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Search: Posts Made By: Richard4444
Forum: Health and Early Retirement 11-18-2020, 01:36 PM
Replies: 18
Views: 744
Posted By Richard4444
I wouldn't want important prescriptions left...

I wouldn't want important prescriptions left outside my building in the same manner as some Amazon deliveries are.

Rich
Forum: Hi, I am... 09-11-2020, 10:26 AM
Replies: 7
Views: 962
Posted By Richard4444
Welcome Tex ! Rich

Welcome Tex !

Rich
Forum: COVID-19 | Containment Area 08-31-2020, 08:11 AM
Replies: 24
Views: 1,322
Posted By Richard4444
Here in Florida, I believe at 70, you can be...

Here in Florida, I believe at 70, you can be excused for your age. I was summoned for jury duty one year ago, not yet 70, but basically gave my medical history and copies of physician letters that I...
Forum: Life after FIRE 08-18-2020, 10:23 AM
Replies: 29
Views: 1,950
Posted By Richard4444
I re-read On Walden Pond about five years ago. I...

I re-read On Walden Pond about five years ago. I had lived in the Boston area and visited Walden Pond quite a few times, so I felt that it would be a good nostalgia read. It seemed to me, just my...
Forum: Other topics 08-13-2020, 01:27 PM
Replies: 101
Views: 5,506
Posted By Richard4444
I can't believe a Corleone is asking us how to...

I can't believe a Corleone is asking us how to deal with unruly neighbors !

:laugh::laugh:

Rich
Forum: FIRE and Money 08-03-2020, 04:09 AM
Replies: 901
Views: 102,664
Posted By Richard4444
FWIW, I had 2 CDs mature recently: opted for 2...

FWIW, I had 2 CDs mature recently: opted for 2 GNMAs (not funds) paying over 2% for expected 3 - 4 years

Rich
Forum: Stock Picking and Market Strategy 07-20-2020, 08:41 AM
Replies: 75
Views: 3,321
Posted By Richard4444
and here is their (Income Solutions) emailed...

and here is their (Income Solutions) emailed response to me today:

All of your previous annuities purchased through the Income Solutions® platform through Vanguard reflected a one-time 2%...
Forum: Stock Picking and Market Strategy 07-19-2020, 01:55 PM
Replies: 75
Views: 3,321
Posted By Richard4444
teej: I did buy my annuities via Vanguard as...

teej: I did buy my annuities via Vanguard as their commission was 1% less than immediateannuities.com, so I emailed them today and asked how they competed against immediateannuities. I didn't want...
Forum: Stock Picking and Market Strategy 07-18-2020, 06:06 PM
Replies: 75
Views: 3,321
Posted By Richard4444
I have SPIAs totaling ~ 10% of my NW. For me,...

I have SPIAs totaling ~ 10% of my NW. For me, that money would likely be in CDs or similar instruments returning (not earning) far less. It is forever and if I leave the planet early, I will not be...
Forum: FIRE and Money 07-14-2020, 11:13 AM
Replies: 36
Views: 4,417
Posted By Richard4444
tmitchell: Be thankful for your good health but...

tmitchell: Be thankful for your good health but we buy insurance because this could change on a dime, either by illness or accident.

Rich
Forum: COVID-19 | Containment Area 06-21-2020, 04:33 PM
Replies: 235
Views: 22,377
Posted By Richard4444
Reader: My best wishes for your full recovery...

Reader: My best wishes for your full recovery ASAP

Rich
Forum: Health and Early Retirement 06-02-2020, 04:56 PM
Replies: 28
Views: 1,163
Posted By Richard4444
And I am the 3rd retired dentist responding and I...

And I am the 3rd retired dentist responding and I also echo my colleagues' shared opinion. If this was my mouth, and as long as the two existing teeth are in healthy enough condition, I would have...
Forum: Other topics 06-01-2020, 07:48 AM
Replies: 135
Views: 9,932
Posted By Richard4444
44 + 10 months. Rich

44 + 10 months.

Rich
Forum: FIRE and Money 05-21-2020, 08:27 AM
Replies: 901
Views: 102,664
Posted By Richard4444
What’s negative convexity? Most fixed-income...

What’s negative convexity?
Most fixed-income bonds or securities have a positive convexity, which roughly means the price moves in the opposite direction to interest rates. But mortgage-backed...
Forum: FIRE and Money 05-21-2020, 06:56 AM
Replies: 901
Views: 102,664
Posted By Richard4444
Ginnie Maes are government backed secure, and pay...

Ginnie Maes are government backed secure, and pay over 2%, many are approximate payout of 3-5 years. Wouldn't this be a better option than a CD?

Thanks, Rich
Forum: COVID-19 | Containment Area 05-05-2020, 10:32 AM
Replies: 49
Views: 3,113
Posted By Richard4444
Do you feel safe not only in the plane(s), but...

Do you feel safe not only in the plane(s), but also at the airports for 2 hours +/- each way and more if there are connections?

Rich
Forum: FIRE and Money 04-25-2020, 10:52 AM
Replies: 901
Views: 102,664
Posted By Richard4444
Here's what I don't understand: The Fed is...

Here's what I don't understand: The Fed is printing lots of money. That means increased inflation, which should mean a higher yield on CDs, MM, etc. But I guess I am wrong, so what am I missing?
...
Forum: Life after FIRE 02-07-2020, 06:05 AM
Replies: 113
Views: 7,375
Posted By Richard4444
I have been volunteering for 19 years one day a...

I have been volunteering for 19 years one day a week at a Mental health facility for ~ 6 hours daily and another day at a Habilitation Center for ~ 2 hours daily. Of course there are Agency...
Forum: Health and Early Retirement 10-29-2019, 04:55 PM
Replies: 28
Views: 1,297
Posted By Richard4444
I have Medicare, Part B, Part D, and Concierge. A...

I have Medicare, Part B, Part D, and Concierge. A whole lot of dollars.

Why is the Advantage plan so much more profitable for the insurer ?

Rich
Forum: Health and Early Retirement 10-27-2019, 05:36 PM
Replies: 24
Views: 1,393
Posted By Richard4444
This is also common with tamsulosin (Flomax)...

This is also common with tamsulosin (Flomax) which, for those partaking, should rise slowly as above. :)

Rich
Forum: Health and Early Retirement 10-23-2019, 06:55 AM
Replies: 92
Views: 7,294
Posted By Richard4444
Best wishes - your "bunch of strangers" are also...

Best wishes - your "bunch of strangers" are also a good support group !

Rich
Forum: Other topics 10-23-2019, 06:48 AM
Replies: 82
Views: 5,462
Posted By Richard4444
I've lived in Palm Beach County for 22 years and...

I've lived in Palm Beach County for 22 years and am glad I made the move from Boston. The first year was the adjustment. If you don't want to deal with traffic, drive after rush hour and before noon...
Forum: Travel Information 08-28-2019, 05:44 AM
Replies: 28
Views: 1,140
Posted By Richard4444
I am a PADI Divemaster alumnus, first dive was...

I am a PADI Divemaster alumnus, first dive was 1975 and I organize a dive travel group 3x annually throughout the Caribbean. If you insist on your dive vacation including lessons, I would do it in...
Forum: Technology, Media & e-Gadgets 07-29-2019, 05:04 AM
Replies: 55
Views: 2,157
Posted By Richard4444
My IT person set up my computer with a cloud...

My IT person set up my computer with a cloud backup called 'iBackup,' nothing to do with Apple. Five years ago after a probable cable surge my HD fried. I bought a new computer and restored...
Forum: Health and Early Retirement 07-29-2019, 04:38 AM
Replies: 39
Views: 1,969
Posted By Richard4444
Third retired dentist reporting in. I concur...

Third retired dentist reporting in.

I concur with HadEnuff and mn54 as well.
- I would rather be treated by an experienced dentist with a good 'gut feel' for what needs to be done. Experience...
Showing results 1 to 25 of 495

 
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