Search found 2735 matches

by GerryL
Thu May 28, 2020 8:38 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 22
Views: 1627

Re: Face mask recommendations

I've made and bought several models. Have to admit the bought ones are better than the designs I made. I bought several from FastShipFaceMask.com that are comfortable, even though they tweaked the design and fabric between the two orders. I also like what is called a 3d structured design (NOT 3d pri...
by GerryL
Mon May 25, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5488

Re: At what moment does retirement begin?

How did that feel to you, when you crossed the line from being part of the team for so long, then becoming a visitor? It really hit home that I was no longer part of the Megacorp family a few days later on the weekend. I had signed up to volunteer at a big outdoor event put on by the company, and w...
by GerryL
Fri May 22, 2020 6:21 pm
Forum: Personal Investments
Topic: Can retirement be this simple?
Replies: 31
Views: 4293

Re: Can retirement be this simple?

It can be that simple, but one thing you want to add to the plan if you haven't already. Have a plan to track your spending.
Knowing how much you need for expenses and how much you spend each month/year will go a long way towards a financially secure retirement.
by GerryL
Thu May 21, 2020 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: [Advantage to not taking this year's RMD?]
Replies: 6
Views: 345

Re: [Advantage to not taking this year's RMD?]

If you are taking the standard deduction (not itemizing) it would seem to be to your benefit to do the QCD from your IRA to your charity to reduce your taxable income.
by GerryL
Thu May 21, 2020 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Still Nagging Us to Renew?
Replies: 7
Views: 661

Re: Quicken Still Nagging Us to Renew?

Or you can upgrade to the latest (subscription-based) version of Quicken but turn off automatic renewal. Then you will get access to updates and online services for the year. As my Quicken 2017 was heading to non-support stage, I bought a copy of Quicken on Amazon. (They sometimes have a deal that o...
by GerryL
Wed May 20, 2020 8:40 pm
Forum: Personal Investments
Topic: Suggested Portfolio from Vanguard PAS
Replies: 16
Views: 897

Re: Suggested Portfolio from Vanguard PAS

retired@50 wrote:
Wed May 20, 2020 8:35 pm
northshore160 wrote:
Wed May 20, 2020 8:08 pm

40% VGTSX (International)
Is this a typo? I don't see this ticker on the Vanguard website.

Regards,
Vanguard Total Intl Stock Index Inv (VGTSX)
by GerryL
Wed May 20, 2020 8:20 pm
Forum: Personal Investments
Topic: Suggested Portfolio from Vanguard PAS
Replies: 16
Views: 897

Re: Suggested Portfolio from Vanguard PAS

40% of stock in International is the standard Vanguard recommendation. Since you appear to be 100% in stock, that translates to 40% of total.
by GerryL
Tue May 19, 2020 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: FTC: Free credit reports weekly?
Replies: 5
Views: 420

Re: FTC: Free credit reports weekly?

TravelGeek wrote:
Tue May 19, 2020 12:40 am
See viewtopic.php?t=312562
And I searched for the story before posting. Really. :?
Interesting that the press release on the FTC site was just dated yesterday.
by GerryL
Mon May 18, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: FTC: Free credit reports weekly?
Replies: 5
Views: 420

FTC: Free credit reports weekly?

Just saw this announced in a Facebook post and checked it out. Looks legit. FTC announced today that " … everyone is eligible to get free weekly credit reports from the three national credit reporting agencies: Equifax, Experian, and Transunion. To get your free reports, go to AnnualCreditReport.com...
by GerryL
Fri May 15, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable donations from IRA
Replies: 11
Views: 525

Re: Charitable donations from IRA

I am using QCDs (qualified charitable distributions) from my IRA to keep my income below the IRMAA threshold so my Medicare premiums don't go up. Using QCDs -- that is, having the check from the IRA made out directly to the charity -- you will see a tax benefit from your giving even if you take the ...
by GerryL
Fri May 15, 2020 6:54 pm
Forum: Personal Investments
Topic: What to do with RSUs and stock?
Replies: 30
Views: 1693

Re: What to do with RSUs and stock?

I also worked for a big tech company in the upper left. Over the years I built up a too-large stash of stock through ESPP and RSUs (I did sell options when they vested.) I'm 6 years into retirement and still have more company stock than I'd like, but the tax consequences of getting rid of them are n...
by GerryL
Fri May 15, 2020 6:38 pm
Forum: Personal Investments
Topic: [Tax issues - Sell before transfer, or transfer in kind?]
Replies: 8
Views: 743

Re: Does it Matter

This forum has been a great wealth of information. I am looking to transfer my IRA that is very stock heavy over to a 3 fund portfolio at Vanguard. Are there any particular tax advantages/disadvantages for selling the stocks before the transfer? Or should I just do a transfer in like kind and then ...
by GerryL
Fri May 15, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

Early on in this -- mid March -- I set up and prepaid for a Seine River cruise in late September with the optimistic forecast that there was a 50/50 chance it would happen. In the last few days I have adjusted the outlook to 75/25 that it will NOT happen. Travelers from the US may not be allowed int...
by GerryL
Thu May 14, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: Anyone booking flights for 2021 travel?
Replies: 27
Views: 2346

Re: Anyone booking flights for 2021 travel?

I've booked a cruise for 2021, but not flights. I will wait on the flights to see how things "shake out" with the pandemic. Ditto. My cruise is for July 2021, so not even possible yet to reserve on Delta. I want to book as early as possible to get preferred seats on the daily direct flight, but I w...
by GerryL
Thu May 14, 2020 5:17 pm
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3094

Re: New bogleheads induction

I am a newbie and I hope this question is not out of place. On one end, I believe and want to embrace the Bogleheads philosophy, but on the other end, does that mean I would stop learning from there, since something like a three fund or two fund portfolio is almost like set it and forget it. I mean...
by GerryL
Mon May 11, 2020 3:39 pm
Forum: Personal Investments
Topic: Ally Bank 1.25% savings .50 Moneymarket
Replies: 26
Views: 3657

Re: Ally Bank 1.25% savings .50 Moneymarket

Jack FFR1846 wrote:
Mon May 11, 2020 3:03 pm
Interesting.

The rates page still shows 1.5%. Logging in, my rate is shown as 1.5%.
From the email:
Your new APYs are effective 5/12/2020 and will show online in your account details on 5/13/2020.
by GerryL
Mon May 11, 2020 1:53 pm
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5488

Re: At what moment does retirement begin?

My retirement began 8 weeks and a few days after my last day of work. I woke up the first morning of my 8 week sabbatical knowing that I was UNofficially retired. I was still on the payroll and had my work laptop set up on the dining room table. I knew I was still employed even though I felt no urge...
by GerryL
Sun May 10, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: What age do you use for retirement end date?
Replies: 68
Views: 4099

Re: What age do you use for retirement end date?

My official financial plan is based on living to 100. Previously I went with 96 just because my oldest grandparent lived to 76 and my parents both lived to 86. I'm 71, and when I compare myself to where my mother was at the same age, I am much healthier, both physically and cognitively. You may not ...
by GerryL
Sun May 10, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Simplest Coffee Cold Brew Systems
Replies: 16
Views: 949

Re: Simplest Coffee Cold Brew Systems

I'm not a serious coffee drinker, but I wanted to try out cold brew. After much shopping around for a good, economical, easy to use and clean system, I settled on the simple mason jar method. I bought a cotton nut milk bag (actually a set of two) on Amazon. A friend gave me a wide-mouth mason jar. I...
by GerryL
Sun May 10, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

A suggestion if you enjoy international travel, why not learn a foreign language for a country you want to visit. There are lots of apps and I find that I am more motivated if I use a language app such as iTalki. I am continuing with my Spanish lessons and really enjoy my iTalki Skype lessons with ...
by GerryL
Sun May 10, 2020 4:44 pm
Forum: Personal Consumer Issues
Topic: Hospice care - room and board
Replies: 33
Views: 2586

Re: Hospice care - room and board

Dottie,
Take comfort in knowing that you took care of your mom -- and that she knew you were there for her.
Now, take care of yourself.
by GerryL
Sun May 10, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

A suggestion if you enjoy international travel, why not learn a foreign language for a country you want to visit. There are lots of apps and I find that I am more motivated if I use a language app such as iTalki. I am continuing with my Spanish lessons and really enjoy my iTalki Skype lessons with ...
by GerryL
Sun May 10, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

I notice several have mentioned their grocery costs have increased. I'm curious as to why - at this point (May, 2020) - this may still be true? Groceries are being stocked. We have food - there are some products that are in short supply, but for the most part food is readily available. Why are we n...
by GerryL
Sun May 10, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6589

Re: Has Your Spending Changed Since The Shutdown?

Aside from not going on the in-state trips I had been planning this spring and no dining out or impulse shopping (two new habits I've acquired in retirement) the biggest change is in how I shop for groceries, which I only do every other week. I'm usually very price conscious, but now I am getting wh...
by GerryL
Sun May 10, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5437
Views: 1349911

Re: What Movie Have You Recently Watched?

Cyrano, My Love. Available on Kanopy. Imagined story of how Edmond Rostand came to write Cyrano de Bergerac. Think Shakespeare in Love or The Man Who Invented Christmas. More amusing if you are familiar with the Rostand play. In French with subtitles. This week I retrenched and watched the B&W 1950 ...
by GerryL
Sun May 10, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5330

Re: What are your alternative plans this summer if it was travel?

A lot of nowhere. I was supposed to leave at the end of august for a cruise in the south of France, but that was cancelled. (Planned cruise on same ship was cancelled a year ago for non-virus reasons.) I have booked a river cruise on the Seine for late September, but I figure there is only a 50/50 c...
by GerryL
Thu May 07, 2020 9:13 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference Update
Replies: 27
Views: 2657

Re: 2020 Bogleheads Conference Update

Not unexpected. Thank you for all your continued hard work.
by GerryL
Thu May 07, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

Got it. Thanks! If you get a Roku device (or, probably, Fire Stick) you might have access on your tv to one or more free streaming services through your local library. system. Through the Kanopy app you can access a wide range of films, a better selection, IMHO, than Netflix. Some libraries offer H...
by GerryL
Tue May 05, 2020 1:48 pm
Forum: Personal Investments
Topic: Close to retirement and don't know what to do
Replies: 33
Views: 4048

Re: Close to retirement and don't know what to do

This is my first time using this website so I apologize if I am posting this in the wrong place. My husband and I are both 63 and he is planning on retiring in a few years - possibly 3 years (I don't work). I have the majority of our money in Vanguard target retirement fund VTTVX 2025 (also some is...
by GerryL
Mon May 04, 2020 8:28 pm
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 4868

Re: Tell me what I don't know about retirement?

Here's something you don't know, that: ... salary 2 years before retiring can determine your premium for medicare... is NOT true. You might be referring to IRMAA: https://www.cms.gov/newsroom/fact-sheets/2020-medicare-parts-b-premiums-and-deductibles And salary is not involved, but rather all your ...
by GerryL
Mon May 04, 2020 7:42 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

In Amazon’s defense, you’re being deprioritized so they can deliver stuff to hospitals. Yeah but that's not what's happening - at least here. I've had several packages within 4-5 days and some are weeks... Heck I had a lawn mower delivered in 3 days. Doesn't it sort of depend what is in stock? If i...
by GerryL
Mon May 04, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2258

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

I strongly recommend signing up for Informed Delivery. It tells you what the postal service plans to put in your mailbox that day. I only check my mail about once every week or two, so it is important to know when something important is in there. I just recently signed up for Informed Delivery. It ...
by GerryL
Mon May 04, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2258

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

My mailbox locks. But I live in an area with a cluster of mailboxes. Due to the way the mailboxes are arranged, it is easy for the delivery person to be "off-by-one" when putting the mail in the boxes and everyone gets their next door neighbor's mail. I frequently get my neighbor's mail and they ge...
by GerryL
Mon May 04, 2020 2:48 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question
Replies: 84
Views: 6242

Re: Amazon Prime Membership Question

I signed up for Prime less than a year ago. (Have already extended the subscription with special veterans' pricing last November.) I don't buy a lot on Amazon, and during lockdown I have only ordered a few things. Most have come fairly quickly, like a day before the listed date. Most recently I orde...
by GerryL
Mon May 04, 2020 2:36 pm
Forum: Personal Consumer Issues
Topic: terro ant treatment
Replies: 34
Views: 1810

Re: terro ant treatment

I regularly use Terro. The traps outside the house at a few locations and the liquid inside. I squirt a small amount into a milk bottle cap and place the caps around the house. (I don't have any pets.) Some years the ants are just totally out of control, and there is not a lot you can do to eliminat...
by GerryL
Wed Apr 29, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: 1-way or round trip for long-term international airfare?
Replies: 15
Views: 896

Re: 1-way or round trip for long-term international airfare?

Things have likely changed in the past 50 years, but be sure to check on the rules of the country she would fly to and make sure they will allow entry on a one-way ticket. When I went to work in France as an au pair in 1969, I flew Air Icelandic to Luxembourg on a one-way ticket with $300 in my pock...
by GerryL
Wed Apr 29, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Identifying Sources for Films I Wish to Stream
Replies: 6
Views: 379

Re: Identifying Sources for Films I Wish to Stream

Silk McCue wrote:
Wed Apr 29, 2020 12:29 pm
Try this.

https://www.justwatch.com/us

Cheers
Just Watch is a great little app. Occasionally, it's inaccurate, but for the most part it is a real time saver, especially if you have a lot of options for streaming on your device.
by GerryL
Tue Apr 28, 2020 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7149

Re: How do you explain no COVID19 Stimulus Payment?

Nicolas wrote:
Mon Apr 27, 2020 11:53 am
I would just tell the truth and not be evasive. Honesty is the best policy.
Basic rule: Don't ask a question unless you are prepared to hear the answer.
by GerryL
Tue Apr 28, 2020 2:28 pm
Forum: Personal Investments
Topic: RMDs
Replies: 13
Views: 868

Re: RMDs

The federal government has indicated that people will not be required to take their RMDs this year. Is this a good idea? The RMD holiday is a gift to people who don't need income from their tIRA to live on. Whether it is a good idea for any individual depends on their own situation. I have played a...
by GerryL
Sun Apr 26, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Have you tracked spending during quarantine?
Replies: 52
Views: 3320

Re: Have you tracked spending during quarantine?

My spending right now is up because I tend to front load many large expenses in the first half of the year. So QCDs, last year's property taxes and future travel all show up in Quicken as ytd expenditures. I play with the number to see what my monthly average spend is. But I can tell when I reconcil...
by GerryL
Sat Apr 25, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9346

Re: I Got Scammed To Send Amazon Gift Cards

I hung up the call and blocked number. I don't know what his actual scam was but I saved myself. Rule #1 : Don't answer the phone from numbers you don't recognize! So if a hospital or doctors calls when your son/daughter/spouse/relative is in the ICU after a bad accident, you don't answer because y...
by GerryL
Thu Apr 23, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: DAF - Vanguard or Fidelity? (donor advised fund)
Replies: 35
Views: 3630

Re: DAF - Vanguard or Fidelity? (donor advised fund)

Hi, can someone please share instructions on how to contribute to a fidelity daf with vanguard funds? I am looking into opening a fidelity DAF and will be funding it initially with some appreciated ETF shares in a vanguard fund. thank you I think the best solution would be to call Fidelity Charitab...
by GerryL
Thu Apr 23, 2020 4:38 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9346

Re: I Got Scammed To Send Amazon Gift Cards

I hung up the call and blocked number. I don't know what his actual scam was but I saved myself. Rule #1 : Don't answer the phone from numbers you don't recognize! My version of caller ID consists of the following: Phone rings twice then the caller hears the following, "You've reached xxx-xxx-xxxx....
by GerryL
Wed Apr 22, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9346

Re: I Got Scammed To Send Amazon Gift Cards

When will folks realize that gifts are for people too lazy to shop for gifts, and not a form of currency. When will people actually read the thread before they reply with something completely irrelevant? <my laugh for the morning> +1 atikovi's post is certainly a non sequitur, but to address his qu...
by GerryL
Wed Apr 22, 2020 1:38 pm
Forum: Personal Investments
Topic: Retirees: Walk me thru your portfolio drawdown process
Replies: 39
Views: 3600

Re: Retirees: Walk me thru your portfolio drawdown process

Prior to my planned retirement, I was desperately looking for guidance on drawdown options. As you have found, there's plenty out there on accumulation but relatively little on decumulation. My stress was relieved when I had a Vanguard CFP run a plan for me and I discovered that I had accumulated wa...
by GerryL
Tue Apr 21, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Alternatives
Replies: 125
Views: 9494

Re: [Good replacement for Quicken?]

Just want to clear up some confusion/ambiguity: The subscription model of Quicken does not require that you keep your files in the cloud. You have that option, and it is necessary if you want to be able to access your data from multiple devices, but it is not required. You can keep all of your files...
by GerryL
Wed Apr 15, 2020 4:54 pm
Forum: Investing - Theory, News & General
Topic: Do most Bogleheads TLH?
Replies: 55
Views: 3264

Re: Do most Bogleheads TLH?

I do not proactively TLH, but I have taken advantage of the tax write-off on a few occasions. For example, deciding to dispose of some small lots of stocks that I inherited shortly before 2008 (one went from a basis of over $50/sh to around $2), and when consolidating my portfolio and deciding to ge...
by GerryL
Fri Apr 10, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: How long after starting investing, did you start to be happy about the power of compounding?
Replies: 92
Views: 6072

Re: How long after starting investing, did you start to be happy about the power of compounding?

Back in the mid 70s when I was in the USAF, I got a promotion and a nice raise and decided to start putting $50 toward a $100 savings bond each month. By the time I turned the auto-purchase off I had collected ~35 bonds. Let them just sit, hidden away for years, knowing that they would keep earning ...
by GerryL
Thu Apr 09, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth asking car insurer to decrease premium during pandemic?
Replies: 32
Views: 1578

Re: Is it worth asking car insurer to decrease premium during pandemic?

I saw this thread and then went to the USAA website and found the following ... "USAA to Return $520 Million to Members ..." See link --> https://communities.usaa.com/t5/Press-Releases/USAA-to-Return-520-Million-to-Members/ba-p/228150 Hopefully other insurers will follow suit. USAA just sent an ema...
by GerryL
Wed Apr 08, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: No news from Vanguard on RMD changes?
Replies: 31
Views: 2659

Re: FYI: If you have automatic RMD withdrawals set up, Vanguard will still do them this year

Of course. The RMD holiday is a gift to people who don't need money from their IRA for living expenses. Vanguard has no way of knowing who needs the funds for their budget and who welcomes the opportunity to skip a distribution.