Search found 95 matches

by TeamArgo
Tue May 22, 2018 3:55 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5182

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: 1471

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: 1338

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: 668

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: 9247

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: 6
Views: 2280

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: 5773

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: 7571

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: 799

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: 1383

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: 12764

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: 12764

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: 12764

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: 31298

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: 1160

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: 14623

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: 107
Views: 4866

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: 11601

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: 1875

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: 6241

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: 3855

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: 1239

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: 50
Views: 4060

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: 17915

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: 9001

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: 3717

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: 5344

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: 1354

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: 9232

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: 2475

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: 4719

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: 5969

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: 656

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: 10299

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: 4010

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: 911

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: 4644

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: 14989

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: 761

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: 2029

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: 7276

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: 7276

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: 12435

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: 1294

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: 10865

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: 9433

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: 7713

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: 7958

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: 2723

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: 3631

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.