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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.

It sure seems like a benefit to me to meet some of these financial advisor types as part of a group without sharing any more than contact information, before deciding to sit down for a one on one meeting with one of them and sharing a bunch of financial & personal details.

Trying to capture and relocate woodchucks that keep damaging my cars. Today we could see the trap was sprung. Went out for a closer look. Something had been in it but was strong enough or smart enough to bust it's way out. We relocated 2 of them last year. There's a wooded county park about 5...

At least I don't have to check my account balance before paying a bill. I guess I'm at the bottom of the 90 percentile. Pensions & SS cover our expenses as long as I don't buy a new car. Not sure I could afford a car payment. Maybe I could but I'd have to start being more careful with spending...

Well, we went to the 2nd meeting. He didn't push any products. He put our retirement financial picture on a big computer screen on the wall. We made some alterations to the data. We had him put in some what ifs for a couple LTC scenarios. Seems we have enough money and should be spending more...

There is the whole question about Should I have a Financial Advisor. It's a chance to meet these people and learn something about them without sharing a lot of information. I read these seminar offers and the fine print to screen them out. Most of them hit the trash. Something about the focus of...

Our pensions are not 1/3rd of that $150k but we're at 90%. Adding in home equity does not change my level It 2 years when we add in DWs SS our pensions and both SS won't be $150k

We attended a Financial advisor free dinner 2 years ago. We won the drawing for another free dinner at the session. The guy seemed to be knowledgeable about tax planning and other retirement concerns. Did not seem to be pushing any BS. 2 year later another presentation for the same firm pops up...

I took apart a small toaster oven that was a $5 thrift store purchase. It works but had been smoking a bit. Couldn't find anything wrong except a thin layer of baked on grease on the inside of the case. I tried to wash it off. Much of it was too baked in. I think I got some of it off but the...

We're tall old and a little fat and need to book seats with a little more knee room. I think it was called Economy Plus. Banff is a 4 hour flight from here. I might tolerate a standard seat for 2 hours. Haven't flown since 2018.

We sent our renewal applications registered mail, one day less than 7 weeks ago. No travel plans given. Two new passports arrived today, June 14. I think the estimated time given was like 9 to 13 weeks. We expected mid July. Took 48 days. Not sure when we're going anywhere. They didn't return...