Search found 477 matches

by rixer
Tue May 24, 2016 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house?
Replies: 43
Views: 2182

Re: Should I buy a house?

OP, 1) You will be "House Poor" after buying the house. We know fair amount of stories of what happened to "House Poor" people. The story always start with "I do not want to waste my money with rent and I want to build equity". Many of them ended with foreclosures and ...
by rixer
Mon May 23, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Painting House Interior - How easy to do it yourself?
Replies: 100
Views: 4881

Re: Painting House Interior - How easy to do it yourself?

Check out Youtube tutorials.
by rixer
Sun May 22, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Pride in no inheritance to kids?
Replies: 233
Views: 329

Re: Pride in no inheritance to kids?

I'm retired now and the kids are adults and have their own careers. We never had a high income and got started saving for retirement late. We lived below our means and did without for years. We don't have a lot of retirement savings but we think with that and SS, we'll be able to make it. If there's...
by rixer
Sat May 21, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11778

Re: Is there a such thing as a blue collar Boglehead?

I'm a blue collar guy. I was in the carpet trade all my life and was never a high income earner. I learned a lot here and have become a passive index investor with our portfolio. I don't have millions but I think we all gain from having a Boglehead mentality. :sharebeer
by rixer
Mon May 16, 2016 8:30 am
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 123
Views: 13799

Re: 15 vs 30 yr mortgage

I was self employed and never knew what my income was going to be. I don't have all the math down like others here but this is what worked for me. I took the 30 year mortgage and sent in extra to be taken from the principle each month. This way, I was able to prepay the mortgage off way early but ha...
by rixer
Sat May 14, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: Best withdrawal strategy?
Replies: 16
Views: 1473

Re: Best withdrawal strategy?

I use a lifestrategy fund. I'm retired but haven't yet withdrawn any funds yet except for the dividends I take from the taxable . I plan on selling off enough of the fund once a year for living expenses. For us in the 15% bracket, it works out okay. Plus we love the simplicity.
by rixer
Thu May 12, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 140
Views: 14379

Re: Renting vs owning

The problem I have with renting is after 30 years of renting, you move and walk away with nothing. To make it worse, they will likely find a way to keep your security deposit too. When you buy, after 30 years, you own that house and have much equity. To me, owning is the better way. In 30 yrs i wil...
by rixer
Tue May 10, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Laminate Flooring Installers - finding local contractors
Replies: 14
Views: 906

Re: Laminate Flooring Installers - finding local contractors

Try Yelp. You can also check reviews of their work there.
by rixer
Sat May 07, 2016 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: I'm now debt free and...
Replies: 37
Views: 4778

Re: I'm now debt free and...

Congrats! The funny thing with me was we paid off the house and all the other debts but never really felt the benefit. That's because we just kept living frugally and saving everything else while preparing for retirement. After retirement the benefit is obvious. With no more saving huge amounts for ...
by rixer
Fri May 06, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: Fingernail Polish on my carpet, call leasing office?
Replies: 11
Views: 1320

Re: Fingernail Polish on my carpet, call leasing office?

If there is some spare carpet, hire a carpet repairman to cut out the damaged piece and replace it with the new donor piece. It will probably cost around $100and be invisable. Sometimes they can get a piece from a closet if there's nothing left over from installation. To keep trying to clean it will...
by rixer
Fri May 06, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3834

Re: Retirees: Who's not changing their AA, ever?

I'm 67, retired 3 years, no mortgage, no pension. I'm at 40-60 and will likely stay here for the duration. I sometimes struggle with going to 50-50 but it seems 40-60 is more my comfort zone.
by rixer
Wed May 04, 2016 9:14 am
Forum: Investing - Help with Personal Investments
Topic: New senior investor
Replies: 17
Views: 2163

Re: New senior investor

Have you considered the Life Strategy Conservative Growth Fund (VSCGX)? It may be something that will work for you. It's a 40-60 (stocks/bonds) balanced fund comprised of the 4 Vanguard index funds usually recommended. It's pretty low cost at 0.13 and it's something you can set and forget.
by rixer
Wed May 04, 2016 12:03 am
Forum: Investing - Theory, News & General
Topic: How many funds in your portfolio?
Replies: 99
Views: 6459

Re: How many funds in your portfolio?

One.VSCGX
by rixer
Fri Apr 29, 2016 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Renting vs owning
Replies: 140
Views: 14379

Re: Renting vs owning

The problem I have with renting is after 30 years of renting, you move and walk away with nothing. To make it worse, they will likely find a way to keep your security deposit too.
When you buy, after 30 years, you own that house and have much equity. To me, owning is the better way.
by rixer
Sun Apr 10, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: new Vanguard paper on active management
Replies: 28
Views: 1919

Re: new Vanguard paper on active management

larryswedroe wrote:http://www.advisorperspectives.com/articles/2016/01/12/has-vanguard-added-value-as-an-active-manager

Here's my analysis on Vanguard's active funds

Larry


I wanted to read that Larry but the pop up ad was so distracting I had to exit the site. :(
by rixer
Sat Apr 09, 2016 7:33 am
Forum: Investing - Theory, News & General
Topic: Are you planning to leave an "estate"?
Replies: 74
Views: 7277

Re: Are you planning to leave an "estate"?

No. But they're welcome to whatever is left. :beer
by rixer
Fri Apr 08, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: do you do airbnb ??
Replies: 64
Views: 4530

Re: do you do airbnb ??

I've only used Air B&B once. We rented a condo in Kona. It had over a hundred reviews and most of them were glowing so we took a chance and rented it for two weeks. It was great! cost was something like $115 per day and it was right on Ali'i Dr. We can't wait to go back. We'll use Air B&B ag...
by rixer
Thu Apr 07, 2016 9:06 am
Forum: Personal Consumer Issues
Topic: Experience with COSTCO refilling ink cartrridges?
Replies: 8
Views: 1122

Re: Experience with COSTCO refilling ink cartrridges?

I've never had good luck with refills. I've found replacement cartridges on Amazon to be very well priced. I can get three packages of ALL colors for around $10 and they work fine.
by rixer
Sun Mar 20, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340970

Re: What Movie Have You Recently Watched?

Black Mass
The story of Whitey Bulger
Very good.
by rixer
Sat Mar 19, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 9193

Re: Millionaire Next Door and Budgeting

I was always in the "Pay Yourself First" method like Klang fool. We always took a certain percentage out of every deposit for: 1. Prepaying the house 2. Funding retirement 3. Property taxes 4. General savings We simply lived on what was left. It worked out well for us this way but everyone...
by rixer
Tue Mar 15, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Family Trust and Death of First Trustee
Replies: 10
Views: 1128

Re: Family Trust and Death of First Trustee

I don't know the legality but here is the way we handled it. The wife's parents had a family trust. The mother passed and though instructions on the trust said to confer with the atty when one passes, the father did nothing as it's all community property and joint accounts. He just continued on with...
by rixer
Wed Mar 09, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16642

Re: Netflix, Your Current Favorite Show

Person of Interest
White Collar
by rixer
Fri Feb 26, 2016 10:49 am
Forum: Personal Consumer Issues
Topic: Tips On Carpet Replacement?
Replies: 2
Views: 399

Re: Tips On Carpet Replacement?

Just remove all items from the floor and any hanging items that are lower than waist high. That will be fine.
by rixer
Thu Feb 25, 2016 11:33 am
Forum: Personal Consumer Issues
Topic: Candlewax on Carpet?
Replies: 9
Views: 925

Re: Candlewax on Carpet?

You can put a white rag over the glob of wax and place a cloths iron over it, checking it every 20 seconds. That works well to get the wax out of the carpet. The problem is that many times, the wax will be removed but the dye from the candle has stained the carpet. You'll need a specialty stain remo...
by rixer
Fri Feb 12, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Delta lost my luggage...
Replies: 29
Views: 3240

Re: Delta lost my luggage...

This doesn't help for your immediate issue but I have learned to travel with only a carry on.
Problem solved.
by rixer
Fri Feb 12, 2016 10:35 am
Forum: Investing - Theory, News & General
Topic: Any regrets by people 50+ for having a conservative portfolio in their 30's
Replies: 68
Views: 8114

Re: Any regrets by people 50+ for having a conservative portfolio in their 30's

I'm retired now and I do wish I would have been more aggressive when younger. I regret that I never really invested much more than 40% in stocks. Now that I'm retired, no way am I comfortable going higher so I plan on staying 40/60 for the duration.

Still, it's worked out okay.
by rixer
Fri Feb 05, 2016 10:47 am
Forum: Personal Consumer Issues
Topic: Where to Stay in San Francisco?
Replies: 38
Views: 2997

Re: Where to Stay in San Francisco?

We like the Union Sq district and staying at the smaller boutique hotels. Getting around is best without a car because Sf has a fine transit system. Be sure to go to North Beach and see Beach Blanket Babylon. It's not to be missed in my opinion. The Tonga Bar in the Fairmont is also fun if you want ...
by rixer
Fri Feb 05, 2016 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone travel without hacking?
Replies: 103
Views: 12237

Re: Anyone travel without hacking?

I just use my costco amex when I travel and take the rewards when they distribute.
by rixer
Thu Feb 04, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Suggested AA for Retirees
Replies: 11
Views: 939

Re: Suggested AA for Retirees

I'm in somewhat the same situation. I chose to be 40/60 and will likely stay there.
by rixer
Wed Feb 03, 2016 10:55 am
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 7298

Re: What age did you retire

Retired at 64.
by rixer
Tue Feb 02, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340970

Re: What Movie Have You Recently Watched?

We watched "Reasonable Doubt" last. It's about a prosecuter who goes out drinking one night and runs over a man in the street. They arrest another guy (Samual Jackson)for the murder and the prosecuter has the job of trying this guy for the crime he has committed. It's on Netflix and a good...
by rixer
Sat Jan 30, 2016 10:14 am
Forum: Personal Consumer Issues
Topic: 3 Years to Obsolescence - SONY Blu-Ray YouTube App
Replies: 22
Views: 2996

Re: 3 Years to Obsolescence - SONY Blu-Ray YouTube App

Does anybody use one of those android tv boxes? I see them on Amazon and even at a Home Show here in town. They claim they receive everything that's streamed and there's no charge except for the one time purchase of the box, which is from $40-$130 depending on brand. There is also a brouser on them....
by rixer
Fri Jan 29, 2016 10:41 am
Forum: Personal Consumer Issues
Topic: Buying Carpet and Painting
Replies: 32
Views: 2558

Re: Buying Carpet and Painting

The main problem with the big box stores is the installation. They contract out the labor and those contractors sub it out to installers at low rates. In order for the subs to make decent money, they must work fast and that means cutting corners in most cases.
It doesn't always end well.
by rixer
Thu Jan 28, 2016 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Question about the timing of SS filing
Replies: 9
Views: 979

Re: Question about the timing of SS filing

One thing I didn't count on was that besides having to wait a month, if your birthdays are near the end of the month, your benefit will come on the 4th Wed of the month. So you may actually have to wait 2 months to get your first check.
by rixer
Mon Jan 25, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 15013

Re: Do you pay for exercise?

We belong to Crunch Gym. It's $9.95 mth. I don't have room in the house for gym equipment. I used to walk in the neighborhood but sometimes it's just too cold or raining to be outside. The gym is right down the street and I can go enjoy all the different exercise equipment. I don't have to worry abo...
by rixer
Sat Jan 23, 2016 9:30 am
Forum: Investing - Help with Personal Investments
Topic: Plan Update
Replies: 9
Views: 692

Re: Plan Update

We have just put everything in one fund for both simplicity and the fact that it has better performance than my slice and dice was getting. We're using Lifestrategy Conservative Growth (40/60) but as someone else said, it's not just one fund. It's a collection of 4 low cost index funds that cover th...
by rixer
Wed Jan 20, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Thinking about retirement
Replies: 7
Views: 905

Re: Thinking about retirement

A simple low cost balanced fund like Lifestrategy Conservative Growth (VSCGX) might work well for you. It's 40/60 and .15 expense.
by rixer
Wed Jan 20, 2016 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 2646

Re: Best place to live in CA for a retiree

I would say anywhere near Sacramento would work. The weather is warm, there are plenty of things to do and home prices are below the state medium.
by rixer
Mon Jan 18, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Wedding anniversary in Maui
Replies: 24
Views: 2366

Re: Wedding anniversary in Maui

The road to Hana shouldn't be missed. It's a ride through this beautiful rain forest with waterfalls and rainbows. Be sure to go just past Hana to the Seven Sacred Pools and swim there so you can say you did it. :happy
by rixer
Mon Jan 18, 2016 10:13 am
Forum: Personal Consumer Issues
Topic: Pizza Stone / Homemade Pizza Advice
Replies: 58
Views: 4600

Re: Pizza Stone / Homemade Pizza Advice

Here's how we do it. We get a pack of frozen cheese pizza's from Costco. Then we slice up pepperoni, mushrooms and whatever else we want or have available to load upon top of the frozen cheese pizza. Next, I place it in the Traeger smoker/grill on high for about 15 minutes and viola! It's Pizza Time...
by rixer
Wed Jan 13, 2016 11:11 am
Forum: Personal Finance (Not Investing)
Topic: How do I start budgeting?
Replies: 28
Views: 2340

Re: How do I start budgeting?

I never used a budget. I just figured out how much I wanted to save and deposited that percentage to savings at each deposit.

Then I just lived on what was left over. Simple but it worked for us.
by rixer
Wed Jan 13, 2016 10:54 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340970

Re: What Movie Have You Recently Watched?

Star Wars
Antman
by rixer
Wed Jan 13, 2016 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Retired Bogleheads -- How much did you spend last year?
Replies: 60
Views: 6199

Re: Retired Bogleheads -- How much did you spend last year?

2015 was the first year the wife and I were both retired all year. I was curious to know exactly how much we spent last year too. We really didn't budget anything, we just spent what we thought was appropriate. We live in Ca and property taxes are low because of prop 13 (about ($2,100), the home is ...
by rixer
Wed Jan 13, 2016 10:07 am
Forum: Investing - Theory, News & General
Topic: Is H&R Block any good? Who do you use?
Replies: 17
Views: 1082

Re: Is H&R Block any good? Who do you use?

HR Block? You would do just as good having the IRS fill out your tax forms for free.....
by rixer
Wed Jan 13, 2016 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 1357

Re: Where to open up a low balance retirement account?

I second Schwab also plus their website and customer service is outstanding.
by rixer
Sun Jan 10, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Warm vacation in January.
Replies: 20
Views: 2433

Re: Warm vacation in January.

Hawaii would be warm.
by rixer
Sat Jan 09, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16642

Re: Netflix, Your Current Favorite Show

We watch a lot on Netflix. Here's some we like/liked.

Person of Interest
White Collar
Burn Notice
Real Rob
Property Brothers
Flip or Flop
Fixer Upper
Transporter
Royal Pains
by rixer
Sat Jan 02, 2016 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How did your retirement Portfolio do in 2015?
Replies: 95
Views: 7004

Re: How did your retirement Portfolio do in 2015?

livesoft wrote:@rixer, Isn't LS Conservative growth 40/60?



Yes it is. Thank you for pointing that out livesoft. I'll go back and change it. :oops:

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