Search found 32 matches

by BrightEyes
Thu Apr 01, 2021 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Military Spouses Residency Relief Act in Virginia, discharged during the year
Replies: 3
Views: 320

Re: Military Spouses Residency Relief Act in Virginia, discharged during the year

I agree with Calmaniac that seeking local advice would probably be wise, vs asking strangers on the internet-- though I'd check with the actual Virginia Department of Revenue (or whatever it is called there), rather than a random CPA. However, the quote you provided looks quite clear to me: "I ...
by BrightEyes
Sun Mar 21, 2021 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Which U.S. military bases are the best locations to work as a civilian RN?
Replies: 19
Views: 2370

Re: Changing career paths, not changing professions

Hi, Retired military RN here, with history at both US and overseas bases. It's really not a farfetched notion! It may be a fabulous adventure. I encourage you to keep exploring this idea, but I think if you can talk with people who have done it, and recently, that will be a big help. Also think a lo...
by BrightEyes
Sat Mar 06, 2021 12:09 am
Forum: Personal Investments
Topic: Is my Financial Advisor's advice sound?
Replies: 69
Views: 6585

Re: Is my Financial Advisor's advice sound?

OP, RUN, don't walk away from First Command! They prey on military, while presenting themselves as just out to "help" them. Unfortunately, way back when I was a lieutenant, they (well, USPA & IRA, before they changed their name --I wonder if that was an attempt to escape their reputati...
by BrightEyes
Thu Feb 25, 2021 12:23 am
Forum: Personal Consumer Issues
Topic: Where to buy inexpensive bird houses and bird feeders?
Replies: 20
Views: 1413

Re: Where to buy inexpensive bird houses and bird feeders?

I agree that Tractor Supply has a good variety of bird seed at sometimes decent prices. They have bird feeders and bird houses too--I remember noticing a couple purple martin houses on the shelf last time I was in one. However, my local Ace Hardware stores have better prices, and frequently have pre...
by BrightEyes
Sat Feb 20, 2021 7:49 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1080
Views: 49251

Re: Bird watchers – what birds are you seeing?

I'm in South Texas and almost every day normally see many species of birds at my feeders. I noticed with the recent rare snowfall here that many of them have been avoiding the feeders. I put some seed on paper plates to accommodate the sparrows and white winged doves and others that feed off the gr...
by BrightEyes
Wed Feb 17, 2021 11:48 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1080
Views: 49251

Re: Bird watchers – what birds are you seeing?

I've suddenly got lots of redwing blackbirds, too, probably due to the snow in Middle Tennessee. i usually don't see them much. They have been congregating in the back yard trees, as well as visiting the deck and feeders. I've been putting corn and seeds on the deck for the groundfeeders the past co...
by BrightEyes
Fri Feb 05, 2021 7:00 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1080
Views: 49251

Re: Bird watchers – what birds are you seeing?

I'm loving all the posts, especially the great photography. I finally got a couple pics with my phone, so quality is low, but it doesn't matter, I guess, as I can't figure out how to attach anything anyhow! But, I've put up a peanut feeder, instead of just distributing the peanuts loose along the de...
by BrightEyes
Thu Jan 21, 2021 6:38 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1080
Views: 49251

Re: Bird watchers – what birds are you seeing?

Just saw one of the Great Horned Owls that nest in a huge old pecan tree in my yard make three flights! Usually, I hear the owls a lot, but I guess I'm not out watching at the right crepuscular times to see them very often! This evening, I pulled into the drive around dusk, and paused as the owl fle...
by BrightEyes
Wed Jan 20, 2021 11:44 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1080
Views: 49251

Re: Bird watchers – what birds are you seeing?

I've got a pair of Downy Woodpeckers and a pair of Red-Bellied Woodpeckers that come to my feeders/ live in around my yard. And tap on my siding/windows on occasion! Unfortunately, I don't have the photography skills that some of you do. I really enjoy your great pictures! Other daily visitors inclu...
by BrightEyes
Mon Jan 18, 2021 6:41 pm
Forum: Non-US Investing
Topic: US citizen facing early retirement in Germany..How to go about managing finances
Replies: 15
Views: 1878

Re: US citizen facing early retirement in Germany..How to go about managing finances

I second TravelGeek's suggestion about looking for a job on one of the American military facilities in Germany. I think the link he provided is just for Federal Employee positions , so I would recommend also checking for contractor positions, which will be on different websites. There are many GS (F...
by BrightEyes
Sat Jan 09, 2021 10:42 pm
Forum: Personal Investments
Topic: How can I teach my 5 year old daughter about investing?
Replies: 109
Views: 5095

Re: How can I teach my 5 year old daughter about investing?

When my kids were little, but big enough to have a bit of pocket/piggy bank money, I used the question " Would you spend YOUR money on that?" or "Is it worth your money?" when they would ask for something as we browsed the flea market, store or wherever shiny things were sold. Th...
by BrightEyes
Sat Jan 09, 2021 6:19 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15711

Re: Regrets postponing retirement too long?

I’m awfully glad I retired from military service when I did, at 58. That was my first real opportunity to do so, and for a variety of reasons, including wanting to travel at will while my body was still holding up, I decided to go for it. Even with a pension that should cover at least my basic neces...
by BrightEyes
Fri Dec 25, 2020 7:49 pm
Forum: Forum Issues and Administration
Topic: Time to give to this website
Replies: 91
Views: 8899

Re: Time to give to this website

Done! Thanks for the reminder/directions. This site provides me both amusement (too much time spent just reading and browsing, probably!) and good information and advice, so I'm glad to support in turn. Thanks to those who keep this running!

Bright Eyes
by BrightEyes
Fri Dec 25, 2020 5:54 pm
Forum: Personal Consumer Issues
Topic: Pet food delivery services
Replies: 55
Views: 2726

Re: Pet food delivery services

I've had good/quick service getting prescription diet food (dry and canned) from Chewy. Delivery to TN by whatever service they chose... Don't recall any damage-- that canned food is sold online by Chewy only by the case, as far as I ever saw, so has always been packaged very well as one case with c...
by BrightEyes
Fri Dec 25, 2020 5:48 pm
Forum: US Chapters
Topic: My Christmas Gift to You
Replies: 71
Views: 9577

Re: My Christmas Gift to You

Thank you, Sir. Happy Christmas!

Respectfully,

Bright Eyes
by BrightEyes
Fri Dec 25, 2020 5:44 pm
Forum: US Chapters
Topic: "The Hills of Bastogne"
Replies: 93
Views: 6237

Re: "The Hills of Bastogne"

Thank you, Sir, for your service to our nation, and your continuing service to so many, including those on this board. Thank you for sharing your wisdom.

Respectfully,

Bright Eyes
by BrightEyes
Fri Dec 25, 2020 5:24 pm
Forum: Personal Consumer Issues
Topic: Word Solver Programs / Apps
Replies: 15
Views: 976

Re: Word Solver Programs / Apps

Fun! I think the photo shows the word "Printer". I looked at the picture and decided that before reading other posts, so was not influenced by the posts that also suggested printer. And, it's an occupation that could go back quite a long way. but... then I read the other posts, and agree t...
by BrightEyes
Mon Dec 07, 2020 10:15 pm
Forum: Personal Consumer Issues
Topic: Military GI Bill-Related Question
Replies: 7
Views: 582

Re: Military GI Bill-Related Question

Hi, cjonblanchard, I'm retired military, and while I have not used the transfer aspect of the Post-911 GI bill myself, I have read and heard a bit about it. Here's a link to the VA's info on this subject: https://www.va.gov/education/transfer-post-9-11-gi-bill-benefits/ This page does not address yo...
by BrightEyes
Fri Dec 04, 2020 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is gift of loan principal taxable income to holder of loan?
Replies: 14
Views: 798

Re: Is gift of loan principal taxable income to holder of loan?

Thanks, J295, Lastrun and soxfan10. I didn't have a clue that an installment sale would be treated differently, and didn't really think about the structure of the loan, until something FIREchief said triggered the words... I'm so glad that meant more to the 3 of you than it did to me. I started a ne...
by BrightEyes
Fri Dec 04, 2020 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is gift of loan principal taxable income to holder of loan?
Replies: 14
Views: 798

Re: Is gift of loan principal taxable income to holder of loan?

Thanks for the responses! I love this forum, including how, as I carefully work on my responses to three replies, three or four more responses pop up! :wink: J295, I like your answer— just wishing for some sort of reference to back it up! Thats why I’m trying to pick the great brains on this forum. ...
by BrightEyes
Fri Dec 04, 2020 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Is gift of loan principal taxable income to holder of loan?
Replies: 14
Views: 798

Re: Is gift of loan principal taxable income to holder of loan?

Thanks, Perkunas! I appreciate your response. I feel fairly confident that the loan forgiveness would fall under the IRS Topic 431, Cancellation of Debt Income Exception as “Amounts canceled as gifts, bequests, devises, or inheritances,” so the recipient would not be taxed. I considered doing as you...
by BrightEyes
Fri Dec 04, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Is gift of loan principal taxable income to holder of loan?
Replies: 14
Views: 798

Is gift of loan principal taxable income to holder of loan?

I’m working out how much and how to gift money to my adult children this year, on the principle of sharing while I’m alive and they are at life stages where it will make a bigger difference to them. However, I want to be sure of the tax effects before I do anything. I hold a mortgage on real estate ...
by BrightEyes
Thu Nov 12, 2020 6:30 pm
Forum: Personal Consumer Issues
Topic: Robot vacuum cleaner for hardwood floor?
Replies: 46
Views: 4154

Re: Robot vacuum cleaner for hardwood floor?

Another vote for Eufy Robovac--I got mine on sale ( about $186) at Amazon earlier this year after reading recommendations here-- in the "What Pandemic Buy are You Enjoying?" thread if I recall correctly. It's been great--I still don't vacuum as often as I ought, but I do love the feeling o...
by BrightEyes
Sun Nov 08, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: Update: Thanks Everyone. Advice and Help? Data Security? Sending MacBook to Apple Service. Newbie advice?
Replies: 15
Views: 1014

Re: Advice and Help? Data Security? Sending MacBook to Apple Service. Newbie advice?

When I've sent my Macbooks in for repair, I backed up on Time Machine and/or the cloud and had my kid erase the hard drive for me. It was pretty simple to then restore from the back up. At least one of those times, a family member loaned me a Mac and we transferred everything to that machine, so I h...
by BrightEyes
Sun Nov 08, 2020 7:41 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

Hi, federal dinosaur, Sounds like a good idea to test the system with a non critical transfer. That's how I will look at the transaction I'm starting now-- especially factoring in Watty's comments. It's not that big a deal, I guess, where the money sits and grows, so worst case, if things don't get ...
by BrightEyes
Sat Nov 07, 2020 10:45 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

Thanks, Heela Monster! I'm not exactly sure how much fine control I actually have in timing the move from TSP; I've heard, and it seems from talking to the rep there, that it may take them several days to cut the check, so who knows how much difference there could be from order to compliance? Or whi...
by BrightEyes
Sat Nov 07, 2020 8:27 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

Wow, thanks so much to everyone who has responded. I have been lurking (in a completely non-creepy way!) and learning for a year or two now, so I could already tell that most posters are kind and thoughtful in their responses, but it turns out that feels even nicer when it’s my own query that is bei...
by BrightEyes
Sat Nov 07, 2020 1:51 am
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

HeelaMonster, Thanks! Yes, even though both the TSP and Vanguard reps made it sound easy and quick, I do anticipate that it probably will take longer than the minimum processing time, and it is a bit cumbersome. The nice thing about being retired is that I have the time to go find myself a notary. I...
by BrightEyes
Fri Nov 06, 2020 8:56 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

Thanks for further responses! RetiredJG, your breakdown is pretty much the analysis I was looking for, with concrete suggestions— thank you. I am going play with the numbers some more, guesstimating what my total income will be this year, but so far it looks like this is the year to do a larger conv...
by BrightEyes
Thu Nov 05, 2020 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Billpay
Replies: 28
Views: 2121

Re: Billpay

Another vote for NFCU. If you are eligible for USAA, you are also probably eligible for NFCU membership.

Bright Eyes
by BrightEyes
Thu Nov 05, 2020 7:30 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Re: Should I do Roth Conversions from TSP? How much?

Thanks for the responses so far! Retiredjg, delamer, I have edited to add dollar value of TSP ($418K) and of Roth ($178K) as of 1 Nov. All TSP is pretax. Goheels, I’ve done some calculations (not sure if enough to call it “running the numbers”) to estimate taxable income when I have to take RMDs, bu...
by BrightEyes
Thu Nov 05, 2020 3:38 pm
Forum: Personal Investments
Topic: Should I do Roth Conversions from TSP? How much?
Replies: 25
Views: 1868

Should I do Roth Conversions from TSP? How much?

Hello! I enjoy reading this forum so much, and value all the collective wisdom and knowledge. Finally set up an account and this is my first post. I had been putting together a post with the recommended format for general review, but set it aside for now; I really want to focus on the specific issue...