Search found 339 matches

by at ease
Thu Mar 16, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: 25 y/o Military -- advice on portfolio please
Replies: 15
Views: 2290

Re: 25 y/o Military -- advice on portfolio please

I couldn't tell from your post, but one thought ....I suggest you consider keeping some money in the TSP for a possible future return....we never know what the future holds, but the TSP has been a good, inexpensive, place to invest, and if you transfer everything out, it won't be available to you un...
by at ease
Wed Mar 15, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 26526

Re: Costco tire - Michelin vs Bridgestone

...well, I drive a car many miles, and have found the Bridgestone tires to be my FAVORITE of any....I rotate them between 5 and 6,ooo miles and it's not unusual to get around 80,000 on a set.....my wife put Michelin on her car two years ago (from Sam's) and had to replace 2 before 20,000 miles. Sam'...
by at ease
Tue Jan 31, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: TSP rollover help
Replies: 8
Views: 1468

Re: TSP rollover help

I too would just ask Vanguard...I did this several years ago and it was smooth....one thing you might consider, leaving a little in your traditional Vanguard IRA (I did this) just in case you ever want to move some back to a traditional IRA.....there are a couple advantages to having a traditional I...
by at ease
Tue Oct 18, 2016 1:22 pm
Forum: Personal Consumer Issues
Topic: Hotmail (Outlook) Inbox puzzle?
Replies: 10
Views: 991

Re: Hotmail (Outlook) Inbox puzzle?

..I've had the exact same problem you described...finally went to their "HELP" line and posted the issue there but none of the replies worked ?? I did go to the OTHER area on inbox and send myself a couple important old emails, and noticed anything I deleted was very easy to find later by just going...
by at ease
Wed Sep 21, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 9114

My "Corolla Investment" has ended...410,000 [miles]

... a while back i posted about my 2003 Toyota Corolla and how dependable and down right cheap it is to own...well 2 weeks ago it went over 410,000 miles and the next day, it blew a 15 amp fuse for the second time in 2 months...it controlled the fuel pump so the engine would not start until it was r...
by at ease
Tue Jul 19, 2016 2:07 pm
Forum: Personal Consumer Issues
Topic: Yet another new/used car post. Help me replace a car
Replies: 39
Views: 4318

Re: Yet another new/used car post. Help me replace a car

....why not just buy another Camry ?...the 2016's are on sale now (customer cash of 2,500.00 to start with)....also a discount on 16 Corollas...but they may not "fit" your needs...i have a 2003 Corolla i bought new.....it just went over 406,000 miles yesterday....it still has the orig. spark-plugs.....
by at ease
Tue Jul 05, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Sentra or Corolla?
Replies: 40
Views: 4382

Re: Sentra or Corolla?

>> Corolla << my 2003 just went over 405,000 miles, only some minor repairs you would expect with 400,000 plus miles....( you can check my earlier post= "The Corolla investment" for repairs) ...I've never had "any" of the dealer recommended "scheduled maintenance " done...none... and it still has th...
by at ease
Thu Dec 31, 2015 6:13 pm
Forum: Personal Consumer Issues
Topic: Price to replace the catalytic converters in a Toyota Highlander
Replies: 50
Views: 7104

Re: Price to replace the catalytic converters in a Toyota Highlander

I'm probably not a good example on stuff like this...but, about 8 o 9 years ago the check engine light illuminated on my 2003 Corolla. A friend sent me to auto-zone(?, or one of those car part places) and they checked it for free with their chip reader and said it was the catalytic converter . My fr...
by at ease
Tue Oct 20, 2015 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Military pilot looking for a vector
Replies: 28
Views: 4729

Re: Military pilot looking for a vector

...what if you split the monthly-money you have available toward 2 goals....say around half toward building an emergency fund, and half toward paying off the DC second morg. ...this might give you some comfort as you lean forward....a lot can happen/change in three years so it's good to think ahead ...
by at ease
Wed Jul 15, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 8006

Re: The " Corolla" investment....

ray-james..... the one sad maintenance experience I've had was the transmission failing at 212,000 miles...but it was MY doing...my wife had transmission problems on her Mazda so i decided to have the Corolla transmission "flushed" at 100,000 miles...it failed at 212,000 and a local mechanic replace...
by at ease
Wed Jul 15, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: The " Corolla" investment....
Replies: 51
Views: 8006

The " Corolla" investment....

An update on one of my better investments...My 2003 Corolla just went over 380,000 miles and just keeps on pleasing.....low-low maintenance, good on gas, never had any of the dealer suggested mileage servicing so it still has the 2003 spark-plugs that it came with... i did however just spend $440.00...
by at ease
Wed Jun 18, 2014 3:33 pm
Forum: Personal Consumer Issues
Topic: Reliable car for a long commute
Replies: 19
Views: 2343

Re: Reliable car for a long commute

....i have a 2003 Corolla that has over 350,000 miles from commuting to work....it is hard to believe how good a commuting car it is.....i traded an Accord for it back in 2003 (the Honda had 426,000 miles) and i loved it, but would much rather have the Corolla.....just let your wife drive one, and i...
by at ease
Fri May 16, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Suggestions on used high mileage car?
Replies: 17
Views: 1595

Re: Suggestions on used high mileage car?

...i just went over 350,000 miles on my 2003 Corolla...it's still getting over 30 miles a gallon.....only real problem i've had was transmission rebuilt at 212,000 miles and that was MY fault.....just changed oil, tires,breaks as needed and it keeps going and going.....i've never had ANY dealer warr...
by at ease
Tue Apr 22, 2014 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover to TSP
Replies: 11
Views: 1997

Re: Rollover to TSP

...i moved some IRA $ from Vanguard to the TSP about 5 or 6 years ago.....and as Alan and Huey D say, i received a 1099-R in Jan of the following year...i attached a copy of it to my 1040 (used paper 1040) and included the amount down on the line for distributions (16 ?) and hand wrote as Huey said,...
by at ease
Thu Apr 17, 2014 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein retirement plan
Replies: 41
Views: 8922

Re: Bernstein retirement plan

...i too like his conservative approach...he once said something like, "once you have saved enough to meet your retirement-income needs, why risk losing it"? the more i thought about that, the more i agreed with it...so i did all the retirement income cash flow NEED calculations, adjusted them for a...
by at ease
Tue Mar 18, 2014 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 1100

Re: Federal Government Health Insurance Question

...you mention your interest/need to have "5 years of FAMILY med-insurance coverage" ( = this requirement is the "final 5 years of fed employment" before actual retirement) in order to carry the fed-med with you.....well, assuming she has met all the other "requirements for retirement"....and then t...
by at ease
Mon Sep 16, 2013 4:52 pm
Forum: Personal Consumer Issues
Topic: Day trip from San Francisco to Lake Tahoe
Replies: 30
Views: 6387

Re: Day trip from San Francisco to Lake Tahoe

...when you get back, let us know how you enjoyed the drive...last time i drove from Tahoe/Truckee back down 80..there was a bit of traffic from Sacramento to San Fran.....oh my....
by at ease
Tue Aug 27, 2013 5:20 pm
Forum: Personal Consumer Issues
Topic: Hedonic treadmill in retirement
Replies: 107
Views: 11539

Re: Hedonic treadmill in retirement

...you might read the book..."Thanks".....by Dr Robert Emmons...if haven't already done so....it is about developing "gratitude" as a tool for increasing happiness in your travel through life.....how developing a posture of gratitude/thankfulness can be a technique to move your happiness set point u...
by at ease
Tue Aug 13, 2013 11:50 am
Forum: Personal Consumer Issues
Topic: USAA disappoints!
Replies: 67
Views: 10470

Re: USAA disappoints!

...i've been an insurance customer for years and have been very pleased with their service on claims...but, have had a couple too many unnecessary paper-work errors when dealing with the bank on CD's....i don't believe they have the banking operation as well refined as the insurance....
by at ease
Tue Jul 23, 2013 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: could I retire?
Replies: 18
Views: 3866

Re: could I retire?

..the issue i would want to feel real-solid about would be the after-tax cash flow from the real estate, and that it was good for the long haul....because it is what will cover most of your living expenses...and often realestate income will move along with inflation...so it would be the decision mak...
by at ease
Tue Jul 09, 2013 2:59 pm
Forum: Personal Consumer Issues
Topic: Moving Closer To Family?
Replies: 30
Views: 2744

Re: Moving Closer To Family?

...well, i think you have a very good opportunity/path forward too both improve your finances and build family relationships (especially for grand parents and grand kids)...i grew up living next door to my grandparents and the positives over the years far out distanced the normal family-bumps that n...
by at ease
Wed Apr 24, 2013 9:00 am
Forum: Personal Finance (Not Investing)
Topic: RMD from TSP
Replies: 48
Views: 4962

Re: RMD from TSP

...VictoriaF....to your earlier question....the way i read the tax consequences of distributions of the "Periodic monthly payments" option...as i read it, i believe one can transfer the mothly payment (or part of it) into an IRA without taxes UNTIL you reach RMD age....then the first dollars of the ...
by at ease
Tue Apr 02, 2013 9:44 am
Forum: Personal Consumer Issues
Topic: Things I should buy/experience while in my 30s?
Replies: 112
Views: 13287

Re: Things I should buy/experience while in my 30s?

...when i was your age-ish, i was jogging on and off for health and weight control....on 1 May (May-day) of the year i was 33 i decided to try a new schedule of jogging at least "4 miles a day > 4 days a week"" which was a minimum of 16 miles a week...it seems like there had been some kind of Harvar...
by at ease
Mon Mar 25, 2013 9:59 am
Forum: Personal Finance (Not Investing)
Topic: The Fine line between responsible and selfish/material
Replies: 104
Views: 10794

Re: The Fine line between responsible and selfish/material

...i see you note Eccl 5:10-11......also Note Hebrews 13:5 (NIV).....it looks like you are ok, you will be ok, you have enough, and you have help....so it's ok to give yourself permission to set aside some funds for fun/joy....however you choose to define it....it will be ok.......now, see PSALM 90-...
by at ease
Thu Feb 14, 2013 12:28 pm
Forum: Personal Consumer Issues
Topic: Need Bourbon Advice
Replies: 45
Views: 7490

Re: Need Bourbon Advice

..BBL, thanks for link...so they don't think the customers will notice...we noticed when Jack Daniels and Evan Williams black cut back from 90-proof and 7 years aging....sad sad the way many American businesses are reducing quality and/or quanity as a new business strategy...ugh
by at ease
Wed Feb 06, 2013 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: "medical payment to others" vs "liability" for home owners
Replies: 7
Views: 7917

Re: "medical payment to others" vs "liability" for home owne

...several years ago i was playing tennis and whacked my partner up side the head with my racket..it was an accident, really it was....it caused a lot of bleeding and he got a few stitches....if i remember right, it was that medical part of my homeowners insurance that covered the med-bill(s) for hi...
by at ease
Mon Feb 04, 2013 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 11039

Re: What's a better term for 'retired'?

....i'm a restaholic.....(at least according to my wife..)
by at ease
Mon Jan 28, 2013 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you expect your kids to pay for college?
Replies: 237
Views: 31620

Re: How much do you expect your kids to pay for college?

....nothing....just earn any spending money.....my folks paid for mine by saving for it and telling me it was a requirement that i go, and finish in 4 years; i had to earn any spending money i wanted/needed.....it was nice not working long hours in college or finishing with debts.... ...so, we did t...
by at ease
Thu Jan 17, 2013 2:46 pm
Forum: Personal Consumer Issues
Topic: Visiting California for the first time...need advice!
Replies: 65
Views: 7687

Re: Visiting California for the first time...need advice!

...we like wine a lot and have made the wine-run several times...but, a couple days was about all we needed so your thoughts about 3 nights in that area starting with the drive there on your noon arrival is how we would do it...plus a couple nights/days in the Mont/Carmel areas seems good also....4 ...
by at ease
Mon Jan 07, 2013 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who have kept your cars for a long time...
Replies: 95
Views: 7470

Re: For those of you who have kept your cars for a long time

..drove a 1984 Honda Accord until 2003....it had 426,000 miles when i traded it in on a 2003 Toyota Corolla....the 03-Corolla now has 316,000 miles...odd thing though, at 299,999 the Corolla no longer increaserd miles...it is forever stuck on 299,999...so i track miles on trip meter for actual miles...
by at ease
Tue Nov 13, 2012 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tricare
Replies: 8
Views: 1405

Re: Tricare

...if you stay in the network area, US family Health gets good reports, and as mentioned, if you don't already have it, you can't get the good deal it used to be...for example, if i read it right, folks who have it and are over 65, DON"T HAVE TO TAKE MEDICARE-B as everyone else who hits 65 and go ov...
by at ease
Tue Oct 23, 2012 10:39 am
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 5473

Re: One of the toughest decisions of my life

....some interesting reading above.....something that i believe often comes out in replies here...is a glance at life based on where one is, and what one has experienced or observed over life, or, so far in life......age and life experiences impact thinking, as does youth .... i'm 62 and look back o...
by at ease
Mon Oct 22, 2012 9:26 am
Forum: Personal Finance (Not Investing)
Topic: One of the toughest decisions of my life [Employment]
Replies: 33
Views: 5473

Re: One of the toughest decisions of my life

....frame your thoughts like this: if someone you trusted said...if you will give me "11 years of your time", doing work you are trained to do, in an environment you know and are familiar with and at a competitive salary similary to what you are making now...."then"....after the 11-years.....i will ...
by at ease
Tue Sep 04, 2012 1:07 pm
Forum: Investing - Theory, News & General
Topic: Bernstein article on CNN
Replies: 64
Views: 6956

Re: Bernstein article on CNN

...i think a good point he makes is.....when you have won the retirement game (meaning you have enough $$ saved to meet your expected cash-flow needs) then why risk it ??? the "risking it" is the key.....i saw this article in Money magazine last week, thought about it over the weekend, and can reall...
by at ease
Tue Aug 07, 2012 11:54 am
Forum: Personal Consumer Issues
Topic: When is it ok to purchase recreational toys?
Replies: 66
Views: 11341

Re: When is it ok to purchase recreational toys?

based on my, and many of my friends, experience....wait a bit...you will likely want it (and a lot of other things) a lot more after about age 40.....when the mid-life something takes hold of your otherwise normal brain for a while.....
by at ease
Wed Aug 01, 2012 9:01 am
Forum: Investing - Theory, News & General
Topic: The illusion of control and predictability
Replies: 38
Views: 4715

Re: The illusion of control and predictability

...how long did it take you 25 years ago,in 1987 ? just use the past experience to predict, that seems like a reasonable approach... doesn't it ?? ...you made me think about a pal of mine, recently he was busy planning a little family trip to celebrate his recent retirement when some test from his r...
by at ease
Wed Jun 27, 2012 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Negotiate job offer? Unique circumstances.
Replies: 23
Views: 3161

Re: Negotiate job offer? Unique circumstances.

...my feeling is, "you are still borderline", something probably happened in their employment planning that gave them the chance to take a look at you/give you a try....i don't think you have much real leverage.....going from a no thanks..to a negotiated intern-opportunity....so i think the internsh...
by at ease
Mon May 21, 2012 2:56 pm
Forum: Personal Consumer Issues
Topic: Should I Run my car to its grave?
Replies: 48
Views: 4967

Re: Should I Run my car to its grave?

...i drove my last Accord 426,000 miles (had to put on 3 timing belts when they broke and stoped me on the spot..had to use my towing insurance) and in 2003 i traded it for a new Toyota Corolla that will have 295,000 miles this week....it has no timing belt to change, they say it has a chain so no b...
by at ease
Tue May 08, 2012 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Re: What stops you from retiring today?
Replies: 100
Views: 9271

Re: What stops you from retiring today?

..to Tsasmus... i'm near your age, and given the info. you noted, i would stay till year end....that way you can make the most of the hand delt you.....then go: then you will look back and say you did the best you could with what was realistically available .....i plan on retiring at 63 1/2, so no.....
by at ease
Tue Apr 10, 2012 3:08 pm
Forum: Local Chapters and Bogleheads Community
Topic: Chaz Watch
Replies: 80
Views: 11884

Re: Chaz Watch

...we could use him in Washington.....as a speech writer !
by at ease
Tue Apr 03, 2012 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with TSP holdings?
Replies: 14
Views: 1332

Re: What to do with TSP holdings?

.....a couple years ago i moved most of my Vanguard IRA into the TSP...keeping an account open in the TSP will also allow you to move future 401 or IRA monies into it should you find that is the best option if/when things change ( jobs, retirement)...
by at ease
Tue Mar 13, 2012 9:05 am
Forum: Investing - Theory, News & General
Topic: Why Smart People Fail to Beat the Market
Replies: 14
Views: 2450

Re: Why Smart People Fail to Beat the Market

...my my, so often we hear "it's not what you said, but how you said it" that matters...this is one of those rare short-stories, and a non-fiction at that, that combined both.... important content (the what you said) with honesty and humility (the how you said it)....and it's message was simple yet ...
by at ease
Thu Mar 08, 2012 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Managing Massive Law School Debt
Replies: 144
Views: 9612

Re: Managing Massive Law School Debt

...i would make my primary goal, "PAYing off the loans" as fast as possible....those are ugly interest rates and as mentioned, there is great satisfaction in the freedom from lingering debt... but, i would also put a little money in a retirement account (401 or Roth, your choice) just for the mental...
by at ease
Tue Mar 06, 2012 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Federal Thrift Plan and Minimum Required Distribution
Replies: 5
Views: 871

Re: Federal Thrift Plan and Minimum Required Distribution

....my understanding is that the TSP is like a "401-k", defined benefit plan used by businesses...where as your traditional "IRA" is considered a different type of quailified retirement account than a 401...what this means to you is, because they are different "type" retirement accounts...you will l...
by at ease
Wed Feb 29, 2012 8:43 am
Forum: Investing - Theory, News & General
Topic: low rates test investor discipline
Replies: 2
Views: 507

Re: low rates test investor discipline

...Good information Sir...and i liked the way you suggested some bonds (high yield/junk) might be better considered as stocks in AA "risk" planning...
by at ease
Tue Feb 28, 2012 1:24 pm
Forum: Investing - Theory, News & General
Topic: Would you take out a mortgage or pay cash?
Replies: 70
Views: 6480

Re: Would you take out a mortgage or pay cash?

....i would personally pay cash....i don't like debt...any kind.....like the joy and feeling of "freedom from debt"......however, because i'm married....if my wife felt strongly about having a mortgage (for whatever reason).....then i would normally look for something we both might be able to live w...
by at ease
Thu Feb 16, 2012 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you start feeling old?
Replies: 110
Views: 11005

Re: At what age did you start feeling old?

....when i recently read PSALM 90-10 again...= " The days of our years, there are seventy of them, and if there is greath strenght, eighty years....." and thought to myself....70 isn't that far off anymore....??
by at ease
Wed Nov 09, 2011 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Huge windfall, should I pay off house?
Replies: 33
Views: 4280

Re: Huge windfall, should I pay off house?

...if it were me....i would first ask myself how i felt about having all 780,000 together going forward.....ie, how does it fit into my life/retirement plan....sometimes it's a little hard to save that sum (168,000) after taxes.....if i didn't really feel the need for it, then i would go on and pay ...
by at ease
Thu Oct 27, 2011 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tricare for life
Replies: 11
Views: 1311

Re: Tricare for life

...so your question remains...if you don't pay the fee, if there should be one one day..or, if you choose not to take Med-B....then you would no longer be "eligible" for TFL (or any Tricare after age 65) "because" you didn't do the requirements after 65, " to be eligible".....but, i firmly believe, ...
by at ease
Tue Oct 25, 2011 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tricare for life
Replies: 11
Views: 1311

Re: Tricare for life

...my understanding is that if you are a military retiree, age 65 and have medicare A and B, you are eligible for TCL...if you should choose not to take Med B, or drop it, you then have no "eligibility" for TCL.....unless you have it again later .....it is hard to find the written word that clearly ...