Search found 224 matches

by McDougal
Wed May 22, 2019 6:57 am
Forum: Personal Consumer Issues
Topic: Can I change int'l flight with connection to non-stop
Replies: 10
Views: 1076

Can I change int'l flight with connection to non-stop

Wondering if this is doable. I have a flight from Florence to Atlanta with a stop in Rome. The FCO-ATL leg has been changed by Delta to a much later flight with a very long layover. So long, that I now prefer to train from Florence to Rome the day before to spend time in Rome. This would eliminate t...
by McDougal
Wed May 22, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Renewing TSA Precheck
Replies: 18
Views: 2455

Re: Renewing TSA Precheck

Another nice thing about Global Entry is that is also a Nexus card for driving across the border (I only know about the Canadian border though). I really find TSA pre super useful, I walk to the airport usually and the security point that is TSA pre only is right by the southern pedestrian entrance...
by McDougal
Fri May 17, 2019 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Bank suggestions in South Carolina
Replies: 8
Views: 781

Re: New Bank suggestions in South Carolina

If you can wait a bit there might be some generous incentives when SunTrust and BBT complete their merger later this year. Not sure you are near any of those banks just putting it out there.
by McDougal
Fri May 17, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Should I replace Prius Hybrid Battery?
Replies: 44
Views: 4419

Re: Should I replace Prius Hybrid Battery?

Serious question. With the Prius battery, is its lifespan dictated by time or miles driven? (Or both?)
Thanks
by McDougal
Thu May 16, 2019 6:50 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 181
Views: 35173

Re: VTSAX or VTWAX over the next 35 years?

You are correct. I just have trouble with the concept saying I am going choose between 1 of 2 options and I won't change that selection for 35 years. I just think so much will change over the next 35 years that the best choice might not even exist yet. That said push come to shove and taking the que...
by McDougal
Fri May 03, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3751

Re: Birthday party- No gifts

mega317 wrote: Thu May 02, 2019 10:53 pm If you're the only one who doesn't bring a gift you'll probably be the favorite guest.
+1
by McDougal
Wed May 01, 2019 6:32 am
Forum: Personal Investments
Topic: Vanguard Financial Plan
Replies: 20
Views: 3507

Re: Vanguard Financial Plan

Welcome to the forum! Have you asked the Vanguard Advisor yet? You are paying him/her after all. My experience with them has been that they are very responsive. YMMV.
Good luck to you.
by McDougal
Tue Apr 30, 2019 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Rolled over and melting down
Replies: 72
Views: 7720

Re: Rolled over and melting down

I strongly suggest that you generally keep either quarterly or annual financial/investment statements for at least a year, or until after taxes are filed. I'm not saying store paper forever, but consider scanning and keeping e-copies for situations like this, IRS audits, etc.
Good luck.
by McDougal
Fri Apr 19, 2019 6:34 am
Forum: Personal Investments
Topic: Am I supposed to start backdoor Conversation now?
Replies: 11
Views: 1418

Re: Am I supposed to start backdoor Conversation now?

Where is the other 75% of your money? Need a lot more info here.
by McDougal
Thu Apr 18, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 2815

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

Outside of being part of an organization, would you just go with the free personal version of LP or subscribe to the Premium? Trying to understand the difference. I would, for a couple of reasons: 1) Fingerprint support on mobile is super-convenient 2) Emergency access 3) I personally find value in...
by McDougal
Thu Apr 18, 2019 2:25 pm
Forum: Personal Consumer Issues
Topic: Final Word from Cyber Security types?-Password Manager for non-techie??
Replies: 43
Views: 2815

Re: Final Word from Cyber Security types?-Password Manager for non-techie??

I had used the free version of LP for a year or 2 and liked it so much I recently went for the subscription. I honestly don't know what benefit that gives me, it seems the same. I will likely no renew when it expires. Bottom line, they both work fine
by McDougal
Thu Apr 18, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: microwave that doesnt beep forever?
Replies: 24
Views: 1824

Re: microwave that doesnt beep forever?

I am the opposite. Mine beeps 3 times when done, and that's all. Many times I have left a cup of coffee or other dish in there and left for work or whatever without it. (yes, I am forgetful) I want to ADD the reminder beeps! I'll keep googling.
Mine is a Jenn-Air Built in Model W10677563A
by McDougal
Tue Apr 16, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 13783

Re: What Are Your Simple Pleasures?

Dancing with my wife.
by McDougal
Mon Apr 15, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6240
Views: 1422095

Re: What Movie Have You Recently Watched?

The Inventor: Out for Blood on HBO. Documentary on the Theranos fiasco. I enjoyed it.
by McDougal
Sat Apr 06, 2019 1:09 pm
Forum: Personal Investments
Topic: Getting Started with an HSA
Replies: 13
Views: 1240

Re: Getting Started with an HSA

I am going to add one more question: If I can afford to pay the medical expenses and not reimburse myself, what are the advantages to not using the HSA until I retire in 10 years? I am still trying to figure out a good strategy. Thank you. Money left in the HSA grows and may be withdrawn without ta...
by McDougal
Tue Apr 02, 2019 5:16 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38504

Re: "The best and worst U.S. states for retirement"

Surprised no one has mentioned Georgia. Moved to ATL 20 years ago for my job from CT. Will definitely retire here. 4 grown kids are all over the US so can't follow them. Some counties (mine included) eliminate education portion of property tax when you turn 62. Mine is now down to $3700 from $11K! ...
by McDougal
Mon Apr 01, 2019 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Renewal of global entry?
Replies: 10
Views: 1295

Re: Renewal of global entry?

Will they notify you that it's time to renew? Or do I need to keep track of expiration, like I do a passport? You should keep track. You're allowed to renew early (up to 6 months, IIRC) with no impact to the expiration date. They just "reminded me" by email at exactly 6 months before the ...
by McDougal
Thu Mar 28, 2019 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Paying "early" on mortgage may be unwise
Replies: 298
Views: 29335

Re: Paying "early" on mortgage may be unwise

If you want to pay extra principal on the mortgage (to reduce interest paid), you must specifically identify such extra to the lender so that the principal is reduced. if/when you do this - you will still be fully obligated to make all monthly mortgage payments on the regular schedule. Yep. This is...
by McDougal
Mon Mar 18, 2019 6:42 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 10843

Re: Paris - Is It Safe?

We are going to Paris in July. I always register trips abroad with the US State Dept program (STEP). I received an email from them Thursday morning about the demonstrations in Paris and elsewhere in France, what to do, what not to do, embassy contact info, etc. While I was surprised to receive this ...
by McDougal
Sat Mar 16, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 87
Views: 9596

Re: Is roth conversion worth it in all cases?

WhiteMaxima wrote: Fri Mar 15, 2019 1:01 pm That's why one should take an earlier retirement and do Roth conversion.
Ah yes, if I only had a time machine. :)
by McDougal
Sat Mar 16, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 87
Views: 9596

Re: Is roth conversion worth it in all cases?

Hi all, OP here, Sorry for the delay in jumping back in – work travel got in the way. I appreciate all the feedback, lively discussion and suggestions. Many, many thanks. A couple of comments and some random things I think are important after perusing the thread. • Regarding our tIRAs, one is pure ...
by McDougal
Sat Mar 16, 2019 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 87
Views: 9596

Re: Is roth conversion worth it in all cases?

I think I need to do a lot of complicated math to determine whether or not Roth conversions between retiring and starting SS is of benefit to me. Am I missing something in my thought process? :confused OP, do remember that at some point of time, your tax status will change to "Single" whi...
by McDougal
Fri Mar 15, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 87
Views: 9596

Re: Is roth conversion worth it in all cases?

Hi all, OP here, Sorry for the delay in jumping back in – work travel got in the way. I appreciate all the feedback, lively discussion and suggestions. Many, many thanks. A couple of comments and some random things I think are important after perusing the thread. • Regarding our tIRAs, one is pure p...
by McDougal
Mon Mar 04, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Picking a VPN -- 2019
Replies: 47
Views: 6354

Re: Picking a VPN -- 2019

Rob5TCP wrote: Sun Mar 03, 2019 8:25 pm I have been using Private Internet Access (PIA) for 3 years. Their service has been
excellent. On sale, I usually pay about $35 per year for 2 years.
delete
by McDougal
Sat Mar 02, 2019 7:14 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 2048
Views: 251667

Re: Post your Financial Milestone Announcements Here

I really like the posts from those who are hitting major goals. It reinforces what most all of us believe. However, don't ever forget what the market gives, the market can, and probably will, take some back. I have been Flagship three times, I hope I will stay this time! Broken Man 1999 Very sage a...
by McDougal
Tue Feb 26, 2019 2:37 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 5308

Re: Anyone Keep a Second Fridge in Garage?

Jack FFR1846 wrote: Tue Feb 26, 2019 2:09 pm Craigslist:

Working full sized refrigerator. Kitchen remodel, wife required new frig. $10, you have to bring enough people to move it.

There ya go.
Or consider donating it to a local church, charity, or a needy family. You'll feel great doing that.
by McDougal
Tue Feb 19, 2019 3:16 pm
Forum: Personal Consumer Issues
Topic: Don't Save your pymt info online
Replies: 35
Views: 4140

Re: Don't Save your pymt info online

Using a virtual credit card number instead of the real number for online purchases would help, if your card issuer has that option.
by McDougal
Fri Feb 15, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much of my bonus should I put in my 401k?
Replies: 19
Views: 1309

Re: How much of my bonus should I put in my 401k?

As mentioned, it is best to determine how your match works. If the match requires you put some amount in every pay period, then you do not want to front load. If your match does not need each pay period, then front load it in and get $19k + match. Check the rules. As bloom and several others have m...
by McDougal
Fri Feb 15, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How much of my bonus should I put in my 401k?
Replies: 19
Views: 1309

Re: How much of my bonus should I put in my 401k?

Not sure if you can still contribute to 401K for calendar year 2018, it may depend on your 401K plan, and not sure if that was your actual question. I know I can't, all contributions have to come from payroll deductions. For moving forward, I always max my 401K contribution. However, I know in advan...
by McDougal
Mon Feb 11, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 7211

Re: Attempting To Be Debt Free

Is there any way to renegotiate/refinance the personal loans? 10% is a big number, and even small relief here will go a long way.
by McDougal
Thu Feb 07, 2019 7:59 am
Forum: Personal Finance (Not Investing)
Topic: condo insurance renewal time - what coverage not necessary?
Replies: 3
Views: 486

Re: condo insurance renewal time - what coverage not necessary?

I know you are looking to see if there is anything you can remove, but I want to point out something you may want to add. I live in a townhome with a condo policy as well. I think it's called H06. The neighborhood assoc. has a master policy for the big stuff. One thing though, there is a huge deduct...
by McDougal
Sat Feb 02, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Is roth conversion worth it in all cases?
Replies: 87
Views: 9596

Is roth conversion worth it in all cases?

I think I need to do a lot of complicated math to determine whether or not Roth conversions between retiring and starting SS is of benefit to me. We are MFJ, me 63, DW 58 both working. Assume I will retire in 3 years at FRA, she will retire in 5 years, 4 yrs before her FRA. All retirement savings is...
by McDougal
Wed Jan 16, 2019 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: HELP and advice
Replies: 11
Views: 823

Re: HELP and advice

Hello, I posted here probably around 2.5 years ago and the advice was sound. I am back to ask individuals for third party advice. It relates to buying a home. As I just finished paying off my loans in December, I wasn't in a rush, however, I happened to stumble on a home near my brother/parents whe...
by McDougal
Tue Jan 15, 2019 7:27 am
Forum: Personal Finance (Not Investing)
Topic: Help me pick a retirement date. Or enough is enough?
Replies: 33
Views: 4667

Re: Help me pick a retirement date. Or enough is enough?

livesoft wrote: Mon Jan 14, 2019 11:50 pm How about on 2/22/22 which is a date many people have planned for retirement?
I did a double take when I saw that date as my FRA is actually 2/2/22!
by McDougal
Sat Jan 05, 2019 8:05 am
Forum: Personal Consumer Issues
Topic: Recommend men's undershirts
Replies: 49
Views: 4297

Re: Recommend men's undershirts

I was gifted some undershirts last year that are made of bamboo. They are much more comfortable than the cotton ones I have worn my whole life. There are many brands out there (my brand has washed off, so don't know the brand!) and they are pricey, but I think the difference is worth it. As suggeste...
by McDougal
Thu Jan 03, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Intro. & Monthly Food Expenses
Replies: 33
Views: 2297

Re: Intro. & Monthly Food Expenses

How much of the $13k is at full-service restaurants? Whatever portion you can switch to places where you order at the counter will save you 15-20% right off the top (unless you are a horrible tipper). Since chain restaurants are your thing, look at buying gift cards at Costco for a significant disc...
by McDougal
Thu Dec 27, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is deciding to pay medical expenses with HSA timing the market?
Replies: 4
Views: 512

Is deciding to pay medical expenses with HSA timing the market?

Hi all, and Happy New Year to a great community!! A recent thread here (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=267657) on market timing got me to thinking about using an HSA to pay for medical bills. I have only been contributing to an HSA for 2 years, so not a huge amount. My thou...
by McDougal
Tue Dec 11, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 375
Views: 25233

Re: What are your property taxes?

My county eliminates the school portion of your property taxes when you turn 62.
Went from $9,300 to 3,700 this year!!!
850K house, 3200 sq ft, 4 years old
by McDougal
Mon Nov 19, 2018 8:56 pm
Forum: Personal Investments
Topic: This is why I need a tax accountant
Replies: 17
Views: 2573

Re: This is why I need a tax accountant

First, did you complete Form 8606 on your 2017 taxes documenting this non-deductible contribution? If not, you will need to do that. 'Do you have a current 401k that will accept a rollover from IRA? Does this 401k have low cost choices? Is that something you are interested in doing? You cannot roll...
by McDougal
Mon Nov 19, 2018 4:47 pm
Forum: Personal Investments
Topic: This is why I need a tax accountant
Replies: 17
Views: 2573

Re: This is why I need a tax accountant

Still confusing. Are you saying that you had an IRA that contained a rollover from a 401k and then you contributed to that IRA as well? When did you do this? Yes. Over the years the companies I worked for had 401Ks which I always maxed out and kept rolling into the the new company's 401K. I never h...
by McDougal
Mon Nov 19, 2018 2:39 pm
Forum: Personal Investments
Topic: This is why I need a tax accountant
Replies: 17
Views: 2573

Re: This is why I need a tax accountant

Don't ask why because I do not know, but in 2017 I made a non-deductible contribution of $6,500 to my tIR A at Vanguard. I did not use tax form 8606 when I filed my return. How big a mistake is this, and is there anything I should or am required to do at this point? It is the only contribution I ha...
by McDougal
Mon Nov 19, 2018 7:57 am
Forum: Personal Investments
Topic: This is why I need a tax accountant
Replies: 17
Views: 2573

This is why I need a tax accountant

Don't ask why because I do not know, but in 2017 I made a non-deductible contribution of $6,500 to my tIRA at Vanguard. I did not use tax form 8606 when I filed my return. How big a mistake is this, and is there anything I should or am required to do at this point? It is the only contribution I have...
by McDougal
Thu Nov 15, 2018 3:22 pm
Forum: Personal Investments
Topic: Another me+spouse HSA question
Replies: 4
Views: 393

Re: Another me+spouse HSA question

Thanks for all the feedback, much clearer now!
by McDougal
Thu Nov 15, 2018 10:05 am
Forum: Personal Investments
Topic: Another me+spouse HSA question
Replies: 4
Views: 393

Another me+spouse HSA question

I know there are scores of threads on HSA but I have not seen any helping me with a question. Our situation is, both i and my wife are over 50, work for 2 different employers, we each have solo HDHPs. Here is my dilemma. we are each contributing $4,450. to our HSAs. My math is either Family limit, $...
by McDougal
Sun Nov 04, 2018 7:06 pm
Forum: Personal Investments
Topic: RMDs and taxes
Replies: 28
Views: 3054

Re: RMDs and taxes

island wrote: Sat Nov 03, 2018 6:09 pm

Is this something a financial advisor or a tax specialist can help with? Any specific books or readings that covers this?

Thanks!
I'd be interested to see any replies to the second part of the OP's question from our experienced BHs.
by McDougal
Wed Oct 31, 2018 6:07 am
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3270

Re: Sell land at a loss or keep?

OP here. Thanks again for weighing in. For more clarity, the land is paid off. I don't need the money. I bought it with the intent of using it myself, not as an investment. It is in a gated community of large tracts of land, so I cannot fell trees or anything to recoup any money. The 50K estimate c...
by McDougal
Tue Oct 30, 2018 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3270

Re: Sell land at a loss or keep?

OP here. Thanks again for weighing in. For more clarity, the land is paid off. I don't need the money. I bought it with the intent of using it myself, not as an investment. It is in a gated community of large tracts of land, so I cannot fell trees or anything to recoup any money. The 50K estimate ca...
by McDougal
Mon Oct 29, 2018 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3270

Re: Sell land at a loss or keep?

Thanks to all for the input. My initial thought was shock, and that I had to sell it and move on. Then I started to dwell on the capital loss. I realized emotion was creeping in and I appreciate the wisdom shared by this board. I am comfortable in selling and using the left over proceeds for adding ...
by McDougal
Sat Oct 27, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sell land at a loss or keep?
Replies: 38
Views: 3270

Sell land at a loss or keep?

Well I did something stupid 10 years ago and impulse-bought 5 acres of land in the mountains about 2 hours from our home. The plan at the time was to eventually build a cabin, probably to vacation on and possibly to retire to. Land cost 100K. Life happened, never built, never did anything. Our prior...
by McDougal
Sun Oct 14, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity "FidSafe" Free online storage of documents - is this safe?
Replies: 49
Views: 11569

Re: Fidelity "FidSafe" Free online storage of documents - is this safe?

Also remember flash drives have a limited life span. Up to ten years for a high quality one, but not forever. And that's if nothing malfunctions in the drive along the way. Again, not to sound "over the top" but if I was using this method I'd have a backup of my drive in a separate place.