Search found 34 matches

by bluesky50
Tue Feb 09, 2021 9:30 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 192
Views: 15593

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

Sick as in cool,very impressive. Drop down bed, lives like a 40' RV, All Wheel Drive, separate living room with dinette to function as office, glass in just the right places, etc. Wow, I did not know there are small motor home boglehead fans here. Even LTV fans! We just got a new 2021 LTV Wonder AW...
by bluesky50
Tue Feb 09, 2021 12:04 am
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 192
Views: 15593

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

WhyNotUs wrote: Mon Feb 08, 2021 9:49 am
bluesky50 wrote: Sun Feb 07, 2021 8:07 pm Wow, I did not know there are small motor home boglehead fans here. Even LTV fans!

We just got a new 2021 LTV Wonder AWD. I am very sure we will enjoy it greatly.
That is a sick van
How so?
by bluesky50
Sun Feb 07, 2021 8:07 pm
Forum: Personal Consumer Issues
Topic: Thought about buying a small motor home, but the market is crazy; Just bought one!!
Replies: 192
Views: 15593

Re: Thought about buying a small motor home, but the market is crazy; Just bought one!!

Wow, I did not know there are small motor home boglehead fans here. Even LTV fans!

We just got a new 2021 LTV Wonder AWD. I am very sure we will enjoy it greatly.
by bluesky50
Mon Jan 25, 2021 10:58 pm
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 223
Views: 13433

Re: Any boring investors left?

Chicken Little wrote: Sun Jan 24, 2021 9:37 am
livesoft wrote: Sun Jan 24, 2021 9:36 am I check all 10 boxes.
I knew I was in good company!
Me too!

The only open issue is our AA is off 5% from our target 60:40. Have not decided when I should rebalance or whether I should rebalance at all.
by bluesky50
Sun Dec 20, 2020 8:37 pm
Forum: Personal Investments
Topic: Anyone retire pre 55 without any pensions?
Replies: 101
Views: 13907

Re: Anyone retire pre 55 without any pensions?

I don't have much to contribute except that I really appreciate this thread as we are planning to retire mid next year when I am 55 without any pensions or employer healthcare guaranty except SS and medicare when it due.
by bluesky50
Fri Dec 18, 2020 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with "extra" $50/ month?
Replies: 30
Views: 2499

Re: What to do with "extra" $50/ month?

You may want to make sure you do not over spend of your $50 :D Since this is the interest it is taxed at the marginal tax which could take away a significant portion of your $50.
by bluesky50
Sun Dec 13, 2020 3:23 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16541

Re: Best < $100 purchase?

Electric kettle bought from Costco. I bought it early this spring when I started working from home. I have been using it every day all day long when I am home. I don't know why I did not buy it earlier.
by bluesky50
Fri Dec 11, 2020 1:29 pm
Forum: Personal Consumer Issues
Topic: Standing desk ....
Replies: 34
Views: 2123

Re: Standing desk ....

stan1 wrote: Fri Dec 11, 2020 11:34 am Uplift with the extra horizontal brace and C-shaped legs (unless I was on a tight budget).
I believe that is Uplift Commercial version. That is the one I have. One additional benefit of that horizontal bar that I found after I bought is I can use it as leg rest from time to time while sitting.
by bluesky50
Thu Dec 10, 2020 11:18 pm
Forum: Personal Consumer Issues
Topic: Standing desk ....
Replies: 34
Views: 2123

Re: Standing desk ....

I have uplift standing desk. I highly recommend it.
by bluesky50
Sat Dec 05, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: Restaurant take out during the pandemic?
Replies: 93
Views: 7394

Re: Restaurant take out during the pandemic?

Interesting thread.

We are over 60's and mid 50's. Since pandemic we have not been anywhere near restaurants and don't feel comfortable to do any take out either.
by bluesky50
Sun Nov 29, 2020 1:43 am
Forum: Personal Consumer Issues
Topic: Any bogleheadish black friday deals to look out for?
Replies: 89
Views: 14080

Re: Any bogleheadish black friday deals to look out for?

Thermapen MK4 is on sale now.
https://www.thermoworks.com/Thermapen-M ... =1&color=6

Dang it! I just bought it last week and paid full price. I should have waited for black friday sale. Oh, well!
by bluesky50
Mon Nov 23, 2020 10:39 pm
Forum: Personal Investments
Topic: When to retire - early, mid, end of year
Replies: 40
Views: 3662

Re: When to retire - early, mid, end of year

I have been thinking about this a lot as I plan to retire next year. Besides not missing out big bonuses you deserve, one good time might be when you max out 2021 work place retirement contribution $64,500 (401k + employer match + maga backdoor Roth), max out social security tax (income $142,800 +),...
by bluesky50
Sun Sep 13, 2020 7:21 pm
Forum: US Chapters
Topic: How many bogleheads do you know in real life?
Replies: 165
Views: 16936

Re: How many bogleheads do you know in real life?

I converted my husband to be a boglehead.
I set up my two kids to be bogleheads.
I tried to educate and influence my sister toward boglehead but I failed.
by bluesky50
Fri Aug 14, 2020 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Lawyers - How much does it cost to write a prenup contract?
Replies: 48
Views: 6233

Re: Lawyers - How much does it cost to write a prenup contract?

If you have legal service benefit through your company you may want to check whether the prenup service is covered.
by bluesky50
Sat Aug 01, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 674
Views: 103050

Re: Losing a job in your 50's...

I always wonder when there is age discrimination against 50's and over with the common belief that they are not up to their job challenge due to their health or not keeping up with changing technology/new ideas (or whatever you name it) why we do not see this age discrimination in our politicians wo...
by bluesky50
Tue Jul 28, 2020 12:21 am
Forum: Personal Consumer Issues
Topic: Repair Refrigerator?
Replies: 61
Views: 3780

Re: Repair Refrigerator?

We are having the refrigerator problem too! Last week one morning we found that it stopped cooling. My husband started wiggling defrost knobs and the refrigerator started running again. We have had it over 20 years without any issues until now. We immediately started ordering one online. Like others...
by bluesky50
Mon Jul 20, 2020 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Financing (taking a bank loan) for purchase of RV or, pay cash in full.
Replies: 19
Views: 1194

Re: Financing (taking a bank loan) for purchase of RV or, pay cash in full.

We ordered a high end small RV and we are waiting for the delivery. We plan to pay cash in full. I would not take a loan to buy a RV.
by bluesky50
Wed Jul 15, 2020 11:50 pm
Forum: Personal Consumer Issues
Topic: Which household items have made your life easier/more convenient/happier?
Replies: 82
Views: 6869

Re: Which household items have made your life easier/more convenient/happier?

+ UV heat-reducing film on east-facing 18x6 foot window wall. 4) UV film on west-facing windows. Now my place doesn't bake in the afternoon. I've gone from the AC barely keeping up on hot days to sometimes not even needing it. Could you please provide more information which UV films you use on your...
by bluesky50
Sun Jun 28, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: Feminine Beauty Products - best bang for your buck?
Replies: 36
Views: 3784

Re: Feminine Beauty Products - best bang for your buck?

jaqenhghar wrote: Sat Jun 13, 2020 11:12 pm Have you looked into the Asian Beauty subreddit? Nearly all of my skincare is now from recommendations from there.
I, too, have been following Asian Beauty recommended skincare most of time for several years. Really happy with the results.
by bluesky50
Wed Jun 03, 2020 10:34 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 171
Views: 18031

Re: Roll Call for the Retirement Class of 2021!

I would like to join this Retirement Class of 2021.

I plan to retire in April next year. I will be 55. My husband is already retired. He is patiently waiting for me to join him.
by bluesky50
Fri May 29, 2020 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Does FICA tax gross income?
Replies: 22
Views: 1791

Re: Does FICA tax gross income?

This confuses me as well.

Vested RSU shows up as my gross income on W-2, but I think it is not FICA-taxed.

ESPP quick sale 15%-discount portion (I forgot what this is called) also shows up as my gross income on W-2, but I think this is not FICA-taxed.

Is that right?
by bluesky50
Fri May 29, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19868

Re: Pandemic buys that have improved quality of life?

Steelcase Leap chair Sit/Standing work desk High quality leggings as work from home clothes Any brand recommendations for the second and third items ? Standing work desk: https://www.upliftdesk.com/uplift-v2-standing-desk-v2-or-v2-commercial/ Leggings: https://www.skechers.com/en-us/style/W03LG31B/...
by bluesky50
Tue May 26, 2020 10:04 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19868

Re: Pandemic buys that have improved quality of life?

Steelcase Leap chair Sit/Standing work desk High quality leggings as work from home clothes Looking for a good Sit/Stand work desk. Mind sharing your recommendation I bought UPLIFT V2 Commercial Standing Desk after a lot of research. https://www.upliftdesk.com/uplift-v2-standing-desk-v2-or-v2-comme...
by bluesky50
Sun May 24, 2020 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 407
Views: 39900

Re: The axe falls and I am prepared. What's next?

Seems like you already made up your mind. You don't need any advice. Go for it and enjoy your retirement.
by bluesky50
Sun May 24, 2020 10:23 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 185
Views: 19868

Re: Pandemic buys that have improved quality of life?

Steelcase Leap chair
Sit/Standing work desk
High quality leggings as work from home clothes
by bluesky50
Sun Dec 29, 2019 3:08 pm
Forum: Personal Investments
Topic: Back-door Roth IRA related question
Replies: 4
Views: 379

Re: Back-door Roth IRA related question

Thanks @livesoft for your quick response! I edited OP to include more information. 1. Yes if you have allowable compensation to make the non-deductible tIRA contribution or your spouse does. 2. Not enough info. It will depend on your combined income and whether spouse can use a 401(k) or 403(b) at w...
by bluesky50
Sun Dec 29, 2019 2:34 pm
Forum: Personal Investments
Topic: Back-door Roth IRA related question
Replies: 4
Views: 379

Back-door Roth IRA related question

My husband and I got married last year and thus there are a few things that we do very first time in 2020. I have earned income . My husband is retired. He does not have earned income and thus no access to 401(k) or 403(b). I have been doing back-door IRA contribution every year for many years (I le...
by bluesky50
Sun Dec 29, 2019 1:56 pm
Forum: Personal Investments
Topic: HSA catch-up contribution question
Replies: 12
Views: 803

Re: HSA catch-up contribution question

I love this forum!

Thank you all!
by bluesky50
Sat Dec 28, 2019 10:43 pm
Forum: Personal Investments
Topic: HSA catch-up contribution question
Replies: 12
Views: 803

Re: HSA catch-up contribution question

Thank you all for the help! This sounds very complicated. The next year is the first year that we are doing $1000 additional HSA for my husband. Let me summarize what I need to do. Please let me know if I understand this correctly as I want to make sure I don't mess this up. 1. I will contribute 202...
by bluesky50
Sat Dec 28, 2019 1:25 pm
Forum: Personal Investments
Topic: HSA catch-up contribution question
Replies: 12
Views: 803

HSA catch-up contribution question

I have another HSA related question. I have family HSA through my employer. My husband is over 55. He is retired and is on my HDHP health insurance. But my employer only allows me contribute $7,100 in 2020 for a family as I am under 55. Is there a way that we contribute additional $1000 catch-up for...
by bluesky50
Sat Dec 28, 2019 1:15 pm
Forum: Personal Investments
Topic: Selling Vanguard funds in HSA account
Replies: 3
Views: 317

Re: Selling Vanguard funds in HSA account

Thanks, @RickBoglehead, @cas! Everything worked out now!
by bluesky50
Mon Dec 23, 2019 12:26 pm
Forum: Personal Investments
Topic: Selling Vanguard funds in HSA account
Replies: 3
Views: 317

Selling Vanguard funds in HSA account

I have a quick question. My employer is moving HSA from HealthEquity to Fidelity starting 2020. So I need to liquidate all my Vanguard Funds that I invested in HealthEquity before 12/31/2019 in order for HSA balance being transferred to Fidelity by my employer at the beginning of January, 2020. If I...
by bluesky50
Wed Jan 10, 2018 10:43 pm
Forum: Personal Investments
Topic: Back door Roth IRA contribution question
Replies: 4
Views: 453

Re: Back door Roth IRA contribution question

Thank you! It is difficult to get the MAGI below $189k even after maxing out 401K and HSA. We do not have 457(b). We are planning to get married this year or next year. She has been doing her back door Roth IRA many years including this year, and he has been doing his regular Roth IRA many years. No...
by bluesky50
Tue Jan 09, 2018 11:40 pm
Forum: Personal Investments
Topic: Back door Roth IRA contribution question
Replies: 4
Views: 453

Back door Roth IRA contribution question

I have the following Roth IRA question that I need your experts help. Married couple, filing tax as a married couple, her income is $200K/year, tIRA balance is zero; his income is $50K/year, tIRA balance is NOT zero. Can she do back door IRA and he do regular Roth IRA? If the answer is No, what is t...