Search found 383 matches

by alisa4804
Fri May 04, 2018 11:52 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11171

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Victoria, today you have overcome "bad breath"
and are again in 1st place!
Congrats!
by alisa4804
Fri Apr 27, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11171

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Victoria, you have now been overtaken by “badbreath”...
by alisa4804
Tue Apr 03, 2018 9:49 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

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 alisa4804
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: 3842

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 alisa4804
Mon Feb 19, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 11721

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 alisa4804
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: 5110

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 alisa4804
Mon Jan 29, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17316

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 alisa4804
Mon Jan 01, 2018 10:43 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 154
Views: 11171

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

2822.69 is my random guess - already submitted using the new 2018 form, to spreadsheet.
by alisa4804
Fri Dec 29, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 38130

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 alisa4804
Wed Dec 20, 2017 2:21 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41130

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 alisa4804
Tue Dec 19, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41130

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 alisa4804
Fri Dec 01, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: I met my first Retirement Savings goal
Replies: 26
Views: 2361

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 alisa4804
Thu Oct 19, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 127
Views: 19390

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 alisa4804
Sun Oct 08, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 127
Views: 19390

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 alisa4804
Tue Aug 29, 2017 4:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

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 alisa4804
Wed Aug 09, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: Warm Place for Thanksgiving family reunion
Replies: 27
Views: 2776

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 alisa4804
Mon Jul 31, 2017 10:32 pm
Forum: Personal Consumer Issues
Topic: Filling bookshelves cheaply
Replies: 56
Views: 3535

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 alisa4804
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: 2005

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 alisa4804
Sat Jun 24, 2017 5:45 pm
Forum: Investing - Theory, News & General
Topic: Federal Retirement Readiness Review...FREE
Replies: 3
Views: 745

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 alisa4804
Mon Apr 10, 2017 10:28 am
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41130

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 alisa4804
Fri Apr 07, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 243
Views: 41130

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 alisa4804
Mon Apr 03, 2017 10:19 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 32406

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 alisa4804
Sat Mar 04, 2017 11:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 408
Views: 43878

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 alisa4804
Tue Feb 21, 2017 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23488

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 alisa4804
Tue Feb 21, 2017 3:00 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23488

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 alisa4804
Thu Jan 26, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Life Expectancy Monthly Withdrawal formula
Replies: 5
Views: 1125

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 alisa4804
Thu Jan 26, 2017 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 12948

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 alisa4804
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: 7334

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 alisa4804
Fri Jan 13, 2017 4:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 23488

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 alisa4804
Sun Jan 01, 2017 4:27 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

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 alisa4804
Fri Dec 16, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 6310

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 alisa4804
Wed Dec 14, 2016 12:13 am
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 5874

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 alisa4804
Tue Dec 13, 2016 1:29 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for Graduate School
Replies: 33
Views: 2537

Re: How to pay for Graduate School

Something to think about!
by alisa4804
Mon Dec 12, 2016 7:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

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 alisa4804
Mon Dec 05, 2016 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocations 43 yr old
Replies: 47
Views: 5874

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 alisa4804
Mon Dec 05, 2016 9:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

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 alisa4804
Mon Oct 31, 2016 8:36 pm
Forum: Personal Consumer Issues
Topic: Visit Fairbanks, Alaska to see Northern Lights?
Replies: 10
Views: 1598

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 alisa4804
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: 4701

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 alisa4804
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: 4701

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...
by alisa4804
Fri Sep 16, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 4296

Re: No matching on Roth?

I think there is some IRS rule or some regulation against matching a Roth 401k. The federal TSP Thrift Savings Plan also offers an employer match, but when an employee contribution is to the Roth TSP/401k account, the match still goes into the regular pretax TSP/401k account. Hope this helps; I don'...
by alisa4804
Mon Sep 12, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in FSA account
Replies: 14
Views: 1297

Re: Too much in FSA account

Make sure you check current rules for your FSA before loading up on over the counter purchases for sunscreen, bandages etc. I know the rules have changed on what is acceptable for FSA purchases, different than it was a few years ago. That Fsastore.com website has a reference to 2011 rules, so may be...
by alisa4804
Mon Sep 12, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in FSA account
Replies: 14
Views: 1297

Re: Too much in FSA account

Have any international travel planned? You could get your shots updated. Some are expensive!
by alisa4804
Mon Sep 12, 2016 3:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 135
Views: 40291

Re: Master Thread for Portland, Oregon

Update: we will be in the "Farm Table" room at Carmella's, as another larger group will be in the fireplace room. Please join us Tuesday evening!