Search found 387 matches

by ABQ4804
Tue Aug 14, 2018 8:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

Mikey, this thread is current - read the Portland meeting schedule 4 posts above yours.
by ABQ4804
Sun Jul 29, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much emergency cash when retired?
Replies: 24
Views: 1725

Re: How much emergency cash when retired?

Do you have long-term care insurance? You are only in your 70s, I would leave a lot more than $200K for your future care and paying caregivers; one can run through $200K pretty quickly! Don’t know where you live, but having $800K equity tied up in a house is huge in most locations; your equity is lo...
by ABQ4804
Sat Jul 28, 2018 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 2824

Re: Home Addition Finance

Hopefully you can be patient, stay put and pay off the family student loan in the next couple years as others have suggested. During this time, another more attractive house on your dream street may come on the market, and you could just sell and move rather than the hassle of remodel. Someone else ...
by ABQ4804
Sat Jul 28, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: AAA & AARP = Travel Benefits?
Replies: 27
Views: 2607

Re: AAA & AARP = Travel Benefits?

Our family also uses AARP exclusively for best car rental prices, at least domestically. Make car reservation months in advance, then check website again right before travel; often there’s a price drop and you can make a fresh reservation. 🚙
by ABQ4804
Fri May 04, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 12301

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Victoria, today you have overcome "bad breath"
and are again in 1st place!
Congrats!
by ABQ4804
Fri Apr 27, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 12301

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Victoria, you have now been overtaken by “badbreath”...
by ABQ4804
Tue Apr 03, 2018 9:49 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

Welcome, rynlee! Meetings are quarterly, 2nd Tuesdays of March, June, Sept and December. So pencil in June, and the member who organizes will post the announcement in this thread. I’ve learned some nugget of financial strategy at each meeting. Sometimes there is a presentation, and our routine is to...
by ABQ4804
Mon Feb 26, 2018 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 49
Views: 4057

Re: Should I Pay Off My Mortgage When I Retire?

MichDad, curious what you decided now that you approach that retirement finish line. Are you paying off the $22K mortgage?
by ABQ4804
Mon Feb 19, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12364

Re: Single People and Retirement Question

The challenge of traveling as a solo woman, especially in mideastern countries, is not as much about sexual harassment as cultural biases.
by ABQ4804
Sat Feb 10, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5625

Re: Can I afford to move to a lower paying career?

Yes on #2 if wife also supports. The teaching position will be important - a shot in the arm and new option for you, or as a transition to full retirement whenever you choose. Yes, you have enough $ to retire now, but the teaching position gives you some structure and identity rather than just jumpi...
by ABQ4804
Mon Jan 29, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 209
Views: 19259

Re: Federal Retiree Health Care with/Medicare

Maybe this has already been mentioned, but Medicare B premiums can be paid with your HSA account savings, if you have one. That can help a retiree’s cash flow.
by ABQ4804
Mon Jan 01, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 12301

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2822.69 is my random guess - already submitted using the new 2018 form, to spreadsheet.
by ABQ4804
Fri Dec 29, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 40683

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

It’s nice to have grossly underestimated the stock market gains and been one of the losers this year! Landed in about the middle of the pack. Thank you Taylor for organizing this for us again.
by ABQ4804
Wed Dec 20, 2017 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42990

Re: Improving the TSP [for current participants]

Haha - “a Roth in-Plan conversation” - what a pun! Yes, a conversation about this is exactly what we need. Thanks for sharing verbatim, MichDad.
by ABQ4804
Tue Dec 19, 2017 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42990

Re: Improving the TSP [for current participants]

By the way, in addition to the changes made by the new law, we’re also adding the ability to specify how much of your withdrawal should be Roth and how much should be traditional; withdrawals currently come out pro rata from both sources. Thanks for posting this additional text - this is great news...
by ABQ4804
Fri Dec 01, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 2567

Re: I met my first Retirement Savings goal

Wow - congrats! That is no chump change, especially at age 27. I know many of us arrived at Bogleheads after many years of poor financial choices and speculation gone bad - we did! You are well on your way to financial independence by learning in your 20’s.
by ABQ4804
Thu Oct 19, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 20880

Re: TSP to Vanguard?

Per that high percentage of money invested in the G fund, originally the G find was the default for the agency match, and for any employees who did not specify their asset allocation. As we know, many employees are paralyzed by fiscal or retirement account choices. So that is part of the high G fund...
by ABQ4804
Sun Oct 08, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 20880

Re: TSP to Vanguard?

Several Bogleheads on this forum have taken the one large withdrawal transfer TSP to Vanguard, as retiredjg suggested, and left a remainder in the TSP and G fund. Then you can do Roth conversions into Vanguard funds every year until age 70. Finally, one can transfer the remaining IRA balance at Vang...
by ABQ4804
Tue Aug 29, 2017 4:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

I checked Ling Garden website and they reopen in December, so may be possibility for future 2018 meetings - and no 18% gratuity added to our meal bills. We liked meeting at Ling Garden also. Maybe alternate from SE to NW? as we had 60+ on the PDX Bogleheads mailing list and could reach more people 😊...
by ABQ4804
Wed Aug 09, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2962

Re: Warm Place for Thanksgiving family reunion

Puerto Rico. Some friends took a spontaneous vacation there when they didn't receive passports back for a planned trip to India - you don't need a passport for Puerto Rico and they had a nice family vacation, didn't waste their vacations from work. Have fun! PS Whoops - just saw your mention of havi...
by ABQ4804
Mon Jul 31, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 3684

Re: Filling bookshelves cheaply

I agree about looking phony. I'm a professor, too -- over 20 years in -- and if I saw a new tenure-track professor having an office full of random books on her/his shelf I'd wonder what else is phony, too... Don't buy books just for show. In my opinion, it diminishes books. And you. In my office I ...
by ABQ4804
Sat Jun 24, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Two potential job offers and buying time - please help!
Replies: 13
Views: 2103

Re: Two potential job offers and buying time - please help!

I would not tell either company about the interest from the other company, and keep both interview processes moving forward. See if you get two offers, then choose the one that is best for you. If you get one offer, and it seems the second company is lagging, you could contact them and say, hey, I h...
by ABQ4804
Sat Jun 24, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: Federal Retirement Readiness Review...FREE
Replies: 3
Views: 788

Re: Federal Retirement Readiness Review...FREE

I would stay away - nothing is really free. It says it's a 3-part assessment with part 3 a 1-hour phone meeting. I expect they will want you to transfer your hefty TSP balance to them with grand ideas how you can increase your assets and pay their fees. Not to be cynical, but we went to one of the t...
by ABQ4804
Mon Apr 10, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42990

Re: Improving the TSP [for current participants]

Remember it took the TSP Board about 4? years to implement Roth TSP once authorized. If approved, these changes may not come quickly!
by ABQ4804
Fri Apr 07, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 42990

Re: Improving the TSP [for current participants]

MnD wrote: The monthly payment option (which is counted as a "full withdrawal") can be set at anywhere between $25 a month and the full account balance, and changed annually. For someone following a X% of annual portfolio balance withdrawal strategy it's actually pretty handy. Yes, but for anyone w...
by ABQ4804
Mon Apr 03, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 33650

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

My check is in the mail in yellow envelope with Vanguard (clipper ship) postage stamp for speedy delivery! Maybe the leaders could change to a lottery enrollment system for the 2018 conference? I suggest one pool for those who have attended before, and another pool for "newbies" to encourage first t...
by ABQ4804
Sat Mar 04, 2017 11:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 441
Views: 49527

Re: Your USER NAME...what does it mean?

cfs wrote: My first post in over six months. My initials and user name are cfs.
cfs, nice to see you are back on the forum. I always enjoy your cheerful, positive contributions. Very interesting origin of your user name, also!
by ABQ4804
Tue Feb 21, 2017 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 24228

Re: Sad News About a Respected Forum Member

LadyGeek, if you follow the link, you could post a brief comment on the memorial page website, I think.
by ABQ4804
Tue Feb 21, 2017 3:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 24228

Re: Sad News About a Respected Forum Member

Lee Evans Marshall passed away on January 27th in Williamsburg, VA. This is likely our friend, Old Meph.

http://www.bucktroutfuneralhome.net/obi ... -marshall/
by ABQ4804
Thu Jan 26, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Life Expectancy Monthly Withdrawal formula
Replies: 5
Views: 1215

Re: TSP Life Expectancy Monthly Withdrawal formula

It's probably similar to how the RMDs are calculated; I'd check the IRS website for the referenced formula. This is copied from the TSP website, Withdrawing your TSP Account: "Life Expectancy. You may request to have the TSP calculate your monthly payment for you using the Internal Revenue Service's...
by ABQ4804
Thu Jan 26, 2017 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 14286

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday, Taylor! My prayers for your continued good health and strong energy. You are the core of the Bogleheads community; we cherish you in so many ways. Hope your 94th year is full of joy. Thank you for your continuing wisdom, patience and integrity.
by ABQ4804
Sat Jan 14, 2017 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Cardinal Sin - went to cash the day before 2016 election
Replies: 56
Views: 7436

Re: Cardinal Sin - went to cash the day before 2016 election

Don't beat yourself up for that decision - most of us arrived here with some poor financial decision(s) in our past also! I'd go with the recommendation to jump back into a balanced portfolio, lifestyle or target date fund, since you indicated a balanced portfolio was what you were invested in befor...
by ABQ4804
Fri Jan 13, 2017 4:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 24228

Re: Sad News About a Respected Forum Member

Appreciate you, Old Meph! Know that you will be well remembered here for your kindness and contributions. I wish you and your family peace in the days ahead.
by ABQ4804
Sun Jan 01, 2017 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

Welcome, nwffdiver! Please send me a PM with your direct email and I will add you to the mailing list. A new chapter coordinator has volunteered to rotate in, and will organize our next meeting in March.
by ABQ4804
Fri Dec 16, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 6471

Re: Personal fulfillment in retirement

What is "SVR"? Stolen Vehicle Recovery? Suppressed Voltage Rating? wikipedia lists SVR as the Foreign Intelligence Service of the Russian Federation :D . I bet in this case it should have been SWR, Sustainable Withdrawal Rate of retirement savings…! Enjoying following these posts and learning what ...
by ABQ4804
Wed Dec 14, 2016 12:13 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 6166

Re: TSP Allocations 43 yr old

I'm pretty sure that a federal employee has to retire on an immediate annuity in order to retain FEHB health benefits into retirement. This is a very important federal retirement issue. Check on the OPM website to validate the rules on continuing FEHB, rather than depending on our Boglehead opinions...
by ABQ4804
Tue Dec 13, 2016 1:29 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for Graduate School
Replies: 33
Views: 2691

Re: How to pay for Graduate School

Something to think about!
by ABQ4804
Mon Dec 12, 2016 7:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

One discussion topic will be our "Final Letter of Instruction" for when we are incapacitated or die. I will bring copies of Taylor Larimore's list, that he shared on this forum in September. We also have some Vanguard bling and Bogle books as party favors tomorrow night. You are welcome to bring any...
by ABQ4804
Mon Dec 05, 2016 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 6166

Re: TSP Allocations 43 yr old

Here is the link: http://www.npr.org/2015/10/17/436993646 ... portfolios About half way down Mr. Bogle gives his allocation recommendations based on age including Social Security. Rad-1, thanks for the link to the NPR article and Jack Bogle recommendations. I hadn't seen the bar graph of stock/bond...
by ABQ4804
Mon Dec 05, 2016 9:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45116

Re: Master Thread for Portland, Oregon

We meet again next Tuesday, December 13, 6:30pm in SE Portland. NEW LOCATION: Carmella's Wines, 1320 SE Water Avenue , Portland 97214. About 1/2 mile north of OMSI, north of the Hawthorne Bridge, between SE Main and Madison Streets (Same location as our September meeting was.) Ask or look for the "B...
by ABQ4804
Mon Oct 31, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Visit Fairbanks, Alaska to see Northern Lights?
Replies: 10
Views: 1710

Re: Visit Fairbanks, Alaska to see Northern Lights?

There are at least 2 websites that forecast the brightness of the northern lights, based on climate data. One is University of Alaska Fairbanks and other aurora-service; google them, as there may be others. Fairbanks is a good location because it is so dark, and a small town. Farmer's Loop Road circ...
by ABQ4804
Sat Sep 17, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 5046

Re: HSABank: How to withdraw money and reflect it in taxes?

I agree, this is a great thread for many of us in the same position, and there are some really good strategies posted here! Thanks for starting this, Victoria.
by ABQ4804
Sat Sep 17, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 5046

Re: HSABank: How to withdraw money and reflect it in taxes?

Even though you don't have to, I make withdrawals in the exact amount of each expense and in the notes put the insurance claim number. I figure if I ever get audited it will be very clear what each transaction represents (but I also withdrawal as I go). Are you with HSA Bank? We just use the HSA cr...