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Re: Why do people use age instead of life expectancy?

Even more than age, life expectancy changes over time. From various sources, my life expectancy at birth was about 66 or 67 years, but I've outlived that by some time. I am a white woman born in 1941, so had the longest life expectancy of any demographic group. Life expectancy changes every year, an...
by Jeanz
Sun Oct 19, 2014 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why do people use age instead of life expectancy?
Replies: 43
Views: 2948

Re: How to stop collection for an invalid debt

When I worked as a public librarian long ago the library worried about adverse publicity because it depended on public funding.
by Jeanz
Fri Aug 01, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: How to stop collection for an invalid debt
Replies: 31
Views: 2037

Re: Helping My Grandmother

One thing you or your parents might do is make sure that she's aware of any programs that might help her. A place to start is with the county, which should have an "agency on aging" or a "division of senior services" or something of the sort. She might be eligible for a heating s...
by Jeanz
Tue Jul 22, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Grandmother
Replies: 54
Views: 3430

Re: Retirement age for software engineers

I retired almost entirely at 65 years and eight months, my Social Security Administration "full retirement age". It was my choice, and I did some work later on the same government contract as a casual employee, stopping only when a year or so later I broke both wrists. If I'd recovered ent...
by Jeanz
Sat Jul 05, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 10452

Re: Please explain a 3% SWR to me

That probably why most things seems to use a 30 year retirement model. That's what I find puzzling. The Social Security mortality tables, if I'm interpreting them correctly, make it possible to compute the probability of surviving to, say, 96, 30 years after a retirement at 66. The tables I found o...
by Jeanz
Thu Apr 24, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Please explain a 3% SWR to me
Replies: 92
Views: 22862

Re: taxes done and…why is my spouse working?

Your wife needs to think about her own future before she makes a change. What is her potential career path if she keeps her job, and what happens to it if she leaves it, even if she keeps working under more casual terms? Please don't take offense if I mention that divorces do happen in spite of the ...
by Jeanz
Sat Feb 15, 2014 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes done and…why is my spouse working?
Replies: 90
Views: 9226

Re: What did you do with unwanted baby gear?

The St. Vincent de Paul Society once came and collected a refrigerator that my mother insisted had to be donated instead of trashed. In that case, though, I suspected that they might have been doing her a special kindness by taking it away; I never knew. I had called her parish and asked; if you're ...
by Jeanz
Mon Jan 06, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: What did you do with unwanted baby gear?
Replies: 22
Views: 1306

Re: How much do you spend on books a year?

Project Gutenberg I use all the time on my Nook e-reader. The epub format works well; I don't notice a difference between the Project Gutenberg books and the ones from the library. Our public library has a very limited collection of older materials, but Project Gutenberg and Google Books make many t...
by Jeanz
Sun Jan 05, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 2079

Re: career guidance, new to US, husband is radiology residen

For a long time a good bet for someone looking for a first job was a temporary employment agency; that was especially true for someone with even minimal office skills. Do you know Excel and MS Word? Even if you don't, you could learn enough to use them either on your own or with an adult-education o...
by Jeanz
Fri Oct 18, 2013 3:50 pm
 
Forum: Personal Consumer Issues
Topic: career guidance, new to US, husband is radiology resident
Replies: 23
Views: 3262

Re: New Tablet

Another recommendation for the Nook HD; I have the smaller, 7-inch tablet, and I'm happy with it.
by Jeanz
Fri Oct 18, 2013 3:07 pm
 
Forum: Personal Consumer Issues
Topic: New Tablet
Replies: 20
Views: 1847

Re: Lead paint inspection prior to home purchase?

If you have it inspected and the lead paint is only on windows and doors, the simplest thing to do is to replace the windows and doors. The problem with just repainting them is that the paint gets scraped as the window sash moves up and down or the door opens and closes. The replacement should still...
by Jeanz
Wed Oct 09, 2013 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Lead paint inspection prior to home purchase?
Replies: 18
Views: 939

Re: Mouse in House

The problem with a glue trap is that if it works you have a live mouse stuck to the trap. I understand that you can remove them with cooking oil, but then you have to spend some time in close contact with the mouse. I'd rather use an old-fashioned snap trap, even though they kill, because at least t...
by Jeanz
Sun Sep 29, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: Mouse in House
Replies: 50
Views: 3350

Re: Easy-to-use MP3 Player for Senior

Some headphones, particularly high quality audiophile headphones, have low sensitivity and small portable devices may not provide enough drive to get sufficient volume out of them. You'd think this would all be standardized, but it isn't. This is new information to me, so I guess I've been lucky. W...
by Jeanz
Mon Sep 23, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 3530

Re: Easy-to-use MP3 Player for Senior

There are a number of larger devices advertised on Amazon that play either CDs or MP3s, so you could investigate those and see if you think they'd seem more familiar. I have a Sansa Fuze, and I think it relatively easy to handle for something tiny. if your mother can still thread a needle, for insta...
by Jeanz
Mon Sep 23, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 3530

Re: Easy-to-use MP3 Player for Senior

I dropped my Nook ereader (in its case, and I was sitting down) without breaking it; after all, it doesn't weigh much to begin with. I have not (yet) dropped the Nook HD.
by Jeanz
Mon Sep 23, 2013 4:29 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 40
Views: 3530

Re: $350 HDMI Laptop Acer Aspire V5-131-2629.

Some years ago I bought an Acer Aspire One AO722-BZ84, not for streaming, but for use when we travel. Late last year I bought a Mediabridge HDMI cable to see if I could use it for streaming video; as I recall I tried a video from PBS. It worked right away, but we haven't actually used it a lot for o...
by Jeanz
Mon Sep 23, 2013 1:24 pm
 
Forum: Personal Consumer Issues
Topic: $350 HDMI Laptop Acer Aspire V5-131-2629.
Replies: 9
Views: 1019

Re: Father left my Mother Suddenly, Need advice

If his pension is subject to ERISA, as most are, while they are married she has rights under Federal law to a survivor annuity, I think half. He can waive the survivor annuity if she consents, as in this case she shouldn't. While they both live, or if they divorce, I believe that she needs to obtain...
by Jeanz
Mon Sep 23, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Father left my Mother Suddenly, Need advice
Replies: 64
Views: 9968

Re: Affording stay at home parent

Jeanz, to some extent I don't disagree; I was "torn between a desire for career advancement and a wish to spend more time with the family," but I never felt as though I should feel guilty for working. What I usually say from my elevated perch as grandmother is "All mothers feel guilt...
by Jeanz
Mon Sep 16, 2013 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7530

Re: Android Tablet

SpringMan wrote:[
+1. Another happy Nook HD+ user here.


Nook HD for me. It lets me load apps from Google Play, lets me create separate limited accounts for grandchildren, and fits in my purse. It still surprises me that so many businesses offer free Wi-Fi, but I'm happy to use it.
by Jeanz
Mon Sep 16, 2013 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3617

Re: Affording stay at home parent

At the risk of being sexist/gender-specific, in my limited but observant life I have met many mothers who were held back because of "guilty" feelings about working outside the home; I have yet to meet a single father who felt that way. I have certainly met men who were torn between a desi...
by Jeanz
Mon Sep 16, 2013 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7530

Re: Affording stay at home parent

One thing many women of retirement age regret is losing the opportunity to maintain their own retirement benefits. Divorced women, especially, are likely to find the half Social Security benefit inadequate, and, given a reasonable divorce arrangement, their ex-husbands and any subsequent wives suffe...
by Jeanz
Sun Sep 15, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7530

Re: Robotic vacuum cleaner

I have been using various Roombas for almost ten years. The floors are mostly hardwood, with a few area rugs, and the Roomba, if it's run often enough, keeps them remarkably clean. The area rugs go out to be washed occasionally, but that had to be done no matter what kind of vacuum we used. One has ...
by Jeanz
Sat Sep 14, 2013 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Robotic vacuum cleaner
Replies: 45
Views: 4633

Re: Affording stay at home parent

For a woman who is thinking of becoming a stay-at-home mother, I would suggest very seriously that she avoid a gap in her resume. I was able to do this forty years ago by taking on serious volunteer work and going in for further education. Even so, returning to the job market was difficult and stres...
by Jeanz
Sat Sep 14, 2013 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affording stay at home parent
Replies: 74
Views: 7530

Re: Federal Retirees: Why Medicare?

We have both Medicare and BCBS Standard through the Federal Employee Program, and, while I haven't done the math, there have been one or two very expensive surgeries between the two of us. I'd do it again in a minute.
by Jeanz
Thu Sep 12, 2013 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees: Why Medicare?
Replies: 58
Views: 6404

Re: Tracking Donations

I've never tracked donations before, but I did use It's Deductible to estimate the value of one donation of women's clothing. That was in April, when the taxes were still in my mind. Eleven items, including one suit that's appropriate for business wear, sixty-eight dollars. I used the "medium q...
by Jeanz
Mon Sep 09, 2013 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tracking Donations
Replies: 25
Views: 1372

Re: Some things a teen could do to help out parents college-

If you have excellent grades and scores, look into colleges that offer merit scholarships.
by Jeanz
Tue Aug 27, 2013 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Some things a teen could do to help out parents college-wise
Replies: 74
Views: 5207

Re: assisting a retired parent, any financial tips?

Is there an area agency on aging where you live? That organization should have information about help for low-income seniors, housing, nutrition, and so on. Some benefits depend on the state or even the city or county, so it would be worth inquiring. There is also a Web site http://www.benefitscheck...
by Jeanz
Tue Aug 27, 2013 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: assisting a retired parent, any financial tips?
Replies: 10
Views: 915

Re: Social security survivor benefits question

Some of your posts suggest that one or the other of you might become disabled, and while I'm sorry about that, you might want to look at the requirements for benefits for a disabled surviving spouse. Social Security benefits are available to disabled workers, as well, although I think they're small.
by Jeanz
Fri Aug 23, 2013 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social security survivor benefits question
Replies: 37
Views: 2273

Re: Best E-Reader: Kindle, Nook or?

Google books and Openlibrary.org are other good places to look for free public-domain books. Both also include works still under copyright, so that only snippets are available, but that can be useful if you're doing light research. Both Barnes & Noble and Amazon offer some free books for their e...
by Jeanz
Fri Aug 09, 2013 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Best E-Reader: Kindle, Nook or?
Replies: 46
Views: 4328

Re: What do I owe my children?

Sam I Am said it first, but as you try to decide how to handle gifts to your children I hope you remember that even people who seem to be financially secure are subject to the whims of fortune. Divorce, illness, disability, a child with expensive special needs -- all these things could happen to eit...
by Jeanz
Wed Aug 07, 2013 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do I owe my children?
Replies: 119
Views: 10076

Re: Best E-Reader: Kindle, Nook or?

I use my Nook Simple Touch all the time. Mostly I borrow books from the library or get older things, like Victorian fiction, from Project Gutenberg. The Nook HD and HD+ are real bargains now; I just got one, and the apps that I have installed from Google Play are working well. Access to Google Play ...
by Jeanz
Sun Aug 04, 2013 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Best E-Reader: Kindle, Nook or?
Replies: 46
Views: 4328

Re: Your take on layaway

My experience with thrift stores is that long pants for boys over two or three just aren't available, nor are children's pajamas. Fortunately, when my children were young patches were in fashion, but I think that is no longer true. I haven't seen inexpensive fabric in years, either, and children sti...
by Jeanz
Sun Jul 28, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Your take on layaway
Replies: 40
Views: 2408

Re: "Helping" kids out...well, some of them.

You're absolutely right, except that this might be off-topic for a financial forum. For myself, I hope that my grown children will be able to look after themselves, but, also, that if they are in need of help, that I will be able to help them.
by Jeanz
Wed Jul 24, 2013 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Helping" kids out...well, some of them.
Replies: 58
Views: 6329

Re: "Helping" kids out...well, some of them.

The more comments I read, the more convinced I am that neither of my kids needs to know what we do with our money. I do hope to leave them something, but if I thought they considered it theirs I'd set up a scholarship in my father's name instead.
by Jeanz
Tue Jul 23, 2013 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Helping" kids out...well, some of them.
Replies: 58
Views: 6329

Re: "Helping" kids out...well, some of them.

My own parents and my husband's never had enough money to give us significant amounts, so we have no precedent. We have each given our children relatively modest amounts, but if the money went to my daughter I never mentioned it to my son, and vice versa. Do they each have an interest that I need to...
by Jeanz
Mon Jul 22, 2013 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: "Helping" kids out...well, some of them.
Replies: 58
Views: 6329

Re: Roomba vacuums

Love my Roomba, but the house is mostly hardwood, with area rugs that go off to be washed once a year (or thereabouts). I've been through several, because they don't last forever, but I haven't found maintenance quite as time-consuming as some people have. We have lots of open space, and if I Roomba...
by Jeanz
Mon Jul 01, 2013 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Roomba vacuums
Replies: 46
Views: 4208

Re: Hearing Aids

I included the cost of my hearing aids (the non-reimbursed part, that is) in my medical expenses a couple of years ago, and, as it worked out, we did have a medical deduction after subtracting the required percent of our income. So it's worth looking at the IRS Web site to find the current regulatio...
by Jeanz
Mon Jul 01, 2013 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6618

Re: Emergency Room Visit -- HDHP

At McDonald's they post the prices over the counter -- or, at least, they did on my last visit, which was several years ago. One problem with looking at medical care as a consumer good is that we rarely know the prices in advance, and even if we do, unless we're very unlucky we have too little exper...
by Jeanz
Wed May 22, 2013 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Room Visit -- HDHP
Replies: 58
Views: 4650

Re: Advice for Surgicenter bill for colonoscopy

If his attempts to negotiate the bill are unsuccessful, it might be worth consulting with the office of the Attorney General. http://www.surgistrategies.com/news/2012/06/new-york-healthcare-patients-receive-refunds-due.aspx In another state, the OAG was very helpful when I switched from private insu...
by Jeanz
Thu Apr 11, 2013 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for Surgicenter bill for colonoscopy
Replies: 45
Views: 4326

Re: Capital One Fraud Dept called me. Closed cc account

Of course you protested under the fair credit billing act and they took it off. I certainly reported it, but I don't know if it was under the fair credit billing act or not. I telephoned the number on the back of the card, then wrote to the address that the statement gave as the address for reporti...
by Jeanz
Wed Mar 27, 2013 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Fraud Dept called me. Closed cc account
Replies: 24
Views: 3998

Re: Capital One Fraud Dept called me. Closed cc account

The same thing happened to me in January. Unfortunately, Capital One accepted a fraudulent transaction against the old number some weeks after they had theoretically canceled it. How that happened I don't know, because they had already stopped a legitimate one. You might want to keep a close eye on ...
by Jeanz
Tue Mar 26, 2013 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital One Fraud Dept called me. Closed cc account
Replies: 24
Views: 3998

Re: Repetitive Stress Injury...Need Financial/Career Advice

I had a similar, though shorter-lived, problem, and since what gave me trouble was the mouse and not the keyboard I was able to use a Fellowes touchpad instead. This was some years ago, but I think they are still available. Oh, yes -- the other things that helped were braces (available without presc...
by Jeanz
Thu Jan 24, 2013 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Repetitive Stress Injury...Need Financial/Career Advice
Replies: 8
Views: 918

Re: Investing Social Security

Does the desire to leave an inheritance to children or grandchildren make a difference?
by Jeanz
Mon Oct 15, 2012 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Social Security
Replies: 29
Views: 2060

Re: SSN benefit question

What little she paid in will be more than made up for with what she gets out. But then, it's fair that she should get something if she's taken time out to raise kids, so that's why looking at it as "her contributions" does not take into account the whole picture. My spousal benefits were ...
by Jeanz
Fri May 11, 2012 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: SSN benefit question
Replies: 11
Views: 953

Re: I'm worried about my dad getting spammed to "invest"

If he is using an email client you could try the forwarding options from gmail. You could leave the messages in the inbox so that you could monitor them and set up filters where you thought best. What it would do with the spam I don't know, but I'd be kind of surprised if it sent it to the client's ...
by Jeanz
Tue May 01, 2012 7:49 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 14
Views: 843

Re: Signing up SS; birth certificate question

When I started working they did, because I was under eighteen. Even then, I did pay Social Security taxes, but it was too early for Medicare.
by Jeanz
Tue May 01, 2012 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up SS; birth certificate question
Replies: 18
Views: 1290

Re: Signing up SS; birth certificate question

What I have been told is that in 1940 my grandmother showed a document that gave her family permission to leave Germany many years earlier. It listed her name and age among the children.
by Jeanz
Tue May 01, 2012 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up SS; birth certificate question
Replies: 18
Views: 1290

Re: Retirees: How to add $340,000 to retirement savings

In my state and county, people over 62 with low incomes get a break on property taxes. I think there may be help available to pay for utilities as well. That might explain the number of older widows who hang on to their houses; if you looked at all sources of income, it might make sense economically...
by Jeanz
Mon Apr 30, 2012 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Retirees: How to add $340,000 to retirement savings
Replies: 65
Views: 6810

Re: Podcasts & Similar

You could also look at audiobooks at Project Gutenberg:

http://www.gutenberg.org/browse/categories/1

for the ones read by people, that is, not computer-generated.
by Jeanz
Tue Mar 13, 2012 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Podcasts & Similar
Replies: 16
Views: 825

Re: How to protect assets from partner's addict daughter?

Since the discussion has already gone this far, let me suggest another issue for you to consider carefully, and ideally something for you to discuss with someone qualified to offer counseling. After five years, do you feel any ethical obligation toward your partner, and, since the daughter must have...
by Jeanz
Tue Feb 28, 2012 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to protect assets from partner's addict daughter?
Replies: 94
Views: 6779
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