Search found 289 matches

by JediMisty
Sun Jan 06, 2019 9:59 pm
Forum: Personal Consumer Issues
Topic: Carryon for 7-day FL vacation?
Replies: 63
Views: 2862

Re: Carryon for 7-day FL vacation?

I still have family in Jacksonville, so I go one a year. I use a carry-on and a backpack. One helpful hint is that I take clothes that are ready to be thrown out. I wear them once or twice and toss them. I go to a consignment shop or department store with my sister and buy another shirt, sweater, pa...
by JediMisty
Sun Jan 06, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone affected by the government shutdown?
Replies: 35
Views: 3093

Re: Anyone affected by the government shutdown?

I work for a megacorp on a federal contract. Our furlough began December 28th as there was money in a certain budget until then. I used vacation pay last week. I start unemployment tomorrow. Besides this uncertainty, our current contract ends in a few weeks. We expect an RFP soon and hoped for (yet ...
by JediMisty
Fri Dec 28, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice to family members
Replies: 37
Views: 3545

Re: Financial advice to family members

Has anyone been in a similar situation? Any suggestions for what to do, if anything? ... They always spend more than they make and live paycheck to paycheck with no emergency or retirement savings. ... My advice? Give up sooner rather than later. You can't fix her and she will resent the effort. I ...
by JediMisty
Fri Dec 28, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice to family members
Replies: 37
Views: 3545

Re: Financial advice to family members

I have a younger sister who's in her late 20s. She hasn't started saving for retirement yet. I've been gently nudging her around tax time for the past couple of years to look into opening up an IRA. She isn't terribly interested in financial matters, for example, all her savings is in a checking ac...
by JediMisty
Fri Dec 28, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Last Minute Solo 401k Questions
Replies: 3
Views: 235

Re: Last Minute Solo 401k Questions

1. First of the year. NOT today's date. When I opened my solo 401(k) at TDAmeritrade the local rep was helpful by saying "I don't know much about this, so please call our 401(k) specialist in the corporate office." 2. My accounts were open as soon as the paperwork was signed. It is possible that yo...
by JediMisty
Fri Dec 28, 2018 9:03 am
Forum: Personal Investments
Topic: How to decide how to allocate next year's contributions and pros/cons
Replies: 22
Views: 1938

Re: How to decide how to allocate next year's contributions and pros/cons

Hi all, I am looking for some help on how to best allocate the funds I expect to have for next year's contributions across my retirement and long-term savings accounts, how to create some tax-treatment diversification for flexibility, and whether my current asset allocation makes sense for me. Both...
by JediMisty
Wed Dec 26, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9887

Re: What common everyday inconvenience have you intentionally suffered for frugality?

Not a coffee drinker, but I love diet peach Snapple. I buy the single powders and make them myself rather than buy the bottled ones. I wash out the glass bottles in the dishwasher, a clean one every day and make three or four throughout the day. Better for the environment and easier than lugging the...
by JediMisty
Wed Dec 26, 2018 9:41 pm
Forum: Personal Investments
Topic: How to manage “uncertain” Roth eligibility years
Replies: 15
Views: 1023

Re: How to manage “uncertain” Roth eligibility years

Greetings Bogleheads! First, I wanted to sincerely thank everyone here for the wealth of information this forum has provided over the years, and of course Taylor, Mel and other contributing authors to the books. You’ve all greatly helped to put me on a healthy financial course. My spouse and I were...
by JediMisty
Tue Dec 25, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99997

Re: What frugal thing did you do today?

Today I carefully opened a gift from my BF sister with lovely wrapping. Then immediately wrapped a gift I gave my son that was almost the same dimensions with the same paper and ribbon. Gave the gift a couple of hours later. The gift and wrapping were much appreciated.
by JediMisty
Sat Dec 22, 2018 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?
Replies: 5
Views: 292

Re: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?

I've never thought of this before because we've always itemized and I've always just let tax software handle it, but this year we may use the standard deduction... Are medical/dental/vision insurance premiums removed from my paycheck/paystub still tax deductible when you use the standard deduction ...
by JediMisty
Sat Dec 22, 2018 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?
Replies: 5
Views: 292

Re: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?

I've never thought of this before because we've always itemized and I've always just let tax software handle it, but this year we may use the standard deduction... Are medical/dental/vision insurance premiums removed from my paycheck/paystub still tax deductible when you use the standard deduction ...
by JediMisty
Sat Dec 22, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?
Replies: 5
Views: 292

Re: Paycheck Insurance Deductions Tax Deductible with Std. Deduction?

I've never thought of this before because we've always itemized and I've always just let tax software handle it, but this year we may use the standard deduction... Are medical/dental/vision insurance premiums removed from my paycheck/paystub still tax deductible when you use the standard deduction ...
by JediMisty
Wed Dec 19, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10628

Re: I feel cheated, saved too much in 401K vs cash.

I had both the 401k and income producing real estate. I always maxed out the 401k and paid cash for the rental. Although I enjoyed the write- offs off the rental, I would take the tax and savings benefits I received from the 401k over any bennies I got from the rental. The 401k never required a new...
by JediMisty
Wed Dec 19, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 125
Views: 17607

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

We just realized that the 401k contribution limit is $55K. We always thought it was $18.5K, but just found out that $18.5K is the elective deferral portion but we can choose to contribute to it on a post-tax basis. A bit late to the game... :oops: Theoretically, if we are able to, should we max out...
by JediMisty
Wed Dec 19, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 36
Views: 2619

Re: Kitchen refresh/remodel ideas

TLDR - pondering both cheap and expensive ways to refresh a 90s kitchen. Major layout changes are not really in the cards (the kitchen is big enough). === Our house was built mid-90s. It's relatively large, but many of the finishes were fairly basic/cheap. The kitchen has laminate cabinets and coun...
by JediMisty
Tue Dec 18, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2829

Re: Tips for a cold bedroom above a garage?

Hi all, The title says it all. An oversized one car garage with a master bedroom that is chilly even when heat is at 70 degrees. I know this is common. Any simple solutions? Thanks in advance! Do you have Central air/heat? All our upstairs bedrooms are colder than downstairs, especially the master ...
by JediMisty
Tue Dec 18, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: Tips for a cold bedroom above a garage?
Replies: 36
Views: 2829

Re: Tips for a cold bedroom above a garage?

Hi all, The title says it all. An oversized one car garage with a master bedroom that is chilly even when heat is at 70 degrees. I know this is common. Any simple solutions? Thanks in advance! Do you have Central air/heat? All our upstairs bedrooms are colder than downstairs, especially the master ...
by JediMisty
Mon Dec 17, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: When to refinish the floors
Replies: 10
Views: 767

Re: When to refinish the floors

Our house was built in 1960 and has lovely wood floors. For most of the first 40 years, the floors were covered in carpet. When we bought the house 20 years ago, we took up the carpet. The floors were finished under the carpet. Twenty years on, they are looking a bit worn in places. My husband will...
by JediMisty
Mon Dec 17, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 185
Views: 13076

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

I use DAN, as we are divers, and Chase Sapphire Reserve coverage note: we have never filed a claim on either but know a couple people who benefitted greatly from DAN insurance after dive issues. Also a diver. Also buy the highest level of insurance through DAN. It's available for nondivers. Yep, kn...
by JediMisty
Mon Dec 17, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: When has being frugal or cheaping out bit you in the rear?
Replies: 109
Views: 8673

Re: When has being frugal or cheating out bit you in the rear?

I have found myself out traveling or at some event where bottles of water were around $3.00 and I baulked at paying that much and ended up getting dehydrated and getting a headache and grumpy. I didn't get sick but I realized that once I spend the time and money to do things that spending a few buc...
by JediMisty
Mon Dec 17, 2018 8:35 am
Forum: US Chapters
Topic: Any interest in a central New Jersey chapter?
Replies: 30
Views: 3220

Re: Any interest in a central New Jersey chapter?

Indyrph wrote:
Sun Dec 16, 2018 10:27 pm
I am a novice to investing, and a new boglehead.
Very interested in joining.
Great! We need five total (including me) to start a chapter. Encourage your friends to sign up. I'll keep you posted on our progress.
by JediMisty
Sun Dec 16, 2018 10:10 pm
Forum: US Chapters
Topic: Any interest in a central New Jersey chapter?
Replies: 30
Views: 3220

Any interest in a central New Jersey chapter?

I'd like to see if there's any interest in starting a chapter for central New Jersey?
by JediMisty
Sun Dec 16, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99997

Re: What frugal thing did you do today?

Enjoying a wonderful cozy fire ( one of many) with wood I got for free. Some was cut from my dead trees on my property, some was gathered from nearby folks leaving it by the street in the aftermath of storms. It's sawed with a chainsaw and split into convenient pieces. I have easily 5 years worth, ...
by JediMisty
Sun Dec 16, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 190
Views: 15047

Re: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court

I think the real question is how the uncertainty is impacting your personal situation, and what you can do about it. Those who retire at 65 are eligible for Medicare. Those who retire before 65 need to use employer healthcare retirement benefits (if available), use Obamacare, or use one of the comp...
by JediMisty
Sun Dec 16, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99997

Re: What frugal thing did you do today?

Enjoying a wonderful cozy fire ( one of many) with wood I got for free. Some was cut from my dead trees on my property, some was gathered from nearby folks leaving it by the street in the aftermath of storms. It's sawed with a chainsaw and split into convenient pieces. I have easily 5 years worth, p...
by JediMisty
Sat Dec 15, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Polyurethane- House STINKS
Replies: 19
Views: 2118

Re: Polyurethane- House STINKS

It’s called hydro. I belIeve waterbased. We’ve been staying at friends. They just finished today so I’m hoping we can start staying there again in a few days. I’m going to open windows and air it out tomorrow. Well, aside from the annoyance of the smell, the detrimental effects of water based for a...
by JediMisty
Sat Dec 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Polyurethane- House STINKS
Replies: 19
Views: 2118

Re: Polyurethane- House STINKS

Hi, We are having the floors redone and the house STINKS! Everything I read says the house should be in the 68-72 degree range for the Poly to cure but also says for the smell to go away you need the windows open. I’m in the Northeast and the weekend is calling for the temperature to be in the 50s....
by JediMisty
Sat Dec 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Polyurethane- House STINKS
Replies: 19
Views: 2118

Re: Polyurethane- House STINKS

Hi, We are having the floors redone and the house STINKS! Everything I read says the house should be in the 68-72 degree range for the Poly to cure but also says for the smell to go away you need the windows open. I’m in the Northeast and the weekend is calling for the temperature to be in the 50s....
by JediMisty
Sat Dec 15, 2018 12:59 pm
Forum: Personal Investments
Topic: I made a mistake by not selling when the market was high this year
Replies: 153
Views: 20058

Re: I made a mistake by not selling when the market was high this year

You didn’t make a mistake and it’s normal to feel things like this. The good thing is your Boglehead training stopped you from taking action. You should reflect on all the times you stayed the course and how it has benefited you to this point. The only way you should be mildly critical of yourself ...
by JediMisty
Fri Dec 14, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3058

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by JediMisty
Fri Dec 14, 2018 4:19 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3058

Re: Is it difficult to change a baby's legal name?

We are an Asian family and tend to give a lot of weight to the meaning of a name in our culture, but I hear that is not really the case in America, so perhaps that should not be the deciding factor.. If we pick James, we'd like him to be called James and not Jim or Jimmy. Is it inevitable that some...
by JediMisty
Fri Dec 14, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3058

Re: Is it difficult to change a baby's legal name?

They both sound good. Try flipping a coin and calling it in the air. If you regret the coin result, you'll know your preference. (I'm partial to James. Three possible choices for him to go by: James, Jim, and Jimmy). To answer your question, name changes have to be done in court. You must file a pet...
by JediMisty
Fri Dec 14, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Defining terms: Megacorp
Replies: 15
Views: 1082

Re: Defining terms: Megacorp

It is a generic term to indicate that the poster works at a company you have probably heard of, and/or the poster feels lost in bureaucracy. It's purpose is to be generic, therefore a narrow definition would be counterproductive. Well, it depends on the context of the poster. But generally what sai...
by JediMisty
Fri Dec 14, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 20978

Re: Favorite Purchase of 2018?

What was your favorite product you purchased in 2018? Could be big or small items. Mine is probably an American Giant Hoodie that I have ended up wearing almost every day this fall and winter. Runner up: Kinco mittens. Cheap, but warm especially after waterproofing them. Tickets to see "Hamilton" o...
by JediMisty
Thu Dec 13, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6950

Re: Personal Adventure - recommendations

I have been retired for two years. During that time I have twice participated in a long distance single handed sailboat race. After the second race this July, I sailed my 30 foot boat 2700 miles open ocean to return to home port, also singlehanded. The timing of my retirement was designed specifica...
by JediMisty
Thu Dec 13, 2018 8:51 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 97
Views: 6950

Re: Personal Adventure - recommendations

I have been retired for two years. During that time I have twice participated in a long distance single handed sailboat race. After the second race this July, I sailed my 30 foot boat 2700 miles open ocean to return to home port, also singlehanded. The timing of my retirement was designed specifica...
by JediMisty
Thu Dec 13, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 23415

Re: What percentage of your net worth is your home equity?

I always treat my homes as an investment. I buy a style and a neighborhood that I think will cause a house to appreciate. I maintain my investment by making updates, repairing issues, and keeping lawn nice and presentable. When I sell my investment I market it to get the price. I have too much inve...
by JediMisty
Thu Dec 13, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 23415

Re: What percentage of your net worth is your home equity?

I always treat my homes as an investment. I buy a style and a neighborhood that I think will cause a house to appreciate. I maintain my investment by making updates, repairing issues, and keeping lawn nice and presentable. When I sell my investment I market it to get the price. I have too much inve...
by JediMisty
Thu Dec 13, 2018 9:49 am
Forum: Personal Consumer Issues
Topic: Should I buy a Tesla?
Replies: 123
Views: 6470

Re: Should I buy a Tesla?

Impossible to answer without more context, but your sentence 'starting a new job that will pay me... indicates a big NO. First rule of financial well being. Don't spend money you don't yet have. Get your savings rate on track. Maximize all tax-advantaged space available to you. Get a solid buffer f...
by JediMisty
Wed Dec 12, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital losses and income taxes
Replies: 5
Views: 412

Re: Capital losses and income taxes

Since gains in a house are tax-free for the most part, losses are not deductible from home sale. See IRS Publication 523: https://www.irs.gov/pub/irs-pdf/p523.pdf The fact losses are not deductible has no relationship to the fact gains can be partially or entirely tax free. A personal residence is ...
by JediMisty
Wed Dec 12, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Capital losses and income taxes
Replies: 5
Views: 412

Re: Capital losses and income taxes

Since gains in a house are tax-free for the most part, losses are not deductible from home sale. See IRS Publication 523: https://www.irs.gov/pub/irs-pdf/p523.pdf The fact losses are not deductible has no relationship to the fact gains can be partially or entirely tax free. A personal residence is ...
by JediMisty
Wed Dec 12, 2018 5:45 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

I am looking at my dividends for Total Stock Market for 2018. How do I know if they are ordinary or qualified dividends? The QDI column tells you the percentage that is qualified. please help me with where I find this on Vanguard Total Stock Fund. I looked under cost basis and only see short and lo...
by JediMisty
Wed Dec 12, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

The pdf document at the link below seems to refer to dividend distributions "estimated through December 31,2018," but everyone here seems to be saying the values shown are either December only or 4th quarter only. Someone else said VTTVX Target Retirement 2025 Fund only has one per year. ?? :shock:...
by JediMisty
Wed Dec 12, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

.3×4×27500=$33,000 Average dividend of $0.30 per quarter * 4 quarters times shares.. I told you I never looked at this before 😀 Multiply the per share estimate to get this Decembers quarterly estimate. Then, look up the amount received previously for the other quarters and add them to this quarters...
by JediMisty
Wed Dec 12, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

.3×4×27500=$33,000 Average dividend of $0.30 per quarter * 4 quarters times shares.. I told you I never looked at this before 😀 Multiply the per share estimate to get this Decembers quarterly estimate. Then, look up the amount received previously for the other quarters and add them to this quarters...
by JediMisty
Wed Dec 12, 2018 2:56 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

.3×4×27500=$33,000 Average dividend of $0.30 per quarter * 4 quarters times shares.. I told you I never looked at this before 😀 Multiply the per share estimate to get this Decembers quarterly estimate. Then, look up the amount received previously for the other quarters and add them to this quarters...
by JediMisty
Wed Dec 12, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Individual 401K now offering Admiral funds
Replies: 66
Views: 7116

Re: Admiral shares now allowed in Individual / Solo 401k

With the reduction in the minimum balance for Admiral shares, I was curious how this would affect my individual 401k. Previously, you couldn't invest in Admiral shares in Vanguard's individual 401k. So I logged in and tried to transfer funds to the Total Bond Market Admiral shares and got the error...
by JediMisty
Wed Dec 12, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

At this moment I'm not concerned with taxable or not taxable my question was since the document that the $.41 came from was an end of year estimate from vanguard...... if that was just for one month the dividend would be astronomical ,unbelievable https://investornews.vanguard/upcoming-capital-gain...
by JediMisty
Wed Dec 12, 2018 2:03 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

At this moment I'm not concerned with taxable or not taxable my question was since the document that the $.41 came from was an end of year estimate from vanguard...... if that was just for one month the dividend would be astronomical ,unbelievable https://investornews.vanguard/upcoming-capital-gain...
by JediMisty
Wed Dec 12, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: Updated Vanguard Estimated Year-End Distributions (Div & CG)
Replies: 58
Views: 5367

Re: Updated Vanguard Estimated Year-End Distributions (Div & CG)

indexonlyplease wrote:
Tue Dec 11, 2018 9:23 pm
I am looking at my dividends for Total Stock Market for 2018. How do I know if they are ordinary or qualified dividends?
The QDI column tells you the percentage that is qualified.