Search found 572 matches

by Nearing_Destination
Mon May 22, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1174

Re: I'm calling "tails" on all the tosses of this coin...

Keystone

I've heard of more modern fakes-- but "wheaties "?

Any idea where they might have been faked by?
by Nearing_Destination
Mon May 22, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1174

Re: I'm calling "tails" on all the tosses of this coin...

It's very real--
I've looked at it under magnification and bright light
It's a Fine plus (not quite VF grade) with the stamping not quite 180 out from each other

Quite unique as far as I can tell
by Nearing_Destination
Mon May 22, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: I'm calling "tails" on all the tosses of this coin...
Replies: 11
Views: 1174

I'm calling "tails" on all the tosses of this coin...

Calling all coin collectors-- While I've been a numismatic collector for years and have encountered other "error " coins, I've never seen one of these: I found a genuine Lincoln wheat cent with both being a reverse -- no heads at all and it's clearly an original strike Obviously I can't te...
by Nearing_Destination
Fri May 19, 2017 7:41 pm
Forum: Investing - Theory, News & General
Topic: Single most important investing advice?
Replies: 96
Views: 10935

Re: Single most important investing advice?

Grt2bOutdoors wrote:To invest, one first must save.



Yep
You can't invest what you don't save.

As others have said: start early , even small amounts add up and perhaps the discipline will be established to more fully save/invest; and along the way learn about personal finance and retirement investment
by Nearing_Destination
Fri May 19, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Where to get oil change?
Replies: 35
Views: 2285

Re: Where to get oil change?

I get my oil changed once a year when I get the state inspection done. Hmmm... that means I'd never have an oil change :? For the OP and others, remember that Houston gets a lot of rain, often flooding I-10 and the loop in low spots (as well as the side streets bracketing the highway) so the issue ...
by Nearing_Destination
Fri May 12, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum Gain,swinging for the fences
Replies: 65
Views: 4496

Re: Maximum Gain,swinging for the fences

Well, being the TimeLord, clearly it's:

Time Adjusted Rationally Distributed International Securities
by Nearing_Destination
Sat May 06, 2017 11:49 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3176

Re: First 100 mile bike ride

- If you can ride 40-50 miles, you're ready. I think that is the longest I rode before going 100+. - Make sure you have some bites to eat while you're riding. Use goos and bars if you like them. Stay hydrated. - I used SaltStick tabs--who knows if helped. - Assuming you're doing this with others---...
by Nearing_Destination
Sat May 06, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3176

Re: First 100 mile bike ride

In my younger days, I did ride centuries-- but not with speed, so mine were the 8 hour variety. My training rides were generally 5 1/2 to 5 3/4 hr-- you need to build up your endurance: at about 75 miles in you will hit the wall , just as with marathons, due to lactic acid buildup. Plenty of fluids ...
by Nearing_Destination
Wed Apr 26, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: Schwab Vs. Vanguard?
Replies: 32
Views: 4472

Re: Schwab Vs. Vanguard?

The difference in mutual funds expenses is not big enough to be a driver for this decision unless you're talking about smaller investment amounts that don't qualify for the admiral share pricing. Schwab has far superior customer service, integrated bank accounts, and branch offices. Vanguard has a ...
by Nearing_Destination
Wed Apr 26, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Colorado trip - w visit to Red Rocks
Replies: 19
Views: 1155

Re: Colorado trip - w visit to Red Rocks

I was going to be snarky and say if you didn't want to have a couple of hours driving that you could bicycle from your hotel to Red Rocks (in my prior days, when I lived there, I bicycled from the other side of town to Red Rocks, but unless you are acclimated to the altitude and a good rider you mig...
by Nearing_Destination
Wed Apr 26, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Can a reluctant executor simply reassign the role?
Replies: 31
Views: 2329

Re: Can a reluctant executor simply reassign the role?

In our trust, there is language defining what one needs to do to opt out of the position and also a clear successor trustee. Also, didn't the trust have to file a trust tax return in the last two years, as well. I haven't looked, but I suspect that there would be substantial penalties for failure to...
by Nearing_Destination
Tue Apr 25, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: co-worker had a baby, chipping in on gift- how much?
Replies: 57
Views: 3234

Re: co-worker had a baby chipping in on gift- how much?

Like others, for those that I knew/interacted with regularly, I might give some amount ($10-$20) but otherwise nothing. Same even for retirement-- BTW, when I retired, I didn't even ask for/declined a party and certainly didn't request gifts, so at least I was consistent in my policy. Some offices d...
by Nearing_Destination
Sat Apr 22, 2017 9:43 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Adults-only All-Inclusive resort/hotel?
Replies: 21
Views: 2387

Re: Recommendation for Adults-only All-Inclusive resort/hotel?

Agree with Couples Negril; fly into MoBay and they have a shuttle. The beach at Bloody Bay at the west end of Jamaica is great, nice gentle shelf and no real waves. The staff was very good and attentive to needs. (Haven't been to Hedonism, so can't address them) Have been to Punta Cana, DR but didn'...
by Nearing_Destination
Sat Apr 22, 2017 11:55 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 5340

Re: Six pack for barbecue?

This being Bogleheads... you should diversify among the IBU's and styles :) :beer (Some places will allow you to build your own six- or twelve packs-- since you don't seem to have a full knowledge of beers, you might ask a more knowledgeable clerk at a store to help build a good assortment. ) {Here ...
by Nearing_Destination
Fri Apr 21, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: InSoFast
Replies: 2
Views: 301

Re: InSoFast

No

But the R value of the foam products, for the depth, isn't as high
There are a number of similar products-- go to any big box store and look
by Nearing_Destination
Fri Apr 21, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 2037

Re: White Gold ???

It's dihydro IBTL
by Nearing_Destination
Tue Apr 18, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8109

Re: Mens Blue Jeans - What are we buying now?!

Levi's 550. Relaxed fit. I've been wearing these for years. I think they call them dad jeans now. Thankfully they still print the waist size clearly on the label as a daily reminder. Same here - still wearing 550's - been doing so for 20 years. I find they fit me best - I subscribe to Levis.com and...
by Nearing_Destination
Tue Apr 18, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7073

Re: Did anything surprise you in your 2016 taxes?

For 2016's taxes I had to pay in for my federal taxes for the first time ever. Oddly enough, I only had to pay in $1. :o The surprise of having to pay in for federal taxes (even for a trivial amount) motivated me to max out my 401k contributions this year so that I won't have to worry about getting...
by Nearing_Destination
Tue Apr 11, 2017 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Calculus
Replies: 31
Views: 7142

Re: Early Retirement Calculus

Hmmm.... For early retirement I think it's differential equations not calculus :P When we retired, we had just a bit over your numbers-- but with a small pension and a paid off house. Since your house isn't paid off and it appears you would need her income, keeping the insurance on her is prudent. (...
by Nearing_Destination
Mon Apr 10, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: Best way to expand my vocabulary?
Replies: 102
Views: 5590

Re: Best way to expand my vocabulary?

What's the kerfluffle?
Would it be a Pyrrhic victory to have the
vocabulary but lose the audience? ......

(Edit: hate spell check)
by Nearing_Destination
Mon Apr 10, 2017 8:31 pm
Forum: Personal Consumer Issues
Topic: You can never go "home" - retirement
Replies: 85
Views: 12502

Re: You can never do "home" - retirement

Many of the places I grew up in NO LONGER EXIST -- (and we moved quite a bit-- most all of the locations are just a brown patch of ground now; so any childhood memory would just be that-- a memory
by Nearing_Destination
Sat Apr 08, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Car door lock problem
Replies: 11
Views: 736

Re: Car door lock problem

Out of curiosity, did you perhaps consider asking on, I don't know, a car forum? Maybe even one specific to your model of vehicle: http://www.mdxers.org/forums/ Not trying to be a jerk, but I'm just not sure why Bogleheads has become the de facto site for any and every possible question. Question a...
by Nearing_Destination
Fri Apr 07, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 1884

Re: Top tape measures

Width of tape measure is kinda important-- if you have a good 3/4" one it should work well; the half inch ones bend too easily. The markings need to be easily read, as well.

FYI I use a 25 ft 3/4 " width Dewalt; beats a Stanley hands down
by Nearing_Destination
Fri Apr 07, 2017 9:28 pm
Forum: Personal Consumer Issues
Topic: How much did your roof cost?
Replies: 47
Views: 7325

Re: How much did your roof cost?

Last house, about three years ago, 43 square for just over 13 k in the Midwest for architectural shingles
by Nearing_Destination
Fri Apr 07, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Donating a low value used car
Replies: 7
Views: 943

Re: Donating a low value used car

I think from an earlier thread that one consideration was that charities DON'T retitle the donated vehicle in their name and that , as a consequence, the vehicle doesn't get taken off the prior owners record , which can have serious consequences if the new owners get involved in say a hit and run or...
by Nearing_Destination
Thu Apr 06, 2017 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly entered two comma club
Replies: 44
Views: 7005

Re: Secretly entered two comma club

Yep, cash flow versus balance sheet-- (and I don't include home equity in two comma) you can't use home equity for paying bills nor can you access certain retirement accounts without significant penalties. Stealth millionaire is better-- no expectation of keeping up with the Jones, needing the lates...
by Nearing_Destination
Thu Apr 06, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Got my second comma -- what is this anticlimactic feeling?
Replies: 55
Views: 6702

Re: Got my second comma -- what is this anticlimactic feeling?

We had the conversation just the other day: can we call ourselves millionaires? Does it not count because it is one million between the two of us? Do we need two million for each of us to be able to call ourselves millionaires? 8-) No problem here-- over a couple large, paid off home, retired with ...
by Nearing_Destination
Thu Apr 06, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: How many financial secrets?
Replies: 58
Views: 5692

Re: How many financial secrets?

My spouse cares, but isn't really interested in the family finances. I pay bills, set aside savings, make investment decisions, manage reoccurring expenses, manage debt levels, complete our taxes, etc. She has a set amount of money every 1st and 15th for her personal use (as do I). We discuss major...
by Nearing_Destination
Thu Apr 06, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?
Replies: 34
Views: 3511

Re: When a company is bought out, what happens to the stock (like with Panera/Krispy Kreme)?

Hmmm...$315/share ? I remember researching them, while still in STL (they were based there-- St. Louis Bread Company) when they were $8 a stub :shock: Didn't pull the trigger-- didn't expect the level of growth that they had; expected more competition leading to lower ROI...somehow they're still get...
by Nearing_Destination
Mon Mar 27, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4379

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

Currently a federal employee, I prefer the federal employment in your situation. One thing to keep in mind though is that the FERS pension could change in the future. We've already seen the change from .8% to 4.4% for new hires. There's been discussions in the past to have us contribute up to 50% o...
by Nearing_Destination
Mon Mar 27, 2017 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Federal pension beats high salary and savings rate? (fed vs contractor for employment)
Replies: 47
Views: 4379

Re: Federal pension beats high salary and savings rate? (fed vs contractor for employment)

I'm going to be a contrarian-- You did notice the higher contribution requirements that FERS now requires (4.4%) and should have noticed the low COLA (if any) that have been given the last few years (just as likely you've had low COLA's as a contractor, as well). With the number you've thrown out, y...
by Nearing_Destination
Mon Mar 27, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: Why are international and US stocks down today?
Replies: 53
Views: 3627

Re: Why are international and US stocks down today?

I think it has to do the that escalator in Hong Kong that went the wrong way. Just like bird flu apparently it's contagious. Huh. :confused I thought it was due to "Leggings-Gate". https://www.nytimes.com/2017/03/26/us/united-airlines-leggings.html?_r=0 That should have only affected the ...
by Nearing_Destination
Mon Mar 27, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6575

Re: Weathering sell-off days like today

I remind myself of the good old days of October 1987. We didn't have internet then - we had to listen to the panic in the voices of the talking heads on the wireless and watch for falling stock investors when walking in the financial district. While I certainly remember October '87, I didn't have t...
by Nearing_Destination
Mon Mar 27, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6575

Re: Weathering sell-off days like today

While I'm not sure why the OP is concerned, since it's only about a 1% drop , I had already taken my tax gain harvest last week-- in part of my IPS to drop equities to 45% in my post-retirement phase. So maybe blame me :|
by Nearing_Destination
Sat Mar 25, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 7657

Re: Does your asset allocation derate tax-deferred holdings to account for future tax liability?

In our planning stage, I assumed a 25% marginal tax rate; so used 1.25 X of average expenses (plus20%) as an absolute floor and didn't differentiate between pre- and post tax sources ( they were roughly 50/50 initially). Now in retirement, I've found that was overkill, in that I expected we could ha...
by Nearing_Destination
Tue Mar 21, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: What building year I should seek when shopping for a house?
Replies: 33
Views: 2564

Re: What building year I should seek when shopping for a house?

In NYC, the descriptor to watch for is "pre-war". That's WWII. :shock: OH, I was thinking there that it would have been pre-revolutionary war..... OP: I think there may be a consideration for avoiding homes built in the time of aluminum wiring.... and for those with the old knob and tube ...
by Nearing_Destination
Wed Mar 08, 2017 12:16 am
Forum: Investing - Theory, News & General
Topic: Oh no! The Ohama Titanic Syndrome signal.
Replies: 24
Views: 4596

Re: Oh no! The Ohama Titanic Syndrome signal.

Don't worry... the band will play on ..........
by Nearing_Destination
Mon Mar 06, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3769

Re: Tell me about Alaska

Helo's have altitude restrictions and, if I remember, were limited in airspace versus the regular fixed wing aircraft. We were able to land on the glacier after going all around the mountain.
by Nearing_Destination
Wed Mar 01, 2017 12:50 am
Forum: Personal Finance (Not Investing)
Topic: retirement planning
Replies: 11
Views: 928

Re: retirement planning

For those in retirement: Are you finding that your spending in retirement is very similar to the amounts you spent pre-retirement? As others have noted, you need to base it off of **expenses** not income. The financial groups/planners often expect those asking to have no real savings and be spendin...
by Nearing_Destination
Wed Mar 01, 2017 12:26 am
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2783

Re: saving for european vacay in 2055

inbox788 wrote:
Nearing_Destination wrote:For a 2055 vacation, I sure hope it's not Venice :shock:

What's wrong with Venice?


Nothing wrong with it Today -- but at the rate it's sinking, a visit in 2055 might be a bit too late.
by Nearing_Destination
Tue Feb 28, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Weighing up how much to spend on house
Replies: 25
Views: 2417

Re: Weighing up how much to spend on house

From reading the earlier entries on this post, the major question is where will you retire to? Are you really staying at the same location? If not, **DON'T BUY** ; the transaction costs will outweigh any benefit. If staying there, the most you should look at appears to be ~ $350-400k house. Any high...
by Nearing_Destination
Tue Feb 28, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: saving for european vacay in 2055
Replies: 31
Views: 2783

Re: saving for european vacay in 2055

For a 2055 vacation, I sure hope it's not Venice :shock:
by Nearing_Destination
Mon Feb 27, 2017 1:04 am
Forum: Personal Finance (Not Investing)
Topic: New role inside the company - what would you choose?
Replies: 14
Views: 1793

Re: New role inside the company - what would you choose?

Haven't you just answered your question? You mentioned prioritizing fit and family-- with one job likely high stress, new boss (with likely high demand with his/her reports), and up to 60% travel-- and yet you have two very young kids (and presumably want to see them). Kind of a no-brainer from that...
by Nearing_Destination
Mon Feb 27, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 55
Views: 3374

Re: Outdoor grill: gas or electric?

Another pellet grill user (but not Traeger) I'd used gas before, some good experience and some bad; charcoal always was more trouble. The pellet grill can be the best of both worlds-- and the use of various wood pellets can give the flavor profile you want; spouse loves the BBQ, steaks, etc coming o...
by Nearing_Destination
Sun Feb 26, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: moving from landscaper/snow plower to diy in retirement
Replies: 44
Views: 3071

Re: moving from landscaper/snow plower to diy in retirement

thanks for all the replies. I've done some research, I can get a floor model sear craftsman 20442 rider mower delivered for $1800. Comes w full warranty, well reviewed by consumer reports and on the sears site. Maybe I'm missing something but seems like the payoff would be one season or less. But.....
by Nearing_Destination
Sun Feb 26, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Prior year AGI doesn't match and I can't retrieve it??
Replies: 11
Views: 1055

Re: Prior year AGI doesn't match and I can't retrieve it??

Hmm...
Possibly someone else could be using your SSN to try/have employment...(political, so won't elaborate)

You may need to have paper returns and have secure number issued from IRS in future returns.
Good Luck

Check your credit in all agencies; possibly need to freeze credit, as well.
by Nearing_Destination
Sun Feb 26, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: How should people factor Social Security into their "magic number" with early retirement?
Replies: 76
Views: 6230

Re: How should people factor Social Security into their "magic number" with early retirement?

Getting back to the question at hand: Social security is an income stream--just as Duffer and others in a multitude of other threads have stated. Decades out it's almost impossible to determine what your income needs are going to be, but once known, subtract the income stream that is social security...
by Nearing_Destination
Thu Feb 23, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3769

Re: Tell me about Alaska

OP When I said "through the mountain" I meant ***through*** the mountain-- you are going through a tunnel built during the war that carried material from the more protected sound to Anchorage --- Whittier was an old army base built in the area, the ruins of buildings are still there. Train...
by Nearing_Destination
Thu Feb 23, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3769

Re: Tell me about Alaska

The "narrated " bus trip in Denali doesn't stop at each potential drop off, those planning to drop off have to show the driver their back country passes (only available at the ranger station) which lets the driver know where to stop for them. You can't just get off without a pass except at...
by Nearing_Destination
Thu Feb 23, 2017 1:28 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 42
Views: 3769

Re: Tell me about Alaska

OP I'd be very unlikely to get any discount airfares this late- I had to book 11 months in advance, with lots of work, to get frequent flier miles trip for two some years ago- it can't be any easier today with the airlines further restricting the seat availability. Note also that if going to Whittie...

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