Search found 154 matches

by Loon11
Tue May 24, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449960

Re: What Book Are You Currently Reading? Part VI

Just finished the Corrections by Jonathan Franzen. Great book
by Loon11
Thu May 19, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: drawing down TSP - most tax efficient
Replies: 1
Views: 294

drawing down TSP - most tax efficient

I am still a Fed worker but now parttime - probably will go out end of year. Every time I read the options for TSP withdrawal I glaze over. Is letting tsp figure the monthly amount based on IRS life tables the most tax efficient way? There is a 10 yr option? Also, will they figure out what your RMD ...
by Loon11
Thu May 19, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Health Care fund - is it time to move out?
Replies: 9
Views: 979

Re: Health Care fund - is it time to move out?

Thank you both. I should know better - its just I have too much in that sector. will watch it for now but consider moving it to an index or maybe a target retirement.
by Loon11
Thu May 19, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Health Care fund - is it time to move out?
Replies: 9
Views: 979

Health Care fund - is it time to move out?

got a Roth with VGHCX - been great in the past but who knows what will happen in health care. Been steadily dropping all year. Wondering if I should exchange it for Balanced Index or Wellesley, my other Roths.
by Loon11
Fri Apr 22, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Specialists Looking for career advice
Replies: 42
Views: 5208

Re: Physician Specialists Looking for career advice

get a position in a VA Medical Center. the specialists don't do primary care. You will have a pension and benefits and can contribute to the TSP, best 401K in the country.
by Loon11
Wed Apr 20, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447638

Re: What Movie Have You Recently Watched?

recently re-watched "Wag the Dog" with DeNiro - great and much better than I remembered - funny how prophetic it is.
also recommend a netfix series entitled "The Straits" - an Australian series - too bad it didn't go beyond the 10 episodes but really great.
by Loon11
Mon Dec 21, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447638

Re: What Movie Have You Recently Watched?

not exactly a movie, but Homeland, Season 4, is great!
by Loon11
Mon Dec 21, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: Share how you like to vacation
Replies: 113
Views: 10560

Re: Bogleheads: Share how you like to vacation

Two cruises a year combined with a stay somewhere cool in Fla. Loved Anna Marie Island, then on to Tampa for a cruise. Feb will be staying in the Keys, then up to Ft Lauderdale for another cruise. Will take kayaks and explore the Keys. Between cruises, we go to our cabin at the foot of the Shenandoa...
by Loon11
Mon Dec 21, 2015 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: FERS - how does parttime affect pension
Replies: 4
Views: 751

Re: FERS - how does parttime affect pension

Note to timerunner - this was so helpful. Read thru it and found out what I needed to know. I even called the Retirement Specialty Center and essentially learned that working would help in the long run - mainly because my high 3 will be higher (we got a nice raise 18 mo ago) and even though I am wor...
by Loon11
Mon Dec 21, 2015 9:28 am
Forum: Personal Finance (Not Investing)
Topic: FERS - how does parttime affect pension
Replies: 4
Views: 751

Re: FERS - how does parttime affect pension

timerunner - thanks a lot! You sure sound like a pro HR. Will read up. I am a VA employee so I will need to find that special notation you mentioned. I appreciate your thoughtful response and will download the OPM info. What I hope to learn is that continuing to work won't, in the long run, result i...
by Loon11
Sun Dec 20, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: How long do used cars typically last?
Replies: 53
Views: 4596

Re: How long do used cars typically last?

Wow - we have old hondas that won't die. A 1993 accord with 152K, a 1987 accord with 115K, a 1986 civic wagon with 250K. These no longer have tax since they are all > 20 yrs and they all run great. don't need them but since they cost so little and will being in so little, its great to have reliable ...
by Loon11
Sun Dec 20, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: FERS - how does parttime affect pension
Replies: 4
Views: 751

FERS - how does parttime affect pension

Do any of the Boglehead current or retired fed employees know how going parttime affects one's pension? I went parttime (31 hrs per pp) about 15 months ago and like working less. Have 25+ yrs now with and know that they take the total full time hrs and divide that by the # hrs I work to get a ratio....
by Loon11
Sun Dec 20, 2015 9:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 199
Views: 20689

Re: Roll Call for the Retirement Class of 2016!

down to half time and seriously thinking about pulling the plug come this summer May 2016 (will be 66)
by Loon11
Thu Nov 12, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Family Max Benefit SS
Replies: 8
Views: 895

Re: Family Max Benefit SS

Thanks dodehedron! I was not aware of that - I was thinking that the FMB was family total and you clarified this as well. We should be OK - thanks again
by Loon11
Thu Nov 12, 2015 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Family Max Benefit SS
Replies: 8
Views: 895

Family Max Benefit SS

When the SSA lists a maximum family benefit - is this the maximum monthly amount that will ever be paid for a couple? My PIA in Mar 2016 is $2290. Our strategy: husband is low earner and now receiving his own PIA but will switch to spousal benefit ($1145) after I file and suspend in March 2016. Assu...
by Loon11
Thu Nov 05, 2015 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 470
Views: 50483

Re: Changes to Social Security

Thank you Thank you!! I was really worried there. We were counting on this and sighing relief that we should be fine since wife will be 66 in March. I'm just imagining what chaos there will be at that time with millions trying to get this done before the deadline. Will definitely go there in person....
by Loon11
Thu Nov 05, 2015 10:33 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 470
Views: 50483

Re: Changes to Social Security

sorry for the confusion - husband did not receive his benefit early - he filed at age 66 FRA in 2015. Has been receiving his for one year. His benefit is $500 and hers will be $2290. We were thinking his would increase to $1145 which is one half of hers after she files and suspends in Mar 2016. I th...
by Loon11
Thu Nov 05, 2015 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 470
Views: 50483

Re: Changes to Social Security

Thanks so much Mike. Question for Travel for fun: Help me here. I thought husband's SS payment would be increased to one-half of the higher earner's PIA. Let's say he is now receiving $500 on his benefit. Once she files at her FRA in March 2016, her FRA benefit is $2290. Won't he be eligible for $11...
by Loon11
Thu Nov 05, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Changes to Social Security
Replies: 470
Views: 50483

Re: Changes to Social Security

I think I have it but would really appreciate a confirmation. Wife will be age 66 in Mar 2016 Husband already FRA and receiving benefits on his record (low earner) age 66 now Plan: wife will file and immediately suspend. Husband then can file for the higher benefit (1/2 of wife's higher PIA) Wife ca...
by Loon11
Tue Apr 14, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Help with Landlord Insurance for NC investment property
Replies: 2
Views: 403

Re: Help with Landlord Insurance for NC investment property

Thanks pshonore! Perfect information. I will keep my DP3.
by Loon11
Mon Apr 13, 2015 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Landlord Insurance for NC investment property
Replies: 2
Views: 403

Help with Landlord Insurance for NC investment property

Hello Bogleheads. Hoping for your expert help once again. I am about to pay for a fire policy for a NC coastal home we own. We already have to pay $1503 to the NC state fund to cover hurricane, $500 for flood and now another $1026 for fire insurance (does not include contents since these belong to t...
by Loon11
Wed Feb 25, 2015 9:35 pm
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

Re: how best to supplement heat with heat pump

tadamsmar - good point about the filters. He just bought 3 new ones and I had given them some this summer. I hope he didn't burn out the aux although I suppose that may be possible. He sent me the receipt for the filters and I reimbursed him so I assume he changed it. Will check on that
by Loon11
Wed Feb 25, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

Re: how best to supplement heat with heat pump

I called the HVAC guy and he was going to try to come and test it but he didn't make it (he's slammed due to this cold snap). But he confirmed that the tenant should NOT be switching emergency heat on and off. He also told me we could retrofit the heat pump with more heat strips but he put in 5KW wh...
by Loon11
Sun Feb 22, 2015 11:25 pm
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

Re: how best to supplement heat with heat pump

just heard back from the tenant who told the following was the history of what happened. So I have told him to not turn on Em heat and I believe the aux should be automatic. I am calling the HVAC guy tomorrow but I am wondering why the emergency heat failed (he said he had it on emergency and woke u...
by Loon11
Sun Feb 22, 2015 2:37 pm
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

Re: how best to supplement heat with heat pump

Thanks wageoghe, for your thoughtful post. Yes, I probably do need more insulation. We had the duplex renovated 18 months ago and are finding lots of things that weren't done right. While the windows were replaced, the contractor apparently didnt insulate well in the crawl space - in fact, this past...
by Loon11
Sun Feb 22, 2015 2:21 pm
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

Re: how best to supplement heat with heat pump

Drawpoker: would love to know how the heatpump was retrofitted for gas hybrid. I do have natural gas to the duplex but cut off by the city; the gas meters are still back there but locked. Last year I believe I called around and found that a hybrid system is very expensive, maybe they are less so now...
by Loon11
Sun Feb 22, 2015 11:29 am
Forum: Personal Consumer Issues
Topic: how best to supplement heat with heat pump
Replies: 49
Views: 4606

how best to supplement heat with heat pump

I always use this forum for research and appreciate all the expert advise from everyone. My latest question concerns my rental duplex which we renovated 2 yrs ago, taking out the old gas radiators and converting to heat pump duct heat. This winter has been brutal, even in Richmond Virginia and the h...
by Loon11
Sat Feb 21, 2015 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: has DFAS reported Fed Income to SSA for 2014?
Replies: 4
Views: 605

Re: has DFAS reported Fed Income to SSA for 2014?

makes perfect sense! Thanks Spectec
by Loon11
Fri Feb 20, 2015 9:31 am
Forum: Personal Finance (Not Investing)
Topic: has DFAS reported Fed Income to SSA for 2014?
Replies: 4
Views: 605

Re: has DFAS reported Fed Income to SSA for 2014?

Thanks Beth. I'm sure you're right.
by Loon11
Thu Feb 19, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: has DFAS reported Fed Income to SSA for 2014?
Replies: 4
Views: 605

has DFAS reported Fed Income to SSA for 2014?

I'm a fed employee and checked my SSA earnings last nite and the 2014 fed salary has not been posted. I have a parttime job elsewhere at another hospital which was posted. I called my HR and they had no idea but figured it probably hasn't been sent in to SSA yet. I tried calling DFAS but that was ve...
by Loon11
Sat Oct 18, 2014 10:16 pm
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 8163

Re: Anyone cancelling travel plans?

Right countofmc - how to tell if someone has norovirus vs ebola? I'm sure Cozumel would say "no" to docking if anyone on board was vomiting - might result in 21 day quarantine in small cabin. I love the "bring your own serving spoon" suggestion - great idea. If we go, sure will d...
by Loon11
Sat Oct 18, 2014 1:00 pm
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 8163

Re: Anyone cancelling travel plans?

Thanks everyone! we are going to pick up a supply of wipes, hand sanitizer, and limit bathroom use to our cabin for starters.
And...if the bottom falls out between now and Nov. 29, we will stay home.
by Loon11
Sat Oct 18, 2014 10:11 am
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 117
Views: 8163

Anyone cancelling travel plans?

We are booked for a cruise Nov. 29 and frankly, we are wondering if its a good idea to be on a cruise ship with the current epidemic scare. We realize its a tiny probability, but still....being in a closed ship with several thousand strangers not knowing if there is a lurking contagion. Are we being...
by Loon11
Sun Aug 03, 2014 9:47 pm
Forum: Personal Consumer Issues
Topic: propane prices super-low
Replies: 5
Views: 864

Re: propane prices super-low

just paid 3.19 in central virginia. had to use the vendor owning the tank. had called around - 2.89 was best price.
by Loon11
Mon Mar 24, 2014 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Help on new IRS guidelines on Repair for Rental
Replies: 0
Views: 221

Help on new IRS guidelines on Repair for Rental

I just finished my taxes but have not submitted. I am worried after reading about the new 2013 regs for repairs. we did a huge renovation of a duplex in 2013 and will end up with a big refund for the first time in many years. This is due to the 50% bonus depreciation for the new applicances, shed, f...
by Loon11
Mon Mar 24, 2014 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 5406

Re: Do you work part time in retirement?

starting parttime this week from full time. Want to tiptoe into retirement, don't think I can handle the huge change from working since age 17 to not going in somewhere. So about 20-24 hrs a week. wont' take out SS or my Fed Pension for a couple of years when I reach FRA 66. Not sure how this will b...
by Loon11
Wed Jan 22, 2014 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting 1099-Misc for IC payments
Replies: 5
Views: 458

Re: Reporting 1099-Misc for IC payments

really looks like the efile web site will be easy - will end up costing me $8.00 but sounds like its worth it. since it has to be the original form, only way I could do it would be to hand write it and I'm hesitant to do that. Thanks for this - believe it will save some headache. Also, I don't see w...
by Loon11
Wed Jan 22, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting 1099-Misc for IC payments
Replies: 5
Views: 458

Re: Reporting 1099-Misc for IC payments

Thanks for the link PaddyMac - will check it out. I had called and received the forms from the IRS which I will probably use, but by hand. If the website makes it easier, will definitely use.
by Loon11
Wed Jan 22, 2014 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting 1099-Misc for IC payments
Replies: 5
Views: 458

Re: Reporting 1099-Misc for IC payments

Thanks - I was afraid that was the answer. I hope not doing one last year doesn't cause any problems for me. The joys of owning rental property!!
by Loon11
Wed Jan 22, 2014 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Reporting 1099-Misc for IC payments
Replies: 5
Views: 458

Reporting 1099-Misc for IC payments

Question for the bogleheads that understand taxes! I paid my contractor a total of 103500 for a major renovation for a rental property. When gathering my records to send him a 1099-Misc I realized that the first payment of $50K was actually paid to him in Dec. 2012 with subsequent payments totalling...
by Loon11
Mon Jan 20, 2014 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: withdrawing from TSP
Replies: 2
Views: 473

Re: withdrawing from TSP

Thanks Jimb.
I am still with the Feds, keeping my job but cutting back my hrs. I should have known this - makes sense. I am 64.
Getting a bit nervous about the 50% decrease in salary. We'll see.
by Loon11
Fri Jan 17, 2014 10:21 am
Forum: Personal Finance (Not Investing)
Topic: withdrawing from TSP
Replies: 2
Views: 473

withdrawing from TSP

This question is probably evident to everyone (except me) - I am a federal worker who is cutting back to about half time this year and may work for several years to come - about 16 hrs a week. I am wondering if one can withdraw from the TSP prior to full retirement? Getting worried that may be crunc...
by Loon11
Wed Jan 15, 2014 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Form 1099
Replies: 3
Views: 313

Re: Help with Form 1099

done, thanks Tom37. Thanks OAG - if its just a form to send in with the copies of the 1099, not that big a deal. the instructions aren't that clear. the other thing is I don't have a typewriter and not sure how I can type these 1099s - I will probably just print them. Hope that's OK. the forms have ...
by Loon11
Wed Jan 15, 2014 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Form 1099
Replies: 3
Views: 313

Help with Form 1099

I am supposed to file a 1099-Misc for what I paid my contractor in 2013 (around 100K) as well as another consultant (for renovating a rental property). Never done one before. got the instructions but this form 1096 annual Summary and Transmittal of returns. Not sure what I am supposed to do with it....
by Loon11
Tue Dec 03, 2013 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Drawing from TSP
Replies: 2
Views: 326

Re: Question on Drawing from TSP

Thanks! just read that. I have no Roth tsp but do have roth iras in vanguard.
by Loon11
Tue Dec 03, 2013 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question on Drawing from TSP
Replies: 2
Views: 326

Question on Drawing from TSP

I will be retiring within the next couple of years and have gone parttime starting in 2014. Being a federal employee, have a TSP account. I would like to know other bogleheads' strategies on taking out funds from the TSP. Not completely knowing all the rules on RMD - wouldn't it be best to use tsp f...
by Loon11
Thu Oct 24, 2013 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (again)
Replies: 7
Views: 1004

Re: Long Term Care (again)

Thanks Gerry. Va does offer a credit but only in the first few years. It does come up on turbo for virginia.
by Loon11
Wed Oct 23, 2013 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (again)
Replies: 7
Views: 1004

Re: Long Term Care (again)

Thanks Honobob and everyone! Gerry - that's a good plan too - if I'm not too out to lunch and make it into my 80's, I'll reduce it to 5 yrs (or my caregiver can:) Otherwise, I'm holding onto it. Honobob you really put it in perspective. My policy has the same coverage for my spouse and myself so its...
by Loon11
Tue Oct 22, 2013 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care (again)
Replies: 7
Views: 1004

Long Term Care (again)

Trying to make a decision about whether to reduce my LTCi benefits, appreciate feedback. I have a dual policy (self and spouse) purchased in mid 50's (now age 63, spouse 64). I am nearing retirement, maybe next year. we have total assets around 1.5 million not counting real estate (2 rentals, 2 home...
by Loon11
Tue Sep 24, 2013 11:57 am
Forum: Personal Finance (Not Investing)
Topic: how to handle tax on a rental sale loss
Replies: 6
Views: 734

Re: how to handle tax on a rental sale loss

Thanks all! I did realize I had a big profit on the original sale and now wish I had just paid it, and avoided the 1031 lots. At least then I would have had something from the sale. Now I have 2 lots that won't sell and I have an annual tax bill on each. But maybe in years to come they will apprecia...

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