Search found 1167 matches

by 2comma
Sat Feb 24, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 4
Views: 197

Re: Playa del Carmen Vacation -- Excursion and Restaurant tips

We've only been thru Playa twice so no specific recommendations. We are divers so go to Cozumel and we dove a Cenote (underground river) south of Playa. I checked and I see they have snorkeling in the Dos Ojos Cenote if that's something might interest you. I assume you already know about the Mayan r...
by 2comma
Fri Feb 23, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Pay Learnvest for Financial Advice to Convince Wife?
Replies: 29
Views: 1554

Re: Should I Pay Learnvest for Financial Advice to Convince Wife?

Hopefully getting some "expert" (whatever that is in her eyes) will help. Unfortunately her bad logic is going to change your future so I'd fight back hard with good logic. There is a lot of information available to refute what she thinks or probably fears. I'd read up on why investing has historica...
by 2comma
Sun Feb 18, 2018 1:24 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10744

Re: What has been your most important skill in achieving financial independence?

All of the above but I'll add being able to take in the big picture and this applies to all aspects of life. After I got a BA in psychology I found there were no jobs. I decided computer science had lots of jobs and worked toward that. When my first employer was acquired and there was talk of layoff...
by 2comma
Sat Feb 17, 2018 2:09 am
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2777

Re: The value of car body repairs/upkeep of older cars?

I have a 19 year old Honda in the midwest that has zero rust. YMMV. As far as repair, look at the quote cost, but personally I'd probably just skip cosmetic repairs and only try to halt the rust's progression and make sure there's nothing going on with rust underneath. Your car could easily run for...
by 2comma
Wed Feb 14, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 1588

Re: Obligation to use car insurance proceeds?

No legal or moral obligation to use the check to repair. I knew a guy that had his car hit 3 times and he pocketed the check each time. He said he couldn't afford to get rid of the car, it was a goldmine.
by 2comma
Wed Feb 14, 2018 12:24 am
Forum: Personal Finance (Not Investing)
Topic: The value of car body repairs/upkeep of older cars?
Replies: 33
Views: 2777

Re: The value of car body repairs/upkeep of older cars?

Thanks for the responses guys. I guess I'll see what the quote ends up being and probably lean towards a no. Just seems like such a shame to watch the body go That sounds like a good way to look at it. If it was only a few hundred bucks and it gives you a few more years of use I'd consider it but I...
by 2comma
Sun Feb 11, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Mesh wifi solution sought for new house
Replies: 45
Views: 2171

Re: Mesh wifi solution sought for new house

Wired connection always works much better than wireless. So, before we try wireless mesh and so on, use Airport Extreme on wired connection should be your first choice. I have no doubt that wired is better than wireless; that's why I installed home runs during my previous renovation at my existing ...
by 2comma
Sat Feb 10, 2018 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 3559

Re: Help Sell FIRE to spouse

It helps if you come home every night for years and complain about how bad work has gotten - that's what I did. I do all the financial planning in our marriage and she is the one who's eyes gloss over whenever I try to discuss it. When rumors started at work about an early buyout offer I'd say somet...
by 2comma
Wed Feb 07, 2018 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 245
Views: 15854

Re: free dinner investing seminar

Got a postcard in the mail. Estates & trusts. FREE dinner!!! Normally I would toss without a thought. Then I look at the date. Feb 14th. Hmmm, why is that familiar? Ohhh, Valentines Day!!! Free dinner on the busiest night of the year for couples? This is either going to be great...or a disaster. I'...
by 2comma
Tue Feb 06, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Ever Thought of Suing (or Sued) A Waterproofing Company?
Replies: 20
Views: 1541

Re: Ever Thought of Suing (or Sued) A Waterproofing Company?

I don't know about waterproofing but we had an ice maker line burst one winter - it was in the attic so it went thru the insulation, ceiling and down to the carpet. The water damage remediation for the carpet included spraying an vacuuming out the bulk of the water, pulling up the corners and instal...
by 2comma
Mon Feb 05, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: Internet Speed 15Mbps okay ?
Replies: 27
Views: 1916

Re: Internet Speed 15Mbps okay ?

Another 2 person household where 12Mbps (actually saw 15 on ATT) was fine for us. Upgraded to 24 and it's barely noticeably quicker when you load a Netflix movie, maybe a second or two quicker. You should be fine.
by 2comma
Fri Jan 26, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check of SS with less than 35 years earnings
Replies: 31
Views: 3621

Re: Sanity check of SS with less than 35 years earnings

I had around 33 years and compared retiring at 58 vs 62 as I remember it wasn't a deciding factor. I think when you hear "be sure to check the effect on SS" they are often talking about someone retiring much earlier.
by 2comma
Thu Jan 25, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 6820

Re: Turn 75,000 into 1 million

It took me 25 years to hit 1M with an 80/20 three fund portfolio but I got lucky with an early buyout that paid two years of pay. Then again I started out contributing less that the max and increased it with every raise and when I was eligible for catch-up contributions I did that too. If you also m...
by 2comma
Thu Jan 25, 2018 11:13 pm
Forum: Personal Consumer Issues
Topic: Your favorite beach vacation destination?
Replies: 64
Views: 5145

Re: Your favorite beach vacation destination?

They could really use your business but I assume you've checked conditions on St John and they just aren't ready yet. We've been chartering sailboats out of St Thomas and the BVI for years and we are planning on going again this year to help out with our tourist dollars. I know that most of the char...
by 2comma
Thu Jan 25, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Dear wife quits job and now we are down to 1 income
Replies: 190
Views: 16269

Re: Dear wife quits job and now we are down to 1 income

Just to give an example of cost cutting from someone who is 62, retired and could easily spend more. cell plan $10 do own landscaping $0 gym is walking (you can add other exercises as desired) $0 Internet $60 Netflix $12 OTA tv $0 Alarm $0 Lunch once a week $48/mo I change my own engine oil, replace...
by 2comma
Tue Jan 23, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Using disinfecting wipes to clean surfaces
Replies: 48
Views: 3067

Re: Using disinfecting wipes to clean surfaces

Unless you or someone in your house is at a high risk for infections or actively has an illness you are trying to prevent spreading there is no point in doing this. The same germs that are on the toilet seat are all over the walls of the bathroom and likely your toothbrush too. There is a good myth...
by 2comma
Tue Jan 23, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: Which tropical Island to Retire to ?
Replies: 61
Views: 5140

Re: Which tropical Island to Retire to ?

Almost no tropical islands mentioned. How about US Virgin Islands. Met a hospital inspector at the airport in St. Thomas and he said it evaluated very well. There are several flights per day back to the states from STT airport. St John is very nice and most of the island is a national park. Some peo...
by 2comma
Mon Jan 22, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy a business or suck it up at a job(s) with a pension.
Replies: 82
Views: 5945

Re: Should I buy a business or suck it up at a job(s) with a pension.

Vinny, I can relate. I spent a few years unhappy, then a few years miserable questioning what it would do to my health, and then the last couple were excruciating and I was wondering what it would do to my sanity. This was just to get my pension, the retiree healthcare was capped long ago and is no ...
by 2comma
Mon Jan 22, 2018 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school
Replies: 42
Views: 3291

Re: Thinking about changing jobs after 15 years. Looking for something I can land with a 2yr/tech school

It always bugs me when I hear people say you need to be good at math to be good at programming. I do agree that it helps to be good at math to get a bachelors degree in CS. I sucked at math so I got a psychology degree, don't make that mistake. I became a machinist and needed to know algebra and tri...
by 2comma
Sun Jan 21, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on what do with a 85k cash
Replies: 7
Views: 831

Re: Thoughts on what do with a 85k cash

It's hard to ignore a 30K gift if you buy that house assuming you can afford it... After that I'd lean toward investing more of your cash. At 29 you need to try to get over the fear of volatility but be true to yourself - don't overestimate your ability to take risk. Over my 25 year accumulation lif...
by 2comma
Sun Jan 21, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

We used to have good luck with peanut butter lately apple slices have been working better in the traps. I never liked the poisons because the mice have a tendency crawl up into bad spots and die and stink. We have a problem with roof rats, I wish they were mice.
by 2comma
Sun Jan 21, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 2737

Re: what is the best mouse poison?

We used to have good luck with peanut butter lately apple slices have been working better in the traps. I never liked the poisons because they have a tendency crawl up into bad spots and die and stink.
by 2comma
Sun Jan 21, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying Used Car: Use Mutual Fund, Savings or Loan?
Replies: 6
Views: 510

Re: Buying Used Car: Use Mutual Fund, Savings or Loan?

I could have financed my 2006 F150 xlt at a good rate but I decided it wasn't worth the payment headache and just paid cash. Back then I couldn't find a good slightly used deal so I went with new. I've just started looking around for my next truck and it's still the same market. Are you sure you wan...
by 2comma
Sun Jan 21, 2018 12:54 am
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8321

Re: Fear of dying with too much money?

I do not fear the prospect of being dead, any more than I am traumatized by memories of the time during which I was not yet born. The dying process bothers me in certain ways. I've tried to mitigate them but I may not have sufficient control for my steps to make a material difference. Should I come...
by 2comma
Fri Jan 19, 2018 12:09 am
Forum: Personal Finance (Not Investing)
Topic: What are some good, older threads?
Replies: 20
Views: 2065

Re: What are some good, older threads?

Nothing to do with investing but one of the classics is noise in my attic viewtopic.php?t=62092
by 2comma
Wed Jan 17, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4458

Re: Lost Job. Retirement/Portfolio Advice

Of course not. The lawyers told them how to select different age groups to make it look like they wern't picking on older employees.
by 2comma
Wed Jan 17, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4458

Re: Lost Job. Retirement/Portfolio Advice

OP, Time for some deep calming breaths! As others have pointed out, you do have enough to safely retire. Biggest open question would be about health insurance between now and 65. So, given that you can easily afford to retire—do you want to? Is there something you have always wanted to do? My sugge...
by 2comma
Wed Jan 17, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Lost Job. Retirement/Portfolio Advice
Replies: 46
Views: 4458

Re: Lost Job. Retirement/Portfolio Advice

Question: Talked to two brokerage reps about opening a Roth IRA starting this year. One said I can't without my employer contributing earnings to the account as well. The second one said I could open a Roth and contribute the maximum $6000 per year and employer contribution is not necessary even if...
by 2comma
Mon Jan 15, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: best flooring for a basement wood shop?
Replies: 27
Views: 1540

Re: best flooring for a basement wood shop?

I wanted solid hardwood flooring but because we have a slab foundation engineered is recommended due to moisture but I never found any engineered product I couldn't damage with my fingernail so I think you're right that it might not be durable enough for a shop. That led me to tile which led me to t...
by 2comma
Mon Jan 15, 2018 2:50 am
Forum: Investing - Help with Personal Investments
Topic: how to figure out the assest allocation that you can sleep well with
Replies: 22
Views: 1960

Re: how to figure out the assest allocation that you can sleep well with

For me it was an AA where I really didn't care - no fear and no greed. When I was in the accumulation phase 80/20 made sense and I did that for 25 years. As I approached retirement and really, really didn't want to see my investments keep me from my goal I became much more conservative. Now that I f...
by 2comma
Mon Jan 15, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: neighborhood advice for Prague, Vienna, Budapest, and Athens
Replies: 11
Views: 686

Re: neighborhood advice for Prague, Vienna, Budapest, and Athens

I've been to Athens several times, my wife is Greek and her sister and BIL live in Athens. We usually go for "family stuff" but I've had several chances play the American tourist. I can see where Athens isn't everyone's favorite European city but it is also a large city that also has a fair number o...
by 2comma
Sat Jan 13, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 1803

Re: wireless dead again - router suggestions?

Since you've had so many routers die I'd make sure it was on a new surge protector (I've read they decay with time) and make sure it has plenty of ventilation. I've read several instances where the wifi went out but the hardwired connections still worked. Recently I was looking for routers and read ...
by 2comma
Sat Jan 13, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: Caribbean Recommendations
Replies: 3
Views: 724

Re: Caribbean Recommendations

Well, Petite St. Vincent has everything you want. https://www.nationalgeographiclodges.com/lodges/central-america-caribbean/petit-st-vincent-resort/about/#.WlmcQjdME2w . Their claim to fame is you raise the yellow flag for service, the red flag means give us some privacy. I've sailed past it a coupl...
by 2comma
Fri Jan 12, 2018 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - decision process & why ?
Replies: 3
Views: 394

Re: Annuity - decision process & why ?

A single premium immediate annuity at a later age makes sense for some. It's a simple concept anyone can understand - I'll give you a chunk of money and you'll pay me X amount for life. It is easy to price and compare these annuities. All of the others were built to be sold, I doubt 2% of buyers rea...
by 2comma
Fri Jan 12, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: Replacement Suggestions For Microwave Oven
Replies: 22
Views: 1317

Re: Replacement Suggestions For Microwave Oven

That's taking frugality to the next level! New counter top microwaves are cheap. Several years back we were talking about needing and extra microwave in the breakroom at work, the next day 3 showed up. For some reason people seem to have extras so if you ask around someone would probably be glad to ...
by 2comma
Thu Jan 11, 2018 11:18 pm
Forum: Personal Consumer Issues
Topic: [Lightning rods for my house? Or too "old fashioned"?
Replies: 32
Views: 2059

Re: [Lightning rods for my house? Or too "old fashioned"?

I don't think their old fashioned our newish office complex had them on all of the walkways connecting buildings (and I think on the building themselves) but I haven't seen any on a newer house. As a sailing enthusiast I do hear/read about boats, not just sailboats, getting hit fairly frequently and...
by 2comma
Thu Jan 11, 2018 6:50 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 12400

Re: Is it time for me to "call in rich"?

87,

If you quit now or work another 10 years you'll eventually retire and be faced with "now what" so you're going to have to figure this out . Obviously you don't have a money issue. Some don't do well in a non-structured environment and some thrive. Which lifestyle do you find more stressful?
by 2comma
Tue Jan 09, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: 2006 subaru timing belt replacement
Replies: 37
Views: 1232

Re: 2006 subaru timing belt replacement

Another vote for take it to an independent who agrees to use OEM parts or will let you purchase them if you can find one that agrees. I suspect any independent that specializes in that make already knows which aftermarket parts are good so maybe no worries on that issue. If I'm DIY I normally go wit...
by 2comma
Tue Jan 09, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: cost analysis on buying vs. renting skis?
Replies: 12
Views: 641

Re: cost analysis on buying vs. renting skis?

I went to a ski-swap in Boise, long time ago, where they had new, closeout, demo and used and got some decent stuff that all fit me for maybe the price of 5 or 10 rentals. Anything like that you have access to? If you look at the price you're paying for transportation, meals, lift-tickets and lodgin...
by 2comma
Tue Jan 09, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 5694

Re: Early Retirement Incentive Plan is generating paranoia

My experience with megacorp rumors was there was some wild speculation. Sometimes there was a grain of truth but the specifics were way off. The fact that the company has a out clause is to cover them in the event someone is considered vital and also in case way more people go for the plan than anti...
by 2comma
Tue Jan 09, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Low mileage, but old, used car (service and reliabilty)
Replies: 20
Views: 1178

Re: Low mileage, but old, used car (service and reliabilty)

What I've found to watch out for on older cars that are otherwise trustworthy is the rubber bits. Things like fan belts and hoses can leave you on the side of the road so I replace them proactively when they are 7-10 years old. There are other rubber bits in the suspension and when they wear out can...
by 2comma
Tue Jan 09, 2018 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1970

Re: home inspection on house I already live in?

I'd guess if you've been there for 9 years you probably know more about the house than anyone. It's hard to believe any inspector can be an expert in all things house (plumber, electrician, structural engineer, HVAC, roofer). I did a walkthru with a father & son inspection team and they were checkin...
by 2comma
Tue Jan 09, 2018 2:38 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20132

Re: Anyone disenchanted with retirement?

I envy the "love my work" people, wish I was one of them but I'm not. Had no great plan for retirement either but I have had some of life's best experiences without much of a plan. Four years in and absolutely no regrets. I've had money and no time, I've had time and no money, now I have both.
by 2comma
Tue Jan 09, 2018 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7084

Re: Lowball offer on a home

Sounds like you have a good idea of what the house is worth and you are not emotional about it. If they aren't interested in a fair price so be it. There really will be other fish in the sea, they have the product but you have the money. I think I am rational about home buying and was helping my gir...
by 2comma
Tue Jan 09, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: What To Do about DH – Dark Clouds on the Horizon
Replies: 9
Views: 2708

Re: What To Do about DH – Dark Clouds on the Horizon

My now wife and I were domestic partners then I heard there could be legal issues in our state if one of us needed to depend on the other to make medical decisions. Not the only reason we got married and it worked for us - less in taxes too! I wonder if you SO should need to spend down his assets in...
by 2comma
Mon Jan 08, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 7084

Re: Lowball offer on a home

If it really needs all that work it sounds like they have mispriced it. Has it been on the market long? I've seen, and I know I'm generalizing here, old couples that are out of touch with reality (they love their house) and in no hurry to sell. I guess sometimes they find a sucker but I'd guess they...
by 2comma
Mon Jan 08, 2018 2:49 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 8985

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

IMHO, those threads are confirmations that the BH methods work, regardless of income levels. Encouragements to stay the course when markets tank. They are examples of people who make it via BH method despite 1987, 2000, 2008 so I will stick to my AA when the next one hit. The actionable benefits of...
by 2comma
Sat Jan 06, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is it time for me to get my 401K out of the stock market?
Replies: 24
Views: 3995

Re: Is it time for me to get my 401K out of the stock market?

I wouldn't do anything because of the recent market whatever except rebalance back to my chosen AA. As I was reaching retirement age I backed off to 35/65. I didn't want to loose out on my chance to retire early, I'd made it and it doesn't bother me that I left some money on the table. A little late...