Search found 37 matches

by Osprey
Sun Oct 28, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Is Geico Good for Auto/Renter/Umbrella Insurance?
Replies: 15
Views: 1498

Re: Is Geico Good for Auto/Renter/Umbrella Insurance?

Another data point for you: We have geico and are satisfied customers. 2 years ago we had an accident with one car and this year someone rear ended us on highway and our car was totaled (2015 outback), luckily no one was hurt. In totally the car this year the value was fair and included adding on am...
by Osprey
Sat Oct 13, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on a large Roth conversion if we have a 30-40% correction.
Replies: 22
Views: 2415

Re: Opinions on a large Roth conversion if we have a 30-40% correction.

Thanks for your explanation. For my situation, the difference is that I would be using taxable cash to pay taxes so waiting for correction to do large conversion would decrease my tax bill.
by Osprey
Sat Oct 13, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on a large Roth conversion if we have a 30-40% correction.
Replies: 22
Views: 2415

Re: Opinions on a large Roth conversion if we have a 30-40% correction.

I’ve been thinking about this scenario as well. I have pension income and will be in 24% bracket now and in the future. If market drops substantially it would appear to me to be an opportune time to convert up to 24% tax bracket limit. Benefit is paying at 24% level for some ira funds (avoid risk th...
by Osprey
Sun Oct 07, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2475

Re: Help with choices for new car

[I couldn't find an example youtube showing the change, but on the 2018 the indicators on the side mirrors are so in your face that I cannot imagine they would be easier to see, plus there is beeping for which you can change the volume so that it is not annoying. Can you describe the 2019 improveme...
by Osprey
Sun Oct 07, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 28
Views: 2475

Re: Help with choices for new car

Subaru Outback 2019 is similar to 2018 but blind spot detection system is much improved as 2019 model indicator is much easier to see.
by Osprey
Sun Sep 23, 2018 11:36 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 11877

Re: Did you really have something to retire to?

I am retiring this winter and for the past 4 years I have been creating a list of my interests including things I currently do and want to do more of (hiking, birding, kayaking, bicycling, reading/bookclub, travel), new activities to explore (volunteering, pickleball, bridge, yoga class), and activi...
by Osprey
Sun Aug 05, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 7034

Re: Unexpected early retirement - requesting advice

Sounds like an excellent action plan! Another thing to consider is that if your medical condition is long term or permanent and limits significant life activities, you may be considered disabled and entitled to a “reasonable accommodation”to help you perform your job. Suggest you get info from your ...
by Osprey
Sun Aug 05, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Skin in the game"
Replies: 105
Views: 7551

Re: "Skin in the game"

I agree that it depends on the individual. [/And internships (hopefully paid) should start early so kids get a feel for what jobs in their field of study are like.quote] Not “having skin in the game” enabled one of my kids to spend summers after sophomore and junior years in wonderful low paying sum...
by Osprey
Sun Aug 05, 2018 4:07 am
Forum: Personal Finance (Not Investing)
Topic: Effect of Current Income on Decision to Retire Early
Replies: 76
Views: 6386

Re: Effect of Current Income on Decision to Retire Early

Great topic! I have considered this factor in my decision making. Each year I continue to work would result in another less than 2% increase to my portfolio, I’ve met my number and our anticipated expenses are covered by pension income plus a less than 1% withdrawal rate. Since I easily can withdraw...
by Osprey
Sun Aug 05, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Will you pay for your kids' college/graduate education?
Replies: 366
Views: 16242

Re: Will you pay for your kids' college/graduate education?

We paid for our kids’ college education. One went to a small private college which we felt was a better fit than the public options. The second one went to a top OOS public university. Both were given our older cars upon graduating. They both graduated and are both thriving. Having enabled them to f...
by Osprey
Thu Aug 02, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 7034

Re: Unexpected early retirement - requesting advice

Very sorry to hear about your medical condition. Have u considered requesting to go on up to 12 weeks of FMLA unpaid or sick leave to focus on your medical issues and then see if you are well enough to return to work?
by Osprey
Tue Jul 31, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2828

Re: Use attorney or software for simple will

Thanks for all the replies, you have given me some things to think about such as whether we want to leave our kids money outright or in a trust. Up until now, we have been using wills from quicken software program and the bulk of our assets are in retirement accounts for which the kids are named as ...
by Osprey
Mon Jul 30, 2018 12:04 am
Forum: Personal Finance (Not Investing)
Topic: Use attorney or software for simple will
Replies: 35
Views: 2828

Use attorney or software for simple will

My husband and I have 2 kids who are responsible adults. We own a modest house and have less than $3m in investments. What are the benefits to having an attorney draw up a will instead of using software such as quicken will program?
by Osprey
Sun Jul 22, 2018 5:46 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2019!
Replies: 134
Views: 16815

Re: Roll Call for the Retirement Class of 2019!

January 2019 is it for me! Do feel like a kid waiting for summer vacation.
by Osprey
Sun Jul 08, 2018 5:40 am
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1723

Re: Ireland trip

We just came back from a 2 week trip to Ireland and used Rick Steves book to plan it. We booked hotels/b&bs before we left. Some highlights from our trip included driving from Dublin through the Wicklow mountains to see Glendalough. Kilkenny was lovely for a night. We really enjoyed Dingle and the c...
by Osprey
Mon Apr 23, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Lawyers: Career Advice (Urban to Rural?)
Replies: 21
Views: 2345

Re: Lawyers: Career Advice (Urban to Rural?)

Have you considered continuing as federal attorney but outside DC? I was in private practice in DC and then took an attorney position in New England. I live in a small town and have a sophisticated legal practice with a wonderful work life balance.
by Osprey
Fri Feb 02, 2018 1:37 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6743

Re: New Subaru Outback vs. used Volvo XC-70

In the past I've owned a Volvo XC and currently have a 2015 Outback. While I am happy with the Outback, The stuff I miss most about the Volvo are: more comfortable front seats, quieter in cabin less road noise, and most important to me of all, the turbo power to accelerate quickly when getting onto ...
by Osprey
Sun Jan 21, 2018 1:49 am
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3779

Re: Rent (free at library) or buy books?

I buy books I want to keep and borrow books from library.
I also buy some books that I want to read at the beach.
by Osprey
Sun Jan 21, 2018 1:45 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 9344

Re: Lost money through Bitconnect scam - learned my lesson

Thanks for sharing your painful lesson. Sorry you had to experience it.
by Osprey
Sun Jan 21, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Lower tax rates for 7 yrs.-Are you switching to Roth 401K
Replies: 65
Views: 6875

Re: Lower tax rates for 7 yrs.-Are you switching to Roth 401K

I am switching to Roth 401k this year as we have moved from 32% to 24% marginal rate and most of our current retirement savings is pretax. We will have pension income in retirement and thus don't foresee being in a lower bracket then and if one of us dies, the single bracket will be worse. So hedgin...
by Osprey
Tue Jan 09, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: is the cost for using a relocation service to find an apartment worth it?
Replies: 8
Views: 731

Re: is the cost for using a relocation service to find an apartment worth it?

Thanks for all the responses. My son went to look on his own one day before scheduled appointment to look with the service and he found a place so he cancelled the appointment.
by Osprey
Sun Jan 07, 2018 10:29 pm
Forum: Personal Consumer Issues
Topic: is the cost for using a relocation service to find an apartment worth it?
Replies: 8
Views: 731

is the cost for using a relocation service to find an apartment worth it?

My child has accepted a job in another city that comes with relocation benefits including a relocation company to coordinate his move. He has the option to have the company help him find an apartment and if he goes that route he would have to pay a fee equal to one month's rent. What are the benefit...
by Osprey
Mon Dec 25, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 9249

Re: Year end review with less nerdy spouse

It's funny, because I just don't understand that mindset! We've been married 16 years and he has never really taken an interest. I've even had to set up his 401k stuff. It's nice to know he trusts me so thoroughly though. Lol, we live in parallel universes, for years I was the only one with access ...
by Osprey
Mon Dec 25, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: 1st, your education. Then...Location, Location, Location
Replies: 66
Views: 9375

Re: 1st, your education. Then...Location, Location, Location

But I think you do have a point about being in a major city. Just today (Sunday 12/24/17) there was a good article in the NYT Business Section about how the major cities in the US are linked up with cities all over the world leaving flyover America in a permanent economic ditch. Here: (I hope it's ...
by Osprey
Fri Dec 15, 2017 3:23 am
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 72
Views: 9249

Re: Year end review with less nerdy spouse

DH isn't the least bit interested. Occasionally I'll show him our net worth total, but that's about it. He isn't interested in a budget or yearly goals. He is pretty frugal in general and I try to automate as much as possible to make things easy. Just like my house. I have all the responsibility. W...
by Osprey
Fri Dec 15, 2017 3:13 am
Forum: Personal Finance (Not Investing)
Topic: 2018 financial goals - what are yours?
Replies: 92
Views: 13128

Re: 2018 financial goals - what are yours?

Thanks for posting to inspire me to think some more about next year which is rapidly approaching! Start wind down to retirement in 2018 with husband retiring in the spring. Max my 401k Max Roth Continue to monitor spending to see if it remains in line with past 2 years Special trip to celebrate husb...
by Osprey
Sat Nov 18, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4852

Re: TSP Modernization Act Signed Into Law

the agency that administers the TSP, said it plans to finish writing the requirements for new withdrawal guidelines by the beginning of February. The agency began working on the withdrawal project in September, in anticipation of the bill soon becoming law. The FRTIB will first focus its attention o...
by Osprey
Sat Nov 18, 2017 12:37 am
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 22
Views: 4852

Re: TSP Modernization Act Signed Into Law

Thanks for posting, great news.

I believe the law requires regulations be promulgated within 2 years to implement it. Hopefully it will occur sooner!
by Osprey
Sun Oct 22, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5849

Re: What service do you pay for that you could easily do yourself?

Have someone cut the lawn and plow driveway in winter. Have a wonderful local store that sells prepared foods and each weekend we pick up 2 meals for 2 week nights.
by Osprey
Sun Oct 22, 2017 5:00 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 18630

Re: Why do you LBYM? Why do you save and invest?

Great question! My choice to save was not based on family influence or fear, but on examples of others early in my career. My father was a self made man, we lived comfortably. Money was never discussed as far as spending or saving goes, but he enjoyed investing in the stock market and on occasion wo...
by Osprey
Sun Sep 17, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Considering rolling over Vanguard funds to TSP
Replies: 13
Views: 1716

Re: Considering rolling over Vanguard funds to TSP

My husband rolled a traditional ira into the TSP so that he could do back door roth conversions without taxable event. We are about to retire so it worked out well for us. My one concern today with rolling into TSP as a young fed would be that one of the benefits is the G find and if that choice was...
by Osprey
Sun Jul 09, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2996

Re: A question about GENTLE excercise.............

I am a fan of the Classical Stretch DVDs. I bought season 11 from Amazon and love that each episode is 23 minutes, works all muscles, and is stretching, not aerobic, so nice way to start my day.
by Osprey
Wed Jun 21, 2017 10:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 107
Views: 21194

Re: Online group meetings via web conference? [Virtual online chapter]

Just discovered this and seems I missed the first meeting. Would love to join.
Are there any resources that could be shared from tonight's meeting? Thanks for the great idea!
Please let me know when the next meeting is.
by Osprey
Sun Jun 04, 2017 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Update to Bogelheads guide to retirement planning
Replies: 0
Views: 860

Update to Bogelheads guide to retirement planning

Just read the book and thought it was excellent but a little dated. It was published in 2009 and some of the rules/strategies have changed since then such as recent changes to social security and back door Roth IRA strategy not being covered. Is there any plan to update the book? I would love an upd...
by Osprey
Sun May 28, 2017 5:03 am
Forum: Local Chapters and Bogleheads Community
Topic: [Virtual online chapter - Master thread]
Replies: 107
Views: 21194

Re: Online group meetings via web conference? [Virtual online chapter]

I am interested in a virtual group, great idea for those of us not near local chapters!
by Osprey
Sat May 27, 2017 3:15 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 10392

Re: Meeting with retirement guru, specializes in federal govt employees

I too am a fed close to retirement and one of my questions for a planner pertains to the time when Medicare kicks in. Keeping my federal health insurance, I wonder about whether to get Medicare part B. I am outside the DC area and would like to know the name of the consultant. I enjoy reading Tammy ...