Search found 150 matches

by mrgeeze
Mon Sep 24, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Acoustic Pianos
Replies: 16
Views: 375

Re: Acoustic Pianos

Danger Will Robinson!!! my background I have played music for 45 years. I have instructed many students. Some are pretty good. I feel a quality instrument is in order for someone committed to music. At this point get a small grand piano at a price point you can afford. There really is no substitute....
by mrgeeze
Mon Sep 24, 2018 5:47 am
Forum: Personal Consumer Issues
Topic: Can salt water kill weeds permanently?
Replies: 18
Views: 2677

Re: Can salt water kill weeds permanently?

Be very aware that long term effects of chemicals on you, the rest of us, and the world we live in are not completely understood New things have come to light (nod to the Dude) even on things we previously thought "safe" like glyphosate(Roundup,etc). Chemistry is a really powerful tool. Use it well....
by mrgeeze
Mon Sep 24, 2018 5:03 am
Forum: Personal Consumer Issues
Topic: Bareboat Charter in BVI
Replies: 8
Views: 1011

Re: Bareboat Charter in BVI

I prefer power to sail. Its just easier to get around. I would go with a power cat as big as you can afford comfortably. Boats can get very small after only a few days, especially if someones having an attitude. Monohulls seem more difficult to find some personal space. They are kind of like long ha...
by mrgeeze
Wed Sep 19, 2018 8:00 pm
Forum: Personal Consumer Issues
Topic: Did you really have something to retire to?
Replies: 133
Views: 10915

Re: Did you really have something to retire to?

retiredjg wrote:
Wed Sep 19, 2018 3:12 pm
flyingaway wrote:
Wed Sep 19, 2018 2:55 pm
For those who are retired, did you really have something solid to retire to?
I didn't. Not a clue. It has not been a problem. :happy
+1
by mrgeeze
Mon Sep 17, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5702

Re: Thinking of Retiring at 52, Please Critique Plan

Honestly I was a bit apprehensive when I stopped "working for the man" 3 years ago. I did my research, my ducks were in a row. My financial advisor assured me I was ready. But I was nervous I wasn't overjoyed at my job back then but I did not hate it. Indifference would be a good term. I dug the $$$...
by mrgeeze
Mon Sep 17, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of Retiring at 52, Please Critique Plan
Replies: 42
Views: 5702

Re: Thinking of Retiring at 52, Please Critique Plan

I would be terrified about health insurance if I were you. If you had asked me years ago I would have said that what's happened to insurance would have been completely unsustainable and yet here we are. So what will it cost you? $10k this year, $20k next year... how long before $40k? Remember the c...
by mrgeeze
Sat Sep 08, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - AGI and MAGI ... The cliff ahead. need deductions
Replies: 5
Views: 695

Re: ACA - AGI and MAGI ... The cliff ahead. need deductions

Great stuff fellow forum members! Exactly what I needed. Thanks. I've got a bronze ACA plan in place now that allows an HSA contribution. Nice to know I can wait till April 15.That should allow for any final tweaking. I've had some experience with wash sales. I will probably buy some of the losses b...
by mrgeeze
Sat Sep 08, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: ACA - AGI and MAGI ... The cliff ahead. need deductions
Replies: 5
Views: 695

ACA - AGI and MAGI ... The cliff ahead. need deductions

This is my second year on ObamaCare. Its been great for us.. Saves about 10k per year in premiums. Anyway looks like I'm perilously close to going over the cliff this year. Basically I'm over it now. I live entirely off my investments. w-2 income is zero, corporations/partnerships are about zero. Gi...
by mrgeeze
Fri Jul 20, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13154

Re: What I spent in 6 months on medicare

I am 63 and paying 24k a year for HSA bronze plan, plus my wife spent 3 days in the hospital that cost Me 6k. Can't wait for Medicare. Plus about $300 for rx. I need to join the real world. I am stunned by these prices. Truth is many people are in the dark about the cost of healthcare in the US. Fo...
by mrgeeze
Wed Jul 18, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 27
Views: 3520

Re: Thinking about job change but current job gives 9% salary into 401k..

Consider the $$. Just for math lets say 25% tax rate. So a 9 grand match on an IRA is worth about 11 grand in payroll. If the other guy gives you 10-12 grand in salary you are indifferent. By that I mean its the same thing. Except you can spend it however you wish. While I agree that its just money...
by mrgeeze
Wed Jul 18, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Thinking about job change but current job gives 9% salary into 401k..
Replies: 27
Views: 3520

Re: Thinking about job change but current job gives 9% salary into 401k..

So just as the title states.. I'm considering going back to my old employer but one of the most amazing perks that this company offers is that I get 9% of my annual salary deposited into my 401k no matter if I contribute or not. HOWEVER, they unfortunately have very expensive John Hancock funds. I'...
by mrgeeze
Fri Jul 13, 2018 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 6086

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

I'd also be uncomfortable with this personally and would want additional compensation for the risk/wear. I'd also want to approve of the subs. Forgetting your comfort, I would want some extra security deposit on the subs. I think you can reasonably expect more maintenance with more people. Check yo...
by mrgeeze
Thu Jul 12, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 2006

Re: Question for pre-ACA Early Retirees

I worked as an independent contractor for 15 years before I retired at 57. During those years my one man band company paid healthcare premiums to the tune of about 10k per year. I could just have easily purchased the same coverage as an individual in the states I lived during this period (VA,NC,MD) ...
by mrgeeze
Thu Jul 12, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Which degree to pursue?
Replies: 18
Views: 1636

Re: Which degree to pursue?

Six Sigma has always interested me, but I was unsure if was still considered a respectable certification. To be honest, I really do not want to do engineering, but I understand that it is highly respected in my industry. I wouldn't go to school to learn things I didn't want to do -- life is way too...
by mrgeeze
Thu Jul 12, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Couple Early Retirement
Replies: 29
Views: 2562

Re: Health Insurance for Couple Early Retirement

Consider the first year as a penalty year. So pay the highest premium needed but use that year to manage income for following years such that you can receive highest ACA subsidy. In fact he should have used COBRA months to do it already. It will end up costing tens of thousands of dollars more than...
by mrgeeze
Sun Jul 01, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 2032

Re: Should I cancel my Colorado trip due to wildfires??

We spent 2 months last summer out west and did some fire dodging. We're going back out west for 2 more months in a couple of weeks Flexibility is key to enjoying your trip. If you are willing to change itinerary to go where the smoke ain't , you'll be fine. If you need to adhere to a mapped out sche...
by mrgeeze
Fri Jun 29, 2018 3:33 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4201

Re: Anyone Tried Youtube TV Yet?

i use it.
seems like the best thing out there for live tv for a cord cutter.
tried some of the other ones.
like youtubetv the best of them all
by mrgeeze
Fri Jun 29, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Determining "Fair Market Value" for a home
Replies: 14
Views: 1144

Re: Determining "Fair Market Value" for a home

An appraisal from a licensed appraiser would not be a bad idea. +1. This is the best way. The appraiser gives you a FMV based upon his assessment of the property and comparable sales in the area. I'd like to believe a single appraisal will give you fair market value. But I don't. My experience with...
by mrgeeze
Thu Jun 28, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Need opinion on buying a Lakewood guitar
Replies: 18
Views: 1263

Re: Need opinion on buying a Lakewood guitar

Do you have a shop close to you where you can sit down and play one? So much of guitars is based on personal preference, type of playing, tone dynamics, how it feels in your hand. It will be difficult to know if it fits your budget and style This! Go try a bunch and see what feels sounds best. No 2...
by mrgeeze
Thu Jun 28, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Stocks vs. rental property
Replies: 101
Views: 10487

Re: Stocks vs. rental property

Dear experts, I was wondering if you think investing (say 1 million dollars for example) in rental property may be better than stocks and bonds? Because rental property would provide appreciation as well as monthly incoming though there is always the pain of not being able to find tenants? Or shoul...
by mrgeeze
Tue Jun 19, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 74
Views: 5813

Re: "distilled" water for wife's CPAP machine

TappyGee wrote:
Mon Jun 18, 2018 3:47 pm
I used the water from my under sink reverse osmosis system. It works great and leaves no residue in my tank.
+1

Except with mine the faucet is not under the sink but near the main sink faucet.

Joke... everyone laugh :D
by mrgeeze
Sat Jun 16, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5721

Re: What are your hobbies?

deep sea fishing
guitar playing
wood turning
furniture building
travel
birding
hiking
boating (sail and power)
cooking
by mrgeeze
Wed Jun 13, 2018 11:58 am
Forum: Personal Consumer Issues
Topic: What To Do About 2001 Honda Odyssey With No AIr
Replies: 16
Views: 1469

Re: What To Do About 2001 Honda Odyssey With No AIr

A complete AC replacement kit for a 2001 Odyssey is about $300. I wouldn't lose any sleep about what happens if they can't find the leak. $300 seems a bit light for an a/c replacement with parts and labor. I'm guessing its more in the $750-1000 range but it varies depending on the vehicle. Assuming...
by mrgeeze
Wed Jun 13, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: For Sale By Owner (FSBO) purchase - how much discount can I expect?
Replies: 22
Views: 1770

Re: For Sale By Owner (FSBO) purchase - how much discount can I expect?

In my experience, most of the FSBO types are thinking along these lines: " Why should I give the realtor any of my money. The entire proceeds of the sale should be mine ". In other words, they are not inclined to "split" the commission with the buyer. So you get all the hassle of FSBO negotiation a...
by mrgeeze
Fri Jun 08, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?
Replies: 150
Views: 23448

Re: Buffett says Bonds are a terrible investment now. What should we invest in besides stocks?

visualguy wrote:
Sat May 19, 2018 12:07 am
rjb112 wrote:
Fri May 18, 2018 10:21 pm
So what should we invest in besides stocks?
Direct real estate - rental properties.
No easy money here.
Rental properties take time and effort.
They often return a lot less than their proponents state.

If you know this business, perhaps.
If you don't - look elsewhere
by mrgeeze
Fri Jun 01, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18246

Re: Top Shelf Liquor Overrated?

Liquor is overrated. Blasphemy! Personally some better booze works better for me. A Hendricks Martini just tastes smoother than one with Bombay Sapphire. Blanton's over a cube tastes better to me than Makers Mark I'm a little less picky on a mixed drink but one can notice the difference. Maybe I've...
by mrgeeze
Thu May 31, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Pueblo, CO area places to live
Replies: 12
Views: 1487

Re: Pueblo, CO area places to live

That whole front range is becoming a traffic parking lot from south of the springs to ft collins. Won't be long till it ensnares Pueblo. Maybe it already has. Even with you going against normal commute traffic, I'll bet you'll experience regular snarls from CS to Pueblo. Its getting like Washington ...
by mrgeeze
Tue May 29, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy into this medical practice?
Replies: 26
Views: 3169

Re: Should I buy into this medical practice?

Personally I would pass. At least be very careful I may be optimistic but the spiraling cost of healthcare may well get addressed during your lifetime That puts the current cost of all kinds of imaging tests clearly in the crosshairs. Those ever upward costs are the revenue that provide your returns...
by mrgeeze
Tue May 29, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1492

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

For selling, the best possible way to show a house is totally empty with fresh paint and carpet/flooring. Carpet , caulk and paint, make it what it ain't. Valuable info for selling a house. As a minimum remove as much stuff as you can from the main living space and stuff it somewhere else. The best ...
by mrgeeze
Tue May 29, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Lawyer instead of buyer's real estate agent? Experience anyone?
Replies: 54
Views: 5596

Re: Lawyer instead of buyer's real estate agent. Experience anyone?

You can do it but it probably won't save you much if any money. Most sellers contracts dictate the 6% and if there's no buyer's agent the seller's agent gets more. You might get 1%, MAYBE 1.5%. Unless you find a FSBO home. Not anymore! The internet and the likes of Zillow, etc are reducing the 6% o...
by mrgeeze
Tue May 29, 2018 1:27 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7903

Re: Advice on neighbor not keeping up his property...

Home ownership, what goes on within the 4 boundaries of the property line is the business of the homeowner, not the neighbor. Unless there is a true violation of town code or an immediate hazard to life and limb, you are going to need to learn to enjoy the view. Removing limbs from his property bec...
by mrgeeze
Mon May 28, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Considering iPad to replace failing Nexus tablet
Replies: 60
Views: 4656

Re: Considering iPad to replace failing Nexus tablet

I have an iPad and have been disappointed. It drops wifi randomly. This seems to be a common problem on iOS devices. Not really. Not common at all. According to the rest of the internet. At least the tech sites specializing in such reporting. I wander android,ios,mac os, win and linux. for the pad ...
by mrgeeze
Mon May 28, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Cheapest ways to watch NBA playoffs
Replies: 37
Views: 3178

Re: Cheapest ways to watch NBA playoffs

Alexa9 wrote:
Sun May 27, 2018 7:10 pm
Youtube TV - free 2 month trial
+1
by mrgeeze
Sat May 26, 2018 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: medicaid as early retirement medical insurance (or maybe Obamacare)
Replies: 41
Views: 4001

Re: medicaid as early retirement medical insurance (or maybe Obamacare)

So far the ACA has been very good to me as an individual and very terrible to me as a taxpayer. My wife and I are both 59. In my state (NC) we manage our income (mostly investments) via tax harvesting to keep our MAGI under the ACA cliff. We purchase the cheapest bronze plan (with HSA) and it we pay...
by mrgeeze
Tue May 22, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 1169

Re: Vanguard iPad App

I tried out their iPad app and was thoroughly underwhelmed with the app. So, I deleted the app. I feel much of Vanguards client facing stratedgery (website, ios app) retains that last-century look and feel. Some might call it "classic". Others might call it stodgy. When traveling, where I mostly us...
by mrgeeze
Tue May 22, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11573

Re: Career planning in IT/software development when over 40

One more thought. Assuming your lifestyle will allow it,perrhaps you can get a security clearance beyond TS. This means regular poly's and your dope smoking days are over. A real clearance and a good brain tuned to IT will most likely keep you employed the rest of your life. Its really unlikely DOD/...
by mrgeeze
Mon May 21, 2018 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11573

Re: Career planning in IT/software development when over 40

If someone said "MVC" to me in real life I'd ask them what rock they'd been working under for the past decade. Instead I'd ask them about event bubbling, live binding, and shadow DOM manipulation. I think it is a mistake for most developers to stay at the same company for more than five or six year...
by mrgeeze
Mon May 21, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4911

Re: Buying a Vacation Rental Property as an Investment

Owning any rental property is a JOB. Owning a vacation rental property is more of a job There is no free lunch here. If you gross 10% of property cost per year you are very lucky. With that you can just about afford to pay your mortgage (20 years, 25% down) after expenses. You can't believe all the ...
by mrgeeze
Sun May 20, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 11573

Re: Career planning in IT/software development when over 40

I worked as a free lance software developer for 15 years till I mostly retired 3 years ago at age 57. Currently I do a little C# work for an engineering/manufacturing firm. Very part time. I would suggest you really focus hard on the db/Sql arena. Notwithstanding todays "flavor of the week" approach...
by mrgeeze
Fri May 04, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Rental Property as Investment
Replies: 12
Views: 778

Re: Rental Property as Investment

Bad Idea. Suppose, for arguments sake: you get paid 7%+- of monthly rent for your services you get paid one months rent every time you find a new tenant you recognize this is a job, especially when a pipe freezes sunday morning. you have a list of qualified,fast responding tradesman- the ones you wa...
by mrgeeze
Sat Apr 28, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Nomadic lifestyle in their 50s
Replies: 101
Views: 11771

Re: Nomadic lifestyle in their 50s

I would strongly suggest you NOT start by spending 50-150k on a camper van. Its just too much $$$ for something you may quickly find is not for you. Instead I would suggest you spend 10K+- on a used conversion van. Drive that around for a few years and decide where to go from there. If you don't lik...
by mrgeeze
Thu Apr 19, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for ACA ? [Colorado]
Replies: 17
Views: 1699

Re: Applying for ACA ?

Manage your taxable income… If you go a dollar over the subsidy income limit, you are not eligible for a subsidy. This is very true. Also, if there's no way to keep your income under the subsidy limit you should price plans directly from the insurance companies too. There may not be any advantage t...
by mrgeeze
Tue Apr 10, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Selling gold coins
Replies: 5
Views: 528

Selling gold coins

I have a handful of silver and gold US coins.
Gold includes 1oz gold coins
Don't think they have any collector value, mostly the value of the metal

What is the best way of selling them?

Thanks
by mrgeeze
Sun Apr 08, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Can Big Tech Stocks Grow Without Limits?
Replies: 38
Views: 3479

Re: Can Big Tech Stocks Grow Without Limits?

Yep. "It's different this time." Whenever someone says that, they're always right. Always. Definitely an odd time. Microsoft is 27 times earnings. Apple is 15 or 16. Amazon is 300 times earnings. For tech stocks my conventional wisdom is MSFT is a tad high, AAPL is undervalued and AMZN is snake oil...
by mrgeeze
Sun Apr 08, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How do you estimate your home's market value?
Replies: 53
Views: 4005

Re: How do you estimate your home's market value?

We use Zillow's estimate minus ~10% to account for selling fees, last-minute repairs prior to selling, etc. +1 10% less may be conservative. depending on deferred maintenance, you might need more. don't forget , a typical sale (realtor, etc) will take a good 5-8% to get done. also remember that rea...
by mrgeeze
Thu Apr 05, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Creative home financing?
Replies: 2
Views: 390

Re: Creative home financing?

not sure why you insist on funding the build 100% before starting.

get a note on the new build.
put 250 down, maybe less

pay it down when you sell the old house.
pay it off when you can/like.

if its $800k before you break ground, budget for a million.
by mrgeeze
Sun Mar 18, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Rent in Retirement
Replies: 35
Views: 3896

Re: Rent in Retirement

Dump the house.
You have too much costs.

Assuming you don't live in SF or some other ultra high rent neighborhood 1500-2500 should get you a decent monthly rental.
Add 500-1000/month for utilities and you're about half what you are now +-.
by mrgeeze
Sat Mar 17, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Best places to buy board shorts and sunglasses
Replies: 13
Views: 1335

Re: Best places to buy board shorts and sunglasses

I like Oakley. I've heard nothing but good things about Maui Jim. At the upper end, Luxottica has a quasi-monopoly on sunglasses. Costa Del Mar is what you see most fisherman wearing. I mostly hang out with fishermen, so I see a lot of Costa's. I wouldn't have anything else. $1-200 bucks will get y...
by mrgeeze
Sat Mar 17, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4318

Re: What is your favorite reasonably priced Rum?

My kind of thread..... :) A friend got me into good dark rums and weaned me off bourbon. Generally we follow a few rules (with exceptions): - "mainland" rums are better than island rums - black or dark rums are superior to amber or white/silver - aging in bourbon barrels (or sherry or brandy) is a ...
by mrgeeze
Sat Mar 17, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Backpacking in Guatemala and El Salvador?
Replies: 31
Views: 3208

Re: Backpacking in Guatemala and El Salvador?

The safest countries in Central America are 1. Nicaragua 2. Costa Rica The most dangerous countries in Central America are 1. Honduras 2. El Salvador Guatemala can be very dangerous too, especially outside of Xela and Antigua in areas where there are a lot of tourists. I would not visit El Salvador...