Maricar19 Account Talk

[Stoplight]

Ahaa.. so you and Mr. JPCavin are Floridians (?)

I see you've been "corrected" regarding JP !

Yes, indeed...we're Floridians !


Stoplight...

 

[Maricar19]

I see you've been "corrected" regarding JP !

Yes, indeed...we're Floridians !


Stoplight...

Do I call you Mr. or Ms or Mrs.?

 

[Maricar19]

Ahaa.. so you and Mr. JPCavin are Floridians (?)

My sincerest apolgies, Ms JPCavin.

 

[jpcavin]

My sincerest apolgies, Ms JPCavin.

It's quite alright. Most people miss my flower avatar. Else, they must think I'm gay. :laugh:

 

[Maricar19]

Your Personal Investment Performance (PIP) for the past 12 months ending 03/31/2015 is 10.43%.
(Your PIP is posted by the 3rd business day of each month.)

Officially -.$87.00 for Quarter II, April 01.

 

[Cactus]

Am I reading you right? You only made $87 in the first quarter with a PIP of 10%? I hate to break it to you but you won't be retiring any time soon. Still, I love your PIP. Mine is still negative.

 

[bmneveu]

Am I reading you right? You only made $87 in the first quarter with a PIP of 10%? I hate to break it to you but you won't be retiring any time soon. Still, I love your PIP. Mine is still negative.

Since PIP covers the last 12 months, he/she could have had a .01% quarter and still have a 10% PIP if the rest of the year was good. That would compute to an account balance of $870,000!

 

[Cactus]

Since PIP covers the last 12 months, he/she could have had a .01% quarter and still have a 10% PIP if the rest of the year was good. That would compute to an account balance of $870,000!

Good Point!

Hmmm. On the AT Maricar19 is at 5.06% year to date, so I don't think it's a 1st quarter bust. I still think I misunderstood the $87 line.

 

[Maricar19]

Good Point!

Hmmm. On the AT Maricar19 is at 5.06% year to date, so I don't think it's a 1st quarter bust. I still think I misunderstood the $87 line.

Hey Cactus an BMneveu, I was a little discombobulated with my posts for the last 2 days..because of April Fool's day.
Sorry for misleading you both.


i made $19924 for Q1, 3/31. On 4/1, gains decreased to $19837. The -$87 is for the beginning of Q2.
My logic- Around the 14th of April, TSP will move all Q1 gains as beginning balance for Q2 which is why I said I am entering Q2 as negative.

 

[Maricar19]

Good Point!

Hmmm. On the AT Maricar19 is at 5.06% year to date, so I don't think it's a 1st quarter bust. I still think I misunderstood the $87 line.

Hey Cactus an BMneveu, I was a little discombobulated with my posts for the last 2 days..because of April Fool's day.
Sorry for misleading you both.


i made $19924 for Q1, 3/31. On 4/1, gains decreased to $19837. The -$87 is for the beginning of Q2.
My logic- Around the 14th of April, TSP will move all Q1 gains as beginning balance for Q2 which is why I said I am entering Q2 as negative.

4/1/2015 negative $87.00
4/2/2015 is a positive $174.00.

 

[Maricar19]

Hello...
question: if you have a Walmart, Campbell's stocks and US Savings Bonds (with guaranteed rate of 4+%), and you need to raise some cash, which one will you redeem first?

 

[Birchtree]

Investigate a margin account and borrow against your equity - tax deductible. I just hate to sell stocks, so I'm biased. I'd rather acquire debt.

 

[Maricar19]

For sale $4900 - runs good and fast, with new tires, need some cosmetic work to be A class.
1986 London Roadster Replica with a 1978 VW engine..

 

[Maricar19]

The month of April isn't coming out like a roller coaster...more of a convoluted water slide...I am just hoping that today will bring a big splash, a happy :beerchug:splash ...
View attachment 33519

[TABLE="class: grid, width: 193"]
[TR]
[TD]Fund[/TD]
[TD]Gain or Loss ($)[/TD]
[/TR]
[TR]
[TD]Total[/TD]
[TD]-$1,638.56[/TD]
[/TR]
[/TABLE]

 

[Maricar19]

Can somebody please enlighten me?
I have Vanguard Index 500 (VFINX), and I noticed that most of the time, if S&P 500 is up, VFINX is down or vice versa.
Aren't they supposed to be a mirror of each other?
I am confused! :scratchchin:

 

[userque]

Can somebody please enlighten me?
I have Vanguard Index 500 (VFINX), and I noticed that most of the time, if S&P 500 is up, VFINX is down or vice versa.
Aren't they supposed to be a mirror of each other?
I am confused! :scratchchin:

Make sure you are reading quotes for the same day, for each. Gotta link to the quotes from which you are reading?

 

[Maricar19]

Make sure you are reading quotes for the same day, for each. Gotta link to the quotes from which you are reading?

This is today's quotes from yahoo
View attachment 33565

 

[Maricar19]

By Dec 16, 2015-I'll have the required minimum 30 years of service and I already have the age, 57, to qualify for retirement.

Using the eRetirement calculator, it estimates that for every year that I stay longer in the service, I'll increase my monthly FERS annuity by $59.00 (not counting any pay increases).

I have been debating if it's worth to stay a few more years until I reach 62 years old, which will be year 2020.
Staying until 62 will approximately increase my FERS pension by almost $300.00 per month, but is it really worth it?
I guess when you look at it this way, it's worth staying a few more years.
Another advantage of staying is the extra 5% matching for my TSP for every year that I stay.

Will I still be healthy enough to enjoy my retirement by 2020 at 62 years old?
Will the retirement terms still be the same or will legislation change them to my disadvantage, e.g. 36 months high pay to 60 months high pay?
or increase our employee TSP contribution?
Will work conditions remain the same? Right now, they are discontinuing the telecommute or the Alternate work schedule options for our department.

Any more advantages/ disadvantages for staying for a few more years beyond the magic "30?"

 

[Maricar19]

Make sure you are reading quotes for the same day, for each. Gotta link to the quotes from which you are reading?

I get you, UserQeu, I guess when I check for the market quotes for the day, the C,S,I,F are updated every time there's a change, but not the market quotes for Nasdaq Mutual Fund, Vanguard. Looks like they get updated a few hours after market closes. The NYSE (WMT,CPB) gets updated. too.

 

[burrocrat]

By Dec 16, 2015-I'll have the required minimum 30 years of service and I already have the age, 57, to qualify for retirement.

Using the eRetirement calculator, it estimates that for every year that I stay longer in the service, I'll increase my monthly FERS annuity by $59.00 (not counting any pay increases).

I have been debating if it's worth to stay a few more years until I reach 62 years old, which will be year 2020.
Staying until 62 will approximately increase my FERS pension by almost $300.00 per month, but is it really worth it?
I guess when you look at it this way, it's worth staying a few more years.
Another advantage of staying is the extra 5% matching for my TSP for every year that I stay.

Will I still be healthy enough to enjoy my retirement by 2020 at 62 years old?
Will the retirement terms still be the same or will legislation change them to my disadvantage, e.g. 36 months high pay to 60 months high pay?
or increase our employee TSP contribution?
Will work conditions remain the same? Right now, they are discontinuing the telecommute or the Alternate work schedule options for our department.

Any more advantages/ disadvantages for staying for a few more years beyond the magic "30?"

the question you need to ask yourself about retirement is this: 3 years from now will it matter?

will it matter if i spent the last 1,000 days with my toes in the water and my ass in the sand?
will it matter if i carry a clipboard and continue to serve the machine?
will it matter if i have a full belly and some luxuries?
will it matter if i starve?

those are tough questions to answer. the good part about freedom and life's path is you get to decide how you walk it. that is about the only piece of advice i ever got that made sense. except for when my mom told me wear a condom, that has proven itself invaluable countless times in the last 30 years.