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I read the Wiki about the issue but I can't seem to figure out the Spousal Social Security eligibility. Ex.: Oldest spouse is FRA & is drawing SS. Oldest spouse also has lower SS benefits. Younger spouse is 58 and has the higher SS benefits. Both are not working and drawing pensions. When can th...

Enjoyed the meeting. Thanks for setting it up. Scott Burns was quite informative.

I try to cram one day's worth of 'stuff' into a week. I sometimes achieve it. Actually, I have a pretty set routine for the most part. Lots of working out (gym = 2 X week; running = 5 X week). Involved with a Boy Scouts Venture Crew (co-ed group of youth 14 - 20 yrs of age; meetings, campouts, backp...

That's great. First Rick Ferri. Now Scott Burns. Next, we'll get Taylor or Mel to visit. And eventually, Jack.

An Adventurer and Gentleman of Leisure.

What's interesting about this is that Carl hit the $1M mark AFTER he retired. Many retirees worry about spending down their assets so this is somewhat refreshing... Almost 7 years after I retired. I'm fortunate that both of us have pensions. If we didn't have pensions, we'd obviously be making some...

I remember those days! When we got married, my folks gave us a check for $1,000. We were so happy to have a comma. I was a starving Grad student at the time who worked part-time and had some GI Bill money coming in. Wow, you were rolling in dough! We got $100 from my mother and $100 from her parent...

Could you give a bit more story on how you reached it? Like when did you start saving, average returns, asset allocation? And tell us about your mistakes along the way. We often learn more from our mistakes than our successes. Thank you and best wishes. Taylor I guess the main mistake I made early ...

VictoriaF wrote:Does collecting commas fall under:
- That Frugal Thing You Do ? or
- That Extravagant Thing You Do(*) ?

Victoria

(*) Extravagant as in the 3rd, 4th, etc., commas.

Frugal, for the most part. We do eat out a lot, though. Something we enjoy.

This topic always makes me recall my wife and my days in the no-comma club, and then the intervening 30 years to get to the two comma club. Keeps things in perspective, and helps stay the course. I remember those days! When we got married, my folks gave us a check for $1,000. We were so happy to ha...

Congratulations, that is a great accomplishment! Would you be willing to share more details of how you got there? For example, at what age did you start? How long did it take? Did you get any windfalls, like an inheritance or gifts? I starting saving in earnest in 83. Each time I got a pay raise or...

JPH wrote:Congratulations on this major milestone. Not many have the discipline to stay the course the way you have done. You didn't inherit it, did you?

No major inheritances.

Congratulations!!! You have every right to be proud. Although I'm not in the 2 comma club YET. I paid off my mortgage this year and the emotional satisfaction of hitting these goals are worth all the delayed gratification in the world. I will definitely post when I hit the 2 comma club. The only th...

Don't get too excited about such short-term accomplishments as they can go away just as quickly. Oh, come on! It's a great accomplishment, regardless of whether tomorrow's market takes him slighly below his current level. Reaching 7 figures is a huge milestone for anyone who works for a living. Con...

Re: 2 Comma Club by CarlZ993 » Fri Sep 07, 2012 12:26 pm Congrats! Feels great, doesn't it? http://www.bogleheads.org/forum/viewtopic.php?f=2&t=102330&p=1483258#p1483258 Can I ask, been there before or just knew what it feels like in advance? Regardless, congrats! I haven't been there befor...

Congradulations! :beer Just curious...everyone counts it differently. Some people count home equity, some do not. Some count traditional 401K and traditional Roth, while others discount it for future tax liabilities. Some count 529, some not.... you get the idea. What did you use as your base? I us...

Carl: Thanks to all the learned posters & authors on this forum. And we mustn't overlook our mentor, Jack Bogle, for whom this forum is named. Pat and I frequently say: "We live in our home that Jack built. " Best wishes Taylor Thanks Taylor. I won't. I think I've got every book he wr...

NAVigator wrote:Congratulations!

After your steak dinner, consider opening a bottle of Bogle wine and raising a toast to the person who motivated this forum.

Jerry

Our Bogle wine comes in a cardboard box. Does that count?

At end of market day 1/23/2013, I joined the 'Two Comma Club.' One million dollars. Wow! I was always a saver. I didn't always know exactly what I was doing. But, I kept saving. I learned so much from this forum. It helped me 'Stay the Course' through it all. Thanks to all the learned posters & ...

You don't. You can give advice if you wish. Wise men don't need it... and fools won't heed it.

Don't overlook San Antonio, home of the Air Force Cyber Command (Lackland, AFB). It's another low-cost, lay back tech savvy city with lots to offer and explosive growth. Rick Ferri And then there's Medina, out there in the "real" Texas hill country. Lucky you, Rick. And the famous Apple S...

I've lived in Austin since 1980. I worked for the PD here until my retirement a few years back. So, I've seen the worst Austin has to offer. That being said, I think Austin is a pretty neat place. Lots of outdoor activities available (if you can tolerate the heat) - running, biking, swimming, boatin...

MISCELLANEOUS:
Great Clips: $3 off hair cuts (60+)
Super Cuts: $2 off haircuts (60+)

Won't quite get the discount just yet. If they charged by the volume of hair, I would.

Been to Torres del Paine & Ayers Rock (now called by its Aboriginal name of Uluru). Less language problems in Australia,tho.

Zapped it over to my Kindle. Sweet!

Pre-paid cells phones for us. We use different carriers so one of us will probably have coverage while travelling. Fortunately, we don't use our phones very much. Otherwise, we'd have switch to something else (Straight Talk? Virgin Mobile?). Wife's TracFone = $80/yr. My T-Mobile phone = $100/yr. Eve...

I was there last year for 6 weeks. Landed in Christchurch in Feb and spent a few days there. Left Christchurch a few days before the earthquake. Lucky there. There were people killed all around where we stayed and visited. We rented a Honda Odyssey van and shared it w/ another couple. Didn't get the...

With my granddaughter in the Marine Corp, I was able to join and fund the CD late Saturday night. Thanks for bringing this to my attention. I can't believe that I (and almost everyone else) got excited about a 4% CD. Just a sign of how low savings and CD rates are these days. I was in the Marine Co...

I voted 'No.' But, there needs to be another choice in the voting: I want one but I'm too cheap to get one.

I'll guess I have to make do w/ my dumb T-Mobile pre-paid phone that I pay $100/yr for 1000 minutes (still have minutes left over at the end of the year).

With my granddaughter in the Marine Corp, I was able to join and fund the CD late Saturday night. Thanks for bringing this to my attention. I can't believe that I (and almost everyone else) got excited about a 4% CD. Just a sign of how low savings and CD rates are these days.

#3. DW and I both have pensions from our careers in Law Enforcement. No debt when we retired and a cash flow sufficient to still allow additional savings while maintaining our lifestyle. Life is good!

Congrats! Feels great, doesn't it?

I retired in Jan 2006 at age 51 w/ a pension. Spouse retired Feb 2005 w/ a pension. IRA's (Roth & Rollover IRA from Deferred Comp) have had positive returns every year except 2008 (that year was brutal). Started out at 60/40 stocks/bonds. I let the downturn move us to 50/50 and have stayed there...

The end of June is one of the best times of the year to buy a new car. Dealerships get a bonus for hitting sales numbers at the end of June and December. They are willing to reduce the price to hit their number if they are close. Use the email attack approach to get competition from all local deale...

This sounds similar to the car buying system I've used before: http://www.fightingchance.com/ I test drove several vehicles (Fit & Civic) at a local dealership. I told them that I would shop around and get some quotes. I'd give the dealership an opportunity to meet or beat my best quote (they di...

I've been a Civic owner since 1987. No complaints on them from me. I've owned a Hyundai way back and cursed it regularly. From what I can tell, they're come a long way since then. Never owned a Corolla. My brother in law owns a different Hyundai model that doesn't have a spare tire. Double check to ...

"Buy, hold, & rebalance a diversified portfolio."

I retired in Jan 06 w/ a pension. DW retired in Feb 05 w/ a pension. My written plan for our IRAs was to gradually go from 60/40 (Stocks/Bonds) to 40/60 as time passed. I'm now at 50/50. Not sure when I'll make the next change. I'm comfortable w/ this asset mix. FYI, I'm 57. DW is older.

I have a separate savings account titled 'New Car' @ ING. I put money in it every month. I find it's easier that way. If you combine if with your 'Emergency Fund,' you'd have to create a spreadsheet or something (not too difficult I must admit) to keep track what is the 'Emergency' portion and the '...

1. Hotmail 2. Youtube 3. Google 4. Backpackinglight.com 5. Bogleheads.com 6. Facebook 7. Zpacks.com 8. Fusionknots.com 9. Minibulldesign.com 10. Redwoodoutdoors.com I'm an avid backpacker. Lot's of sites of ultralight backpacking stuff. I know there's a 12-step program somewhere for Gear-a-holics. :)

I'm guessing 3 TDs. I hope it doesn't end up with ERA scores. That would be very intense but boring at the same time. I've watched many championships games in my time. The most exciting was the USC / Texas game in 2006. Lot of the excitement was the scoring back and forth. Decisions being made becau...

I was always one of the youngest kids in my class (born in late Aug). My youngest sister's birthday was even later in Aug. Did that hinder our development? I doubt it. After High School, it did prove interesting to graduate from Army Basic Training on my 18th birthday. Now that was a great birthday ...

Congrats to you and your fine sons!!! I never reached Eagle when I was a Scout. Something I regret to this day. I'm now actively involved in a Boy Scout Venture Crew (for the uninitiated, older youth, 14-20, can be co-ed). The Boy Scouts are a great organization (IMHO). A few years ago, I was an adu...

fishnskiguy wrote:I'm 68 and don't even know how to use the camera on my flip phone.

Chris

I'm in my late 50s and my pay-as-you-go T-Mobile flip phone doesn't even have a camera.

I'm having problems finding the specific form used to purchase paper I-Bonds through a family trust. Can someone refer me the actual form number that I can pull up, fill out, and mail to the Treasury before Oct ends? Thanks... I'm about to pull out what little hair I have trying to find it. The for...

I'm having problems finding the specific form used to purchase paper I-Bonds through a family trust. Can someone refer me the actual form number that I can pull up, fill out, and mail to the Treasury before Oct ends? Thanks... I'm about to pull out what little hair I have trying to find it.

I worked with a bunch of "serial marriage" guys. (Cops are the absolute worst!) You'd think that after losing their pension to the first two wives... that they'd never ask a third!? Nope. They never learn. I still got some money left in an IRA, he says... Bring on number three!! :lol: I r...

Say, 'Yes dear' and get her one.

Thanks for the info.

1. I know you can purchase electronic I-Bonds in a trust. Can you purchase paper bonds in a trust. 2. I wish to purchase a paper I-Bond for two great-grandchildren (8 mo & 4 yrs). What would be the preferred way to register them? Individually only? Listing their mother as a co-owner or beneficia...