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Re: Savers vs. Spenders: Default Mode

Money's purpose (or telos, in the philosophical sense) is to be spent. I want to "enjoy" every dollar that I spend, because I use it to provide for my needs and to give me the pleasure of the things that I want. If I don't enjoy spending my money, then the money hasn't served its purpose....
by TravelforFun
Wed Aug 27, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2188

Re: What is your most memorable 1 week vacation?

TravelforFun wrote:Just got back from an eight-day trip to Mykonos and Santorini. I highly recommend it.

Highly Recommeded! http://bocung.com/going_to_greece.html
by TravelforFun
Mon Aug 25, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7653

Re: Retirement Fund Withdrawal and Term Life Insurance

To the OP--did you take action on that insurance plan? We are also considering this TIAA-CREF insurance policy as an alternative to CDs... We are probably doing 2MM in second to die policy as just short term holding vehicle for next 2-3 years depending on what happens with the Fed's rate. Have had ...
by TravelforFun
Sun Aug 24, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Fund Withdrawal and Term Life Insurance
Replies: 11
Views: 1257

Re: Pay cash for flight on sale, or use FF mileage quandry

I use Barclay card and redeem points to pay for travel expenses. I earn at least 1 point for each dollar charged to my card. You can redeem points for cash back but you would get more value if you redeemed points to pay air fares or hotel bills. My points are easily worth 2 cents per point. No need ...
by TravelforFun
Sat Aug 23, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Pay cash for flight on sale, or use FF mileage quandry
Replies: 29
Views: 1957

Re: What is your most memorable 1 week vacation?

Just got back from an eight-day trip to Mykonos and Santorini. I highly recommend it.
by TravelforFun
Thu Aug 07, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: What is your most memorable 1 week vacation?
Replies: 91
Views: 7653

Re: Who on here owned American Airlines Stock

I got everything back and more. Now, I'm shocked the other way.
by TravelforFun
Sat Jul 19, 2014 1:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 21
Views: 1977

Re: A Romney Problem

DonCamillo wrote:It is Romney's heirs that are going to get clobbered.


True! If he passed, his wife would be okay but when she passed, their kids would get clobbered!
by TravelforFun
Fri Jul 18, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2045

A Romney Problem

What other Bogleheads have done to soften the tax hit if you had most of your money in 401K and IRA accounts and had to take RMD? I will have to deal with RMD in a few years. I read somewhere that Mitt Romney has a similar problem.
by TravelforFun
Fri Jul 18, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Romney Problem
Replies: 16
Views: 2045

Re: investing and debt

I'd invest just enough to get the company match and throw everything at debts that have interest rates of 4% or higher because there is no risk-free investment that would give you that kind of return. Then I'd focus on the mortgage and pay it down as quickly as possible until I can eliminate the PMI...
by TravelforFun
Sat Jul 05, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: investing and debt
Replies: 22
Views: 1433

Re: Please Help Me Plan A Trip To Italy

I've been to Rome, Venice, Lake Como, Bellagio and the Amalfi Coast. I strongly recommend Amalfi Coast.
http://bocung.com/amalfi_coast_2011.html
by TravelforFun
Fri Jul 04, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 26
Views: 1898

Re: Continue subscribing to local newspaper?

Have not read hard copy newspapers, had land line phones, gone to a bank, and written checks for years. I'm not missing the good old days.
by TravelforFun
Fri Jul 04, 2014 1:05 am
 
Forum: Personal Consumer Issues
Topic: Continue subscribing to local newspaper?
Replies: 86
Views: 6389

Re: Who do you talk with about your financial goals?

Once a year, wife and I update our Asset List and send it to our three adult children. The list includes names of financial institutions where we have accounts, account numbers, and the amounts in the accounts. We don't have any debts hence, there is no Liability List. Kids seem to appreciate being ...
by TravelforFun
Tue Jul 01, 2014 1:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9174

Re: How much to retire

25-33x expenses less (annual amount of social security, pensions if any, 0.5x annual amount of dividends) For hypothetical example: Annual expenses with tax equals $60K Annual Social Security equals ($22k) Annual pension equals a big fat 0. Annual dividends equals (0.5x10k) ($5k) Target retirement ...
by TravelforFun
Sat Jun 28, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much to retire
Replies: 21
Views: 2963

Re: Want to Save Money? Be Polite!

astrohip wrote:
“And, in the end
The love you take
is equal to the love you make.”



My favorite Beatles' quote too.
by TravelforFun
Sat Jun 28, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6771

Quantum of the Seas

Any bogleheads who may be cruising on the brand new Royal Caribbean ship, the Quantum of the Seas, on 4/12/2015? I just booked it for me, my wife, and some of our friends and sure would like to meet up with you.
by TravelforFun
Fri Jun 27, 2014 1:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Quantum of the Seas
Replies: 1
Views: 470

Re: Want to Save Money? Be Polite!

A sign at a restaurant in Nice, France reads: Coffee Prices on the Terrace "One coffee" .....................................7 Euros "One coffee, please"............................4.25 Euros "Good morning! One coffee please" ....... 1.40 Euros http://www.theguardian.c...
by TravelforFun
Thu Jun 26, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6771

Re: How do you afford to travel?

To travel and to enjoy traveling, you have to have: money, time, good health, and a desire to see and learn new things. For oversea traveling, start small first by going to Canada or Mexico to see how you like to be on long flights, going through custom, and hanging with people who don't speak the s...
by TravelforFun
Thu Jun 26, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 68
Views: 6401

Re: Paperless Statements (bank checking acct)

No more hard copies for me. Bank, financial, insurance statements are all electronic now.
by TravelforFun
Thu Jun 26, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Paperless Statements (bank checking acct)
Replies: 64
Views: 3123

Re: Want to Save Money? Be Polite!

JupiterJones wrote:
TomatoTomahto wrote:You obviously don't live in NJ. We're not trusted to pump our own gas.


Oregon's the same way.


No I don't live in NJ or OR. Here in Texas, full-service gas stations no longer exist.
by TravelforFun
Thu Jun 26, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6771

Re: Want to Save Money? Be Polite!

TomatoTomahto wrote:My family accuses me of having the human equivalent of a puppy's wagging tail. It is nearly always appreciated by the various clerks, waiters, cashiers, gasoline pumpers, etc.


Gasoline pumpers? What's that? LOL
by TravelforFun
Wed Jun 25, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6771

Want to Save Money? Be Polite!

A sign at a restaurant in Nice, France reads: Coffee Prices on the Terrace "One coffee" .....................................7 Euros "One coffee, please"............................4.25 Euros "Good morning! One coffee please" ....... 1.40 Euros http://www.theguardian.co...
by TravelforFun
Wed Jun 25, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6771

Re: % of expenses in retirement

Ditto. Isn't it strange to think of having more money in retirement, when you're not working, than you did when you were working. We will spend every dime of our social security benefits (to be taken when I'm 70) plus 3% of our investment which will be equal to 200% of our pre retirement expenses.7...
by TravelforFun
Mon Jun 23, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 3287

Re: Poll: Dave Ramsey - Harmful or helpful?

twindad57 wrote:Overall helpful. I used his techniques when I was drowning in debt to get out of it.


I hope your diet wasn't just beans and rice and you didn't have to deliver pizzas.
by TravelforFun
Sun Jun 22, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5265

Re: Anyone regret paying off mortgage early?

No regrets. I'm very proud to have a paid-for home. It gives me a quiet satisfaction everyday when I come home from work.
by TravelforFun
Sun Jun 22, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 25252

Re: Dave Ramsey - Harmful or helpful?

Ramsey is the reason I became debt-free. Paid off my mortgage last year and will never take out another loan again. Investing wise, I follow bogleheads and put most of my equity in no-load index mutual funds.
by TravelforFun
Sun Jun 22, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5265

Re: % of expenses in retirement

We will spend every dime of our social security benefits (to be taken when I'm 70) plus 3% of our investment which will be equal to 200% of our pre retirement expenses.7 years to harvesting time and I look forward to it.
by TravelforFun
Sun Jun 22, 2014 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: % of expenses in retirement
Replies: 47
Views: 3287

Re: Is the first million really the hardest?

First million took 30 years, 2nd million 7 years.
by TravelforFun
Thu Jun 12, 2014 1:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7832

Re: Roll Call for the Retirement Class of 2014!

The average retirement age of those who posted their ages is 59.52. Folks sure are retiring earlier and earlier.
by TravelforFun
Tue Jun 10, 2014 12:07 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15425

Re: Is schwab good?

Schwab is great! They have similar products as Fidelity but better customer service. I love that they invite me to their hospitality suite at the Byron Nelson Golf Tournament here in Dallas every year.
by TravelforFun
Tue Jun 03, 2014 12:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Is schwab good?
Replies: 13
Views: 1082

Re: Do Bogleheads Offer to Pay Cash for Services?

I won't do business with individuals or firms who require payments in cash or would give me a big discount if I paid in cash. They are tax evaders who are getting a free ride from all of us.
by TravelforFun
Sat May 31, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Do Bogleheads Offer to Pay Cash for Services?
Replies: 26
Views: 1965

Re: Who are the BogleHeads.org heavyweights?

I value sscritic's opinion the most because I'm approaching retirement age. :thumbsup
by TravelforFun
Fri May 30, 2014 2:44 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9188

Re: Trip to Greece

Thank you all.
by TravelforFun
Fri May 23, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Greece
Replies: 8
Views: 708

Trip to Greece

Bogleheads, I will be vacationing in Greece and Turkey in July. I'll be in Athens, Mykonos, Santorini and Kusadasi. I know where to go, stay, and eat; and what to see but would appreciate any tips from those who had traveled to those places recently about some of things I need to watch out for like:...
by TravelforFun
Thu May 22, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trip to Greece
Replies: 8
Views: 708

Re: Roll Call for the Retirement Class of 2014!

Thank you VictoriaF for adding the ages to your list although one person's age was conveniently left out :happy
by TravelforFun
Wed May 21, 2014 12:56 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15425

Re: Least expensive day of the week to book flights?

If you live in or near Dallas, Southwest just announced fare sales on its new non-stop routes. I just bought 9 round trip tickets to Orange County, CA for $99 one way each. Sales end this Friday.
by TravelforFun
Wed May 21, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Least expensive day of the week to book flights?
Replies: 8
Views: 1080

Re: Roll Call for the Retirement Class of 2014!

I sure would like to know the ages of the folks on Victoria's list. I just turned 62 and plan on working until 70. Financially, I can retire now without drawing SS but I'm afraid I would be so bored and have to go back to work. My job is engaging and fairly stable.
by TravelforFun
Tue May 20, 2014 2:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 166
Views: 15425

Re: Social Security at 62? Let’s Run the Numbers

As one of the big bosses at work likes to say, "it's all about the numbers". OK, here are the Numbers ! Here is a pretty simple calculation for those that wish to spend more money in retirement and do not care about leaving an estate. For those that have a Big enough Portfolio and can aff...
by TravelforFun
Mon May 19, 2014 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7556

Re: The 30,000 Club

Wow! 30,000 posts? Over how many years?
by TravelforFun
Thu May 15, 2014 1:52 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: The 30,000 Club [Number of Bogleheads forum posts]
Replies: 23
Views: 2483

Re: Did (will) you pay off your mortgage by retirement?

Paid off mortgage and became debt-free a year ago when I was 61. I'm still working and planning on working until the age of 70.
Debt-free living = stress-free living!
by TravelforFun
Tue Apr 29, 2014 11:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Did (will) you pay off your mortgage by retirement?
Replies: 68
Views: 3456

Re: What's your number?

Johm221122 wrote:25 times my desired yearly budget less SS :beer
John

I'd shoot for 33.3
by TravelforFun
Wed Apr 23, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 147
Views: 31575

Re: Flights D.C. to London: Buy now or wait?

Victoria, you can use your credit to offset any travel expenses charged to your card during the last 90 days. So go ahead and buy your airline tickets using Barclay then go to Barclay website and redeem your $500 credit. They will lower your account balance by $500.
by TravelforFun
Sat Apr 19, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 50
Views: 9228

Re: Flights D.C. to London: Buy now or wait?

Someone mentioned Barclay card. I've had it for about nine months now and love it. I've stopped using all my airline cards because miles from Barclay purchases can be used toward any airlines with no restrictions or converted to cash. No need to keep a stack of airline credit cards anymore.
by TravelforFun
Sat Apr 19, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: Flights D.C. to London: Buy now or wait?
Replies: 50
Views: 9228

Re: Question about IRS Online Payment from Checking Account

I efiled using Turbo Tax and provided my bank routing number and account number and the money was taken by the IRS within 5 days. No problems.
by TravelforFun
Sat Apr 19, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about IRS Online Payment from Checking Account
Replies: 25
Views: 3588

Re: Baby Boomers: Top 10 Movies

My top three:

Godfather
Godfather II
The French Connection
by TravelforFun
Fri Apr 18, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 49
Views: 4051

Chess.com is The Bomb

I've been using the Internet since 1993 but just recently discovered chess.com. Wonderful website as it would rank you and let you play against equal-ranked players from all over the world. Any boglehead plays chess on that site?
by TravelforFun
Sun Apr 13, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Chess.com is The Bomb
Replies: 10
Views: 1392

Re: Pay Off Mortgage

Debt-free living = stress-free living
by TravelforFun
Wed Apr 02, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 4051

Re: 401k to Roth IRA

I wish I had started rolling my IRAs into a Roth IRA when I was younger and paid taxes on the amounts. Now most of my assets are either in a 401K or some sort of IRAs and I am facing major tax payments when I am required to withdraw the minimum amounts beginning at age 70.5.
by TravelforFun
Wed Apr 02, 2014 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k to Roth IRA
Replies: 4
Views: 305

Re: Boxed Wines

For my daily dinner, I drink Bota Cabernet box wine and love it.
by TravelforFun
Mon Mar 31, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 2173

Re: Convince me to get a credit card

I didn't read every post but did someone point out you have to have a cc to rent a car? Car rental agencies don't accept cash or debit cards.
by TravelforFun
Mon Mar 24, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you please convince me to get a credit card?
Replies: 101
Views: 14146

Re: 2013 tax filing issues

On or around April 10, I will mail Uncle Sam a check for $15K and make a note that 2013 was a good year for me.
by TravelforFun
Mon Mar 17, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: 2013 tax filing issues
Replies: 33
Views: 1568
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