Search found 144 matches

by fishandgolf
Thu Oct 19, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: [If I die before my spouse, how to direct Vanguard advisors?]
Replies: 38
Views: 2636

Re: [If I die before my spouse, how to direct Vanguard advisors?]

This is an interesting thread. I'm in a similar boat as OP. DW has no interest in managing....or even trying to figure out what to do with account after I am past tense. What I have instructed her to do is to contact Vanguard and have the account managed by their Advisory Service.......I don't care ...
by fishandgolf
Wed Oct 18, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3138

Re: 2 Commas, Seven Figure

Good for you! So far as sharing finances with family, we share with our daughters. They are adults, fully launched in their respective careers for years, and living the dream. Yes.....we do share most financial details with our two grown daughters.......they are the beneficiaries of our assets so t...
by fishandgolf
Wed Oct 18, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3138

Re: 2 Commas, Seven Figure

What I find difficult with this acheivement is the fact that there are very few folks who we can share this with. Although we do have a couple of family members that are two comma club members...... and have been for quite sometime, the majority of our family and friends are not....and will never be...
by fishandgolf
Wed Oct 18, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: 2 Commas, Seven Figure
Replies: 19
Views: 3138

2 Commas, Seven Figure

Yesterday was a pretty spectacular day for my wife and I. I checked our Vanguard account late yesterday afternoon and there it was........that second comma. Wow........I never thought I'd get that excited over a comma....but we did. :sharebeer A few years ago, we were fortunate enough to hit the two...
by fishandgolf
Sun Oct 15, 2017 5:48 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 124
Views: 6282

Re: What are you driving? And would you buy your current ride again?

2012 Chevy Impala ........bought it as a program vehicle with 27K miles. Very nice ride and an inexpensive purchase.....would buy again. 2017 Chevy Silverado 1500 pickup. This is our first new vehicle purchase in 20+ years...also first pickup truck. Wife absolutely loves it....me too. Only had it f...
by fishandgolf
Fri Oct 06, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1145

Re: Weeklong vacation Thanksgiving

I try to avoid flying around the big holidays since a canceled flight or a missed connection can be hard to recover from especially since you would need to find five seats on the same plane. If you do decide to fly I would highly recommend trying to get direct flights just so there will be less cha...
by fishandgolf
Wed Oct 04, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: River cruise recommendations (Europe)
Replies: 19
Views: 1469

Re: River cruise recommendations (Europe)

An acquaintance of ours did a 10-day river cruise in France a few years ago. Don't know the name of the cruise line but he said the pinnacle of the trip was a day spent at Normandy Beach....very emotional.....very moving. If you're into the WWII stuff (I am), might be a place to check out. This past...
by fishandgolf
Sat Sep 30, 2017 4:50 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1515

Re: Hardwood/Laminate floors ?

We recently had to replace our kitchen floor. I'd suggest looking into Vinyl plank flooring. Think: it's vinyl but looks like hardwood. It's similar to laminate -- but is water*proof* (versus water resistant for laminate). We picked it up at Home Depot and installed ourselves. Pretty easy install p...
by fishandgolf
Thu Sep 28, 2017 9:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 9013

Re: Bogleheads you would most like to meet and why?

Articpinapplecorp.....I would like to me this person...............

I have a great respect for his detailed knowledge. I have read a number of his posts and his detailed replies make a seemingly difficult subject much easier to understand........... :sharebeer
by fishandgolf
Mon Sep 25, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3118

Re: Social Security Question [Social Security Offering Lump Sum]

I waited until I turned 70 to collect $3214 a month from SS. I was called by an agent asking if I would like to take a lump sum of $27,000 which would reduce my future benefits by $146 a month. Obvious answer..... why would an "agent" con man spend time calling hundreds or thousands of people tryin...
by fishandgolf
Sun Sep 24, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8259

Re: Age you retired

Retired at age 56.......almost 9 years ago. However, wife works full-time (for insurance) so I do all home chores....cooking, cleaning, grocery shopping, laundry, etc. But, my DW does allow me some time to "fishandgolf"............
by fishandgolf
Sun Sep 24, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: Where do you get your news?
Replies: 131
Views: 8376

Re: Where do you get your news?

Wall Street Journal.......25+ years....
by fishandgolf
Wed Sep 06, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Check Received: What to do?
Replies: 22
Views: 2190

Re: Check Received: What to do?

For reasons unknown, the cable company sent a check to my long-departed mother-in-law, which was received by my wife. The check is for a very small amount, perhaps enough to cover a lunch for two at an upscale diner. My wife was the executor of the estate, which has long since been dissolved. What ...
by fishandgolf
Wed Sep 06, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24235

Re: Name something you had to have and now you regret purchasing it?

This is probably inverse of the OP's question but I can only think of a few things that I did not buy and regret that I didn't buy them. #1......We purchased a home in a wooded area 15+ years ago. The owners had an additional 1/2 acre lot for sale at the time and we could have got it for a song........
by fishandgolf
Wed Aug 30, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 10110

Re: Companies/Brands You Love?

Aldi's
Kohl's
Coke
Bacardi Rummmmmm
Skechers
Gloria Jean's Coffee
Fat Tire Beer
Menard's
Amazon
Pflueger fishing equipment
Black Angus Beef
Black Box Wine
oh....did I mention Coke, Bacardi Rummmmm.................
by fishandgolf
Mon Aug 28, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 84
Views: 8338

Re: Just saved $1000 / year on mobile plan

We pay about $13/month for two lines on Tracfone. Not unlimited, but we don't need it. We have more than enough minutes, texts, and data, and our coverage is good. +1 Been using Tracfone for many years. It works for us because we don't do a lot of travelling. Coverage is very good, with exception t...
by fishandgolf
Sat Aug 26, 2017 4:13 pm
Forum: Personal Consumer Issues
Topic: Desperate to get rid of mosquitoes, what else could we try?
Replies: 62
Views: 3824

Re: Desperate to get rid of mosquitoes, what else could we try?

Thermacell .........excellent product. Been using them for 5-6 years with great results. Couple of noteworthy points: 1). They only work well in a stationary setting...i.e., sitting on the deck or porch. Not at all effective if moving around in garden, lawn etc. 2). For maximum results, you might n...
by fishandgolf
Thu Aug 24, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 5800

Re: I did it and feel great about it (paid off mortgage)

Congratulations Steven in NC!! . After kids got out of college.......we paid ours off. It is a fabulous feeling of freedom. We still make a payment to ourselves each month for that same amount....my wife is very diligent about that. We didn't want to get into a habit of having that extra $$ around c...
by fishandgolf
Thu Aug 24, 2017 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Retirement anxiety- emotionally and financially
Replies: 55
Views: 6812

Re: Retirement anxiety- emotionally and financially

Does not the 55 Rule apply here..........at least until he/she turns 55? If so, that means an additional 10% penalty for the first couple of years. Not that it's a bit deal but if it applies, you need to plan that into your tax rate.
by fishandgolf
Sat Aug 19, 2017 8:12 am
Forum: Personal Consumer Issues
Topic: I'm Giving Up Golf
Replies: 57
Views: 12331

Re: I'm Giving Up Golf

I'm pushing 65 years young and just getting started with golf!! Frustration........yep....at least 17 of the 18 holes. I usually have one or two hits that are well,,, like..........wow....that was great! Every once in a while I will even score a par on one hole......we won't talk about the remaining...
by fishandgolf
Sat Aug 19, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Is it worth it? [demanding jobs vs time with family]
Replies: 182
Views: 12280

Re: Is it worth it? [demanding jobs vs time with family]

OP......you knew you needed to make changes in your schedule even before you started this thread. You started this thread for confirmation.......you now have it. Time to bring out that inner smile....you've got that part figured out. You are now on the threshold of making the most significant invest...
by fishandgolf
Sat Aug 12, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: How does personal wealth affect job hunting?
Replies: 57
Views: 7135

Re: Retire later with more money--or retire early with less money ?

KlangFool: Many workers must make the decision: Work longer and accumulate more money OR retire early with less money? In my case, I retired early (age 57) with a smaller pension. I didn't like my job so I quit. Looking back, it was the right decision. Best wishes. Taylor +1 Retired at age 56. No d...
by fishandgolf
Mon Aug 07, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Filing for Bankruptcy - Medical Costs
Replies: 2
Views: 618

Filing for Bankruptcy - Medical Costs

Let me preface this question by saying that I am not at all involved in or have any intentions of starting any type of bankruptcy actions or proceedings. My interest in this topic is strictly superficial...period. It's a question that came up a number of years ago and was never clearly answered. I b...
by fishandgolf
Fri Aug 04, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: Home Remodeling Expenses
Replies: 12
Views: 1443

Re: Home Remodeling Expenses

mm100.........welcome to the forum. We have lived in our home for 15+ years and have remodeled nearly every room....but have done it in phases because I am the guy doing the remodeling; time constraints are the limitations. If I were to hire a professional contractor to do the remodeling, and if the...
by fishandgolf
Fri Aug 04, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate this? [Retirement planning based on income]
Replies: 22
Views: 2212

Re: How do you calculate this?

Articpinapplecorp...........question: If I understand the chart correctly, if I have a 50/50 portfolio and my withdrawal rate is 4%, then I have a 95% chance that my money will last 30 years? Is that correct? Thanks! :?: In the past yes. The future is unknown. But the other thing is I believe the p...
by fishandgolf
Fri Aug 04, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate this? [Retirement planning based on income]
Replies: 22
Views: 2212

Re: How do you calculate this?

https://s1.postimg.org/g3pwr9pcv/Capture.jpg source: https://www.bogleheads.org/wiki/File:TrinityTable3.jpg[/quote] Articpinapplecorp...........question: If I understand the chart correctly, if I have a 50/50 portfolio and my withdrawal rate is 4%, then I have a 95% chance that my money will last 3...
by fishandgolf
Fri Aug 04, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6873

Re: Losing confidence in Ally Bank - what would you do

I've been with Ally since Feb. 2017. Moved nearly everything to Ally except for a small checking account at a local B&M. I made the move based on positive comments from folks on this site........very happy with their rates, program options and polite customer personnel. If Ally is having a few snafu...
by fishandgolf
Tue Jul 25, 2017 9:54 pm
Forum: Personal Consumer Issues
Topic: Golfers - need to ramp up ASAP!
Replies: 42
Views: 3819

Re: Golfers - need to ramp up ASAP!

Hi BH Golfers, I was invited to a big reunion with some college friends. Among the activities is 18 holes of golf. I have one month to prepare. I haven't golfed in probably 20 years and I was never bit by the 'golf bug.' But now I live within walking distance of two golf courses and it might be a g...
by fishandgolf
Thu Jul 13, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you count vehicle equity in net worth?
Replies: 203
Views: 10946

Re: Do you count vehicle equity in net worth?

reriodan wrote:If you need to count a vehicle in your net worth, you don't need to be counting your net worth.
++1 Unless of course, you have a Jay Leno kinda collection........... :oops:
by fishandgolf
Tue Jun 20, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Ally no penalty 11 month CD rate increased to 1.50% this morning
Replies: 68
Views: 9710

Re: Ally no penalty 11 month CD rate increased to 1.50% this morning

yeah.....just spotted this on another thread.... Time to move on this great offer!
by fishandgolf
Sun Jun 18, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 78
Views: 6059

Re: Best Financial Advice from Dad (in honor of father's day)

My father rarely spoke about money......but did teach us about life and values. One of the best.......

Honesty isn't the best policy...........It's the only policy
by fishandgolf
Thu Jun 15, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 41181

Re: Regret early retirement/downsizing

.....retired at age 56........... My wife said "Watcha doing today?" I said "Nothing" She said.... "You did that yesterday". I said "I wasn't finished"
by fishandgolf
Sun Jun 11, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Looking for Short Term Cell Phone Plan in Canada
Replies: 1
Views: 219

Looking for Short Term Cell Phone Plan in Canada

DW and I will be vacationing in Canada (Jasper, Banff, Lake Louise area) June 20 - 27th. Our current cell phone service is a pre-paid plan with Tracfone. It works fine in most areas in the USA but Tracfone is not active in Canada. Wondering if there is an inexpensive short-term plan (<30 days) that ...
by fishandgolf
Sat Jun 10, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2882

Re: Naming boat

"Paid for via Indexing"

"I pay myself"

"Indexing = New Boat"

"There's no place like Indexing"

"Indexing - U Can Do It 2"

"Follow Me to Indexing"
by fishandgolf
Sat Jun 10, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Travelling to Jasper, Banff, Lake Louise....few questions
Replies: 4
Views: 519

Re: Travelling to Jasper, Banff, Lake Louise....few questions

I had to edit my first thread......have a few more questions.....sorry for the confusion. :?
by fishandgolf
Fri Jun 09, 2017 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 108
Views: 21738

Re: Ally Bank - Is this a safe/best place to stash some cash?

After my initial post in January 2017, we received many positive comments about Ally Bank so DW and I opened a checking, savings, money market and credit card account.....everything was completed by early Feb. My overall comments of having worked with Ally for 4-5 months......FANTASTIC! Great people...
by fishandgolf
Fri Jun 09, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Travelling to Jasper, Banff, Lake Louise....few questions
Replies: 4
Views: 519

Travelling to Jasper, Banff, Lake Louise....few questions

I did an edit to my original post. I have more questions relating to our trip...... DW and I will be vacationing in Jasper, Banff, Lake Louise June 20th - 27th (40th Wedding Anniversary :happy ). First time we will be travelling in that area. Need to start packing for the trip and would appreciate i...
by fishandgolf
Thu Jun 08, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 6435

Re: Why You Still Can’t Trust Your Financial Adviser

"Bernie Madoff was a very trusted Financial Advisor.......... HE MADE OFF WITH EVERYONE's MONEY
by fishandgolf
Sun May 21, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: What are your priorities for retirement?
Replies: 56
Views: 6030

Re: What are your priorities for retirement?

1). Squeeze in more time for fishandgolf 2). Spend time with family and grand kids 3). Find a way to squeeze in more time for fishandgolf 4). Travel with my beautiful wife 5). Convince my beautiful wife that I need more time for fishandgolf 6) Finish landscape projects that I started three years ago...
by fishandgolf
Sat May 20, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Interesting conversation with an alleged SS actuary
Replies: 63
Views: 6002

Re: Interesting conversation with an alleged SS actuary

Now.....this is sound advice about when to take SS......:D

#1). If you need the money.....take it!

#2). If you don't need the money but want it...........take it!

#3). If you don't need it or want it early.......delay it!
by fishandgolf
Sun May 14, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: 2006 Chevy Trail Blazer - Unidentifiable Noise
Replies: 2
Views: 319

Re: 2006 Chevy Trail Blazer - Unidentifiable Noise

Thanks for the comments fabdog. I replaced tires about two years ago and rotate every 8-10k miles. There is probably 50-60% tread life remaining so I don't plan to replace until necessary. I do know the tires were aligned when installed new two years ago.....may need to do again. I don't think he di...
by fishandgolf
Sat May 13, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: 2006 Chevy Trail Blazer - Unidentifiable Noise
Replies: 2
Views: 319

2006 Chevy Trail Blazer - Unidentifiable Noise

Greetings Bogleheads........looking for input from mechanical folks. I've got an 06 Trailblazer (130K miles) that recently developed a higher pitch howling noise.....which sounds like it's coming from the rear of the vehicle. It is noticable at 30 mph and accentuates as speed increases. It's a const...
by fishandgolf
Sat May 13, 2017 8:53 am
Forum: Personal Consumer Issues
Topic: Price for brakes and rotors?
Replies: 73
Views: 4308

Re: Price for brakes and rotors?

About 2 years ago, I replaced the rotors and brakes (both axles) on my 2005 Honda Pilot on a Saturday. I had a friend help. It took me about 4 hours to do it. Some of the old rotors wouldn't come off, I had to replace a caliper pin and had to go a couple Auto zones to find the right one. You know.....
by fishandgolf
Wed Apr 26, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Colorado trip - w visit to Red Rocks
Replies: 19
Views: 1441

Re: Colorado trip - w visit to Red Rocks

My wife and I recently spent a five day trip in the Colorado area. Highlight of our trip...........tour of New Belgium Brewery in Fort Collins, CO......very enjoyable, fun and..........no shortage of beer samples :sharebeer
http://www.newbelgium.com/Brewery/fort-collins
by fishandgolf
Tue Apr 18, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Weight loss and investing
Replies: 35
Views: 4530

Re: Weight loss and investing

I stopped worrying about losing weight.........I am now concentrating on getting taller :sharebeer
by fishandgolf
Tue Apr 18, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6721

Re: Is my electric bill high?

Our electric utility provides comparison of our bill with averages for our type of usage and also compares against efficient home. Since usage varies by locale, that is helpful for us. Does your utility do that? Also, many utilities will do free energy audits that can identify things to do to reduc...
by fishandgolf
Tue Apr 18, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 6721

Re: Is my electric bill high?

Upper mid-west, 2800 sq ft. gas heat, elec. dryer. Have two refrigerators and one upright freezer. Also running a night light for security purposes. During the summer months, I run a dehumidifier, which I know uses a lot of energy. Avg. monthly is $150.00. Low of $111.00 in March .....high of $192.0...
by fishandgolf
Fri Apr 14, 2017 3:48 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 5279

Re: What do you do with your coins?

Years ago when I use to travel through Chicago on business, the toll booth fee was $0.40 at each booth. I had to go through 3 or 4 of them (one-way) to get to my destination. Someone once told me.... rather than toss in a quater, dime and a nickel, try throwing in 29 pennies. They said the counters ...
by fishandgolf
Thu Apr 13, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones Acnt
Replies: 4
Views: 819

Re: Edward Jones Acnt

I echo Silk McCue's thoughts. I prefer my accounts being tidy, for me just sets my mind at ease not having random accounts I don't use out there. I would also request to be taken off their mailing list(s) - no need for EJ's advertising. Like Silk noted, the salespeople can be persistent - just be f...
by fishandgolf
Sat Apr 08, 2017 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security at 62 vs 66
Replies: 53
Views: 9668

Re: Social Security at 62 vs 66

I thought this advise about SS was sound:

#1). If you need the money.....take it!

#2). If you don't need the money but want it...........take it!

#3). If you don't need it or want it early.......delay it!