Bogleheads.org

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I get up when I wake up, which is around 5:30a. Key to my quality of life is having a fresh pot of coffee ready to go. (We prepare the coffeemaker the night before and set the timer.) I read the news and catch up on email until breakfast at 8:00a, with a nice, long dog walk afterward. I prefer going...

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I have been flying biz class for longer haul flights for about 15 years. I pay cash for an economy fare and upgrade using miles mostly earned via the Chase Mileage Plus Visa. (If an upgrade isn't available, I find another flight.)

[OT comment removed by admin LadyGeek]

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It will be less about throttling and more about positioning decent streaming as superior quality that is available to discerning customers for a premium.

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Our favorite HOT hot sauce is Sambal Oelek, a Thai chili paste. It packs a wallop and is flavorful, too.

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I've stayed in Brighton for extended periods and really like it. It's bustling but also laid back, with good restaurants/coffee houses, galleries, historical locations, etc. And it's less than an hour by train to London, half that to Gatwick for hops to other European cities.

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Back when this link was first posted (June 2016), someone wondered if Oliver's message was really reaching anybody, and HurdyGurdy posted these stats: 2,235,972 views, almost 48,000 thumbs up and 624 thumbs down, 3,800+ comments. Since then, the stats are: 8,463,180 views 93K likes 4800+ comments .....

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I buy "gently used" cars with as few miles as possible and are still under warranty. Other than that, I don't really care about model or color or options as long as my basic needs are met, which is to transport two dogs and two people, plus 4wd or AWD for snow days. I go for what I like the most amo...

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I went to 3 funds in 2015 when I retired and rolled over my 401K to a Vanguard IRA. The simplicity appealed to me then and still does, so I'm not especially open to complicating things. I do hold sector ETFs in taxable and Roth (e.g. tech, small cap, emerging markets, etc.), for no better reason tha...

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The healthcare sector grew faster than any other from 2006-2016 (3.8 million new jobs) and is projected to continue that trend from 2016-2026 (4 million new jobs) by the Bureau of Labor Statistics. It's not just a cost; it's a source of income for about 19 million people. I mean when 1 in every 5 d...

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There's a nice gym in walking distance, but they charge $70 per month plus signup fees to join. Otherwise, there's a budget gym - 15 minute car ride - that charges $10-20 per month plus signup fees. Thoughts? If you're older, have you looked at Silver Sneakers to see if they might cover the cost of...

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Staying the course; not being fearful and/or tempted to make changes based on what the markets are doing.

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When I go to the ATM, I usually withdraw $200. It usually lasts 2-3 months, sometimes longer.

We also keep about $500 stashed away at home, just in case it's needed. It rarely is.

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I look just about every day and always have. I know what the markets are doing and how they should affect my portfolio, then at the end of the day I check. It only takes a few minutes and seems like the responsible thing to do with my life savings. Happily, I have never been tempted to alter my plan...

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I'll be spending a month in England visiting a friend. We're planning two 3-day side trips, one to Ireland and one to the French/Swiss border area. Day trips to London.

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Yes and no. I start the year with my planned year's expenses in my checking account and hope that covers me to December 31st. It usually does. Otherwise I don't track.

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65 and retired here. I have a heart condition, so I have to avoid strain lest my aorta explode. I see a personal trainer M, W and F for an hour each time. Basically, I do lower weights than I can actually lift, with a higher number of repetitions, usually 15-20 each set for 3 sets. I warm up, stretc...

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Using this CNN article's definition, I am both wealthy (net worth) and middle class (annual income).

http://money.cnn.com/infographic/econom ... index.html

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For a while after I retired, I took naps whenever the whim struck, and it was lovely. But I sleep better at night when I haven't napped that day, so I stopped.

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I'm 65 and like computers a lot. Sure they could be more stable and intuitive, but I don't mind troubleshooting from time to time. I have a straightforward rig, though, nothing complicated. I do like Windows 10 better than 7.

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I'm closing in on three years and have zero inclination to do paid work of any kind.

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GrayS26 wrote: ↑
Sun Jan 07, 2018 5:51 pm
...and give me suggestions for things I’m looking for.

What are some things you're looking for?

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Yes, doing it right is better then doing it wrong, than people will know!

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After bogleheads, of course, as I approached retirement, consistently the most pertinent and interesting read for me was Darrow Kirkpatrick's https://www.caniretireyet.com

I did not meet with a financial planner when I retired in 2015. I didn't see the need/benefit and still don't.

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I can literally look up an entry for any check I've ever written... I worry about the ease of finding information quickly... Maybe I'm just lucky, but I've never needed or wanted to look up a check from years ago. Is this something people do? I only write a check or two a year and don't bother reco...

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tennisplyr wrote: ↑
Sat Dec 23, 2017 8:17 am
Is there anything you are doing more/less of or have changed what you were doing in the past?

Nope.

I'm 65 and have been retired 2.5 years.

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The wiki has a page on TLH: https://www.bogleheads.org/wiki/Tax_gain_harvesting

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What would you do? You're probably doing even more work to facilitate this arrangement than you outline. Who's making up the bed, washing linens and towels, doing extra dishes, cleaning the bedroom afterwards? Does the cousin make himself scarce in the evening or hang with you and your husband, thu...

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I'm retired with no bonds in Roth and no plans to put any there for the standard reason.

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Household of two, generally about $400 each per month, which includes household items like cleaning supplies, paper products and pet food (2 dogs and a parrot), but not alcohol or eating out.

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Confirming what ZinCo said. I use VPN and the Vanguard site remembers me just fine with no additional prompts.

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In case you are not already aware, some states have reciprocal agreements with other states so that you don't have to file two state returns. For example, in 2015 I moved from Illinois to Wisconsin; I had to file only a Wisconsin state return. Turbo Tax handles this easily. Here's the list: https://...

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The wiki has a page on tax gain harvesting:

https://www.bogleheads.org/wiki/Tax_gain_harvesting

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I've been happy with the monitor linked below. While it is automatic, you'll note in the top review that a medical person says its results compare well with those taken manually.

https://www.amazon.com/gp/product/B00KP ... UTF8&psc=1

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The other day I nearly dropped a hot dish using my clumsy old hot pads, so when I saw these oven gloves at 70% off I spent a whopping $11.95 on them.

https://www.amazon.com/gp/product/B01ET ... UTF8&psc=1

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Isn't a spender going to run out of cash and think, "No problem, there's lots more of that at the ATM"?

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Wow, that seems wildly imprudent to disclose so much about her finances using her real name when she is so easily located on social media.

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There are two so far: https://vimeo.com/channels/bogleheads/videos

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You could likely get some good info by joining the International Carwash Association for $200:

http://www.carwash.org

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TheQuestionGuy wrote: ↑
Mon Oct 30, 2017 8:39 pm
what indicators are you watching for the next adjustment?

I like the Economist's Global Forecasting Service free monthly summary report for a "view from 35,000 feet." http://gfs.eiu.com

I also like this graph:

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What would you do? First, I would adjust my views as to when I might be able to retire. Second, I'd explore the wiki here, along with the forum discussions, to understand that my views and current position are inconducive to investing success. Finally, I wouldn't beat myself up about past mistakes,...

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Higman wrote: ↑
Mon Oct 30, 2017 6:40 pm
Definitely Sintra:

http://www.sintra-portugal.com/guides/S ... isbon.html

+1

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1, 7 and 8: I hit my number, I was ready for a life of leisure and I was a bit burned out at work.

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I don't really know how my octogenarian self would feel, finding himself on that trajectory, to which I had committed him during my 60s and 70s. I wonder what thoughts or experiences people have about this. I'm 65 and have been retired two and a half years. What I'm not seeing in the responses so f...

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I created an account and then applied on line. It was easy-breezy, and a real live person followed up with an email to confirm. (I did have to go in person to my local office before payments commenced, but ONLY because of a silly data entry error the SSA made at some point in my distant past: their ...

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65 with congenital heart condition—work is good, strain is bad.

At the gym MWF: 30-minute warm up, balance and flexibility; 60 minutes with trainer, lower weights with higher reps.

Most days: brisk walking 40-50 minutes/about 2 miles.

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Lawn and yard care plus occasional arborist
Housekeeping services
Personal trainer 3 x per week
Bringing in/putting out the lake pier annually
Snow removal
Handyman services (e.g. from minor repairs to a bathroom remodel)
Doggie beauty parlor
Oil changes

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No.

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I'm fine with a decent correction. It's the indecent corrections that concern me.

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Here's a link to what I believe to be the referenced article: https://www.consumerreports.org/medical ... s-covered/

It isn't at all clear, but I'm thinking they're referring to Medicare Advantage plans.

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You can get Medicare/supplement to "talk" to each other so you don't have to do anything. Doctor sends bill to Medicare and Medicare tells supplement the charges and what they paid. You don't have to submit anything once you set this up. With the supplement you don't have to worry "much" about the ...

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