Search found 168 matches

by Just sayin...
Mon Sep 25, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 2977

Re: Do you subscribe to digital newspapers?

I get the WSJ digitally and read it most days. If you scour the internet, there are sometimes deals to be found...
by Just sayin...
Mon Sep 25, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5562

Re: Vanguard charged me $140 in service fees

staythecourse wrote:
Mon Sep 25, 2017 8:05 am
Just curious why would you ask us (a random internet forum) instead of just calling Vanguard themselves and discussing the issue with them?

Good luck.
Likely, because many of the members here are Vanguard fans and have all kinds of experience with them. It’s called research.
by Just sayin...
Fri Sep 15, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20116

Re: Iphone X is $1000

One more thought. The new iPhone X is not a net $1,000 or $1,150 expense. Likely, you are replacing an existing phone that can be sold on any number of sites. You'll have to figure that delta into your investment analysis numbers. In our case, the broken-screen unit is worth about $100. For others w...
by Just sayin...
Thu Sep 14, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20116

Re: Iphone X is $1000

Assuming by "damaged" you mean "cracked the screen", why not just get the phone replaced for $129 ? Even if you wind up selling it, you should get more for a refurb in perfect condition than an old device that's all dinged up. Yep - that is where this started: with the screen being cracked. However...
by Just sayin...
Wed Sep 13, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20116

Re: Iphone X is $1000

I'll likely get it. But here's my rationale: my son's new wife just damaged her iPhone 6. So I'll buy the iPhone X for me, give my iPhone 7 to my wife, she gives her iPhone 6S to our new daughter-in-law, and I take the damaged iPhone 6 and sell it on eBay. All that, plus it's got better cameras, 2 h...
by Just sayin...
Wed Sep 13, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7502

Re: Best Lower Cost USA Cities to Live

And now a large swath of hiking is ruined by wildfires (started by negligence of visitors). I thought those miscreant kids were locals, not far visitors but from just from across the river in Vancouver, which is just about as close to Multnomah Falls as Portland is if my recollection from visiting ...
by Just sayin...
Wed Sep 13, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7502

Re: Best Lower Cost USA Cities to Live

...This is exactly why I can't move to the deep south. TX is about as close as I can get. Southerns want you to believe they are hospitable to everyone, unless you go to the church on the other side of town. No government intrusion in your life - except I can't buy liquor on Sundays for some reason...
by Just sayin...
Sat Aug 12, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 17429

Re: Life at crossroads. What would you do ?

I work or have worked at three of the companies on Klang Fool's list linked above. Ageism is a real thing and he might be running into it here. Yes - age 40 is a mental barrier at many of the companies mentioned. Age 50? Virtually unemployable. That said, there are hundreds of opportunities at compa...
by Just sayin...
Sat Aug 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14915

Re: How far would you travel to see The Eclipse?

About 30 feet - up a staircase, then over to the upstairs deck (we're in the totality zone). Biggest challenge will be making sure my coffee doesn't spill while climbing the stairs.
by Just sayin...
Wed Aug 02, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 7940

Re: How far off are Zillow's estimates?

Over the course of the past two months, Zillow has valued my home +$100k and then down $250k (a $350k swing). They deleted the upwards swing on their site and zesstimate graph (erased their mistake?), but it was permanently captured in Personal Capital's wealth aggregator, so there's some proof. I c...
by Just sayin...
Fri Jul 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 4041

Re: Keurig vs coffeemaker - and the Keurig won

Previously, when my VP17 was new in 2012, I was only able to achieve 180F at the spray head - as measured a calibrated thermometer. When I contacted Bunn, they said this was normal. Some internet sleuthing pointed me to a Bunn Tea thermostat (Bunn p/n 03024.0005) - which could be made to work, and r...
by Just sayin...
Fri Jul 21, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 4041

Re: Keurig vs coffeemaker - and the Keurig won

Keurig is OK if in a hotel, a corporate environment, etc. where good coffee is not available. At home I would LOVE to use a French Press, however due to Cafestol concerns (http://www.sciencedirect.com/science/article/pii/S0963996912002360), I'm forced to use a paper-based drip filter. So I grind my ...
by Just sayin...
Fri Jul 14, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 879

Re: Work Discount Stock Purchase Plan - When to Sell

Quicksale. Same day transaction. Take your money off the table and diversify. That's what I do...
by Just sayin...
Fri Jul 14, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 7776

Re: Do you consider business travel to be a perk or a burden?

For me, a little business travel goes a long way. But seriously, I've traveled for most of my career. I've seen many places, but have missed many important personal events along the way. So recently, when my Megacorp cut our quarterly T&E budgets to about 30% of what they had been previously, I smil...
by Just sayin...
Wed Jun 28, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 8338

Re: Slide rule anyone?

Late reply, but I had to add engineers (and slide rules) are cool:

https://m.youtube.com/watch?v=waiprjueVpQ

BTW - the SR-71 wasn't designed using iPhones and "new math".
by Just sayin...
Fri Jun 23, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 9464

Re: Costco vs. Amazon - Thoughts of Prime Members?

Re: Whole Foods. Relish the experience, because it will change, whether via Amazon or Wal-Mart's control: http://www.businessinsider.com/jpmorgan ... ods-2017-6
by Just sayin...
Sun Jun 18, 2017 9:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 229
Views: 30604

Re: Roll Call for the Retirement Class of 2017!

Just sayin - Are you still on board for your June 30th launch? :D Were you able to put together a good health insurance plan? Hi Miriam, I am currently on extended vacation (using it all up) and will turn in my notice on July 5th! :sharebeer This is a netherworld that I'm finding very enjoyable - s...
by Just sayin...
Thu Jun 15, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 6907

Re: Do You Take Your Credit Card Receipts?

I have a phone with a built-in camera. I just snap a picture of the original receipt, after all amounts have been calculated and it has been signed, then use the image to reconcile any discrepancies. I also round every transaction to the nearest dollar (where tipping is involved) so that any transac...
by Just sayin...
Tue Jun 13, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 1822

Re: Good Digital Tire Gauge

I like this gauge, which works on both Presta (fancy bike) and Shrader (normal car tire) valves. https://www.amazon.com/Topeak-60100005-D2-SmartGauge/dp/B0051LQ0X4/ref=sr_1_1?ie=UTF8&qid=1497367651&sr=8-1&keywords=topeak+gauge I have/had that gauge and had to recently send it back. It consistently ...
by Just sayin...
Fri Jun 09, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 3591

Re: How often do you redeem your credit card cash rewards?

Every January. Use the proceeds to partially fund my backdoor Roth.
by Just sayin...
Fri Jun 09, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 51
Views: 17774

Re: Opticians: is there any difference in quality of Costco glasses?

I've been wearing Costco glasses for ~20 years, and won't go anywhere else. Well, unless I go for contacts, then it's Costco again. I am 100% satisfied with their quality, service, and pricing.
by Just sayin...
Wed May 24, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 3732

Re: Fidelity customer protection guarantee-void if you use Mint?

It's really a shame that the large financial services institutions don't establish separate "query-only" access methods. Given how interconnected things are getting, it makes sense that you should be able to allow access to information, but not to actually *do* anything...
by Just sayin...
Wed May 24, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: IRA to 401K rollover + Backdoor IRA in same year
Replies: 9
Views: 736

Re: IRA to 401K rollover + Backdoor IRA in same year

I completed an IRA to 401k rollover in Dec 2010, then did a Backdoor Roth in Jan 2011 (and every year since). I sanity-checked it with a couple accountants, and it passed the IRS review (mini-audit in the same year for another, unrelated item). I'd use a tax-year separator for the two transactions...
by Just sayin...
Wed May 24, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 11793

Re: A Gem from Livesoft

Chapter Seven provides a link and instructions on how to access their data and calculations for your particular situation: m It took me a while to get my mind around their methodology, which seems backwards at first. However, if you stick with it, you'll see that it makes a lot of sense. I've made a...
by Just sayin...
Mon May 15, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 4300

Re: Switch from iPhone to Google Fi and Pixel?

Thanks for starting this thread. I've been thinking about going the same route, but might make the following changes: - Pixel 2 (when they come out) + Google Fi for me - iPhone 7 ( my current phone) + some cheap Verizon MVNO for DW That way, when we travel somewhere together, we're more likely to be...
by Just sayin...
Mon May 15, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 41071

Re: Regret early retirement/downsizing

I am currently in the grey-zone in-between having stopped working, and being off the books (i.e. No more benefits, pay, etc.). Should I ever experience any future regret at my decision to retire early, all I need to do is review the following list: - Office Politics - Ever-increasing scope / reduced...
by Just sayin...
Tue May 02, 2017 10:38 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 369
Views: 31573

Re: Your USER NAME...what does it mean?

Your username is a window into your soul. I'm just sayin...
by Just sayin...
Wed Apr 26, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: Porsche Lease
Replies: 56
Views: 4987

Re: Porsche Lease

In preparation for ER, I Just sold my 911 and now have the itch completely out of my system. It was a wonderful car, great performance, amazingly fun to drive, etc. But I came to the realization that my reflexes aren't what they used to be combined with the fact that I am more cautious. I say if you...
by Just sayin...
Thu Mar 30, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: nice short piece on the math of factor investing
Replies: 202
Views: 12737

Re: nice short piece on the math of factor investing

Thanks Larry! Here's a more user-friendly link: http://www.investresolve.com/blog/skeptics-guide-factor-investing/?utm_term=Read%20More&utm_campaign=March%20Newsletter%3A%20Adaptive%20Asset%20Allocation%20News%20%2526%20Trends&utm_content=email&utm_source=Act-On+Software&utm_medium=e...
by Just sayin...
Sun Mar 26, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4462

Re: thoughts on in-ceiling speakers?

pileitup wrote:We only use our Sonos speakers now (have three so far) . Ceiling speakers not hooked up to anything anymore.

Why not get a Sonos Amp, and connect your ceiling speakers?

http://www.sonos.com/en-us/shop/connectamp.html

It's what I use for my outdoor in-eave speakers and my in-ceiling kitchen and master bath speakers. It's a great solution.
by Just sayin...
Sun Mar 26, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4462

Re: thoughts on in-ceiling speakers?

Have them run a CAT 6a cable drop to every room including the garage, all going back to a central panel or closet...even if you don't plan on connecting anything in said remote locations.

https://en.m.wikipedia.org/wiki/Category_6_cable

Your cost now vs. future-proofing is inconsequential.
by Just sayin...
Sat Mar 25, 2017 9:07 pm
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 4462

Re: thoughts on in-ceiling speakers?

I've got water-resistant speakers in the ceiling of the master bath, driven by a Sonos amp. One of the best investments I've ever made! Not a day goes by where listening to music while I shave or shower doesn't bring a smile to my face. If we ever move, I'll do this in our next residence... And yes,...
by Just sayin...
Sat Mar 25, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 13378

Re: Do you have enough? How I realized yeah I do.

yellowgirl wrote:Off topic but why do people sit at Starbucks? You don't have internet at home?

For me, it beats sitting in a bar at 8AM. :sharebeer
by Just sayin...
Sat Mar 25, 2017 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have enough? How I realized yeah I do.
Replies: 75
Views: 13378

Re: Do you have enough? How I realized yeah I do.

Amazingly similar experiences here. As I type this, I am sitting in my local Starbucks enjoying a cuppa and reading Bogleheads, also having skipped reviewing my spreadsheets (I've forced myself to limit my reviews to 1x/mo.). I came to the realization that I was good-to-go around my birthday in Octo...
by Just sayin...
Fri Mar 24, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 14672

Re: Virtual Private Networks (VPNs)

+1 for PIA. I have gotten tens of megabits per second sustained speeds with them (on a 60mb connection). +1 here too for PIA. However, one downside was my inability to log onto my Schwab account when using PIA. After a phone call to Schwab technical support, I learned Schwab blocks access via a VPN...
by Just sayin...
Sun Mar 12, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO auto rates vs. USAA: too good to be true?
Replies: 131
Views: 14858

Re: GEICO auto rates vs. USAA: too good to be true?

This past Friday, based on savings realized by others in this thread, I called Geico to quote our home/auto/umbrella policies and compare to USAA. Since they're separate departments, I had to start with auto, then repeat the quote process with the other lines. The auto quote came in about $120 less ...
by Just sayin...
Mon Mar 06, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: At what age did you drop life and disability insurance?
Replies: 56
Views: 4572

Re: At what age did you drop life and disability insurance?

Wife and I agreed on a retirement spending plan that we re-evaluate every year. We only purchased term life insurance to the level where (Net worth + Term Insurance) * 3.5% Est. SWR / 12 = our monthly target retirement spend. When I was 52, we discontinued term life altogether. For the past four yea...
by Just sayin...
Sat Feb 18, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: How important is 401k/403b's greater protection against creditors?
Replies: 15
Views: 1230

Re: How important is 401k/403b's greater protection against creditors?

Creditor protection for IRAs is variable by state, including treatment of inherited IRAs. Some states have robust creditor protection which may be approximately equivalent to ERISA protection, depending on where you live. Can anyone provide a link to the individual state coverage? Here's the one I ...
by Just sayin...
Sat Feb 11, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 12718

Re: How Much Cash Do You Actually Hold?

As of just now, I hold 28% of my entire portfolio in cash (as defined by you above). Of this amount, 71% is in the form of CD's with an average yield of 3.39%, 16% is in a savings annuity yielding 6% APY, 3% is in a Treasury Direct account in the form of i-bonds, while the remainder is set-aside as ...
by Just sayin...
Thu Feb 09, 2017 10:46 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3093

Re: Building a Computer

Nice build. Build it with 64gb RAM and it would be a great machine for my engineering work. Would love one of those Intel PCI-E SSDs for my file I/O heavy analysis software Thanks. I almost went with 64GB, but still have 2 open slots...just in case. So far, haven't gotten more than 20-20GB RAM used...
by Just sayin...
Thu Feb 09, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 28
Views: 3093

Re: Building a Computer

Now you're in my wheelhouse. I just finished this build: m Almost dead silent, powerful, does everything I want. I built it myself because I couldn't find exactly what I wanted in an off-the-shelf system and I tend to keep my systems for 5-7 years. I am very happy with this system and don't (yet) fe...
by Just sayin...
Sat Jan 28, 2017 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: SWR Logic [Safe Withdrawal Rate]
Replies: 28
Views: 2834

Re: SWR Logic

FYI - good 10-part series on SWR (discovered on another thread here):

https://earlyretirementnow.com/2016/12/ ... t-1-intro/

Link is to part 1 of 10.
by Just sayin...
Wed Jan 11, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Trip to Kona, Hawaii - Suggestions
Replies: 44
Views: 3267

Re: Trip to Kona, Hawaii - Suggestions

If you've got asthma, be aware of VOG: http://www.konaweb.com/vog/

It's real and forced us to end our vacation on Kona early, two years ago.
by Just sayin...
Sat Jan 07, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 7098

Re: Study on SWR rates for Early Retirement

...Yeah, this is one of several major flaws with thinking SWR makes a reasonable real-world action plan. SWR was not intended as a set-and-forget withdrawal plan. And the longer the horizon the worse it gets as the odds of such an event in your life time just grow. After giving this a lot of though...
by Just sayin...
Thu Dec 29, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 9638

Re: Are there any benefits to achieving "great wealth"?

miamivice wrote:...What, if anything, does achieving the status of "wealthy" gain someone...

Reduced stress about financial-related events
More time to do what you want
The ability to hire the best to amplify your experiences (health care, fly fishing guides, craftsmen, etc.)
by Just sayin...
Sat Dec 24, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 10090

Re: Financial Independence is not the Holy Grail

Howard Donnelly wrote:So, what is the Holy Grail?

For me, the "Holy Grail" is a 3-legged stool consisting of:

*Financial Independence
*Health
*Family/Friends

IMHO, the combination of the three is greater than the sum of their parts.
by Just sayin...
Fri Dec 23, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 7715

Re: How do you track your finances?

I have used various versions of Quicken ever since MYM went away. I literally have >100 categories, all stock/bond transactions I've ever made, and have been able to create excellent reports to understand actual spending patterns in preparation for retirement. All that said, it is a black hole for t...
by Just sayin...
Fri Dec 23, 2016 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Your Retirement Number, or, calculating the funding ratio
Replies: 196
Views: 27809

Re: Your Retirement Number, or, calculating the funding ratio

...Since the DB pension is nominal, we incorporate the expected inflation rate into the discount rate. n = 17 i = 3.5 PMT = 20,000 FV = 0 PV = ? and solving for PV yields PV = 253,026 ... BobK Can you please help me understand how you arrived at 3.5 as your discount rate? Based on previous conversa...
by Just sayin...
Wed Dec 21, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Honda Pilot vs Toyota Highlander?
Replies: 61
Views: 11858

Re: Honda Pilot vs Toyota Highlander?

...The only negative I have to say is the "infotainment" system in it. Toyota needs to rip their version of GPS and infotainment out by the roots and start over again... 100% agree with this. Auto manufacturers need to play to their strengths (handling, comfort, safety, etc.), and outsour...
by Just sayin...
Sat Dec 17, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: 4runner vs. Highlander?
Replies: 41
Views: 6170

Re: 4runner vs. Highlander?

Really like the 4Runner except I am 6'6" and have a long torso. This makes it impossible for me to fit in either it or the Land Cruiser. That's why we got a Highlander, despite my preference for the other models. Were you considering a Land Cruiser? They are really expensive. Yep - it was goin...