Search found 64 matches

by GiannaLuna
Sun Nov 17, 2019 5:11 am
Forum: Personal Finance (Not Investing)
Topic: The difficulty of discarding frugality?
Replies: 105
Views: 8292

Re: The difficulty of discarding frugality?

capran raises a point not often discussed and it hits home with me because I have a friend who "suffers" with this. He is a self made multi-millionaire in his late 50s. Got there from earnings, DEPRIVATION and market cooperation. For 30 years, he saved a few dollars each month by allowing the local ...
by GiannaLuna
Sun Nov 17, 2019 5:05 am
Forum: Personal Finance (Not Investing)
Topic: Adjusting withholdings via the employer - (retirement year?)
Replies: 0
Views: 59

Adjusting withholdings via the employer - (retirement year?)

As I am planning to retire in the 1st quarter of 2020, so my annual income for 2020 will decrease sharply. I will be adding as much as I can in those first few months to my 401K and flex spending accounts. I'd like to have access to more cash, if possible - any reasons for NOT adjusting my withholdi...
by GiannaLuna
Fri Nov 15, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP to regular HP then return to HDHP?
Replies: 2
Views: 319

HDHP to regular HP then return to HDHP?

I am currently using a HDHP for 2019. I am considering switching to a regular health care insurance plan for 2020 and then return to a HDHP for 2021.

Am I missing something? Is there any reason this might not be allowed?

Thank you.
by GiannaLuna
Wed Nov 13, 2019 5:10 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1738

Re: Months Leading up to Retirement

Thank you for sharing your experiences... My situation feels so different from the norm, it appears. 10 years straight, full time, one job, no breaks, no variances, worked at the same place, same position. Not much leave accumulation, I tend to use it up - either annual or sick leave - won't factor ...
by GiannaLuna
Tue Nov 12, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Purchasing a used iPhone from Consumer Cellular?
Replies: 3
Views: 249

Purchasing a used iPhone from Consumer Cellular?

Does anyone here have any experience with purchasing a used iPhone from Consumer Cellular? In addition to the website, a rep confirms that batteries are not serviced on the used iPhones they sell on their site...so remaining battery life will vary from unit to unit. Any problems with phones purchase...
by GiannaLuna
Tue Nov 12, 2019 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1738

Re: Months Leading up to Retirement

I have an appointment with our HR/retirement rep to get an explanation of the process.

I am wondering if I should expect it to be unnecessarily complicated, given that most every other process in the agency falls into the category.
by GiannaLuna
Tue Nov 12, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1738

Re: Months Leading up to Retirement

That is the plan, but I am keeping a couple of different options on the table. Thank you.
by GiannaLuna
Tue Nov 12, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1738

Re: Months Leading up to Retirement

Why would you need final medical and dental checkups?...

Maybe so (s)he might get any necessary work done while still under the employer's medical and dental insurance?


Yes, for this.
by GiannaLuna
Tue Nov 12, 2019 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Months Leading up to Retirement
Replies: 19
Views: 1738

Months Leading up to Retirement

I am a federal employee planning to retire in 2020.

In the months leading up to retirement, what specific actions did you take?

Other than final medical and dental checkups?

Shifting of charitable contributions? 2018 tax changes appear to make this less compelling.

Thank you.
by GiannaLuna
Sun Nov 10, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Kindle/Paperwhite -E Reader
Replies: 20
Views: 1478

Kindle/Paperwhite -E Reader

My mom says she'd like to try using one of these and I'd like to buy it for her. Past experience has shown she often tries electronic devices, then quickly tires of them lol. Therefore, is there a market for used Kindle Paperwhites? where would be a good, reliable place to seek a used one I could ge...
by GiannaLuna
Sun Nov 10, 2019 7:57 am
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 368

Re: Adding Second Phone to Cellular Plan, ??

I have been thinking the same, but unsure where to buy a reliable used iPhone.? and how old? a 6 maybe?

I am thinking about a year from now to just go ahead with a brand new iPhone - I just need to get by for a year.
by GiannaLuna
Sun Nov 10, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Adding Second Phone to Cellular Plan, ??
Replies: 5
Views: 368

Adding Second Phone to Cellular Plan, ??

I currently use Consumer Cellular with an iPhone. I'd like to add a second line to this account, with a backup phone (need a backup phone for various reasons). The backup phone would only be used for urgent situations. This is not a long term solution, only for a year, probably. Please recommend an ...
by GiannaLuna
Sun Nov 10, 2019 6:28 am
Forum: Personal Consumer Issues
Topic: "Beer Money" Methods
Replies: 54
Views: 6747

Re: "Beer Money" Methods

tradeline sales low balance forgiveness on credit cards gas points and use of circular gift cards free points programs everywhere. Airline, gas, restaurants, hotels. apps Paying attention to credit card offers. We've been getting 10% back from our sears citi card. [/i] Do you mind expanding on some...
by GiannaLuna
Mon Nov 04, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2668

Re: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

For Whites, I prefer Rieslings, sometimes Pinot Grigios

For Reds, I reach for Pinot Noir


Sometimes various Rose wines as well.

Thank you
by GiannaLuna
Sun Nov 03, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Portable Lantern
Replies: 16
Views: 1026

Portable Lantern

I have never camped, so I don't know much about these....but I do have some work to do clearing out the attic of a deceased relative and I need light to do it in - there is no longer electricity to the home and I should only be there a couple of days. I need a lantern/lamp that's portable and runs o...
by GiannaLuna
Sun Nov 03, 2019 6:16 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1223

Re: Minimizing recurring expenses while travelling

The use of the second bedroom for storage sounds like a possibility in my situation.

Presumably, rentals of a unit would not typically handled by an apartment complex, so this is sounding more like a vacation condo community? a complex in an area where rentals are common.

Thoughts?
by GiannaLuna
Sat Nov 02, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?
Replies: 29
Views: 2668

Do Semi-Dry, Delicious, Complex But < $15 Wines Exist?

If so, please suggest some? I really enjoy semi-dry, deliciously complex wines, finding one that sell less than $15/bottle is the challenge.

A glass of such wines seems to be had not expensively in many parts of Europe. Here? no or maybe I have been looking for love in all the wrong places.

Thanks!
by GiannaLuna
Sat Nov 02, 2019 8:53 am
Forum: Personal Consumer Issues
Topic: Minimizing recurring expenses while travelling
Replies: 12
Views: 1223

Minimizing recurring expenses while travelling

I'm retiring soon and hoping to embark on a new lifestyle involving lots of travel, both domestic and outside the US. Originally, I thought I'd be a continuous traveler, but now I am concerned about getting burned out from it, further there are other issues involved, so I am back to considering a ho...
by GiannaLuna
Fri Nov 01, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Slippery Soles
Replies: 2
Views: 330

Slippery Soles

I recently purchased a pair of shoes online that fit great and are very comfortable, which is rare for me. I want to keep them and possibly even buy another pair, but I am concerned that the soles could be slippery on certain surfaces. Any easy fixes to rough them up? sand them? very fine grit spray...
by GiannaLuna
Thu Oct 31, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1082
Views: 120742

Re: What frugal thing did you do today?

I am a freelance restaurant reviewer in the restaurant industry. I don't get paid, but my meals are reimbursed in exchange for a short review.

Today I treated a friend to delicious seafood meal at no cost (except for a bit of my time) for both of us.
by GiannaLuna
Tue Oct 22, 2019 9:25 pm
Forum: Personal Investments
Topic: Changing Asset Allocation for the Decumulation Years?
Replies: 7
Views: 764

Re: Changing Asset Allocation for the Decumulation Years?

I didn't see if the $1.8M is in a tax-deferred or taxable account? It's comprised of a whole mix of funds in various accounts, probably 65% of that amount is in tax deferred accounts. I do need to develop a tax efficient withdrawal strategy. Have you reviewed your SS claiming strategy? Not yet, I n...
by GiannaLuna
Tue Oct 22, 2019 7:26 pm
Forum: Personal Investments
Topic: Changing Asset Allocation for the Decumulation Years?
Replies: 7
Views: 764

Changing Asset Allocation for the Decumulation Years?

I am retiring soon, at the end of 2019, at age 59. Divorced, one adult child, living mostly independently. Retirement assets consist of a mix of broad based stock and bond funds worth approximately $1.8M Additionally, a pension of $1K/mo and Social Security at earliest age of 62 will be worth $2K/mo...
by GiannaLuna
Tue Oct 15, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs. Income/Tax Issues Only
Replies: 1
Views: 161

Lump Sum vs. Income/Tax Issues Only

Setting aside the issue of valuations for a moment, I am looking at the tax implications. Am I missing anything in my analysis below? Lump Sum (pension): Can rollover to Traditional IRA, avoid immediate taxation, later to convert to Roth for lower tax burden after retirement. Monthly Pension Income:...
by GiannaLuna
Tue Oct 15, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer/Pension Buy Out (not from GE)
Replies: 6
Views: 959

Re: Lump Sum Offer/Pension Buy Out (not from GE)

The portfolio point is that taking the annuity is risk-reducing. You have significantly reduced your risk of running out of money before you die. I'd like to follow up on this to make sure I understand your point. Is the point that the pension is not a major percentage of my overall portfolio? Than...
by GiannaLuna
Mon Oct 14, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum Offer/Pension Buy Out (not from GE)
Replies: 6
Views: 959

Lump Sum Offer/Pension Buy Out (not from GE)

A former employer has sent me a lump sum offer to buy out my pension. Below are the facts, please let me know if there are other variables I should consider or questions I need to ask myself. Thank you in advance to the BH community. Facts: Age 59, single female Life expectation - close family membe...
by GiannaLuna
Sun Oct 13, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Portable Music for Exercise
Replies: 13
Views: 1100

Portable Music for Exercise

it's been forever since Apple sold those little iPods that clipped to your shirt, but they were great....no wires, no weight to carry, no slipping, etc. What would be the current technology? I plan to do some long distance hiking and would appreciate bringing music with me..prefer anything that is n...
by GiannaLuna
Sat Oct 12, 2019 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions/Deductible/Not Deductible
Replies: 7
Views: 568

Re: HSA Contributions/Deductible/Not Deductible

Well, it looks like his employer sent $300 a month directly to his HSA bank account, taking this from his pay, so these are his contributions, not contributions made on his behalf by the employer.
by GiannaLuna
Sat Oct 12, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: IRS website issues
Replies: 1
Views: 216

IRS website issues

Since it has been awhile since I accessed my IRS account, a password change was in order today. I have tried several times to re-set my password today. I get all the way through the process - confirmation of matching new passwords that meet the naming convention criteria, then entering the new passw...
by GiannaLuna
Sat Oct 12, 2019 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Contributions/Deductible/Not Deductible
Replies: 7
Views: 568

HSA Contributions/Deductible/Not Deductible

I've been helping my brother straighten out his finances. Today, at his request, I looked through his 2018 tax return and noticed he took a deduction for his 2018 HSA contributions. He is off now tracking down a copy of a pay stub..(amazing how these things are no longer easily available, particular...
by GiannaLuna
Wed Oct 09, 2019 8:01 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4882

Re: Help Me Decide on a New Vehicle?

<<Now maybe people will stop their posts and let you do whatever you so desire.>> I've received several excellent suggestions thus far of vehicles I had not previously considered. People are free to ignore the original post, offer up suggestions or whatever...lol. Bogleheads is known for overthinkin...
by GiannaLuna
Wed Oct 09, 2019 6:44 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4882

Re: Help Me Decide on a New Vehicle?

I wonder if my comment about skis, as an example of something I'd like to be able to fit in the car, has been overextended. I will be living in ski country in an area with sometimes challenging terrain, nevertheless, there are more reasons than skis for wanting a larger vehicle. The frugality forums...
by GiannaLuna
Tue Oct 08, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 21
Views: 2466

Re: Permanent Address for banking

Maybe they can refer to their RV as a residence, but I am referring to the increasingly popular crop of nomads who travel from location to location by car, staying in AirBnB or similar accomodations.
by GiannaLuna
Mon Oct 07, 2019 6:29 pm
Forum: Personal Consumer Issues
Topic: Help Me Decide on a New Vehicle?
Replies: 63
Views: 4882

Help Me Decide on a New Vehicle?

I'm currently driving a 2013 Toyota RAV4 and it's still in great shape with low mileage. I've considered it my grocery-getter and weekend vehicle, but my lifestyle is about to change. I'll be retiring, so no more commuting (even though my commute is very short) and a lot more road trips...some invol...
by GiannaLuna
Mon Oct 07, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Illness "loophole" for Travel Cancellation Insurance
Replies: 10
Views: 1180

Illness "loophole" for Travel Cancellation Insurance

My brother recently planned to take his adult son on an expensive vacation. Since it was pre-paid, he decided to purchase trip cancellation insurance. Subsequently, my nephew was hospitalized due to mental illness. The claim was denied by Allianz since apparently mental illness is excluded while phy...
by GiannaLuna
Mon Oct 07, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 21
Views: 2466

Re: Permanent Address for banking

An even bigger issue I would think for digital nomads travelling by vehicle, is what address to use as a garage address for vehicle insurance.
by GiannaLuna
Wed Sep 25, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Leaving NYC for retirement, Hudson Valley or PA. etc?
Replies: 21
Views: 2541

Leaving NYC for retirement, Hudson Valley or PA. etc?

My brother is about to retire. He's been living and working in Brooklyn for a number of years. He still wants to be within a reasonable distance of the city so he can return for events and to see friends. He is looking at the upper Hudson Valley of NY state for cheaper housing costs due to lower num...
by GiannaLuna
Sun Sep 22, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Retirement date of 12/31/2019 vs. 2/28/2020
Replies: 18
Views: 1374

Re: Retirement date of 12/31/2019 vs. 2/28/2020

How much leave will you have when you retire? I am projecting approximately 75-100 hours will be remaining of Annual Leave -not much, basically. Sick Leave? maybe 200 hours Do you make more than the Social Security cap? If you are referring to $136,800 - My annual compensation is just over that amo...
by GiannaLuna
Sun Sep 22, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Retirement date of 12/31/2019 vs. 2/28/2020
Replies: 18
Views: 1374

Retirement date of 12/31/2019 vs. 2/28/2020

I'm a federal govt. employee now eligible to retire under MRA + 10 (I understand the deduction for not waiting until age 62) and trying to make a decision about retirement - either at the end of this year, or the beginning of 2020, maybe no later than March 1. Although it's only a couple of months l...
by GiannaLuna
Fri Sep 13, 2019 5:48 am
Forum: Personal Consumer Issues
Topic: Selling concert tickets on StubHub (or other platforms)?
Replies: 4
Views: 413

Selling concert tickets on StubHub (or other platforms)?

I have listed 2 tickets for a show one week from now, that I will not be able to attend. It has been a sold out show.

I am selling at my cost. How long do you typically wait until you lower the price? a couple days before the show?

Thanks
by GiannaLuna
Fri Sep 13, 2019 5:20 am
Forum: Personal Consumer Issues
Topic: Atlanta area - relocation, questions
Replies: 7
Views: 653

Atlanta area - relocation, questions

I am a retiring fed govt employee, gleefully exiting the DC area. It appears I may now need to stay close to the Atlanta area (specifically west and northern area) in order to assist with providing care for a convalescing family member over the next several months to possibly a year. Please suggest ...
by GiannaLuna
Sun Aug 25, 2019 8:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2128953

Re: U.S. stocks in free fall

Absent a black swan unrevealed, the market is long, the massive pension funds are long....only so long they will go along with a downturn until they call the game.
by GiannaLuna
Sun Aug 25, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement EOY 2019/1st Quarter 2020?
Replies: 9
Views: 761

Re: Retirement EOY 2019/1st Quarter 2020?

oh ok, yes, thank you for that clarification....so will work long enough to fully fund the 401k (TSP), the IRA - 6,500 +/- and HSA.....I need to look up the maximums for these in 2020 to make sure I work just long enough and not longer. Thanks
by GiannaLuna
Sun Aug 25, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: preparing for recession/stockpiling
Replies: 55
Views: 4853

Re: preparing for recession/stockpiling

I missed the memo about the world coming to an end, so I'll continue do the same as I've always done which has historically proved to be accurate...as opposed to....lol
by GiannaLuna
Sun Aug 25, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement EOY 2019/1st Quarter 2020?
Replies: 9
Views: 761

Re: Retirement EOY 2019/1st Quarter 2020?

I'm hoping the information about retirement timing (2019 vs. 2020) won't get lost in a discussion about withdrawals since they are two different topics. So, basically, back to the the original question for now: Retiring in early 2020 vs. end of 2019 will allow me to contribute more to my TSP and pos...
by GiannaLuna
Sun Aug 25, 2019 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement EOY 2019/1st Quarter 2020?
Replies: 9
Views: 761

Retiring Soon, seeking withdrawal advice

[Post merged into here, see below. --admin LadyGeek] I am retiring in a few months and for the first time, will begin to spend from assets. My pensions will cover about 50% of expenses until I reach Soc Sec age,(2.5 years to go) at which point my expenses will be fully covered. Until then, I can dr...
by GiannaLuna
Sun Aug 25, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement EOY 2019/1st Quarter 2020?
Replies: 9
Views: 761

Retirement EOY 2019/1st Quarter 2020?

I'm a fed now finally eligible to retire with a combination of age and service, albeit with a reduced pension (less than 62 years of age). I've only been with them 10 years, so I won't have one of those large pensions, just a decent pension that dovetails with savings (taxable and deferred), another...
by GiannaLuna
Sun Aug 11, 2019 3:33 pm
Forum: Personal Consumer Issues
Topic: Florida Panhandle recommendations
Replies: 17
Views: 1993

Re: Florida Panhandle recommendations

Of all the beach choices, which seem to attract the biggest numbers of spring breakers versus snowbirds? thanks
by GiannaLuna
Sun Aug 11, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10300

Re: Breakfast Menu After Retirement

Wow, Bogleheads are living on the breakfast edge LOL

Me? A coffee and some mineral water

Sometimes brunch with the usual suspects
by GiannaLuna
Sun Aug 11, 2019 8:08 am
Forum: Personal Consumer Issues
Topic: Florida Panhandle recommendations
Replies: 17
Views: 1993

Re: Florida Panhandle recommendations

The snowbirds are primarily from the Midwest and Canada.

As a native NYer, that's music to my ears.

(joking people, native to upstate New York lol)
by GiannaLuna
Sun Aug 11, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 35617

Re: "The best and worst U.S. states for retirement"

That's a pretty simplistic view, that seems to assume the majority of retirement income is sourced from investments. While that may be true for some, I assume many BHs are like us, and a significant amount of their total annual income is taxable. Our pensions are taxable, and there's no way we can ...