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Re: Costco:is it worth it for just two people?

Costco jeans are the absolute cheapest around and are superb quality. Ah, yes, the jeans. My uniform for all seasons for the past umpteen years includes Gloria Vanderbilt jeans from Costco. Wore them to work just about everyday. I always have 3-4 brand new pairs of jeans in waiting ... labels still...
by anncatchingup
Sun Aug 31, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 93
Views: 4703

Re: Kaiser vs Blue Shield

I find it interesting that none of the Kaiser-favorable responders have reported on long-term disease management problems. I have Multiple Myeloma, which is a cancer of the blood plasma. I have lived with it for 5 years. There is no cure, and I will likely die from complications due to the cancer. ...
by anncatchingup
Thu Aug 21, 2014 1:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5051

Re: Kaiser vs Blue Shield

I worked for nearly 30 years in the acute healthcare field, first as a nurse and later in the quality assurance, utilization review, and medical staff services departments. I worked in small and large community and private hospitals and saw the good, bad, and ugly in healthcare. In fact, part of my ...
by anncatchingup
Wed Aug 20, 2014 1:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Kaiser vs Blue Shield
Replies: 83
Views: 5051

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

One of my dilemmas is that on the 2014 model with eyesight and push button start comes with a beautiful saddle brown leather that I really like. We replaced a 97 Camry with this 2014 Special Appearance Package Outback last August. The safety features were one of our most important priorities, espec...
by anncatchingup
Sat Jul 19, 2014 1:31 am
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 46
Views: 5051

synthetic motor oil?

I have the first service (oil change, filter, tire rotation) scheduled tomorrow for our 2014 Subaru Outback. The owner's manual recommends synthetic motor oil. Do any Bogleheads have any thoughts about whether or not this is worth the extra expense?

Thanks for any feedback.

Ann
by anncatchingup
Fri Jun 20, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1219

Re: How much SS at 70 if I retire at 66?

sscritic wrote:
for which you were employed in work not covered by Social Security

Who had the job?



Got it. Learned a lot in this thread and got more than my original question answered. Thanks again for all your help.

Ann
by anncatchingup
Sun May 18, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

Re: How much SS at 70 if I retire at 66?

This is all very helpful. This may be a really dumb question, but -- is my social security benefit affected in any way by his government pension? If he predeceases me, am I GPOed? Nope. Only the person with the non-covered pension is affected. His own is WEPed, and his husband's and widower's is GP...
by anncatchingup
Sat May 17, 2014 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

Re: How much SS at 70 if I retire at 66?

[ I paid into social security all my working life, so my pension won't affect my benefit. However, I don't know how his WEP reduced-benefit would be affected if I predecease him. His WEP computed (not reduced) benefit is irrelevant, except to the extent it is larger or smaller than what he can coll...
by anncatchingup
Sat May 17, 2014 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

Re: How much SS at 70 if I retire at 66?

Ann, you just threw very important information into the discussion that we didn't have before. With a married couple there are different ways to calculate the benefit. The age of each of you is important. The earnings history of each of you is important. The difference in your ages also matters. Th...
by anncatchingup
Sat May 17, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

Re: How much SS at 70 if I retire at 66?

Wow. Thank you all for being so helpful, particularly sscritic. :happy With your help, I figured it out. I am not going to work until I'm 70, so it's nice to know it won't make a huge dent in my benefit. However, I will go to the social security calculators and check out some different scenarios, es...
by anncatchingup
Sat May 17, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

How much SS at 70 if I retire at 66?

How much of an adjustment should I make to my projected social security payment at 70 if I retire at 66? I know that the estimated benefit presumes I will continue to work until 70. However, I want to retire at 66 and not claim my social security benefit until I turn 70. I don't need to know exactly...
by anncatchingup
Thu May 15, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much SS at 70 if I retire at 66?
Replies: 37
Views: 2611

Can I contribute to spousal Roth IRA?

My husband is 71 and retired. He is taking RMDs from his traditional IRAs. I am still working, but plan to retire in September. We both have Roth IRA accounts. I contributed the max for this year into my Roth account. Since I am still working, can I also contribute the max into his Roth IRA account ...
by anncatchingup
Sat May 10, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to spousal Roth IRA?
Replies: 3
Views: 448

Re: How are earnings from IRA taxed?

OK, thank you all for your input. I get it. Anything taken out of an IRA is taxed as ordinary income. What I'm surprised about is the wash sale thing applying to reinvesting dividends. So if we reinvest dividends in our taxable Total Stock Market Fund and take an RMD from hubby's Total Stock Market ...
by anncatchingup
Sat May 10, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How are earnings from IRA taxed?
Replies: 9
Views: 1367

How are earnings from IRA taxed?

I've always had earnings in retirement accounts reinvested to buy more shares. Now that I'm retiring this year (at 66), I'm wondering if I should just have all dividends and capital gains paid out to me instead of reinvested. If I do, how are they taxed? Are they taxed like regular income or at the ...
by anncatchingup
Thu May 08, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How are earnings from IRA taxed?
Replies: 9
Views: 1367

Re: How to start tracking finances

I've used Quicken for years (decades?) and I love it. I love the ease in tracking and totaling categories of earnings and expenses. I don't download account information anymore; I enter everything manually. I pay for most household expenses on a credit card for the rewards and pay the balance every ...
by anncatchingup
Sun Apr 20, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to start tracking finances
Replies: 25
Views: 2774

Re: Where to put RMDs in budget?

Thanks to all for your responses. I agree that counting the RMDs as a transfer would be best. Dividends count as earnings. I've been reinvesting them so far, so that goes as an expense into investments. Taxes on the RMDs will count as an expense.

You Bogleheads are so helpful! :D

Ann
by anncatchingup
Sun Apr 20, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1104

Where to put RMDs in budget?

I keep track of our income and expenses using Quicken and my own Excel spreadsheet. (I'm probably too exacting with it, but that's another story and I plan to simplify things in retirement. I like to see what's coming in and what's going out...) My husband starting getting his RMDs from his retireme...
by anncatchingup
Sat Apr 19, 2014 2:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1104

Re: washing machine - front loader or HE top loader?

Thanks for all your thoughtful responses. There doesn't seem to be one type or brand of washer that satisfies everyone. It seems it's a gamble either way. We couldn't find a plain agitator washer that had a decent capacity; not much to choose from. We ordered a front loader set. Hope we didn't make ...
by anncatchingup
Mon Mar 03, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 4258

washing machine - front loader or HE top loader?

Our 15+ years old Kenmore washer broke down and it's not worth it to repair. We've reviewed Consumer Reports for recommendations. Can't decide between a front loader or the high efficiency top loaders (the ones without the agitator). We don't need all the bells and whistles, but do want a large capa...
by anncatchingup
Sun Mar 02, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: washing machine - front loader or HE top loader?
Replies: 52
Views: 4258

Adopting a rescue greyhound

My husband and I have no pets. He retired this year and I plan to retire next year. We're thinking of adopting a rescue greyhound. We've been interested in getting a rescue dog for quite awhile and have done some research on this breed in particular. Haven't done it before when we were both working,...
by anncatchingup
Mon Dec 30, 2013 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Adopting a rescue greyhound
Replies: 17
Views: 1026

Social Security benefits estimate question

I have a social security benefits estimate question. I am 65 and plan on retiring at my full retirement age of 66. I do not plan on filing for my social security benefit until I turn 70. On the current social security benefits estimate letter, it tells me I will collect $A when I turn 66 and $B when...
by anncatchingup
Tue Oct 15, 2013 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits estimate question
Replies: 8
Views: 675

Help for cleaning my windshield, please!

Can someone tell me how to clean water spots and other deposits off a car windshield and windows? I have a new Subaru Outback. The windows already are spotted from washing with hard water. I also have some fine, shiny spray-like deposits on the windshield. Both of these cause glare and reduced visib...
by anncatchingup
Tue Oct 08, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Help for cleaning my windshield, please!
Replies: 29
Views: 3203

Re: sleep number beds

my wife and i are thinking about switching to sleep number bed . anybody own one Owned a king sized Sleep Number for about 10 years. We love it. Never had any problems and it's comfortable. My wife appreciated it while she was pregnant and able to change her settings as needed . With the adjustable...
by anncatchingup
Thu Aug 22, 2013 12:27 am
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 2931

Re: Honda CRV or Subaru Outback?

To the OP: We have owned 4 hondas and 2 subarus from the late 80s to now (currently '04 Accord and '09 Forester). All fine cars. In this price range from these two makes the quality differences will likely be small. So this is not about quality or price at this point. Not really, though like arguin...
by anncatchingup
Fri Aug 16, 2013 12:39 am
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 14220

Re: help me understand new car buying

I was able to check the inventory online for all the dealerships in the area for both Subarus and Hondas. It saved me a lot of driving around. I would also suggest using the Costco car buying service (if you belong to Costco) or Consumer Reports Build and Buy Program (it's online and free). Both of ...
by anncatchingup
Fri Aug 16, 2013 12:22 am
 
Forum: Personal Consumer Issues
Topic: help me understand new car buying
Replies: 12
Views: 1223

Re: Check your Carfax report!

According to that link, CarFax gets the info from insurance companies & police departments. Therefore, if a car is repaired without involvement of either of those, the repair likely won't show up on CarFax. Dealerships also report mileage to Carfax when service is done. That's how the huge mile...
by anncatchingup
Fri Aug 16, 2013 12:07 am
 
Forum: Personal Consumer Issues
Topic: Check your Carfax report!
Replies: 17
Views: 2543

Check your Carfax report!

We bought a car yesterday and traded in our 1997 Toyota Camry to the dealer in the process. (I know, I know -- we could have gotten a little more from a private party, but we didn't want to go to the trouble for a few extra dollars. We just wanted to be done with it.) Anyway, the dealer runs the Car...
by anncatchingup
Thu Aug 15, 2013 12:46 am
 
Forum: Personal Consumer Issues
Topic: Check your Carfax report!
Replies: 17
Views: 2543

Re: Honda CRV or Subaru Outback?

I want to thank everyone again who shared their experience and advice regarding what car to buy. After all the test drives, research, price comparisons, checking ratings, soul-searching, yadda, yadda, yadda, we finally bought a --- (drum roll.....) --- Subaru Outback ! :D After being loyal Honda and...
by anncatchingup
Wed Aug 14, 2013 1:31 am
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 14220

Do I need the "enhanced" car security system?

We're going to buy a new car soon -- probably a Subaru Outback, maybe a Honda CRV. I believe both cars come with some kind of alarm system built in. However, I noticed at a couple of dealers there were stickers on the windows about "enhanced" security functionality that was extra that coul...
by anncatchingup
Thu Aug 08, 2013 1:06 am
 
Forum: Personal Consumer Issues
Topic: Do I need the "enhanced" car security system?
Replies: 5
Views: 493

Re: Honda CRV or Subaru Outback?

I am a little leery of the 4WD because it does add complexity and cost to maintaining the vehicle, not to mention the extra weight of the tranny and resultant lower gas mileage. Only people who live places with treacherous road conditions really need 4WD, so it's overkill for 90% of drivers. If you...
by anncatchingup
Tue Aug 06, 2013 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 14220

Re: Honda CRV or Subaru Outback?

CRV doesn't directly compare to the Outback, since the former is a 4-cyl and the latter is a 6-cyl. Kinda an apples an oranges. Browser, I should have been more clear. We're looking at the Subaru Outback 2.5i, which is a 4-cyl, so it does compare with the CRV. I appreciate your comments on visibili...
by anncatchingup
Mon Aug 05, 2013 1:09 am
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 14220

Honda CRV or Subaru Outback?

Thanks to all for your thoughtful responses to my previous post on what car to buy. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=120692&newpost=1768307 We did some more research and some more test drives. We've narrowed it down to the 2013 Honda CRV (2WD or AWD? which?) and the 2014 ...
by anncatchingup
Mon Aug 05, 2013 12:25 am
 
Forum: Personal Consumer Issues
Topic: Honda CRV or Subaru Outback?
Replies: 63
Views: 14220

Re: We've narrowed it down: CRV or Outback. Help us pick

Thanks to all for your thoughtful responses. We did some more research and some more test drives. We've narrowed it down to the Honda CRV (2WD or AWD? which?) and the Subaru Outback. We think either of these cars would be more practical for our lifestyle in retirement and the elevated ride and ease ...
by anncatchingup
Mon Aug 05, 2013 12:03 am
 
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 3757

Re: Help us pick a car, please!

Thanks for all your feedback so far. It's really helpful to read everyone's opinions and experiences.

Dave76 wrote:Since you're an elderly couple, perhaps an older car would be more appropriate. ..


Ouch! I know we're getting older, but I don't consider us elderly yet... :shock: :(

Ann
by anncatchingup
Wed Jul 31, 2013 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 3757

Help us pick a car, please.

My husband (at 70) retired this year. I will retire next year (66). We need to replace his 97 Camry in the near future. We want a car that will be good to travel in when we're both retired. (I drive a 2009 Honda Civic, which is a great commuter car, but not particularly comfortable for long drives.)...
by anncatchingup
Wed Jul 31, 2013 12:20 am
 
Forum: Personal Consumer Issues
Topic: Help us pick a car, please.
Replies: 44
Views: 3757

Re: just jump all in with rollover?

[Are you past 59.5 years old? If not, then 457b funds can be withdrawn without penalty while IRAs have a withdrawal penalty before the age of 59.5. What is your current asset allocation taking all of your retirement funds including the 457b? I'm almost 65 and will retire when I'm 66. My husband is ...
by anncatchingup
Sat Jul 20, 2013 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: just jump all in with rollover?
Replies: 8
Views: 578

just jump all in with rollover?

My husband just retired and we're rolling over his 457 to his IRA at Vanguard. We want to simplify the number of accounts and companies we have to deal with in retirement. We're considering splitting it 50/50 Total Stock Index and Total Bond Index since those funds already exist in his IRA. However,...
by anncatchingup
Sat Jul 20, 2013 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: just jump all in with rollover?
Replies: 8
Views: 578

What do you think of this Comcast deal?

OK. Here’s what happened. We have Comcast cable and internet and a local land-line phone. Our cable bill has gone up over the last year from around $100 to $150 per month, as we lost our “promotional” discounts. I’ve been meaning to call Comcast to ask for a rate reduction, but it’s such a long, ted...
by anncatchingup
Sat Jan 26, 2013 1:28 pm
 
Forum: Personal Consumer Issues
Topic: What do you think of this Comcast deal?
Replies: 8
Views: 1237

Calulating RMD, post-tax contributions, and other questions.

My husband will retire mid-year 2013 and also turns 70 1/2 this year and must start taking RMDs from his rollover IRAs, 403B, and 457 accounts. (He can take his first distribution in 2014, but we don't want to defer it and have to take 2013 and 2014 RMDs in the same year.) I understand that his RMD ...
by anncatchingup
Tue Jan 01, 2013 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Calulating RMD, post-tax contributions, and other questions.
Replies: 3
Views: 468

Quicken upgrade (which?) or alternative?

I've used Quicken for many years to faithfully record and categorize all my expenses, investments, etc. My current version is 2006. I haven't downloaded banking or investment information for years; I'm happy with entering that manually. My Windows XP computer died recently and I installed Quicken 20...
by anncatchingup
Thu Oct 25, 2012 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Quicken upgrade (which?) or alternative?
Replies: 5
Views: 672

Quicken inventory program question

I am a long time user of Quicken. My current version is 2006. My Windows XP laptop recently died and I replaced it with a Windows 7 laptop. I loaded Quicken 2006 on it, but I realize it's only a matter of time before I have to upgrade to the current Quicken program. I don't currently download any fi...
by anncatchingup
Sun Sep 30, 2012 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Quicken inventory program question
Replies: 2
Views: 275

Re: computer died? UPDATE!

Thanks to all of you for your great and timely advice! I tried disconnecting the power supply, taking the battery out, reinstalling it, etc., to no avail. The online cables, adapters, external boxes suggested above had some mixed reviews online -- not working well for some -- so I went over to my ne...
by anncatchingup
Sun Aug 12, 2012 7:24 pm
 
Forum: Personal Consumer Issues
Topic: computer died?
Replies: 34
Views: 2852

Re: computer died?

Usually, if you hear a pop you have a power issue. You should remove anything that is plugged into the unit (mice, monitors, etc). You should first try running it just on battery. If that doesn't work, remove the battery and plug it in and see if it works. If that fails, then you have to decide if ...
by anncatchingup
Sun Aug 12, 2012 11:36 am
 
Forum: Personal Consumer Issues
Topic: computer died?
Replies: 34
Views: 2852

Re: computer died?

If it isn't the disk you can pull the disk out, pop it into an external enclosure (you can buy these at places like Newegg or Tigerdirect for $20-30) and access the disk from another computer. You may be able to get to the data although you generally can't use the disk to boot another machine. edit...
by anncatchingup
Sun Aug 12, 2012 1:36 am
 
Forum: Personal Consumer Issues
Topic: computer died?
Replies: 34
Views: 2852

computer died?

Hi all, I was working on my old HP Pavilion XP laptop today when suddenly it made a "ppffttt" little pop and the screen went blank. Uh ohhh. I noticed the light where the power plug went in was no longer lit. It would not power back on. Alas, not everything was backed up. :( I did have my ...
by anncatchingup
Sun Aug 12, 2012 1:13 am
 
Forum: Personal Consumer Issues
Topic: computer died?
Replies: 34
Views: 2852

Re: Books that have actually changed your life, in a way.

The China Study, by T. Colin Campbell. After I read that, I changed to a vegan diet. Other books by Neal Barnard, MD, John McDougall, MD, and Caldwell Esselstyn, MD, followed and confirmed my decision, but it was The China Study that changed my outlook on food forever.
by anncatchingup
Fri Jun 15, 2012 12:41 am
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 10078

Re: Gadgets you use, gadgets you don't, etc.

Things I love: Sansa MP3 player. I poo-pooed these until I got one. Love, love, love it. Use it with good quality earbuds. Worth every cent. Kindle. Wonderful, convenient gadget. Teeter Inversion Table. Got this at Costco. Great for stretching out my back and relieving back and neck strain. Decompre...
by anncatchingup
Thu Jun 14, 2012 1:03 am
 
Forum: Personal Consumer Issues
Topic: Gadgets you use, gadgets you don't, etc.
Replies: 50
Views: 4446

Re: Anyone regret paying off mortgage early?

I've heard/read suggestions from some "financial experts" that one should not be concerned about paying off a mortgage unless one plans to stay in that house in retirement (or forever?). My husband and I are nearing retirement (next 2 years or so), but we don't know that we will necessaril...
by anncatchingup
Sat Jun 02, 2012 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 25237

How long to keep mortgage documents?

We bought our house over ten years ago and have refinanced a couple of times to consolidate and to get a lower interest rate. I have huge file folders with all the loan documents from the original loans and the refinancings. Some of these consist of the applications and the rest the final loan docum...
by anncatchingup
Tue Mar 20, 2012 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long to keep mortgage documents?
Replies: 5
Views: 1301

Re: Calculating tax bracket

...So, unless more info comes to light, or someone finds a flaw in my thinking, I'm thinking you should not do any conversions now except for what you can do up to the top of the 15% bracket. However, I'm not an expert of any kind, particularly taxes. I'm just some idiot on the internet. This is ho...
by anncatchingup
Tue Mar 13, 2012 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Calculating tax bracket
Replies: 12
Views: 1152
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