Search found 219 matches

by Old Guy
Mon Jun 05, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 105
Views: 6757

Re: Flying first class, business, versus economy.

We flew business class last summer to London. We're in our 70s. We used a combination of AA frequent flyer miles and Marriott reward points. I'll never, ever again fly international in economy.
by Old Guy
Sat May 13, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: Best cities for older tech workers?
Replies: 51
Views: 4307

Re: Best cities for older tech workers?

To avoid age discrimination look to towns/cities with large state universities. Lots of tech jobs. University salaries may not be the highest though.
by Old Guy
Mon May 08, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying second home in Georgia- tax implications
Replies: 9
Views: 970

Re: Buying second home in Georgia- tax implications

Thanks all. As to maintaining a second residence, we are looking at updated/newly renovated condos so this really wouldn't be a problem. Our in-town in Chicago was in a recently built building and other than minor problems liked clogged sinks, which building maintenance took care of, we had no real ...
by Old Guy
Mon May 08, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Buying second home in Georgia- tax implications
Replies: 9
Views: 970

Buying second home in Georgia- tax implications

We are full time residents of SC. We're thinking of buying a pied-a-terre in Savannah, which is less than an hour away. I have some questions and hoping the board can help me with them. 1. Will I have to pay a higher property tax in Chatham County (Savannah) because I am an out-of-state resident? 2....
by Old Guy
Mon May 01, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Cost of Estate Planning
Replies: 33
Views: 4141

Re: Cost of Estate Planning

I live in a relatively small island resort community in SC. We used a trust attorney on the island and it was very pricey; over $4,000, for separate trusts for my wife and I. My brother, who is mostly a criminal attorney in AL, was taken aback by that price. We had previously gone to another trust a...
by Old Guy
Mon May 01, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4332

Re: Buying couches the Boglehead way

Don't care for Costco furniture. I find the design too conservative and boring for my taste.
by Old Guy
Sat Apr 29, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 11614

Re: When do you plan to die?

Not anytime soon.

My father lived to 92. My mom died of cancer at 77. I'm 74. I have no life threatening systemic issues. This morning I did 80 real push-ups and spent 45 minutes on the elliptical machine at level nine. I don't lift anymore. I work out three to five days a week.
by Old Guy
Mon Apr 24, 2017 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage at 75 ?
Replies: 15
Views: 2096

Re: Mortgage at 75 ?

At 72, my wife was 68, I got a $500,000 mortgage. Put 20% down. Both of us retired. Combined six federal and state pensions plus SS. Over $50,000 in I bonds. Over 100,000 in cash in the bank. RMDs.

If a bank wants your money that'll give you a loan.
by Old Guy
Mon Mar 27, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Need advice about massive changes in daughter's college program by dean
Replies: 52
Views: 4405

Re: Need advice about massive changes in daughter's college program by dean

I worked for a B1G University for ten years. My advice--- transfer.
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: 2228

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: 3011

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: 1209

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: 1209

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: 977

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: 1750

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: 7520

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: 3199

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: 17964

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: 299

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: 4041

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: 3055

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: 5509

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: 2377

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: 1062

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: 2581

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: 2581

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: 2581

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: 2581

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: 2581

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: 2581

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: 9904

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: 2993

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: 5291

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: 3793

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: 1605

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: 11290

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: 7561

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: 7435

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: 5277

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: 9332

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: 13618

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: 7720

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: 9841

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: 6597

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: 6878

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: 6878

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: 43249

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: 2898

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: 5045

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.

Go to advanced search