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BogleFanGal

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...

BogleFanGal

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.

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

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......

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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,...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

Any Mazda owners know if Mazda's original warranty covers towing if the car breaks down during its first 3 years/36k warranty period?

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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

BogleFanGal

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...

BogleFanGal

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 ...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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 "...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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...

BogleFanGal

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?

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