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  1. RetireBy90

    Renaming Apple Air Tags

    So we got a deal and got 4 Apple AirTags. We used then for. Trip, one for each of our suitcases and carry on bags. Now i use one for tha r, when I forget where I parked, and 2 for our suitcases. My question is how can you rename the AirTags? We use them primarily as above, but would be nice to...
  2. RetireBy90

    Bible Museum in DC

    Just visited the Bible Museum in DC today. Turns out it is a great museum. We spent about 5 hours including a short lunch (limited menu, not great) and could have done another 2 or 3 hours. 5 floors of displays, several short movies and even had a rabbi there answering questions today (I’m not...
  3. RetireBy90

    Who gets paid if we have shutdown

    I'm sure this has been covered here before but I didn't see it in a search. If there is a government shutdown, who still gets paid ? SS Military Retirement Govt retirement and any other payments from federal govt Thanks
  4. RetireBy90

    Tallin Estonia/Helsinki

    We plan a couple days n Finland and one day in Tallin Estonia April 24. Any one been there, what should we see? Kinda close to old Soviet Union for me but DW wants to do a day trip. Finland ideas ?
  5. RetireBy90

    IRS Pushed to Offer Free Online Tax Filing

    I read yesterday online and read n the WSJ this morning that IRS is considering a free online tax file option. Would you continue to use your favorite software or use the IRS option ? Would you continue to pay a pro to prepare and submit your return, if that is your practice today ?
  6. RetireBy90

    Are Roth Withdraws Part of MAGI ?

    I have read about how any untaxed SS and tax exempt interest income that are not taxable are added back in to your taxable income to figure your MAGI for Medicare IRMAA. SSA says just line 10 plus 2a, at https://secure.ssa.gov/poms.nsf/lnx/0601101010 but wanted to see if this was a gloss over of...
  7. RetireBy90

    Upscale cruise lines

    We want to visit France and specifically Normandy. I like the idea of a cruise for various reasons. I’m looking for any recommended cruise lines that tend to be more adult than families with kiddies. We are already looking at Viking, any other suggestions would be appreciated.
  8. RetireBy90

    Navy FCU new 5% 15 Month CD

    I was in the Navy FCU today and they told me about a special rate of 5% on a 15 month CD starting 9 Jan. I didn't see anything on the web site. Supposed to be $50 minimum and no max. Still less than inflation but much better than my current CDs.
  9. RetireBy90

    Can I QCD from inherited IRA ?

    Quick question, I have a small inherited IRA with RMD of about $2K this year. Can I take the RMD with QCD ? I’m 66 currently. Thanks
  10. RetireBy90

    Timing of Covid Boosters - Max my Protection

    We have a trip planned for March outside of US. We have 2 boosters so far, and I expect another booster to be available this fall. So last guidance was a booster 6 months after the last one so we got 2nd booster in April. I want to max my protection in March. If we get a booster in Oct, 6...
  11. RetireBy90

    Roth Withdraw Question

    Quick question, if (or when) you withdraw from a Roth do you still get numbers on your 1099R or since non taxable transaction is it like moving money from your cash account ? Thanks in advance
  12. RetireBy90

    National Army Museum at Ft Belvoir, VA

    Just wanted to pass along to those in Northern VA or surrounding areas along with any passing through these parts. We visited the National Army Museum yesterday (3 July). The entrance was typical Army, no I couldn't bring my pen knife of 2". Back to the car to deposit it. Then Tobacco free so...
  13. RetireBy90

    1099 for QCDs

    I was reading Ed Slott's site just now and found a piece on QCDs A Dozen QCD Facts at https://www.irahelp.com/slottreport/dozen-qcd-facts It ended with the following: "And a bonus QCD fact: There is no code on a 1099-R that indicates a QCD." Question for those that have used QCDs, how are...
  14. RetireBy90

    Another Rental Property Question

    Another rental property question So assume I have a house in Reno purchased for $242K and set building at $183K for depreciation of $6,654 each year. I am thinking of a 1031 or Starker exchange. So assume I sell Reno for $600K If I buy a replacement for $601K how do I depreciate on new...
  15. RetireBy90

    Yet Another SS Question

    So I'm easily confused so please bear with me. 2 SS questions I wanted to confirm my understanding: 1) Wife started SS at FRA of 66. Gets about $1,500. Husband waiting till close to 70, with projection of $3,500 at 70. Can husband now 66 file for spousal and draw $750 a month and then switch to...
  16. RetireBy90

    Future of Economy and Inflation

    So I've been thinking about the current economy and inflation. Several problems have been involved to bring us to where we are today and where the economy will go from here. We have all the financial responses to Covid which have increased the money floating around (used to be M2); we have...
  17. RetireBy90

    Yield Inversions

    Hi All, hoping to get some education from the many wise here. Lots of talk about inversion of yields where shorter term are higher than long term. I understand why longer should be higher yields, more risk of unknown demands higher payback. I also understand why an inversion is a troublesome...
  18. RetireBy90

    Any Wood Workers Out There ?

    Looking for some understanding if you could assist. I'm doing some flower boxes for our back yard and deck. I have built 2 boxes so far, but I found that rain and cold caused them to warp a bit. Go figure :). So I started with using our deck stain/sealer on them but then I was thinking about a...
  19. RetireBy90

    Problems with Login to SSA.Gov

    Is anyone else seeing problems with accessing the ssa.gov site ? I try to login and get userid/password page, goes to the 2nd page where I enter the code emailed to me, and then I get the click to accept terms and then it goes back to userid/password page. Been a couple days now. I'm normally...
  20. RetireBy90

    Are you planning for proposed tax changes

    Are you making extra Roth conversions this year ? With proposed tax changes are you doing anything different as far as Roth conversions or any other moves to anticipate changes in tax rules ? How are you planning for proposed removal of SALT limit ?
  21. RetireBy90

    Virginia Income Tax Problem

    Just spent an hour on the phone with Virginia tax man. I made a mistake, included my tax payment to go with the 2019 tax return as a 2020 estimated tax payment. OK, so my bad. But numbers still didn’t add up with what they have. Turns out an Army pension has $600 withholding ($50/month) and they...
  22. RetireBy90

    Average Retirement Balance for 60s

    Just skimmed an article on Motly Fool at https://www.fool.com/retirement/2021/03/11/heres-what-adults-in-their-60s-have-saved-for-reti/?source=eptyholnk0000202&utm_source=yahoo-host&utm_medium=feed&utm_campaign=article I know it is a skag site, but found this interesting Sounds like 60...
  23. RetireBy90

    Adding DS to realestate title

    Wanted to get the take from those with a legal background or experience. I was executor for mom's estate and I had setup transfer on death and beneficiaries on all her accounts (bank, brokerage, CU). We of course had paperwork to fill out but it went rather well. I have setup beneficiaries on...
  24. RetireBy90

    Jan 2021 Jobs Report

    So the jobs report for Jan 2021 came out this morning. Reported 49,000 more jobs but all the talking heads seem to be saying these were poor numbers. I'm looking at Dec with a loss of 227,000 jobs and seeing we were in the height (or depth) of the latest Covid/Corona numbers. (source of...
  25. RetireBy90

    Boston College says TIRA over Roth ???

    Just read piece about a Boston College study Saying the general public might just be better with a traditional IRA and the tax deduction at your current rate. https://www.marketwatch.com/story/dont-contribute-to-your-2020-ira-until-you-read-this-11608051128?siteid=yhoof2 I'm still telling...
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