Recent content by thatguy

Too many unknowns ahead. Will I need LTC? Will we buy into a CCRC someday. Will we still have enough to do some travel. 70k of pensions & SS and I still think new cars and some desirable hotel destinations are too expensive. It's enough to pay my bills and take a couple cheap trips. 42k of SS is...

One receiving RMD and SS can have a younger spouse who's RMD & SS is in the future. DW's age 70 SS & RMD will nearly double our income.

Seems like a lot of HP for 6200 Watts

Finally finished this yesterday. It look a while to get the last part delivery. The 16 year old Bunn A10 is back in service.

DW & I both have 401ks. DW is the sole beneficiary of My 401k. I'm about to figure out how much roth conversion I can do for this year. DW does not yet have a Roth. We can convert hers or mine. It's all gonna be hers anyway. Is there any benefit for DW as the survivor, of converting some of...

Within a few months 1.My bank transferred the servicing of my mortgage to another service provider, whatever it is that they are called. The new service screwed up the rate, which was resolved with a phone call. Apparently this looks like another mortgage on my credit report 2. I was able to...

I'm fixing 2 Bunn coffee makers. One is a A10 commercial style one. It's leaking water and has a blown thermal fuse. I replaced the thermal fuse with one I had on hand but than it leaked water. Ordered a gasket from Amazon, than, after a week, they gave me a shipping date a month away, So I...

Over the years Grainger has often been my best source for parts for HVAC & appliance parts. Capacitors, motors & fans. I even get a discount cus I had worked for a company that bought a lot of stuff from them.

I would pick up a quarter because I can buy a cold bottle of water with it from a vending machine at SamsClub. It's almost worth the quarter to watch the machines robotic mechanism select your bottle and place it in the bin, than open the door.

All this stuff was out of sight, out of mind when I retired at 57. I didn't think much about it til my first RMD at age 70. So than I started doing Roth conversions to use up the 12% bracket, on the other side of the tax torpedo. A few years of that and I realized the conversion amount was a...

I call it 6 legs but a couple legs will fall away when one of us expires. Fortunately we don't need income from all 6 legs at the same time.

The Schwaab RMD Calculator seems to confirm this. Had to play around with the calculator to understand what it was doing. It does seem to use table III if I enter birthdays as if I am the 10y younger spouse.

This might be one of those questions that's so simple you can't find an answer. I get it that there's a different table you get the divisor from if your spouse is 10 years younger, but my DW's spouse, me, is 10 years older. What table does she use? I'm thinking she should use the table for "Your...

Our general cost of living is covered by pension & SS. For us, keeping a small low rate mortgage keeps more cash available to spend. Most of our money is tied up in pre tax accounts. Increasing available cash is a good thing. The payment is <10% of our monthly after tax income. I also see it...

Timeshare hawkers used to be a real annoyance on our winter trips to Florida. They offered free theme park tickets. You couldn't walk into a restaurant without encountering them. We weren't about to waste our time on them. I don't see them so much in recent years.