Search found 174 matches

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: 978

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: 978

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: 978

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: 820

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: 820

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: 1315

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: 1315

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: 1315

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: 4087

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: 1315

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: 3124
Views: 920714

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: 1712

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: 1712

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: 1712

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: 1712

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: 1712

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: 41
Views: 4330

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: 41
Views: 4330

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: 41
Views: 4330

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...
by Loon11
Thu Sep 29, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 41
Views: 4330

Roadside assistance Programs

I realized recently that my Geico coverage for roadside assistance is too high. Am paying $32.00 per vehicle annually. My spouse and I have 5 vehicles (I know its crazy - all oldies but goodies and not worth selling and great back up cars). Doing a little research, it looks like a program called Goo...
by Loon11
Tue May 24, 2016 8:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2687
Views: 862582

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: 337

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: 1268

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: 1268

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: 6827

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: 3124
Views: 920714

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: 3124
Views: 920714

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: 12282

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: 967

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: 967

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: 5538

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: 967

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: 244
Views: 34252

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: 1020

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: 1020

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: 477
Views: 58030

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: 477
Views: 58030

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: 477
Views: 58030

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: 477
Views: 58030

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: 432

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: 432

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: 8397

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: 8397

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: 8397

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: 8397

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: 8397

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: 8397

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: 631

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: 631

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: 631

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...