Search found 315 matches

by Woodshark
Tue Jan 17, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 30
Views: 3218

Re: Biting the bullet and getting off the roof.

A note to all the "I've heard that story before but it would never happen to me" folks here. Well, it did happen to me many years ago. I was in my early 40's. Still thin, agile, limber, a rock climber and firmly in the camp above. One afternoon I was cleaning off the roof over our sun room...
by Woodshark
Tue Jan 17, 2017 7:52 am
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 30
Views: 3218

Re: Biting the bullet and getting off the roof.

I went with Leaf Guard last August and am very happy. I fell twice from the ladder and found myself cleaning the gutters almost weekly since they clogged with virtually every rain. No more problems! I had tried screens, etc. before but was never satisfied. For me it was worth the money and my only ...
by Woodshark
Tue Jan 17, 2017 7:48 am
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 30
Views: 3218

Re: Biting the bullet and getting off the roof.

Leaf Guard has worked well for me (about 7 years now with no problems). I had Gutter Helmet before but it seemed to clog and I replaced it with Leaf Guard and it's much better. You do get some big icicles with it though. That's the only downside but other than that it's great. Thanks for the respon...
by Woodshark
Tue Jan 17, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 30
Views: 3218

Re: Biting the bullet and getting off the roof.

Sandtrap wrote:What about pruning back, if practical, the source of the leaves and debris?


I wish I could but it's my neighbors pine trees. Heavy winds carry them to us with every storm or heavy breeze.
by Woodshark
Mon Jan 16, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 30
Views: 3218

Biting the bullet and getting off the roof.

After years of cleaning out our gutters, I’ve decided that I don’t want to do this anymore. One wrong slip and my retirement years could come to an abrupt stop. In the past I’ve tried the screens, the foam inserts and the mesh. They might be great for leafs but pines straw defeated all three. I’m ti...
by Woodshark
Mon Jan 02, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Car for Teen next year...new vs used?
Replies: 50
Views: 3373

Re: Car for Teen next year...new vs used?

Get a decent but used car, not a new one. Why? Because no matter how careful, they are going to ding it, bash into something or have a fender bender in the first year or two. It's just they way things work.
by Woodshark
Mon Jan 02, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5377

Re: This is a good weekend to start tracking your net worth.

At the risk of just another me too post I'll admit we do it too. I started tracking our net worth about 17 years ago on a simple one page hand written table. In simple form it lists the item totals in our taxable and non-taxable accounts minus any loans outstanding. (Not had an outstanding loan in m...
by Woodshark
Thu Dec 15, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 1839

Re: "New" or Refurb Rechargeables for Old Tools

Stupid question: Say you have a NiCad battery powered 18 volt drill (of whatever brand). Can you simply replace the 18V NiCad battery with a 18V Li-Ion battery (of the same brand as the drill)? Some you can, like the Ryobi. Maybe the Dewalt too but I'm not 100% certain. Also, you can't charge the L...
by Woodshark
Tue Dec 13, 2016 6:55 pm
Forum: Personal Consumer Issues
Topic: "New" or Refurb Rechargeables for Old Tools
Replies: 36
Views: 1839

Re: "New" or Refurb Rechargeables for Old Tools

If you are an occasional user of battery powered tools than you can find very cheap no-name tool batteries off of EBAY or Amazon. I've done this for two of my cordless drills and the cheap batteries are over two years old and still working. They don't match the original batteries, as they run out of...
by Woodshark
Sun Dec 11, 2016 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund/Cash
Replies: 20
Views: 2099

Re: Emergency fund/Cash

Like others have said, I've not read the book but IMHO if this type of event ever happens then both cash and gold are useless. You need something to trade for food, water and shelter. Ask yourself what would be in high demand if the world went all tilt-y? My thoughts are ammo and alcohol. If I subsc...
by Woodshark
Sun Dec 11, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Kitchen Cabinet Info
Replies: 10
Views: 1516

Re: Kitchen Cabinet Info

Ebay is a great resource for cabinet handles. We purchased our very nice maple and maple ply kitchen cabinets RTA (ready to assemble) locally and our cabinet pulls from Ebay.
by Woodshark
Sun Dec 11, 2016 6:13 pm
Forum: Investing - Theory, News & General
Topic: A question for newbie Bogleheads
Replies: 22
Views: 1769

Re: A question for newbie Bogleheads

My a-ha moment was an amalgam of....... 1. You can expect a return of around 4% after inflation. If you give a financial planner "we only charge 2%" as a fee, you are giving away 50% of your earnings. and 2. Quit trying to buy the next Apple stock or chasing last years top performing fund,...
by Woodshark
Sun Dec 11, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: Cordless Power Razor
Replies: 6
Views: 399

Re: Cordless Power Razor

I've had a corded Norelco for way too many years. It just keeps working. I replaced the blades after a few years and it still shaves just fine. I toyed with a cordless model but I fear the batteries will get old and fail way before the shaver does.
by Woodshark
Sun Dec 11, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and capital gains
Replies: 16
Views: 1701

Re: Reinvesting dividends and capital gains

For many years in my taxable account I auto-reinvested my Div and Cap gains. Then a financial advisor (I was younger then) recommended I not do that. He recommended letting them accumulate till it was time to re-balance and invest them then. Even though we no longer use a advisor I continue doing it...
by Woodshark
Sun Nov 27, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 246
Views: 27382

Re: What is your favorite consumer product?

Speaking of rum, Pyrat rum...with pineapple juice...I used to doubt brand loyalty when it came to rum. No longer. Good call. I have a couple of bottles of Pyrat rum stashed away right now. If you like Pyrat then you need to try Zaya rum. It is my favorite for sipping. No mixers allowed. What's your...
by Woodshark
Wed Nov 23, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Creating W2s and 1099s
Replies: 4
Views: 461

Re: Creating W2s and 1099s

I hired an accountant to do mine. It was less than I thought it would be.
by Woodshark
Fri Nov 11, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 266
Views: 40627

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

As a retired artist and educator (we retired in our early to mid 50's) the pretty much describes us too. We are just frugal by nature and routine. There are people who are frugal and there are people who are spendthrifts and there are people somewhere in between. What makes them the way they are, I ...
by Woodshark
Thu Nov 10, 2016 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Anybody have an "In case of emergency read this!" excerpt or statement?
Replies: 14
Views: 2516

Re: Anybody have an "In case of emergency read this!" excerpt or statement?

Years ago this is what I printed out to read before any panic based change in investments. It sits in the front of my investment binder and I'm forced to look at it if I'm thinking about a major change. If the market ever seems to be plunging and I'm thinking about selling then I must read it first....
by Woodshark
Fri Nov 04, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Sole Proprietor or S Corp?
Replies: 12
Views: 1354

Re: Sole Proprietor or S Corp?

Although I’m retired now, back in the 80's I started my business as a Sole P. and went to an S-Corp after a couple of years. The biggest difference between the two I can think of is this. As a Sole P. all of the profits of your business are treated as personal income. This means you pay not only inc...
by Woodshark
Tue Nov 01, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: How do you make your Martini?
Replies: 63
Views: 3660

Re: How do you make your Martini?

As much as I like Tito's, vodka is not a martini. Maybe call it a Gimlet? OK, I'll go along with that but to me, a martini means gin. My preference for gin is Beefeater. I like Hendricks. I think it is excellent but alas........it does not like me. Nasty headaches. A touch of vermouth, 6:1 thank you...
by Woodshark
Fri Oct 21, 2016 6:31 am
Forum: Personal Consumer Issues
Topic: Cell phone service abroad
Replies: 33
Views: 2747

Re: Cell phone service abroad

You'll need to call Consumer Cellular to confirm if your phone is unlocked for international use Just heard back from Consumer Cellular. They tell me that my J3 is not locked, so no unlocking should be necessary. If/when we get to the airport in NZ, I'm thinking I'll give the international SIM a tr...
by Woodshark
Fri Sep 23, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5554

Re: I guess we better peek when it comes to Vanguard

OK, you guys (and girls) have got me a tad concerned. We have a lot of accounts with Vanguard. His and her's IRA, SEP IRA, Brokerage, Joint Investment,etc. Although I check my account weekly, I'm generally just looking at the grand total of all the accounts together.With daily market fluctuations th...
by Woodshark
Wed Sep 21, 2016 7:52 am
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 33
Views: 3457

Re: closet organizing system

Another vote for EasyClosets. Designed online and reviewed with their designer. It shipped within one week and we installed it ourselves in one day. I could have built it myself but the wife was looking for something faster than " I will get around to it" EasyClosets was a good compromise ...
by Woodshark
Thu Sep 08, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we disprove the 3% perpetual withdrawal rate?
Replies: 36
Views: 3549

Re: Can we disprove the 3% perpetual withdrawal rate?

You can never say never. However, if you take in consideration the historical averages. ( Yes. I know. We've never had market with conditions like this before. etc, etc.) then 4% per year is supposed to be the basement, rock bottom AWR for about 95% of all previous times. All of them! Wars, depressi...
by Woodshark
Wed Sep 07, 2016 6:30 am
Forum: Personal Consumer Issues
Topic: Secondary Market for Tools and Antique related Items
Replies: 9
Views: 782

Re: Secondary Market for Tools and Antique related Items

If it is a large shop based tool such as a tablesaw, bandsaw, drill press etc., I would recommend selling it on Craigslist. There are a lot of people looking for good used tools. Price it fairly and it will be sold fast. (I recommend 50-70% of new depending on condition) As is often the case, the pe...
by Woodshark
Sun Aug 28, 2016 4:59 pm
Forum: Personal Consumer Issues
Topic: Talk me out of 4500 purchase [Camera]
Replies: 133
Views: 9252

Re: Talk me out of 4500 purchase [Camera]

I've been a professional photographer for over 25 years. It's been my full time job, not a hobby thing. Although I understand the need for new toys, a camera to me is just a tool. My older model 5D MkII still produces the image quality that I desire and my clients appreciate. Higher resolution? I do...
by Woodshark
Mon Aug 15, 2016 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Self-made Millionaires: how did hitting 7 figures change you?
Replies: 304
Views: 44163

Re: Self-made Millionaires: how did hitting 7 figures change you?

What a tough rich crowd here :D If non bogleheads were reading this link they'd think we were nuts. 1 mil in investable assets is what top 5% or 1% (not talking networth here). 1 mil plus SS + pension + part time job + paid off house or any combo can support a very comfortable lifestyle in most par...
by Woodshark
Thu Aug 04, 2016 5:48 pm
Forum: Personal Consumer Issues
Topic: closet organizing system
Replies: 33
Views: 3457

Re: closet organizing system

Another vote for EasyClosets. We did a lot of research and, although not cheap, it was reasonable and much less expensive than having someone come out and do a custom job. They had a great stock system that was easy to customize and install. I'm a fairly good woodworker and I could have easily custo...
by Woodshark
Thu Aug 04, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: What is a safe indoor relative humidity?
Replies: 7
Views: 745

Re: What is a safe indoor relative humidity?

We live on a lake in hot and humid south Carolina. 55% is what is comfortable to us. If we try for anything less than the AC and dehumidifier have to be running all the time.
by Woodshark
Sat Jul 23, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Cinque terre in September....
Replies: 18
Views: 1596

Re: Cinque terre in September....

We just came back from Italy about 4 weeks ago. It was our fourth trip to Cinque Terre and it will definitely be our last. Years ago it was a real hidden gem of travel. Now they bus, train and boat in cruise ship day trippers. The villages have been literally loved to death. During the day, they are...
by Woodshark
Mon May 16, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Best moving option
Replies: 15
Views: 1634

Re: Best moving option

We moved a state away this past fall. I found out you can hire people to just load or unload the moving van. Go to movinghelp.com
I rented a UHaul and hired people to pack it. I drove the moving van and hired another crew to unpack it. It went very well and I saved a fair amount of money.
by Woodshark
Sat Apr 23, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Million? [Will I get there]
Replies: 41
Views: 5979

Re: Million? [Will I get there]

Is one million a magic number? I really don't know but is your first million a magic number? You bet ya! At least for us it was. I know and understand that it is just a number on a spreadsheet. Out of context of our lifestyle and expenses it is meaningless. But when we did cross into the double comm...
by Woodshark
Wed Mar 23, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: W-2 for Nanny Paid Only $1200 in 2015?
Replies: 2
Views: 522

Re: W-2 for Nanny Paid Only $1200 in 2015?

First off I will admit that I am not an accountant and this is totally out of my wheelhouse. That said, does she only work for you or for other people also. If so, she might be considered as an independent contractor. If she invoices you, you might only have to provide her a 1099. Something to look ...
by Woodshark
Sat Mar 12, 2016 5:10 pm
Forum: Personal Consumer Issues
Topic: Rental car in Italy
Replies: 31
Views: 3183

Re: Rental car in Italy

Thanks for the heads up on the IDP. We are planning a three week trip to Italy in June. It has been 15 years since we were there and I totally forgot about having to have a IDP when driving there. There is not a AAA office around here but I found out you can just mail in an application with your req...
by Woodshark
Fri Feb 19, 2016 5:11 pm
Forum: Personal Consumer Issues
Topic: did you pull a permit for new central air?
Replies: 8
Views: 915

Re: did you pull a permit for new central air?

I've had several replaced and never even considered pulling a permit. Of course I'm in the Southeast.
by Woodshark
Sat Feb 13, 2016 8:45 am
Forum: Personal Finance (Not Investing)
Topic: What is your decline in Net Worth as of today?
Replies: 96
Views: 11631

Re: What is your decline in Net Worth as of today?

Good gosh, I can't follow the daily, weekly or even monthly gyrations. It would drive me crazy.

I do know that in 1990 I had a net worth of around $6,000. Now it's still in two comma club range. So all in all I'm happy with it.
by Woodshark
Wed Feb 03, 2016 9:06 pm
Forum: Investing - Theory, News & General
Topic: Make your retirement money last
Replies: 46
Views: 11803

Re: Make your retirement money last

Years ago I really enjoyed reading “Making the Most of Your Money NOW”. The width and depth of the topics covered were perfect for someone with my (then) limited understanding of investing and financial planning. The writing was so clear, informative and approachable that I gave several copies out a...
by Woodshark
Fri Jan 22, 2016 5:17 pm
Forum: Personal Consumer Issues
Topic: Unexpected Costco cash card and letter in the mail
Replies: 8
Views: 2095

Re: Unexpected Costco cash card and letter in the mail

I received a card for $20 with a note saying that the item of clothing I purchased was not 100% cotton as stated on the label.
by Woodshark
Fri Jan 22, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 69
Views: 6823

Re: Vanguard Store Items

I bought two of the "retiree in training" tee shirts last year. I gave one to my wife when she was 90 days from her retirement party and the other to a good friend who was thinking about retiring this spring. Both of the recipients thought they were great.
by Woodshark
Thu Jan 07, 2016 10:25 am
Forum: Personal Consumer Issues
Topic: Vacation Deal
Replies: 9
Views: 1112

Re: Vacation Deal

Another recommendation for Bookit.com
by Woodshark
Thu Jan 07, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Cheap source of Science Diet Optimal Care cat food?
Replies: 25
Views: 1834

Re: Cheap source of Science Diet Optimal Care cat food?

Our cat is on a prescription cat food due to severe allergies. Normally we would purchase it at our local vet. We have recently moved and now purchase it via Chewy.com I have found them very pleasant to deal with.
by Woodshark
Sun Jan 03, 2016 3:47 am
Forum: Personal Consumer Issues
Topic: Minivan or SUV?
Replies: 24
Views: 2453

Re: Minivan or SUV?

Years ago I bought an SUV. Not for off-roading. Not for driving in snow. Not for camping but because I needed to haul things. I had no interest in a minivan because, well, I just thought SUV’s looked cool and minivans were for soccer moms. It was large, uncomfortable, had lots of road noise and dran...
by Woodshark
Thu Dec 17, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: [What happened with HLEIX last week? (JPMorgan Equity Index)]
Replies: 12
Views: 1212

Re: [What happened with HLEIX last week? (JPMorgan Equity Index)]

I was concerned (initially) because of an in process transfer of this fund. My wife held this in her 403b and we had a started a trustee to trustee transfer of her Vanguard IRA. Not knowing the progress, I was alarmed to see a post about this seldom mentioned fund. Today the funds settled and I foun...
by Woodshark
Wed Dec 16, 2015 5:31 pm
Forum: Investing - Theory, News & General
Topic: [What happened with HLEIX last week? (JPMorgan Equity Index)]
Replies: 12
Views: 1212

Re: [What happened with HLEIX last week? (JPMorgan Equity Index)]

What exactly happened last week? My wife holds a chunk of this in her retirement account and I'm curious to what did occur.
by Woodshark
Sat Dec 05, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2070
Views: 557467

Re: What Book Are You Currently Reading? Part VI

I just finished "I am Pilgrim" by Terry Hayes. (A wonderful book with a terrible title.) I highly recommend it. A global spy, terrorist, murder mystery book with well constructed plots and sub plots. First book I have enjoyed for some time. It is by far the best book I have read this year ...
by Woodshark
Fri Nov 27, 2015 9:29 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 3953

Re: Travel backpacks with removable backpack option

We are HUGE fans of the eBags Motherlode backpacks. They check all your boxes and are inexpensive. http://www.ebags.com/product/ebags/mother-lode-tls-weekender-convertible/143101 Another vote for the eBag. It has won awards, gets great reviews and is now my go-to bag for any travel. Plus they are o...
by Woodshark
Mon Nov 02, 2015 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: HOW do you spend your money? (Cash, Debit, Check, Credit?)
Replies: 34
Views: 2613

Re: HOW do you spend your money? (Cash, Debit, Check, Credit?)

I try to keep it simple. We have one checking account and one credit card account. I try to pay for most things using a rewards credit card for any purchase greater that $15-$20. The card gets paid off monthly via a normal hand written check or electronically depending on how I feel that day. Utilit...
by Woodshark
Thu Oct 29, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Guilty pleasures?
Replies: 123
Views: 14555

Re: Guilty pleasures?

A little over a year ago, I started noticing that people I went to school with were dropping dead in the prime of their lives. I stopped feeling guilty for my pleasures, now I swim in them. The first step was to keep my favorite aged rum on hand. :) BFG Agree with Barefootgirl. Personally recommend...
by Woodshark
Tue Oct 20, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: New sofa recommendation : Sofa that lasts long
Replies: 24
Views: 3204

Re: New sofa recommendation : Sofa that lasts long

We bought two Clayton Marcus sofas with 8-way hand tied springs over 25 years ago. They have held up wonderfully with daily use. Recently we moved and the fabric did not match our new interior so we gifted them to our neighbor. I miss them already.
by Woodshark
Wed Sep 30, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Minivan or not?
Replies: 50
Views: 5002

Re: Minivan or not?

We still have a 1998 Plymouth Grand Caravan (Dodge/Chrysler) that we bought new. Not worth much on the used market so we keep it. We call it our truck and cannot imagine being without it. With the seats out, it holds full sheets of 4x8 plywood. Very helpful for us DIY folks. The engine is made by Mi...

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