Search found 256 matches

by MandyT
Fri Jan 31, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 7874

Re: I have a question for those in early FIRE or planning on early FIRE

When I ask a question like this it is basically because I am wondering if I lack the imagination to properly picture how things would be. I don't understand. I thought you tried early retirement and were bored out of your mind, so you went back to work. Recently, you said that your favorable financ...
by MandyT
Sun Jan 19, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 50
Views: 5660

Re: 2020 Bogleheads Conference and Survey

Personally, I always start my visits on the index page and scan for interesting threads across all forums. I basically don’t really care or pay attention to the forum structure. https://www.bogleheads.org/index.php I tend to use the index page, too. My usual practice is to read topics chronological...
by MandyT
Sat Jan 18, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 50
Views: 5660

Re: 2020 Bogleheads Conference and Survey

I posted this about two years ago. I'd like to (very respectfully, I hope) point out two things that went somewhat awry with last year's announcement. (1) For months, it had been "known" that the announcement would be made on April 5, but it ended up being made on April 2. While I sort-of understand...
by MandyT
Sat Jan 11, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7046

Re: How do you mentally process stupid ways of losing money?

This thread has been an interesting read. I have a feeling that not every strategy works for every individual, so it's good to have a variety of suggestions. Freefun's post reminded me of one of my favorite quotes from Teddy Roosevelt: "The only man who never makes a mistake is the man who never doe...
by MandyT
Thu Jan 09, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5123
Views: 1312795

Re: What Movie Have You Recently Watched?

Knives Out A gloomy but imposing mansion provides the perfect backdrop for this spoof of whodunit movies. Although I say spoof, it was not silly, and had mystery and intrigue along with some funny moments. I was a little disappointed that the much anticipated twist was not totally unexpected. I'm n...
by MandyT
Wed Jan 08, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 28681

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Which particular forum section on the Boglehead website are we supposed to monitor exactly? This one that Mel posted in? Board index < US Investors < Investing - Theory, News & General That is where Mel always posts the announcement. I still do not understand why it is not more logical to post it u...
by MandyT
Wed Jan 01, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5123
Views: 1312795

Re: What Movie Have You Recently Watched?

I went to see Terminator: Dark Fate in a second-run theater. For various reasons, the first two Terminator movies have sentimental significance for me, and I've actively avoided the next three Terminator movies, but I decided I wanted to see Dark Fate. While I could see some of the flaws I had heard...
by MandyT
Fri Nov 15, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 2152

Re: Experience/cost MLB spring training?

Congrats to the Nats! I am a Cardinals fan and decided to start with a 2-day trip to Spring Training in 2018 to see what I thought. Cardinals ST is in Jupiter, not that far from where the Nats have theirs. A few observations: (1) I have gone to MLB games at several stadiums and was always able to st...
by MandyT
Thu Nov 14, 2019 2:03 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 51079

Re: [What UN-frugal thing do you do? What do you splurge on?]

I've been known to do weird-frugal things when I travel if it's just a matter of comfort (as opposed to health or safety). So I'm kind of proud of myself for doing something un-Mandy like. Specifically, for one direction of an upcoming trip, I decided to pay $231 for first class (first leg about 3 h...
by MandyT
Thu Oct 24, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)
Replies: 26
Views: 2172

Re: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)

Are you eligible for a sabbatical? That would do a couple of things for you: it would give you the opportunity to explore other possibilities, and it would give you a break that might rejuvenate you if you return to your position for the long-term.
by MandyT
Mon Oct 21, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a risk to overdraft protection feature?
Replies: 23
Views: 1639

Re: Is there a risk to overdraft protection feature?

This question actually came up for me about three months ago, when I was opening a bank account in a new city. I'm in the habit of using a high-yield checking account at a local brick-and-mortar bank as a "hub" for my financial activity and looked for something similar in my new location. Because th...
by MandyT
Fri Oct 18, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1401
Views: 159076

Re: What frugal thing did you do today?

A Broadway singer I like came to my city to do two shows (Wednesday and Thursday night this week) in a jazz venue. Tickets were $50, and these kinds of shows usually run about 75 minutes. I couldn't quite make myself pull the trigger for $50, so I called the box office to see if they had any discoun...
by MandyT
Fri Sep 20, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 3179

Re: Tax Aid Volunteering for AARP or VITA

Thanks for the replies and links!
by MandyT
Wed Sep 18, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 52
Views: 3179

Re: Tax Aid Volunteering for AARP or VITA

I might be interested in one of these volunteer programs, but I'm wondering whether there are any liability issues if I make a mistake. Can anyone shed any light on this?
by MandyT
Mon Sep 16, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: VG "You've successfully logged off"
Replies: 18
Views: 1893

Re: VG "You've successfully logged off"

Way too much fear and concern here. You need to have right protections in place on your computer to defend against that. Cheers Yes Silk, the "chicken-little knee-jerks" sure seem to pop up fast. I find it a dichotomy that at a site like this which is based long term logic, that quite a few seem to...
by MandyT
Wed Sep 11, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1714
Views: 191298

Re: [What TV Show Have You Recently Watched?]

Finally saw the series finale of Magnum PI and it was pretty bad. Although nothing tops the horrible finale of Wonder Years. It was as if they wanted to ruin the show in reruns. It's been a while since I saw the finales of Magnum and Wonder Years. Were they worse than the finales of Lost and How I ...
by MandyT
Wed Sep 11, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Quebec City in October
Replies: 23
Views: 2078

Re: Quebec City in October

We were there in October several years ago. The weather changed suddenly, the wind blew like crazy, and it was freezing cold. So be sure and take appropriate layers. Enjoy! This is all I was going to say. In the summer of 1981, I worked in Burlington, VT, and a friend and I took a weekend driving t...
by MandyT
Sat Sep 07, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Pension Plan Annuity Offers and COLA dilemma
Replies: 6
Views: 711

Re: Pension Plan Annuity Offers and COLA dilemma

I retired two years ago and had a similar decision (either a flat, non-inflation-adjusted monthly amount or a smaller starting amount with a 2% increase each year). In my case, the break-even point in nominal dollars was about 20 years (age 75-76). I actually made a couple of posts about this and sa...
by MandyT
Tue Aug 27, 2019 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 30249

Re: Social Security -- Take it at 62, 67 or 70

I’d rather enjoy the money when I can and cut back later, if needed. And, as I age, I’m realizing your biggest regrets are often things you didn’t do and not things you did. It seems as if you are equating "claiming SS earlier" with "spending more money earlier". This does not necessarily have to b...
by MandyT
Wed Aug 21, 2019 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4848

Re: Paying credit card "current balance" vs. "statement balance"

Chase actually handles this in a way that is favorable to the customer. There is a quantity called "Remaining Statement Balance". If I redeem cash back, it reduces the Remaining Statement Balance and that's all I have to pay to avoid finance charges. For my Citi Double Cash, I redeem cash back to my...
by MandyT
Mon Aug 19, 2019 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 72
Views: 5996

Re: When to move into retirement

I would be more concerned about affordable medical insurance than any of the other factors you listed. I am currently paying more than $20,000 year for insurance and co-pays (for just me). I hadn't planned to retire that early, but FIRECalc's projections were favorable and I was feeling burned out ...
by MandyT
Mon Aug 19, 2019 11:07 am
Forum: Personal Finance (Not Investing)
Topic: When to move into retirement
Replies: 72
Views: 5996

Re: When to move into retirement

I would be more concerned about affordable medical insurance than any of the other factors you listed. I am currently paying more than $20,000 year for insurance and co-pays (for just me). I retired when I did because of an unusual situation involving retiree medical insurance. At the university at...
by MandyT
Tue Aug 13, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3843

UPDATE to What to do with a 24" analog CRT TV?

Checking back in to avoid being a hit-and-run poster. I haven't done anything with the TV yet because I'm not moving until mid-July. My town recycles electronic waste, but CRT TV's are not free to recycle. The fee is probably nominal, but my sense is that I could find a way to give it away without ...
by MandyT
Sun Jul 28, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Accomodation options for NY visit
Replies: 25
Views: 2001

Re: Accomodation options for NY visit

I've stayed at the Sleep Inn on 13th Street, the Ramada Inn on Crescent Street, and the Quality Inn on 40th Avenue, all in Long Island City (Queens). All were perfectly serviceable and an easy walk to the subway; you may have to make a connection to the 7 line for the tennis match, but it shouldn't ...
by MandyT
Sat Jul 06, 2019 6:10 pm
Forum: Personal Consumer Issues
Topic: inkjet printer recs
Replies: 34
Views: 1850

Re: inkjet printer recs

I see that you've decided to buy a laser printer, but here's a data point: I have had excellent results from my Canon inkjet all-in-one. It's a PIXMA MP250 that's pretty old now--the model was first listed on Amazon in 2009. My prior printer had been a Lexmark in which the ink would dry up if I didn...
by MandyT
Sun Jun 23, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: Vegas - Any Kid friendly inexpensive shows ?
Replies: 17
Views: 2015

Re: Vegas - Any Kid friendly in-expesive shows ?

DanMahowny wrote:
Fri Jun 21, 2019 2:42 pm
mackingshow.com

kid friendly, and inexpensive.
+1 (for future reference)
by MandyT
Fri Jun 14, 2019 12:34 pm
Forum: US Chapters
Topic: Trying out a new signature
Replies: 6
Views: 1520

Re: Trying out a new signature

I'm basically a bandwagon fan, but it has been an incredible ride. I was at Game 6 against the Jets which was an amazing experience. The only other pro hockey game I've been to was Game 1 against the Sharks in 2016 (lost the series but won that game--I posted about it here). If I had a certain kind ...
by MandyT
Sun Jun 02, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3843

Re: What to do with a 24" analog CRT TV?

Wow. You never know what you will learn here. I decided last week to get rid of my Sony Wega from my office that gets used about once every two years these days. Probably used less than 200 hours total. Expected just to put it in tomorrow’s trash. (Waste company is required to pick up recycle one e...
by MandyT
Sat Jun 01, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3843

Re: What to do with a 24" analog CRT TV?

Checking back in to avoid being a hit-and-run poster. I haven't done anything with the TV yet because I'm not moving until mid-July. My town recycles electronic waste, but CRT TV's are not free to recycle. The fee is probably nominal, but my sense is that I could find a way to give it away without h...
by MandyT
Fri May 31, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3843

Re: What to do with a 24" analog CRT TV?

I didn't mean to imply that I was actually going to try to sell it on eBay; just wondering whether there might be value I was overlooking. Apparently there are some older model TV's that are of interest to gamers, but I don't think this is one of them.
by MandyT
Fri May 31, 2019 5:36 pm
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3843

UPDATE to What to do with a 24" analog CRT TV?

I'll be moving about 100 miles in a few weeks. I've been using an analog Sanyo TV with a digital converter box. It works well enough, but the old-fashioned aspect ratio results in part of the picture getting cut off at the sides. I've been telling myself that I"ll upgrade "when I move"; after 14 yea...
by MandyT
Fri May 24, 2019 6:25 pm
Forum: Personal Consumer Issues
Topic: PSA: Free Sirius/XM Broadcasting through [June 4, 2019]
Replies: 24
Views: 2828

Re: PSA: Free Sirius/XM Broadcasting through June 4

The current free preview runs through June 4.
by MandyT
Tue May 21, 2019 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can a cashiers check be made out to cash?
Replies: 18
Views: 1260

Re: Can a cashiers check be made out to cash?

Could you get the cashier's check made out to the vendor "or" you?
by MandyT
Mon May 20, 2019 8:26 pm
Forum: Personal Investments
Topic: Tricky Roth IRA Questions
Replies: 41
Views: 3827

Re: Tricky Roth IRA Questions

Yes, your understanding is correct. Come 2022 any distributions from your Roth will not need to be reported on Form 8606, just on line 4a of Form 1040. Of course, taking distributions from an account that will otherwise generate tax free earnings should be carefully considered. Quick clarification:...
by MandyT
Mon May 20, 2019 3:05 pm
Forum: Personal Investments
Topic: Tricky Roth IRA Questions
Replies: 41
Views: 3827

Re: Tricky Roth IRA Questions

Yes, your understanding is correct. Come 2022 any distributions from your Roth will not need to be reported on Form 8606, just on line 4a of Form 1040. Of course, taking distributions from an account that will otherwise generate tax free earnings should be carefully considered. Quick clarification:...
by MandyT
Fri Apr 12, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 92
Views: 23122

Re: What is a good flat rate cash back credit card?

Someone may have mentioned this, but there is one small caveat with the Citi Double Cash which I was not aware of for a long time. If you apply cash back rewards to your statement credit you do not get the second 1% match on that amount. So I switched and started getting a check sent when I redeem ...
by MandyT
Mon Apr 08, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Married couples: can you have a team mentality with separate finances?
Replies: 183
Views: 9718

Re: Married couples: can you have a team mentality with separate finances?

So when his other businesses failed/lost money, how did he eat and keep a roof over his head? Did you contribute at all? This is also a point of contention. When he was working on these ventures, my paycheck was being deposited into our joint checking account and expenses were being paid out of tha...
by MandyT
Sat Mar 30, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: Deferring HSA by paying medical Out-of-Pocket: Overblown?
Replies: 42
Views: 4008

Re: Deferring HSA by paying medical Out-of-Pocket: Overblown?

If you make a pretax contribution to your HSA,, it is not subject to federal income tax, Medicare tax or Social Security tax . If you pay on an after-tax basis, your contributions are subject to all of those taxes. from https://budgeting.thenest.com/can-hsa-reduce-gross-taxable-income-payroll-state...
by MandyT
Thu Mar 21, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R for Roth conversion?
Replies: 3
Views: 375

Re: 1099R for Roth conversion?

I believe you also get a 5498 in May. The 1099-R documents the money leaving the traditional IRA and the 5498 documents the money entering the Roth IRA.
by MandyT
Tue Mar 05, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: How To Buy Another Home Before Selling Your First?
Replies: 19
Views: 2266

Re: How To Buy Another Home Before Selling Your First?

On a timeline here, trying to get into the next house before the school year starts (September 2019), as we have a four year old who is starting kindergarten. ... This would be so simple if I can sell now, then rent in the area we are looking to move to, but it's kind of rural and there are no apar...
by MandyT
Fri Feb 22, 2019 4:42 pm
Forum: Personal Investments
Topic: Back door Roth IRA question.
Replies: 6
Views: 379

Re: Back door Roth IRA question.

That just seems easier, why have them open a fidelity account and then transfer to vanguard? The clearance probably takes a lot longer that way too. Transferring funds between institutions usually takes 7-10 days vs prob a day to recharacterize between tIRA to rIRA at the same place. I just wanted ...
by MandyT
Thu Feb 14, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 38
Views: 2434

Re: One week family vacation in Miami/Fort Lauderdale Area

Just a data point: I'm almost fanatical about using public transportation wherever/whenever possible, but I rented a car for a short trip to Florida last March. The increased flexibility with respect to choice of airport and where to stay (I ended up in AirBnB's) made it worth it. I managed to avoid...
by MandyT
Mon Feb 04, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 8606 Free File Fillable Forms
Replies: 8
Views: 1285

Re: IRS Form 8606 Free File Fillable Forms

The availability date is now showing as 2/14/19.
by MandyT
Tue Jan 29, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 61
Views: 5520

Re: Tax filing software

I've used freefilefillableforms.com for years now and it works just fine. The downside is you have to enter the 1099's and W2s. For me, there's another downside this year. I did a Roth conversion in 2018 so I need Form 8606. Unfortunately, this was just made final by the IRS less than a week ago. T...
by MandyT
Sun Jan 27, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 5546

Re: Vanguard Tax Forms Now Online

Did a backdoor roth IRA in 2018 (just like I did in 2017), but only received a 1099-R and no Form-5498 like I did in 2017. What gives? Forms 5498 generally come out in May, presumably because they include information about contributions that can be made until mid-April. For example, the last time I...
by MandyT
Fri Jan 25, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Form 8606 Now Available
Replies: 1
Views: 336

2018 Form 8606 Now Available

I did a Roth conversion in 2018 so I have been checking frequently to see when Form 8606 would go from "draft" to "final" status. As of today, the form and instructions have been approved.
by MandyT
Sun Jan 20, 2019 12:59 pm
Forum: Investing - Theory, News & General
Topic: IRS Form 8606
Replies: 14
Views: 1726

Re: IRS Form 8606

Withdrawals from a traditional IRA or conversions from a tIRA to a Roth will require a form 8606 if and only if there is non-deducted basis in the tIRA (line 14 (in recent years) of part I of the last form 8606 you filed.) Is this right? At the beginning of Part II of the 2018 draft form, it says "...
by MandyT
Tue Jan 15, 2019 1:45 pm
Forum: US Chapters
Topic: St Louis Bogleheads
Replies: 129
Views: 26371

Re: St Louis Bogleheads

Something else came up for 1/19, but I hope to attend a future get-together.
by MandyT
Fri Jan 11, 2019 9:39 pm
Forum: Investing - Theory, News & General
Topic: Simultaneous undershirt discussions - Market Indicator?
Replies: 21
Views: 1643

Re: Simultaneous undershirt discussions - Market Indicator?

David Jay wrote:
Thu Jan 10, 2019 4:20 pm
There are currently two active threads discussing Undershirts.
I count three. :mrgreen:
by MandyT
Tue Jan 08, 2019 9:35 am
Forum: Personal Consumer Issues
Topic: "Road Scholar" Travel
Replies: 18
Views: 2530

Re: "Road Scholar" Travel

I took a two-week, classical music focused trip to Europe using Road Scholar in May 2018. I was very satisfied. Our excursion included several events and meet-and-greets that were not available to members of the general public. I'm usually more of an independent self-planner than a group itinerary p...