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Re: Amazon.com prices change quickly

although i use Amazon a lot and have Prime amazon now collects sales tax for my state. a lot of third party sellers have free shipping and do not collect sales tax. i figure out the total price when i order and sometimes use the 3rd party seller if i am not in a rush to get the product. I usually on...
by gerrym51
Sat Apr 19, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 37
Views: 3107

Re: SS Strategy Metric

If you can afford to wait-then you can afford to take at 62. Not if I live to 125 :wink: John Ok-plan on 125 Ray Kurzweil claims that if you survive until the year 2043, and your body is still OK, the medicine of that time will propel you into perpetuity. Longevity related medical advances are acce...
by gerrym51
Sat Apr 19, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 3005

Re: SS Strategy Metric

Johm221122 wrote:
gerrym51 wrote:If you can afford to wait-then you can afford to take at 62.

Not if I live to 125 :wink:
John



Ok-plan on 125
by gerrym51
Sat Apr 19, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 3005

Re: SS Strategy Metric

If you can afford to wait-then you can afford to take at 62.
by gerrym51
Sat Apr 19, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Strategy Metric
Replies: 55
Views: 3005

Re: Amazon.com prices change quickly

i have seen amazon change prices drastically on same day. I decide what products i want and check them constantly. i also use camelcamelcamel.com I have bought many items that are 50 percent les than normal one day and the next day back up and these were not things listed as specials. camelcamelcame...
by gerrym51
Fri Apr 18, 2014 9:03 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 37
Views: 3107

Re: NYC Comic Con

i just read about them and look at utube videos.
by gerrym51
Fri Apr 11, 2014 4:28 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 677

Re: Should I take SS at 62 or increase my burn rate ?

my wife and i both took at 62 and did not need the money.
by gerrym51
Fri Apr 11, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I take SS at 62 or increase my withdrawal rate ?
Replies: 27
Views: 1569

Re: Interest rates will rise, so flee REITS and Bonds?

Call_Me_Op wrote:
gerrym51 wrote:didn't we go thru this a year ago ?


Why would a bump-up in rates of 1% change the conversation appreciably?



what i meant is about one year ago the fed hinted rate rise and bonds went kerplooey and every post wasabout time to dump bonds. here we go gain.
by gerrym51
Tue Apr 08, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1266

Re: Just returned new laptop with Window 8.1

I read that windows 8.2 will automatically boot up with the old start screen and icons
by gerrym51
Tue Apr 08, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 7822

Re: Interest rates will rise, so flee REITS and Bonds?

didn't we go thru this a year ago ?
by gerrym51
Tue Apr 08, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Interest rates will rise, so flee REITS and Bonds?
Replies: 12
Views: 1266

Re: Buying new issue CDs

i own many brokered cd's new issue and secondary. NEVER buy a brokered cd unless you intend to hold to maturity. Make sure you buy one's with 'survivor option'.(SO) on a listing-then survivors can cash in just like an early withdrawal bank cd. Brokered cd's are actually bonds with guaranteed rates ...
by gerrym51
Mon Apr 07, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying new issue CDs
Replies: 7
Views: 571

Re: Buying new issue CDs

i own many brokered cd's new issue and secondary. NEVER buy a brokered cd unless you intend to hold to maturity. Make sure you buy one's with 'survivor option'.(SO) on a listing-then survivors can cash in just like an early withdrawal bank cd. Brokered cd's are actually bonds with guaranteed rates a...
by gerrym51
Sun Apr 06, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying new issue CDs
Replies: 7
Views: 571

Re: Delaying Social Security - best long-term investment?

caroljm36, it confused me, too, but I concluded that it was just an error on Kitce's part and that he really intended for that "62" to be "70". Try that, and it will make sense. gee, I shouldn't have to make a leap like that...aren't these articles edited? Anyway, 65 and still h...
by gerrym51
Sun Apr 06, 2014 11:57 am
 
Forum: Investing - Theory, News & General
Topic: Delaying Social Security - best long-term investment?
Replies: 78
Views: 3650

Re: Why is Vanguard defending high frequency trading?

check Richard Pryors role in Superman 3 and his characters taking all the fractional amounts in transactions using a computer program then you'll understand. :mrgreen:
by gerrym51
Fri Apr 04, 2014 6:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3537

Re: Mr. Money Mustache: Hero or Foolish?

i might be able to live like him-my wife no.
by gerrym51
Mon Mar 31, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Money Mustache: Hero or Foolish?
Replies: 227
Views: 24489

Re: How much to build a small house from scratch?

look into pre-made houses that are assembled on site Why? I'm not looking for a pre-made house that's assembled on site, I'm looking for a custom built house and am just trying to get a ballpark idea of what it will run me. some small houses http://www.the-homestore.com/floorplans/types/one-stories...
by gerrym51
Sun Mar 30, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1582

Re: How much to build a small house from scratch?

look into pre-made houses that are assembled on site
by gerrym51
Sun Mar 30, 2014 9:17 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1582

Re: water heater purchase from Amazon

for a purchase like this i would use Home Depot or lowes they also arrange installation
by gerrym51
Sat Mar 29, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1218

Re: Anyone overbalance like the Finance Buff?

I used the finance buffs info on brokered cd's before i bought my own. he has very useful info
by gerrym51
Thu Mar 27, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone overbalance like the Finance Buff?
Replies: 33
Views: 2445

Re: XP to 7--please spell out what I buy, where, how much

dell will let you build a laptop and put windows 7 on it.
by gerrym51
Tue Mar 18, 2014 3:55 pm
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2253

Re: XP to 7--please spell out what I buy, where, how much

windows 7 is now obsolete-in the sense all new pc's are getting 8.1. the only way to get windows 7 is to find a computer with windows 7 that has not sold-sort of like buying a new car that has been sitting on the lot for 2 years.
by gerrym51
Mon Mar 17, 2014 6:57 pm
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2253

Re: Amazon Prime Price Increase

my prime renewed a month ago at 79. next year will be 99. it's worth it to me.at 99 i will keep renewing. I have things delivered free and it gives me some extras with my kindle(lending library) and prime video.
by gerrym51
Thu Mar 13, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7630

Re: Hospital wants me to prepay for procedure. Normal?

when my wife had an elective procedure-eyelid surgery-she had to pay upfront.
by gerrym51
Mon Mar 10, 2014 9:16 am
 
Forum: Personal Consumer Issues
Topic: Hospital wants me to prepay for procedure. Normal?
Replies: 38
Views: 3215

Re: OMG, There Goes Coinstar?

I mean, I seriously need to cash in a few decades worth of dumping change in the change bucket. I always assumed Safeway and Coinstar would come to the rescue. Now, Safeway is being sold. Egad! Should I hurry on down to the local Safeway to run my coins through before they yank the machines? why wo...
by gerrym51
Sat Mar 08, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3835

Re: What video games are you currently playing?

my favorite games are puzzle/adventure games.! MYST was the first one i played and i play many of that kid.
by gerrym51
Fri Mar 07, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4224

Re: Take SS now or spend down saving & Delay Benefit

I took mine at 62(i am now 63) wife took hers at 62(she is now 67). if you read multiple posts on this site by many different people you will get many different opinions. i read somewhere if your money is making more than 8 percent a year it's better to take ss early. if it makes less than 8 percent...
by gerrym51
Fri Mar 07, 2014 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Take SS now or spend down saving & Delay Benefit
Replies: 12
Views: 1126

Re: How early to purchase plane tickets?

i go to orlando mostly every year and only Southwest does direct flights from my airport. I usually book as soon as the 6 month booking window allows it. Usually get a very good price this way.
by gerrym51
Mon Mar 03, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How early to purchase plane tickets?
Replies: 15
Views: 1521

non callable step up brokered cd

I purchase brokered cd's both new issue and secondary. this is not a post asking for opinions between brokerd and regular bank cd's. It is a question to anybody who does buy brokered cd's. has anybody ever found a step-up cd that is call protected. I look at step up cd's but have never seen one that...
by gerrym51
Mon Mar 03, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: non callable step up brokered cd
Replies: 1
Views: 76

Re: Bitcoin price plunges

I put bitcoin in the gold category-youse take your chances.
by gerrym51
Wed Feb 26, 2014 10:04 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17994

Re: Getting Best Price for a Prescription Drug

Thanks gerrym51! How long does that process of submitting documentation and insurance company decision typically take? the holdup is usually the physician. they don't submit proper documentation. just saying person needs it is not enough. once it's done correctly it usually is only a couple of days...
by gerrym51
Thu Feb 20, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: Getting Best Price for a Prescription Drug

Google "tadalafil best generic". You may have to sort through lots of stuff at different sites. pshonore, I didn't find any "serious" sites. The only other company that I've read that has a generic is CIPA our of India...and these are available through Canadian Pharmacies. gerry...
by gerrym51
Thu Feb 20, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: Getting Best Price for a Prescription Drug

Google "tadalafil best generic". You may have to sort through lots of stuff at different sites. pshonore, I didn't find any "serious" sites. The only other company that I've read that has a generic is CIPA our of India...and these are available through Canadian Pharmacies. gerry...
by gerrym51
Tue Feb 18, 2014 3:32 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: Getting Best Price for a Prescription Drug

Cialis patent in usa is NOT expired. can only get brand in usa
by gerrym51
Tue Feb 18, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: Getting Best Price for a Prescription Drug

the largest generic drug manufacturer in thw world is based in Israel-there name is TEVA. generic manufacturers are world wide and have plants wordwide. the problem is not that generics are made in other countries but that you have to know if you are ordering from scam artists. there are scammers in...
by gerrym51
Mon Feb 17, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: Getting Best Price for a Prescription Drug

Cialis patent has not expired in us. try to get it prescribed as Adcirca(for another use) or pehaps your MD can get an insurance approval for another use (possibly bph) if not used for ED.
by gerrym51
Sun Feb 16, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Getting Best Price for a Prescription Drug
Replies: 55
Views: 3728

Re: What to do when your in-laws run out of money?

reverse mortgages have pros and cons. the owner still has to make sure taxes are paid. still if a person has no money what else can you do.
by gerrym51
Sat Feb 15, 2014 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when your in-laws run out of money?
Replies: 22
Views: 3465

Re: Filed my tax return on my own - one last question

depends on what type of income and dedeuctions. my wife and i have always done our own taxes. now we have no mortgage and only ss,pension, and investment income.
we take standard deduction.

although this is no guarantee of no audit it is unlikely.
by gerrym51
Sat Feb 15, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 893

Re: Pet peeve: When people refer to this forum as "Bogglehea

i always spelled it Bogelheads. i do not see the spelling by outsiders as a big deal.now if they called it stupidheads-that might make a difference.Obviously we are running out of forum topics. :mrgreen:
by gerrym51
Thu Feb 13, 2014 11:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2432

Re: deleting my posts on bogleheads.org

I think you have to have a moderator do it.
by gerrym51
Mon Feb 10, 2014 10:40 pm
 
Forum: Forum Issues and Administration
Topic: deleting my posts on bogleheads.org
Replies: 18
Views: 2003

Re: "The dangers of long-term care insurance"

Quick question: if your LTCi pays $150/day for X days, does that mean the daily limit is capped at $150? In other words, will it pay $150 the number of days of your nursing home stay (up to a multiplier of X days)? Or will it pay your actual expenses up to the policy dollar limit days regardless of...
by gerrym51
Sun Feb 09, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 106
Views: 7564

Re: "The dangers of long-term care insurance"

My wife and i own 4 year LTCI policies from genworth. we can afford them and we look at them as prudent long term planning. I can't understand why people keep posting trying to tell us they are bad.

If you don't want to buy any then don't buy any.
by gerrym51
Sat Feb 08, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: "The dangers of long-term care insurance"
Replies: 106
Views: 7564

Re: "If your parents died early, will you die early too?"

father 53, mother 87. I'm currently 62
by gerrym51
Thu Feb 06, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3143

Re: Amazon Prime Price Increase

We've gotten good value from Amazon Prime as we shop at Amazon often and watch a lot of stuff on the Prime Instant Video. For the streaming content, we've found more TV shows (often British) than movies to view regularly on Prime. We have both Netflix and Prime and, so far, get enough value and dif...
by gerrym51
Wed Feb 05, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7630

Re: What is your targeted annual retirement income in today'

I took this poll as asking how much do you need yearly in retirement-my wife and i need 60,000 in todays dollars.
by gerrym51
Mon Feb 03, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: What is your targeted annual retirement income in today's $
Replies: 50
Views: 6251

Re: What fidelity fund?

at your age a total equity fund
by gerrym51
Sun Feb 02, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What fidelity fund?
Replies: 11
Views: 872

Re: Annuities not needed if you can fund a 30-year retiremen

Here's an interesting assertion from the Mr. Money Mustache blog. He asserts that if you have enough in your retirement portfolio to fund a 30-year retirement period (assuming any SWR that is comfortable for you), then you have enough to fund a retirement of unknown, longer length based on that SWR...
by gerrym51
Fri Jan 17, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Annuities not needed if you can fund a 30-year retirement
Replies: 26
Views: 2180

Re: Deferred Income Annuity/Longevity Insurance

I'm not a believer in annuities. Having said that I would wait until 70 to take SS and use as your annuity. for info i took at 62.
by gerrym51
Thu Jan 16, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Deferred Income Annuity/Longevity Insurance
Replies: 32
Views: 1745

Re: High Earners - What's Your Profession?

Pharmacist-now retired.
by gerrym51
Sun Jan 12, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22764
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