Search found 106 matches

by pahkcah
Wed Nov 18, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: Where can I find a running shirt like this?
Replies: 13
Views: 1757

Re: Where can I fund a running shirt like this?

Gorewear offering no sizes that humans wear.. :( When they cut prices the "normal" sizes sell pretty quick, same as all the other running supply companies. I signed up to receive e-mail notifications from Gore Wear, so I was able to get some of the merchandise right after the sale announc...
by pahkcah
Wed Nov 18, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Where can I find a running shirt like this?
Replies: 13
Views: 1757

Re: Where can I fund a running shirt like this?

I would check https://www.runningwarehouse.com/ . I use it all of the time for running-related shopping. +1 I check runningwarehouse all the time and buy Arcteryx, Patagonia, and Gore Wear, but only when they are on sale. As an example, right now Gore Wear is having a sale on many of its jackets, s...
by pahkcah
Tue Oct 13, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Favorite Science Fiction Movies
Replies: 179
Views: 8692

Re: Favorite Science Fiction Movies

I cannot believe that no one has brought up the greatest movie of all time: Plan 9 From Outer Space. Ed Wood was a genius. I haven’t seen it, now I have to. It is the best worst science fiction film of all time, and has been voted the worst science fiction film in history numerous times. They only ...
by pahkcah
Sat Oct 10, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: "Nice" furniture recommendations
Replies: 114
Views: 10494

Re: "Nice" furniture recommendations

DW and I had similar thoughts in terms of buying nice furniture that would last when we selected furniture for our new home. Ultimately, we went with Stickley for our bedroom and Ethan Allen (EA) for the main living areas. The Stickley furniture is beautiful and should last for many decades. We live...
by pahkcah
Sun Oct 04, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: If you have a pension, how do you view it?
Replies: 203
Views: 14384

Re: If you have a pension, how do you view it?

DW and I both have COLA’d pensions and Social Security. We view the pensions as income. They cover all of our expenses, with a considerable amount left over each month. If I predecease my wife, she would receive 55% of my pension each month. If she predeceases me, I would receive 55% of her pension....
by pahkcah
Tue Sep 22, 2020 10:13 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5498

Re: What can I expect from new golf clubs

https://i.pinimg.com/236x/46/2e/79/462e79fe88441e4e074bc7792f85b7e9.jpg Is anyone a marine biologist?! My DD is. The family joke is for someone to say, "Is anyone here a marine biologist?", every so often. For the OP: Being the same height (or nearly the same height) as other golfers does...
by pahkcah
Sat Aug 29, 2020 1:08 pm
Forum: Personal Investments
Topic: TSP Balance will be close to 1M (hopefully) in a few years
Replies: 19
Views: 2497

Re: TSP Balance will be close to 1M (hopefully) in a few years

with all respect, what is S, C, F, G? :) Here you go: The TSP G Fund (Government Securities Investment Fund) is invested in short-term U.S. Treasury securities. The TSP F Fund (Fixed Income Index Investment Fund) is invested in U.S. investment-grade bonds, as tracked by the Barclays Capital Aggrega...
by pahkcah
Sun Aug 23, 2020 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16864

Re: Do you talk to your friends/family/coworkers about this stuff?

Co-workers - never unless asked. Although it could be a good way to get some quality face time with a company’s legal and HR staff, I think it’s bad policy to initiate any discussion of personal finance with fellow employees. If an employee indicated that she/he had financial problems or needed help...
by pahkcah
Sat Aug 22, 2020 4:40 pm
Forum: Personal Consumer Issues
Topic: Financing new house without selling first
Replies: 16
Views: 1372

Re: Financing new house without selling first

Since you have no existing mortgage, and assuming you can handle mortgage payments until your existing home sells: 1. Look for and find new home. 2. Put existing house on market. 3. Move to new home with mortgage (make sure the mortgage contract allows you to execute a “recast”). 4. When existing h...
by pahkcah
Sat Aug 22, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Financing new house without selling first
Replies: 16
Views: 1372

Re: Financing new house without selling first

Since you have no existing mortgage, and assuming you can handle mortgage payments until your existing home sells: 1. Look for and find new home. 2. Put existing house on market. 3. Move to new home with mortgage (make sure the mortgage contract allows you to execute a “recast”). 4. When existing ho...
by pahkcah
Fri Aug 21, 2020 5:28 pm
Forum: Personal Consumer Issues
Topic: Is it worth to relocate for retirement?
Replies: 140
Views: 13558

Re: Is it worth to relocate for retirement?

If “worth” equates to expenses, sure it can be worth it to relocate. Someone can really save money by moving to a state that does not have a state income tax or tax 401(K)’s, IRAs, and pensions. If a lot of your net worth is in non-Roth 401(k)’s, IRAs, etc., it could be very beneficial. If this is t...
by pahkcah
Thu Aug 20, 2020 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to quit a job for retirement
Replies: 61
Views: 5367

Re: How to quit a job for retirement

Retired twice, first time was from Federal Government while working way too many hours in a high-level management position. I requested and was granted an early retirement by my senior manager. As this was a major favor, I offered to stay until a replacement was found and in place, which took two mo...
by pahkcah
Mon Aug 17, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Did any inheritance make positive effect on your life?
Replies: 229
Views: 19390

Re: Did any inheritance make positive effect on your life?

When my father passed away my three siblings and I each received a small amount of cash and 1/4 of the house my parents had owned. Prior to the home being sold, DW and I legally transferred our share of the house to my sister (a nurse) who had cared for my father for several years preceding his deat...
by pahkcah
Fri Aug 14, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: TSP Participant Account Balances
Replies: 72
Views: 19275

Re: TSP Participant Account Balances

Started with the Federal Government in 1979 under CSRS. When the Government offered FERS I ran all the numbers to determine which might be the better choice. Just like fellow CSRS employees at the time, the decision was based on the guaranteed pension (years and months X high-three salary) and TSP v...
by pahkcah
Mon Aug 10, 2020 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]
Replies: 24
Views: 2100

Re: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]

The company I worked for was sold in 2017, which resulted in a payout to all of the employees. . . . . DW and I visited the local SS office in November of 2019 and submitted SSA-44 forms to request IRMAA reductions for 2020. These requests were based on the fact that I retired in 2018, . . . . Aren...
by pahkcah
Mon Aug 10, 2020 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]
Replies: 24
Views: 2100

Re: Any IRMAA experts? [Income Related Monthly Adjustment Amount - Medicare]

The company I worked for was sold in 2017, which resulted in a payout to all of the employees. I filed an SSA-44 Form requesting an IRMA reduction for 2019 which was approved. I was told the request was approved because I did not have any say in the company sale. DW and I visited the local SS office...
by pahkcah
Fri Aug 07, 2020 6:02 pm
Forum: Personal Consumer Issues
Topic: Car safety after age 67 or so
Replies: 64
Views: 5086

Re: Car safety after age 67 or so

Ouch!!! You had to mention the Nissan 1987 van? Unfortunately, we had one. For those that don’t know/remember, Nissan was forced to either buy back all of these vans or provide an additional 100,000 mile warranty due to an issue with engines overheating, which caused a number of these to catch on fi...
by pahkcah
Mon Jul 27, 2020 6:15 pm
Forum: Personal Consumer Issues
Topic: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?
Replies: 195
Views: 16880

Re: Are 55+ Communities a Baby Boomer Thing Only? If so, who will buy when Boomers want to sell?

DW and I live within a planned community that currently has about 2850 residences (we’re still growing) divided into approximately 50 “neighborhoods”. Two of these neighborhoods are exclusively for residents who are 55+. Houses in these neighborhoods start at about 2100 square feet and go over 3000 ...
by pahkcah
Fri Jul 24, 2020 9:18 am
Forum: Personal Consumer Issues
Topic: Mosquitos! Mosquitos! Mosquitos!
Replies: 124
Views: 9355

Re: Mosquitos! Mosquitos! Mosquitos!

I ordered a (Mosquito Magnet) off of Amazon works wonders, dropped mosquitos by about 90% in my yard within 2 weeks Or your yard and environs dried up in that two weeks and that was the end of the mosquitos. Isn't it rather interesting that this summer there has been no outcry about the Zika virus?...
by pahkcah
Tue Jul 21, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Walking OK with sun exposure?
Replies: 87
Views: 6081

Re: Walking OK with sun exposure?

I run outside several days a week (30-40 minutes each), even when it is sunny and 110F outside. What kind of hats would you suggest for a runner? I run/walk for 90 minutes four days a week. My favorite are the Nike Dry Featherlight Running Hats . They are very light and the ventilation allows the h...
by pahkcah
Sun Jul 19, 2020 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7358

Re: Give new doctor a SSN?

You should be assuming that your father's SSN is already compromised and spending your energy helping him freeze his credit and helping him get credit reports, instead of fighting with the doctor's office about the matter. Agree with your statement concerning freezing credit. Would recommend everyo...
by pahkcah
Fri Jul 17, 2020 6:11 pm
Forum: Personal Consumer Issues
Topic: Kitchen Cabinets
Replies: 28
Views: 2952

Re: Kitchen Cabinets

Just built a new home and had Omega Dynasty cabinets installed. Omega has two lines of cabinets: Dynasty and Pinnacle. We are very happy with the Omega cabinets, and the installer as well.
by pahkcah
Thu Jul 16, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: What surprised you the most once you retired?
Replies: 267
Views: 31445

Re: What surprised you the most once you retired?

1. How much I enjoyed not having to work. 2. Prior to the pandemic, was surprised by how few people would be shopping during normal working hours on weekdays. Best day for grocery store shopping was Tuesday mid-morning. The guy at the cold cut counter provided the tip, and he was right. (With the pr...
by pahkcah
Mon Jun 29, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the best financial decision you ever made?
Replies: 213
Views: 17104

Re: What is the best financial decision you ever made?

Although I could have earned a higher starting salary in private industry, chose to work for the Federal Government in the hopes that I would someday receive a pension under the Civil Service Retirement System (CSRS). The first of every month I am very happy with the decision made over 40 years ago....
by pahkcah
Wed Jun 24, 2020 11:44 am
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 248
Views: 16225

Re: What is the single best piece of exercise equipment you bought for your home?

DW - Landice L7 Sports Treadmill

Me - Precor EFX 5.35 Elliptical

Helps a lot when it's icy/snowy outside in winter. :happy
by pahkcah
Sat Jun 13, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Recommend a mattress?
Replies: 50
Views: 4853

Re: Recommend a mattress?

Sleeplikethedead.com Unbiased review. Or at least it was when I was shopping last year. Agree with using Sleep Like The Dead - https://www.sleeplikethedead.com/. That site was the most independent of any I could find, and I spent a LOT of time researching mattresses. After all the research, it came...
by pahkcah
Sun Jun 07, 2020 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 2035

Re: Federal Retirees - Two questions, please?

My agency announced a VRIP as I was planning my retirement. That was fortunate, because it removed the awkwardness of announcing my leave and the paperwork was streamlined for a large group of people who accepted the offer. Plus: I got a financial incentive. My unused sick leave was converted into ...
by pahkcah
Sun Jun 07, 2020 10:21 am
Forum: Personal Investments
Topic: Retirees: what is your AA?
Replies: 80
Views: 4127

Re: Retirees: what is your AA?

DW - 60/40 Me - 100% equity Mid-60's. We both have COLA'd pensions that more than cover all expenses, plus Social Security (SS). Live in a state with no taxes on government pensions and SS, which helps quite a bit. DW set up her AA based on her age and risk tolerance. I view the investments as somed...
by pahkcah
Fri Jun 05, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retirees - Two questions, please?
Replies: 20
Views: 2035

Re: Federal Retirees - Two questions, please?

1. 60 days’ notice. I was in a senior management position and knew the selection of a replacement would take that long. First step was to ask HR to “run the numbers” to receive an estimate of pension amount. Once decision was made to retire, HR provided a contact who walked me through all of the dec...
by pahkcah
Mon May 18, 2020 10:20 am
Forum: Personal Consumer Issues
Topic: Composite AND wood deck?
Replies: 15
Views: 1073

Re: Composite AND wood deck?

Replaced wood deck with solid PVC (not composite) a few years ago in Northern VA. We were able to use the existing substructure. Only issue is that one requirement (VA regulations and/or vendor policy) was to have the underlying support joists no wider than 12 inches apart (as Sandtrap noted). Since...
by pahkcah
Wed May 13, 2020 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3681

Re: Companies that have a pension and 401k?

The Federal Government has the Federal Employees Retirement System (FERS). It offers a defined pension benefit and the Thrift Savings Plan (TSP), which is equivalent to a 401(k) plan. FERS employees also pay into Social Security.
by pahkcah
Mon May 11, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: At what moment does retirement begin?
Replies: 68
Views: 5949

Re: At what moment does retirement begin?

When I thought it was a Saturday...but it wasn't.

Took three weeks before I could figure out what day of the week it was. Until then, every day felt like Saturday.
by pahkcah
Mon May 11, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 5127

Re: 90%+ chocolate bar

I used to live near Taza Chocolate in Somerville, MA (https://www.tazachocolate.com). They have chocolate bars that go up to 95% pure. They are called "Wicked Dark". According to web site: Perfectly unrefined, super intense 95% dark stone ground chocolate. This barely-sweet bar has just 2 ...
by pahkcah
Sun May 10, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 130
Views: 9673

Re: Mesh Wifi

I get a new router every 5 years or so. One thing I have learned is that a well placed ethernet cable connected to an inexpensive switch is a smart way to go. I pay someone to run the cable. Sorry I'm dense I guess but for what purpose? I use switches but why are you mentioning here? Running ethern...
by pahkcah
Wed May 06, 2020 10:56 am
Forum: Investing - Theory, News & General
Topic: Who is your all time favorite investor and why?
Replies: 52
Views: 2942

Re: Who is your all time favorite investor and why?

Bogle, and a close second are all you Bogleheads who have contributed so much of your time to helping others like me.

My children. They are Bogleheads. Don't have to worry about their financial health.
by pahkcah
Tue May 05, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3225

Re: Moving from High taxed state to no income tax state

I periodically compare property tax rates between Hopkinton, MA, where I live ($16.82/thousand) and Hopkinton, NH ($35/thousand) just for fun. Boy.....us Taxachusetts people are just getting killed with taxes. DW and I moved to MA and pay no income taxes, as our government pensions and social secur...
by pahkcah
Tue May 05, 2020 9:37 am
Forum: Personal Investments
Topic: Tell me what I don't know about retirement?
Replies: 55
Views: 5134

Re: Tell me what I don't know about retirement?

I was shocked to find out the other day that salary 2 years before retiring can determine your premium for medicare... So what else do I NOT know about the couple of years before retirement? What worked for you? What was a fail for you? I know all situations are somewhat different. Time for some of...
by pahkcah
Mon May 04, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57846

Re: How to get Toilet Paper ? seriously.

Today is the first day in a while where Amazon and Walmart both have quality toilet paper available at the same time.

The end is in sight!

(I wrote the second sentence and then kind of shook my head.). :oops:
by pahkcah
Mon May 04, 2020 3:37 pm
Forum: Personal Consumer Issues
Topic: [Saatva] or puffy mattress
Replies: 9
Views: 1068

Re: [Saatva] or puffy mattress

Does the Saatva mattress come with a box spring? The mattress does not come with a box spring, Saatva sells "foundations" separately. The basic foundation starts at $259 for up to a queen size bed and can be purchased in 4.75" or 8.75" heights. There is no difference between the...
by pahkcah
Sun May 03, 2020 11:03 am
Forum: Personal Consumer Issues
Topic: [Saatva] or puffy mattress
Replies: 9
Views: 1068

Re: [Saatva] or puffy mattress

We purchased a Saatva mattress when we moved into our new home. Mattress was for one of our guest bedrooms. Guests have all said they slept well on the Saatva. I tried it for a few nights and agree that it is very comfortable. Saatva’s come in three firmness levels: plush soft (3), luxury firm (6), ...
by pahkcah
Thu Apr 30, 2020 10:32 am
Forum: Personal Finance (Not Investing)
Topic: State Farm Safe Driving App
Replies: 45
Views: 3339

Re: State Farm Safe Driving App

Another way to potentially save money on your auto insurance (and much less intrusive) is to take an online defensive driving course. Discount amounts and length of the discounts vary by auto insurance company and state. I paid $19.95 to take a course and submitted the course completion certificate ...
by pahkcah
Sun Apr 26, 2020 1:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6017
Views: 1403005

Re: What Movie Have You Recently Watched?

As for Daniel Craig, my brain couldn't process his accent. I still think of him as 007. To continue that thought and process you should consider watching Logan Lucky, mentioned previously a few times. It will help see Daniel Craig in a new light. Excellent and fun original movie. After the kids tol...
by pahkcah
Thu Apr 23, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6645

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

Have owned all three models. Cannot go wrong with any of these. My number one purchasing factor in a vehicle is reliability, which these Toyota's all have. Which one depends on your requirements. Camry for interior space and transporting passengers, corolla for intermediate size and fuel economy, bu...
by pahkcah
Thu Apr 23, 2020 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 10047

Re: Best Covid19 resistant job

DownToThis wrote: Thu Apr 23, 2020 7:14 am Do you know COBOL?
I sure do. My first job in IT was programming in COBOL...and ALC (ugh!).

To answer the OP, my SIL is in water treatment for a very large municipality. He and his co-workers are considered very essential.
by pahkcah
Mon Apr 20, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8420

Re: [Oil futures price plummets, Bogleheads react]

Will do good wrote: Mon Apr 20, 2020 2:37 pm Hope our government is smart enough to buy these future as much as possible, and stored them at the Strategic Petroleum Reserve (SPR) in underground salt caverns.
+1
I had exactly the same thought. Should be filling SPR to the brim while price is right.
by pahkcah
Sun Apr 19, 2020 5:45 pm
Forum: Personal Consumer Issues
Topic: Should I give blood now?
Replies: 23
Views: 1499

Re: Should I give blood now?

As others have stated, many of the normal blood drives have been cancelled. I called a national number provided on the Red Cross web site and a very helpful individual was able to find a slot at the nearest Red Cross donation site in early May. The Red Cross representative told me that new procedure...
by pahkcah
Sun Apr 19, 2020 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Pension vs. simply investing? Is pension even worth it at all?
Replies: 58
Views: 3830

Re: Pension vs. simply investing? Is pension even worth it at all?

Once you hit a GS level, notably if you are starting at a step 1 it takes 18 more years to hit a step 10 level assuming no unusual circumstances. For anyone curious about basically what this means salary wise you can view an OPM table. https://www.opm.gov/policy-data-oversight/pay-leave/salaries-wa...
by pahkcah
Sun Apr 19, 2020 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Pension vs. simply investing? Is pension even worth it at all?
Replies: 58
Views: 3830

Re: Pension vs. simply investing? Is pension even worth it at all?

Our pension incentivized employees to build up years, as it is based on the following computation: First 5 years – times 1.5% Second 5 years – times 1.75% All years past 10 – times 2% A CSRS retiree with 30 years of service would earn a pension of 56.25% (5 x 1.5%, plus 5 x 1.75%, plus 20 X 2%) tim...
by pahkcah
Sat Apr 18, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pension vs. simply investing? Is pension even worth it at all?
Replies: 58
Views: 3830

Re: Pension vs. simply investing? Is pension even worth it at all?

OP, could you please provide some information on the type of position you would be (or are) working in for the state? Just curious. DW and I both chose to work for the Federal Government because of the guaranteed pension under the old Civil Service Retirement System (CSRS). When we started, the empl...
by pahkcah
Tue Apr 07, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Charity during the pandemic
Replies: 73
Views: 4707

Re: Charity during the pandemic

Besides what others have already mentioned, please consider donating blood at your local Red Cross site or blood bank if you are able.

Stay safe and healthy everyone!