Search found 209 matches

by Old Guy
Tue Mar 21, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Debating a weekend in Chicago (south side)
Replies: 40
Views: 2002

Re: Debating a weekend in Chicago (south side)

We had a condo for weekends in River North when we lived in Madison. My favorite touristy thing was the architectural boat tour on the Chicago River.
by Old Guy
Sun Mar 19, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to Milwaukee
Replies: 38
Views: 2662

Re: Relocation to Milwaukee

High taxes, increasingly diminishing services, and its cold, very, very cold.
by Old Guy
Fri Mar 10, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question on Refund from the State
Replies: 16
Views: 872

Re: Tax Question on Refund from the State

Thank you all. It's going to be taxable, and it looks like I'll declare it on my 2017 federal taxes.

As an aside, it was the state the identified the issue. I knew that I overpaid but I figured that I would have to file an amended return.
by Old Guy
Fri Mar 10, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Question on Refund from the State
Replies: 16
Views: 872

Tax Question on Refund from the State

I didn't do my 2015 state taxes correctly. I was just notified by the state that they're refunding me $3500. That's great, but I am unsure about whether I should amend my Federal taxes for that year or I should include it when I file my 2017 federal taxes, which will be the year I receive the money....
by Old Guy
Fri Feb 24, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Ritz/Marriott vacation club - please share positive experience
Replies: 9
Views: 885

Re: Ritz/Marriott vacation club - please share positive experience

We have owned Marriott timeshares since the early 2000s. We now own four weeks. Overall it has been a really good experience. We bought the weeks when we were still working and felt it was necessary to force ourselves to take vacations. All our weeks were bought from the Marriott, which we would not...
by Old Guy
Thu Feb 23, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Roku 3 vs Amazon FireStick
Replies: 14
Views: 1475

Re: Roku 3 vs Amazon FireStick

Has anyone tried the roku app on a smart tv. How does that compare to the box?
by Old Guy
Tue Feb 21, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6765

Re: Which puppy to buy: golden retriever or labrador retriever?

We have had greyhounds. They come in all ages depending on their racing careers. You can only get racing greyhounds through adoption. They are not bred as pets. Smart enough, affectionate, and very easy to live with. They do not need grooming although some will shed. Because most have been fostered ...
by Old Guy
Thu Jan 19, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 24
Views: 2624

Re: Should I cut my Pine tree?

I live in Hilton Head. We lost 120,000 trees, most of them pine during Hurricane Matthew. Cut the darn thing down before a hurricane, tornado, or high winds bring it down.
by Old Guy
Thu Jan 12, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17012

Re: Best Financial Moves You've Made

Marrying my wife. She became a GS 15-8, brought enough money into the marriage so we had a down payment on a house in DC, and let me handle our money.
by Old Guy
Sun Jan 01, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: RMD Questions for TSP and D.C. Government
Replies: 1
Views: 277

RMD Questions for TSP and D.C. Government

Setting up my wife's RMDs. What TSP form do I use and how do I set it up so they take out 20% federal tax? For the D.C. 457b Deferred Compensation Plan I have the form but need some help in again figuring out how to have 20% federal tax deducted.

Thanks.

Steve
by Old Guy
Mon Aug 15, 2016 6:23 pm
Forum: Personal Consumer Issues
Topic: vacation ideas - October
Replies: 42
Views: 3903

Re: vacation ideas - October

If you don't mind flying, consider Hilton Head. You can fly into Savannah and drive an hour north to HH or if you can spend a little more you can fly American into Hilton Head's two gate airport. From the Island, downtown Savannah is about an hour away. Charleston is about two plus hours away. Great...
by Old Guy
Mon Jul 25, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Vacationing in the Caribbean
Replies: 26
Views: 2913

Re: Vacationing in the Caribbean

Aruba. Often go for two weeks. We stay at the Marriott Ocean Club, a timeshare where we own, in the high rise area.
by Old Guy
Mon Jul 04, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Your Favorite Factory Tours?
Replies: 70
Views: 5246

Re: Your Favorite Factory Tours?

Kohler tour, Kohler WI. Not a tour for the weak. Several hours trapsing through very old and dusty factories. Tour given by retired employees.
by Old Guy
Sun Jul 03, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Moving Seattle -> Madison?
Replies: 33
Views: 2298

Re: Moving Seattle -> Madison?

I lived in Madison for 10 years as my wife and I had second careers after working in DC for the Feds. We loved Madison but it can get cold, really cold although each winter can be different. We moved to Hilton Head, and as I tell people: "No more -14 degrees. No more over a hundred inches of sn...
by Old Guy
Thu Jun 30, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: Car rental in Aruba
Replies: 14
Views: 1012

Re: Car rental in Aruba

We have been to Aruba seven or eight times. We own a timeshare at the Marriott Ocean Club, which is in the highrise area. We always rent a car even though there's lots of walkable things to do nearby. One reason is that my wife is pretty restless and does not enjoy sitting on the beach so she has to...
by Old Guy
Sat Jun 25, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

You're basing your views on experience of 60 years ago?

Then there is this: http://www.travelandleisure.com/article ... th-america
by Old Guy
Sat Jun 25, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

Winston also has the North Carolina School of the Arts, which at the college level is part of the UNC System. It adds cultural options to the city.
by Old Guy
Sat Jun 25, 2016 8:27 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

Love Savannah, but there does seem to be lots of crime there. Not sure if it is actually true or a function of news reporting. We get the Savannah tv and radio stations in Hilton Head. The arts institution mentioned above is the Savannah College of Art and Design (SCAD). They have buildings all over...
by Old Guy
Sat Jun 25, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

Agree as to Charleston and they have a Costco. Be aware of what living in the low country means when it comes to flooding especially in a costal city like Charleston. I joke that they flood at high tide. Lots of island, beach communities in the immediate area.
by Old Guy
Fri Jun 24, 2016 9:46 pm
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

Look to university towns like Chapel Hill/Carborro. My wife and I met at UNC in grad school. Maybe Athens, GA. I like the look of Tuscaloosa, AL and it is more progressive than the rest of the state. None of these are on the ocean.
by Old Guy
Fri Jun 24, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: Southeast coast beach cities for raising a family
Replies: 29
Views: 2487

Re: Southeast coast beach cities for raising a family

I live in Hilton Head. Sunny and warm (very warm); great beaches; progressive, not so much. It is progressive compared to much of the southeast, but it's no Madison WI where we lived for 10 years. Actually, Charleston might fit your criteria as might Savannah. NC, SC and, GA mountains can be reached...
by Old Guy
Mon May 23, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 9643

Re: How do Bogleheads TRAVEL?

We live at the in Hilton Head, a four minute walk to the beach, so we seem to be on vacation all the time. The basis for our time away from Hilton Head are our four Marriott timeshare weeks. Two of them are in Hilton Head, which we bought in 2001 when we lived in NoVA. Of course we always trade them...
by Old Guy
Thu May 12, 2016 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Government Law Survivor - having difficulty retiring
Replies: 25
Views: 2940

Re: Government Law Survivor - having difficulty retiring

I too worked for the federal government, in external equal opportunity. It was pretty stressful especially during certain administrations. I retired at 60 and had a second career at a B1G university. My wife joined me when she was eligible to retire from the Feds and took a job with the state govern...
by Old Guy
Mon Apr 25, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 5095

Re: Pros/Cons of Condo Living?

Big plus--no lawn mowing; no leaf raking.
by Old Guy
Mon Apr 25, 2016 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for post retirement career
Replies: 53
Views: 3639

Re: Advice for post retirement career

Look to the federal government. Btw, I went to work for a B1G public university after retiring from the Feds. Earned a nice salary, less than the government, but earned a second pension; qualified for SS (at a reduced level as a former federal employee), and invested heavily in a deferred compensati...
by Old Guy
Sun Mar 20, 2016 9:49 pm
Forum: Investing - Theory, News & General
Topic: The Evergreen RMD reinvestment strategy
Replies: 12
Views: 1577

Re: The Evergreen RMD reinvestment strategy

Spent the [OT comment removed by moderator prudent] money and enjoy yourself.
by Old Guy
Fri Feb 12, 2016 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 10987

Re: Vacation Homes

For us it was a lifestyle decision not a financial decision. As it turned out though we actually made a profit when we sold it. We bought a condo in the depressed market in downtown Chicago in 2009 and sold it in a rising market in 2014. It was about 140 miles away from our then home in Wisconsin, a...
by Old Guy
Sun Jan 03, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: How much is your house worth?
Replies: 71
Views: 7228

Re: How much is your house worth?

$735,000, which is what we paid for it last year. We've added about $25,000 in upgrades. Zillow is all wrong. It doesn't have the renovations done in 2011 or the addition built in 2013.
by Old Guy
Sun Jan 03, 2016 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: How many streams of income do you have?
Replies: 60
Views: 7002

Re: How many streams of income do you have?

Me 2 pensions, social security, 3 RMDs
Wife 2 pensions, social security. RMD in 2017.
by Old Guy
Fri Aug 07, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 5102

Re: iPad - usefulness?

I'm 72 and have had two cornea transplants. It is much easier to read on the IPad. My wife has age related macular degeneration and finds the mini much more useful for reading than the 6+.
by Old Guy
Wed Aug 05, 2015 5:30 pm
Forum: Personal Consumer Issues
Topic: Aloha Shirt: Yes or No
Replies: 80
Views: 8951

Re: Aloha Shirt: Yes or No

We have a Tommy Bahama outlet store near us and I live at the beach. I have a closet full of Hawaiian style shirts.
by Old Guy
Sun Aug 02, 2015 11:43 pm
Forum: Personal Consumer Issues
Topic: Retirees: Questions you hate being asked
Replies: 117
Views: 13349

Re: Retirees: Questions you hate being asked

Q. "What do you do all day?"

A. "As little as possible."
by Old Guy
Tue Jul 21, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Ford Explorer vs. Honda Pilot
Replies: 36
Views: 7043

Re: Ford Explorer vs. Honda Pilot

I have a 2011 Ex, which I am very happy with. It is the first year of the current series and with one minor exception it has been trouble free. The only thing I don't like is the relatively small back window, which doesn't open. Blind side warning is must esp. If you do any highway driving.
by Old Guy
Sat Jul 18, 2015 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why did you take SS at FRA instead of delaying until 70?
Replies: 69
Views: 9292

Re: Why did you take SS at FRA instead of delaying until 70?

I took it at full retirement age and while I was still working for two reasons: 1. I liked having the extra money coming in and 2. Who knew what was going to happen? So I wanted the money while I could use it. Because I was a retired Fed the difference in in income between the two dates was probably...
by Old Guy
Sun Jun 28, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Lifelock: Worth the Money or a Sham?
Replies: 27
Views: 6357

Re: Lifelock: Worth the Money or a Sham?

furwut wrote:I saw a Lifelock commercial the other day on TV playing off of the OMB breach to push their services.


OPM not OMB.
by Old Guy
Sun Jun 28, 2015 9:24 am
Forum: Investing - Theory, News & General
Topic: Decumulation Phase and BH principles
Replies: 49
Views: 6782

Re: Decumulation Phase and BH principles

Why don't you just spend the money you spent so much time saving and enjoy the rest of your life? To paraphrase a statement from one of my favorite books (The Friends of Eddie Coyle) "This life is hard. It's harder if you don't pay attention." I'm just trying to pay attention. (The OP) Th...
by Old Guy
Sat Jun 27, 2015 9:19 pm
Forum: Investing - Theory, News & General
Topic: Decumulation Phase and BH principles
Replies: 49
Views: 6782

Re: Decumulation Phase and BH principles

Why don't you just spend the money you spent so much time saving and enjoy the rest of your life?
by Old Guy
Mon Jun 22, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: OPM breach and credit freeze
Replies: 296
Views: 41746

Re: OPM breach and credit freeze

My wife received notice of the theft of her information but I haven't. Is this because they haven't gotten around to me yet or possibly because my information wasn't stolen?
by Old Guy
Tue May 12, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Post- Retirement Jobs
Replies: 18
Views: 2874

Re: Post- Retirement Jobs

What did I do in retirement? I did what I always wanted to do and worked for a university. I retired from the federal government at 60 years old after 30 years in the Departments of Justice and Education and took my skill set to a B1G University where I worked for 10 years. I had more responsibility...
by Old Guy
Fri May 08, 2015 11:57 am
Forum: Personal Consumer Issues
Topic: What to do with mink coat
Replies: 30
Views: 4447

Re: What to do with mink coat

Gave the three my mom had, and my sister didn't want, to the university's drama department and took a tax deduction.
by Old Guy
Sun Apr 26, 2015 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Tough to get a mortgage while retired?
Replies: 26
Views: 3262

Re: Tough to get a mortgage while retired?

We obtained a $500,000 mortgage last December. We are retired but we both have pensions from federal and state governments and social security coming in as well as our RMDs. We put down 20%. They didn't bother to look at our investments.
by Old Guy
Thu Apr 23, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and splitting expenses
Replies: 112
Views: 10724

QRe: Marriage and splitting expenses

All our money goes into one bank account. It's been that way for forty years. Large financial decisions are made jointly. I paid all the bills and took care of our investments. My wife had some of her own credit cards. My wife was not used to making financial decisions involving less the seven figur...
by Old Guy
Sat Apr 11, 2015 12:10 pm
Forum: Personal Consumer Issues
Topic: Best fish oil/omega-3 supplement?
Replies: 18
Views: 1937

Re: Best fish oil/omega-3 supplement?

Also stopped on advice of my doctor.
by Old Guy
Thu Apr 02, 2015 7:03 pm
Forum: Personal Consumer Issues
Topic: The Credit Card Game
Replies: 32
Views: 3815

Re: The Credit Card Game

How long do you have to keep the cc after you open it and still retain them miles?
by Old Guy
Sun Mar 29, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Hate where we live, do we make major changes?
Replies: 132
Views: 16025

Re: Hate where we live, do we make major changes?

The census figures cited above are questionable as they apply to Hilton Head. Current population is 37,000 or so not over 200,000. Growth across the Sound in Bluffton is taking off.

BTW, we just moved to HHI after 10 years in Wisconsin. No more -14 degrees for us.
by Old Guy
Sat Mar 28, 2015 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 139
Views: 17525

Re: Smartest Financial Move You Ever Made

Convincing my wife to apply for a GS-14 position and then a GS-15. She got both, which she richly deserved. Then when we both retired we went back to work and put everything we could in deferred compensation programs. We EACH wound up being triple dippers along with deferred compensation and IRAs.
by Old Guy
Fri Mar 20, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit union are you a member of?
Replies: 60
Views: 7719

Re: Which credit union are you a member of?

University of Wisconsin Credit Union until our recent move to S C.
by Old Guy
Wed Mar 11, 2015 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Mountain Condo
Replies: 12
Views: 1502

Re: Buying a Mountain Condo

When we lived in Madison Wisconsin we bought a condo in downtown Chicago to use on the weekends. It made no financial sense but we regarded it as a lifestyle investment not a financial investment. It was worth every penny. It turns out we actually made a profit on it when we sold it last spring. I s...
by Old Guy
Wed Mar 04, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: "Americans Aren't Saving Enough for Retirement"
Replies: 41
Views: 5844

Re: "Americans Aren't Saving Enough for Retirement"

Bel:

The federal government has done an outstanding job of investing my money at very little cost to me through the thrift program. Too bad the rest of the people in the country doesn't have access to it.
by Old Guy
Mon Mar 02, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 5293

Re: Retiree Poll: Satisfaction with retirement

I retired in July. I'm still figuring it out. Much of last year was taken up with selling our two condos, packing, and moving 1100 miles away. We still haven't completely unpacked and have had difficulty finding designers to work with us on our house. The first few months here have been taken up wit...

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