Search found 165 matches

by trudy
Tue Mar 12, 2013 3:32 pm
Forum: Personal Consumer Issues
Topic: Credit Cards [Bad Experience]
Replies: 40
Views: 5260

Re: Credit Cards [Bad Experience]

Change your name. Having family members with the same name complicates things, especially when the fAmily member has bad credit. JT My brother married a woman with the same first name as mine. Worse, for awhile as they were divorcing he lived in my house. Credit bureaus, it turns out, cross referen...
by trudy
Tue Mar 12, 2013 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: To continue to fund an IRA or not?
Replies: 10
Views: 855

Re: To continue to fund an IRA or not?

Watty wrote: when you are much older and the RMD's start getting large.


RMDs decrease with time, unless money is being put into the IRA or it's earning a lot.
by trudy
Tue Mar 12, 2013 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k rollover now sitting in Prime Money Mkt - now what?
Replies: 20
Views: 1708

Re: 401k rollover now sitting in Prime Money Mkt - now what?

You can still monitor it without having it all in one fund. Excel is not hard to learn to do adequate stuff in it. I have an Excel spreadsheet with entries for each individual thing I want to monitor. I update it a few days into each month, since that's when interest posts on the CDs. As it happens,...
by trudy
Tue Mar 12, 2013 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 3446

Re: Father considering cashing out 401K early -- market fear

You might ask your Dad what he plans to put his money into if he withdraws it and takes the tax hit. Unless it's his mattress, he could instead, if he's determined to do this, do a trustee-to-trustee transfer into credit union or bank IRA CDs or whatever safer thing he's aiming for. Five year CDs ar...
by trudy
Tue Mar 12, 2013 9:17 am
Forum: Personal Consumer Issues
Topic: Lionel Trains and your Crystal Ball
Replies: 21
Views: 2498

Re: Lionel Trains and your Crystal Ball

I had a sudden desire to acquire a train set, but then I remembered that I'm getting rid of stuff. I went over to ebay, typed in Lionel, and pieces are going for 2 or 3 digits. If I were you, I'd keep enough for a small setup and sell the rest. If you don't want the ebay hassle, there are businesses...
by trudy
Tue Mar 12, 2013 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Cost - Is Agent upset he lost auto business
Replies: 13
Views: 2049

Re: Umbrella Cost - Is Agent upset he lost auto business

Take a look at AMICA. They may be slightly higher in premiums (don't forget to factor in the member refund) but they have superb customer service. State Farm turned my hair gray (well, not really) during a flood insurance claim some years ago, while AMICA was super when I had a hydroplaning accident...
by trudy
Tue Mar 12, 2013 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 5935

Re: Ally bank rate reduction to 0.84%

ProfessorX wrote:Since the economy is supposedly "on the rise" when are rates going to start "moving up"?


[Political and economic policy comment removed by admin LadyGeek]
by trudy
Tue Mar 12, 2013 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Free Credit Score
Replies: 2
Views: 393

Re: Free Credit Score

Digital Federal Credit Union emails (in their secure email system) free Experian credit scores monthly to its members.
by trudy
Mon Mar 11, 2013 10:33 pm
Forum: Personal Consumer Issues
Topic: Prudential sent my info to someone else
Replies: 26
Views: 3036

Re: Prudential sent my info to someone else

I actually think this is a kind a scam. Not a scam with your information, but a scam to get you sign up with a credit bureau. My kid in college got a letter similar to this that the 1098-T tuition tax information thingie..... got sent to someone else, but they are not sure who did and did not get t...
by trudy
Mon Mar 11, 2013 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Amend for $1? [Poll] [Fix tax return, Schedule K-1]
Replies: 17
Views: 2545

Re: Amend for $1? [Poll] [Fix tax return, Schedule K-1]

I read up on K-1s. How is it that they don't know how many they can expect to get?
by trudy
Mon Mar 11, 2013 7:17 pm
Forum: Personal Consumer Issues
Topic: Prudential sent my info to someone else
Replies: 26
Views: 3036

Re: Prudential sent my info to someone else

Google has this coming up for Unisys. Is any other company affected? How could this happen, were addresses off by 1 or something. And why on earth would an insurance company send out that much data to an individual, especially by email.
by trudy
Mon Mar 11, 2013 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Brand New to Investing- Lost
Replies: 37
Views: 3958

Re: Brand New to Investing- Lost

How old are you?
by trudy
Mon Mar 11, 2013 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Nationwide money market prime/Gartmore what is it doing?
Replies: 3
Views: 381

Re: Nationwide money market prime/Gartmore what is it doing?

UK data? Nationwide is a UK bank/ building society. Gartmore a UK fund manager. Sounds simply like they have not loaded the data. Also money market funds by definition should have NAV per unit of $1.00 (in the USA). The rest is paid out to investors, as I understand it. This is Nationwide the insur...
by trudy
Mon Mar 11, 2013 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - A Cautionary Tale
Replies: 15
Views: 3486

Re: Treasury Direct - A Cautionary Tale

Examples of lax security procedures include questions based on "the name of your high school mascot" (easily acquired online if you have basic biographical information on an account holder) and "what is your social security number?" (a prime target for identity thieves). Even wi...
by trudy
Mon Mar 11, 2013 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Nationwide money market prime/Gartmore what is it doing?
Replies: 3
Views: 381

Nationwide money market prime/Gartmore what is it doing?

I'm sorting through funds for my friend whom I mentioned in another thread, and in the list her 457 manager, Nationwide, has on the web, is Nationwide money market prime "formerly Gartmore money market prime." I am puzzled about this. In the performance of funds list on the Nationwide site...
by trudy
Mon Mar 11, 2013 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Help With Lowering my Taxes?
Replies: 3
Views: 537

Re: Help With Lowering my Taxes?

Did you deduce medical expenses (insurance premiums, etc.)? Charitable contributions?
by trudy
Mon Mar 11, 2013 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent Income Tax Refunds
Replies: 20
Views: 2170

Re: Fraudulent Income Tax Refunds

There is no way that anyone could look at both returns and think that they were sent by the same person. The automated IRS system simply processed the 1st return it received (due the refund) and then processed our paper return when it was received. It makes no sense to me how this would not set off...
by trudy
Mon Mar 11, 2013 10:17 am
Forum: Personal Finance (Not Investing)
Topic: My former financial advisor-do I have any recourse?
Replies: 38
Views: 4200

Re: My former financial advisor-do I have any recourse?

I'm obsessive about keeping an offline Excel record of my accounts each month. Which means I browse around in each account at least that often. It is actually kind of fun, as you can see how you're doing from month to month, including tightening up spending. Schwab charged me a closing fee for each ...
by trudy
Mon Mar 11, 2013 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Any of you Bogleheads NOT going to retire?
Replies: 35
Views: 4834

Re: Any of you Bogleheads NOT going to retire?

My Dad is an architect, still working in his seventies. He says most architects do their best work late in life. He says he will never retire, although he may become more selective about the work he takes on. I have seen this with a lot of artists, not so much in business. For him this has really s...
by trudy
Mon Mar 11, 2013 4:54 am
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 8508

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

red5 wrote:
nisiprius wrote:a) Seamless connection between Vanguard mutual fund accounts and VBS accounts.

+1


It took me awhile to get used to the twinned accounts. Now I don't notice it so much, but I would prefer everything in one account for each type (Trad. ira, roth, etc.)
by trudy
Mon Mar 11, 2013 4:49 am
Forum: Investing - Help with Personal Investments
Topic: 28, new to investing, what would you do with my 3k tax retur
Replies: 12
Views: 1364

Re: 28, new to investing, what would you do with my 3k tax r

I also normally think maxing into IRAs is a good policy. But the interest rate on that student loan is horrifying. I haven't been following the student loan situation except to glance at articles in the news and note that there are some oddities about them, but is it not possible to refinance that o...
by trudy
Mon Mar 11, 2013 4:33 am
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 6892

Re: "Strategic divorce" for tax-purposes for 2 physicians

Can we keep this thread to issues regarding tax advantages/disadvantages, malpractice issues, and asset issues? The tax advantage is zero, and you're opening up yourself and your wife to charges of tax fraud with the associated penalties. Let me repeat: Pub 504: "Exception. If you and your spo...
by trudy
Mon Mar 11, 2013 4:26 am
Forum: Investing - Help with Personal Investments
Topic: How do you estimate dividends for tax purposes?
Replies: 7
Views: 915

Re: How do you estimate dividends for tax purposes?

I just use the stuff from last year's return, but I don't have a lot of stuff in taxable, and my things are fairly sedate. I just looked at Vanguard Wellesley on Vanguard's site, and the quarterly dividends are almost uniform, but the short and long term capital gains both came just in December. Int...
by trudy
Sun Mar 10, 2013 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 6892

Re: "Strategic divorce" for tax-purposes for 2 physicians

The kid(s) would never need to know. Of course, records of divorces and marriages aren't published in the newspapers, and no one you know is going to find out and throw the information in the rumor mill. I can just see the kids being asked at school out of the blue about their parents' divorce. The...
by trudy
Sun Mar 10, 2013 4:43 pm
Forum: Personal Consumer Issues
Topic: Giving away a couple of Lexmark printer cartridges
Replies: 8
Views: 998

Re: Giving away a couple of Lexmark printer cartridges

This is probably a long shot, but... I have one each of Lexmark cartridges #41 and #42 that I bought for a printer that has since gone to printer heaven. I would hate for them to go to waste. If you have a use for them, let me know and I'll send 'em your way. Free of charge, of course. Jeff A non-p...
by trudy
Sun Mar 10, 2013 4:37 pm
Forum: Personal Consumer Issues
Topic: Casual Wardrobe Advice Wanted
Replies: 65
Views: 13138

Re: Casual Wardrobe Advice Wanted

I would get more than three shirts. Otherwise you're going to be doing laundry too often. LLBean has some nice stuff, but they think all women are short. (I know that MM is not a woman, I am just raising a flag.) LLBean has no idea how to size clothes for a tall woman (they just lengthen the legs), ...
by trudy
Sun Mar 10, 2013 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: "Strategic divorce" for tax-purposes for 2 physicians
Replies: 47
Views: 6892

Re: "Strategic divorce" for tax-purposes for 2 physicians

Hey honey, let's get a divorce. We can save 3% of our income, minus the attorneys' fees.

Yes, I can see this going over well.
by trudy
Sun Mar 10, 2013 2:54 pm
Forum: Personal Consumer Issues
Topic: Scammed [on Craigslist]: I feel like a fool (and dumb)
Replies: 14
Views: 5869

Re: Scammed : I feel like a fool (and dumb)

tc101 wrote:You are not dumb. You are not a fool. You are a crime victim.


Exactly.

I am not sure paypal is any better. I bought something on ebay a few years ago, never received it, and got no help from paypal.
by trudy
Sun Mar 10, 2013 12:27 pm
Forum: Personal Consumer Issues
Topic: Where And How Do You Carry Your Cell Phone?
Replies: 61
Views: 4309

Re: Where And How Do You Carry Your Cell Phone?

investomajic wrote:I keep my iphone in my right front pocket. I do not have a case on it.


i wonder if the no-case thing is why my brother's cell phone occasionally decides it's lonely and phones me without my brother being aware of it.

This is why I have a clamshell.
by trudy
Sun Mar 10, 2013 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Career Change - RN-NP vs. PA
Replies: 26
Views: 5203

Re: Thanks again

I realize that this is almost two years old, but I'm curious how your career exploration turned out? Did you decide to pursue the BSN or PA route? I've noticed a few health-care/ career change threads lately, and as someone contemplating a similar change, I'm curious to learn more about others' exp...
by trudy
Sun Mar 10, 2013 10:16 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 93
Views: 11486

Re: Any Minimalists on here?

I'm getting rid of more and more stuff as I get older. It only takes being an executor or watching someone else being an executor and, after charitable donations or recycling things, having three dumpsters of her Mom's stuff taken away to decide not to do that to your survivors. It does take a few ...
by trudy
Sun Mar 10, 2013 10:08 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 93
Views: 11486

Re: Any Minimalists on here?

Too many books. OK, 10-year-old travel books really should go. Much of the fictions could go. Non-fiction we won't possibly read again... should go. You may know this already, but libraries often take used books to sell at book sales and get money to buy new books. Also flea markets or thrift store...
by trudy
Sun Mar 10, 2013 9:57 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 93
Views: 11486

Re: Any Minimalists on here?

I'm getting rid of more and more stuff as I get older. It only takes being an executor or watching someone else being an executor and, after charitable donations or recycling things, having three dumpsters of her Mom's stuff taken away to decide not to do that to your survivors. It does take a few c...
by trudy
Sun Mar 10, 2013 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Helaine Olen: Pound Foolish
Replies: 73
Views: 15386

Re: Helaine Olen: Pound Foolish

I wouldn't be so quick to discount her arguments. The median household income in the US is around $50,000. If you have kids and a mortgage and are working in a job where your income hasn't gone up in the past few years, how much are you really going to be able to put away for retirement? For your k...
by trudy
Sun Mar 10, 2013 8:27 am
Forum: Personal Consumer Issues
Topic: Where And How Do You Carry Your Cell Phone?
Replies: 61
Views: 4309

Re: Where And How Do You Carry Your Cell Phone?

This is why women carry purses :-)

However, when I go out walking, I carry my cell phone, which is quite small, in my pocket, just in case I keel over or something.
by trudy
Sat Mar 09, 2013 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mathematicians or statisticians here? Seeking your advice
Replies: 70
Views: 8434

Re: Mathematicians or statisticians here? Seeking your advic

Some (uniformly-distributed) random thoughts: Thought #1 One great piece of advice I heard about switching careers for your "passion" was that you should audition the job first. Yes. Back in the day, I ran a programming group. This was so long ago, people learned on the job. More than onc...
by trudy
Sat Mar 09, 2013 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing RMD
Replies: 8
Views: 1100

Re: Investing RMD

I haven't worked out the implications of the qualified charitable distribution feature for required distributions, since I'm not at that age yet, but possibly that applies to your situation.
by trudy
Sat Mar 09, 2013 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Am I financially ready to buy this house?
Replies: 40
Views: 2908

Re: Am I financially ready to buy this house?

I was a landlady once, and would never be again. In my state, at least, if you wind up with a bad tenant or a tenant who goes bad, it is an expensive, nerve-wracking long drawn out mess to get them out, with ups and downs as you sink money into legal stuff and then at the last minute they come up wi...
by trudy
Sat Mar 09, 2013 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: savings account [Looking for higher interest rates]
Replies: 25
Views: 5139

Re: savings account

Digital Federal Credit Union is offering 0.85% at that balance for their Ltd Savings account. They don't mess with their rates very often.
by trudy
Sat Mar 09, 2013 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to do Withholding
Replies: 3
Views: 452

Re: Best Way to do Withholding

I generally have had an amount withheld from pay so that we owe very little to the Feds and state. I have come to understand that this is sub-optimal, and the best thing to do is have very little withheld so that the money that will be owed can be invested. What do you do? I think if you underpay b...
by trudy
Sat Mar 09, 2013 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Getting mortgage in 6 mths. Should I get a new credit card?
Replies: 14
Views: 1398

Re: Getting mortgage in 6 mths. Should I get a new credit ca

Since no one else has answered, I looked on the Equifax site. This page gives some hints: m Among other things it says: # Ratio of balances to credit limits on revolving accounts is too high # Length of time accounts has been established is too short # Too many accounts with balances I would take th...
by trudy
Sat Mar 09, 2013 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 457 advice for not a knowledgable investor
Replies: 17
Views: 1391

Re: 457 advice for not a knowledgable investor

I should have been clearer. She turns out to have both a 457 and a 401(a). I think she is managing her finances very well, minimal debt, thinking about things, just has this black hole of knowledge about her 457 and 401(a) investment options. She actually has them both invested in a money market acc...
by trudy
Sat Mar 09, 2013 1:07 pm
Forum: Investing - Theory, News & General
Topic: Admiral Funds
Replies: 23
Views: 2598

Re: Admiral Funds

Can someone explain to me the difference between a fund with admiral shares and a regular mutual fund? Thank you. This is too short a time frame to be indicative of much, but I looked back at my monthly records. I own both types of shares in Wellesley. (My account balance in one account is less tha...
by trudy
Sat Mar 09, 2013 11:57 am
Forum: Personal Finance (Not Investing)
Topic: So how long will I live? How long do I plan for?
Replies: 55
Views: 5506

Re: So how long will I live? How long do I plan for?

My financial plan is I have to consider the possibility that I will live forever. Well, into the 90s or even longer. Anything else opens up the cardboard box possibility.

Longevity varies all over the board in my family. Even if it didn't, you never know.
by trudy
Sat Mar 09, 2013 11:44 am
Forum: Personal Finance (Not Investing)
Topic: how much leverage in buying a house?
Replies: 13
Views: 2369

Re: how much leverage in buying a house?

Just laughing at myself here. I bought my first house when I was young and jobs were plentiful (thank you, no longer existing American Savings & Loan for renting to a girl buying a house by herself, almost unheard of at the time.) Prices were climbing rapidly, so I didn't want to wait; even savi...
by trudy
Sat Mar 09, 2013 11:33 am
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 3132

Re: I'm 23 and moving out, should I get a credit card?

I can't believe how many of you are saying "get one for emergencies." What a ridiculous statement! Build up an emergency fund of at least 3-6 months in a money market account, never to be touched except for an emergency. Don't rely on a credit card for that. Credit cards will bite you mor...
by trudy
Sat Mar 09, 2013 11:29 am
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 3132

Re: I'm 23 and moving out, should I get a credit card?

I say NO!! I would not get a credit card. I regret getting a credit card when I was in my twenties. It's too easy to have something come up and not make that full payment to pay it off at the end of every month. There isn't anything a credit card can do that a debit card can't do. If you're really ...
by trudy
Sat Mar 09, 2013 11:20 am
Forum: Personal Consumer Issues
Topic: Hey, Vanguard has hired me! [Payment for taking survey]
Replies: 28
Views: 6499

Re: Hey, Vanguard has hired me!

hicabob wrote:
JDaniels wrote:$50 per hour rate. Not bad :D

tax-free I assume?


I'm guessing this is self-employment and so below the reporting threshold. :-)
by trudy
Sat Mar 09, 2013 11:17 am
Forum: Investing - Help with Personal Investments
Topic: 457 advice for not a knowledgable investor
Replies: 17
Views: 1391

Re: 457 advice for not a knowledgable investor

I'm still chatting away with my friend. She has a 401(a). I read up on these and realized I have an area of ignorance. I turned my 401ks into traditional IRAs when I left jobs, because I wanted to control them myself. The latter, of course, have mandatory minimum distributions at 70 1/2 plus maybe a...
by trudy
Sat Mar 09, 2013 6:57 am
Forum: Personal Consumer Issues
Topic: grass trimmer?
Replies: 18
Views: 2273

Re: grass trimmer?

Thanks, folks.