Search found 585 matches

by mrc
Mon Jan 23, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: IRA vs 401k & 403b money
Replies: 22
Views: 1431

Re: IRA vs 401k & 403b money

Update To recap, I moved an IRA (with both after-tax and pre-tax contributions) from one custodian to another, and mistakenly placed all of the moved funds in an existing 403(b). [The 403(b) plan allows incoming transfers.] I should have initiated two separate transfers, one in the amount of the aft...
by mrc
Mon Jan 23, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: TIAA financial advisor?
Replies: 14
Views: 687

Re: TIAA financial advisor?

I am seeing a TIAA Financial Consultant at a local branch in February, about a week after I stop working. Thanks to this site (Jane Bryant Quinn, and a lot of dumb luck in the early years), we feel in pretty good shape. Our Traditional portions are already in a TPA (transfer payout annuity), and I p...
by mrc
Thu Jan 19, 2017 4:46 am
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Re: Why does Vanguard requires medallion for MM IRA Transfer

Right. But, it's a little confusing the first time using the form. The verbiage made it seem like you may need to. My sentiments exactly the space implies the MSG is required. I don't manage rollover/transfers for a living and have only done a couple. Folks say it's better to pull funds (go through...
by mrc
Thu Jan 19, 2017 4:38 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 2842

Re: what local pharmacy?

We've use Medco (now Express Scripts) and CVS/Caremark mail order for years. It turns out the new Federal Blue Cross Basic plan (through CVS/Caremark) does not even allow the use of mail order. Now I've seen everything. One can still obtain a 90 day supply at a local pharmacy -- simply by paying 3X ...
by mrc
Wed Jan 18, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Re: Why does Vanguard requires medallion for MM IRA Transfer

retiredjg wrote:
jalbert wrote:...

This finally makes things make sense. Didn't realize there was a work around. Thanks.


Yes it does. There's more going on that meets the eye.
by mrc
Wed Jan 18, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8360

Re: Vanguard's new "account overview" page... BOO!

Agree +1M with the poor TIAA redesign. Unusable on a desktop. If you smash a browser window to smartphone size, the TIAA site is readable. Never mind I still can't find anything like I used to do, with ease. I think mobile caused a lot of poor decisions in UI. I think 16 pt is used mostly because 12...
by mrc
Wed Jan 18, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Re: Why does Vanguard requires medallion for MM IRA Transfer

OP, Suppose you were to transfer in the other direction. Would the MSG be Required? My guess is "yes". Again, I don't see why. I'm moving my (<$50K) Roth from Custodian A to Custodian B. Same exact registration "First Middle Last" and the starting fund holds money market funds o...
by mrc
Wed Jan 18, 2017 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Re: Why does Vanguard requires medallion for MM IRA Transfer

Who should complete : If the account owners and/or registration types on the Vanguard account and the current firm account DON’T MATCH, you MUST complete this section and have ALL owners of the Vanguard account and the current firm account sign. In the context of that form, what do you think that m...
by mrc
Wed Jan 18, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Re: Why does Vanguard requires medallion for MM IRA Transfer

So, thinking about livesoft and retiredjg said, I re-read the form closely. On the medallion page: Important: Before completing the Your authorization, Letter of authorization to Vanguard Brokerage Services, and Medallion Signature Guarantee sections of this form, refer to the instructions at the be...
by mrc
Wed Jan 18, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard requires medallion for MM IRA Transfer
Replies: 29
Views: 1638

Why does Vanguard requires medallion for MM IRA Transfer

Wife and I want to transfer our Roth IRAs from TIAA to Vanguard. I moved the funds into the TIAA-CREF Money Market Fund (Retirement, TIEXX for those keeping score). Because this is a money market fund, it should be liquidated and the funds transferred in cash to a like-titled Roth at Vanguard. Yet t...
by mrc
Mon Jan 16, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: what local pharmacy?
Replies: 57
Views: 2842

Re: what local pharmacy?

The drugs.com website has a description and pictures of many drugs. For example, the Bystolic page (a common BP med) shows the trademark blue triangle with rounded edges embossed with the letters "FL" on one side, and the milligrams dose on the other side. This is a good thing to know for ...
by mrc
Sun Jan 15, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Value of House in Planning for Retirement
Replies: 46
Views: 3078

Re: Value of House in Planning for Retirement

I recall a BH poster or two mentioning selling a $1M+ property and moving to a cabin in the woods. That wasn't a plan, per se, they just mentioned that's what occurred. We don't live in an ultra HCOL location like that. So we can't treat the house as a big, and certain, cash cow. Things look a lot d...
by mrc
Fri Jan 13, 2017 5:29 am
Forum: Personal Consumer Issues
Topic: Home heating options
Replies: 63
Views: 2527

Re: Home heating options

Solar thermal can help. We have a roof full of PV panels for 6kW, and only two panels for domestic hot water. The efficiency of solar thermal is many times that of solar PV. The difference in panel count is amazing. Seems with circulating hot water, you could easily heat an entire high efficient hou...
by mrc
Fri Jan 13, 2017 5:21 am
Forum: Personal Consumer Issues
Topic: Recommend a LEAKproof microwavable, fairly decent sized lunch box!
Replies: 10
Views: 934

Re: Recommend a LEAKproof microwavable, fairly decent sized lunch box!

We have good luck with LockNLock bento boxes. Several shapes/sizes are available. BPA free. Freezer to microwave. They do not leak. (Crack the lids before using the microwave). These things make Tupperware look like the disposables. The lock and lock comes from the four locking tabs on the lid, snap...
by mrc
Thu Jan 12, 2017 5:07 am
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 4019

Re: tiaa/cref lazy portfolio

Exciting Update: It looks like my employer has switched plans at TIAA ... That is great news. Others will have allocation ideas. I'm just glad you found a plan you can live wtih. We just made a similar move without our TIAA holdings: transferred funds from a small employer's higher ER plan to a lar...
by mrc
Thu Jan 12, 2017 5:03 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2537

Re: Anyone else having trouble with unrequested CVS auto-refills?

Thanks for the "long story" tips. I forgot to mention that Express Scripts also robo calls to ... um ... "verify your shipping address." They actually leave voice mails asking you to call them. I order regular refills. Online. Not a phone person. The calls I ignored became incess...
by mrc
Tue Jan 10, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2537

Re: Anyone else having trouble with unrequested CVS auto-refills?

We had a streak of CVS robo calls reminding us about a couple refills for different drugs. These happened to be one-and-done fills, and the calls eventually stopped. But it took way too long. Express Scripts has a different MO: They'll send an alert that a refill is due to be processed. So I fill on...
by mrc
Mon Jan 09, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3679

Re: Weight machine vs free weight

We have both, and use both. An extensive set of dumbbells augments what the machine offers. I like doing prone, supine, and upright flys with the dumbbells in all different planes. Also overhead one-arm presses and extensions. I can't really do that well with the machine. Feels good too. Don't go to...
by mrc
Mon Jan 09, 2017 3:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13193

Re: Sad News About a Respected Forum Member

RIP Meph. We'll miss you.
by mrc
Mon Jan 09, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: tiaa/cref lazy portfolio
Replies: 33
Views: 4019

Re: tiaa/cref lazy portfolio

With such a small amount of your overall portfolio here (for now at least), could you choose the lowest ER fund 100% and let it ride? Direct new contribs there as well. Balance your AA with the assets outside of this account. Don't give up on the employer match -- that generally overwhelms even poor...
by mrc
Mon Jan 09, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 33
Views: 2254

Re: Requirements to change passwords frequently?

Have you met my first girlfriend: 4AKQXODdW9w7XLe6qx7MwVmzW? I hear she's HOT :-) Wish I'd known about this a long time ago (the nonsense answer scheme, not the girlfriend). I guess I should go change a bunch of those. What's a good scheme for remembering the nonsense answers ? I add the questions/...
by mrc
Sun Jan 08, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 33
Views: 2254

Re: Requirements to change passwords frequently?

JPH wrote:... The site I hate the most for this is Medicare. They require a password change every 60 days.


Medicare makes us nuts too. At work it's every 30 days, seven chars is OK. :oops:
by mrc
Sun Jan 08, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 33
Views: 2254

Re: Requirements to change passwords frequently?

Lists of passwords? ... That reset process often involves a canned list of silly personal questions that other people could know the answer to (e.g. birth city, name of first pet, year you were married, etc). That seems to be the weak link in the chain. We give bogus answers to these questions, uni...
by mrc
Sat Jan 07, 2017 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1 Day Transfer
Replies: 11
Views: 1479

Re: Ally 1 Day Transfer

Ally posted a message: Qualified transfers to or from your Ally Bank account now take 1 business day. If you scheduled transfers before 1/7/17 they will receive 3-day delivery. To view or edit your transfer, go to Activity. Does anyone know if recurring transfers (that won't fire for a while, and th...
by mrc
Fri Jan 06, 2017 5:54 am
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments on long term cap gain, with half of last years income
Replies: 8
Views: 530

Re: Estimated tax payments on long term cap gain, with half of last years income

Thanks for all the advice. It appears just keeping withholding allowances on the remaining salary set where they are now (for dual incomes) will by itself over withhold. I have a couple months to see how things will pan out before making adjustments to withholding. Never liked turning so many knobs ...
by mrc
Thu Jan 05, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments on long term cap gain, with half of last years income
Replies: 8
Views: 530

Re: Estimated tax payments on long term cap gain, with half of last years income

I'm getting this (this is our first time with a cap gain, and a drastic reduction in salary as well). So even though the "income" (gain) came in early January, we can spread out the ~$4500 only via extra payroll withholding to hit 90% of tax bill? I'm cool with equal quarterly payments, ra...
by mrc
Thu Jan 05, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments on long term cap gain, with half of last years income
Replies: 8
Views: 530

Estimated tax payments on long term cap gain, with half of last years income

For 2017, we are going from two incomes to one income. One spouse will work only one month in calendar 2017, and that spouse will contribute heavily to 401k. So withholding should be only total about half of last years. We sold stock to realize ~$30K LTCG on 01/03/17, early in the calendar year. We ...
by mrc
Wed Jan 04, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 67
Views: 5054

Re: Hearing aid 101

Agreed clip. Mom's 90 now. The Costco purchase wasn't her first pair. These aids don't need the maintenance work that her former ones did (or did they??), that depends a lot on the type. So yes, the pro/con starts with the local audiologist's price. For us, $1200 vs north of $6K, it was an easy deci...
by mrc
Wed Jan 04, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 67
Views: 5054

Re: Hearing aid 101

edit: Costco has the best deal on batteries (unless you can get them free somewhere) you get them at the service desk next to the check registers One of the reasons my mom liked her boutique $6K pair so much was the free :oops: batteries. We bought the latest pair from Costco ($1200). There were fo...
by mrc
Sun Jan 01, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Joint accounts and monthly budgeting
Replies: 6
Views: 841

Re: Joint accounts and monthly budgeting

Happily married for over 20 years now, and we've never had a joint account. Has worked well for us. Same at 33 years for us. We have jointly owned accounts, but separate operations -- my name isn't on her checks and vice versa. Joint planning for sure. But neither of us will ever overdraw the other...
by mrc
Sat Dec 31, 2016 7:30 am
Forum: Personal Finance (Not Investing)
Topic: [DC-area accountant recommendations: rentals, taxes]
Replies: 2
Views: 172

Re: [DC-area accountant recommendations: rentals, taxes]

You may be able to handle this yourself after all, see TurboTax info pages on rentals and moving to a new state. Whether you want to is a different issue :beer
by mrc
Fri Dec 30, 2016 5:10 am
Forum: Investing - Help with Personal Investments
Topic: TSP F Fund or Vanguard Funds?
Replies: 38
Views: 1953

Re: TSP F Fund or Vanguard Funds?

Since the OP is coming off 100% equity, I'll assume s/he is young and squarely in the accumulation phase. At the other end, we are coasting into retirement. DW has TSP, and 30% of our household assets is with the TSP. It could be closer to 50% with a rollover in. But the TSP withdrawal rules are so ...
by mrc
Tue Dec 27, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: TIAA Traditional: "Fair Value" or "Free Lunch"?
Replies: 31
Views: 2326

Re: TIAA Traditional: "Fair Value" or "Free Lunch"?

Since many Traditional participants are, in effect, locked into the fund due to withdrawal restrictions, TIAA has less incentive to lower fees on its other stock and bond funds. Not complaining, exactly, but sometimes it does feel like Traditional is something of a gilded retirement cage. :? A lot ...
by mrc
Sat Dec 24, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan through PenFed. They require a VIN number?
Replies: 34
Views: 2160

Re: Auto loan through PenFed. They require a VIN number?

There's a very good chance the dealership will be able to beat Penfed's interest rate so I would at least give them a chance to try. But read through every line of the paperwork. Dealerships like to slip in "extras" in the finance agreement. Don't just focus on the payment. We have a grea...
by mrc
Fri Dec 23, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 9009

Re: Financial Independence is not the Holy Grail

The problem is for many people like us have no job security. We are under constant threat of permanent unemployment or under-employment. Hence, there is no difference for us between financial security and financial independence. We only have financial security when we achieve financial independence...
by mrc
Mon Dec 19, 2016 6:21 am
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 9794

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

Incendiary wrote:Laurel is lovely, diverse, and hads ownhouses in your price range.


If you can, find something in Ann Arundel county, rather than Prince Georges.
by mrc
Sun Dec 18, 2016 3:53 pm
Forum: Personal Consumer Issues
Topic: Omaha Steaks....Who else for mail-order steaks?
Replies: 26
Views: 2592

Re: Omaha Steaks....Who else for mail-order steaks?

I used to send my brother a package of steaks from Omaha steaks every year until last year. They had some special going on and so I ordered one for him and got some for myself, the first I had ever tried. Although okay, I can get much better steaks from the local grocery store for a fraction of the...
by mrc
Sun Dec 18, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: Winter car safety kit?
Replies: 46
Views: 2481

Re: Winter car safety kit?

Car Guys Winter Weather Car Kit

1) A screwdriver (for removing the license plates)
2) Two one-way airline tickets to Miami

Heard this on Car Talk yesterday ...
by mrc
Sun Dec 18, 2016 1:14 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 9794

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

My relatives are moving from Frederick to Silver Spring in January. I have other relatives in Laurel, Howard County. So to be close to family, I should live somewhere between the Silver Spring side of the Red Line and Laurel in Howard County. Other family also lives in this area. My mom lives in Fr...
by mrc
Sun Dec 18, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 8511

Re: Ally Bank 1.25% 11 month with no EWP

MikeG62 wrote:Thanks for the heads-up. I just moved funds from my online savings account to this CD. Picked up the extra 25bps (well 23bps over 11 months). Good deal.


Ditto that for us too. Thanks for noting.
by mrc
Sat Dec 17, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Can I get a little house or townhouse for under $400K in Maryland or Virginia?
Replies: 112
Views: 9794

Re: Can I get a little house or townhouse for under $400K in Maryland or Virginia?

Thanks for the advice in the past. I am looking at maps again. I'm retired two months ago and decided to upgrade my house for sale. I have spent eons of time learning about house remodeling and replacing parts for in old house etc. etc. It may have been a bad idea financially to do all of this work...
by mrc
Fri Dec 16, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Any experience with the Sleep Number bed?
Replies: 24
Views: 2667

Re: Any experience with the Sleep Number bed?

My back has never recovered from two nights with a slowly leaking sleep number bed at a boutique hotel. Nothing like setting on 95 and waking up in the morning at 0, unable to get up. Or so I claim, and I stick to my story. I give it a big thumbs down. Coming attractions ... In a world ... [cue sca...
by mrc
Fri Dec 16, 2016 11:05 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4323

Re: Sous Vide?

Agreed. Also, it's incredibly important that the sear take only a very short period of time. If you've got your steaks on the grill for anything longer that 90 seconds, your grill isn't hot enough and you will continue to cook (not sear) your steaks. Your grill/pan must be absolutely scorching hot....
by mrc
Wed Dec 14, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: social security hold harmless
Replies: 7
Views: 626

Re: social security hold harmless

Sounds like the hold harmless is in effect for you. Your medicare premiums rose only a couple dollars, rather than to the new $127/month new enrollees and others not subject to hold harmless will pay in 2017. I too thought hold harmless meant you would see zero increase, but that's not quite the cas...
by mrc
Wed Dec 14, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: social security hold harmless
Replies: 7
Views: 626

Re: social security hold harmless

Your medicare premiums are deducted from your SS benefit payment? Do you see a very slight increase in benefit level? There is an increase in the medicare premium that wipes out the increase and then some? Edit: There is another topic on this. More folks are going to receive the annual notice and ha...
by mrc
Wed Dec 14, 2016 5:43 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 3984

Re: TSP Allocations 43 yr old

According to OPM : Federal retirees and their surviving spouses retain their eligibility for FEHB health coverage at the same cost as current employees. In order to carry your FEHB coverage into retirement, you must be entitled to retire on an immediate annuity under a retirement system for civilian...
by mrc
Wed Dec 14, 2016 5:27 am
Forum: Investing - Help with Personal Investments
Topic: Book suggestions for financially clueless mother in law
Replies: 11
Views: 908

Re: Book suggestions for financially clueless mother in law

The Index Card If that doesn't reach her, nothing will. +1 for the card. Especially if you can have a (friendly) conversation with her. Make her feel part of a solution. Something else is going on here as well. That type of shopping is indicative of an underlying problem. The spending is the sympto...
by mrc
Sun Dec 11, 2016 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Physician went out of network. Now I have a bill to pay. What to do
Replies: 94
Views: 6254

Re: Physician went out of network. Now I have a bill to pay. What to do

Here's a scenario I'm curious about. Suppose a surgeon is in network at the time of the surgery but drops out of the network soon after the surgery. The patient develops a complication at the surgical site after the doctor has dropped out. Would a patient be able to find another surgeon willing to ...

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