Search found 73 matches

by Muri
Fri Oct 05, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Calculator to compare social security payout options including assumption of 21% benefit reduction in 2034?
Replies: 3
Views: 533

Calculator to compare social security payout options including assumption of 21% benefit reduction in 2034?

I received an estimated benefits statement from Social Security today. In bold letters it states: The law governing benefits amounts may change, because by 2034 the payroll taxes collected will be enough to pay only 79 percent of the scheduled benefits. I am planning on delaying benefits until age 7...
by Muri
Mon Sep 10, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5218

Re: Advice on how to deal with barking dogs

As I dog owner I am sorry to hear about this situation. My guess is that these are hunting dogs. For unknown reasons some hunters think it is ok to leave their hunting trained dogs outside all year round. The dogs are barking because dogs are social animals and need to be trained to live indoors wit...
by Muri
Sun Sep 09, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: where to learn to sew?
Replies: 33
Views: 2059

Re: where to learn to sew?

How old is your child? In my state public middle and high schools offer classes that include textiles and sewing. The classes are now "FACS" or "FCS" and stand for Family and Consumer Sciences. This name replaced "Home Ec". My local schools also offer "Project Runway" sewing classes through the FACS...
by Muri
Mon Sep 03, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: How do I get rid of big project t.v.?
Replies: 21
Views: 1126

Re: How do I get rid of big project t.v.?

College boys took ours to use for video games
by Muri
Sat Sep 01, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Should I go ahead and replace noisy washing machine now or wait?
Replies: 11
Views: 547

Re: Should I go ahead and replace noisy washing machine now or wait?

When the appliance repairmen was here for my dishwasher I had him listen to the washing machine on spin cycle. He said the bearings were starting to go. This was about 14 months ago.
by Muri
Sat Sep 01, 2018 11:49 am
Forum: Personal Consumer Issues
Topic: Should I go ahead and replace noisy washing machine now or wait?
Replies: 11
Views: 547

Should I go ahead and replace noisy washing machine now or wait?

We have a Maytag Neptune washing machine that is at least 16 years old. It has never needed any service, and it still washes clothes well. However, on any spin cycle it is so loud that even with the laundry room door closed it is extremely loud and getting louder by the week. DH wants me to replace ...
by Muri
Wed Aug 22, 2018 5:08 pm
Forum: Personal Consumer Issues
Topic: relationship issues - advise needed
Replies: 51
Views: 4194

Re: relationship issues - advise needed

OP,
Definitely call EAP. Please also go see your primary care provider about your depression right away. Don't make any major personal or financial decisions until you get the help you need.
by Muri
Fri Jul 27, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6172

Re: Talk to me about Le Creuset

That's all I have. Everything else is All Clad Stainless and some cast iron pans.
by Muri
Wed Jul 25, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3507

Re: Intermittent Fasting

Try looking at Mark Mattson's You Tube Ted Talk on intermittent fasting and brain health. He is a neurobiologist at NIH and Johns Hopkins. His research is showing that intermittent fasting may help protect your brain as you age, and he personally does it because of the results of his research. Inter...
by Muri
Wed Jul 25, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: A different long term care question, which assets have to be depleted for a married couple?
Replies: 5
Views: 761

Re: A different long term care question, which assets have to be depleted for a married couple?

Little Bird,
I understand that someone can live with dementia for 10-15 years, and this would definitely deplete our assets if one of us required that kind of care for that long. I was trying to understand what happens to the healthy spouse. Thanks for the reply.
by Muri
Wed Jul 25, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: A different long term care question, which assets have to be depleted for a married couple?
Replies: 5
Views: 761

A different long term care question, which assets have to be depleted for a married couple?

Hello, I have a different long term care question. If you are married and both spouses have a pension, 401K and Roth, social security, and jointly own a home, which assets have to be depleted before the ill person would qualify for medicare? In our case, we will be taking our pensions with the 100% ...
by Muri
Thu Jul 05, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Any advice health insurance options for healthy 23 year old male in US seeking political asylum?
Replies: 19
Views: 1607

Any advice health insurance options for healthy 23 year old male in US seeking political asylum?

One of our children is friends with a 23 year old male who is legally in the US under a work permit and seeking political asylum. He is self supporting (construction, etc) and just got his social security card. He told us last night at our 4th of July get together that he now needs to get health ins...
by Muri
Sat Jun 30, 2018 1:07 pm
Forum: Personal Consumer Issues
Topic: Lumber Liquidators Safety Issue
Replies: 22
Views: 3451

Re: Lumber Liquidators Safety Issue

We are replacing extremely worn out carpeting and laminate flooring with luxury vinyl planks. I read the previous comments, and I know a lot of you hate vinyl flooring. I want vinyl because wood isn't practical with swimmers dripping as they walk through the house, wet dogs, snow getting tracked in,...
by Muri
Sun Jun 10, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: House sale by owner - Problems & Pitfalls?
Replies: 30
Views: 1811

Re: House sale by owner - Problems & Pitfalls?

About 25 years ago I sold a townhouse without an agent. The buyer worked for a local bank, got her loan through her bank, and everything went smoothly. I used a standard sales contract that I found at a store. The home I live in now was purchased without a listing realtor. I knew the people we bough...
by Muri
Fri May 18, 2018 6:36 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 9207

Re: Golden Handcuffs

OP, I am really conservative, so I am going to say stay where you are. I made a career change to teaching after a long career in another industry. Does your wife have previous teaching experience? Half of new teachers leave the profession within the first five years due to the low pay and feeling ov...
by Muri
Sat May 12, 2018 6:15 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2405

Re: Cars similar to Toyota Corolla LE that I should consider for purchase?

Student, I was looking for something lower price than a Prius. I would be able to carpool with another worker if gas prices got high again, so I am not as concerned about gas mileage as I was when I was driving more and bought the Prius.
by Muri
Sat May 12, 2018 5:43 am
Forum: Personal Consumer Issues
Topic: Cars similar to Toyota Corolla LE that I should consider for purchase?
Replies: 26
Views: 2405

Cars similar to Toyota Corolla LE that I should consider for purchase?

My aging Prius now needs replacing. I commute 6500 miles each year for work, total driving 9000 miles a year. I am looking for a safe, reliable, reasonably priced car. Other than Corolla LE, what else should i look at?
by Muri
Sun May 06, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a time limit to roll over 401K from previous employer to IRA?
Replies: 4
Views: 379

Is there a time limit to roll over 401K from previous employer to IRA?

DD started a new job in late December. She told me today she would like to roll over the 401K from the previous employer to an IRA. Can she still do it, or was there a time limit to make the transfer? Thank you!
by Muri
Thu Apr 05, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: 1st World Problem - Pet Insurance
Replies: 19
Views: 2481

Re: 1st World Problem - Pet Insurance

I am not familiar with this company. When I researched pet insurance over 5 years ago I found reviews that said to be careful about how pre-existing condition is defined. Some companies deny claims if your pet ever had that SYMPTOM, not diagnosis. We have Trupanion for our dog. She is about to turn ...
by Muri
Thu Apr 05, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7590

Re: Want/need some income in semi-retirement

Have you considered being a school substitute? My area pays less than the DC area, but I think in my school district you could sub 3 days or so a week during the school year and make $12000. We have a retired engineer who subs at my school 2-3 days a week. I think it is more to have something purpos...
by Muri
Wed Mar 28, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 16167

Re: Healthy eaters -- is this grocery budget normal to you?

My monthly budget is also $1200 but that includes groceries, eating out, household supplies (vaccuum bags, cleaning supplies, light bulbs, pet food, paper products, etc). There are two of us, but the $1200 also covers the visits or eating out with adult kids.
by Muri
Sun Mar 04, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Bathroom remodel decision
Replies: 41
Views: 2553

Re: Bathroom remodel decision

I would prefer 2 sinks
by Muri
Sat Mar 03, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: St. Augustine long weekend...rental car needed?
Replies: 11
Views: 1324

Re: St. Augustine long weekend...rental car needed?

Thank you for the replies
by Muri
Sat Mar 03, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: St. Augustine long weekend...rental car needed?
Replies: 11
Views: 1324

St. Augustine long weekend...rental car needed?

DH has a business trip to St. Augustine in April. I am going with him to spend a long weekend, probably Saturday to Wednesday. Do we need a rental car or would you suggest using a taxi or Uber to get around? We haven’t chosen a hotel yet.
by Muri
Sun Feb 18, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Martha’s Vineyard: Is 2 weeks too long of a vacation there?
Replies: 13
Views: 1787

Re: Martha’s Vineyard: Is 2 weeks too long of a vacation there?

I would probably be ok w it. My understanding is that there are good bike paths, small towns, beaches, and places to eat out. It does sound very relaxing.
by Muri
Sun Feb 18, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Martha’s Vineyard: Is 2 weeks too long of a vacation there?
Replies: 13
Views: 1787

Martha’s Vineyard: Is 2 weeks too long of a vacation there?

We have never been to Martha’s Vineyard. We can go for 1 or 2 weeks. Do you think 2 weeks is too long? Thank you.
by Muri
Sun Feb 11, 2018 7:51 am
Forum: Personal Finance (Not Investing)
Topic: What did you do: Life Annuity or Survivorship?
Replies: 14
Views: 1285

Re: What did you do: Life Annuity or Survivorship?

We did an analysis comparing the options vs. buying life insurance to cover a reduced option. In our case taking the 100% survivor option was the best financial decision for both of us.
by Muri
Wed Feb 07, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Am I saving too much for retirement?
Replies: 105
Views: 14604

Re: Am I saving too much for retirment?

This may sound negative, but I hope you see it more as realism. I don’t think it is possible to save too much. In the future you may have a child or spouse with a serious medical condition that causes you to hit the in and out of network max on your health insurance (usually for most people around $...
by Muri
Sat Feb 03, 2018 1:01 pm
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 8543

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

I recently opened and closed a Vanguard account within the same day. I was a new customer to Vanguard. I opened an account online, but I did not get a confirmation message either online or by email. I called customer service, was on hold 10 minutes, then told to leave my phone number to be called ba...
by Muri
Wed Jan 31, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: When are taxes due on money moved from traditional IRA to Roth?
Replies: 6
Views: 899

When are taxes due on money moved from traditional IRA to Roth?

I transferred tax-deferred money from my IRA to my Roth this week. I know I now owe income taxes on the amount transferred because I have not previously paid taxes on that income. Is the tax due when I file my 2018 taxes or do I need to make an estimated payment now? Thank you.
by Muri
Sun Jan 28, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Bond theory question
Replies: 6
Views: 923

Bond theory question

Why should I be investing in bonds instead of CDs in my non-stock portion of my portfolio?
by Muri
Fri Jan 26, 2018 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to Protect Assets Without a Prenup
Replies: 69
Views: 7122

Re: Ways to Protect Assets Without a Prenup

My neighbor (widower) and his wife (divorced) married in their 50s. They kept all monies totally separate including real estate because they did not want conflicts between their children from first marriages after their passing. They were married 35 years before the wife passed away. Her children in...
by Muri
Thu Jan 04, 2018 6:14 pm
Forum: Investing - Theory, News & General
Topic: Definition of “bond bubble”
Replies: 20
Views: 1833

Definition of “bond bubble”

What is the definition of a bond bubble? Does it mean that rates quickly rise, causing bond values to drop?
by Muri
Sat Dec 30, 2017 7:39 pm
Forum: Personal Consumer Issues
Topic: Putting in a Word About Tea - brands, types, etc.
Replies: 85
Views: 9575

Re: Putting in a Word About Tea - brands, types, etc.

Red Rose from the grocery store, 3 cups brewed and iced every morning, no sugar.
by Muri
Mon Dec 25, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: DD new job has Roth 401K and company 6% match, what is her max employee contribution?
Replies: 7
Views: 595

Re: DD new job has Roth 401K and company 6% match, what is her max employee contribution?

“It is $18,500 regardless of the company match, but the company may limit it to less than $18,500 if she makes too much salary.” Livesoft, are you saying she can contribute $18,500 to a Roth 401K and the company can contribute (6% of $80,000) $4800 to traditional IRA? Or does she need to limit her R...
by Muri
Mon Dec 25, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: DD new job has Roth 401K and company 6% match, what is her max employee contribution?
Replies: 7
Views: 595

DD new job has Roth 401K and company 6% match, what is her max employee contribution?

DD just started a new job that offers a Roth 401k. There is also a company match that we believe is 6%. The IRS lists the total that can be contributed as $18,500. Does she need to calculate the company match, deduct it from $18,500, and then calculate her employee deductions from the remaining amou...
by Muri
Mon Nov 27, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Let Go by MegaCorp - Lots of options
Replies: 40
Views: 4102

Re: Let Go by MegaCorp - Lots of options

OP, It sounds like you work for JNJ. My vote is for you to take the severance and find other work elsewhere.
by Muri
Thu Nov 23, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Public or Montessori Private School
Replies: 60
Views: 5332

Re: Public or Montessori Private School

As a public school teacher, I would say it depends on the quality of your public schools. Ask parents of older children what their experiences have been in the public schools.
by Muri
Wed Nov 22, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: How do I sell silver coins?
Replies: 13
Views: 2153

How do I sell silver coins?

We have some US silver coins left to us by a relative who was a collector. How do I find out the value and safely sell them?
by Muri
Sat Nov 11, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8149

Re: Swedish Death Cleaning

I have never heard of the Swedish death cleaning, but I was thinking about starting a 10 year plan to go through every area of our house and get rid of stuff so our kids won’t have to after we are gone.
by Muri
Wed Nov 08, 2017 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: anyone else have trouble logging in to SSA or IRS sites?
Replies: 7
Views: 779

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

SSA is a mess. I tried to get my SS estimate, and I was never able to log on after setting up an account. I called SS, was on hold an hour, and the agent said their online system is “having issues”. She was able to give me my SS estimates over the phone and said to be able to log into my account I w...
by Muri
Mon Oct 30, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Help with two medical plan choices
Replies: 5
Views: 476

Re: Help with two medical plan choices

We had an experience with everyone in our family being healthy, and then one child was diagnosed with a serious illness. We paid the entire in and out of network max for three years because some of the providers we needed were out of network. That would be $39,000 out of pocket in one year for you w...
by Muri
Sun Oct 29, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1730

Re: Selecting pension payout option

#Cruncher,
Thank you for correcting your post, but you didn’t have to go to all that trouble. Men in my husband’s family either die of heart disease in early 60s or live well past 100. My guess is that he will be one of the longer lived, so I will put both of those scenarios in the calculator.
by Muri
Sat Oct 28, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1730

Re: Selecting pension payout option

Thank you, everyone. Cruncher, I will use the longevity estimator and put in our data.
by Muri
Sat Oct 28, 2017 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Selecting pension payout option
Replies: 15
Views: 1730

Selecting pension payout option

DH and I are both age 58. We will both receive a defined benefit pension from our employers at retirement. Mine is almost double the amount of DH’s as my employer’s plan was more generous. We are not anticipating taking our pensions until age 65, but I am trying to plan and understand which payout o...