Search found 23 matches

by scubacat
Thu Sep 22, 2016 3:20 am
Forum: Personal Consumer Issues
Topic: Study Abroad program question
Replies: 34
Views: 2016

Re: Study Abroad program question

I studied abroad for a year in France as a high school student and then spent a summer interning in Colombia while in college. I am now working overseas as a Foreign Service Officer. Some people have said that they feel that the value is reduced since English is so widely spoken overseas. I disagree...
by scubacat
Sun Sep 18, 2016 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Please assess my situation/If I can afford my first house
Replies: 22
Views: 2047

Re: Please assess my situation/If I can afford my first house

I think you can afford a house in the 300s but I agree that a 15 year mortgage may be pushing it. I would offer two suggestions. Figure out what your monthly costs for the new house would be (PITI + utilities and any other recurring expenses) minus the expenses you already pay (rent + utilities) and...
by scubacat
Sun Sep 18, 2016 12:56 am
Forum: Personal Consumer Issues
Topic: Calling DC area Bogleheads for help with relocation
Replies: 34
Views: 2167

Re: Calling DC area Bogleheads for help with relocation

In addition to Craig's List, I would also check out rentals on Zillow, hotpad and trulia. I also don't think that you need an agent. I rent out my hosue when I am overseas. I use a management company and none of the perspective tenants have used an agent. I just don't think it is necessary in this a...
by scubacat
Fri Sep 16, 2016 1:26 am
Forum: Personal Consumer Issues
Topic: Which city for part time home during retirement?
Replies: 86
Views: 6025

Re: Which city for part time home during retirement?

Just curious what your definition of liberal is if Athens, GA doesn't meet it. UGA is located there and Athens is liberal on almost social and political issues. Clarke county votes democrat. It's a great town and meets most of your criteria and its home to REM!
by scubacat
Thu Feb 11, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Relocating for a job--lots of life changes
Replies: 43
Views: 3311

Re: Relocating for a job--lots of life changes

I agree with the other people who have said that it is a joint decision. I have lived in Florida and I liked it but, of course that doesn't mean you will. I will say that the cost of living should be (a lot) cheaper in Orlando than NJ and there is no state income tax. If you do end up moving and you...
by scubacat
Thu Jan 15, 2015 10:22 am
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 3648

Re: Options for moving our pets across country

I have had my cat since 2002. In that time, I have moved about ten times both overseas and domestically. I have done some variation of all the options including driving trips ranging from 1-5 days, flying the cat as cargo, flying with the cat in cabin, flying with the cat as checked baggage, leaving...
by scubacat
Sat May 24, 2014 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Remodel or simply spruce up house?
Replies: 7
Views: 1169

Re: Remodel or simply spruce up house?

As someone who is supposed to be closing on a house next week, I think you should be careful about what updates you make in the kitchen. If it needs a fresh coat of paint or old wall paper removed which is relatively cheap and can update the place then that is money probably well spent. If it is som...
by scubacat
Tue Apr 15, 2014 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion - Worth it for us?
Replies: 8
Views: 838

Re: Backdoor Roth IRA Conversion - Worth it for us?

I think you have your assumed tax figures reversed. You don't say how many year you have until retirement. If it is still a ways off then I think it would be worth it to take the plunge and then you could backdoor it from here on out. If you are only a few years away, then I would wait until you inc...
by scubacat
Fri Apr 11, 2014 6:26 am
Forum: Personal Consumer Issues
Topic: Passport, TSA Pre-Check, and Global Entry
Replies: 65
Views: 7599

Re: Passport, TSA Pre-Check, and Global Entry

If you replace your passport, you just update your passport number on the website. TSA pre-check does not give you access to global entry. I have global entry and love it but I travel to and from the US at least three or four times a year and often from locations where travel time exceeds 24 hours s...
by scubacat
Fri Jan 04, 2013 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate after a windfall
Replies: 17
Views: 1223

Re: How to allocate after a windfall

You have been soooo helpful. Thanks so much! to add a little... If I were to live off of the lump sum, as stated earlier there are 3 more lump sums coming in every 2.5years. so I'll have future opportunities to adjust my plan as needed, as well as I could adjust the 401k contributions anytime if ne...
by scubacat
Fri Jan 04, 2013 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate after a windfall
Replies: 17
Views: 1223

Re: How to allocate after a windfall

I understand. I think maybe my idea, was more simple, but not as good. (as i planned on living off the earned income, but this would force me to keep the lump sums in my taxable account) I don't mind providing specifics though. We each receive 1k in annuities, and half of that will stop. Nov 1st we...
by scubacat
Fri Jan 04, 2013 11:09 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate after a windfall
Replies: 17
Views: 1223

Re: How to allocate after a windfall

the issue we will run into with the 401ks being maxed however, is that once the lump sum comes later this year, we will lose part of our monthly annuity income which we have been using to max our Roths/live off of. And so, we will need to live off of our earned income, and maxing the 401ks will tak...
by scubacat
Fri Jan 04, 2013 10:23 am
Forum: Investing - Help with Personal Investments
Topic: How to allocate after a windfall
Replies: 17
Views: 1223

Re: How to allocate after a windfall

I agree with paying off any debts but if I am understanding correctly, it looks like you have not been maxing out your 401ks. You mention that you were in the 15% tax bracket so it is possible that your current income does not allow you to max out your 401ks and meet your living expenses. If that is...
by scubacat
Fri Jan 04, 2013 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Traditional -> Roth conversion not working online?
Replies: 5
Views: 753

Re: Vanguard Traditional -> Roth conversion not working onli

I had the same problem. Unfortunately, I am overseas so calling during business hours is a problem. I sent them a secured e-mail explaining the issue and hopefully I'll hear back something soon...
by scubacat
Thu Jan 03, 2013 1:22 am
Forum: Investing - Theory, News & General
Topic: Navy Federal Credit Union: Would you recommend them?
Replies: 51
Views: 11547

Re: Navy Federal Credit Union: Would you recommend them?

I have been a member for 13 years and have financed a car loan with them and have nothing but good things to say. Additionally, my sister went through a divorce and needed to refnance the house to get her ex-husband's name off the title. Her credit was good but she still had a fair amount of debt. T...
by scubacat
Mon Dec 31, 2012 6:47 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Phase-Out
Replies: 12
Views: 5541

Re: Roth IRA Phase-Out

This is a good problem to have - My wife recently accepted a new job and we will be above the income phase out for our Roth IRA's next year. This is even assuming that I max my 401k (wife does not have 401k option), we will still be far above the limit in 2013. I am in a similar (lucky!) situation....
by scubacat
Mon Dec 31, 2012 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Are you rebalancing now?
Replies: 22
Views: 2104

Re: Are you rebalancing now?

I am rebalancing now. My TSP will be rebalanced today and my IRA will be done in a few days when I make my 2013 contribution.
by scubacat
Mon Dec 31, 2012 6:23 am
Forum: Personal Finance (Not Investing)
Topic: does it make sense to pass on the flex acct at work?
Replies: 64
Views: 4763

Re: does it make sense to pass on the flex acct at work?

My FSA account is linked to my health insurance plan so whenever I pay for something, they automatically reimburse me for it. Every year, I estimate what my expenses are going to be. I then set my limit a little under. Since I don't have to worry about the paperwork, it is totally worth it. If I had...
by scubacat
Mon Dec 31, 2012 6:04 am
Forum: Personal Consumer Issues
Topic: Dinner Guest Issues
Replies: 149
Views: 13595

Re: Dinner Guest Issues

As I read through these responses, I see two important omissions: 1) Little acknowledgment of why manners dictate that one does not request additions or changes to what the host is providing. It is quite simply that the host is making a gift to you of whatever he is serving, the setting he has esta...
by scubacat
Sun Jan 15, 2012 12:03 pm
Forum: Investing - Theory, News & General
Topic: Military Investing
Replies: 123
Views: 46385

Re: Military Investing

For your physical address you claim the same address that you had when you claimed the residency. It doesn't matter that you don't live there anymore. When I joined, I was renting an apartment in GA. GA was my state of residence for the entire time and I used that address for the enire time as well....
by scubacat
Sun Jan 08, 2012 12:23 pm
Forum: Personal Consumer Issues
Topic: how many languages do you speak?
Replies: 36
Views: 2029

Re: how many languages do you speak?

My number is 4 but I need to know them for work and have lived in countries where they are spoken. My employer has a fantastic language program.
by scubacat
Sun Jan 08, 2012 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone with experience with Carmax?
Replies: 50
Views: 12854

Re: Anyone with experience with Carmax?

I would be careful selling them an older car. I looked into sellling my car to Carmax when I was moving overseas in Dec 2009. I had posted it with autotrader and wasn't sure it was going to sell before I had to leave. The car was a 2003 VW Jetta with very low mileage. The price that they offered me ...
by scubacat
Sun Jan 08, 2012 6:03 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio for 30s Teacher couple
Replies: 7
Views: 1089

Re: Portfolio for 30s Teacher couple

I assume that your 403b doesn't have a match in which case focussing on your IRAs is smart. If it does, then I would recommend putting in what you need to get the match. I think you should add bonds to reduce your risk. In January 2010, I knew I wanted to add bonds to my portfolio but I wasn't sure ...

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