Search found 1740 matches

by Lynette
Tue Apr 17, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 198
Views: 17045

Re: Is Los Angeles a good place long term to live financially?

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. Is LA expensive? And would pursuing my goals be worth the cost of living there and are the costs worth the quality of life I would have there? Some of my goals are: 1. Get an MBA at a good busines...
by Lynette
Tue Apr 17, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7672

Re: Help me explain why pre-tax investing can help when retiring in same bracket

My situation is different to most in that I worked into my early seventies, have pensions and SS. It did not occur to me to do Roth conversions in my sixties as I already had a salary and was drawing one pension. Now in my mid seventies I am able to live on my pensions and SS (even after tax). 80% o...
by Lynette
Mon Apr 09, 2018 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Handling ageism in tech
Replies: 56
Views: 5026

Re: Handling ageism in tech

I managed to dodge the layoffs at my last company for whom I worked for nearly 25 years and retired at 73. I like learning new stuff but my skills that were valued were my knowledge of the mainframe. Also I was told that my job in security was critical to the company. Many of the core applications a...
by Lynette
Sat Apr 07, 2018 9:35 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4786

Re: Is it very hard to learn Spanish?

I think it's probably "hard" to learn any language to the point that I would call "knowing" the language. Claims for learning a language in six months or sixty days or whatever are hogwash. It's like diet books that claim you can lose ten pounds in a month while eating as much as you like of everyt...
by Lynette
Fri Apr 06, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4786

Re: Is it very hard to learn Spanish?

It depends on the level of proficiency that you want to achieve and whether you want to be able to use the formal, academic grammatically correct language. In my class at a community college, we had a young lady whose mother came from a Spanish speaking country. She could speak fluently but not gram...
by Lynette
Thu Apr 05, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Will Medicare filing date affect IRMAA amounts?
Replies: 7
Views: 520

Re: Will Medicare filing date affect IRMAA amounts?

What is IRMAA. Medicare ?? Tax on pensions! If you have income (Magi) above a certain amount, you have to pay higher premiums for Medicare B and D. I worked till my seventies so did not do Roth conversions. So I have pensions, SS and RMDs and I have to pay higher premiums. For me my total medical p...
by Lynette
Tue Apr 03, 2018 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 23029

Re: Retire at 55, what's the magic number

Do these calculations take into account taxes? I have pensions, SS and have to take RMDs. I can live on my SS and pensions but taxes on these and RMDs are a considerable additional expense.
by Lynette
Wed Mar 28, 2018 12:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: A lot of heavy hitters this morning
Replies: 244
Views: 21153

Re: A lot of heavy hitters this morning

I love the book : Enough: True Measures of Money, Business, and Life – by John C. Bogle. Fortunately I am retired and in the stage of life where enough is truly enough. I do not need more. In fact, having more would be a burden as I would likely have to think about how to manage it. I am very conten...
by Lynette
Mon Mar 26, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: How old were you when you started spending your “principal”?
Replies: 90
Views: 9057

Re: How old were you when you started spending your “principal”?

I love Sandtrapś comment and Sheepdoǵs reply about the dogś photo. I guess I have been retired about a year. I have no idea about my finanaces - do not follow where the market is currently unless I log onto Bogleheads. I am living off of my pensions and SS. I am much too busy with my Spanish and pho...
by Lynette
Sat Mar 17, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEADS CONFERENCE SOLD OUT
Replies: 113
Views: 26480

Re: 2018 BOGLEHEADS CONFERENCE SOLD OUT

Thanks to those who organize the conference. I have attended twice and decided to give others the opportunity to attend.
by Lynette
Sat Mar 17, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7610

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

Since I am FIRE I do a fair amount of driving for friends and family when they need help with medical and other appointments. I don't always know (and would not ask) the reason for every appointment. I have driven at least three people to and from colonoscopies at least four separate occasions. On ...
by Lynette
Tue Mar 13, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice re: Liberal Arts Colleges...
Replies: 235
Views: 13891

Re: Need advice re: Liberal Arts Colleges...

As an old lady, my perspective is that the jobs that are available today may not even exist in twenty years time. The requirement in most professions is that you have to be a lifelong learner. I did my degrees in another country and started off as a History and Latin major to teach. I decided I did ...
by Lynette
Tue Mar 13, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 40228

Re: [What UN-frugal thing do you do? What do you splurge on?]

I am taking a class in photography at a community college. I have been buying some rather cheap, junky umbrellas to try them out. I also bought a cheap speed light that has take me hours to assemble. I bought some new prime lenses and the order the new Nikon D7500 to replace my D7100.
by Lynette
Mon Mar 12, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7610

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Mon Mar 12, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 45047

Re: What frugal thing did you do today?

I bought a new desktop and to my irritation, Windows 10 on the new machine did not support the driver of my old laser printer. I no longer had the printer disk so I could not install the driver. I needed a printer for a Spanish assignment so I went and bought a new printer from Best Buy and installe...
by Lynette
Tue Mar 06, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7610

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Sun Mar 04, 2018 7:25 pm
Forum: Personal Consumer Issues
Topic: Rome-Florence-Venice-Prague summer vacation
Replies: 54
Views: 3529

Re: Rome-Florence-Venice-Prague summer vacation

I did not read all of the replies. My advice two weeks in Rome and maybe go to Pompeii. I've been to Italy four times as well as Venice and Prague. You will spend a lot of time travelling and not learn to understand one place in depth. I spent two weeks in Rome once. I stayed at an inexpensive place...
by Lynette
Sun Mar 04, 2018 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: [Minimizing costs of a medical procedure (Colonoscopy)]
Replies: 87
Views: 7610

Re: [Minimizing costs of a medical procedure (Colonoscopy)]

In our health plan/provider (Kaiser), they will not begin the procedure (administer sedation/anesthesia) unless the person driving/accompanying you home is physically present. That is also my experience with my hospital. When I check in, I'm asked who is with me. No person - no procedure. A doctor ...
by Lynette
Sun Mar 04, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Emergency Medevac - costs and options
Replies: 35
Views: 3547

Re: Emergency Medevac - costs and options

I think that Medigap F/G covers part of the expense of Medevac. Does anyone know if this is correct? Now that I am older, I always get Insurance when I travel overseas. My mother came to visit me from my country of origin and I think she was not able to get insurance after 75. This was insurance fro...
by Lynette
Thu Mar 01, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8863

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

Hi Sandtrap, I always enjoy your posts and the assistance you give to people. I thought your wife worked with photography. That is a good way to get earned income to potentially be able to contribute to an IRA etc. The cost is totally amazing to me. I was employed by a Megacorp until 73 and my prem...
by Lynette
Thu Mar 01, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 48204

Re: How to Minimize Your Emergency Care Expenses

Some hospitals will not start surgery until they personally meet the person who is going to take you home.
by Lynette
Tue Feb 27, 2018 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8863

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

I was employed by a Megacorp until 73 and my premiums were about $200 a month. Your employer was paying most of the premium. Without an employer to cover the bulk of the bill, it all falls on Sandtrap. The employer literature stated that they were paying half of the cost. I suppose that they had a ...
by Lynette
Tue Feb 27, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??
Replies: 115
Views: 8863

Re: Understanding 2017 ACA Insurance >> Alternative to ACA until age 65 >>Possible Solutions??

Hi Sandtrap, I always enjoy your posts and the assistance you give to people. I thought your wife worked with photography. That is a good way to get earned income to potentially be able to contribute to an IRA etc. The cost is totally amazing to me. I was employed by a Megacorp until 73 and my premi...
by Lynette
Mon Feb 26, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 17
Views: 1324

Re: Playa del Carmen Vacation -- Excursion and Restaurant tips

I will not go to Cancun and Playa del Carmen again. I think it is great for people who like snorkeling or want to stay at an all in one resort to have someone look after and entertain their children. I booked a long weekend there before I had done enough research. I had already made my bookings, so ...
by Lynette
Mon Feb 26, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: BH Review: Samsung Note 8 Unlocked
Replies: 5
Views: 537

Re: BH Review: Samsung Note 8

Fabulous phone. I bought one and may have considered the iPhone X but it was not available. I bought mine at nearly $1,000 at Best Buy and then took it to AT&T where they installed a screen protector and Otterbox case for me. The reason I bought it was because I am taking a class in Photography at a...
by Lynette
Mon Feb 26, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 66 yr old Woman Needs HELP!
Replies: 68
Views: 4112

Re: 66 yr old Woman Needs HELP!

Is it possible that you could get a part time job even if it is minimum wage? I do not know what your health is like but this would give you additional income and relieve some of the stress. I am in good health but I worked until I was 73. I have pensions that cover my needs as well as social securi...
by Lynette
Mon Feb 26, 2018 10:25 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 5668

Re: Nisiprius at 35,000 posts

Nisiprius is my favorite poster here. Always shocked me with the knowledge, clarity, and focus of his words! Agreed! As a way to celebrate, maybe we should all post post some of the posts that we’ve found most insightful? Thank you for your contributions. I have learnt a great deal from you. Please...
by Lynette
Fri Feb 23, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 53
Views: 3510

Re: How Do People Without Computer Access Prepare and File Their Taxes?

I got mine yesterday. I called some time in December and was told that there would be a delay. I was planning to do mine manually to learn how to do them before I gave them to my accountant! I got the 1040 as well as instructions on how to do them.
by Lynette
Thu Feb 22, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employment for Immigrant Wife
Replies: 27
Views: 2686

Re: Employment for Immigrant Wife

deleted
by Lynette
Tue Feb 20, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 6862

Re: Expat Living

For me a major issue is dealing with taxation, different laws of inheritance etc.etc. I was born overseas and though I have been in the US for nearly 40 years, I still have some financial interests such as a small pension there. What a pain. A sibling overseas and one in the US are my heirs. I will ...
by Lynette
Mon Feb 19, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12018

Re: Single People and Retirement Question

travellight wrote:
Mon Feb 19, 2018 5:59 am
thanks for your post, itiswhatitis.
Thanks for posting itiswhatitis.
by Lynette
Sun Feb 18, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12018

Re: Single People and Retirement Question

There is so much to do in life - just do it. My Health Club is unusually sociable and I go there every morning - free bagel and coffee. There is a group of older guys - likely in their eighties who come each morning - socialize and exercise. There are also a few guys in the yoga and Pilates class. S...
by Lynette
Sat Feb 17, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8822

Re: Effect of spending money on appearance in career

I did not work for GM but live in the area. This is a photo of Mary Barra, CEO of GM. This is how most of the women executives I know dress. Obviously she works in a technical industry. If she worked for an advertising organization, I am sure she would might dress differently. https://en.wikipedia.o...
by Lynette
Sat Feb 17, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 91
Views: 8822

Re: Effect of spending money on appearance in career

Unfortunately it does matter especially if you want to be promoted. I retired from IT and we had women exec's in senior management. They were always impeccably dressed. They dressed conservatively but sometimes the events were streamed live and the company's image was at stake. They all wore heels -...
by Lynette
Sun Feb 11, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Single People and Retirement Question
Replies: 107
Views: 12018

Re: Single People and Retirement Question

There are so many, many things to do. At the moment I'm auditing a classes in photography and Spanish at a community college. I'm not really good at photography. My recent assignment was to take a photography and superimpose something on it not to size. It's snowing and despite this I discovered a l...
by Lynette
Sat Feb 10, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 28
Views: 3089

Re: Retiring soon.....401K vs rollover to IRA?

There is probably no reason why you should be in a hurry to roll over a 401K if the funds are good and low cost. I had no intention of rolling mine over and I took my first RMD from my 401K. What persuaded me to roll it over was so that I could take QCDs and reduce my AGI (and more specifically MAGI...
by Lynette
Mon Feb 05, 2018 11:34 am
Forum: Investing - Theory, News & General
Topic: A Simple and Safe Retirement Income Strategy that beats many others
Replies: 14
Views: 3415

Re: A Simple and Safe Retirement Income Strategy that beats many others

I did not read the study but from my reading of this forum, many Bogleheads retire early and have substantial tax-deferred income. They use the years between early retirement and 70 to do Roth conversions to reduce tax once they start to take SS. By contrast, I worked till 70 (actually 73) and did n...
by Lynette
Mon Jan 22, 2018 8:28 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 19054

Re: The Power of Working Longer

Deleted
by Lynette
Mon Jan 22, 2018 6:35 pm
Forum: Personal Consumer Issues
Topic: Work-out schedule for those in 60s
Replies: 78
Views: 7054

Re: Work-out schedule for those in 60s

I answer this post from my threshold, which may or may not apply to u. I just turned 70 last month so the previous decade I was in my 60's. I am a severe osteoarthritic and weight training at this part of life is OUT, really OUT. I exercise walk two to three miles 4 times a week currently. A few ye...
by Lynette
Mon Jan 22, 2018 6:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 115
Views: 28947

Re: Vanguard opens special offices for $1 million clients

I'm not Flagship status but I see no need for personal contact. There are two Fidelity Offices that are each three miles from me. The office was convenient for me to deliver checks when I rolled over my 401K to an IRA. Other than that I have found the Fidelity and Vanguard telephone support more tha...
by Lynette
Sun Jan 21, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 6161

Re: Going to one income-seeking testimonials

That's good that she brought it up. But, not being a "homemaker" type .....she may change her mind. I recommend being flexible with this decision, allow time to see how it goes, and be willing to change things. My wife chose to work, so we both had to change our paths (we sought out government jobs...
by Lynette
Sat Jan 20, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 269
Views: 48204

Re: How to Minimize Your Emergency Care Expenses

Thank you so much WCI for taking the time to explain the system. I'm fortunate to be in excellent health for a senior and I think that if some is really ill, one should seek the appropriate care. But to give a different perspective, I grew up in a country where there was virtually no malpractice. I'...
by Lynette
Fri Jan 19, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for a lay off - what steps to take now
Replies: 37
Views: 4026

Re: Preparing for a lay off - what steps to take now

Networking is the best way to get a new job and you have been given good advice on this above. But for most of us who have lost our jobs, the psychological aspect is great. As one outplacement company with whom I worked explained, it as if one lost a loved one and the same stages of grief - denial, ...
by Lynette
Tue Jan 16, 2018 9:54 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5283

Re: Anyone pondering moving to a cheaper place and downsizing?

Thousands of people apparently enjoy it. I've heard that the ex-pat community in Southeast Asia is surprisingly large. I know what they are looking for there. :?: There are inexpensive options for...entertainment...of retired....men...even if some of those opportunities are not quite what they seem...
by Lynette
Tue Jan 16, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 63
Views: 5283

Re: Anyone pondering moving to a cheaper place and downsizing?

Rob in cal, Welcome to Bogleheads. What a interesting thought... This article has your name written all over it. Enjoy... http://www.mrfreeat33.com/can-you-retire-in-thailand-with-200000/ Great article. I''ve been seriously considering living abroad for some time. I'm single, no kids, and with my s...
by Lynette
Tue Jan 16, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: US escorted tours
Replies: 15
Views: 1223

Re: US escorted tours

I've been with Trafalgar on tours of the National Parks in the US. I've also been with them overseas and there were a lot of Australian visitors there as well as the US. I think that Trafalgar markets in Australia as well. I've also been with Roadscholar but there were only Americans. Trafalgar may ...
by Lynette
Mon Jan 15, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 1658

Re: Estimating health care expenses in retirement

As I have pensions, took SS at 70 and have most of my portfolio in tax deferred, I am subject to IRMAAs. As a single person, I am playing about $450 per month for medicare B and D premiums. Medigap G and Drug costs total about $200 per month. So for a single person I am paying nearly $8,000 p.a. - ...
by Lynette
Mon Jan 15, 2018 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Estimating health care expenses in retirement
Replies: 12
Views: 1658

Re: Estimating health care expenses in retirement

Also take in to account Medicare IRMAA especially if you have pension. Try to do Roth conversions before 70 when RMDs become mandatory. Also if you start to take SS at 70, this adds to your MAGI that is used to calculate Medicare premiums. I did not know about Medicare IRMAA as I assumed that Medica...
by Lynette
Sun Jan 14, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 7446

Re: Looking for a reasonably priced, safe international destination

You can travel inexpensively in England and most places in Europe if you are prepared to live slightly further out of the town. My first priority is a place close to a metro. Most European cities have excellent rail transportation.