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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: 1273

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: 3765

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: 292

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: 1902

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: 80
Views: 4289

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: 1005

American Airlines Stock

Anyone here bought American Airlines stock just before the merger? Well, congratulations!!! You've hit the jackpot!
by TravelforFun
Tue Mar 11, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: American Airlines Stock
Replies: 12
Views: 1154

Re: Costco car buying?

I did. Bought a brand new Lexus RX350 in 2011. Walked into Costco's authorized Lexus dealership with a preset Costco's price, picked out the color for the car, signed some paperwork, and had the car delivered to my house the next day. All done without any haggling. Great experience and I will do it ...
by TravelforFun
Thu Mar 06, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Costco car buying?
Replies: 6
Views: 979

Re: Bitcoin price plunges

by TravelforFun
Wed Mar 05, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17941

Re: Bitcoin price plunges

Are wheels starting to fall off? Mt. Gox website shutdown. http://online.wsj.com/news/articles/SB10001424052702304834704579404101502619422?mod=WSJ_hp_LEFTWhatsNewsCollection&mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB10001424052702304834704579404101502619422.html%3Fmod%3DWSJ...
by TravelforFun
Tue Feb 25, 2014 2:05 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17941

Re: IRA Exit Strategy

I will have this problem forever and planning is like water torture. I just wonder if it is worth converting the whole darned thing in one year, paying the full taxes and surtaxes and having the phaseouts and then be free forever. So Romney eg could convert his 50 million in one fell swoop. It woul...
by TravelforFun
Sun Feb 16, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Exit Strategy
Replies: 21
Views: 1816

Travel to Greece

Any Greek vacation experts out there? Our family will be traveling to Athens and Santorini this summer and will spend 3 days in each place. Although we've been to Europe several times, we have never been to Greece. Is it as easy to get around in Athens as it is in Paris, London or Rome? Can you get ...
by TravelforFun
Sat Feb 15, 2014 12:46 pm
 
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 22
Views: 1060

Re: IRA Exit Strategy

JW Nearly Retired wrote:You can analyzed this IRA conversion tactic in great quantitative detail using BigFoot48's outstanding Roth Conversion Decision spreadsheet.
viewtopic.php?f=1&t=97352
JW

Thanks JW for the Decision Worksheet. I'll try it soon.
by TravelforFun
Sat Feb 15, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Exit Strategy
Replies: 21
Views: 1816

IRA Exit Strategy

http://www.forbes.com/sites/baldwin/201 ... -syndrome/

This article suggests you withdraw from your IRA accounts, pay taxes on the withdrawals, and put the money in Roth now if you're between 62 and 70 and have big IRA accounts.

Makes sense to me and I will look into doing this.
by TravelforFun
Sat Feb 15, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA Exit Strategy
Replies: 21
Views: 1816

How to get in on an IPO

How would an individual investor buy stock during the initial public offering period? JP Morgan is one of the underwriters for the offering.
by TravelforFun
Thu Feb 13, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: How to get in on an IPO
Replies: 23
Views: 1614

DirectTV to ATT Uverse

I am getting rid of DirectTV and getting ATT Uverse. Is there a way to download all the shows that I had recorded from the Direct TV box to my PC?
by TravelforFun
Thu Feb 06, 2014 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: DirectTV to ATT Uverse
Replies: 0
Views: 192

Re: Monaco vacation without busting budget

pinecrest wrote:
Wow. Is that your site? Gorgeous pictures! Thanks for posting. :thumbsup

Yes it is.
by TravelforFun
Wed Feb 05, 2014 12:38 am
 
Forum: Personal Consumer Issues
Topic: Monaco vacation without busting budget
Replies: 36
Views: 2306

Re: Monaco vacation without busting budget

When I was at Amalfi, cars that had gotten in accidents were left in place (down the embankment) as reminders to drive carefully. I wanted to see if that was still done and did a little searching. I couldn't find any recent references, but the road is one of the roads featured at DangerousRoads.com...
by TravelforFun
Tue Feb 04, 2014 11:28 pm
 
Forum: Personal Consumer Issues
Topic: Monaco vacation without busting budget
Replies: 36
Views: 2306

Re: Another Social Security file & suspend spousal benefits?

My situation is similar to some who have commented on this post. Ages : Me (61), wife (57) Soc Sec benefits : Me: $1,862 (at 62), $2,479 (66), $3,326 (70) Wife: $715 (62), $1,088 (66), $1,338 (70) Wife is retired but I plan on working until 70. Since we are both in good health, my numbers show: With...
by TravelforFun
Mon Jan 27, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security file & suspend spousal benefits?
Replies: 27
Views: 1253

Re: Monaco vacation without busting budget

a) Is Monaco that spectacular a destination ? how about other nice mountain-meets-ocean/sea places like the Amalfi coast ? Any other tips would be greatly appreciated. Hope everyone is having a great 2014 ! a) Yes and yes. We went to and stayed in Nice and took day trips to Monaco, Cannes and St Tr...
by TravelforFun
Mon Jan 27, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Monaco vacation without busting budget
Replies: 36
Views: 2306

Re: Another Social Security file & suspend spousal benefits?

High PIA = 2400. Low PIA = 1000. High PIA at FRA files and suspends. Low PIA at the same time or later files at age 63. Low PIA collects $800 + $150 = $950 (both the self and the spouse being reduced for starting 36 months early). At FRA, the low earner can suspend and continue to collect the $150 ...
by TravelforFun
Sat Jan 25, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Social Security file & suspend spousal benefits?
Replies: 27
Views: 1253

Re: Today only: a great investment in . . . postage stamps?

I used 3 stamps last year and hence and people like me are biggest problem for USPS.
by TravelforFun
Sat Jan 25, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Now expired: a great investment in . . . postage stamps?
Replies: 22
Views: 1879

Virgin America Vacation Packages

Has anyone on here had experience with Virgin America vacation deals? I'm thinking of purchasing their 8-day Greek Isles vacation package.
by TravelforFun
Thu Jan 23, 2014 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Virgin America Vacation Packages
Replies: 1
Views: 393

Re: Rule of 40,000

$10 invested daily at 7% per year yields $400,000 after 30 years. Power of compounding, indeed. Then how about one cent every 1.44 minutes, which is $10 per day? Then you could call it Rule of 40,000,000. It's pretty ridiculous. You could. But Rule of 40,000 only applies to a daily (not minute, wee...
by TravelforFun
Sat Jan 18, 2014 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Rule of 40,000
Replies: 11
Views: 1858

Rule of 40,000

I posted this on my Facebook page today: Rule of 40,000. Here is a financial tip for younger folks. Time is on your side and compound interest is your friend. Say you spend $5 at Starbucks everyday or $10 eating out every day. What would happen if you invested that money? The $5 would become $200,00...
by TravelforFun
Sat Jan 18, 2014 1:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Rule of 40,000
Replies: 11
Views: 1858

Re: Biggest regrets in your life in financial investment?

At the urging of my wife and age 30, I took all money from my 401K when I changed job to buy her a brand new Mercedes.
by TravelforFun
Thu Jan 16, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 7182

Re: Vietnam visa requirement

Stop by one of Vietnamese travel agencies in the U.S (It's easy to find if you live near a big city). They will take 2"x2" picture for you and do all the paper work. It took about 1 week to get it done and was $50 four years ago. That was what I did too. Wanted to make sure I had the visa...
by TravelforFun
Mon Jan 13, 2014 8:44 pm
 
Forum: Personal Consumer Issues
Topic: Vietnam visa requirement
Replies: 13
Views: 874

Re: Best Movies of 2013

Gravity.
by TravelforFun
Fri Jan 10, 2014 1:11 am
 
Forum: Personal Consumer Issues
Topic: Best Movies of 2013
Replies: 83
Views: 5473

Re: Retirement Fund Withdrawal and Term Life Insurance

Dodecaheron, thanks for the link.
by TravelforFun
Thu Jan 09, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Fund Withdrawal and Term Life Insurance
Replies: 9
Views: 742

Retirement Fund Withdrawal and Term Life Insurance

I know those of us who have kids and grandkids would want to leave them some money when we are gone. But would it work the same if we were to buy a life insurance policy in the amount of the inheritance and withdraw more from our retirement fund every year so we could have more money to spend while ...
by TravelforFun
Thu Jan 09, 2014 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Fund Withdrawal and Term Life Insurance
Replies: 9
Views: 742

Re: The Rent is Late

I really admire those who are landlords especially the long - distance ones. Dealing with late payments, evictions, fix up, finding good tennants sounds too exhausting. Is the return on rental properties that much higher than stock, bond, REIT, et...?
by TravelforFun
Tue Jan 07, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Rent is Late
Replies: 31
Views: 5673

Re: iPad Air info please

We have the 16gb. iPad with Wi-Fi only. Our next one will have the maximum amount of memory though. I regret not buying the 64gb. My first iPad broke so I got a Galaxy Tab 3 and really like it. It has an SD card slot so you can increase its memory if needed. Light weight, gorgeous display and bogle...
by TravelforFun
Fri Dec 27, 2013 12:36 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air info please
Replies: 35
Views: 1951

Re: Who on here owned American Airlines Stock

Since I own TSM I guess I do/did but that's the beauty of diversification - issues like these are meaningless. I assume from your post you suffered a significant loss; I'm sorry to hear that. I suffered a significant loss from that one stock but am diversified enough to weather it. I just don't und...
by TravelforFun
Wed Dec 11, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 20
Views: 1564

Who on here owned American Airlines Stock

I did and was shocked to find out I'd just lost 85% value of my stock just right after it merged with the other company on December 9. Class action lawsuit coming?
by TravelforFun
Wed Dec 11, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 20
Views: 1564

Re: Paid off Mortgage today!

When my mortgage company notified me that they had received the wire and my loan had been paid off, I had to bite down on my tongue to avoid screaming too loudly at work. It was and still is such a great feeling because we had worked on this for so long. I will never borrow again.
by TravelforFun
Thu Dec 05, 2013 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4157

Re: car mpg math problem

sscritic wrote:
pablolo wrote:my apologies. car a gets 50mpg car b 32.

So what answers did you get to my questions?

7 years and two months if rate of return is 6% a year.
by TravelforFun
Sun Nov 17, 2013 9:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: car mpg math problem
Replies: 14
Views: 1347

Re: timing employer match

No need to move your contribution around. When you are 75% vested, you will get 75% of everything your employer has contributed.
by TravelforFun
Sun Oct 27, 2013 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: timing employer match
Replies: 6
Views: 481

Re: OK for lower earning spouse to take Social Security at 6

I suspect the optimal plan will look something like this: -wife @ 62 files for social security benefits. This will be based on her own earnings record. Because husband is not yet eligible for benefits (SS speak for "has not filed") at this point, her benefit will be her own and will not i...
by TravelforFun
Sat Oct 26, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: OK for lower earning spouse to take Social Security at 62?
Replies: 14
Views: 1437

Re: Long Term Care Policy Poll

GerryL wrote:An interesting question for the 'do haves' is "how old were you when you bought it?"


Bought it for me and my wife 6 years ago when I was 55 and wife 51.
by TravelforFun
Sat Oct 26, 2013 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Policy Poll
Replies: 33
Views: 1827

Re: IRA Withdrawal to pay mortgage?

I did it this year. Withdrew money from a Rollover IRA and paid off my mortgage. I know I will have to pay tax on the withdrawal (no penalty since I'm 61) but being debt-free feels so amazing. I still work full time and now have more money every month to save, invest, and spend. I'm very happy with ...
by TravelforFun
Sat Oct 26, 2013 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: IRA Withdrawal to pay mortgage?
Replies: 9
Views: 746

Galaxy Tablet and iTunes Purchases

I'd been an Apple fanboy for years but now want to try Android. My iPad 1 is dying and am thinking about getting a Galaxy 3 tablet which doesn't play iTunes purchases. Is there an easy way to transfer the purchases without having to unlock the DRM on individual movie, song or book?
by TravelforFun
Thu Oct 24, 2013 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Galaxy Tablet and iTunes Purchases
Replies: 0
Views: 136

Re: sellers remorse [Individual stocks to index funds]

I bought Facebook at $32 few months ago and placed a 10% stop loss on it. It dipped hard last week and was sold at $46. Now it's up to $54. I shrugged and moved on. No regrets! We'll live to fight another day.
by TravelforFun
Sat Oct 19, 2013 1:31 am
 
Forum: Investing - Help with Personal Investments
Topic: sellers remorse [Individual stocks to index funds]
Replies: 22
Views: 2382

Re: Just hit the million mark net worth today

This is still the land of opportunity. I can still remember the day I came to this country, 40 years ago, with $150 in my pocket and spoke no English.
by TravelforFun
Sat Oct 19, 2013 1:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 9313

Re: Just hit the million mark net worth today

Welcome to the two-comma club! I made it in 2010 and should double it in 2017.
by TravelforFun
Sat Oct 19, 2013 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Just hit the million mark net worth today
Replies: 98
Views: 9313

Re: Moving to Dallas, TX

I live in Fort Worth (45 minutes from Dallas) and would love to move to Chicago.
by TravelforFun
Fri Oct 18, 2013 12:31 am
 
Forum: Personal Consumer Issues
Topic: Moving to Dallas, TX
Replies: 76
Views: 5359

Re: Bought airlines tickets now found cheaper ones

beardsworth, I fly Southwest sometimes but this trip is from Dallas to Denver and Southwest doesn't fly non-stop between those cities. 2stepsbehind, you could call this a lesson but not much one can learn from it. The only way to prevent this from happening again is to buy refundable tickets which i...
by TravelforFun
Wed Oct 09, 2013 9:06 am
 
Forum: Personal Consumer Issues
Topic: Bought airlines tickets now found cheaper ones
Replies: 58
Views: 4619

Bought airlines tickets now found cheaper ones

I bought American Airlines tickets for a party of eight a couple of days ago. The tickets cost $300 per person and are non-refundable. Now I just saw Frontiers have tickets for the same destination on sale for $150 per ticket, a savings of $1,200. Called AA and they told me they would charge me $200...
by TravelforFun
Tue Oct 08, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Bought airlines tickets now found cheaper ones
Replies: 58
Views: 4619

Re: Choice Of Weapon For Personal Home Self Defense

Most victims are victimized by the people they know so first line of defense is to try to make people you know not too mad at you :)
by TravelforFun
Mon Aug 26, 2013 1:12 pm
 
Forum: Personal Consumer Issues
Topic: Choice Of Weapon For Personal Home Self Defense
Replies: 123
Views: 5640
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