438

Re: Low-earners- What is your profession?

I make about $100,000/yr in media business in HCOL New York, but feel like an increasingly lower earner every year because our company has barely given any raises in the last decade, while also freezing pension plan and ending 401(k) match and modest year=end bonuses. After 2008 financial crisis, ou...
by lynneny
Thu Mar 30, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?
Replies: 35
Views: 4117

Re: Long Term Care Insurance (LTCI): Too Expensive or Worth the Cost?

Alzheimer's runs in my family. My mother had Alzheimer's for almost 20 years; mostly paid for by Medicaid after we ran out of money. Most policies these days cover shorter periods, like 3-5 years, than Alzheimer's often lasts. I could afford to self-insure for a few years. The risk I wish I could co...
by lynneny
Sun Mar 26, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is Exchange the same as Sell for TLH purposes at Vanguard?
Replies: 3
Views: 200

Re: Is Exchange the same as Sell for TLH purposes at Vanguard?

Hitting Submit button now at Vanguard ... thanks for the fast answer!
by lynneny
Sun Mar 26, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is Exchange the same as Sell for TLH purposes at Vanguard?
Replies: 3
Views: 200

Is Exchange the same as Sell for TLH purposes at Vanguard?

A quick question. I'd like to do some tax loss harvesting in my taxable account at Vanguard. Just wanted to doublecheck that it counts as a sale, for TLH purposes, if I choose the Exchange option, rather than the Sale option. I would Exchange all my shares into a different (not identical) Vanguard f...
by lynneny
Fri Mar 17, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Plan: Do it myself or use Advisor?
Replies: 41
Views: 3300

Re: Retirement Plan: Do it myself or use Advisor?

I'm really interested in everyones' responses. I sadly have nowhere near $5 M, but like OP am 60, likely to retire in a couple years, and thinking a lot about what kind of professional advice would help me make the best financial decisions. I'm not interested in an AUM arrangement (did that for a fe...
by lynneny
Tue Mar 14, 2017 4:08 pm
Forum: Personal Consumer Issues
Topic: Anyone use coupon apps?
Replies: 22
Views: 2112

Re: Anyone use coupon apps?

I know this isn't what you asked, but if you do shop at Target, the Target Red Card is an effortless 5% discount every time you pay with it.
by lynneny
Thu Feb 09, 2017 9:01 pm
Forum: Investing - Theory, News & General
Topic: Best way to present to my employer a switch to vanguard
Replies: 24
Views: 1456

Re: Best way to present to my employer a switch to vanguard

Agree that your company may be more interested in their costs than yours. Our company switched to the Principal group a year ago, in order to shift costs from the company to the employees. We fortunately still have decent index funds, but we are now charged $100/yr per employee for admin fees. And u...
by lynneny
Mon Jan 30, 2017 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - Let the Buyer Beware
Replies: 26
Views: 6105

Re: Suze Orman - Let the Buyer Beware

I was addicted to Suze Orman's "Can I afford it?" segment. I used to watch it with a friend, and we'd anticipate her response by shouting "Approved!" or "Denied!" (If you didn't have a six-month emergency fund, Suze always denied you. Unless you were a mom who wanted to...
by lynneny
Sat Jan 28, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone moved to another state for lower cost of living?
Replies: 56
Views: 6974

Re: Anyone moved to another state for lower cost of living?

I've moved a lot for work, including 5 different countries, and lived everywhere from a duplex penthouse to a one-bedroom apartment (extreme range of LCOL to HCOL countries). All were wonderful, unmissable experiences. My latest/longest move was to HCOL nyc at age 44, and I expect to be here here un...
by lynneny
Mon Jan 23, 2017 1:13 am
Forum: Investing - Help with Personal Investments
Topic: confused by rollover options to Vanguard.
Replies: 7
Views: 819

Re: confused by rollover options to Vanguard.

That's a great idea to move a 401(k) to Vanguard via the intermediate step of rolling it over to someone like TD Ameritrade who will accept an ACH transfer. I expect to retire in a couple years, and really don't like the idea of being sent a check for the mid-six-figures amount in my 401(k), and the...
by lynneny
Sun Jan 22, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: Extensive Travel & Mobile Lifestyle in Retirement
Replies: 8
Views: 1229

Re: Extensive Travel & Mobile Lifestyle in Retirement

Sounds terrific! Western Europe is wonderful and packed with history & culture and it's easy to get around by train and low-priced European airlines, but most countries except maybe Portugal are fairly HCOL (Eastern Europe less so). If you want something much less expensive, much of Asia is exot...
by lynneny
Sun Jan 15, 2017 1:29 am
Forum: Personal Consumer Issues
Topic: Early Retirement in Mexico, Healthcare
Replies: 26
Views: 4562

Re: Early Retirement in Mexico, Healthcare

Tresbelle65, I lived/worked in Latin America, including Mexico, for a number of years and found private healthcare (I wouldn't use the government-provided healthcare systems) to be good, and much more personal than in the U.S. Doctors spend more time with you, will often give you their cellphone num...
by lynneny
Sun Jan 15, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3377

Re: Value of House in Planning for Retirement

The way I consider my home in retirement planning is that whatever I walk away with after selling my current home and paying off the mortgage, sales costs and moving costs will be my budget for my new (and maybe final?) home in lower cost of living spot I retire to. I'd probably rent the first year,...
by lynneny
Mon Jan 02, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 8108

Re: How many of you invest 100% at Vanguard?

Taxable and Roth at Vanguard. Employer has our 401(k) at The Principal Group. Wouldn't be my choice, but it has a number of Vanguard index funds, and I can use the brokerage window option. HSA via employer at Aetna's Payflex, invested in a Vanguard Lifecycle fund. A rewards checking account and a fe...
by lynneny
Mon Jan 02, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 29343

Re: Whats your number to walk away?

Number to walk away (if I moved to a more LCOL area): $2 million Number to walk away if I stayed in nyc: $4 million I'm 60 and net worth is about $1.2 million, so I'm unlikely to make even the lower number. But with a small pension at 65 and SS at 70, and a move to a more affordable city, it'll prob...
by lynneny
Mon Nov 28, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 3974

Re: How to become a "U.S. citizen residing overseas"?

Thanks Marcos123, your comments on this thread and the one you linked to are really helpful. And good to know NY lets non-residents keep renewing their NY driver's license. As you say, it's useful ID for expats for various reasons. Obrigadao, e tudo de bom pra voce. I wonder if there are any Boglehe...
by lynneny
Sat Nov 26, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a "U.S. citizen residing overseas"?
Replies: 26
Views: 3974

Re: How to become a "U.S. citizen residing overseas"?

Really interesting thread as I've been wondering about the state tax issue if I retire abroad. My situation is a little different from that of OP. I live and work in NY, and am looking at moving to Latin America in a couple years when I retire (by "retire," I mean when I'm eventually part ...
by lynneny
Tue Nov 01, 2016 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Payflex HSA (via Aetna HDHP at FEHB) - New Vanguard Fund Options
Replies: 30
Views: 2878

Re: Payflex HSA (via Aetna HDHP at FEHB) - New Vanguard Fund Options

Great to know about the new options, thanks. A related question: When I retire in a few years, does anyone know if I can leave my HSA at Aetna's Payflex HSA, or do I need to move it? I like the investment options/fees, and would keep the account there if I could (unlike my 401(k), which will be goin...
by lynneny
Wed Sep 14, 2016 10:28 pm
Forum: Investing - Theory, News & General
Topic: Pessimism in the financial press
Replies: 18
Views: 3070

Re: Pessimism in the financial press

Calhoun - One of the reasons there are fewer magazines on the rack is people who "flip through them" in the store, rather than actually buying them. Full disclosure: I'm an editor. As our revenue from paid print and online circulation and advertising (the price of which is based on circula...
by lynneny
Thu Aug 25, 2016 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 19837

Re: Retirement: Where $200K Will Last 30 Years

I worked in Europe and Latin America for a long time, and will probably retire somewhere in Latin America in a few years. For me, the combination of living well on less money, and enjoying warm, sunny weather year-round is appealing (I hate winter). I also find it comforting that, in a place I might...
by lynneny
Fri Jul 29, 2016 11:59 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 2576

Re: Never owned a cell phone.

I got the same email from Social Security, and they made it clear that if you don't want to use a cellphone to do the enhanced security to access the website, you can visit a Social Security office or just call them on the phone (presumably from a landline). So I don't see why this is a problem for ...
by lynneny
Fri Jul 29, 2016 11:41 pm
Forum: Personal Consumer Issues
Topic: What is your plan if you lose job tomorrow ??
Replies: 73
Views: 6844

Re: What is your plan if you lose job tomorrow ??

If I lost my job, I'd be unlikely to find another one -- I'm over 50 in a shrinking field with lots of layoffs. My Plan B is to move to a sunny, inexpensive country in Latin America. Teaching English part time would probably be an option. For the last few years, I've been checking out possible place...
by lynneny
Sat May 21, 2016 10:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 168
Views: 34212

Re: New York City Local Chapter established

Are Bogleheads meetings usually on a weekend? I'd much prefer a week night, when I'm already in midtown Manhattan for work, rather than coming into the city on a weekend.
by lynneny
Sun May 15, 2016 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 168
Views: 34212

Re: New York City Local Chapter established

Yes, I'm really interested in a Manhattan meetup! I work in midtown, so happy to see suggested locations are there, but I can go anywhere in Manhattan.
by lynneny
Fri Apr 29, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Rank These 401(k) Providers
Replies: 43
Views: 5664

Re: Rank These 401(k) Providers

Our 1,000 person company moved to Principal last year. We are now each charged a $100 annual fee, compared to no fee before, so we assume the move was to shift costs from our company to the employees. Both plans had a similar mix of low-cost index funds and expensive actively managed funds that don'...
by lynneny
Tue Apr 19, 2016 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: I read Boglehead posts on LTC ins. Has anyone made a claim yet? How'd it go? Claims paid?
Replies: 34
Views: 4398

Re: I read Boglehead posts on LTC ins. Has anyone made a claim yet? How'd it go? Claims paid?

I'd love an LTC policy with an elimination period of two or three years (to keep costs down) and then many years of care if needed, but I don't think such policies exist. Alzheimer's runs in my family, with the need in some cases for many years of care, so the trend toward policies that only cover t...
by lynneny
Mon Apr 11, 2016 9:07 pm
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 12897

Re: If you could retire anywhere, regardless of healthcare, etc.

Love working in Manhattan, but when I retire in a few years I'll be looking for a much lower cost of living area that's warm year round. I've lived in Latin America before (I'm in Rio right now for work) and am considering a few places, including Merida, in Mexico's Yucatan Peninsula, where I could ...
by lynneny
Sat Mar 19, 2016 7:57 pm
Forum: Investing - Theory, News & General
Topic: Improving Your Finances: 3 Tricks for Getting the Most Out of Your HSA
Replies: 4
Views: 1064

Re: Improving Your Finances: 3 Tricks for Getting the Most Out of Your HSA

nps, I also have an HSA account through PayFlex set up by Aetna. I've been pleased with the investment options, which include index funds, and am mostly using a Vanguard LifeCycle fund via twice-monthly payroll deductions. So just curious why you've chosen to set up a separate HSA with HSA Bank rath...
by lynneny
Mon Feb 22, 2016 12:48 am
Forum: Personal Finance (Not Investing)
Topic: the risk of withdrawing more money in early retirement
Replies: 18
Views: 2502

Re: the risk of withdrawing more money in early retirement

I'm also planning/hoping to withdraw more in the early retirement years so I can wait to take Social Security at 70 and then withdraw less. I'm 59 now, and would like to work till 62. So my highest % withdrawals would be for about 3 years until 65, when a small pension kicks in, then at 70 with pens...
by lynneny
Sun Feb 14, 2016 12:31 am
Forum: Local Chapters and Bogleheads Community
Topic: New York City Local Chapter established
Replies: 168
Views: 34212

Re: New York City Local Chapter established

I hope someone will take over responsibility for the NY chapter! I'd love to attend if meetings resume (I work in midtown Manhattan).
by lynneny
Wed Feb 10, 2016 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 5338

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

I would probably be driving myself crazy trying to figure out the math on HDHP with HSA vs PPO or HMO if I still had those choices, but our company dropped all the options except the HDHP several years ago after a few years of aggressively pushing the HDHP but not being able to get most employees to...
by lynneny
Wed Feb 10, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account with PayFlexDirect
Replies: 10
Views: 1906

Re: HSA account with PayFlexDirect

My employer uses Aetna and switched our HSAs last year to Payflex (Aetna owns Payflex) from JPMorgan Chase when Chase exited the HSA business. I've been happy with Payflex -- fees are lower, just $2/month, and the investment options are much better, with a number of Vanguard funds. I invest through ...
by lynneny
Wed Feb 10, 2016 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: delicate conversation with grandparents
Replies: 42
Views: 4415

Re: delicate conversation with grandparents

Given the extremely high salaries of doctors, the child who goes to medical school should be able to pay off even student loans that would seem astronomical to the rest of us.
by lynneny
Sat Jan 30, 2016 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s
Replies: 26
Views: 5338

Re: WSJ: HSAs Offer Tax Benefits Beyond 401(k)s

Employers are increasingly offering only an HDHP plan, so when that decision has already been made for you, I think it's a no-brainer to set up and max out an HSA. Our company added an HDHP to our other two options about five years ago, and then at open enrollment in late 2014 told us that starting ...
by lynneny
Thu Jan 21, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 8979

Re: What was your % pay raise?

1.5%.

For the last few years, we've been getting either 1.5% or 0.
by lynneny
Sat Jan 16, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 6659

Re: What's your company 401k contribution

Pension plan closed to new employees in 2004, and was frozen for the rest of us about 5 years ago. In lieu of pension contributions, company now contributes 2% of salary for employees with less than 5 yrs at the company; 4 % for 5-10 years, and 6% for more than 11 years (used to be 8%). No company m...
by lynneny
Wed Jan 06, 2016 4:31 pm
Forum: Investing - Theory, News & General
Topic: Our company just added a Roth 401(k) option, but....
Replies: 6
Views: 932

Re: Our company just added a Roth 401(k) option, but....

Thanks for the responses. If it's a software thing, there's likely nothing that can be done now, but knowing that the option does exist in other plans to make different investment choices for pre-tax and Roth encourages me to at least mention it to our HR department as an option I would love to have...
by lynneny
Wed Jan 06, 2016 12:19 am
Forum: Investing - Theory, News & General
Topic: Our company just added a Roth 401(k) option, but....
Replies: 6
Views: 932

Our company just added a Roth 401(k) option, but....

I was happy to see our company's 401(k) add a Roth option this month, and planned to split my contribution between the tax-deferred option I was already using and the new Roth, with the Roth contributions invested more aggressively for growth since the Roth will probably be the last retirement savin...
by lynneny
Tue Jan 05, 2016 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: How should I value the HSA tax advantages?
Replies: 4
Views: 900

Re: How should I value the HSA tax advantages?

Agree you should get local advice on this, including whether you can continue to contribute to a Roth from the U.K. You didn't ask about that, but if you claim the Foreign Earned Income Exclusion, you might not be eligible for a Roth. Regarding whether to keep U.S. insurance + HSA, when I worked in ...
by lynneny
Thu Dec 31, 2015 1:23 am
Forum: Personal Finance (Not Investing)
Topic: What are your 2 retirement numbers?
Replies: 260
Views: 31496

Re: What are your 2 retirement numbers?

I live in a HCOL city, and tend to think more in terms of where I can afford to retire than specific numbers. At 59, it's reassuring to know that if I were laid off tomorrow, I could afford to retire in any of a number of places I really like in Latin America (I spent a lot of my career working abro...
by lynneny
Tue Dec 29, 2015 12:14 am
Forum: Personal Consumer Issues
Topic: Which other 'must-read' websites and blogs do YOU read?
Replies: 42
Views: 7379

Re: Which other 'must-read' websites and blogs do YOU read?

corporette.com and thedirectrice.com (fashion blogs)
by lynneny
Thu Dec 24, 2015 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 10779

Re: Writing checks - a Bogleheads thing to do?

IRS once a year.

Massage therapist once a month.

Monthly mortgage, so I can add extra principal (which varies, depending on whether I got a tax refund, year-end bonus, and so on).
by lynneny
Wed Dec 23, 2015 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest lucky break in your personal finances?
Replies: 160
Views: 15256

Re: Biggest lucky break in your personal finances?

Two things, apart from great parents and going to college long ago enough that it was affordable: 1) I'm one of very few people I know in my field, which is notorious for frequent layoffs, who has never been laid off. At 59, that's given me a financial stability that friends and colleagues who have ...

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