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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 5:20 pm
 
Forum: Personal Consumer Issues
Topic: Why don't you do Financial Planning?
Replies: 41
Views: 3219

Re: What Movie Have You Recently Watched?

Tom Clancy's Jack Ryan
by Lon
Thu Sep 18, 2014 10:13 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 105
Views: 4486

Changing Password

Surely there must be an easy way to do this.
by Lon
Wed Sep 17, 2014 3:14 pm
 
Forum: Forum Issues and Administration
Topic: Changing Password
Replies: 1
Views: 167

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 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Hearing aids - for those that use them
Replies: 29
Views: 1777

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 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Seniors And Student Loans
Replies: 1
Views: 300

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 12:02 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8938

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 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 6179

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 7:57 pm
 
Forum: Personal Consumer Issues
Topic: 25 Years 55 to 80 Thanks Boggleheads and Vanguard
Replies: 6
Views: 1334

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 6:34 pm
 
Forum: Personal Consumer Issues
Topic: 25 Years 55 to 80 Thanks Boggleheads and Vanguard
Replies: 6
Views: 1334

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 10:34 am
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 54
Views: 3225

Re: Need another bank besides Capital One

Charles Schwab Bank has done the job for me.
by Lon
Fri Aug 22, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Need another bank besides Capital One
Replies: 24
Views: 2040

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 7:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1170581

Re: Where do you buy clothes?

Kohl's & Macy's
by Lon
Sun Aug 10, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 9251

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 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6146

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 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Downsizing to Apartment
Replies: 15
Views: 1879

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 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Which kind of bike for recent retiree?
Replies: 48
Views: 2846

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 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund VGHCX
Replies: 11
Views: 1451

Re: Fed up with ATT

I have been very happy with Vonage
by Lon
Wed Jun 25, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Fed up with ATT
Replies: 53
Views: 4909

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 10:54 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7051

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 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 3295

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 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VPGDX vs. SPIA
Replies: 4
Views: 301

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 10:53 am
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks? [for exercise-induced hunger]
Replies: 129
Views: 8938

Re: Favorite guitarist...

Carlos Montoya 8-)
by Lon
Sat Jun 07, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 207
Views: 21193

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 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Inside Grilling
Replies: 40
Views: 3286

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 12:03 pm
 
Forum: Personal Consumer Issues
Topic: over 55 communities
Replies: 16
Views: 1994

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 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spending on Cars in Retirement
Replies: 47
Views: 3017

Re: need router advice

I have a newly purchased LinksysEA2700 Router that I will give you free of charge if you will just reimburse me modest postage charge. My cable company has installed a combination router/modem and that is why I don't need it, also, I have been unable to sell it. Would you like this $85 gift. PM me m...
by Lon
Sat May 10, 2014 9:30 pm
 
Forum: Personal Consumer Issues
Topic: need router advice
Replies: 56
Views: 3809

Re: Long Term Care Policy Poll

I am 79 and do have LTC that was purchased at age 57 as part of a retirement package.
by Lon
Sun May 04, 2014 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 42
Views: 2756

Re: [Eating] Fish

I eat on a regular basis, Coho Salmon, Alabcore Tuna, Sardines, Halibut, Baramundi
by Lon
Wed Apr 23, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9824

Re: How much water do you drink every day?

Who keeps track? When I am thirsty I drink a glass of water from the filtered fridge water. When on the golf course, a cup or two from supplied containers at the tees.
by Lon
Fri Mar 28, 2014 12:02 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 3517

Re: Gas Grill - Natural Gas vs Liquid Propane

I have a Webber Gas Grill on my patio with a natural gas hook up. Attachments came with the grill when I bought it. I love it and use it almost daily year round. Price as I recall was around $400 at Lowe's.
by Lon
Thu Mar 20, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Gas Grill - Natural Gas vs Liquid Propane
Replies: 46
Views: 7403

Re: Poll: When did you retire? Would you do it all over agai

I retired at age 57, 22 years ago and no regrets. I wish Ii could have done it sooner.
by Lon
Tue Mar 18, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 11688

Re: What's your dream car?

I am not a car nut. My dream car is one that is paid for.
by Lon
Mon Mar 17, 2014 12:05 am
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11324

Investing Money From Sale of House

I have had my IRA assets invested in the Vanguard Wellesley Fund since retiring over 20 years ago and rolling the assets of my 401K into the IRA. I have been very pleased with Wellesley and have been taking the required Minimum Distribution since age 70 1/2.Social Security, Pensions & RMD is suf...
by Lon
Thu Mar 13, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Money From Sale of House
Replies: 1
Views: 240

We are selling our home and renting

Wife and I are retired and it 's a second marriage for both of us. We put equal amounts of our separate funds into our present paid for home. We will split the net proceeds from the sale and invest our share separately. Our home is in joint tenancy and we were concerned about one or the other of us ...
by Lon
Tue Mar 04, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: We are selling our home and renting
Replies: 3
Views: 849

Re: [POLL] What do Bogleheads DRINK?

Water, milk, wine, more wine, more wine
by Lon
Mon Mar 03, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] What do Bogleheads DRINK?
Replies: 71
Views: 4535

Social Security Cards

When was the last time that you were asked to produce your actual Social Security Card? I haven't seen my actual card in over 65 years. I have been asked for the card several times in the past year. I applied for a replacement and just got the new one in the mail. It's not very official looking. The...
by Lon
Tue Feb 25, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Social Security Cards
Replies: 33
Views: 1856

Re: What's your usual retirement day like ?

Each and every day since retiring 25 years ago will involve one or more sport activities, water volleyball,golf, swimming,tabletennis,Boccee ball, pickle ball, in addition to movies, reading, internet, travel
by Lon
Sun Feb 23, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35686

Re: What credit cards do you recommend?

I love Amazon and am quite happy with Amazon Visa, but use Capital One Visa when traveling abroad because of no foreign transaction fees.
by Lon
Fri Jan 31, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What credit cards do you recommend?
Replies: 78
Views: 8130

Re: Poll: Understanding the average forum member age

I am coming up on 80 this year.
by Lon
Mon Jan 13, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4928

Re: How do you filter your water?

There is a replaceable water filter on our Samsung fridge and that does a fine job. Regular tap water is horrible.
by Lon
Sun Jan 12, 2014 11:12 pm
 
Forum: Personal Consumer Issues
Topic: How do you filter your water?
Replies: 77
Views: 3593

RMD

Would taking a RMD for 2014 and then re depositing it as a 2014 IRA contribution make sense?
by Lon
Tue Jan 07, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 4
Views: 433

Re: Specifics on Distributions [for Retirement Income]

I am 79 and have my IRA in the Wellesley Fund. I have been taking RMD each year since initially required to do so and am fortunate to not having to draw more. Despite the increased percentage withdrawal each year the fund is still ahead of where it was when I started withdrawals. I am obviously quit...
by Lon
Sat Sep 07, 2013 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Specifics on Distributions [for Retirement Income]
Replies: 17
Views: 984

Re: What Book Are You Currently Reading? Part V

"Th God Delusion" by Richard Dawkins------It's a good read.
by Lon
Sat Aug 24, 2013 4:13 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1170581

Re: Drying clothes in the sun - worth the hassle?

No It's not worth the hassle. Despite the 100 F plus weather we have in this part of California and the fact that clothes hung out to dry will dry quickly, why subject them to air borne pollens, dust and bird crap, not to mention the waste of my valuable time. Oh sure the clothes are nice and crisp,...
by Lon
Fri Aug 23, 2013 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 6641

Re: When did you get term life insurance? How long and how m

I bought a very inexpensive $250,000 term policy at age 25. I didn't die so I cancelled it. :oops:
by Lon
Sun Aug 11, 2013 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: When did you get term life insurance? How long and how much?
Replies: 32
Views: 2572

Re: [Eating] Fish

Love fish and eat it several times weekly. Coho Salmon, Baramundi, Mahi Mahi are the favorites followed by Tuna & Cod? Halibut when on sale.
by Lon
Sat Aug 10, 2013 5:59 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 113
Views: 9824

Re: Hearing Aids

Lon Thanks for your reply. He did get this from an audiologist but perhaps they are not very well trained. When you talk about "learning adjustment curve" did you have to do something extra after it was fitted by the audiologist or was it just a matter of getting used to it. Thanks If thi...
by Lon
Tue Jul 23, 2013 1:21 am
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6442
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