Search found 2257 matches

by hoops777
Fri Jul 13, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Sell ECA?
Replies: 2
Views: 151

Re: Sell ECA?

You know,the main reason I am not selling it after so much time is exactly that....as soon as I sell it I will see it at 20 in a few months :D
I think I am going to do it though and put it to rest.
by hoops777
Fri Jul 13, 2018 11:59 am
Forum: Investing - Theory, News & General
Topic: Sell ECA?
Replies: 2
Views: 151

Sell ECA?

I have one individual stock that I have held for about 5 or 6 years...ECA.The last year it has ranged from 8 to 14.It is currently at 13.25 and I am thinking of just ridding myself of it.It is in my HSA which I will not touch for at least 4 years until I turn 70.It is about 10,000 of my HSA total 32...
by hoops777
Mon Jul 09, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

Thanks everyone for the stats on this subject. It's funny, but if you read the comments on the many Yahoo Finance articles on Social Security (and other sites) , it seems like 99% of the people are vehemently in favor of taking it as early as possible (62). You almost never see a comment about wait...
by hoops777
Mon Jul 09, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

My underlying point is that this doesn't seem to be a 'husbands don't care about their wives' situation as put forward by someone else above. Both genders seem to be very often desirous to start benefits as soon as they can, females apparently more so than males. I don't think the claiming age deci...
by hoops777
Sun Jul 08, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

My wife is 68 and I am 66 and retired last year.After research and some help on this awesome forum,I determined it was optimal for us to have my wife start at 68 and myself claim spousal benefits at the same time,then my full at 70.
by hoops777
Fri Jul 06, 2018 9:15 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

Jane Bryant Quinn said all too often the man decides when he wants to take SS without any regard for the spouse. Talking to my (male) friends, I agree with Jane Quinn completely. Also, they calculate break-even and consider only the benefits paid to them while they are alive, not the benefits on th...
by hoops777
Fri Jul 06, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 4999

Re: How do normal people afford the Bay Area?

Yes all of us suffering in California should be pitied for developing the FIFTH largest economy in the world.It is just a different place in soooo many ways.I am retired,live in one of the nicest cities in the Bay Area,have a paid off home and never even sniffed a tech job.Believe it or not,there ar...
by hoops777
Fri Jul 06, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

Maybe it will be enough to offset the Medicare premium and out of pocket expenses being discussed on another thread. :? That's why I'm maxing out our family HSA and no longer withdrawing anything from it unless we absolutely have to. We're saving receipts for eligible expenses. We expect to have be...
by hoops777
Fri Jul 06, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 4999

Re: How do normal people afford the Bay Area?

I hope you all realize that the Bay Area is much more than SV and SF. There are many nice places you can buy for in the 800,000’s both single family homes or nice townhomes in good areas. If you want to live real close to SV or in the heart of SF,well then you are talking bigger bucks which is your ...
by hoops777
Fri Jul 06, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: How do normal people afford the Bay Area?
Replies: 48
Views: 4999

Re: How do normal people afford the Bay Area?

Anyone who thinks 200,000 is not enough income to live a nice life in the Bay Area is mistaken.Yes,you cannot live in the more expensive areas if you need a big place and have 4 kids,but people are getting a bit carried away with all the hyperbole,or they simply have expectations that are too high.
by hoops777
Thu Jul 05, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

So it's either 75% to everyone (even existing people) or something 100% to all people already on it, and 50% to all new retirees (which would make taking it at 62 for me even MORE imperative to get grandfathered in). I think it would be way worse than that if they tried to only hit new retirees. Wh...
by hoops777
Thu Jul 05, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10943

Re: SS taken at 62 vs. 70, but measured from 70+

The answer to the op would be simple if we know what the market would do from years 62 to 70 and then from 70 on to his 90’s. No one knows what the market will do or how long they will live.To me,deferring is a no brainer if you do not need the money and expect longevity. Weighing the 8 pct or so pe...
by hoops777
Tue Jun 26, 2018 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: CNBC: Social Security buying power has slipped by a third for retirees
Replies: 95
Views: 6858

Re: CNBC: Social Security buying power has slipped by a third for retirees

SS is and never was supposed to be a major source of income to pay for retirement. I encounter this idea sometimes and I don''t think it's very accurate. Social Security is designed to replace a substantial portion of the wages no longer received by retired lower earners. The portion of income that...
by hoops777
Tue Jun 26, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

I live in Lancaster and agree that you should avoid the touristy Amish sites. It's a poor display of the real Amish way of life. I would suggest you drive the country side and visit some of the smaller towns. Lititz is really great, I believe it was one of the top voted small towns a year ago. Lanc...
by hoops777
Tue Jun 26, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

I live in Lancaster and agree that you should avoid the touristy Amish sites. It's a poor display of the real Amish way of life. I would suggest you drive the country side and visit some of the smaller towns. Lititz is really great, I believe it was one of the top voted small towns a year ago. Lanc...
by hoops777
Tue Jun 26, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2102

Re: Reason for Airlines horrible ticket policy

I think most people just want to be treated fairly and within reason.If one has to cancel a flight a couple of months before the actual flight,there is is no good reason the airline cannot at a minimum,simply offer a full credit for a future flight without penalty.I do not understand how treating cu...
by hoops777
Tue Jun 26, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2102

Reason for Airlines horrible ticket policy

Why is it that almost all airlines have such horrible ticket policies.If you need to cancel a flight a couple months out why the penalties?SWA has very fair policies,why can’t other airlines?
by hoops777
Tue Jun 26, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Most of the recommendations have already been made. I usually through in some recommendations to catch a home Phillies :annoyed / Flyers / Sixers / Eagles :beer game, but the timing is wrong for all four teams. As for night life in Center City, check out South Street. Caution (really): Do not stray...
by hoops777
Mon Jun 25, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Thank you. I was not planning on spending time in Amish country,but just wanted to basically drive through.I hate tacky tourist crap. From Route 30 west of Exton make a right turn onto 10 ( Octorara Trail) CVS pharmacy on the corner to 340 (Old Philadelphia Pike) until the intersection of Route 30 ...
by hoops777
Mon Jun 25, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Thank you.
I was not planning on spending time in Amish country,but just wanted to basically drive through.I hate tacky tourist crap.
by hoops777
Sun Jun 24, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Longwood is nice if you live in the area, but don't bother with it as it's out of the way and will eat up an entire day when you can do much more by staying an extra day in Philadelphia. Morris Arboretum is much more accessible if you're into nice gardens/estates (and check out the beautiful neighb...
by hoops777
Thu Jun 21, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Philadelphia in the summer is definitely something you need to experience. Amazing food/restaurant scene, lots of beer gardens, Fairmount Park (favourite parts are Boathouse Row and Forbidden Drive in Wissahickon Creek...you can do an Indego bikeshare for cheap and see a lot of the park) is the cou...
by hoops777
Thu Jun 21, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Also late to the thread but this is what I would do... In Philly, make sure you do at least these things: - Liberty Bell - Independence Hall - Museum of the American Revolution - Reading Terminal Market (food!) - Art Museum or something else along the Ben Franklin Parkway. Eastern State Penitentiar...
by hoops777
Wed Jun 20, 2018 10:25 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

If you're coming to Lancaster PA you should realize that in addition to the county (as in Lancaster County), there's also Lancaster City. While it may be small relative to other major metropolitan areas, it's navigable, walkable, very diverse and has historical significance (it was the U.S. capital...
by hoops777
Wed Jun 20, 2018 10:23 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

If you're coming to Lancaster PA you should realize that in addition to the county (as in Lancaster County), there's also Lancaster City. While it may be small relative to other major metropolitan areas, it's navigable, walkable, very diverse and has historical significance (it was the U.S. capital...
by hoops777
Wed Jun 20, 2018 9:32 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

.....We are flying into Philly for sure. we will stay 2 or 3 nights.That leaves us 3 or 4 days until we drive into DC and return rental car.....So in those 3 or 4 days we would like to see Harpers Ferry,Gettysburg,Baltimore/Maryland,area and if possible a quick stop anywhere in Delaware to cross it...
by hoops777
Tue Jun 19, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

.....We are flying into Philly for sure. we will stay 2 or 3 nights.That leaves us 3 or 4 days until we drive into DC and return rental car.....So in those 3 or 4 days we would like to see Harpers Ferry,Gettysburg,Baltimore/Maryland,area and if possible a quick stop anywhere in Delaware to cross it...
by hoops777
Tue Jun 19, 2018 5:26 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Ok.Thanks for all of the great info to digest and sort.Based upon what I have learned here....... We are flying into Philly for sure. Since we get in late we will stay 2 or 3 nights.That leaves us 3 or 4 days until we drive into DC and return rental car.We are staying in DC 5 nights without a car. S...
by hoops777
Tue Jun 19, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Great ideas.
I think I want to check out Harpers Ferry now in addition to Philly and Baltimore.We are returning the rental car to DCA our first day in DC,so maybe we can see Harpers Ferry on the way in before we turn in the car.
by hoops777
Tue Jun 19, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Theres not much in PA...I wouldnt even put it on the list. I live in northeast PA...trust me. Philly is a wreck...pittsburgh is decent but too far away from DC...again, not much to see in pitt. Amish country is lame imo. You'll just want to focus almost all of your attention on DC. We used to live ...
by hoops777
Mon Jun 18, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Wow.Great suggestions.I have a lot of Marriot and Sheraton points so will look at that.
by hoops777
Mon Jun 18, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

You may also want to consider flying into Harrisburg, PA (MDT). MDT is a very low stress airport compared to PHL, IAD, or BWI. Not to mention fewer delays. HIA (MDT) is now served by Delta, United, and American, but yes, flight choices are limited. Frontier is starting service in July. http://www.f...
by hoops777
Mon Jun 18, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Re: Road trip Pennsylvania,Maryland,and DC

Ok,let’s skip Pittsburgh.I thought there might be a lot of stuff to see driving to Philly. We are adding a week to an already planned trip where we originally flew in to DC on Oct 2. We have never seen Maryand and the Philly area.I was also considering going to Delaware only because we are on a ques...
by hoops777
Mon Jun 18, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Road trip Pennsylvania,Maryland,and DC
Replies: 97
Views: 5130

Road trip Pennsylvania,Maryland,and DC

We are going on a trip September 26 and need to be in DC on Oct 2,leaving on Oct 7.So since the 26th will be lost because of flight time from Ca,we have the 27th to Oct.2 to see Pennsylvania and Maryland.I am debating between flying in to Pittsburgh or Philadelphia.We like driving through unique sma...
by hoops777
Mon Jun 11, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Boulder to Denver one day trip
Replies: 3
Views: 483

Re: Boulder to Denver one day trip

Thanks.It was not a problem.Was a little disappointed in downtown Denver though.Boulder was awesome.
by hoops777
Sun Jun 10, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Boulder to Denver one day trip
Replies: 3
Views: 483

Boulder to Denver one day trip

We are driving from Loveland to Boulder to downtown Denver and then to our airport hotel tomorrow. Leaving Loveland about 9 and going on 287 to 119 to Boulder.Leave Boulder about 1 and drive to Denver.Uncertain about what time to leave downtown Denver to our hotel which is in or close to Aurora,abou...
by hoops777
Tue Jun 05, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: CD interest
Replies: 18
Views: 2079

Re: CD interest

Thanks Kevin.I bought the 2 year from WF in a large amount.The 5 year is up to 3.3 but I am sticking with the 2 yr.I guess I will initially put the monthly interest in the 1.6 money fund unless you have a better idea.
by hoops777
Tue Jun 05, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5075

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

1. What do you do? For professionals there are probably more opportunities in Philly. The only SP500 company here is Freeport McMoran. In my situation I am a physician in private practice and Phoenix is less saturated and easier to practice here. Not to nitpick, and I don't live in AZ, but uh, this...
by hoops777
Tue Jun 05, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: CD interest
Replies: 18
Views: 2079

Re: CD interest

Ok.Thanks.
by hoops777
Tue Jun 05, 2018 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: CD interest
Replies: 18
Views: 2079

CD interest

Is it better to buy a brokered CD that pays monthly or semi-annually if you are not spending the interest?If it pays monthly you have to reinvest in something.
Schwab has their money fund paying 1.6.
Wells Fargo has a 2 year paying 2.8 monthly.Another Bank has one also paying 2.8 semi-annually.
by hoops777
Mon Jun 04, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5075

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

...I wouldn't call the summers here brutal. If you live here you get used to it. My parents typically do not leave their house between 9 and 5 during the summer months unless they have to. This has been the case for pretty much as long as they have been there. So not everyone “gets used to it” as y...
by hoops777
Sun Jun 03, 2018 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5075

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

I moved from the heat and humidity of New Orleans to the dry heat of Phoenix over 22 years ago. If I had it to do all over, I'd do it again in a heartbeat. Here's the difference: With heat and humidity, you drip from perspiration all summer. Heat/humidity is an energy drainer. Dry heat combined wit...
by hoops777
Sun Jun 03, 2018 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5075

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

Maybe your wife could accept the job there and try living there for a few months,while you stay in Philly.You can fly there a few times,maybe use up all your vacation time for a longer stay.She can rent very cheaply.Worst case, she decides to go back to Philly and finds another job and you keep the ...
by hoops777
Sun Jun 03, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Job (Philly) and move To Arizon (Phoenix)?
Replies: 67
Views: 5075

Re: Leave Job (Philly) and move To Arizon (Phoenix)?

We moved from the Bay Area to Phoenix area in 2003 and stayed 3 years.We liked it and found the summer heat very tolerable.You have arguably the best weather in the country for the other 8 months.I would have no problem moving back there.Most of it comes down to how you deal with the summer heat.We ...
by hoops777
Sun Jun 03, 2018 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5156

Re: 125K Spend - Would you do this ?

[quote=ResearchMed Or... look for a very high end sofa, one that is very deep (I'm referring to the distance from front edge to back support). You'd want some extra pillows/cushions when it's used for sitting, or it wouldn't be comfortable. This can be almost like a twin bed. We have a corduroy sof...
by hoops777
Sat Jun 02, 2018 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 125K Spend - Would you do this ?
Replies: 53
Views: 5156

Re: 125K Spend - Would you do this ?

You can fit 2 twin beds in your bedroom easily and just put them next to each other like one larger bed.Pretty simple solution.They also make adjustable beds that go side by side if you need that.Your movements will not disturb your wife in either case.
by hoops777
Wed May 30, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 852

Re: Thinking past results are reliable

Because there was a ref who was tied to gambling does not make the sport corrupt and controlled by evil villains.Do you honestly think professional athletes who put in an unbelievable amount of work to become the best in the world and are already making vast sums of money are throwing games?Do you ...
by hoops777
Wed May 30, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 852

Re: Thinking past results are reliable

That or the NBA puppet masters want another Golden State vs. Lebron matchup. Don't underestimate how rigged the "game" is. No no no.Please do not tell me that you think that is even possible.Were they pulling strings on their arms when they were shooting the ball :D I think they were tired and star...
by hoops777
Tue May 29, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 852

Re: Thinking past results are reliable

That or the NBA puppet masters want another Golden State vs. Lebron matchup. Don't underestimate how rigged the "game" is. No no no.Please do not tell me that you think that is even possible.Were they pulling strings on their arms when they were shooting the ball :D I think they were tired and star...
by hoops777
Tue May 29, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Thinking past results are reliable
Replies: 10
Views: 852

Thinking past results are reliable

You just never really know..I was reminded of that last night watching game 7 of the NBA Western Conf finals.Houston,on their home court missed 27 consecutive 3 point shots and lost to the Warriors.I cannot even fathom the probability of that happening.A good lesson in thinking something could never...