Search found 29 matches

by Bogleer
Fri Aug 30, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 796
Views: 257972

Re: Retiree Portfolio Model

New user of the RPM spreadsheet here (version 19.1a). Great tool and I'd like to add my thanks to BigFoot48 for all his efforts, and to those who are on this thread answering questions for those of us who are new users. I've been playing around with RPM for a week or so and I think I may have found ...
by Bogleer
Tue Dec 04, 2018 7:37 am
Forum: Personal Investments
Topic: Schwab vs Fidelity for checking account + Passive Investment
Replies: 16
Views: 3834

Re: Schwab vs Fidelity for checking account + Passive Investment

I've been using the Fidelity CMA account for bill pay, checking, ATM, etc. and have been pretty happy. I agree with all the others on the positives. One thing I've found very irritating that may not be important to you...Fidelity refuses to raise my daily ATM limit above $500. I like to have cash an...
by Bogleer
Tue Apr 10, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6240

Re: Anyone tried a sunrise alarm clock?

Sandtrap wrote:
Tue Apr 10, 2018 9:44 am

Actionably: Leave the curtains open and let the morning light stream in full blast. Might help.
I actually do this, and it wakes me too. Not too helpful when you need to get up before sunrise though. :wink:
by Bogleer
Mon Apr 09, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6240

Re: Anyone tried a sunrise alarm clock?

What's a "sunrise alarm clock"? The clock we have in our bedroom is a digital clock-radio with an old-style 30-pin Apple port on which we have docked an iPod containing wake-up music. It fires when the alarm time hits. As you may have guessed by now, a sunrise alarm clock is one where a light is gr...
by Bogleer
Mon Apr 09, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 55
Views: 6240

Anyone tried a sunrise alarm clock?

I'm planning to buy a sunrise alarm clock. Most sites recommend one of the Phillips clocks that are either ~$120 or ~$180. But there are quite a few others with good reviews on Amazon for around $30. Unfortunately, most don't tell how bright they are (the Phillips does). Has anyone tried one of thes...
by Bogleer
Wed Nov 08, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 2669

Re: What is the story with the Apple iWatch Series 3?

...the weight-training app I use is brilliant, guiding me through the exercises, showing me how many reps I did last time, and timing my rest intervals, all with my phone back in the locker (and music playing in my AirPods). Can you share the name of the weight-training app? I'd love to give it a t...
by Bogleer
Wed Nov 08, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: What is the story with the Apple iWatch Series 3?
Replies: 26
Views: 2669

Re: What is the story with the Apple iWatch Series 3?

...the weight-training app I use is brilliant, guiding me through the exercises, showing me how many reps I did last time, and timing my rest intervals, all with my phone back in the locker (and music playing in my AirPods). Can you share the name of the weight-training app? I'd love to give it a t...
by Bogleer
Thu Jan 29, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: 403b 457b (government) and h&r block
Replies: 15
Views: 2287

Re: 403b 457b (government) and h&r block

My wife contributes max to her 403b and 457b each year as well. Additionally, I've used HR Block for several years. When I answer the questions, the software has immediately flagged that she has contributed more than allowed and asks if she has a higher limit...and then I enter the higher limit. I'v...
by Bogleer
Wed Mar 23, 2011 7:53 am
Forum: Personal Finance (Not Investing)
Topic: What to do about small tax mistake?
Replies: 2
Views: 776

What to do about small tax mistake?

Hi all, I just discovered that I reported $75 in dividends while the DIV-1099 actually say $82 and change. I filed electronically several days ago. Do I go ahead and file an ammended return now, or wait until the IRS completes whatever action they may take? Crap! What a dummy I am. This hassle for a...
by Bogleer
Thu Jan 20, 2011 2:43 pm
Forum: Personal Investments
Topic: TIAA-CREF help - RA v GSRA
Replies: 21
Views: 9580

In my wife's plan, her main retirement contribution goes into an GRA and her institution matches that contribution which also goes into the GRA. This plan is NOT optional. That is she is required to put in x% and they match x% which all goes into the GRA. She optionally can put money (up to the $165...
by Bogleer
Sat Dec 11, 2010 7:29 pm
Forum: Personal Investments
Topic: Taxable at Fidelity: Spartan Funds or iShares
Replies: 14
Views: 2275

MCSquared, to clarify: Let's say I open the fund in Jan with 10k. In Feb I buy 2k more. In Mar, I buy 2k more. In April, I buy 2k more. Assume all these are on the same day of the month and assume that the total return on the fund is zero over that time. I now have 16k in the fund. Let's assume on t...
by Bogleer
Sat Dec 11, 2010 5:03 pm
Forum: Personal Investments
Topic: Taxable at Fidelity: Spartan Funds or iShares
Replies: 14
Views: 2275

How exactly does the redemption fee work? If I open the account and add to it each month for a couple of years, then sell some, do they sell the oldest shares first? Does this depend on which method of accounting I choose?
by Bogleer
Sat Dec 11, 2010 4:14 pm
Forum: Personal Investments
Topic: Taxable at Fidelity: Spartan Funds or iShares
Replies: 14
Views: 2275

DSInvestor, thanks for the reply. I was sorta leaning toward the Spartan funds, but wanted to make sure I wasn't giving anything up. Although (for now) I don't plan to autmate my purchases, that could always change.
by Bogleer
Sat Dec 11, 2010 2:30 pm
Forum: Personal Investments
Topic: Taxable at Fidelity: Spartan Funds or iShares
Replies: 14
Views: 2275

Taxable at Fidelity: Spartan Funds or iShares

Hi all, I have a taxable account at Fidelity currently just emergency and short term cash. Our tax deferred space is all filled up and I'm ready to start taxable investing. I've decided to start with two index funds consisting of 2/3 US stock market, 1/3 international. What I can't decide is if I sh...
by Bogleer
Fri Nov 05, 2010 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Addtional principal payments for PenFed Mortgage
Replies: 15
Views: 4985

Porcupine, First, I hope I didn't offend you...I certainly didn't mean to. Second, thanks for the detailed reply. I'll have to check that out. I am aware that the website underwent a redesign. Within the last month, I attempted to make a principal only payment to a personal loan and had to call to d...
by Bogleer
Fri Nov 05, 2010 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Addtional principal payments for PenFed Mortgage
Replies: 15
Views: 4985

I have been making one off payments against my PenFed mortgage principal for quite some time now, and do not understand why you are having trouble. Would you mind stepping me through your steps to see if I can determine which step you need to change? - Porcupine I'm not sure what a "one off payment...
by Bogleer
Wed Nov 03, 2010 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Addtional principal payments for PenFed Mortgage
Replies: 15
Views: 4985

Not possible with Pen Fed. It's a major PIA with them. You have to call to make one time principle payments. I've sent electronic payments to them with "principal only" in the memo section only to have to call PenFed to get it straightened out. They have good products and rates, but there web site i...
by Bogleer
Fri Mar 05, 2010 12:21 pm
Forum: Personal Investments
Topic: nondectible IRA to Roth question
Replies: 2
Views: 634

nondectible IRA to Roth question

Hi folks, Quick question. Wife and I aren't eligible for Roth IRAs. We want to contribute to nondectible IRAs and convert to Roth immediately. I've already filed taxes for 2009. If I fund nondeductible IRA's and convert for tax year 2009, will I have to refile? Obviously, this is not going to affect...
by Bogleer
Thu Jan 28, 2010 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2010 AMT and withholdings
Replies: 3
Views: 908

Thanks for the reply. I had to look up "safe harbor". If I understand correctly, if I withhold enough (based on last years total tax), then even if we end up owing a large amount, there won't be a penalty? If this is correct, then this is a pretty obvious solution...thanks for enlightening the ingor...
by Bogleer
Thu Jan 28, 2010 10:47 am
Forum: Personal Finance (Not Investing)
Topic: 2010 AMT and withholdings
Replies: 3
Views: 908

2010 AMT and withholdings

Hello all, We are right on the cusp of having to pay AMT for 2009 and will be getting a fairly large tax refund. The bottom line is that if there is no AMT patch for 2010, then our withholdings are just about perfect. If they do indeed pass another patch, then we are again looking at getting a large...
by Bogleer
Thu Oct 16, 2008 1:29 pm
Forum: Personal Investments
Topic: 2009 401k limits?
Replies: 15
Views: 4855

I also understand the point about the smoothing. But your example shows 2008 vs 2005 increase that is not annualized. Wouldn't the formula either compare 2008 to 2007 or else annualize the number? E.G. you would not apply a three year cumulative inflation increase every year. I understand you are l...
by Bogleer
Thu Oct 16, 2008 12:59 pm
Forum: Personal Investments
Topic: 2009 401k limits?
Replies: 15
Views: 4855

My question on the formula is this: 1) why use only a three month period when the adjustment is made annually? 2) why use an adjustment for a three year period that is not annualized and then apply it as an annual inflation adjustment? Obviously I'm no expert, but my understanding it that the CPI-U...
by Bogleer
Thu Oct 16, 2008 12:27 pm
Forum: Personal Investments
Topic: 2009 401k limits?
Replies: 15
Views: 4855

2009 401k limits?

My understanding is that all the info for figuring the 2009 401(k) limits is now available. Anyone familiar with the formula? I dug up some old posts and this is what I did: 2008 July/Aug/Sep CPI-U added together: 657.833 2005 July/Aug/Sep CPI-U added together: 590.6 Ratio = 1.1138 Ratio x 15,000 = ...
by Bogleer
Wed Jul 23, 2008 1:24 pm
Forum: Investing - Theory, News & General
Topic: Dumb question about funding taxable vanguard accound
Replies: 1
Views: 773

Dumb question about funding taxable vanguard accound

I'll soon be opening a taxable account at Vanguard and plan to keep an allocation of 2/3 VTSMX and 1/3 VFWIX. After the initial purchase to meet fund miminums, I'll be buying into each fund with "leftover" money at the end of each month. I have an emergency mmf with another company that I plan to ke...
by Bogleer
Sun Mar 02, 2008 11:53 am
Forum: Personal Investments
Topic: AA Help - TIAA-CREF, TSP, Vanguard
Replies: 10
Views: 3129

I'd like to thank everyone for the helpful replies. This has been extremeley helpful for me. I do have one further question. I think I've decided to go with an allocation like this: 40% US Stock Market (CREF Equity Index) 10% Real Estate (TIAA Real Estate) 30% Intl Equity (TIAA-CREF Intl Equity, lat...
by Bogleer
Sat Mar 01, 2008 6:30 pm
Forum: Personal Investments
Topic: AA Help - TIAA-CREF, TSP, Vanguard
Replies: 10
Views: 3129

David, Thanks for your suggestions. I have a few questions. First, there is no TIAA-CREF Small Value fund that I have access to. Did you mean a different fund? If not, what would you suggest to replace this? Since I was considering doing 30% international, I could simply add that 10% to the Global E...
by Bogleer
Sat Mar 01, 2008 3:25 pm
Forum: Personal Investments
Topic: AA Help - TIAA-CREF, TSP, Vanguard
Replies: 10
Views: 3129

Hi EmergDoc, The short answer is : NO! I'm not sure. I've been going round and round with myself over that actually. I finally decided to split the the difference. So I'm still paying extra, just not as much extra as I could. In the end, I figured I'm probably splitting hairs. Note that this is the ...
by Bogleer
Sat Mar 01, 2008 3:06 pm
Forum: Personal Investments
Topic: AA Help - TIAA-CREF, TSP, Vanguard
Replies: 10
Views: 3129

Hi Laura and Bob, Thanks for your time. I'll try and clarify. Note that what I called a 403(b) in the original post is actually a 401(a). 0% taxable (account to be established) 3.1% in an old frozen 403(b) RA 25.1% in current 403(b) GSRA 7.3% in 457(b) 54.4% in 401(a) GRA 10.0% in TSP The 401(a), 40...
by Bogleer
Sat Mar 01, 2008 1:47 pm
Forum: Personal Investments
Topic: AA Help - TIAA-CREF, TSP, Vanguard
Replies: 10
Views: 3129

AA Help - TIAA-CREF, TSP, Vanguard

Hi All, We've been putting away max in tax-deferred accounts and paying off debt aggressively. Now have all non-mortgage debt gone and want to start taxable savings in a vanguard account. It's been some time since I set up the current allocations, and was hoping to come up with an allocation/contrib...