Search found 259 matches

by Jimmie
Mon Jan 21, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: Help me understand Google Drive
Replies: 15
Views: 896

Re: Help me understand Google Drive

I wouldn't really recommend Google drive for a "backed up" version on your desktop. It really is intended, and works best, if everything is kept in the cloud. Of course, this requires a good wifi/internet connection at all times. I think your biggest problem is using a Publisher file :) I know teac...
by Jimmie
Mon Jan 21, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Help me understand Google Drive
Replies: 15
Views: 896

Re: Help me understand Google Drive

Google Drive is "cloud based". Everything you put on it can be accessed from ANY device using the same Google account. You can also set up sharing or send a shareable link to allow others access. Access can be a variety of "Can Edit", "Can View", or "Can Comment" set up by the owner of the document.
by Jimmie
Mon Jan 21, 2019 12:24 pm
Forum: Personal Consumer Issues
Topic: Federal Workers
Replies: 33
Views: 1362

Re: Federal Workers

JoMoney wrote:
Mon Jan 21, 2019 12:21 pm
Unfortunately, most Americans live paycheck to paycheck.
I can make the case that a significant number of Americans are AT LEAST one paycheck BEHIND "living paycheck to paycheck".

Ever see a payday loan place?
by Jimmie
Mon Jan 21, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Sicily over Italian cities?
Replies: 41
Views: 2268

Re: Sicily over Italian cities?

theplayer11 wrote:
Mon Jan 21, 2019 9:39 am
Before we went to Switzerland a few years back, I had 3 different people ask me why Switzerland, what's to do there? It was probably our best trip to date.
Lots of awesome things about Switzerland. And their flag is a big plus. :D
by Jimmie
Mon Jan 21, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Have you searched for your unclaimed property?
Replies: 20
Views: 906

Re: Have you searched for your unclaimed property?

I contacted my state (Ohio) and found out I have about $50 in unclaimed funds from Cleveland Indians baseball stock. As a gift from my best friend at his wedding, he gave the bridal party framed stock certificates from the Indians. This was about 20 years ago when they were pretty good, so the certi...
by Jimmie
Mon Jan 21, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Retirement savings new research
Replies: 29
Views: 5864

Re: Retirement savings new research

Then as one approaches age 60, there are more options at your disposal... Don't get me wrong, we do have options. The obvious best option, financially, is to work until 70. My GF and I have worked too hard at grueling jobs to strive for that option only. I am constantly analyzing other options to a...
by Jimmie
Sun Jan 20, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 104
Views: 4983

Re: Grocery shopping strategy

Speaking of phone apps, I use the Sam's Club app, "Scan & Go" and LOVE it. You scan each item as you put it into your cart. At the end you hit "Checkout" using a funding source (credit card) previously entered in your profile. The checkout process generates a scan code for the person at the door to ...
by Jimmie
Sun Jan 20, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 104
Views: 4983

Re: Grocery shopping strategy

For consumer staples, I order from Amazon. For caloric intake, a single visit to Taco Bell suffices for 1-2 days. Soylent, also from Amazon, fills in the bulk of the balance. Occasional ramen, canned soups, rice packets, from those rare shopping trips, rounds out the “diet”. ...and I wonder why I’m...
by Jimmie
Sun Jan 20, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 104
Views: 4983

Re: Grocery shopping strategy

Fun fact: The founders of ALDI are the brothers who also founded Trader Joe's. Trader Joe's is now a subsidiary of one of the Aldi companies, but they weren't founded by the same people. TJ's was founded by Joe Coulombe in '58. Aldi was founded in Germany in '46. My bad. I was wrong about the "foun...
by Jimmie
Sun Jan 20, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 104
Views: 4983

Re: Grocery shopping strategy

While there are a some good quality items at Costco that I indulge in and I do buy meat there, the only two stores you really need are Aldi's and Walmart if price is your driver. It is for me. I've done the spreadsheet thing for a while now. Aldi's first, cleanup at Walmart. And I've concluded the ...
by Jimmie
Sun Jan 20, 2019 3:52 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 104
Views: 4983

Re: Grocery shopping strategy

When I first got divorced, I developed a keener sense of prices out of necessity. I should have done it sooner. I spent hours setting up a spreadsheet with everything I bought: food, paper towels, cleaning supplies, EVERYTHING. I made three VENDOR columns, then spent several more hours shopping and ...
by Jimmie
Sun Jan 20, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3825

Re: What is a Boglehead funeral/burial?

hoops777 wrote:
Sun Jan 20, 2019 1:34 pm
A boglehead funeral is when one dares to buy something that is not an index fund or believes in dividend stocks. :happy
Good one.

I was thinking that when Bogleheads die, they immediately lose their membership. They are no longer "staying the course". :P
by Jimmie
Sun Jan 20, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Retirement savings new research
Replies: 29
Views: 5864

Re: Retirement savings new research

To make this work the person must ensure they don't get laid off and must also maintain the physical and mental skills needed to do their job. This can be harder to do then the retirement theorists think. Best point I've seen in a while here. My GF and I have good jobs that pay well. We are respons...
by Jimmie
Sun Jan 20, 2019 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8012

Re: Divorce w/child. Spouse wants to move.

I'm not necessarily recommending this, but I knew of a family who lived in different cities who split custody this way after their son was in school: Kindergarten to 3rd grade: Father in City A during school year, Mother in City B (about 6 hours away) during xmas and summer breaks 4th grade to 9th ...
by Jimmie
Sun Jan 20, 2019 11:39 am
Forum: Personal Consumer Issues
Topic: Do any of you guys have a good on-line wine store?
Replies: 12
Views: 955

Re: Do any of you guys have a good on-line wine store?

I haven't found the on line pricing to be that good. Depending on where you live, I find that between Total Wine, Costco, and Trader Joe's I can get access to a large variety of wines at good prices Mike +1 There are several brick-and-mortar wine shops, different from those listed, near me that pro...
by Jimmie
Sun Jan 20, 2019 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8012

Re: Divorce w/child. Spouse wants to move.

Getting marriage counseling may be more beneficial than lawyers egging you guys on for a fight over assets. Although I agree with much of the rest of your reply, if I were a lawyer, I would be insulted. Any lawyer I ever hired was nothing but professional. If they aren't, you chose the wrong lawyer...
by Jimmie
Sun Jan 20, 2019 10:36 am
Forum: Investing - Help with Personal Investments
Topic: For those with both Vanguard and Schwab
Replies: 43
Views: 2138

Re: For those with both Vanguard and Schwab

A 401k account was held at Schwab for a job I held from 2005 through 2013. After I left, the 401k was rolled into a traditional IRA. In 2016, that employer terminated a defined benefit plan, so I received a significant lump sum amount. About when I knew that money was coming, I started reading at th...
by Jimmie
Sun Jan 20, 2019 10:04 am
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1533

Re: Henderson, Nevada ?

You do realize that Henderson is only 10 or 15 miles from Las Vegas, don't you? Got that. Have you lived there ? No, but knowing that location should give you at least a good idea about the climate. Knowing other things about a large city should give you a rough feel of what to expect in a nearby s...
by Jimmie
Sun Jan 20, 2019 9:50 am
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1533

Re: Henderson, Nevada ?

You do realize that Henderson is only 10 or 15 miles from Las Vegas, don't you?
by Jimmie
Sun Jan 20, 2019 8:54 am
Forum: Personal Consumer Issues
Topic: bathroom vent condensation moisture
Replies: 19
Views: 1857

Re: bathroom vent condensation moisture

No matter what the problem is and its solution, consider replacing the fan on/off switch with a timer switch. This will keep the fan running for a preset time AFTER you get out of the shower to clear out the residual steam. https://www.homedepot.com/p/Defiant-20-Amp-60-Minute-In-Wall-Spring-Wound-Ti...
by Jimmie
Sun Jan 20, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8012

Re: Divorce w/child. Spouse wants to move.

OP, you really need to get lawyers involved here. If there are things you don't agree on like where to live and how to split assets, you need more than just mediation. JMHO I don't agree lawyers are needed. The decision to get a lawyer depends upon the willingness of the parties to negotiate in goo...
by Jimmie
Sat Jan 19, 2019 4:05 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 83
Views: 3825

Re: What is a Boglehead funeral/burial?

123 wrote:
Sat Jan 19, 2019 1:25 pm
No service or arrangements. Simple pre-arranged donation of remains to medical school.
Or should that be THREE medical schools? And at least one of them international. :D
by Jimmie
Sat Jan 19, 2019 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Should I dump our wealth planner/financial advisor?
Replies: 38
Views: 2965

Re: Should I dump our wealth planner/financial advisor?

Seven figure portfolio here. The best value comes from having a good CPA. Investing is the easy part. Managing a seven figure portfolio and making sure the tax man gets his can be more complicated. 500 bucks a year to a good CPA who will make sure you're on track with quarterly taxes etc, is the wa...
by Jimmie
Sat Jan 19, 2019 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Differences in Investment Approach
Replies: 46
Views: 1567

Re: Differences in investment approach

livesoft wrote:
Fri Jan 18, 2019 10:18 am
Market timing: Everybody does it, but only a few admit to it including Yours Truly.
I have been quite successful at accurately timing the market. Every trading day, it opens as 9:30 am and closes at 4 pm. They even ring a loud bell to remind everyone.
by Jimmie
Fri Jan 18, 2019 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-Retirement Review- Need Wise & Witty Bogleheads
Replies: 13
Views: 2331

Re: Pre-Retirement Review- Need Wise & Witty Bogleheads

Health insurance:- two options #1 - Cobra for six months at $600 a month (or $7.2k a year)...and then ACA. #2 - my employers retiree UNsubsidized health insurance, at currently $1,500 a month ($18k a year,) but that I can use all the way to age 65.  It has in network annual deductible of $2,500  an...
by Jimmie
Fri Jan 18, 2019 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 44
Views: 3107

Re: Schwab to Vanguard ?

Doesn't Vanguard have commissions on individual stocks? I wouldn't sell them there if so. Then again, I never move anything anywhere unless the new custodian is paying for it. Good points. The transfer has no fees, but the commissions to buy or sell individual stocks is $7 per trade at Vanguard and...
by Jimmie
Fri Jan 18, 2019 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab to Vanguard ?
Replies: 44
Views: 3107

Re: Schwab to Vanguard ?

Four years ago, a previous employer terminated a defined benefit plan. I put the lump sum into my existing Schwab account which was the brokerage that held my rolled-over IRA established when I left. I then transferred about half of the cash to a newly-opened Vanguard account to buy mutual funds. Th...
by Jimmie
Thu Jan 17, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Anyone with experience with Carmax?
Replies: 74
Views: 23700

Re: Anyone with experience with Carmax?

Deleted
by Jimmie
Thu Jan 17, 2019 3:45 pm
Forum: Personal Consumer Issues
Topic: Recommendations for home paper shredder
Replies: 60
Views: 4814

Re: Recommendations for home paper shredder

Ged wrote:
Sun Jan 15, 2017 5:41 pm
F150HD wrote: where specifically do you put the oil?
Into the paper feed in the top. Basically an eyedropper full distributed along the metal feeders.
Or spray the metal shredder parts with WD-40. I use the thin spray extender to minimize the spray pattern.
by Jimmie
Thu Jan 17, 2019 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is there a tool that can take a fund and convert it to closest Vanguard fund?
Replies: 7
Views: 439

Re: Is there a tool that can take a fund and convert it to closest Vanguard fund?

Check vanguard's web site, findsimilarfund :D https://personal.vanguard.com/us/funds/tools/findsimilarfund?FundId=T139&FundIntExt=EXT Hope that helps. Holey Moley! I randomly messed around with this tool for a while. Not unexpectedly, the lower costs of the similar Vanguard fund was crazy! Like 8 t...
by Jimmie
Thu Jan 17, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: Google Sheets S&P 500 Index Price
Replies: 5
Views: 686

Re: Google Sheets S&P 500 Index Price

Very odd. INX has always worked in a Google Sheets spreadsheet I generated years ago. As of this week, I too am having the same "N/A" result.

Strangely, I am unable to find any reason for the change when I Google the topic. :oops:
by Jimmie
Tue Jan 15, 2019 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Preparing for modest early retirement in 5yrs. Questions & Feedback.
Replies: 36
Views: 2416

Re: Preparing for modest early retirement in 5yrs. Questions & Feedback.

Any thoughts on how health insurance costs are going to be funded?
by Jimmie
Tue Jan 15, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Using carry-on for traveling locally?
Replies: 22
Views: 1627

Re: Using carry-on for traveling locally?

No I mean I do not have anything right now. I use gym duffel bag but problem is my clothing becomes a mess and my camera equipment is not secure. No matter what bag you choose, get some "packing cubes". You can Google it. Although, I use them all the time for all travel, others either love them or ...
by Jimmie
Tue Jan 15, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 104
Views: 9252

Re: Gas station prices and quality

I don't but do this, but many people I know patronize certain gas stations based on a credit card their company gives them. Because of this, they have no regard to price or saving their company any money.
by Jimmie
Tue Jan 15, 2019 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 8661

Re: Getting a Mortgage when You can Pay Cash for a House

Yeah, because paying off a mortgage and being left with no money is really gonna help when you lose your job. I wrote many times that liquidity and opportunity cost are among the most important reasons to hold a mortgage. It's safer to have a mortgage. An emergency fund is cost of doing business. B...
by Jimmie
Tue Jan 15, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Any good reason to get a smartwatch?
Replies: 93
Views: 3901

Re: Any good reason to get a smartwatch?

For the Google Home/ Alexa, I think the biggest benefit for me is home automation. So for example, I come downstairs in the morning and with a simple 'Good Morning' my lights turn on, TV turns on and I get the current weather outside, lot of possibilities. This set up entails installing smart switc...
by Jimmie
Tue Jan 15, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Social Security Benefits
Replies: 11
Views: 1304

Re: Maximizing Social Security Benefits

Go straight to the SSA about taxes: https://www.ssa.gov/planners/taxes.html I am in a similar boat with my GF. My age is 61 and she is 63. Without minor or dependent children being involved, I see no financial advantage to getting married, particularly since our individual financial situations are p...
by Jimmie
Fri Jan 11, 2019 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Financing home remodel
Replies: 4
Views: 460

Re: Financing home remodel

My GF and I are similar aged. We are considering a similar remodeling project, but probably "only" $25K. I am leaning toward a HELOC.
by Jimmie
Fri Jan 11, 2019 3:51 pm
Forum: Investing - Theory, News & General
Topic: Retirement calculator with alternate withdrawal methods?
Replies: 3
Views: 465

Re: Retirement calculator with alternate withdrawal methods?

I think withdrawal strategies are generally poor matches for real world withdrawal needs. Good point. I'm currently investigating some scenarios that include an early retirement option for either my GF or me (or both). Considering our combined assets offer us comfort no matter what, we have a commo...
by Jimmie
Fri Jan 11, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 9604

Re: Did you ever "win" big?

On advice from my dad, I sold half my position every time the stock doubled. If I hadn't sold, that 4k initial investment would be worth north of 12mil today. Don't be too hard on your Dad. His advice ensured you would not lose a penny on a purely speculative play that could have gone south just as...
by Jimmie
Thu Jan 10, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Too many credit cards?
Replies: 54
Views: 2816

Re: Too many credit cards?

You always need a backup. It’s becoming more common for card banks to flag suspicious purchases. That’s great, but it also means that your card can get shut down until you call them. Bingo! Anyone who swears by one credit card and has been lucky so far has been playing Russian roulette. All it take...
by Jimmie
Tue Jan 08, 2019 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Life transition, what's next
Replies: 25
Views: 3190

Re: Life transition, what's next

On behalf of all the future posters, please include more information. For example, you say your wife pays rent with SS. How much is that?

Giving out the most information will yield the best responses. The people on this site know their stuff, are generally nice, and willing to help.
by Jimmie
Tue Jan 08, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus toward student loans or 401(k)?
Replies: 18
Views: 918

Re: Bonus toward student loans or 401(k)?

Lots of good suggestions and I congratulate you for your planning. If you are good with spreadsheets, I would set up one with all the details and play with the variables to see what scenario yields the best results. You did not mention what the interest rate is with your mortgage, so that probably w...
by Jimmie
Tue Jan 08, 2019 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Role of a HECM (Reverse Mortgage) in Retirement?
Replies: 8
Views: 515

Re: Role of a HECM (Reverse Mortgage) in Retirement?

Maybe as a last line of defense from being homeless and eating dogfood but they are still high expense products that are somewhat complicated. I believe the same thing. However, I recently read that something like 43% of all Americans have no retirement income other than what SS provides. If you ha...
by Jimmie
Tue Jan 08, 2019 3:17 pm
Forum: Personal Consumer Issues
Topic: I bought a new iPad on sale...should I have?
Replies: 38
Views: 2539

Re: I bought a new iPad on sale...should I have?

I wonder how many people struggle with paying $240 for an ipad that you will easily get 4,000+ hours of use/entertainment in 4 years but completely ignore other expenses like $100 cell phone plans, $80 meals at a restaurant, $250/night hotels, etc. I can understand why someone wouldn't want to pay ...
by Jimmie
Tue Jan 08, 2019 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate how much to contribute to 401k to reach the maximum limit by years end?
Replies: 11
Views: 674

Re: How to calculate how much to contribute to 401k to reach the maximum limit by years end?

On top of this, some employers like mine only allow whole fixed % increments so the $ amount is not always perfect. But since i get no EE match, i just put in a high % amount so the max is already done 2-3 paychecks before end of the year. Great advice. Then, you have enough time to adjust your con...
by Jimmie
Tue Jan 08, 2019 2:40 pm
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3389

Re: master suite features for addition

Why go to the expense of two laundry rooms in one house? For the same reason as the expense of having more than one bathroom in one house: Convenience. In larger homes, the main laundry room may be quite some distance away from the master suite. Having an additional laundry room in the suite makes ...
by Jimmie
Tue Jan 08, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39319

Re: TurboTax Prices

I don't want to sound rude but I cannot believe the time wasted on this thread on the cost of TurboTax. Got mine at Costco with $10 off. It's on sale everywhere. I do not believe it's worth saving a few dollars to get some bargain-basement deal that may or may not come back to bite you in the butt....
by Jimmie
Tue Jan 08, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3389

Re: master suite features for addition

Why go to the expense of two laundry rooms in one house? For the same reason as the expense of having more than one bathroom in one house: Convenience. In larger homes, the main laundry room may be quite some distance away from the master suite. Having an additional laundry room in the suite makes ...
by Jimmie
Mon Jan 07, 2019 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Fiancée Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals
Replies: 136
Views: 10543

Re: Fiance Thinks I'm Putting Too Much Towards Retirement/ Not Enough Towards Short-Term Goals

IMHO, I would suggest sitting down together and make a savings budget. Figure out exactly how much you want save for each of the savings items: wedding, house, Roth, emergency fund, etc. Both of you have responsible plans, you just have different targets. Compromise with each other. The point of doi...