Search found 406 matches

by ABQ4804
Sat May 25, 2019 11:45 pm
Forum: US Chapters
Topic: MEMORIAL DAY
Replies: 26
Views: 2641

Re: MEMORIAL DAY

Thank you, Taylor. Reminds me of my dad‘s memorial service at the National Cemetery, where he was appreciated once again.

And the line in the video, “clean up all the problems that our politicians start,“ resonates for me.
by ABQ4804
Sat Apr 27, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 87
Views: 4626

Re: Why I don't think I should get long term care insurance right now

Markcoop, I think your math error is in applying the 5% inflation rider to your PREMIUM. My understanding is that inflation rider only applies to you COVERAGE. Annual premiums stay the same each year, unless raised for everyone in your class of coverage. That’s the advantage of buying LTC earlier, w...
by ABQ4804
Mon Apr 22, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted living and nursing home expenses
Replies: 27
Views: 1836

Re: Assisted living and nursing home expenses

I also recommend moving her closer to you or another family member NOW, while she is still able to be moved. It’s not just to watch out for staff, but to witness her needs or declines, encourage participation in activities, chat with her doctors and staff, offer suggestions for favorite foods, cloth...
by ABQ4804
Thu Apr 11, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAcT - PSA on gouging
Replies: 14
Views: 1365

Re: TaxAcT - PSA on gouging

Do Taxhawk, freetaxusa and HRBlock software allow you to preview your forms before you pay? Or toggle back and forth from input to view forms? That was one of the advantages of TaxAct.
by ABQ4804
Thu Apr 11, 2019 3:59 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 102
Views: 11266

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Wovenhearts, you will probably want a rental car to make best use of your time. I sent you a PM
by ABQ4804
Thu Apr 11, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 102
Views: 11266

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Yay, I got in! Living on the West Coast, I thought I may miss out on an early morning announcement, so very happy to participate and share and gain wisdom with other Bogleheads. Thank you so much Mel and team, for your unending dedication to Jack’s principles. I really hope Taylor can attend also. S...
by ABQ4804
Wed Apr 10, 2019 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Resident of WA, selling Oregon home: do I pay additional taxes such as WA excise tax?
Replies: 7
Views: 531

Re: Resident of WA, selling Oregon home: do I pay additional taxes such as WA excise tax?

Sounds as if you have been an Oregon resident since you purchased the home in 2017, and you have probably been paying Oregon income tax for 2017 and 2018, right? Since the Oregon home is still your mailing address, it seems you are an Oregon resident, at lest for partial year 2019. Hope this is help...
by ABQ4804
Fri Apr 05, 2019 6:48 pm
Forum: Investing - Theory, News & General
Topic: 2019 Boglehead Contest Update--with leaders
Replies: 2
Views: 344

Re: 2019 Boglehead Contest Update--with leaders

It’s fun to check! About a month ago I found I was #2, and should have taken a screenshot. Now happily I have moved down in rank, because the market has continued to gain. Good news for all of us 💰, for now!
Thanks Taylor and Ralph, for this fun competition.
by ABQ4804
Fri Mar 29, 2019 12:36 am
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5509

Re: $480K, no job, special needs kids, what to do?

I agree with pursuing IHSS, In-Home Support Services through your county aging and disability services department. It’s not just for elderly adults. Look on your county website and start phoning and ask for that program. We have friends in Sacramento with a severely disabled adult child, in her late...
by ABQ4804
Mon Mar 18, 2019 10:30 am
Forum: US Chapters
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 35
Views: 9752

Re: 2019 BOGLEHEADS CONFERENCE DATES

Thank you Mel, and your team. Our hearts and prayers are with your teammate and their family, grieving their loved one’s passing.
by ABQ4804
Wed Jan 16, 2019 7:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 51506

Re: John Bogle is dead at 89

Amen! Another middle-class family here, now financially secure, thanks to Jack Bogle’s principles, integrity and unwavering campaign for low fees, index funds and giving the common person a fair shake. It was a gift to meet you, shake hands and thank you in person at a Bogleheads conference, Jack. RIP
by ABQ4804
Fri Jan 11, 2019 1:35 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 15449

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

Rarvesen, thank you for supporting all of us in putting together this fun contest! Entry deadline has passed, let the fun of our “calculations” begin.
by ABQ4804
Fri Jan 04, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 304
Views: 49115

Re: Improving the TSP [for current participants]

MichDad, thanks for posting the meeting notes here; I wouldn’t hunt them down on my own. One item of interest to me is on page 4 where it says there will no longer be a deadline for full withdrawal/withdrawal plan at age 70.5. This reads as good news to me; hopefully it means we can start our RMDs f...
by ABQ4804
Mon Dec 31, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1853

Re: Happy New Year Do you have plans?

Celebrating with neighbors, then our annual exercise of calculating our net worth and future financial goals using “Finish Rich” net worth worksheet, from David Bach’s books. An activity only Bogleheads would l👀k forward to!
by ABQ4804
Mon Dec 31, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: "pjtallman" Wins The 2018 Boglehead Contest
Replies: 12
Views: 1793

Re: "pjtallman" Wins The 2018 Boglehead Contest

Thank you Taylor, for running this fun Boglehead contest every year and announcing the winners! And my congratulations to anyone who made it in the top 10 during the crazy 2018!
Best wishes💰!
by ABQ4804
Fri Dec 28, 2018 12:54 am
Forum: Personal Investments
Topic: What to do with 1k check for 9 month old son?
Replies: 44
Views: 3049

Re: What to do with 1k check for 9 month old son?

Bmelikia, yes, Vanguard Star fund is a good choice; that’s what we used. It would be set up as Sonny Bmelikia – a minor. You can endorse the check for him as Rick Boglehead recommended above and mail it in. Note that your son will have full access to the funds at age 18, which is still pretty young....
by ABQ4804
Sat Dec 22, 2018 2:19 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11711

Re: My Christmas Present To You

Many blessings to you and your family, Taylor. And may you have a joyous Christmas with the Belgian family members. We love you 💜!
Alisa
by ABQ4804
Sun Oct 28, 2018 10:57 am
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 46
Views: 4034

Re: If On Medicare Before SS, How Do You Pay?

Pay with HSA funds - Medicare insurance premiums are approved expense.
by ABQ4804
Tue Aug 14, 2018 8:37 pm
Forum: US Chapters
Topic: Master Thread for Portland, Oregon
Replies: 146
Views: 52463

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: 1800

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: 2998

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: 2786

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: 167
Views: 15239

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: 167
Views: 15239

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

Victoria, you have now been overtaken by “badbreath”...
by ABQ4804
Tue Apr 03, 2018 9:49 am
Forum: US Chapters
Topic: Master Thread for Portland, Oregon
Replies: 146
Views: 52463

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: Personal Investments
Topic: Should I Pay Off My Mortgage When I Retire?
Replies: 49
Views: 4324

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: 124
Views: 17445

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: 5826

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: 21845

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: 167
Views: 15239

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: 42640

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: 304
Views: 49115

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: 304
Views: 49115

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: 2684

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: Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 22842

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: Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 22842

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: US Chapters
Topic: Master Thread for Portland, Oregon
Replies: 146
Views: 52463

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: 3088

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: 3853

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: 2219

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: 868

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: 304
Views: 49115

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: 304
Views: 49115

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: 35202

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: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 444
Views: 54508

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: US Chapters
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 25259

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.