Search found 447 matches

by Swampy
Thu Jul 02, 2015 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: MetLife Experience for Auto/Home/Umbrella?
Replies: 6
Views: 555

Re: MetLife Experience?

No experience with Met Life, however we had insurance with another big name company. We thought we were being rewarded for being good policy holders, paying premiums on time and never made a claim. We thought wrong. Turns out the insurance industry actually takes advantage of 'good' customers by not...
by Swampy
Wed Jul 01, 2015 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3416

Re: Unknown phone calls

We get our share of these.

Very annoying - to say the least.
by Swampy
Tue Jun 30, 2015 9:10 am
Forum: Personal Finance (Not Investing)
Topic: ATM Withdrawal
Replies: 15
Views: 933

Re: ATM Withdrawal

Change banks


+1
by Swampy
Tue Jun 30, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Delaying SEP-IRA contribution in the wake of Greek default
Replies: 5
Views: 444

Re: Delaying SEP-IRA contribution in the wake of Greek default

Why not contribute to a money market account - or is that not an option?
by Swampy
Mon Jun 29, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 21
Views: 1582

Re: Spending from separate retirement buckets

Interesting points so far.
by Swampy
Mon Jun 29, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: Spending from separate retirement buckets
Replies: 21
Views: 1582

Spending from separate retirement buckets

Instead of looking at the whole portfolio as one entity for the rest of one's life in retirement, how many approach it with a bucket style of investing? In other words, does anyone have a bucket to deplete for the first 3-5-7-10 years, then another for a second similar time frame and so on until one...
by Swampy
Fri Jun 26, 2015 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 987

Re: Suggestions for an extended summer getaway

Nothing against Utah. Just unsure how cool the weather is in summer, so I'd rather gravitate further north - from latitude 45 north and up.
by Swampy
Fri Jun 26, 2015 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 987

Re: Suggestions for an extended summer getaway

Definitely nature settings. I've had enough of urban canyons. National parks are good for a few days, not necessarily a month. Besides, these tend to be more remote and, as a result, far more expensive for limited amenities and provisions. Besides, the last time we were at Yosemite, it was packed wi...
by Swampy
Thu Jun 25, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: What to do when there is no responsible family, trusts, wills, POA, etc.
Replies: 8
Views: 1236

Re: What to do when there is no responsible family, trusts, wills, POA, etc.

After a lot of research and soul searching, we're at the tail end of this and due to sign the final papers next week. It has taken about 10 months to do - after narrowing the field down - and even then, we encountered dead ends, falsehoods and fits and starts. It's a very difficult process and, unfo...
by Swampy
Thu Jun 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Suggestions for an extended summer getaway
Replies: 8
Views: 987

Suggestions for an extended summer getaway

Looking for suggestions for an extended 4-8 week summer getaway away from Florida in 2016. Depending on location, we are amenable to either staying put the entire time or possibly 'bouncing around' and staying in a location for 1-2 weeks, then moving on to the next. We prefer being outside of urban ...
by Swampy
Wed Jun 24, 2015 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Rent or Sell House with ~$300K capital gain?
Replies: 14
Views: 1221

Re: Rent or Sell House with ~$300K capital gain?

jc98 wrote: But we also like the idea of having a rental at a low property tax rate since we bought it a while back. We'll net a profit about $700 per month with the rental, plus renters would be paying $2k toward the mortgage. That's assuming an awful lot - real estate taxes have an insidious way o...
by Swampy
Mon Jun 22, 2015 11:17 am
Forum: Investing - Theory, News & General
Topic: Another reason Bogleheads will rule: Journalism for personal investing is becoming pathetic
Replies: 7
Views: 1421

Re: Another reason Bogleheads will rule: Journalism for personal investing is becoming pathetic

Rx 4 investing wrote: The father of value investing, Benjamin Graham, offered this insight many years ago: "Individuals who cannot master their emotions are ill-suited to profit from the investment process." Some of the Forum comments from younger investors about their best intentions to s...
by Swampy
Sun Jun 21, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16726

Re: Is it worth aspiring to get more?

TimeLord wrote: Dying before I can retire really isn't a big deal for me because along the way I have been able to do a lot of wonderful things in my life. If that's what you believe - OK. Here's a link to an interesting study: http://faculty.kfupm.edu.sa/COE/gutub/English_Misc/Retire1.htm Consideri...
by Swampy
Sun Jun 21, 2015 9:44 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

The copper line that goes from the air handler to the compressor???

No. They welded the units to the existing lines.

It wasn't listed as a routine part of the replacement from any company that I received quotes from.
by Swampy
Sat Jun 20, 2015 12:47 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Replaced both, the air handler and a newer 410 compressor heat pump system before the THI went to 120. The AC people were able to mount the air handler on the current filter rack so I could continue using the same sized filters. I guess I'll see how the electric bills bear out. I'll also see how wel...
by Swampy
Sat Jun 20, 2015 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3097

Re: Financial and worldly advice to college kids

EmergDoc wrote: It annoys me when people consider college students to be children. They're not. They're old enough to vote. They're old enough to get a job and support themselves. They're old enough to die for their country. They're old enough to die for their crimes and be tried as an adult. This w...
by Swampy
Sat Jun 20, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 13865

Re: Will we be eating cat food?

grettman wrote:
Sorry to say I'm annoyed by the question given the stated financial situation and obvious intellect within the household.


+1

I have to agree, this is a shameless humblebrag.

msrumphius, how much is enough?
by Swampy
Sat Jun 20, 2015 6:02 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 16726

Re: Is it worth aspiring to get more?

How much is enough?
by Swampy
Sat Jun 20, 2015 6:01 am
Forum: Personal Consumer Issues
Topic: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes
Replies: 21
Views: 2766

Re: Need advice; Band of Brothers trip retracing WW2 from Normandy to the Ardennes

Three places within a short drive of each other from both World Wars that should not be missed: Stand quietly in tragic wonder at Luxembourg American and Sandweiler German Cemeteries in Luxembourg. Patton is interred in the first. Then go to the beautiful yet bleak Douaumont Ossuary/Cemetery near Ve...
by Swampy
Fri Jun 19, 2015 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with the fear: "Will we be eating cat food?"
Replies: 90
Views: 13865

Re: Will we be eating cat food?

msrumphius wrote:
Our home is in a brisk zip code.


Huh???

$3.5 million at age 70 and he's worried about cat food???

How long does he plan on living?

He might tolerate tuna salad just fine after he turns 100. :P
by Swampy
Fri Jun 19, 2015 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3097

Re: Financial and worldly advice to college kids

Good answers so far. It seems that there are many more distractions to good financial decision making than when I was entering adulthood. A lot of these distractions seem to be quite negative to one's wealth and health, like the proliferation of fast (not inexpensive and definitely not quality) food...
by Swampy
Fri Jun 19, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Financial and worldly advice to college kids
Replies: 27
Views: 3097

Financial and worldly advice to college kids

Anyone willing to share their tidbits of wisdom that might have actually penetrated the grey matter of a college kid? My kid's eyes glaze over when ever I make a suggestion or try to share a pearl of wisdom. Sigh, didn't Albert Einstein once say the definition of insanity is: Keep saying the same th...
by Swampy
Sun Jun 14, 2015 3:22 pm
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9724

Re: Why High Equity Allocation in Retirement

I guess the question begging to be asked is: "Given your portfolio, what is your anticipated annual withdrawal rate, projected adjustment for inflation, projected returns and what do you plan on doing when the markets will, by necessity, take a nose dive? Can you afford an extended period of ne...
by Swampy
Sat Jun 06, 2015 11:56 am
Forum: Personal Finance (Not Investing)
Topic: How much income do I really need?
Replies: 22
Views: 3562

Re: How much income do I really need?

Actually SQRT, the sweetest spot would be as an heir of someone who worked hard, earned well and lived below their means, then dropped dead.

While that wouldn't necessarily come with certain valuable life lessons, I've met a few merry widows and orphans who never had a problem spending the money. :P
by Swampy
Fri Jun 05, 2015 4:16 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Would the air quality, humidity and cooling-heating difference be 'that great' if one was to either under or oversize HVAC of an area by 10-20%?
by Swampy
Fri Jun 05, 2015 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of wealth to kids
Replies: 87
Views: 10375

Re: Transfer of wealth to kids

The way my kids have behaved since entering their teens, I'd rather divide my estate to a number of different worthwhile charities, leaving enough only to fund a special needs trust for my mentally handicapped child. The others 'know everything' and I can't possibly impart any wisdom to them. So, I ...
by Swampy
Fri Jun 05, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much income do I really need?
Replies: 22
Views: 3562

Re: How much income do I really need?

Any suggestions for how to decide how much income is enough? The question you should be asking is "How much do you think I can afford to spend and still LBYM?" I personally know individuals who made millions each and every year. They're now utterly destitute, unemployable and 'had a great ...
by Swampy
Fri Jun 05, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Which grocery stores do you shop at and why?
Replies: 93
Views: 6187

Re: Which grocery stores do you shop at and why?

Living on the periphery of civilization, Publix and Walmart mostly, only because they're the closest. All others are a significant drive and not worth it. Walmart matches pricing of competitors (which have dwindled) if you bring in the ad, so I peruse the weekly sales papers online from Aldi, Walgre...
by Swampy
Fri Jun 05, 2015 9:11 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Thanks, jebmke. Ultimately, we have to find the people we are most comfortable with who are also most capable of doing the job, not just lowest price. Interestingly, I found this while checking out the 410 vs R22 claims on a government website - http://fire.nist.gov/bfrlpubs/build02/PDF/b02186.pdf?h...
by Swampy
Fri Jun 05, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Well, I've had several phone and in-person quotes. Needless to say, they're all over the place in claims about the heat pump systems. 1. Trane is best. 2. Carrier is best. 3. Rheem is best. 4. I need a bigger compressor because 410 systems don't cool as well as the old R22 systems. 5. Get variable a...
by Swampy
Thu Jun 04, 2015 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1761

Re: Parents retiring from Ohio to Sarasota, FL area

If that is the location, they will enjoy UTC. It's a great place to mall walk.

They can enjoy seeing Wallenda ( a local resident) practice on the high wire at Benderson Park.
by Swampy
Wed Jun 03, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1761

Re: Parents retiring from Ohio to Sarasota, FL area

Not at all.

I'm just observing the different lifestyles (Ex: Fast paced New York minute) from various parts of the US.

I wouldn't feel comfortable in some locations, even in Florida.
by Swampy
Wed Jun 03, 2015 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Time to move?
Replies: 7
Views: 1544

Re: Time to move?

I, for one, don't think you're too conservative. We've had a good run in bonds and equities for the last 6 years. If you're losing sleep over your asset allocation mix, then you need to do something about it. Last year, I reduced equity exposure after the Russians shot down the Malaysian jetliner. S...
by Swampy
Wed Jun 03, 2015 5:13 am
Forum: Personal Finance (Not Investing)
Topic: Parents retiring from Ohio to Sarasota, FL area
Replies: 11
Views: 1761

Re: Parents retiring from Ohio to Sarasota, FL area

Just because Sarasota Florida is a cultural capital doesn't mean (like most everywhere else) it's a safe utopian paradise. There is a lot of money in this Gulf Coast community and the criminal element knows it. So do the predatory financial advisors, but they won't kill you. A couple of young Britis...
by Swampy
Tue Jun 02, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Well, it does have a leak in the air handler. The unit has been cooling just fine after being 'charged' 9 days ago. The technician recommended either waiting to see how long it lasts or replacing just the air handler now, so I get partial credit for the visit last weekend. It's a toss up as he indic...
by Swampy
Thu May 28, 2015 6:19 pm
Forum: Personal Consumer Issues
Topic: Requesting resolution over dispute on airbnb
Replies: 4
Views: 931

Re: Requesting resolution over dispute on airbnb

I can't answer that question, it's something to take up with AirBNB. I guess the reasonable question to consider is "How old was this appliance, how much was it really used and was it near the end of its realistic lifespan given wear and tear?" A serial number would go a long way toward cl...
by Swampy
Wed May 27, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: Requesting resolution over dispute on airbnb
Replies: 4
Views: 931

Re: Requesting resolution over dispute on airbnb

We had a nightmarish experience with one place, out of several, we stayed at through AirBNB. The others were delightful with helpful landlords. I knew there was going to be a problem as soon as we encountered the owner/manager when we arrived. The property was not 'as listed' on AirBNB, overpriced f...
by Swampy
Wed May 27, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

It is what it is.
by Swampy
Wed May 27, 2015 7:39 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7286

Re: Once in a life time trip.

ktd wrote:

We don't know what they like since they are not even 3 yet.
:oops:

REALLY?

This discussion thread seems like just a waste of time - other than the part that mentions "We are saving the money right now."
by Swampy
Wed May 27, 2015 7:32 am
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Considering the system is 11 years old and it needed to be 'charged up' with 3 pounds of Freon, my question is: Does Freon pressure have a tendency to drop over time as a natural consequence? Car tires seem to have a tendency to drop in pressure over time and certainly from season to season. Could t...
by Swampy
Tue May 26, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

Re: HVAC Questions - Straight AC vs Heat Pump

Not ours. They're Trane.
by Swampy
Tue May 26, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: HVAC Questions - Straight AC vs Heat Pump
Replies: 27
Views: 3050

HVAC Questions - Straight AC vs Heat Pump

Living in mid-southern Florida, 96-98% of my annual heating and air conditioning expenses are for air conditioning. 2-4% is for heating. Currently, we have two heat pumps, one for upstairs and one for downstairs. Upstairs is essentially used maximally only when my college aged kids are back home for...
by Swampy
Tue May 26, 2015 10:45 am
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 7286

Re: Once in a life time trip.

Two weeks? I agree with taking them someplace "natural" like Iceland or northern Canada - away from any and all screen devices, TV's, computers, etc. Australia and some other named places are just too far. The last thing you want to do is spend 4 (out of 14) days traveling. Wherever you go...
by Swampy
Sat Apr 18, 2015 8:19 pm
Forum: Personal Consumer Issues
Topic: New HVAC
Replies: 21
Views: 1700

Re: New HVAC

I'd shop around and try to find a better price, maybe even with a lower SEER unit. The last thing you want to do is to end up having to replace it in July, when it's 100 degrees outside. Then the AC people have you right where they want you. Another, less expensive option, is to buy a home warranty ...
by Swampy
Wed Apr 15, 2015 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Talking to People About Retirement
Replies: 70
Views: 7087

Re: Talking to People About Retirement

I also don't want them to think that I am making an irresponsible decision by choosing to retire at a younger age than they expect. It's really nobody else's business. Especially if you're not asking them to give or 'lend' you money or to support you in any other manner after you leave work. I thin...
by Swampy
Sat Apr 11, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: When to Retire?
Replies: 35
Views: 3529

Re: When to Retire?

I have yet to read on a tombstone "I wish I could have worked more."

As for your case, when to retire?

Yesterday.

Take it from someone with personal experience, not only do you have enough to retire, you'll have an excess.
by Swampy
Sat Apr 11, 2015 7:26 am
Forum: Personal Consumer Issues
Topic: Propane Heating and Septic Tanks
Replies: 36
Views: 2185

Re: Propane Heating and Septic Tanks

You're welcome to read my post, Septic System Woes, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=115333. I strongly encourage a septic tank inspection from a small local septic pumping company. The seller should have the tank pumped out (at their expense) for this inspection prior to sa...
by Swampy
Thu Apr 09, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio changes to retire in 4 years...
Replies: 26
Views: 2847

Re: Portfolio changes to retire in 4 years...

IMHO at 90/10 and planning to retire soon you are a gambler not an investor


+1

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