Search found 360 matches

by invst65
Wed Jan 10, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Computers Suck
Replies: 18
Views: 1355

Computers Suck

I would like to offer a suggestion to any younger computer folks with an entrepreneurial spirit who might be listening. I have this hunch that there might be an untapped market among elderly retirees who feel they were left out of the computer/internet age and would like to join it in their golden y...
by invst65
Sun Jan 07, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Another - Starting Social Security Question
Replies: 30
Views: 1882

Re: Another - Starting Social Security Question

My own situation seems to be about as much of a no-brainer as it gets. I'm 68 1/2 and retired but I'm married to a woman 17 years younger who is still working. Her SS will be based on mine no matter how long she works. Furthermore, her income alone provides us with a positive cash flow so I don't ha...
by invst65
Sun Jan 07, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: "Sharing" Internet/WiFi with neighbors?
Replies: 38
Views: 2289

Re: "Sharing" Internet/WiFi with neighbors?

In the early days of home WiFi it was actually very common to be able to connect to somebody else's service. A lot of times there was no password at all and when there was it was often the word "password" because whoever set it up didn't bother to change it from what came out of the router box (and ...
by invst65
Sat Jan 06, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Million Dollar Refi Q
Replies: 12
Views: 1391

Re: Million Dollar Refi Q

Single Income family. $385k total comp, usually rising 15% per year, at least for next 3-5 years. Just wondering what field you work in that that you can "usually" expect a 15% yearly increase? I don't remember ever getting an increase that big and for a long time I was getting bigger than most. As...
by invst65
Sat Jan 06, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Intel might take a hit
Replies: 38
Views: 3901

Re: Intel might take a hit

For the more conspiratorially minded I remember reading in that article that all of those Intel chips are going to have to be replaced. That's not an easy thing to do and in a lot of cases probably impossible so a lot of people may have to go out and buy a new device to overcome the security flaw - ...
by invst65
Thu Jan 04, 2018 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Pay extra on Mortgage or save for car? Need Advice, Please!!
Replies: 29
Views: 1226

Re: Pay extra on Mortgage or save for car? Need Advice, Please!!

Good morning! I am planning to purchase a new car around Sep 2018. My current plan is to only finance $5k and pay the rest in cash. In order to do that (and leave 6 months of expenses in savings) I will need to have about $30k in savings. Currently I have $20k. My question is, should I quit paying ...
by invst65
Thu Jan 04, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Ready for shellacking
Replies: 8
Views: 1643

Re: Ready for shellacking

I don't think anybody is going to "shellack" you. Most of the folks here have made plenty of mistakes of their own which is how they learned along the way. My own portfolio choice gets "shellacked" from time to time but I've learned to just take it in stride and move on. It's a modified version of H...
by invst65
Thu Jan 04, 2018 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 4705

Re: Two-comma club just in time for the New Year, and thank you

Congrats. We hit the 6 comma club at the end of last year which corresponded almost exactly with when I got my last severance paycheck after being laid off of my job. 6 commas? You must be the richest man in the history of the world. Lol. Btw, I went to see ‘All the Money in the World’ this weekend...
by invst65
Wed Jan 03, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 4705

Re: Two-comma club just in time for the New Year, and thank you

Congrats. We hit the 6 comma club at the end of last year which corresponded almost exactly with when I got my last severance paycheck after being laid off of my job. 6 commas? You must be the richest man in the history of the world. Lol. Btw, I went to see ‘All the Money in the World’ this weekend...
by invst65
Tue Jan 02, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Two-comma club just in time for the New Year, and thank you
Replies: 47
Views: 4705

Re: Two-comma club just in time for the New Year, and thank you

Congrats. We hit the 6 comma club at the end of last year which corresponded almost exactly with when I got my last severance paycheck after being laid off of my job. Decided to retire since I was 67 and now 68. At my age 1 million ain't what it used to be but I have a younger wife who is still work...
by invst65
Fri Dec 29, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 5853

Re: Retirement decision help!

I took a lump sum payout when my company's retirement plan was discontinued about 9 years ago. For most people in the plan there was no choice but due to special circumstances I had the option of staying with the plan and collecting a monthly payment of $850 starting at age 65 with no COLA. The lum...
by invst65
Fri Dec 29, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement decision help!
Replies: 68
Views: 5853

Re: Retirement decision help!

I took a lump sum payout when my company's retirement plan was discontinued about 9 years ago. For most people in the plan there was no choice but due to special circumstances I had the option of staying with the plan and collecting a monthly payment of $850 starting at age 65 with no COLA. The lump...
by invst65
Thu Dec 28, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Is anyone putting money aside into Gold?
Replies: 107
Views: 8185

Re: Is anyone putting money aside into Gold?

I use the Golden Butterfly portfolio which is a variant of the Permanent Portfolio. It calls for 20% of holdings in gold. I have both bullion coins and ETF's. Last I checked gold was the winner of all the 20% equal asset classes for the year (cash, LTT, SCV, Large Blend Stocks, and gold). Admittedly...
by invst65
Thu Dec 21, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Just downsized at age 60...input appreciated
Replies: 56
Views: 5043

Re: Just downsized at age 60...input appreciated

One day I talked to one of the Fidelity advisers who tried to sell me on active management. I think their fee at the time was actually 2%. So I asked him what would be the difference between your active management as opposed to if I just bought one of your target date retirement funds? His answer wa...
by invst65
Tue Dec 19, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 87
Views: 6751

Re: Paul Merriman and Small Cap Value

I use the Golden Butterfly portfolio so 20% is SCV. Our Roth IRA's are 100% SCV at this point and I'm pretty happy with it as a long term bet so far.
by invst65
Tue Dec 19, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Memories over money
Replies: 40
Views: 2781

Re: Memories over money

Our Disney trip last year was close to $5000. That $5000 could probably have grown to $25,000 in 10 years. What?!?!?!? If you grow your money 5x every 10 years I don't think you need to worry about spending. prob·a·ble adjective: probable 1. likely to be the case or to happen. My VTI holdings more ...
by invst65
Mon Dec 18, 2017 12:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 307
Views: 42840

Re: Roll Call for the Retirement Class of 2017!

I was involuntarily retired late in 2016 but got paid through the end of the year so financially speaking I consider myself a member of the class of 2017. First year of full retirement started well. Bought myself a little fishing boat and even though I never caught a fish I had a lot of fun. Then I ...
by invst65
Sat Dec 16, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on 401(k)withdrawl
Replies: 12
Views: 1139

Re: Taxes on 401(k)withdrawl

Here is just one of the free tax calculators you can use to figure it out.... https://www.hrblock.com/tax-calculator/#/en/te/aboutYou Just input your information and it will tell you what your tax will be, at least in 2017. So divide by 12 and subtract from 7000 - that's assuming you intend to pay y...
by invst65
Sat Dec 16, 2017 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on 401(k)withdrawl
Replies: 12
Views: 1139

Re: Taxes on 401(k)withdrawl

Can we assume you are at least 59 1/2 years old? If not, you can start by reducing the amount by $700/month to pay the 10% penalty. Beside that, I don't think anybody can answer your question because there is not enough information. Would need to know what other income you have as that will determin...
by invst65
Sat Dec 16, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 103
Views: 9451

Re: Terrible negotiator - need help with words to use [Buying a car]

I have no problem walking away from a deal but I usually end up walking away mad and vowing not to return because I get sick and tired of all the games. For this reason I prefer auto dealers with a no-haggle policy. The worse experience I ever had was the time I went with my wife to look at a new ca...
by invst65
Fri Dec 15, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: New Honda CRV is MotorTrend's SUV of the year
Replies: 87
Views: 8199

Re: New Honda CRV is MotorTrend's SUV of the year

This is bad news because I was planning on buying a CRV next year. Something tells me it just got more expensive.
by invst65
Wed Dec 13, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 155
Views: 10481

Re: How much did you contribute to your 401k in 2017?

Me - age 68 $0 (retired)
Wife age 51 $24k (max)
by invst65
Tue Dec 12, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Equifax trusted alert - updated trade-line
Replies: 2
Views: 473

Re: Equifax trusted alert - updated trade-line

I've gotten two of those since I signed up for the service. Both times it was just reporting the new balance on my credit card. This is something that happens routinely every month when your bank reports the new balance. The first alert I received was in October, the second in December. So what happ...
by invst65
Sun Dec 10, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase
Replies: 3
Views: 445

Re: Home Purchase

I would get my own agent. Here's an example why from my last home purchase... The seller incorrectly stated the amount of property tax by leaving out a local bond assessment in the amount of $600/year. After signing the contract, my agent caught this, brought it to the seller's attention, and negoti...
by invst65
Mon Oct 30, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16369

Re: What was the main reason you retired?

#6 (forced)but hit #1 (hit number) before severance pay ran out. So no regrets
by invst65
Sat Oct 21, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1482

Re: Visiting the Great Barrier Reef

I formed an opinion purely from 2-3 chance encounters with South Africans doing that sort of unplanned thing in England that this is a national personality thing -- but that's probably because it is so different from my professional experience of South Africans that it sticks in my mind (overgenera...
by invst65
Fri Oct 20, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1482

Re: Visiting the Great Barrier Reef

The distance from Sydney to Cairns is 1500 miles. Imagine if you lived in Houston, TX and had visitors come in to town. You make a decision everyone should drive 1400 miles to Washington... Living in Florida I likened it myself to driving all the way from Maine to visit Disney World, then driving a...
by invst65
Thu Oct 19, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Visiting the Great Barrier Reef
Replies: 20
Views: 1482

Visiting the Great Barrier Reef

Just returned from a trip to Australia which included a trip to Cairns to see the Great Barrier Reef. Considered one of the natural wonders of the world, it is always listed as a "must-see" when visiting Australia and was probably the thing I was most looking forward to. So I offer the following obs...
by invst65
Mon Oct 16, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 3305

Re: Why would anyone buy long term bonds?

When interest rates are high and you expect them to decrease. When I first started working in 1987, my checking account was yielding 9%. That was a good time to buy long bonds...or stocks. Some time in the 70's, I think it was, long bonds were yielding around 14%. According to a financial seminar I...
by invst65
Mon Oct 16, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security payouts vs. "estimated benefits" online
Replies: 40
Views: 2739

Re: Social Security payouts vs. "estimated benefits" online

I've got a little over 20 years of sequential high earning years in my Social Security record. I probably had no more than 20 years reaching the maximum earnings during my career (retired last year at 67) but I'm still close to the maximum SS benefit. Not sure how it works and don't really care to ...
by invst65
Mon Oct 16, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 1200

Re: Where to notarize legal zoom documents? Trouble getting witnesses

I always go to Amscot down the road when I need a notary. I think it costs $10.
by invst65
Fri Oct 13, 2017 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds Now?
Replies: 33
Views: 3305

Re: Why would anyone buy long term bonds?

According to the permanent portfolio strategy, as espoused by Harry Browne, long bonds are to provide protection during times of deflation. Personally, about 20% of my portfolio is long bonds and I've seen this work - most recently during the 2006-8 meltdown. One year I think they were up something ...
by invst65
Fri Oct 13, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Social Security Taxable Maximum: $128,700
Replies: 1
Views: 869

Re: 2018 Social Security Taxable Maximum: $128,700

So how much is the income limit before SS benefits become taxable going to increase?

Just kidding.
by invst65
Thu Oct 12, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2721

Re: Going First Class

I only envy first class passengers when it's a very long flight - like the 18 hour flight I took from JFK to Hong Kong a few years ago. About halfway through a flight like that I begin to envy those people who can lay down and sleep through it. Don't really care about the other perks but being able ...
by invst65
Thu Oct 12, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4108

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Thinking a good plan would be to island hop mid-afternoon and get to Oahu mid afternoon or for dinner, rent a car and then spend 1 day checking out Pearl Harbor historical stuff (we both really want to see this) You have to go out on a boat to visit the U.S.S. Arizona memorial and tickets for the d...
by invst65
Thu Oct 12, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 53
Views: 4108

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

Just returned from 6 days in Hawaii. Still getting over jet lag. Was originally just supposed to be a stopover on the way back from Australia but we got bummed out there and left early. Spent 4 days on the Big Island with 3 in Hilo and 1 in Kuna. Hilo was great. Spent 3 days exploring the Volcano an...
by invst65
Fri Sep 08, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 26933

Re: Name something you had to have and now you regret purchasing it?

This is an easy one for me right now. My round trip airfare from Tampa->Hawaii->Australia set to leave in 8 days on Sat. Sept 16. Don't know if the Tampa airport will even be open once Irma passes through.
by invst65
Wed Sep 06, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 14244

Re: Florida Hurricanes: When and where to go?

One thing I'm pretty sure of is that I wouldn't have evacuated right into the eye of the hurricane and lost my RV like I did in 2004 with Charley if I had what I have today. That would be an android cell phone with weather tracking apps (assuming those are going to keep working). The problem with ev...
by invst65
Wed Sep 06, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 14244

Re: Florida Hurricanes: When and where to go?

Oh, and gas stations in Central Florida are running out of gas. Same here in Pinellas county (Tampa Bay) on the west coast. I'm retired and my wife works so I don't keep a close eye on the gas situation in our two cars. Thought one was full not realizing my wife had been driving it to work. When I ...
by invst65
Wed Sep 06, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 14244

Re: Florida Hurricanes: When and where to go?

In terms of evacuation, only evacuate if you are in the highest risk areas (right on the coast, mobile home etc.). Trying to guess even 3 days out exactly where a hurricane will hit is almost impossible. In other words, you could end up evacuating into more danger. Like evacuating from Tampa to Orl...
by invst65
Wed Sep 06, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Wine in laptop
Replies: 33
Views: 2713

Re: Wine in laptop

aristotelian wrote:
Tue Sep 05, 2017 11:20 pm
Don't drink and type.
Say what? I write my best forum posts doing that.
by invst65
Mon Sep 04, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2534

Re: How long do cars last these days (electronics)

So all of you who are kindly replying with the longevity of your very old cars are, like me, happy that they have lasted so long. My question, though, is, when I buy a new car, will the crazy electronics like backup cameras, weird dash displays, automated mirrors, etc, mostly unwanted but not optio...
by invst65
Mon Sep 04, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: How long do cars last these days (electronics)
Replies: 32
Views: 2534

Re: How long do cars last these days (electronics)

I'm driving cars that are 11 and 12 years old and I'm amazed at how well modern cars hold up with only routine maintenance and fairly minor repairs. I never even had a warranty repair on either one of them. They don't have a lot of electronic gadgetry like my stepsons's car and he did have to have s...
by invst65
Wed Aug 30, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8961

Re: Relative angry I will not co-sign

I co-signed a car loan for my stepson because it was the only way he was going to be able to get the car and he had proven to be a responsible kid. The loan was paid off earlier this year and he never missed a payment. I would never do the same thing for any of my own kids however, sad to say. One t...
by invst65
Wed Aug 30, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Preparing for RMD
Replies: 9
Views: 905

Re: Preparing for RMD

Interesting question because I have to start in 2019. For those who said you have the distribution taken evenly from existing funds, does the broker do this automatically for you or do you have to liquidate the assets yourself (I'm with Fidelity). Hard to see how this would work for me because I hav...
by invst65
Sun Aug 27, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: mold problem in bathroom --advice?
Replies: 18
Views: 2185

Re: mold problem in bathroom --advice?

Tilex never worked for me at all. Finally went to foaming Clorox and it has worked wonders. Like you said with Tilex, just spray it on, wait a while, and rinse it off.
by invst65
Sun Aug 27, 2017 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Move Fidelity ROTH to Vanguard?
Replies: 15
Views: 1369

Re: Move Fidelity ROTH to Vanguard?

I moved both of our ROTH accounts from Fidelity to Vanguard. I did it for two reasons. 1.) It cost $75 to buy the Vanguard funds I wanted to invest in from Fidelity. 2.) Institutional Diversity - don't like having all my eggs in one basket.
by invst65
Thu Aug 24, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 32501

Re: What to do when a parent's money runs out?

Could be close to this situation myself with my mother being 97 and in an assisted living facility. Went through the same thing with my Dad a few years ago before he died with an alarming amount of money being drained in the last couple of years of life just to try to stretch it out as long as possi...
by invst65
Thu Aug 24, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8954

Re: Little P**S Ants

I live in Florida and I'm having a problem with these little tiny P**S ants all over the place. Sitting here in front of my computer they are running all over my desk and even up onto my keyboard and monitor as I type. I put down terro ant killer and that got rid of them for a while but then they w...
by invst65
Thu Aug 24, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4680

Re: Experience finding gas pump card skimmer?

Got hit with several thousand dollars worth of gas charges on my American Express card a couple of years ago. The only hint I got that it was happening was when I got declined for a legitimate purchase and called to find out why. So we had to to go through about a hundred transactions at gas station...