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  1. DrRoy

    15 Years Retired

    We are still go go. Just got back from 3 weeks in Ireland. We did retire at 57 and are still mid 60's. I know we won't keep it up forever.
  2. DrRoy

    awash in space aliens

    It is an oxymoron and I hate it when there is an alien program on The History Channel.
  3. DrRoy

    Restaurant adding fee for use of credit card

    If I run into a fee that is higher than my cash back I will use my debit card.
  4. DrRoy

    Just hit #7

    It is satisfying to get a “You have been thanked.”
  5. DrRoy

    Just hit #7

    Glad to know that!
  6. DrRoy

    Just hit #7

    Well. I just got my seventh star. Guess that means something. What do you think?
  7. DrRoy

    Longevity Vacations

    That is not what I would call a vacation.
  8. DrRoy

    Literally: Life After Fire

    I recall reading someone’s 4 stages of retirement, and the 2nd one was the “getting lost” thing. That never happened to me. My two main pursuits in RE are travel and photography. After a trip, I spend several hours a day editing the photos. I am always so happy to finish that job so I have some...
  9. DrRoy

    After I'm Gone

    DW doesn’t manage the investments but I discuss with her what we have and what I do with it. She did used to work at a bank and manage our checking account. She now manages the autopay stuff. When I asked her the question, she said that she would figure it out.
  10. DrRoy

    Net worth calculator

    It is about what I have seen elsewhere.
  11. DrRoy

    Southwest Ohio Get-Together

    We would not be able to make either of these weekends.
  12. DrRoy

    Monoclonal Gammopathy

    I've been diagnosed with it for 15 years. I get labs done every 6-12 months. The results have been stable, and I have no symptoms. I have heard that there is a 1% chance per year of it progressing.
  13. DrRoy

    Rethinking my yearly Roth conversions

    If you pay now, you are presumably doing it on a smaller amount. All the growth in the Roth account will be untaxed.
  14. DrRoy

    Claiming Sales Tax on your taxes

    I haven't itemized since the mortgage was paid off.
  15. DrRoy

    Software for Net Worth tracking graph

    +1 Excel
  16. DrRoy

    State Income Tax: not always perfect

    People leaving California has driven real estate up in nearby states.
  17. DrRoy

    Vacation home/cabin use?

    My parents had a cottage on a lake in Quebec that we went to every year when I was young, and they continued to use every year. My sister continued to go every summer for long stretches, but we went there less so. She has it now, and we have not been for 7 years. We just want to go other places.
  18. DrRoy

    Total Solar Eclipse April 8, 2024

    From Greenville, OH. Loved the experience. The traffic back to MI was unbelievable.
  19. DrRoy

    Why are older Americans drinking so much

    Went from once a weekend to about 2X per week. Usually pinot noir.
  20. DrRoy

    New Car Dealer REQUIRES Financing

    I haven’t run into this, but never shopped a new Kia. Not surprised, though.
  21. DrRoy

    Blow that Dough 2024

    We used to try and keep lodging below $150/night, but now days we will go up to $300 occasionally. Some years ago we dreamed about owing a log home, but in the end we remodeled the one we have, thinking that we could rent a log place some time. We finally tried that 2 years ago in the Colorado...
  22. DrRoy

    Medigap Shopping: Closing the Book & Rate Increases

    I ended up with Humana (MI). The rate was better than AARP/UHC at 65 and at 80.
  23. DrRoy

    Selling a stand-alone garage

    +1
  24. DrRoy

    The age when you actually retire, vs. the age when you begin taking social security

    I believe that it does not include adding future earnings.
  25. DrRoy

    First million is enough

    If we had less, we would just spend less and be fine.
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