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We applied for a Heloc last summer and were upfront about our retirement status. Since we were applying with our local credit union, they had access to a snapshot of our automatic pension deposits, as well as records of deposits from retirement accounts, so we were approved without much further...

I am a prime member and like the expediency of the service. I have found, however, that if I order an item and arrange for it to arrive at my sister's house, which is 1 mile from my house in Jacksonville, FL, I will receive the item one or two days earlier, than if I have it delivered to my...

My husband retired from medicine in early 2014. He has continued to accumulate CME's to remain current on his state license and to qualify for the boards in 2018, though he has not yet decided whether he wants to sit for the exam. After 55 years of schooling and hard work, he is happy to be free...

Under ACA last year, we paid an astonishingly low monthly premium of $78 for ourselves (54 and 63) and 24 year old daughter. It was for a Bronze HSA with a $13k family deductible/$6.5k individual deductible. This year, that same plan has a monthly premium of $378 for just ourselves. We did meet...

We bought a Logitech Sqeezebox a few years back and use it in the kitchen. I think it has since been discontinued, but I see a similar model by Grace on Amazon. There are only 6 presets on the face of the radio, and the sound is decent for our purposes. Our model did not come with a remote...

We bought one of these last summer, and I am happy with it. Mechanical controls, I can lift the top and stop the machine easily, it doesn't smell. And....it was manufactured in Ripon, Wisconsin!

Your 300 count sheets are probably percale sheets. It's difficult to find percale sheets anymore. I've seen them on Overstock occasionally, and Kohls used to sell Canon percale sheets. A high thread count doesn't necessarily translate into better wearability or quality in sheets. I avoid...

We opted for the annuity over a lump sum for a number of reasons: The lump sum was a modest amount, and by using the Immediate Annuities website, we could see that the monthly payout amount that the company offered was better than what could be purchased on the open market. The pension payment...

I joined Nextdoor in our down south neighborhood this year, as well as in our Midwest neighborhood. I think the utility of the app depends upon the size of the city in which one lives. Up north, we live in a town of ~65k people. There are not any other Nextdoorers within a mile of where we live...

I listened to an Onpoint WBUR podcast during my walk this morning during which Neal Gabler discussed his plight: http://onpoint.wbur.org/2016/04/27/middle-class-and-cash-poor He did not really discuss how he ended up cash poor, and he seemed to appreciate the comments of the few callers who...

I got a 33, hubby got a 37, even though he is more highly educated than I am.and his parents came out of the middle class and mine grew up poor. His score reflected his love of action movies?

We had the Honeywell wifi thermostat installed December 2014 in our up north house, and it has worked well, no problems with the wifi disconnecting.

We are planning to do the same in a day or two, just now getting ready to fly out to San Diego with our bike to begin our ride over to Tecate (crossing at Tijuana looked too overwhelming, plus, we were concerned we might not be able to get the tandem through the turnstile). I think I remember...

I'd like to put in a little plug for the USPS. We don't seem to have delivery problems like some of the posters here. In fact, I can recall only one instance in my 35 years of adult life when a bill I mailed got lost in the mail. I think it's terrific that Amazon has partnered with the...

Pretty sure I'm the odd one here. I use a budget book and write everything in by hand every week or so: http://www.amazon.com/Dome-7-5-Inch-Simplified-Budget-840/dp/B004E3KILK/ref=sr_1_1?ie=UTF8&qid=1454355983&sr=8-1&keywords=budget+book Only started doing it about ten years ago, so I don't...

This seems inappropriate behavior to me, and brings to mind a story my husband, a retired family practice physician for an HMO, told me about a colleague of his who was reprimanded by administration for pitching Amway to his patients during exams. Is your physician part of a group?

I'm probably an outlier. I admire people who are frugal. Visiting with friends whose thermostat was turned down wouldn't bother me in the least. I understand the "hobby" nature of reducing expenses. It's an intellectual exercise and a personal challenge to some people, and it holds appeal for...

You are a good sibling.

Not sure how it's done in Georgia, but in Wisconsin, we have a part year resident tax form for people who split their time between WI and another state. This form also applies to people who move to WI mid year and need to account for income. Try this...

Papa bear, there are plenty of families that don't fight over assets when an estate is being settled. My father's estate was settled fairly and equitably among myself and five siblings with little to no drama, and my Dad made a point of talking about finances and his net worth to all of us all...

DH's uncle was the trustee for the grandparent's trust. The uncle and DH's mother were the only children. The trust was written for half of the assets to pass to the grandchildren if DH's mother predeceased the grandparents. DH's mother died from complications of Parkinson's several years...

Terrific site and well written!

Marko, that's a very nice radiator cover. We have old radiators in our house and all are exposed. I have always wondered if covers would cut down on the warmth that old radiators provide?

I make wool socks on a circular sock machine. I have one antique machine and one newly manufactured machine. I mostly make them as gifts and sell a few pairs a month at a local craft shop.

I mounted a manual coffee grinder in our kitchen after considering and rejecting the purchase of a $300 electric grinder. This article changed my mind: http://www.home-barista.com/grinders/spong-coffee-mills-grinder-for-23rd-century-t16165.html I found a knock off Spong on eBay, a "Mimosa,"...