Search found 122 matches

by sixtyforty
Mon Aug 14, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: It's easy to have an investment plan until you get punched in the face
Replies: 53
Views: 6518

Re: It's easy to have an investment plan until you get punched in the face

One's ability to stick with buy and hold is inversely proportional to the frequency they look at their accounts.
by sixtyforty
Sat Aug 12, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2903

Re: Cheapest way to upgrade iPhones ?

JMacDonald wrote:
Sat Aug 12, 2017 10:07 am
AT&T seems to have a deal that you can get two iPhone 7s for the price of one. Check at a AT&T store to make sure:
https://www.att.com/shop/wireless/devic ... hones.html#
You have to sign up for extra services. Imagine that :)
by sixtyforty
Sat Aug 12, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2903

Re: Cheapest way to upgrade iPhones ?

I order refurbished phones for my wife and me through eBay. Never had an issue. Paid $360 for a 64GB 6s a few weeks ago. Is it just a matter of switching out the SIM card ? How is the cell number provisioned in the new phone ? How did you transfer all the data (if not in the cloud) ? Any advantage ...
by sixtyforty
Sat Aug 12, 2017 6:13 am
Forum: Personal Consumer Issues
Topic: Cheapest way to upgrade iPhones ?
Replies: 35
Views: 2903

Cheapest way to upgrade iPhones ?

We are currently with AT&T and have two iPhone 5 looking to upgrade. I haven't looked at costs in a while, but gosh $650 for a phone nowadays is a bit crazy. I know the phones do alot, but I'd rather not have to pay ( $650 or 25/month ) x 2 for two phones ! Is that what we are stuck with nowadays ? ...
by sixtyforty
Fri Aug 11, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2524
Views: 798280

Re: What Book Are You Currently Reading? Part VI

Night by Elie Wiesel

An incredible book about his experience, as a teenager, with his father in the Nazi German concentration camps at Auschwitz and Buchenwald in 1944–1945.
by sixtyforty
Wed Aug 09, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 517
Views: 203340

Re: TV show recommendations?

Ozark, The Night of, Goliath, Better Call Saul, Fargo. And the one all else is measured against........Breaking Bad.
by sixtyforty
Tue Aug 08, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: Advice on trip from SLC > Moab > DEN
Replies: 14
Views: 835

Re: Advice on trip from SLC > Moab > DEN

Sounds like a great trip. Two suggestions; (1) RMNP can get very crowded, especially as you get closer to the weekend. Start early. If "Trail Ridge Road" is open (usually depends on when the snow starts) it is a must-do. It's one of the highest paved roads in the US. October is a great time to go. T...
by sixtyforty
Wed Aug 02, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 2735

Re: Any BH mountain bikers?

(2) If you wrists are getting sore, make sure you are not putting too much weight on your hands. This occurs if your handlebars are too low or not enough air in your front fork. You can also try grips like the Ergon GE1. Also, one last bit of advice. Crashing is not something you want to do. It wil...
by sixtyforty
Wed Aug 02, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Tesla - next big lottery ticket ?
Replies: 167
Views: 15176

Re: Tesla - next big lottery ticket ?

I'm inclined to think that the very nature of this thread and most panning TSLA tells me the company will probably be a success :) It Might take a number of years though.

PS I believe they release earnings after the bell today.
by sixtyforty
Wed Aug 02, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Any BH mountain bikers?
Replies: 61
Views: 2735

Re: Any BH mountain bikers?

I've been an avid mountain biker for a number of years, ride in Colorado. Your right it's alot of fun. Here are my tips; (1) Believe it or not, you probably need to be in the next highest gear. You are probably stalling out when you get to the top. It's a misconception to be in a the lowest gear pos...
by sixtyforty
Sun Jul 30, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 8732

Re: How to calcuate your retirement number

I've always heard annual expenses multiplied by 25 or a 4% withdrawal rate. My understanding is that historically you would never run out of money, no matter how long your retirement was. Is this incorrect or are most bogleheads extremely conservative? No there is a small probability you would run ...
by sixtyforty
Thu Jul 27, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Part-Time Job who ?
Replies: 11
Views: 1781

Re: Part-Time Job who ?

30 year IT career. Retired for a year and a half then by luck landed a part time job on the groundscrew of the SF Giants. So far so good but it's a bit more physically challenging than sitting in my front room writing code. As far as getting the job I'd give one tip: it pays to get out of the house...
by sixtyforty
Wed Jul 26, 2017 6:10 pm
Forum: Personal Consumer Issues
Topic: Part-Time Job who ?
Replies: 11
Views: 1781

Part-Time Job who ?

I'm over 50 with a long background in IT. I've been somewhat retired over the past several years. Really haven't done much else except software related development. At this point, I don't see myself going back into IT. Have any of you found part-time work that you enjoy, outside of your main career ...
by sixtyforty
Wed Jul 26, 2017 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging Help
Replies: 37
Views: 2045

Re: Dollar Cost Averaging Help

No one knows what the market will do. All the math in the world won't necessarily make it an easier decision. It basically comes down to two emotional decisions only you can answer. I've had a similar situation and I always approach it from the two questions below. (1) If I invest the total amount n...
by sixtyforty
Mon Jul 24, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 128
Views: 8875

Re: Is Amazon Prime worth it?

It's been worth it to us. Free 2 day shipping, music, video, cloud storage etc have been great. Be forewarned though, you will probably spend more if you become a prime member. Then again, Amazon knows that :)
by sixtyforty
Fri Jul 21, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Investing well for Retirement can be frustrating
Replies: 52
Views: 3886

Re: Investing well for Retirement can be frustrating

"He who truly knows, has no occasion to shout" - Leonardo da Vinci
by sixtyforty
Tue Jul 18, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Have you read the GotRocks parable ?
Replies: 2
Views: 589

Have you read the GotRocks parable ?

In case some of you have not read this, I will post it here. It's one of those reads that just hit home for me, well before I found the Bogle forum. I love the quote... " For investors as a whole, returns decrease as motion increases". So true.

http://johncbogle.com/wordpress/wp-cont ... %20one.pdf
by sixtyforty
Wed Jul 12, 2017 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 14284

Re: Roll call Warren Buffet 90/10 portfolio

I always find it interesting that threads like this always seem to pop up when the market is at new highs. I'll take my hat off to the person that espouses their 90/10 portfolio when we are in the jaws of a bear market plummeting down -50%. The Dow is consistently opening at a -500 and the news is t...
by sixtyforty
Wed Jul 05, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 24
Views: 2217

Re: Lastpass anyone use it?

I did have 2 factor auth setup with Google but eventually removed it. You have to look up a code on the app on your phone within a certain amount of time. That was fine, but then I got to thinking what if I lose my phone or didn't have my phone handy how would I get into the accounts ? I didn't lik...
by sixtyforty
Tue Jul 04, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 24
Views: 2217

Re: Lastpass anyone use it?

I've been using it for the past year. It's really streamlined things significantly. I did have 2 factor auth setup with Google but eventually removed it. You have to look up a code on the app on your phone within a certain amount of time. That was fine, but then I got to thinking what if I lose my p...
by sixtyforty
Tue Jul 04, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Suggesting to a parent to leave Edward Jones
Replies: 23
Views: 2463

Re: Suggesting to a parent to leave Edward Jones

We were in a similar situation with my mother in-law. She divorced later in life was not financially knowledgable, went to Edward Jones. The FA there put her in 15 different mutual funds all with a 2% front load. We found out a bit late, unfortunately. Have you considered maybe the Wellesley or Well...
by sixtyforty
Tue Jul 04, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 225
Views: 32872

Re: What's the ideal safe retirement net worth target?

You might try http://www.firecalc.com/ The "Investigate" tab will allow you to run the simulation to determine a starting portfolio value, given expenses, SS, retirement date etc.
by sixtyforty
Sun Jul 02, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13659

Re: Sam's Club vs. Costco

We've shopped at Sam's club and Costco. In our area it's not even a comparison. Costco hands down.
by sixtyforty
Sat Jul 01, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: FIREcalc says I can retire. Should I ?
Replies: 19
Views: 3819

FIREcalc says I can retire. Should I ?

I ran the numbers in FIRECalc (ie portfolio value, expenses, SS, pension etc) and based on our expenses, it generates a 100% success rate. The expenses I entered I think are pretty much inline with we spend now. This would be considered early retirement for both of us (ie less than 65 yrs old). The ...
by sixtyforty
Mon Jun 19, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Which motorcyle?
Replies: 26
Views: 1448

Re: Which motorcyle?

Consider getting a convertible. It's safer. This is coming from someone that has had two street bikes and countless other dirt bikes. Just my opinion of course. FYI: Riding a bike with one person takes skill and awareness most people don't even have on the street, especially through intersections. R...
by sixtyforty
Fri Jun 16, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 38946

Re: Regret early retirement/downsizing

If that is the great passion of your life then I hope it works for you. Just would have thought you might have something else you would like to pursue such as music, photography, cycling, hiking, travel or something else. Is there some sort of hierarchy of hobbies based on credibility/importance? H...
by sixtyforty
Wed May 31, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Using LastPass to Manage Passwords
Replies: 38
Views: 3722

Re: Using LastPass to Manage Passwords

I use Lastpass based on feedback from a thread I posted a few months ago... viewtopic.php?t=213356

So far I really like it. Would never go back to my old method.
by sixtyforty
Wed May 31, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: Paying someone to build a website
Replies: 28
Views: 2567

Re: Paying someone to build a website

Judging from the responses, alot of Bogleheads seem to be IT inclined I develop professional websites on the side using Wordpress. Here are my highlights; - Don't use GoDaddy - Basic Websites should be about $2k to $3k. Ecommerce websites depending on how many products, could be $3K to $10K dependin...
by sixtyforty
Sun May 14, 2017 6:50 am
Forum: Personal Consumer Issues
Topic: Where do you get your tea ?
Replies: 23
Views: 2295

Where do you get your tea ?

I like loose leaf teas... mainly green teas & oolong. Organic if I can find it. Looking for online retailers to get my tea from.
Any recommendations ?
by sixtyforty
Wed May 10, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: First 100 mile bike ride
Replies: 51
Views: 3559

Re: First 100 mile bike ride

You probably already know this but make sure you are well hydrated *before* you start the race (ie your urine should be clear), carbo load the night before and make sure you drink along the way. You want to eat a little but not too much where you could start to get cramps etc. You don't need much. A...
by sixtyforty
Tue Apr 18, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Cabo San Lucas ?
Replies: 13
Views: 1629

Cabo San Lucas ?

My wife and I are looking to take a trip to Cabo this May. For those of you that have been there, what places/things to do that you really enjoyed ? Restaurants that have good fish tacos ? Snorkeling ? How did you get around the peninsula since we won't have a car ? Things/places to avoid ?
by sixtyforty
Mon Apr 10, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: Low Cost Shipping Methods ?
Replies: 1
Views: 596

Low Cost Shipping Methods ?

Need to add a shipping component to an eCommerce website. Most of the packages from this company will be less than 16 oz. Anyone have suggestions on the lowest cost for shipping w/ the ability to print labels etc ? Or, anyone have experience with the following services; ShipStation, ShipEasy, Shippo...
by sixtyforty
Tue Apr 04, 2017 6:48 am
Forum: Personal Consumer Issues
Topic: Is Craigslist still the main site to sell stuff locally?
Replies: 51
Views: 5239

Re: Is Craigslist still the main site to sell stuff locally?

I've sold a bikes & furniture on Craigslist. Smaller stuff I sell on eBay. For Craigslist, just be sure you are detailed in your description, excellent well lit photos & priced right. I always specify CASH ONLY. If it's something I can move myself (bikes etc), I will meet at a local parking ...
by sixtyforty
Sat Mar 25, 2017 9:37 am
Forum: Personal Finance (Not Investing)
Topic: What online bank do you use?
Replies: 68
Views: 6645

Re: What online bank do you use?

Ally. Very pleased so far.
by sixtyforty
Thu Mar 23, 2017 8:59 am
Forum: Forum Issues and Administration
Topic: Hacking Wordpress
Replies: 11
Views: 1793

Re: Hacking Wordpress

Keep your wordpress *always* up to date. The majority of hacks come in through unpatched updates. Install wordfence and implement a backup schedule.
by sixtyforty
Tue Mar 21, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 7098

What's your strategy for withdrawing funds in Retirement ?

I'm still trying to figure out a good strategy for withdrawal in retirement (not there yet, but getting close).

Can I ask what strategy are you following for withdrawing funds in retirement ? Also, was there any particular book you found beneficial in helping form your withdrawal strategy ?
by sixtyforty
Thu Mar 16, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 3529

Re: BND flat today despite interest rate announcement

One thing I've learned over the years is the market moves way BEFORE the actual news.
by sixtyforty
Tue Mar 14, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11649

Re: What to do with all these passwords ?

OP here.. Great feedback. Started using Lastpass a couple of days ago. Still keying in all my user Id's and Passwords ! So far, I really like it. I setup Google Auth as well.
by sixtyforty
Mon Mar 13, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2867
Views: 842704

Re: What Movie Have You Recently Watched?

Thrifty Femme wrote:Get Out, very deep. I need to see it again.


+1 Great plot. Excellent acting. Anyone reading this that want to see the movie.. don't watch the trailer. Gives away too much.
by sixtyforty
Fri Mar 10, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 11649

What to do with all these passwords ?

How are you managing all your passwords ? Are you using 1Password ? Something else ? I was thinking of creating a spreadsheet on OneDrive to contain all my passwords, but not sure how secure that is. Ideas ?
by sixtyforty
Thu Mar 09, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2360

Re: Diamond earrings

Finally, be very careful about buying diamonds in pawn shops, second hand or places you "think you are getting a great deal". If you do, ask if the diamonds come with the GIA certification. That way you know exactly what you are buying. So many customers get bad diamonds (poor clarify, po...
by sixtyforty
Thu Mar 09, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2360

Re: Diamond earrings

Finally, be very careful about buying diamonds in pawn shops, second hand or places you "think you are getting a great deal". If you do, ask if the diamonds come with the GIA certification. That way you know exactly what you are buying. So many customers get bad diamonds (poor clarify, po...
by sixtyforty
Wed Mar 08, 2017 1:44 pm
Forum: Personal Consumer Issues
Topic: Diamond earrings
Replies: 19
Views: 2360

Re: Diamond earrings

If this is for that someone special, Tiffany's is hard to beat. Yes, they are bit more expensive, but the quality is always there, you can trust the company (at least I have), and customer support has been excellent. Lastly, for a lot of women there is something special about having that gift wrappe...
by sixtyforty
Thu Feb 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 3087

Re: Subaru Forester - Harsh ride

Have a 2015 Subaru Forester with about 15K miles. While I like the car, bumps can come through rather harsh. Still running the stock tires (Geolander). Any of you Subaru owners out there experience the same thing and done anything to improve it ? Better tires etc ? did you get a higher end model w/...
by sixtyforty
Thu Feb 16, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 3087

Re: Subaru Forester - Harsh ride

Had a 2015 Forester (totaled in a wreck). Have a 2017 touring now. They did soften the suspension in the mid-cycle refresh. However, right before the first car was totaled, I changed out the tires to all-season touring tires. Made a world of difference in the noise and had a somewhat positive effec...
by sixtyforty
Thu Feb 16, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 3087

Re: Subaru Forester - Harsh ride

Dutch wrote:Interesting. What is your opinion on the noise-level. Is this a noisy car?


No, I wouldn't classify it as noisy car. Don't really notice the noise & that's without the radio going.
by sixtyforty
Thu Feb 16, 2017 10:28 am
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 3087

Re: Subaru Forester - Harsh ride

Have a 2015 Subaru Forester with about 15K miles. While I like the car, bumps can come through rather harsh. Still running the stock tires (Geolander). Any of you Subaru owners out there experience the same thing and done anything to improve it ? Better tires etc ? OEM tires often have harder rubbe...
by sixtyforty
Wed Feb 15, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - Harsh ride
Replies: 21
Views: 3087

Subaru Forester - Harsh ride

Have a 2015 Subaru Forester with about 15K miles. While I like the car, bumps can come through rather harsh. Still running the stock tires (Geolander). Any of you Subaru owners out there experience the same thing and done anything to improve it ? Better tires etc ?
by sixtyforty
Mon Jan 09, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2867
Views: 842704

Re: What Movie Have You Recently Watched?

Goliath on Amazon Prime. Great series.