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Re: Bank Blackmail? [Credit Card Upgrade]

Ged:

Didn't mean blackmail in the literal sense...perhaps I should have put it in " blackmail"

Lucky3
by lucky3
Thu Oct 09, 2014 7:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1708

Bank Blackmail? [Credit Card Upgrade]

Came home to find a mailing from one of the top five national banks informing me that the credit card I had for over 20 years (free) is being upgraded and the first year of the $95 fee would be waived. The new card has the improved chip that Europe has been using for years. The mailing said if I did...
by lucky3
Thu Oct 09, 2014 7:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank Blackmail? [Credit Card Upgrade]
Replies: 22
Views: 1708

Medicare Plan D [Tale of Woe]

This is my first year under original Medicare with an AARP Plan F Supplement, Part D will Silver Script. All was going well unti Iwnet to refill a 90 day supply of medicine which last time cost me $60...this time $241.....yes, I entered the dounut hole....over the $2800 allowance before the year end...
by lucky3
Fri Sep 19, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Plan D [Tale of Woe]
Replies: 21
Views: 1998

Re: Where to start?

Tempest: Hi and welcome.... ...credit card debt is expensive to have, try to make an effort to pay more then the minimum if you can. Then start an emergency fund. At 21 it would be nice to start investing in index funds but first things first. At 21 you have plenty of time to invest...get your finan...
by lucky3
Fri Sep 12, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to start?
Replies: 8
Views: 842

Look for the Butterfly!

Been on the board now for some time and everytime I see an interesting topic, I tend to review the answers and look for what the butterfly says....Nisiprius. I often agree and have grown to respect his comments. I know we're anonymous, but I was wondering what he does in his "civilian" lif...
by lucky3
Wed Aug 20, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Look for the Butterfly!
Replies: 4
Views: 734

Annuity as Part of RMD

Recently read that you can reduce your annual RMD by up to 25% by buying a QLAC and earmarking that amount to the annuity.

Sounds good on the surface, but I wonder if it's worth the added paperwork? Really an estate question I guess.

Lucky3
by lucky3
Wed Aug 13, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Annuity as Part of RMD
Replies: 2
Views: 368

International Exposure??

I am more a Boglehead then not...but, I have a confession to make. Years ago I had exposure to international equities (as most Bogleheads do). But after a good number of years of loosing $ or just standing still, I finally sold off the fund and haven't been international for many years. Now I'm thin...
by lucky3
Mon Aug 04, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Exposure??
Replies: 3
Views: 318

Vanguard Options for RMD

Need to take RMD for the first time this year from Star Fund...will reinvest it in a non-retirement account with Vanguard. Current AA is 50%/50%

Any recommendations as to which fund? Life Style?

Lucky3
by lucky3
Wed Jul 30, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Options for RMD
Replies: 4
Views: 664

[Saudi Arabian stock exchange to open to foreign investors]

Anybody looking forward to this market opening to investors in 2015?

Can anyone trust the listed companies on the exchange?

Lucky3
by lucky3
Wed Jul 23, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: [Saudi Arabian stock exchange to open to foreign investors]
Replies: 18
Views: 1410

Longevity Annuities

Lots of press recently on Longevity Annuities....drawing on payments starting around 80? Seems like a crap shoot of a gamble with odds going to the insurance companies...what do the bogleheads think?

Lucky3
by lucky3
Tue Jul 08, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Longevity Annuities
Replies: 18
Views: 2726

Re: Please Help Me Plan A Trip To Italy

For convenience and ease, the best trip I ever took was taking a Perillo tour in Italy....they know where to go, you do nothing but enjoy!

Lucky3
by lucky3
Tue Jul 08, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Please Help Me Plan A Trip To Italy
Replies: 31
Views: 2308

Re: 2015 Subaru Outback

What did you think about the Legacy? I drive a 2006 Legacy with 145,000 miles on it...still running well.

Lucky3
by lucky3
Mon Jun 30, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 27
Views: 4412

RMD into Vanguard Lifestyle Fund

I'm 67 and still employed so I don not need the income from my wife's (70) RMD from Vanguard's Star Fund. I'm thinking of investing the RMD in a Vanguard Lifestyle fund, but which one?

Lucky3
by lucky3
Mon Jun 02, 2014 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD into Vanguard Lifestyle Fund
Replies: 2
Views: 469

Re: MEMORIAL DAY, 2014

Thanks Taylor for reminding all of us what the day is really about. I was talking with my wife the other day and saying more or less the same thing. Many people today think Memorial Day is: 1. the start of the summer season 2. a good time to buy a mattress because of the sales 3. a three day weekend...
by lucky3
Tue May 27, 2014 3:41 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: MEMORIAL DAY, 2014
Replies: 17
Views: 2237

Re: Restaurants in New York City?

Can't go wrong with Capital Grill ... near Grand Central Station on 42nd street .. nice dinner place!

Lucky3
by lucky3
Tue May 20, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Restaurants in New York City?
Replies: 42
Views: 2928

Change to IPhone 5C with 32 GM

Verizon just offered me a chance to change my old razor flip phone for a new IPhone 5C with 32 GB for FREE...I've resisted giving up my razor phone since I really only use it for short calls. I've been told that one you start to text and access the web with the I phone, you'll wonder how you did wit...
by lucky3
Mon May 19, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Change to IPhone 5C with 32 GM
Replies: 4
Views: 413

Anybody solve this problem? [washer hose issue]

Sounds a bit silly, but here's a little problem I'm trying to solve..... ....my washing machine in the basement of my house has a hose that empties into a slop sink that's next to it. The problem is that often the hose falls out of the sink and the exiting water from my machine floods the basement f...
by lucky3
Fri May 09, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Anybody solve this problem? [washer hose issue]
Replies: 15
Views: 1491

RMD From One Star to Another?

We don't need the money at this time but it's time to start the wife's RMD out of her Vanguard Star fund into......................what? another Star fund or is there a better option with Vanguard? (as long as it fits our AA).

Lucky3
by lucky3
Wed Apr 30, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD From One Star to Another?
Replies: 2
Views: 282

Re: Bailing On Pimco Bond?

I really wasn't trying to compare the S&P 500 to a bond fund....certainly I know the difference. My point was that not everything is doing well in terms of cash entering the asset class as this equity index.

Lucky3
by lucky3
Thu Apr 03, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 2280

Bailing On Pimco Bond?

The S&P 500 is doing great but $3 billiion was withdrawn from Pimco's bond fund....any Bogleheads heading for the door on Pimco?

Lucky3
by lucky3
Wed Apr 02, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 2280

Re: Farmers Auto, house, umbrella insurance

Just went through the process and took Traveler's for my home, auto and umbrella....had the best combo rate and they have good service...without the hurricane wind deductable I had with my prior company.

Lucky3
by lucky3
Tue Mar 11, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Farmers Auto, house, umbrella insurance
Replies: 9
Views: 926

Re: Any Subaru owners out there?

2006 Legacy with 130,000 miles on it....like it!

Lucky3
by lucky3
Mon Mar 10, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Any Subaru owners out there?
Replies: 53
Views: 5016

Trading Authorization on Wife's Account?

For married Bogleheads who's wives have their own IRA's..... ....both Fidelity and Vanguard have forms that can give full or limited access to your wife's IRA and will give her access to yours.....I guess there's pros and cons for this but after 40 years of marriage we can certainly trust each other...
by lucky3
Wed Mar 05, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Trading Authorization on Wife's Account?
Replies: 40
Views: 1542

Re: Which Chromebook?

HP Chromebook has a 14" screen and most Chromebook's have 11"...........

.....an important factor if you're over 65!

Lucky3
by lucky3
Tue Mar 04, 2014 11:14 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 42
Views: 3522

Re: Which Chromebook?

Just bought HP Chromebook 14 online at Walmart for $349 (includes T-Mobile when you can't get on wifi).....not a bad little machine for the price. Multiple users can use it and it's user friendly once you get the hang of it.

Lucky3
by lucky3
Thu Feb 20, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Which Chromebook?
Replies: 42
Views: 3522

Re: USAA Auto Insurance?

To answer one of the poster's question...yes I am eligible for USAA, in fact I'm already a member but not a buyer yet>

Lucky3
by lucky3
Tue Feb 11, 2014 10:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 8820

Re: I'm feeling old today

I remember them all...watched them on my Dumont black and white...small screen housed in a giant piece of furniture. I always thought that if Winky Dink ever returned the kids today would love it...simple fun without the modern video game technology. My wife was in the "peanut gallery" and...
by lucky3
Tue Feb 11, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 7267

USAA Auto Insurance?

Thinking about switching auto insurance after being with Allstate for many years....premiums seem to be just too high for two cars, $2,600 annually.

Anyone have anything to say about USAA? their claims, etc?

Lucky3
by lucky3
Tue Feb 11, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: USAA Auto Insurance?
Replies: 70
Views: 8820

Boca Raton Visit Next Winter

Not exactly ready to buy a condo yet but wife is after me to experience Boca next winter for 10 days or two weeks... a respite from the snow and the possibility that I might like it enough to buy a condo eventually. Any suggestions on where to stay for a few weeks? i.e. Embassy Suites in Boca or a b...
by lucky3
Wed Feb 05, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Boca Raton Visit Next Winter
Replies: 2
Views: 226

Re: AARP Medicare Supplement Ins (United Healthcare

Mur44: You're correct in what you are saying however this year's premium for the non cadilac plan will be $170 monthly for me to buy up to a better plan. Assuming I enroll in Part B,and get a Part D Rx, AARP plan and a company paid dental/vision plan...there would be no "out of pocket" $ f...
by lucky3
Mon Feb 03, 2014 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medicare Supplement Ins (United Healthcare
Replies: 34
Views: 3705

AARP Medicare Supplement Ins (United Healthcare

Me: 67 full time employee Wife: 70 Retired Company paid 100% of Aetna "cadillac" health plan...now, because of premiuns, dropping down two levels, and will still pay 100% but now with a $1,000 a person deductible, then member coinsurance of 20%. I could "buy up" and pay the diffe...
by lucky3
Wed Jan 29, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: AARP Medicare Supplement Ins (United Healthcare
Replies: 34
Views: 3705

Anyone Know the Answer to IRA Contribution?

Wife is turning 70 1/2 in March of this year and will start taking her RMD....can I still make a partial, non-deductible, spousal contribution to her 2014 IRA?

Lucky3
by lucky3
Fri Jan 17, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone Know the Answer to IRA Contribution?
Replies: 3
Views: 366

Re: The Winter Blahs

Don't lose sight of what's really important in life...

... just found out a co-worker of mine has stage 4 liver cancer.

Lucky3
by lucky3
Fri Jan 10, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 3404

Re: How many folks have a dog?

There are very few things in this world that can give you unconditional love besides a dog. A dog really enriches your life. Don't buy a dog at a pet shop...go to your neighborhood shelter and tell them what you are looking for .. or, go online. As long as you can make provisions for the dog while y...
by lucky3
Thu Dec 26, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: How many folks have a dog?
Replies: 112
Views: 7806

Re: Stock investing and the fear of flying

Rick: You probably could sum it up in three words.....loss of control! A passenger in a plane experiences anxiety over turbulence because he's not flying the plane....loss of control! An investor may not go for equities and remain in fixed income for the same reason....loss of control! Both examples...
by lucky3
Wed Dec 04, 2013 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Stock investing and the fear of flying
Replies: 57
Views: 3864

Dropping Verizon for [Optimum's] Triple Play?

On the verge of dropping Verizon home landline (still use them for cells) in favor of Optimum's Triple Play (internet tv and phone)...big monthly savings.

Did any Boglehead do this and then regret it?

Lucky3
by lucky3
Wed Nov 13, 2013 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Dropping Verizon for [Optimum's] Triple Play?
Replies: 6
Views: 570

Re: Merge Traditional Roth for RMD?

Oops...I meant "traditional" in the subject line...if it was a Roth I wouldn't have to worry about RMD in the first place.

Lucky3
by lucky3
Wed Nov 13, 2013 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merge Traditional Roth for RMD?
Replies: 7
Views: 322

Merge Traditional Roth for RMD?

The wife, who just turned 70 has three traditional IRA's which she will have to deal with RMD in the coming year or next.

Is it a good idea to transfer the three IRA funds into one fund to make the RMD easier to deal with?

Lucky3
by lucky3
Wed Nov 13, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Merge Traditional Roth for RMD?
Replies: 7
Views: 322

Re: Bar/Bat Mitzvah - where to invest money [received]

Mazel Tov!

How about opening up two 529 college funds with the funds.

Lucky3
by lucky3
Wed Oct 23, 2013 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bar/Bat Mitzvah - where to invest money [received]
Replies: 7
Views: 867

An UnBoglehead think to do!

This is addressed to a small % of the bogleheads that might have an "emotional" attachment to the State of Israel....we all know why we buy State of Israel Bonds, but does the same reason apply to investing in securities in the stock market there? ... a sector fund in Israel is bound to be...
by lucky3
Tue Oct 01, 2013 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: An UnBoglehead think to do!
Replies: 4
Views: 1357

Weight Loss Plans?

Any Bogleheads out there try the weight loss plans of Medifast or Nutrisystems? Non-insulin dependent diabetic lost 40 lbs on Medifast (Take Shape for Life) diet. Got A1C down to a good level then started to go off the diet a little and experienced "weight creep". Thinking of going on Nutr...
by lucky3
Tue Sep 17, 2013 11:25 am
 
Forum: Personal Consumer Issues
Topic: Weight Loss Plans?
Replies: 109
Views: 6558

Immediate Annuity

Just read an article by Ben Stein where he says an immediate annuity is the best to inure income in your retirement years. I also thought that due to high commissions, annuities were problematic.

Your opinions? What's really the downside besides loosing control of your money?

Lucky3
by lucky3
Wed Sep 04, 2013 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Immediate Annuity
Replies: 8
Views: 967

Re: [Sad news - Pat Larimore]

Taylor:

Sorry to hear of your loss....the pain of loss is the price we pay for being human...the video was a touching tribute, may she rest in peace.

Lucky3
by lucky3
Thu Aug 01, 2013 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16172

Re: Email more efficient than phone calls?

It actually tends to be a generational thing....under 40 emails, over 40 tends to be phones...at least that's my working experience

Lucky3

PS Those people that perfer not to respond "on their feet" tend to like email better because it gives them time to organize their thoughts.
by lucky3
Thu Jul 11, 2013 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Email more efficient than phone calls?
Replies: 42
Views: 2436

Venting a Cape?

Been living in a Cape Cod house for many years and while I have individual ac units upstairs in the bedroom, I dislike a/c air and use it only when I have too. Would much prefer on non-humid days to vent the air outside.....I was told this can't happen in a Cape (no attic space)...true? Anyone else ...
by lucky3
Tue Jun 18, 2013 10:04 am
 
Forum: Personal Consumer Issues
Topic: Venting a Cape?
Replies: 6
Views: 1102

Gold and Silver Coins in IRA?

Age 66, fairly well diversified in my AA...but no hard metals. What do the Bogleheads think about directing my 2013 IRA to Gold coins (APMEX account)?

Lucky3
by lucky3
Thu Jun 13, 2013 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gold and Silver Coins in IRA?
Replies: 26
Views: 1533

Re: SS options

My experience with SS....similar age difference as you and your wife. When I reached FRA at 66 I did a "file and suspend" which caused my wife's SS to go up because taking her spousal benefit was greater than her own SS based on her work history. When I turn 70 I'll start collecting...plan...
by lucky3
Thu Jun 13, 2013 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: SS options
Replies: 8
Views: 570

Re: The Boglehead Car -- What is It?

Subaru Legacy....2006 up to 118,000 miles and still going strong...all wheel drive, good on mileage...what else could a Boglehead ask for?

Lucky3
by lucky3
Mon Jun 03, 2013 4:39 pm
 
Forum: Personal Consumer Issues
Topic: The Boglehead Car -- What is It?
Replies: 150
Views: 11683

[Cellphone] Data Packages

Finally thought the wife and I would make the jump from a dumbphone to a smartphone. We're on Verizon currently on a share plan of 500 minutes and pay roughly $60 to $70 monthly for both phones monthly. Verizon tells me I would have to add $30 per phone for a data package to add to my plan....so, I'...
by lucky3
Tue May 14, 2013 1:20 pm
 
Forum: Personal Consumer Issues
Topic: [Cellphone] Data Packages
Replies: 7
Views: 717

Re: Young, Engaged Couple Looking for Advice

After you establish an emergency fund, begin investing small amounts in your core holdings based on your asset allocation. Educate yourself by reading the wiki and websites of Vanguard & Fidelity. Sometimes being "terribly afraid" and not investing at all may, in fact, be the worst thi...
by lucky3
Thu May 09, 2013 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Engaged Couple Looking for Advice
Replies: 18
Views: 1359
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