Search found 126 matches

by TeamArgo
Fri Jun 07, 2019 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Money Deposited into my bank account in error
Replies: 10
Views: 1089

Re: Money Deposited into my bank account in error

I have a personal policy in the case of financial errors in my favor. I tell the person or a responsible representative of the institution involved about the error. If they are interested and listen, I will explain everything and they can take whatever action they deem necessary. If I get pushback, ...
by TeamArgo
Sun Jun 02, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2065

Re: Autos and transportation near retirement

When we retired six years ago, my wife and I left the workforce at nearly the same time. We ditched our Volvo and pick-up, keeping only our 2008 Prius. My intent was to rent a car or truck when necessary, while getting our insurance and car maintenance costs down. Since then I have rented a truck tw...
by TeamArgo
Sat May 18, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: How do I prevent yellow underarm stains on my white shirts?
Replies: 24
Views: 3233

Re: How do I prevent yellow underarm stains on my white shirts?

I spent the summer of 1969 in Puerto Rico, and soon discovered that most men there wear cotton t-shirt undershirts in even the hottest weather. They absorb perspiration and help keep you a bit cooler instead of making you warmer. I have worn undershirts year round ever since, even here in Florida. T...
by TeamArgo
Tue May 14, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3967

Re: Instant Coffee?

I drink Keurig coffee while at home, but drink instant while on the road in my RV (about 6 weeks a year). I used to dread instant coffee, but didn't want to take the time to try anything else while on the road. But, about a year ago, I discovered Mexican acid neutralized coffee and now I even drink ...
by TeamArgo
Mon May 06, 2019 8:05 am
Forum: Investing - Theory, News & General
Topic: Estimating the rate of return on Social Security
Replies: 34
Views: 2620

Re: Estimating the rate of return on Social Security

I am reminded of the joke about the physicist who was asked to look into low milk yields at a large dairy farm. A few hours later he was heard to say "I think I have a solution, if you assume a spherical cow in a vacuum..."
by TeamArgo
Tue Apr 23, 2019 7:18 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4541

Re: At what age did you buy your first first class airplane ticket?

I am retired, and have never flown first class. My son, however, minds his miles and points and has gotten upgraded or a good price on first class twice. I doubt I ever will, since my flying is down to a flying trip only once a year or two.
by TeamArgo
Thu Apr 04, 2019 8:38 am
Forum: Personal Consumer Issues
Topic: Universal Orlando Trip In June 2019
Replies: 34
Views: 1803

Re: Universal Orlando Trip In June 2019

You may have gone a bit overboard with the three park ticket. The two park, park-to-park ticket will get you access to all of the Harry Potter attractions. The third park is a water park operation that is not a big attraction for my family. We went last October for a two day trip, and I do wish we h...
by TeamArgo
Thu Feb 21, 2019 4:46 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7459

Re: Favorite youtube channels?

I subscribe to "Scott Manley", a Scottish engineer living in California who explains the latest in rocketry and space news with interesting detail. He also has a Kerbal Space Program channel that he uses to explain spaceflight and to try out some wild ideas.
by TeamArgo
Wed Feb 13, 2019 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirees, how much did you leave on the table?
Replies: 355
Views: 33161

Re: Early retirees, how much did you leave on the table?

I'll tell a short funny story on me. I read the title of this one today, and I got about four entries in before I read a story that fit me to a "T". Wow, I will reply and quote this, I thought, and only then looked at the author of that previous reply. Then, like slowly waking up in the morning, I s...
by TeamArgo
Sat Dec 22, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are some insurance polcies philosophically similar to gambling?
Replies: 57
Views: 2969

Re: Are some insurance polcies philosophically similar to gambling?

Actually, all insurance is a more than a little bit like gambling. Insurance company says "I am willing to give you odds that you will live/not have a car accident/not get sued/etc. for the next year. You say " I'm willing to bet that I will die/.../.../..., and here is my money upfront to cover the...
by TeamArgo
Mon Dec 17, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax quick question
Replies: 6
Views: 737

Re: Turbo tax quick question

That is what I do to determine my Roth conversion amount. Works pretty well if you can guess most items based on the previous year's entries.
by TeamArgo
Fri Dec 14, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Is it difficult to change a baby's legal name?
Replies: 70
Views: 3018

Re: Is it difficult to change a baby's legal name?

My father was named a family name of "Leslie" by his British mother at the hospital, but his father had promised a WWI buddy to name his first son "Daniel". So Grandpa refused to call him anything other than Dan, despite his official name. Dad happily went by "Dan" for all of his 95 years on this ea...
by TeamArgo
Mon Dec 03, 2018 9:44 pm
Forum: Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4276

Re: Will we make it saving only in employer plans?

You definitely can make it, and I see no reason not to believe you will. We started out very much like you in my early years, saving very little and just increasing the 401K percentage a little bit every year. I was in an engineering job with a salary that maxed out at about $100K before I retired 6...
by TeamArgo
Sat Dec 01, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: United HealthCare
Replies: 27
Views: 2082

Re: United HealthCare

My MegaCorp switched from BC/BS to UHC in the early 2000's. I groused and complained, but after getting used to the new procedures and paperwork, it was pretty much on par with the old coverage.
Certainly not bad enough to turn down an otherwise good job offer!
by TeamArgo
Mon Oct 29, 2018 8:16 am
Forum: Personal Consumer Issues
Topic: Getting depressed with all this saving. :-(
Replies: 38
Views: 6572

Re: Getting depressed with all this saving. :-(

Every year or two, I splurge and have my old Prius detailed. It helps me feel better about driving my old car around. Maybe that would help you feel better about your RAV4?
by TeamArgo
Tue Oct 23, 2018 10:01 pm
Forum: Personal Investments
Topic: Timing the market - Some say it’s possible?
Replies: 44
Views: 2859

Re: Timing the market - Some say it’s possible?

KyleAAA wrote:
Mon Oct 22, 2018 7:04 pm
I believe it's possible, but so difficult none of us will be able to do it consistently. Winning the lottery is also possible, but I wouldn't recommend the lottery as a sound investment strategy.
Drats! The 1.6 Billion drawing is in two minutes, and NOW you tell me!
by TeamArgo
Tue Oct 23, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 32
Views: 1760

Re: Making loose leaf tea

In the late 1950's my British grandmother used her "Brown Betty" crock teapot to make her tea. The teapot had a strainer that fit into the opening and extended down into the water. She added black tea to the strainer, poured in boiling water, steeped it for 5 minutes, and served the most wonderful t...
by TeamArgo
Fri Sep 28, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: cell phone plans--google fi?
Replies: 22
Views: 2170

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: 326

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: 10813

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: 6261

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: 100
Views: 16322

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: 2677

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: 22948

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: 2890

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: 16052

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: 632

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: 3140

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: 3622

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: 5621

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: 3176

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: 50
Views: 7207

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: 1765

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: 1765

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: 846

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: 13077

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: 4291

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: 9103

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: 10879

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: 985

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: 1775

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: 14977

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: 14977

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: 14977

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: 249
Views: 37718

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: 1409

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: 18444

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: 6403

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: 12781

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: 2263

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...