Search found 1180 matches

by 2comma
Thu Mar 22, 2018 10:53 pm
Forum: Investing - Theory, News & General
Topic: Working till retirement is not a great plan
Replies: 175
Views: 13450

Re: Working till retirement is not a great plan

I agree about the age discrimination thing but let me tall you about Dwane. He was a 63 yo contractor for my megacorp who had 2-3 months notice of an impending early end of contract. None of us envied him having to look for high tech work at that age, he was very hard of hearing, a bit cantankerous ...
by 2comma
Tue Mar 13, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Need Advice - Electric Hot Water Heater
Replies: 28
Views: 1804

Re: Need Advice - Electric Hot Water Heater

I don't think there is much variation in quality of electric water heaters. You get a tank, one or two heating elements, and one or two anode rods. This is all basic rock-solid technology. There is usually a 6-year warranty, or 12-year warranty, the longer one coming with larger or multiple anode r...
by 2comma
Tue Mar 13, 2018 7:41 am
Forum: Personal Consumer Issues
Topic: traveling to mexico, should I be concerned?
Replies: 107
Views: 8511

Re: traveling to mexico, should I be concerned?

“Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts. Broad, wholesome, charitable views of men and things cannot be acquired by vegetating in one little corner of the earth all one's lifetime.” ― Mark Twain, The Innocents Abroad/Roug...
by 2comma
Fri Mar 09, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Furnace main control board fails after main blower replacement?
Replies: 8
Views: 648

Re: Furnace main control board fails after main blower replacement?

At least they were honest. Glad you had a good outcome. I think I'd give the company some credit when deciding on who should replace your units but might jokingly suggest you'd prefer tech #1 not be in on the install but then again "stuff happens"
by 2comma
Fri Mar 09, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)
Replies: 82
Views: 6931

Re: To Move or Not To Move - Couldn't be more of a Coinflip! (Help Please)

I would do an actual coin flip - heads you stay, tails new job. Flip the coin fairly high. A, ask yourself what were you secretly wishing it would land on. Look at the coin - are you happy with what you see or just a little disappointed? That will tell you what you really want. Maybe have your wife...
by 2comma
Tue Mar 06, 2018 1:42 am
Forum: Personal Consumer Issues
Topic: Painter did a sloppy job -- seeking advice on next steps
Replies: 28
Views: 2873

Re: Painter did a sloppy job -- seeking advice on next steps

I've never been able to color match existing paint so I'd just repaint the entire ceiling - it really isn't that much more work. If the two colors are very close "cutting in" the ceiling and the wall looks good even if you aren't so steady handed.
by 2comma
Mon Mar 05, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: re-siding house - vinyl or hardiplank?
Replies: 54
Views: 5075

Re: re-siding house - vinyl or hardiplank?

I DIY everything. Replaced all of the hardboard siding with Hardie board on our mostly brick house plus two fully sided additions (garage and sun room). I was impressed with how well it holds paint. After about 7 years I cleaned and repainted after the roofers put tar marks in several places during ...
by 2comma
Mon Mar 05, 2018 1:51 am
Forum: Personal Consumer Issues
Topic: Road trip to National Parks in Pacific/Mountain States.
Replies: 15
Views: 2074

Re: Road trip to National Parks in Pacific/Mountain States.

Strange, when I was young I worked at Yellowstone for a summer. Left there and went to Idaho with two other guys and we harvested potatoes. All memories of a lifetime. As someone that grew up in the east I loved that area of the country - there is a reason they call it "big sky" Montana. Now that I'...
by 2comma
Thu Mar 01, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Kitchen features
Replies: 96
Views: 5650

Re: Kitchen features

We totally redid our small Pullman kitchen so cabinets to the ceiling really helped. We keep a stool in the pantry to reach the top shelves. We have drawers everywhere below the granite countertops. The Blume self closing drawers work no matter how much weight you put in them (I think they are rated...
by 2comma
Thu Mar 01, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: Your Paradigm for Long-term Inflation Risk?
Replies: 29
Views: 1728

Re: Your Paradigm for Long-term Inflation Risk?

As another "coming of age in the 70's" person I too worry about inflation. Not only does it have a destructive element to savers it's so easy for government to use it to dissolve away debt. I suspect the 70's were a result of the Vietnam war and the oil crisis but that may be my sophomoric view of t...
by 2comma
Sun Feb 25, 2018 1:24 am
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4627

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Life without retirement savings reminds me of my grandfather. He worked in Boston as a bus driver but my dad guesses he was laid-off more than he worked his whole life. He took the family to their camp in Maine for summers to save money and find work. He raised chickens for eggs for many years. In l...
by 2comma
Sun Feb 25, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: Deer Garden Damage Prevention
Replies: 36
Views: 2164

Re: Deer Garden Damage Prevention

I wouldn't have thought the fence would work but since it does, great! I had a HS friend who's dad worked at an airport with a 6' chain link fence and then two feet of barbed wire on top; they still had the occasional deer make it onto the airfield. I've personally seen a deer easily jump a 6 foot f...
by 2comma
Sat Feb 24, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Knob and Tube rewire cost
Replies: 28
Views: 2690

Re: Knob and Tube rewire cost

I think knob-and-tube gets a bit of a bad rap. Except for not having a ground there is nothing inherently dangerous about it. Most of the problems are seen when someone ties new wiring into existing k&t. I have heard but not verified that some insurance companies won't insure it but that doesn't see...
by 2comma
Sat Feb 24, 2018 10:10 pm
Forum: Personal Consumer Issues
Topic: Playa del Carmen Vacation -- Excursion and Restaurant tips
Replies: 17
Views: 1230

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: 36
Views: 2336

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: 11484

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: 2951

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: 1681

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: 2951

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: 46
Views: 2592

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: 3663

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: 287
Views: 19658

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: 1609

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: 2026

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: 3683

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: 6959

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: 5275

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: 16639

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: 47
Views: 3142

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: 5259

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: 6095

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: 3380

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: 841

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: 2861

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: 2861

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: 541

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: 8478

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: 2126

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: 4535

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: 4535

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: 4535

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: 1586

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: 1985

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: 696

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: 1860

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: 751

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: 417

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: 1385

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 ...