Search found 218 matches

by KSOC
Sat Feb 17, 2018 8:05 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 31
Views: 1944

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: 133
Views: 5904

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: 2104

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: 1135

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: 4081

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: 2104

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: 67
Views: 5338

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: 13460

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: 4543

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: 1502

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: 931

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: 2410

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: 5253

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: 2629

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: 10127

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...
by KSOC
Mon Jan 15, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: Besides Bogleheads, What Are Your Favorite Forums?
Replies: 92
Views: 10127

Re: Besides Bogleheads, What Are Your Favorite Forums?

Weber fans - grilling, smoking, eating. Good pics & tips. BBQ smoke is addictive.

tvwbb,com
by KSOC
Thu Jan 11, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Walmart closed my Sam's Club
Replies: 2
Views: 632

Walmart closed my Sam's Club

I was a little shocked to find my Sam's Club closed this morning. Found out from an employee there was a meeting to announce Walmart was closing the store. I guess they didn't have the numbers, but it was always busy. Still a few in the area just not as close by. I had just renewed membership (after...
by KSOC
Wed Jan 10, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2939

Re: What would you do with a 25 million windfall?

Jags4186 wrote:
Wed Jan 10, 2018 3:20 pm
Backflips
First thought was run nekkid down the street.
by KSOC
Mon Jan 08, 2018 8:20 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20090

Re: Anyone disenchanted with retirement?

Well, I haven't convinced myself I'm retired yet. I tell folks I'm looking for the right situation. Wife says I'm retired. Been 7 months since I've been laid off. I love each & every day. I keep busy with ALL the house chores & duties. Walk or elliptical hour plus a day. Wife works. I got called by ...
by KSOC
Thu Jan 04, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: Why Edward Jones?
Replies: 25
Views: 3505

Re: Why Edward Jones?

I have friends, ok, Facebook friends, who post stuff about how great EJ is. Someone is sure to comment how they love their EJ person & how great they did last year. I stay silent, to me it's talking to the wall. Although tonite someone asked for book recommendations. I replied "Bogleheads Guide to I...
by KSOC
Tue Jan 02, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Lost about $100 due to shipping issue?
Replies: 24
Views: 1839

Re: Lost about $100 due to shipping issue?

Good ending to your story. I sent a package (USPS) to my daughter that she never got & tracking showed nothing beyond a distribution center in another state. She walked to the nearby Post Office (2 blocks) to ask about it & the worker took the tracking # & was back in minutes. They were holding it f...
by KSOC
Fri Dec 29, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Severance Pay and 401k contributions
Replies: 15
Views: 1298

Re: Severance Pay and 401k contributions

Dottie57,

My severance pay (6 months salary) did not have any deductions other than 25% tax withheld.
by KSOC
Fri Dec 29, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: GS Bank raised rate to 1.20%
Replies: 30
Views: 5969

Re: GS Bank raised rate to 1.20%

Goldman Sachs Bank (now Marcus) savings rate bumped to 1.4% APY
Goldman’s new consumer lending arm, will be named “Marcus by Goldman Sachs” after the nearly 150-year-old company’s founder, Marcus Goldman.
by KSOC
Thu Dec 28, 2017 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5890

Re: Keeping a checkbook register

My concern with not having a register of some sort would be how to know your balance? I have things outstanding all the time, I can't just check the balance online and rely on that since Chase may take a week to process my cc payment. Or State Farm might not have cashed my homeowner's insurance che...
by KSOC
Thu Dec 28, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 95
Views: 5890

Re: Keeping a checkbook register

I still write checks. Just looked at the last year. Doctors,Labs,Weddings,Baptisms,Pet Registration,Car Registration,House Sitter,Christmas Charity. I keep my register on a spreadsheet program I downloaded. I enter my recurring data a month or two ahead so I can see my cash flow levels. All comes ou...
by KSOC
Wed Dec 27, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: Regarding Chase Freedom Q1 categories
Replies: 7
Views: 870

Re: Regarding Chase Freedom Q1 categories

That is my understanding. I also changed my Internet & Playstation Vue autopay to Chase Freedom.
by KSOC
Tue Dec 26, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3156

Re: Should we downsize?

I'd hold. Mostly because you said down the line you may purchase a similar house. You didn't say you hate it, or bad schools or neighborhood deteriorating. No buzz words. Moving is a PITA & expensive, and to think of doing it twice more... Looks to me like you two have set yourself up pretty good. D...
by KSOC
Sun Dec 24, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin
Replies: 74
Views: 7007

Re: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin

"Never invest in a business you cannot understand." Warren Buffett I'm too stupid for blockchain stuff. Barely understanding index funds. But I like knowing I own parts of 9,891 companies here & abroad. Is that the total world fund? Pretty much, but no. VG Total Stock Market & Total International M...
by KSOC
Sun Dec 24, 2017 2:08 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 387
Views: 30398

Re: What frugal thing did you do today?

Today I spent 1 hour cleaning our pool. Just like I have been doing for the last 14 years. So there's that. Yesterday I went to the nearby thrift store looking for a second crock-pot. i had one that died over the summer. Found a nice Rival for $3.50. Used it last night for a test, and will use tomor...
by KSOC
Sun Dec 24, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Do any of you follow Bob Brinker?
Replies: 64
Views: 6713

Re: Do any of you follow Bob Brinker?

Nope. Heard of him but never listened. Years ago, after we bought our first house, I would paint the rooms after a day of working. I found a fellow by the name of Bruce Williams. Mostly mortgage, CDs, interest rates, 1980's stuff. He could also be a bit curt with callers, but I liked his jib & learn...
by KSOC
Sat Dec 23, 2017 11:59 am
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 4105

Re: Happy Holidays Bogleheads. How others here helped you?

Best forum ever. This a never ending financial class & I gladly forward what I learn here to others who want help.

Merry Christmas, Happy Holidays & Good Health to all!
by KSOC
Sat Dec 23, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin
Replies: 74
Views: 7007

Re: Quite a few people I know in real life that normally don't mess with finances have brought up investing in bitcoin

"Never invest in a business you cannot understand." Warren Buffett

I'm too stupid for blockchain stuff.

Barely understanding index funds. But I like knowing I own parts of 9,891 companies here & abroad.
by KSOC
Fri Dec 22, 2017 6:37 am
Forum: Personal Consumer Issues
Topic: Lunch Ideas
Replies: 44
Views: 4452

Re: Lunch Ideas

My lunches are the same as when I worked. Choices: Usually leftovers. Then soups,sandwiches,burritos,egg rolls,protein bars,nuts,raisins,hard boiled eggs,cheese. At work lunch had to be quick,easy,satisfying & not bog me down because I had to keep moving. Now I can have a nice relaxing lunch while r...
by KSOC
Tue Dec 19, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Florida trip - do rooms on west side get too hot?
Replies: 16
Views: 1008

Re: Florida trip - do rooms on west side get too hot?

RudyS,

There were a few days last week that sunny side of the hotel might have cost extra (I was scraping my windshield). I'd spring for the Gulf view no matter. That sunset is worth it.
by KSOC
Mon Dec 11, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2064
Views: 1257225

Re: The Three-Fund Portfolio

My 23 YO daughter started new job. Company offered a nice 403b match of 6% (100%!) thru Fidelity Netbenefits. I was estatic about the match & also that the provider was Fidelity. Since my wife's 403b with Fidelity has well over 100 funds available, predominatley Fidelity I assumed they'd be similar...
by KSOC
Sun Dec 10, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2064
Views: 1257225

Re: The Three-Fund Portfolio

My 23 YO daughter started new job. Company offered a nice 403b match of 6% (100%!) thru Fidelity Netbenefits. I was estatic about the match & also that the provider was Fidelity. Since my wife's 403b with Fidelity has well over 100 funds available, predominatley Fidelity I assumed they'd be similar....
by KSOC
Fri Dec 01, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2794

Re: Have you moved to ETF's? Why or why not?

I have Vanguard Total Stock Market Admiral Fund that I throw small dollars at. I wanted some small cap so I buy VB ETF's @ .06 ER when I have larger cash. I'll switch to mutual fund version when I get to $10k & throw small dollars there too. I like ETF's for this reason but prefer mutual funds. Eve...
by KSOC
Fri Dec 01, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2794

Re: Have you moved to ETF's? Why or why not?

I have Vanguard Total Stock Market Admiral Fund that I throw small dollars at. I wanted some small cap so I buy VB ETF's @ .06 ER when I have larger cash. I'll switch to mutual fund version when I get to $10k & throw small dollars there too. I like ETF's for this reason but prefer mutual funds. Ever...
by KSOC
Sun Nov 26, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3939

Re: Should I keep the new iPad I bought or return it?

Last year I found a mini iPad at a great price and struggled if I really needed it. Have a Macbook Pro 13" & iPhone SE. Family talked me into it. So glad I did. I use all 3 everyday. The iPad goes with me on trips. I have books, movies, maps & podcasts loaded on it. Takes great pictures too. Yes, of...
by KSOC
Sat Nov 25, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 27888

Re: Why not take Social Security at 62

My plan is to take SS at 62. Small pension too. 401k & tIRA will grow and supplement if needed. My crossover is age 77. Male longevity history in my family not good. Mother just past away at 95. Dad died at 58. Not gonna roll that dice.
by KSOC
Sat Nov 11, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 10343

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: 2090

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: 5575
Views: 1261202

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: 5575
Views: 1261202

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: 5575
Views: 1261202

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: 2090

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: 3204

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: 4802

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: 4802

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...