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Re: Will you buy an Apple Watch?

reneeh63 wrote:
...truth is that there have been numerous attempts to market and sell "smart watches" and they have not succeeded.

They will not succeed until the porn industry figures out how to use them. :idea:
by TravelforFun
Sat Mar 28, 2015 11:07 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17963

Re: Long Term Care Insurance Premium Increase

Mitchell777 wrote:Does inflation adjusted mean the policy is $7K per month at purchase and the $7K is adjusted for inflation each year even though you are not yet using it? Thanks

My monthly benefit would be adjusted for inflation each year whether or not I am receiving the benefit payments.
by TravelforFun
Thu Mar 19, 2015 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 20
Views: 1459

Re: Long Term Care Insurance Premium Increase

island wrote:Who do you all purchase your insurance from, what's the company?

Unum through my previous employer.
by TravelforFun
Thu Mar 19, 2015 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 20
Views: 1459

Long Term Care Insurance Premium Increase

My LTC Insurance Company notified me today that they will increase my premium by 25% in May, 25% next May, and 20% in May 2017. Has anyone on this forum experienced such a sharp premium increase? We've been paying $250 a month for our policy which would cover LTC for both of us for 3 years at $7,000...
by TravelforFun
Wed Mar 18, 2015 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance Premium Increase
Replies: 20
Views: 1459

Re: One Level or Two Level House

I have a two-story home and all the bedrooms are upstairs. Kitchen is downstairs but bedrooms and library are upstairs and that gives me a great way to exercise. I go up and down that stairs at least 30 times a day when I'm not at work. I may have a different opinion 20 years from now but for now, I...
by TravelforFun
Mon Mar 16, 2015 11:21 pm
 
Forum: Personal Consumer Issues
Topic: One Level or Two Level House
Replies: 68
Views: 5640

Re: Buying Euro for Vacations?

jose wrote:
Pick a good debit card that charges no ATM or FX fees, and just go to the ATM. You can get about 600 eur per day, at interbank rate, no fees.

Which debit cards that charge no ATM nor transaction fees overseas?
by TravelforFun
Mon Mar 16, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 2493

Re: If I Knew Then What I Know Now

Mlelbuf, I posted your speech verbatim on my Facebook page and it has been shared or reposted several times. Great job!
by TravelforFun
Sun Mar 15, 2015 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 51
Views: 7376

Re: Cruise.Com Bait and Switch Tactics

I use Costco when I book cruises. Fair prices and GREAT customer service.
by TravelforFun
Sun Mar 15, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Cruise.Com Bait and Switch Tactics
Replies: 28
Views: 2949

Re: Buying Euro for Vacations?

I just bought enough Euros for our next two trips. From where? Unless you're already in Europe and can simply withdraw excess cash from an ATM over several days prior to leaving, you're likely looking at forex fees that could wipe out the "discount". Yes, please tell me where. From my ban...
by TravelforFun
Fri Mar 13, 2015 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 2493

Re: Buying Euro for Vacations?

We go to Europe every couple of years. Last year we paid $1.25 for each Euro and now it's about $1.08. I just bought enough Euros for our next two trips.
by TravelforFun
Fri Mar 13, 2015 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying Euro for Vacations?
Replies: 33
Views: 2493

Re: What won't you pay with Credit Card?

I pay for everything with one of my two credit cards unless they charge a fee for using them. Amex for Costco stuff and Barclay Arrival for everything else. Love the Barclay one.
by TravelforFun
Thu Mar 12, 2015 11:07 pm
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8305

Re: Loaning money to an only child

We don't lend money to our kids. We would give them what we could but no loans and no cosignings. It all boils down to whether they are responsible with money or not. If they are responsible, they will get out of debt without anyone's help. If they're not, credit card balance will re-appear and they...
by TravelforFun
Sun Mar 08, 2015 12:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Loaning money to an only child
Replies: 17
Views: 1411

Re: WSJ article about boosting retirement income by approx.

So whenever we do sell, the profits (hopefully the $500k tax-free situation will still hold) will just go into the pot, for investment, a few laddered SPIA's and modest deferred annuities, and "income for living each year", in addition to SS (and part time consulting while interest and ab...
by TravelforFun
Sun Mar 08, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: WSJ article about boosting retirement income by approx. 30%
Replies: 8
Views: 1749

Re: When will / did you claim Social Security benefits?

Nothing that can't be solved by a spreadsheet. Wife is 4 years younger than me, her SS benefit is less than 1/2 of mine, her family longevity is longer than mine, and we have sufficient investment to live on without relying on SS. Put all those factors into the spreadsheet and it spits out this stra...
by TravelforFun
Sat Mar 07, 2015 12:30 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 147
Views: 10428

Re: What is your credit score?

dccboone wrote:A credit score is not a sign of wealth.

True but one's credit score can tell a lot about how financially responsible one is.
by TravelforFun
Sat Mar 07, 2015 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4569

Re: 2 comma club (my way)!!

Congratulations to the OP and spouse! Took us 30 years to make the club on one income starting with nothing. No lottery winning nor inheritance along the way.
by TravelforFun
Fri Mar 06, 2015 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 7786

Re: What is your credit score?

Barclay Arrival Card gives you free FICO scores. Mine is 844 but it doesn't do me any good because I neither need nor want to borrow money.
by TravelforFun
Wed Mar 04, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 4569

Re: Can I afford it?

No, you cannot afford it. Get your assets up above $2MM, then look again. In the meantime, it is a used Camry or Accord for you. When your portfolio gains $41,000 in one single day is the day that you can afford a $41,000 car. This must be a joke. You would have to have $125 million in investment i...
by TravelforFun
Mon Mar 02, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5642

Re: vanguard forfeited all my dividends and capital gains

So Vanguard closed the account because the OP is a non-resident alien. I wonder had the OP lost money, would Vanguard have returned the original amount to the OP and eaten the loss.
by TravelforFun
Mon Feb 16, 2015 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: vanguard confiscated all my dividends and capital gains
Replies: 17
Views: 3955

Re: Mental games

I speak one language at home, one language at work; keep up with friends on social media, keep up with the news, pay attention to our investment portfolio, make travel arrangements, and play three games on Chess.com daily. Soduku is getting boring.
by TravelforFun
Mon Feb 16, 2015 12:22 am
 
Forum: Personal Consumer Issues
Topic: Mental games
Replies: 32
Views: 2621

Re: Paperless Office?

This is what I have done: 1) Gotten a good quality multi-page scanner and scanned and filed all important documents 2) Downloaded and saved statements from financial firms, insurance companies, utility companies, etc... 3) Downloaded owners' manuals from manufacturers and thrown out hard copy manual...
by TravelforFun
Sun Feb 08, 2015 7:49 pm
 
Forum: Personal Consumer Issues
Topic: Paperless Office?
Replies: 55
Views: 3196

Re: How to make this fair: gifting to kids with different me

Our kids are all different. Two are more successful than the third one and we give them differently. So in this example, I would explain to A that we're so proud of his/her accomplishment and wish that B had been more accomplished but since he/she is not, we feel we would need to help him/her a litt...
by TravelforFun
Sat Feb 07, 2015 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 9170

Re: What was your costliest investment mistake?

Selling Apple and American Airlines too early.
by TravelforFun
Mon Jan 19, 2015 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 138
Views: 13179

Re: places to stay in Paris and Nice

Nice, France and the entire region is awesome!
http://bocung.com/cote_dazur_2010.html
by TravelforFun
Sat Jan 10, 2015 8:09 pm
 
Forum: Personal Consumer Issues
Topic: places to stay in Paris and Nice
Replies: 10
Views: 1553

Re: Start a Roth IRA for Grandson

Aside from whether your plan gets past the IRS and you can find an IRA custodian, what's the end game for all of this? The end game is that if my grandson could contribute to his Roth every year for the next 55 years, the non-taxable withdrawals would be very sweet. And yes, Fidelity would allow hi...
by TravelforFun
Tue Jan 06, 2015 11:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2155

Re: Start a Roth IRA for Grandson

rkhusky wrote:You could even pay him the $3K/year and then gift him another $3K to put in the Roth IRA.

You can only put earned income into an IRA or a Roth IRA.
by TravelforFun
Tue Jan 06, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2155

Re: Start a Roth IRA for Grandson

Let me ask the other way around..... How would you convince the IRS auditor that a related child (with presumably no equipment of his own) been paid a professional level salary is not a tax dodge? If you believe that you can make a convincing argument then go for it. I don't understand this questio...
by TravelforFun
Mon Jan 05, 2015 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2155

Re: Start a Roth IRA for Grandson

I think it's legit as long as you pay him the market rate for his work - you can't pay him $50 per hour for yard work when professional landscapers are getting $10-15. The question is whether you'll have 200 hours of yard work for him to do (and whether he wants to do 200 hours of yardwork) Thanks ...
by TravelforFun
Mon Jan 05, 2015 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2155

Start a Roth IRA for Grandson

I want to open a Roth IRA for my 10-year-old grandson in 2015. I could hire him to do yard work and chores around the house and he could use the income to fund his Roth. I would pay him $3K per year and he would contribute to his Roth the maximum limit of $2K per year. Of course I would give him a F...
by TravelforFun
Mon Jan 05, 2015 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start a Roth IRA for Grandson
Replies: 30
Views: 2155

Re: Roll Call for the Retirement Class of 2014!

Not counting those who don't list their ages, the average age for this retirement group is 60.06. This is really a young age to be out of the work force. I'm past 60 and hope to continue to work until I'm 70. Not because of financial reasons but because I love my job and the people I work with. Plus...
by TravelforFun
Tue Dec 30, 2014 9:04 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 29436

Re: Do you celebrate financial milestones?

We celebrated twice: First time when we made the two-comma club and the second time when we paid off our mortgage and became debt-free. We had worked very hard to achieve these goals and when we did, we took our kids, grandkids and a few relatives out to a nice steakhouse to celebrate. Working on ou...
by TravelforFun
Fri Dec 26, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 117
Views: 14447

Cooking Lessons

I need help! I have zero cooking experience and want to change that in 2015. I want to surprise my wife by becoming a cook... not just any cook, but one that can prepare french and italian dishes. As I mentioned, this will be a surprise so I can't use YouTube videos and practice at home. I could tak...
by TravelforFun
Sat Dec 20, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Cooking Lessons
Replies: 22
Views: 2197

Re: Gas Prices ($1.99) in North Texas

Don't be fooled by the low gas price and rush out and buy big SUVs or trucks. If you are in the market for a new vehicle, there are huge discounts on fuel - efficient cars right now.
by TravelforFun
Sat Dec 20, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3144

Re: Gift to Yourself

Gave myself the best gift ever today. My wife and I walked into a Toys R Us today and paid off the layaway accounts of 6 people, who will receive phone calls telling them to come in and pick up their gifts, and even better, we paid off the account of a young woman who came in to pay her bill and pi...
by TravelforFun
Sat Dec 13, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Gift to Yourself
Replies: 37
Views: 5251

Re: Roth versus Traditional Debate

Newcat, this is a major problem for people who have most of their assets tied up in tax - deferred accounts. Even after we retire, the RMD amounts will keep us in high tax brackets. Had I known what I know now, I would have invested just enough in 401K to get the employer's match and maxed out on Ro...
by TravelforFun
Wed Nov 26, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Roth versus Traditional Debate
Replies: 50
Views: 4777

Re: lock-up for 20 years [20 year CD]

I would not. 20 years is a long time to lock up money at 4% interest. Inflation will raise its ugly head again and it would not surprise me to see CD rates in double digit again. The only rate you should lock up is the low mortgage interest rate.
by TravelforFun
Wed Nov 19, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: lock-up for 20 years [20 year CD]
Replies: 21
Views: 2984

Re: How premium cable can cost $59K

Everybody is different. Some like to watch premium channels, some enjoy fine dining, some like to travel, some love to buy things. As long as we have a budget, spend less than what we make, save and invest the difference wisely, and get to do things we enjoy... To me, that's living.
by TravelforFun
Sat Nov 15, 2014 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: How premium cable can cost $59K
Replies: 45
Views: 6822

Re: Slingbox to "Wire" TV two floors away?

Are you an AT &T Uverse subscriber? I had the same problem then I got an AT&T Uverse wireless receiver and now can plug the receiver to any TV to watch any program. Watching sports is more fun with theTV set up in the yard while grilling.
by TravelforFun
Sat Nov 15, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Slingbox to "Wire" TV two floors away?
Replies: 22
Views: 2464

Re: Bogleheads, tell me about your 40's?

I'm about a year away from turning 40. What did you learn, what do you wish you had done differently, or what do you wish you had known at 40? Did you have any "crisis" experiences? Let's hear it! I learned that my 40's were our toughest years and that our 50's were much better than 40's....
by TravelforFun
Sat Nov 15, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 103
Views: 20257

Re: Assisted Living

subham wrote:I took a LTC policy last year before prices hiked. Not sure if its a good idea financially.


It is if you want to protect your assets not unlike purchasing your homeowners insurance.
by TravelforFun
Wed Nov 12, 2014 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Assisted Living
Replies: 24
Views: 2315

Re: Transition from Saving to Spending

But when she dies, our kids have a tax problem. At best, they get to roll their shares into an "Inherited IRA" and take RMDs using my life expectancy (and without any step-up in basis). At worst, the estate has to liquidate the IRA and pay ordinary income tax on the whole thing, as laid o...
by TravelforFun
Wed Nov 12, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transition from Saving to Spending
Replies: 37
Views: 5362

Re: Your car(s) are equal to how many months income

Bogleheads are cheap when it comes to cars, clothes, and watches.
by TravelforFun
Wed Nov 12, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Your car(s) are equal to how many months income
Replies: 93
Views: 6836

Re: Running contrary to the rule

Sounds like two separate investing philosophies...one set of rules for "those who have" and another set for the "average man". Lucky3 One size doesn't have to fit all. If you can live comfortably on pension and SS, no need to increase your bond or CD holding as you get closer to...
by TravelforFun
Mon Nov 10, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: Running contrary to the rule
Replies: 8
Views: 624

Re: New Tony Robbins Book on Financial Freedom

wxz76 wrote:You're probably thinking about Kevin Trudeau.


Whatever happened to Kevin Trudeau? I was facinated with the expose ABC did on him a while back.
by TravelforFun
Sun Nov 02, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 90
Views: 22822

Re: Bonds: Percentage or Absolute Dollar Amount

I plan on having enough bonds, cash and CDs (low risk investments) to cover 10 years of expenses when I retire, and since my planned safe withdrawal rate is 3%, 30% of my asset will be of the low risk investment kind on the date of my retirement. Then every year, I'll rebalance to maintain the 30%. ...
by TravelforFun
Sat Nov 01, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds: Percentage or Absolute Dollar Amount
Replies: 11
Views: 603

Re: What are you up YTD?

80% equity. YTD up 18% partly due to a sale of American Airlines stock and buying Apple stock in August 2014.
by TravelforFun
Fri Oct 31, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30511

Re: Do you dream about retirement?

bertilak wrote:I'm retired and dream about work!

Not retired yet but this is what I'm afraid because I love what I do.
by TravelforFun
Mon Oct 27, 2014 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 7597

Re: "I've had it" at work - how often

I'm in engineering and construction and I can say my work today is as exciting and satisfying as it was when I began my career 38 years ago. I've had four employers. I stayed with the first three ten plus years each and am in my third year with the current employer. I think if you choose a field tha...
by TravelforFun
Sat Oct 18, 2014 9:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 13042

Re: Is it possible to have a favorite movie

Most favorite: Godfather II. There are several close seconds.
by TravelforFun
Fri Oct 17, 2014 9:45 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3441

Re: When people put all their eggs in the wrong basket

greg24 wrote:Unfortunately, greed has a large part in such an undertaking.

Agree! Stupidity didn't cause those people to put all their money in one stock. Greed did. The same greed that lures older folks to investment lunches and dinners.
by TravelforFun
Wed Oct 08, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 31483
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