Search found 1871 matches

by Lynette
Thu Apr 25, 2019 1:48 am
Forum: Personal Investments
Topic: Buying Investment (Rental) Apartment Abroad While Living in California
Replies: 10
Views: 952

Re: Buying Investment (Rental) Apartment Abroad While Living in California

Yes, I did. I assume that you will rent out the apartment. Do you plan to live become a US citizen and live here in retirement. I do not know the tax laws of Finland and if there is a tax treaty with US. I paid cash so I did not have issues with loan payments. I had a relative look after the apartme...
by Lynette
Tue Apr 23, 2019 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Neighbors sump pump pipe on my property
Replies: 25
Views: 3053

Re: Neighbors sump pump pipe on my property

As others have mentioned be extremely careful as water can cause a great deal of damage. I live in an older area with drainage problems. I had water in my basement several times. This was largely caused by building a large house next door - too much concrete - no place to drain. I now have an impres...
by Lynette
Thu Apr 18, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6673

Re: What is your hobby and how did it come to be your hobby?

1. Keeping fit 2. Whatever is necessary - fixed up my house when I retired and became interested in gardening. I am going to attend a master gardeners course in the fall. 3. I am probably also going to take an HR Block course in the fall - objective become a tax volunteer. Now I am reading the IRS i...
by Lynette
Tue Apr 09, 2019 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Wife hates new job...wants to quit after 1 day
Replies: 195
Views: 20324

Re: Wife hates new job...wants to quit after 1 day

I have been through many chaotic reorganizations in the fifty years I worked for Megacorps. Everyone hates them including the managers who have to do the dirty work of laying off people. I decided to stay and it was amazing how attitudes changed once the layoffs were over. Your wife has to decide ho...
by Lynette
Thu Apr 04, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2126

Re: French movies on Netflix

Do you have Amazon Prime? With that there are a lot of free movies. I use it for Spanish movies. Sometimes I pay if I'm too lazy to go to the local library. I have DISH TV with about 50 channels so I don't even have the time to watch some of the movies that they have there.
by Lynette
Sun Mar 31, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: High School Senior Pictures
Replies: 91
Views: 4833

Re: High School Senior Pictures

Nowadays many professional photographers find it difficult to make a living as many think their smartphone is just as good. I have been on several Roadscholar tours conducted by professional landscape photographers. The only way that they can make a living is by teaching. Also the posed group photog...
by Lynette
Sat Mar 30, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Retirement: What expenses did you reduce?
Replies: 63
Views: 4225

Re: Retirement: What expenses did you reduce?

It really depends on what stage of life you are and what you want to do in retirement. I retired from a Megacorp with excellent health care in my seventies. As I have pensions, SS and RMDs, I have to pay Medicare IRMAA. My health care costs have tripled. In addition, I am generally healthy but have ...
by Lynette
Sat Mar 30, 2019 10:10 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84901

Re: What frugal thing did you do today?

I bought a new desktop and to my irritation, Windows 10 on the new machine did not support the driver of my old laser printer. I no longer had the printer disk so I could not install the driver. I needed a printer for a Spanish assignment so I went and bought a new printer from Best Buy and install...
by Lynette
Sun Mar 24, 2019 7:03 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 217
Views: 32269

Re: Anyone disenchanted with retirement?

I worked into my early seventies. It was an OK job but provided me the funds to engage in my hobby of travel - probably four to five overseas trips each year for 20 years. My objective in retirement was to spend a few years studying at a community college. I completed a course in photography and am ...
by Lynette
Wed Mar 20, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Better to Donate Time or Money To Charity?
Replies: 37
Views: 1377

Re: Better to Donate Time or Money To Charity?

Definitely both. It really depends on your stage in life, personal circumstances, etc. I grew up in a third world country. There is always a need for specialized assistance such as in the medical field. However, if it is unskilled manual labor, I think it is better to donate money as there is so muc...
by Lynette
Tue Mar 19, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3018

Re: Medicare annual physical vs wellness visit

.....referral for a bone density test..... If you are female when you first go on Medicare the bone density scan is one of the "free" screenings you get automatically (no referral needed) Did you not get this during your first year......? Yes, my doctor gave a referral for a bone density test. The ...
by Lynette
Mon Mar 18, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3018

Re: Medicare annual physical vs wellness visit

My doctor got dinged by Medicare as he did not give me an EKG at my first Wellness Test. I have very low blood pressure and cholesterol under control with drugs and no history of heart disease in the family. I exercise and am not obese. Last time my EKG had improved as I had started swimming. I have...
by Lynette
Sun Mar 17, 2019 9:21 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3018

Re: Medicare annual physical vs wellness visit

I think it depends on which side of the bed the person who does the Medicare billing wakes up on. As I have a pre-existing condition (high cholesterol), I think that the blood work may be covered but who knows? I also don't know if I need to have an EKG as it wasn't covered in the Medicare first exa...
by Lynette
Sun Mar 17, 2019 8:32 am
Forum: Personal Consumer Issues
Topic: Medicare annual physical vs wellness visit
Replies: 54
Views: 3018

Re: Medicare annual physical vs wellness visit

I spent a lot of time on energy on this two years ago - 4 appeals as I was fed up - denied - but I was not billed. My doctor's office got the billing codes wrong as I joined Medicare when I was over 65 as I got healthcare through my employer. I have deliberately avoided going back for another wellne...
by Lynette
Sat Mar 16, 2019 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Financial disparity among siblings: Your experiences
Replies: 25
Views: 3758

Re: Financial disparity among siblings: Your experiences

My mother used to say that if she gave her children money for candy, I would share mine with my brothers and they would keep the money. Both my brothers children are doing very well and my elder brother is still working. The younger one has a Phd but chose to work in seminaries and non-profit organi...
by Lynette
Wed Mar 13, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Spanish Self Taught Duolingo Youtube lessons(Professor Jason) Netflix Podcasts Music Tandem Application. He estado practicando la mayoría de los días durante 3 años. Practicar, practicar más práctica. Sigue trabajando en ello, no te rindas. Buena suerte,,,, :mrgreen: :mrgreen: :mrgreen: Thanks Toon...
by Lynette
Tue Mar 12, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Cross link to another ongoing topic. Have you used a 529 plan in retirement?: https://www.bogleheads.org/forum/viewtopic.php?p=4430557#p4430557 Says the Department of Education keeps an updated list of international Eligible Educational Institutions that can be paid for from 529 plan. No link to li...
by Lynette
Tue Mar 12, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Cross link to another ongoing topic. Have you used a 529 plan in retirement?: https://www.bogleheads.org/forum/viewtopic.php?p=4430557#p4430557 Says the Department of Education keeps an updated list of international Eligible Educational Institutions that can be paid for from 529 plan. No link to li...
by Lynette
Tue Mar 12, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

You don't have to live with a family although that would better facilitate true immersion. I attended a language school in Costa Rica and apartment living was an option provided. The school provided a written test in advance and an oral test on the first day to ensure you were placed in the proper ...
by Lynette
Thu Mar 07, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Thanks to everyone who replied to this thread. I really appreciate it. I cannot use Language Exchange because of my "English" accent. I am willing to pay for lessons. I am currently trying to figure out how to use iTalki.
by Lynette
Thu Mar 07, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Thank you david_that_guy and HoosierJim. I have a certificate that I am trained to teach Latin. I also learnt the methodology of teaching Afrikaans. As Latin was not taught as a spoken language at that time, most of the time was spent on grammar, grammar, grammar and translating texts from English t...
by Lynette
Thu Mar 07, 2019 1:47 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Thank you. This looks like a distinct possibility. Today I had my first lesson with my Meetup instructor and he was great! I was required to go downtown Detroit and this is really broadening my horizons. Unless I make the effort, I can live in my comfortable city and neighboring areas without any k...
by Lynette
Wed Mar 06, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Thank you. This looks like a distinct possibility. Today I had my first lesson with my Meetup instructor and he was great! I was required to go downtown Detroit and this is really broadening my horizons. Unless I make the effort, I can live in my comfortable city and neighboring areas without any kn...
by Lynette
Wed Mar 06, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

One cannot generalize about "all 4 year colleges" or "all community colleges". Having taken classes at 6 different colleges myself, you're going to find that professors and classes are all over the map. One of my best professors was an electronics professor at community college. One of the worst, a...
by Lynette
Wed Mar 06, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I commend you on your goals and perseverance. Keep at it! Sometimes I wonder why I am doing this! I retired two years ago when I was 73. I have taken a course in photography that was a lot of fun and plan to take a Masters Gardener Class in the Fall. It is through and extension of Michigan State. O...
by Lynette
Wed Mar 06, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I will offer another opinion albeit from a slightly different perspective. I was not going to chime in until I read the comment about courses being all over the map. Indeed they are. I have a Ph.D. in Hispanic Linguistics and taught Spanish at the college level for over 8 years before moving on to ...
by Lynette
Tue Mar 05, 2019 11:01 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I am not sergio, but I take iTalki classes. During the year, I will take around 2.5 hours of classes per week. I have two professors in Mexico City whom I really like, they are both around 30 years old with a lot of teaching experience. One charges $12 per hour the other is $21 for 90 minutes. One ...
by Lynette
Tue Mar 05, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

In the nearly 40 years that I have been in the US, I have come across many with a really vague knowledge of "Africa". Of course, this is a country where, when I ordered something over the phone and gave the person an address in Alaska, was told, “We don’t ship internationally.” :mrgreen: .. then th...
by Lynette
Tue Mar 05, 2019 7:56 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I want to become fluent in Spanish and speak and write it grammatically as I want to be able to do volunteer work for Spanish-speaking people who cannot speak English. I do not think that "immersion" overseas is useful for me unless I enroll in a university there as I do not work, have family or fr...
by Lynette
Tue Mar 05, 2019 7:44 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

2015 wrote:
Tue Mar 05, 2019 7:31 pm
I belief that everyone has more talents and abilities than they can ever use in this life time. You just have to unearth them.
Thanks, your writing is very thoughtful.
by Lynette
Tue Mar 05, 2019 5:08 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

As one who spent decades in cubicles, offices, and even corner offices, I'm not at all anxious to return to any sort of enclosed structured environment like a classroom. A local center offers a conversational Spanish class which I'll look into but only because I think it will be fun. I attended one...
by Lynette
Tue Mar 05, 2019 5:02 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Unless you're lonely and need the interaction, I have absolutely no idea why someone nowadays would take a foreign language class at a US university. Even a community college course here runs about $500, for 3 (hrs/wk) x 15 (wks) = 45 hours of group instruction. $500 gets you anywhere from 60-100 h...
by Lynette
Tue Mar 05, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Yes, with mixed responses. As an older student with memories of earlier days in college and graduate school, there was significant surprise at the seeming lack of commitment to the educational process by many students, and what appeared to often be intimidation of the professor if requirements were...
by Lynette
Tue Mar 05, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

One option I would suggest is to see if your local library has the Pimsleur Spanish course on CD or audiobooks. It starts by teaching you short phrases and then prompts you to form your own responses based on what they’ve taught you. The grammar is integrated into the lessons a bit at a time. I’m s...
by Lynette
Tue Mar 05, 2019 7:40 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Lynette, Do you have Spanish language TV stations where you live? A former BH member sscritic indicated on the forum that he watched Chinese soap opera and learned Chinese at the same time. I also like the idea of a private tutor and being involved in activities favored by Spanish speakers. Hi Huey...
by Lynette
Tue Mar 05, 2019 4:51 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

After I retired I took two years of Spanish --- all that was offered --- at what was then a local community college (it has since morphed into a four-year college). I had some of the same experiences: the majority of students weren't motivated much, way too much english was used to teach the classe...
by Lynette
Tue Mar 05, 2019 4:42 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I have never found that the local universities were of much help in language learning. Better options would be to pay Berlitz the big $$$ and work with small groups and individual learning. Another option would be to move to Mexico for a year AWAY from the ex-pat areas. That would appeal to some bu...
by Lynette
Tue Mar 05, 2019 4:34 am
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

For language you are much better off with either a private tutor or a 3-4 week immersion school in country where everything is in the target language. You can learn an incredible amount studying Spanish 5 hours per day plus practice on the town nights and weekends. Lots of reputable schools at mode...
by Lynette
Mon Mar 04, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I recall reading that classes at some state universities are free to audit for seniors who are local residents. University of Wisconsin, Madison comes to mind. (https://acsss.wisc.edu/senior-guest-auditors/) Op, I realize this doesn't answer your direct question, but I thought it would be useful to...
by Lynette
Mon Mar 04, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

The methods used to teach foreign languages here are not really good. I don't think it would really matter if you went to a top rated university or not. My megacorp hires a variety of bilingual workers, and they first must take a qualifying test. The ONLY bilingual workers who tend to pass the test...
by Lynette
Mon Mar 04, 2019 10:11 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

As one who spent decades in cubicles, offices, and even corner offices, I'm not at all anxious to return to any sort of enclosed structured environment like a classroom. A local center offers a conversational Spanish class which I'll look into but only because I think it will be fun. I attended one...
by Lynette
Mon Mar 04, 2019 10:09 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

How about studying a foreign language abroad? See: http://www.google.com/search?q=foreign+language+study+abroad See: http://www.google.com/search?q=four+year+college+study+abroad See: http://www.google.com/search?q=509+plan+study+abroad Idea. --Find a 4-year college with a relationship with a forei...
by Lynette
Mon Mar 04, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Re: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

Unfortunately this is second-hand. For a while I was in a Spanish conversation group (mostly native English speakers). One of the attendees was a retired woman who was able to attend classes at State U for no tuition. She had been taking classes almost continuously and loved them. They were not cla...
by Lynette
Mon Mar 04, 2019 3:01 pm
Forum: Personal Consumer Issues
Topic: Has any retiree taken classes at 4-year college - for interest - e.g. Spanish
Replies: 108
Views: 6119

Has any retiree taken classes at 4-year college - for interest - e.g. Spanish

I was wondering if any retiree has taken classes at a 4-year college for personal enrichment in a subject such as Spanish. If so, I would appreciate your input or that of professors who teach these classes. My degrees are from an overseas universities that I attended fifty years ago. I do not have p...
by Lynette
Fri Mar 01, 2019 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Should I switch my daily banking business to Ally?
Replies: 51
Views: 3600

Re: Should I switch my daily banking business to Ally?

This must be fairly new. A few years ago when I called Ally about this issue they were most unhelpful and refused to bend their policy. But I still think Chase is better for me as I grew up overseas and still have a small pension wired to me. Chase handles it flawlessly. I won't close my account wit...
by Lynette
Fri Mar 01, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Should I switch my daily banking business to Ally?
Replies: 51
Views: 3600

Re: Should I switch my daily banking business to Ally?

Ally made our debit cards ATM only upon request... When was that? Do they allow you to set a low maximum withdrawal amount? Chase allowed me to set the daily maximum at $300 if I recall correctly. The other regional bank increased the daily withdrawal amount to $1,000 without my consent. So the ski...
by Lynette
Fri Mar 01, 2019 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should I switch my daily banking business to Ally?
Replies: 51
Views: 3600

Re: Should I switch my daily banking business to Ally?

I have bank checking and saving accounts at both Chase and Ally. I won't use Ally exclusively for a number of reasons: 1. I have the credit cards that I use with Chase. I travel a lot overseas and I don't think Ally is as good as Chase in handling issues overseas and in dealing with fraud. If I have...
by Lynette
Fri Mar 01, 2019 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7178

Re: BH could you live off your SS benefit?

I receive the maximum SS but I chose to have 25% withheld as I was not sure of the new tax brackets. After Medicare IRMAA and taxes,the net amount is reduced considerably.
by Lynette
Fri Mar 01, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7178

Re: BH could you live off your SS benefit?

No, as the IRS taxes me on heavily on it and SS takes Medicare premiums and IRMAA out as well.
by Lynette
Thu Feb 28, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Naval on getting rich.
Replies: 79
Views: 9693

Re: Naval on getting rich.

Hi Lynette, Naval came to the U.S. as a child and grew up in multicultural New York. He reads widely, and I think his life philosophy is influenced more by his reading than by his family's heritage. Victoria Hi Victoria, He was nine when he came to the USA from India. He appears to have been close ...