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We're retired, both over 65, and living happily off our SS, small pension, and IRA withdrawals as needed. My mother in law passed in August and we're just now getting Edward Jones to move on the distribution of her IRA, and "some other account" (the sister-in-law/executor isn't real generous...

Has anyone had an air cleaner added to their HVAC system? Was it worth it? Did you see any improvement in season allergies, colds, etc? Just had our AC checked and of course they're always trying to sell you the latest and greatest. I'd rather hear from someone who isn't going to get a...

My 30something son is a mechanical engineer, married to another one. They're living their dream aboard their catamaran, bobbing in the Carribean while they telecommute via Star Link. He sent me this text today and am hoping someone here has some resources to share. "Looking for a financial...

Our IRA's are at Vanguard, and I have little to no desire to move them. However, when DH's megacorp 401(k) was with Fidelity, I did enjoy their tools. I have heard you can have a Fidelity account with no money there. Could I just set up a cash management account and never fund it? On that...

I have been unable to e-file using ANY tax software for the past three years. Even though I've retrieved my transcript and the prior year AGI the IRS states is ours and that AGI agrees with their records, I am continually rejected. I've tried several different software options, both paid and...

Interesting new scam. If you don't have pets, Chewy is an online petfood, toy & drug provider for our furry friends. We've used them for years. I'll provide the Cliff notes for those not wanting to read the whole sordid story. Cliff Notes: Some unscrupulous Ebay sellers are selling pet food...

I'm once again using H&R Block software to file our return. I wasn't able to e-file last year because IRS rejected it, saying our AGI didn't match their records. I surrendered and snail mailed it and waited 5 months for our refund. Just to be safe, this year I pulled my 2020 Transcript from...

I've used H&R Block for years (hometown allegiance) and this year is the first problem I've encountered. When I attempted to electronic file, I was unable to because my 2019 AGI didn't match IRS records. When I followed the steps to reconcile with the IRS I got caught in an endless loop of...

Let's get this out of the way: yes, I know I can use navigation on my phone. This is one of my few luddite hangovers. I have a 2014 vehicle with 60K miles on it, and no plans to upgrade for a few more years. It's in great shape (knock on wood). However, the maps are out of date and the...

Is anyone able to sign into their My SSA account? I've been trying for three days and keep getting this message for each of our accounts: We cannot process your request at this time. Please try again later. If you need immediate assistance: please contact us. If anyone has a minute, I'd...

I started my benefit at age 62, and DH began taking a spousal benefit off mine when he reached FRA. When he reaches age 70, will we have to file for his full benefit, or will the SS Gods automatically know to flip that switch?

Seems I have seen a thread on calculating end of year rate of IRA return when you're also making withdrawals. Was it a spreadsheet, or just a simple formula? Search hasn't been any more helpful than my brain. Forgive my aging mind, but if someone would be willing to share I'd be very...

We both got letters yesterday from our General Practitioner. At the end of the year, she'll be starting a 'wellness' practice under the MDVIP umbrella. Concierge medicine, as I've heard some call it. It's $150 a month for each of us. I'm struggling to see the value. DH is on Medicare, and I...

I've been reading much more than usual during Covid days, and began to notice I can barely see the guide on the TV screen - I was attributing this to dry eye from too much reading. Trying to read anything on Netflix is almost impossible. I went to the eye doctor this morning and found out I...

I set up an account early this year the local Community college, just to see what they had to offer on an audit basis. I found a couple of things, but then Covid hit and I decided whatever it was I wanted to learn could wait until I could actually attend in person. This morning I got an email...

Our son has invited us to spend some time on Emerald Isle (NC) next month. We'll be driving from the Midwest, and he REALLY wants us to bring the Boxer, because his Boxer loves our Boxer. :dance: We've never taken him more than a few hours away in the car, and this will be two 9-10 hour days...

I recently saw a template for a downloadable list of things for your family to do after you've kicked the bucket. Like who the executor is, where the money and insurance are, who gets the house and grandma's china that no one wants, etc. It was a Facebook ad, and now, of course, it's nowhere to...

In my copious free time, I'd like to learn more about economics, finance, investing, etc. I see all y'all talking about CAPE ratio, Shiller P/E, Yield Curve, VIX, etc. and while I look these up on Investopedia as I see them, I think I'd like to take a class. I've read many, many personal...

At the recommendation of several here, I've been listening to the "Money for the Rest of Us" podcast, and also bought his new book last month (same name as podcast). He mentions a couple of spreadsheets in the book: https://moneyfortherestofus.com/tools/ and I've been playing with the...

DH has been on Medicare for 1.5 years now, and his Part G Supplement is through Humana. I've been really pleased with how well they've paid. However, about half the time we get these little bills (<$10) from a doc or service provider, even though the Explanation of Benefits (EOB) from Humana...

DH switched his Part D to Wellcare to 1) save on premiums, and 2) his most expensive prescription on Silver Scripts is far less on Wellcare, so we'll be saving about $700 this year, if he has no new health issues. It appears Wellcare is highly disorganized, which is making me question our...

Just got off the phone with "Rick" at Sirius XM after I noticed my monthly rate jumped from $6.95 to $21.95. He assured me I was talking to the right person and he was well equipped to help me with my problem. :laugh: We have two vehicles with Sirius subscriptions, and I got my rate down to...

I've searched prior threads, looked on Investopedi, Google, and the IRS website, and am now totally confused. Do Roth conversions have to be done by 12/31, or is it 60 days after IRA withdrawal (regardless of when the tax year falls), or is it April 15? Thanks. This is my maiden Roth...

Over a decade ago, I bought some stoneware dishes from QVC (Temptations). I love them, but their weight is bothering my arthritic hands when loading and unloading the dishwasher. Plus the dinner plates are horribly chipped. The bowls and salad plates are in great shape. I'm thinking of...

I switched my cell service from AT&T yesterday and am now with Comcast (via Verizon) for $13 a month. :dance: I'm thinking of keeping the old phone, but don't want to pay for monthly service as it will rarely be used. Just a back up, just in case... I just want it to have a phone number, and...