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treadingwater

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treadingwater

Picasso wrote: ↑Fri May 22, 2020 11:37 pm nutritionfacts.org

This non-profit changed my health

+1

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I use a CC for everything. 1.5% cash back on all purchases. Why not switch to the Fidelity card and get 2% back? Seems like I'd have to open a Fidelity account to get the 2%(cash back deposited directly into Fidelity account) It says the redemption value is different for statement credit, which is ...

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Vanguard doesn't offer an HSA. Go with Fidelity. Its free. Thats what I did.

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47k for 2020. This includes the cost to move halfway across the country, a 2 week vacation, and our taxes also.

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I-Bonds purchased through treasurydirect.gov pay inflation rate and backed by the government. Currently about 1.68%. Must hold 1 year before selling. If sell before 5 years will lose 3 months interest. Can put 10k per person per year and an additional 10k if you have a trust. Could put 10k in before...

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We moved ~3000sq ft house recently. First, have a garage sale and craigslist anything you don't want to move to your lovely new home. Packed everything ourselves and friends/family came over to help load the truck. It took 2 26ft uhauls to move it all. We also had family on the other end to help unl...

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Good Rx, Search that and input the drug name. It will show discounts that can be used at the pharmacy.

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Thanks for the responses. Will help me choose. Anyone else have any thoughts?

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The Undoing. On hbo. Nicole Kidman and Hugh Grant. Short series. Very good. Succession has 2 seasons. Its another highly rated show. Dysfunctional family billionaire drama.

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Anyone have any recommendations for inexpensivewaterproof music/podcast player to wear while swimming? How long has yours lasted? Approx how much? Any hiccups? Prefer wired. Thanks!

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Ibonds are currently paying 1.68%. Interest is state tax free.

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I-bonds. Put 10k for you and 10k for spouse now and repeat each year. Overpay your taxes and tuck 5k more in. Buy another 10k/year in the name of your trust. 35k/ yr. Interest is state tax free. Currently 1.68%

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Thank you for your service to our country and the people here on Bogleheads!

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A yoga mat and some 30 minute yoga videos.

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54 and 52. retired 54/46 drifting up to 60/40 which we plan to hold through retirement.

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For condo listings in Kauai we have liked Parrish Kauai. Extensive listings, good accurate pictures. They run a Black Friday sale that offer a significant savings. 10+ stays and we have not been disappointed.

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https://www.madfientist.com/how-to-acce ... nds-early/ The roth conversion ladder is a way to access your 401k early without penalty.

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Just phoned Amica to add the trust to the homeowners policy. It will be 25$ per year more.

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Would not recommend. Have seen a few friendships ruined over loans that were not repaid.

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Eat more slowly by chewing longer. This gives the body time to signal you are full, before you have overeaten. Drink a glass of water before eating. Make breakfast the largest meal of the day. Load your plate with mostly plants, the fiber, water content, low calorie density, fill you up and replace ...

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Recently checked out 2 dvds from the library. 1917 and Dr Sleep. Both suspenseful and held my interest all the way through. Dr Sleep is about the boy in The Shining who has grown up. He's an alcoholic who tries to hide himself from others who have evil powers.. He uses his extra-sensory gift to help...

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At first I "treated" myself with unhealthy comfort foods to try to feel happier but recently started reading How Not To Diet and its putting me back on track. I feel much better during the day when I feed my body right. Better energy all around.

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We also have a 2009 Elantra. The recall notice arrived last week. The nearest dealer is 45 minutes away. Past recalls have been done via appointment and completed within an hour. This time we are fearful of having somone in the car and or needing to use the dealer restroom and potentially exposing u...

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Right now we are not travelling, DH isn't golfing, no shopping or eating out. Not even a Culvers concrete mixer. :wink: So our monthly expenses are approx 3000$ per month. Down from 4-5 k per month. House and cars are paid off. So while this stock market drop has been upsetting, its nice that our bu...

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Thank you Rick for those suggestions! Excellent advice as always!!

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Invest in your 401k up to ( at least) the company match. Stay in low cost Total Stock Market Funds. No bonds until 45-50 yrs old. Max your IRA each year. Live below your means. Do not hold individual stocks. Sell company stock that was purchased at a discount as soon as is allowed

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Try to ease out of it. I also didn't know any better when I was young. The company stock has lost half its value, and had I been in vtsax I would be in a much better position. Speaking from experience here.

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Had a Chase Visa get compromised Christmas Day. The perps tried to put thru a charge in another country for a minor amount. Chase fraud flagged it and declined it. Chase contacted me and asked if I made the charge. Subsequently replaced card with new numbers. They did allow a recurring charge thru t...

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It was 401k/roth401k. Each supposed to have been rolled into traditional/roth ira respectively. The traditional did roll into tira. I will call vanguard and ask for an explanation. Thanks for your info!

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Paperwork from Vanguard says after my direct roth 401k to roth ira rollover that approx $3500 is "taxable as ordinary income" and approx $50k is "non-taxable employee contribution". Is the amount that is "taxable as ordinary income" taxable the year of the rollover or t...

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Some here are adding CDs to their fixed income to mitigate this risk. I hold both CDs and bond funds so that a portion of my fixed income is liquid.

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2007 Honda Accord. 203,000 miles. 1 broken axel repair approx 250$. Multiple airbag recalls. Otherwise just routine maintainance. Still purrs like a kitten.

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What is UI?

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I have seen large differences in costs at different facilities. It is worth getting a cpt code and calling around to find lowest price ( I have a high deductable and saved $1100 on an ultrasound)

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Our 2007 Honda Accord just reached 200,000 miles. It has been very reliable to this point. Our "new" car has 130,000 miles. We have decided to replace the Accord. Camry, Accord, Sonata, all look like solid choices. Sonata hybrid has a lifetime warranty on the battery. We also like the Subu...

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We had some living under our deck. One afternoon putting away items in a deck box, lid slammed shut. The noise startled the skunk, and thats how I found out he was there. We put moth balls under there and they moved on. They don't like the smell..

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Do not borrow from your 401k. You will lose out on the earning potential of the borrowed funds. Keep your discipline and don't touch that money until retirement.

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Being in your early 30's, you have a long time horizon until you will be using this money. It would be best to keep adding to it and investing in a low cost total stock market index fund. Over time the market goes up. Ignore the daily noise. Stick to your investment plan.

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I have accounts at TD Ameritrade and at Vanguard. I was going to transfer my TD accounts to Vanguard. TD called to find out why. They give me free 10 trades now each year in each account. This has been more than enough and the unused trades roll to the next year. I like both brokerages. Vanguard has...

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Maui. Bryce Canyon Utah. Key West. St. John USVI. Sedona AZ, Door County WI, Austin TX and surrounding countryside. Savannah GA.

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Thanks for sharing and for your many thoughtful posts.

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Back when I was just out of college, I enrolled in the company 401k. But, didn't even contribute enough to get the full company match. :oops: Instead, on advice from co-workers I bought company stock with borrowed funds which was hot in the 90s and has gone nowhere since. That decision has cost me m...

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Recently spent a week at a lakefront vrbo in Lake Ozark. Not so much a beach area, but swam everyday off the well stocked (kayaks, floaties, tubes, pedalboat) dock. Close enough to drive to. Boat, jet ski rentals abundant.

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Thank you Taylor for your service to this site and to our country! We are better for it!

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One cannot go back and make up for missed retirement account contributions. This is unfortunate. Opportunity lost. Ask me how I know.

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Ask your pharmacist if the prescribed med has a similar generic drug that has a mechanism of action like the brand name drug with similar effectiveness. Ask your Dr to change the order to that generic.

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Married 53. retired. DH still working. LCOL state direct tv 95 may cancel. only watching hbo and netflix gas/electric 300 netflix 9 water/sewer/garbage 100 house insurance 80 motorcycle insurance 7 health insurance 303 car insurance 38 (liability only on 2 older cars) 1 cell phone 37 (husband has co...

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Definitely recommend Chernobyl (hbo) . 5 part series tells the chilling true story of nuclear meltdown in Russia and mismanagement after. Also enjoyed the series Friends from College on netflix. Kind of funny and sweet and sad too. Mollys Game on Hulu. True story and well told.

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We just converted vtsax MF to vti (equvilant ETF) . I contacted Vanguard customer service and was told it could be done via phone call. The conversion appears to have taken place immediately and executed at the vti market price at the time of my phone call. I think this is the way to do it to not be...

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