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retirement

  1. Blog
    The kitchen renovation is looming large. DH and I rearranged the dining room to make room for the fridge and stove. DH thinks he can just switch the stove outlet around to the dining room for the duration. Hmm... I am hoping the microwave and fridge won't blow the circuit in the dining room...
  2. Blog
    Financial crisis averted. The second opinion on the dental work revealed it was mostly cosmetic and only one area needed a watch on it. Dentist said to come back and see him in 6 months. Financial planner is great! Can't go into details because we signed a confidentiality agreement, but I...
  3. Blog
    We signed the dotted line for the kitchen cabinets and countertop. Total cost will be about $9000, half of which we already put down in a deposit. We also bought a dishwasher and range hood, for $1100. Now all we need to do is buy the backsplash tile and decide on the flooring. August will...
  4. Blog
    Sorry for the long absence everyone. I had a slight problem with my heart over the winter months and now sport a brand new piece of equipment called a pacemaker. I feel much better now. However other areas in my life have suffered. What are we up to these days? We have embarked on a kitchen...
  5. Blog
    It has been a busy month. I have been busy rug hooking for an upcoming sale. I spoke to my accountant about DreamsTime and HubPages and decided not to do them. I am Canadian and would have to file US Income Taxes to get the advantage of a tax treaty between the US and Canada. Filing a US...
  6. Blog
    Planning for retirement can be dicey when there's two of you and you have very different ideas. Enter "The Joy of Retirement" by David Borchard and Patricia Donohoe. Using a very practical question and answer approach, they have couples work separately to fill out lists and grids to mark what...
  7. General Chat
    Ok, so I paid off house and I've dedicated myself to living debt-free lifestyle from now on. Now comes the tricky part: Retirement. I have to admit that I am a big follower of Dave Ramsey, but there is one part that I don't follow him on: Investing. My problem is that I actually don't want...
  8. Third Agers
    We've been giving this a lot of thought lately, even though we have a few years to go before retirement. For us, a new community has to be large enough to provide all the services we need without us having to drive very far to reach them, while at the same time, it has to be small enough for us...
  9. Dave Ramsey
    Hi all! New member here. My wife and I have been fans of Dave for about 4+ years now. We have been doing his plan on and off for the better part of 4 years. We finally got serious early last year and are down to our last $6500.00 worth of debt (vehicle) that should be gone by April! Now...
  10. Debt Reduction & Money Management
    Ok, this might get long, I have been thinking about my dilemma for awhile now and can't seem to come up with a short and sweet way of asking your opinion. So please bare with me. Oh, we loosely follow the Dave Ramsey plan. So a few years ago - after many years of not contributing to a...
  11. Question and Answer
    I was wondering how do you save for your retirement? I have a ING account and a IRA. I am not good about puting money into my IRA at all. I work part time just to get me out of the house for a little while and this gives us our play money. I have often thought of going to work full time since...
  12. Goals and Dreams
    So I just recieved a DR News letter... and boy does it have me thinking: So say I want to retire... um YES and I want to live on $55,000 a year and that is what you are currently making ( you can put what ever # you want) This is taking the following into consideration: No debt: Being and...
  13. Frugal Living
    Okay, guys and gals, I need help. I just received notice a very good friend is having a retirement party in a week. No time for me to make much of anything. I was up to the framer's today to try and get something framed, but he said 'no way' could he do it in a week! He's going away this...
  14. General Chat
    Before I retired,I kept reading about how my needs in retirement would change and it wouldn't cost so much to live. What do you think? If you have retired, do you find that it takes less to live on? If you have not yet retired, do you think that in the future, you'll be able to live on less?
  15. General Chat
    If you think about retirement at all, you might want to use this free retirement calculator at cnnmoney.com. It's one that we used for some time as we tried to decide when and if we could retire early. It begins by asking about your goals, including your current age, desired retirement age...
  16. General Chat
    See here: view-of-retirement-at-107: Personal Finance News from Yahoo! Finance Judi
  17. Dave Ramsey
    I came across this forum while googling for money mangement forums, and was both impressed and inspired by the posts that I read. I don't really have any debt, I just don't have any money. I earn a fairly decent income and am single, so I have recently started thinking about saving money. My...
  18. Dave Ramsey
    My work will let me count 10 years of previous employment towards a pension if I pay in $10K. My question is do I count this as a debt in BS 2, or consider it part of BS 4? It's definitely worth it from an NPV standpoint so it's not an issue of if, but when. I'm eager to get out of BS 2 to...
  19. Dave Ramsey
    I'm reviewing the paperwork needed to start contributing towards a defined benefit plan (yes, benefit not contribution) to start gaining time while I try to get hired full-time as a community college instructor. (I'm currently working as an adjunct at a community college and trying to piece...
  20. Third Agers
    I just read this article on maximizing social security benefits, with strategies for two-career families, families where one person had a much higher income, etc - all kinds of things I did not know about. I'm not quite ready to make use of the information, but I found it very interesting...
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