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Re: Talking to People About Retirement

Just tell people, "it's time." When I first retired, I was very self conscious when I would see colleagues who were still working. That feeling fades gradually over time and now I accept that retirement is my job! I also tell people that I "work," but just don't get paid for it. ...
by RooseveltG
Wed Apr 15, 2015 6:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 6338

Re: Password manager recommendations?

I use 1Password because it allows multiple "vaults." The "primary" vault holds my passwords, logins, etc. and the secondary one holds my wife's passwords. It is set up in reverse order on her computer and we both use the same long password to log into the program. When I am no lo...
by RooseveltG
Mon Apr 13, 2015 6:39 am
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2487

Re: Best Classical Music Box Sets?

Great suggestions. The biggest problem is that once you have a sampler set, other box sets tend to overlap. While I understand the advantage of hearing different interpretations, for those of us just trying to expand our musical knowledge base the choice of which box to buy next is a challenging one...
by RooseveltG
Tue Mar 10, 2015 8:34 am
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 2068

Re: Best Classical Music Box Sets?

Thanks for the replies.

I use Spotify but find it cumbersome (and dangerous) to use in my car through bluetooth. It is far easier to load music on to an iPod and then select tracks through the central display.

Roosevelt.
by RooseveltG
Mon Mar 09, 2015 8:32 am
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 2068

Best Classical Music Box Sets?

I am a newbie to classical music and purchased the RCA Living Stereo Collection 1 last summer. RCA has a Collection 2 and there are also collections from Mercury, Decca, etc. Many of these collections overlap and I am looking for the best collections to complement what I already have. Any suggestion...
by RooseveltG
Sun Mar 08, 2015 2:52 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 2068

Re: Evernote Premium Worth It?

Thanks for the replies. You can backup Evernote through the Evernote app on the Mac. I don't think there is a way to automate the process so it needs to be performed manually on some type of schedule. You could lose notes added since your last backup. Is Microsoft OneNote a viable option? Roosevelt.
by RooseveltG
Sun Mar 08, 2015 7:53 am
 
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2164

Evernote Premium Worth It?

I have used Evernote for several years. Unlike Dropbox, you cannot lock it on your phone unless you upgrade to Premium. There are other advantages (more storage, PDF editing, etc.). If any of you have upgraded, I would be interested in your thoughts.

Thanks in advance. Roosevelt.
by RooseveltG
Thu Mar 05, 2015 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Evernote Premium Worth It?
Replies: 28
Views: 2164

How to Choose a Realtor to Sell Condo

Any suggestions on how to choose a realtor to sell a condo?

Thanks in advance for any general advice.

Roosevelt.
by RooseveltG
Sun Mar 01, 2015 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Choose a Realtor to Sell Condo
Replies: 5
Views: 328

Re: Best Condo Sell Strategy?

You are correct, I meant 110% of market price. (Not very Boglehead like of me to miss that).

Thanks.

Roosevelt.
by RooseveltG
Mon Feb 16, 2015 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 975

Best Condo Sell Strategy?

My wife and I are considering selling our rust belt city condo in the next few years. Our local market has always been soft with minimal appreciation (no boom, no bust). Although we are in no hurry, we are considering putting the condo on the market for 10% of probable market value, soft pedaling th...
by RooseveltG
Mon Feb 16, 2015 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Best Condo Sell Strategy?
Replies: 17
Views: 975

Re: Worth Upgrading to LED Lighting?

I have only a few weeks of experience with LEDs so I cannot assess the reduction in my electric bills yet. Our kitchen is on the brown side and the LEDs seem warmer there than in other locations. I placed a 50 Watt equivalent LED in my study and at first the lighting seemed harsh. I am now used to i...
by RooseveltG
Sun Feb 08, 2015 7:14 am
 
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 45
Views: 3648

iPhone 6 Plus: Too large or Do You Get Used to It?

I currently use an iPhone 5 and an iPad Mini for travel. I also find there are times where I am stuck in traffic, lines, appointments, etc. where it would be nice to read something larger than my iPhone (without also carrying the iPad). What are your experiences with the larger iPhone 6 Plus? Too la...
by RooseveltG
Sun Feb 08, 2015 7:02 am
 
Forum: Personal Finance (Not Investing)
Topic: iPhone 6 Plus: Too large or Do You Get Used to It?
Replies: 42
Views: 3162

Worth Upgrading to LED Lighting?

When does the cost of replacing working lights with LED lighting make sense? I have used them in our high traffic areas (kitchen, hallway, master bathroom) but not in all locations.

Any thoughts on this would be appreciated. Thanks in advance.

Roosevelt.
by RooseveltG
Sun Feb 08, 2015 6:56 am
 
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 45
Views: 3648

Re: Tax Advice - Will retire and be a Florida resident for 2

Two more pearls based on hard learned experience:

1. Obtain a "Declaration of Domicile" from your county office in FL.

2. Make certain you give up your Homestead Exemption in the state you move from the year you declare residency in Florida.

Roosevelt.
by RooseveltG
Tue Dec 30, 2014 6:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Advice - Will retire and be a Florida resident for 2 yrs
Replies: 10
Views: 1116

Re: Odds of portfolio survival = 90%; odds of my survival =

I would highly recommend the book "Being Mortal: Medicine and What Matters in the End," by Atal Gawande to better understand end of life issues. Gawande explains that the primary goal of hospice/palliative care is to maintain quality of life, even if the level of care results in a shorter ...
by RooseveltG
Thu Dec 18, 2014 7:49 am
 
Forum: Investing - Theory, News & General
Topic: Odds of portfolio survival = 90%; odds of my survival = 0.1%
Replies: 171
Views: 11926

Re: A Visit to Pittsburgh

I have given many informal tours of Pittsburgh. A few thoughts: 1. One of the coolest areas is the Strip District, which is filled with food shops, restaurants, sports paraphernalia, etc. 2. Downtown is filled with many architectural gems from turn of the century buildings to PPG Place, which was de...
by RooseveltG
Fri Dec 12, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: A Visit toPittsburgh
Replies: 35
Views: 2116

Phone Settings for AT&T International Travel Plans?

AT&T now has international travel plans that include unlimited texting, small amounts of data download and phone calls for a cost (depending on the price of the plan). Phone call costs range from 35 cents to a dollar a minute. I will be carrying an iphone 5. Can someone clarify the phone setting...
by RooseveltG
Mon Oct 27, 2014 7:03 am
 
Forum: Personal Consumer Issues
Topic: Phone Settings for AT&T International Travel Plans?
Replies: 2
Views: 367

Re: Investment Policy Statement - share your sample template

It took me a very long time to write a simple IPS. I wanted a bare bones outline that I could quickly review without needing to explain indexing, etc. Our ages are 62/61 and we are retired. Some who review this may disagree with our bond allocation. In retrospect, I wish I had stayed with more TIPS ...
by RooseveltG
Thu Oct 16, 2014 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Investment Policy Statement - share your sample template?
Replies: 8
Views: 1406

Re: Mold under Marble Tiles?

Great answer. Thanks.

Roosevelt.
by RooseveltG
Mon Oct 13, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Mold under Marble Tiles?
Replies: 7
Views: 720

Re: Apple Airport Extreme vs Express as Range Extender

Thanks for the tip. Do those electrical outlet wi fi signals really work as well as wireless range expanders?

Roosevelt.
by RooseveltG
Mon Oct 13, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 869

Re: Mold under Marble Tiles?

The problem with checking"is pulling up a tile and possibly damaging other tiles in the process.

I was wondering if others had experience with this.

Thanks again.

Roosevelt.
by RooseveltG
Mon Oct 13, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: Mold under Marble Tiles?
Replies: 7
Views: 720

Apple Airport Extreme vs Express as Range Extender

We are using an older Apple Airport Extreme base station with a newer Airport Express range extender. Our internet speeds fall off rapidly as we move away from the base station. We are considering upgrading to the new (vertical tower) Airport Extreme and using the older Extreme as a range extender. ...
by RooseveltG
Mon Oct 13, 2014 6:14 am
 
Forum: Personal Consumer Issues
Topic: Apple Airport Extreme vs Express as Range Extender
Replies: 7
Views: 869

Mold under Marble Tiles?

Our Florida condo sustained water damage from an unrecognized leaking refrigerator over several months. The floor consists of large marble tiles. The grout has expanded and extruded from several seams but only 1 tile has a small (1 mm) amount of displacement. The condo below us sustained significant...
by RooseveltG
Mon Oct 13, 2014 6:04 am
 
Forum: Personal Consumer Issues
Topic: Mold under Marble Tiles?
Replies: 7
Views: 720

Cloning and File Backup to Same External Hard Drive?

I currently use a cloning program (MAC, Carbon Copy Cloner) to backup my hard drive and am wondering if it is possible to use the same external hard drive to separately backup independent files? This would save the expense of having a dedicated drive for a clone of the hard drive and another drive f...
by RooseveltG
Tue Sep 30, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Cloning and File Backup to Same External Hard Drive?
Replies: 2
Views: 348

Re: Golf School Recommendations, East Coast?

Thanks, I have but I understand golf school is much more immersive.

Rooseveltr.
by RooseveltG
Thu Aug 14, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Golf School Recommendations, East Coast?
Replies: 11
Views: 819

Golf School Recommendations, East Coast?

I am new to golf and have not improved with self instruction. Can anyone recommend good golf schools in the eastern half of the US?

Thanks in advance.

Roosevelt.
by RooseveltG
Thu Aug 14, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Golf School Recommendations, East Coast?
Replies: 11
Views: 819

Re: Physician Long term Disability- Premium pre or post tax

Post tax. During your working years, you have options to work harder (if not an employee) or longer if you have not met your financial goals. If you become disabled, you have no options. I think it makes more sense to pay for disability insurance with pre-tax dollars while you have flexibility and e...
by RooseveltG
Mon Aug 11, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Physician Long term Disability- Premium pre or post tax
Replies: 21
Views: 1469

Re: Travel Insurance: Tin Leg Insurance Co., Est. 2013?

I passed on Tin Leg. It appears to be a company started by Squaremouth.

Thanks again for the info.

Roosevelt.
by RooseveltG
Mon Aug 11, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance: Tin Leg Insurance Co., Est. 2013?
Replies: 5
Views: 519

Travel Insurance: Tin Leg Insurance Co., Est. 2013?

We are purchasing travel insurance from Squaremouth and the low cost provider is a company called "Tin Leg." It has an A+ rating from Best and was started in November 2013. It appears to be part of American Modern Home Insurance Company. I have never heard of the company and is relatively ...
by RooseveltG
Fri Aug 08, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance: Tin Leg Insurance Co., Est. 2013?
Replies: 5
Views: 519

Re: PDF Web Hosting Services?

Thanks. It worked!

Roosevelt.
by RooseveltG
Sun Aug 03, 2014 5:58 am
 
Forum: Personal Consumer Issues
Topic: PDF Web Hosting Services?
Replies: 2
Views: 346

PDF Web Hosting Services?

Does anyone have experience with or recommendations for PDF hosting services? I would like to place links to pdf articles I have written on my Facebook page.

Thanks in advance.

Roosevelt.
by RooseveltG
Sat Aug 02, 2014 7:12 am
 
Forum: Personal Consumer Issues
Topic: PDF Web Hosting Services?
Replies: 2
Views: 346

Wireless Headset to use with Cordless Phone System?

We use a Panasonic cordless phone system with a Plantronics wired headset. The headset shorts out every few months and we would like to replace this with a higher quality wireless headset. VTech manufactures a cordless phone system with integrated wireless headset but the reviews are not good. Are t...
by RooseveltG
Mon Jul 28, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Wireless Headset to use with Cordless Phone System?
Replies: 0
Views: 205

Re: Snowbirds: Best Mail Forwarding Options?

My "permanent" address is in Florida. I am concerned about missing tax notices, license renewals, etc. The downside risk of ignoring a tax notice is significant. One question: if standard mail forwarding works so well, why would the post office offer a "Premium" service? Roosevelt.
by RooseveltG
Wed May 07, 2014 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 2702

Re: Snowbirds: Best Mail Forwarding Options?

I do that as well but not everything is convertible to the web.

Roosevelt.
by RooseveltG
Wed May 07, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 2702

Snowbirds: Best Mail Forwarding Options?

We split our time between Florida and the north. Last year, we used the USPS "Change of Address" option that cost $1.05 and it did not work well. A large box of mail accumulated at our winter rental and was subsequently lost! This year we are considering the more expensive "Premium Fo...
by RooseveltG
Wed May 07, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Snowbirds: Best Mail Forwarding Options?
Replies: 24
Views: 2702

Luminox Watch Fans: Mineral Crystals and PVD Steel?

I am in the market for a Luminox watch. Two questions for those of you who have owned one: 1. Do the ones with mineral crystals (vs. sapphire) scratch easily? 2. Do the PVD coated steel cases scratch easily, revealing the underlying silver colored steel? Any other suggestions/advice would be appreci...
by RooseveltG
Fri Apr 18, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Luminox Watch Fans: Mineral Crystals and PVD Steel?
Replies: 1
Views: 318

Re: making your own will or trust

I posted this last year: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=112087 I found an attorney who was very reasonable. She pointed out significant problems with my "do it yourself" will. With a simple estate, doing it yourself may make sense but for any complexity an attorney...
by RooseveltG
Wed Apr 16, 2014 6:02 am
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 2258

Re: Use Broker to buy health insurance?

Interesting, thanks.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use Broker to buy health insurance?
Replies: 2
Views: 259

Use Broker to buy health insurance?

We are purchasing health insurance from a Blue Shield plan. My wife thinks a broker is better than buying directly through the company. It sounds counter intuitive to me, but can anyone comment on their experience? Do they add value or just increase the cost?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Use Broker to buy health insurance?
Replies: 2
Views: 259

Re: Purchasing Out of State Health Insurance Question

The real question for those who split time between states, is whether one needs to purchase insurance in the state where they are residents.

I also "live" in my non official residence state half the year, pay property taxes and see physicians there.

Roosevelt.
by RooseveltG
Wed Apr 09, 2014 6:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing Out of State Health Insurance Question
Replies: 2
Views: 217

Purchasing Out of State Health Insurance Question

Does anyone know if you are required to purchase health insurance in your own state. I spend 6 months in 2 different locations and the health care premiums in the state where I am not a resident are lower than the state where I am a resident. I would prefer to purchase the less expensive out of stat...
by RooseveltG
Tue Apr 08, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing Out of State Health Insurance Question
Replies: 2
Views: 217

Re: Mayo clinic is the best clinic in America ??

There are many excellent medical centers including Mayo, Cleveland Clinic, Johns Hopkins, etc. My approach as a retired physician has been to select the best physician regardless of location. Who you see is more important that where you go. Clinical experience is key. You want to see a physician who...
by RooseveltG
Fri Apr 04, 2014 8:28 am
 
Forum: Personal Consumer Issues
Topic: Mayo clinic is the best clinic in America ??
Replies: 30
Views: 3292

Re: Worth fighting ticket to avoid points, higher insurance?

Can the downsides of extra points and the increase in insurance cost be quantitated?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Mar 05, 2014 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 3295

Worth fighting ticket to avoid points, higher insurance?

My 21 year old nephew received a traffic ticket in Alexandria, VA for going straight in a right turn only lane. The fine was $91 and 3 points were assessed against his license. He rented a zip car, drove 8 miles in D.C. traffic and went to court, however he was not called after several hours and had...
by RooseveltG
Wed Mar 05, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 3295

Re: Audiophiles: Worth upgrades to improve itune sound?

Two final questions: 1. I deduce from the answers that the Sennheisers would be a major upgrade over the Bose noise canceling headphones. I really don't need the noise canceling and prefer over the ear phones. 2. It sounds like the headphone DAC/Amplifier may not be worth it and most of the improvem...
by RooseveltG
Tue Jan 14, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1740

Re: Audiophiles: Worth upgrades to improve itune sound?

Thanks again.

Any thoughts on this scenario:

1. Convert selected albums to AAC file version in iTunes.
2. Switch to Sennheiser HD 650 Headphones
3. Consider Audioengine D3 DAC/Headphone amplifier.

Critiques or suggestions appreciated!

Roosevelt.
by RooseveltG
Tue Jan 14, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1740

Re: Audiophiles: Worth upgrades to improve itune sound?

Thanks for the info.

Will you hear improvement with a DAC/Amplifier if most of your music is mp4 files or do you need higher def files?

Roosevelt.
by RooseveltG
Mon Jan 13, 2014 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1740

Audiophiles: Worth upgrades to improve itune sound?

I am listening to music through the earphone jack on my mac with Bose noise canceling headphones. The audiophile web sites recommend a software program (like Amarra Hif) to take over itunes, a desktop DAC/Amp and better (non noise canceling) headphones. Is the sound that much better? Are these upgra...
by RooseveltG
Mon Jan 13, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Audiophiles: Worth upgrades to improve itune sound?
Replies: 15
Views: 1740

Wind Insurance for FL Condos?

Although this topic has been covered, I am in the market for a private insurance company to replace Citizen's for condo wind coverage.

Are there any financially solid private insurance companies that will underwrite this risk?

Thanks in advance.

Roosevelt.
by RooseveltG
Wed Dec 11, 2013 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wind Insurance for FL Condos?
Replies: 1
Views: 255

Re: What do early retirees actually do in Florida?

I spend half the year in a rust belt city with an aging population not much different than Florida but somehow it "feels" younger up North. We are in our early 60s and live between Ft. Lauderdale and W. Palm Beach. Compared to the north, the people we see in restaurants and religious servi...
by RooseveltG
Mon Dec 09, 2013 7:22 am
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 15774
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