Search found 6008 matches

by Ron
Mon Oct 16, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Bonus pushed back - should I be annoyed?
Replies: 38
Views: 1817

Re: Bonus pushed back - should I be annoyed?

I retired from a global company (worked at/for U.S. division, Corporate HQ was in Europe) for 28+ years. Often times, I myself questioned the "fairness" of what was the local standard in other countries, of which we had divisions in over 140 countries. As you stated, some "soft" benefits, such as ex...
by Ron
Sun Oct 15, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - how does insurance company know you died?
Replies: 49
Views: 2503

Re: Annuities - how does insurance company know you died?

I assume they just stop paying at age 114, the zero survivor rate on the SSA Actuarial Life Table (2014 data) unless notified earlier :twisted: ...

- Ron
by Ron
Fri Oct 13, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 64
Views: 3549

Re: How many miles/years do you keep your car?

I've gone through a lot of different vehicles in my 69+ years, but when I traded them had more to do with functionality rather than just how many years I owned them or the number of non-0 digits on the odometer. The first car I purchased (new) was in 1969, when I had just returned from Nam, was a '6...
by Ron
Thu Oct 12, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Does Vanguard make sense without a computer ?
Replies: 22
Views: 2217

Re: Does Vanguard make sense without a computer ?

My grandmother opened her Wellington account in the mid-50's, before Vanguard came to be. She had no communications other than mail. In those days, a lot of folks (including her) had "party lines", where your phone line was shared with others in the neighborhood. There was no discussion of finances ...
by Ron
Thu Oct 12, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2284

Re: Going First Class

adamthesmythe wrote:
Thu Oct 12, 2017 2:29 pm
You can't be that rich if you still have to fly commercial.
How true :mrgreen: ...

- Ron
by Ron
Fri Oct 06, 2017 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 3946

Re: Retirees, how and how much do you pay for health insurance?

Based upon 2017 premium costs for me/wife (both age 69): AARP/UHC Plan "F": $152.92/month - each. $3670.08/year total. My Aetna RX plan: $37.30/month. $447.60/year total. Her Humana RX plan: $17.00/month. $204.00/year total. My SS Part B premium: $134.00/month. $1608/year total. Her SS Part B premiu...
by Ron
Fri Oct 06, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1455

Re: River cruise recommendations (Europe)

We've just returned from a Viking Cruise, Paris to Normandy (bus to D-Day beaches) in mid-September, and have already booked our next trip for late next year - Lyon to Avignon. Since I spent a lot of time in Lyon for work a few decades ago, I'll get to see if my usual "haunts" are still serving, esp...
by Ron
Thu Oct 05, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity: can no longer use first initial, middle name
Replies: 30
Views: 2503

Re: Fidelity: can no longer use first initial, middle name

No problem here; I have no middle name :mrgreen: ...

While I was in the military, my records were annotated "NMI" where the middle initial would be stated. It takes government to make three initials out of one :twisted: ...

- Ron
by Ron
Mon Sep 25, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3094

Re: Social Security Question

Short term gain; long term pain :twisted: ...

Since I turn 70 in January, I'll expect the call in the next few months. Now I have to come up with a "phone script" (like they read from) as a comeback to their proposal.

- Ron
by Ron
Mon Sep 25, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: T-Mobile promotion for 55+

Just an update on our France trip from just over a week ago. Plan worked as stated. We were at 3G speeds during our trip, sending e-mails/texts (with pictures) with no problem and just a bit slower than the 4G we have in CONUS. I didn't even use the wi-fi on the riverboat since I could direct connec...
by Ron
Mon Sep 25, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: Tipping question....Applebees
Replies: 87
Views: 6768

Re: Tipping question....Applebees

At 18% (what I normally tip) you would be paying the server (who probably splits the tip with others, who also work a probably minimum wage job) an additional 53 cents.

Really - this upsets you? :oops:

- Ron
by Ron
Mon Sep 25, 2017 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5073

Re: Bogleheads monthly costs of dog ownership?

But we have a sheltie with a thick coat, and grooming her (particularly drying her) can take over an hour. Yes, but some shelties groom themselves because the outer and inner coats are proportional. Just a little brushing and one is all set. From another thread, this dog is 11-12 years old: http://...
by Ron
Sun Sep 24, 2017 12:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead of another species
Replies: 9
Views: 1311

Re: Boglehead of another species

I see she's paper trained...

- Ron
by Ron
Sat Sep 23, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Help?! My 70 year old father is 100% invested in equities
Replies: 79
Views: 7279

Re: Help?! My 70 year old father is 100% invested in equities

1). Most 70 year old still have active, fully functioning minds. 2). Your dad must be relatively savvy if he has 7 figures. 3). He must be very comfortable on how he is managing his money 4). Let him be unless asked. Several roads leading to Dublin. Yup :annoyed (I'll be 70 in early January :twiste...
by Ron
Wed Sep 20, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments
Replies: 5
Views: 921

Re: Social Security - Applying Online for Age 70 Benefit - Avoiding Retroactive Payments

Ever since I filed and suspended I have not been able to sign into an account for myself on-line. I did the file/suspend at FRA, 3+ years ago. I can still sign on my account to review the status (e.g. earnings, direct deposit info, etc.). The only thing I can't do is get a statement. That is easy e...
by Ron
Tue Sep 19, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Convertible in Florida or not...
Replies: 38
Views: 2382

Re: Convertible in Florida or not...

<snip...> The roofs need to be replaced pretty often - probably replaced ours about every 5 years. That gets old. Really? I've owned my '02 Mustang GT ragtop for the last 15 years and the top still looks (almost) like new :wink: ... As to the OP's question, you may not be able to have the top down ...
by Ron
Mon Sep 11, 2017 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use Financial Engines?
Replies: 50
Views: 44957

Re: Anyone use Financial Engines?

One other thing to remember; F.E. expects you to convert your investments into a guaranteed income source - a life annuity, at retirement.

- Ron
by Ron
Mon Sep 04, 2017 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Best way to withdraw from traditional IRA
Replies: 8
Views: 1254

Re: Best way to withdraw from traditional IRA

I've been retired for just over a decade, my wife for just over five years. In preparation for our respective retirements, we each had (and still do) 3-4 years of cash in tax deferred MM accounts. Many would substitute with a short term bond fund for some/all of "reserve funds", but we just let it i...
by Ron
Sun Sep 03, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Things to buy/repair before (early) retirement
Replies: 32
Views: 3674

Re: Things to buy/repair before (early) retirement

<snip...>Though really if you have done your retirement budget to include replacement costs it shouldn't matter. Exactly. I've been retired for just over a decade. In that time, I've purchased two vehicles. One was a CPO (off-lease, driven for 3 years/36k) and I drove it until it passed the 10 year...
by Ron
Sat Sep 02, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: OSWAN: Optimum Sleep Well At Night retirement plan
Replies: 37
Views: 3239

Re: OSWAN: Optimum Sleep Well At Night retirement plan

<snip...>... My older brother had all his 3 sons graduated and started their careers. He passed his full physical exam with no problem. Then, he fainted in the bathroom. They found an inoperable brain tumor in his head. He died 6 months later. Man plan, God laughs! KlangFool There are only so many ...
by Ron
Fri Sep 01, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Question about pension and risk
Replies: 36
Views: 2190

Re: Question about pension and risk

Would you take more risk when you start SS? I have an SPIA - not a pension, but acts like a non-governmental pension (e.g. no COLA). I didn't change my 60/40 AA a decade ago when I started receiving payments. In February, I'll start getting my monthly SS deposit. Even when that starts, I will not ch...
by Ron
Tue Aug 29, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Relative angry I will not co-sign
Replies: 90
Views: 8165

Re: Relative angry I will not co-sign

As my parents used to tell me (quite often), "you've made your bed, now sleep in it"...

Unless you contributed to the situation he's in, there is no reason for you to bail him out.

- Ron
by Ron
Mon Aug 28, 2017 7:50 am
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: T-Mobile promotion for 55+

Thanks . Switched to this plan . Wondering if I still need to pay $42 to timewarner for internet connection with my new 27 inch iMac late 2015 model. I heard about tethering . Should this work with my T-Mobile plan and iMac ? If so and I can save$42 per month, how do I tether? Tia Tethering is poss...
by Ron
Sun Aug 27, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: T-Mobile promotion for 55+

<snip...>We travel overseas a lot and T-Mobile's 2G-3G speed is more than good enough for emails, texting, maps. The plan works well in South America, Asia & Europe for us. Few of our friends works in the airline industry and says most/all of them are on T-Mobile, this way as soon as they get off t...
by Ron
Thu Aug 24, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 9014

Re: Living Expenses - what's "reasonable"?

I consider taxes to be an expense rather than exclude them from income. I think it may be better to exclude income taxes and FICA from expenses. The reason, perversely enough, is that those items correlate to income, not after-tax expenses. Two people each have $50,000 annual after tax expenses. On...
by Ron
Wed Aug 23, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4225

Re: What do you do with RMD money you don't need?

So it is very crucial to reduce your future RMD by eliminate pre-tax portion before 70 1/2. This is not necessarily correct... True. I could die tomorrow and leave my TIRA to charity with no taxes due. Currently, the tax laws state that the charity needs to be a named beneficiary of your TIRA in or...
by Ron
Wed Aug 23, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4225

Re: What do you do with RMD money you don't need?

My wife/me will both be starting RMD's in 2018, along with our respective age 70-SS. As for the few extra $K we'll have (after taxes) each month, we'll probably just spend it rather than reinvest it; at least that's the plan for now. We've spent decades saving/investing for the future; for us, the f...
by Ron
Tue Aug 22, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14895

Re: How far would you travel to see The Eclipse?

I'll be able to see it from my back yard on May 1, 2079.

Unfortunately, I'll be 131 years old :mrgreen: ...
I guess I'll just skip it.

- Ron
by Ron
Tue Aug 22, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Medicare when not collecting Social Security
Replies: 17
Views: 1410

Re: Paying for Medicare when not collecting Social Security

I've been paying it automatically from my checking account for the last three plus years. While I get a monthly bill in the mail, it's noted that the payment will come out of my checking on the 20th. I don't put it on a card since I don't want to write a check or use a stamp.

- Ron
by Ron
Mon Aug 21, 2017 2:22 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 6114

Re: Where to buy glasses for eclipse viewing ?

aristotelian wrote:
Mon Aug 21, 2017 2:20 pm
They are about to get very cheap on Ebay in 3, 2, 1...
Keep them for April 8, 2024...

- Ron
by Ron
Mon Aug 21, 2017 8:49 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 13569

Re: I own no international stocks. Can you guess why?

Because he owns international funds :happy ...

- Ron
by Ron
Sun Aug 20, 2017 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10548

Re: Anyone planning on never retiring?

<snip...>I am 58, and I don't ever see myself retiring. It's not that I wouldn't have the money to do so, it's that I still feel young, I want to be challenged, I like the structure of working, and I need the social contact. You don't have to have a job to feel young, be challenged, and have social...
by Ron
Sun Aug 20, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: is yodlee moneycenter dead?
Replies: 18
Views: 3803

Re: is yodlee moneycenter dead?

I use it but on my bank's website and it was working fine earlier today. Maybe there is something wrong with their website, but their servers must be up. The pulls for your accounts with other software (e.g. VG, FIDO, your bank, etc.) will work fine, since they use the Yodlee software "under the co...
by Ron
Sat Aug 19, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: is yodlee moneycenter dead?
Replies: 18
Views: 3803

Re: is yodlee moneycenter dead?

Here's the link to the new site: https://money.yodlee.com/pfm3/registration It's a bit of a pain since they went to two factor security (via text & email) and I've already sent a note to their development folks that I want a way to change the dashboard to eliminate two displays I don't use (spending...
by Ron
Sat Aug 19, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate SPIA purchase
Replies: 12
Views: 1169

Re: Help me evaluate SPIA purchase

Being one that actually purchased a (non-inflation adjusted) SPIA a decade ago, I only thing I can add is that I believe you're not necessarily a candidate at this time for the purchase of such a product. Unlike you, I did not have current income that met my expense needs. I retired at age 59 with n...
by Ron
Fri Aug 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 10548

Re: Anyone planning on never retiring?

Oops - too late!

Already retired (just over a decade) and having a ball TYVM :mrgreen: ...

Work was something I had to do; retirement is something I want to do. As the mickey d's commercial says, "I'm loving it"...

- Ron
by Ron
Wed Aug 16, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 11
Views: 2180

Xmas bonus for Honorably discharged veterans

I came upon this discussion on M* which discusses on-line purchasing of products by vets from the military exchanges, not only those that are military retirees:

http://socialize.morningstar.com/NewSoc ... px#3861189

I'm passing it on for those that are interested.

- Ron
by Ron
Tue Aug 15, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 179
Views: 11211

Re: Postal Service -- "informed delivery"

Do folks still get things of value in the mail? I switched everything to paperless billing. I occasionally get replacement credit or debit cards in the mail, but everything else is junk. I still receive all household bills in the mail. Since I either charge them to my credit card or do a direct deb...
by Ron
Mon Aug 14, 2017 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 5989

Re: Plan for making child pay for part of college

Back to the OP's question, we (wife/me) made a "deal" with our son in which we would pay 66% tuition/room & board and our son would pay 33%. He stayed in the dorm for the entire time he was at the university. We paid 100% of all other expenses (books, car, insurance, misc.) for the 4.5 years he atte...
by Ron
Sun Aug 13, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: T-Mobile promotion for 55+

neilpilot wrote:
Sun Aug 13, 2017 6:01 pm
Is there an option to have a 3rd line?
Not under the One 55+ plan. The T-Mobile site recommends the standard One plan for those that need more phones. See https://www.t-mobile.com/offers/t-mobil ... 5SGJSG9625 for details.

- Ron
by Ron
Sun Aug 13, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: T-Mobile promotion for 55+

whodatheads wrote:
Sun Aug 13, 2017 5:40 pm
so $60 for two lines. Does the users of the two lines has to be both >55? I'm >55 but my son is 25.
No, just the primary account holder.

- Ron
by Ron
Sun Aug 13, 2017 1:37 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: Just saved $1000 / year on mobile plan

We pay about $13/month for two lines on Tracfone. I need unlimited data for business reasons. We're both retired but still use data fairly heavily on our individual phones, averaging 6-8GB per month. Under the old plan we had early last year, we were limited to 2GB before overages started. Since go...
by Ron
Sun Aug 13, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8310

Re: Just saved $1000 / year on mobile plan

I only saved $480/year since I already was using their T-Mobile "One" plan (2 phones, unlimited phone/text/data plus all taxes/fees included) for $100. I signed up this week after "student " posted a notice on this board. We leave in early September for our trip to France. Normally, I would get a T-...
by Ron
Sun Aug 13, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Expect to spend $2.6M on healthcare?
Replies: 66
Views: 6572

Re: Expect to spend $2.6M on healthcare?

livesoft wrote:
Sun Aug 13, 2017 12:13 pm
I wouldn't worry about it. You will get an EOB with "Billed amount: $2,600,000" and "Allowed Charges: $192.15" and "What You Own: $0.00."
:thumbsup :mrgreen: ...

- Ron
by Ron
Sat Aug 12, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Public vs Private Elementary
Replies: 57
Views: 3468

Re: Public vs Private Elementary

Also attending a parochial school, I was well instructed in the religious component. If you/your wife want your children to be exposed in the same manner that you yourself probably were, it may be a consideration in your decision.

- Ron
by Ron
Sat Aug 12, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14895

Re: How far would you travel to see The Eclipse?

365 million miles. That's the distance to Jupiter, which has 67 moons (more of a chance to see a partial/full eclipse) :mrgreen: ... - Ron Only five of the Jovian moons are capable of completely occulting the Sun: Amalthea, Io, Europa, Ganymede and Callisto. All of the others are too small or too d...
by Ron
Sat Aug 12, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Experience with Modular/Manufactured Homes
Replies: 14
Views: 1625

Re: Experience with Modular/Manufactured Homes

Regardless of the type of housing, most local zoning ordinances define what can be put on a lot regardless if it's a modular, manufactured, or stick built on site. That's where a lot of problems occur in placing non-stick built housing. My wife/me owned a 12x60 mobile home (trailer) back in the earl...
by Ron
Sat Aug 12, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down home or increase Retirement Contributions
Replies: 21
Views: 1471

Re: Pay down home or increase Retirement Contributions

Don't forget, that $80k interest requires you to earn an amount much more than $80k to net out your prepayments. Although our situation was much different (with a mortgage/note rate of 6.875%) back in the early 90's when we had our current/retirement home built, it's something to think about. In our...
by Ron
Sat Aug 12, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14895

Re: How far would you travel to see The Eclipse?

365 million miles. That's the distance to Jupiter, which has 67 moons (more of a chance to see a partial/full eclipse) :mrgreen: ...

- Ron
by Ron
Sat Aug 12, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3405

Re: Elite status clubs that you are part of?

VictoriaF wrote:
Sat Aug 12, 2017 10:31 am
Mensa.

Victoria
And to represent the other extreme, I'm a member of Densa :twisted:

If you're not sure if you can be a member of Densa, take the test:
http://home.utah.edu/~msm25/Funnies/densa.html

- Ron