Search found 604 matches

by Slacker
Wed Oct 17, 2018 9:49 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 104
Views: 7601

Re: Should we move to San Diego from east coast?

I don't think your annual income of 195K (remember that is pre-tax) is sufficient to give you a decent lifestyle in San Diego.My income is $250k and I don't think I can afford it. Are you willing to live in a neighborhood that you would not consider in your current location? Weather is great there,...
by Slacker
Wed Oct 17, 2018 9:13 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 224
Views: 25770

Re: High End Wrist Watches (Gone Crazy)

I really enjoy "living vicariously through others", thanks for continuing to post OP. I had my first "luxury" watch given to me by my parents this last Christmas. (A $300 Garmin Fenix 3 sapphire - prior year model, so it had just dropped in price by $200 since the Fenix 5 came out). Not in the same ...
by Slacker
Wed Oct 17, 2018 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 61
Views: 4974

Re: Did you retire because you hit your number?

Combination of reasons... in no particular order. Political changes had made it impossible to make further achievements towards goals. Goals had been largely achieved. Number had been reached. When your eyes turn brown they have filled you up and it's time to go. I was 64 and April Fool's Day 2012 ...
by Slacker
Mon Oct 15, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10846

Re: Talk me out of buying a Tesla Model 3

Why can't you put a towing hitch on a 911 and then use a tow hitch bike rack? I can fit my mountain bike in my hatchback, but not our whole family's so we added a tow hitch and got one of those tow hitch bike racks that can fit 4 bikes. Does no one make a tow hitch that can fit the 911?
by Slacker
Thu Oct 11, 2018 9:50 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3112

Re: Budget Coffee

Aldi donut shop blend whole bean coffee- $5 per pound and outstanding for the price! I would buy Aldi coffee but they don't sell this in ground and I am too lazy to grind my own coffee. I switched to Simple Truth now. I can buy it on sale for maybe $6. I actually prefer it over some of the "hipster...
by Slacker
Thu Oct 11, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5861

Re: Black Friday is coming.. what's on your list?

Wake up at some time. Eat leftovers. Enjoy the day off. You are very lucky to have a day off. I'm a govt worker, so as soon as I pick up my kitty litter I'm going to be bashing away at a keyboard for the next 8hrs chained to the desk. We only get Thanksgiving off (I think this is made up for by hav...
by Slacker
Thu Oct 11, 2018 6:28 am
Forum: Personal Consumer Issues
Topic: Black Friday is coming.. what's on your list?
Replies: 70
Views: 5861

Re: Black Friday is coming.. what's on your list?

A years supply of kitty litter. Usually close to 1/2 price on black friday.
by Slacker
Mon Oct 08, 2018 11:20 pm
Forum: Investing - Theory, News & General
Topic: "Safe" Withdrawal Rate for Early Retirees (or any retiree)
Replies: 187
Views: 14236

Re: "Safe" Withdrawal Rate for Early Retirees (or any retiree)

We've come to the following as being the plan that we can live with (and die with) for our portfolios: 1. We will retire when our portfolio * 2.5% = our basic necessities (housing, food, utilities, taxes, healthcare, home maintenance). 2. We will then proceed to withdraw 5% of the portfolios value e...
by Slacker
Mon Oct 08, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10846

Re: Talk me out of buying a Tesla Model 3

Starfish wrote:
Mon Oct 08, 2018 8:29 pm
My question in all this discussion would be how do you get 1.6 milion in NW with 160k salary while driving a 911 :D
The power of having no kids... :twisted:
by Slacker
Mon Oct 08, 2018 5:43 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6462

Re: Market decline in 2019 ?

How did you feel about the early 2016 correction?
Did you make any changes to your asset allocation?
If yes, did you maintain those changes until today and are you now getting cold feet about your new allocation?
If no, what changed for you now?
by Slacker
Mon Oct 08, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10846

Re: Talk me out of buying a Tesla Model 3

$1M assets? Paid off $600K house? $160K income? It doesn't look like you typically live beyond your means and are irresponsible with your finances. In your position, if I wanted the Tesla I would buy the Tesla. Personally, I couldn't compare the Jaguar I-Pace or any of the other mentioned SUVs to a ...
by Slacker
Sun Oct 07, 2018 10:27 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6118

Re: Poll: BHs who rent - what % of gross do you spend on rent?

How the HECK are these people spending so little on rent? 5%? How is that even possible? Do you live in a dumpster? How are are you people calculating it? based on Gross Annual Income? Monthly gross? Net income? Please someone explain because these percentages can vary wildly depending on net or gr...
by Slacker
Sun Oct 07, 2018 10:11 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6118

Re: Poll: BHs who rent - what % of gross do you spend on rent?

How the HECK are these people spending so little on rent? 5%? How is that even possible? Do you live in a dumpster? How are are you people calculating it? based on Gross Annual Income? Monthly gross? Net income? Please someone explain because these percentages can vary wildly depending on net or gr...
by Slacker
Sun Oct 07, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Poll: BHs who rent - what % of gross do you spend on rent?
Replies: 84
Views: 6118

Re: Poll: BHs who rent - what % of gross do you spend on rent?

When we were renters earlier this year we spent less than 8% of gross on rent for a 4bdrm/2.5bath 2800sq ft home with a pool in AZ. AZ is too hot, and the low cost of living was not enough enticement to stay there (we even accepted a 40% increase in income taxes to get out of the heat).
by Slacker
Sat Oct 06, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 29
Views: 2866

Re: Garage Shelving?

It's hard to beat the price of the 2x4 and plywood/OSB style homemade shelving. If you're not the DIY type, look also at your local home improvement stores. Costco isn't automatically the best value. That said, $250 for a well made set of 2' x 8' shelves is a pretty respectable price, in my opinion...
by Slacker
Sat Oct 06, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 29
Views: 2866

Re: Garage Shelving?

It's fall time and I tried to move some summer stuff into the garage but ran out of space :( I found SafeRacks in costco for $250 which is quite expensive imho. Any suggestions for cheap (but safe) garage shelves? ...and that's the sale price for 2 of the 4'x8' racks! Regular price is $200 each at ...
by Slacker
Sat Oct 06, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8942

Re: 20 countries where 200K in retirement savings will last you decades

Here's my geopolitical/quality of life take on the countries on the list. Mind you, I lived in Colombia during the heyday of the drug cartels, so I can tolerate quite a bit of violence before things get to me (so long as I have electricity, good food, and functional plumbing). Belize High crime rat...
by Slacker
Fri Oct 05, 2018 11:44 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13332

Re: Correlation between the FIRE movement and one of the greatest bull markets

All the talk about FIRE is overblown. Statistically and economically speaking, FIRE is not possible for the vast majority of the population. There is a type of market efficiency argument against FIRE: if most people (heck, even if 10%) were able to FIRE, then who is going to work and produce stuff?...
by Slacker
Fri Oct 05, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8942

Re: 20 countries where 200K in retirement savings will last you decades

Loved Belize. English is the official language and they have the value of their currency pinned to the dollar ($2 belize = $1 US last time I was there). Even seemed like fewer mosquitoes in Belize than there are in NC :D I estimated we could probably live in Belize on $2000 / month if we really want...
by Slacker
Fri Oct 05, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 369
Views: 48875

Re: MoviePass-Too good to be true, but it's legit.

Cancelled moviepass about a month ago due to the random selection of six movies which changed constantly. Won't be using AMC alist as the nearest AMC is a filthy rundown theater that is unpleasant to watch movies in. Luckily a local chain has $5 movies all day Tuesday and they have a clean comfortab...
by Slacker
Fri Oct 05, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13332

Re: Correlation between the FIRE movement and one of the greatest bull markets

On paper I think you are right, Watty. FIRE just seems counter-intuitive. Even with good insurance things can get very costly, and we can't insure against every negative in life. I'm in the camp of keep working, keep saving while you still can and while it is still reasonably expected of you by soc...
by Slacker
Thu Oct 04, 2018 9:03 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13332

Re: Correlation between the FIRE movement and one of the greatest bull markets

michaeljc70 wrote:
Thu Oct 04, 2018 8:14 pm
I thing the underlying point is if you need other income to survive, you are not retired.
Such an excellent definition...but will the person I quoted also agree with such a definition? I am doubtful about that.
by Slacker
Thu Oct 04, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13332

Re: Correlation between the FIRE movement and one of the greatest bull markets

FIRE is not growing .... what is growing is being a stay-at-home Dad while your wife works and provides employer healthcare benefits, while you blog about it and get income from that and call it all "Early Retirement". Apparently, you can also go into paid self-employment, and as long as you like y...
by Slacker
Thu Oct 04, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: How many months/years of living expenses do you save each year?
Replies: 29
Views: 3409

Re: How many months/years of living expenses do you save each year?

1. Almost 2x our annual expenses go into savings of various "buckets"
2. Yes, our taxes paid (fed income, SS, Medicare, State income) are larger than our annual expenses without including property tax, utilities taxes, and sales tax. The govt(s) use more of our paycheck than we do.
by Slacker
Thu Oct 04, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13332

Re: Correlation between the FIRE movement and one of the greatest bull markets

Many also saw that you can't rely upon employers to always provide you with a job that allows you to continue spending your entire paycheck with the great recession. Even if you kept your job (or you know people that kept their jobs), bonuses and pay raises were frozen in many cases. Granted, the hi...
by Slacker
Tue Oct 02, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 15
Views: 2481

Re: Playing with FIRE(Financial Independence) documentary trailer.

I probably would not watch it, for the same reason as why someone who has found a diet that works for her won't need to read a book on dieting and weight loss. If the movie comes out, I will recommend it to several people I know, but they probably won't watch it either, for the same reason as why t...
by Slacker
Tue Oct 02, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4744

Re: Buying a new Toyota Camry. What extra options if any?

We had a 2018 as a rental last weekend and it was thoroughly underwhelming. It had all sorts of ground effects - lip spoiler and trunk spoiler, but apparently a 4 cylinder motor. It was completely anemic, even on level ground. Interior was really grim with hard plastic everywhere and stiff, flat fo...
by Slacker
Tue Oct 02, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 4744

Re: Buying a new Toyota Camry. What extra options if any?

IIHS numbers: Blind Spot Monitor reduces lane change accidents by 14% and reduces lane change accidents with injury by 23% Automatic Emergency Braking reduces front to rear accidents by 50% and reduces these accidents with injury by 56% Lane Departure warning reduces single vehicle, sideswipe and he...
by Slacker
Sun Sep 30, 2018 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1879

Re: Help me with avoiding liability for personal injury on our property

Hello, We recently bought a house and the back of the lot ends at a 3' to 4' tall retaining wall which is next to a sidewalk that is frequently used by people in the neighborhood. The backyard is fairly level to the retaining wall and then there is a 3-4 foot drop down to the sidewalk. There are ta...
by Slacker
Sun Sep 30, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1879

Re: Help me with avoiding liability for personal injury on our property

Thank you for the input.

We do have an umbrella policy.

I think planters may be a workable solution that has a nice appearance.
by Slacker
Sun Sep 30, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Help me with avoiding liability for personal injury on our property
Replies: 23
Views: 1879

Help me with avoiding liability for personal injury on our property

Hello, We recently bought a house and the back of the lot ends at a 3' to 4' tall retaining wall which is next to a sidewalk that is frequently used by people in the neighborhood. The backyard is fairly level to the retaining wall and then there is a 3-4 foot drop down to the sidewalk. There are tal...
by Slacker
Thu Sep 27, 2018 2:08 pm
Forum: Personal Consumer Issues
Topic: YouTube Home workout vidoes
Replies: 33
Views: 2350

Re: YouTube Home workout vidoes

I would recommend looking up Athlean-X on YouTube. Jeff Cavaliere is one of the most qualified and knowledgeable individuals on YouTube, and although most of his content is geared towards weightlifting, he has several videos that I can think of off the top of my head which are relevant to cardio an...
by Slacker
Sat Sep 22, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Home away from home
Replies: 20
Views: 2230

Re: Home away from home

There are usually "extended stay hotels" that include a full kitchen. The ones I've stayed at in various cities often seemed to be popular among the airline crews too. Perhaps ask the crew on the next flight for some recommendations. These "hotels" were often very similar to a condo.
by Slacker
Sun Sep 16, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Considering Quitting Job - Seeking Advice. Would you do it?
Replies: 154
Views: 12124

Re: Considering Quitting Job - Seeking Advice. Would you do it?

We had a family member working those kind of hours for the last several years of their career, but for far less salary and rewards. They passed away recently due to health complications. I can't help but believe that the work stress was a major contributing factor in their untimely death at 42. They...
by Slacker
Tue Sep 11, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else not save for cars?
Replies: 113
Views: 10259

Re: Anyone else not save for cars?

Is there a trick to getting “near zero” auto loan interest rates? I checked current rates on bankrate.com and am seeing 4-5%. My local credit union has rates on 3-5 year loans below the corresponding treasury yield. If I were in the market for a new car that would be “sub zero” from my perspective....
by Slacker
Tue Sep 11, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: After a couple of years I'm back - take a peak and tell me how I'm doing - all advice welcome!
Replies: 9
Views: 1162

Re: After a couple of years I'm back - take a peak and tell me how I'm doing - all advice welcome!

JBTX wrote:
Tue Sep 11, 2018 8:34 am
If I read it correctly, you only have $25K of emergency fund, and no other liquid non retirement assets. That seems kind of thin to me. But you do have access to a HELOC, so that is good.
If truly an "emergency" they could tap the Roth IRA contributions as well.
by Slacker
Tue Sep 11, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3200

Re: Father Wants a Home Mortgage (Bad Credit Score)

I haven't stepped into anything at the moment unless you count trying to help him find a willing lender. I told him I would make a post on this site to get ideas or potentially find someone willing to take on the risk (with a higher interest rate to compensate) and did not agree to anything else. ....
by Slacker
Thu Sep 06, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: My recent experience with buying custom window blinds
Replies: 27
Views: 2786

Re: My recent experience with buying custom window blinds

Installing blinds is easier (and far safer) than changing the brake pads on a car or changing a garbage disposal unit. I'm surprised that the DIY nature of many people's responses on other posts doesn't extend to blinds. We just buy the blinds from home depot or lowes and install them ourselves. Jus...
by Slacker
Tue Sep 04, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: When do you drop collision insurance?
Replies: 52
Views: 2965

Re: When do you drop collision insurance?

In some states UIM (under or uninsured motorist coverage) also covers physical damage to your vehicle even when you don't carry collision or comprehensive. In those cases, worry of the other party not having insurance should not apply. Washington state with USAA was one such combination and I had to...
by Slacker
Sun Sep 02, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18509

Re: How to Retire in Your 30's with $1 Million in the Bank

As some people have noticed, the quickest way to get to the requisite multiple of your expenses is to work on the denominator :) Also, software development (a.k.a. "tech") is prone to burnout, partly because of constant deadline pressure but mostly because everything is critical path. If you're an ...
by Slacker
Fri Aug 10, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2450

Re: Moving soon; whom to hire to help me move?

I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names ...
by Slacker
Thu Aug 09, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2450

Re: Moving soon; whom to hire to help me move?

Just an additional note: we work from home and so I also didn't want to have to take additional vacation days waiting on the movers schedule to get our office setup vs being able to arrive at location with our office gear and get right back to work. Prefer to use my vacation time for actual vacations.
by Slacker
Thu Aug 09, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2450

Re: Moving soon; whom to hire to help me move?

Just moved cross country. Allied quoted us $7500 (with us driving our cars ourselves). We did it with hired labor and a rental truck with one car dolly for $3000 total including all the rental truck insurance options. We're not yet in our 50s, and I felt that the$4500 savings was worth it. We did no...
by Slacker
Tue Aug 07, 2018 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Loan Help
Replies: 11
Views: 839

Re: TSP Loan Help

Do you have any of these options? 1. Emergency fund 2. Roth IRA contributions 3. HELOC 4. Taxable account savings - pay the capital gains taxes and sell shares 5. Ask parents for help??? ...or just start cutting expenses to the bone and pay as much of the loan as you can in 90 days and take a tax hi...
by Slacker
Sat Jul 14, 2018 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Early retirement
Replies: 145
Views: 14635

Re: Early retirement

I am entitled to my opinion, just as you yours. 55 is up there ... means you've been working for almost 40 years. I started my first job at 16. Its not only military. State and government workers can do the same. So can those who focus on investments which produce cash flow. On this forum, 55 may b...
by Slacker
Fri Jul 13, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5857

Re: Would you trade experiences in your youth for early retirement

If I could go back and take back 50% of the dollars I wasted on alcohol at bars and clubs in my 20s to pad my retirement accounts, I would do it in a heartbeat. Due to those "experiences" being alcohol fueled, I wouldn't miss out on much as far as "memories" go...
by Slacker
Wed Jul 11, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4942

Re: Which advanced tech is necessary in cars?

I have to admit that I actually find it a little annoying that so many people don't use cruise control on their cars when driving down the highway. The constant changing of speed, travelling at 65mph for 1/2 mile then 63 mph for 1/2 mile then 69mph for 1/2 a mile is a little annoying when you don't ...
by Slacker
Tue Jul 10, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4942

Re: Which advanced tech is necessary in cars?

Self parking: apart from the salesman's demo, I have not sorted out how to use this! May be useful in congested cities? The self parking in our Toyota for backing into a spot seems to have a TON of problems. However, with a back up camera and parking distance sensors doing my own backing into a par...
by Slacker
Tue Jul 10, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Which advanced tech is necessary in cars?
Replies: 86
Views: 4942

Re: Which advanced tech is necessary in cars?

Apart from most standard safety features I would personally never buy a car without - Backup camera - Blind spot warning/monitoring - Adaptive Cruise control I've seen a backup camera in friends' cars. I can imagine that being a useful feature. I'm not so sure about the blind spot warnings - that s...
by Slacker
Tue Jul 10, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5770

Re: Should I take a $60k paycut to work 4days/week

A very personal decision but I'll give you my opinion and what I would personally do. I would absolutely take the smaller work schedule and work 4 days a week if the family income is still $340K/yr. My kids are teenagers about to go to college now and I would love to have had more time with them whe...