Search found 88 matches

by LunaLauren
Wed Feb 03, 2021 4:26 pm
Forum: Personal Investments
Topic: Question about trading/not investing
Replies: 29
Views: 1702

Re: Question about trading/not investing

if this was profitable why did you stop? or did something stop with this system and it wasn't predictable anymore? As I mentioned - my stock play was related to Y2K remediation related stocks. I stopped because....umm... the Y2K issue went away - via a flip of the calendar :) As far as my judgement...
by LunaLauren
Wed Feb 03, 2021 9:42 am
Forum: Personal Investments
Topic: Question about trading/not investing
Replies: 29
Views: 1702

Re: Question about trading/not investing

Thank you all for the valuable feedback, some of which is very helpful. I get that some people read posts selectively, focusing on key words instead of the overall picture...like speed readers lol....anyone who posts here should recognize the Bogleheads echo chamber :) That said, I already know peop...
by LunaLauren
Tue Feb 02, 2021 8:29 pm
Forum: Personal Investments
Topic: Question about trading/not investing
Replies: 29
Views: 1702

Question about trading/not investing

I have a small side stash, outside of my portfolio that I'd like to gamble with, understanding I may lose all of it. Sporadically, I have read about people who do this, trading in companies they research or know well. Trading in companies that pay a dividend in case they get stuck holding for a peri...
by LunaLauren
Tue Dec 29, 2020 8:26 am
Forum: Personal Consumer Issues
Topic: Is There a "Bogleheads" for Health and Medical Issues
Replies: 31
Views: 2806

Re: Is There a Bogleheads for Health and Medical Issues

Good morning, A site I have often turned to, is : medhelp.org - an informative user based community. Side note: There are no shortage of other sites for various health issues...unfortunately most seem to be sponsored by someone - usually a doctor, promoting his/her book and so therefore, discussions...
by LunaLauren
Mon Dec 28, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Unable to track return credits with Amazon, pls make suggestions?
Replies: 16
Views: 773

Re: Unable to track return credits with Amazon, pls make suggestions?

Supposed to have posted 3-4 weeks ago. I generally review/process them every month.
by LunaLauren
Mon Dec 28, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Unable to track return credits with Amazon, pls make suggestions?
Replies: 16
Views: 773

Re: Unable to track return credits with Amazon, pls make suggestions?

I also checked my Amazon gift card balance before the original post...the credits do not appear there either...that's why I am trying to figure out how to escalate.
by LunaLauren
Mon Dec 28, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Unable to track return credits with Amazon, pls make suggestions?
Replies: 16
Views: 773

Unable to track return credits with Amazon, pls make suggestions?

I am having trouble tracking some credits for some returns I have made to Amazon. These returns show on the Amazon website, but do not appear on my Synchrony bank credit card account statements. Neither the Amazon reps nor the Synchrony reps can help me. Amazon points me to Synchrony for help and Sy...
by LunaLauren
Mon Dec 28, 2020 8:01 am
Forum: Personal Finance (Not Investing)
Topic: 2020 High Income Year/2021 Low Income Year
Replies: 3
Views: 406

2020 High Income Year/2021 Low Income Year

I am retiring early in 2021.

I'll be going from a high income year in 2020 to a low income year in 2021.

I am aware of bunching tax deductions for 2020... any other financial strategies I should consider in this situation?

Thank you!
by LunaLauren
Sun Dec 27, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can I withhold 0$ on 2020 W4?
Replies: 11
Views: 1208

Re: Can I withhold 0$ on 2020 W4?

Streptococcus,

Did this work out for you? any tips to share? thanks
by LunaLauren
Sun Dec 27, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to set it such that no taxes are withheld?
Replies: 12
Views: 969

Re: How to set it such that no taxes are withheld?

Techfi,

How did this all work out for you? I am interested in doing the same or similar. Thanks
by LunaLauren
Sun Dec 27, 2020 11:10 am
Forum: Investing - Theory, News & General
Topic: Worried about the future of REITs
Replies: 65
Views: 6629

Re: Worried about the future of REITs

I've been looking further at slice and dice portfolios and adding a REIT position to my portfolio.... I am familiar with the concepts behind the risks of market timing, but now that the RE market is being propped up artificially due to the pandemic - would this be the time to avoid REITS until the p...
by LunaLauren
Sun Dec 27, 2020 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Best online savings bank
Replies: 28
Views: 5217

Re: Best online savings bank

Any updates to this list?? thanks!
by LunaLauren
Sat Dec 26, 2020 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

It just occurred to me that I might use my 2019 deductions as an estimate for 2020, given that my circumstances for 2020 have not substantially changed from 2019, but for a tax loss harvesting sale taken earlier in this calendar year. Or I could use the government's examples lol. Thank you for the l...
by LunaLauren
Sat Dec 26, 2020 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

For the three months I worked in 2018 before I retired (January through March), I added several exemptions to reduce my federal and state tax withholding. This gave me space to accelerate my entire year's worth of TSP and catch-up contributions in those three months. That was my point. Due to the w...
by LunaLauren
Sat Dec 26, 2020 12:08 pm
Forum: Personal Consumer Issues
Topic: What To Do About Ghosts -- Moving Back to Hometown
Replies: 29
Views: 2372

Re: What To Do About Ghosts -- Moving Back to Hometown

For me, it has been normal. I flirted with the idea of moving back to my rural NE hometown after retirement - I know people there and it's cheap living...but everything has a price. The rust belt is....rusty. The tax base has fallen out...just so many other social ills.... It was good for a visit......
by LunaLauren
Thu Dec 24, 2020 4:48 pm
Forum: Personal Investments
Topic: Where to park short term (< under 5 years) cash?
Replies: 9
Views: 866

Re: Where right now, to park < 5 year cash?

sorry meant to post in the other personal investing category....trying send message to move.
by LunaLauren
Thu Dec 24, 2020 4:47 pm
Forum: Personal Investments
Topic: Where to park short term (< under 5 years) cash?
Replies: 9
Views: 866

Where right now, to park < 5 year cash?

I realize this question comes up often, but I'm wondering whether the answer changes as time goes on? better rates to be found somewhere, with same low risk profile? I currently have my "needed in < under 5 year money" in an online MM account (Cap 360)...but oh, I am pained by the lack of ...
by LunaLauren
Thu Dec 24, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

If you work 2 or 3 months in the new year, take your fed tax to zero, and put most everything to the TSP, you should get close to maxing This is a bit more challenging with the new 2020 W4, no more allowances to adjust up or down. I am not sure how can you can achieve this with the Section 4 deduct...
by LunaLauren
Thu Dec 24, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

A side note - I've had a long commute into DC that I refuse to return to... I am fairly certain that once the vaccine becomes ubiqitous for the general population, telework as we've known it in 2020, will change or end, for the most part. It's not like private sector employment in that respect.... I...
by LunaLauren
Thu Dec 24, 2020 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Restarting the "contribution meter" for 2021, 401K or TSP contributions
Replies: 3
Views: 340

Re: Restarting the "contribution meter" for 2021, 401K or TSP contributions

The payroll pay date determines the tax year for your contribution to a qualified retirement plan via payroll withholding. Any such withholding from your paycheck received on 1/2/21 will be a 2021 contribution. This is fantastic news, thank you. I am planning to retire soon into 1st qtr calendar 20...
by LunaLauren
Thu Dec 24, 2020 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Restarting the "contribution meter" for 2021, 401K or TSP contributions
Replies: 3
Views: 340

Restarting the "contribution meter" for 2021, 401K or TSP contributions

I am a federal worker who was paid today. My leave statement indicates this is pay period # 26 which ended on 12/19. The current pay period ends next week on January 2nd. Since we only receive 26 checks per year, am I now in pay period # 1of 2021? Can any pre-tax contributions I make before January ...
by LunaLauren
Thu Dec 24, 2020 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

stan, are these managers who either cannot adapt or are finding it too hard to adapt to managing remote workers? I am trying to understand the impetus behind their decision to finally leave their employment as it relates to telework.
by LunaLauren
Thu Dec 24, 2020 7:06 am
Forum: Personal Finance (Not Investing)
Topic: For Retiring Feds with lump sum payout
Replies: 1
Views: 283

For Retiring Feds with lump sum payout

The recent thread from MDfan about his/her upcoming fed retirement has prompted me to finalize my own plans with awareness of the particular fed rules. One of the things we discussed on that thread was the tax treatment and investment possibilities (if any) for the final lump sum annual leave pay ou...
by LunaLauren
Tue Dec 22, 2020 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 98
Views: 11478

Re: GEICO Umbrella: Significant Increase in Premium

Wow, that sounds odd. In the past I have found them to be thorough in their explanations.

Perhaps I need an agent to assist. Thank you for the update.
by LunaLauren
Tue Dec 22, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

Retirement contributions, insurance premiums and Thrift Savings Plan deductions are not withheld.

Thank you for finding this. How unfortunate that they don't allow those deductions from the final lump sum check....considering many of us want to retire early in the calendar year.
by LunaLauren
Tue Dec 22, 2020 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Any rules of thumb for FERS (federal) retirement?
Replies: 66
Views: 4249

Re: Any rules of thumb for FERS (federal) retirement?

If you retire at the end of December 2021, your annual leave will be paid to you in early 2022 as earned income. This payout can be used to make an IRA or Roth IRA contribution for 2022. Naive question - so the final annual leave payout check after retirement is treated as a normal regular payroll ...
by LunaLauren
Sun Dec 20, 2020 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO Umbrella: Significant Increase in Premium
Replies: 98
Views: 11478

Re: GEICO Umbrella: Significant Increase in Premium

Any updates to this thread? Mine jumped 100%, I moved to FLA...no other changes..am a renter.

Trying to consider comparisons right now. Thanks
by LunaLauren
Sun Dec 20, 2020 5:26 am
Forum: Personal Consumer Issues
Topic: Toyota 2021 Venza?
Replies: 41
Views: 3512

Re: Toyota 2021 Venza?

Do you need to buy a car now? The auto industry is in the middle of massive change, similar to the cell phone industry 10 years ago. I'd hold out buying for another 2 or 3 years and get an EV since they are going to be the future. Do you mind going into more detail about this? Honestly, when it com...
by LunaLauren
Sat Dec 19, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Toyota 2021 Venza?
Replies: 41
Views: 3512

Toyota 2021 Venza?

Does anyone have one? does the cargo area seem small to you? I see that Toyota advertises this vehicle as a mid size hybrid SUV and yet it appears to have less cargo space than the compact RAV4. I'm looking for a midsize SUV or Hybrid vehicle with a good amount of cargo space (I take long, long trip...
by LunaLauren
Thu Dec 17, 2020 6:50 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 331
Views: 23153

Re: Tips to stick to a weight loss diet?

I find I can under-eat for days, sometimes weeks and then bam! one day the hunger wave will hit and I will feel low energy and weak and hungry beyond reason...in that moment, I have to eat soon...and usually whatever is around me. I am trying to find portable food like a bag of nuts? for those momen...
by LunaLauren
Thu Dec 17, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?
Replies: 23
Views: 1544

Re: Great fish sources And, Best fish for Hawaiian "poke" bowl, sashimi, etc.And great cooked fish?

But I have been able to find a couple of fish markets with truly fresh grouper, snapper, dolphin and oysters around town, I have been finding these too and see they carry various kinds of grouper - "yellowedge", "black", "scamp" (maybe that's different?) and snapper. T...
by LunaLauren
Wed Dec 16, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Agreement w/individual vs. company/corp?
Replies: 5
Views: 362

Rental Agreement w/individual vs. company/corp?

I've only ever signed rental lease agreements before with a corporation. I may have an opportunity to rent a home from someone advertising in a Facebook group for a particular neighborhood. What are the risks or advantages to signing a home rental lease with an individual vs. a corporation? Thank you.
by LunaLauren
Tue Dec 15, 2020 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Overcontribution Issues/Timing?
Replies: 10
Views: 495

Re: HSA Overcontribution Issues/Timing?

Thank you all....then it sounds like there is nothing to be done between now and 12/31. When the insurer has ceased to submit their 2020 contributions, then I will return the excess, move the remaining to a new HSA account and close the current one - and claim the overage as income on my 2020 tax re...
by LunaLauren
Tue Dec 15, 2020 7:09 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23868

Re: Where to Retire?

States with no income tax still get their revenue from somewhere and they may have higher property, sales tax, car registration fees, etc., for example With respect to FLA, anecdotally, I've noticed that hotel taxes are higher than many places I've travelled. As well, the road tolls near vacation s...
by LunaLauren
Mon Dec 14, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Overcontribution Issues/Timing?
Replies: 10
Views: 495

Re: HSA Overcontribution Issues/Timing?

Since it has been invested, the excess is still sitting there, is it as easy as them just returning it to me? no tax form to fill out and send in with 2020 filing?
by LunaLauren
Mon Dec 14, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Overcontribution Issues/Timing?
Replies: 10
Views: 495

Re: HSA Overcontribution Issues/Timing?

I switched to a regular health insurance plan (not a HDHP) for 2021...so I won't be contributing to an HSA in 2021.

Does this change my available options? Thank you
by LunaLauren
Mon Dec 14, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring to low income in 2021, any year end moves?
Replies: 3
Views: 598

Retiring to low income in 2021, any year end moves?

This year may be my last high income tax year. I am retiring in the first quarter of 2021. I expect my earnings to plummet until I start drawing SS...basically living on withdrawals. I do understand that my retirement income -> savings for 2021 should go into a Roth. Any year-end moves I should make...
by LunaLauren
Mon Dec 14, 2020 11:31 am
Forum: Personal Finance (Not Investing)
Topic: HSA Overcontribution Issues/Timing?
Replies: 10
Views: 495

HSA Overcontribution Issues/Timing?

It appears I have an overcontribution to my HSA for 2020, in the amount of $50...so I need to figure out the mechanics of fixing that. At the same time, I am leaving HSABank and shutting down that account, but there is a pre-tax balance there...HSABank will not let me move it now since they have a m...
by LunaLauren
Sat Dec 12, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16586

Best < $100 purchase?

What's the best < $100 purchase you've ever made? Can be anything but perhaps something that improved some aspect of your life.
by LunaLauren
Sat Dec 12, 2020 11:47 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23868

Re: Where to Retire?

I'm considering areas for retirement where there is a large university presence....so far considering Athens, GA, Gainesville, FL, Austin, TX...perhaps NC? thanks
by LunaLauren
Sat Dec 12, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23868

Re: Where to Retire?

The Florida panhandle is much less pricey than the peninsula and less crowded. It's also much less exposed to hurricanes, though bugs and humidity are definitely present.

Can I ask what you base this comment on? the part about hurricanes and the panhandle? thanks
by LunaLauren
Fri Dec 11, 2020 9:25 am
Forum: Personal Consumer Issues
Topic: Buying Salmon Online
Replies: 57
Views: 6841

Re: Buying Salmon Online

Any updates to the suggested list of sources for great salmon?
by LunaLauren
Sun Dec 06, 2020 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Linked In Language?
Replies: 3
Views: 455

Linked In Language?

It's common for people in my field to retire and then do consulting work in the same field. I am retiring soon and wish to make my availability known, for short term projects. I visited Linked In to look at profiles of retirees. Many times I notice the profiles that give a status of "happily re...
by LunaLauren
Sun Dec 06, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85765

Re: What lifestyle creep made you happier?

Occasionally I consider how much more pleasant life would have been if I was born later. I find myself engaging in this as well....I entered my career field in the 1980s...it was a male dominated field until sometime after 2000...now it's about even numbers....but those 20 years were often a minefi...
by LunaLauren
Sun Dec 06, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968490

Re: What's Your Credit Card Rewards Strategy?

What card do you use for restaurant spend? We are still doing take out, for now. thanks
by LunaLauren
Sat Dec 05, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Restaurant take out during the pandemic?
Replies: 93
Views: 7421

Restaurant take out during the pandemic?

We had been trying to support local restaurants during the pandemic by occasionally getting takeout....of course pizza and Chinese don't count because those places already seem to know how to package, keep warm, etc....not much quality difference unless there is a driving delay.... but we're finding...
by LunaLauren
Sat Dec 05, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: How much can one reasonably negotiate on a new car?
Replies: 82
Views: 6417

Re: How much can one reasonably negotiate on a new car?

Whenever I go car shopping (I only buy new vehicles).....I put my specifications out by email to the internet sales managers of all dealers within a 100 mile radius, who sell the brand I want. I am careful to emphasize that all add ons must be included and I will only entertain an out the door price...
by LunaLauren
Sat Dec 05, 2020 1:13 pm
Forum: Personal Consumer Issues
Topic: Fish Prep Ideas
Replies: 33
Views: 2022

Fish Prep Ideas

We're spending the winter on the Gulf....our place is only a few miles from a seafood market on a dock that gets boats it seems nearly daily with fresh tuna, grouper, tilefish and similar. They sell oysters and shrimp too of course I've spent the past 30 years inland...only experience with cooking f...
by LunaLauren
Sat Dec 05, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Saving $ on my coffee habit
Replies: 95
Views: 6075

Saving $ on my coffee habit

I spend about $4/day for coffee from a coffee shop. Sometimes $8 if I go again in the afternoon. I'd like to reduce this and save a bit more $. It seems I could go for a Keurig or Nespresso machine and get that number down to about $1 per coffee pod? I have no idea how this compares to homemade pour...
by LunaLauren
Sat Dec 05, 2020 7:48 am
Forum: Personal Consumer Issues
Topic: What other online forums do you find helpful
Replies: 22
Views: 3360

Re: What other online forums do you find helpful

Any health related forums to recommend? I am looking for one or more. Thanks.