Search found 29 matches

by goldensam
Tue Sep 25, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling vested pension into IRA
Replies: 6
Views: 335

Re: Rolling vested pension into IRA

What is the monthly (or annual) payout that you are giving up by taking the lump sum? When would it start? What is the survivor benefit? Need more info! Giving up a guaranteed pension (esp one that is COLA'd) for a lump sum can be a very, very bad deal in many cases. I am not 100% sure how to calcu...
by goldensam
Tue Sep 25, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Rolling vested pension into IRA
Replies: 6
Views: 335

Rolling vested pension into IRA

I recently left a company that had a pension. The vested amount is approximately $21,000. The plan offers a few options for accessing the money, including cashing it out, which would be subject to tax plus 10% penalty because I am under 59.5, and rolling it to a traditional or Roth IRA. It does stat...
by goldensam
Tue Sep 11, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your medical expenses for future HSA withdrawals?
Replies: 3
Views: 384

How do you track your medical expenses for future HSA withdrawals?

I have a HDHP with an HSA for the first time this year and am on track to max it out. I've already had a few thousand OOP in medical expenses this year but have been able to cash flow them up to this point. My plan is to continue to cash flow OOP costs and let the money in the HSA grow. I am not sur...
by goldensam
Wed Jul 18, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone have experience with Redneck bank?
Replies: 13
Views: 1664

Re: Anyone have experience with Redneck bank?

My emergency fund is there. I've been happy with them.
by goldensam
Wed Jun 13, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2668

Re: Subaru infotainment issues -can people chime in?

Can anyone who ownes a outback from 2017-2018 models please say if they DONT have issues as well as if they do. I want to know if its just dashed expectations or a real issue. For clarity, the 2017 Outback (and Legacy) head unit is different than the one introduced in model year 2018; I have a 2017...
by goldensam
Wed Jun 13, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2668

Re: Subaru infotainment issues -can people chime in?

I doubt they will buy the vehicle back because the entertainment system is not working properly. It's not just that the "entertainment system is not working properly." I can't use my backup camera or GPS, and various other electrical issues included in my post, and some that aren't. I have had it i...
by goldensam
Tue Jun 12, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2668

Re: Subaru infotainment issues -can people chime in?

I should add, the speed limit issue has only happened when the head unit is also frozen. Subaru is currently looking into the complaint I have logged and they told me the speed limit was controlled by what tomtom sends them and I should log a complaint with them. If it were happening when the head u...
by goldensam
Tue Jun 12, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: Subaru infotainment issues -can people chime in?
Replies: 26
Views: 2668

Re: Subaru infotainment issues -can people chime in?

I am having a ton of issues with the head unit. I posted about it here: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=245624 This was what I said: I bought a 2018 Outback in September and have had nothing but problems with the head unit. I have already had it back to the dealership three tim...
by goldensam
Mon Jun 11, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6893

Re: Need advice on 1st international vacation

This is a well-timed thread for me. I am looking into taking my first international vacation and I will be traveling alone. This has been very useful.
by goldensam
Fri Jun 01, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: What is a lemon? 2018 Outback Infotainment issues
Replies: 21
Views: 5321

Re: What is a lemon? 2018 Outback Infotainment issues

I bought a 2018 Outback in September and have had nothing but problems with the head unit. I have already had it back to the dealership three times for issues where the head unit freezes on either a black screen, white screen, or the starry screen, and I am unable to use the back up camera, GPS, or ...
by goldensam
Mon Mar 26, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Did I make a mistake changing the funds in my portfolio?
Replies: 9
Views: 1030

Did I make a mistake changing the funds in my portfolio?

Hi all. I have had my rollover and Roth IRAs invested in Vanguard Target Retirement 2060 (VTTSX) for several years. I recently moved 100% of these two accounts (approximately $245k) to a three fund portfolio to take advantage of the lower expense ratios since there was enough in each to qualify for ...
by goldensam
Sun Feb 04, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6167

Re: New Subaru Outback vs. used Volvo XC-70

tomd37 wrote: ↑
Sun Feb 04, 2018 10:56 am
At age 80 ease of entry/exit
I am in my 30s but last summer I had surgery on both knees, which made getting in and out of my Accord a challenge. The Outback has proven to be the perfect height for me to get in and out easily without aggravating my knees, which are still in the healing process.
by goldensam
Fri Feb 02, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback vs. used Volvo XC-70
Replies: 53
Views: 6167

Re: New Subaru Outback vs. used Volvo XC-70

I've owned a 2018 Outback 3.6R Limited for about 4 months now and I absolutely love it. I agonized over buying one for three years and finally took the plunge. The ride is great, visibility is good, and I feel safe, plus I love the way it looks inside and out. It's also great for hauling around my d...
by goldensam
Tue Nov 21, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Outback
Replies: 24
Views: 4232

Re: Honda CR-V vs Subaru Outback

I have had my 2018 Outback for almost two months and I absolutely love it. It took me three years to finally pull the trigger and I'm glad I did. I haven't taken it on any long trips yet, but I've done approximately 2 hour stretches with no issues (and I have back issues in general).
by goldensam
Thu Oct 19, 2017 8:50 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 58
Views: 7803

Re: Outback Vs Forester Vs CR-V ??

I just purchased a 2018 Outback after wanting one for a few years. So far, I really like it. I feel safe, I like the ride, and it's very functional for my lifestyle (hauling big dogs around).
by goldensam
Thu Sep 28, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 13000

Re: 2018 Subaru Outback

I'm picking up my new Outback tomorrow! I'm excited, but also freaking out a little. :happy
by goldensam
Thu Sep 21, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 13000

Re: 2018 Subaru Outback

Thanks for the input! I will definitely get Eyesight, as the safety features are one of the reasons I want a Subaru. Unfortunately I will be commuting in it a few days a week and I'm sure I'll miss my more fuel efficient sedan, but after a few years of obsessing about getting an Outback, I think I'm...
by goldensam
Mon Sep 04, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: 2018 Subaru Outback
Replies: 65
Views: 13000

2018 Subaru Outback

I am seriously considering purchasing a 2018 Outback to replace my 2010 Accord. It certainly fits my lifestyle of hauling big dogs around better than a sedan! I wanted to get some feedback on here from anyone who has a newer model. Thanks!
by goldensam
Thu May 11, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 4040

Re: Sunscreen for men in office environment

Elta MD makes a great line of sunscreens that a lot of dermatologists recommend. There is a bit of shine to it but I think that is inevitable with a high quality sunscreen. It's a good kind of shine though, makes the skin look healthy rather that greasy. They make a tinted version if your skin is d...
by goldensam
Wed Feb 22, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 9974

Re: Which puppy to buy: golden retriever or labrador retriever?

I am on the board of a golden retriever rescue. Please consider going this route. We have dogs of all ages and unfortunately, there is a constant need for rescue, so we are always getting in new dogs. Our goldens are fully vetted prior to adoption and because they live in a foster home, our voluntee...
by goldensam
Thu Jan 26, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Switching from AT&T post paid contract to GoPhone
Replies: 11
Views: 2304

Switching from AT&T post paid contract to GoPhone

I am considering switching from my AT&T post paid contract to a GoPhone plan. Currently, I pay approximately $110/month for unlimited everything, including data (grandfathered plan). This is after my generous discount I get through my employer. My previous employer paid my entire bill each month, so...
by goldensam
Thu Jan 19, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: 2010 Honda Accord Question
Replies: 9
Views: 1224

Re: 2010 Honda Accord Question

I drive a 2010 Accord with 111k miles on it that I bought new in 2009. One major issue I had was the engine misfired and it was under recall, but only after it happened, nothing they would (could?) do that was preventative. It misfired on the way home from work and I had to have it towed to the deal...
by goldensam
Wed Dec 21, 2016 8:05 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 9934

Re: Hard Endeavor/Exercise in Middle Age

I am 32 and recently started taking barre classes. It is a ballet/pilates/yoga-fusion and the workout is incredible.
by goldensam
Wed Aug 03, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: To Lasik or not?
Replies: 34
Views: 3350

Re: To Lasik or not?

I did it about 4.5 years ago. My only regret is not doing it sooner.
by goldensam
Wed May 11, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Advice for a dog bed
Replies: 12
Views: 2159

Re: Advice for a dog bed

I have two senior golden retrievers, one who has bad hips, back, and a new knee. We have several beds throughout the house, all from P.L.A.Y (Pet Lifestyle and You) and Buddy Beds (orthopedic bed). They were pricey but have been well worth the expense.
by goldensam
Tue Mar 22, 2016 8:48 am
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 4030

Re: Repair old car or buy new? A car illiterate needs some help

Between the 90k maintenance, two new tires, and a few repairs, I spent approx $2500+ in December and January on my paid-off 2010 Accord. No it wasn't fun, but it's a heck of a lot cheaper than car payment and that thing is just getting broken in.
by goldensam
Thu Feb 11, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Motivation to do Yoga / stretch more
Replies: 32
Views: 3079

Re: Motivation to do Yoga / stretch more

I also recommend taking a beginner course or a few classes with an experienced instructor to learn some of the basics before starting on your own. For home, I like DVDs from Travis Eliot (including this one http://www.theultimateyogi.com/short-and-sweet/).
by goldensam
Thu Feb 11, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Having Issues
Replies: 16
Views: 2048

Re: Vanguard Website Having Issues

Thanks. I am having issues with it, too, but was able to do an exchange on the mobile app. I also can't change any automatic investments this morning.
by goldensam
Sun Jun 14, 2015 5:51 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 4338

Re: Which is a best place to start learning yoga?

I took a beginner series at a local studio. It was great for learning the basics and proper form. Then I bought packages of classes and tried several types of yoga. I still have some classes left to use but I have some DVDs by Travis Eliot that I really like to use at home. I like yoga because while...