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Re: What are your 2015 Financial Goals?

1 Use my 2015 RMD for a cruise

2 Invest the three separate COLA's each month that I will receive during the year.
by Lon
Mon Dec 22, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 101
Views: 7033

Re: How do you define "being rich"?

I would consider a person to be rich if they can write several personal checks in a month for 50 to $100,000 that will clear and contribute to various charities each year in excess of $150,000 :D
by Lon
Mon Dec 22, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 122
Views: 7287

Re: What Book Are You Currently Reading? Part VI

Just Finished a Good Book If you like reading WW 2 history you might give Max Hastings "Inferno" a go. He covers a number of things not previously covered like the thousands of Allied desertions during the Italian Campaign and the thousands of non combat airmen's deaths during training exe...
by Lon
Tue Dec 16, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 258
Views: 31532

Re: Gift to Yourself

I will be getting three separate COLA's on January 1st. I will wait until then to see how to treat myself.
by Lon
Sat Dec 13, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 36
Views: 4405

I Can't Smell The Coffee [one cup coffee maker]

I live alone and don't need a eight or ten cup coffee maker. I am happy with my one cup at a time Keurig Coffee Maker using K Cups, but sure miss the smell of brewing coffee.
by Lon
Sun Dec 07, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: I Can't Smell The Coffee [one cup coffee maker]
Replies: 36
Views: 4829

Re: Retirees' Regrets

It's been 25 years now and no regrets at all other than a recent divorce, and even that came off well
by Lon
Fri Nov 21, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 2963

Re: Living abroad in retirement

For at least 6 months of each of the past 23 years that I have been retired I have lived in New Zealand( November to April) and California ((May to October). I have owned two different homes in New Zealand and from there have made many trips to Australia, Fiji, Tonga, Cook Islands, Tahiti, Thailand....
by Lon
Fri Nov 14, 2014 1:32 pm
 
Forum: Personal Consumer Issues
Topic: Living abroad in retirement
Replies: 4
Views: 475

Re: Assisted Living

I see you're in CA. Not sure if near SF, but you might want to check out The Sequoias. Favorable article recently in the New York Times. Although I grew up in San Francisco I am living now in Central California and the community where I am now living has a number of excellent facilities like the Se...
by Lon
Tue Nov 11, 2014 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2253

Assisted Living

There will come a time for each of us when we physically cannot do many of the daily chores of cooking, cleaning, bathing or can do some but not all. At that point we may need some help and are faced with the decision of staying in our own home and getting the assistance brought in, or selling/leavi...
by Lon
Tue Nov 11, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2253

Re: What have you done to cut costs this year?

Sold my home for a great price and am renting a two bedroom two bath apartment with amenities.
by Lon
Thu Nov 06, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12398

Re: File in Small Claims Court [against a cable TV provider]

if you had cable for 5 months and never paid for it the entire time, then $199 sounds like a good deal to me ($39.80/month) unless the bill is an unpaid cable bill from the 1980s. :D Just yesterday my coworker said he remembers paying $9/month for cable back in the 1980s. My bank records show that ...
by Lon
Sat Oct 25, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: File in Small Claims Court [against a cable TV provider]?
Replies: 8
Views: 859

File in Small Claims Court [against a cable TV provider]?

A well known Cable TV company has turned me over to a Collection Agency for $199 that they say I owe. In the 5 months that I had their service I never received any statement either on line or by snail mail. All I want is a statement from them that shows what I was billed and what for as well as what...
by Lon
Sat Oct 25, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: File in Small Claims Court [against a cable TV provider]?
Replies: 8
Views: 859

Re: How did you buy your largest home?

I always rolled the proceeds from the sale of one home into the new one plus I offered the seller on the last home a price that was 40% less than the asking price and it was accepted. The seller was a surgeon going through a knock down/drag out divorce and just wanted out. LUCKY ME.
by Lon
Fri Oct 24, 2014 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2716

Re: Gross Yearly Income needed in Retirement (Speculation)

I am 80 years old and have been retired for 25 years. In each of those years my annual income was never over $50,000 annually. I had two cars (one now) no mortgage, no debt. Considerable travel and cruises in the past 25 years was paid for from savings/investments.
by Lon
Fri Oct 24, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 13159

Re: Do you regret buying your home?

I have owned four houses in the past 55 years, two in the United States and two abroad and did not ever regret buying them. Each home was a good financial decision and served me well.
by Lon
Fri Oct 24, 2014 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7236

Re: Is it possible to have a favorite movie

Not possible for me as there are too many categories, drama, comedy, history etc.If someone has A favorite movie I would wonder about their seemingly limited interests and I don't mean to offend anyone.
by Lon
Sat Oct 18, 2014 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3323

Electric Razors

I need to get a new one and welcome suggestions. What do you like and why?
by Lon
Tue Oct 14, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1927

Re: Dashlane App - Recommened or Not?

I have been using Dashlane for the past 6 months and have had no problems and it is working quite well.
by Lon
Mon Oct 13, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: Dashlane App - Recommened or Not?
Replies: 4
Views: 391

Re: What Book Are You Currently Reading? Part VI

Because of all the past Hoopla about "50 Shades of Grey" I thought I should give it a read. I am half way through the first of the Trilogy and don't know if I will continue or not. It is well written in my opinion and quite erotic and deals with a subject that people that I know quite well...
by Lon
Sat Oct 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 258
Views: 31532

Re: Wine - how to keep it from not spoiling?

I have never had that problem since the wine is consumed before it ever has a chance to spoil. :happy
I drink wine daily and a bottle is generally shared with others, therefore, no left overs.
by Lon
Sat Oct 11, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Wine - how to keep it from not spoiling?
Replies: 57
Views: 3058

Re: What Movie Have You Recently Watched?

I went to a early show yesterday and saw "The Judge" I thought that over all it was a good film even if a bit hard to follow certain parts. I am a fan of Robert Duvall and thought he was out standing in his role.
by Lon
Sat Oct 11, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 29009

Re: Hamilton watches, worth the money?

That's like asking "Is a $100 bottle of Sauvignon Blanc worth the money" A good Timex watch can last as long as the Hamilton and keep as good time. Likewise a $18 bottle of Sauvignon Blanc can be excellent.

[OT comment removed by admin LadyGeek]
by Lon
Fri Oct 10, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 14990

Re: Why don't you do Financial Planning?

Your post would imply that only those that work on a fee only basis have the best interest of the client in mind and that anyone that receives or works on a commission basis does not, and that is just not reality. Fee only planners are not the saviors of good and objective financial advice.
by Lon
Tue Sep 23, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3468

Re: What Movie Have You Recently Watched?

Tom Clancy's Jack Ryan
by Lon
Thu Sep 18, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 262
Views: 29009

Changing Password

Surely there must be an easy way to do this.
by Lon
Wed Sep 17, 2014 2:14 pm
 
Forum: Forum Issues and Administration
Topic: Changing Password
Replies: 1
Views: 660

Re: Hearing aids - for those that use them

I bought my own hearing aids for 25 years and finally went to the VA two years ago and had them pull my records. I spent lots of time on the flight line working on F 86 Sabre Jets in Korea during the Korean War, and later B 47's at Mc Dill Field in Tampa Florida. Holy Smokes, I felt like I won the l...
by Lon
Mon Sep 15, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1903

Seniors And Student Loans

SENIORS AND STUDENT LOANS I saw on this evenings news that there is a huge amount of outstanding Student Loans by seniors age 65 to 75. How much of those loans were used for other than education. My thinking is that much of those loans were spent on fun and games. If the loans were truly spent on ed...
by Lon
Wed Sep 10, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Seniors And Student Loans
Replies: 1
Views: 313

Re: What Do You Eat For Snacks? [for exercise-induced hunger

I love Vegi Sticks and all kinds of nuts, particularly cashews.
by Lon
Wed Sep 10, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9244

Re: Rather macabre but necessary question

I can certainly relate to your situation since I was diagnosed with a very rare form of Lymphoma a few years back called Waldenstrom's Disease. I had no symptoms at diagnosis and like you, it was picked up by routine blood tests. My initial reading of the disease idicated a 5 year life expectancy af...
by Lon
Tue Sep 09, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6644

Re: 25 Years 55 to 80 Thanks Boggleheads and Vanguard

No more New Zealand at this time. It's time now to spend some time here in California , closer to grand kids and now great grand kids.
by Lon
Mon Sep 08, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: 25 Years 55 to 80 Thanks Boggleheads and Vanguard
Replies: 6
Views: 1354

25 Years 55 to 80 Thanks Boggleheads and Vanguard

Whoosh-----Where did those 25 years go? My first wife died at age 53 when I was 55 years old. I retired at age 58 and re married at age 59. Spent 22 years of the 25 living part of the year in New Zealand and the other part in California with many cruises and world travel in between, white water raft...
by Lon
Mon Sep 08, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: 25 Years 55 to 80 Thanks Boggleheads and Vanguard
Replies: 6
Views: 1354

Re: California residents - do you have earthquake insurance?

No I live in a part of California that historically has not suffered a quake that has done any damage at all.
by Lon
Thu Sep 04, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3377

Re: Need another bank besides Capital One

Charles Schwab Bank has done the job for me.
by Lon
Fri Aug 22, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Need another bank besides Capital One
Replies: 24
Views: 2210

Re: What Book Are You Currently Reading? Part V

Grant by Jean Edward Smith A great read for History Buffs
by Lon
Sun Aug 10, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234206

Re: Where do you buy clothes?

Kohl's & Macy's
by Lon
Sun Aug 10, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9991

Re: Best Coffee Maker? What do you have?

I am quite content with my Kurig. I live alone and the single cup brew is fine for me. I am not into the exotic blends of K Cups and enjoy just a plain old French Roast. I buy in quanity and a cup of coffee costs me about 25 cents.
by Lon
Wed Jul 23, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6537

Downsizing to Apartment

Selling my 1,900 sq ft. home and moving into a two bedroom two bath apartment was a good financial move.I live alone and what I have saved by selling my home more than pays for the rent that I now pay for my nice apartment.No more property taxes, no more home owners insurance, association dues, gard...
by Lon
Mon Jul 21, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 15
Views: 1967

Re: Which kind of bike for recent retiree?

Here ya go. Just right for a new retiree.

http://jims59.com/vintageschwinns/image ... rt_frt.jpg
by Lon
Mon Jul 21, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2943

Vanguard Health Care Fund VGHCX

OK so it's a 5 on the risk side. Comments on this fund appreciated.
by Lon
Tue Jul 01, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund VGHCX
Replies: 11
Views: 1539

Re: Fed up with ATT

I have been very happy with Vonage
by Lon
Wed Jun 25, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 5136

Re: Retired Bogleheads want to relocate to California

http://capitoloaks.com/scr.php

There are plenty of homes in your price range in this part of Canlifornia. Great weather, close toSan Francisco and Lake Tahoe
by Lon
Mon Jun 23, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 114
Views: 8401

Re: % of expenses in retirement

I have been retired since 1991 and during that time have had no major debt for home or cars, just one credit card debt paid off each month. Due to extensive travel the first 10 years, expenses were about 50% of pre retirement. Now,even though we still travel there is no major debt other than that on...
by Lon
Sat Jun 21, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 3326

VPGDX vs. SPIA

If one has sufficient monthly income to live comfortably and is 80 years old with a 70 year old wife, neither with major health problems, but looking down the road at the possibility of one or the other needing Assisted LIving.Which might be a better choice with his $300,000. Buy a Joint Single Prem...
by Lon
Tue Jun 17, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VPGDX vs. SPIA
Replies: 4
Views: 319

Re: What Do You Eat For Snacks?

I love to snack on nuts, particularly cashews and Veggie Sticks as a alternative to Potato Chips.
by Lon
Fri Jun 13, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 9244

Re: Favorite guitarist...

Carlos Montoya 8-)
by Lon
Sat Jun 07, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21483

Re: Inside Grilling

I am quite happy with my Halogen Convection Table Top Oven that will do all the functions of a traditional oven and do it better. Clean, cost effective and fast. My machine is a Secura.
by Lon
Thu Jun 05, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3445

Re: over 55 communities

You might like to take a look at Sun City Roseville/SunCity Lincoln.Both are Del Webb originated communities located 20 miles north east of Sacramento California. Great weather, one hour from the High Sierras and Lake Tahoe. 90 minutes from San Francisco. I lived in the Roseville Sun City for 12 yea...
by Lon
Tue May 27, 2014 11:03 am
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 2019

Re: Spending on Cars in Retirement

I retired in 1990 and bought my wife a 1991 Mazda MX6 for about$21,000. In 2001 I bought a Toyota Camry XLE for $24,000 for both our use. The Mazda now has 80,000 miles, looks great and runs fine. The Toyota just turned 76,000 miles and also looks fine and runs well. I figure I will croak still owni...
by Lon
Fri May 16, 2014 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending on Cars in Retirement
Replies: 47
Views: 3215
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