Search found 314 matches

by Loon11
Tue Jul 28, 2020 10:34 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 128
Views: 12741

Re: Older Women Lifting Weights

I'm 70 and do Bodypump 3 x weekly at my gym. Involves 45 min of various routines with weights - squats with bar, overhead presses, lunges, pushups, etc using all the major muscle groups. Other days of the week do cardio classes. Take one day off a week -feel like this is some insurance against getti...
by Loon11
Fri Jun 26, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102274

Re: Best CD rates thread

Discovered a 9 month CD at Nasa FCU that pays 1.5%. If opened this month, one has 10 days to fund, has a 10K minimum. I added funds via mobile app and bought 2 CDs - doubt if anything better will happen in the next few months.
by Loon11
Wed Jun 03, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One Bank bonus $450
Replies: 23
Views: 5089

Re: Capital One Bank bonus $450

interesting - just got email offer from CapOne with same offer but different dates for my empty money market 360 acct. Money must be in by June 30 and stay in til Sept. 28. The same offer - $50 k for $450, etc. But the money market has now dropped to 1% for > 10K or .5% for less. Still not bad, pull...
by Loon11
Fri May 29, 2020 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: How to get IRS forms for completing 1099-NEC
Replies: 1
Views: 147

How to get IRS forms for completing 1099-NEC

Anyone have a clue how to get these forms from the IRS? I know its only end of May but thinking of taxes and having to send out 1099-NEC to contractors for my rental. They don't offer any hints as to when they can be ordered, only that one cannot print them from the internet, they must be original f...
by Loon11
Fri May 29, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Carolina/Virginia Summer Vacation
Replies: 56
Views: 3032

Re: Carolina/Virginia Summer Vacation

the Hilton Garden in Kitty Hawk is oceanfront and very nice. There are lots of places to stay with pools from Southern Shores, Kitty Hawk, Kill Devil Hills on down south. Jockey Ridge State Park is lots of fun for kids, our son loved in growing up, rolling down the hills, watching the kites, sunsets...
by Loon11
Sun May 10, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 572
Views: 148534

Re: Pull-ups and Push-ups

really miss the gym and hope they open soon. In the meantime, been doing HIT at home - pick some from Utube or LesMills - take the laptop out to the porch and do them simultaneously with the program - usually 25-30 min of intense exercise, alternate that with walking every other day. Most of these w...
by Loon11
Thu Apr 30, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2021
Views: 216555

Re: [What TV Show Have You Recently Watched?]

anyone watching "After Life" by Ricky Gervais? it's really good.
by Loon11
Thu Apr 30, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20672

Re: Bird watchers – what birds are you seeing?

sevenseas: you rehydrate the dry mealworms? I have a couple of bags of dry mealworms and no one is that excited about eating them - put them out for the bluebirds but they don't seem to eat them. Are they supposed to be rehydrated? maybe that's the problem. Seems every time I do my "birdwork" in the...
by Loon11
Sun Apr 26, 2020 9:43 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20672

Re: Bird watchers – what birds are you seeing?

MP173 - me too! My robin made a big nest right in the wreath and I have a door with glass too. We are forbidding ourselves from opening the door since she's on eggs and we don't want to disturb her. I was surprised a robin would choose so close to the house. the next appeared overnight and has lots ...
by Loon11
Tue Apr 14, 2020 6:47 pm
Forum: Personal Investments
Topic: recommendation for IRA rollover to vanguard
Replies: 8
Views: 547

Re: recommendation for IRA rollover to vanguard

Thanks lakpr - I think I'll keep it simple and go with VFIAX. appreciate the explanation of ETFs.
by Loon11
Tue Apr 14, 2020 2:36 pm
Forum: Personal Investments
Topic: recommendation for IRA rollover to vanguard
Replies: 8
Views: 547

Re: recommendation for IRA rollover to vanguard

Thanks Eagle - I just opened the settlement account last May so not sure if its new or old. Looking at the research, looks like there isn't much difference in VFIAX and VOO - is there an advantage I'm not seeing? I doubt if I would be doing much trading in the Roth. Just waiting for the money to lan...
by Loon11
Mon Apr 13, 2020 10:02 pm
Forum: Personal Investments
Topic: recommendation for IRA rollover to vanguard
Replies: 8
Views: 547

Re: recommendation for IRA rollover to vanguard

lakpr: Thank you for the portfolio analyzer. Just finished "playing" with it and really appreciate your sharing. Now I see the wisdom of changing out of Wellington and splitting the balance. I plan to do a 50/50 split with VFIAX and VBTLX (which I already have but nothing is in it). If vanguard allo...
by Loon11
Mon Apr 13, 2020 2:29 pm
Forum: Personal Investments
Topic: recommendation for IRA rollover to vanguard
Replies: 8
Views: 547

Re: recommendation for IRA rollover to vanguard

Thanks for your comments. I am sorry I didn't clarify - I am transferring what I can from a 401 taxable at tsp so I can move it to a roth. Just rolling over $25K which is what I think I'm safe with as far as IRMAA for 2020 taxes. I wish I had a roth in my tsp but don't so trying to move what I can b...
by Loon11
Mon Apr 13, 2020 11:32 am
Forum: Personal Investments
Topic: recommendation for IRA rollover to vanguard
Replies: 8
Views: 547

recommendation for IRA rollover to vanguard

In this crazy time, looking for a recommendation from fellow BH for which fund to transfer my tsp rollover to - I currently have Wellington and since it is mostly in stocks, thought a better choice might be another fund for now. The $20K rollover will first go into my Rollover IRA, then I plan to im...
by Loon11
Wed Apr 08, 2020 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: Dual State income tax question
Replies: 0
Views: 150

Dual State income tax question

Wonder if anyone has a similar situation. Own rental property in a neighboring state which this past year was not profitable. NC state taxes requires me to do a fairly complicated tax return if I have income from all sources over about $25K. Also states I must send in my home state tax return with S...
by Loon11
Tue Mar 24, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 1134
Views: 117394

Re: Why are you NOT buying rental properties?

Been landlady since 1987 - a duplex intown, hot location, and a 4 bedroom house in another state - coastal. Can't say I enjoy landlording but it has been a great investment (except this past year on the coastal - hurricane and 12 yr tenant moving, leaving lots of deferred maintenance). Have just hir...
by Loon11
Thu Feb 06, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Physician assistant salary?
Replies: 39
Views: 7669

Re: Physician assistant salary?

suggest looking into NP or PA at a Veterans Hospital. NPs in Northeast up to about $150K and PAs salary is generally a grade 12. Rumors are that next year will get a 3.5% raise
by Loon11
Wed Jan 22, 2020 11:36 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 2943

Re: Costco Optometrist vs Independent Office Eye dr

+1 for optometrists for glasses. Used Costco's and they were fine. Dilated and noted cataracts. Went to ophthal for cataracts, they did refraction and it was off. Had to go back to glasses prescribed by Costco. For simple glasses and screening, an optometrist is just fine. For glaucoma, cataracts, o...
by Loon11
Mon Jan 20, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 70 if you filed and suspended
Replies: 12
Views: 1623

Re: Social Security at 70 if you filed and suspended

will be 70 in March and called and verified that it was automatic after filing and suspending at age 66. The form w4v is downloadable online. Was told to wait until I get benefits to file the w4v to take out tax because if they get the form early, may cause confusion. They also indicated that my Par...
by Loon11
Thu Jan 02, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Home Before Retirement
Replies: 27
Views: 3182

Re: Vacation Home Before Retirement

my vote is hold off. we bought land and built a house in our coastal retirement dream place but ended up renting it out long term. Things change and now we don't want to live there in retirement. As others have said, you can rent a whole lot of weeks, or months for 60K and not have the possible head...
by Loon11
Wed Dec 25, 2019 10:41 pm
Forum: Personal Investments
Topic: Sell rental property or keep it
Replies: 34
Views: 2035

Re: Sell rental property or keep it

I think if you have only been renting it for a year, you don't have to claim it as an investment property, thus pay depreciation, capital gains, etc. I would sell before you have to do recapture, etc. We have 3 units and am getting tired of landlording but selling would be huge in capital gains, put...
by Loon11
Wed Dec 25, 2019 5:04 pm
Forum: Personal Investments
Topic: contribute to Roth or do TSP to roth conversion
Replies: 4
Views: 392

Re: contribute to Roth or do TSP to roth conversion

Thank you for your responses. I did the recommended and projected income after RMD in 2022 (new RMD date for me). With no income from working and including SS and pension (at today's rate), income including div, int and rent will be appox $178. This year we went over the cliff by $1500 and must pay ...
by Loon11
Sun Dec 22, 2019 3:00 pm
Forum: Personal Investments
Topic: contribute to Roth or do TSP to roth conversion
Replies: 4
Views: 392

Re: contribute to Roth or do TSP to roth conversion

something I didn't make clear. My Roth is with Vanguard - I don't have a dual tsp.
by Loon11
Sun Dec 22, 2019 2:59 pm
Forum: Personal Investments
Topic: contribute to Roth or do TSP to roth conversion
Replies: 4
Views: 392

contribute to Roth or do TSP to roth conversion

Wondering if this question even makes sense. Now that the SECURE act was passed, I don't have to do RMDs until 2022 (was born in 1st half of 1950). This gives me the opportunity to continue working (one day a week) and thus the ability to do a contribution to my Roth in 2020. I will have more room t...
by Loon11
Sat Dec 14, 2019 6:37 pm
Forum: Personal Consumer Issues
Topic: Furnish washer in rental house?
Replies: 14
Views: 1297

Re: Furnish washer in rental house?

Thanks everyone for your responses. I called the tenant and offered $200 off her last rent and they were happy with that - with the caveat that if she gets a higher offer from anyone, I'd understand. I did check craiglist and thought $200 was fair for a 5 yr old washer. The dryer is mine so just the...
by Loon11
Sat Dec 14, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Furnish washer in rental house?
Replies: 14
Views: 1297

Furnish washer in rental house?

Looking for advice on this situation. Own a long term rental house in NC - have had same tenants for 12 yrs who are leaving in Jan and will need to re-rent Feb. the house had a w/d originally, the tenants bought a new washing machine 5 yrs ago due to mine dying. Its a nice Maytag. There is a space f...
by Loon11
Sat Nov 09, 2019 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102274

Re: Best CD rates thread

I was trying to set up an ach with Marcus and was told by Marcus they wire for free so did that instead on Friday. Did it really end? I was going to put more in when another CD matures. Sorry to hear this.
by Loon11
Sun Nov 03, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102274

Re: Best CD rates thread

Kevin, I'm a bit confused about ACH transfers. I was told by CSR that there was a $25K limit for new customers. If I linked the new account to Vanguard or other bank and initiated the transfer to PSECU, would they take the funds? Maybe the CSR was referring to an ach on their end. also, you mention ...
by Loon11
Sun Nov 03, 2019 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102274

Re: Best CD rates thread

aida203 - you must've added another account (for your spouse) which triggered the request for two $15 deposits. I backed out and restarted the process for just myself (spouse can join later without the P&R membership) - which caused two pending applications.
by Loon11
Sun Nov 03, 2019 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 776
Views: 102274

Re: Best CD rates thread

tried opening an account this weekend and did fine. My DH wanted one too so I put in his info, then he decided to wait. So I clicked back and then it logged me out, so I started the process again. then I saw that I had two pending file #s. Not wanting two, I called and was transferred to new account...
by Loon11
Thu Oct 10, 2019 9:38 pm
Forum: Personal Investments
Topic: Question for Landlords re 199a as business
Replies: 6
Views: 660

Re: Question for Landlords re 199a as business

Thanks - Spirit Rider - I opted out of the safe harbor option due to the fact that the out of town property did not meet the needed hrs spent on management. Plus the option said once done, was permanent. I have separate accounts for each property and also keep all receipts and records of time spent....
by Loon11
Wed Oct 09, 2019 10:08 pm
Forum: Personal Investments
Topic: Question for Landlords re 199a as business
Replies: 6
Views: 660

Question for Landlords re 199a as business

I have a rental duplex I consider a business and am planning on using the 20% deduction this year. We have been tracking our hours and the hours of contractors and are going to meet the 250 hrs. we also have a rental property out of town which doesn't require 250 hrs of our time. Is it OK to just cl...
by Loon11
Wed Oct 09, 2019 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Premiums when collecting Social Security benefits
Replies: 7
Views: 1224

Re: Medicare Premiums when collecting Social Security benefits

similar situation here. I pay quarterly premiums for medicare B and will start taking my suspended social security in March 2020 (first check will come mid April according to them) However, my quarterly premium will pay for Feb,Mar and April. I did not want to rely on them to get my refund and amoun...
by Loon11
Wed Oct 09, 2019 9:39 pm
Forum: Personal Investments
Topic: Possibility of reducing MAGI with recharacterization
Replies: 2
Views: 359

Re: Possibility of reducing MAGI with recharacterization

My apologies!! Please disregard the question - I realized this cannot be done - any deduction for an IRA would be added back into income so it would not help to reduce MAGI. Sorry for my confusion, or rather my wishful thinking of ways to reduce modified income.
by Loon11
Wed Oct 09, 2019 9:20 pm
Forum: Personal Investments
Topic: Possibility of reducing MAGI with recharacterization
Replies: 2
Views: 359

Possibility of reducing MAGI with recharacterization

Just read another thread where someone indicated one can recharacterize a Roth contribution done in 2018 up until Oct. 15, 2019. I am sure we will be over the 170K limit for Irmaa. My taxes were MFJ and our AGI was 169500 for 2018. I thought we would be OK but we had $6K in tax exempt bond dividends...
by Loon11
Sun Aug 04, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: Problems with Samsung Refrigerator - Boglehead fix?
Replies: 12
Views: 1160

Re: Problems with Samsung Refrigerator - Boglehead fix?

Hi-don't have that model but have a double door Samsung which started not cooling on the refrigerator side. Could not find an appliance guy who would work on Samsungs - all said they can't get parts or other reasons. Anyway, one of the repair guys said it could be ice frozen on the coils - it had be...
by Loon11
Tue Jul 23, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: [Marcus Savings Account - Interest rate is now 1.7%]
Replies: 193
Views: 25454

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Also took $50K from Treasury fund and sent to primary bank already linked to vanguard. It has left Vanguard and will probably land in my primary bank tomorrow. Started the process with Marcus to link to my primary bank and as soon as my primary gets the microdeposits, will transfer to Marcus. Hoping...
by Loon11
Wed Jul 10, 2019 9:01 pm
Forum: Personal Investments
Topic: Has anyone recently transferred shares from Computershare to Vanguard?
Replies: 27
Views: 4600

Re: Has anyone recently transferred shares from Computershare to Vanguard?

good luck. I started transferring my Computershare stocks to Vanguard but it got very confusing and I was told wrong info. So I decided to transfer them to Fidelity (where I have a small fund). It was painless and they took care of everything - all I had to do was upload my stock statement. I also t...
by Loon11
Thu Jun 20, 2019 9:29 pm
Forum: US Chapters
Topic: Richmond, VA Area Local Chapter
Replies: 82
Views: 14286

Re: Richmond, VA Area Local Chapter

possibly works for me - work on Tuesdays so if not too late or far....
by Loon11
Mon Jun 03, 2019 8:19 pm
Forum: US Chapters
Topic: Richmond, VA Area Local Chapter
Replies: 82
Views: 14286

Re: Richmond, VA Area Local Chapter

Hi - just seeing this as well, live in Bon Air. May be able to meet - but sounds like the 25th may not work for a lot of folks. Will PM and get on board for updates. Great!
by Loon11
Sat May 25, 2019 8:13 pm
Forum: Personal Consumer Issues
Topic: Relocate to Charleston SC?
Replies: 57
Views: 6385

Re: Relocate to Charleston SC?

Love Charleston! but between weather, access and price, would opt for something more inland. Richmond Virginia has a less brutal summer and is between the coast and the mountains, economy is busting and lot of job opportunities, housing in town is higher than surrounding counties - pretty decent air...
by Loon11
Sat May 25, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace GE Profile Cooktop with downdraft
Replies: 10
Views: 775

Re: Repair or Replace GE Profile Cooktop with downdraft

Rick - right, Ive been there and done that (starting a DIY and ending up more expense than if I hadn't) Great Point Watty - hadn't even thought about liability. I am just going to get it fixed and hope it lasts a while. If and when these tennts leave and I have access, may change the kitchen but loo...
by Loon11
Sat May 25, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace GE Profile Cooktop with downdraft
Replies: 10
Views: 775

Re: Repair or Replace GE Profile Cooktop with downdraft

Rick - would attempt a DIY as we have learned so much on Utube but we are 180 miles away. the other option is doing nothing - the tenants said they were using an electric skillet for the 2 burners not working. Could cancel the whole thing - might be best option!
by Loon11
Sat May 25, 2019 1:01 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace GE Profile Cooktop with downdraft
Replies: 10
Views: 775

Re: Repair or Replace GE Profile Cooktop with downdraft

Even though the code doesn't require venting, this island is in a great room and there is no other venting so I feel kinda stuck. A hood is out of the question since the ceiling is 22 ft high. There is a window over the sink but it's across the kitchen about 8 feet from the cooktop. A new one with d...
by Loon11
Fri May 24, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: Repair or Replace GE Profile Cooktop with downdraft
Replies: 10
Views: 775

Repair or Replace GE Profile Cooktop with downdraft

Had a high end (at the time - 2005) GE profile cooktop with downdraft (electric) installed in a newly build house which is a rental at the beach. Has done well for years but the tenants confessed that 2 of the burners are out. Called repairman (higher in this coastal town) and they said that the swi...
by Loon11
Tue May 21, 2019 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Completely freaked out about withdrawing from retirement accounts....
Replies: 75
Views: 11201

Re: completely freaked out about withdrawing from retirement accounts....

also retired in Dec. 2017, Fed pension, delaying SS til age 70. Still haven't touched retirement accounts - had money in checking and no real bills. Will be headed to RMD next year. Appreciate the posts who suggest automated monthly RMDs which makes sense. Agree it is very difficult to loosen the st...
by Loon11
Tue May 21, 2019 8:50 pm
Forum: Personal Investments
Topic: TSP Partial Rollover to Vanguard IRA
Replies: 7
Views: 715

Re: TSP Partial Rollover to Vanguard IRA

Thanks everyone - got a msg today that Vangard have fedex'd the form to me - i was premature in worrying. Will be sending everything to TSP now--will wait til further this year to try to estimate income and determine if we have any more room for another rollover. It would be great if the MAGI income...
by Loon11
Mon May 20, 2019 9:48 pm
Forum: Personal Investments
Topic: TSP Partial Rollover to Vanguard IRA
Replies: 7
Views: 715

Re: TSP Partial Rollover to Vanguard IRA

Thanks Alan. I tend to get anxious so I will give it more time. Yes, I plan to convert to Roth after the rollover is complete and if there is any more room, do another after Sept. 15 when TSP will allow. I used a calculator recommended on this forum (mortgage calculator) to estimate this year's inco...
by Loon11
Mon May 20, 2019 9:12 pm
Forum: Personal Investments
Topic: TSP Partial Rollover to Vanguard IRA
Replies: 7
Views: 715

TSP Partial Rollover to Vanguard IRA

Wondering if I should worry: Trying to do a partial rollover from my TSP 401K account. TSP requires a notarized form signed by my spouse and myself (which I did over a week ago). TSP also requires a signed form from Vanguard indicating the rollover IRA account #. Its been over a week since I sent Va...
by Loon11
Sat May 11, 2019 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 2075

Re: Fed Employee/Retirement Issues

Retired 12-31-18, first check came Feb. 1st, estimate. Our agency has a retirement center (located in Salisbury, NC) that handles estimates. I was assigned a retirement specialist who sent me a package to fill out, very straightforward. It was not difficult - my specialist was readily available for ...