Search found 108 matches

by MandyT
Mon Jun 19, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1634

Re: Credit for Retirees

Thanks to Meg77 and the others who have replied to my inquiry. If you want to get a mortgage (refinance or new property purchase), you'll want to do that before you retire. If you have substantial equity in your home, it might make sense to take out a home equity line of credit to use in the future ...
by MandyT
Sun Jun 18, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1634

Credit for Retirees

I am retiring from a position as a university professor (I'm 55). Because of the nature of nine-month contracts, I am technically employed until 8-31-17 (making about $75000 annually) and will be retired effective 9-1-17 (with a pension of about $26000). I haven't thought very much about how credit ...
by MandyT
Mon Jun 12, 2017 2:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18620

Re: Roll Call for the Retirement Class of 2017!

I plan to retire effective September 1, 2017. I haven't put in my papers, but I've told my department chair and some of my colleagues. I have some duties that will need to be transferred to other people, so I thought about a year's notice would save me some amount of "Mandy, where do you find ...
by MandyT
Sun Mar 26, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4961

Re: How did you do your income taxes?

Just like last year:

Federal: FreeFillableForms.

State: Pen and paper.
by MandyT
Tue Mar 21, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 8722

Re: Citi card Nightmare

This is one of my concerns with viewing statements and paying bills online. I have considered just having credit card bills mailed to me. Is it worth saving a stamp to possibly have my credit score hurt by a late payment due to issues on their end or mine? Hope you manage to get things worked out a...
by MandyT
Fri Feb 24, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 12858

Re: What are the big things to get right?

This is an excellent list, but I'd add something towards the top. A rough priority order of the big things to get right: 1. Analytical mind, life-long learning, strong decision-making ability. Without these skills everything else can fall apart. 1a. Self-awareness. Some of the smartest people I know...
by MandyT
Fri Feb 17, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 4379

Re: How do you handle switching your handbag?

I have one handbag at a time. Only switch when I have a new one and the old one goes out the door. This is me. I'm fortunate that I'm in academia, in a department and at a university with enough of a majority of men that I can stay in my preferred mode: clean and presentable with little or no thoug...
by MandyT
Thu Feb 16, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 7867

Re: Credit cards vs. Cash

Always fascinates me how we Bogleheads thoroughly tease-out every aspect of a topic. Just wanted to mention that the gold standard for research is that it be "double blinded" - the subjects don't know AND those conducting the experiments don't know the critical nature of the experiment. A...
by MandyT
Tue Feb 14, 2017 3:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764057

Re: What Movie Have You Recently Watched?

I watched groundhog day, again, no pun intended. lol that was on tv last week, I just can't get enough of that movie. Any other fans out there? I saw the ads for it on TV. I've seen it several times in the past so didn't bother to tune in again. Great movie though! I did think the ad was clever. It...
by MandyT
Sun Feb 12, 2017 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 342
Views: 23830

Re: Your USER NAME...what does it mean?

When I joined the message board, I was feeling unusually cautious because of an upcoming career decision, so I wanted to use a handle that I wasn't using on any other message boards. But I didn't want a username that was so obscure that I might not recognize it as "my name". So I picked a ...
by MandyT
Sun Jan 15, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 2762

Re: Recommendations for home paper shredder

I have a WM675XB--the brand name is Aurora, though that's not obvious from looking at the unit or the packaging (it's online and in the manual, though). It's currently on sale at Walmart.com for $24.88. I've been happy with it. I used to have a shredder that jammed a lot, and I don't think it was cr...
by MandyT
Sat Jan 14, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1600

Re: Receipts [Retaining purchase receipts]

Bogleheads, I am interested in thoughts and comments regarding the shredding of receipts form purchases. How many folks shred all receipts at the end of the month once the transaction has cleared on a credit card statement? This is actually what I do. I save receipts in an envelope for each credit ...
by MandyT
Fri Jan 06, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 242
Views: 29205

Re: Retreat to cash

Interesting - on November tenth - the advice delivered on this forum to another forum participant that was - in part: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=177225&p=2684276#p2684276 " Don't try for the wild swings or latest top returners." On Nov 22, a wild swing is...
by MandyT
Wed Dec 28, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 70
Views: 8805

Re: Gift To Self

I bought a piccolo! I've been studying the flute on my own for the last four years, and saw a like-new Yamaha piccolo on Ebay for what seemed like a good price. I won't be working on it for another year or so, but that was my gift for myself (I had a "big" birthday in November). No one el...
by MandyT
Wed Dec 07, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 2931

Re: Shoes for flat-footed over-pronators

I'm on my third pair of New Balance walking shoes, and my second pair of 812's--I got them in black so I can wear them to work. I don't live in a town with a New Balance store, but I've been to them twice and I recommend them very highly. The first time I went to one, I asked about a specific model;...
by MandyT
Sat Dec 03, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 11571

Re: Feeling like you've "made it"

I used to be a worrywart who was prone to various flavors of anxiety. What cured me was losing a bunch of things that were important to me (including my marriage, my job*, and most of my friends) and surviving. I learned how little I really need to be OK. I had written several paragraphs with more d...
by MandyT
Sun Nov 27, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 67
Views: 7827

Re: Why do reviewers love the Dell XPS 13 but users don't?

...I see no real benefit of a dedicated home machine and travel machine. At 55, my eyesight is still pretty decent, but it's harder than it used to be to read things that are tiny. I've been a TracFone user since 2002; I currently have a "feature phone" that permits texting and rudimentar...
by MandyT
Fri Nov 25, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764057

Re: What Movie Have You Recently Watched?

I saw Arrival on Wednesday. Taking preferences into account (I like science fiction that makes me think), it's one of the best movies I've ever seen. Really glad I decided to go see it.
by MandyT
Fri Nov 18, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1873
Views: 297224

Re: What's Your Credit Card Rewards Strategy?

I had a Southwest Rapid Rewards Premium Visa for which I got a bonus early in 2013. I cancelled it at some point because I wasn't using it that much--I figured I'd eventually reapply for another bonus. I've been getting mail and email for awhile offering a 50,000 point bonus, but the last couple of ...
by MandyT
Fri Nov 18, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1387

Re: Another "replace car or not" decision

Quick update. The sales department from the dealership where I get some of my service done called me to invite me to find out how much my car would be worth as a trade-in. I did some research to find out what I might want to buy there and to determine what my car might be worth. I told them I really...
by MandyT
Fri Nov 18, 2016 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 8597

Re: Take SS at 62 or wait ?

I think there is a very significant pure financial argument for waiting as long as you can. However, there are very real personal and physical reasons why you should take it early. Spending $1K when you are 62 is highly likely to be more enjoyable than spending $1,300 when you 85. I personally will...
by MandyT
Sat Nov 12, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 4819

Re: John Hancock discontinues LTC insurance sales

But what if you don't have kids or relatives to take care of you when you are old and need help? These costs would wither the best portfolios of anyone who wasn't extremely wealthy. Self-funding seems unrealistic to me. I know a lot of middle aged people who spend all their time helping out their p...
by MandyT
Sat Nov 12, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 58459

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Like some of the other posters in this thread, I seem to have been wired for frugality. I'm not stingy, and I'm willing to spend money when warranted, but I like finding bargains and getting good value for my money. I've always been a bit oblivious to what other people think, and I'm glad to be in a...
by MandyT
Sun Nov 06, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 6922

Re: Why do people use banks?

With everything going electronic, I have almost no use for physical banks OR credit unions. Neither of them reliably provide the best rates on CC's, loans, or savings interest rates. Any perceived increase in customer service is not even close to worth the trade-off in rates. Name one B&M bank ...
by MandyT
Thu Nov 03, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Indispensable Quinn Talk Plenty Good
Replies: 16
Views: 2210

Re: Indispensable Quinn Talk Plenty Good

... ^^^ This had already been pointed out and I understood the wordplay. For some reason I thought others wouldn't get it if I spelled it phonetically. But you're right. There's no joke there without the deviant spelling: 'Doppler' --> 'Dopeler' (Looks like I was 'the dope'!) Thank you. Oops--I rea...
by MandyT
Thu Nov 03, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Indispensable Quinn Talk Plenty Good
Replies: 16
Views: 2210

Re: Indispensable Quinn Talk Plenty Good

I just listened to the video--thanks for the link! I had to mention one minor correction: ... Jane Bryant Quinn was guest speaker at a press club event in New York City to talk about her retirement guide, published earlier this year: "How To Make Your Money Last". You are facing what's cal...
by MandyT
Sun Oct 23, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1387

Re: Another "replace car or not" decision

The obvious purely financial answer is to drive it until the wheels fall off. The car is mechanically sound and essentially fully depreciated. Having said that, if you can afford it and you are tired of the old car, there's nothing wrong with upgrading. Just take your time and shop carefully! My in...
by MandyT
Sun Oct 23, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1387

Re: Another "replace car or not" decision

Do you think that you'll be putting more, fewer, or about the same number of miles on it after retirement? Probably somewhat fewer. I'll be moving to a nearby large city (about 100 miles from where I live now). The majority of my current mileage consists of trips to concerts, shows, sporting events...
by MandyT
Sun Oct 23, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 13
Views: 1387

Another "replace car or not" decision

I've read the various discussions about whether/when to replace a "beater" with some interest. I would like to get input into my situation. I'm in my mid-50's and will be retiring next summer. I have a 2004 Nissan Sentra with around 160,000 miles. It's reliable and well-maintained, but it'...
by MandyT
Sun Oct 09, 2016 5:44 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 7258

Re: Retirees: What are your passions?

What I relish most about retirement is having that free time, the freedom to do what you want to, when you want to. There is not the deadline of time off ending. DW and I can go out for lunch on short notice, or drive somewhere to check on maple trees with red leaves, all without waiting for the we...
by MandyT
Sun Oct 09, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 109
Views: 15222

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

I'll add my anecdotes, with the realization that they are as worthless to the OP's individual situation as all the others. If nothing else, anecdotes are helpful for giving a sample of some different organizational cultures and sets of expectations (filtered through the lens of the poster, of cours...
by MandyT
Sat Oct 08, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Retirees: What are your passions?
Replies: 56
Views: 7258

Re: Retirees: What are your passions?

My main passion is music (including orchestral music, chamber music, and musical theatre). One of the reason I want to retire early is so I can increase my participation in musical activities while everything is still working. Several of my musical friends are 15-20 years older than I am; they're mo...
by MandyT
Sat Oct 08, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Luxury Cars - Am I missing out on creature comforts by not driving one?
Replies: 92
Views: 8243

Re: Luxury Cars - Am I missing out on creature comforts by not driving one?

Did you ever see the lexus commercial with the rain sensing wipers? you can save a half second every time it rains! lol. One of my colleagues told me about driving his grandmother's car that had rain-sensing wipers...which had drawbacks when a bird took aim on their windshield. :annoyed The OP star...
by MandyT
Thu Oct 06, 2016 7:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 168
Views: 15665

Re: How Did You Become A Boglehead? What Led You Here?

For some reason, I don't remember how or what, but I do remember when--it was in October 2014, when the GTAT bankruptcy hit. (Fortunately, I didn't personally have anything to do with that.) I read the long, sad thread on the Contrarian Investor forum; I have the feeling that I found that forum thro...
by MandyT
Mon Oct 03, 2016 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Retirement based on not on #, but healthcare?
Replies: 62
Views: 4950

Re: Retirement based on not on #, but healthcare?

I ended up in an unusual situation that resulted in my retiring *earlier* because of health care considerations. I work for a public university system that recently announced changes to retiree medical insurance for the purpose of keeping costs under control. Effective 1-1-18, one must be at least 6...
by MandyT
Sun Sep 11, 2016 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Too much life insurance?
Replies: 99
Views: 5890

Re: Too much life insurance?

The insurance companies would be broke if it was a winning game for the consumer. I've read the whole thread, and I would like to reply to this statement. I had almost posted this in reply to a previous poster who had elected not to have collision on a relatively new car for the same reason (if it'...
by MandyT
Thu Sep 08, 2016 3:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone else experiencing number drift
Replies: 51
Views: 7044

Re: Anyone else experiencing number drift

Not only the number is going down, but my planned retirement age is as well. After reading some of the earlier posts, I had been planning to reply that I've experienced *time* drift rather than *number* drift, then I saw englishgirl's post mentioning this idea. I've never particularly had a "n...
by MandyT
Mon Aug 29, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 23
Views: 2154

Re: Upcoming Road Trip Restaurant Recommendations

Flushing, NY (the neighborhood in Queens that includes CitiField) has some excellent Chinese food and other kinds of Asian food. I've heard that soup dumplings are a particular specialty of some restaurants in Flushing. You may want to check Yelp for reviews. Sounds like a great trip! I've taken one...
by MandyT
Sat Aug 27, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 9285

Re: What is your system for dealing with coins?

I'm guessing that most of these responses are from men. Women's wallets generally have coin purses attached (at least all of mine always have). If I accumulate so many coins that my wallet gets hard to close, I'll pay cash for small purchases to use them up. This. I usually have between 50 cents an...
by MandyT
Sat Aug 20, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Joint Accounts - How do you use it?
Replies: 103
Views: 7640

Re: Joint Accounts - How do you use it?

I've been (amicably) divorced for 14 years after having been married for 16. For us, the best set-up was to keep all of our liquid cash in a checking account and savings account at the same bank in joint accounts. We set things up so that he had an ATM card that was linked only to the savings (thoug...
by MandyT
Mon Aug 15, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: bifiocals vs progressive lenses - value/cost
Replies: 20
Views: 1764

Re: bifiocals vs progressive lenses - value/cost

I have several instrumental music friends who are around 10 years older than me. They all cautioned me that progressive lenses are terrible for reading music. I got my first pair of bifocals when I was 45 (I'm 54 now). I hated my first pair because the line was in the middle of my field of vision. S...
by MandyT
Wed Aug 03, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6710

Re: Points/Miles Schemes - Waste of time or worth it?

Yeah, you're right about that. You can always find a flight, but the points can be wildly different. On Southwest though, the points are always worth the same value. There are no "saver" rates or anything like that. The wanna get away fares always cost 70 points for every dollar of the li...
by MandyT
Wed Aug 03, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage, budgeting, and taxable accounts
Replies: 41
Views: 3249

Re: Marriage, budgeting, and taxable accounts

I agree with much of what is being said here. Seems to me to be an issue of communication and expectations. Your spouse expected you to "live up to your agreement" and spend this money. Spouse likely is feeling some subtle pressure (even if it is actually completely non-existent) to save ...
by MandyT
Sun Jul 31, 2016 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Any retirees here who have been life-long renters?
Replies: 140
Views: 11789

Re: Any retirees here who have been life-long renters?

Could be a very small or non-existent group here. But I keep hearing the siren song of home ownership, but I am not sure if this is ever going to happen for me. I guess I need to hear from some folks that may have been able to retire and "win the game" without having been home owners. I'm...
by MandyT
Sun Jul 24, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 161
Views: 18620

Re: Roll Call for the Retirement Class of 2017!

I plan to retire effective September 1, 2017. I haven't put in my papers, but I've told my department chair and some of my colleagues. I have some duties that will need to be transferred to other people, so I thought about a year's notice would save me some amount of "Mandy, where do you find X...
by MandyT
Tue Jul 12, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: Bayesian market predictions?
Replies: 75
Views: 5124

Re: Bayesian market predictions?

I took a course in Bayesian decision theory around 1990--one of the most difficult courses I ever had, really interesting. I was aware of the divide between Bayesians and frequentists, but I hadn't been aware that there had been classified work using a Bayesian approach. Statistician joke: a Bayesia...
by MandyT
Mon Jul 11, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: What to do around Vegas during Winter?
Replies: 21
Views: 1971

Re: What to do around Vegas during Winter?

DW and I have been looking at taking a week in Las Vegas the week before Christmas. Rates at hotels are down significantly (I saw a room at Wynn for about $165 versus several hundred normal for more temperate times of year). I think December must be dead time for tourism in LV, checking the list of...
by MandyT
Tue Jul 05, 2016 10:01 pm
Forum: Personal Consumer Issues
Topic: Any suggestions for Las Vegas Shows
Replies: 25
Views: 1682

Re: Any suggestions for Las Vegas Shows

Carrot Top. Inexpensive and very very funny. Just don't tell your friends you saw him because it is embarrassing. I have seen Carrot Top a few times, have taken different people to the show and everyone loves it. Given your parameters (no Cirque and no magic), I'll give another vote to Carrot Top. ...
by MandyT
Mon Jul 04, 2016 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Money vs. Happiness
Replies: 94
Views: 12242

Re: Money vs. Happiness

One thing I haven't gotten any sense of is, if you left Alaska, where would you go? This idea also comes up in discussions of early retirement--people put a lot of effort into deciding whether to retire, but not always enough thought about what they're retiring *to*. Where do you think you'd want to...
by MandyT
Thu Jun 30, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rent Vs. Buy Example
Replies: 37
Views: 3351

Re: Rent Vs. Buy Example

I am a 54-year-old lifelong renter. I've been in my current apartment for 11 years; the last 10 years have been at the same rent, which is quite low. One thing I've learned from reading this message board, that I had never really thought about, is that a renter like me is a valuable commodity for la...

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