Search found 384 matches

by LuigiLikesPizza
Thu Oct 17, 2019 4:29 am
Forum: Personal Consumer Issues
Topic: Why so many iPhones??? Why did you pick it? Why do you upgrade it?
Replies: 68
Views: 2911

Re: Why so many iPhones??? Why did you pick it? Why do you upgrade it?

For me it goes all the way to the early 90s...lol - there were two environments for computing and one was friendlier to use. It has always been this way, IMO. I have tried to defect on several occasions and believe me, I have had my share of devices on other platforms, but I always return to the int...
by LuigiLikesPizza
Tue Oct 15, 2019 2:03 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1918
Views: 315632

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I'm likely to have about $200K to rollover/bring into a new brokerage in the next few weeks.

Is this Schwab offer, currently the most beneficial? anyone know? thanks
by LuigiLikesPizza
Tue Oct 15, 2019 1:57 pm
Forum: Personal Investments
Topic: Question about a rollover strategy
Replies: 6
Views: 400

Re: Question about a rollover strategy

Only about a year to go to reach 59.5, further, I have plenty in savings and CDs and other resources to tide me over until reaching 59.5 and needing to start taking withdrawals.

Thanks again.
by LuigiLikesPizza
Tue Oct 15, 2019 10:43 am
Forum: Personal Investments
Topic: Question about a rollover strategy
Replies: 6
Views: 400

Re: Question about a rollover strategy

Thank you for your reply. You do have another choice - roll to Roth IRA. By rolling over to a Roth right now, is not the lump sum therefore immediately subject to taxation? this concerns me because I am still working at my highest income level ever....and this would not be a true rollover, right? Th...
by LuigiLikesPizza
Tue Oct 15, 2019 10:05 am
Forum: Personal Investments
Topic: Question about a rollover strategy
Replies: 6
Views: 400

Question about a rollover strategy

I am about to receive a $200K lump sum pension payout from a prior employer. I am currently a federal employee soon to retire at age 58. (early 2020) I believe my rollover choices are a Traditional IRA or a rollover to my federal employee TSP plan. A benefit of the TSP rollover is low fees and acces...
by LuigiLikesPizza
Sun Oct 13, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Another iPhone question/purchase while waiting out 2020
Replies: 8
Views: 801

Re: Another iPhone question/purchase while waiting out 2020

Good responses thanks. Checked the Apple website. Looks like the only refurbished iPhones they sell now are the X series...no more in the iPhone 8 series.

Thanks again
by LuigiLikesPizza
Sun Oct 13, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: X Country Driving Trip across the US, solo
Replies: 25
Views: 1942

X Country Driving Trip across the US, solo

Have any of you driven across the US coast to coast? I am considering such a trip, it's been a life long bucket list thing. I likely would have to go solo since the people I know are not yet retired....wondering if that many days in a car would bug me out. I have done 4 days of that before on the ea...
by LuigiLikesPizza
Sun Oct 13, 2019 6:33 am
Forum: Personal Consumer Issues
Topic: Another iPhone question/purchase while waiting out 2020
Replies: 8
Views: 801

Another iPhone question/purchase while waiting out 2020

I'd like to buy an iPhone now, new or used and plan to keep it as a backup phone when the 2020 version of iPhones come out and that one will become a primary phone. That said, please suggest an iPhone version that might be appropriate for someone who uses an iPhone for very basic functionality, (no ...
by LuigiLikesPizza
Sun Oct 13, 2019 6:20 am
Forum: Personal Consumer Issues
Topic: USPS package policies?
Replies: 7
Views: 588

USPS package policies?

Lately, I've been outside the US traveling. I had sent a gift to a friend via her P.O. Box in Alabama, but I recently learned she has been hospitalized and incapacitated for several weeks. No one we know lives near that post office and I can't seem to get them on the phone. Does anyone know if after...
by LuigiLikesPizza
Sat Sep 21, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: Considering Retiring to Athens, Georgia--Info, Advice Please
Replies: 15
Views: 2709

Re: Considering Retiring to Athens, Georgia--Info, Advice Please

Hi there, I noticed this thread was 8 years old - curious about any updates anyone might have to add? thanks
by LuigiLikesPizza
Wed Sep 18, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Unlocked, Refurbished iPhones?
Replies: 16
Views: 1020

Unlocked, Refurbished iPhones?

I'm considering the purchase of an iPhone to keep on hand as a back up phone, for various reasons. I'm currently using Consumer Cellular for my primary iPhone and will add a line for the second phone. Key here is that I do not want to spend the exorbitant prices for a newer iPhone and will entertain...
by LuigiLikesPizza
Wed Sep 18, 2019 8:11 am
Forum: Personal Consumer Issues
Topic: Low Cost Burner Phone?
Replies: 16
Views: 2187

Re: Low Cost Burner Phone?

<<Maybe you could just add a line to your present plan with a separate phone number.>>> We now realize this is the best option. Currently using iPhones via Consumer Cellular, so we'll add another line. Obvi, another iPhone is overkill. Please recommend a reliable back up phone to keep on hand for a ...
by LuigiLikesPizza
Thu Aug 08, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Calculator - how long your money will last?
Replies: 7
Views: 1458

Calculator - how long your money will last?

Does anyone have a reference or link to one of those calculators whereyou enter various annual spending levels, your portfolio amount, age and death assumptions, etc. and it gives you the probability of running out of money?
by LuigiLikesPizza
Thu Aug 08, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: Comparative Calculator -Cost of Living, US Metro Areas
Replies: 3
Views: 374

Comparative Calculator -Cost of Living, US Metro Areas

Does anyone have one of these to recommend? Thank you
by LuigiLikesPizza
Mon Aug 05, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

Public servants - always the favorite whipping post. What to do when you take sick leave when you are burned out? does that count? and what if you are burned out because you are one of the few they can count on to be highly productive and responsible? Doesn't the work always flow in the direction of...
by LuigiLikesPizza
Mon Aug 05, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Perpetual Travelling
Replies: 80
Views: 18299

Re: Perpetual Travelling

This thread is > 4 years old and wondering if anyone has any updates to make? Particularly with respect to taxes, insurance, banking, domicile, etc. I noted the advice about avoiding bureaucratic nightmares by renting a place and registering everything to that address, but if you are never there, is...
by LuigiLikesPizza
Tue Jul 16, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9488

Re: Who cuts your hair? And for how much?

My hairstylist comes to my home. She charges me $20. I give her $40 and tell her to keep the change. I live in a HCOL are and I can't bear the thought of her leaving her home for less, even if she has other clients nearby before and after me.
by LuigiLikesPizza
Tue Jul 16, 2019 4:31 pm
Forum: Personal Consumer Issues
Topic: Low Cost Burner Phone?
Replies: 16
Views: 2187

Low Cost Burner Phone?

For various reasons, we wish to keep a low cost burner phone with us at all times as a back up. It seems that even with pay-as-you-go, there are monthly fees. Please suggest a brand that you may have experience with and would stay with (will need cell coverage pretty much anywhere in the US) . Thanks
by LuigiLikesPizza
Mon Jul 08, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Insect Repellents
Replies: 4
Views: 423

Insect Repellents

At the end of the month, I'm heading far north for a vacation in the deep woods. I'm hearing the insect populations this year up there are higher than usual. I am open to all suggestions for keeping bugs off me ....as I fish, as I hang at the lake side, hiking...grilling at dinner time. What has wor...
by LuigiLikesPizza
Thu Jul 04, 2019 5:10 am
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Re: Months from Retirement, Gut Check, questions

One of the places I am considering a move to is rural, a reasonably nice home can be had for $150K. So buying is a consideration, with concerns about how difficult it would be to get a mortgage AFTER retirement, maybe not too bad if I put down a large up front payment. The few places I have identifi...
by LuigiLikesPizza
Wed Jul 03, 2019 3:28 pm
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Re: Months from Retirement, Gut Check, questions

Honestly 50:50 ratio while not ideal isn't that bad. Just do not take off more money 50:50 is about the minimum you should go.

Just to be clear, your advice is that a stock allocation greater than 50% is too much risk?
by LuigiLikesPizza
Wed Jul 03, 2019 1:48 pm
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Re: Months from Retirement, Gut Check, questions

I have not heard of an approach that looks backward (number of years since retirement) to determine the appropriate allocation. I apologize, I did not word that clearly. I meant an asset allocation based on age and expected life span...so in other words, retirement is like the pinnacle, and now you...
by LuigiLikesPizza
Tue Jul 02, 2019 5:53 am
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Re: Months from Retirement, Gut Check, questions

Having half of your assets in the G fund is very conservative, especially given that your pensions plus Social Security will cover a huge percentage — if not all — of your expenses. I very much agree. As the market has continued to rise, I have been taking money "off the table" from other TSP funds...
by LuigiLikesPizza
Tue Jul 02, 2019 5:45 am
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Re: Months from Retirement, Gut Check, questions

LuigiLikesPizza wrote: ↑Sun Jun 30, 2019 4:20 pm Private Employer: $831/month payable now, not COLA adjusted Federal Pension: later this year will be approx $1,000/month minus $160/month for health insurance Social Security $2000 at age 62 $3044 at age 67 Total at 67, $4,875 a month, $58,500 a year....
by LuigiLikesPizza
Sun Jun 30, 2019 4:20 pm
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3151

Months from Retirement, Gut Check, questions

Emergency funds: Yes Debt: No debt Age: 58.5 Tax Filing Status: Single, Divorced Tax Rate: 28% Federal, 5.75% State State of Residence: Virginia, but in transition, new location TBD Portfolio Size : $1.570M +/- Expected expenses in retirement: $60K/year Key information: I am a renter, do not own any...
by LuigiLikesPizza
Sat Jun 29, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Florida Panhandle - temporary rental
Replies: 10
Views: 904

Florida Panhandle - temporary rental

I have a friend who plans to retire in her 50s, after the winter holidays this year. She has yet to decide where to permanently relocate from her present HCOL area so she's thinking of spending the winter months to chill out, get her bearings and regroup after a 30 year stressful career. She's menti...
by LuigiLikesPizza
Sat May 18, 2019 4:38 pm
Forum: Personal Investments
Topic: Retirement Portfolio For the Early Years? Appreciate Advice
Replies: 5
Views: 1394

Retirement Portfolio For the Early Years? Appreciate Advice

Emergency funds: Yes Debt: No debt Age: 58.5 Tax Filing Status: Single, Divorced Tax Rate: 28% Federal, 5.75% State State of Residence: Virginia, but in transition, new location TBD Portfolio Size : $1.6M +/- Expected expenses in retirement: $60K/year Key information: I am a renter, do not own any R...
by LuigiLikesPizza
Thu May 16, 2019 7:25 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1018
Views: 109603

Re: What frugal thing did you do today?

This week I have stayed at a Hyatt House paid for with Chase points I earned through opening credit cards. Hyatt House provides all meals. I teleworked from here today. I gave up my lease and am using extended hotel stays until I retire & leave the area. I think except for 1/365th of my insurance co...
by LuigiLikesPizza
Mon May 13, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: U-Pack or Similar? (Household Transport Services)
Replies: 9
Views: 612

U-Pack or Similar? (Household Transport Services)

This coming summer, I plan to move my downsized household goods about 350 miles from one state to another. I am evaluating all my options. Has anyone used U-Pack or a service like U-Pack? This is where you pack a a large steel cube they bring to you, and then they transport the cube for you to your ...
by LuigiLikesPizza
Sat May 11, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1948

Re: Fed Employee/Retirement Issues

My concern is about the timeframe between the last day of work and receipt of the first pension payment - that I will have proof of health insurance coverage.
by LuigiLikesPizza
Sat May 11, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1948

Re: Fed Employee/Retirement Issues

So, starting the day after your last day of employment, you can show your health insurance card to any provider and *assume* you are still covered?
by LuigiLikesPizza
Sat May 11, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1948

Fed Employee/Retirement Issues

In a few months, I will hit the MRA plus 10 years of service date and I plan to retire soon after that. I do realize it carries a 5% per year penalty and that penalty is included in my retirement assumptions. The issue I am looking at is the timing of making this announcement juxtaposed with the tim...
by LuigiLikesPizza
Wed Apr 24, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1331

Re: Digital Nomad - Automobile Insurance Issues

She did call her insurer. They asked where the car was garaged. She ended the call and called me... Another issue came up as we began to look into it. Apparently, these companies that are offering physical address and mailbox services to establish domicile, are being flagged by banks and insurers as...
by LuigiLikesPizza
Wed Apr 24, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1331

Re: Digital Nomad - Automobile Insurance Issues

My understanding is that UPS storefronts are not considered permanent addresses.
by LuigiLikesPizza
Wed Apr 24, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Digital Nomad - Automobile Insurance Issues
Replies: 18
Views: 1331

Digital Nomad - Automobile Insurance Issues

My twin sister has become a digital nomad and gave up her permanent home, so therefore, her street address. She travels by automobile to various work sites, staying in hotels for a few weeks at a time. Her auto insurance is coming up for renewal. Somehow I assume they won't accept her current addres...
by LuigiLikesPizza
Sat Apr 20, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2972

Re: Apple MacBook Air - what to do next.

Yes, I usually don't recharge until it's down under the red zone, less than 20% I think is the cutoff.

Appears that is not an optimal strategy.

Thanks all.
by LuigiLikesPizza
Sat Apr 20, 2019 8:35 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2972

Re: Apple MacBook Air - what to do next.

Any battery extending tips for stretching this out until I can get time off to go to an Apple store?

powering it off completely, etc. - something like that? I may inadvertently be making the battery burn out sooner through my usage habits?
by LuigiLikesPizza
Sat Apr 20, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2972

Re: Apple MacBook Air - what to do next.

Any idea as to the ease of opening this up and putting a new one in? I really am clueless, don't even own any tools.

But thanks
by LuigiLikesPizza
Sat Apr 20, 2019 8:00 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air - what to do next.
Replies: 45
Views: 2972

Apple MacBook Air - what to do next.

My beloved Apple MacBook Air is starting to struggle to hold a charge. I suppose the next move would be to take it to the Apple Genius bar (not sure if that is the right name or not lol) and they might either service it there or send it out. Where I live, this is something of a huge hassle due to di...
by LuigiLikesPizza
Wed Apr 10, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 5154

Re: Tax filing software

Which software package (and online or CD?) did you use for 2018 and were you happy with how it worked for your situation (simple or complex?)

Thanks! Luigi Loves Pizza
by LuigiLikesPizza
Fri Mar 08, 2019 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth - who benefits most?
Replies: 9
Views: 1003

Backdoor Roth - who benefits most?

What is the financial profile of the person(s) who most benefit from a Backdoor Roth IRA?
by LuigiLikesPizza
Fri Mar 08, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Recommendations? www.1040.com?
Replies: 2
Views: 411

Recommendations? www.1040.com?

Have any of you used www.1040.com? Recommended? or any other tax programs? My situation: Loathe Turbotax Rent, no home or real estate Run a small micro-business as a sole proprietor relatively high income employee, but I understand that all my unreimbursed employee expenses are no longer allowed any...
by LuigiLikesPizza
Wed Feb 06, 2019 11:27 am
Forum: Personal Finance (Not Investing)
Topic: TLH - Trade Date vs. Settlement Date?
Replies: 1
Views: 123

TLH - Trade Date vs. Settlement Date?

Whenever I am counting the 30 days until I can buy back funds I sold for TLH, does the 30 day clock refer to the trade date or settlement date?

Thank you
by LuigiLikesPizza
Thu Jan 03, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quick TLH/Dividend question
Replies: 2
Views: 245

Re: Quick TLH/Dividend question

Thank you for clarifying that point. Appreciated.
by LuigiLikesPizza
Sat Dec 29, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Quick TLH/Dividend question
Replies: 2
Views: 245

Quick TLH/Dividend question

RE: tax loss harvesting and avoiding wash sales: when it comes to reinvested dividends, is the rule that the dividend must not have been reinvested in the 30 day period immediately prior to taking the loss? thanks
by LuigiLikesPizza
Sun Dec 02, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Moving Pods or "Packs" for long distance move
Replies: 12
Views: 1621

Moving Pods or "Packs" for long distance move

In the near future, I'll be moving the contents of a 10 X 10 storage unit, about 350 miles away.

Considering using those Pods or " U-Packs" - have any of you tried them? did it work out well for you? cost reasonable? thanks
by LuigiLikesPizza
Sat Dec 01, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: New Homeowner in Retirement/Travel Concerns
Replies: 16
Views: 2235

Re: New Homeowner in Retirement/Travel Concerns

If I ever did consider renting a room via AirBnB, it would definitely be while I was there..during the summer, when it would be quite profitable.

I am more considering to leave in the winter....snowbirding if you will. Maybe this question is more appropriate for snowbirds.
by LuigiLikesPizza
Sat Dec 01, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: New Homeowner in Retirement/Travel Concerns
Replies: 16
Views: 2235

Re: New Homeowner in Retirement/Travel Concerns

Thanks for the feedback, appreciated. I was raised in the area, so quite familiar with year round atmosphere. Additionally, there are a couple of nearby tourist attractions (nationally known) that significantly pump higher income tourists and their money into the area during the summer. It occurs me...
by LuigiLikesPizza
Sat Dec 01, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: New Homeowner in Retirement/Travel Concerns
Replies: 16
Views: 2235

New Homeowner in Retirement/Travel Concerns

I'm soon to retire (2019) and planning to move from a major city to a small, rural, college town I've specifically selected for retirement, or at least the early years of retirement. (I'm 58). I'm undecided about renting or buying. The only transience appears to be the students and educators moving ...
by LuigiLikesPizza
Mon Nov 05, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Fed employees - Quality Step Increase
Replies: 10
Views: 1081

Re: Fed employees - Quality Step Increase

I'm in the DC area. Current salary is $137K and change.

Next step increase would take me to $141K and change.


I was just told the bonus will be approx. 1.5% of salary, so approximately $2K

Thanks for the feedback so far, appreciated.