Search found 326 matches

by bluelight
Thu Apr 16, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13464

Re: How many paid for kids' college?

As a single parent (my ex was supposed to pay half, but we never saw a dime) I paid for my DD's college. Her first 2 years were spent living at home, going to community college and I paid for that using savings. Then she transferred to a tech college. I paid for those 2 years with a combination of s...
by bluelight
Tue Apr 07, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2756

Re: Instacart delivery slots?

heartwood, I feel your pain. We're in Suffolk County, NY, after having spent most of lives in Bergen Cty, NJ. Currently have 15 K confirmed cases in the county. I last went to the stores in the beginning of March and stocked up as much as I could. Luckily a few years ago, DH insisted we needed to bu...
by bluelight
Tue Apr 07, 2020 12:31 pm
Forum: Personal Consumer Issues
Topic: Anyone used ultrasound whistle to mitigate dog barking?
Replies: 34
Views: 2926

Re: Anyone used ultrasound whistle to mitigate dog barking?

My daughter has an ultrasound unit setup in her backyard and she said it works. She has a very deep yard and the dogs would run to the back of it to bark at a neighbor's dog. She ran an long extension cord to the back of the yard and set the device up. It appears to work as the dogs now avoid the fa...
by bluelight
Tue Apr 07, 2020 12:24 pm
Forum: Personal Consumer Issues
Topic: Instacart delivery slots?
Replies: 40
Views: 2756

Re: Instacart delivery slots?

I had an Instacart delivery from Costco yesterday. I went on the Costco website and created my order last week. Then tried over the last week to get a time slot, but repeatedly received the "no time slots available" message. I was ready to give up, but figured I would try one more time and suddenly ...
by bluelight
Mon Apr 06, 2020 3:02 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

Visit my grand kids. I miss them.
by bluelight
Sat Mar 14, 2020 12:49 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 128915

Re: Coronavirus (Consumer Issues) How you are preparing?

When the virus hit New York a couple of weeks ago, I told my husband that he was in isolation. He is in his 70's and has immune and respiratory issues. I have heart and respiratory issues, but I'm a decade younger. I have spent this week stocking up and somehow managed to beat most of the madness by...
by bluelight
Tue Mar 10, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Home buyer and selling in current market has been a nightmare!
Replies: 21
Views: 3002

Re: Home buyer and selling in current market has been a nightmare!

I was afraid of this scenario when we moved 3 years ago and was lucky that we had the means and foresight to buy a new home before putting our home for sale. It took us almost a year to find a house that filled my husband's must have list. I didn't realize in our new location that single story ranch...
by bluelight
Tue Mar 10, 2020 12:52 am
Forum: Personal Consumer Issues
Topic: Cruise Cancellation
Replies: 62
Views: 6201

Re: Cruise Cancellation

We're in a similar situation with a 15 day river cruise through France starting in mid June. My husband and I both have health issues and he will be 74 this spring. Our cruise company also offers a cancellation with vouchers towards a new trip booked within 2 years. In our case they would hold $16,0...
by bluelight
Tue Mar 03, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Costco rebate tip
Replies: 33
Views: 4921

Re: Costco rebate tip

We did our monthly Costco shopping yesterday. I loaded the order on the belt, gave the cashier my card and told her to charge it. Before she even started to ring it up, I asked her about cashing my $370 rebate, which I had printed out. She said she could do it and proceeded to cash it out. Then she ...
by bluelight
Sat Feb 29, 2020 12:20 pm
Forum: Personal Consumer Issues
Topic: Selling house- how to make it look appealing
Replies: 36
Views: 2594

Re: Selling house- how to make it look appealing

And I can see how it would be a real hassle for them to keep the dog hair vacuumed up every day, or even twice a day. I can't see anyway around that since there is nowhere else for the dog to live. Any suggestions? If they don't already have one, get them a cordless vac. I recommend the Shark. It's...
by bluelight
Mon Feb 24, 2020 12:44 am
Forum: Personal Consumer Issues
Topic: Relocating back east / Fair Lawn, NJ / Are we crazy?
Replies: 104
Views: 6476

Re: Relocating back east / Fair Lawn, NJ / Are we crazy?

I lived in Fair Lawn for 27 years. We moved to be closer to the grandchildren, otherwise I would probably still live there. It's a nice town with a good school system. I was actually surprised by the number of people who grew up in town and then stayed there once they married and had children. I mis...
by bluelight
Sat Feb 08, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Pros & Cons of accepting HELOC?
Replies: 13
Views: 996

Re: Pros & Cons of accepting HELOC?

If you don't intend to use it, don't take it. I was in a similar situation where I was offered a HELOC after a refinance. I never used it, but was charged a fee to close it when I sold my home. If I had realized that was the case, I would have turned it down.
by bluelight
Sat Feb 08, 2020 11:14 am
Forum: Personal Consumer Issues
Topic: Help an Overthinker Pull the Trigger on a Used SUV Purchase
Replies: 34
Views: 2592

Re: Help an Overthinker Pull the Trigger on a Used SUV Purchase

We've purchased 2 cars CPO by the manufactuer and I intend to go this route again when I buy my next car. You get a car that has been checked out, and a warranty. It costs a little more to go the CPO route, but it's the only way I will buy a car now. If you belong to a credit union, get your auto lo...
by bluelight
Tue Feb 04, 2020 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any H&R Block software gurus on this site - NY state form
Replies: 3
Views: 432

Re: Any H&R Block software gurus on this site - NY state form

Thanks. After the 3rd person told me they didn't have the access to help me with a state form, I had the level 1 support open a ticket to the next level. They should call me back sometime this week. Based on the support or lack there of, that I get from H&R Block, I'll try a combination of importing...
by bluelight
Mon Feb 03, 2020 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Any H&R Block software gurus on this site - NY state form
Replies: 3
Views: 432

Any H&R Block software gurus on this site - NY state form

I purchased H&R block deluxe and state. First year of using it. I have previously used online Taxslayer. I have run into an issue with the NY State return handling tax exempt dividends from my Vanguard accounts. I spent a few hours on the phone today with H&R block who after uploading my info for th...
by bluelight
Sat Jan 25, 2020 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Best tax software for estimating taxes
Replies: 20
Views: 1895

Re: Best tax software for estimating taxes

Thank you all for the links, I'll take a look at them.
by bluelight
Wed Jan 22, 2020 11:33 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26563

Re: Sad news: LadyGeek's husband has passed

My deepest condolences for your loss. You are an extraordinary person to share your experiences and knowledge with us during your time of mourning.
by bluelight
Wed Jan 22, 2020 12:24 am
Forum: Personal Finance (Not Investing)
Topic: Best tax software for estimating taxes
Replies: 20
Views: 1895

Re: Best tax software for estimating taxes

I use last years tax program to estimate this years taxes. Once I've completed my 2019 taxes on H&R Block software, I save as "estimated tax 2020" Then I go through and just edit entries that I think will change for 2020. Very simple and it gives me both Fed and State results. Then I will update it...
by bluelight
Tue Jan 21, 2020 10:35 pm
Forum: Personal Consumer Issues
Topic: Benefits of buying things secondhand?
Replies: 93
Views: 7125

Re: Benefits of buying things secondhand?

About half of my furniture was either purchased used or handed down through family. It allows me to have quality at a fraction of the original price.
by bluelight
Tue Jan 21, 2020 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Best tax software for estimating taxes
Replies: 20
Views: 1895

Re: Best tax software for estimating taxes

We were new in 2019 to having to estimate quarterly taxes. Someone on Bogleheads pointed me to mortgagecalculator.org to figure out my 2019 taxes, which was very helpful. I have previously used taxslayer online for my taxes, but would like to find the best tax software that could help me figure thi...
by bluelight
Tue Jan 21, 2020 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Best tax software for estimating taxes
Replies: 20
Views: 1895

Best tax software for estimating taxes

We were new in 2019 to having to estimate quarterly taxes. Someone on Bogleheads pointed me to mortgagecalculator.org to figure out my 2019 taxes, which was very helpful. I have previously used taxslayer online for my taxes, but would like to find the best tax software that could help me figure this...
by bluelight
Sun Jan 19, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA form question
Replies: 7
Views: 885

Re: IRMAA form question

Happy update - went to the Social Security office on Jan 14th, submitted our form and proof that I had stopped working. Our request was approved on the spot and we received a credit for the IRMAA amount that had been taken out of the January check in our checking account 3 days later. I'm shocked th...
by bluelight
Fri Jan 10, 2020 11:55 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA form question
Replies: 7
Views: 885

Re: IRMAA form question

I hope for the same results. I plan to go to the local office with my documentation.
by bluelight
Thu Jan 09, 2020 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA form question
Replies: 7
Views: 885

Re: IRMAA form question

My plan is to hold off on SS and taking my pension for at least another year, and do a Roth conversion. I'll make my 2020 estimate just slightly lower than my 2019.
by bluelight
Thu Jan 09, 2020 10:41 am
Forum: Personal Finance (Not Investing)
Topic: IRMAA form question
Replies: 7
Views: 885

Re: IRMAA form question

Thank you. That's what I thought, but wanted to make sure I was reading it correctly.
by bluelight
Wed Jan 08, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: IRMAA form question
Replies: 7
Views: 885

IRMAA form question

I retired in 2019. My husband has been retired and on SS and Medicare for 8 years, and we have been paying IRMAA due to my earnings the entire time. For 2019, I have estimated that we will fall under the IRMAA brackets for income and have my doc ready to present (within the next week). Step 3 of the...
by bluelight
Thu Jan 02, 2020 1:53 am
Forum: Personal Consumer Issues
Topic: What was your travel in 2019?
Replies: 19
Views: 1366

Re: What was your travel in 2019?

Alaska with a Holland America cruisetour - Fairbanks to Vancouver with 2 days at Denali.
4 days in Victoria and Vancouver after the cruise. Beautiful cities.
by bluelight
Wed Jan 01, 2020 1:22 pm
Forum: Personal Investments
Topic: Mailing Rollover Check to Vanguard
Replies: 41
Views: 1949

Re: Mailing Rollover Check to Vanguard

I mailed it via Certified mail on Thursday and received notification that it was received on Saturday.
by bluelight
Wed Jan 01, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Alternative to stairs?
Replies: 38
Views: 3308

Re: Alternative to stairs?

When we purchased our house 3 years ago, a single story was all that we would consider. It took almost a year for us to find the house we ultimately purchased, two story homes vastly outnumber single story homes in our area. We still have to use stairs to access the washer/dryer in the basement. Whe...
by bluelight
Tue Dec 31, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: For those who got out of tech industry (voluntarily or involuntarily)..
Replies: 109
Views: 8768

Re: For those who got out of tech industry (voluntarily or involuntarily)..

I worked in tech from 1975 to spring 2019. I had 2 periods of unemployment during that time. The first was voluntary in the early 80's to stay home with my child, the 2nd was a layoff in 2011 that lasted 13 months. I retired this year because I just couldn't stand the BS from management anymore. I l...
by bluelight
Sun Dec 29, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: Has anyone done Whole 30? [Diet]
Replies: 141
Views: 5801

Re: Has anyone done Whole 30? [Diet]

My daughter has followed the Whole 30 diet for a little over a year. In that time she has dropped 60 lbs and looks and feels great. As a previous poster pointed out, it's amazing the foods that contain hidden sugar. She does cheat occasionally, but notices that when she does that she will have stoma...
by bluelight
Tue Dec 17, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance during retirement
Replies: 28
Views: 2750

Re: Health Insurance during retirement

Husband is 73 and on Medicare with AARP Medigap plan F. I retired at 62 and will be on Cobra until Oct,2020 when I will need to purchase my own medical. I have estimated our 2019 Medical/Dental/RX/Vision plan rates and copays to be just shy of 20K this year. In a couple of weeks when I reconcile our...
by bluelight
Thu Dec 12, 2019 1:52 am
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5431

Re: What are you giving (or asking) for Christmas?

Last year we decided no more gifts for adults. Anything we want/need, we purchase during the year.

We now only give to our 3 grandchildren - a small gift each and a contribution to their 529's; and a small gift each to my cousin's young children.
by bluelight
Wed Nov 27, 2019 12:25 am
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 630
Views: 89761

Re: Flaunt Your High-Mileage Car

Not high mileage..... 2002 Nissan Pathfinder just turned 110K miles. Then I looked back to see when it turned 100K miles. Aug 16th, 2015 (I had a picture when it turned). It has taken over 4 years for me to put 10K miles on that car. Granted, we usually take our 2013 Audi when picking up my grandchi...
by bluelight
Wed Oct 30, 2019 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Amica Vs Travelers Home Insurance
Replies: 18
Views: 1283

Re: Amica Vs Travelers Home Insurance

I had Travelers for many years. Their service was excellent when I had to file a claim after my house was broken into and my jewelry was stolen. I only left them this year as the bundled quote I received from Hartford/AARP was almost $500 cheaper than Travelers.
by bluelight
Mon Oct 28, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10419

Re: How much do you plan to spend on your children's weddings?

In a LCOL area, 20k should be enough to cover or at least put a decent dent into the total wedding costs. We're in a VHCOL area and I chipped in about 7K for my daughter's wedding in 2010. She and her future husband covered the rest. There were about 50 people and we DIY'd the decorations, invitatio...
by bluelight
Fri Oct 11, 2019 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statements-Save Paper Ones? Electronic?
Replies: 35
Views: 2123

Re: Credit Card Statements-Save Paper Ones? Electronic?

Perhaps I'm overly paranoid, but every month I download and save all my statements (banks, investments, credit cards, utilities) at home as PDFs. Most of the time, it's probably overkill, but there have been a couple of times that I was glad that I was able to refer back to them (to answer question...
by bluelight
Sat Aug 17, 2019 11:37 pm
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 138
Views: 11880

Re: Aliens have captured my husband [wants to buy a Porsche]

The Panamera is a great car, go for it. If you purchase a Porsche CPO model, you will pay a little more but the car will be covered under an excellent warranty. I thought my husband was crazy when he said he wanted a Porsche 6 years ago, but once I did my research I was behind his decision 100%. Our...
by bluelight
Wed Aug 14, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Breakfast Menu After Retirement
Replies: 73
Views: 10804

Re: Breakfast Menu After Retirement

Pretty much the same in retirement as it was when I was working. Oatmeal with some type of fruit. Banana in the winter, blueberries or strawberries in the summer. A cup of coffee, light and sweet. If I don't have any fruit available for my oatmeal, I'll have a glass of Tomato juice instead.
by bluelight
Thu Aug 08, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Quarterly taxes for newly retired
Replies: 14
Views: 1138

Re: Quarterly taxes for newly retired

https://www.mortgagecalculator.org/calcs/1040-calculator.php If your situation can be handled by this calculator, you should get pretty close. Since the major change in tax law was for 2018, I would think whatever you used to do 2018 would be pretty close also. Thank you! I will take a look at the ...
by bluelight
Wed Aug 07, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly taxes for newly retired
Replies: 14
Views: 1138

Re: Quarterly taxes for newly retired

Thank you for the responses. I will check into Form 2210. I retired at 62 and 3 months, so hopefully they will waive the penalty. I usually do my own taxes using online software, not Turbo Tax. Due to multiple bonuses, my 2018 income (and taxes withheld) was significantly higher than previous years ...
by bluelight
Wed Aug 07, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly taxes for newly retired
Replies: 14
Views: 1138

Quarterly taxes for newly retired

I retired at the end of March 2019. I always had extra taxes taken for federal and state from my paycheck to cover the taxes due from DH's SS and pensions and our investments. Immediately after retiring both my husband and I were hit with unexpected medical issues and quarterly taxes fell by the way...
by bluelight
Sun Apr 28, 2019 11:01 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 427
Views: 69193

Re: Roll Call for the Retirement Class of 2019!

I'm already on the 2019 Roll Call, with an unknown date (and age?) . Please change the date to March 29. The age is 62. This month is going to take forever to get through, but I'm looking forward to a beautiful spring. Thank you for the update Bluelight - we updated the roster and by now, you are a...
by bluelight
Tue Apr 09, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: fun car advice
Replies: 140
Views: 10330

Re: fun car advice

Look into a CPO Cayman or Boxster, 2009 model year and above. Mid engine, fun to drive.

Then join your local PCA chapter and have some more fun.

DH and I did this 5 years ago and have never regretted it for a second.
by bluelight
Sat Mar 23, 2019 10:53 am
Forum: Personal Investments
Topic: Opening 529 for out of state grandchild
Replies: 4
Views: 402

Opening 529 for out of state grandchild

I currently invest in 529 plans for my 3 grandchildren who live in NY. I live in NY and take the state tax deduction for the contributions. In June we have a grandchild born in Mississippi and we want to open a 529 for her. Should I open the account in NY or Mississippi?
by bluelight
Thu Mar 14, 2019 11:25 pm
Forum: Personal Consumer Issues
Topic: How do you confirm that bills are successfully paid?
Replies: 38
Views: 2836

Re: How do you confirm that bills are successfully paid?

When I use bill pay my "wonderful" bank takes the money out of my account when they send the check. So, I cannot tell whether or not the check is actually cashed. So far, I have not had any of their checks get lost. My bank does the same. Luckily in the years of using their bill pay only one paymen...
by bluelight
Thu Mar 14, 2019 9:58 am
Forum: Personal Consumer Issues
Topic: lawn care cost
Replies: 107
Views: 10232

Re: lawn care cost

A little surprised at the prices, I thought mine was a little high but I guess not. A little over 1/2 acre with about 1/4 acre of lawn in HCOL NYC suburbs. $40 per week to a local father/son landscaping company. They use a mulching mower, edger and blow the clippings off the pavers and driveway. Spr...
by bluelight
Wed Mar 13, 2019 4:11 pm
Forum: Personal Investments
Topic: Will I be able to do a backdoor ROTH?
Replies: 15
Views: 1691

Re: Will I be able to do a backdoor ROTH?

Thank you. I will review the Roth conversion topics.
by bluelight
Mon Mar 11, 2019 6:32 pm
Forum: Personal Investments
Topic: Will I be able to do a backdoor ROTH?
Replies: 15
Views: 1691

Re: Will I be able to do a backdoor ROTH?

You appear to have $140k in traditional IRA and $750 in 401k plans. The traditional IRA has $12,300 in basis (already taxed money). Do you have the Form 8606 that documents that $12,300 in basis? Yes, I have an 8606 that shows 12k in basis. Somehow when I gave the figures to MIL's CPA who did our t...
by bluelight
Fri Mar 08, 2019 11:46 pm
Forum: Personal Investments
Topic: Will I be able to do a backdoor ROTH?
Replies: 15
Views: 1691

Re: Will I be able to do a backdoor ROTH?

I can make a roth contribution for 2019 as I will have 3 months of income. For the tIRAs - the tIRA at Fidelity was a rollover from a prior company 401k done in 2012. There have been no other contributions. The pretax amount was 45,410. It now has a balance of 55K The tIRA at Vanguard was a rollover...