Search found 186 matches

by CrazyCatLady
Tue Apr 21, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to negotiate severance if laid off?
Replies: 75
Views: 6263

Re: How to negotiate severance if laid off?

Good severance: 1 year of pay for every 2 years worked. Why would an employer pay that? I certainly wouldn't. Why would you want 1/3 of your pay at the end of your stint with the company anyway? As near as I can tell, most of a severance is just an employer that feels badly about having to let you ...
by CrazyCatLady
Tue Apr 21, 2020 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Optimizing PPP Forgiveness
Replies: 330
Views: 23652

Re: Optimizing PPP Forgiveness

Regarding documentation, our banker recommended segregating the PPP funds in a separate account and directly paying reimbursable expenses from that account. When it comes time to prove the money was spent on payroll/utilities/rent, the detail is all contained in the bank statement. As someone point...
by CrazyCatLady
Fri Apr 03, 2020 7:39 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9907

Re: Does anyone else just not care/worry?

I'm not worried about my portfolio. Maybe it's because I started investing in the late 90s so this is old hat, or maybe it's because I don't consider it "real money". Probably also helps that I'm still in my 40s. I have a years worth of cash in my EF. If I need to start drawing on that, then I will ...
by CrazyCatLady
Fri Apr 03, 2020 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10930

Re: Are your personal expenses down during stay home and shelter?

The only thing down for me is gas. Up are groceries, dining out (I'm trying to support my local spots and tipping more than usual since its delivery), cat food (more cans since I'm home more) and litter (can't stand the smell, so changing at least weekly), and utilities (had to increase internet). I...
by CrazyCatLady
Sun Mar 22, 2020 8:51 am
Forum: Personal Investments
Topic: TLH -- looking for partners!!
Replies: 43
Views: 2196

Re: TLH -- looking for partners!!

I've never looked into tax loss harvesting because primarily over the last two years or so, we have seen mostly gains. International has been down a bit I think, but I never thought about the amount of money saved in doing it until now. I'm seeing red across the board and realizing I have been miss...
by CrazyCatLady
Fri Mar 20, 2020 7:24 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 53361

Re: How Is Your Job Being Impacted By The Current Crisis?

I work for a professional services company and we have gone 100% remote. It's a learning curve, since remote working has never been encouraged (and we weren't really prepared for it). No layoffs planned (or likely), though those of us at the senior level have been told to expect a temporary pay cut ...
by CrazyCatLady
Tue Mar 17, 2020 4:56 am
Forum: Personal Investments
Topic: TLH partners: domestic, international, bonds, it's all here.
Replies: 10
Views: 820

Re: TLH partners

VOO to ITOT to VV to VONE

IXUS to VXUS to VEU to IEFA

I've pretty much run out of TLH partners at this point...
by CrazyCatLady
Sat Mar 14, 2020 5:00 am
Forum: Personal Investments
Topic: Another TLH question
Replies: 2
Views: 238

Re: Another TLH question

I see no issues with a TLH from VEU and VV to VT. But the ratio of VEU:VV you have might not correspond to those in VT. As an alternative, you can TLH VV to VTI, and VEU to a VEA/VWO combo. Thanks! I wasn't sure if it would be an issue because combined they hold the same underlying shares. Are ther...
by CrazyCatLady
Thu Mar 12, 2020 8:03 pm
Forum: Personal Investments
Topic: Another TLH question
Replies: 2
Views: 238

Another TLH question

I started out with IXUS (total international) and VOO (S&P 500), and have made the following trades within the past 30 days: VOO (only shares with losses) to ITOT (S&P1500) IXUS (only shares with losses) to VXUS (international) When shares went down again: ITOT (all shares held) to VV (Large Cap) VX...
by CrazyCatLady
Sun Mar 01, 2020 7:41 pm
Forum: Personal Investments
Topic: Dividend Question
Replies: 2
Views: 573

Dividend Question

I finally looked at my tax documents from Vanguard and saw that roughly half of the dividends I received in 2019 were not qualified. That surprised me since the funds I held (VOO and IXUS) seem to have a higher percentage of qualified dividends. I did not sell (or TLH) any shares last year. The only...
by CrazyCatLady
Fri Feb 28, 2020 7:01 am
Forum: Personal Investments
Topic: Confirming best TLH partners for VOO and IXUS (now ITOT and VXUS)
Replies: 9
Views: 654

Re: Confirming best TLH partners for VOO and IXUS

Follow up question on this. I TLH'd on Wednesday and sold some of my IXUS and bought VXUS. Also sold some of my VOO and bought ITOT. With the latest drop, I'm down another $1500, so I would like to TLH ITOT and VXUS. Based on the posts above, I think my best options are VV (Large Cap) for ITOT, and ...
by CrazyCatLady
Tue Feb 25, 2020 6:22 pm
Forum: Personal Investments
Topic: Confirming best TLH partners for VOO and IXUS (now ITOT and VXUS)
Replies: 9
Views: 654

Confirming best TLH partners for VOO and IXUS (now ITOT and VXUS)

With the recent dip in stock prices, I think I am ready to TLH and want to confirm I'm using the best matches. I have IXUS (iShares total international) and VOO (S&P 500) in taxable. I hold VTSAX in IRA and VTSAX and VGMTX (developed markets) in 401(k). I have dividends turned off in IRA, but would ...
by CrazyCatLady
Sat Feb 01, 2020 9:44 am
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8327

Re: I have a question for those in early FIRE or planning on early FIRE

I don't know if I could handle a retired time lord. I remember reading your OMY posts back when I was just lurking :)
by CrazyCatLady
Fri Jan 31, 2020 7:10 pm
Forum: Personal Investments
Topic: How to identify a company's transfer agent
Replies: 5
Views: 350

Re: How to identify a company's transfer agent

Another option is to check their most recent 10-K or proxy. It should be identified there. Computershare is the one I see most often.
by CrazyCatLady
Sun Jan 26, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?
Replies: 113
Views: 5879

Re: How Did 2001-2002 and 2007-2008 Influence Your Investing Philosophy? Or Did It?

I started 401(k) investing in the late 90s, so I probably had less than $30k invested during the dot.com bust. The advisor who set up my account a couple of years earlier said to me at the time that he was putting me in 100% aggressive growth stocks because I was young and had time to recover. He ma...
by CrazyCatLady
Sun Jan 26, 2020 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Ambulance Ride and Insurance (911 House Call)
Replies: 24
Views: 2704

Re: Ambulance Ride and Insurance (911 House Call)

Check your water bill to see if you pay a monthly ambulance charge. I'm not sure how wide spread it is, but I've lived in a couple places where you pay a monthly fee and all emergency ambulance rides are free. I ran into that situation about 10 years ago and it saved me $1,200.
by CrazyCatLady
Sat Jan 25, 2020 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to contest beneficiary of a life insurance and brokerage account of a deceased?
Replies: 51
Views: 4816

Re: Is it possible to contest beneficiary of a life insurance and brokerage account of a deceased?

She likely needs to talk to an attorney with a lot of probate experience (i.e. the ones that both write the docs and also go to court to probate them) in your state. I wonder if his changing the beneficiaries right before the attack could be contested on the grounds that he had a diminished mental c...
by CrazyCatLady
Wed Jan 22, 2020 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Asked to sign away liability for AZ short term rental
Replies: 28
Views: 2885

Re: Asked to sign away liability for AZ short term rental

No comment on the liability issue, but did want to say that you are going to love Cave Creek, especially in February/March. If you are a spa person and need a recommendation let me know. One of my favorites is in that general area :)
by CrazyCatLady
Wed Jan 22, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Expense tracking
Replies: 1
Views: 233

Re: Expense tracking

I use Mint and find it easy to track on my phone. I also have the quicken app on my phone, and it seems to operate a lot like Mint. If you don't like the Quicken app, you likely won't like Mint. I have personal capital but never use it. I don't find it to be very user friendly.
by CrazyCatLady
Sat Jan 18, 2020 2:47 pm
Forum: Personal Investments
Topic: Wife left
Replies: 43
Views: 9264

Re: Wife left

Say she pays combined federal and state rate of 22% on the $170k; then you are only giving her $132k. Meanwhile you get up to $250k gain tax-free on sale of your home... How about giving her $170k Roth? The OP shouldn't negotiate against himself. If she is happy with $170k traditional, that's what ...
by CrazyCatLady
Fri Jan 17, 2020 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loans or Refinance? First Post
Replies: 25
Views: 1478

Re: Pay off Student Loans or Refiannce? First Post

Totally disagree with the poster who said to keep your loans. I carried my loans for seventeen miserable years. My balance was about double your wife's, and I've gotta say that having long term loans can weigh on you. Want to change careers or buy a house? Good luck, you need to payoff the mortgage ...
by CrazyCatLady
Wed Jan 15, 2020 8:39 am
Forum: Investing - Theory, News & General
Topic: Value of Active and Ongoing Reading of the Bogleheads Forums
Replies: 104
Views: 9309

Re: Value of Active and Ongoing Reading of the Bogleheads Forums

This is my first post ever on Bogleheads! I finally feel I've found a place where I can post the many questions I have on investing. I'm currently reading (listening technically) Boggleheads- Guide to Investing. I started by changing my spending patterns by reading Dave Ramsey, Rich Dad Poor Dad, a...
by CrazyCatLady
Sat Jan 11, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905509

Re: What's Your Credit Card Rewards Strategy?

I wouldn't keep too many points sitting around for a long time. It is like holding on to third world currencies. Even if they offer a cash conversion inflation cuts into it. Trips I took many times on UAL for 60k miles now are typically 105k miles 2 years later. Yep, I experienced that too. I saved...
by CrazyCatLady
Sat Jan 11, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905509

Re: What's Your Credit Card Rewards Strategy?

Personally, I would focus on reducing my “inventory” of miles/points locked into a particular travel program, since URs (or MRs) are a more flexible currency that is less likely affected by devaluations. Of course, if you don’t actually have any plans to travel, that would then mean looking at non-...
by CrazyCatLady
Sat Jan 11, 2020 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 4663
Views: 905509

Re: What's Your Credit Card Rewards Strategy?

I have the problem of collecting points and not using them (seriously - I have over 4 million points across about 10 rewards programs). I've decided to focus on Ultimate Rewards first. I have about 450,000 UR points. At one point I thought I would use them for a grand international first class trip,...
by CrazyCatLady
Mon Jan 06, 2020 8:29 pm
Forum: Personal Investments
Topic: Non Spouse Death IRA Transfer – Moors/Cabot (MC)
Replies: 24
Views: 1010

Re: Non Spouse Death IRA Transfer – Moors/Cabot (MC)

Very sorry for your loss. On the Roth IRA match, I think you are talking about posts from parents encouraging their kids to save young. If a kid earns $3,000 in a year, the parent says that if the kid puts $1,500 in a Roth IRA, the parent will "match" it. The kid is still subject to the $6,000 per y...
by CrazyCatLady
Sat Jan 04, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Geico cancels 1M umbrella
Replies: 54
Views: 6804

Re: Geico cancels 1M umbrella

How much are other folks paying for $1 million of umbrella? I'm paying $1,000/year which I thought was fair; however, now I'm seeing the OP was paying was paying $200-$300. This has me concerned/ :oops: Wow, I was thinking $200 was expensive! I got a $1 million policy last year from State Farm for ...
by CrazyCatLady
Wed Jan 01, 2020 1:48 pm
Forum: Investing - Theory, News & General
Topic: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST
Replies: 684
Views: 21313

Re: OFFICIAL REGISTRATION FOR THE 2020 BOGLEHEAD CONTEST

3417.23

I was way too low last year, so fingers crossed I am again! :)
by CrazyCatLady
Sun Dec 29, 2019 7:56 am
Forum: Personal Investments
Topic: Help Rebalancing?
Replies: 8
Views: 712

Re: Help Rebalancing?

Ferdinand2014 wrote:
Sat Dec 28, 2019 8:27 pm

I modified a version of this spreadsheet to keep track of my holdings:

http://www.invest-it-yourself.com/downloads.php#

I just use the beginner rebalancing tool. I use it to keep track of holdings as I do not rebalance.
Awesome, thanks! I will check that out.
by CrazyCatLady
Sat Dec 28, 2019 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: How do you spend $$ on yourself?
Replies: 108
Views: 12368

Re: How do you spend $$ on yourself?

I'm a massage and mani/pedi girl. I allow myself one indulgent day per month where I can spend 3-4 hours getting treatments with no guilt. It also helps with relaxation :)
by CrazyCatLady
Sat Dec 28, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mini-Milestone
Replies: 20
Views: 1900

Re: Mini-Milestone

Congrats! That's a major milestone in my book! :sharebeer
by CrazyCatLady
Sat Dec 28, 2019 6:17 pm
Forum: Personal Investments
Topic: Help Rebalancing?
Replies: 8
Views: 712

Re: Help Rebalancing?

... (I want a small cap tilt) ... Is small cap as the dominant position in a Roth IRA a good idea? Thanks! Presumably, since you want a small cap tilt, you believe that it will indeed out-perform someday. If/when that day comes, the Roth IRA would be the perfect place to soak up all that "extra" re...
by CrazyCatLady
Sat Dec 28, 2019 6:04 pm
Forum: Personal Investments
Topic: Help Rebalancing?
Replies: 8
Views: 712

Re: Help Rebalancing?

Right now, unless my math is faulty, you have 25.9% bonds and 74.1% stocks. If you sell all your shares in your Roth IRA and buy Total Bond Index and sell your VGSAX in your 401(k) and buy Total Bond Index, you will get to 32.6% / 67.4% ratio of bonds/stocks. Thanks for your thoughts! Of the total ...
by CrazyCatLady
Sat Dec 28, 2019 3:54 pm
Forum: Personal Investments
Topic: Help Rebalancing?
Replies: 8
Views: 712

Re: Help Rebalancing?

Hi CrazyCatLady, You listed about $32,000 in new contributions between jan and apr, but your portfolio is stated in percentages. We cannot suggest a rebalance unless we know the equivalence between dollars and percentages. If you wish to obscure your values for privacy, I suggest you scale all your...
by CrazyCatLady
Sat Dec 28, 2019 12:09 pm
Forum: Personal Investments
Topic: Help Rebalancing?
Replies: 8
Views: 712

Help Rebalancing?

I need to rebalance my accounts in accordance with my IPS, I am stumped at the best way to do it (math is not my strong point, and Excel can only get me so far :)). Any thoughts would be appreciated. IPS: US Stocks 41.5%, Int'l Stock 23%, Small Cap 6%, Bonds 28.5%, Cash 1%. Fixed Income will increas...
by CrazyCatLady
Sat Dec 28, 2019 9:10 am
Forum: Personal Investments
Topic: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?
Replies: 24
Views: 1875

Re: FDIC insured consideration... Big deal, overblown, what? Any case studies or personal experiences?

Many times you read about one account/investment versus another and someone mentions how one may be FDIC insured and one isn't. In practice, is this really a big thing to consider? I was just reading about using a Roth IRA as part of an emergency fund, which is what prompted this question. I guess ...
by CrazyCatLady
Sat Dec 28, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3649

Re: Quicken 2017

... Thanks! I looked at their help section and YouTube videos, but still feel a little lost. I can't even figure out how to update income :) Then do like the rest of use do and Google "quicken how to update income". Cheers I've done that for some of my issues, but I've also realized that I'm not go...
by CrazyCatLady
Fri Dec 27, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3649

Re: Quicken 2017

Can anyone suggest a good Quicken tutorial? I thought Quicken would be easy to pick up since I've used Mint for years, but after using Quicken for a month, I've come to the conclusion it is smarter than me :) This is free and might be all you need: https://www.quicken.com/quicken-tips Thanks! I loo...
by CrazyCatLady
Thu Dec 26, 2019 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2017
Replies: 66
Views: 3649

Re: Quicken 2017

Can anyone suggest a good Quicken tutorial? I thought Quicken would be easy to pick up since I've used Mint for years, but after using Quicken for a month, I've come to the conclusion it is smarter than me :)
by CrazyCatLady
Thu Dec 26, 2019 9:47 am
Forum: Personal Investments
Topic: Age 62 - just lost job - seeking advice
Replies: 110
Views: 12194

Re: Age 62 - just lost job - seeking advice

OP, do you or your wife have a pension coming? Or a similar income stream? If yes, it would help to provide details (age it starts, amount, retirement benefits). How much will your wife's social security be at 62, 67, and 70? Also, it may help to clarify the car loans and the amounts and location (i...
by CrazyCatLady
Sun Dec 22, 2019 5:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8645

Re: Vanguard Estimated Year-End Distributions

My IXUS dividend hit my account yesterday, and it was more than I was expecting (my math was off), so now I am wondering how much will be qualified dividends. All shares have been held at least 60 days. Does anyone know the qualified percentage? I don't own IXUS myself but this page https://www.ish...
by CrazyCatLady
Sat Dec 21, 2019 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8645

Re: Vanguard Estimated Year-End Distributions

My IXUS dividend hit my account yesterday, and it was more than I was expecting (my math was off), so now I am wondering how much will be qualified dividends. All shares have been held at least 60 days. Does anyone know the qualified percentage? The chart also indicates there is a potential for an i...
by CrazyCatLady
Thu Dec 19, 2019 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Is any one uncomfortable with their wealth?
Replies: 152
Views: 12292

Re: Is any one uncomfortable with their wealth?

I am in a strange situation. Probably 95% of the partners in my group make substantially more than me (most double or triple) and spend substantially more than me (they drive New Mercedes and BMWs and there's me with a five year old Toyota Camry :)). I also save more than them so I don't feel like w...
by CrazyCatLady
Thu Dec 12, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8645

Re: Do we have a similar chart for iShares (IXUS)?

See this thread and link: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=297186&newpost=4885843&view=unread#unread Thanks! Looks like I need to avoid VOO for about a week. Do we have a similar chart for iShares (IXUS)? This should have some of the information you're looking for: https://www....
by CrazyCatLady
Thu Dec 12, 2019 8:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8645

Re: Record date for VOO and IXUS?

stan1 wrote:
Thu Dec 12, 2019 8:32 am
See this thread and link:
viewtopic.php?f=10&t=297186&newpost=488 ... ead#unread
Thanks! Looks like I need to avoid VOO for about a week. Do we have a similar chart for iShares (IXUS)?
by CrazyCatLady
Thu Dec 12, 2019 8:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard Estimated Year-End Distributions
Replies: 71
Views: 8645

Record date for VOO and IXUS?

[Merged into ongoing discussion -- mod oldcomputerguy] Does anyone know the record date(s) for the next dividend on VOO and IXUS? I'm scheduled to purchase my monthly allocation today, but am willing to wait a few days if it will let me avoid receiving the next dividend. On a related note, I saw a ...
by CrazyCatLady
Tue Dec 10, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to decrease taxable income in next 21 days?
Replies: 14
Views: 1995

Re: How to decrease taxable income in next 21 days?

Is your 401(k) plan a profit sharing plan, and can you have your bonus contributed as a profit sharing contribution (assuming you are under the $56k limit)? I do this every year with a portion of my bonus, and it doesn't count as income. The only downside is that the plan has to pass the top heavy t...
by CrazyCatLady
Sat Dec 07, 2019 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 435
Views: 37277

Re: Quicken 2019 and forward

RickBoglehead wrote:
Sat Dec 07, 2019 8:22 pm
Simply pull up your paystub and enter it as directed by Quicken.

https://www.quicken.com/support/how-do-i-set-paycheck

You can log into any account and download transactions from there to Quicken, click on their Download Transactions link.
Thanks, that's much easier! :oops:
by CrazyCatLady
Sat Dec 07, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 and forward
Replies: 435
Views: 37277

Re: Quicken 2019 and forward

1. I was looking at my quarterly breakdown and noticed that the "pets" category was lower than expected. I looked closer and saw that it was missing an emergency vet visit from the beginning of last month. I double checked, and the charge does show up on my credit card statement, but for some reaso...