Search found 450 matches

by LuigiLikesPizza
Fri Apr 10, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Roku - how to use?
Replies: 12
Views: 782

Roku - how to use?

Hello, I am riding out the quarantine in an extended stay situation - renting a lovely rural home. The owners are a few time zones away and I would rather not bother them with this question if possible. Since I'm already feeling isolated, getting real time news suddenly feels important to me. There ...
by LuigiLikesPizza
Fri Apr 10, 2020 3:08 pm
Forum: Personal Investments
Topic: Buying & Selling Within the TSP?
Replies: 1
Views: 154

Buying & Selling Within the TSP?

When I want to complete a funds exchange within the TSP, does the TSP buy and/or sell when the market opens for the day or when the market closes for the day? I know they only trade out or in once per day. Thanks
by LuigiLikesPizza
Sun Mar 22, 2020 3:48 pm
Forum: Personal Investments
Topic: The other side of the equation - bonds & cash - changes?
Replies: 2
Views: 240

The other side of the equation - bonds & cash - changes?

The talk focuses on the equity side of the equation, but what about the fixed income side in this new environment? Humans have a basic need to feel they have control, especially when they don't. Most of my bond fund allotment is in the G fund, so that's locked up, nothing much to be done there. I al...
by LuigiLikesPizza
Sat Mar 21, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18853
Views: 2635730

Re: U.S. stocks in free fall

CULater:

Nobody knows the future, but we all have to pick a scenario and invest accordingly, and that's mine

Sorry if I missed a post, which scenario are you picking?
by LuigiLikesPizza
Thu Mar 19, 2020 2:15 pm
Forum: Personal Consumer Issues
Topic: AirBnB/Corporate Apartment/Cancellation?
Replies: 0
Views: 125

AirBnB/Corporate Apartment/Cancellation?

The current virus situation has caught me in a unique challenge. In preparation for retirement, I let my apartment lease lapse at the end of 2019, moved my possessions into storage and then moved into an extended stay hotel as I will be moving three states away in a few months. Originally, I had pla...
by LuigiLikesPizza
Thu Mar 19, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: Growing Sprouts/Microgreens?
Replies: 1
Views: 169

Growing Sprouts/Microgreens?

Any tips for a small set up at home?

I understand that broccoli sprouts are very healthy.

Thanks!
by LuigiLikesPizza
Thu Mar 19, 2020 11:26 am
Forum: Personal Consumer Issues
Topic: Large Flashlight?
Replies: 29
Views: 1738

Large Flashlight?

I need to go searching through a dusty attic in an old house for some items my mom wants saved before the house is torn down (the reason is immaterial to my question, but there it is). I have never owned a flashlight, but I think I need a large one that directs light in more than on small area, to a...
by LuigiLikesPizza
Mon Mar 16, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: E-Filing, state has not accepted my payment form
Replies: 0
Views: 94

E-Filing, state has not accepted my payment form

Two weeks ago, on March 2nd, I filed my 2019 taxes online through Tax Hawk. I received acknowledgement that both the federal govt and the state of Virginia accepted my returns, within several hours of filing. I haven't received my federal refund yet and I am not waiting for it. What kind of surprise...
by LuigiLikesPizza
Thu Mar 12, 2020 5:46 pm
Forum: Personal Investments
Topic: TSP - Roth Conversions?
Replies: 2
Views: 111

TSP - Roth Conversions?

I have a TSP that of course is losing value. It is 100% a Traditional Tax Deferred TSP.

Can I convert any of it to a Roth TSP? thanks
by LuigiLikesPizza
Thu Mar 12, 2020 5:41 pm
Forum: Personal Investments
Topic: First Time Roth Conversion, please check my steps
Replies: 2
Views: 131

First Time Roth Conversion, please check my steps

I hold a T-IRA at Fidelity. To state the obvious, the value has fallen recently. I am also retiring in a few months and I've been stuffing my 2020 income so far into my 401K = 2020 will be a low income year for me. So I've got a T-IRA that has fallen in value in a lowered income tax year. If I under...
by LuigiLikesPizza
Sat Mar 07, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: A consumer issue with Amex - not sure if I have recourse?
Replies: 4
Views: 714

Re: A consumer issue with Amex - not sure if I have recourse?

yes, all those details went into the claim documents.
by LuigiLikesPizza
Sat Mar 07, 2020 8:28 am
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 27573

Re: Where is Livesoft!?

I'm still missing Munchkin Man.
by LuigiLikesPizza
Sat Mar 07, 2020 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Question for TSP Account Holders - Roth
Replies: 2
Views: 202

Question for TSP Account Holders - Roth

I recently changed my TSP elections (more than 2 weeks ago) from having my contributions go toward my Traditional TSP account, to having them to go to a Roth TSP account. I received confirmation that the contributions would would go to the Roth with my recent payroll check. They did not go to a Roth...
by LuigiLikesPizza
Sat Mar 07, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: A consumer issue with Amex - not sure if I have recourse?
Replies: 4
Views: 714

A consumer issue with Amex - not sure if I have recourse?

I have the Amex Blue Business Card. Until January 1, 2020, the card offered purchase protection - in other words - a provision that extended the return time frame for items purchased with the card. I recently filed a claim for an item purchased in December, before the terms of the card changed. My c...
by LuigiLikesPizza
Sat Mar 07, 2020 7:49 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190974

Re: Bogleheads community discussion - Coronavirus

I'm kind of surprised that one issue that hasn't been raised (that I've seen) is the issue of mass transit. A specific group of people get on and off a plane or a bus during a specific trip. but with mass transit, people are entering and exiting every few minutes, around the clock. I can't imagine a...
by LuigiLikesPizza
Thu Mar 05, 2020 7:04 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190974

Re: Bogleheads community discussion - Coronavirus

Also, to add that anecdotal reports coming in from acquaintences that their employers are changing vacation policies - cancelling existing plans or requiring employees going out of state or country, to not return to the work location for a minimum of 15 days after their return to the home location. ...
by LuigiLikesPizza
Thu Mar 05, 2020 6:56 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190974

Re: Bogleheads community discussion - Coronavirus

Not long ago, I saw a comment somewhere here on BH, that one can recover from COVID-19 and become reinfected?

So there are no immunity gains from recovery?? I am confused.
by LuigiLikesPizza
Mon Mar 02, 2020 11:13 am
Forum: Investing - Theory, News & General
Topic: Where does the 50% number come from/worst case scenario?
Replies: 32
Views: 2576

Where does the 50% number come from/worst case scenario?

Over the years, I've noted people using a 50% decline as the worst case scenario for a stock market downtown. Not once, not twice, but all the time - 50% appears to be conventional wisdom. Where does the 50% estimate come from? What is it based on? As a side note, generally speaking, what rules are ...
by LuigiLikesPizza
Sun Mar 01, 2020 11:26 am
Forum: Personal Investments
Topic: Tax Loss Harvesting/Choosing Lots
Replies: 4
Views: 363

Tax Loss Harvesting/Choosing Lots

I hold my taxable account at Vanguard.

I've never sold before. When we go to sell, is there a way to filter for stock lots that have the largest delta between original purchase price and current price?
by LuigiLikesPizza
Thu Feb 13, 2020 10:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 5894
Views: 500730

Re: U.S. stocks continue to soar!

In the late 90s, I worked for a megacorp in the IT space...constant speculation that even though we were big, other big companies wanted to buy us...our stock price just rode up and up and up. AOL had offices near us....the stories drifted over...people out of high school going to work in the AOL ma...
by LuigiLikesPizza
Wed Feb 12, 2020 9:34 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129038

Re: Coronavirus (Consumer Issues) How you are preparing?

I bought a quart of Hibiclens before it goes out of stock.
by LuigiLikesPizza
Mon Feb 10, 2020 7:12 pm
Forum: Investing - Theory, News & General
Topic: Stocks with Shareholder Benefits?
Replies: 24
Views: 1459

Stocks with Shareholder Benefits?

Are there any individual stocks with notable shareholder benefits?

eg...buy one share, get a coupon for a free dinner or similar (not a judgement as to value, just as a general policy)
by LuigiLikesPizza
Sat Feb 08, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: New to Roth TSP, mechanics of it?
Replies: 1
Views: 219

New to Roth TSP, mechanics of it?

I am retiring this year, thus I have decided to now divert my TSP contributions to the Roth TSP versus my traditional TSP account. I see my agency has an internal portal where I can make this change. I am wondering how it appears on the TSP website? A separate account from my regular TSP? (I presume...
by LuigiLikesPizza
Wed Jan 29, 2020 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Child Support & Death of the Parent
Replies: 2
Views: 479

Re: Child Support & Death of the Parent

If the back child support was submitted to a state agency, it may have gone to the feds as well, who might try and attach some of his social security. He would have to get the state agency to drop it. Thank you. I am wondering if the death of the person owed is enough to extinguish it....hmmm, will...
by LuigiLikesPizza
Wed Jan 29, 2020 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Child Support & Death of the Parent
Replies: 2
Views: 479

Child Support & Death of the Parent

My 62 year old divorced cousin is a financial mess, part of it due to poor judgement, part of it due to bad luck. He is concerned about what happens on the day he can no longer work, so he came to me for advice. He works as a sound engineer for various bars & clubs & venues. Appears a lot of his inc...
by LuigiLikesPizza
Wed Jan 29, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4647
Views: 897679

Re: What's Your Credit Card Rewards Strategy?

Does anyone have a good credit card to recommend for dining out expenses? cash back OR points?

Does anyone have a good credit card to recommend to charge my cell phone bill to? for cash back or points AND insurance against theft, loss, damage?


THANK YOU
by LuigiLikesPizza
Sun Jan 26, 2020 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 29612

Re: Do you plan to actually spend down your portfolio?

My grandmother died last year at age 98. She entered a nursing facility at age 91. Within a year or so, her assets were drained. After that, the proceeds from her home went to the facility. After that, from what I understand, Medicaid and the state picked up the rest. The facility is/was on the camp...
by LuigiLikesPizza
Fri Jan 24, 2020 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Seeking Input from Retirees on COL/Experience
Replies: 6
Views: 468

Seeking Input from Retirees on COL/Experience

I have spent the past few decades living in one of the high cost cities in the US. My salary the past decade was about $140K-$150K, but over the decades, I have, at times, shared living expenses. Expect to retire soon - single, on one income. Expected annual income in retirement: $12K - pension incl...
by LuigiLikesPizza
Tue Jan 21, 2020 3:22 pm
Forum: Personal Investments
Topic: Another What to do about a Lump Sum? Quandary
Replies: 5
Views: 517

Re: Another What to do about a Lump Sum? Quandary

Thank you all so much. I guess with so much going on to retire, I have been in a brain freeze over this.

Good constructive feedback... I actually had thought about maybe looking at the upcoming Treasury auctions on the Fidelity site, but yes, treasury funds are along those lines too.

Thanks again.
by LuigiLikesPizza
Tue Jan 21, 2020 7:40 am
Forum: Personal Investments
Topic: Another What to do about a Lump Sum? Quandary
Replies: 5
Views: 517

Another What to do about a Lump Sum? Quandary

I am 59, retiring next month. I am hoping for at least a thirty year retirement. I am not certain I'll ever work again, since they tend to only hire younger people in my field now. I just took a lump sum payout from a former employer. The employer deposited $200K on my behalf into an IRA at Fidelity...
by LuigiLikesPizza
Tue Jan 21, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 333
Views: 70288

Re: What is your favorite consumer product?

bed of nails - as in an acupressure mat?

tell us more about what it does for you?
by LuigiLikesPizza
Sat Dec 28, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: iPhone - saving the battery?
Replies: 5
Views: 673

iPhone - saving the battery?

Tips for saving battery power?

I turned off the app refresh feature.

Anything else I can do to keep the battery from running down so quickly?
by LuigiLikesPizza
Thu Dec 26, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Albany NY - relocation
Replies: 11
Views: 816

Albany NY - relocation

My younger brother has received a job transfer to Albany, NY. He will only physically need to be in the city one day per week, so this gives him some flexibility in terms of housing locations. Please suggest any areas appropriate for a 40 something single professional. He enjoys coffee shops, art fi...
by LuigiLikesPizza
Thu Dec 26, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2339

Re: Sleep Masks & Ear Plugs

Perhaps I should clarify. Underlying health conditions have been ruled out.

Also, hoping for travel friendly solutions.

Thanks
by LuigiLikesPizza
Thu Dec 26, 2019 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Tax Calculators?
Replies: 10
Views: 978

Retiree Tax Calculators?

So, I've narrowed my possible retirement locations down to a handful of different states, based on various factors (mostly proximity to my human connections). So I thought I might then consider the various tax burdens imposed by these locations. As a start, I picked up Kiplinger's list of best locat...
by LuigiLikesPizza
Thu Dec 26, 2019 7:04 am
Forum: Personal Consumer Issues
Topic: Sleep Masks & Ear Plugs
Replies: 35
Views: 2339

Sleep Masks & Ear Plugs

I am a light sleeper and need help since my biggest issues are light and noise. I tried the foam ear plugs and they always fall out, no matter what I do.

Do they make over the head ear pads that are comfortable for sleeping?

Sleep mask suggestions appreciated too.
by LuigiLikesPizza
Sun Dec 08, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Re: Fed Employee Front Loading the TSP for 2020?

This doesn't make sense. FSAFEDS lets you spend $$$ before you contribute it? And they don't try to recover funds that were spent but never contributed?

From what I gather, this happens with all employers. (who knew??!)
by LuigiLikesPizza
Sun Dec 08, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Re: Fed Employee Front Loading the TSP for 2020?

I had a co-worker do exactly what you are proposing. Raise your contribution to 100% not a dollar value and your processing agency should make the standard deductions(healthcare, SS taxes, etc) and the rest will go to TSP. Congrats!

Thank you Collin! So easy even a caveman like me can do it LOL
by LuigiLikesPizza
Sun Dec 08, 2019 9:49 am
Forum: Investing - Theory, News & General
Topic: Psychologically Prepare for the Bear
Replies: 64
Views: 6123

Re: Psychologically Prepare for the Bear

I'm standing on the precipice of retirement, so the topic hits my gut. I have been slowly rebalancing, but am of the mindset that swapping equities for debt is a risk transfer, not elimination. So then I move some more to bank accounts and stare at the paltry returns. Trying to just accept this as a...
by LuigiLikesPizza
Sun Dec 08, 2019 6:47 am
Forum: Personal Finance (Not Investing)
Topic: GEHA HDHP & GEHA Dental - question
Replies: 4
Views: 460

GEHA HDHP & GEHA Dental - question

I have both the GEHA HDHP and GEHA Dental High Option. A recent EOB says: Total Charges $299.00 Max Allowed PPO Charges $226.00 Not Covered $73.00 Does this mean my dentist has contracted with GEHA to accept $226 for this service? I am wondering before paying the additional $73. Maybe this should be...
by LuigiLikesPizza
Sun Dec 08, 2019 4:54 am
Forum: Personal Finance (Not Investing)
Topic: TSP Rollover to Brokerage Question
Replies: 1
Views: 228

TSP Rollover to Brokerage Question

I have a Traditional sub account and a Roth sub account in my TSP. In 2020, I will want to rollover the Roth portion only to a brokerage. Does anyone know if I can rollover ONLY the Roth portion or do I have to rollover the entire TSP account? Still looking for guidance online, not yet finding it. T...
by LuigiLikesPizza
Sat Dec 07, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Re: Fed Employee Front Loading the TSP for 2020?

You need to keep the amount low enough so that enough funds will be left to cover Social Security, Medicare, pension contributions, health insurance, income taxes, etc. Yes, will be making the updates in my agency portal for payroll and benefits. Having sufficient funds to meet these obligations is...
by LuigiLikesPizza
Sat Dec 07, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Re: Fed Employee Front Loading the TSP for 2020?

Just curious- since you are retiring then presumably 2020 will be a low income year so have you considered designating the contributions all as Roth TSP? Note that the 2020 catchup amount is $6,500 (not $5,500). Thank you the catch on the catch up ;) Yes, all of these 2020 contributions will be div...
by LuigiLikesPizza
Sat Dec 07, 2019 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Re: Fed Employee Front Loading the TSP for 2020?

People almost always first raise the issue of missing out on matching funds...but if one is retiring, obviously future matching funds are largely irrelevant, no? I am just trying to consider whether anything I do in this regard - even a very large percentage - would "freak out" the payroll systems. ...
by LuigiLikesPizza
Sat Dec 07, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Fed Employee Front Loading the TSP for 2020?
Replies: 34
Views: 2093

Fed Employee Front Loading the TSP for 2020?

I'm planning to retire from federal employment in March or April of 2020. I'd like to contribute the max of $19,500 plus $5,500 in catch up contributions = $25K for 2020 in those first few months into, my TSP (401K) Are there any pitfalls that I might be missing? Is it a simple matter of increasing ...
by LuigiLikesPizza
Sun Dec 01, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Sidework/Consulting in Retirement, somewhat unique skills
Replies: 4
Views: 706

Sidework/Consulting in Retirement, somewhat unique skills

I am retiring in 2020 and looking forward to it. I am eager to have more free time, but also have some interest in maintaining a small work presence, as a consultant if I can. I am not crazy about doing future work related to what I've been doing for 30+years - but I do hold a very high level securi...
by LuigiLikesPizza
Fri Nov 29, 2019 1:33 pm
Forum: Personal Investments
Topic: Money Market Fund Fees
Replies: 3
Views: 423

Money Market Fund Fees

I was looking at some Money Market Fund offerings at Ameritrade. Many come with a $50 fee for transfers out if the funds have been there 90 days or less.
I'm not planning to move money, but yet the fee seems stiff.

I haven't come across it before, is it common?
by LuigiLikesPizza
Fri Nov 29, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Roth TSP (401K) Withdrawal Rules - ?
Replies: 8
Views: 821

Re: Roth TSP (401K) Withdrawal Rules - ?

Logically, it makes sense. I guess I am just surprised they would submit matching contributions into the Traditional TSP subaccount, when none of the employee contributions are going there at all. For some reason, I assumed that Roth contributions require giving up the match. Glad to know I am wrong...
by LuigiLikesPizza
Fri Nov 29, 2019 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Roth TSP (401K) Withdrawal Rules - ?
Replies: 8
Views: 821

Re: Roth TSP (401K) Withdrawal Rules - ?

Thank you. That's a nice surprise to hear - that even if you direct all your contributions to the Roth TSP, the agency still makes theirs - even if to the Traditional TSP.
by LuigiLikesPizza
Thu Nov 28, 2019 4:11 pm
Forum: Personal Consumer Issues
Topic: Moving to Schenectady/Albany NY
Replies: 10
Views: 1279

Re: Moving to Schenectady/Albany NY

Are there any walkable or reasonably vibrant suburbs or areas on the south side of Albany that would make it easier to make weekend runs to Manhattan?