Search found 388 matches

by ABQ4804
Fri Feb 07, 2014 4:13 pm
Forum: Investing - Theory, News & General
Topic: Nice blurb about the Bogleheads and Taylor
Replies: 7
Views: 1302

Re: Nice blurb about Taylor

Mike's blog today also includes a link to an article on HSAs as a good retirement investment, by someone named Jim Dahle. I always read the HSA articles, so reading this one critically, thought, hey, this guy really knows his stuff - no mistakes! Then down at the bottom I see the photo of the author...
by ABQ4804
Fri Feb 07, 2014 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fed Retirees - convert TSP to your Roth annually?
Replies: 72
Views: 6828

Fed Retirees - convert TSP to your Roth annually?

I'd appreciate feedback from retired or soon-to-be retired federal employees and military, on whether we are able to convert a portion of traditional TSP accounts to an IRA, in multiple years. This is related to the tactical plan of initiating Roth conversions during early retirement years, to reduc...
by ABQ4804
Sat Feb 01, 2014 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio
Replies: 8
Views: 1090

Re: Help with Portfolio

One thing to add is the Vanguard rep can pull many of your funds to Vanguard - just phone them first. What can be daunting is thinking you have to break the news to your broker, then fill out all these forms and run around getting signature guarantees; first call Vanguard and ask how they can help t...
by ABQ4804
Fri Jan 31, 2014 4:48 pm
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 4196

Re: BOGLE BOBBLEHEAD AUCTION

Wow! Great fundraiser for Bogleheads; sorry these bids already exceeded my discretionary budget. Good luck to the last bidders leading up to the exciting 5PM deadline!
by ABQ4804
Wed Jan 29, 2014 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Annual gifting to children
Replies: 30
Views: 4067

Re: Annual gifting to children

It's really nice to be able to be generous like that! Make sure you have funds for your potential long term care expenses set aside, or have LTC insurance. Most of us here probably won't want to settle for what Medicaid has to offer if we get into our 90's - I know I don't. Good luck in your decisio...
by ABQ4804
Wed Jan 29, 2014 9:39 pm
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 4196

Re: BOGLE BOBBLEHEAD AUCTION

Mel, we are children of e-bay! Tune in Friday shortly before 5PM eastern, for fast and furious bidding...
by ABQ4804
Wed Jan 29, 2014 11:44 am
Forum: Investing - Theory, News & General
Topic: WHat to do with current market conditions
Replies: 21
Views: 1871

Re: WHat to do with current market conditions

I just bought more stocks (TSM) this morning - they are on sale, so got more shares at a cheaper price! It was cash we wanted to put into the market soon anyway (maxing out Roths) so this seems like a good opportunity. It took us some years to convert to this approach, buy when the market dips if we...
by ABQ4804
Fri Jan 24, 2014 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 5844

Re: Bogleheads favorite Personal Finance/Investing Blog?

It isn't a blog, but I really like getting the free weekly emails from Mike Piper, his "Investing Blog Roundup." Basically, he does the shopping for us, usually includes links to articles of interest on other blogs or publications, or a brief summary of some current financial topic. Sometimes I lear...
by ABQ4804
Wed Jan 22, 2014 9:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 33419

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Taylor, may I be the 90th Boglehead to wish you a HAPPY BIRTHDAY! (ah, it was a 3-way tie; these posts were going up faster than e-bay bidding!) I read most of your posts, no matter what the topic, as I'm curious what your wisdom will be. And when I feel tempted to tack off-course or chase performan...
by ABQ4804
Tue Jan 21, 2014 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank to ElfCU for free?
Replies: 17
Views: 3371

Re: HSA Bank to ElfCU for free?

There was another thread on this forum (I don't have the link; maybe someone else will remember) where someone shared they phoned HSABank and learned they could pay the monthly fees (for low balances) directly, out of pocket, rather than it coming out of their HSABank balance. Yes, the work-arounds ...
by ABQ4804
Mon Jan 20, 2014 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Bank to ElfCU for free?
Replies: 17
Views: 3371

Re: HSA Bank to ElfCU for free?

transfer it to ElfCU since they have no fees on savings/investing accounts with TDA. We also have HSA Bank. There are no fees at the linked TDA account either, if you buy the "fee free" ETFs. After you set up your TDA account, look over in the left hand column for free ETF info. There is a good sel...
by ABQ4804
Mon Jan 20, 2014 9:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45791

Re: Portland, Oregon Meeting?

of course we will welcome the dude...
by ABQ4804
Mon Jan 20, 2014 9:46 pm
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 4196

Re: BOGLE BOBBLEHEAD AUCTION

Site unseen
It's featured on the cover of "Bogleheads Guide to Investing"

raised to $110!
by ABQ4804
Mon Jan 20, 2014 9:39 pm
Forum: Investing - Theory, News & General
Topic: BOGLE BOBBLEHEAD AUCTION
Replies: 37
Views: 4196

Re: BOGLE BOBBLEHEAD AUCTION

raised to $50!
by ABQ4804
Mon Jan 20, 2014 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which to use first: Coverdell Education IRA or 529
Replies: 11
Views: 1269

Re: Which to use first: Coverdell Education IRA or 529

I'd consider spending 529 money first because expenses are usually higher I'm not totally familiar with Coverdell rules, but it may help your decision to compare the flexibility with the 529s, to determine which to spend first (as well as compare the costs as EmergDoc pointed out). We really like t...
by ABQ4804
Mon Jan 20, 2014 7:14 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45791

Re: Portland, Oregon Meeting?

Hi Paul. Yes, we are still meeting quarterly; next meeting is Tuesday March 11 6:30PM, Ling Garden restaurant, same as before. Bring one question for the group and we go around the table and try to give helpful feedback (or just rely on the fortune cookies). One change is we're rotating leadership; ...
by ABQ4804
Fri Jan 17, 2014 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Experience with personal lending
Replies: 52
Views: 3952

Re: Poll: Experience with personal lending

This poll reminds me of a loan I've all but forgotten - while working overseas, I lent one of our volunteers $300 to pay for a ticket for her bothersome boyfriend to return to the US, so she could concentrate on her work. It would be a pleasant surprise if I ever get repaid! With family, I've learne...
by ABQ4804
Fri Jan 17, 2014 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Did you have a Lousy Job as a teen / young adult?
Replies: 127
Views: 8596

Re: Did you have a Lousy Job as a teen / young adult?

Sliming fish in Alaska cannery. Earned the "big bucks," or so I thought at the time... Crappy dorms but spectacular scenery we were too tired to explore.
by ABQ4804
Fri Jan 17, 2014 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 12787

Re: Biggest regrets in your life in financial investment?

I laugh as I read many familiar stories! I'll add three: 1) buying shares of Lyric Energy LLC, maybe in the late 80's? Didn't understand it then, and still don't. Believe they went belly up. Someone tell me if they're still around and rebounded, as we never cashed out... 2) Not buying raw land just ...
by ABQ4804
Thu Jan 02, 2014 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: SS benefit based on 10 years or 35?
Replies: 8
Views: 1267

Re: SS benefit based on 10 years or 35?

Too bad the radio station didn't choose author Mike Piper to speak and feature his easy-to-read book, "Social Security Made Simple," 100 pages addressing many Social Security benefit topics. That's one of the greatest things about Boglehead authors, I think, is their willingness to listen and share ...
by ABQ4804
Wed Jan 01, 2014 1:09 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 537
Views: 31215

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

2106.72 is my guess

Thanks, Taylor!
by ABQ4804
Thu Dec 19, 2013 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move to California from Midwest?
Replies: 153
Views: 12595

Re: Should I move to California from Midwest?

Have you and your wife ever been to California? Have you relocated before? It takes a sense of adventure and helps if you have an expectation that you WILL like it, and take advantage of what the new location has to offer, rather than missing what you left behind. If there's any way you can comb the...
by ABQ4804
Thu Dec 12, 2013 4:28 pm
Forum: Investing - Theory, News & General
Topic: TSP Survey on Self-Directed Mutual Fund Window
Replies: 35
Views: 4965

Re: TSP Survey on Self-Directed Mutual Fund Window

It looks like they took it down. Wonder if too many Bogleheads gave the idea a thumbs down... Did the survey yesterday. I agree that the TSP as is, is the safest offering for most participants, limiting them to low cost index funds and Target Retirement combos. In the survey, I took the opportunity...
by ABQ4804
Thu Dec 05, 2013 5:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45791

Re: Portland, Oregon Meeting?

Ron/baldeagle confirmed with an email that we will meet next Tuesday, Dec. 10th 6:30PM Ling Garden, 915 NW 21st, Portland, our usual location. So join us if you can, and send Ron/baldeagle a message to confirm, or just show up. We usually have 2 tables pulled together and can always add a third. And...
by ABQ4804
Tue Dec 03, 2013 1:41 am
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 3823

Re: Confused about TSA "Pre" status

Inquiring minds want to know if I will be TSA "pre" on the way back Probably yes. Our sample size is very small, just 2 round trips, one United/personal travel and one Southwest/business travel, and came up as TSA precheck on all 4 flights. Good luck, but that doesn't help out your spouse in the sl...
by ABQ4804
Tue Dec 03, 2013 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account Versus Flexible Spending Account
Replies: 10
Views: 1295

Re: Health Savings Account Versus Flexible Spending Account

why not just add the money to your HSA and pay those expenses from there? Many Bogleheads want to max out the HSA and save it for retirement medical expenses. So we pay the medical bills out of pocket, and set up a LEXFSA if we anticipate out-of-pocket dental or vision bills. So yes, you COULD pay ...
by ABQ4804
Tue Dec 03, 2013 1:15 am
Forum: Personal Finance (Not Investing)
Topic: more federal retiree Medicare - skilled nursing coverage
Replies: 9
Views: 1670

Re: more federal retiree Medicare - skilled nursing coverage

Just FYI, nursing home isn't always long term care. It's where the hospital discharges you when you aren't well enough to go home but not sick enough for the hospital. Thanks - good to know. There are so many details of senior health care to attend to - the sharing on this forum will certainly help...
by ABQ4804
Mon Dec 02, 2013 2:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45791

Re: Portland, Oregon Meeting?

Hello all - I assume we're meeting next Tuesday Dec. 10th at Ling Garden, same time, same place. I was out of town the week of the September meeting. There were several from our Portland Diehard group who attended Bogleheads Reunion 12 near Philadelphia in October, so maybe some feedback from those ...
by ABQ4804
Mon Dec 02, 2013 12:20 am
Forum: Forum Issues and Administration
Topic: Thank you moderators, site administrators
Replies: 35
Views: 3962

Re: Thank you moderators, site administrators

+1 THANKS!!! This is a good reminder to me to make a donation to support the Boglehead forum costs, of software and such - it's easy (see "Support this Site" on left sidebar). As I remember, our last donation blitz followed Hurricane Sandy and the subsequent power outages - let's not wait for anothe...
by ABQ4804
Sun Dec 01, 2013 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: YNAB (You Need A Budget) software is on sale.
Replies: 10
Views: 2043

Re: YNAB (You Need A Budget) software is on sale.

also available at same $29.99 sale price at the Apple app store, for users of Mac and iPhone. Then you don't need the steam software. Thanks for the heads up on this!
by ABQ4804
Sun Dec 01, 2013 10:32 pm
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 3823

Re: Confused about TSA "Pre" status

P.S. Have I mentioned google lately? Thanks, sscritic! I was referring to the full (24 oz!) water bottle I forgot to empty; it did go thru the X-ray conveyor belt, in my purse; I just forgot to dump it out before security. TSA either did not notice it or let it pass. We were a little befuddled gett...
by ABQ4804
Sun Dec 01, 2013 10:00 pm
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 3823

Re: Confused about TSA "Pre" status

how they match the Federal employment status with the personal ticket sales Yeah, a little creepy if the airlines are tracking that, but why are we surprised? And the full water bottle was an oversight; just forgot to dump it out. So I'm not sure if that requirement of no liquids is relaxed, as wel...
by ABQ4804
Sun Dec 01, 2013 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: more federal retiree Medicare - skilled nursing coverage
Replies: 9
Views: 1670

Re: more federal retiree Medicare - skilled nursing coverage

Mail Handlers Health Insurance and the other health insurances offered to federal employees and retirees are only health insurance; maybe the skilled nursing involved would have to be paid separately, out of pocket, or with a separate long term care insurance policy. It's the same with Medicare; doe...
by ABQ4804
Sun Dec 01, 2013 9:41 pm
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 3823

Re: Confused about TSA "Pre" status

Rumor at our office is we are getting "TSA pre" somehow because we are government employees. We don't travel often; didn't apply for anything and were on personal travel, not work. While in the "TSA pre" line the first time, I discreetly asked the person ahead of me "How did we get in this line?" an...
by ABQ4804
Sun Dec 01, 2013 8:44 pm
Forum: Personal Consumer Issues
Topic: .....
Replies: 44
Views: 3574

Re: Where do you draw the line on travelling, aging parents?

I'll try to feel them out on other issues later on like travel insurance. Recommend you read the fine print on travel insurance, before purchase. It may not cover "changed your mind," or "missed the flight," etc. When our travel plans changed one time, we finally read that the insurance covered mor...
by ABQ4804
Sun Nov 10, 2013 7:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Any LDS Bogleheads out there? [Latter Day Saints]
Replies: 21
Views: 3391

Re: Any LDS Bogleheads out there? [Latter Day Saints]

This thread isn't a poke at LDS members, it's a discussion of how you compute a tithe. You don't have to be LDS to believe in or practice tithing, so it's a relevant discussion for many. EmergDoc gave some good discussion points in the related thread, link posted previously by stan1.
by ABQ4804
Sat Nov 09, 2013 1:43 am
Forum: Personal Consumer Issues
Topic: Hotel/Lodging Deals
Replies: 32
Views: 3684

Re: Hotel/Lodging Deals

Tried airbnb.com for trip to Bogleheads Reunion and Gettysburg side trip, and both were great accommodations and very reasonable rates. One was a room in an architect's home in the country, and the other an entire historic house, each for under $60/night. You can meet interesting people (the hosts) ...
by ABQ4804
Sat Nov 02, 2013 10:45 am
Forum: Investing - Theory, News & General
Topic: TSP Roth "conversion" may be a good idea
Replies: 12
Views: 1521

Re: TSP Roth "conversion" may be a good idea

Us Uniformed Service Members on the other hand could theoretically have an only Roth TSP
Correct. Welcome to the forum, heythererich!
by ABQ4804
Sat Nov 02, 2013 10:41 am
Forum: Investing - Theory, News & General
Topic: TSP Roth "conversion" may be a good idea
Replies: 12
Views: 1521

Re: TSP Roth "conversion" may be a good idea

Do they even do that for RMDs? It seems so. So either monthly withdrawals in retirement or RMDs would dribble away your Roth TSP as well. There are limited options (3) for taking out your TSP after retirement. rkhusky pointed out you could take a one-time withdrawal/rollover to an outside-TSP IRA a...
by ABQ4804
Fri Nov 01, 2013 10:42 pm
Forum: Investing - Theory, News & General
Topic: TSP Roth "conversion" may be a good idea
Replies: 12
Views: 1521

Re: TSP Roth "conversion" may be a good idea

The current TSP withdrawal rules really don't accommodate participants with both regular and Roth TSPs. They require withdrawals from BOTH accounts at the same rate; that is, you can't specify you want to withdraw from just your regular TSP when you retire, and leave the Roth TSP balance building. A...
by ABQ4804
Tue Oct 29, 2013 6:34 pm
Forum: Investing - Theory, News & General
Topic: Managers of The Three Fund Portfolio.
Replies: 13
Views: 3285

Re: Managers of The Three Fund Portfolio.

Great photo, Taylor (3rd from left) - thanks for sharing! At the Bogleheads 12 Reunion, during our reception at the Vanguard campus, these guys circulated among our group and welcomed conversation with any of us. They introduced themselves and were very interested in our perspectives. This was a won...
by ABQ4804
Sun Oct 20, 2013 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Unhappiness...it seems easy but...
Replies: 64
Views: 7298

Re: Advisor Unhappiness...it seems easy but...

Streetsnake, welcome to the forum! You've received a lot of good advise here on simple portfolios, low cost index funds and establishing your asset allocation; mine would be similar. Many of us wrestled with the same questions and research you mention, before we found this forum and low cost index f...
by ABQ4804
Sun Oct 20, 2013 10:17 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 25165

Re: BOGLEHEADS 12 ANNOUNCEMENT

Lauren, please give them a few weeks to get it all posted on the Wiki. I didn't help record BH12, but I know they are scurrying around, editing, transcribing and obtaining as many of the articles and PowerPoints as can be available, for all of us. Plus I bet the photographers and notetakers have day...
by ABQ4804
Sun Oct 20, 2013 5:50 pm
Forum: Investing - Theory, News & General
Topic: Share with us: What was the best thing you learned at BH12
Replies: 35
Views: 4011

Re: Share with us: What was the best thing you learned at B

Taylor Larimore said: I want to thank each and every one of you who greeted me with your kind words. Having the opportunity to meet Taylor in person, and listening to his thoughtful dialog in some of the small groups, was one of the highlights of BH12 for me. Taylor, you were lookin' good; I think y...
by ABQ4804
Wed Aug 28, 2013 8:43 pm
Forum: Personal Consumer Issues
Topic: Carpenter Ants Anyone?
Replies: 39
Views: 7672

Re: Carpenter Ants Anyone?

Brings back memories of hearing carpenter ants munching on our rafters at night, when we owned a cabin in the woods. They can do serious structural damage, so I suggest quickly consulting with a professional exterminator, and perhaps a home inspector also. Good luck!
by ABQ4804
Wed Aug 28, 2013 8:18 pm
Forum: Investing - Theory, News & General
Topic: YOUR QUESTIONS FOR THE EXPERTS PANEL
Replies: 63
Views: 10433

Re: YOUR QUESTIONS FOR THE EXPERTS PANEL

Two questions: 1. Recently there was a forum thread titled "a different way of looking at investing for retirement" commenting on Joseph Lipsitz' article: http://www.myfederalretirement.com/public/1181.cfm Lipsitz suggests individuals consider pension and annuity income as their conservative/fixed i...
by ABQ4804
Wed Aug 28, 2013 1:11 am
Forum: Investing - Help with Personal Investments
Topic: My First Post [Portfolio help]
Replies: 7
Views: 841

Re: My First Post [Portfolio help]

Welcome to the forum! You probably won't get alot of critiques, because I agree with zebrafish and Peter Foley - you're doing great! Money invested early has so much longer to reinvest and compound. Many of us wish we stumbled across Bogleheads at your age. Best wishes.
by ABQ4804
Tue Aug 27, 2013 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Why I Left T Rowe Price for Vanguard
Replies: 14
Views: 3046

Re: Why I Left T Rowe Price for Vanguard

Vanguard doesn't charge any fees (even to those of us without special client status) if you check the box to receive statements electronically rather than in the US mail. You can still get an annual paper statement, I believe. Hope this helps!
by ABQ4804
Sun Aug 25, 2013 5:30 pm
Forum: Personal Consumer Issues
Topic: Hedonic treadmill in retirement
Replies: 107
Views: 11540

Re: Hedonic treadmill in retirement

I am planning to walk el Camino of Santiago de Compostela in spring Victoria, I'm really looking forward to hearing about your experience on this walk. I hope you have checked the weather and learned that spring is not too early (weather?), but suspect you have done your research! One item on my bu...
by ABQ4804
Sun Aug 25, 2013 4:25 pm
Forum: Personal Consumer Issues
Topic: Hedonic treadmill in retirement
Replies: 107
Views: 11540

Re: Hedonic treadmill in retirement

Victoria, I met you at Bogleheads 11 last year, and have followed your thoughtful posts and retirement questions; I have some of the same concerns about "what next?" I have the financial aspects of retirement figured out, many thanks to this forum. And for the past couple of years I've read a variet...