Recent content by ceciledian

I began claiming benefits 9 months ago at 63 and now considering withdrawing my claim and restarting later. I have voluntary income tax deductions from my monthly benefit payments. While researching I found that repayment of monthly benefits I received so far also includes voluntary federal...

I e filed on 3/27 and our refund came last week. Last year it took 5 months.

I agree. Last year our valuation went up when the county tinkered with our data - raised the building class and increased our land value. I e-filed a protest and got the total value a little lower but not the data. This May I will go in to protest in person now that Covid has waned.

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Could be PLUS loans on behalf of their children.

We chose to wait until my wee no COLA pension maxes value in 3 years. We planned for when I begin distributions it will be with no survivor benefits but if something happens to me beforehand this allows my husband to get at least 50%. Waiting also allows us to keep the ACA subsidy which is more...

Duluth Minnesota has a ton of breweries for a small city, most of them are dog friendly outside. Bent Paddle, Ursa Minor, Hoops to name a few. But our favorite is up the Superior Lakeshore in Two Harbors Minnesota, Castle Danger Brewery.

Awesome! Happy not to take a hit.

My PCP tested my cholesterol particles years ago and I passed with the big fluffy particles. My ratio has always been good even though my total cholesterol is high and my HDL is kind of ridiculously high. I saw a cardiologist three years ago and he discounted the particle size as an invalid...

I e-filed our simple standard deduction form April 17. IRS acknowledged receipt and status was “processing” or something like that until this morning, hallelujah! I now have a date of August 18 for the bank deposit (plus $2.03 interest!) Interestingly on April 17 I mailed my FILs paper return...

Both sets of parents (depression kids) lived their lives like they were poor even though they were not in their later years. Those values took hold with my DH and I but not all our sibs. So yeah, my husband changes the oil in our cars, fixes everything he can and gets bent when he can’t repair...

My FIL retired at 62 after 40 years as a union machinist. Raised 4 kids with stay at home wife, paid for his kids college, worked insane amounts of OT and saved every penny. His pension was small and they continued to live frugally off pension and SS after retirement not touching savings. He...

Planning on taking the calculator advice: 63 for me and 70 for DH. That also coincides with losing ACA tax credit when DH goes on Medicare.

I do think I’m lucky to have retired early with no debt. It’s a combination of many factors; good health, no kids, parents who instilled value of savings when I was at piggy bank age, a couple decent paying jobs obtained due to knowing someone who knew the hiring manager, marriage to a man with...

The vast majority cannot afford $200/month savings as 42% of workers earn less than $15/hr; 1 in 4 household incomes are under $35k. Using US averages for a single person as an example: 30,000 annual salary less: 5,189 Fed/MN state taxes 12,000 rent one bedroom apartment 4,200 car payment...