Search found 198 matches

by musicmom
Wed May 05, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: One time water issue in basement
Replies: 52
Views: 4078

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: 10025

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: 4954

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: 4954

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: 4191

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: 266

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: 4049

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: 36184

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: 939

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: 45
Views: 2898

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: 372

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: 13823

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: 574

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: 1689

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: 2737

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2160

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: 2798

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: 595
Views: 56420

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: 7611

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: 7611

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: 6256

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: 4060

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: 3387

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: 11001

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: 11001

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: 337

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: 2025

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: 10663

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: 1716

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...
by musicmom
Sat Jan 09, 2021 7:46 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15826

Re: Regrets postponing retirement too long?

Travel is tops on so many retirees list.
Not ours.
We live our homebody life.
Exercise, cooking, house projects, kyacks, swimming, reading, binge streaming, sleeping in, family.
We are so happy to have the freedom right here at home.
by musicmom
Sat Jan 09, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: How did you choose a location to retire?
Replies: 113
Views: 10440

Re: How did you chose a location to retire?

We did the same.
Sold the large-ish colonial in county seat and moved 8 miles away to a ranch in suburban lake community.
Less upkeep, no mortgage, still near adult children. Gained a terrific bunch of new friends in the community club.
by musicmom
Mon Jan 04, 2021 11:23 am
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 21593

Re: For those retired or FI, how much do you spend annually?

We're only retired one year.
Our income was ~74K after taxes 2020. HCOL state but no debt, no mortgage, retiree health insurance.
Could comfortably take larger IRA distributions if needed.
Only spent 60K, probably due to lockdown.
by musicmom
Tue Dec 29, 2020 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bathroom remodeling - price/value considerations
Replies: 30
Views: 2528

Re: Bathroom remodeling - price/value considerations

Hard to balance nerds and wants in remodeling. We're remodeling our small retirement lake home, having downsized from larger family home 2 yrs ago. Its our final move and want what we want at this stage in our lives. Fortunately, only 2 BR, 1.5 bath ranch so costs are contained due to size. Finished...
by musicmom
Sun Dec 27, 2020 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Best Way to Collect Rent Electronically?
Replies: 89
Views: 4454

Re: Best Way to Collect Rent Electronically?

Ive used Zelle to remotely pay our disabled daughters rent each month from her online Chase checking account.
Easy set up and landlord receives money instantaneously.
Has worked perfectly for 3+ years.
by musicmom
Sat Dec 26, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Turbotax on Sale Today Only
Replies: 103
Views: 8951

Re: Turbotax on Sale Today Only

Just ordered Deluxe with state AND $10 gift card for $39.99.

Thank you for the tip!
by musicmom
Sat Dec 26, 2020 10:46 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2020 Price
Replies: 27
Views: 3724

Re: TurboTax 2020 Price

Thanks for heads up!
Just ordered Deluxe with state, disc via Amazon for $39.99.
Includes $10 Amazon gift card.
Excellent!
by musicmom
Wed Dec 23, 2020 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Christmas wish for a Boglehead radio show
Replies: 15
Views: 776

Re: Christmas wish for a Bogglehead radio show

@Mr BB-
Good idea for beginners.
Our millenial son could benefit.
My younger self could as well!

Love the "Excellence" quote.
Our son hung that in his practice room as a teen preparing for conservatory auditions.
Resonated with him. Hes an accomplished musician/teacher/performer now.
by musicmom
Mon Dec 21, 2020 5:33 pm
Forum: Personal Consumer Issues
Topic: Bosch dishwasher?
Replies: 109
Views: 13088

Re: Bosch dishwasher?

Bosch supply chain issue?
Yes!
We need an ADA (slightly shorter) Bosch to fit under our countertop.
Long story, new tile floor limits DW opening.

Its on order at Lowes. Expect (hope) for Feb delivery.

I did shop other brands, similar poor availability.