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Re: Why is The Suze Orman Show showing repeats?

Don't know why the reruns but I went to her website and it shows her twitter feed. She has been on vacation the last week or so. She also mentions that she is beginning to start taping new episodes. fyi- I too noticed reruns this summer when I had previously not seen reruns before. I guess they were...
by mbres60
Tue Sep 02, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Why is The Suze Orman Show showing repeats?
Replies: 20
Views: 2341

Re: Costco:is it worth it for just two people?

If you are close enough getting gas there (assuming they have a gas station as not all do) can put you ahead. We don't buy too much (although do indulge in all the free samples :D ). Mostly we buy toilet paper, paper towels and a few other items. It lasts a long time. We often walk in after buying g...
by mbres60
Sat Aug 30, 2014 11:11 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10913

Re: SS Benefit Amounts

What month did you reach FRA? DRCs are earned at a rate of 2/3% per month and are applied starting in January of the next year. Calculation using 8% per year will give incorrect answers. The wiki has a more detailed explanation. I'm surprised the person you spoke to at Social Security was not aware...
by mbres60
Sat Aug 23, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1108

Re: SS Benefit Amounts

Glad I am not the only one! Assuming my FRA benefit is approximately correct then I can figure out the next years til age 70. However, if my FRA amount is not correct…. :? I have a couple of more years to go although I may go to the SS office to confirm the amount next year after this years earnings...
by mbres60
Sat Aug 23, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1108

SS Benefit Amounts

I used the online calculator to estimate my social security benefit amounts after FRA. I needed to enter in to the calculator how much I earned over the years . I also needed to estimate how much in 2014 and 2015. I retired this year and already know how much I earned. Next year will be $0. It gave ...
by mbres60
Sat Aug 23, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: SS Benefit Amounts
Replies: 6
Views: 1108

Re: I failed SS login

It is more than 24 hours so I tried again. Different questions so I had no trouble this time. After logging in I saw a tab that said security settings so clicked on it. That is where it tells you that your password will expire in I believe 179 days. In my case Feb 17, 2015.

Thanks
by mbres60
Thu Aug 21, 2014 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1801

Re: I failed SS login

Thanks all! I'll try again tonight and see if it works. Hopefully I won't have to go to the SS office or call.
by mbres60
Thu Aug 21, 2014 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1801

I failed SS login

Yesterday I tried to set up a login account with the social security website. I failed. :twisted: Says I have to wait 24 hours before I can try again. Does anyone know if it is to the minute? It was around 6 pm last night. Do the questions change? The question I had to have messed up is the one whic...
by mbres60
Thu Aug 21, 2014 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: I failed SS login
Replies: 18
Views: 1801

Re: High School Reunions--Have you attended?

I moved away. Went to the 10th (It was "ok") and went to the 40th. The 40th was wonderful. Lots of fun seeing all these people I hadn't seen since I was 18.
by mbres60
Sun Aug 03, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5225

Re: Two month car rental

When renting a car for 2+ months and expecting to drive 7-10K miles, is the renter responsible for bringing the car in for service, oil change etc? We too are going on a road trip like you but for less time. We debated about renting a car or not (ours has 139,000 miles). Our mechanic said it was go...
by mbres60
Sun Jun 29, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 1979

Re: Rachel is everywhere!

I feel sorry for all the real Rachels who have to make legitimate calls and say "hi this is Rachel". Do people hang up on their friends?
by mbres60
Sat Jun 28, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Rachel is everywhere!
Replies: 10
Views: 1382

Re: water bottles and road trip

Thanks for all of your suggestions!
by mbres60
Sat Jun 21, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1859

water bottles and road trip

We are taking a long road trip this summer and need to have water with us. I know that the heat is not good for plastic. How do those of you who have taken extended road trips deal with this? We will be in many areas that are remote so buying on a daily basis is not feasible. If we buy a case of wat...
by mbres60
Sat Jun 21, 2014 11:30 am
 
Forum: Personal Consumer Issues
Topic: water bottles and road trip
Replies: 32
Views: 1859

Re: Shopping at Costco

The COSTCO where I shop (Virginia) checks id/membership at the door when you go in. I don't even think you can get to the pizza/hot dogs/drink/etc. area without a membership. Before we joined Costco we used to go inside the store through the door where people go out. We would then walk over to the ...
by mbres60
Tue Jun 17, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5283

Re: Roll Call for the Retirement Class of 2014!

Retired May 31.. 63 years young.
by mbres60
Wed Jun 11, 2014 9:31 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 180
Views: 16990

Re: NYC for the day… what to do with the car

Rainier wrote:Where are you staying in CT? If you are along the metro north line the lots are generally free on the weekend (maybe not in the bigger cities)


Heading to Shelton which is the last town in Fairfield County. Too far to drive and take a train into the city and back out. Too much backtracking.
by mbres60
Tue May 27, 2014 7:15 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

Re: NYC for the day… what to do with the car

Thanks all! We will probably park at Tarrytown and take the train. The website says on days of Yankee games there is a $10 fee to park. Anyone know if it is self parking?
by mbres60
Tue May 27, 2014 6:10 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

Re: NYC for the day… what to do with the car

My dh doesn't want to use valet parking so we will probably not drive into the city (unless he changes his mind). I have tried reading the websites for the Tarreytown Metro North station. It is unclear to me about the parking. It is free week ends except for Yankee home games ($10 and there is a hom...
by mbres60
Mon May 26, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

Re: NYC for the day… what to do with the car

Any place after the bridge to park and take a train? ... If so, how long would it take to get into Manhattan? Any ideas? Thanks. There are three commuter rail lines into NYC from east of the Hudson River: the Hudson, Harlem, and New Haven lines. If you're coming across the Tappan Zee Bridge heading...
by mbres60
Mon May 26, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

Re: NYC for the day… what to do with the car

Given the brevity of the visit and the fact that you will be there in Saturday, it might make more sense to brave a short drive into Manhattan. Get off the GSP at exit 129 and take the NJ Turnpike into the Manhattan (Lincoln Tunnel) and park somewhere around 11th Ave and 34th, good chance of findin...
by mbres60
Mon May 26, 2014 8:46 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

NYC for the day… what to do with the car

My dh and I have something doing in CT Sunday night. Long ago I made hotel reservations for Saturday and Sunday but now find there is no need to be there Saturday so could cancel the room. My dh suggested we spend the day in NYC (haven't been there since the 90's) and then drive to CT at night as we...
by mbres60
Mon May 26, 2014 7:41 am
 
Forum: Personal Consumer Issues
Topic: NYC for the day… what to do with the car
Replies: 18
Views: 1113

Re: Denied Free Retirement Plan

My 401k is administered by Vanguard but I can not combine those funds with my IRAs and taxable to reach flagship status. I don't know why but they said no. I guess I'll have to wait til I'm 70 and roll it over to an IRA to reach that level (I get lower fees in the 401k than I would if I rolled it to...
by mbres60
Sun May 25, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denied Free Retirement Plan [at Vanguard]
Replies: 31
Views: 3460

Re: CNBC - 4% doctors are millionaires!!

nisiprius wrote:I think the chart is saying that only 4% of millionaires are doctors. That's quite different from saying only 4% of all doctors are millionaires.


I agree. The chart shows that 4% of millionaires are doctors.
by mbres60
Thu May 08, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: CNBC - [Among millionaires, 4% are doctors]
Replies: 100
Views: 11030

Re: Purchasing IPad and need advice

Sidney wrote:You might consider getting a portable wifi hotspot and skipping the embedded cellular in the Ipad. Then you could use either the laptop or the Ipad with the wifi


Thanks but we don't have smartphones and need the cellular service to get on the internet while driving to search out hotels, etc.
by mbres60
Sun May 04, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 1979

Re: Purchasing IPad and need advice

Thanks all! I do have a few questions though. DSInvestor- will the iPad come with something to hook up to my Macbook Pro? What happens to these devices in the heat of the trunk all day? (the iPad would be in the car with us but if we bring the laptop it would be in the trunk) kenschmidt - how do you...
by mbres60
Sun May 04, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 1979

Purchasing IPad and need advice

As the title says…. We don't have smart phones and are planning on buying an IPad with wifi and cellular service (going on a long trip and will need the cellular service). What I am not sure of is if we should get the 16 gb or 32 gb. Mostly we will use it for surfing the web, email and some photos. ...
by mbres60
Sun May 04, 2014 11:22 am
 
Forum: Personal Consumer Issues
Topic: Purchasing IPad and need advice
Replies: 25
Views: 1979

Re: Medicare and FEHB

It really is a hard decision because we don't know our future health needs. My dh is turning 65 soon (he is the retired fed). Our health insurance is through an HMO . If we pay for Part B this HMO does not waive the copays so it would be to have it in case we want to change plans someday or for som...
by mbres60
Mon Apr 21, 2014 7:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1247

Re: Medicare and FEHB

It really is a hard decision because we don't know our future health needs. My dh is turning 65 soon (he is the retired fed). Our health insurance is through an HMO . If we pay for Part B this HMO does not waive the copays so it would be to have it in case we want to change plans someday or for some...
by mbres60
Sun Apr 20, 2014 5:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare and FEHB
Replies: 16
Views: 1247

Re: Financial plan for pensioned in-laws

I'll help to answer question #1. The answer is that earned income is from doing work, not earning a pension. Therefore they don't qualify unless someone picks up a part time job somewhere.
by mbres60
Sun Apr 13, 2014 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial plan for pensioned in-laws
Replies: 19
Views: 1323

Re: Death of co-worker

Sorry for your loss. It is all a balancing act as we don't know what will happen. If we just lived for today we could be broke for our tomorrows.
by mbres60
Sun Mar 30, 2014 9:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 10188

Re: Opinion on pension options

The 3 fund portfolio is fine for this purpose, at either your 50/50 allocation or even a bit lower on the stocks, if necessary. When you say you "mostly" do the 3 fund portfolio, however, it's important to know how it might vary. It's good that you are in low expense funds. Other alternat...
by mbres60
Thu Mar 20, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 573

Re: Opinion on pension options

Anybody else have any thoughts? What would you invest the $20,000 in so you could have a monthly payout of approx $117 that will keep pace with inflation. Keep in mind it would be in a tIRA. Also, would setting this tIRA have an effect when I take out my after tax contributions from my 401k in about...
by mbres60
Thu Mar 20, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 573

Re: Opinion on pension options

Pension will almost certainly get you a better rate than a lump sum buying an annuity. People who buy annuities live longer than the average, so they get worse rates. Vt, you know I have to play devil's advocate. Yes, there is an adverse selection premium, and let's remember there is gender bias, a...
by mbres60
Wed Mar 19, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 573

Re: Opinion on pension options

Thanks Valuethinker. It is so difficult to choose options when you can't really tell which is best. I always hate to spend extra money when I don't have to so the guarantee doesn't look so good, however, if I should pass I know my dh would be thinking that I should have chosen the guarantee. It is o...
by mbres60
Wed Mar 19, 2014 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 573

Opinion on pension options

I will be retiring soon and need to make my pension decisions. My spouse is a retired federal employee so most of our income is from that pension (CSRS). Mine is a small pension that is NOT cola'd. He does not need my pension to live on if I predecease him. I paid nothing into my pension as it is al...
by mbres60
Wed Mar 19, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Opinion on pension options
Replies: 7
Views: 573

Re: Costco travel for cruise purchase?

No matter which TA you go with check out their policies about what they will charge you to get the price drop if the cruise line reduces the cost of the cruise. (they won't automatically reduce your price but if you bring it to their attention they will reduce your price if it is before final paymen...
by mbres60
Tue Mar 11, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Costco travel for cruise purchase?
Replies: 11
Views: 2069

Re: Costco vs BJs vs Sams Club

Costco by a mile. Belonged to BJ's for a while and now I have seen the light. In particular, the Kirkland branded stuff is very good. Examples are their paper towels, laundry detergent, tomato sauce, extra virgin olive oil, and tuna. There is a Forbes article on the tuna that will tell you somethin...
by mbres60
Mon Mar 10, 2014 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 7883

Re: Costco vs BJs vs Sams Club

We belong to both. I suggest you go to them and look around. Bj's you can just walk in but Costco you would have to go to member services desk as they make you show your membership card to walk in the door. Bj's accepts manufacturer's coupons whereas Costco does not. As a matter of fact if you shoul...
by mbres60
Sun Mar 09, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 7883

Re: Costco travel for cruise purchase?

We used Costco Travel for two cruises.. both on Princess. The first one we got a nice discount. The second one they said they couldn't discount anymore but we got an onboard credit. That credit was not as big as the discount we got on the first cruise. They have a good deal on travel insurance and y...
by mbres60
Sat Mar 08, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Costco travel for cruise purchase?
Replies: 11
Views: 2069

Re: Cross Country trip this summer. Any advise?

My dh and I are planning a cross country driving trip this July. We will be using our car. Any tips and or advise from someone who has done this? Thanks for any and all tips. My wife and I have done cross country trips several times. You should enjoy it. Plan your trip and do research to determine ...
by mbres60
Thu Mar 06, 2014 9:22 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1611

Re: Water heater - gas or electric?

As for draining the water heater…. would it work if it were turned it off and we just turned on our faucets to drain in all our sinks? No. You'd need to run a garden hose from the drain valve on the bottom of the WH to the closest basement floor drain. - Turn off power to the WH - Turn off the wate...
by mbres60
Wed Mar 05, 2014 11:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 4268

Re: Water heater - gas or electric?

Thanks all. We will have to get an electric water heater. I would not pay all the extra money if I couldn't use it when the power went out. We have no chimney. Years ago I remember we once paid a plumber to replace an anode. The water heater just wasn't heating much and apparently that was the probl...
by mbres60
Wed Mar 05, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 4268

Re: Cross Country trip this summer. Any advise?

Because we have not yet purchased the IPad yet I wasn't thinking in terms of apps. That is the mindset of someone without a smartphone. It is a whole different world I guess. A lifetime ago we lived for a while in California so we have taken the drive up the coast from LA to San Francisco. Beautiful...
by mbres60
Wed Mar 05, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1611

Re: Cross Country trip this summer. Any advise?

Good ideas. Thanks. We have a gps that is several years old maybe as much as 5 yrs old. Would we really need to buy a new one? We do have AAA so will have paper maps. I'll also have an IPad with cell service although don't know if that will be good in remote areas. It will be hard to make reservatio...
by mbres60
Wed Mar 05, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1611

Re: Cross Country trip this summer. Any advise?

Thanks all. We are planning to take about a month. We'll be starting on the east coast in the mid atlantic area. We do have the National Parks pass. One good thing about being older :D . Our plan is to travel to Memphis, Branson, MO, Dodge city, KS (my dh loves the westerns) and then down towards AZ...
by mbres60
Wed Mar 05, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1611

Cross Country trip this summer. Any advise?

My dh and I are planning a cross country driving trip this July. We will be using our car. Any tips and or advise from someone who has done this?

Thanks for any and all tips.
by mbres60
Wed Mar 05, 2014 9:49 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1611

Re: Replying in a thread you started

I think it all depends on the question the Op asked. I know as a reader it is irritating when a lot of people spend time answering and the Op either never responds back or does only one time and therefore never answers any of the other questions people are asking them so they can help. Why bother po...
by mbres60
Fri Feb 28, 2014 9:02 am
 
Forum: Forum Issues and Administration
Topic: Replying in a thread you started
Replies: 13
Views: 2483

Re: Water heater - gas or electric?

I faced the same decision point as you. My house has gas furnace but everything else was electric including hot water. I looked at gas tankless and eliminated it because of cost (payback was north of 15 years) and there were reliability issues. I never considered electric tankless because they don'...
by mbres60
Thu Feb 27, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 4268

Re: Water heater - gas or electric?

Thank you all. I doubt we will go with tankless as it is too expensive and we will never recoup our costs. Don't know how long we will live here but am not a "spring chicken". Luke Duke- the pan we have under our water heater is the largest they sold. I assume we get bids from plumbers to ...
by mbres60
Thu Feb 27, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 4268

Re: Water heater - gas or electric?

Thanks. We do have a water sensor that we bought at Home Depot. We also have the water heater in a pan but because the heater is so big we only have about an inch of space between the heater and the edge of the pan. Not much room for a lot of water. However if water does drip into the pan the sensor...
by mbres60
Thu Feb 27, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Water heater - gas or electric?
Replies: 49
Views: 4268
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