Search found 39 matches

by nomas
Wed Nov 01, 2017 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 14977

Re: 2018 ACA rates now live....

Of course the 2018 ACA rates are live...and... despite doing all kinds of pre-work over the course of the last two weeks because this is my first time with the ACA...CoveredCA can't freaking validate my Identity . Not my income , which is where most people get hung up. My identity . Despite having ...
by nomas
Sun Oct 29, 2017 8:20 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15447

Re: What was the main reason you retired?

Not to hijack the thread, but those who answered that they disliked the job makes it a bit sad. Great you have enough to do what you want AFTER spending 30+ years doing something you disliked. Seems that one wasted a LARGE portion of their youth just to make money that they may or may not take adva...
by nomas
Sat Oct 28, 2017 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15447

Re: What was the main reason you retired?

In order of importance, #4, #1, and #9. Number 4 was by far the main reason I retired. If I enjoyed my job I would have continued to work despite having more than enough in investments to retire.
by nomas
Sat Sep 09, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30468

Re: Is a security freeze at Innovis really needed?

I want to thank everyone who replied.

DaftInvestor, I'm going to place a freeze at ChexSystems too.

Student, the link you provided to http://www.creditinfocenter.com/wordpre ... it-bureau/ was very helpful!
by nomas
Sat Sep 09, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30468

Re: Is a security freeze at Innovis really needed?

TdF Fan, JMacDonald, DaftInvestor, and gtd98765, thank you for your replies. You've convinced me, I'll go ahead and
place a freeze at Innovis.
by nomas
Sat Sep 09, 2017 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 70
Views: 30468

Is a security freeze at Innovis really needed?

A number of Bogleheads have recommended placing a security freeze with Innovis in addition to Equifax, Experian, and TransUnion. In regards to a security freeze, the FTC website lists the big three credit reporting companies but not Innovis. https://www.consumer.ftc.gov/articles/0497-credit-freeze-f...
by nomas
Fri Jul 14, 2017 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Fees, back-end loads, sales charges.....
Replies: 13
Views: 781

Re: Fees, back-end loads, sales charges.....

The prospectus for the Deutsche Latin America Equity Fund C (SLAPX) states that it has a 2.48% net annual expense charge which includes a 1% 12b-1 fee. It has a 1% back-end load so it looks like you will pay 1% of the redemption value of the shares sold. I would not continue to hold this fund.
by nomas
Tue Feb 21, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 49
Views: 7337

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

We use VBILX for some of the reasons noted in the previous replies (no MBS or long-term bonds, and the higher percentage of corporate bonds). We combine it with the Short-Term Bond Index (VBIRX) to shorten the overall duration. The Short-Term fund does hold a higher percentage of US government bonds...
by nomas
Mon Feb 20, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another IRS Form 1116 (Foreign Tax Credit) Question
Replies: 7
Views: 1079

Re: Another IRS Form 1116 (Foreign Tax Credit) Question

Hi kaneohe,
I agree with your inclination and will leave the HSA contribution deduction on line 3b. Thank you.
by nomas
Mon Feb 20, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Another IRS Form 1116 (Foreign Tax Credit) Question
Replies: 7
Views: 1079

Re: Another IRS Form 1116 (Foreign Tax Credit) Question

Hi livesoft,
Thank you for your reply. I removed the entry for the HSA contribution on Line 3b. This increased my FTC by $81. I think that for that amount of money, I'll leave the HSA contribution deduction on LIne 3b and pay the additional $81 in taxes.
by nomas
Mon Feb 20, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Another IRS Form 1116 (Foreign Tax Credit) Question
Replies: 7
Views: 1079

Another IRS Form 1116 (Foreign Tax Credit) Question

I’m looking for help with IRS Form 1116 (Foreign Tax Credit), Line 3b (other deductions). My foreign income is solely from mutual fund dividends. I’m using H&R Block 2016. Form 1116 is treated differently than the other forms in that the program does not automatically populate all of the pertine...
by nomas
Mon Jan 09, 2017 5:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 22208

Re: Sad News About a Respected Forum Member

Old Meph, thank you for your contributions to the Bogleheads. I always enjoyed your posts and learned quite a bit from them. May God bless and comfort you.
by nomas
Fri Dec 16, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How much cash do you keep?
Replies: 103
Views: 11144

Re: Retirees: How much cash do you keep?

As recommended in "Unveiling the Retirement Myth" by Jim Otar, we keep 2-years worth of annual expenses in a money market fund and 3-years worth of annual expenses in a short-term bond fund.
by nomas
Wed Aug 24, 2016 5:34 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 8244

Re: Aug. 2017 US total eclipse hotel reservations.

I just got a hotel reservation for the eclipse in Columbia, SC. A lot of the hotels in that area are already fully booked. I saw the last total solar eclipse visible in the southeastern US in 1970 and ever since then I've wanted to see another one.
by nomas
Tue Jul 19, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, at what age did you "retire"? Is it working out?
Replies: 63
Views: 11670

Re: Early retirees, at what age did you "retire"? Is it working out?

Hi all, I'm interested in hearing about when some of you "retired" (semi-retiring would count in my opinion) and how you managed to do so early, especially if you have kids and live in a HCOL area. I know it's mainly about saving a ton and living below your means, but did achieving this r...
by nomas
Sun Jul 10, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: Windows 7 updates for broker fraud protection
Replies: 28
Views: 3094

Re: Windows 7 updates for broker fraud protection

Dual wrote: It said that it fixed all the problems--no error code. Unfortunately the registry fix "wufix.reg" is only good for the Windows update error 0x80070057. Other than letting Windows Update run a long time, I don't know what to suggest when the Windows Update Fix It tool states th...
by nomas
Sun Jul 10, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: Windows 7 updates for broker fraud protection
Replies: 28
Views: 3094

Re: Windows 7 updates for broker fraud protection

Dual,
Regarding the problem with your second Windows 7 computer, when you ran the Windows Update Fixit program did it show the same Windows update error (0x80070057) as with the first computer or did it report another error code?
by nomas
Sat Jul 09, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Windows 7 updates for broker fraud protection
Replies: 28
Views: 3094

Re: Windows 7 updates for broker fraud protection

I had the same problem with Windows 7 update and when I ran the Windows Update Fixit it reported the same error (Windows Update error 0x80070057). I followed the instructions at m and it fixed the problem. I've copied and pasted the instructions from that site below. Just like it shows below, you ha...
by nomas
Sun Dec 20, 2015 9:21 pm
Forum: Personal Consumer Issues
Topic: How much do you spend on groceries?
Replies: 109
Views: 10036

Re: How much do you spend on groceries?

Two adults - this year we've spent about $700 per month on groceries / wine and $400 per month on restaurants. We're working on decreasing the restaurant spending because more often than not we come out feeling that the food and service was not worth the cost.
by nomas
Thu Sep 24, 2015 2:49 pm
Forum: Personal Consumer Issues
Topic: Rotted Sill - Options?
Replies: 15
Views: 2875

Re: Rotted Sill - Options?

Another vote for Bondo. We had two window sills with rotted sections. Our painter removed the rotted wood and repaired the defects with Bondo. After the Bondo cured and he painted the sections, the windows look as good as new.
by nomas
Thu Aug 20, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 6684

Re: Non-Retirees: Scared about retirement?

Prior to retirement my greatest fear was developing a major chronic illness or dying before I had the chance to enjoy an active retirement. Fortunately, my wife and I were able to retire in our late 50s with no significant health issues. We have really enjoyed our retirement thus far.
by nomas
Mon Jun 29, 2015 6:28 pm
Forum: Personal Consumer Issues
Topic: The Amalfi Coast: Next April
Replies: 21
Views: 3078

Re: The Amalfi Coast: Next April

My sister and her husband just returned from Amalfi. They stayed at the Hotel Marina Riviera and loved it.
by nomas
Fri Jun 26, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 38455

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

My wife and I are in our late 50s. Retired. No pension.

Target asset allocation:
Stocks: 35%
Bonds/5-yr CD ladder/Cash: 65%

The percentage in stocks is currently higher due to stock market gains but we don't plan to rebalance until stocks reach 50%.
by nomas
Thu Jun 18, 2015 5:45 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 19223

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

No. We always lived below our means and have used Vanguard funds since the 1980s. We retired in our late 50s when we looked at our prior four years of expenditures and realized that the most we had spent in any one year during that time period was equal to a 2.5% withdrawal rate, with the other year...
by nomas
Mon Dec 22, 2014 10:21 am
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 10191

Re: Do you have or recommend a Financial Only PC?

I have an older computer running Window 7 and I only use it when accessing my bank, credit card, and investment accounts, and also the Social Security website. When I'm not accessing the accounts the computer is turned off.
by nomas
Thu Sep 25, 2014 4:12 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation and Safe Withdrawal Rate
Replies: 1
Views: 572

Asset Allocation and Safe Withdrawal Rate

Dirk Cotton has an interesting article, "Asset Allocation in Smidges and Dollops" (9/23/14) on asset allocation and SWR on his website, The Retirement Cafe.

http://theretirementcafe.blogspot.com/
by nomas
Thu Sep 18, 2014 2:05 pm
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 8070

Re: iOS 8 update available today

Updated my iPad2 without any problems.
by nomas
Sat May 03, 2014 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Free credit score for Cap One Quicksilver cardholders
Replies: 13
Views: 3912

Re: Free credit score for Cap One Quicksilver cardholders

When I read some of the fine print regarding the Credit Tracker offer I thought it stated that the credit score is generated from the information contained in the TransUnion credit report. It may not be the actual TransUnion credit score.
by nomas
Sun Dec 01, 2013 9:57 am
Forum: Personal Consumer Issues
Topic: A screwy Mac
Replies: 24
Views: 1923

Re: A screwy Mac

I'm running Mac OS 10.6 Snow Leopard so I don't know if this applies if you're using a newer operating system. You can try repairing permissions, performing a Safe Boot, and then restarting your computer. 1. Start the computer and login to the administrator account. If you only have one account it i...
by nomas
Fri Aug 13, 2010 8:40 pm
Forum: Personal Consumer Issues
Topic: Security Updates For Windows XP are Failing - Why?
Replies: 18
Views: 3819

The automatic security updates failed on two of my computers running Windows XP SP3, the first time its ever happened on either machine. I was able to install the updates manually using Microsoft Update.
by nomas
Wed Jun 09, 2010 4:13 am
Forum: Personal Consumer Issues
Topic: Where to eat in D.C.
Replies: 31
Views: 3527

Another vote for Ray's the Steaks in Arlington. Its a short walk from the Courthouse Metro station. I recommend getting a reservation if you decide to go.
by nomas
Thu Feb 19, 2009 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets ETF (VWO) foreign tax credit
Replies: 6
Views: 1959

Thank you livesoft, Al, and bc3x for your replies! I have received 1099-div forms from Vanguard and VBS. I also received the "Foreign Tax Paid Reporting Information" for my international mutual funds (Total International and Tax-Managed International) but nothing from VBS regarding the Emerging Mark...
by nomas
Thu Feb 19, 2009 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets ETF (VWO) foreign tax credit
Replies: 6
Views: 1959

Emerging Markets ETF (VWO) foreign tax credit

I have been unable to find the 2008 foreign tax paid reporting information on the Vanguard Emerging Markets ETF (VWO), or the mutual fund (VEIEX) for that matter, at the Vanguard website. I called Vanguard and despite speaking to a mutual fund representative and a brokerage representative, I was una...
by nomas
Thu Jan 01, 2009 7:15 pm
Forum: Personal Consumer Issues
Topic: Vanguard thumbs nose at Mac users
Replies: 47
Views: 7741

Jeff, you're right. I waited a few seconds and the pdf did appear. Thanks.
by nomas
Thu Jan 01, 2009 6:43 pm
Forum: Personal Consumer Issues
Topic: Vanguard thumbs nose at Mac users
Replies: 47
Views: 7741

I disabled the pop-up blocker in Safari and I was still unable to download a prospectus. For now it looks like I'll have to stay with Firefox.
by nomas
Thu Jan 01, 2009 5:44 pm
Forum: Personal Consumer Issues
Topic: Vanguard thumbs nose at Mac users
Replies: 47
Views: 7741

I've had the same problem with Mac OS X & Safari at the Vanguard website. I installed the Firefox browser and it works well at the Vanguard site.
by nomas
Sat Mar 29, 2008 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Are we vulnerable to hackers?
Replies: 9
Views: 2100

Although I think it is highly unlikely that a Vanguard account could be accessed by a hacker, I nevertheless have blocked internet access to my accounts. I find it a minor inconvenience to use the automated telephone service or to speak with a Vanguard representative.
by nomas
Sat Oct 27, 2007 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need morale support please!!
Replies: 64
Views: 14815

Hi Zoey, I mentioned the Vanguard FundAccess program because you wrote in your original post: "Unfortunately we couldn't transfer in kind because there were funds that VG wouldn't accept." It appeared that you wanted to do an in-kind transfer but you were told you couldn't do it. You also ...
by nomas
Sat Oct 27, 2007 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Need morale support please!!
Replies: 64
Views: 14815

Hi Zoey, I wonder why you were told that Vanguard could not accept any of the funds in your current account. It appears that several American Funds (Class A and C) are available for purchase within a Vanguard Brokerage acccount through their FundAccess program. If you go to the Vanguard website, the...