Search found 105 matches

by GlennK
Sat Oct 17, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: Pumpkin Carving Tools
Replies: 11
Views: 867

Re: Pumpkin Carving Tools

Bogle7 wrote: Sun Oct 11, 2020 1:12 pm

Also bought a Pumpkin Masters kit years ago. Works well.
https://www.amazon.com/Pumpkin-Masters- ... 00N42CYLO/
Back when I carved pumpkins, I bought something similar. Not sure if it was the same brand, but it had the same tools. Made the finer details easy to accomplish.
by GlennK
Thu Oct 08, 2020 6:36 am
Forum: Personal Consumer Issues
Topic: Any experience with a heat pump?
Replies: 47
Views: 2559

Re: Any experience with a heat pump?

The coldest winter I ever spent was a winter with a heat pump in NE Ohio. This was 30+ years ago so maybe heat pumps are better. But my first house was in the all electric parade of homes when it was built (I bought it about 12 years after built). It had a heat pump and backup electric furnace. My w...
by GlennK
Thu Oct 01, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: Best way to continually get SiriusXM Radio discount
Replies: 24
Views: 2442

Re: Best way to continually get SiriusXM Radio discount

I was tired of playing that game every year so I just ended up cancelling. I plug my phone in every time I drive now anyhow and listen to podcasts or iHeartRadio instead of satellite. Or local sports and talk radio if I want to listen to the radio.
by GlennK
Wed Sep 30, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 226
Views: 17365

Re: Gardening 2020

Not sure what happened to my tomato plants, but leaves started turning brown/dying early. The dying continued up the plants. Because of this. all the tomatoes fell off before becoming fully ripe. Still canned over 24 quarts but not as tasty as previous years. The rot did not affect the Roma plants a...
by GlennK
Tue Sep 29, 2020 12:18 pm
Forum: Investing - Theory, News & General
Topic: Morgan Housel is our latest "Bogleheads on Investing" podcast guest
Replies: 24
Views: 2553

Re: Writer Morgan Housel will be our next "Bogleheads on Investing" podcast guest

I'm looking forward to listening during my morning walk. I just started listening to podcasts and have been enjoying the bogleheads podcasts.
by GlennK
Wed Sep 23, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: Smoker next door
Replies: 79
Views: 4451

Re: Smoker next door

A few years ago, a couple successfully sued the owners of the house next door (and I am talking about detached) because of their smoking. The judge ruled the smokers must make accommodations to avoid bothering the neighbors. I believe this was in California. I have no idea what the end result of thi...
by GlennK
Thu Sep 17, 2020 11:27 am
Forum: Personal Consumer Issues
Topic: Chase Freedom to Freedom Unlimited on Credit history
Replies: 33
Views: 1620

Re: Chase Freedom to Freedom Unlimited on Credit history

I don't think they are discontinuing the Freedom card. No new applicants, but those of you that have it can continue. You can also contact Chase and ask to upgrade to one of the two new Freedom cards. According to Nerdwallet, "Chase will continue to report your credit history and age of credit shoul...
by GlennK
Wed Sep 16, 2020 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: what is your side job and income?
Replies: 87
Views: 10697

Re: what is your side job and income?

Been thinking about becoming an adjunct for years. You people made me take the leap. All this time I thought adjuncts were an oppressed group. Turns out they are doing quite well. I would definitely look around your area before changing your mind. I've been teaching freshman level Math at a local u...
by GlennK
Wed Sep 16, 2020 10:42 am
Forum: Personal Consumer Issues
Topic: when you say 'rent forever'
Replies: 28
Views: 4112

Re: when you say 'rent forever'

When I was just starting my career after college, all the apartments I looked at required a one year lease which then went to month to month. The one I chose did not raise the rates until about 17 or 18 months after I first rented, and then not again for another 1.5 years. I bought my first house sh...
by GlennK
Tue Sep 15, 2020 11:16 am
Forum: Personal Finance (Not Investing)
Topic: What is the best company for auto/property/renters/umbrella insurance?
Replies: 36
Views: 3148

Re: What is the best company for auto/property/renters/umbrella insurance?

Erie Insurance if they are available in your area. When my mini-van burned up on vacation (literally burned up - still not sure what started it), they went above and beyond to get us home. Allowed me to rent a SUV for the drive home, paid to ship the extra supplies we could not fit in the SUV, and a...
by GlennK
Tue Sep 15, 2020 10:59 am
Forum: Personal Consumer Issues
Topic: Retirement home Job opportunity for teenager / pros cons
Replies: 18
Views: 942

Re: Retirement home Job opportunity for teenager / pros cons

I'd say go for it. But this is coming from a guy who plays tennis (group drills, doubles, singles) 4-5 times a week. So I have not been overly cautious like a lot of people.

Good to get the teen some work experience while able.
by GlennK
Fri Sep 11, 2020 1:36 pm
Forum: Investing - Theory, News & General
Topic: Questions to ask a prospective financial advisor
Replies: 112
Views: 4990

Re: Questions to ask a prospective financial advisor

Tell him to ask the advisor to pick an index (or a fund that mimics your friends asset allocation), and allow your friend to pay him 10% of whatever he beats the index by. Even on down years, if the advisor beats the index, your friend still pays. But if the advisor does not beat the index, he gets ...
by GlennK
Sun Sep 06, 2020 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: Can anyone suggest a joint checking account?
Replies: 58
Views: 2905

Re: Can anyone suggest a joint checking account?

I have a checking account at Capital One. It's convenient when I have to write a large check and transfer the money from their high rate savings account. Of course, they no longer try to keep the highest interest rate for their savings but I still maintain a balance there.
by GlennK
Sun Sep 06, 2020 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Rice & Beans [limiting food expenses]
Replies: 96
Views: 14106

Re: Rice & Beans [limiting food expenses]

Tofu is pretty cheap. Lot of protein their. Yams, potato, + frozen veggies+ fruits are cheaper. They have mostly the same nutrients in them as fresh. Use a Brita picher for my tape water. Filters it out. Best wishes. Where do you get Tofu at? When I was in China for 5 weeks last year, the best meal...
by GlennK
Sun Sep 06, 2020 8:06 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance
Replies: 36
Views: 2307

Re: Dental Insurance

I had a dentist that called himself a pain free dentist. Would offer nitrous oxide, put head phones on you, other amenities. Unfortunately, he charged more than what the insurance would state is allowed and would bill for the difference. I obviously learned quickly that he wasn't for me. Our dentist...
by GlennK
Wed Sep 02, 2020 6:41 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7448

Re: Cardio alternatives to treadmills?

At my gym, they have two arc trainers next to the elliptical machines. I have done both and find the workout on the arc trainer to be more intense. Both give you great cardio workouts, especially if you change the level and inclines, but the arc trainer adds height to the pedals so it requires a lit...
by GlennK
Fri Aug 28, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13690

Re: Thoughts on Tennessee

I forgot to mention this. If you are looking for over 55 communities, Tellico Village and Rarity Bay in eastern Tennessee both look beautiful. I did visit Tellico Village and it is on my short list. I did not get a chance to see Rarity Bay but it looks a little too exclusive for me. Tellico Village ...
by GlennK
Wed Aug 26, 2020 11:43 am
Forum: Investing - Theory, News & General
Topic: "Turning 401(k) Plans into Lifetime Investments"
Replies: 47
Views: 4459

Re: "Turning 401(k) Plans into Lifetime Investments"

From the article, it states "But if retirees do forgo the annuity, they will have difficulty matching its payout, even if they start at age 67. Annuities have their disadvantages, but they do yield more than most investment alternatives." Is this true? What other investment alternatives are they com...
by GlennK
Tue Aug 25, 2020 7:40 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13690

Re: Thoughts on Tennessee

I've been going to the Fairfield Glade area for decades on and off. It's a very retirement oriented community, and very golf centric. So if you like golf, a decent choice. If not.... the area is very pretty, and very affordable.... also pretty dull in many ways. I don't think it would be an area I'...
by GlennK
Thu Aug 20, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 5092

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

anonsdca wrote: Mon Aug 17, 2020 11:57 pm
Tracker968 wrote: Mon Aug 17, 2020 2:48 pm If you join now you also get a free trunk organizer!
Mine just arrived, I like it, it nice. I saw the Marcus 1.1% deal also. I have a 2.5% CD coming due in a few months. We will see at that time.
How do you get this offer? I do not see it on their sign up page.
by GlennK
Wed Aug 19, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4419

Re: Move to NE Ohio?

I live in NE Ohio, about 60 miles south of Cleveland. The further you get from Cleveland, the lower the cost of living. Akron is lower than Cleveland, and Canton is even less. Canton does have one ice rink, although I am not sure if they have an old man's hockey league. One of the guys I played tenn...
by GlennK
Mon Aug 17, 2020 8:04 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 257
Views: 33420

Re: Roll Call for the Retirement Class of 2020!

I had previously posted in the 2021 class because that was my plan. However, my company has decided that many of us with over 30 years need to retire this year. I was told that 10/31/2020 will be my last day of employment. However, 30 weeks of severance pay and 1 year of subsidized health care makes...
by GlennK
Fri Aug 07, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: your retirement vs. your parents
Replies: 20
Views: 2084

Re: Retirees: your retirement vs. your parents

My mother passed away one year ago at the age of 83 and my father is still living at 87. He is still in the home they raised their 5 children. My father worked in the steel mill until they forced him to retire around the age of 52 when he then went to work at hardware stores. My mother was a bank te...
by GlennK
Wed Aug 05, 2020 12:10 pm
Forum: Personal Consumer Issues
Topic: Oddly Difficult to Find Items During the Pandemic
Replies: 278
Views: 24771

Re: Oddly Difficult to Find Items During the Pandemic

Large container of taco seasoning. https://www.mccormick.com/recipes/other/homemade-taco-seasoning?utm_source=GoogleAds&utm_medium=SEM&utm_campaign=SEM_MC_BRD_MUL_AlwaysOn_US-EN_GOOG_SEM_NB_REC_EXAC_NonAudience_ALL_N/A_e_g_c_436686992561_how%20to%20make%20your%20own%20taco%20seasoning_p54447494878&...
by GlennK
Fri Jul 31, 2020 8:25 pm
Forum: Personal Investments
Topic: Retirement moved up 1 year
Replies: 11
Views: 1602

Re: Retirement moved up 1 year

Thanks again for all the input. These have given me quite a bit to ponder. I will try to answer all the questions. First off, my company quit offering salary retiree health care 3 years ago. They are subsidizing my health care for one year (I pay monthly what I do as an active associate in my first ...
by GlennK
Fri Jul 31, 2020 2:05 pm
Forum: Personal Investments
Topic: Retirement moved up 1 year
Replies: 11
Views: 1602

Re: Retirement moved up 1 year

Currently widowed and no active plans to change that. Good point on the IRA conversion. I am definitely doing that next year as the company is subsidizing my health care for one year. But I was hoping to use the ACA subsidy in 2022 so I cannot have large "income" that year. Finally, I do not have to...
by GlennK
Fri Jul 31, 2020 1:11 pm
Forum: Personal Investments
Topic: Retirement moved up 1 year
Replies: 11
Views: 1602

Retirement moved up 1 year

The megacorp I work for is forcing me to retire this year instead of my planned retirement in 2021. They are offering a severance package that includes accruing years of service for up to two years if I hold off filing for my pension (annuity or lump sum). I'd like on advice on whether to hold off f...
by GlennK
Tue Jul 21, 2020 10:51 am
Forum: Investing - Theory, News & General
Topic: Retirees, share your epiphanies..
Replies: 126
Views: 15294

Re: Retirees, share your epiphanies..

Keenobserver wrote: Fri Jul 17, 2020 1:28 pm Does anyone here regrett not having kids, or not havijg enoguh kids ?
Yes. Stopping at two was selfish of me at the time. I see my brother and sister in law with their four kids and how their house is full at the holidays.
by GlennK
Tue Jul 21, 2020 9:50 am
Forum: Personal Consumer Issues
Topic: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car
Replies: 101
Views: 5191

Re: 24 Hour Drive Time w/ Two Young Kids: What Kind of Car

When my kids were that age, we were driving between North Carolina and NE Ohio quite often. I owned a mini-van. At that time, it was a Dodge and I could move the full bench up to the middle row. I used the entire back (i.e. no third row seating on these trips) for transporting our goods on vacation ...
by GlennK
Tue Jul 21, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 50
Views: 6456

Re: Buying Prescription Eyeglasses Online

I am pretty sure it was a cm difference. But perhaps it was on 1 MM and it might not matter as much as I thought.
by GlennK
Tue Jul 21, 2020 9:22 am
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 50
Views: 6456

Re: Buying Prescription Eyeglasses Online

How do you guys get the measurement for the pupil distance that they ask for when ordering online? I had gotten my prescription from the eye exam, but had no way to know my pupil distance. Is that something you need to ask the optometrist? I held a millimetre ruler between my eyes and by looking in...
by GlennK
Mon Jul 20, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Buying Prescription Eyeglasses Online
Replies: 50
Views: 6456

Re: Buying Prescription Eyeglasses Online

How do you guys get the measurement for the pupil distance that they ask for when ordering online? I had gotten my prescription from the eye exam, but had no way to know my pupil distance. Is that something you need to ask the optometrist?
by GlennK
Mon Jul 13, 2020 5:49 pm
Forum: Personal Investments
Topic: Portfolio questions (and others)
Replies: 10
Views: 977

Re: Portfolio questions (and others)

I think keeping the cash makes sense right now with a short time frame to help protect against Sequence of Return Risk, especially in these volatile times. That's gives you a nice soft and long runway. I have you at 30x+ (not including pension), so should be safe for retirement at 60. I agree with ...
by GlennK
Mon Jul 13, 2020 7:12 am
Forum: Personal Investments
Topic: Portfolio questions (and others)
Replies: 10
Views: 977

Re: Portfolio questions (and others)

You show no non-Roth IRAs in your portfolio (the inherited IRA doesn't count) so you can contribute to the Roth IRA using the Backdoor Roth method. I was not aware that inherited IRAs did not count. Just to be clear, if you inherit from a non-spouse or from a spouse but don't retitle it in your own...
by GlennK
Fri Jul 10, 2020 8:41 pm
Forum: Personal Investments
Topic: Portfolio questions (and others)
Replies: 10
Views: 977

Re: Portfolio questions (and others)

I did not know where to get the ticker symbol for some investments if they were not listed in my plans. Many large employer retirement plans use Collective Investment Trusts (CITs) which are not exactly mutual funds and do not have ticker symbols. Thanks. I figured it was something like that. Taxab...
by GlennK
Fri Jul 10, 2020 5:03 pm
Forum: Personal Investments
Topic: Portfolio questions (and others)
Replies: 10
Views: 977

Portfolio questions (and others)

I did not know where to get the ticker symbol for some investments if they were not listed in my plans. If someone can direct me, I will update the below. Thanks. Emergency funds: Yes. Way too much in high yield savings accounts and CD’s. Total: $180,000 Yearly expenses approximately $50,000. Cash i...
by GlennK
Tue Jul 07, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: Retiring to FLA, villa home vs. MH? cost comparison
Replies: 18
Views: 1551

Re: Retiring to FLA, villa home vs. MH? cost comparison

I've lived in NE Ohio most of my life with the exception of 3 years in North Carolina. I also spent a summer in Florida. My goal is to return to NC or Tennessee for retirement. Florida was way too hot for me. And even with the draw of Paradise Lakes (not really a draw for me :) ), the furthest south...
by GlennK
Wed Jul 01, 2020 11:10 am
Forum: Personal Investments
Topic: Marcus savings account
Replies: 7
Views: 892

Re: Marcus savings account

You should of course practice good cybersecurity/online hygiene, but these are not any different than managing your online access to traditional brick and mortar banks like Chase. +1 I like to use a password manager and extra secure generated passwords for any financial site but more simple passwor...
by GlennK
Thu Jun 11, 2020 6:55 am
Forum: Personal Investments
Topic: The Best High Yield Savings Account
Replies: 67
Views: 9787

Re: The Best High Yield Savings Account

In general, Live Oak Bank is always at or near the top of online savings bank rates. Ally and Goldman Sachs are generally near the top. I also have a capital One checking and savings but they are never at the top but have been offering incentives lately. So although wherever you go can lower their s...
by GlennK
Sat Jun 06, 2020 6:03 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 56
Views: 6361

Re: Roll Call for the Retirement Class of 2021!

My plan is to retire at the end of my birthday month, October, in 2021 at the age of 60. However, if my company is having a solid year, then I may delay that till March, 2022 to collect the yearly bonus. I have been in the IT industry (at the same manufacturing company) for nearly 36 years. My work ...
by GlennK
Fri May 29, 2020 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2376

Re: Is Capital One 360 bank account OK?

I would give them a call. But soon.

And if you read my offer, it was for a specific performance savings account (I X'd out my account but it listed my account number in the email). So yeah, sounds like they only offered new customers or those with a performance savings account.
by GlennK
Fri May 29, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2376

Re: Is Capital One 360 bank account OK?

No bonuses for existing customers either obviously. Those were paid for by existing customers' slippery sliding savings rates over time. Not true. I was emailed a few weeks ago. The offer was to add $50,000 to my performance savings by 5/31, keep for 2 months, and earn $450. Not quite as good as th...
by GlennK
Thu May 28, 2020 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is Capital One 360 bank account OK?
Replies: 35
Views: 2376

Re: Is Capital One 360 bank account OK?

No bonuses for existing customers either obviously. Those were paid for by existing customers' slippery sliding savings rates over time. Not true. I was emailed a few weeks ago. The offer was to add $50,000 to my performance savings by 5/31, keep for 2 months, and earn $450. Not quite as good as th...
by GlennK
Mon Apr 20, 2020 8:58 am
Forum: Personal Consumer Issues
Topic: Growing Fruit and Vegetables
Replies: 30
Views: 1954

Re: Growing Fruit and Vegetables

I have to second the cucumbers. Fresh cukes are definitely better than what you find in stores. Not quite as drastic as tomatoes, but definitely better. If you like heat, then I highly recommend the hot Hungarian peppers. These do well in my garden. When I am canning my tomato sauce, or cooking fres...
by GlennK
Tue Apr 14, 2020 8:22 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14381

Re: How many paid for kids' college?

I paid for most of my kids' university costs, all with 529. I did have them borrow some money(like $1,000 per year) to keep skin in the game. Then after they graduated, I paid off their loans to save the interest, and had them pay me back interest free. They both realized all of that was truly gener...
by GlennK
Mon Apr 06, 2020 7:19 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 77617

Re: I have COVID-19. Some thoughts.

I am very glad to read you are back home and recuperating. That had to be a scary time. And you are right. I always expected to have a long and fun retirement with my wife. Unfortunately, she was diagnosed with lung cancer at 56 and passed away 19 months later. This was a non-smoker and non-drinker ...
by GlennK
Tue Mar 31, 2020 6:47 am
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 853
Views: 110736

Re: Best CD rates thread

Any good CD rates? Bad timing but I have a CD maturing. Live Oak Bank: 1 year CD at 1.9%. But that is not much better than their savings rate of 1.75%. Marcus (Goldman Sachs): 1 year CD 1.85%. I consistently find these two at or near the top every time I look to renew a CD. And I am pretty sure tha...
by GlennK
Tue Mar 31, 2020 6:13 am
Forum: Personal Consumer Issues
Topic: New Washing Machine
Replies: 18
Views: 1703

Re: New Washing Machine

I believe the current Maytag is now made by Whirlpool to Whirlpool specs. That is not to say Whirlpool is bad, but it is not the same Maytag it used to be. You might want to see if yours can be repaired. My Whirlpool washer and dryer are now going on 28 or 29 years. I have had to repair the washer ...
by GlennK
Thu Mar 26, 2020 8:01 am
Forum: Personal Consumer Issues
Topic: My treadmill broke. Now what?
Replies: 36
Views: 1926

Re: My treadmill broke. Now what?

I highly recommend an arc trainer over an elliptical. At my gym, they have both and I like using the arc trainer more. Allowing the steps to be elevated "sort of" combines a step climber with an elliptical. Studies have shown it is a better calorie burner than the elliptical. Also, when using an ell...
by GlennK
Thu Mar 26, 2020 7:42 am
Forum: Personal Finance (Not Investing)
Topic: How to manage half a couple in retirement
Replies: 10
Views: 1280

Re: How to manage half a couple in retirement

It took me 10 years to talk my wife into moving south out of Ohio. This was when we were still both working. I had worked in North Carolina and liked most things. But my wife hated it for various reasons which I agreed with some of them. This was all in the planning for retirement stage. Unfortunate...