Search found 151 matches

by sixtyforty
Sun Oct 22, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 4980

Re: Tub Cleaning Issue - Soap Scum

I found this works really well on shower stalls etc and it's safe. Just mix up baking soda and water. Make it so that the consistency is like a thin paste. Apply it to the affected areas with a sponge and a bit of pressure in a circular motion and let it dry for 30 minutes or more. The key is making...
by sixtyforty
Sun Oct 22, 2017 8:36 am
Forum: Personal Consumer Issues
Topic: how often to upgrade phone?
Replies: 44
Views: 2222

Re: how often to upgrade phone?

We've had our iPhone 5 for the past 5 years. Apple is not providing updates to that phone for iOS 11 and beyond. This may be the factor that pushes me to upgrade, maybe to a 6. From a financial perspective, I would think keeping the phone as long as you can saves you the most money.
by sixtyforty
Thu Oct 19, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 24
Views: 2596

Re: Revised Version The Little Book of Common Sense...

Thanks for the notification. This is the book changed it all for me.
by sixtyforty
Tue Oct 17, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 89
Views: 9174

Re: Converting to Safety Razors

I switched to a safety razor about a year ago after getting tired of spending so much money on those razor cartridges. I'm using the Merkur razor, Personna blades and Cremo Shave cream. This combo works well for me and is it's fast. I change blades once a week and 100 come in a pack. I don't nick my...
by sixtyforty
Fri Oct 13, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4742

Re: Sonoma in October

Sixty I am going to give away a local secret. There are great wines in El Dorado county around Plymouth. This is way over east of Sacremento. They do great old vine zinfidels and other reds. Places like Sobon, Terra d'oro, Shenendoah, and others. Then drive up to Apple Hill and pick apples off the ...
by sixtyforty
Fri Oct 13, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4742

Re: Sonoma in October

I cancelled our trip several days ago. We were scheduled to leave in two days. The hotel refunded 100% saying they could use the room for evacuees. We went with Southwest so we'll use the tickets elsewhere I suppose. The last thing NoCA needs right now is tourists getting in the way. The whole thing...
by sixtyforty
Fri Oct 13, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Outback Vs Forester Vs CR-V ??
Replies: 37
Views: 3180

Re: Outback Vs Forester Vs CR-V ??

Before we purchased our 2015 Subaru Forester, I called our local dealer and talked with one of the mechanics regarding the oil burn issue. He said that it was primarily with the Crosstreks in manual configuration... and even then they didn't see a lot of them. We've got about 24K on our Forester now...
by sixtyforty
Sat Sep 30, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3976

Re: Investing Books Debunked

I never went to a seminar but I did subscribe to IBD and tried to buy the black-bordered IBD 100 (now 50) stocks at their "trigger points". Larry Swedroe weighed in on CAN-SLIM in 2010. https://www.cbsnews.com/news/dont-confuse-strategy-with-outcome/ Thanks for the link. I notid two important point...
by sixtyforty
Sat Sep 30, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1517

Hardwood/Laminate floors ?

So we are looking at putting in some hardwood floors, to replace our carpet. I'm new to this stuff but have been reading about Hardwood, Engineered-Hardwood and Laminate on the internet. We are not looking to spend a lot, but at the same time don't want something that's going to look cheap. My Bogle...
by sixtyforty
Sat Sep 30, 2017 8:27 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3976

Re: Investing Books Debunked

Which investing books did you initially think were great but were then somehow debunked, so to speak? Conversely, which investing books did you initially think were junk but were then somehow proven sound? How to Make Money in Stocks: A Winning System in Good Times and Bad by William J. O'Neil, or ...
by sixtyforty
Fri Sep 29, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 317
Views: 51710

Re: Any books really change your outlook on life?

Little Book of Common Sense Investing - John C Bogle
The 7 Habits of Highly Successful People - Stephen Covey
by sixtyforty
Fri Sep 29, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20264

Re: Iphone X is $1000

I'm still using the iPhone 5S. Would like to upgrade to the 6S Plus but can't bring myself to pay $650 for one. Hopefully they will drop with the X and 8 on the market now. Regarding the iOS and Android debate. I've written an iPhone app that got approved by Apple. I can tell you the guidelines and ...
by sixtyforty
Thu Sep 28, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Suggestions Regarding Foot Orthotics
Replies: 6
Views: 842

Re: Suggestions Regarding Foot Orthotics

If you haven't done so, you might consider trying a number of the OTC orthos to see if they work. Many of the companies offer returns if you are not satisfied. You might have to try alot of them. They are less expensive, provide a better fit in shoes and you can get new ones each year.
by sixtyforty
Wed Sep 27, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Planning for Retirement in a few months
Replies: 8
Views: 913

Re: Planning for Retirement in a few months

You might consider plugging your numbers into this https://www.firecalc.com/ and running it to see where you stand. It's just another datapoint you can use in your analysis. I've found it helpful.
by sixtyforty
Wed Sep 27, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2343

Re: Edward Jones (again)

I understand where you are coming from. My mother in law went to EJ (without telling anyone) and they put her in 13 mutual funds, many of which were overlapping not to mention the front loads fees. I would echo what others have said here, is if you can simplify to two or three index funds with very ...
by sixtyforty
Wed Sep 27, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4742

Re: Sonoma in October

Good ideas. Thx everyone !
by sixtyforty
Tue Sep 26, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4742

Sonoma in October

DW and I are heading to the wine country this October. Staying in Petaluma, with some plans to visit the coast, wineries and maybe an olive oil ranch. For those of you that have been there, were there any wineries you really liked, or things you did that you would recommend ?
by sixtyforty
Tue Sep 26, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Memory Foam Mattress Recomendations
Replies: 51
Views: 4457

Re: Memory Foam Mattress Recomendations

We went from a Tempurpedic to a Loom & Leaf (luxury) and are quite pleased. The cooling gel technology in the mattress really does work. The organic cotton and pillow top are also nice features.
by sixtyforty
Tue Sep 26, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3019
Views: 885264

Re: What Movie Have You Recently Watched?

The Vietnam War - PBS. Very good. Should be required watching by everyone, especially politicians.
by sixtyforty
Fri Sep 08, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47348

Re: Equifax customer information leak

A credit freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft ― false new accounts opened in your name. New account fraud occurs when a thief uses the victim's personal information to open up one or more new accounts for credit or services in the ...
by sixtyforty
Fri Sep 08, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47348

Re: Equifax customer information leak

Good thread. As always great info from the Bogleheads.

Froze my and my wife's credit this morning from the big three. Free for the first time in CO. $10 to unfreeze or thereafter. At this point, I'm probably not going to sign up for the Equifax Trusted ID service.
by sixtyforty
Fri Sep 08, 2017 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 47348

Re: Equifax customer information leak

VictoriaF wrote:
Fri Sep 08, 2017 10:07 am
The dates received from Equifax represent the order in which people have checked the site. Early birds got 9/11, today they are giving 9/14. Later we will have later dates.

Victoria
Not necessarily. I checked mine this morning and got 9/14. My wife checked 2 hours after me and got 9/13.
by sixtyforty
Tue Sep 05, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 3607

How do you track expenses ?

I'm looking for a way to track expenses. I would like to use something that imports from existing accounts. I am considering using something like MInt, YNAB or Personal Capital etc. but not sure how safe it is. What do you use ? Do you feel it's safe ? Has it helped ?
by sixtyforty
Tue Sep 05, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Has Firecalc or I-ORP altered your retirement plans?
Replies: 17
Views: 2004

Re: Has Firecalc or I-ORP altered your retirement plans?

... Thirdly they demonstrate that historically, a higher percent "percentage of annual portfolio" withdrawal strategy with a conservative inflation-adjusted floor is a superior to maximize the utility of retirement assets versus a conservative inflation-adjusted SWR. The latter approach helps very ...
by sixtyforty
Wed Aug 30, 2017 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement - Withdrawal Strategies ?
Replies: 7
Views: 1911

Re: Retirement - Withdrawal Strategies ?

I went through this exercise last year. In addition to the material on the wiki, and McClung's book, Living Off Your Money, I studied Jim Otar's book, Unveiling the Retirement Myth. And for a nice analysis of which accounts to draw from, I started with I-ORP.com, the long form analysis. It was a th...
by sixtyforty
Wed Aug 30, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: how to calculate whether to pay off mortgage
Replies: 21
Views: 2407

Re: how to calculate whether to pay off mortgage

Here is another formula (From the Book Retire Sooner than you think) for determining whether you should pay it off using the 1/3 Rule. The rule states... If you can pay off your mortgage using 1/3 or less of your "non-retirement" accounts, consider paying it off. Following this rule, in your specifi...
by sixtyforty
Wed Aug 30, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Best lubricant for exterior door locks
Replies: 27
Views: 2718

Re: Best lubricant for exterior door locks

I use Ballistol for about everything around the house. Works great. Non-toxic & safe on the environment. Was invented by the Germans in World War 1 as a CLP (Cleaner, Lubricant & Protectant) for firearms. My mailbox lock was sticking almost to the point that I thought I was going to break the key tr...
by sixtyforty
Mon Aug 28, 2017 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Withdrawal Strategies ?
Replies: 7
Views: 1911

Retirement - Withdrawal Strategies ?

I'm looking for sources of info, either books, articles or software that can help me answer the following issues as it relates to my finances. (1) Identifying the best strategy to withdraw from investments (ie withdrawing from bonds first vs withdrawing and keeping a 60/40 allocation vs other method...
by sixtyforty
Tue Aug 22, 2017 8:58 am
Forum: Personal Finance (Not Investing)
Topic: How to get a job as a software developer?
Replies: 58
Views: 7868

Re: How to get a job as a software developer?

You might want to take a look at this. Not sure about costs. It's where I would start if I was your age and didn't have a degree.

https://www.hackreactor.com/

Here is the other one that I believe is free.

https://www.freecodecamp.org/
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: 6911

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: 37
Views: 3751

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: 37
Views: 3751

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: 37
Views: 3751

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: 2621
Views: 836929

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: 535
Views: 208691

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: 905

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: 3101

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: 177
Views: 17446

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: 3101

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: 9162

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: 1877

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: 1877

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: 2213

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: 135
Views: 10721

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: 4057

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: 607

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-content/uploads/2007...
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: 15022

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: 31
Views: 3275

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: 31
Views: 3275

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: 2700

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...