Search found 179 matches

by Conch55
Fri Nov 16, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: My experience with iPhone6s battery replacement
Replies: 12
Views: 658

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: 58
Views: 3281

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: 1602

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: 1371

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: 1371

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: 18275

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: 18275

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: 2922

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: 3819
Views: 1078420

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: 6417

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: 3030

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: 1875

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: 2017

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 freefall
Replies: 7832
Views: 1607610

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: 697

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: 697

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: 1052

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: 4447

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: 6700

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: 3859

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: 5915

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: 5354

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: 4316

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: 1487

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: 2769

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: 1962

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: 4084

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: 4084

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: 7166

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: 19259

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: 1314

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: 3329

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: 4540

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: 1941

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: 1918

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: 7667

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: 5421

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: 10666

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 ...
by Conch55
Mon Mar 26, 2018 5:45 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372267

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

-1.8% with 55/45 AA.
by Conch55
Fri Mar 23, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Your favorite Florida beach??
Replies: 52
Views: 5541

Re: Your favorite Florida beach??

From my perspective time of the year is key. Summer is going to be warm and beachy everywhere. All of the recommendations are good. Now if you are talking about winter I'd say the southern gulf coast is better. Specifically, Fort Meyers to Marco Island. Beaches are good although I can't vouch for th...
by Conch55
Fri Mar 02, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Athens Greece in Sept
Replies: 17
Views: 1450

Re: Athens Greece in Sept

Maybe take the subway to Piraeus and catch a ferry to one of the islands close to Athens. Aegina is one suggestion.
by Conch55
Sun Feb 25, 2018 3:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078420

Re: What Movie Have You Recently Watched?

American Made: action, humor, drug cartels, gun running, politics. Enjoyable. :beer
by Conch55
Tue Feb 20, 2018 6:27 am
Forum: Personal Consumer Issues
Topic: New Seattle travel suggestions request
Replies: 10
Views: 960

New Seattle travel suggestions request

I have read previous posts related to summer travel to Seattle but am hoping for updated information. Wife and I are planning a 7-8 day August 2018 trip to the Seattle area to attend a wedding and do some sightseeing. We will fly to the Seattle airport from the east coast. Our initial thoughts are t...
by Conch55
Mon Feb 19, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: What seems to matter
Replies: 25
Views: 4129

Re: What seems to matter

The only things you can control in investing are;
1) How much you save or spend each year.
2) Your asset allocation.
3) Keeping investing costs low.
Totally agree with this advice. One can count on seeing ups and downs over the long-haul but discipline and planning matter. Control what you can.
by Conch55
Mon Feb 12, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 15809

Re: What big item (>20k) are you saving up for?

College educations and weddings for two kids were the biggest expenses we saved for. Both exceeded 20k.
by Conch55
Mon Feb 05, 2018 5:05 pm
Forum: Investing - Theory, News & General
Topic: Young vs Middle Aged?
Replies: 32
Views: 3505

Re: Young vs Middle Aged?

Middle age is 40-55 when priorities such as family and retirement are priorities. Young is the freedom one has before those constraints kick in. I'm past both but don't know how to categorize the current situation .
by Conch55
Mon Jan 22, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security website
Replies: 10
Views: 1252

Re: Social Security website

I was able to login to the my Social Security website a few minutes ago. I was not able to access the site earlier today as others have mentioned. Possibly related to the Senate agreement to fund.
by Conch55
Wed Jan 10, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: antivirus for windows 7
Replies: 10
Views: 724

Re: antivirus for windows 7

I continue to use Windows 7 and have not had any problems with malware or viruses of which I am aware. I use Microsoft Security Essentials, Malwarebytes and run BleachBit to cleanup old files. All versions of the listed software are free.
by Conch55
Wed Jan 10, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 3971

Re: What would you do with a 25 million windfall?

Continue to live my retired life but perhaps at a higher level of comfort
Travel more with no reservations, figuratively of course
Give some to livesoft, because he occasionally asks :happy
Not change my IPS other than to plan for a more generous estate
That's about it
by Conch55
Mon Jan 08, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 49
Views: 3505

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

One other area of interest, I’m an avid runner and being able to run outside daily or every other day would be very nice (I run 6+ miles daily with a 13+ mile long run one day a week). I also saw that the Munich Half Marathon is slated to take place while we’re there (4/28), and I’ve contemplated r...