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As far as I can tell, no one who is on Social Security can e-file their federal income taxes until IRS finals the Social Security Worksheet form 915. I don't know of any changes from last year, and last year they also were slow to release this form. Are they waiting on congress for some...

I got a letter from the attorney that set up our Revocable Living Trust, signed by us, a married couple, between 1981 and 2013, was an AB or ABC trust and WAS the gold standard. However, 2013 Tax Laws changed, and we should consider striking these provisions from the Estate Plan. Condensed, it...

Hello all, I'm actually asking for my brother. He is 57 years old, retired 2 years and realizes he has much more income than he needs. Both he and wife have very nice pensions, his around $5,000 a month, hers around $4,000 a month. She also gets SS based on an injury of around $2,000 a month...

I started drawing my SS at age 62 because I figured I would rather have the cash now while young enough to enjoy rather than later when I wasn't able to recreate as much. I'm turning 64 in October. The plan was for my wife to file at her FRA in 3 years and get 50% of my PIA which will get her...

I recently sold an off road motorcycle in the local craigs list here in California. The buyer paid with cash and the only paperwork filled out was the Pink Slip, AKA the title. Attached to the title was a form I mailed in to the DMV in order to clear myself of any liability in case said...

As the title says, total out of pocket cost is zero dollars to have up to 2 PW2's installed including all permits, taxes, etc. The program is called SGIP (Self Generation Incentive Program) funded by the CPUC (California Public Utilities Commission). The purpose is to promote distributed energy...

I am almost 63, retired at 56 and have health care coverage under my employer I retired under. I currently pay $107 a month through a pension deduction for my and DW's medical coverage. It's a very good coverage with $20 copays for Dr. visits and prescriptions. Out of pocket costs have...

With the feds looking to lower rates this week, I am sitting on some cash, waiting for a time to put it back into play. I would imagine the market will look favorable on the fed action and it might be a good time to move on this. Any thoughts? It's not exactly timing the market, just looking...

So like the title says, what are you hoping to score on Black Friday sales? I'm hoping to get a weather station at a discounted rate. This one; https://www.acurite.com/acurite-atlastm-weather-station-with-lightning-detection.html It's already cheaper on Amazon than their own website...

I've been disappointed in my IRA performance over the past year, allowing Fidelity to manage my portfolio. Not including their fee of 1% of the fund's total value annually, I'm down -1.1% for the past year and down a whopping -3.3% YTD. During the same time periods, a 60/40 blend of S&P 500...

My dad, widowed and living with me, has mild Alzheimers/Dementia. He's been living here with me for about a year and a half. A victim of elder abuse regarding his finances, he had maybe $5,000 in cash when I took him in. He wasn't diagnosed at the time and resented anyone telling him how he...

Hi all and thanks for all the past help. I've a new question. Actually, I just want to be sure I understand SS rules as they apply to my and DW's situation. So, here goes; I am turning 62 in October of this year, 2018. DW will be 62 in February of next year, 2019. I've paid max SS for over...

My son, who is 38 years old, is a dean at a private Christian university in California. They recently implemented a match fund 401K plan and he was told he could opt out of paying into Social Security. When he told me, I said he really needs to think this through before making that sort of...

Recent discussions on a photovoltaic thread brought up an interesting branch of discussion dealing with energy cost savings dealing with LED light bulbs for the home. I've added a lot of LED's in my RV and it saves me on my battery loads when camping off-grid. I've wanted to pull the trigger...

My electric utility costs over the next 25 years; If I continue to use the same amount of electricity and the rates continue to climb an average of 7% annually, then at the end of 25 years, I will have paid out $101,491 to the utility company if I do nothing. If I take a net $12,890 and...