Search found 711 matches

by BogleFanGal
Fri Apr 09, 2021 12:45 pm
Forum: Personal Consumer Issues
Topic: Pre buy Disney World tickets as inflation hedge
Replies: 43
Views: 7257

Re: Pre buy Disney World tickets as inflation hedge

Yeah I'd agree everything seems so overcrowded nowadays. Goes to my basic theory on there being too many people and not enough _________________ or ______________ in the world to meet all the needs without creating other problems with the world. The classic line I always tell my wife when were some...
by BogleFanGal
Fri Apr 09, 2021 12:42 pm
Forum: Personal Consumer Issues
Topic: Definition of one more year (OMY).
Replies: 41
Views: 3762

Re: Definition of one more year (OMY).

My OMY definition: you have enough, but you haven't yet had enough (of the BS, the grind, whatever) to confidently make the break you kinda, sorta, pretty much still want to make. :beer
by BogleFanGal
Tue Apr 06, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: Pre buy Disney World tickets as inflation hedge
Replies: 43
Views: 7257

Re: Pre buy Disney World tickets as inflation hedge

We have watched as the prices have gone up at a pretty quick rate. We use to go in the late 90’s through part of the 2000s. Taking the kids was quite a joy. We would usually buy an extra day, but didn’t use it. Once the youngest was off to college my wife and I went and didn’t have to pay for passe...
by BogleFanGal
Fri Apr 02, 2021 7:42 am
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8565

Re: AAA - American Auto Assn - Service has gone way down

AAA really varies so much by region based on these posts. I was a member for decades, cancelled, then rejoined because I like the idea of AAA - but their execution in my experience has been miserable. I had 2 service calls the past 2 years. I waited close to 2 hours each time for service while stran...
by BogleFanGal
Mon Mar 29, 2021 6:49 pm
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5814

Re: TV size question

If you stick to at least a mid-range model from either Samsung, Sony, or LG you should be very happy for years to come. Don't waste your money buying something subpar from TCL or Vizio or any other off-brand manufacturer. These TV's are cheap for a reason...I stupidly purchased a Vizio because it w...
by BogleFanGal
Sat Mar 27, 2021 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Can I stop working?
Replies: 120
Views: 12278

Re: Can I stop working?

Reorganization at work isn’t going as I would have liked. I’m going to cast around for another opportunity, but am seriously thinking about moving on to life’s next chapter. I have a bunch of ideas about how I can spend my time if commuting and meetings are no longer a thing. During Covid I’ve been...
by BogleFanGal
Sat Mar 27, 2021 12:57 pm
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5814

Re: TV size question

If you stick to at least a mid-range model from either Samsung, Sony, or LG you should be very happy for years to come. Don't waste your money buying something subpar from TCL or Vizio or any other off-brand manufacturer. These TV's are cheap for a reason...I stupidly purchased a Vizio because it w...
by BogleFanGal
Thu Mar 25, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5190

Re: Mail to IRS--Certified

I've posted this before, but so many people don't realize that not not everyone CAN efile. I have been unable to efile ever since they introduced the concept - I've given up. IRS IT support teams cannot figure out why I can't efile and why I continue to get errors and rejections. They don't seem wil...
by BogleFanGal
Thu Mar 25, 2021 12:44 pm
Forum: Personal Investments
Topic: Advice on not stressing closer to retirement
Replies: 62
Views: 3790

Re: Advice on not stressing closer to retirement

I’m comfortable with my current 63/37 allocation ..... Still, I can’t help looking and getting stressed over it. These are not consistent statements. Sure they are, in a period where interest rate rises mean bond downside, high stock market valuations, and the potential of lurking inflation. There ...
by BogleFanGal
Sun Mar 21, 2021 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Retire in early 40s?
Replies: 53
Views: 7884

Re: Retire in early 40s?

Retired at 44 - single no kids. Honestly I’m not sure where I would find the time to go work nowadays. You’ll love it!! Also, someone shared on a recent post this blog update: https://livingafi.com/2021/03/17/the-2021-early-retirement-update/#more-15998 about FI and unexpected events. I found it to...
by BogleFanGal
Fri Mar 12, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: Mail to IRS--Certified
Replies: 74
Views: 5190

Re: Mail to IRS--Certified

I keep getting told I can't send certified mail to the IRS. All the IRS addresses I have are post office boxes and USPS tells me unless someone is available to sign, I cannot send certified to a post office box. I tried sending certified after IRS claimed my tax forms were sent late (they weren't......
by BogleFanGal
Fri Feb 12, 2021 8:07 am
Forum: Personal Consumer Issues
Topic: "Preventive Care" - What is it exactly?
Replies: 8
Views: 1204

Re: "Preventive Care" - What is it exactly?

I have GEHA: very little is covered under preventive for a healthy adult - they follow Affordable Care Act (Obamacare) guideliness for wellness...so you can look up what's covered there. I tell the doc to do the tests they think are important as they are the expert, (while reminding them I'm paying ...
by BogleFanGal
Thu Feb 11, 2021 1:48 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 450
Views: 29238

Re: The Power of Working Longer

Instead, the paper is answering the following question. As you get very near to your retirement date, is it worthwhile to work a few more months or a year longer than you intended? The answer is incontrovertibly, YES BobK If it's worthwhile financially to work months or a year after your retirement...
by BogleFanGal
Mon Feb 01, 2021 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone still file fed taxes by mail? Why?
Replies: 104
Views: 6671

Re: Does anyone still file fed taxes by mail? Why?

I still file by certified mail both IRS and state. I get free Turbotax from Fidelity and even enter my information each year, but that's just as a double check on my spreadsheet's calculations. If/when it gets to the point where I can directly enter my information through the IRS website I might ch...
by BogleFanGal
Mon Feb 01, 2021 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone still file fed taxes by mail? Why?
Replies: 104
Views: 6671

Re: Does anyone still file fed taxes by mail? Why?

Yes. Because E-filing failed. Yup...x100. As life gets ever shorter, I refuse to waste more hours waiting on IRS help lines that go nowhere. I cannot efile - they keep rejecting me and they can't figure out why. They just keep passing the buck to other depts. Biggest concern with mail is that it's ...
by BogleFanGal
Tue Jan 26, 2021 2:14 pm
Forum: Personal Consumer Issues
Topic: What to expect when retiring to NC?
Replies: 43
Views: 4015

Re: What to expect when retiring to NC?

If you enjoy building/fixing things you can always rent a place in a storage facility. That way you wouldn't be bothering anyone when you were doing woodworking projects, or working on engines, or whatever. You wouldn't be welcome in most if not all areas having HOAs because of the density of the c...
by BogleFanGal
Fri Jan 22, 2021 1:39 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3178

Re: any suggestions for best 65" TV under $1000?

Thank you for the continued suggestions! Been checking them out - quite a few are out of stock right now. Others have a 1 year warranty, which normally isn't a big deal, but w/several sets recommended in this thread that do offer a longer 3-5 year warranty at Costco and Sams, kinda holding out for t...
by BogleFanGal
Thu Jan 21, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3178

Re: any suggestions for best 65" TV under $1000?

A used Pioineer Kuro plasma TV unless you get to LG OLED level. A pioneer Kuro is a 12+ year old TV. While they were quite impressive for their time, the tech has moved on. You'd be putting up with an outdated interface, image processing, and lower resolution. Plus, they are very power hungry, whic...
by BogleFanGal
Thu Jan 21, 2021 1:44 pm
Forum: Investing - Theory, News & General
Topic: Signs of Bubble logic - greed overcoming fear
Replies: 212
Views: 19106

Re: Signs of Bubble logic - greed overcoming fear

I hate to say it, but the reason why we are in this mess is because people are selfish. Do you know how many COVID patients I have seen who got sick because of Christmas dinner. How may got sick because of Thanksgiving and New Years? How many got sick because of weddings and other outings. Looking ...
by BogleFanGal
Thu Jan 21, 2021 8:02 am
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3178

Re: any suggestions for best 65" TV under $1000?

Sony X900H https://www.rtings.com/tv/reviews/sony/x900h Sells at Costco as the Sony X90CH (Sony XBR65X90CH 4K UHD LED Smart TV) & comes with a 5 year warranty If patient, the most recent sell price in November was $969 . Same sale price was available in September 2020. Normal price is $400 high...
by BogleFanGal
Tue Jan 19, 2021 8:08 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3178

Re: any suggestions for best 65" TV under $1000?

thank you all - lots of good suggestions to pore through. Don't have a costco membership - do have sam's Been keeping an eye on Slick deals website - so many posted deals are costco! I guess I could buy a costco membership just for this - just wouldn't use it for other stuff, as there isn't one near...
by BogleFanGal
Tue Jan 19, 2021 1:47 pm
Forum: Personal Consumer Issues
Topic: any suggestions for best 65" TV under $1000?
Replies: 48
Views: 3178

any suggestions for best 65" TV under $1000?

Hi all - my TV rang in 2021 by giving up the ghost. Any reccos on decent quality, good brand 65" TV in $600-1000 range for someone who just watches movies/TV shows? Not a gamer or an app user, other than streaming device - which I could sell if TV OS is good AM SEEKING: Decent screen brightness...
by BogleFanGal
Sat Jan 16, 2021 1:41 pm
Forum: Personal Investments
Topic: Vanguard's service as Peanuts strip
Replies: 46
Views: 4022

Re: Vanguard's service as Peanuts strip

This is one reason why I avoid calling banks, brokers, basically any form of customer service to the extent that I can avoid it. It's not just the time it involves, but the answers you get are often wrong if your case is a bit out of the usual swimlane. And those are the times I would need to call,...
by BogleFanGal
Sat Jan 16, 2021 12:55 pm
Forum: Personal Consumer Issues
Topic: Universal theme parks Orlando: premium experience
Replies: 34
Views: 3258

Re: Universal theme parks Orlando: premium experience

saw above poster linked you to Uni offerings. All the parks have versions of VIP tours - personal tours with a guide that give you front of line access and allow you to shape the day however you want, go on whatever attractions you choose, etc. Don't forget to factor in a 10-20% tip for the guide, i...
by BogleFanGal
Fri Jan 15, 2021 7:49 pm
Forum: Personal Consumer Issues
Topic: Is anyone playing the Future Cruise Credit game?
Replies: 16
Views: 1875

Re: Is anyone playing the Future Cruise Credit game?

I love cruising and look forward to the day I can book again. But I think this whole cruise credit is a real racket - I've heard they've pumped up the prices of future 2022+ cruises quite a bit, so all those credits they offered people this past year barely buy them the equivalent vacation they lost...
by BogleFanGal
Mon Jan 11, 2021 12:37 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15696

Re: Regrets postponing retirement too long?

Sometimes it seems that Bogleheads operate in a different universe where all kind of possibilities that don't apply to the vast majority of people do actually apply to them, and sometimes we lose sight of how life works for everyone else. I agree with this. There are many working people who just do...
by BogleFanGal
Mon Jan 11, 2021 9:59 am
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15696

Re: Regrets postponing retirement too long?

We don't just retire FROM something. We need to retire TO something! I disagree. Different strokes for different folks. YOu seem like the type of person that needs to stay busy. Its what balances you out and keeps you sane. There isnt a one size fits all model. I know retired people who exercise a ...
by BogleFanGal
Tue Jan 05, 2021 2:44 pm
Forum: Personal Consumer Issues
Topic: Used car buying (quick question)
Replies: 30
Views: 2536

Re: Used car buying (quick question)

Financially, the used choice is a no-brainer. The used is still under warranty so any immediate problems are fixed for free, and with only 2 years and 21k miles, there's no worry about any missed maintenance. The only thing would be as long as it's had at least one oil change. 21k miles is less tha...
by BogleFanGal
Sun Jan 03, 2021 3:48 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8565

Re: AAA - American Auto Assn - Service has gone way down

Any Mazda owners know if Mazda's original warranty covers towing if the car breaks down during its first 3 years/36k warranty period?
by BogleFanGal
Sun Jan 03, 2021 3:44 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8565

Re: AAA - American Auto Assn - Service has gone way down

I'll try installing the phone app. Liked it better when I just dialed a number and talked to a person, who spoke perfect english. Agreed completely - but those days are over - you are now directed to some callcenter likely outside the US. The phone app will send in your location coordinates and eve...
by BogleFanGal
Fri Jan 01, 2021 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

A couple of things. Are you sure there isn’t a phone number to call found on the back of the CP14 letter? Mine has one. I filed my Mom’s 2019 return via TurboTax in mid February and asked that her $83 amount due to be pulled from her checking account on March 1st. It was. In August, we received a C...
by BogleFanGal
Fri Jan 01, 2021 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

I've been on both sides of this. As you probably already figured out, the notice was generated automatically on the basis of "just because". You simply write in, tell them the mistake, provide your evidence (which may just be a statement of fact), and you should be OK. Although it's an ea...
by BogleFanGal
Fri Jan 01, 2021 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

thank you all - terrific advice. As Lakpr suggested, I already sent a polite notice (tracked this time - duh :oops: ) stating that I was mistakenly penalized - before I saw MarkNYC's advice on that last post. If first attempt doesn't pan out, will try again with that even stronger appeal. I only ha...
by BogleFanGal
Thu Dec 31, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Have I Been Overpaying Amazon?
Replies: 98
Views: 7259

Re: Have I Been Overpaying Amazon?

Yes, you have been overpaying. Amazon counts on using convenience and habit to create price insensitivity. Ding ding ding! Yep. Not unique to Amazon, for sure. To this day, I know many people who automatically assume that Walmart is cheaper for every single item... I generally find Amazon and Walma...
by BogleFanGal
Thu Dec 31, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

thank you all - terrific advice. As Lakpr suggested, I already sent a polite notice (tracked this time - duh :oops: ) stating that I was mistakenly penalized - before I saw MarkNYC's advice on that last post. If first attempt doesn't pan out, will try again with that even stronger appeal. I only hav...
by BogleFanGal
Thu Dec 31, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: bogleheads on Reddit
Replies: 62
Views: 8515

Re: bogleheads on Reddit

SmileyFace wrote: Thu Dec 31, 2020 1:51 pm The moderators here are what makes this place great. No name-calling, politics, crazy-talk allowed.
Reddit is the wild-wild west in comparison. I guess some may see moderation as a negative so if you are one that wants to rant go there versus here.
+1
by BogleFanGal
Thu Dec 31, 2020 3:38 pm
Forum: Personal Consumer Issues
Topic: bogleheads on Reddit
Replies: 62
Views: 8515

Re: bogleheads on Reddit

Reddit is alright but it's not as cultured like here. Some subreddits are managed well, some are just wild wild west. Exactly. The quality varies a lot, depending upon who's moderating that particular sub reddit. At the risk of sounding...I don't know... elitist...I don't think you get nearly the s...
by BogleFanGal
Thu Dec 31, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

Before everyone asks why I send via mail vs online, IRS system won't let me file online. Despite hours on phone w/IRS and several escalations, my return continued to be rejected for years. They've reset PINS, tell me to use prior year AGI - nothing works. IRS agents themselves admitted they didn't ...
by BogleFanGal
Thu Dec 31, 2020 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

Re: CP14 "late" return penalty: should I pay or try getting it waived?

Before everyone asks why I send via mail vs online, IRS system won't let me file online. Despite hours on phone w/IRS and several escalations, my return continued to be rejected for years. They've reset PINS, tell me to use prior year AGI - nothing works. IRS agents themselves admitted they didn't k...
by BogleFanGal
Thu Dec 31, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: CP14 "late" return penalty: should I pay or try getting it waived?
Replies: 13
Views: 799

CP14 "late" return penalty: should I pay or try getting it waived?

If you received a CP14 wrongly claiming late return penalties when you know you mailed/paid on time and IRS themselves admits they are backlogged with piles of unopened returns, would you try to request removal of penalty, even though you lack proof of receipt date? If yes, how can I do this when CP...
by BogleFanGal
Tue Dec 29, 2020 5:05 pm
Forum: Personal Consumer Issues
Topic: Is There a "Bogleheads" for Health and Medical Issues
Replies: 31
Views: 2806

Re: Is There a "Bogleheads" for Health and Medical Issues

This is more a general vs a medical focused site, but I've found early-retirement.org is a very welcoming place with some smart folks participating and topics aren't as restricted as they are on BH - you could start a discussion there and see what arises. I think they may even have a specific "...
by BogleFanGal
Sat Dec 26, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8917

Re: Turbotax on Sale Today Only

Thanks for posting! I just ordered. Amazon has promos for using credit cards (Citi Thank You, AMEX) rewards points. The Citi promo is $20 off a $50+ order. I used $1 in Citi ThankYou points to get $20 off my order of TT Deluxe $39.95 and a $25 Whole Foods gift card. I paid $45 for both or $35 net a...
by BogleFanGal
Sat Dec 26, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8917

Re: Turbotax on Sale Today Only

Thanks for posting! I just ordered. Amazon has promos for using credit cards (Citi Thank You, AMEX) rewards points. The Citi promo is $20 off a $50+ order. I used $1 in Citi ThankYou points to get $20 off my order of TT Deluxe $39.95 and a $25 Whole Foods gift card. I paid $45 for both or $35 net a...
by BogleFanGal
Sat Dec 26, 2020 11:48 am
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8917

Re: Turbotax on Sale Today Only

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by BogleFanGal
Sun Dec 13, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: 25x expenses- does it take into account social security?
Replies: 39
Views: 5335

Re: 25x expenses- does it take into account social security?

I also don't count SS or pension when I think of the goal for 25x. However, I do check on what things look like from time to time (current portfolio + SS and pension), with different withdrawal rates to get a practical sense of how it is shaping up overall. What is the difference between counting a...
by BogleFanGal
Sat Dec 12, 2020 10:27 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23883

Re: Where to Retire?

Total cost of living is far more important than state income tax, or even total tax burden. I’ve heard tales of people in parts of Florida paying more just for homeowners insurance on their condo, than the entire tax plus homeowners insurance in many other states. And don’t get me started on how mu...
by BogleFanGal
Sat Dec 12, 2020 9:53 am
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 14353

Re: Who's keeping Netflix now? (price increased to $13.99)

I downgraded to the standard plan after the announcement - $8.99. No need for multiple screens watching all at once anyway. If they up that plan then it may be time to bite the bullet. Haven't gotten there yet. -TheDDC I believe they'll continue jacking up the multi screen plans as part of their bu...
by BogleFanGal
Mon Dec 07, 2020 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 184629

Re: How much money do you want to retire?

I find the range of spending discussed in this thread to be “eye opening”. We seem to be living in different worlds let alone “different bubbles”. Reading these threads really brings me back to “reality” and again confirms how atypical we are. I find it depressing - I really have to stop reading th...
by BogleFanGal
Mon Dec 07, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Need 2nd car for baby?
Replies: 42
Views: 2376

Re: Need 2nd car for baby?

Here's a consideration I haven't seen mentioned - you have an older car. Even Toyotas - the supposed holy grail of reliability - may break down at some point - needing a minor or major repair. Without a second car to fall back on, life becomes a real hassle unless you literally live walking distance...
by BogleFanGal
Sun Dec 06, 2020 3:25 pm
Forum: Personal Consumer Issues
Topic: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)
Replies: 49
Views: 11097

Re: Target gift cards 10% off today & tomorrow (Sat/Sun Dec. 5/6)

I usually get this, but noticed it's only for "circle" members this year - is that a store credit card you have to apply for or just an ordinary loyalty club anyone can join?