Search found 274 matches

by Old Guy
Tue Dec 11, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: To each his own ( I guess ) [Opinions of traveling in retirement]
Replies: 109
Views: 7661

Re: To each his own ( I guess ) [Opinions of traveling in retirement]

Different strokes by different folks—Sly Stone.
by Old Guy
Sat Dec 01, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Plese review investments for older couple
Replies: 5
Views: 749

Re: Plese review investments for older couple

Thanks for the advice.

For the reasons mentioned above relating to inheritance of TSP funds, is there a preference for switching to Vanguard or Fidelity target date funds?
by Old Guy
Sat Dec 01, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Plese review investments for older couple
Replies: 5
Views: 749

Re: Plese review investments for older couple

Watty:

See this discussion of LPL, viewtopic.php?t=257521.
Should be ETF.
by Old Guy
Sat Dec 01, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Plese review investments for older couple
Replies: 5
Views: 749

Plese review investments for older couple

That older couple being me, 76 and wife, 72. We have substantial pensions from the federal (civil service not thrift) and state governments and social security. We only take RMDs from our investments. We do spend some of the available cash on our house, travel and giving money to our only child. So ...
by Old Guy
Mon Nov 19, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8232

Re: Current Retirees: Do you touch your principal?

RMDs only on investments. Do spend cash left over from RMDs. Because we have very good pensions, federal and state, it’s easier for us then it probably is for other folks.
by Old Guy
Wed Nov 14, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Treating I-Bonds as Long-term Bond Holdings
Replies: 30
Views: 4651

Re: Treating I-Bonds as Long-term Bond Holdings

I bought $27,000 in I bonds in 2001 when my son was going off to college. Didn’t need the money for that. I have 19 left worth $45,500. They have done very nicely. Originally bought them with my Marriott credit card and got 27,000 reward points.
by Old Guy
Thu Nov 08, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1831

Re: iMac + iPad Pro

Thanks for the advice. Ordered it. $679 plus tax. I’m tired of struggling with the charging.
by Old Guy
Thu Nov 08, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: iMac + iPad Pro
Replies: 23
Views: 1831

Re: iMac + iPad Pro

I don’t use a Mac but I do own an older 9.7 iPad with a cracked screen that’s difficult to charge. I have been looking at the Apple refurbished 256 10.5. I wonder if the price will come down this month when the new iPads are released. I use the iPad everyday for reading and the news. The wife uses i...
by Old Guy
Thu Nov 08, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15020

Re: How much money are you leaving your kids after you die?

All of it.

Right now we’re gifting him $10,000 per year. I don’t think he needs to wait until we’re dead to get at least some of the money.
by Old Guy
Wed Oct 03, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 155
Views: 16782

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

London.
Park City UT and UT mountains in the summer to look at not hike.
Hilton Head Island where we live.
by Old Guy
Thu Aug 16, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Celebrating the day you retired
Replies: 46
Views: 3242

Re: Celebrating the day you retired

The next day we went to Aruba for two weeks.
by Old Guy
Sun Aug 12, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 2182

Re: Joint checking accounts.

Joint accounts for 43 years. My wife has some of her own credit cards.
by Old Guy
Sat Aug 11, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 6956

Re: Paper checks yes or no?

Automatic withdrawal for utilities. Pay credit cards and mortgage electronically. Just built a pool and all that had to be paid by check. Also pay handyman by check as well as some charities. So, checks are still important in my situation.
by Old Guy
Thu Aug 09, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25840

Re: most compelling TV character ever

Spike on Buffy.
by Old Guy
Thu Aug 09, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LA - Tips Wanted
Replies: 26
Views: 2210

Re: Moving to LA - Tips Wanted

My son lives in Los Feliz. Hipsters.

He has been in Los Angeles since 2003 when he went to school at USC. He once told me that the number 405 for the highway stands for the number of minutes it takes to get any place on it.
by Old Guy
Mon Jul 16, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 10453

Re: Why own a bed?

Why don’t you sleep in your van down by the lake?
by Old Guy
Wed Jul 04, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 20133

Re: The Power of Working Longer

I’m incapable of doing the kind of math people are talking about above. What I do know is that working into my 70s, and the late 60s for my wife, made a difference in our lives. After we retired from the feds, I was 61 and spouse was 60. Neither one of us were ready to retire on a permanent basis. I...
by Old Guy
Tue Jul 03, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 9538

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

After we retired from the federal government, my wife and I had our retirement jobs in Madison. We lived there for 10 years, seven in condo overlooking Lake Monona. We loved it. We had a place for the weekends in downtown Chicago which was a nice complement to living in a small city. It gave us our ...
by Old Guy
Sun Jul 01, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: Retiring in Michigan (Ann Arbor)
Replies: 65
Views: 5226

Re: Retiring in Michigan (Ann Arbor)

Check out Madison Wisconsin. Very similar to Ann Arbor but a little bit larger. Only 2 1/2 to 3 hours by car from Chicago.
by Old Guy
Wed Jun 27, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: When you cut spending, what do you cut?
Replies: 84
Views: 8950

Re: Retirees: When you cut spending, what do you cut?

Dry cleaning. Second home, but our current place is worth almost as much as the previous two combined. We have not cut back much that I can see. We worked hard and long and are now spending the money with much enthusiasm. With a combined four pensions, two social security payments, four RMD and livi...
by Old Guy
Wed Jun 27, 2018 8:38 am
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3742

Re: 3 nights in Vegas

Love has plenty of acrobatics. I would go to the one with the best deal at tix4tonight.com.
by Old Guy
Sat Jun 23, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: 3 nights in Vegas
Replies: 49
Views: 3742

Re: 3 nights in Vegas

We don’t gamble but we do enjoy the shows and the restaurants. We stay at the Marriott Grand Château one block off of Las Vegas Blvd. on Harmon where we own a two bedroom timeshare unit. It’s across the street from the Miracle Mile Mall. Below are some recommendations of things my wife and I enjoyed...
by Old Guy
Thu Jun 21, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 11784

Re: Timeshare ever worth it? Please share details

International We own Marriott and trade through Interval International, which has worked well for us even though some of our weeks are not high season. We initially bought them in order to force ourselves to take vacations. We have never rented them out and have no intention of doing so. We would ne...
by Old Guy
Mon Jun 18, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 11784

Re: Timeshare ever worth it? Please share details

We have owned Marriott timeshares since 2001. It is working very well for us. We used them and we now trade them through interval international. This year we spent one week each in a Marriott ts in Orlando, Maui and Lake Tahoe. In July we will be in a Park City Marriott. We’re going to spend two wee...
by Old Guy
Sun Jun 03, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Is our monthly Personal money out of line?
Replies: 74
Views: 8150

Re: Is our monthly Personal money out of line?

All the money went into one checking account. I paid the bills and did the investments. We consulted with each other on large personal expenditures. My wife loved to shop but only bought on sale or at outlets. Sometimes she bought nothing. She enjoyed it. She loved finding a bargain. Shopping was a ...
by Old Guy
Sat May 05, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 260
Views: 25840

Re: most compelling TV character ever

Buffy. Sarah Michelle Gellar.
by Old Guy
Sat Mar 31, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 5401

Re: When did you know your kids would go to college?

From the day he was born.

I believed that I would give him the best education I could afford and he could take advantage of.
by Old Guy
Sat Mar 24, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5574

Re: Your favorite Florida beach??

My brother owns a house at Seaside. The Truman Show was filmed there. Frankly, I find that it is now too congested and over commercialized for my taste.
by Old Guy
Thu Mar 22, 2018 8:54 pm
Forum: Investing - Theory, News & General
Topic: Facebook's slide cost Mark Zuckerberg $6.06 billion in one day
Replies: 42
Views: 5356

Re: Facebook's slide cost Mark Zuckerberg $6.06 billion in one day

wolf359 wrote:
Mon Mar 19, 2018 5:33 pm
Eh, lose a billion here, a billion there. Eventually we'll be talking about some real money.
Thank you Senator Dirksen for one of the all time great quotes.
by Old Guy
Sun Mar 18, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Selling time share "points" for my stepfather
Replies: 12
Views: 1700

Re: Selling time share "points" for my stepfather

Marriott points are not tied to specific Marriott timeshares. They can be used at any Marriott Vacation Club anywhere in the US, the Caribbean and Europe depending on availability. I’m not sure about their use in Asia. There are also additional locations available through points that are not sold as...
by Old Guy
Sun Mar 18, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Selling time share "points" for my stepfather
Replies: 12
Views: 1700

Re: Selling time share "points" for my stepfather

Marriott destination club points are not worthless although I would never buy any. There is a secondary market for them. Post your questions on TUG.
by Old Guy
Sun Mar 18, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Selling time share "points" for my stepfather
Replies: 12
Views: 1700

Re: Selling time share "points" for my stepfather

Ask your question at the Timeshare Users Group (TUG) on the Marriott forum, https://tugbbs.com/forums/index.php?for ... n-club.29/.

Also read this pinned thread on TUG: https://tugbbs.com/forums/index.php?thr ... am.197346/.
by Old Guy
Mon Mar 12, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42325

Re: [What UN-frugal thing do you do? What do you splurge on?]

Upon retiring moved to an expensive beach community in the southeast.
Purchased the largest and most expensive home we have ever owned, a five minute walk to the ocean.
Keep on putting more money into the house.
The latest is a swimming pool.
I’m 75 so what the heck.
by Old Guy
Mon Mar 05, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: What will you do with your tax refund?
Replies: 87
Views: 6917

Re: What will you do with your tax refund?

Unlike most here, I like getting large refunds and set up our deductions to accomplish that. I still manage to save money during the year. This year between state and federal taxes it will be about $12,500. It will go to help pay for our new pool.
by Old Guy
Fri Feb 23, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Refund? Not so fast! [Tax refund]
Replies: 30
Views: 3300

Re: Refund? Not so fast! [Tax refund]

Filed through TurboTax on 2.12. Deposited in bank account on 2.22.
by Old Guy
Wed Jan 31, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: Disney World question, accessing resorts and monorail
Replies: 6
Views: 972

Disney World question, accessing resorts and monorail

We’re going to be in Orlando for a week. We’re not interested in going to any of the Disney World parks but we would like to go to some of the resorts, eat in the restaurants and go on the monorail. Is this possible without entering g any of the parks? I don’t mind paying for parking but if it is po...
by Old Guy
Fri Jan 26, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5729

Re: Still working out of greed or fear?

Both my wife and I had retirement jobs after we retired in our early 60s. We did so for many reasons. We both felt we were much too young to permanently retire. We also regarded our move to the Midwest as a big adventure. We moved from the Washington DC area to Madison Wisconsin where I worked for t...
by Old Guy
Mon Dec 11, 2017 4:52 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 20080

Re: Save all this money, what do you splurge on?

After 10 years of the cold in Wisconsin, we now live in the most expensive and largest home we've ever owned a five minute walk from the beach. We're now in the process of adding a pool. Why, because we can. We're also giving our son a five figure cash gift every year. Why make him wait until we're ...
by Old Guy
Sun Nov 19, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Why I am not happy even with OK Net Asset
Replies: 38
Views: 4414

Re: Why I am not happy even with OK Net Asset

For heaven's sake have some fun. Your 30s are a great age. Soon the aches and pains will come.
by Old Guy
Sat Nov 11, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Inexpensive house or condo as home base (MKE?)
Replies: 39
Views: 4794

Re: Inexpensive house or condo as home base (MKE?)

Make sure that you're away from Milwaukee during the winters. It's really really cold there.
by Old Guy
Fri Sep 22, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 11171

Re: Age you retired

Couldn't afford to live at the beach in my 40s.
by Old Guy
Fri Sep 22, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 11171

Re: Age you retired

71. Thirty years in the federal government. Ten years working for a B1G university. Loved that experience. My wife worked to her late 60s. She was also federal government and then on to the state government in the state where I took the position with the land grant university. Neither of us had a de...
by Old Guy
Mon Sep 18, 2017 1:38 pm
Forum: Personal Consumer Issues
Topic: Transferring I Bonds to Son
Replies: 14
Views: 1124

Re: Transferring I Bonds to Son

Oh well. Thanks.