Search found 119 matches

by frogmaster
Mon Dec 31, 2018 1:58 pm
Forum: Personal Investments
Topic: Vang Wellesley for Retirement
Replies: 45
Views: 7130

Re: Vang Wellesley for Retirement

Following is a table that shows what $100,000 invested in Wellington, Wellesley Income and various Vanguard index funds on January 1, 2000 would be worth as of November 30, 2018. (Source: Portfolio Visualizer.) $400,481 - Wellington - VWELX $370,256 - Wellesley Income - VWINX $279,045 - Balanced In...
by frogmaster
Fri Jan 26, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Mint email + TurboTax = Free
Replies: 1
Views: 505

Mint email + TurboTax = Free

I just got an email this a.m. from Mint.

Says MINT plus TurboTax = Free if 1040EZ and 1040a for FED and STATE


FYI
by frogmaster
Fri Nov 10, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 3636

Re: PayPal alternative?

transferwise(dot)com

Send Big$ half way around the world with very LOW Fees :)

Mr Frog
by frogmaster
Thu Nov 02, 2017 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: nbFidelity 401k says we have an Income Planner at No Costs and then...
Replies: 1
Views: 602

nbFidelity 401k says we have an Income Planner at No Costs and then...

I like to be brief (my military background I guess). Was talking to nb.fidelity (Employer 401K) about rule of 55 withdraw options. Spoke to 2 guys and got 2 different answers, so I called in a third time and he confirmed guy #2 was wrong, then said Hey! I can set you up with our Income Planner Depar...
by frogmaster
Tue Oct 10, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 6481

Re: Wifi Thermostat

See the Ecobee 3 LITE :sharebeer
by frogmaster
Sat Jun 10, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Three years into retirement… Need a good read
Replies: 12
Views: 2996

Re: Three years into retirement… Need a good read

And Jane Bryant Quinn's How to Make Your Money Last is a good overview. I'll second this recommendation. I'm reading it right now. I didn't care for her bucket approach in that book.. I prefer a pension or annuities, including SS, to set a base income level in retirement... Yeah this for me too :) ...
by frogmaster
Fri Jun 02, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Plan Check, 2 Years out.
Replies: 25
Views: 4757

Re: Early Retirement Plan Check, 2 Years out.

Enjoy fishing :) I have about 3/4th of your savings, but my 2 pensions will equal about $5k/mo (only 2k no COLA at age 55 and the other 3k w/ COLA at age 59). I will retire at age 55 and hold out until age 59 Pension. Healthcare is the Wildcard for ALL OF US (just remember it hurts less on those who...
by frogmaster
Fri Jul 29, 2016 12:14 pm
Forum: Personal Investments
Topic: Trying to help my retired parents
Replies: 16
Views: 2165

Re: Trying to help my retired parents

Jakson wrote: My dad is so upset about the 20% he will have to pay for withdrawals so he doesn't even want to touch the money, I tried to explain to him that he didn't pay taxes on that money while he was contributing to the 410K. I think the savings has around 400K in it.
by frogmaster
Fri Jul 29, 2016 11:36 am
Forum: Personal Investments
Topic: Trying to help my retired parents
Replies: 16
Views: 2165

Re: Trying to help my retired parents

The 20% your Dad is complaing about is most likely the 401k Distrobution is REQUIRED "WITHHOLDING" for taxes. This is NOT the same as a 20% Tax! If he and wife has approximatley 73k in INCOME and File Taxes MFJ, then he will be getting that 20% back... called it a delayed and interest free loan to t...
by frogmaster
Wed Jul 27, 2016 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a house while active duty
Replies: 15
Views: 1567

Re: Thinking of buying a house while active duty

Marine, 1. Thanks for doing what the Army does not want to do :) 2. Ahhh the 2 Service Members Marry each other to get double BHA thingy... This has recently reached high level budget folks and is the number 1 on the chopping block in the near future. Many Googled Stories about this. 3. The rention ...
by frogmaster
Sun Jun 26, 2016 8:32 pm
Forum: Personal Investments
Topic: Disability and Life Insurance- Military Resident
Replies: 11
Views: 938

Re: Disability and Life Insurance- Military Resident

Ashley, NEVER mix investing with insurance!!! Start here: https://www.bogleheads.org/wiki/Getting_started . Also do NOT get involved with any militarybase salemen called First Command or any other name that combines Insurance and Investing. Best thing you can do now is READ & SEARCH & READ some more...
by frogmaster
Sun Jun 26, 2016 6:58 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 17864

Re: What did you learn from the post-Brexit bloodbath?

Did something happen? Oh I see (Media Hype) Just BLIP on my next 30 years of investing.

YAAWWWNNNNN

Mr Frog
by frogmaster
Sun Jun 26, 2016 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 31
Views: 5616

Re: Ally Bank Credit Card

Thanks Jags,

I that link looks exactly the same like what I filled out at the website. I guess I can call and ask about this, once my crad arrives.

Thanks :beer
by frogmaster
Sat Jun 25, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Credit Card
Replies: 31
Views: 5616

Re: Ally Bank Credit Card

Jags4186 wrote:If you're focused on no frills cash back just get the Fidelity Visa. 2% cash back, $100 sign up bonus.
Signed Up few minutes ago from FIDO (dot) com and did not see any 100$ Signup bonus :shock:

Have a link for this bonus?

Mr. Frog
by frogmaster
Sat Jun 25, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 11
Views: 3213

Re: Penfed CC Rewards (hidden advantage if you like points to cash)

Thanks for the info. As you discovered, the prepaid Visa card option had disappeared from the web page. Be forewarned that since it no longer appears, except when doing a search, Pen Fed may be getting ready to end the prepaid Visa card option, or at least discourage this type of redemption. They m...
by frogmaster
Fri Jun 24, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed CC Rewards (hidden advantage if you like points to cash)
Replies: 11
Views: 3213

Penfed CC Rewards (hidden advantage if you like points to cash)

Folks, I have been with Penfed for a couple years now. In 2014 I had about 5000+ points and EASILY seen at the rewards website the option for a Visa Debit Card for $50.00 good antwhwere Visa is accepted. Now this year the rewards website does NOT show that option on the main page or seen in the card...
by frogmaster
Mon Jun 20, 2016 4:45 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

Figure out what your yearly drawdown need will be when you collect your 2 pensions and SS. Have 20-25 years worth of that amount in "safe" products e.g. short term bonds, CDs, etc. That is your retirement funding or "safe" portfolio. The excess invest anyway you want. That is your "risk" portfolio....
by frogmaster
Sun Jun 19, 2016 11:37 am
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

Don't be one of those money hoarders who has a nice and tidy bank balance but their house is falling down around them. Whether it is your literal house or whether it is figurative, start looking around you and see what needs to be fixed or replaced to make your life more comfortable. I'm not saying...
by frogmaster
Sun Jun 19, 2016 11:07 am
Forum: Personal Investments
Topic: Debt Free [Investment help for deployed airman]
Replies: 23
Views: 2849

Re: Debt Free [Investment help for deployed airman]

Airman, After 30 days boots on ground, you can go to Finance Office and START your SDP (Savings Deposite Plan). You can put up to 10k and get a garunteed 10% Return. You get the most interest by putting in as much as possible earl as possible. Then 90 days after you redpoly you have to take it out. ...
by frogmaster
Sat Jun 18, 2016 4:29 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

What are your goals? How are you different from the average boglehead in goals? We can't give suggestions without knowing more about you. Do you volunteer? Do you like to travel? Are you interested in having a side business? How do you envision your retirement? Celia, I call 34+ Years Army a Paid V...
by frogmaster
Sat Jun 18, 2016 4:22 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

Hoestly reading the Wiki About Taxable Accounts seems the be more headach and tracking hassles than I like to deal with. I agree that some of the Wiki articles are overwhelming and make some things just seem not worth the trouble. But investing in your taxable account can be pretty simple. Your que...
by frogmaster
Sat Jun 18, 2016 4:07 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

You might want to consider starting a donor advised fund (DAF) to stash cash for current or future charitable giving -- if you are so inclined. A DAF is helpful for managing taxes in years when your income could pop you into a higher tax bracket. You will find plenty of threads on this forum about ...
by frogmaster
Sat Jun 18, 2016 3:59 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

They have a Lump Sum and Annuity for Life (No COLA), however I will get COLA with Militray Pension and SS. From most BUYOUT Pension Posts most are better off with Pension. Right now my Lump is about 90k and Annuity is 2k per month in OCT 2018. Seems to me the Pension is BETTER than Lumpsum (I hope ...
by frogmaster
Sat Jun 18, 2016 1:15 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

I am 52.5 years old and will have CORP Pension @ 55 and a second Military Pension @59 and plan to retire just after my 55th B-Day. Does your corporate pension offer a lump sum or accelerated payout? Or, is it strictly a lifetime annuity? Jack, They have a Lump Sum and Annuity for Life (No COLA), ho...
by frogmaster
Sat Jun 18, 2016 1:07 pm
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Re: Nice problem to have, Too much cash headed my way next 2.5 years

However #8 and #46 seem to conflict with the Taxable Account concept (?). 8. Don’t keep a heap of money in your checking account. 46. Don’t keep money in the stock market that you’ll need to spend within five years. What a great list! Thanks for sharing it. They both make perfect sense to me, so I ...
by frogmaster
Sat Jun 18, 2016 11:54 am
Forum: Personal Investments
Topic: Nice problem to have, Too much cash headed my way next 2.5 years
Replies: 22
Views: 3459

Nice problem to have, Too much cash headed my way next 2.5 years

BH's, Since 1994 I have Maxed my IRA's, 401k's, TSP, HSA's, Traditional and Roths (Total is about 600k 50/50 Tradional/Roth) 90% Target 2020 Funds and 10% International. All of this Annually is about 40% or 40k of my 100k salary. Main point here NO MORE TAX Advataged Space. I never had enough dollar...
by frogmaster
Fri Jun 10, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?
Replies: 8
Views: 918

Re: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?

You don't need the login or password, but you do need any records that might be used to establish your taxes. Saving your annual statements (in paper or electronic form) should be sufficient if they record all transactions during the year. If you bought a taxable mutual fund, you need to keep the r...
by frogmaster
Thu Jun 09, 2016 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?
Replies: 8
Views: 918

Re: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?

Do I need to keep OLD Mutual Fund Co's Login / Password for Records? I started IRA's in 1994 until 2012-ish when I rolled everything to VG. Back then I had 3 MF Companies and even today I have their Logins and Passwords saved. All 3 MF Companies have ZERO BALANCE, however, I have (not yet made any ...
by frogmaster
Thu Jun 09, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to keep OLD Mutual Fund Co's Login / Password for Records?
Replies: 8
Views: 918

Do I need to keep OLD Mutual Fund Co's Login / Password for Records?

Do I need to keep OLD Mutual Fund Co's Login / Password for Records? I started IRA's in 1994 until 2012-ish when I rolled everything to VG. Back then I had 3 MF Companies and even today I have their Logins and Passwords saved. All 3 MF Companies have ZERO BALANCE, however, I have (not yet made any w...
by frogmaster
Thu May 19, 2016 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Transferring 401k to Vanguard
Replies: 4
Views: 606

Re: Transferring 401k to Vanguard

Double CHECK with your employer (If financially sound Company and 401K plan). My Mega-Corp 401k plan allows me to make withdrawls starting 1 JAN XXXX in the year I turn age 55, WITHOUT the Tax Penalty.... otherwise I would have to wait until age 59.5 if move my 401k :shock: .

Bless
by frogmaster
Wed May 04, 2016 3:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 923
Views: 174167

Re: Boglehead Beer

True Bogleheads Beer is DIY therefore I Home-Brew and just like indexing I blend my Yeasts into some INDEXING Yeast :sharebeer :D
by frogmaster
Thu Mar 10, 2016 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: TSP loan to fund SDP?
Replies: 7
Views: 904

Re: TSP loan to fund SDP?

Spooky is SPOT ON. Forget the Barracks / Tent Lawyers... You need 30 days BOG and then you can use about 85% for your first paycheck, then 30 days later you can TOP OFF the 10k. Even if you bring 10k they WILL NOT TAKE IT. Yes I just back from the Sand Box last Fall. Spooky forgot to Mention that yo...
by frogmaster
Fri Feb 12, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: First time to Japan Travel. Advice?
Replies: 24
Views: 3662

Re: First time to Japan Travel. Advice?

Go to magellin.com (spelling)?

Get the "self inflating seat cushion" this will make your tail-bone happy due to 13+ hours and the "inflatable neck-pillow" is Awesome too.

Been flying around the world for 33+ years :beer

Best $ I ever spent... not cheap but WORTH every penny :greedy

Bless
by frogmaster
Wed May 27, 2015 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing small Dr. Office illegal? (updated)
Replies: 5
Views: 1521

Re: Medical Billing small Dr. Office illegal? (updated)

If you have EOBs that show what you are expected to pay, and you've paid that, I would take the argument to Tricare. Tell them that the Dr is billing you for more than the EOBs, and see if they can get it squared away. Thanks Prudent, Called Tricare, apparently the Dr Office can accept the payment,...
by frogmaster
Wed May 27, 2015 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Medical Billing small Dr. Office illegal? (updated)
Replies: 5
Views: 1521

Medical Billing small Dr. Office illegal? (updated)

Hello, Had seen a skin Dr. on 4 ocassions. They accepted and billed my Tricare Ins for the 4 visits. I seen the 4 EOB (explination of benifits) and paid the Dr. Office 100% of my responsibility per the EOM's. The EOM's also reduced the billed amounts to (reasonable and customary) and paid the reduce...
by frogmaster
Sat May 09, 2015 6:05 am
Forum: Personal Investments
Topic: Transferring Roth 401(k) to Roth IRA
Replies: 2
Views: 641

Re: Transferring Roth 401(k) to Roth IRA

Do you know that some 401k Plans have an option that you can withdrawl (without 10 penalty) between the (year you turn age 55 until 59.5)? I was going to move all my 401k to VG but decided not to for this very key option! Instead I adjusted my 401k to very low cost Target Date Fund which had an ER% ...
by frogmaster
Sat Feb 14, 2015 12:24 pm
Forum: Personal Investments
Topic: Whole Life Insurance Assessment
Replies: 5
Views: 851

Re: Whole Life Insurance Assessment

Mr. Navy, Mr. Army here to say I been Active Duty 10yr and Reserve 23 years and been with USAA since 1988. Most here think Dave Ramsey gives generally good getting out of debt advice and not so good investing advice by not fully disclosing his ELP's "endorsed local provider" ie) Loads, Fees, 12b, ec...
by frogmaster
Mon Feb 09, 2015 9:06 am
Forum: Personal Investments
Topic: Military Deployment, where to invest
Replies: 22
Views: 3603

Re: Military Deployment, where to invest

Guys I just did the SDP last Aug 2014. They will NOT take your 10k from your bank. On your 31st day of boots on ground you can go to Finance Office with your last 2 LES's. In my Case US Army MAJOR = O4 over 32 years (max) they could only do about $8,500.00-ish. 30 days later I bring in LES's and the...
by frogmaster
Mon Feb 09, 2015 8:37 am
Forum: Non-US Investing
Topic: Moving to Thailand. Assets in USD
Replies: 12
Views: 2182

Re: Moving to Thailand. Assets in USD

Do not forget you have to tell your uncle (Uncle Sam) any banking or assets exceeding USD=10K. I can not recall that acronym right now and can be found in google too. Most Expat website have similar information about this.

Good Luck :beer
by frogmaster
Sun Feb 08, 2015 2:39 pm
Forum: Personal Investments
Topic: Military Deployment, where to invest
Replies: 22
Views: 3603

Re: Military Deployment, where to invest

I am in that zone now... Since DFAS gives the Federal INC Taxes and FICA back every month and the TSP ROTH is deducted 2x monthly that is really a TAX FREE ROTH IN & TAX FREE OUT. Nowhere else do you get this except HERE. I got here 12 JULY 2014 and will depart 25 JUNE 2015 and maxing TSP ROTH for b...
by frogmaster
Sun Feb 08, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my Whole Life Policy?
Replies: 13
Views: 1572

Re: Should I cancel my Whole Life Policy?

CUT & RUN Tomorrow a.m. Call it a lesson in life and move on. Rip off the Band-Aid Fast!!! Then enjoy a cold one :beer
by frogmaster
Sun Feb 08, 2015 1:03 pm
Forum: Non-US Investing
Topic: Moving to Thailand. Assets in USD
Replies: 12
Views: 2182

Re: Moving to Thailand. Assets in USD

Most expats from US keep there investments there in the US. Most make transfers every 30 days. Just like market timing the exchange rate timing is a crap shoot. If Warren Buffets bets on America for the Looonnnggg Haul why would you not? You might want to search and PM :beer user name "Kramer" he is...
by frogmaster
Fri Jan 23, 2015 5:10 am
Forum: Personal Investments
Topic: Newly retired: need help with investments, plan
Replies: 6
Views: 1782

Re: Newly retired: need help with investments, plan

That Future Advisor App does NOT follow the 10 Investment Principals. Congrats on Both retirements (I will be exactly where your are in 4 more years w/ Military & Another pension). Slow down and READ, Read, read starting in the Wiki-Section here. Stay your course UNTIL you really know what ALL your ...
by frogmaster
Sat Jan 17, 2015 11:16 am
Forum: Personal Finance (Not Investing)
Topic: How do I retire?
Replies: 53
Views: 6738

Re: How do I retire?

Next to the Bible the second best book I ever read was "Your Money or Your Life" by Joe Dominguez & Vicki Robin. Personally I have saved 1/10th of 5.2M about 520k. I do not want to be the riches guy in the cemetery. I want to spend my last 30 years providing a simple pot of Chicken & Rice to under p...
by frogmaster
Thu Jan 15, 2015 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 4921

Re: Taxact ultimate version $6

Why am I getting "Promo Code Required"? :confused Click on the below link and sign up newly or use the existing login http://bit.ly/tax-act-2014 Hmmmm, that is the link I used that hit me w/ promocode I used the OP original link and was able to create account and used the link in above post to conf...
by frogmaster
Thu Jan 15, 2015 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Taxact ultimate version $6 - DEAL OVER
Replies: 46
Views: 4921

Re: Taxact ultimate version $6

disregard I fixed my error :beer
by frogmaster
Wed Jan 14, 2015 1:48 pm
Forum: Personal Investments
Topic: I think I may have made a mistake
Replies: 5
Views: 1687

Re: I think I may have made a mistake

Yep, see Spousal IRA you will be fine and you have until Tax Filing Date Mid April 2015 to make your 2014 contributions.

My wife is learning this too as a GC Holder married to US Citizen whom Invests. I hope your Hubby reads hear a lot too.

Bless

Kuya
Mr. frog