Search found 855 matches

by ddunca1944
Tue Feb 09, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Plan on your Credit Card Getting Hacked once a year....Some Tips....
Replies: 55
Views: 2082

Re: Plan on your Credit Card Getting Hacked once a year....Some Tips....

Good suggestions. DH and I have had our accounts hacked several times in the last few years. Last time was right after using it at a restaurant. I also dislike the inconvience of having to change the card# for my autopayments. I'd really prefer not to use a separate account, however, since I am maxi...
by ddunca1944
Fri Feb 05, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What percentage of your expenses are covered by SS and/or pensions
Replies: 84
Views: 5295

Re: Retirees: What percentage of your expenses are covered by SS and/or pensions

Retired in 2008
Currently 100% of everyday living expenses are covered by SS & non-cola pensions. Travel and other occasional big ticket items come from tne retirement accounts.
by ddunca1944
Wed Feb 03, 2016 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6404

Re: What age did you retire

Retired from full time job at 56. Retired from part time job at 65. Loved working part time, but DH retired and wanted to travel.
by ddunca1944
Tue Feb 02, 2016 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: DH just now noticed VALIC didn't distribute RMDs last year
Replies: 10
Views: 881

Re: DH just now noticed VALIC didn't distribute RMDs last year

Anyway, how is Vanguard at RMDs? Is it easy to set up and are they reliable? Does everything need to be consolidated in one fund to do this? I use Vanguard's RMD service, Easy peasy to set up and to change. No, everything does not have to be consolidated. You tell them which funds you want it to co...
by ddunca1944
Tue Jan 26, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Co-owner of safe deposit box?
Replies: 13
Views: 1146

Re: Co-owner of safe deposit box?

Jeff P wrote:Does your attorney really have a safe for documents...or just a file cabinet?


A safe. He showed it to us.
by ddunca1944
Mon Jan 25, 2016 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Co-owner of safe deposit box?
Replies: 13
Views: 1146

Re: Co-owner of safe deposit box?

We keep a copy of our wills in our house with a note saying the originals are in the attorney's office (with contact info). The attorney keeps them in a safe there.

That way there is jo need to have anyone else's name added to our safe deposit box.
by ddunca1944
Fri Jan 22, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Capitulation!
Replies: 61
Views: 6996

Re: Capitulation!

We're retired. Retired Jan 2008.
This doesn't (yet) feel like 2008. We rode it out, so I'm pretty sure we'll ride this out as well. It sure isn't as much fun as watching tne nest egg grow, but it is what it is.
by ddunca1944
Wed Jan 20, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 100
Views: 6945

Re: What was your % pay raise?

CABob wrote:Social Security benefit was 0.0%. :annoyed



+1
As was my non-cola pension. :(
by ddunca1944
Thu Jan 14, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help - want to pay "cash" for a car
Replies: 68
Views: 3605

Re: Help - want to pay "cash" for a car

Bought our new RAV4 with a personal check. I called them first and asked. They said "Yes". They did run a credit check on me.
by ddunca1944
Tue Jan 12, 2016 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Dementia/Alzheimer's (spouse)
Replies: 36
Views: 3796

Re: Dementia/Alzheimer's (spouse)

I am sorry you are having to deal with this. I had to deal with my mother's Alzheimer's diagnosis, but I can only imagine how much more difficult it would be if the afflicted were a spouse. In addition to the excellent advice given above, I'd definitely start setting up my own support group. If you ...
by ddunca1944
Mon Jan 11, 2016 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Need a definitive answer re taxibility
Replies: 13
Views: 716

Re: Roth Conversions - Need a definitive answer re taxibility

My first Roth conversion in 2013 was used to start my first Roth. So none of the Roth is, yet, 5 years old. I have not made any contributions, only conversions. I have been retired for the last 10 years so have no earned income.
by ddunca1944
Mon Jan 11, 2016 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Need a definitive answer re taxibility
Replies: 13
Views: 716

Re: Roth Conversions - Need a definitive answer re taxibility

Assuming all or most of the conversions were taxable withdrawals from your Roth will be taxed as ordinary income until Jan 1 2018, when your Roth is 5 years old and you can make qualified withdrawals All the conversions were taxable withdrawals from the T-IRA. So I paid taxes on them at the time of...
by ddunca1944
Mon Jan 11, 2016 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Need a definitive answer re taxibility
Replies: 13
Views: 716

Re: Roth Conversions - Need a definitive answer re taxibility

http://www.rothira.com/blog/the-five-year-rule-with-roth-ira-withdrawals https://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ Thank you The first link addresses only contributions. The second link does address both: From the second link: ' Thus,...
by ddunca1944
Mon Jan 11, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversions - Need a definitive answer re taxibility
Replies: 13
Views: 716

Roth Conversions - Need a definitive answer re taxibility

I've tried to find a clear answer from the IRS site and others. I'm sure it's there, but I just end up getting confused. 1) I am well over age 59 1/2 2) In 2013 I did my first Roth conversion from. T-IRA. I've continued to do small Roth conversions (up to the top of tne 15--%bracket) since then. I T...
by ddunca1944
Fri Jan 08, 2016 10:07 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11556

Re: Tough Frugal Decisions

I was a single parent for a number of years (deadbeat ex- no child support). Frugality was not a game. It was a lifestyle. Made the kids sack lunches and took mine to work. Used a bus pass instead of driving. When the TV broke and we could only get one channel, we watched one channel for months (unt...
by ddunca1944
Thu Jan 07, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 57
Views: 4022

Re: How do you organize your finances? Do you use Mint.com?

For household income/outgo, I use YNAB4. I've used MS Money, Quicken and Mint in the past. I like YNAB4 much better.

For investments I look at my VG statement. Once a year I plug the numbers into an "Actual return calculator' and save it.
by ddunca1944
Thu Jan 07, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: [Market] Correction...Corection...Correction
Replies: 103
Views: 9790

Re: [Market] Correction...Corection...Correction

My husband and I retired as of December 31 so we are now living off portfolio. Sequence of returns for withdrawal causes me some concern so, yes, I am not happy. However we have enough cash for 2 years of expenses if market tanks. This was not the way we wanted to start retirement but we have alway...
by ddunca1944
Wed Jan 06, 2016 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: selecting Airline for international travel WWYD?
Replies: 57
Views: 1998

Re: selecting Airline for international travel WWYD?

I've travelled with a toddler. I'd opt for the shortest journey time possible. As others have pointed out you would not be the only one sucking it up. These days, I do the planning and select the flights. And I generally choose the shortest journey time possible. I've spent too much time in airports...
by ddunca1944
Mon Jan 04, 2016 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: What to do for elderly parent, if they reject help?
Replies: 54
Views: 4150

Re: What to do for elderly parent, if they reject help?

We had our weekly dinner with my mother in law last night, who was moved much against her will into assisted living this summer after a bad fall that broke several bones. We kept her living in her own home, per her strong insistence, as long as possible but she is 92 YO, has severe cataracts so she...
by ddunca1944
Mon Jan 04, 2016 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: What to do for elderly parent, if they reject help?
Replies: 54
Views: 4150

Re: What to do for elderly parent, if they reject help?

Is she willing to move closer to you, or into a senior community kind of place? My folks weren't. They would not have left their house unless the courts made them I don't think. So, I can understand that if she does not want to leave. My folks both ended up passing on in their home and not in a hos...
by ddunca1944
Sun Jan 03, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: ACH transactions on holidays/weekends?
Replies: 36
Views: 1778

Re: ACH transactions on holidays/weekends?

From what I see, almost all employers will make payroll funds available earlier when the "normal" availability date is a holiday. Not the case with my employer. I get paid on the 1st and the 16th of every month. When these days fall on the weekend or a holiday, I don't get paid until the ...
by ddunca1944
Sat Jan 02, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: What to do for elderly parent, if they reject help?
Replies: 54
Views: 4150

Re: What to do for elderly parent, if they reject help?

You could try talking to her physician, but I doubt they'd discuss her with you (patient privacy). When my mother begain exhibiting symptoms of dementia, we were able to have her sign POA & other documents. It made a difficult road bearable I'd see an eldercare attorney asap and start the proces...
by ddunca1944
Tue Dec 29, 2015 6:39 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13802

Re: The Big Short

I think there was plenty of blame to go around. Some good friends were looking for a home. They panicked as they watched the prices go up and up and decided to buy even though the price was beyond their comfort zone. They still owe more than it's worth, and are paying about 5% interest because they ...
by ddunca1944
Tue Dec 29, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: Vienna - things to do
Replies: 12
Views: 717

Vienna - things to do

We are planning to spend a few days in Vienna next October at the tail end of a trip. I'd appresiate advice. Is 3-4 days sufficient for a visit? What areas would you recommend staying in or near? We like to use public transportation and walk as much as possible. DH's inteest is beer. He loves visiti...
by ddunca1944
Mon Dec 28, 2015 9:53 pm
Forum: Personal Consumer Issues
Topic: The Big Short
Replies: 137
Views: 13802

Re: The Big Short

Saw it with DH on Christmas Eve. We bought our tickets ahead of time - it was sold out when we got there. Enjoyed it very much, but also felt really bad for all of the innocent people who lost their jobs, homes and 401ks. Really well done. I want to read the book now - I'm on the waiting list at the...
by ddunca1944
Sun Dec 27, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Aging Parents Care Scenarios
Replies: 24
Views: 2594

Re: Aging Parents Care Scenarios

(Disclosure: I'm a retired female age 71) I agree absolutely with mudpuppy. Also, as a senior, your mother may well qualify for low income senior housing. In my area these are very nice units and the rent is 1/3 one's income. If your mother is healthy, she may have years of active, productive living...
by ddunca1944
Sun Dec 27, 2015 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6421

Re: [What will you do differently in] 2016

I will continue my efforts to simplify our finances. Will go from 3 funds to 2 balanced funds. Set up auto pay for one more bill. I will also continue my efforts to get DH better informed about our finances. He'd just as soon leave it to me as I enjoy it and am good at it (I think). but I've told hi...
by ddunca1944
Mon Nov 02, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Did I make right choice on Pension vs. Lump sum
Replies: 36
Views: 3417

Re: Did I make right choice on Pension vs. Lump sum

100% joint & survivor at $1620/month. 2 thumbs up for looking after your spouse with guaranteed income until the end of their life. I think you made an excellent choice. More thumbs up. When DH retired he had to make a similar decision. I am very grateful that he chose the 100% joint and surviv...
by ddunca1944
Sun May 17, 2015 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: MediCare and ? What are your out of pocket costs please.
Replies: 39
Views: 4301

Re: MediCare and ? What are your out of pocket costs please.

We have Medicare and AARP/UHC Plan F (changed mid year last year)

for 2014 our combined OOP expenses were $1709 (mostly dental)
YTD this year combined OOP expenses are $698
by ddunca1944
Sun Mar 15, 2015 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Can you quantify how Bogleheads has helped you?
Replies: 23
Views: 2359

Re: Can you quantify how Bogleheads has helped you?

This forum gave me the confidence to move our retirement accounts from a full service broker/advisor to Vanguard and to go from a dozen expensive funds to 3 low cost funds. This has saved us several percentage points/year since 2011 when we made the change.
by ddunca1944
Fri Mar 13, 2015 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pet insurance?
Replies: 32
Views: 2432

Re: Pet insurance?

Our 14 year old golden Retriever is a member of the family. She has her own line items in the budget for food, regular vet expenses including prescription meds, and misc (for grooming, toys, etc). In addition, she has a vet emergency fund with a large chunk in it. We contemplated insurance, but deci...
by ddunca1944
Mon Mar 02, 2015 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 3584

Re: Where's your Will?

I didn't answer because the lawyer has our original, not a copy. We have a copy in our Will Book at home and I'm going to give my son a copy.
by ddunca1944
Mon Mar 02, 2015 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dad Passed, Help Mom: Next Steps?
Replies: 29
Views: 3272

Re: Dad Passed, Help Mom: Next Steps?

There is another (non financial) consideration that I have not seen addressed yet. Is the house elder friendly? (Ie Is everything on one level ? Are the doors wide enough? Lever type door pulls instead of knobs?) Who maintains the exterior? If it isn't elder friendly, then she will likely be forced ...
by ddunca1944
Sun Feb 22, 2015 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 11159

Re: What % of your gross income do you spend on mortgage/ren

5% without utilities (property tax and HO ins)
11% including utilities
by ddunca1944
Sun Feb 22, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 9016

Re: How much was your Tax Refund (or amount DUE)

Amount due $69 :D (I try to estimate withholding as close as possible)

No state income tax.. :)
by ddunca1944
Sat Feb 21, 2015 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Aunt's house
Replies: 26
Views: 1869

Re: What to do with Aunt's house

My biggest thing about bringing her home is that I cannot coordinate her care. I have a job and a family (including 2 young kids). If someone doesn't show up to watch her, I can't always drop everything to stay with her or try to find a replacement. When she was at home with her son, they still had...
by ddunca1944
Fri Feb 20, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Aunt's house
Replies: 26
Views: 1869

Re: What to do with Aunt's house

I had a similar situation with my late MIL. We had to move her into an adult family home because she could not physically care for herself. She deluded herself that she could "go home" pretty soon. It became obvious that she would not be able to live alone, but she stubbornly clung to the ...
by ddunca1944
Fri Feb 20, 2015 11:12 am
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 6609

Re: Pick-Pockets

My husband was pick pocketed on the crowded train from Naples to Sorrento. He felt the hand go into his front pocket.... they got nothing because we both were wearing most of our money and credit cards in moneybelts under our clothing... :P
by ddunca1944
Tue Feb 17, 2015 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Greater Than Budget
Replies: 20
Views: 1915

Re: RMD Greater Than Budget

We don't need all of our RMD either. We spend some of it on travel and use some to pay the tax due to converting part of our T-IRA to a Roth IRA.
by ddunca1944
Mon Feb 16, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 9818

Re: Expecting a big inheritance - Should it change my life?

I've worked in the elder care industry. I've been in a number of nursing homes (some accepted Medicaid patients and some accepted only private pay patients). Be aware that if a nursing home does not have any Medicaid beds and is private pay only, they certainly can evict patients who run out of fund...
by ddunca1944
Sat Dec 06, 2014 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 33903

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I put TurboTax behind me years ago: Received this via email confirmation a few months ago. "TaxACT Online 2014 Deluxe, your Federal return is $9.99 and the State return fee is $6.00." :happy I'm considering TaxAct after years of using TT. Does TaxAct allow one to save the file as a pf file?
by ddunca1944
Sat Dec 06, 2014 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Got earthquake insurance?
Replies: 35
Views: 2598

Re: Got earthquake insurance?

Yep. We've got it (also live in the PNW) It's a separate policy that is about 25% the Homeowner's. Our deductible is 20%.
by ddunca1944
Fri Dec 05, 2014 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Medicare signup
Replies: 42
Views: 3530

Re: Medicare signup

lucky3 wrote:Original Medicare and a AARP Plan F Supplement seems to work the best...add to that a Plan D (perscription drug plan) from any number of different vendors and you should be ok.

Lucky3


+1
This is what my husband and I have. Happy with it so far.
by ddunca1944
Sat Nov 29, 2014 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on Pension Options
Replies: 10
Views: 943

Re: Opinions on Pension Options

Would you take the SLA and purchase a 500,000 20 yr term life insurance policy for about 300/mo and come out about 350/mo to the good? When my husband retired, he had to make the same decision. He asked me that very question and I told him, 'If you go first, I don't want to be a grieving widow, lik...
by ddunca1944
Fri Nov 21, 2014 5:02 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 20932

Re: Vanguard offers login security code

Thanks for posting this. I've just activated mine.
by ddunca1944
Wed Nov 19, 2014 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 4136

Re: Poll: Net cost of your checking account annually?

I put "0". However, I do pay $12 annually to belong to the credit union's "Premier Club" (for those over 60). For the $12, I get a box of free checks and 50% off the cost of a safe deposit box. Since a box of checks costs more than $12, I figure I'm still ahead.
by ddunca1944
Sat Nov 15, 2014 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 6527

Re: Deciding When to Retire

Cosmo wrote:The decision is based upon:

1) when you have enough.
2) When you had enough.

Cosmo


+1

I had "had enough"
by ddunca1944
Mon Nov 10, 2014 11:22 am
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 35022

Re: War on Debt

However the basic reality is clear: if one has a lot of debt and isn't willing to consider wide ranging job, career or location changes to make significantly more money, or truly radical reductions in living standard required to reduce the debt in a reasonable period without a serious income boost,...
by ddunca1944
Sat Nov 08, 2014 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA strategy
Replies: 15
Views: 3394

Re: Roth IRA strategy

This uses 4 IRAs: Main TIRA "separate" TIRA Main Roth "separate" Roth I am intrigued with this strategy, but have a question... I have only one TIRA. Since I am retired and have no working income, how do I go about creating a "separate" TIRA? Can I transfer fund from m...

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