Search found 42 matches

by Gardner's Son
Thu May 13, 2021 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Losing Motivation in Work - 5 Years To Go - Suggestions?
Replies: 131
Views: 11579

Re: Losing Motivation in Work - 5 Years To Go - Suggestions?

For me, the 5 Year Mark was my "Hump Day." In other words, I found that once I got through Year 5 I was able to more easily count-down the years -- 4, 3, 2, 1! In fact, Years 2 and 1 just flew by for me. And I was able to re-inspire myself to make the most of the remaining 5 years. I can't...
by Gardner's Son
Sun Mar 21, 2021 4:49 pm
Forum: Investing - Theory, News & General
Topic: What To Do with $36,000 Extra a Year...?
Replies: 9
Views: 1838

Re: What To Do with $36,000 Extra a Year...?

Thanks for the replies: Yes, we do have income coming in from part-time jobs. I'm more of a travel-bug than my wife, although doing something with our kids/grandkids would be fun and will be considered. Many thanks!
by Gardner's Son
Sun Mar 21, 2021 3:14 pm
Forum: Investing - Theory, News & General
Topic: What To Do with $36,000 Extra a Year...?
Replies: 9
Views: 1838

What To Do with $36,000 Extra a Year...?

Here's a question for the Boglehead Community: My wife (68) and I (70) will be receiving $36,000 a year for 10 years via selling & owner financing a piece of commercial property. My initial thoughts were to fund a ROTH IRA for the two of us and put the rest towards 529s for our 4 grandkids. We d...
by Gardner's Son
Tue Dec 22, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Steps for PPP Forgiveness?
Replies: 5
Views: 490

Steps for PPP Forgiveness?

I'm interested in completing the PPP Loan Forgiveness process. Has anyone completed the form and submitted the docs?
If so, what steps did you take to complete and submit? Many thanks!
by Gardner's Son
Wed Jul 29, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: New PPP Loans Coming Out?
Replies: 4
Views: 532

Re: New PPP Loans Coming Out?

Thanks for the replys...
by Gardner's Son
Wed Jul 29, 2020 9:00 am
Forum: Personal Finance (Not Investing)
Topic: New PPP Loans Coming Out?
Replies: 4
Views: 532

New PPP Loans Coming Out?

Dear All: I just received an e-mail stating that our PPP loan will be issued. I'm confused as we already received funds. Did Congress pass another stimulus package that covered another round of funding?
by Gardner's Son
Wed Jun 10, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Have You Used Demio for a Virtual Conference?
Replies: 0
Views: 155

Have You Used Demio for a Virtual Conference?

I am the Executive Director for a non-profit. We are interested in possibly using Demio as the platform for a virtual conference in the fall. Have any of you used this platform before? We are looking a having 6-10 concurrent breakout sessions for 750 total attendees.
by Gardner's Son
Sat Jun 06, 2020 5:10 pm
Forum: Personal Consumer Issues
Topic: Flying Advice: From RDU to Tampa?
Replies: 16
Views: 1459

Flying Advice: From RDU to Tampa?

A friend of mine and I are thinking about flying down to Tampa to visit an old friend for what may be our last time. We would be flying from Raleigh (RDU) to Tampa. Just wanted to know what the current flying situation is like. Social distancing, direct flights, other advice etc.

Many thanks!
by Gardner's Son
Sun Apr 26, 2020 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Sell or Rent 5th house?
Replies: 4
Views: 534

Re: Sell or Rent 5th house?

I'd rent it for the following reasons: It's paid off so there is no mortgage pressure ahead for you. You can use the rent to pay the mortgage of the new house. You won't need to eat the taxes on a sale. It's future cash flow for when you retire.
by Gardner's Son
Sun Apr 05, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: CARES Act - Incentives for Buying Commercial Real Estate?
Replies: 1
Views: 309

Re: CARES Act - Incentives for Buying Commercial Real Estate?

Sounds like it to me. Please let us know what you find out on Monday. It seems a bit odd as this actually looks like someone in SBA is planning ahead and providing support to businesses affect by our present situation. [OT comment removed by moderator prudent] This would be a nice incentive to jump-...
by Gardner's Son
Wed Mar 18, 2020 3:20 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1800
Views: 152745

Re: Coronavirus (Consumer Issues) How you are preparing?

After reading and seeing this post ( https://www.facebook.com/davidsinclairphd/videos/2533198843607552/UzpfSTEwMDAwMDQ3MTczNzAxNDo0MjI2NzcwNjY0MDE1Mjgz/ ), I'm mentally preparing myself for many months of this new life. We are in the 65+underlying health concerns. Have been staying away from crowds....
by Gardner's Son
Thu Feb 13, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Way to Send Money to Saudi Arabia?
Replies: 4
Views: 566

Re: Way to Send Money to Saudi Arabia?

Many thanks for these suggestions!
by Gardner's Son
Tue Feb 11, 2020 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Way to Send Money to Saudi Arabia?
Replies: 4
Views: 566

Way to Send Money to Saudi Arabia?

I need to send money ($1,500 US or so) to a person living in Saudi Arabia. I went to my bank and they said it would cost $180 to send it. I'd hate paying 12% in fees. What other ways can you suggest? American Express? Pay Pal? Etc. Many thanks!
by Gardner's Son
Sat Jan 25, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do cool with your money today?
Replies: 125
Views: 10834

Re: What did you do cool with your money today?

Bought a 15-pack of Milwaukee Best Light for $7.99 > 53 cents/beer. Actually, not bad tasting...
by Gardner's Son
Thu Jan 16, 2020 9:26 am
Forum: Personal Finance (Not Investing)
Topic: "Life Between 65 and Death"
Replies: 17
Views: 2860

"Life Between 65 and Death"

Saw this posted on Facebook. It's a few years old, but please read as time permits... I reflected on each, but really liked #11 >> https://maybienvh.wordpress.com/2018/05 ... bZxp9xbXTc
by Gardner's Son
Tue Jan 14, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 30572

Re: Do you plan to actually spend down your portfolio?

No. We have 5 adult kids ages 42 to 29. Our goal is to leave the vast majority to them. We did plan on spending down our portfolio when we were younger, but our income from ages 55-68 allowed us to pay off everything. I'm still working part-time at age 69 (wife still works PT at age 66). We were for...
by Gardner's Son
Sat Jan 04, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Medical school at 34 - Is this financial suicide?
Replies: 116
Views: 11444

Re: Medical school at 34 - Is this financial suicide?

It may not be financial disaster, but personal. I recall asking a friend of mine who went back to school to earn his Ph.D. if it was worth it. "Professionally it was worth it. Personally it costs me my marriage. So, no, it was not worth it."
by Gardner's Son
Fri Dec 20, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Blogging for Fun & Profit
Replies: 18
Views: 1654

Re: Blogging for Fun & Profit

OP here... Many thanks for everyone's words of advice. I'm a "Rule of Thumb" guy and so seeing items such as the 4 suggestions below make sense to me: 1. Sell your time (writing, speaking, consulting, coaching, whatever) 2. Sell your own products 3. Sell someone else's products (i.e. affil...
by Gardner's Son
Fri Dec 20, 2019 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Blogging for Fun & Profit
Replies: 18
Views: 1654

Re: Blogging for Fun & Profit

Thanks for the replies! Just looking for folks who have blogging experience and were able to make a bit of money on the side. I'm in my late 60's and have followed the "Boglehead Way" so we have Enough. Just looking hear stories from folks who have started a blog and were able to make mone...
by Gardner's Son
Fri Dec 20, 2019 4:16 am
Forum: Personal Finance (Not Investing)
Topic: Blogging for Fun & Profit
Replies: 18
Views: 1654

Blogging for Fun & Profit

I'm looking for advice on starting a blog for fun and profit. I have the concept/idea and domain name, but need additional info on the best platform to host the blog so that it will generate cash from ads, etc. Are there any Bloggers here who have done this successfully? Just want something to keep ...
by Gardner's Son
Sun Jul 28, 2019 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Why I don't think I should get long term care insurance right now
Replies: 164
Views: 13709

Re: Why I don't think I should get long term care insurance right now

While I have forgotten all of the particulars, I (male) bought a LTC policy when I turned 55 (2005) for about $2,000/year. I am now 69. I believe it covered $300/day with a max of $1,000,000 total coverage? As owners of a small business, we deducted this expense. After 20 years, the policy is comple...
by Gardner's Son
Tue Apr 30, 2019 6:23 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 2006

Re: Purchasing 2019 Honda Pilot Advice Wanted

Here's what we actually bought yesterday. Just posting pricing as others may find it useful... We bought an EX-L AWD with Navi & RES in Durham, NC for the following: Selling Price > $42,655 Discount > $6,105 Adjusted Price > $36,550 Mudguards > $189 Wheel Locks > $140 Back-Up Sensors > $750 All ...
by Gardner's Son
Mon Apr 29, 2019 6:38 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 2006

Re: Purchasing 2019 Honda Pilot Advice Wanted

Many thanks for the great advice from everyone!!
by Gardner's Son
Mon Apr 29, 2019 5:05 am
Forum: Personal Consumer Issues
Topic: Purchasing 2019 Honda Pilot Advice Wanted
Replies: 17
Views: 2006

Purchasing 2019 Honda Pilot Advice Wanted

Dear Fellow Bogleheads: We'd like to gather feedback from folks who have purchased a 2019 Honda Pilot EX-L with AWD. The lowest price we have received is $36,146. Is this a good price? We live in North Carolina. We can get .09% financing if we purchase by tomorrow (4/30/2019). Many thanks!!
by Gardner's Son
Sun Apr 14, 2019 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Credit Card?
Replies: 6
Views: 907

Re: Southwest Credit Card?

Many thanks!
by Gardner's Son
Sun Apr 14, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Southwest Credit Card?
Replies: 6
Views: 907

Southwest Credit Card?

I believe there was a topic string on Southwest Credit Cards. Can someone please direct me to it?
by Gardner's Son
Sat Mar 30, 2019 5:34 am
Forum: Personal Finance (Not Investing)
Topic: Those of you with alot of money, how did you do it?
Replies: 86
Views: 13417

Re: Those of you with alot of money, how did you do it?

Followed my passion for teaching > graduated from college and grad school with no/little debt > started teaching > married a kind and supportive wife > started a side business as a workshop presenter and publishing ed materials > struggled like heck raising 5 kids for the first 20 or so years. The l...
by Gardner's Son
Sat Mar 30, 2019 2:53 am
Forum: Personal Finance (Not Investing)
Topic: Paying someone in Australia...
Replies: 2
Views: 368

Paying someone in Australia...

I need to pay someone in Australia. I'd like to use my credit card for this so I can receive frequent flier miles. What would be the best way to go? Many thanks!
by Gardner's Son
Wed Mar 27, 2019 1:00 pm
Forum: Personal Consumer Issues
Topic: New Honda CR-V vs. 2-3 Year Old CR-V?
Replies: 68
Views: 6277

New Honda CR-V vs. 2-3 Year Old CR-V?

Just tossing this out there... My wife and I are looking to purchase a new or used Honda CR-V EXL. The prices for a relatively low mileage used CR-V are about $4,000-5,000 less than a new one. If we buy new, the interest rate is .09%. If we buy a used CR-V would run 4.75%. It seems like a wash to me...
by Gardner's Son
Tue Mar 12, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 8611

Re: How many companies have you worked for?

I've just worked for two in my 30 year career as a teacher. Perhaps three, if you count the company my wife and I started on the side...
by Gardner's Son
Thu Feb 28, 2019 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12942

Re: Why Working as a Senior Male is Wise...

OP here -- Sorry I have not been in on the conversations. My main reason for staying employed is a defense against becoming too emotionally/socially isolated as I grow older. I saw this in my father's life and the lives of older men I know. They withdraw, go without social interaction, etc. I was ju...
by Gardner's Son
Sat Feb 23, 2019 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 12942

Why Working as a Senior Male is Wise...

As a 68-year-old man, I have decided that it is better for me to keep working than stop completely. In my case, I retired as a teacher in 2005. However, I have been fortunate to have flexible part-time work that I find very meaningful. In my case it involves working as an editor for a small publishi...
by Gardner's Son
Mon Feb 18, 2019 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 12461

Re: Were you 100% debt free at retirement

Yes. I retired from teaching is 2005 and continued to work at a side hustle company my wife and I started way back in 1982 while I was a young educator. At ages 68 & 66, we decided to take SS this year and still keep working. While we could stop at any time, what we do is meaningful to us. The g...
by Gardner's Son
Tue Jan 01, 2019 10:31 am
Forum: Personal Investments
Topic: Advice for Not-Needed-for-Now SS and 1031 Real Estate Exchange
Replies: 1
Views: 326

Advice for Not-Needed-for-Now SS and 1031 Real Estate Exchange

Dear BH Family: At ages 68 and 66, my wife and I have made it across the Finish Line on the Island of Retirement! As we will be at this location for a few more years, I'd like to ask your advice on our little island paradise. Here's what it looks like from our perspective: • A Shady Coconut Grove c...
by Gardner's Son
Thu Dec 13, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 501
Views: 62238

Re: What is/ was your career and would you recommend it now?

Elementary school teacher. Teaching, social work, church ministry, and other helping professions are highly needed. We were able to do it with 3+ kids, will be retired comfortably once SS kicks in.
by Gardner's Son
Thu Dec 13, 2018 3:11 pm
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 23937

Re: What Happened to you during the Financial crisis of 2007–2008

Lost 40.6% & Stayed the Course and kept investing > Now have 4X what we had in 2007.
by Gardner's Son
Tue Dec 11, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 25841

Re: What percentage of your net worth is your home equity?

Ours is 20%. We are essentially retired, no debt. 44% in investments. 36% in commercial property. Cash flow over $100,000 in retirement/SS/RMD/part-time jobs. Have more than we need, so have been helping out our children buying their initial homes. Still working because I want to stay productive and...
by Gardner's Son
Fri Sep 21, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 132
Views: 13160

Re: Did you really have something to retire to?

I retired as an educator to run a publishing company. Moving from that to help manage a non-profit. Just trying to stay one step ahead...
by Gardner's Son
Sun Aug 19, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 32519

Re: Teachers Who Have Net Worth of $1 million +

As the OP, I'd like to thank everyone for sharing their "The Millionaire Teacher Next Door" stories.
by Gardner's Son
Thu Aug 16, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 191
Views: 32519

Teachers Who Have Net Worth of $1 million +

As a retired teacher, I'm interested in hearing from my fellow Life-Giving Educators who were able to devote their lives to teaching, invest over time, may have started side businesses, and have amassed over $1 million net. How did you do it? Perhaps share your net worth as a testament to other youn...