Search found 229 matches

by Conch55
Thu Aug 15, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Woodstock
Replies: 87
Views: 7998

Re: Woodstock as it happened

Oh, the Irony: Alexa, Tune-In, the Internet.
Thanks for that Livesoft :D
by Conch55
Thu Aug 08, 2019 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Do you pay for kids college if a non-STEM major?
Replies: 62
Views: 2638

Re: Do you pay for kids college if a non-STEM major?

Yes, two kids. I didn't attach any conditions to paying for college except that I would only spring for four years.
by Conch55
Tue Aug 06, 2019 6:21 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9797

Re: Gardening 2019

Zone 8a - cucumbers, squash and zucchini are done for this year. Tomato production has been good although excessive heat has put the skids on current yields. It's been cooler this week so maybe more to come. Basil plants are doing great, peppers okay, Over 50 pounds of produce donated to local food ...
by Conch55
Wed Jul 31, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: 3 Days in Seattle
Replies: 24
Views: 1258

Re: 3 Days in Seattle

If you are into craft beer, Old Stove Brewing at Pike Place Market is a nice way to spend some time. Outdoorsy kind of place and the food is decent too.
by Conch55
Thu Jun 20, 2019 2:44 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 888
Views: 111794

Re: Did I Make it or no?

Not sure about making it but you are making good progress based on your age. Keep up the good work!
by Conch55
Tue Jun 11, 2019 6:13 am
Forum: Personal Investments
Topic: bizarre letter from Vanguard
Replies: 17
Views: 4246

Re: bizarre letter from Vanguard

My spouse received a similar letter stating she would be "downgraded" from Voyager Select to whatever is lower than that. She should have been Flagship based on our household combined assets. I called them and they made a note to "upgrade" her account to Flagship. That appears to have happened.
by Conch55
Mon Jun 10, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7390

Re: Do you drive old cars for long distance travels?

Just back from a 1500 mile road trip in a Honda Accord with 130k miles. No issues, we trust the car but many of the more recent safety features such as lane alert would be nice. Will definitely have it on the next car.
by Conch55
Wed May 29, 2019 2:02 pm
Forum: Personal Consumer Issues
Topic: Looking for initerary recommendation-driving from Munich
Replies: 11
Views: 390

Re: Looking for initerary recommendation-driving from Munich

In your shoes, I might actually do two segments: A run to the north and west through the Black Forest and spend several days along the Alsace Wine Route, maybe with a couple of days at Lake Constance/Bodensee. Then a longer loop through Austria (bypassing Vienna because of the new car). Salzkammerg...
by Conch55
Tue May 28, 2019 3:04 pm
Forum: Investing - Theory, News & General
Topic: How can I check my portfolio as little as possible?
Replies: 69
Views: 3413

Re: How can I check my portfolio as little as possible?

What has worked for me over the years has been to not use any financial apps, pay attention to the news as a casual observer and only update my balances on a schedule. For me that's once a week but I do it to maintain a historical perspective on things rather than react to market swings. I don't put...
by Conch55
Thu May 23, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5519

Re: This rake is the best tool I've bought this week

"What is a hoe" for 200$ Alex. Sorry but based on the current Jeopardy season I couldn't resist that Ken Jennings gem. Looks like a nice rake.
by Conch55
Thu May 23, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Termite Control - worthwhile or a scam
Replies: 11
Views: 1300

Re: Termite Control - worthwhile or a scam

I pay 96$ yearly which includes one inspection. I have a crawlspace so having someone else poke around under there is okay with me. Occasionally the company tries to sell an additional service which I decline. I get a wood moisture content read too. Not sure it's worth it but I've always had it.
by Conch55
Mon May 20, 2019 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I encourage my kids to work in high school/college?
Replies: 224
Views: 13923

Re: Should I encourage my kids to work in high school/college?

Work for kids that age is an introduction to the real world. A part time job is an unlikely impediment to success but that depends on the kid. As long as school activities are not affected I'm for it.
by Conch55
Sat May 18, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: At what NW do I have disposable income?
Replies: 85
Views: 6127

Re: At what NW do I have disposable income?

You only get one shot at this "life" thing so I'd save as much as you can while not forgoing every experience along the way. Retirement is just another phase along the way.
by Conch55
Fri May 10, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: How to replace HDD with SSD
Replies: 16
Views: 1712

Re: How to replace HDD with SSD

Also, regarding using disk cloning software, you can plug the SSD into the motherboard using a 2nd SATA connector and cable, which gives fastest copying. OTOH if space is tight in the case wrt fumbling w the connector, or you're talking about a laptop, then you can get a USB to SATA adapter for und...
by Conch55
Wed May 08, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3450

Re: Good town to stop on I-81

Blacksburg Virginia? While not directly on I-81 it's a great college town (Virginia Tech). Be careful on I-81, it's a 18 wheeler nightmare at times.
by Conch55
Tue May 07, 2019 2:42 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9797

Re: Gardening 2019

As a followup to my posting about putting in my vegetable garden I have a Boglehead analogy to add. After planting, I wondered if I should continue to use a chicken-wire fence around the plot. I hadn't seen rabbits, our main problem, in a couple of years. I opted to "stay the course" and put in the ...
by Conch55
Fri May 03, 2019 3:11 pm
Forum: Personal Consumer Issues
Topic: Rarely used items that are worth having?
Replies: 112
Views: 12093

Re: Rarely used items that are worth having?

In my case a portable generator. It's been useful mainly as a hurricane deterrent device. I still use it for the occasional outages.
by Conch55
Fri May 03, 2019 1:10 pm
Forum: Personal Consumer Issues
Topic: Useful wedding gift you didn't expect
Replies: 26
Views: 3215

Useful wedding gift you didn't expect

This is intended to be on the lighter side of things but DW was making a salad recently and used a salad spinner we received as a wedding gift close to 40 years ago. We still use it regularly. I'd say that wedding gift suits us to a tee. Anyone else have a similar item from when they first started o...
by Conch55
Tue Apr 30, 2019 2:13 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9797

Re: Gardening 2019

I decided to tackle my vegetable garden a week or so ahead of schedule based on forecasted warm temperatures and the need to get my container veggies into more growing space. Tomatoes, cucumbers, squash and basil all transplanted. Hoping for a good growing season and best of luck to other Boglehead ...
by Conch55
Sat Apr 27, 2019 1:33 pm
Forum: Personal Consumer Issues
Topic: Is 2 weeks in Amsterdam a bit much?
Replies: 45
Views: 3660

Re: Is 2 weeks in Amsterdam a bit much?

For me two weeks would be long but it's a nice town. We did the major sights mentioned previously in 4 days but that included a lot of walking. The train station in town is your ticket to plenty of close by adventure if you want to get away. A word of caution, pay attention to the bike lanes and bik...
by Conch55
Sat Apr 20, 2019 6:13 pm
Forum: Personal Investments
Topic: Absolute Beginner Question
Replies: 11
Views: 1239

Re: Absolute Beginner Question

I've had my portfolio managed by an advisor for the past seven years. I pay her 1.35% of the assets she manages, which these days is turning out to be a chunk of change. I'd like to start learning about how to do this myself. Any book recommendations for learning the basics of managing one's own po...
by Conch55
Thu Apr 18, 2019 4:09 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9797

Re: Gardening 2019

Zone 7b reporting in. I am hardening vegetables, some from seed, some in pots from box store with a target plant date of the second week in May. Planting includes tomatoes, squash, cucumber, peppers and various herbs. All of the herbs are already in the ground. Recent weather pattern is encouraging ...
by Conch55
Tue Apr 16, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Trip to Central Asia. Do you need a CC?
Replies: 44
Views: 3388

Re: Trip to Central Asia. Do you need a CC?

I have traveled in two of those countries on more than one occasion, while mostly on business, and used a credit card. I also exchanged money via ATM and never had an issue. Cash was more useful around town but a CC was important in hotels/accommodations. I'd say use good judgement and enjoy the are...
by Conch55
Sun Apr 14, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2342

Re: Walking shoes

Do you walk now? I say that because knowing what works for you seems like recipe for success. If you have a walking shoe you like then that simplifies things. If not, I recommend you get the shoe with enough lead time to determine if you are comfortable in them. I like Asics but I've had years of ex...
by Conch55
Tue Apr 09, 2019 2:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are life insurance basically scams?
Replies: 43
Views: 1931

Re: Are life insurance basically scams?

Does that mean that the policy premium you have paid have basically gone down the drain?
Yes but that's true of insurance in general. I don't get anything from old auto insurance policies either.
by Conch55
Tue Apr 09, 2019 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Are life insurance basically scams?
Replies: 43
Views: 1931

Re: Are life insurance basically scams?

I always took advantage of employer subsidized life insurance when working since I had a spouse and children. It wasn't expensive relatively speaking but now that I am no longer working I don't have an active policy.
by Conch55
Mon Apr 08, 2019 1:25 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Are you annually spending in Real or Nominal Terms?
Replies: 63
Views: 4178

Re: Retirees: Are you annually spending in Real or Nominal Terms?

I planned to track spending according to my plan but in reality we take what we need. I guess that means we saved enough. At this point we are only 4 years in so we'll see how that works out.
by Conch55
Fri Apr 05, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Approx. cost of 2 new garage doors?
Replies: 14
Views: 1398

Re: Approx. cost of 2 new garage doors?

Upgraded our garage doors years ago and are happy with better insulation and appearance. The installation was the key. The company installing the doors didn't complete the original effort to our satisfaction but follow on work was good. My takeaway is that is the most important thing. Doors and open...
by Conch55
Fri Apr 05, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 29
Views: 4609

Re: Smartphones with Least Bloatware

An older iPhone such as a 6s or 7 would be a decent choice. I still use a 6s and have no issues with it.
by Conch55
Tue Apr 02, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Second Favorite Financial Forums
Replies: 8
Views: 1532

Re: Second Favorite Financial Forums

http://www.early-retirement.org/ but I often think many of the posters are bogleheads and discussing the same subjects.
by Conch55
Tue Apr 02, 2019 2:42 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 5599

Re: Help on Women and Investing

I disagree that so much effort is required. To be a competent investor you need only to save 15% gross in your 401K's Target Fund plan. Open a Roth IRA and use a Target Fund there. Keep adding. At retirement, begin spending. Reading and learning help develop a comfort level. A person could even bec...
by Conch55
Wed Mar 27, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: Cox Retention Department
Replies: 9
Views: 1544

Re: Cox Retention Department

I was a Cox subscriber for over 25 years and each year I called remind them of my loyalty after they raised my bill. This past renewal period I was not able to convince the retention folks I was still a loyal customer; I was all but told the rate the first line customer support agent was offering wa...
by Conch55
Fri Mar 22, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Lawnmower(s)
Replies: 43
Views: 3256

Re: Lawnmower(s)

I have a couple of Honda mowers for my .5 acre yard. One has a plastic deck and clutch allowing the engine to run with the blade stopped, the other less expensive version without the clutch feature and a metal deck. The cheaper one can be purchased at Home Depot for around $400 and suits most of my ...
by Conch55
Tue Feb 26, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Anyone Keep a Second Fridge in Garage?
Replies: 56
Views: 4253

Re: Anyone Keep a Second Fridge in Garage?

We have had a second refrigerator and chest freezer in our garage for close to 30 years. I never considered not having both. We use the fridge primarily for beverages and excess produce. We are seasonal vegetable gardeners so the space is useful when the crops are peaking. The chest freezer is basic...
by Conch55
Fri Feb 22, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Question about career change into software development
Replies: 9
Views: 509

Re: Question about career change into software development

Anything related to cyber security is big these days. I started as programmer but transitioned into systems administration and general network security responsibilities. While I went the traditional route with a BS in computer science many of my coworkers pursued certifications from Cisco, Oracle, M...
by Conch55
Fri Feb 15, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: visiting Baltimore
Replies: 55
Views: 5274

Re: visiting Baltimore

Miss Shirley's Cafe is a good breakfast/brunch place. Casual but very busy. Several locations around Baltimore including the Inner Harbor.
by Conch55
Thu Jan 31, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 11216

Re: Were you 100% debt free at retirement

In general I looked at debt as something that I could control. There are plenty of potential surprises out of ones control in retirement so I chose to not have debt be one of them. I retired debt free 4 years ago.
by Conch55
Tue Jan 29, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: 12 Person Family Getaway: Keys, Bahamas, Hawaii?
Replies: 11
Views: 810

Re: 12 Person Family Getaway: Keys, Bahamas, Hawaii?

The Outer Banks of NC? The Corolla or Duck area has many large houses that accommodate 12 although I'm not aware of two house compounds for rent.
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: 14615

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: 5075

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: Personal Investments
Topic: Best place to keep track of market
Replies: 24
Views: 1792

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: 1927

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: 2412
Views: 434367

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: US Chapters
Topic: My favorite Boglehead posters
Replies: 142
Views: 9273

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: 482
Views: 52955

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: 2746

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: 3016

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: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7934

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: 4041

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: 3237

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 ...