Search found 385 matches

by rixer
Sat Jun 27, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 43
Views: 3215

Re: Colorado Vacation suggestions

Perhaps a short stay at cannacamp...
http://cannacamp.co/
by rixer
Tue Jun 23, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Best window treatment or shades for large windows
Replies: 10
Views: 820

Re: Best window treatment or shades for large windows

We have shutters on all windows except for two big windows like yours. Those windows look into the back yard so we wanted an more unobstructed view than shutters provide. One window was 10 feet wide and the other was a 8 foot slider. Shades just didn't work on the ten foot window. Too wide. I hate v...
by rixer
Tue Jun 23, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Best Advice [Best single piece of advice to give a new investor]
Replies: 56
Views: 4435

Re: Best Advice [Best single piece of advice to give a new investor]

I'll let you figure out how much you need to save but the best advice I can give you is to "Pay Yourself First". Either have your retirement funds taken from your check and contributed to your IRA or 401k or make the deposit yourself each payday. Use this method for ALL savings. Then learn...
by rixer
Mon Jun 22, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3151

Re: SS bennies

I had that happen. I don't know if this is what happened with yours or not but when I was searching through my SS account, the last year showed up as "0" income. I kept waiting for them to list it correctly but it never happened. When I called about it, it turns out that because I didn't ...
by rixer
Mon Jun 22, 2015 8:24 am
Forum: Personal Finance (Not Investing)
Topic: SS bennies
Replies: 23
Views: 3151

Re: SS bennies

I had that happen. I don't know if this is what happened with yours or not but when I was searching through my SS account, the last year showed up as "0" income. I kept waiting for them to list it correctly but it never happened. When I called about it, it turns out that because I didn't h...
by rixer
Tue Jun 16, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2474

Re: How to remove coffee stain from carpet? [How much to pay landlord?]

One option is to repair the carpet where it was bleached. You won't be able to purchase any carpet to match close enough to use as a donor insert where the damaged carpet is. However, if you have the same carpet in a closet, it's possible to take up the closet carpet and use that piece as a donor in...
by rixer
Mon Jun 15, 2015 9:30 am
Forum: Personal Consumer Issues
Topic: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts
Replies: 42
Views: 11888

Re: Cheap & Good Wrinkle-Free/Non-Iron Dress Shirts

I just picked up a couple of Dakota Grizzly shirts at Costco for $15 each. These are great shirts for being out in the sun and traveling. They are light weight, won't wrinkle if you hang them out of the drier, they have vents in the sides and back, a fold up collar to keep the sun off the neck, a se...
by rixer
Sun Jun 14, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: How to remove coffee stain from carpet? [How much to pay landlord?]
Replies: 34
Views: 2474

Re: How to remove coffee stain from carpet?

I spilled coffee on a cream colored carpet and nothing would touch it. I turned to the secrets of the carpet cleaning professionals: 40 weight clear liquid hair dye developer (not the creme, the liquid). Worked like a charm, no damage to the carpet BFG Right. 40 vol developer is about a 12% mixture...
by rixer
Fri Jun 12, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 1746

Re: Carpeting stairs

i'm getting ready to replace the carpet upstairs. i have no idea what the stairs look like under the carpet, but if it is possible to stain the wood and have it look nice that is what i am going to do. vacumming the carpet is one of those house chores i detest. Most often the wood underneath is sim...
by rixer
Fri Jun 12, 2015 8:02 am
Forum: Personal Finance (Not Investing)
Topic: What should my wife do if I die early? [was: Vanguard PAS as Plan B]
Replies: 18
Views: 2381

Re: What should my wife do if I die early? [was: Vanguard PAS as Plan B]

Perhaps a lifestrategy or TR fund would work for her. It's simple and kept in balance. All she would have to do is figure out how much she wants to withdraw each year.
by rixer
Tue Jun 02, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Strategies
Replies: 43
Views: 4102

Re: Social Security Strategies

If you can withdraw your application, a good option is to let the wife file early at 62, you're already FRA so you can then draw spousal on your wife until you reach age 70. Then collect your own benefit.
by rixer
Sat May 30, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Carpeting stairs
Replies: 18
Views: 1746

Re: Carpeting stairs

Carpet is sold in 12 foot wide rolls. When measuring for stairs, the proper way is to take the width of the step, divide that into 12 (the width of the carpet roll) and you know how many equal strips of carpet you can get from a 12 ft wide roll of carpet. Now measure the entire length of the stairs ...
by rixer
Thu May 21, 2015 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Medicare supplemental insurance
Replies: 71
Views: 5207

Re: Medicare supplemental insurance

I did a lot of research on this as I was getting ready to go on Medicare. I chose the Plan F Hi-Deductible and it's worked out great.
by rixer
Tue May 19, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 9966

Re: What's so great about simplicity?

For me, the problem is that I will let some things drift, afraid to pull the trigger. I have let too much of my FI portfolio sit in cash because I expected losses with coming rate increases. If I were all in a LS or TR fund, it would be kept in balance automatically. It's not that it's too difficult...
by rixer
Tue May 12, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Retired and putting some Lifestrategy CG fund in Taxable?
Replies: 3
Views: 414

Retired and putting some Lifestrategy CG fund in Taxable?

The wife and I are now retired. She is 63 and drawing early SS and I am close to 67 and drawing spousal for 3 more years until age 70. We have been supplementing our SS income with some savings we have in taxable and don't plan on drawing from IRA's until RMD takes effect. We will be receiving an in...
by rixer
Sat Apr 11, 2015 9:34 am
Forum: Personal Finance (Not Investing)
Topic: It's Official - We're Done
Replies: 38
Views: 8437

Re: It's Official - We're Done

Some say it's better when both don't quit work at the same time. I've heard that. I'd love to hear from the "some" who have actually done it - particularly where the high-income husband retires before the lower-income wife. I was the higher earner and retired 2 years earlier than the wife...
by rixer
Mon Apr 06, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Kotlikoff: When Should you Take Social Security?
Replies: 244
Views: 28374

Re: Kotlikoff: When Should you Take Social Security?

In my case, I am delaying because which ever one of us survives, there will only be one SS benefit from there on forward. Delaying gives us a better chance for the lone survivor.
by rixer
Sat Mar 28, 2015 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Your opinions on my portfolio
Replies: 16
Views: 2222

Re: Your opinions on my portfolio

If I'm not mistaken, the Lifestrategy Fund er is simply what the individuals index funds in it add up to. It's the same expense as if you held each one separately. So you're not really paying extra.
by rixer
Thu Mar 19, 2015 7:59 am
Forum: Personal Consumer Issues
Topic: Please recommend a good travel agent for cruises
Replies: 8
Views: 941

Re: Please recommend a good travel agent for cruises

You might check the 90 day ticker at "Vacations To Go".
by rixer
Fri Mar 06, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 13733

Re: When will / did you claim Social Security benefits?

I'm married and have the larger benefit. The wife claimed early SS at 63 and I filed restricted application at 66 and claimed spousal on hers. I will wait until age 70 to claim unless for any reason it becomes a hardship. I'm not going to sacrifice any living standards or forgo any travel to do this...
by rixer
Wed Mar 04, 2015 11:20 am
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 4083

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by rixer
Fri Feb 27, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: PBS NewsHour segment on Social Security
Replies: 27
Views: 4083

Re: PBS NewsHour segment on Social Security

Both of us having had full working careers, I always figured the best strategy was for both of us to delay until 70. Wife is 2 years younger than me and we both have the roughly same benefit amounts. Then I tried the free Bedrock SS calculator mentioned in a couple other threads. I was surprised by...
by rixer
Wed Feb 25, 2015 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 370

Re: Retiree's withdrawing from a taxable account... question

a better option? Unless you need the $100K mentioned in #2 above to live on, you might consider placing all $175K in the TSM and have the quarterly dividends sent to your checking account. That way you would have a small income increase (~$3500/yr ) but could draw on your TSM account in an emergenc...
by rixer
Wed Feb 25, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Retiree's withdrawing from a taxable account... question.
Replies: 2
Views: 370

Retiree's withdrawing from a taxable account... question.

I've learned so much from just reading these posts here that I have a great respect for Bogelheads. So I wanted to get some of your input on our situation. I retired 2 years ago and the wife just retired at the first of the year. The wife is 63, I'm 66. The wife has filed for early SS and I am drawi...
by rixer
Tue Feb 24, 2015 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 2072

Re: Help with selling and clean out of older relative's home

We moved my f/l in with us when he got to where he needed constant help. Before we sold the house, the family went through and chose items that they wished to keep. After that, we turned it over to an estate sale company that was highly recommended. It worked out very well as it was too emotional fo...
by rixer
Sat Feb 21, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Social Security statements
Replies: 52
Views: 3666

Re: Social Security statements

I am collecting spousal benefits right now. When I log into Social Security website and go to the Retirement Estimator, it displays what I would get if I claimed myself at current age and also at age 70. You can also view all years up to age 70.

Maybe it's different if you're under FRA.
by rixer
Fri Feb 06, 2015 9:48 am
Forum: Investing - Theory, News & General
Topic: Fear and investing
Replies: 12
Views: 839

Re: Fear and investing

How have you used fear to make you a better investor? I'm not sure the fear factor helps. Fear has caused me to be more conservative than I should have when I was still working. Fear has made me keep a big amount in brokered cd's and money markets instead of placing all the FI in a bond fund. That ...
by rixer
Fri Jan 30, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2683

Re: I just filed a Restrictive App at the SS office

Cody, we did the same thing. The wife is 3.5 years younger so when she retired at 63, I was just a few months past 66 so I filed restricted application for spousal on her benefit. I plan to delay till 70 but knowing that I can file for my own benefit any time is comforting. It's nice to get paid whi...
by rixer
Mon Jan 26, 2015 11:42 am
Forum: Personal Consumer Issues
Topic: Hawaii Visit (Maui). Need advice
Replies: 31
Views: 2781

Re: Hawaii Visit (Maui). Need advice

If you do take a trip to Hana you'll enjoy some breath taking views along the way with waterfalls and rainbows through a beautiful rainforest. It's something I'm glad I didn't miss. When you get to Hana, go just a little further to the Seven Sacred Pools and take a dip just to say you did. :beer Fro...
by rixer
Mon Jan 26, 2015 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 41258

Re: Anyone regret paying off mortgage early?

Really confused by people who think having no mortgage means no debt. So you don't have any more house insurance payments or property tax payments? As others have mentioned, property taxes/insurance are carrying or operational costs. Also, there is no interest inherent in those charges although in ...
by rixer
Fri Jan 23, 2015 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 41258

Re: Anyone regret paying off mortgage early?

I paid my house off in 2007 and when the economy turned, work dropped off and we were able to skirt through the mess in good condition. We all need a home to live in and it's comforting knowing that even in a bad turndown, we could survive through it reasonably well. Since then the wife and I have r...
by rixer
Thu Jan 22, 2015 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 11891

Re: Medigap Plan G vs Plan F?

.... After those charges are reduced way down, the 20% left over is usually a very small amount. I had medical issues this past year and with Plan F-HD, my payments didn't even come close to hitting my deductible. Even if it were major, the out of pocket expense for the year would be close to the r...
by rixer
Thu Jan 22, 2015 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 11891

Re: Medigap Plan G vs Plan F?

...... Why shouldn't I choose plan F, HD? Talk me out of it. The problem with taking High-deduct F (or any other Plan lesser than regular F) is that unless you live in NY state, or the handful of other places where everyone pays the same rate, if your health takes a turn for the worse and you want ...
by rixer
Wed Jan 21, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Engineered Hardwood
Replies: 29
Views: 3025

Re: Engineered Hardwood

Bustoff wrote:Anyone know whats cheaper per square foot to have installed, Carpet or Laminate ?


carpet.
by rixer
Wed Jan 21, 2015 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Medigap Plan G vs Plan F?
Replies: 70
Views: 11891

Re: Medigap Plan G vs Plan F?

Stampchick, you're right, everybody's situation is different. I think you would qualify for free Medicaid with such a low income. That's what it's there for. Check into this, it may help. How to apply for Medicare Savings Programs If you answer yes to these 3 questions, call your State Medicaid Prog...
by rixer
Tue Jan 20, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 4013

Re: Let's Celebrate! Which funds are you buying in 2015?

I'm newly retired and though a little nervous, I'm planning on making my last fund purchase ever. Lifestrategy Conservative Fund. I will only be making withdrawals in the future.
by rixer
Sun Jan 18, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 147596

Re: What Movie Have You Recently Watched?

We rented "The Equalizer" from Redbox. It stars Denzel Washington as an ex agent trying to live a normal life in society. He works at a Home Improvement center like Home Depot. A prostitute he speaks with at a diner is beaten and left for dead by a mob boss and there's nobody to help her. ...
by rixer
Sun Jan 18, 2015 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Medigap
Replies: 9
Views: 863

Re: Medigap

I have Anthem BCBS, Hi-Deductible Plan F and it works out very well for us. It's much cheaper to purchase than a regular Plan F and the out of pocket expenses are capped so it's really not much difference in coverage if problems arise. Also if you pay in one annual payment, you get a 10% discount. I...
by rixer
Sat Jan 10, 2015 9:12 am
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 3155

Re: retirement coming, health insurance?

The wife just retired and isn't yet eligible for medicare. She was able to get ins. through the AHA with subsidies. The Silver Plan seems to be best for the money.
by rixer
Sat Jan 10, 2015 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 15
Views: 1762

Re: Medicare & medigap before age 65

Jan, another thing to keep in mind is that if he pays the Anthem in full annually, he can also get a 10% discount.
by rixer
Fri Jan 09, 2015 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Medicare & medigap before age 65
Replies: 15
Views: 1762

Re: Medicare & medigap before age 65

Ultimately what I'd like to do is shop for a better Medigap plan for him. I was able to find him a Rx drug plan that will cut his costs almost in half over the plan he had. That's when I decided a review of his current Plan F might be in order. I'm starting to get the feeling, though, that he actua...
by rixer
Sun Jan 04, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: First Social Security Check After Turning 70
Replies: 9
Views: 2192

Re: First Social Security Check After Turning 70

I will turn 70 on June 21, 2014. Three months prior to that date, I will apply for my maximum Social Security benefit, to begin at 70. My benefit will be based upon my own work record. Will I receive my first check in July? Or in August? (i.e., must I wait one complete calendar month AFTER turning ...
by rixer
Tue Dec 30, 2014 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance - Retiree questions
Replies: 16
Views: 2514

Re: Health Insurance - Retiree questions

Is there anyway you can adjust your income lower to get a subsidy? Maybe not drawing as much from tax sheltered accounts that count as income and taking from taxable savings instead (not income).
by rixer
Tue Dec 30, 2014 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How have elderly parents affected your retirement?
Replies: 13
Views: 1582

Re: How have elderly parents affected your retirement?

My first two years of retirement was spent being a 24/7 caregiver for my f/l. He was unable to care for himself so we took him in with us a year before I retired. I'm glad we were able to help him but it became more than we could do. His failing health along with dementia/alzheimers was difficult. H...
by rixer
Fri Dec 26, 2014 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3460

Re: Christmas day ACA health insurance stress

I also had huge problems signing up my wife for AHA. The online site froze up and wouldn't let me go any further. I made an appointment with an authorized AHA counselor and she couldn't get anywhere. Fortunately, she did have a contact with a free legal aid service in my area that is just for health...
by rixer
Wed Dec 24, 2014 1:25 am
Forum: Personal Finance (Not Investing)
Topic: How much notice to give prior to Retirement ?
Replies: 62
Views: 5041

Re: How much notice to give prior to Retirement ?

The wife is retiring Dec 31. Although she didn't have to, she gave them two months notice so she could get and train her replacement. Her boss has treated her well and she feels good about doing it this way.
by rixer
Tue Dec 23, 2014 9:38 am
Forum: Personal Consumer Issues
Topic: Recommendations for Pellet Stove, 40,000 BTU Output
Replies: 4
Views: 1019

Re: Recommendations for Pellet Stove, 40,000 BTU Output

We've had a Lopi Pioneer Bay insert for about 12 years now. It has an igniter and works well for us. This is the smaller insert from Lopi and it only has about 30,000 btu's but they make a bigger one that will fit your needs. At any rate, I don't have experience with other brands or models but am ha...
by rixer
Sun Dec 21, 2014 10:43 am
Forum: Investing - Theory, News & General
Topic: Using balanced funds to avoid rebalancing
Replies: 30
Views: 2705

Re: Using balanced funds to avoid rebalancing

Schwab is coming out with the "SIP" Schwab Intelligent Portfolio. Apparently it's a robo advisor that uses low cost etf's, keeps in balance, performs tax harvesting and at no extra charge. This might be another good option.
by rixer
Sat Dec 20, 2014 10:15 am
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 4011

Re: We made our own Will

I did a DIY will. I am 75, wife is 70. My wife does not have a will yet. All accounts have beneficiaries assigned. When I die everything including the house will go to my wife, when she dies everything will go to me. After we are both dead, everything goes to our son, otherwise to our grandson. I d...

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