Search found 5613 matches

by midareff
Fri Aug 17, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 90
Views: 7463

Re: As an American, where are some great places in the world to retire?

Thailand and Panama come to mind right off........ lots of English spoken, low to very low cost of living and I include medical in that. Very friendly and courteous people. Good financial and banking systems. Panama is on the top of most internet lists these days. I will probably be there this wint...
by midareff
Thu Aug 16, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 90
Views: 7463

Re: As an American, where are some great places in the world to retire?

Thailand and Panama come to mind right off........ lots of English spoken, low to very low cost of living and I include medical in that. Very friendly and courteous people. Good financial and banking systems. Panama is on the top of most internet lists these days. I will probably be there this wint...
by midareff
Thu Aug 16, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Mail order pharmacy
Replies: 45
Views: 1399

Re: Mail order pharmacy

dm200 wrote:
Thu Aug 16, 2018 10:12 am
Might you check with your insurance company - if you have drug coverage?

I get almost all my refills (90 days) by mail.
Same here and we also have some supplements we take on auto send with CVS at (I think) 30% discount no shipping or tax.
by midareff
Wed Aug 15, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 2978

Re: Best consumer products - made in USA

Lots of high-end audio gear (Conrad-Johnson, McIntosh, Pass Labs, Vandersteen, and numerous others)! including Audio Research. not to overlook Jack Bogle Vineyards wine..... I'm a fan of his Cab when not tasting a Speyside Scotland Single Malt such as Aberfeldy 12 or Glenlivit Founder's Reserve.
by midareff
Wed Aug 15, 2018 3:42 pm
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 90
Views: 7463

Re: As an American, where are some great places in the world to retire?

Thailand and Panama come to mind right off........ lots of English spoken, low to very low cost of living and I include medical in that. Very friendly and courteous people. Good financial and banking systems.
by midareff
Mon Aug 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4714

Re: How often do you check your brokerage accounts

Monthly... bond funds pay monthly and some reinvest, some send to bank and RMD's done monthly. I keep a sharp eye on all of it.
by midareff
Mon Aug 13, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets
Replies: 67
Views: 9560

Re: New York Times--Vanguard Warns of Worsening Odds for the Economy and Markets

The one thing you can always count on...... lots of forecasts from lots of places and since nobody knows nothing, nothing is not actionable.
by midareff
Mon Aug 06, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2418

Re: My Credit Card Rewards Strategy

If you have suggestions please let me know. I am 25 single and male, and my FICO score is 780. Cards: Chase AARP - 3% back on dining / gas Uber Visa Barclay Bank 4% cash back dining Chase Freedom - 5% rotating categories Discover 5% Rotating Discover IT - 1% / 5% rotating categories PenFed Gas 5% c...
by midareff
Sun Aug 05, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: S&P and other index investment options with Floor and Ceilings
Replies: 11
Views: 928

Re: S&P and other index investment options with Floor and Ceilings

MotoTrojan wrote:
Sun Aug 05, 2018 12:52 pm
midareff wrote:
Sun Aug 05, 2018 12:50 pm
All that stuff is way to smart for me. KISS.
And when you do understand it you’ll realize why it’s a bad idea too.
All you had to say was insurance, ceiling, floor and ...... that was all I needed to hear. That itch you feel on your thigh is someone else's hand in your pocket.
by midareff
Sun Aug 05, 2018 12:57 pm
Forum: Investing - Theory, News & General
Topic: Good biotech funds
Replies: 22
Views: 1639

Re: Good biotech funds

I'd like to invest in biotech companies. Can anyone suggest a good fund that isnt to deep into experimental/risky companies? Im thinking something more long term and steady. I don't know who is who in pharma world but I do know genetics are the big focus these days Awhile back I identified 65 secto...
by midareff
Sun Aug 05, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2423

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

AFAIC, you have to live somewhere and everywhere costs. It could be rent, it could be a mortgage ... but it has a monthly cost that has to fit in the budget. I do not entangle line items in a budget with a portfolio. What if you've paid off the mortgage on your home? Could the difference in cost be...
by midareff
Sun Aug 05, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: eBay seller issue
Replies: 10
Views: 861

Re: eBay seller issue

cashmoney wrote:
Sun Aug 05, 2018 11:24 am
I wouldn't waste time with this especially since this buyer knows how to game the system. Ebays sellers forums are full of stories like this.
I had it done to me and eBay/PayPal didn't even follow their own written policies. Wrote to the COO and never heard anything back. Just resell it.
by midareff
Sun Aug 05, 2018 7:47 am
Forum: Investing - Theory, News & General
Topic: How do you think about your mortgage in relation to your stock/bond portfolio?
Replies: 32
Views: 2423

Re: How do you think about your mortgage in relation to your stock/bond portfolio?

AFAIC, you have to live somewhere and everywhere costs. It could be rent, it could be a mortgage ... but it has a monthly cost that has to fit in the budget. I do not entangle line items in a budget with a portfolio.
by midareff
Sat Aug 04, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: Touring Singapore in October
Replies: 9
Views: 613

Re: Touring Singapore in October

Sentosa Island is a MUST! https://www.tripadvisor.com/Attractions-g294264-Activities-Sentosa_Island.html Wife and I went back a few years as she had a conference so I went touring with a local company. Wish I could remember the name but can't right now. The island is beautiful, like a manicured esta...
by midareff
Sat Aug 04, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3608

Re: Do you think I am being too conservative on buying a house?

John... to me the most blatant question is why would you want to buy a one bedroom condo with someone pushing to get pregnant? and start a two or three child family. Are you buying it because you want a rental property? which may make buying a larger residence for you and children much more difficu...
by midareff
Fri Aug 03, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4206

Re: Gated communities pros and cons? (Atlanta or anywhere.)

We live in a gated condo community. 24/7/365 Concierge and security + cameras everywhere. We feel very safe with it and while we don't have kidz (retired folk) we can see that kids are safe playing on the property if for no other reason than the restricted traffic flow. I don't have a real con, pizz...
by midareff
Fri Aug 03, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Do you think I am being too conservative on buying a house?
Replies: 46
Views: 3608

Re: Do you think I am being too conservative on buying a house?

John... to me the most blatant question is why would you want to buy a one bedroom condo with someone pushing to get pregnant? and start a two or three child family. Are you buying it because you want a rental property? which may make buying a larger residence for you and children much more difficul...
by midareff
Fri Aug 03, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2224

Re: Charitable giving strategy

Earl... charitable giving can get very personal but at the end of the day I want to help those that can not help themselves. With one exception my giving is directed at charities for children needing help, mostly medical attention. I give to the Fred Hollows Foundation, UNICEF, Operation Smile, The ...
by midareff
Wed Aug 01, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: How Often to Adjust Target Asset Allocation
Replies: 10
Views: 795

Re: How Often to Adjust Target Asset Allocation

We are 7 years .. well, 7.5 now retired. RMD in place started this year. I draw my RMD from the ST Bond Index in my IRA and I also draw from IT Tax-Ex in my taxable account. The IT is funded for about 17 years draw and the ST Index is funded for roughly 2.5 years, and rebalanced into 2X annually. If...
by midareff
Sat Jul 28, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: AAA & AARP = Travel Benefits?
Replies: 27
Views: 2399

Re: AAA & AARP = Travel Benefits?

Between AARP, AAA, Senior and Government/Military there is almost always a discount around somewhere for hotels and many restaurants.
by midareff
Fri Jul 27, 2018 7:02 am
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9258

Re: Toughest Purchase of my Life. Engagement Ring time

randomguy wrote:
Thu Jul 26, 2018 1:15 pm
Sort of depends on if 7800 is 25% of a years savings or 200% of a years savings. Compared to the rest of the cost of marriage, it is noise. Being married will either cost your or make you orders of magnitude more than that.
LOL, it's probably less than one door of your next SUV.
by midareff
Thu Jul 26, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: An argument against self-insuring for long-term care
Replies: 214
Views: 10384

Re: An argument against self-insuring for long-term care

My situation is different to a very large degree. I'm 70.5 now and wife, who is Thai, is 55. Her cultural and religious (Buddhist) upbringing would have her care for me regardless. Should assistance ever be needed we would move to Bangkok where live in help is very inexpensive.
by midareff
Wed Jul 25, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

My specialist prescribed a new type mask which was wonderful, most comfortable ever. Insurance carrier supplied one and then decided they would not supply anymore since they cost more than medicare allowed. I bought supplies on eBay for about 7 months and they sent me a notice they could supply my ...
by midareff
Wed Jul 25, 2018 12:39 pm
Forum: Personal Consumer Issues
Topic: Do you like technical conferences?
Replies: 19
Views: 895

Re: Do you like technical conferences?

I always went to technical conferences, exhibitons, webinars and everything else available in my field.
by midareff
Mon Jul 23, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 35
Views: 4199

Re: Cell phone tip: block callers

JBTX wrote:
Sun Jul 22, 2018 8:44 pm
These days that feature isn't that useful. Most unwanted calls come from sources that use rotating numbers or spoof other legitimate numbers.
and it's not like the phone line supplier does anything to stop this either.
by midareff
Mon Jul 23, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

My specialist prescribed a new type mask which was wonderful, most comfortable ever. Insurance carrier supplied one and then decided they would not supply anymore since they cost more than medicare allowed. I bought supplies on eBay for about 7 months and they sent me a notice they could supply my ...
by midareff
Sun Jul 22, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Where do you buy CPAP replacement parts?
Replies: 38
Views: 2471

Re: Where do you buy CPAP replacement parts?

My specialist prescribed a new type mask which was wonderful, most comfortable ever. Insurance carrier supplied one and then decided they would not supply anymore since they cost more than medicare allowed. I bought supplies on eBay for about 7 months and they sent me a notice they could supply my s...
by midareff
Sun Jul 22, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7108

Re: How do you handle the urge to DO something?

The Boglehead philosophy is to decide on your long term investment strategy, allocate your assets accordingly and then do nothing outside of an annual rebalance for the next 20/30/40/50+ years. That is difficult for me because I am a doer, I have to struggle daily to just leave it. My brain knows i...
by midareff
Fri Jul 20, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3489

Re: Fake IRS calls - anybody care?

Why dont you just block the number - almost all cell phones have this feature. Lot of time I just hear the opening words from the other side and block the number without uttering a word. Dont use third party apps for caller identification - you will start receiving more spam. Also I believe any gov...
by midareff
Fri Jul 20, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Fake IRS calls - anybody care?
Replies: 62
Views: 3489

Re: Fake IRS calls - anybody care?

LOL, they said the police would be coming out to arrest me as I broke out laughing.
by midareff
Thu Jul 19, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Ratio of CDs to Bonds
Replies: 5
Views: 773

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: 1490

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: 1490

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: 1490

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: 1490

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: 63
Views: 3568

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: 3631

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: 1693

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: 92
Views: 6874

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: 34
Views: 2405

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: 115
Views: 7181

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: 91
Views: 6780

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: 4915

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: 1679

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: 3208

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: 9400

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: 4551

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: 2497

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. ...