Search found 150 matches

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: 75
Views: 3666

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: 2937
Views: 863672

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: 2162

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: 6718

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: 12380

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: 22677

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: 12380

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: 12380

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: 12380

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: 12380

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: 41
Views: 5300

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: 15934

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: 1484

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: 6417

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: 156
Views: 9222

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: 6417

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: 2944

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: 17
Views: 1544

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: 5834

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: 4197

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: 2260

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: 6944

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: 9388

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...
by KSOC
Mon Jul 31, 2017 5:19 am
Forum: Personal Consumer Issues
Topic: Non Stick frying pan
Replies: 56
Views: 3865

Re: Non Stick frying pan

sunny_socal wrote:Get yourself a good cast iron pan, use a little oil and it's totally non stick even with eggs. Iron is better for you than aluminum as well.

Lodge is common, here is the fancy brand

http://www.stargazercastiron.com/
+1
Switched to cast iron ten years ago. Simple. Versatile. Cheap. Forever.
by KSOC
Mon Jul 24, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3406

Re: Home Security System with/without monitoring

I too have been thinking about a HSS. SimpliSafe seems intriguing, mostly for the DIY aspect. For those who have SS, how does the system perform without subscription to home monitoring? Can you still use the app and view cameras, etc.? Website says that subscription is not required, but I have not ...
by KSOC
Sun Jul 23, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3406

Re: Home Security System with/without monitoring

Did you consider Simplisafe? It too has cameras, completely wireless and monitoring is optional ($14.99 month). I didn't realize monitoring was optional with simplisafe. I had read (on bogleheads) that they had a software hacking issue or something so that didn't make me feel "simplisafe." Perhaps ...
by KSOC
Sun Jul 23, 2017 9:03 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3406

Re: Home Security System with/without monitoring

So my house was build with a DSC alarm system installed but never used. When I purchased I left the system alone and did not use. We were broken into while we slept upstairs with no idea it happened until the police knocked on our door at 2am to say the found the person. Since then I went ahead and...
by KSOC
Sun Jul 23, 2017 5:49 am
Forum: Personal Consumer Issues
Topic: Home Security System with/without monitoring
Replies: 40
Views: 3406

Re: Home Security System with/without monitoring

Did you consider Simplisafe? It too has cameras, completely wireless and monitoring is optional ($14.99 month).
by KSOC
Sat Jul 22, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 135
Views: 10321

Re: Is Amazon Prime worth it?

Time is money. I order stuff from Amazon Prime quite often. I once ordered a pair of shoelaces. I hate fighting the traffic and crowds at malls and shopping centers, even though I might be able to find the item in question for a lower price than Amazon has it listed for. There is a major mall 4 mil...
by KSOC
Mon Jul 17, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: anyone retire and move to a planned community in FL?
Replies: 48
Views: 6574

Re: anyone retire and move to a planned community in FL?

This not directed to the OP, but other concerning the weather in Florida. Our hot summers are nature's form of population control. I'm almost 59, 44 years previous in Pennsylvania & the heat/humidity doesn't bother me. I do yard work, go for walks & other outside activities mid-day during the summer...
by KSOC
Tue Jul 11, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 16
Views: 2151

Re: Virgin Mobile unlimited talk, text, data for $1?

Picked up one for my wife last night online. She had a out of contract Verizon 4S that wouldn't hold a charge for long plus I had switched carriers as well losing any discounts we had on the phone. Friends in the area have the same service and are happy with it so we will give it a shot. $601 for t...
by KSOC
Mon Jul 10, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Issues rolling over Ameriprise Annuity to Vanguard. Help?
Replies: 6
Views: 551

Re: Issues rolling over Ameriprise Annuity to Vanguard. Help?

I had an issue too. Ameriprise called my wifes 401k rollover an IRA Annuity too. It took me 3 tries but we got it done. First it has to be originated with the proper Ameriprise form. Filled out, signed by your wife. Sent to Vanguard, signed there then they mail it to Ameriprise. Ameriprise lets it s...
by KSOC
Wed Jul 05, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1540

Re: Stable Value Questions

KSOC wrote:Do you have a quarterly or yearly plan fee?
No fees since I do not use their investment advice.
Me neither, the fee is Prudential's Maintenance fee in my employers plan. $13.25 per quarter. Just pointing out. :happy
by KSOC
Wed Jul 05, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Stable Value Questions
Replies: 12
Views: 1540

Re: Stable Value Questions

2) Should I keep a portion of my assets in the 401k plan so I can access to the stable value fund My Stable Value Plan is guaranteed 3.10% until end of year. I also pay plan charges of $53 per year on top of an ER of .35%. It's by far the most expensive fund in my portfolio which consists of 4 Vang...
by KSOC
Tue Jul 04, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 54
Views: 5801

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Two spreadsheets, both locked. One with all the passwords & one with all investments. Sheets printed & locked in safe. At the beginning of each month we go over where we're at & where we're headed. Doesn't take long. Usually over a cup of coffee and we talk "business" for a bit. Upcoming bills, repa...
by KSOC
Mon Jul 03, 2017 7:08 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14535

Re: Sam's Club vs. Costco

The search feature on Costco's website is basically non-functional. It's actually exceedingly difficult to locate anything on their website. They may as well not bother having a website, because it's totally useless. Really?I probably have the lowest level computer skillls on this forum and their s...
by KSOC
Sun Jul 02, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14535

Re: Sam's Club vs. Costco

@KSOC, you need to look harder for the frozen pizzas. Usually found outside their dairy freezer by their pre-made ready-to-cook meals (also superior at Costco).[/quote] Saw the frozen pizza's, was wondering if Costco had refrigerated pre-made pizza you take and bake at home. Not a big deal. Aldi ha...
by KSOC
Sun Jul 02, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 14535

Re: Sam's Club vs. Costco

Pretty fascinating discussion going on here. I had no intention to post but, what the heck. I am a Sam's Club member for the last 6 or 7 years. Don't buy as much there anymore as it's pretty much just the wife and I now. Last few years I have debated dropping out. Is it worth the dues? Probably not ...
by KSOC
Sat Jul 01, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 4195

Re: Anyone else got all their eggs in only the Vanguard basket?

Here's a cut-and-paste of a post I made years ago on the old Morningstar Vanguard Diehards forum: ************************************************************* What if Vanguard Went Broke? This is a very serious and timely issue, so I'll address it to hopefully set everyone at ease. First, The Vang...
by KSOC
Thu Jun 29, 2017 7:01 am
Forum: Personal Consumer Issues
Topic: Prevention Magazine
Replies: 3
Views: 590

Re: Prevention Magazine

Prevention is available free online thru Zinio. You can probably get access thru your Public Library account.
by KSOC
Sun Jun 25, 2017 9:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 14431

Re: Anyone else gotten totally bored with investing?

No, not bored. Satisfied? Methodically calm maybe? I applied so many best practices from so much knowledge gained here or directed to from here. I feel satisfied in where I've positioned our investments & tightened up our finances. Que sera, sera. I sleep well, even with recently losing my job. ...
by KSOC
Fri Jun 23, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Worthwhile TV programming?
Replies: 55
Views: 3878

Re: Worthwhile TV programming?

Narcos, Bosch, The Crown, Home Fires, Downton Abbey, Mr. Selfridge, Fortitude, Mozart in the Jungle, Orphan Black, Black Mirror, Blue Bloods, Homeland, The Affair, Ray Donovan, Fargo 1,2 & 3, Better Call Saul, The Profit, Halt & Catch Fire, The Blacklist, just to get started.
by KSOC
Thu Jun 22, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 16
Views: 2151

Re: Virgin Mobile unlimited talk, text, data for $1?

I saw an announcement that Virgin Mobile is offering a year of service for $1 if you buy an iphone from them and transfer your number before September sometime. The iphone SE starts at $279 for the 32GB version through Virgin Mobile (Apple sells the same one for $399). This deal appears too good to...
by KSOC
Sun Jun 18, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Example of why this forum is so good
Replies: 19
Views: 3407

Re: Example of why this forum is so good

Is "Buy Low Sell High" market timing? If it is I'm guilty. I'm positioning my self now to buy equities when the market declines. I'm not hording cash, but stocking extra in my stable value fund.
by KSOC
Sun Jun 18, 2017 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of changing my international allocation
Replies: 19
Views: 1662

Re: Thinking of changing my international allocation

My international allocation (Vanguard Total Stock) is solely in my 401k and is about 6%. I have always struggled with holding any at all. Was talking to my best friend about a year ago about this (one of the few people I know who is knowledgeable about finance), and he said enough to make me do noth...
by KSOC
Fri Jun 16, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 2791

Re: Happy Fathers Day - got me a used Weber grill!

I love my Weber Kettle & gasser. Taught me the difference between cheap & frugal. New K-mart gas grill every two years or 1 Weber, well the first one still going strong after 12.
by KSOC
Thu Jun 15, 2017 7:31 pm
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5966

Re: Favorite Feature of Vanguard Website?

I just like the simplicity. For a novice like me it's comfortable. Vanguard provides me with all the information I need for investing. I've had/have accounts at Ameriprise, American Century, TD Ameritrade & found them puzzling & vague. Sister has an account at TIAA she has me look over, agai...
by KSOC
Mon Jun 12, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 6542

Re: Have you canceled cable?

Is there any potential problem in cutting home phone? Anyone have any problems with just having a cell for any reason? Never thought of it before and I'm wondering if I'm missing anything. Could there be any problems in an emergency? Are you happy with your decision to cut phone? Any issue ever com...
by KSOC
Mon Jun 12, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3982

Re: which IPAD?

My 1st generation iPAD is now very slow for browsing so I am thinking about a new iPAD. Since I am in the Apple eco system, I am only looking at iPADs. I am using it mostly for reading and for surfing the net when I am not close to my PC. Which model do you recommend? Should I wait until the new iP...
by KSOC
Mon Jun 12, 2017 5:10 am
Forum: Personal Consumer Issues
Topic: Vue/Sling tv users--what do you miss?
Replies: 43
Views: 3049

Re: Vue/Sling tv users--what do you miss?

Have Vue. Tivo with antenna wired to 7 TV's. Roku or Apple box at each. Subscribe to Netflix, Vue & Amazon Prime. There is nothing we miss about traditional cable tv or satellite. Only live tv we watch is local news & Seminoles football. I have never had better value.