Search found 301 matches

by Woodshark
Sun Nov 27, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 215
Views: 20612

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: 374

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: 204
Views: 25579

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: 2456

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: 850

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: 3369

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: 2584

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: 5445

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: 32
Views: 2982

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: 3417

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: 742

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: 9041

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: 42771

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: 32
Views: 2982

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: 714

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: 1560

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: 1602

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: 5831

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: 517

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: 3127

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: 890

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: 11409

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: 11669

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: 2079

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: 6602

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: 1083

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: 1762

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: 2381

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: 1171

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: 1171

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: 2006
Views: 516161

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: 3826

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: 2571

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: 14120

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: 3172

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: 4883

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...
by Woodshark
Wed Sep 30, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: Consumer items that are worth the initial investment?
Replies: 110
Views: 15131

Re: Consumer items that are worth the initial investment?

For years I have enjoyed a daily cup of cappuccino from our Saeco Aroma espresso machine. Made with freshly ground beans from a Maestro Classic burr grinder. A winning combination that will not break the bank. Also, my Rockport "Dressport" black dress shoes that I have owned since around 1...
by Woodshark
Fri Sep 25, 2015 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Ever paid for home inspection as the seller?
Replies: 42
Views: 3110

Re: Ever paid for home inspection as the seller?

We sold our house about two months ago. I had the same idea, go ahead and pay for a home inspection, but my realtor told me not to. She said that the buyer would not trust my inspector and would hire their own anyway. In hindsight, I think this was wrong. I'm fairly sure that they would have accept...
by Woodshark
Fri Sep 25, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Owner-carried home loan
Replies: 6
Views: 589

Re: Owner-carried home loan

I personally would not rule it out. Do you need 100% of the sale now or is 30% now ok? What would you do with the remaining 70% if you got it now? What interest rate are they willing to pay? If you can charge an interest rate that pays much better than sticking it in a money market or CD, then you c...
by Woodshark
Thu Sep 24, 2015 5:37 pm
Forum: Personal Consumer Issues
Topic: DIY Alarm System for Home
Replies: 22
Views: 2428

Re: DIY Alarm System for Home

A few years ago we built our retirement home and DIY installed a wired system from http://www.homesecuritystore.com/. At the time they were very helpful and we are very happy with it overall.
by Woodshark
Thu Sep 24, 2015 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ever paid for home inspection as the seller?
Replies: 42
Views: 3110

Re: Ever paid for home inspection as the seller?

We sold our house about two months ago. I had the same idea, go ahead and pay for a home inspection, but my realtor told me not to. She said that the buyer would not trust my inspector and would hire their own anyway. In hindsight, I think this was wrong. I'm fairly sure that they would have accepte...
by Woodshark
Tue Sep 08, 2015 8:20 pm
Forum: Personal Consumer Issues
Topic: Best Small Purchases (Around the house)
Replies: 133
Views: 16130

Re: Best Small Purchases (Around the house)

I love my wonder winder. It is a wall mounted extension cord storage and winding device. They run around $20 and make life so much easier for those of us who are deploying a power cord to run this tool or that trimmer. Been using this in my garage for 3 years now, works as advertised. Wraps up my 10...
by Woodshark
Wed Aug 26, 2015 5:07 pm
Forum: Personal Consumer Issues
Topic: Time to upgrade my HVAC?
Replies: 22
Views: 2809

Re: Time to upgrade my HVAC?

With the age and seer rating it's time to replace it. It's just a matter of time before it dies on you. By replacing it now, you can do some research, get a few quotes and replace it on your schedule. Otherwise you wait till it dies and you have to make snap decisions that may not be the best in the...
by Woodshark
Wed Aug 26, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 38729

Re: The Bogleheads' Silent Majority

Another silent majority semi-lurker here also. I’ve been following this forum for over two years. We just retired a couple of months ago (mid 50’s) with a 60/40 portfolio for our long term investments. Not really worried about the recent market dip because we have a nice chuck of cash from the sale ...
by Woodshark
Wed Jul 15, 2015 2:34 am
Forum: Personal Finance (Not Investing)
Topic: Is there something like a "Bogleheads Guide to Insurance"?
Replies: 7
Views: 1503

Re: Is there something like a "Bogleheads Guide to Insurance"?

I liked the information on insurance in Making the Most of Your Money Now
by Jane Bryant Quinn.
by Woodshark
Thu Jun 25, 2015 6:58 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3855

Re: 10 year old car

Well, $500 is not a lot if you plan on keeping it another year or more. That’s about two standard car payments. You could have it painted. Just remember, it won’t be a perfect paint job, just better. Another thought is to see if you can find a hood in a junkyard that is the same factory color, but i...
by Woodshark
Sun Jun 14, 2015 7:39 pm
Forum: Personal Consumer Issues
Topic: Plumber question
Replies: 28
Views: 4084

Re: Plumber question

CPVC (plastic) is standard where we live and passes all codes. IF there is a pressure problem, it's just hot water. Maybe very hot water but copper is not required.
by Woodshark
Mon May 25, 2015 7:41 pm
Forum: Personal Consumer Issues
Topic: Do-it-yourself handy person: How did you learn?
Replies: 41
Views: 5702

Re: Do-it-yourself handy person: How did you learn?

I learned because of two reasons. 1. I grew up poor. As in government housing poor. If I wanted something fixed I had to learn how to do it myself. 2. I always liked working on things, figuring out what made them work. Instead of asking for toys I asked for tools. Back then there was no youtube or i...
by Woodshark
Wed May 20, 2015 5:33 pm
Forum: Personal Consumer Issues
Topic: Building a guest house
Replies: 20
Views: 2442

Re: Building a guest house

You have to ask yourself the following.... 1. Do you want to be a landlord with all that it might include? 2. Do you need the rental income? 3. Do you have the 40K in excess funds? 4. What happens if he fails to complete the unit or rents for a few months then moves away? Not likely but alway a poss...
by Woodshark
Wed May 20, 2015 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Ways to fund an early retirement?
Replies: 40
Views: 3149

Re: Ways to fund an early retirement?

Some people are eligible for pensions after 25-30 years of service. (Teachers, police etc) If you start early enough you can retire the first year you qualify and draw a pension in your early 50’s. If you also funded a 457 account and are retired then you have access to it, penalty free. That is our...

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