Search found 275 matches

by Barkingsparrow
Mon Oct 26, 2020 5:00 pm
Forum: Investing - Theory, News & General
Topic: Can anyone comment on MaxFi financial planning software?
Replies: 9
Views: 712

Re: Can anyone comment on MaxFi financial planning software?

I'm also interested. I'd like to get more modeling on a few things such as taxes and a withdrawal strategy relative to the fact that my 80% of my retirement funds (at the start) will be in a tIRA and 20% in a Roth. Thanks for the Youtube advice as I will review those videos. What resources have you...
by Barkingsparrow
Mon Oct 26, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: Can anyone comment on MaxFi financial planning software?
Replies: 9
Views: 712

Re: Can anyone comment on MaxFi financial planning software?

I'm also interested. I'd like to get more modeling on a few things such as taxes and a withdrawal strategy relative to the fact that my 80% of my retirement funds (at the start) will be in a tIRA and 20% in a Roth. Thanks for the Youtube advice as I will review those videos.
by Barkingsparrow
Mon Oct 26, 2020 2:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5891
Views: 1393904

Re: What Movie Have You Recently Watched?

Watched “Rocket Man”. Cole of nights ago and really enjoyed it. I will second that. Very original. Where did you see this? My wife is a a huge Elton John fan. In fact, I took her to see Elton in concert Feb 2019 as a Valentine's gift. Not really a fan but I enjoyed the concert and thought his backi...
by Barkingsparrow
Sun Oct 25, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

bertilak wrote: Sun Oct 25, 2020 10:27 am
Barkingsparrow wrote: Sat Oct 24, 2020 4:08 pm What Color is Your Parachute - Retirement Edition - John Nelson.
("You are a borderline sociopath!")
Is a curmudgeon borderline sociopath? Asking for a friend.
Yes, if the friend is in his 70's.
by Barkingsparrow
Sat Oct 24, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

What Color is Your Parachute - Retirement Edition - John Nelson. Since I'm within a year or two (hopefully) of retirement, I am probably not in the target audience for this book. That said, I did not find the book all that much useful and quit reading. My eyes started to glaze over with the diagram...
by Barkingsparrow
Sat Oct 24, 2020 11:19 am
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 1086
Views: 355153

Re: Variable Percentage Withdrawal (VPW)

Apologies for posting some basic questions, but I did spend time scanning this monstrous thread to try and find answers. Note that I'm not yet retired. 1. On the Accumulation Worksheet page, under Defined Benefit Pension #1, where I put my anticipated Social Security benefit. I fill in the Start Age...
by Barkingsparrow
Thu Oct 22, 2020 5:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

America's Bank - The Epic Struggle to Create the Federal Reserve - Roger Lowenstein Prior to the creation of the Federal Reserve, our banking system was well lagging behind our economic prowess. You had thousands of banks all over the country, most with their own currency, with no central/federal r...
by Barkingsparrow
Tue Oct 20, 2020 8:33 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2202
Views: 233700

Re: [What TV Show Have You Recently Watched?]

Just finished Criminal Minds season 12. We started with season 1 back in Jan and have steadily watched 1 show almost every day - with breaks now and then to watch new seasons of other shows. The quality of the show obviously peaked a while back, and the eps are somewhat formulaic but we still enjoy ...
by Barkingsparrow
Mon Oct 19, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Smoke/CO detectors with strobe lights
Replies: 12
Views: 414

Re: Smoke/CO detectors with strobe lights

I would advise waiting until June 2021 to replace if you can. All smoke/CO alarms and detectors will need to meet the revised UL217/UL268 requirements at that point, so you will be getting an upgrade in safety at that point. For alarms with strobes that meet the current UL217 requirements, I have a...
by Barkingsparrow
Mon Oct 19, 2020 1:05 pm
Forum: Personal Consumer Issues
Topic: Smoke/CO detectors with strobe lights
Replies: 12
Views: 414

Re: Smoke/CO detectors with strobe lights

Self-install or electrician? Residential or commercial? Battery backup or not? Note that residential alarms still have to be replaced every ten years. So I'd consider price as well as features. I didn't see any strobe options at Home Depot or Lowes. I chose Kidde Firex, because they communicate wit...
by Barkingsparrow
Mon Oct 19, 2020 12:07 pm
Forum: Personal Consumer Issues
Topic: Smoke/CO detectors with strobe lights
Replies: 12
Views: 414

Smoke/CO detectors with strobe lights

Needing to upgrade our smoke alarms to come up to code. The plan is to get hardwired with strobe lights. Any recommendations as to brand/model?
by Barkingsparrow
Tue Oct 13, 2020 1:41 pm
Forum: Personal Consumer Issues
Topic: Favorite Science Fiction Movies
Replies: 142
Views: 6495

Re: Favorite Science Fiction Movies

mhalley wrote: Tue Oct 13, 2020 12:12 pm SF books I would like to see as movies:
Stranger in a Strange Land by Robert Heinlein
Hyperion by Dan Simmons
The Forever War by Joe Haldeman
Old Mans War by John Scalzi
Protector by Larry Niven
Great list. In particular, I'd like to see Old Mans War developed into a movie.
by Barkingsparrow
Tue Oct 13, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

Simple Heuristics That Make Us Smart by Gerd Gigerenzer, Peter Todd, and the ABC Research Group. I have just started it and so far I don't like it. The authors are unnecessarily sarcastic about the rationality research and some of their arguments are wrong. Nevertheless, I want to read at least 15%...
by Barkingsparrow
Mon Oct 12, 2020 4:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

I’ve got to stop reading this thread. What is really a killer is when someone hooks you on a crime novel and you need to start at the beginning of the 10-15 book series to really do it justice. Fortunately a lot of early books can be had on Libby through local libraries. Or you can check online use...
by Barkingsparrow
Mon Oct 12, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: Favorite Science Fiction Movies
Replies: 142
Views: 6495

Re: Favorite Science Fiction Movies

I cannot believe that no one has brought up the greatest movie of all time: Plan 9 From Outer Space. Ed Wood was a genius.
by Barkingsparrow
Mon Oct 12, 2020 10:46 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

Simple Heuristics That Make Us Smart by Gerd Gigerenzer, Peter Todd, and the ABC Research Group. I have just started it and so far I don't like it. The authors are unnecessarily sarcastic about the rationality research and some of their arguments are wrong. Nevertheless, I want to read at least 15%...
by Barkingsparrow
Sun Oct 11, 2020 7:16 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

Meet Me in Atlantis: My Quest to Find the 2,500 year old Sunken City - Mark Adams Normally, I would not waste my time with book such as this, but as it was written by Mark Adams I decided to give it a shot. Most people can tell you that they have heard of Atlantis, but fewer know the source of the ...
by Barkingsparrow
Thu Oct 08, 2020 1:44 pm
Forum: Personal Consumer Issues
Topic: Flying during the pandemic
Replies: 94
Views: 5712

Re: Flying during the pandemic

We flew Delta recently...round trip with a plane change in Atlanta. We felt very comfortable...would have only been concerned if we were in a high Covid risk group. I've booked a RT on Delta to Florida via Atlanta. My understanding is that the blocking middle seat deal will cease in Jan. When I boo...
by Barkingsparrow
Mon Oct 05, 2020 4:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

The Word is Murder - Anthony Horowitz I picked up this book due to a prior recommendation on this thread, and I'm glad I did. Entertaining, easy read, with some clever plotting and writing. The only nit that irritated me was all these references to his other books, shows, etc; as though some sort o...
by Barkingsparrow
Sat Oct 03, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

Saililng Alone Around The World - Joshua Slocum This is a personal narrative of the author's solo journey around the world - the first such solo journey in history. In 1895 Joshua Slocum set out from Boston on his wooden sloop/sailboat (?); 46,000 miles and 3 years later he arrived safely back in t...
by Barkingsparrow
Thu Sep 24, 2020 8:24 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5477

Re: What can I expect from new golf clubs

Many average golfers IMHO would do better emulating a LPGA swing, especially seniors, vs a PGA 300 yard drive. (swing like a girl). Notice how short a swing Fuzzy and other senior tour players have. That is a good point. PGA players typically have a talent and athleticism that us duffers can not co...
by Barkingsparrow
Thu Sep 24, 2020 4:34 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5477

Re: What can I expect from new golf clubs

This is a very useful thread for me. I am in a similar situation as the Topic Author. I have a low end set of clubs (Callaway Strata) I bought 7 years ago brand new. I had only been playing golf for a few years with clubs purchased at Goodwill. before that. Since retiring 2 years ago, the biggest f...
by Barkingsparrow
Thu Sep 24, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5477

Re: What can I expect from new golf clubs

I haven't seen it posted yet, so I will make my recommendation. I have been playing off and on for over 50 years. I played my very best in my whole life after I attended a 5 day golf camp. Your instructors will get to know your game and what you need to improve. They will also take you out for 3-4 ...
by Barkingsparrow
Tue Sep 22, 2020 7:37 am
Forum: Personal Consumer Issues
Topic: What can I expect from new golf clubs
Replies: 96
Views: 5477

Re: What can I expect from new golf clubs

Hi, Yes get a set that is 2-3 years old with graphite shafts. Technology has changed. I like adams as they are very forgiving if you don't hit in the sweet spot. You say you don't care about more distance but you'll probably gain 10-20 yards out of each club. Maybe 30 if your driver is 20 years old...
by Barkingsparrow
Tue Sep 22, 2020 7:26 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51474

Re: How to get over finance envy

oldfort wrote: Mon Sep 21, 2020 9:05 pm There's the hierarchy of wealth:
poor - don't fly at all
middle class - fly economy
upper class - fly first
ultra rich - fly private jet
Warren Buffet level - You don't just buy a private jet, you buy the entire company
You left this out:

upper middle class - fly premium economy
by Barkingsparrow
Mon Sep 21, 2020 5:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

The Worst Journey in the World - Aspard Cherry-Garard This is the author's first-hand account of the 1910-1913 Scott Antarctic expedition. The author wrote this book as a way of dealing with his PTSD - his suffering from this expedition emotionally and physically devastated him the remainder of his...
by Barkingsparrow
Mon Sep 21, 2020 4:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

The Worst Journey in the World - Aspard Cherry-Garard This is the author's first-hand account of the 1910-1913 Scott Antarctic expedition. The author wrote this book as a way of dealing with his PTSD - his suffering from this expedition emotionally and physically devastated him the remainder of his...
by Barkingsparrow
Sat Sep 19, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 16422

Re: Coping with Megacorp rat race

Correct. In my early 20s I worked for 2 megacorps hired on with the strength and freshness of my bachelor's degree. I was hired with no work to do, never given any work, and never gained any skills at either. I made $60k/year + benefits for showing up basically. Occasionally I got chewed out by a b...
by Barkingsparrow
Thu Sep 17, 2020 8:07 pm
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 111
Views: 6974

Re: Coping with Wildfire smoke

+1 to running HVAC with good filters. After researching, we went with a 4" thick Merv 13. (thick > 1", Merv 13 > Merv 12) We also been running a couple of internal air filters that we've been running. They are basically a box fan plus air filter. We'll add an internal air quality monitor to our col...
by Barkingsparrow
Sat Sep 12, 2020 10:30 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 226
Views: 17393

Re: Gardening 2020

We have a 'baby' garden - a few plants in the front flower bed of the house and some earth boxes on our deck in back but we've done exceedingly well. Our black cherry tomato plant is gangbusters - more cherry tomatoes than we can handle - just week after week and still producing. We've had lettuce a...
by Barkingsparrow
Thu Sep 10, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

Not sure how walking on a treadmill would be less forgiving or less natural than "power walking" on flat concrete. Could be a shoe/arch problem translating to lower back pain. Flat surfaces, whatever material they may be, are not natural (the reason why shoes have arches built up in them) to be on ...
by Barkingsparrow
Thu Sep 10, 2020 2:56 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4677
Views: 1289000

Re: What Book Are You Currently Reading? Part VI

Tip of the Iceberg - My 3,000 Mile Journey Around Wild Alaska, The Last Great American Frontier - Mark Adams In essence, Mark Adams attempts to retrace the route of the 3-month 1899 Harriman Alaska expedition, which included among others, John Muir; and sailed from Seattle up the Alaskan coast to S...
by Barkingsparrow
Wed Sep 09, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Trip to Key West
Replies: 25
Views: 2489

Re: Trip to Key West

From Sep to Nov a number of Key West restaurants shut down. I know that Blue Heaven is down from Sept 8th to Oct 9th or so. A fabulous Caribbean spot, Bien is closed until Nov.
by Barkingsparrow
Fri Sep 04, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Best Way to Watch British Mystery Shows
Replies: 89
Views: 7741

Re: Best Way to Watch British Mystery Shows

If you like British detective shows, Broadchurch is excellent. +1 I was hooked with season one but gave up after the first episode of season two. It looked like they were going to make me relive everything! You thought things were resolved when season one ended but no -- it's still a big mess! I lo...
by Barkingsparrow
Fri Sep 04, 2020 11:56 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

I like hiking. It's a form of interval training because some sections are more challenging. If you never get out of breath, hike faster, or carry weight. You can absolutely do it in the winter. I avoid subzero hikes, but I've done plenty below freezing. I sometimes intentionally remove some clothin...
by Barkingsparrow
Fri Sep 04, 2020 11:54 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

phantom0308 wrote: Fri Sep 04, 2020 6:29 am Have you considered working with a running coach on your poor running form/posture?
I'm not sure it's poor form so much as I have a slight degenerative issue and the treadmill just seems to aggravate it.
by Barkingsparrow
Wed Sep 02, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

Jump rope. I started jumping rope about six months ago and it has been great. It's a very efficient workout and you can get into doing tricks, which keeps it fun. This is all assuming that your back will be ok with it. Also try bodyweight exercises in a circuit. Is jumping rope hard on the knees?
by Barkingsparrow
Wed Sep 02, 2020 8:32 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

Walking on a treadmill seems pretty low-impact, so I would definitely consult your PT for ideas rather than investing in pricey equipment that will just make things worse. I know some people like to speed walk in malls, that might be an option depending on where you are. I have a follow-up appointm...
by Barkingsparrow
Wed Sep 02, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5891
Views: 1393904

Re: What Movie Have You Recently Watched?

Miss Fisher and the Crypt of Tears , on Amazon Prime. Miss Fisher reunites with Detective Inspector Jack Robinson to solve a mystery about stolen emeralds and mass murder in the Negev desert of 1920s Palestine. How did you like it? We enjoyed the Miss Fishers series well enough. Although I preferre...
by Barkingsparrow
Wed Sep 02, 2020 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 377
Views: 51474

Re: How to get over finance envy

I know a lady, late 50's, who does not contribute a penny to her 401K because she claims she does not have enough money. Which is definitely not true. In talking to her, I suggested that at the least, maybe, contribute to company matching. Last year, she sold her paid-off home (paid off because of a...
by Barkingsparrow
Tue Sep 01, 2020 4:19 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

The older one gets, one has to protect their body and nervous system by engaging in low impact exercise. That includes NOT over stretching. So many people stretch like a maniac and that simply weakens their muscles and nerves before they even start working out. I don't think a treadmill is low impa...
by Barkingsparrow
Tue Sep 01, 2020 4:15 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

"my PT blames my usage of treadmills as a root cause" Interesting. I have never heard that treadmills cause back issues. I'm curious as to the reason? Obviously walking on the ground is more natural in terms of how humans evolved vs. a TM. Plus walking outside is more interesting IMO. Primarily pos...
by Barkingsparrow
Tue Sep 01, 2020 1:08 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

Swansea wrote: Tue Sep 01, 2020 12:49 pm Folks around here used to walk in the malls during the winter months.
I've actually done that in the past. The local mall has a track marked out with distance, etc.
by Barkingsparrow
Tue Sep 01, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Re: Cardio alternatives to treadmills?

I've suffered from back issues on and off through the years and my PT blames my usage of treadmills as a root cause, and strongly recommends that I power walk outside instead - but we did not discuss any alternative for the winter months. I know some fitness trainers who never use treadmills either...
by Barkingsparrow
Tue Sep 01, 2020 11:58 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7465

Cardio alternatives to treadmills?

I've suffered from back issues on and off through the years and my PT blames my usage of treadmills as a root cause, and strongly recommends that I power walk outside instead - but we did not discuss any alternative for the winter months. I know some fitness trainers who never use treadmills either,...
by Barkingsparrow
Sat Aug 29, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 2nd mortage on deceased BIL's condo?
Replies: 15
Views: 1255

Re: Liability for 2nd mortage on deceased BIL's condo?

Turns out that it's not a 2nd mortgage, but a HELOC, and the loan was maxed out at $28K. Rate is 4.75%.
by Barkingsparrow
Sat Aug 29, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13716

Re: Thoughts on Tennessee

My family is from the Tenn / KY mountain border area. I've been on a lot of trips to and through Tenn. Not once did I ever think - I would love to live here. Some very beautiful country, but I guess I have a lot of bad memories of coal mines and the grinding poverty pervasive in so much of the Appal...
by Barkingsparrow
Sat Aug 29, 2020 11:50 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13716

Re: Thoughts on Tennessee

I could be mis-remembering, but it seems this is the poster that was looking to move so he could take his Porsche and speed around the curvy roads. If this is your goal, I cannot imagine you will be accepted with open arms in many communities. This is what the Tail of the Dragon is for: https://tai...
by Barkingsparrow
Thu Aug 27, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 2nd mortage on deceased BIL's condo?
Replies: 15
Views: 1255

Re: Liability for 2nd mortage on deceased BIL's condo?

Thanks for the replies. I've stayed out of this - they have been working well together - but they did ask about this mortgage deal. What I know: 1. The condo is valued at about $140K 2. Total bills we know about so far: 2nd mortgage - $28K, Credit Card debt - $63K. There's some other smaller stuff a...
by Barkingsparrow
Thu Aug 27, 2020 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 2nd mortage on deceased BIL's condo?
Replies: 15
Views: 1255

Liability for 2nd mortage on deceased BIL's condo?

My wife's brother passed away in March w/o leaving a will. He never married, no children, leaving things in the hands of his 3 sisters. He owned a condo with a 2nd mortgage still extant. According to a very recent statement by the attorney hired by the sisters to assist with the dispensation of the ...