Search found 202 matches

by chuckb84
Mon Jan 08, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Downsizing to one car in retirement...
Replies: 68
Views: 3969

Re: Downsizing to one car in retirement...

Question for those who are retired couples with 1 or 2 cars... I’m 20+ years away from retirement but am just curious about what happens when both members of a household are retired in terms of cars. Is it better to downsize to 1 car, and if the need ever arises where both members need the car you ...
by chuckb84
Mon Jan 08, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 148
Views: 14393

Re: Anyone disenchanted with retirement?

Just hit 7 years in retirement and things seem to be going fast, but well for me. Was wondering if anyone has been disappointed with retirement and maybe went back to work, and went did that hit? No. LOL NO. My employer asked me to work part time as a contractor after I retired. That lasted 4 weeks...
by chuckb84
Sun Jan 07, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Oil filled space heaters
Replies: 39
Views: 3987

Re: Oil filled space heaters

We got a Mica panel heater. Same power output as the oil filled type, heats up faster, and some of the oil filled ones have a terrible smell from outgassing of the plastic. (Some do, some don't, it seems to depend on manufacturing variations of time). And the Mica panel is an infrared heater, BUT th...
by chuckb84
Thu Dec 21, 2017 12:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: @@Happy Holidays Bogleheads. How others here helped you?
Replies: 49
Views: 3949

Re: Holiday thanks to Bogleheads. How have they helped you?

So many individuals who have been helpful, but I'd like to give a shout out to the whole forum for: Civility. Practicality. Knowledge, and willingness to share so freely. Patience. Encouragement. Kindness. And a really surprising breadth of sound advice on topics that go way beyond just investing. I...
by chuckb84
Sun Nov 26, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2993

Re: Wifi speakers-SONOS vs Echo/Google Home

I really like our Wren. wrensound.com. Connects to the wifi and I stream music from my phone. The older ones don't do multi-room, but the sound quality is great.
by chuckb84
Tue Nov 21, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Why not take Social Security at 62
Replies: 334
Views: 26734

Re: Why not take Social Security at 62

I ran the numbers through FireCalc at various ages I take SS, it really did not affect the outcome. I had the same results - small differences only. I also did the same thing in Fidelity RIP and again, only small differences. I'm in my mid 50's and assumed living till 95.... I got similar results w...
by chuckb84
Mon Nov 20, 2017 9:37 am
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 5999

Re: Uber for someone who knows only taxis

Uber is great. Seriously great, and much better than taxis. Cleaner, nicer cars, nicer drivers, and once you have the app on your phone, trivial to use. It's also cheaper than taxis, with one exception: surge pricing. When demand in a particular spot spikes, Uber imposes surge prices. Theoretically,...
by chuckb84
Mon Nov 20, 2017 9:33 am
Forum: Investing - Theory, News & General
Topic: Is investing with Vanguard a tragedy of the commons?
Replies: 41
Views: 4939

Re: Is investing with Vanguard a tragedy of the commons?

Yes, it could be a tragedy of the commons. A tragedy of the commons is any situation where economic actors rely on a common resource without bearing the costs of keeping the common resource available, generally because property rights have not been appropriately assigned, such that the common resou...
by chuckb84
Tue Nov 14, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: IPHONE 8, X
Replies: 39
Views: 2350

Re: IPHONE 8, X

hi, is the iPhone X worth the $$$ or the 8 is good enough?? I think the 8 is fine. I personally think "Face ID" is a solution in search of a problem, that the fingerprint sensor is better, and Apple's war on buttons has now gone too far. The iPhone 8 is really more like an iPhone 6SSS, and the logi...
by chuckb84
Mon Nov 13, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 3674

Re: What's your weighted average expense ratio?

There was a previous large thread on this:

viewtopic.php?f=10&t=192998

The results, when I tabulated them were:

"The average ER is around 0.14%, the low is 0.04%, the high is 0.62%"

Mine is a about 0.05%; thank you TSP.
by chuckb84
Sat Nov 11, 2017 8:27 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 10239

Re: Retirees: I got this!!

I retired 18 months ago and it has been simple because of my pension. Pension makes it alot easier to feel secure. At least with the Florida Pension. I plan not to touch my investments for another 7 years. I will just have to decide how much more will I need each month. Question, what is the best w...
by chuckb84
Thu Nov 09, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 3054

Re: Bicycle wheels - what's a reasonable budget

I am planning to upgrade my stock wheels on my mid-high end carbon fiber bike early next year. Looked at various options and reviews online, talked to fellow cyclists, and LBS wheel guys, etc. Many different outputs, still undecided, but somewhat sure that I am not spending on high end all carbon w...
by chuckb84
Mon Oct 30, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 4647

Re: What’s a safe formula for assets needed to retire?

What is a safe formula on assets needed for retirement? I dislike a simplistic formula, but I suggest run this: http://www.flexibleretirementplanner.com/wp/ or this: https://www.i-orp.com/delta/extended.html And you'll have a pretty good idea. Play with different scenarios and you'll get a good ide...
by chuckb84
Sat Oct 28, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16386

Re: What was the main reason you retired?

What was the main reason you retired? Here are some examples of reasons I assume one would retire: 1) Hit your number 2) The amount of your contributions no longer made a meaningful difference in the size of your portfolio 3) Lost the motivation to pursue money 4) Had enough of your work environmen...
by chuckb84
Thu Oct 26, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Dad's portfolio. He's 92.
Replies: 3
Views: 778

Suggestions for Dad's portfolio. He's 92.

This is a summary of my Dad's retirement accounts over the past 10 years. He's turning 92 and just made me an administrator of his accounts....just in case. My Mom is 88 and in poor health.I am now the same age Dad was when he retired, and I have to say, I'm impressed and hope to follow his example!...
by chuckb84
Thu Oct 26, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: What is going on with the home insurance rates?
Replies: 53
Views: 5513

Re: What is going on with the home insurance rates?

I just got a renewal notice from AAA for my home insurance for next year. It goes up from around $1,900 to $2,700, an increase of more than 40%. Note that I have not had any claims for the past 8 years, at least. So I called another insurance company to get a quote, which is $5,900. I am still wait...
by chuckb84
Thu Oct 19, 2017 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 127
Views: 17042

Re: TSP to Vanguard?

In reference to Oncorhynchus's comment above - the House has passed a budget resolution that contains the following language regarding savings that could be obtained by shrinking the return of the G fund... (via My Federal Retirement) The resolution "assumes savings by correctly aligning the rate o...
by chuckb84
Wed Oct 18, 2017 9:47 am
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 116
Views: 12075

Re: Converting to Safety Razors

I took the plunge about a year ago. Edwin Jagger DE86 safety razor. Israeli red personna blades. What I really love are the soaps and creams like Taylor of Old Bond Street's grapefruit cream, Mitchell's Wool Fat soap, and Tabac. Learned at lot at the Badger & Blade forums. I still have trouble shav...
by chuckb84
Thu Oct 12, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: SUV options with 3 little kids
Replies: 57
Views: 3799

Re: SUV options with 3 little kids

Minivan. Just get over it and do it

I don't know if it is still true, but the Pilot and Odyssey used to be the same chassis, transmission and engine, the just body was different. So, if you like the Pilot, the Odyssey is the same mechanically.
by chuckb84
Wed Oct 11, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Card - Should I get a Replacement
Replies: 47
Views: 2935

Re: Social Security Card - Should I get a Replacement

My wife had to get a new ss card when she applied for her TX driver license. They wanted to see the actual card. Other than that, I can't think any other time that we have to show the actual card. That happened to me too. Same in New Mexico. BTW, SS cards, once, long ago, had printed on them "For S...
by chuckb84
Tue Oct 10, 2017 6:05 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2882

Re: Best weight loss resources?

I've lost around 30 pounds year to date, now down to 140. Hoping for a little bit more before year end. I did it using an app called "lose it" and weighing myself every day. I did a very restricted calorie diet for the first two months, making sure that the only calories I ate were high in protein ...
by chuckb84
Mon Oct 09, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4641

Re: Why is inflation so low? Moore's law?

Moore's law may or may not be dead; when the advent of quantum computing arrives all bets are off. Google claims their Quantum computer will be up to 100,000,000 times faster than your current laptop. https://www.sciencealert.com/google-s-quantum-computer-is-100-million-times-faster-than-your-lapto...
by chuckb84
Sun Oct 08, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 127
Views: 17042

Re: TSP to Vanguard?

"I suppose another work around would be to increase your TSP withdrawal to more than you need. Then every other month or every 3rd month roll that payment into a Vanguard IRA (using the 60 day rollover method). I think this could get tedious doing a rollover 4 to 6 times a year, but maybe not." That...
by chuckb84
Sun Oct 08, 2017 11:48 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 127
Views: 17042

Re: TSP to Vanguard?

Two questions on this. I have essentially all of our 401K money in the TSP. I am considering switching to Vanguard for more choices, but mostly for more flexible withdrawal options. We are now in the annual period in which I can change my monthly withdrawal amount and I find this very restrictive an...
by chuckb84
Fri Oct 06, 2017 11:20 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees, how and how much do you pay for health insurance?
Replies: 33
Views: 4339

Re: Retirees, how and how much do you pay for health insurance?

Retired Fed with Federal BCBS that I kept after retiring. I'm 63, DW is 61, so no Medicare yet. Family plan for us and 2 children who are still (just barely) under age 26: $551/month. No dental, and no vision included in that.
by chuckb84
Sun Oct 01, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2449

Re: Suggestions for 22 year old daughter's portfolio?

First, THANK YOU, everyone for the feedback! On specifics: 1. The BTC Lifepath funds are an ER of about 1.0 to 1.1%, so I was trying to avoid those. 2. I was wrong, VTWIX is 0.11%, nor 0.04%. Still a great deal. 3. Yes, she bought a new car for $30K, but she watched us keep cars for 15+ years, so I ...
by chuckb84
Sat Sep 30, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Suggestions for 22 year old daughter's portfolio?
Replies: 29
Views: 2449

Suggestions for 22 year old daughter's portfolio?

My younger daughter has graduated college (computer science major!) and has her first "real" job. She has a great 401K plan. She's putting in 10% of pre-tax salary and her employer puts in 7.5%. She has all the choices below, and based on just a phone conversation, I recommended: FXAIX, an S&P index...
by chuckb84
Fri Sep 29, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Seattle in 3 days
Replies: 38
Views: 3116

Re: Seattle in 3 days

Well, it's been decades since I lived in Seattle, but: Ray's boathouse for sure. If the weather is at least tolerable, and you bring that Maine hardiness, sit on the deck and watch the sunset behind the Olympics. Unbeatable. Ivar's! Personally, I like the one (if it is still there) near the Universi...
by chuckb84
Fri Sep 29, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: 3 stages of Financial Independence
Replies: 63
Views: 8216

Re: 3 stages of Financial Independence

I'm retired 2.5 years and kind at Level 2-ish, and quite happy to have made the decision to not do MMY to be closer to level 3. I like your rough assessment of how people feel about prospective or current retirement, but a stage, or perhaps better, a milestone, that I I remember quite well along the...
by chuckb84
Mon Sep 25, 2017 7:36 pm
Forum: Personal Consumer Issues
Topic: Any books really change your outlook on life?
Replies: 326
Views: 55033

Re: Any books really change your outlook on life?

Meditations, Marcus Aurelius Zen and the Art of Motorcycle Maintenance, Robert Pirsig The Feynman Lectures, Richard Feynman And in a different vein, three books that showed what large endeavors can do and how they can succeed: The Path Between the Seas, David McCoulogh The Making of the Atomic Bomb,...
by chuckb84
Sun Sep 17, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Psychological effects of Early Retirement in peak earning years.
Replies: 63
Views: 7589

Re: Physiological effects of Early Retirement in peak earning years.

When you retire you lose the structure of your working life and have to develop a structure of your free life. This is a very important process, but it's also a highly satisfying process. The model I use is that I am an entrepreneur, my enterprise is my life, and the mission of my "enterprise" is m...
by chuckb84
Thu Sep 14, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: Raising/Eliminating a Drop Ceiling in a Basement
Replies: 6
Views: 622

Re: Raising/Eliminating a Drop Ceiling in a Basement

It depends on the details of your home. We looked at this, and decided that it didn't add any square footage to the house, so elected to spend the money above ground: Enlarged the kitchen substantially and added a bedroom. Also, to raise the basement ceiling would have meant a lot of rerouting of AC...
by chuckb84
Mon Sep 11, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54152

Re: Equifax customer information leak

It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion. Some people have mentioned others? So, what else should I freeze? https://freeze.transunion.com/sf/securityFreeze/personalOrderProcess https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp https://ww...
by chuckb84
Sun Sep 10, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54152

Re: Equifax customer information leak

It took several tries with Equifax, but I have frozen: Equifax, Experian and Transunion.

Some people have mentioned others? So, what else should I freeze?
by chuckb84
Sat Sep 09, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54152

Re: Equifax customer information leak

I was able to quickly and easily freeze my credit report on Transition and Experian, but, after going through all the data entry, Equifax gave a "system unavailable" error message. Morons.

I too will be contacting my Senators and Representative about this, and joining the class action lawsuit.
by chuckb84
Sat Sep 09, 2017 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 54152

Re: Equifax says info stolen. What's my best course of action?

Enrolling into their free monitoring will exclude you from any future class action lawsuits. And what type of payout does one expect when the pool of plaintiffs is north of 100 million? :oops: I don't really care, so long as the aggregate payout is enough to bankrupt these clowns. And, BTW, put the...
by chuckb84
Wed Sep 06, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 26943

Re: Name something you had to have and now you regret purchasing it?

The fancy motor and rebuild of my 1976 BMW 2002. When the original engine needed a major overhaul, I went "all in", got the thing bored and stroked, higher compression ratio, dual side draft Webers, electronic ignition, "tuned" exhaust. It was nice, but loud and exhausting on long drives, and gettin...
by chuckb84
Thu Aug 31, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 11170

Re: Companies/Brands You Love?

Apple
Honda
Target
Amazon
Etymotic (I bet no one else has mentioned that one :) )
REI
Trader Joes
Nordstrom
by chuckb84
Sat Aug 26, 2017 7:49 am
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 4718

Re: SUV thread (with a twist)

Minivans are way cheaper and more practical than SUVs. If you don't care about your image, you don't need to tow, and you don't need 4WD, you'll almost surely come out ahead with a minivan. Not sure it qualifies as small for you, but it is smaller than the largest SUVs. Honda Odyssey, Toyota Sienna...
by chuckb84
Fri Aug 25, 2017 9:27 am
Forum: Personal Consumer Issues
Topic: Tax Implications of Selling Personal Residence
Replies: 11
Views: 936

Re: Tax Implications of Selling Personal Residence

You do need to report it, or you'll get a letter from the IRS Automated Underreporting system, like I did :(. I did not receive a 1099 and I knew I was well under the $500K limit for a married couple, so didn't report it. Got the letter, and they even accepted a phone call from me as proof I didn't ...
by chuckb84
Wed Aug 23, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 8190

Re: Japanese Bubble Burst 1989

What was actually happening in 1989 which made the world see Japan as such an amazing investment? IIRC at one point the value of real estate in Tokyo exceeded the valuation of all US real estate. In short, the Japanese bubble made the Tech Bubble look like a value fest. Sometime around the peak of ...
by chuckb84
Fri Aug 18, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 4584

Re: Bose Noise Cancelling Headphones

[/quote] I really like my ER-4P's and use them with the S converter (and amp) at times but another downside is that there is significant noise from the cable rubbing against things. Of course, there are things that can be done to help mitigate but this wouldn't be a concern with a bluetooth solution...
by chuckb84
Fri Aug 18, 2017 7:49 am
Forum: Investing - Theory, News & General
Topic: How I use I-ORP, and who shouldn't
Replies: 127
Views: 13654

Re: How I use I-ORP, and who shouldn't

. . . Another thing I like about I-ORP is that help is available. My first attempt gave me odd results, and I couldn't figure out what I was doing wrong. By following the instructions, you can get the inventor? (what exactly do you call a model owner?) to look at your work and give you feedback. On...
by chuckb84
Sun Aug 06, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 4584

Re: Bose Noise Cancelling Headphones

Supposedly Bose are the best at noise cancelling, although there are better headphones for audiophiles in the same price range such as the Hifiman HE400S Full-Size Planar Headphones. They make an airplane trip much more enjoyable. They are great when someone is vacuuming or blowing leaves (or you a...
by chuckb84
Mon Jul 31, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Comcast - lease modem/router or buy?
Replies: 47
Views: 5116

Re: Comcast - lease modem/router or buy?

mervinj7 wrote:I have the SB6141. Fantastic modem. Easy to self-install. Typically $70 unless its on sale or refurbished.
Yep.That's what I have; works flawlessly
by chuckb84
Mon Jul 31, 2017 10:38 am
Forum: Personal Consumer Issues
Topic: Your "at peace" moments.
Replies: 98
Views: 12312

Re: Your "at peace" moments.

Sunrises and sunsets from our house. I've seen Venus and the Moon in conjunction in the morning and in the evening. And the Maxfield Parrish colors in the clouds. So peaceful. And, some moments in yoga classes when holding a pose hits a certain endorphin level and the stretch becomes relaxing, and t...
by chuckb84
Sun Jul 30, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: How to calculate your retirement number
Replies: 95
Views: 10261

Re: How to calculate your retirement number

I was never comfortable with "a number". Instead I wanted to be able to vary lots of parameters and make myself think that I would be okay in a variety of situations. So, I recommend: https://www.i-orp.com/gamma/ORPCGI.pl and I also used http://www.flexibleretirementplanner.com/wp/download/ Which is...
by chuckb84
Thu Jul 27, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 259
Views: 32873

Re: Good Modern Science Fiction

Hmm. "Modern" science fiction is always open to some interpretation. I think good SF can be modern regardless of when it was written, so: True Names by Vernor Vinge. Dragon's Egg by Robert L. Forward The second one is --hard-- SF and, frankly, the writing and the characterizations are not the best. ...
by chuckb84
Thu Jul 27, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 36707

Re: When Experts Disagree

Bogleheads: When experts disagree it is often because there is no foreseeable difference. Best wishes Taylor That is SO well stated. I'm fascinated by the sophisticated mathematics in efficient frontiers, modern portfolio theory, monte carlo simulations, etc, but some time ago I realized that so ma...
by chuckb84
Sat Jul 22, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: How much electricity are you using and how expensive it is?
Replies: 93
Views: 5642

Re: How much electricity are you using and how expensive it is?

3400 sq ft house, and we use about 700 kwh/month, paying about $60-80/month. We live at 7200 feet, and don't have or need AC, as the fans work fine even when it's warm because of the low humidity. Water, on the other hand is expensive, but that combined water/sewer/trash bill is still typically only...