Search found 67 matches

by treadingwater
Tue Feb 09, 2021 7:54 am
Forum: Personal Finance (Not Investing)
Topic: social security earnings record
Replies: 35
Views: 2685

Re: surprising 0 earnings for 2020 in social security statement

You can sign up on the website.
by treadingwater
Tue Jan 05, 2021 8:48 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 295
Views: 19400

Re: Tips to stick to a weight loss diet?

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

This non-profit changed my health
+1
by treadingwater
Sat Jan 02, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Tips for Frugal Living
Replies: 284
Views: 27048

Re: Tips for Frugal Living

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 ...
by treadingwater
Wed Dec 30, 2020 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Where to move/open my HSA?
Replies: 3
Views: 288

Re: Where to move/open my HSA?

Vanguard doesn't offer an HSA. Go with Fidelity. Its free. Thats what I did.
by treadingwater
Tue Dec 29, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: What did you spend in 2020?
Replies: 204
Views: 12814

Re: What did you spend in 2020?

47k for 2020. This includes the cost to move halfway across the country, a 2 week vacation, and our taxes also.
by treadingwater
Sun Dec 20, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on AA Plan for Retirement & Near Term
Replies: 12
Views: 696

Re: Thoughts on AA Plan for Retirement & Near Term

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...
by treadingwater
Sun Dec 20, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Cost of Moving
Replies: 34
Views: 1631

Re: Cost of Moving

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...
by treadingwater
Mon Dec 07, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA
Replies: 10
Views: 663

Re: ACA plans: Bronze HMO vs. Bronze HMO HDHP/HSA

Good Rx, Search that and input the drug name. It will show discounts that can be used at the pharmacy.
by treadingwater
Sun Nov 29, 2020 9:11 pm
Forum: Personal Consumer Issues
Topic: Recommendation: Waterproof music player for swimming
Replies: 3
Views: 304

Re: Recommendation: Waterproof music player for swimming

Thanks for the responses. Will help me choose. Anyone else have any thoughts?
by treadingwater
Sun Nov 29, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV free HBO Cinemax for 5 days - What to watch ?
Replies: 31
Views: 2374

Re: YoutubeTV free HBO Cinemax for 5 days - What to watch ?

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.
by treadingwater
Sun Nov 29, 2020 8:19 am
Forum: Personal Consumer Issues
Topic: Recommendation: Waterproof music player for swimming
Replies: 3
Views: 304

Recommendation: Waterproof music player for swimming

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!
by treadingwater
Thu Nov 12, 2020 2:08 pm
Forum: Personal Investments
Topic: Where to save $$$ for a home?
Replies: 14
Views: 1295

Re: Where to save $$$ for a home?

Ibonds are currently paying 1.68%. Interest is state tax free.
by treadingwater
Thu Nov 12, 2020 12:23 am
Forum: Personal Investments
Topic: Where to save $$$ for a home?
Replies: 14
Views: 1295

Re: Where to save $$$ for a home?

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%
by treadingwater
Thu Nov 12, 2020 12:02 am
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26693

Re: Taylor Sends His Best to Fellow Bogleheads

Thank you for your service to our country and the people here on Bogleheads!
by treadingwater
Tue Sep 01, 2020 7:08 am
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 510
Views: 43006

Re: What is your age and asset allocation ?

54 and 52. retired 54/46 drifting up to 60/40 which we plan to hold through retirement.
by treadingwater
Sun Aug 30, 2020 12:00 am
Forum: Personal Consumer Issues
Topic: First time considering AirBnB or VRBO
Replies: 23
Views: 1735

Re: First time considering AirBnB or VRBO

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.
by treadingwater
Thu Jul 23, 2020 7:06 am
Forum: Personal Investments
Topic: Roth IRA Idea: Burst my bubble
Replies: 35
Views: 4351

Re: Roth IRA Idea: Burst my bubble

https://www.madfientist.com/how-to-acce ... nds-early/ The roth conversion ladder is a way to access your 401k early without penalty. :happy
by treadingwater
Mon Jun 29, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Adding a trust to your homeowner's policy
Replies: 63
Views: 7920

Re: Adding a trust to your homeowner's policy

Just phoned Amica to add the trust to the homeowners policy. It will be 25$ per year more.
by treadingwater
Tue Jun 09, 2020 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Can I give a loan to my buddy to buy a boat?
Replies: 81
Views: 4908

Re: Can I give a loan to my buddy to buy a boat?

Would not recommend. Have seen a few friendships ruined over loans that were not repaid.
by treadingwater
Sun May 24, 2020 7:29 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 295
Views: 19400

Re: Tips to stick to a weight loss diet?

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 ...
by treadingwater
Tue May 19, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6424
Views: 1438078

Re: What Movie Have You Recently Watched?

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...
by treadingwater
Tue May 12, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4488

Re: COVID - 19 things to do

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. :happy
by treadingwater
Sun May 03, 2020 8:30 pm
Forum: Personal Consumer Issues
Topic: Does Hyundai Elantra Defect Cause Real Danger?
Replies: 11
Views: 871

Re: Does Hyundai Elantra Defect Cause Real Danger?

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...
by treadingwater
Thu Apr 30, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 7453

Re: Has your budget changed? What items have you cut out?

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...
by treadingwater
Mon Mar 09, 2020 10:47 pm
Forum: Investing - Theory, News & General
Topic: Five Ways To Make Lemonade Out Of A Lemon Market
Replies: 19
Views: 3958

Re: Five Ways To Make Lemonade Out Of A Lemon Market

Thank you Rick for those suggestions! Excellent advice as always!!
by treadingwater
Fri Feb 28, 2020 5:11 pm
Forum: Investing - Theory, News & General
Topic: The most valuable lesson in your investment career?
Replies: 87
Views: 4898

Re: The most valuable lesson in your investment career?

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 :happy .
by treadingwater
Thu Jan 30, 2020 4:28 pm
Forum: Personal Investments
Topic: Sell company stock (taxes) or wait until early retirement (no or low taxes)
Replies: 23
Views: 1910

Re: Sell company stock (taxes) or wait until early retirement (no or low taxes)

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.
by treadingwater
Sat Jan 11, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Visa Data Breach Effecting Fidelity Visa
Replies: 18
Views: 2215

Re: Visa Data Breach Effecting Fidelity Visa

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...
by treadingwater
Wed Dec 18, 2019 1:19 pm
Forum: Personal Investments
Topic: Roth 401k Direct Rollover to Roth IRA "taxable as ordinary income" ?
Replies: 10
Views: 625

Re: Roth 401k Direct Rollover to Roth IRA "taxable as ordinary income" ?

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!
by treadingwater
Wed Dec 18, 2019 11:28 am
Forum: Personal Investments
Topic: Roth 401k Direct Rollover to Roth IRA "taxable as ordinary income" ?
Replies: 10
Views: 625

Roth 401k Direct Rollover to Roth IRA "taxable as ordinary income" ?

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...
by treadingwater
Sat Nov 23, 2019 12:19 pm
Forum: Personal Investments
Topic: Investing in a Bond Fund.
Replies: 17
Views: 1491

Re: Investing in a Bond Fund.

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.
by treadingwater
Sat Nov 23, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 94314

Re: Flaunt Your High-Mileage Car

2007 Honda Accord. 203,000 miles. 1 broken axel repair approx 250$. Multiple airbag recalls. Otherwise just routine maintainance. Still purrs like a kitten.
by treadingwater
Wed Oct 30, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Unnecessary blood tests
Replies: 51
Views: 3520

Re: Unnecessary blood tests

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)
by treadingwater
Sun Sep 15, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Having to consider replacing my car
Replies: 40
Views: 2526

Re: Having to consider replacing my car

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...
by treadingwater
Wed Aug 14, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Skunks keep coming in our yard!
Replies: 44
Views: 3498

Re: Skunks keep coming in our yard!

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..
by treadingwater
Sun Aug 11, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Buying a car, does it make sense to use 401k loan instead of an auto loan?
Replies: 37
Views: 3064

Re: Buying a car, does it make sense to use 401k loan instead of an auto loan?

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.
by treadingwater
Wed Aug 07, 2019 2:08 pm
Forum: Personal Investments
Topic: My NEW Portfolio + The State of the Market (DOWN)
Replies: 56
Views: 3845

Re: My NEW Portfolio + The State of the Market (DOWN)

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.
by treadingwater
Thu Aug 01, 2019 3:05 pm
Forum: Personal Investments
Topic: Can I find Happiness at TD Ameritrade?
Replies: 16
Views: 2120

Re: Can I find Happiness at TD Ameritrade?

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...
by treadingwater
Tue Jul 30, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2598

Re: Please help with vacation locations

Maui. Bryce Canyon Utah. Key West. St. John USVI. Sedona AZ, Door County WI, Austin TX and surrounding countryside. Savannah GA.
by treadingwater
Sat Jul 27, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: "15 Things You Didn't Know About Vanguard Group"
Replies: 13
Views: 2578

Re: "15 Things You Didn't Know About Vanguard Group"

Thanks for sharing and for your many thoughtful posts. :happy
by treadingwater
Mon Jul 22, 2019 4:30 pm
Forum: Investing - Theory, News & General
Topic: One bad decision - examples?
Replies: 67
Views: 7743

Re: One bad decision - examples?

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...
by treadingwater
Thu Jul 11, 2019 7:36 am
Forum: Personal Consumer Issues
Topic: Long Weekend Beach Getaway
Replies: 14
Views: 1315

Re: Long Weekend Beach Getaway

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.
by treadingwater
Thu Jun 06, 2019 6:35 am
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor Larimore!
Replies: 49
Views: 7031

Re: Thank you, Taylor Larimore!

Thank you Taylor for your service to this site and to our country! We are better for it!
by treadingwater
Fri May 31, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Reduce retirement contributions or take out a mortgage?
Replies: 23
Views: 1363

Re: Reduce retirement contributions or take out a mortgage?

One cannot go back and make up for missed retirement account contributions. This is unfortunate. Opportunity lost. Ask me how I know.
by treadingwater
Thu May 30, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: How to save on prescription drug costs?
Replies: 60
Views: 5448

Re: How to save on prescription drug costs?

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.
by treadingwater
Tue May 28, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 153
Views: 35709

Re: Anyone want to share their monthly budget? Here's ours

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...
by treadingwater
Mon May 27, 2019 1:57 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2675
Views: 267242

Re: [What TV Show Have You Recently Watched?]

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.
by treadingwater
Fri May 10, 2019 4:54 pm
Forum: Personal Investments
Topic: Brokerages with no-transaction fees for Vanguard funds
Replies: 40
Views: 4119

Re: Brokerages with no-transaction fees for Vanguard funds

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...