Search found 1305 matches

by Nestegg_User
Tue Oct 15, 2019 4:30 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 50
Views: 2959

Re: Invited to join HOA board. Pros/cons?

....another consideration: you may also need to be covered by insurance if you serve on committees of the HOA. In a prior location, one (group of) disgruntled members sued both the officers of the HOA and members of some committees of the HOA (budget, etc) and only the officers were covered by the p...
by Nestegg_User
Wed Oct 09, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: Do you carry your passport with you during international travel?
Replies: 105
Views: 8105

Re: Do you carry your passport with you during international travel?

It’s not commonly known, but Americans *can* have two US passports. One is a 10-year, the backup is a 2-year. Wow, is this true? I've never heard of this before, do you have a cite? Well, you can always go to the source... https://www.us-passport-service-guide.com/second-passport.html There's anoth...
by Nestegg_User
Sun Sep 29, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Employer is relocating - how to be allowed to work remotely
Replies: 51
Views: 3664

Re: Employer is relocating - how to be allowed to work remotely

Not to beat a dead horse but if you are truly irreplaceable then the best thing for the company to do might be to just cancel your project and do some other sort of business. The problem is that even if they paid you boatloads of money to keep you happy and let you work remotely then there is a sti...
by Nestegg_User
Tue Sep 24, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Inside dishwasher smells after cleaning dishes...
Replies: 24
Views: 1346

Re: Inside dishwasher smells after cleaning dishes...

is there a problem with the anti-backflow check valve?

it's failure would cause water normally pushed out to return to the unit, not give clean dishes (and cause smells), and not have the dishes dry at the end (could have water at bottom of unit)
by Nestegg_User
Tue Sep 24, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Quiz: How Well Do You Know Social Security
Replies: 37
Views: 3328

Re: Quiz: How Well Do You Know Social Security

I only got a 100% ....

as for trivia, they should ask if any number starts with 666-xx-xxxx, or has xxx-00-xxxx ..... no there's no such numbers.... (so you can use 666-00-1234 as a dummy placeholder if you want)
by Nestegg_User
Tue Sep 24, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 4796

Re: What Benefits to Expect for new Fed employee?

Kyle the one advantage is that one can roll over up to 240 hours year to year (there are a few agencies (foreign service, I believe) where the number is higher) the downside for most professional positions is that the nominal pay is much below the private sector (mine was at least 25%, not even cons...
by Nestegg_User
Tue Sep 24, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 4796

Re: What Benefits to Expect for new Fed employee?

We signed up for the long term care insurance. Although it isn't subsidized, the premiums are affordable, and it seems like a good hedge against the possibility of an extended nursing home stay or a few years of home health aides. Is the federal long term care insurance program better than what can...
by Nestegg_User
Mon Sep 23, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 4796

Re: What Benefits to Expect for new Fed employee?

also, be aware that things can change (and have done so even retroactively! {Yes, FERS itself was made retroactive when it was implemented}) so you need to pay attention. Also pay attention to how your state (or future state if you plan on relocation in retirement) taxes fed benefits... it's not un...
by Nestegg_User
Mon Sep 23, 2019 6:51 pm
Forum: Personal Investments
Topic: My stock options are expiring soon!
Replies: 21
Views: 1771

Re: My stock options are expiring soon!

It's play money for you. I am sure you know all about concentrating equity risk with job risk and all that. All I can tell you is anecdotally, when I didn't see the light and held company stock because "I knew" it was going to go up..... soon. It never did. Always went the way I least expected it t...
by Nestegg_User
Mon Sep 23, 2019 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 4796

Re: What Benefits to Expect for new Fed employee?

also, be aware that things can change (and have done so even retroactively! {Yes, FERS itself was made retroactive when it was implemented}) so you need to pay attention. Also pay attention to how your state (or future state if you plan on relocation in retirement) taxes fed benefits... it's not un...
by Nestegg_User
Mon Sep 23, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: What Benefits to Expect for new Fed employee?
Replies: 72
Views: 4796

Re: What Benefits to Expect for new Fed employee?

There's no "automatic".... (except for the 1% that FERS puts in), everything you have to opt in (HR doesn't get to spend your money!) There's no employer paid LI (in fact, the possible version they have is fairly poor, unless you have a condition that makes you uninsurable; the rates for private LI,...
by Nestegg_User
Thu Sep 19, 2019 12:33 pm
Forum: Personal Investments
Topic: Help with retirement date?
Replies: 14
Views: 1037

Re: Help with retirement date?

greg24 wrote:
Thu Sep 19, 2019 10:28 am
April 2, 2029.
I think it might be a touch earlier- - - February 30





(It's way, way too early to nail any time down... future returns can be all over the board)
by Nestegg_User
Thu Sep 19, 2019 6:53 am
Forum: Personal Consumer Issues
Topic: Best place to buy Microsoft Office 2019....
Replies: 102
Views: 9347

Re: Best place to buy Microsoft Office 2019....

I'll give a little counterpoint: an elderly retiree (late 70's) that I know was having a real problem with her computer....she's had a computer, of various sorts, for some time so wasn't totally unawares. Turns out, her hubby, when they purchased their last computer, had used the 365 subscription mo...
by Nestegg_User
Sun Sep 15, 2019 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 11
Views: 654

Re: Roth TSP transfer mechanics

I believe a major benefit of transferring Roth TSP to Vanguard Roth is that you will not be forced to take RMD’s (Required Minimum Distributions) at 70 1/2. That's the main reason; also, with the Roth TSP there are "issues" when the primary beneficiary passes (search site on Roth TSP ) for example:...
by Nestegg_User
Sun Sep 15, 2019 10:55 am
Forum: Personal Investments
Topic: Is this enough for retirement?
Replies: 17
Views: 3455

Re: Is this enough for retirement?

as I said, you could see if you could take advantage of 0% cap gains (if you are in that range in those first two years); and you should be good to go

(we planned on being as "bulletproof" as possible, figuring that if we have a problem that there's gonna be a lot more people in far far worse shape.)
by Nestegg_User
Sun Sep 15, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 11
Views: 654

Re: Roth TSP transfer mechanics

While I haven't gone out there to check, are you sure that the notarized forms go to Vanguard? in almost all cases, they (Thrift plan) want the originals with all routing numbers/accounts on the form.
by Nestegg_User
Sun Sep 15, 2019 10:38 am
Forum: Personal Investments
Topic: Is this enough for retirement?
Replies: 17
Views: 3455

Re: Is this enough for retirement?

OP
yep, that's why it's referred to as RLE (residual living expenses)... those that need to be made up after all other sources (such as pension, SS, or annuity)
by Nestegg_User
Sun Sep 15, 2019 10:27 am
Forum: Personal Investments
Topic: Is this enough for retirement?
Replies: 17
Views: 3455

Re: Is this enough for retirement?

As I see that you just joined in August, belated "welcome to the forum" so you say you have 27 x RLE with a 51/49 allocation with first two years in cash... Is your income going to be low enough to stay in the 0% cap gains range? if so, you might want to take advantage of that (as you didn't mention...
by Nestegg_User
Wed Sep 11, 2019 9:13 pm
Forum: Investing - Theory, News & General
Topic: Rich people are hoarding cash
Replies: 101
Views: 15583

Re: Rich people are hoarding cash

Another rough-and-ready test for "Am I rich?" is: can you afford to pay cash for a 1700 square foot home in Palo Alto https://www.zillow.com/homedetails/216-Everett-Ave-Palo-Alto-CA-94301/19495540_zpid/ I'm not "rich", just "comfortable".. but if we sold out current home.... we could..... hey, it's...
by Nestegg_User
Fri Sep 06, 2019 8:47 am
Forum: Personal Consumer Issues
Topic: Lawn Tractor Recommendations?
Replies: 26
Views: 1842

Re: Lawn Tractor Recommendations?

I just got a new cub cadet 42" electric tractor mower. It's pretty sweet and so far amazing. I'll be using it to cut well over an acre. It's the only electric riding mower out there with a lithium battery pack, so no maintenance required. It's a little pricier than a nice John Deere, but well worth...
by Nestegg_User
Thu Sep 05, 2019 4:14 am
Forum: Personal Consumer Issues
Topic: Waze gives wrong directions;now gmaps too; any others I can use?
Replies: 33
Views: 3290

Re: Waze gives wrong directions;now gmaps too; any others I can use?

I think you need to consider the "weather out the window" approach.... don't blindly use any app. (I'm reminded of early errors of mapping apps and problems in "Death Valley", for example) as an example, DW uses them all the time... when traveling one time, the app gave directions to a site that dro...
by Nestegg_User
Tue Sep 03, 2019 10:05 am
Forum: Personal Investments
Topic: How to value pension as a benefit when comparing jobs
Replies: 24
Views: 2327

Re: How to value pension as a benefit when comparing jobs

Sorry for the likely simple question for many of you. I am a physician trying to compare two jobs, however one happens to be for the federal government under their FERS plan which includes both the TSP and their version of a pension. While the base salary of the job without a pension is more than t...
by Nestegg_User
Tue Sep 03, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4777

Re: Some Computer Science Career Advise?

while I don't know "Jack".... i'd have to agree They've already burned you once, and may feel that you are a "flight risk" in the future anyways.... and may not dangle future important projects your way (to avoid similar issues later). I would have considered that the time to promote you would have ...
by Nestegg_User
Mon Sep 02, 2019 12:58 pm
Forum: Personal Investments
Topic: How to value pension as a benefit when comparing jobs
Replies: 24
Views: 2327

Re: How to value pension as a benefit when comparing jobs

Sorry for the likely simple question for many of you. I am a physician trying to compare two jobs, however one happens to be for the federal government under their FERS plan which includes both the TSP and their version of a pension. While the base salary of the job without a pension is more than t...
by Nestegg_User
Sat Aug 31, 2019 3:46 pm
Forum: Personal Consumer Issues
Topic: Does anyone have a dishwasher they recommend?
Replies: 47
Views: 2917

Re: Does anyone have a dishwasher they recommend?

123 wrote:
Sat Aug 31, 2019 2:57 pm
I had a great dishwasher but we had a falling out and she left. She cooked and cleaned as well.
....but did she have a lawnmower? :P
by Nestegg_User
Wed Aug 28, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Computer printer suggestions.
Replies: 25
Views: 1229

Re: Computer printer suggestions.

Ditto on the Brother B&W laser printer (with scanner)... you should easily be able to get one for $150 or less with adequate capabilities... and replacement cartridges are available both online and in B&M stores at reasonable cost. Ours has done very well... with lots of pages printed... without pro...
by Nestegg_User
Wed Aug 28, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Purchasing a truck - thoughts?
Replies: 105
Views: 6650

Re: Purchasing a truck - thoughts?

As the OP asked about reliability.... if they've done their due diligence they will have found that the GM products (GMC/Chevy) have slightly poorer ratings overall than the Toyota. The Toyota have usually had problems with trannys, but that's usually because people have tried to tow more than it's ...
by Nestegg_User
Fri Aug 09, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9573

Re: Pretty much broke --- what would you advise?

risk doesn't really get you far with their asset level Maybe, but I don't give people with less money bad advice because the amount of money doesn't matter to me. I said it really doesn't move the needle... in survival terms, they have oxygen but are in need of water; more food won't make their odd...
by Nestegg_User
Fri Aug 09, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9573

Re: Pretty much broke --- what would you advise?

given assets at 50 k if 30% at 5% returns ==> 750 remaining at 1% returns ==> 350 for a total of 1100, if all goes right if 30% equities, and market drop of half, then that drops that to 375, for a total of 725 compared to just leaving in CD's ( using 1% as rate, which should go higher for the longe...
by Nestegg_User
Fri Aug 09, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9573

Re: Pretty much broke --- what would you advise?

If I knew that they didn't need the funds I would at least have put them in a short CD ladder (3 yr max, since at present doesn't seem to be any benefit for longer) to bring in better than money market... they cannot take the risk of equities... they are effectively right in SOR right now and can't ...
by Nestegg_User
Fri Aug 09, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9573

Re: Pretty much broke --- what would you advise?

What is there social security income? It seems they should bring in $3,000 combined and they will survive. What am I missing? He's already started his at 1100 and her's is given at 1200, if claiming now; that's a bit of a distance from 3000 (700 off).... that's why we say that at least one of them ...
by Nestegg_User
Fri Aug 09, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Pretty much broke --- what would you advise?
Replies: 85
Views: 9573

Re: Pretty much broke --- what would you advise?

sorry MM.... any realistic allocation to stocks won't move the needle at all.... agree with the consensus that they should find money market or equivalent so as to retain some value (at this point, inflation is the least of their worries) with his SS so low (1100), it's clear that he took it at 62 (...
by Nestegg_User
Wed Aug 07, 2019 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pharma career change - bench to ?
Replies: 15
Views: 1896

Re: Pharma career change - bench to ?

well I can say that QC and procurement jobs aren't gonna fill the bill - - there's going to be no advancement and likely is going to churn through individuals at the lowest price point, as they are viewed as just a " bunch of hands", (QC usually requires overtime and odd shifts to get the product ou...
by Nestegg_User
Mon Aug 05, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buy the house or continue to rent?
Replies: 39
Views: 2782

Re: Buy the house or continue to rent?

gonna have to agree with the general consensus: you've already put the kids through school, so no "need" for the school district (except, as you say, to help keep up property value) and have also said that, being in the aviation industry (...and we've all seen the effects of the MAX on B's bottom li...
by Nestegg_User
Sat Aug 03, 2019 6:50 pm
Forum: Investing - Theory, News & General
Topic: The birds and the bees. Why not bequests?
Replies: 9
Views: 1726

Re: The birds and the bees. Why not bequests?

"Your mother and I are rich, You have nothing"

https://youtu.be/rO35dhxNjYI
by Nestegg_User
Sat Aug 03, 2019 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

UpperNwGuy didn't end with 3200, as I had a couple of serious surgeries and PT, but had a nice payout of AL ( not to mention a performance bonus, as well) in the year after retirement. as you can imagine, I was given some slack.... like for weekly reports I basically said that if it's important eno...
by Nestegg_User
Sat Aug 03, 2019 2:12 pm
Forum: Investing - Theory, News & General
Topic: The birds and the bees. Why not bequests?
Replies: 9
Views: 1726

Re: The birds and the bees. Why not bequests?

(don't do clickbait...and am not NYT subscriber... so didn't read)
...but what's that saying from a certain TV show: " No son, we're rich.... you don't own a thing" or something like that. also something like counting chickens....
by Nestegg_User
Sat Aug 03, 2019 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

UpperNwGuy didn't end with 3200, as I had a couple of serious surgeries and PT, but had a nice payout of AL ( not to mention a performance bonus, as well) in the year after retirement. as you can imagine, I was given some slack.... like for weekly reports I basically said that if it's important eno...
by Nestegg_User
Sat Aug 03, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

UpperNwGuy didn't end with 3200, as I had a couple of serious surgeries and PT, but had a nice payout of AL ( not to mention a performance bonus, as well) in the year after retirement. as you can imagine, I was given some slack.... like for weekly reports I basically said that if it's important enou...
by Nestegg_User
Sat Aug 03, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

Yep, I sure wasn't gonna donate to a case like that ...especially since it was annual (not sick) that had to be donated. (has it changed to allow for SL to be donated? I'm retired, so it's just of interest)
by Nestegg_User
Sat Aug 03, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

susleni really not likely to use leave like that (two days every PP); we had someone like that... every other Friday had chiro or something like that and took off whole day - - it was used as evidence of SL abuse. The individual was required to have doctor provide full time of treatment, and when it...
by Nestegg_User
Sat Aug 03, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Federal employees: FERS and voluntary separation?
Replies: 24
Views: 1949

Re: Federal employees: FERS and voluntary separation?

Delamer They'd be reemployed... so service credits would apply, but I'm fairly sure that they would be under the conditions for new employees AFA contributions towards retirement (already higher and potentially even more) OP, I think that the question would be do you need the insurance in period bet...
by Nestegg_User
Sat Aug 03, 2019 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employee Burn or Sick Leave [before retirement]
Replies: 125
Views: 9246

Re: Federal Employee Burn or Sick Leave [before retirement]

I retired near year-end 2018 at age 56 with 34 years 8 months of actual fed service and my 2400+ hours of unused sick leave added 1 year 2 months to my service for annuity purposes. My family has average longevity and DW's family has extreme longevity so the initial 3.44% increase in service and pe...
by Nestegg_User
Fri Aug 02, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1356

Re: Travel German alpine and Swiss Alp. Please review

I've been to nearly all these places and just returned from a trip to Germany/Austria earlier this month. Here are my thoughts: niterary: Day 1 (9/2) Arrive Munich from KEF Day 2,3 (9/3-4) Munich - While in Munich, you may want to see Nymphenburg or one or two of Ludwig's castles as day trips in Ba...
by Nestegg_User
Fri Aug 02, 2019 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 15257

Re: Why won’t anyone hire me?

Often, the "best" type of job for someone like this are not advertised, but filled by who knows who - and networking. Sometimes, for example, a small company will have an office - and a need for someone to "run" the office for all of the mundane (but important) kinds of things that need to be done ...
by Nestegg_User
Fri Aug 02, 2019 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security -- Take it at 62, 67 or 70
Replies: 329
Views: 26968

Re: Social Security -- Take it at 62, 67 or 70

Having obtained my Retirement Matrix at the local office, I had already plugged in both the unchanged and reduced values at 2034: even with the reduced value, taking at 62 didn't give a breakeven at 62, but rather a date a bit past FRA. For us, needing to do Roth conversions anyway, I've already pas...
by Nestegg_User
Wed Jul 31, 2019 8:11 pm
Forum: Investing - Theory, News & General
Topic: A most curious question ... [What is target % of net income needed for retirement?]
Replies: 27
Views: 2960

Re: A most curious question ... [What is target % of net income needed for retirement?]

Sounds just like a typical teachers retirement system { Read any of the thousands of threads on those systems } Typically, at point in future, the teacher either annuitizes part or all of the funds in those accounts to give a monthly received deposit (COLA or not) for the poster. Those values are ju...
by Nestegg_User
Wed Jul 31, 2019 1:46 pm
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1356

Re: Travel German alpine and Swiss Alp. Please review

Consider Neuschwanstein (not too far south of Munich). He already mentioned Fussen...(although I'd have a hard time seeing getting from Oberammagau to Fussen all the way to Lindau based on the back roads you need to take to get to/from Fussen from those locations, at least with spending any time th...
by Nestegg_User
Wed Jul 31, 2019 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Death before Taxes are Due and No Heirs
Replies: 11
Views: 1269

Re: Death before Taxes are Due and No Heirs

Spirit.... taking out one mil out of account would no doubt incur some tax withholding on at least that subject to capital gains. https://www.irs.gov/taxtopics/tc307 (subject would have to state, incorrectly, to the institution that none was subject to tax (hence, fraud)). If none was, then the subj...
by Nestegg_User
Wed Jul 31, 2019 12:14 pm
Forum: Personal Investments
Topic: Revisiting Asset Allocation
Replies: 8
Views: 749

Re: Revisiting Asset Allocation

...twenty years is a looong way to go but you've got a very good start with that level of savings some good news is that you've already started 529's, which should grow at the 70/30 allocation, and that you should only need day care for another four years (although probably need some sort of after s...