Search found 20 matches

by rama13
Mon May 01, 2017 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: Best SCV to choose from?
Replies: 14
Views: 1914

Re: Best SCV to choose from?

I'm guessing you mean RZV, which is my choice. In the future, you might want to include names instead of tickers, since most people don't have those memorized.
by rama13
Sat Apr 29, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to efficiently move HSA funds from one custodian to another
Replies: 5
Views: 475

Re: How to efficiently move HSA funds from one custodian to another

I just did this a couple weeks ago...

Just tell Optum you want to cancel your account (there's a form on their website for it). They will mail you a check. Then deposit that check with your new custodian, and tell them it's a one-time rollover (you're limited to one per 365 days). No fees...easy.
by rama13
Wed Apr 19, 2017 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Refinance to 15 Yr Mortgage
Replies: 12
Views: 1581

Re: Refinance to 15 Yr Mortgage

Closing costs are too high. Pick a different rate, or find a better lender.
by rama13
Wed Apr 05, 2017 11:56 pm
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1448

Re: Selling A Semi-Valuable Vehicle

I've found CarMax to be quite reasonable.
by rama13
Mon Apr 03, 2017 3:52 am
Forum: Personal Finance (Not Investing)
Topic: Extension of Federal Tax Return
Replies: 12
Views: 814

Re: Extension of Federal Tax Return

Yes, that looks right. No need to file.
by rama13
Tue Mar 14, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Transfer into TSP?
Replies: 18
Views: 815

Re: IRA Transfer into TSP?

I used to do this every year I had a deductible TIRA contribution. Those days are behind me now, but it works just fine. No fees from Vanguard, and there's no reason to close the IRA account. Just transfer everything every year over to TSP. As another poster said...make sure that you're able to dedu...
by rama13
Sun Mar 12, 2017 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with I-Bond / EE-Bond Contribution Limits
Replies: 1
Views: 263

Re: Help with I-Bond / EE-Bond Contribution Limits

You can also get another $5k of paper I-bonds through your tax refund. You just need to overpay your taxes. At this point in the year, it's probably easiest to do this with a Form 4868 payment, but you can set up 1040-ES payments or more W-4 withholding for future years.
by rama13
Sat Sep 03, 2011 10:21 pm
Forum: Personal Consumer Issues
Topic: Best showerhead?
Replies: 38
Views: 8515

I just don't get the appeal for handheld showers. I can't stand them.
by rama13
Fri Aug 05, 2011 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Beware VBS account reinvestment settings
Replies: 18
Views: 1893

The default reinvestment setting irritated me too. I wish they would have asked me when I setup the account or when I bought the security or something.
by rama13
Sat Jul 16, 2011 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Joining Penfed union. Need help.
Replies: 12
Views: 1925

If you're a student, join SAME (Society of American Military Engineers) for free. Otherwise join NMFA (National Military Family Association) for $20.
by rama13
Tue Jun 21, 2011 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Life planning help - nursing - military - masters program
Replies: 11
Views: 1447

Joining the military so you can buy a house is ludicrous! In your first few years, you'll move quite often. You really won't have time to work on your master's degree until you're a few years in. Also, doing any career you know you're not going to enjoy doesn't make much sense. I suggest you really ...
by rama13
Mon Jun 20, 2011 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone ever heard of "DU Refi Plus" loan
Replies: 4
Views: 489

Re: Anyone ever heard of "DU Refi Plus" loan

The bank says that's okay, that I can still avoid paying the PMI, because I qualify for a DU Refi Plus loan which does not affect any of the terms of the loan or closing costs we had agreed upon and there are no other strings attached. It's Desktop Underwriter. Basically it's a way to streamline th...
by rama13
Mon Jun 20, 2011 6:53 am
Forum: Personal Consumer Issues
Topic: Kindles: Special Offers +Sponsored Screensaver Edition?
Replies: 9
Views: 2039

I bought the Kindle with special offers. The ads are very unobstrusive. The only time you see them is when you go into standby (which I have a case, so I don't really look at the screensaver), and at the bottom of the home screen (which you really never spend any time in, unless you're selecting a d...
by rama13
Sat Jun 04, 2011 3:28 pm
Forum: Personal Consumer Issues
Topic: could you overlook this? [bad employee behavior]
Replies: 68
Views: 8559

I would counsel the employee about her performance. Specifically tell her what she's doing inappropriately. Then tell her she has 3 weeks to improve (or whatever is compatible with your HR policies). This protects you slightly, because you're giving her a chance to fix the problems. And, you might j...
by rama13
Tue May 31, 2011 2:53 pm
Forum: Investing - Theory, News & General
Topic: Equal weight within portfolio
Replies: 47
Views: 3713

Ultimate Buy&Hold

It looks like you might be interested in the Ultimate Buy & Hold Portfolio. If you do this, also take a look at this version that takes 8 of those slices and turns them into 4.
by rama13
Sun May 29, 2011 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Switched from Fed to Non-Profit. Leave money in TSP?
Replies: 9
Views: 1004

If the TSP is already meeting your investment needs, I'd keep it.
by rama13
Sat May 28, 2011 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: VFITX or VBIIX
Replies: 7
Views: 1799

I only own the Treasuries for simplicity, and I feel that corporate bonds have a higher correlation with equities so I stick purely to Treasuries in my fixed-income allocation.
by rama13
Sat May 28, 2011 8:52 pm
Forum: Investing - Theory, News & General
Topic: Which Vanguard bond funds are you currently using, and why?
Replies: 96
Views: 17485

50% Vanguard Intermediate-Term Treasury (VFITX)
30% Vanguard Short-Term Treasury (VFISX) and TSP G Fund
20% Vanguard Inflation-Protected Securities (VIPSX)
by rama13
Mon May 16, 2011 2:52 am
Forum: Personal Finance (Not Investing)
Topic: Safest SUV
Replies: 63
Views: 6346

You didn't mention your price range, but I would consider the Acura MDX.
by rama13
Sun May 15, 2011 2:14 am
Forum: Personal Consumer Issues
Topic: Appliances for grinding beef at home?
Replies: 12
Views: 1617

If you're interested in something that will last, and that can do some serious multitasking, you really should look at a food processor. They are amazing. I've used mine to "grind" my own beef, and it makes great burgers and meatloaf.

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