Search found 253 matches

by yolli71
Fri Jul 22, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation for Federal Employees?
Replies: 3
Views: 286

Asset Allocation for Federal Employees?

How would a pension affect your AA? My wife and I are Federal employees and we have been debating over our asset allocation for some time now (in reality…”I” have been debating for us as she wants no part of financial/investing decisions). Part of me says we should be aggressive because we’ll have p...
by yolli71
Wed Jun 15, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee (Time Off) - Annual, LWOP or Sick Leave?
Replies: 29
Views: 2137

Re: Federal Employee (Time Off) - Annual, LWOP or Sick Leave?

My wife and I are both Feds and we've had 2 kids since working here. Unless your wife is looking to leave federal service in the near future, I'd personally use most or all of my annual leave before dipping into sick leave. I would not do LWOP. Yes, it will stink at first because your wife will have...
by yolli71
Tue Apr 12, 2016 3:37 pm
Forum: Personal Consumer Issues
Topic: home security and homeowners
Replies: 23
Views: 1883

Re: home security and homeowners

I don't have a monthly budget in mind, but I plan on getting a security system and will likely do something that doesn't require much of a monthly subscription. I'm leaning towards a system like Simplisafe and I'll probably do a few outdoor wifi cameras with motion detection. I don't feel I need con...
by yolli71
Tue Mar 29, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Reasonable priced security camera
Replies: 18
Views: 2650

Re: Reasonable priced security camera

I'm also interested in purchasing wifi security cameras. Dropcam looks nice, but I hate that they must be plugged in. The brand that interests me the most at this point is Blink: https://blinkforhome.com/ I'm just waiting for them to work out any bugs since the cameras just came out recently, but th...
by yolli71
Mon Mar 21, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Deck staining
Replies: 15
Views: 1698

Re: Deck staining

Thanks for the responses everyone. I'm getting another quote but I've eliminated that first company from any consideration. As others have said here, I've learned that putting multiple coats is actually bad. I'm surprised this company advertises that.
by yolli71
Thu Mar 17, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Deck staining
Replies: 15
Views: 1698

Deck staining

I'm looking to get my deck cleaned, sanded, and stained. I currently have a red solid wood stain and will likely keep the same color. I have received 2 quotes. The first company is charging about 1k more and said they would apply up to 5 coats of stain for extra protection, until all cracks are fill...
by yolli71
Wed Mar 09, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Tax write-off for donating artwork?
Replies: 9
Views: 800

Re: Tax write-off for donating artwork?

Since this artist is considered an "in-house" artist of the art gallery chain and the gallery still sells this artist's work, my tax preparer suggested I contact them and ask what they're selling the artist's other similar (in style and size to mine) pieces for...and to ask what they would...
by yolli71
Tue Mar 08, 2016 5:09 pm
Forum: Personal Consumer Issues
Topic: Tax write-off for donating artwork?
Replies: 9
Views: 800

Re: Tax write-off for donating artwork?

Thanks. So if I'm willing to take a 5k deduction and not bother with appraisers, I should be good to go? I really don't want to mess with appraisers because I'm guessing that will cost me hundreds of dollars, and after getting several opinions from these online art dealers and auctioneers, it might ...
by yolli71
Tue Mar 08, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Tax write-off for donating artwork?
Replies: 9
Views: 800

Tax write-off for donating artwork?

I'm looking to possibly donate a painting soon and was wondering if anyone knows how to calculate a deduction for that? It's an original oil on canvas painting that I bought from a local art gallery in 2004. The painting retailed for $8,995 and is about 52" x 64" (including the frame). I'm...
by yolli71
Sun Mar 06, 2016 8:42 am
Forum: Personal Consumer Issues
Topic: Transferring digital photos?
Replies: 5
Views: 524

Re: Transferring digital photos?

Thanks for the replies and especially for that YouTube video...very helpful!
by yolli71
Sat Mar 05, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Transferring digital photos?
Replies: 5
Views: 524

Transferring digital photos?

We have an old Macbook Pro with Aperture that has a bunch of photos and home videos. This computer is barely operable at this point...constantly freezing up, etc. The only reason we haven't rid ourselves of this computer is because of all the photos on it. Does anyone know how to save or transfer th...
by yolli71
Sat Feb 13, 2016 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Audit Protection Plan worth it?
Replies: 10
Views: 977

Re: Audit Protection Plan worth it?

Our tax preparer, who is an Enrolled Agent, offers an optional service where we may pay an additional ~$200, in return for which she will represent us throughout an IRS Audit should that occur. If we do not purchase the Audit Protection Plan, and are audited, and want her to represent us (which I b...
by yolli71
Fri Feb 05, 2016 11:11 am
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 260
Views: 37046

Re: Forum software upgrade bug reports and change requests

Quick question/suggestion...is there any way to include a "thanks" or "thumbs up" type of button in the future (similar to the "like" button on Facebook)? It would be nice to have something like this to show an appreciation or thanks to someone's post.
by yolli71
Fri Jan 22, 2016 4:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 6276

Re: Hope everyone is well [Preparing for Eastern US blizzard]

I feel bad for DC, from what I know, they are not well-equipped to handle 2 feet of snow. So, stay safe! This is true. I live in the DC suburbs in northern VA and the snow is coming down pretty good right now. I don't necessarily mind the snow...my biggest concern is the likelihood of a long power ...
by yolli71
Thu Jan 07, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website -- Backdoor Roth
Replies: 6
Views: 596

Re: Vanguard Website -- Backdoor Roth

Thanks all. I just tried and the website would not allow me to do it, so I guess I'll need to wait until tomorrow or Monday.
by yolli71
Thu Jan 07, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website -- Backdoor Roth
Replies: 6
Views: 596

Vanguard Website -- Backdoor Roth

I have a Taxable and Roth account w/ Vanguard. This is the first year I don't qualify for a normal Roth, so I'm doing the Backdoor Roth for the first time. I created a tIRA account w/ Vanguard yesterday and transferred $5,500 from my BOA checking account into the Vanguard Prime Money Market Fund. Wh...
by yolli71
Fri Jan 01, 2016 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Short term savings...
Replies: 5
Views: 604

Short term savings...

My wife and I are looking to buy a new home within the next 5 years, so I'll need to save cash until then to help pay the down payment. If you had to save cash for about 5 years, what vehicle would you use? I Bonds?
by yolli71
Wed Dec 30, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone treat each of their accounts separately?
Replies: 24
Views: 2451

Re: Does anyone treat each of their accounts separately?

Thanks for all the responses! To answer Phineas and dbr, dbr got it right by saying "means that each of your separate accounts has the same asset allocation, which then results in the overall asset allocation coming out where you want it." To keep things simple, I basically do a 3 fund por...
by yolli71
Wed Dec 30, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone treat each of their accounts separately?
Replies: 24
Views: 2451

Does anyone treat each of their accounts separately?

I know the Bogleheads way of investing is to look at your entire portfolio as a whole, but does anyone here treat each account separately? For example, my wife and I have Roth IRAs and TSP accounts. As of now, we have no taxable account. The Boglehead way preaches simplicity, but I found mixing and ...
by yolli71
Mon Dec 28, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Virginia 529 Plan - College America vs. InVest
Replies: 14
Views: 1139

Re: Virginia 529 Plan - College America vs. InVest

Great, thanks for the advice. Will open the account tomorrow! Thanks! Stay [b]far away from the advisor sold plan. The expense overwhelms any marginal benefit provided. If you are going to contribute to a 529 at all, I would contribute the $4000 to the inVest and stick with the low-cost index optio...
by yolli71
Mon Dec 28, 2015 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Requesting thoughts, guidance/experience_Home Equity Line of Credit
Replies: 4
Views: 582

Re: Requesting thoughts, guidance/experience_Home Equity Line of Credit

I have a 100k HELOC through PenFed and my rate is 3.75% (PRIME + 0% but a min. rate of 3.75%). This serves as my emergency fund. I think closing costs are covered by PenFed, but you must keep it open for at least 2 years I believe (doesn't mean you have to actually use it...just keep it open). You m...
by yolli71
Mon Dec 28, 2015 9:24 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 429
Views: 175754

Re: TV show recommendations?

Just finished watching Making A Murderer on Netflix. It's a 10 episode documentary...riveting!
by yolli71
Thu Dec 24, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Writing checks - a Bogleheads thing to do?
Replies: 117
Views: 9768

Re: Writing checks - a Bogleheads thing to do?

I write checks only when absolutely necessary. Otherwise, it's credit cards 95% of the time. What really surprises me is the number of people who still use cash. When I get lunch at my work cafeteria, I'm amazed at the number of people who still pay with cash and do so despite getting back change (c...
by yolli71
Sun Dec 20, 2015 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3460

Re: For those of you who max out their 401k & Roth...

Thanks for all the responses! I had never heard of the mega backdoor Roth until now. How do I find out if I qualify or not? I work for the federal govt. The other thing I was thinking about doing was switching my traditional TSP to a full Roth TSP, but after doing some reading on this website, I don...
by yolli71
Sat Dec 19, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who max out their 401k & Roth...
Replies: 30
Views: 3460

For those of you who max out their 401k & Roth...

...how do you invest your extra money?

In other words, if I already max out my 401k/TSP and my Roth IRA...and my mortgage is paid off and 529 is accounted for, where would you put your money next? I Bonds? CDs? Mutual funds in taxable account?
by yolli71
Thu Nov 12, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Costco Travel....anyone used them?
Replies: 18
Views: 2840

Re: Costco Travel....anyone used them?

If you have used Costco Travel, please let me know your thoughts. The oldest child will be going off to college next fall, so we are thinking about doing a European vacation (London & Paris) next summer. I only have one friend that has used Costco Travel, and he really liked it, but he is prett...
by yolli71
Fri Oct 02, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Name your top favorite tv shows
Replies: 188
Views: 28131

Re: Name your top favorite tv shows

Wife and I are absolutely loving Ray Donovan right now...just finished Season 2. Even though it's a drama, the humor is great (though vulgar), and Jon Voight's character is classic.
by yolli71
Fri Sep 18, 2015 1:52 pm
Forum: Personal Consumer Issues
Topic: Tips for saving on major kitchen remodel
Replies: 59
Views: 4733

Re: Save?

Quartz, not granite Integrated/built-in refrigerator Induction hob Single, not double sink Top of the line garbage disposal Speed oven Hire a kitchen designer We were planning on Quartz, but then spoke to a local countertop fabricator who said not to believe the hype about Quartz; granite is better...
by yolli71
Thu Sep 10, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: paying for mortgage rate lock
Replies: 6
Views: 935

Re: paying for mortgage rate lock

I locked early on my mortgage with PenFed just for peace of mind as I was comfortable with the going rate and projected monthly payment at the time. However, PenFed offered a service where you could pay to re-lock in case rates went down (which it did in my case). I think I had to pay .625 point to ...
by yolli71
Thu Sep 10, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: iPhone with or without contract?
Replies: 36
Views: 5095

Re: iPhone with or without contract?

(Original thread started in May 2015) OK, with the latest generation of the iPhone being announced today, I am awakening this thread from its nearly four month slumber. So here we are in the month of September and iPhone fans need to make a decision on whether it makes sense to upgrade. For me, I h...
by yolli71
Thu Sep 03, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 2324

Re: Watching NFL Games Via Webstream

If you live in anything other than a SFH, you are now able to purchase NFL Sunday Ticket straight from DirecTV a la carte. Also, Sling TV is only $20/mo and includes ESPN. I'm curious to see what others suggest as well. I want to cut the cord but Sunday Ticket access is DH's sticking point. -Steph ...
by yolli71
Thu Aug 13, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 4160

Re: Is 401K Match included when someone asks you how much you make per year?

Hi All, sorry if this sounds like a stupid question, i just want to make sure I got this correct. per subject title, is 401K company match included when someone asks you how much you make per year? Hypothetical Example: Yearly Salary: $82,000 401K Company Match (@ 9%): 0.09 * $82,000 = $7380 Bonus ...
by yolli71
Tue Aug 11, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

AP story just released: -- NEW YORK — Good news for existing Verizon customers: You'll still be able to get discounted phones for $100 or $200 by renewing a two-year service contract. That part wasn't clear when Verizon announced Friday that new customers will no longer get discounted phones, but t...
by yolli71
Tue Aug 11, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You get the same 4G network and primary coverage as someone who is on Verizon. But, if roaming is important to...
by yolli71
Mon Aug 10, 2015 9:51 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage? You must have missed the post upthread by Shadow Dancer: The MVNOS, which I know of that currently offer Veriz...
by yolli71
Mon Aug 10, 2015 9:19 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

I don't know much about MVNOs. Now that I'm on the hook for buying my phone outright, would I be better off going with a Verizon Wireless MVNO? Do you get the same 4G network and coverage?
by yolli71
Sun Aug 09, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for...
by yolli71
Sat Aug 08, 2015 9:08 am
Forum: Personal Consumer Issues
Topic: Verizon Killing off 2-Year Contracts & Phone Subsidies
Replies: 129
Views: 13243

Re: Verizon Killing off 2-Year Contracts & Phone Subsidies

Can someone explain this to me? I have been eligible to upgrade my Verizon iPhone 5 for several months now, but I've held off because I was going to wait until after September (presumably when the next iPhone is released) to order my new phone for $200. My wife and I currently pay $120/mo total for ...
by yolli71
Sat Jun 20, 2015 7:36 am
Forum: Personal Consumer Issues
Topic: Angie's List [for home repair]
Replies: 21
Views: 3206

Re: Angie's List

Yes, I have and I think it's really helpful. One thing I've learned by talking to some of these companies is that Angie's List can bring them a lot of business, so the reviews are really important to them. I've had some of them ask me to post a positive review if I was happy w/ the service/repair. T...
by yolli71
Fri Apr 10, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Tip for car detail?
Replies: 1
Views: 458

Tip for car detail?

I'm about to have my first car detail. I'm having one of those companies that comes to your home and they'll be cleaning my minivan. I bought one of those Groupon deals, so it's going to run me $115 (the normal price is $230 according to their website). They will be doing these services: 3-4 Man Hou...
by yolli71
Sun Mar 22, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 8813

Re: Laptop: Windows based vs. Apple

This. We made the switch to a MacBook Pro 6 years ago and love it. We still own the same laptop after 6 years and it's running strong. Since that time, we've purchased iPhones, Apple TV, iPad, and a Time Capsule, and yes, they all really do work seamlessly. We've owned several different Windows lap...
by yolli71
Sat Mar 21, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 8813

Re: Laptop: Windows based vs. Apple

I've used Macs for a decade now and wouldn't switch back to a Windows based machine unless I had no other choice. Another reason I like Apple products is that they play well together. We have iPhones, Macbooks, Apple TV, ipad, and an Apple Time Capsule for backup/router. It's amazing how well the d...
by yolli71
Sat Mar 14, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 9922

Re: Any other investors with 70/30 portfolio?

Any others with 70% stocks/ 30% bonds like I currently have and hope to hold for years. And, what are your plans? Age 45, I have a Federal government Pension and invested in TSP. Yes, my situation is very similar to yours. I'm 43 and work for the Fed govt and invest in the TSP. I'm at 70/30. My wif...
by yolli71
Fri Mar 06, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: question about pensions for people with TSP
Replies: 11
Views: 1482

Re: question about pensions for people with TSP

schmitz wrote:Thank you for all the help.

One follow up question : does she need to "sign up" or "activate" a pension or is it given to all employees automatically when they retire (if they qualify for it)?


It's automatic. How long has she been working for the fed govt.?
by yolli71
Fri Mar 06, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Washing Dress Shirts
Replies: 38
Views: 4349

Re: Washing Dress Shirts

Do all of you who wash your own shirts also iron them?

I take mine to the cleaners b/c I don't want to deal with ironing them. If all I had to do was wash and dry and they came out truly wrinkle-free, I'd wash my own shirts too.
by yolli71
Mon Mar 02, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1635

Re: No heat

Thanks for the replies. I called around 5 or 6 different hvac companies this morning and decided to go with one that has been to my home in the past (he did one of those "tune-ups" a year or so ago). He confirmed the issue sounds like a problem with the motor and said he would charge $549 ...
by yolli71
Mon Mar 02, 2015 9:21 am
Forum: Personal Consumer Issues
Topic: No heat
Replies: 20
Views: 1635

No heat

The gas furnace in my attic stopped working yesterday. You could hear it trying to run like normal but there was no air blowing out of the air registers. This exact problem also happened about a week ago and I called a company that was able to come out on the same day and fix it. He replaced my capa...
by yolli71
Fri Feb 27, 2015 9:05 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 20272

Re: American Express Blue preferred vs Sallie Mae Mastercard

I just had a very troubling experience with my Blue Cash Preferred. I wished to redeem my rewards as a statement credit. I tried doing it online and got a window which raised questions since an icon for Bonefish Grill appeared in the middle of the window. I called customer service 3 times. In the f...
by yolli71
Fri Feb 27, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: American Express Blue preferred vs Sallie Mae Mastercard
Replies: 45
Views: 20272

Re: American Express Blue preferred vs Sallie Mae Mastercard

Has anyone tried buying gift cards in a grocery store with the Blue Cash Preferred? Technically they will not earn the 6% as a cash equivalent, but I suspect that it's not detected nor enforced. I have tested the purchase of gift cards in a grocery store with the Sallie Mae and you do earn the 5%. ...
by yolli71
Fri Feb 20, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 9307

Re: 2 comma club (my way)!!

Congrats!!!

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