Search found 5571 matches

by midareff
Sun Jul 15, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 37
Views: 1808

Re: Are Credit Cards Actually Convenient?

strafe wrote:
Sun Jul 15, 2018 2:49 pm
I’ve never heard of anything like this. There must be more to the story.
Absolutely. I've been declined once in the last decade and it was my fault, didn't use the travel advisory and showed up in another state. One phone call and all OK. Benefits... how's cash back.
by midareff
Sun Jul 15, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Denied for an auto loan 2 weeks after purchase??
Replies: 38
Views: 4234

Re: Denied for an auto loan 2 weeks after purchase??

The dealer will do everything it can for you to keep the car. 1. Creative financing offers with "generous" terms. 2. And so forth. 3. It is not in their best interest to take the car back, repossess it, or anything distasteful. 4. If you wanted to take the car back they might take it back as a "use...
by midareff
Sun Jul 15, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Spending profile in retirement
Replies: 19
Views: 1511

Re: Spending profile in retirement

What do you use as a spending profile in retirement? I don't don't think the SWR method is what I want to use. My current plan in firecalc and The Flexible Retirement Planner is: 55-60: $105k base spending (current spending), $25k travel 61-70: $95k base spending (kids are off the dole), $25k travel...
by midareff
Fri Jul 13, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with extra $2500 a month?????
Replies: 36
Views: 3070

Re: What to do with extra $2500 a month?????

Cruise ship and see the world.
by midareff
Sun Jul 08, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8873

Re: What time do you get up in the morning?

For me it's bedtime between 10 and 11. Her its 9 - 10 although she is always awake when I get to bed. She's up reading on her tablet still in bed about 6 AM and I'm out of bed around 7:30 with her. She goes to exercise walk before 8 AM and I go after she gets back when I finish reading on the comput...
by midareff
Sun Jul 08, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4299

Re: Retirees...what’s your lunch menus?

Sometimes we do, sometimes we don't. Wife mostly does and cooks her home-style (she is Thai), so fruits, veggies, egg whites, tofu and such is always around. There is also Sushi Wednesday at the Japanese Buffet place and an occasional (once or twice a week) lunch out for fish, chicken and such. Mayb...
by midareff
Sun Jul 08, 2018 7:03 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2362

Re: E- Billing & Autopay

We went paperless as it progressed and have never looked back. Everything that can go on a 2% cash back card goes on the card, the card being set on auto-pay in full monthly. Those that can't be set that (condo mortgage and maintenance, car payment) was are pay monthly against our checking account. ...
by midareff
Sat Jul 07, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3940

Re: Tipping in a hotel room/cruise ship room

In a hotel, we tip the cleaning people each day. On a cruise, we tip at the end of the cruise. Us too and we have about a dozen cruises under our belt or more. They have a recommended amount, generally a range which may, or may not, be a little high. Figure how much you would tip at breakfast, lunc...
by midareff
Sat Jul 07, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49110

Re: That Extravagant Thing You Do

VictoriaF wrote:
Sat Jul 07, 2018 5:34 pm
Float Spa, https://www.soulexdc.com/. I bought a 3-session package ($225), had my third session two days ago, and now I am planning to get a 10-session package ($625).

Victoria
Naw, that's just stuff you earned Vita.
by midareff
Sat Jul 07, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49110

Re: That Extravagant Thing You Do

Does taking a two room suite on a Viking European River cruise count as extravagant?
by midareff
Sat Jul 07, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 126
Views: 8626

Re: What I spent in 6 months on medicare

My wife and I seem to have medical issues find us... me much more than her FWIW. I'm 70, she is 55. Her medical insurance through my former employer is $570 a month and going up much faster than inflation. Besides being a bit expensive the coverage for medical is impeccable and I won't drop it until...
by midareff
Fri Jul 06, 2018 12:29 pm
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5047

Re: Every Other Friday Off

80 hours in two weeks would be the least amount of work time I ever put in and I worked 46 years before retiring 7 years ago. Whatever work schedule works for you - I remember in former working life that there was no correlation between productivity and number of hours spent at work. Bob, in the en...
by midareff
Fri Jul 06, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Every Other Friday Off
Replies: 52
Views: 5047

Re: Every Other Friday Off

80 hours in two weeks would be the least amount of work time I ever put in and I worked 46 years before retiring 7 years ago.
by midareff
Fri Jul 06, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: point and shoot digital cameras
Replies: 35
Views: 3020

Re: point and shoot digital cameras

The first thing is to determine what your primary use will be... is it to do snaps of the kids or grand-kids, travel or landscape photography, or so forth. The next thing is to determine whether or not you want it to be pocketable, or a neck wearer. I've been doing travel and landscape photography ...
by midareff
Wed Jul 04, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: Tire experts? Can I trust a patched tire?
Replies: 42
Views: 2890

Re: Tire experts? Can I trust a patched tire?

For in town use no issues with a patch or plug as long as the repairer followed guidelines. If you were going to do lots of high speed driving on twisty mountain roads touring I might feel differently.
by midareff
Tue Jul 03, 2018 8:37 am
Forum: Investing - Theory, News & General
Topic: PurePoint...nice gesture
Replies: 6
Views: 675

Re: PurePoint...nice gesture

LOL, that would be a mistake.
by midareff
Mon Jul 02, 2018 6:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 331
Views: 59561

Re: South Florida Local Chapter

Pleasure to meet everyone yesterday, very fun and informative gathering of friendly and knowledgeable people. In addition to all the thanks Miriam posted, Thank you Miriam for putting it all together! You did a great job being the MC :) Hope to see y'all again soon! Daniel I could not have said it ...
by midareff
Mon Jul 02, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees- How hard is it to dial spending down/up?
Replies: 38
Views: 2651

Re: Retirees- How hard is it to dial spending down/up?

I've dialed up my current WR to 5% to travel as much as we can while we can. I may go even higher. Pension and SS pays the bills, our portfolio WR is for travel, fun and toys. I doubt I would dial it down in a market crunch over the next few years.
by midareff
Mon Jul 02, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance medical coverage
Replies: 11
Views: 711

Re: Car insurance medical coverage

I have not had car insurance provide optional medical insurance within the scope of my memory. If I get all banged up in a car crash its going on my primary medical insurance.
by midareff
Mon Jul 02, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2343

Re: Health Insurance for Retirees, % escalation

If you're reasonably healthy, you might want to look into the healthcare sharing ministries out there. They can be a fraction of the cost of a health insurance plan and have been solid options for many people for many years now. The problem is that you are reasonably healthy until the day you aren'...
by midareff
Mon Jul 02, 2018 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do credit cards work?
Replies: 4
Views: 651

Re: How do credit cards work?

Good... now for the AMEX card that has 6% back on the first $6K annual of groceries and the 1% + 1% or 2% on everything else Citi Card or Fidelity Visa. We average $2K to $3K a year in cash back. Everything is set to automatically pay in full on the due date.
by midareff
Mon Jul 02, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2343

Re: Health Insurance for Retirees, % escalation

If you're reasonably healthy, you might want to look into the healthcare sharing ministries out there. They can be a fraction of the cost of a health insurance plan and have been solid options for many people for many years now. The problem is that you are reasonably healthy until the day you aren'...
by midareff
Mon Jul 02, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3083

Re: International Vacation Ideas

Initial trip ideas without much thought into it: African Safari Have done this twice.. first was to South Africa, Swaziland, Zululand, Victoria Falls and more. Excellent as it included about 6+ Safaris. Second was Kenya and Tanzania and was Safari intensive, also excellent. Did both with a tour comp...
by midareff
Mon Jul 02, 2018 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2343

Re: Health Insurance for Retirees, % escalation

If you're reasonably healthy, you might want to look into the healthcare sharing ministries out there. They can be a fraction of the cost of a health insurance plan and have been solid options for many people for many years now. The problem is that you are reasonably healthy until the day you aren'...
by midareff
Mon Jul 02, 2018 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2343

Re: Health Insurance for Retirees, % escalation

My wife is on my former employer's plan for which I pay calculated cost, currently $569.88 monthly. No annual deductible, annual checkups n/c, primary $15 copay, specialist $30 co pay. Labs or tests at lab company n/c, at hospital $100. Drug coverage excellent. It has been increasing about 7% a year...
by midareff
Sun Jul 01, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5375

Re: Do Advisers Add $$$ Value?

. Costs matter (no matter what anyone tells you), they are guaranteed. A 1% advisor fee can account for 25% of your withdrawal rate. Putting it another way, in this case, for every $100 you withdraw, $25 goes to the pocket of the advisor, $75 goes to you. Robert . Says it all AFAIC. ... and then th...
by midareff
Sun Jul 01, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: What’s your plan for a market downturn?
Replies: 114
Views: 9377

Re: What’s your plan for a market downturn?

70.5 and now into year 7 of retirement. Somewhere between 17 and 18 years of draw in bonds without counting dividends. ... probably 22 + if I do. I've been so busy the last few years II have a huge backlog of all the doin' nothing I was supposed to be doin'. I suppose I'll just try and catch up on a...
by midareff
Sun Jul 01, 2018 7:15 am
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5375

Re: Do Advisers Add $$$ Value?

. Costs matter (no matter what anyone tells you), they are guaranteed. A 1% advisor fee can account for 25% of your withdrawal rate. Putting it another way, in this case, for every $100 you withdraw, $25 goes to the pocket of the advisor, $75 goes to you. Robert . Says it all AFAIC. ... and then th...
by midareff
Sun Jul 01, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 12650

Re: What are your property taxes?

Property tax is $3600 on a $550K condo which includes fire and school tax as well as local municipal. 7% sales tax, no state income tax ... warm sunny Florida.
by midareff
Sat Jun 30, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Why visa
Replies: 55
Views: 5375

Re: Why visa

Cash back....................
by midareff
Sat Jun 30, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Five Year Portfolio Update
Replies: 7
Views: 1150

Re: Five Year Portfolio Update

buckskinbowman wrote:
Sat Jun 30, 2018 10:48 am
I think you are doing great! You seem to have a good grasp of retirement investing for someone so young. Keep it up!
+1

Looks like you have a good handle on things.
by midareff
Fri Jun 29, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: 6 hour layover on Heathrow
Replies: 54
Views: 4746

Re: 6 hour layover on Heathrow

randomizer wrote:
Sat Jun 02, 2018 3:41 pm
I probably wouldn’t bother leaving the airport with so few hours. Security etc really eats into the time.
Agreed, with transit time both ways and getting a family of four back through security I would not bother. I don't like to see historic sights on a dead run.
by midareff
Fri Jun 29, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Best way to clean eyeglasses?
Replies: 59
Views: 3772

Re: Best way to clean eyeglasses?

Dish detergent and a microfiber cloth that is intended specifically for use with optical lenses. Avoid using paper towels or dirty cloths that might scratch because of wood or textile fibers or particles. Same here..... liquid name brand dish soap and an optical lens specific cleaning cloth. If not...
by midareff
Thu Jun 28, 2018 7:58 am
Forum: Personal Consumer Issues
Topic: Save on inflated mobile $$$ plans ?
Replies: 15
Views: 1178

Re: Save on inflated mobile $$$ plans ?

I went from AT&T to Consumer Cellular. Unlimited talk and text, we use very little data. 2 lines is $41 a month, our own phones.
by midareff
Wed Jun 27, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 161
Views: 14671

Re: Did you celebrate when you finally hit $1m?

for me these numbers are almost meaningless. $1.3M early 1997 and <$500K when it was done. 15 years to recover. IMHO, when it's all said and done it's your "SAFE" money that really counts.
by midareff
Wed Jun 27, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 11625

Re: When did you start flying business class?

To BHs who regularly fly business class, when did you start? Was it after you reached a certain age? Reached a certain net worth? Was it worth it, in your opinion? My wife and I are in our early 40s. We will be travel to Asia soon. My MIL gently suggested flying biz class. I just couldn’t justify p...
by midareff
Wed Jun 27, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14697

Re: How much (green) cash at home for emergency ?

I keep about $2K in a home safe. Mostly used for trip pocket money.
by midareff
Wed Jun 27, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: 60/40 or 40/60?
Replies: 42
Views: 4509

Re: 60/40 or 40/60?

Hello. I'm 69. Retired. Live off SS and savings. Current investment allocation is 60 equities, 40 bonds. Thinking of reversing allocation to 60 bonds/40 stocks through midterms. Objective is to buy a little insurance for portfolio if tariff trade war deepens. Thoughts, please. I was with you until ...
by midareff
Thu Jun 14, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17416

Re: Life in retirement - what did you do today?

We finished for our trip to the Ukraine on the Viking Sineous. Leaving tomorrow back on the 26th. Hired a nice local kid to pickup the mail and water our house plants, limo coming to take us to the airport at 1:30 tomorrow. The only decision I have agonized over is what camera gear to pack or carry....
by midareff
Thu Jun 14, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 3682

Re: Paying off mortgage early

chevca wrote:
Thu Jun 14, 2018 10:52 am
someuser001 wrote:
Wed Jun 13, 2018 9:28 pm
What is the Bogleheads position on paying off mortgage early?
Pretty much 50% say do it and 50% say don't. :happy

Personal preference.
and individual current and expected cash and income flows.
by midareff
Thu Jun 14, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7359

Re: Boring Job

Tell the boss you want to do more and contribute more to the organization than you are currently doing.
by midareff
Thu Jun 14, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 3682

Re: Paying off mortgage early

I am on the other side of this. My mortgage with 10 years left is 2.625%, which is 2.00% after federal tax, and I can earn more than this on munis; therefore, I can earn more taking very little risk if I buy bonds rather than paying down my mortgage. I actually choose to buy the bonds in my employe...
by midareff
Thu Jun 14, 2018 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Couch Potato Portfolio Question
Replies: 7
Views: 460

Re: Couch Potato Portfolio Question

I retired in 2012 and moved (rolled over) all my deferred compensation and 457 monies to a Vanguard IRA. I put the money in Total US Index, Total International Index and a Short Term and Intermediate Term Bond Index + a dash of High Yield. This is my first year of RMD so outside of conversions to Ro...
by midareff
Wed Jun 13, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Why don't we index the Nasdaq too?
Replies: 16
Views: 2101

Re: Why don't we index the Nasdaq too?

JoMoney wrote:
Wed Jun 13, 2018 4:13 am
midareff wrote:
Tue Jun 12, 2018 4:49 pm
Just wondering.. we index the TSM, the S&P500, the TISM.. why not the Nasdaq? Fidelity has a fund that does that FWIW.
Have you heard or read about what his recommendations are?
Really Jo?
by midareff
Tue Jun 12, 2018 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Why don't we index the Nasdaq too?
Replies: 16
Views: 2101

Why don't we index the Nasdaq too?

Just wondering.. we index the TSM, the S&P500, the TISM.. why not the Nasdaq? Fidelity has a fund that does that FWIW.
by midareff
Tue Jun 12, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17416

Re: Life in retirement - what did you do today?

I was soooo busy yesterday I never had a chance to catch up on all the "doin' nothing" I was supposed to do. That is really going to throw a curve into today's activities as I have both today's and yesterday's "doin' nothing" to catch up on, and I still have to start packing for our trip..
by midareff
Tue Jun 12, 2018 9:14 am
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 5340

Re: The Deep History of Stock & Bond Returns

It certainly merits a thoughtful re-evaluation of how much safe money is really needed.
by midareff
Mon Jun 11, 2018 5:21 pm
Forum: Investing - Theory, News & General
Topic: Do Small Caps Outperform?
Replies: 61
Views: 4081

Re: Do Small Caps Outperform?

Great question. Go to M* and ploit SCV against the Nasdaq. Use any time frame you like and let me know the answer. ... by PM since we would not like to let the secret out and have it arbitraged away.