Search found 122 matches

by 5th_Dimension
Mon Jun 17, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 841
Views: 279297

Re: Variable Percentage Withdrawal (VPW)

Thank you for the explanation :happy
by 5th_Dimension
Mon Jun 17, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 841
Views: 279297

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: 3198

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: 6777

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: 304

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: 609

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: 609

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: 12387

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: 4198

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: 1269

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: 88
Views: 6677

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: 736

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: 1730

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: 14674

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: 1022

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: 4517
Views: 1164907

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: 801

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: 4517
Views: 1164907

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: 362

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: 1718

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: 8750

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: 6207

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: 4206

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: 21709

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: 4206

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: 976

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: 21709

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: 424
Views: 36701

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: 5294

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: 23728

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: 5294

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: 977
Views: 261274

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: 2338
Views: 420296

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: 977
Views: 261274

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: 2915

Re: Do I need Norton Virus Protection?

Don't need in my opinion.
by 5th_Dimension
Wed Nov 14, 2018 4:45 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7591

Re: Are you all staying the course?

Still waiting to hit my rebalance band, staying the course until then.
by 5th_Dimension
Wed Oct 31, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Am I Risking My Life to Sell My Car?
Replies: 37
Views: 4837

Re: Am I Risking My Life to Sell My Car?

How can somebody believe a tire guy on this subject? He would be stupid to answer that the car is safe. No sale for him, plus liability and conscience issues in case of something. Nothing to gain, only to lose. I had a chunk on the side of a tire missing from running over a curb. Took it to the pla...
by 5th_Dimension
Fri Sep 28, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: New Laptop setup questions
Replies: 23
Views: 2155

Re: New Laptop setup questions

Hi all. Laptop died, so I now have a new one, Windows 10 pro, removed old SSD and got docking unit so I have all my files transferred at 5 Gig/min instead of slow downloading from my cloud backup. 1) which browser to use: Edge vs my old pal Firefox? 2) which ad blocker? Seems like if I use Edge and...
by 5th_Dimension
Fri Sep 14, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: FaceID w driving? ... upgrading from 5S
Replies: 18
Views: 920

Re: FaceID w driving? ... upgrading from 5S

For me FaceID doesn't work as well as the home button for unlocking while driving, probably because I mount my phone on a floor mount. That makes it farther away and at an angle. To get it to work I need to angle the phone toward me a bit and sometimes lean in a bit. Makes it a bit scarier while on ...
by 5th_Dimension
Sat Aug 25, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Former Kaspersky user, PCMATIC?? or what as a replacement?
Replies: 23
Views: 1526

Re: Former Kaspersky user, PCMATIC?? or what as a replacement?

NOD32 Antivirus from ESET and Malwarebytes Free. Run Malwarebytes as needed, but with ESET you probably won't need to.
by 5th_Dimension
Sat Aug 18, 2018 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Your major and investing/finance?
Replies: 99
Views: 5297

Re: Your major and investing/finance?

BA in Fine Art, specifically abstract painting... the kinds of things that get sold in galleries. Really no correlation to being a Boglehead, but I will paraphrase one of my favorite quotes from "My Dinner With Andre": When I was 10 years old all I thought about was art and music. Now I'm 36, and al...
by 5th_Dimension
Wed Aug 15, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 7264

Re: Men’s Underwear recommendation

DH got some Bjorn Borg (boxer/briefs?) when we were in Norway. He finds them so comfortable that he bought more when we got home. (Easily available online.) They are *very* soft cotton, and I'm not quite sure what to call the style/cut. (Don't mistake the similar style workout shorts. Those are tot...
by 5th_Dimension
Mon Aug 06, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing a real estate agent to sell a condo (MA)
Replies: 7
Views: 503

Re: Choosing a real estate agent to sell a condo (MA)

Just sold a house last month. I interviewed two agents, a traditional agent with 6% commission, and a low commission agent at 3.5%. The traditional agent told me I should paint this or that, asked about things he saw that might be cause for concern to a buyer, etc. The low commission agent only care...
by 5th_Dimension
Mon Jul 30, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Best MacBook Value
Replies: 40
Views: 3510

Re: Best MacBook Value

I would also avoid the Air, just for the screen alone. My wife and I have matching MacBook Pros. She runs hers at a lower resolution because she sees everything better, I run mine at the highest resolution to see more. The Retina screen is truly a wonder and well worth the money. Both of our machine...
by 5th_Dimension
Fri Jul 20, 2018 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize or just move on
Replies: 11
Views: 1233

Re: Downsize or just move on

Thanks for the replies. I've added some more info. Like some of you pointed out, I think I do feel regret not investing in the market early on and missing out a huge bull run. Mind you, when I was in school all I heard in the news was the Stock Market crashing everyday, so I was not inclined to inv...
by 5th_Dimension
Thu Jul 05, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it later?
Replies: 22
Views: 1679

Re: Tech help needed. What programs/data to remove from MacBook before sending in for repair? And, how to restore it la

If you decide to wipe your machine do both a Time Machine and Carbon Copy Cloner (or something similar) backup. I have been able to successfully restore using Time Machine many times, however not long ago I upgraded to a new Mac and when I went to use Time Machine there was some issue, but I was abl...
by 5th_Dimension
Fri May 18, 2018 10:29 am
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 2129

Re: Roof TV Antenna Recommendation Needed

I shared this thread with DH since finding an antenna replacement is really his bailiwick. He found several ideas and recommendations most helpful. He said after reading the thread, it seems all reasonable roads lead to a mid range YAGI arial close to the size we had. Channel master and Wineard see...
by 5th_Dimension
Thu May 17, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Roof TV Antenna Recommendation Needed
Replies: 23
Views: 2129

Re: Roof TV Antenna Recommendation Needed

Very interesting...I hadn't really considered adding a rooftop antenna, but reading this thread has piqued my interest. Looking at the antennaweb.org site, I see three over-the-air stations within 12-20 miles, bundling "up to 12 channels". Fair enough, though I live 60-70 miles from a much larger m...