Search found 792 matches

by montanagirl
Wed Nov 08, 2017 12:16 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4717

Re: What do you do to keep your mind sharp?

Work part time as a bookkeeper, which is a new gig for me.
Learn Spanish in the car listening to CDs.
Play piano, mostly classical. I'm just an intermediate player but there is a lot of good stuff to learn.

I also work out every day, but I think that dulls my mind more than sharpens it. :|
by montanagirl
Wed Nov 08, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 558

Re: anyone else have trouble logging in to SSA or IRS sites?

When I tried to create a new My SSA account it got bounced. When I called them they said that if I had a credit freeze on, that was probably it - they ping your data against one of the credit bureaus. I have to go into the SS office to get the account created. I wonder if they do that with current ...
by montanagirl
Tue Nov 07, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?
Replies: 12
Views: 751

Re: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?

No she can't and if she converted in a future year the contribution would become taxable.

Is this a trick question?
by montanagirl
Tue Nov 07, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 558

anyone else have trouble logging in to SSA or IRS sites?

For some reason, logging in to MySocialSecurity and my IRS PTIN account has always been a nightmare. I try to keep track of my info and I'm sure I'm entering the right passwords..sometimes I even copy and paste them in from a Notepad file just to make sure I'm not fat-fingering it. But most the time...
by montanagirl
Sun Nov 05, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3110

Re: bidets

Helo80 wrote:
Sun Nov 05, 2017 12:26 pm
No, thank you.
Baby wipes work for me
by montanagirl
Thu Nov 02, 2017 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7505

Re: Does Retirement Make You Lazier?

Yes, the less I work, the less I want to work. I work part time but I'm ambivalent and could quit any time. I have afternoons off and mainly vegetate. Most the things I wanted to do I did in my 50s and got burnt out. I mean biking, skiing, politics, volunteering, music, travel. I can't think of anyt...
by montanagirl
Wed Nov 01, 2017 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Roth fund choices
Replies: 8
Views: 599

Re: Roth fund choices

My Roth is in balanced index only. I keep balanced in my tira, too. That way my roth conversions go from balanced to balanced without any "loss" due to different valuations on a given day.

That's my story anyway. :)
by montanagirl
Fri Oct 27, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 3475

Re: Amazon kindle paperwhite

I have a new Kindle Paperwhite but find it much easier to read on my 2012 samsung tab2 with Kindle app.

The Kindle is just too over featured and fussy for me. Hard to even make a bookmark, but it takes only a single tap with the older app.
by montanagirl
Tue Oct 24, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Deferred Accounts with Lower Income
Replies: 8
Views: 758

Re: Tax Deferred Accounts with Lower Income

I was in the 15% bracket most my life but am in zero or 10% marginal in semi retirement and should stay they when rmd's start.

Still, it's nice to have Roth money too for sudden expenses or splurges.
by montanagirl
Sat Oct 21, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. Why might an insurer want medical underwriting to switch from Plan F to G within the same insurance company, F and G being so similar. Maybe they feel if they say no, and the person has ...
by montanagirl
Fri Oct 20, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

Hmmm, so weird that my change to G needed underwriting. I did have some emergency room *events* while on plan f. I wonder if the insurer was just probing to see if something serious was going on?

But it was nothing covered by the 10 or so questions they asked.
by montanagirl
Fri Oct 20, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Filing jointly under common law
Replies: 6
Views: 669

Re: Filing jointly under common law

My understanding is that you can file jointly (if not already married to someone else) but thereafter you must file as married mfj or mfs or else get a legal divorce or separation. To the IRS you're married. I.e. there is no "common law divorce" in the eyes of the IRS. I have had some awkward conver...
by montanagirl
Wed Oct 18, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1099

Re: Experience with "mini-monovision" cataract implants?

I have monovision implants, one close for reading and one distance. Two ops, different docs. Works fine, but I had been using mono contacts for a good 25 years prior. I did a lot of night driving with no problem when I played in bands. Mind you I do need glasses for the computer, and wear them for ...
by montanagirl
Wed Oct 18, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage. Is there a time limit on how long a insurance company can look back on your application...
by montanagirl
Wed Oct 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Why not switch from Medigap F to G now?
Replies: 43
Views: 3902

Re: Why not switch from Medigap F to G now?

I moved from F to G with my current insurer but it required underwriting..including all drugs I've had in the last 2 yrs. Kind of a pain esp because I worry I might forget something that could void the coverage.
by montanagirl
Tue Oct 17, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Experience with "mini-monovision" cataract implants?
Replies: 16
Views: 1099

Re: Experience with "mini-monovision" cataract implants?

I have monovision implants, one close for reading and one distance. Two ops, different docs. Works fine, but I had been using mono contacts for a good 25 years prior. I did a lot of night driving with no problem when I played in bands. Mind you I do need glasses for the computer, and wear them for c...
by montanagirl
Sat Oct 14, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10669

Re: anyone else not liking the new cars?

The small SUV's ALL are ugly and look the same. Same scrunched up rear end and dippy "aero" grille. RAV4, crv,Jeep, crx, rogue, escape, what's the difference and what are the mfrs thinking?? I once made a montage of 12 of the 2014 models and they looked like they were all designed by the same team, ...
by montanagirl
Fri Oct 13, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Does IRS have equivalent of credit freeze?
Replies: 20
Views: 1471

Re: Does IRS have equivalent of credit freeze?

My wife and I are not eligible to request an IRS PIN, but I know our SS numbers and other info have been hacked at Equifax. What complications will we run into if we E-file a no refund 2017 joint tax return on January 26, 2018 and then file an amended return, with complete info that may or may not ...
by montanagirl
Sun Oct 08, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 105
Views: 19203

Re: Growing old without kids or younger caring relatives

I am in the same position as the OP, assuming I outlive dh and it looks like I will. What worries me most is that various and sundry caregivers will notice that there is nobody visiting, and take advantage of the situation. Guess I'll need some imaginary friends, who will show up any day now.. : :ha...
by montanagirl
Sat Oct 07, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: Medicare versus Medicare Advantage for 2018
Replies: 19
Views: 1929

Re: Medicare versus Medicare Advantage for 2018

I "strategically" started with MA my first year when I was on unemployment and waiting to file spousal at 66. Cost 30/mo and was a godsend. The company has since been run out of business by Blue Cross, which is now dropping its MA plan. Mission accomplished. Anyway, the switch to traditional Medicar...
by montanagirl
Wed Oct 04, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Driving from Boise to Missoula: Best Route?
Replies: 11
Views: 850

Re: Driving from Boise to Missoula: Best Route?

93 is better for gas and rest rooms...at least in the Bitterroot.
by montanagirl
Sat Sep 30, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing $ from Wife to Receive Premium Tax Credit
Replies: 12
Views: 1580

Re: Borrowing $ from Wife to Receive Premium Tax Credit

oldcomputerguy wrote:
Sat Sep 30, 2017 8:51 am
I'm not smart about such things, but since the point of the question is related to taxes, I feel it's relevant to ask, are you filing jointly or separately?

I would assume MFJ because he couldn't get the premium tax credit filing separately anyway.
by montanagirl
Fri Sep 29, 2017 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Medicare Plan Details Now Available
Replies: 15
Views: 1301

Re: 2018 Medicare Plan Details Now Available

The Medicare book in my state hasn't included available medigap plans in years. Just MA and part D.
by montanagirl
Mon Sep 25, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3179

Re: Social Security Question [Social Security Offering Lump Sum]

Run.....don't walk away from this scam :oops: You mean it's not really the SSA offering, or that it's a bad deal? I might go for a 6 mo lump sum for a 4% permanent reduction, since I was thinking of filing a bit earlier anyway. But it's troubling that they would call instead of write. I hope it isn...
by montanagirl
Mon Sep 25, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3179

Re: Social Security Question [Social Security Offering Lump Sum]

I am 68 and sorta thinking about filing at 69 or so. I won't have a spouse or survivor to worry about. But I would hate to mess up my current zero tax bracket with a lump sum.

I wonder if you could claim it ratably over 5 years.
by montanagirl
Sat Sep 16, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: saving an edited pdf file?
Replies: 14
Views: 737

Re: saving an edited pdf file?

I never could do it, until I got Acrobat.

Expensive solution however.
by montanagirl
Tue Sep 05, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25224

Re: Name something you had to have and now you regret purchasing it?

Kindle. I had been using the Kindle app on my tab for years, and thought the real thing would be an improvement. Wrong. The newest Kindle is tetchy and over featured, much less easy and intuitive than the 2012 app. What a pain it is to use. And now I'm on the Kindle Unlimited list and I can't get it...
by montanagirl
Sat Aug 26, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: medigap insurance- did you get excess charges rider?
Replies: 10
Views: 977

Re: medigap insurance- did you get excess charges rider?

Where I live (Mt) it's plan f that pays everything, and plan g that doesn't cover the deductible.

Thought it was the same everywhere. :confused
by montanagirl
Thu Aug 24, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3432

Re: Miles Davis: Kind of Blue - Question for Jazz experts

I've looked all over but I don't think there's another like KoB. And yeah tempo has a lot to do with it. But, follow the players..Bill Evans at the Vanguard, Jimmy Cobb and Wynton Kelly with Wes Montgomery, Smokin at the Half Note, and Coltrane's subsequent works. That's as close as you can get imo.
by montanagirl
Wed Aug 16, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11201

Re: Anyone planning on never retiring?

Mim I did not mean to offend anyone by this question. Hell no I'm 68 and struggling with the issue too, and still working part time and seasonal to head off the Stupid problem. Trouble is, not needing the money I don't want to put up with any hassle at all. I daydream about walking out but then wha...
by montanagirl
Sun Aug 13, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1887

Re: Tub/shower/bath cleaners...your recommended products?

Yeah I could use a better way to clean my acrylic tub without scratching it up
by montanagirl
Sat Aug 05, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7827

Re: Study: Who Sold Stock During the 2008-9 Crash?

MotoTrojan wrote:
A MM account is a cash equivalent in my eyes.
Yeah I meant I left everything in the retirement accounts. I guess the ones taking cashing out were the ones losing their jobs.
by montanagirl
Fri Aug 04, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: Study: Who Sold Stock During the 2008-9 Crash?
Replies: 85
Views: 7827

Re: Study: Who Sold Stock During the 2008-9 Crash?

I moved everything to money mkt in Nov 2007. I did not feel secure in my job and knew we were in for rough times ahead. Didn't think I could take the drama. At least I didn't cash out.

Of course I missed a great buying opportunity but did ease back in by 2011.
by montanagirl
Wed Aug 02, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4701

Re: What to do with 3oz of gold?

No. Too many crime novels begin that way. They tell their friends, and they have a no good stoner friend of friend... you discover same digging in your garden one night, and they are armed .... you know how this movie goes. =. This happened in my family. Gal had about $8000 in gold in a safe and he...
by montanagirl
Sat Jul 29, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: Medicare Plan F and Part D: Use a Broker or Not?
Replies: 19
Views: 1715

Re: Medicare Plan F and Part D: Use a Broker or Not?

I used a broker the first year, and he was very knowledgeable. No additional cost. But he steered everyone toward a $33 MA plan and could not understand why anyone would want Plan F. Each year he figured out the best deal. But second year I wanted F and so did it on my own. Didn't want to argue with...
by montanagirl
Fri Jul 28, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Is it too late to write off basement finish from 4 yrs ago?
Replies: 8
Views: 1550

Re: Is it too late to write off basement finish from 4 yrs ago?

Aside from the fact it was not rental property at the time of the expense, you are probably a cash basis taxpayer and can't deduct something you spent in a prior year. Gill He could specifically depreciate it though couldn't he??? Esp if it was done for the intent of renting. Yes but it's too late ...
by montanagirl
Mon Jul 24, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13203

Re: Books not to read.

Are all Victorian English novels bloated messes? That's my impression from reading (some, not all) Hardy, Dickens, A.Trollope, George Eliot, Brönte (C & E). Was it all part of the general oozy excess of the Victorian era? They were serialized and I believe they did have to hit a page or word number...
by montanagirl
Mon Jul 24, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2692

Re: NYT Medicaid Article

The one nursing home here that I have experience with has a separate Medicaid ward. The (shared) rooms are more cramped and there are fewer staff, slower response times etc.

I shall do the same as Victoria plans, spend down my wad in situ and expect then to be moved to the far ward.
by montanagirl
Mon Jul 24, 2017 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 43
Views: 4219

Re: Pay yourself first.

I do. I did it today. I have a rough budget in my head, and scrape what's left over to savings.

Love the concept. It characterizes savings as reward rather than self-denial.
by montanagirl
Sun Jul 23, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9089

Re: Investing Education and Mansplaining

Videos are a drag. They take too much time to watch. Short written articles would be more convenient.
by montanagirl
Sun Jul 23, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: NYT Medicaid Article
Replies: 16
Views: 2692

Re: NYT Medicaid Article

littlebird wrote:Not a whole lot of expertise on display.
I don't think it was supposed to be a how-to article.
by montanagirl
Sat Jul 22, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13203

Re: Books not to read.

I agree. Jane Austen, while infuriating much of the time, can be an acquired taste, or at least acquired appreciation- she was for me. That chapter is great. One of the things people don't like about Jane Austen is her attention to the mundane, i.e. financial details. Tacky to discuss dowries? She ...
by montanagirl
Fri Jul 21, 2017 4:58 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 64
Views: 6798

Re: Most Americans don't trust financial advisers

Taught in schools? That's news to me, especially since personal finance isn't taught in any high schools TMK. If you haven't already, I recommend checking out this thread: https://www.bogleheads.org/forum/viewtopic.php?t=223842 At my high school I took personal finance, however, it was an elective ...
by montanagirl
Thu Jul 20, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: SAT scores - whats the point??
Replies: 37
Views: 2124

Re: SAT scores - whats the point??

If shelling out tuition really means getting loans, scholarships and Pell grants, all the more reason to make sure the student can compete. And it would feel terrible to realize that everyone else is smarter or at least working much harder. Yet a student making it through State U can still make a su...
by montanagirl
Sun Jul 16, 2017 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 9546

Re: Please explain how Medicare Billing works?

I had this happen, my billing was for annual at 9 months into MC by my GP, I called they billed it as welcome, all is good. Same happened to me. I asked expressly for the Welcome visit but it was coded as an annual. Easy mistake since I always went in for an annual anyway. U emailed Billing and it ...
by montanagirl
Wed Jul 12, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 1055

Re: Home made "Trail mix"

Dupe post.
by montanagirl
Wed Jul 12, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Home made "Trail mix"
Replies: 13
Views: 1055

Re: Home made "Trail mix"

Costco has big jugs of unsalted mixed nuts that make a great trail mix when you add raisins.
by montanagirl
Sat Jun 24, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7311

Re: Your Favorite Vanguard Fund

I like Balanced index. I'd like move everything to for my rmd a couple years hence.
by montanagirl
Sun Jun 18, 2017 9:16 am
Forum: Personal Finance (Not Investing)
Topic: So sick of it! [Paying off student loans]
Replies: 42
Views: 7115

Re: So sick of it!

spitty wrote:I'd pay it off especially because interest isn't deductible. .
Why isn't it deductible? Is that something to do with sofi?
by montanagirl
Mon Jun 12, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement or permanent limbo around 50?
Replies: 19
Views: 2619

Re: Retirement or permanent limbo around 50?

It happened to my brother - laid off at 51 by Unisys (**spit**) and never worked again. After he went through UE, savings and selling his house, our dad supported him and his kids and disabled wife.

It made me cling to my cruddy job until I was laid off at 65.