Search found 109 matches

by TeamArgo
Fri Sep 28, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 1927

Re: cell phone plans--google fi?

I have been an AT&T subscriber for many, many years. However, their service on the barrier islands of NE Florida, my home for 4 years, has been spotty at best. I have moved to a new location in the last 6 weeks that had no AT&T service, so I moved to Project Fi and a new Moto G6. I have service now ...
by TeamArgo
Sat Sep 22, 2018 9:30 am
Forum: Personal Consumer Issues
Topic: Sprint to Tello or something else?
Replies: 4
Views: 247

Re: Sprint to Tello or something else?

You might want to look into ProjectFi from Google. It is a pay as you go service for data at a pretty reasonable cost. It uses the better of the Sprint, T-Mobile, Metro PCS, plus calls over Wi-fi, switching between them without your even being aware that a switch has been made.
https://fi.google.com
by TeamArgo
Fri Jul 13, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 10300

Re: When does frugal cross the line to cheapskate?

I was brought up in a household that was "Great Depression" cheap, and I have lived on both sides of that line during my lifetime. The best definition I can give from personal experience is that you are living on the cheapskate side when having money or more money becomes more important than what yo...
by TeamArgo
Wed Jul 11, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5967

Re: Anyone take naps at work?

When I was young, there was an older engineer who had developed the ability to fall asleep at his desk in front of the microfilm reader with his eraser touching the screen. When disturbed, he would grumble "Hang on a sec", move the eraser along a circuit line as if finishing a trace of a connection,...
by TeamArgo
Wed Jul 11, 2018 5:42 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 11090

Re: Six stocks make up 98% of S&P 500 gains in 2018

My opinion is that this is "clickbait" from CNBC with little real meaning and nothing actionable. I'm surprised the second sentence didn't read: "Stock number four will blow your mind!" :oops:
by TeamArgo
Mon Jul 09, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2554

Re: E- Billing & Autopay

I have everything set up for e-billing, but I do not have any set up for auto-pay. I have known two different people who were hit with a ridiculously large erroneous bill, the money was removed from the auto-pay account, and then they needed to beg and plea to the company who was now holding their m...
by TeamArgo
Fri Jun 22, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22276

Re: Did you celebrate when you finally hit $1m?

I was not too far from retirement when my 401K crossed the $1M mark. I had noticed my contributions were no longer having much effect on the balance compared to earnings, so I "celebrated" by adjusting them down to my Megacorp match levels only (6%).
by TeamArgo
Mon Jun 18, 2018 7:23 am
Forum: Personal Consumer Issues
Topic: New refrigerator issues
Replies: 18
Views: 1906

Re: New refrigerator issues

I bought an LG about two years ago, and it is much noisier than any refrigerator I have owned in my life. It vibrates the whole time it is running, and it is enough to set up "sympathetic vibrations" in many bottles and containers within the unit. It started quieter (but not quiet by any means) and ...
by TeamArgo
Sun Jun 17, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15612

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

When interest rates fell about 10 years ago, I moved about $1000 into my home. :moneybag In the intervening years I have added to it and I now have just over $2000 there. It is just for my peace of mind in the event of a big bad event of some type, and cost me very little in lost interest.
by TeamArgo
Mon Jun 11, 2018 7:24 am
Forum: Personal Consumer Issues
Topic: How to Repair Leak in Ceiling Below 2nd Floor Bath?
Replies: 6
Views: 563

Re: How to Repair Leak in Ceiling Below 2nd Floor Bath?

You may want to look at responses in the following thread:
viewtopic.php?f=11&t=240875
by TeamArgo
Sat Jun 09, 2018 7:00 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house in Florida but you are hundreds of miles away
Replies: 33
Views: 2968

Re: Buying a house in Florida but you are hundreds of miles away

DW and I faced a similar situation 4 years ago. We lived in KY and wanted to move to St. Augustine, where we had vacationed for years and had spent winter for two years following retirement (so we were pretty sure we wanted to be here). Our answer was to rent a condo for a month while a realtor show...
by TeamArgo
Tue Jun 05, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3333

Re: Should I replace my water heater?

In my old home in Louisville, water heaters would typically last 15 to 18 years. Here in St. Augustine, I am told that 10 to 13 years is the norm. Water quality in the area has a big influence, and the limestone in the Ohio River was gentle on the system. That said, my water heater is located under ...
by TeamArgo
Tue Jun 05, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Best case to convert a Bogle skeptic?
Replies: 56
Views: 5332

Re: Best case to convert a Bogle skeptic?

I spent 37 years working for the "phone company", mostly on the services that made landline phones 99.9999% reliable. So, all three of my children got out of college and set up their households with cell service only. I pointed out how reliable landlines were. I pointed out that landlines had raised...
by TeamArgo
Tue May 29, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: How To Store Blue Rhino Tanks Safely
Replies: 35
Views: 2997

Re: How To Store Blue Rhino Tanks Safely

Look up "propane adapter" on Amazon, and you will find a brass fitting to use a 16 oz tank in place of a 20 pound tank. They run just over 8 bucks. I have one as an emergency grill backup. It has saved my "bacon" on a couple of occasions. Just enough gas to finish everything off.
by TeamArgo
Tue May 22, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 6109

Re: Florida Living

St. Johns County, especially northern St. Johns would tick a lot of those boxes. The county schools are top rated in Florida. Easy beach access. City amenities (Whole Foods, Costco, Ikea) available in southern Jacksonville, and small town atmosphere in the St. Augustine area.
by TeamArgo
Sun May 13, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1653

Re: Seeing a rocket launch in FL

I have visited about a dozen launches over the past 15 years or so. The advice about scheduling early in the trip is a good one. One of my favorite places to see a launch is from the Manatee Hammock County Campground, just south of the Indian River causeway that leads to the visitor center. They hav...
by TeamArgo
Sun May 06, 2018 4:10 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 20
Views: 1539

Re: Tea supplier comparison

I purchased some "Builder's" tea from Amazon a year or so ago, and I have never looked back. It is a very basic tea bag that the lower to middle class British often use for a "cuppa". It is quite strong and has a tendency toward turning bitter if you brew it too long, so I never let it go over a min...
by TeamArgo
Wed Apr 25, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Anyone had luck getting condo to install solar panels?
Replies: 6
Views: 749

Re: Anyone had luck getting condo to install solar panels?

Payback in the NYC area will be quite a bit slower than sunnier and more Southern areas. But to address your base question, I am on the board of a larger community (~350 units) and it is very difficult to get anything done on a pro-active basis like this. It is hard enough just keeping up with neede...
by TeamArgo
Wed Apr 25, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10641

Re: How did you tell the boss you're leaving/retiring?

My Mega-Corp had a rule of thumb that they needed about 2 months to prepare for an individual's retirement (but could somehow make the arrangements in two weeks or less when it came to downsizing). But, regardless, I had let my boss know that I was thinking and dreaming of retirement when I turned 5...
by TeamArgo
Tue Apr 24, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: John Oliver- All you have to know about planning for retirement
Replies: 8
Views: 4119

Re: John Oliver- All you have to know about planning for retirement

I remember seeing this before I found out about BH. It was great for me. I checked my 401K plan which was set up by MegaCorp, and found the Fidelity plan to be very good. So good, in fact, that I still have money in it 5 years after retirement. I also showed the clip to all three of my children, alt...
by TeamArgo
Tue Apr 24, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: "How to Engineer your Layoff" book, has anyone read it?
Replies: 27
Views: 6997

Re: "How to Engineer your Layoff" book, has anyone read it?

In the late 90's, my mega-corp employer hired a consultant firm who suggested that all employees should rank each other, with the lowest ranking employees being let go with a package. Everyone was given a defined percentage of numbers that could be ranked in one of five levels of competency, and mos...
by TeamArgo
Mon Apr 23, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 8830

Re: Do you buy new or used cars?

I was 54 years old before I bought my first (and only) new car. Before that I have purchased used cars from dealerships, directly from previous owners, from used car lots, from Enterprise Car Sales, from government auctions, and from a wholesale auction house that had a retail auction once a month. ...
by TeamArgo
Sat Mar 24, 2018 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Using our HELOC to purchase a new home
Replies: 5
Views: 881

Re: Using our HELOC to purchase a new home

We used this method to buy our condo in Florida. The house was paid off. I took out the HELOC, using the cash to purchase the condo at a good price (since I could do so without a contingency on selling). It worked smoothly and no one batted an eye. Sold the old house and used the proceeds to pay off...
by TeamArgo
Thu Mar 22, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Fuel additives
Replies: 21
Views: 1635

Re: Fuel additives

I have a gasoline powered motorhome that only gets run for a half hour a month during the winter. For it, I add Seafoam to the fuel at the end of the season. I had gen-set problems a few years ago, and a big name service center insisted that a carburetor replacement was my only hope. The manufacture...
by TeamArgo
Tue Mar 20, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13910

Re: What is your favorite reasonably priced bourbon?

oldfatguy wrote: ↑
Tue Mar 20, 2018 1:16 pm


The last two bottle of Kirkland bourbon I had were distilled and bottled in Tennessee.
I had heard they had a Tennessee Whiskey, but did not know they were selling it as their bourbon. Looks like they have switched sources since I last bought from them! Do they list a city?
by TeamArgo
Tue Mar 20, 2018 1:18 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13910

Re: What is your favorite reasonably priced bourbon?

Kirkland can be a bit of a crapshoot. They source from two different distilleries; Buffalo Trace (Frankfort) and Jim Beam (Clarmont). I bought some about three years ago in Louisville and it was great. I have purchased several bottles since I moved to Jacksonville, and they all had a noticeable Jim...
by TeamArgo
Tue Mar 20, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 13910

Re: What is your favorite reasonably priced bourbon?

Kirkland Nothing wrong with their bourbon. Today my SIL, a bourbon snob had my daughter pickup two bottles of Kirkland's finest. If Costco is out of Buffalo Trace then Kirkland does the job. Kirkland can be a bit of a crapshoot. They source from two different distilleries; Buffalo Trace (Frankfort)...
by TeamArgo
Sat Mar 17, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 34525

Re: Those with high savings rate: why?

I saved so I could decide when I wanted to retire instead of letting my employer have control of that decision. I made that decision and left on my 59th birthday, more than 5 years ago. I have higher spending friends still working there and complaining.
by TeamArgo
Sat Mar 03, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: St. Augustine long weekend...rental car needed?
Replies: 11
Views: 1324

Re: St. Augustine long weekend...rental car needed?

If you stay in or near the old downtown area or in the St. Aug. Beach area, you will be able to get around without quite easily without a rental car. Ripley's and Old Town Tours both run frequent tour trolleys throughout the area, including a feeder route that runs to the lighthouse, Alligator Farm,...
by TeamArgo
Wed Feb 28, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: How much cash do you keep at any time on checking?
Replies: 183
Views: 16700

Re: How much cash do you keep at any time on checking?

I keep about one to two month's worth of money in the account. I replenish it when it gets below $1000 or if I am approaching a credit card bill that can't be covered by the cash on hand. This technique has me making deposits about 8 times a year, and works well with my 401K plan that allows 12 with...
by TeamArgo
Tue Feb 27, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Credit Cards?? [Credit card vs. debit card]
Replies: 108
Views: 5904

Re: Thoughts on Credit Cards?? [Credit card vs. debit card]

Early in the 20th Century, people used cash for most transactions. :moneybag My parents proudly used their checkbooks in place of a pile of cash for the convenience it offered (and the monthly balancing of the checkbook was almost a religious ritual in our family). Debit Cards are the next generatio...
by TeamArgo
Fri Feb 23, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Florida in the summer
Replies: 113
Views: 12301

Re: Florida in the summer

Funny to see many people mentioning the humidity in Florida. We moved from Louisville to the NE Florida coast 4 years ago after trying out several extended visits to various FL locations. Here, the humidity IS high, but not any worse than the summer humidity in the Ohio Valley. Instead, it is the su...
by TeamArgo
Thu Feb 22, 2018 9:46 am
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2140

Re: Caribbean Cruise 1st timer Cash or Card?

Assuming you don't get involved in the casino or making major art and jewelry purchases (which are pushed a bit on cruises, but you can feel free to avoid), your on board extra expenses will be for beverages (a limited selection of free tea, coffee, lemonade, and iced tea - no free soft drinks), sou...
by TeamArgo
Sun Feb 18, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 69
Views: 7244

Re: Washer/Dryer longevity ?

When we moved into a condo 3 1/2 years ago, we had to give up the old Maytag machines we had for 20+ years for a new pair of stacked GE high efficiency machines. Newer washers use less water by "allowing the clothes to rub against each other to remove soil" in a direct quote from a manual. In practi...
by TeamArgo
Sun Feb 18, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 4342

Re: Mixing fuel octanes for cars

Well, this thread sure went downhill quickly, after the judgey comments started about the choice of a car that runs on 91 octane started. My engineer son is a Boglehead (got me started on this site, in fact), and he bought a high performance car because it gives him joy. There is no better reason to...
by TeamArgo
Fri Feb 16, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon.....401K vs rollover to IRA?
Replies: 28
Views: 3329

Re: Retiring soon.....401K vs rollover to IRA?

My ex-mega company employer has a 401K plan with Fidelity, and I kept and I am continuing to keep it there in retirement (five years now). The company subsidizes some costs, plus Fidelity is easy to work with, have good index funds and low rates, flexible withdrawals and in fund transfers, and they ...
by TeamArgo
Fri Feb 16, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 51
Views: 4865

Re: used Prius

Most times I get behind a Prius on the interstate my commute extends by 5 minutes. Get one that moves faster. That problem is not caused by the car. The driver is probably watching his MPG metering that the car provides and is coasting, adjusting his acceleration and following distances to maximize...
by TeamArgo
Fri Feb 16, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 168
Views: 19778

Re: Retirees: The common sense withdrawal method

I used a 4% rule to determine if I was in a position to retire and I still aim in that direction, but I do not use that figure as an absolute target. I have described my method on another thread as "4 percent-ish". Common sense is the real driver, as you have stated. Three years ago we wanted to rem...
by TeamArgo
Wed Feb 14, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 10055

Re: How many of you use the "4% rule" during retirement?

We've recently retired, in a VLCOL area. Our actual withdrawal rate is low enough that I'm not going to do these calculations (let alone the more complicated versions) except maybe for fun, or if we start looking at increasing our expenses hugely . We do the same. "-ish" I take out what I need, kee...
by TeamArgo
Sun Feb 11, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Help Sell FIRE to spouse
Replies: 31
Views: 4117

Re: Help Sell FIRE to spouse

My wife and I retired 5 years ago at age 59 in similar, but not quite as favorable financial circumstances as you describe. We are doing well, traveling, moved to the beach, help out the kids, and we are having the best times I can imagine. My wife dragged her feet some, but I found out afterwards t...
by TeamArgo
Sun Feb 11, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Why should we care about inflation?
Replies: 58
Views: 5972

Re: Why should we care about inflation?

I see all the news/economic analysis (if you can call it that, more like catastrophizing) claiming that markets are jittery because we're A) approaching full employment; b)wages are rising; c) the Fed will raise rates more quickly; and, d) borrowing becomes more expensive. ... I just don't get this...
by TeamArgo
Wed Feb 07, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Water Leak from shower stall - how to detect
Replies: 16
Views: 1605

Re: Water Leak from shower stall - how to detect

I had a similar problem with a shower over my kitchen. I had a small discolored light brown spot that never seemed wet, say about 3 inches in diameter. I finally called a handyman to open the drywall, and found that one of the drain pipe joints had been installed "dry", without the PVC glue. It was ...
by TeamArgo
Wed Jan 24, 2018 1:02 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 10665

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

My wife and I are using 4 YO LG G3s. Hers quit completely about 6 months ago and she didn't want to learn how to work a new phone, so we bought a used G3 for a bit less than $100. Next time, I might upgrade to a used G4 or G5, but not until another complete failure. It does help that the batteries a...
by TeamArgo
Sun Jan 14, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Do you correct cashier mistakes?
Replies: 41
Views: 2765

Re: Do you correct cashier mistakes?

My policy is to tell them once. I have had instances where someone argued with me that the original amount was correct, and then I just politely agree and take the money.
In the case of a missing beer or drink, I just add the extra amount to the tip.
by TeamArgo
Tue Jan 09, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: I'm Simply Not on the Same Plane As You
Replies: 25
Views: 4897

Re: I'm Simply Not on the Same Plane As You

I'm (probably) a couple of years younger than you. I rode Lucent into the dirt instead of Enron, and it also made me a more conservative investor. I have more stock than you do, but our portfolios have more similarities than differences. I often see people on the Boglehead site talking about being r...
by TeamArgo
Tue Jan 09, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Early Retirement Incentive Plan is generating paranoia in a co-worker
Replies: 47
Views: 6389

Re: Early Retirement Incentive Plan is generating paranoia

In early 2012 at NutherMegaCorp there was an offer that I tried to participate in. As it turned out, there were 14 slots allotted to my workgroup of about 125 people and mine was the 15th request. So 14 of my fellow workers left with a 6 month pay bonus while I, alone, stayed on to see the consequen...
by TeamArgo
Tue Jan 02, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Tax Help
Replies: 8
Views: 703

Re: Tax Help

In 2016 I made my first "mega back-door" Roth rollover. While doing my taxes using TurboTax, I made a mistake of showing the roll-over as a contribution (a common mistake caused by the way the program asks its questions) and my taxes "blew-up" on me. I panicked and sought advice from a reputable loc...
by TeamArgo
Thu Dec 21, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2017 Tax Software $9.95 , State $14.95
Replies: 61
Views: 11073

Re: H&R Block 2017 Tax Software $9.95 , State $14.95

I'd really like to keep things electronic. I save all my tax returns as Pdf files and don't want to have a loose return as a paper document that I have to keep track of. I will share some advice that I got from my children in a similar circumstance. After sharing with them my plan to buy a used sca...
by TeamArgo
Fri Dec 15, 2017 8:43 am
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 4514

Re: How to deal with Micro-manager

I worked for a remotely located micro-manager at Mega-Corp for about 2-3 years. Don't hope that he will just "go away", because odds are he won't. My micro-manager had a knack of talking himself up to his immediate supervisors in person, convincing them that the sun didn't rise in the morning withou...
by TeamArgo
Wed Dec 13, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Sams Club self checkout
Replies: 8
Views: 1014

Re: Sams Club self checkout

In Kentucky, we had a Meijer's Department/Food store with self serve checkouts that used a normal conveyor belt both leading up to checkout and leading away from it. Items were "weighed" on the output belt and there was no slowdown in the checkout process. But I moved three years ago to Florida, and...