Search found 122 matches

by Mlm
Mon Oct 23, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits Calculators
Replies: 8
Views: 524

Re: Social Security Benefits Calculators

This calculator is accurate. Just copy and paste your earnings record from SS.

https://socialsecurity.tools/app.html
by Mlm
Fri Oct 20, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: I have to fire someone that I care about personally
Replies: 83
Views: 4832

Re: I have to fire someone that I care about personally

It's never easy to fire someone. Especially the first time. I know because I have been there, done that. I would consider the follwing: Let her know in the presence of another person If you can offer some severence pay, do it Rehearse the conversaton with someone ahead of time so that you can stay o...
by Mlm
Tue Oct 17, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 96
Views: 8291

Re: how long did it take to get used to retirement

Entered into retirement totally unexpectedly. It's been a year and a half and I am starting to adjust. All my friends who voluntarily retired said to give it at least a year. Any major life change is going to take time.
by Mlm
Mon Oct 09, 2017 10:21 pm
Forum: Personal Finance (Not Investing)
Topic: Please look at my financial situation and give me your insights
Replies: 21
Views: 2231

Re: Please look at my financial situation and give me your insights

With 100K in expenses I don't think spouse can retire anytime soon. Can you cut the expense budget? Hopefully you have the details of where the money is going and adjust accordingly. Discipline and trade-offs can make anything
by Mlm
Mon Oct 09, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell
Replies: 12
Views: 819

Re: Rent or Sell

Easy...sell
by Mlm
Mon Oct 09, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to deal with estate with no liquid assets and a house?
Replies: 17
Views: 1265

Re: How to deal with estate with no liquid assets and a house?

I’m not so sure it’s appropriate for an executor to be using estate funds to improve an asset of the estate with no assurance of benefitting the estate. The beneficiaries could certainly object to these expenditures and surcharge the executor for making these payments. The house should be sold prom...
by Mlm
Thu Oct 05, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting Checking Account Info
Replies: 12
Views: 964

Re: Protecting Checking Account Info

I foresee a problem with using "overdraft protection" for a checking account, just for the obvious reason. Forewarned is forearmed... (the CU is having trouble backtracking the ACH pull - it happened with virtually no info on the pulling side) I read something recently that said that the biggest th...
by Mlm
Sun Sep 24, 2017 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse Money Management
Replies: 94
Views: 6225

Re: Spouse Money Management

If she needs more money why isn't she working more hours?
by Mlm
Fri Sep 22, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8297

Re: Age you retiredi

I retired at 61 1/2 due to downsizing last year I had planned on working two more years but that's the way goes I think a lot of people end up leaving before they plan to for various reasons It took me six months for the shell shock to wear off off I'm doing well and and looking forward to Medicare ...
by Mlm
Wed Sep 20, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased Mother medical bill
Replies: 42
Views: 5369

Re: Deceased Mother medical bill

I'm confused (and don't see anything about this in your other post: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=222145&p=3465949#p3426069 ) I think we may be missing some details because I can't reconcile the following: 1. if there's no estate (as in she had nothing to pass on) then why wa...
by Mlm
Thu Sep 14, 2017 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a small inheritance for a disabled person
Replies: 2
Views: 379

Re: Setting up a small inheritance for a disabled person

A pooled SNT in your siblings State might be something to look at. I have a relative in another state that has one through The Arc for the mentally disabled. It is inexpensive to set up and maintain. Google "pooled trust" plus your state. http://www.thearc.org/what-we-do/programs-and-services/specia...
by Mlm
Wed Sep 13, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone Reached - "Quarter Millionaire!"
Replies: 41
Views: 4864

Re: Milestone Reached - "Quarter Millionaire!"

Very, very, very well done ! Stay the course through thick and thin :sharebeer
by Mlm
Sat Sep 09, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about accepting new job that pays a bit less
Replies: 27
Views: 2209

Re: Thinking about accepting new job that pays a bit less

Sure you can do it. It's just a matter of cash flow. You have a lot saved at the age of 38 so I would cut back on the retirement savings for 0-5 years until the child care expenses are gone and reevaluate again at that point. Your health, both physical and mental is much more valuable to your family...
by Mlm
Wed Sep 06, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Check Received: What to do?
Replies: 22
Views: 2190

Re: Check Received: What to do?

Oh good grief. Just do as Gill suggested. Endorse her name as drawn then have your wife endorse it and deposit it to her account.

The same thing happened to me. $2.03 from the cell phone provider.

I don't think I'm going to federal prison over it. ;-)
by Mlm
Wed Sep 06, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8558

Re: Protecting moms assets from nursing home expenses

My parents transferred their home to all of their children when they retired and they retained life use. My mother decided to sell the house and move to a senior friendly apartment at the age of 86 after my father passed. Neither Dad not Mom ever needed skilled nursing care for more than a few week...
by Mlm
Wed Sep 06, 2017 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8558

Re: Protecting moms assets from nursing home expenses

My parents transferred their home to all of their children when they retired and they retained life use. My mother decided to sell the house and move to a senior friendly apartment at the age of 86 after my father passed. Neither Dad not Mom ever needed skilled nursing care for more than a few week...
by Mlm
Tue Sep 05, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Protecting moms assets from nursing home expenses
Replies: 96
Views: 8558

Re: Protecting moms assets from nursing home expenses

My parents transferred their home to all of their children when they retired and they retained life use. My mother decided to sell the house and move to a senior friendly apartment at the age of 86 after my father passed. Neither Dad not Mom ever needed skilled nursing care for more than a few weeks.
by Mlm
Mon Sep 04, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Billing 99212 for rx refill?
Replies: 42
Views: 3513

Re: Billing 99212 for rx refill?

sawhorse wrote:
Mon Sep 04, 2017 10:19 pm
Update. The bill is indeed for calling in the prescription refill. I'll pay it, but should I submit for partial out of network reimbursement?
You paid it..submit it.
by Mlm
Mon Sep 04, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Got hit with a fee from td ameritrade on a transfer
Replies: 23
Views: 2022

Re: Got hit with a fee from td ameritrade on a transfer

It's not unusual to be hit with a transfer fee. It's clearly stated on their website If you want to make your girlfriend whole just give her the $75 and Call it a day. you might even earn some bonus points. :happy
by Mlm
Thu Aug 24, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not responsible for money stolen by online hackers.
Replies: 13
Views: 3238

Re: Bank not responsible for money stolen by online hackers.

tc101 wrote:
Thu Aug 24, 2017 8:47 pm
I had this happen in my old job when the criminals hacked into a computer and initiated wire transfers to moles.
Was that a business account?
Yes it was
by Mlm
Thu Aug 24, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Bank not responsible for money stolen by online hackers.
Replies: 13
Views: 3238

Re: Bank not responsible for money stolen by online hackers.

I had this happen in my old job when the criminals hacked into a computer and initiated wire transfers to moles. The bank was not responsible but did get involved. A police report was filed and the FBI got involved. About half of the money was recovered. Several years later I got a call from the Sec...
by Mlm
Fri Aug 18, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1645

Re: How do you know how much your portfolio lost/gain in one day?

In your Vanguard account go to : Balances and Holdings"

there is a tab for "Balances compared to year end" and one for "Balances by Date"..You can change the date to any date you want.
by Mlm
Fri Aug 18, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 2093

Re: Debt collector called, should we call them back?

I wouldn't return the call. I have been contacted by debt collectors and it was always about someone other than myself. They wanted to know if I had a current phone number or an address of a relative. I was even contacted once regarding a neighbor that had moved.
by Mlm
Wed Aug 16, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10561

Re: Anyone planning on never retiring?

Muri wrote:
Wed Aug 16, 2017 7:56 pm
Mim
I did not mean to offend anyone by this question.
No offense taken. I thought your friends take on retirement was amusing :happy
by Mlm
Wed Aug 16, 2017 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10561

Re: Anyone planning on never retiring?

I would challenge you to get out more. There is a big world out there..it even has social contacts.

or

I could just be stupid :oops:
by Mlm
Tue Aug 08, 2017 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth, Taxes and Mistakes
Replies: 41
Views: 4204

Re: Roth, Taxes and Mistakes

I would start by withdrawing the contributions so that I could sleep at night. Other than that I probably wouldn't do anything but that's me. In the end you will have to decide for yourself but I would NOT call the IRS. You could probably call five times and get five different answers from them as w...
by Mlm
Wed Jul 26, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7197

Re: Post Nuptial agreement guaranteeing alimony?

Do working spouses receive alimony in addition to an equitable asset distribution?
by Mlm
Sun Jul 23, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 8718

Re: Investing Education and Mansplaining

As a former 22 year old woman I might be able to give you a little advice...butt out Dad.
I'm sure there is a video if your interested :wink:

Regards,
Mary
by Mlm
Sun Jul 23, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Can you review our assets and offer suggestions?
Replies: 16
Views: 1208

Re: Can you review our assets and offer suggestions?

A list of assets are pretty meaningless unless we know your retirement goals and how your plan to achieve them.
by Mlm
Wed Jul 19, 2017 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Should we bird dog our probate lawyer?
Replies: 15
Views: 2131

Re: Should we bird dog our probate lawyer?

harmony wrote: Questions have arisen which could be answered if the executor and/or heirs had a copy of the state inheritance tax return which was filed in our names.
How can a tax return be filed in your name without you seeing it? Doesn't the Executor have to sign it?
by Mlm
Mon Jul 17, 2017 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 2086

Re: Do you guys accept first Job offer or negotiate?

I once negotiated 15% over offer but I lied about what I was currently making so was actually 30%
20 minutes later they came back with .. you're hired

It was the best job I ever had and it lasted 27 years

I was young and had a lot of guts back then
by Mlm
Fri Jul 07, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 $200 bonus (and now $300 checking bonus)
Replies: 217
Views: 26961

Re: Capital One 360 $200 bonus

Bonus just posted :happy


Mine posted today too !
by Mlm
Thu Jun 22, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 20367

Re: Siblings in disagreement over mom's house.

I went through a similar situation in my family several years ago. There were no sentimental feelings, just the keeper wanting to assert control over family members. Long standing mental health issues compounded the situation. It took the threat of a partition sale to get the keeper to even speak ab...
by Mlm
Tue Jun 13, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bill received after Estate is closed
Replies: 57
Views: 6450

Re: Bill received after Estate is closed

OP Here. As a follow up...I spoke to the Firms owner and he agreed that his Associate screwed up bigly. I agreed to pay my 1/4 of the bill and he accepted that as payment in full. I want to thank everyone for their suggestions.

Mary
by Mlm
Mon Jun 12, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2577

Re: Retirement or permanent limbo around 50?

I worked for a 750 employee, one owner health company. The owner died suddenly and his estate sold the company to an out of state corporation.
Chop,chop,chop. All upper management were out. I had 30 years invested. It happens
by Mlm
Fri Jun 09, 2017 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 5341

Re: (Very) Early Retirement vs Parenthood

Are you trying to talk yourself into something that you are ambivalent about? I am sure that most people don't regret having children or regret an early retirement if they are prepared for the changes that those decisions bring. If you don't currently have a burning desire for either I would let the...
by Mlm
Thu Jun 08, 2017 8:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31031

Re: Roll Call for the Retirement Class of 2017!

After a year of unemployment I decided to hang up my dancing shoes. I never would have chose to retire at 62 but this is truly the best thing that could have happened and I'm loving it :happy Welcome to the class - glad it worked out to be the best thing that could have happened :happy I'm sure a y...
by Mlm
Mon Jun 05, 2017 9:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 31031

Re: Roll Call for the Retirement Class of 2017!

After a year of unemployment I decided to hang up my dancing shoes. I never would have chose to retire at 62 but this is truly the best thing that could have happened and I'm loving it :happy
by Mlm
Sat Jun 03, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Lump Sum or Annuity
Replies: 8
Views: 970

Re: Lump Sum or Annuity

Chances are pretty good that your company is offloading the pension liability to a insurance company. I would want to know the company, their financial strength and what possible state guarantees would be in place.
by Mlm
Thu Jun 01, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Drowning in debt
Replies: 52
Views: 5463

Re: Drowning in debt

Note that miamivice originally called this a "large purchase" not an "investment" so I'm guessing it was purchased primarily for some other non-monetary value to the OP and his family (might be a vacation home; a very expensive art-work he is enjoying; etc.) - thus the reason why OP didn't want to ...
by Mlm
Wed May 31, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have a bucket to pay your mortgage or pay from core?
Replies: 36
Views: 2842

Re: Do you have a bucket to pay your mortgage or pay from core?

I have an account for irregular payments (property taxes, home & car insurance) which I fund monthly from my primary checking account.
For regular monthly payments such as mortgage and car payments I use my primary checking account.
by Mlm
Sun May 28, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 11216

Re: Play Money for Spouse....

Ask her how much she thinks she will need and what things it will cover so that you can revise the family budget accordingly. Then hand over the cash with a smile. Done :D
by Mlm
Fri May 26, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 37
Views: 4463

Re: When to start talking to older parents regarding their finances (and how to do it?)

There are at least 2 things adult children should know from their parents: - If you live a long life, will you be needing financial support from me? - If you drop dead tomorrow, how have you documented what you want done with your stuff? That doesn't presume that the parents need any help at all, o...
by Mlm
Wed May 24, 2017 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Verifying IRS expectations on Inherited IRA
Replies: 20
Views: 1341

Re: Verifying IRS expectations on Inherited IRA

I am not old enough to take any RMDs of my own, but I do have a couple of Inherited IRAs. I have never gotten a Form 5498 on either of them. I am wondering now if the IRS even knows if you are or are not supposed to be taking RMDs from an Inherited IRA. +1. I recently inherited IRA's on behalf of m...
by Mlm
Wed May 24, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate tax benefit of owning a home
Replies: 34
Views: 2634

Re: How to calculate tax benefit of owning a home

Do you pay high State income taxes? High state income and property taxes alone put me at twice the standard allowance even without mortgage interest.
by Mlm
Tue May 23, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 14763

Re: i am my own "guy," but not sure I should advertise that

When friends or family ask I tell them that I a DIYer. If they ask how I learned I point them to Bogleheads and some books but they really aren't interested. I also like to read IRS Publications but I would never tell anyone.
by Mlm
Thu May 04, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle large variable expenses?
Replies: 16
Views: 1171

Re: How to handle large variable expenses?

We have a separate savings account (separate from our emergency fund) that we use as something like an expense escrow account. For all of the expenses that are at least annual, but less frequent than monthly, we deposit money into the account to cover those expenses. For example, the property tax o...
by Mlm
Thu May 04, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Witholding
Replies: 9
Views: 887

Re: Social Security Witholding

The form you need from Social Security is here: https://www.ssa.gov/planners/taxwithold.html