Search found 284 matches

by Shallowpockets
Mon Dec 11, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Can/Should early retiree avoid ACA tax credits?
Replies: 34
Views: 2057

Re: Can/Should early retiree avoid ACA tax credits?

Even if the difference between ACA insurance and open market insurance set you back 10-20k per year, your contribution would pale in comparison to the devious manipulation of tax code by other individuals and corporations who actively seek out obscure parts of the tax code to enrich the themselves b...
by Shallowpockets
Sun Dec 10, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5538

Re: Interesting ride so far - Crypto-curriencies

Back in the day. You could have held a tulip in your hand. It could have been worth less or more.
by Shallowpockets
Sun Dec 10, 2017 12:34 pm
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 38
Views: 2208

Re: likely date for a bitcoin crash: does this make sense to you?

I feel kind of successful with money also. So if you ask me about Bitcoin I can point out a few things also. Like your friend. February. Sandhill cranes start their migration north. July. Barbecue sales go up. May 1915. The Lusitania sunk. August 26, 1883. Krakatoa erupted. September 20, 2107. I got...
by Shallowpockets
Sun Dec 10, 2017 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 92
Views: 6616

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Does you husband share in this concern? Perhaps you should let him read your post. I suspect that part of your achieving what you want may be related to not moving residences as much. That can be tough to have any kind of routine if you are always coming or going or planning on that. Plus, there is ...
by Shallowpockets
Sun Dec 10, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: carefirst or Kaiser Rockville Md
Replies: 19
Views: 845

Re: carefirst or Kaiser Rockville Md

I have Kaiser Advantage. This is in Colorado. I am on Medicare and the premium I pay for the plan I chose cost me only the regular Medicare monthly cost that all Medicare people pay. I am covered Part A/b/d. Kaiser is an easy way to go. Plenty of clinics. Easy to get an appointment. You know before ...
by Shallowpockets
Sun Dec 10, 2017 8:34 am
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 2809

Re: Why Are So Many Companies Announcing Share Buyback?

So the theory is that stock buybacks boost the stock price and this rewards shareholders. Is there any data on this? How much of a boost are we talking about? If such a thing is true one could just by the stock ahead of the announced buyback and profit on that move. Unlike a dividend which is suppos...
by Shallowpockets
Sun Dec 10, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Bitcoin futures - trading them is good?
Replies: 8
Views: 833

Re: Bitcoin futures - trading them is good?

To Valuethinker. I thought the futures would be going out only to January and February. That is more of an option timeframe than a future. I have never traded futures, just optiions. I though they were essentially the same thing, excepting farther out. From what you say, there is no way to close out...
by Shallowpockets
Sat Dec 09, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin futures - trading them is good?
Replies: 8
Views: 833

Re: Bitcoin futures - trading them is good?

Thanks for that reply. No one yet has access to any of this. On Monday I will see if I can find some hard numbers. I am sure there will be reporting on it. I am better with hard numbers than esoteric formulas. Caution is certainly advised. I was surprised on the other Bitcoin threads that people had...
by Shallowpockets
Sat Dec 09, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: Why Are So Many Companies Announcing Share Buyback?
Replies: 32
Views: 2809

Re: Why Are So Many Companies Announcing Share Buyback?

Stock buybacks are certainly not trickle down. They help us Bogleheads, but not the workers. And most workers are probably not BHs at a significant level. It is a numbers game, played on paper. Seems if they invested in the company and the workers, as in wage increases, they would foster the economy...
by Shallowpockets
Sat Dec 09, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: "Financial Shock" wealth
Replies: 33
Views: 6061

Re: "Financial Shock" wealth

Fires in California. I am thinking there is some financial shock there. Could you take the financial shock of losing your home entirely like that? All the peripheral costs associated with that? Not only your home, but still having to work, etc.
I think I could financially handle that.
by Shallowpockets
Sat Dec 09, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10170

Re: Save all this money, what do you splurge on?

Having just did the math on my $$ stuff I see I am up 20% overall for the year today. That makes me think I can probably afford the airfares that I thought were too expensive for my frugal tastes. I travel a lot and this will expand my range or options to more remote destinations. Now, once there I ...
by Shallowpockets
Sat Dec 09, 2017 11:25 am
Forum: Investing - Theory, News & General
Topic: Bitcoin futures - trading them is good?
Replies: 8
Views: 833

Bitcoin futures - trading them is good?

Another Bitcoin thread. Just for fun. Sunday night Bitcoin futures are happening. Thinking about this I came up with the following speculation. Using AMZN as basis I came up with some possible figures to consider. AMZN is a much traded stick of high valuation. The options chains are traded heavily. ...
by Shallowpockets
Fri Dec 08, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: What do Bogleheads say when they don't want to spend money?
Replies: 103
Views: 5297

Re: What do Bogleheads say when they don't want to spend money?

I find that not wanting to spend the money usually comes up when dealing with other people, maybe friends, who are not as cognizant of a more reasonable approach to money. This is only when I am involved in some way and my money is at stake. Such as eating in restaurants. Maybe I say I don't want to...
by Shallowpockets
Fri Dec 08, 2017 8:04 am
Forum: Investing - Theory, News & General
Topic: Call the top! - Bitcoin
Replies: 50
Views: 3512

Re: Call the top! - Bitcoin

Whatever the price is today. Josh Brown CNBC did a foray into Bitcoin and it seems that it takes a week or so to actually get the trade through to your account. Although the futures market opening up next week will make for more interesting speculation. Anyone holding Bitcoin and having made 1-2-300...
by Shallowpockets
Thu Dec 07, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: 112K pension- need help w/the rest
Replies: 26
Views: 2369

Re: 112K pension- need help w/the rest

You said zero debt, zero mortgage. Yet you spend 170k a year. Even in HCOL that seems like a huge amount. Maybe it is just me down here in "regular land". That is something you could evaluate. Otherwise, be happy, a governemt pension of 112k is as good as it gets for pensions. Worried about the secu...
by Shallowpockets
Thu Dec 07, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: I received a speeding ticket via mail from IA - should I pay it?
Replies: 72
Views: 4799

Re: I received a speeding ticket via mail from IA - should I pay it?

Might as well pay it. Put it behind you. If you were guilty the it is of no consequence whether or it camera citations are legal. At least you can pay it. There are many who would find $100 a burden to pay. That is why you have your emergency fund. Camera tickets are one of those things that everyon...
by Shallowpockets
Wed Dec 06, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2067

Re: working in the oil fields as a mechanic.

Or maybe. You could look at the offshore oil fields, Gulf of Mexico. Then that housing situation will not be as much of a concern. You just have to be at the dock to go out for your stint offshore. Maybe 7 on, 7 off. Out on the boats or rigs you get your meals and lodging. You could live a longs way...
by Shallowpockets
Wed Dec 06, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: Was accidentally placed on Medicaid.
Replies: 16
Views: 1798

Re: Was accidentally placed on Medicaid.

If you are worried, just give them a call. Then you know you tried. I had an overpayment back from Medicare once. They had sent me a check and a few weeks later an electronic payment. I called to rectify and they had no mechanism to take care of it. Nothing. The woman said that she guessed I was ahe...
by Shallowpockets
Wed Dec 06, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Was accidentally placed on Medicaid.
Replies: 16
Views: 1798

Re: Was accidentally placed on Medicaid.

If you are now on ACA going forward and have corrected your income in regards to that you will be OK. I would not try and correct 2017 error now over the phone. Probably nothing to be done, now. When you file your taxes in the spring, they will have the mechanism in place to rectify the error. It is...
by Shallowpockets
Wed Dec 06, 2017 7:55 am
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2067

Re: working in the oil fields as a mechanic.

You are young. You seem to want to try this. You should. All the bad things people have written are true. It is a side of life many will never see or experience. You can do it with no commitments and the angst associated with various postings here about taking this or that white collar job. You can ...
by Shallowpockets
Tue Dec 05, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Dollar Store Hacks
Replies: 27
Views: 4381

Re: Dollar Store Hacks

The Dollar Store is a go to. It is the greatest thing since sliced bread. In fact their bread is really good. Multigrain, etc. Only comes in one day a week around here, and it is gone real fast. Otherwise just wander the aisles. Some canned goods can be cheaper in the grocery store. For the reasons ...
by Shallowpockets
Tue Dec 05, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: Lowering My Grocery Bill
Replies: 110
Views: 6966

Re: Lowering My Grocery Bill

We allot $250 month for groceries. We seldom go,over. We are two adults. We eat well. We have no food restrictions on our diet. We shop Safeway, King Soopers, Dollar Store, and Costco. This $250 does not include household - detergent, paper towels, etc. Does not include beer or wine. We never go and...
by Shallowpockets
Mon Dec 04, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: When & how much to donate?
Replies: 105
Views: 8031

Re: When & how much to donate?

Whatever you donate is up to you. $100 is fine. Anything is fine. What you don't want to do is donate to feel good about yourself. Or to tell others you donate. Or to take it off your taxes. Donate for the sake of contributing to someone or something that needs it. Even giving to a homeless person o...
by Shallowpockets
Mon Dec 04, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Hard time deciding how much to spend on rent
Replies: 24
Views: 1390

Re: Hard time deciding how much to spend on rent

Don't overthink it. What's the big deal. You are not buying. Just make the move. Try it out. Probably a one year lease. Not that great of a commitment at your age. Perhaps also you should read up on the stress and health research on those who commute. It is not good. Shake up your life a little. You...
by Shallowpockets
Mon Dec 04, 2017 8:56 am
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9192

Re: Regrets for taking SS at 62 or waiting?

I started SS at 66. The halfway point between 62 and 70. Retired at 65. I thought it was a good compromise on the when to take it question. I think the question of when is tied to whether or not you are working. How many are there that retire at 62 and wait verses those that work all the way through...
by Shallowpockets
Mon Dec 04, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: How do I convince my employees to invest more?
Replies: 92
Views: 5112

Re: How do I convince my employees to invest more?

OP, you stated you do not offer health insurance. That most of your emplyess have a working spouse and get their coverage that way. Perhaps the spouse is working solely for that reason. If you could swing health insurance for your employees that it would be a huge thing and would eclipse any 3% matc...
by Shallowpockets
Sun Dec 03, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: It's that time of year again... buying christmas gifts
Replies: 70
Views: 5694

Re: It's that time of year again... buying christmas gifts

We do not give any gifts and have made it clear we do not expect to get any. This was all verbalized. This took a couple years, but eventually people come round. You just have to put your foot down. Stick with it. There is a money aspect, but more so it is a relief of stress and buying or receiving ...
by Shallowpockets
Thu Nov 30, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Solid Surface Shower Walls and Pan
Replies: 11
Views: 1811

Re: Solid Surface Shower Walls and Pan

Just had ours done with the Onyx collection. Looks good. Shower pan is non skid. A big plus here. Had it done through Lowe's. Figured they vetted their contractors. Paid Lowe's upfront for whole job. Workers cut panels wrong, twice. So job took longer. Because of this Lowe's gave us $2300 cash back ...
by Shallowpockets
Tue Nov 21, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 46
Views: 4118

Re: Trip to Hawaii - what do I need to know

One thing you should know about Hawaii is the resort fees. They won't tell you about them until you check out. Then, hey, a whole new addition to your bill. Surprise! They are mandatory so you have no opt out option.
by Shallowpockets
Fri Nov 17, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help Advise with a Fidelity Managed (discretionary) Account
Replies: 17
Views: 1230

Re: Help Advise with a Fidelity Managed (discretionary) Account

I talked to Fidelity rep and when they made the pitch I asked for an example of what funds I might be in. They provided me with a sheaf of papers with greater than 30 funds. That is a whole lot more funds than I had and way below a simple BH fund family. Plus, many of the funds were maybe 5k-10k inv...
by Shallowpockets
Fri Nov 17, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about cash and retirement - isn't this really about market timing?
Replies: 38
Views: 3141

Re: Confused about cash and retirement - isn't this really about market timing?

Deciding how much cash you spend is easy if you keep records of your expenses. Many of us here have detailed expenses going back many years. As you approach retirement all that info comes into play. Personally I do have a cash hoard. But it is less than 10k. That gets replenished with SS by the mont...
by Shallowpockets
Fri Nov 17, 2017 5:18 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8843

Re: Tesla truck unnveil

Too bad they can't make a swappable battery pack. National truck stops like Pilot could have a bank of them. Sort of like swapping out my empty propane tank at Walmart. Could be a seperate trailer, right behind the cab. So cab, battery pack, load haul trailer. Then they just have to unhook and swap ...
by Shallowpockets
Fri Nov 17, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8843

Re: Tesla truck unnveil

Stock is up about $12 this AM premarket. Not a BH thing but when Elon Musk has an event like this you usually see this sort of price action. So if you had bought, even at the high $318, yesterday for 100 shares, you could probably get out this AM with $700. I know, I know. But not an investment, a t...
by Shallowpockets
Thu Nov 16, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: Retirement withdrawals - lump sums or piecemeal?
Replies: 4
Views: 562

Retirement withdrawals - lump sums or piecemeal?

How do you take your withdrawals? If you operate on on X$ per year, do you take it all out in one fell swoop or do you take it out as needed? What are your mechanics of that considering that it takes maybe a week to actually get the money where you can access it. It seems sometimes that withdrawal (...
by Shallowpockets
Thu Nov 16, 2017 8:49 am
Forum: Personal Consumer Issues
Topic: Upgrading a flight - what are your rules?
Replies: 40
Views: 3708

Re: Upgrading a flight - what are your rules?

Upgrade the seats for yourself and wife. Let the others go economy. Looks like two of you are only 5'2". That's an easy fit for an airline seat. Going Lufthansa to Munich at 10 hours coming up here. Looked into upgrade to premium Economy. It would be $335 each, one way. That is $35 an hour. More per...
by Shallowpockets
Sun Nov 12, 2017 5:30 pm
Forum: Investing - Theory, News & General
Topic: The Personal Black Swan
Replies: 46
Views: 5832

Re: The Personal Black Swan

Since so many (all) of our finances are tied into a system where we do not even have any physical possesion of our wealth/money, all it takes is a big problem with the grid to create a black swan. Look at Puerto Rico. No electric. You could, on paper have a lot of money, your emergency money, but it...
by Shallowpockets
Sun Nov 12, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Frontier Flight Fees
Replies: 17
Views: 1231

Re: Frontier Flight Fees

Funny you should ask. Just the other day I was looking at Frontier to try and find that info on bag, fees, etc. it was very tedious. Even clicking on "bag fees" did not bring me to an answer. I finally found something but I don't know how I got there. To me their a la carte pricing might be OK if yo...
by Shallowpockets
Sat Nov 11, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Jetted Tub: Maintenance and type
Replies: 8
Views: 805

Re: Jetted Tub: Maintenance and type

We had a jetted tub which was already in the house when we bought it, 25 years ago. Maybe we used it three times. You have to fill them up and by the time you get in the water is only warm. To me it was a total waste of time and water. Recently had a shower only put in. No tub. It is much better. We...
by Shallowpockets
Sat Nov 11, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 117
Views: 7802

Re: Do you meditate?

I do 20 breaths as my count between sets at the gym. So much better than watching a clock. Now, it may seem trivial, but I am very aware of my breathing and it is the only thing I do at those times. So while it may not classify as meditation, it is for me in snippets. Though I have never thought of ...
by Shallowpockets
Sat Nov 11, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 16804

Re: Flying first class, business, versus economy.

I always fly economy. That's part of the travel. You know what I do when the economy seat gets tough. I think of crossing the Altantic in a boat, like the Pilgrims. I think of crossing the country in a wagon train. I think of all those who have gone before me in their travels in much tougher means t...
by Shallowpockets
Sat Nov 11, 2017 10:46 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 76
Views: 5970

Re: Costco for tires and car insurance?

After reading this thread maybe I should shop around for car insurance. We have Ameriprise through Costco. For a long time. The reason I have not looked around is because the couple times we had to use the Ameriprise insurance, hail damage and one parking lot fender bender, we had excellent service....
by Shallowpockets
Sat Nov 11, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 107
Views: 11067

Re: Tipping for restaurants where you order at the counter

Probably #3 - BUT I do not have the situation of take-out at a "regular" type restaurant, but observe this when eating at some. At some places (such as Silver Diner in this area), I observe wait staff place the takeout order, get it after order complete, wrap/bag it and collect the payment. Such fo...
by Shallowpockets
Sat Nov 11, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9380

Re: Thouhgts about wearing a "uniform"/same thing everyday?

There is more than one side to this question. Working, retired, old young. There is always fashion even in the anti society group. You can be a slave to fashion or not. As you age or retire the requirements by society loosen up considerably. 67, retired now. I can wear anything I want. Or the same t...
by Shallowpockets
Sat Nov 11, 2017 9:02 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 6968

Re: Swedish Death Cleaning

The truth of the matter is that once you die no one cares about your stuff. Your relatives may go through it, they may save it. But, no one will really look at it too much, if ever, after the initial assessment. Pictures seem to be at the forefront of saving. No one cares. You can see that easily by...
by Shallowpockets
Fri Nov 10, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2877

Re: Bicycle wheels - what's a reasonable budget

Thanks for the "Rules". It was an enjoyable read. I think it used to be that way, now, not so much. Too many things intercede. Cell phones on the bike, lattes, white shorts, and tattoos. People have not hardened up (rule #5). Its trophy for everyone now. Most would not even read the rules now. Proba...
by Shallowpockets
Fri Nov 10, 2017 12:43 pm
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 590

Re: Switching from Medicare Advantage (Kaiser) to Medicare Part F

Raybo, your numbers were correct. I stand corrected.

I am glad that you found out about the switch and told us how it went. For those of us in an Advantage plan it helps to know that there was a way to change to another plan. Just in case.
by Shallowpockets
Fri Nov 10, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2877

Re: Bicycle wheels - what's a reasonable budget

You don't mention your age, but what you did say makes me think that you are in the older BH grouping. It is possible that you may never get any better or faster on the hills. Despite lighter wheels or a lighter you. Age can tend to do that. Since you are a rider already with many miles behind you, ...
by Shallowpockets
Fri Nov 10, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Switching from Medicare Advantage (Kaiser) to Medicare Part F
Replies: 11
Views: 590

Re: Switching from Medicare Advantage (Kaiser) to Medicare Part F

$170+20+70 = $260 plus your medicare premium (that's a wash) Do I have this right? that is the cost of the new plan. Minus your now extra premium of $92. So total added cost is $168 per month. $2016 extra per year. No copays or out of pocket with your new plan. Sounds good. However, in this day and ...
by Shallowpockets
Thu Nov 09, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2877

Re: Bicycle wheels - what's a reasonable budget

If you want to build those wheels.

The Bicycle Wheel. By Jobst Brandt

Will make your life easier.
by Shallowpockets
Thu Nov 09, 2017 6:57 pm
Forum: Personal Consumer Issues
Topic: Bicycle wheels - what's a reasonable budget
Replies: 48
Views: 2877

Re: Bicycle wheels - what's a reasonable budget

Well, you have talked to your cycle friends and the the LBS. Surely those people would have given varied and good advice. I usually mountain bike, many past race and triathlons. For my tri bike I got some HED carbon fiber deep rim wheels. In tris most of us think of wind resistance. Guess that is an...