Search found 459 matches

by fishandgolf
Mon Mar 18, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Closing on house in 2 weeks.... temporary occupancy dispute
Replies: 37
Views: 2876

Re: Closing on house in 2 weeks.... temporary occupancy dispute

Talk to your current landlord about getting out the the deal. If they won't do it for free, see if they would fo it for a few hundred dollars. If not that, maybe you give up the place and have them try and rent it and if rented they'll give you your money back. Then let the home sellers out of thei...
by fishandgolf
Tue Mar 12, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Work or stay home for 1 year
Replies: 30
Views: 1942

Re: Work or stay home for 1 year

We are in mid 30s with two little kids in private school. Would you tap into savings (10 months e-fund will be down to 6-7 months after) to cover tuition so one parent can stay home for a year to get a break from the hustle and bustle of working 9-5 and be with little kiddies? Also sacrificing annu...
by fishandgolf
Sun Mar 10, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4274
Views: 1126662

Re: What Movie Have You Recently Watched?

"The Hunger Games".....first one. My DW finally convinced me to watch this stupid flick.......so....during a Saturday night snow storm (last night)........I conceded. OMG.........what a terrible plot / story line.....probably one of the worst movies I had ever seen.....total train wreck. I would not...
by fishandgolf
Sun Mar 10, 2019 10:12 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4274
Views: 1126662

Re: What Movie Have You Recently Watched?

DW and I watched the new "A Star is Born" with Bradley Cooper and Lady Gaga...........

It was OK.........Perhaps our expectations were a bit too high going into the movie. We still rated it 4 out of 5.
by fishandgolf
Mon Feb 25, 2019 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nervous about locking up money in SPIA
Replies: 101
Views: 6275

Re: Nervous about locking up money in SPIA

Does it make sense to purchase an SPIA in an IRA? It doesn't work that way. You don't hold an SPIA within an IRA. You can either fund an SPIA with post-tax dollars or "qualified" dollars within an IRA. If they are funded with "qualified" dollars from an IRA, they SPIA is not "within" the IRA. It is...
by fishandgolf
Sat Feb 23, 2019 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11601

Re: Why Working as a Senior Male is Wise...

UpperNwGuy wrote:
Sat Feb 23, 2019 10:15 am
I'm a senior male in his late 60s and am thrilled not to be working. I retired in 2013.
+1000

I am a senior male in mid-60's, retired 10 years ago and THRILLED not to be working......... :sharebeer
by fishandgolf
Mon Feb 18, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: Composite Cedar Siding and Real Cedar Siding Maintenance
Replies: 20
Views: 1339

Re: Composite Cedar Siding and Real Cedar Siding Maintenance

Definitely get a synthetic/composite type of siding so no maintenance. Can't help with detailed suggestions, but we have cedar siding and treating is a pita after 25 years! We use an oil based stain (Cabot) and treat every 5-7 years depending on sun exposure and do a little every year so it's not a...
by fishandgolf
Fri Feb 15, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: Building a home
Replies: 31
Views: 2461

Re: Building a home

From everything I’ve read online, building is almost universally more expensive The reason for this is almost all quotes for spec homes start off with the cheapest grade of materials for everything. Very few homeowners want carpet instead of hardwood, linoleum instead of tile, formica instead of gr...
by fishandgolf
Wed Feb 13, 2019 6:57 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Issues
Replies: 19
Views: 1550

Re: Refrigerator Issues

We had an old "Cold Spot" fridge that we got from my in-laws many years ago. It was from the late 1950's. Symptoms that you describe were very similar to ours. It would work fine for a few weeks.........then it would go on a blink. Eventually realized that it was probably costing us more in energy.....
by fishandgolf
Tue Feb 12, 2019 8:14 pm
Forum: Investing - Theory, News & General
Topic: Benefits of Fidelity vs Vanguard
Replies: 48
Views: 4935

Re: Benefits of Fidelity vs Vanguard

A very special friend introduced me to Vanguard 10+ years ago. Never heard of them before.....hell..... I was so new at this stuff.....the only investment firm I had any awareness was of Wells Fargo. That is because my 401k was with them. Long story short............I developed a relationship with V...
by fishandgolf
Fri Feb 08, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10751

Re: Money saving move you regret the most?

I said something about this in another posting and it's on my mind. Again, there's no rule; I don't regret this in a "should-have-known" sense, but I really wish we had replaced our lousy stinking GE dishwasher when it crapped out on us the second time. Instead of buying a new dishwasher for $1,000...
by fishandgolf
Fri Feb 08, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market yield over 2.5%
Replies: 155
Views: 24910

Re: Vanguard Prime Money Market yield over 2.5%

[/quote] Kevin, Thank you so much for your detailed response...I have a better understanding of how to calculate the TEY in the future. Additionally...I continue to be amazed by individuals like you on Bogleheads.org who take the time to help so many individuals like me who are not as versed on cert...
by fishandgolf
Fri Feb 01, 2019 9:07 am
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9605

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Maybe I'm missing something. Grew up with two goldens, intentionally did not get dogs after getting married because I knew of the care required, etc. Do people not think this stuff through BEFORE getting a pet? I have a neighbor with a large dog that sits in a crate all day. I cannot imagine puttin...
by fishandgolf
Thu Jan 31, 2019 6:45 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9605

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

Toons wrote:
Thu Jan 31, 2019 5:35 pm
Doggie Door

:happy
Well kinda sorta..........Toons might have the correct answer.........you can take either the one from the right hand or the left hand............
by fishandgolf
Thu Jan 31, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: When taking Social Security @62 could be wise
Replies: 191
Views: 13712

Re: When taking Social Security @62 could be wise

Yes and how many financial advisors would suggest Roth conversions for the same reason? I guess I don't understand why it would be taboo for a financial advisor to push for Roth conversions? Would it not be a tax advantages (assuming they are not elevated into a higher tax bracket to do the convers...
by fishandgolf
Thu Jan 31, 2019 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Were you 100% debt free at retirement
Replies: 163
Views: 9889

Re: Were you 100% debt free at retirement

I retired at 55. We had a small mortgage when I retired but within two years we made that disappear. I hate debt....but DW really hates debt...... During our early years of marriage, we had a few small car loans....but that was it. Kids college money, wedding money, home improvement.........everythi...
by fishandgolf
Thu Jan 31, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: When taking Social Security @62 could be wise
Replies: 191
Views: 13712

Re: When taking Social Security @62 could be wise

When I ask a lot of my friends why they took SS at 62 they told me that their “financial advisor” told them to. Gee, I wonder why? Yes and how many financial advisors would suggest Roth conversions for the same reason? I guess I don't understand why it would be taboo for a financial advisor to push...
by fishandgolf
Thu Jan 31, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: When taking Social Security @62 could be wise
Replies: 191
Views: 13712

Re: When taking Social Security @62 could be wise

When I ask a lot of my friends why they took SS at 62 they told me that their “financial advisor” told them to. Gee, I wonder why? Yes and how many financial advisors would suggest Roth conversions for the same reason? I guess I don't understand why it would be taboo for a financial advisor to push...
by fishandgolf
Tue Jan 29, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: No Heat! (Live in Michigan)
Replies: 47
Views: 4786

Re: No Heat! (Live in Michigan)

Could be flame sensor. Youtube is helpful. https://www.youtube.com/watch?v=3Jonl_TLkpE&t=476s Don't stay in a freezing home. Find a hotel if you can't get it fixed. Had this happen to our family several years ago.....sub-zero temps.....I was very concerned. Could not get the furnace to fire...........
by fishandgolf
Tue Jan 29, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Sharing Elementary Class Photos
Replies: 40
Views: 2806

Re: Sharing Elementary Class Photos

Jeeze some people here must not be able to use a bathroom without talking to their lawyer first. Post the pics. Some photographer from the 70's isn't going to send you a Cease and Desist and if they do comply with it. Simple as that +1,000,000,000 OMG........I guess there are still a few folks livi...
by fishandgolf
Sat Jan 26, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25234

Re: What lifestyle creep made you happier?

Just a short list...... 1). Not having to get up at 4:30 AM to catch a flight... :annoyed 2). Not having to drag luggage everywhere :x 3). Not having to remember where I parked the rental car. :? 4). Not having to remember what my room number is and what motel I am staying at each day. :? 5). Not ha...
by fishandgolf
Fri Jan 25, 2019 7:31 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3587

Re: Happy Birthday, Taylor!

Happy Birthday Taylor.............thank you for all of your contributions......... :sharebeer
by fishandgolf
Wed Jan 23, 2019 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: Why doesn't a lot of money feel like a lot of money?
Replies: 205
Views: 21376

Re: Why doesn't a lot of money feel like a lot of money?

GoldStar wrote:
Wed Jan 23, 2019 11:01 am
The old saying "Money doesn't buy happiness" is true. Studies show that once you have enough for basic necessities and sustenance - much beyond that doesn't move the happiness needle much.
Money doesn't buy happiness.... :o ..but it does buy a more enjoyable form of misery........ :wink:
by fishandgolf
Wed Jan 23, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Cleaning cast iron skillet
Replies: 37
Views: 2797

Re: Cleaning cast iron skillet

You can't ruin a cast iron skillet. I take pleasure in rehabbing them back to usable condition (You can get them for real cheap at estate sales). Below is a great method using flaxseed oil. https://www.thekitchn.com/i-seasoned-my-cast-iron-pan-with-flaxseed-oil-and-heres-what-happened-224612 OMG......
by fishandgolf
Tue Jan 22, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9098

Re: Grocery shopping strategy

I didn't read all the posts but does anyone shop at Woodman's? They are predominately located in Wisconsin, but do have a few locations in MN, IL and MI. Great place........excellent choices........ Prices are much better than Walmart.....and a tad lower than Aldies. We're about an hour from one ......
by fishandgolf
Tue Jan 22, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

Re: House For Sale By Owner - Suggestions Welcome

A couple of additional thoughts: While realtors are motivated to overquote likely sales price to get the listing, you may consider letting the $365k realtor (or another established realtor) have the property as a "pocket listing" (no MLS) for the next three months with the caveat that you're only i...
by fishandgolf
Tue Jan 22, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

Re: House For Sale By Owner - Suggestions Welcome

A couple of comments. For people who are proud that they sold their house FSBO in less than a week, are you sure you got top dollar? This is certainly a reasonable question to ask, but sometimes the answer is that top dollar is not all that matters. :happy This is a great question..........and yes ...
by fishandgolf
Mon Jan 21, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

Re: House For Sale By Owner - Suggestions Welcome

Couple initial gut-checks - are you serious and willing to put in the extra time to sell the house? Is your house organized/present well? Yes......I am retired and have time. Been working to keep the house in pristine condition for 18 years. 1. Hire a local company to do professional photos ~ $200....
by fishandgolf
Mon Jan 21, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

Re: House For Sale By Owner - Suggestions Welcome

Thanks for the replies.........appreciate sharing your experiences. As mentioned in my OP, the area we live in is very desirable....it's a wooded sub-division in the country. All properties are wooded with mature trees. During the past 18 years, several neighbors sold their homes via FSBO......most ...
by fishandgolf
Mon Jan 21, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

Re: House For Sale By Owner - Suggestions Welcome

It's time to downsize..........getting up there in age (mid 60's). DW and I are planning to put our house up for sale in April/May 2019. Our initial plan is to do the "For Sale By Owner" (FSBO). A little background........... Our house is 1/2 log (log siding with conventional 2" x 6" wall construct...
by fishandgolf
Mon Jan 21, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: House For Sale By Owner - Suggestions Welcome
Replies: 40
Views: 2625

House For Sale By Owner - Suggestions Welcome

It's time to downsize..........getting up there in age (mid 60's). DW and I are planning to put our house up for sale in April/May 2019. Our initial plan is to do the "For Sale By Owner" (FSBO). A little background........... Our house is 1/2 log (log siding with conventional 2" x 6" wall constructi...
by fishandgolf
Wed Jan 16, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49842

Re: John Bogle is dead at 89

Rest in Peace my dear friend..............there are no words that I can offer that are fitting for the noble GIANT of a person that you were.......

My life has been changed.....and changed so well because of what you stood for..........

RIP Jack.......
by fishandgolf
Wed Jan 16, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49842

Re: John Bogle is dead at 89

Rest in Peace my dear friend..............there are no words that I can offer that are befitting for the noble GIANT of a person that you were.......

My life has been changed.....and changed so well because of what you stood for..........

RIP Jack.......
by fishandgolf
Sun Jan 13, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9781

Re: Did you ever "win" big?

I would urge anyone reading this thread to consider a few things I have observed about men, specifically, in their conversation with other men (I cannot really speak to the female gender case). Men pretty much always lie or exaggerate about certain things. My benchmark for this is my close friends,...
by fishandgolf
Tue Jan 08, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Wisconsin Real Estate Recovery
Replies: 6
Views: 801

Re: Wisconsin Real Estate Recovery

My mother (also Wisconsin) was in an assisted living facility and her money ran out ~ two years before she passed; she spent her last two years on medicaid. About 2 years before her money depleted, I met with a attorney who specialized in Elder Law and Asset Preservation. My mother had a few small l...
by fishandgolf
Mon Dec 31, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Happy New Year Do you have plans?
Replies: 37
Views: 1822

Re: Happy New Year Do you have plans?

May you all have a very happy and prosperous 2019. I am planning for it to be so. Tonight, I will be going with my wife to a nice dinner, not only to celebrate the new year, but more so to celebrate our 58th Anniversary. (How did she stand me that long?) Do you have plans? HAPPY NEW YEAR Jim Happy ...
by fishandgolf
Mon Dec 31, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Another Annuity Question
Replies: 14
Views: 839

Re: Another Annuity Question

Here are the details of the annuity (Vanguard) that I am considering:

Single 15 Year Period Certain

Deposit Amount: $488,068.20

Monthly Income: $3,485.00

Annual Amt: $41,820.00

Periodic Rate: 3.31%

Payout Rate: 8.6%

Total Amount Paid out after 15 years: $627,300.00
by fishandgolf
Mon Dec 31, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Another Annuity Question
Replies: 14
Views: 839

Re: Another Annuity Question

Thanks for the replies. The primary reason for the 15 year Fixed Annuity is Peace Of Mind . I want a guaranteed income for that 15 year period.....without the volatility. I will only be taking 1/2 of my investments to do this. The other 1/2 will remain in the market at a conservative AA. Will have t...
by fishandgolf
Sun Dec 30, 2018 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Another Annuity Question
Replies: 14
Views: 839

Another Annuity Question

DW plans to retire within the next 12-18 months. To secure our retirement and to have peace of mind, we plan to take approximately one half of our investments and purchase an annuity; considering a 15 or 20 year fixed Single Premium Immediate Annuity (no.....we are not considering a life time annuit...
by fishandgolf
Sat Dec 29, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13854

Re: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]

[/quote] He continued with this important note: If you will need money relatively soon for, say, college tuition or a down payment on a house, he suggests cashing out enough of your holdings quickly to cover the coming obligations. “If I had a big liability in a year, I’d get prepared for it right n...
by fishandgolf
Fri Dec 28, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2305

Re: Tips to Save without hassle

Grandkids ! Our expenses were a pittance before those little buggers arrived! Good thing we only have 3 or we'd be eat'n beans and weeines every nite! That's what compound growth does for you. You start out feeding one kid until (s)he grows up. Then pretty soon there's two more. Add another generat...
by fishandgolf
Fri Dec 28, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: Tips to Save without hassle
Replies: 32
Views: 2305

Re: Tips to Save without hassle

Grandkids! Our expenses were a pittance before those little buggers arrived! Good thing we only have 3 or we'd be eat'n beans and weeines every nite!
by fishandgolf
Fri Dec 28, 2018 4:28 pm
Forum: US Chapters
Topic: My favorite Boglehead posters
Replies: 142
Views: 8395

Re: My favorite Boglehead posters

LadyGeek.... :beer
by fishandgolf
Wed Dec 26, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 575
Views: 65554

Re: U.S. stocks continue to soar!

DaftInvestor wrote:
Wed Dec 26, 2018 4:33 pm
WOW - What a day!
+1000

It certainly was fun...........

Gotta bottle of prosecco chilling on ice......DW and I made a few very important financial decisions today to secure our retirement...:sharebeer
by fishandgolf
Sun Dec 23, 2018 3:02 pm
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11392

Re: My Christmas Present To You

Thank you Taylor for your dedication and service to our country. Merry Christmas and Happy New Year to you and your family!
by fishandgolf
Thu Dec 20, 2018 9:02 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19833

Re: Favorite Purchase of 2018?

A double fillet fish sandwich and large order of fries from McDonald's.......it's been years........didn't even know they had a double... :o
by fishandgolf
Tue Dec 18, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 6935

Re: Buyer's Remorse on purchasing a Mercedes

The two basic options you face (keep it or sell it) are pretty simple...........the actionable choice is where the problem lies........ If this car is going to be your nemesis and you are going to regret having it but are indecisive about dumping it............it will be a thorn in your side every t...
by fishandgolf
Mon Dec 17, 2018 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 5372

Re: Marriage and separate accounts - how does it work?

Married my high school sweet heart.........going on 42 years..... Everything is joint......noting separate....has been that way since day one. My parents and her parents always had joint accounts......no issues. DW is a cheap date. My "fishing and golfing" activities tend to cost a tad bit more than...
by fishandgolf
Mon Dec 17, 2018 4:30 pm
Forum: Investing - Theory, News & General
Topic: "Vectors"
Replies: 13
Views: 1429

Re: "Vectors"

Bogleheads: For many years I was a financial newsletter junkie who, once a month, would go to the main Miami library to read the latest financial newsletters (20-30). Today, we have countless online newsletters. Most are filled with "can't lose stocks to buy now," economic forecasts, market forecas...
by fishandgolf
Sun Dec 16, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: Adult Games / Board Games - Recommendations
Replies: 55
Views: 3641

Re: Adult Games / Board Games - Recommendations

The Game of Things is simple and a ton of fun. You can be as filthy or G rated as you want. Good for family or friends. ......thanks for the tip...just reviewed it on You Tube .......could be fun..... There is one group in our family (cousins) who like to get a little.....on the "X-Rated" side of t...