Search found 76 matches

by TeamArgo
Sun Feb 18, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Washer/Dryer longevity ?
Replies: 67
Views: 5414

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: 39
Views: 2265

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: 16
Views: 951

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: 28
Views: 1606

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: 82
Views: 6664

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: 43
Views: 5328

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: 3524

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: 4991

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: 1221

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: 8491

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: 2261

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: 4590

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: 5690

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: 616

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: 55
Views: 8678

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: 3866

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: 859

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...
by TeamArgo
Sun Dec 10, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 4264

Re: Buying index funds is just as speculative as buying Bitcoin

Oh, great! A BitCoin troll. Quit feeding the troll, BHs. There are better BitCoin threads on the site with real points to make and everything.
by TeamArgo
Fri Dec 08, 2017 11:49 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it [Stock Picking versus TSM]
Replies: 98
Views: 14440

Re: Just not getting it

I think everyone here, including me, has felt the way you feel at some point. Mostly I think about how much better my husband's and my portfolio could be doing if only I had taken this opportunity or that opportunity. One way to deal with these feelings is to take a small percentage of your portfol...
by TeamArgo
Tue Dec 05, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: Past Perception of Automakers vs. Today
Replies: 11
Views: 713

Re: Past Perception of Automakers vs. Today

Take a look at Consumer Reports, maybe at a local library. Their annual automobile issue will give you a feel about how things are today. My opinion based on last year's issue: Japanese cars are still doing well, but not the slam dunk they were just a few years ago. Some other Asian brands do pretty...
by TeamArgo
Tue Dec 05, 2017 9:10 pm
Forum: Personal Consumer Issues
Topic: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?
Replies: 29
Views: 1899

Re: carry on luggage, 4 wheel spinner or 2 wheel rollaboard?

I recently purchased a 4 wheeler to replace my old two wheeler. I love being able to turn it in any direction and moving it. As ResearchMed said in your first response, it comes in handy moving down the new, narrow plane aisles. I kept the two wheeler until after my first trip, and sent it to Goodwi...
by TeamArgo
Tue Dec 05, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 6924

Re: Dad Needs Help Buying Wedding Liquor

Just saw this posted after making mine. Many good ideas, BUT Jack Daniel's is NOT Bourbon. Get it for your Whiskey if you want, but get some Bourbon, too. Bourbon is an up and coming thing with many Hipster's, and they will know the difference. ... Bourbon-Jack Daniel Black Scotch-Johnny Walker Red ...
by TeamArgo
Tue Dec 05, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 71
Views: 6924

Re: Dad Needs Help Buying Wedding Liquor

As far as Bourbon goes, Maker's Mark is a medium priced brand that is pleasant for drinking straight. For mixing, nearly anything will suffice, but many bars outside Kentucky serve MM as their "premium" brand and something like Jim Beam for their medium brand. I would follow their lead. (In KY, you ...
by TeamArgo
Sun Dec 03, 2017 8:41 am
Forum: Personal Consumer Issues
Topic: After financial independence, do you lose motivation for work?
Replies: 156
Views: 11899

Re: After financial independence, do you lose motivation for work?

My work ethic always seemed to be separate from my FI. When given a job and some independence to pursue it, I always did my best. That said, my FI was a big help a few years later when my company stopped giving people any latitude to perform the work well, reduced headcount to the point that the rem...
by TeamArgo
Fri Dec 01, 2017 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Chase Freedom Rental Car Insurance
Replies: 13
Views: 1119

Re: Chase Freedom Rental Car Insurance

I heard a comedian the other day, suggesting that you should take the rental car company's insurance, and then hit 6 or eight of their other cars as you drive back in to return your car. Hand them the keys, and go on about your day. I haven't read the fine print, but off-hand I can't see an obvious ...
by TeamArgo
Wed Nov 29, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Which crash have you seen it before it is coming?
Replies: 134
Views: 10296

Re: Which crash have you seen it before it is coming?

I foresaw the 2008 housing crash as far before as 1996, and I had the timing about right but I had the reason completely wrong. I made predictions to several co-workers in 1996 to 1998 that housing values would crash in the 2007 to 2008 range, but I said it would be because of "baby-boomers" retirin...
by TeamArgo
Mon Nov 27, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9005

Re: Growing Number of Electric Vehicles

I have relatives who work for an electrical utility. They told me just last week that their company has a surplus of generating power, mostly due to the LED changeover. It has been a trend that seems long term, and usage and income continue to drop. They said many, even most other companies find the...
by TeamArgo
Sat Nov 11, 2017 8:34 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7445

Re: Swedish Death Cleaning

Three years ago my wife and I moved from our home in Kentucky with four bedrooms, a two car garage, and a basement that we had lived in for 25 years. We moved into a 2 bedroom condo in Florida. We had to go through Swedish Death Cleaning before we had heard of it. One thing I was determined to do wa...
by TeamArgo
Fri Nov 10, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 7197

Re: Costco for tires and car insurance?

When I lived in Louisville, I bought tires from Costco. I had a problem with one that made a "thrumming" noise at highway speed, and Costco was not equipped to handle such a problem. I tried on several occasions to have them drive it, and they would not do so. They would inspect, everything "looked"...
by TeamArgo
Tue Nov 07, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: My Dad's slides
Replies: 21
Views: 2643

Re: My Dad's slides

We still had my Dad's old projector, so my brother projected them and took a photo of each with his phone about 8 years ago. The result wasn't too good, but not too bad either. I do wish I had just paid to have them digitized. One thing that did come out of it was that my brother and I and our wives...
by TeamArgo
Tue Nov 07, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 3206

Re: When did you start investing in taxable accounts?

Never did. I maxed out my 401k and left it at that. Keep it simple was my philosophy. Retired 5 years ago at 59, not planning to collect SS until 70. Busy burning off my 15% tax bracket with Roth IRA roll-overs. That is the most complexity I have ever allowed into my portfolio.
by TeamArgo
Sun Nov 05, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life - Time to cancel?
Replies: 33
Views: 3054

Re: Term Life - Time to cancel?

I cancelled my term life insurance in the same week I figured I could retire. If I have enough for my wife and I to live on for the rest of our lives, we have enough for her to live on it by herself. No sense in having her grieve in Hawaii or Italy when I am gone. :wink:
by TeamArgo
Sat Nov 04, 2017 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Parent question: does it pay for them to stretch to max 401k last year of working?
Replies: 17
Views: 1660

Re: Parent question: does it pay for them to stretch to max 401k last year of working?

According to the chart, if a married couple makes an AGI less than 101,000 (which they make less than even non-adjusted), they can deduct up to the contribution limit for an IRA. So does that mean they can contribute $5500 before January 1st this year and another $5500 next year and all of that wil...
by TeamArgo
Sat Nov 04, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Parent question: does it pay for them to stretch to max 401k last year of working?
Replies: 17
Views: 1660

Re: Parent question: does it pay for them to stretch to max 401k last year of working?

It would be an OK decision to maximize it, but certainly not an imperative one. I was in a similar situation (right down to the house to sell and a condo in Florida to move to) five years ago when I retired. My wife and I took a two week vacation right after retiring, and it really helped with the t...
by TeamArgo
Tue Oct 31, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Electric fireplace
Replies: 13
Views: 1256

Re: Electric fireplace

I enjoy putting a fireplace scene from YouTube on my TV while my wife and I read books during "fall" weather here in northern Florida. :D Some clips are more than 2 hours long. Go Roku!
by TeamArgo
Tue Oct 31, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: House - leaking chimney - thoughts?
Replies: 24
Views: 1287

Re: House - leaking chimney - thoughts?

I had a leak in a chimney about 15 years ago, and I hired a company to do the same things that your first contractor proposed (about $650 at the time). The next storm, and it leaked again. Long story short is that the first contractor was at a loss but unwilling to refund anything. :annoyed A second...
by TeamArgo
Sun Oct 29, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 16737

Re: What was the main reason you retired?

Number 9 and number 2 were my main drivers, with a heavy seasoning of number 4. I am a month shy of 5 years of retirement, 64 years old, and life is good! 8-)
by TeamArgo
Thu Oct 26, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 52
Views: 7757

Re: Innovis and ChexSystems freeze confirmation letters

Just got my Innovis PIN in the mail this morning. It took just under 2 weeks, and it is the last one I am receiving. Got PINs from the "Big Three" starting a week ago, with all accounted for now.
by TeamArgo
Sun Oct 22, 2017 5:54 pm
Forum: Personal Consumer Issues
Topic: Renting A Winter Escape For A Month
Replies: 26
Views: 2670

Re: Renting A Winter Escape For A Month

There are a lot of weekly and monthly home and condo rentals in Florida. BUT starting in early January until late March, you are competing against the Canadians and Snowbirds who return to the same places year-after-year. Start now, and you may still be able to arrange for something, but time is run...
by TeamArgo
Sun Oct 22, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Costco auto buying service vs All State car buying services???
Replies: 12
Views: 1695

Re: Costco auto buying service vs All State car buying services???

I bought a car through Costco in late 2007. I liked the experience and loved the car, but after the deed was done I realized that others had received better deals by haggling. :( Think of Costco as the CarMax for new cars. At either, you are trading a pleasant experience for a price at the highest e...
by TeamArgo
Fri Oct 20, 2017 9:31 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 29390

Re: Sitting on cash....Waiting for a crash

I' am 100% invested in stocks. According to my Vanguard sign in page I' am up 15% this year. I' am a long term buy & hold investor. I dca each & every payday. If the market goes down I'll consider it on sale & buy as much as I can. I have the willingness, ability & time to take the risk. I' am very...
by TeamArgo
Tue Oct 17, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 11005

Re: how long did it take to get used to retirement

It took me about six to nine months to adjust. The biggest adjustment to me was facing up to the difference between those things I wanted to do and those things I just "wanted to want to do". After finding that I had time to make some stained glass, I really didn't want to, I had only wanted to want...
by TeamArgo
Mon Oct 16, 2017 8:35 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 135
Views: 11730

Re: anyone else not liking the new cars?

I went through a period in my mid 40's (about 1996) where I couldn't stand the looks of new cars. I finally bought a used gray Volvo box, which I called my "Borg Cube", and just toughed it out for 10 years. In 2007 I fell in love with the Prius, and I haven't looked back. I wonder if anyone else who...
by TeamArgo
Mon Oct 16, 2017 8:21 am
Forum: Personal Consumer Issues
Topic: Is Florida Over, 2017
Replies: 48
Views: 6386

Re: Is Florida Over, 2017

I am living on a St. Augustine barrier island, 1/4 mile horizontally and 18 feet vertically from water's edge. Property values continue to rise with the increasing value of vacation rentals in the area, but they have yet to reach pre-2008 values. Downtown St. Augustine continues to experience occasi...
by TeamArgo
Tue Oct 10, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2671

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

You guys are (mostly) looking at this wrong. First of all, just because a Szechuan sauce is available elsewhere doesn't change anything. It was McDonalds sauce that was featured on the show and it is McDonalds sauce that the fans want. Next, you want to ridicule the fans for paying hundreds for the ...
by TeamArgo
Mon Oct 09, 2017 3:13 pm
Forum: Personal Consumer Issues
Topic: Asking for discounts
Replies: 59
Views: 7110

Re: Asking for discounts

I had a co-worker who was an "asker". Once, checking into a nice hotel on business, he asked for a AAA discount (do you have an AAA card they asked, No he replied, but I have a car :shock: ), then AARP (No, but I probably will join someday :?: ), and finally asked if his Kroger Card would get him a ...
by TeamArgo
Sun Oct 08, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 2368

Re: Most expensive gel car battery oe cheapest? How often?

I worked in the Power and Battery area with a Telecommunications firm for most of my life. I have found that regular lead-acid batteries have a better life and a more predictable failure mode than sealed or gel cell batteries. They also tend to last considerably longer than one might expect from war...
by TeamArgo
Sat Sep 23, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6884

Re: What is your favorite reasonably priced bourbon?

Maker's Mark is my favorite bourbon for regular drinking or mixing. It has wheat instead of rye as its second grain, which gives it a smoother and less hot taste, but is inexpensive enough for everyday use. W.L.Weller and 1792 brands are my go to for sipping. A bit more expensive, but not extravagant.
by TeamArgo
Wed Sep 20, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 5194

Re: Costco vs sams club vs neither.

I belonged to Sam's for a year, about 12 years ago, and I was unimpressed. About 8 years ago, Costco built about 2 miles from my house, and I joined. Many good prices, led by the gas station, OTC drugs, groceries, and bulk paper products, kept me there until I moved to St. Augustine 3 years ago. Now...
by TeamArgo
Sun Sep 17, 2017 11:32 am
Forum: Personal Consumer Issues
Topic: Best place (with warm weather) to raise children
Replies: 107
Views: 20216

Re: Best place (with warm weather) to raise children

Thank you for your input, what are the best neighborhoods in St. Augustine area (safety, friendly welcoming neighbors, distance to beaches, etc.), what's the average rent for 1 bedroom? Home prices? I've heard Jacksonville is not very safe nor friendly, is it true? How does that affect St. Augustin...