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Re: SE PA Roofing Contractor?

I used G Fedale in 10/2013 to replace our roof and was throughly impressed. They managed to install the roof in one day by working from dawn til dusk for a very fair price. A 10 year transferable worksmanship guarantee is included which was a plus for us since we plan to sell our home within a few y...
by supersharpie
Wed Sep 10, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: SE PA Roofing Contractor?
Replies: 2
Views: 189

Re: Rather macabre but necessary question

I'm sorry to hear about your illness and admire you greatly for already planning new adventures. I'm not certain what you mean about how to think about "stuff like this financially." Do you mean immediate retirement, financing your travel, or costs of medical treatment, or house sale, por...
by supersharpie
Tue Sep 09, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 74
Views: 5931

Re: Favorite airbnb/vrbo properties?

Is this a thread of advertisements? No, although I am a bit of cynic and can understand why you might think so. I really just want people to post links to their favorite properties for our own future travel planning purposes. The reviews on airbnb and vrbo are useful but sorting through close to a ...
by supersharpie
Tue Sep 09, 2014 8:03 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 980

Favorite airbnb/vrbo properties?

These two rental sites in particular have been a revelation and huge money saver for my wife and me over the past couple years. We have stayed at close to 10 properties and were only somewhat disappointed once. The rest have been unqualified bargins. I wanted to find out where other bogleheads have ...
by supersharpie
Mon Sep 08, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Favorite airbnb/vrbo properties?
Replies: 7
Views: 980

Re: NYC [Visit to New York City]

Spend at least a full day in Brooklyn. That is the most alive borough in NYC at the moment and has experienced tremendous revitalization/gentrification over the past 20 years. What makes it especially unique is just how well people get along with one another: blacks, whites, middle easterners, asian...
by supersharpie
Sun Aug 31, 2014 10:22 am
 
Forum: Personal Consumer Issues
Topic: NYC [Visit to New York City]
Replies: 45
Views: 2056

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sun Aug 31, 2014 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3821

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

The free samples alone make it worth your while!
by supersharpie
Sat Aug 30, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 143
Views: 10995

Re: Does your employer still offer pensions to new hires?

No. I would be surprised to find many non-government jobs that still offer DB pension plans to new employees. If you find any, they are likely to be in companies that have unionized blue-collar employees. I worked for Megacorp #1 until 2004 and had a DB pension. Around 2000 they switched new employ...
by supersharpie
Sat Aug 30, 2014 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3821

Does your employer still offer pensions to new hires?

This question is only for employees in the US. Both my wife and I are considering eventually leaving our employers but are right now limiting our options to employers that still offer a defined pension program. Please share the details of the plans as these are not generally available on the company...
by supersharpie
Sat Aug 30, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3821

Re: Help for my sister

Yes, she was divorced about 20 years ago. Will collect on part her ex's SS when she turns 66. $300.00 does sound low, but all she'll pay for will be a car loan & HC. Thanks for your rapid replies. She can't delay taking the ex-spousal benefit until 66. An application for early retirement is a &...
by supersharpie
Sun Jun 29, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1936

Re: Need Advice on Retiring at 50

I have managed to save a decent amount of money over the years with $11m in mutual funds + $1.5m in cash. House and cars paid, kids college fund also paid and not counted in this number. Gross annual expenditures have creaped up over time and now stands at around $250k excluding taxes. Company i he...
by supersharpie
Sun Jun 01, 2014 10:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Retiring at 50
Replies: 8
Views: 1226

Re: 529? What if they don't go to college

[OT comment removed by admin LadyGeek]
by supersharpie
Sat May 31, 2014 4:54 pm
 
Forum: Investing - Theory, News & General
Topic: 529? What if they don't go to college
Replies: 70
Views: 6151

Re: Poll: Are you going to retire? And if so, when?

I want to retire today (age 52), DW says nooooooo, So plan after 60. Want to enjoy life as it becomes shorter as we grow older. Have roof and food and auto to drive around which better than most in the world! Love watching "buying properties in Hawaii..." And dream about the permanent 80F...
by supersharpie
Wed May 28, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 5020

Re: Why 25/25/25/25 in a Permanent Portfolio?

You could also ask "why age in bonds?" There really isn't any statistical analysis to support that as a rational basis for investing.
by supersharpie
Thu May 15, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Why 25/25/25/25 in a Permanent Portfolio?
Replies: 31
Views: 2976

Re: Buying a new suit for a promotion

Male or female? Eye candy? Trade shows and booths? Mostly phone work? Meeting rooms? Male - My understanding is that I will be communicating throughphone and email about 50% of the time and outside the office making presentations and serving as a rep at booths at various events the other 50% of the...
by supersharpie
Wed May 14, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2427

Buying a new suit for a promotion

I just received news that I have been selected for a temporary promotional detail as a public affairs specialist for my employer. If I succeed and a full-time position opens I will likely secure that permanent promotion. I will serve as my employer's sole representative at a number of events and wan...
by supersharpie
Wed May 14, 2014 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Buying a new suit for a promotion
Replies: 20
Views: 2427

Re: Is this true?

Yesterday I heard that the Fed Govt has pumped 300% more dollars into the economy than the year before. Or something like that. Also this person said that the Chinese govt has trillions of dollars in US bonds that it is trying to get rid of as soon as possible. IOW, he painted a bleak picture of ho...
by supersharpie
Mon May 12, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Is this true?
Replies: 11
Views: 1703

Re: What is the best all-inclusive resort you have ever visi

#1. Couples Swept Away is our favorite. #2. Couples Negril We liked both a lot. Can't go wrong at either place. We stayed at The Veranda in Turks and Caicos before. Loved it there. But, they were bought out by another company so i can't recommend it. We have considered both Couples resorts. What pu...
by supersharpie
Wed May 07, 2014 11:10 pm
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5571

Re: What is the best all-inclusive resort you have ever visi

rholt wrote:My experience is that getting really top quality food at all-inclusives can be a challenge.


Yep, it merely needs to be "good" to satisfy us. We are not looking for fine dining. However, local cuisine options would be great! I know a lot of AIs only offer "international" fare.
by supersharpie
Wed May 07, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5571

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by supersharpie
Wed May 07, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5571

Re: What is the best all-inclusive resort you have ever visi

They are all so different, it really depends on what you want to do and the kind of atmosphere you are after. As two extremes, Some people love Zoetry (I do), others love hedonism ( I haven't been there, but know people who love it). Need more info on what you want. Here are our requirements: 1. Lo...
by supersharpie
Wed May 07, 2014 10:17 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5571

What is the best all-inclusive resort you have ever visited?

My wife and I are planning spending 7 nights at an AI in January 2015 to escape the cold. We are flexible on location. What would you recommend?
by supersharpie
Wed May 07, 2014 9:18 am
 
Forum: Personal Consumer Issues
Topic: What is the best all-inclusive resort you have ever visited?
Replies: 45
Views: 5571

Re: Purchasing first smartphone, need advice

We ended up settling on two 32 GB Nexus 5s. They were $399 each and are unlocked. We will both be going with Straight Talk because ATT offers a much stronger network and the savings through Ting for my wife were likely to be negligible. The advantages of buying an unlocked phone are that they will m...
by supersharpie
Mon May 05, 2014 10:42 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself. Yes, but note that their version of CDMA does not support Verizon Wireless, so don't count on that being a backup opt...
by supersharpie
Sat May 03, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Re: Purchasing first smartphone, need advice

The beauty of the Nexus 5 is that it supports both GSM and CDMA so if my wife is unhappy with Ting (Sprint/CDMA) she can switch to Straight Talk (ATT/GSM) and vice versa for myself.

I don't know if there any other phones on the market with that capability.
by supersharpie
Sat May 03, 2014 9:01 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Re: Purchasing first smartphone, need advice

Update: I think we are both going to purchase Nexus 5 phones. I am going to give Straight Talk a try and she is going to give Ting a shot.
by supersharpie
Sat May 03, 2014 1:08 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Re: Purchasing first smartphone, need advice

At this point I think my wife has settled on buying a used Iphone 5 through Ting's partner along with a Ting plan. I am leaning towards the $45 Straight Talk plan through WalMart because it utilizes the much stronger AT&T network vs Sprint.
by supersharpie
Thu May 01, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Re: Are my retirement dreams a mirage?

As long as you have hobbies and interests you will surely enjoy your retirement. There are plenty of Americans who have no hobbies and seemingly no interests outside of their job; they are the ones who are miserable retirees.
by supersharpie
Thu May 01, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Are my retirement dreams a mirage?
Replies: 39
Views: 4241

Re: Mea culpa [100% stock at 50]

I don't understand why people bash 100% stock portfolios. If you maintain one over the course of your career you will likely retire with a significantly higher balance than if you invest on an "age in bonds" strategy. "Age in bonds" has always seemed a little too "cute"...
by supersharpie
Thu May 01, 2014 2:32 am
 
Forum: Investing - Theory, News & General
Topic: Mea culpa [100% stock at 50]
Replies: 46
Views: 5414

Re: How to calculate living expenses 30 years from today?

Yikes...who waits to retire until they are too old to travel? That is the main appeal of retirement to me!
by supersharpie
Wed Apr 30, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How to calculate living expenses 30 years from today?
Replies: 13
Views: 1237

Purchasing first smartphone, need advice

After holding out for seven years since the introduction of the iPhone I am just about ready to purchase a pair of smartphones for myself and my wife. I hate the idea of adding additional monthly expenses and am looking for the most affordable combo of upfront phone cost and monthly bill for voice a...
by supersharpie
Wed Apr 30, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Purchasing first smartphone, need advice
Replies: 62
Views: 4336

Seattle and Portland, OR restaurant recommendations

My wife and I will be spending 11 nights combined in Seattle and Portland, OR in July and August. We enjoy a wide variety of cuisines and are looking forward to trying the best that each city has to offer. We are not averse to fine dining but prefer top notch food in a casual environment whenever po...
by supersharpie
Tue Apr 29, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1361

Re: San Francisco Restaurant Recommendations

I was there last year and can attest that Tony's makes an outstanding, international award winning, pizza. NOPA makes a phenomenol burger and offers a lot of other excellent choices at a reasonable price: http://www.yelp.com/biz/nopa-san-francisco We also had some very tasty pasta dishes at Allegro ...
by supersharpie
Tue Apr 29, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: San Francisco Restaurant Recommendations
Replies: 44
Views: 2918

Re: Recommended "All Inclusive" in Caribbean

I had an enjoyable time at the Iberostar Rose Hall Suites in Montego Bay, Jamaica. Beautiful property, good food for AI, great pool, OK beach (Negril offers far superior beaches), and a very friendly and accommodating staff. All the kids I observed seemed to be having a ball.
by supersharpie
Sun Apr 27, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Recommended "All Inclusive" in Caribbean
Replies: 8
Views: 2637

Re: Tell Me I'm Stupid To Consider Quitting My Job and Movin

OP - If you live frugally you have enough money to sustain you and your wife for the rest of your lives. Most people would be thrilled to be given the opportunity to live off $2,000,000 for 40 to 60 years. Travel, find a place you dig; buy an affordable there and spend the next few decades traveling...
by supersharpie
Thu Apr 24, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 123
Views: 28176

Re: Paying car loan vs. Investing in Roth IRA

You lose out long term because you miss out on the compounding tax free power of your Roth contribution. If you get a real return of 5% over the next 40 years that $1000 will be worth $7000 in 2014 dollars in 2054.
by supersharpie
Wed Apr 16, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying car loan vs. Investing in Roth IRA
Replies: 6
Views: 450

Re: Poll: Are you going to retire? And if so, when?

I am 30 now and want to retire as soon as possible. I am in the camp that feels "life is short, I could die tomorrow, the sooner I can pursue leisure/volunteer activities 24/7 the better." My hope is to retire after 25 years of Federal employment, assuming an "early retirement package...
by supersharpie
Mon Mar 10, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 5020

Re: Can I retire yet?

I was reading your opening post and really liked the total assets, the social security, and the pension. Then I got to the $580,00 mortgage, $120K in expenses, and $60K in travel. Wow! I have never in my life spent anywhere near that let alone each year. I would be worried about retiring with $2.5 ...
by supersharpie
Sun Mar 09, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire yet?
Replies: 85
Views: 6701

Re: 62 years old - starting all over again

Sounds like she panicked and sold out when the market bottomed out. If you are going to take on "a lot" of risk you have to be ready for the market to bottom out again. This time you cannot sell.
by supersharpie
Thu Mar 06, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: 62 years old - starting all over again
Replies: 27
Views: 4578

Re: Replace less than 80% of income in retirement?

OP, my wife and I are 30 and our combined income is around 130k. We are managing to save $35,000 a year to our 401ks. From 2010-2013 we were also able to max out out our Roth IRAs so we now have over 200k in retirement savings. It's a really good feeling knowing that we are putting ourselves in a po...
by supersharpie
Thu Mar 06, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Replace less than 80% of income in retirement?
Replies: 52
Views: 3429

Re: When is the best time to book a flight?

We put a significant premium on non-stop flights. However, if we wait for the usual "sweet spot" for low fares 8 weeks away from departure and discover that the non-stop is sold out it would not destroy our trip by any means.
by supersharpie
Thu Mar 06, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1271

Re: When is the best time to book a flight?

UGH! They jacked the fare up $100 in the last couple hours! I have learned my lesson, the next time it dips below $600 I will be buying!
by supersharpie
Thu Mar 06, 2014 1:58 am
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1271

Re: When is the best time to book a flight?

The Wizard wrote:There was a thread just TUESDAY on this very topic...


If you are referring to this thread:

viewtopic.php?f=11&t=134261&p=1981331&hilit=flight#p1981331

It addresses where, but not when, to book a flight.
by supersharpie
Wed Mar 05, 2014 9:54 am
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1271

Re: Question for Oenophiles!

The general rule of thumb with Pinots is that if you want a "varietally correct" wine you have to pay at least $30, usually more in the $40-$50 range.
by supersharpie
Wed Mar 05, 2014 9:53 am
 
Forum: Personal Consumer Issues
Topic: Question for Oenophiles!
Replies: 19
Views: 1354

When is the best time to book a flight?

I originally posted this in my Oregon/Seattle trip planning thread but thought it was a topic on it's own. The following includes specifics about the current decision I am facing but I am sure there is a general strategy to finding the cheapest fares that applies in most circumstances. I am surprise...
by supersharpie
Wed Mar 05, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: When is the best time to book a flight?
Replies: 11
Views: 1271

Re: Used $35k Porsche on $64k income?

I read this elsewhere, and wonder what do BH's say to this guy? Looking to get into a daily driver Porsche 997 2005-2008 between $30-34k, and want some advice. Maybe I'm overlooking something. I make $64k/yr (before taxes). Monthly take home AFTER taxes is $3726/Mo. So new car will be about half of...
by supersharpie
Tue Mar 04, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6849

Planning first trip to Oregon and Seattle - advice sought!

My wife and I had a terrific first trip to the west coast last year when we visited Napa, Yountville, Santa Cruz, Carmel, Monterey, Big Sur, Healdsburg, and San Francisco. Highlights were visiting Point Lobos State Park, dining outdoors at Nepenthe in Big Sur, visiting a number of wineries in Napa V...
by supersharpie
Tue Mar 04, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Planning first trip to Oregon and Seattle - advice sought!
Replies: 40
Views: 2209

Re: Are 20 somethings handicapped bc of inflation and little

If so, this is very, very scary... It might be scary to "20 something's" today but for retirement planning in a lot of ways they have it a lot easier than any prior generations. You need to compare their situation to prior generations. I will likely retire in a few years and when I was a ...
by supersharpie
Fri Feb 28, 2014 2:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10563

Re: Are 20 somethings handicapped bc of inflation and little

Anyone who thinks that Social Security will not be around in 30 to 40 years is watching way too much cable news and doesn't realize just how integral the system is to maintaining civil order in our country. Social Security does not just provide retirement benefits, although this is a common misconce...
by supersharpie
Fri Feb 28, 2014 2:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10563
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