Search found 336 matches

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: 15008

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: 1389

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: 1389

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: 1389

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: 3009

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: 2476

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: 1086

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: 3009

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: 839

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: 2487

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: 3793

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: 3793

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: 25263

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: 13377

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: 13377

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: 13377

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: 2522

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: 2398

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: 2398

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: 8488

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: 844

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: 2041

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: 1276

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: 31853

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: 8688

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: 4392

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...
by invst65
Fri Aug 18, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1721

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny... With all due respect, you may choose to reserve the term "loss" for a realized loss but that does not mean everyone else will be using it likewise. OP asked about "how much your portfolio lost/gai...
by invst65
Fri Aug 18, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1721

Re: How do you know how much your portfolio lost/gain in one day?

Youngblood wrote:
Fri Aug 18, 2017 3:04 pm
invst65 wrote:
Fri Aug 18, 2017 2:49 pm
With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is.
Unless whatever they sold keeps going down by a lot more.
Sorry, that doesn't compute. Think about it.
by invst65
Fri Aug 18, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8688

Re: Little P**S Ants

Thanks for all the good information. It is the rainy season here in Florida and as someone suggested that might have something to do with it but I've never had this problem before. The little grey ants really like the TERRO ant killer and it's amazing to watch hundreds of them all line up in a circl...
by invst65
Fri Aug 18, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1721

Re: How do you know how much your portfolio lost/gain in one day?

With all due respect, nobody that said they lost 7K, 13K or whatever yesterday, lost a single penny. Unless they actually made a stupid decision to lock in the losses, that is. Reminds me of my Dad who was a WWII vet and learned everything he knew about the stock market from the crash of 29. Every t...
by invst65
Thu Aug 17, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8688

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 we...
by invst65
Sun Aug 13, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Tub/shower/bath cleaners...your recommended products?
Replies: 19
Views: 1890

Re: Tub/shower/bath cleaners...your recommended products?

In Florida, the bigger problem is mildew. After trying many things I've found that a foaming Clorox spray used about once a week eliminates it, even from the shower curtain. Don't even have to scrub.
by invst65
Fri Aug 11, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4694

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

If I'm understanding this right (and I'm probably not since I'm an idiot and someone can correct me - wouldn't be the first time), your RMD is fixed at the end of the year based on the value of your portfolio and the distribution tables. So if the value of your IRA will continue to grow through the ...
by invst65
Fri Aug 11, 2017 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to not obsess over investments?
Replies: 46
Views: 4226

Re: How to not obsess over investments?

Do any of you have any methods you've used that helped you get away from checking and obsessing over this, or is it just something you have to discipline yourself to not do? I always found that the best cure for looking constantly was a good, old-fashioned, total blood bath, market crash. When you ...
by invst65
Fri Aug 11, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 35
Views: 4237

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

I've never changed plans during market downturns or rumors of downturns or any extreme event. I've always thought that was probably one of the worse mistakes you can make. Like making major decisions after the death of a spouse. After the dust has settled following a recovery I do ask myself if I ha...
by invst65
Thu Aug 10, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1994

Re: Best at Home Safe

Perhaps a decoy safe is worthwhile .... You know, a real safe with nothing in it, except maybe some cheap bricks or paving stones. I second that suggestion. I don't have one yet but I'm considering it. I mean, if a thief breaks into your home while you are away and sees a safe and can pick it up an...
by invst65
Thu Aug 10, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1994

Re: Best at Home Safe

Perhaps a decoy safe is worthwhile .... You know, a real safe with nothing in it, except maybe some cheap bricks or paving stones. I second that suggestion. I don't have one yet but I'm considering it. I mean, if a thief breaks into your home while you are away and sees a safe and can pick it up an...
by invst65
Thu Aug 10, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 3120

Re: Buy EZ Pass transponder for road trip?

...I believe there is a federal law mandating that all of the states accept each other's electronic passes and as far as I know Florida is in compliance but it's really a pain in the a** when others aren't. As mentioned in an earlier post in this thread, states seem to be ignoring that mandate sinc...
by invst65
Thu Aug 10, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3265

Re: Planning for my Wife - Introductory Post & First Question

My wife pays no attention to finances and I've never been able to interest her very much. So, I keep enough money in the checking account and set up automatic billpay on all the bills I can (everything but property tax and homeowner's insurance basically), so she has at least 3 months to figure it a...
by invst65
Thu Aug 10, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 3120

Re: Buy EZ Pass transponder for road trip?

Pennsylvania is slowly starting to roll over to the system as well. The 376 toll road no longer takes cash, at least at the northern entry, and that will begin to be the case across the state. Get the ez pass and keep it simple. After following my GPS to the Pennsylvania turnpike I was shocked to d...
by invst65
Thu Aug 10, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 6939

Re: What Percentage CASH are you?

20% using Golden Butterfly portfolio, a variant of the Permanent Portfolio which calls for 25%. Since I'm retired one year and waiting a couple of years to maximize SS I feel very comfortable having that amount in cash. Wish it was earning more but if it was, my long bonds would probably be worth le...
by invst65
Mon Aug 07, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Acadia National Park: Bar Harbor, Maine
Replies: 28
Views: 2630

Re: Acadia National Park: Bar Harbor, Maine

As the internet will show you, you can get better rates the farther you stay from downtown Bar Harbor. So you think, okay, I can just drive a few miles into town and save a lot of money. If you're like me and my wife you'll decide that was a big mistake after the first night. The hotels on the outsk...
by invst65
Mon Aug 07, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Question on 3-4% drawdown for retirement
Replies: 47
Views: 3212

Re: Question on 3-4% drawdown for retirement

Correct me if I'm wrong but it sounds to me like you are discounting growth in assets beyond dividends. If the stock market goes up 20% one year but the dividends are still only 2% does that mean you only get the 2% dividend? Or do you have a strategy in place to capture the growth?
by invst65
Wed Aug 02, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 276
Views: 25839

Re: How much money do you need to retire?

Need or Want? Retired last year at age 67 with $1M but younger wife still working. It's meeting our needs just fine even while I'm delaying SS until 70. But it would have been nice to have about another $.5 M just to be able to do more fun things. Could probably do those things any way but I wouldn'...
by invst65
Tue Jul 25, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 19267

Re: How are folks handling the unprecedented rise in the market ?

I use the permanent portfolio so I don't give much thought to whether any of the assets (stocks,bonds,gold,cash) are overvalued. Except for cash, I've seen that happen to all of them from time to time. If I'm overweight in stocks at re-balance time I'll be selling some off and buying the other assets.
by invst65
Thu Jul 20, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra Benefits question
Replies: 6
Views: 565

Re: Cobra Benefits question

"Under COBRA, if you voluntarily resign from a job or are terminated for any reason other than "gross misconduct" you are guaranteed the right to continue your former employer's group plan as individual or family health care coverage for up to 18 months, at your own expense." http://www.cobrainsura...
by invst65
Thu Jul 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 13210

Re: Books not to read.

I wouldn't include Millionaire Next Door on a "not to read" list but I do think it's overrated. I found it to be the kind of book where the point of the story could actually be made in a couple of pages or so, but the author has to fill a whole book with something so you get lots of anecdotes sayin...
by invst65
Fri Jul 14, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 900

Re: Work Discount Stock Purchase Plan - When to Sell

I think this depends on your overall portfolio. If it's just a small portion of your stock allocation and the company is in good shape, then I see nothing wrong with holding it. I used to hold at least some of mine for a year so I could get the lower capital gains rate. If it's a big chunk of money ...
by invst65
Fri Jul 14, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5459

Re: When to max out 401k (Aspiring Early Retiree)

amd7239 wrote:My goal is to retire at 50.

I am almost 27 years old ..... I live with my parents ....

Can I make my goal?
Let me put it this way .... If you were a stock you might be attractive to short-sellers.
by invst65
Fri Jul 14, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 7563

Re: Shopping for first bike since I was a kid

Make sure you are able to take it for a test ride. Which means don't buy it a store like Dick's Sporting Goods. Their policy is once it goes out the door you can't take it back. I put that policy to the test after buying a Schwinn for my wife that looked good and felt good to sit on but as soon as s...