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Re: wife's purse

I bought my wife a coach purse many years ago. It took her about 2 minutes to decide to return it! Her comment was "You should never waste money like that!"
by wilpat
Mon Jan 26, 2015 10:38 am
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 35
Views: 3020

Re: Recommend a clickless mouse

I use this mouse and it is noiseless.

Explorer Touch Mouse Model 1090
by wilpat
Sun Jan 25, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2340

Re: Time to stop driving for 85 yo MIL

It is my opinion that each person's (regardless of gender or age) driving ability should be verified periodically. Many states require renewal of your license at different intervals depending on age. The older you are the shorter the interval. I also think that interval is too long in some states. S...
by wilpat
Sun Jan 25, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Time to stop driving for 85 yo MIL
Replies: 69
Views: 3664

Re: IRA Conversion RMD Question

Let me explain it a little more clearly (hopefully). My RMD for 2015 is about $1,000.00. (Based on the December 31st 2014 amount in the IRA). I converted $5,000.00 to a Roth last week. I had intended to do the RMD late in the year for the whole $1,000.00. It seems that I must now recharacterize the ...
by wilpat
Sun Jan 18, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Conversion RMD Question
Replies: 9
Views: 557

IRA Conversion RMD Question

If I convert some amount from an IRA to a Roth does that amount count as part of my RMD requirement?
by wilpat
Sun Jan 18, 2015 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRA Conversion RMD Question
Replies: 9
Views: 557

Re: What was your costliest investment mistake?

In the .com crash in the early 60's I lost a little over $800,000. I owned a company that manufactured equipment for them and I paid all my bills on time, but toward the end they did not pay me for what I had shipped to them. I could cry and whine over it, but life is more important than that . Ear...
by wilpat
Tue Jan 13, 2015 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9600

Re: What was your costliest investment mistake?

In the .com crash in the early 60's I lost a little over $800,000. I owned a company that manufactured equipment for them and I paid all my bills on time, but toward the end they did not pay me for what I had shipped to them. I could cry and whine over it, but life is more important than that . Ear...
by wilpat
Tue Jan 13, 2015 9:38 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9600

Re: What was your costliest investment mistake?

In the .com crash in the early 60's I lost a little over $800,000. I owned a company that manufactured equipment for them and I paid all my bills on time, but toward the end they did not pay me for what I had shipped to them. I could cry and whine over it, but life is more important than that .
by wilpat
Tue Jan 13, 2015 7:01 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9600

Re: Recommendations for Family Trip to San Diego

The only time I was in San Diego for any length of time was at a place called MCRD in 1957. Can't recommend it as a place to visit!
by wilpat
Mon Jan 12, 2015 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Family Trip to San Diego
Replies: 16
Views: 1402

Re: Facebook is Outrageous

When I was a youngster what we used, for the same purpose as Google Search is used today, was called "Encyclopedia Americana" (or Britannica or whatever! I know, without a doubt, that Google has at least a million times as much info as the encyclopedias did in their day and you can access ...
by wilpat
Sun Dec 28, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 9841

Re: Appalachian Trail thru-hike in retirement?

Look here. It shows some forums about the Appalachian Trail.
https://www.google.com/?gws_rd=ssl#q=ap ... kers+forum
by wilpat
Sun Dec 28, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Appalachian Trail thru-hike in retirement?
Replies: 49
Views: 4333

Re: How do you determine your withdrawal rate?

I retired a few years ago and my method was to make a budget and follow it as best as I can. I budgeted my retirement income (SS and Retirement income) on an annual basis. I use 1.5% COL for SS and my retirement is income fixed. I then budgeted my expenses with inflation of 3.1%. I then sum the expe...
by wilpat
Fri Dec 19, 2014 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you determine your withdrawal rate?
Replies: 13
Views: 1299

Re: Relocating to Florida - Need some advice

I strongly recommend the West Coast! The East Coast, in my opinion, is just displaced Northeast.
by wilpat
Fri Dec 19, 2014 11:05 am
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2854

Re: Your Favorite Cookbook?

Google is my favorite cookbook!
by wilpat
Sun Dec 14, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5671

Re: Florescent lights

It takes about 500 CFL's to contain the same amount of mercury as a thermometer.
by wilpat
Sat Nov 29, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Florescent lights
Replies: 20
Views: 1584

Re: Favorite nonfiction books

On Wings of Eagles
Ken Follett
by wilpat
Wed Nov 26, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10350

Re: Shower silicone replacement - Price? DIY?

Reminds me of the story about a Doctor who had a plumber come fix something. The plumber finished in 1/2 hour and gave the Doctor a bill for $100.00. The Doctor said "$100.00 for a 1/2 hours of work, that's $200.00 an hour -- I'm a doctor and I don't make $200.00 an hour!". The plumber sai...
by wilpat
Sun Nov 16, 2014 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Shower silicone replacement - Price? DIY?
Replies: 27
Views: 1798

Re: Trouble downloading H&R Block Deluxe 2014

In all of the years I have been using H&R Block this is the first time I can remember something like this happening. I use them exclusively because I am very familiar with their software after using it for about 20 years!
by wilpat
Sun Nov 16, 2014 1:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trouble downloading H&R Block Deluxe 2014
Replies: 3
Views: 318

Re: Trouble downloading H&R Block Deluxe 2014

See this:

http://community.hrblock.com/t5/Your-Ta ... and-filing

There are several of us in the same boat. I doubt that anything will happen to fix it today.
by wilpat
Sun Nov 16, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trouble downloading H&R Block Deluxe 2014
Replies: 3
Views: 318

Re: Your favorite classic toys for kids

Radio Flyer wagon!
by wilpat
Wed Nov 12, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5505

Re: Happy Birthday, Marines!

Semper Fi 1957 to 1961
by wilpat
Mon Nov 10, 2014 1:29 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 239th Birthday, U.S. Marine Corps
Replies: 20
Views: 1486

Re: When do you buy a new home computer?

I replace my home computer “at intervals”, “ at times”, “ every now and then”, “ every once in a while”, “ every so often”, “ from time to time”, “ infrequently”, “ intermittently”, “ irregularly”, “ not often”, “ now and again”, “ occasionally”, “ on occasion”, “once in a blue moon”, “ once in a wh...
by wilpat
Fri Nov 07, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4771

Re: Adoption [Experience from those who have adopted]

My (Natural) Sister and I were adopted when I was 5 and she was 6 years old. My birth Father disappeared and my birth Mother could not afford to raise us. The adoption occurred in 1945 and there was no welfare or anything else available. She had no relatives close enough to help her. She had a first...
by wilpat
Fri Oct 31, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Adoption [Experience from those who have adopted]
Replies: 39
Views: 5215

Re: Anyone consider retiring to Vancouver, Washington?

The summer of 1965 in Seattle was particularly nice -- it came on a weekend! :wink: :wink:
by wilpat
Thu Oct 30, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: Anyone consider retiring to Vancouver, Washington?
Replies: 45
Views: 4679

Re: [Purchasing a] hearing aid

Try these people:

https://www.hihealthinnovations.com/

If you are on Medicare and use United Healthcare you get them for about 1/2 price. I use them and they work ok for me. The expensive ones are probably better, but --- that much better?????
by wilpat
Wed Oct 22, 2014 5:23 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] hearing aid
Replies: 22
Views: 1682

Re: Balance Transfer Credit Card 1% fee, no APR for 1 year

Remember that you must pay the minimum monthly payments.
by wilpat
Thu Oct 16, 2014 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Balance Transfer Credit Card 1% fee, no APR for 1 year
Replies: 9
Views: 382

Re: Home Depot Warranty not honored

Go to the store where you bought it and talk to the store manager. Do not let him/her just tell you to talk to the warranty company. Insist that they follow up on it for you -- in the Home Depot where I worked, in a part time retirement job, the manager would carry this to the highest level possible...
by wilpat
Thu Oct 16, 2014 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Warranty not honored
Replies: 27
Views: 3459

Re: Do you deviate from the BH philosophy?

I have some money in what I call my "Las Vegas" account. I do NOT count that money as part of my retirement assets.
by wilpat
Thu Oct 02, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 4392

Re: Meetings over the lunch hour, taboo?

The customer may not "always be right", but the customer is "always the customer"!
by wilpat
Thu Sep 18, 2014 2:43 am
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 4096

Re: Could you sleep with all your money in Berkshire Hathawa

I would sleep like a baby! --- Sleep for an hour and then wake up and cry for 2 hours! Sleep for 2 hours and then wake up and cry for an hour! Repeat that all night!
by wilpat
Sun Sep 14, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 4057

Re: Kindle

Try these:

Bargain Booksy -- BookBub -- Riffle Select Ebooks - eBookDaily Kindle Freebies
by wilpat
Thu Sep 11, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1410

Re: New Roof Needed Soon... Advice?

I needed a new roof about 20 years ago. I asked a friend who had worked on roofs in the past how to go about it. He said go down to the local roofing supply house and just "hang around" early in the morning. One of the contractors' employees will/should approach you and ask if you need hel...
by wilpat
Thu Sep 11, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 3100

Re: Vanguard Lost $50k

I have a similar circumstance with BOA. They have lost some of my money and they are slow about chasing it. The total amount lost is $1.06! :D :D
by wilpat
Sat Sep 06, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10971

Re: What Movie Have You [Recently] Watched?

The most recent movie I saw (in a theater) was Blazing Saddles in 1977.
by wilpat
Tue Sep 02, 2014 3:32 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56051

Re: High School Reunions--Have you attended?

First one I went to was the 25th and I have been back every 5 years through 55th (last year). I went to school in Washington State and the closest I lived to there, while attending, was near Chicago. I am now in NC and enjoy the trips back to see "God's" country! :happy
by wilpat
Mon Aug 04, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5749

Re: Is this a good rate ?

Always look at Penfed!
by wilpat
Wed Jul 23, 2014 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate ?
Replies: 5
Views: 630

Re: Anyone been to Charleston, SC?

Great town! I usually take a tourist tour (they take you around on a bus or horse & carriage or etc.) and then go back to the places that looked interesting on the tour. I can then take as much time as I want to look the specific place over. When I go to a town where I have not been before I usu...
by wilpat
Wed Jul 23, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Anyone been to Charleston, SC?
Replies: 27
Views: 1562

Re: Being Polite.

Travelforfun: Perhaps the greatest benefit of being polite is that it makes you feel better knowing you are a good human being. Best wishes Taylor I concur! I do feel better when I am being polite and I try very hard to always be polite. I learned that from my Mother -- It makes the receiver of the...
by wilpat
Sun Jun 29, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Want to Save Money? Be Polite!
Replies: 41
Views: 6922

Re: Mortgage: Variable 7 vs Fixed 30.

Interesting post. I wonder how many folks would buckle under with the verbal pressure not to pre-pay their loan! :wink:
by wilpat
Sat Jun 28, 2014 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3744

Re: Suggestions for 1-2 Days in NYC?

I've been to NYC about 100 times and my opinion is that if they ever give the world an enema they will do it in NYC!
by wilpat
Tue Jun 24, 2014 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Suggestions for 1-2 Days in NYC?
Replies: 51
Views: 3887

Re: It is time to retire when you .......

I retired (at 72) when my health dictated that it was time. If it were my choice I would still be working (at 74). I was one of the lucky people that enjoyed work immensely. In my 58 years of working I cannot think of a dozen days that I didn't wake up looking forward to going to work.
by wilpat
Fri Jun 20, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 10371

Re: Experience with PenFed refinance

I did a first mortgage with them a few years ago and a refi about 18 months ago. I had ZERO problems. I may have been just lucky, but they will always be my first choice.
by wilpat
Wed Jun 18, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience with PenFed refinance
Replies: 72
Views: 4742

Re: Seattle Restaurants

Ivar's Salmon House. We liked it so much, we went back TWICE--and we were only in Seattle for four days! The Space Needle is worth going for the view--just be sure it's not on a day when it rains. We got lucky. We went there the first night, and it was crystal clear. It started pouring the next day...
by wilpat
Wed Jun 18, 2014 3:58 am
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1094

Re: How can I get the best mortgage rate?

My suggestion would be to check out Pentagon Federal Credit Union. <penfed.org>
by wilpat
Thu Jun 12, 2014 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can I get the best mortgage rate?
Replies: 13
Views: 1652

Re: New homeowner: lawn care advice

A different comment on lawn care. Aerate in the fall, spring and summer. It is the best thing you can to do grow a good lawn. Rent one from Home Depot or somebody.

It allows the water to get down to the grass roots and forces the grass roots to go further into the ground -- good good good!!
by wilpat
Wed Jun 11, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 27351

Re: 2014 Income tax changes in North Carolina

Thanks for the answers. A little more info -- I am retired and have Social Security and retirement income only. If I need more I get it from investments. My taxable is a TIRA. I will Transfer some to a Roth in December and, if necessary I will reverse the transfer in January. The proper term is &qu...
by wilpat
Tue Jun 10, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 962

Re: 2014 Income tax changes in North Carolina

Thanks for the answers.

A little more info -- I am retired and have Social Security and retirement income only. If I need more I get it from investments.
My taxable is a TIRA. I will Transfer some to a Roth in December and, if necessary I will reverse the transfer in January.
by wilpat
Mon Jun 09, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 962

2014 Income tax changes in North Carolina

The NC income tax rates and deductions are changing for 2014, but there seems to be no easy way to calculate 2014 taxes yet. It appears to me that I will be able to transfer some money from non-taxable to taxable without additional taxes for 2014. The primary reason I think I may be able to do that ...
by wilpat
Sun Jun 08, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2014 Income tax changes in North Carolina
Replies: 5
Views: 962
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