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Search: Posts Made By: MissMolly
Forum: Other topics 02-02-2016, 07:54 PM
Replies: 19
Views: 610
Posted By MissMolly
In my experience working in the mortgage...

In my experience working in the mortgage industry, if one of our customers filed a dispute the credit agency would send notice of the dispute to us (through a system know as eOSCAR). We would have a...
Forum: FIRE and Money 12-23-2015, 11:25 AM
Replies: 24
Views: 1,553
Posted By MissMolly
Our premiums have gone down every year with...

Our premiums have gone down every year with Progressive. We have been with them for 5 years now. I switched to Progressive because of outstanding service I received from them when I was hit by one...
Forum: FIRE and Money 12-02-2015, 08:34 PM
Replies: 114
Views: 7,257
Posted By MissMolly
We buy our TT from this site SaveDealz...

We buy our TT from this site SaveDealz (http://savedealz.com/). We've bought from here for several years. Never a problem. Download to our desktop. Their prices cannot be beat. TT Deluxe is...
Forum: Other topics 11-27-2015, 05:03 AM
Replies: 11
Views: 568
Posted By MissMolly
I got the same thing earlier tonight. And, as...

I got the same thing earlier tonight. And, as you, I immediately backed out. I've never seen that before.
Forum: FIRE and Money 11-08-2015, 03:08 PM
Replies: 10
Views: 1,062
Posted By MissMolly
This is one I am not sure about. Your hubby can...

This is one I am not sure about. Your hubby can definitely file and suspend as long as he does it within the 180 period. But, I'm not sure you can then file only spousal when you turn 66 and have...
Forum: FIRE and Money 11-08-2015, 10:36 AM
Replies: 10
Views: 1,062
Posted By MissMolly
No, you can't. You can only file and restrict to...

No, you can't. You can only file and restrict to spousal if you are at least 66. If you file before full retirement age, you are "deemed" to be filing for all available benefits and will be awarded...
Forum: FIRE and Money 11-08-2015, 08:38 AM
Replies: 10
Views: 1,062
Posted By MissMolly
Actually, I didn't word my response well at all. ...

Actually, I didn't word my response well at all. For those who will be at least 62 by the end of 2015, filing for 50% spousal is preserved but only after one spouse has filed for, and is receiving,...
Forum: FIRE and Money 11-07-2015, 10:56 AM
Replies: 10
Views: 1,062
Posted By MissMolly
stephenson - I'm sorry to tell you that neither...

stephenson - I'm sorry to tell you that neither one of you makes the cutoff. File and suspend has only been retained for folks who will be at least 62 years old by the end of 2015. The 180 days you...
Forum: Other topics 11-01-2015, 06:58 PM
Replies: 63
Views: 1,334
Posted By MissMolly
Thirteen Ghosts. Not the remake from 2001, but...

Thirteen Ghosts. Not the remake from 2001, but the original from 1960. Watched it at a slumber party and was scared to death.
22552
Forum: FIRE and Money 11-01-2015, 01:38 PM
Replies: 24
Views: 2,976
Posted By MissMolly
Pb4uski - I don't think you will be able to do...

Pb4uski - I don't think you will be able to do this (but I could be wrong). It is my understanding that only folks who will be 62 or older by the end of this year will be able to claim 50% spousal...
Forum: FIRE and Money 10-29-2015, 04:06 PM
Replies: 38
Views: 2,251
Posted By MissMolly
Maybe it's just your terminology, but some of...

Maybe it's just your terminology, but some of your explanations are not exactly correct. First of all, interest is never added to the principal balance (not on an ordinary amortizing loan. Negative...
Forum: FIRE and Money 10-29-2015, 03:31 PM
Replies: 177
Views: 9,956
Posted By MissMolly
Can anyone clarify some of this for my situation?...

Can anyone clarify some of this for my situation?

*Spouse is 63 (will turn 64 in Feb) - not yet collecting SS
*I will turn 62 in about 3 more weeks, so will be 62 in the year 2015.
*I had...
Forum: FIRE and Money 10-29-2015, 07:38 AM
Replies: 38
Views: 2,251
Posted By MissMolly
Actually, no you aren't. You pay interest based...

Actually, no you aren't. You pay interest based on the remaining principal balance. If you pay a payment the first day of the month, your balance is decreased by the amount applied to principal. ...
Forum: FIRE and Money 10-27-2015, 06:55 PM
Replies: 38
Views: 2,251
Posted By MissMolly
This is not entirely correct. The principal...

This is not entirely correct. The principal amount due on the first of the month is the same amount due at the end of the month if you don't make a payment. Interest is calculated on the amount due...
Forum: Life after FIRE 10-12-2015, 02:02 PM
Replies: 23
Views: 1,242
Posted By MissMolly
I've been consulting since the month after I...

I've been consulting since the month after I retired from my career job 5 years ago. I love it for all the above reasons. Pick your projects, pick your customers, pick your hours, get paid far more...
Forum: FIRE and Money 10-12-2015, 11:53 AM
Replies: 15
Views: 824
Posted By MissMolly
It might have been the PIN number you will need...

It might have been the PIN number you will need if you ever want to unlock your credit report with them. All three of the credit bureau agencies gave me a PIN.
Forum: Health and Early Retirement 10-09-2015, 05:10 PM
Replies: 33
Views: 2,691
Posted By MissMolly
Under current law, you would need to have both...

Under current law, you would need to have both Medicare and SS benefits start by November 2015 in order to be protected by the "hold harmless" provisions. However, nothing has passed yet, so this is...
Forum: Other topics 09-05-2015, 04:55 PM
Replies: 49
Views: 2,274
Posted By MissMolly
Actually, embalming is rarely required by law. ...

Actually, embalming is rarely required by law. If you feel strongly about this as I do, you may want to look into it.
Forum: FIRE and Money 09-05-2015, 03:42 PM
Replies: 112
Views: 7,698
Posted By MissMolly
If I had my druthers, we'd leave a boat-load to...

If I had my druthers, we'd leave a boat-load to the kids. My daughter is in her late 30's and my son in his late 20's. They are both college educated, hard-working, productive individuals. She has...
Forum: Other topics 08-28-2015, 10:20 AM
Replies: 1,525
Sticky: Recent Photo
Views: 183,245
Posted By MissMolly
Congratulations! Twins! How exciting!

Congratulations! Twins! How exciting!
Forum: Other topics 08-23-2015, 05:55 PM
Replies: 1,525
Sticky: Recent Photo
Views: 183,245
Posted By MissMolly
Forum: Other topics 08-13-2015, 02:01 PM
Replies: 276
Views: 13,946
Posted By MissMolly
I installed Windows 10 over the weekend and hated...

I installed Windows 10 over the weekend and hated it. Plus it won't run my VPN Client which I need for my consulting work. Rolled it back to Windows 7 the next day. Very painless, but must be done...
Forum: FIRE and Money 07-24-2015, 01:51 PM
Replies: 15
Views: 899
Posted By MissMolly
I began consulting the month after I retired from...

I began consulting the month after I retired from my state job and have continued for the past 4 1/2 years. I love it. I mostly work from home but do occasional on-site work, usually about twice a...
Forum: Health and Early Retirement 06-29-2015, 09:07 PM
Replies: 86
Views: 6,061
Posted By MissMolly
Both DH and I got the shot almost 2 years ago. I...

Both DH and I got the shot almost 2 years ago. I had no reaction whatsoever. DH was red and itchy at the injection site for a couple of days. Neither of us has had shingles. We both had the...
Forum: FIRE and Money 06-26-2015, 10:41 PM
Replies: 97
Views: 6,146
Posted By MissMolly
UGH! Too many acronyms and too late at night for...

UGH! Too many acronyms and too late at night for me. I'm going to bed ;)
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