Search found 115 matches

by sil2017
Mon Sep 11, 2017 5:51 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 500

Re: MC,VISA or AMEX for paying British Pounds

Copy and paste from the booking site: I have 2 choices- 1. Debit card or credit card A booking fee of 3% will be added if paying by debit card or credit card. Please note that payment will be taken via PayPal but you do not need an account. 2. PayPal Please note: (1) a booking fee of 3% will be adde...
by sil2017
Mon Sep 11, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 500

Re: MC,VISA or AMEX for paying British Pounds

Sorry I'm not clear . I have read that even if you pay GBP with a no foreign transaction caredit card you still have to pay the currency conversion fee . Visa, MC and AMEX charges a different rate. Which has the better? As far as the 3 per cent fee , I have to pay this to the tour company as I am us...
by sil2017
Mon Sep 11, 2017 3:25 pm
Forum: Investing - Theory, News & General
Topic: MC,VISA or AMEX for paying British Pounds
Replies: 7
Views: 500

MC,VISA or AMEX for paying British Pounds

I need to pay the balance of my trip to a tour operator in UK. I have to go through PayPal to do so and will already be charged a 3% fee to use my credit card. I will be paying my tour in British Pounds. I have the AMEX Starwood Preferred Guest Business card, Chase Sapphire Preferred Visa, Citi Adva...
by sil2017
Thu Aug 31, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1203

Re: Which free software for new (late 2015) iMac

Thanks for reminding me .
this particular pop up wouldn't let me close. would it be best to have click on "force quit"
by sil2017
Thu Aug 31, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1203

Re: Which free software for new (late 2015) iMac

thank you. when I downloaded google chrome, I received a message saying that I was at a porno website (or something like that) and to call a phone number which I did. I think they were selling something so I hung up. thus the concern about anti virus. I removed the google chrome "alias" under downlo...
by sil2017
Thu Aug 31, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: Which free software for new (late 2015) iMac
Replies: 23
Views: 1203

Which free software for new (late 2015) iMac

Bought a new iMac . Talked to Apple support and told I don't need antivirus . However when I checked cnet.com For free download software there are antivirus for iMac. Do I need it ? If so , which is best? Also I think I need adobe flash player. What are the 'must' free download from cnet.com, the on...
by sil2017
Mon Aug 28, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 83
Views: 7724

Re: T-Mobile promotion for 55+

I use my desk top for at least 4 to 6 hours a day . Would 10 GB be enough? I don't use my iPhone for data much unless I'm in the road.
by sil2017
Mon Aug 28, 2017 7:19 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 83
Views: 7724

Re: T-Mobile promotion for 55+

Thanks . Switched to this plan . Wondering if I still need to pay $42 to timewarner for internet connection with my new 27 inch iMac late 2015 model. I heard about tethering . Should this work with my T-Mobile plan and iMac ? If so and I can save$42 per month, how do I tether?

Tia
by sil2017
Wed Aug 23, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 984

Re: 3% credit card fee vs wiring from B of A

this is a copy and paste from the booking and payment page Debit card or credit card A booking fee of 3% will be added if paying by debit card or credit card. Please note that payment will be taken via PayPal but you do not need an account. PayPal Please note: (1) a booking fee of 3% will be added i...
by sil2017
Wed Aug 23, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 984

Re: 3% credit card fee vs wiring from B of A

yes i will be charged with the 3 % convenience fee. I have to go through pay pal to pay for this. Is paypal going to charge me as well?
by sil2017
Wed Aug 23, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 984

Re: 3% credit card fee vs wiring from B of A

Ugggh....I have a freeze on all my credit reports . Doesn't the bank have to access the credit report?
by sil2017
Wed Aug 23, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: 3% credit card fee vs wiring from B of A
Replies: 18
Views: 984

3% credit card fee vs wiring from B of A

I am going to book a tour. I need to pay 660 GBP for a deposit and than within 60 days of tour by mid November 2017, the remaining balance Total fee is 3200 GBP. I can pay by visa or MC for 3 % fee or else wiring money. What is the best choice? Is it better to use Chase Sapphire Preferred, Citi Sele...
by sil2017
Mon Aug 21, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: best strategies for income now retired for 2 months
Replies: 5
Views: 1265

Re: best strategies for income now retired for 2 months

I read alot about living off dividends so figured I should have money in a taxable account. Not sure if it will be a seller's market next year. Yes, my pension should cover my basic needs but I am an avid traveler. Thanks all for your time , advice , and expertise. I didn't know that 403B is shelter...
by sil2017
Sun Aug 20, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher 403(b) signup - any tips?
Replies: 17
Views: 1544

Re: Teacher 403(b) signup - any tips?

She will need to fill out forms for the district so it can transfer funds to the 403b company. But first it is best to call Tiaa and Fidelity to inquire about funds and fill out forms to open an account . Don't bother with Voya as she has to pay a fee. Stay away from the insurance company. Ask her t...
by sil2017
Sun Aug 20, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: best strategies for income now retired for 2 months
Replies: 5
Views: 1265

best strategies for income now retired for 2 months

I've made it to retirement in June 2017 and now have been reading tons of information on tax free on all qualified dividends if 15% tax bracket or less. First of, will I qualify with a pension plan for a total of $62, 275 annual payment? I have deductibles from my mortgage, property tax, medical etc...
by sil2017
Fri Aug 18, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8352

Re: Little P**S Ants

Mix boric acid (powder) with honey. Set gobs on slips of wax paper where ants frequent or put into bottlecaps from the 6-pak of Pabst you just finished. My sister has problems with carpenter ants both outside and inside the house. She had tried the boric acid with honey. It doesn't work. Has anyone...
by sil2017
Fri Aug 18, 2017 9:01 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14665

Re: Bogleheads Los Angeles meetings

thanks for the information.

Metro seems the best.
by sil2017
Fri Aug 18, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 494

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

Obsolete depends on your usage -- not just the tech itself or its age. If you don't know what a port is then it will probably be irrelevant to you. If you want feedback you need to give us some idea of what you intend to connect and how long you intend to keep the machine. There are some who are do...
by sil2017
Fri Aug 18, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 874

Re: which 27 inch imac to purchase?

I used my AMEX card for the extended warranty so it will be two years. So if something goes wrong in 2nd year, am I covered with apple care? It seems like I can always buy apple care during my first year of owning my new computer? Is this correct? Will it be the same price? Can I go through Apple st...
by sil2017
Fri Aug 18, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 494

Re: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

Thanks for the information. Thought I had to change the order before delivery.
by sil2017
Fri Aug 18, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A
Replies: 10
Views: 494

Ports-thunderbolt 2 vs 3, USB 3.0 vs 3.0 Type A

I asked for advice on buying a new IMAC 27 inch computer yesterday. Thanks everyone for your suggestions. I bought the 2015 late model for $1399 (regular $1799) at BH photo online and am now wondering if the ports will be obsolete soon. The 2015 has the Thunderbolt 2 ( what the heck does this mean?)...
by sil2017
Fri Aug 18, 2017 6:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Los Angeles meetings
Replies: 145
Views: 14665

Re: Bogleheads Los Angeles meetings

I am interested in attending the Los Angeles meeting this Sunday, August 20th at 9 AM . What is the address and how long is the meeting? This will be my first boglehead meeting.
by sil2017
Thu Aug 17, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 874

Re: which 27 inch imac to purchase?

Thanks for the recommendation and the sites adorama and b and h photo. Chatted online and bought the Apple iMac 27 inch model'. MK462LL/A late 2015 model for $1399 with a$400 discount. Only 8 GB so will see if I need more at a later date. I pretty much use the computer for internet and movies. 3.2 g...
by sil2017
Thu Aug 17, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 874

which 27 inch imac to purchase?

Need to purchase an IMAC today. Which one is the best value? Link or /and model would be appreciated especially if from apple store. Also, is it best to just buy the basic or upgrade to faster processor and memory etc? I only want it for watching movies and surfing on the internet. Not sure what els...
by sil2017
Thu Jun 15, 2017 11:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 214
Views: 28096

Re: Roll Call for the Retirement Class of 2017!

June 15th , my last day.
I'm officially retired and I don't have to answer to anyone except to my dogs.
Hard to believe I don't have to navigate through rush hour nor have to work anymore.
Lunch specials and Happy hour all day long

Sil2017
by sil2017
Sat Apr 22, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: typical deductions for retirees
Replies: 27
Views: 2806

typical deductions for retirees

I have been inputting different scenarios into the free HR block income tax calculator for predicting 2017 and beyond. I realize that once retired, i would only have 3 deductions, a lot less than when I am employed. My only write offs would be charitable donations, state tax refund, and real estate ...
by sil2017
Fri Apr 21, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

bloom2708-

From a financial viewpoint, it is best to not pay it off upon retirement but rather pay it off monthly till last payment of July 2018.

is this right?
by sil2017
Fri Apr 21, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

"When is the final payment scheduled for based on the current balance?"

July 2018
by sil2017
Fri Apr 21, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

thanks bloom2708.

Not sure what it means " how do you have a $2400 month mortgage payment on 34k? " other than:

I pay 2400 per month towards my mortgage. I owe 34k on my mortgage.

Perhaps I don't understand the question.
by sil2017
Fri Apr 21, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Uncle Ben-

is it a typo and you are referring to the Athens house for 324k?

The 2400 month is the mortgage for my current house.

If the 34k is referring to my mortgage, where did you get the number from?
by sil2017
Fri Apr 21, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Watty-

Gosh , I can't believe the Athens house for $324k.

I will check out Athens a bit more.
by sil2017
Fri Apr 21, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

J295- Yes, definitely the "buyer's remorse" and OMY syndrome hitting me. I've been through many emotions since February. It really "hit" me when I received the HRS termination paper. Reason : Retirement with pension. Coffee for now. Wine later. Last day of Spring Vacation so this...
by sil2017
Thu Apr 20, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Ron- I like my job . However my mind is set for retirement. I have not been taking care of myself as much in the last 2 years. The extra time from not working will allow me to be physically and mentally fit again. I am still concern about the health premium in the upcoming years. Watty- I had though...
by sil2017
Thu Apr 20, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

thanks Mim- I assume 40 years of withdrawal. Used the calculator for 60% stock ad 40% bond. Not able to get exactly 525k only 500k. So i can withdraw 16k per year with 95% survival rate. How would I calculate the pension? I rounded off to $4700 but really it is $4680 per month, annual adjustment of ...
by sil2017
Thu Apr 20, 2017 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

delamer Income protection (purchasing power protection)from Calstrs "The purchasing power protection program is a supplemental benefit paid quarterly if the value of the initial pension amount falls below 85 percent of value, as measured by the California Consumer Price Index once the 2 percent...
by sil2017
Thu Apr 20, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Instead of figuring what my monthly expenses are, I wanted to know how much i can spend monthly without depleting my money so I can adjust my retirement lifestyle. Based on my information given in post one, what am I able to spend monthly? I have not seen a retirement calculator with the simple inte...
by sil2017
Thu Apr 20, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

Delamer and Wizard- Thanks for the clarification. My uneasiness is the 4 years health care premium out of my pocket. I can live with $300 per month (today's rate) I think the best thing to do is to pay off my mortgage and heloc with my 457B funds upon retirement. I will feel better psychologically e...
by sil2017
Thu Apr 20, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

From 61 to 65, I am able to keep the School District's health plan. However, i will no longer have the $500 per month subsidy. $1000 per month for medicare seems extremely high. Is this an estimate for future expenses? What is the Medicare tax of 1.45% deducted from my salary for? According to CALPE...
by sil2017
Thu Apr 20, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

No social security at all. Not even a dime. Forgot about working as a young person.......I may possibly have minimal old age pension in Canada as I worked part time for 5 years and full time for one year....not sure and not counting the income. Just concern about whether I can afford the high expens...
by sil2017
Thu Apr 20, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

'I'm struck by the huge amount of home equity you have relative to investments. Having a home worth 1.5-2x all investments is a little unusual, and a 950k home seems like a ton for a person who is single and will be living on 60k a year or so. Property taxes alone would be a huge payment, right?'&qu...
by sil2017
Thu Apr 20, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Re: Did I make a good decision to retire July 2017 instead of July 2018?

#2- more time to travel, learn new language, fitness activities, spending time with family in Canada, healthy cooking
#1 - not sure as I will have to pay health premium on own at 61 1/2
by sil2017
Thu Apr 20, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 5611

Did I make a good decision to retire July 2017 instead of July 2018?

I guess it's too late now since I have already turned in my resignation letter. I am supposed to be retiring July 1, 2017. Upon retirement , I will have $4700 monthly pension with simple cost of living adjustment of 2% yearly with 85% income protection PLUS $500 monthly for 10 years with no COLA. If...
by sil2017
Sun Apr 09, 2017 8:35 am
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 5373

Re: Boglehead Conference 2017?

Any one on the waitlist able to go?
by sil2017
Fri Apr 07, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Heloc effect on Fico Score
Replies: 4
Views: 643

Re: Heloc effect on Fico Score

Line limit is 90k
by sil2017
Fri Apr 07, 2017 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Heloc effect on Fico Score
Replies: 4
Views: 643

Heloc effect on Fico Score

First, thanks very much for your expert advice. Bogleheads is my "daily reading" and i have received valuable information from reading answers to my posts and other bogleheads' questions and answers. Here goes my question: I have a Heloc of 90k. I spent 12.5 K already. I would need to spen...
by sil2017
Thu Apr 06, 2017 7:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 30509

Re: Your USER NAME...what does it mean?

Sil is short for first name
2017 is the year I am retiring
by sil2017
Thu Apr 06, 2017 7:39 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 214
Views: 28096

Re: Roll Call for the Retirement Class of 2017!

Miriam2-

Sil2017- June 15, 2017
by sil2017
Wed Apr 05, 2017 8:37 am
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 143
Views: 17819

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

What site was the link to the registration? And was it posted right after midnight? With so many people ahead of me on the wait list , I will wait for next year. Which site will the link to the registration be next year if not here as it seems like this is the place to make the announcement? New mem...
by sil2017
Tue Apr 04, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 143
Views: 17819

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

I thought the announcement will be April 5th...

I like to go in 2018 since I missed this one.

But if there is space for 2017, please add me to the waitlist.

Thanks
by sil2017
Fri Mar 31, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Mandatory 1099 for CA real estate sale
Replies: 0
Views: 190

Mandatory 1099 for CA real estate sale

I have read that Escrow may or may not send a 1099S to IRS for sale of a house. Is this a choice for the seller? My friend has a house in escrow and just told me escrow will file the 1099 form. Are there circumstances that escrow will or will not file? Does this depend on whether there will be capit...