Search found 205 matches

by Loon11
Mon Jul 16, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating DRIP stocks
Replies: 5
Views: 439

Re: Help with consolidating DRIP stocks

starting to think that maybe I can leave well enough alone and never sell anything. My son will inherit at high basis - I'll tell him to sell then:)
by Loon11
Mon Jul 16, 2018 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating DRIP stocks
Replies: 5
Views: 439

Re: Help with consolidating DRIP stocks

hadn't considered that - I think its a total of around 100K. Probably not enough for them to get excited about. I do have a little in Fidelity and TD Ameritrade so may ask them. But my goal is to consolidate - don't expect to make anything just hoping not to have to pay a bunch of fees to transfer o...
by Loon11
Sun Jul 15, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with consolidating DRIP stocks
Replies: 5
Views: 439

Help with consolidating DRIP stocks

Wondering if anyone has done what I'm thinking of doing. I began buying blue chip stocks years ago just starting to get into some investing. I purchased all of them online thru netstockdirect or something similar for the dividend reinvestment - mostly pharm, exxon, P&G, dominion, J&J, etc so that no...
by Loon11
Mon Jul 09, 2018 10:35 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3279

Re: Any kayakers here?

Lucky to live near the mighty James River and kayak frequently - haul them on top of car racks, husband made wooden rack bolted onto the yakima racks which cradle 2 kayaks easily. Spouse loves his Pungo and I have a Dagger. We keep a couple more at our cabin. Found them all used and can't imagine a ...
by Loon11
Mon Jul 09, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed or Navy Federal?
Replies: 30
Views: 2123

Re: PenFed or Navy Federal?

I've had Pen Fed for several yrs now and happy with their credit cards. I initially had a points credit card - and last year switched to their 2% for everything credit card with no annual fee which I really like. I needed to open a checking account and keep $500 in it. Whenever I have $25.00 cash re...
by Loon11
Thu Jun 21, 2018 12:38 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2715
Views: 532393

Re: What's Your Credit Card Rewards Strategy?

Thanks Zinco - that's exactly what happened and will just keep the old cards hidden away. I think I still have an old Penny's card from 20 yrs ago and never used. My credit score explanation also said I had no loans and that was a reason. one would think not having installment loans would be a good ...
by Loon11
Thu Jun 21, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Retirement implications
Replies: 23
Views: 1544

Re: Investment Help Retirement implications

I called the DFAS customer servce phone # on our paystubs. they required a letter and a copy of my drivers license to comply. they sent me a CD which had all the payment info - 600 pages so it is a lot to get through. I converted it to a pdf and sent it by email to my assigned OPM specialist. she wa...
by Loon11
Tue Jun 19, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2715
Views: 532393

Re: What's Your Credit Card Rewards Strategy?

not a big churner but this year, cancelled my old capitalone spark and switched to Venture for $500 travel reward for $3000 spent in first 3 months. Will cancel it in a few months since it has a $95 annual fee - 2% on everything. My go to card is PenFed 2% cash back no annual fee. So far this year, ...
by Loon11
Tue Jun 19, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help Retirement implications
Replies: 23
Views: 1544

Re: Investment Help Retirement implications

your situation is somewhat similar to mine in that I too was afraid of "letting go" to retire, been saving since teens. One thing might be important - you are parttime right? I was parttime also for the last 4 yrs of my federal employment. I also worked many hours above and beyond my "tour of duty" ...
by Loon11
Sun Jun 10, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

Thank you Retiredjg and BL - I think I'm clear now - or a lot clearer! I'm calliing vanguard tomorrow and see how to get a transfer to IRA started. Likely will be total stock or the one with international in it since I have no international. I think I can be a little less conservative since so much ...
by Loon11
Sat Jun 09, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

If we are only allowed one tsp to roth currenty, my best bet is transferring a good amount to an IRA and converting as affording. Maybe that will change when the new rules come into play. I am still working prn and have enough compensation to make full contribution but not for 2018(already did max f...
by Loon11
Sat Jun 09, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

Thank you Earl Lemongrab...I don't know where I got the idea that I could not transfer tsp directly to Roth. I was thinking of a tax deferred rollover. so that will be the best route since I already have a Roth with Vanguard. I will need to wait to see how much I make this year so I won't push mysel...
by Loon11
Fri Jun 08, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

Thank you all again! I did not think about rolling over to a TIRA and just sitting on it - was thinking I should do it soon after rolling it over - so thanks for clarifying. I do not believe I can rollover directly to the Roth from the tsp, at least last time I checked the rule was tsp Roth IRA to r...
by Loon11
Fri Jun 08, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

Thank you FiveK - I didn't realize I could do it this year -will look into this. I will have less income in 2019 so may wait and see if it is deductible.
I won't be able to do but one withdrawal in my tsp until they change the rules I believe. appreciate the links also.
by Loon11
Thu Jun 07, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

one more clarification - my tsp is all taxable so in order to rollover to an IRA, then convert it to a roth, I have to own an IRA which I do not.
by Loon11
Thu Jun 07, 2018 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Re: Help with IRA eligibility question

sorry for the confusion. I am asking if I can open an IRA (I do not have one and believe I need one to do a rollover). Due to the fact that I had a very small FERS contribution by the govt for me in Jan 2018, does this mean I was deemed covered by an employee pension plan? Since I will make more tha...
by Loon11
Thu Jun 07, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with IRA eligibility question
Replies: 23
Views: 1410

Help with IRA eligibility question

I am considering whether to try to get some of my TSP into a Roth before I start RMDs. Currently age 68, just retired Dec. 31, 2017. My last paycheck from the Fed Govt was on Jan 12 for the pay period ending 1-6-18 (last physical day worked was Dec. 29, 2017. My last paycheck included my contributio...
by Loon11
Mon Jun 04, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: What are you doing with cash?
Replies: 82
Views: 10009

Re: What are you doing with cash?

In April, Discover Bank was offering $200 bonus for opening a savings (1.6% currently) with $25K (I think it was 25K minimum, that's what I deposited). I already had a credit card with them, so it was very easy to do this. Currently have too much cash in American Express, CIT, Marcus, Ally and just ...
by Loon11
Sat May 05, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: Medicare B IRMAA thresholds for 2019?
Replies: 8
Views: 1086

Re: Medicare B IRMAA thresholds for 2019?

to clarify, this pertains to a federal employee who did not elect to take Part B when first eligible. However, upon retirement from federal employment, I have an 8 month window to enroll without the 10% penalty. I am not sure if this only pertains to federal employment or across the board. I did not...
by Loon11
Fri May 04, 2018 9:27 pm
Forum: Investing - Theory, News & General
Topic: Medicare B IRMAA thresholds for 2019?
Replies: 8
Views: 1086

Re: Medicare B IRMAA thresholds for 2019?

whoops, thanks dodecadedron! I was referring to social security income which is very different. thanks for the clarification.
by Loon11
Fri May 04, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Medicare B IRMAA thresholds for 2019?
Replies: 8
Views: 1086

Re: Medicare B IRMAA thresholds for 2019?

Thanks - I had forgotten it was frozen thru 2019; actually 2020 is when I turn 70 but they look back 2 yrs so I have to be careful now. I will look into a Roth conversion - since I have tsp, will only be allowed one partial withdrawal until they change it. Hopefully, Vanguard can help me with this s...
by Loon11
Thu May 03, 2018 10:15 pm
Forum: Investing - Theory, News & General
Topic: Medicare B IRMAA thresholds for 2019?
Replies: 8
Views: 1086

Medicare B IRMAA thresholds for 2019?

Anyone want to predict if the income levels will rise or stay the same for Part B income thresholds in the future? I just retired in January 2018 and am thinking about our AGI in 2 yrs. I am a fed and haven't taken Medicare B as yet but plan to sign up before my 8 month deadline. What I am concerned...
by Loon11
Wed Mar 21, 2018 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations
Replies: 43
Views: 5191

Re: Credit Card Recommendations

PenFed 2% for everything and no annual fee - must have a checking account. Discover with its rotatingt 5% (currently gas, next month is groceries) Also Capital One Venture 2% on everything - currently offering $500 in travel for spending 3K 1st 90 days. No annual fee 1st yr, then $95 - likely will s...
by Loon11
Sat Feb 17, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17540

Re: Federal Retiree Health Care with/Medicare

replied before I read the rest of the posts. now I'm relieved and am going to check with them. might go ahead and sign up because I'm afraid we Feds might lose benefits in the future. Appreciate everyone checking!
by Loon11
Sat Feb 17, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17540

Re: Federal Retiree Health Care with/Medicare

Thanks for that. likely will influence our decision. I just assumed wrongly but may go with higher BCBS/other plan in future if we become less healthy.
by Loon11
Thu Feb 15, 2018 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 207
Views: 17540

Re: Federal Retiree Health Care with/Medicare

just retired from fed service Dec. 31 and it is my understanding that I have 8 months to decide to take medicare B without a penalty. Spouse is on my policy and we both have A. Since he is on my policy, he never took Medicare B either. He gets SS but I have suspended mine til 70. After reading all t...
by Loon11
Thu Jan 04, 2018 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 886
Views: 58824

Re: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]

just read some info and sounds to me like its great for us that own rental investment property as sole proprietors. don't know how it'll play out but sure does sound good to me so far.
by Loon11
Tue Jan 02, 2018 10:43 pm
Forum: Personal Consumer Issues
Topic: anyone installing a hybrid gas heat system for heat?
Replies: 5
Views: 516

Re: anyone installing a hybrid gas heat system for heat?

Thanks everyone. apparently, our cheapskate contractor talked me into the heat pumps as best choice for our area and I went along with it - we had to get AC in so seemed like the right choice. It is ducted - one air handler in crawlspace and one in the attic. the units have been checked again and ag...
by Loon11
Tue Jan 02, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: anyone installing a hybrid gas heat system for heat?
Replies: 5
Views: 516

anyone installing a hybrid gas heat system for heat?

Hi bogleheads. Hoping someone can give advice - been having an ongoing issue with my rental duplex not heating sufficiently in this deep freeze we are having. Briefly, used to have gas radiators but renovated and went w/ heat pumps (1.5 ton each unit for approx 700-800 sq ft ea) due to Virginia clim...
by Loon11
Mon Jan 01, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349809

Re: What are you up YTD? [Year To Date]

tsp with contributions: 10.94 (L2020 and contributions)
vanguard one yr 18.2 (wellington & stock index)
by Loon11
Mon Jan 01, 2018 10:41 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 101
Views: 7284

Re: Individual Stocks That Went Bust

Bombay
Nokia (still hoping it'll recover)
by Loon11
Mon Nov 06, 2017 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Retirement strategy to reduce future tax
Replies: 4
Views: 1076

Re: Retirement strategy to reduce future tax

Great point Watty. I had read something to that effect and mentioned it to my husband. I thought he could do something with the tsp after my death to prevent that from happening. Will check on this. If he isn't allowed to transfer or rollover the balance at my death, then this is a problem. Of cours...
by Loon11
Sun Nov 05, 2017 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement strategy to reduce future tax
Replies: 4
Views: 1076

Re: Retirement strategy to reduce future tax

Thank you for the link. There is much to learn there - need to use the extended version and further tweek the numbers. From my initial impression, doesn't look like it'll be a huge benefit in the long run to convert.
by Loon11
Sun Nov 05, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement strategy to reduce future tax
Replies: 4
Views: 1076

Retirement strategy to reduce future tax

I have been a member for a couple of years and always check this forum when making financial moves. My concern is I am unsure if I need to make any changes right now before I retire. I am a Fed (working parttime) with 28 yrs and plan to leave Dec. 31, taking a check for unused annual leave to use as...
by Loon11
Sun Oct 15, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Upcoming Roth Contribution for 2018
Replies: 4
Views: 954

Re: Upcoming Roth Contribution for 2018

Thanks all! will just keep as is since I have very little exposure to international and wellington has a bit. been great fund, the only mnaged one I have
by Loon11
Sat Oct 14, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Upcoming Roth Contribution for 2018
Replies: 4
Views: 954

Upcoming Roth Contribution for 2018

Wondering if I should change my annual Wellington $6500 contribution to Balanced Index - in comparison on Vanguard's site, they are real close but says return on equity for Balanced is 9.4% versus 4.8 (may be approx). However, the annual returns are close. I am not a savvy investor but does this mea...
by Loon11
Sat May 13, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Recommendation for set and forget fund
Replies: 7
Views: 1445

Re: Recommendation for set and forget fund

ok - thanks - roth Vbenx - vanguard wellington 106K vbtlx - total bond index 17K ffvfx - fidelity freedom 2015 4K tsp 617K (401K) in Lifecycle fund 2020 VTSAX - vanguard total stock index 150K husband's roth: wellesley 60K and vanguard health care fund 20 TIRA: vanguard balanced index 16K and vangua...
by Loon11
Fri May 12, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation for set and forget fund
Replies: 7
Views: 1445

Re: Recommendation for set and forget fund

Thanks for asking - this has been enlightening gathering this information and somewhat embarrassing to see how scattered our money is. We haven't been balancing or even really looking at much over the years. Here is what we have: Me Roth: VBENX 106K VBTLX 17K FFVFX 4K TSP 401K 617K (lifecycle 2020) ...
by Loon11
Thu May 11, 2017 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation for set and forget fund
Replies: 7
Views: 1445

Re: Recommendation for set and forget fund

Thanks Watty. I am going to carefully read these links. Don't think we'll need more income (course, things could change with rental properties) so will focus on tax efficiency. Looking at that tax managed fund as a good fund. Maybe in the near future, CDs will improve.
by Loon11
Thu May 11, 2017 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Buying vacation home
Replies: 29
Views: 4520

Re: Buying vacation home

own one in another state. Pros and cons of owning but in our case, the house is rented full time so we cannot use it when we want to. However, we do not pay utilities and the folks are very self-sufficient. When we want to go there, we rent a cottage nearby. Initially we wanted to retire there but n...
by Loon11
Thu May 11, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendation for set and forget fund
Replies: 7
Views: 1445

Recommendation for set and forget fund

As with all important decisions, I turn to Bogleheads! Am a 67 yo fed employee, went parttime a couple years back - now with 27 yrs service and still working 2-3 days a week, suspended SS benefits, (likely wait til 70), have good rental income, will have pension and TSP. Not terribly worried about r...
by Loon11
Tue May 09, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027817

Re: What Movie Have You Recently Watched?

Recommend Manchester by the Sea, great, although not a happy movie.
by Loon11
Sat Mar 25, 2017 9:13 pm
Forum: Personal Finance (Not Investing)
Topic: rental property expense question
Replies: 12
Views: 1900

Re: rental property expense question

Thanks NWbrewer! Having rental property is a blessing and a curse! I keep all expenses and log everything and don't think too much about it until tax time and then try to learn everything new. I have been using Turbo Tax forever and usually get through OK but it isn't full of information. Thank you ...
by Loon11
Tue Mar 21, 2017 10:33 am
Forum: Personal Finance (Not Investing)
Topic: rental property expense question
Replies: 12
Views: 1900

Re: rental property expense question

Thanks clydewolf - I read up on it last night and believe you are right on. Not really what I wanted but think this is the letter of the law.
Just doesn't go down easily that all that expense won't help with my taxes. Thanks again
by Loon11
Mon Mar 20, 2017 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: rental property expense question
Replies: 12
Views: 1900

Re: rental property expense question

Thanks again and I can see it as a capitol expense. In Turbotax, they give an option of expensing it under the safe harbor rule but this is something I"ve not done and wonder how it impacts the future. Sounds like a fine option but what about the existing depreciation I'm taking? is it just going fo...
by Loon11
Mon Mar 20, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: rental property expense question
Replies: 12
Views: 1900

Re: rental property expense question

Thanks all -I would think it would be a capital improvement if this was done to improve the value; HOwever, the only reason we did this encapsulation and conditioning - fixing up a leaky crawl space was for the purpose of making the apartments hold heat. For 2 past winters, we had the HVAC folks com...
by Loon11
Mon Mar 20, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: rental property expense question
Replies: 12
Views: 1900

rental property expense question

I havent been able to find a clear answer so I'm turning to the experts on Bogleheads! I have a rental duplex that has had much trouble over past 2 years with heating. I switched to heat pump 3 yrs ago and the place freezes in winter. I had an energy audit last year which revealed the place leaks li...
by Loon11
Sun Oct 02, 2016 10:22 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 49
Views: 5741

Re: Roadside assistance Programs

Toons: yep - 16 each for 6 months - Geico told me it was because they are older cars (I guess they think they might break down). The newer 2007 matrix is 11.40 per 6 months - all total is about $150 annually. they used to tow to your mechanic of choice and it was great. Now its the nearest facility....
by Loon11
Sat Oct 01, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 49
Views: 5741

Re: Roadside assistance Programs

this is great info. I did verify that Costco exec does not offer roadside assistance anymore unless you have insurance with them. Good idea to have main driver with AAA and self insure other cars. We are thinking of keeping geico roadside ($22 annually) on main car that we travel in and drop the res...
by Loon11
Fri Sep 30, 2016 10:31 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 49
Views: 5741

Re: Roadside assistance Programs

Thanks! I have costco so will definitely check it out. Visa also offers a 5 mile tow for 59.95 for each service call. May end up with AAA. My only fear is long trips where we may break down on the highway - self insuring is probably smart since we only used the towing 2-3 times in 20 yrs. From check...