Search found 489 matches

by MDfan
Wed Dec 23, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

make sure the spouse can keep FEHB after you are "gone". Why would she not be able to? I've had family coverage for 23 years and that won't change. As far as I know, as long as you opt for the slight reduction with the survivor annuity, she can keep the coverage. Thanks. Our plan figures ...
by MDfan
Wed Dec 23, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

chalet wrote: Wed Dec 23, 2020 3:59 am make sure the spouse can keep FEHB after you are "gone".
Why would she not be able to? I've had family coverage for 23 years and that won't change.
by MDfan
Wed Dec 23, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

I'm turning 60 in October 2021 and plan to retire soon thereafter. For recent FERS retirees, anything I should do to maximize my retirement? I know I should retire before the end of the month, and am going to try to go to December 31st to maximize my annual leave payout. I have about 700 hours of s...
by MDfan
Wed Dec 23, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 470
Views: 38632

Re: What kind of car do Bogleheads like to drive?

I'm about to make my first car purchase and I want to hear what Bogleheads like to drive. I'm looking for a sedan type, and something with good gas mileage and is very reliable. Not looking for anything flashy either. Love my Hyundai Sonata. I've had a Maxima, an Accord and an Altima. The Sonata is...
by MDfan
Tue Dec 22, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

I'm turning 60 in October 2021 and plan to retire soon thereafter. For recent FERS retirees, anything I should do to maximize my retirement? I know I should retire before the end of the month, and am going to try to go to December 31st to maximize my annual leave payout. I have about 700 hours of s...
by MDfan
Tue Dec 22, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Swee'pea wrote: Tue Dec 22, 2020 9:14 am If you retire at the end of December 2021, your annual leave will be paid to you in early 2022 as earned income. This payout can be used to make an IRA or Roth IRA contribution for 2022.

Congratulations.
Or a really nice vacation. :)
by MDfan
Tue Dec 22, 2020 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Thanks. I'm just a civilian govt GS-scale employee. Seems like December is the way to go if I have more than 240 hours that I don't plan to use before the end of the year. If I don't have that use or lose, I may stretch it into January. (sorry, edited out the "commissioned corp" part (aft...
by MDfan
Tue Dec 22, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Thanks. I'm just a civilian govt GS-scale employee. Seems like December is the way to go if I have more than 240 hours that I don't plan to use before the end of the year. If I don't have that use or lose, I may stretch it into January.
by MDfan
Tue Dec 22, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Thank you. Your advice about taking the AL payout in 2022 when our income will be lower makes sense, but that means I would have to use all of my use or lose in 2021 since you can only carry over 240. So, for example, I could get paid for around 400 hours if I retired before the end of 2021 (assumin...
by MDfan
Tue Dec 22, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: WiFi Extender Recommendation
Replies: 56
Views: 2485

Re: WiFi Extender Recommendation

walkabout wrote: Mon Dec 21, 2020 6:41 pm I would go mesh. We have eero and are 100% satisfied.
I second the Eero suggestion. It has really enhanced our wi-fi speeds throughout the house.
by MDfan
Tue Dec 22, 2020 7:02 am
Forum: Personal Investments
Topic: Do Bogleheads hire Financial Advisors? If so why?
Replies: 86
Views: 6134

Re: Do Bogleheads hire Financial Advisors? If so why?

We hired an advisor for advice only as we near retirement (within one year) for many of the reasons you suggested. We pay him a fixed quarterly fee which is less than what we would pay for Vanguard or Schwab personal advisory services. He came highly recommended and has given us some good advice reg...
by MDfan
Tue Dec 22, 2020 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Check this for the best dates to retire. https://www.myfederalretirement.com/best-dates-retire/ You can add your spouse onto your FEHB. If she loses health coverage due to her retirement or loss of job, that is considered a life event and she can be added immediately without waiting for open season...
by MDfan
Tue Dec 22, 2020 6:38 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Congrats on ur upcoming retirement! I retired at 59, best decision ever for me. When I retired, I transferred the Roth portion of my tsp to fidelity so that I can have the asset allocation more aggressive that the money left in tsp pre tax. I also transferred some pre tax tsp funds to a traditional...
by MDfan
Tue Dec 22, 2020 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Does your maximizing annual leave strategy in December include Use-Or-Lose? You would lose that if you went in January, right? I'm carrying over 240 this year and if I have more than 240 by December, I'd definitely retire before losing that balance. Or take a really long trip before I go. Not sure ...
by MDfan
Tue Dec 22, 2020 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

I am maxed out on the GS scale and only get whatever raise Congress gives us. Usually not more than 1-2%. Don’t see us getting much of anything the next couple of years. I would think the only reason to go into January is more annual leave, and more weeks of salary, I guess. I’m looking at 12/31 rig...
by MDfan
Mon Dec 21, 2020 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

You can find the sick leave conversion chart at this address: https://www.federalretirement.net/sickleavechart.htm The 700 hours would add 4 months of service time to the total used to compute your FERS pension. Every little bit helps. Similar to MichDad, I had 18 months of time added to my pension...
by MDfan
Mon Dec 21, 2020 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Re: Any rules of thumb for FERS (federal) retirement?

Thanks. Yeah I've calculated the difference in waiting until 62 and it is just not worth it to me. I'd rather have the extra time and it would make very little difference to our overall financial plan. No buyouts, unfortunately. And I thought my wife would automatically be covered under my federal h...
by MDfan
Mon Dec 21, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4026

Any rules of thumb for FERS (federal) retirement?

I'm turning 60 in October 2021 and plan to retire soon thereafter. For recent FERS retirees, anything I should do to maximize my retirement? I know I should retire before the end of the month, and am going to try to go to December 31st to maximize my annual leave payout. I have about 700 hours of si...
by MDfan
Mon Dec 21, 2020 9:15 am
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11557

Re: Cord cutting 2020 - Youtube TV

I am curious about this too. I have cable and have thought about switching to YouTube TV but am not seeing where the savings come from. We have the AT&T U-Verse 200 package (includes hundreds of channels) with 300mps Internet (unlimited data). The service includes HD, DVR with plenty of capacit...
by MDfan
Sun Dec 20, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11557

Re: Cord cutting 2020 - Youtube TV

$65 + high speed internet adds up to be the same price as cable 5 years ago with the same channels. Is cutting the cord really saving us money? I am curious about this too. I have cable and have thought about switching to YouTube TV but am not seeing where the savings come from. We have the AT&...
by MDfan
Sun Dec 20, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11557

Re: Cord cutting 2020 - Youtube TV

$65 + high speed internet adds up to be the same price as cable 5 years ago with the same channels. Is cutting the cord really saving us money? I am curious about this too. I have cable and have thought about switching to YouTube TV but am not seeing where the savings come from. We have the AT&...
by MDfan
Sat Dec 19, 2020 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: how much annual income do you think you need in retirement?
Replies: 113
Views: 8563

Re: Poll: how much annual income do you think you need in retirement?

Probably about $10k/mo for expenses (including mortgage). Maybe extra for big trips every year.
by MDfan
Sat Dec 19, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 13973

Re: Who's keeping Netflix now? (price increased to $13.99)

Good Listener wrote: Thu Dec 17, 2020 8:58 pm Being retired, I have probably watched over 150 hours of content a month on Netflix. Are you kidding me? Id pa 50 a month.
Me too. We pay for Netflix, Hulu, Prime (although we get the student rate), Apple+ and YTTV (w/ Showtime and HBOMax). Still feel like it's worth it.
by MDfan
Fri Dec 18, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: If you're already FI and still work . . . 
Replies: 149
Views: 12584

Re: If you're already FI and still work . . . 

The minute I retire next Fall, I will never think about work again.
by MDfan
Thu Dec 17, 2020 6:43 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11557

Re: Cord cutting 2020 - Youtube TV

Love YTTV. Saving me a good bit of money as opposed to the FIOS we used to have. Love the unlimited DVR. I don't mind paying $65 (plus extra for premiums) for TV. Especially now when there's little else to do.
by MDfan
Tue Dec 15, 2020 7:41 am
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4719

Re: How to watch all NFL games

NFL games are only five channels, CBS, FOX, NBC, ESPN, and NFL. Almost all cable carriers have an NFL package where you get the NFL channel and the other four channels to allow you to watch and record every single game. I'm guessing though you are wanting the cable cutting version and I don't know ...
by MDfan
Mon Dec 14, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4719

Re: How to watch all NFL games

NFL games are only five channels, CBS, FOX, NBC, ESPN, and NFL. Almost all cable carriers have an NFL package where you get the NFL channel and the other four channels to allow you to watch and record every single game. I'm guessing though you are wanting the cable cutting version and I don't know ...
by MDfan
Thu Dec 10, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 202
Views: 12316

Re: Do you still wear a necktie to work?

Work as a fed attorney and have only worn a tie when conducting interviews over the last 20 years. So, maybe once a year?
by MDfan
Tue Dec 08, 2020 8:13 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254349

Re: [What TV Show Have You Recently Watched?]

Recently completed HBO's Industry (8 Episodes), interesting UK take on J.P. Morgan and Goldman Sachs. If you're a fan of Margin Call, Billions, or Skins, it's worth a watch. Curious to see what others here think about it. Making trades over the phone seems so archaic. I really enjoyed the first sea...
by MDfan
Mon Dec 07, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Netflix - New Way Of Throttling [DVDs]?
Replies: 94
Views: 15839

Re: Netflix - New Way Of Throttling [DVDs]?

MotoTrojan wrote: Wed Feb 05, 2020 1:56 pm I honestly had no idea that Netflix still had a DVD business.
Same. I don’t think I’ve even watched a DVD in about 3 years.
by MDfan
Mon Dec 07, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: How much do you spend on gifts for the holidays?
Replies: 73
Views: 4278

Re: How much do you spend on gifts for the holidays?

Probably about $2k total on kids (3), wife, me, parents, and nieces and nephews. That's not including charitable donations (probably around $1k) and our house cleaner (usually double her December payment, especially this year).
by MDfan
Mon Dec 07, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Saving $ on my coffee habit
Replies: 95
Views: 5916

Re: Saving $ on my coffee habit

Can you estimate your coffee expenses? how much do you spend on a daily basis and what is your method? Thanks My daily coffee expenses are $0. My method is not drinking the stuff. By your calculations, I have saved $102,930 thus far with my method. :shock: That's me. I am 59 and have never had a cu...
by MDfan
Sun Dec 06, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hate My Job
Replies: 239
Views: 20840

Re: Hate My Job

Can you find another job, even if it pays quite a bit less? Every way you can reduce taking money out of your savings at your time of life is a win, as money left in there keeps growing. Even if you have to work for half your current pay, if a new job is okay I would accept it. I have had two terri...
by MDfan
Sat Dec 05, 2020 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8117

Re: Commuting after COVID

I'm planning to retire in October. I've been home since March and I hope it continues until at least the summer. October would be even better. I think you will be fine. The vaccination program will be going on through June and beyond. Hope so. I'm a federal employee in DC and was already working at...
by MDfan
Sat Dec 05, 2020 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8117

Re: Commuting after COVID

I'm planning to retire in October. I've been home since March and I hope it continues until at least the summer. October would be even better. I think you will be fine. The vaccination program will be going on through June and beyond. Hope so. I'm a federal employee in DC and was already working at...
by MDfan
Sat Dec 05, 2020 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Commuting after COVID
Replies: 133
Views: 8117

Re: Commuting after COVID

I'm planning to retire in October. I've been home since March and I hope it continues until at least the summer. October would be even better.
by MDfan
Sun Nov 29, 2020 8:27 pm
Forum: Personal Consumer Issues
Topic: Fitness Rowers: Hydrow vs Concept 2
Replies: 34
Views: 2286

Re: Fitness Rowers: Hydrow vs Concept 2

Just got a Hydrow last week. Really enjoying it so far. I've never used the Concept 2, but I like the bells and whistles of the Hydrow. Much better overall body workout than the Peloton (I had a Peloton for 2 years and sold it when I started having lower back issues). I like the fact that the Hydrow...
by MDfan
Mon Nov 23, 2020 11:30 am
Forum: Personal Consumer Issues
Topic: WSJ Subscription at $4/month
Replies: 29
Views: 2937

Re: WSJ Subscription at $4/month

Thank you all for the suggestions. I went ahead and purchased the subscription with my normal credit card. 12 months at $4/month I'm going to give the company a chance to do right at the time I call to cancel. If I have any issues with cancelling this time next year, I will keep that in mind for fu...
by MDfan
Tue Nov 17, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Record Keeping and Financial Statements - what to keep and how
Replies: 49
Views: 3175

Re: Record Keeping and Financial Statements - what to keep and how

Do you all keep actual bank statements on your computers? What about credit card statements? I honestly don't even look at most of them other than the payment due date and amount to pay in full If a balance seems unusually high, I'll look into the detail. I keep bank statements for one month. Until...
by MDfan
Tue Nov 17, 2020 7:54 am
Forum: Personal Consumer Issues
Topic: HBO Max - view on TV?
Replies: 36
Views: 1869

Re: HBO Max - view on TV?

Been watching HBOMax on my Samsung TV and Amazon Firestick for months with no issue. Just had to side load it as described in these YouTube videos.

https://www.youtube.com/results?search_ ... +firestick
by MDfan
Mon Nov 16, 2020 8:12 pm
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 92
Views: 8130

Re: I just bought a Peloton - Love it!

Just purchased a Hydrow with Best Buy's Black Friday sale. $600 off total ($250 off, $250 BB gift card, $100 in BB rewards by using credit card).
by MDfan
Sun Nov 15, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card sign up bonus's
Replies: 18
Views: 1162

Re: Credit Card sign up bonus's

I used to play the credit card churning game and got some great sign up bonuses - mainly in the travel category. I haven't really done much lately due to the having a baby and well, COVID. I figured the hotels and airlines might be hurting and looking for business and wondering if anyone knows of s...
by MDfan
Sun Nov 15, 2020 10:16 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254349

Re: [What TV Show Have You Recently Watched?]

Queens Gambit was completed last night. Excellent show and heartwarming end to the show. Makes me want to: 1. Read the book. 2. Learn how to play chess. Ed Agree one of the best shows we have watched in awhile we are not chess players but still loved it. Best original show Netflix has put out by far.
by MDfan
Thu Nov 12, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Back to Golfing: Best GPS Options?
Replies: 11
Views: 628

Re: Back to Golfing: Best GPS Options?

I use the Golfshot Pro app on my Iphone. It cost me $29.99 about 8 years ago and it does everything I need. Gives me distances to front, middle and back, as well as bunkers and hazards.
by MDfan
Sat Nov 07, 2020 2:53 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254349

Re: [What TV Show Have You Recently Watched?]

chipperd wrote: Mon Nov 02, 2020 4:52 pm "Queens Gambit". Definitely recommend.
Fantastic show.
by MDfan
Mon Nov 02, 2020 9:35 am
Forum: Personal Consumer Issues
Topic: Sorority forcing signing updated live-in agreement
Replies: 21
Views: 3033

Re: Sorority forcing signing updated live-in agreement

Had similar issue with my daughter's sorority in Tennessee, but we had already signed a lease for an off-campus apartment so she was able to get out of it. They told a bunch of the girls back in the summer that they had to live in the house. We just said no and showed them the lease.
by MDfan
Sat Oct 31, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420917

Re: What Movie Have You Recently Watched?

stoptothink wrote: Wed Oct 21, 2020 8:22 am Watched "Knives Out" with the wife last night. She liked it, I thought it was silly, unrealistic, and contrived (which was likely the point). It was OK, but not my cup of tea.
Knives Out was a really good, fun movie.
by MDfan
Sat Oct 31, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: Home Printer/Scanner
Replies: 33
Views: 1604

Re: Home Printer/Scanner

Had a Brother all-in-one color printer for about 5 years. Black ink stopped working. Just bought a Brother monochrome laser (don't need color) printer/scanner/copier.
by MDfan
Sat Oct 31, 2020 8:03 pm
Forum: Personal Consumer Issues
Topic: I just bought a Peloton - Love it!
Replies: 92
Views: 8130

Re: I just bought a Peloton - Love it!

My wife is thinking of buying one. I understand that almost everybody loves it for the initial few months. Can anybody who has owned it for >1 year chime in. Most costly exercise equipment is unused by its first anniversary. That is not true for OLED TV. I had mine for about two years. I started ha...