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by CarlZ993
Sun Mar 08, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: Choosing between learning a language/learning martial art
Replies: 20
Views: 1090

Re: Choosing between learning a language/learning martial ar

Even if you become fluent in Korean, you'll never win an argument w/ your MIL. If you become proficient in Martial Arts... :) Seriously, Martial Arts is fun & challenging. Lots of different styles. Even some big differences within a style sometimes. For example, my training was in Taekwondo &...
by CarlZ993
Sat Feb 28, 2015 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy service time for retirement?
Replies: 7
Views: 1150

Re: Should I buy service time for retirement?

So in three years, I will have the option to buy 3 years of service credits. This would essentially allow me to retire ten years from now after putting in 17 years as a Police Officer and get credit for 20 years of service. Our pension system works with a 2.8% multiplier, so I would be getting 8.4%...
by CarlZ993
Wed Feb 25, 2015 8:47 pm
Forum: Personal Consumer Issues
Topic: Cell Phone in Canada
Replies: 5
Views: 553

Re: Cell Phone in Canada

Thanks for the info.
by CarlZ993
Mon Feb 23, 2015 10:54 pm
Forum: Personal Consumer Issues
Topic: Cell Phone in Canada
Replies: 5
Views: 553

Cell Phone in Canada

My wife & I are planning to drive to Alaska this summer. As I understand it, our Straight Talk phones will be useless in Canada. Any suggestions for a cheap, just in case of an emergency-type phone & service in Canada?

Thanks in advance for the suggestions.
by CarlZ993
Sat Feb 21, 2015 10:28 pm
Forum: Personal Consumer Issues
Topic: CarsDirect didn't lead to dealers responding with prices
Replies: 63
Views: 5302

Re: CarsDirect didn't lead to dealers responding with prices

My last new vehicle purchase was done with the help of FightingChance.com. This was Oct 2008. No one was buying cars. The dealers were hurting. Basically, FC sends you a packet on the car you wish to buy (Honda Civic for me). I test drove the vehicle & decided what I wanted at my local dealershi...
by CarlZ993
Sat Feb 21, 2015 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2 comma club (my way)!!
Replies: 49
Views: 8150

Re: 2 comma club (my way)!!

Congrats! Great club to be in.
by CarlZ993
Sat Feb 21, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Going to Austin, TX in March. What should we be doing?
Replies: 24
Views: 1534

Re: Going to Austin, TX in March. What should we be doing?

The Rodeo is also going on during March. Lot of things happening in March. Hope you got your rooms reserved (or staying w/ friends or family). 6th St, Warehouse District, the Broken Spoke (authentic Texas Honky-tonk), etc. Lots of entertainment stuff to do. Lots of BBQ options too. Too many for me t...
by CarlZ993
Sat Feb 21, 2015 1:32 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 7311

Re: Preparing for 2 months incommunicado

Addendum on logging onto my Visa account: I'd use my smart phone to log onto my Visa account, not a public computer. I wouldn't use WiFi, either. Only when I had 3G service.
by CarlZ993
Sat Feb 21, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 7311

Re: Preparing for 2 months incommunicado

For my bills, I had everything set on auto-pay. Did you autopay full amounts due or some estimated minimums? In the case of a significant credit card fraud undetected for two months, the former may deplete your checking account and the latter may result in underpaying even minimum amounts due and t...
by CarlZ993
Thu Feb 19, 2015 10:08 pm
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 7311

Re: Preparing for 2 months incommunicado

The no-electronics rule is final. Here is the rationale: 1. Electronics are extra weight: not just the weight of the devices but also the accessories. 2. Electronics are something to worry about. I will be sleeping in dorms with 20 to 50 strangers of all sexes and nationalities. Occasionally, I wil...
by CarlZ993
Thu Feb 19, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 100
Views: 7617

Re: Choosing a Backpack and other Gear for el Camino

I didn't read all the posts. I'll give you my $0.02 worth of advice on backpacks. My wife uses an Osprey Aura 50L pack (male model is the Atmos) & loves it. Not too big, lots of organizational pockets, etc. Osprey is coming out with a new version of that pack. Lots of new features to it. Looks r...
by CarlZ993
Wed Jan 14, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Finally joined the two comma club
Replies: 42
Views: 6356

Re: Finally joined the two comma club

Congrats!!!

I joined the club two years ago this month. At some point, I'll loosen up the purse-strings & start spending some of my grand children's inheritance.
by CarlZ993
Thu Jan 08, 2015 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5503

Re: Best online checking account

I also like Capital One 360 checking. Been using it for years as a secondary checking account (local credit union is the primary). I also have an Ally checking account. I can't recall using it at all since I opened it. Dead money just sitting there. I should know better. :)
by CarlZ993
Mon Sep 15, 2014 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Should I purchase retirement home with in-laws?
Replies: 18
Views: 1363

Re: Should I purchase retirement home with in-laws?

I wouldn't in your shoes. The limited amount of time you'd spend there yearly wouldn't justify the cost. You can rent someplace really nice for 1/2 the mortgage yearly. What happens if you & your spouse get divorced while buying the retirement house that you only partially own? That could get me...
by CarlZ993
Wed Sep 03, 2014 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: NFCU 1 year certificate (CD) 5% APY $5k max balance
Replies: 28
Views: 3669

Re: NFCU 1 year certificate (CD) 5% APY $5k max balance

Downtown wrote:Just submitted application x2 (for DW and me). That was a no-brainer. Thanks for posting this info!

Ditto. Great deal.
by CarlZ993
Thu May 08, 2014 3:43 pm
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1475

Re: eBook Readers and EPUB files?

Another satisfied Kindle owner (wife has the new Paperwhite & I the older version). All the books allow you to 'pick your format' @ my local library. 5 books max with a 2-week holding period. On extended trips, we'll load up 5 books & turn off the wi-fi. The books will remain on the Kindle e...
by CarlZ993
Mon May 05, 2014 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Car Advice
Replies: 32
Views: 3096

Re: Car Advice

I've used http://www.fightingchance.com on multiple new car purchases over the years. It has saved me thousands of dollars on my purchases. This works when you purchase a specific make & model vehicle (ex. - Honda Civic 4-dr DX w/ automatic transmission). Pros: You create a bidding process betwe...
by CarlZ993
Tue Feb 04, 2014 5:17 pm
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2982

Re: How to buy a new car?

Get quotes online from competing dealerships. Usually this gets you to their "Internet sales" department and they'll give you an actual quote on their out the door price. Ask the second lowest dealer if they'll beat your lowest quote (tell them which dealership) and make it clear you are ...
by CarlZ993
Sat Nov 16, 2013 12:59 pm
Forum: Personal Consumer Issues
Topic: Moving to Dallas, TX
Replies: 76
Views: 5663

Re: Moving to Dallas, TX

What about Austin? I've heard it blows Dallas and Houston away. Don't move to Austin. Let's see... Zombies live there; they drive on the wrong side of the road; no institutions of higher learning; zero bars/restaurants/nightclubs/music scene; no place to get any exercise; no festivals or special ev...
by CarlZ993
Mon Nov 11, 2013 11:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1168

Re: A thank-you to veterans

As a vet, thanks. To those currently serving, God bless you, be safe, & thank you for your service. Granddaughter = Current Marine Step-sons = US Army Me - US Army Brother = USN Dad = USAF (Korean War) Uncles = Multiple US Army WW-II vets Grandfather = US Army WW-1 era vet (didn't ship overseas ...
by CarlZ993
Sat Sep 28, 2013 6:31 pm
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 9730

Re: How did you/your child pay for college?

Me = GI Bill, some savings of my Army pay, & part-time work. No debt but no money left either after getting my degree. Step-sons = No college paid by me or their mother. They both screwed around in HS so much that college wasn't a viable option for them. They went into the Army right out of HS. ...
by CarlZ993
Sun Sep 22, 2013 3:23 pm
Forum: Personal Consumer Issues
Topic: Self defense for student
Replies: 33
Views: 1636

Re: Self defense for student

Does anyone here provide self defense kit to male kids who are going to college? My nephew who lives alone off campus was a victim of burglary. They stole his bike right in front of his house that was by his front door with a ulock but not locked to a pole. The ulock was just used between the frame...
by CarlZ993
Tue Sep 17, 2013 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: I've Reached 25% Savings Rate!
Replies: 8
Views: 1386

Re: I've Reached 25% Savings Rate!

Congrats! Having both of you on the same sheet of music will make things much more harmonious. :)
by CarlZ993
Sun Sep 15, 2013 1:36 pm
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3985

Re: Help me save on my $130 cell phone bill

Depending on which phone you buy from Straight Talk, you'll have Verizon, AT&T, T-Mobile, or Sprint carriers. I was able to see the difference of a pre-paid Verizon coverage vs. a contract Verizon coverage on my recently completed Appalachian Trail hike. My hiking buddy had a contract Verizon ph...
by CarlZ993
Sat Sep 14, 2013 7:57 pm
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3985

Re: Help me save on my $130 cell phone bill

So am I correct in understanding that we could buy an iphone used on ebay, etc. and then get straight talk for $45 plus fees and use it basically the same as an iphone with Verizon or Sprint? Is Straight Talk merely only at Walmart is or it part of Walmart? Having not been in a Walmart in 11 years ...
by CarlZ993
Tue Feb 26, 2013 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Question
Replies: 3
Views: 279

Spousal Social Security Question

I read the Wiki about the issue but I can't seem to figure out the Spousal Social Security eligibility. Ex.: Oldest spouse is FRA & is drawing SS. Oldest spouse also has lower SS benefits. Younger spouse is 58 and has the higher SS benefits. Both are not working and drawing pensions. When can th...
by CarlZ993
Sat Feb 09, 2013 9:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 2026

Re: Scott Burns at Austin Bogleheads

Enjoyed the meeting. Thanks for setting it up. Scott Burns was quite informative.
by CarlZ993
Fri Feb 08, 2013 10:24 pm
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 36518

Re: What's your usual retirement day like ?

I try to cram one day's worth of 'stuff' into a week. I sometimes achieve it. Actually, I have a pretty set routine for the most part. Lots of working out (gym = 2 X week; running = 5 X week). Involved with a Boy Scouts Venture Crew (co-ed group of youth 14 - 20 yrs of age; meetings, campouts, backp...
by CarlZ993
Wed Feb 06, 2013 3:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 2026

Re: Scott Burns at Austin Bogleheads

That's great. First Rick Ferri. Now Scott Burns. Next, we'll get Taylor or Mel to visit. And eventually, Jack. :)
by CarlZ993
Mon Feb 04, 2013 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 5829

Re: What's a better term for 'retired'?

An Adventurer and Gentleman of Leisure.
by CarlZ993
Fri Jan 25, 2013 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

What's interesting about this is that Carl hit the $1M mark AFTER he retired. Many retirees worry about spending down their assets so this is somewhat refreshing... Almost 7 years after I retired. I'm fortunate that both of us have pensions. If we didn't have pensions, we'd obviously be making some...
by CarlZ993
Thu Jan 24, 2013 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

I remember those days! When we got married, my folks gave us a check for $1,000. We were so happy to have a comma. I was a starving Grad student at the time who worked part-time and had some GI Bill money coming in. Wow, you were rolling in dough! We got $100 from my mother and $100 from her parent...
by CarlZ993
Thu Jan 24, 2013 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Any mistakes ?

Could you give a bit more story on how you reached it? Like when did you start saving, average returns, asset allocation? And tell us about your mistakes along the way. We often learn more from our mistakes than our successes. Thank you and best wishes. Taylor I guess the main mistake I made early ...
by CarlZ993
Thu Jan 24, 2013 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

VictoriaF wrote:Does collecting commas fall under:
- That Frugal Thing You Do ? or
- That Extravagant Thing You Do(*) ?

Victoria

(*) Extravagant as in the 3rd, 4th, etc., commas.

Frugal, for the most part. We do eat out a lot, though. Something we enjoy.
by CarlZ993
Thu Jan 24, 2013 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

This topic always makes me recall my wife and my days in the no-comma club, and then the intervening 30 years to get to the two comma club. Keeps things in perspective, and helps stay the course. I remember those days! When we got married, my folks gave us a check for $1,000. We were so happy to ha...
by CarlZ993
Thu Jan 24, 2013 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

Congratulations, that is a great accomplishment! Would you be willing to share more details of how you got there? For example, at what age did you start? How long did it take? Did you get any windfalls, like an inheritance or gifts? I starting saving in earnest in 83. Each time I got a pay raise or...
by CarlZ993
Thu Jan 24, 2013 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

JPH wrote:Congratulations on this major milestone. Not many have the discipline to stay the course the way you have done. You didn't inherit it, did you? :beer

No major inheritances.
by CarlZ993
Thu Jan 24, 2013 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

Congratulations!!! You have every right to be proud. Although I'm not in the 2 comma club YET. I paid off my mortgage this year and the emotional satisfaction of hitting these goals are worth all the delayed gratification in the world. I will definitely post when I hit the 2 comma club. The only th...
by CarlZ993
Thu Jan 24, 2013 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

Don't get too excited about such short-term accomplishments as they can go away just as quickly. Oh, come on! It's a great accomplishment, regardless of whether tomorrow's market takes him slighly below his current level. Reaching 7 figures is a huge milestone for anyone who works for a living. Con...
by CarlZ993
Thu Jan 24, 2013 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

Re: 2 Comma Club by CarlZ993 ┬╗ Fri Sep 07, 2012 12:26 pm Congrats! Feels great, doesn't it? http://www.bogleheads.org/forum/viewtopic.php?f=2&t=102330&p=1483258#p1483258 Can I ask, been there before or just knew what it feels like in advance? Regardless, congrats! I haven't been there befor...
by CarlZ993
Thu Jan 24, 2013 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

Congradulations! :beer Just curious...everyone counts it differently. Some people count home equity, some do not. Some count traditional 401K and traditional Roth, while others discount it for future tax liabilities. Some count 529, some not.... you get the idea. What did you use as your base? I us...
by CarlZ993
Thu Jan 24, 2013 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Our home that Jack built.

Carl: Thanks to all the learned posters & authors on this forum. And we mustn't overlook our mentor, Jack Bogle, for whom this forum is named. Pat and I frequently say: "We live in our home that Jack built. " Best wishes Taylor Thanks Taylor. I won't. I think I've got every book he wr...
by CarlZ993
Thu Jan 24, 2013 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Re: Two Comma Club

NAVigator wrote:Congratulations!

After your steak dinner, consider opening a bottle of Bogle wine and raising a toast to the person who motivated this forum.

Jerry

Our Bogle wine comes in a cardboard box. Does that count? :happy
by CarlZ993
Wed Jan 23, 2013 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 26400

Two Comma Club

At end of market day 1/23/2013, I joined the 'Two Comma Club.' One million dollars. Wow! I was always a saver. I didn't always know exactly what I was doing. But, I kept saving. I learned so much from this forum. It helped me 'Stay the Course' through it all. Thanks to all the learned posters & ...
by CarlZ993
Mon Jan 21, 2013 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: How to stop friends/family from jumping in/out of the mkt?
Replies: 58
Views: 2648

Re: How to stop friends/family from jumping in/out of the mk

You don't. You can give advice if you wish. Wise men don't need it... and fools won't heed it.
by CarlZ993
Thu Dec 13, 2012 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Austin, TX
Replies: 24
Views: 2341

Re: Austin, TX

Don't overlook San Antonio, home of the Air Force Cyber Command (Lackland, AFB). It's another low-cost, lay back tech savvy city with lots to offer and explosive growth. Rick Ferri And then there's Medina, out there in the "real" Texas hill country. Lucky you, Rick. And the famous Apple S...
by CarlZ993
Thu Dec 13, 2012 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Austin, TX
Replies: 24
Views: 2341

Re: Austin, TX

I've lived in Austin since 1980. I worked for the PD here until my retirement a few years back. So, I've seen the worst Austin has to offer. That being said, I think Austin is a pretty neat place. Lots of outdoor activities available (if you can tolerate the heat) - running, biking, swimming, boatin...
by CarlZ993
Wed Dec 12, 2012 8:01 pm
Forum: Personal Consumer Issues
Topic: List of places that give Senior Discounts
Replies: 25
Views: 3766

Re: List of places that give Senior Discounts

MISCELLANEOUS:
Great Clips: $3 off hair cuts (60+)
Super Cuts: $2 off haircuts (60+)

Won't quite get the discount just yet. If they charged by the volume of hair, I would. :D
by CarlZ993
Sun Oct 14, 2012 10:12 am
Forum: Personal Consumer Issues
Topic: Trips of a Lifetime
Replies: 60
Views: 6344

Re: Trips of a Lifetime

Been to Torres del Paine & Ayers Rock (now called by its Aboriginal name of Uluru). Less language problems in Australia,tho. :happy
by CarlZ993
Mon Oct 08, 2012 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Mike Piper's "Social Security Made Simple"
Replies: 51
Views: 5738

Re: Piper's "Social Security Made Simple" Free Until Friday

Zapped it over to my Kindle. Sweet!

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