Search found 72 matches

by Jimbo9911
Wed Apr 01, 2020 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Are cell phones like cars? [Buying new vs buying used or keeping old]
Replies: 62
Views: 3487

Re: Are cell phones like cars? [Buying new vs buying used or keeping old]

Kiter wrote: Tue Mar 31, 2020 6:04 pm Go with your bliss ,I still have a old 5s . Get grief from my younger pals about it .
I have a 5s also. Works fine for me.
Jim
by Jimbo9911
Mon Mar 02, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Retire Old Desktop Computer
Replies: 40
Views: 3039

Re: Retire Old Desktop Computer

I am all for the suggestion of shooting it.
Jim
by Jimbo9911
Mon Mar 02, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Okay, now when you do buy back in?
Replies: 230
Views: 21812

Re: Okay, now when you do buy back in?

Great post HomerJ
Makes every body think!
by Jimbo9911
Wed Nov 13, 2019 11:54 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1760
Views: 230517

Re: Post your Financial Milestone Announcements Here

Don't forget,
The market can certainly go the other direction with no notice.
Jim
by Jimbo9911
Thu Jun 27, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: .
Replies: 88
Views: 5823

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

We all used to get by just fine before TPMS.
I would not replace it. Just look at your tires before heading out and if one is getting low go get it fixed.
Jim
by Jimbo9911
Sat May 25, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Low Flow Shower Heads
Replies: 11
Views: 1294

Re: Low Flow Shower Heads

I am very partial to this Oxygenics head.
But only if you really do like a high pressure spray, it really puts out the pressure.
If you scroll down in the link there are 3 flow rates to choose from.
Jim

https://oxygenics.com/products/skincare ... t-control/
by Jimbo9911
Thu May 16, 2019 9:14 am
Forum: Personal Consumer Issues
Topic: Impossible Burger At Home
Replies: 35
Views: 3116

Re: Impossible Burger At Home

Jack FFR1846 wrote: Thu May 16, 2019 8:38 am Not meat? What is it.....Soylent Green?
"IT's PEOPLE"
Jim
by Jimbo9911
Sat Mar 30, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: I have a car problem - $100K+ Cars
Replies: 48
Views: 7318

Re: I have a car problem - $100K+ Cars

Always pay cash.
And just because a vehicle has good maintenance records does not mean it will not break down.

Jim
by Jimbo9911
Fri Mar 29, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 11120

Re: Tattoos and Bogleheads

I have never gotten a tattoo. Neither has my daughter. I believe it is because I told her that if she got a tattoo that I was going to get the exact same tattoo. I have to say you were clever there..... But also lucky, yes? Once your daughter is past age 18, I'd say odds are good that if she still ...
by Jimbo9911
Fri Mar 29, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 11120

Re: Tattoos and Bogleheads

I have never gotten a tattoo. Neither has my daughter. I believe it is because I told her that if she got a tattoo that I was going to get the exact same tattoo. Worked for her anyway. After seeing some of her older classmates that are now sorry they had the tattoo they now have, she is glad she did...
by Jimbo9911
Mon Mar 25, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: I would like a boat. I also know nothing about boats
Replies: 147
Views: 10655

Re: I would like a boat. I also know nothing about boats

...I also know nothing about boats The first thing to know about a boat is that she will make you very happy twice: first when you buy her and then when you sell her. https://s3.amazonaws.com/lowres.cartoonstock.com/business-commerce-boating-hobby-relaxation-relaxations-sunbather-cwln7102_low.jpg +...
by Jimbo9911
Tue Dec 25, 2018 10:21 am
Forum: Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 548

Re: Which fund to withdraw from?

Thank you all very much. I see my mistake as pointed out by you gents and maybe ladies too. I was looking at the 11/30/18 YTD and did not realize it. I will check YTD again on 12/31/18 but barring a miracle equity recovery will be taking from Bond Index Fund. Merry Christmas and thanks again, your a...
by Jimbo9911
Tue Dec 25, 2018 9:51 am
Forum: Personal Investments
Topic: Which fund to withdraw from?
Replies: 8
Views: 548

Which fund to withdraw from?

We am preparing to take the annual withdrawal from my and my wife's Traditional IRA's in early January. This will be our second time to withdraw since retiring. This is not a RMD. As to which fund to withdraw from. From what I have read the reason for holding bonds is to moderate equity drops, so I ...
by Jimbo9911
Sat Nov 03, 2018 10:54 am
Forum: Personal Consumer Issues
Topic: Should I buy a fire truck?
Replies: 13
Views: 1034

Re: Should I buy a fire truck?

Heck yeah.
Anytime anyone needs something pumped, you will be the MAN!

Jim
by Jimbo9911
Wed Oct 31, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: The most you ever paid for a prescription
Replies: 80
Views: 4027

Re: The most you ever paid for a prescription

$326 for 30 day supply of Budesonide.
That is my co-pay. The cash price is over $1400.00.
We have Silver Scripts prescription insurance.

Jim
by Jimbo9911
Tue Oct 23, 2018 2:48 pm
Forum: Personal Investments
Topic: For those who paid off house - how did you do it?
Replies: 97
Views: 8877

Re: For those who paid off house - how did you do it?

I did #1.
Paid off the 15 year mortgage in 8 years.
Jim
by Jimbo9911
Tue Oct 16, 2018 8:58 am
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2253

Re: Bed bug problem attack plan

One Ping wrote: Sun Oct 14, 2018 4:36 pm
DoTheMath wrote: Sun Oct 14, 2018 2:02 pm "I say we take off and nuke the entire site state from orbit. It's the only way to be sure." -Ripley
Fixed that for you ... :twisted:

:thumbsup
by Jimbo9911
Fri Aug 24, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 11917

Re: I own 1,387 items!

At some level we can draw borders around individual atoms Is it true what I read once, that there are more atoms in a grain of sand than there are grains of sand on every beach in the world? This has been an inspiring thread I have thrown away or put in the donate pile hundreds of things from the g...
by Jimbo9911
Sat Aug 18, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: oil pan threads stripped - pan saver okay?
Replies: 33
Views: 4091

Re: oil pan threads stripped - pan saver okay?

You can buy a new plug, slightly larger that the original. It will have the ability to re-thread the original hole to fit the new plug once you screw it in. Metal oil pans are soft metal and the oversize plug will do the job. Just be sure to use the gasket that comes with it. https://www.lawsonprodu...
by Jimbo9911
Thu Aug 16, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Experian email alert! "Your score decreased"
Replies: 37
Views: 7371

Re: Experian email alert! "Your score decreased"

Why care?
Especially if you do not count on credit to get you through your daily life.
Debt free is where it is at.

Jim
by Jimbo9911
Mon Aug 13, 2018 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 116
Views: 7662

Re: Paper checks yes or no?

Yes to having and using checks.
They can save you money when using a card to pay a bill incurs an additional charge.
That is what I do and I know there are folks that also think only "dinosaurs" use checks.
But I am not quite that ancient.

Jim
by Jimbo9911
Mon Aug 06, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Is It Really That Difficult to Apply for Social Security Online?
Replies: 13
Views: 1230

Re: Is It Really That Difficult to Apply for Social Security Online?

No it is not.
They are only wanting your money, you will have no problem signing up online without their help.

Jim
by Jimbo9911
Wed Jul 11, 2018 11:49 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 7669

Re: 30 Year vs 15 Year Mortgage

We took a 15 year mortgage and after a year or so began paying $1,000 "apply to principal only" payment each month in addition to the scheduled payment.
Paid the whole thing off in about 8 years or so, I believe.
I would suggest that plan.
by Jimbo9911
Wed Jul 04, 2018 9:10 am
Forum: Personal Consumer Issues
Topic: Monthly Water Usage
Replies: 61
Views: 4891

Re: Monthly Water Usage

Family of 3 senior citizens. Monthly water usage averages 961 cu/ft. Bill for water, sewage, garbage and special charge for waste water disposal at local municipality last month is $88.19. Water: 30.58 Sewer: 13.00 Garbage: 14.15 Extra waste disposal charge: 30.46 Edited to convert cu/ft to gallons....
by Jimbo9911
Mon Jul 02, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: YOUR rate of return
Replies: 15
Views: 2482

Re: YOUR rate of return

Personal performance Investment prices and returns

There are 2 selections under my accounts. I think you are on "Investment prices and returns" .
Probably need to click on "Personal performance"

Jim
by Jimbo9911
Mon Jul 02, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: YOUR rate of return
Replies: 15
Views: 2482

Re: YOUR rate of return

kaeltor wrote: Mon Jul 02, 2018 11:55 am I am in the "My Accounts" tab... I can't find "Performance Summary" anywhere...

Try "personal performance" under my accounts.
Jim
by Jimbo9911
Tue Jun 19, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 17141

Re: How much (green) cash at home for emergency ?

Have 8,500 in the gun safe right now. It fluctuates between that and 10,000. 2,200 in hundreds and the rest in 20's, 10's, 5's and 1's. Also about 2,000 face value in per 1964 silver coins. Just want to have plenty of options to negotiate before having to break out the guns. If it becomes necessary ...
by Jimbo9911
Thu Jun 14, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Should I take possession of a certified mail?
Replies: 151
Views: 19233

Re: Should I take possession of a certified mail?

Goodness gracious.
If someone knocks on your door do you go and hide?

I would have to know what is going on with the letter. I would open it.
Ignoring things do not make them go away.

Jim
by Jimbo9911
Thu May 10, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Do we spend too much on food?
Replies: 71
Views: 8206

Re: Do we spend too much on food?

We have 3 adults in the household.
Average for the first 4 months of this year is $956. / month.
That is all food expense, eating out and at home.

Jim
by Jimbo9911
Wed May 02, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 3415

Re: When/how did you start teaching your child about personal finance?

As far as my discussion above about teaching my daughter to balance a check book, this was 26 years ago. There was no such thing as online bill pay nor ACH payments from your bank. It was a way of teaching her to be responsible with money and be sure she had the money in her account before writing a...
by Jimbo9911
Tue May 01, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 3415

Re: When/how did you start teaching your child about personal finance?

My daughter is 34 now. We got her a checking account when she was about 7 or so and taught her to use it and to balance her account monthly. I am amazed when she tells me how many of her acquaintances do not know how to balance a check book, or even how to write a check. She is a great money manage...
by Jimbo9911
Fri Apr 20, 2018 9:22 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1760
Views: 230517

Re: Post your Financial Milestone Announcements Here

To quote Bob Brinker, My spouse and I are in the , "Land Of Critical Mass",and have been so for quite a while. Keeping debt to a bare minimum,investing frequently(reinvesting)got us there. Count Our Blessings Every Day. :happy If you will. . . what is the "Land of Critical Mass"? Never heard that b...
by Jimbo9911
Wed Apr 18, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3208
Views: 552817

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

Negative 0.98% year to date.
60/40 stocks to Bonds.
Jim
by Jimbo9911
Fri Apr 13, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: When/how did you start teaching your child about personal finance?
Replies: 34
Views: 3415

Re: When/how did you start teaching your child about personal finance?

My daughter is 34 now. We got her a checking account when she was about 7 or so and taught her to use it and to balance her account monthly. I am amazed when she tells me how many of her acquaintances do not know how to balance a check book, or even how to write a check. She is a great money manager...
by Jimbo9911
Sat Mar 24, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 10663

Re: What Budget? Do you keep one?

No hard line budget here. We do tract spending though and have for for the last 5 years. We both retired within the last 18 months. It has worked out that with social security as out only guaranteed income, plus the 2% that we withdrew from our Vanguard IRA investments for this year, we are accumula...
by Jimbo9911
Wed Feb 28, 2018 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Will my lax approach to record keeping fly in an audit?
Replies: 40
Views: 4570

Re: Will my lax approach to record keeping fly in an audit?

I received a letter from the IRS asking for over $8,000 in additional taxes. Due to: An IRA rollover A HSA distribution And a 1099 from IBM. I had all the paper work necessary to fight it except the IBM 1099. I sent in documentation that the IRA rollover occurred within the allowed time period (60 o...
by Jimbo9911
Wed Feb 28, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 10490

Re: Physical cash

We have 7,500 in the gun safe. Lots of small bills along with the 2,200 in hundreds. I always have at least 2-3 hundred in my wallet. There are just some things that you can not put on a credit card. Plus, how many times have you waited behind some person at at store that has to pull out his or her...
by Jimbo9911
Wed Feb 28, 2018 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Physical cash
Replies: 121
Views: 10490

Re: Physical cash

We have 7,500 in the gun safe. Lots of small bills along with the 2,200 in hundreds. I always have at least 2-3 hundred in my wallet. There are just some things that you can not put on a credit card. Plus, how many times have you waited behind some person at at store that has to pull out his or hers...
by Jimbo9911
Mon Feb 19, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Selling Timber
Replies: 37
Views: 3837

Re: Selling Timber

I did not read the whole post but: I know some folks whose families have made their living in the timber business for many years as the people who buy, cut and sell the timber. Their advice is to never sell your timber based on someone's estimate of the board feet because that is never an accurate e...
by Jimbo9911
Mon Feb 19, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Gorilla Tape for Labels?
Replies: 14
Views: 1486

Re: Gorilla Tape for Labels?

Why not just write on the container itself with a Sharpie and then tape over that writing if you ever need to change the contents label?

Jim
by Jimbo9911
Mon Feb 12, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Birding binoculars under $500?
Replies: 21
Views: 2051

Re: Birding binoculars under $500?

I have Nikon Monarch 3 for hunting and they should be just fine for birding. Very clear for the price. The binocs are great but the end cap covers are quite poor and will not stay in place when covered. Than may not cause you a problem as they do come with a case. Jim edited to correct the name of t...
by Jimbo9911
Mon Feb 12, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 25101

Re: For BHs who actually like cars - [what car do you drive every day?]

Ford F150.
All I have owned since I got rid of my VW Super Beetle in 1980.
Wife has a car though.
Jim
by Jimbo9911
Fri Feb 02, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 9988

Re: Anyone else cashing out on *some* of the crazy earnings?

I too believe a correction is coming. But Im not interested in cashing out. Instead, I'm stacking cash and waiting to lower my cost basis. Im also mostly invested in index funds. That said. I bought GE @30 a while back. Today I bought a good amount at 16. I don't beleive GE is at the bottom, but I ...
by Jimbo9911
Wed Jan 24, 2018 9:06 am
Forum: Investing - Theory, News & General
Topic: Individual Stocks That Went Bust
Replies: 110
Views: 10738

Re: Individual Stocks That Went Bust

Hercules Offshore (HERO). The one time I played with an individual stock, never again. When the price finally got down around $5. per share following the moratorium on offshore drilling I figured it had to be ready to come back up. Invested $5,000 of gambling money and lost it all. Growth of $10,000...
by Jimbo9911
Mon Dec 11, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do with your first RMD withdrawal money?
Replies: 71
Views: 8315

Re: What did you do with your first RMD withdrawal money?

I didn't read the study in the first quote, but here is the reference: Poterba, Venti, and Wise "The Drawdown of Personal Retirement Assets" NBER Working Paper 16675 (January 2011) As an aside, perhaps one of the reasons for Wellington and Wellesley to do so well is that no one ever withdraws any s...
by Jimbo9911
Tue Nov 21, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 9090

Re: How much do you budget for vacation?

pacamoky wrote: Sun Nov 19, 2017 8:48 pm Speaking of vacations, does anyone else struggle with feeling some remorse due to the carbon footprint created from traveling?
I don't.
Jim
by Jimbo9911
Tue Nov 14, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: The fear of retirement, black swan, and math to dissuade the fear.
Replies: 136
Views: 16792

Re: The fear of retirement, black swan, and math to dissuade the fear.

But did you not get the fact that 25X in itself is extremely rough number (aka inaccuracy) itself? Much of this type of discussion seems to be so laughable if one has taken rudimentary statistical courses. Before somebody tells me how Trinity research proved that 4% worked but 4.01% failed and thus...