Search found 71 matches

by wm631
Tue Oct 08, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: NY Times $1 per week digital
Replies: 41
Views: 6066

Re: NY Times $1 per week digital

This has appeared before, but for those inclined this is a good deal. I've heard of lower offers down to $30, but for the $20 difference I am ok with it. At the end of a year it jumps to $15 per month. https://myaccount.nytimes.com/get-started/auth?OC=20000188820&campaignId=67LXL#signup I am not su...
by wm631
Tue Oct 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Find my phone -- easy way to find it when lost in the house?
Replies: 38
Views: 2673

Re: Find my phone -- easy way to find it when lost in the house?

My wife and I always tend to lose our phones in the house. We tried the Find my Phone feature to help us locate it but I think the search area is too broad (e.g., point of location is "in the neighborhood" rather than a section of the house). Does anyone have any advice/tips on an app or tool that ...
by wm631
Wed Aug 21, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8511

Re: Anybody else enjoy sitting around and doing little in retirement?

I'll be retiring fully soon, but have been semi retired for a year now and do very little in terms of outside activities. I'm doing better at keeping active enough to get healthier and go out to eat once a week with my DW, but otherwise I'm not really retiring TO anything. I watch a lot of TV, Yout...
by wm631
Wed Aug 21, 2019 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads plan to utilize Independent Living facilities?
Replies: 108
Views: 11893

Re: Do Bogleheads plan to utilize Independent Living facilities?

Here are recent numbers for a CCRC, the Collington, in Mitchville, MD (north of Annapolis). These quotes are for the type A contract (Life Care), meaning independent living, assisted living and skilled nursing (including dementia) are included in the pricing. They offer many types of residences, bu...
by wm631
Wed Aug 21, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 306
Views: 45617

Re: Anyone disenchanted with retirement?

I don't know how to say it any more clearly than this: everyday is Saturday. My nephew groans; whimpers small animal noises, grinds his teeth whenever I mention that. Seriously - if you can't accept that philosophy - reality! - don't retire. You've found your Nirvana, in your job. The rest of us wil...
by wm631
Wed Aug 21, 2019 7:35 am
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

Yes. On-line, you must, it's the only place you can. Don't ask me why it's such a convoluted system (one foot in SSA, one foot in CMC-Medicare.gov). Your tax dollars at work. But, the actual walk-through of the application on SSA is very simple, user friendly. Just do it slowly, exactly, to prevent ...
by wm631
Tue Aug 20, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

As the original OP, I'll update this; if it can help anyone new to apply for Medicare. I did mine on-line, early May, 2019 (3 months before my early-August 65th birthday). A piece of cake. About 20 - 30 minutes, and that was being VERY careful, and double-checking all my responses before committing,...
by wm631
Sun Aug 04, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5352

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failur...
by wm631
Sun Aug 04, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Are all models of Toyota generally considered reliable?
Replies: 52
Views: 5352

Re: Are all models of Toyota generally considered reliable?

My last Toyota, and believe me it may be my last: Frame corrosion recall although this is a warranty issue they charge for everything that is incidentally replaced during frame replacement ( btw, can you imagine having your vehicle frame replaced??? ) Other repairs: $1300 Mass airflow sensor failur...
by wm631
Sun Aug 04, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 35786

Re: "The best and worst U.S. states for retirement"

Re: the "wonderful" California. Three words: San Andreas Fault. No thanks. I'll deal with the clearer known certainties of the four seasons, i.e. the cold, heat, occasional hurricanes, blizzards than suddenly waking up in my final, later years and hanging on for dear life. It would also kind of put ...
by wm631
Sun Aug 04, 2019 9:53 am
Forum: Personal Consumer Issues
Topic: Dental implant... almost done! COMPLETE!
Replies: 64
Views: 4925

Re: Dental implant... almost done!

"This kind of cost is why I urge people to make sure they don't just look at insurance as the cost of health care in retirement and budget accordingly for things that insurance doesn't cover." +1. There are so many posts on this site about projected retirement costs, yet so few consider increasing d...
by wm631
Tue Jul 30, 2019 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees - what's your spending like?
Replies: 36
Views: 4399

Re: Early retirees - what's your spending like?

I really would love it if someone published their average spending numbers in retirement. Thanks for the great topic OP. Everyone's situation is different. This would be useless data. Agreed. Numbers would lie, too. Simply put, from mine: Spring, 2015 @ 60.5: Company health premium went up from $11...
by wm631
Tue Jul 30, 2019 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees - what's your spending like?
Replies: 36
Views: 4399

Re: Early retirees - what's your spending like?

I'll probably retire in two years, at age 61.5. This is about 9 months earlier than I had originally planned, based on all of the things wm631 said :). Based on my CURRENT spending (which will include putting three kids through college starting this year), I only have about 16X saved. I "hope" that...
by wm631
Tue Jul 30, 2019 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees - what's your spending like?
Replies: 36
Views: 4399

jebmke wrote:
Tue Jul 30, 2019 3:04 pm
cu_ wrote:
Tue Jul 30, 2019 2:59 pm
by wm631
Tue Jul 30, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: The Quality of a Retirement with no Retirement Savings
Replies: 30
Views: 3135

Re: The Quality of a Retirement with no Retirement Savings

The comment by willthrill81 is spot on. My mom, now in her 80s, lives pretty well on very modest SS and a very small bit of savings. She makes it mostly because she was able to secure an apartment with Section 8 funding. The payment is fixed according to income, and is adjusted lower given high med...
by wm631
Tue Jul 30, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: New Construction - Things to look for?
Replies: 13
Views: 993

Re: New Construction - Things to look for?

You absolutely want YOUR inspector to look over the entire house. There can be huge problems, even with new construction. If this is a development, be aware that drawings with the words "Conservation Land" is a lie. A development was built sort of surrounding my property. In the maps their sales li...
by wm631
Tue Jul 30, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: New Construction - Things to look for?
Replies: 13
Views: 993

Re: New Construction - Things to look for?

You absolutely want YOUR inspector to look over the entire house. There can be huge problems, even with new construction. If this is a development, be aware that drawings with the words "Conservation Land" is a lie. A development was built sort of surrounding my property. In the maps their sales li...
by wm631
Tue Jul 30, 2019 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees - what's your spending like?
Replies: 36
Views: 4399

Re: Early retirees - what's your spending like?

I'm curious for early retirees, how many X expenses did you have when you decided to call it quits? And what's your annual spending like (how many X) and how much does it fluctuate? Called it quits at 60.5 in 2015, with my usual brooding conservative apprehensions. Over four years later, I'm gradua...
by wm631
Tue Jul 30, 2019 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: The Quality of a Retirement with no Retirement Savings
Replies: 30
Views: 3135

Re: The Quality of a Retirement with no Retirement Savings

I have a relative that is 55, no kids, no spouse, no property, one car with a car payment, and about $25k to his name. What will retirement look like for him when he decides to stop working someday and draw social security? His average earnings over his working career are around $30k per year, but ...
by wm631
Fri Jul 26, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Medigap, Medicare Advantage Quotes
Replies: 9
Views: 700

Re: Medigap, Medicare Advantage Quotes

Try (Google search) "eHealth" "medicare", on-line. It was an excellent starting point for me, a couple of months back.
by wm631
Sun Jul 21, 2019 10:53 am
Forum: Investing - Theory, News & General
Topic: Strength training is like investment
Replies: 46
Views: 3703

Re: Strength training is like investment

Diet. You can not outlift/out compound movement / out work a bad diet. Of course, diet is way harder than working out. Diet! Yes. But, not that's not enough - regardless of what the T.V. commercials trumpet. Unless you also want to eventually look like Granny Clampett. And, it also won't help almos...
by wm631
Sun Jul 21, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: How to get rid of a piano?
Replies: 50
Views: 4097

Re: How to get rid of a piano?

JoMoney wrote:
Sat Jul 20, 2019 9:55 pm
Piece by piece into the garbage.
"One Piece At A Time" - Johnny Cash. (... only, in reverse!)
by wm631
Thu Jul 18, 2019 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 6532

Re: Explaining the magic of compound interest to teenagers

Also, don't forget to explain diversification, and why. Not to keep all your eggs (assets) in any one basket. If/when one of them collapses, the rest of the portfolio survives. In fact, some of the other parts of the portfolio may actually thrive. The OP only has 15 minutes. Not only that, but it i...
by wm631
Thu Jul 18, 2019 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 6532

Re: Explaining the magic of compound interest to teenagers

Also, don't forget to explain diversification, and why. Not to keep all your eggs (assets) in any one basket. If/when one of them collapses, the rest of the portfolio survives. In fact, some of the other parts of the portfolio may actually thrive. The OP only has 15 minutes. Not only that, but it i...
by wm631
Thu Jul 18, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Explaining the magic of compound interest to teenagers
Replies: 107
Views: 6532

Re: Explaining the magic of compound interest to teenagers

Keep it real simple. The boredom factor for kids is quick. Start with the image of a snowball rolling down a hill (actually, UP a hill ...). Collecting snow; getting bigger and bigger. Maybe draw the image, on a chalkboard. The "rabbits breeding" analogy is good, too; easy to understand. Also, don't...
by wm631
Mon Jul 08, 2019 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.
Replies: 140
Views: 12307

Re: If there are no close or trusted relatives close by, who will care for you, pay your bills, etc.

So I surmise that you have trustworthy people in your life, but no one close. I think this will be OK as long you can afford help and the distant person wants to keep a close eye on things. It may cost more than you realize to have people running errands for you and to fly out the distant person to...
by wm631
Sat Jun 22, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 17848

Re: what was your worst major purchase? mine is a 2019 mazda3

House purchase. Then, another house purchase. Then, for good measure, one more. Did I mention house purchase? Ok. What about my 1976 Ford Mustang II? A 4 cyinder that couldn't get out of its own way; had the paint come off in sheets within four years. But, what does a 21 year old kid know about purc...
by wm631
Thu Jun 13, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20949

Re: Paying for rent is throwing away money...myth?

If instead, she invested $80K in the S+P 500 in 1980 and reinvested dividends it would have been worth over $6,000,000 in 2018. I sure wish she rented. *laughing* No, there would not have been $6 million. I would presume that $80k was the purchase price, but that she didn't pay all cash, up front f...
by wm631
Mon Jun 10, 2019 1:11 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20949

Re: Paying for rent is throwing away money...myth?

Going on year 6 of renting and... its actually been great. Probably spent a cumulative of less than 1 hour on maintenance during that time period. Have had numerous appliances and crap around the houses that I've rented fixed/replaced on the landlords dime and time. I've consistently heard through ...
by wm631
Sun Jun 09, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20949

Re: Paying for rent is throwing away money...myth?

My wife and I are in our 4th house. We've owned homes in Alaska, Texas, and Washington. 1. Pretty much by coincidence, every previous house we have owned for 5-6 years before selling. In every case we sold for considerably more than we bought. But also in every case the $$ we invested over those 5 ...
by wm631
Sun Jun 09, 2019 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20949

Re: Paying for rent is throwing away money...myth?

Going on year 6 of renting and... its actually been great. Probably spent a cumulative of less than 1 hour on maintenance during that time period. Have had numerous appliances and crap around the houses that I've rented fixed/replaced on the landlords dime and time. I've consistently heard through ...
by wm631
Sun Jun 09, 2019 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 20949

Re: Paying for rent is throwing away money...myth?

Going on year 6 of renting and... its actually been great. Probably spent a cumulative of less than 1 hour on maintenance during that time period. Have had numerous appliances and crap around the houses that I've rented fixed/replaced on the landlords dime and time. I've consistently heard through ...
by wm631
Sat Apr 13, 2019 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

HueyLD wrote:
Sat Apr 13, 2019 3:25 pm
If your SSA account is already set up, you simply log in when prompted. No unfreezing is required.
Thanks. That saves time next month!
by wm631
Sat Apr 13, 2019 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

As others have mentioned, signing up for Medicare B only takes 5 mins online. You don't need any documentation, just answer a couple of questions. However, there could be a few snags getting there. You need to create a "my social security" account. Be aware the site asks you personal questions usin...
by wm631
Sat Apr 13, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

The one complication I had was after enrolling. When I tried to set up a MyMedicare account the system gagged since we have all of our credit checks frozen. I had to go into SS nearby to get a temporary password to activate the account. That was after enrolling. You don't need the account to enroll...
by wm631
Sat Apr 13, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Applying for Medicare / Any Problems Submitting Requested Documents?
Replies: 25
Views: 1320

Re: Applying for Medicare / Any Problems Submitting Requested Documents?

I don't know why I didn't think of this earlier. I'll ask you guys! Turning 65 in early August, 2019. I will - of course - be applying for Medicare (A & B), on-line (?) next month (early May). My question - I'm hesitant regarding sending my original birth certificate via the mail (and, getting it ba...
by wm631
Mon Apr 01, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 15134

Re: Folks in their 60s and above. What early investment on health do you recommend.

Teeth. It's the one item most approaching retirement rarely think much about, and one of the most expensive - and suddenly, jolting - to have to deal with.
by wm631
Sat Mar 02, 2019 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7988

Re: BH could you live off your SS benefit?

A story for you, from about ten years ago. My mother spent her last years living with her sister in Va. Beach. Both widowed. A large house, about 30 years old on a beautiful, large piece of land my aunt had lived on since moving there in the late 1940's. I would check on them a few times a year, cal...
by wm631
Sat Mar 02, 2019 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7988

Re: BH could you live off your SS benefit?

It would be conceivable for us, but not very pleasant, after certain expenses: We would need to drastically cut or eliminate : Travel, eating out, gifts, tickets to sporting events/theater, replacement autos, gym membership/yoga classes, future Electronics Upgrades (cell Phones, IPads, computers, T...
by wm631
Wed Feb 13, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

Why is the issue about leaving money on the table instead of time on the table? Isn't time like a million times more important? Because money provides you options of what you can do with your time and to buy time by having other perform services for you. Also, there is no rule that says you can't h...
by wm631
Wed Feb 13, 2019 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

"Because you want to. Has it occurred to you that younger others are hoping for your job opening," We own our own business's - no jobs will open when we sell. Obviously, I was aiming at those not self-employed. Mainly, those on this site who seem to cling onto their jobs later without thinking of a...
by wm631
Tue Feb 12, 2019 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

It depends on how much you are spending. Nursing home costs for me are on the same order as my daily expenses now.... I'm confused. How much are your daily expenses? DW's nursing home in TX runs over $8K per month, not including medications. When we were in MI it was over $10K per month. I admit th...
by wm631
Tue Feb 12, 2019 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

My question to you.....on the day you die, how much will you "leave on the table?" Nobody knows, but I imagine that most folks on this forum will have quiet a sum not used to share with their heirs or charities of their choice. Can't get back the time you lose working, though. We may get a bit off-...
by wm631
Tue Feb 12, 2019 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

My question to you.....on the day you die, how much will you "leave on the table?" Nobody knows, but I imagine that most folks on this forum will have quiet a sum not used to share with their heirs or charities of their choice. Can't get back the time you lose working, though. We may get a bit off-...
by wm631
Tue Feb 12, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

"Money isn't all of it, but it's a big part of it. It's extremely hard to have enough if you retire early. Even if you are lucky-enough to have a large nest egg early, how do you know it's enough? For example, you and your spouse may incur very little in LTC costs, or you may incur a couple of milli...
by wm631
Tue Feb 12, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

"I won't be thinking about any of this on my death bed. At that point, none of this matters. The time it matters is the years after early retirement and until your death bed. During that period, it is possible to regret not working a few more years in that job you somewhat liked/enjoyed." The proble...
by wm631
Tue Feb 12, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 35043

Re: Early retirees, how much did you leave on the table?

First - from a blue collar perspective - the chances are, after the first year or two of retirement, you'll never see them again. And, this isn't really a competition with them. It's about your own final quality of life. And nobody - nobody - beats the Reaper. Sorry, Suzy Orman: I didn't wait until ...
by wm631
Mon Feb 04, 2019 11:53 am
Forum: Personal Finance (Not Investing)
Topic: No longer can cash Savings bonds in bank branches?
Replies: 21
Views: 5336

Re: No longer can cash Savings bonds in bank branches?

This would be eye-opening, and media news to a lot of us. But, fortunately not true (young, inexperienced tellers again, who don't have U.S. Savings Bonds - sigh). That said: (1) not all banks cash them - call ahead (2) most still will - but only if you have an account. Start with the official gover...
by wm631
Sat Nov 24, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: "Stay The Course" by John Bogle
Replies: 36
Views: 7169

Re: "Stay The Course" by John Bogle

$34.95? :moneybag As a Kindle ebook?? Seriously? Did Jack hand-print these himself?
by wm631
Wed Oct 31, 2018 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Help with choosing a Medigap company (not plan)
Replies: 5
Views: 869

Re: Help with choosing a Medigap company (not plan)

I'm in the same boat, next August (2019). An added wrinkle that I currently have an excellent Aetna Retiree Medical Plan now (decided to retire from MegaCorp. on my own @ 60); obviously something about it will change next May-August when I apply for Medicare A and B (plus, probably "G"). Thanks for ...