Search found 160 matches

by Ruger
Fri Dec 15, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?
Replies: 26
Views: 2338

Re: For those in retirement, how close is your post retirement spending to your pre-retirement estimate?

I tracked all my expenses before I retired, and I still track them.
I have found my spending really hasn't changed much since I retired. I do travel a bit more now, but since my income still
exceedes my expenses I'm doing fine.
by Ruger
Thu Dec 14, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: 2018 Goals - Financial or Otherwise
Replies: 68
Views: 5336

Re: 2018 Goals - Financial or Otherwise

1. Getting healthier and losing some weight.
2. Do more traveling and doing research to become a snowbird in 2019.
3. Taking classes at the local community college.
by Ruger
Tue Dec 12, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 58
Views: 5469

Re: State Farm Insurance, Time to Leave

State Farm has made large increases to my auto insurance, and moderate increases to my home and rentals insurance.
I'm going to start getting quotes from other companies, the increases SF has made this year are unreasonable.
by Ruger
Tue Dec 12, 2017 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 63
Views: 4362

Re: What did you do with your first RMD withdrawal money?

Haven't started taking them yet, but my plan is to pay taxes, spend a good portion on travel, and then put the rest into my taxable accounts.
by Ruger
Sat Dec 09, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 175
Views: 12898

Re: Save all this money, what do you splurge on?

Firearms training, competing, and related costs.
by Ruger
Thu Nov 30, 2017 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Number Asked for use of POA by Credit Card Company
Replies: 14
Views: 1255

Re: Social Security Number Asked for use of POA by Credit Card Company

Why bother to close the account? Can't you just never use the card and shred it?
by Ruger
Wed Nov 29, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Step up value on property when husband passes away
Replies: 2
Views: 549

Step up value on property when husband passes away

My husband passed away three years ago and at that time I did not have our house or rental house appraised because the amount of his estate was below the federal and state amounts for taxes. My attorney indicated as long as the amount was below that limit, I didn't need to do anything. Recently I've...
by Ruger
Sun Nov 26, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: My Social Security Site not showing my future benefits
Replies: 11
Views: 928

Re: My Social Security Site not showing my future benefits

Same thing happens (your own benefits no longer visible) if you claim widow/widower benefits while holding off until later on your own benefits. Once I started receiving survivors benefits I get a message stating I cannot determine what my own benefits will be in the future since I am already being...
by Ruger
Sun Nov 26, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ignorant and confused about Social Security survivor benefits
Replies: 8
Views: 672

Re: Ignorant and confused about Social Security survivor benefits

Lafder wrote:
Sun Nov 26, 2017 12:17 pm
I thought a widow or widower gets the higher of: their own benefit, or their spouse's benefit, not both. And not more than the higher of the two.

lafder

This is what I was told when I went to SS to file for survivor's benefits.
by Ruger
Tue Nov 21, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Anyone "re-door" their kitchen cabinets?
Replies: 13
Views: 1559

Re: Anyone "re-door" their kitchen cabinets?

My kitchen cabinets are all wood and in great shape. Just out of style. I checked into just replacing the doors and drawer fronts, but I can buy a whole set of new cabinets for less at a cabinet outlet place. I've made the decision to paint them. I have an extra cabinet I'm going to experiment on. I...
by Ruger
Tue Nov 21, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12147

Re: Help DW gets fired, but then next day her boss offers her job back

Does she like her job? Does she want to return? So, let me get this straight...the boss just let your wife go, and now the boss is going to let her replacement go also? Sounds very unstable.... Maybe if wants to return, she should negotiate a reduction in hours worked per week and ask to keep the i...
by Ruger
Tue Nov 21, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Microsoft account security alert email.....real or fake??
Replies: 15
Views: 894

Re: Microsoft account security alert email.....real or fake??

Oreamnos wrote:
Tue Nov 21, 2017 10:39 am
99.9999999% chance it's fake.

Log in your usual way, change the password, and go about your day.

Agreed. It's probably fake so do what Oreamnos suggests.
by Ruger
Tue Nov 21, 2017 10:46 am
Forum: Investing - Theory, News & General
Topic: "Got $1 million to retire? Here’s how long it will last, by U.S. state"
Replies: 50
Views: 10456

Re: "Got $1 million to retire? Here’s how long it will last, by U.S. state"

These things never work for me in New York. I live upstate and get lumped in with HCOL downstate. I agree....my state is listed as one of the worst. However, I think they are considering the urban areas. Where I live, and in much of the state, living expenses are not what it costs in the main popul...
by Ruger
Sun Nov 19, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14097

Re: Dave Ramsey says don't use credit cards, even if you pay them off

My first year of retirement I paid cash for everything. I thought it would help keep my spending down and I didn't want a large credit card bill at the end of the month. My second year I switched over to using a credit card to pay for everything to get the rewards. I keep track of everything I spend...
by Ruger
Sat Nov 18, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?
Replies: 27
Views: 3055

Re: Costco Eyeglasses - No satisfaction guarantee. Any chance of resolution?

I would ask to speak to the manager of the store, not the optical manager. Costco has very liberal return policies so I don't understand why optical is being reluctant.
Is the size of the new lens the same as the old? The larger the lens is, the thicker and heavier it's going to be.
by Ruger
Thu Nov 16, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8843

Re: Has used furniture dropped in value dramatically?

I know someone who builds custom furniture by himself, where a single chair for a dining room set costs $15k and takes months to build. The level of detail is incredible. I’d imagine that’s the only kind of furniture that retains its value on resale. Even then it might be difficult, given the small...
by Ruger
Thu Nov 16, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8843

Re: Has used furniture dropped in value dramatically?

This whole thread is making me reconsider my thoughts on expensive sofas. Do I really need the "eight way hand tied" sofa with kiln dried hardwood frame for 2x or 3x the cost of an adequate sofa? Justifying that quality furniture "holds its value" isn't really good enough, plus I will end up stress...
by Ruger
Wed Nov 15, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Has used furniture dropped in value dramatically?
Replies: 108
Views: 8843

Re: Has used furniture dropped in value dramatically?

Put it on Craigslist....if it doesn't sell donate it or give it away. When we moved my mother into assisted living 8 months ago we put all her brown, ugly 1970's furniture on Craigs list. And it all sold, at decent prices. The buyers were middle aged and I guess they still liked that stuff....I thou...
by Ruger
Mon Nov 13, 2017 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Verizon Wireless - Asking for a lower rate
Replies: 21
Views: 2424

Re: Verizon Wireless - Asking for a lower rate

Have you looked at Verizon's plans lately? I recently switched to unlimited text/talk with 5 gig of data (which rolls over if I don't use it) for $60.00 per month. Since I went with paperless billing, the discounted it another $5.00/month, for a total of $55 including taxes.
by Ruger
Sun Nov 12, 2017 10:55 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5006

Re: what pickup truck

If you plan to park it in a garage, be sure to check out the overall length of full size trucks (they are much larger than what was sold as a full size truck say 15 years ago), versus the layout of your garage. There may not be enough room to walk past them (which may or may not matter depending on...
by Ruger
Sat Nov 11, 2017 9:09 am
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9920

Re: Retirees: I got this!!

I've only been retired for two years, and I am reasonably comfortable that I am not going to run out of money. But I have decided that until I turn 70 (seven more years) I am going to live reasonably frugally, but not "cheaply". After 70, I will be super confident and will cut loose with the purse s...
by Ruger
Sat Nov 11, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5006

Re: what pickup truck

If you plan to park it in a garage, be sure to check out the overall length of full size trucks (they are much larger than what was sold as a full size truck say 15 years ago), versus the layout of your garage. There may not be enough room to walk past them (which may or may not matter depending on...
by Ruger
Fri Nov 10, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9408

Re: Thouhgts about wearing a "uniform"/same thing everyday?

No, but I walked into a Walmart wearing a blue short sleeve polo and khakis and had 4-5 people coming up to me asking where items were. The first two I told them I didn't work there. The others, I played along and helped, told them where the items were. Luckily I knew. I'm glad no one reamed me out...
by Ruger
Fri Nov 10, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Septic tank - deal killer?
Replies: 47
Views: 4156

Re: Septic tank - deal killer?

I also have a septic. I forget the size, but it gets pumped out every five years. Cost is about $400. Since we don't pay sewer fees, the cost to pump it is more than offset by what sewer fees would cost. We had to have the drain field replaced about 20 years ago. Once that was done, it was good as n...
by Ruger
Thu Nov 09, 2017 10:58 pm
Forum: Personal Consumer Issues
Topic: Maximizing use of electrician - outlet repair/upgrades
Replies: 20
Views: 1493

Re: Maximizing use of electrician - outlet repair/upgrades

Change the outlet yourself, and it still doesn't work, call the electrician. I just had to do this, and as long as the electrician was there I had him change all my old light switches from the regular flip type to the nice rocker type. Also had him replace all the old outlets with new clean ones. I ...
by Ruger
Thu Nov 09, 2017 1:01 am
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5006

Re: what pickup truck

I purchased a used (6000 miles and 6 months old) Ram 1500 long bed about 6 months ago. I only drive it part time, but I love this thing. Drives and rides excellent. Terrible mileage because it has a big old honking V8 engine, but since it's a part timer it doesn't matter. Loaded with all kinds of go...
by Ruger
Tue Nov 07, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Okay to paint exterior brick?
Replies: 34
Views: 1877

Re: Okay to paint exterior brick?

I like brick, but not that. What is that, fake slabs of rock embedded in the brick?
I would paint it (although not black), stucco it, or do the German smear.
by Ruger
Tue Nov 07, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Fair Price for a Kitchen Remodel
Replies: 37
Views: 3624

Re: Fair Price for a Kitchen Remodel

Getting any response for remodels right now is tough (we are in hot market of Portland). We just finished a bathroom remodel. I sent out a lot of requests for quotes. Most never contacted back. We worked thru the estimate with my father in law who has done a lot of rehabs and we knew roughly the co...
by Ruger
Fri Nov 03, 2017 8:54 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 87
Views: 6326

Re: Spam calls to cell phone...

I don't answer the phone if I don't know who is calling. Last week the caller ID screen showed it was from my medical insurance company, so I answered it.
Turns out it was a spam call.
by Ruger
Fri Nov 03, 2017 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Should I decline Grand Prize trip because of taxes on winnings?
Replies: 93
Views: 8547

Re: Should I decline Grand Prize trip because of taxes on winnings?

I'm not a golfer, and I don't even like it. But I would go in a heart beat. As you say, it's a once in a lifetime experience. You say you don't travel much, so look at this as using up all the vacation time you haven't used before.
Go and enjoy!
by Ruger
Thu Nov 02, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

Thought about converting some to my Roth account but I'm limited as to how much I can convert before I push myself into a tax bracket (right now I don't pay any federal or state taxes). I'm not sure the total amount I could convert before hitting 70 is really going to make much difference since it ...
by Ruger
Thu Nov 02, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

Spirit Rider wrote:
Tue Oct 31, 2017 8:36 am
I just realized we were talking about a trust. What kind is it? If the trust irrevocably removed the assets from the decedent's estate, then the trust does not get a step up in basis.
I don't know much about it other than it's an AB trust.
by Ruger
Thu Nov 02, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

You are not going to get kicked off of ACA but you very well may not get any subsidy. :annoyed If the trust was invested in equities and the person you are receiving the inheritance from has been gone more than a few months the capital gains could be in the solid five figures pretty easily as a fun...
by Ruger
Wed Nov 01, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Cellphone Battery
Replies: 14
Views: 1351

Re: Cellphone Battery

The battery on my S4 died recently. I bought one off of ebay for cheap and it works just fine.
by Ruger
Mon Oct 30, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

As an aside, this is money I potentially plan to live off of so I can avoid digging into my retirement funds until I turn 70 and get forced into RMD. A suggestion for you so you don't end up surprised with what might happen down the road... Have you projected the value of the tax-deferred accounts ...
by Ruger
Mon Oct 30, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

Accountant said that the tax rate would be lower if we each paid individually rather than having the estate pay it. That is correct and as has already said, securities receive cost basis reset on the date of death. The only capital gains will be from the date of death until the date of sale. Thanks...
by Ruger
Mon Oct 30, 2017 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

What form does this inheritance take? An inherited IRA for example may have required minimum distributions. If it's a regular old taxable account then you may owe capital gains tax on any increase from the date of death until you sell. My understanding is that the items in the trust fund (individua...
by Ruger
Mon Oct 30, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

If you inherit stocks, bonds, funds, your basis is stepped up to the value on the day you inherit (I guess this means when the property is transferred from estate to your name.) So you won't have any capital gains to worry about unless you sell, and then only on the gains, if any, since you inherit...
by Ruger
Mon Oct 30, 2017 5:03 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Re: Inheritance and ACA

What form does this inheritance take? An inherited IRA for example may have required minimum distributions. If it's a regular old taxable account then you may owe capital gains tax on any increase from the date of death until you sell. My understanding is that the items in the trust fund (individua...
by Ruger
Mon Oct 30, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and ACA
Replies: 20
Views: 2114

Inheritance and ACA

I currently get my health insurance through the ACA. Last year and next year no problem qualifying, but for 2017 I have a question. I will be inheriting somewhere between $350,000-$400,00 before the end of the year. If I understand correctly, inheritance does not count as income for ACA, but capital...
by Ruger
Sun Oct 29, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3128

Re: bedroom color-current trend?

Would love gray walls, but I live in Washington, and we have enough gray here! So I had our bedroom painted a light, warm tan, with white trim. Painted the bathroom Sherwin-Williams Tidewater, with white trim. This after having off-white walls for 23 years. Hey, I live in Oregon (Portland area) and...
by Ruger
Sat Oct 28, 2017 10:27 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3128

Re: bedroom color-current trend?

For the living room, dining room and entry I used Benjamin Moore Revere Pewter:

Image
by Ruger
Sat Oct 28, 2017 10:25 pm
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3128

Re: bedroom color-current trend?

I just painted my kitchen and den with Sherwin Williams Knitting Needles.

Image
by Ruger
Sat Oct 28, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18967

Re: Early-retired 35 year old with $1 million

I agree with the others-you may not have enough money to last the rest of your life. Especially if kids come into the picture. Have you figured out how all this affects SS? Since they take the top 35 years of earning, and if you have a lot of zeros in those 35 years, you are not going to be getting ...
by Ruger
Fri Oct 27, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 3101

Re: dishwasher recommendations

I changed out my old dishwasher for a "energy efficient" one a couple of years ago. I immediately noticed that not only did the dishwasher run longer, it didn't clean as well and it was terrible at drying plastic items. I spoken to others that have noticed the same thing. My sister has a Kitchen Aid...
by Ruger
Fri Oct 27, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: How to get over the fear of traveling without spouse and children?
Replies: 52
Views: 4344

Re: How to get over the fear of traveling without spouse and children?

I'm a mom of 4 and have a strong desire to travel abroad but ever since I became a mom I've turned into a chicken. I know it's because I'm afraid of dying (e.g. plane crash) and leaving them without a mom. Prior to having kids I never worried about this. When I was a kid my parents would never trav...
by Ruger
Sun Oct 22, 2017 12:45 am
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2952

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

We recently had this same issue at my condo building. The owners carry insurance to cover from the walls in, but the condo association carries insurance to cover the buildings themselves. The condo association insurance is who ended up paying for all the damage, not the individual owner's. How do t...
by Ruger
Sat Oct 21, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Water damage from upstairs neighbor - insurance, subrogation, other recourse?
Replies: 36
Views: 2952

Re: Water damage from upstairs neighbor - insurance, subrogation, other recourse?

We recently had this same issue at my condo building.
The owners carry insurance to cover from the walls in, but the condo association carries insurance to cover the buildings themselves.
The condo association insurance is who ended up paying for all the damage, not the individual owner's.
by Ruger
Sat Oct 21, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 107
Views: 7389

Re: How does/can Walmart offer such inexpensive prescriptions?

arcticpineapplecorp. wrote:
Sat Oct 21, 2017 2:27 pm

I think they can make up any losses because they're getting a ton of money from the insurers.
I also think this. I pay for my prescriptions out of pocket at WalMart because it costs me less than if I go through the insurance company.