Search found 364 matches

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: 831

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: 33
Views: 4157

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: 290
Views: 36262

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: 2873

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: 2873

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: 2873

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: 12
Views: 1130

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: 16757

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: 590

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: 6549

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: 730

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: 1110

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: 258
Views: 21064

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: 258
Views: 21064

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: 258
Views: 21064

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: 258
Views: 21064

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: 258
Views: 21064

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: 4919

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...
by Youngblood
Wed Mar 15, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21064

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 an...
by Youngblood
Tue Mar 14, 2017 11:44 am
Forum: Personal Consumer Issues
Topic: Laminate flooring that looks like hardwood
Replies: 25
Views: 1407

Re: Laminate flooring that looks like hardwood

I don't like the sound of a floating floor. Sounds like you're loading a horse up a ramp. I've seen hardwood (beech and Brazilian cherry) survive a flood condition. If that laminate gets wet, it swells and never regains the original shape. The dog peed on our Pergo and the fuzzy places the emerged ...
by Youngblood
Fri Mar 10, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654917

Re: What Movie Have You Recently Watched?

Temple Grandin A great story about an amazing lady. It gave me a lot of insight into Autism and what patients and families deal with. Saw this a couple of years ago and thought it was excellent and insightful too. As a special education teacher I have worked with several autistic kids in the Stone ...
by Youngblood
Fri Mar 10, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

As a pre-retiree who is evaluating retirement in the next 5 years, I think it is essential to include taxes in the "expenditures" estimate. I may be dense, but the various calculators and estimates available often are unclear about this. Figuring this out and then including taxes on vario...
by Youngblood
Fri Mar 10, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

Jack FFR1846 wrote:
RoadHouseFan wrote:Our total household expenses target is around (preferably below) $30k. How about you?


So I guess I'll start with $73k in tuition and school expenses. I'll have to do some fuzzy math to get the total down to $30k. Give me some time, here.


Wonderful and wonderfully funny. :beer
by Youngblood
Fri Mar 10, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

"After tax" spending should better reflect what "stuff/experiences" are actually being purchased. This makes a difference if someone is using after tax savings, for example, vs. "everything coming from tax-deferred accounts", and thus subject to potentially high percen...
by Youngblood
Fri Mar 10, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

For me, I would find it more useful and interesting were the question: What percentage of your total income are your total expenses? That's something I believe is important information to have in regards to most stages in life. YB The problem with that is to define "income." By most defin...
by Youngblood
Fri Mar 10, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

For me, I would find it more useful and interesting were the question: What percentage of your total income are your total expenses?

That's something I believe is important information to have in regards to most stages in life.

YB
by Youngblood
Fri Mar 10, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Total Annual Expenses
Replies: 57
Views: 3912

Re: Total Annual Expenses

OP said total household expenses. Everything!

Kind of confuses me when folks say not counting this or that. The biggest leak in my boat is taxes so I definitely have to include those.

84K here.

Maybe someone can post their rationale explaining why they don't count taxes.

YB
by Youngblood
Fri Mar 10, 2017 11:02 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2546
Views: 654917

Re: What Movie Have You Recently Watched?

Captain Fantastic, meh.

Actors all good, but movie is too long and Captain Fantastic's character development is at times inexplicably hard to fathom.


YB
by Youngblood
Wed Mar 08, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - What are we not considering?
Replies: 14
Views: 3136

Re: Early Retirement - What are we not considering?

I am wondering why you are not including federal, state and property taxes in your planning. I've been retired for almost 19 years now and taxes are still our highest yearly expense category even though we virtually have no state income tax. But, our income vs. expense ratio was and still is high en...
by Youngblood
Mon Mar 06, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 15611

Re: Betterment just raised their costs.

Vanguard wrote: What's a Medallion signature guarantee, and when is it required? A Medallion signature guarantee is a type of legally binding endorsement that ensures that your signature is genuine, and that the financial company issuing the guarantee accepts liability for any forgery. ... A signat...
by Youngblood
Mon Mar 06, 2017 4:27 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 189
Views: 15611

Re: Betterment just raised their costs.

Not to minimize the hassle of switching brokers but a medallion signature guarantee should be available to you through a storefront bank or credit union. It may require a fee. Some have reported that it's not that easy and that banks, even ones they have accounts with, won't provide the service. I ...
by Youngblood
Sat Mar 04, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Worth It Or Not? [to Retire]
Replies: 21
Views: 2489

Re: Worth It Or Not?

Same profession as you but I retired with nearly 30 years teaching one month after turning fifty. Had I stayed in the classroom for one more year my state retirement would have also been higher. Being so tired of teaching and all the paperwork I have never looked back. However, if I could have gotte...
by Youngblood
Fri Feb 24, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21064

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

Okay, I get it, people would rather pay less than more and have choices. I do too and often shop for discounts. But, let's face it, Intuit couldn't make enough money off Quicken to justify keeping it for either profit or brand recognition. So, not sure you can call this new approach a means of gougi...
by Youngblood
Fri Feb 24, 2017 4:54 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 6348

Re: Desktop Computer - Still relevant? Good investment?

Desktop is my first choice. I wouldn't give up my Surface Pro 4 either as a full back up computer. At current prices, most everyone can afford both desktop and laptop unless they just don't want to.

YB
by Youngblood
Wed Feb 22, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Does anyone else have (possibly too much) fun dealing with finances?
Replies: 69
Views: 4919

Re: Does anyone else have (possibly too much) fun dealing with finances?

I enjoy it, but I am on auto-drive and enjoy watching, especially the days that Social Security and my pension hit the bank. :D . I use excel and update when shares reinvest or pay to my bank and it's all pretty easy as the sheets update from a Morningstar export. Me too! Work from the past paying ...
by Youngblood
Tue Feb 21, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Who would quit playing if they already won?
Replies: 106
Views: 10754

Re: Who would quit playing if they already won?

Let me sound the voice of dissent, it's not entirely clear to me that living on a 2% withdrawal rate means you can blithely maintain a high equity allocation. for example, if you were 100% in equities and the market moved down 50%, your withdrawal rate would move to 4%, which may be too high. My ap...
by Youngblood
Tue Feb 21, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 11090

Re: What are the big things to get right?

1. Marry someone who thinks about money in a way similar to yourself. 2. Make all major financial decisions together. 3. Save and spend money together. When chemistry and love enter the picture, and you're young, do you really think a person is going to make a decision based on determining whether ...
by Youngblood
Tue Feb 21, 2017 11:43 am
Forum: Personal Consumer Issues
Topic: Do you replace your electrical switches/outlets or use an electrician?
Replies: 93
Views: 5571

Re: Do you replace your electrical switches/outlets or use an electrician?

Yes, do it yourself, very easy. Do turn the electricity off and check it before you remove anything. One way switch or two way switch very easy if you have the right switches. Ask at HD or Lowes for the parts. With the saved money you can buy top quality switches and still save money.

YB
by Youngblood
Tue Feb 21, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 6348

Re: Desktop Computer - Still relevant? Good investment?

Desktops last longer than laptops, but they end up using a TON more electricity. Fun fact: if you keep a desktop computer for more than 4 years you'll spend more on electricity than on buying it! Empirically, this certainly isn't the case with my four year old pc desktop. It can sleep or hibernate ...
by Youngblood
Tue Feb 21, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 11090

Re: What are the big things to get right?

Unfortunately though, you can do everything right or mostly right but you also have to admit that at least luck plays a part in all forms of success.

YB
by Youngblood
Tue Feb 21, 2017 10:03 am
Forum: Personal Finance (Not Investing)
Topic: What are the big things to get right?
Replies: 90
Views: 11090

Re: What are the big things to get right?

1. Marry someone who thinks about money in a way similar to yourself. 2. Make all major financial decisions together. 3. Save and spend money together. When chemistry and love enter the picture, and you're young, do you really think a person is going to make a decision based on determining whether ...
by Youngblood
Sat Feb 18, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4735

Re: Really Vanguard? 48 Cents?!

AllenSmith wrote:i cant believe i read this thread. its 48cents, who cares?


Herein lies the truth.
by Youngblood
Fri Feb 17, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: PC replacement time
Replies: 30
Views: 2620

Re: PC replacement time

Purchased a HP Pavilion desktop with 27" monitor for $800 at Costco a little over four years ago. Currently running Window 10 and love it. Like you, although I have a Surface Pro 4, I prefer the desktop with the large screen. Since it was just over four years old and as another poster mentioned...
by Youngblood
Fri Feb 17, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3208

Re: Vanguard Service problems in the news

whodidntante wrote:I want to thank vanguard for not spending money on customer service. I need those ERs low.


But if VG doesn't ante they won't be able to play the customer service game. :happy
by Youngblood
Fri Feb 17, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3208

Re: Vanguard Service problems in the news

Hopefully this sort of article will help to prod Vanguard toward improvement. And Vanguard's fiercely loyal investors have proven to be one of their most effective markting tools, spreading the word about the advantages of low-cost, buy-and-hold investing. The Bogleheads board is filled with effusi...
by Youngblood
Fri Feb 17, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3208

Re: Vanguard Service problems in the news

Thanks for posting. Just a few days ago, I received an email from VG asking me to fill out a survey. I clicked the link and did. Perhaps another sign that Vanguard is at least planning to fix the problems customers are complaining about. While I used to be impressed with access to and responses from...
by Youngblood
Sun Feb 05, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 258
Views: 21064

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

I enjoy Quicken 2017 very much. If only given the choice of a forced subscription and no manual entry if I don't comply I would quit. In that case, I don't believe Quicken would survive anyway.

This hasn't happened yet so I will just enjoy using Quicken until it does.

YB
by Youngblood
Thu Jan 26, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: PPT - why sharp rise this week ?
Replies: 5
Views: 413

Re: PPT - why sharp rise this week ?

Gundlach recommended it in Barron's.

YB
by Youngblood
Tue Jan 24, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Do your own taxes?
Replies: 27
Views: 2106

Re: Do you own taxes?

Great advice to follow above. It seems many of us (myself included) started off doing taxes manually before computers or software was available. Then felt we might be missing some deduction and might be paying more than we legally had to. I also tried the professional tax route for one year and regr...
by Youngblood
Thu Jan 19, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 99
Views: 9384

Re: Vanguard's new "account overview" page... BOO!

livesoft wrote:Ugh! Something for me to look forward to, I guess.


Did you solve the screen resolution problem?

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