Search found 939 matches

by Swansea
Fri Sep 18, 2020 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor disclosure and consent
Replies: 25
Views: 1482

Re: Doctor disclosure and consent

I have had multiple liquid nitrogen sprays over the years for precancerous growths. My insurer has always covered them.
I recommend check with your insurance company.
by Swansea
Fri Sep 18, 2020 5:28 am
Forum: Personal Investments
Topic: Thoughts on Cap-Weighting vs holding Small-Cap and Mid-Cap on their own?
Replies: 9
Views: 596

Re: Thoughts on Cap-Weighting vs holding Small-Cap and Mid-Cap on their own?

I have both a total stock market fund and a small/mid cap fund. Most of my domestic equity is in the total market fund. I think small/mid caps have recently underperformed the market, so additional monies will go into that fund for the immediate future. Compare the Vanguard Total Stock fund with the...
by Swansea
Thu Sep 17, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Metal chest cable exercise equipment
Replies: 0
Views: 111

Metal chest cable exercise equipment

I'd like to get a set of 3 to 5 metal cable springs to exercise chest and shoulder muscles. I would need a heavy duty set. Any recommendations are appreciated, I'm not interests in the band exercise equipment.
by Swansea
Sun Sep 13, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Managing Indoor Humidity
Replies: 62
Views: 3435

Re: Managing Indoor Humidity

My HVAC tech recommended a whole house dehumidifier to me when he noticed I had a portable dehumidifier in the basement. I did not go for it, as it was way too expensive. Also, since my basement is not heated nor cooled, only the two above ground floors are, I did not see how the whole house unit wo...
by Swansea
Wed Sep 09, 2020 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Dog Bite Case (for real - and I own the dog)
Replies: 56
Views: 7488

Re: Dog Bite Case (for real - and I own the dog)

- Vested1 - thank your for describing your experiences. Much appreciated, and taken to heart. We live in a semi-rural area and have a long driveway. We now have a milk crate at the base of the driveway with a sign, "deliveries," so delivery people do not drive up to the house. We have an electronic...
by Swansea
Wed Sep 09, 2020 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Dog Bite Case (for real - and I own the dog)
Replies: 56
Views: 7488

Re: Dog Bite Case (for real - and I own the dog)

You are fortunate in one regard, the bite was not reported to Animal Services/Control.
They sometimes will intervene to see if your dog should be declared a "dangerous" dog.
by Swansea
Mon Sep 07, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1524

Re: Federal Supervisory Engineer

:happy You're welcome, I wish you much success (and patience, haha) in your federal journey! After reaching FIRE and leaving classification earlier this year, I no longer get to use any of the knowledge so it was nice to offer some insight. It was also nice to find another forum member with classif...
by Swansea
Mon Sep 07, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: Gutter Downspout Question
Replies: 15
Views: 1629

Re: Gutter Downspout Question

to funnel water away without an exposed pipe, consider using a "pop up"

https://www.youtube.com/watch?v=n-O7mIJb8nA
by Swansea
Mon Sep 07, 2020 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1524

Re: Federal Supervisory Engineer

The government works differently from the private sector. Nonsupervisory work will sooner or later reach its dead end. In other words, there will be no more higher-graded opportunities based on technical work. You will progress through steps (either regular or quality step increases) until you reac...
by Swansea
Sun Sep 06, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1524

Re: Federal Supervisory Engineer

While I can't evaluate the AO's take on no promotional opportunity, AO probably is reflecting a budgetary reality is my best guess. Supervisory duties at a higher level will lead you to more administrative work and less technical, ratio is dependent upon the size of your workforce. Since you prefer ...
by Swansea
Sun Sep 06, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1524

Re: Federal Supervisory Engineer

Just re-read the intro to the guide, it has replaced the one for 1993 which I had worked with. So the old base level of work at 25% or more of the work force and the distinction between supervisors at levels A or B is now out. I would still take a look at the new guide vis-a-vis your new position de...
by Swansea
Sun Sep 06, 2020 5:31 am
Forum: Personal Finance (Not Investing)
Topic: Federal Supervisory Engineer
Replies: 14
Views: 1524

Re: Federal Supervisory Engineer

A 13 supervising 13s? I'm guessing the position supervises a team that is comprised of more lower grades as well? While the compensation is the same, I think this job would allow you to gain valuable experience to later be promoted to 2nd level supervisor. What is the ladder for a nonsupervisory en...
by Swansea
Fri Sep 04, 2020 9:32 am
Forum: Personal Finance (Not Investing)
Topic: BCBS or GEHA?
Replies: 59
Views: 2594

Re: BCBS or GEHA?

I've had BCBS Standard since 1973 and never had a problem.
by Swansea
Fri Sep 04, 2020 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Do I need life insurance?
Replies: 20
Views: 807

Re: Do I need life insurance?

My situation was once very similar, except no live in GF. My insurance agent called to sell me a life insurance policy. After I told him my situation, he said I did not need it.
by Swansea
Tue Sep 01, 2020 12:58 pm
Forum: Personal Investments
Topic: Tips on investing play money
Replies: 37
Views: 2053

Re: Tips on investing play money

The below from a NYT article by James Glassman. I remember he called it a fun and games account which should not exceed 10% of the portfolio. 5. Marginalize your gambling. Many young investors think they're such terrific stock pickers or market timers that they can whip the averages. That is a dubio...
by Swansea
Tue Sep 01, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 6933

Re: Cardio alternatives to treadmills?

Folks around here used to walk in the malls during the winter months.
by Swansea
Tue Sep 01, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Walmart+ service ($98/year = free delivery w/ $35+ order). Thoughts?
Replies: 121
Views: 7961

Re: Walmart+ service ($98/year = free delivery). Thoughts?

I've placed one order for delivery with them, it went fine. Delivery was free once you buy I think $35. Took to days.
Only downside was the tracking system was not very good.
by Swansea
Tue Sep 01, 2020 7:16 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 14641

Re: What is your age and asset allocation ?

Age 72, 60 stock 40 bond/cash
by Swansea
Fri Aug 28, 2020 7:18 am
Forum: Personal Investments
Topic: Asset Allocation for 47 year old
Replies: 25
Views: 2236

Re: Asset Allocation for 47 year old

Karl,
Will you have a pension or other source of income at retirement? That would influence the allocation.
by Swansea
Fri Aug 28, 2020 7:08 am
Forum: Personal Consumer Issues
Topic: Drug Not on Formulary - Options?
Replies: 11
Views: 895

Re: Drug Not on Formulary - Options?

I had c similar experience. My doc's office directed me to a pharmacy, which accessed a coupon issued after my plan rejected the claim. Price of the drug went from 785 to 50 with the coupon.
by Swansea
Thu Aug 27, 2020 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee - Hitting the wall
Replies: 1
Views: 574

Re: Federal Employee - Hitting the wall

Check the X118 Qualifications Guide to see if your education/background meets the requirements. Operations Research Quals are below:

https://www.opm.gov/policy-data-oversig ... ries-1515/
by Swansea
Mon Aug 24, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Backyard BBQ - easy
Replies: 42
Views: 3766

Re: Backyard BBQ - easy

I am on my second Weber. They are excellent. Try to stay away from the porcelain grates, they are tough to clean. Stainless steel are the best. You may have to swap out to get stainless steel, as they only come with some models.
by Swansea
Sun Aug 23, 2020 5:37 am
Forum: Personal Investments
Topic: Tax Returns For Next Year
Replies: 25
Views: 2213

Re: Tax Returns For Next Year

There's so much detail, too many things to learn and so much room for errors if you do it yourself. I suggest you get a 2019 copy of Turbotax. Use Turbotax to do your 2019 taxes (and learn how to download your info from brokerage firms, banks, etc) Now compare your result with the accountant. If th...
by Swansea
Fri Aug 21, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 51
Views: 5237

Re: Good quality face mask recommendation, please

student wrote: Sat Jul 18, 2020 3:25 pm This is a reputable place.

https://wyze.com/face-masks.html I ordered some.
+1 I received some and am happy with the comfort and fit.
by Swansea
Fri Aug 21, 2020 10:30 am
Forum: Personal Finance (Not Investing)
Topic: No Probate - Medical Bill Responsibilities
Replies: 15
Views: 1421

Re: No Probate - Medical Bill Responsibilities

While taking care of my Mother's affairs after she passed on, I found that medical providers would insist upon payment prior to billing my Mother's private insurance. Medicare paid for most, but the private insurance covers almost all the rest. I would write them and provide the private insurance in...
by Swansea
Thu Aug 20, 2020 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Managing finances for elderly parent long-distance
Replies: 33
Views: 1777

Re: Managing finances for elderly parent long-distance

Set up her bank and financial accounts so you can monitor them and/or pay bills, etc.
My Mother was defrauded twice, once by a former family member. Checks were stolen and her signature was forged. I noted one check cashed on the 3rd day of the month, right after SS payments are made.
by Swansea
Thu Aug 20, 2020 10:32 am
Forum: Personal Consumer Issues
Topic: MAC computer problem
Replies: 12
Views: 810

Re: MAC computer problem

I save my passwords on my computer in an Excel file. I password protect that file with a different password than the one which gives access to the computer.
by Swansea
Thu Aug 20, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Prescription Savings, Not Insurance - How does this work?
Replies: 6
Views: 651

Re: Prescription Savings, Not Insurance - How does this work?

I had a somewhat similar experience. My RX was not covered by insurance, so the pharmacy wanted $785...I declined. I called my doc's office and they sent the request to another pharmacy who said they could fill it for $50. I said go ahead, but how do you do that? They asked for my insurance, filed t...
by Swansea
Mon Aug 17, 2020 5:35 am
Forum: Personal Investments
Topic: DAF recommendations?
Replies: 31
Views: 1455

Re: DAF recommendations?

I hava an account with Schwab and have been very pleased. I get a letter confirming every transaction and contribution.
by Swansea
Sun Aug 16, 2020 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Feds: Reach Number, Stay or Go?
Replies: 38
Views: 4181

Re: Feds: Reach Number, Stay or Go?

Factor in that a deferred annuity computation is calculated on your high 3 salary while employed. Inflation adjustments will only happen once an annuity commences.
by Swansea
Sat Aug 15, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 72
Views: 19105

Re: TSP Participant Account Balances

CSRS employees can get SS depending on the years they contributed to SS outside of federal employment. I get SS besides my CSCR pension but it is reduced from what I should get because I was a federal employee. Sure, and I'll have a larger social security benefit vs. if I only consider my FERS care...
by Swansea
Sat Aug 15, 2020 5:51 am
Forum: Personal Consumer Issues
Topic: Preventive Car Maintenance for my 22 year old car
Replies: 31
Views: 2094

Re: Preventive Car Maintenance for my 22 year old car

Check the brake hoses, if they are original probably good to replace them.
by Swansea
Fri Aug 14, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Federal employee service computation date (SCD) question
Replies: 20
Views: 786

Re: Federal employee service computation date (SCD) question

Block 30 on the SF-50 will indicated the retirement plan. Below is how to get one.

https://www.opm.gov/FAQs/QA.aspx?fid=d2 ... a9d29d057e
by Swansea
Fri Aug 14, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 72
Views: 19105

Re: TSP Participant Account Balances

CSRS employees can get SS depending on the years they contributed to SS outside of federal employment. I get SS besides my CSCR pension but it is reduced from what I should get because I was a federal employee. Sure, and I'll have a larger social security benefit vs. if I only consider my FERS care...
by Swansea
Fri Aug 14, 2020 6:56 am
Forum: Personal Consumer Issues
Topic: Barbells
Replies: 65
Views: 5605

Re: Barbells

I hoping York Barbell Co. will be opening again soon. I intend to purchase from them.
by Swansea
Sun Aug 09, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 72
Views: 19105

Re: TSP Participant Account Balances

Interestingly, CSRS employees had the highest average Roth TSP account balances. The average FERS Roth TSP account balance was $5,719. The average CSRS Roth TSP account balance was $9,231. The average Uniformed Services Roth TSP Account balance was $3,211. This is particularly odd because it is the...
by Swansea
Sun Aug 09, 2020 12:07 pm
Forum: Personal Investments
Topic: TSP: G and F fund
Replies: 30
Views: 3569

Re: TSP: G and F fund

Check out the section of the url "How does the F fund perform." It is quite helpful.
TSP web site gives year by year total returns for the two funds.
by Swansea
Sat Aug 08, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Charitable giving in an estate will/trust
Replies: 12
Views: 701

Re: Charitable giving in an estate will/trust

I’m planning to revise my trust shortly and have a question regarding charitable giving. I haven’t often heard of leaving two chunks of money to heirs - money designed for them, and money designed for charity. Instead, estates usually seem to give some amount to charity, with the rest going to the ...
by Swansea
Fri Aug 07, 2020 11:04 am
Forum: Personal Consumer Issues
Topic: Grass seed brand recommendation
Replies: 8
Views: 802

Re: Grass seed brand recommendation

Thanks, but search function was not available. I will try it later.
by Swansea
Fri Aug 07, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Grass seed brand recommendation
Replies: 8
Views: 802

Grass seed brand recommendation

I will reseed in the fall with tall fescue. I have used Rebel seed in the past and am generally pleased with results, but am willing to try another brand if folks have enthusiasm about it. The location is about 15 miles north of DC. The lawn has more than adequate rainfall and gets a mix of sun and ...
by Swansea
Thu Aug 06, 2020 8:02 am
Forum: Personal Consumer Issues
Topic: Groundhog in crawl space
Replies: 34
Views: 2401

Re: Groundhog in crawl space

I've found saturating an old t shirt with green ammonia gets rid of the groundhogs under my deck.
by Swansea
Mon Aug 03, 2020 7:24 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8204

Re: What Car Maintenance Do You Do?

See if your local school system offers evening auto repair classes. I benefited greatly from working on my own car there with an experienced instructor on hand to help when I got stuck. Oil service cabin and engine filters plugs engine coolant gas tank removal shocks full disclosure: repairs were on...
by Swansea
Sun Aug 02, 2020 5:06 am
Forum: Personal Consumer Issues
Topic: Paying cash for a new car... should I let them run my credit?
Replies: 114
Views: 9330

Re: Paying cash for a new car... should I let them run my credit?

I paid cash by writing a check from my Vanguard Money Market. There was no problem and no discussion of a credit check.
by Swansea
Fri Jul 31, 2020 8:11 am
Forum: Personal Consumer Issues
Topic: Speed bump in front of your house — affect on home value
Replies: 54
Views: 4001

Re: Speed bump in front of your house — affect on home value

There are multiple speed "humps" on the next street over from me. I would not buy a house there and have to deal with the annoyance they cause.
by Swansea
Fri Jul 31, 2020 7:00 am
Forum: Personal Finance (Not Investing)
Topic: CPA asking for documentation
Replies: 21
Views: 2440

Re: CPA asking for documentation

Yes, paperwork from some small charities is often late or incomplete. The DAF does an excellent job and provides a letter with each contribution and electronic history on the website.
by Swansea
Fri Jul 31, 2020 6:46 am
Forum: Personal Consumer Issues
Topic: How long to keep a car
Replies: 110
Views: 8699

Re: How long to keep a car

I have a 1998 BMW which is a second car.
by Swansea
Thu Jul 30, 2020 5:09 am
Forum: Personal Finance (Not Investing)
Topic: CPA asking for documentation
Replies: 21
Views: 2440

Re: CPA asking for documentation

For the past few years I've used a CPA for my taxes. He asks me to submit proof to him of my cash charitable contributions. Is this standard practice? Now they are about 15% of my AGI, perhaps that is a factor? Do you have any confirmations from the charities at all? How would you verify that someo...
by Swansea
Wed Jul 29, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: CPA asking for documentation
Replies: 21
Views: 2440

CPA asking for documentation

For the past few years I've used a CPA for my taxes. He asks me to submit proof to him of my cash charitable contributions. Is this standard practice?
Now they are about 15% of my AGI, perhaps that is a factor?
by Swansea
Mon Jul 27, 2020 2:22 pm
Forum: Personal Consumer Issues
Topic: what is on my basement ceiling?
Replies: 9
Views: 2056

Re: what is on my basement ceiling?

I am 0 for 2 on room dehumidifiers. I bought a Frigidaire last year, which did not work. Bought a Honeywell 50 pt this year, never extracted a drop. I was reimbursed for the Frigidaire and am waiting to see what Honeywell will do re replacement/reimbursement. I had a Kenmore for years that was fine,...
by Swansea
Thu Jul 23, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Moving to Baltimore area
Replies: 49
Views: 3759

Re: Moving to Baltimore area

Howard County is the best county in Maryland. There is a proposed change to the school system that has parents in an uproar. If you consider HC, check into the proposed change to neighborhood schools.