Search found 300 matches

by TresBelle65
Fri Jan 29, 2021 10:40 am
Forum: Personal Consumer Issues
Topic: "Snapmoves" for smaller moves?
Replies: 3
Views: 259

"Snapmoves" for smaller moves?

I have found references here to this type of moving service, but the link given to the thread did not work. Have any of you used United Van Lines "Snapmoves" service? How did it work out? I am moving a tiny studio apartment's worth of stuff from DC to FLA....need reliable mover with reason...
by TresBelle65
Thu Jan 21, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: MacBook Air - Big Sur upgrade?
Replies: 14
Views: 1106

MacBook Air - Big Sur upgrade?

I've been getting notices to make the upgrade to Big Sur, meanwhile my MBA is old and I need to figure out how to free up the space for this new upgrade.

How compelling of an upgrade is this that it should be done right away? what do you know about this one? Thanks
by TresBelle65
Wed Jan 13, 2021 10:49 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1120
Views: 141444

Re: [Fidelity Health Savings Account Mega-Thread]

Any updates to this thread? Any recommendations for as seamless as possible of a transfer to Fidelity?

Thank you.
by TresBelle65
Wed Jan 13, 2021 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Questions RE: Transfer of HSA
Replies: 3
Views: 213

Questions RE: Transfer of HSA

For 2021, I've elected to be covered by my employer's regular healthcare plan, and not the HDHP. Accordingly, for this year, I will not be making any HSA contributions. I have been seriously underwhelmed by HSABank, so I'd like to transfer the account to another provider. I've read many recommendati...
by TresBelle65
Thu Jan 07, 2021 4:30 am
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 106
Views: 11506

Re: Good quality face mask recommendation, please

Aaron Collins is performing a valuable public service. Apparently, he has no blog and only communicates via video and I find that he talks very fast...so, for a visual learner like me....lol...this is a challenge. Wondering if I am summarizing his position correctly? Korean made KF94s are preferable...
by TresBelle65
Thu Jan 07, 2021 4:25 am
Forum: Personal Consumer Issues
Topic: Why do car salesman want to talk to me?
Replies: 63
Views: 6716

Re: Why do car salesman want to talk to me?

You can probably guess as to why.

This is how I weed out the ones (dealerships) I am not serious about....I am the buyer, I control the process.
by TresBelle65
Sun Jan 03, 2021 10:38 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6585
Views: 1452961

Re: What Movie Have You Recently Watched?

The King of Staten Island - on Amazon Prime. Summary: son of fallen firefighter struggles to get his act together in his mid twenties. Pros: great NYC references, accents, attitudes - great acting performances by Marisa Tomei, Steve Buscemi (I am a fan of both) and Pete Davidson for deadpan humor in...
by TresBelle65
Sat Jan 02, 2021 2:40 pm
Forum: Personal Investments
Topic: Earned Income/Enough for a 2021 IRA contribution
Replies: 4
Views: 245

Earned Income/Enough for a 2021 IRA contribution

I plan to work long enough in 2021 to put as much money as I can into a Roth IRA, then retire.

Does anyone know if the definition of "earned income" for purposes of an IRA contribution includes the final check they will pay me for my unused vacation leave?
by TresBelle65
Sat Jan 02, 2021 12:14 pm
Forum: Personal Consumer Issues
Topic: Good quality face mask recommendation, please
Replies: 106
Views: 11506

Re: Good quality face mask recommendation, please

Any updates to this list? A brand or type you've found comfortable and effective (as far as you can tell)? any brands to avoid?

Thanks
by TresBelle65
Sat Jan 02, 2021 12:13 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36306

Re: So what are you cooking

Roasted chicken with an apricot glaze

Key Lime Pie
by TresBelle65
Fri Jan 01, 2021 1:47 pm
Forum: Personal Investments
Topic: Roth IRA AND Roth 401K - both in 2021
Replies: 1
Views: 208

Roth IRA AND Roth 401K - both in 2021

I am retiring soon (March 2021). Since my annual income will be much lower in 2021, I have made the change with my employer to have my pre-tax 401K contributions go instead into a Roth 401K for 2021. Since I now have Roth 401K, can I also contribute to a Roth IRA - assuming contributions to both do ...
by TresBelle65
Fri Jan 01, 2021 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Another Florida Domicile question
Replies: 9
Views: 606

Another Florida Domicile question

As of today, I've moved to Florida and live here now. I currently have a residential lease through March 2021. I am searching properties in order to secure a long term lease beginning in April 2021 - eventually hope to purchase a home. I have a drivers license/registration from my previous state (Vi...
by TresBelle65
Sun Dec 13, 2020 9:53 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36306

Re: So what are you cooking

Hangtown fry

Cioppino
by TresBelle65
Sun Dec 13, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23888

Re: Where to Retire?

P.S./extra credit for soporific! I am a vocabulary nerd.
by TresBelle65
Sun Dec 13, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13409

Re: Giving Retirement Notice - how did it go?

Was that number given to you by the HR folks or by your line manager? I specifically asked the person who is involved in processing the pension applications. He said 60 days is their departmental rule of thumb. Of course I could leave tomorrow, I am eligible to retire right now, but I was hoping to...
by TresBelle65
Sun Dec 13, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13409

Re: Giving Retirement Notice - how did it go?

Because of your health issues it is very reasonable to just tell them that you will be retiring instead of going back into the office. You just gave me an idea. If I indicate I am retiring due to health issues, that may halt the pressure for me to come back in person. It's true, only one of many is...
by TresBelle65
Sun Dec 13, 2020 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13409

Re: Giving Retirement Notice - how did it go?

The accepted norm in my organization is about 6 months up to a whole year (federal employees).....so 2 months (the time quoted to me to process my pension application) will seem quick to them.
by TresBelle65
Sun Dec 13, 2020 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Giving Retirement Notice - how did it go?
Replies: 133
Views: 13409

Giving Retirement Notice - how did it go?

I want to give notice to my boss this week that I am retiring soon. It shouldn't come as a shock, but it will, because most people in my workplace wait until they are over 65...we even have some employees in their early to mid 70s....the conventional for our staff (civil servants) is to retire mostl...
by TresBelle65
Sun Dec 13, 2020 7:25 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23888

Re: Where to Retire?

Since for the most part, nirvana is elusive, aren't we just seeking a set of "issues" we can contend with better than the current issues we have? Example. I am set to retire soon. I'll be trading a pure traffic hell, place with exorbitant housing prices and lack of other amenities I enjoy ...
by TresBelle65
Sat Dec 12, 2020 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Florida based, will and estate plan attorney
Replies: 2
Views: 256

Florida based, will and estate plan attorney

Relocating soon to Florida and wish to draft a will/estate plan. I will be in Central FLA and I'm looking for best ways to find a competent legal source specializing in wills/estates. Referrals are the standard way, but I will be new to the area. Also, wondering if it's common now to do tele-meeting...
by TresBelle65
Wed Nov 04, 2020 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: FEP Vision for 2020/pandemic implications
Replies: 3
Views: 258

FEP Vision for 2020/pandemic implications

In 2019 I signed up for the FEP Vision program for 2020. (Federal Employee). Due to the pandemic, I have not used these benefits because frankly, it requires me to be inches away from another human being during a vision exam. I sent an email to the FEP program, asking if they might extend unused ben...
by TresBelle65
Sun Nov 01, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: Wild Salmon - Pouched/Canned/Favorite Brands?
Replies: 12
Views: 1530

Wild Salmon - Pouched/Canned/Favorite Brands?

I have some upcoming travel and want to stick with my healthier diet which includes salmon.

I usually eat fresh salmon, but am considering canned or pouched.

Do you have a favorite brand to recommend for flavor, texture, etc?

Thank you
by TresBelle65
Mon Oct 19, 2020 6:48 am
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 14
Views: 1424

Re: Handbags/Purses?

Thank you for the Dagne Dover tip~! worked out great for me.
by TresBelle65
Mon Oct 19, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85830

Re: What lifestyle creep made you happier?

A Nespresso coffee machine.
by TresBelle65
Mon Oct 19, 2020 6:31 am
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 14166

Re: Which diet soda pop do you enjoy?

My soda consumption has continued to drop and drop over time. I cannot abide the taste of sugarless sweeteners, but when I am in the mood, I am very partial to Fever Tree - the "light" - i.e. less sugar varieties.
by TresBelle65
Mon Oct 19, 2020 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to HSA for 2020
Replies: 13
Views: 1199

Re: Overcontribution to HSA for 2020

I appreciated your feedback. I did read your response. Even with an MBA (but minimum accounting classes, lol) I find the rules and policies to be somewhat confusing and then there is the issue of terminology (sometimes illogical to me).

Keeps tax professionals in business, right? lol.

Thanks!
by TresBelle65
Mon Oct 19, 2020 6:08 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41835

Re: Items that are worth the money for the quality

Zero gravity recliner? never heard of them and wondering what are the benefits? Question about bedsheets - I once had a set made of T-shirt material and they were the most comfy of all, but I am loathe to find them whenever I now look for another set. Does anyone know of a good manufacturer? My king...
by TresBelle65
Sat Oct 17, 2020 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to HSA for 2020
Replies: 13
Views: 1199

Re: Overcontribution to HSA for 2020

I believe I will owe tax plus 10% penalty which stings but it's a good problem to have because the funds are all contributions from my employer.... Is the tax and 10% penalty calculated on the overage amount? so in case, on a $75 overage, a $7.50 penalty and tax would be based on my current income ...
by TresBelle65
Sat Oct 17, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41835

Re: Items that are worth the money for the quality

Apple products (and yes I have tried other brands)

Toyota vehicle

Hyatt hotels

clothing made of bamboo fabric

good coffee and tea
by TresBelle65
Sat Oct 17, 2020 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees/HSA Bank?
Replies: 8
Views: 767

Federal Employees/HSA Bank?

Does anyone know whether, as a federal employee, I have the option to use a different bank, other than HSA Bank to hold my HSA? My contributions are done through payroll, so I have to assume it's a bank the feds already have an agreement to work with? Just really unsatisfied with how HSABank runs th...
by TresBelle65
Sat Oct 17, 2020 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Overcontribution to HSA for 2020
Replies: 13
Views: 1199

Overcontribution to HSA for 2020

I am at my max contributions for 2020, when my own for the year, along with, the insurer's prior contributions and contribution for November are all factored in. Unfortunately, when the insurer makes their December contribution, that will put me over the max by about $75. :( I stopped my payroll con...
by TresBelle65
Thu Oct 08, 2020 3:04 pm
Forum: Personal Consumer Issues
Topic: Amtrak - Auto Train- VA to FLA?
Replies: 6
Views: 627

Amtrak - Auto Train- VA to FLA?

Hello,

Have any of you taken the Auto Train from VA to Florida?

Would you recommend it? Any tips to share? Thank you.
by TresBelle65
Thu Oct 08, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Least Expensive Shipping for a large box?
Replies: 5
Views: 365

Least Expensive Shipping for a large box?

I need to ship a large-ish box maybe 2 feet by 2.5 feet, weighing about 15 pounds.

What would be my least expensive option (which shipper(s) are least expensive?) provided that there is no urgency of when it needs to be delivered?

Thanks!
by TresBelle65
Sun Oct 04, 2020 10:09 am
Forum: Personal Consumer Issues
Topic: Dentist/Dental hygienist? (in times of COVID)
Replies: 48
Views: 4083

Re: Dentist/Dental hygienist? (in times of COVID)

I learned on Friday that my oral surgeon passed away from COVID in July of this year. My most recent appointment with him was back in February when he placed my implant. I called this morning to schedule a follow up. This is sad news. He was a great guy. They have referred me to another surgeon in t...
by TresBelle65
Fri Oct 02, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Music Streaming Services
Replies: 62
Views: 6134

Re: Music Streaming Services

When a person unsubscribes to one of these services, do they lose the playlist that they might have spent a considerable effort compiling?
by TresBelle65
Fri Oct 02, 2020 8:44 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968953

Re: What's Your Credit Card Rewards Strategy?

Thanks for the reminder here on signing up for the Freedom Paypal and Walmart promotion for 4th quarter. I see that's cash back....for some reason I thought we used to be able to earn 4X in UR points for the quarterly promotion - or am I thinking of another Chase card? or another bank even? LOL Who ...
by TresBelle65
Fri Oct 02, 2020 7:55 am
Forum: Personal Consumer Issues
Topic: Music Streaming Services
Replies: 62
Views: 6134

Music Streaming Services

Which one do you like or not like?

What do you like or not like about it?

Pros of that service?

Cons of that service?

Thanks!
by TresBelle65
Fri Oct 02, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 5135
Views: 968953

Re: What's Your Credit Card Rewards Strategy?

- 5.25% on dining/bars - 5.25% on travel - 5.25% on online - 3.5% on groceries (including Costco!) - 2.625% on everything else (and no international fee) I can get these cash back rates on the Bank of America Cash Rewards card? If that it is the correct name of the card, I need to get it right away...
by TresBelle65
Thu Oct 01, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cap 360 promo ended, now where to?
Replies: 9
Views: 1418

Re: Cap 360 promo ended, now where to?

I think it was extended from the original, so maybe the payouts are staggered.
by TresBelle65
Thu Oct 01, 2020 7:46 pm
Forum: Personal Consumer Issues
Topic: iTunes library stranded, would appreciate ideas
Replies: 4
Views: 633

iTunes library stranded, would appreciate ideas

I am barely tech savvy and my sister even less so. I am attempting to help her. She wants to compile a new music playlist based on an old one. Several years ago, like maybe 7 or 8, she built an iTunes library on her Dell laptop using her downloaded MP3 files and song purchases from the Apple store. ...
by TresBelle65
Thu Oct 01, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cap 360 promo ended, now where to?
Replies: 9
Views: 1418

Cap 360 promo ended, now where to?

As some here know, the Cap 360 promo period just ended on 9/28. Sometime within the next couple months, we'll hopefully get our $450.

Now, I got $50K sitting dead in that Cap 360 account. Any new promos you are aware of?

nothing paying nowhere it seems.
by TresBelle65
Thu Oct 01, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Music for a camping trip
Replies: 66
Views: 4224

Re: Music for a camping trip

OP stated they are hiking into the woods and want a speaker loud enough and with enough battery to play music throughout the trip.

You might want to go back and read that OP again.
by TresBelle65
Thu Oct 01, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: UShip.com or Similar
Replies: 2
Views: 277

UShip.com or Similar

Do any of you have experience with UShip.com or similar?

Would you recommend for furniture, large boxes of household items, etc?
by TresBelle65
Wed Sep 30, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: MP3 player for exercise?
Replies: 4
Views: 587

MP3 player for exercise?

I'd like to buy an MP3 player that will pair with Bluetooth ear buds.

I don't need to wear a phone while I exercise. Instead I need something lightweight, with a clip that I can use to clip it to my shirt.

If you have one to recommend, please do!
by TresBelle65
Thu Sep 10, 2020 12:16 pm
Forum: Personal Investments
Topic: What to do, if anything, about a single stock (XOM)
Replies: 16
Views: 1788

Re: What to do, if anything, about a single stock (XOM)


If you're still into O&G as this point I'd TLH
. O&G = oil and gas? I have been wondering about the reliability of the XOM dividend.

I shudder whenever I think of employees holding large 401K positions in employer stock. Flashbacks to Enron and Worldcom stories in the news.
by TresBelle65
Thu Sep 10, 2020 9:47 am
Forum: Personal Investments
Topic: What to do, if anything, about a single stock (XOM)
Replies: 16
Views: 1788

Re: What to do, if anything, about a single stock (XOM)

Would you be in a lower tax bracket in retirement,? Yes, quite a bit lower, hence it seems capturing the loss would be more valuable this year, than selling next year. I realize this may be more obvious to others more accustomed to selling. I am a lifelong accumulator, finally beginning to shed or ...
by TresBelle65
Thu Sep 10, 2020 7:12 am
Forum: Personal Investments
Topic: What to do, if anything, about a single stock (XOM)
Replies: 16
Views: 1788

What to do, if anything, about a single stock (XOM)

In the early 90s, as a young'un, I started investing in the market. My first purchase was through the DRIP program of Exxon. I continued to invest and re-invest dividends, through the years. About 15 years ago, I stopped buying with outside money, only re-investing dividends. I've paid far for more ...
by TresBelle65
Sat Sep 05, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Moving to Florida - Cost Categories
Replies: 15
Views: 1543

Re: Moving to Florida - Cost Categories

Food and gas - not yet We are paying about $2.30 a gallon right now in Virginia. Due to COVID this has become a minor cost category and in retirement, I expect a few short local trips during the week with some long distance a few times per year. Healthcare, I am covered by my employer's retiree heal...