Search found 338 matches

by Woodshark
Wed Aug 16, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 65
Views: 4303

Re: How useful is a home security system?

I've had security systems installed and hard wired in the walls during construction in each of the last two homes we've built. They are not generally turned on during the day but they give me much peace of mind every evening when I activate them as I go to bed. In other words, I rest much better kno...
by Woodshark
Mon Aug 07, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2203

Re: Buying a new TV. What do I need to know now?

Thank you all for your very informative and detailed responses. The room it is in has a lot of large windows so it will be very light in there when viewing during the day so this is something I had not considered. From all the replies my starting point will be a 60 inch (it's a large room) flat scre...
by Woodshark
Sun Aug 06, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Buying a new TV. What do I need to know now?
Replies: 29
Views: 2203

Buying a new TV. What do I need to know now?

After completing a recent but lengthy home renovation, we are now in the market for a 60” flat screen to enjoy in our new space. I haven’t bought a TV in years. (Back then there was a big debate of plasma vs LED but now I couldn’t even tell you what we ended up with.) So before we begin shopping, wh...
by Woodshark
Sat Aug 05, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: Where to watch Eclipse in South Carolina?
Replies: 7
Views: 860

Re: Where to watch Eclipse in South Carolina?

I live in the Clemson area of SC. It will pass right over us. Not to state the obvious but as long as you are in the path, the eclipse covers then entire sky. That means any open place to park is fine for viewing. Here in the upstate area it will happen around 2:30pm. Beside the cities, there is a L...
by Woodshark
Sat Jul 29, 2017 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8706

Re: How to calcuate your retirement number

The general rule is 25 times your annual expenses in investments 60/40 (stock/bonds) at your full retirement age should last last you 30 years, 95% of the time. If you have a pension, social security or plan on retiring earlier then you can adjust the figures up or down depending on your situation.
by Woodshark
Mon Jul 17, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Anyone have a second home in The NC mountains?
Replies: 25
Views: 2980

Re: Anyone have a second home in The NC mountains?

We own a place on lake Keowee near Clemson SC. Beautiful area with lots of great hiking close by. It has a large retirement population here as the price of lake property and the cost of living is very reasonable compared to larger metro areas.
by Woodshark
Thu Jul 13, 2017 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is booking travel via Chase Travel Portal cheaper?
Replies: 15
Views: 1636

Re: Is booking travel via Chase Travel Portal cheaper?

For instance I've been searching for award travel to the Caribbean for the first part of next year and Delta is 45k points plus $120 or something in fees. Using chase the points are 45k and no fees. Some Caribbean destinations have departure taxes. (Belize comes to mind) Sometimes these are include...
by Woodshark
Mon Jul 10, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11315

Re: What do you splurge on?

Semi-budget travel and craft beer are my two ongoing favorite splurges. For one time expenditures I have to say professional grade cookware and Henkel kitchen knifes. When we got married we splurged on the best we could afford. We've been married 27 years and they are still a joy to use.
by Woodshark
Wed Jun 14, 2017 8:57 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 4227

Re: Best Cheap Champagne

In answering the OP's original question, we have found that "Cooks" champagne (sparkling wine) is by far the "Best Cheap Champagne" we can find. We can appreciate a good french champagne but there are situations where quantity overcomes quality and this fits the bill quite nicely...
by Woodshark
Mon Jun 12, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 4947

Re: Dehumidifier woes

I'm fairly sure that Aprilaire is humidifer, not a de-humidifer.
by Woodshark
Mon Jun 12, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Your fav espionage/thriller books for summer
Replies: 4
Views: 680

Re: Your fav espionage/thriller books for summer

I am Pilgrim by Terry Hayes. Not a new release but a great thriller. Read the 6,500 mostly positive reviews on Amazon and decide if it's worth considering.
by Woodshark
Mon Jun 12, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: replace deck, veranda from home depot?
Replies: 6
Views: 1108

Re: replace deck, veranda from home depot?

We have built a deck and an exterior staircase using Veranda decking from HD. It looks so good, I will never go back to pressure treated lumber again. However, in the summer sun, it does get HOT. Not kidding, on bare feet it is much hotter than a traditional wood deck. If it's in full sun you have t...
by Woodshark
Fri May 19, 2017 7:24 am
Forum: Personal Consumer Issues
Topic: Insect repellent
Replies: 14
Views: 1222

Re: Insect repellent

Sawyer Picaridin is my vote. Top rated, no smell, lasts eight hours, and doesn't melt plastic like DEET.

We just came back from ten days in Belize and I used it daily. Worked great. You can buy smaller TSA approved bottles of it at Amazon for carry-on luggage.
by Woodshark
Tue May 02, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3572

Re: Great knife for slicing limes and raw potatoes

I use a chef's knife to cut potatoes and a paring knife to cut limes/lemons. I sharpen them regularly. Here are my daily use knives: Chef's knife: m Paring knife: m I'll second the Victorinox paring knife. I've used them for years. I think they were recommended by America's Test Kitchen at one poin...
by Woodshark
Fri Mar 31, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Radon mitigation credit at closing
Replies: 16
Views: 1449

Re: Radon mitigation credit at closing

We just had a similar radon mitigation system put in. It went from a unfinished basement with poured slab and walls, up through the upper floor via the garage, into the attic and out the roof. Total cost was $1,200 so I think you're OK. Enjoy your new home.
by Woodshark
Fri Mar 10, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 19261

Re: Sitting on cash....Waiting for a crash

To the OP, I'm not in the exact same situation but I do understand the hesitation. We sold our primary home over a year ago, retired, and moved into our vacation home. The proceeds from the sale amounted to about a 20% (potential) bump to our investable assets. However, we knew that we wanted to do ...
by Woodshark
Sun Mar 05, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Where do you order checks from?
Replies: 57
Views: 4144

Re: Where do you order checks from?

samsoes wrote:I've used http://www.walmartchecks.com - fraction of the price charged by the bank.


Same here. Prompt and cheap compared to the others.
by Woodshark
Sun Feb 26, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: critique Italian itinerary
Replies: 34
Views: 2746

Re: critique Italian itinerary

I would agree on skipping Cinque Terre. It has been so popular that, like Key West, it really has been loved to death. It has lost it's quiet charm and is now filled with t-shirt shops serving throngs of tourists from cruise ships. We spent a few nights there on our honeymoon back in 1990 and have r...
by Woodshark
Sat Feb 04, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking comfortable car seat
Replies: 19
Views: 1463

Re: Seeking comfortable car seat

I really enjoy driving my wife's Honda Accord but only around town. Anything more than an hour and it gives me a backache. I did find that if I raise the seat as high as I could tolerate while driving, it was easier on my back. Not great, just better. What is funny is the most comfortable vehicle se...
by Woodshark
Fri Feb 03, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Stress & The Mind/ Brain & Sleep & Behavior Modfication
Replies: 19
Views: 2160

Re: Stress & The Mind/ Brain & Sleep & Behavior Modfication

Every night I nod off to sleep within 15 minutes. BUT, I wake up three or four hours later. Generally around 3:00am. I'm wide awake then and sleep is impossible. I can lay there for hours and not go back to sleep. Somewhere around 6:00ish I nod off and get 15-30 minutes of deep restful sleep then I'...
by Woodshark
Fri Feb 03, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5984

Re: Biting the bullet and getting off the roof.

Thank you all for your replies. After a lot of research, consideration and bids from contractors/companies I decided to go with Leaf-Guard. With some bargaining, they came up with the best price, had the most honest salesman, and I think had the best system for us. I will cry when I write the check ...
by Woodshark
Tue Jan 24, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Naked Wines
Replies: 9
Views: 1534

Re: Naked Wines

The ones I've seen in the States (Naked Wine) touts that the wine has been aged without oak or wood. I have tried the chardonnay and was not real impressed. It seems they were pushing the lack of the extra step (barrel aged) as a positive.
by Woodshark
Tue Jan 24, 2017 6:17 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5984

Re: Biting the bullet and getting off the roof.

So far I've went to a home show at the local convention center. There were many gutter guard systems on the showroom floor. I've ruled out the micro-mesh SS screen covers because pine pollen (it's like yellow snow in the spring) clogs them up so easily. The following week we've gotten quotes from Le...
by Woodshark
Tue Jan 17, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Biting the bullet and getting off the roof.
Replies: 41
Views: 5984

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: 41
Views: 5984

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: 41
Views: 5984

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: 41
Views: 5984

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: 41
Views: 5984

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: 3942

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: 6106

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: 2418

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: 2418

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: 2417

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: 1822

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: 2113

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: 498

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: 1954

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: 301
Views: 43178

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: 573

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: 331
Views: 60383

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: 2798

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: 1556

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: 5149

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: 79
Views: 6841

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: 5879

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: 4606

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: 4207

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: 999

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: 10699

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: 48452

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

What a tough rich crowd here 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 parts ...