Search found 5972 matches

by Ron
Wed Aug 16, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Xmas bonus for Honorably discharged veterans
Replies: 3
Views: 539

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: Postal Service -- "informed delivery"
Replies: 84
Views: 4220

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: 4891

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: 43
Views: 3119

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: 43
Views: 3119

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: 43
Views: 3119

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: 43
Views: 3119

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: 5976

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: 3041

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: 133
Views: 6330

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: 1445

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: 1329

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: 133
Views: 6330

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: 3156

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
by Ron
Sat Aug 12, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3156

Re: Elite status clubs that you are part of?

Not a club, but my wife/me will be joining a select few when we each claim our age-70 SS benefit early next year. Only around 2% of men and 4% of women reach this goal, however I'm sure the percentages are/will be much higher for those who participate in this forum.

- Ron
by Ron
Fri Aug 11, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8065

Re: 4% Rule has changed.....not

I also worry about the 62 to 75 year old retirees who read the gloom and doom posts here - and similar opinions in mass media periodicals - and decide to cut withdrawals by 25% or 33%. They will forego large amounts of discretionary spending at exactly the time of their lives when they have the ene...
by Ron
Fri Aug 11, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)
Replies: 34
Views: 4184

Re: "When's the Right Time to Take RMDs?" – (Christine Benz's Latest Column)

And then there are those of us that just intend to take the RMD and spend it, regardless of the time of year :mrgreen: ...

- Ron
by Ron
Thu Aug 10, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8065

Re: 4% Rule has changed.....not

<snip...>The longest bear market in the century before 2008 was 62 months (March, 1937, to May, 1942). The second longest was 36 months (June, 1946, to June, 1949). Why would anyone in 2008 believe there was "truly no end to the downturn in sight"? Because those folks in the prior periods are not a...
by Ron
Thu Aug 10, 2017 2:03 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 90
Views: 5967

Re: What Percentage CASH are you?

Currently 7%, which includes actual cash held along with cash held within our investments.

Even though we will reduce that amount over the next 6-9 months (when we both will be starting our age 70 SS benefits) we'll still probably have around 5% held within our underlying investments.

- Ron
by Ron
Thu Aug 10, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8065

Re: 4% Rule has changed.....not

I guess the Phd/CFP forgot to mention that many retirees have several years of expenses in "cash" and would not have had to sell any (or very little) equities during those 3 or 4 minus 20% years. 1210 Exactly. I retired in early 2007, before the downfall of 2008-09 with 4+ years in cash. Retiring a...
by Ron
Wed Aug 09, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3503

Re: Do you plan to ditch your laptop in travel soon?

The international data plans do scare me - I was paying for an international plan and find out it didn't work until I landed - that's not fun. It's not like you can test your connectivity until you get there (if there is a way to do this - someone please let me know!). I have the T-Mobile One plan....
by Ron
Wed Aug 09, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3503

Re: Do you plan to ditch your laptop in travel soon?

I've taken a few trips without my laptop recently, although I still generally take it. When I don't have it, one thing that's a necessity for me is a hardware keyboard that I can use with my phone/tablet. I like to write travelogs and longer emails when traveling, and the touchscreen keyboards are ...
by Ron
Wed Aug 09, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Do you plan to ditch your laptop in travel soon?
Replies: 54
Views: 3503

Re: Do you plan to ditch your laptop in travel soon?

Last year we used the Kindle/phone on our trip to Peru. I/we have not lugged around a laptop for years (not needed for work; retired a decade ago). This year, we're only taking our phones when we go to France next month. The only reason we took the Kindle was to watch local news, but now we have an ...
by Ron
Wed Aug 09, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: Need A New Verizon MVNO
Replies: 17
Views: 1679

Re: Need A New Verizon MVNO

FWIW, T-Mobile just released their newest plan (today) for those 55+. Covers unlimited talk/text/data on two phones for $60/month ($30 each) which also includes all taxes. Rate for plan without automatic payment is $70. They are trying to get the AARP type folks on their network who are getting mark...
by Ron
Tue Aug 08, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 43
Views: 3119

Re: T-Mobile promotion for 55+

Thanks for the heads up! Just returned from the T-Mobile store after showing them documentation of my age. Rate is $60 for 2 lines, unlimited phone/text/data assuming you use auto-pay - which I've always done. Without auto-pay (direct bill) the rate is $70. What will I do with the extra $480/year I'...
by Ron
Tue Aug 08, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 50
Views: 6516

Re: news yesterday that Buffett has 100,000,000,000 in cash now

Well, that's what you get for reading drudgereport - "news" that is almost entirely wrong. I forget, what's the reasoning on why Buffett doesn't pay dividends? Actually, the drudgereport was entirely right. The OP was wrong in saying it was Buffet holding the $100 billion and not Berkshire Hathaway...
by Ron
Fri Aug 04, 2017 8:22 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21027

Re: A poll: How much money do you want to retire?

I feel poor, reading this thread :| ...

- Ron
by Ron
Wed Aug 02, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: A poll: How much money do you want to retire?
Replies: 270
Views: 21027

Re: A poll: How much money do you need to retire?

None at all assuming your retirement income (e.g. SS, pensions, SPIA's, wife/husband/partner still working, etc.) matches your rate of expenditures during the year :mrgreen: ...

- Ron
by Ron
Sun Jul 30, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Where to put $300 401k rollover
Replies: 4
Views: 368

Re: Where to put $300 401k rollover

I've had an IRA account at my credit union for many years, using it as a place to accumulate assets until I could have enough to fund whatever fund minimums are/were, back in the early days of investing for retirement. Even though it was used when I first started saving/investing for retirement over...
by Ron
Thu Jul 27, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Lazy Investor Seeks Lazy Grass Watering System
Replies: 18
Views: 1547

Re: Lazy Investor Seeks Lazy Grass Watering System

When I was stationed in Texas in the late 60's, our base commander used something like this:

https://www.amazon.com/Feet-4Ever-Green ... KHPVXJ5JJ7

- Ron
by Ron
Wed Jul 26, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Do people really buy foreclosures unseen?
Replies: 21
Views: 2361

Re: Do people really buy foreclosures unseen?

Assuming a house has good bones, replacement of counter tops/toilets/etc. are just a minor cost of renovations if you're going to flip or even live in the house. Over the lifetime of a home, these are items that are often things that are replaced/upgraded over many years. However, now you have to do...
by Ron
Tue Jul 25, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: Rhoombas, Home Mapping and Privacy
Replies: 15
Views: 1142

Re: Rhoombas, Home Mapping and Privacy

PowDay wrote:My towns tax assessment website, has a floor plan of my house posted online for anyone to see.

So far no one has broken in and rearranged the furniture on me.

What, no poltergeists? :mrgreen:

- Ron
by Ron
Mon Jul 24, 2017 9:35 am
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 3116

Re: What's you safety deposit box fee?

sport wrote:<snip...>no-charge check printing.

What's a check :mrgreen: ???

- Ron
by Ron
Mon Jul 24, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Suggestions for Lyon, France?
Replies: 19
Views: 943

Re: Suggestions for Lyon, France?

"Charles de Gaulle" requires too much typing and attention to the spelling, and so CDG is a real convenience rather than flaunting one's knowledge of airport codes. In contrast, I would refer to my departure airport as "Dulles" rather than IAD. Victoria Back in the late 90's/ear...
by Ron
Sun Jul 23, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 35
Views: 2643

Re: Lifetime Tire Alignment

selftalk wrote:<snip...>It`s not tire alignment but rather wheel alignment.

True; if it was a tire alignment, they would ensure that all four tires turn in the same direction :mrgreen: (Sorry, I couldn't help myself...)

- Ron
by Ron
Sun Jul 23, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1630

Re: car rental at OGG, any opinions?

https://www.autoslash.com/

I've used them multiple times in all the islands without problems.

FWIW

- Ron
by Ron
Sat Jul 22, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 28
Views: 2363

Re: When doing retirement planning, do you count your spouse's savings?

I/we do. From the time we got married (48 years ago, this September) and had very little, financially speaking, to today when we're both retired and "financially comfortable" we've shared all finance goals and results. It makes a difference when investing, since my wife is a bit more conse...
by Ron
Thu Jul 20, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2423

Re: Fidelity Full View usefulness?

Check your "Accounts Selected" tab on the Analysis view. All seven of my/wife's accounts are included, both from FIDO and VG. Also ensure you have selected the Account View, not Goal View, which may be different depending on how you set your personal view up. My FV total matches the Analys...
by Ron
Wed Jul 19, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2423

Re: Fidelity Full View usefulness?

Does that include assets held in external accounts? Yes... Also, be aware that FV is used as input to FIDO's Planning/Retirement tool (formerly known as RIP) so it's a good idea to include all your investment accounts, regardless of where they are held in order to get a valid result. I don't really...
by Ron
Sun Jul 16, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17711

Re: How are folks handling the unprecedented rise in the market ?

The same way I handled the unprecedented fall of the value of my investments in 1987, early 2000's, and 2008-09. I did (and am doing) nothing. 35 years in the market (thus far) has taught me that there will always be periods of joy along with periods of sorrow, just like anything else in life... - Ron
by Ron
Sat Jul 15, 2017 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Trust Fund Update
Replies: 8
Views: 873

Re: Social Security Trust Fund Update

<snip...> Then my sixth thought was, oh... (sorry, I can't post that one). That you'll be dead by then ??? Just turns out for us that 2034 is one year after the guaranteed term on our joint SPIA ends ... However, I believe that if one/both live beyond that date, our SPIA and SS will continue to pay...
by Ron
Sat Jul 15, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3611

Re: what's your secrete to cleaning inside car windows?

Don't secrete anything on them so you don't have to have a secret to clean them :twisted: ...

- Ron
by Ron
Thu Jul 13, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits projected to rise 2.2% in 2018
Replies: 0
Views: 514

Social Security benefits projected to rise 2.2% in 2018

http://abcnews.go.com/Health/wireStory/ ... s-48622302

And Medicare Part B premiums are forecast to remain the same.

Just an early estimate, FWIW...

- Ron
by Ron
Thu Jul 13, 2017 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9706

Re: Do you count vehicle equity in net worth?

Lots of rationalizations to claim an asset isn't an asset. I've been to quite a few estate auctions where personal property (cars) are sold for pennies on the dollar. In fact, for some brick-a-brack, I've seen many "quarter boxes" sold - that is $.25 for whatever the box holds. Unless you...
by Ron
Thu Jul 13, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Hotel tipping: how much to leave?
Replies: 72
Views: 3882

Re: Hotel tipping: how much to leave?

While we've always tip the room attendant while on a cruise (ocean/river), we don't when we're spending time on the road. You don't necessarily get the same folks taking care of your room every day, and the tip you left for the attendant you had yesterday is probably going to be picked up by someone...
by Ron
Thu Jul 13, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Collecting at 70
Replies: 17
Views: 1848

Re: Social Security: Collecting at 70

I just got off the phone with my local SS office and they verified what I had stated earlier. I did a file/suspend in January 2014, when I attained FRA. I will receive a letter/notification from them this December, telling me that my claim is changing status effective January. I will start receiving...
by Ron
Thu Jul 13, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9706

Re: Do you count vehicle equity in net worth?

No. I consider all personal property as $0.00 for estate value net worth calculations.

- Ron
by Ron
Wed Jul 12, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Collecting at 70
Replies: 17
Views: 1848

Re: Social Security: Collecting at 70

As it is, I'm going to give the local SS office a call to see if I understand it in my way of thinking/understanding.

- Ron
by Ron
Wed Jul 12, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security: Collecting at 70
Replies: 17
Views: 1848

Re: Social Security: Collecting at 70

MIpreRetirey wrote:I read this as 'this auto deeming of request for reinstatement at age 70' would not happen for someone who filed and suspended prior to 04-30-2016.

unless requested at an earlier point

Here's some additional information concerning that 4/30/16 date and how it affects benefits: https://www.ssa.gov/planners/retire/suspend.html

- Ron
by Ron
Wed Jul 12, 2017 3:41 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11292

Re: What do you splurge on?

A subscription to M*. I don't need it for planning purposes (been retired for over a decade) but it still has good reading material on the funds I hold that are only available to subscription members. In addition, I enjoy comments that are made in the various forums. These are interesting to read an...