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Old Guy

Been retired for seven years. Unlike many here I worked into my early 70s having a 10 year second career after retiring from 30 years in the federal government. My wife worked into her late 60s likewise having a second career after retiring from the feds. I know that this makes us outliers here but ...

Old Guy

My son needed the four years of college for maturation. We could afford it and it was worth the money.

Old Guy

We’re up here in NE Georgia right now. No cicadas.

Old Guy

Consider taking a university or government job. Less money but much less hours. Plus you’ll get medical coverage.

Old Guy

This thread just reinforces my view that many people on this site enjoy doing the math about their money more than they do actually spending it.

Old Guy

Our community doesn’t allow rentals of less then six months. That’s fine with me.

Old Guy

I’m 78 years old. I’ve accumulated my wealth. Now I want to spend it.

Old Guy

Zillow undervalues my house by $130,000 based on an appraisal for a refinance. Realtor.com values the house $90,000 more then Zillow, but still under the appraisal, even though Realtor doesn’t include the nearly 800 sq feet of living space the previous owner added in 2013. So, it all seems pretty us...

Old Guy

Do I understand that she’ll be 95 when the annuities kick in?

Old Guy

In 2001 I bought $19,000 worth of I bonds. They’re now worth $51,000+.

Old Guy

Where I live in southeastern SC, pine straw is the standard mulch. It’s available from big box stores and landscapers.

Old Guy

I would not buy a Tesla for two reasons: One, Elon Musk. Two, I cannot buy a new Tesla in the state where I live since state law forbids manufacturers from owning dealerships.

Old Guy

A friend in England who is buying a house told me that the rates are between 2.10 and 3.59.

Old Guy

Efiled 2.12. Refund deposited on 2.24. Efiled SC 2.12. Refund 3.27. Both federal and state involved large refunds.

Old Guy

When we had retirement jobs in Madison WI we bought a condo in the River North section of Chicago. A 2+2 on the 18th floor with a spectacular view. We used it two or three weekends a month leaving Friday after work and coming back on Sunday. We spent a few thousand upgrading some of the furniture an...

Old Guy

Lots of domestic travel. April by car to Blue Ridge GA. May to Marco Island FL. June to Boston. July to Park City UT. August to Steamboat Springs CO. December to Palm Desert CA. Summer travel hurricanes permitting.

I’ve had both my vaccinations and my wife will have her second 4.1.

Old Guy

Can you please put the link to starting a thread somewhere obvious. Darn if I can find it.

Old Guy

I have an unsophisticated question. If you invest in the VG high yield dividend fund do you get dividends? If so, how often?

Old Guy

I settled with Lender Fi on February 25 at 2.5%. The Amrock representative was the same attorney that Amrock used for our Chase re-fi in 2019. The prepaid‘s were taken out of my Fidelity account today.

Old Guy

30 year federal employee. By the time I reached a 14, I mostly ate lunch at my desk, worked at home in the evenings, and often came in on the weekends. Others didn’t.

Old Guy

We spent a week last summer in Breckenridge and a week in Vail the year before both in August. Great temperatures. Breck is an old mining town and we found it much more interesting than Vail, which apparently was mostly built in the 60s and 70s. We are scheduled for an August week this year in Steam...

Old Guy

A substantial return is expected on 2.24. I sent it to TT on 2.9 and they filed it on 2.12. I'm getting a large amount back because I always over withhold and this year stopped one of my RMDs. Unboglehead granted but I like getting a large amount in one bite actually two since I'm getting a signific...

Old Guy

Federal was submitted by TT on February 9 before the IRS was accepting returns. It was accepted by the IRS on February 13.

Old Guy

Still using Office 2007, which I got when I was working for a university. I only use Word.

Old Guy

Closing will include pre-paids like escrow. They waived the appraisal. They’re not always responsive and I found some of their document requests opaque.

Old Guy

Thank you all. I’ll upload the SS letters and see if that’s what they want.

Old Guy

Thank you. Any thoughts on the letter from the The Federal Savings Bank?

Old Guy

I received a letter today from the The Federal Savings Bank in Chicago with the exact terms offered by LenderFi. There is no mention of LenderFi in the letter. They said they have tried to contact me previously. They haven't and I have to contact them before 2.15. Well its 2.13 and the weekend. Is t...

Old Guy

I’m doing a lender fi loan right now at 2.5%. They’re asking for an award letter. I have no idea what they’re talking about. I have asked them but I haven’t gotten a reply yet. Could it possibly be Social Security?

Old Guy

My broken foot

Old Guy

My son returned something to the UPS store I had sent to him in LA on January 30. Still no indication that it was received.

Old Guy

Having a second career and working until I was 71 and having a spouse with a second career working into her late 60s were the best things for us. We kept busy with jobs having social utility and were able to add two more pensions and pre-tax investments along with additional social security all of w...

Old Guy

I’ve been buying silver and gold coins for the last year or so. Why? They’re pretty. I like looking at them in a non-Scrooge McDuck kind of way.

Old Guy

What Scooter said.
https://apple.news/Aa6NYwjDxTuKgYCKFW98msQ

Old Guy

Have you considered how much money you’ll be saving on your taxes with the mortgage deduction?

Old Guy

We only have one child. With our multiple pensions, social security, and investments we have plenty of money. At our age we’re kind of running out of things to spend it on. He can use the money now. Why make him wait until we’re dead? Edit that although age is bringing some medical issues, the combi...

Old Guy

https://apple.news/A7wPunByDRp2aDKv5Pafnbw

From Car and Driver on battery loss

Old Guy

They are already available on line.

Old Guy

My brother texted me the following:

“By the way Alabama is number one in football and last in vaccine.”

Old Guy

I had a similar situation. It was a matter of being careful what you wish for. I already had a 14 so there was no extra money. It was during the Clinton administration so I was a team leader rather than a branch chief. That meant I had all the same responsibilities without the authority. I did not l...

Old Guy

Football is king leading to a lot of bad decisions there. As an aside, my brother, who lives outside of B’ham and whose daughter graduated U of Alabama says: “You're born either Auburn or Alabama.”

Old Guy

I worked until I was 71, 78 now. I do not regret it although the 30 years in the federal government were often painful. My second career at a major B1G university in one of the best college towns in the country was taxing but wonderful. Not only was the money a great add on to my already substantial...

Old Guy

2011 Ford Explorer. Great for an old guy’s knees. Plenty of room for our greyhound. Trouble free. The only thing I dislike is the relatively small back window that doesn’t open. My wife has a 2018 RAV4.

Old Guy

Why do I have to do anything meaningful? I spent 40 years doing meaningful stuff. Don’t need to do it anymore.

Old Guy

It was between LA, where our son lived, and a resort community in southeastern SC. As much as we love our son, we dislike LA particularly because of the traffic. We were very familiar with the SC location from many past vacations. We’ve been there for six years. It’s not perfect, very few places are...

Old Guy

The biggest problem with Tesla is Elon Musk.

Old Guy

Saving Marriott reward and American ff points for 2022 trip to England. At our age it will be our last European vacation. I’m also using the Fidelity cc for the cash rewards.

Old Guy

To their credit, the refund showed up two days after the cancellation.

Old Guy

I think I hear stories like this much more than I hear people that love the Peloton. I'm not opposed to spending big bucks if it's equipment you'll use, but those kind of experiences would scare me away. If you're spending that amount of money, I'd expect white glove service. It's just a bike after...

Old Guy

I’m still interested and I see that they bought Precor, which should help with their production schedule. I’ll wait until the pandemic calms down, hopefully it will, and I’ll try again.

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