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Re: Do you regret buying your home?

You can always find things you wish you had done differently. We built a 2000 sq ft ranch house on 2 wooded acres 41 years ago in a semi rural area outside Charlotte. Initially, we had few neighbors and had to drive 6 miles to the grocery store. Over time the area has been almost fully developed but...
by johnep
Fri Oct 24, 2014 8:09 am
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 58
Views: 3573

Re: Gross Yearly Income needed in Retirement (Speculation)

The Wizard wrote:$110K...


+1. This seems like a good number to me.
by johnep
Wed Oct 22, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 93
Views: 6032

Re: POLL: How fulfilling is your retirement?

My retirement has been a mixed bag. I have been retired almost 4 years. I stayed very busy the first 2 years: caring for my sick mother who died about 1.5 years after my retirement, major home improvements and some volunteer work I arranged before retirement. The past year or so, I find myself needi...
by johnep
Tue Oct 21, 2014 7:13 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How fulfilling is your retirement?
Replies: 34
Views: 2989

Re: "I've had it" at work - how often

I was fortunate to work for and with good people most of my career. My last job before retirement was IT director at a govt agency which lasted 22 years. I had to deal with politicians, elected officials and an occasional unreasonable customer which were often unpleasant and frustrating experiences....
by johnep
Mon Oct 20, 2014 7:51 am
 
Forum: Personal Finance (Not Investing)
Topic: "I've had it" at work - how often
Replies: 151
Views: 12277

Re: Attorney Hourly Rates?

I always ask what the billing rate. I think showing some concern for price helps with attorneys and most other professionals. Of course, this does not apply to doctors.
by johnep
Sun Oct 19, 2014 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Attorney Hourly Rates?
Replies: 41
Views: 3012

Re: What will you do when you retire?

1. I retired 4 years ago 2. I do some volunteer work, serve in various Christian ministries, do some traveling, have done lots of home improvements but am running out of things to improve, play golf, go to the gym several times a week, still participate in a couple of professional organizations, and...
by johnep
Sat Oct 18, 2014 7:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What will you do when you retire?
Replies: 37
Views: 3638

Re: Career Advice - leaving public accounting

I left Big Four some years back and went through this decision myself. I have no idea how you made Senior, not being a CPA and not having 150 credit hours. Most people are going to tell you to finish your CPA before you leave, but I know from experience how difficult that will be while being in pub...
by johnep
Sat Oct 18, 2014 6:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Career Advice - leaving public accounting
Replies: 8
Views: 943

Re: Retired, my viewpoint has changed again.

It sounds like you are reacting to the fact you no longer have human capital to build your financial resources. Once retired, we are more vulnerable to big market losses because we cannot easily rebuild them (unless you go back to work which may or may not be an option). Also, there is the concept o...
by johnep
Thu Oct 16, 2014 7:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Retired, my viewpoint has changed again.
Replies: 22
Views: 3150

Re: Relocating to a tax free state with good weather need ad

There are trade-offs everywhere.I live in the tri-cities area of Tn.No state income tax,sales tax a little higher,,,Dividends,capital gain distributions taxed at 6% over 2500 Married Filing Jointly.Cost of living very low ,wouldn't change a thing :happy I live in NC and always enjoy visiting places...
by johnep
Mon Oct 13, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Relocating to a tax free state with good weather need advice
Replies: 53
Views: 3617

Re: What have you done to cut costs this year?

Got rid of two butlers. Who needs five butlers anyways? Sold off my yacht. Passed through the McDonald's drive thru in my Bentley instead of having the deluxe steak and lobster dinner at the Four Seasons. /s There is a single butler per household who is in charge of all domestic activities and othe...
by johnep
Sat Oct 11, 2014 7:17 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8170

Re: Cleaning Up Leaves

I have lots of large hardwoods that produce lots of leaves in fall. I usually bag around 60 to 70 39 gallon bags and put them on curb. This occurs over a 3 month period from late October to early January. The best approach for me is to use a blower to get leaves in piles and then bag. I use a trash ...
by johnep
Sat Oct 11, 2014 6:50 am
 
Forum: Personal Consumer Issues
Topic: Cleaning Up Leaves
Replies: 40
Views: 3000

Re: Logic- knowledge wanted

This world is full of shallow thinking and fallacious reasoning. We hear this stuff all the time from government, politicians and business leaders. It is amazing that more people do not see through these statements. One book that I liked was "Thinking for a Change" by John C. Maxwell. It i...
by johnep
Fri Oct 10, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Logic- knowledge wanted
Replies: 15
Views: 1224

Re: Best Place To Buy Actual Gold Coins

Another vote for APMEX. When I was executor of an estate I used them to sell AGEs, junk silver and silver rounds. They were terrifically professional and their pricing was the best I found. APMEX is definitely where I would start. +1. When I bought gold coins, a friend who owns a coin shop recommen...
by johnep
Thu Oct 09, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Best Place To Buy Actual Gold Coins
Replies: 28
Views: 2236

Re: Sell or hold "Sequoia" and "Oakmark Equity and Income"

I own Sequoia and have been very happy with it. I has an excellent long term record surpassing the S&P500 index, but it is having a down year. All active funds will have a down year where they underperform. It does not happen often for Sequoia but it is this year. I intend to hold my investment ...
by johnep
Thu Oct 09, 2014 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Sell or hold "Sequoia" and "Oakmark Equity and Income"
Replies: 6
Views: 703

Re: Retirees only, what was you average investment return?

I do track my annual return each year now but have only been doing that for last 10 years. I do not know what is was before and it would be too much trouble to find out. Besides, there is nothing I can do about it now. Also, since a lot of this was in the periods where equities had huge runups (80s ...
by johnep
Thu Oct 09, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Retirees only, what was you average investment return?
Replies: 49
Views: 3347

Re: Kitchen Cabinetry Lines

We remodeled our kitchen 2 years ago. Initially we looked mostly at big box stores for cabinets. I was pleased with the products we looked. As part of my due diligence, I checked with a local custom cabinet maker who provides cabinets in several cities in our region. Their cabinets are installed in ...
by johnep
Tue Oct 07, 2014 6:51 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Cabinetry Lines
Replies: 19
Views: 1226

Re: POA Reporting Requirements to Family

Because what the "attorney-in-fact" (this business associate) may and may not do with a POA can be complex, as well as recent changes to those issues in many states - and the other circumstances of this situation - I believe it would make sense to take a copy of the POA to an experienced ...
by johnep
Tue Oct 07, 2014 6:30 am
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1577

Re: POA Reporting Requirements to Family

Thanks to everyone for their replies. I checked with Adult Protective Services (Social Services) and they confirmed what you have said, that the POA has no obligation to report to anyone. The family's only recourse would be if they have reason to believe that the POA is not handling their duties app...
by johnep
Mon Oct 06, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1577

Re: Hyundai vs. Toyota

I have driven Toyotas, mostly Camrys, for the past 25 years. We bought a 2008 Sonata new because it appeared to be as nice as a Camry, it was cheaper, no interest loan, and longer warranty. This was my wife's car and she hated it from day 1. It was more noisy than my 2004 Camry, did not ride as nice...
by johnep
Mon Oct 06, 2014 7:04 am
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4684

Re: POA Reporting Requirements to Family

Another area for research: If the brother's company was incorporated, the incorporation papers had to be filed with the state's Secretary of State (or whatever they call that office). You should be able to order a copy along with biennial statements of who the officers are. This is legally required...
by johnep
Sun Oct 05, 2014 6:47 am
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1577

Re: POA Reporting Requirements to Family

Another idea: Who is the POA for medical decisions? If it is someone different than the financial POA, he/she needs to know what there is available in assets that can be used for their medical care. It also isn't clear if the brother/wife are the sole owners of the business. If there are other owne...
by johnep
Sat Oct 04, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1577

POA Reporting Requirements to Family

One of my wife's brothers and his wife both have dementia and have been ruled incompetent to handle their affairs. They are both now in a nursing home. Her brother and wife have no children and gave durable power of attorney to a trusted employee before the brother became incapacitated. The POA has ...
by johnep
Sat Oct 04, 2014 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1577

Re: Should I (physician) get an MBA?

I would recommend focusing upon your current position and gain some experience before considering an MBA. 5 years hence, you may have different plans for your career. There is plenty enough time to do the MBA if you want to eventually become an administrator.
by johnep
Thu Oct 02, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I (physician) get an MBA?
Replies: 31
Views: 3580

Re: house odor after crawlspace encapsulation

I live in hot, humid south and have a crawl space. Moisture is a big problem in the summer but rest of year conditions for the crawl space are fine. This year I got a quote for encapsulation ranging from $10 to $14k depending on how it was done. My son who has 25 years home construction and remodeli...
by johnep
Wed Oct 01, 2014 8:36 am
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 46
Views: 3001

Re: New kitchen cabinets or new doors?

We had the same dilemma a few years ago. 40 year old kitchen. We decided to replace the cabinets and do a new configuration that is much more open. We did custom cabinets (higher quality and cheaper than big box stores), quartz countertops, ceramic glass backsplash, under cabinet lighting, new light...
by johnep
Tue Sep 30, 2014 8:19 am
 
Forum: Personal Consumer Issues
Topic: New kitchen cabinets or new doors?
Replies: 28
Views: 1823

Re: Replacing Some, not all, Windows in House

In most places there is a window problem solver. If you call a local quality window dealer, ask them who is the "fixer" in your area and have them take a look before you do anything. Where I live the fixer charges by hour for consultation and has helped me find obscure parts, create a sol...
by johnep
Tue Sep 30, 2014 7:58 am
 
Forum: Personal Consumer Issues
Topic: Replacing Some, not all, Windows in House
Replies: 15
Views: 1209

Re: Starting a railroad career

My uncle was a railroad engineer (fancy way of saying that he drove the locomotives). It is a hard job. Very erratic hours, and he was away from home a lot. Quite frankly, the job made it pretty much impossible for him to have a family. Vacation planning was near impossible. I suspect that he made ...
by johnep
Sun Sep 28, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Starting a railroad career
Replies: 11
Views: 1642

Re: Treadmills

lightheir wrote:Sole f80 is a workhorse, used by many. 1400ish


+1. I bought one from Dicks a few years ago on sale. These are high quality machines that will last.
by johnep
Thu Sep 25, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Treadmills [vs. Ellipticals]
Replies: 54
Views: 3482

Re: POLL: Would you rather work half as long or half as ofte

I voted for full length at half time. However, my preference would have been full length, full time if it was an option. I may be a little weird because I enjoyed work. However, I have been retired 4 years and have adjusted to that nicely but would not have wanted to do it earlier.
by johnep
Thu Sep 25, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4131

Re: Dave Ramsey: The Legacy Journey

I enjoy listening to his radio program when I can get it. He has good advice for a variety of situations, including some more complex ones. However, my wife and I attended a multi-session program at our church that presented a video series of his. It was much more about him entertaining than it was ...
by johnep
Tue Sep 23, 2014 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5492

Re: Car registration & driving across the country

I bought a 2014 Camry Hybrid in SC and dealer registered it for me in NC. Of course, dealer was just across state line and this is commonly done here because we border SC. I am guessing the same thing could be done in your case but car dealers in the east are probably not familiar with registration ...
by johnep
Mon Sep 22, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Car registration & driving across the country
Replies: 14
Views: 998

Re: The boglehead way to buy furniture

A lot of people on east coast come to North Carolina to buy furniture. Although much of furniture is now manufactured overseas, NC has some very large outlets in High Point and Hickory areas that provide a wide selection and great prices. I have seen people come in from distant states and buy severa...
by johnep
Wed Sep 17, 2014 7:08 am
 
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 5159

Re: Dry-Rot Repairs

The first thing to do is to determine the cause of the dry rot. How is water getting on the wood? That needs to be fixed first. The extent of replacement of the dry rot depends upon several factors. Is the dry rot on support framing structure? If so, you need to be sure it is properly fixed. A small...
by johnep
Wed Sep 10, 2014 9:17 am
 
Forum: Personal Consumer Issues
Topic: Dry-Rot Repairs
Replies: 4
Views: 640

Re: Sump Pumps

I have a decent amount of experience with this, and I would advise not to take the cheap way out. First, you have to decide if there is any chance water can get into your basement. I live in an area that gets a decent amount of rain, so water is an issue. If you live in a dry climate, and you just ...
by johnep
Mon Sep 08, 2014 7:31 am
 
Forum: Personal Consumer Issues
Topic: Sump Pumps
Replies: 11
Views: 863

Re: roll pension over to Trad. IRA in this situation?

Assuming you will have an average expected longevity, it appears to me that #3 is clearly the best choice, especially if your other investments and income can cover you for the next 15 years and you can get your insurance through alternative means. I did quick calculations of total payout: retire at...
by johnep
Sat Sep 06, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: roll pension over to Trad. IRA in this situation?
Replies: 8
Views: 504

Re: Technologist to IT Sales Transition

I did a similar thing. I was very technical in most of my IT career and then went to work for a consulting company. I was soon promoted to manager a few months later and was expected to sell services and projects to prospects. It was a new experience for me and it took me a little while to make the ...
by johnep
Sat Sep 06, 2014 9:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 861

Re: Home Depot Breach - zip codes revealed

Thanks. My zip code was included. I will have to see if I did any cc transactions in that timeframe.
by johnep
Thu Sep 04, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 43
Views: 6057

Re: Determining who makes it past age 90?

I saw this program too. The 60 minutes report was based upon a study of 14,000 seniors. The initial research was done 30 or more years ago. A doctor at UC Irvine has done follow up research on those who died and those who were still living to come up with their findings. Apparently it is quite unusu...
by johnep
Tue Sep 02, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1975

Re: Suggestions for a Western States road trip?

Glacier National Park is a fantastic place to visit. It is a little farther north (close to Canadian border), but definitely worth it. Beautiful scenery, wildlife (lots of grizzlies), hiking trails and the drive across the mountains is awesome.
by johnep
Tue Sep 02, 2014 7:06 am
 
Forum: Personal Consumer Issues
Topic: Suggestions for a Western States road trip?
Replies: 21
Views: 1952

Re: Financial Planners, DFA, and your opinions please!

I'm looking for a plan initially so that I can bring all the pieces together. That's why my initial search (and I forgot to include this, I'm sorry) was for the following: 1) Fee-only 2) CFP (and more certifications the better showing they are serious) 3) Experience 4) Ability to give me access to ...
by johnep
Mon Sep 01, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial Planners, DFA, and your opinions please!
Replies: 28
Views: 1706

Re: Costco:is it worth it for just two people?

My wife and I have been Costco members for years. We rarely buy food or grocery store items there. Most of our purchases are prescriptions and OTC medicines, gas, electronics like GPS or computer, tires, occasionally clothing items and eyeglasses. I think they have a great business model and have al...
by johnep
Sat Aug 30, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 12352

Re: [Sell off individual stocks?] How many own zero/few stoc

I own no stocks although have owned numerous ones over the years. I finally sold BRKB, the last one, a couple of years ago. Individual stocks require a lot of attention to manage and I frankly do not want to spend that much time with my investments. I primarily have index or other low cost funds but...
by johnep
Sat Aug 30, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2799

Re: Sports Motivation Waning

I have always been super competitive in sports. I always tried to display good sportsmanship but internally would get very frustrated when I lost or did not play well. I have played golf for 50 years and I believe in golf this competitiveness prevented me from playing my best and definitely prevente...
by johnep
Sat Aug 30, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: Sports Motivation Waning
Replies: 18
Views: 1678

Re: Protecting one's bank account from PayPal

I sometimes sell NFL tickets on Stubhub which requires sellers to have a Paypal account even though I always ask for payment by check. Last year someone in UK charged my credit card for $999 for a bogus transaction. Paypal did send me an email notifying me of the transaction but by the time I saw it...
by johnep
Fri Aug 29, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 29
Views: 3196

Re: 2014/2015 Honda Accord vs. 2014 Toyota Avalon

I bought a 2007 Avalon (non hybrid) in 2010. We have been very happy with it. If you are looking for a smooth, quite and comfortable ride, the Avalon trumps Accord and Camry by a good measure. There is really no comparison. I bought a used Avalon because I discovered that, despite its excellent qual...
by johnep
Fri Aug 29, 2014 8:08 am
 
Forum: Personal Consumer Issues
Topic: 2014/2015 Honda Accord vs. 2014 Toyota Avalon
Replies: 54
Views: 5334

Re: Can someone make a living as a Boglehead financial advis

The scope of a good financial adviser should be much broader than just merely determining the appropriate investment strategy and funds. There are lots of other things to consider: when to take SS, proper RMD strategy, tax strategies, long term care or self insure, saving for kids' college, and many...
by johnep
Thu Aug 28, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: Can someone make a living as a Boglehead financial advisor?
Replies: 25
Views: 3866

Re: vacation destinations similar to Savannah or Charleston

Charleston and Savannah are unique cities. I do not think you will anything similar on East Coast, especially in October. Why not make a return visit to one of these?
by johnep
Wed Aug 27, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: vacation destinations similar to Savannah or Charleston SC
Replies: 28
Views: 1928

Re: Death of family member - what to do financially

You or your wife may need to go to Virginia for a week or two to look for financial information in the house, on her computer (hopefully the email and files are accessible), and set up a system to handle incoming financial postal mail and email. Also to look through back email. He needs to phone So...
by johnep
Wed Aug 27, 2014 8:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Death of family member - what to do financially
Replies: 26
Views: 3257

Re: Catastrophe Brewing - Longevity

Thanks Alan. Excellent article. It is surprising that pension funds are using outdated actuarial data to determine their pension liability. Once new actuarial data is used, this will increase pension liabilities, possibly including SS trust fund which means these pension funds are more underfunded t...
by johnep
Tue Aug 26, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Catastrophe Brewing - Longevity
Replies: 12
Views: 2533

Re: first of three part series on hedge funds

Thanks Larry. This is of great interest to me as a public pension recipient. The NC pension system was authorized by the legislature to increase its alternative investments in the quest for greater return. Ironically, the system has beat its equity and bond benchmarks in recent years but so far, has...
by johnep
Mon Aug 25, 2014 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: first of three part series on hedge funds
Replies: 2
Views: 358
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