Search found 1694 matches

by Lynette
Wed Jun 20, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 2906

Re: Marriott hotels using Alexa/Echo in guest rooms?

I cannot see that anyone would have the slightest interest in what I do in a hotel room. I travel alone or always have a single room. I rarely talk on a phone. The only noise in my room is when I occasionally turn on the TV. So Alexa poses no threat to me. I am far more likely to use the hotel netwo...
by Lynette
Mon Jun 18, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4459

Re: African Safari: Worth it or Hype?

[...]That lady would have been better off in a zoo. I know you were not meaning this, but it comes out very funny ;-) PS: I'm PMing you ... Yes, I did mean it. This is why I am recommending that visitors who do not know much about what to expect do some research. A starting point is to look at a ma...
by Lynette
Mon Jun 18, 2018 7:55 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 93
Views: 7264

Re: how to make friends in new location?

I am pretty sure this is the totally wrong attitude. I think that a lot of this depends on how one defines "friends", "acquaintances" and the need one has for closeness. 2015 has told us that he has given up a good part of this year to be deeply involved in hospice of someone close to him. In addit...
by Lynette
Sun Jun 17, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5088

Re: A vehicle that "sits up" but can't afford CRV

I asked he what the price point is and she said with trade tops is about $10,000. So with a trade of $2000 (old CRV) she could get a vehicle around 10-11K after taxes etc. She is looking at 2016 Ford Escape with hail damage at around $9000. Like the feel but not sure of a clear title at this point....
by Lynette
Sun Jun 17, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 93
Views: 7264

Re: how to make friends in new location?

I agree about the dog. I don't have one but when I go for walks, inevitably I land up chatting to the dog owner. I have been redoing my front and back yard and spend quite a lot of time in it. I have made a lot of friends with neighbors and even people down the street by asking advice and exchanging...
by Lynette
Sun Jun 17, 2018 5:51 am
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4459

Re: African Safari: Worth it or Hype?

We went to Kruger in our own car. From memory it cost something like $20 a day. It was very very cheap. We got to the park gates when they opened and stayed until dark. We did this 2 days in a row. Most of the tracks had nobody on them. We were often the only ones. Our car was surrounded by baby hy...
by Lynette
Sat Jun 16, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4459

Re: African Safari: Worth it or Hype?

A minor point on terminology. Many people born in Africa, smile when Americans says they are going on a safari. When I was growing up in South Africa, a safari meant that one was going on a pioneering trek into bush country possibly on foot with a few African guides, food supplies and a few guns. Th...
by Lynette
Sat Jun 16, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4459

Re: African Safari: Worth it or Hype?

@Travel Geek. Congratulations on researching, understanding and implementing your travel plans so successfully. My advice is to decide what you want to do, decide on your budget and then research, research, research. The local tour providers are aware that there is a market for tourism. I frequently...
by Lynette
Sat Jun 16, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 57
Views: 4459

Re: African Safari: Worth it or Hype?

Africa is a large continent. Where are you thinking of going? Usually a safari is a visit to a game park. The accommodation can vary from luxurious to roughing it in tents. Sometimes the intent is to kill to animals and bring back photos and trophies for the admiring crowd back home. "Safari" is too...
by Lynette
Thu Jun 14, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Most days I go to McDonalds and get a Diet coke, coffee and a yogurt parfait. I had some minor surgery so am supposed to take it easy but it is day 11 - and I wanted to fix my garden. The guy on the lawn service motorized lawn mower totally destroys my lawn. Last year I had a new driveway installed...
by Lynette
Thu Jun 14, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Will Vanguard/Fidelity automatically deduct QCD from RMD?
Replies: 27
Views: 2451

Re: Will Vanguard/Fidelity automatically deduct QCD from RMD?

Good Morning, This is an old thread that was revived and there have been many other threads on RMDs and QCDs. This year I requested both Vanguard and Fidelity to send me checks for QCDs early in the year. I mailed them to the charities and asked for verification that the money had been received. The...
by Lynette
Wed Jun 13, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

I've read where some car rental agencies won't let you rent a car if age 70 or above, is that true? That would be an age-related deterrent if true. I want to continue renting cars at that age. I have never read of a problem in auto rental in the U.S., but in some countries I read that there may be ...
by Lynette
Wed Jun 13, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Thanks Toons! I will look into the Tandem app - looks really interesting and likely what I need. If I remember correctly, it was Nisiprius who mentioned that he uses italki. :wink: Besides the books that community college uses I like the series called "Practice makes perfect". They have all kinds of...
by Lynette
Wed Jun 13, 2018 5:44 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

* Spanish lessons. * Another spanish lesson while drinking coffee. * Helped my friend in Mexico City with some new english words...via Tandem application * Spoke with another friend in Portugal who is learning English also. * Intensive spanish lesson,, * More spanish with my friend in Mexico City,,...
by Lynette
Tue Jun 12, 2018 6:33 pm
Forum: Investing - Theory, News & General
Topic: The Deep History of Stock & Bond Returns
Replies: 75
Views: 5007

Re: The Deep History of Stock & Bond Returns

Thanks for posting this. It shows how global power changes. These companies were actually far more than merchants. They were the rulers of their territories with armies. For example: https://en.wikipedia.org/wiki/Dutch_East_India_Company "The Dutch East India Company became the world's first formall...
by Lynette
Tue Jun 12, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 94
Views: 9324

Re: At what point to buy new car for safety

This is not a new safety feature but I would never again buy any vehicle without a backup beeper. I live on a narrow street with a lot of construction. Houses are being torn and replaced with mansions. In addition in the summer there are always a large number of vehicles doing lawn and landscaping s...
by Lynette
Mon Jun 11, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Preparing to return tomorrow to the highly extracting morass that is elder and hospice care which has been incessant since January. It would be nice to say I was preparing for my next scheduled travel adventure this month but all adventures for this year have evaporated in light of this higher prio...
by Lynette
Mon Jun 11, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Is this place turning into Facebook now? What is a consumer issue, finance, or investing related about this? Nothing really. But it is a retirement issue. A lot of BHs seem to struggle with the concept of filling their previous working hours with their own creative agenda. A thread like this may gi...
by Lynette
Mon Jun 11, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Very interesting to hear what folks are doing. Wonder what age most of you are. I have the the feeling that the 60s are pretty good with activities and maybe early 70s. How many are still on the move older than that? Seems like the mid-70s are the watershed and things slow down a lot then. I retire...
by Lynette
Mon Jun 11, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

...I plan to take Spanish at my local community college in the fall. They do not offer sufficient advanced classes. I suppose I should start to read Spanish newspapers and all of the books I have! There are a few Spanish language TV stations here and I assume in your area also. Watching Spanish soa...
by Lynette
Mon Jun 11, 2018 11:26 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16548

Re: Life in retirement - what did you do today?

Most days I go to McDonalds and get a Diet coke, coffee and a yogurt parfait. I had some minor surgery so am supposed to take it easy but it is day 11 - and I wanted to fix my garden. The guy on the lawn service motorized lawn mower totally destroys my lawn. Last year I had a new driveway installed ...
by Lynette
Sun Jun 10, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 1916

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...
by Lynette
Sun Jun 10, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Source of objective assessment of Medicare B,C,D
Replies: 33
Views: 1916

Re: Source of objective assessment of Medicare B,C,D

When you turn 65, you are usually eligible for Medicare. Some folks stay on an employer plan, but then may have problems switching to Medicare supplemental plans if they later have pre-existing conditions. If you sign up for Medicare and defer Part B, and instead stay on your employer plan, once yo...
by Lynette
Sun Jun 10, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11157

Re: Are you including SS in your planning model? Are the benefits really that high?

Medicare is available if one is eligible for Social Security. The amount that one receives from Social Security depends on one's work record. On the other hand, one can retire at 35 and still receive full Medicare benefits if one has worked for 40 quarters. Whatever. i think below age 65 one is onl...
by Lynette
Sat Jun 09, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Foreign language immersion daycare
Replies: 50
Views: 2569

Re: Foreign language immersion daycare

By the time your unborn child is an adult, the only use of speaking foreign languages will be to impress the opposite sex. Technology is already very close to making the skill obsolete. We do VCs with live translation from time to time where the software takes care of it. My team member with 5 flue...
by Lynette
Sat Jun 09, 2018 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11157

Re: Are you including SS in your planning model? Are the benefits really that high?

Medicare is available if one is eligible for Social Security. The amount that one receives from Social Security depends on one's work record. On the other hand, one can retire at 35 and still receive full Medicare benefits if one has worked for 40 quarters. Whatever.
by Lynette
Sat Jun 09, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Another home thread: 2mil / 40K in taxes
Replies: 59
Views: 5384

Re: Another home thread: 2mil / 40K in taxes

For context the OP asked this question last year but decided not to purchase a house he was considering. There is a lengthy thread on it: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=221847 The OP mentions that he is revisiting this subject and reading the previous thread may answer some of ...
by Lynette
Sat Jun 09, 2018 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11157

Re: Are you including SS in your planning model? Are the benefits really that high?

Don't forget that you will be taxed on it and Medicare B and D premiums will be deducted as well. As I have pensions, SS and RMDs, I also have to pay additional Medicare (IRMAA) premiums. I have 25% deducted for taxes. This could be lower with the new tax rate. So according to my statement, nominall...
by Lynette
Fri Jun 08, 2018 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17579

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

Utility over utopia is difficult to define as an objective for life especially for an 18-year old. During a 50+ year career, all that I have seen is constant change, need to adapt, relearn and scrounge to remain employed. In the mid nineties, I was laid off in iT at a Megacorp as were many with good...
by Lynette
Fri Jun 08, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 17579

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

The only way to shortchange your child is to let them choose a dumb major. And what is a dumb major? I know it is popular to think of college as a trade school these days, but there a few majors that are not stepping stones to jobs. Granted with half of them you end up having to go to law school😁 I...
by Lynette
Thu Jun 07, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: RMD donations using checks
Replies: 26
Views: 1367

Re: RMD donations using checks

This year I asked both Vanguard and Fidelity to send me checks made out to charities as QCDs. I received checks from both promptly. Then I mailed the checks to the charities and asked them to send me a receipt so I could prove the checks were cashed. All went well. Then I took the remainder as RMDs ...
by Lynette
Wed Jun 06, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Selected photos of my 4 week ride through the Balkans and the Eastern Dolomites
Replies: 17
Views: 2071

Re: Selected photos of my 4 week ride through the Balkans and the Eastern Dolomites

Thanks looks really interesting - I bookmarked it. A few years ago I went to this area in a far more relaxed manner - cruise of the Dalmatian coast - mainly Croatia. To me it is a fascinating area as eons ago I was a Latin teacher.
by Lynette
Fri Jun 01, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8603

Re: is Having more and needing less normal?

In all honesty I think a lot of this happens when people start weighing the value of items versus investing the money so they can retire. So mentally they are comparing the value of a material item versus an idealized version of how they would spend the extra time even if it is just doing nothing. ...
by Lynette
Thu May 31, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?
Replies: 92
Views: 5439

Re: German Bonds: a virtually riskless bet for an Italian investor, with no downside and a big upside possible?

Interesting times! I lived in South Africa during the Apartheid era as as many were moving money out of the country. To prevent a run on money, the government slapped on exchange control. One even had to apply for a foreign exchange allowance if going on business or vacation. I forget where the favo...
by Lynette
Wed May 30, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7433

Re: Advice on neighbor not keeping up his property...

You mention that he is a nice guy. Why not get to know him better and casually bring up the subject of house and yard maintenance in a friendly, non-threatening way without mentioning your issues. Its really best to live in peace with one's neighbors. I'm sure we could all write books about neighbor...
by Lynette
Wed May 30, 2018 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Lump sum versus annuity - could use your insight.
Replies: 18
Views: 2247

Re: Lump sum versus annuity - could use your insight.

Are you aware of Medicare IRMAA - https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html? As you are married, the brackets are higher than for singles. This may not impact you as most of your savings are not pre-tax but it's something to keep in mind as potentially you have lar...
by Lynette
Tue May 29, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best retirement places for shy senior singles
Replies: 32
Views: 3899

Re: Best retirement places for shy senior singles

Join a local gym and you will inevitably meet people. Probably too many. +1 My health club is unusually sociable and I get free coffee and a bagel every morning. I've become friendly with some old guys who hang out there. One even invited me to join a group of these old guys for coffee on a Sunday ...
by Lynette
Tue May 29, 2018 8:24 am
Forum: Personal Consumer Issues
Topic: Solid Raw wood from South Africa infestation?
Replies: 23
Views: 2460

Re: Solid Raw wood from South Africa infestation?

It's a lot longer than a couple of days, at least for clothes moths. Freezing temperatures are not unknown in Southern Africa -- mountain plateaus with absolutely clear skies frequently drop below 0 C in winter. I'd say a few months to be safe. In Johannesburg (6,000 feet above sea level) it gets d...
by Lynette
Mon May 28, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: None Citizen Step Siblings
Replies: 3
Views: 615

Re: None Citizen Step Siblings

If you gift it to them, they own it and can do whatever they like with it. They could invest it according to your wishes or whatever they wish. If they open accounts in their name, they are responsible for taxes etc. If you open it in your name, it becomes a nightmare for a US resident/citizen(?) to...
by Lynette
Mon May 28, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum versus annuity - could use your insight.
Replies: 18
Views: 2247

Re: Lump sum versus annuity - could use your insight.

Are you aware of Medicare IRMAA - https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html? As you are married, the brackets are higher than for singles. This may not impact you as most of your savings are not pre-tax but it's something to keep in mind as potentially you have larg...
by Lynette
Mon May 28, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: J P Morgan Retirement Guide 2018
Replies: 4
Views: 1119

Re: J P Morgan Retirement Guide 2018

Thanks for posting. Extremely interesting.
by Lynette
Mon May 28, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Why pay cash for a car?
Replies: 248
Views: 29364

Re: Why pay cash for a car?

Laziness. I did not want to have to unfreeze my credit cards even though this only takes about !5 minutes and costs me about $20.00. In addition, I had the money in a savings account and I have to pay tax on the interest and this increases my MAGI which increases Medicare IRMAA. I'm not sure if it w...
by Lynette
Sun May 27, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 44
Views: 2552

Re: Considering iPad to replace failing Nexus tablet

I move between Apple, Android and Microsoft products without any difficulty. But the device I use most of the time is my Chromebook as I like a real keyboard. I use the Kindle Cloud reader most of the time to read books. I like a real keyboard so my Chromebook is the one I use most of the time despi...
by Lynette
Thu May 24, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Fear vs. reality. Don't worry. Be happy. [Outliving your retirement savings]
Replies: 41
Views: 4654

Re: Fear vs. reality. Don't worry. Be happy.

I can't fathom that the annual medical costs for "90% of retirees" is less than $2,000. Balderdash. Mine are. I assume they are not counting Medicare premiums. Medicare IRMAA B and D premiums, Medigap G and Drug costs are about $600 per month for me. Additional our-of pocket costs are less than $10...
by Lynette
Thu May 17, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Free skin cancer screenings
Replies: 26
Views: 2352

Re: Free skin cancer screenings

I had surface level 1 melanoma on my arm about 25 years ago. I had a mole removed and then spent a lot of time in the sun. In my youth no one mentioned one should stay out of the sun or use sunblock. After the procedure, panic broke out by the staff at my dermatologist. I was had lots of moles remov...
by Lynette
Thu May 17, 2018 7:33 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 512
Views: 31469

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

As someone said - work too long. I worked into my seventies so I had no low income years to do Roth conversions. My Megacorp only introduced Roth 401K recently. I have pensions and SS on which I can live without withdrawing from my portfolio. Now I also have to take RMDs. I am far from wealth by sta...
by Lynette
Tue May 15, 2018 5:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Yes, I'm 89 all right! [Jack Bogle]
Replies: 126
Views: 9921

Re: Yes, I'm 89 all right! [Jack Bogle]

Happy Birthday and may you have many more and thanks.

Best wishes

Lynette
by Lynette
Mon May 14, 2018 4:11 pm
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 138
Views: 7820

Re: Is there a boglehead muscle car?

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by Lynette
Mon May 14, 2018 7:22 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 11636

Re: The front page is ugly

It works very well. There are no ads, pop up videos that start playing when I access the page, loads quickly .. Thanks to those who put their time into maintaining it.
by Lynette
Sun May 13, 2018 11:37 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8242

Re: Bucket List Adventures/Activities

I’d like to walk across Scotland via legal rights-of-way, staying in inns along the way, either west-to-east or the reverse. Not sure I’ll ever do it. I knew someone once who took this route with his son. He said it can get quite chilly in the highlands, even in summer. Two years ago I went on a to...