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Forum: FIRE and Money 03-30-2015, 09:34 AM
Replies: 75
Views: 3,379
Posted By smurray5991
I have a Small Business Sparks checking account...

I have a Small Business Sparks checking account with Capital One (where I already had my personal checking account.). I have never been charged *anything* for deposits, either paper check or EFT,...
Forum: FIRE and Money 03-02-2015, 08:31 AM
Replies: 4
Views: 505
Posted By smurray5991
I partially withdrew my TSP funds in 2014 (TSP-77...

I partially withdrew my TSP funds in 2014 (TSP-77 form) to roll over into an IRA so that I could gradually do Roth conversions. A notary was required, but no signature guarantee/medallion signature...
Forum: Travel Information 02-05-2015, 07:21 AM
Replies: 67
Views: 3,306
Posted By smurray5991
You generally can purchase insurance anytime...

You generally can purchase insurance anytime after your initial booking until the day you travel. HOWEVER, if you want to include any 'pre-existing conditions' in your coverage, most of the major...
Forum: Hi, I am... 01-16-2015, 05:52 PM
Replies: 77
Views: 5,498
Posted By smurray5991
Yes, there is a Roth TSP, but it is relatively...

Yes, there is a Roth TSP, but it is relatively recent and only pertains to new contributions. So if you have a lot in traditional (non-Roth) TSP accumulated in previous years, you are not allowed to...
Forum: Hi, I am... 01-16-2015, 12:32 PM
Replies: 77
Views: 5,498
Posted By smurray5991
Unfortunately TSP does NOT allow Roth conversions...

Unfortunately TSP does NOT allow Roth conversions at this time. So that's why I rolled most of mine into a traditional IRA, so I can do Roth conversions over time. I'm doing this mainly to reduce my...
Forum: Other topics 10-29-2014, 10:33 AM
Replies: 51
Views: 1,473
Posted By smurray5991
Google search for 'early retirement,' 'can I...

Google search for 'early retirement,' 'can I retire early?,' and similar phrases.
Forum: FIRE and Money 10-26-2014, 11:15 AM
Replies: 112
Views: 8,234
Posted By smurray5991
Travel insurance (i.e., medical emergency...

Travel insurance (i.e., medical emergency care/evacuation, trip interruption, etc.). Based on total trip value being insured, age of insured, and time of trip.
Forum: FIRE and Money 10-26-2014, 09:01 AM
Replies: 112
Views: 8,234
Posted By smurray5991
I realize I'm probably an outlier in that I since...

I realize I'm probably an outlier in that I since I semi-ER'ed in April 2013 I've spent a full 5-7 months a year traveling, usually about 90% international, 10% domestic.

Domestic portion is...
Forum: Health and Early Retirement 10-07-2014, 12:00 PM
Replies: 80
Views: 5,162
Posted By smurray5991
I think BCBS requires that it is *prescribed* by...

I think BCBS requires that it is *prescribed* by a physician, but in my experience they didn't care where it is actually administered. I asked for and got a prescription from my doctor at my annual...
Forum: Health and Early Retirement 10-07-2014, 11:50 AM
Replies: 80
Views: 5,162
Posted By smurray5991
The shingles vaccine was fully covered under my...

The shingles vaccine was fully covered under my federal retiree BCBS health plan with no co-pay -- however, I needed a doctor's prescription to get it (unlike the flu vaccine, which you don't need a...
Forum: FIRE and Money 10-06-2014, 12:55 PM
Replies: 24
Views: 1,199
Posted By smurray5991
Yes, the EIN must be separate from the...

Yes, the EIN must be separate from the proprietor's personal SSN to open a solo 401(k). You can get this in a few seconds online at the IRS website, so it's no big deal.
Forum: FIRE and Money 06-19-2014, 08:27 AM
Replies: 177
Views: 12,842
Posted By smurray5991
Travel. (This year, will spend about six months...

Travel. (This year, will spend about six months on various US and international trips).
Forum: FIRE and Money 06-17-2014, 12:21 PM
Replies: 152
Views: 12,267
Posted By smurray5991
In the 1980s or 1990s, when my parents net worth...

In the 1980s or 1990s, when my parents net worth far exceeded the $1 million mark, I bought my father a fake $1,000,000 bill as a novelty present. It still sits in the office in my mother's house (my...
Forum: Other topics 06-05-2014, 02:24 PM
Replies: 9
Views: 454
Posted By smurray5991
If you have a Schwab account, their credit/debit...

If you have a Schwab account, their credit/debit card has no ATM fees no matter where you withdraw from (or they reimburse you for them), and no foreign transaction fees. They also have mobile check...
Forum: Other topics 05-23-2014, 09:20 PM
Replies: 12
Views: 564
Posted By smurray5991
I purchased a clothes dryer online from the...

I purchased a clothes dryer online from the Lowe's website a few months ago, and the price included delivery and installation as with Lowe's (and most other) brick and mortar stores. The major...
Forum: Travel Information 05-15-2014, 06:47 PM
Replies: 34
Views: 1,484
Posted By smurray5991
Most of the travel policies I've seen have some...

Most of the travel policies I've seen have some kind of 24 hour medical assistance number that provides a range of help for getting medical care around the world. From what I understand they get you...
Forum: FIRE and Money 05-14-2014, 02:18 PM
Replies: 39
Views: 5,819
Posted By smurray5991
Just curious for those who have purchased...

Just curious for those who have purchased ESPlanner, do you use regular, Pro, or Plus versions?
Forum: Travel Information 05-14-2014, 01:21 PM
Replies: 34
Views: 1,484
Posted By smurray5991
I've used TravelGuard and CSA in recent years....

I've used TravelGuard and CSA in recent years. World Nomads is actually underwritten by TravelGuard I believe.

Typically the cost of all these policies is a function of the length of time...
Forum: Other topics 05-01-2014, 09:49 AM
Replies: 49
Views: 2,014
Posted By smurray5991
I found this poll a little hard to answer because...

I found this poll a little hard to answer because it seems that most are regarding 'period of unemployment' as losing a job, taking off for some extraordinary life event (e.g., birth or death), or...
Forum: Other topics 03-27-2014, 08:22 PM
Replies: 9
Views: 708
Posted By smurray5991
I have used:...

I have used: http://www.yellowpages.com/reversephonelookup for free. Works for non-cell phone numbers.
Forum: Life after FIRE 12-17-2013, 12:09 PM
Replies: 72
Views: 6,735
Posted By smurray5991
Back on the NM water issue, groundwater shortages...

Back on the NM water issue, groundwater shortages that many communities depend on are also in critical mode. From a recent article:

"Depleted groundwater is a problem all over the Southwest in...
Forum: Life after FIRE 12-16-2013, 08:29 AM
Replies: 72
Views: 6,735
Posted By smurray5991
I lived in NM for 10 years (the entire 80s), in...

I lived in NM for 10 years (the entire 80s), in Espanola (north of Santa Fe), Albuquerque, and Santa Fe, and go back every few years to visit. I love the high desert landscapes, the climate...
Forum: Other topics 11-23-2013, 10:47 AM
Replies: 39
Views: 1,858
Posted By smurray5991
I used the Costco car buying service to help my...

I used the Costco car buying service to help my mother buy a car a few months ago, and agree it is super simple and gets a very good price. The quote comes back almost instantly, and the car dealer...
Forum: FIRE and Money 11-14-2013, 08:49 PM
Replies: 63
Views: 6,512
Posted By smurray5991
I have to admit I'm really into credit card cash...

I have to admit I'm really into credit card cash back and I personally greatly prefer cash benefits over miles or any other perks.

All my numerous credit cards have cash back and no annual fee....
Forum: Travel Information 11-05-2013, 09:44 PM
Replies: 59
Views: 3,933
Posted By smurray5991
Well, I might have expected anal probes in...

Well, I might have expected anal probes in Roswell, but it does seem a little excessive in the rest of the state..... :laugh:
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