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Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by rixer
Fri Feb 27, 2015 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 15
Views: 1756

Re: Retiree's withdrawing from a taxable account... question

a better option? Unless you need the $100K mentioned in #2 above to live on, you might consider placing all $175K in the TSM and have the quarterly dividends sent to your checking account. That way you would have a small income increase (~$3500/yr ) but could draw on your TSM account in an emergenc...
by rixer
Wed Feb 25, 2015 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 326

Retiree's withdrawing from a taxable account... question.

I've learned so much from just reading these posts here that I have a great respect for Bogelheads. So I wanted to get some of your input on our situation. I retired 2 years ago and the wife just retired at the first of the year. The wife is 63, I'm 66. The wife has filed for early SS and I am drawi...
by rixer
Wed Feb 25, 2015 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 326

Re: Help with selling and clean out of older relative's home

We moved my f/l in with us when he got to where he needed constant help. Before we sold the house, the family went through and chose items that they wished to keep. After that, we turned it over to an estate sale company that was highly recommended. It worked out very well as it was too emotional fo...
by rixer
Tue Feb 24, 2015 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 1805

Re: Social Security statements

I am collecting spousal benefits right now. When I log into Social Security website and go to the Retirement Estimator, it displays what I would get if I claimed myself at current age and also at age 70. You can also view all years up to age 70.

Maybe it's different if you're under FRA.
by rixer
Sat Feb 21, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3078

Re: Fear and investing

How have you used fear to make you a better investor? I'm not sure the fear factor helps. Fear has caused me to be more conservative than I should have when I was still working. Fear has made me keep a big amount in brokered cd's and money markets instead of placing all the FI in a bond fund. That ...
by rixer
Fri Feb 06, 2015 9:48 am
 
Forum: Investing - Theory, News & General
Topic: Fear and investing
Replies: 12
Views: 759

Re: I just filed a Restrictive App at the SS office

Cody, we did the same thing. The wife is 3.5 years younger so when she retired at 63, I was just a few months past 66 so I filed restricted application for spousal on her benefit. I plan to delay till 70 but knowing that I can file for my own benefit any time is comforting. It's nice to get paid whi...
by rixer
Fri Jan 30, 2015 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2457

Re: Hawaii Visit (Maui). Need advice

If you do take a trip to Hana you'll enjoy some breath taking views along the way with waterfalls and rainbows through a beautiful rainforest. It's something I'm glad I didn't miss. When you get to Hana, go just a little further to the Seven Sacred Pools and take a dip just to say you did. :beer Fro...
by rixer
Mon Jan 26, 2015 11:42 am
 
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2552

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by rixer
Mon Jan 26, 2015 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38995

Re: Anyone regret paying off mortgage early?

I paid my house off in 2007 and when the economy turned, work dropped off and we were able to skirt through the mess in good condition. We all need a home to live in and it's comforting knowing that even in a bad turndown, we could survive through it reasonably well. Since then the wife and I have r...
by rixer
Fri Jan 23, 2015 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38995

Re: Medigap Plan G vs Plan F?

.... After those charges are reduced way down, the 20% left over is usually a very small amount. I had medical issues this past year and with Plan F-HD, my payments didn't even come close to hitting my deductible. Even if it were major, the out of pocket expense for the year would be close to the r...
by rixer
Thu Jan 22, 2015 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10440

Re: Medigap Plan G vs Plan F?

...... Why shouldn't I choose plan F, HD? Talk me out of it. The problem with taking High-deduct F (or any other Plan lesser than regular F) is that unless you live in NY state, or the handful of other places where everyone pays the same rate, if your health takes a turn for the worse and you want ...
by rixer
Thu Jan 22, 2015 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10440

Re: Engineered Hardwood

Bustoff wrote:Anyone know whats cheaper per square foot to have installed, Carpet or Laminate ?


carpet.
by rixer
Wed Jan 21, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 2922

Re: Medigap Plan G vs Plan F?

Stampchick, you're right, everybody's situation is different. I think you would qualify for free Medicaid with such a low income. That's what it's there for. Check into this, it may help. How to apply for Medicare Savings Programs If you answer yes to these 3 questions, call your State Medicaid Prog...
by rixer
Wed Jan 21, 2015 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10440

Re: Let's Celebrate! Which funds are you buying in 2015?

I'm newly retired and though a little nervous, I'm planning on making my last fund purchase ever. Lifestrategy Conservative Fund. I will only be making withdrawals in the future.
by rixer
Tue Jan 20, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 3636

Re: What Movie Have You Recently Watched?

We rented "The Equalizer" from Redbox. It stars Denzel Washington as an ex agent trying to live a normal life in society. He works at a Home Improvement center like Home Depot. A prostitute he speaks with at a diner is beaten and left for dead by a mob boss and there's nobody to help her. ...
by rixer
Sun Jan 18, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70142

Re: Medigap

I have Anthem BCBS, Hi-Deductible Plan F and it works out very well for us. It's much cheaper to purchase than a regular Plan F and the out of pocket expenses are capped so it's really not much difference in coverage if problems arise. Also if you pay in one annual payment, you get a 10% discount. I...
by rixer
Sun Jan 18, 2015 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 805

Re: retirement coming, health insurance?

The wife just retired and isn't yet eligible for medicare. She was able to get ins. through the AHA with subsidies. The Silver Plan seems to be best for the money.
by rixer
Sat Jan 10, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 2941

Re: Medicare & medigap before age 65

Jan, another thing to keep in mind is that if he pays the Anthem in full annually, he can also get a 10% discount.
by rixer
Sat Jan 10, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 15
Views: 1679

Re: Medicare & medigap before age 65

Ultimately what I'd like to do is shop for a better Medigap plan for him. I was able to find him a Rx drug plan that will cut his costs almost in half over the plan he had. That's when I decided a review of his current Plan F might be in order. I'm starting to get the feeling, though, that he actua...
by rixer
Fri Jan 09, 2015 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 15
Views: 1679

Re: First Social Security Check After Turning 70

I will turn 70 on June 21, 2014. Three months prior to that date, I will apply for my maximum Social Security benefit, to begin at 70. My benefit will be based upon my own work record. Will I receive my first check in July? Or in August? (i.e., must I wait one complete calendar month AFTER turning ...
by rixer
Sun Jan 04, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: First Social Security Check After Turning 70
Replies: 9
Views: 2140

Re: Health Insurance - Retiree questions

Is there anyway you can adjust your income lower to get a subsidy? Maybe not drawing as much from tax sheltered accounts that count as income and taking from taxable savings instead (not income).
by rixer
Tue Dec 30, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2358

Re: How have elderly parents affected your retirement?

My first two years of retirement was spent being a 24/7 caregiver for my f/l. He was unable to care for himself so we took him in with us a year before I retired. I'm glad we were able to help him but it became more than we could do. His failing health along with dementia/alzheimers was difficult. H...
by rixer
Tue Dec 30, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How have elderly parents affected your retirement?
Replies: 13
Views: 1544

Re: Christmas day ACA health insurance stress

I also had huge problems signing up my wife for AHA. The online site froze up and wouldn't let me go any further. I made an appointment with an authorized AHA counselor and she couldn't get anywhere. Fortunately, she did have a contact with a free legal aid service in my area that is just for health...
by rixer
Fri Dec 26, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3236

Re: How much notice to give prior to Retirement ?

The wife is retiring Dec 31. Although she didn't have to, she gave them two months notice so she could get and train her replacement. Her boss has treated her well and she feels good about doing it this way.
by rixer
Wed Dec 24, 2014 1:25 am
 
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 4599

Re: Recommendations for Pellet Stove, 40,000 BTU Output

We've had a Lopi Pioneer Bay insert for about 12 years now. It has an igniter and works well for us. This is the smaller insert from Lopi and it only has about 30,000 btu's but they make a bigger one that will fit your needs. At any rate, I don't have experience with other brands or models but am ha...
by rixer
Tue Dec 23, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: Recommendations for Pellet Stove, 40,000 BTU Output
Replies: 4
Views: 969

Re: Using balanced funds to avoid rebalancing

Schwab is coming out with the "SIP" Schwab Intelligent Portfolio. Apparently it's a robo advisor that uses low cost etf's, keeps in balance, performs tax harvesting and at no extra charge. This might be another good option.
by rixer
Sun Dec 21, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2583

Re: We made our own Will

I did a DIY will. I am 75, wife is 70. My wife does not have a will yet. All accounts have beneficiaries assigned. When I die everything including the house will go to my wife, when she dies everything will go to me. After we are both dead, everything goes to our son, otherwise to our grandson. I d...
by rixer
Sat Dec 20, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 3818

Re: Does a larger portfolio offer benefits when rebalancing?

One thing I don't understand. If you are retired and withdrawing money once a year for income, how do you know what to sell if you don't rebalance?
by rixer
Tue Dec 02, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Does a larger portfolio offer benefits when rebalancing?
Replies: 12
Views: 1057

Re: Carrying alternatives for phone, credit cards, money

I use this hand crafted wallet sleeve and carry 4 cards. Driver's lic, bank card, visa card, amex/costco card.
http://www.saddlebackleather.com/walletsleeve

I have a money clip for any cash.
by rixer
Tue Nov 25, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Carrying alternatives for phone, credit cards, money
Replies: 25
Views: 2648

Re: Vacuum cleaner recommendation?

The Bissle Cleanview sells for around $75 and will out suck a Dyson. We have one and it's worked fine for about 7 years.

You don't have to mortgage the farm to buy a vacuum cleaner.
by rixer
Tue Nov 25, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner recommendation?
Replies: 71
Views: 11602

Re: 23 year old... Can I afford a Rolex?

I bought my Rolex in Cabo for $25...
by rixer
Sun Nov 23, 2014 8:58 am
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 17035

Re: ACA subsidy question

Remember that in addition to premium subsidies that are reconciled at tax time, there also can be cost-sharing subsidies that are not reconciled. (explained at http://www.healthinsurance.org/obamacare/the-acas-cost-sharing-subsidies) Its probably not a good idea to deliberately misstate your income...
by rixer
Thu Nov 20, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 934

Re: ACA subsidy question

If you make too little money to qualify for a subsidy can you buy a policy through the ACA website anyway? Make more money and qualify for a subsidy by converting some money from traditional 401k/IRA to Roth. That is easy to do in reality but difficult for their website to understand apparently. Pl...
by rixer
Thu Nov 20, 2014 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 934

Re: ACA subsidy question

If you make too much money, you won't qualify for a subsidy and you'll pay the full price. If you make too little money, you will be not be offered a plan but you'll be directed to Medicaid . If you make more than what you estimated, you may owe them instead . If you buy a plan and you make less mon...
by rixer
Thu Nov 20, 2014 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 934

Re: Consider freezing your credit

The wife has her own credit as do I. Would we both have to freeze our credit separately or would freezing it cover both of us?
by rixer
Tue Nov 18, 2014 10:53 am
 
Forum: Personal Consumer Issues
Topic: Consider freezing your credit
Replies: 45
Views: 5244

Re: Fixing Social Security Earnings Mistake Advice

Sounds like making an appointment with the local SS office is the way to go. Hopefully that means she can be in and out of there fairly quickly. Thanks for the responses! When making your appointment with Social Security, make it for first thing in the morning (9am). This way, there won't be a wait...
by rixer
Tue Nov 18, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixing Social Security Earnings Mistake Advice
Replies: 11
Views: 1877

Re: The 4-year mortgage payoff plan

If I were planning to pay off my mortgage in the next 4 years I'd do a no-cost refinance into an ARM that has a rate that varies every month. Even if interest rates skyrocket, well, you've only got 4 years of payments to make. You could get a rate under 1% like that. Sometimes the best laid plans c...
by rixer
Tue Nov 11, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 4-year mortgage payoff plan
Replies: 121
Views: 20224

Re: anyone successfully file restricted app for spousal onli

Apparently you can do it online as somebody here mentioned. When I called to ask, they told me that if I was filing for spousal, I had to come in to the office. The wife and I scheduled their first 9AM appointment and got right in without waiting more than 5 minutes. The wife was filing for early SS...
by rixer
Mon Nov 03, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: anyone successfully file restricted app for spousal online?
Replies: 12
Views: 1438

Re: New appliances - Stainless Steel or not?

We went with white for the fridge as stainless is always dirty looking.
by rixer
Wed Oct 29, 2014 9:27 am
 
Forum: Personal Consumer Issues
Topic: New appliances - Stainless Steel or not?
Replies: 56
Views: 3899

Re: Medigap policy change. This seems like a no brainier.

Plan F Hi-D is a good choice. And if your health takes a turn for the worse, it will cover your expenses as well as reg plan F will or plan G as well. Add up your "out of pocket expenses" and you'll see Plan F Hi-D is about the same if used a lot and cheaper on those months you don't have ...
by rixer
Fri Oct 24, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Medigap policy change. This seems like a no brainier.
Replies: 2
Views: 371

Re: Medigap Plan F, Hi-D

I have this plan with Anthem BC/BS in New Hampshire. Pleased with it, and have saved money (so far) as compared to Plan F. Charges are first sent to Medicare, then to Anthem where they just apply the amount that Medicare indicates is owed by the patient to their deductible. Once the plan's deductib...
by rixer
Tue Oct 21, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: Medigap Plan F, Hi-D
Replies: 5
Views: 534

Re: Medigap Plan G vs Plan F?

I'm also shopping for medigap insurance as I'll turn 65 this summer. I hadn't thought about it so when my agent suggested plan F, HD I was a little hesitant. The more I think about it, the more interested I'm becoming. It covers all the expenses plan F does after 2100 deductable. In the meantime me...
by rixer
Fri Oct 17, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10440

Re: Cleaning Up Leaves

What I did was hire regular yard care. Leaf cleanup is just part of the service. Every Friday, they mow, edge, manicure shrubs, keep weeds out of the planters and pick up the leaves from the yard.

I'm really liking yard care now. :happy
by rixer
Thu Oct 09, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3610

Re: Critically Acclaimed Movies you did not like

The King's Speech
Silver Linings
Lord of the Rings
by rixer
Tue Oct 07, 2014 3:20 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 19528

Re: Medicare Advantage

The way I understand it, you can switch without underwriting within the first year. After that, you could be subject to underwriting if the provider wishes.
by rixer
Sat Oct 04, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage
Replies: 2
Views: 392

Re: Repair Van or buy new Van/SUV?

I would fix the Honda and keep it. You said it's working fine and this isn't more than a standard repair. You can have it fixed for about what one monthly payment would be on a new car. Besides, in order to sell a vehicle and get anything out of it, you'll likely have to fix it anyway.
by rixer
Fri Oct 03, 2014 7:35 am
 
Forum: Personal Consumer Issues
Topic: Repair Van or buy new Van/SUV?
Replies: 20
Views: 1614

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on...
by rixer
Tue Sep 30, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 2143

Re: New kitchen cabinets or new doors?

I have an older house also and we re-faced the kitchen cabinets for under $2,000. That was a few years ago so it would likely be a little more now. They placed new drawer faces on the drawers, new doors and veneered the cabinet face. To look at them, they looked new and we didn't spend a fortune on ...
by rixer
Tue Sep 30, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 2143
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