Search found 152 matches

by sandramjet
Sun Oct 08, 2017 12:41 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11212

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Generally I've liked this ... get to see what's coming in the mail, usually junk mail. Today I found out one downside ... I got the email and it shows an official looking document from IRS is coming. Then you spend the next few hours racking your brain for what it could be ... and envisioning the wo...
by sandramjet
Fri Oct 06, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 13
Views: 954

Re: Washington GET 529 Reopened: Good deal?

We dont so far plan to do it as I think there is a good chance our kids will go out of state (especially since i want them to go somewhere warmer so i can visit to escape winter) The deal doesn't seem so good if your kid goes out of state why does it matter where your kids go to school? Agreed... y...
by sandramjet
Mon Oct 02, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Question on Roth Conversion theory
Replies: 23
Views: 1191

Re: Question on Roth Conversion theory

Whether it is smart or not depends on other things as well, such as if either have existing pre-tax IRA's, etc...
by sandramjet
Fri Sep 29, 2017 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETF settlement dates? is it 1 day? or?
Replies: 12
Views: 526

Re: VG ETF settlement dates? is it 1 day? or?

Yes, this is a "normal" warning... it just says you can't sell the shares you are currently buying BEFORE the previous trade that generated the cashh to buy settles.
by sandramjet
Fri Sep 29, 2017 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Brokerage Accounts
Replies: 41
Views: 2814

Re: Vanguard Brokerage Accounts

Bogleheads - I have a few questions related to the Vanguard Brokerage Accounts otherwise known as the "upgrade" that is noted on the website. Overall How has the new brokerage accounts worked for you? Do you like them better than mutual fund accounts? Dividend Income & Fractional Shares Does a brok...
by sandramjet
Mon Sep 25, 2017 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Proposing a standard for asset allocation notation: 60+15/25
Replies: 12
Views: 1245

Re: Proposing a standard for asset allocation notation: 60+15/25

Could I suggest: 60+15/25 That represents a 75% stocks, 25% bonds, with 20% of the stock allocation in international. Maybe I'm a bit slow... but how would I know that 20% of the allocation is international? I don't see a "20" anywhere in there. BTW, what would be wrong with just doing 60/15/25 (US...
by sandramjet
Mon Sep 25, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11597

Re: Lifestyle Creep

JBTX wrote: For years we are 2 income family and have done a good job of controlling the big expenses - our house is modest for our income and the most we've ever spent on a car is $24 and we tend to run them to the ground.
Wow... I wish I could figure out how to get a car for $24!
by sandramjet
Mon Sep 25, 2017 12:28 am
Forum: Forum Issues and Administration
Topic: How to make a first post?
Replies: 5
Views: 763

Re: How to make a first post?

I agree with Taylor that I think it should be more obvious. At the very least, if the expectation is that you would go to the FAQ's to find that info, why not put a link to the FAQ's on the home page as well as in the forum pages? Seems like there are a lot of little things that you have to know (or...
by sandramjet
Thu Sep 21, 2017 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: IRA to Roth conversion now (age 68) or RMD?
Replies: 29
Views: 1711

Re: IRA to Roth conversion now (age 68) or RMD?

patrick013 wrote: ↑
Wed Sep 20, 2017 7:20 pm
Married filing jointly has a 25% tax rate for AGI between
$75901 and $153100.
I thought brackets were based on taxable income, not AGI?
by sandramjet
Mon Sep 11, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: 24 care home care for family member
Replies: 23
Views: 2273

Re: 24 care home care for family member

Based on our family's experience ... Not cheap, but very doable if you are willing to put time & money into it. Our experience has been very positive, and we have not had any issues with theft, etc. It does take someone in family willing to manage all the care givers (you will need to have more than...
by sandramjet
Mon Sep 04, 2017 9:06 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60148

Re: Forum software upgrade bug reports and change requests

I use desktop/tablets... not mobile (I'm one of those who still use a flip phone!)
by sandramjet
Mon Sep 04, 2017 5:11 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60148

Re: Forum software upgrade bug reports and change requests

Apologies if this was covered in earlier posts (i didn't see it)... but the "page numbers" on the main page are no longer shown... so that means I have to click on the first page, then click on the page number to jump to a given page. This seems to be a step backward... requiring more clicks rather ...
by sandramjet
Mon Aug 28, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 1613

Re: Laptop: 2-in-1 vs. Detachable?

I have an HP Spectre X2 (which is really sort of a Surface Pro imitation) with a keyboard that can either detach or just fold back on itself... I find rarely detach it (maybe cause I'm afraid I'll lose it??) and usually just fold it back. I find that arrangement works well, and is just as comfortabl...
by sandramjet
Wed Aug 16, 2017 11:18 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 427
Views: 60148

Re: Forum software upgrade bug reports and change requests

When I scroll to the bottom of a topic page, there is a link to go back to topic index, but it appears there is not a link to go back to the main board index. In hte past I recall there were 2 links ... one to the board index, and one to the main page index (that which you get from clicking the link...
by sandramjet
Tue Aug 01, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33635

Re: Tesla Model 3 or Chevy Bolt?

I have a feeling Tesla will start to include the enhanced autopilot feature as standard once the Federal tax credit ends, to compensate for that loss. Since the cars will have all of the hardware necessary, it won't be difficult to do. That would tick me off since I paid 5k and it still drives like...
by sandramjet
Mon Jul 31, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 or Chevy Bolt?
Replies: 330
Views: 33635

Re: Tesla Model 3 or Chevy Bolt?

TomatoTomahto wrote: folks with the colorful lights on their cars will stop me if I take off more clothes than I should when the cabin is warmer than I like
Now that's a mental picture I did not expect to get from this forum! :D
by sandramjet
Sun Jul 30, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Estimate for painting home interior
Replies: 19
Views: 2017

Re: Estimate for painting home interior

Not unlike my experience... Called 6 painters, each came out and walked through house. One came back with "Gosh, its a big job. How about if we start just going hourly and then see how its going", one (well known locally) came back with a very professional estimate, including what would be done, and...
by sandramjet
Sat Jul 08, 2017 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 329
Views: 125458

Re: Retiree Portfolio Model

I have a question regarding the philosophy behind the social security calculations and display...where one is modeling the earlier death of a spouse (like George in your provided example), why is his social security benefit still being paid out after his death? If you play around with the model I t...
by sandramjet
Fri Jul 07, 2017 12:08 am
Forum: Personal Consumer Issues
Topic: Task management / organizing app
Replies: 52
Views: 2263

Re: Task management / organizing app

My spouse and I just use google calendar on our mobile devices (and desktop too). You can have more than one calendar visible, color coded by person so you see who is doing what. Maybe not perfect, but free and easy
by sandramjet
Thu Jul 06, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 3170

Re: Do you keep a balance in your settlement fund?

Hmmm... I thought mine had been upgraded... all my accounts show a mix of stocks/etf/funds in same account ... is there some way to tell if they are "old" or upgraded? I'd hate to ask Vanguard and have it cause a change! :?
by sandramjet
Thu Jul 06, 2017 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you keep a balance in your settlement fund?
Replies: 30
Views: 3170

Re: Do you keep a balance in your settlement fund?

Under the old system, you could keep a $0 balance in your settlement acct. and they would automatically transfer the exact amount of money from your Prime MM to cover any check you wrote. Under the new "upgrade", that's no longer true. If you don't have enough $$ in your settlement acct., your chec...
by sandramjet
Sun Jul 02, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Transfers (Account Owners/Beneficiary)
Replies: 1
Views: 255

529 Transfers (Account Owners/Beneficiary)

I would like to get some advice on what can be done with regard to 529 plan transfers. I know that you can change beneficiaries to other siblings, etc. but in this case there is a question of changing both account owner and beneficiary. Here's an outline of situation Person A opened a 529 for Person...
by sandramjet
Tue Jun 27, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 248
Views: 29514

Re: Where to Live on $60K or Less a Year?

Have you considered some places further west? For example, what about a location like Spokane, WA. (I think it comes close to most of your criteria) or perhaps places in eastern Oregon or Idaho?
by sandramjet
Mon Jun 26, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 4569

Re: Looking into selling a structured settlement and need some advice

TOPSZN wrote:Just as an update, they did update their offer to 1,120,000.
I think the fact that they are updating their offer is further evidence this is not a good deal for you. They are simply trying to get it for the lowest cost from you, and maximize profit for them...
by sandramjet
Tue Jun 13, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 574
Views: 150834

Re: Share your net worth progression

We've estimated that the last one probably cost us an extra $90,000 - $100,000 total since was born in 2012. Maybe a little more. That is on the high side considering the following quote: The average cost of raising a child born in 2013 up until age 18 for a middle-income family in the U.S. is appr...
by sandramjet
Tue Jun 13, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Lithium ion yard equipment batteries
Replies: 19
Views: 1253

Re: Lithium ion yard equipment batteries

I had a Toro battery powered mower for years and loved it. It didn't have any fancy batterys, just basic conventional ones....much to my surprise the batteries outlasted the rest of the mower. But when I replaced it 3 years ago, I "upgraded" to a Kobalt Li-Ion mower. :oops: Specs looked much better,...
by sandramjet
Sun Jun 11, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 8143

Re: Poll: Stock Ownership

So how representative a cross section is this poll? How many responses relative to boglehead membership?
by sandramjet
Sat Jun 10, 2017 4:32 pm
Forum: Investing - Theory, News & General
Topic: Using Funded Ratio to drive retirement investment plan - Part 1 of Funded Ratio series
Replies: 72
Views: 7431

Re: Using Funded Ratio to drive retirement investment plan-Part 1 FR

I know I have commented on this before, and probably I just don't get it... but while I see the usefulness of the FR for assessing where you are relative to a defined goal, the problem as I see it is setting that goal. The suggestion is that about 15 years before retirement you start moving your por...
by sandramjet
Thu Jun 08, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 7851

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

If you own the whole market, you can brag that you do in fact own ALL of those!
by sandramjet
Thu Jun 08, 2017 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with a personal finance cynic
Replies: 109
Views: 7026

Re: How to deal with a personal finance cynic

I would point him to the wiki first to get basic understanding. Don't have him look at the forums until he understands the basics (including how things scale). I also think that if you read the forum, you are more likely to feel like this is a forum of "1%ers" than of "ordinary" folks. Yes, you can ...
by sandramjet
Wed Jun 07, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series
Replies: 16
Views: 1763

Re: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series

Thanks for all the various papers on the covered call strategy. I have not read through all of them, but of the ones that I did, they seem to all have various disclaimers such as using option strategies may be tax inefficient, or transaction costs and fees may are not included, etc. (This is what I ...
by sandramjet
Tue Jun 06, 2017 8:04 pm
Forum: Investing - Theory, News & General
Topic: The Funded Ratio over the LifeCycle - Part 3 of Funded Ratio series
Replies: 16
Views: 1763

Re: The Funded Ratio over the Life-Cycle -Part 3 Funded Ratio

Such a strategy slightly reduces the expected return on the equity position, but in return the volatility of the equity position is significantly reduced. Using covered calls on the equity portion of the portfolio increases the probability of the investor reaching his income goal, but at the cost o...
by sandramjet
Tue Jun 06, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 329
Views: 125458

Re: Retiree Portfolio Model

I just noticed something by accident, and wonder if it is by design or not... I created a model and did not bother to put an "ending" age in for one of the two people. Interestingly, that means that the "age for switching to single" tax model was shown as "0", and more surprising (at least to me) wa...
by sandramjet
Thu Jun 01, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: What makes a Conservative BHer? for retirement purposes
Replies: 16
Views: 1581

Re: What makes a Conservative BHer? for retirement purposes

My question would be "why do I care"? :confused This is one of those things that is completely subjective (what is conservative for one might be aggressive for someone else).... and in the end why does it matter? Why do we need to "label" things? All I need to know is whether I believe I will have e...
by sandramjet
Mon May 29, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: EE and I Bonds
Replies: 44
Views: 4434

Re: EE and I Bonds

Why would you plan on holding I Bonds at 0% real for 20 years with the 20-year TIPS yield at 0.77%? Daily Treasury Real Yield Curve Rates . Kevin That's why I'm not buying iBonds ... I'm spoiled by the ones I have that are paying from about 1 to 3 percent fixed + adjustment.... Of course, those hav...
by sandramjet
Mon May 22, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: treasurydirect conversion account transfer question
Replies: 17
Views: 1949

Re: treasurydirect conversion account transfer question

When I follow these directions, it shows a statement that says in part: "I also certify that this transfer is for the purpose of making a gift (or in response to a final judgement....." Is it safe to assume that moving from a conversion account to the regular account would qualify as "...
by sandramjet
Wed May 03, 2017 11:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31471

Re: Your USER NAME...what does it mean?

I interpret this as being the same as saying : (3Factorial * 4Factorial) /(5 Factorial). Which is

(1*2*3)*(1*2*3*4)
--------------------- which is the same as 6/5 = 1.2
1*2*3*5
by sandramjet
Sat Apr 29, 2017 11:06 pm
Forum: Personal Consumer Issues
Topic: Need a car for 9-12 months
Replies: 21
Views: 1998

Re: Need a car for 9-12 months

We have for many years helped exchange students at a local school that are here for a year to buy an inexpensive used car, then sell it again in 12 months. Just don't overpay, find a decent reliable car (talk to your local mechanic if need be). We've bought/sold about 20 cars. Never had a (serious) ...
by sandramjet
Fri Apr 28, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 77
Views: 10867

Re: Senior Lifetime National Parks Pass Fee Going Up

Excellent points. At $10 each for a lifetime senior pass, I'd buy one for each eligible person. I'd don't think I'd do it at $80 each. If you go camping, even at 80 each it can be a heck of a deal. It not only gets you in the park for free, you get half price camping at the campgrounds. That can sa...
by sandramjet
Thu Apr 27, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 5088

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

this seems like an overly conservative approach but wanted others input. say you are paying 3k/month mortgage, and property taxes and insurance are 5k/year. i find it hard to believe once the mortgage is gone i would need to save this much for home upkeep. anyone have any experience here? My expect...
by sandramjet
Thu Apr 27, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 1225

Re: Phone For Japan?

Verizon has verified my phone will work in Japan.
by sandramjet
Thu Apr 27, 2017 10:04 am
Forum: Personal Consumer Issues
Topic: Phone For Japan?
Replies: 16
Views: 1225

Phone For Japan?

I'll be spending up to 10 months in Japan. I currently have a Verizon based smartphone (Pixel). Looking for ideas on best way to have phone access in Japan. I'll need to be able to call to Japanese numbers, as well as US numbers. Should I just pay for the Verizon international plan, or try to unlock...
by sandramjet
Mon Apr 17, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard Energy (VGENX)
Replies: 18
Views: 2318

Re: Opinion on Vanguard Energy (VGENX)

Actually, at his age I'd leave it alone...that way he will learn about whether it is better or not to specialize (speculate?) in sector funds. I'd encourage him to read the bogleheads guide, then let him decide if he wants that particular tilt or distribution. The other thing to think about is what ...
by sandramjet
Mon Apr 17, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Win 10 issues [Windows 10]
Replies: 35
Views: 4553

Re: Win 10 issues [Windows 10]

just open the windows explorer widget (looks like a file folder on the taskbar). Enter your search term in upper right corner field that has a magnifying glass icon. works just like in win7, etc.
by sandramjet
Fri Apr 14, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 7422

Anyone else decided not to finish med school?

We have some friends whose son went to medical school. He finished the first year, and started into the second year when he decided to not pursue it anymore, for a few reasons (among them amount of debt needed to finish, and the impact to time with spouse, realizing that he won't make tons of money ...
by sandramjet
Wed Apr 05, 2017 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Tax Management in preparation for retirement
Replies: 29
Views: 2151

Re: Tax Management in preparation for retirement

You might try modeling the Roth Conversions using BigFoot48's "Retiree Portfolio Model".
by sandramjet
Wed Apr 05, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1852
Views: 1121931

Re: The Three-Fund Portfolio

Bogleheads: Today was the end of the first quarter of 2017. I linked to MarketWatch and was pleased to learn that Allan Roth's "Second Grader's Starter" (Three-Fund Portfolio) continues to lead eight expertly-designed portfolios for the past 1 year, 3 years, 5 years and 10 years. m Past p...
by sandramjet
Tue Apr 04, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Early retirees - how did you inform your loved ones and friends?
Replies: 54
Views: 6285

Re: Early retirees - how did you inform your loved ones and friends?

Any one who read our holiday letter we typically send out found out if they read the one line that mentioned it.
(Of the ones we sent out and heard from, only 3 people read it...maybe I shouldn't bother to send out so many holiday letters! :D )
by sandramjet
Tue Apr 04, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Value of your social security tax contributions "account"
Replies: 15
Views: 1885

Re: Value of your social security tax contributions "account"

I realize you put "my account" in quotes, indicating you realize you don't actually have an account, but I think this point is really important. SS is not an "investment" it is much more of an "insurance". It has elements of annuities, disability insurance, benefits for...
by sandramjet
Sun Apr 02, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Weird house buying experience
Replies: 123
Views: 7855

Re: Weird house buying experience

I'm reminded of the old saying "Anytime someone says it's not the money, its the principle ... its really the money". You need to decide if it is the money, and whether that matters. If it is, drop the house and move on. If not, forget it.