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Re: Pot-smoking tourists to Colorado??

I think it will be good for tourism. Why go to Utah to ski when you can go to Colorado and enjoy some legal cannabis while you're there?

Florida and Hawaii tourism would benefit greatly from legalization also. They should get it done.
by rixer
Sat Apr 19, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: Pot-smoking tourists to Colorado??
Replies: 9
Views: 578

Re: Baby Boomers: Top 10 Movies

Family Vacation
by rixer
Wed Apr 16, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Baby Boomers: Top 10 Movies
Replies: 35
Views: 2199

Re: making your own will or trust

I've been thinking of using "Legalzoom", their fee's are reasonable. I haven't any experience with them though.
by rixer
Wed Apr 16, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: making your own will or trust
Replies: 29
Views: 1605

Re: Looking for Low-Cost Eyeglass Shop I can visit

I also am happy with Costco eye services and glasses. I'll go back again next time.
by rixer
Wed Apr 16, 2014 10:36 am
 
Forum: Personal Consumer Issues
Topic: Looking for Low-Cost Eyeglass Shop I can visit
Replies: 25
Views: 1378

Re: TV show recommendations?

Bates Motel. I didn't think I was going to like it but "Bates Motel" is really a good show. There's a lot of things going on and you never know what to expect. Norma Bates is a manipulating woman who is trying to protect her son Norman. Another son shows up and he gets involved in the loca...
by rixer
Tue Apr 15, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14192

Re: Costa Rica?

I was only in Costa Rica one day as it was one of our ports of call on a cruise. Lovely country, we went rafting and saw plenty of wild life. My only problem was the drivers. Great Googily Moogily! We took our life in our hands riding on that tourbus. The guy was passing other busses on a two lane r...
by rixer
Sun Apr 13, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Costa Rica?
Replies: 14
Views: 1380

Re: Contractor not licensed but insured

Being insured and being licensed and insured is two different things. Just having liability insurance means that if he damages your property or if anyone gets hurt because of his actions, his insurance will likely cover it. It doesn't cover workmanship. Now because he isn't a licensed contractor, if...
by rixer
Sun Apr 13, 2014 2:18 pm
 
Forum: Personal Consumer Issues
Topic: Contractor not licensed but insured
Replies: 15
Views: 852

Re: 54 year old new investor with no retirement savings

Some would say getting married might be a viable alternative....
by rixer
Wed Apr 09, 2014 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 54 year old new investor with no retirement savings
Replies: 14
Views: 2444

Re: Netflix & Red Box

We use both Redbox and Netflix Streaming. Redbox is so very simple to use and it's inexpensive. Great for those new release movies. Netflix Streaming doesn't have much in the way of movies that you haven't already seen but you're right about the TV series. I've enjoyed watching TV series on Netflix ...
by rixer
Wed Apr 09, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1471

Re: 15 year vs 30 year fixed

I think you already came to the best decision, in my opinion. Take the 30 yr mortgage and pay on it like the 15 year. If things get tight and you have to scale back, you can make the regular payment and save some cash while not harming your credit. You have flexibility. In this case, I would send 2 ...
by rixer
Sat Apr 05, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: 15 year vs 30 year fixed
Replies: 62
Views: 5663

Re: Laid off today... TODO list?

1. Activate family health plan on my wife's side (she works, but we were using my plan so far) You might have to wait until their open enrollment period. Between now and then you may have to take COBRA. To my surprise, you were absolutely right. My wife works at the local school, so she's a state e...
by rixer
Wed Apr 02, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9554

Re: Pay Off Mortgage

After I pay off the mortgage, I will contact my home owner's insurance provider letting them know I paid off the mortgage. Is there anything else I need to do? Go to the county recorder and make sure the mortgage company signed off as leinholder. I paid my house off several years ago also. I havn't...
by rixer
Wed Apr 02, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage
Replies: 56
Views: 3785

Re: Laid off today... TODO list?

You got a severance and you're able to draw unemployment. With only a year to go for your planned early retirement, some people would draw unemployment until it runs out and then retire.
by rixer
Wed Apr 02, 2014 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laid off today... TODO list?
Replies: 97
Views: 9554

Re: Filing a Social Security Restricted Application

Careful. There might be some "Gotchas" because one of you is filing at age 62, before FRA. I don't think someone can then switch to have a way to get the "age 70 benefits". I'm also not sure that a spouse can claim when the "other spouse" isn't yet at FRA. You might be...
by rixer
Mon Mar 24, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Filing a Social Security Restricted Application
Replies: 10
Views: 793

Re: Collecting Spousal SS benefits

You could however, have her file for SS and collect while you file for restricted application when you turn 66. Then you could receive spousal benefit from her while you delay till 70 or whatever.
by rixer
Thu Mar 20, 2014 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Collecting Spousal SS benefits
Replies: 6
Views: 673

Re: Costco vs BJs vs Sams Club

We love Costco. they have the better products at reduced prices. the meat is great quality and I am constantly impressed with the cuts they have. Even their store brand items, Kirkland is very good quality.
Costco is my favorite store.
by rixer
Mon Mar 10, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Costco vs BJs vs Sams Club
Replies: 53
Views: 4007

Re: Worth fighting ticket to avoid points, higher insurance?

I got my first ticket in 25 years two years ago. I paid the fine but signed up and went to traffic school. I went to an actual classroom for this and it was all day but the best way was to do it online. A friend of mine did it online and it only took him less than an hour. This way it didn't go on m...
by rixer
Thu Mar 06, 2014 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Worth fighting ticket to avoid points, higher insurance?
Replies: 46
Views: 2698

Re: California getaway

As another suggestion, Santa Cruz might meet your needs. It is on the ocean, an hour's bus ride from the San Jose Airport, has a cute downtown, the best Mexican restaurant in California (in my opinion), a boardwalk/amusement park, lots of live music, and a seriously laid back attitude. Would that r...
by rixer
Wed Mar 05, 2014 8:51 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 1401

Re: California getaway

Three days in California isn't much time. It's a huge state with a variety of everything. If you just want to relax in a warm climate at the coast without the hustle and bustle, I would suggest the south central coast rather than the north coast as it is usually very windy and somewhat chilly up the...
by rixer
Wed Mar 05, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: California getaway
Replies: 42
Views: 1401

Re: TV show recommendations?

Blacklist What is that? It's an NBC show that just started it's second season. It's about a one time super spy named Raymond "Red" Reddington that turned criminal and years later walks into the FBI and surrenders. He has demands and supplies them with names on his blacklist of people comm...
by rixer
Wed Mar 05, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14192

Re: Do you have a favorite chocolate bar?

I LOVE those Doves individual chocolates! :D
by rixer
Wed Mar 05, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Do you have a favorite chocolate bar?
Replies: 86
Views: 4062

Re: TV show recommendations?

Blacklist
by rixer
Wed Mar 05, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14192

Re: Cross Country trip this summer. Any advise?

Stay away from Cousin Eddy's and Aunt Edna.
by rixer
Wed Mar 05, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: Cross Country trip this summer. Any advise?
Replies: 31
Views: 1210

Re: Get ready for the Dow at 6,000 by 2016: Pro

I hope he's wrong. It would put a hairy dent in my retirement. :shock:
by rixer
Tue Mar 04, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: Get ready for the Dow at 6,000 by 2016: Pro
Replies: 46
Views: 4498

Re: How to deposit checks made out to deceased ?

Whenever I have had problems with a teller, I just go outside and deposit at the ATM and that's the last I hear of it.

Not saying that's the right way but it usually works.
by rixer
Mon Mar 03, 2014 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to deposit checks made out to deceased ?
Replies: 9
Views: 1122

Re: Where to buy polo shirts?

Costco here too.
by rixer
Wed Feb 26, 2014 6:08 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy polo shirts?
Replies: 54
Views: 4119

Re: Vacation - Hawaii, Mexico, other ideas?

I like Hawaii best of the three you mentioned. It's clean, safer than Mexico and much more to do than in Vegas. I prefer Kauai as it isn't as commercialized.

Enjoy your vacation!
by rixer
Tue Feb 25, 2014 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Vacation - Hawaii, Mexico, other ideas?
Replies: 54
Views: 3182

Re: Best Non-Stick Pan or Skillet

We bought a set of Circulon at Costco that we're very happy with.
by rixer
Mon Feb 17, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Best Non-Stick Pan or Skillet
Replies: 51
Views: 4071

Re: Where to begin with looking for a used car?

Some area's have consignment parking lot sales on weekends. I've known people that found good private party sales that way. Try to find a car that is being sold by the original owner.
by rixer
Mon Feb 17, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Where to begin with looking for a used car?
Replies: 18
Views: 1043

Re: best tips for passwords?

You can probably just use a random car license plate number you are following on the way home from work. that would be hard to hack, I would think.
by rixer
Mon Feb 17, 2014 12:38 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8434

Re: Schwab or Vanguard

If you choose Vanguard etf's at Schwab instead of mutual funds, the cost is inexpensive. $8.95 I believe. They also have around 100 commission free etf's.
by rixer
Fri Feb 07, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard
Replies: 56
Views: 4910

Re: Schwab or Vanguard

I am very happy using Schwab but I don't have experience with Vanguard other than some of their etf's and funds I bought through Schwab. I like Schwab's customer service and their website is very helpful to me.
by rixer
Fri Feb 07, 2014 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard
Replies: 56
Views: 4910

Re: Help with health insurance for my 60 y.o. mother.

Wouldn't she be eligible for medicaid at that income?
by rixer
Wed Feb 05, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with health insurance for my 60 y.o. mother.
Replies: 25
Views: 1167

Re: Medicare Supplemental Insurance Cost

In California, I pay $37 month for plan F hi-ded. Actually,it'sslightlymore butI recieve a discount for paying annually. It is $450 per year which comes out to $37.50 mth. Be sure to check out the maximum out of pocket expenses on many of these medicare advantage plans before you purchase anything. ...
by rixer
Fri Jan 31, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplemental Insurance Cost
Replies: 19
Views: 975

Re: How did you transition from saving mode to spending mode

I will be retiring in a few months at age 63. My wife, age 60, would like to work full time a few more years. Neither one of us will have a pension and our plan is to hold off drawing social security at least until my wife turns 66. Based on this, we will need to withdraw from our portfolio to meet...
by rixer
Sun Jan 26, 2014 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How did you transition from saving mode to spending mode?
Replies: 15
Views: 1828

Re: Careers you've enjoyed

I owned a carpet cleaning business for 20 years. I loved being out and about every day and meeting new people. I had my favorite lunch spots all over town also. It afforded me a nice income to support the family, I was able to pay off the house and all other debts as well as fund my retirement. I ac...
by rixer
Sat Jan 25, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Careers you've enjoyed
Replies: 47
Views: 3786

Re: POLL: Investing vs. pay down mortgage feelings

I was paying down the mortgage and contributing to my ira/401k at the same time. I paid it off early because I didn't want to enter retirement with a mortgage. Yes, I could have invested that money outside an ira but at the time, paying off the mortgage was a sure thing and I was getting closer to r...
by rixer
Sat Jan 18, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 3833

Re: Seeking Advice/Direction: Kids Allowence, Paying for Cho

We tried the "allowance" thing when we were raising our kids. It was a nightmare for us. It ended up that they wouldn't do their chores but always wanted the allowance. Whenever we would remind them they didn't do their chores, they would cop an attitude, then the wife and I would get upse...
by rixer
Thu Jan 16, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Seeking Advice/Direction: Kids Allowence, Paying for Chores
Replies: 29
Views: 932

Re: What was your 2013 return?

40% stocks and 60% fixed income

10.41% for the year.

For me, fixed income is all over the board. I have 2 intermediate bond funds, 1 short term fund, mm fund and cd's. I wish I had a better handle on my fixed income but I don't..
by rixer
Thu Jan 02, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8522

Re: buy/hold vs. buy/hold/rebalance

What happens when you're in retirement and withdrawing from your portfolio? When you make an annual withdrawal, I thought it is best to re-balance at that time. Not so?
by rixer
Sun Dec 08, 2013 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: buy/hold vs. buy/hold/rebalance
Replies: 64
Views: 3278

Re: Converting to Safety Razors

I use a Mach 3 and love them. They last for months if you dry the blades off after each use.I rinse the blades off after use, blot dry with towel and then wave the razor through the air to air dry it. I usually end up changing the blade after months because the white teflon glide usually breaks up b...
by rixer
Thu Nov 28, 2013 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 3788

Re: Mailed in my pay off for my home today!

Congratulations! It's a huge accomplishment to finally pay off the mortgage. I've done it twice. The first time, I was younger and after paying it off, I decided we were too good to live there anymore. haha, as if. I borrowed money on it, rented it out and bought a nicer home in a better neighborhoo...
by rixer
Fri Nov 22, 2013 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailed in my pay off for my home today!
Replies: 26
Views: 2184

Re: Dying with $1 in Pocket

If I wasn't married, I'd careless if there was a dollar left when I passed or not. There is always the mortgage free home and other items the kids will have. Other than that, I plan on spending the money I worked so hard for and saved. I didn't save and go without for so many years just to give it t...
by rixer
Wed Nov 13, 2013 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3072

Re: Social Security Strategies

Say that spouse A is FRA, and spouse B is younger and hasn't yet filed. Can spouse A file Restricted Application for spousal benefits from spouse B if spouse B hasn't yet filed for Social Security?
by rixer
Tue Nov 05, 2013 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 22
Views: 2550

Re: Shiller Thinks Owning a Home is a Terrible Investment

The mortgage is paid off but if it was such a terrible investment, I'd borrow money on the house. I don't ever see that happening.
by rixer
Sun Nov 03, 2013 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller Thinks Owning a Home is a Terrible Investment
Replies: 255
Views: 20780

Re: Decision time on Medicare Part D

I have the AARP Saver Plus. I've only had it for a few months. I don't take but 1 inexpensive medication so unless something changes, I won't even reach the deductible. It would be cheaper for me to just not buy a Part D. but some meds are so crazy expensive, I got this plan just in case. It's $15 p...
by rixer
Tue Oct 29, 2013 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decision time on Medicare Part D
Replies: 15
Views: 883

Re: Medicare Supplement for 2014

I also have Plan F with hi-deductable (around $2,200 yearly ded) for $56 per month in Georgia with Blue Cross. I don't understand why anyone would pay $1,200 to $1,400 a year more to insure that $2,200 deductable. Or do I not understand the deductable, which is that I pay the first $2,200 of each h...
by rixer
Sun Oct 27, 2013 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement for 2014
Replies: 13
Views: 1533

Re: 2013/2014 Honda accord - any better values?

I would also look at the Toyota Avalon as an alternative to fully-loaded Accords and Camrys. Although our old 4 cyl Honda Accord was the best car we've ever had, when it came time to get a new car, we bought an Avalon. I still can't believe we didn't buy another Honda, but the Avalon is a such a sw...
by rixer
Sat Oct 26, 2013 11:02 am
 
Forum: Personal Consumer Issues
Topic: 2013/2014 Honda accord - any better values?
Replies: 66
Views: 10705

Re: Medicare Supplement for 2014

Thank you for that info. I haven't heard of WELLCARE CLASSIC but I'm going to look into it.
I just want to add that for me, Medigap Plan F hi-ded was the best option. It comes out to about $37 per month and it is the same cadilac plan as reg F after meeting a deductible.
by rixer
Sat Oct 26, 2013 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Supplement for 2014
Replies: 13
Views: 1533

Re: What would you Bogleheads do? An ACA question

If it were me, I'd take the Silver plan.
by rixer
Mon Oct 21, 2013 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would you Bogleheads do? An ACA question
Replies: 3
Views: 443
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