Search found 376 matches

by vectorizer
Sun Sep 01, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6034

Re: Did humanity ever make good Gas cans

https://www.jegs.com/i/RJS-Racing-Equipment/140/20000107/10002/-1 Racers everywhere use these type jugs. Available online at any auto or motorcycle performance place. They come in several formats, rectangular, cylindrical. Usually five gallons. Get the filler hose. They'll last forever. I use them ...
by vectorizer
Fri Aug 30, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Should I do backdoor roth
Replies: 7
Views: 409

Re: Should I do backdoor roth

If you're already maxing Roth each year, you can't also do a backdoor Roth.
by vectorizer
Wed Aug 28, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 49
Views: 2201

Re: Tax Aid Volunteering for AARP or VITA

kaneohe wrote:
Wed Aug 28, 2019 8:31 am
Also for AARP.........in that age group, there are many singles so there may be the
occasional lunch invite............
I'm getting the impression that AARP tax prep is a lot different from the VITA tax prep experience. :-)
by vectorizer
Tue Aug 27, 2019 8:28 pm
Forum: Personal Investments
Topic: Pro-Rata conversions on Traditional IRA
Replies: 15
Views: 685

Re: Pro-Rata conversions on Traditional IRA

Heck yeah, just do it now. Pull that band-aid. It's not a big tax bill considering your income position at only 24, and you'll have nice clean backdoor Roth contributions forever after. FWIW, I did it with about $24k in the TradIRA and at a much more advanced age, and you have a much better justific...
by vectorizer
Tue Aug 27, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax Aid Volunteering for AARP or VITA
Replies: 49
Views: 2201

Re: Tax Aid Volunteering for AARP or VITA

I've been a VITA tax preparer on and off for more than 20 years. Helping people navigate unnecessarily complicated tax rules to maximize their refund is a great feeling, especially helping struggling families who qualify for EITC. I work in low-income areas of North Philadelphia, where the "richest"...
by vectorizer
Thu Aug 22, 2019 9:41 am
Forum: Personal Investments
Topic: Vanguard MM 10-day hold on written checks
Replies: 25
Views: 1973

Re: Vanguard MM 10-day hold on written checks

OP here. Thanks for the info and suggestions. No one wrote that they've noticed Vanguard MM checks taking extra long to clear or long holds placed on them, which is mostly what I was asking. Thanks for reinforcing my feeling that the contractor's bank's hold policy should not justify me paying with ...
by vectorizer
Thu Aug 22, 2019 9:20 am
Forum: Personal Investments
Topic: Vanguard MM 10-day hold on written checks
Replies: 25
Views: 1973

Re: Vanguard MM 10-day hold on written checks

Have you spoken to his bank directly, or are you taking his word for it? Will he accept a credit card payment? (A credit card payment gives you more recourse as a consumer.) I recently paid for an entire HVAC system with a credit card. I don't think it's my place to contact his bank, so yes I'm tak...
by vectorizer
Wed Aug 21, 2019 5:07 pm
Forum: Personal Investments
Topic: Vanguard MM 10-day hold on written checks
Replies: 25
Views: 1973

Vanguard MM 10-day hold on written checks

My SO and I have held a joint Prime Money Market account at Vanguard for many years as our central cash conduit to banks, emergency savings, and to write checks for extraordinary expenses. Substantially all our investments are held at Vanguard too FWIW. We've been paying multiple contractors for wor...
by vectorizer
Tue Aug 13, 2019 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard website fail at the propitious moment
Replies: 41
Views: 4404

Re: Vanguard website fail at the propitious moment

I had no reason to access the site today, but reading these posts, I had to try. Like picking at a scab. :-)

And for the record, I'm getting no response after hitting the logon button.
by vectorizer
Tue Jul 30, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6123

Re: What's your Uber passenger rating?

My last Uber experience was not taking Uber. 8 of us were on the same flight for business training. Got out of the airport. 4 of us got in a taxi. The other 4 got an Uber and were out of the airport before us. We got to the hotel first. (Uber's app took the other guys some random short cut). Our co...
by vectorizer
Tue Jul 30, 2019 9:22 am
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6123

Re: What's your Uber passenger rating?

4.90, but I've only taken about 8 trips since first use in 2016.
by vectorizer
Tue Apr 16, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15142

Re: What is your hobby and how did it come to be your hobby?

Amateur radio (aka "ham" radio). When I was a teenager, I was interested but had no money. Then college, career, kids left me with no time for intense hobbies. When the kids were grown, I had the money for it and more time, so I passed the test for my ham radio license. Really got hooked into the fu...
by vectorizer
Tue Feb 19, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Question re 1098-T
Replies: 17
Views: 748

Re: Question re 1098-T

In 9 years of receiving 1098T forms, I think only 2 matched my records. Don't worry about it; use your own records for what you actually paid in 2018 ... assuming you've kept good records and invoices/bills from the school. I have seen no reports of the IRS calling into question a difference due to ...
by vectorizer
Mon Jan 28, 2019 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?
Replies: 108
Views: 7595

Re: What Percentage of Your Pre-Retirement Income are You Projecting You Will Need?

60%

Stopping savings and a remarkable drop in income taxes should make it easy. Ask me in 5 years how it's working out because we're just starting.
by vectorizer
Tue Jan 08, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: Car Battery
Replies: 62
Views: 4747

Re: Car Battery

Don't disconnect anything, just connect a smart but simple battery "tender" to the battery, the same way you'd connect jumper cables, then of course plug the tender into a wall outlet. I've used this one for many years: https://www.amazon.com/Battery-Tender-021-0128-Maintain-Damaging/dp/B00068XCQU/r...
by vectorizer
Sun Dec 23, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: End of Year IRA Withdrawal
Replies: 11
Views: 547

Re: End of Year IRA Withdrawal

Do I set up a regular investment account at Fidelity and transfer money? You could do this. It can stay at Fidelity, as long as the withdrawal is transferred ("exchanged") to a normal taxable account; it does not have to move out of Fidelity or to a bank. This is probably the simplest and fastest w...
by vectorizer
Sun Nov 25, 2018 3:46 am
Forum: Personal Finance (Not Investing)
Topic: ignore
Replies: 8
Views: 1596

Re: SocSec widow benefits confirmation

Based on responses, my post was poorly done. Please ignore. Thanks to those who responded.
by vectorizer
Sat Nov 24, 2018 8:35 am
Forum: Personal Finance (Not Investing)
Topic: ignore
Replies: 8
Views: 1596

Re: SocSec widow benefits confirmation

Maximum (full) survivor benefits are at her full retirement age, they don't keep increasing after that if you are not living. So no point in waiting. (Maybe that is what you have figured out, but it is a bit complicated to figure her exact age at these various times.) There is a point in waiting ti...
by vectorizer
Fri Nov 23, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: ignore
Replies: 8
Views: 1596

Re: SocSec widow benefits confirmation

2. If you die anytime after Feb 2023, your wife can apply for survivor's benefits. Full benefits at her full retirement age or reduced benefits as early as age 60. She doesn't need to wait until 2028 if she doesn't want to. Understood, but I'm looking for instructions that maximize her long-term be...
by vectorizer
Fri Nov 23, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: ignore
Replies: 8
Views: 1596

ignore

Based on responses to my original post, my post was poorly considered and written. Sorry. Please ignore this post. (I can't delete it.)
by vectorizer
Wed Nov 21, 2018 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10674

Re: Amazon says TurboTax 2018 will be released November 12

I was hoping to be able to use TT as a check on a couple different spreadsheets I have used in tax planning but for now I don't trust it enough. So it i back to the spreadsheets and I will keep realized income away from any cliffs by a healthy margin. I had been keeping a spreadsheet throughout the...
by vectorizer
Wed Nov 21, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10674

Re: Amazon says TurboTax 2018 will be released November 12

FWIW: I bought the Deluxe + State download from Amazon on Nov. 19 for $49.99. Was able to download from Amazon within a minute or two, installed without issue (Windows 7), and imported last year's TT file. Today when I skipped ahead to the "STATE TAXES" interview tab, my home state Pennsylvania was ...
by vectorizer
Fri Oct 26, 2018 6:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 19606

Re: Vanguard website "unavailable during weekend of Nov 3"

Wow, when I worked for Vanguard IT (almost 20 years), our planned website outages were no more than 2 hours, usually in wee hours of Sunday, and justified for only for a few major changes in a year. It would have been unimaginable to plan an outage for an entire weekend.
by vectorizer
Sat Apr 28, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Hotel rewards programs
Replies: 45
Views: 5205

Re: Hotel rewards programs

I travel by car a fair amount on my own dime enjoying mobile ham radio and visiting family. I look first for Holiday Inn Express because they tend to be a good value for money, newer properties, day-of cancellations allowed*, and free breakfast helps too. So I picked a hotel chain not a hotel progra...
by vectorizer
Tue Apr 10, 2018 6:45 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 219
Views: 25425

Re: What is your AA, given your age? and, Why?

I am a few days from age 60, retired a little over a year, and am currently 50:50. I was on a 2-percentage-point glide to 50:50 since my mid-40s, and intend to be on a 1-percentage-point glide until 20:80 at age 90. (Not that I expect to even come close to 90yo.) I guess I'm now on a 110-minus-age g...
by vectorizer
Mon Apr 02, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 6787

Re: How did you file your income taxes?

TurboTax Deluxe, purchased and downloaded from Amazon. I've been using TurboTax since back in the DOS days, except one year when they were particularly scummy with anti-piracy technology (by writing to the boot sector, for you fellow geeks). Still disappointed that Vanguard doesn't provide it for fr...
by vectorizer
Thu Mar 22, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: Building a bridge to Social Security: When to start?
Replies: 34
Views: 4997

Re: Building a bridge to Social Security: When to start?

FWIW, here's what I did. I make no claims that it's smart or good for you. Years before retirement, after a lot of reading and thinking, I became a lot more comfortable with deciding to retire a little early by breaking it up into two periods: the "forever" period after claiming SS at 70, and the bo...
by vectorizer
Wed Mar 07, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE UPDATE 9-3-18
Replies: 116
Views: 35552

Re: 2018 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Missing out on this again is just one of my rewards for volunteering at a free tax filing center last night. :annoyed

x
by vectorizer
Sun Jan 14, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 44044

Re: Anyone disenchanted with retirement?

Retired at 58 because I could when I ran the numbers, that was 2.5 years ago.....work is sooooo over rated...lol Do not know how I would fit work into the schedule! Me too, except started 1 year ago. One thing I was well aware of before retiring was that the happiest retirees consistently have a pa...
by vectorizer
Tue Jan 09, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 236
Views: 48837

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Thank you thread ... I had fallen asleep on monitoring Prime MM, would not have noticed for a while that it beats Ally online savings (where I am now). Moving back into Prime MM will make cash management easier especially as we transition from working to retirement (from saving to distribution).
by vectorizer
Sat Dec 23, 2017 12:25 pm
Forum: US Chapters
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 5481

Re: Happy Holidays Bogleheads. How others here helped you?

Good timing. I retired almost a full year ago, and here's what I wrote at that time: >>>>> I've been a member of this forum for almost 10 years, and for several years before that at the precursor Morningstar group. A frequent reader but a rare poster, I've learned a lot from the group. More than any...
by vectorizer
Mon Aug 21, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 22353

Re: How far would you travel to see The Eclipse?

It was hot and hazy in Santee SC, and some clouds were rolling about, but we were lucky to see the entire eclipse ex. the last half hour of partial. It's about 10 hours drive here from home in Philly area. To reiterate what others wrote, there is no comparison to the thrilling magic of seeing totali...
by vectorizer
Fri Aug 18, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 6729

Re: Powerball - $510 million?

Funny to see this thread this morning ... I have in front of me 4 just-found Powerball tickets from 2016, so they've expired. I am proud to have resisted the temptation to lookup the numbers. So, no, I absolutely will not be buying a ticket for Saturday. :-)
by vectorizer
Thu Aug 17, 2017 4:10 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 192
Views: 35880

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Please add me to the wait list.

[Forgot that I qualify for the first time this year, having retired from Vanguard at the end of last year.]
by vectorizer
Wed Aug 16, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 22353

Re: How far would you travel to see The Eclipse?

We are driving about 12 hours from the Philly area to SC, with two days in a hotel room, all for 2 minutes of totality. "Totally" worth it.
by vectorizer
Thu Apr 20, 2017 11:22 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 53948

Re: Larry Swedroe says "Goodby."

Thanks for all your contributions here Larry, a have learned a lot from your articles and the discussions here on the board. Sorry you felt you had to leave. Hopefully others will at least post links to your future articles.
by vectorizer
Mon Apr 17, 2017 9:31 am
Forum: Personal Investments
Topic: 2017 backdoor roth: mistake? how to fix?
Replies: 2
Views: 600

Re: 2017 backdoor roth: mistake? how to fix?

Yes, you could certainly do that - recharacterize the conversion and then recharacterize the TIRA contribution as a Roth regular contribution. You will end up as if you made a regular Roth contribution in the first place. Of course, it will involve some tax filing work with explanatory statements o...
by vectorizer
Sun Apr 16, 2017 2:50 pm
Forum: Personal Investments
Topic: 2017 backdoor roth: mistake? how to fix?
Replies: 2
Views: 600

2017 backdoor roth: mistake? how to fix?

Hello Bogleheads, long time since I asked a question in a new topic. I'm newly retired this year, thanks in part to the great advice I've read here. About 5 years ago, I converted everything in my TIRA to my Roth, and have been making max "backdoor Roth" contributions early each year since then (con...
by vectorizer
Sun Mar 19, 2017 8:45 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 471
Views: 58980

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

<geek> In my transition from engineering to programming, my first big assignment was to augment a Fortran compiler to discover DO loops in source code that could be implemented as a single vector op codes, rather than a set of scalar op codes with test and branch op codes. That process was called "v...
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1941

Re: retirement thanks

2015 wrote: I for one deeply appreciate the contribution you've made in protecting my assets held with Vanguard.
Thank you, that's nice of you to say.
by vectorizer
Fri Jan 27, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1941

Re: retirement thanks

Now that you are a civilian, what do you recommend for consumers' best practices for internet security regarding connecting to financial systems? Nothing you haven't heard before, this is just off the top of my head: Sign up for email or text message notification of transactions Check your account ...
by vectorizer
Fri Jan 27, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1941

Re: retirement thanks

k66 wrote:You said that you retired from Vanguard though?
Yes, I worked at Vanguard for almost 20 years, mostly web site security. Had to bite my lip quite a few times when comments were made here about Vanguard security.
by vectorizer
Fri Jan 27, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: retirement thanks
Replies: 12
Views: 1941

retirement thanks

I've been a member of this forum for almost 10 years, and for several years before that at the precursor Morningstar group. A frequent reader but a rare poster, I've learned a lot from the group. More than any one particular subject, this community has been most valuable to me to reinforce the gener...
by vectorizer
Wed Jan 25, 2017 9:40 pm
Forum: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 15847

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday Taylor! Thank you for everything you've done for the group.
by vectorizer
Thu Oct 06, 2016 2:20 pm
Forum: US Chapters
Topic: Hurricane Matthew
Replies: 61
Views: 11143

Re: Hurricane Matthew

We will be praying for your safety and for all Floridians threatened by this storm.
by vectorizer
Mon Aug 22, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 7978

Re: Tips for a 1000 miles car trip with toddler and baby

I'm also surprised at the amount of negativity in many of the responses here. Obviously it all depends on your kids for what works and what doesn't, and a lot of that is just whether you're lucky to have kids with good dispositions. You won't really know for sure till you make the trip, and you'll p...
by vectorizer
Thu Jun 23, 2016 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Should I express my inheritence thoughts to my father?
Replies: 78
Views: 8897

Re: Should I express my inheritence thoughts to my father?

[Naked link removed by moderator prudent]
by vectorizer
Tue May 31, 2016 2:39 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 15958

Re: Would you pay 6x face value to see Hamilton on Broadway?

gasman wrote: I did in fact pay up to see Hamilton six month ago on a trip to NY. only paid about $450 per ticket on a Tuesday night.
In retrospect, was it worth it?
by vectorizer
Tue May 31, 2016 2:36 pm
Forum: Personal Consumer Issues
Topic: Would you pay 6x face value to see Hamilton on Broadway?
Replies: 139
Views: 15958

Re: Would you pay 6x face value to see Hamilton on Broadway?

No, that's way way over my spend limit. Hamilton has gone into brag-to-your-friends territory; I'm sure there are people going who don't give a darn about seeing any Broadway musical and are just going for the "prestige". The biggest premium I've paid was about 60% over face, for the original cast o...
by vectorizer
Thu Apr 21, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: How To Stay Motivated in Employment When You Might Have Enough?
Replies: 71
Views: 11818

Re: How To Stay Motivated in Employment When You Might Have Enough?

If you have---or you think that you have---enough (whatever that amount may be), how do you stay motivated to keep working? Or should you even keep working? I ask because I've recently been experiencing serious motivational problems. In short, as I see our net worth increase, my desire to get up in...