Search found 1597 matches

by Lynette
Sat Apr 21, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: New retirees: so whatdayathink ?
Replies: 62
Views: 5414

Re: New retirees: so whatdayathink ?

I worked into my seventies and was able to travel extensively both locally and internationally. In retirement I wanted to spend at least two years learning stuff for which I did not have time while working. I have just completed a semester of Spanish and photography at a community college. I really ...
by Lynette
Thu Apr 19, 2018 6:54 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1826

Re: What is best strategy for taking RMD from VG IRA

Yes, but this means that I have to keep track of them. So if I make 30 small QCDs, I have to keep track of all of them. It is much easier if I only have 4 of them that I have to aggregate and on on my 1040. I certainly hope you aren't donating to 30 different charities. Even 10 would be too much fo...
by Lynette
Thu Apr 19, 2018 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1826

Re: What is best strategy for taking RMD from VG IRA

I'm about to request Vanguard to send me a few QCD checks for RMDs. I need to do the same at Vanguard. Earlier in the year I moved the amount of money I needed for RMDs to a Money Market account. I know that some people keep on making QCDs to later in the year and then take their RMD. Tracking QCDs...
by Lynette
Thu Apr 19, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1826

Re: What is best strategy for taking RMD from VG IRA

I'm about to request Vanguard to send me a few QCD checks for RMDs. I need to do the same at Vanguard. Earlier in the year I moved the amount of money I needed for RMDs to a Money Market account. I know that some people keep on making QCDs to later in the year and then take their RMD. Tracking QCDs...
by Lynette
Thu Apr 19, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: What is best strategy for taking RMD from VG IRA
Replies: 26
Views: 1826

Re: What is best strategy for taking RMD from VG IRA

I'm about to request Vanguard to send me a few QCD checks for RMDs. I need to do the same at Vanguard. Earlier in the year I moved the amount of money I needed for RMDs to a Money Market account. I know that some people keep on making QCDs to later in the year and then take their RMD. Tracking QCDs ...
by Lynette
Wed Apr 18, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4223

Re: PC laptops

Yesterday I bought an Acer Chromebook 15 CB515-1H from Best Buy for about $350. It is made from Aluminium - don't know the pros or cons of that! I love it. I just downloaded Excel from the Google Play Store. I have a Microsoft 365 subscription on another Windows machine so I logged in with that. Exc...
by Lynette
Wed Apr 18, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: PC laptops
Replies: 94
Views: 4223

Re: PC laptops

I recommend Chromebooks to all of my elderly non-techie friends - if they don't need to print. As far as I can tell you either need a wireless printer or another device with a printer attached. I bought a new laser printer last month but was too lazy to try to attach it to my wifi network. If I need...
by Lynette
Tue Apr 17, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 166
Views: 10534

Re: Is Los Angeles a good place long term to live financially?

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. Is LA expensive? And would pursuing my goals be worth the cost of living there and are the costs worth the quality of life I would have there? Some of my goals are: 1. Get an MBA at a good busines...
by Lynette
Tue Apr 17, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 6468

Re: Help me explain why pre-tax investing can help when retiring in same bracket

My situation is different to most in that I worked into my early seventies, have pensions and SS. It did not occur to me to do Roth conversions in my sixties as I already had a salary and was drawing one pension. Now in my mid seventies I am able to live on my pensions and SS (even after tax). 80% o...
by Lynette
Mon Apr 09, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 4377

Re: Handling ageism in tech

I managed to dodge the layoffs at my last company for whom I worked for nearly 25 years and retired at 73. I like learning new stuff but my skills that were valued were my knowledge of the mainframe. Also I was told that my job in security was critical to the company. Many of the core applications a...
by Lynette
Sat Apr 07, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4051

Re: Is it very hard to learn Spanish?

I think it's probably "hard" to learn any language to the point that I would call "knowing" the language. Claims for learning a language in six months or sixty days or whatever are hogwash. It's like diet books that claim you can lose ten pounds in a month while eating as much as you like of everyt...
by Lynette
Fri Apr 06, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4051

Re: Is it very hard to learn Spanish?

It depends on the level of proficiency that you want to achieve and whether you want to be able to use the formal, academic grammatically correct language. In my class at a community college, we had a young lady whose mother came from a Spanish speaking country. She could speak fluently but not gram...
by Lynette
Thu Apr 05, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare filing date affect IRMAA amounts?
Replies: 7
Views: 426

Re: Will Medicare filing date affect IRMAA amounts?

What is IRMAA. Medicare ?? Tax on pensions! If you have income (Magi) above a certain amount, you have to pay higher premiums for Medicare B and D. I worked till my seventies so did not do Roth conversions. So I have pensions, SS and RMDs and I have to pay higher premiums. For me my total medical p...
by Lynette
Tue Apr 03, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 90
Views: 9977

Re: Retire at 55, what's the magic number

Do these calculations take into account taxes? I have pensions, SS and have to take RMDs. I can live on my SS and pensions but taxes on these and RMDs are a considerable additional expense.
by Lynette
Wed Mar 28, 2018 12:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 17177

Re: A lot of heavy hitters this morning

I love the book : Enough: True Measures of Money, Business, and Life – by John C. Bogle. Fortunately I am retired and in the stage of life where enough is truly enough. I do not need more. In fact, having more would be a burden as I would likely have to think about how to manage it. I am very conten...
by Lynette
Mon Mar 26, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 8065

Re: How old were you when you started spending your “principal”?

I love Sandtrapś comment and Sheepdoǵs reply about the dogś photo. I guess I have been retired about a year. I have no idea about my finanaces - do not follow where the market is currently unless I log onto Bogleheads. I am living off of my pensions and SS. I am much too busy with my Spanish and pho...
by Lynette
Sat Mar 17, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 109
Views: 18544

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Thanks to those who organize the conference. I have attended twice and decided to give others the opportunity to attend.
by Lynette
Sat Mar 17, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Since I am FIRE I do a fair amount of driving for friends and family when they need help with medical and other appointments. I don't always know (and would not ask) the reason for every appointment. I have driven at least three people to and from colonoscopies at least four separate occasions. On ...
by Lynette
Tue Mar 13, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 12400

Re: Need advice re: Liberal Arts Colleges...

As an old lady, my perspective is that the jobs that are available today may not even exist in twenty years time. The requirement in most professions is that you have to be a lifelong learner. I did my degrees in another country and started off as a History and Latin major to teach. I decided I did ...
by Lynette
Tue Mar 13, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37293

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

I am taking a class in photography at a community college. I have been buying some rather cheap, junky umbrellas to try them out. I also bought a cheap speed light that has take me hours to assemble. I bought some new prime lenses and the order the new Nikon D7500 to replace my D7100.
by Lynette
Mon Mar 12, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Mon Mar 12, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 40793

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 installe...
by Lynette
Tue Mar 06, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Sun Mar 04, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3262

Re: Rome-Florence-Venice-Prague summer vacation

I did not read all of the replies. My advice two weeks in Rome and maybe go to Pompeii. I've been to Italy four times as well as Venice and Prague. You will spend a lot of time travelling and not learn to understand one place in depth. I spent two weeks in Rome once. I stayed at an inexpensive place...
by Lynette
Sun Mar 04, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 6900

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Sun Mar 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3331

Re: Emergency Medevac - costs and options

I think that Medigap F/G covers part of the expense of Medevac. Does anyone know if this is correct? Now that I am older, I always get Insurance when I travel overseas. My mother came to visit me from my country of origin and I think she was not able to get insurance after 75. This was insurance fro...
by Lynette
Thu Mar 01, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8035

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

Hi Sandtrap, I always enjoy your posts and the assistance you give to people. I thought your wife worked with photography. That is a good way to get earned income to potentially be able to contribute to an IRA etc. The cost is totally amazing to me. I was employed by a Megacorp until 73 and my prem...
by Lynette
Thu Mar 01, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

Some hospitals will not start surgery until they personally meet the person who is going to take you home.
by Lynette
Tue Feb 27, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8035

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

I was employed by a Megacorp until 73 and my premiums were about $200 a month. Your employer was paying most of the premium. Without an employer to cover the bulk of the bill, it all falls on Sandtrap. The employer literature stated that they were paying half of the cost. I suppose that they had a ...
by Lynette
Tue Feb 27, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8035

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

Hi Sandtrap, I always enjoy your posts and the assistance you give to people. I thought your wife worked with photography. That is a good way to get earned income to potentially be able to contribute to an IRA etc. The cost is totally amazing to me. I was employed by a Megacorp until 73 and my premi...
by Lynette
Mon Feb 26, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 17
Views: 1234

Re: Playa del Carmen Vacation -- Excursion and Restaurant tips

I will not go to Cancun and Playa del Carmen again. I think it is great for people who like snorkeling or want to stay at an all in one resort to have someone look after and entertain their children. I booked a long weekend there before I had done enough research. I had already made my bookings, so ...
by Lynette
Mon Feb 26, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: BH Review: Samsung Note 8 Unlocked
Replies: 5
Views: 501

Re: BH Review: Samsung Note 8

Fabulous phone. I bought one and may have considered the iPhone X but it was not available. I bought mine at nearly $1,000 at Best Buy and then took it to AT&T where they installed a screen protector and Otterbox case for me. The reason I bought it was because I am taking a class in Photography at a...
by Lynette
Mon Feb 26, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 3720

Re: 66 yr old Woman Needs HELP!

Is it possible that you could get a part time job even if it is minimum wage? I do not know what your health is like but this would give you additional income and relieve some of the stress. I am in good health but I worked until I was 73. I have pensions that cover my needs as well as social securi...
by Lynette
Mon Feb 26, 2018 10:25 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 4816

Re: Nisiprius at 35,000 posts

Nisiprius is my favorite poster here. Always shocked me with the knowledge, clarity, and focus of his words! Agreed! As a way to celebrate, maybe we should all post post some of the posts that we’ve found most insightful? Thank you for your contributions. I have learnt a great deal from you. Please...
by Lynette
Fri Feb 23, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3069

Re: How Do People Without Computer Access Prepare and File Their Taxes?

I got mine yesterday. I called some time in December and was told that there would be a delay. I was planning to do mine manually to learn how to do them before I gave them to my accountant! I got the 1040 as well as instructions on how to do them.
by Lynette
Thu Feb 22, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2489

Re: Employment for Immigrant Wife

deleted
by Lynette
Tue Feb 20, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6294

Re: Expat Living

For me a major issue is dealing with taxation, different laws of inheritance etc.etc. I was born overseas and though I have been in the US for nearly 40 years, I still have some financial interests such as a small pension there. What a pain. A sibling overseas and one in the US are my heirs. I will ...
by Lynette
Mon Feb 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10025

Re: Single People and Retirement Question

travellight wrote:
Mon Feb 19, 2018 5:59 am
thanks for your post, itiswhatitis.
Thanks for posting itiswhatitis.
by Lynette
Sun Feb 18, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10025

Re: Single People and Retirement Question

There is so much to do in life - just do it. My Health Club is unusually sociable and I go there every morning - free bagel and coffee. There is a group of older guys - likely in their eighties who come each morning - socialize and exercise. There are also a few guys in the yoga and Pilates class. S...
by Lynette
Sat Feb 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8100

Re: Effect of spending money on appearance in career

I did not work for GM but live in the area. This is a photo of Mary Barra, CEO of GM. This is how most of the women executives I know dress. Obviously she works in a technical industry. If she worked for an advertising organization, I am sure she would might dress differently. https://en.wikipedia.o...
by Lynette
Sat Feb 17, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8100

Re: Effect of spending money on appearance in career

Unfortunately it does matter especially if you want to be promoted. I retired from IT and we had women exec's in senior management. They were always impeccably dressed. They dressed conservatively but sometimes the events were streamed live and the company's image was at stake. They all wore heels -...
by Lynette
Sun Feb 11, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 105
Views: 10025

Re: Single People and Retirement Question

There are so many, many things to do. At the moment I'm auditing a classes in photography and Spanish at a community college. I'm not really good at photography. My recent assignment was to take a photography and superimpose something on it not to size. It's snowing and despite this I discovered a l...
by Lynette
Sat Feb 10, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 16
Views: 1080

Re: Retiring soon.....401K vs rollover to IRA?

There is probably no reason why you should be in a hurry to roll over a 401K if the funds are good and low cost. I had no intention of rolling mine over and I took my first RMD from my 401K. What persuaded me to roll it over was so that I could take QCDs and reduce my AGI (and more specifically MAGI...
by Lynette
Mon Feb 05, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: A Simple and Safe Retirement Income Strategy that beats many others
Replies: 14
Views: 2952

Re: A Simple and Safe Retirement Income Strategy that beats many others

I did not read the study but from my reading of this forum, many Bogleheads retire early and have substantial tax-deferred income. They use the years between early retirement and 70 to do Roth conversions to reduce tax once they start to take SS. By contrast, I worked till 70 (actually 73) and did n...
by Lynette
Mon Jan 22, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9294

Re: The Power of Working Longer

Deleted
by Lynette
Mon Jan 22, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 6611

Re: Work-out schedule for those in 60s

I answer this post from my threshold, which may or may not apply to u. I just turned 70 last month so the previous decade I was in my 60's. I am a severe osteoarthritic and weight training at this part of life is OUT, really OUT. I exercise walk two to three miles 4 times a week currently. A few ye...
by Lynette
Mon Jan 22, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 108
Views: 24649

Re: Vanguard opens special offices for $1 million clients

I'm not Flagship status but I see no need for personal contact. There are two Fidelity Offices that are each three miles from me. The office was convenient for me to deliver checks when I rolled over my 401K to an IRA. Other than that I have found the Fidelity and Vanguard telephone support more tha...
by Lynette
Sun Jan 21, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 98
Views: 5057

Re: Going to one income-seeking testimonials

That's good that she brought it up. But, not being a "homemaker" type .....she may change her mind. I recommend being flexible with this decision, allow time to see how it goes, and be willing to change things. My wife chose to work, so we both had to change our paths (we sought out government jobs...
by Lynette
Sat Jan 20, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 193
Views: 29165

Re: How to Minimize Your Emergency Care Expenses

Thank you so much WCI for taking the time to explain the system. I'm fortunate to be in excellent health for a senior and I think that if some is really ill, one should seek the appropriate care. But to give a different perspective, I grew up in a country where there was virtually no malpractice. I'...
by Lynette
Fri Jan 19, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 37
Views: 3722

Re: Preparing for a lay off - what steps to take now

Networking is the best way to get a new job and you have been given good advice on this above. But for most of us who have lost our jobs, the psychological aspect is great. As one outplacement company with whom I worked explained, it as if one lost a loved one and the same stages of grief - denial, ...