Bogleheads.org

rich126

I have mix feelings on bonuses. Often there is some gotcha or you have to call and complain about not getting one. The best place I've seen has been Marcus. They actually have a page online that shows the amount of bonus and the date it will be paid. I am also hoping to get ones from Schwab and Capi...

rich126

Stocks will go up and down. In some cases you can be "sure" it will go down, and it might but it might drop 20% after it has gone up 30% which won't help you much. Personally I always use a market order just in case something strange happens. Things that trade heavily (e.g., SPY) usually o...

rich126

I would like to transfer money from bank A to bank B (both are my accounts). I don't currently have any kind of transfer set up between them. Usually if you try to transfer money from one place to another, most financial places set up test deposits which you have to verify and it takes up to a week....

rich126

This is one of those things that works until it doesn't. About 15 years ago a bunch of people were flipping homes in AZ. In some cases not even doing anything to the home. If you were lucky and got out before things crashed you made money, others weren't so lucky. After things crashed a friend was t...

rich126

I can relate to this and the usual comments that come along. I originally spent 15 years in federal government and had a blast working with very sharp people doing unique technical work but I didn't want to be a government lifer and the last 5 years we had new managers yearly which slowly eroded mor...

rich126

In most cases you can limit showings. My reasoning was that my sale was during covid and I only wanted people who were approved and able to afford the home. I also restricted showings to only 4 days (basically one long weekend) and only via appointments. No open homes, etc. I had no issue with any o...

rich126

fuddbogle wrote: ↑Tue Apr 20, 2021 9:15 am The King of robocalls.

Ain't that the truth.

rich126

I don't pay for any of their services but with the run up of tech and speculative stocks, many of their selections have greatly lapped the SP500. Even with an occasional dud, I thin following something like Stock Advisor would have made you a fortune. Personally while I invest in stocks, I prefer th...

rich126

I haven't skied for a while but used to visit a variety of resorts. Steamboat was very nice especially since it had a lots of terrain and wasn't as difficult as places such as Telluride. I've been to Sun Valley twice and loved the town and scenery but it is very hit or miss with snow so you may be s...

rich126

Well you have to live to age 88 and 10 months to break even. That’s not even factoring In any gains on the $ that could be invested or the ability to draw less on other investments. I think it’s a no brainer to take at 67 or perhaps earlier. Just rough estimate I was thinking $42,000 * 3 = 126,000 ...

rich126

I feel really old. I was a fan when Juan Manuel Fangio was world champion. For my money, Jim Clark and Aryton Senna were the greatest drivers. Both died driving. Hemingway said big game hunting, bull fighting, and auto racing were sports - the rest are just games. DMW I am not a huge fan of F1 but ...

rich126

Just to clarify. If I don't take the job that increases the pension then I would be collecting the pension within 2 years and may either retire or also collecting pay from another job. The pensioned job only matches 5%. The other job gives you 3% of your salary and then matches up to 4% if you contr...

rich126

Watched a WW2 movie based on one survivor from a US recon flight in Belgium. Julie Ormand and Bill Paxton starred. Slow moving and a sad ending. On Amazon Prime.

Also on prime is a documentary about Nancy Wade who was in the British SOE. Very interesting and on Prime.

rich126

As I get older I usually don't have issues getting to sleep but tend to wake up 3-5 hrs into sleep. Usually I can go back to sleep but it is annoying. I've also learned not to force sleep. If I am not sleepy don't try to go to sleep since I will just lay there awake. Instead stay up until I am reall...

rich126

Assuming you have already qualified for the pension (COLA) is the easiest way to calculate any increase to the pension vs. saving additional money is to use the 4% SWR? For example you have the option to return to the company that you have the pension with, and each year back increases the pension b...

rich126

I was going to recommend some webcams to monitor things remotely although that means continuing to pay for Internet service and you may not want to do that. Generally I'm not a fan of the lack of security they have, but I would want to keep an eye on the place in case of flooding, break ins, etc.

rich126

What did you do 7 months ago when that person wasn't hired? Did you contact the person and said "Unfortunately we selected another person but appreciated you applying to the position." As an applicant my opinion would depend on whether a company simply selected another person and told me s...

rich126

Might depend on definitions of coast vs grind. I've never had interest in working more than 40 hrs but I like to be very productive in those 40 hrs. In some sense I'm dialing it back (temporarily) since I'm only working 27 hrs a week. I cut back because I was bored and had a long commute. I'm certai...

rich126

These numbers will be from 0 to very high. The federal government plans are 80/20 where you pay the 20% of the plan costs and that varies greatly based on the plan. You can see rates at https://www.opm.gov/healthcare-insurance/healthcare/plan-information/plans/2021/state/md/rates For 2020 at my curr...

rich126

PayPal is required to report gross payments received for sellers who receive over $20,000 in gross payment volume AND over 200 separate payments in a calendar year. So, just $20,000 in receipts wouldn’t trigger the 1099 unless there was also 200+ payments. https://www.paypal.com/us/webapps/mpp/irs6...

rich126

I try to tell people "Please no gifts". I'm at an age where I don't need much and what I do need I can easily afford. Holidays/BDays are for kids. I've been trying to down size and when I sold my house last year I gave away much of my furniture and threw away a ton of stuff. My GF is tryin...

rich126

Thanks for weighing in. I see my PMs are stuck in outbox. How can I make to SEND ? Thanks for your guidance. PM will remain in your outbox until it is read by recipient, at which time it "moves" to "sent". Yes, a bit confusing. RM Would make more sense if it was called "rea...

rich126

Sounds like a lot of extra work, stress and potential liability. I hope you are getting extra compensation for the task.

rich126

My limited understanding of MYGAs is that they pay a fairly minimal (1%) commission to anyone selling them. As a buyer of the MYGA you don't save anything if you buy them directly or pay extra going through someone collecting a commission. At least that is what I've been told.

rich126

I'm curious, shouldn't a CFO have a financial background?

My GF currently works for a small health care company which is having issues and their CFO has no financial background and that seems to be a part of the issue.

rich126

Didn't move to Wisconsin for weather alone, but it was a drawing point. Nice calm and colorful autumns, cold and white winters with lots to do outside, and hot(ish) humid verdant summers. The only regret is that winter is really hard on the house (like a bursting pipe for the radiators) and the car...

rich126

I briefly looked into some of these when I had a lawn guy that wanted to use it. My issues were: 1. A surcharge to use a credit card. 2. Wanting to link to my bank account. So I declined and paid him in cash. I very rarely will link anything to my bank account or allow anyone to auto deduct from it....

rich126

As I expected the FEMA phone lines are overloaded. They went from busy signals to 'circuits overloaded' messages yesterday to an IRS like message this morning. Heavy call volume. Please call back at a later time. So I'll just keep trying, and maybe I'll get through some day. My GF has tried a few t...

rich126

$4K for a swing set. Oh my. What problems some people have.

rich126

While money is money and in reality it is one big bucket, I prefer to think of it as various buckets. Also I don't view cash as losing but instead provides opportunities to buy when everyone else is selling. Anyhow I'm thinking of the following: 1. My core bucket where I will be taking ~4% from year...

rich126

I grew up in MD and have literally detested summers there since I was quite young due to the humidity. The perfect day to me is snow. I actually moved to AZ for work and surprisingly really enjoyed the dry heat. I miss the snow but not rain. Having said that, I don't think weather would be the main ...

rich126

ThinkorSwim is the best. TD Ameritrade. I haven't kept up with all of them so maybe this is less true but another thing that was nice with TOS is that it fully supported Apple computers. At one time when Scottrade was around they had one but it was Windows only. Huh, that's interesting. I was not a...

rich126

Marseille07 wrote: ↑Sun Apr 11, 2021 6:24 pm ThinkorSwim is the best. TD Ameritrade.

I haven't kept up with all of them so maybe this is less true but another thing that was nice with TOS is that it fully supported Apple computers. At one time when Scottrade was around they had one but it was Windows only.

rich126

This happened this morning. I did not make any password reset attempts so apparently an attempted hack. The email appears legit and the number to call to unlock is the legitimate TSP service line. So what can I infer from this type of attempt? The password is complex. The username is not (me bad). ...

rich126

A budget is similar to people here writing an IPS. The benefit is sitting down and seeing the numbers. As to their effectiveness that depends on the person. Personally I laugh at the comments where people say they consult their IPS. You wrote it so you can break it, not like someone else is enforcin...

rich126

I've pondered retiring earlier than my original 60 but won't do it. I think we would be ok but a few things will keep me going. My pension and health insurance doesn't start until 60. Currently I've taken some time off and reduced my hours to 3 days a week so that has been nice to enjoy life and rec...

rich126

I have a rather substantial tax bill due this year due to selling a rental house and some investments. I've already gone and just sent a check in for the state taxes. For the federal taxes is there any issues if I do a combination of the following? 1. Use a bank transfer to pay a portion of it 2. Us...

rich126

Right now it can be hard to use due to: 1. Lack of flights (lots of cut backs on # of flights) 2. Travel restrictions Usually the best value for miles are international premium cabins or last minute expensive flights. It also helps to have a flexible schedule. And yeah, some travel stuff right now i...

rich126

Added: you will receive a lump sum payment for accumulated annual leave. My agency put it in the final check. I think some agencies send it separately. I know, that's whopper of a monkey wrench, isn't it. Thanks for the heads up. I've never understood the desire to max out leave. It doesn't make se...

rich126

Added: you will receive a lump sum payment for accumulated annual leave. My agency put it in the final check. I think some agencies send it separately. I know, that's whopper of a monkey wrench, isn't it. Thanks for the heads up. I've never understood the desire to max out leave. It doesn't make se...

rich126

I have Schwab, Fido, and Vanguard. I would never cosolidate anything into Vanguard. Stick with Fidelity for a few reasons. One,Fidelity allows for fractional share investing for ETFs and stocks. Two, Fidelity's web and app interfaces are light years ahead of Vanguard. I closed out my Vanguard accou...

rich126

Might depend on what you want from points. If you want the ability to transfer points to travel partners (i.e., transfer to airline and take a business class flight to Europe) you need to have certain Chase cards. As someone else mentions it also primary CDW waiver coverage on rental cars. 24/7 road...

rich126

The lifecycle funds simply use the underlying C, S, I, F, G fund and adjust accordingly. If you was 50-60% equities, why not just allocate accordingly in the TSP yourself? I would agree with this although the lifecycle funds use some very non-round numbers for their allocations. For example: L2045 ...

rich126

Most of this is highly dependent on the company and managers involved. Some seem to hold everything against people and others are much more understanding. Some (most?) places I would never tell them anything about leaving until I gave my notice. Others I know the people well and will bounce things o...

rich126

While you would prefer to increase income I think you can get to a point where money is secondary to happiness. Sure if a pay cut means you have to make drastic lifestyle changes to include even medical events that is a different story but often it isn't to those levels. I've gone to doubling my sal...

rich126

Maybe it is too hypothetical or opaque for many to give advice on. More so, just trying to take a poll of prevailing sentiment. In my mind, I think I could put up with pretty much anything for the first 8-10 years of my career if it will set up my family financially. Not sure if that is just becaus...

rich126

I've gone back and forth on this several times. I've left safe federal government jobs twice (15 and 6.5 yrs) and have an offer to go back now. In your field (QA), I think job stability isn't usually very good. I know where I worked previously QA and CM folks tended to disappear (along with mid-mana...

rich126

I wouldn't say much but of course don't lie either. That process sounds like trying to get a government job, especially one with a clearance. I once was dealing with several small contractors and it turned out 2 of them put me in for the same position with the government (oops!) but it wasn't anythi...

rich126

Might want to ask her if she'd prefer to have a flooded basement or house. I've had a lot of issues with drainage at various homes back east. People do get certain prices in their mind for certain jobs. I've known at times I went "Really that much?" and other times "Wow, I thought it ...

rich126

I know that there are alot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting....

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