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Re: The Roosevelts, PBS special

FDR was a very sick man in his third term but that info was kept from the public. He should never have run for a fourth term and the third is problematic too since it defied convention.
by caroljm36
Wed Oct 01, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 102
Views: 7972

Re: Vanguard: "Don't let debt delay or derail your retiremen

so, to retire I need 17X my salary according to the article, and nothing about social security? is it just a given that it won't be there?
by caroljm36
Tue Sep 30, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2153

Re: Any disadvantages of filing for unemployment?

Certainly, the laws and benefits regarding unemployment insurance are going to vary quite a bit from state to state. I don't think the intent of the OP was to launch into a discussion of what is different around the country. But rather he was asking if there are any known "disadvantages" ...
by caroljm36
Fri Sep 26, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2163

Re: Any disadvantages of filing for unemployment?

. Also, if you luck upon a temporary gig that pays for a day or so, you have to report it to the unemployment office, tempting to keep quiet about it, especially if you get paid in cash, but it is taking a big chance. Getting caught is not worth it, so you really have to be scrupulous about followi...
by caroljm36
Fri Sep 26, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any disadvantages of filing for unemployment?
Replies: 22
Views: 2163

Re: Why don't you do Financial Planning?

I don't even want to give free advice because I'm afraid the market would go into retrograde right once they're invested, and so that even balanced fund would take a dump, and the person I advised wouldn't understand, would freak out and want to sell.
by caroljm36
Wed Sep 24, 2014 10:03 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3222

Re: Divestment movement

A similar movement seemed to have some effect on South Africa.

This one could have an adverse impact on the typical index fund if enough grandstanders get into the act. They're trying to bring down the coal and oil business in my state when it's the only thing we have going right now.
by caroljm36
Mon Sep 22, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Divestment movement
Replies: 8
Views: 594

Re: How to clean an acrylic tub?

I have a Kohler tub with a textured bottom area (to prevent slipping). The textured bottom area has always been very hard to clean until I came across a great solution. I make a paste from baking soda and water and then use a scrubbing brush with plastic bristles in tight circular motions to clean ...
by caroljm36
Sun Sep 21, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1161

How to clean an acrylic tub?

My husband installed an acrylic tub last summer that I picked out myself because of its size and shape. I love the thing but I find it hard to clean. I use Comet Softscrub but need something to scrub with that won't scratch the tub. I can't seem to come up with anything and couldn't find any special...
by caroljm36
Sun Sep 21, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 1161

Re: Retiree Next Door

I think a lot of the more recent retirement nightmare coverage usually has some barely mentioned backstory: seniors taking out HELOCs on otherwise paid off houses, or cosigning huge student loans, things like that. If you can make it to retirement without those blunders, you should be okay. As I sai...
by caroljm36
Thu Sep 18, 2014 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Retiree Next Door
Replies: 26
Views: 4406

Re: Any success stories of ppl who never made >$50,000?

I think lower income get a little paranoid when they see the portfolio numbers tossed around here. I know I did. :o
by caroljm36
Wed Sep 17, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10024

Re: Any success stories of ppl who never made >$50,000?

I never came close to 50k, and even though I started late at 45 I am delighted that I seem to have enough to retire on 65. It's certainly not a million... I am relying on SS when I turn 70. I did get a bit of a windfall 12 years ago but that mostly went to a new house, which I didn't really need mys...
by caroljm36
Tue Sep 16, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10024

Re: EJ Gadflies

I have a friend that knew a young person who got back from Iraq and was approached by EJ. The young person was handsome and friendly, and EJ said that this person would be ideal to be a personal finance consultant (even though the person had zero financial knowledge). For years I assumed the EJ kid...
by caroljm36
Fri Sep 12, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6173

Re: Don't even know where to start on this AARP article

It looks like I may end up in the zero tax bracket, but it will still be nice to have some Roth money for sudden expenditures like a new car or vacation without suddenly triggering a taxable event.
by caroljm36
Thu Sep 11, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 4982

Re: 50 year old looking for retirement advice & help...

I started at 45 but still had a lot of debt. I kept a close eye on SS and as it got closer I had so much 401k withheld that my take home approximated what i would be getting from that alone. then I added to my ira too. I never made more than just average wages and thought I'd work til 70 too, but go...
by caroljm36
Wed Sep 10, 2014 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: 50 year old looking for retirement advice & help...
Replies: 15
Views: 2009

Re: Medicare problem because of spousal social security?

I'd like to know because I'm filing for spousal in two months.

Guess your best bet is to call SSA. It actually isn't that hard to get through to them, assuming you're available by phone during the day. They've always been very helpful to me.
by caroljm36
Mon Sep 08, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare problem because of spousal social security?
Replies: 6
Views: 958

Re: take the quiz--test your 401(k) knowledge

11/12

If I'd had my old BA 35 calculator for the 401k percentage question, I'd have nailed it.
by caroljm36
Mon Sep 08, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1162

Re: Employer finding out you have a financial cushion?

I suspect that it is somewhat of a "two edged sword," that can benefit an individual----or, and dependent upon the specific circumstances----can harm a person. Ergo, I'd opt for not telling the employer anything. Simply, it is none of the employer's business how much financial "where...
by caroljm36
Sun Sep 07, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 8140

Re: Longevity Annuities?

But how does an annuity purchased from an IRA affect RMDs? Do they count as an RMD or part of one? I thought that was the interesting part in the original post. An IRA is an Individual Retirement Arrangement (see IRS Publication 590), which can take the form of an IR Account or an IR Annuity. For t...
by caroljm36
Fri Sep 05, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2351

Re: Longevity Annuities?

But how does an annuity purchased from an IRA affect RMDs? Do they count as an RMD or part of one?

I thought that was the interesting part in the original post.
by caroljm36
Fri Sep 05, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2351

Re: Longevity Annuities?

Under the final rules, a 401(k) or similar plan, or IRA, may permit plan participants to use up to 25 percent of their account balance or (if less) $125,000 (up from $100,000 in the proposed regulations) to purchase a qualifying longevity annuity without concern about noncompliance with the age 70 ...
by caroljm36
Wed Sep 03, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Longevity Annuities?
Replies: 54
Views: 2351

Re: Take slightly better job if you had to wait 1 year for 4

I wouldn't sweat the lack of a t 401k. I'd just max out my IRA instead, Roth or trad either one. Then there is still after-tax saving too. But if you're higher income than I was, you probably won't have as much tax advantaged space but it's only for a year. I guess if your current employer gives a m...
by caroljm36
Tue Sep 02, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 19
Views: 912

Re: how to withdraw from the IRA during retirement

Yes, it's an individual decision, based on one's needs. Remember, too, that you'll have to allow for taxes on withdrawals from your tax-deferred accounts. Many Bogleheads have Vanguard withhold the amount they paid the previous year in one lump sum towards the end of the year (100% of one withdrawa...
by caroljm36
Mon Sep 01, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to withdraw from the IRA during retirement
Replies: 13
Views: 1409

Re: Does your employer still offer pensions to new hires?

I heard many state and local governments were phasing out DB plans, but I actually was offered the option of one at my part time on call job with the County. At the tender age of 65, I could have started a pension that vested when I was 70. The other option was defined contribution. I declined both.
by caroljm36
Sun Aug 31, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3837

Re: should I buy a 5 yr annuity to get me to 70

dhodson wrote:You sure it's a variable annuity?

Is it lifetime payments or just 5 years?


Just 5 years, which is a little more than I need to get to 70 for social security and then RMDs of what I have left in my IRAs.
by caroljm36
Fri Aug 29, 2014 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: should I buy a 5 yr annuity to get me to 70
Replies: 8
Views: 741

Re: should I buy a 5 yr annuity to get me to 70

dhodson wrote:May wish to tell us what kind of annuity you are considering


Oops, sorry, I am looking at an immediate variable annuity to start Oct. 1, indexed to the CPI, paying either 500/mo or 600, thereabouts.
by caroljm36
Fri Aug 29, 2014 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: should I buy a 5 yr annuity to get me to 70
Replies: 8
Views: 741

should I buy a 5 yr annuity to get me to 70

Hi...I will be turning 66 next Feb when I plan to file for spousal SS. That will get me about 700/mo. Another 600 would get me just about what I was taking home before I was laid off. When I get to 70 my SS will be almost 1800. I am working only part time/seasonal and playing music on weekends, 1099...
by caroljm36
Fri Aug 29, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: should I buy a 5 yr annuity to get me to 70
Replies: 8
Views: 741

Re: How to find a lawyer for estate planning?

Ask someone who has done an estate plan with a lawyer who they used and if they recommend him.
by caroljm36
Wed Aug 27, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a lawyer for estate planning?
Replies: 16
Views: 782

Re: Telling my friends I paid off my houses was a mistake.

The Wizard wrote:
So for now, the OP's line needs to be (if mentioned at all): all the extra $$ that had been going to pay my mortgage is now going into tax-sheltered retirement accounts that I can't get to until I retire...



Works for me! 8-)
by caroljm36
Mon Aug 25, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10367

Re: need birth certificate to file for SS?

python99 wrote:
caroljm36 wrote:

You can get Official LA County Birth Certificates from https://www.vitalchek.com/
.



Pretty spendy at $52 total.
by caroljm36
Mon Aug 25, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1446

Re: need birth certificate to file for SS?

When I initially applied online for S/S benefits, the "computer" at the SSA determined, in its wisdom, that I was "in the system." Since I have been receiving benefits for some five-plus years, and never had to submit a birth certificate, I guess I was, indeed, "in the syst...
by caroljm36
Sun Aug 24, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1446

Re: need birth certificate to file for SS?

denovo wrote:Do you have a passport?



I do but it expired many years ago
by caroljm36
Sun Aug 24, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1446

need birth certificate to file for SS?

I'm going to be filing for spousal SS in a couple months and wonder will I need an official birth certificate? I keep seeing this mentioned as a requirement, and my mother needed one when she switched from her own old age benefit to my father's SS. I think I have even an unofficial cert now and woul...
by caroljm36
Sun Aug 24, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: need birth certificate to file for SS?
Replies: 14
Views: 1446

Re: Signing up for medicare Oct 1

tc101 wrote: If I sign up for medicare advantage I might not be able to change to plan F later.


Wait, is that true? I signed up for MA planning to switch to Plan F after the first year without any underwriting.
by caroljm36
Sat Aug 23, 2014 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2857

Re: someone who claimed at 62 got an 8% increase this year

Ok thanks everyone..yeah the guy is still working so that could explain it. My husband filed at 65 and kept working full time, and kept getting SS raises to so I guess that's why. I espcially appreciate all the feedback when I gave so little information to go on... :P Even more reason to ignore the...
by caroljm36
Sat Aug 23, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3139

Re: someone who claimed at 62 got an 8% increase this year

Ok thanks everyone..yeah the guy is still working so that could explain it. My husband filed at 65 and kept working full time, and kept getting SS raises to so I guess that's why.

I espcially appreciate all the feedback when I gave so little information to go on... :P
by caroljm36
Fri Aug 22, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3139

someone who claimed at 62 got an 8% increase this year

So, I'm at a party with old friends last night, and we started to talk about who was and who was not drawing SS yet..people mostly of the file-at-62 persuasion. *Proudly* I announced at 65 I still hadn't filed, and planned to wait until 70 so I can get the 8% increases. Then I was informed that my f...
by caroljm36
Fri Aug 22, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: someone who claimed at 62 got an 8% increase this year
Replies: 26
Views: 3139

Re: POLL: Age for Collecting Social Security Benefits

In theory I wait until 70, but I may cave at 68 or so. I just want to get the extra $$$ to pay for Medicare and Medigap. Otherwise I could get by on what I would get next year at 67.
by caroljm36
Tue Aug 19, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Age for Collecting Social Security Benefits
Replies: 103
Views: 7573

Re: Retirement Party [Investment] Discussions

I have related the same plan as Victoria's to several people, and the kneejerk reaction about deferring SS to age 70 is always, how do you know it will still be there? People have really internalized this notion of vanishing SS. But nobody can venture a guess how or when, in the next 5 years, social...
by caroljm36
Mon Aug 18, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Party [Investment] Discussions
Replies: 50
Views: 4421

Re: Savings Percentage [rules of thumb]

I got a late start and with low wages I saved enough so that my take-home pay was close to what I'd be getting from social security.

It's probably not useful advice for the OP but it worked for me! :happy
by caroljm36
Sun Aug 17, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings Percentage [rules of thumb]
Replies: 49
Views: 5510

Re: Vanguard: "Social Security: How to decide when it's time

Why would you "file and suspend your own pension? You just don't file for yours. At FRA you file a RA for spouses benefits. You get your spouse benefit, whatever it is and at 70 you get your own benefit with delayed retirement credits. File and suspend is to allow spousal benefits. and no both...
by caroljm36
Wed Aug 13, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5966

Re: Vanguard: "Social Security: How to decide when it's time

Can you file and suspend your own old-age benefit at FRA *and* file for spousal benefit?[ /quote] . Is there any possibility the poster is confusing file and suspend with a restricted application? See for example http://moneyover55.about.com/od/socialsecuritybenefits/a/Restricted-Application-For-So...
by caroljm36
Tue Aug 12, 2014 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5966

Re: Vanguard: "Social Security: How to decide when it's time

Can you file and suspend your own old-age benefit at FRA *and* file for spousal benefit?
by caroljm36
Tue Aug 12, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard:"Social Security: How to decide when it's time."
Replies: 82
Views: 5966

Re: Buying land and building house

Back in the 40s when a lot of burbs were first subdivided, lots were big and deep, and it was common to build a first modest home way at the back with a long driveway, leaving plenty of room for a bigger house later. So then the original house becomes the mother-in-law, or first home for the newlywe...
by caroljm36
Fri Aug 08, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying land and building house
Replies: 22
Views: 2572

Re: Dave Ramsey still defending 12% and still angry at "nerd

I think I heard the latest big rant on the radio, and yeah it was chock full of strawmen and bad faith..bottom line, he thinks his audience can't handle the nuances of different kinds of funds and that dithering over it will cause them to never invest at all. But I think the same audience would pani...
by caroljm36
Thu Jul 31, 2014 9:12 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22848

Re: Knowledge gaps + anxiety = shame; gender and investing

A significant issue is to convince a woman investor to leave her charismatic high-expense adviser and move to Vanguard. Asking Vanguard to handle it for her will resolve her natural conflict aversion. Victoria This is a great idea. But how unfortunate to be so frightened about one's own money that ...
by caroljm36
Mon Jul 14, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Knowledge gaps + anxiety = shame; gender and investing
Replies: 77
Views: 5738

Re: List of Worst financial advice (what not to do):

How about, borrow student loans to the max because it's cheap money - you can invest it and make 8%!

Glad I gave that one a miss.
by caroljm36
Thu Jul 10, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16348

Re: Boglehead Beer

I'm trying to cut down but I love a couple of our local micros, Dancing Trout and Maibock. I hate IPAs and can't see what the appeal is.
by caroljm36
Wed Jul 09, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 48420

Re: List of Worst financial advice (what not to do):

Not understanding how taxes really worked and assuming we didn't qualify for a Roth-IRA for many years because our gross was too high (not realizing it's based on MAGI). I didn't open a Roth for years for the opposite reason, because our income was too low. I knew I could max out my 401k and IRA bo...
by caroljm36
Wed Jul 09, 2014 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16348

Re: List of Worst financial advice (what not to do):

"Buy as much house as you can afford!"

Not sure what the rationale was but I was too timid to do it anyway.
by caroljm36
Tue Jul 08, 2014 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16348

Re: Easy careers to last me to retirement?

Forest Ranger. You can thank me later. When I was working,our top engineer decided he wanted to become a forest ranger. He quit and did that for a couple years , then came back and was rehired. Don't you have to have forestry degree or similar (whatever that would be)? I always thought there was a ...
by caroljm36
Tue Jul 08, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14198
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