Search found 191 matches

by Conch55
Wed Jan 09, 2019 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13975

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

We made it mostly on less than 100k per year, two kids, college, weddings but it took 30 years. Time in the market was key, kept investing in low cost funds and paying attention to expenses. We are now in our early 60's, no longer working, house paid for, kids on there own.
by Conch55
Sun Jan 06, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: For those retired a few years
Replies: 58
Views: 4774

Re: For those retired a few years

Four years in for me, 1 for spouse. Our spending has been slightly less than when we both worked but steady since my retirement. I don't foresee much change until Medicare in a couple of year when our health insurance costs will likely increase. We get our health insurance from the federal exchange ...
by Conch55
Tue Jan 01, 2019 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Best place to keep track of market
Replies: 24
Views: 1683

Re: Best place to keep track of market

I use the Stocks app on my iphone. I added the major Indexes (NASDAQ, DOW, S&P) and my index fund holdings and get market close prices daily. Good enough for me.
by Conch55
Mon Dec 31, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1791

Re: Happy New Year Do you have plans?

Just finished a quiet dinner at home with spouse and have settled in for the night. Probably won't stay up for the ball drop and will welcome the new year in the morning. Happy new year to all!
by Conch55
Sat Dec 29, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2299
Views: 400080

Re: What are you up YTD? [Year To Date]

Down 3.7% for 2018 on 53/47 portfolio with no withdrawals and all gains reinvested.
by Conch55
Fri Dec 28, 2018 5:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: My favorite Boglehead posters
Replies: 142
Views: 8102

Re: My favorite Boglehead posters

sscritic. I'm not privy to the backstory on his departure but I enjoyed his posts. Agree with many of the others posters mentioned.
by Conch55
Thu Dec 13, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 408
Views: 41762

Re: What types of jobs do Bogleheads have?

Starting about age 15:

Cut grass and landscaping work
Made patio blocks and concrete slabs
Carpentry work
Waiter
Masonary and concrete work
Waiter/bartender while back in college
Computer programmer
System analyst
System administrator
Systems group manager
IT engineer
retired
by Conch55
Mon Dec 10, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Need recommendation for new washing machine
Replies: 45
Views: 2471

Re: Need recommendation for new washing machine

We own a Samsung top loader which I would not recommend. It lacks an agitator which we have decided we don't like. Wash loads can be larger without the agitator but we don't feel the clothes come out as clean.
by Conch55
Thu Dec 06, 2018 4:16 pm
Forum: Investing - Theory, News & General
Topic: Where did you think we'd be today, ten years ago?
Replies: 38
Views: 2943

Re: Where did you think we'd be today, ten years ago?

Possibly a unique situation but I worked abroad for weeks at a time during the 2007/8 downturn and spent lots of time fretting about the market and my inability to react. I decided I needed a better plan and have since created an AA in can live with. It was a good lesson for me on planning ahead.
by Conch55
Mon Nov 26, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5676

Re: Financial goals for 2019 (specific)

Not really goals but every year I upped my tax deferred retirement plan contributions, saved as much of whatever raise I got, sometimes none, and took advantage of employer matches. Never saw the need to overthink things realizing the accumulation phase is a long distance run. I doubt I would have m...
by Conch55
Wed Nov 21, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: 1 Week vacation in February 2019, to get away from the Midwest Winter
Replies: 45
Views: 3878

Re: 1 Week vacation in February 2019, to get away from the Midwest Winter

I agree with many of the suggestions already posted. We have done mid-winter trips to Jamaica, Cancun and the FL keys. We generally chose those destinations because we can get there relatively quickly. Cancun and Montego Bay are not so much about culture but beaches, warm weather and relaxation. We'...
by Conch55
Fri Nov 16, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3107

Re: My experience with iPhone6s battery replacement

According to MacWorld ( https://tinyurl.com/ybxbsvj3 ): Is my iPhone part of the battery replacement program? If you have an iPhone 6 or later you are eligible to receive a battery as part of the program. The complete list of phones included are: iPhone SE iPhone 6 iPhone 6 Plus iPhone 6s iPhone 6s ...
by Conch55
Fri Nov 16, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 34
Views: 3107

Re: My experience with iPhone6s battery replacement

I have a 6s and did the battery replacement recently too. I had an Genius Bar appointment on a weekday morning so while the store was busy my repair took about 1 hour. One additional recommendation for those who rely on their phone for current time, bring a watch! Our local Apple Store is in a shopp...
by Conch55
Fri Nov 09, 2018 7:22 pm
Forum: Personal Consumer Issues
Topic: Recommend Chrome ad-blocker
Replies: 66
Views: 4521

Re: Recommend Chrome ad-blocker

I use uBlock Origin with Chrome and have noticed more ads. I chalk it up to the motivation of the sellers but I don't plan to stop using it. I also use uMatrix which catches a lot of other things but at times I need to allow some sites through.
by Conch55
Fri Nov 09, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Best Finance/Stock Market Films
Replies: 34
Views: 1735

Re: Best Finance/Stock Market Films

Trading Places, :happy
by Conch55
Tue Nov 06, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: ACA in early retirement question.
Replies: 20
Views: 1433

Re: ACA in early retirement question.

Your previous employer allows you to get back into their plan after several years out of it after retirement? I kept my employee manual which included guidelines for retiree coverage based on years of service. My original request for insurance with said employer was denied but after pleading my cas...
by Conch55
Tue Nov 06, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: ACA in early retirement question.
Replies: 20
Views: 1433

Re: ACA in early retirement question.

I have been an ACA user, with subsidy, since 2015 when I early retired at age 59. When the ACA was a political hot potato last year I looked into purchasing health insurance through a previous employer. I was eligible for that insurance but at a retired employee rate which, while far less than the u...
by Conch55
Sun Nov 04, 2018 8:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18633

Re: Vanguard website "unavailable during weekend of Nov 3"

Chrome user. Cleared cache and cookies and was able to login. Also don't notice any changes to the site.
by Conch55
Sat Nov 03, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website "unavailable during weekend of Nov 3"
Replies: 203
Views: 18633

Re: Vanguard website "unavailable during weekend of Nov 3"

It appears the Prepers have come out of the bunker and light is upsetting their thought process. All is well. IT guy for 35yrs, many upgrades in my life. Backup copies, offsite copies, ample test time. Relax everyone. Retired IT guy here. I agree speculating about this is pointless but I, as a Vang...
by Conch55
Fri Oct 26, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: 2019 ACA plans available for review
Replies: 30
Views: 2989

2019 ACA plans available for review

For those who purchase health insurance plans (ACA) on healthcare.gov, 2019 plans are available for preview.

https://www.healthcare.gov/see-plans/
by Conch55
Fri Oct 26, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4055
Views: 1102759

Re: What Movie Have You Recently Watched?

Game Night. It has been mentioned before but I thought it was a fun movie with plenty of twists and humor.
by Conch55
Mon Oct 15, 2018 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: When to stop putting money into an older vehicle
Replies: 90
Views: 6523

Re: When to stop putting money into an older vehicle

This! I would not drive a car that old, and would probably replace a vehicle that is say 10 or so years old with newer. I worry that even though the vehicle may be reliable I'll miss out on new safety features. I have a 2003 vehicle too and am facing a repair issue which might be costly. I don't co...
by Conch55
Fri Oct 12, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 3166

Re: Pacific Northwest trip

My experience is related to the Seattle area but we spent a week there this past August. We didn't have a lot of free time in the city so we opted for a Citypass which included some of the major attractions. In those two days we visited the Space Needle, Chihuly Garden, aquarium, took a river cruise...
by Conch55
Fri Oct 12, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Key West Hotels
Replies: 27
Views: 1921

Re: Key West Hotels

The last time I was in Key West (Dec 2015) we chose a B&B off Duval Street. Close to the action/sites but still quiet. Our choice was the Eaton and Duval area. We had spent a few days in Marathon with a rental car before Key West but returned in when we got to Key West. We walked everywhere, sites w...
by Conch55
Thu Oct 11, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: UPDATE Considering new Honda Pilot, other suggestions?
Replies: 35
Views: 2106

Re: Considering new Honda Pilot, other suggestions?

Since the SUV's you are considering are similar your test drive will tell you a lot. A family member recently went through the same process and chose the Highlander over the Pilot after driving both.
by Conch55
Wed Oct 10, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1789776

Re: U.S. stocks in freefall

Days like this provide an opportunity to test ones AA fortitude, for lack of a better way to state it. It's not like a correction/selloff/recession/depression, what have you, isn't always part of investing. I track my portfolio returns, or lack thereof, after the markets close on Friday.
by Conch55
Wed Sep 26, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Switching to FIOS, frozen credit, thaw required?
Replies: 8
Views: 707

Re: Switching to FIOS, frozen credit, thaw required?

I have always filed the request first and then let the company send me a letter saying they couldn't process my request because they couldn't access my credit at XYZ credit bureau. Once I have the name of the credit bureau they use, I thaw it, call the number given on the letter and they do the cre...
by Conch55
Wed Sep 26, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Switching to FIOS, frozen credit, thaw required?
Replies: 8
Views: 707

Switching to FIOS, frozen credit, thaw required?

As summarized in the brief subject line, I am considering switching from my current cable company to Verizon FIOS. My credit as reported to the big three credit bureaus is frozen. I am already a Verizon wireless customer so will opening a FIOS account require thawing my credit?
by Conch55
Mon Sep 24, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 18
Views: 1077

Re: squeaky lock and hard to turn key

I have used graphite oil effectively for this on several occasions. Can be a little messy but works great. Recommended!
by Conch55
Thu Sep 13, 2018 2:01 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4526

Re: I need a chainsaw to trim branches and limbs!!

Also, if you're just trimming branches and limbs, a chainsaw is probably overkill. Especially if it involves climbing and being on a ladder and all... don't do that as an amateur. A pruning saw is probably all you need.... and quite a bit safer. Agreed. I think a battery powered reciprocating saw (...
by Conch55
Mon Sep 10, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6755

Re: Hurricane Florence - survival guide

Where do you safely store the gasoline and propane ? And how do you hook an appliance like a refrigerator to the generator. As far as gasoline is concerned, stock up before the storm and add stabilizer to your gas. Safe propane storage is pretty much the same challenge a grill owner faces daily. Us...
by Conch55
Thu Sep 06, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Go to Istanbul next week. Any suggestions
Replies: 50
Views: 3935

Re: Go to Istanbul next week. Any suggestions

The Golden Horn area is a good place to spend some of your time. Major attractions are within walking distance (Galata Bridge, Hagia Sofia, spice market, Blue Mosque...). A river cruise is a nice way to take in the sites too.
by Conch55
Fri Aug 17, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: physics/math major looking for programmer/analyst job?
Replies: 89
Views: 6263

Re: physics/math major looking for programmer/analyst job?

Does he have any computer system management experience? System administration and network engineering are decent vocations where he might be able to put his language skill to use. I spent a decade as a programmer and a decade as a systems guy before becoming a team lead. I hired techies with degrees...
by Conch55
Sat Jun 30, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Vacation- home precautions?
Replies: 39
Views: 5382

Re: Vacation- home precautions?

1. turn off water main 2. turn off hot water heater 3. turn off AC in summer ; lower heater temperature in winter 4. have at least one light on a timer 5. stop mail from post office 6. cut grass the day before you leave ; in the Fall, pick up leaves the day before you leave 7. tell your most truste...
by Conch55
Fri Jun 29, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 4356

Re: Anyone Tried Youtube TV Yet?

Not wishing to hijack this thread but has anyone tried Hulu Live TV? Seems similar to YouTube but includes HGTV/Food/Travel channels for those who care. Priced similarly.
by Conch55
Tue Jun 26, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: Thinking about 2019 trip to Dubrovnik, Croatia
Replies: 19
Views: 1501

Re: Thinking about 2019 trip to Dubrovnik, Croatia

Another +1 on the Bay of Kotor. You can just rent a car for a day and see it in a day trip from Dubrovnik. Absolutely worth it. While I was not a driver but rather a passenger in a vehicle when I visited the coast of Montenegro it was memorable. We commuted from the capital of Montenegro, Podgorica...
by Conch55
Wed Jun 20, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2818

Re: Need new Cable Modem + Router - Please recommend

Or do I need to buy a new modem and new Router? I have never used a combo modem/router and don't know if one of the other "feature" can be disabled. My ISP offers a modem for a one time charge but I've always purchased my own router. It gives me the flexibility to adapt as technology changes. Curre...
by Conch55
Mon Jun 11, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Explanation of free credit scores
Replies: 16
Views: 2020

Explanation of free credit scores

As many others, I have been using some of the credit score reporting tools offered by credit cards, banks, Credit Karma, etc. While I appreciate using the tools I don't understand the fluctuations I see in the reports. I am retired with frozen credit and consistent spending habits but the scores see...
by Conch55
Wed Jun 06, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4205

Re: Upgrade to SSD for 5-year old desktop?

Thanks for the replies. I watched videos on YouTube, and it looks like Macrium Reflect Free would work well.
I opted for a Samsung 256GB EVO SSD and cloned a Windows 7 installation with the included software. No issues.
by Conch55
Wed Jun 06, 2018 1:53 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4205

Re: Upgrade to SSD for 5-year old desktop?

I replaced a 5400 rpm hard drive with a SSD in a 7 year old Dell Latitude laptop plus added more RAM. I now expect several more years of serviceable life. The SSD was the main thing though. Boots fast and seems to be more responsive. I'd do it again.
by Conch55
Mon Jun 04, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Gardening 2018
Replies: 70
Views: 7436

Re: Gardening 2018

Planted tomatoes or various types, lots of yellow squash and zucchini, bell and jalapeno peppers, cucumbers and a number of herbs. Have harvested several yellow squash and anticipating plenty more. We have had a lot of rain the past week and things are soggy. Hoping the coming week brings a lot of s...
by Conch55
Wed May 30, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc)
Replies: 266
Views: 19577

Re: Do average kids from upper middle class families get any free college money (Scholarships / non-repayable grants etc

I guess it depends on where you live. In our case, two kids with AP weighted GPA scores above 4.0, and not much for free college money. A couple of local scholarships was about it.
by Conch55
Wed May 16, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Percent Confidence in Planning Scenario
Replies: 27
Views: 1389

Re: Percent Confidence in Planning Scenario

Reiterating a familiar point, you don't know what future markets will offer. Save as much as possible, choose an allocation you can live with and plan to adjust as necessary. Then be confident you have done what you can.
by Conch55
Mon Apr 30, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3417

Re: Avocado Timing

Why do you waste time on guacamole if you can just eat avocados?
For many years eating avacados for us meant making guacamole. The past several years we ripen them, slice them and maybe add a bit of lime juice. Multipurpose and very tasty.
by Conch55
Sat Apr 28, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Family vacationing
Replies: 41
Views: 4665

Re: Family vacationing

5 and 8 are good ages to still do outdoor vacation things, which often aren't expensive. How about national or state parks within a days drive? Camping, hiking, exploring are all fun although kids often don't agree when older.
by Conch55
Tue Apr 24, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Difference in Difficulty Driving Moving Trucks By Size
Replies: 18
Views: 1989

Re: Difference in Difficulty Driving Moving Trucks By Size

Backing up carefully, with a spotter if possible, being mindful of height clearance and picking the right gas station come to mind. I drove a large truck 1500 miles and had no issues until I arrived at my destination and had to back the truck into a small development due to lack of turnaround space....
by Conch55
Mon Apr 23, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: IPhone Faulty Battery Diagnosis
Replies: 32
Views: 2002

Re: IPhone Faulty Battery Diagnosis

iOS 11.3 has a feature that allows you to see battery health, expressed as a percentage (not to be confused with the charge left). If this number is lower than about 70% or so I'd get the battery replaced. I am running iOS 11.3 and the battery health feature indicates 95% of maximum health for a 2....
by Conch55
Wed Apr 04, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Want/need some income in semi-retirement
Replies: 90
Views: 7851

Re: Want/need some income in semi-retirement

Based on the area in which you live, Washington DC, could you relocate to a lower cost area and make it on what you already have coming in?
by Conch55
Sat Mar 31, 2018 11:30 am
Forum: Personal Consumer Issues
Topic: Tired of gas grills rusting out...
Replies: 54
Views: 5635

Re: Tired of gas grills rusting out...

Weber Genesis C, purchased in 2001. Have replaced the flavorizer bars a couple of times due to rust, the grates once. The current grates have some rust but are still serviceable. Igniter has rusted so I light with a dollar store lighter. Grill was covered for the first decade plus on an uncovered de...
by Conch55
Thu Mar 29, 2018 2:52 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 10856

Re: What is the endgame for Millennials?

One of the problems with labels is they are divisive. I am a boomer retired tech worker with a small, non cola, pension and whatever we saved via 401k/IRA. When I was 28 I was a surfer living the beach life with no goals. After returning to school I did a life reset at 30, started a tech career and ...