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  1. harley

    Use It or Lose It Letter From Credit Card

    I agree that paying the bills on time is the most important aspect, but I don't think getting a card then ignoring it is a good idea. I did the same thing years ago with the Home Depot card (as well as Lowes and many other "store" cards). But with my Home Depot card, a few months after I used it...
  2. harley

    Eight years of ER where did the time go....

    18 years for me/us. I was always focused on RE, based on my immediate family dying really young. I retired at 50, and we've had a hell of a good time. It was a good decision, because now that I've reached "normal" retirement age I've started having some major health issues. So I'd call it a good...
  3. harley

    "Affordability" and a new car

    We're new car buyers and keepers. Our new car is a 2018 VW Beetle. We also have a 2016 Honda minivan that we also consider new. I'm giving my grandson my 2004 Highlander. All bought new. Based on this behavior, I don't pay too much attention to cost. Comfort and reliability are far more...
  4. harley

    Naked Gardening Day 2024

    And once you're finished in the garden, you can head over to Miami and board the boat - Nude cruise to set sail from Miami in 2025
  5. harley

    Restaurant adding fee for use of credit card

    Many years ago (before widespread use of CCs) I was working in a restaurant. At the end of the day we (manager and I (asst manager)) would count the money and balance the register. Then we put the cash in a bank bag and walked it over to the bank and dropped in the night deposit box. One night...
  6. harley

    Forum Update - We're back! Ask your questions here.

    +1. I would like to know how to do this too.
  7. harley

    Long Wait Time to get Appointment with Dermatologist

    Not a dermatologist, but I just tried to make an eye doctor appointment, as my vision has significantly changed during the Covid years. I can't read street signs anymore when driving, and TV watching is getting really annoying. Not to mention I'm finally (at age 68) starting to have trouble with...
  8. harley

    Use It or Lose It Letter From Credit Card

    Past performance is not indicative or future results.
  9. harley

    Stolen License Plate

    If you do that (and I agree, it's a good idea), make sure you put a "copy" of the form in the car. You don't want anybody stealing the original.
  10. harley

    Propagate Tree Branch

    Wait. What?
  11. harley

    Baseball 2024

    Dream on. Go Dodgers!
  12. harley

    Moving reg IRA to Taxable portfolio

    I have. I've known people whose parents have worked their entire life and built a successful business, only to have the federal and state gov't take approximately half of it for estate taxes. I know the laws have changed now (and probably will again soon), but 20 or so years ago it could be...
  13. harley

    Poll: Dune Part 2

    Haven't been in a theater since well before Covid, and have no intention to go back. I really like Dune 1, and will stream the new one on our 65" 4K TV. That will be plenty for me. PS - I really liked the David Lynch version too. I acknowledge the campiness, not to mention the not quite...
  14. harley

    how much milk do you drink and what type?

    How much milk is in a pint of Ben and Jerry's? That much (once a week-ish). Plus some almond milk in my Cheerios. Occasionally.
  15. harley

    What stocks are you shopping?

    About a year ago I started noticing a large number of orange bags showing up in our mail or on our porch. I asked DW about it, and she told me it was a company called Temu, and that they were like a cut-rate Amazon. I had missed out on Amazon, despite being an early adopter of the product. I was...
  16. harley

    Would it be better to take Social Security at 62?

    When I was running FireCalc in preparation for my retirement at age 50, I was using 40 and 50 year rolling periods. Not that I got that much information, but I was just trying to see what my odds were. Even now, 17 years later, I run it with the default 30 years. Even though my health is poor...
  17. harley

    7th SWFL ER.org Get-together

    Hey ho, everyone! I'm sorry to say that we're heading back north the weekend of the 23rd, so we won't be able to make the meeting. And we're putting our house down here on the market, so I'll no longer be qualified to attend. I'll be changing my ER meetup membership to the DC area group. I hope...
  18. harley

    Simple Roth Question

    I'm not sure that this is true. I thought that you could withdraw from a Roth (or tIRA) once a year, and as long as the money was put back within 60 days there was no penalty or taxes (tIRA). I have thought about doing this a couple of times when I needed quick cash, but was able to avoid it...
  19. harley

    Watched "Some Kind of Heaven" about The Villages. Any Other Similar Videos?

    It definitely does. Our VA 55+ community doesn't allow any under 55 people, unless they're over 18 and living with the owner. Them's the rules, but enforcement is a different issue. Doesn't bother us either way. We bought the floorplan and location. I didn't even realize it was 55+ until well...
  20. harley

    Those Who don't/didn't do Roth Conversions

    You both may be in the 22% bracket, but if one of you passes before the other, the survivor could be kicked into significantly higher bracket. I don't know your pension details or tax situation, but even in your case there might be a good reason to do whatever conversion you could fit within...
  21. harley

    Poll:For Those in Retirement 10+ years

    This really would have been a more useful thread if everyone accounted for inflation in their responses. In my case, despite remaining about even, we're down when considering inflation. Which is fine, with 16 years of ER, and as Car-Guy said, spending like drunken sailors. I suspect over the...
  22. harley

    Baseball 2023

    Well, I'll agree to disagree. I'll check back in 10 years or so and see how it's worked out.
  23. harley

    Baseball 2023

    They added a 6th team to the playoffs in 2022. As far as why, when a team is perking along, kicking everyone's butt, and then is forced to take an extended break (longer than the All Star break), it ruins the momentum they've built up. Even at my personal college-level sports experience, an...
  24. harley

    What OLD series/movies are you watching? *Spoilers welcome!*

    Last night I watched one of my all time favorite Blaxploitation parody movies - Black Dynamite starring Michael Jai White. I had a few dollars on my Amazon Prime account from choosing slower shipping speeds, and it was well worth the $3.99. The Kung Fu fight scene between Black Dynamite and the...
  25. harley

    Baseball 2023

    IMHO the new playoff rules are a real mistake. We certainly don't need another Wild Card team, and having the best team have to take an extended "break" while the lesser teams play out just puts the better teams at a massive disadvantage, home field advantage or not. If they don't reverse these...
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