Search found 166 matches

Return to advanced search

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
Thu May 08, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: eBook Readers and EPUB files?
Replies: 22
Views: 1327

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
Mon May 05, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Advice
Replies: 32
Views: 2960

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
Tue Feb 04, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: How to buy a new car?
Replies: 29
Views: 2690

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
Sat Nov 16, 2013 1:59 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Dallas, TX
Replies: 76
Views: 5488

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
Tue Nov 12, 2013 12:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1138

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
Sat Sep 28, 2013 7:31 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8910

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
Sun Sep 22, 2013 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Self defense for student
Replies: 33
Views: 1598

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
Tue Sep 17, 2013 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: I've Reached 25% Savings Rate!
Replies: 8
Views: 1363

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
Sun Sep 15, 2013 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3779

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
Sat Sep 14, 2013 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Help me save on my $130 cell phone bill
Replies: 34
Views: 3779

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
Tue Feb 26, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Question
Replies: 3
Views: 260

Re: Scott Burns at Austin Bogleheads

Enjoyed the meeting. Thanks for setting it up. Scott Burns was quite informative.
by CarlZ993
Sat Feb 09, 2013 10:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 1959

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
Fri Feb 08, 2013 11:24 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35598

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
Wed Feb 06, 2013 4:26 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Scott Burns at Austin Bogleheads
Replies: 12
Views: 1959

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

An Adventurer and Gentleman of Leisure.
by CarlZ993
Mon Feb 04, 2013 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 4796

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
Fri Jan 25, 2013 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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
Thu Jan 24, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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
Wed Jan 23, 2013 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 192
Views: 23827

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
Mon Jan 21, 2013 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stop friends/family from jumping in/out of the mkt?
Replies: 58
Views: 2619

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 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Austin, TX
Replies: 24
Views: 2274

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
Thu Dec 13, 2012 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Austin, TX
Replies: 24
Views: 2274

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
Wed Dec 12, 2012 9:01 pm
 
Forum: Personal Consumer Issues
Topic: List of places that give Senior Discounts
Replies: 25
Views: 3514

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
Sun Oct 14, 2012 11:12 am
 
Forum: Personal Consumer Issues
Topic: Trips of a Lifetime
Replies: 60
Views: 6128

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

Zapped it over to my Kindle. Sweet!
by CarlZ993
Mon Oct 08, 2012 11:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mike Piper's "Social Security Made Simple"
Replies: 51
Views: 5594

Re: Cell phones breaking budgets!

Pre-paid cells phones for us. We use different carriers so one of us will probably have coverage while travelling. Fortunately, we don't use our phones very much. Otherwise, we'd have switch to something else (Straight Talk? Virgin Mobile?). Wife's TracFone = $80/yr. My T-Mobile phone = $100/yr. Eve...
by CarlZ993
Thu Sep 27, 2012 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: Cell phones breaking budgets!
Replies: 106
Views: 10021

Re: Any New Zealand tips?

I was there last year for 6 weeks. Landed in Christchurch in Feb and spent a few days there. Left Christchurch a few days before the earthquake. Lucky there. There were people killed all around where we stayed and visited. We rented a Honda Odyssey van and shared it w/ another couple. Didn't get the...
by CarlZ993
Wed Sep 26, 2012 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Any New Zealand tips?
Replies: 23
Views: 1552

Re: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep

With my granddaughter in the Marine Corp, I was able to join and fund the CD late Saturday night. Thanks for bringing this to my attention. I can't believe that I (and almost everyone else) got excited about a 4% CD. Just a sign of how low savings and CD rates are these days. I was in the Marine Co...
by CarlZ993
Tue Sep 25, 2012 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep 23
Replies: 30
Views: 3585

Re: Will you get an iPhone 5?

I voted 'No.' But, there needs to be another choice in the voting: I want one but I'm too cheap to get one. :happy

I'll guess I have to make do w/ my dumb T-Mobile pre-paid phone that I pay $100/yr for 1000 minutes (still have minutes left over at the end of the year).
by CarlZ993
Mon Sep 24, 2012 11:45 am
 
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 5625

Re: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep

With my granddaughter in the Marine Corp, I was able to join and fund the CD late Saturday night. Thanks for bringing this to my attention. I can't believe that I (and almost everyone else) got excited about a 4% CD. Just a sign of how low savings and CD rates are these days.
by CarlZ993
Mon Sep 24, 2012 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal - 1 Year 4% CD (Up to $4K) Offer until Sep 23
Replies: 30
Views: 3585

Re: Did you retire before normal retirement age?

#3. DW and I both have pensions from our careers in Law Enforcement. No debt when we retired and a cash flow sufficient to still allow additional savings while maintaining our lifestyle. Life is good! :D
by CarlZ993
Mon Sep 17, 2012 11:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 46
Views: 3727

Re: 2 Comma Club

Congrats! Feels great, doesn't it?
by CarlZ993
Fri Sep 07, 2012 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2 Comma Club
Replies: 60
Views: 6924

Re: Question for the Retired

I retired in Jan 2006 at age 51 w/ a pension. Spouse retired Feb 2005 w/ a pension. IRA's (Roth & Rollover IRA from Deferred Comp) have had positive returns every year except 2008 (that year was brutal). Started out at 60/40 stocks/bonds. I let the downturn move us to 50/50 and have stayed there...
by CarlZ993
Mon Jul 09, 2012 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Question for the Retired
Replies: 49
Views: 4879

Re: New Car Buying: w/ trade in and timing questions

The end of June is one of the best times of the year to buy a new car. Dealerships get a bonus for hitting sales numbers at the end of June and December. They are willing to reduce the price to hit their number if they are close. Use the email attack approach to get competition from all local deale...
by CarlZ993
Tue Jun 19, 2012 4:52 pm
 
Forum: Personal Consumer Issues
Topic: New Car Buying: Updated with the full story
Replies: 59
Views: 7537

Re: Internet Car Buying- Lessons Learned

This sounds similar to the car buying system I've used before: http://www.fightingchance.com/ I test drove several vehicles (Fit & Civic) at a local dealership. I told them that I would shop around and get some quotes. I'd give the dealership an opportunity to meet or beat my best quote (they di...
by CarlZ993
Fri May 25, 2012 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Internet Car Buying- Lessons Learned
Replies: 49
Views: 8495

Re: New Civic or Corolla or Elantra.

I've been a Civic owner since 1987. No complaints on them from me. I've owned a Hyundai way back and cursed it regularly. From what I can tell, they're come a long way since then. Never owned a Corolla. My brother in law owns a different Hyundai model that doesn't have a spare tire. Double check to ...
by CarlZ993
Wed May 23, 2012 5:23 pm
 
Forum: Personal Consumer Issues
Topic: New Civic or Corolla or Elantra.
Replies: 50
Views: 4614

Re: "Can you sum-up your investing philosophy in 10 words?"

"Buy, hold, & rebalance a diversified portfolio."
by CarlZ993
Mon Feb 20, 2012 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: "Can you sum-up your investing philosophy in 10 words?"
Replies: 120
Views: 5174

Re: Anybody had success w/ 50%stock..50%bond allocation....

I retired in Jan 06 w/ a pension. DW retired in Feb 05 w/ a pension. My written plan for our IRAs was to gradually go from 60/40 (Stocks/Bonds) to 40/60 as time passed. I'm now at 50/50. Not sure when I'll make the next change. I'm comfortable w/ this asset mix. FYI, I'm 57. DW is older.
by CarlZ993
Sat Feb 04, 2012 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Anybody had success w/ 50%stock..50%bond allocation....
Replies: 37
Views: 4562

Re: Saving to pay cash for car

I have a separate savings account titled 'New Car' @ ING. I put money in it every month. I find it's easier that way. If you combine if with your 'Emergency Fund,' you'd have to create a spreadsheet or something (not too difficult I must admit) to keep track what is the 'Emergency' portion and the '...
by CarlZ993
Thu Jan 19, 2012 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving to pay cash for car
Replies: 28
Views: 1691

Re: Top 10 websites you view daily/semi-daily

1. Hotmail 2. Youtube 3. Google 4. Backpackinglight.com 5. Bogleheads.com 6. Facebook 7. Zpacks.com 8. Fusionknots.com 9. Minibulldesign.com 10. Redwoodoutdoors.com I'm an avid backpacker. Lot's of sites of ultralight backpacking stuff. I know there's a 12-step program somewhere for Gear-a-holics. :)
by CarlZ993
Tue Jan 10, 2012 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Top 10 websites you view daily/semi-daily
Replies: 53
Views: 5819
Next

Return to advanced search