Search found 121 matches

by TN_Boy
Thu Aug 17, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9543

Re: Anyone planning on never retiring?

I'm planning on retiring but I'm expecting to never quit working. Retirement: - Yes, some day I will no longer provide value to companies related to my current career (high tech) - I have a 401k etc - I'm "hoping" for SS, hoping I can eventually make use of that 401k The reality: - Healthcare (ie. ...
by TN_Boy
Thu Aug 17, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9543

Re: Anyone planning on never retiring?

A friend of mine retired at age 62. She told me before she retired that she was afraid of retiring because all of her retired friends became "stupid" once they retired. By that she meant that they seemed to lose their ability to think critically or remember things, and that this "stupidity" happene...
by TN_Boy
Mon Aug 14, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6547

Re: It's easy to have an investment plan until you get punched in the face

One's ability to stick with buy and hold is inversely proportional to the frequency they look at their accounts. I don't know about that. I checked my accounts frequently during the 08/09 meltdown. But I didn't just buy and hold. I tax-loss harvested and bought more. Many of the boglehead community...
by TN_Boy
Wed Aug 02, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: How to Account for Taxes - 25X Rule
Replies: 16
Views: 1848

Re: How to Account for Taxes - 25X Rule

Okay so it seems my problem in understanding the rule is that when people say "25 X expense" they are including taxes in "expense". I just always think of taxes as taxes and not expense (even though now that I think about it, it is). Sorry for being dim on this.... Thanks for the help. Yes, the 25x...
by TN_Boy
Sun Jul 30, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3647

Re: Golfers - need to ramp up ASAP!

I would not personally choose golf as a way to get exercise. Most courses that would be frequented by a casual golfer, at least in my area, would require you to use a cart. The exercise that you get is certainly not cardiovascular and is not at all well rounded. If you would be sitting in a recline...
by TN_Boy
Mon Jul 24, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3647

Re: Golfers - need to ramp up ASAP!

Hi BH Golfers, I was invited to a big reunion with some college friends. Among the activities is 18 holes of golf. I have one month to prepare. I haven't golfed in probably 20 years and I was never bit by the 'golf bug.' But now I live within walking distance of two golf courses and it might be a g...
by TN_Boy
Tue Jul 18, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Pension Survivor Benefit in Lieu of Long Term Care Insurance?
Replies: 27
Views: 1275

Re: Pension Survivor Benefit in Lieu of Long Term Care Insurance?

Hello, I’m starting to think seriously about retiring soon, and I need some help thinking about pension options. Specifically, should we take reduced pensions with survivor benefits in lieu of long term care insurance? Background: I’m 55 my spouse is 52. We’ve got about 2 million saved (largely fro...
by TN_Boy
Sat Jul 15, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9769

Re: Do you count vehicle equity in net worth?

What is the meaning to count this net worth? If you want to brag about it, you can count whatever you want. I gave two reasons further up in the thread why somebody would have a good reason to compute their net worth. Especially if at/near retirement you really need to know this number. In fact, I ...
by TN_Boy
Sat Jul 15, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9769

Re: Do you count vehicle equity in net worth?

I don't think any primary home, furniture, vehicles etc. should be included as you would always need a home to live in ( or pay rent), need furniture and vehicles. Only the amount Sitting in your bank and brokerage account etc. plus any equity in rental/investment property should be counted as your...
by TN_Boy
Sat Jul 15, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9769

Re: Do you count vehicle equity in net worth?

I do. The three cars we use are worth right now in the used market around 250k and they have no loans on them. Why would I not count them? We also count the boat. These are fairly liquid assets and it has happened before that I sold everything to make an investment or transaction. If my cars were w...
by TN_Boy
Sat Jul 15, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3629

Re: what's your secrete to cleaning inside car windows?

I still don't get great results. I use window cleaner from Stoner which I believe is pretty good, then take microfiber towels. I never do it when the windows are warm or hot, and not in direct sun. I think the inside of car windows are hardest given the angles, how I need to twist my joints that do...
by TN_Boy
Thu Jul 13, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 9769

Re: Do you count vehicle equity in net worth?

Boy, lots of people compute NW. I wonder why. It's a side effect of my using Quicken, but the only things I use NW for is to see if we're up or down versus last year, and occasionally when I make my half-hearted pitch to my wife to retire. And, since I don't track cars in Quicken, the short answer ...
by TN_Boy
Mon Jul 10, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 10116

Re: Long term care insurance - is it worth it?

... if you do purchase coverage, do not shoot for full coverage of the worst case scenario. Target the limit for the average case at most. Insurance for the average case is more like prepaying an expense than insurance. The concern is if you're the one who needs care for a very long time. There sho...
by TN_Boy
Sat Jun 24, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2179

Re: Cars my only weakness, make me feel bad!!

The big issue is I only drive about 6-7k miles a year and my wife 9-10k. My last 3 cars out the door (paid cash no trade-in so all in price) were $53k, $44k, and $34k. Of course maintenance tends to be more as they take synthetic oil, tire changes every 15k miles for $1k or so, etc. I'm not going t...
by TN_Boy
Sat Jun 24, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4198

Re: Good camera - new baby coming

But I also said I'd just go with a smartphone for somebody didn't want to learn more about photography. Exacly! Even though the Sony I purchased is very easy to use as is, to really get 100% out of it needs lot of understanding of the camera capabilities and numerous options in the menu systems. He...
by TN_Boy
Sat Jun 24, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4198

Re: Good camera - new baby coming

Our babies are now adults but I too had an itch to get "better" camera than our iPhone7 and iPhone7+ for travel. I ended up with Sony mirror less with two lens kit (about $1000 when everything added up) and just used it on our fabulous AZ/UT National Parks trip. Now sorting through thousa...
by TN_Boy
Fri Jun 23, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4198

Re: Good camera - new baby coming

Smartphones have killed the camera market and cameras on smartphones are getting better day by day. Get a good phone (iphone 7, pixel, s7). In my opinion, there is no need to buy DSLR or any other cameras. And upgrade your phone every 2-3 years. Nothing can beat a smartphone camera today in terms o...
by TN_Boy
Thu Jun 22, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 64
Views: 4198

Re: Good camera - new baby coming

This thread has probably ran its course, but I just can't help myself. I recently spent many hours researching, purchasing, and learning to use a fairly nice DSLR, a D7200. I shoot in RAW and use lightroom and photoshop for post processing. Unless you are willing to dedicate over a $1,000 in camera...
by TN_Boy
Sun May 28, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: When to start talking to older parents regarding their finances (and how to do it?)
Replies: 37
Views: 4245

Re: When to start talking to older parents regarding their finances (and how to do it?)

When to start talking? When they ask for your help. Unless someone is struggling, it doesn't seem like just being in one's 70's indicates much of anything. If they are mentally competent you have no standing to butt in. If they ask, help. Otherwise let adults live their own life. This is the camp I...
by TN_Boy
Fri Apr 21, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Most of quote deleted .... The RX100 is decent but the photos came out a bit cold on auto mode for me. Mine also broke after a year so I am not confident on the build quality. It is much more pocketable. An excellent camera but I think it is showing its age personally. I haven't handled the RX100, ...
by TN_Boy
Thu Apr 20, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Quote Tn_Boy "Cool visit to Cuba! Assume these are from the Samsung? I like those pictures, great colors and well composed (I especially like what I assume is a panorama of the Morro Castle) , but they don't sway my opinion that a better camera gets you better pictures. But, the cell phone is ...
by TN_Boy
Thu Apr 20, 2017 5:04 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

As far as I can make out by looking at iPhone7 and iPhone7+ images, I could not see the "intelligent" merge. I see two images; in one the background have been mostly washed out but the faces have more light; the second one has the detail in the background but the faces are now dark. Are t...
by TN_Boy
Wed Apr 19, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

I appreciate this discussion very much and I am in learning process. For "do it what I mean", I am thinking that since camera has already determine where the faces are in the picture, it could selectively brighten them up. As a matter of fact, the reason camera went through the HDR troubl...
by TN_Boy
Wed Apr 19, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Please, I know about following, but as I said it is NOT an option, especially when the photographer herself is the better half. Do not bother with the following. All I am asking is that the camera to "simulate" the fill-in flash at pixel level. I am an engineer, so technically I see no re...
by TN_Boy
Wed Apr 19, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Most of quote deleted .... The RX100 is decent but the photos came out a bit cold on auto mode for me. Mine also broke after a year so I am not confident on the build quality. It is much more pocketable. An excellent camera but I think it is showing its age personally. I haven't handled the RX100, ...
by TN_Boy
Mon Apr 17, 2017 8:58 pm
Forum: Investing - Theory, News & General
Topic: Janus Unconstrained, almost three years in...
Replies: 27
Views: 3701

Re: Janus Unconstrained, almost three years in...

Wow. It sounds like the investors who stuck with the PIMCO Total Return Fund and didn't bail, had the last laugh. Those who left PIMCO and went to the new Bill Gross fund at Janus must be feeling pretty stupid right now. I don't know, I wouldn't lose that much sleep knowing my $10K underperformed b...
by TN_Boy
Mon Apr 17, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 3132

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

Those calculations based on survival tables are useful for insurance companies and pension funds that insure large numbers of people. Averages can be relied upon for large numbers. But when there are only two people involved, averages mean little. You might expect to have an average life span, but ...
by TN_Boy
Mon Apr 17, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits
Replies: 41
Views: 3132

Re: Help me decide pension benefits, single life, 50%, 75% and/or 100% survival benefits

Agree with those advocating 100% survivor. That is the choice we will make in a few years given very similar options. +1 to the PV calculation - it is nice to know that our choice has the highest probable PV. Also, a friend who retired a few years ago took the default 50% survivor (which could seem...
by TN_Boy
Mon Apr 10, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

I'm looking at cameras with 1" sensors for an upcoming Alaska cruise. Don't want to hassle with DLSR and a bunch of lenses. Thinking about the SonyRx10iii, which is weather sealed and has a 24-600mm equivalent zoom. Awfully expensive, though ($1498). The Panasonic FZ1000 is my fall back option...
by TN_Boy
Mon Apr 10, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Require Access to School Records?
Replies: 113
Views: 6431

Re: Require Access to School Records?

The appropriate amount of information for a financially supporting parent to expect to receive from their college student child is midterm grades (if they exist) and final grades in each subject every semester/term. The student should automatically volunteer that information, and really should expl...
by TN_Boy
Thu Mar 30, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Leica Q - The best take it everywhere camera ever! It is quite expensive, however. This is a good example of how every camera has compromises. The Leica (which costs thousands) is indeed compact and can take excellent pictures according to the reviews (it has a full-frame sensor and excellent low l...
by TN_Boy
Wed Mar 29, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

I think you guys scared off the OP.. We did kind of go far afield, huh? It would still help to know more about what the OP is looking for in terms of price, size, zoom range, etc. I'm guessing since he mentioned that specific Olympus model he's interested in a waterproof model. Not scared off just ...
by TN_Boy
Wed Mar 29, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 102
Views: 9943

Re: Best take it everywhere camera

Those are some pretty strong claims about DR base performance. Apple is buying its sensors from Sony just like Nikon is, so it's very unlikely the base performance a tiny Sony sensor in an iPhone is as good as the base performance of a Nikon camera with a Sony full-frame sensor. No, it's entirely a...
by TN_Boy
Fri Mar 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 1565

Re: How to make my old MacBook to work?

We have a 7 years old Apple MacBook that my spouse bought for their personal use. Spouse didn't use it much and it's been lying around without any one. Even without use, the laptop became slow to use. I'm a blogger and the personal laptop I use is about to die. Before I go and buy a new one, I'm wo...
by TN_Boy
Thu Mar 16, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5415

Re: Fidelity vs. Vangard?

The investment options are pretty similar (several of Fidelity's are nominally very slightly cheaper in terms of the headline expense ratio figure), though Vanguard has an edge in a few categories (e.g. junk bonds, certain muni bond funds), especially if you prefer regular mutual funds to ETFs and ...
by TN_Boy
Tue Mar 14, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 6145

Re: Car engines. Turbo vs no turbo

I trade my 2014 Subaru Forester XT (Turbo, CVT) for a 2017 Acura RDX (V6). Reason: The Turbo and CVT lacked the power and traction to confidently make it up my 17% grade if there was snow or ice on the gravel surface. Maybe snow tire would have helped but chains, according to Subaru, are a no-no. M...
by TN_Boy
Sat Mar 11, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: help with my printer problem
Replies: 30
Views: 2324

Re: help with my printer problem

There is no such thing as a cheap inkjet. They gouge you on the ink cartridges. I think the only reason they charge for the printer at all, rather than strewing them helicopter Ben style, is so people won't see a gift horse and look in it's mouth. yea not an inkjet fan. literally gave my last one a...
by TN_Boy
Sat Mar 11, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 4657

Re: Total Annual Expenses

Our total household expenses target is around (preferably below) $30k. How about you? Assumed that taxes are excluded from this expense target. Perhaps, "cost of living expenses" is a more appropriate title. Are you including: - Periodic expenses like buying a new car every ? years? [for ...
by TN_Boy
Sat Mar 04, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: How to 'deal' with large swings in withdrawals when using VPW?
Replies: 26
Views: 2101

Re: How to 'deal' with large swings in withdrawals when using VPW?

Re. living to 100: the longevity calculator below tells me a 50-year-old male has a 10% probability of living to 100, and 25% of living to 95. I am quite surprised how high those numbers are. m I do taxes for seniors in the area. Last week I had one woman come in who was 101+ and at another site a ...
by TN_Boy
Fri Mar 03, 2017 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for advice with severance pkg - little overwhelmed
Replies: 46
Views: 3907

Re: Looking for advice with severance pkg - little overwhelmed

Why is COBRA a ripoff? It's a lot of money and it's likely more coverage than one needs. $1500-2000/month for my family, for instance. No thanks. I'll echo a couple of other responses to this remark. Cobra is is the same insurance a terminated employee had while working, except they are now paying ...
by TN_Boy
Fri Mar 03, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: How to 'deal' with large swings in withdrawals when using VPW?
Replies: 26
Views: 2101

Re: How to 'deal' with large swings in withdrawals when using VPW?

With new medicine people live to 100 regularly if they can afford it. I'd make sure the family appreciated what they received, not expected a fixed increase annually like .gov's inflations expectations. jmho No, with new medicine people do not "regularly" live to 100 no matter how much mo...
by TN_Boy
Sat Feb 11, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Photoshop - what to get?
Replies: 42
Views: 2347

Re: Photoshop - what to get?

I would like to get a photo editing software to touch up some of my old photos. Most of these are old photos (from 50 - 100 years old), and I'd like to do things like get rid of blemishes, digitally patch up tears, etc. Which version of photoshop do I get? There seems to be something called "E...
by TN_Boy
Mon Feb 06, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Do you account for likely life expectancy in retirement?
Replies: 63
Views: 5464

Re: Do you account for likely life expectancy in retirement?

My wife and I are DINKS. We have always made it a point to live below our means. In fact, we have pretty much always been able to live on just one of our incomes. While I plan to stop working in the next couple years my DW plans to work a bit longer and her salary would be sufficient to maintain ou...
by TN_Boy
Tue Jan 31, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Is there a way to scan a really long photo?
Replies: 24
Views: 2032

Re: Is there a way to scan a really long photo?

I disagree with the phone suggestion; any picture you can take with a phone you can take with a high-quality camera and the latter will produce substantially better pictures, even hand-held. What a phone lets you do is close-focus. I have done this many times -- for eBay photos, for example. You ca...
by TN_Boy
Mon Jan 30, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Is there a way to scan a really long photo?
Replies: 24
Views: 2032

Re: Is there a way to scan a really long photo?

Agreed. Find a friend/professional photographer/etc... with an excellent camera and take a lot of pictures. Microsoft has a stitching app (haven't used it in years as I've moved to a Mac) that was pretty cool: photosynth. Light is everything for this. I doubt you will be able to tack it to a wall (...
by TN_Boy
Sun Jan 29, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 2927

Re: Help with mother-in-law's finances

To the OP, I was curious, how confident are you in saying the annual expenses are 30k, "including - debt." I assume debt means the mortgage, the car loan and the credit card? Because 30k seems pretty spartan, I look at expenses as: - housing -- mortgage/rent, cable, phone, electricity, wa...
by TN_Boy
Sat Jan 28, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with mother-in-law's finances
Replies: 34
Views: 2927

Re: Help with mother-in-law's finances

Hope you can help! rest of OP deleted ... Annual expenses: ~$30K including - debt Mortgage: $119K left (28 years to go on 30 year mortgage) Car: $15,500 left (loan through me) Credit card: $3000 (12% interest) To the OP, I was curious, how confident are you in saying the annual expenses are 30k, &q...
by TN_Boy
Thu Jan 26, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1581

Re: Storing pictures on long trips

I don't use digital cameras. I use my iPhone 6. It automatically integrates across all of my devices. There is never any need for active transfer or organization. Once on wifi, everything syncs. That works if you are content with iPhone quality pictures (many people are, and the latest smart phones...
by TN_Boy
Wed Jan 25, 2017 5:52 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1581

Re: Storing pictures on long trips

Just before my last trip I bought a 32Bbyte card for my dSLR. Even in raw mode, that card has room for a couple years of pictures. I don't have a need to store them anywhere else. However, I take a laptop with me on trips and a couple of 1 Tbyte external drives for backups and other things, so if I...
by TN_Boy
Wed Jan 25, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Storing pictures on long trips
Replies: 24
Views: 1581

Re: Storing pictures on long trips

We are about to go to Asia for 2 months. We are not bringing laptops, just iPads. How do folks normally transfer pictures from camera memory cards? I can buy more memory cards to store them, but obviously that is not the cheapest. I guess I can find a place to burn them into CDs or find a hotel com...