Search found 253 matches

by KSOC
Fri Apr 13, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61252

Re: Netflix, Your Current Favorite Show

Another recommendation for "Occupied". I'm still in S1 but glad to have S2 to look forward too. "Godless" was REALLY good. "Babylon Berlin" also very enjoyable. Watching "Longmire", "Death in Paradise", "Hitlers Circle of Evil". Agree "Dexter" got old & was tough to plow thru the last two seasons. "...
by KSOC
Mon Apr 09, 2018 8:44 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Shoo Fly Pie & Raisin Pie. Hard to come by where I live. I'm glad to see you make your own. For others who don't know how,, don't want to, or can't get one where they live, they can order what's arguably the best shoo fly pie in the world from Dutch Haven: http://dutchhaven.com/store/proddetail.php...
by KSOC
Mon Apr 02, 2018 5:05 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 4049

Re: Tired of gas grills rusting out...

My 2¢. Weber. Like the OP's thread title, I wised up years ago after buying K-mart grills every two to three years. I bought a Weber Genesis B gasser in 2004 for $350! (That's 3 K-mart grills!) Use it for quick grilling foods.Kept uncovered on screened porch in Florida. Bought Weber 22" Kettle in 20...
by KSOC
Sun Apr 01, 2018 7:14 am
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1231

Re: New On-screen Guide for Direct TV

So glad I left for much lower cost options & better value. So what is the better option? Already had solid internet/wifi, AppleTV & Roku devices, & every room in the house had cable wire. Bought a Tivo & $40 antenna - hung in attic with already there splitters & amps from cable/satco. Trial version...
by KSOC
Sun Apr 01, 2018 6:05 am
Forum: Personal Consumer Issues
Topic: New On-screen Guide for Direct TV
Replies: 17
Views: 1231

Re: New On-screen Guide for Direct TV

I enjoyed Directv for 7 years. Unfortunately I had them for 8 years. I feel your pain with the DVR's. After AT&T bought them I noticed a shift in customer service attitude & the equipment upgrade I was due was worse than what I gave up. The GUI went downhill too. A further issue with customer servic...
by KSOC
Sat Mar 24, 2018 6:38 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21610

Re: Anyone Deleting Facebook?

Many other tools are out there . I’m not too comfortable looking at my downloaded archive for 8 years and seeing every contact I ever had and phone call I made as well as many texts a part of Facebooks data . I never gave them permission for that . I'm not deleting it. Half of my family and most of...
by KSOC
Sat Mar 24, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 330
Views: 21610

Re: Anyone Deleting Facebook?

I'm not deleting it. Half of my family and most of my oldest friends live a few hours away from me. For all of the bad on Facebook, it allows me to stay up to date with them. I have also recently moved and joined community groups on FB. These have provided a wealth of info for me about places to go...
by KSOC
Thu Mar 22, 2018 5:22 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 45
Views: 3793

Re: Your favorite Florida beach??

Will you be renting a car? If you stay in St Pete beach, you can hang out there then drive north up Gulf Blvd through all the other beach towns—Indian Rocks, Bellair, Clearwater. To the south is PassAGrille which is quieter but beautiful. Some stretches of Gulf Blvd are more touristy than others. L...
by KSOC
Wed Mar 21, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

I bake homemade bread almost every week (usually an oatmeal bread from a Mennonite cookbook). In the last two weeks, I've also made pumpkin scones and muffins, homemade pizza and pie. I do like to make that no-knead bread too. It's like alchemy! I just bought a proper Detroit style pizza pan, so I'...
by KSOC
Tue Mar 20, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 74
Views: 5122

Re: What have you baked recently?

Shoo Fly Pie & Raisin Pie. Hard to come by where I live.
by KSOC
Mon Mar 19, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 556
Views: 61252

Re: Netflix, Your Current Favorite Show

Warsaw Spies based on an Alan Furst novel. On the surface it would seem this would an intriguing series. However, the dialogue is stilted and almost amateurish. Certainly not up to the BBC standards for writing. There are many BBC actors, but I believe the series is a big disappointment. Maybe othe...
by KSOC
Mon Mar 19, 2018 7:43 am
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14255

Re: Large life style creep that was completely worth it

Hotels, and only slightly. I can be pretty frugal but couldn't bring myself to staying in the bottom tier of lodging. I'm sure they are perfectly fine establishments. And they were priced for our income level. But we alway chose mid priced chains ( IC Hotels, Choice, etc). Now, financially healthier...
by KSOC
Wed Mar 14, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 785
Views: 143828

Re: Boglehead Beer

^^^ I assume you mean Yuengling , which is popular in my area. I like it. Wife & I are from Central PA. Yuengling to us means regular Yuengling "Premium" Beer, but I assume everyone else means "Lager". Premium is a really good drinking beer. In 1987 Yuengling brought back the "Lager" recipe and it ...
by KSOC
Mon Mar 12, 2018 5:17 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 12441

Re: What is your favorite reasonably priced bourbon?

Evan Williams. Surprised I had to scroll so far to see this. It's pretty close to what Jack Daniels is at about half the price - even the label seems to be a close rip-off. I found out about it from a WSJ article maybe 8 years ago. It's no Knob Creek, Woodford Reserve, or Makers Mark's - but the OP...
by KSOC
Fri Mar 09, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: What do you pay for your phone/cable/internet? REAL total with tax?
Replies: 48
Views: 2726

Re: What do you pay for your phone/cable/internet? REAL total with tax?

Ooma Home Phone $4.84
Playstation Vue TV $44.99
Spectrum Internet (100 mbps) $64.99
Virgin Mobile Unlimited everything $43.20
Total $158.02
by KSOC
Thu Mar 08, 2018 9:11 am
Forum: Investing - Help with Personal Investments
Topic: New retiree would like advice--should I be more conservative?
Replies: 15
Views: 2085

Re: New retiree would like advice--should I be more conservative?

gmaynardkrebs wrote:
Tue Mar 06, 2018 9:02 pm
You should consider spending $100 on the ESPlanner program. It's very useful for addressing the types of long range planning questions you ask. I use it a lot, and like it.
I think I'll take a look at that. How long have you been using it? Does it update itself or is it a subscription service?
by KSOC
Thu Mar 08, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Is Cash Trash? The Purpose of Cash
Replies: 178
Views: 17747

Re: Is Cash Trash? The Purpose of Cash

A little bit too much cash in checking because I don't want to pay fees, and they keep switching up the requirements, and why am I still at this awful mega-bank anyway. Years ago I read an article where Vanguard was sending survey's inquiring and polling responses if they created a bank. Could you ...
by KSOC
Thu Mar 08, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: FSCKX + FSSVX = FSEVX ??
Replies: 6
Views: 422

Re: FSCKX + FSSVX = FSEVX ??

Based on your question only, I'd choose Extended Market for the extra .02% (insignificant). Especially if your main holding is S&P 500 or Large Cap Fund. If you're holding a Total Market Fund I'd go with Small Cap Fund.

Cost? No idea.
by KSOC
Wed Mar 07, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1056

Re: Net Worth Template

Thanks for the advice! I found this one, and was able to modify it and get rid of all the small misc things I don't really use for my net worth (jewelry, cars, furniture etc). Like some have said, I will just put on the side of the template the month and net worth. Thanks, and like I said I wish I ...
by KSOC
Wed Mar 07, 2018 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Switching to online bank. Keep brick/mortar bank account open?
Replies: 54
Views: 2955

Re: Switching to online bank. Keep brick/mortar bank account open?

I have Bank of America, Ally & Goldman Sachs. As soon as I pay off my Line of Credit at BOA I will close it down (checking,savings,LOC). My LOC amount waives the $25 monthly charge & they don't pay much in interest to warrant keeping much money there. I have very little in it now, enough to pay my L...
by KSOC
Wed Mar 07, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Net Worth Template
Replies: 12
Views: 1056

Re: Net Worth Template

I made my own in Excel. Not difficult to do & you can make it to suit yourself. I added a section where I record my totals by month. Add a column beside the months for short notes to remind an impactful events. Obviously assets,debts,net worth,gain/loss,debt ratio. I note for my wife what assets are...
by KSOC
Mon Mar 05, 2018 12:35 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3567

Re: Etiquette of hanging up on live telemarketers

We generally do not answer the home (Ooma) phone. We use it capture voicemail from Doctors, Dentists & such. When I do pick up I do like to engage. Most times it's a robo, but every so often I get Micro Tech Support. I try to play as long as I can. My best time is 29 minutes. These folks do their be...
by KSOC
Sun Mar 04, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985422

Re: What Movie Have You Recently Watched?

I,Tonya - pretty good and it changed my opinion of her. Not the stooges that surrounded her.
by KSOC
Sun Mar 04, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: Flying Frontier- Heads Up
Replies: 21
Views: 2515

Re: Flying Frontier- Heads Up

My No Fly List: American,Frontier,Allegiant,Spirit (Wife & I decided on all four) My Will Fly List: Southwest (my preferred carrier),Delta,JetBlue My Not Sure Fly List: United,Sun Country,Virgin America (I've never flown the last two) My I Miss Flying List: Eastern,Air Tran,U.S. Airways (Allegheny A...
by KSOC
Sat Mar 03, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Furnace / AC Price Options
Replies: 11
Views: 1221

Re: Furnace / AC Price Options

Just popped in a Bryant Heat Pump last month to replace a 16 YO A/C system with heat strip. I got quotes from 3 reputable vendors for 9 different units. (1 -Carrier, 6 - Bryants, 2- Goodman) The guy quoting the Goodman also was a Trane dealer which is why I called them. He told me Trane didn't make ...
by KSOC
Sat Mar 03, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: online savings
Replies: 20
Views: 1275

Re: online savings

I have had Ally & Goldman Sachs Savings accounts for years. Also have CD's at Ally. I recently open a Checking account with Ally. I moved all our banking transactions from a major big bank. It has been a very problem free move. Any other money I have market invested. Ally is a solid choice & would b...
by KSOC
Fri Mar 02, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: Goodbye Emergency Fund (sorta)
Replies: 34
Views: 3937

Re: Goodbye Emergency Fund (sorta)

"Only when the tide goes out do you discover who's been swimming naked."

Warren Buffett

At my age I'm making sure I got my trunks on. At your age I can see your point.
Only folks dependent on me back then were bartenders.
Looks like you're pointed in the right direction.
by KSOC
Fri Mar 02, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6392
Views: 1370027

Re: U.S. stocks in freefall

I have always had the mindset that the market will be down every session. When it actually ends "up", I think, well tomorrow is another day, it'll likely go back down. Helps temper expectations. Other that & Philly sports I'm pretty optimistic.
by KSOC
Thu Mar 01, 2018 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard & Safari Not Play Nice
Replies: 19
Views: 625

Re: Vanguard & Safari Not Play Nice

I use Safari almost exclusively on my Macbook Pro. Zero issues with Vanguard or any other sites.
by KSOC
Wed Feb 28, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 7871

Re: Physical cash

Artsdoctor wrote:
Tue Feb 27, 2018 7:31 pm
Good question. Any earthquake preparedness list is going to include cash and I'm surprised that people in hurricane-prone areas don't keep some cash around.
I get cash & gas about 5 days out from a hurricane. That's the happy side of hurricanes. Plenty of warning.
by KSOC
Tue Feb 27, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985422

Re: What Movie Have You Recently Watched?

dahsom wrote:
Wed Feb 07, 2018 1:03 pm
Wind River

One of the best movies I've ever watched.
Just watched this today per your advice - very good!! My daughter the movie buff tipped me off to 2 more movies based on the authors books (Taylor Sheridan). "Hell or High Water". And "Sicario". Gonna give them a try too.
by KSOC
Mon Feb 26, 2018 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 107
Views: 4748

Re: Thoughts on Credit Cards??

I don't use debit cards period. I see no advantage and a number of disadvantages. I put everything I can on the cards because I might as well get the card cash back and enjoy the greater protections. Yep. Same. Earlier years ago debit card got hijacked twice. Resolved - yes. Besides, get between $5...
by KSOC
Mon Feb 26, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 107
Views: 4748

Re: Thoughts on Credit Cards??

I like my cash back cards too. Charge everything I can. Card balances paid in full every month. All cash back rewards go to Vanguard for more Total Stock Market. I feel I'm very frugal & I sure know how to say no. Others don't have the discipline or prefer cash/debit/checks. We all roll different.
by KSOC
Fri Feb 23, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37234

Re: What UN-frugal thing do you do?

djdube525 wrote:
Fri Feb 23, 2018 7:11 am
KSOC wrote:
Wed Feb 21, 2018 9:25 am
Spent $35 on NHL.TV for the last 3rd of the season. Always the best part of the regular season.
I'm assuming that includes playoffs?
Nope. That's part of the UN-frugal. But I can see most of that on NBC Sports networks.
by KSOC
Wed Feb 21, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 37234

Re: What UN-frugal thing do you do?

Spent $35 on NHL.TV for the last 3rd of the season. Always the best part of the regular season.
by KSOC
Sat Feb 17, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 40
Views: 3151

Re: Good brands for Kitchenware?

Lodge cast iron is good. I've heard others talk about not being smooth but mine are about 8 years old now & were always smooth. I always keep my eyes open at thrift stores, flea markets & such for older brands. Revere Ware. We were given a 5 pc set 27 years ago as a wedding gift & I swear by them. ...
by KSOC
Fri Feb 16, 2018 5:47 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7047

Re: How to get child's skin in the game for college?

2 daughters through Florida State. Both were told Mom & Dad will pay room & board. We also provided transportation. They had to pay tuition, & the deal was for a state school. We didn't push working in High School, as both used extra time for band & clubs.They took honors & college level courses. Th...
by KSOC
Mon Feb 12, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2204

Re: Visiting SAN FRANCISCO

Noodles or Dumplings anywhere in Chinatown. I disagree..I went to this place: https://www.yelp.com/biz/dick-lee-pastry-shop-san-francisco And I thought it was awful. Do some due diligence before you eat, as there are plenty of tourist trap restaurants in Chinatown. ok ok...it was a generalization. ...
by KSOC
Fri Feb 09, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Should having a brand new roof lower home insurance premium?
Replies: 26
Views: 1264

Re: Should having a brand new roof lower home insurance premium?

I have had 2 - 4 point inspections done in the last three years for insurance companies. Roof - HVAC- Plumbing - Electrical.
by KSOC
Thu Feb 08, 2018 9:34 am
Forum: Personal Consumer Issues
Topic: Who has had a pool?
Replies: 79
Views: 4449

Re: Who has had a pool?

we have an above ground pool from costco. put it up in the summer and take it down the rest of the year. my kids love it. it is like 18x9 feet or so. yesterday, my 5 year old was playing outside and asked me if it was time to put it up yet. This. We bought a home (with limited time frame) with an i...
by KSOC
Tue Feb 06, 2018 9:27 pm
Forum: Personal Consumer Issues
Topic: Visiting SAN FRANCISCO
Replies: 31
Views: 2204

Re: Visiting SAN FRANCISCO

Molinari Delicatessen in SF. Hamburgers in Sausalito. Noodles or Dumplings anywhere in Chinatown. Cioppino's Seafood on Wharf then chocolate & coffee at Ghirardelli Chocolate. I can't eat a meal over $30 an entree, & I get great steaks & Italian at home. So I don't buy that out often. Great ballpark...
by KSOC
Tue Feb 06, 2018 6:14 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 6083

Re: Washer/Dryer longevity ?

We bought a set of Whirlpools in 1991 & both still in use. 27 years with 1 repair (belt replaced). Hardly use the dryer as we have portable folding wash lines in the garage to take advantage of the Florida heat. I know replacement is near. Not sure Whirlpool is as good a brand anymore. I'm with post...
by KSOC
Sun Feb 04, 2018 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Retired at 50. Staying 100% in stock Index Funds. Anyone else?
Replies: 153
Views: 14200

Re: Retired at 50. Staying 100% in stock Index Funds. Anyone else?

Wife & I at 59 take nothing for granted. Both getting SS & pensions. Main investment 50/50. Trying to knock down last bit of debt (house). We just can't gamble a hit right now. Good for you if you're comfortable. Everything is relative, & nobody knows nothing.
by KSOC
Tue Jan 30, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 37
Views: 4795

Re: Ameriprise :(

Nothing close to your pain, wife & I had two IRA Annuity's with them for over 25 years. I initiated moving them to Vanguard. It was a process alright but bottom line for us was to start with Ameriprise with their forms. They had to be original, not copies. That meant using the mail service. No fax's...
by KSOC
Mon Jan 29, 2018 7:03 am
Forum: Personal Consumer Issues
Topic: Home Alarm Systems
Replies: 16
Views: 1558

Re: Home Alarm Systems

"..but I think the cell phone service is overkill. " What would you use if not cell phone? (cable(voip) and telephone wires are easily cut) :happy Alarm is only a deterrent. If I was going to rob your house and new about the internet setup, I probably would know also about the cell phone setup and ...
by KSOC
Sun Jan 28, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Miscalculated International AA, should I just stick with it?
Replies: 19
Views: 971

Re: Oops! Miscalculated International AA, should I just stick with it?

I'd let it play. Unintentional actions sometimes turn out better then decisions I'd actually make.
by KSOC
Tue Jan 23, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: New heat pump - decision time (Central FL) [thanks for referrals]
Replies: 34
Views: 2481

Re: New heat pump - decision time (Central FL) [thanks for referrals]

I live in the Orlando area & will be getting quotes soon. Replacing a 16 year old Rheem Cooling system/electric heat. We have purchased room heaters for those times we need heat because the cost of running the whole house electric, & usually not needing heat during daylight hours. This past month ha...
by KSOC
Tue Jan 23, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Rule of 55 is it official?
Replies: 38
Views: 5354

Re: Rule of 55 is it official?

Retire at 55 and have a company 401K and keep that 401k with CO, you can withdraw Tax free--if you retire after 55. I voidstar - as others have stated - depends on your company plan. And if you roll over to an IRA BEFORE you reach 59.5 further withdraws will be penalized 10%. This is where I'm at n...
by KSOC
Mon Jan 22, 2018 7:48 am
Forum: Personal Consumer Issues
Topic: Cutting cable
Replies: 51
Views: 2756

Re: Cutting cable

There are many threads on this forum about changing the way you receive media/broadcasts. Just search as there are solid suggestions. I did it a few years back. Options include antenna, TiVo, streaming media devices. You'll need good internet via a wire or wireless. I'd say at least 20 mbps to avoid...
by KSOC
Tue Jan 16, 2018 6:11 am
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10430

Re: Besides Bogleheads, What Are Your Favorite Forums?

I only visit one other forum and it has nothing to do with money. It is the Disboards and it has everything you need to know about planning Disney vacations and what's new at the Disney resorts. Other than following the investing strategy of John Bogle, my other passion is going to Disney world eve...