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And it does not get anything but harder with age. I am 80 and just today split the skin around my thumb fingernail tying to open the cap on a 1 gallon plastic milk jug. Then it took two little skin colored band-aides (try opening them buggers with one functional hand and the other one bleeding)...

I am 80 plan to live to be 100 (odds are not good to make it). Regardless I use the 5% Rule (personal rule). Plan is to go out like I came in - Broke.

Born 1940, Enlisted 1958 @ E1, Retired 1979 @ W4 21 yrs AD. I could never answer these two questions so I just kept tract of the Retirement number. It will reach $1 Million in a couple of months. Medical is a bit tricker and have never been able to estimate the dollar amount (just know it was...

Did not have to as I could take a credit for the sum of the repayment amount which was the rule at the time. Believe the IRS made the rule since you ware limited to the number of amended returns you could file. Remember, in my case it involved repayments for 5 tax years.

I did about 5 years of "buy back" back about 13 years ago. Went smoothly and now that I am 80 feel it was worth while. Total was about $83K which included some that applied to DW. DW received hers at 62 (and passed at 79 years old). I initially took it at 62 and paid back at approximately 67.5.

Yes, from my experience DW account was closed pretty quickly after her death - I guess it has something to do with the filing of the Death Certificate.

Two pieces of paper to the "new CU": one to establish the accounts (both TIRA and RIRA's), second one to establish beneficiaries for the new accounts. Actually, did this almost 3 months in advance. Accounts are established at new CU with "$0" in them awaiting transfers to coincide with maturity...

Regular CD's. At PFCU go to ACCOUNT ACTIONS then CERTIFICATE OPTIONS. You can set up disposition of the CD at Maturity and/or disposition of the monthly interest (Accrue to send the interest to another Account).

I have over $200K some of which is in 5% (plus almost 10 years of accrued interest) all set to move to NFCU automatically by a PENFED option at maturity. Will let you know if PENFED offers me a deal to leave that $200K there at PENFED. Frankly, doubt it but who knows as I think they will see...

Did at 39, now soon to be 80 (end of Oct 2020). Worked fine 4 kids, all col grads. Could live a long time on what is in the bank.

My buddy is a 5 year old Miniture Double Golden Doodle F1B. He is more commonly known as either Knocklehead or Miki. I have had him since release from the breeder as he was a gift from my kids to "keep Dad busy" after DW passed. By far the best gift I have ever received (and I have owned several...

I feel like I am at the auction, GP and Dad died at 60 thought I would too. But at 60 I was still here then 65, then 70, then 75, then (in 4 months) 80. No major medical problems (too heavy, have had HBP for 40 years, and lots of minor skin cancers) thinking I could go for 85, 90, 95 or 100. I...

21 Years of Army AD, E1 (HS Dropout) to CW4 (College Graduate). Great organization (US Army) lots of opportunity (if taken). In 31 days I will be entering my 42d year of "retirement". BTW Great to "see" you Nords, have followed you for a lot of years.

Last 11 years my taxes Fed and State have been completed, acknowledged by taxing authorities, by the last week of January. Bit OCD about that, maybe.

I assume you did not mean to exclude Widows and Widowers - am I correct?

Completed 2019 on FreeTaxUSA a few days ago (have to wait to file until next week). From the Federal Information completed my State Taxes on the State Site today (could file that today but will wait until the Federal is filed). In both cases it was FREE as in $00.00. BTW FTUSA only charges...

I just did this last Friday. Closed several low rate, low balance, and low time remaining to maturity, NFCU CD's to purchase a single 3.5 5 Year CD at NFCU. Screwed up my ladder but the penalty will at least result in lowering my MAGI so that I should not go up in the IRMAA level for 2019 (in...

And do not forget to deduct the Medicare Part B & D which you never see from your total SS Benefit (after you pay taxes on that premium). But even tho (barring any future cuts in benefit) it is probable your reduction will, at worst, be in the 25-30% neighborhood). I do not see about 25% of the...

FWIW I was a Quicken Fan subsequent to Microsoft Money Deluxe. Was using Quicken for about 10 years (current year versions). Did not like the subscription changes in Quicken (and costs) and as of 1/1/2019 went back to Microsoft Money Plus Deluxe (2004 version). Always manually entered investment...

I have a simple financial life. Made it so to benefit DW but since she passed first, it has benefited myself. I am 78+ and will have to manage it myself for a while. Ultimately may have to hand off management to one DD who is more than capable of handling it.

Must be relying on the "Free everything" movement. Hope not but...………….

I used FREETAXUSA and filed very early (return submitted to FTUSA on 1/2/19 for filing when IRS would accept it). Return accepted by IRS, small Refund received a couple of days ago), and return data is listed on IRS Site. State of OH Return submitted, accepted, and they took the payment...

Penfed has 3.5% APY CD's 5 or 7 year available now. Not very good EWP but IMO better than trying to market one of the Fidelity 3.6% (not sure if that is APY or APR) on the open market.

SS does not initiate calls BUT they do return calls if you are offered the option for a return call when you make a call.

Aussie Shepard only because family member has one and it appears close. Doubt K9 DNA is very accurate for mixed breed dogs. Wonder if a "Pure breed like a AKC certified one" would be more accurate.