Search found 898 matches

by retcaveman
Sun May 06, 2012 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Did you/Do you plan to move when retiring?
Replies: 65
Views: 5260

Re: Did you/Do you plan to move when retiring?

One point related to a move "home" is the change in reality vs your recollections of the place. While we made the move home and don't regret it, there was an adjustment on our part to the changes we encountered. Even though we had made annual trips home, we weren't there long enough to see and inter...
by retcaveman
Fri May 04, 2012 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Did you/Do you plan to move when retiring?
Replies: 65
Views: 5260

Re: Did you/Do you plan to move when retiring?

Moved back home to the midwest from the east coast. Have no interest in going south. Acknowledging everyone is different, several people we know retired, sold everything and moved to Florida. After 6-12 months, they moved back. After a lifetime of living in the north, bad winters and all, moving awa...
by retcaveman
Thu May 03, 2012 9:44 pm
Forum: Personal Consumer Issues
Topic: Toyota Highlander overkill for 2 people?
Replies: 52
Views: 8364

Re: Toyota Highlander overkill for 2 people?

DW had been driving Toyota Camrys, after driving Honda Accords for many years but wanted something different. She was drawn to a Toyota Venza and likes it very much. It sits a little higher, which she likes and gives us a little more clearance in snow (Wisconsin winters). It also is very good on gas...
by retcaveman
Sun Apr 29, 2012 11:10 am
Forum: Personal Consumer Issues
Topic: Top five regrets of the dying
Replies: 83
Views: 10790

Re: Top five regrets of the dying

I spent an afternoon last week in our town's littlest house laughing very hard at some long, slow stories told by an 83-year-old gentleman enjoying his final week in this life. He has brain cancer and lies in bed with his tiny dog, Hailey. His stories moved from the excitement of loading a 5 inch-....
by retcaveman
Thu Apr 26, 2012 9:08 am
Forum: Personal Consumer Issues
Topic: Top five regrets of the dying
Replies: 83
Views: 10790

Re: Top five regrets of the dying

Hi again. Since posting my earlier response, I have given this some more thought. While painful to admit, I wish I had lived my life with less anxiety and worry. It interfered with my happiness to varying degrees and of course didn't make any difference. To say it a little differently, if I had know...
by retcaveman
Wed Apr 25, 2012 10:26 pm
Forum: Personal Consumer Issues
Topic: Top five regrets of the dying
Replies: 83
Views: 10790

Re: Top five regrets of the dying

I think the top one is more telling "I wish I'd had the courage to live a life true to myself, not the life others expected of me." I have been trying to do this, but it is hard. It sort of blends in with the "I wish I hadn't worked so hard" thought - if you are really living a life that is true to...
by retcaveman
Wed Apr 11, 2012 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Career counseling
Replies: 17
Views: 1522

Re: Career counseling

Seems to be a lot of people seeking a job/career change. For those who are out of work and looking, this is sometimes hard to understand. For my parents' generation, job satisfaction was not necessary. A good paying and maybe secure job was all that mattered. People today tend to expect much more fr...
by retcaveman
Sun Mar 04, 2012 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Distress. [company trying to force into quitting]
Replies: 74
Views: 7359

Re: Distress. [company trying to force into quitting]

I am not aware of any State that limits recommendations/references, but many companies today have policies that limit what they can tell a prospective employer. Of course there are written policies and their are individual actions that may or may not be compliant with those policies. My former emplo...
by retcaveman
Sat Mar 03, 2012 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Distress. [company trying to force into quitting]
Replies: 74
Views: 7359

Re: Distress.

Unfortunately, this kind of treatment has become more common. As others have mentioned, there is a "cause of action" called "constructive discharge." The basic concept is that there are situations where people aren't technically fired, but working conditions are soo bad that the employee has little ...
by retcaveman
Sun Jan 15, 2012 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Work and Dealing with Golden Handcuffs
Replies: 55
Views: 8606

Re: Frustrated with Work and Dealing with Golden Handcuffs

Sorry to post another article, but I just read this in today's WSJ and thought it related to this discussion. The quote below reinforces a point I made in an earlier post in this thread, but says it much better. Excerpt: "Given how much energy employees devote to their job, there can be quite a few ...
by retcaveman
Sat Jan 14, 2012 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Work and Dealing with Golden Handcuffs
Replies: 55
Views: 8606

Re: Frustrated with Work and Dealing with Golden Handcuffs

Just saw this article "Quit: Do It Now" from the WSJ and thought it was interesting. (It's about a lady who "dropped out" and why.) Enjoy.

http://online.wsj.com/article/SB1000142 ... eerjournal
by retcaveman
Sat Jan 14, 2012 12:07 pm
Forum: Personal Consumer Issues
Topic: Toyota Venza
Replies: 17
Views: 2884

Re: Toyota Venza

DW wanted a Venza for a couple of years. We finally got her one last year and she loves it. She previously drove a Camry and before that, Accords for many years. She gets about the same mileage as her Camry (low 30's with the 4 cyl which we find peppy enough for us). It is very comfortable...getting...
by retcaveman
Wed Jan 11, 2012 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Work and Dealing with Golden Handcuffs
Replies: 55
Views: 8606

Re: Frustrated with Work and Dealing with Golden Handcuffs

Another thought for your consideration. After about 20 years with the same employer (different jobs), I felt mentally and emotionally exhausted and began to think about getting out. I held on for another handful of years and then took early retirement - age 51. A year or two after I left, I began to...
by retcaveman
Tue Jan 10, 2012 7:42 pm
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3377

Re: Bike riders with no lights at night

This incident reminded me of a similar one wherein we were out on an evening club ride when a car came up on us with a guy hanging out of the back passenger window. When they got up next to us he threw a water balloon that hit one of our female members causing her to fall. Because it happened so fas...
by retcaveman
Tue Jan 10, 2012 1:12 am
Forum: Personal Finance (Not Investing)
Topic: Frustrated with Work and Dealing with Golden Handcuffs
Replies: 55
Views: 8606

Re: Frustrated with Work and Dealing with Golden Handcuffs

You've already received many good suggestions. I'd just like to add that the notion of a job providing satisfaction, fulfillment and other psychic rewards is a fairly new phenomenon in the history of Man. When I would express such feelings to my Dad, he would usually say, "what are you complaining a...
by retcaveman
Tue Jan 10, 2012 12:48 am
Forum: Personal Consumer Issues
Topic: Bike riders with no lights at night
Replies: 60
Views: 3377

Re: Bike riders with no lights at night

As an avid bicyclist, I am embarrassed by the behavior of some riders. And I am sympathetic to auto drivers who have to deal with their antics. (In fairness, there are also some drivers who do stupid things that endanger cyclists. I have seen drivers try to run bikers off the road, make turns in fro...
by retcaveman
Sat Jan 07, 2012 9:04 pm
Forum: Investing - Theory, News & General
Topic: What is the single most important investing belief?
Replies: 128
Views: 11418

Re: What is the single most important investing belief?

To me it's this: shovel as much money as you possibly can into tax-advantaged accounts. I'd rather oversave and retire early than deal with the alternative. In terms of what to invest in, I use low-cost index funds simply because I know what to expect: the market return for a particular asset class...
by retcaveman
Sat Jan 07, 2012 12:40 pm
Forum: Investing - Theory, News & General
Topic: What is the single most important investing belief?
Replies: 128
Views: 11418

Re: What is the single most important investing belief?

Educate yourself before investing your money. A lot of mistakes can be avoided if you invest in some basic financial education.
by retcaveman
Sat Jan 07, 2012 12:36 pm
Forum: Investing - Theory, News & General
Topic: Should most people sell stock this year for lower tax rate?
Replies: 40
Views: 3120

Re: Should most people sell stock this year for lower tax ra

One consideration is 0 cap gains rate vs stepped up basis on inherited funds at death. Also, the 0 cap gains for this year is limited to those in the 15% tax bracket, which was $69k in 2011. A cap gain counts toward your AGI, but the tax rate on the gain in the 15% bracket is 0.
by retcaveman
Fri Jan 06, 2012 11:41 pm
Forum: Personal Consumer Issues
Topic: Would you trade all of your wealth to be 20 again?
Replies: 93
Views: 8124

Re: Would you trade all of your wealth to be 20 again?

A question that comes to mind in answering the question is back to 20 today in 2012, or back to 20 which for me would be 1967? Wouldn't want to be 20 today, but wouldn't mind reliving the 60's and 70's. While that period had its problems (Viet Nam, assassinations in '68, etc), if I could take my cur...
by retcaveman
Tue Nov 22, 2011 11:40 pm
Forum: Personal Consumer Issues
Topic: What was your very first job
Replies: 103
Views: 6746

Re: What was your very first job

Delivering prescriptions for a local drug store in a Ford Falcon station wagon. It had a little lighted RX mixer thing (mortar and pestle) on top.
by retcaveman
Tue Nov 22, 2011 11:32 pm
Forum: Personal Consumer Issues
Topic: music gift for Jimi Hendrix fan
Replies: 19
Views: 2003

Re: music gift for Jimi Hendrix fan

There is a doucmentary of Hendrix I have seen on TV. Interviews with ex girlfriends, description of his travels in Europe, etc. A Google search turned up several eg. http://www.imdb.com/title/tt0070242/

Good luck.
by retcaveman
Tue Nov 22, 2011 11:26 pm
Forum: Personal Consumer Issues
Topic: Do you miss the 90's
Replies: 49
Views: 3771

Re: Do you miss the 90's

Toons wrote:No but I do miss the "sixties" sometimes :D :D
Ditto - and the 70's despite all the turmoil.
by retcaveman
Tue Nov 22, 2011 11:22 pm
Forum: Personal Consumer Issues
Topic: November 22nd
Replies: 13
Views: 1212

Re: November 22nd

I was in my high school office, getting a pass to leave the building to take a road test for my drivers license. The news came over the civil defense system as I was standing at the counter. Never forget it.
by retcaveman
Thu Oct 13, 2011 8:02 pm
Forum: Investing - Theory, News & General
Topic: Muni bonds losing tax exempt status?
Replies: 12
Views: 2030

For those who may be interested, here is the link.

http://video.cnbc.com/gallery/?video=3000050332

The guy is Mike Pietronico, Miller Tabak Asset Management CEO.
by retcaveman
Sat Sep 24, 2011 12:10 pm
Forum: Personal Consumer Issues
Topic: Anyone done DIY attic insulation? Any tips?
Replies: 28
Views: 4061

FWIW, when we had our house built, the contractor put 6" rolled insulation down first and then blew in other stuff on top to get to R50. You want to make sure you have those styrafoam baffels stapled between the roof rafters to stop the insulation from touching the inside of the roof. You want to ke...
by retcaveman
Sat Sep 24, 2011 10:36 am
Forum: Investing - Theory, News & General
Topic: The Great Age-Wave Ruse
Replies: 11
Views: 3738

Even if you accept the basic argument that retiring boomers will liquidate their stock holdings to finance their retirements (I am sure they will), they won't all sell all their holdings on the same day. They most likely will nibble at their holdings over time, in part due to the fact that distribut...
by retcaveman
Sat Jun 18, 2011 5:08 pm
Forum: Personal Consumer Issues
Topic: Buying Bicycles
Replies: 30
Views: 3528

I am a recreational cyclist and try to average 100 miles per week. Also worked at a Trek store for a couple of years and own 3 Trek bikes (Pilot 2.1 road bike, 7.2 FX fitness hybrid and a 4500 mountain bike. While there are many good bikes (Giant is a good bike for the money.), within the Trek lineu...
by retcaveman
Fri May 06, 2011 7:01 pm
Forum: Personal Consumer Issues
Topic: Right Hand Turns At Red Lights
Replies: 58
Views: 5510

There are a lot of wicked witches in the world. Stick to the yellow brick road and you will arrive safely in oz.
by retcaveman
Fri May 06, 2011 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're ready for a promotion?
Replies: 42
Views: 4219

[/quote] I guess it wouldn't hurt to apply. But let's say they offered it to me and I turned it down? Would that be worse than not applying at all? I could see a situation where they only offer to give me a small pay bump...and I'm not sure it's worth it if that is the case.[/quote] While I don't kn...
by retcaveman
Fri May 06, 2011 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: What is worth spending more money on?
Replies: 98
Views: 10646

Re: What is worth spending more money on?

I think I've sat in front of your kid on those flights to Europe... Thanks for nothing, buddy.... :) My kids have all done a decent number of long haul flights since they were a few months old and I look at it this way.... I have been on LONG buses and planes and trains with screaming infants and o...
by retcaveman
Fri May 06, 2011 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Financial plan for my wife if I were to pass away
Replies: 24
Views: 5236

I have discussed and committed to writing "instructions" for her should I predecease her. We review our AA/balance sheet at least once a year and do our taxes together. We discuss any changes ie purchases and sales of funds to make sure she is aware and knows the "why" behind the move. While she doe...
by retcaveman
Fri May 06, 2011 10:43 am
Forum: Personal Consumer Issues
Topic: Lawn mower emitting black fumes
Replies: 11
Views: 1843

rwwoods wrote:1) Too rich a mixture - try a test run w/o the air filter
2) Blown ring
3) Bad valve seating or valve gasket
Good point. Did you by chance put gas with 2 cycle engine oil in your 4 cycle mower? (2 cycle engines run on a mix of gas/oil whereas a 4 cycle runs on gas alone with oil in a crankcase.)
by retcaveman
Fri May 06, 2011 10:37 am
Forum: Personal Consumer Issues
Topic: Lawn mower emitting black fumes
Replies: 11
Views: 1843

Could be a cracked piston ring or a leaking valve...maybe a gasket. Is the smoke coming from the exhaust or just off the engine block? Can you pull the starter cord or is the engine jammed ie it won't turn. Remove the spark plug to see if it is black and wet with oil. It should be sort of tan/gray a...
by retcaveman
Fri May 06, 2011 8:31 am
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 24
Views: 50347

The main control unit should be in your garage. Make sure it is turned "on." Make sure you have allocated time to each zone, eg days and minutes it should run. Then each of your zones should have a control. Ours are round green plastic/fiberglass "cans," the size of a large coffee can. They are spre...
by retcaveman
Fri May 06, 2011 3:51 am
Forum: Personal Consumer Issues
Topic: Sprinkler System - Suddenly Not Working!
Replies: 24
Views: 50347

Just a thought... If you have a rain sensor (to override your program setting when there has been rain) and it has been raining, you won't be able to get the system to run. This has happened to me a couple of times with ours. I go to turn it on and nothing. If you have a rain sensor, you can turn it...
by retcaveman
Fri May 06, 2011 3:28 am
Forum: Personal Finance (Not Investing)
Topic: What is worth spending more money on?
Replies: 98
Views: 10646

While obviously a very personal decision, if you don't have anything you NEED to spend money on and there is nothing more, at this point, that you want, don't spend just because you can. The future is very uncertain, but it will surely be expensive. More money saved is security and gives you options...
by retcaveman
Thu May 05, 2011 2:20 pm
Forum: Personal Consumer Issues
Topic: do bogleheads have no aspirations for "flashy wealth&qu
Replies: 69
Views: 6689

In reading through the thoughtful posts, I find myself reflecting on my earlier reference to Madison Avenue marketing. Just think of all the things we say we like because the population seems to have embraced them as perennial truths. - retiring in some southern location - living in a homogenous gat...
by retcaveman
Thu May 05, 2011 1:34 pm
Forum: Personal Investments
Topic: Target Retirement funds and early retirement
Replies: 14
Views: 3856

While I have not been particularly attracted to TR funds, I do like Target Retirement Income. It has a stable vs flexible AA. I guess I don't trust the variability of funds that follow an evolving glide path.

Good luck.
by retcaveman
Thu May 05, 2011 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you're ready for a promotion?
Replies: 42
Views: 4219

Well maybe the "fix" is in. Even if you apply, you may not get it. Of course if that's the case, it may present you with another issue ie is that a place you want to work? Where I worked, we had this thing called a "sham posting." A manager would post the opening to appear fair and to keep HR off t...
by retcaveman
Thu May 05, 2011 6:47 am
Forum: Personal Finance (Not Investing)
Topic: How do you know you're ready for a promotion?
Replies: 42
Views: 4219

I guess the main issue I have is managing others who want the promotion. Some questions that have been running through my mind include: how will they react, will they be difficult to work with, etc...even if I currently have a good relationship with them. Exactly how I felt. These are people I work...
by retcaveman
Thu May 05, 2011 6:29 am
Forum: Personal Consumer Issues
Topic: do bogleheads have no aspirations for "flashy wealth&qu
Replies: 69
Views: 6689

Well, life is about choices, so do you choose to be wise or careless? Are you self-directed or other-directed? Are you superficial or do you have depth of character? For me, a car is mostly transportation at a reasonable cost. Not the cheapest vehicle you can find. Add in a few nice features/options...
by retcaveman
Thu May 05, 2011 6:09 am
Forum: Personal Investments
Topic: Where To Invest 60k for 75 Year Old
Replies: 11
Views: 2069

May want to check out Target Retirement Income which is designed for people in retirement. It has a 30% stock allocation, including some international and TIPS.
by retcaveman
Thu May 05, 2011 6:01 am
Forum: Personal Consumer Issues
Topic: Do you change the engine oil yourself?
Replies: 78
Views: 9032

I am another one who used to do it myself... years ago before I got involved with my career. The dealers usually have specials that make the cost reasonable. When you add in shopping for the oil/filter, disposing of the old oil/filter, your time and effort and potential mess, much better IMO to pay ...
by retcaveman
Thu May 05, 2011 5:50 am
Forum: Personal Consumer Issues
Topic: LinkedIn - benefits, drawbacks?
Replies: 26
Views: 3690

What do you retirees put as your job in LinkedIn? Do you just leave your last position on there? Four years after early retirement, I have just left my old position on there. I have seen this : "Retired" Or even better, close your account. I wouldn't rush to close your account. You can adjust your ...
by retcaveman
Wed May 04, 2011 10:10 pm
Forum: Personal Consumer Issues
Topic: Washing Car
Replies: 14
Views: 2400

I use mild dish soap in a bucket with warm water and a clean mit. Rinse the car real good to get whatever grit off of it before you begin. Then dip the mit in the bucket and wash. Keep a lot of soap and water on the mit to keep it gliding and avoid scratching. Keep rinsing the mit to remove grit and...
by retcaveman
Wed May 04, 2011 1:09 pm
Forum: Personal Investments
Topic: What are you buying now and why?
Replies: 53
Views: 8627

I've been selling some stock. Plan on buying some I Bonds the end of the month. Otherwise, not buying anything.
by retcaveman
Wed May 04, 2011 1:07 pm
Forum: Personal Consumer Issues
Topic: LinkedIn - benefits, drawbacks?
Replies: 26
Views: 3690

While I am no expert, my understanding is that LinkedIn is a more professional site with many legitimate uses. I recently signed up as part of my alma mater user group. I am retired, but do some mentoring via the LindedIn site. Based on m y limited knowledge and involvement, I wouldn't have any prob...
by retcaveman
Wed May 04, 2011 12:12 pm
Forum: Personal Consumer Issues
Topic: Cheeseburgers Vs. Hamburgers
Replies: 77
Views: 8710

OOps, that's Chaseburg. Sorry.