Search found 188 matches

by Old Guy
Mon May 23, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 8112

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: 2547

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: 4259

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: 3074

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: 1430

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: 9854

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: 6095

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: 6264

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: 4533

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: 7998

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: 12379

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: 5190

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: 8702

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: 5677

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: 6519

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: 6519

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: 36858

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: 2669

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: 3260

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: 3094

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: 9717

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: 1498

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: 3495

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: 14838

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: 16067

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: 6034

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: 1370

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: 5610

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: 4884

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...
by Old Guy
Wed Feb 25, 2015 10:00 pm
Forum: Personal Consumer Issues
Topic: How do you plan on spending your time during retirement?
Replies: 43
Views: 3847

Re: How do you plan on spending your time during retirement?

As little as possible. Actually, I work out 4-5 days a week; run the dog (a greyhound) on the beach; ride my bike; go out to eat lunch and shop with my wife; read free science fiction on the iPad; discover our new town and neighbors; travel. Hardest thing? Getting a designer to work with us to do re...
by Old Guy
Wed Feb 18, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 260
Views: 712372

Re: TradingPlaces' advice on travel awards

US Air cards with 50,000 miles are still available. I received an offer in the mail this week and signed up today.

And I do have a question: how long do you need to keep these cards before you cancel and are still able to keep the ff miles?
by Old Guy
Mon Dec 29, 2014 9:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 352
Views: 50568

Re: Roll Call for the Retirement Class of 2014!

We sold our condo in Madison and bought a house five rows from the beach in Hilton Head. Enjoying the December weather, which is substantially warmer than Wisconsin. Unpacking and figuring things out. In the new year will start volunteering. We already have had visitors.
by Old Guy
Mon Dec 29, 2014 9:28 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 7287

Re: What did you enjoy spending money on this year?

Buying a house five rows from the beach in Hilton Head. No more -14 degrees.
Buying my wife a glass piece by Dale Chihuly for her retirement from her retirement job.
Two weeks in Aruba.
Giving my son $6,000 for his 30th birthday.
by Old Guy
Sat Nov 29, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 17040

Re: How long did your IT career last? At what age did it en

I think that unless you have a doctorate and publications teaching is not really the best option for experienced IT people especially at a research university. Teaching positions would be available at the community college level or in non-tenuretrack positions teaching first and second year students...
by Old Guy
Sat Nov 29, 2014 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 17040

Re: How long did your IT career last? At what age did it en

I just retired from a B1G university, not in IT. Based on my observations, IT folks looking for work should try colleges and universities. Salaries wouldn't be the same but it can be a nice life style. I think that public universities, since they are very sensitive to issues of discrimination, might...
by Old Guy
Sat Nov 22, 2014 10:10 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 28209

Re: What do you splurge on?

As to the Chihuly piece: Chihuly did his graduate studies here at the University Wisconsin. The Kohl Center on campus is decorated with his work. Every year the Madison Museum of Contemporary Art has four pieces of his work for sale. If you buy a high-end tax-deductible membership to the museum you ...
by Old Guy
Fri Nov 21, 2014 5:15 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 28209

Re: What do you splurge on?

High end crafts. I bought a Dale Chihuly piece for my wife to celebrate her retirement.
by Old Guy
Sat Nov 15, 2014 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Degree of Difficulty Obtaining a Mortgage without Income
Replies: 11
Views: 1561

Re: Degree of Difficulty Obtaining a Mortgage without Income

We are currently getting a $500,000 mortgage with 20% down on a $700,000 plus home. The bank looked at our RMD's, Social Security, savings, sales contract on our current condo, and multiple pensions. They did not seem interested in our investments, which totaled over $1 million.
by Old Guy
Sat Sep 27, 2014 5:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 352
Views: 50568

Re: Roll Call for the Retirement Class of 2014!

I retired on schedule. My last day at work was July 3. On July 5 my wife and I went to Aruba for two weeks. Later in July we went to visit my brother and his family in Alabama. We visited the University of Alabama, very pretty school, where my niece is a student and my brother's nephew plays on the ...
by Old Guy
Fri Sep 19, 2014 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone know of a college FASFA expert?
Replies: 13
Views: 1264

Re: Does anyone know of a college FASFA expert?

Go to the financial aid or the parents forums of college confidential.
by Old Guy
Fri Sep 12, 2014 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Kindle
Replies: 15
Views: 1674

Re: Kindle

http://www.ereaderiq.com

They have a daily listing of free Kindle books by subject matter.
by Old Guy
Sat Aug 30, 2014 8:15 pm
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 15634

Re: Costco:is it worth it for just two people?

Love Costco. I have been a member since 1991 and the Price Club days. When I moved from Northern Virginia to Madison Wi there were only two things I missed--my wife (who joined me three years later) and Costco, which showed up in near by Middleton. On the other hand I can't forgive them for switchin...
by Old Guy
Thu Aug 28, 2014 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 7744

Re: Do you take all of your allowed paid vacation time?

When I left the federal government I had 300 hours of annual leave, which made for a nice payout. When I left the my university position in July I had nearly a month of annual leave saved up, which again made for a nice payout. I always was available on vacation, even when out of the country and che...
by Old Guy
Sun Aug 17, 2014 11:09 am
Forum: Personal Consumer Issues
Topic: Moving after retirement.
Replies: 43
Views: 5380

Re: Moving after retirement.

We are moving to Hilton Head as soon as we can sell our condo. Why? It's too damn cold in Wisconsin; almost all of our families are on the east coast: spouse and I grew up in states on the ocean (NJ and MA) and we we want to spend the rest of the time allotted to us near the beach.
by Old Guy
Sat Aug 16, 2014 6:32 pm
Forum: Personal Consumer Issues
Topic: When did you downsize?
Replies: 35
Views: 3865

Re: When did you downsize?

Otoh we are planning to get a larger place in retirement. We are selling our 1600 plus square foot 2+2 and den condo and moving to a southeastern coast beach community. Too damn cold in the Midwest. We want 3 bedrooms plus office or four bedrooms. My wife needs a room to herself where the doors can ...
by Old Guy
Thu Aug 14, 2014 5:45 pm
Forum: Personal Consumer Issues
Topic: Where do you buy clothes?
Replies: 105
Views: 12182

Re: Where do you buy clothes?

Brooks Brothers during sales but the purchases will be limited since I just retired. Ralph Lauren polos from their outlet stores and the Boston Store when on sale. Tommy Bahama from their outlet stores and Boston Store. Sweaters from J. Crew and Land's End but only on sale or from outlet stores.
by Old Guy
Tue Jul 15, 2014 6:56 am
Forum: Personal Finance (Not Investing)
Topic: vacation points program
Replies: 18
Views: 1901

Re: vacation points program

We have owned Marriott timeshares since 2001. We have no regrets. It forced us to take vacations. We are in Aruba right now for two weeks using a week we own and a week we traded. Time sharing requires you to pay attention and learn the system. I have made it my hobby. Spend time at tug2.net. I am n...
by Old Guy
Mon Jul 07, 2014 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 18950

Re: Easy careers to last me to retirement?

Security guard; custodian; food service worker; college bookstore.
by Old Guy
Mon Jul 07, 2014 10:32 am
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 4094

Re: When you retire you plan to?

I retired last week. Now in Aruba for two weeks. We plan to move to Hilton Head SC where I will volunteer; work out; ride my bike; and sit on the beach.
by Old Guy
Fri Jun 27, 2014 7:53 am
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 10323

Re: Please help us decide where to live

Madison WI except that it can be cold, very cold. Otherwise one of the great small cities in the country. Two and half hours from Chicago; home to one of the great public universities in the country; and politically liberal. We have lived here for 10 years, but with retirement from both our retireme...

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