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    Who Is Your Role Model for Retirement?

    Robbie B:dance::dance::dance:
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    San Antonio/Austin this December?

    Well don't rule out San Antonio! The Riverwalk is all lite up at Christmas, along with the Van Gogh Immersive (may be sold out) and the Botanical Garden Lightscapes. If its in your budget, The Emma hotel is a treat any time of year along with all the stunning restaurants at the Pearl, too many...
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    Why am I struggling? - Social Security Question

    I'll chime in from a different viewpoint. Like most on here, I've been very frugal my whole life and had a hard time blowing that dough (RobbieB) thanks! But once we started getting our SS check (we took one at 64 and letting the other grow) I've been able to loosen up on being so fretty about...
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    Moving to San Antonio, TX

    ME!!!! We live in New Braunfels!! Yes, everything you have read so far is correct. It is exploding in population and house prices are booming up. They announced another large development this week on top of the 5,000 home Veramendi project going on right now. We moved here about 14 years ago...
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    Thanksgiving Dinner for two

    Cornish hens—the saddest turkey ever! But we are stuffing w Boudin having Gumbo, corn macque choux and pecan pie.
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    The money wasted on crap....

    Darling hubby says if I can’t take it to Independent Living I don’t need it!
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    What is one everyday thing you think is THRIFTY, but your friends/family think is CHE

    I make my own yogurt using a half gallon of milk and my crock pot. Super easy and good. I got tired of the cost and the waste of the plastic yogurt cups. I camp! and sometimes camp on a road trip instead of a hotel, even for just a night, throw the tent up and sleep or I've even slept in the...
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    Method to redeem credit card cash back

    Mine goes into my secret slush fund that I use for non hubby approved purchases. Mostly travel or ukuleles....
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    Spouse going from marketplace to medicare ???

    I did this last year - it did not go well. I called in November to have the effective date of Dec 1 for hubbys medicare. I was told that I could not call in early, that I must call Nov 30. I called Nov 30, they said I had to call Dec 1st. I called Dec 1st and they said I should have called...
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    Am I missing something about Medicare costs?

    Don't forget the shocking price of dental work! And there doesn't seem to be any insurance coverage available for dental implants and crowns. I thought my teeth were in pretty good shape until I cracked a crown, its going to cost $5k to replace
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    December 2020 - Where would you go ?

    For my 60th we recreated Jerry Jeff Walkers Belize album, sitting in the old deck chair, walking underneath the stars....
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    Advice from experienced retirees welcome

    From DH. Don’t buy anything that you can’t take to Independent Living!
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    Mother-in-law Advice

    My friend and I were just having this discussion today! We have both found it best to almost act like a stranger/guest at our daughters houses. It seems best for us to stay neutral on any housecleaning/decorating/shopping etc. If you want us to do something, just ask, mostly we don't want to...
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    Decluttering, what sells, what doesn't (and things I'll never buy new again)

    And jewelry - yikes, I've got a set of pearls, don't get me started on what I've been offered.....>:(
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    Delicious, Healthy Foods

    Those little cutie/halo tangerines Clif Chocolate ZBars Fiber one haystacks super easy Salmon and sweet potatoes
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    A real quandary....how to spend it all

    Hey I adore my little sailboat. It's the joy of my retirement life and I get to sail several times a week I also suggest buying really good ukuleles!
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    Medicare Supplements

    We just went thru picking a supplement and chose Plan N which was cheaper but a possible $20 doctor copay. And all these Plans cost varies between providers. It's tough trying to compare the various plan costs between various providers.
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    Federal Tax Cuts Delivered for us - your experience?

    We really managed our income this year to stay under the ACA threshold, and take advantage of tax free capital gains. We are in a no tax state. I'm still playing with the amount that I can put into our HSA by April 15th. As DH went on Medicare last December and I will go on this December, our...
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    Contemplating divorce.....

    Oh my. Don't discount the effects of empty nest and menopause. It can be brutal and definitely cause the 90% down and lack of passion. And can last years. Sometimes you just have to hang in there until things balance out. But at the same time, love is either there or it's not. She may be...
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    How much do you spend on Groceries?

    Oh no. Oh noooo! I let DH do all the grocery shopping and all the cooking. We eat well, I guess really well. I just did our November YTD. We have been spending $964 which includes a lot of wine from the grocery store, and all household items, we shop at HEB. But then spent another $341 at...
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    Bronze Plan plus HSA?

    Don’t forget that the amount you put into your HSA also lowers your income, which increases the ACA subsidy. For us it was a no brainer as we are low healthcare users. DH goes on Medicare in Dec and we can use HSA to pay premiums with tax free HSA funds that have been invested the past three...
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    Embezzlement

    Boy I've seen a lot of fraud in my days as an auditor, and now I am in a situation where I've started as a treasurer to a non profit that gets a lot of cash donations off the street. I'm really worried about how to protect not only the cash, but myself as there are no real controls on the...
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    Galveston For Christmas

    Was in Rockport and Port A two weeks ago. Most everything that is going to be rebuilt is done with Rockport just a bit behind Port A. Some houses are still being remodeled but it wouldn’t stop me from going.
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    Hurricane Michael

    Really!!! Dang it, every trip I've taken this year has been marred by weather. I'm planning to fly to Panama City Friday, and stay on a boat at the marina for the Strummin Man Ukulele Festival. But big picture thinking, guess a ukulele festival isn't that high crisis priority......
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    WATERCRAFT - no motors

    I'm headed out to Canyon Lake in about 10 minutes. I sail there several times a week on my beloved Capri 18. I have it in a slip, and use a trolling motor to back it out. I NEVER thought I would own a boat, but got involved with women's sailing classes after I retired and now its my happy place...
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