Search found 201 matches

by Groundhog
Tue Oct 31, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 25040

Re: Iphone X is $1000

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...
by Groundhog
Thu Oct 26, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Ordering iPhoneX
Replies: 19
Views: 1750

Re: Ordering iPhoneX

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 ...
by Groundhog
Mon Aug 14, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 16005

Re: How far would you travel to see The Eclipse?

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. ...
by Groundhog
Mon Jul 10, 2017 12:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 33
Views: 5302

Re: Roll Call for the Retirement Class of 2018!

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...
by Groundhog
Wed Jul 05, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3055
Views: 902658

Re: What Movie Have You Recently Watched?

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...
by Groundhog
Wed Jun 21, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4258

Re: which IPAD?

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...
by Groundhog
Thu Jun 01, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 9835

Re: What Do You Pay for an Oil Change?

$0 - Free oil changes for life @ Subaru dealer.
by Groundhog
Wed May 03, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 13
Views: 1208

Re: Help with asset allocation

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...
by Groundhog
Tue Feb 21, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: TSP Advice
Replies: 14
Views: 883

Re: TSP Advice

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.
by Groundhog
Fri Jan 27, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 66
Views: 6041

Re: Verizon to Cricket or StraightTalk

As of today, Cricket's $40 plan ($35 with autopay) now includes 3gb high speed data before throttle.
by Groundhog
Fri Jan 27, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Life Expectancy Monthly Withdrawal formula
Replies: 5
Views: 912

Re: TSP Life Expectancy Monthly Withdrawal formula

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 Lifet...
by Groundhog
Fri Dec 09, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is US stocks going up too fast?
Replies: 21
Views: 2639

Re: Is US stocks going up too fast?

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...
by Groundhog
Fri Dec 09, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 Finance Changes for Me
Replies: 13
Views: 1588

Re: 2017 Finance Changes for Me

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...
by Groundhog
Fri Dec 09, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 Finance Changes for Me
Replies: 13
Views: 1588

Re: 2017 Finance Changes for Me

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...
by Groundhog
Mon Nov 14, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65
Replies: 4
Views: 966

Re: John Bogle Industry Icon Award & PBS Broadcast *Alert* - When I'm 65

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 an...
by Groundhog
Fri Aug 26, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849726

Re: What Book Are You Currently Reading? Part VI

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.
by Groundhog
Thu May 19, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawals
Replies: 14
Views: 1397

Re: Withdrawals

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...
by Groundhog
Tue Jan 26, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Timing of updates to SSA.GOV
Replies: 8
Views: 1402

Re: Timing of updates to SSA.GOV

I checked mine on 3/28/2015 and it had my 2014 data.
by Groundhog
Tue Dec 08, 2015 8:01 am
Forum: Personal Consumer Issues
Topic: exterior timer for Christmas lights
Replies: 10
Views: 907

Re: exterior timer for Christmas lights

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.
by Groundhog
Thu Dec 03, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: Ford Edge or Nissan Murano or Something Else
Replies: 24
Views: 2649

Re: Ford Edge or Nissan Murano or Something Else

Have you checked out Subaru Outback or Forester?
by Groundhog
Thu Nov 19, 2015 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom 10% cash back on Amazon, etc
Replies: 17
Views: 4254

Re: Chase Freedom 10% cash back on Amazon, etc

Thanks for the tip. I just received an email offer from AmEx for $15 back when you spend $60 or more @ Amazon.com.
by Groundhog
Mon Sep 28, 2015 11:10 am
Forum: Personal Consumer Issues
Topic: How late to visit Yellowstone?
Replies: 22
Views: 2791

Re: How late to visit Yellowstone?

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...
by Groundhog
Wed Aug 26, 2015 10:09 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849726

Re: What Book Are You Currently Reading? Part VI

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.
by Groundhog
Tue Aug 11, 2015 7:12 am
Forum: Personal Consumer Issues
Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
Replies: 55
Views: 6463

Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?

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. ...
by Groundhog
Mon Aug 03, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: Crab Grass
Replies: 33
Views: 4010

Re: Crab Grass

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 c...
by Groundhog
Thu Jul 23, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 3859

Re: Magazine Subscriptions

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

https://www.bogleheads.org/forum/viewtopic.php?t=112420
by Groundhog
Wed Jul 15, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 16617

Re: Are you going to shop on Prime Day?

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.
by Groundhog
Thu Jun 25, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 38279

Re: What ratio are you stocks/bonds and how old are you?

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.
by Groundhog
Mon Jun 15, 2015 1:53 pm
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 21220

Re: Gifting Money at Parties

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.
by Groundhog
Mon Jun 15, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Gifting Money at Parties
Replies: 220
Views: 21220

Re: Gifting Money at Parties

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.
by Groundhog
Fri May 22, 2015 7:23 am
Forum: Personal Consumer Issues
Topic: How much should I pay for a brand new car?
Replies: 14
Views: 3498

Re: How much should I pay for a brand new car?

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

https://www.bogleheads.org/forum/viewtopic.php?t=120958
by Groundhog
Wed Apr 29, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Automatic photo scanners
Replies: 7
Views: 1653

Re: Automatic photo scanners

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

Looks like it's $99 for approx 1800 prints @ 300dpi plus free USPS shipping.
by Groundhog
Wed Apr 22, 2015 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawal order in retirement ?
Replies: 12
Views: 1993

Re: Withdrawal order in retirement ?

I found the following paper from Vanguard helpful when thinking about portfolio withdraws during retirement. m Basically it says to use the following order: 1. RMDs from tax deferred assets (if applicable) 2. Cash flows (dividends, interest, capital gains distributions) from taxable assets (since yo...
by Groundhog
Fri Jan 30, 2015 5:13 pm
Forum: Personal Consumer Issues
Topic: Cricket Ups High Speed Data on Most Plans
Replies: 6
Views: 1039

Re: Cricket Ups High Speed Data on Most Plans

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.
by Groundhog
Thu Jan 29, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Feedback
Replies: 1
Views: 326

Re: Asset Allocation Feedback

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...
by Groundhog
Fri Jan 02, 2015 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 9880

Re: Today is a Good Day to fund the 2015 IRA

We funded ours today also. $6500 to total stock market and total international. I received my first paycheck of the year today also.
by Groundhog
Thu Jan 01, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 18854

Re: [Annual POLL] What was your 2014 return?

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%, Saving...
by Groundhog
Fri Dec 05, 2014 2:49 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 9376

Re: Someone tried to login to my vanguard account yesterday

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...
by Groundhog
Wed Dec 03, 2014 1:30 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 169
Views: 37969

Re: Paul Merriman

RunningRad wrote:Groundhog Day? ;)


Groundhog prefers TSM.
by Groundhog
Wed Dec 03, 2014 10:03 am
Forum: Personal Finance (Not Investing)
Topic: 2014 Taxcaster - Finally!
Replies: 26
Views: 6038

Re: 2014 Taxcaster - Finally!

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...
by Groundhog
Wed Dec 03, 2014 9:56 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 6632

Re: [Poll] What's Your Tax Prep Strategy?

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.
by Groundhog
Wed Nov 26, 2014 11:12 am
Forum: Personal Finance (Not Investing)
Topic: TSP Strategy for Contributing Participants Age 50 or Over
Replies: 5
Views: 1151

Re: TSP Strategy for Contributing Participants Age 50 or Ove

MichDad, thanks for the tip. Just wanted to mention that my organization has 27 pay periods in 2015 (perhaps others do to). To maximize regular TSP contributions while avoiding the loss of matching contributions you need to divide by 27 for 2015. $18000/27= $667 per pay (will be $658 for pp 27). Cat...
by Groundhog
Fri Nov 21, 2014 3:11 pm
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 19719

Re: Vanguard launches new offering ... [Vanguard merchandise

Didn't even get my order in yet and both baseball caps are sold out!
by Groundhog
Mon Nov 17, 2014 11:53 am
Forum: Personal Consumer Issues
Topic: How often do you go out to dinner?
Replies: 60
Views: 8663

Re: How often do you go out to dinner?

I voted 3. Normally Wednesday, Saturday and Sunday. The weekend meals are normally during the afternoon and take care of lunch and dinner.
by Groundhog
Fri Nov 07, 2014 12:28 pm
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 6808

Re: What do you set your thermostat to (in F)?

Not much love for the odd numbers in the survey.

67º winter, 74º summer