Search found 1097 matches

by 4nursebee
Sat Dec 08, 2018 5:33 am
Forum: Personal Finance (Not Investing)
Topic: Solar Tax Credit
Replies: 11
Views: 1101

Re: Solar Tax Credit

There are other ways of doing similar and obtaining better returns.
by 4nursebee
Thu Dec 06, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6316

Re: Health insurance for FIRE

It seems like the cost of healthcare is prohibitive of FIRE for many people thus making the whole industry (books, blogs, advice, internet sites, magazine articles) BUNK.
by 4nursebee
Thu Dec 06, 2018 3:30 am
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6316

Re: Health insurance for FIRE

Don't really "retire". Find a part time job that offers health cover... has the advantage that you'll continue to earn social security credits and remain eligible for disability/medicare in the event of disaster. [/quote] Trying to avoid the work part time for insurance scenario but it is likely the...
by 4nursebee
Wed Dec 05, 2018 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6316

Re: Health insurance for FIRE

Background: If health insurance costs were known we would have enough to FIRE now... Allow me to rephrase it: "If health costs were low enough, we would have enough to FIRE now" Rephrase for yourself, but not for me. I intended what I wrote It is not a problem of you not knowing, but of them being ...
by 4nursebee
Wed Dec 05, 2018 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance for FIRE [Financial Independence Retire Early]
Replies: 83
Views: 6316

Health insurance for FIRE [Financial Independence Retire Early]

Background: If health insurance costs were known we would have enough to FIRE now. Our current situation in FIRECALC suggests 100% chance of success. Subsidy highly unlikely We have been searching online for quotes on plans. BC/BS has 3 plans for us, each is almost $2,000 a month but seems to cover ...
by 4nursebee
Thu Nov 29, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: Bogle Sounds a Warning on Index Funds
Replies: 103
Views: 17884

Re: Bogle Sounds a Warning on Index Funds

I have been suggesting active/passive portfolios for those worried that markets might become inefficient if indexing gets too popular. Maybe 20% active and 80% passive, using lower cost active funds like what Vanguard offers. It might be that indexers might have to make a contribution to keep the m...
by 4nursebee
Fri Nov 23, 2018 5:09 am
Forum: Personal Finance (Not Investing)
Topic: Tax law and real estate
Replies: 3
Views: 583

Re: Tax law and real estate

I’m trying to understand the impact of the 2017 tax law change on real estate in UHCOL areas (California in particular). One used to be able to deduct state income tax, property tax and mortgage interest. Now new mortgages are capped at $750k and you can only take up to $10k of any local tax deduct...
by 4nursebee
Thu Nov 22, 2018 3:51 am
Forum: Personal Consumer Issues
Topic: Landlords: Where do you buy your fridges?
Replies: 15
Views: 2396

Re: Landlords: Where do you buy your fridges?

ladders11 wrote:
Wed Nov 21, 2018 9:18 pm
I used to work in property management and any fridges we bought came from Lowe's or HD most of the time. Nothing special.
+1
by 4nursebee
Tue Nov 20, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1733

Re: Recommendations for Home Printer

go to national office supply store, buy what the clerk says. They are so good and so cheap it is not worth it to find the best. Sorry. I would never follow this advice. Cheers This is a link to one of the two available HP all in ones in my local store. At $60, I am not going to waste a lot of time ...
by 4nursebee
Tue Nov 20, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1733

Re: Recommendations for Home Printer

go to national office supply store, buy what the clerk says. They are so good and so cheap it is not worth it to find the best. Sorry. I would never follow this advice. Cheers This is a link to one of the two available HP all in ones in my local store. At $60, I am not going to waste a lot of time ...
by 4nursebee
Tue Nov 20, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2019

Re: Executor and Will

2 yrs in my state per legal zoom.
by 4nursebee
Tue Nov 20, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Recommendations for Home Printer
Replies: 41
Views: 1733

Re: Recommendations for Home Printer

go to national office supply store, buy what the clerk says.

They are so good and so cheap it is not worth it to find the best.
by 4nursebee
Mon Nov 19, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2019

Re: Executor and Will

Found and checked with probate court, nothing filed yet.
by 4nursebee
Mon Nov 19, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2019

Re: Executor and Will

What court is a will filed in?
What court decides the executor?
Thank you.
by 4nursebee
Mon Nov 19, 2018 8:07 am
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2019

Re: Executor and Will

There might be a will. My impression is that the will should name who the executor is. I am also under the impression that direct descendants should be able to see the will and KNOW who the executor is.

How does one open the probate process?
by 4nursebee
Mon Nov 19, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: sell rental condo 6 miles from Crystal City, VA Amazon location?
Replies: 36
Views: 3813

Re: sell rental condo 6 miles from Crystal City, VA Amazon location?

I would stick with your overall investment thesis.
Are you willing to hold at current return until housing demand reaches you?

When the powerball payout increases, do you think about buying a ticket, or more tickets?
by 4nursebee
Mon Nov 19, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Executor and Will
Replies: 24
Views: 2019

Executor and Will

A relative died. We know their estate planning was quite different. The executor is not family or legal/bank, it is a person. This person inherits or has control of large portion of the estate due to legacy concerns for a non profit the deceased ran. Relatives have asked for a copy of the will, want...
by 4nursebee
Tue Nov 13, 2018 3:16 am
Forum: Investing - Theory, News & General
Topic: Feedback on "auto pilot" strategy
Replies: 6
Views: 816

Re: Feedback on "auto pilot" strategy

I thought this was going to be a self driving car thread.
by 4nursebee
Thu Nov 08, 2018 6:24 am
Forum: Personal Consumer Issues
Topic: Filing cabinet recommendations
Replies: 10
Views: 759

Re: Filing cabinet recommendations

filing cabinets are not secure, easy to carry, easy to break into.
by 4nursebee
Wed Nov 07, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Where can I go to print a very high-quality book?
Replies: 14
Views: 998

Re: Where can I go to print a very high-quality book?

Yes, it seems the library staff would be a good place to start. They don't have any recommendations actually. They accept books but don't print out any stuff. People rarely print and bind books except on a large-scale commercial basis, I am guessing. And some of these places aren't conservation/arc...
by 4nursebee
Wed Nov 07, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: Where can I go to print a very high-quality book?
Replies: 14
Views: 998

Re: Where can I go to print a very high-quality book?

Yes, it seems the library staff would be a good place to start.

Across the street from The Alamo was a rare book or book restoration place.

Search in larger cities near you for bookbinders

Fedex/Kinkos
by 4nursebee
Sun Nov 04, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Life estate deeds
Replies: 4
Views: 278

Re: Life estate deeds

There are no mortgages.
by 4nursebee
Sun Nov 04, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Life estate deeds
Replies: 4
Views: 278

Life estate deeds

A family member recently died. Rental properties in estate. Three of the properties, in NC, set up in a Gift Deed for another family member. The wording says something like "convey unto Grantee, his heirs and assigns, subject, however, to the life estate of Grantor, which said life estate is herein ...
by 4nursebee
Sun Nov 04, 2018 4:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18450

Re: Vanguard website "unavailable during weekend of Nov 3"

1. My employer web site was down this weekend. Does this mean no more paychecks?

2. I am reviewing my October 2018 expenses, assets. Fidelity website is down. They did not tell me.

YAWN
by 4nursebee
Fri Nov 02, 2018 6:34 am
Forum: Personal Consumer Issues
Topic: Damage caused by roofer, what are my options?
Replies: 13
Views: 2227

Re: Damage caused by roofer, what are my options?

I would decide if you want to win against the roofer or have the issue fixed.
by 4nursebee
Fri Nov 02, 2018 5:51 am
Forum: Personal Finance (Not Investing)
Topic: help this RN negotiate job change
Replies: 28
Views: 2911

Re: help this RN negotiate job change

I have never known an organization to offer more money to retain RN. More money always comes with job change at different organization. You have already discussed pay issues, I would not again. They do not respect you as highly as you respect yourself. If you have already talked pay with new employe...
by 4nursebee
Wed Oct 31, 2018 2:44 pm
Forum: Personal Consumer Issues
Topic: When to get a new toilet?
Replies: 52
Views: 3901

Re: When to get a new toilet?

If I were an out of town landlord that hired a plumber and received an answer I did not trust, I would hire a new plumber, one whom I could trust. Then I would do what they said. It is always "cheaper to keep her". This seems to be a question one needs to answer for themselves weighing the pros and ...
by 4nursebee
Fri Oct 26, 2018 5:19 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21682

Re: Talk me out of buying a Tesla Model 3

Matjen,

I am not sure what hard pass means and do not like the urban dictionary definition, is that what you were referring to?

It is a little tough to find now, but I don't think that was the jist of what I saw with Larry Ellison pertaining to Tesla.
by 4nursebee
Fri Oct 26, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 318
Views: 21682

Re: Talk me out of buying a Tesla Model 3

matjen and dan moany,
Perhaps one of you could post a link to what Larry Ellison said about the company? He seems really smart, tech savvy, insightful, successful.

Please, find and post that link!
by 4nursebee
Fri Oct 26, 2018 3:53 am
Forum: Investing - Help with Personal Investments
Topic: Taking Equity out of Rental Property to Invest
Replies: 7
Views: 712

Re: Taking Equity out of Rental Property to Invest

If your equity in real estate is not earning sufficiently that you think to do other things with it I would get out of real estate.

I think your first post here is mighty long winded and lacks substance sufficient to know what to advise.
by 4nursebee
Wed Oct 24, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Real Estate Versus Stocks
Replies: 67
Views: 7227

Re: Real Estate Versus Stocks

There are a lot of people here that seem to offer real estate advice that do not invest in it.

I only do local.

Better yield.

Minimal ongoing time. One hour a month? Mainly banking...

Local mentors helped me.

The yield for older folks is the same as younger, no need to be youthful.
by 4nursebee
Mon Oct 22, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

Re: What would you do, hoping for final year or work.

[ You seem very undetailed about expenses. You have much more detail on income. You also have a new business you are starting. I know you have had start up costs for the farm, but there may be more. For expenses, go through your expenses for the last two years. Account for all $ from your paychecks....
by 4nursebee
Mon Oct 22, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Re: Federal taxes in retirement

Is your estimated rent income net of expenses and depreciation? Yes net of expenses, not sure how depreciation works into it. I expect it works in our favor? Rent income is likely higher by a couple hundred at least, I've just used that figure for a while, have since bought another house that is +3...
by 4nursebee
Mon Oct 22, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

Re: What would you do, hoping for final year or work.

Emergency funds: Yes, we have 3-6 months out of pocket funds. Debt: Just paid off house, tractor, paying off car in a few days. We have four rental homes with fixed rate mortgages <4%. Tax Status: married filing jointly Tax rate: Federal 2017 25% marginal, 18% Effective. State 5%, expect 6% this ye...
by 4nursebee
Mon Oct 22, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

Re: What would you do, hoping for final year or work.

What *I* would do. Sell all the rental properties, then retire. Agreed. We're both 57 and are working on selling ours (we've had them for almost 30 yrs). While the investment/income may make sense, I believe the overall aggravation/risk (from the myriad of tenant related issues) will only become mo...
by 4nursebee
Mon Oct 22, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

Re: What would you do, hoping for final year or work.

So you have expenses of $2k per month, an investment portfolio of about $2million, each have or will have a pension, each social security, have several rental properties that are cash flow positive, and have an annuity? that sounds pretty fantastic. such diversity of income streams. I'd maybe consi...
by 4nursebee
Mon Oct 22, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

Re: What would you do, hoping for final year or work.

I would never put 100% of accounts into SPIA. If ithe market scares you, move off of 100% stocks. I think 100% is crazy. I don’tthink You are ready yet. It is hard to believe your base expenses are 2k with a new farm. Health insurance may be a bigger expense than you think. You will also need to ta...
by 4nursebee
Mon Oct 22, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: WWYD, OMY? Portfolio, Do we have enough?
Replies: 14
Views: 1336

WWYD, OMY? Portfolio, Do we have enough?

Emergency funds: Yes, we have 3-6 months out of pocket funds. Debt: Just paid off house, tractor, paying off car in a few days. We have four rental homes with fixed rate mortgages <4%. Tax Status: married filing jointly Tax rate: Federal 2017 25% marginal, 18% Effective. State 5%, expect 6% this yea...
by 4nursebee
Mon Oct 22, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Re: Federal taxes in retirement

Is your estimated rent income net of expenses and depreciation? Yes net of expenses, not sure how depreciation works into it. I expect it works in our favor? Rent income is likely higher by a couple hundred at least, I've just used that figure for a while, have since bought another house that is +3...
by 4nursebee
Mon Oct 22, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Re: Federal taxes in retirement

With a pension, rent, an annuity and $2M in the bank, I'm not sure either of you need to keep working at all. Are your expenses high? With all that taxable income, 85% of your SS will be taxed. No way around it. You might consider delaying SS until later and using the years between 60 and 70 to do R...
by 4nursebee
Mon Oct 22, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Re: Federal taxes in retirement

Retiredron wrote:
Mon Oct 22, 2018 7:39 am
Don't forget any interest, dividend and capital gain income from taxable accounts.
Not an issue yet but trying to save 2 yrs expenses before retiring.
by 4nursebee
Mon Oct 22, 2018 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Re: Federal taxes in retirement

SS as taxable, ouch. So, one of us retires at 62.5, the other keeps working and earning. I had not thought that the other spouse working would affect the taxability of the SS income. So expecting provisional income >50K/yr means 85% of SS will be taxed, which would greatly impact our bottom line tax...
by 4nursebee
Mon Oct 22, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Federal taxes in retirement
Replies: 25
Views: 2492

Federal taxes in retirement

I would like to hear from others about taxes in retirement so I can better plan and execute. Tax table here: https://www.bankrate.com/finance/taxes/tax-brackets.aspx Things that I would expect could count as income: 401K withdrawals Pension A portion of an annuity A growing portion of collected rent...
by 4nursebee
Sun Oct 21, 2018 3:17 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone taken out an online mortgage?
Replies: 42
Views: 3930

Re: Has anyone taken out an online mortgage?

We considered refi of our heloc to get lower payment. Transaction costs were near 6%.

We did not go forward.

It was easy, no fees. Took longer than a minute...
by 4nursebee
Tue Oct 16, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Self directed or Checkbook IRA
Replies: 4
Views: 339

Re: Self directed or Checkbook IRA

Did you do a search of BH for "self directed IRA"? Lots of topics. Real Estate is extremely restricted, check out this thread: https://www.bogleheads.org/forum/viewtopic.php?t=255294 From the thread above: - You cannot manage or maintain it yourself or have a family member do it. You cannot put in ...
by 4nursebee
Tue Oct 16, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Self directed or Checkbook IRA
Replies: 4
Views: 339

Self directed or Checkbook IRA

Background: We have enough. Due to some fear of the unknown, not having direct heirs, and peace of mind that it offers we have considered annuitizing some (or a large) portion of our retirement assets. I'd posted to learn more about what others have done: https://www.bogleheads.org/forum/viewtopic.p...
by 4nursebee
Mon Oct 15, 2018 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5884

Re: Have you annuitized some of your money?

I have trust issues with insurance companies. Don't think I will ever annuitize anything. My distrust is not strong but I get this. There is fear in everything. In a way I would like to put all the money in a structure I've read about. I think it is a custodial trust IRA type of thing. From there I...