Search found 58 matches

by drdrgolf
Mon Oct 26, 2020 7:39 am
Forum: Personal Consumer Issues
Topic: Golf clubs
Replies: 25
Views: 1718

Re: Golf clubs

Go slow. A novice should get a decent/inexpensive set of clubs to begin. Do not rely on an indoor fitting. At our course the Pro wheels his fitting cart to the range and begins the fitting. The flight of the ball, among other things, is extremely important. Once the correct clubs are found then try ...
by drdrgolf
Sat Oct 17, 2020 10:27 am
Forum: Personal Investments
Topic: All in on VTSAX
Replies: 136
Views: 13213

Re: All in on VTSAX

I guess I am getting too old to post here. As I read through this topic I am amazed how SNARKY some people can be. In old fashion verbiage, I would say Peter let is NYC personality overpower his thoughts. I remember when posters were taken as peers on this site without spelling corrections or sugges...
by drdrgolf
Fri Oct 09, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Software developer about to seek new opportunities -- discuss salary up front?
Replies: 223
Views: 14231

Re: Software developer about to seek new opportunities -- discuss salary up front?

First, good luck. Next I am writing as an 82 y.o. retiree who has interviewed numerous applicants, in my day, and can offer only mho,. W ho mentions salary first....loses!! Like a hockey goalie facing a breakaway coming at you, who moves first loses. Alway a rejuvenating step when you begin a new jo...
by drdrgolf
Sat Sep 26, 2020 10:34 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5500

Re: What can I expect from new golf clubs

Much like putting lipstick on a pig. Same pig looking better. Your game is your game excep-t with dedication to improving.
Dominic
by drdrgolf
Mon May 25, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Del Webb 55+ communities?
Replies: 27
Views: 4565

Re: Del Webb 55+ communities?

We owned in Sun City Hilton Head and it was wonderful. If you are an active adult it is a unique lifestyle. You will never be at a loss of things to do. And, since all residents are away from 'home' most are eager to make and cultivate friendships. As a golfer I played so offer I would actually danc...
by drdrgolf
Mon May 11, 2020 6:53 am
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5953

Re: At what moment does retirement begin?

Officially, my retirement date was 11:59PM 12/31/96. The next click of the clock my company became Bell Atlantic. Of coure within a couple of years it has become Verizon. However, my retirement began exactly in 9/96 at a company meeting which announced a new plan to downsize by offering 6 years and ...
by drdrgolf
Wed Apr 29, 2020 7:19 am
Forum: Personal Investments
Topic: Leaving Edward Jones is there a better or worse time
Replies: 35
Views: 2159

Re: Leaving Edward Jones is there a better or worse time

When is the best time to plant a tree??
Answer: 20 years ago.
2nd best time to plant a tree?
Answer: Today.
Do it ASAP.
Keep the plow down.
Salute!
Dominic
by drdrgolf
Tue Apr 28, 2020 6:13 am
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 3282

Re: What is a Boglehead? Some Fun.

A BH remembers, always, Nobody Knows Nothing!!

Salute !
Dominic
by drdrgolf
Wed Apr 15, 2020 6:52 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 361
Views: 29822

Re: Report when you receive your stimulus check here

Got ours yesterday.
Had a bottle of good wine for breakfast today. Three buck Chuck never better.

Salute!
Dominic
by drdrgolf
Fri Apr 10, 2020 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: May 13th Chesapeake Bay Cruise
Replies: 21
Views: 1777

Re: May 13th Chesapeake Bay Cruise

I am so happy with BH members. Today I received an email from the cruise line and they will issue me a REFUND !!!!! I followed most advice the final arrow calling BOA the credit card company and disputing the charges. But, all is good now. I will drink a toast to all BH for the assistance provided m...
by drdrgolf
Fri Apr 10, 2020 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: May 13th Chesapeake Bay Cruise
Replies: 21
Views: 1777

Re: May 13th Chesapeake Bay Cruise

thank you again. great info.
Dominic
by drdrgolf
Fri Apr 10, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: May 13th Chesapeake Bay Cruise
Replies: 21
Views: 1777

Re: May 13th Chesapeake Bay Cruise

Update. The cruise line called and officially cancelled the cruise. I was offered a voucher for later in the year. I said, I want a refund.(IWAR) They modified the offer to this year or next year. IWAR I reiterated. The Rep said she couldn't offer that so I said tell the President of Blount call me....
by drdrgolf
Wed Apr 08, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: May 13th Chesapeake Bay Cruise
Replies: 21
Views: 1777

Re: May 13th Chesapeake Bay Cruise

Well, I certainly am happy with your responses. Mr Rumples gets an honorable mention but thank you all. I will report the outcome at a further date.
Salute(ital.)
Dominic
by drdrgolf
Mon Apr 06, 2020 7:35 am
Forum: Personal Finance (Not Investing)
Topic: May 13th Chesapeake Bay Cruise
Replies: 21
Views: 1777

May 13th Chesapeake Bay Cruise

Looking for BH opinions, please. We booked a Cruise around December 2019 which is scheduled to leave from Philadelphia on May 13th. The cruise is with Blount adventure cruises and is to be a 10 day excursion. We were lucky enough to buy insurance thru a third party vendor but we are waiting for the ...
by drdrgolf
Sat Mar 28, 2020 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Stimulus check from pandemic 2020
Replies: 37
Views: 3310

Re: Stimulus check from pandemic 2020

Warning, the following is posted by a well intentioned guy.
The RMD has been waived for 2020 due to the pandemic. It seems that RMD based on 1/1/20 value of tax advantaged accounts would be too harsh considering the precipitous fall in value.
Dominic
Salute!
by drdrgolf
Thu Mar 19, 2020 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Intended Cruise
Replies: 15
Views: 1139

Intended Cruise

Looking for suggestions/ideas on this topic. We booked a cruise with Blount cruises departing on May13th from Philadelphia. I also bought trip insurance for this vacation. As to this date we have not heard from the Cruise Line concerning the booking. We are thinking as older folks we probably won't ...
by drdrgolf
Mon Mar 16, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Inkjet Printers: Refilled and Third Party Cartridges
Replies: 22
Views: 947

Re: Inkjet Printers: Refilled and Third Party Cartridges

Who knew? I must be the luckiest printer person in the world. I bought a Brother J870 unit about 6 years ago. It is the best printer I have owned and has made me a convert from HP and Canon. I buy my ink cartridges at Amazon from a company called HITZE. I get 6 cartridges for under $15. and although...
by drdrgolf
Tue Feb 11, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: Turbo Tax Basic Problem
Replies: 5
Views: 707

Re: Turbotax

This is a duplicate of an earlier post in another thread. So, here is the Readers' Digest post. After 2 hours with Support and a free update to TT Deluxe, my program still didn't run. I was to get an Escalated Support call the next day and here almost 20-25 days later still no call. My old laptop ru...
by drdrgolf
Fri Jan 24, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Turbo Tax Basic Problem
Replies: 5
Views: 707

Turbo Tax Basic Problem

Looking for an answer..... Bought TT Basic from Amazon and installed it on my Desktop. It ran fine and I entered all preliminary info and Wage info and all was well. So far. Now I go to Deductions and it asks if I want to be walked through or enter info on my own. As I choose either, the screen goes...
by drdrgolf
Fri Jan 03, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: Latest updates driving from New Hampshire to Clearwater
Replies: 39
Views: 3342

Re: Latest updates driving from New Hampshire to Clearwater

Since 1996, DW and I drive from NH to St. A. We leave at 5 am and have no problem with Hartford traffic and we head for the Tappan Zee. We stay on Rt. 95 and have found it is the fastest way to Point B. Traffic, yes. Accidents, yes, but not bad for all those years. We are tenacious and drive thru to...
by drdrgolf
Fri Nov 22, 2019 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Selling Car to a Dealer
Replies: 27
Views: 3131

Re: Selling Car to a Dealer

Just this week I bought another car. A 2017 CPO Lincoln. I had gone shopping without my trade-in to stop any sales pressure. I bought the car and went home to get my trade-in for their appraisal. On the internet, I entered my trade-in data at CarMax and they said they would buy the car for 10,500. A...
by drdrgolf
Tue Nov 19, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Need some Xmas Suggestions
Replies: 23
Views: 2604

Need some Xmas Suggestions

I have a mini problem and it concerns my 2 grand-daughters aged 14 and 16. These girls are such a pleasure to be with as they are articulate, well educated and loving. However, they have everything. My son has a high paying job and the girls are attending a very exclusive school and while living at ...
by drdrgolf
Fri Oct 18, 2019 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D advise
Replies: 33
Views: 3347

Re: Medicare Part D advise

Humana had changed my plan to their premium plan and doubled the cost for 2020. Yesterday I spent the day inputting my formularies into the Medicare program and it turns out the Walmart/Humana plan was fine. However, DW was not comfortable with the low cost offering so we signed up for the Humana Ba...
by drdrgolf
Sun Oct 06, 2019 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Humana Part D - ILLINOIS - premiums up up up
Replies: 94
Views: 10111

Re: Humana Part D - ILLINOIS - premiums up up up

In NH my Walmart-Humana Rx plan is going from 28.20 in 2019 to 58.10 in 2020. I will look into their Walmart-Humana Value Rx plan for 2020.
Hope we keep this topic going until after Oct. 15th when new rates are published for all Part D plans.
Stay well, folks.
Dominic
by drdrgolf
Fri Jun 14, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Del webb in Florida
Replies: 20
Views: 2944

Re: Del webb in Florida

Having lived/owned in a DW community I can say only nice things about Sun City, Hilton Head, SC. Although not as balmy, weather-wise, it is pretty nice year round. SC has a lot going for it and tax wise it is far superior to the Northeast. I believe Del Webb is now a being built/maintained by Pulte ...
by drdrgolf
Thu Jun 13, 2019 7:50 am
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 1091

Re: Best women's starter golf clubs?

Where to begin.... Get a set of used clubs with assistance from your boss, friend or sales rep. Enroll in a 3 or 5 day golf school/class. There you will learn etiquette, basic rules and skills. Upon completion you should go to a very high bridge and throw the clubs over the side. Find a new job and ...
by drdrgolf
Sat Apr 27, 2019 6:53 am
Forum: Personal Investments
Topic: Money Missing from my Vanguard account?
Replies: 46
Views: 9279

Re: Money Missing from my Vanguard account?

I am suspicious. The OP writes fine and I presume is honest. Why the question? Could it be a person who is VERY angry at VG and looking to exact revenge??
I guess at 80+ y.o. I've become a bit more cynical.
drgolf
by drdrgolf
Mon Feb 04, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: Should reliability rankings eliminate Jeep Grand Cherokee?
Replies: 117
Views: 25489

Re: Should reliability rankings eliminate Jeep Grand Cherokee?

Much valuable info in previous posts, but the authors must be bachelors.
With regard to cars; Rule #1 in life; Happy wife=Happy Life.
Smile, say yes dear and move on.

Dominic (55 years of happy life)
by drdrgolf
Thu Jan 31, 2019 9:12 am
Forum: Personal Investments
Topic: Got suckered into universal life insurance
Replies: 27
Views: 2944

Re: Got suckered into universal life insurance

Did the same thing many years ago. I suggest, as I did, cut your loss now. Think of the 7K as the cost of a PG finance course. Probably cheap by today's standard. I go back to $50/semester. Good luck

Dom
by drdrgolf
Tue Jan 15, 2019 8:36 am
Forum: Personal Consumer Issues
Topic: Winter boot recommendation
Replies: 34
Views: 3819

Re: Winter boot recommendation

LL Bean end of boot discussion IMO. I bought a pair of low-cuts that I will wear on the golf course on those cart-path-only days. Foot Joys and Dri Joys are great but on my course only the best will do. LLBean. And, they are almost fashionable these days.

Dom
by drdrgolf
Sun Oct 21, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: HELOC AS Emergency Fund
Replies: 10
Views: 1016

HELOC AS Emergency Fund

Pondering a Heloc. I have no intention of using the funds but rather have a safety net for emergencies.
I have a mortgage on my home and no other debt. DW and I have no plans to move.
Ideas both Pro and Con, please.

Dominic
by drdrgolf
Sat Sep 29, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Moneytalk with Bob Brinker coming to an end
Replies: 70
Views: 15121

Re: Moneytalk with Bob Brinker coming to an end

Remembering his first show. The Boston Patriots got blown out by the Bears on Super Bowl Sunday. I have been a avid listener, subscriber and bored listener during his tenure. Although I never considered myself a Market-timer, I feel he had an impact on my reaching critical mass. He certainly could b...
by drdrgolf
Tue Sep 18, 2018 6:28 am
Forum: Personal Investments
Topic: Which fixed income fund to rebalance into stock fund in a correction?
Replies: 5
Views: 736

Re: Which fixed income fund to rebalance into stock fund in a correction?

I keep this years RMD in a MM account to use at year end. This way I do not need to sell funds during a correction. I believe that as a senior-senior I need to anticipate an unfriendly market while keeping my 3 fund portfolio in tact. I do not consider this to be market timing but rather defensive p...
by drdrgolf
Sat Jul 28, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: How to make opened bottles of wine last longer
Replies: 38
Views: 3439

Re: How to make opened bottles of wine last longer

Dominic, did you pump the wines? As a bartender many years ago, the owner asked all of us if we pumped the wine as when were leaving for the night. I drink 3 buck Chuck with dinner today and if we have leftover, I always, pump the wine. White in refrigerator and red back into the wine rack. I can st...
by drdrgolf
Sun Jul 22, 2018 5:57 am
Forum: Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 128
Views: 11170

Re: How do you handle the urge to DO something?

Play golf, often!!
Amazing how much time it consumes and if you are competitive it takes up a lot of time, and perhaps some do-re-mi. :moneybag
Hopelessly engaged but leaving my portfolio unchanged.

Dom
by drdrgolf
Sun Jun 24, 2018 7:53 am
Forum: Personal Investments
Topic: To sell or not sell individual stocks
Replies: 6
Views: 861

To sell or not sell individual stocks

Hello and thanks for any insight you may offer. We are seniors with me at 79+. We have transitioned from individual stocks to three fund portfolios. Except, in a non-tax advantage account we hold 3 stocks. Fortunately they have huge capital gains and that is our question. We have no use at this time...
by drdrgolf
Sat Jun 09, 2018 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Planning Silver Sea cruise
Replies: 2
Views: 524

Planning Silver Sea cruise

Hope someone can shed some light on SilverSeas Cruising. Planning an 8 day foliage trip in October and will book in a couple days if you have any info. Also, as a fairly healthy 79+ year old and 75 y.o. couple, we probably will buy Trip Cancellation Insurance.
Thanks in advance.

Dominic
by drdrgolf
Thu May 31, 2018 9:53 am
Forum: Investing - Theory, News & General
Topic: To be or not to be complex, that is the question
Replies: 146
Views: 16282

Re: To be or not to be complex, that is the question

Thank you Rick for the many aha moments you have contributed for me. As I near my 80th birthday, I have come full circle investment wise. I began as a 2 fund portfolio person the morphed into a slice and dice mutual fund mentality. From there to a stock picker only which morphed into DGI ( dividend ...
by drdrgolf
Mon May 28, 2018 11:01 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 19425

Re: The front page is ugly

If it ain't broke.......
Beauty is in the eye of the .........
Thank you to all who make this such a wonderful landing place.

Dominic
by drdrgolf
Sat May 26, 2018 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 27
Views: 4234

Re: Life Changes

Sounds exciting. Be cautious and believe no one. Last lot I purchased was built on contingencies. Foremost, contingent on getting a building permit ! In Mass., that mean a successful percolation test and within zoning laws. Lastly, go to the Utility company and get a written estimate for the power l...
by drdrgolf
Tue May 22, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 12046

Re: Is there a boglehead muscle car?

As a 79+ year older, I enjoy watching muscle cars only. My sore back prevents me from another Corvette so I can only remember the good old days. A couple of years ago I tried to buy a new Corvette, however, DW refused to serve my meals in the garage where I would be confined to if I bought the car. ...
by drdrgolf
Sat May 05, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Best brick & mortar bank?
Replies: 14
Views: 2347

Re: Best brick & mortar bank?

In keeping with the credit union suggestions, try Service Credit Union (SCU). The began as a US military credit union and morphed into today's institution and by far offer some of the best rates I have found.
Dominic
by drdrgolf
Tue Apr 17, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Wire Transfer to Vanguard
Replies: 6
Views: 2011

Re: Wire Transfer to Vanguard

Ditto the above. Uneventful.
by drdrgolf
Mon Mar 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: Should we buy my wife a new car?
Replies: 53
Views: 4670

Re: Should we buy my wife a new car?

As I approach my 56th year of marriage to the same person, I have never forgotten that a happy wife is required for a happy life. As I lace up my golf shoes 5-6 mornings a week I smile and pat myself on the back for never having forgotten.
Remember
Happy Wife= Happy Life

Dominic :sharebeer
by drdrgolf
Tue Feb 27, 2018 8:12 am
Forum: US Chapters
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 9032

Re: Nisiprius at 35,000 posts

Nisi, I raise my glass of two-buck Chuck to you. BTW inflationary pressures have also hit Mr. Krug and $2. is now $3. wine but your worth it. Thanks for being you.
Dominic
by drdrgolf
Fri Feb 16, 2018 9:20 am
Forum: Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 186
Views: 37580

Re: Torn between Vanguard, Fidelity and Schwab

I can not believe the 'stuff'' I have read on this topic. I am an ex-Fidelity, ex-Schwab user and I have been at Vanguard for the last 20+ years. Each has its attributes but V is all-around most client friendly. And, while not a 7 figure account holder, I pay $2.00 for each stock purchase only. Thei...
by drdrgolf
Thu Feb 08, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 108
Views: 11094

Re: Who has had a pool?

Fabulous !! First pool a lined in-ground pool when the kids were in school and we thoroughly enjoyed all aspects of owning the pool. Living in MA the season was sort of short but it coincided with my summer vacation as a teacher. Second pool, also in MA was a gunite in-ground and it was even better....
by drdrgolf
Tue Jan 30, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Certified Used BMW, Audi or Mercedes
Replies: 101
Views: 13141

Re: Certified Used BMW, Audi or Mercedes

Bought a CPO MB in December '15. I traded my 2011 Lexus RX350 and couldn't be happier. The MB was a Coke executives program car and had 3800 miles on it. The new car came with a warranty through 2018 and the new car is a technologically brilliant auto. It is far superior to my Lexus, imo, and will b...
by drdrgolf
Wed Jan 17, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1498
Views: 176317

Re: What frugal thing did you do today?

My record for being frugal was extended yesterday. It made 9 years in a row without entering a gym !! At age 70, I stopped Gold Gym membership and haven't looked back. Now it is one day at a time and I play golf 5 days a week with the boys and we even stopped our not so friendly wagering. I guess be...