Search found 64 matches

by skierrex
Sat Nov 21, 2020 9:15 pm
Forum: Personal Consumer Issues
Topic: How to track non-supported/obsolete tech devices?
Replies: 9
Views: 689

Re: How to track non-supported/obsolete tech devices?

I sync my contacts to my gmail account, so they are not tied to my phone. When you see her, you can look at the Last Update in Software Update. If it's been a while, you can figure it's old. Also, if she can't install a new app, it's too old. If her pictures take up all her memory, it's old. If you ...
by skierrex
Sat Nov 21, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth paying extra for more long term disabillity insurance?
Replies: 20
Views: 1777

Re: Is it worth paying extra for more long term disabillity insurance?

If the employer pays, I believe it is taxable income. So, it's 50% minus taxes. If you pay for the upgrade, it's not taxable income. So, its's 60% with NO taxes. In my experience, the insurance company will either want you or require you to apply for Social Security Disability Insurance, and will re...
by skierrex
Tue Oct 06, 2020 5:27 pm
Forum: Personal Consumer Issues
Topic: Anchors screws - over time do they get loose ???
Replies: 33
Views: 3377

Re: Anchors screws - over time do they get loose ???

Family Handyman also reviewed some.

One of them held 180 pounds!

https://www.familyhandyman.com/article/ ... ht-tested/
by skierrex
Sun Sep 20, 2020 2:02 pm
Forum: Personal Consumer Issues
Topic: Starkey Livio Edge Hearing Aids $6,800
Replies: 5
Views: 562

Re: Starkey Livio Edge Hearing Aids $6,800

I switched from regular hearing aids to Bose Hearphones, $500.

I've been very happy with them.

They are available on Amazon, but the Bose store by me had a great demo.
by skierrex
Fri Sep 18, 2020 2:19 pm
Forum: Personal Investments
Topic: Rebalancing - Unsettled Funds?
Replies: 2
Views: 151

Rebalancing - Unsettled Funds?

I'm rebalancing one of my accounts, which contains 2 etf's. I sold some of the etf that has grown out of proportion. When I went to buy the other etf, it said that the previous sale takes 2 days to settle. If I proceed, I would be using "unsettled funds". Do you normally buy with unsettled...
by skierrex
Thu Jul 09, 2020 4:01 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 39
Views: 2963

Re: Need advice for raspberry pi

I would buy an Arduino to start with, super fun! I prefer to buy mine from Adafruit.com or Sparkfun.com. These are the people that I see doing the development and adding value to the community. Some of the sellers on Amazon are just reproducing what these people have done, taking their designs for f...
by skierrex
Thu Jun 25, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: Do you use a Ninja Multi Cooker; What about IP's sous vide function?
Replies: 4
Views: 259

Re: Do you use a Ninja Multi Cooker; What about IP's sous vide function?

My IP does not maintain a consistent temperature in sous vide mode.

It starts out fine, and then gradually drifts up about 10 - 15 degrees.

I'm very disappointed in it.

I have a separate sous vide cooker, but using the IP would be more convenient.
by skierrex
Mon Sep 09, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 10326

Re: Electric Bicycles

From my post in another thread on 4-16: I rode all the store-bought ones I could find, and none had quite enough power. Most of them are 350 or 500 watts. I found a guy who has done tons of conversions over the years in Boulder. Last year, I bought a 2012 Santa Cruz Nomad with a carbon fiber frame o...
by skierrex
Tue Aug 27, 2019 5:41 pm
Forum: Personal Consumer Issues
Topic: Personal Hearing Devices (not Hearing Aids)
Replies: 9
Views: 1129

Re: Personal Hearing Devices (not Hearing Aids)

I've had real hearing aids for 5 or 6 years. They were a huge improvement over not having hearing aids. A few months ago, I went to a Bose showroom and test drove the Bose Hearphones. They were phenomenal, and I bought them on the spot for $500. My real hearing aids are behind the ear models. They h...
by skierrex
Mon Jun 17, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: 2013 Cadillac SRX - Corroded / Pitted Wheels
Replies: 12
Views: 1007

Re: 2013 Cadillac SRX - Corroded / Pitted Wheels

Similar to what runner3081 said. If you buy from Tire Rack, you will probably get them installed at Discount Tire. Get a price from Tire Rack, and use that to get a good price from Discount Tire. I've owned some Cadillacs, and once the problems started, they didn't let up. I'd put some wheels on it ...
by skierrex
Sat Jun 15, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 120
Views: 10886

Re: Article on high deductible health plans - and the math

When my employer started offering an HDHP, I made some spreadsheets. I could not find a case where the HDHP was not the best choice. Light medical user, low premiums wins. Heavy medical user, low premiums combined with $5k max out of pocket wins. The HSA and employer contribution were icing on the c...
by skierrex
Thu May 16, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Bigger car, less economical but more safe.. Get used to smaller car over time?
Replies: 106
Views: 8425

Re: Bigger car, less economical but more safe.. Get used to smaller car over time?

https://www.iihs.org/ratings/driver-death-rates-by-make-and-model The overall driver death rate for all 2014 and equivalent models during 2012-15 was 30 deaths per million registered vehicle years. Eleven models had driver death rates of zero. The highest death rate was 104 for the Hyundai Accent, ...
by skierrex
Thu May 16, 2019 9:17 pm
Forum: Personal Consumer Issues
Topic: About to Adopt an Ausiedor. What Should I Expect?
Replies: 4
Views: 609

Re: About to Adopt an Ausiedor. What Should I Expect?

A high energy dog needs JOBS to do.

Take her to an APDT positive ONLY training place weekly for the next 10 years.

Seriously, I had a Border Collie mix, totally nuts without something to do. Best dog over with many jobs per day.
by skierrex
Thu May 16, 2019 9:12 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 76
Views: 8986

Re: We’ve won the game...but how do we stop playing?

How many sectors do you need before you are invested in the total market?
by skierrex
Thu May 16, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Bonds beyond Total Bond Market - Anyone ?
Replies: 47
Views: 4474

Re: Bonds beyond Total Bond Market - Anyone ?

I have BND, some CD's, a couple of things at Treasury Direct, and some random managed bond fund that's offered in my 401(k). I have not figured out BND, not sure if it is making me money or not. I do agree it it not correlated with the stock market. CD's are wonderful, you put your money in, you get...
by skierrex
Sun May 12, 2019 1:38 pm
Forum: Personal Consumer Issues
Topic: What computer to buy for snowbird
Replies: 37
Views: 3679

Re: What computer to buy for snowbird

https://www.costco.com/Lenovo-ThinkPad-X1-Carbon-Business-Laptop---Intel-Core-i7---1080p.product.100398789.html?langId=-1&krypto=6qL%2Fzmay5MhJQDDOArEU7Wy3zE35q30%2BFGQQ1TRJtKyvT2zFBXEv0WqYoX1pu0%2FfULGawGTOeHEM%2FRyOK9NgbtGda2CrU8oGcZjn9uD%2FqNTu7pVg8mSlGmex5pM%2BtqakoOQ5eA6%2B6Uvfpby1zBDnBzcP...
by skierrex
Thu May 09, 2019 11:39 pm
Forum: Personal Consumer Issues
Topic: Home Safe...Looking for advice
Replies: 19
Views: 2857

Re: Home Safe...Looking for advice

home safes are not very 'safe' for most things. If there is a fire, your safe turns in to a 600 degree oven. All your documents are toast. If it doesn't weigh a LOT, like 800 pounds, it's easy for teenagers to carry off. A small home safe is used for NOT getting shot with your own gun. Make them car...
by skierrex
Thu May 09, 2019 9:06 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4755

Re: Hedge against the decline of the Realtor profession

Being a Realtor was the old job.

Being a Landlord is the new job.

Buy them while you are in the business.
by skierrex
Thu May 02, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Retirement studies for different asset allocations
Replies: 8
Views: 1380

Re: Retirement studies for different asset allocations

Have you read the 31 part series on https://earlyretirementnow.com/start-here/ ?

Lots of good reading there!
by skierrex
Thu Apr 18, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: Electric smoker
Replies: 26
Views: 1484

Re: Electric smoker

I don't know if my Traeger is a true smoker, but I love the meats I cook on it! I just dial up the temperature I want, couldn't be easier.
by skierrex
Thu Apr 18, 2019 5:18 pm
Forum: Investing - Theory, News & General
Topic: In which companies do you own a single share, or token amount, of stock?
Replies: 119
Views: 10025

Re: In which companies do you own a single share, or token amount, of stock?

I have some United Technologies from when I used to work there. They gave me 100 shares when I graduated from college (that they paid for). They also gave me some through their profit sharing plan. It's gone way up since they gave it to me!
by skierrex
Tue Apr 16, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Considering an e bike or conversion kit
Replies: 20
Views: 1415

Re: Considering an e bike or conversion kit

I rode all the store-bought ones I could find, and none had quite enough power. Most of them are 350 or 500 watts. I found a guy who has done tons of conversions over the years in Boulder. Last year, I bought a 2012 Santa Cruz Nomad with a carbon fiber frame on Craigslist. By far the nicest bike I h...
by skierrex
Thu Apr 11, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: Buying a bed
Replies: 42
Views: 4353

Re: Buying a bed

5 years ago, I bought 2 memory foam mattresses, 1 for us, 1 for the guest room. 1 was high dollar, I think tempurpedic, my wife picked it out at the store. The other was a Sleep Innovations from Amazon for considerably less. After a few months, she made me switch them because she liked the cheap one...
by skierrex
Sun Mar 24, 2019 5:42 pm
Forum: Personal Investments
Topic: Help me understand deferred annuity
Replies: 5
Views: 832

Re: Help me understand deferred annuity

FiveK, it was deferred until 6 months ago. She has not taken any payments. I asked her to find out how much the payments would be if she started taking them now. Wiggums, no payments yet. It's basically been in limbo for the last 6 months. Inbox788, she bought it because she didn't want the money in...
by skierrex
Sat Mar 23, 2019 7:54 pm
Forum: Personal Investments
Topic: Help me understand deferred annuity
Replies: 5
Views: 832

Help me understand deferred annuity

My sister (78) has a single premium fixed deferred annuity. She purchased it 6 years ago, and says it is a 5 year annuity. Premium Payment: $70,000 Accumulation Value: $74,295 Cash Surrender Value: $70,900 Death Benefit Amount: $74,295 Effective Annual Yield Guaranteed 1.5% She has no need for the m...
by skierrex
Tue Mar 19, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Men's travel shoes. One pair for hiking/biking/walking/dining
Replies: 56
Views: 5399

Re: Men's travel shoes. One pair for hiking/biking/walking/dining

I wear leather Red Wing boots for everything. I oil them up and put shoe polish on when they need to look nice.
I use them for hiking, mountain biking, working, and the occasional formal occasion.
by skierrex
Thu Dec 27, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Nice jeans for work with lowest average cost of ownership
Replies: 107
Views: 8506

Re: Nice jeans for work with lowest average cost of ownership

Duluth Flex Fire Hose Foreman Pants are more comfortable than any jeans I've tried.

I WASH AND DRY mine every 2 or 3 days.

They wear longer than any jeans I've tried.

They also look better than jeans.

They go on sale for 30% off.
by skierrex
Thu Sep 27, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Reminder on Keeping an Emergency Fund
Replies: 27
Views: 3022

Re: Reminder on Keeping an Emergency Fund

Condolences on the loss of your cat.
by skierrex
Fri Sep 14, 2018 9:15 pm
Forum: Personal Investments
Topic: Dividend Riddle
Replies: 17
Views: 1843

Re: Dividend Riddle

what's the ticker symbol for the stock?
by skierrex
Fri Sep 14, 2018 8:40 pm
Forum: Personal Investments
Topic: Dividend Riddle
Replies: 17
Views: 1843

Re: Dividend Riddle

If the dividends on your stock were also paid quarterly, it would be 10,000/4 = 2,500. 2,500 / .04 = 62,500 shares.
I don't know if other companies pay dividends other than quarterly.
by skierrex
Fri Sep 14, 2018 8:33 pm
Forum: Personal Investments
Topic: Dividend Riddle
Replies: 17
Views: 1843

Re: Dividend Riddle

Let's say the stock is UTX. If you google 'UTX dividend', it shows $0.70 for each dividend this year, so far. They pay dividends quarterly. At the end of this year, they will report I got $660.80. I can divide that by 4 (for quarterly) to figure out that each dividend was $165.20. I divide the amoun...
by skierrex
Tue Sep 04, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 10641

Re: What will you do when you find you have more money than expected?

I'd invest in my health, in my case with a new pair of skis and a new bicycle!

Get me out of the house, get some fresh air and get my heart rate up.
by skierrex
Sun Sep 02, 2018 2:18 pm
Forum: Personal Investments
Topic: Aggressive asset allocation and market capitalization for someone with a pension
Replies: 15
Views: 1458

Re: Aggressive asset allocation and market capitalization for someone with a pension

I wouldn't put a lot of hope in a pension paying out in 30 years, with the possible exception of Harvard and Yale. Pension or not, at 32 I would be heavy in stocks. Why not do your plan (not terrible) with 50%, and do 90% S&P 500 and 10% BND with the other 50%? If one approach beats the other ov...
by skierrex
Sun Sep 02, 2018 1:56 pm
Forum: Personal Investments
Topic: Job woes and retirement - Should I adjust my allocation?
Replies: 20
Views: 2246

Re: Job woes and retirement - Should I adjust my allocation?

I would want to be at 50/50 with at least 10 years of expenses in bonds.

To avoid the ACA cliff, you need a good amount in Roth's or brokerage accounts. Or, have REALLY low expenses.
by skierrex
Wed Aug 29, 2018 8:44 pm
Forum: Personal Consumer Issues
Topic: Chipotle question
Replies: 73
Views: 5138

Re: Chipotle question

Personally, I think the bargain is to get NO RICE. Then it looks puny and they pile on the rest!
by skierrex
Wed Aug 29, 2018 7:15 pm
Forum: Personal Investments
Topic: Need your advice , please
Replies: 12
Views: 1704

Re: Need your advice , please

I agree with the previous posters that your asset allocation (AA) might be too aggressive. You probably need to consider wealth preservation as well as growth. In your shoes, I would probably be between 50/50 and 60/40 AA, but this is a personal decision. Since your accounts are in taxable and your ...
by skierrex
Tue Aug 28, 2018 8:18 pm
Forum: Personal Investments
Topic: Thoughts on paying off debt vs investing
Replies: 32
Views: 2839

Re: Thoughts on paying off debt vs investing

I take the opposite view. It takes time for money to double. You only get so many 'doubling' periods in your lifetime. You need to start now. I'd pay the minimum on every debt for the next few years and put everything into a 90/10 or so asset allocation. When you get your investments up to a 'good n...
by skierrex
Tue Aug 28, 2018 7:49 pm
Forum: Personal Investments
Topic: Need your advice , please
Replies: 12
Views: 1704

Re: Need your advice , please

Hi Sarah, Welcome to Bogleheads, and I'm very sorry hear about your health. Reading between the lines, I'm guessing you're single? You say you are already retired, correct? Receiving Social Security Disability? How much per month? Paying $500 per month in mortgage? How long does your disability pens...
by skierrex
Sun Aug 26, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 7661

Re: Best ultra thin pocket knife?

I carry the Gerber Exchange-A-Blade.

It's tiny and uses utility knife blades.

I bought a huge pack of blades, change them in 30 seconds when they get dull or disgusting.

And, I never have to sharpen it!
by skierrex
Sun Aug 26, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Honda Odyssey Ex-L - new or certified used?
Replies: 35
Views: 3234

Re: Honda Odyssey Ex-L - new or certified used?

Honda's hold their value well.

I always buy new.

The Sienna is very nice also.

I have the odyssey ex-l 2014, my daughter has a Sienna.
by skierrex
Sat Aug 25, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Home insurance - high impact shingles
Replies: 4
Views: 729

Re: Home insurance - high impact shingles

I'm in the same situation, so I'm curious what you found out.

Any updates?
by skierrex
Thu Aug 16, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: What to do in Seattle around Christmas?
Replies: 29
Views: 1765

Re: What to do in Seattle around Christmas?

I would spend most of the week in the Olympic National Park, one of the most spectacular places in the country. There is a place to stay on the coast, coming from the south. I didn't stay there, but I wish I had. I thought it was in the park, but I can't find it on the map. I did walk down to most o...
by skierrex
Sun Jul 15, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Perpetual Withdrawal Rate
Replies: 29
Views: 7085

Re: Perpetual Withdrawal Rate

I would start with Firecalc.com. Use the 'start here' and the 'your portfolio' tabs. On the 'your portfolio' tab, it says: "Percentage of your portfolio that is in equities, versus fixed income? Research seems to suggest about 50% for a 10 year term, almost 70% for a 20 year term, and around 85...
by skierrex
Thu Jun 14, 2018 9:01 pm
Forum: Personal Investments
Topic: Late to the party, looking for some advice
Replies: 18
Views: 2763

Re: Late to the party, looking for some advice

Jim, I view bonds as protection for my portfolio. You have no portfolio to protect. You don't need any bonds. You also can't afford the low return from bonds with a shorter time frame. The S&P 500 fund has great diversification and very low fees. I would invest 100% in the S&P 100 fund until...
by skierrex
Thu Jun 14, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Hearing aids
Replies: 29
Views: 4694

Re: Hearing aids

I have researched this previously.
My next pair will come from Costco.
by skierrex
Sat Apr 21, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Visiting Chicago - Foodie suggestions?
Replies: 28
Views: 2760

Re: Visiting Chicago - Foodie suggestions?

I had some delicious Red Velvet French Toast for breakfast at Yolk https://www.eatyolk.com/ .
by skierrex
Sat Feb 10, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: A glidepath formula
Replies: 15
Views: 3344

Re: A glidepath formula

Anon,

You crack me up!

I'm going with a step function.

< 25X annual expenses, 100/0

> 25X annual expenses, 50/50

It's slightly simpler, probably similarly effective.

Yours is a super-nice curve, though!