Search found 214 matches

by Blueskies123
Tue Nov 21, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 144
Views: 8425

Re: Why not take Social Security at 62

My wife is 8 years older than me. I plan to retire when I am 55 and she is 63. She will take SS at 63, and we plan on using that to pay for health insurance until we both qualify for Medicare. I'll probably take SS as soon as possible, but that's about 15 years away, so no plan for it yet. We'll se...
by Blueskies123
Tue Nov 14, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Mozilla Firefox Donations?
Replies: 20
Views: 1783

Re: Mozilla Firefox Donations?

Wow, it just downloaded the update and it is MUCH faster. Maybe a donation is worth it, the last few years I noticed FF running a bit slower.
by Blueskies123
Tue Nov 14, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5612

Re: Costco for tires and car insurance?

When does everyone replace? I'm at 4/32" and considering 'winter is coming' I'm thinking it's probably best to do it now even though they have some life left (in dry conditions atleast). The middle band that shows the wear the fastest is pretty smooth on my cars, but I'm waiting until they fail ins...
by Blueskies123
Tue Nov 07, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?
Replies: 98
Views: 7718

Re: Morningstar: Cognitive decline in aging. A strong case for portfolio simplification?

While I am only 63 I wanted to greatly simplify things (and reduce risk) in case of stroke, heart attack or other worst case scenarios. My spouse takes little interest in finances. I went from 20 or so positions at 3 fund companies to about 7 all at fidelity and one high yield savings bank.
by Blueskies123
Tue Nov 07, 2017 7:42 am
Forum: Personal Consumer Issues
Topic: Best strategy for selling cell phone on Ebay?
Replies: 27
Views: 1422

Re: Best strategy for selling cell phone on Ebay?

I have sold two on Gazell. Simple, why hassle with Ebay for $10 more.
by Blueskies123
Fri Nov 03, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2883

Re: CR doesn't like some formerly favored SUVs

CR rates Toyota, Lexus and Honda as best. I think that is irrefutable unless you get the odd lemon. Cadillac and GMC are at the bottom and based on a few people I know that own them I would say this is accurate. A $90K caddy throws a piston. GMC needs a new tranny, 2 A/C units and rear door life. CR...
by Blueskies123
Fri Oct 27, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 2908

Re: dishwasher recommendations

We lost a Kenmore and GE because the "computer" mother board went out. We went with Bosh because I was told Bosh is the only dishwasher where the computers are not made in China. I admit I did not verify that statement or find out where the boards are made. They are quiet but the downside is that th...
by Blueskies123
Thu Oct 26, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5147

Re: What is going on with the home insurance rates?

Because of our huge population in disaster prone areas and seemingly higher frequency of disasters most roofers and repair out fits have all learned they can easily double and even triple rates for a year to two after a disaster. Lawyers have then sued to make sure insurance companies have paid the ...
by Blueskies123
Wed Oct 25, 2017 1:43 pm
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5147

Re: What is going on with the home insurance rates?

Do you life in a hurricane, flood, fire, earthquake, tornado prone area? I am kind of kidding because that covers almost everyone. Here in South Florida the cost of rebuilding, litigation, and fraud is starting to make HOI UN-affordable. I suggest you keep shopping. I know when State Farm wanted out...
by Blueskies123
Tue Oct 24, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: How to qualify for disability?
Replies: 8
Views: 869

Re: How to qualify for disability?

Do you regularly work out and drink a lot of water? Do you take any medication that is depressing your system? Try walking an hour a day, and then try jogging. Work up to it slowly. Another option is join a gym and try the yoga or Zumba classes. Are you socially active with people face to face? Try ...
by Blueskies123
Tue Oct 24, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Attempted theft of bank funds via identity theft
Replies: 19
Views: 2523

Re: Attempted theft of bank funds via identity theft

I am thinking that if the crooks had your real bank account number and routing number or maybe your brokerage account they could have set up an automated transfer.
by Blueskies123
Mon Oct 23, 2017 6:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 261
Views: 42766

Re: South Florida Local Chapter

I have it on my calendar, I will be there.
by Blueskies123
Sat Oct 21, 2017 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for medical school for son?
Replies: 79
Views: 5023

Re: Paying for medical school for son?

People that are saying that you should pay for medical school may or may not know how expensive medical school is these days. A single book is $500, just one! I paid for rent, books, food, living expense and travel home. That was nearly $100K over 4 years in addition to under graduate. She took loan...
by Blueskies123
Tue Oct 17, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7434

Re: How many miles/years do you keep your car?

I see a lot of people are saying 10 years, 15 years, or until it falls apart. One thing to consider is how much safer a new car is today. I would think a 15 years old car may not even have one air bag let alone a dozen air bags. I am really tempted by those auto braking features on new cars. My bigg...
by Blueskies123
Mon Oct 16, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 7262

Re: What are you driving? And would you buy your current ride again?

Talk about confirmation Bias! Have not seen one reply that they would not buy the same car again. Maybe it is about wanting what you have.. :happy OK, I will bite. 2015 GMC Yukon Denali. AC gone out twice on my dime, Transmission replaced under warranty. Motorized back lift gate replaced on my dime...
by Blueskies123
Sat Oct 14, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 10715

Re: anyone else not liking the new cars?

I have looked at the Acura TL but Consumer Reports their reliability has fallen off a cliff. The Avalon is always at the top of every reliability measure in every year measured. The German cars are beautiful but getting them serviced is a nightmare if anything goes wrong with them outside of warrant...
by Blueskies123
Fri Oct 13, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: Buy when there's blood in the streets!
Replies: 39
Views: 6399

Re: Buy when there's blood in the streets!

If you really believe this then Puerto Rico and Venezuela are a buy but This is extreme speculation.
by Blueskies123
Fri Oct 13, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Itemized Tax Deductions
Replies: 10
Views: 641

Re: Itemized Tax Deductions

I was in the same boat. Small business owners are afforded huge tax advantages. As an employee when your mortgage interest deductions get small you are pretty much Out of luck. Max out your 401 k and HSA if your company has one.
by Blueskies123
Fri Oct 13, 2017 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Intentionally Defective Grantor Trust to avoid estate tax limit?
Replies: 20
Views: 1730

Re: Trust to avoid estate tax limit?

There are trusts that freeze the estate value as of the trust date. They are expensive to set up and generally on set up for millions. Taxes will have to paid by the trust but based on today’s value not the future value.
by Blueskies123
Fri Oct 13, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Earplugs that work on low frequency noise?
Replies: 35
Views: 1915

Re: Earplugs that work on low frequency noise?

Check Amazon for earplugs for snoring and get a white noise machine. There are white noise apps
by Blueskies123
Thu Oct 05, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1773

Re: Are you investing in Emerging Market small caps?

Investing or invested? Invested, yes. Investing more? No, I have seen what happens to EM when US rates are rising. We do not know what will happen in the future but the time to re-balance into EM was years ago.
by Blueskies123
Wed Oct 04, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5790

Re: Does anyone hold cash?

I keep two years of expenses in cash now that I am retired.
by Blueskies123
Sun Oct 01, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Conversion
Replies: 6
Views: 527

Re: Backdoor Roth Conversion

A few years ago, my accountant suggested I rollover my traditional IRA into a Roth IRA and I completely got sticker shock at the tax bill that would have been due had I done that. Particularly because I’m at the top tax bracket and it’s all getting taxed at the highest level. This is such a crazy i...
by Blueskies123
Sat Sep 30, 2017 9:56 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4379

Re: Waxing my car!

by Blueskies123
Sat Sep 30, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Waxing my car!
Replies: 48
Views: 4379

Re: Waxing my car!

This is a great web site for all automotive questions by knowledgeable people, including waxing.

https://bobistheoilguy.com/forums/ubbth ... il_and_Wax
by Blueskies123
Sat Sep 30, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2838

Re: Caught by speed camera

This has been a hot issue in Ohio and the Ohio Supreme Court ruled against restrictions the state tried to place on municipalities this summer: http://www.cleveland.com/metro/index.ssf/2017/07/ohios_restrictions_on_red-ligh.html There is a lot of information available on the internet about these ti...
by Blueskies123
Sat Sep 30, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2838

Re: Caught by speed camera

In Florida we have firms that specialize in beating tickets. They have catchy names like "Ticket Clinic" and such. They also have success rates that are about 99% and charge about $99 to defend a ticket. I'd pay them before I create a speeding ticket record, regardless of whether they say they don'...
by Blueskies123
Thu Sep 28, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: What money to store outside for disaster?
Replies: 63
Views: 5161

Re: What money to store outside for disaster?

I will second or third the notion that some cash is needed. After hurricane Wilma we did not have power for 6 days. Some stores would open on backup power (just enough for some lights and cash registers). Because the computers were down they only took cash. I think the lesson is that cash is good fo...
by Blueskies123
Thu Sep 28, 2017 7:39 am
Forum: Personal Consumer Issues
Topic: Propane Stove For Earthquake Kit
Replies: 24
Views: 1489

Re: Propane Stove For Earthquake Kit

A propane tank should hold, (4.2 pounds/gallons) * (3.6 gallons) = 15 pounds. I have two options and used them both after losing power for 6 days after Hurricane Wilma and I had to work 12 hours a day since I worked for a utility. I had a side burner on my grill and I had a turkey fryer that really ...
by Blueskies123
Sat Sep 23, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5371

Re: Bogleheads monthly costs of dog ownership?

There problem is when they get to be 10 years old and get arthritis, torn ACL, cancer, heart worms, etc...
by Blueskies123
Thu Sep 21, 2017 7:51 am
Forum: Investing - Theory, News & General
Topic: Factors are not characteristics but correlations
Replies: 13
Views: 1249

Re: Factors are not characteristics but correlations

Is not timber usually considered a commodity and infrastructure (if you mean company stock) equity?
by Blueskies123
Wed Sep 20, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Excel (Office 2010) charts problem (charts disappear)??
Replies: 11
Views: 621

Re: Excel (Office 2010) charts problem (charts disappear)??

I had this problem with a file a few years ago and the only way I could fix it was to re-link the graphs to the data then save and reopen
by Blueskies123
Tue Sep 12, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 11032

Re: The 10 year car ownership "rule"

While I agree with the 10 year rule I see a major problem facing us. The safety improvements in the next few years are so compelling most people that can afford to will upgrade sooner. Can you imagine how fewer accidents will occur when people stop plowing into the back of you when you come to a sto...
by Blueskies123
Thu Sep 07, 2017 6:33 pm
Forum: Personal Consumer Issues
Topic: Waterproof container for documents-pending Florida hurricane
Replies: 29
Views: 2516

Re: Waterproof container for documents-pending Florida hurricane

Scan / photograph them, and store it in some cloud storage (iCloud, Box, Dropbox, etc., etc.). If you want, put the originals in your dishwasher (it is, after all, water-tight). dishwasher is a great idea I've read that but then I've also read concerns about the drain connection. Dishwashers do hav...
by Blueskies123
Sun Sep 03, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3654

Re: Why can't the future of stocks be predicted

investing1012 wrote:
Sun Sep 03, 2017 6:22 pm
Why can't the future of stocks be predicted, considering the fact that stocks should follow the laws of economy which you would think are based on rational actions

They can and are predicted, just not accurately.
by Blueskies123
Sun Sep 03, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 13425

Re: Florida Hurricanes: When and where to go?

A lot depends on your employment situation. Some jobs require employees (and not just first responders) to stay and not evacuate. Many more jobs will not allow evacuating as early as would be necessarily to do so safely. Very true. Most people will lose their jobs if they do not show up for work. I...
by Blueskies123
Sun Sep 03, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 13425

Re: Florida Hurricanes: When and where to go?

Just bought a home built with poured concrete and steel and plan to stay put....in a relatively new house built with newer hurricane codes. I'm not on the immediate coast. Several people have said in this thread that they live in concrete houses and plan to ride out a storm. Did you see the picture...
by Blueskies123
Sun Aug 20, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: 2018 Merc S560, 2018 Lexus LS500 Discounts?
Replies: 38
Views: 3903

Re: 2018 Merc S560, 2018 Lexus LS500 Discounts?

4???-5%????

You can do a lot better than that if you can put time into the process.
by Blueskies123
Fri Aug 18, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Little P**S Ants
Replies: 59
Views: 8704

Re: Little P**S Ants

I live in Florida also and those ants do not live outside, they are so small they live just fine in your house. You have to clean your house crazy clean and keep it that way . Keep all kitchen surfaces completely dry. The ants need water. Remove plants and any other water surface. Terro and or Boric...
by Blueskies123
Fri Aug 18, 2017 5:27 pm
Forum: Investing - Theory, News & General
Topic: The Phillips Curve is not working!
Replies: 26
Views: 3001

Re: The Phillips Curve is not working!

Another reason that inflation has not picked up is that I think the real unemployment is much higher than reported. Many people have stopped looking for work.
In addition there is tremendous pressure from low cost imports.
by Blueskies123
Wed Aug 16, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2390

Re: Backup of Sensitive Information

I was looking at encryption for some files but could not understand an aspect of local encryption keys. You have the key stored locally and then all your hardware is stolen or destroyed. So then you buy a new computer and download your encrypted file how do you decrypt your files without the local ...
by Blueskies123
Tue Aug 15, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2390

Re: Backup of Sensitive Information

I use Arq backup software to encrypt my files locally and backup to OneDrive. I only use OneDrive because I have a fee terabyte through Office 365. Arq works with Amazon, google, and quite a few others. Arq is local software that backs up your files, encrypts them locally, and then sends them to th...
by Blueskies123
Mon Aug 14, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: What a Low Return Outlook Means for Your Retirement?
Replies: 42
Views: 5610

Re: What a Low Return Outlook Means for Your Retirement?

In my view, the simplest and potentially most appropriate way to avoid sequence of returns risk and 'not leave too much money on the table' is to use a flexible withdrawal rate. The only real downsides I've heard anyone bring against it are that it retirees don't like variable income and may not be...
by Blueskies123
Mon Aug 14, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7768

Re: How useful is a home security system?

rebellovw wrote:
Mon Aug 14, 2017 1:37 pm
Son could have mentioned it to friend and said friend or friend's brother, crazy sister or other acquaintance could have done the deed.
+1,

I had my kids make sure they turned on the alarm when it started to get dark.
by Blueskies123
Fri Aug 11, 2017 7:30 am
Forum: Personal Finance (Not Investing)
Topic: Feeling guilty about travel expenses
Replies: 25
Views: 3316

Re: Feeling guilty about travel expenses

It's your money, spend it as you see fit. You shouldn't feel guilty spending money to do something you enjoy. Let's put some context around this statement. I would agree with this comment IF: 1) you are maxing out your 401K and HSA. 2) you have zero credit card and car debt. 3) you have thought abo...
by Blueskies123
Tue Aug 08, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: Computer hacked - What to do?
Replies: 16
Views: 2079

Re: Computer hacked - What to do?

Like the comment posted above: Has anyone called and said someone from Microsoft, Dell, HP, etc... telling you there's something wrong with your computer and they can help you fix it? If so this is how they got in.
by Blueskies123
Tue Aug 08, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Climate Controlled Storage Units
Replies: 8
Views: 790

Re: Climate Controlled Storage Units

I had a climate controlled unit while I was overseas only to find out what I got back that climate controlled meant there was a fan in the building.
by Blueskies123
Wed Aug 02, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 10255

Re: Burned out at 28. Do I have enough?

Treat this as an (early) mid-life crisis. - Take a vacation - Have a fling - Buy a red sports car. Then get back to work. This is the advice you should heed. You will encounter other difficulties as you age and this doesn't seem like enough reason to make a potentially big change financially. If yo...