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Re: Where to put RMDs in budget?

I reached the exalted "rmd age" this year. I am a retired teacher in Texas and, though my wife and I can live off my trs pension ,we get no cost of living adjustment as does social security. I, therefore, use my RMD'S to offset any inflation. I would like to move the money into Roth's but ...
by wacobay
Sat Apr 19, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put RMDs in budget?
Replies: 16
Views: 1114

Re: Do you work part time in retirement?

If you are working part time, share what you do, the advantages and disadvantages of working, the tax treatment of your paycheck, and when you started working. I'm a teacher and a few years to retirement and I'd like to substitute teach. I'm hoping to set it up as a small business and looking to ga...
by wacobay
Mon Mar 24, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you work part time in retirement?
Replies: 59
Views: 4453

Re: Retirees: About your retirement

cheese_breath wrote:Some people have a career goal they strive to achieve. My career goal was retirement.

I have a friend and fellow retiree who says" I worked for 40 years and finally found something I'm good at-retirement." :happy
by wacobay
Fri Mar 07, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Retirees: About your retirement
Replies: 55
Views: 6189

Re: What Book Are You Currently Reading? Part V

Lincoln's Boys by Joshua Zeitz. The book is not about Lincoln's three biological sons, but John Nicolay and John Hay who served as Lincoln's private secretaries during his presidency and to whom President Lincoln often referred to as " my boys". The book covers not only the years with Linc...
by wacobay
Thu Mar 06, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234244

Re: PenFed v. Truecar v. BJs v. Costco auto buying

I recently used Truecar service to buy a Honda CR-v. They sent me a list of salesman at differnt dealers who worked with Truecar and I negotiated with them for the best price. As far as I can tell from my research online ,the final deal I got was very good. So I would certainly say Truecar worked fo...
by wacobay
Thu Mar 06, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: PenFed v. Truecar v. BJs v. Costco auto buying
Replies: 24
Views: 5612

Re: What's your usual retirement day like ?

[quote="VictoriaF"][quote="gatorking"]Retirees beware "surveys continue to show the least happy group to be those who quite often have excess time.” The key to happiness: http://www.psmag.com/blogs/news-blog/key-to-happiness-keeping-busy-without-feeling-rushed-51284/[/quote]...
by wacobay
Thu Feb 20, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 36077

Another new car question

My wife and I are in the new car market. We have narrowed our choice to the 2014 Toyota Highlander or the 2014 Hyundai Santa Fe. I know these vehicles have been mentioned in earlier posts but we would be interested in any further insights on those two, such as " does the 4 cylinder version of t...
by wacobay
Wed Jan 08, 2014 3:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another new car question
Replies: 4
Views: 523

Re: Change one thing

unrealistic: Play center field for the New York Yankees. This became unrealistic when I was in high school and realized I could not hit, field run or throw. Realistic: Continue to enjoy my retirement and reading Bogleheas.org forum but not get so frustrated when realizing that all the other Boglehea...
by wacobay
Tue Jan 07, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: Change one thing
Replies: 29
Views: 2195

Re: Non-retirees: Envisioning Retirement

[quote="VictoriaF"][quote="prudent"][quote="EternalOptimist"]Lately I've come across many people who envy me and wish they were retired.[/quote] I don't envy people for anything so for me, anticipating retirement is a completely personal issue.[/quote] I would not read ...
by wacobay
Fri Jan 03, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4929

Re: How much do you spend on books a year?

[quote="Caduceus"]How much do you spend on books a year? Do you tend to buy e-books or physical books? New or used? I ended up spending nearly $500 on books this year and was a little surprised because I had gotten so many of them on sale ...[/quote] I too read only from the library so I o...
by wacobay
Fri Jan 03, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: How much do you spend on books a year?
Replies: 47
Views: 2088

Re: What Was Your Best Portfolio move in 2013

I made no portfolio moves in 2013 ; which in my case is usually the wisest move.
by wacobay
Wed Jan 01, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7818

Re: At what age did your portfolio hit $1M?

Well, let's see. I'm currently 70 and have been retired for eight years and have about twenty per cent of the one million. So I think that maybe around the age of 200 I'll reach the million mark. I suspect that makes me about the poorest Boglehead that visits this site.
by wacobay
Wed Jan 01, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did your portfolio hit $1M?
Replies: 33
Views: 5339

Re: What Book Are You Currently Reading? Part V

Value Thinker

Interesting comments as usual. However I'm wondering who you think is trying to "canonize" Mr. Churchill. Certainly Peter Clarke did not do so in the book I mentioned. Happy reading to all.
by wacobay
Fri Dec 27, 2013 6:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234244

Re: What Book Are You Currently Reading? Part V

Mr. Churchill's profession by Peter Clarke. The author says that Churchill's great success as a statesman have often disguised the fact that his profession was writing. Mr Clarke details that most of the money Churchill made to support himself and his family came from his writing. He particularly co...
by wacobay
Thu Dec 26, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234244

Re: What do early retirees actually do in Florida?

I am a retired college history teacher and I would often begin class the first day by asking students who they believed was the greatest American. Someone would inevitably ask who I thought was the greatest American and I would always mention Walt Disney as one of my choices. The reason: Disney prob...
by wacobay
Wed Dec 11, 2013 9:59 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 15254

Health insurance for child

Greetings to all you Bogeheads and thanks for all the great information through the years. This is my situation. I am a retired Texas teacher and both my wife and I are on the TRS Care health insurance for retired Texas teachers. In 2009 we adopted my wife's nephew in the Philippines and after livin...
by wacobay
Wed Nov 06, 2013 8:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health insurance for child
Replies: 0
Views: 198

Re: Why do stocks go up beyond the rate of inflation?

Interesting question. My answer is also more productivity, brought about by better tools(technology) , better organization, and smarter workers( better educated, better informed) Thanks for reading.
by wacobay
Thu Sep 05, 2013 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why do stocks go up beyond the rate of inflation?
Replies: 75
Views: 6292

Re: How many big moves have you made in your lifetime?

My only move from birth to high school was about 50 miles from Corsicana Texas to Waco Texas. After high school I received a free expense payed trip to Munich Germany: well actually paid for by the US Army. :happy After 3 years with the 24TH Infantry in Germany I returned to Waco Tx. and attended co...
by wacobay
Sun Sep 01, 2013 10:14 pm
 
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 5782

Re: Any aspiring writer sites that are Boglehead like in qua

I like http://www.writersdigest.com/. They will try to sell you books seminars, etc., but they also offer a lot of free ideas on improving writing and have a number of contests in various genres.
by wacobay
Sun Aug 18, 2013 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Any aspiring writer sites that are Boglehead like in quality
Replies: 2
Views: 332

Re: Staying in same company for long - any benefits?

I always found real benefit in staying in one job(school in my case as i was a teacher,guidance counselor). The advantages of staying a long time in one school(job) were I had learned my job well and felt confident I was performing a real service, a good relationship ,confidence and trust had develo...
by wacobay
Sun Jul 28, 2013 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Staying in same company for long - any benefits?
Replies: 27
Views: 3097

Re: 25 years today (how long u been on the job ???)

I was in teaching and guidance counseling for 40 years
Retired now for five years.
Same beautiful wife for 24 years
Same car, but not so beautiful. for 10 years now. :happy
been a Boglehead forum reader for six years now
Thanks for reading
by wacobay
Sun Jun 30, 2013 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5913

Re: roof damage.

Thanks to all of you for your replies so far. I have a $2000 deductible so I wouldn't make a claim on the patio roof.
by wacobay
Mon May 27, 2013 8:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: roof damage.
Replies: 10
Views: 1028

roof damage.

In one of the hail storms here in the Houston area, I noticed some damage to my tin roof on my small patio. This leads me to wonder if there might not have also been damage to my larger roof. IO can't see any but then again I'm not a professional. My question is should I ask my insurance company to ...
by wacobay
Mon May 27, 2013 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: roof damage.
Replies: 10
Views: 1028

Re: Method of Selecting: What Book are you reading now?

I primarily read history and biography, not surprising I guess given that I was a student and teacher of history for forty years. I also like books on psychology, philosophy and science. I get my ideas mainly from book reviews in the magazines and websites I read and from my local library, which has...
by wacobay
Wed May 15, 2013 8:48 pm
 
Forum: Personal Consumer Issues
Topic: Method of Selecting: What Book are you reading now?
Replies: 32
Views: 2868

Re: Valuethinker - thank you for Winston Churchill

I just finished the third volume of [u]The Last Lion[u] . This is the final volume of William Manchester's wonderful life of Winston Churchill. Mr. Manchester died before he had the chance to finish the last book, but before his death, he asked the historian Paul Reid to finish the final volume. Thi...
by wacobay
Fri May 03, 2013 8:49 pm
 
Forum: Personal Consumer Issues
Topic: Valuethinker - thank you for Winston Churchill
Replies: 25
Views: 1765

Re: Houston Chapter

I'm a long time Houstonian and a great admirer of the Bogleheads. I must not get around much though; where exactly is BlackFinn? :happy
by wacobay
Fri Mar 29, 2013 6:57 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Houston Chapter
Replies: 32
Views: 5570

my samsung galaxy tablet won't charge

Two years ago I bought my wife a Samsung Galaxy Tablet. She has thoroughly enjoyed the tablet (o k so have I :happy ) Since two days ago the Galaxy will not charge. I have tried googling the problem without much success. I have found that the the Bogleheads can help with about any question. So has a...
by wacobay
Sun Mar 17, 2013 6:11 am
 
Forum: Personal Consumer Issues
Topic: my samsung galaxy tablet won't charge
Replies: 2
Views: 1481

Re: Part-time jobs

I work two or three days a week as a substitute teacher .I, myself, was a career teacher, but many of the substitutes are retirees who worked in other fields and now sub part time. Most seem to enjoy the work as they have an opportunity to help out the schools, get out of the house and socialize, an...
by wacobay
Sat Feb 23, 2013 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part-time jobs
Replies: 26
Views: 3113

Re: Free TaxACT, what's the catch ? Have anyone used it?

I have used the free version of Tax Act for the past seven or eight years and have found it very satisfactory. Admittedly my taxes are fairly simple since I am a retired teacher and my wife and I use the standard deduction. Thanks for reading.
by wacobay
Sat Feb 23, 2013 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Free TaxACT, what's the catch ? Have anyone used it?
Replies: 18
Views: 1551

Re: Your Favorite [Travel Destination] on Earth: Where and

Another interesting ferry ride is across Manila Bay from Manila to Corregidor. The ride itself is refreshing and for those who love history there are great photo opportunities and a tour of Douglas MacArthur's headquarters during the doomed defense and of the liberation in 1945. Thanks for reading.
by wacobay
Sat Sep 01, 2012 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 94
Views: 8399

Re: Experiences Moving From High to Low Cost State?

Hey, wait a minute, I'm a Houstonian who is nice even [u]after[/u] I get into my car :D On the topic I think moving to a low cost state has obvious advantages ,but if it means giving up a support system of friends and family built up over a lifetime, then I would say proceed with caution. Thanks for...
by wacobay
Sun Aug 19, 2012 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experiences Moving From High to Low Cost State?
Replies: 72
Views: 16874

Re: where do we find income

Safemoney,

I too am a 69 year old retired teacher. I have started substitute teaching 2 or 3 days a week. This brings in a little extra income without near the stress of the full time teaching position. Just a thought.
by wacobay
Wed Aug 08, 2012 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: where do we find income
Replies: 60
Views: 6347

Re: 8% Interest Rate on Roth IRA?

I made a salary of $3,800 a year as a beginning high school teacher in Texas in 1968. When I retired 38 years later from the teaching profession I was making $68,000. At least I think I proggressed slightly in inflation adjusted salary. :happy . Thanks for reading.
by wacobay
Wed Aug 08, 2012 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rate of Return on Roth IRA's
Replies: 124
Views: 17308

Re: TV music theme recommendations?

I can't argue with any of those choices as they all bring back pleasant memories. I especially liked Peter Gunn Victory at Sea and Hawaii five o. Among the shows now I actually like the theme from Law And Order.
by wacobay
Mon Jul 16, 2012 8:25 pm
 
Forum: Personal Consumer Issues
Topic: TV music theme recommendations?
Replies: 59
Views: 2672

Re: Trying to say goodbye to Comcast. Wireless internet advi

sscritic,

oops. I meant I pay $32 a month for Comcast internet and an additional $7 a month for renting their modem. I have to learn to preview
by wacobay
Thu Jun 28, 2012 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Trying to say goodbye to Comcast. Wireless internet advice.
Replies: 48
Views: 3895

Re: Trying to say goodbye to Comcast. Wireless internet advi

I pay $39 per month for Comcast internet here in Houston. That includes $47 for renting a modem.
by wacobay
Thu Jun 28, 2012 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Trying to say goodbye to Comcast. Wireless internet advice.
Replies: 48
Views: 3895

Re: Employment woes and midlife crisis

Snyder66 If you like to read ,or can find the time to read, [color=#0000BF]What Color Is You Parachute[color=#000000] by Richard Boiles is very helpful not only in finding a suitable career for your interests and aptitudes but also ideas to keep up your morale during the search. good luck.[/color][/...
by wacobay
Mon Jun 18, 2012 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Employment woes and midlife crisis
Replies: 39
Views: 4504

Re: Movie night in recommendations

To borrow from a previous thread, the movies have been one of those "experiences" in life that have increased my happiness. I have seen many wonderful movies in my 68 years ( and some not so wonderful :happy ) but here are a few of the wonderful ones: The Searchers: John Wayne's greatest i...
by wacobay
Sun Jun 17, 2012 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20176

Re: POLL: Has your investment course changed in 15 years?

I was invested in U.S. Growth in 2000 and when it began to self destruct around 2000 I switched to Total Stock and I haven't regretted that decision at all. I haven't really checked on the vanguard Growth Fund in a long time though, or even know if it's still alive and kicking.
by wacobay
Thu Jun 14, 2012 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Has your investment course changed in 15 years?
Replies: 52
Views: 2842

Re: Help with wife's Health Insurance plan

Donall, I am a retired teacher from Texas and I wish my district's could have found a way to get on your wife's district health plan. :happy More seriously I think $85 is excellent and it would be a wise step to move from your current plan to her family plan. Even though her plan might be less advan...
by wacobay
Mon Jun 11, 2012 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Help with wife's Health Insurance plan
Replies: 19
Views: 1200

Re: anyone here retired on a nice beach in Thailand?

xxsocraticxx, No ,I'm not near a beach in Thailand ,but i am retired near a beach in the Philippines. One big advantage here is the cost of living. I know several retirees here from the U.S. who are living quite comfortably with their social security or military pensions. If you like water sports or...
by wacobay
Sun Jun 10, 2012 8:52 pm
 
Forum: Personal Consumer Issues
Topic: anyone here retired on a nice beach in Thailand?
Replies: 42
Views: 5379

Re: D Day words

Sixty eight years ago my dad was part of the 90th infantry division which landed on Omaha Beach. He later lost part of his hand but, fortunately ,survived . I remember once he was asked about his disability pension and when he gave the amount , the person he was talking to expressed surprise the pen...
by wacobay
Wed Jun 06, 2012 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: D Day words
Replies: 13
Views: 826

Re: cut the land line with magicjack plus

my wife and i shave been splitting our time between the U.S. and the Philippines . We bought the original magicjack because of the great price and have been using it the last year to call relatives in the Philippines when we are in the U.S. and to call friends in the U.S. when we are in the Philippi...
by wacobay
Tue May 29, 2012 9:06 pm
 
Forum: Personal Consumer Issues
Topic: cut the land line with magicjack plus
Replies: 42
Views: 4458

Re: What Book Are You Currently Reading? Part V

I also read [u]Morning On Horseback[u] and thought it superb. Then again I think all of his books are excellent. I especially enjoyed his [u]Truman.

Richard
by wacobay
Tue May 22, 2012 8:33 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234244

Re: Should I Run my car to its grave?

ebeard,

That's maybe not a pleasant thought, but I think you are exactly right that our bodies can be compared to a car. My body is now 69 years old but I'm hoping that like the op's 2004 Honda, I have many miles to go. :happy
by wacobay
Tue May 22, 2012 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Should I Run my car to its grave?
Replies: 48
Views: 3929

Re: Who relies on Social Security?

I have been living in the Philippines for the past couple of years and I know several Americans who are living here, with their wives and sometimes a child, and are living comfortably on their social security alone and, they say they could not do so in the U.S. I and my wife don't have social securi...
by wacobay
Thu May 17, 2012 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who relies on Social Security?
Replies: 45
Views: 3228

Re: Who Do You Use for Home/Auto Insurance?

My wife and I switched to AAA for both car insurance and home insurance and cut our costs in half. We were with Farmers.
by wacobay
Wed May 16, 2012 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who Do You Use for Home/Auto Insurance?
Replies: 45
Views: 4018

Re: What Book Are You Currently Reading? Part V

Thanks for the excellent suggestions on this thread. I'm currently rereading the second volumn of William Manchester's biography of Winston Churchill:[u]Alone.[/u] I have been reading ,teaching and thinking about history for about 40 years now and I still think the introduction to this book where Ma...
by wacobay
Wed May 02, 2012 9:04 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1234244

Re: Most efficient way to read the forum

Lone Prarie,

I like your idea of clicking for e-mail notification. I'll have to give that a try. Thanks. :happy
by wacobay
Tue May 01, 2012 9:17 pm
 
Forum: Forum Issues and Administration
Topic: Most efficient way to read the forum
Replies: 30
Views: 2784

happili virus

Help I'm being kidnapped. :happy Actually my Google and Yahoo search are being kidnapped. Whenever I try to search from Yahoo or Google my search is kidnapped and taken to a site called happili. I know this is not an investment question but I visit this site enough to know many of you are immensely ...
by wacobay
Sun Apr 22, 2012 8:27 pm
 
Forum: Personal Consumer Issues
Topic: happili virus
Replies: 3
Views: 863
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