Search found 525 matches

by Faith20879
Thu Apr 26, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Traveling to Asia-need advice
Replies: 40
Views: 2432

Re: Traveling to Asia-need advice

My son is 21 and graduating in May from college. He's planning on traveling to China, Japan, Taiwan and maybe South Korea.... Wow that's wonderful! It's going to be an experience of a lifetime for him. I just got back from a trip to East Asia, still overcoming a jetlag. All the places we stopped at...
by Faith20879
Thu Mar 22, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Valic Move
Replies: 8
Views: 873

Re: Valic Move

Any thoughts or suggestions will be much appreciated. Thank you When I left Academia in '88, I rolled a small 403b with VALIC over to an IRA with Vanguard. The process was smooth and fast - I signed some paper then VG took over. A week later, the money showed up in my account. Of course, I don't kn...
by Faith20879
Fri Mar 16, 2018 8:51 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax- Foreign Tax question.
Replies: 8
Views: 916

Re: Turbo Tax- Foreign Tax question.

ram wrote:
Thu Mar 15, 2018 10:42 pm
What is the best option here.
We did it both ways in TT and the credit came up about $100 ahead so we took the credit.
by Faith20879
Thu Mar 15, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Shampoo for silver/grey hair
Replies: 17
Views: 2388

Re: Shampoo for silver/grey hair

Following this thread with intense interest... My hair color is of natural brunette, never dyed once in my life. After shielding my scalp for over 6 decades, it is now turning yellowish all over. I was just about to do some research on this and here other posters mentioning "yellowing". That trigger...
by Faith20879
Thu Mar 15, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Maryland property tax
Replies: 3
Views: 443

Re: Maryland property tax

Ah,So. Knew about the income limit but never knew it is called "Pease limitation". Learn something new every day. :happy

Thanks! and Google too!
by Faith20879
Thu Mar 15, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Maryland property tax
Replies: 3
Views: 443

Re: Maryland property tax

Do you itemize?

If yes, look in form MD 502, line 17a. That's where the Fed itemized deduction go.

Does this answer your question?
by Faith20879
Tue Mar 13, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179
Replies: 34
Views: 4021

Re: Heads up: Moto G5 Plus 32 Unlocked phone at Costco $179

Y'all - Just thought I would revive this thread to alert interested folks to another sale on the moto g5+. This time it's at Amazon, not Costco... here's a link to the 32gb version, which is available for $175 -- https://www.amazon.com/Moto-PLUS-5th-Generation-Exclusive/dp/B0785NN142/ref=pd_rhf_gw_...
by Faith20879
Mon Mar 12, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40949

Re: What frugal thing did you do today?

I walked to office today, 2.6 miles x 2 - not bad. Of course, biking would've been even more frugal. Alas, fooled by the weatherwoman. I digress.
by Faith20879
Wed Feb 21, 2018 1:00 pm
Forum: Investing - Theory, News & General
Topic: Statistic:Percent of people in LTC with a surviving spouse?
Replies: 8
Views: 1152

Re: Statistic:Percent of people in LTC with a surviving spouse?

Look at the medicaid rules in your state. In the State of Washington: The house may be kept as long as one of the couple lives there. Also a vehicle is exempt. Income limit is $2,250 per month for the person needing care, no limit for spouse. Asset limit is $2,000 for the person needing care, and $...
by Faith20879
Fri Feb 16, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Nondividend distribution, cost basis and taxes
Replies: 3
Views: 352

Re: Nondividend distribution, cost basis and taxes

Huey and Fran, Thanks for your explanations. I have not sold any share of this particular fund but have always used specific lots in the past. I will make sure I have adjusted my record for future sale. UGH!!! Who'd thunk it. This is a tax-managed fund, FCOL! I thought only some exotic funds like a ...
by Faith20879
Thu Feb 15, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Nondividend distribution, cost basis and taxes
Replies: 3
Views: 352

Nondividend distribution, cost basis and taxes

I understand the nondividend distribution changes the cost basis (cb) of my shares (per wiki). What I don't quite understand is, in what exact way? Will the brokerage firm track the new cb for me or I have to do it? How are uncovered and covered shares treated differently? Meaning, when I eventually...
by Faith20879
Thu Feb 08, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Checkup / Where to Invest Extra Money?!?
Replies: 2
Views: 311

Re: Retirement Portfolio Checkup / Where to Invest Extra Money?!?

Hmm, to TIRA or not? I think you will get equal number of responses from the two sides. Some think filing form 8606 every year thereafter is a hassle yet some think it as easy as ABC. And, there is also how the gains are taxed to consider - 15% if qualified in taxable vs. your marginal in the IRA. P...
by Faith20879
Wed Feb 07, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Cheap cell phone plans
Replies: 60
Views: 4996

Re: Cheap cell phone plans

mbres60 wrote:
Wed Feb 07, 2018 10:45 am
...I had a flip phone. LG 5200 (I think that is the number). I used it for about 5 years. Still have it in a drawer. It was on Verizon.
A former Verizon phone is a perfect match for PagePlus. And, you will have one less thing sitting in the drawer.
by Faith20879
Wed Feb 07, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Retired or close to it -- what do you hold in bond portion?
Replies: 41
Views: 4236

Re: Retired or close to it -- what do you hold in bond portion?

1~2 years from retirement.

We are at 60/40. Of the bond side, we are aiming to have about 5 years of expenses spread amongst various VG tax-exempt funds and Savings Bond by the time.
by Faith20879
Thu Feb 01, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis and long/short cap gains
Replies: 26
Views: 1170

Re: Cost basis and long/short cap gains

Hi Maria,

The "long-term" does not need to be the oldest (or the first ones purchased). As far as IRS's concerned (365days is the cutoff), 2016 and 2006 are equally "long".

HTH
by Faith20879
Thu Feb 01, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation Advice
Replies: 14
Views: 1032

Re: 401k Portfolio Allocation Advice

what are the advantages to having bonds centralized in my 401k? Because bonds usually are less tax efficient, especially at your tax bracket. Bogleheads here believe they should be held in a tax-privileged account such as 401k or IRA. Please refer to the wiki for more details https://www.bogleheads...
by Faith20879
Wed Jan 31, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: How do I open a nondeductible IRA
Replies: 24
Views: 1027

Re: How do I open a nondeductible IRA

...eat the capital gains taxes? . You have to pay the capital gains taxes regardless. The issue is in the cost basis. If you have not properly reported 8606, you will pay taxes on the cost basis twice. Meaning, you already paid taxes for the 5500 as income and you'll pay again when you withdraw it ...
by Faith20879
Wed Jan 31, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Allocation Advice
Replies: 14
Views: 1032

Re: 401k Portfolio Allocation Advice

Welcome! Which 401k funds would you choose? Are there additional Vanguard funds you would consider for my taxable portfolio? Is 100% allocation in my Roth IRA to the VG TF 2055 adequate or should I consider adding additional funds? I am looking to add VGHCX to my Roth IRA. Just a couple of random th...
by Faith20879
Wed Jan 31, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Selling securities/mutual funds in VG accounts
Replies: 9
Views: 835

Re: Selling securities/mutual funds in VG accounts

...the sale of a mutual fund in a TIRA would have been treated as a "withdrawal" subject to 10% penalty. No that is not the case so you are safe there. Your different IRAs are treated as separate buckets (so to speak) and each has its own sweep account. The sale proceeds will go into the proper swe...
by Faith20879
Fri Jan 26, 2018 10:35 am
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 24079

Re: 401k millionaires

I saw a similar report a few weeks ago. My thought then is the same as now: Anybody who was contributing the maximum legal contributions from about age 30 to age 60 will have 7-figures in the total of their 401(k)/403(b) (and derived rollovers from them). Basically, it was just a matter of time, in...
by Faith20879
Thu Jan 25, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: how to choose mangoes?
Replies: 23
Views: 1345

Re: how to choose mangoes?

The kind that are red & green are indeed very difficult to tell. I only buy them when they are in season and also make sure there is a scent of aroma at the head. We now buy mostly the yellow mangos (Champagne???). They are smaller and much sweeter. Never had a bad one.
by Faith20879
Tue Jan 23, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5793

Re: Laughter is the Best Medicine - What makes you Laugh?

Sandtrap wrote:
Mon Jan 22, 2018 1:49 pm
Maybe depends on how one is ... cultural...
There must be something to that. DH is ethnically Italian but he finds Steven Chow's movies irresistible. I totally so NOT get it.
by Faith20879
Tue Jan 23, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?
Replies: 95
Views: 8266

Re: What unexpected emergencies require sizeable emergency cash funds available immediately in a checking account?

One year our HVAC died a few days before Christmas and it happened to be a freezing December that year. Thankfully we found someone quick enough and who happened to have a unit of the right size in stock. The catch was that he took cash only and would like to have the payment at the point of work co...
by Faith20879
Fri Dec 22, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne new banking website hard to learn. Please help!
Replies: 14
Views: 1281

Re: CapitalOne new banking website hard to learn. Please help!

munemaker wrote:
Fri Dec 22, 2017 10:39 am
...Give it a day or two....
Thanks, this I can do. But, what a shame it has to come to this.
by Faith20879
Fri Dec 22, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: CapitalOne new banking website hard to learn. Please help!
Replies: 14
Views: 1281

CapitalOne new banking website hard to learn. Please help!

Dear Fellow BHs, I am having a bit of problem learning the new website and am hoping a more tech-inclined BH can give me a hand. I have the regular checking accounts. Problem 1: A couple of days ago when I logged in, I could see the upcoming transactions listed above and the past transactions listed...
by Faith20879
Thu Nov 09, 2017 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Survivour benfits question here
Replies: 3
Views: 336

Re: Survivour benfits question here

Perhaps I didn't understand your question. It seems it has nothing to do with survivor benefits?

As to the money you set aside, it depends. If it was set aside with a financial institute, the account, thus the money, will follow you to wherever you are.

HTH
by Faith20879
Mon Nov 06, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage and/or Cash Management Account?
Replies: 12
Views: 1736

Re: Fidelity Brokerage and/or Cash Management Account?

A note about Fidelity's debit cards. There are two types - linked with the brokerage account (A) or with the Cash Management account (B). I had the type A card. The domestic ATM fees were not automatically waived. I've had to call to ask for special waiver which I understand may not always be grante...
by Faith20879
Mon Sep 25, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Newbie - Help with Vanguard Dividends
Replies: 7
Views: 844

Re: Newbie - Help with Vanguard Dividends

Assuming yours is a regular brokerage account, after you click on a fund you own in the account, scroll to near the bottom and look for the section heading "Holding options.". There should be two columns "Service" and "status". One of the rows should be for Dividends. See what status it is set at. T...
by Faith20879
Mon Sep 25, 2017 9:33 am
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3461

Re: BH phone review: Moto G5 Plus

We bought one in September from BestBuy. Took it on a long road trip right away and it was everything we expected to be. Highly satisfied and no regrets what so ever. Had a Galaxy 5 previously and this is just as good if not better. One minor complain though. Wish they had put the power button on th...
by Faith20879
Fri Sep 22, 2017 1:58 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 899

Re: Questions on electronic security while traveling

...If your browser is using https the traffic should be encrypted ... Does this mean going to https:Vanguard.com is relatively safe then? We typically use an Android phone, Android tablet, or an iPad to connect to the hotspot while on the road. All the cyber security issues and talks are making me ...
by Faith20879
Fri Sep 22, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Questions on electronic security while traveling
Replies: 13
Views: 899

Re: Questions on electronic security while traveling

We use a personal hotspot. Does it stand up to say a VPN or a secured Wifi?
by Faith20879
Fri Sep 08, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 10408

Re: For those planning early retirement....

VictoriaF wrote:
Fri Sep 08, 2017 7:37 am
... Here, I have access to enough free events to keep me entertained around the clock. ...
Just FYI, the Hispanic festival is on next weekend (9/16-9/17) at the Mall, wonderful dances, and food. Hope you are in town.
by Faith20879
Tue Sep 05, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 4301

Re: Things to buy/repair before (early) retirement

While we still have access to a FSA from work, these are on our list:
1. Eye glasses
2. Dental work
3. Cataracts
4. Any broken body parts that's in need of replacing.

YMMV.
by Faith20879
Fri Aug 04, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Garage ceiling bike storage
Replies: 21
Views: 1675

Re: Garage ceiling bike storage

We have these:
http://www.homedepot.com/p/Racor-1-Bike ... /100464777

Easy to install, super easy to down/up everyday.
by Faith20879
Wed Jul 26, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: 2003 Outback on 4th radiator. Is this normal?
Replies: 11
Views: 856

Re: 2003 Outback on 4th radiator. Is this normal?

Grt2bOutdoors wrote:...changed the radiator fluid... check the fill level ...
Hmm, we checked the fill level frequently and it was always full. But, never changed the fluid. Could this have been the culprit?
by Faith20879
Wed Jul 26, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: 2003 Outback on 4th radiator. Is this normal?
Replies: 11
Views: 856

2003 Outback on 4th radiator. Is this normal?

DH has a 2003 Subaru Outback station wagon AWD with roughly 100,000 miles on it. The original radiator leaked on and off and the dealer replaced it in 2004 under warranty. In 2010, the second radiator blew up and was replaced at a local mechanic. The parts were genuine - bought from a dealer shop. Y...
by Faith20879
Wed Jul 26, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Cheapest way to fly first class to Hong Kong from San Francisco?
Replies: 14
Views: 1981

Re: Cheapest way to fly first class to Hong Kong from San Francisco?

...me and my wife can switch back and forth... Do they allow this? The flight attendants on UA seem very strict about "keeping the classes". Anyone came up too close or trying to peek through the curtain seemed to be turned away quickly . One time I was flying business and was caught by an attendan...
by Faith20879
Wed Jul 19, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Essential Bike (bicycle) Accessories
Replies: 71
Views: 5026

Re: Essential Bike (bicycle) Accessories

What is "essential", like everything in investment, is relative. I am a bike commuter - 5 miles each way. Weight is my #1 consideration. I don't carry a pump thus a tire patch kit is useless to me. In the little pouch under the seat, I carry a small poncho and a pair of gloves in case the chain come...
by Faith20879
Tue Jul 11, 2017 8:54 am
Forum: Investing - Help with Personal Investments
Topic: EE Bonds?
Replies: 44
Views: 2736

Re: EE Bonds?

Yes EE bonds "double in 20 years" is still true. See https://www.treasurydirect.gov/indiv/research/indepth/ebonds/res_e_bonds_eeratesandterms_eebondsissued052005andafer.htm Like poster Jack said, the money is essentially locked up for 20 years so you want to make sure that is acceptable. Another pot...
by Faith20879
Tue Jul 11, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2816

Re: Combatting mosquitoes traveling in S. America

Hello thanks to your helpful tips, the trip was a great success. The Permethrin you suggested worked wonders. We ordered a gallon bottle from Amazon and pre-treated all our clothes, socks, and everything. I only got two spider bites on my face consider that I usually get multiple bites just by 3 min...
by Faith20879
Fri Jul 07, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Medallion signature guarantee for smaller investments?
Replies: 12
Views: 1221

Re: Medallion signature guarantee for smaller investments?

neveragain wrote: how does the financial institution know that it's the real account holder,
I brought a copy of the most recent statement from the brokerage that I am transferring from along with me. The bank manager glanced at it for but a second. As the other posters said, it was a quick no hassle process.
by Faith20879
Tue Jun 20, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 5217

Re: Has Vanguard gotten too big?

Email is worthless, as they never respond . I feel your frustration. Were these secure emails, meaning sent via their website, or regular emails, meaning sent via your email provider? I've had successful experience with the secure email and not so much with the "regular" emails - until one day I ac...
by Faith20879
Mon Jun 19, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 7475

Re: Best Financial Advice from Dad (in honor of father's day)

My father was born in 1907 and still has all his marbles. He was a low ranking officer in Chiang Kai-Shek’s air force and ran errands for the Flying Tigers during the Japanese invasion. This he always told stories of with much pride. Then war-torn China taught him “save and save some more” was the o...
by Faith20879
Fri Jun 16, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 9392

Re: Meeting with retirement guru, specializes in federal govt employees

...It is a complicated issue; ... Absolutely! We (HD and I) are trying to collect information and listen to fellow Fed bogleheads' reasoning for their own situations. So when our time comes all these will be considered. There was a lengthy discussion on to keep B or not and a lot of the wording I c...
by Faith20879
Fri Jun 16, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 7587

Re: Favorite Feature of Vanguard Website?

I like it that, on each fund tab, the various expenses are listed clearly, even if it is zero. Onetime I had to sell some shares at Fidelity and wanted to make sure there was no short term redemption involved. Their website didn't say anything so I called the helpline. After about 10 minute's wait, ...
by Faith20879
Tue May 30, 2017 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Meeting with retirement guru, specializes in federal govt employees
Replies: 72
Views: 9392

Re: Meeting with retirement guru, specializes in federal govt employees

This:
VictoriaF wrote:3. After the age of 65, should one choose Medicare Part B, FEHB, or both?
There have been numerous discussions but I have not seen a convincing lean to either direction. Would love to hear what your "guy" says about it, in plain English.

Thanks for sharing.
by Faith20879
Fri Apr 21, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Personal Performance"; those with accounts >10 years
Replies: 6
Views: 1026

Re: Vanguard "Personal Performance"; those with accounts >10 years

Yes my T. Rowe Price 401K also only shows 10 years return. Why is that?
by Faith20879
Tue Apr 11, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2816

Re: Combatting mosquitoes traveling in S. America

Love the anecdotes! Wish there is a thread just about people's adventure stories in the wildness. Never heard of "permethrin" or the "3M ultrathon cream" before. Will definitely look into them. Ear plugs? The only kind that worked marginally for me are the silicon plugs for the swimmers. You bit I'l...
by Faith20879
Mon Apr 10, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Combatting mosquitoes traveling in S. America
Replies: 39
Views: 2816

Re: Combatting mosquitoes traveling in S. America

...up-to-date on all of your vaccinations... Thanks for the reminder. Got that done and checked off. ... using a net and a sheet? ... I was thinking only the sheet but you got me thinking. I actually do have a face net bought for a previous hike. How did you prop it away from your face when you wer...