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by Lon
Wed May 06, 2015 1:58 pm
Forum: Personal Consumer Issues
Topic: Viatical Settlement For Life Insurance Policy
Replies: 4
Views: 405

Viatical Settlement For Life Insurance Policy

Interesting concept. Do you know anyone that has done this and must you have cancer or be terminally ill?
by Lon
Sun May 03, 2015 12:33 am
Forum: Personal Consumer Issues
Topic: How To Find The Best Doctor
Replies: 42
Views: 2853

How To Find The Best Doctor

To find the best doctor for a particular ailment or procedure do a few Google Searches, but most importantly, check with nurses. The nurses in a hospital are in the know about who is good and who is not. If a doctor has a bad reputation for his specialty they know and if he is good they know that as...
by Lon
Fri May 01, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Can you see the Mayweather fight for less than $99?
Replies: 39
Views: 3525

Re: Can you see the Mayweather fight for less than $99?

I am a fan of Professional Boxing and I have ordered up on Pay Per View for my flat screen TV the biggest money fight in the history of Professional Boxing. The fight will cost me $100 billed to my TV Cable account. I will host 14 people in my apartment to watch the fight and have charged them $10 e...
by Lon
Mon Apr 27, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Best touristy places to live in the world?
Replies: 36
Views: 4582

Re: Best touristy places to live in the world?

New Zealand has always been popular with tourists and I am fortunate to have lived there for 6 months of each year for the past 23 years.
by Lon
Mon Apr 27, 2015 9:53 am
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 64
Views: 5373

Re: Best (Available)Red Wine for under $15 preferrably under

My favorite is "Mondavi" a California Cab at $12.50 for a 1.5l bottle
by Lon
Sat Apr 25, 2015 11:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 828
Views: 116112

Re: What Movie Have You Recently Watched?

"The Water Diviner"

A really good film produced and directed by Russell Crowe and a appropriate opening day in rememberance of "Gallipoli" where Anzac troops were used as Cannon Fodder by the Brittish in WW1. A real Black Mark on Winston Churchill's biography.
by Lon
Tue Apr 21, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: Ted Talks
Replies: 15
Views: 2322

Re: Ted Talks

Yes---My thanks to 60 Minutes
by Lon
Tue Apr 21, 2015 1:21 pm
Forum: Personal Consumer Issues
Topic: Ted Talks
Replies: 15
Views: 2322

Ted Talks

I just recently discovered "Ted Talks" and now I am hooked. It's a series of 10 to 15 minute talks on a wide range of subjects where the speakers have all been pre-screened for quality of performance and content.
by Lon
Sat Apr 18, 2015 11:06 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1884

What Is The Worst Car You Have Ever Owned?

For me it was a 1976 Cad Coupe DeVille (the last of the big trunk Caddies). It was purchased new and within two months the silver vinyl top started peeling and then the interior molding and trim started peeling, then transmission problems, heating and air conditioning problems. Finally, when the car...
by Lon
Sat Apr 18, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 24990

Re: What do you drive, and why?

My only car is a 2001 Toyota Camry XLE with 85,000 miles in excellent condition. I am 6 ' 4" 195 lbs and 80 years old and this car suits my needs. I will probably die still owning just this car. :D
by Lon
Fri Apr 03, 2015 10:47 am
Forum: Personal Consumer Issues
Topic: Best Couch for Big and Tall Person
Replies: 12
Views: 1627

Re: Best Couch for Big and Tall Person

I am 6' 4", 200 lbs and purchased a three seat sofa bed from Costco a few weeks ago for $649 that has a side lounge that I love for watching TV.
by Lon
Sun Mar 29, 2015 3:22 pm
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 13641

Re: Restaurant tipping

I grew up living with my mother from age 11 to 18. She worked as a waitress and cashier. I remember her coming home and counting her tips on the kitchen table. My tipping today is fairly generous because of this personal experience.
by Lon
Sun Mar 29, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: How long do sofas really last
Replies: 46
Views: 4713

Re: How long do sofas really last

I purchased a good looking sofa bed from Costco two weeks ago for $645 which works out nicely in my two bed two bath apartment. I have no idea how long it will last and don't worry about it. This particular sofa bed does not have that uncomfortable bar running across the bed that many sofa beds seem...
by Lon
Sun Mar 22, 2015 3:12 pm
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 6
Views: 692

Re: ER/Urgent Care/AmWell online A Choice

The specialist would be a Internist
by Lon
Sun Mar 22, 2015 12:59 pm
Forum: Personal Consumer Issues
Topic: Urgent Care Centers - When should they be used?
Replies: 45
Views: 4041

Re: Urgent Care Centers - When should they be used?

We now have three choices when we need non life threatening medical assistance with the ER being the most expensive, Urgent Care second and On Line video assistance third. My supplemental Health Plan has just added Am Well On Line Video. Many minor medical situations that are handled by Emergency Ro...
by Lon
Sun Mar 22, 2015 12:52 pm
Forum: Personal Consumer Issues
Topic: Hearse as daily driver?
Replies: 58
Views: 4295

Re: Hearse as daily driver?

My first career was a licensed Funeral Director/Embalmer and though I never used the hearse as my primary vehicle it was convenient from time to time to use as a station wagon. I stopped off to pick up a large stereo cabinet in San Francisco on my way back from the National Cemetery in San Bruno and...
by Lon
Sun Mar 22, 2015 12:42 pm
Forum: Personal Consumer Issues
Topic: ER/Urgent Care/AmWell online A Choice
Replies: 6
Views: 692

ER/Urgent Care/AmWell online A Choice

We now have three choices when we need non life threatening medical assistance with the ER being the most expensive, Urgent Care second and On Line video assistance third. My supplemental Health Plan has just added Am Well On Line Video. Many minor medical situations that are handled by Emergency Ro...
by Lon
Wed Mar 18, 2015 2:11 pm
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 1934

Have You Prepared A Durable Power Of Attorney?

This is a important document particularly for older Boggleheads.
by Lon
Sat Mar 07, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Actually Use?
Replies: 67
Views: 5425

How Many Credit Cards Do You Actually Use?

While at one time I had credit cards coming out of my ears I am at the point in my life where I only need one credit card with a fairly high limit. I have this particular card because there are no Foreign Transaction Fees. The card has cash back features for certain purchases, no annual or monthly f...
by Lon
Fri Mar 06, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: Aruba in April
Replies: 10
Views: 749

Aruba in April

I'm fortunate that I can fly round trip free from California to Aruba and would like to spend a week there in April. I would appreciate any suggestions or input from Bogleheads re: condo/house rentals etc.
by Lon
Sat Feb 28, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Getting Australian Dollars
Replies: 13
Views: 845

Re: Getting Australian Dollars

I use my Schwab Debit card in both Australia and New Zealand to get that countries currency. Never have had a problem and the rates are good with no fees.
by Lon
Fri Feb 27, 2015 4:51 pm
Forum: Personal Consumer Issues
Topic: Foreign film night recommendations.
Replies: 124
Views: 6470

Re: Foreign film night recommendations.

Max Manus is a film from Norway that I thought wa quite good. He was a WW 2 hero.
by Lon
Wed Feb 25, 2015 12:19 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 21913

Re: What are Costco's best deals?

I did not know that Costco sold furniture. I just purchased a quality Chaise Sofa Bed for my apartment for $600+
by Lon
Tue Feb 24, 2015 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Taking RMD this year
Replies: 13
Views: 1024

Taking RMD this year

I was going to wait until the end of this year before taking my 2015 RMD but then thought to my self, what if I die before taking it. Would their be negative tax consequences for my beneficiary?
by Lon
Wed Feb 18, 2015 9:25 pm
Forum: Personal Consumer Issues
Topic: Any success stories negotiating with AT&T
Replies: 13
Views: 1435

Re: Any success stories negotiating with AT&T

So far I haven't had to negotiate with them. I dumped Comcast and went with AT& T because of the extremely poor service with Comcast. I have internet, tv, i phone, home phone all with AT&T and so far I am completely happy with them.
by Lon
Mon Feb 02, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Online Checking Accounts
Replies: 8
Views: 1081

Re: Online Checking Accounts

I have used Charles Schwab for some time now and like their service and features.
by Lon
Mon Feb 02, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4754

Re: Good Wines

I am really surpised Boggleheads are so frugal. I am almost 70 and if I drink wine, I drink good wine, no boxes, no two buck chuck. I will even venture off to Napa and pay up to $85 for a good bottle of wine. It is not a contest to me to save $ at this time in my life, it is to embrace life and enj...
by Lon
Fri Jan 30, 2015 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 37
Views: 3865

Re: Your Minimum Annual Expenses

My minimum annual expenses are more than met by my Social Security and pensions, so those would have to be terminated for me to have a real problem.
by Lon
Fri Jan 30, 2015 5:12 pm
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4754

Good Wines

I had a bottle of Bogle Old Vine Zindanfel with my Rib Eye Steak ehe other night and for a nine dollar bottle of wine it was out standing. What are some of your favorites both white and reds in that 9 to 12 dollar price range. 8-)
by Lon
Wed Jan 21, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 4122

Re: urgent: how to identify top surgeons for a procedure

I was diagnosed 20 years ago with a particular medical condition that was not life threatining but certainly debilitating . I went on line and joined a support group for this particular condition and not only got a real education on this condition but read about different doctors that were treating ...
by Lon
Tue Jan 20, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: The "Less Than" a Million $ Club
Replies: 73
Views: 11842

Re: The "Less Than" a Million $ Club

I am now 80 years old and am quite comfortable in my two bedroom two bath apartment and have no financial concerns. My private pension, Social Security and RMD is more than adequate for me to enjoy a quality life style despite my total investable assets being less than one million. When I retired 22...
by Lon
Mon Dec 29, 2014 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2539

Re: retirement spending covered by SS

I am single and have been drawing Social Security for18 years. My SS covers more than my fixed monthly expenses.
by Lon
Sat Dec 27, 2014 1:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 828
Views: 116112

Re: What Movie Have You Recently Watched?

Just saw "Unbroken" Amazingly true story of survival but I enjoyed the book more. The scenes in the ocean and prisoner of war camp drug on and were burdensome.

Watched the controversial "The Interview on You Tube last night and found it BLAGH. Mel Brooks should have done the film.
by Lon
Mon Dec 22, 2014 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8756

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 4:55 pm
Forum: Personal Consumer Issues
Topic: How do you define "being rich"?
Replies: 127
Views: 9812

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
Tue Dec 16, 2014 11:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 713
Views: 103599

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
Sat Dec 13, 2014 10:36 am
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 5323

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
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: 4984

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
Fri Nov 21, 2014 12:39 pm
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 3171

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 14, 2014 1:32 pm
Forum: Personal Consumer Issues
Topic: Living abroad in retirement
Replies: 4
Views: 511

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
Tue Nov 11, 2014 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2337

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 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2337

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
Thu Nov 06, 2014 11:08 am
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 13317

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
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: 890

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 11:03 am
Forum: Personal Consumer Issues
Topic: File in Small Claims Court [against a cable TV provider]?
Replies: 8
Views: 890

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
Fri Oct 24, 2014 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you buy your largest home?
Replies: 25
Views: 2882

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 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 159
Views: 14339

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 1:59 pm
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7658

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.

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