Search found 165 matches

by mouth
Sun Oct 13, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 81
Views: 9942

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Instead of radio buttons, and two versions, why not just present the user with a 0/1 toggle (which is all radio buttons do in the background) so people can choose what features they want. If things are mutually exclusive, and you don't want to use data validation for compatibility reason, you could...
by mouth
Sun Oct 13, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 81
Views: 9942

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Ha. Yes, I see that now. I entered nothing after 2018. I will play around with future years and see what happens. Thanks for the quick response, and of course, thanks again for creating a terrific tool. What happens if you take your last year of earnings, and put that in the calculator from today f...
by mouth
Wed Sep 18, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Laptop for a student
Replies: 8
Views: 768

Re: Laptop for a student

If you are so technically inclined, and really not THAT technical, consider a used laptop from craigslist. Then do a few things ... Before buying said laptop, confirm how much memory it has, what type of memory it takes, and then plan to buy more memory for it. Chances are any laptop you're buying c...
by mouth
Sun Sep 15, 2019 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 17
Views: 1167

Re: Roth TSP transfer mechanics

So now I have to ask, what IS the benefit of pulling Roth funds out of TSP if my intent is to leave the rest in the TSP? Skip for the moment any discussions about TSP > VG or vice versa, are there practical/legal reasons to prefer a Roth IRA over Roth TSP?
by mouth
Sun Sep 15, 2019 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Roth TSP transfer mechanics
Replies: 17
Views: 1167

Re: Roth TSP transfer mechanics

I went all the way through to produce the form for a 100% Roth transfer to include inserting my routing and account numbers. What I find confusing is they ask for those numbers, they ask if I want a check or direct deposit, AND the forms have a place for the transfer institution to include who the c...
by mouth
Sat Sep 07, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 63028

Re: Improving the TSP [for current participants]

I think the FRTIB just gifted the financial advisor community a point that they will hammer on to TSP folks to "help them" move their funds from the TSP to TIRA/Roth IRAs, so they won't have to put up with these restrictions. Instead of retaining participants, they've just given them a juicy reason...
by mouth
Sat May 04, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 6737

Re: What kind of Replacement A/C would you get ??

Who does a " house leak check and insulation assessment " I recently had a heat pump hvac replacement and none of the contractors that gave estimates suggested this.I wish they had because I am not very happy with the overall comfort level in my home. I'd start by contacting your power company. The...
by mouth
Sat May 04, 2019 8:30 am
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 6737

Re: What kind of Replacement A/C would you get ??

Having a system that runs a low-speed fan to deal with individual hot/cold spots in a house is NOT the first thing to consider. You're best off first addressing individual room thermal loads (lots of external wall surface area, windows, air leaks, heat generating equipment, weak ceiling insulation);...
by mouth
Thu Apr 25, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Financial Advisor
Replies: 41
Views: 2379

Re: Becoming a Financial Advisor

subbed ... you're situation is my situation.
by mouth
Thu Apr 25, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Router with VPN
Replies: 20
Views: 2378

Re: Router with VPN

OP, you really need to consider what it is you're trying to protect against. If you're surfing from home the questions are, 1) do I trust my machine? and 2) do I trust the network my data is transiting? You also have to wonder if you trust the end-point but you have little to no control over that ou...
by mouth
Thu Apr 25, 2019 8:24 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6293

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

also for fun https://www.youtube.com/watch?reload=9&v=lGsaqORbyrs I was leaning toward the AmplifiHD because of its stunning performance, especially if you use multiple routers rather than satellites. However, the internet is full of complaints about how they haven’t addressed Guest issues for lite...
by mouth
Thu Apr 25, 2019 8:18 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6293

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

If I understand your comment, that means that in order to isolate devices off a main network AND allow them to talk to each other (but not the main network), one would need to implement VLAN? Correct. At least to my understanding. Yup. that's it. However, some systems will allow you to configure th...
by mouth
Thu Apr 25, 2019 8:04 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6293

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

Hopefully those solve your problem. Something to keep in mind of course is you know the Unifi's don't HAVE to be hung anywhere specific any more than any other wifi AP. They ALL suffer from poor placement the same and they all benefit from ideal placement the same. As for pure aesthetics and SAF, I'...
by mouth
Wed Apr 24, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6293

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

You can place your FiOS router into bridge only mode... Can you, OP? That's the Million Dollar question. I took a quick peek today, and I can disable it as a DHCP Server. Do take a look at that link I posted. Not only do you want to disable DHCP but you want to explicitly set the router to operate ...
by mouth
Wed Apr 24, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6293

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

I probably have configured it incorrectly. Any ideas? I'm not clear - do all of these have the same SSID and password? If so, roaming should happen automatically. For the moment, let’s forget cabana and garage. The three Airports in the house have same SSID and password. Roaming is fine. When I try...
by mouth
Wed Apr 03, 2019 7:50 pm
Forum: Personal Investments
Topic: Leaving First Command Tax Repercussions
Replies: 28
Views: 2343

Re: Leaving First Command Tax Repercussions

Ugggg I'm so sorry you're dealing with that FirstCommand BS OP. I got sucked in by them back in '96 in my Lt. days when they were USPA & IRA. It was an expensive lesson, but it did get me started investing. Sadly I pulled all my money out just a smidge too soon to get anything out of the Class Actio...
by mouth
Sun Mar 03, 2019 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 8982

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

It's not that I don't believe you. You just haven't given everyone all the facts to make an accurate comparison. So you are getting paid $100/hour, and none of the aforementioned benefits come out of that hourly rate -- they are all in addition to your hourly rate? Please provide comparisons of cur...
by mouth
Sat Mar 02, 2019 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 8982

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

You sound like a manager I would want to work for - aware of the business, aware of the environment, looking after his best folks. haha thanks. Honestly the only thing keeping me from polishing up my own linkedIN profile and posting to clearedjobs is I love my client and I love my Senior Manager an...
by mouth
Sat Mar 02, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Tell The Truth to Boss Why I'm Leaving? (More Money)
Replies: 78
Views: 8982

Re: Tell The Truth to Boss Why I'm Leaving? (More Money)

I use to be a supervisor, and if an employee was leaving and he told me that he enjoyed working with our company, but was going elsewhere for significant more money, i would harbor no ill feeling and would congratulate him for the better opportunity that awaits him/her. I feel most employers would ...
by mouth
Sun Feb 24, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Another MBA question: Military transition
Replies: 7
Views: 471

Re: Another MBA question: Military transition

I'm now in year five post-retirement from the AF as an O-4 Operations Research Systems Analyst (ORSA). Having been an ORSA meant the translation of my military experience was actually rather easy. But plenty of my transferable skills came from just having been a career military officer with some Sta...
by mouth
Mon Feb 18, 2019 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11468

Re: More Bad News for USAA Bank

According to one of my credit unions that gave a clear explanation about the mobile deposit change, there has been a recent change to the banking regulations to explicitly allow putting mobile deposit endorsements on checks. Expect this change with most institutions. Some were requiring it previous...
by mouth
Sat Feb 16, 2019 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11468

Re: More Bad News for USAA Bank

Full disclosure, I was an officer and I know that USAA bluntly charges enlisted troops and dependents higher rates. There was a thread here where somebody posted the different tiers of USAA. The lower the tier the more like kely you are to pay more. As the child of an officer I am in the second tie...
by mouth
Sat Feb 16, 2019 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11468

Re: More Bad News for USAA Bank

According to one of my credit unions that gave a clear explanation about the mobile deposit change, there has been a recent change to the banking regulations to explicitly allow putting mobile deposit endorsements on checks. Expect this change with most institutions. Some were requiring it previous...
by mouth
Sat Feb 16, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11468

Re: More Bad News for USAA Bank

My parents had a lot of problems with them in 2018. Very disappointing. I think their insurance arm is still ok. At least for auto insurance, I find their current rates terrible. My premium for two cars went down >45% for identical coverage by switching, wish I'd rate-shopped a couple of years soon...
by mouth
Sat Feb 16, 2019 8:39 am
Forum: Personal Finance (Not Investing)
Topic: More Bad News for USAA Bank
Replies: 61
Views: 11468

Re: More Bad News for USAA Bank

Interesting. I just went to make a mobile check deposit today, I do them about weekly, and they had me agree to new terms of service for how I have to endorse the check or it might be rejected. Basically enforcing the need to write, "For mobile deposit USAA FSB [account number]" They always wanted y...
by mouth
Sat Jan 26, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: If you work in several states as a mngmt consultant, where do you file your taxes?
Replies: 19
Views: 1431

Re: If you work in several states as a mngmt consultant, where do you file your taxes?

OP, this isn't your firms first rodeo. They should be able, no, they BETTER, help you navigate accordingly to include issuing you W2's for each state based on that states rules. Some are time based, some are amount based, etc as already mentioned. Short of that, hire a tax professional this year an...
by mouth
Tue Jan 22, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: If you work in several states as a mngmt consultant, where do you file your taxes?
Replies: 19
Views: 1431

Re: If you work in several states as a mngmt consultant, where do you file your taxes?

OP, this isn't your firms first rodeo. They should be able, no, they BETTER, help you navigate accordingly to include issuing you W2's for each state based on that states rules. Some are time based, some are amount based, etc as already mentioned. Short of that, hire a tax professional this year and...
by mouth
Mon Jan 14, 2019 5:06 pm
Forum: Investing - Theory, News & General
Topic: Super Short Term Bond Risks
Replies: 16
Views: 2790

Re: Super Short Term Bond Risks

is it just me or is the after-tax performance pretty bad? The published after-tax numbers assume an investor in the highest (37%) federal tax bracket. Such an investor should not be holding any taxable bonds in a taxable account, as 37% of the returns will be lost to taxes; he or she should either ...
by mouth
Mon Jan 14, 2019 2:36 pm
Forum: Investing - Theory, News & General
Topic: Super Short Term Bond Risks
Replies: 16
Views: 2790

Re: Super Short Term Bond Risks

is it just me or is the after-tax performance pretty bad?
by mouth
Sun Jan 13, 2019 5:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 361
Views: 64994

Re: Vanguard Municipal Money Market VMSXX 1.39%

I'm sorry to be "greedy" ;-) but is there an easy comparison for TEY of the growth of $10,000? It's hard to really compare the impact of the yield's ups and downs without seeing the growth.
by mouth
Mon Jan 07, 2019 9:05 pm
Forum: Personal Investments
Topic: Military Retirement = Treasury Inflation Protected Security (TIPS)? Does this change the way I allocate?
Replies: 25
Views: 2051

Re: Military Retirement = Treasury Inflation Protected Security (TIPS)? Does this change the way I allocate?

I'm in a very similar place but retired in 2014. I ignore my pension and only concern myself with how much savings I need to cover my expected living expenses that the pension doesn't cover. And for those savings I'm running at 70/30 while I'm pushing ~35% of my total take-home into savings. I don't...
by mouth
Sat Jan 05, 2019 10:25 pm
Forum: Investing - Theory, News & General
Topic: Do bond funds try to avoid capital gains? especially in Tax Exempt?
Replies: 5
Views: 461

Re: Do bond funds try to avoid capital gains? especially in Tax Exempt?

Many municipal bonds are issued at a premium price with a higher-than-market coupon, so you end up getting the market yield with a low probability of capital gains. I think most muni funds tend toward buying those types of bonds, so it makes sense to expect gradual NAV erosion over the long term. I...
by mouth
Sat Jan 05, 2019 9:44 pm
Forum: Investing - Theory, News & General
Topic: Do bond funds try to avoid capital gains? especially in Tax Exempt?
Replies: 5
Views: 461

Re: Do bond funds try to avoid capital gains? especially in Tax Exempt?

You are talking about them selling and causing capital gains, right? Yeah that makes sense and certainly something I'd hope they'ed avoid too. But I am mostly talking about the CG impact of me selling , and the idea that looking at the NAV it seems to not really be a major issue. I'm wondering if th...
by mouth
Sat Jan 05, 2019 9:22 pm
Forum: Investing - Theory, News & General
Topic: Do bond funds try to avoid capital gains? especially in Tax Exempt?
Replies: 5
Views: 461

Do bond funds try to avoid capital gains? especially in Tax Exempt?

Do all bond funds, particularly tax-exempt, intentionally keep their NAV pretty tight to minimize capital gains when sold? So the context for this question is my desire to shift my cash reserves (EF + big savings) out from a HYSA to a tax-exempt fund since I'm in the 32% bracket. Then I got to think...
by mouth
Thu Jan 03, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard Minimum Investment Cuts Overdue"
Replies: 47
Views: 4615

Re: "Vanguard Minimum Investment Cuts Overdue"

...but to this day I remember that at Fidelity, a poor guy could get started and not get robbed with a ridiculous front-end load. Well, that depends. When I first started investing in mutual funds, I knew little about investing. With the aid of a broker, my first mutual fund was Fidelity Trend. The...
by mouth
Thu Jan 03, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Which Compact SUV Should I Buy?
Replies: 217
Views: 16666

Re: Which Compact SUV Should I Buy?

Coming from a 2001 Acura MDX and going to a 2018 Kia Sportage SX ... I've been very happy after 7000 miles.
by mouth
Wed Jan 02, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 160
Views: 9619

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

I will try to. Today, 01 January, Vanguard's website let me move $7,000 (out of $14,004.28) from the settlement fund in the family taxable brokerage account to my empty tIRA brokerage account. I plan on converting those settlement funds and a few cents of dividend from last year for VTSAX into my R...
by mouth
Sun Dec 30, 2018 10:06 am
Forum: Personal Investments
Topic: Online Savings Accounts
Replies: 14
Views: 2117

Re: Online Savings Accounts

Has anybody looked into Salliemae money market account? Currently at 2.20%, allows 6 withdraws a month. I know a lot of people recommend Ally, but Salliemae trends a bit higher in interest. If its just for emergency funds, wondering why everyone goes with Ally? https://www.salliemae.com/banking/mon...
by mouth
Thu Dec 27, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: U-shaped CD yield curve?
Replies: 4
Views: 816

Re: U-shaped CD yield curve?

Meanwhile Synchrony is paying 2.2% APR on a nicely liquid savings account
by mouth
Sun Dec 23, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 3180

Re: DCA – change of tune, loss of nerve, and how to time?

Well, we all know which one, it's been discussed ad nauseam ... the right answer is if you have X dollars today the action with the highest expected long-term return is to lump sum. It doesn't matter who you are, it doesn't matter what today is, it doesn't matter what happened yesterday, literally ...
by mouth
Sun Dec 23, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: DCA – change of tune, loss of nerve, and how to time?
Replies: 55
Views: 3180

Re: DCA – change of tune, loss of nerve, and how to time?

That's right. BEFORE you do it (lump sum) you do NOT know whether you will be a "winner" or a "loser", although the *average* has been "up" overall... because of the very long term (albeit erratic) upward trend of the market. It's still an AVERAGE. Not *everyone* who lump sums "wins", vs. IF they h...
by mouth
Sat Dec 22, 2018 4:53 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 12756

Re: My Christmas Present To You

Merry Christmas. Taylor. It is wonderful that you will celebrate this year with the descendants of the family that showed you such kindness. Andy. This! Taylor I can't even imagine the amazing human connection those circumstances created, unfortunate as those circumstances were. Enjoy your cruise! ...
by mouth
Thu Dec 20, 2018 10:38 am
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Re: Use TSP tax-deferred as part of TLH Plan

retiredjg it would amount to changing from 70/30/0 (stock/bond/cash) to 65/30/5 give or take a few tenths. Of course, it would only do it for a month, but it just seems like such an easy thing to do a swap in my TSP. I consider 65/30/5 to be the same as 65/35 which would not require a rebalance for...
by mouth
Thu Dec 20, 2018 8:38 am
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Re: Use TSP tax-deferred as part of TLH Plan

livesoft In my defense searching "TLH using IRA" gets a LOT of hits about wash-sales, the debate about 401(k)s and not using it as a strategy. retiredjg it would amount to changing from 70/30/0 (stock/bond/cash) to 65/30/5 give or take a few tenths. Of course, it would only do it for a month, but i...
by mouth
Thu Dec 20, 2018 7:54 am
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Re: Use TSP tax-deferred as part of TLH Plan

I just finished a round trip back to my original fund and harvested another -5% during the 31 day period. You don't want to miss that opportunity. Holding an extra fund for 31 days combined multiple monthly lots into a larger, single lot which is now back in the original fund. I find less lots more...
by mouth
Thu Dec 20, 2018 7:46 am
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Re: Use TSP tax-deferred as part of TLH Plan

I read no further. It is a good idea. Hearing that from you livesoft is certainly encouraging :sharebeer ... or my post was too long :shock: hahaha So ignoring that I'm talking about the TSP specifically, why don't more people do this or talk about it? I think that's what gives me the most pause. d...
by mouth
Thu Dec 20, 2018 7:43 am
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Re: Use TSP tax-deferred as part of TLH Plan

To the best of my knowledge, no trading that you do in a tax-advantaged account has any bearing on TLHing in a taxable account. Think about it, trades you make in a tax-advantaged account don’t even get reported on your taxes. How would the IRS even know about them? Hmmm but isn't that a wash sale ...
by mouth
Wed Dec 19, 2018 10:43 pm
Forum: Personal Investments
Topic: Use TSP tax-deferred as part of TLH Plan
Replies: 14
Views: 925

Use TSP tax-deferred as part of TLH Plan

Hello and welcome to YATLHQ (yet another tax loss harvesting question). The short version of what I'm asking is can I do this and does it make sense; 1) TLH my taxable account from TSM and park the money in a money market (settlement fund) ... makes my AA deviate from 70/30 2a) Exchange my TSP G-fun...