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BTDT

Savings account. I'm one of the "bad" ones here that gets a refund on purpose. I use it as a forced way of savings for things such as new roof, bathroom remodel, amongst other things. I just don't trust myself to save that money for exactly those purposes. This way it comes all at once at...

BTDT

I'm not sure what I will do with the $11 refund from my five digit income tax charge ...... but as a good a Boglehead I will work on it :oops: Edit: my better half just advised me that shes buying $9 in Poweball tickets, and some smoked bologna for a total of $11, so there goes my tax refund :confused

BTDT

FYI- Local law enforcement advising that scammers are now pretending to be Social Security representatives calling to verify your SS data before sending you a new enhanced social security card in June of 2018.

BTDT

FWIW - I finally gave up on shingles and went with architectural steel. I put it on battens secured through the old shingles to the trusses. No clean up of old shingles, air gap between shingles and metal makes for a much cooler attic in summer, and repair is for life

BTDT

Restoring a 62 VW crew cab pickup. The cost for replacement parts is ..................... I better not say as better half might read this

Edit....oops I forgot to mention I also own a 32' hole-in-the-water

BTDT

At 71 years young , Taylor Larimore's method has worked very well for me in retirement. I think of it as "common sense" and a 'keep-it-simple-stupid' (KISS) combined approach. Bottom line- What works for me might not work for others, so I suggest the naysayers of'Taylor's method do it ther...

BTDT

A link to Bogleheads......actually, given my age, a phone number for Jack Bogle or Taylor Larimore might be more appropriate

BTDT

Snopes used to be fairly unbiased but I suspect it's now under new management, and I recently chose to unsubscribe.

BTDT

Bottom line- Choosing to take SS at 62 or 70 is a subjective decision. I chose to take SS at 70 for spouse survivor reasons, but 62 for other folks may be the better option?

BTDT

I always feel like such a loser because my friends always tell me how much they win in Vegas while I refuse to play. I still can't figure out how those casinos survive if everybody wins :oops: Oh well..... I'll just stick with Taylor Larimore's guidance and my three fund portfolio. Pretty boring, bu...

BTDT

From my humble personal experience, retirement is not having nothing to do, but rather doing what you want to do, when you want to do it. That said, I have led what I consider a very full life, including retirement at age 42 (military officer), retirement again at age 56 (business owner), and a thir...

BTDT

I keep mine for seven years

BTDT

Nope! Taking naps or going to bed early tends to adversely affect my nigh time sleep.

Had an eighty year old neighbor that was always complaining about not sleeping through the night, finally found out he was napping/sleeping during the day

BTDT

My IPS (Investor Policy Statement) is based on SWAN (Sleep Well At Night), so yes I paid off my mortgage and carry no debt. My IPS dictates that if I can't pay cash for something, I really don't need it.... like a Gulfstream G650ER

BTDT

There is a reason my signature is BTDT aka been there done that. If you are referring to a tankless water heater beware! You must either find a way to drain the internal valves or leave it plugged in and so the internal heater keeps working and than keep you fingers crossed. I opened the drain valve...

BTDT

My major disappointment and sole disenchantment is how fast time is flying

BTDT

Recently purchased a new vehicle from a dealership three states away. Well worth the trip. Their sales is based strictly on mass volume and huge factory rebates. They have three full-time drivers just to pick up buyers at the airport who come from all over the US including Alaska. I was skeptical at...

BTDT

I think it should be actionable now that both the house and senate have signed a bill that the President wanted, and also given the tax implications in the next two weeks. As an example In my case I just received my 2018 property taxes due January 1st. I don't itemize so I took the option of paying ...

BTDT

With over 3000 hours of helicopter time including examiner ratings, plus two combat tours in Vietnam, I would say no, it's not more dangerous than many other 'outside' jobs including fire fighter ( I was a smoke jumper also). If you are doing it for the money, than I would suggest early retirement w...

BTDT

I was hoping madbrain would win with 36000

BTDT

Seems like many want something for nothing. Yes I donate to the things I use frequently such as Mozilla, Bogleheads, Wikipedia, CBrats,......etc.. I guess I was brought up different and to each their own....

BTDT

As a long time Boglehead who follows an IPS titled SWAN (sleep well at night) I am very happy and sleep quite well. We traveled extensively in our 60's but international travel seem to be slowing down in our 70's. We still like to travel but airports, airlines, and fellow 'traveler's, are sucking th...

BTDT

I modified my IPS to account for retirement changes. I guess I could now call it IPS/RPS but my better half would probably not appreciate another acronym. I'm more into the KISS principle anyway and try to avoid OCB

BTDT

I am frankly shocked and disappointed. These guys can't compete with Vanguard so they buy Vanguard's funds and no doubt repackage them and sell them on to their unsuspecting clients at a nice profit. That's bad enough. But worse, this gives them potentially a huge influence over how Vanguard operat...

BTDT

Frigidaire- only drawback is you can't tell it's running, but the dishes come out sparkling

BTDT

Nope

BTDT

Took me about two weeks to quit waking up at 5AM to go to work, and about six months to quit having dreams/nightmares about work.
My to-do-list continues to grow, but retirement to me is having lots to do but only doing what I want to when I want to

BTDT

When I built my current house back in 1999, I had a 220V outlet put in the garage for my 1980's Sears 12 inch planer. As time went by, I bought a 12.5 inch wide Dewalt planer, which only needs 110V. So the old 220V Sears planer sets unused in the garage taking up floor space (I use it once a year m...

BTDT

I added a second garage a couple of years ago and now have his-and-hers two-car garages at each end. Absolutely love. Observations: 24' minimum width- I did 20 and significantly reduced work and storage area on one side of garage without intruding into vehicle parking. Minimum 10' ceiling with reinf...

BTDT

Make it easy to carry stuff like bags of groceries into the house. No steps up to the house, etc. If you don't care about this now, you will when you're older. Do not make your garage floor level with the living area. Leaking gasoline fumes (lawn mower, car, weedeater, etc,) can create a bomb like ...

BTDT

FWIW- My Malwarebytes is blocking the image link

BTDT

I use my credit card(s) for almost every transaction over $20, and use it for automatic debit of utilities, SS, etc. I keep $500 cash in my wallet just in case (emergency breakdown, power failure, etc.). I check our credit card accounts two or three times a week and pay them off well before the bala...

BTDT

Perhaps the OP might consider editing the title to: " 2018 Kaiser Medicare Advantage Plan details Now Available ". This could help many of us non-Kaiser folks not waste our time thinking it's about the "2018 Medicare Plan" ?

BTDT

Run.....don't walk away from this scam

BTDT

I find I no longer bounce when I impact the ground, and 'repair-time' takes much longer, so therefore I'm not as adventurous. Money is not an issue except I do enjoy camping in a five star hotel versus a pup tent.

BTDT

... life is terminal and at 66 you will 'soon' die... ... which give you 'just 16 years to do your 'thing'... ...especially when you start losing many of your best friends who were in their late 60's.... If you want a wake a wake up call take a tape measure and extend it to your present age, than e...

BTDT

Gentlemen jack, Makers Mark

BTDT

42 Military
56 Business owner
67 Manufacturing executive

BTDT

Net worth is pretty ambiguous especially when the house is included. That said, life is terminal and at 66 you will 'soon' die. I worked in the luxury motorcoach business and found that 82 seemed to be the maximum mark where people sold their RV's, started liquidating thier car collections, and sign...

BTDT

Worked/works for me

BTDT

Your umbrella policy provides additional protection when your homeowner's policy limits reach maximum payout. Your homeowner's insurance could care less that you have a 1 million umbrella policy as they have to pay first. If an elderly person trips and falls on your known 'defective' driveway, break...

BTDT

Went from a Sealy-Posture Pedic to Memory foam. I found the memory foam too 'warm'. Replaced with natural latex, three years ago.

Dr says I'm sleeping too much (10pm to 7am) but that's OK with me. DW and I both love the mattress and absolutely no noticeable change in mattress since delivered.

BTDT

How do the bad guys get into your iPhone? I have to either enter the six digit pin or use a finger print to access whenever I use it. The US govt spent a million bucks to break into the iphone of the terrorist in San Bernardino CA, so has something changed with mobile phone security? If people choos...

BTDT

First question- You went the cheap route with a $13 Harbor Freight charger and now your stuck getting a controller or frequent battery replacement.

Second question- Both methods work OK, it's more an ease of vehicle use question

BTDT

I'd been maximizing credit card point offers for travel, so I didn't freeze our reports, but I'm doing so now. This breach seems much bigger than any of the ones before. You can still maximize CC points , it only cost you $10 to un-freeze the credit bureau the card is using. The only difference you...

BTDT

I froze mine years ago. I recently purchased a new truck and financed a small portion. To un freeze takes a couple of minutes. Ask your lender who they are using for the credit check and than simply unlock that frozen account using the pin they previously provided. Cost ten bucks and you can limit u...

BTDT

Marjimmy wrote: ↑Fri Sep 08, 2017 9:33 am No, you do not NEED an echo. Period.

I agree! Just like you don't need a TV remote, cruise control, stereo music, HD/4K TV, programmable thermostats etc etc

BTDT

VictoriaF wrote: ↑Tue Sep 05, 2017 3:40 pm

This brings up an interesting question. If paying for experiences is more satisfying than paying for goods, then is wasting money on experiences that don't happen more demoralizing than wasting money on goods that are not used.

Victoria

Yes

BTDT

Top of the line one gallon and two gallon Zip lock type bags stored inside small firesafe's is a pretty good option. Vacuum sealed bags are even better!

BTDT

Based on my experience, one of the best ways to squelch a family relationship is to loan them money. Those that don't/won't/can't pay it back will no longer talk to you. So far I'm batting three 3 outs and one run. It appears to be a pretty much no win situation. As to the original poster's question...

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