Search found 674 matches

by Padlin
Sun Apr 15, 2018 2:23 am
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 3921

Re: Is it necessary to replace brake fluid on a car every 3 years?

If you want to keep your vehicles in optimum condition as determined by the manufacturer, or their lawyers, go by the book. I do not use dealers for maintenance for the most part. Stopped at a Ford dealer in Mesa AZ in early 17 while on a long 10k mile trip to have the oil changed. They recommended ...
by Padlin
Thu Apr 12, 2018 7:47 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 37
Views: 2629

Re: Gardening 2018

Finally had a break in the lousy weather. Ran the tiller today so we can get the peas and garlic in this weekend. Ran into a little ice in the ground where it's in the shade all day.
by Padlin
Thu Apr 12, 2018 7:24 pm
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 164
Views: 16474

Re: Ordering a Weber grill this week

Was talking to my son last weekend about Weber's. His less then 10 year old Weber has 2 of it's legs rusted through, completely. My Skyline is 20+ and has nothing wrong with it. His has an enclosed base, mine doesn't. I've covered mine for 20+ years, he never has. We suspect the enclosed bottom may ...
by Padlin
Fri Apr 06, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 6382

Re: Want/need some income in semi-retirement

I used to be a number-cruncher/pencil-pusher analyst at a megacorp until I became semi-retired. I've been thinking about part-time tax preparer at HR Block. Anybody here do that and what's your experience? Thanks. Not me but my brother has done taxes for seniors for years as a volunteer in his town...
by Padlin
Thu Jan 11, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 27597

Re: Hitting The Sell Button

I'm 61, retired at 57. When I retired I changed allocation down to 50/50. Took about a year or so but I slowly stopped looking at my allocation and balance, I look a few times a year at the moment, when I look I rebalance if it's called for. I also cut back on how much news exposure I have, working ...
by Padlin
Mon Jan 01, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: IORP question/SS bug?
Replies: 23
Views: 1259

Re: IORP question/SS bug?

Ran ORP, at the point where I pass my spouse changes over to my full SS benefit no matter when I have her start hers, 64 or 67.
by Padlin
Mon Jan 01, 2018 6:38 pm
Forum: Investing - Theory, News & General
Topic: IORP question/SS bug?
Replies: 23
Views: 1259

Re: IORP question/SS bug?

I just reread it, you are correct, my bad.
by Padlin
Mon Jan 01, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 134
Views: 26874

Re: Vanguard - Four Fund Portfolio

The Lifecycles are 65/35 +/-, seems like a pretty big jump up to 50/50. I like they way they are now.
by Padlin
Mon Jan 01, 2018 5:12 pm
Forum: Investing - Theory, News & General
Topic: IORP question/SS bug?
Replies: 23
Views: 1259

Re: IORP question/SS bug?

Are you taking into account that spouse is taking early benefits so payout is reduced permanently for that spouse.
by Padlin
Sun Dec 31, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...now with progress Audio
Replies: 186
Views: 25180

Re: Learning Violin as an adult...One Year later!

Tried the guitar when I was roughly 40, didn't take to it. Retired at 57. Bought a Ukulele about 6 months later as I always wanted to learn an instrument. I play, if you can call it that, an hour or so most days, I like it a lot. Easy to make basic music, easy to teach your self via the internet and...
by Padlin
Sun Dec 31, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3502
Views: 988089

Re: What Movie Have You Recently Watched?

Took the kids to Jumanji, should have saved the $ and found the original with Robin Williams. The new one was okay at best.
by Padlin
Sun Dec 31, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: The Economics of a new Puppy
Replies: 113
Views: 7579

Re: The Economics of a new Puppy

Just for giggles, I went through what we spent on our 7 lb Maltese for the 13 years we had her, $17000. By far vet/med costs were the most 60%, followed by groomer fees 20% ,original purchase price 12%, and ending with the smallest part, food 5%.

No qualms, she was a good dog.
by Padlin
Thu Dec 21, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Toyota older, "good" cars - my observations
Replies: 52
Views: 5772

Re: Toyota older, "good" cars - my observations

We're on our 2nd Corolla, 1st lasted 14 years, this one is an 09 with 120k. Our other vehicles have been full size trucks for towing. Being in our 60's I think folks that buy Corollas are looking to save $ as opposed to being young. We'll keep it for another couple years then move on to an old perso...
by Padlin
Mon Dec 18, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Piano damaged when exercise bike installed
Replies: 13
Views: 1676

Re: Piano damaged when exercise bike installed

There are top notch piano dealers in Boston, finding a repair person should not be difficult or you can call your tuner and ask, they must know if there are good local repair folks. The remedy will depend on the size and depth of the scratches, could be anything from filling with colored wax to just...
by Padlin
Sun Dec 17, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: Auto and homeowner insurance ... How often do you switch?
Replies: 22
Views: 1752

Re: Auto and homeowner insurance ... How often do you switch?

I go as much on service, especially how things are handled during or following a claim, as I do on cost. I've been with Amica for around 20 years.
by Padlin
Sun Dec 17, 2017 5:55 am
Forum: Investing - Help with Personal Investments
Topic: Taxes on 401(k)withdrawl
Replies: 12
Views: 1234

Re: Taxes on 401(k)withdrawl

I live in MA and I'm over 60. Fidelity takes out 20% federal and 5% state no matter what I claim or how much I ask for. Don't know if it's a Fidelity or a News Corp policy. Your circumstances will differ.
by Padlin
Fri Dec 08, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Does a Boglehead ever time the market?
Replies: 65
Views: 4792

Re: Does a Boglehead ever time the market?

If we all waited for the stars to align in the investing heavens we'd never invest a dime, there's always something going on. Lump sum, DCA, do whichever makes you feel better about it, I've done both a number of times and can't tell which was better in the long run. To answer your question, yes, so...
by Padlin
Sat Sep 23, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 28436

Re: Calling out the not so rich bogleheads

I don't qualify as 35 or 40, but can tell about my situation at that age if you're interested, or skip over this. Married at 20, both in the Air Force, $0 net worth, no family $. Got out of the service at 24 in 1981, net worth - had some furniture and a car loan so probably negative. Got a job right...
by Padlin
Sat Sep 23, 2017 6:07 am
Forum: Personal Finance (Not Investing)
Topic: SS strategy source for couple.
Replies: 3
Views: 655

Re: SS strategy source for couple.

Thanks, that reinforces what I was thinking.
by Padlin
Fri Sep 22, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: SS strategy source for couple.
Replies: 3
Views: 655

SS strategy source for couple.

My wife and I were planning on using File and Suspend but as that's history I need to come up with a new plan, neither of us are eligible for it. Been looking around for hours now and can't find a write up on suggested claiming strategies other then the basics. If you know of a good site that goes s...
by Padlin
Sun Jul 24, 2016 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 202
Views: 18998

Re: Early retirees, how much did you leave on the table?

Retired at 57, if I had waited till my planed 60 my 401k and Roths would have grown about 10% from contributions, roughly 3% a year. So at 62 it would have been 15%ish. Of course my Income went up each year and my spending didn't, so I could have decided to put even more in then I was, but that's ju...
by Padlin
Sat Jul 23, 2016 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Updated: Financing retirement before SS - when to retire
Replies: 21
Views: 3642

Re: Financing retirement before SS - when to retire

Hi Dottie I retired in pretty much the exact same condition that you are in, financially. I do have company subsidized med insurance although it still runs us about $8k a year total. Total annual spending $60k. With 2 of us SS will cover about 90% at 70 so I have to cover 11 years (we're 60) with sa...
by Padlin
Sun Jul 10, 2016 5:19 am
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 8697

Re: wait for the drop?

Welcome Namrac If you want to do your own investing, like many of us, I'd suggest you take your time, do a bunch of reading and get comfortable with what you want to do before you do anything. Get into it as slow or quick as your temperament calls for. I know many that go both ways, some jump into t...
by Padlin
Sun Jun 26, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Move $ from 401K to Roth
Replies: 6
Views: 789

Re: Move $ from 401K to Roth

Thanks, Income will never be lower then the next 2 years. Just have to figure out the best amount.
by Padlin
Sun Jun 26, 2016 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Move $ from 401K to Roth
Replies: 6
Views: 789

Move $ from 401K to Roth

Background DW and I are 60, I'm retired (4th year), DW working part time, earnings around $5k No Pensions, will get top $ from SS, hoping to hold off till 70 for me, 66 for DW. Came into a small inheritance, will be living off this cash for roughly a couple years. Question. Not needing to make a 401...
by Padlin
Tue Apr 19, 2016 3:20 am
Forum: Personal Finance (Not Investing)
Topic: When was the most stressful financial time in your life?
Replies: 94
Views: 13771

Re: When was the most stressful financial time in your life?

The early years, say from 16-30. Living paycheck to paycheck, always felt broke. learned to live below your means, out of necessity, and to pay off your credit cards in full each month. The decision to take an early retirement offer was another. I learned it wasn't an easy decision. We'll see what h...
by Padlin
Tue Apr 19, 2016 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 9013

Re: Retirees: what's your Withdrawal Rate for this and last year?

No SS or pensions as yet, spouse working PT.
2015 just under 7%
2016 looks like 0%
by Padlin
Mon Jan 18, 2016 7:38 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 2850

Re: New Cell Plan

Been using Puppy Wireless for a few years now which uses Verizon as a carrier . If you go to the website you can check the prices. There is a Device Eligibility selection at the top of their home page to verify that your phone will work or not by the ESN (MEID) number. One note, they do not current...
by Padlin
Sat Dec 05, 2015 7:18 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 77455

Re: Free Windows 10 Upgrade, Yes or No?

Been running 10 for something like 6 months. Just the other day 2 updates asked to download and install, told it to go ahead. After the first, which was for the touchpad, I saw the 2nd one was huge, on checking further it was win 10pro. Took a quick look and MS is charging something like $150. No r...
by Padlin
Sat Dec 05, 2015 7:13 am
Forum: Personal Consumer Issues
Topic: New Cell Plan
Replies: 21
Views: 2850

Re: New Cell Plan

Been using Puppy Wireless for a few years now which uses Verizon as a carrier . If you go to the website you can check the prices. There is a Device Eligibility selection at the top of their home page to verify that your phone will work or not by the ESN (MEID) number. One note, they do not currentl...
by Padlin
Tue Dec 01, 2015 8:54 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 77455

Re: Free Windows 10 Upgrade, Yes or No?

Been running 10 for something like 6 months. Just the other day 2 updates asked to download and install, told it to go ahead. After the first, which was for the touchpad, I saw the 2nd one was huge, on checking further it was win 10pro. Took a quick look and MS is charging something like $150. No re...
by Padlin
Sun Nov 29, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 16865

Re: Guilty pleasures?

Ben & Jerry's almost every night when on vacation.
A Padron 1926 sitting on the porch on a nice day.
by Padlin
Sun Nov 29, 2015 9:50 pm
Forum: Personal Consumer Issues
Topic: Online prescription glasses good or bad?
Replies: 13
Views: 2852

Re: Online prescription glasses good or bad?

Might be too late, but if I don't make the optician mark where my pupils should be are in the new frames the progressives come out wrong. Out of the last 5 or 6 pair they did not mark it twice, both were useless when I got them. I'd be leery with progressives.
by Padlin
Sun Nov 22, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Emergency savings account
Replies: 16
Views: 2657

Re: Emergency savings account

It depends on what you consider an emergency fund for. If it's to be used for a new dryer, tires, car breakdown, and such, then you need it very fluid, like your checking and savings. If an emergency is more like losing a job, then you can put it somewhere it'll do better then .001%. I used CD's and...
by Padlin
Sat Aug 29, 2015 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 714

Re: Investing for retirement without a 401k

Thanks folks, looks like I have some WIKI reading to do.
by Padlin
Sat Aug 29, 2015 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 714

Re: Investing for retirement without a 401k

Can you do $5500 into both a Roth and an IRA, or just $5500 total, they are in their 30's.
by Padlin
Sat Aug 29, 2015 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement without a 401k
Replies: 7
Views: 714

Investing for retirement without a 401k

This question is for a family member, spouse #1 changed from full time to part time till the kids grow a bit, part time does not qualify for the 401k. Spouse #2 recently changed jobs, the new one has no 401k. Looking to invest in the $20k per year range, family income is somewhere around $80k. Neith...
by Padlin
Fri Jul 03, 2015 8:57 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 902

Re: Rollover 401K to TIRA

Thanks Avi, hadn't thought of the asset protection angle. Along with some of the more important exemptions: 2 cows, 12 sheep, 2 swine and 4 tons of hay; 1 pew occupied by the debtor or the debtor’s family in a house of public worship; 1 sewing machine in actual use by each debtor or by his family, n...
by Padlin
Fri Jul 03, 2015 5:31 am
Forum: Investing - Theory, News & General
Topic: Rollover 401K to TIRA
Replies: 6
Views: 902

Rollover 401K to TIRA

The fund choices I have in my 401k have slowly deteriorated over the years, I'm no longer able to come up with a good diversified low cost portfolio. I retired 2 years ago and will shortly hit 59 1/2 yo. I'm thinking about transferring all but my stable value "GIC" fund to an IRA and doing a simple ...
by Padlin
Wed Feb 18, 2015 7:22 am
Forum: Personal Finance (Not Investing)
Topic: Should I Quit My Job
Replies: 46
Views: 9338

Re: Should I Quit My Job

To me it would be more a physiological question as opposed to a physical one. Chances are that you'll be the oldest one in your flight at basic training, with all the 18-20 year olds. Mostly the same when you go through training as you'll be in the barracks/dorms. Once you go off to your first duty ...
by Padlin
Wed Feb 18, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 16
Views: 4938

Re: Is PagePlus Cellular Being Shut Down?

I hear that they outsourced customer service and as such things have slowed down a lot but nothing about shutting down. I use Kitty Wireless as a middleman between PagePlus and myself, they just launched their own service bypassing PagePlus, Puppy Wireless. I'm giving this one a try, the swap went f...
by Padlin
Wed Feb 18, 2015 6:43 am
Forum: Personal Consumer Issues
Topic: Not clearing snow from driveway
Replies: 81
Views: 11529

Re: Not clearing snow from driveway

Yes you should clear your driveway. 1 - Ice Hazard - Someone probably your spouse will slip and fall. If you are unlucky it will be someone else like the mailman, ups, etc. 2 - re-Freeze Hazard - the freeze thaw cycle will exasperate any cracks in your driveway - turning a small fissure into a new ...
by Padlin
Sun Feb 15, 2015 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Did you overestimate your retirement spending?
Replies: 17
Views: 2889

Re: Did you overestimate your retirement spending?

Only 2 years into retirement and I figured it pretty well so far. Ask again in 10-15 years.
by Padlin
Wed Feb 11, 2015 6:34 am
Forum: Personal Consumer Issues
Topic: Using online tax software
Replies: 14
Views: 1334

Using online tax software

How do you folks feel about using online tax software that they store on their server? I'm a bit leery of it.
by Padlin
Thu Feb 05, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: GIC's
Replies: 2
Views: 368

Re: GIC's

I use our GIC fund for 1/3 of my fixed allocation, along with Inflation Protected Securities VIPSX, and Intermediate Term Bond VBILX. It's what I use as a pseudo money market to store my "safe" money. It is of course not completely safe, but enough so for my needs.
by Padlin
Sun Feb 01, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on financing RV
Replies: 7
Views: 1353

Re: Need advice on financing RV

If you do finance it, look into it well before you retire, I found the bank would not give me a Home Equity Loan as I had no income. That I owed nothing to anybody and had plenty in investments didn't matter.
by Padlin
Tue Jan 27, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: Less than a Million Club Poll, your real number?
Replies: 15
Views: 3854

Re: Less than a Million Club Poll, your real number?

I thought the "Less Then A Million Club" was for those who retire with less. You want us to add in home equity and give value to SS and still be under 1M? I was playing with I-Orp earlier today, it tells me with the house I have 1.2M, add in SS and I'll end up bringing in and spending over 3M, I'm 5...
by Padlin
Mon Jan 26, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: 400ft Driveway - How do I plow the snow?
Replies: 67
Views: 26132

Re: 400ft Driveway - How do I plow the snow?

Most folks around me with bigger properties use either a plowing service or a small bucket loader of one sort or another. They buy the loader/tractor for year round use, they resell quite easily so you recoup most of the initial outlay. I gave up on the plow service when they slammed into my chimney...