Miscellaneous Discussion Thread II
Quote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
Quote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
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Do you currently have health insurance? If so, when you retire, depending on the plan, you could convert that coverage to private coverage for 18 months. After 18 months you could purchase private coverage, which will be very expensive, if you are insurable, or you could go "bare." When you reach age 65, Medicare kicks in at a very low premium which will reduce your monthly expenses.
One other thing, if your home is not paid for, then it would be wise to perhaps cash in some of your investments to pay off the remainder mortgage. The monthly living expenses would plummet.
tuttigym
Quote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
Quote: tuttigymQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
Do you currently have health insurance? If so, when you retire, depending on the plan, you could convert that coverage to private coverage for 18 months. After 18 months you could purchase private coverage, which will be very expensive, if you are insurable, or you could go "bare." When you reach age 65, Medicare kicks in at a very low premium which will reduce your monthly expenses.
One other thing, if your home is not paid for, then it would be wise to perhaps cash in some of your investments to pay off the remainder mortgage. The monthly living expenses would plummet.
tuttigym
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I do have health insurance now through my company. Today it would be about $1800 a month to continue that plan because obviously my company would not be contributing.
Quote: EvenBobQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
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My mortgage payment is not that large and I could pay it off now but i keep going back and forth on that one. At 2.9% fixed interest I would rather keep my cash invested and hopefully continue to get closer to 8% on my money.
Here home insurance is very expensive and I pay close to $1000 a month for insurance and property taxes.
I've started making up food and hygiene bags with my extra money and seeking out people in need.
Quote: DRichQuote: EvenBobQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
link to original post
My mortgage payment is not that large and I could pay it off now but i keep going back and forth on that one. At 2.9% fixed interest I would rather keep my cash invested and hopefully continue to get closer to 8% on my money.
Here home insurance is very expensive and I pay close to $1000 a month for insurance and property taxes.
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If you're not going to have a mortgage in retirement what kind of a lifestyle do you have that you need a hundred grand a year? $8,000 a month is almost $100,000 a year.
My car has a push-button start as long as the fob is within a close distance. Just for kicks, I stuck the fob on my patio, got in the car, and it started. Anyone can start my car anytime I'm at home.
https://youtu.be/-3G9pyvCBcM?si=VjlAaLQwpmaTbsVQ
Quote: billryanFive cars were stolen overnight in a gated community a few miles north of me. The community has a similar setup to mine, with the cars parked in the driveway running along the house: four Hyudni's and a Kia.
My car has a push-button start as long as the fob is within a close distance. Just for kicks, I stuck the fob on my patio, got in the car, and it started. Anyone can start my car anytime I'm at home.
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Can you get one of those RFID killer boxes to stick your fob in?
Wrapping it in foil would probably work, but the foil hat jokes get a bit crazy.
Amazon: Faraday Box & 2 Pack Faraday Bag
Those fobs can have a surprising amount of range. Once they're in and started they can keep going; the car won't shut itself down when out of range. They'll just have a slightly annoying little error warning on the instrument panel as long as they don't turn off the ignition button. And I've been told the signal the fob emits can even be intercepted, stored, and reproduced in order to $@%# you in the assets later at their convenience.
These fobs can unlock your car using a button from a quarter mile away or more, they have a LOT of range. So if someone is hanging out at the mall wanting to break into your car and steal it using an antenna, they could probably do it in the time it takes you to push your shopping cart from the store to the car if you don't have an RFID pouch. If the fob is loose in my pocket, the touch lock on the door is only good for about 1 parking spot away. So just what do these repeater antennas do that these car thieves use?
The phone app for my car has been redesigned a couple times since I installed it, and now it won't even tell me the tire pressure anymore or allow me to submit car repair records and I've already seen how my local dealer repair shop fudges those records so I had to submit my own, and now they've blocked that ability. I've never tried to start the car using the phone app, but sure it can be done, somehow.
Hyundai's and Kia's are nearly uninsurable in some urban markets because of the joyriding teens stealing cars for TikTok views and mayhem. The Canadian version of those cars don't have those problems. It's a long-running manufacturing defect in US cars of those brands and some cities are suing those brands for their negligence.
I think all push button start cars should be recalled and RFID pouches issued to all owners by the car manufacturers at this point, but why wait, spend $10 and get a couple yourself.
Quote: ChumpChangeI picked up a couple Faraday key fob pouches late last year for my new key fobs. With regular use, they are expected to last only 6 months to a year, then get replacements. One of my fobs never gets used so that pouch won't have to be replaced. But the other one will have to be replaced sometime. I can check it when I have to open the hatchback with the fob in the pouch in my pocket and the hatchback won't open. I always wonder if the doors are locked after using the hatchback after previously locking the car doors, so I check the back door to see if it's still locked, because testing the front door may unlock it if the pouch is leaking a little signal.
These fobs can unlock your car using a button from a quarter mile away or more, they have a LOT of range. So if someone is hanging out at the mall wanting to break into your car and steal it using an antenna, they could probably do it in the time it takes you to push your shopping cart from the store to the car if you don't have an RFID pouch. If the fob is loose in my pocket, the touch lock on the door is only good for about 1 parking spot away. So just what do these repeater antennas do that these car thieves use?
The phone app for my car has been redesigned a couple times since I installed it, and now it won't even tell me the tire pressure anymore or allow me to submit car repair records and I've already seen how my local dealer repair shop fudges those records so I had to submit my own, and now they've blocked that ability. I've never tried to start the car using the phone app, but sure it can be done, somehow.
Hyundai's and Kia's are nearly uninsurable in some urban markets because of the joyriding teens stealing cars for TikTok views and mayhem. The Canadian version of those cars don't have those problems. It's a long-running manufacturing defect in US cars of those brands and some cities are suing those brands for their negligence.
I think all push button start cars should be recalled and RFID pouches issued to all owners by the car manufacturers at this point, but why wait, spend $10 and get a couple yourself.
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Why do the pouches lose effectiveness? And would the free bags you get for EZPass work the same I wonder?
Quote: ChumpChangeI picked up a couple Faraday key fob pouches late last year for my new key fobs. With regular use, they are expected to last only 6 months to a year, then get replacements. One of my fobs never gets used so that pouch won't have to be replaced. But the other one will have to be replaced sometime. I can check it when I have to open the hatchback with the fob in the pouch in my pocket and the hatchback won't open. I always wonder if the doors are locked after using the hatchback after previously locking the car doors, so I check the back door to see if it's still locked, because testing the front door may unlock it if the pouch is leaking a little signal.
These fobs can unlock your car using a button from a quarter mile away or more, they have a LOT of range. So if someone is hanging out at the mall wanting to break into your car and steal it using an antenna, they could probably do it in the time it takes you to push your shopping cart from the store to the car if you don't have an RFID pouch. If the fob is loose in my pocket, the touch lock on the door is only good for about 1 parking spot away. So just what do these repeater antennas do that these car thieves use?
The phone app for my car has been redesigned a couple times since I installed it, and now it won't even tell me the tire pressure anymore or allow me to submit car repair records and I've already seen how my local dealer repair shop fudges those records so I had to submit my own, and now they've blocked that ability. I've never tried to start the car using the phone app, but sure it can be done, somehow.
Hyundai's and Kia's are nearly uninsurable in some urban markets because of the joyriding teens stealing cars for TikTok views and mayhem. The Canadian version of those cars don't have those problems. It's a long-running manufacturing defect in US cars of those brands and some cities are suing those brands for their negligence.
I think all push button start cars should be recalled and RFID pouches issued to all owners by the car manufacturers at this point, but why wait, spend $10 and get a couple yourself.
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Why do the pouches lose effectiveness? And would the free bags you get for EZPass work the same I wonder?
I take the "6 month lifespan" to be a caution to regularly inspect that your security equipment is doing what you expect.
Quote: EvenBobQuote: DRichQuote: EvenBobQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
link to original post
My mortgage payment is not that large and I could pay it off now but i keep going back and forth on that one. At 2.9% fixed interest I would rather keep my cash invested and hopefully continue to get closer to 8% on my money.
Here home insurance is very expensive and I pay close to $1000 a month for insurance and property taxes.
link to original post
If you're not going to have a mortgage in retirement what kind of a lifestyle do you have that you need a hundred grand a year? $8,000 a month is almost $100,000 a year.
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I need to pay people to pick up the dog poop, mow the lawn, and clean the pool. I have no intention of doing any of those things.
Quote: DRichQuote: EvenBobQuote: DRichQuote: EvenBobQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
link to original post
My mortgage payment is not that large and I could pay it off now but i keep going back and forth on that one. At 2.9% fixed interest I would rather keep my cash invested and hopefully continue to get closer to 8% on my money.
Here home insurance is very expensive and I pay close to $1000 a month for insurance and property taxes.
link to original post
If you're not going to have a mortgage in retirement what kind of a lifestyle do you have that you need a hundred grand a year? $8,000 a month is almost $100,000 a year.
link to original post
I need to pay people to pick up the dog poop, mow the lawn, and clean the pool. I have no intention of doing any of those things.
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I don’t ‘need’ them, but I certainly use them! It’s why I worked….
Give me golf over yard work any time!
Quote: billryanDesert landscaping is the best invention since sliced beer. No mowing, no moles, no watering, no childless cat lady laying on your lawn measuring the height of individual blades of grass.
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I had desert landscaping at my last house in Vegas. I agree that it is nice to not worry about. When I moved out of Vegas I realized how much I missed seeing green, so I expect I will have a grass yard wherever I end up.
The dessert sucks big donkey balls. Luckily my place has grass and big tree's. I even built a small waterfall and pond and got some turtles and added a small garden and compost.Quote: DRichQuote: billryanDesert landscaping is the best invention since sliced beer. No mowing, no moles, no watering, no childless cat lady laying on your lawn measuring the height of individual blades of grass.
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I had desert landscaping at my last house in Vegas. I agree that it is nice to not worry about. When I moved out of Vegas I realized how much I missed seeing green, so I expect I will have a grass yard wherever I end up.
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It works for me.
Quote: billryanDesert landscaping is the best invention since sliced beer. No mowing, no moles, no watering, no childless cat lady laying on your lawn measuring the height of individual blades of grass.
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And no wasted water irrigating it. If I were a governor I would prevent HOAs from banning this and requiring lawns. Lawns are just a waste.
Quote: AxelWolfThe dessert sucks big donkey balls. Luckily my place has grass and big tree's. I even built a small waterfall and pond and got some turtles and added a small garden and compost.
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You have donkey balls for dessert and they suck? Sounds like a personal problem..
Quote: SOOPOOQuote: DRichQuote: EvenBobQuote: DRichQuote: EvenBobQuote: DRichQuote: billryan
And you wonder why you can't retire at 62??????????
I have every expectation to retire by age 62 if I am still alive. I would likely retire earlier if I had a good plan for health insurance. I am counting on my SS check to be around $2500 and hopefully that will cover the majority of the insurance cost. I could likely retire now if I had that extra $2500 a month in income. I figure today I would require about $8000 a month take home to retire today.
link to original post
To need that big a nut to retire on you must have a huge house payment. Smartest thing I ever did was paid off this house back in the 80s so all I have is property tax which is just a few hundred a month. I was already planning my retirement when I was in my late 30s.
link to original post
My mortgage payment is not that large and I could pay it off now but i keep going back and forth on that one. At 2.9% fixed interest I would rather keep my cash invested and hopefully continue to get closer to 8% on my money.
Here home insurance is very expensive and I pay close to $1000 a month for insurance and property taxes.
link to original post
If you're not going to have a mortgage in retirement what kind of a lifestyle do you have that you need a hundred grand a year? $8,000 a month is almost $100,000 a year.
link to original post
I need to pay people to pick up the dog poop, mow the lawn, and clean the pool. I have no intention of doing any of those things.
link to original post
I don’t ‘need’ them, but I certainly use them! It’s why I worked….
Give me golf over yard work any time!
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So, we need a golf game where you mow your way to the green.
Quote: rxwineQuote: SOOPOO
I don’t ‘need’ them, but I certainly use them! It’s why I worked….
Give me golf over yard work any time!
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So, we need a golf game where you mow your way to the green.
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Thankfully the greens fee includes someone else doing the mowing.
Quote: TigerWuGolf courses -- talk about wasting water.
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We don't have a water problem, 70% of the planet is water.
Judge refuses to grant bail to Sean ‘Diddy’ Combs, orders him sent to jail while he awaits sex trafficking trial
Federal prosecutors claimed they seized more than 1,000 bottles of baby oil and other lubricants from Combs' homes that were used in these sex acts. 🤩😂
We boated by P Diddy's Star Island home while in Miami this summer, it is one of the few protected by trees and bushes and not visible directly from the water.
Quote: DRichQuote: TigerWuGolf courses -- talk about wasting water.
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We don't have a water problem, 70% of the planet is water.
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Way more than 70%, that's only surface water. They are discovering vast oceans hidden in the Earth's crust that we had no idea were there.
Quote: billryanThousands are injured as beepers explode all over Lebanon. Early reports the malfunctioning beepers were supplied by a new company trying to get contracts with various groups in the capital. I'm surprised that many people still had beepers.
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They weren't "malfunctioning." They were purposely rigged with explosives. It was a targeted attack against Hezbollah, likely by Israel.
"Neil Papworth who sent the world's first text message on 3 December 1992. One year later in 1993, Nokia introduced an SMS feature with a distinctive 'beep' to signal an incoming message. At first, text messages had a 160-character limit."
It's 2019. Time to buy a pager!
Why doctors still use pagers (it's not what you thought)
I saw a few comments at a Sky News video clip that mentioned it was a BMS (Battery Management System) hack that caused the battery to explode. A double AA battery can kill you now? Don't throw into fire or flame?
France 24: Pagers likely booby-trapped with explosive charge during delivery, cyber-security expert says
Link: https://www.youtube.com/watch?v=Zueb5F60CvU
One commenter mentioned Semtex, another had a Star Wars reference to Order 66.
Quote: ChumpChangeIf you're still using pay phones instead of cell towers, I guess pagers are the communication device of choice by terrorists. I never had a pager so I don't quite know what they do, but gang-bangers of the '90's would be using them all the time. I guess this is before SMS texting. What, a phone number pops up and you call back? Those exploding pagers all got called by the same number, and it all leads back to Motorola pagers, so a boycott may be forming. People are starting to wonder if our smart phones have the same security flaw now. Never heard of exploding pagers before, what else is there? Our TV's will explode instead of giving us an Emergency Alert next time?
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Our cellphones do have the same security flaw. Our cell phones are always pinging cell towers, and triangulation allow the phone company or the govt to be able to pinpoint location within a few feet. Furthermore, the GPS chips in our phones allow the govt to track our phones using, well, GPS. And here is the tricky part-the cell phone is always pinging the towers and always sending an receiving GPS data even when turned off. The only way to prevent it is to remove the battery or use a Faraday bag.
Quote: MDawgPagers are still used by doctors who work in hospitals, because the cell reception is so poor in there. Perhaps it is the same in Lebanon, notwithstanding other reasons.
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My understanding is they were using pagers because they new Israel was listening in on their cell phone calls.
Quote: ChumpChangeIf you're still using pay phones instead of cell towers, I guess pagers are the communication device of choice by terrorists. I never had a pager so I don't quite know what they do, but gang-bangers of the '90's would be using them all the time. I guess this is before SMS texting. What, a phone number pops up and you call back? Those exploding pagers all got called by the same number, and it all leads back to Motorola pagers, so a boycott may be forming. People are starting to wonder if our smart phones have the same security flaw now. Never heard of exploding pagers before, what else is there? Our TV's will explode instead of giving us an Emergency Alert next time?
"Neil Papworth who sent the world's first text message on 3 December 1992. One year later in 1993, Nokia introduced an SMS feature with a distinctive 'beep' to signal an incoming message. At first, text messages had a 160-character limit."
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Pagers have a stupidly long battery life compared to cell phones.
I think my old pager was good for about a month on a single AA battery.
And yes, the most common message I got on a pager was a telephone number to call. You could pay extra for inbound text messages, but $5/month for callback numbers was a pretty popular plan.
The pagers that floated around the tech support on-call rotation were text capable, and messages like "(servername) (software) is unresponsive at (time) (date)" and "(servername) (software) has returned online at (time+6 seconds) (date)" were pretty common.
edit: I guess I missed some context here. I'm currently a day or two behind on my news ingestion.
Quote: Dieter
And yes, the most common message I got on a pager was a telephone number to call. You could pay extra for inbound text messages, but $5/month for callback numbers was a pretty popular plan.
The ability to type a message was amazing in 1995. We had them for our techs and it was a total WOW. I looked at 2-way typing but that was stupid expensive. I did not even get that for myself and I was the boss. I had people doing "side jobs" who got POed when I locked them into only being able to call from our office.
At least until the hellfire rocket arrives.
Quote: rxwineYou can talk to a cell phone a few feet away. So, just need a blast suit. So, all good.
At least until the hellfire rocket arrives.
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A rocket is usually unguided, sort of a point-and-shoot weapon. The hellfire is a guided missile. All missiles are rockets, but most rockets aren't missiles, if that makes sense.
Walkie talkies killed 14 and injured 450.
The pagers were made in Hungary under license from a Taiwanese company named Gold Apollo.
Wild stuff.
Quote: TigerWuPager explosions killed 12 and injured 2800.
Walkie talkies killed 14 and injured 450.
The pagers were made in Hungary under license from a Taiwanese company named Gold Apollo.
Wild stuff.
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Apple should start installing this on iPhones for people behind on their bill......
Quote: AZDuffmanQuote: Dieter
And yes, the most common message I got on a pager was a telephone number to call. You could pay extra for inbound text messages, but $5/month for callback numbers was a pretty popular plan.
The ability to type a message was amazing in 1995. We had them for our techs and it was a total WOW. I looked at 2-way typing but that was stupid expensive. I did not even get that for myself and I was the boss. I had people doing "side jobs" who got POed when I locked them into only being able to call from our office.
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I think it was around 1993 when I was seeing a surge in popularity of the text pagers.
The "killer app" at the time was a news service subscription. All the stall vendors in the marketplace at seemed to have a new "big screen" pager, and they all seemed to pop a new headline or stock update about every 20 minutes, about a third of which led to grabbing a cell phone (NOT text capable) and calling someone to do a transaction.
Quote: TigerWuPager explosions killed 12 and injured 2800.
Walkie talkies killed 14 and injured 450.
The pagers were made in Hungary under license from a Taiwanese company named Gold Apollo.
Wild stuff.
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Any leftover duds will probably end up on Temu
(At least that’s where I go if I want a chance at a cheap defective product)
Quote: rxwine
Any leftover duds will probably end up on Temu
(At least that’s where I go if I want a chance at a cheap defective product)
As far as I know I have not bought anything from Temu and I appreciate cheap junk.
I was just asking my wife if she knew or ever ordered from Temu. I have seen some interesting cheap stuff on there, but I was wondering what the catch was, I was thinking they get you on the shipping. I'm talking about motorized stuff and bigger ticket items like 4-wheelers.Quote: DRichQuote: rxwine
Any leftover duds will probably end up on Temu
(At least that’s where I go if I want a chance at a cheap defective product)
As far as I know I have not bought anything from Temu and I appreciate cheap junk.
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