Search found 663 matches

by Nearing_Destination
Mon Sep 18, 2017 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Calling out the not so rich bogleheads
Replies: 233
Views: 22639

Re: Calling out the not so rich bogleheads

I'll have to disagree with your premise, in the over ten years I've browsed and then posted a large majority have been on how to get started; setting up their accounts etc. Personally, my very early years were spent getting prepared for my "earning years " -- undergraduate and graduate school, early...
by Nearing_Destination
Mon Sep 18, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Save/invest and buy house with cash - yes/no?
Replies: 16
Views: 1085

Re: Save/invest and buy house with cash - yes/no?

Imperio

Other threads have also said not to buy until you actually get married, rent before then.

I agree with others that , depending on job stability and amounts dedicated to retirement, leveraging by purchasing a house, with say 20% down so as to eliminate PMI, is reasonable.
by Nearing_Destination
Fri Sep 15, 2017 8:12 pm
Forum: Personal Consumer Issues
Topic: Repair 2003 Honda Accord?
Replies: 26
Views: 1667

Re: Repair 2003 Honda Accord?

Remember that the 2003 Accord also had MAJOR transmission failures-- that was the death knell for our Honda
The V6 model, otherwise, was fairly good but putting too much money into a car like that with known failures is asking for it

I'd call it time to replace with newer unit...
by Nearing_Destination
Mon Sep 04, 2017 2:58 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance (Day 1)
Replies: 19
Views: 3389

Re: Inheritance (Day 1)

limit the amount to each bank to just under 250K. Or stock index funds as well. Good luck. So do I take this part of Zott's post to mean that I shouldn't have more than 250k in any one place at any one time??? 250k at Fidelity, 250K at Vanguard, and etc...??? NO The $250k limit applies to FDIC insu...
by Nearing_Destination
Thu Aug 31, 2017 10:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16203

Re: [Are the Bogleheads] getting less interesting?

5th dimension

Are we supposed to give you the "cheat" codes?

(They were earned from hard w@rk)


Reminds me, I need to change my username
by Nearing_Destination
Thu Aug 31, 2017 10:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 16203

Re: [Are the Bogleheads] getting less interesting?

That happens, and then sometimes the poster exits, either temporarily or permanently, but without being escorted out. I liked jbolden1517's posts also. I miss sscritic. Victoria I was going to respond to "going up"'s post with sscritic as well. He was the most knowledgeable person on the site WRT S...
by Nearing_Destination
Thu Aug 31, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Beginner Mountain Bike
Replies: 59
Views: 3102

Re: Beginner Mountain Bike

Hmmm, I'm guessing my Kona isn't considered a beginner MB....(like my old Trek road bike, from the 70's when they were hand built in Wisconsin)...but can't quite use them like I used to (no centuries, no 6 hour training rides) due to age and knee replacement ( :( ) For a total newb- a local bike sho...
by Nearing_Destination
Wed Aug 30, 2017 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 63
Views: 6090

Re: When to give resignation notice

I have seen this play out too many times. Some employers will allow you to work to the end of your notice period and if you become vested during that time you will get the vested benefit. But many (perhaps most) will arrange affairs to prevent a vesting event from happening for someone they know is...
by Nearing_Destination
Wed Aug 30, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7191

Re: How much sooner could you retire with NO property taxes?

+1. For example, if you have reasonably low income in retirement (say, under $40k or even $50k), you can often pay less in taxes living in a "high tax" state like Wisconsin than "low tax" states such as Florida, Texas, Tennessee. And the devil is in the details. Some states have partial/full exempt...
by Nearing_Destination
Wed Aug 30, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2299

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

Make sure that the facility has medical personnel in network of any plan she's in -- out of network charges otherwise would add up. Can you elaborate on this? My understanding is there's no private insurance or LTC insurance involved at all, just Medicare, her own income stream, any assets we can l...
by Nearing_Destination
Wed Aug 30, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 63
Views: 6090

Re: When to give resignation notice

I'll echo the other responses- wait one month and then give the required three months notice. If they terminate you earlier, then seek an attorney and file grievance with labor/personnel board (those that can affect licensing may have the most impact). Give the 3 month notice. If they terminate you...
by Nearing_Destination
Tue Aug 29, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2639

Re: Best lubricant for exterior door locks

4. "Moly grease " (a molybdenum disulfide mix ) holds up to low temperatures and high temperatures too Should be able to find it in hardware store. (Usually much cheaper than the teflon stuff,as well) But sounds like the real problem is that the door is seizing and some adjustments to the door are n...
by Nearing_Destination
Tue Aug 29, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: When to give resignation notice
Replies: 63
Views: 6090

Re: When to give resignation notice

I'll echo the other responses- wait one month and then give the required three months notice. If they terminate you earlier, then seek an attorney and file grievance with labor/personnel board (those that can affect licensing may have the most impact).
by Nearing_Destination
Tue Aug 29, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)
Replies: 29
Views: 2299

Re: Help me help my grandmother (nursing home negotiation and best way to clear out a home for sale)

{background: this last week MIL was put into nursing home after ~16 years being helped at home by caregivers} The NH she's in allowed a certain amount of furniture (she's in private room) and familiar sights-- like furniture and pictures helps Make sure that the facility has medical personnel in net...
by Nearing_Destination
Mon Aug 28, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Why not just buy BRK.B or BRK.A?
Replies: 49
Views: 3736

Re: Why not just buy BRK.B or BRK.A?

What if you'd purchased in 1972 and it was 1975--- you'd still be down while the S&P500 is almost at break even. Or look at 2002-2014 for both: not much difference but then have single company risk for BRK. ( Disclosure: I did have BRK from about '99 to ''08, when I still had single company stock. N...
by Nearing_Destination
Mon Aug 28, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 2139

Re: Buying fish (salmon) in Northeast?

You can always move out here to the PNW and get your salmon :)

(...and fresh Dungeness crab, too)
by Nearing_Destination
Mon Aug 28, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 21886

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

Its not a bad thing to spend some money on clothes. If your just starting out in your career you probably will need to drop some money to build a professional wardrobe. 4-5 nice suits (plus tailoring), 8 dress shirts, a couple of dress shoes, belts, slacks, ties, etc... It can easily creep over 5k+...
by Nearing_Destination
Sat Aug 26, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 8822

Re: Living Expenses - what's "reasonable"?

For the guy that misses buying berries in Spain... I don't think that was a guy. Just sayin. I don't think that was a guy either. Victoria Y'all are reading too much into this - this just tells me that the OP is a guy (people tend to think of others on the internet as same gender and age as themsel...
by Nearing_Destination
Sat Aug 26, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4966

Re: Lowes vs Home Depot

As KlingKlang has mentioned, the two stores target different demographics Well if we're going to play to stereotypes, I consider it a hole in Home Depot's lineup that they carry so few Bosch products - the company responsible for bringing us the jigsaw, originally invented when one of their enginee...
by Nearing_Destination
Sat Aug 26, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Any FL residents with a dash-cam?
Replies: 4
Views: 498

Re: Any FL residents with a dash-cam?

Hint: Florida isn't the only place that has high summer heat When in the Midwest-- during the upper 90's/100's temperatures, while the suction cup might have failed, there was no effect on the camera. BTW, if you get one make sure it has good nighttime recording and is at least high resolution (well...
by Nearing_Destination
Sat Aug 26, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31139

Re: What to do when a parent's money runs out?

The problem is...you DO know that the house will take a substantial investment to bring up to livable standards, those resources could be used instead to survive in more modest, but maintained, conditions. The OP mentioned that she was in Maine-- parts of which have some unique zoning laws. While we...
by Nearing_Destination
Sat Aug 26, 2017 8:26 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31139

Re: What to do when a parent's money runs out?

Dude2 This is the time for the housing situation to be resolved-- the future for her in that house is untenable... wouldn't you agree? This is the time to engage in determining local resources for housing, meals, medical...everything she will need. You really can't wait until the winter, especially ...
by Nearing_Destination
Sat Aug 26, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 218
Views: 31139

Re: What to do when a parent's money runs out?

Sorry, Dude2, but I have to disagree with you This is the time for the OP to make a stand The 15-20k is very material to them, likely it couldn't be recovered by sale of the property because it has already been reverse mortgaged (and most/all require the "homeowner" to maintain) and failure to fix b...
by Nearing_Destination
Sat Aug 26, 2017 5:52 am
Forum: Investing - Theory, News & General
Topic: How and when do you decide to do Tax Loss Harvesting?
Replies: 24
Views: 2362

Re: How and when do you decide to do Tax Loss Harvesting?

One reason for waiting until somewhat higher levels of TLH is the frictional costs.
by Nearing_Destination
Thu Aug 24, 2017 11:24 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9307

Re: Non-fiction bucket list

Fascism: The Career of a Concept , by Paul Gottfried The Black Book of Communism: Crimes, Terror, Repression , by Jean-Louis Panné, Andrzej Paczkowski et. al. Witness , by Whittaker Chambers ("Witness " was debunked by former soviet general-- (can't remember name right now-- good propaganda but, al...
by Nearing_Destination
Wed Aug 23, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 48
Views: 4966

Re: Lowes vs Home Depot

As KlingKlang has mentioned, the two stores target different demographics: Home Depot targets men Lowes targets women Their inventories, layouts, advertising are also consistent Notice that Lowes advertising is largely printed with colorful ads and tries for both but more focused on women versus few...
by Nearing_Destination
Mon Aug 21, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Rental car booted for prior unpaid parking tickets
Replies: 31
Views: 3541

Re: Rental car booted for prior unpaid parking tickets

RM

Maybe you should have gone to our area as originally planned-- the sky was clear

Sorry for your problem
by Nearing_Destination
Mon Aug 21, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7217

Re: School Redistricting - What should we do?

Option 5: as you are both feds, due to restructuring of agency (agencies) one or both of you are downsized causing you to investigate private sector jobs in different cities (With as many years ahead that you are looking, it's a distinct possibility--- not to get political) Seriously-- you may even ...
by Nearing_Destination
Mon Aug 21, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

Hmmm... there's still traffic getting out of the area-- over 9 hours later :twisted: We've got so much smoke from the local fires that the setting sun was red :? Thanks everyone for coming to the area (and not being crazy)... please drop your cash at the state line... to offset the costs of holding ...
by Nearing_Destination
Mon Aug 21, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

You're welcome catdude

It was nice in totality-- definitely felt the chill of the temperature drop, lots of "fureners " (cali, Washington, and a few others) The waystop at the county line was packed, as seen on tripcheck, now they are heading back your way :shock:
by Nearing_Destination
Sun Aug 20, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

Bobby Remarkably, the roads really aren't crowded-- (so much for "carmaggedon ") --just the Prineville area with the festival. Perhaps, the news of the fires is scaring away some--- check to see if there are cancellations. As I'm in totality-- just need clear sight line (smoke obscuring the cascades...
by Nearing_Destination
Fri Aug 18, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

Gerry Here in central OR, we've had the whychus fire and the current "milli" fire (still nowhere near contained and over 3000 acres earlier this morning) which has caused a bit of problem with visibility-- we are relatively clear in our location in the totality path-- but should still have enough cl...
by Nearing_Destination
Tue Aug 15, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: The Mathematics of Retirement Investing
Replies: 123
Views: 14274

Re: The Mathematics of Retirement Investing

In reading this thread, those that suggest 100% equities I sort of liken to those that might suggest that there is no need for insurance-- the likelihood of payoff over the long haul is negative. However, I've seen those that have suffered losses due to fire, tornadoes, etc and the consequences for ...
by Nearing_Destination
Tue Aug 15, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for my Wife - Introductory Post & First Question
Replies: 23
Views: 3107

Re: Planning for my Wife - Introductory Post & First Question

Taylor had a thread last year "Letter of Final Instructions" that also included a number of items to insure she knows everything and where they are at
by Nearing_Destination
Mon Aug 14, 2017 6:12 am
Forum: Personal Finance (Not Investing)
Topic: Rent Out or Sell My Condo...
Replies: 21
Views: 2040

Re: Rent Out or Sell My Condo...

Denovo You also forgot to note that there may be limitations on how many units in the condos that can be rented (Oftentimes above a certain level, mortgage companies won't write, leading to no buyers able to purchase. ) I would say-- SELL. Especially since you are not even certain that you would be ...
by Nearing_Destination
Sat Aug 12, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7698

Re: Aug. 2017 US total eclipse hotel reservations.

Without traffic it is a 60 minute drive to totality. I plan to wake up early and check the traffic maps. If it is backed up, I'm staying home. If it's clear, I'll go for it. The drive home will be lousy but at least I will have seen the eclipse. The worst case scenario is sitting for hours in traff...
by Nearing_Destination
Sat Aug 12, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Elite status clubs that you are part of?
Replies: 31
Views: 3361

Re: Elite status clubs that you are part of?

None....


just like a lot here, we're just Phi Beta Kappa and Beta Gamma Sigma....





(didn't feel like being Mensa when some of the individuals were real a$$es, and I didn't need the "validation ")
by Nearing_Destination
Sat Aug 12, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14546

Re: How far would you travel to see The Eclipse?

6 feet ...to the back deck, looking west to the Cascades... for just over one minute forty seconds of totality... in the area most likely to be clear ( except for the current smoke and haze from the wildfires here and coming down from BC. (Sorry catdude, you need to come north a bit to be in totalit...
by Nearing_Destination
Thu Aug 10, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5396

Re: Oregon road trip help

Senior83 I was thinking it was one of the two, but didn't remember which--- I had spoken to those in Eugene, and had even looked at potential properties in the area around the lake (and didn't like the area versus other spots) {...and don't forget to stop at the Huckleberry Inn for the huckleberry i...
by Nearing_Destination
Wed Aug 09, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5396

Re: Oregon road trip help

Hoops The state fair in Veneta, west of Eugene, can be quite variable as I understand it ( with traffic to match). While I haven't been to it, I'm not sure it's worth it-- better to focus on the coastal locations. The route I gave before, if you can get out to 26 early enough should be good. The tou...
by Nearing_Destination
Wed Aug 09, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 85
Views: 5396

Re: Oregon road trip help

Gerry You should see what we expect in the zone of totality a bit north of Bend :wink: For the OP: alas I think that any trip to crater lake is out during the short timeframe; [ now, if they had instead started at the Eugene airport, I would have had them head to Eugene for the early time, then spen...
by Nearing_Destination
Tue Aug 08, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 884

Re: Advice on trip from SLC > Moab > DEN

Tycho and ridebike Back in the day when I did it, it wasn't even paved to the parking area (not even close), so they must have paved a lot more of the grade {I used to live in CO decades ago (father was a native)... and "Go Buffs " (who might go 6-6 or even 7-5 this year (as last years 10-2 is unlik...
by Nearing_Destination
Tue Aug 08, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 884

Re: Advice on trip from SLC > Moab > DEN

(1) RMNP can get very crowded, especially as you get closer to the weekend. Start early. If "Trail Ridge Road" is open (usually depends on when the snow starts) it is a must-do. It's the highest paved road in the US. October is a great time to go. The views will be stunning. Small note, Mt. Evans r...
by Nearing_Destination
Mon Aug 07, 2017 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do you deal with financial anxiety?
Replies: 40
Views: 3091

Re: How do you deal with financial anxiety?

A glass of red wine solidifies my belief. :sharebeer Liquidity is a great thing. Amen Proper diversification is also important. A glass of white wine. Sometimes US, sometimes French. ...or German (reisling) or Oz or Argentinian.... Seriously-- take a look at your allocation to get to a SWAN level (...
by Nearing_Destination
Sun Aug 06, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: knee replacement and air travel screening
Replies: 11
Views: 1240

Re: knee replacement and air travel screening

I seem to get TSA pre-check all the time-- they just send you through the body scanners without needing to remove shoes. Haven't had any problems. (Still need to remove keys, coins, etc )
by Nearing_Destination
Sun Aug 06, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 33892

Re: What's the ideal safe retirement net worth target?

Interesting but long thread... From upthread, the 25x (4%) comes from a thirty year retirement and 50/50 allocation (with info from 1926-2014)--- same allocation but 35 year retirement gives 96% survival at 4%, 40 year retirement only has 86% survival at 4%, while 20 year retirement gets 99% at 5% (...
by Nearing_Destination
Wed Aug 02, 2017 11:43 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9802

Re: Burned out at 28. Do I have enough?

Treat this as an (early) mid-life crisis. - Take a vacation - Have a fling - Buy a red sports car Then get back to work. Fixed that for you--- OP doesn't really have the funds for the rest. I think it's not an early mid-life crisis-- rather it's a sudden realization of the rest of his w@rking life ...
by Nearing_Destination
Wed Aug 02, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Decisions about remaining leave
Replies: 3
Views: 542

Re: Federal Retirees - Decisions about remaining leave

As Swansea stated-- there's a formula to convert hours to months-- anything left over is lost. Sometimes, if you are close, it's best to leave a little extra in sick leave and use annual. Of course, make sure it's sick use (not blue flu or "mental health day ") ... I had over two thousand hours befo...
by Nearing_Destination
Wed Aug 02, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Barcelona Hotel Recommendations
Replies: 24
Views: 1798

Re: Barcelona Hotel Recommendations

When we were in Barcelona, we'd booked the Hotel Gaudi It's right across from the Gaudi Museum and about a block from Las Ramblas. Get the upgrade to a terrace room from the regular room- then you have a view across to see the tourists looking at the museum (your viewing of the sight is free)and hav...
by Nearing_Destination
Fri Jul 28, 2017 9:51 pm
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 5740

Re: TSA Pre-check for free

I seem to be given it almost all the time...