Search found 161 matches

by csm
Sat Apr 14, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Buy I-Bonds before May 1 or After?
Replies: 16
Views: 1780

Re: Buy I-Bonds before May 1 or After?

I've decided not to over-analyze it. For both I-Bonds and annual IRA contributions, I make all purchases in early January ($10,000 each for me and my husband for I-Bonds and $6,500 for each of us for IRA which is a tIRA >> Backdoor Roth). This way, I get these investments out of the way at the begin...
by csm
Mon Apr 09, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: What would an extra $2000 in cash flow mean for a large family?
Replies: 58
Views: 4038

Re: What would an extra $2000 in cash flow mean for a large family?

I just read through this and your earlier thread on this subject.

If you were currently unemployed and had these two offers on the table, which one would you select?
by csm
Thu Feb 22, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 21
Views: 3137

Re: Capital One 360 Money Market now at 1.5%

Is the $200 bonus still effect? I read conflicting info from different websites. Do you need a code? Thanks The offer I received was good until February 16th - I think the code was GAIN200 but not totally sure. I received it in the postal mail as well as email. I already had a Capital One 360 check...
by csm
Thu Feb 22, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Money Market now at 1.5%
Replies: 21
Views: 3137

Re: Capital One 360 Money Market now at 1.5%

I had just opened a Capital One 360 MMA a week ago based on an offer for a $200 bonus with a $10,000 deposit. Nice to get 1.5% since I moved the cash from my Ally online savings that is earning 1.45%.
by csm
Tue Feb 20, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: Sams Club vs Costco
Replies: 78
Views: 6335

Re: Sams Club vs Costco

We just joined Costco yesterday after reading a few posts here about the extended warranty for televisions. We were shopping for a TV and becoming increasingly frustrated with the BestBuy experience as well as the price fixing across all the shops (online as well as brick and mortar) that do the pri...
by csm
Tue Feb 20, 2018 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Married Filing Separately - Roth IRA oops
Replies: 13
Views: 801

Re: Married Filing Separately - Roth IRA oops

I don't know if you have an option to "undo" the Roth contribution now and then instead make a non-deductible Traditional IRA contribution. Once you've done that, you can backdoor the tIRA to a Roth. Even if you cannot do it on the erroneous 2017 contribution, it may be something to consider for 201...
by csm
Sat Feb 17, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8129

Re: Effect of spending money on appearance in career

This is a sensitive topic and difficult to respond to without knowing the environment, your general appearance, the industry, etc. I applaud you for taking a proactive approach for ways you can improve your chances for promotion, rather than just whining about how you've been held back when others a...
by csm
Tue Feb 13, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Increased pay versus personal and job satisfaction
Replies: 12
Views: 1197

Re: Increased pay versus personal and job satisfaction

Is the 3x vacation a move from 2 weeks a year to 6 weeks a year, or from a month a year to three months a year, or some other amount? Four times the income and a move to a less expensive area sounds like you could save at least 3/4 of your pay and still live more extravagantly than now. For example,...
by csm
Tue Feb 13, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 996

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Firstly, you are not eligible to file as Head of Household if you are married. HoH is only for unmarried individuals who are responsible for dependents. Your options for filing status are either Married filing separately, or Married filing jointly. No other options if you are legally married, regar...
by csm
Mon Feb 12, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Expat tax question: How to be eligible for MFJ with non-resident spouse?
Replies: 14
Views: 996

Re: Expat tax question: How to be eligible for MFJ with non-resident spouse?

Firstly, you are not eligible to file as Head of Household if you are married. HoH is only for unmarried individuals who are responsible for dependents. Your options for filing status are either Married filing separately, or Married filing jointly. No other options if you are legally married, regard...
by csm
Sat Feb 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7989

Re: Tips on Buying a Class-B RV

If people are parking pickups I think you'd be save with a B. My condo prohibits any kind of pickup (or motorhome) except in a reserved area of the parking lot for short-term purposes. I do agree the argument could be made that it's a motorhome and not a van but if a B still meets the letter of the...
by csm
Sat Feb 10, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7989

Re: Tips on Buying a Class-B RV

Congrats WoodSpinner! Please keep us posted as you take delivery and start to travel. The PleasureWay (Lexor) would be my choice if it were not for the bed length that bothers my husband. From all of our research, I think PW is a much higher quality than the Roadtrek you considered (we actually visi...
by csm
Wed Feb 07, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7989

Re: Tips on Buying a Class-B RV

I'm taller than 72" but sleep in a 72" bed with hard stops on both ends all the time, never an issue. What about stand-up room and walking around without hitting the ceiling or low-hanging accessory? That would be more of an issue I'd think. A short bed with hard stops on both ends is a deal-breake...
by csm
Wed Feb 07, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Tips on Buying a Class-B RV
Replies: 104
Views: 7989

Re: Tips on Buying a Class-B RV

My husband and I have been researching RVs for a couple of years now, planning for what was - at the time we started looking - impending retirement. We are now retired (a month in) and are still uncertain between a B, B+, travel trailer, A class ..... or a Toyota Highland Hybrid and hotels (with a t...
by csm
Mon Feb 05, 2018 9:50 am
Forum: Investing - Help with Personal Investments
Topic: American Expats and FEIE: no tax advantaged accounts?
Replies: 21
Views: 1488

Re: American Expats and FEIE: no tax advantaged accounts?

Check with your accountant, but I believe you can still contribute to a traditional IRA but it would *not* be deductible. I’m pretty sure you can’t fund an IRA without earned income and if you’ve excluded all your earned income with FEIE (Foreign Earned Income Exclusion) you don’t have any earned i...
by csm
Sat Feb 03, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: American Expats and FEIE: no tax advantaged accounts?
Replies: 21
Views: 1488

Re: American Expats and FEIE: no tax advantaged accounts?

Check with your accountant, but I believe you can still contribute to a traditional IRA but it would *not* be deductible. Then, if desired, you could backdoor it to a Roth IRA with no tax liability since taxes would have already been paid. This would give you the opportunity to start growing a Roth ...
by csm
Sat Feb 03, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3630

Re: Disney visit

Lots of good suggestions here and it all depends on how your family likes to travel, your tolerance for the traffic, whether you want kitchen facilities and/or private sleeping space for the adults and kids, etc. People are so different when they travel, it really depends on your family. I know fami...
by csm
Sat Feb 03, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3630

Re: Disney visit

On the other hand, you won't have access to the various Disney transportation opportunities (including the Magical Express to/from the airport, if you're flying, and limited/no use of the various monorail/boat/bus networks ), ... and you won't receive MagicBands (their proprietary RF wristband for ...
by csm
Thu Jan 25, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16684

Re: Dear wife quits job and now we are down to 1 income

Someone suggested how to lower the cost of diapers and formula by purchasing via Amazon. OP also mentioned having cable, Netflix, etc. If you join Amazon Prime ($99 per year, I believe), you will get free two-day shipping on purchases (some same-day and 2-hour deliveries) plus Amazon Prime video, mu...
by csm
Mon Jan 22, 2018 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2528

Re: How to Calculate Value of Defined Benefit Plan

I'm not sure if you wrote about having ready access to a cash emergency fund. If you don't have one, focus on funding one right away. If you do have one, keep funding it so it becomes another solid part of your financial foundation (I'd suggest growing it at last at the same rate as inflation). Yes...
by csm
Mon Jan 22, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2528

Re: How to Calculate Value of Defined Benefit Plan

Are you taking this into account for determining your Asset Allocation? Sort of, although most likely not in the way of most Bogleheads. I'm conservative, so excluding the pension, I spent the last couple of years getting all other non-cash investments moved into low cost index funds, split between...
by csm
Mon Jan 22, 2018 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2528

Re: How to Calculate Value of Defined Benefit Plan

Yes, that lump sum is a very bad deal compared with that pension. It's so bad that...are you sure those numbers are correct? We must have been posting simultaneously. :happy Yes, the numbers were correct when posted in April 2016. The final numbers last month before I retired were annual pension of...
by csm
Mon Jan 22, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: How to Calculate Value of Defined Benefit Plan
Replies: 22
Views: 2528

Re: How to Calculate Value of Defined Benefit Plan

Hi all, It was interesting to see this thread bumped up now - my original post was nearly two years ago. But a good time to report that I retired three weeks ago at the end of 2017. :happy With regard to the pension vs. lump sum, as I said in my original post "I would never consider the lump sum," b...
by csm
Sat Jan 06, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: How to browse specifically for homes with "mother-in-law suite"?
Replies: 29
Views: 1963

Re: How to browse specifically for homes with "mother-in-law suite"?

You might also search for homes with "garage apartments." I don't know how common these are nationwide, but they are very common in some newer master planned communities. Of course, most would involve stairs, in case that is an issue. But they are completely self-contained units over the garage with...
by csm
Sat Jan 06, 2018 5:08 am
Forum: Personal Consumer Issues
Topic: Buying a new home at age 50 in a nicer neighborhood
Replies: 133
Views: 16760

Re: Buying a new home at age 50 in a nicer neighborhood

Congrats - the remodel is lovely. The "before" and "after" of the living room looks like out of a decorating magazine.
by csm
Thu Dec 28, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 13416

Re: Ally Bank 12 month CD now 2.00%

I just closed out my two 11-month no penalty CDs and re-purchased the 12 month CDs. Surprised how quick and easy it was, including the step to open a checking account since I previously only had an online savings account and didn't want to get caught with too many transactions in a single month. If ...
by csm
Sun Dec 10, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18072

Re: Save all this money, what do you splurge on?

csm, I go with this one because I prefer to buy from a local bike store. http://www.wearea2b.com/index.php/en_ca/e-bike-collection/usa-kuo-plus You may want to check out the discussion on the following thread. https://www.bogleheads.org/forum/viewtopic.php?t=225520 KlangFool Thanks! We also plan to...
by csm
Sun Dec 10, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18072

Re: Save all this money, what do you splurge on?

KlangFool wrote:
Sat Dec 09, 2017 11:20 am
OP,

I spent $1,700 on an electric folding bike. That extends my biking distance.

KlangFool
Which one did you get, KlangFool, and how do you like it? My husband and I are planning to get electric folding bikes next month.
by csm
Sun Nov 19, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum
Replies: 10
Views: 2253

Re: Ally Bank 1 Year CD now 1.65% with 25,000 Minimum

Please forgive me if this is old news (I will delete this post if so), but I just noticed it on Ally Bank's website... Although the rate appears to have changed several weeks ago , it is always beneficial to mention this for anybody (like myself) who didn't notice the original change. Also reported...
by csm
Wed Nov 15, 2017 4:12 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26085

Re: MoviePass-Too good to be true, but it's legit.

The real problem for MoviePass is they add no value. If your local cinema wants an all you can watch pass, they can do it. No need to split the money. The value comes from being able to use it at multiple locations. I doubt I would pay a flat fee to a single cinema monthly, but the MoviePass can be...
by csm
Fri Nov 10, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Re: Best option for large foreign currency transfer

I do not know what to do with regard to country of residence. I would ask Interactive Broker (IB). The difference between IB and transfer wise is about $1800. You have to decide whether its worth your trouble. Thank you for the detailed suggestion. Is the $1800 difference based on approximately the...
by csm
Wed Nov 08, 2017 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Re: Best option for large foreign currency transfer

Thanks so much for the insight from this community and helpful perspective. I'm actually quite glad that I had the opportunity to meet with the representatives and, having done so, my gut feeling combined with the cautions of Bogleheads tells me not to establish an account. I felt that the two repre...
by csm
Tue Nov 07, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Re: Best option for large foreign currency transfer

Thanks! Appreciate the insight.
by csm
Tue Nov 07, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Re: Best option for large foreign currency transfer

Here’s what the Amfie site says: “AMFIE now serves over 5,000 members from 85 organisations, and manages more than 280 million euros in funds.” They are tiny, 280 million? If you are really mainly concerned with moving 600K to your U.S. account, not sure why you would take a chance on them for a fe...
by csm
Mon Nov 06, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 107
Views: 13215

Re: Should I decline Grand Prize trip because of taxes on winnings?

So glad to hear - looking forward to a trip report when you get back!
by csm
Mon Nov 06, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Re: Best option for large foreign currency transfer

Thanks, everyone, for the very useful suggestions. To answer one of the comments, yes, I do have a Danish bank (Nordea) and several US banks. When I've made smaller transfers in the past, neither the exchange rate nor fees were as favorable as TransferWise. I also have an appointment this week with ...
by csm
Sun Nov 05, 2017 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Best option for large foreign currency transfer
Replies: 35
Views: 2916

Best option for large foreign currency transfer

Within the next 6 months, my husband and I will be selling our home in Denmark and repatriating to the U.S. In this respect, we will have a significant lump sum in Danish kroner after the sale that we will want to transfer to USD (likely the equivalent of ca. $600,000+). I'm familiar with TransferWi...
by csm
Fri Oct 27, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Ally 12-month CD
Replies: 5
Views: 1478

Ally 12-month CD

I did not see this posted anywhere, but just noticed that Ally currently has their 12 month high yield CDs for: 1.50% (less than $5,000) 1.55% ($5,000 minimum) 1.65% ($25,000 minimum) This seems more favorable than the current no-penalty offer, particularly if you know you'll hold it for the 12 mont...
by csm
Fri Oct 13, 2017 7:39 am
Forum: Personal Finance (Not Investing)
Topic: Made a career mistake- advice/next steps
Replies: 35
Views: 6091

Re: Made a career mistake- advice/next steps

During the interview process I was led to believe the role was much more than it has turned out to be. It was presented as a very similar role to my previous job and I was excited to continue on my career growth. I was offered more money for what I thought was a similar role so I was happy to accep...
by csm
Fri Oct 06, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 392
Views: 62179

Re: Retirement Account Stolen by Identity theft

OP, thanks so much for posting this frightening story so we are all aware of what can happen. One other step you may wish to take going forward is to set up a CreditKarma account for your father, using your own email address, and monitor it frequently. When my mother passed away a few years ago, thi...
by csm
Wed Oct 04, 2017 5:53 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 206
Views: 26085

Re: MoviePass-Too good to be true, but it's legit.

Wow - thank you for posting. This looks like a no-brainer. Not that we have been going to the cinema very often these days, but this will certainly make it worthwhile. Several of the movie complexes in our area appear to be participating. Hopefully it is possible to get tickets at the last minute as...
by csm
Sun Sep 24, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1491

Re: Should I move?

It will be good for you to visit and get a feel for the area. The "suburbs of Orlando" cover a lot of area, so it will be good for you to visit and speak with your potential boss and get an idea of where the clients would be. Those you mentioned (Winter Springs, Lake Mary, Oviedo) would be on the no...
by csm
Sun Sep 24, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: 28 Year Old having a Crisis, how am I doing?
Replies: 27
Views: 5037

Re: 28 Year Old having a Crisis, how am I doing?

I have experience in the industry for the past 4 years but I’m unsure of having a love for it, my original path of working in hospitality got derailed when I suffered a few sports injuries and I resorted to the first financial job I could find. Could you elaborate on this statement? Is it your desi...
by csm
Sun Sep 24, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1491

Re: Should I move?

A few more thoughts after re-reading your original post: You say that your current condo is valued at $125,000. Do you have a mortgage, or is that free and clear? You will unlikely find a condo in a safe area of Orlando for that price. Again, it will be important to know where your work is to determ...
by csm
Sun Sep 24, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Should I move?
Replies: 16
Views: 1491

Re: Should I move?

Have you spent much time in Orlando? My husband and I have owned a second home in the Orlando area for 13 years. We have spent between 6 weeks and 3 months per year there every year during this time. The area is insanely crowded, traffic is horrible, most jobs are low-wage and in the tourist industr...
by csm
Tue Sep 19, 2017 1:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 11134

Re: Bogleheads you would most like to meet and why?

Taylor Larimore - really enjoy and appreciate the wisdom of his posts, but more than that, he sounds like an incredibly interesting person and one who is genuinely nice, he seems to live life to the fullest, and comes across as truly respectful of others Many others as well, including livesoft but ...
by csm
Mon Sep 18, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 2073

Re: Audio books

i hate audio books 'cause usually the voice of the reader is terrible I have rarely listened to a narrator that was awful. On Audible / Amazon you can hear an excerpt of the audiobook to determine whether the voice appeals to you. I have listened to audiobooks where I felt the narrator has actually...
by csm
Sat Sep 16, 2017 6:56 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 2073

Re: Audio books

I agree with several of the above comments re: Audible. A few additional details to keep in mind: You can pay the $14.95 per month but the maximum number of credits you can hold/rollover at one time is 6, so be sure not to lose any. You can also put your account "on hold" for up to 3 months once per...
by csm
Tue Aug 22, 2017 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Overextended in Bay Area housing?
Replies: 37
Views: 4412

Re: Overextended in Bay Area housing?

We pay everything with credit card when we can. Is a monthly expense of $3000 not typical? Mortgage, insurance, property tax are about 3800 per month. 3,000 for monthly expenses. 1,000 for childcare. 1,000 for student loans. Take home after taxes is 11,700. So 11,700-8,800 is 2,900 left over each m...
by csm
Sat Aug 19, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 18109

Re: Capital One $400 bonus for new checking account

I missed the $400 offer, but opened a Capital One 360 checking account in July based on the $300 offer. I have so far made ACH transfers for between $255 and $455 each of 2 x Paypal, 1 x BoA Checking, and 2 x Vanguard. Still no bonus. Following this thread, I was certain that the second Vanguard tra...