Search found 598 matches

by Small Law Survivor
Tue Dec 04, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Re: Robot Vacuum Cleaner?

. . , after 2 or 3 months of full bins in minutes it has finally made a difference. Feels like there is less dog hair everywhere now. It will now finally vacuum the entire day we're at work and the kids are at daycare without filling up the bin. You'd be surprised how much stuff it picks up underne...
by Small Law Survivor
Mon Dec 03, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Re: Robot Vacuum Cleaner?

corn18 wrote:
Sun Dec 02, 2018 10:14 pm
Thanks to this thread, I have a eufy 30 on the way from Amazon. Should be here Wednesday.
Good move - I'm not into gadgets, but so far this is one I'm glad I have
by Small Law Survivor
Sun Dec 02, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Re: Robot Vacuum Cleaner?

start here: https://thewirecutter.com/reviews/best-robot-vacuum/ Wirecutter recommended the Eufy RoboVac 11S. I got it from AMZN for $200, and after a few days I'm quite impressed. It cruises around in a random pattern and cleans very nicely - I know because I empty it after each use, and it's full...
by Small Law Survivor
Sat Dec 01, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 3829

Re: Best new Mac/features for 2000-3000

Reading this thread prompts this question: I have a 2010 MacBook. I will replace it soon, probably with a Macbook Air, since the new Airs seem to fit my needs. But - I have vision challenges, and I need to use the Macbook with an external monitor. When I go to the Apple store I see the iMac displays...
by Small Law Survivor
Wed Nov 28, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

TomatoTomahto wrote:
Tue Nov 27, 2018 1:32 pm
What do you need the cursor for?

ETA: i guess if you use multiple inputs you might need it, but on the TV with multiple inputs I use a Harmony remote.
I wish I didn't need a cursor, but it's popping up non-stop. I think, perhaps, I have not mastered this TV yet. But, I wish I didn't have to.
by Small Law Survivor
Tue Nov 27, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

Second, as hard as I try (and search for guidance online), I can't get the LG "Magic Remote" (oh, please ...) to pair with the Verizon FIOS set top box (made by Motorola). So, at this point we're still using two remotes. I made my FIOS remote the master remote; put the LG remote in a drawer. It's e...
by Small Law Survivor
Tue Nov 27, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

Well, we did get an LG OLED 55" at COSTCO. Pleased with it so far, although I'm wondering if we should have gotten a 65". Given how heavy these TVs are, I'm not sure we could physically handle a TV that large. I have a few complaints at this point (three days in) - First, the damn thing is constantl...
by Small Law Survivor
Mon Nov 26, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

munemaker wrote:
Sun Nov 25, 2018 11:34 pm
Small Law Survivor wrote:
Fri Nov 23, 2018 10:16 am
We purchased our first and only flat screen TV sometime in the early 2000s - a 43" Toshiba REGZA. However, for some reason it has not held up
You have had this TV for 15 years and say it has not held up? What kind of life do you expect?
Ummm ... is forever minus a day to much to ask for?
by Small Law Survivor
Mon Nov 26, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Re: Robot Vacuum Cleaner?

squirm wrote:
Mon Nov 26, 2018 11:30 am
Wouldn't it be most economical to just pull out the vac once a month and do just do a quick twenty minute vacuum?
We actually vacuum weekly. It's easily a one hour job, to do it right. The robot vacuum would supplement that.
by Small Law Survivor
Mon Nov 26, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Re: Robot Vacuum Cleaner?

I've been researching this today because my wife would like one. I've been looking at the eufy 30 for $200 on Amazon as Wirecutter suggests (https://www.amazon.com/eufy-Upgraded-Super-Thin-Self-Charging-Medium-Pile/dp/B07D78Y5TN). We vacuum the house every 1-2 weeks with a nice Dyson vacuum and hav...
by Small Law Survivor
Mon Nov 26, 2018 8:37 am
Forum: Personal Consumer Issues
Topic: Robot Vacuum Cleaner?
Replies: 62
Views: 4745

Robot Vacuum Cleaner?

We have a monthly maid service. And, we have a Golden Retriever that sheds a lot. My wife recently said that monthly is not enough - she said we need twice monthly, or perhaps every three weeks. Since her concerns seem to center around the build up of dog hair (which is difficult to see but amazing ...
by Small Law Survivor
Sun Nov 25, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Draw Question
Replies: 32
Views: 2910

Re: Social Security Draw Question

Isn't it interesting (odd) that "Social Security Solutions," to which I paid a $124 fee, told me that the best strategy was for me to wait until ago 70 to claim social security (and wife to claim spousal benefit), whereas the Open Social Security calculator referenced above recommends that this occu...
by Small Law Survivor
Sun Nov 25, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Make too much for Roth IRA help!
Replies: 16
Views: 1751

Re: Make too much for Roth IRA help!

I recently asked my accountant to help me figure out what my taxes would be on various tIRA to Roth conversions. She send me several pro forma 1040s, and when I looked at the AGI I saw that I was dangerously close to hitting hitting the contribution limits at even the lowest number I was planning t...
by Small Law Survivor
Sun Nov 25, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Make too much for Roth IRA help!
Replies: 16
Views: 1751

Re: Make too much for Roth IRA help!

I recently asked my accountant to help me figure out what my taxes would be on various tIRA to Roth conversions. She send me several pro forma 1040s, and when I looked at the AGI I saw that I was dangerously close to hitting hitting the contribution limits at even the lowest number I was planning t...
by Small Law Survivor
Sat Nov 24, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Make too much for Roth IRA help!
Replies: 16
Views: 1751

Re: Make too much for Roth IRA help!

I did the same thing - my wife and I both made Roth IRA contributions earlier this year. However, I recently asked my accountant to help me figure out what my taxes would be on various tIRA to Roth conversions. She send me several pro forma 1040s, and when I looked at the AGI I saw that I was danger...
by Small Law Survivor
Sat Nov 24, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

Thank you all, this has been very helpful to me.

Small Law Survivor (OP)
by Small Law Survivor
Sat Nov 24, 2018 8:04 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

Re: New TV Recommendations Please?

OLED is the latest technology and is widely considered to have the absolute best picture quality. Downsides are they are more expensive, the risk of burn in from static images left on the screen for a prolonged time, and they are generally not as bright as LED TVs. Picture quality also does not deg...
by Small Law Survivor
Fri Nov 23, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5420

New TV Recommendations Please?

We purchased our first and only flat screen TV sometime in the early 2000s - a 43" Toshiba REGZA. However, for some reason it has not held up - there is no definition in "dark" scenes. We strain to see objects and people in night scenes, for example. Last night my wife said, "tomorrow's black Friday...
by Small Law Survivor
Wed Nov 21, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?
Replies: 21
Views: 2238

Taxable Account in Retirement: What Is Reason to Direct Dividends to MM for Spending/Not Reinvest?

All my long investing life I've reinvested dividends in mutual funds. Reinvested dividends are a significant contributing factor in compound interest statistics I've seen. If you don't reinvest, that money doesn't compound, which seems like a good argument for reinvesting. However, I'm retired now, ...
by Small Law Survivor
Wed Nov 21, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

But again... no panic... this is NOT a correction year so far, just a bit of choppy water. If foregoing inflation this year makes you feel good, go for it, but this really should be the extent of your adjustment. The worst reaction to difficult times is to overreact. Stay cool and take time to esta...
by Small Law Survivor
Wed Nov 21, 2018 9:22 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

Shallowpockets wrote:
Wed Nov 21, 2018 7:50 am
When people take their 4% withdrawals, do they take it all at once or piecemeal throughout the year?
Paul Merriman says that he does it once in January - so far we've followed his example.
by Small Law Survivor
Wed Nov 21, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

SmallLaw...Is it possible you are over-thinking this? You decided on 4% withdrawal. I assume that is inflation adjusted. Why not just forego the inflation adjustment in a down year? Kitces has written about this....small spending cuts along the way are quite effective in preserving your nest egg. I...
by Small Law Survivor
Wed Nov 21, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

if you go to: http://livingoffyourmoney.com/ you can download the first 3 chapters of McClung's book for free. Chapter 3 is one of the best and is titled: Surveying and Selecting an Income Harvesting Strategy where he provides a dozen or so withdrawal strategies with backtested results and identifi...
by Small Law Survivor
Wed Nov 21, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

OP, may I point out that the market really didn't go south very much this year (as of today!). Details depend on your stock exposure and your domestic/international split, but I'd be surprised if your own portfolio went down by more than 5% in 2019 (that is, without accounting for withdrawals & dis...
by Small Law Survivor
Wed Nov 21, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

Re: How to Withdraw Money in Retirement, Following a Down Year

What precisely do you mean when you say "withdrawing 4%"? Are you withdrawing 4% of the previous year's portfolio balance? No, I retired at 65, and I am more or less following the "traditional" 4% rule (4% of portfolio as of 12/31/2016) until age 70, and which point social security will push that d...
by Small Law Survivor
Tue Nov 20, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: How to Withdraw Money in Retirement, Following a Down Year
Replies: 58
Views: 5421

How to Withdraw Money in Retirement, Following a Down Year

2019 will be my third full year of retirement. 2016 and 2017 were up years for stocks, and I had no problem withdrawing money to spend in 2017 and 2018. However, 2018 may be a down/flat year, and I'll be confronted with this decision for the third time in January 2019. I am withdrawing 4% from a tax...
by Small Law Survivor
Sun Nov 18, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: Navigating Venice Italy Transportation System
Replies: 19
Views: 1407

Re: Navigating Venice Italy Transportation System

Just got back from a few days in Venice (month ago, before flooding), and I agree with all the comments here - using the water taxis is the way to go, or just walking. We walked quite a bit, and used Google Maps on a cell phone to find our way around the city - that worked perfectly. Amazing that Go...
by Small Law Survivor
Sat Nov 17, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?
Replies: 12
Views: 1164

Re: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?

I'm not sure what the easiest/simplest way to address this is - 1 Rechar the Roths now, see what MAGI is early next year, and then contribute a second time in accordance w/t rules, or 2 Do nothing this year, wait to see what the MAGI turns out to be early next year, and then rechar the necessary amo...
by Small Law Survivor
Sat Nov 17, 2018 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?
Replies: 12
Views: 1164

Re: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?

I haven’t actually done it, but recharacterizing should be very simple, either a short phone call or filling out a form. Vanguard procedure: How to request a recharacterization Start by calling us at 800-205-6189—one of our experienced retirement specialists may be able to complete your recharacter...
by Small Law Survivor
Sat Nov 17, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads On Investing" podcast stats and more
Replies: 21
Views: 1710

Re: "Bogleheads On Investing" podcast stats and more

I'm really enjoying them - have downloaded all three. Please keep this going - it does take a while to build up a podcast audience, and I think the number you are showing for the first few shows are actually quite promising. And, do note that many people listen via streaming, and don't download, so ...
by Small Law Survivor
Sat Nov 17, 2018 11:29 am
Forum: Personal Finance (Not Investing)
Topic: How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?
Replies: 12
Views: 1164

How Much of a Hassle is it Going to be to Roll Back 2018 Roth Contributions?

My wife and I each contributed $6,500 to our Roth IRAs early this year (we are over 50). However, it has suddenly dawned on me that our modified AGI may exceed $189,000 this year. Whether it will or not depends on things outside our control - specifically Vanguard year-end distributions. In other wo...
by Small Law Survivor
Wed Nov 14, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1190

Re: Best Gutter Guard?

Hmmm ... I guess my biggest take-away from this thread, and the longer thread, is the risk of ice dams. This has been a real problem, and I'm concerned about making that worse.

Thank you all for your observations!
by Small Law Survivor
Tue Nov 13, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1190

Re: Best Gutter Guard?

Nicolas wrote:
Tue Nov 13, 2018 10:18 am
There is already a long thread on this topic here: viewtopic.php?t=197579
Yes, thanks - I see that the foam-style guards don't get much support on that thread.
by Small Law Survivor
Tue Nov 13, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1190

Best Gutter Guard?

We live in a contemporary in New England, surrounded by many, many trees. The front of the house is a very large roof that drains water into a gutter that I am quite sure is not able to handle the water flow. And, when the gutters are full of leaves or clogged, it is much worse. I'm thinking that on...
by Small Law Survivor
Mon Nov 12, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Financial Engines thru Vanguard
Replies: 14
Views: 876

Re: Financial Engines thru Vanguard

I have tried it through Vanguard, and found it defective (doesn't import accounts correctly), difficult to use and generally unhelpful.
by Small Law Survivor
Sun Nov 11, 2018 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Massachusetts Estate Tax
Replies: 8
Views: 1148

Re: Massachusetts Estate Tax

I live in Massachusetts also. I'd really appreciate a good resource that explained the Mass estate tax.
by Small Law Survivor
Sat Nov 10, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 301
Views: 45793

Re: Whats your number to walk away?

averagedude wrote:
Sat Nov 10, 2018 10:10 am
25 times my expense, including taxes and healthcare.
Me too
by Small Law Survivor
Thu Nov 08, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: How much money are you leaving your kids after you die?
Replies: 234
Views: 15000

Re: How much money are you leaving your kids after you die?

Some disorganized thoughts on this topic - This is a significant issue for us. I'm 67, wife 66. If we died tomorrow our unmarried 24 year old daughter (only child) would inherit close to $6MM in Vanguard funds invested in tIRAs, Roth IRAs, taxable accounts, variable annuity and mortgage free house. ...
by Small Law Survivor
Thu Nov 08, 2018 8:59 am
Forum: Personal Consumer Issues
Topic: Trying to Understand How Top Sealing Damper Would Work With Chimney With Two Flues
Replies: 1
Views: 131

Trying to Understand How Top Sealing Damper Would Work With Chimney With Two Flues

We have a chimney with two flues - one from a first floor fireplace, and one that goes down to a free standing wood stove directly below the fireplace, in the basement. The wood stove sits on a raised brick hearth and is connected to the flue by a stovepipe into the wall. There is no cap on this chi...
by Small Law Survivor
Wed Nov 07, 2018 11:01 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman 2 Funds for Life
Replies: 41
Views: 7277

Re: Paul Merriman 2 Funds for Life

I'm wondering whether Total World + Small Cap Value isn't a better blend? it would get rid of the 10% bonds that the long target date funds have. I realize it would not adjust automatically with time, but that could easily be accommodated by introducing a total bond market or intermediate treasury a...
by Small Law Survivor
Wed Nov 07, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

I looked at YNAB but went with Moneydance because I care less about budgeting and more about actual spending. I use Google sheets to do investment tracking and tax projection, etc. I, too, just want to track spending. I am being reminder, forcefully, that YNAB is overkill for what I'm doing. Howeve...
by Small Law Survivor
Tue Nov 06, 2018 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

Won't even run too much longer. Mojave will be the last version of macOS to support it. Oh man, ... that is bad news. They are forcing me to upgrade! I need to find an alternative, since as several people have pointed out, I'm not even using the core YNAB functionality. On second thought - I am pla...
by Small Law Survivor
Mon Nov 05, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

nolesrule wrote:
Sun Nov 04, 2018 10:58 am

You can speed YNAB up periodically by compacting the data. Just make sure all your devices that use it have synced first. Ctrl+Shift+C
Ctrl-Shift-C doesn't appear to do anything on my MacBook ....
by Small Law Survivor
Mon Nov 05, 2018 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

In the case of the OP, where YNAB is not even used for budgeting. I would just switch to Mint.com, which is free and web based. I used Mint back before I started with YNAB - 2013 or earlier, and it seemed very lame. Did it improve significantly after that? With YNAB 4 I can say, "what did I spend o...
by Small Law Survivor
Mon Nov 05, 2018 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

I want to like nYNAB but I've stuck to Classic for a few reasons, but also I've found that Classic freezes (basically crashing) much more frequently on macOS as macOS updates continue since YNAB isn't proving bug fixes and other updates for that client. (I'd prefer some kind of Google implementatio...
by Small Law Survivor
Mon Nov 05, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4152

Re: Mice [updated- not a mouse]

JoeRetire wrote:
Mon Nov 05, 2018 10:09 am

Your wife mistook a squirrel for a mouse?
Indeed she did - she saw it for an instant at 3:00 in the morning before it disappeared under some furniture. She did say it looked like a large mouse, so there was some uncertainty until it fully emerged the following evening :happy
by Small Law Survivor
Mon Nov 05, 2018 9:18 am
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4152

Re: Mice [updated- not a mouse]

HereToLearn wrote:
Sun Nov 04, 2018 11:18 pm
Is your chimney cap firmly in place?
Well, I have two chimneys - one has a cap, one doesn't. Guess I'd better get the second one installed. :oops:
by Small Law Survivor
Mon Nov 05, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 2927

Re: Is Cloud-Based YNAB Worth It?

To be clear, I am still using YNAB 4
by Small Law Survivor
Sun Nov 04, 2018 7:33 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4152

Re: Mice [updated- not a mouse]

UPDATE: Well, it was not a mouse - it was a small/baby squirrel. The squirrel must have been hiding all day, but it appeared this evening. After chasing it around the house with my pond fish net in hopes of catching it (nope), it finally ran ran upstairs and into a small room that had a sliding glas...
by Small Law Survivor
Sun Nov 04, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance
Replies: 10
Views: 1346

Help Me Get Rid of Chubb/Reduce Cost of Homeowners Insurance

I have had Chubb for years - many, many years. A few years ago I moved our policies to a new broker, and they inherited my Chubb policies. However, I've come to realize that this broker has very little experience with Chubb. Earlier this year (February renewal date) I tried to get the broker to redu...