Search found 5582 matches

by midareff
Thu Jul 19, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ratio of CDs to Bonds
Replies: 5
Views: 647

Re: Ratio of CDs to Bonds

In your calculations remember tax free munis in taxable vs. taxed CDs can make a difference.
by midareff
Thu Jul 19, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1284

Re: When you kook across the horizon.....

I've been doing nothing successfully for many years now. In fact, I've discovered that the less I do, the more successful I am. :sharebeer That miust be the problem... lately I've been so busy I have not been able to do all the doin' nothing I scheduled. Actually, I've got lots of doin' nothing l w...
by midareff
Thu Jul 19, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1284

Re: When you look across the horizon.....

cheese_breath wrote:
Thu Jul 19, 2018 7:14 am
It depends on what you see when you look over there. A lot of people come here looking for help because the view isn't very good.
looks pretty peachy to me cheese.
by midareff
Thu Jul 19, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1284

Re: When you kook across the horizon.....

LadyGeek wrote:
Wed Jul 18, 2018 9:10 pm
samsdad wrote:
Wed Jul 18, 2018 5:49 pm
If only we could edit the topic once we poat . . .
The OP can change the title by editing the Subject: line in Post #1. (So can a moderator. I fixed the spelling.)
arthritis and key tapping is a wonderful thing.
by midareff
Wed Jul 18, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: When you look across the horizon.....
Replies: 13
Views: 1284

When you look across the horizon.....

how important is doin' nothing?
by midareff
Wed Jul 18, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 56
Views: 2483

Re: Europe travel Qs

Check out the Uber Visa. 4% cash back at restaurants, 3% at hotels and no foreign transaction fees.
by midareff
Wed Jul 18, 2018 6:58 am
Forum: Personal Consumer Issues
Topic: 35 minute connection for flight, long enough?
Replies: 65
Views: 3166

Re: 35 minute connection for flight, long enough?

If they are both the same airline and you don't have any checked bags or decent choices maybe. I don't like anything under an hour and prefer two hours.
by midareff
Tue Jul 17, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Alaska Trip/Cruise Summer of 2020. Help me plan
Replies: 23
Views: 1508

Re: Alaska Trip/Cruise Summer of 2020. Help me plan

We went to Alaska in June last year. We started with a couple of days in Vancouver before we boarded a Princess Cruise Lines Ocean and Land Tour of Alaska. Excluding the portion we added in Vancouver it was about a two weeks or two weeks and a couple day trip. It was terrific, the Ocean and Land por...
by midareff
Mon Jul 16, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 76
Views: 4925

Re: Families - What's your total annual credit card spend?

Also about $110K. Everything but electric, mortgage, car payment, condo insurance and EFTPS quarterly. Retired with lots of travel.
by midareff
Mon Jul 16, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Passport expiration time rules for France
Replies: 33
Views: 1940

Re: Passport expiration time rules for France

Bfwolf wrote:
Mon Jul 16, 2018 4:41 pm
I am also seeing some web sites saying 6 months from day of entry. Since you have plenty of time til October, why not renew passports now?
Everything I have seen is 6 months remain from time of entry. I'd renew now.
by midareff
Mon Jul 16, 2018 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone not have a Budget?
Replies: 114
Views: 6313

Re: Anyone not have a Budget?

It's not a real budget since the combined monthly expenses including dining out and such probably don't vary $100 a month. Lump expenses are escrowed for and include car and comndo insurance, EFTPS IRS payments and property tax, so that is a month to month constant as well. Future cruise and travel ...
by midareff
Sun Jul 15, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3671

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: 39
Views: 4552

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: 1576

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: 3104

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: 8946

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: 4340

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: 2391

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: 3989

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: 49207

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: 49207

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: 8690

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: 5067

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: 5067

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: 3027

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: 2899

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: 676

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: 59698

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: 2696

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: 716

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: 2380

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: 653

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: 2380

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: 3140

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: 2380

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: 2380

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: 5473

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: 9504

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: 5473

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: 12854

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: 5447

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: 1165

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: 4755

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: 3848

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: 1199

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: 14719

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: 11720

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: 14750

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

I keep about $2K in a home safe. Mostly used for trip pocket money.