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Re: Central AC and Forced Hot Air Heat (Gas)

This July would make my home 21 years old. I bought the house brand new. It is a Townhome and is around 1,800 sq. ft. My Central AC went but the heat is still working fine. Is there any advantage to do them both at the same time, or should I just take care of the AC and replace the heat when it sto...
by tacster
Thu Apr 17, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: Central AC and Forced Hot Air Heat (Gas)
Replies: 13
Views: 690

Re: Computer Speakers


+1 more. I'm using a set of A2's. Very good sound quality and solid bass output for such small speakers.
by tacster
Wed Apr 16, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 787

Re: Looking at top 1% for actionable insight

Basic Psychology: My success are due to hard work and my failures are due to bad luck. Your success are because of good luck and your failures are because your lazy.:) As always the truth is in between. Basic Pyschology: If I can convince you that your success is due to good luck, then my failures ...
by tacster
Tue Apr 15, 2014 10:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking at top 1% for actionable insight
Replies: 57
Views: 5235

Re: Stock markets in free fall?

jackpullo997 wrote:
Leeraar wrote:Has anyone noticed that the S&P 500 has plummeted to levels not seen since February 10, 2014?

L. :wink:


Is this for real? Or sarcastic?

The face with the winking eye provides a clue.
by tacster
Sat Apr 12, 2014 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6490

Re: Death of co-worker

Contrary to popular belief, it's my opinion that retirement obsession is for fools. Life is the journey, and the biggest regrets are of actions not taken. Living on Ramen noodles for 40 years only to die a few months after retirement is a lot more common than you think. Live the life you enjoy livi...
by tacster
Mon Mar 31, 2014 12:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9270

Re: 25 year old speeding ticket

So apparently your agency paid this fine back in 1988, without notifying you, and now they want their money back plus interest. Evidently their payment was in addition to your own payment, i.e. the fine was paid twice, and the recipient simply accepted both payments. So you don't have to prove the f...
by tacster
Fri Mar 21, 2014 12:39 pm
 
Forum: Personal Consumer Issues
Topic: 25 year old speeding ticket
Replies: 23
Views: 2373

Re: Federal Government Health Insurance Question

@ tacster - congrats on the retirement! Out of curiosity, which plan have you selected? Thank you. I highly recommend retirement as a lifestyle. :beer The plan I'm on is only available locally (WA State). I'm guessing you're in NY. I intend to move someplace sunnier eventually, then I'll be in your...
by tacster
Wed Mar 19, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 685

Re: Federal Government Health Insurance Question

Retired fed here - just fyi the gov't pays 75% of my health insurance premium.
by tacster
Tue Mar 18, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Federal Government Health Insurance Question
Replies: 7
Views: 685

Re: Bubble Behavior?

No. In the late 90's people all around me were daytrading stocks in their cubes. Can't remember the last time I have heard anyone even mention a stock. Had lunch with some new employees about a month back. One of them told me he had a buddy who sold his house and car and started a day trading busin...
by tacster
Mon Mar 17, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Bubble Behavior?
Replies: 18
Views: 2010

Re: Are Rheem gas water heaters good quality?

I've had the same Rheem gas water heater in my house since 1994. Never been drained, still going strong. I suppose one of these years it will fail. I'd get another.
by tacster
Sun Mar 16, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: Are Rheem gas water heaters good quality?
Replies: 16
Views: 1401

Re: Do you love your job? What do you do?

I love my retirement. :beer
by tacster
Sun Mar 16, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you love your job? What do you do?
Replies: 134
Views: 10076

Re: What video games are you currently playing?

Just finished The Room on android. Surprisingly fun puzzle game.
by tacster
Wed Mar 12, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 4204

Re: Poll: When did you retire? Would you do it all over agai

However retirement may be dangerous to your health, mood and relationship. No, it's WORK that's dangerous to those things. Would you have changed anything? What would you wish you had known beforehand? I would have started saving more, earlier, so I could have retired earlier than I did (age 57).
by tacster
Mon Mar 10, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When did you retire? Would you do it all over again ?
Replies: 103
Views: 10677

Re: Savers remorse ?

Professor Emeritus wrote: What do you regret NOT spending money on?


Nothing. However, there are a great many things I DO regret spending money on.
by tacster
Thu Mar 06, 2014 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11166

Re: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?

I tether with an Android phone using t-mobile's $3 day-pass option. You get 200 MB at 4G, then unlimited at low speed for 1 day (resets at midnight). This works well for me, because I need a pay-as-you-go phone anyway and I rarely need data, other than wifi. You pay the $3 on any day you need to ac...
by tacster
Sun Feb 02, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use Wifi hotspot (aka "MyFi") - Karma?
Replies: 18
Views: 1315

Re: Your Experience With Costco Mail Order Pharmacy?

I've been using Costco in store and/or mail order pharmacy for years. Perfectly satisfied with their service and prices, no negative experiences at all.
by tacster
Sat Feb 01, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: Your Experience With Costco Mail Order Pharmacy?
Replies: 10
Views: 1044

Re: Seattle as a place to live?

Much buzz in the Seattle area about how Portland has done so many more things right--traffic, public transportation, open space. Seattle traffic can be horrendous. And while there are some charming neighborhoods like Ballard, the city as a whole has a cold feel to me. A local free newspaper runs a ...
by tacster
Sat Jan 25, 2014 1:05 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6264

Re: Churning credit cards for air miles, need help

As noted by a previous poster, reward seats can be hard to book. How far in advance do people try to book these reward seats? For example to get 4 tickets on a domestic round trip flight cheaply paying cash I booked an upcoming vacation 6 months in advance. I just booked a nonstop Seattle to London...
by tacster
Mon Jan 20, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Churning credit cards for air miles, need help
Replies: 35
Views: 2901

Re: Low Income, High Net Worth - Stories Of

6. Having kids is a huge financial drain. Even with all of the above, on a modest income, my view is, with kids, you have a choice - you won't be able to travel, save for retirement, buy a house, and have financial security (not including home & retirement). At best, you may have two of those (...
by tacster
Sat Jan 18, 2014 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low Income, High Net Worth - Stories Of
Replies: 76
Views: 11759

Re: percolator vs drip

Aeropress.
by tacster
Wed Jan 15, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: percolator vs drip
Replies: 109
Views: 4792

Re: TurboTax discount for Amazon Prime folks

Does Deluxe include the schedules for interest/dividends and capital gains?
by tacster
Wed Jan 15, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: TurboTax discount for Amazon Prime folks
Replies: 4
Views: 981

Re: Do I pay taxes today or when I retire?

I can't believe you all are missing the most efficient reason for tax deferred. You are missing the difference between effective tax and marginal tax. you are investing money at your top tax bracket at lets say 30%. But when you withdraw, you have to fill all the lower tax brackets 1st so you withd...
by tacster
Sun Jan 05, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Do I pay taxes today or when I retire?
Replies: 63
Views: 3491

Re: Credit Card Bonuses

Doesn't canceling the card hurt your credit score??? I've always been interested in doing this but have been too afraid to try. Supposedly these credit card shuffles have a small effect on credit score, but as others have said it may not matter much. I only do it if the reward is great enough, for ...
by tacster
Tue Dec 31, 2013 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Card Bonuses
Replies: 67
Views: 4057

Re: 10 year treasuries hit 3 percent.

Groundhog wrote:That's good news for the TSP G Fund. Might hit 2.5% rate in January. It's been 2.5 years since it was that high.

Yep good news for us soon-to-be Federal retirees. :beer
by tacster
Tue Dec 31, 2013 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 10 year treasuries hit 3 percent.
Replies: 24
Views: 2934

Re: The perpetual dynasty trusts of South Dakota

I want to know how to earn 12% a year for 85 years.
by tacster
Sat Dec 28, 2013 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: The perpetual dynasty trusts of South Dakota
Replies: 7
Views: 1995

Re: What percentage of your income are you saving?

It's time to lock this thread. [Two previous posts removed --admin LadyGeek]
by tacster
Sun Dec 15, 2013 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11664

Re: What percentage of your income are you saving?

Currently investing 49% of income. Calculated by adding annual contributions to TSP, IRA, and taxable funds and dividing by gross income. Does not include any employer match. This will all change when I retire next month at age 57. I didn't start investing at all until after age 30, so needed a rela...
by tacster
Sat Dec 14, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 11664

Re: Any bogleheads work "for the dark side"?

If you take this job, what will you say if a customer asks if you invest your own money in the products you're selling?
by tacster
Sat Dec 14, 2013 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Any bogleheads work "for the dark side"?
Replies: 36
Views: 4015

Re: Insurance tracking your car

Which is the safer driver? a) Always obeys speed limits, but... usually on the phone (which, whether aware or not, does indeed occupy at least 10-20% of your focus), often texting, putting on makeup, fiddling with radio, seldom scans mirrors, doesn't leave a safe distance to cars ahead, doesn't adj...
by tacster
Sun Oct 27, 2013 10:26 am
 
Forum: Personal Consumer Issues
Topic: Insurance tracking your car
Replies: 49
Views: 2273

Q's re current interest rates and use of G vice bond funds

The quote below is from a wshang post in the Boglehead Conference thread: wshang: Great Conference! Looking over my notes, among the most noteworthy came from Dr. Pfau: -The first ten years of retirement will determine the long-term survival of the portfolio (80% of outcome) -A rising equity allocat...
by tacster
Sun Oct 20, 2013 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Q's re current interest rates and use of G vice bond funds
Replies: 0
Views: 197

Re: Giving notice...how much time?

I'm retiring in three months. I kinda thought about not telling them at all and just letting them figure out why I'm not showing up anymore, but...nah. I'll give them a couple months notice and hand off my workload like a good soon-to-be-ex employee. :)
by tacster
Sun Oct 13, 2013 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4686

Re: If a job offers TSP is that a federal employee position?

To the OP - Federal job security may not be as secure as it used to be. I wouldn't be terribly surprised to see a significant round of RIF's if sequestration remains in place. "Did DOE research lab employees lose federal employee status and access to TSP when the labs were converted to private ...
by tacster
Sun Oct 06, 2013 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: If a job offers TSP is that a federal employee position?
Replies: 11
Views: 924

Re: TSP Time to fly to Safety in G Fund?

I wish I had faith that facing a never-before potential default of the U.S., and perhaps extraordinary measures to be taken by the White House next week, I would be comfortable having my AA where it was the other day. Being close to retirement (target date April 2016), I feel like I need to reduce ...
by tacster
Fri Oct 04, 2013 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Time to fly to Safety in G Fund?
Replies: 54
Views: 4995

Re: TSP Time to fly to Safety in G Fund?

I was contemplating shifting some from the G fund to the various stock funds, but...nah. They haven't dropped enough to tempt me, at least not yet. Stay the course.

BTW OP, best of luck on deciding when to jump back in. Heck, maybe you'll even come out ahead.
by tacster
Thu Oct 03, 2013 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: TSP Time to fly to Safety in G Fund?
Replies: 54
Views: 4995

Re: How did you/you child pay for college?

I paid for my own college education with a combination of veteran's benefits, part time jobs, grants, loans, and a co-op (final two years). Nothing from parents. It worked out fine.
by tacster
Sat Sep 28, 2013 12:23 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8463

Re: How Close Are You To Your Number and Financial Independe

Reached my minimum number earlier this year, retiring next January at age 57. Sixty five working days left...in my life...not that I'm counting, mind you. I could work longer to accumulate a bigger cushion and a bit more retirement income, but I enjoy active hobbies and want to retire young and heal...
by tacster
Sat Sep 28, 2013 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Close Are You To Your Number and Financial Independence?
Replies: 71
Views: 6195

Re: Flooring fiasco

The floor is supposed to be nailed down very tightly, to prevent squeaking. Not sure it's possible to make it too tight. Did the contractor make sure the subfloor was as level and smooth as possible before installing the flooring? If the subfloor is uneven, nailheads sticking up, whatever, that migh...
by tacster
Wed Sep 18, 2013 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Flooring fiasco
Replies: 22
Views: 2186

Re: My firecalc need for certainty

here's how i see it..... i'm 40 now. "expectation of life" for a 40 year old based on 2008 data ( http://www.cdc.gov/nchs/data/nvsr/nvsr61/nvsr61_03.pdf page 10) is 40.1 years. (80.1 years total) male life expectancy all races 40 years ago was 67.1 years total. a 13 year increase in expec...
by tacster
Fri Sep 06, 2013 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: My firecalc need for certainty
Replies: 20
Views: 1510

Re: BodyFlying

Has anyone done BodyFlying? Is it as easy as it looks in the video ? Victoria Yes I've done that. Years ago there was one of those places in Las Vegas. It was indoors, think it was called Fly Away or something like that. They wouldn't let you try flips or anything tricky until you'd been there seve...
by tacster
Tue Aug 20, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: BodyFlying
Replies: 32
Views: 2564

Re: BodyFlying

Has anyone done BodyFlying? Is it as easy as it looks in the video ? Victoria Yes I've done that. Years ago there was one of those places in Las Vegas. It was indoors, think it was called Fly Away or something like that. They wouldn't let you try flips or anything tricky until you'd been there seve...
by tacster
Mon Aug 19, 2013 9:24 pm
 
Forum: Personal Consumer Issues
Topic: BodyFlying
Replies: 32
Views: 2564

Re: Got a PC: Clean crapware & other questions?

This is one of the reasons many of us build our own PC's. Yes the first time it costs a little more than OEM, but the product is superior. Follow-on builds can often reuse some components for a bit of cost savings. It's easier than people think.
by tacster
Sun Aug 04, 2013 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Got a PC: Clean crapware & other questions?
Replies: 31
Views: 3603

Re: Skylight shades?

There are motorized skylight shades out there if you don't mind spending the $$$. I just use an extendable painter's pole with a hook on the end. Works fine.
by tacster
Sat Jul 27, 2013 9:57 am
 
Forum: Personal Consumer Issues
Topic: Skylight shades?
Replies: 1
Views: 214

Re: Road trip: Chicago to Yellowstone

Avoid the highly advertised tourist traps around the Black Hills. The best places to see and things to do are not advertised much. A few suggestions when you're in that area: -Wind Cave National Park (the wild cave tour is best but must be reserved in advance). -Jewel Cave National Monument. -Drive ...
by tacster
Sun Jul 21, 2013 11:28 am
 
Forum: Personal Consumer Issues
Topic: Road trip: Chicago to Yellowstone
Replies: 27
Views: 2179

Re: Quality Sunglasses

I have a pair of prescription Oakley's that are the best quality glasses I've ever owned. Crystal clear, razor sharp, and distortion free from edge to edge. I've had them something like ten years and in that time have managed to break the frame twice (not easy to do), and both times Oakley replaced ...
by tacster
Fri Jun 28, 2013 11:14 pm
 
Forum: Personal Consumer Issues
Topic: Quality Sunglasses
Replies: 52
Views: 5768

Re: Invest large sum at this time

Select an appropriate asset allocation, write the allocation down in an investment plan, then invest all at once in accordance with the plan.
by tacster
Mon Jun 03, 2013 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest large sum at this time
Replies: 6
Views: 743

Re: Your biggest work victory?

3504PIR wrote:Ended up in a running firefight on the Pakistani border outnumbered about 3 to 1 and didn't lose anyone while taking out several score of the bad guys.

Now that's a victory. :thumbsup
by tacster
Sat May 18, 2013 7:19 pm
 
Forum: Personal Consumer Issues
Topic: Your biggest work victory?
Replies: 53
Views: 5118

Re: to invest now or wait?

Thanks for your answers. I plan 40% in stock index, 10% Vanguard fund dividend appreciation, 50% bonds. I allocated 50% of planned bonds, but stuck with equities, don't have a nerve :-) probably should do in smaller parts on schedule. I never had to deal with significant amount in one shot. enret Y...
by tacster
Sat May 18, 2013 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: to invest now or wait?
Replies: 27
Views: 3080

Re: disregarding ''daily noise"

It's not just the mass media noise. You should also ignore the fear mongers, including those frequenting this forum. The topic of bonds comes to mind.
by tacster
Fri May 17, 2013 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: disregarding ''daily noise"
Replies: 34
Views: 2021

Re: Nit-picking DFA's presentation of "diversification"

Random Musings wrote:Maybe DFA just got a case of the Vapors.

They're turning Japanese
I think they're turning Japanese
I really think so

RM

lol haven't heard that song in ages. Thanks for the memory rush.
by tacster
Sat May 11, 2013 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Nit-picking DFA's presentation of "diversification"
Replies: 16
Views: 999

Re: My life and investing

I'm pretty sure I didn't have 100k saved up at age 40 either. I'm now 56 and in good shape to retire next year. Don't worry too much about where you're at right now, just keep investing, gradually increase your savings rate, and don't blow it by trying to time the market. Considering you've only bee...
by tacster
Sat May 04, 2013 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: My life and investing
Replies: 23
Views: 2652
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