Search found 1695 matches

by island
Sun Mar 11, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Ok fellow bogleheads, was the correction scary or nothing?
Replies: 147
Views: 10449

Re: Ok fellow bogleheads, was the correction scary or nothing?

I'm in my 50's. It was nothing, didn't change a thing.
by island
Sun Mar 11, 2018 1:33 am
Forum: Personal Consumer Issues
Topic: Men's Cologne
Replies: 59
Views: 4388

Re: Men's Cologne

Sorry, but just say no. Cologne, after shave, etc is nasty. You can't smell it on yourself and I'm sure 99.9% of the people around you don't want the smell invading their space.
Most people I know, male and female, aren't allowed to wear it in their workplace.
by island
Mon Mar 05, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 3567

Re: Etiquette of hanging up on live telemarketers

Rude or not who cares. IMO it's rude to make the call in the first place. Actually they probably prefer it so they can move on to someone else. My college age nephew had a summer job in a telemarketing call center last year. He wasn't allowed to hang up on anybody no matter how long the person he ca...
by island
Mon Feb 26, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Strategies for getting out of a car dealership quickly?
Replies: 78
Views: 6943

Re: Strategies for getting out of a car dealership quickly?

You don't need a toddler, a teenager or anything else. Just say I changed my mind, I don't want the extended warranty and it's not open for discussion. Thank you. End of story. I really don't understand why that is so difficult. If you don't want to be jerked around, then don't do the same to them w...
by island
Sat Feb 03, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Jeans without strong chemical odor
Replies: 36
Views: 1951

Re: Jeans without strong chemical odor

Yeah I know you said going to the store is a hassle, but honestly, for the time you spent researching, posting on this thread, ordering online, getting the wrong size, concocting mixes to wash the smell away, couldn't you have just gone to a store, smelled, try on, bought, and be done with it?
by island
Sat Jan 27, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3903

Re: How do you know much retirement income is needed?

Duffer not to hijack, but you said cost of long term care is already accounted for, can you please tell me how you figured out what you'll need for that?
Thanks.
by island
Sat Jan 27, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: On the fence about 401k consolidation
Replies: 4
Views: 399

Re: On the fence about 401k consolidation

My DH had a couple of old 401Ks and left them where they were for probably 10-15 years. They were safe and easy to keep track of. He finally rolled them into his current 401K when one of them changed to poorer options. He was happy he didn't roll into an IRA because along came the backdoor Roth and ...
by island
Sat Jan 27, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: 401k millionaires
Replies: 158
Views: 24035

Re: 401k millionaires

I saw a similar report a few weeks ago. My thought then is the same as now: Anybody who was contributing the maximum legal contributions from about age 30 to age 60 will have 7-figures in the total of their 401(k)/403(b) (and derived rollovers from them). Basically, it was just a matter of time, in...
by island
Sat Jan 27, 2018 6:51 pm
Forum: Investing - Theory, News & General
Topic: How do you know much retirement income is needed?
Replies: 53
Views: 3903

Re: How do you know much retirement income is needed?

I agree that it is both simple and complicated. The simple part is just looking at what you do spend now on various categories of things. Someplace between simple and complicated is actually pricing what you will spend on some things. Medicare/Medigap can be priced. Your property taxes, insurance, ...
by island
Wed Jan 24, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 14346

Re: What is the best home exercise equipment?

I don't think there is a best, it depends on the individual. We have several pieces of gym equipment, but our Precor treadmill gets the most use by far and has been the most reliable for years. Secondary, my spouse likes the elliptical and I 'll use the Lifecycle, but it's a distant second in my cas...
by island
Tue Jan 23, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Best Tax Software for Backdoor Roth
Replies: 11
Views: 663

Re: Best Tax Software for Backdoor Roth

I've always used Turbo Tax, online version . The software does it correctly, but I sometimes don't. User error. I've gotten tripped up on wording, overthinking the prompting questions, or fear I did something wrong when instead I need to be patient and wait a few more steps to see resolution. Unfort...
by island
Mon Jan 22, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance - Physician
Replies: 28
Views: 1982

Re: Disability Insurance - Physician

For this type of insurance are the disability payments taxed?
by island
Sun Jan 21, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Fear of dying with too much money?
Replies: 137
Views: 8478

Re: Fear of dying with too much money?

Nope. Only fear would be not having enough to get us thru through the worst and I have no magic crystal ball telling me what that is. So we prepare and have absolutely no fear of the reverse, #1-5 or any other silly to add to that list. Not going to worry about any dollars left on the table after we...
by island
Sun Jan 21, 2018 2:56 pm
Forum: Personal Consumer Issues
Topic: Anyone donated a car to charity?
Replies: 25
Views: 1463

Re: Anyone donated a car to charity?

We've done it with all our cars since we keep all for years and don't want to be bothered with trying to sell or trade in. All we did was Call a local charity, they send someone to pick it up drivable or not, do the paperwork, title transfer, whatever, and send the donation slip to us in the mail. T...
by island
Sun Jan 21, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3053

Re: Rent (free at library) or buy books?

I buy books, like to hold them in my hand, turn pages. Have e-reader capability, but not the same experience and I don't want anymore screen time. I get enough at work and elsewhere to make me bleary-eyed without adding reading. Usually one read and done unless reference, but I regularly swap books ...
by island
Sun Jan 21, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: How much $ worth of things have you discarded without using?
Replies: 25
Views: 2436

Re: How much $ worth of things have you discarded without using?

Countless, mostly clothing, accessories. Happy I never added it up.
by island
Tue Dec 26, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Should we downsize?
Replies: 42
Views: 3252

Re: Should we downsize?

Keep it.
by island
Tue Dec 26, 2017 1:49 am
Forum: Personal Consumer Issues
Topic: European Cities that don't interest you
Replies: 187
Views: 12603

Re: European Cities that don't interest you

I wouldn't need to go back to Milan
by island
Fri Dec 22, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Any last minute shopping ideas for a spouse?
Replies: 22
Views: 2317

Re: Any last minute shopping ideas for a spouse?

She's given you suggestions, trust hers over anything you read here.
by island
Tue Dec 12, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 7114

Re: Dad Needs Help Buying Wedding Liquor

Vermouth? People drink that and the 1980's college girl drink, white Zin? Maybe a regional thing, but I'd Nix those.
Replace with tequilla for margaritas and a sparkling wine like Prosecco.
by island
Tue Dec 12, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 7114

Re: Dad Needs Help Buying Wedding Liquor

Just finished off an old bottle of Chambord that I bought in 2008, finally tried it in mix for french toast and found it to be yummy. Haven't owned any vermouth for decades. Here's what I use my bottle of Chambord for. Berry bundt cake. Delish. Not in a heart shaped pan though. https://www.williams...
by island
Tue Dec 05, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1980

carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

Need to get a new carry on and wheels are a must. Would you recommend a 4 wheel spinner or 2 wheel rollaboard and why? My last had 2 wheels and I had no problems wheeling that. I know the 4 wheel spinners are the latest and maneuver easily, but I've read they don't wheel well over carpet, get stuck ...
by island
Tue Nov 07, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Questions about durable power of attorney in PA
Replies: 3
Views: 476

Re: Questions about durable power of attorney in PA

Bump. Any PA residents out there? Thank you.
by island
Mon Nov 06, 2017 12:30 am
Forum: Personal Consumer Issues
Topic: Questions about durable power of attorney in PA
Replies: 3
Views: 476

Questions about durable power of attorney in PA

Does a resident of PA need an attorney to create durable power of attorney documents for financial and health care concerns if becomes incapacitated? Any suggestions for a reliable up to date website that explains requirements and provides the correct forms if there are standard ones? I don't live i...
by island
Mon Oct 30, 2017 3:16 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2922

Re: When the cold wind comes, I go where the dahlias bloom

...I'm not sure I could take the politics or lifestyle of Florida or Arizona though... I wouldn't plan on running for office or otherwise getting involved in local politics. I'd just want to escape the hell which is winter here in the northeast. Each year it seems to get more and more difficult for...
by island
Sun Oct 29, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2922

Re: When the cold wind comes, I go where the dahlias bloom

...I'm not sure I could take the politics or lifestyle of Florida or Arizona though... I wouldn't plan on running for office or otherwise getting involved in local politics. I'd just want to escape the hell which is winter here in the northeast. Each year it seems to get more and more difficult for...
by island
Sun Oct 29, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 2150

Re: What is on your Pre and/or Post Retirement Bucket List?

Interesting question. Not retired yet and so far no retirement bucket list plan. When I hear or read "what do you want to do in retirement?" All I can think of is " I just want to be". I work in healthcare where almost every minute of my day is prescheduled far in advance. There is no, I think I'll ...
by island
Sun Oct 29, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2922

Re: When the cold wind comes, I go where the dahlias bloom

I'm also curious how people do it. What is your primary residence and who takes care if it while you're gone? I know a few who leave their adult children in charge and they are starting to resent as their the parents time away increases and they have a lot of responsibilities of their own. We're in ...
by island
Sun Oct 08, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1855

Re: What do you do with your empty inkjet cartridges?

Recycle, don't throw in trash.
In my area Staples, Best Buy, and probably others will take them to recycle and give coupons to purchase new at a discount.

If that's not an option, check with your city trash/recycle program for other locations.
by island
Sat Sep 02, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: repairman broke washing machine, what would you do?
Replies: 42
Views: 4696

repairman broke washing machine, what would you do?

In a nutshell. 9 year old GE Profile washer was working well, but sounding louder during the spin. The matching dryer is fine. Contacted a certified GE repair person about the washer, repair was recommended after initial appt and when came back to replace a part yesterday, he was unable to remove a ...
by island
Sun Aug 20, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 18396

Re: How far would you travel to see The Eclipse?

OP like you we live in S CA and my spouse decided last week he was going to go to Idaho to see it. I thought he was nuts when he mentioned it and for once I was glad I had a job that requires planning for time off months in advance. His sister and some others had planned for this well in advance and...
by island
Sun Jul 30, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 1135

Re: How to protect individual assets when not married and own home together

Common Law state? As mentioned it's California. Community property state, I just added that to the original post. Thanks. As for common law, I don't know. I don't know if a state can be both common and community. Will have to check that out. California does not have common law marriage - however, i...
by island
Sat Jul 29, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 1135

Re: How to protect individual assets when not married and own home together

Depending on applicable state law, how the home ownership is "titled" might make a difference. One thing I would suggest is consulting an experienced attorney in the various types of such ownership and, possibly, take action to protect assets. With regard to title, are you talking about the home th...
by island
Sat Jul 29, 2017 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 1135

Re: How to protect individual assets when not married and own home together

Depending on applicable state law, how the home ownership is "titled" might make a difference. One thing I would suggest is consulting an experienced attorney in the various types of such ownership and, possibly, take action to protect assets. With regard to title, are you talking about the home th...
by island
Sat Jul 29, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 1135

Re: How to protect individual assets when not married and own home together

OZAR wrote:Common Law state?

As mentioned it's California. Community property state, I just added that to the original post. Thanks.
As for common law, I don't know. I don't know if a state can be both common and community. Will have to check that out.
by island
Sat Jul 29, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to protect preowned individual assets when not married and own home together
Replies: 11
Views: 1135

How to protect preowned individual assets when not married and own home together

Coworker's situation... In a long term relationship (9 years?), but not married and no desire to do so. She and BF own a home together in CA ( community property state) both on title, morgage and share all expenses that go with it, "commingled" ( her term) with regard to THAT asset and both have wil...
by island
Sun Jul 23, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 591

Re: How to view internet slideshows on 1 page?

Sometimes I come across internet slide shows I want to view, like home organization ideas, or shoes, but I don't want to click through 50 slides...or even 10 slides. So annoying. I recall someone on this site posted info on how to change something to allow viewing on one page. Try Deslide . It does...
by island
Sun Jul 23, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 50
Views: 4477

What's you safety deposit box fee?

if you have a safety deposit box can you please tell me what bank or credit union you use, what size, what you pay for it, and if you receive any discount for keeping a minimum balance there? We have one at our local BoA branch and even with 2 direct deposit paychecks, balances to keep free checking...
by island
Sun Jul 23, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: When doing retirement planning, do you count your spouse's savings?
Replies: 42
Views: 4849

Re: When doing retirement planning, do you count your spouse's savings?

We do. All our finances have been joint from day one. We were married 10 or 11 years by your age, saving, but certainly not crunching numbers for retirement projections at that age.
by island
Sun Jul 23, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 591

Re: How to view internet slideshows on 1 page?

Thanks will look for that setting.
by island
Sat Jul 22, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: How to view internet slideshows on 1 page?
Replies: 4
Views: 591

How to view internet slideshows on 1 page?

Sometimes I come across internet slide shows I want to view, like home organization ideas, or shoes :D, but I don't want to click through 50 slides...or even 10 slides. So annoying. I recall someone on this site posted info on how to change something to allow viewing on one page. It was at least a y...
by island
Mon Jul 10, 2017 9:02 pm
Forum: Personal Consumer Issues
Topic: Coyote control
Replies: 66
Views: 5166

Re: Coyote control

If you can't do a fence sounds like you can't do anything about the coyotes, but what about the "idiot" neighbors? Have you talked to them, shown them the video? I would.
by island
Sun Jul 09, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 9475

Re: how to destroy hard disk with personal info

Unless you are a target of a Nation State then physically damaging such as drilling should be a good enough measure. Yes, good one. The sledgehammer/drill/screwdriver method is probably good enough for normal people's financial and tax records. Spies, on the other hand, need to send it through a re...
by island
Sun Jul 09, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 9475

Re: how to destroy hard disk with personal info

I take the platters out and smash them. I've never seen a hard drive I could not take apart. Are you sure you looked hard enough for the screws? Usually Torx. Sometimes hidden under labels, stickers, etc The fasteners I see look like rivets, well more like a tiny rivet with a smooth round indentati...
by island
Sun Jul 09, 2017 3:19 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 6398

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Curious, what do you eat (and drink) when not at work? Ever go to other restos or do you make all your own meals, only buy non-processed and organic fruits and veggies?
by island
Sun Jul 09, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 9475

how to destroy hard disk with personal info

Have 5 hard disks from non working computers, all have some tax and financial info. Died before anything could be wiped, not that I'd trust that's enough anyway. Other than taking them somewhere to be shredded for $40+ a pop, can I do it myself? I've found a few threads and Googled for info. Nothing...
by island
Mon May 29, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: High School Graduation Gifts
Replies: 21
Views: 2729

Re: High School Graduation Gifts

This is a very timely topic. I like the book idea from physics teacher. What is the expectation on thank you notes? We rarely receive thank you from checks or gifts we send, which is frustrating. Is there an easy way to bring it up? Taking a few minutes to write a note or even an email goes a long ...
by island
Mon May 29, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Play Money for Spouse....
Replies: 138
Views: 12912

Re: Play Money for Spouse....

You are married. Finances are joint. She does not need your permission for specific expenses. You do need agreement on overall budget and types of expenses that are OK or not OK. Whoa! As I said in my OP, this is her request, not mine! She is welcome to spend whatever she wants from our joint accou...