Search found 351 matches

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: 77
Views: 4952

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: 104
Views: 5382

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: 45
Views: 3465

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: 3015
Views: 881900

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: 3015
Views: 881900

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: 3723

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: 3723

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: 5991

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: 3723

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: 3723

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: 3723

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: 1662

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: 814

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: 7372

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: 2449

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: 2449

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: 954

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: 9089

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: 3129

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: 1788

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: 12077

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: 4725

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 for brunches and de...
by Woodshark
Mon Jun 12, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5439

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: 738

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: 1190

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: 1320

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: 3804

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: 1560

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: 20443

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: 4358

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: 2871

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: 1551

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: 2257

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: 6145

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: 1580

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: 6145

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: 6145

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: 6145

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: 6145

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: 6145

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: 6145

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: 4020

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: 6324

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: 2545

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: 2545

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: 2530

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: 1880

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: 2244

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: 510

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: 2000

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...