Recent content by heirloom

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    What was Your Workout Today?

    Way to go all of you. Joined Y last month with Silver Sneakers and signed up for water aerobics to start out with. It begins on Monday and if I have enough ummph after class I'll do some machines.
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    Florida vs. Texas

    Whatever state you think you may choose, you should rent a place a couple yrs in the summer and fall seasons to make sure you can tolerate the heat.
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    what did you do today? (2008-2015) (closed)

    Weather was so nice so I started spring cleaning. Put most of winter clothes away or in a bin for Salvation Army. Went through misc. items to see what I really wanted to keep or sell. That's about it.
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    Interesting Merrill Lynch report on housing in retirement

    We always said we would relocate in Fl when we retired. Now the time is here and we have grandchildren. This is now the prime time to be with them, while they are still young and want to see us. But we still go down to Fl for 18 mos. Don't want to leave our cat alone to long. My husband...
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    Pension Lump vs Monthly Annunity

    lump sum vs annuity I would wait to see if the 1.7 trillion bill passes. If you go to Bloomberg.com today there is an article "is Congress about to cut your pension?" Sounds a little scary and I would take lump sum if the bill passes. I already ret'd and have a monthly annuity...
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    Former employer dragging feet on 401K rollover

    Yes, Vanguard will do the paper work for you. Let them know and they will fill forms out and you sign them then send it to your 401k company. Or, you can do it electronically also.
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    China ETF

    Barrons has an article about CHL, which is China Mobil. They mention that this stock will take off when Alibaba IPO's. CHL is 90% gov. owned, which is a little dangerous, but this is the company most most people will use to access the internet. Someone called Cramer yesterday cc CHL and he said...
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    SS at 70 and RMDs - double tax 'whammy'?

    Don't want to be a Debbie downer, but there is always a chance the Roth IRA could be taxed someday. At one time you didn't have to pay taxes on SS check that you paid into all your life. With 43% of people not working today, the gov. has to get the money somehow to pay them the minimum SS...
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    Buy 2nd Home Now or After Retirement?

    Don't forget Fl. used to be all swamp at one time, and most of it is in flood zones, especially southern Fl. The fed. gov. wanted to increase flood ins. 18% yearly because of the money they now owe due to the storms in NJ and NY. Fl. gov. got it changed for the time being. Just type Florida...
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    How to get out of a timeshare???

    I just made reservations to see TS in Orlando. Hilton called and we stay 3 nights, 3 days for $147. We get 10K points towards our Holiday Gardens card and a $200 cert, for any Hilton owned motel/hotel. I told her we were too old to invest into something like this, but she still wanted us to...
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    Do you plan meals in advance?

    We always planned when we first got married and meals were planned for the week. We ate what was on sale that week. Then as our chilfren got older and busier, planning came to a halt. Now we're ret'd and are back to square one since I have more time. Buy what is on sale for the week, have...
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    Medicare HMO vs PPO

    Wow...that so hard to believe a Dr. would be that stubborn. I talked to the medicare ins carrier this past summer because I'm getting close to that age too. Since we'll be going to Fla. every Feb. I asked him the exact question you're talking about. He said if it is an emergency the insurance...
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    Medicare HMO vs PPO

    My husband just came home from a medicare seminar. They were pushing the HMO, saying it is cheaper monthly and they pay the same as PPO as long as your dr. is in network. I find that a little hard to believe unless they are trying to get everyone onto an HMO pgm. then change what they pay when...
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    LOL!'s Market Timing Newsletter

    I was going to purchase KO when it was 37.70 before earnings, but talked myself to wait until after. It went up, so I didn't get any yet. Sooner or later there will be a correction. Funny, I have been checking POT out too. I'm waiting to see if it goes back to $29. I'll be selling some YHOO...
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    Buying India?

    Cramer mentioned on his show yesterday that traders are telling him to get into India now. He suggested the Wisdom Tree ETF. He also has VGN(Vang. European etf) and FXI(Chinese etf of 15 or 25 stocks). Can't remember how many stocks off hand it has but they are top trading stocks in China)...
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