Search found 19 matches

by rennale
Mon Apr 23, 2018 7:09 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 68
Views: 6528

Re: New retirees: so whatdayathink ?

For those of you who have retired within the past year or so, how is it? Have there been any major surprises or adjustments you've had to make. Anything you need help with? Retired last year at 67. How is it? It's very pleasant. I am calmer in myself, kinder to other people, and more interested in ...
by rennale
Wed Mar 28, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Mac Office 2016 download on Ebay - how so cheap?
Replies: 23
Views: 1712

Re: Mac Office 2016 download on Ebay - how so cheap?

Unless you need Outlook, why not choose Home & Student rather than Home & Business?

Microsoft Office Home and Student for Mac (download) is currently $115 on Amazon. Provides Excel, Word, Powerpoint and OneNote. Full license with no monthly subscription.
by rennale
Fri Mar 23, 2018 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Safe SP500 index fund
Replies: 32
Views: 3362

Re: Safe SP500 index fund

You'd need an options based strategy. Basically buying Put options (bets on the index going down). You can do this yourself but it will get expensive over a long period of time. The closer options are to In The Money (ie exercisable for value) and the longer they are to expire, the more money they ...
by rennale
Sat Mar 10, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Fidelity Account - FSTVX vs ITOT
Replies: 59
Views: 4745

Re: Taxable Fidelity Account - FSTVX vs ITOT

FWIW, back in 2015 Morningstar was recommending FSTVX for taxable accounts:

http://www.morningstar.com/articles/714 ... -fide.html
by rennale
Mon Feb 19, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 394
Views: 146571

Re: Retiree Portfolio Model

I can now answer my own question. I purchased "Office 2016 for Mac" from Amazon for $130. In addition to Excel it provides Word, Powerpoint and Onenote. The original reviews for Excel for Mac back in 2016 were dismal, but I figured that a couple of years of updates would have redeemed it. So it prov...
by rennale
Wed Feb 07, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 394
Views: 146571

Re: Retiree Portfolio Model

A quick question - before I waste a hundred or so bucks can anybody confirm that Excel 2016 for Mac will handle RPM fully (Macros etc)? My Mac is running High Sierra (10.13.3). https://www.microsoft.com/en-us/store/d/excel-2016-for-mac/cfq7ttc0k5f2 I've been using RPM with LibreOffice (5.4.4.2) for ...
by rennale
Tue Feb 06, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: MS Money replacement
Replies: 16
Views: 1446

Re: MS Money replacement

Previous recommendations in this forum have included Moneydance, so I started using it. Seems to do everything, including Direct Connect and stock price updating. Works very well for me (no bugs/crashes/etc). Data is stored locally (not in somebody's cloud). Free trial followed by a low cost purchase.
by rennale
Wed Jan 31, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I join Linkedin?
Replies: 48
Views: 3690

Re: Should I join Linkedin?

The HR department of the company I worked for (prior to retirement) used LinkedIn extensively to find candidates for open job positions. In fact, aside from looking at the resumes of people who applied for jobs directly through the company's website, it wasn't clear that the recruiters bothered to d...
by rennale
Fri Dec 08, 2017 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Question about IRMAA and first couple years of retirement
Replies: 17
Views: 1919

Re: Question about IRMAA and first couple years of retirement

Re: Went through this personally. The Monday after I left my job, DW and I marched down to the SS office and filed the paperwork. You need the termination letter from your employer. Keep the termination letter, because they’ll keep trying to add the IRMAA every year until you file taxes with the low...
by rennale
Tue Nov 21, 2017 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 28743

Re: Why not take Social Security at 62

As an unscientific comment I have observed no evidence that family longevity history is in any way meaningful in assessing one's own potential lifespan. I've been to too many funerals where a parent has survived long enough to bury a child. (Surely life's cruelest blow.) And on the other hand my par...
by rennale
Wed Nov 01, 2017 6:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Metro Boston's Chapter
Replies: 323
Views: 66010

Re: Master Thread for Metro Boston's Chapter

Ditto.

It'll be my first ever meeting. Very much looking forward to it. The social too! :-)
by rennale
Mon Oct 16, 2017 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Questions - Please Help
Replies: 24
Views: 1762

Re: Medicare Questions - Please Help

I recently went through the same process (deciding which Medicare Advantage to purchase) and came to the conclusion that dental was mostly a waste of time. The insurance provisions are minimal, it's mostly a pre-payment system. For example, in my area a cleaning is about $150 and the MA programs see...
by rennale
Sun Oct 15, 2017 11:26 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 310
Views: 46894

Re: Roll Call for the Retirement Class of 2017!

Another update. My last day at megacorp was 1st September. Whoo-hoo. Now six weeks in and just treating life like a series of back-to-back weekends. I've decided to chill until the New Year to unwind and take stock (figurative, not literal). Then sort out something constructive to do. It's amazing h...
by rennale
Wed Oct 11, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Boston area Relocation...major decision points
Replies: 34
Views: 3428

Re: Boston area Relocation...major decision points

As a previous reply mentioned, there isn't much of a reverse commute to be had. But, as also mentioned, living in central Boston and driving north out to Woburn is definitely manageable. This would put you living in the city of Boston (the Back Bay or Beacon Hill, perhaps), or Cambridge, or Charlest...
by rennale
Sun Aug 20, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 12979

Re: Anyone planning on never retiring?

So I am now 67 and retire at the end of this month. I think I have the necessary financial security and my job has become boring. I don't have the "retire to something not from something" figured out, so I'm terrified of the coming months. But unless I work until I drop dead that hurdle must be face...
by rennale
Tue Jun 20, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 45791

Re: Regret early retirement/downsizing

I have watched this thread with great interest, although I would prefer one on "Regret *late* retirement/downsizing." I think I've dealt with the early retirement problem by keeping working until my 67th birthday earlier this month. But, that said, the prospect of boredom in retirement is still a si...
by rennale
Tue May 30, 2017 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any hope of getting my Social Security earnings corrected?
Replies: 25
Views: 2715

Re: Any hope of getting my Social Security earnings corrected?

I too am trying to fix this problem. I have one year (1991) where the SSA reports zero earnings, and another (1992) that reports partial earnings. I'm not sure why this happened but blithely assumed that there was no rush to fix it. I also made the mistake of not realizing that the earnings were adj...
by rennale
Sat May 20, 2017 4:58 am
Forum: Personal Finance (Not Investing)
Topic: Delay SS, but claim if market plunges
Replies: 49
Views: 5295

Re: Delay SS, but claim if market plunges

Apologies for topic drift but earlier, Watty mentioned: > The Vanguard 2015 target date fund has an asset allocation of 50% stocks and a 50% bonds so ...... The Fidelity 2015 target date fund is the same and I'm curious about it. Presumably the typical investor in these funds is now 67 or thereabout...
by rennale
Sun Apr 23, 2017 7:16 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 310
Views: 46894

Re: Roll Call for the Retirement Class of 2017!

First post. Not likely to be the last! Got to start somewhere. I also plan to retire this year, when I get to 67. Basically terrified. Been in the IT industry since college. Enough already. Was once wisely advised to not retire from something, but to retire to something. But the "from" takes so many...