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QRe: Marriage and splitting expenses

All our money goes into one bank account. It's been that way for forty years. Large financial decisions are made jointly. I paid all the bills and took care of our investments. My wife had some of her own credit cards. My wife was not used to making financial decisions involving less the seven figur...
by Old Guy
Thu Apr 23, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 111
Views: 6213

Re: Best fish oil/omega-3 supplement?

Also stopped on advice of my doctor.
by Old Guy
Sat Apr 11, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1233

Re: The Credit Card Game

How long do you have to keep the cc after you open it and still retain them miles?
by Old Guy
Thu Apr 02, 2015 7:03 pm
 
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 2970

Re: Hate where we live, do we make major changes?

The census figures cited above are questionable as they apply to Hilton Head. Current population is 37,000 or so not over 200,000. Growth across the Sound in Bluffton is taking off.

BTW, we just moved to HHI after 10 years in Wisconsin. No more -14 degrees for us.
by Old Guy
Sun Mar 29, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 12270

Re: Smartest Financial Move You Ever Made

Convincing my wife to apply for a GS-14 position and then a GS-15. She got both, which she richly deserved. Then when we both retired we went back to work and put everything we could in deferred compensation programs. We EACH wound up being triple dippers along with deferred compensation and IRAs.
by Old Guy
Sat Mar 28, 2015 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 13784

Re: Which credit union are you a member of?

University of Wisconsin Credit Union until our recent move to S C.
by Old Guy
Fri Mar 20, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 5069

Re: Buying a Mountain Condo

When we lived in Madison Wisconsin we bought a condo in downtown Chicago to use on the weekends. It made no financial sense but we regarded it as a lifestyle investment not a financial investment. It was worth every penny. It turns out we actually made a profit on it when we sold it last spring. I s...
by Old Guy
Wed Mar 11, 2015 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1186

Re: "Americans Aren't Saving Enough for Retirement"

Bel:

The federal government has done an outstanding job of investing my money at very little cost to me through the thrift program. Too bad the rest of the people in the country doesn't have access to it.
by Old Guy
Wed Mar 04, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: "Americans Aren't Saving Enough for Retirement"
Replies: 41
Views: 4936

Re: Retiree Poll: Satisfaction with retirement

I retired in July. I'm still figuring it out. Much of last year was taken up with selling our two condos, packing, and moving 1100 miles away. We still haven't completely unpacked and have had difficulty finding designers to work with us on our house. The first few months here have been taken up wit...
by Old Guy
Mon Mar 02, 2015 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 4169

Re: How do you plan on spending your time during retirement?

As little as possible. Actually, I work out 4-5 days a week; run the dog (a greyhound) on the beach; ride my bike; go out to eat lunch and shop with my wife; read free science fiction on the iPad; discover our new town and neighbors; travel. Hardest thing? Getting a designer to work with us to do re...
by Old Guy
Wed Feb 25, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3294

Re: TradingPlaces' advice on travel awards

US Air cards with 50,000 miles are still available. I received an offer in the mail this week and signed up today.

And I do have a question: how long do you need to keep these cards before you cancel and are still able to keep the ff miles?
by Old Guy
Wed Feb 18, 2015 6:21 pm
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 222
Views: 65920

Re: Roll Call for the Retirement Class of 2014!

We sold our condo in Madison and bought a house five rows from the beach in Hilton Head. Enjoying the December weather, which is substantially warmer than Wisconsin. Unpacking and figuring things out. In the new year will start volunteering. We already have had visitors.
by Old Guy
Mon Dec 29, 2014 9:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: What did you enjoy spending money on this year?

Buying a house five rows from the beach in Hilton Head. No more -14 degrees.
Buying my wife a glass piece by Dale Chihuly for her retirement from her retirement job.
Two weeks in Aruba.
Giving my son $6,000 for his 30th birthday.
by Old Guy
Mon Dec 29, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6241

Re: How long did your IT career last? At what age did it en

I think that unless you have a doctorate and publications teaching is not really the best option for experienced IT people especially at a research university. Teaching positions would be available at the community college level or in non-tenuretrack positions teaching first and second year students...
by Old Guy
Sat Nov 29, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15519

Re: How long did your IT career last? At what age did it en

I just retired from a B1G university, not in IT. Based on my observations, IT folks looking for work should try colleges and universities. Salaries wouldn't be the same but it can be a nice life style. I think that public universities, since they are very sensitive to issues of discrimination, might...
by Old Guy
Sat Nov 29, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15519

Re: What do you splurge on?

As to the Chihuly piece: Chihuly did his graduate studies here at the University Wisconsin. The Kohl Center on campus is decorated with his work. Every year the Madison Museum of Contemporary Art has four pieces of his work for sale. If you buy a high-end tax-deductible membership to the museum you ...
by Old Guy
Sat Nov 22, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25673

Re: What do you splurge on?

High end crafts. I bought a Dale Chihuly piece for my wife to celebrate her retirement.
by Old Guy
Fri Nov 21, 2014 5:15 pm
 
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 25673

Re: Degree of Difficulty Obtaining a Mortgage without Income

We are currently getting a $500,000 mortgage with 20% down on a $700,000 plus home. The bank looked at our RMD's, Social Security, savings, sales contract on our current condo, and multiple pensions. They did not seem interested in our investments, which totaled over $1 million.
by Old Guy
Sat Nov 15, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Degree of Difficulty Obtaining a Mortgage without Income
Replies: 11
Views: 1389

Re: Roll Call for the Retirement Class of 2014!

I retired on schedule. My last day at work was July 3. On July 5 my wife and I went to Aruba for two weeks. Later in July we went to visit my brother and his family in Alabama. We visited the University of Alabama, very pretty school, where my niece is a student and my brother's nephew plays on the ...
by Old Guy
Sat Sep 27, 2014 5:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: Does anyone know of a college FASFA expert?

Go to the financial aid or the parents forums of college confidential.
by Old Guy
Fri Sep 19, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone know of a college FASFA expert?
Replies: 13
Views: 1063

Re: Kindle

http://www.ereaderiq.com

They have a daily listing of free Kindle books by subject matter.
by Old Guy
Fri Sep 12, 2014 9:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1436

Re: Costco:is it worth it for just two people?

Love Costco. I have been a member since 1991 and the Price Club days. When I moved from Northern Virginia to Madison Wi there were only two things I missed--my wife (who joined me three years later) and Costco, which showed up in near by Middleton. On the other hand I can't forgive them for switchin...
by Old Guy
Sat Aug 30, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 13903

Re: Do you take all of your allowed paid vacation time?

When I left the federal government I had 300 hours of annual leave, which made for a nice payout. When I left the my university position in July I had nearly a month of annual leave saved up, which again made for a nice payout. I always was available on vacation, even when out of the country and che...
by Old Guy
Thu Aug 28, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 6661

Re: Moving after retirement.

We are moving to Hilton Head as soon as we can sell our condo. Why? It's too damn cold in Wisconsin; almost all of our families are on the east coast: spouse and I grew up in states on the ocean (NJ and MA) and we we want to spend the rest of the time allotted to us near the beach.
by Old Guy
Sun Aug 17, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 4896

Re: When did you downsize?

Otoh we are planning to get a larger place in retirement. We are selling our 1600 plus square foot 2+2 and den condo and moving to a southeastern coast beach community. Too damn cold in the Midwest. We want 3 bedrooms plus office or four bedrooms. My wife needs a room to herself where the doors can ...
by Old Guy
Sat Aug 16, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3459

Re: Where do you buy clothes?

Brooks Brothers during sales but the purchases will be limited since I just retired. Ralph Lauren polos from their outlet stores and the Boston Store when on sale. Tommy Bahama from their outlet stores and Boston Store. Sweaters from J. Crew and Land's End but only on sale or from outlet stores.
by Old Guy
Thu Aug 14, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 10643

Re: vacation points program

We have owned Marriott timeshares since 2001. We have no regrets. It forced us to take vacations. We are in Aruba right now for two weeks using a week we own and a week we traded. Time sharing requires you to pay attention and learn the system. I have made it my hobby. Spend time at tug2.net. I am n...
by Old Guy
Tue Jul 15, 2014 6:56 am
 
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1658

Re: Easy careers to last me to retirement?

Security guard; custodian; food service worker; college bookstore.
by Old Guy
Mon Jul 07, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14614

Re: When you retire you plan to?

I retired last week. Now in Aruba for two weeks. We plan to move to Hilton Head SC where I will volunteer; work out; ride my bike; and sit on the beach.
by Old Guy
Mon Jul 07, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3696

Re: Please help us decide where to live

Madison WI except that it can be cold, very cold. Otherwise one of the great small cities in the country. Two and half hours from Chicago; home to one of the great public universities in the country; and politically liberal. We have lived here for 10 years, but with retirement from both our retireme...
by Old Guy
Fri Jun 27, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 9137

Re: Reducing Expenses for Future Family

Babies do not need brand new clothes or band new furniture. The grow out of both very quickly. Shop for both at second hand stores. Let the grandparents buy the new clothes. If you have siblings or cousins whose children are older see what clothing and accoutrements they will contribute.
by Old Guy
Wed Jun 25, 2014 7:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Expenses for Future Family
Replies: 77
Views: 3483

Re: Retired Bogleheads want to relocate to California

Our son lives in LA and we were considering retiring from from Wisconsin to LA or San Diego. Too much traffic. We also like Palm Desert/Palm Springs but it is too hot. We really are east coast people having been raised in MA and NJ and living in DC/NoVA for 30 years before our Midwestern sojourn. Ot...
by Old Guy
Mon Jun 23, 2014 7:48 am
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 114
Views: 8603

Re: Poll on Retiree's Health Insurance Plan

I will retire in a few weeks with Medicare A and B. The latter will be paid for by the number of my sick leave days I earned by the time of my retirement. which will be equal to 4.9 years I only worked for the university for about 10 years. I will continue in the same HMO, as long as we reside in ou...
by Old Guy
Wed Jun 11, 2014 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll on Retiree's Health Insurance Plan
Replies: 21
Views: 1462

Re: Poll: Luxury and Happiness

When my wife retired in April of this year I bought her a Dale Chihuly Marigold Persian flower-like piece. Chihuly has a connection to UW-Madison where we live and I work (at least until July 3). He was in the first group of graduate students in the glass making program, which was the first of its t...
by Old Guy
Fri Jun 06, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 9466

Re: Government Employment (Employee)Question

Also note that HQ grades in DC are often higher than those in the field. If you move it may require you to take a downgrade to get a field office position. Doing the reverse though, moving to DC from the field, will open more opportunities for you.
by Old Guy
Wed Jun 04, 2014 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Government Employment (Employee)Question
Replies: 7
Views: 792

Re: Poll: Luxury and Happiness

When we were younger we bought nice houses but they were less then we could have afforded. All were sold in rising markets at very nice profits. When it came time to buy an SUV, we bought an Isuzu rather than an Explorer. We bought timeshares (which we have used well and wisely [two weeks in Aruba c...
by Old Guy
Wed Jun 04, 2014 9:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 9466

Re: Where to buy polo shirts?

I prefer Lacoste and Ralph Lauren shirts. I like the fit and the wear. They can be obtained in outlet malls and, for the Ralph Laurens, on sale at department stores as well as Marshalls and the like. The local Boston Store, part of the Carson Pirie Scott & Co chain, often has sales of the left o...
by Old Guy
Tue Jun 03, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 63
Views: 11828

Re: Roll Call for the Retirement Class of 2014!

Rick:

Into what? MM (cash)? Bonds?
by Old Guy
Fri May 30, 2014 10:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: Roll Call for the Retirement Class of 2014!

Wow. I knew I was an old fart but apparently I am the oldest old fart so far among the class of 2014. At 61, with the opportunity to go to work for a major university, something I always wanted to do, I was just not ready to call it quits. These last 10 years have been the most rewarding of my work ...
by Old Guy
Fri May 23, 2014 9:27 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: Roll Call for the Retirement Class of 2014!

71--I've had a great last 10 years working for a B1G university after retiring from a 30 year career in the Federal government. It's time to get on with the rest of my life, which will begin July 4.
by Old Guy
Tue May 20, 2014 3:21 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: Roll Call for the Retirement Class of 2014!

July 4, 2014. We got the offer back on our Chicago place and the buyer is going to pay more than we expected. Very pleased. Sold in only six days.
by Old Guy
Mon May 19, 2014 6:17 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: Roll Call for the Retirement Class of 2014!

Five more weeks and I couldn't be busier. The announcement for my replacement hasn't been published yet. We have an offer on our Chicago condo, which we are still negotiating. Even if we accept the initial offer, and we subtract sales costs and the remaining mortgage, we will come out ahead. Once we...
by Old Guy
Mon May 19, 2014 1:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29665

Re: 2600 days of every dollar tracked

Too much alcohol. It will increase your health costs down the road.
by Old Guy
Mon May 19, 2014 7:21 am
 
Forum: Investing - Help with Personal Investments
Topic: 2600 days of every dollar tracked
Replies: 68
Views: 6278

Re: UCLA vs USC Decision [Which college to attend]

1. UCLA IS NOT a significantly better school than USC for undergraduates. In the US News ranking for 2013 both were tied at 23. 2. Ratings differ for individual programs. Check those. 3. USC is not in a terrible part of town. It is in the West Adams/Exhibition Park/University Park area. It is right ...
by Old Guy
Fri May 16, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 4495

Re: Are Single Premium Annuities a good deal?

What about the TSP annuities? Do any of you have them?
by Old Guy
Wed May 14, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Are Single Premium Annuities a good deal?
Replies: 91
Views: 5185

Re: Share your networth progression

11.3.2008 $381,466.78 5.13.2014 $1,093,151.50 This is on top of pensions that will be worth roughly $190,000 per year. We will each be triple dippers. Wife and I were a combined GS 29-18 with 58 years in the federal government at the time we retired so we had substantial income and now pensions (we ...
by Old Guy
Wed May 14, 2014 8:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Share your networth progression
Replies: 132
Views: 25083

Re: RETIRING May 31! Any advice .....?

Another member of the class of 2014. I'll be retiring from my retirement job at a university on July 5. Two days later we will be going to Aruba for two weeks. My wife retired from her retirement job with the state two weeks ago. We need to sell our condos in Chicago and Madison and then we will goi...
by Old Guy
Sun May 11, 2014 7:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 9032

Re: Annuities - Is Anyone Satisfied?

How do folks feel about TSP annuities?
by Old Guy
Fri May 02, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuities - Is Anyone Satisfied?
Replies: 37
Views: 2524

Re: Medicare and FEHB

Thank you.

Its is confusing. OTOH I am glad to have the options whatever they are.
by Old Guy
Tue Apr 22, 2014 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1337

Re: Medicare and FEHB

Don't you have to be "sick" to use "sick leave"? Perhaps you could elaborate. In Wisconsin when public employees retire, I work for the University, unused sick leave can be used to pay for continuation of medical coverage. Since we do not intend to spend one more winter in Wisco...
by Old Guy
Mon Apr 21, 2014 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1337
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