Search found 164 matches

by sixtyforty
Wed Jan 10, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: New mattress
Replies: 71
Views: 6742

Re: New mattress

Loom and Leaf makes a great mattress. Delivery service is top notch. No off gassing as it comes delivered fully expanded unlike other companies which deliver in a box. Very hot sleeper and the mattress stays cool. It has kept its shape and firmness over last 2 years. Highly recommend it. +1. We rea...
by sixtyforty
Tue Jan 09, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA
Replies: 16
Views: 1239

Re: COBRA

I guess it depends on which state you are in, but why not look at ACA ? There is a good chance you would qualify for subsidies especially if you are out of work. Why would one choose COBRA over ACA ?
by sixtyforty
Mon Jan 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Tea recommendations
Replies: 19
Views: 2438

Re: Tea recommendations

I pretty much drink Oolong exclusively. The fun thing about Oolong is that they all taste completely different depending on level of oxidation, roasting, where it's grown and how it's processed. Some Oolongs can taste smokey and resemble a black tea while others can look and taste like a green tea. ...
by sixtyforty
Thu Dec 28, 2017 5:58 pm
Forum: Investing - Theory, News & General
Topic: Partial Roth Conversions ?
Replies: 6
Views: 804

Partial Roth Conversions ?

Is the main reasons to do Roth conversions is to avoid higher tax rate in the future (which may or may not happen), or avoid leaving a tax burden to your heirs ? Are there any other advantages to doing partial Roth conversions ?
by sixtyforty
Sun Dec 17, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: VPW Spreadsheet Question
Replies: 1
Views: 288

VPW Spreadsheet Question

I've been playing around with the VPW spreadsheet and have a question. Under the "Backtesting" tab. I entered 48 as the retirement age and set SS to 10K, Start Year 2000. Under the backtesting table, the total income is $10K higher than the withdrawal in year 2000 (age 48). It looks like it's includ...
by sixtyforty
Thu Dec 07, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: How do you know you are FI? [Financially Independent]
Replies: 48
Views: 3973

Re: How do you know you are FI? [Financially Independent]

I would also 2nd the http://www.firecalc.com recommendation. It takes into account SS, which can be a big factor as well as the actual length of your retirement. The last tab "Investigate", allows you to play with what-if scenarios such as delaying retirement etc.
by sixtyforty
Tue Dec 05, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3278
Views: 947282

Re: What Movie Have You Recently Watched?

Mudbound on Netflix. Good movie but tough to watch.
by sixtyforty
Tue Nov 28, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 8050

Re: CNBC says Vanguard says 70% Chance of "Correction"

I hope more analysts come out and say a bear market or correction is imminent and that stocks are way overvalued. In my experience, it tells me that the bull market will most likely continue.
by sixtyforty
Fri Nov 24, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2749
Views: 878807

Re: What Book Are You Currently Reading? Part VI

I just finished The Plant Paradox: The Hidden dangers of "Healthy" foods that cause disease and weight gain. by M.D. Gundry. It is a real eye opener if accurate. I would be curious if anyone here is following a diet like this.
by sixtyforty
Tue Oct 31, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Sunscreen: use it all the time? (And what's a good one w/o sting?)
Replies: 58
Views: 3856

Re: Sunscreen: use it all the time? (And what's a good one w/o sting?)

The majority of sunscreens out there contain chemicals to block the sun. Personally, I never got comfortable with all those chemicals on my skin. Most degrade over time when exposed to UV light (can become unstable), or are not safe for the environment. Sweating also caused them to get in my eyes an...
by sixtyforty
Fri Oct 27, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Wade Pfau’s new book: How Much Can I Spend in Retirement?
Replies: 51
Views: 12811

Re: Wade Pfau’s new book: How Much Can I Spend in Retirement?

Thanks for the update AlohaJoe. I think I'm going to get McClungs book.
by sixtyforty
Thu Oct 26, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: How to secure your website?
Replies: 17
Views: 1366

Re: How to secure your website?

Depending on your situation, my suggestion is to use a static website. Static websites will fill most use cases and are more secure than a dynamic website. Using a static website eliminates a lot of security vulnerabilities. Here's some more information: https://wsvincent.com/static-vs-dynamic-webs...
by sixtyforty
Mon Oct 23, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 157
Views: 13547

Re: How does everyone keep track of your portfolio?

I track my asset allocation using Personal Capital, and I track my account balances and net worth with Excel. I do the same. My only complaint (very minor and nitpicking) with Personal Capital is the "Alternatives" allocation. I wish they would just show stocks/bonds/cash. The alternatives throws m...
by sixtyforty
Sun Oct 22, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Tub Cleaning Issue - Soap Scum
Replies: 32
Views: 5218

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: 2854

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: 31
Views: 4146

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: 116
Views: 12135

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: 5176

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: 5176

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: 58
Views: 5763

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: 4341

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: 1696

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: 4341

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: 326
Views: 55106

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: 385
Views: 27826

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: 950

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: 1040

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: 2493

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: 5176

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: 5176

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: 5034

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: 3278
Views: 947282

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: 54466

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: 54466

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: 54466

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: 4167

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: 2307

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: 2121

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: 2656

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: 3150

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: 2121

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: 8139

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: 7499

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: 4246

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: 4246

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: 4246

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: 2749
Views: 878807

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: 572
Views: 216329

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: 1069

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: 3431

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...