Search found 135 matches

by 5th_Dimension
Fri Sep 27, 2019 3:21 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 246
Views: 29048

Re: What is your AA, given your age? and, Why?

60 years old and 60/40. I was at 70/30 before the last big dip in December but decided that was a bit too rich in equities for me to sleep well. I moved enough into fixed assets to have around 5 years worth of cash and bonds and now I feel much better :happy
by 5th_Dimension
Tue Sep 17, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 77
Views: 6013

Re: Spreadsheets

My spreadsheet is like the Winchester Mystery House. I keep adding things to it just because I think of something else that might be cool to keep track of. Someone looking at it from the outside however might think me a bit obsessive :happy
by 5th_Dimension
Fri Sep 13, 2019 12:35 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 941
Views: 126588

Re: Post your Financial Milestone Announcements Here

miamivice wrote:
Fri Sep 13, 2019 7:27 am
Silly milestone today.

401k in my 401k.
That's one of the best milestones I have seen :D
by 5th_Dimension
Sat Aug 31, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Electric razors
Replies: 25
Views: 2062

Re: Electric razors

I needed to replace the heads on my Norelco rotary razor and was seeing a lot of negative comments about the quality of the replacements. The newer heads seem to be very inferior to what Norelco used to sell. I switched to a Panasonic Arc5 and so far it seems to be a very nice razor.
by 5th_Dimension
Thu Aug 29, 2019 3:43 pm
Forum: Personal Investments
Topic: First post - Waking up!
Replies: 3
Views: 1139

Re: First post - Waking up!

Welcome to the forum! I will leave the it to other members more knowledgeable than me to give you recommendations, however to get the best and most complete advice you should give us the information in this format: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 My opinion on your initial ...
by 5th_Dimension
Wed Aug 28, 2019 2:11 pm
Forum: Investing - Theory, News & General
Topic: I don't like Bonds because I
Replies: 31
Views: 2698

Re: I don't like Bonds because I

I got 10/10 but I guessed on 3 of them. Before this site I didn’t know anything about bonds. :happy
by 5th_Dimension
Fri Aug 23, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?
Replies: 18
Views: 1060

Re: Best FOSS for Video Production, Audio Production, Photo Editing, and Office Suites?

I've used Reaper for doing some low level music mixing. I only scratched the surface of what it can do but it is an amazing piece of software.
by 5th_Dimension
Sun Jul 28, 2019 10:46 am
Forum: Personal Investments
Topic: Laid Off - Want to Retire / Am I OK
Replies: 145
Views: 18940

Re: Laid Off - Want to Retire / Am I OK

Re: lay-off, I am not going to say I am sorry for you. You have inadvertently done what I have been trying to do for two years. So, Congrats on an epic exit! :sharebeer This is the way I feel about it too. I was let go from a job years ago. I had been doing more and more independent consulting at t...
by 5th_Dimension
Thu Jul 18, 2019 11:41 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 137
Views: 14170

Re: House not appraising for amount we were offered!

We built a very nice pole barn in 2012 that cost 21k and he assigned a value of only 20k to that building! I'd argue you got lucky there. Surely there has been more than $1000 of depreciation to your pole barn in 5 years. Also kitchen updates are definitely not 1:1 on raising the value of your hous...
by 5th_Dimension
Wed Jul 17, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: Apple Watch Worth The $$$?
Replies: 41
Views: 3761

Re: Apple Watch Worth The $$$?

I have a Series 0 (the first one) and love it.
by 5th_Dimension
Thu Jul 11, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Helping senior with Apple Devices
Replies: 2
Views: 574

Re: Helping senior with Apple Devices

Kudos to you for spending your time volunteering to help seniors. :sharebeer I work with many many seniors, both with Apple and Windows devices. My thoughts. Please don't install any of those apps on their computers. If you would like to run them from your external hard drive fine. I am constantly c...
by 5th_Dimension
Wed Jul 10, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 9542

Re: Who cuts your hair? And for how much?

I go to a local hair salon. A cut and color costs me $55 and last time I gave my stylist $90. She is very sweet and a hard worker and I like passing along some of my good fortune. Plus when I find someone who can successfully give my hair that unemployed surfer dude look it is worth every penny :happy
by 5th_Dimension
Thu Jun 27, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Need guidance on a tricky situation
Replies: 21
Views: 1234

Re: Need guidance on a tricky situation

Thank your friend for watching your house and your dog and pay the bill yourself. If he offers to pay refuse it. He did you a favor, and stuff happens. Just my opinion of course :happy
by 5th_Dimension
Mon Jun 17, 2019 8:19 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 893
Views: 300921

Re: Variable Percentage Withdrawal (VPW)

Thank you for the explanation :happy
by 5th_Dimension
Mon Jun 17, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 893
Views: 300921

Re: Variable Percentage Withdrawal (VPW)

Longinvest, Thank you for taking the time to make these spreadsheets. One feature you had on previous spreadsheets was the ability to put in an inheritance amount to be left at the end of the term. That might be useful to have in this one as well. I like the idea of having a buffer amount available ...
by 5th_Dimension
Fri Jun 07, 2019 10:59 am
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3554

Re: Chewy IPO

We have a very finicky cat with medical issues and he is down to only liking one particular brand and flavor of food. The local Petsmart carries it but most of the time is out. Found it on Chewy, ordered two cases at 5 in the evening. It arrived before noon the next day. Impressive. Amazon had limit...
by 5th_Dimension
Tue Jun 04, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: Downsides of VPW?
Replies: 101
Views: 7597

Re: Downsides of VPW?

The new spreadsheet I'm proposing to build (see this post ) won't require putting money into a separate cash investment to bridge the gap in income between retirement and the start of a pension. Instead, it will fund the bridge from the single retirement portfolio and estimate the resulting require...
by 5th_Dimension
Mon Jun 03, 2019 10:05 pm
Forum: Personal Consumer Issues
Topic: Quitclaim transfer of property in a Trust
Replies: 3
Views: 334

Re: Quitclaim transfer of property in a Trust

Please post back what you find out as I have a similar situation that I need to address :happy
by 5th_Dimension
Mon Jun 03, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Remote control for an Apple TV 4k
Replies: 10
Views: 690

Re: Remote control for an Apple TV 4k

I have 3 of these on my Apple TV remotes. I like them.

https://www.amazon.com/Fintie-Protectiv ... 223&sr=8-3
by 5th_Dimension
Tue May 28, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Remote control for an Apple TV 4k
Replies: 10
Views: 690

Re: Remote control for an Apple TV 4k

If I remember correctly, I think you can "train" the Apple TV to use any remote you want. Here's an article, for example: https://www.macworld.com/article/3011167/how-to-use-any-remote-control-with-your-apple-tv.html -desiboy I use a Harmony One remote with our Apple TV 4Ks. It does work much bette...
by 5th_Dimension
Thu May 23, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 13190

Re: Is the housing market starting to collapse?

Housing prices in the Inland Empire area of SoCal have been dropping, and the houses are sitting on the market longer. This is especially true in the >$500,000 range. Houses around $400,000 or less seem to be moving faster.
by 5th_Dimension
Thu May 09, 2019 2:43 pm
Forum: Personal Investments
Topic: Lower risk is in my plan but I just can't!
Replies: 52
Views: 4438

Re: Lower risk is in my plan but I just can't!

The drop at the end of last year caused me to rethink my risk tolerance. I'm the same age as you. My new plan is to have enough in fixed income to cover five years of expenses and then let the equity side do what it wants. Last month I moved enough from equities to go from 70/30 to 65/35, which almo...
by 5th_Dimension
Thu Apr 18, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Home Page for Your Computer:
Replies: 17
Views: 1415

Re: Home Page for Your Computer:

I like Google News, it gives me a good overview of what is going on.

https://news.google.com
by 5th_Dimension
Tue Apr 16, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 15548

Re: What is your hobby and how did it come to be your hobby?

Radio controlled sailplanes, for competitions and for fun. Someone bought me a cheap drone several years ago for Christmas and now I'm into the hobby for many thousands of dollars.
by 5th_Dimension
Fri Apr 12, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: Mac mail malfunctioning - keeps asking for my gmail passwords
Replies: 9
Views: 794

Re: Mac mail malfunctioning - keeps asking for my gmail passwords

I had this problem awhile back, so I deleted both AOL and gmail from my Apple mail. Not elegant, but it solved the problem. I quit using AOL completely after that, and I check gmail from the Google browser. I use Apple as my primary email account, and that still works fine. This will probably solve...
by 5th_Dimension
Sun Apr 07, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 16
Views: 1816

Re: Computer Security

From my experience Malwarebytes is a critical piece of software to have on a machine. I have worked on literally hundreds of computers where the following has happened: I know the machine is infected with malware, either by the way it is running, or actual redirects or pop ups. The client has a full...
by 5th_Dimension
Sun Mar 31, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 16239

Re: How often do you check your net worth?

I enter fund prices every day into my asset spreadsheet so I see my net worth every day. Maybe I won't check as often after I cross the 2 comma threshold but I wouldn't bet money on it :happy .
by 5th_Dimension
Thu Mar 28, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Been hacked - search for my online accounts?
Replies: 9
Views: 1075

Re: Been hacked - search for my online accounts?

This is a scam that has been going around for a while. https://www.pcrisk.com/removal-guides/14303-you-may-not-know-me-email-scam https://forums.att.com/t5/AT-T-Internet-Email-Security/Email-hacked-demanding-bitcoin-payment/td-p/5722963 You most likely do not need to do anything. If you want to chan...
by 5th_Dimension
Mon Mar 25, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228826

Re: What Movie Have You Recently Watched?

"Mirage" on Netflix. Here is the Netflix description: "A space-time continuum glitch allows Vera to save a boy's life 25 years earlier, but results in the loss of her daughter, whom she fights to get back." Kind of a cross between "Frequency" and "The Butterfly Effect". It is a Spanish film so there...
by 5th_Dimension
Mon Mar 18, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: popup blockers on Mac computers
Replies: 14
Views: 861

Re: popup blockers on Mac computers

Run Malwarebytes on the machine as well just to make sure it isn't malware.
by 5th_Dimension
Thu Mar 14, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228826

Re: What Movie Have You Recently Watched?

Triple Frontier . An exciting heist adventure movie now available on Netflix. It stars Oscar Isaac and Ben Affleck. The director is J.C. Chandor ( Margin Call ). Recommended. https://www.seattletimes.com/entertainment/movies/triple-frontier-ben-affleck-leads-grim-gritty-tale-of-conflicted-ex-soldie...
by 5th_Dimension
Thu Mar 14, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: The calendar app in my iphone 6SE- HELP!
Replies: 3
Views: 408

Re: The calendar app in my iphone 6SE- HELP!

I have 8 calendars. The reason you have so many calendars is because when you set up an email account, along with the email there is the option to use calendars, notes, reminders, etc. that come along with that account. You can turn off the extra calendars in the calendar app by unchecking the ones ...
by 5th_Dimension
Wed Mar 13, 2019 11:52 am
Forum: Personal Consumer Issues
Topic: Buying a used car for LA
Replies: 25
Views: 1903

Re: Buying a used car for LA

wander wrote:
Wed Mar 13, 2019 8:50 am
Get a hybrid so you can take advantage of the HOV lane. Besides, it helps a lot with gas is around over $4 per gallon (regular)
Only specific cars qualify for using the HOV lanes with a single passenger. Make sure you check first.
by 5th_Dimension
Fri Feb 22, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 62
Views: 9093

Re: Pros and Cons of High Rise Condos for retired couple

I'm actually glad the thread was revived, my wife and I were casually discussing a similar move just yesterday. It always amazes me that whenever I start to think of researching something the topic shows up on Bogleheads! :happy
by 5th_Dimension
Sun Feb 10, 2019 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 6822

Re: Attempting To Be Debt Free

With the emergency fund, it was a risk I was willing to take, thinking after all debts paid, I can easily build it back. But anything can happen within that two years period, so I will reconsider and maybe build it to $12,000 and then leave it there. I took this risk when I was 40 and $44,000 in de...
by 5th_Dimension
Thu Feb 07, 2019 2:38 pm
Forum: Personal Consumer Issues
Topic: Seller is an expert, but may be lowballing themself, advice? (Audio added)
Replies: 46
Views: 4319

Re: Seller is an expert, but may be lowballing themself, advice?

This happens all the time in the competitive hobby I am involved in. There is a lot of buying and selling among the enthusiasts, and many times very nice equipment will go for a song to someone new who is enthusiastic about getting into the hobby or getting better with nicer stuff. It is a way of gi...
by 5th_Dimension
Fri Feb 01, 2019 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22397

Re: Why doesn't a lot of money feel like a lot of money?

I've been thinking about this, and I think maybe it comes from watching our portfolio. It's hard to think of $1,000 as a lot of money if your portfolio moves $10,000 up or down from month to month. I try to think of it in terms of my expenses (that bonus was four months of spending!) but it's still...
by 5th_Dimension
Wed Jan 30, 2019 1:29 pm
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4503

Re: Need help with computer crash!

$300 dollars just to look at your computer is highway robbery. They are trying to take advantage of you. You need to find someone who will do the work for an hourly rate. Keep looking. Try Staples and Office Depot, both are doing computer repair. Frys Electronics is an option if there is one close t...
by 5th_Dimension
Wed Jan 23, 2019 11:59 pm
Forum: Personal Consumer Issues
Topic: Anyone use Teamviewer (remote access) software?
Replies: 20
Views: 1024

Re: Anyone use Teamviewer (remote access) software?

I use it to support my clients remotely multiple times a week. It is the best of the remote software solutions I have tried. It is free to use for personal use and it works on Mac and PC in either direction. I use my Mac to support both Macs and PCs. Once installed it can run in the background or on...
by 5th_Dimension
Wed Jan 23, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 22397

Re: Why doesn't a lot of money feel like a lot of money?

It is looking like I will be receiving an unexpected $10,000 or so. My first thought was "meh". Then I thought about it and told the wife I didn't want to end up being one of those people who shrugs off $10,000 or $50,000 or any other large amount of money. It may not move the needle much for us now...
by 5th_Dimension
Wed Jan 16, 2019 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 619
Views: 60269

Re: Why are your NOT buying rental properties?

Three real world examples. I rented a house on a property with two houses on it. A tenant in the other house had to be evicted. It took months. In the mean time the tenant destroyed the house. It took months for the owner to get the property back into shape to rent. The next tenant had to be evicted...
by 5th_Dimension
Sun Jan 06, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5858

Re: best cheap printer

Any specific Brother Color Laser Printer model or color cartridge to choose? Are the personal ones ok to use infrequently but long term, or is it better to step up to the business units? https://www.amazon.com/s/?field-keywords=brother+color+laser Where to buy replacement cartridges? Do you print e...
by 5th_Dimension
Sat Jan 05, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: $40,000 in debt, bankruptcy seems to be the best option right now
Replies: 274
Views: 24765

Re: $40,000 in debt, bankruptcy seems to be the best option right now

Just a word of encouragement. At 42 I was $44,000 in debt mostly with high interest rate credit cards. It took my girlfriend and I four years to get the debt paid off. The first two years were really tough because it seemed we were making almost no progress at all. Then we really started to see resu...
by 5th_Dimension
Sat Jan 05, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: best cheap printer
Replies: 80
Views: 5858

Re: best cheap printer

Another vote for a Brother color laser. If you get one look for the instructions online to reset the cartridges to show a full level. The Brother doesn't actually measure the level of toner in the cartridge, it does it by page count. For instance if it prints one dot of cyan on a page it counts that...
by 5th_Dimension
Wed Jan 02, 2019 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1053
Views: 294058

Re: Share your net worth progression

2001 -$44,000 2002 -$41,000 2003 -$33,000 2004 -$25,000 2005 -$23,000 2006 -$12,000 2007 -$9,000 2008 $20,000 2009 $30,000 2010 $42,000 2011 $54,000 2012 $86,000 2013 $186,000 2014 $232,000 2015 $272,000 2016 $320,000 2017 $437,000 2018 $723,000 Received an inheritance this year which I put into th...
by 5th_Dimension
Tue Jan 01, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2444
Views: 450969

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

2018 -4.30%

Right now sitting at 67/33. I have about a 5% Small Cap Tilt.
by 5th_Dimension
Tue Jan 01, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1053
Views: 294058

Re: Share your net worth progression

2001 -$44,000 2002 -$41,000 2003 -$33,000 2004 -$25,000 2005 -$23,000 2006 -$12,000 2007 -$9,000 2008 $20,000 2009 $30,000 2010 $42,000 2011 $54,000 2012 $86,000 2013 $186,000 2014 $232,000 2015 $272,000 2016 $320,000 2017 $437,000 2018 $723,000 Received an inheritance this year which I put into the...
by 5th_Dimension
Wed Dec 19, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Do I need Norton Virus Protection?
Replies: 30
Views: 3035

Re: Do I need Norton Virus Protection?

Don't need in my opinion.