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I have been doing our taxes manually for years and mailing in our returns with return receipt. Last year they received our filing and cashed our check. A few months later they contacted us and said they didn’t get our return. I made a copy and resent. I’ve already completed our taxes and we...

Sanity check. DH is taking care of finances for his parents that are in Assisted Living. They typically file 1040 SR without deductions. However, this year they will be able to deduct a portion of their donations. I had read $300 for singles and $600 for married filing jointly. I checked IRS...

Interested in other’s thoughts: Earlier this year I finally pulled the trigger and rolled my 401k from former employer to my Vanguard IRA. I moved the $ into Wellesley and left some in MM settlement fund until I could figure out next steps. I feel like it may be time to reallocate with a new...

Contemplating the option of a SS buyback. I will be 63 in January, so still within the 12 month window. I have the cash to do the payback. Has anyone been through the process? If so, how did it go? Thanks!

I have a friend that recently attended a retirement workshop for federal employees. His wife works for the FDA and they plan to retire in 2018. She has a TSP (401k). The presentation recommended rolling the TSP 401k into an IRA. His main concerns for converting are the tax deferred transfer...

Just want to share in case anyone else may have a similar situation. Recently applied online for an Alaska Airlines CC thru BofA. We had placed freezes" on our credit with the three agencies last year so I expected a bit of a hassle. About 2 weeks after applying, I received a letter from...

I finally sat down and set up a credit freeze for DH and I using the Clark guide many of you recommended. The process went well for Transunion and Experian. Exquifax was a different experience. After entering all information including CC information, there was an error at the final step for...

Within the past two months, DH retired and we sold our primary home and have relocated to our retirement home. We don't expect to be opening any new accounts. We just provided a ton of personal information for the title change and bank account information for the wire transfer due to home...

So, DH retired from USPS this month and we also listed our primary home on the market. He celebrated with a week of golf in Palm Springs with some buddies. Meanwhile, House has sold pending the VA appraisal with a tentative close date of 6/24. Our home on The island will be our primary...

DH and I will be listing our primary home and relocating to our vacation home. We purchased the home back in 1986 for $85k. We refinanced a couple of times. Once to do a remodel of kitchen and most recently in 2011 to help build our vacation home. We currently owe $192k on mortgage and our...

DH submitted his paperwork yesterday to retire from USPS on 5/12. He leaves the next day for his semi-annual golf trip with "the guys". He keeps saying he wants to fast forward to 5/12. I caution him not to wish his life away as the date will soon be here. I retired in August 2014 and have...

Just received an offer from Fisher Investments for a free copy of "The Eight Biggest Mistakes Investors Make" and "Annuity Basics: Things To Consider Before Buying An Annuity". Their pitch is that I find value in these guides that I will want to do business with them...as long as I have at...

I'm pulling together my information in preparation for doing 2015 taxes. I started a 72t in 2015 and received a 1099-R from Vanguard for the distribution. I opted to have 10% tax withheld which they show in Box 4. However, they have distribution code 01 in Box 7 (early distribution, no...

Happy New Year! This will be a great year as DH will retire in May! He just received the package of paperwork he needs to fill out and submit to retire from the post office (letter carrier for 30 years - FERS) We need to decide if he should have fed taxes withheld from his payments? My first...

DH and I plan to sell our primary home next spring. The house was built in 1958, was the home DH was raised in. It is a 3BR/2B and 2100 sq. feet. We bought it from his parents in 1986. We finished the downstairs adding the 2nd bath and updated the kitchen about 15 years ago, but know it will...

Last day on Maui and backed into a plastic coated chain (couldn't see in rear view mirror). No dents or significant damage, but there are white scuffs on silver bumper from plastic coating. I'm concerned about how National will bill me for the damage. I contacted VISA and they will send me a...

Beautiful Day To Get Out In The Kayak Sent from my iPhone using Early Retirement Forum

I leave for Kauai in 25 days to backpack to the Napali Coast and to do some day hikes (will be there for 1 week). Then on to Maui for a week and will backpack the Sliding Sands Trail inside the crater (and some day hikes). I've been doing backpacking and hikes as well as fitness classes the...

In mid-August DD accepted a position with a different company. It is a promotion that offers her increase in pay, benefits and continued growth in skills and pay. She worked for her former employer (family owned/operated) for nine years. The past five years she has managed their office in...

Like many of you I planned and prepared for ER. Part of that plan was to purchase a vehicle that would allow me to participate in my hobbies (kayaking, hiking, cycling, golf, etc.). So, I researched and purchased a Subaru Outback before I retired. It has been great and gets me where I want to...

DH is still working until 6/2016, but I retired on 8/1/2014. So, I have experienced a year of ER (retired on 8/1/15 at 56 YO). I retired about 18 months early so I could take care of my Mom. It was a great decision as my Mom passed away unexpectedly 30 days after I retired. I was her...

DH has just gone into surgery to replace his ICD and lead replaced. The original was implanted 7 years ago when he was 50. We are all hoping the new and improved unit will allow a bit more flexibility and allow mild exercise. We had so many plans for a very active retirement. At least he...

DD and I are headed to Ireland for two weeks (6/17-6/30). We will spend a few days in Dublin, then rent a car and head to the coast. We will be staying in B&Bs with some activities planned (biking on Inishmore Island, kayaking in Liscannor Bay and I will climb Carrountoohil). Lots of time...

I have acquaintances that I stay in contact with via FB. Two are female around 40ish. They post on FB about being broke and living paycheck to paycheck. Then the following week will post about a trip, or new toy or pet or new tattoo. One posted a couple of weeks ago asking FB friends for...

DH and I have AMEX cards through Costco membership. We recently changed our mailing address to our future retirement home (I spend about 60% of my time there). I tried to change the mailing address for AMEX cards online, but got a message that we needed to call to change our mailing address...