Search found 388 matches

by ABQ4804
Sat Sep 17, 2016 12:31 am
Forum: Personal Finance (Not Investing)
Topic: HSABank: How to withdraw money and reflect it in taxes?
Replies: 56
Views: 5122

Re: HSABank: How to withdraw money and reflect it in taxes?

Even though you don't have to, I make withdrawals in the exact amount of each expense and in the notes put the insurance claim number. I figure if I ever get audited it will be very clear what each transaction represents (but I also withdrawal as I go). Are you with HSA Bank? We just use the HSA cr...
by ABQ4804
Fri Sep 16, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 4472

Re: No matching on Roth?

I think there is some IRS rule or some regulation against matching a Roth 401k. The federal TSP Thrift Savings Plan also offers an employer match, but when an employee contribution is to the Roth TSP/401k account, the match still goes into the regular pretax TSP/401k account. Hope this helps; I don'...
by ABQ4804
Mon Sep 12, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in FSA account
Replies: 14
Views: 1364

Re: Too much in FSA account

Make sure you check current rules for your FSA before loading up on over the counter purchases for sunscreen, bandages etc. I know the rules have changed on what is acceptable for FSA purchases, different than it was a few years ago. That Fsastore.com website has a reference to 2011 rules, so may be...
by ABQ4804
Mon Sep 12, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Too much in FSA account
Replies: 14
Views: 1364

Re: Too much in FSA account

Have any international travel planned? You could get your shots updated. Some are expensive!
by ABQ4804
Mon Sep 12, 2016 3:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Update: we will be in the "Farm Table" room at Carmella's, as another larger group will be in the fireplace room. Please join us Tuesday evening!
by ABQ4804
Tue Sep 06, 2016 10:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Next meeting is Tuesday, Sept. 13, 6:30pm in SE Portland. NEW LOCATION : Carmella's Wines, 1320 SE Water Avenue, Portland 97214. About 1/2 mile north of OMSI, north of the Hawthorne Bridge, between SE Main and Madison Streets. I stopped by Carmella's as suggested by one of our members, and confirmed...
by ABQ4804
Mon Sep 05, 2016 10:30 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 11303

Re: Hearing aid 101

sbaywriter - very informative post, especially about the iPhone app available for different settings for restaurants and such! Thank you.
by ABQ4804
Mon Sep 05, 2016 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: "Letter of Final Instructions"
Replies: 52
Views: 13886

Re: "Letter of Final Instructions"

Taylor, you are so generous with us and continue to pave the way for so many of us who learn from your experience. Thank you so much for sharing your letter, which in part is deeply personal. We will also keep your letter as a model to follow, a wonderful inclusive list of everything our family may ...
by ABQ4804
Sun Aug 28, 2016 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9810

Re: new chapter of life started - want to save and grow money

I totally agree with ruralvalon: roll over your old 401(k) from residency to the new 401(k) if you can. Invest in his recommended 60% vanguard institutional index, 20% Fidelity Spartan international, and 20% Vanguard bonds. Invest the maximum of $18,000 for this year and future years. Set it and for...
by ABQ4804
Sat Aug 27, 2016 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9810

Re: new chapter of life started - want to save and grow money

I'd go 50-50 with Spartan International at .06 ER and Vanguard Institutional Index Plus at .02 ER, both great funds at lowest cost ERs on the list - you are lucky to have those funds available to you. Both are stock funds, the Spartan is international and the Vanguard Index is domestic US. What do y...
by ABQ4804
Thu Aug 25, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Four years old spilled dark nail Polish on carpet
Replies: 8
Views: 1691

Re: Four years old spilled dark nail Polish on carpet

Move furniture to cover it? :oops: Sorry, not the answer you are looking for, but a fix we've used in the past. Good luck!
by ABQ4804
Mon Aug 22, 2016 3:08 pm
Forum: Forum Issues and Administration
Topic: How do change my user name
Replies: 10
Views: 2532

Re: How do change my user name

Just send a PM Private Message to LadyGeek, one of the moderators
by ABQ4804
Thu Aug 18, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9810

Re: new chapter of life started - want to save and grow money

Bones_Jones, those are kind of hard to read. I think what it is showing is the current daily price of each fund, and the 1, 3, 5, and 10 year % gains. What we really need to know to advise you best, is the Expense Ratio, or ER for each fund. It should be in a percentage, such as .20 to 1.5%. This wi...
by ABQ4804
Thu Aug 18, 2016 2:38 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 115
Views: 16090

Re: Improving the Bogleheads forum

We think the forum is great as it is, and the moderators do an awesome job at closing down non-actionable and medical threads. Also enter through bogleheads.org as we find a range of topic threads interesting. So no suggestions for changes - and this may be why there aren't many posts in this thread...
by ABQ4804
Wed Aug 17, 2016 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: FERS Social Security Supplement
Replies: 12
Views: 2571

Re: FERS Social Security Supplement

FERS also, but not aware of this issue or change in calculations. It does make sense that the OPM calculation would include both the FERS annuity and the SS supplement, as they both comprise your "pension" - sorry! This is such a specialized question that you may have to wait a bit for a Boglehead f...
by ABQ4804
Tue Aug 16, 2016 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9810

Re: new chapter of life started - want to save and grow money

not a joke. 2 cars and furniture killing us, and i honestly thought credit card is there for emergency... Don't feel too bad, many of us got late starts being sensible with finances also. We'd just like to help you not make as drastic a detour, financially. What ever you do, don't give up on Bogleh...
by ABQ4804
Tue Aug 16, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my 5% fee Roth....now what?
Replies: 8
Views: 934

Re: Closed my 5% fee Roth....now what?

Remember you have only 60 days from the date you closed the American funds account, to roll over the Roth IRA funds to a new Roth. If you still have the check, you can endorse it over to Vanguard, make sure you specify it is a rollover into one of the specific target date retirement mutual funds. If...
by ABQ4804
Sun Aug 14, 2016 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice while transitioning from medical resident to fellow
Replies: 7
Views: 985

Re: Investment advice while transitioning from medical resident to fellow

Smart to ask for advice here! I'd recommend you also check out whitecoatinvestor.com, a blog by one of our Boglehead members, Dr. Jim Dahle, addressing financial issues for medical professionals. He also recently published a book of personal finance advice for medical professionals. Good luck!
by ABQ4804
Sat Aug 13, 2016 10:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Vancouver,WA Bogleheads meet up
Replies: 4
Views: 1002

Re: Vancouver,WA Bogleheads meet up

Would love to join you, however, Saturday mornings are pretty booked already. I'll follow this thread in case your meeting schedule changes. Good for you for initiating another group - I always learn a couple of new financial tips during discussions with fellow Bogleheads!
by ABQ4804
Sat Aug 13, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: new chapter of life started - want to save and grow money
Replies: 84
Views: 9810

Re: new chapter of life started - want to save and grow money

Bones_Jones, you've come to the right place - welcome to the Bogleheads. As you are in the medical profession, I'd highly second the recommendation to go to http://whitecoatinvestor.com as well as purchase his recent book: The White Coat Investor: A Doctor's Guide To Personal Finance And Investing. ...
by ABQ4804
Sat Aug 13, 2016 3:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Next meeting is Tuesday, September 13, 6:30 PM. Ling Garden is still closed for remodeling, so we still need an alternate location to meet. Suggestions welcome! I will post a reminder of the meeting and location about 10 days prior.
by ABQ4804
Fri Aug 12, 2016 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: TSP withdrawl
Replies: 4
Views: 648

Re: TSP withdrawl

duplicate
by ABQ4804
Thu Aug 11, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: How to address a college professor with a PhD (Dr. or Prof.)
Replies: 60
Views: 4588

Re: How to address a college professor with a PhD (Dr. or Prof.)

Just completed grad school, and I addressed the professors as Dr. LastName, until they responded with "just call me Margaret." It's a sign of respect for their education and role as teacher, plus some professors are put off by students assuming a first name relationship without asking. Or, if you em...
by ABQ4804
Thu Aug 11, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 5383

Re: Vanguard Life Strategy Funds

At the Bogleheads conferences, we have heard Jack Bogle recommend the Vanguard Balanced Index fund, which is 60/40 all US stocks and bonds, no international. Expense ratio is .08, which is a bargain. This fund does not get much discussion on this forum, but could be another consideration for a good ...
by ABQ4804
Tue Aug 02, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 6668

Re: Where to move

No worries. How about Sandy? Sandy, Oregon, closer to Mt. Hood NF.
by ABQ4804
Tue Aug 02, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Where to move
Replies: 54
Views: 6668

Re: Where to move

We live in Portland OR also, and don't like the traffic much either, so avoid driving during peak hours. We use the excellent TriMet bus transportation, bike or taking LYFT rides (app on your phone for quick rides like Uber) to prime time events. For us, the benefits of living in a vibrant, progress...
by ABQ4804
Sun Jul 31, 2016 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Mini retirement- RV around country
Replies: 21
Views: 2932

Re: Mini retirement- RV around country

Just commenting on the choice to buy or rent an RV: we strongly suggest renting one for a trip. Have had several friends travel in purchased RV's for a year or so, then really lost money and had tough time selling the used RVs. Hope this is helpful in your decision!
by ABQ4804
Tue Jul 26, 2016 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 128
Views: 21150

Re: TSP to Vanguard?

engineer1969 wrote: My back of the envelope plan is to make a sizable rollover into an IRA at retirement and spend the years prior to drawing social security converting that money to Roth. I intend to keep the remaining TSP funds in G. Is anyone else using this strategy? Yes, this is what we are do...
by ABQ4804
Mon Jun 13, 2016 9:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Not too late to plan to join us - see you tomorrow, 6:30pm Lucky Lab Brew Pub on SE Hawthorne.
by ABQ4804
Mon Jun 06, 2016 9:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Receiving some good RSVPs by PM and emails - thanks! Newcomers are welcome, no financial expertise required!
by ABQ4804
Mon Jun 06, 2016 2:13 am
Forum: Investing - Theory, News & General
Topic: Advantages of USA vs USA NRA Bogleheads
Replies: 4
Views: 886

Re: Advantages of USA vs USA NRA Bogleheads

Wildebeest wrote: I was challenged as to what the advantages of the USA were versus National Rifle Association Bogleheads.
I also opened the thread to read the connection with the NRA… thanks for the late night humor! Non-Resident Alien is not an acronym that comes to my mind automatically.
by ABQ4804
Mon Jun 06, 2016 12:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

The next meeting is Tuesday, June 14th - we meet the 2nd Tuesday of the third month of each quarter: March, June, September and December) 2016 6:30 PM. NEW LOCATION : We will meet at LUCKY LAB BREW PUB, 915 SE Hawthorne , Portland 97214. Our traditional meeting location (Ling Garden in NW Portland) ...
by ABQ4804
Fri May 27, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Grandparent paying tuition directly
Replies: 14
Views: 1678

Re: Grandparent paying tuition directly

HueyLD - thanks for posting about the IRS exclusion for education - I didn't know that! The grandparent could also gain a possible state tax benefit by depositing the funds in a 529 for that student, then issuing a check directly to the college. Would involved some research for the specific state in...
by ABQ4804
Wed May 25, 2016 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Mortgage pay-off "match" from parents?
Replies: 25
Views: 2741

Re: Mortgage pay-off "match" from parents?

we'd recommend taking the generous mortgage match. You can never count on an inheritance; long-term care costs for elderly parents can gobble up assets at a ridiculous pace. You're lucky to have such generous parents!
by ABQ4804
Wed May 25, 2016 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: As bad as I think it is? [403(b) plan choices]
Replies: 36
Views: 3879

Re: As bad as I think it is?

Agree with the others that the fees are quite high and the choices are not great. By any chance does your company match a percentage of your salary or contributions? That would ease the pain a bit. If you do choose to invest, I'd select the Blackrock 2040 or 2030 fund. Those appear to be target reti...
by ABQ4804
Wed May 25, 2016 1:26 am
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 262
Views: 43183

Re: Improving the TSP [for current participants]

Thanks for the updates, it certainly helps in making planning decisions for how to withdraw our TSP funds. Often when I close out of the TSP website, it invites me to take a brief survey. In the comment section, I always mention the need for more flexible withdrawal options. As someone mentioned, it...
by ABQ4804
Tue May 24, 2016 4:35 pm
Forum: Personal Consumer Issues
Topic: Car rental deals
Replies: 14
Views: 1511

Re: Car rental deals

If you are a member, we find AARP to give the best rental car prices. Reserve a car once you have your travel plans, then go back to the AARP website the day before your trip, and often the car prices have dropped, and you can make a new reservation cheaper. The Boglehead way...
by ABQ4804
Tue May 24, 2016 12:43 am
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 30
Views: 4444

Re: Staying Logged In

I use DuckDuckGo as my browser on my iPhone and I stay logged in on repeat visits; haven't had to log in with password for months. Lucky me!
by ABQ4804
Mon Apr 11, 2016 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

The next meeting is Tuesday, June 14 (edited June 5, read post below), 2016 6:30 PM. Read the description of our quarterly meetings, about 13 posts above this one. We may be looking for a new meeting venue, since Ling Garden has closed temporarily. Please PM me with suggestions for new meeting locat...
by ABQ4804
Sat Apr 09, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: HSA bank with TdAmeritrade account
Replies: 3
Views: 842

Re: HSA bank with TdAmeritrade account

With our HSA bank account, the process involved setting up the TD Ameritrade investor account through the HSA bank website. Go to manage investments, and there is a choice for Devenir funds or self-directed TD Ameritrade. Once your investment account is set up, with a transfer from your HSA bank fun...
by ABQ4804
Thu Mar 31, 2016 10:10 pm
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 6703

Re: do you do airbnb ??

I have used AirBnB with mostly positive results, about 12 different locations throughout the US, on vacations and visiting family without guest rooms, and also 4 different AirBnB's for the Bogleheads' Conferences, near Philadelphia. I read all the reviews carefully, and focus on hosts with 10+ revie...
by ABQ4804
Sun Feb 28, 2016 2:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Bogleheads from Portland and surrounding areas: Please join our group for our quarterly meeting Tuesday, March 8th at Ling Garden restaurant, 6:30PM, 915 NW 21st, Portland OR 97209, details same as previous meetings, listed above. I will not be able to make the meeting this time, but Tom N. has grac...
by ABQ4804
Fri Feb 05, 2016 3:51 am
Forum: Personal Finance (Not Investing)
Topic: Trustee Question
Replies: 25
Views: 2303

Re: Trustee Question

What about the clause allowing the trustee to have complete access and to all my wife's and my electronic communications, user names, passwords, cell phone records, computer info, FaceBook accounts, LinkedIn accounts, Twitter, etc. Is that normal these days? It seems like quite a breach of privacy,...
by ABQ4804
Sat Jan 30, 2016 2:05 am
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 7450

Re: Who else is holding in cash?

Holding cash never worked for us. We are just buying index funds on the way down, dollar cost averaging every week. A long time ago we thought we were buying at "the bottom," which wasn't even close to bottom, so that was a lesson. Dollar cost averaging the same amount of $ regularly gets us more sh...
by ABQ4804
Sat Jan 30, 2016 1:13 am
Forum: Personal Finance (Not Investing)
Topic: A huge "Thank You!" to Bogleheads.
Replies: 2
Views: 880

Re: A huge "Thank You!" to Bogleheads.

Congrats! You're lucky to gain good financial knowledge at a relatively young age. Stay the course, as Jack says!
by ABQ4804
Sat Jan 30, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: TSP distributions for Oregon retirees
Replies: 1
Views: 427

Re: TSP distributions for Oregon retirees

Thank you - very timely! I'll share this with our local Portland Bogleheads chapter - next meeting is March 8th!
by ABQ4804
Thu Jan 28, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: Asking questions of Vanguard
Replies: 10
Views: 1252

Re: Asking questions of Vanguard

We've had really good experience with Vanguard secure messaging. Recently I asked very specific questions, and got specific detailed answers. The responder was Chelsea something. Yes, it took about two days to get a return email, but it was clear she had done her research, and took me step by step t...
by ABQ4804
Thu Jan 28, 2016 1:11 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 141
Views: 45710

Re: Master Thread for Portland, Oregon

Welcome Lori! Next Portland meeting is Tuesday March 8th, Ling Garden Restaurant, as above.
by ABQ4804
Thu Jan 21, 2016 11:04 pm
Forum: Personal Consumer Issues
Topic: How to get customers for a cleaning service?
Replies: 15
Views: 1963

Re: How to get customers for a cleaning service?

Angie's list.com. That is the only way we find services, and have had very good success with them. Most of our colleagues and friends use Angie's list as well. Only paid members can see and post reviews, and only members who have used the services are allowed to post feedback. It's much better than ...