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by tacster
Sat May 16, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: Home Prices Are Way Too High
Replies: 26
Views: 3645

Re: Home Prices Are Way Too High

Renting would not have been a better option for me. I bought a condo for $81,000 in 1994, just sold it for $190,000. In addition to the appreciation in value, thanks to the mortgage interest and property tax deductions, I was able to itemize my federal deductions, getting back about $1,000 more eac...
by tacster
Mon May 11, 2015 10:17 am
Forum: Personal Finance (Not Investing)
Topic: New car, lease or buy?
Replies: 33
Views: 1322

Re: New car, lease or buy?

brucesprings wrote: Girlfriend likes keeping cars a long time

Don't let the salesman talk her into a lease.
by tacster
Sat May 09, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Selling house; what to fix, what to leave?
Replies: 26
Views: 2186

Re: Selling house; what to fix, what to leave?

EasilyConfused wrote:When you can't tell how to win, do the least expensive thing.

Words of wisdom.
by tacster
Thu May 07, 2015 6:12 pm
Forum: Personal Consumer Issues
Topic: New car vs used car -- what's your approach?
Replies: 57
Views: 2849

Re: New car vs used car -- what's your approach?

Since you're not firm yet on a specific make or model, I'd suggest renting the candidate cars for a day or two each if possible. Put on some mileage in a variety of driving conditions. That gets you an effective test ride with no pressure from a dealer looking over your shoulder. Should make it easi...
by tacster
Wed May 06, 2015 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What are the Pro's and Con's of Retiring in Amarillo, TX
Replies: 89
Views: 5439

Re: What are the Pro's and Con's of Retiring in Amarillo, TX

takeshi wrote:
livesoft wrote:Texas is a big state, so there are plenty of decent places in Texas to live. Do you want small, medium, large, humongous town? Do you want red dust or grassy prairie or lush forest or swamp or ocean?

See also:
https://www.youtube.com/watch?v=JREkqCvLzSo

:D
by tacster
Fri May 01, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Analysis of TIAA-CREF Active vs. DFA and Vanguard
Replies: 8
Views: 937

Re: Analysis of TIAA-CREF Active vs. DFA and Vanguard

sharpjm wrote:In the link the OP provided, there is more space covered with ads than there is with text.

I will draw conclusions based on this observation rather than what the article was about.

Two words: Adblock Plus.
by tacster
Mon Apr 06, 2015 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1280

Re: Pay off mortgage before selling house?

Thanks for the replies. I won't carry financing for a buyer so no issue there. Wasn't aware of all those fees but when the time comes I will ask the real estate agent about those things. They should know if any could be avoided by mortgage payoff in advance.
by tacster
Mon Apr 06, 2015 10:40 am
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 16
Views: 2957

Re:

I'm able to shelter most assets from a lawsuit because most of my investments are in 401K or IRA type accounts. That being said, I think it's wise to have maxed out auto liability and even at least one million umbrella policy. I pay about $250 though Liberty Mutual for the umbrella coverage. It's l...
by tacster
Mon Apr 06, 2015 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage before selling house?
Replies: 10
Views: 1280

Pay off mortgage before selling house?

I'm considering selling my house in the near future, and wondering if there's any reason to pay off the mortgage first. The outstanding balance is around $11k and I have sufficient cash on hand to cover it. I haven't bothered paying it off because the interest rate is very low and payments are only ...
by tacster
Fri Mar 27, 2015 7:51 pm
Forum: Personal Consumer Issues
Topic: Sued and won for drycleaner losing suit, suit now found.
Replies: 86
Views: 8406

Re: Sued and won for drycleaner losing suit, suit now found.

To the OP - just curious, how much is this suit (the clothing) worth?
by tacster
Thu Mar 05, 2015 10:35 am
Forum: Personal Consumer Issues
Topic: Black Hills SD, where to stay?
Replies: 17
Views: 1396

Re: Black Hills SD, where to stay?

You didn't state your lodging budget, but there are many VRBO properties throughout the Hills.
by tacster
Sun Mar 01, 2015 11:53 am
Forum: Personal Consumer Issues
Topic: airbnb tips?
Replies: 20
Views: 1850

Re: airbnb tips?

I've used AirBnB a number of times with no issues at all. In one case, I had to cancel an AirBnB reservation one day before arrival because I got injured in a bicycle crash. I fully expected to lose my payment and considered that the least of my worries. Well, without me even asking, AirBnB and the ...
by tacster
Fri Feb 27, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1585

Re: Father / Son Deep Sea Fishing Trip

I think a lot of it depends on the type of fishing you're doing and the people on the boat. Around here it takes 4 to 5 hours (one-way)to get to the offshore fishing grounds and most trips are overnight, so if someone is sick after the first hour then it is completely irresponsible to keep going. Y...
by tacster
Fri Feb 27, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Father / Son Deep Sea Fishing Trip
Replies: 21
Views: 1585

Re: Father / Son Deep Sea Fishing Trip

Very surprising to hear the above posts about charter captains turning a boat around for seasick passengers. I've been on a number offshore salmon and halibut fishing charters in the Pacific Northwest, and if someone got seasick (a routine occurrence) they simply had to tough it out until the trip w...
by tacster
Sun Feb 08, 2015 12:45 pm
Forum: Personal Consumer Issues
Topic: Sleeping bags for cold weather
Replies: 30
Views: 2462

Re: Sleeping bags for cold weather

Surprised no one's mentioned down backpacking quilts. Much more versatile than sleeping bags, lighter to carry, less constricting, can be opened up for warmer temps or snugged down when colder. Obviously have to be used with a good insulated ground pad but you need that anyway with a sleeping bag. O...
by tacster
Wed Jan 21, 2015 1:49 pm
Forum: Personal Consumer Issues
Topic: Riverboat Cruising in US
Replies: 5
Views: 937

Re: Riverboat Cruising in US

The trip up the Columbia is very scenic. The river passes through a variety of landscapes, from wet coastal forests to arid desertlike terrain on the east side of the Cascades. Locking up through the various dams is also an interesting experience. I've made this trip many times onboard commercial tu...
by tacster
Tue Jan 20, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7443

Re: What price are you planning to pay for your next car?

Current vehicle is a 2000 Toyota Tacoma bought new that just went over 120,000 miles. Next vehicle will be a full size pickup in the $30-40k range once I save up that much non-earmarked cash, probably in the next 2-3 years. Thought about going with some sort of luxury car instead, but pickups are ju...
by tacster
Tue Jan 13, 2015 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6492

Re: Dazed, Confused and Upset

macheta wrote:I wonder why they don't have more regulation around this type of business.

Largely because these businesses employ lobbyists to prevent such regulations from being passed.
by tacster
Tue Jan 13, 2015 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Bought more REITs today
Replies: 48
Views: 4788

Re: Bought more REITs today

InvestorNewb wrote:I used the available space in my tax-deferred account today to buy more shares of VNQ at $85.9.

Looking back at my original post over a year ago, it wasn't such a bad move after all.

Careful Newb. Confusing strategy with outcome has led to many a fall.
by tacster
Sun Dec 28, 2014 12:44 pm
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 10253

Re: Facebook is Outrageous

Aaahh, this subject brings back memories from 1999...cubicle debates over valuations of the latest and greatest internet stocks...angst over lack of access to IPO's...guesses about when the bubble would end...good stuff! Well, I was there from 1995 onwards, and I am sorry to say but times now are N...
by tacster
Sun Dec 28, 2014 11:50 am
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 23
Views: 2064

Re: Any Cyclists With a Brooks Saddle?

When I first got my Brooks saddle it felt like sitting on a 2x4. After about a thousand miles of riding it still felt like sitting on a 2x4, so I ebay'd it for what I had in it. Nice saddle but it just didn't work for me.
by tacster
Sun Dec 28, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: retirement spending covered by SS
Replies: 34
Views: 2570

Re: retirement spending covered by SS

Zero. Retired but not old enough for SS yet.
by tacster
Sun Dec 28, 2014 11:02 am
Forum: Investing - Theory, News & General
Topic: Retiree Poll:What is your current AA?
Replies: 85
Views: 7261

Re: Retiree Poll:What is your current AA?

jfn111 wrote:close to 50/50 and 58 years old.

Ditto.
by tacster
Sun Dec 28, 2014 11:01 am
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 10253

Re: Facebook is Outrageous

Aaahh, this subject brings back memories from 1999...cubicle debates over valuations of the latest and greatest internet stocks...angst over lack of access to IPO's...guesses about when the bubble would end...good stuff!
by tacster
Wed Dec 24, 2014 7:50 pm
Forum: Personal Consumer Issues
Topic: Leaf blower (& Gutter cleaner) recommendations
Replies: 18
Views: 1963

Re: Leaf blower (& Gutter cleaner) recommendations

Another vote for gas powered Stihl. I use mine a lot and it's been completely reliable and very powerful. I've yet to find any type of gutter guard that doesn't clog up, so I've resigned myself to walking the roof several times per year to blast out the leaves and debris.
by tacster
Wed Dec 17, 2014 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: AA for Early Retirement
Replies: 21
Views: 2460

Re: AA for Early Retirement

Retired at 57 with AA around 55% bonds and G fund, 45% equities. That AA fits my risk tolerance. I plan to increase FI percentage over time to more or less match my age. Currently withdrawing just under 3% of initial portfolio balance because that's what meets my income needs. IMO 2% is unnecessaril...
by tacster
Tue Dec 16, 2014 6:25 pm
Forum: Investing - Theory, News & General
Topic: RBD in Emerging Markets Brewing
Replies: 41
Views: 4479

Re: RBD in Emerging Markets Brewing

livesoft wrote:
grap0013 wrote:Livesoft, care to give us a number for total return for VWO for 2015?

No.

Aww, come on...we won't hold you to it. :twisted:
by tacster
Mon Dec 15, 2014 7:44 pm
Forum: Personal Consumer Issues
Topic: Oregon wine tour
Replies: 5
Views: 660

Re: Oregon wine tour

Well if you find yourself in northern Oregon you might consider crossing the border into Washington as well. There are many wineries in the area from Yakima to Tri-Cities to Walla Walla. The drive along the Columbia River is quite scenic if you're into that. Staying on the east side of the Cascades ...
by tacster
Mon Dec 15, 2014 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Insurance and Medicare
Replies: 8
Views: 536

Re: Federal Retiree Insurance and Medicare

I retired this past January. I am also a vet. I signed up for Medicare A when I turned sixty-five. I was planning to enroll in Medicare B after I retired; however, because I am getting all my health care at the VA, I decided not to enroll in Medicare B, and I also my planning to drop my FEHB. What ...
by tacster
Sun Dec 14, 2014 5:32 pm
Forum: Personal Consumer Issues
Topic: Taste testing wine at home
Replies: 23
Views: 1835

Re: Taste testing wine at home

Do you live near any wineries? Lots of them have sampling rooms.
by tacster
Sun Dec 07, 2014 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: No Fee Annuity?
Replies: 14
Views: 1622

Re: No Fee Annuity?

Hello, To clairify: I think what is being offered by Washington State is a Single Premium Immediate Annuity. Supposedly there are no fees; I don't know if there is a connection to interest rates. As I said, I currently have $275,000 in a multi-asset account ( The Total Asset Portfolio offered throu...
by tacster
Wed Dec 03, 2014 10:15 am
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4317

Re: Unbroken!

My son and I want to see the movie! Looks great!! Hate to be the bearer of bad news but in my opinion very rarely does a movie come up to level of book, which I agree was exceptional. Seems to me that movies based on books are designed for an audience that does not read many books. But there is alw...
by tacster
Fri Nov 28, 2014 11:28 pm
Forum: Personal Consumer Issues
Topic: Unbroken!
Replies: 20
Views: 4317

Re: Unbroken!

ThankYouJack wrote:If you really like Unbroken, you'll probably enjoy We Die Alone too. Both absolutely incredible stories

And "The Forgotten Highlander".
by tacster
Thu Nov 27, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How to calculate pension into retirement calculations
Replies: 4
Views: 557

Re: How to calculate pension into retirement calculations

Estimate how much annual income you'll need in retirement. Subtract your expected pension and disability income from that. The remainder will need to be covered by your retirement nest egg. That's about all there is to it.
by tacster
Thu Nov 27, 2014 12:03 am
Forum: Personal Consumer Issues
Topic: Engineered Hardwood Floors
Replies: 14
Views: 2666

Re: Engineered Hardwood Floors

Your installer is trying to deflect fault from his poor workmanship by blaming the product. There is absolutely nothing wrong with Bellawood. I installed 3/4" Bellawood Brazilian Cherry plank in my home myself over a decade ago and have had zero problems, no creaking, no gaps, no buckling, noth...
by tacster
Tue Nov 25, 2014 4:56 pm
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 11129

Re: Favorite nonfiction books

Unbroken is undoubtedly one of mine, and it's on sale for the Kindle today for $3. I plan to see the movie with my parents on Christmas Day. Same here. Read that book early this year and I am still in awe of that book. Probably the best book I've read in my lifetime. In the same vein check out &quo...
by tacster
Tue Nov 18, 2014 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 12210

Re: Heads up best reward credit card I've seen.

rai wrote:... we spend $10,000 in gas a year...

:shock:
by tacster
Fri Nov 14, 2014 12:31 pm
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 3034

Re: Father of eight hasn’t saved a penny for college

I paid for my own college. It builds character. Join the military, that really builds character. Or do a thousand other things because I know plenty of folks who went to college on their own dime but character wasn't built while there. Character is built from the act of doing, warming a seat over t...
by tacster
Wed Nov 05, 2014 8:37 pm
Forum: Personal Consumer Issues
Topic: Selected photos of recent bicycle ride across New York
Replies: 13
Views: 1348

Re: Selected photos of recent bicycle ride across New York

I bought a bike that comes apart and fits into a suitcase. So, I fly with my bike as checked luggage. This used to be free (still is with Southwest) but now generates a baggage charge, though much less than if one checks a "normal sized" bike. My bike uses S&S couplers: http://www.san...
by tacster
Mon Nov 03, 2014 1:49 pm
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1999

Re: Photos from my recent bicycle ride across Wales

toofache32 wrote:This is a non-actionable post.

Per the forum posting guidelines, allowable posts include "recreational and leisure activities: travel, sports and entertainment".
by tacster
Sun Nov 02, 2014 10:47 am
Forum: Personal Consumer Issues
Topic: Photos from my recent bicycle ride across Wales
Replies: 16
Views: 1999

Re: Photos from my recent bicycle ride across Wales

I'm curious about the logistics of getting a bicycle from the States to Wales - details? I recently visited Wales and drove a rental car from Caernarfon to Cardiff. Man those roads are narrow. Don't know if I'd have the nerve to ride a bike there, but it sure would be a great way to see the scenery.
by tacster
Fri Oct 24, 2014 11:48 am
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4696

Re: Mr. Market turns on Amazon

I do know from friends who worked there in the UK that it is famously hard nosed and hard working as a place to work. From the people down in the warehouses (who are electronically tracked, receive counselling about bleeding feet , and are 'encouraged' by their managers to increase productivity, or...
by tacster
Thu Oct 16, 2014 11:39 am
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3479

Re: Your personal risk level: Got your flu shot yet?

Why has this medical advice thread not been locked?
by tacster
Sat Sep 13, 2014 4:52 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Do you own your primary residence?
Replies: 18
Views: 1706

Re: Retiree Poll: Do you own your primary residence?

Not yet but I just retired a few months ago. My mortgage rate and payments are so low I haven't bothered to pay it off. Suppose I'll go ahead and do that one of these days. :beer
by tacster
Mon Sep 01, 2014 9:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 118945

Re: What Movie Have You [Recently] Watched?

"The Short Game"

Highly recommended even if you're not a golf fan.
by tacster
Fri Jun 13, 2014 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 97
Views: 16099

Re: I cannot make the jump and retire

I have been trying to retire for at least a year but I don't have the courage to make the jump. Turned 49 this year. The sad truth is that I get some enjoyment from watching my net worth grow every year. But I just feel burnt out. How did you make the jump and quit your job ? How long did it take b...
by tacster
Tue Jun 10, 2014 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 279
Views: 30007

Re: Roll Call for the Retirement Class of 2014!

The average retirement age of those who posted their ages is 59.52. Folks sure are retiring earlier and earlier. That's largely a function of people on this board tending to be above average earners and savers. According to Gallup, the average US retirement age is now 62 and has been trending up fo...
by tacster
Fri Jun 06, 2014 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Pin and Chip Cards coming to the US
Replies: 71
Views: 6196

Re: Pin and Chip Cards coming to the US

As another poster has stated, buying train, subway, bus tickets is almost impossible without chip and pin and, if possible at all, you stand in a huge line with all the other people who don't know how to use the machine. Hmm, I just finished a trip to the UK, and bought all those things with my pla...

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