Search found 964 matches

by Jackson12
Tue Jul 16, 2019 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a home; Very HCOL Area
Replies: 40
Views: 3611

Re: Buying a home; Very HCOL Area

HCOL Area, property taxes well north of 10K annually (for not much property) - Is there ever a break-even point where home ownership in these kinds of areas are actually "worth it" financially? Perspective: In my area, you are spending 400K for a "fixer upper". For half a million, you're buying som...
by Jackson12
Tue Jul 16, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1548

Re: Our situation : any compelling reason to defer Social Security to age 70?

(apart from Total Benefit) ... Who knows how long you will live? For those without pension or annuity, waiting to age 70 to draw SSI can be a cash flow benefit. Especially if you have a bundle of investments in qualified accts that need to be spent down by age 70 to reduce RMDs. So.. there are seve...
by Jackson12
Tue Jul 16, 2019 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1548

Re: Our situation : any compelling reason to defer Social Security to age 70?

have you run Mike's excellent calculator, Advanced tab? https://opensocialsecurity.com Yes. There is not a significant difference in lifetime benefits if we file at age 66 for all social security benefits we’re eligible for ( retirement, spousal, etc) ..compared to my spouse deferring his retiremen...
by Jackson12
Tue Jul 16, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation : any compelling reason to defer Social Security to age 70?
Replies: 10
Views: 1548

Our situation : any compelling reason to defer Social Security to age 70?

Here’s our situation : I was born in 1953, spouse in 1952. Because we were both born before January 2 1954 we’re eligible to file under Social Security’s restricted application rules , A detailed discussion of that option can be found in this thread. I was the original poster. https://www.bogleheads...
by Jackson12
Sat Jul 06, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1362

Re: Sofa or couch ( an6 difference) for new homeowners

With 2 kids, we had “disposable” in mind as well for our couches. We got a nice set from Basset furniture that fit our eye without breaking the bank. Would recommend a couch that allowed you to flip both backrest and seat cushions. When our kids were small we purchased a sectional from Value City, ...
by Jackson12
Sat Jul 06, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1362

Re: Sofa or couch ( an6 difference) for new homeowners

Katietsu wrote:
Sat Jul 06, 2019 4:45 pm
If MidWest is IN, IL , WI, MI check this out: https://www.mybobs.com/furniture/living ... as/c/sofas
That’s the general vicinity.
by Jackson12
Sat Jul 06, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1362

Re: Sofa or couch ( an6 difference) for new homeowners

If you are just looking for a standard three seater couch, no sectional and no reclining bits, there is a huge selection of these for less than $500 at all but the “fancy” furniture stores in my area. I was surprised when I went looking. I have contemplated using Wayfair and have had friends who we...
by Jackson12
Sat Jul 06, 2019 4:29 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1362

Re: Sofa or couch ( an6 difference) for new homeowners

If you are just looking for a standard three seater couch, no sectional and no reclining bits, there is a huge selection of these for less than $500 at all but the “fancy” furniture stores in my area. I was surprised when I went looking. I have contemplated using Wayfair and have had friends who we...
by Jackson12
Sat Jul 06, 2019 3:28 pm
Forum: Personal Consumer Issues
Topic: Sofa or couch ( an6 difference) for new homeowners
Replies: 25
Views: 1362

Sofa or couch ( an6 difference) for new homeowners

Our son and spouse just purchased their first home and plan to there for years . Their jobs are fairly stable...in their fields. They paid for the home without help and we don’t help them financially. But both took a pay cut to get jobs they love, ones with good promotion possibilities ( unlike thei...
by Jackson12
Thu Jul 04, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 39
Views: 4381

Re: Purchasing Major Appliances from Costco

We purchased a double wall oven. We had an excellent experience bit primarily because we researched what we needed to do to ensure there would be a smooth installation. Whatever you do, do not assume the appliance specs for height, width and depth are accurate Ours were not. Here’s what we did: 1. W...
by Jackson12
Wed Jun 26, 2019 2:30 am
Forum: Personal Consumer Issues
Topic: Purchasing Major Appliances from Costco
Replies: 39
Views: 4381

Re: Purchasing Major Appliances from Costco

We recently ordered an oven from Costco. It is due to be installed this week. They offered the best price around plus an extra year on the warranty ....an advertised perk of membership. Costco also offers something called “free concierge service” but I haven’t explored the details yet. Any info in t...
by Jackson12
Wed Jun 05, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4788

Re: Are we downsizing too much?

What is the main reason for downsizing? Financial or too much upkeep, or both. +1 Unless it is for financial or too much upkeep, why bother downsizing? Many of my peers live in houses with plenty of unused rooms from when the kids moved out but still keep the same house because they can afford to f...
by Jackson12
Wed Jun 05, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4788

Re: Are we downsizing too much?

Good Morning. I am curious as to why you designate a fireplace as priority. I will appreciate your thoughts. It’s a priority but not an “absolute need”, true, but fireplaces are common where we live and we’ve always had one and enjoyed relaxing, reading, playing board games, and hanging out with fr...
by Jackson12
Tue Jun 04, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4788

Are we downsizing too much?

Please help with perspective, we’re in a 3000 sq foot home and only bought a home this big, many years who, because we got a great deal...and because we had 3 kids and the home worked perfectly for us. We used every inch. The kids are now grown and we’re ready to move on. We’re now wondering how muc...
by Jackson12
Thu May 30, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 5863

Re: Women, How Much Do You Pay for Haircut

Right now, about $80+tip for cut, shampoo, and style. This is with a specially-trained stylist for curly hair. On the other hand, paying more for a special stylist saves me a half hour every morning trying to blow dry my hair straight, which over a year of workdays is 120 hours or 5 full days of st...
by Jackson12
Thu May 30, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 5863

Re: Women, How Much Do You Pay for Haircut

Cut, color and tip: $80. It’s a splurge but my hair is a apparently tricky to cut and style ( curly, frizzy,) and I’ve never found a better stylist. The right style and cut allows me to shampoo, fluff and air dry...or use a blow dryer and diffuser if I’m in a rush. The wrong style is high maintenanc...
by Jackson12
Thu May 30, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1752

Re: Recommendations for a budget TV

As my spouse got older, smaller TVs caused problems when trying to read subtitles or see fine image details. So even though our smaller tv was in fine condition we bought a larger tv and put the other tv in a guest room. I mention because age may play a factor and might be worth considering. His vis...
by Jackson12
Wed May 29, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5706

Re: Anybody try the Blue Apron or the like?

Tried it with a special reduced price offer. Portion sizes varied widely. We aren’t used to overly large servings and eat healthily , don’t stuff ourselves, etc...but even so, some Blue Apron meals had such skimpy portions that the 4 person meals barely served 2. The vegetables also cane in random a...
by Jackson12
Wed May 29, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1334
Views: 136995

Re: [What TV Show Have You Recently Watched?]

Professor T on PBS Masterpiece. Stick with it. It gets better and better with each episode.
Mindhunter. When is it returning? It’s been awhile.
by Jackson12
Wed May 29, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a budget TV
Replies: 22
Views: 1752

Re: Recommendations for a budget TV

renue74 wrote:
Tue May 28, 2019 9:59 pm
TCL TVs on Amazon.

Great.
Another vote for TCL . We love it. Bought another one for our son ( smaller model) . He’s very happy with it . Got them at Target, on sale.. Simple interface, solid and clear pictures, vivid and true to life color.
by Jackson12
Wed May 29, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years!

We had an expensive Miele and hated it. Extremely noisy and persistent fan, poor cooking of some baked goods, and failed in six years. Happier with good ol GE. We’re considering the 30 in. GE Cafe Double French Door Electric Wall Ovens. While I’m wary of Consumer Report ratings, the ovens are top r...
by Jackson12
Wed May 29, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

https://www.antiquestoveheaven.com/for-sale They’re lovely but I don’t see wall ovens there. Why restrict to a wall oven? Better a stand alone stove that works for decades. Unfortunately, our current kitchen configuration and available space wall won’t allow for a free standing stove , not unless w...
by Jackson12
Wed May 29, 2019 3:41 am
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Miele

Miele. Made in Deutschland. 24-inch. Is large enough. They also make a 30-inch. Speed oven. And, convection oven. $6000-$7000. Worth it. Amazing ovens. It’s a consideration. If we’d purchased one quality and possibly pricey oven in the first place maybe we wouldn’t have ended up paying nearly $7000...
by Jackson12
Wed May 29, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

HomeStretch wrote:
Tue May 28, 2019 11:39 pm
Wolf double ovens.
Those seem to be in the $7000 range? Whoa...that is up there.
by Jackson12
Tue May 28, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

HomeStretch wrote:
Tue May 28, 2019 11:39 pm
Wolf double ovens.
Thanks. They do seem pricey...but less than going through 2 sets of cheaper ovens.
by Jackson12
Tue May 28, 2019 11:43 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

Are you using self cleaning features? Don't. Lower cost ovens are not adequately insulated to protect circuitry and wiring from the heat. I know self cleaning ovens have been around for 50 years .... but everything is cheapened now. Friends warned us to avoid the self cleaning feature so we didn’t ...
by Jackson12
Tue May 28, 2019 11:41 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Re: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

What was wrong with the old ovens? Ovens are very simple and the few things that can go wrong are usually repairable. If you have been using the same repair person for all of this you might try a different one. We actually had many repair people sent out to repair the ovens, all required to be pre-...
by Jackson12
Tue May 28, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!
Replies: 49
Views: 3155

Double ovens, please advise on these options, have gone through 2 ovens in under 10 years.!

I’m so confused when it comes to choosing new wall ovens. We’re gone through 2 sets in under 10 years and the last was top rated by Consumer Reports. We know it isn’t an electrical issue. It’s the ovens ( as repair people reassured us). Can anyone here recommend 27 to 30 inch double wall ovens ( pre...
by Jackson12
Tue May 28, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance question
Replies: 5
Views: 601

Re: Health Insurance question

Why didn't you see the bills go to your insurance? Why didn't you notice that the bills went on your wife's insurance? We have received EOBs and hospital bills many many months after surgery or other procedures occurred. We weren’t quickly notified by insurance companies about billing...unless pre-...
by Jackson12
Tue May 28, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 12
Views: 1378

Re: Please help figuring out cost of medical treatment(s)

The actual math of it all is easy, it is getting prices that is tough. A few things you need to start... -J Code of the Drug -CPT Codes they use for the infusion -Location type (hopsital, outpatient, etc). This will determine if they charge a facility fee. Once you have this info, in theory, you sh...
by Jackson12
Tue May 28, 2019 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Please help figuring out cost of medical treatment(s)
Replies: 12
Views: 1378

Re: Please help figuring out cost of medical treatment(s)

My husband has an autoimmune disease. Up until now he's been taking a medication that was mostly covered by his insurance (the remaining part was covered by a copay assistance program through the drug manufacturer, so he actually didn't have to pay anything out of pocket). His doctor has suggested ...
by Jackson12
Sat May 25, 2019 4:21 am
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 221
Views: 12803

Re: Should I encourage my kids to work in high school/college?

I don’t think there’s a “ one size fits all” answer to this question. It depends on the kid, Speaking only for my family, our high schoolers always had the basics (food , clothing , etc) but were on a tight enough budget for spending money that they were motivated to earn extra money for some desire...
by Jackson12
Fri Apr 19, 2019 2:08 am
Forum: Personal Finance (Not Investing)
Topic: When did you start spending more and saving less?
Replies: 77
Views: 5153

Re: When did you start spending more and saving less?

I think we have less common circumstances. We don’t anticipate ever We don’t anticipate “spending more” and “saving less”, ..Or to clarify, we don’t anticipate spending more on ourselves. We anticipate keeping our savings rate very high and our expenses very low , even in retirement. For now ...and ...
by Jackson12
Sat Apr 13, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Our situation: should my spouse wait till age 70 to claim Social Security?
Replies: 5
Views: 1053

Re: Our situation: should my spouse wait till age 70 to claim Social Security?

Thanks for all the input. After getting the feedback , we’re leaning toward holding off till 70.

.
by Jackson12
Sat Apr 13, 2019 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Our situation: should my spouse wait till age 70 to claim Social Security?
Replies: 5
Views: 1053

Our situation: should my spouse wait till age 70 to claim Social Security?

Info: We had always planned for the higher earner, in this case my spouse, to defer taking Social Security benefits till age 70. Because of our ages ( born in 1953 or earlier) we are eligible for “ restricted” filing. We are nearly fully retirement age, My spouse will reach it within the year. We ra...
by Jackson12
Thu Feb 21, 2019 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Long term care premiums and tax deductions
Replies: 5
Views: 394

Re: Long term care premiums and tax deductions

Ours are deductible rendering the 'marginal' costs after taxes to be less than $2,000 for both. But I would check with your tax preparer and/or your state... maybe give them a call or email. I’ll be reviewing everything with a tax preparer but I’m a bit obsessive about trying to do some preliminary...
by Jackson12
Thu Feb 21, 2019 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Long term care premiums and tax deductions
Replies: 5
Views: 394

Re: Long term care premiums and tax deductions

Are long-term care premiums still included with medical expenses as a tax deduction?.... Yes according to TurboTax 2018. Qualified long-term care insurance premiums are entered separately for calculation purposes but then are added back in with other medical expenses for the total that flows throug...
by Jackson12
Thu Feb 21, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Long term care premiums and tax deductions
Replies: 5
Views: 394

Long term care premiums and tax deductions

Are long- term care premiums still included with medical expenses as a tax deduction? I’ve searched online and found confusing and contradictory info. I’m wading through the new tax regulations and we will be using a tax accountant but I thought this post might also be a useful “ heads up” for some ...
by Jackson12
Sat Dec 22, 2018 11:36 am
Forum: Personal Investments
Topic: Is anyone's portfolio not tanking???
Replies: 129
Views: 13557

Re: Is anyone's portfolio not tanking???

Looking back to 2008, today’s fluctuations, this far, seem a blip : https://www.bogleheads.org/forum/viewtopic.php?f=1&t=148849&p=2225136#p2225136 When I feel nervous about market fluctuations, I revisit that and other threads from 2008. Thats kept me staying the course....after reading how others f...
by Jackson12
Thu Dec 20, 2018 9:01 am
Forum: Personal Consumer Issues
Topic: How much to tip beyond “ usual and customary” in this situation
Replies: 5
Views: 630

Re: How much to tip beyond “ usual and customary” in this situation

This is very helpful. I was wavering between $75 and $100, I’m going to give $100 and a handwritten note.
by Jackson12
Thu Dec 20, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: How much to tip beyond “ usual and customary” in this situation
Replies: 5
Views: 630

How much to tip beyond “ usual and customary” in this situation

While I understand the basics of “ usual and customary “ tipping, we have a delivery person who goes above and beyond, often delivering a huge influx of heavy business packages with no co- workers to help . We've experienced excellent delivery service before ( as well as some abysmal service). She s...
by Jackson12
Sat Nov 24, 2018 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1129

Re: Select Cobra or other short term health insurance?

After doing some research and If I’m understanding correctly, if she kept her job for even one day in December, she and her spouse wouldn't face a penalty for not having minimum essential coverage during any part of 2018 ..in this case, December. I could be misinterpreting the requirements. She say...
by Jackson12
Sat Nov 24, 2018 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1129

Re: Select Cobra or other short term health insurance?

After doing some research and If I’m understanding correctly, if she kept her job for even one day in December, she and her spouse wouldn't face a penalty for not having minimum essential coverage during any part of 2018 ..in this case, December. I could be misinterpreting the requirements. She says...
by Jackson12
Fri Nov 23, 2018 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1129

Re: Select Cobra or other short term health insurance?

I think she'd have at least the following options: 1. Buy an ACA-compliant policy through Healthcare.gov to cover the period before she gets the employer coverage. These plans are pricey because they include key ACA provisions including no cap on benefits and pre-existing conditions are OK. You sho...
by Jackson12
Fri Nov 23, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Select Cobra or other short term health insurance?
Replies: 13
Views: 1129

Select Cobra or other short term health insurance?

Here’s the situation : A cousin, married, has accepted a new job which starts a month after she receives her last paycheck from her current employer. Her last day with her current employer is within the week and her employer health insurance benefits, with significant employer contributions, end rel...
by Jackson12
Thu Nov 01, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son from employer insurance when accepted for full Medicaid?
Replies: 5
Views: 785

Re: Drop son from employer insurance when accepted for full Medicaid?

Medicaid is administered by the State, so make sure to check with yours. In MA it is under MassHealth. MassHealth appears to prefer to be a secondary insurance with the employer provided insurance as primary when that is an option. With our adult disabled son, MassHealth is his secondary and they a...
by Jackson12
Thu Nov 01, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Drop son from employer insurance when accepted for full Medicaid?
Replies: 5
Views: 785

Re: Drop son from employer insurance when accepted for full Medicaid?

I agree with Silk that you shouldn't drop until 100% sure of no meaningful benefits to being on the employer insurance due to the possible inability to add him back on. It's great to hear that his current medical professionals accept Medicaid and his costs are covered via that program, but not all ...
by Jackson12
Thu Nov 01, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 1083

Re: Best and reasonably priced moving companies for cross country move

We did a move from Massachusetts to Chicago using 1-800-packrat. They are a service similar to PODS and ABF UPack. We got a 16x8x8 foot container and filled it only a little over half way. Moved a ~1000sqft apartment with limited furniture (no kitchen appliances, mattresses, or couches). On the sta...
by Jackson12
Thu Nov 01, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Best and reasonably priced moving companies for cross country move
Replies: 17
Views: 1083

Re: Best and reasonably priced moving companies for cross country move

Consider- PODS https://www.pods.com/?eadid=phone::8884959783&kpid=GOOGLE_149304315_10988961075_269414206464_kwd-47924811_c&ksprofid=3123&ksaffcode=kw630&ksdevice=c&utm_content=residential&gclid=CjwKCAjwpeXeBRA6EiwAyoJPKp8bYI9ivXqnMd58qTuci5cEb4vFMWavyUjroA77La7tzyol9U9xehoC6LYQAvD_BwE Thanks. I’ll ...