Search found 295 matches

by MandyT
Mon Aug 24, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

You might want to re-read my entire post to you. I spent time trying to be helpful, but you misinterpret as "piling on" and needing to defend yourself. I won't engage in any interpretation of your reaction, but perhaps you might want to further reflect. You made the first of four posts suggesting t...
by MandyT
Mon Aug 24, 2020 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

Watty wrote: Mon Aug 24, 2020 12:34 pm I used LegalZoom a few years ago since we had a simple situation since our retirement accounts have a named beneficiary.
This was extremely helpful, Watty.
by MandyT
Mon Aug 24, 2020 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

I agree with galawdawg that it's usually better to ask around than to use the bar association's referral list. What makes this situation difficult is that the matter is sufficiently small that you might not want to pay what it would cost for someone in a firm with a good trusts and estates group (w...
by MandyT
Mon Aug 24, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

No, Mel Lindauer is not the board luminary to whom I was referring. Apparently it was only four (including sambb) posters who suggested that I had done something to make the attorney not want to work with me. Thank you for providing the helpful quotations. I actually edited "assumed" to "suggested" ...
by MandyT
Mon Aug 24, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

However, considering that you are already having uneasy feelings about this attorney (justified or not), have accused him of "breaking the rules" about contacting you after the referral and are also suggesting that you are a rabbit dealing with wolves "in the law profession", perhaps this attorney ...
by MandyT
Sun Aug 23, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

.. Attorney: No consult fee. I’ll give considerable free advice that’ll help you plan your estate. The Will is $250.00 and the directive Is $200. You may need a beneficiary deed If you own your own home. This is $250 plus recording costs. You don’t need to do them all at once. In fact after our con...
by MandyT
Sun Aug 23, 2020 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Re: Want to write a will, having trouble finding an attorney

As an aside: In my past consulting work, if during an initial telephone consultation I had some bad feeling about the person on the other end of the phone, I would make one of the following statements in a respectful and socially-skilled fashion: 1. Currently, I don't do the exact type of work whic...
by MandyT
Sun Aug 23, 2020 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Want to write a will, having trouble finding an attorney
Replies: 45
Views: 2884

Want to write a will, having trouble finding an attorney

I hope this is in the right forum. I think it's about time to write my will and related paperwork. I am retired and have been living in a new city for about a year. Most of my new contacts were through musical groups which are currently shut down. I have a local-ish friend who recently established a...
by MandyT
Sat Aug 15, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Haggling at Furniture Store (Lay-z-Boy)
Replies: 36
Views: 26939

Re: Haggling at Furniture Store (Lay-z-Boy)

[pedantic]

It's La-Z-Boy.

[/pedantic]
by MandyT
Wed Aug 12, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: SOLVED was: Ideas for hard-to-find OTC supplement?
Replies: 11
Views: 823

Re: SOLVED was: Ideas for hard-to-find OTC supplement?

Thanks for the replies. When I ordered my item, it listed an August 13 delivery date. Once it shipped, the estimate changed to August 14 by 9PM. That didn't take long. I still think this will have been faster and less labor-intensive than any of the other options. I mentioned on the TV thread that I...
by MandyT
Wed Aug 12, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2118
Views: 225293

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

I just started a month-long trial of Amazon Prime and watched the pilot of The Marvelous Mrs. Maisel, about which I've heard many good things. So far, so good.
by MandyT
Tue Aug 11, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: Moving truck rental add-ons
Replies: 26
Views: 1629

Re: Moving truck rental add-ons

In most things, I try to be frugal and avoid add-ons, but I generally get the lower-level insurance when I rent from U-Haul. I've had mainly bad experiences with professional movers (mostly because mine was usually the smallest load on the truck, so I got used to being promised a 4-5 day load spread...
by MandyT
Tue Aug 11, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: SOLVED was: Ideas for hard-to-find OTC supplement?
Replies: 11
Views: 823

Re: Ideas for hard-to-find OTC supplement?

I decided to start a free trial of Amazon Prime, so, fingers crossed, I might have my item on Thursday. My next project is to figure out what I want to watch on Prime Video for the next month. Thanks for the replies.
by MandyT
Tue Aug 11, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: SOLVED was: Ideas for hard-to-find OTC supplement?
Replies: 11
Views: 823

SOLVED was: Ideas for hard-to-find OTC supplement?

This is personal, and the financial aspect is that I'd rather avoid paying through the nose for rush shipping. I would like to start right away (or close), and routine shipping would take about a week. My doctor has directed me to buy a specific dosage of a specific supplement. It seems easy enough ...
by MandyT
Mon Aug 03, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Reimbursing old medical bills under a "new" HSA
Replies: 21
Views: 1977

Re: Reimbursing old medical bills under a "new" HSA

Can old medical expenses from previous years (incurred after my HSA was started, but before my spouse's HSA) be submitted for reimbursement under my spouse's HSA? I think it has been established that the answer to this question is "no", but there might be a work-around. My understanding is that the...
by MandyT
Mon Jul 20, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15190

Re: Retirees, share your epiphanies..

I'm 58 and have been retired for three years. I'm not sure if I'd call this an epiphany, but it's an observation. If you avoid lifestyle creep and forming expensive habits, it will pay you twice: you will save more during the accumulation phase, and what you accumulate will last you longer because y...
by MandyT
Sun Jul 19, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: How do you buy time with money?
Replies: 47
Views: 3923

Re: How do you buy time with money?

Retire early. Because of an arcane situation at my university which permitted me to get retiree health insurance if I retired either at age 55 or age greater than or equal to 60, but not in between, I retired at 55 (in the summer of 2017), which was earlier than I had envisioned. I ran the numbers a...
by MandyT
Tue Jun 16, 2020 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3799

Re: working longer for free health care? is it worth it?

Like others have said, no need to make a decision now. Perhaps you should re-visit this when you are 58 or 59. I have to agree. Many things could change on campus and/or in your life in the next five or six years. In five years, you'll be able to make a more informed decision based on more concrete...
by MandyT
Tue Jun 16, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5788
Views: 1380896

Re: What Movie Have You Recently Watched?

Valentine's Day , on Netflix. This is a nice romantic comedy starring Ashton Kuscher Jennifer Garner, and many others, about the romantic adventures of several couples young and old on a single day. I never saw this movie (likely because of the terrible reviews), but I just searched for some inform...
by MandyT
Fri Jun 12, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: form 8606 blues
Replies: 64
Views: 3578

Re: form 8606 blues

Some of the data for 8606 is supposed to come from Form 5498. 5498 is always issued late. 2018 was dated 5/20/2019, and I haven't seen the one for 2019. Exactly what data is supposed to come from Form 5498? I have included a Form 8606 with my income tax returns for many years, and I have never need...
by MandyT
Sun May 31, 2020 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: paper tax returns
Replies: 17
Views: 1406

Re: paper tax returns

Thanks for the tip on free fillable forms. I've done paper forever, but will give the free fillable a trial this tax season. Note: Free File Online is the version that's limited to taxpayers under a certain income. Free File Fillable Forms does not have an income limit; it basically takes input, do...
by MandyT
Sat May 16, 2020 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Ideas for WFH presentation setup
Replies: 6
Views: 878

Re: Ideas for WFH presentation setup

Thanks. I am using Zoom. I need to annotate the PDF to fill in details: Specifically, present various math theorems in the typeset PDF with whitespace left in the PDF that will be filled-in with the proof by hand—to mimic what one would do in a real classroom. The material is quite math-heavy and f...
by MandyT
Mon May 11, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: How Do Early Retirees Pay for Medical
Replies: 132
Views: 10118

Re: How Do Early Retirees Pay for Medical

Here's a summary of my situation: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=200423&p=3073542#p3073542 My university is "public" (seemingly receiving less public funding every year) and is currently suffering as a result of additional holdbacks of state funding for FY20 plus cuts for FY21....
by MandyT
Sat May 09, 2020 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse rollover IRA to 401(k) this year. Can I still backdoor Roth for 2019?
Replies: 9
Views: 429

Re: Reverse rollover IRA to 401(k) this year. Can I still backdoor Roth for 2019?

I think you can do what you want, but it won't really be a 2019 backdoor Roth. You can make the 2019 non-deductible TIRA contribution until July 15, but the Roth conversion will be a 2020 transaction so you want the overall TIRA balance as of 12/31/20 to be zero. You'll need to fill out 2019 Form 8...
by MandyT
Fri May 08, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse rollover IRA to 401(k) this year. Can I still backdoor Roth for 2019?
Replies: 9
Views: 429

Re: Reverse rollover IRA to 401(k) this year. Can I still backdoor Roth for 2019?

I think you can do what you want, but it won't really be a 2019 backdoor Roth. You can make the 2019 non-deductible TIRA contribution until July 15, but the Roth conversion will be a 2020 transaction so you want the overall TIRA balance as of 12/31/20 to be zero. You'll need to fill out 2019 Form 86...
by MandyT
Fri May 08, 2020 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 67
Views: 17792

Re: Rule of 55 is it official?

It's not tax free, but it is free of the 10% early withdrawal penalty for being under 59.5 years old. https://www.irahelp.com/slottreport/age-55-rule-taking-money-out-company-retirement-plan The distribution would still be subject to federal (and state) income taxes. That makes sense. I didn't real...
by MandyT
Wed Apr 29, 2020 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Proof of ownership and paper statements
Replies: 25
Views: 1814

Re: Proof of ownership and paper statements

I'm just old enough that my first savings account had a passbook. The real-time balance and all transactions were recorded in the passbook. I'm not sure if there were customers who had reservations about transitioning to monthly statement savings accounts similarly to the way some customers nowadays...
by MandyT
Wed Apr 29, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How do you explain no COVID19 Stimulus Payment?
Replies: 89
Views: 7480

Re: How do you explain no COVID19 Stimulus Payment?

Isn't your stimulus check for zero. And, as such, haven't you received it already. This makes "I received what I was supposed to" an answer that is true and not obviously evasive. (I don't do any Christmas shopping, so, when asked if I've done my Christmas shopping yet, I'll generally answer "not y...
by MandyT
Mon Apr 06, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4674

Re: Charity during the pandemic

The CARES act provides that even those who don't itemize on their tax returns can deduct up to $300 in charitable contributions. As cited above, taxpayers who do not otherwise elect to itemize deductions are allowed an above-the-line deduction in 2020 for up to $300 for charitable contributions mad...
by MandyT
Sun Mar 29, 2020 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Re: Should I get Life Alert, or similar?

Just to "close the loop": I have installed the free version of the app "Snug Safety" on my cell. It will notify three of my contacts if I fail to check in each day by 11AM. I've cautioned them that I might forget for the first week or so but that I'd try really, really hard not to. Thanks again for ...
by MandyT
Sat Mar 28, 2020 7:00 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Re: Should I get Life Alert, or similar?

Sandtrap wrote: Sat Mar 28, 2020 6:41 pm What do you think of the Apple Watch with that 911 feature, etc.?

j :happy
I suppose I will do my due diligence and look into it (I certainly have enough time on my hands).
by MandyT
Sat Mar 28, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Re: Should I get Life Alert, or similar?

You might find the comments on another forum interesting: https://www.agingcare.com/questions/is-there-an-app-or-service-for-people-living-alone-that-alerts-someone-if-the-loner-doesnt-check-in-453860.htm?orderby=recent Thanks again for all of the helpful comments, and specific thanks for the point...
by MandyT
Fri Mar 27, 2020 8:50 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Re: Should I get Life Alert, or similar?

I appreciate the suggestions. There may be no way to find out, but I'd be really curious whether these companies are running relatively normally or whether they are cutting staff/cutting corners/likely to fold. It probably depends on whether more people are adding the service because of concerns suc...
by MandyT
Fri Mar 27, 2020 6:56 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2379

Should I get Life Alert, or similar?

I am 58 years old, retired and in very good health. I moved to a new city in July and live by myself in an apartment. I am an introvert and tend to make social contacts through musical groups, all of which are currently shut down. I feel a bit isolated geographically. I'm trying to take good care of...
by MandyT
Thu Mar 26, 2020 8:17 pm
Forum: Personal Consumer Issues
Topic: What is with the printer paper delivery times on Amazon?
Replies: 39
Views: 2417

Re: What is with the printer paper delivery times on Amazon?

ARoseByAnyOtherName wrote: Thu Mar 26, 2020 8:04 pm Next time you go to Walgreens to pick up prescriptions or some cold medicine grab a ream of printer paper too.
This is what I was going to say. I needed printer paper for my state taxes and Walmart was out. I checked around and Walgreens had some in stock.
by MandyT
Wed Mar 25, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: USAA Tow Truck--Social Distancing
Replies: 30
Views: 1605

Re: USAA Tow Truck--Social Distancing

I understand that you wouldn't want to do this in normal times, but would you be willing to have USAA tow your vehicle to the repair shop and just not go with it? That way, you wouldn't have to figure out how to get home. I seem to recall using their Roadside Assistance a few years ago and being cha...
by MandyT
Sat Mar 21, 2020 11:05 am
Forum: US Chapters
Topic: [Virtual online chapter - Master thread]
Replies: 136
Views: 37917

Re: [Virtual online chapter - Master thread]

Hey sorry, I've been slacking off. But yes, would folks be interested in a regular meeting? I'm thinking if I set some dates (e.g. every 3 months) then I'll be more likely to stick to it: How about: 4/7 @ 8pm 7/14 @ 8pm 10/6 @ 8pm 12/15 @ 8pm All eastern standard time If folks are interested, I'll ...
by MandyT
Fri Mar 13, 2020 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Princess Cruise: Take Cash or Greater Future Credit
Replies: 23
Views: 2128

Re: Princess Cruise: Take Cash or Greater Future Credit

Contrarian, as usual. If you like the Princess product, take the bonus. One way or another they will be back in business eventually. Hopefully! Is this necessarily the case? About thirty years ago, a friend gave me a 1-year subscription to a magazine as a gift. The publishing company went bankrupt....
by MandyT
Tue Mar 10, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Distribution Code Question
Replies: 11
Views: 593

Re: Roth IRA Distribution Code Question

Thanks Alan. If I strictly follow the instructions (winding up with zero non-qualified), they seem to still want me to record my Roth basis (and then stop), regardless of the fact that I will never need a basis to draw against because I'll never have a non-qualified distribution. After years of con...
by MandyT
Fri Jan 31, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: I have a question for those in early FIRE or planning on early FIRE
Replies: 81
Views: 8345

Re: I have a question for those in early FIRE or planning on early FIRE

When I ask a question like this it is basically because I am wondering if I lack the imagination to properly picture how things would be. I don't understand. I thought you tried early retirement and were bored out of your mind, so you went back to work. Recently, you said that your favorable financ...
by MandyT
Sun Jan 19, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 81
Views: 10252

Re: 2020 Bogleheads Conference and Survey

Personally, I always start my visits on the index page and scan for interesting threads across all forums. I basically don’t really care or pay attention to the forum structure. https://www.bogleheads.org/index.php I tend to use the index page, too. My usual practice is to read topics chronological...
by MandyT
Sat Jan 18, 2020 3:22 pm
Forum: Investing - Theory, News & General
Topic: 2020 Bogleheads Conference and Survey
Replies: 81
Views: 10252

Re: 2020 Bogleheads Conference and Survey

I posted this about two years ago. I'd like to (very respectfully, I hope) point out two things that went somewhat awry with last year's announcement. (1) For months, it had been "known" that the announcement would be made on April 5, but it ended up being made on April 2. While I sort-of understand...
by MandyT
Sat Jan 11, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do you mentally process stupid ways of losing money?
Replies: 84
Views: 7588

Re: How do you mentally process stupid ways of losing money?

This thread has been an interesting read. I have a feeling that not every strategy works for every individual, so it's good to have a variety of suggestions. Freefun's post reminded me of one of my favorite quotes from Teddy Roosevelt: "The only man who never makes a mistake is the man who never doe...
by MandyT
Thu Jan 09, 2020 12:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5788
Views: 1380896

Re: What Movie Have You Recently Watched?

Knives Out A gloomy but imposing mansion provides the perfect backdrop for this spoof of whodunit movies. Although I say spoof, it was not silly, and had mystery and intrigue along with some funny moments. I was a little disappointed that the much anticipated twist was not totally unexpected. I'm n...
by MandyT
Wed Jan 08, 2020 1:50 pm
Forum: Investing - Theory, News & General
Topic: 2019 BOGLEHEADS CONFERENCE REGISTRATION IS CLOSED. WAIT LIST IS AVAILABLE.
Replies: 121
Views: 30359

Re: 2019 BOGLEHEADS CONFERENCE REGISTRATION OPEN ANNOUNCEMENT

Which particular forum section on the Boglehead website are we supposed to monitor exactly? This one that Mel posted in? Board index < US Investors < Investing - Theory, News & General That is where Mel always posts the announcement. I still do not understand why it is not more logical to post it u...
by MandyT
Wed Jan 01, 2020 6:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5788
Views: 1380896

Re: What Movie Have You Recently Watched?

I went to see Terminator: Dark Fate in a second-run theater. For various reasons, the first two Terminator movies have sentimental significance for me, and I've actively avoided the next three Terminator movies, but I decided I wanted to see Dark Fate. While I could see some of the flaws I had heard...
by MandyT
Fri Nov 15, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Experience/cost MLB spring training?
Replies: 29
Views: 2237

Re: Experience/cost MLB spring training?

Congrats to the Nats! I am a Cardinals fan and decided to start with a 2-day trip to Spring Training in 2018 to see what I thought. Cardinals ST is in Jupiter, not that far from where the Nats have theirs. A few observations: (1) I have gone to MLB games at several stadiums and was always able to st...
by MandyT
Thu Nov 14, 2019 2:03 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 588
Views: 51846

Re: [What UN-frugal thing do you do? What do you splurge on?]

I've been known to do weird-frugal things when I travel if it's just a matter of comfort (as opposed to health or safety). So I'm kind of proud of myself for doing something un-Mandy like. Specifically, for one direction of an upcoming trip, I decided to pay $231 for first class (first leg about 3 h...
by MandyT
Thu Oct 24, 2019 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)
Replies: 26
Views: 2269

Re: Anyone work in Compensation/Benefits? (Math teacher looking for a career switch)

Are you eligible for a sabbatical? That would do a couple of things for you: it would give you the opportunity to explore other possibilities, and it would give you a break that might rejuvenate you if you return to your position for the long-term.
by MandyT
Mon Oct 21, 2019 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a risk to overdraft protection feature?
Replies: 23
Views: 1715

Re: Is there a risk to overdraft protection feature?

This question actually came up for me about three months ago, when I was opening a bank account in a new city. I'm in the habit of using a high-yield checking account at a local brick-and-mortar bank as a "hub" for my financial activity and looked for something similar in my new location. Because th...