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Retirees who lease auto

I am thinking for 2 or 3 year lease of my next car. My reason is at age 71 no more sell or trade in and less hassle. The mileage would be <10K/yr. Is the cost difference worth it? The car would be in the 45K range.

Thanks
Sam
by exoilman
Sun Apr 26, 2015 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 0
Views: 34

Retirees who lease auto

I am thinking for 2 or 3 year lease of my next car. My reason is at age 71 no more sell or trade in and less hassle. The mileage would be <10K/yr. Is the cost difference worth it? The car would be in the 45K range.

Thanks
Sam
by exoilman
Sun Apr 26, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirees who lease auto
Replies: 0
Views: 27

Before visiting an estate attorney

Is there a site where I might gather some insights or will a good firm guide me before committing to anything?

Thanks
Sam
by exoilman
Fri Apr 17, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Before visiting an estate attorney
Replies: 3
Views: 574

gold bullion

I want to buy some 1 oz. gold bullion and want to know what I should expect to pay over market price.

thanks
sam
by exoilman
Sun Apr 12, 2015 1:32 pm
 
Forum: Personal Consumer Issues
Topic: gold bullion
Replies: 16
Views: 875

Inherited IRA

I will inherit an IRA from a relative at some point. My wife is younger than me and I want to know can I decline and pass it to her?

Thanks
Sam
by exoilman
Tue Apr 07, 2015 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA
Replies: 2
Views: 259

Poll [Cemetery or Cremation]

What is your desire? I realize age, religion, finances etc. will skew the vote. I see no reason for cemetery but DW disagrees. If my children and grandchildren remember me in their hearts, that works for me. Spend all the money and time on some worthwhile deeds.

Sam
by exoilman
Thu Jan 22, 2015 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll [Cemetery or Cremation]
Replies: 20
Views: 735

Re: $7 gas - what would you do?

A teachable moment and remember Yogi Berra's quote “It’s tough to make predictions, especially about the future’” :D

Sam
by exoilman
Wed Jan 21, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 19029

Re: Retiree Poll:What is your current AA?

Mine is such that I'm ready for a 50% stock drop that history tells us will happen again. +1 age 71 next month DW 65 30% equity 70% bonds and cash. For us it represents security. Full disclosure SS and pension and RMD and dividend stocks will see us through. In the event of a >10% correction I will...
by exoilman
Mon Dec 29, 2014 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7159

Re: Harry's razors

Thank for all the replies and extra info. I decided to try the product win lose or draw! As luck would have it I typed in a code and the $15 offer was reduced to $10 with free shipping. Maybe I won? At least a Boglehead victory :D

Sam
by exoilman
Mon Nov 17, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6779

20 Year Term Life Policies

I suppose the brand names are the safest e.g. Met Life, Prudential? The reason is I want to buy a policy for my daughter (43) and her husband (40). They have two children 11 and 4 so I am insuring each of them should a death occur and insuring me and my wife if god forbid both were to be killed in a...
by exoilman
Mon Nov 17, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 20 Year Term Life Policies
Replies: 14
Views: 1996

Harry's razors

I've been a mach 3 razor consumer since inception. I know they are pricey but I get ~ 3 weeks use so ok with that. The Harrys are less but I am wondering who has tried them and has a comment either way.

Thanks
Sam
by exoilman
Fri Nov 14, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 6779

Re: POLL: How fulfilling is your retirement?

Toons wrote:Life is what you make it,whether retired or not ,it was great before retirement and it is great in retirement.I am content :happy


operative word, content. Same here :happy
by exoilman
Sun Oct 19, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 3125

Re: Medigap Plan G vs Plan F?

midareff wrote:I turned 65 last December and enrolled in Medicare and AARP United Plan F. No deductibles at all and no copays.


+1
by exoilman
Sat Oct 18, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 10968

Re: Market Slide Percentages?

As I pointed out to the wife, declines in Mr. Market matter based only on asset allocation. They matter even less if retirement withdrawals are based solely on non-market allocations. Stated another way, if you have enough in cash, CDs, or other fixed-income, to fund retirement, above-and-beyond S/...
by exoilman
Fri Oct 17, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Market Slide Percentages?
Replies: 28
Views: 2146

Kindle

My wife upgraded to the new Kindle and gave me the old one. In true Boglehead fashion I would like to get only their free books. How might I do this?

Thanks
Sam
by exoilman
Wed Sep 10, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1436

Re: Ideas for thanking a doctor

We have sent a fruit basket on a number of occasions.

Sam
by exoilman
Sat Aug 30, 2014 10:21 am
 
Forum: Personal Consumer Issues
Topic: Ideas for thanking a doctor
Replies: 75
Views: 6064

Ally Bank CD

Has anyone used them? I want to make a cd ladder.

Thanks
Sam
by exoilman
Wed Aug 27, 2014 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Ally Bank CD
Replies: 12
Views: 1772

Re: What's "The Herd" doing today?

Check in with the local Yenta in your neighborhood. :confused
by exoilman
Wed Aug 27, 2014 10:55 am
 
Forum: Investing - Theory, News & General
Topic: What's "The Herd" doing today?
Replies: 52
Views: 3864

Re: Social Security Taxes?

Cut-Throat wrote:
Toons wrote:Hey the way I view it,I'm thankful I am earning the income that puts me in a position to have 85% of my Social Security earnings taxed. :sharebeer


+1

+2
by exoilman
Sun Jul 20, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Taxes?
Replies: 26
Views: 2377

Re: [Poll] Are you more risk averse than average?

cheese_breath wrote:Can you define an average investor? At age 73 I'm probably more risk averse that a 23 year old, but maybe not as much as a 83 year old.


+1
by exoilman
Mon Jul 14, 2014 11:11 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Are you more risk averse than average?
Replies: 36
Views: 2930

Re: RMD early

Thanks :thumbsup :thumbsup
by exoilman
Fri Jul 11, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD early
Replies: 4
Views: 977

RMD early

I am taking my first RMD this year. I don't want to have the tax bite taken with the withdrawal. Can I send an est. tax check later in this year?

Thanks
Sam
by exoilman
Thu Jul 10, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD early
Replies: 4
Views: 977

Large Inheritance

A family friend lost her aunt. She is the sole beneficiary of a 12M brokerage acct. and she wants to know what an accountant and lawyer should be charging (fee or percentage)? Her aunts will has her as executor and basically some small amounts to a few friends some of whom are deceased. Any guidance...
by exoilman
Fri Jun 13, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Inheritance
Replies: 8
Views: 1578

Re: Who are the BogleHeads.org heavyweights?

Riprap wrote:I tend to pay particular attention to dbr and bsteiner.


+1
by exoilman
Sun Jun 01, 2014 8:36 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 10057

Re: Who are the BogleHeads.org heavyweights?

I am reluctant to call out one person among the many who are great contributors, but one member who has offered very useful information on some topics of specific interest to me is bsteiner . Even though I have been a member here for 3 years, I am still amazed by this community and the generosity o...
by exoilman
Sat May 31, 2014 7:48 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 10057

Re: TV show recommendations?

jginseattle wrote:I'm enjoying Fargo.


+1
by exoilman
Sat May 24, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 338
Views: 147730

Re: new furnace and central air

HardKnocker wrote:All the major brands are basically the same.

Get a bunch of quotes from installers and see what they recommend and you'll learn a few things along the way.


that was part of my plan, thanks
by exoilman
Fri May 23, 2014 7:37 am
 
Forum: Personal Consumer Issues
Topic: new furnace and central air
Replies: 14
Views: 1237

new furnace and central air

I would appreciate any help here. I am having an estimate for Lennox equipment but would like opinions on other brands as well. Costco is offering a $1500 bonus card so I figured a good place to start. My home is gas forced air.

thanks
Sam
by exoilman
Thu May 22, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: new furnace and central air
Replies: 14
Views: 1237

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

I don't spend any time thinking about what I could have had if I had waited to take Social Security at a later age. I do know that I have received about 20k in payments since I turned 62 and have enjoyed spending every penny of it...No regrets whatsoever,the plan is working :happy ditto :mrgreen: t...
by exoilman
Sat May 17, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 8549

Re: Happy Birthday John C. Bogle !

Happy Birthday Mr. Bogle

Sam
by exoilman
Mon May 12, 2014 2:38 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday John C. Bogle !
Replies: 37
Views: 2045

Re: need router advice

kermit wrote:AirPort Extreme is the best router I've ever owned; also the most expensive. But it never needs a reboot and has excellent range.


+1 one at home and one at beach condo.

Sam
by exoilman
Sun May 11, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: need router advice
Replies: 56
Views: 4018

Re: Mom and Pop Step Up Their Trading

yea, I read that in today's WSJ too. It's really sad to read about the one person who wants to trade full time. Been there; done that; made money; lost money; lost sleep; worried a lot; traded pre-market, trading date; after hours; made my tax returns a real PIA (excuse the caps!). Maybe I'll just ...
by exoilman
Thu Apr 24, 2014 2:44 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2302

Re: Mom and Pop Step Up Their Trading

linenfort wrote:
Grt2bOutdoors wrote:My mailman hates me.....I actually have some very long term holdings in individual equities, each year around this time, my mailbox gets stuffed with the annual reports/proxies.

Signing up for electronic delivery of those was one of my best decluttering steps ever.


:thumbsup
by exoilman
Thu Apr 24, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2302

Re: Mom and Pop Step Up Their Trading

Also lots of TV ads are enticing. This one in particular (Fidelity) shows a man watching three screens with all the colors and trend lines. The background music is thumping and all of a sudden he does a fist thump because he got his trade I guess.

Sam
by exoilman
Thu Apr 24, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2302

Re: Expensive hobbies and possessions? (B/c you can...)

Nice home + ocean view condo at the Jersey shore. Annual 2 week trip to the Caribbean in January. Quality food at home and dining out routinely.

Sam
by exoilman
Tue Apr 01, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 17164

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

I saw the 60 Minutes show. A good reason to use index funds and avoid market timing. The rapid traders were front running and skimming a little bit off of every trade made. Even if you held only index funds, you were still impacted, although the low turnover of index funds would lead to fewer trans...
by exoilman
Mon Mar 31, 2014 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 4378

Re: Poll: When did you retire? Would you do it all over agai

Retired 11 years ago age 58. Since then, 4 grandchildren and lots of time at the Jersey shore, travel etc. Yes to doing it all over again.

Sam
by exoilman
Mon Mar 24, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 12095

Re: Does This Person Need Umbrella Ins Coverage?

Is the $1m in taxable account only? I might be wrong but retirement accounts (401k, IRA's, etc.) are protected if you're sued. Please correct me if I' wrong or if it depends on the state people reside in. Qualified plans are protected everywhere but IRAs depend on state. Google "IRA lawsuit pr...
by exoilman
Sun Mar 23, 2014 2:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does This Person Need Umbrella Ins Coverage?
Replies: 64
Views: 5327

Re: Viking River Cruises

reference
by exoilman
Thu Mar 20, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Viking River Cruises
Replies: 31
Views: 4849

Re: Buying condo outright

Somewhat related....do you like the TV show Portlandia? 8-) 8-)

Sam
by exoilman
Thu Mar 06, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying condo outright
Replies: 27
Views: 1959

Re: Savers remorse ?

greg24 wrote:
letsgobobby wrote:
greg24 wrote:As I've aged, I've learned not to sweat the small stuff. But I still could loosen up a bit.

Is it aging, or is it having more money?


For me, its a combination of the two.


+1
by exoilman
Thu Mar 06, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 12534

Re: Meeting with Fidelity

You can save a lot of money by just following the Boglehead passive investing approach. Of course active management is very valuable... but for the providers, not the clients. Note: I have accounts at Fidelity and am pleased overall with their customer service. But I don't take any advice from them...
by exoilman
Fri Feb 28, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 6363

Re: Walton 4 Land Investment

Buy a REIT Index fund or if you wish purchase a REIT like WY which holds productive land (timber) in the millions of acres and pays you a dividend. I get antsy when I hear forward looking statements like "Walton purchases land in areas in the path of growth and holds it for future development&...
by exoilman
Thu Feb 27, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Walton 4 Land Investment
Replies: 9
Views: 1625

Walton 4 Land Investment

Any BH's have any experience with this type of investment? From the person speaking with me, "A few points about Walton: Walton has been in the land business since 1979, now managing over $3 Billion in assets on behalf of 80,000 investors worldwide and have become the largest land planning firm...
by exoilman
Wed Feb 26, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Walton 4 Land Investment
Replies: 9
Views: 1625

Re: Bogleheads and Fast Food

jsl11 wrote:Costco food court. The food is pretty good, the portions are huge, and the prices are low.
Jeff


Just had their new addition. Barbecued brisket enjoyed it.

Subway no meats.
McD, Wendy's couple times a year

Sam
by exoilman
Tue Feb 11, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4969

Re: 709 Gift Tax Form Concern?

The form 709 is not required if you are gifting to each recipient 14K each or 28K per person from the two of you. It is only required if your gift(s) total more than 28K to an individual. Any amount greater than that will require the 709. Then that will be debited from the 5.2M estate. I am not an a...
by exoilman
Thu Feb 06, 2014 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 709 Gift Tax Form Concern?
Replies: 12
Views: 970

Re: Retirement account withdrawals and fund expenses

FWIW we have been very fortunate and withdraw only what we actually need/want each year. For 2012 it was 1.4% (low tax expense) and for 2013 was 2.6% (bought a car). We estimate about a 1.7% rate for this year, based on 1/1/14 investment balance. I suspect that there may be many who do not need to ...
by exoilman
Sun Feb 02, 2014 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement account withdrawals and fund expenses
Replies: 10
Views: 507

Re: IRA Required minimum distribution question

sscritic wrote:The typo was all mine, but shows that decimals are harder to get right than fractions. :)

To quote another poster
I suppose I might be off by a penny or two

or 365. Sort of like how a day or two is really a year.


:sharebeer
by exoilman
Sat Jan 04, 2014 9:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Required minimum distribution question
Replies: 25
Views: 1515
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