Search found 1399 matches

by Lynette
Tue Nov 21, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 83
Views: 4563

Re: What are the things you want to do between 55 and 65?

I toured the world while still working till 73 - 4 or 5 international trips each year for over 20 years. I fixed up my house and garden. Today I have to modify a trench I dug to get the water runoff from the new driveway to the catch basin at the back of the house. I thought I'd splurge and get my l...
by Lynette
Tue Nov 21, 2017 8:24 am
Forum: Personal Consumer Issues
Topic: New car buyers...you should consider financing
Replies: 31
Views: 2179

Re: New car buyers...you should consider financing

When I bought a new car two years ago, I think that the Dealer got an incentive from the manufacturer who owned a credit company. I was OK with that as I had suddenly decided to buy a new car when a good deal came up and I did not have the cash as I had to move my money around to pay it off. The has...
by Lynette
Mon Nov 20, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 34
Views: 2469

Re: Medicare Part B premium unchanged for 2018

Don't forget your option to use QCDs (Qualified Charitable Distributions) to keep your MAGI in check. I see charitable giving like QCDSs for those who plan to give away money anyway. Otherwise you are giving up a large chunk of money you may need. Lynette - someone said paying the taxes means you m...
by Lynette
Sun Nov 19, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 34
Views: 2469

Re: Medicare Part B premium unchanged for 2018

I was not aware of IRMAA premiums when I did my tax planning for retirement. Oh well!! Yes, a lot of people get surprised when they delay SS to age 70, right when they begin RMDs. The taxes can be huge, plus the extra cost for Medicare premiums B and D. I took SS at 70 but worked till 73 so did not...
by Lynette
Sun Nov 19, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer Money from South Africa
Replies: 9
Views: 620

Re: Transfer Money from South Africa

I'm not sure of the current regulations but from my experience of years ago, you cannot simply move money out of South Africa. Its not like the dollar where I can easily funds to an individual in South Africa. Movement of South African currency out of the country was subject to regulation by the Sou...
by Lynette
Sun Nov 19, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 34
Views: 2469

Re: Medicare Part B premium unchanged for 2018

Does anyone have a link to the tables for those of us who have additional taxes on our pensions via the IRMAA premium? It's on this page: https://www.medicare.gov/your-medicare-costs/part-b-costs/part-b-costs.html Thank you. The added in another group for Part D premiums: above $107,000 up to $133,...
by Lynette
Sun Nov 19, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part B premium unchanged for 2018
Replies: 34
Views: 2469

Re: Medicare Part B premium unchanged for 2018

Does anyone have a link to the tables for those of us who have additional taxes on our pensions via the IRMAA premium?
by Lynette
Sat Nov 18, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Suggestions for 1st week vacation in 2018?
Replies: 21
Views: 1244

Re: Suggestions for 1st week vacation in 2018?

Check carefully what the demand is for airlines flying on December 31 or January. I've had flights cancelled on both dates due to lack of demand. Granted I was on multi-stopover long flights to South Africa. and spending a lost week in Joe-berg would not be fun. Actually I spend most of my time in ...
by Lynette
Sat Nov 18, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Suggestions for 1st week vacation in 2018?
Replies: 21
Views: 1244

Re: Suggestions for 1st week vacation in 2018?

Check carefully what the demand is for airlines flying on December 31 or January. I've had flights cancelled on both dates due to lack of demand. Granted I was on multi-stopover long flights to South Africa.
by Lynette
Sat Nov 18, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Volunteer to be laid off?
Replies: 34
Views: 2586

Re: Volunteer to be laid off?

I was at a Megacorp when a number of packages were offered. We were explicitly told we could not volunteer for a layoff. I was in a protected group that was not offered a package (IT database). I think that there are also legal requirements especially if it is a severance as HR has to prove it was n...
by Lynette
Sat Nov 18, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Timing if Medicare annual physical
Replies: 26
Views: 1232

Re: Timing if Medicare annual physical

I went for my first Welcome to Medicare exam after going onto Medicare at 73. I had coverage previously from my Megacorp. It was a nightmare to get Medicare B as my HR Department messed up the dates on the form proving I had coverage. My claim for the Welcome to Medicare was denied for two reasons: ...
by Lynette
Wed Nov 15, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: 55+ Early retirement offer.
Replies: 50
Views: 6129

Re: 55+ Early retirement offer.

Yes the first round of cuts and offers are usually the best. But unless you get some sort of health insurance from your employer to cover you from 55 to 65 you may have big issues. One year of Cobra is not a good offer. One year of Cobra that they pay for and then the ability to buy insurance on th...
by Lynette
Tue Nov 14, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: What laptop with my usage?
Replies: 16
Views: 634

Re: What laptop with my usage?

Chromebook, of course. I've given some to relatives as gifts and they use them 90% of the time as I do. The small screen is actually nice if you use it mainly for browsing. I'm sitting in my recliner at the moment with my small screen. I think I bought it for about $200. I'd also advise buying anoth...
by Lynette
Sat Nov 11, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Possibly - get around to it. I ordered a new battery for it from Amazon - total junk - would not hold a charge. I've ordered a new battery - I'll see if this one works. I've read comparisons between the iPhone X camera and the Note 8. It's a close tie. But I do not think you can save a photo as RAW ...
by Lynette
Sat Nov 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6458

Re: Do you meditate?

I go to Yoga at my health club as I think its likely good for me. Today the teacher was reminding us to breathe, breathe, breathe. I think that this is good as well as some of the poses.
by Lynette
Sat Nov 11, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6458

Re: Do you meditate?

No. Not on a daily or monthly basis. I have been to a week long Meditation retreat and as well as Meditation Weekend courses and weekly sessions to share time with my spouse. My spouse joins me for ski vacations so it only fair. I do the courses and I enjoy them. I just rather exercise, read or ski...
by Lynette
Wed Nov 08, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4780

Re: What do you do to keep your mind sharp?

- Go to my health club every morning - unusually sociable - met one lady who runs a plumbing company - took over when her husband died, another runs her own construction company, another in her eighties has been goes to a quilting club of which she has been a member for over 25 years. I swim, do yog...
by Lynette
Wed Nov 08, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 35
Views: 4384

Re: Considering buying a new cell phone- ideas?

Samsung S8 Google Pixel 2 :happy After 2 days experience I'd add Samsung Note 8 - phenomenal camera that has almost of many customization options as my DSLR. S-pen stylus is also great - need to learn how to use it! This comment is for Toons - not for the OP. Its in the same price range as the newe...
by Lynette
Tue Nov 07, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

I think that the Pixel 2XL, Note 8 and iPhone 8 and iPhone X are all great phones. I've had iPhones and Samsung Notes - give old ones to relatives overseas. I tend to think that the iPhones are easier to use - more user friendly - but the Notes have more opportunity for customization.
by Lynette
Tue Nov 07, 2017 7:57 am
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Make You Lazier?
Replies: 87
Views: 7580

Re: Does Retirement Make You Lazier?

I don't think so but it makes me more realistic in how many of my goals I can achieve. I retired at 73 as I wanted to take photography, Spanish etc. at a community college, I'm catching up on projects that I delayed such as exercising more and fixing up my house and garden. The latter project takes ...
by Lynette
Mon Nov 06, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Thanks for the information on the case. I went to AT&T to get a new sim. I know that they overcharge on their screen protectors and cases but they do the installation for me. I can never seem to get the screen protector to align properly. I'm really hard on my phones - must learn not to put in my ha...
by Lynette
Mon Nov 06, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

It's worth the extra bucks when I go to my digital photographic class at the community college next year to be able to show off my new phone camera to the kids :D They likely know more about photography than I do but won't have the fancy phone I have. Seriously I bought it for the cameras.
by Lynette
Mon Nov 06, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

The Note 4 I got from Ebay had about 35 Apps running. I could not uninstall them. I could disable them but had to do this each time there was a major upgrade. The Note 8 seems to be a major improvement in this area. I was able to uninstall one app. Some others seem to be hidden and are not activated...
by Lynette
Mon Nov 06, 2017 8:03 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

I purchased the S8 from Walmart about 7 months ago. I use it in conjunction with Straight Talk Service which I have used for years. The phone is outstanding. :happy https://www.walmart.com/ip/Straight-Talk-Samsung-Galaxy-S8-LTE-Prepaid-Smartphone/353904048 Thanks - I don't think the S8 has the dual...
by Lynette
Mon Nov 06, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Just got a Note 8 to replace my Note 5. It's great so far. Battery life is just ok. Best part is I got it for free. Well, actually better than free! T Mobile had a promotion in my area where you get $750 towards a new phone when you start new service switching from another carrier. On top of that, ...
by Lynette
Mon Nov 06, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Got my Note 8 for half price and a week before launch because I had owned the Note 7, which I still regret having to give up--it was THAT good. I actually considered importing a Note Fan Edition (Refurb Note 7 with smaller battery), but $900 for a year-old flagship with a crippled battery was too r...
by Lynette
Sun Nov 05, 2017 10:40 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

The Note 8 seems to be a considerable improvement on the Note 4 and the Note 5 I lost. Samsung has likely incorporated the improvements from its other products a the Note series died with the infamous Note 7 battery problem. The Note 8 is longer than my Note 4/5. In addition it seems to have far les...
by Lynette
Sun Nov 05, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6565

Re: GoDaddy - Any better options for website hosting?

I agree that Google's Blogger isn't a great candidate to be used as it appears to be no longer actively supported by Google. However, if you want to own the data, you can simply export it and delete your websites. I have used Google's Blogger for posting simple travelogues with photos. I have turned...
by Lynette
Sun Nov 05, 2017 7:56 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 6565

Re: GoDaddy - Any better options for website hosting?

What security do you need for something that is public information anyway? If someone is going to comment, I assume that he/she would have to create an account on the website and at a minimum provide an email address. The account would only be activate once it was verified via that email address. I...
by Lynette
Sun Nov 05, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 1465

Re: Anyone did tours (to Peru) with Gate 1 Travel?

From the comments on this thread, it seems that Gate1 gets good reviews. I have never traveled with them and don't know anyone personally who has. I know that there are some tour companies that cater to the twenties something crowd - party all night and not quite sure which city they are in next day...
by Lynette
Sun Nov 05, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Thanks. I think we are in agreement. I know that there is a such thing as a discount on a phone via a contract anymore. It seems that I could not buy an unlocked phone I wanted from AT&T. I could get it unlocked after paying the full purchase price but I wanted to avoid this. I think that they have ...
by Lynette
Sun Nov 05, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

I have just retired and I'm going to take a class in photography at the local community college. I have a DSLR and to me what was lacking in the smartphone cameras was an optical zoom. I see that the iPhone 7 plus and 8 plus as well as the Note 8 have dual rear cameras that gives one depth of field...
by Lynette
Sun Nov 05, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

I went to the Apple store. Its Sunday, raining and parking was crazy. Then the pleasant guard (policeman?) at the Apple Store agreed that he looked a little frightening with his gun and military-type equipment! The crowd was crazy and when I finally found an Apple Employee, I was told I'd have to st...
by Lynette
Sun Nov 05, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Re: Has anyone bought a Samsung Note 8?

Thanks Ron. I've decided to go with the iPhone 7 plus. I used to buy phones and give the old ones to family members. Some time in the past I had the latest models of the Samsung Note and iPhone plus. I would run both and the Samsung phone always drained the battery faster. I know that test show they...
by Lynette
Sun Nov 05, 2017 6:46 am
Forum: Personal Consumer Issues
Topic: Has anyone bought a Samsung Note 8?
Replies: 34
Views: 1886

Has anyone bought a Samsung Note 8?

Has anyone tried the Galaxy Note 8. I've been reading the threads on the Pixel 2 XL and iPhone X and as well as well as researching the new Note 8. All seem to be around $1,000! I need a new phone - lost my Note 5 and bought a temporary solution Note 4 from Ebay for $200. Its not working properly so...
by Lynette
Sat Nov 04, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 378
Views: 25026

Re: Iphone X is $1000

I have switched back and forth between Android and iPhone. I lost my Note 5 and bought a Note 4 on Ebay for $200. The Note 4 performance and battery are lousy. I was waiting to see what Samsung and Apple came out with. For me Samsung is likely out as I don't like all of the bloatware. I always manag...
by Lynette
Fri Nov 03, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 1465

Re: Anyone did tours (to Peru) with Gate 1 Travel?

I went with Trafalgar to Peru and had a wonderful time. Actually I thought Cuzco was very impressive. I have never been with Gate1. I think that they tend to be one of the more affordable (cheap?) companies. You may want to look into the accommodation that they offer. Having said that, in the end as...
by Lynette
Thu Nov 02, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2931

Re: Do you Mow your own Lawn?

No, but most of my landscaping is to protect my property against the lawn service. I have a small patch of space between the garage and fence on two sides at the back of my property. It was difficult to get grass to grow there properly as there is too much moisture. The lawn service used weed wacker...
by Lynette
Wed Nov 01, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: How to learn about financial statement analysis?
Replies: 31
Views: 2981

Re: How to learn about financial statement analysis?

Eons ago I did a degree in Accounting. While I'm sure that information is interesting, one has to be aware of what can be disguised. Despite all of the brilliant people analyzing, Enron, they were able to mislead everyone.
by Lynette
Wed Nov 01, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly
Replies: 18
Views: 2191

Re: 2017 Bogleheads Conference - Annuities: The Good, The Bad, and The Ugly

If you are single and don't have family close-by or heirs who need the money, could be a reason. As one ages, cognitive ability may decline. I will likely buy an SPIA annuity in my eighties even if I don't need the money. It will be a type of protection against fraud.
by Lynette
Wed Nov 01, 2017 9:23 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 5799

Re: Retirees: which websites do you spend the most time on?

City-Data retirement forum: http://www.city-data.com/forum/retirement/ Thanks for that link - looks interesting. I usually check google-news and go to whichever link I find interesting. NYTimes.com - subscribe Bank account that has links to my credit cards - check about twice a week. BBC.com I'm tr...
by Lynette
Tue Oct 31, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1636

Re: Barcelona Trip

I'd certainly go if you like that type of architecture. I actually wasn't so impressed with Barcelona - I prefer the cities with lots of Greek and Roman architecture. I'd keep an eye on what is happening but for now it seems quite safe. It seems that the president of Catalonia and most of his cabine...
by Lynette
Tue Oct 31, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: New guy here- almost 50 trying to help 70year old
Replies: 26
Views: 2627

Re: New guy here- almost 50 trying to help 70year old

I haven't read the whole thread in detail but I do not think that there is much discussion of taxation. This is the major issue to consider as far as I am concerned. If she is still working I assume she is getting health care from her employer and not taking RMDs if her 401K is with her employer. Wh...
by Lynette
Sun Oct 29, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help Planning Mom's Finances after Dad Passed
Replies: 27
Views: 2315

Re: Help Planning Mom's Finances after Dad Passed

Sorry for your loss and also think it is a good idea to delay major decisions. You may also want to consult an accountant to determine what happens when your mother reaches 70. She may minimize here MAGI at the moment but most people do Roth conversions in the 60 - 70 age time frame. You mother will...
by Lynette
Sun Oct 29, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: European Tours
Replies: 67
Views: 3167

Re: European Tours

I've been going overseas 4 or 5 times a year for nearly twenty years. Besides all of the good advice and tours given above there are two companies that do not advertise and are quite inexpensive. gct.com (Grand Circle) for older people and overseas and https://www.oattravel.com/ - Overseas adventure...
by Lynette
Sat Oct 28, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15085

Re: What was the main reason you retired?

1, 4, 5, 7, 8, 9

#4 No longer enjoyed job. Not entirely sad as my job changed and I had so much work that I had to work overtime and I could no longer take more than one week's vacation at a time. So the other factors came into play.
by Lynette
Sat Oct 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to switch from an iPhone to an Android?
Replies: 97
Views: 7158

Re: Is it difficult to switch from an iPhone to an Android?

Easy - switch back and forth. Email is email and a browser is a browser. Most Apps are available on both. I like the Note Stylus but dislike all of the junky Apps Samsung includes.
by Lynette
Thu Oct 26, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Accessing a Social Security Office
Replies: 20
Views: 1252

Re: Accessing a Social Security Office

I've been to a Social Security office twice recently. I chose a location close to me that is in a middle class neighborhood. I walked in and got served in less than half an hour. I took a book but had really interesting conversations with people around me and did not even get around to reading my bo...
by Lynette
Thu Oct 26, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: All in VANGUARD is that ok??
Replies: 64
Views: 8608

Re: All in VANGUARD is that ok??

I am not comfortable having my entire portfolio with one company due to possible blackouts etc. I have a Roth and taxable with Vanguard and I also have a taxable brokerage account at Fidelity. Most of my 401K is with my former employer. They have excellent funds with a low cost so I'm not in a hurry...
by Lynette
Thu Oct 26, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 12240

Re: Request for Promotion letter to Senior Management

No, just don’t. I have never seen something like that be successful. The right way to do it is to schedule time with the person and instead of saying “I need to be promoted” instead sat “what do I need to demonstrate to get to the next level?” And if they can't answer that question, that tells you ...