Search found 132 matches

by MandyT
Thu Dec 07, 2017 2:17 pm
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11155

Re: After financial independence, do you lose motivation for work?

One can choose to either let those beefs eat at you, or you can choose to ignore it and carry on. Whenever I hear the same sort of frustrations voiced from colleagues, I choose to not engage in the discussion and deflect the topic, or manage to wiggle free and walk away into a more positive space o...
by MandyT
Tue Nov 28, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9401

Re: What did you do right?

Although it's hard to tell without visiting any alternate universes, these are the financial decisions I'm happiest about: (1) Living below my means and staying out of debt. (2) Renting (apartments) long-term. There has been a lot of peer pressure telling me to buy a house, which I've ignored. When ...
by MandyT
Sat Nov 25, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4128

Re: Trip to Hawaii - what do I need to know

I went to Maui in the summer of 2009 because there was a sale that was just too good to pass up. For me, I think it worked out ideally. The west side of the island is built up enough that I had all of the services and comforts I wanted/needed, but it still had a relaxed feel. I stayed on the north e...
by MandyT
Sat Nov 25, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 10523

Re: What are the things you want to do between 55 and 65?

I have this bad habit of writing posts, deciding that they're too long/not interesting enough, and deleting them before submitting. Anyway, in a nutshell, here are my main priorities for things to do before age 65. (I retired summer 2017 and am now 56.) (1) Play (and sing) in musical groups. My hand...
by MandyT
Sun Nov 12, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 3234

Re: Bitcoin: Significance of 12 transactions per second?

There is basically a civil war within the Bitcoin community right now. I don't think anyone can truly know how it will shake out. If you are participating in the crypto market the safest thing to do is own both coins in proportion to their market cap so that you are agnostic as to which side wins T...
by MandyT
Thu Nov 09, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insruance Payment
Replies: 29
Views: 1597

Re: Auto Insruance Payment

Hockey10 wrote:
Wed Nov 08, 2017 4:57 pm
I pay USAA monthly with a credit card. There are no extra charges for using a credit card, and they give you a discount if you are on auto-pay.
This. Though about a year ago I paid my outstanding balance to help make the minimum spend on a new credit card.
by MandyT
Tue Nov 07, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15445

Re: What was the main reason you retired?

The main reason I retired at the time I did was an unusual situation that made "one more year" not an option. A change in retiree insurance was announced to be effective 1-1-18. Anyone retiring by 12-31-17 would be eligible for retiree medical insurance as long as they were eligible to retire (age 5...
by MandyT
Tue Nov 07, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7744

Re: Does Retirement Make You Lazier?

One thing I've noticed is that retirement has made me more patient. One of my biggest pet peeves used to be when people would waste my time needlessly--it doesn't bother me so much now. Curiously, for me it's the opposite. When I was working, wasted time was something I had to plan for and work wit...
by MandyT
Mon Nov 06, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7744

Re: Does Retirement Make You Lazier?

In statistics, I think age would be what's called a "confounding variable" in that people who get older are more likely to retire and are also more likely to have decreased physical stamina. I'm a recently retired 56-year-old who (thankfully) is still pretty energetic physically, so maybe I'm a good...
by MandyT
Thu Oct 19, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Data Use on Smartphones
Replies: 37
Views: 2519

Re: Data Use on Smartphones

I.2GB of data per year. I saw an offer for a Samsung Galaxy J3 Luna Pro 16GB 4G LTE 5" screen smartphone for around $90 and it comes with 1200minutes/1200texts/1.2GB data for one year. I don't own a smartphone and was wondering if 1.2GB of data would be enough if I was to use the smartphone, not on...
by MandyT
Sat Sep 30, 2017 10:55 pm
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 15735

Re: Why do you LBYM? Why do you save and invest?

The question on this topic is why some American save and invest while average American don't? So far, the popular answers are: A) Family influence B) Bad boss/job C) Experienced a recession and/or job loss. KlangFool I believe another popular answer has been D) Wired that way (which I think is "nat...
by MandyT
Tue Sep 26, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 54369

Re: Any books really change your outlook on life?

Again, I applaud you for your personal development. In my experience, individuals with ASD are very special people who could definitely teach the typically developing, yet highly dysfunctional world, a thing or two. In attempting to "fit in", I would caution you to remember that your uniqueness is ...
by MandyT
Tue Sep 26, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 54369

Re: Any books really change your outlook on life?

Shadow Syndromes by Ratey and Johnson. The description of mild, subclinical manifestations of symptoms along the autism spectrum were an eye-opener. I spent many years being blind-sided by enemies I didn't know I had, that I had made because of social errors. Over the last 20 years or so, I worked ...
by MandyT
Tue Sep 19, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: USPS lost very important certified mail - What next?
Replies: 46
Views: 5368

Re: USPS lost very important certified mail - What next?

My bank once advised me of the time limit on stop-payment checks, and said that the only way to be absolutely certain it would not eventually be cashed was to close the account it was drawn on. If this, as I suspect, is a "Cashiers Check" (or equivalent) - then it is not drawn on an account that ca...
by MandyT
Wed Sep 13, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: "Fear of Finance?" AARP interview with Jack Bogle
Replies: 37
Views: 6307

Re: Nice "mistake."

saltycaper wrote:
Mon Sep 11, 2017 1:21 pm
So the Jets aren't the latest fad? And here I've been cheering for them all these tears? I'm so out of touch. Does Mr. Bogle root for the Jets? If we could find that out, we'd really be getting somewhere.
I'm not sure if this is a typo or not. It kind of works either way.
by MandyT
Sat Sep 09, 2017 3:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 274
Views: 38244

Re: Roll Call for the Retirement Class of 2017!

I'm currently clearing out my office; there is some space for emeritus faculty so I'm going to move a few things and keep them in there. Aside from that, I'll have two or three hours of committee-related work to do in July, then I'll be done. I'm not sure I'll really feel retired, though, until clo...
by MandyT
Fri Sep 08, 2017 9:39 pm
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 17
Views: 2183

Re: Has Firecalc or I-ORP altered your retirement plans?

Using these tools makes me more comfortable with the idea of retirement. I have enough. Yea! Using the various online calculators gave me additional information I needed to determine that we had "enough". I wouldn't say by itself it convinced me but it gave me a larger psychological comfort level w...
by MandyT
Mon Aug 21, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 11393

Re: Anyone planning on never retiring?

Everyone's different. To give one example, while I love reading about Victoria's adventures whenever she shares them, I would not want her life. It sounds like way too much work for anything I'd be interested in. Maybe I'm just getting "stupid" at two years into retirement, though in my own defense...
by MandyT
Fri Aug 11, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Wanting to learn how to play Bridge
Replies: 15
Views: 1609

Re: Wanting to learn how to play Bridge

Various things turned me off bridge, bridge players, and the American Contract Bridge League. I would suggest that if you have been "turned off", you are not a good candidate to give objective advice to a prospective player. Perhaps. I felt that it was relevant to point out my possible bias for the...
by MandyT
Fri Aug 11, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: Wanting to learn how to play Bridge
Replies: 15
Views: 1609

Re: Wanting to learn how to play Bridge

I have watched folks play bridge and it looks like a very interesting game. I looked through some books "Bridge for Dummy's" etc. to see how I could learn how to play it well. One of my problems is that I want to do it very well and learn the right thing from the start. I am sure there are numerous...
by MandyT
Thu Aug 10, 2017 7:20 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 21
Views: 2212

Re: Another "replace car or not" decision

I don't mean to be a smart alack BUT ... if you are looking for status, you will have to do a lot better than a Nissan Sentra. If you are NOT looking for status, who cares what the car looks like? I would NEVER get rid of a car as long as 1) the car is still reliable and 2) I still enjoy driving it...
by MandyT
Thu Aug 10, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 21
Views: 2212

Re: Another "replace car or not" decision

Not a bad call. Good job finding a manual focus that is not the ST or RS model. I looked for months for my brother but we ended up giving up finding one. It's an SE. I'm hoping it will not turn out to be a POS, but I guess time will tell. I was influenced by the positive comments and lack of compla...
by MandyT
Thu Aug 10, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 21
Views: 2212

Re: Another "replace car or not" decision

Another update from the OP--I took the plunge! Longish story shortened: my Nissan was still doing OK, but, at 13 years and 170,000 miles, was starting to have little glitches. I decided to start looking for deals. I was intrigued by the Ford Focus--not top-rated, but higher-rated than the Sentra lat...
by MandyT
Wed Jul 26, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Montreal visit in September
Replies: 11
Views: 1251

Re: Montreal visit in September

Planning a trip to Montreal (6 days). I also like to visit to Quebec City and Ottawa using Montreal as a base. Is there a good public transport to use or is it better to rent a car. What would be places to see and where to stay? I was thinking between AirbnB or a hotel. Thanks. I'm not sure where y...
by MandyT
Mon Jun 19, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1967

Re: Credit for Retirees

Thanks to Meg77 and the others who have replied to my inquiry. If you want to get a mortgage (refinance or new property purchase), you'll want to do that before you retire. If you have substantial equity in your home, it might make sense to take out a home equity line of credit to use in the future ...
by MandyT
Sun Jun 18, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Credit for Retirees
Replies: 16
Views: 1967

Credit for Retirees

I am retiring from a position as a university professor (I'm 55). Because of the nature of nine-month contracts, I am technically employed until 8-31-17 (making about $75000 annually) and will be retired effective 9-1-17 (with a pension of about $26000). I haven't thought very much about how credit ...
by MandyT
Mon Jun 12, 2017 2:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 274
Views: 38244

Re: Roll Call for the Retirement Class of 2017!

I plan to retire effective September 1, 2017. I haven't put in my papers, but I've told my department chair and some of my colleagues. I have some duties that will need to be transferred to other people, so I thought about a year's notice would save me some amount of "Mandy, where do you find X? Ma...
by MandyT
Sun Mar 26, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 95
Views: 5881

Re: How did you do your income taxes?

Just like last year:

Federal: FreeFillableForms.

State: Pen and paper.
by MandyT
Tue Mar 21, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Citi card Nightmare
Replies: 75
Views: 9576

Re: Citi card Nightmare

This is one of my concerns with viewing statements and paying bills online. I have considered just having credit card bills mailed to me. Is it worth saving a stamp to possibly have my credit score hurt by a late payment due to issues on their end or mine? Hope you manage to get things worked out a...
by MandyT
Fri Feb 24, 2017 9:11 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 91
Views: 14110

Re: What are the big things to get right?

This is an excellent list, but I'd add something towards the top. A rough priority order of the big things to get right: 1. Analytical mind, life-long learning, strong decision-making ability. Without these skills everything else can fall apart. 1a. Self-awareness. Some of the smartest people I know...
by MandyT
Fri Feb 17, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: How do you handle switching your handbag?
Replies: 62
Views: 5038

Re: How do you handle switching your handbag?

I have one handbag at a time. Only switch when I have a new one and the old one goes out the door. This is me. I'm fortunate that I'm in academia, in a department and at a university with enough of a majority of men that I can stay in my preferred mode: clean and presentable with little or no thoug...
by MandyT
Thu Feb 16, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Credit cards vs. Cash
Replies: 123
Views: 9019

Re: Credit cards vs. Cash

Always fascinates me how we Bogleheads thoroughly tease-out every aspect of a topic. Just wanted to mention that the gold standard for research is that it be "double blinded" - the subjects don't know AND those conducting the experiments don't know the critical nature of the experiment. A...
by MandyT
Tue Feb 14, 2017 3:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919626

Re: What Movie Have You Recently Watched?

I watched groundhog day, again, no pun intended. lol that was on tv last week, I just can't get enough of that movie. Any other fans out there? I saw the ads for it on TV. I've seen it several times in the past so didn't bother to tune in again. Great movie though! I did think the ad was clever. It...
by MandyT
Sun Feb 12, 2017 7:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 33928

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

When I joined the message board, I was feeling unusually cautious because of an upcoming career decision, so I wanted to use a handle that I wasn't using on any other message boards. But I didn't want a username that was so obscure that I might not recognize it as "my name". So I picked a ...
by MandyT
Sun Jan 15, 2017 10:06 am
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 52
Views: 3317

Re: Recommendations for home paper shredder

I have a WM675XB--the brand name is Aurora, though that's not obvious from looking at the unit or the packaging (it's online and in the manual, though). It's currently on sale at Walmart.com for $24.88. I've been happy with it. I used to have a shredder that jammed a lot, and I don't think it was cr...
by MandyT
Sat Jan 14, 2017 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Receipts [Retaining purchase receipts]
Replies: 28
Views: 1825

Re: Receipts [Retaining purchase receipts]

Bogleheads, I am interested in thoughts and comments regarding the shredding of receipts form purchases. How many folks shred all receipts at the end of the month once the transaction has cleared on a credit card statement? This is actually what I do. I save receipts in an envelope for each credit ...
by MandyT
Fri Jan 06, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Retreat to cash
Replies: 297
Views: 46243

Re: Retreat to cash

Interesting - on November tenth - the advice delivered on this forum to another forum participant that was - in part: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=177225&p=2684276#p2684276 " Don't try for the wild swings or latest top returners." On Nov 22, a wild swing is...
by MandyT
Wed Dec 28, 2016 6:55 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 70
Views: 9553

Re: Gift To Self

I bought a piccolo! I've been studying the flute on my own for the last four years, and saw a like-new Yamaha piccolo on Ebay for what seemed like a good price. I won't be working on it for another year or so, but that was my gift for myself (I had a "big" birthday in November). No one el...
by MandyT
Wed Dec 07, 2016 7:43 pm
Forum: Personal Consumer Issues
Topic: Shoes for flat-footed over-pronators
Replies: 33
Views: 3382

Re: Shoes for flat-footed over-pronators

I'm on my third pair of New Balance walking shoes, and my second pair of 812's--I got them in black so I can wear them to work. I don't live in a town with a New Balance store, but I've been to them twice and I recommend them very highly. The first time I went to one, I asked about a specific model;...
by MandyT
Sat Dec 03, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 12298

Re: Feeling like you've "made it"

I used to be a worrywart who was prone to various flavors of anxiety. What cured me was losing a bunch of things that were important to me (including my marriage, my job*, and most of my friends) and surviving. I learned how little I really need to be OK. I had written several paragraphs with more d...
by MandyT
Sun Nov 27, 2016 6:00 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 67
Views: 9788

Re: Why do reviewers love the Dell XPS 13 but users don't?

...I see no real benefit of a dedicated home machine and travel machine. At 55, my eyesight is still pretty decent, but it's harder than it used to be to read things that are tiny. I've been a TracFone user since 2002; I currently have a "feature phone" that permits texting and rudimentar...
by MandyT
Fri Nov 25, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 919626

Re: What Movie Have You Recently Watched?

I saw Arrival on Wednesday. Taking preferences into account (I like science fiction that makes me think), it's one of the best movies I've ever seen. Really glad I decided to go see it.
by MandyT
Fri Nov 18, 2016 9:02 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2322
Views: 422029

Re: What's Your Credit Card Rewards Strategy?

I had a Southwest Rapid Rewards Premium Visa for which I got a bonus early in 2013. I cancelled it at some point because I wasn't using it that much--I figured I'd eventually reapply for another bonus. I've been getting mail and email for awhile offering a 50,000 point bonus, but the last couple of ...
by MandyT
Fri Nov 18, 2016 8:28 am
Forum: Personal Consumer Issues
Topic: Another "replace car or not" decision
Replies: 21
Views: 2212

Re: Another "replace car or not" decision

Quick update. The sales department from the dealership where I get some of my service done called me to invite me to find out how much my car would be worth as a trade-in. I did some research to find out what I might want to buy there and to determine what my car might be worth. I told them I really...
by MandyT
Fri Nov 18, 2016 5:31 am
Forum: Investing - Help with Personal Investments
Topic: Take SS at 62 or wait ?
Replies: 74
Views: 9224

Re: Take SS at 62 or wait ?

I think there is a very significant pure financial argument for waiting as long as you can. However, there are very real personal and physical reasons why you should take it early. Spending $1K when you are 62 is highly likely to be more enjoyable than spending $1,300 when you 85. I personally will...
by MandyT
Sat Nov 12, 2016 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: John Hancock discontinues LTC insurance sales
Replies: 45
Views: 5215

Re: John Hancock discontinues LTC insurance sales

But what if you don't have kids or relatives to take care of you when you are old and need help? These costs would wither the best portfolios of anyone who wasn't extremely wealthy. Self-funding seems unrealistic to me. I know a lot of middle aged people who spend all their time helping out their p...
by MandyT
Sat Nov 12, 2016 9:47 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 62353

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

Like some of the other posters in this thread, I seem to have been wired for frugality. I'm not stingy, and I'm willing to spend money when warranted, but I like finding bargains and getting good value for my money. I've always been a bit oblivious to what other people think, and I'm glad to be in a...
by MandyT
Sun Nov 06, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 7418

Re: Why do people use banks?

With everything going electronic, I have almost no use for physical banks OR credit unions. Neither of them reliably provide the best rates on CC's, loans, or savings interest rates. Any perceived increase in customer service is not even close to worth the trade-off in rates. Name one B&M bank ...
by MandyT
Thu Nov 03, 2016 10:05 pm
Forum: Investing - Theory, News & General
Topic: Indispensable Quinn Talk Plenty Good
Replies: 16
Views: 2446

Re: Indispensable Quinn Talk Plenty Good

... ^^^ This had already been pointed out and I understood the wordplay. For some reason I thought others wouldn't get it if I spelled it phonetically. But you're right. There's no joke there without the deviant spelling: 'Doppler' --> 'Dopeler' (Looks like I was 'the dope'!) Thank you. Oops--I rea...
by MandyT
Thu Nov 03, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Indispensable Quinn Talk Plenty Good
Replies: 16
Views: 2446

Re: Indispensable Quinn Talk Plenty Good

I just listened to the video--thanks for the link! I had to mention one minor correction: ... Jane Bryant Quinn was guest speaker at a press club event in New York City to talk about her retirement guide, published earlier this year: "How To Make Your Money Last". You are facing what's cal...