Ronstar
Moderator Emeritus
table generated by StG's vB Code v.0.1.7.1
Interesting - thanks!
table generated by StG's vB Code v.0.1.7.1
Oh Mod, that's not the case. You can have liability only and still get umbrella. They are both liability coverages. The other coverage, called comprehensive and collision, is for your car only, and I have never carried it. But I've had umbrella coverage for years.
I'm always amazed at the difference in auto insurance across the U.S. The OP was paying $240 a month for 2 older cars. I pay $212 a month for full coverage for 3 vehicles, 2010 F150 Platinum, 2014 F250 Platinum and a 2014 Corvette
+2
We have umbrella but only liability on two vehicles.
Well I will have to check again. But while I was in Florida and I wanted to add an additional umbrella on cars, I was told I had to first add max coverage on cars.( $500,000.)
That's what I was thinking until I did a quote on Flyboy5's post just to see what it looked like, and it doesn't look like what I thought a pdf would look like.
]I like the retiree dress code.
...
I agree about clothes. I probably have enough to last me for a very long time, too. Plus, since my retirement I have averaged $29/month on clothing+shoes, so these items don't add up to a big expenditure.
I'll admit it, I cheated. I quoted someone else's table (then cut the applicable portions) and just changed the values and then pasted it into a new message. Probably not the easiest way, but it was the easiest for me! ☺Ok, I give up - How are these people putting the formatted tables in their posts?
I believe they were referring to liability coverage (pays others), not collision and comprehensive (pays you). USAA allowed me to drop my collision and comp coverage on older cars and maintain my umbrella policy.
I like the retiree dress code.
Electric | $1,737.24 |
Comcast | $898.23 |
Auto, Travel | $5,034.80 |
Entertainment | $1,272.85 |
Insurance | $3,971.72 |
Heating | $1,763.11 |
Lowes | $333.13 |
ATM Cash | $600.00 |
Checks | $759.50 |
Water | $691.00 |
Pest | $226.84 |
County | $342.00 |
RE Taxes | $10,649.08 |
Charitable | $200.00 |
Fed Tax Est | $1,865.00 |
State Tax Est | $498.00 |
Clothes | $2,024.00 |
Food | ? |
TOTAL | $32,866.50 |
I've changed my habits to spend on groceries like you do, but I had to start a price book, learn to shop at the stores with specials or regularly low prices, and also cook more from scratch. My main grocery shopping trip this month was under $100 for 2 and that included a significant amount of wine and beer.
I have a lot of cookbooks from thrift shops and library book sales with some interesting ethnic and whole foods recipes to try. A healthy wok meal we had recently with quinoa and sprouted brown rice, organic eggs and veggies was inspired by a thrift shop Buddhist cookbook. It is nice to have the time these days to pick up interesting cookbooks and then try out the different recipes.
I think the biggest difference in where you live goes beyond price to how acceptable the place is. I've tried Aldis, but the ones near me are dirty, gross, the food is often near spoiled or spoiled and most of the meat is frost bitten.. so it may be cheap, but I'm not that desperate to eat it.
I found the same in Chicago until about 2008 when food at Aldis started to improve. While I can go shopping with my parents in Appleton/Green Bay Wi and their Aldis are wonderful and I'd totally shop there all the time if I lived there.
Nice observation. We walked out of a local boutique grocer on Valentines day. Very small cart was half empty. Cost was $150. My remark on the way out was that we could fill two full-size carts at Aldi.When I first started shopping at Aldi's they were all located in 'working class' neighborhoods in the stores that the major chains outgrew. No fresh meat. No credit cards. Clean and well run. Now I can't believe how fancy the new Aldi's stores are. Purpose built with fresh meat prepackaged offsite. Excellent store brands and fresh produce. Aldi's was my goto when we had crumbsnatchers to feed and will be again if I gotta make it on 30k.
I don't actually have a clothing budget. As long as I just maintain my weight, my current clothes work just fine. Food, however, is a fairly big line item in the budget.No food? No clothing? Now that's what I call skimping! :2funy:
As long as ACA stays more or less intact, engineer MAGI to at most 250% of FPL. Not only will that lower your share of the insurance premium, it also gets you cost-sharing reduction for out-of-pocket costs.Medical, of course, would be the biggest uncontrollable expense that would impact us.
As long as ACA stays more or less intact, engineer MAGI to at most 250% of FPL. Not only will that lower your share of the insurance premium, it also gets you cost-sharing reduction for out-of-pocket costs.