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Groundhog

I am officially retired! I worked half a day today and celebrated by going out for lunch with my wife at our favorite restaurant. The goodbyes with my coworkers was the toughest part. After we got home I was about to cut the grass (part of my Friday routine) and it started pouring down rain. Oh well...

Groundhog

Thanks, I'll have to check it out myself.

Groundhog

Thanks. Here's a link to the pdf. https://www.advisorperspectives.com/art ... -bogle.pdf

Groundhog

Our deck boards make a popping or cracking sound when it get down in the mid teens or lower. Normally happens after it's dark and can be rather loud.

Groundhog

I originally got Speck Presidio clear cases. But after reading around some more, I also placed an order for Caudabe Lucid Clear cases (crystal for me, rose gold for the wife). I'll keep whichever we like better. If you're interested, Caudabe is offering 25% off with the code MacMike2017, or 20% off...

Groundhog

Another protip: you may want to order a Tmobile phone even if you are an ATT customer. This is because the Tmobile phone is compatible with ATT, but apple does not verify a Tmobile account like it does with other providers. This means there's one less step to go through. I have Cricket and it does ...

Groundhog

When I was much younger my spouse, kids and I drove from the mid-Atlantic to Nova Scotia. It was an awesome experience (nothing at all like a partial, or even an annular), and is safely tucked away in my memory to be taken out and enjoyed all over again when a reminder occurs, as it has now. Nice. ...

Groundhog

Wow, I can’t believe I am writing this. 2008/2009 was a tough time for us with three major issues going on. We weathered all three and around 2014 I came up with a retirement date of 8/31/2018 which I am still on track for. I will be 56 at that time. Having a loved one with Alzheimer’s makes you rea...

Groundhog

Paterson Paterson is a good-hearted, low key bus driver in Paterson, New Jersey and has a very predictable, unswerving routine. He does have one passion: in snippets of free time he writes poetry. Paterson meets some intriguing characters during his prescribed days that add charm to this subtle and...

Groundhog

I've had my iPad 2 (32gb wifi) since 2011 and have used it pretty much every day. Amazing it has lasted that long but needless to say it's ready to be replaced. I placed an order for the iPad Pro 10.5" 256gb wifi model from B&H Photo. It's not in stock yet but hopefully will be soon. No sales tax wa...

Groundhog

$0 - Free oil changes for life @ Subaru dealer.

Groundhog

To get more in Vanguard Total International you could hold one Roth IRA in Total International and the other in Total Stock Market. That would lessen the need of I Fund in the TSP and move more to C/S Fund. That's what we do. Also, holding TSP G, C, S, and I funds in your TSP works great for re-bala...

Groundhog

You need to look at your portfolio asset allocation across all accounts if you have more than just TSP (like IRA’s, taxable or other 401k type accounts). My wife and I both have TSP accounts. Mine is G 77%, C 12%, S 4%, I 7%. Hers is G 100%. Overall though we are 50/50. Looking to retire in 2018.

Groundhog

As of today, Cricket's $40 plan ($35 with autopay) now includes 3gb high speed data before throttle.

Groundhog

Per form TSP-70 Request for Full Withdrawal... If you choose to have the TSP compute your payments, we will use the IRS Single Life Table, Treas. Reg. 1.401(a)(9)-9, Q&A 1 (for participants who are under age 70 after June 30 of the calendar year when payments are calculated) or the Uniform Lifetime ...

Groundhog

2417.17

Groundhog

Whelp, I'm 31. I'd like to retire at about 60. For the next 29 or so years, I'm gna contribute as much as I can to retirement accounts, tick my AA towards the conservative side as the years go by, and hopefully at the right time I've got a decent sized portfolio. In the meantime I'll not worry abou...

Groundhog

How would you setup at 90/10 AA between TSP and a Roth IRA...when you can only pop in $5,500/year? We put the max in our Roth IRAs each year. I use Total International and my spouse has Total Stock Market. I also max out TSP each year with all new monies going to what ever is under weighted (mostly...

Groundhog

Another nice reason to use the TSP G (and or F), C, S, and I Funds is for rebalancing (personally I use G, C, S and I). We have (2) TSP accounts, (2) Roth IRA accounts plus Taxable but I only need to use my TSP account to rebalance our entire portfolio. A spreadsheet tells me what % I need in each o...

Groundhog

Per the article, Mr Bogle is also still working on his books... Bogle, author of about a dozen books, said there are plans to update his 2007 The Little Book of Common Sense Investing. "A new version will be out in 2017 with some info on retirement investing and asset allocation, the 10-year anniver...

Groundhog

G Fund rate bumped up to 1.625% for September.

Groundhog

Taking a brief break from Stephen King and now reading "The Mailman" by Bentley Little. The local mailman commits suicide and when the new mail carrier arrives all kinds of strange things start happening.

Groundhog

My “portfolio” consists of my taxable accounts and my tax advantaged accounts (IRAs/TSP). My checking account is not considered part of my portfolio. Anything that moves into my portfolio is a contribution. Anything moving out of my portfolio is a withdrawal. At the end of the year, if withdrawals a...

Groundhog

I checked mine on 3/28/2015 and it had my 2014 data.

Groundhog

2243.16

Groundhog

Groundhog

I use timers inside and out year round for various tasks. I use Intermatic timers with astronomical features which automatically adjust sunrise/sunset times along with DST.

Groundhog

Have you checked out Subaru Outback or Forester?

Groundhog

Thanks for the tip. I just received an email offer from AmEx for $15 back when you spend $60 or more @ Amazon.com.

Groundhog

I went to Yellowstone/Grand Tetons for the first time last Fall. I believe I left around 9/25 and got back 10/6. Roadtrip from California. Beautiful. Definitely cold at night and early morning, with a few brief snow showers. It was a fantastic experience, but I was about 7-10 days too late for peak...

Groundhog

Currently reading Stephen King's "'Salem's Lot". This is the 3rd Stephen King novel I've read. I started with "Under the Dome" then decided to go back to the beginning and read "Carrie" and plan to go forward from there.

Groundhog

abuss368 wrote:The new fund has launched!

Vanguard announcement: https://personal.vanguard.com/us/insigh ... t-A-082015

Groundhog

Looking at Fuelly.com for a 2013 Subaru Forester (non-turbo) you are definitely on the low end of the scale. http://www.fuelly.com/car/subaru/forester/2013?engineconfig_id=17&bodystyleconfig_id=&submodel_id= My spouse has a 2008 Legacy 2.5i and gets in the low 20's with mostly city driving. As other...

Groundhog

I've had good luck killing crabgrass with Bayer Crabgrass Killer for Lawns http://www.bayeradvanced.com/find-a-product/lawn-care/crabgrass-killer-for-lawns . Don't confuse the above with Bayer All-In-One Lawn Weed & Crabgrass Killer . This one may help with the weeds but doesn't do much on the crabg...

Groundhog

Check with your library system to see if they have free magazine access through Zinio.

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Groundhog

Tried to buy an item this morning when it went on sale @ 7:50am. At 7:52am is was already sold out. Oh well. http://Jet.com opens for business next week.

Groundhog

Our average age: 56 and currently 54/46.

Will be moving to 50/50 at retirement in 2018 and holding there.

50/50 seems a popular choice for retirement.

Groundhog

letsgobobby wrote:Here's another factor. First weddings receive a lot more than second. Kind of like having a baby shower for your third baby. Taaaaacky.

My wife was just invited to a baby sprinkle for a couple's second baby.

Groundhog

We recently attended a nephew's wedding. We gave $250 and plan to give the same to other nephews/nieces in the future. Small or large wedding, expensive or not, or whether we attend or not probably wouldn't affect what we give.

Groundhog

2% under invoice with Subaru VIP program. I used it when I ordered my 2014 Forester in 2013.

viewtopic.php?t=120958

Groundhog

I've never used them but have considered doing so... http://www.scanmyphotos.com/services/ph ... nning.html

Looks like it's $99 for approx 1800 prints @ 300dpi plus free USPS shipping.

Groundhog

I found the following paper from Vanguard helpful when thinking about portfolio withdraws during retirement. https://personal.vanguard.com/pdf/s557.pdf Basically it says to use the following order: 1. RMDs from tax deferred assets (if applicable) 2. Cash flows (dividends, interest, capital gains dis...

Groundhog

Thanks, I was upgraded in September from 500mb to 1gb and now to 2.5gb with no increase in price ($35 mo). We have been happy with our service.

Groundhog

Hopefully others will chime in. One thing I see is having Total Bond in taxable is not appropriate for someone in the 33% fed tax bracket. See http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement . Intermediate tax Exempt Bond Fund would be better in taxable if there aren't bett...

Groundhog

We funded ours today also. $6500 to total stock market and total international. I received my first paycheck of the year today also.

Groundhog

2302.15

Groundhog

Groundhog Annual Report 2014 2014 Return: 4.92% Asset allocation: 56/44 (actual) 53/47 (plan) US 69%, Int'l 31% (actual) 67/33 (plan) US: TSM 65%, TSP C & S Funds: 35% (3:1 ratio C:S) Int'l: FTSE All World ex US 43%, Total Int'l 41%, TSP I Fund 17% Bonds: TSP G Fund 75%, Muni 9%, TIPS 7%, Savings Bo...

Groundhog

Vanguard has this posted today about the new security feature... https://personal.vanguard.com/us/insights/article/logon-security-122014 It mentions this about aggregate services... A word about aggregation services You may experience issues using financial aggregation tools, such as Mint.com, CashE...

Groundhog

RunningRad wrote:Groundhog Day?

Groundhog prefers TSM.

Groundhog

Thanks for the info, Alan. Good to see that they have fixed the LTCG/QDIV bug that appeared to apply 15% to all of that amount, instead of just the overflow above the 15% bracket. Thanks, I was messing around with this last week and knew something wasn't right. I'll have to try it again. I'm trying...

Groundhog

I used TurboTax for many years before moving to H&R Block software. Last year I moved to TaxACT as it was less costly. I just bought the 2014 TaxACT Deluxe w/state for $18.99. I also use TaxCaster (by TurboTax) to estimate taxes for possible T-IRA conversions to Roth IRA.

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