Search found 625 matches

by Faith20879
Mon Oct 14, 2019 2:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1014
Views: 109322

Re: What frugal thing did you do today?

OTOH, here is an un-frugal thing that I did. I am a recreational jogger, meaning 3 times a week, 3 miles each time. I often see fellow joggers in these nice UA or Nike wicking shirts and wondered if they might actually add wings to my back in a hot summer day. I finally gave in and bought one. The s...
by Faith20879
Mon Oct 14, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1014
Views: 109322

Re: What frugal thing did you do today?

This actually happened yesterday (Sunday)... But nevertheless. Last night, we went to a restaurant on a friend's recommendation. Everything on the menu looked can feed 2 to 3 adults. Neither of us was super hungry so we looked at sharing a meal. But then the maître D announced that there would be a ...
by Faith20879
Mon Sep 23, 2019 8:49 am
Forum: Personal Investments
Topic: Old employer forcing out of 401k-rollover options?
Replies: 14
Views: 1012

Re: Old employer forcing out of 401k-rollover options?

1. Can her previous employer legally force her out of the old 401k? Is it possible for her to just continue to keep her funds there against their wishes? My employer(800 employee) 's 401K plan document stated that employee severed from service must remove the balance from the plan (rollover to an I...
by Faith20879
Fri Sep 20, 2019 9:49 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2300

Re: Blue Apron for a sick friend?

Thank you so much for the many wonderful (warm and thoughtful) ideas. Her husband works in Virginia and we are in Maryland so the objectives is to minimize his burden. Food delivered is more ideal than pick-up especially by the time he crosses the bridge, it often is 7 or 8 o'clock already. I have l...
by Faith20879
Wed Sep 18, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2300

Re: Blue Apron for a sick friend?

Katietsu wrote:
Wed Sep 18, 2019 9:23 am
I bought a gift certificate for a local restaurant delivery service when I was in a similar situation. I think Uber Eats works the same way.
Why didn't I think of that! Thank you!

Looking on the yellow page now!

BHs is the best!
by Faith20879
Wed Sep 18, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2300

Re: Blue Apron for a sick friend?

Wonderful! Checking out freshly right now!


stoptothink wrote:
Wed Sep 18, 2019 8:52 am
Ihere are countless other options that will deliver completely prepared meals.
If you don't mind, a few names will be appreciated. Thanks for you time and input!
by Faith20879
Wed Sep 18, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: Blue Apron for a sick friend?
Replies: 41
Views: 2300

Blue Apron for a sick friend?

Seeking BH's collaborated wisdom for ... A friend of mine is having surgery next month and will be immobile for about a month. Her husband who works full-time, is not known to be proficient in/around the kitchen. I am entertaining the idea of getting them a Blue Apron/Hello Fresh meal plan. However ...
by Faith20879
Fri Sep 06, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6265

Re: What, besides dishes, do you run through your dishwasher?

arcticpineapplecorp. wrote:
Fri Aug 30, 2019 8:03 pm
Faith20879 wrote:
Fri Aug 30, 2019 11:53 am
Cutting boards. We use separate ones for meat and vegetables. Put both in to sanitize.
hopefully it's the plastic variety, ...
Yes, indeed.

We quit using wood/bamboo boards awhile ago. They are more difficult to keep clean so we switched to plastic.
by Faith20879
Fri Sep 06, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: United Premium Plus vs ANA Premium Economy
Replies: 11
Views: 951

Re: United Premium Plus vs ANA Premium Economy

I'd go with ANA This! I am a United and ANA frequent flier. Have not noticed any difference in the legroom since I am small. To me personally, the food is the #1 deciding factor. I find United food not suited for my palate. ANA's food is day and night different. I actually enjoy it. How often can y...
by Faith20879
Fri Aug 30, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6265

Re: What, besides dishes, do you run through your dishwasher?

Cutting boards. We use separate ones for meat and vegetables. Put both in to sanitize.
by Faith20879
Mon Aug 26, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1014
Views: 109322

Re: What frugal thing did you do today?

Jansport has a lifetime warranty you may want to try out: https://www.jansport.com/customer-service/lifetime-warranty.html Whoa, I didn't know that. Learn something new everyday. Thank you! LL Bean gave me full credit for an old (20+ yo) backpack that also had a 'lining failure'. I was pleasantly s...
by Faith20879
Fri Aug 23, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1014
Views: 109322

Re: What frugal thing did you do today?

This actually happened last Saturday, not today. But nevertheless... My old Jansport backpack's lining went to pieces after a hike last Friday. Found a nice Targus backpack with better features at Burlington. At the checkout, was told that I was one of the lucky participants of Maryland's "tax-free ...
by Faith20879
Fri Aug 16, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Windows 10 urgent update alert.
Replies: 6
Views: 1803

Re: Windows 10 urgent update alert.

FYI, There is what sounds like more than the usual security patches. Microsoft is warning Windows 10 users to update their operating system immediately because of two "critical" vulnerabilities. https://www.cnn.com/2019/08/14/tech/windows-10-microsoft-security-update-trnd/index.html I had to run th...
by Faith20879
Wed Aug 14, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2799

Re: Is "My Social Security" online worth signing up for

Texgal17 wrote:
Wed Aug 14, 2019 10:35 am
Actually she was 57 when it happened a few years ago.....🧐
Oh, 57? I see. My guess is she must be eligible for some kind of benefits, if not the usual social security. Or the villains would not have targeted her. Anyway, she is just as a low-hanging fruit as us. Be vigilant.
by Faith20879
Wed Aug 14, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2799

Re: Is "My Social Security" online worth signing up for

Yes, this happened to my sister. Someone opened an account in her name. Luckily SS sent her a letter verifying she opened an account, but she did not! Let me guess, she is over 62 and have not applied for SS yet? Same thing happened to us. We contacted SS office and they put a lock on our file so w...
by Faith20879
Wed Jul 31, 2019 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Maryland, is a Roth conversion tax exempted
Replies: 35
Views: 1532

Re: Maryland, is a Roth conversion tax exempted

jebmke wrote:
Tue Jul 30, 2019 12:27 pm
Just to close the loop on this.
...
To further clarify this, I sent an email to the Tax Practitioner Liaison.
...
Thank you for going the extra mile!
by Faith20879
Mon Jul 29, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Maryland, is a Roth conversion tax exempted
Replies: 35
Views: 1532

Re: Maryland, is a Roth conversion tax exempted

You are right. I re-read the instructions. It is the 401K distributions that are qualified, NOT the IRA distributions. I know I was wishing too much. :D

Thank you!
by Faith20879
Mon Jul 29, 2019 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Maryland, is a Roth conversion tax exempted
Replies: 35
Views: 1532

Maryland, is a Roth conversion tax exempted

Hello fellow Marylander, I understand that Maryland form 502 has a pension exclusion provision. In that, a distribution from IRA can be exempted up to a limit. My question is, is a Roth conversion included in the exemption. Here is the language from form 502: b. You included on your federal return t...
by Faith20879
Mon Jun 17, 2019 9:06 am
Forum: Personal Investments
Topic: Has anyone recently transferred shares from Computershare to Vanguard?
Replies: 27
Views: 3134

Re: Has anyone recently transferred shares from Computershare to Vanguard?

... multiple companies and need medallion guarantees . ... Yes that's the case for me as well. Had three stocks with Computershare(CS), one transferred last year and two to do this year. I needed the medallion signature for the one completed and was told also need for the other two, no exception. T...
by Faith20879
Fri Jun 14, 2019 11:15 am
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3964

Re: Asset allocation for those in their late fifties

H 66 W 59, with one more year of W2 to collect, e.g., looking at class of 2020.

We are about 60% stock (70% US, 30% international) and 40% bonds/cash, with no international bonds. A small pension just enough to cover Medicare B premium.

Will probably stay with this AA into retirement.
by Faith20879
Wed May 29, 2019 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 17418

Re: Fun paid jobs after FIRE

I can't remember how many times I've heard this in a social event: "I am retired, I now drive school bus for the county/city." As for myself, I have another idea. My megacorp has this woman comes by a couple times a week to water the outdoor plans on campus. She drives a smallish pickup truck that h...
by Faith20879
Wed May 08, 2019 11:55 am
Forum: Investing - Theory, News & General
Topic: This podcast includes my thoughts on the Bogleheads after Jack
Replies: 8
Views: 2049

Re: This podcast includes my thoughts on the Bogleheads after Jack

Podbean is usually a good place to download podcasts in .MP3 format I think this is the podcast being discussed here https://www.podbean.com/podcast-detail/nsngk-4b6a4/The-Evidence-Based-Investor-Podcast https://www.podbean.com/site/EpisodeDownload/DIR618AD1E3A5SR Found the "Download" button and no...
by Faith20879
Mon May 06, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: This podcast includes my thoughts on the Bogleheads after Jack
Replies: 8
Views: 2049

Re: This podcast includes my thoughts on the Bogleheads after Jack

I am also a fan.

Is there a way I can download it as an mp3 file and listen on my mp3 player? I would classify myself as tech-challenged.

Thank you!
by Faith20879
Wed Apr 24, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Spread Sheets [for retirement planning]
Replies: 15
Views: 1961

Re: Spread Sheets

In addition to all the nice Bogleheads tools already mentioned, I also use an income stream tracker to help visualize at which year, what income comes in. This is particular helpful as we are coming down the homestretch. It does not require VBA. You can modify it easily. http://i60.tinypic.com/mn0qk...
by Faith20879
Wed Apr 24, 2019 11:23 am
Forum: Personal Investments
Topic: Vanguard Flagship Select Representative ??
Replies: 31
Views: 2882

Re: Vanguard Flagship Select Representative ??

Isn't this one of the trade offs when you have rock-bottom expense ratios? Most of the cashiers at our local Walmart are actually very professional and way more helpful than the full-service CVS. :P All jokes aside, my family has not reached Flagship Select level so can't comment on reps for that l...
by Faith20879
Mon Apr 22, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?
Replies: 52
Views: 7028

Re: I need advice on cleaning a toilet. How to you clean this part of the toilet? What is the best thing to use?

I use a "paint stick" (not sure if its the actual name) and it works wonderfully. It is a little stronger than balsa wood planks - strong enough for the crud but soft enough so not to damage the porcelain. It does the job. Our local paint shop gives them for free when you buy paint from them. I have...
by Faith20879
Mon Apr 15, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6263

Re: Women, How Much Do You Pay for Haircut

Maryland/DC suburb, $35 for shampoo, cut (simple, short, no-fuss) , and light blow-dry. Tip extra. I don't have a set frequency, just until I can't stand the shagginess any longer. Man, but with a traditionally-feminine haircut. I pay $8 at the local hair salon school for wash (including shampoo/con...
by Faith20879
Mon Apr 15, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: Do You Give Money to Panhandlers?
Replies: 38
Views: 2113

Re: Do You Give Money to Panhandlers?

I don't.

Instead, I always carry a couple of McDonald's gift cards in my wallet and replenish when all gone. From time to time, one would tell me they don't like McDonald's food, I just shrug and move on.

I figured, I own DCD through VTSAX, there is no harm in bringing more business for them.
by Faith20879
Fri Apr 12, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: China travel
Replies: 25
Views: 2105

Re: China travel

We took a China trip with https://www.intertrips.com/ The tour was mostly inclusive, except a couple of dinners that we had to figure out for ourselves. We had a different local guide at each city. The one in Beijing was very professional and straight up which we liked a lot. The one in Shanghai was...
by Faith20879
Mon Apr 01, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: Travel tips/guide for Athens Greece and Santorini?
Replies: 6
Views: 562

Re: Travel tips/guide for Athens Greece and Santorini?

Re Buses in Santorini: Yes, they do have buses going to different ends of the island. https://santorinisecrets.com/santorini-bus-schedule/ It was actually quite popular, meaning waiting lines both going and coming, especially if your pickup point is in the middle. We always walked downtown to the bu...
by Faith20879
Fri Mar 22, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: transportation from DFW to Dallas downtown?
Replies: 14
Views: 1016

Re: transportation from DFW to Dallas downtown?

Is this the weekend downtown rail replacement project? I didn't see anything else affecting the Orange Line specifically. https://www.dart.org/riding/cbdrailreplacement.asp According to that page, shuttle bus routes will serve all of the Central Business District stations from the Victory Station, ...
by Faith20879
Wed Mar 20, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: transportation from DFW to Dallas downtown?
Replies: 14
Views: 1016

transportation from DFW to Dallas downtown?

Hello, I will be taking a business trip to Dallas (DFW airport) this summer. The DART website says the Orange line weekend services to Downtown will be suspended during my stay. Are there other means of public transportation that will get me to my hotel in downtown, near the vicinity of Pacific/Grif...
by Faith20879
Mon Mar 04, 2019 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Qualified Dividends Form 1040
Replies: 20
Views: 1193

Re: Qualified Dividends Form 1040

What happens if you do your return with pencil and paper ... In that case, you will slowly work down to line 11a. Tax (see inst.) . Under the instructions for 11a, there it explains that a worksheet to compute your tax using the 15% rate is needed: Qualified Dividends and Capital Gain Tax Worksheet...
by Faith20879
Fri Feb 15, 2019 12:52 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1014
Views: 109322

Re: What frugal thing did you do today?

Ice finally melted away today.
Rode my bike to work for the first time this year!
Saved 20 miles worth of gasoline and, my lungs feeling mighty happy - priceless.
by Faith20879
Wed Feb 06, 2019 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: List of questions to ask before opening a brick-and-mortar bank account?
Replies: 31
Views: 1523

Re: List of questions to ask before opening a brick-and-mortar bank account?

For our usage, the 3Fs are first in mind.
1. Account fees : minimum balance required, monthly service fee, or any other account related fees.
2. ATM fees : out of network ATM, domestic or international.
3. Wire transfer fees.

It'd also be nice if they provide foreign currency concierge service.
by Faith20879
Wed Feb 06, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 4536

Re: No longer can cash Savings bonds in bank branches?

This... ...Friday we tried to cash one and was told by the clerk that " Treasury has changed its policy and now requires the paper bonds be sent directly to them and can no longer be cashed at any bank. " ... No, they were lying. This came up just a few months ago in a local Facebook group for my ho...
by Faith20879
Mon Feb 04, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 4536

Re: No longer can cash Savings bonds in bank branches?

I always knew that not all banks cash them. Banks do it as a service to the customers. I know CaptialOne used to. But when the clerk said it is a Treasury policy then that's different.

Thanks for your input!
by Faith20879
Mon Feb 04, 2019 10:43 am
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 4536

Re: No longer can cash Savings bonds in bank branches?

smallpotato wrote:
Mon Feb 04, 2019 10:34 am
Yep. Saturday.
Thanks for confirming that. So... cashing in bank is still allowed. Hmm I am wondering if I have been lied to.
by Faith20879
Mon Feb 04, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 4536

No longer can cash Savings bonds in bank branches?

Has anyone cashed a Savings Bond at a local bank branch lately? We bank at CapitalOne Bank and have cashed some bonds there before. Friday we tried to cash one and was told by the clerk that " Treasury has changed its policy and now requires the paper bonds be sent directly to them and can no longer...
by Faith20879
Fri Jan 25, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Boarding School advice
Replies: 11
Views: 1705

Re: Boarding School advice

Spent 7 years in an all-girl's school in the 70's. I am assuming a lot has changed since. Academically, it was superb - well worth every penny my parents put in. Room and board was excellent. Matter of fact, I still follow some of the recipes that the school kitchen used. Mental development was more...
by Faith20879
Fri Jan 18, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 158
Views: 17259

Re: Tributes to Jack Bogle

The world has lost a good man.

He practiced what he believed, from which I benefited. Forever I am grateful.
by Faith20879
Thu Dec 20, 2018 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Converting two TIRAs, need two 8606 forms?
Replies: 11
Views: 426

Re: Converting two TIRAs, need two 8606 forms?

ivk5 wrote:
Thu Dec 20, 2018 2:14 pm
Just confirming- do you have prior year 8606 to track prior basis?
Yes, every year.
by Faith20879
Thu Dec 20, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Converting two TIRAs, need two 8606 forms?
Replies: 11
Views: 426

Re: Converting two TIRAs, need two 8606 forms?

... Is there a reason you want to put off the conversion of the two IRAs until 2019? Our income will drop to a lower bracket in 2019 so am trying to "clean up" my IRAs during this window. I am thinking that the 2-year plan has a less change of triggering any flag with IRS. Thank you for your time.
by Faith20879
Thu Dec 20, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Converting two TIRAs, need two 8606 forms?
Replies: 11
Views: 426

Re: Converting two TIRAs, need two 8606 forms?

Yes both are mine. Assuming you already have Form 8606 for the non-deductible contributions? Or you won't if it is a 2018 contribution. No I have not filed 2018 tax yet but I did make a 2018 contribution to the non-deductible. And I do plan to make a 2019 contribution. Your question made me realize ...
by Faith20879
Thu Dec 20, 2018 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Converting two TIRAs, need two 8606 forms?
Replies: 11
Views: 426

Re: Converting two TIRAs, need two 8606 forms?

Spirit Rider wrote:
Thu Dec 20, 2018 10:09 am
You need a new CPA.
Hahaha! It was free advice (just a friend) so I didn't expect much. BHs are way better.

Thank you!
by Faith20879
Thu Dec 20, 2018 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Converting two TIRAs, need two 8606 forms?
Replies: 11
Views: 426

Converting two TIRAs, need two 8606 forms?

In 2019, I will be converting two small IRAs to Roth - one Rollover IRA (1) and one No-deductible IRA (2). A friend of mine who is a CPA said, come tax time, I will need to fill out two 8606 forms, one for each conversion. I am seeking input from fellow BHs who's been in this situation before. Since...
by Faith20879
Wed Dec 12, 2018 11:03 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 22297

Re: What Happened to you during the Financial crisis of 2007–2008

Having been through the dotcom bubble, I sort knew what was coming. We TLH'ed some active funds that we owned from previous life; and continued to max our 401Ks, IRAs, and iBonds as before. However, I stopped looking at our balances until the markets started to tick up again. It was like riding a G5...
by Faith20879
Tue Dec 11, 2018 10:04 am
Forum: Personal Consumer Issues
Topic: Going to the Everglade. A few questions please.
Replies: 22
Views: 1610

Re: Going to the Everglade. A few questions please.

A big THANK YOU to all BHs who spent time to chime in. We survived the swamp. Below are some notes from the trip: 1. Route 41 from Miami to Naples was toll-free. We didn't need to access I-75 at all. 2. Was surprised to see a lot of places are still struggling from Irma's wrath. 3. Did all the hikes...
by Faith20879
Wed Nov 21, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Review after one month with Fidelity Cash Management
Replies: 84
Views: 31859

Re: Review after one month with Fidelity Cash Management

... I had made multiple single withdrawals near $1000 ... Did you have to use a different bank's ATM to achieve this? I've only used my card in a couple of SE Asian countries where each bank's ATM has its own daily limit imposed by the bank. I imagine, if I had to get more than $500 in a day, I wou...