Search found 207 matches

by musicmom
Mon Jun 14, 2021 5:46 pm
Forum: Personal Consumer Issues
Topic: Need to replace a toilet
Replies: 12
Views: 1155

Re: Need to replace a toilet

Toto
We've had two. Excellent function.
by musicmom
Sun Jun 13, 2021 11:09 pm
Forum: Personal Consumer Issues
Topic: Help me choose:Provia or American Craftman for Glass Patio Doors??
Replies: 21
Views: 1418

Re: Help me choose:Provia or American Craftman for Glass Patio Doors??

Not a patio door but we bought a Provia window for our bath reno last year. We replaced a rotting wood sash window with a fixed stained glass window in the new tiled shower. It is gorgeous. The colors are so vivid. Great contrast in a largely black and white room. We had a choice of about 8 glass co...
by musicmom
Sat Jun 12, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Savings Account
Replies: 30
Views: 3062

Re: Savings Account

We've used Chase for decades for checking and savings. Opened an Ally savings account several years ago and closed the Chase savings. The Chase checking is free since we meet their requirement by having monthly direct deposits over $500 (I think). Love their online billpay and there are numerous Cha...
by musicmom
Sat Jun 12, 2021 9:21 am
Forum: Personal Consumer Issues
Topic: Portable / Window AC
Replies: 18
Views: 1212

Re: Portable / Window AC

We lived pretty well with window units in our very old home for decades. Chose tiny 5000 BTU units in three bedrooms and one large unit on main floor that cooled LR, DR, kitchen. We were able to stack the small units in a large closet in wardrobe in winter. Large unit went in garage. So, twice a yea...
by musicmom
Thu Jun 10, 2021 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16328

Re: which state to retire

+1 We retired to a small home in a beautiful safe NJ lake community. Great mix of retirees and young families. Walkable mom and pop downtown, near to major highways with access to NYC. RE taxes $6000ish, about half of previous home. NJ does not tax SS, although does tax pension and IRA withdrawals. ...
by musicmom
Thu Jun 10, 2021 2:58 am
Forum: Personal Finance (Not Investing)
Topic: which state to retire
Replies: 184
Views: 16328

Re: which state to retire

We looked at Delaware, especially near the beach.
Decided to downsize in NJ to stay near two adult kids and grandchildren.
There are options in pricey NJ for retirees.
Though snow still is snow of course.
by musicmom
Sat Jun 05, 2021 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Can we talk about what I think is a blind spot in our retirement planning?
Replies: 149
Views: 13007

Re: Can we talk about what I think is a blind spot in our retirement planning?

Wow. We're late 60s now, married 39 yrs. Not planning on divorce, but who knows? This thread did strike a cord though. I always had the megacorp job wih benefits, pension, 403b, etc. We chose to save alot in my name intending to share as we retired. DH has small pension and very small IRA. I imagine...
by musicmom
Mon May 24, 2021 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing SSDI benefits
Replies: 24
Views: 2041

Re: Maximizing SSDI benefits

OP,
My DH's benefit increased since half of my benefit exceeded his own.

DD's total benefit increased from her own SSI, to one half of my full retirement benefit when I filed.
by musicmom
Mon May 24, 2021 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing SSDI benefits
Replies: 24
Views: 2041

Re: Maximizing SSDI benefits

This can be such a difficult decision.

We have an adult disabled daughter.

I stopped working at age 62.
I claimed SS retirement at age 63.5
My SS is permanently reduced.

But BOTH DH (4 yrs older) and DD benefits increased; DD recd Medicare earlier.

Its a global family situation.
by musicmom
Wed May 05, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: One time water issue in basement
Replies: 52
Views: 4117

Re: One time water issue in basement

I havent read the entire thread.
Just a vote for sump pump with water powered backup, if you have city water.
Ours works great and we dont have to worry if the battery in the backup is good.
by musicmom
Fri Apr 16, 2021 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 140
Views: 10241

Re: Medicare Advantage - What's the Deal?

Joe Nameth seems to come every afternoon before my 4pm Judge Judy respite.
by musicmom
Wed Apr 14, 2021 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 68
Views: 5040

Re: How would you handle this? -- big utility company problem!

We heat the finished half of our basement as well, probably not included in that 800 Sq ft. Also gas water heating and cooking. But youre right we probably could benefit from an energy audit. This little house is our retirement lake house from 1920, not well insulated I bet. We're actually not conce...
by musicmom
Tue Apr 13, 2021 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: How would you handle this? -- big utility company problem!
Replies: 68
Views: 5040

Re: How would you handle this? -- big utility company problem!

I also am surprised that you found $170/month high in Minnesota. We have a tiny 800 sq ft home in New Jersey, keep it set at 70. Winter months we pay $110-$130. Two months ago, we got a bill for $241. Absurd. Called the utility and had to listen to his explanations that it was correct, it was 4 degr...
by musicmom
Fri Apr 09, 2021 10:39 pm
Forum: Personal Consumer Issues
Topic: How much $$ to get kitchen cabinets painted?
Replies: 42
Views: 4234

Re: How much $$ to get kitchen cabinets painted?

We're having our cabinets painted in May. 30 doors/drawers. Sturdy but ugly 80's oak. VHCOL. Got several quotes most in same ballpark; one outlier was double! We hired a local painter in business 20+ years. Very detailed contract, insured, great references. Total will be $3600 material and labor. Be...
by musicmom
Tue Apr 06, 2021 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Plus-up stimulus payment question?
Replies: 3
Views: 277

Re: Plus-up stimulus payment question?

My DD received an unexpected direct deposit from IRS today. In addition to her stimulus payment and tax refund.
No idea what it is
by musicmom
Fri Apr 02, 2021 8:04 am
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 54
Views: 4090

Re: Laser Printer: Buy a New One?

LOVE my new HP LaserJet Pro M29w Wireless All-in-One Laser Printer. Its TINY, inexpensive, prints, scans, copies wirelessly from my Kindle Fire, samsung phone, Surface. Makes my life so much easier almost every day. Dont print much anymore but the scanning featire is great for sharing docs with fami...
by musicmom
Thu Apr 01, 2021 10:30 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 175
Views: 36368

Re: Retire with Less Than $1 million?

Trading the family home with a mortgage for a smaller place with much lower taxes allowd me to retire well 5 years earlier and keep my sanity.
by musicmom
Thu Apr 01, 2021 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Stay on wife's employer health insurance, or Medicare?
Replies: 14
Views: 962

Re: Stay on wife's employer health insurance, or Medicare?

Maybe employers cover this differently? My husband has always been covered as a dependent on my megacorp employee plan. When he turned 65, he was able to defer part B with no penalty and continued with my insurance primary. When I retired at 62, he was then required to start part B (no late penalty)...
by musicmom
Tue Mar 30, 2021 1:40 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 58
Views: 4212

Re: Bathroom Remodel

We did a total gut of our main bathroom last june. Replaced tub with tiled walk in shower. New tile floor, vanity, toilet. Replaced old window in shower with stationary stained glass window. New vanity with marble top. No plumbing was moved. Bogle7's list is great. We have the same Panasonic fan, it...
by musicmom
Mon Mar 08, 2021 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance claim EOBs- my new retirement gig
Replies: 2
Views: 378

Health insurance claim EOBs- my new retirement gig

Hope this is on topic for Personal Finance. Just spent 2 hours on the phone with Dr billing office and insurance provider about one claim processed incorrectly. Thought I'd head off the bill that will be coming soon. Insurance processed claim as provider is out of network, which is incorrect. Seems ...
by musicmom
Sun Mar 07, 2021 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13888

Re: 35 and thinking about early retirement or partial retirement

I retired 'early' (ha) at 62 and hope to have maybe 2 decades to hang around doing whatever I want to. But I dont know. You're 35. Hopefully you have decades (5?) to enjoy. Sounds like youve done well but are stressed out. Can you find a new position or field that you might actually feel fulfilled i...
by musicmom
Wed Feb 24, 2021 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Is there any tips when signing up fir Medicare
Replies: 8
Views: 578

Re: Is there any tips when signing up fir Medicare

We also have retiree medical through my former employer. It was primary for my husband until Medicare, then became secondary. So no other plan is needed as it also covers prescription. I remember there was a glitch when Medicare kicked in. His account needed to be updated to specify the secondary co...
by musicmom
Sat Feb 20, 2021 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Filing Taxes for the First Time Independently
Replies: 24
Views: 1704

Re: Filing Taxes for the First Time Independently

Have used Turbotax deluxe, federal and state, for years (decades?) Through buying selling houses, college tuition, investments, etc etc. Always eady and I never feel Ive missed anything. Totally worth the $30ish I pay to Amazon in early Dec each year. (40 plus 10 back as Amazon gift) I do pay the ex...
by musicmom
Fri Feb 12, 2021 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead bathroom repair
Replies: 36
Views: 2771

Re: Boglehead bathroom repair

We sold our well loved but well worn 200+ yr old house two years ago. Raised 2 children, enjoyed it 35 years. We LOVED its authentic staircase, floors, archways, stone foundation. Our realtor helped us declutter it and depersonalize it. We invested maybe 5K tearing up ugly orange carpeting, refinish...
by musicmom
Wed Feb 10, 2021 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

Very cool.
Thanks!

Imagine how many other great TT features I havent discovered in 20+ years
by musicmom
Tue Feb 09, 2021 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

Hey, wait a minute!
Ive got a whole 8 months yet till 65!!
Actually so looking forward to it so both DH and I can be on the same primary health insurance.
by musicmom
Tue Feb 09, 2021 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

Ive gotten some good info to consider.
I may want to think harder about Roth conversions especially as we do want to leave assets for our disabled daughters future care. Without this goal, I"d try hard to spend our last dollar at the end.

Thanks everyone for your suggestions.
by musicmom
Tue Feb 09, 2021 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

#lalamimi, TT added in our charitable donation, so all good. ­čî×
by musicmom
Tue Feb 09, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

I hadnt thought of that! Its not much of course but its something. And I could possibly add more each year if I hang on to my part time job.
by musicmom
Tue Feb 09, 2021 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

Thanks!
We're not making any IRA or HSA contributions. I cant think of anything on our side that we would be changing/adding.
Was wondering if 'they' could change something at this late date to effect 2020 numbers. Just my OCD kicking in.
by musicmom
Tue Feb 09, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

What IF form? Something in TT I havent seen yet. I'll have to take a look. Thinking about timing of filing. I've got all our paperwork from all sources entered. Is there any reason to wait to file? Could there be some pending stimulus or tax update hitting soon that would make it wise to wait? I kno...
by musicmom
Mon Feb 08, 2021 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

See, thats where I get confused. I got a tax break on all those traditional IRA contributions during many higher tax bracket earning years. That was fun. And now, I pay a lower tax rate on distributions. Also great. But Im reading up on RMDs and IRMA. Starting at 72, I'll have to take distributions ...
by musicmom
Mon Feb 08, 2021 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

@02nz, can you explain?
I admit to ignorance.
by musicmom
Mon Feb 08, 2021 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Re: Turbotaxing first full year in retirement

@dbr, thanks for that idea. I always buy the old school Turbotax CD from Amazon each Dec when they sell it for $40 and free $10 gift card. So I have extra room to play with scenarios for next year. We're hoping DHs gigs return later this year as anticipated. So some more (good) changes perhaps. We h...
by musicmom
Mon Feb 08, 2021 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotaxing first full year in retirement
Replies: 30
Views: 2164

Turbotaxing first full year in retirement

Ive used Turbotax for many years. I started entering our numbers today and I think I did a poor job anticipating our federal tax. 2020 was my first full year of retirement. DH lost his gig jobs due to covid, and received some unemployment. I had Fidelity send 12% of each monthly IRA distribution to ...
by musicmom
Thu Feb 04, 2021 7:15 am
Forum: Personal Consumer Issues
Topic: Dental PPO - Cost for Cap/Crown
Replies: 31
Views: 2849

Re: Dental PPO - Cost for Cap/Crown

Ive been slowly addressing several teeth needing crowns using my PPO dental plan with a $2000 year max benefit. Im finding my new-ish dentist is using "pins' in a core build up before placing crown. I questioned the additional expense at first. But the two he had done so far have fared well. Se...
by musicmom
Sat Jan 30, 2021 11:32 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 689
Views: 61841

Re: What is Your Age and Asset Allocation?

Both mid 60s, retired.

All in traditional IRA:
50% US total market stock
50% Bond index/cash
by musicmom
Wed Jan 27, 2021 11:48 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 26
Views: 7656

Re: Fidelity ZERO Total Market Index closed to new investors?

Amazing how much basic stuff I still have to learn.
Thanks everyone for helping explain for me.

My Fidelity IRA is a rollover from my workplace 403b.
My Fidelity rep emailed me back and confirmed I cannot purchase FZROX in that IRA.
It is available to me if I had a brokerage account, which I do not.
by musicmom
Wed Jan 27, 2021 12:18 pm
Forum: Personal Investments
Topic: Fidelity ZERO Total Market Index closed to new investors?
Replies: 26
Views: 7656

Re: Fidelity ZERO Total Market Index closed to new investors?

I know this is an old thread.
In case anyone else is interested in buying FZROX now, its currently closed (still or again).

Annoyed as I finally decided to move some significant IRA money from managed funds.
Chose FSKAX instead. Very low expense ratio. But still not happy.
by musicmom
Wed Jan 27, 2021 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Filing for Social Security at Age 70
Replies: 54
Views: 6505

Re: Advice on Filing for Social Security at Age 70

Online eliminates the possibility of miscommunication with a human being. Having said that, Ive had long time in person interactions with SS staff pre pandemic handling benefits for our adult disabled daughter. Always found employees to be patient and knowledgeable and looking to apply the rules to ...
by musicmom
Fri Jan 22, 2021 8:13 am
Forum: Personal Finance (Not Investing)
Topic: gifting money to adult children or to grandkids after you have retired
Replies: 33
Views: 4068

Re: gifting money to adult children or to grandkids after you have retired

We no longer gift significant chunks to our adult kids. Recently retired, with SS and 3% IRA withdrawals, we feel pretty secure. Low expenses, no debt. But we hope to live awhile. We may need long term care, more significant medical, etc. While working, we did fund much of college expense, wedding, ...
by musicmom
Thu Jan 21, 2021 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is Amex Blue Cash preferred card still worth keeping?
Replies: 51
Views: 3437

Re: Is Amex Blue Cash preferred card still worth keeping?

Our Amex card just renewed for second year. Didnt enjoy paying the $95 fee but really DO enjoy the 6% back on groceries. Yes, 4.something net. We are at the sweet spot of $450 to $500 month in groceries. Mid Dec we hit the $6000 limit per year, went down to 1% for a week or two. Use it for the small...
by musicmom
Tue Jan 19, 2021 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 11089

Re: Family support for an artist

+100 Jupiter.

I LOVED alot of my years in healthcare. But parts of it was repetitive, political, physically demanding, mentally stressful.
I think everyone, including talented artists/musicians have to expect to embrace the very less fun parts of work in order to make it real.
by musicmom
Mon Jan 18, 2021 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 11089

Re: Family support for an artist

No one size fits all, IMHO. DH is a lifelong professional musician. Now 68, hes had to revise his work life over the decades. Conservatory educated. Studio work, touring, weddings, community theatre, arranging, composing, online sales. I had the standard career job with benefits. We raised two child...
by musicmom
Sun Jan 17, 2021 4:36 pm
Forum: Personal Consumer Issues
Topic: Financial planning for disabled offspring charity?
Replies: 3
Views: 378

Re: Financial planning for disabled offspring charity?

Its commendable that you are looking for an effective way to support families of special needs choldren. We have an adult disabled daughter. She will never be self supporting. It has been a huge challenge for us to learn the multiple programs in our state that assist permanently disabled people. We'...
by musicmom
Sat Jan 16, 2021 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: ACA plan vs employer retiree plan
Replies: 33
Views: 2037

Re: ACA plan vs employer retiree plan

You have a real decision to make. DH and I didnt. My megacorps no longer offered retiree plan is almost identical to active employee plan. Extremely low monthly premium. Most in network PPO docs and services covered at 100%. OOP max per year is 3000 per year I think. Generic drugs have $5 copays. No...
by musicmom
Fri Jan 15, 2021 4:20 am
Forum: Personal Finance (Not Investing)
Topic: Options for healthcare during FIRE (but before 65)?
Replies: 141
Views: 10788

Re: Options for healthcare during FIRE (but before 65)?

DH and I have employer retiree coverage from my old self funded PPO megacorp plan. We pay $150/month premium for us both. Provides medical, mental health and pharmacy. Low annual deductible each. It will be our secondary when Medicare kicks in. This unbelievable perk has since been discontinued, I w...
by musicmom
Mon Jan 11, 2021 10:49 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 20
Views: 1723

Re: Dental Insurance

DH and I are retired. Employer provided great cheap medical coverage but no dental. We buy a Delta Dental plan. Covers DH's 2 cleanings, exams and x-rays each year at 100%. My teeth require much more. Our plan has $2000 yearly benefit per person; covers restorations at 50%. Pretty much each year I c...