Search found 87 matches

by Bronko
Wed May 20, 2020 3:45 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6406

Re: Discarding Music CDs

jeep5ter wrote:
Tue May 19, 2020 11:11 am
If you plan to get rid of the CDs, you should rip them into .wav files or flac files first. Those formats preserve all of the data, where mp3 files sacrifice some quality in return for smaller file size.
Good intel.
by Bronko
Tue May 12, 2020 8:34 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Refi / worth it so soon?
Replies: 8
Views: 1544

Re: 2.5% Refi / worth it so soon?

I would add a question. Is anyone having difficulty with refi’s right now due to covid? I’ve heard it has slowed the process to a crawl.
by Bronko
Mon May 11, 2020 10:12 am
Forum: Personal Finance (Not Investing)
Topic: 2.5% Refi / worth it so soon?
Replies: 8
Views: 1544

Re: 2.5% Refi / worth it so soon?

Can you please either post or PM me the contact info for your lender/loan originator person (e-mail if possible)? That rate is amazing. I am at 3.25% on a VA loan and I need to hit at least 2.75% to get the IRRL funding fee because the other funding fees are really high. Edit: you said no closing c...
by Bronko
Sun May 10, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Refi / worth it so soon?
Replies: 8
Views: 1544

Re: 2.5% Refi / worth it so soon?

Thanks. Bump.
by Bronko
Sun May 10, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Regret Concept 2 Model D purchase
Replies: 24
Views: 2583

Re: Regret Concept 2 Model D purchase

I've had mine for 10 years. Moved 4 times. It's a solid work horse and I would say it's the best overall workout. No joint issues pounding pavement, covers full range of muscles, and will leave you in a pile of sweat when you go for it.
by Bronko
Sun May 10, 2020 5:50 pm
Forum: Personal Consumer Issues
Topic: BJJ -martial art
Replies: 58
Views: 3001

Re: BJJ -martial art

I'm 51 and I roll 3-4 times a week. Started 25 years ago and been on and off with moves, life, kids, injuries, and life in general. Yes you can do it. The fact you have interest is awesome. I am obviously one of the old guys on the mat. I am clear that I'm not there to go all out, I favor one knee d...
by Bronko
Sun May 10, 2020 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Refi / worth it so soon?
Replies: 8
Views: 1544

2.5% Refi / worth it so soon?

I refinanced my 30 year home loan last July to 3.25%. I just received an offer from American Financial Network for a 2.5% VA IRRL with no costs up front. IRRL is an interest rate reduction loan with no appraisal due to the fact I have a VA loan from military service. Normally I figure one point or m...
by Bronko
Mon May 04, 2020 11:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628920

Re: U.S. stocks in free fall

The problem is: We don't know and I do not want to miss the boat when it leaves towards SP500 3'500... :annoyed I'm afraid that boat is docked right alongside the cruise ships and that neither will be heading out to sea any time soon. I agree Will. Also you're last post concerning charting of dead ...
by Bronko
Thu Apr 23, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: Ridiculous HVAC Duct cleaning quote
Replies: 51
Views: 4707

Ridiculous HVAC Duct cleaning quote

I had a local company come and service my HVAC units for a $69 special on a neighbors referral. The company rep was professional and seemed to do a good job, then came the sell. He shows me a couple of pictures on his iPad of my duct work and blower motor. He says the ducts are filled with a lot of ...
by Bronko
Mon Mar 23, 2020 9:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18803
Views: 2628920

Re: U.S. stocks in free fall

Futures are hemorrhaging again. Down another 4% right now. It's hard for me to understand how many still believe that returns are completely random. You in cash? No offense, but after all the attacks I received from many in my trend following thread, I've decided to no longer discuss my own investm...
by Bronko
Wed Feb 26, 2020 2:49 pm
Forum: Personal Investments
Topic: TSP G Fund and 2050 Target Fund Allocation Question
Replies: 12
Views: 1090

Re: TSP G Fund and 2050 Target Fund Allocation Question

Personally, I don't like the L funds because they invest too heavily in the I fund for my liking. I do like having them to look at for comparison, but then invest in the C and S funds. I'm 80% C and 20%S and retiring next year. I have been seriously considering 20-30% F or G fund before retiring. I...
by Bronko
Mon Feb 24, 2020 3:21 pm
Forum: Personal Consumer Issues
Topic: Beard trimmers - down to stubble
Replies: 12
Views: 1442

Re: Beard trimmers - down to stubble

I use a rechargeable Philips Norelco with 10 length settings in 1mm increments. Lowest setting is = day-old stubble. Has a little vacuum system that traps about 95% of the hair so clean-up is trivial. It's about 7 years old now, still works like new other than where the charging cord plugs in is ge...
by Bronko
Tue Feb 11, 2020 6:23 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10345

Re: Retirement: Filling the time?

Find a local Brazilian Jiu Jitsu class. Don't think you're too old or heavy. We have several people where I train that have dropped 75-100 pounds. At least a third of the class is 40 plus. I've met some great people there. It's hard to be depressed when your mind and body are sweating and working o...
by Bronko
Tue Feb 11, 2020 4:57 pm
Forum: Personal Consumer Issues
Topic: Retirement: Filling the time?
Replies: 96
Views: 10345

Re: Retirement: Filling the time?

Find a local Brazilian Jiu Jitsu class. Don't think you're too old or heavy. We have several people where I train that have dropped 75-100 pounds. At least a third of the class is 40 plus. I've met some great people there. It's hard to be depressed when your mind and body are sweating and working on...
by Bronko
Mon Feb 10, 2020 5:36 pm
Forum: Investing - Theory, News & General
Topic: Hedonic Clock
Replies: 94
Views: 8114

Re: Hedonic Clock

For the OP, our planned retirement is age 50/52. Young enough to do just about of the current activities we partake in during weekends and vacations. Also being able to fully devote our time to those things, should actually get us in better shape for certain specific activities vs now, when we are ...
by Bronko
Tue Jan 28, 2020 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: able to retire?
Replies: 8
Views: 847

Re: able to retire?

Well the only question is in the header so I'll just say.........

Yes.

Well done. Enjoy life.
by Bronko
Fri Jan 24, 2020 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.
Replies: 23
Views: 4520

Re: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.

Is there anyone else who would like to share their retirement experiences? Has anyone here retired but still have kids in the house? How is that going? How do yo teach a child the benefits of hard work when you don't have a job? I'll let you know in a couple of years :wink: A quote I kept in mind f...
by Bronko
Wed Jan 22, 2020 11:11 am
Forum: Personal Investments
Topic: TSP G or F fund for money not needed for 8-16 years?
Replies: 29
Views: 1893

Re: TSP G or F fund for money not needed for 8-16 years?

Consider one of the lifestyle conservative options.
by Bronko
Wed Jan 22, 2020 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.
Replies: 23
Views: 4520

Re: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.

EnjoyIt - I agree to some extent but this bull has been running over 10 years. What happens if there is another 10 years, or more, run? How much frustration do you really want in your daily life? I can see staying in the workplace if you’re 30 but a totally different story if you’re 70, right? Run ...
by Bronko
Tue Jan 21, 2020 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.
Replies: 23
Views: 4520

Re: Q/A for early retirees who retired before 50 and have been retired for at least 5 years.

Tag. Anyone live overseas part time after FIRE? Costs/benefits? Me. I live on a sailboat in the Caribbean 6 to 10 months every year. Cost benefits? A little more expensive for day-to-day items (food, staples) but less expensive, by far, on healthcare related expenses. I retired at 45 five years ago...
by Bronko
Thu Jan 16, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you plan to actually spend down your portfolio?
Replies: 353
Views: 29601

Re: Do you plan to actually spend down your portfolio?

brad.clarkston wrote:
Sun Jan 12, 2020 5:04 pm
I tell the wife if she doesn't kill me before I retire I'm drawing down for beer & hookers ... I doubt I make it that far ;)

But in reality at 20 years out I have no clue.
Once you draw it down in your method you can just waste the rest.
by Bronko
Tue Jan 14, 2020 3:32 pm
Forum: Personal Investments
Topic: Best Thrift Savings Plan (TSP) book or resource?
Replies: 14
Views: 1097

Re: Best Thrift Savings Plan (TSP) book or resource?

Fedtalk and Fedmanager both have good articles and discussions online.

Ann Vanderslice does retirement planning and has a good email blog.

Google TSP on Bogleheads and find much good information.

FERS guide online download is also loaded with excellent information.
by Bronko
Fri Jan 10, 2020 3:56 pm
Forum: Personal Consumer Issues
Topic: Kauai in July questions, condo, hotel, etc
Replies: 8
Views: 1099

Kauai in July vacation rentals

Bump for responses....
by Bronko
Thu Dec 26, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: Kauai in July questions, condo, hotel, etc
Replies: 8
Views: 1099

Kauai in July questions, condo, hotel, etc

We will be traveling to Kauai in July with two children (10 and 6) staying in Poipu for 4 nights. I will be booking an additional 6 nights elsewhere as the first four are on a discount package. I have been to Kauai several times and have always stayed in Poipu. While looking at online rentals I've n...
by Bronko
Thu Dec 26, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9106

Re: Goodbye USAA

I've used USAA for banking going on 20 years now. They have never been able to beat Ameriprise insurance through Costco. Suprisingly far off in rates actually.
by Bronko
Mon Dec 23, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: How to Protect Your Most Important Asset
Replies: 45
Views: 6699

Re: How to Protect Your Most Important Asset

Practice gratitude

Smile

Eat healthy and try intermittent fasting

Strength train

Sleep more

Relentlessly eliminate stressful people from your life
by Bronko
Mon Dec 23, 2019 2:37 pm
Forum: Personal Investments
Topic: Do I need to invest in bonds if I have a pension?
Replies: 48
Views: 4180

Re: Do I need to invest in bonds if I have a pension?

I'm 100% stocks and will have a FERS pension. The federal pension is actually fully funded unlike other state and municipal pension funds. We pay a large amount into the pension every two weeks along with the government contribution. Of course I always plan for the worst but many people overly cauti...
by Bronko
Fri Nov 01, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: "One year into retirement!"
Replies: 4
Views: 1790

Re: "One year into retirement!"

Good share. Some characters over there!
by Bronko
Thu Oct 31, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Timeshare offer experience
Replies: 103
Views: 11640

Re: Timeshare offer experience

For what it's worth I've done 3 of these packages with Marriott and I have another coming in a few months. Always the 5 day stay, rental car, resort credit etc. Calculated over the cost of the normal resort rooms it's a great savings. They do have a calendar you need to work around for stays, or you...
by Bronko
Mon Oct 28, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Where can I have photos scanned?
Replies: 22
Views: 11846

Re: Where can I have photos scanned?

I'm looking to have a bunch of photos scanned. Does Costco do this? I know they have some good options for converting video to DVD and photo options. Where is the best place for this and how much does it cost? How high of quality to you want them to be? You can do it for free using your iPhone and ...
by Bronko
Sun Oct 27, 2019 1:48 pm
Forum: Personal Consumer Issues
Topic: Should we downshift and move to Europe?
Replies: 40
Views: 5559

Re: Should we downshift and move to Europe?

It made a tremendous difference in our home life, and raising our .... Living and working overseas did this for our family ^^^^ Everyone thought we were nuts ("Expose your kids to THAT!!!!") yup, + No USA schools :) (GREAT!!!! we homeschooled / unschooled and traveled most of the time) Returned to ...
by Bronko
Fri Oct 25, 2019 10:14 am
Forum: Personal Investments
Topic: Helpful considerations for mom with nest egg investment
Replies: 12
Views: 1016

Re: Helpful considerations for mom with nest egg investment

She is a very smart lady I believe she is smart too, which is why I don't understand the line of thinking that assumes there are only two investment companies in existence: WF or EJ. By believing there are these only two and no others, she eliminates the possibilities of anything better. She limits...
by Bronko
Fri Oct 25, 2019 10:13 am
Forum: Personal Investments
Topic: Helpful considerations for mom with nest egg investment
Replies: 12
Views: 1016

Re: Helpful considerations for mom with nest egg investment

Thanks to all so far. I'm planning to compile these suggestions in a document and have her read them so she can mull it over. It's so easy to be taken in by advisors who act like they add value in tax suggestions etc.
by Bronko
Thu Oct 24, 2019 5:53 pm
Forum: Personal Investments
Topic: Helpful considerations for mom with nest egg investment
Replies: 12
Views: 1016

Helpful considerations for mom with nest egg investment

Bogleheads, I'm looking for assistance from the group. My mother is moving all of her nest egg from Wells Fargo to Edward Jones. She is 74 with a federal pension. Federal health care benefits and medicare are in place. Long term health care is also covered. No debt and very frugal with spending. She...
by Bronko
Tue Oct 22, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6585

Re: Can you claim financial independence with kids still in school

Working a few more years is likely 6 figures. What in earth could you think you should provide to an independent child that has that magnitude of cost? There are plenty of thing that could be expensive. Depending on how tight the FI budget is, they could easily derail plans. - education expenses - ...
by Bronko
Tue Oct 22, 2019 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Can you claim financial independence with kids still in school
Replies: 80
Views: 6585

Re: Can you claim financial independence with kids still in school

Yes, yes, YES... 1000 x yes... (FIRE ASAP!) My idea... Not shared by many :mrgreen: (I am the opposite of a conformist... ask my parents, teachers, bosses, spouse, friends, kids...) :wink: 1) Retire while your kids are home, go back to work (if you must) when they leave home! 2) Start a few family ...
by Bronko
Fri Oct 18, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: selling house, should we put in sod to replace ugly lawn?
Replies: 45
Views: 4112

Re: selling house, should we put in sod to replace ugly lawn?

Yes. First impressions and photo's are a large impact.
by Bronko
Fri Oct 18, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: TSP video breakdown of changes
Replies: 1
Views: 482

TSP video breakdown of changes

TSP did a presentation of the changes coming online. This link shows the video of the presentation and has the slide show as well. Hopefully this is actionable for the many people wondering how the new options will effect withdrawals and more. https://www.sec.gov/news/upcoming-events/your-tsp-accoun...
by Bronko
Wed Sep 25, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10442

Re: Physical activity suggestions for a non athletic youth

There is a world of variation in “martial arts”, ranging from horrible to mediocre at best to very good. Try to find an authentic, traditional teacher. That’s what made me catch the bug anyway. I’ve lost significant weight and even more fat. With just a good Kung Fu school, you don’t need any other...
by Bronko
Mon Sep 23, 2019 4:34 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 10442

Re: Physical activity suggestions for a non athletic youth

Solid answers already. Obviously diet and movement. Part of it is just growing and hormones. I'd strongly recommend a book series called "The Warrior Kid" by Jocko Willink. 3 books so far about a kid without direction who's military uncle comes into his life and gives him direction in all aspects. V...
by Bronko
Mon Sep 23, 2019 1:43 pm
Forum: Personal Investments
Topic: TSP in retirement
Replies: 31
Views: 3001

Re: TSP in retirement

If you're confused by the alternatives, the easiest thing to do is what the TSP has set up just for people like you, the L Income fund. It's 20% stocks now, and 75% in the G fund, so it's about the safest fund out there. At the same time, it's planning to slowly grow its stock allocation to 30% by ...
by Bronko
Tue Sep 17, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 5037

Re: Seasoned retirees...

Retired at 55, 20 years ago. Lessons to pass on: Life is not infinitely long, especially healthy life. Satisfy your cravings, for travel or whatever, while you have youthful health. It's much easier to make friends when you have school age children. Extremely difficult after retirement. I have seen...
by Bronko
Mon Sep 09, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 4111

Re: Lending to friend to India

You want to consider this little thing called the Patriot Act and the subsequent issues regarding banking and overseas money transfers. I'm not saying it can't be done. Expect headaches and hassles you haven't even dreamed of. Well, I doubt that the poster will be suspected of supporting you-know-w...
by Bronko
Mon Sep 09, 2019 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Lending to friend to India
Replies: 54
Views: 4111

Re: Lending to friend to India

You want to consider this little thing called the Patriot Act and the subsequent issues regarding banking and overseas money transfers. I'm not saying it can't be done. Expect headaches and hassles you haven't even dreamed of.
by Bronko
Mon Sep 09, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Fers ss supplement, Leo question
Replies: 23
Views: 1393

Re: Fers ss supplement, Leo question

I'd highly recommend you get Dan Jamison's FERS guide. He sells a great product. Retired FBI CPA and very knowledgeable. It'll be the best $15 you spend. Also check with your HR department for HRNavigator. They produce a great report broken down to the dollar for after tax payouts. You can include h...
by Bronko
Fri Sep 06, 2019 3:25 pm
Forum: Personal Consumer Issues
Topic: A bike tour from Bolzano to Vienna (Link to Journal provided)
Replies: 21
Views: 2116

Re: A bike tour from Bolzano to Vienna (3rd and final report added)

I consider this a solid actionable post. My action will be to leave my dark office this warm Friday afternoon and go ride my bike in the sun. Thanks for sharing!
by Bronko
Thu Sep 05, 2019 3:44 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 5427

Re: How do you let go of decisions that turned out to be the wrong ones?

I used to visit a great cigar bar where the owner left a stack of 3X5 index cards and a sharpie in the mens room. The walls were cork board. He encouraged patrons to write advice, wisdom, jokes, and poems then stick them up. The owner would occasionally pull many down to make room and change the pac...
by Bronko
Thu Sep 05, 2019 11:35 am
Forum: Personal Consumer Issues
Topic: Entertaining house guests
Replies: 37
Views: 3313

Re: Entertaining house guests

Check the local city, state, and federal park and recreation websites. There are some amazing and free things to do all around the country.
by Bronko
Wed Sep 04, 2019 2:28 pm
Forum: Personal Investments
Topic: Any 1811 on this forum???
Replies: 11
Views: 1648

Re: Any 1811 on this forum???

Trapper wrote:
Wed Sep 04, 2019 8:37 am
Get and read Dan Jamison’s guide on his website. He is a retired Bureau agent and CPA.
His information was accurate and very helpful.
+1
Jamison does and outstanding job. Read it and post the questions.