Search found 32 matches

by Ron Swanson
Sun Aug 16, 2020 5:38 pm
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8286

Re: What Car Maintenance Do You Do?

Also needed a transmission flush recently. That went to a mechanic because I don't have the time/resources/desire to get involved in that complexity. Why? Time? What car make/model recommends a transmission flush ? At what mileage? Many manufactures recommend transmission fluid changes (replacement...
by Ron Swanson
Tue Aug 04, 2020 10:53 am
Forum: Personal Consumer Issues
Topic: What Car Maintenance Do You Do?
Replies: 162
Views: 8286

Re: What Car Maintenance Do You Do?

I do anything that's cheaper, easier, or faster than paying someone else to do, and I consider the time I'd need to spend calling, coordinating with, and bringing my car to a mechanic an expense. Things like bulbs, cabin filter, air filter, oil changes (unless I have a coupon), wipers, and basic rep...
by Ron Swanson
Fri May 22, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20669

Re: What is your most luxury/expensive hobby.

I'd say sailing, but to be honest the sailing part is actually free. It's the maintenance and storage that makes my money disappear!
by Ron Swanson
Sat Apr 04, 2020 9:01 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57597

Re: How to get Toilet Paper ? seriously.

An interesting explanation why hoarding isn't to blame for product shortages. Demand has moved from a mix of commercial and consumer, to almost entirely consumer. Supply chains are still catching up. We're aren't using more paper, just more at home. https://marker.medium.com/what-everyones-getting-w...
by Ron Swanson
Fri Apr 03, 2020 3:17 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 55403

Re: How Is Your Job Being Impacted By The Current Crisis?

I work in power plant operations. There have been some schedule changes within my team (moved to a week on/week off schedule), but luckily we've had no reduction in hours or pay. However, all personal time off has been cancelled, our spring maintenance outage is at risk of being cancelled, and our m...
by Ron Swanson
Wed Mar 18, 2020 2:58 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 196593

Re: Optimism amongst the panic and worry

I'm optimistic because: 1. When this is all over, I think we'll look back and realize how quickly we mobilized as a species to fight and (hopefully) cure this virus. Maybe individual areas were faster or slower to respond, but when was the last time the entire planet moved in unison towards one goal...
by Ron Swanson
Tue Mar 17, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Who is still going into work and why?
Replies: 41
Views: 2653

Re: Who is still going into work and why?

I work as an operator at power plant. Everything has been status-quo as far as my schedule is concerned.
by Ron Swanson
Mon Jan 20, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Need emergency car repair..what would you do?
Replies: 34
Views: 3495

Re: Need emergency car repair..what would you do?

Deleted after re-reading first post.
by Ron Swanson
Thu Jan 16, 2020 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Engineers - What are you making? ($$$)
Replies: 357
Views: 44295

Re: Engineers - What are you making?

Facilities Engineering (BS), finishing a Master in Engineering Management (MS). Operating Engineer (certainly not a "real" engineer) at a power plant in HCOL area. 12 hour rotating shifts, so many nights, weekends, and holidays. Base is about $140k. Bonus (5-10%) and OT (500-600 hours a year) push i...
by Ron Swanson
Sat Jun 29, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Basic LLC Questions
Replies: 10
Views: 925

Re: Basic LLC Questions

This sounds like a drop shipping operation. Not that I'm passing any judgement on that. Remember that if you do file a legal entity, it should be totally separate from your personal assets as not to "pierce the corporate veil." Ideally, an LLC should have it's own address and it's own contact info a...
by Ron Swanson
Wed May 29, 2019 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 18960

Re: Fun paid jobs after FIRE

If you're near water and like boating, being a launch driver at a nearby marina may fit your description. I've come across a few early retired launch drivers in the last few years.

People are generally in a good mood when heading out to their boat on a nice day.
by Ron Swanson
Sat Apr 06, 2019 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Hourly vs. retainer for a financial planner
Replies: 64
Views: 4101

Re: Hourly vs. retainer for a financial planner

I think what Rick described above makes the most sense, but if I', a potential customer, I think a straight hourly fee is easier to digest emtionally. Paying an hourly fee makes me feel like I am getting something for each hour's work. Paying a retainer up front makes me feel like I have to pay a co...
by Ron Swanson
Wed Mar 20, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Patent an idea and find investors.
Replies: 31
Views: 2197

Re: Patent an idea and find investors.

Keep in mind that by patenting something, you are essentially telling the world exactly what your invention is and how it works. There is no reason someone cannot take your patent, reverse engineer it, and change the product just enough so that it does not infringe the original patent. Also keep in ...
by Ron Swanson
Sat Jan 26, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Simple "Skype" Device for Video Chats???
Replies: 20
Views: 1484

Re: Simple "Skype" Device for Video Chats???

How about an iPad with Skype on it? I believe Apple's electron assistant, Siri can perform basic Skype commands like, "Siri, open Skype." Or even "Siri, call XYZ on Skype."
by Ron Swanson
Fri Jan 25, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Taking a Year Off
Replies: 36
Views: 4234

Re: Taking a Year Off

I've been following this thread with great interest as my wife and I have also been talking about taking a year to go sailing. We are in a similar situation to the OP, but a few years younger. Out of curiosity, what have other who have taken an extended leave from work done for insurance? It seems t...
by Ron Swanson
Sun Dec 24, 2017 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Help Me Fill Out a New W4 (getting married, multiple jobs)
Replies: 2
Views: 429

Help Me Fill Out a New W4 (getting married, multiple jobs)

Hi Bogleheads, I have a few changes coming in my life and am trying to understand how I should be filling out my W4's for 2018. Note, this is not a discussion about the upcoming tax changes for 2018. I am simply trying to understand how I can most closely match my withholding to my actual tax liabil...
by Ron Swanson
Thu Nov 16, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 1191

Re: Dive computer recommendations

I just bought an Aqua Lung i450t. It's not huge, but could be too big for what you are describing. I have only used it a couple times, but so far my only complaint is that it can be a pain to swap back and forth to the compass. It can also be set up with a transmitter on your octopus to read your ai...
by Ron Swanson
Tue Jul 04, 2017 9:23 pm
Forum: Personal Consumer Issues
Topic: Water bill outlier. Leaky Toilet help
Replies: 17
Views: 2302

Re: Water bill outlier. Leaky Toilet help

I have had this problem before, and had to replace the whole flush valve. If the seat of the flush valve is rough and scored the any flapper you put on will not seal correctly. The valves themselves are not expensive(maybe $15), and relatively easy to replace if you know your way around basic hand t...
by Ron Swanson
Tue Jul 04, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Unique adventure trip ideas - sailing?
Replies: 14
Views: 2144

Re: Unique adventure trip ideas - sailing?

https://www.wildernessscotland.com/adve ... s/sailing/

I have not been on this trip, but plan on doing it as part of my honeymoon next summer. Doesn't get much more adventurous than sailing the Scottish wilderness!
by Ron Swanson
Wed May 31, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8872

Re: Does anyone treat taxable as a "someday fund"?

Wow, everyone. Thank you for the thoughtful responses. In my mind, I would treat the taxable account completely separate from long term savings (do not include it in overall asset allocation). For simplicity sake I would like to invest in a single fund with a 60/40 or 40/60 split (something like Van...
by Ron Swanson
Wed May 31, 2017 5:34 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 8872

Does anyone treat taxable as a "someday fund"?

Hi all, I have been tossing an idea around my head and am curious how others feel. Let assume that between my 401(k), ROTH IRA, my wife's 403b, her ROTH IRA, and our HSA that we are able to save more than enough to do the things we plan on doing during retirement. Let's also assume that after paying...
by Ron Swanson
Sun May 22, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 5917

Re: WW2 Books & Education

Honestly I would go to Wikipedia and read the main article on WWII. From there decide how you want to go about reading. You could find books that walk you through the conflict in a linear timeline. Or, you could focus on the specific things that interest you (first hand accounts, battles, units, peo...
by Ron Swanson
Thu Apr 14, 2016 3:31 am
Forum: Personal Investments
Topic: Target Date or S&P 500, Total Int, and Total Bond?
Replies: 6
Views: 1337

Target Date or S&P 500, Total Int, and Total Bond?

Bogleheads, I have an issue I've been trying to work through, but I can't convince myself to feel confident about either option. My 401k offers an indexed S&P 500 fund, a Total International Stock Market, a Total Bond Market Fund, and multiple Target date Funds (among other funds). Below is my infor...
by Ron Swanson
Tue Mar 29, 2016 9:32 am
Forum: Personal Consumer Issues
Topic: Copper in Brake Fluid
Replies: 43
Views: 9400

Re: Copper in Brake Fluid

Brake fluid is very hygroscopic (it absorbs water easily), and definitely needs to be changed occasionally. Might be kind of a cop out of an answer, but do whatever the manufacturer recommends. There should be a maintenance schedule listed in the owners guide.
by Ron Swanson
Tue Mar 22, 2016 3:26 pm
Forum: Personal Consumer Issues
Topic: Cumberland Farms SmartPay Card
Replies: 2
Views: 698

Re: Cumberland Farms SmartPay Card

Smart pay is pretty much the only way I pay for gas now, and I see no reason to go back. Can't remember is there was a "hard pull" credit inquiry, but I remember it being very easy to sign up for, so my guess would be there was none. I've always used the smartphone app and never signed up for the ca...
by Ron Swanson
Thu Feb 18, 2016 11:24 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 288
Views: 37813

Re: What video games are you currently playing?

I play (probably too much) Company of Heroes 2. Always had a thing for RTS games. Also just started playing a game called Naval Action. It's still in alpha, but very fun and has lots of potential once completed. Who doesn't love sailboats, and cannons, and pirates? I also love Half-Life 3. Hands dow...
by Ron Swanson
Tue Feb 09, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 4270

Re: Internet becoming "Small"

While I understand the premise of what you're saying (good content can be hard to find sometimes), I do believe that there is an entire world worth of things to watching and reading online. A few suggestions of things I do online that I enjoy... 1. Go to Wikipedia and read the article of the day, or...
by Ron Swanson
Sun Feb 07, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Adult Coloring Books
Replies: 16
Views: 2726

Re: Adult Coloring Books

I bought my longtime girlfriend an adult color book when she started the most demanding year of her graduate program. While I've never tried coloring in it myself, I know she enjoys picking it up from time to time with a glass of wine to relax and unwind.
by Ron Swanson
Wed Jan 13, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Are Online/Distance Graduate Degrees Respected?
Replies: 28
Views: 9151

Re: Are Online/Distance Graduate Degrees Respected?

Thank you, everyone, for the thoughtful responses. My preference right now is to attend a distance Masters of Engineering Management program though Duke University. A traditional MBA doesn't really interest me since I work in a relatively technical field. Engineering Management has been described to...
by Ron Swanson
Mon Jan 11, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Are Online/Distance Graduate Degrees Respected?
Replies: 28
Views: 9151

Are Online/Distance Graduate Degrees Respected?

Hi Bogleheads, I am in the process of looking at and applying to graduate programs to pursue a degree in Engineering Management, and I'm curious what the consensus of this community is pertaining to online degrees. Are they worth it? Are they respected and taken seriously? As a little background, I ...
by Ron Swanson
Sun Dec 20, 2015 8:54 am
Forum: Investing - Theory, News & General
Topic: Large Energy stocks - why not?
Replies: 158
Views: 16856

Re: Large Energy stocks - why not?

That makes no sense. They (basically) have no operating costs. They don't go offline unless they break. Un-subsidized utility scale solar is in the $50-60/MWh range. Wind is even cheaper. Show me where, in the USA, is there new nat gas, coal or nuclear coming online for under $50/MWh. --Keanwood I ...
by Ron Swanson
Fri Nov 20, 2015 12:12 pm
Forum: Investing - Theory, News & General
Topic: Helping Completely Understanding ROTH Ira Rules
Replies: 6
Views: 996

Helping Completely Understanding ROTH Ira Rules

Hi all, I am new to the forum, so forgive me if this topic has already been covered extensively. I work in the energy industry and have a job where a significant portion of my income comes in the form of overtime and year end bonus. I currently max out a Roth Ira each year because even with bonus an...