Search found 179 matches

by 50ismygoal
Mon Apr 15, 2019 1:58 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1635

Re: Calling all Western NY Bogleheads

I'll be there.
by 50ismygoal
Sun Apr 14, 2019 2:15 pm
Forum: US Chapters
Topic: Western NY Bogleheads Local Chapter Established
Replies: 26
Views: 1635

Re: Calling all Western NY Bogleheads

I'm in. Niagara Falls area.
by 50ismygoal
Fri Feb 01, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Building a house in rural mountains
Replies: 70
Views: 7196

Re: Building a house in rural mountains

Bump. Very interested in responses.
by 50ismygoal
Tue Jan 29, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax/401K corrective distribution question
Replies: 2
Views: 121

Re: TurboTax/401K corrective distribution question

Turns out Vanguard has posted the 1099-R to my Tax Center. Thanks!
by 50ismygoal
Tue Jan 29, 2019 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax/401K corrective distribution question
Replies: 2
Views: 121

TurboTax/401K corrective distribution question

Before retiring I had a 401K plan through Wells Fargo. Often, I would get a "corrective distribution" because the IRS testing of my employer's 401K plan determined that too much of the plan benefitted highly compensated employees. I retired in May of 2017, and maxed out my 401K ($24K) in that 5 mont...
by 50ismygoal
Fri Nov 02, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1245

Re: Florida transportation between coasts

I hadn't thought about a 1-way car rental, or Greyhound, so thanks!
by 50ismygoal
Fri Nov 02, 2018 10:28 am
Forum: Personal Consumer Issues
Topic: Florida transportation between coasts
Replies: 17
Views: 1245

Florida transportation between coasts

I'm planning a trip to Florida in early 2019. I usually visit the east coast, but this year I'd like to see the west coast too. I plan to spend 5 days on each coast. My first thought was I'd book a three-point flight, from NY to Fort Myers, then Uber to Fort Lauderdale, then fly back to NY. Now I'm ...
by 50ismygoal
Sun Sep 09, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Excessive data usage with Total Wireless
Replies: 5
Views: 408

Re: Excessive data usage with Total Wireless

123, I kept the same phone (iPhone X) and same number. I switched because the Verizon network has coverage is a small area near where I live that AT&T doesn't, a place I visit infrequently.
by 50ismygoal
Sun Sep 09, 2018 6:31 pm
Forum: Personal Consumer Issues
Topic: Excessive data usage with Total Wireless
Replies: 5
Views: 408

Re: Excessive data usage with Total Wireless

Thanks for your responses. I'll check my settings, but it's hard to believe I more than doubled usage. Cricket was only geographically challenged in a small part of the area I travel.
by 50ismygoal
Sun Sep 09, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Excessive data usage with Total Wireless
Replies: 5
Views: 408

Excessive data usage with Total Wireless

I was on Cricket Wireless for just over a year. I never once used more than 4GB of data in any given month. For geographic coverage reasons, I switched to Total Wireless a couple of weeks ago. I just checked the app on my phone, and it shows I'm almost at 5GB. My usage hasn't changed. Could one carr...
by 50ismygoal
Sat Aug 18, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1408

Re: Total Wireless v. Cricket Wireless

I guess I've just been likely never to have to use area codes for local calling until switching to Cricket.
by 50ismygoal
Sat Aug 18, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1408

Re: Total Wireless v. Cricket Wireless

Thanks for the responses. I just need one line. As to area codes, when I had Verizon I only needed to use area codes for long-distance, whereas with Cricket I need to use the area code to call next door. I've also noticed that with Cricket I seem to use less data, even though I'm using my phone the ...
by 50ismygoal
Sat Aug 18, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Total Wireless v. Cricket Wireless
Replies: 13
Views: 1408

Total Wireless v. Cricket Wireless

Before I retired in 2017, I used Verizon Wireless. The service was flawless yet it was very expensive, but my employer paid for it. As I approached retirement and the prospect of paying for my own service, I switched to Cricket Wireless, which I believe uses the AT&T network. The service is almost a...
by 50ismygoal
Tue May 15, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 6271

Re: New motorcycle rider

The first thing I would recommend is riding bikes with different riding positions to see what you prefer. Upright, sport bike, cruiser. Go to a multi-line dealer and sit on a few first, then talk about riding ones you like.
by 50ismygoal
Sun May 13, 2018 7:55 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

Munemaker, good observations. I'm only 5-11, and I'm a minimalist. My previous car was a Honda Fit. Highlander and CR-V are great choices. Good luck.
by 50ismygoal
Sun May 13, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

Picked up my new Kona today! I bought a Thunder Gray with gray interior, Limited AWD model. I love it so far (Day 1.)
by 50ismygoal
Sat Apr 14, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Hollywood Beach on West Coast of FL?
Replies: 3
Views: 403

Re: Hollywood Beach on West Coast of FL?

Thanks, Sandi, but I should clarify I'm looking for a place to visit on the west coast of Florida. I'll try to edit my original post.
by 50ismygoal
Sat Apr 14, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Hollywood Beach on West Coast of FL?
Replies: 3
Views: 403

Hollywood Beach on West Coast of FL?

I had a great vacation on Hollywood Beach last month and plan to return next year. I'm an avid walker and I really like walking on the broadwalk. Next year, I'd like to visit Hollywood Beach again, but also spend a few days on the west coast of FL. For those of you familiar with FL, is there a compa...
by 50ismygoal
Sat Apr 07, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Money Market Funds
Replies: 13
Views: 3914

Re: Money Market Funds

I recently moved my Ally cash to the prime money market account. I like the simplicity of having everything at Vanguard.
by 50ismygoal
Wed Mar 28, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

I have a Honda Fit now, but really like the Honda HRV. But the audio system in the Fit, same as the HRV, is atrocious. And I would like a little more ground clearance and AWD for winter driving. So I like the Kona for it's higher stance, it's AWD, like the interior, and I'm a minimalist so it fits i...
by 50ismygoal
Mon Mar 26, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

I like the HR-V and expect a redesign in the next year or so. I read some of the Kona reviews and didn't see anything bad. Yet.
by 50ismygoal
Sun Mar 25, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

Lots of media buzz for the electric version, but I'm interested in gas only. But I'm sure they'll have similar characteristics.
by 50ismygoal
Sat Mar 24, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Re: Hyundai Kona

Thanks, David Jay. I'm a little hesitant about buying a brand new model, but hoping to get feedback from new owners as time goes by.
by 50ismygoal
Sat Mar 24, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Hyundai Kona
Replies: 25
Views: 4011

Hyundai Kona

I posted a few months ago asking about Hyundai quality, as I was interested in a forthcoming model, the small SUV Kona. The Kona is now hitting dealerships. Anyone else interested? Anyone drive one? I'm thinking about purchasing one but am waiting for some test drives to be published.
by 50ismygoal
Tue Feb 27, 2018 4:25 pm
Forum: Personal Investments
Topic: Tax loss harvesting bonds
Replies: 8
Views: 955

Re: Tax loss harvesting bonds

Thanks, all!
by 50ismygoal
Tue Feb 27, 2018 10:24 am
Forum: Personal Investments
Topic: Tax loss harvesting bonds
Replies: 8
Views: 955

Tax loss harvesting bonds

I had about 20% of my portfolio in Vanguard's Intermediate Term Tax-Exempt Fund in my taxable account. Until I retired last year, munis made sense for me, but now I'm in a lower income tax bracket. So today I sold the fund for a $2,500 loss. My plan is to buy either BIV (which is my sole holding in ...
by 50ismygoal
Wed Feb 07, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Niagara falls US side
Replies: 27
Views: 2220

Re: Niagara falls US side

I live in Niagara Falls, and there are so many things to do on the US side, year round. Visiting in winter is cheap, as hotels are largely vacant, and the scenery is beautiful and you have it largely to yourself. Make sure you see, based the Falls/Goat Island: Niagara River Gorge, entered at Whirlpo...
by 50ismygoal
Thu Feb 01, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 5083

Re: Hyundai quality and reliability

For those of you interested in the new Kona:

http://www.motortrend.com/news/2018-hyu ... -at-20450/
by 50ismygoal
Mon Jan 29, 2018 6:12 am
Forum: Personal Investments
Topic: Sequence of returns for early retiree
Replies: 14
Views: 2872

Re: Sequence of returns for early retiree

Thanks, all!
by 50ismygoal
Sun Jan 28, 2018 7:57 am
Forum: Personal Investments
Topic: Sequence of returns for early retiree
Replies: 14
Views: 2872

Sequence of returns for early retiree

I retired last May at the age of 50, with a 50/50 portfolio. My plan was/is solid, though despite having 50% in intermediate-term bonds and some cash I did worry a little about sequence of returns risk considering the market had a decent run-up in the years before I retired. Well, my first 8 months ...
by 50ismygoal
Sun Jan 07, 2018 8:54 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 4693

Re: Best Phone Plan for 1 person

I switched from Verizon to Cricket about a year ago. I too was skeptical, especially in terms of reliability. I pay $35 per month and the service has been great. I believe Cricket runs on the AT&T network, so you would probably see no change in service.
by 50ismygoal
Thu Jan 04, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Tax penalty (Fed and NYS)
Replies: 2
Views: 512

Tax penalty (Fed and NYS)

I retired in May of last year, and this is the first year that I will be a low-income retiree. My tax bills will be very low, although this year I may take more capital gains than I would normally expect I can either file "estimated" tax payments, for the first time, or just go through the year and ...
by 50ismygoal
Wed Jan 03, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: South Florida visit in early March
Replies: 20
Views: 1875

Re: South Florida visit in early March

Thanks for the great feedback, everyone. Taylor, so sorry I won't be down there in January for the meeting.
by 50ismygoal
Tue Jan 02, 2018 7:35 am
Forum: Personal Consumer Issues
Topic: South Florida visit in early March
Replies: 20
Views: 1875

Re: South Florida visit in early March

Thanks, all!
by 50ismygoal
Mon Jan 01, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: South Florida visit in early March
Replies: 20
Views: 1875

South Florida visit in early March

I'll be spending a week in South Florida in early March. I'll be staying in Hollywood and making one day trip to Naples/Bonita Springs. It's just me, no kids, and I'm just looking for suggestions on things to see and do during my stay. I plan to find a place to stay on VRBO. Any suggestions would be...
by 50ismygoal
Fri Dec 29, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 5083

Re: Hyundai quality and reliability

Thanks for great feedback!
by 50ismygoal
Thu Dec 28, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 5083

Re: Hyundai quality and reliability

Thanks, all!
by 50ismygoal
Thu Dec 28, 2017 4:06 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 5083

Hyundai quality and reliability

Hyundai is about to introduce a new mini-SUV called the Kona, and I'm interested in it. It's similar to the Honda HRV, which I also like. I've had lots of Honda's and lots of luck with all of them. They are bullet-proof. But I actually like the Kona better than the HRV. Can anyone here talk about th...
by 50ismygoal
Sun Dec 24, 2017 2:47 pm
Forum: US Chapters
Topic: Where is YDNAL?
Replies: 57
Views: 12607

YDNAL whereabouts?

I miss YDNAL's posts and commentary. I can't be the only one. Anyone know of his whereabouts?
by 50ismygoal
Fri May 26, 2017 2:09 pm
Forum: Personal Investments
Topic: Move cash from Ally to Vanguard?
Replies: 5
Views: 1737

Re: Move cash from Ally to Vanguard?

Thanks, all!
by 50ismygoal
Fri May 26, 2017 9:28 am
Forum: Personal Investments
Topic: Move cash from Ally to Vanguard?
Replies: 5
Views: 1737

Move cash from Ally to Vanguard?

I have a 50:50 portfolio, with 50% in equities (40% domestic/10% international) and 50% bonds/cash. The 50% bonds/cash is roughly 25% BIV (Intermediate-Term Bond ETF) in my IRA, 13% VWIUX (Int-Term Tax-Exempt) in taxable and 12% cash in Ally generating 1% in an online savings account. For the sake o...
by 50ismygoal
Tue Mar 07, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Refund of "excess deferrals" from 401K question
Replies: 7
Views: 1261

Re: Refund of "excess deferrals" from 401K question

Umm...now I'm even more confused. Knowing that my tax rate this year (2017) will be lower than last year (as I'm only earning income through mid-May), and knowing that my tax rate next year (2018) will be lower than this year (as I will be retire for the full year), shouldn't I max my contributions ...
by 50ismygoal
Tue Mar 07, 2017 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Refund of "excess deferrals" from 401K question
Replies: 7
Views: 1261

Re: Refund of "excess deferrals" from 401K question

My thinking is that I should continue maximum deferrals in 2017 through my May retirement, as my tax rate this year is higher than my rate will be next year. Are you suggesting otherwise. Please clarify.
by 50ismygoal
Mon Mar 06, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Refund of "excess deferrals" from 401K question
Replies: 7
Views: 1261

Refund of "excess deferrals" from 401K question

Today I received a check from my 401K administrator (Wells Fargo) for $8K for "excess deferrals" because of IRS rules related to highly compensated employees. So this $8K will need to be claimed on my 2017 taxes. Because I'm retiring on May 12th, the timing isn't so bad. My question is this: I'm max...
by 50ismygoal
Sat Feb 18, 2017 7:25 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2017!
Replies: 323
Views: 63231

Re: Roll Call for the Retirement Class of 2017!

I'm out on May 12th, the day I turn 50, which happens to be a Friday this year. My employer and employees all know and I can't wait until the big day. I may get involved in politics, something forbidden with my career, and I may dip my toe in the part-time employment pool at some point.
by 50ismygoal
Fri Feb 03, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 70
Views: 8216

Re: Verizon to Cricket or StraightTalk

goglehead.orbs, thanks so much. That's what I'll do.
by 50ismygoal
Fri Feb 03, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 70
Views: 8216

Re: Verizon to Cricket or StraightTalk

Bloom2708, I wish I knew about Total Wireless before switching to Cricket. I loved the Verizon reliability, so Total appeals to me. I'm with Cricket now and will give it some time, but I'll keep my eye on Total. Thanks!
by 50ismygoal
Wed Feb 01, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Verizon to Cricket or StraightTalk
Replies: 70
Views: 8216

Re: Verizon to Cricket or StraightTalk

Gang: I switched to Cricket yesterday. It went as smooth as can be. My monthly bill will go from $70 to $50, inclusive of taxes and fees, and my data goes from 2GB to 8GB. Frankly, I'll never use 8GB, or 2GB for that matter, but this plan gives me unlimited data/texts in Canada, where I visit on occ...
by 50ismygoal
Tue Jan 31, 2017 2:10 pm
Forum: Personal Investments
Topic: Projections for bonds if stocks tank
Replies: 26
Views: 2938

Re: Projections for bonds if stocks tank

PJW:
As a history buff, and a student of communist revolutions, I'm embarrassed I didn't recognize those dates. I guess I was thinking in terms of U.S. financial history. Thanks!
by 50ismygoal
Tue Jan 31, 2017 7:49 am
Forum: Personal Investments
Topic: Projections for bonds if stocks tank
Replies: 26
Views: 2938

Re: Projections for bonds if stocks tank

PJW, could you explain what happened in 1917, 1949 and 1959, please.