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Re: SS benfit question - May/December couple

They are very similar situations. In both, we know she is going to eventually be a widow and collect your $$$? (you said your PIA was $2086, but you didn't say if you started early and are collecting less or started after FRA and are collecting more). For now, let's assume you started at FRA so you...
by Hexdump
Sun Jul 20, 2014 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: SS benefit question - May/December couple
Replies: 15
Views: 1369

Re: SS benfit question - May/December couple

They are very similar situations. In both, we know she is going to eventually be a widow and collect your $$$? (you said your PIA was $2086, but you didn't say if you started early and are collecting less or started after FRA and are collecting more). For now, let's assume you started at FRA so you...
by Hexdump
Sat Jul 19, 2014 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: SS benefit question - May/December couple
Replies: 15
Views: 1369

Re: SS benfit question - May/December couple

Thank you again, sscritic, for running the numbers for me. This gives me a lot of information to work from in my planning. And, steve_14, excellent article - thank you for posting the link! I add my thanks to Steve_14 and sscritic for these explanations and examples. That is a quite good reference ...
by Hexdump
Fri Jul 18, 2014 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: SS benefit question - May/December couple
Replies: 15
Views: 1369

Re: boglehead botanists...is this poison ivy?

Another vote for nettle. It is certainly not poison ivy. Looks like nettle or possibly sesame leaves. Put some gloves on and crumble one and see if it smells like licorice. If you live near some Korean or other Asian families, they grow sesame plants quite a lot and it spreads like crazy. http://ww...
by Hexdump
Wed Jul 16, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: boglehead botanists...is this poison ivy?
Replies: 32
Views: 2440

Re: Spouse Benefit - Social Security

Guys, I hope what you are saying is true but from at least 3 sites it seems to be not so, including SSA.GOV Here is one: =========================== Your spouse's Social Security income is the greater of: the benefit based on his or her own covered earnings, or a benefit based on up to half of the p...
by Hexdump
Tue Jul 15, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2024

Re: Spouse Benefit - Social Security

If your wife files for her retirement benefit at age 62 and you have already filed for your retirement benefit (thereby making her eligible for a spousal benefit as well), she will automatically be deemed to have filed for her spousal benefit at that time as well. The amount she would get would be:...
by Hexdump
Sat Jul 12, 2014 8:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Spouse Benefit - Social Security
Replies: 14
Views: 2024

Munchies ?

I need some suggestions for stuff to munch on when reading or engrossed in a film. I have been using carrot sticks, celery sticks, apple slices, etc. but would prefer something more in the potato chip or cracker style. If I could, I would make it potato chips in all their various flavors and texture...
by Hexdump
Wed Jul 09, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Munchies ?
Replies: 22
Views: 2056

Re: How are you doing through the first half of 2014?

Not annualized and from 12/31/2013 until 7/7/2014 so slightly more than 1/2 of the year.
7.18 % including the house.
7.47 % if I exclude the house.
All are gains and no contributions.

YAY, Wellesley and I'll take it as long as I can get it.
by Hexdump
Tue Jul 08, 2014 7:42 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9311

Re: I am looking to switch IP providers.

Something that is causing me to postpone or not do this is that I have tons of registrations using my ATT email address. Has anyone any suggestions as to how to make that less painful ? Have you tried to call in to AT&T Uverse to see if you can get another discount? They may give you something ...
by Hexdump
Thu Jul 03, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 883

Re: I found a new coffee.

Thanks for the suggestion for Red Diamond Coffee. Here's how I brew: Take one of these cones, put in a #2 filter (I use Melitta), put the coffee in the filter, set the filter on a really big travel mug, pour nearly boiling water slowly over the coffee. I make 2 cups at a time. I use finely ground c...
by Hexdump
Thu Jul 03, 2014 8:13 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5235

Re: I am looking to switch IP providers.

Something that is causing me to postpone or not do this is that I have tons of registrations using my ATT email address.

Has anyone any suggestions as to how to make that less painful ?
by Hexdump
Thu Jul 03, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 883

Re: I am looking to switch IP providers.

i have att dsl with 5mb download. i switched to comcast with 25mb download (i get 26-27). att plays netflix perfectly. comcast constantly buffers, streaming video is impossible to watch. i've tried everything so far except buying a new modem and getting rid of the rental. thats my next step. my adv...
by Hexdump
Thu Jul 03, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 883

Re: I am looking to switch IP providers.

i have att dsl with 5mb download. i switched to comcast with 25mb download (i get 26-27). att plays netflix perfectly. comcast constantly buffers, streaming video is impossible to watch. i've tried everything so far except buying a new modem and getting rid of the rental. thats my next step. my adv...
by Hexdump
Thu Jul 03, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 883

I am looking to switch IP providers.

I habe ATT Uverse now, the Max package. 12mb down 1.5 up for $56. A discount just expired and before the cost was $45.00 Looking around I see Comcast/Xfinity has this plan. 25mb down 5mb up for $29.99 for 1 year, whereas $39.99 seems to be the regular price. This is with me providing the modem/route...
by Hexdump
Wed Jul 02, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 883

I found a new coffee.

We were on vacation in Destin FL and had just finished dinner and we were sipping coffee. I liked it so much that I asked the server to find out what it was. Surprisingly, it turned out to be one that is available at Walmart in the giant economy can. The name is Red Diamond and I highly recommend it...
by Hexdump
Wed Jul 02, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5235

Re: I am thinking of buying Ooma or Magicjack need help deci

I have had both and abandoned MJ in favor of OOma. At the time that I was using MJ it required a PC to be able to run, so either use your PC or have it run on a cheap netbook or some such. Of course if you adopt the separate PC solution then you also need virus prevention, etc. MJ dropped a lot of c...
by Hexdump
Wed Jul 02, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2946

Re: How many Bogleheads golf?

I just started it. My wife and I committed to learning together when we were both retired and here we are. I am 74 and she is 57 and neither of us had played before. We took about 8 lessons and now it's practice, practice, practice. I have yet to play a course but she has played a total of 36 holes....
by Hexdump
Tue Jul 01, 2014 9:05 am
 
Forum: Personal Consumer Issues
Topic: How many Bogleheads golf?
Replies: 81
Views: 4295

Florida/Orlando vacation

We will be in Atlanta in mid June and have decided to turn the weekend into a 2 week+ vacation. A few of our friends have said that there are a lot of things to do and see around Orlando. However the magic of the magic kingdom is not something that really appeals to us since we are older (60, 75), a...
by Hexdump
Wed May 28, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Florida/Orlando vacation
Replies: 5
Views: 596

A golf range finder ?

Brand new golfer here, me and the missus and we would like to buy an entry level rangefinder, say $50.00 max.

Any recommendations ?

thanks
by Hexdump
Wed May 28, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: A golf range finder ?
Replies: 5
Views: 436

Re: Spending in first year of retirement

... More time off for dining out which we like to do plus mini vacations on the weekends. New fitness wardrobe for the missus plus membership at a gym. […] All in all, it's worth it though. As I read this, Hexdump, I wondered why all that was not part of your expenses well before retirement. If it ...
by Hexdump
Wed May 28, 2014 8:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending in first year of retirement
Replies: 8
Views: 1024

Re: Spending in first year of retirement

This is my wifes 1st year being retired whereas I have been retired about 10 years. The 1st year of her retirement has been a lot more expensive than projected because of a few things. We both wanted to learn golf and equipping for that was expensive as were the other fees. More time off for dining ...
by Hexdump
Wed May 28, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Spending in first year of retirement
Replies: 8
Views: 1024

Re: New water heater needed - local plumber or Home Depot, L

I went with a local handyman that I had used before. I bought the water heater myself and had it delivered and he installed it. I think that it was $50.00 and I would have paid more. It had to be installed in the attic of a 2 story house. He earned his $$$ that day. Oh yeah, I didn't know it but he ...
by Hexdump
Wed May 28, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4237

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

Is the touchscreen important and the smaller screen would give me fits.

We just bought a Dell for about $350 and it works well.
http://www.amazon.com/gp/product/B00HRLSSKO/ref=oh_details_o00_s00_i00?ie=UTF8&psc=1
by Hexdump
Wed May 28, 2014 7:28 am
 
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 483

Re: Netflix vs Amazon Prime?

We had Hulu+ and just got Amazon prime and cancelled Hulu. The free 2 day shipping was the tipping point plus, if you have a Kindle, they have a once-a-month, lending library. One other service that we tried last night that is not mentioned here is Vudu. It is a pay per view so no subscription plus ...
by Hexdump
Mon May 26, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 2442

Re: Social Security at 62? Let’s Run the Numbers

Hexdump, determining the best SS strategy for couples requires the analysis of a combination of factors that affects the calculation, not the least of which is the relative ages of the prospective SS recipients. I think I looked at MaximizeMySocialSecurity few years back and it seemed pretty good. ...
by Hexdump
Thu May 22, 2014 7:22 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7385

Re: cable cutting questions

Hi: For those of you who cut cable did you have both Tivo and Hulu Plus or one of them. I am trying to understand why I should keep either of them or both. I don't want to store the shows on media center pc or apple tv. Thanks We had Hulu Plus and abandoned it for Amazon Prime. As a hobby, I also p...
by Hexdump
Thu May 22, 2014 7:09 am
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 4949

Re: Social Security at 62? Let’s Run the Numbers

Further to my post re my confusion about what MaximizyMySocialSecurity recommends and what I am reading here. I am 74, DW is 57 and her numbers are: PIA $1,251 Early $922 Spousal is less than $922 Their recommendation was for DW to take early SS at 62. What seems odd to me is that they do not take o...
by Hexdump
Thu May 22, 2014 6:59 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7385

Re: What Book Are You Currently Reading? Part V

Pliny the Younger letters. I watched a movie titled Pompei the other night and it stunk. The special effects were pretty good but the story was trite and the acting by Keifer Sutherland was abysmal. But at the end of the movie there was a quote from Pliny about what happened in Pompei and I wanted t...
by Hexdump
Mon May 19, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3099
Views: 996560

Re: Social Security at 62? Let’s Run the Numbers

I think the numbers are,: For a single male it's a break even thing to delay claiming SS. For a couple, it's a very good deal (because of the higher joint life expectancy). For a couple who both have SS entitlements, it's a great deal because one can delay while the other claims. For the couple whe...
by Hexdump
Mon May 19, 2014 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7385

Re: Getting Married! Is my plan still our plan?

My wife is 17 years my junior so it's likely that I will pass before her.
We have been married 30+ years so I guess that she is gonna keep me.
Anyhow, I consider any financial decisions as it being all her portfolio and that I am just a kept man. So to speak. :D
by Hexdump
Sun May 11, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting Married! Is my plan still our plan?
Replies: 17
Views: 1887

Re: Purchasing first smartphone, need advice

Further to Airvoice, yesterday when I was actually making the switch, I had read that if you exceed the data limit that you will have to call them to increase the limit and that your data will be shut off. That's a deal breaker for me. We went with AIO instead and the porting of the number was pain...
by Hexdump
Sun May 11, 2014 9:25 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4074

Re: Purchasing first smartphone, need advice

Further to Airvoice, yesterday when I was actually making the switch, I had read that if you exceed the data limit that you will have to call them to increase the limit and that your data will be shut off. That's a deal breaker for me. We went with AIO instead and the porting of the number was painl...
by Hexdump
Sat May 10, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4074

Re: What is the best all-inclusive resort you have ever visi

I opened this discussion with my wife, trying to fathom what her preferences are and lo, they are not beaches.
She prefers trail walks with beautiful scenery and stuff to see.
So hiking trails are important, preferably on flat terrain.
Any suggestions ?
by Hexdump
Thu May 08, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5360

How do you determine your HSA mix of investments ?

Our HSA account balance is getting to the point where I am thinking about where it is invested. Presently it is invested 100% in a money market fund, T. Rowe Price (TRP) I think. What I was thinking of doing was keeping the investment in TRP for an amount equal to what I estimate the medical bills w...
by Hexdump
Thu May 08, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you determine your HSA mix of investments ?
Replies: 7
Views: 556

Re: Term life vs Whole life

How old is your SIL? Why does she need life insurance at all at this stage of life? Hear, hear! It's not for her but for her husband. I no longer have a policy but had bought a 20 year term life policy in the amount of our mortgage and I just let it lapse . Interestingly, I just got a renewal notic...
by Hexdump
Wed May 07, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2529

Term life vs Whole life

I am not a fan of Whole Life and my Sister in Law called last night, talking to her sister and the topic came up. She wanted to know what I had, me being a 74 year old male, non smoker. I advised her to disregard the Whole life in favor of the term life and when she asked why, I was stumped. I was a...
by Hexdump
Tue May 06, 2014 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Term life vs Whole life
Replies: 28
Views: 2529

Re: Purchasing first smartphone, need advice

I just called them and it's 500mb. She says that they are still working on their plans, so maybe more goodies are coming our way.
by Hexdump
Sun May 04, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4074

Re: 2014 proforma tax return

Those are very good resources folks, thanks again.
by Hexdump
Sun May 04, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 proforma tax return
Replies: 8
Views: 697

Re: Purchasing first smartphone, need advice

I checked the AirVoice webpage and was surprised that their $30/month plan now has 100Mb data. Not that long ago it was 500Mb, so they've dropped it back quite a bit for some reason. Meanwhile, Consumer Cellular has lowered their prices. You can get 100Mb data for $5/month -- used to be 50Mb. I've ...
by Hexdump
Sun May 04, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4074

2014 proforma tax return

What do you use to do a proforma 2014 tax return ? I could use TurboTax but would prefer something easier and preferably an online version.
I need to do some what-if planning.

thanks
by Hexdump
Sat May 03, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 proforma tax return
Replies: 8
Views: 697

Re: Purchasing first smartphone, need advice

Perhaps purchase an unlocked Android phone and then do a prepaid plan with Consumer Cellular or similar. Decide upfront if you want CDMA or GSM technology; GSM is more commonly used outside the US. I bought a Nexus 5 several months ago and am happy with it except that battery life is too low. Perha...
by Hexdump
Sat May 03, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4074

Has anyone tried/used the Guyton/Klinger method for a VPW

With thanks to siamond, original thread here. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=120430 I guess you have to think about your personal objectives. Are you so sure that you'd like to have less money to begin with, and more money as you get older? Including when you get real old a...
by Hexdump
Tue Apr 29, 2014 9:03 am
 
Forum: Investing - Theory, News & General
Topic: Has anyone tried/used the Guyton/Klinger method for a VPW
Replies: 34
Views: 2850

Re: Has anyone bought a smart TV rcently?

We just bought this one. http://www.eastcoasttvs.com/Samsung-LED-HDTV-p/un60f8000.htm I was very reluctant about buying it online but it worked out well. It is a spectacular TV. I got it along with a Samsung bluetooth soundbar/woofer. I like that I can attach my IPad to the soundbar via bluetooth. G...
by Hexdump
Mon Apr 28, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: Has anyone bought a smart TV rcently?
Replies: 41
Views: 7786

Re: TMobile $30 plan...

Don't want to hijack the thread but I have a related question. What are the other options for current ATT customer? I ask because I would want to bring my own ATT phone to a different service after my ATT contract. H2O is linked above. Any other options where I can use my ATT GSM phone? Thanks. Thi...
by Hexdump
Mon Apr 28, 2014 10:00 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12063

Re: TMobile $30 plan...

That Tmobile $30 plan is for data users. It has 5GB data at 4G speeds and 100 min per month. You may want to check into H2O Wireless. https://www.h2owirelessnow.com/mainControl.php?page=planMon30 $30 per month gets you: Unlimited Talk Available nationwide, including U.S. Territories Unlimited Text ...
by Hexdump
Mon Apr 28, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: TMobile $30 plan...
Replies: 52
Views: 12063

Re: Variable Percentage Withdrawal (VPW)

For myself, which is a single fund philosophy, Wellesley, would it make sense to use the Wellesley AA as the portfolio mix ? I like the numbers that it spit out so I am guessing that there might be a misconception in my thinking. Great tool and remarkably easy to use. Libre Office user here, so no w...
by Hexdump
Fri Apr 25, 2014 7:17 am
 
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 454
Views: 48286

Re: New Baby Girl - What Can/Should We Do?

This is another one of those threads I find incomprehensible, where some parents toss their kids to the wolves. I can't imagine Not saving for a kid's future. I find it incomprehensible that you insinuate that I have tossed by my kids to the wolves. :) :) If I told you that I paid 100% of the costs...
by Hexdump
Thu Apr 24, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 49
Views: 4708

Re: New Baby Girl - What Can/Should We Do?

It appears that Missouri offers a state tax break for 529 contributions, so make sure you consider that in your decision. Study the Missouri 529 plan as a tool for providing for her college education. Also consider buying some amount of IBonds to cover a 4 year degree. Esitmate the cost in todays $...
by Hexdump
Thu Apr 24, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New Baby Girl - What Can/Should We Do?
Replies: 49
Views: 4708

Re: Good scotch recommendations, where to buy

I like them all and one of the ones that some purists scoff at is a new taste experience to me. Glenmorangie Quinta Rubin. Aged in port barrels. http://www.masterofmalt.com/whiskies/glenmorangie/glenmorangie-quinta-ruban-12-year-old-whisky/ I tried it once as a favor to a friend while sitting at a b...
by Hexdump
Tue Apr 22, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Good scotch recommendations, where to buy
Replies: 55
Views: 9423
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