Search found 241 matches

by TresBelle65
Sat Jun 13, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18545

Re: So what are you cooking

Stir fried beef with snow peas in oyster sauce

raw beet and lettuce salad with ginger dressing


discovered I have about 10 cans of sardines in the back of the pantry. I really wish I could think of ways to use sardines other than on a platter with crackers.

Anyone? sardines?
by TresBelle65
Sat Jun 13, 2020 6:26 am
Forum: Personal Consumer Issues
Topic: iPhone Trade Ins
Replies: 4
Views: 311

iPhone Trade Ins

I can't seem to find the answer to this. I want to trade in a phone I purchased used at Best Buy.

I don't see prohibitions regarding trade ins if I am not the original purchaser? (the phone is in good shape anyway, but...)
by TresBelle65
Fri Jun 12, 2020 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Will & Estate Documents - Reciprocity between States?
Replies: 7
Views: 811

Will & Estate Documents - Reciprocity between States?

I would like to draw up my estate documents, but there is a possibility I will be moving to another state next year.

I'd rather not wait to have the paperwork completed. Would I need to have entirely new documents drawn up if I move?

I am not sure how this works?

Thank you.
by TresBelle65
Fri Jun 12, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 728
Views: 38866

Re: What are you listening to now

The Black Pumas

oh my, oh my


he's taking me back to more soulful days.
by TresBelle65
Fri Jun 12, 2020 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Money Transfers - Brokerages vs. Banks?
Replies: 0
Views: 149

Money Transfers - Brokerages vs. Banks?

My unscientific observation shows that it's easier to transfer money in and out of brokerages to banks - vs. - banks to banks - in terms of allowed frequency and maximum dollar limits. Am I imagining this or are banks generally less generous with transfers ? (again, amounts and frequency of transfer...
by TresBelle65
Thu Jun 11, 2020 6:55 am
Forum: Personal Consumer Issues
Topic: Do-it-yourself dental calculus remover
Replies: 12
Views: 1825

Re: Do-it-yourself dental calculus remover

I've read there are actually certain minerals or herbs or something that you can swish or chew that helps loosen the deposits, making them easier to remove with a toothbrush. Guess that would be a googling event. (I saw the studies some time ago) Of course the goal is to do this without any underlyi...
by TresBelle65
Thu Jun 11, 2020 6:51 am
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

How did you determine your expenses in retirement? Do you live in a very high cost of living area? Unscientifically. I've spent the past 30 years living in one of the highest cost of living cities in the US, shaving at least 50% of my income for income taxes and retirement savings right off the top...
by TresBelle65
Wed Jun 10, 2020 8:20 pm
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

i figure your draw % is about 2.25% at 2, 3, 4% inflation you'll need 4.35%, 5.37% 6.39% return So to restate - with a 2.25% annual withdrawal rate, based on various inflationary rates, I need those return percentages in order to never run out of money? I have no desire or need to leave behind a mo...
by TresBelle65
Wed Jun 10, 2020 8:03 pm
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

What kind of return are you getting on your cash? Money markets yield very little - maybe .31% I think. Under 1% I think, right now. Perhaps you could do better buying CDs. I've been looking at setting up buckets/pots/ladders for managing retirement income. I really like Vanguard Short term Corpora...
by TresBelle65
Wed Jun 10, 2020 12:12 pm
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

I missed this thread when it was fresh but it underscores the paradox when thinking of a specific retirement "number" that you could have safely retired in January and gone through the exact same market crash in March, whereas retiring in March would be "unsafe" because you are now below your numbe...
by TresBelle65
Wed Jun 10, 2020 7:46 am
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

The social security amount @62 of $24,000 is that based on your record or is it divorced spouse benefits? Who would have the greater social security benefit - you or your ex? Hi there, I'd like to address this, but have no idea how I would find out the social security benefit information of an ex s...
by TresBelle65
Mon Jun 01, 2020 6:55 am
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1834

Re: Rescheduling a 2020 Retirement Date?

4-5 years of living expenses are in cash.
by TresBelle65
Sun May 31, 2020 2:01 pm
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1834

Re: Rescheduling a 2020 Retirement Date?

I appreciate the frankness, truly I do. I suppose that working a little longer provides a bit of security in case a second wave of the virus occurs and the markets crash again and crash even further - I suppose to articulate it more clearly - the fear is retiring and THEN there is another huge econo...
by TresBelle65
Sun May 31, 2020 1:17 pm
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1834

Re: Rescheduling a 2020 Retirement Date?

Yes, I've considered two more years and done that math...I just don't think mentally I can hang on much longer. I don't like the organization I work for - at all - and it doesn't seem worthwhile to seek out federal employment elsewhere, just to turn around and leave them in a relatively short amount...
by TresBelle65
Sun May 31, 2020 12:26 pm
Forum: Personal Investments
Topic: Rescheduling a 2020 Retirement Date?
Replies: 17
Views: 1834

Rescheduling a 2020 Retirement Date?

I'm in good health, federal employee nearing 60 yrs of age. My original retirement date was 3/31/2020. As I was sliding into home plate, the world came unhinged, the markets tanked and the world came to a virtual stand still (as you all know)....doom and gloom everywhere, predictions of untold futur...
by TresBelle65
Fri May 29, 2020 7:18 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 173
Views: 12515

Re: Face mask recommendations

I've been using copper infused masks - extra protection
by TresBelle65
Fri May 29, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: New iPhone SE?? has anyone bought and used one?
Replies: 30
Views: 2470

New iPhone SE?? has anyone bought and used one?

Has anyone bought one of these? Do you like it? any glitches to be aware of?

Any deals to be had?

Seeking any reviews, if possible.

Thank you!!
by TresBelle65
Thu May 28, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: 55+ communities - with or without golf course?
Replies: 13
Views: 1374

55+ communities - with or without golf course?

I am looking into active retirement communities with lots of sports offerings, etc. ... but I do not play golf, so being in a golf community offers me nothing - does anyone know whether having a golf course significantly impacts HOA fees? In other words, do retirement communities without golf course...
by TresBelle65
Sat May 23, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Warning: Virginia State Inspection
Replies: 38
Views: 3838

Re: Warning: Virginia State Inspection

State inspection violations are currently not being enforced in VA. Just let it ride.

Could you explain? are you saying that expiration dates are not being enforced?
by TresBelle65
Fri May 22, 2020 7:49 pm
Forum: Personal Consumer Issues
Topic: Thin, long lasting athletic socks?
Replies: 16
Views: 1232

Thin, long lasting athletic socks?

Can you recommend a good quality athletic sock for activities such as tennis, long walks, etc. wearing tennis shoes? I am leaning toward thinner socks versus thicker ones. Thanks
by TresBelle65
Fri May 22, 2020 7:47 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18545

Re: So what are you cooking

sauteed escarole and beet greens

rice with pigeon peas

Eastern European sausage

Chia Fresca
by TresBelle65
Fri May 22, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4428

Del Webb 55+ communities?

Do any of you live in a DW community or have thoughts about them vs. other similar active retirement communities?

Looking for thoughts/opinions, etc.

Florida based would be my first choice. Thanks
by TresBelle65
Sun May 17, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: "Fancy" drip/pour-over coffee makers
Replies: 54
Views: 3269

Re: "Fancy" drip/pour-over coffee makers

I've tried all manner of these devices, expensive or not and have finally settled on my $10 Phin filter - cheap, easy and makes delicious coffee....so simple.
by TresBelle65
Sat May 09, 2020 12:17 pm
Forum: Personal Consumer Issues
Topic: Various retirement locations in FLA?
Replies: 8
Views: 1078

Re: Various retirement locations in FLA?

A city, a tiny town, inland, along the coast. Over the course of my life, I have lived in all these types of locations. I don't know right now what I am looking for *exactly*, but the decision will come after various discussions, research and observation. That's how many big decisions happen. Gotta...
by TresBelle65
Sat May 09, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Various retirement locations in FLA?
Replies: 8
Views: 1078

Various retirement locations in FLA?

As soon as conditions warrant, I am planning an extended stay in Florida to scout out retirement locations, traveling from area to area. I will visit both retirement communities as well as communities without age restrictions. I have narrowed my list to the following locations and I'm seeking any co...
by TresBelle65
Fri Apr 24, 2020 3:21 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1346

Pandemic leading to cost savings?

For a decade or longer, I have gone for regular pedicures. They don't break the bank, but I surely enjoy them. Can't do that now for obvious reasons. My nails were getting longer, heels rougher. I recently purchased a long handled file, toeless socks with a heel cup and keratolytic creams. Once we r...
by TresBelle65
Fri Apr 24, 2020 3:15 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 448
Views: 57425

Re: What lifestyle creep made you happier?

The ability to pay more for quality.

Better quality has led to fewer hassles, less time wasted, less stress, more overall enjoyment of life.

easy
by TresBelle65
Fri Apr 24, 2020 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9811

Re: Best Covid19 resistant job

I am not sure if the aim here is work resistant to income interruption or work resistant to being exposed to communicable disease. Nevertheless, I am a federal employee now allowed to telework 100% of the time. I have decamped to a comfortable cottage in a wooded rural setting, low density human pop...
by TresBelle65
Thu Apr 23, 2020 9:06 pm
Forum: Personal Consumer Issues
Topic: Retirement Relocation to Delaware Shore Area?
Replies: 5
Views: 756

Retirement Relocation to Delaware Shore Area?

Seeking advice from anyone who has retired to the Delaware Shore?

Not necessarily right on the beach, but in the general area?

Do you enjoy the area? Pros? Cons? Thanks!
by TresBelle65
Mon Apr 13, 2020 6:08 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18545

Re: So what are you cooking

Stuffed shells with marinara sauce

Tossed green salad with poppyseed dressing

Pinot Noir

cannoli
by TresBelle65
Mon Apr 13, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Impacts of an Inflationary Environment?
Replies: 30
Views: 1671

Impacts of an Inflationary Environment?

Are there any winners in an inflationary environment?

My question is real. I wasn't yet a working adult the last time we were in such a situation.

How to prepare for such an environment? thank you in advance for any comments.
by TresBelle65
Sun Mar 29, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Consumer Protection Laws?
Replies: 7
Views: 437

Consumer Protection Laws?

I just heard several people repeat that website StubHub is not refunding tickets purchased for future shows that have been cancelled due to distancing and all that. On the other hand, many hotels ARE refunding previously non refundable reservations. I realize it's in the terms and conditions, but I ...
by TresBelle65
Sun Mar 22, 2020 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Housing Market Response in this environment?
Replies: 57
Views: 7374

Housing Market Response in this environment?

During previous economic downturns, I was a homeowner and watched the market value of my home weave and bob before turning around. I am currently staying with friends and will soon be looking for a rental for the next couple years before finally seeking to purchase again. (I am close to retirement, ...
by TresBelle65
Sun Mar 01, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130401

Re: Coronavirus (Consumer Issues) How you are preparing?

Did someone mention bleach? Here are some bleach facts: https://www.scripps.edu/newsandviews/e_20060213/bleach.html Personally, I've started looking into ordering one of those devices that whips up hypochlorous acid (also somewhat unstable like bleach) - the disinfectant no one talks about...but is ...
by TresBelle65
Sun Mar 01, 2020 5:33 pm
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

My equities are broad indices - Vanguard Total Market, Total International Market, REIT index, TSP S Fund (small and mid cap fund blend)

I do not own a home, I rent, so yes there is that too.

Thanks all.
by TresBelle65
Sun Mar 01, 2020 10:39 am
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Re: Lock in Retirement or Toss a Coin?

Obviously, I am a nervous investor, aggressive saver (have never been a high income earner)....and this is driven by factors outside of pure math.

Thanks for the comments.
by TresBelle65
Sat Feb 29, 2020 6:58 pm
Forum: Personal Investments
Topic: Lock in Retirement or Toss a Coin?
Replies: 22
Views: 3005

Lock in Retirement or Toss a Coin?

I am 59.5 and divorced - and I have been planning to retire on May 31, 2020. Retiring with just under $2M portfolio, a $12K/year pension, healthcare and Soc Sec earliest 62 @ $24K year. Approximate expenses in retirement: $75K-80K/year (have no mortgage or debt, so some flexibility there) I posted t...
by TresBelle65
Sat Feb 29, 2020 4:41 pm
Forum: Investing - Theory, News & General
Topic: If you have won the game, how much risk do you take?
Replies: 78
Views: 7070

Re: If you have won the game, how much risk do you take?

A lot depends on how rich you want to try to be when you die.

What if I want to bounce the last check on the day before I die?

How should I proceed now ?
by TresBelle65
Sat Feb 29, 2020 9:28 am
Forum: Personal Consumer Issues
Topic: Help with a consumer math question?
Replies: 11
Views: 690

Re: Help with a consumer math question?

What this has turned into, is a credit at a merchant. They did not issue a second gift certificate, only one - and it's virtual and held on account for me. So if I sent them $100 for buy one, get one 50% and they only give me one credit, and BOGO50 - - is actually a 25% discount, I am seeing that my...
by TresBelle65
Fri Feb 28, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Help with a consumer math question?
Replies: 11
Views: 690

Re: Help with a consumer math question?

[i]You pay a total of $112.50 and walk away with $150 in gift certificates>.[/i]

But what if I pay $75? - I walk away with $112.50, right?

What about $100? If it's a 25% discount, I get $125 (?)
by TresBelle65
Fri Feb 28, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: Help with a consumer math question?
Replies: 11
Views: 690

Help with a consumer math question?

A nearby business is offering a special on their gift certificates. The special is buy one, get one 50% off. There are no specific certificate denominations. I can buy one for $36 or $88 or $234 - etc. I believe this translates into a 25% discount on their services. For example, I give them $75. Sho...
by TresBelle65
Tue Feb 25, 2020 12:47 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus/Sector Impact
Replies: 17
Views: 1609

Coronavirus/Sector Impact

Which sectors would be expected to gain or lose from this event? So far, I have: Lose: Cruises Airlines Hotels Buses Tour Providers Event venues/Event organizers Tourist attractions such as Disneyworld and the like, Las Vegas, etc. Gain: Detergent/soap/antibacterial suppliers Makers of Latex gloves,...
by TresBelle65
Tue Feb 25, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: iPhone repair - when buying a used phone?
Replies: 6
Views: 473

Re: iPhone repair - when buying a used phone?

It would probably help if you gave us more information, such as the model and what problems the phone is having. iPhone 7 plus Not a network transmission problem (verified). I have no problem hearing the caller, but to them, my voice, my sound, is muffled - and it started recently and it's intermit...
by TresBelle65
Tue Feb 25, 2020 10:08 am
Forum: Personal Consumer Issues
Topic: iPhone repair - when buying a used phone?
Replies: 6
Views: 473

iPhone repair - when buying a used phone?

Approximately 60 days ago (12/18), I bought a used, unlocked phone via Best Buy. The phone is now having problems. I'm not able to find any warranty information for this phone. I have been on hold with Best Buy this morning, waiting for someone to pick up - it's not happening. Does anyone have any s...
by TresBelle65
Mon Feb 10, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10532

Re: Retirement: Filling the time?

JoeRetire, I read your list below....I am retiring soon and your list sounds wonderful to me. Can I ask if you live in a retirement community? In addition to that, I: - read a lot more than I ever could - spend a lot more time outdoors than I ever could before. I walk, ride a bike, and on nice days ...
by TresBelle65
Mon Feb 10, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 13
Views: 1145

Re: Handbags/Purses?

I am pretty much open to most price points (within reason) handbags are a category where I will pay for something that works for me.
by TresBelle65
Mon Feb 10, 2020 9:31 am
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 13
Views: 1145

Handbags/Purses?

Do you have any brands to suggest for fashionable and tasteful but also functional?

Available through the regular merchants - and perhaps some Etsy sellers as well?

Thanks!
by TresBelle65
Mon Feb 10, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 57122

Re: Whats your number to walk away?

Age 59, single, retiring next month.

$2M portfolio
$12K annual pension
cheap subsidized health care

MCOL area (but likely to move somewhere else in a year or two)

SS coming down the road

Put a fork in me.
by TresBelle65
Fri Feb 07, 2020 11:43 am
Forum: Personal Consumer Issues
Topic: Alternative Thanksgiving
Replies: 23
Views: 1501

Re: Alternative Thanksgiving

Sounds good to me. I don't (usually) allow the calendar to dictate my plans and feelings.