Search found 52 matches

by cruzbay
Mon Oct 28, 2019 4:22 pm
Forum: Personal Investments
Topic: Question about Traditional IRA
Replies: 17
Views: 1078

Re: Question about Traditional IRA

I will investigate this. Sounds like a solid approach. Thanks so much!
by cruzbay
Mon Oct 28, 2019 2:36 pm
Forum: Personal Investments
Topic: Question about Traditional IRA
Replies: 17
Views: 1078

Re: Question about Traditional IRA

Thanks lakpr for your response. The money is sitting in cash awaiting a transfer. The TSP has their own "funds" that aren't the usual ones for total stock, etc. I think that I would have to transfer cash to the TSP (and then allocate to one of their funds) and then convert the basis to Roth, leaving...
by cruzbay
Mon Oct 28, 2019 2:10 pm
Forum: Personal Investments
Topic: Question about Traditional IRA
Replies: 17
Views: 1078

Re: Question about Traditional IRA

You can transfer the pretax portion of the IRA into your 401k, so at least you would be able to do backdoor Roth for yourself. It is relatively simple. 1. Make sure you separate the basis and pretax contributions + earnings out into separate funds. 2. Then transfer the fund which includes deductibl...
by cruzbay
Mon Aug 05, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 7368

Re: Dept Outsourced - Job Worries - Need your Advises

The LinkedIn profile is very important! Be sure to change your settings to "Open to Opportunity" so that your profile will come up in a search by a recruiter who has the LinkedIn Recruiter's license. And make sure that your profile gives enough info about what you are doing (list the most marketable...
by cruzbay
Sat Aug 03, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2261

Re: Costa Rica travel

Thanks once again for the info you all have added to the discussion! Very helpful!
by cruzbay
Fri Aug 02, 2019 12:10 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2261

Re: Costa Rica travel

Oh one more thing to mention: we found that you can get a decent exchange rate USD/CRC just by visiting the national bank (Banco de Costa Rica or Banco National de Costa Rica, both are state owned and have a fixed exchange rate). It can be a good idea to have local currency. Some vendors will be mor...
by cruzbay
Thu Aug 01, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2261

Re: Costa Rica travel

Thanks Banhbao! We will look into venturing south from Manuel Antonio and seeking out the good meals that you mention! December is actually in the 'dry season' which starts mid-Nov, but we will be prepared for rain for sure.
by cruzbay
Wed Jul 31, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2261

Re: Costa Rica travel

Thanks to all who took time to respond and provide valuable info! I am thinking that we will be back in Costa Rica again some time and will do a more 'beach shack' or 'eco lodge' type of trip then. We have had some great trips traveling with just a backpack each and mixing in with the local life. Ou...
by cruzbay
Tue Jul 30, 2019 3:24 pm
Forum: Personal Consumer Issues
Topic: Costa Rica travel
Replies: 20
Views: 2261

Costa Rica travel

I see from reading past posts that many of you have experience with Costa Rica travel. I am planning a trip for DH and me in December. So far, we are thinking that we will stay at Tabacon ( www.tabacon.com ) in Arenal area for 3 nights, at Aguti Lodge & Reserve ( www.agutimonteverde.com ) in Monteve...
by cruzbay
Tue Jun 04, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: Financing / Affording a Sportsmobile / luxurious small Class B RV…?
Replies: 49
Views: 2531

Re: Financing / Affording a Sportsmobile / luxurious small Class B RV…?

CanaDream rents Pleasureway campers. Make sure that they guarantee you the model you want to rent not a rental based on what is available in their inventory on the date you arrive. (Also, negotiate for extra km if possible.) They have locations in the major cities. A great way to try it out before b...
by cruzbay
Thu Apr 18, 2019 11:39 am
Forum: Investing - Theory, News & General
Topic: Consensus on I Bonds for 2019?
Replies: 67
Views: 13386

Re: Consensus on I Bonds for 2019?

Is it still thought to be a good idea to buy iBonds before the new rate announcement on May 1st?
by cruzbay
Wed Mar 27, 2019 3:06 pm
Forum: Personal Investments
Topic: Rollover of pre-tax tIRA earnings to TSP?
Replies: 4
Views: 221

Re: Rollover of pre-tax tIRA earnings to TSP?

Thank you, Alan S, for taking the time to respond and educate me on this. I agree that the 'test' conversion is not worth it. I will look at the 8606 forms to calculate the pro rata split. Cheers!
by cruzbay
Wed Mar 27, 2019 2:01 pm
Forum: Personal Investments
Topic: Rollover of pre-tax tIRA earnings to TSP?
Replies: 4
Views: 221

Re: Rollover of pre-tax tIRA earnings to TSP?

Thanks Spirit Rider! I intend to convert the post-tax basis dollars to a new Roth IRA and have any dollars in the account that are not listed on the 2018 8606 rolled over into the TSP. This is great! From now on, we will do the normal backdoor Roth conversion as we should have from the beginning. No...
by cruzbay
Wed Mar 27, 2019 1:27 pm
Forum: Personal Investments
Topic: Rollover of pre-tax tIRA earnings to TSP?
Replies: 4
Views: 221

Rollover of pre-tax tIRA earnings to TSP?

My husband has a TSP 401K account. In addition, he has an IRA-Contributory (tIRA) account to which we have made only non-deductible contributions. No pre-tax dollars have been contributed and it is recorded as such on the 8606. I would like to get this basis over to a Roth IRA and to roll the earnin...
by cruzbay
Mon Mar 25, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 83
Views: 4251

Re: Three Days in DC

The DC Circulator buses are now free to ride. Here is their website:
https://www.dccirculator.com/

Have a great time!
by cruzbay
Tue Mar 12, 2019 10:00 am
Forum: Personal Investments
Topic: Time to get serious-Retirement within 1 year!
Replies: 8
Views: 1946

Re: Time to get serious-Retirement within 1 year!

Thanks SGM for sharing your situation. Like you, I plan to move the tIRA funds into Roth if feasible in order to reduce the RMD/have the tax advantaged growth. Thanks to lakpr for your input as well. I like the idea of the no income tax state and know that the requirements in SD are fairly easy to m...
by cruzbay
Mon Mar 11, 2019 6:31 pm
Forum: Personal Investments
Topic: Time to get serious-Retirement within 1 year!
Replies: 8
Views: 1946

Re: Time to get serious-Retirement within 1 year!

You have the money but you have way too many investments. You can easily consolidate the majority of your holdings and if it's done in a tax-advantaged account, there will be no tax ramifications to consolidate. Thanks for your response. Do you think that we should convert his IRA to Roth now, just...
by cruzbay
Mon Mar 11, 2019 6:24 pm
Forum: Personal Investments
Topic: Time to get serious-Retirement within 1 year!
Replies: 8
Views: 1946

Re: Time to get serious-Retirement within 1 year!

With 4.2 million in assets not counting home equity, you have 28x annual expenses (you said annual expenses of $150k). With the sale of your primary home in VA, you will have $5 million, approximately 34x expenses By any measure you are ready to retire, heck you had been ready to retire 3 years ago...
by cruzbay
Mon Mar 11, 2019 3:39 pm
Forum: Personal Investments
Topic: Time to get serious-Retirement within 1 year!
Replies: 8
Views: 1946

Time to get serious-Retirement within 1 year!

Thank you in advance for taking time to read and give advice! This is a lot of info but better to get it all out there, I think. 😊 Emergency Funds: Yes Debt: No debt. Pay credit card monthly. Tax Filing Status: Married Filing Jointly. No children Tax Rate: 32% Federal 5.75% State (2018) State of Res...
by cruzbay
Sat Mar 09, 2019 4:55 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 200
Views: 72974

Re: Master thread for Washington DC Area Bogleheads

Is there a meeting in March? Is the pattern still that the group meets on the 3rd Sunday of the odd numbered months? Yes, there will be a meeting on Sunday March 17, 2019, according to the first post at the top of this thread, which has been edited 43 times and was last updated in January of this y...
by cruzbay
Sat Mar 09, 2019 4:46 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 200
Views: 72974

Re: Master thread for Washington DC Area Bogleheads

Is there a meeting in March? Is the pattern still that the group meets on the 3rd Sunday of the odd numbered months?
by cruzbay
Fri Feb 22, 2019 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Question about career change into software development
Replies: 9
Views: 550

Re: Question about career change into software development

Technical Recruiter here. Over half the open positions on my desk are data-focused. Data Analyst, Data Scientist (advanced degree required for those and a healthy supply of new grads currently although many requiring visa sponsorship) all the way up to Chief Data Officer. As far as the industry spec...
by cruzbay
Fri Feb 08, 2019 11:16 am
Forum: Investing - Theory, News & General
Topic: To What Degree Does Money Buy Happiness?
Replies: 107
Views: 5497

Re: To What Degree Does Money Buy Happiness?

As some others have noted, money buys freedom. I would like to add that it is what you do with that freedom that determines your happiness. Be a good freedom manager! :sharebeer
by cruzbay
Tue Jan 29, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Ideas
Replies: 16
Views: 1481

Re: Anniversary Trip Ideas

While you don't need a passport to go to USVI, you will not be able to jump a daytrip to the British Virgin Islands (BVI) without one. These trips are really fun as it is a short boat ride to Tortola, Jost Van Dyke, etc. On a related note, on certain sides of St. John, your mobile phone may very wel...
by cruzbay
Fri Jan 25, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia
Replies: 55
Views: 4247

Re: Skiwear Advice - Columbia/North Face vs. Arc'Teryx/Patagonia

It will be hard to beat Patagonia for customer service and their level of quality is high. Their nano-puff line is great for layering and packs up small in a stuff sack. Generally, each year in January (I think) Patagonia has a sale so watch for that. For under layers, you might look at the HeatTech...
by cruzbay
Fri Jan 25, 2019 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22641

Re: Why doesn't a lot of money feel like a lot of money?

I like to think of it this way: Money cannot buy happiness but money can buy freedom. What you do with that freedom will determine your happiness. This is why some lottery winners crash and burn. They cannot handle the freedom. For us, the freedom is knowing that we have enough and should not have t...
by cruzbay
Tue Jan 22, 2019 10:18 am
Forum: Personal Investments
Topic: How to reach and help novices not reading these boards?
Replies: 6
Views: 604

Re: How to reach and help novices not reading these boards?

Good for you! I, too, am interested in teaching financial literacy and think it will be my volunteer "job" when I retire. While a blog is aimed at the masses, unless you have a lucky strike on gaining big exposure, your work may go unnoticed. Maybe to focus on a small group or 'investment learning c...
by cruzbay
Thu Dec 27, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 7332

Re: Ally-14 month Select CD at 2.85%

I checked on the automatic renewal into a 12 month CD and here is the reply from Ally: "All CD's will automatically renew into the same terms with the exception of promotions, they will renew into the closest term. With all CD's you are able to make any changes during the 10 day grace period - Add/R...
by cruzbay
Wed Dec 26, 2018 10:30 am
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 7332

Ally-14 month Select CD at 2.85%

Just rolled a CD that was coming due and moved the funds from the No Penalty CD that I opened to earn the recent bonus to a limited time offer for existing customers. The offer is a 14 month Select CD at 2.85%. The rep said that this offer will be out there into the month of February 2019. It doesn'...
by cruzbay
Wed Dec 19, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: Anniversary Trip Ideas
Replies: 16
Views: 1481

Re: Anniversary Trip Ideas

You can guess my answer by my screen name likely! St. John USVI is great! We stay at the Grande Bay condos (VRBO) which are right on the edge of Cruz Bay town and totally walkable to bars/restaurants/shops. Also, there are taxis that will take you to the beaches (Trunk, Cinnamon, Jumby, etc.) so no ...
by cruzbay
Thu Dec 13, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Trip to Italy
Replies: 42
Views: 2883

Re: Trip to Italy

If you are searching for flights on the Internet, use the Incognito window on Google Chrome or some type of anonymous setting on other browsers. This type of browser does not relay any personal identifiers to the websites you access. It seems that if your 'cookie' is captured by the websites and the...
by cruzbay
Fri Dec 07, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Where have the turtleneck base layer shirts gone?
Replies: 13
Views: 2054

Re: Where have the turtleneck base layer shirts gone?

Uniqlo offers great technical layer pieces in their HeatTech collection. They are lightweight and warm. Here is a link to the Men's turtleneck: https://www.uniqlo.com/us/en/men-heattech-turtleneck-long-sleeve-t-shirt-408112.html?dwvar_408112_color=COL69&cgid=men-heattech-collection#start=8&cgid=men-...
by cruzbay
Mon Nov 19, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 4029

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

As for the big influx of 25000 workers for Amazon, that isn't exactly what will happen here. They located in Arlington partially because of the existing talent pool. The DC tech market will likely see a much greater than normal 'churn' of talent with workers choosing to leave their current jobs and ...
by cruzbay
Wed Nov 14, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 2048

Re: Teaching young folks how to save for retirement

I think that teaching financial literacy to young people may be an area of interest for me after I retire. So important that they understand at least the basics (savings, compounding, stocks vs bonds, the true cost of credit card debt, etc.) I can understand them being mystified, overwhelmed and la...
by cruzbay
Wed Nov 14, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Teaching young folks how to save for retirement
Replies: 27
Views: 2048

Re: Teaching young folks how to save for retirement

I think that teaching financial literacy to young people may be an area of interest for me after I retire. So important that they understand at least the basics (savings, compounding, stocks vs bonds, the true cost of credit card debt, etc.) I can understand them being mystified, overwhelmed and lac...
by cruzbay
Fri Nov 09, 2018 12:22 pm
Forum: Forum Issues and Administration
Topic: User surge at 3:07AM?
Replies: 5
Views: 1809

Re: User surge at 3:07AM?

You all are so smart! I never thought of the time zone/international audience. Very nice. My curiosity is cured.
by cruzbay
Fri Nov 09, 2018 10:59 am
Forum: Forum Issues and Administration
Topic: User surge at 3:07AM?
Replies: 5
Views: 1809

User surge at 3:07AM?

Saw this today and it seems curious that the highest user count was in the middle of the night on a Saturday. Any ideas why or is there usually a large audience burning the oil at 3AM Saturdays? Real users or bots? "In total there are 903 users online :: 82 registered, 14 hidden and 807 guests (base...
by cruzbay
Tue Nov 06, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: Christmas in Montreal?
Replies: 8
Views: 678

Re: Christmas in Montreal?

Will look at Quebec City for sure.

Maybe the idea of a winter wonderland with snow gently falling and Christmas angels singing will be more like freezing and trying not to fall on the ice. Will consider all options. Moving something sunny up the list! Thanks for the input!
by cruzbay
Tue Nov 06, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Christmas in Montreal?
Replies: 8
Views: 678

Re: Christmas in Montreal?

Thanks for the suggestions! If anyone else has input, please chime in! :)
by cruzbay
Tue Nov 06, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: Christmas in Montreal?
Replies: 8
Views: 678

Christmas in Montreal?

My husband and I are deciding where to spend Christmas and the idea of Montreal was suggested. Anyone with experience spending the holiday there? We would stay downtown or in Old Montreal and do the holiday markets, museums, see the churches, ride the wheel, etc. Not sure of appropriate length of st...
by cruzbay
Thu Jun 21, 2018 1:24 pm
Forum: Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1773

Re: Early retirement myth

Tanja on Our Next Life blog covered this subject: https://ournextlife.com/2018/03/21/fire-blogger-manifesto/ She calls for transparency by the FIRE bloggers to not mislead their readers into thinking that they are not still making an income. She isn't against it, of course, just thinks that it is un...
by cruzbay
Thu May 31, 2018 2:20 pm
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11780

Re: Series I Bonds in April/May 2018

You can if you really want to. It would make you an extra $12.50 assuming 1.5% interest. Maybe give yourself a couple of days leeway, no need to push for that extra 40 cents and risk the additional ~$7 in higher interest that compounds on the I bonds as well as starting the clock for no penalty wit...
by cruzbay
Thu May 31, 2018 1:42 pm
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11780

Re: Series I Bonds in April/May 2018

I meant to buy 10K x 2 iBonds effective the last day of May which, as I understand it, would pay interest from May 1st. Just opened my account to initiate purchase and the effective date they give is tomorrow. Should I hold my money and buy at the end of a month, thus earning interest in two places ...
by cruzbay
Wed May 16, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Lucrative careers?
Replies: 467
Views: 51166

Re: Lucrative careers?

If you have great people skills and can quickly pick up on the basics of many different technologies, you could be a technical recruiter. Join a firm that has outstanding training, work like crazy to be the best, build true relationships with your candidates and clients (not a dialing for dollars/sl...
by cruzbay
Fri May 04, 2018 3:56 pm
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11780

Re: Series I Bonds in April/May 2018

Mel Lindauer wrote:
Tue May 01, 2018 2:59 pm
cruzbay wrote:
Tue May 01, 2018 11:16 am


Second question, does it have to be your own child's college or could it be that of a niece/nephew?

Thanks in advance for your insight on these questions!
Has to be your own dependent.
Thank you! An honor to have you answer my question!
by cruzbay
Tue May 01, 2018 11:29 am
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11780

Re: Series I Bonds in April/May 2018

So if I want to buy 10K of I bonds, is it best to do this as part of a taxable account or to use some cash sitting in a SEP IRA or a rollover IRA? (I know that we have some work to do on this and shouldn't have cash sitting in these accounts.) My husband should also buy and has only a traditional I...
by cruzbay
Tue May 01, 2018 11:16 am
Forum: Personal Investments
Topic: Series I Bonds in April/May 2018
Replies: 69
Views: 11780

Re: Series I Bonds in April/May 2018

So if I want to buy 10K of I bonds, is it best to do this as part of a taxable account or to use some cash sitting in a SEP IRA or a rollover IRA? (I know that we have some work to do on this and shouldn't have cash sitting in these accounts.) My husband should also buy and has only a traditional IR...
by cruzbay
Fri Apr 27, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 15179

Re: Nomadic lifestyle in their 50s

There is a great group on Facebook called Nomadic Retirement Living. Much to be learned there, whether you are a current Nomad or a Nomad-in-training. Also, a previous poster mentioned Lynne and Tim Martin of "Home Sweet Anywhere" fame. I enjoyed their book by this name and follow their Facebook gro...
by cruzbay
Fri Apr 06, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 8654

Re: Want/need some income in semi-retirement

You might want to get on nextdoor.com for your neighborhood and see what people need or do a posting offering your services. Our site in Northern VA had someone the other day who had recent knee surgery and needed some help around the house, there are a great variety of people seeking help and maybe...
by cruzbay
Fri Mar 30, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Resign from job or possible termination
Replies: 76
Views: 11471

Re: Resign from job or possible termination

As a recruiter, I have to say that you need to be careful of your languaging around the "termination." You, my friend, are not being terminated. Your job is being terminated. Big difference. Also, have an answer to the question "Why are seeking a new opportunity?" practiced and 'at the ready.' Somet...