Search found 386 matches

by Woodshark
Tue May 08, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3159

Re: Do I need to unfreeze my credit before applying for a new card?

Most of the time the credit card company will tell you the single credit reporting agency you are required to unfreeze. Last month I applied for a new CapitolOne card. They required that I unfreeze all three. I argued with them about having to go to all the trouble, as I have my credit score is arou...
by Woodshark
Mon Apr 23, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 1980

Re: Traveling to italy.........

Get out to travel as early in the day as possible and be prepared for overwhelming hordes of tourists in and around both Rome and Cinque Terre. This. We loved sleepy Cinque Terre on our honeymoon in 1990. We liked it in 1994 when we went back. In 2016 we returned again as part of our first major tr...
by Woodshark
Wed Apr 18, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3093

Re: Do you use Yahoo? New Privacy Terms

I've gotten the the alert also. Seems the new company wants carte blanch to use information in our email,etc., and an agreement not to sue them.
by Woodshark
Mon Apr 16, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 4193

Re: Costco Screenings

Since you found it, I have no doubt that it exists but I have never seen or heard of this membership benefit before.
by Woodshark
Mon Apr 16, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4220

Re: Is it necessary to replace brake fluid on a car every 3 years?

Over the course of time, I did notice that it was getting harder and harder to stop but, it being a lightly and seldom used vechicle, I ignored it. ...I was shocked to see that the old brake fluid was the color of Coca-Cola . One hour and a large bottle of new fluid. Problem solved. Could you see t...
by Woodshark
Sun Apr 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 4220

Re: Is it necessary to replace brake fluid on a car every 3 years?

Yes, old fluid can make your brakes fail to operate correctly. Voice of experience here. I'm slightly ashamed to admit this but I had a minivan for over 10 years and that I never changed the brake fluid. I do most of our car maintenance but I honestly had never heard of needing to replace brake fuil...
by Woodshark
Wed Apr 11, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1616

Re: Mini Air Compressor

If you are only using it occasionally to blow off leaves or inflate things then almost any compressor will work OK. I would second the recommendation for a simple pancake compressor. I had one made my Porter-Cable and it served me well for years. You can still buy them or simular models at Home Depo...
by Woodshark
Wed Apr 11, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38086

Re: Name something you bought that wasn't cheap and glad you did

A Sawstop table saw. I have twenty digits and I'm very attached to them. I'm retired, I've been around and seen a lot of stuff go down, and that's what the money's for. I agree. Buying one next week to get the free mobile base. I've still got all my digits but I'm buying it as (I think) my last tab...
by Woodshark
Tue Apr 10, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38086

Re: Name something you bought that wasn't cheap and glad you did

Today the birds are singing, the water is clear and the sky is blue. Lakehouse for sure. Retired here three years ago. Sunk another 100K into it since then and don't regret a single penny.
by Woodshark
Mon Apr 09, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2966

Re: Health club memberships

I agree. My wife tried to get the one time $100 per year just few weeks later. It was no longer being offered, but they did offer the $10 per month option. It also required the $40 annual service fee, so she passed. That $40 annual service fee seems a little sneaky to me also. Been using Planet Fitn...
by Woodshark
Sun Apr 08, 2018 6:08 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 2036

Re: Are my posts missing or being deleted?

Thank you LadyGeek. Good hints to know.
by Woodshark
Sun Apr 08, 2018 2:56 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 2036

Re: Are my posts missing or being deleted?

Thank you for the responses. I was thinking that I'd seen my posts correctly placed into the thread but fail to be there later. As most of my web viewing is done in the evening, it is possible that I'm missing any 2nd Submit screen. If this has happened to you, then you know the mild frustration of ...
by Woodshark
Sun Apr 08, 2018 9:26 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 14
Views: 2036

Are my posts missing or being deleted?

I'm writing to voice my concern that I'm noticing with some regularity that my responses in posts/topics are disappearing. I always try to be brief, courteous and remain of topic so it is with some confusion to find my posts are possibly being screened and removed. If I am being censored, would some...
by Woodshark
Wed Apr 04, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 2966

Re: Health club memberships

Been using Planet Fitness for several months now. Got the cheapest possible. $10/month with one club, no contract + small annual fee. Close to the house. Planet fitness here also. Got in on a end of the year sale. $100 for 12 months. One location only but that's OK with me since I don't work out wh...
by Woodshark
Mon Apr 02, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 2018

Re: Replacing a deck

Without seeing it, it sounds like a footing problem. Should be relatively easy to get someone to jack up the deck and fix the footings. It's going to have to be corrected at some point and I would think this would be much cheaper than building a whole new deck.
by Woodshark
Sun Mar 18, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 2648

Re: Soft boxer shorts for men

Hanes from Walmart...a BIG no on comfort. I bought about 8 pair around 18 months ago. They were a size larger than I normally wear, hoping for comfort, but the elastic waistband was still way, way too tight. I mean, if I wore them for over 4 hours, I could read "HANES"-----HANES------HANES.... impri...
by Woodshark
Fri Mar 16, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 39
Views: 2873

Re: What is your favorite reasonably priced Rum?

My hands down favorite sipping rum that you can buy in the states is Zaya. It runs about $30-$40 a bottle. Everyone has their own idea of reasonably priced so I'll also add Pyrat rum. It's a smooth rum with a nice nose. Less than $25 a bottle. I sampled some Flor de Caña dark rum (not sure of the ag...
by Woodshark
Thu Mar 15, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 14519

Re: Large life style creep that was completely worth it

Our LSC was a lake lot. Purchased about 13 years ago. We looked for a good deal on a great lot for about a year and finally found it. Our plan was to sit on it and wait till we retired to build. That lasted two months. We convinced ourselves to go ahead a build a weekend place and enjoy it now, and ...
by Woodshark
Sat Feb 10, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 22
Views: 1857

Re: Anybody hit their rebalance bands?

Mine were getting close and I was about to rebalance but the market did it for me.
by Woodshark
Tue Feb 06, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 169
Views: 16854

Re: Torn between Vanguard, Fidelity and Schwab

In the past few decades I've had accounts with Schwab, Fidelity, T. Rowe Price and Vanguard. All have been OK but over the years we've consolidated down. Most of our assets are now with Vanguard as they were the clear winner about 12 years ago when we made some major changes. I thought they were gre...
by Woodshark
Fri Feb 02, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 610
Views: 69512

Re: Netflix, Your Current Favorite Show

We binge watched "The Crown" and loved it. Wish there were more. We trying watching Ozarks (actually filmed just north of Atlanta) but found we just didn't care for any of the characters.
by Woodshark
Wed Jan 24, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6515

Re: Your bond allocation when you were 48

At 48, I was still in the the dark about asset allocation. I was all in stocks.
"Bonds, who uses bonds?"

The US bear market of 2007–2009 taught me a lesson. Now I'm older and a tad bit wiser.(I hope)
by Woodshark
Sun Dec 24, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 1903

Re: Photos dark because of sunlight..what free software to enhane

If it's only a couple of prints, I recommend having them professionally scanned, or find a friend with a good flat bed scanner. Most of the decent to good scanners have adjustment software built in that will allow you to make corrections to set levels and bring back some of the details. When all els...
by Woodshark
Sat Dec 23, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4599

Re: The extended bull market

sambb wrote:
Sat Dec 23, 2017 8:20 am
im considering taking some profits off the table and rebalancing to a lower stock allocation by ~5%-10%
Since we have reached and exceeded or number, I am considering doing the same.
by Woodshark
Sat Dec 23, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: "The Most Important Investment Decision You'll Ever Make"
Replies: 16
Views: 3971

Re: "The Most Important Investment Decision You'll Ever Make"

NYCguy wrote:
Sat Dec 23, 2017 5:11 pm
Your spouse.
This is the first thing I thought when I read the subject line.
by Woodshark
Tue Dec 05, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 7273

Re: Dad Needs Help Buying Wedding Liquor

For vodka, "Grey Goose" is a known quality brand but I would recommend "Tito's" as it costs less, rates better in taste tests, is widely available, has a craft liquor vibe and is made in/near Austin TX. With rum, most people will be enjoying this spirt in some sort of mixed drink. I would recommend ...
by Woodshark
Thu Nov 30, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 31763

Re: Anyone tired of the stock market going up?

Over my investing lifetime, I can expect that sometimes the market will be going up and sometimes it will be going down. Sometimes it will do this sharply over days or weeks, sometimes it will happen gradually over months or years. Sometimes it will be bonds doing much better, sometimes domestic eq...
by Woodshark
Mon Nov 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 13
Views: 3297

Re: Costco kitchen Cabinets and design service....

You have more options for cabinets than just the big box stores. There are specialty online cabinet suppliers that offer very nice pre-finished cabinets in stock sizes. Many offer design services also, often free. We recently finished our basement and installed a bar/kitchen area as part of the proc...
by Woodshark
Sun Nov 19, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 3085

Re: Are expensive tires worth it?

I don't know if expensive tires are worth it but I can attest that cheap tires are not. We have an old minivan that we use very occasionally to haul things like furniture or bagged mulch from Home Depot. We might put 2500 miles a year on it so the last time it needed tires I went with cheaper tires ...
by Woodshark
Fri Nov 17, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 1125

Re: Under the sink water filter

Our city's water is "safe" but does not taste great. After several years of using a Brita pitcher for drinking water, I spent around $120 for a CuZn UC-200 Under Counter Water Filter. It should last 5 years. So easy to install and nothing to service. Just replace around the 5 year mark. Years ago we...
by Woodshark
Sat Nov 11, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: A penny saved is NOT a penny earned ..
Replies: 16
Views: 2563

Re: A penny saved is NOT a penny earned ..

White Coat Investor wrote:
Sat Nov 11, 2017 4:34 pm
That very point was made quite well years ago by Andrew Tobias in his best-selling The Only Investment Guide You'll Ever Need.
Over 20 years later I remember that book and that point very well.
by Woodshark
Thu Nov 02, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 2996

Re: New 2 comma member

This is a nice milestone. It may not last out the year or it may be the first of many. Doesn't matter. Enjoy the moment. Life is all about goals and experiences so share a nice bottle of bubbly with someone special. Also, congratulations on reaching the two comma club!
by Woodshark
Tue Oct 31, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Lets take about the adjustment
Replies: 13
Views: 1830

Re: Lets take about the adjustment

Granted no one can predict, but it seems like afterward all the signs were there and it was fairly obvious. Whether its a bubble somewhere or something else, what indicators are you watching for the next adjustment? Is there even anything on the horizon? It's funny you should ask as I was thinking ...
by Woodshark
Sun Oct 29, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 17845

Re: What was the main reason you retired?

1 and 9 primarily. For everything there is a season. Earning is a means to an end. Do not make it the end. Same here. Had a job that I liked (worked for myself) but we had saved for decades and it was time for something new. Or as I like to call it Life 2.0 It's been two years and I don't miss work...
by Woodshark
Tue Oct 24, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5440

Re: What service do you pay for that you could easily do yourself?

painting... With the internet and youtube, there are so many projects that can be done by the homeowner. The problem is knowing just enough to think you can do something...but realize about half way through you had no business trying to do it yourself. Too funny! But too true... After watching some...
by Woodshark
Tue Oct 17, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11677

Re: how long did it take to get used to retirement

I would add that one major hurdle for me has been getting used to living as an investor. We've been savers our whole lives and have more than enough to live on but I found there was still an adjustment needed. Before, we always had paychecks coming in and really didn't worry about how much we spent...
by Woodshark
Tue Oct 17, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 18586

Re: How does everyone keep track of your portfolio?

Since the majority of my $$ is with Vanguard I use their site. The have a nice feature where you can include outside investments in your account that are not under the Vanguard umbrella. It's simple and works well. Every so often I have to manually update the outside investments but it's not a big d...
by Woodshark
Tue Oct 17, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5941

Re: The overselling of international diversification

I've read and followed with great interest the overriding question of how much to invest (from a USA prospective) in international. 0 to 10 percent sayeth Bogle and Buffett. "No, no, the US has peaked so 50 percent is the safest bet" says the maximum diversity folks. In an annual conversation with V...
by Woodshark
Fri Oct 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1006263

Re: What Movie Have You Recently Watched?

abuss368 wrote:
Thu Oct 05, 2017 9:07 pm
We recently started "The West Wing" on Netflix. The pilot episode was very good.
What a great show. Great characters with crisp, rapid fire dialog. You are in for season seasons of great viewing.
by Woodshark
Fri Oct 13, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1006263

Re: What Movie Have You Recently Watched?

Death in Paradise , available on Netflix. This is a BBC television series of 40 one-hour episodes, murder mysteries set in the British Virgin Islands and solved by a group of four police officers. We are about halfway through the series. This series is addictive, very good. We really enjoyed the fi...
by Woodshark
Tue Oct 03, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4657

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Woodshark, Would you mind explaining something? You seem to be oblivious to several poster's mentioning that for certain income ranges the 15% & 25% marginal tax rate on other-than-SS-income can effectively almost double once you are receiving Social Security. Is this just because you and wife will...
by Woodshark
Sun Oct 01, 2017 8:52 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4657

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Once again thank you for the thoughtful responses. As others have mentioned, I don’t think there is a clear cut answer as everyone’s situation is different. Take the free tax harvest gain now or go ahead and take the 15% tax hit so as to not pay an unknown tax on it in the future. There certainly is...
by Woodshark
Sat Sep 30, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 7121

Re: Is it a waste of money having your furnace checked every year?

I think it is highly dependent on the type of heat you have, your willingness handle some checks and maintenance yourself and mostly where you live. We live in the Southeast so we depend on AC much more than we do heat. Our last house had gas heat and it worked flawlessly for over 24 years with almo...
by Woodshark
Sat Sep 30, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4657

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Like retiredjg, I consider conversion to the top of the 15% bracket a no brainer for most early retirees. Part of the reason is Doc's point, once you start receiving SS Benefits marginal tax rates can increase significantly. Tax gain harvesting, as you have been doing, is another smart move for tho...
by Woodshark
Sat Sep 30, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4657

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

I know Roth conversions and conversion ladders are can be a good idea if you are a high income earner and expect to be in a lower tax bracket upon retirement. You may have misunderstood. It is only a good idea for high income earners who convert AFTER they retire and are in a lower tax bracket. Tha...
by Woodshark
Sat Sep 30, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 4657

Is a Roth conversion a good idea if you are in the 15% tax bracket?

I know Roth conversions and conversion ladders are can be a good idea if you are a high income earner and expect to be in a lower tax bracket upon retirement. I just don’t know about those firmly in the 15% tax bracket and who are already in early retirement. It’s a question I’ve been trying to find...
by Woodshark
Mon Sep 18, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: What is a decent financial book that everyone should buy?
Replies: 20
Views: 2014

Re: What is a decent financial book that everyone should buy?

Jane Bryant Quinn's, Making the Most of Your Money Now is the one book I keep on hand and give as a gift. It's a large book but broken into easy to read chapters for each subject. Her writing style is inviting and personal which makes reading it not only informative but a pleasure.
by Woodshark
Mon Sep 18, 2017 5:09 pm
Forum: Personal Consumer Issues
Topic: Refinishing a Basement - Contractor - Contracts
Replies: 15
Views: 1010

Re: Refinishing a Basement - Contractor - Contracts

If this is "the" flooring that you are going to use then go ahead and buy it. It does not matter if it's this guy or another contractor you eventually hire, this is the stuff going down. If you have to go with another contractor just specify in the contract that the flooring will be provided by you....
by Woodshark
Wed Aug 16, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 8894

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: 3155

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...