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  1. Rustic23

    Anyone know what this is. It was in our kitchen drawer and we have no idea.

    It will open flat. It has Wolfermams written on the top
  2. Rustic23

    Seeking Bond ETF education.

    Last year I transferred all of our investments to Fidelity. We have pensions, 75% cole'd that cover our expenses double. So the cash in Fidelity is not immediately needed for living. I have broken it down into two sections. Might like it in the next 3 months, (I'll put about a third of the...
  3. Rustic23

    Verizon Visible Party Pay - Thoughts?

    My son has Verizon Visible. It is your standard pay as your go for everything plan. The novel part is Party Pay. You can have up to four people on a plan, each is billed separately, and all get unlimited. I understand only sales tax is added. For each phone up to 4 you add you subtract $5...
  4. Rustic23

    What's your Linux flavor?

    OK, so I realize that a large portion of this board could care less, and this topic has been discussed before. However, it has been awhile, and things change. I have used Ubuntu, Puppy, Mint, and several other distros in the past. I have an old laptop, don't know when I got it, but it...
  5. Rustic23

    How we spend our day!

    Not sure others have seen same luxury, but being retired this I’d how we spend or day! And yes, we are the group that has rolled back the start of Happy Hour.
  6. Rustic23

    Change the vacation school year?

    I did not know which forum to post this, but covid was the impetus for the idea. As cold and flue season is winter, and covid may be the same, why not change the school year. Change nov-feb To vacation. While that would leave only 8 months of school, there would be fewer holidays, thus more...
  7. Rustic23

    Covid effect on retirement rate

    DW and I were talking, well I was talking, she was politely quite, will the entire net rate increase when this is all over with. We have friends who could retire, but have not. (Restaurant owner). He has had to close. He has not said if he plans to reopen. As he has a second home in a...
  8. Rustic23

    A Senior Bail Out?

    OK, this will show I am not a financial genius, but it would seem to me that a good way to calm things down would be to allow the conversion of IRA's to Roth IRA's tax free. You could limit it is various ways. Maybe only for folks over 40 or 50. Allow the conversion for only six months or a...
  9. Rustic23

    5G Phone Hype?

    I have no stake in 5G. However, I have watched tech for a long time, and 5G phones seem to be more hype than need. Yes 5g is fast, real fast, so my text will be instantaneous, rather than almost instantaneous. I will be able to download a movie is seconds, on my phone, and take an hour to...
  10. Rustic23

    How to pay LTC?

    We self-fund LTC. My question, however, is A. Take the funds from Taxable accounts, or B. Take the funds from IRAs. I figure that money spent on LTC would be tax deductible. So while we do not have to make this decision yet, it would appear better to take the money out of IRAs and reduce the...
  11. Rustic23

    What to do with IRAs

    DW and I have about a half million in IRAs with USAA. USAA has sold their asset management to someone called Victory Capital. A firm I have never heard of and has made no effort to contact me about these account. Soooo.. we plan on moving two IRAs to another asset management firm. The...
  12. Rustic23

    Another 'great' experience with USAA

    I have a crack in my windshield. I called USAA to get it repaired. I went through almost two hours of phone call h3ll. There automated system routed me to Safeflight everytime I even said glass! USAA has outsourced glass repair to Safeflight. Safeflight said the repair would be $500 and I...
  13. Rustic23

    What are these

  14. Rustic23

    Nstiwtiwgd

    First off it stands for No Shxt There I was Thought I Was Going to Die It was suggested this tread be started over in the Pilots thread. NSTIWTIWGD comes from a book about sky diving, which I have no experience. In fact we always said only bird shxt and idiots fall from the sky. My...
  15. Rustic23

    What's on your router?

    This came up in the Cord Cutting thread, so I thought I would start this.. I have a TPLink router. I have a printer and NAS hard wired to the router. I have three Kasa switches and four Kasa plugs via wifi. I have four Mi plusg by wifi. At any given time there are three Roku's, two computers...
  16. Rustic23

    Hemorrhagic Stroke

    DW had one last Friday, and I thought I would pass along some of the things we have learned. First, she is doing extremely well! We truly dodged the proverbial bullet. We had gone out to dinner, and the stroke happened just before we got up to leave. Maybe it was the bill. LOL When she stood...
  17. Rustic23

    Amazon Prime Warnng!

    This may have been covered before, but I have not seen it. I got two emails in the past couple of days. One confirming my HBO order and the other my Starz order. Only problem is I did not order either. I rooted around the Amazon site and sure enough it showed I had order the free trial of...
  18. Rustic23

    Have you switched Phones?

    I switched from a Samsung to Iphone about six or seven years ago. It was a Galaxy S I believe, one of the first or second Samsung phones. The GPS was horrible, took forever to chime in and I was leery of the Play Store as there seemed very little oversight of their apps. I have been happy...
  19. Rustic23

    New Mazda engine for 2019

    Mazda's new HCCI engine: Here's how it works It is called an HCCI engine. Essentially it is a gas engine that runs like a diesel no spark plug required, except, it has one. According to what I have read the plug is active when additional power is needed like passing. The trick seems to be when...
  20. Rustic23

    Poll:Tipping on a Cruise

    We just got back from a 7 day cruise on Royal Caribbean. They have a mandatory tipping policy, as other lines do. However, they also 'encourage' tipping for superior performance if you wish at the end of the cruise. I was wondering what folks considered 'normal'. Thus the poll. Keep in mind...
  21. Rustic23

    McAfee and Windows 10 update

    Friend of mine is running Windows 10 on a Dell all in one. The last update, I think June 1, prevented her from being able to get to the Internet. It recognized the router, said there was Internet Access, but would not load pages. I went through all Windows fixes and nothing worked. She...
  22. Rustic23

    2 factor ID?

    I have been playing with this for awhile now and I am not sure it is as safe as I thought. First I have two devices to protect, an Iphone & Ipad. When I use my phone number as the destination for the 2 Factor Code (2fc), it goes to both devices. If I use say Google Authenticator the 2fc goes to...
  23. Rustic23

    Poll: Biggest Credit Card

    We have two credit cards. One with a low limit, and the other, by our standards, a large limit. We use one for bills only, and the other for everything else. That got me wondering what most people on here would have for their largest credit card limit.
  24. Rustic23

    Does it make sense to defer property tax?

    Background: In Texas when one reaches 65 two laws kick in. One, for all School property tax is frozen. Two, for some counties, county tax is also frozen. I live in one of those. Three, you can defer your taxes. If one chooses to do this there is an 8% simple interest, NOT COMPOUND, added to your...
  25. Rustic23

    TransAmerica retirement survey

    http://www.transamericacenter.org/docs/default-source/retirees-survey/tcrs2016_sr_retiree_compendium.pdf The link takes you to the survey. Many of the questions and polls on this site are in the survey.
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