Search found 173 matches

by communipaw
Thu Jun 18, 2009 8:26 pm
Forum: Personal Consumer Issues
Topic: your book buying guidelines?
Replies: 27
Views: 3424

For 5 decades I saved up for books and spent a great deal on them ;
but I got tired of having too many physical things around my house; for the last 10 years I buy no book that I can get from the library.
by communipaw
Wed Jun 03, 2009 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as holder of non Vanguard funds
Replies: 8
Views: 1885

My intention was similar to what "Dale" did: not to sell a non vanguard fund and buy a parallel vanguard fund, but to keep the 2 non-Vanguard funds and have VBS do the paper work for them. I thought this was free [I'm in the Voyager category] but noticed that others have mentioned fees and...
by communipaw
Tue Jun 02, 2009 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as holder of non Vanguard funds
Replies: 8
Views: 1885

Vanguard as holder of non Vanguard funds

Most of what I own is with Vanguard but I have 2 non Vanguard funds [Amer Funds and TIAA groups] which I'm sonsidering moving to Vanguard's Brokerage Service for the convenience of having everything together, especially for covenience at tax statement time. Can anyone suggest any reasons NOT to do t...
by communipaw
Sun May 17, 2009 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Experian Credit Score
Replies: 10
Views: 2459

Experian Credit Score

At https://www.annualcreditreport.com/ I filed on line for a free experian credit report and also paid for my credit score.

The credit score came back as "Super Prime", the highest of their 5 ratings --- but there was no number.

Aren't credit scores supposed to have numbers like 600, 700, 800?
by communipaw
Fri Apr 17, 2009 9:43 pm
Forum: Personal Consumer Issues
Topic: New Cell Phone Service
Replies: 51
Views: 10797

Virgin Mobile

I've used Virgin Mobile pay as you go or several years and have been content with it.
by communipaw
Sun Mar 29, 2009 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend Growth in today's paper
Replies: 1
Views: 1456

Vanguard Dividend Growth in today's paper

m An article today stated: A fine way to invest in dividend-growth stocks is through Vanguard Dividend Growth (symbol VDIGX), which holds a portfolio of 49 such stocks. Managed by Don Kilbride, of Wellington Management, Dividend Growth gained 0.77 percent annualized during the five years through Mar...
by communipaw
Sun Mar 08, 2009 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Investment Grade Fund
Replies: 5
Views: 1490

Short Term Investment Grade Fund

I've just entered retirement and have a reliable inflation adjusted pension I can live within. For about 10 years I've kept about 10% of what I own in Vanguard's Short Term Investment Grade Fund [it used to be called Short Term Corporate] and have been very content with it. I regard it as money I mi...
by communipaw
Sun Feb 22, 2009 10:01 pm
Forum: Investing - Theory, News & General
Topic: The Index Funds Win Again [NYTimes]
Replies: 5
Views: 1677

The Index Funds Win Again [NYTimes]

The Index Funds Win Again By MARK HULBERT

A new study provides evidence to invest in simple, plain-vanilla index funds, whose low fees often lead to better net returns.

http://www.nytimes.com/2009/02/22/your- ... your-money
by communipaw
Tue Feb 17, 2009 9:56 pm
Forum: Personal Consumer Issues
Topic: What are you listening to?
Replies: 64
Views: 12011

Just finished the OBC of The Boy Friend [1956???] and am starting on Vic Damone, The Liveliest.
by communipaw
Sun Feb 08, 2009 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley / Wellington so far this year
Replies: 2
Views: 1468

Wellesley / Wellington so far this year

I noticed that year to date more stock oriented Wellington has declined 2.3% but more bond oriented Wellesley is down 3.3%.

Aren't bonds supposed to cushion you more?
by communipaw
Thu Dec 18, 2008 12:33 pm
Forum: Investing - Theory, News & General
Topic: Has the "Crash of 2008" affected your...
Replies: 30
Views: 5867

4 nos one yes

1. diet/exercise? No
2. social life/celebrating? No
3. spending habits? No
4. self-image/self-worth? No
5. fear/feelings of safety/security? Yes,
6. Other YES; I used to check my balances once a week; I've checked them only once since October [a week ago]
by communipaw
Tue Dec 09, 2008 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rollover OPM's VC Plan to Vanguard
Replies: 2
Views: 1003

Rollover OPM's VC Plan to Vanguard

I've been getting conflicting information from the IRS [three different opinions] and hope someone on the board may have had personal experience in this kind of rollover to Vanguard. Federal employees under the CSRS system have a little-used [and little known] extra savings plan called the Voluntary...
by communipaw
Mon Dec 01, 2008 3:38 pm
Forum: Personal Consumer Issues
Topic: Zip and unzip files with what?
Replies: 15
Views: 3245

I've been very happy with 7zip [which works also on other compressed files like .rar
by communipaw
Fri Nov 28, 2008 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Using more than 1 credit card
Replies: 24
Views: 5210

I hadn't thought of the suggestion of using my emergency credit card for recurring items that are billed monthly [for me, for example, telephone bill]. Since I have only a limited number of this type of expense, I may give that a try.
by communipaw
Sun Nov 23, 2008 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Using more than 1 credit card
Replies: 24
Views: 5210

Using more than 1 credit card

I have two credit cards one from MC the other from VISA. I use one of them for everything possible and pay in full each month; the other I carry in my wallet on the off chance I encounter a merchant who doesn't accept my usual one; I haven't used the backup in over a year and it is properly accounte...
by communipaw
Sun Nov 09, 2008 2:07 pm
Forum: Investing - Theory, News & General
Topic: Quinn's comments on "cash" for 5 years expenses
Replies: 12
Views: 3382

Quinn's comments on "cash" for 5 years expenses

In general, the planners who answered my questions said retirees should have enough money on hand to pay their bills for the next five years. Helen Modly of Focus Wealth Management in Middleburg advises cash accounts for two years' worth of expenses plus enough bonds coming due in each of the next t...
by communipaw
Sat Oct 18, 2008 8:16 pm
Forum: Investing - Theory, News & General
Topic: Discount on Dan Weiner Newsletter
Replies: 1
Views: 1093

Discount on Dan Weiner Newsletter

I've heard there are websites to get the newsletter at a discount.
Does anyone know the URL?
by communipaw
Mon Sep 29, 2008 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: IRA history
Replies: 1
Views: 783

IRA history

I've been trying unsuccessfully to find a list of maximum IRA [non-deductible] contributions per year since the IRA started for employed people who did have a regular pension plan. I believe that began in the early 80s stopped for a year or two and then resumed. $2000 maximum deduction per person pe...
by communipaw
Tue Sep 23, 2008 7:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 289819

Dry Manhattan - a history of Prohibition.
by communipaw
Thu Aug 28, 2008 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

After 2007, you can roll over distributions directly from a qualified retirement plan to a Roth IRA if, for the tax year of the distribution, both of the following requirements are met. Thank you for the citation. I'm already under the income limitation; and since I am retiring on Jan 3 2009 my inc...
by communipaw
Thu Aug 28, 2008 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

Clarification

I said that sounded like I was paying tax twice on the same money [the rolled over traditional IRA].


I would be converting ONLY the newly rolled over traditional IRA, not both of them.
[/quote]
by communipaw
Thu Aug 28, 2008 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

GOOD news. You can rollover the after-tax contribution portion to a Roth IRA as the rollover rules were changed effective 1/1/2008. Here is a section quoted from the Pub 590 Maybe not so good news. I had another long telephone conversation with the IRS lasting about an hour. The IRS person said tha...
by communipaw
Mon Aug 25, 2008 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

...what type of odd ball rules?...

I'll try again. Federal CSRS employees are allowed to contribute extra money, tax paid already, to the Voluntary Contribution plan. Any interest accrued is tax deferred until you retire. The plan was designed for people to purchase an extra annuity. About 2 years ago the rules were changed. The inte...
by communipaw
Mon Aug 25, 2008 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

I followed the comment on contacting the lawyer who had made out my will; I explained the specific question Federal employee [see below] and was surprised that he and his accounting partner were not familiar with the topic, since they're located in Washington. He's to get back to me. I tried writing...
by communipaw
Tue Aug 05, 2008 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Finding a CPA / tax advisor ---or something else?
Replies: 24
Views: 4920

Finding a CPA / tax advisor ---or something else?

The standard comment on finding a CPA/ tax advisor/ financial advisor, is to ask your relatives and friends for recommendations. None of my friends and relatives in my local area, however, use such persons. I've generally successfully handled my finances and taxes myself up to now. I'm a federal emp...
by communipaw
Mon Jul 21, 2008 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay your house off before you retire
Replies: 181
Views: 32686

I'm about to retire next year and I paid off my mortgage about 2 years ago. In retrospect I think that was not a good idea. I had the choice of making extra payments on the mortgage or putting the extra money into a short term bond fund where it would probably have just about kept pace with inflatio...
by communipaw
Wed Jul 16, 2008 2:45 pm
Forum: Investing - Theory, News & General
Topic: Brokered CDs
Replies: 19
Views: 4917

an email from Vanguard

We appreciate the time you have taken to share your thoughts regarding e-mails to our clients about the IndyMac bank closure. Let me begin by assuring you that I will forward your comments to our Online ........ Hopefully, these sort of bank closures will be infrequent, but if the situation arises a...
by communipaw
Mon Jul 14, 2008 8:17 am
Forum: Investing - Theory, News & General
Topic: Brokered CDs
Replies: 19
Views: 4917

After an hour on hold this morning, the Vanguard brokerage agent stated that my IndyMac CD sold thru Vanguard - which was due to mature on July 19 - would collect no interest after July 11; also that it would be mid August at the earliest before the matter would be resolved and I would have access t...
by communipaw
Tue Jun 17, 2008 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Over 55 Retirement Community or Screaming Babies?
Replies: 63
Views: 14402

Sorry, ..... It is just that the non-stop screaming made me wonder (along with a newspaper article on the Florida community) what people who live in adult communities feel about it. I don't golf, so that eliminates a big plus (I do like looking at green grass, but as a full time activity, watching ...
by communipaw
Mon Jun 16, 2008 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Significant fed tax savings in MM acct?
Replies: 3
Views: 1079

Significant fed tax savings in MM acct?

Vanguard's Treasury MM acount has a lower dividend rate than the Prime MM account but - I believe - the dividends from the Treasury MM are completley free of federal income tax while all the dividends of the Prime MM are subject to federal income tax. Is there a way of calculating what the post tax ...
by communipaw
Wed Jun 11, 2008 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Leave lump sum = earned income for IRA purposes?
Replies: 2
Views: 1055

Special thanks for your link to the IRS document
by communipaw
Wed Jun 11, 2008 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Leave lump sum = earned income for IRA purposes?
Replies: 2
Views: 1055

Federal Leave lump sum = earned income for IRA purposes?

I am a federal employee and intend to retire January 3, 2009. From what I've been told, my annual leave lump sum payment will paid to me in 2009 and will be taxed in that tax year. I plan on earning no outside income in 2009 from employment after I retire. Does the lump sum payment count as earned i...
by communipaw
Wed Jun 04, 2008 5:53 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 289819

A Conservative history of the American Left by Daniel Flynn and Helluva Town: New York City in the 1940s and 50s by Vivian Cherry [ a photography / picture book] so not exactly "reading" it].
by communipaw
Wed May 14, 2008 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Inflation Calculators
Replies: 1
Views: 975

Inflation Calculators

I regularly use the Federal reserve Bank Inflation Calculator, m to see what something really cost me in 1970 or 1980, mostly for amusement/curiosity. But now I'm getting more concerned with coming inlfation as a threat. Does anyone know of a calculator to find out what inflated dollars will be in t...
by communipaw
Mon May 12, 2008 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: What *music* are you currently listening?
Replies: 153
Views: 31780

a Russian language version of Kalman's operetta, Die Zirkusprinzessin
by communipaw
Fri May 09, 2008 7:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

Re: Voluntary Contributions

I too am retiring from CSRS this year and plan on rolling over my Voluntary Contributions VC earnings portion to my TSP and my contributions to a Vanguard IRA. If my MAGI is 100,000 or lower I can rollover directly to a Roth IRA or if higher I must do the rollover in 2010 when the limit doesn’t app...
by communipaw
Thu May 08, 2008 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring DRIP account to VBS
Replies: 5
Views: 1857

Transferring DRIP account to VBS

I have 2 or 3 DRIP/monthly investment plans which I began by purchasing one or two shares of stock from Vanguard to make me eligible for the plans. As a result on my Vanguard web page, Accounts & Activity, there is one [minor] listing for the stock in Vanguard brokerage accounts and then the maj...
by communipaw
Mon May 05, 2008 7:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

OPM VC Roth/Trad IRA

Your comment made me realize: My retirement is scheduled for Jan 3 2009. So if OPM completes the rollovers to the TSP and the IRA on my retirement day or later it'll be in 2009 when my income will drop dramatically. So I should be eligble to put the VC contributions into a ROTH IRA as a roll over. R...
by communipaw
Sun May 04, 2008 2:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

OPM VC Roth/Trad IRA

Thanks for the tip; I'll look into the possibility of a direct-to-Roth-conversion of the OPM Voluntary Contribution's contribution portion; but since filing my 2007 tax return a problem has arisen on conversion. In 2007 my income went up enough to make me ineligible for the full ROTH contribution an...
by communipaw
Wed Apr 30, 2008 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: An embarassingly easy question on logic and arithmetic
Replies: 8
Views: 2499

I realize it's good to account for net/spendable money from pension and savings. But basically I'm trying to see if my calculations are correct and if I will be able to cover my normal living expenses from my pension alone. I know what the gross annual pension will be; I believe I know what the net ...
by communipaw
Wed Apr 30, 2008 7:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

Vanguard IRA rollover for OPM's voluntary contribution plan

Traditional vs Roth IRA for OPM's VC rollover: I was told that it isn't possible to roll the voluntary contribution plan into a ROTH IRA; I was told it must be rolled over into a traditional IRA.
by communipaw
Wed Apr 30, 2008 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: An embarassingly easy question on logic and arithmetic
Replies: 8
Views: 2499

An embarassingly easy question on logic and arithmetic

An easy question on logic and arithmetic but - I'm embarrassed to say - I'm having a problem with it. I'm approaching retirement and am adding up all my expenses of the last year to see what I've paid out . From Quicken I have my list of expenses for 2007 . All the categories [condominium fee, groce...
by communipaw
Tue Apr 29, 2008 5:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

I was planning on rolling the contribution [already taxed] portion of the VC into a traditional IRA
by communipaw
Mon Apr 28, 2008 1:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IRA rollover for OPM's voluntary contribution plan
Replies: 11
Views: 4670

Vanguard IRA rollover for OPM's voluntary contribution plan

Federal employees who are under the older [CSRS] retirement system have the opportunity to use the Voluntary Contribution account [after tax contributions, deferred taxes on interest accrued] which is a not-too-well-known program. Usually this was turned into a supplemental annuity upon retirement. ...
by communipaw
Mon Apr 21, 2008 1:44 pm
Forum: Investing - Theory, News & General
Topic: I Bonds, buy from bank or treasury direct?
Replies: 1
Views: 1122

I Bonds, buy from bank or treasury direct?

Based on some posts I've read her, I'm thinking of buying $5000 of I bonds before the end of April. What are the advantages of buying the bonds from a bank instead of through Treasury Direct? Thank you
by communipaw
Mon Apr 14, 2008 6:06 am
Forum: Investing - Theory, News & General
Topic: Municipal Bond Funds - has the train left the station
Replies: 5
Views: 1870

Municipal Bond Funds - has the train left the station

1. After doing my taxes I learned I have junped to the 28% bracket. 2. Looking at the low rates in money market and short term bond funds and expecting the rates to fall even further, municipal bonds sound good [I'd be buying a Vanguard mutual bond fund not a bond]. Often financial advice from magaz...
by communipaw
Sat Apr 12, 2008 7:57 pm
Forum: Investing - Theory, News & General
Topic: Four Different Dividend Funds
Replies: 20
Views: 4901

I don't know why but the withrrawal part seems much more complicated then the accumulation part.


I'm retiring in about a year and you have taken the words right out of my mouth. Saving up was simple; getting the money out seems hard.
by communipaw
Mon Apr 07, 2008 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: What Book Are YOU Currently Reading?
Replies: 566
Views: 229591

What book ....

Heroes by Paul Johnson ISBN 978-0-06-114316-8

A survey of heroes ranging from Samson to Washington to Emily Dickinson [!] to De Gaulle to Thatcher. short but fact and opinion filled vignettes; very clear style by a well read scholar.
by communipaw
Wed Apr 02, 2008 7:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard vs TSP
Replies: 1
Views: 1249

Vanguard vs TSP

The federal Thrift Savings Plan has a payout feature, monthly payments based upon your life expectancy, that seems to offer advantages of an annuity without having to completely give up the principal. Each year your monthly pay out is recalculated based on you being a year older and your principal h...
by communipaw
Mon Mar 31, 2008 6:20 am
Forum: Investing - Help with Personal Investments
Topic: Short and Intermediate Treasury Funds
Replies: 4
Views: 1467

Short and Intermediate Treasury Funds

True about the yields but hasn't the total return on the Short and Intermediate Treasury funds been rising , driven up by the people running into them, and so you get a better overall return than on a CD or a MM ---- at least for awhile?