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  1. audreyh1

    America Has Never Had So Many 65-Year-Olds - article

    America Has Never Had So Many 65-Year-Olds. They’re Redefining the Milestone. https://www.wsj.com/health/america-has-never-had-so-many-65-year-olds-theyre-redefining-the-milestone-4383e769 4.1 million Americans are turning 65 this year, the highest ever. This is rather interesting, because I’m...
  2. audreyh1

    Driving a Rental Car in Normandy.

    So I have been working hard on our early summer Europe trip, and have been switching around the plans a bit to where I think we’re going to spend about 10 days in Normandy near the coast. I plan to visit Rouen, Honfleur and Bayeux. So researching all the stuff it became clear to me that we...
  3. audreyh1

    Treasury Bills, Notes, and Bonds Discussion 2024+

    New year, so time for a new thread! The previous one is over 2500 posts. You can see the upcoming auctions and most recent treasury auction results here: https://www.treasurydirect.gov/auctions/upcoming/ Link back to the prior thread...
  4. audreyh1

    2024 Travel Plans

    I already have reservations for a long April road trip out to Sedona and Grand Canyon NP. 2024 Road Trips thread:https://www.early-retirement.org/forums/f46/road-trips-2024-a-119449.html I’m trying to gear up for all the detailed planning on a month+ Europe trip in June - Munich, Vienna...
  5. audreyh1

    Medicare and Colonoscopy: some surprises.

    DH and I have been down a bit of a rabbit hole trying to understand the Medicare billing for a screening colonoscopy DH had early in the year. We would perhaps have never even noticed except that DH visited an Ophthalmologist late in the year and we were shocked that he hadn’t already met his...
  6. audreyh1

    RIP Charlie Munger of Berkshire-Hathaway

    CNBC: Charlie Munger, investing genius and Warren Buffett's right-hand man, dies at age 99 https://www.cnbc.com/2023/11/28/charlie-munger-investing-sage-and-warren-buffetts-confidant-dies.html
  7. audreyh1

    Check your international debit card dates!

    Was really scrambling yesterday and today. I just happened to pull out the debit cards we use internationally last night and got a couple of nasty surprises. Both Schwab debit cards had expired earlier this year. No notice so didn't realize. One of the Fidelity debit cards is fine, but DH's...
  8. audreyh1

    Road Trips 2024

    Had to plan and book this one well in advance because we are staying several nights in Grand Canyon NP on the south rim next April. Never seen it except from the air. Before that we’ll spend almost a week in Sedona. Never been there either. Planning to drive a big loop via West Texas - a short...
  9. audreyh1

    Current Covid Booster - September 2023

    New vaccines approved and should be available later this month: https://www.reuters.com/business/healthcare-pharmaceuticals/us-fda-authorizes-updated-covid-vaccines-2023-09-11/
  10. audreyh1

    Apple Card - 5% cash back on restaurants through Sept 20.

    Apple Card - 5% cash back on restaurants and travel through Sept 20. DH got a text yesterday about this promotion and promptly signed up. We’re currently traveling so this is very timely. I think the Apple Card thread is buried somewhere but didn’t have time to find it. It’s not recent that’s...
  11. audreyh1

    Cologne, Brussels and Ghent

    Just a few cities to visit this fall before joining family in Amsterdam. Cologne I’ve got pretty well scoped out. It’s been on the list for a long while. Ghent will be a day trip from Brussels to see a couple of things. Brussels itself I haven’t really decided much but we don’t have that much...
  12. audreyh1

    Amsterdam/NL Contactless Metro and Trains

    Has anyone tried the very new contactless payment system for metro and/or trains in Netherlands? The app is called OVpay and you are supposedly able to use ApplePay using your phone or watch as one of the payment methods. This replaces the old OV-chipkaart that we used to use. They only started...
  13. audreyh1

    AMEX Premium Car Rental Protection

    I finally signed up for the AMEX Premium Car Rental Protection because we decided to rent a Tesla, and my Chase card which offers primary protection for car rental explicitly excludes the Tesla brand along with several other “luxury” brands/models. AMEX bases their primary car rental coverage on...
  14. audreyh1

    Road Trips 2023

    (‘Cause why not?) Recent quick trip to Corpus Christi we finally got to explore the aircraft carrier USS Lexington which is now a museum docked there. Imagine our surprise when we discovered the F-14 used in the movie Top Gun parked on the flight deck. The pilot and RIO names are painted below...
  15. audreyh1

    Big Tech Layoffs ahead of Recession

    I remember J Powell mentioning in his last press conference that the large tech layoffs were their own unique situation and didn’t necessarily reflect the larger economy where the labor market was extremely tight and companies were unwilling to let go of workers that where hard to hire in the...
  16. audreyh1

    2023 Investment Performance Thread

    I’m just excited because my retirement portfolio is up 1.6% this first short week! :dance: (hopefully I didn’t just jinx the year)
  17. audreyh1

    Grand Jury Summons

    I appeared for a Grand Jury Summons this week. I was pretty worried about it over the holidays because I knew it could be a long commitment, and DH has a medical procedure scheduled early Feb and I was in the middle of getting estate taxes pulled together due this week, plus the county...
  18. audreyh1

    Blow that Dough 2023

    It’s a New Year for blowing that dough! Have at it.:laugh: Link to 2022 version: https://www.early-retirement.org/forums/f29/blow-that-dough-2022-a-112378.html
  19. audreyh1

    Apple Music

    My car got updated with latest software and now has the native Apple Music player built in. So excited!:dance::dance: I’ve really been using Apple Music heavily for the past year. Their personalized “stations” are very very good and updated every week. I’ve started using them a lot. It’s so...
  20. audreyh1

    Transition to Social Security Check paying Medicare Premiums

    I know this has been discussed in general at some point, but I’m not sure the specifics of which month Medicare premiums are covered by your SS payment. Social Security pays in arrears - say you start SS payments in March, you’ll get your first check in April. And you also have a Medicare...
  21. audreyh1

    Elizabeth Holmes (Theranos fraud) sentenced today.

    Elizabeth Holmes was sentenced to 11.25 years in Federal prison today for her role in the Theranos fraud. https://apple.news/Ahr207vLWQqawVIVI3UHvlw The whole process was really drawn out due to the Covid pandemic. The Hulu original series about Elizabeth Holmes called “The Dropout” was very...
  22. audreyh1

    Cheese!!!

    Contribute your favorite cheeses and new discoveries here. We just opened the small wheel of P’tit Basque we bought a couple of weeks ago at Costco. It’s 100% sheep’s milk cheese from the Pyrenees. Aged 70 days, so somewhat young, semi-firm texture. I give it two thumbs up...
  23. audreyh1

    T-Mobile Starlink deal

    Interesting deal between T-Mobile and Starlink will allow T-Mobile users to access the Starlink satellites in remote areas for cell coverage https://www.reuters.com/business/media-telecom/elon-musks-spacex-t-mobile-us-plan-boost-cellular-coverage-space-2022-08-26/ DH heard from the announcement...
  24. audreyh1

    My Job as an Estate Executor is almost over!!!

    I’m still kind of in shock. I’ve been executor of DF’s estate for over two year now. I also managed DF’s property and finances since late 2016 when he moved to assisted living. For the estate everything was set up automatically pay on death etc., except that it also contained a substantial...
  25. audreyh1

    Wine shopping at Costco

    Costco is the largest retailer of wine in the US and huge internationally*. They’ve had an amazing wine buying team. Without Costco we’d be stuck in the boonies as no other retailer here comes close to their variety and quality plus value, and for us ordering wine is a pain and limited to the...
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