Join Early Retirement Today
Showing results 1 to 25 of 873
Search took 0.04 seconds.
Search: Posts Made By: Bob_Smith
Forum: FIRE and Money 12-02-2006, 12:05 AM
Replies: 41
Views: 4,780
Posted By Bob_Smith
Re: Basic Book Recommendation

You are addressing a whole different issue! Sure, as they're growing up we need to make them aware of the things you mention. But that's an entirely different matter than deciding that it's "a good...
Forum: Health and Early Retirement 12-01-2006, 10:13 PM
Replies: 30
Views: 3,798
Posted By Bob_Smith
Re: Dry hands during winter.

bongo2, where did you buy it? I'd like to try it. If people are actually going to the cash register and buying a product called "Crack Cream" it must be good... I'll have to wear a disguise when I...
Forum: FIRE and Money 12-01-2006, 09:49 PM
Replies: 41
Views: 4,780
Posted By Bob_Smith
Re: Basic Book Recommendation

wheel9, my comments below are not directed toward you because I don't know anything your about your specific circumstances. I'll just throw out a couple of thoughts about this general topic, for what...
Forum: FIRE and Money 12-01-2006, 05:38 PM
Replies: 54
Views: 6,794
Posted By Bob_Smith
Re: Another advisor horror story

I am one of those who is of the opinion that anyone who beats the market over a long period (and most of us are in this for the long haul) either takes more risks to do so, or got lucky. I allow for...
Forum: FIRE and Money 11-30-2006, 11:30 PM
Replies: 25
Views: 5,274
Posted By Bob_Smith
Re: Saved a Few Bucks

As far as I can tell, the only thing you miss online are those adjustments you mention. Mine fit fine right out of the box, but even if they didn't, there's an optician in my town who will adjust...
Forum: Health and Early Retirement 11-30-2006, 11:18 PM
Replies: 18
Views: 3,100
Posted By Bob_Smith
Re: Long-term care subsidies aren't working

Yep, solvency is the biggest concern. They're a big outfit, but you never know for sure. And decent ratings today can change on a dime, or be too optimistic to start with. It's a roll of the dice.
...
Forum: FIRE and Money 11-30-2006, 09:38 PM
Replies: 25
Views: 5,274
Posted By Bob_Smith
Re: Saved a Few Bucks

Martha, I'm going to order a pair of sunglasses for my wife at 39DollarGlasses.com. I checked for coupon codes and one site tells me that the code: dn17326 will get you free shipping with no minimum....
Forum: Health and Early Retirement 11-30-2006, 08:15 PM
Replies: 18
Views: 3,100
Posted By Bob_Smith
Re: Long-term care subsidies aren't working

Rich, here are the details:

--I was 49 and my wife was 48.
--Coverage was $110 per day, but there's a 5% compound inflation rider, so it's $140 now. At the time we called a care center in a small...
Forum: Health and Early Retirement 11-30-2006, 05:41 PM
Replies: 18
Views: 3,100
Posted By Bob_Smith
Re: Long-term care subsidies aren't working

Approximately 4 or 5 years ago, my wife and I each bought a LTC policy. We paid them off in one lump sum. So there are no premiums (or premium increases). We'll know for sure if it was a good move...
Forum: FIRE and Money 11-29-2006, 03:37 PM
Replies: 44
Views: 6,934
Posted By Bob_Smith
Re: SIPC insurance?

Is it really as trivial as that?

I'll quote justin up-thread:



While you could probably conserve some of those savings, you'd likely give up a fair amount of them. Add to that the costs...
Forum: FIRE and Money 11-29-2006, 01:58 AM
Replies: 22
Views: 3,850
Posted By Bob_Smith
Re: So what's wrong with 500k in a sheltered 4+% money market?

The market dropped yesterday? I didn't know that. I reconcile my statements once a month and have no idea what the market does in the meantime.
Forum: FIRE and Money 11-29-2006, 01:12 AM
Replies: 23
Views: 8,580
Posted By Bob_Smith
Re: Anyone using Fidelity's "Full View" service?

Ron, I went in and read the fine print. It appears to me that the customer would be left holding the bag if something went wrong. Here's some of the legalese:

"LIMITATION OF LIABILITY. YOU AGREE...
Forum: FIRE and Money 11-28-2006, 08:37 PM
Replies: 4
Views: 1,710
Posted By Bob_Smith
Re: 403b Bloat - Too much of a good thing

Rich_in_Tampa, have you maxed the 15 year rule? If you haven't, and you have been with your employer for 15 years, you may not need to do anything. It would add $3,000 to the max.

I've been...
Forum: FIRE and Money 11-28-2006, 06:50 PM
Replies: 23
Views: 8,580
Posted By Bob_Smith
Re: Anyone using Fidelity's "Full View" service?

OkieTexan, I have concerns about this too. I used aggregation services at one time, but quit doing so because I couldn't get a solid answer to this question:

If I provide all of my Company A...
Forum: FIRE and Money 11-28-2006, 05:31 PM
Replies: 44
Views: 6,934
Posted By Bob_Smith
Re: SIPC insurance?

Not at all! This thread is about examining a low probability event and trying to determine how low the probability really is. Brewer did exactly that. I appreciate his candor.
Forum: FIRE and Money 11-27-2006, 06:24 PM
Replies: 54
Views: 6,794
Posted By Bob_Smith
Re: Another advisor horror story

That's right, they don't all charge the same; most are high cost, and most of the rest are even higher. And I don't send friends and family looking for needles in haystacks.
Forum: FIRE and Money 11-27-2006, 02:14 PM
Replies: 54
Views: 6,794
Posted By Bob_Smith
Re: Another advisor horror story

I have a fair number of people who ask for input. Four "rules" I follow:

1) First I make sure anyone requesting help understands the importance of self-education and the high costs and risks...
Forum: Other topics 11-26-2006, 08:09 PM
Replies: 18
Views: 1,707
Posted By Bob_Smith
Re: Help me Debug Some Video

It started downloading automatically (I use Firefox). I opened it in VLC media player and it played just fine.

That is one talented group, TromboneAl. I really admire people who can play musical...
Forum: FIRE and Money 11-26-2006, 02:43 AM
Replies: 44
Views: 6,934
Posted By Bob_Smith
Re: SIPC insurance?

The possibility of losing money is remote. SIPC protection is only the first line of defense; there's usually a great deal more. And the nature of the securities is such that you're already assuming...
Forum: FIRE and Money 11-25-2006, 10:37 PM
Replies: 44
Views: 6,934
Posted By Bob_Smith
Re: SIPC insurance?

I agree with Nords. This is not on my list of concerns. I did look into it at one time but I don't recall the specifics - I just recall checking it off my list of things to be concerned about.
Forum: FIRE and Money 11-25-2006, 10:27 PM
Replies: 18
Views: 2,538
Posted By Bob_Smith
Re: Cash, Checks or Credit Cards

Professor, regarding the tracking of expenses: I track expenses with Quicken. Everything we spend gets noted at the time (whether in the check registry or the VISA registry). At the end of the month,...
Forum: Life after FIRE 11-25-2006, 11:35 AM
Replies: 6
Views: 2,480
Posted By Bob_Smith
Re: Anything wrong with this?

Yep, at some point you just have to take the leap. When I left the job, I decided that I had enough for health insurance - up to a point - and if that wasn't enough, I'd just join the growing ranks...
Forum: FIRE and Money 11-24-2006, 08:56 PM
Replies: 14
Views: 2,615
Posted By Bob_Smith
Re: Don't use your debit card for car rental

kramer, I got a credit card after retiring. At the time, I hadn't used credit in so long that I had completely fallen off the credit system's radar. It had been 10+ years since I had any type of...
Forum: Life after FIRE 11-24-2006, 07:57 PM
Replies: 6
Views: 2,480
Posted By Bob_Smith
Re: Anything wrong with this?

Just one more suggestion which you've probably already considered... I'd want to be sure that I considered the difference between my own personal cost of living increases, and the CPI, or whatever...
Forum: FIRE and Money 11-24-2006, 07:35 PM
Replies: 25
Views: 5,274
Posted By Bob_Smith
Re: Saved a Few Bucks

Martha, yes, the glasses I bought here worked great for me:

https://www.39dollarglasses.com/

I have purchased three pair and I still use all three. One is strictly for computer use, one is for...
Showing results 1 to 25 of 873

 
Forum Jump

 
All times are GMT -6. The time now is 03:23 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.