Search found 188 matches

by lynneny
Wed Nov 28, 2018 1:57 am
Forum: Personal Finance (Not Investing)
Topic: List of costs that go away/decrease and increase/appear in retirement
Replies: 69
Views: 5780

Re: List of costs that go away/decrease and increase/appear in retirement

I think if you had a corporate job where your company picked up a lot of expenses, your costs can increase significantly in retirement. That's happening to me in my first year of retirement: --My employer paid for my phone and laptop. Now I pay for my own devices and phone bill. --My employer paid 8...
by lynneny
Thu Nov 08, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Expat Mexico sold U.S. home, best way to invest money safely for year or two
Replies: 5
Views: 923

Re: Sold home, best way to invest money safely for year or two

Thanks, but I believe VUSXX and SNSXX are both mutual funds, and expats can't invest in U.S. mutual funds (although Schwab lets expats buy ETFs) so that's part of the reason I was considering buying treasuries, which I can do. Re comment about being an expat at Vanguard: It's true that as an expat, ...
by lynneny
Wed Nov 07, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Expat Mexico sold U.S. home, best way to invest money safely for year or two
Replies: 5
Views: 923

Expat Mexico sold U.S. home, best way to invest money safely for year or two

I just sold my apartment in a HCOL city, and want to put the money somewhere safe for a year or two until I (probably) buy a new home in LCOL area I'm retiring to in Mexico. After paying off the mortgage, I was left with enough to pay cash for next home. Since it's in a foreign country, I want to ta...
by lynneny
Sun Nov 04, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 51
Views: 2413

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

I subscribe to the NYT and the Washington Post, several other news sites, and donate to PBS. The idea that reliable, trustworthy news and information will find you for free/using incognito browsers etc only works as long as enough other people are paying for it, and essentially subsidizing your acce...
by lynneny
Fri Oct 26, 2018 12:13 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: What keeps you up at night?
Replies: 56
Views: 6140

Re: Retirees: What keeps you up at night?

Alzheimer's. We have a serious family history of it, including early-onset for my mom. I just retired to Mexico, which should alleviate the financial worries I'd otherwise have. But as a single person in a new country where I don't have family or old friends, getting Alzheimer's here would be pretty...
by lynneny
Tue Oct 23, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25882

Re: PSA: Don't buy a big house

I may soon be buying a 2BR, 2 BA house with high ceilings. I just retired to Mexico, to a city people typically move to for the old colonial houses. Ceiling height is usually about 18", with lovely original exposed beams. That height helps keep the house cool in the tropical heat, and each room has ...
by lynneny
Sat Oct 06, 2018 10:33 pm
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2265

Re: U.S. mailing address/forwarding for expats

OP here. Terran, That's an interesting question about financial institutions etc accepting mail forwarding address as a legitimate address. Some of them do market themselves as being acceptable addresses to banks, etc. I guess that's something I'll find out My two main financial institutions are Sch...
by lynneny
Fri Oct 05, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2265

Re: U.S. mailing address/forwarding for expats

Zuma - Is there any risk California might want to consider you a state resident for local income tax purposes, due to your U.S. mailing address there? I'll probably go with Global Mail US, mostly based on reviews that it works well for other expats in the country I'm going to, Mexico. Global Mail ha...
by lynneny
Thu Oct 04, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3539

Re: Remember traveler's checks? How to cash a forgotten stash

Update from OP: Interpayment Service Ltd in London got back to me and said the Travelex in Times Sq here in NY will redeem my traveler's checks, but only on weekdays between 9 and 11 a.m. I guess that's so they can verify the checks' validity with Interpayment during London office hours. I went to t...
by lynneny
Thu Oct 04, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2265

Re: U.S. mailing address/forwarding for expats

Thanks for all the great suggestions. The option to become a Florida resident is intriguing; I've been wondering if I'll be able to renew my driver's license when I cease to be a resident of NY. As long as I can get a driver's license, I don't really care which state it's from. Re the question about...
by lynneny
Thu Oct 04, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3539

Re: Remember traveler's checks? How to cash a forgotten stash

Great suggestions! Especially about Karl Malden, and trying to palm them off on the IRS. The Visa traveler's check 'Contact us, we're here to help' site actually doesn't help any more; they just post banks that used to issue them, one of which told me to contact Interpayment Services Ltd in London. ...
by lynneny
Wed Oct 03, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2265

Re: U.S. mailing address/forwarding for expats

Thanks Expro, I'll look into USA Mail.
by lynneny
Wed Oct 03, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3539

Re: Remember traveler's checks? How to cash a forgotten stash

About $180 in Visa travelers checks. Visa and Barclays both referred me to Interpayment Services Ltd in London, reachable by email at tcassistance@travelex.com. No response to my email, so I'll try the U.K. phone number for Interpayment tomorrow. (I went to a Travelex outlet here in NY, and they don...
by lynneny
Tue Oct 02, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Remember traveler's checks? How to cash a forgotten stash
Replies: 29
Views: 3539

Remember traveler's checks? How to cash a forgotten stash

Clearing out home for my move next week, I discovered a stash of Visa traveler's checks that I must have had left over from a trip about 20 years ago, put away for a future trip, and stupidly forgot about.. Traveler's checks used to be accepted everywhere. Today, it's the opposite. Not even a curren...
by lynneny
Tue Oct 02, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: U.S. mailing address/forwarding for expats
Replies: 25
Views: 2265

U.S. mailing address/forwarding for expats

This may be more a question for expats (which I'll become in less than two weeks) or RV travelers: What service have you found reliable to use as a U.S. mailing address, including occasional mail forwarding? I'm moving to Mexico, where the local mail service is terrible. So I'd like an address I can...
by lynneny
Mon Sep 24, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: NYC weekend house: your experiences?
Replies: 18
Views: 2847

Re: NYC weekend house: your experiences?

OP, my friends did something similar. NY is a somewhat unique situation. My friends are a couple with three kids, crammed into a small nyc apartment they couldn't leave because their neighborhood has excellent public schools. They can't afford a bigger apartment there, or private school if they left...
by lynneny
Mon Sep 24, 2018 1:10 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 92
Views: 11772

Re: Minimalist Lifestyle

I'm currently an extremely reluctant minimalist. Next month, I'm retiring to Latin America from a HCOL area I can't afford to stay in without a job. It would be insanely expensive to ship most of my two-bedroom apartment there, and some of it's unsuited to a tropical climate anyway (winter clothes, ...
by lynneny
Sun Aug 26, 2018 1:24 am
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8840

Re: Ladies: bra shopping question

I usually buy Wacoal or Warner bras -- they have styles with no underwiring and little padding.

But I'm going to check out the Uniqlo bras Luminous linked to!
by lynneny
Sun Aug 12, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6588

Re: are mccormick gourmet spices better

I love Penzey's spices, and Bill Penzey's sincere and heartfelt emails.

I kind of despise his Spice House sibling, who deliberately courts conservative media and bloggers with the message that their spices have "no politics." Clever marketing move, but pretty cynical compared to her brother.
by lynneny
Sun Jul 15, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 6012

Re: Would you trade experiences in your youth for early retirement

I see this a little differently. My father died suddenly at 42, when I was a small child. My mother developed early-onset Alzheimer's when I was a young adult. So I've always been painfully aware that there is no guarantee any of us will still be around tomorrow. I suspect they might have lived thei...
by lynneny
Sun Jul 08, 2018 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Schwab
Replies: 18
Views: 2842

Re: Fidelity vs Schwab

Schwab is the most expat friendly. I moved my taxable account and checking to Schwab earlier this year in preparation for retiring abroad this fall. Some of the advantages for an expat: Schwab International doesn't care if you don't have a U.S. mailing address and has 24-hour customer service via a ...
by lynneny
Wed Jul 04, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7062

Re: Older Women Lifting Weights

A friend and I, total novices at weight lifting at 62, are doing this: https://www.popsugar.com/fitness/21-Day-Arm-Challenge-37016988 I've been doing yoga for years, and it's really improved my upper body strength, as well as balance and flexibility. I usually do power yoga classes, since I see yoga...
by lynneny
Tue Jul 03, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Recommend airline luggage fitting in overhead bin?
Replies: 31
Views: 3626

Re: Recommend airline luggage fitting in overhead bin?

Briggs & Riley really does stand by its lifetime guarantee. I used a large Briggs & Riley carry-on frequently for more than 20 years. When one of the pockets finally started to tear off, i took the bag to a local luggage store listed on the company's website as authorized to do repairs. The owner sa...
by lynneny
Sun Jul 01, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: Any Reason to Keep My "Landline" Phone?
Replies: 65
Views: 4432

Re: Any Reason to Keep My "Landline" Phone?

I get free calls to Canada (where I have good friends) on my landline; if I called from my cell phone, I'd have to pay.

The cost of the landline is negligible as part of a triple play package, and sound quality is better than on my cell.
by lynneny
Sun Jul 01, 2018 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: Distribution Fee in 401(k)
Replies: 2
Views: 446

Re: Distribution Fee in 401(k)

Our 401(k) charges a $40 distribution processing fee. People generally pay this fee once, when they role their account over to an IRA after retiring.
by lynneny
Tue Jun 19, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 505
Views: 114790

Re: Anyone regret paying off mortgage early?

I'll be a contrarian and say I do regret paying most of my mortgage off early. I made additional payments of principal with my mortgage payment every month for about 10 years (still have a little mortgage left). Instead, I should have put those extra payments toward maxxing out my 401(k) contributio...
by lynneny
Tue Jun 19, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tracking spending before retirement useful for estimating retirement expenses?
Replies: 72
Views: 4830

Re: Tracking spending before retirement useful for estimating retirement expenses?

Tracking my expenses was useful mainly because I already knew when I was laid off a few months ago that I can't afford to stay in my HCOL area and retire (just turned 62). Especially because my expenses here are going up: no more employer-provided cell phone and lap top, COBRA costs much more than e...
by lynneny
Wed Jun 13, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18671

Re: Life in retirement - what did you do today?

Retirement is new to me (after layoff a few months ago at 61) so I still get excited about the freedom to do what I want, like spending a beautiful summer day outdoors rather than in a cubicle. Today I slept until I woke up, about two hours later than I would have been jolted out of a sound sleep by...
by lynneny
Thu Jun 07, 2018 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2526

Re: Paper tax return filed at deadline - still no refund 7 weeks later

I heard from the IRS a few weeks after I filed. They sent me a letter about an error I made in my tax return -- and a check for $5. I thought I owed them a very small penalty for not paying enough in estimated taxes, but they knocked the penalty down from $12 to $7, and sent back $5.
by lynneny
Tue Jun 05, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Next step after removing Roth IRA excess contribution?
Replies: 6
Views: 497

Re: Next step after removing Roth IRA excess contribution?

I already removed the excess contribution, so I unfortunately can't change that now. I'm 62, so no 10% penalty. I downloaded IRS form 1040X to try to amend my 2017 taxes to reflect the $80.80 in excess earnings, but don't see how to add that to my 2017 taxable income, or explain where it came from. ...
by lynneny
Tue Jun 05, 2018 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Next step after removing Roth IRA excess contribution?
Replies: 6
Views: 497

Next step after removing Roth IRA excess contribution?

I accidentally contributed too much to my Roth IRA last year, because after I was laid off in December, my former employer direct deposited payment for my unused vacation time on Dec. 31. When I did my 2017 taxes, Turbo Tax told me I had made an excess contribution of $1,910. I called Vanguard today...
by lynneny
Sun May 13, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1867

Re: First time seller interviewing realtors--what to ask?

OP again. Thanks for all the great suggestions, this is extremely helpful. Yes, I'm in NYC. An outer borough, so not crazy Manhattan bidding wars and multiple offers. From my spreadsheet of the 21 sales of 2B, 2B apartments in my co-op over the last two years, prices have ranged from $487,000 to $60...
by lynneny
Sat May 12, 2018 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1867

Re: First time seller interviewing realtors--what to ask?

OP here. Thanks for the suggestions (and good idea about only doing listing for 90 days). And yes, I'll ask if fee is negotiable. One of the realtors I'm considering, who lives in my building and recently sold a friend's apartment, makes it a selling point that he charges 4%; the other two charge th...
by lynneny
Sat May 12, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: First time seller interviewing realtors--what to ask?
Replies: 19
Views: 1867

First time seller interviewing realtors--what to ask?

I was a first-time buyer 15 years ago, and now am a first-time seller. I'm moving from a HCOL to LCOL area, after a layoff a few months ago at the age of 61. While decluttering (huge job!) and doing minor repairs, I've been going to open houses to see the competition and meet local realtors/see how ...
by lynneny
Sun May 06, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retire Internationally for FIRE
Replies: 94
Views: 12995

Re: Retire Internationally for FIRE

It's never too soon to start taking vacations to countries you might want to consider retiring to! Although it's very true that a one-week vacation in a foreign country isn't the same as living there, and things will change a lot in the next 12 years, you can still get an idea about whether you like...
by lynneny
Mon Apr 16, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long for irs to pull from checking
Replies: 13
Views: 2012

Re: How long for irs to pull from checking

I filed Friday, and owe the IRS. I just checked my Schwab account, and the IRS hasn't taken the money out yet. So longer than 24 hours, but don't know how much longer it'll be.
by lynneny
Thu Apr 12, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax emergency--Almost done filing with TurboTax but a couple things are wrong
Replies: 13
Views: 1077

Re: Tax emergency--Almost done filing with TurboTax but a couple things are wrong

Good to know I can see, and print or make a copy of, at least the 1040 before I file it. I'll look at HSA again more closely in the morning. It would make sense to enter it as contribution + catchup if that's possible, but I think TurboTax just imported the $4,400 from employer contribution line on ...
by lynneny
Wed Apr 11, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax emergency--Almost done filing with TurboTax but a couple things are wrong
Replies: 13
Views: 1077

Re: Tax emergency--Almost done filing with TurboTax but a couple things are wrong

Yes, the CD version sounds like a much better idea. For now, since Turbotax is showing my return ready to file, with info saved, I think I'll come back to it tomorrow and see if I can replicate the TurboTax results myself with paper and pencil, so I can see it line-by-line and understand the numbers...
by lynneny
Wed Apr 11, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tax emergency--Almost done filing with TurboTax but a couple things are wrong
Replies: 13
Views: 1077

Re: Tax emergency--Almost done filing with TurboTax but a couple things are wrong

Yep, you're right. Thank you! I just looked back at the W-2 section and see state/local tax info is there. I guess TurboTax must have added it to deductions automatically. I'm used to going through and adding everything up line-by-line rather than just seeing totals. I wonder if it auto-corrected th...
by lynneny
Wed Apr 11, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax emergency--Almost done filing with TurboTax but a couple things are wrong
Replies: 13
Views: 1077

Tax emergency--Almost done filing with TurboTax but a couple things are wrong

Hi - I'm trying to do my own taxes this year, after years with a tax preparer. TurboTax was going pretty well, but I'm almost at the end and have run into two issues I can't figure out and TurboTax is threatening to time me out: 1. I'm itemizing and can't figure out how to enter state and local inco...
by lynneny
Sun Apr 08, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7301

Re: Gardening 2018

I just have an 18th floor terrace in a NYC high rise to garden in, so I'll start with arugula next week. In planters I can bring inside if/when temperature drops below low 40s at night. The main planting -- cherry tomatoes, herbs and lots of flowers in pots/planters -- happens in mid to late May, de...
by lynneny
Mon Apr 02, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 6062

Re: Microsoft tech support scam - how to recover?

Last week a red screen popped up on my laptop saying I had a virus and should call Microsoft Windows Tech Support. Clearly a scam and I didn't call the number, but the full-page pop-up locked my browser and I couldn't close it. Then the scammers downloaded an audio file telling me I had a virus, my ...
by lynneny
Fri Mar 16, 2018 1:19 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 47
Views: 5294

Re: simplifying my financial life -- should i get rid of treasury direct?

I'm just starting the simplification/consolidation process (set in motion by a layoff and subsequent decision to retire) so interesting to see what others are doing. I'll probably end up with: 1) taxable and checking at Schwab (just moved there) 2) Roth IRA at Vanguard along with IRA I'll roll my 40...
by lynneny
Tue Mar 13, 2018 12:48 am
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 19363

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Re Payflex/fees, the fee was $2.50 a month while I was at megacorp. Now that I'm no longer working there, I can keep my HSA at Payflex for a $5/month fee. And you are always required to keep $1,000 in cash, so that's a small drag on returns. I'm considering whether to do that, or move to HSA Authori...
by lynneny
Mon Mar 12, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: structured vs. unstructured time in retirement
Replies: 18
Views: 2440

Re: structured vs. unstructured time in retirement

I'm new at this, three months after a layoff took me from an over-scheduled, stressful corporate job to ... nothing. And surprised at how much I'm enjoying it. The biggest change is that I sleep late every day. I'm not a morning person, and now that I'm finally getting enough sleep, I can't believe ...
by lynneny
Sat Mar 10, 2018 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Schwab insists on hard inquiry on Equifax credit report !
Replies: 30
Views: 3680

Re: Schwab insists on hard inquiry on Equifax credit report !

I opened a brokerage account with Schwab last week. It took me less than 5 minutes to go to the Equifax site, type in my pin, and temporarily lift the credit freeze. I expect nothing but trouble from credit bureaus, so I was amazed at how easy and quick it was, and that I could choose when I wanted ...
by lynneny
Sat Mar 03, 2018 12:31 am
Forum: Personal Consumer Issues
Topic: Lost social security card, steps to take?
Replies: 34
Views: 2883

Re: Lost social security card, steps to take?

At 61, I've never had to show my social security card I lost as a teenager, so I haven't bothered replacing it.
by lynneny
Sat Feb 24, 2018 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Become Portugal tax resident ... pay no tax on US pension income for 10 years?
Replies: 25
Views: 8606

Re: Become Portugal tax resident ... pay no tax on US pension income for 10 years?

I was considering retiring to Portugal (but have decided to go with Mexico) and read about Portugal's exclusion of U.S. pension and social security income for the first 10 years of residence in Portugal. But I'm 61, and plan to take social security at 70, so by the time I could take advantage of the...
by lynneny
Thu Feb 22, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Gifting to Parent who might need Medicaid Nursing Home
Replies: 21
Views: 2251

Re: Gifting to Parent who might need Medicaid Nursing Home

It sounds like your generous annual gift to your mother reassures her that she's not going to run out of money. That peace of mind is valuable. And not spending down her assets may help her get into a good facility later, if necessary. As others have noted, it's easier to get into a good nursing hom...