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The Flying Turtle

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Everything posted by The Flying Turtle

  1. Starting weight 1/1 - 257.7 Weight 1/20 - 249.9 -1.7 pounds this week. It is getting easier to stay away from the junk. Walk/Run every day for at least 40 minutes is becoming a habit. Trying the MAF method and it is hard to go slow, but I am seeing progress. on January 6 I only went about 3.9 miles in an hour keeping my heartrate under 130. Yesterday I went 4.6 miles.
  2. Starting Weight 1/1 - 257 Current Weight - 251 Walked / Ran trying to keep heartrate in the MAF zone. Only missed 1 day due to travel. I did not let working out of town 3 days be an excuse for poor diet or not exercising!
  3. Hi KC, I would not pay down the mortgage with the thought of getting the money back out. My intent would solely be to reduce my monthly expenses. For a very simplified example: Say I need $50k/year to live and in addition my mortgage is $20k/year and I want to retire at 55. I can either save $70k*5 years = $350k or pay off my mortgage and only save $50k*5 years = $250k.
  4. thanks, I did not know that. The major stipulation appears to be that you leave the job at 55 or older. You just have to hope your job isn’t eliminated when you are 54.
  5. I am not sure where I would invest. One option is to pay the mortgage early like others are considering. I do have low risk options in 401k, but I am trying to bridge the gap between now and when I am 59-1/2. I want enough liquid cash so if we both stopped working today we could make it without too much pain.
  6. I was running through this scenario with my wife this weekend as well. We need to begin looking at increasing our available funds between now and the time we hit 59-1/2 (9 years for me). I want to reduce the 401k contribution and invest in low risk products. Even though she agrees with the math, she is leery about decreasing the 401k contribution and investing that money in other places since it goes against everything we have ever been taught.
  7. Did well this week starting Weight Watcher again and initially it was tough cutting out the junk, but after a week it is getting easier. I am trying the Purple plan but I am skeptical of the additional carbs allowed. I may go back to the blue if this doesn't show the desired results. Also walk / ran every day for 40-60 minutes. Trying to adhere to the MAF plan that has been explained in here and that allows me to go longer than in the past. I am anxious to see if my speed improves in the long run. Starting Weight 1/1 - 257 Current Weight - 254 Even though I hit 252 at one point I am happy with losing 3 pounds to kick off the new year.
  8. Thanks, I saw that idea. I have to look into my existing plan to see if they allow it.
  9. Thanks Wilked, If I am reading this right my rollover 401k would be counted in the calculation for taxable percentage. Thanks for the heads-up.
  10. Thanks, I do have an old Roth and rollover in one account I would open a new IRA and then Roth with a different company just for this conversion.
  11. Quick question on a back door Roth. if I open an IRA today for $6000 with post tax money and convert it a Roth tomorrow will I have to pay tax on the $6000?
  12. I decided to ignore Waze at Disney last week Because I knew better and ended up adding 10 minutes to a 30 minute trip. Of course the entire way the wife was keeping me updated on what Waze was telling me to do AND the time I was adding.
  13. The best part about gaining weight is that you see FAST results when you start eating right again. Dec 31 - 257.8 Jan 2 - 253.7 Shooting for 245 by Feb 1, 230 by Memorial Day.
  14. People using Natty to refer to the National Championship game.
  15. If anybody is considering a new doorbell for a Christmas present do not buy the Arlo. Last year we bought an Arlo doorbell because we already have the Arlo camera system. Since it uses the existing camera the price was under $100 which was much less than the Ring. Plus it would all be connected and simplify my life. Unfortunately the thing is a piece of junk. It takes anywhere from 10-30 seconds to connect, the volume is so quiet the person at the door can't even hear you and most importantly it rarely connects to the camera. Since this is made by Netgear the repeated attempts to fix it using the online support have been fruitless. This week I decided to buy a Ring doorbell since it was on sale at Costco and give it a try. I installed it last night and am amazed at how much better the performance is that the Arlo. The connection takes less than 5 seconds and the volume and video are much clear.
  16. What am I missing on Roth IRA's? The income limit for a married couple is $199,000, right? How do all of you guys making FBG money contribute to you Roth? Am I misunderstanding the limits?
  17. One of the. Busiest times to visit. Expect very long lines for everything. Over 4 hours for the big rides is not uncommon.
  18. I bought the EERO system on Prime Day and so far I am very happy with the results. Very simple set-up and wifi coverage in the far parts of the house is much better. Much better speeds than the extender we were using previously.
  19. But there were no Robocalls or Telemarketing, so the person calling was probably really trying to reach you.
  20. You only need to stay onsite at Universal for 1 night to get the Express Pass for 2 days. You go to your hotel in the morning, check in and get your tickets with the pass, but your room will not be available yet. You come back whenever you want to get the key to your room.
  21. I don't know a lot about guns, but I think there is a difference between rifles used for hunting and assault rifles with 100 round magazines. I don't see any reason to ban single-shot hunting rifles.
  22. Come on Jack, get through this!
  23. YouTubeTV has HGTV and all of the local channels too.