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Sagefemme

In 1985, when I was 24, I got a bookkeeping job at a small company (actually a local franchise of a bigger company). My boss, who owned the local branch and was a super nice guy, described a benefit called a "401k plan." I'm not sure I even listened to his description, I just waited polite...

Sagefemme

I love this thread. I don't think this (arguing against the Volvo) is the hill you want to die on. Get her whatever car she wants. Maybe wait until after the baby comes; perhaps somehow your current cars will prove up to the task of conveying an 8 pound human :happy BUT BEWARE the unbelievable monet...

Sagefemme

I disagree on a Growth of 10k chart because it gives the wrong impression that Emerging Market Equity is what you should be investing in (if you started in 2001). What happens when you start investing in other years, such as 2007? Instead, how about the "Growth of Capital" chart that's in...

Sagefemme

I have Vanguard ETFs at Schwab. Seems to work well. Considered moving to Vanguard to hold Vanguard MFs there but have other accounts (Roth IRA, tIRA) at Schwab and there's too much risk, in my case, of neglecting an account at a different brokerage. I need to keep it pretty simple!

Sagefemme

This thread is rather entertaining to read being a nurse practitioner. Although not in primary care. Lots of varying opinions out there for sure. Have a blessed day. This!! I have read this whole thread with my mouth hanging open. Luckily I am mostly amused, not horrified. Amazing number of wrong a...

Sagefemme

Will convert to Roth on Monday morning. The Fidelity guy who helped me get the funds into the IRA said "you can literally transfer the funds to Roth the moment we're done funding the IRA" which seems to be untrue; I can't transfer to the Roth today. I will do it first thing Monday morning...

Sagefemme

Celia, thank you for your detailed reply. It is VERY helpful to have carefully worded and clearly stated information when you're trying to get your head around a bunch of concepts you haven't really considered before. I appreciate it very much! I am going to read your post (and the whole thread) sev...

Sagefemme

Good for you sticking with your plan. It's not easy to stop using/pay down credit cards. Although easier since COVID, no restaurants to go to, right?

Sagefemme

There are several things to consider here. 1. Do you need to do Roth conversions on your tax-deferred accounts (your 401k, His 403b, and your tIRA)? Some people actually need to do Roth conversions to reduce the amount of money subject to RMDs at age 72. This is frequently done in early retirement ...

Sagefemme

We have a taxable account worth 19% of our total investments. And yes, starting in 2021 we will have enough reduction in income to be able make direct contributions to a Roth (95% sure of this, will calculate our AGI for 2021 to be sure). *But I'm worried we won't have extra cash to make those cont...

Sagefemme

I HATE it when Roto Rooter tells me this:

"there's also large decorative rocks and coral bits and broken marbles in there that can't be pushed down."

Sagefemme

Ok, given some more info, I have to back up a step and ask you why you are motivated to move your existing TIRA money into a Roth at all. What benefit do you believe that will net you? (It is possible that it won't actually net you any benefit.) The rule of thumb is that if you are in a lower tax b...

Sagefemme

I just KNEW y'all would help me :happy ! I mentioned both converting and back-door-ing because I'm not sure how exactly we would get Roth monies to happen. Yes, our income was too high to contribute directly to Roth in the past. And yes, starting in 2021 we will have enough reduction in income to be...

Sagefemme

DH and I have a relatively large amount of our retirement savings in tax deferred vehicles (401k, 403B, and one tIRA which contains 100% pre-tax money). We have no Roth savings. We have a taxable account worth 19% of our total investments. I am thinking about ways to get some money in a Roth. I am s...

Sagefemme

I succeeded in nicely "pestering" my employer to get more index funds into their 401K plan. What I discovered is that the persons (owners of the company) on the financial committee that meets with/takes recommendations from the local financial services company that makes the company plan w...

Sagefemme

That leaves the question of how to get my money back in the market for the long term. I think your idea is a good one. But I still have a gut feeling things are going to go south after the new year . I think I'll plan to make a lump sum investment of half in February or so then start DCAing the res...

Sagefemme

Lemon almond ricotta cake which I will serve with a dollop of lemon curd and a few berries, tomorrow for my daughter's birthday. We are going to try to have cake with a few family members outside in the afternoon. Not sure how it will go; weather report for tomorrow mid 50s and overcast. I wish I ha...

Sagefemme

I strongly recommend looking into getting insulin from Canada or another country. It's several times less expensive for the same product. There are several online support groups and forums for both patients and parents. Have you looked at and/or joined them for tips and advice? My wife is on a bunc...

Sagefemme

I have a good friend whose 18 year old daughter, whom I have known since she was born, was diagnosed with T1 at age 6. My friend says having double insurance coverage for her daughter (my friend and her ex both work for a public university) has been extremely helpful. They have been astonished at t...

Sagefemme

Lots of people who care about their health spend a lot on supplements. The evidence (high quality medical studies) is that in well-nourished Americans most supplements are not needed; some can even be harmful. It is however, VERY big business for the manufacturers. I think vitamin D could be argued ...

Sagefemme

I have a good friend whose 18 year old daughter, whom I have known since she was born, was diagnosed with T1 at age 6. My friend says having double insurance coverage for her daughter (my friend and her ex both work for a public university) has been extremely helpful. They have been astonished at th...

Sagefemme

My husband and I debate nearly every year about which day our wedding anniversary is--I am sure it's May 24 and he is sure it's May 25. We never actually check to verify. The debate is kind of fun. You may guess that we got married on one week's notice in a judge's office with two friends as witness...

Sagefemme

I'm about to turn 60 and will "retire" (will quit my day job but not sure I won't work at something else next) very soon. We live in a modest house in a very pleasant older neighborhood, bought in 1995 when my kids (now gone) were very small. I'm watching friends, especially those who are ...

Sagefemme

TomatoTomahto wrote: ↑Sat Nov 28, 2020 7:49 am OP, congrats on hitting the two comma club. Now, be careful not to get out over your skis. Man plans and God laughs.

This sentiment, said this way, is the thing. Love me some Bogleheads......

Sagefemme

I like y--shaped peelers (my husband prefers the other shape) and buy them for $1.49 at Ikea whenever I am in there. I am in Ikea infrequently so I just buy 5 or 6 of them, plenty to last for the next 10-12 years! They are sharp enough to peel just about anything cleanly.

Sagefemme

Thanks, everyone, for answering and for being knowledgeable!! I did email Allan Roth about this and he is a fan of this product. His off the top of his head suggestion is no more, and possibly less, than 50% of our bond allocation to TIAA. The rest to a liquid bond fund.

Sagefemme

The money in his account comprises both employer and employee contributions. I will try to find out if there is a version of the product that is more liquid. But we aren't likely to absolutely NEED it to be liquid in the next 10-20 years, I think.

Sagefemme

Interestingly, RM, after today's conversations about TIAA Trad, DH shows subtle signs of interest ("Wait, why didn't I know about this when I took this job in 1995?" is one comment I heard today......). It's a little frustrating; he's a MATHEMATICIAN for goodness sake, why don't these numb...

Sagefemme

To be clear, my memory is that Wealth Logic did inquire whether TIAA Traditional was available to us. At the time I did not understand the product (I probably still don't) well enough to get that it was IMPORTANT to find this out. I should have made DH find it out. At the time he was being crabby ab...

Sagefemme

Looks like DH does have TIAA Traditional available to him (I'm trying not to be annoyed that we didn't confirm this a few years ago--I'm pretty sure Alan Roth asked me about this and at the time I couldn't get DH, who has less than no interest in all this retirement stuff, to find out) at the 3% rat...

Sagefemme

I'm not sure about TIAA Traditional, I will have to check on that.

Sagefemme

About two years ago DH and I simplified our various retirement accounts and changed our AA from 70/30 to 50/50. We worked with Alan Roth at Wealth Logic on this; I had to rearrange a complex taxable account that had too many funds and too many expensive funds. In the rearrange Alan recommended bond ...

Sagefemme

This is an amazing thread--I am learning so much!! There is an amazing amount of perspective for the OP. And the plot keeps getting thicker. What I want to know is, what does your wife think of all this? Is she reading the posts/replies? I very much hope that whatever happens, you and she are FIRMLY...

Sagefemme

Back to the beginning of this thread where livesoft suggested using the "Analysis" tab at Fidelity and you replied you don't have that tab. It sounds like you have your "start page" set to NetBenefits which is the employer area. From there click on the Menu tab in the black bar (...

Sagefemme

LadyGeek wrote: The Turkish Get Up is incredibly difficult to get the correct form. It took me over a week just to get close and it's still not right. All I could handle was a 10 lb weight. Today, I finally advanced to 12.5 lb. The best I can do is to focus on keeping my arm fully vertical for the d...

Sagefemme

I second the idea of spending some time on Pricescope.com. You will learn a lot and I bet you will buy the diamond online when all is said and done. Find out what your girl really wants (hack her Pintrest account or solicit info from her besties). I have two fairly valuable/sizeable diamond rings. O...

Sagefemme

I much prefer to Zoom or FaceTime on an iPad than on a phone. I have had good experiences buying used phones and an iPad on swappa.com. My rules for Swappa include only buying from someone with existing ratings (and I do read the ratings) and I usually go for "mint" condition which often a...

Sagefemme

I have spent the last few days doing garden maintenance that has been deferred for many years (amazing what furlough from work results in). Pruned many overgrown shrubs and trees. Removed some perennials that have seen better days. Spread truckload after truckload of blended mint compost over every ...

Sagefemme

1) Rebalanced according to plan. 2) TLH in my taxable account. 3) Reconsidered retirement at the end of 2020 (maybe not!). 4) Thanked my lucky stars that I have a Toto bidet toilet seat, which means TP is not needed, and is far more hygienic in the first place (just ask the Japanese, or anyone who h...

Sagefemme

DH and I have been looking forward to a planned car camping and hiking trip with another couple to Samuel P Taylor State Park in Marin County California. Over the last few weeks it has seemed like a viable trip even with the virus situation. Now with the "lockdown" of 7 Bay Area counties i...

Sagefemme

My investment plan (which I have only had for about a year) says rebalance Jan 1 and July 1 each year, and whenever the portfolio is 6% away from the designated AA of 50-50. July 1 of 2019 and Jan 1 of 2020 there was nothing to do, as I was still at 50-50 or very close. Yesterday I was at 44-56, and...

Sagefemme

FWIW, I got a bed (The Culla Spindle) from Article. For the price (it was about 25% less than similar beds I saw online) the quality is great. Solid as a rock. Shipped beautifully, nothing scratched, broken, or missing, good assembly instructions. My daughter has a small sofa from Article which also...

Sagefemme

I prefer water flossing to flossing with a string, but my hygienist recommends both. I try to do string flossing in the morning and water flossing before bed.

Sagefemme

seity, will you share the technique you were taught? I don't know what the numbers are but my dial is set about halfway between min and max. I have turned it up higher but found somehow at the higher pressure I lost my grip on the handle easily. As some of you may have found out, two things happen w...

Sagefemme

I have been to all the islands of Hawaii; each has its charms. I just got back a few days ago from O'ahu. Stayed in a darling older bungalow (Air BnB) in a cute neighborhood walkable to Queen's beach, Diamond Head, and Waikiki. I really like the big city options of Honolulu (had some terrific food) ...

Sagefemme

I have two rollerboards from Briggs and Riley. I bought them, very discounted, on Sierra Trading Post about 20 years ago. At the time I didn't know what B and R was. Now I understand what excellent luggage is. These two bags have been on hundreds of trips. They have been tossed around by the airline...

Sagefemme

I am a nurse practitioner who assists at surgery (my employer is a reproductive endocrinologist and we do surgery one day per week, at an outpatient surgery center for straightforward laparoscopies, and at the main hospital for more complex cases). I don't see why a GI procedure like a colonoscopy s...

Sagefemme

bironology wrote: ↑Fri Nov 23, 2018 7:27 am Rick, duly noted, thanks for that advice. I agree autopay and account alerts are the way to go. Also noted on the predator risk. Not happening on my watch! I also will have PoA for my mom, in advance of when it's required. It can be a challenge to head of...

Sagefemme

I recommend fleshing out in your head all the steps involved if you were to move to New York, not find work, and end up moving back to Seattle. If that would be disastrous for you, emotionally, financially, or logistically, then don't go until you have a job secured. If your evaluation of the worst ...

Sagefemme

I have the same problem at Fidelity. Two accounts with zero balances from an employer I haven't worked for since 2008. I gave up trying to get Fidelity to delete the accounts and just opted in my settings to hide them. They are still there, but they don't bother me any more.

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