Search found 177 matches

by KSOC
Sat Nov 11, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9669

Re: Retirees: I got this!!

It very much depends on circumstances. I retired in December 1998 at 52 for various reasons. I had some money in the market and some real estate. I was nervous for 13 years about having enough money to stay retired. I experienced just about every bad event and sequencing thing talked about here. I ...
by KSOC
Fri Nov 10, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1720

Re: Comments on Kia Soul?

I drove a Kia Soul for 2 months as a rental. It was OK, but the reason I'd never buy one is that is has really bad blind spots because of the wide roof pillars (do a web-search on "kia soul blind spot" to find info on this). I was afraid to change lanes for the entire 2 months. I'd suggest checking...
by KSOC
Thu Nov 09, 2017 6:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102484

Re: U.S. stocks in freefall

WhiteMaxima wrote:
Thu Nov 09, 2017 6:11 pm
0.4% is not a drop, it is a white noise. Wait at least 10% drop before jump in.
Got it. S&P was down 18 points further around Noon & rebounded.
by KSOC
Thu Nov 09, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102484

Re: U.S. stocks in freefall

You never through 2008, it was falling continously for couple of month with no ending. So big drop may not be just a day event. I actually was through 2008, only money I had then was bumping up my 401k percentage. Unemployed now & have to be careful with cash flow. It is about timing - having cash ...
by KSOC
Thu Nov 09, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102484

Re: U.S. stocks in freefall

I wish I had more $$ to buy today. Opportunities have been rare.
by KSOC
Thu Nov 09, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Comments on Kia Soul?
Replies: 36
Views: 1720

Re: Comments on Kia Soul?

I am a fan of Kia. I have 4. One is a 2016 Soul base. I love it. I'm 58, it has everything in a car I could ever want. Easy for older people to get in & out of. As great as this car is, I would not have bought without that. My oldest Kia is now 6 years, 2 are 5 years. Not a lick of trouble with any ...
by KSOC
Tue Nov 07, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2504

Re: When did you start investing in taxable accounts?

Received FIL inheritance in 2011. Not a lot but we were pretty much paycheck to paycheck. Inheritance became our emergency fund ( aka Ft. Knox) and we decided most of it would go to the safety of Ally Bank & I could invest the rest. Opened up a VTSMX (TSM) Investor. Threw all my spare change at it o...
by KSOC
Tue Nov 07, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4332

Re: I Cut the Cord yesterday!

I get pretty good broadcast. I have a big old antenna in the attic and it took me 2 hours of running downstairs to the rec room and back up to try and get the angle correct to receive CBS-2 Chicago and NBC-5. My antennae reception is very disappointing. I have an amplified flat rectangular one that...
by KSOC
Tue Nov 07, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4332

Re: I Cut the Cord yesterday!

The more I read this the more lost I get. I guess it's like the confusion some people feel doing math. I'm surpried there are not independent companies that will piece these things together for you based on your needs and desires. I was thinking more along the lines of contractors who could analyze...
by KSOC
Tue Nov 07, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: I Cut the Cord yesterday!
Replies: 51
Views: 4332

Re: I Cut the Cord yesterday!

I pay $64 for Spectrum internet here in Central FL. Spectrum bought Brighthouse when I was paying $58 for 24mbps. Spectrum then bumped speed to 60 for $6 more. Last week Spectrum sent me a letter saying my speed was now 100mbps for the same $64. I tested and I'm getting 110 this morning. I know a pr...
by KSOC
Thu Nov 02, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Do you Mow your own Lawn?
Replies: 90
Views: 2933

Re: Do you Mow your own Lawn?

Yes, even in the mid day heat of Central Florida. I enjoy mowing grass. love the smell. I listen to a podcast while I'm pushing my gas mower. Only type yard work I like. First paid job I ever had was mowing my dentist's grass. I was likely about 10 years old.
by KSOC
Wed Nov 01, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: ACA Enrollment with COBRA
Replies: 7
Views: 421

Re: ACA Enrollment with COBRA

Great thread. I'm in exactly the same position. BH is great!
by KSOC
Sun Oct 29, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2564

Re: When the cold wind comes, I go where the dahlias bloom

Great topic. Wife and I talk about this too. Would love to hear some BH's tell how it's done. Up north for Hurricane Season, down south for Blizzard Time. I love Florida, but we miss Fall & would like to miss Summer Monsoon season.
by KSOC
Sun Oct 29, 2017 6:51 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15109

Re: What was the main reason you retired?

6) Forced into retirement - company closed facility But, 6) was buffered by - 4) Had enough of your work environment & - 8) Job no longer fun or interesting. First 14 years were wonderful! Great company, co-workers, work environment. Then company got bought out, I transferred south and the last 14 w...
by KSOC
Mon Oct 23, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have 100% stocks, 15 years+
Replies: 97
Views: 8465

Re: Is it ok to have 100% stocks, 15 years+

It depends on your situation. Too risky for me. I lost job at 58, I was 65/35. Planned on age 62 retirement. I kicked the 401k back to 50/50 when terminated. I was riskier as long as those paychecks were coming. Likely starting withdraws next year out of 401k. Will kick it back up to 60/40 when SS &...
by KSOC
Tue Oct 17, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 10127

Re: how long did it take to get used to retirement

I'm almost thru 5 months. I got used to it pretty quick. My job for 28 years had me leave for work at 7am & get home at 5-5:30. No breaks, seldom took lunch. So for the first time in my life I had no commitment. Didn't miss it at all. I was laid off and pretty much knew I wasn't gonna work full-time...
by KSOC
Mon Oct 16, 2017 4:41 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?

Four Kia's. Rio,Forte,Soul & Sedona. Yes x4.
by KSOC
Mon Oct 16, 2017 5:39 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 5938

Re: Is Florida Over, 2017

It will seem "over" until the north has a really bad winter again or Florida goes quiet for a few years. I love living in Florida. To me, hurricanes are bigger, longer, bad thunderstorms. Some of us feel it's worth it. Getting around my locale it's obvious there is very little damage to property tha...
by KSOC
Sat Oct 07, 2017 4:09 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15975

Re: Bogle himself is saying we will expect like 3% for the next decades

Really hard to peer into the future and make guess's without knowledge of administrations,taxes,healthcare,regulations,foreign policy,technology,employment,climate etc etc etc. Not just the U.S. but Global impacts. I appreciate Mr. Bogles wisdom & preparing us for lower returns. I never factor much ...
by KSOC
Wed Oct 04, 2017 8:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3058
Views: 902991

Re: What Movie Have You Recently Watched?

Just stumbled across "Conspiracy" on Amazon. 2001 film about the Nazi's Final Solution conference. You just can't stop watching. Fantastic acting.
by KSOC
Wed Oct 04, 2017 1:27 pm
Forum: Personal Consumer Issues
Topic: Dish network
Replies: 21
Views: 1306

Re: Dish network

I had DirecTV for many years before switching to OTA (w/TiVo) & Playstation Vue. Satellite picture was way better than cable. Yes, rain & heavy clouds do affect signal. However it was never as frequent as the cable people would tell you. And if you're in a hurricane zone & the dish hasn't blown away...
by KSOC
Fri Sep 29, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8876

Re: Where do you get your news?

Some of these are not strictly "news"...but discussions of the news. I like the aggregators as they point me to sites I normally wouldn't go to. I pick articles based on the title rather than the source: RealCleaPolitics RealClearMarkets Drudge Also: Chicago Tribune WSJ Fox business Fox News Feedly...
by KSOC
Thu Sep 28, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8876

Re: Where do you get your news?

Drudge Nightly Business Report Twitter Fox Business (my homepage) Larry Kudlow Podcast Drastically changed over the last 5 years. Used to enjoy a newspaper, local tv news (less & less local & more network tie ins) & local radio during day. I'm having trust issues. I'll add Wall Street Journal to my...
by KSOC
Mon Sep 25, 2017 4:09 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 53814

Re: Any books really change your outlook on life?

Fat-Tailed Contagion wrote:
Tue Apr 26, 2016 9:09 pm
Anything by Thomas Sowell for the linear realm.
I remember the first time I came across his newspaper column. Such wisdom & common sense. Why hadn't I heard of this man before? Great mind.
by KSOC
Sun Sep 24, 2017 1:26 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8876

Re: Where do you get your news?

Drudge
Nightly Business Report
Twitter
Fox Business (my homepage)
Larry Kudlow Podcast

Drastically changed over the last 5 years. Used to enjoy a newspaper, local tv news (less & less local & more network tie ins) & local radio during day.
I'm having trust issues.
by KSOC
Fri Sep 22, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8718

Re: Age you retired

58.
Officially between jobs, but likely retired. Don't think physically I can work full-time anymore, and don't think I'd successfully get disability. Part-time maybe with the perfect situation. Grateful my wife works & I can draw from 401k without losing much ground.
by KSOC
Fri Sep 22, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8718

Re: Age you retired

Danlin wrote:
Fri Sep 22, 2017 3:27 pm
Retired July 28 2017. Age58. Put in 39 years with UPS. 37 fulltime as a pkg car driver. Needless to say this Christmas is going to be heaven!
:D
Good for you. Being in the transportation business I really felt bad for UPS & Fed Ex during the Holiday. Congrats!
by KSOC
Tue Sep 19, 2017 6:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9508

Re: Bogleheads you would most like to meet and why?

Mel Lindauer - Mel ran a graphic arts company in the Philadelphia area for 30 years. I'm grew up outside Philly & spent 28 years in graphic arts as well. Taylor Larimore - Taylor's service in WWII (My Dad was in Pacific) & his long impressive career in Finance & Investments. Both are my Florida neig...
by KSOC
Tue Sep 19, 2017 4:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3058
Views: 902991

Re: What Movie Have You Recently Watched?

abuss368 wrote:
Fri Sep 15, 2017 12:49 pm
"The Founder" on Netflix. Starring Michael Keaton playing Ray Kroc and the launch of McDonald's. Very good.
I really enjoyed this movie. Well made. Not exactly correct factually (I dug a little after watching) but just plain enjoyable for me. I love movies about business & visionaries.
by KSOC
Sun Sep 17, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: After Irma in need of............
Replies: 25
Views: 2371

Re: After Irma in need of............

Used emergency radio too when power went off. TV stations were simulcasted. When I got the generator up the next morning we were able to use the TV for OTA. Dang hurricanes always come in summer, and without real power we missed our A/C. 85° in house is tough sleeping. So I ordered a portable A/C un...
by KSOC
Sat Sep 16, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7283

Re: Physiological effects of Early Retirement in peak earning years.

My father died when he was 58. I retired as early as I could. This. My father too, & grandfather was early 60's. And I was laid off this year at 58 from a long time physical job.These facts are prominent in my thinking. If I find a PT job that suits me ok, if not I'm done. I've got "enough" to get ...
by KSOC
Sun Sep 10, 2017 2:54 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?

Godspeed to all my Floridian neighbors! Preps here long done and now the show is starting. Mr. Jim Beam has arrived!
by KSOC
Tue Sep 05, 2017 5:23 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 25373

Re: Name something you had to have and now you regret purchasing it?

Our pool. Kids grew up. Most action the pool gets is me scooping leaves & dumping money in it. I wanted a pool home in Florida to help our young daughters accept their new life 1000 miles away. Used it pretty hard for about 6 years. Now likely the reason wife and I will sell.
by KSOC
Mon Sep 04, 2017 3:37 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?

It's still about a week out. Got all week yet to panic, no need to do it today. Still plenty of everything at Home Depot/Lowes. Was there today bought sand, extra gas jug (my 6th) and an extra case of water. Ran the generator a bit. Agree leave early or don't leave at all. Unless in flood zone or af...
by KSOC
Sat Sep 02, 2017 7:36 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?

This is much too risky for me to live there, so we live in the NorthEast. I am risk adverse, I also own mostly low-risk index funds. I remember an old Victory Garden show where a nursery owner showed what had happened to his vacation home on a Caribbean island. His house had concrete walls, and lit...
by KSOC
Sat Sep 02, 2017 12:48 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?

When she finally arrived, she had brought home a couple of the men's tennis team. They were from one of Russia's satellites, can't remember which country. Great young men. They stayed on my back porch most of the time smoking and drinking my vodka. They had never experienced a hurricane. Perhaps th...
by KSOC
Sat Sep 02, 2017 11:52 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?

What kind of structure do you live in? How old is it? Do your rent or own? Most homes/apts etc. down there are built expecting Hurricanes. Where would the closest family or friends be? Being in SE Florida is very limiting if you feel your home is not safe. Should be some safe havens in the state. Se...
by KSOC
Fri Sep 01, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 42
Views: 5999

Re: Ally savings rate raised to 1.20%

Wow. An extra $50 a year for every $100,000 saved. What a deal. My emergency fund is stashed at Ally. It's not supposed to be earning a huge return, it's just supposed to be liquid and available. Given that, I'm not too disappointed in a 1.2% return, it's still a whale of a lot better than the 0.01...
by KSOC
Thu Aug 31, 2017 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 17934

Re: [Are the Bogleheads] getting less interesting?

It's like getting to the Major Leagues. At some point you learn enough that the game slows down. The game hasn't changed. You've sped up.
by KSOC
Thu Aug 31, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Best practices for moving a family/stuff long distance. Any warnings?
Replies: 29
Views: 1576

Re: Best practices for moving a family/stuff long distance. Any warnings?

I moved our family of 4 from Pennsylvania to Florida. 3 BR split level to 4 BR ranch. Lived at the home for 14 years. Kids were raised there. Yes, we had stuff! Good time to clean out. Called ABF Trucking & had them drop off a 28' empty trailer. Filled it to the brim. We had 3 days to load. Called s...
by KSOC
Wed Aug 30, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: The Age 55 Rule for 401K Accounts
Replies: 38
Views: 6769

Re: The Age 55 Rule for 401K Accounts

Your Prudential administrator either didn't know you were >= 55 in the year of separation or they are unaware of the age 55 rule. With a separation at age 58, you can take distributions without penalty. You do not need to wait until age 59 1/2 to do so. Note: The age 55 rule and the age 70 1/2 RMD ...
by KSOC
Wed Aug 30, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10559

Re: Companies/Brands You Love?

Tough to answer. I prefer many companies, but love...hmmm.
A few I guess:
Apple
Weber
BF Goodrich (owned by Michelin)
Kia
New Balance
Grandma Utz's Kettle Cooked Potato Chips :D
by KSOC
Wed Aug 30, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: The Age 55 Rule for 401K Accounts
Replies: 38
Views: 6769

Re: The Age 55 Rule for 401K Accounts

I was laid off this year at age 58. My administrator (Prudential) told me I could take whatever amount I wanted penalty free as long as I left it in the 401k until age 59.5. I was paid severance until the end of 2017. So I won't even think of taking anything this year. I think I have enough taxable ...
by KSOC
Mon Aug 21, 2017 5:15 am
Forum: Personal Finance (Not Investing)
Topic: Other financial sites worth reading
Replies: 14
Views: 3139

Re: Other financial sites worth reading

Some new names for me to follow on Twitter! I like reading about investing & financial. Following reputable voices on Twitter allows their words to come to me. Talking about money & finances is not easy amongst friends or acquaintances. I'm comfortable in my investments now and don't really read muc...
by KSOC
Sat Aug 19, 2017 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Teacher 403(b) signup - any tips?
Replies: 18
Views: 1824

Re: Teacher 403(b) signup - any tips?

I guess I'm the CFO at our house too. When my wife got her teaching job she got access to a 403b also. This was before I found the BH website. Not knowing much, I picked American Century and I had her in some costly funds. They did ok, after all it was after the 2008 crash. I just got her switched o...
by KSOC
Tue Aug 15, 2017 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 6383

Re: Plan for making child pay for part of college

2 daughters. Told them before entering HS, study hard, take extra credits, nail those SATs. You go in state, we'll pay room and board, you pay tuition. Do your best to get scholarships & grants. One daughter had $10,000 in loans (4 years of tuition), the other got more grants & ended up with $1000 (...
by KSOC
Tue Aug 15, 2017 6:43 am
Forum: Personal Consumer Issues
Topic: How to get best deal on a rental car ?
Replies: 34
Views: 4301

Re: How to get best deal on a rental car ?

I do a fair amount of traveling and have had pretty good luck with http://www.carrentalsavers.com/ +1 My go to for car rental. Go to BWI quite often and there is no need to get a car from any other website. I find the best price with either the Visa Discount Tab or Mastercard Discount Tab. Lately V...
by KSOC
Sun Aug 13, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2510

Re: For those switching to Chrome from Firefox

I use FF on my mac. But somethings just don't open or appear & I need to use chrome for those. Chrome is also better I think for streaming video. Chrome can be a memory hog on PC's as it opens multiple background sessions for quicker reloading I guess. Check Task Manager when you're running chrome a...
by KSOC
Sat Aug 12, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7462

Re: How does personal wealth affect job hunting?

Yes to B & C. Gotta be close to home & no way am I working a 40 anymore.
by KSOC
Sat Aug 12, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: When does renting make sense
Replies: 112
Views: 10067

Re: When does renting make sense

I own a home. Have owned 2 in the last 26 years. My job has been eliminated, kids have moved out, wife still has 4 more years of teaching. We will likely downsize within the next year. We will rent until she is finished working, because we do not know where we want to end up in retirement. Upkeep of...