Search found 56 matches

by skp
Wed Nov 06, 2019 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Best month to take RMDs?
Replies: 86
Views: 4652

Re: Best month to take RMDs?

Admittedly no nothing but can't you set autowithdrawl's monthly from the retirement accounts and have them autodeposited into your checking account? I always thought that it was recommended to do monthly vs lump sum deposits, why not the opposite? That would be the opposite of timing the market. It ...
by skp
Wed Oct 30, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Ok to go without health insurance?
Replies: 209
Views: 11900

Re: Ok to go without health insurance?

I can substantiate costs being lower. My husband was being worked up for an elevated PSA. He needed a prostate MRI which could only be done in a facility 45 minutes from our home. Sounds like it is newer technology and not every hospital is capable of doing it. We were told it would be $200 without ...
by skp
Sat Oct 12, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?
Replies: 52
Views: 5317

Re: If we visit Shenandoah and Blue Ridge Parkway, do we "need" to see Great Smoky Mtns. NP, too?

I second Roan Mt State Park. The cabins there are pet friendly, reasonably priced. The park is near Boone NC and you can get your fix of mountains, hiking, views and sightseeing.
by skp
Tue Sep 17, 2019 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area teacher saving half my income – why the doubt? (and asking more questions)
Replies: 508
Views: 30751

Re: Bay Area teacher saving half my income – why the doubt? (and asking more questions)

Meanwhile, for teachers that do survive longevity in the career, the available tax deferred plans, pension, and tax code for strategic planning exists. Our household makes more gross income between the two of us than the OP in education, and as a result of being empty nesters have been able to max o...
by skp
Fri Sep 13, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4621

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I checked on line and supposedly my local Walmart sells a 6 count of 8 ounce bottles of 1% great value milk for $ 3.48 (.58 each)
by skp
Fri Sep 13, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9732

Re: How old is your cellphone?

My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink: My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :) I’m amazed the hinge would last ...
by skp
Thu Sep 12, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4621

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I looked it up on Amazon they are called Kiinde. While looking, I saw Tommy Tippee breast milk bags- they were 30 cents each and hold 6 ounces.
by skp
Thu Sep 12, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: [Buying 1/2 pint milk in bulk for school lunches?]
Replies: 68
Views: 4621

Re: [Buying 1/2 pint milk in bulk for school lunches?]

I don't know whether this would work or not because I only so pictures of them on a baby registry. A new mom was requesting these disposable pouches that look like you use them to hold baby formula or baby food. I forget their name. They look like you could put milk in them and then freeze it. Does ...
by skp
Thu Sep 12, 2019 12:16 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9732

Re: How old is your cellphone?

Side note: I can usually judge an "old phone" person by the type of case they have. What can you tell about us few who don't put their phone in a case? One or all of the following: 1) they have loads of money 2) they have phone insurance (see loads of money above) 3) they don't plan on keeping phon...
by skp
Thu Sep 12, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9732

Re: How old is your cellphone?

tomd37 wrote:
Wed Sep 11, 2019 12:57 pm
My flip-phone is at least 16 years old and I do not have any intentions to replace it with this new stuff out now. Still works fine and meets my needs. :wink:
My husbands isn't quite that old only 12. We decided to be a one smart phone family in case we got lost. :)
by skp
Wed Sep 04, 2019 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early - am I thinking about this right?
Replies: 127
Views: 11380

Re: Paying off mortgage early - am I thinking about this right?

I paid off my house. I am debt adverse, it made me less tense about money, and it made our lives more flexible. My husband was able to take a job he liked instead of one that made the most money. We could have lived on one income easily with our house paid off. Amy Dacycyn, the frugal zealot's, phil...
by skp
Mon Aug 26, 2019 4:08 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4294

Re: Headache buying new minivan

Thank for your reply! So up to your expirience, is the caravan or pacifica have quiet and smooth drive like sienna (that is most importance because i want my grand mother can sleep on long drive)? I used to test drive the odyssey and felt that the road noise is loud! I think my Pacifica has a very ...
by skp
Mon Aug 26, 2019 2:19 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4294

Re: Headache buying new minivan

Adding, we gave that rusted van to my son's in laws. It's 14 years old and still going strong.
by skp
Mon Aug 26, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: Headache buying new minivan
Replies: 37
Views: 4294

Re: Headache buying new minivan

We have had 2 Dodge Caravans and currently I have a Chrysler Pacifica. We have also had Nissans, Hondas, Volkswagens, and ford hatchbacks. I don't feel that the Caravans mechanically were any worse than any of those other cars listed. However, I do admit they were much worse with rust. I drove mysel...
by skp
Fri Jul 19, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Glacier National Park
Replies: 19
Views: 2411

Re: Glacier National Park

Your list is good. But I think it's a good idea to be flexible. I had a list last year when we went. The iceberg lake trail was closed to bears and the whole west side of the park was closed due to wildfires. Think flexible.
by skp
Mon Jun 24, 2019 6:58 pm
Forum: Personal Consumer Issues
Topic: Chrysler Pacifica - Yes or No
Replies: 29
Views: 2240

Re: Chrysler Pacifica - Yes or No

We have had our Pacifica for 2 years. Prior we have had 2 Dodge Caravans. They were fine mechanically but I hated that they rusted out so soon. So, I looked at the Sienna and the Oddysey for the next van. We went with the Pacifica because we wanted Stow and Go seats. They were very important to us. ...
by skp
Sat Jun 15, 2019 4:14 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 37
Views: 3573

Re: Anyone make their own tortillas?

I've tried both corn and flour tortillas. I've had better luck with flour. For the flour tortillas- I use a recipe from the family fun cookbook. I use a rolling pin. Cook them on my electric griddle. They are easy and taste much better than store bought. I don't know if I'm doing something wrong, bu...
by skp
Fri May 10, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: What kind of Replacement A/C would you get ??
Replies: 59
Views: 6736

Re: What kind of Replacement A/C would you get ??

We bought a similar Trane and are very happy with it. Our house is much more comfortable with it. Even if it was not a "good buy" financially, I think
it was worth it comfort wise.
by skp
Thu Apr 18, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 15615

Re: In Laws Retirement Nest Egg

Bingo! My wife and I have a lot more money than the retirees in question. And I have no worries about being able to support ourselves in any foreseeable scenarios. But if either of my sons or their significant others expressed concerns about my retiring, or suggested that I should get a part-time j...
by skp
Wed Apr 17, 2019 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 15615

Re: In Laws Retirement Nest Egg

Just curious OP, it seems that your parents are wealthy. But do you ever worry about them not being able to pay for nursing home care or living expenses in the future. People's financial circumstances, even rich one's can and do change. Do you ever worry about what you would do if they needed help?
by skp
Tue Apr 16, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: In Laws Retirement Nest Egg
Replies: 156
Views: 15615

Re: In Laws Retirement Nest Egg

I agree with the poster on page 1 who said the main problem here is that the OP and his ILs come from different socioeconomic status. Also from the rest of us on this board. That's the only thing I can come up with that someone thinks that you can't safely retire with a paid off house, Social securi...
by skp
Mon Apr 15, 2019 5:02 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 13977

Re: Can I semi-retire now?

Is it really a surprise that healthy, able-bodied, smart young men might actually want to use their health, intelligence, and youth to do something more satisfying than sitting in an office all day? Most don't sit in an office all day (I think). That's a rarer work environment than BHs probably rea...
by skp
Sun Apr 14, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 13977

Re: Can I semi-retire now?

Interesting thread. The fact pattern seems to be a Rorschach test for the posters--bringing out the FIRE vs. the save-invest-never-spend Bogleheads. I'm more the latter. I'm going to stick with my original position (above) of not giving advice, but I have been thinking about the OP a lot over the la...
by skp
Sun Apr 14, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 13977

Re: Can I semi-retire now?

There is a trend taking place whereby: 1) healthy, able bodied, smart young men decide to stop working or semi-work while sending their wives to work full time. Is it really a surprise that healthy, able-bodied, smart young men might actually want to use their health, intelligence, and youth to do ...
by skp
Sun Mar 24, 2019 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do you treat inheritance as a singular or shared asset?
Replies: 113
Views: 6210

Re: Do you treat inheritance as a singular or shared asset?

I think it's interesting how my perspective on this has changed as I've gotten older. As a young mother I was highly offended when my MIL made it perfectly clear that stock inherited from her was for blood relatives only- my husband and chidren and not me. Now that I am of an age to write a will, I...
by skp
Sun Mar 24, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you treat inheritance as a singular or shared asset?
Replies: 113
Views: 6210

Re: Do you treat inheritance as a singular or shared asset?

I think it's interesting how my perspective on this has changed as I've gotten older. As a young mother I was highly offended when my MIL made it perfectly clear that stock inherited from her was for blood relatives only- my husband and chidren and not me. Now that I am of an age to write a will, I ...
by skp
Sat Mar 02, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Medicare choices
Replies: 82
Views: 6042

Re: Medicare choices

My experience as a RN is that MA plans don't cover rehab as well as traditional Medicare with a supplement. I would place an insurances coverage of rehab as a high priority in my decision.
by skp
Fri Mar 01, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Does great grandma need the great grandkid's SSN?
Replies: 22
Views: 2489

Re: Does great grandma need the great grandkid's SSN?

Would you be OK with gggrandma giving the money to another ggchild or just not bothering to proceed because you refuse to give her the SSN? Because I would be tempted to do just that if I wasn't "trusted" enough with the info.
by skp
Sun Feb 10, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1783

Re: Best way for Grandparent paying for day care

Thank you everyone. I don't want to do anything illegal. Nurse here not accountant. I had to google step transaction. Just out of curiosity/ playing devils advocate. Per Wikipedia there are a few tests the IRS uses to decide if it is a step transaction. One of them is a binding commitment. Would giv...
by skp
Sat Feb 09, 2019 5:28 pm
Forum: Personal Consumer Issues
Topic: Best way for Grandparent paying for day care
Replies: 23
Views: 1783

Best way for Grandparent paying for day care

My Dil is going back to work and I'm considering covering their day care expenses. My sister and I never had to pay for childcare due to family helping out. I would if I could but my son lives too far away for me to help. I want to pass the gift I received of no cost childcare so I was considering c...
by skp
Sun Jan 20, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8799

Re: Divorce w/child. Spouse wants to move.

50 50 custody here does mean equal time
One week mom one week dad. Parents live in same school district
by skp
Sun Jan 20, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8799

Re: Divorce w/child. Spouse wants to move.

I would take money out of the equation. Somehow making this about money makes it seem like you are extorting her. Maybe that isn't what you mean but that is how it sounds. I would probably not move but it wouldn't be because of money. Can you honestly imagine yourself happy in another location? Woul...
by skp
Tue Jan 15, 2019 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to use inheretence to fund GC education
Replies: 12
Views: 797

Best way to use inheretence to fund GC education

I recently inherited some money and would like to put $75k towards a grandchilds education. At this point I don't think my GC would be eligible for FASFA, and it's too early to know if they are even college material. What should I do?
by skp
Wed Dec 26, 2018 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Working Holidays for extra money.
Replies: 64
Views: 4959

Re: Working Holidays for extra money.

I have been a hospital (ICU) nurse for 35 years and have worked my share of holidays (at time and 1/2) for the entire time. We have a schedule where we work every third holiday. This year I worked Christmas eve, New Years day and Labor day. Next year I'll work Thanksgiving, New Years Eve and Memoria...
by skp
Sun Oct 21, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Pull kids from school for vacations?
Replies: 136
Views: 6855

Re: Pull kids from school for vacations?

I think it's an individual choice and all on how you look at things. My sons 4th grade teacher took a week off to go to Hawaii with her husband. He won it and it was set at a certain time during the school year. Should she be "allowed" to take off? His 6th grade teacher was off "sick" at least 30 da...
by skp
Mon Jul 23, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 3234

Re: Mother-in-Law criticizing my wife over our recent house purchase

I can't believe anyone sees 2100 sq feet as small. I have a 2100 sq foot house and I have the BIG house of the family. My FIL tried to talk us out of buying it- he thought we should by a starter home. Size is relative I guess.
by skp
Wed Jul 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

How are you preventing spouse #2 from getting your children's inheritance without endangering the livelihood of your spouse. I am married to the husband of my adult children. Even in that case, based on my will, if I die before my husband then my money goes into trust. My husband gets income from t...
by skp
Wed Jul 18, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

If I die, my husband would be in charge of OUR money. I would LIKE my children to get something, but after I'm dead, I don't see how I have control, nor should I want to. I don't have a crystal ball. I'll just have to trust him. As of today my spouse is not remarried. So my kids would split 50/50 i...
by skp
Wed Jul 18, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

If I die, my husband would be in charge of OUR money. I would LIKE my children to get something, but after I'm dead, I don't see how I have control, nor should I want to. I don't have a crystal ball. I'll just have to trust him. As of today my spouse is not remarried. So my kids would split 50/50 if...
by skp
Wed Jul 18, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

Do you want the childrens inheritance to go to an ex spouse instead? If your spouse outlives you, would you want their new spouse to get everything leaving your kids with nothing? Would you want the new spouse's kids to get what you are now thinking will go to your children? If your spouse outlives...
by skp
Wed Jul 18, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

I am 60 married and have 2 adult children. My desire is for my husband to inherit everything and trust him to make sure my 2 children inherit everything 50/50 after he dies. I don't foresee any squabbling about this. I checked my state, Ohio, and if I die without a will, that is what the law says t...
by skp
Wed Jul 18, 2018 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Wills
Replies: 54
Views: 3549

Re: Wills

I am 60 married and have 2 adult children. My desire is for my husband to inherit everything and trust him to make sure my 2 children inherit everything 50/50 after he dies. I don't foresee any squabbling about this. I checked my state, Ohio, and if I die without a will, that is what the law says th...
by skp
Mon Jul 16, 2018 8:18 am
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 56
Views: 6870

Re: Which minivan?

We had 2 Dodge Caravans and last year after agonizing similar debate bought a Pacifica. The reason we picked the Pacifica over the Sienna or the Odyssey were the Stow and Go Seats. The beauty of the van is it's flexibility IMO. We uses our van to haul things as well as for passengers and did not wan...
by skp
Mon Jul 09, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 4570

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

But the opposite is that 50% will need nursing care, and if the person lives alone and does not have any daughters to look after them, then you have a different viewpoint on this. Not everyone has the support that your family has, so we have to look at some type of CCRC facility. Dan999 7 figure en...
by skp
Mon Jul 09, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Continuing Care Community versus 55 + (no LTC and modest assets)
Replies: 61
Views: 4570

Re: Continuing Care Community versus 55 + (no LTC and modest assets)

I suggest googling statistics on the percentage of people who actually use nursing home care. I was shocked at how low it was. I don't have the exact numbers but it was something like more than 50% need no nursing home care, 30% are in less than 6 months, and 10% are in a nursing home for a long tim...
by skp
Fri Jun 22, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Most vs. Least satisfying home impovements
Replies: 35
Views: 4061

Re: Most vs. Least satisfying home impovements

Satisfying and useful? Or just plain satisfying? Most satisfying but necessary - Up graded to a 2 stage heat pump and put triple pane windows in our family room and kitchen. That end of the house was too cold to use until we made those upgrades. And the new heat pump not only cut down on our utility...
by skp
Tue Jun 19, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 10419

Re: Which Supermarket are you?

I'm a "multicultural shopper" depending on my mood, which direction I'm driving and what is on the list. I'm from the Cleveland area, I mostly use Marcs, Walmart and Heinens. Occassionally I'll go to Giant Eagle. I go to at least 2 stores a week. I buy my meat at a local Amish butcher shop in bulk a...
by skp
Wed Jun 13, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6927

Re: Anyone with a paid off house drop homeowners insurance

I have read everyones replies. I am going to renew the policy. I would feel better if I actually felt like I was insured.
by skp
Wed Jun 13, 2018 11:27 am
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 6927

Re: Anyone with a paid off house drop homeowners insurance

OP here. When I say insurance companies are out to make money, basically that means I don't trust them to pay. I feel like I am paying for something that I can't count on. A coworker has paid for what she thought was very good home owners insurance. She described it as very expensive "deluxe" homeow...