Search found 196 matches

by Shallowpockets
Mon Jun 19, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 2109

Re: Cataracts & reading glasses

No reading glasses is a major goal of cataract surgery. For me. I had left eye done last month and will be having right eye done tomorrow. I paid extra for a multifocal lens, not covered by medicare. $2400. I am medicare advantage kaiser. Surgery was $50. With only the left eye done I have not worn ...
by Shallowpockets
Mon Jun 19, 2017 7:00 am
Forum: Investing - Help with Personal Investments
Topic: ETF expense ratios. do they matter in this case?
Replies: 6
Views: 579

Re: ETF expense ratios. do they matter in this case?

Thanks, Nisiprius. That does put things in perspective. Sometimes we get carried away by frugality in many things and cant see the forest for the trees. Your analysis was clearly laid out.
by Shallowpockets
Sun Jun 18, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: ETF expense ratios. do they matter in this case?
Replies: 6
Views: 579

ETF expense ratios. do they matter in this case?

I am holding ETF SPY through my Etrade account. I see that the expenses ratio is 0.09%. I pay $4.95 to trade/buy it. Other than this $4.95, which is 0.02% of an overall cost basis of 100 shares at $23760 (237.60 share at the time) does the expense ratio affect this? Or, should I buy VOO (Vanguard 50...
by Shallowpockets
Fri Dec 30, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: I'll never save a 20% down payment. Rent for life?
Replies: 138
Views: 13884

Re: I'll never save a 20% down payment. Rent for life?

OP, Your wife, an RN. I am an RN and you could easily double your family income by having her work. She should even be able to find part time or 'PRN' work that would take your income WAY above what your have now. Well enough to afford this house. Her not working and having little experience to begi...
by Shallowpockets
Tue Sep 27, 2016 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Reason NOT to wait past 66 to take Social Security
Replies: 48
Views: 6177

Re: Reason NOT to wait past 66 to take Social Security

It is a BH trend to not take SS before 70. To wait until 70 is a luxury to many people. Most do not have the funds to make it that long. It is not how much you collect until break even age, it is how much you need to live. Personally I am taking it this year at 66. I feel that is a median age and be...
by Shallowpockets
Tue Sep 27, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Protein Powders
Replies: 45
Views: 3935

Re: Protein Powders

Post-OP your mother should have access to a nutritionist consult and that is what you should do. Then you can consider what they say. Might be a lot better than posting here. Time is wasting post-op while you gather replies here and assess them. I am sure any nutritionist associated with the hospita...
by Shallowpockets
Mon Sep 26, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Where to spend January-March in Winter??
Replies: 37
Views: 3668

Re: Where to spend January-March in Winter??

You live in Maine.
Let me repeat that. You live in Maine.
You want warm, yet you say there is nothing to do in Florida except beach and pool. In the whole state of Florida you cannot find anything to do that might suit you?
by Shallowpockets
Mon Sep 26, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Aging and Spending
Replies: 54
Views: 10209

Re: Aging and Spending

I have spent a little more since I retired (late 50's here, retired mid 50's). I have 2 problems with letting loose: 1. I don't want to acquire more "stuff". I have enough already. 2. I increasingly don't like the hassles associated with travel. Packing, dealing with the airports (Los Ang...
by Shallowpockets
Sun Sep 25, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Stain Our Deck Before Winter - $3,000 or DIY?
Replies: 41
Views: 3736

Re: Stain Our Deck Before Winter - $3,000 or DIY?

I concur with above. I used to stain deck, but it does get to be tedious and cost a bit too.
Then it wears uneven and starts to look,bad.
Past 15 years, nothing. It is a redwood deck. Is gray now but looks OK and I am good with that.
by Shallowpockets
Sat Sep 24, 2016 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: 75-year-old widowed retiree
Replies: 8
Views: 1706

Re: 75-year-old widowed retiree

Looks like it is all "lagniappe". She has been living fine until now. Her needs are met. Life gies on. Now she has more. Maybe a little good living is in order. At worst if she spent the entire 250k she would just be back to status quo of now. Maybe time to make life a bit better and easie...
by Shallowpockets
Sat Sep 24, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: How do I put on these trades?
Replies: 16
Views: 1598

Re: How do I put on these trades?

I do trade stocks. When I do I sit there and watch what is going on. You say you do not want to do that, but then you will think about some things over a glass of red wine. You had the time to post here and to read the thread. So, you do have the time. Sounds like you are looking for an easy way. Yo...
by Shallowpockets
Sat Sep 24, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Cancun, Grand Cayman or Other Caribbean Islands
Replies: 28
Views: 2670

Re: Cancun, Grand Cayman or Other Caribbean Islands

Just back last night from the Riviera Maya area. Stayed at Iberostar. There were quite a few young children and even babies there. They have a dedicated kids area and staff if you want to be free for a while although your children seem very young. Lots of good suggestions on this thread for you. Riv...
by Shallowpockets
Wed Sep 14, 2016 8:20 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 5428

Re: Best Flashlight to keep in home for emergency

Why are the lights out that you need a flashlight? You have to ask yourself that. Is it temporary? Do you know why they went out? Do you have access without power to the news and the whys and where's? This day and age it could be a terrorist attack in the grid. Or just that aging grid showing its pr...
by Shallowpockets
Tue Sep 13, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: Christmas gift expectations
Replies: 61
Views: 5002

Re: Christmas gift expectations

Well. You can be manipulated by your sister or not. This one time can become every Christmas very easily. You can be manipulated by all the usual expectations of Xmas or not. All that is the whole family thing. Someone said, just say NO. I would concur on that. Set a precedent with the sister. Sure,...
by Shallowpockets
Tue Sep 13, 2016 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Explaining college tuition increases
Replies: 27
Views: 2149

Re: Explaining college tuition increases

College tuition goes up because it can. Many times related to a third party payer or a loan process. Look at any third party payer system and you will find all kinds of different prices for the same thing and a maze of inconsistency, vagueness, and runarounds. It is the nature of the beast that anyt...
by Shallowpockets
Tue Sep 13, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: No health insurance - please help.
Replies: 24
Views: 2556

Re: No health insurance - please help.

Now is the time to educate yourself. Try it before you end up paying unnecessary money in order to learn. Go to the ACA for your state. Find out how and how much that will be for you. This company you are involved with does not even sound like an insurance company. You should at least have had the o...
by Shallowpockets
Fri Sep 09, 2016 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Waterfront Lot in Florida - Worthless or Priceless?
Replies: 31
Views: 2753

Re: Waterfron Lot in Florida - Worthless or Priceless?

It is odd to me that a vacant lot would have sentimental value. Does the next generation even want the property? Why would an elderly woman want to take on the task of building a house that she won't live in? This is exactly right. It is all a pipe dream. Nothing has been done before regarding this...
by Shallowpockets
Wed Sep 07, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2402

Re: Question about capital gains on home sale.

I am asking for a friend who is in deep financial trouble. 1. Bought home for 100,000 in 1980 approx. 2. Took out all equity in house in 2009 approx 530,000. to make an investment and live off some of the money for years. 3. Lost all money in investment immediately. (bad/corrupt investment in a gol...
by Shallowpockets
Wed Sep 07, 2016 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: vacation home now or in 2035?
Replies: 10
Views: 1573

Re: vacation home now or in 2035?

Not a good idea. Do the math. Lets say you pay 100k for this mountain vacation home. That would most likely be a great price. Your are on the hook now for payments. But, lets say you just went when you wanted and payed $200 night for a hotel. You could go 500 nights for that price and not have any r...
by Shallowpockets
Tue Sep 06, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2402

Re: Question about capital gains on home sale.

I stand corrected on both points in my above post. Spelling and against income, not the taxes.

Oops.
Sorry, and thank you.
by Shallowpockets
Tue Sep 06, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Visiting Peru/Machu Picchu
Replies: 16
Views: 1298

Re: Visiting Peru/Machu Picchu

I am sure you can make all your arrangements in Cuszco. Be aware that such arrangements may take time. If pre booked from the US you will be more assured of how your timeframe will be. If you have the time to wander around and compare prices and outfitters and then fit yourself into whatever departu...
by Shallowpockets
Tue Sep 06, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 263
Views: 26628

Re: How much is your cell phone bill?

What is ring plus, mentioned twice here, for $0?
by Shallowpockets
Tue Sep 06, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Question about capital gains on home sale.
Replies: 35
Views: 2402

Re: Question about capital gains on home sale.

It is capitol losses against capitol gains, dollar for dollar. The $3,000 maximum per year additional is used against earned income taxes if needed. Example. Capitol gains = $10,000 Capitol losses = $18,000 10k gains offset by 10k losses. The remaining 8k loss can have 3k applied against income tax ...
by Shallowpockets
Mon Sep 05, 2016 10:06 am
Forum: Personal Consumer Issues
Topic: Traditional Medicare, Diabetes and Ophthalmologist
Replies: 15
Views: 1952

Re: Traditional Medicare, Diabetes and Ophthalmologist

I imagine since she does not have any supplemental Medicare that she should find a doc that accepts Medicare as the full payment for the service. Medicare being accepted is not the same thing because there will be amounts perhaps exceeding Medicare coverage for which she will get a bill. Otherwise w...
by Shallowpockets
Tue Aug 23, 2016 3:14 pm
Forum: Personal Consumer Issues
Topic: Get rich quick?
Replies: 52
Views: 9736

Re: Get rich quick?

I often have thought of taking $5k and putting it on black or red at the roulette table. This way you know real soon how it all comes out. So if you are willing to lose that 5% of your investments anyway, that would be as good a way as anyway. This way you don't have to fool around with any of those...
by Shallowpockets
Tue Aug 23, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: Vanguard email - You don't have enough money to pay for a recent trade
Replies: 6
Views: 1423

Re: Vanguard email - You don't have enough money to pay for a recent trade

I takes three days for a trade to settle. Free riding (also known as Freeriding or Free-riding) is a term used in stock-trading to describe the practice of buying and selling shares or other securities without actually having the capital to cover the trade. In a cash account, a free riding violation...
by Shallowpockets
Mon Aug 22, 2016 8:02 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 206
Views: 24356

Re: Is there a such thing as a blue collar Boglehead?

I encourage you to lose that weight. Think of it as debt. Lose it.
Health is wealth. Many cannot equate that thought until they spend countless hours and dollars for ill health from a preventable lifestyle. No fun retirement in that.
Start now. Start walking.
by Shallowpockets
Sun Aug 21, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Western vacation questions
Replies: 40
Views: 2976

Re: Western vacation questions

Shallowpockets wrote:On the above.

You may be right on that 4th grade pass, but the standard admission to national parks is $30 per vehicle.
by Shallowpockets
Sun Aug 21, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Western vacation questions
Replies: 40
Views: 2976

Re: Western vacation questions

On the above.

You may be right in that 4th grade pass, but the standard admission to national parks is $30 per vehicle.
by Shallowpockets
Sun Aug 21, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Tips for a 1000 miles car trip with toddler and baby
Replies: 100
Views: 5565

Re: Tips for a 1000 miles car trip with toddler and baby

Wow! Suggestions include stopping every 2-3 hours for the kids. That is not even a tank of gas. Plenty of added time there in an overall trip. Those miles will seem like 2000 miles. And take as long. Another suggestion was drive at night. What! That has got to be an added danger. Especially consider...
by Shallowpockets
Sat Aug 20, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: Western vacation questions
Replies: 40
Views: 2976

Re: Western vacation questions

People who come out west should look at a map and figure some distances. These posts about Glacier and down to Grand Canyon, etc in short amounts of time are not figuring in a practical manner. You need to look at roads and distances or else most of your vacation will be driving, driving, driving. Y...
by Shallowpockets
Tue Aug 16, 2016 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 8479

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

I also live in Colorado. Mandatory car insurance. Must be a joke. Otherwise why am I paying uninsured motorist insurance? The legal system relies on fines and restitution as a sentence without thought on how it really plays out. Ever wonder how someone gets jail time and a high payback penalty and w...
by Shallowpockets
Tue Aug 16, 2016 7:51 am
Forum: Personal Finance (Not Investing)
Topic: What is the best way to send the direct rollover check to Vanguard?
Replies: 35
Views: 4311

Re: What is the best way to send the direct rollover check to Vanguard?

Isn't it true that that when such a check is issued to an individual that the taxes are taken out and then have to recover that money sometime later after proof of rollover within 60 days?
by Shallowpockets
Tue Aug 16, 2016 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Where to report IRS impersonation scams
Replies: 26
Views: 2186

Re: Where to report IRS impersonation scams

If it happens to me I would just hang up. Calling local police may make you feel good, but is essentially a waste of time. Same with all other agencies. There is no personal way to make a change in this problem. Too many phones, too many suckers, too little effort by authorities to do anything. Most...
by Shallowpockets
Wed Aug 10, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: College major...medical
Replies: 26
Views: 2766

Re: College major...medical

I was an RN in the ER for 25 years. The truth of being an RN is that you will always be able to get a job. But, you will top out in salary and that is that. Plus your working career will be filled with the hard truth of the reality verses the dream. You will work like a dog. Get very few thank you f...
by Shallowpockets
Wed Aug 10, 2016 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Parents TOO frugal - leave it be???
Replies: 34
Views: 4359

Re: Parents TOO frugal - leave it be???

You cannot change them. But, sooner or later age will catch up and health will decline and then, while they may not change, circumstances will and thus they must. I see the biggest concern for you here is that they have these rental properties and probably you will inherit. How is that going to be f...
by Shallowpockets
Tue Aug 09, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare career advice – Admin or NP?
Replies: 16
Views: 1702

Re: Healthcare career advice – Admin or NP?

OP states. >>>>>My current job is pretty great (6-figures in a HCOL area, relatively low stress, and a gravy schedule)<<<<<<<<< Having been an RN in the ER, now retired, for 25 years, the above statement sounds like some sort of nether nether land of nursing jobs. On all three points.
by Shallowpockets
Tue Aug 09, 2016 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: New to saving, how accessible is my money?
Replies: 18
Views: 1825

Re: New to saving, how accessible is my money?

$2000 for a trip to Germany is not a very feasible number. That will probably just cover airfare alone.

There are situations whereby you can withdraw from an IRA. Otherwise you will be paying the taxes on that money, PLUS a 10% penalty for early withdrawal.
by Shallowpockets
Tue Aug 09, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Should I get a different cassette for my road bicycle? Currently 11-23
Replies: 40
Views: 2402

Re: Should I get a different cassette for my road bicycle? Currently 11-23

Unless you have the tools to change out the cassette or one of the chain rings, why not go to a bike shop and ask them? They will know exactly what you mean and maybe need. You can refer to a particlular local hill that you ride that this other fellow passed you. They may change it out for free if y...
by Shallowpockets
Tue Aug 09, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities vs the market
Replies: 18
Views: 1864

Re: Annuities vs the market

Your post shows you to be on the road to a good financial retirement. You must have 1.6 mil if you are using half 800k for this annuity.
1.6 mil is a very good number to retire with for most people.
What are your expenses? That is the key.
Maybe this annuity is not even necessary.
by Shallowpockets
Tue Aug 09, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: When will a brokerage cancel buy orders?
Replies: 13
Views: 1278

Re: When will a brokerage cancel buy orders?

Why not call and ask your broker? Most orders are good for the day or good until cancelled. Your question makes me question your knowledge of buying stocks. You need to know things like this if you want to buy or sell stocks. It is basic. Personally I never let any order go for more than a day. You ...
by Shallowpockets
Mon Aug 08, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Solo Travel
Replies: 40
Views: 4370

Re: Solo Travel

Only three days. Best way to maximize your time is to get a transfer service so you go from airport to your place to stay. I have used USA Transfers several times. Round trip will be easy as compared to dealing with all the confusion and people wanting to help you. If you go with a transfer you will...
by Shallowpockets
Wed Aug 03, 2016 8:15 am
Forum: Personal Consumer Issues
Topic: Points/Miles Schemes - Waste of time or worth it?
Replies: 76
Views: 6698

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

1. 4 million miles, $1800 in cash back. 24 credit cards. Yikes! I would hate to keep track of those payments. The 1.4 million miles accumulated in 18 months. How does that work? Surely there is a lot of spending there on top of bonus miles. Maybe not manufactured, but spending nether the less. These...
by Shallowpockets
Wed Aug 03, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Struggling to pull the trigger...
Replies: 25
Views: 2822

Re: Struggling to pull the trigger...

You say you have 18k stashed away to put into your 401.
I believe that a 401 contribution has to come straight out of your pay. Not able to just take it from an outside account and put it into the 401.
by Shallowpockets
Tue Aug 02, 2016 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Living in various places 4 months out of the year.
Replies: 44
Views: 4337

Re: Living in various places 4 months out of the year.

SQRT wrote:I thought we might do this when we retired but decided to simply buy two more places instead.


Oh, OK, simply buy a couple places.

Someone else is still paying their housekeeper while they are gone.

Must be nice.
by Shallowpockets
Tue Aug 02, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 12594

Re: Suckered into Marriott Kauai Timeshare Presentation

Some posters here are real advocates of going to presentations for free stuff. They feel they are resistant to the sales pitch. They see it as easy payment for their free stuff. At what point would you not sit through 60-90 of sales pitches? This topic is for a week do free room. Would of sit for a ...
by Shallowpockets
Tue Aug 02, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: Suckered into Marriott Kauai Timeshare Presentation
Replies: 101
Views: 12594

Re: Suckered into Marriott Kauai Timeshare Presentation

I am curious.
How does one make themselves a Hawaii trip and then get offered this deal?
Did you receive this deal offer before you thought of going and have now engjneerd your trip based on staying there for free?
A mail offer? A phone call?
by Shallowpockets
Sat Jul 30, 2016 5:53 pm
Forum: Personal Consumer Issues
Topic: Looking to take first international trip
Replies: 43
Views: 2605

Re: Looking to take first international trip

Your question is made easy by the fact you have not been anywhere international. You sound like a curious couple so either that Rome or Paris you mention would be ideal. There will be many replies to this and you will get an earful of all sorts of places to go. You say you only have a week, so one c...
by Shallowpockets
Sat Jul 30, 2016 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: has anyone wished they worked one or two more years
Replies: 76
Views: 7505

Re: has anyone wished they worked one or two more years

NO. Nothing but a passing thought that fails real scrutiny. Like a nostalgic pause. But, when would someone decide that? It sounds like a response to financial regret. Bad planning. Surely not a BH. Nothing worse than overstaying your working days and being that old guy in the corner desk, or the ol...
by Shallowpockets
Sat Jul 30, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 57
Views: 5293

Re: Timeshares, again

Why would anyone ever take up their vacation time by going to a timeshare presentation just to get something for free. I spent a lot of time arranging my life so that retirement would be good. There is absolutely no reason for me to try and get a free meal, or tickets, or anything in exchange for si...

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