Search found 11 matches

by Ruger
Wed Jun 21, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Early Retirement - what to do about healthcare?
Replies: 161
Views: 16943

Re: Early Retirement - what to do about healthcare?

I retired "early", at age 60. I get my insurance through the ACA at a cost of $200 a month for a Silver Plan. My income is derived from rental property and survivor's SS benefits. After depreciation etc, my income on paper is low and I easily qualify. What amazes me about the ACA is they d...
by Ruger
Wed Jun 21, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 4213

Re: Help with Guns in Estate [how to sell]

If you are required to use an FFL, check with pawn shops. That is where I normally do my transfers because they are less expensive than gun stores. Also, if you are up for selling them yourself, try either Armslist.com or NorthWest Firearms forum. I've sold and bought through both and never had an i...
by Ruger
Tue Jun 20, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1269

Re: Trying to save money on prescription drug

I have ordered from both Canadian and Israeli pharmacies. The prices were much less, and service was good.
by Ruger
Tue Jun 20, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: For Sale By Owner HOUSE- Advice Please
Replies: 22
Views: 2258

Re: For Sale By Owner HOUSE- Advice Please

When we sold our home FSBO, we purchased the contract from a place that sold legal forms and took it to a title company. No problems what so ever. However, are you sure you have your home priced appropriately? How did you come up with a valuation? And is it possible you have listed it for less than ...
by Ruger
Mon Jun 19, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 19
Views: 1483

Re: Lg refrigerator vs Samsung refrigerator.

I have had Samsung appliances for about 6 years. The range and the refridgerator have been wonderful.....no problems at all. The dishwasher doesn't seem to clean well, but I hear that is a common complaint with newer "water saver" appliances. That particular model is prone to electrical is...
by Ruger
Mon Jun 19, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: social security benefits from deceased spouse?
Replies: 5
Views: 403

Re: social security benefits from deceased spouse?

I was in this position. I opted to take survivor's benefits and to let mine grow until I reach age 70, at which time I will switch to mine. You cannot take both benefits at once, you have to choose which ever is the greater amount. He may have to pay taxes on the social security, depending on what h...
by Ruger
Mon Jun 19, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: Want to downsize, see "to do" list. What to tackle first?
Replies: 37
Views: 3355

Re: Want to downsize, see "to do" list. What to tackle first?

Are you planning to do much of the work yourself, or are you going to hire it out? I would definitely put in double sinks in the master bath, buyers look for that. Remove the popcorn ceiling, it's an easy but messy job and buyers probably don't want to mess with it. I would not replace the carpeting...
by Ruger
Mon Jun 19, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2711

Re: Cancelled Cable TV Service Today... [Downsized cable service

I'm surprised they weren't willing to work with you to keep you as a cable customer. I have Direct TV and after getting tired of their constant rate hikes ($125 a month with no extras) I called up to cancel. Simply told them it was not longer in my budget. Because I was a long term customer, I "...
by Ruger
Mon Jun 19, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred
Replies: 17
Views: 1904

Re: 100k Service - 2010 Camry & Corolla - All Maintenance Deferred

My 1999 Camry has 325,000 miles on it and is still running strong. I take it in to a local mechanic at the recommended intervals and have the routine maintenance done. I change the oil every 3,000 miles, replace the tires and have the brakes done as needed. Very little else has been done to it. Main...
by Ruger
Fri Jun 16, 2017 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33812

Re: Regret early retirement/downsizing

I retired 2 years ago at age 61. I have not regretted it at all.
While I do miss the people I worked with, I don't miss the commute, long hours, or anything else about it!
I enjoy being able to do what I want when I want. I wouldn't trade going back to work for anything!
by Ruger
Fri Jun 09, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: (Very) Early Retirement vs Parenthood
Replies: 74
Views: 4180

Re: (Very) Early Retirement vs Parenthood

I would forget the job and the money and ask yourself, how badly do you want children? If you are not sure, or ambivalent, I wouldn't have them. I never wanted children, I am not the maternal type. I have never regretted the decision, although everyone told me I would. Only you know yourself well en...

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