Search found 1337 matches

by Lynette
Tue Oct 17, 2017 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 77
Views: 4887

Re: how long did it take to get used to retirement

It took me about six to nine months to adjust. The biggest adjustment to me was facing up to the difference between those things I wanted to do and those things I just "wanted to want to do". After finding that I had time to make some stained glass, I really didn't want to, I had only wanted to wan...
by Lynette
Tue Oct 17, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare change upcoming - preauthorization for imaging tests
Replies: 13
Views: 1218

Re: Medicare change upcoming - preauthorization for imaging tests

Would the pre-authorization come from Medicare? I'm new to Medicare and only once needed Pre-authorization for a procedure (not imaging) from my Employer HMO.
by Lynette
Mon Oct 16, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket in Retirement
Replies: 46
Views: 5053

Re: Tax Bracket in Retirement

Don't forget IRMAA Medicare B and D premiums. I don't know the brackets for Medicare B, but I got a notice that another bracket has been added for D. My retirement planning was based on working longer and getting larger pensions. I did not know about Medicare B and D IRMAA premiums.
by Lynette
Mon Oct 16, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5509

Re: Help me understand what happens with the new law and ACA subsidies

Thanks - that makes sense. My HMO did not pay for eyeglasses but they paid for the refraction test for years. I was referred to the ophthalomologist by my primary care physician as I had some other problem with an eye. The HMO never questioned the test for refraction - likely not worth their time. I...
by Lynette
Mon Oct 16, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5509

Re: Help me understand what happens with the new law and ACA subsidies

Thanks Nisiprius. I guess I'll simply have to get used to Medicare. I'll see what happens with the appointment at the ophthalomologist for a regular examinations. My Megacorp HMO paid for this for several years. Now I'm on Medicare, the ophthalomologist's office told me that Medicare would pay for e...
by Lynette
Mon Oct 16, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5509

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items: Get a job with group insurance Marry someone with group insurance Houston, we may have a problem. (1) I may be too old to get a job, but too young to be on Medicare. (2) I can't find someone with group insurance to marry. Unless one is ill, I think many under 65 will be able to fi...
by Lynette
Fri Oct 13, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5509

Re: Help me understand what happen with the new law and ACA subsidies

Actionable items: Get a job with group insurance Marry someone with group insurance Houston, we may have a problem. (1) I may be too old to get a job, but too young to be on Medicare. (2) I can't find someone with group insurance to marry. Unless one is ill, I think many under 65 will be able to fi...
by Lynette
Fri Oct 06, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Circumstances in which a freeze needs to be lifted
Replies: 34
Views: 2402

Re: Circumstances in which a freeze needs to be lifted

I plan on placing freezes soon, and I'd like a better idea of the type of circumstances when they need to be lifted. I've seen some people on here who've had them for years say they haven't had to lift them often. I have had my credit frozen for a long time. As far as I recall this is the time I ha...
by Lynette
Fri Oct 06, 2017 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 190
Views: 21545

Re: Retirement Account Stolen by Identity theft

deleted - fraud from overseas - not relevant for this thread.
by Lynette
Fri Oct 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Simple Notebook/laptop
Replies: 58
Views: 3025

Re: Simple Notebook/laptop

Chromebook. I have several Windows Machines including a Surface Pro 3. I use the Chromebook 95% of the time. Printing is the only thing you will have to take figure out. No virus protection required, simple to use. If you want to make it more sophisticated, there are ways to do more advanced stuff. ...
by Lynette
Tue Oct 03, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 5991

Re: Is it a waste of money having your furnace checked every year?

Thanks for the question. I retired recently and have started to notice things that went wrong around my house. The floor where the gas furnace is located in my basement had a lot of brown residue on it. I cleaned it. A few months later - same problem. I called to have the furnace and air-conditioner...
by Lynette
Sun Oct 01, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Cost Estimate
Replies: 33
Views: 1414

Re: Medicare Cost Estimate

I'll have a $64K annual pension when I retire Besides other costs, having a pension will likely put you into the bracket where you have to pay IRMAA Medicare surcharge. Who knows what this will be by the time you retire. But when you start drawing SS and RMDs, this will likely increase your payment...
by Lynette
Fri Sep 29, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 192
Views: 12813

Re: Why do you LBYM? Why do you save and invest?

Interesting thread. My parents were very frugal as they grew up during the Depression. I saved, worked long but had pensions and SS that cover my expenses. I'm retired now and still figuring out what to spend. As I worked long, I spent a small fortune on my hobby of travel but I still saved even tho...
by Lynette
Thu Sep 28, 2017 7:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8927

Re: Bogleheads you would most like to meet and why?

It was nice to see that I was listed twice. So perhaps I should make it a goal to attend 2018 Bogleheads in Philadelphia. The trip itself won't be too expensive. It is all those other costs that are just killers. Getting a hairpiece, getting it all tuned up and styled, botox, losing 15-20 pounds, a...
by Lynette
Thu Sep 28, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5411

Re: Innovis and ChexSystems freeze confirmation letters

foamypirate wrote:
Wed Sep 27, 2017 5:28 pm
Well, this is interesting. Submitted for an Innovis credit freeze for both my wife and myself, within minutes of each other. She got her letter last week, and I have yet to receive one... :?
:mrgreen: :mrgreen:
by Lynette
Tue Sep 26, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3857

Re: How safe is cash in today's economy?

Yes indeed, I am aware of the problem with deer invading urban areas. Because of my background, I did not think of this as a survival strategy. I did not intend to get into a discussion of the 2nd Amendment. This thread is about survival. So I've learnt (acceptable past participle where I learned En...
by Lynette
Tue Sep 26, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3857

Re: How safe is cash in today's economy?

I mentioned above that I was conditioned by my life in South Africa. I did not know a single person who owned a gun. I did not think that one could shoot deer to survive. Totally different cultures and ironic that I grew up in "Africa".
by Lynette
Tue Sep 26, 2017 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3857

Re: How safe is cash in today's economy?

What are you going to eat ... use the guns to acquire food from those who have it .... blows my mind .. literally! Around here -- venison, goose, ducks -- although the goose I could get with a golf club in a pinch. I don't hunt but a lot of people in my area lay in a supply of venison and game bird...
by Lynette
Tue Sep 26, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: How safe is cash in today's economy?
Replies: 37
Views: 3857

Re: How safe is cash in today's economy?

In absolute terms, if the unpredictable/unthinkable were to happen it's impossible to predict what sort of prior preparation could save you. Far from it. For example, I'm absolutely certain that my large stockpile of guns and ammunition will go far in saving me and mine. What are you going to eat ....
by Lynette
Mon Sep 25, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4104

Re: Do you avoid risky adventures once you have the money?

No, I don't think money has anything to do with my decisions. I remember about 20 years ago, I was in a castle in Wales and we had the chance to climb a tower. It had winding, narrow, slippery stone steps that sloped inward. I decided that I did not have to climb them! About ten years ago I went on ...
by Lynette
Sun Sep 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5088

Re: Bogleheads monthly costs of dog ownership?

I've retired recently and have a large window overlooking a tree-lined street. My house is close to an elementary school. In the morning I see a parent walking child(ren) to school. Later the dog is taken for a walk. Later the parent fetches the child from school. Then the parent (sometimes with chi...
by Lynette
Sun Sep 24, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 119
Views: 21761

Re: The cost of walking el Camino de Santiago

My spouse said she spent about 200 euros a day in May 2016 and stayed in the some very fine hotels which were reached by being picked up from the Camino by her guide in a van. The next morning she was deposited by the van to about the same place. She only needed a fanny pack and a water bottle whil...
by Lynette
Fri Sep 22, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

I love trees but not too close to my driveway or house. I'm having my driveway replaced because of a large tree - granted it was closer to the driveway than yours. I replaced the driveway about 25 years ago. The new driveway is costing me $11,000. It also cost $3,000 to have the tree removed. So the...
by Lynette
Fri Sep 22, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

I am not on expert on tree removal but I think that one of the issues could be whether the the roots should be removed or not. So if you remove the tree and replace the concrete, there could be further movement of the ground causing cracks to appear again. There is a house close to mine that had an ...
by Lynette
Thu Sep 21, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

Uplifted driveways are often indicators of other issues such as tree roots in sewer lines, or potential water line breaks, or shoddy construction. It could be a an indicator that a slab would fail but the voids are covered up with carpets. It’s not just about the potential for falls. With cracks on...
by Lynette
Thu Sep 21, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

Initially I tried to patch my driveway with stuff from Home Depot. It did not last as the cracks were simply larger in the spring. I live in the Mid West so sometimes we get a lot of snow and the ground freezes. I was thinking of selling my house so I had a handyman fill in the cracks with concrete....
by Lynette
Thu Sep 21, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

I think my City owns the sidewalks. Fortunately the blocks outside my house are in really good condition. My house is close to an elementary school and this is why many small houses like mine are being torn down and replace my $1 million + houses. Unfortunately the lots are really small and there is...
by Lynette
Thu Sep 21, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 79
Views: 4422

Re: Uplifted Driveway = No Home Owners Policy ?!

Evelyn, sorry for your injury. I wish you a speed recovery. My question is uplifted sidewalks are the homeowners responsibility? I thought that in my area it was the responsibility of the City. I can understand that walkway from the sidewalk to my house (on my property) is my responsibility. Recentl...
by Lynette
Mon Sep 18, 2017 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Getting over emotional attachment to house
Replies: 70
Views: 5933

Re: Getting over emotional attachment to house

Since you have 10 years till retirement, you have lots of time for an answer to present itself....as they often do. So while considering this move is fine, I certainly would not worry about it. The decision may be much easier in 10 years than you think. I also think most people should do nothing th...
by Lynette
Fri Sep 15, 2017 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25272

Re: Is a security freeze at Innovis really needed?

Thanks to all for the information. I've had a freeze with the three main bureaus for years. I had to lift it on a few occasions when opening a new bank account or getting a new credit card. It was really easy. I've also requested a freeze at Innovis and ChexSystems. I don't churn credit cards and do...
by Lynette
Fri Sep 15, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 8987

Re: Retirees-anyone miscalculate how much was needed?

I miscalculated how much it would take me to fix up my 1950 house. It is in an area where amazingly they are tearing down little house like mine and building mansions. There are two being demolished in my short block. But the location is ideal for me so I decided to fix up the house and garden. The ...
by Lynette
Fri Sep 15, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Should I upgrade an old but functional vanity?
Replies: 23
Views: 1392

Re: Should I upgrade an old but functional vanity?

I've replaced two vanities recently. In one case, I had the floor replaced. I cannot tell from the wall receptacle but is it GFCI compliant? I think that the faucet will have to be replaced. In one instance, the guy who was replacing the vanity had a problem with the hot water and I had to call in a...
by Lynette
Thu Sep 14, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8036

Re: Do you pay for yardwork?

I often travel and the City does not like it if one's lawn isn't cut - they will have it done and charge you a large fine so I outsource the cutting and treatments - think I pay about $30 per cutting on a small lot. In recent retirement, I've designed my lot for the lawn cutters! I had small space b...
by Lynette
Wed Sep 13, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Relocate for Early Retirement?
Replies: 41
Views: 3693

Re: Relocate for Early Retirement?

I decided that I was probably going to relocate when I retired. Then I retired and I found out how differently I felt about life. While working, I was totally wrapped up in my job, commute and had minimal time for really thinking. I realized that the friends I had made were really important to me. I...
by Lynette
Mon Sep 11, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: For those planning early retirement....
Replies: 67
Views: 8594

Re: For those planning early retirement....

If you finally retire and decide that you are not going back to work, I think your whole mindset changes. If you take off time in your thirties or forties and plan to go back to work, there is not the same finality about it as when you finally retire. If one finds the effort to find it, there are cu...
by Lynette
Mon Sep 11, 2017 11:25 am
Forum: Personal Consumer Issues
Topic: What do you do in slow travels?
Replies: 55
Views: 4286

Re: What do you do in slow travels?

I took a course in Italian at my community college and then spent a wonderful 10 days in Rome. I'm not Catholic but in Rome .. so I went to St. John's Lateran for mass on Christmas even. The padre asked people to turn around and greet one another. What fun - no one knew I was a foreigner. Once on my...
by Lynette
Mon Sep 11, 2017 6:06 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use Financial Engines?
Replies: 50
Views: 45063

Re: Anyone use Financial Engines?

One other thing to remember; F.E. expects you to convert your investments into a guaranteed income source - a life annuity, at retirement. - Ron Correct. I still have my 401K at my former employer and I am retired. It asks me how many years I have till retirement. But it does allow me to research t...
by Lynette
Sun Sep 10, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: moving money out of 401K to vanguard IRA
Replies: 5
Views: 403

Re: moving money out of 401K to vanguard IRA

I retired at the end of 2016 and I still have my 401K with my former employer. I am happy with their management, fund prices and expense ratios. They also have a stable value fund so I have no intention of moving my 401K to an IRA. I found that when I retired there was an enormous amount of paperwor...
by Lynette
Sun Sep 10, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about accepting new job that pays a bit less
Replies: 27
Views: 2204

Re: Thinking about accepting new job that pays a bit less

I'd suggest that you go and re-look some some of the assumptions behind financial engines. We could use it at work but the it included pensions, pay increases and social security. I think the assumption was that you annuityized your portfolio at retirement.
by Lynette
Sat Sep 09, 2017 4:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Area Bogleheads - Master Thread
Replies: 37
Views: 10212

Re: Detroit Area Bogleheads - Master Thread

I left home at 9:30 for the 10:30 meeting. I gave up at about 10:25 - traffic, construction, roads closed, detours! Thanks for organizing. See you next time.
by Lynette
Sat Sep 09, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1540

Re: Anyone use Nextdoor.com for referrals?

... We have a serious problem with drainage and the city does not want more concrete from driveways. My neighbor's basement is just below my driveway. I ran a hose down it and saw the water ran onto his lot. He told me he liked me but he would sue me if the water ran into his basement! ... Possible...
by Lynette
Sat Sep 09, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1540

Re: Anyone use Nextdoor.com for referrals?

I just signed up and found it to be very invasive. They wanted me to "mail" over 60 "postcards" to my neighbors. I deleted my account. Maybe they want you to be the person to start the nextdoor.com group. Earlier I got a code to join and I ignored it. I joined recently and could get a code via cell...
by Lynette
Sat Sep 09, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Anyone use Nextdoor.com for referrals?
Replies: 20
Views: 1540

Anyone use Nextdoor.com for referrals?

Has anyone used Nextdoor.com for referrals? I need to have my driveway replaced from the sidewalk to the garage. The garage is at the back of my 50' wide x 130' long lot. I had a referral for someone from a builder but he did not do anything in 6 months. We discovered he needed a permit and he dragg...
by Lynette
Sat Sep 09, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: New Mobile Phone number - Now hounded by Collection Agencies
Replies: 38
Views: 3261

Re: New Mobile Phone number - Now hounded by Collection Agencies

This happened to me when I got a new number. I convinced them that I was not the person that they were looking for. The calls stopped. Then that collection agency sold the previous person's debt to another agency and they started calling my number again.
by Lynette
Fri Sep 08, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 46986

Re: Equifax customer information leak

I think that they are supposed to be sending letters to those impacted. I have had my accounts frozen for years. For now, I'm not doing anything.
by Lynette
Wed Sep 06, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4895

Re: Do I need an Amazon Echo??.....

I absolutely love my Echo's. I have one upstairs and one downstairs in my lounge overlooking the street where I do most of my work. In the mornings while still in bed, I ask Echo for the time and weather. Then I know if I need to water my lawn and the area where I am trying to grow grass seeds. My T...
by Lynette
Mon Sep 04, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3675

Re: Things to buy/repair before (early) retirement

I agree with others about waiting till you are retired for upgrading a house. I retired recently and for me it has been amazing to have time to go to Big Box Stores .. and Amazon .. to look at merchandise. I also have the time to research. I am at home when the maintenance work is done. I've had goo...
by Lynette
Mon Sep 04, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 19984

Re: Buying house - Very important decision

I just visited someone who has bought a new house in a MCOL area. It cost about $650 and does not have some of the high-end options of the neighbors. I think that the minimal landscaping is absolutely awful. There is no privacy. My first reaction was to plant a lot of trees and flowers. But one cann...
by Lynette
Wed Aug 30, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9028

Re: Living Expenses - what's "reasonable"?

I retired in December 2016 and still haven't figured out my expenses as I've been updating my house and garden. I have spent far too much on perennials that I know won't be perennials next year. While working I used to go overseas four to five times a year. I've visited most of the places I want to ...