Search found 396 matches

by Youngblood
Thu Jul 20, 2017 4:55 am
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 106
Views: 3886

Re: Would you let your teenager spend all his savings on a gaming computer?

Probably all relative. I recently read a news blurb that young men are choosing to stay out of the work force in order to play computer games.

YB
by Youngblood
Tue Jul 18, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 112
Views: 7204

Re: Books not to read.

The Millionaire Next Door by Stanley and Danko. Victoria Interesting, I remember reading this book a very long time ago. When I just looked up the publishing date it was 1996. Hmmm, I actually remember this book as consisting of interesting research. The fact that I remember it at all, makes it som...
by Youngblood
Mon Jul 17, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2776
Views: 799274

Re: What Movie Have You Recently Watched?

I started to watch a preview of "A man Called Ove", and accidentally hit the rent button. It was ok, I got used to the subtitles quickly. They were large and clear. The move was somewhat enjoyable, but I would not rent it again, nor say it was a great movie. It was informative on how othe...
by Youngblood
Fri Jul 14, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 71
Views: 7691

Re: Amazon prime day

What are you buying? I might get a Fire tablet. $30 doesn't seem like a bad deal, especially compared to an iPad. While I am not an Apple fan, a $30 Kindle Fire is not anywhere near equivalent to an iPad. You are comparing apples and ... That's what I thought until I purchased an HD 8" Fire ta...
by Youngblood
Fri Jul 14, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Questions about security camera systems
Replies: 15
Views: 1296

Re: Questions about security camera systems

I am interested in following this thread for our condo and parking area.

One totally climate controlled and the other just under a covered carport.

YB
by Youngblood
Mon Jul 10, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: A question about GENTLE excercise.............
Replies: 22
Views: 2450

Re: A question about GENTLE excercise.............

Age 69 here. I took three and a half years of yoga classes (not gentle but not hot yoga). I enjoyed it very much but noticed that as students would leave and join a lot of new students would not be able to do many of the poses and even though the instructor helped and encouraged them to modify most ...
by Youngblood
Wed May 24, 2017 9:38 am
Forum: Personal Finance (Not Investing)
Topic: i am my own "guy," but not sure I should advertise that
Replies: 107
Views: 13896

Re: i am my own "guy," but not sure I should advertise that

[...]He said he just tosses the money into the account to avoid eating dog food in the feature. (Why is pet food always offered up as an example of poverty in old age?) If I was poor in old age, I'd eat beans before reaching for the Alpo :oops: :sharebeer It's doubly ironic given that folks who eat...
by Youngblood
Mon May 22, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Net worth is overrated
Replies: 76
Views: 9523

Re: Net worth is overrated

I think it is of value in determining many things in regards to spending, retirement and financial independence.
Not in isolation but, very important.
by Youngblood
Sun May 21, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone else track the value of their investments by discounting the value of equities?
Replies: 64
Views: 4077

Re: Anyone else track the value of their investments by discounting the value of equities?

Emotions cause humans to make all sorts of mistakes regardless of all cerebral cortex activity. Fear and greed can affect most of us given the right conditions. I do mentally subtract 50% of the equity portion of my net worth just to attempt to determine how I would cope and feel about that amount o...
by Youngblood
Tue May 16, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Money market funds or other low risk funds - please help
Replies: 12
Views: 601

Re: Money market funds or other low risk funds - please help

Fidelity has good CD ladders you can purchase or simply choose any individual CD which are FDIC insured.
by Youngblood
Tue May 16, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Was there a $$$ number after which things got easier?
Replies: 72
Views: 9912

Re: Was there a $$$ number after which things got easier?

For me it was when I made more money investing than I did teaching school.

YB
by Youngblood
Tue May 16, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1565

Re: Quality decline in off-brand alkaline batteries?

I have had several Kirkland batteries leak too. I suspect that part of the issue is that the chemistry was changed five or so years ago to stop using any mercury in them. According to this web site; Manufacturers around the world use mercury in batteries to prevent the buildup of internal gases tha...
by Youngblood
Tue May 16, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1565

Re: Quality decline in off-brand alkaline batteries?

epictetus wrote:with duracell alkaline batteries i notice they corrode in the object they are powering (clock, etc) a lot more than they used to


I have had this happen too. Not yet with Kirkland batteries.
by Youngblood
Tue May 16, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2776
Views: 799274

Re: What Movie Have You Recently Watched?

Kubo and the Two Strings. Really enjoyed it. Great story. Actually thought I was watching a dubbed version of a Japanese film, surprised to learn it's an American original. Kubo and the Two Strings , on Netflix. I agree. It was a good story and fun to watch. My husband picked up early-on this was n...
by Youngblood
Mon May 15, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2776
Views: 799274

Re: What Movie Have You Recently Watched?

Recommend Manchester by the Sea, great, although not a happy movie. I watched it this weekend. I think that the movie was over-hyped and given too many accolades----it isn't difficult to act "sad," and there was no real point to the movie that I could discern. Glad that I didn't pay any m...
by Youngblood
Mon May 15, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2776
Views: 799274

Re: What Movie Have You Recently Watched?

Kubo and the Two Strings. Really enjoyed it. Great story. Actually thought I was watching a dubbed version of a Japanese film, surprised to learn it's an American original. Kubo and the Two Strings , on Netflix. I agree. It was a good story and fun to watch. My husband picked up early-on this was n...
by Youngblood
Mon May 15, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4019

Re: Scolded by my adviser at F******* !

My thinking on this is, the most important thing in your review or anybodys' is to be honest. I have come across this same situation in evaluating the service I received at a car dealership. They later called and asked what they could do for me so that they could get a totally positive review. Heck,...
by Youngblood
Sun May 07, 2017 9:07 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3466

Re: First 100 mile bike ride

Just before the century ride I took I was a runner who could run as long as I wanted to (many weekend runs of 15-20 miles). So, I thought it would be a fairly easy task to ride for a hundred. Purchased a bike, signed up for the century and went on the ride through a very hilly portion of Virginia. T...
by Youngblood
Sun May 07, 2017 8:42 am
Forum: Personal Consumer Issues
Topic: HOA & renting rules
Replies: 27
Views: 2513

Re: HOA & renting rules

They are seeking a 12 month lease, if that seems to make a difference. There is one L shaped huge driveway, so there is off street parking for them. Their concern is getting all settled in, then being forced out due to the homeowner getting caught up in a violation issue. Perhaps your brother and s...
by Youngblood
Thu May 04, 2017 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocation
Replies: 15
Views: 1325

Re: Retirement Allocation

To me, your retirement allocation will allow you to enjoy positive stock market returns and not be devastated during market declines.

Enjoy your retirement.
by Youngblood
Thu May 04, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Favorite Financial Indulgences
Replies: 78
Views: 7919

Re: Favorite Financial Indulgences

My Freedom in regards to time choices and spending.
by Youngblood
Mon May 01, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Truck purchase: buy new vs buy used vs lease analysis
Replies: 23
Views: 2159

Re: Truck purchase: buy new vs buy used vs lease analysis

Purchased a new Ram 2014 and out the door for 22K. The truck is three years old now and not a problem since purchase.

Obviously, I did not purchase a fully loaded Ram. The only thing I wish I had was a rear window that opened. Other than that totally satisfied.

YB
by Youngblood
Mon May 01, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 9374

Re: Dealing with regret

In hindsight, you made a mistake, but a bull market recovery like this one is not guaranteed. Had the market dropped another significant amount after your decision to save the remaining 120k... The only thing that matters now is what you do next. That will matter regardless of where in the cycle of ...
by Youngblood
Thu Apr 20, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39308

Re: Larry Swedroe says "Goodby."

Thanks Larry, I learned a great deal from your posts and books. I also admired your patience when you would continually answer the same questions over and over again. The posters who continually attacked you should leave instead. C'est La Vie. I'm saddened by your departure, but am happy that you'l...
by Youngblood
Wed Apr 12, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3253

Re: Windows-10 "upgrade" coming April 11. What to disable?

cantos wrote:Really? I love Windows 10. Don't understand the panic.



Yeah, me too! Windows 10 creators update installed quickly and without any errors.

OP may be talking about privacy issues. During the install you have the choice to opt out of various privacy settings.

I'm OK with the standard install.

YB
by Youngblood
Sat Apr 08, 2017 5:07 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 5864

Re: "the Truth About Your Future" - Ric Edelman's new book

Years past I have read several of his books and enjoyed them. While working in the Washington D.C. area I attended a couple of his seminars/presentations. They were compelling and useful. They were all free but, of course, ended with an opportunity to have an individual follow-up with one of his re...
by Youngblood
Thu Apr 06, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: Help on how to spend more on myself (First World Whine)
Replies: 93
Views: 6219

Re: Help on how to spend more on myself (First World Whine)

Stop the charitable donations for a while? See how that affects you. It is a little strange that you donate but have trouble spending small amounts on yourself. So try breaking your spending pattern and then rebuilding it. Another possibility: If those $200-$1500 items will soon end up lightly used...
by Youngblood
Thu Apr 06, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 5864

Re: "the Truth About Your Future" - Ric Edelman's new book

Some of the AI future stuff is hype to sell books and news still, there are some real concerns and possibilities hard to ignore. Edelman reversed his opinion on car leasing (said he leased his car now) because exponential technology will make cars rapidly obsolete and buying them is not a good idea...
by Youngblood
Thu Apr 06, 2017 8:12 am
Forum: Investing - Theory, News & General
Topic: "the Truth About Your Future" - Ric Edelman's new book
Replies: 27
Views: 5864

Re: "the Truth About Your Future" - Ric Edelman's new book

Years past I have read several of his books and enjoyed them. While working in the Washington D.C. area I attended a couple of his seminars/presentations. They were compelling and useful. They were all free but, of course, ended with an opportunity to have an individual follow-up with one of his rep...
by Youngblood
Tue Apr 04, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Pontoon boat owners!!
Replies: 15
Views: 1943

Re: Pontoon boat owners!!

I hesitate to even post this request because I've been one to enjoy watching boats going up and down the river instead of owning one. My DW however, really wants to buy a pontoon. We live on the Tennessee river and own a boat slip that is a two minute walk from our condo. That's the good news. The u...
by Youngblood
Sun Apr 02, 2017 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Florida prop taxes + insurance?
Replies: 23
Views: 1683

Re: Florida prop taxes + insurance?

We have these occasional little things called Hurricanes that have a tendency to impact our home insurance rates. Jupiter is close to the coast and may impact the cost. Every state has its way of collecting revenue. We have no income tax while Tennesssee taxes 6% on Interest and Dividends. We also ...
by Youngblood
Thu Mar 30, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: When do you plan to die?
Replies: 165
Views: 12179

Re: When do you plan to die?

Everyone tends to overestimate their longevity. Has anyone been to a nursing home lately. How many males over 95 do you see? My neighborhood is full of aged widows over 85 but zero widowers over that age. I take it a day at a time and try to enjoy life to the fullest. In my case that means hiking a...
by Youngblood
Mon Mar 27, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: bath soap that doesn't leave soap scum?
Replies: 11
Views: 1742

Re: bath soap that doesn't leave soap scum?

Got tired of soap scum about six months ago and switched to body wash. It definitely eliminated the problem both on glass door and shower.

Not as pleasant as using bar soap. Perhaps that's just because of sixty-eight years of using bar soap.
by Youngblood
Sun Mar 26, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Does living at the beach reduce it's appeal?
Replies: 43
Views: 6590

Re: Does living at the beach reduce it's appeal?

Hoping the OP won't mind me generalizing a bit. I don't have any direct experience with living on the beach because except for an occasional visit neither my wife or I enjoyed the beach all that much. Instead, we seem to be attracted to living on lake shoreline. So, when we retired, we managed to pu...
by Youngblood
Sun Mar 26, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 301
Views: 42538

Re: What is your favorite consumer product?

HP desktop computer with 27 inch monitor, SSD and logitech k800 keyboard.
by Youngblood
Sat Mar 25, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 25
Views: 3362

Re: "Designing Your "Glide Path"

Good article. SS as it stands today will pay close to 100% of necessary expenses. Portfolio will give a better lifestyle. So I am at a 50/50 split. And will remain there. I didn't think that it was possible to have a decent lifestyle living only on SS. We both have very good pensions and early SS a...
by Youngblood
Sat Mar 25, 2017 3:43 pm
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 25
Views: 3362

Re: "Designing Your "Glide Path"

I didn't think that it was possible to have a decent lifestyle living only on SS. We both have very good pensions and early SS and that covers all our expenses and desires with money left to invest but, could not possibly live carefree on SS alone. I don't see why not. For those who had maximum tax...
by Youngblood
Sat Mar 25, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: "Designing Your "Glide Path"
Replies: 25
Views: 3362

Re: "Designing Your "Glide Path"

Good article. SS as it stands today will pay close to 100% of necessary expenses. Portfolio will give a better lifestyle. So I am at a 50/50 split. And will remain there. I didn't think that it was possible to have a decent lifestyle living only on SS. We both have very good pensions and early SS a...
by Youngblood
Fri Mar 24, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Pontoon boat owners!!
Replies: 15
Views: 1943

Re: Pontoon boat owners!!

I can't give you any information on a pontoon or any other boat for that matter. But we live on a lake too and DW also thinks we should buy a pontoon. We have a boat slip here and the only thing I have ever had in it was a canoe. Personally, I really have no desire to own a boat but love watching th...
by Youngblood
Thu Mar 23, 2017 3:14 pm
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 218
Views: 20048

Re: gratuitous homeownership items

We don't squeegee the glass door because that's what the maids do. The repeated mentioning of glass shower doors confuses me. We have had glass shower doors in all of our bathrooms for the past 8 years (2 condos and now a house). We have never squeegeed anything. The cleaners clean them when they c...
by Youngblood
Wed Mar 22, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken Problems - Anyone Else?
Replies: 8
Views: 743

Re: Quicken Problems - Anyone Else?

Hi All, Quicken is not downloading any transactions for the past 2 days. (I'm using Quicken Deluxe 2016). I've tried editing the online options via each account, but the first step (where you chose your financial institution from a list) is not showing any financial institutions from which to choos...
by Youngblood
Sun Mar 19, 2017 3:20 pm
Forum: Investing - Theory, News & General
Topic: It's worth remembering that bull markets don't last forever
Replies: 95
Views: 7347

Re: It's worth remembering that bull markets don't last forever

Aftermath All the main stock indexes of the future G7 bottomed out between September and December 1974, having lost at least 34% of their value in nominal terms, and 43% in real terms.[1] In all cases, the recovery was a slow process. Although West Germany's market was the fastest to recover, retur...
by Youngblood
Sat Mar 18, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice
Replies: 10
Views: 897

Re: Portfolio advice

You could do it yourself for no fee, if you have the time and desire to do so. At the rate you are saving and your matching funds, even if the market does not average 10% a year (unknown) you will do very well keeping things just as they are. But, I would consider reducing the number of funds you ho...
by Youngblood
Sat Mar 18, 2017 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax for quarterly tax estimates for 2017
Replies: 21
Views: 1496

Re: Using Turbo Tax for quarterly tax estimates for 2017

Like another poster, Turbotax has always printed up the next year's 1040 es forms for each quarter. The estimate it provides has been very accurate over the years and I have never gotten a penalty for underpayment. Many years ago before TurboTax and other tax software I did not send quarterly estima...
by Youngblood
Sat Mar 18, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 32304

Re: Quicken's future direction - a cause for concern

I'm really enjoying following all the different reasons people like or don't like Quicken. I'm beginning to wonder what I am missing that I don't use in Quicken. Budget? No Cash flow? No Steep learning curve? Thought it was all pretty simple except for when Quicken does things in ways I wouldn't and...
by Youngblood
Thu Mar 16, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 32304

Re: Quicken's future direction - a cause for concern

$45 dollars is the most you can lose if the three year promise doesn't come true. That and your data if you don't also maintain a version of your data in an older Quicken release that doesn't require reauthentication (2016 perhaps?). Right, got that covered with my 2015 version. Will it open a 2017...
by Youngblood
Thu Mar 16, 2017 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 32304

Re: Quicken's future direction - a cause for concern

BrandonBogle wrote:
Youngblood wrote:$45 dollars is the most you can lose if the three year promise doesn't come true.


That and your data if you don't also maintain a version of your data in an older Quicken release that doesn't require reauthentication (2016 perhaps?).


Right, got that covered with my 2015 version.
by Youngblood
Thu Mar 16, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 32304

Re: Quicken's future direction - a cause for concern

Quicken Deluxe 2017 is now on sale through the 21st. https://www.quicken.com/pulse4lp/ppc/40off/Deluxe?priorityCode=1337900000&utm_medium=cpc&cid=ppc_msn_b_stan_402-5344665-5467940-%7Bcreative%7D&utm_source=bing&utm_campaign=CUS__Brand%20Quicken%20Exact%20-%20New&utm_term=quicken...
by Youngblood
Thu Mar 16, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 307
Views: 32304

Re: Quicken's future direction - a cause for concern

So many negatory comments in regards to the future of Quicken. Though many do sound plausible, I'm personally not ready to dump a program that has until at least April 2020 (at no extra expense) and that I really enjoy using. Why do I like Quicken? Daily check of all savings, checking, investment a...
by Youngblood
Wed Mar 15, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: What to do with $100???
Replies: 78
Views: 5968

Re: What to do with $100???

I do believe OP wants to have some fun with the hundred. Maybe not penny stocks but I've had lots of fun trading low priced stocks over the years (5-10 range) over and over again. With only $100 the trading costs will prevent you enjoying weekly or bi-weekly fun trades. Slot machines? Blackjack? Alw...

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