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Re: How to admit/should I admit alcohol problem to employer

Congratulations on your thread and that you've admitted you have a problem. I've been sober for 31 years. Being sober is a life-changer: literally. Can't say I'm more sagacious now, but in sobriety, I have the benefit of exposure to other recovered alcoholics; their wisdom and experience. Initially ...
by Mr Grumpy
Thu Jul 03, 2014 8:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13596

Re: What to do in Austin, TX

My wife and I just returned from Austin three days ago. It was to be a 4 day trip, but turned into six (North Carolina, East Coast snowstorm.) We're in our mid-sixties so our "likes" may not jibe too well with yours. My idea of aerobics is stapling two pieces of paper together - plus I'm a...
by Mr Grumpy
Tue Feb 18, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: What to do in Austin, TX
Replies: 44
Views: 3812

Re: What Book Are You Currently Reading? Part V

Just finished, Deadliest Sea: The Untold Story Behind the Greatest Rescue in Coast Guard History - by Kalee Thompson.
You gotta love those Coasties!
by Mr Grumpy
Thu Dec 05, 2013 8:57 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3346
Views: 1146887

Re: "Why You Are Probably Not Saving Enough In Your 401k"

I am confused. The article indicates that roughly $220,000 will be spent per person on healthcare costs in retirement. I've read similar figures (up to $250,000) and would like to know where the information comes from. Assuming "on average," we have 20 years in retirement, we would be spen...
by Mr Grumpy
Wed Aug 28, 2013 10:24 am
 
Forum: Investing - Theory, News & General
Topic: "Why You Are Probably Not Saving Enough In Your 401k"
Replies: 42
Views: 6627

Re: What was your worst investment?

Whole life policy without question. I should have dropped it earlier than I did. I just received a medical discharge from the army in 1971, having just completed an 8 month stay in a hospital due to gunshot wounds. I had suffered 4 bullet holes in my legs, so life insurance wasn't a hard sell. Dumb ...
by Mr Grumpy
Tue Jul 02, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: What was your worst investment?
Replies: 100
Views: 7625

Re: Paper versus e-Reader

I like both for different reasons, but if I had to choose, I'd go with paper. As some have mentioned, you can't beat the portability of an ereader while traveling, but even then, I find I miss having a small paper bookmark to write down words to check vocabulary or a page citation on a particularly ...
by Mr Grumpy
Thu Jun 27, 2013 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Paper versus e-Reader
Replies: 60
Views: 4059

Re: [Should we] buy a two story house or a one story?

Ditto, Mudpuppy. In a perfect world I would live in a two story house - my own preference, but when it was time to down-size at 56, my wife and I started to look for a one-story house for our future needs. I now have an implant in an ankle, so stairs are not the problem they once were, but, for me. ...
by Mr Grumpy
Wed Mar 06, 2013 8:30 am
 
Forum: Personal Consumer Issues
Topic: [Should we] buy a two story house or a one story?
Replies: 43
Views: 3394

Re: What's your usual retirement day like ?

It varies. I've been about 18 month retired and realized what a life event retirement really is. Most days go fast ( volunteer with two organizations that provide some structure), but there are some days that I have trouble motivating myself to do anything. I've got a blog and made a post awhile bac...
by Mr Grumpy
Sat Feb 02, 2013 8:38 pm
 
Forum: Personal Consumer Issues
Topic: What's your usual retirement day like ?
Replies: 184
Views: 35649

Re: Why would anybody use Turbotax?

Not I ... anymore. I've used TT since my first computer in the early 90's. Having struggled for years doing taxes with a pencil, I thought I knew why computers were invented. I love quicken and always used TT, and for the most part never had a problem....until last year (a quarterly tax payment was ...
by Mr Grumpy
Sat Feb 02, 2013 8:26 pm
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 11558

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

I like the term "retired" : verb - "to withdraw, to remove oneself". Has a nice self-absorbed vibe to it.
No good?, how about "x-j" or ex-j": without job.
by Mr Grumpy
Sat Feb 02, 2013 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: What's a better term for 'retired'?
Replies: 97
Views: 4925

Re: Dinner Guest Issues

No, but # 2 doesn't seem unreasonable to me. In fact, it may even be considerate, but of course, it all depends on tone. I'm an alcoholic - some know and some don't so I'm used to questions like that, but in fact my wife always serves wine during a meal when adult guests are invited( but we usually ...
by Mr Grumpy
Wed Jan 02, 2013 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Dinner Guest Issues
Replies: 149
Views: 12176

Re: What was your 2012 return?

50/50 = 10.2%
by Mr Grumpy
Wed Jan 02, 2013 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 20347

Re: What is your greatest weakness as an investor?

My weakness as an investor is probably the same as my weakness as a person - don't know if it's my "greatest" though - have to talk to the wife about that. Once I've thought about something (financial investing, politics, theology, etc) I tend to get dug in. I wouldn't say I have a closed ...
by Mr Grumpy
Sun Nov 25, 2012 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: What is your greatest weakness as an investor?
Replies: 56
Views: 3507

Re: Heated Massage Chair

There's a review article in this weekend's WSJ (Nov 24-25) on massage chairs. Check out "Off Duty" section under "Gears and Gadgets", page D11. It could also be in WSJ online, but I didn't check. A bit more than $2,000. though. Interesting that 15% of Japanese households have the...
by Mr Grumpy
Sun Nov 25, 2012 10:32 am
 
Forum: Personal Consumer Issues
Topic: Heated Massage Chair
Replies: 13
Views: 1322

Re: What Book Are You Currently Reading? Part V

Sorry - didn't mean to start anything with Michael Connelly - a very fine writer. I should have written, in form...for me. . I have all his books, but starting with the Mickey Haller series and Harry Bosch's Nine Dragons , the writing left me kind of cold. Disagree? Of course. That's why God made ch...
by Mr Grumpy
Wed Nov 21, 2012 12:51 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3346
Views: 1146887

Re: What Book Are You Currently Reading? Part V

Just finished Michael Connelly's The Drop - after the last three books, IMHO, he's back in form. I'm half-way through Dennis Lahane's Moonlight Mile and it's terrific if you like the Kenzie series. Ditto to a previous poster - if you're looking for a crime novel, George V Higgins The Friends of Eddi...
by Mr Grumpy
Tue Nov 20, 2012 6:42 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3346
Views: 1146887

Re: Getting a Certified Financial Planner with Vanguard?

I had them do a plan a year before I retired. From some of the comments on previous posts, I wasn't sure of the quality and customization of the CFPs, but came away from the process impressed. I laid down certain markers when I started the process - AA, index funds only. I gave them my current portf...
by Mr Grumpy
Tue Nov 20, 2012 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting a Certified Financial Planner with Vanguard?
Replies: 23
Views: 2853

Re: Movie night in recommendations

Right now it's a movie titled, "Dark City", made in 1950, starring Charlton Heston. He plays a card hustler along with Jack Webb who plays a bad guy as well. It's a hoot. Great black and white with period autos, a saloon singer hussy, and a "nice girl". Heston's first starring ro...
by Mr Grumpy
Sun Nov 04, 2012 11:47 am
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20099

Re: Home Carpet scrubbers...worth the price?

I used to own a carpet cleaning business - truck mounted steam cleaner. I also had a portable carpet cleaner machine similar to the "rented" machines that can be had at hardware stores and supermarkets. Not to be real picky, but these rentals are not steam cleaners, but hot water machines ...
by Mr Grumpy
Wed Aug 08, 2012 8:39 am
 
Forum: Personal Consumer Issues
Topic: Home Carpet scrubbers...worth the price?
Replies: 12
Views: 1122

Re: Whats your Asset Allocation for 60-70 year old's?

I don't know about "average", but I am 65 years old, just retired, and my AA is 50/50; almost all in index funds. Breakdown: Equities: Total Stock = 25%, Developed Mrkts index=13%, Emerg Markets = 6%, REIT Index= 6% Bonds: bond index= 40%, Cash =8%, Insurance Cash value (I know...) 2% Just...
by Mr Grumpy
Sat Jul 14, 2012 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Whats your Asset Allocation for 60-70 year old's?
Replies: 59
Views: 9104

Re: Defined Benefits Pension as fixed income?

Good thread. For every argument there is a counter argument. I respectfully disagree with Mr. Bogle though, personally I do not include my DP (or house) as part of my portfolio, but it can depend on why you track the portfolio. For me it's a gut check on my collection of investments and done for AA ...
by Mr Grumpy
Mon Jun 04, 2012 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Defined Benefits Pension as fixed income?
Replies: 59
Views: 4840

Re: 50 things to do before the Sun goes down

Having just attended a funeral last Saturday, I'm starting to realize that time is the most precious thing I possess as I get older (65). That's not exactly news, but life does bring home that point. I do have a bucket list of things to do - in fact, my wife and I just returned from a baseball stadi...
by Mr Grumpy
Thu May 24, 2012 8:11 am
 
Forum: Personal Consumer Issues
Topic: 50 things to do before the Sun goes down
Replies: 32
Views: 4316

Re: Hair clippers? Any self-barbers out there?

The Wahl. My wife has been doing my hair for about 15 years. I was ready to give her a tip on one occasion, but she made an inappropriate comment when she dropped the scissors. Can't abide bad language.
by Mr Grumpy
Tue May 15, 2012 8:44 am
 
Forum: Personal Consumer Issues
Topic: Hair clippers? Any self-barbers out there?
Replies: 42
Views: 4316

Re: At what age did you start feeling old?

Hard to say. To some degree its situational. I was 22 when most in my rifle squad were 19-20, so I was the old man. In my mid 40's I needed reading glasses and that was the first time I realized I was on a life path that will have an end - but still didn't feel old. I'm retired now, but on occasion ...
by Mr Grumpy
Sat Feb 18, 2012 12:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: At what age did you start feeling old?
Replies: 110
Views: 7010

Re: Cash - do you keep a stash on hand?

Wow! Based on some of the above responses, I'm really parsimonious. I just retired and still working out day to day items like this. I've started taking a draw of $100.00 per month, albeit, I use credit cards or an ATM card for most purchases I make. In November, I had a lot of the drawer left, this...
by Mr Grumpy
Thu Dec 29, 2011 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6187

Re: What is your favorite movie?

Bullitt and Local Hero. Not the least bit thematically connected, but there you have it.
by Mr Grumpy
Fri Dec 23, 2011 7:31 pm
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20099

Re: What's the most overrated book you've read?

Miskatonic - Thank you for your wise observations. I think that when we start to read a book we are holding a mirror up to ourselves and have the author's ideas and artistic talents reflect (or not) back at us. I just finished reading Unbroken by Laura Hillenbrand and loved it, but I can imagine an ...
by Mr Grumpy
Wed Dec 14, 2011 7:02 pm
 
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 7731

Re: What's the most overrated book you've read?

For me, I immediately thought of The Road by Cormac McCarthy. He can be a good writer, but not in this case.
by Mr Grumpy
Fri Dec 09, 2011 9:54 pm
 
Forum: Personal Consumer Issues
Topic: What's the most overrated book you've read?
Replies: 193
Views: 7731

Re: Is your portfolio at an all-time high?

No - I mirror many posts. Down 2% from this past April.
by Mr Grumpy
Sun Nov 06, 2011 9:31 am
 
Forum: Personal Consumer Issues
Topic: Is your portfolio at an all-time high?
Replies: 82
Views: 5365

Re: How much % of yearly net income do you spend on vacation

I spend approximately 10% - give or take. The expenditure includes both vacation trips and trips to family in other parts of the country.
by Mr Grumpy
Thu Oct 27, 2011 7:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How much % of yearly net income do you spend on vacation?
Replies: 54
Views: 4435

Re: Flying to Wash.DC: need help from scratch :-(

Would ditto the many responses to your query. IMHO The Metro is one of the nation's best public transportation. It can be googled with maps prior to your trip. Pricing is determined on availability and advance notice (and competition); the suggestion of kayak is good, but then check the individual a...
by Mr Grumpy
Mon Oct 24, 2011 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Flying to Wash.DC: need help from scratch :-(
Replies: 37
Views: 2324

Re: What is your age and AA?

Me - 64 years, wife 63
50/50 Stocks/Bonds-Cash

TSM 25%
Intl indx 13%
Emerg Mkts 7%
REITS 5%
------
Total Bd indx 25%
TIPS 10%
Cash 15%
by Mr Grumpy
Sat Oct 22, 2011 11:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your age and AA?
Replies: 182
Views: 50551

Re: Any books really change your outlook on life?

Three books come to mind- The Great Gatsby - Taught me the beauty and value of words and ideas. IMO, the great American novel. Travels with Charley - Gave me a love of travel. Imagine, in the early 1960s, getting into a truck to see America. Catch 22 - Gave me a sense of humor and the absurd. In Vie...
by Mr Grumpy
Wed Oct 19, 2011 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 153
Views: 21331

would you retire in your 40's?

For me, not in my forties, but I've just retired at 64 and am still working my way through it. I've questioned and observed a lot of people recently retired and a major thread in their thinking is that it was time to move on and do things outside the world of work (Raybo). If you can afford it and I...
by Mr Grumpy
Tue Sep 27, 2011 7:38 am
 
Forum: Personal Consumer Issues
Topic: would you retire in your 40's?
Replies: 67
Views: 6822

Taking a trip to Boston. Any suggestions?

To me Boston provides a wonderful and interesting walk. I won't add to all the good suggestions on what to do or where to eat, but if I had a day (or more) I would walk from the North End and end up at Kenmore Square. I would second not driving in Boston; either park your car or take public transit ...
by Mr Grumpy
Mon Sep 26, 2011 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Taking a trip to Boston. Any suggestions?
Replies: 32
Views: 2543

Household G retirement savings annually

Gee. Reading this makes me feel somewhat inadequate. I guess it should be as a percentage - with us it has been between 20-25% per year, but that's in the neighborhood of $12,000 to $17,000 for many decades. I'm starting retirement and feel I have enough, but just barely. We'll see.
by Mr Grumpy
Mon Sep 05, 2011 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Household G retirement savings annually
Replies: 30
Views: 2331

Netflix

I modified my plan so that I only get DVDs through the mail. I tried the streaming and it was very seductive, but not many choices (for me). I'm also using the USPS in place of expending my willpower. I need to read more. Overall, I like the product though.
by Mr Grumpy
Fri Sep 02, 2011 10:16 am
 
Forum: Personal Consumer Issues
Topic: Netflix
Replies: 27
Views: 3571

Thank You, Taylor! Happy Memorial Day

I have admired Taylor both for his service and for the sagacity of his postings. I have found he possesses the most import ant asset: common sense. I was lucky enough to grow up in the 50s and there were many WWII veterans from all theaters in the surrounding houses on our street. I viewed them as g...
by Mr Grumpy
Mon May 30, 2011 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Thank you, Taylor ! Happy Memorial Day
Replies: 11
Views: 878

That Frugal Thing You Do

Nothing special - always brown bagged it all my life, but sometimes it's what you don't do (or spend). My neighbor pays a guy $10.00 a week to come and pick up the dog "treasures" on his lawn, then pays someone else to mow the lawn. Good for him, but whenever I see the picker or mower guy,...
by Mr Grumpy
Sat May 21, 2011 8:14 am
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96696

Buying A Business

I feel for you. Many years ago (1990) I sold a small, one man, service business. There was no way to navigate the parameters of valuation. The business had an equipment component of known, assessed value (which could be negotiated), but the revenues were another matter. Business brokers didn't want ...
by Mr Grumpy
Tue May 17, 2011 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying a Business
Replies: 24
Views: 2669

I'm 63 and come in about an 11. Age and life progression seem to play a major part (at least with me). If I answered 15 years ago, I probably would be a 2-3 at most.
by Mr Grumpy
Tue Apr 19, 2011 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth vs. Annual Income
Replies: 14
Views: 2418

What Book Are YOU Currently Reading?

I'm starting to re-read some books of my youth. I am about 100 pages into Roger Kahn's The Boys of Summer. It is a wonderful books that so far holds up well and is about 20th Century life, baseball, and good writing. Best quote so far. "The curve ball aborts careers"
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by Mr Grumpy
Tue Mar 29, 2011 7:07 am
 
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? Part IV. (07/04/2010)
Replies: 1507
Views: 345851

To each his own, but I appreciate baseball the older I get. It really is the national past-time since it embodies all our American traits, to wit; -It is sneaky . Although it doesn't rival the deception involved in a short conversation between two congresspersons , it comes close. Ricky Henderson ma...
by Mr Grumpy
Mon May 31, 2010 11:06 am
 
Forum: Personal Consumer Issues
Topic: Baseball As A Professional Sport Is Fascinating
Replies: 63
Views: 5360

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