Search found 276 matches

by greetje
Wed Mar 04, 2020 4:43 pm
Forum: Personal Investments
Topic: Large/Mid/Small Cap blend to mimic Total Stock Market
Replies: 18
Views: 4008

Re: Large/Mid/Small Cap blend to mimic Total Stock Market

Originally had all our equities in Total stock market index. Then did tax loss harvesting and put our money into VLCAX L Cap Stock Adm VIMAX M. Cap Stock Index Adm. We avoided the small cap index and International as we were older and wanted less risk. So probably should have been 100% in just L Cap...
by greetje
Sat Dec 07, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Follow Up: Husband's Surprise Debts
Replies: 371
Views: 41873

Re: Follow Up: Husband's Surprise Debts

Tamarind wrote: ↑ December 6th, 2019, 3:31 am random_walker_77 wrote: ↑ December 5th, 2019, 9:48 pm According to bankrate, a 30yr fixed is running 3.72% in colorado, so refinancing would allow you to consolidate all your debts at a low rate, while simultaneously dropping your required mortgage payme...
by greetje
Thu Oct 03, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 47
Views: 6437

Re: Picking a VPN -- 2019

We go south as snowbirds for 5 months. Our apartment complex of 600 units has a public WI FI that is unsecured we connect to. I do all our banking online. I assumed since all my banking and financial sites start with https: it is secure. But is it? Do I need a VPN or something like that? I have a la...
by greetje
Mon Jul 01, 2019 3:26 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Treasury Money Market yield so high?
Replies: 123
Views: 38276

Re: Why is Vanguard Treasury Money Market yield so high?

Vanguard Treasury as my fav MMF at the moment, also state tax exempt for most of us. We had some since 2008 recession. Why do you say most of us? We have quite a bit in Vang. Prime MM fund that yields 2.35% vs 2.31% for VUSXX Vang. Treasury MM. Low tax bracket. But still seems like a no brainer to ...
by greetje
Thu Jun 27, 2019 10:17 am
Forum: Personal Investments
Topic: Is taking bond divs considered a portfolio withdrawal?
Replies: 8
Views: 690

Re: Is taking bond divs considered a portfolio withdrawal?

Being in our early 80s, our RMD is also part of that 4%.
by greetje
Tue Jun 18, 2019 1:47 pm
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 22
Views: 5305

Re: Should we go CD ladder or bond fund?

Again dbr thanks.
That is no harder than the 1099 div I fill out From my mutual funds at vanguard.
In fact it sounds the same. Even I should be able to do that :happy
by greetje
Tue Jun 18, 2019 12:22 pm
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 22
Views: 5305

Re: Should we go CD ladder or bond fund?

Thanks dbr.
If doing taxes do I need to record each taxable event Or
Just the total . In other words does Vanguard send something like a 1099 that has the total info on it and I just write that
Total amount down, not each transaction into my Turbo Tax.
by greetje
Tue Jun 18, 2019 11:16 am
Forum: Personal Investments
Topic: Should we go CD ladder or bond fund?
Replies: 22
Views: 5305

Re: Should we go CD ladder or bond fund?

When making out tax returns.
With a taxable bond fund I heard it is much more complicated reporting the income even if deposited back into fund as each is a taxable event?
Is that true?
by greetje
Wed Jan 30, 2019 10:47 am
Forum: Personal Investments
Topic: Help buy a CD for RMD in 3 years
Replies: 34
Views: 2404

Re: Help buy a CD for RMD in 3 years

Thanks sport.
by greetje
Wed Jan 30, 2019 6:34 am
Forum: Personal Investments
Topic: Help buy a CD for RMD in 3 years
Replies: 34
Views: 2404

Re: Help buy a CD for RMD in 3 years

This may be obvious, and I may be missing something. However, once you start taking RMDs, there is another RMD every year. So, if you buy a CD to fund your first RMD, then you need to do something for the RMD for each succeeding year. My IRA CD is at Pen Fed and each year they pay me the RMD out of...
by greetje
Tue Jan 29, 2019 3:01 pm
Forum: Personal Investments
Topic: Help buy a CD for RMD in 3 years
Replies: 34
Views: 2404

Re: HELP BUY CD FOR RMD IN 3 YEARS

We bought P Fed Cds for our IRA account. There is no EWP if over age 59 as long as $1000 is kept in the account. Every year they send us the RMD they calculate is due to us taken out of our CD IRA account. We purchased the 5yr paying 3.4%. Figured as long as there is no EWP we may as well take best ...
by greetje
Wed Dec 26, 2018 6:56 pm
Forum: Personal Investments
Topic: Did I Do Something Stupid With My AA?
Replies: 22
Views: 2012

Re: Did I Do Something Stupid With My AA?

3 weeks ago stock prices were up when you sold them. You lucked out! And I do not think you were "timing the market" which is a big no no from most Bogleheads. You were just re balancing into the asset allocation you now desire as you're closer to retirement. A good thing. BUT now--------...
by greetje
Wed Dec 26, 2018 2:22 pm
Forum: Personal Investments
Topic: Did I Do Something Stupid With My AA?
Replies: 22
Views: 2012

Re: Did I Do Something Stupid With My AA?

3 weeks ago stock prices were up when you sold them. You lucked out! And I do not think you were "timing the market" which is a big no no from most Bogleheads. You were just re balancing into the asset allocation you now desire as you're closer to retirement. A good thing. BUT now--------l...
by greetje
Tue Dec 25, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed 3% CDs maturing: Thank you Bogleheads
Replies: 22
Views: 4250

Re: PenFed 3% CDs maturing: Thank you Bogleheads

As mine is in a IRA, I will renew into another 5 yr P Fed Cds @ 3.5%. I'm over 59 and can close or move the CD with no penalty as long as I leave $1000 in the account. Great deal att P Fed. Am not aware of any other financial institution offering that. Was toying with the idea of moving it to Vangua...
by greetje
Wed Sep 20, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 78472

Re: Equifax customer information leak

Thank you' I figured it was a scam but still worried.
Thanks for the information especially that link to the phone number.
by greetje
Wed Sep 20, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 78472

Re: Equifax customer information leak

Just found this in my thrash on my e mail account. Sept 10th it arrived. This was about the same time I filled out the Equifax form which wanted my ss # Is this legit or another scam. I have not phoned them. Have not heard back from Equifax after they said I was probably impacted. ALERT! EQUIFAX HAS...
by greetje
Sat Jun 03, 2017 10:41 am
Forum: Personal Investments
Topic: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?
Replies: 49
Views: 4728

Re: Convert Portfolio from 70/30 to 30/70 Gradually or All at Once?

Retired here. ages 77 and 80. 3 years ago we decided to reduce our equity portion from 40-60 to 35-65 Problem was that we have all our equity in taxable in 2 Vanguard funds, VLCAX L Cap Stock Adm and VIMAX M. Cap Stock Index Adm. LTCG tax was high as we held these funds for over 30 years and they ha...
by greetje
Sat Oct 01, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Medicare billing question
Replies: 9
Views: 1170

Re: Medicare billing question

I have a problem with my sister in assisted living payments for services provided About 1 or 2x a week they come into the assisted living home to take a blood test. She is on coumadin and needs to be monitored. By THEY I mean draw the blood and transport it to lab for testing in a hospital. That is ...
by greetje
Mon Jul 20, 2015 3:51 pm
Forum: Personal Investments
Topic: 50k to invest , want highest interest rate
Replies: 3
Views: 1191

Re: 50k to invest , want highest interest rate

All at Ally Bank $50000 invested. Assume all are held 1 yr then take the early withdraw penalty and cash in. Option 1---5 yr CD @ 2% = $1000 yr then close and subtract the 5 month EWP (About $83 a month x 5 = $417) $1000-$417= $583 Option 2---3 yr CD @ 1.4% = $700 yr then close and subtract the 3 mo...
by greetje
Fri Jul 10, 2015 3:56 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 6983

Re: What antivirus software?

Geek squad fixed computer and installed Webroot free. Then Ally also offered a free version of Webroot with no exp. date so I installed that as the Best Buy was only good for 6 months.
I have Malware bytes. Should I have windows Defender and Avast instead of Webroot in addition to Malware bytes?
by greetje
Mon May 25, 2015 12:59 pm
Forum: Personal Investments
Topic: an appropriate bond fund for taxable account
Replies: 27
Views: 3955

Re: an appropriate bond fund for taxable account

As we are in late 70s. Holding on to principle of our fixed income portion of our portfolio is important to us. Willing to take our risk in equity portion of our portfolio only. Even with short term bond funds, the duration is about 2.5 years so would take 2.5 years to recoup our money if rates go u...
by greetje
Thu May 14, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Please help me pick the right priced/location condo!
Replies: 7
Views: 990

Re: Please help me pick the right priced/location condo!

I think condo 2 would work fine.
If building equity in a home you don't also need to keep saving at the same rate you are saving now.

To me personally, safety is a must and no way no how would I buy in a unsafe neighborhood. That trumps money.
by greetje
Thu May 14, 2015 9:53 am
Forum: Personal Investments
Topic: How much in cash?
Replies: 35
Views: 9024

Re: How much in cash?

Retired @ 75 and spouse is 78. Equity 35% Fixed Income 65%; Consider all our fixed income cash as it is easily accessible if needed. It is in I Bonds, laddered Cds and S Term Bonds. Also have some in online bank savings paying 1%. Also have 4 checking accounts (Max $15000 each) tied to 4 debit cards...
by greetje
Wed Apr 29, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: LifeLock vs Freezing Credit Reports
Replies: 22
Views: 16074

Re: LifeLock vs Freezing Credit Reports

How do you go about a credit freeze?
by greetje
Sat Apr 25, 2015 10:27 am
Forum: Personal Consumer Issues
Topic: Adequate alternatives to TurboTax?
Replies: 28
Views: 5738

Re: Adequate alternatives to TurboTax?

We have used TT for years, are retired and have a very simple return. Was always satisfied. I just rebalanced our portfolio and in the process will have LTCG in 2015. I went to Taxcaster and put in $23000 LTCG. It estimated that we will have $1283 tax due. So I changed it to a different scenario and...
by greetje
Sat Mar 07, 2015 5:44 am
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 13939

Re: 2 comma club (my way)!!

Just out of curiosity---Does anyone know what percent of US population reaches the "2 comma club?" you mean reached? It is 3.0%. Wondering: Does this include home equity? Does this also include couples worth 1M combined? No, "2 comma club (my way)" is with liquid assets only. My...
by greetje
Fri Mar 06, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 60
Views: 13939

Re: 2 comma club (my way)!!

Just out of curiosity---Does anyone know what percent of US population reaches the "2 comma club?"
by greetje
Thu Sep 04, 2014 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Did you reveal to your kids...your savings and salary
Replies: 75
Views: 9465

Re: Did you reveal to your kids...your savings and salary

We are in our 70s and still have never told out 3 "kids" aged 50 to 58 any of our financial information.
They know we are frugal. We also have no idea what their financial situation is.
by greetje
Mon Sep 01, 2014 11:27 am
Forum: Personal Consumer Issues
Topic: Attitudes toward inheritances.
Replies: 113
Views: 15398

Re: Attitudes toward inheritances.

Inheritances are not all bad! My parents emigrated here legally in late 1940s with 11 children. Very grateful for the family that took on the great responsibility to sponsor a family of 13. We were hard workers and 7 oldest siblings were out of school and went to work. As was the custom in the old c...
by greetje
Fri Aug 29, 2014 3:54 pm
Forum: Personal Investments
Topic: inheritance from Europe taxable here?
Replies: 3
Views: 591

Re: inheritance from Europe taxable here?

Yes cousin was a born and lived abroad and I am US citizen born here. It sounds like no tax due but the form is if we get dividents etc. This estate has been sitting in the bank for 11 years in Holland and it did pay dividents but was put back into the account in the bank. Now that will be divided i...
by greetje
Fri Aug 29, 2014 9:40 am
Forum: Personal Investments
Topic: inheritance from Europe taxable here?
Replies: 3
Views: 591

inheritance from Europe taxable here?

Hello In the process of getting an inheritance from deceased cousin in The Netherlands. Dutch inheritance taxes (about 43%) will be withheld and I will get the balance. When I make out my 2014 US Fed 1099 and Wis. State tax returns will any US or State taxes be due? If not is there a place on the fo...
by greetje
Tue May 27, 2014 5:22 pm
Forum: Personal Consumer Issues
Topic: best way to find one month rental Las Vegas
Replies: 6
Views: 1022

Re: best way to find one month rental Las Vegas

I use VRBO.com (Vacation Rental by owner)
Owners list properties for rent.
Good Luck!
by greetje
Sun Feb 23, 2014 3:23 pm
Forum: Personal Consumer Issues
Topic: Back Up Computer Options
Replies: 50
Views: 4085

Re: Back Up Computer Options

I copy and paste all my documents to my 2 USB scan disk bi monthly. I put these in my safe deposit box. Question---I have a windows Vista but need new computer. Will my old documents in Microsoft Word 2002 and Microsoft Excel 97 open up in the new windows 8.1. I went to Windows 8.1 compatible page a...
by greetje
Fri Jan 31, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

Austintatious wrote:
greetje wrote:

my IRA transfer is jow at P Fed as of 1-30
Well, nothing like a happy ending. Congrats, greetje. You've sweated this one to the very end. Sounds like you and DH are in good shape at PenFed.

Thank you Austintatious. Relief we got in under the wire.
by greetje
Thu Jan 30, 2014 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

What a Penfed rep told me today when I inquired as to whether my funds have arrived: 1. The IRA dept. is about a week behind in processing, but they will honor the rate current on the date that the funds were received. 2. They cannot tell me if my check has arrived until it is processed (?!) I aske...
by greetje
Wed Jan 29, 2014 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can you get a paper certificate for an I Bond?
Replies: 6
Views: 571

Re: Can you get a paper certificate for an I Bond?

We have 2/$5000 paper I Bonds we purchased at bank 11-2011. That was the limit and bought 2 more through TD online the same time. Had limit of 1 paper 1 online for $5000 per SS#. We have them in our safe deposit bank for quick redemption at bank if needed. Then all paper certificates were eliminated...
by greetje
Wed Jan 29, 2014 3:37 pm
Forum: Investing - Theory, News & General
Topic: How long did it take to transfer PenFed IRA from VG?
Replies: 21
Views: 2310

Re: How long did it take to transfer PenFed IRA from VG?

Sorry, I didn't intend to discount your experience. I was just wondering where the holdup was. If PenFed still hasn't gotten around to your application, then sure, you have a perfect right to be annoyed. But I would call if you haven't already -- maybe that second application is actually lost or mi...
by greetje
Tue Jan 28, 2014 7:13 am
Forum: Investing - Theory, News & General
Topic: How long did it take to transfer PenFed IRA from VG?
Replies: 21
Views: 2310

Re: How long did it take to transfer PenFed IRA from VG?

Re: How long did it take to transfer PenFed IRA from VG? Postby aua868s » Tue Jan 28, 2014 4:22 am I sent in my application through USPS to Penfed on Jan 6th. It is a Roth IRA transfer from VG. On Jan 24th, I see 0 dollar balance Roth IRA account in Penfed. I could have walked from my home all the w...
by greetje
Sun Jan 26, 2014 7:37 am
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 10681

Re: Age in Bonds - Who Follows a Different Strategy?

Age - 15 as we age this will be a higher number. We're 75 and retired and our live off our SS and investments with no pension. As we have I Bonds and laddered CDs to last at least 10 years we may never need the equity portion of our portfolio. Right now, if we sell any of our equities the taxes woul...
by greetje
Sat Jan 25, 2014 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

What a Penfed rep told me today when I inquired as to whether my funds have arrived: 1. The IRA dept. is about a week behind in processing, but they will honor the rate current on the date that the funds were received. 2. They cannot tell me if my check has arrived until it is processed (?!) I aske...
by greetje
Sat Jan 25, 2014 11:12 am
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 380
Views: 68589

Re: Keep cash for a down period

retiredjg wrote:
Sheepdog wrote:If you are retired and are selling investments for expenses, have at least three years of your normal distribution needs in cash accounts so that you don't have to sell when the markets, both stock and bonds, are low.
Me too.[/quot

We do 5-7 years.
by greetje
Thu Jan 23, 2014 6:01 am
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

I've been following this feeding frenzy with some interest. One question that comes to mind is, wouldn't one expect that interest rates on CDs would be HIGHER in February? Or are folks expecting it to be lower because of all the new money pouring into PF CDs? I think if rates were going to be highe...
by greetje
Wed Jan 22, 2014 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

Greetje update Hubby's took about the same 13 days from mailing to showing up at P Fed as Victoria's, but mine has been 12 days and is still not at Vanguard. I mailed mine the 7th to P Fed, they told me at P Fed they mailed it to Vanguard the 11th but still not at VANGUARD the 18th. Then they still...
by greetje
Tue Jan 21, 2014 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

Greetje update Hubby's took about the same 13 days from mailing to showing up at P Fed as Victoria's, but mine has been 12 days and is still not at Vanguard. I mailed mine the 7th to P Fed, they told me at P Fed they mailed it to Vanguard the 11th but still not at VANGUARD the 18th. Then they still ...
by greetje
Mon Jan 20, 2014 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...
by greetje
Sun Jan 19, 2014 7:40 am
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

1-12-14 update Above I wrote "Today we went to vanguard and the one from hubby is now on way to P Fed. as his Vanguard IRA account says transferred on 1-8-14 and he has $0.00 in account. " Today 1-12-14 Hubby's P Fed account still shows 0.00 there too. So were is it greetje, it took 8 cal...
by greetje
Sun Jan 19, 2014 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

As I just posted in another thread, wouldn't it be ironic if PenFed raised their rates in February? According to a poster in that thread, a PenFed rep said that rates in February would be higher! We were hearing rumors of the 3% CD in November and it was hard to believe, so who knows? Maybe those o...
by greetje
Sat Jan 18, 2014 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

04 Jan 2014 - mailed forms to PenFed as a certified letter 10 Jan 2014 - a "Roth IRA" tab has appeared in my PenFed account and a "Pending transaction" note has appeared in my Vanguard account. 11 Jan 2014 - the funds (the correct amount) were deducted from my Vanguard account. ...
by greetje
Fri Jan 17, 2014 6:34 am
Forum: Personal Finance (Not Investing)
Topic: Questions about filling out PenFed IRA CD forms
Replies: 118
Views: 45851

Re: Questions about filling out PenFed IRA CD forms

We mailed papers to Penfed on Satuday, 1/4. A few days ago I wasn't seeing nothing on the PenFed site. Now, I see an entry for IRA Share Traditional with a zero balance. So, I guess that means they got our paperwork. I haven't seen anything on the Vanguard side though. As a child my mother always t...