Search found 765 matches

by 3504PIR
Wed Jun 12, 2019 11:40 pm
Forum: Personal Consumer Issues
Topic: Which shaving cream / oil?
Replies: 58
Views: 3449

Re: Which shaving cream / oil?

I use Proraso shave cream and love it. I’m currently on a long road trip and I’m using a “Berber Tiras Sabuno” stick I received as a free gift from shave nation and it works really well even without a brush. I’ve found shave soap in general way cheaper to use than the crap from a can and using a bru...
by 3504PIR
Wed Jun 12, 2019 11:33 pm
Forum: Personal Finance (Not Investing)
Topic: Best prepaid debit card for a teen
Replies: 23
Views: 1179

Re: Best prepaid debit card for a teen

I found it best to have my kids open accounts in the same bank as myself (jointly with myself if under adult age). Transfers from myself to them is instant and cost free. Normally a debit card on a child's account (or student's account) should cost nil. Talk to your local branch. Major headache wit...
by 3504PIR
Sat Jun 08, 2019 12:22 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34489

Re: Roll Call for the Retirement Class of 2019!

I am now finished with work and will be on vacation time through 16 August 2019 when I will be officially off the books! Here’s to not yet being retired but not having to go to work ever again! We have the same retirement date. August 16, but unlike you, I'm part-timing (3 days a week) until then. ...
by 3504PIR
Sat Jun 08, 2019 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Federal government change of station benefits
Replies: 1
Views: 364

Re: Federal government change of station benefits

Has anyone used the Federal government permanent change of station (PCS) benefits where they relocate you from one station to another? I was told by HR at my new location that helping to sell a home at my current location is not a covered benefit. However, while going through the PCS benefit site, ...
by 3504PIR
Mon Jun 03, 2019 8:31 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 289
Views: 34489

Re: Roll Call for the Retirement Class of 2019!

A quick update to my retirement journey this year. On 31 May after work, I got on a plane departing Hawaii for California to begin my final leave/vacation days. We pick up our car this week in California and begin a slow drive across the country, visiting various sites and family along the way. I am...
by 3504PIR
Wed May 29, 2019 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Italian traffic fine with U.S. debt collector
Replies: 60
Views: 4651

Re: Italian traffic fine with U.S. debt collector

Any country that is apart of the Schengen zone (majority of Europe) will likely detain you when you try to enter that country if you do not pay the traffic ticket and you will be forced to pay the ticket plus interest on the spot. I strongly doubt this. Really? I wouldn't doubt it anymore after end...
by 3504PIR
Wed May 29, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Looking for initerary recommendation-driving from Munich
Replies: 11
Views: 365

Re: Looking for initerary recommendation-driving from Munich

If you're planning on driving through Austria on the divided highways, make sure you get an Austrian Vignette (highway toll sticker). I think the sticker is about 10 euros for 10 days (actually 9.2 euros). I've read that the "on the spot" fine can be as high as 120 euros. You can get them at gas st...
by 3504PIR
Wed May 29, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Looking for initerary recommendation-driving from Munich
Replies: 11
Views: 365

Re: Looking for initerary recommendation-driving from Munich

We ordered a BMW to be picked up in Munich and drive around Europe for 2 weeks before shipping it back to the US in mid Sept. We try to avoid big cities with heavy traffic and parking problems being it a brand new car. To avoid dings and such, avoid Italy, Eastern Europe and the Balkans in general....
by 3504PIR
Mon May 27, 2019 6:28 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3116

Re: London / UK Summer Trip

I am 100% in agreement with valuethinker and he knows more about this topic than anyone else I am aware of posting here from the U.K. The time / distance factor is very different in the U.K. than it is in the US. It may not look like a great distance between, for example, London and York but it will...
by 3504PIR
Mon May 27, 2019 6:16 pm
Forum: Personal Consumer Issues
Topic: tankless water heater?
Replies: 37
Views: 3310

Re: tankless water heater?

We had a tankless water heater (electric) in one of our homes in Europe and currently have a gas operated tankless in our home. The gas is superior IMO, as it only takes a few seconds to get hot water where the electric took a bit longer, like 25-30 seconds. We also have an unlimited supply of water...
by 3504PIR
Mon May 27, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3116

Re: London / UK Summer Trip

Here's what I am thinking now: Saturday) Arrive early Saturday AM to LHR, take express train to London. Tour London (London) Sunday) Tour London (London) Monday) Tour London, evening train to York (York) Tuesday) Tour York (York) Wednesday) Pickup rental car drive towards Wales highlands (night in ...
by 3504PIR
Sun May 26, 2019 2:09 am
Forum: Personal Finance (Not Investing)
Topic: Are you missing a $15,000 payment from CRB FREEDOM?
Replies: 28
Views: 4629

Re: Are you missing a $15,000 payment from CRB FREEDOM?

It’s kind of creepy. I’d close the account ASAP and open a new one at the same time, kind of like getting a new credit card number/account when it’s been corrupted. Someone potentially knows your name and account number and maybe more.
by 3504PIR
Sun May 26, 2019 1:57 am
Forum: Personal Finance (Not Investing)
Topic: Life happens, now what?
Replies: 19
Views: 4459

Re: Life happens, now what?

As your pension will essentially be the same as your current income, the change in your retirement situation will be the details in cost for the travel and the cost of having a bigger family which may not be an impact as you were fostering up until now, although you don’t mention if you had foster i...
by 3504PIR
Sun May 26, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3116

Re: London / UK Summer Trip

We were just in London for 2 weeks for neice's wedding. DW was born in London and her only sister lives in the south so we have been there many times. We spent a week in a 2 bedroom flat near Vauxhall station (an easy walk to the London Eye) with 2 daughters that DW booked on Homeaway. Time before ...
by 3504PIR
Sat May 25, 2019 4:05 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 2974

Re: Any option traders?

Since I’m fairly new to this (hence starting the thread), can someone explain to me what trading the spread means? Maybe cite a couple examples of exactly how it’s done. I’d look it up online but I’d rather hear from people with real experience doing it. A spread is general and usually refers to bu...
by 3504PIR
Sat May 25, 2019 3:48 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 2974

Re: Any option traders?

Wow on the out of context multi quoting analysis. You quote 3 different people, including me. What I do with a naked put is included in my sentence. I don’t need you to redefine my comment into what you decide as misleading related to covered calls. I specifically didn’t discuss covered calls becau...
by 3504PIR
Fri May 24, 2019 4:57 am
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 2974

Re: Any option traders?

I routinely trade spreads during earnings season and sell puts on stocks I don’t mind owning for a while. . . . . . . I sell naked puts on stocks I am willing to own. I also sell covered calls on the few stocks I own when the opportunity presents itself. Like the previous poster suggested writing c...
by 3504PIR
Fri May 24, 2019 4:48 am
Forum: Personal Consumer Issues
Topic: What is the best way to test drive cars?
Replies: 39
Views: 2938

Re: What is the best way to test drive cars?

Rent the car is a great idea. Additionally ask to test drive the car yourselves. You can then ask the salesman/woman to come on a test drive with you if you are interested. It’s important to both drive the car yourself and with commentary to point out aspects you didn’t know. Initially I prefer my t...
by 3504PIR
Tue May 21, 2019 11:58 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 64
Views: 5789

Re: Financial Movies and Shows

KSOC wrote:
Thu Feb 09, 2017 12:34 pm
The Big Short. 2015
+1. Also not sure simply having money in the title in some form makes the movie a financial movie, I.e. fist full of dollars or Heat. If robbing a bank qualifies, then the list will be very different.
by 3504PIR
Tue May 21, 2019 11:53 pm
Forum: Personal Finance (Not Investing)
Topic: Sell condo or rent it?
Replies: 14
Views: 1160

Re: Sell condo or rent it?

I’d sell it. Cash flows on condos are generally poor due to the overhead of the association fee and other costs to own in general. While your cash flow may be positive initially, you’re not guaranteed the fees won’t go up.
by 3504PIR
Tue May 21, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: Sell condo or rent it?
Replies: 14
Views: 1160

Re: Sell condo or rent it?

I’d sell it. Cash flows on condos are generally poor due to the overhead of the association fee and other costs to own in general.
by 3504PIR
Tue May 21, 2019 11:44 pm
Forum: Investing - Theory, News & General
Topic: Any option traders?
Replies: 41
Views: 2974

Re: Any option traders?

I routinely trade spreads during earnings season and sell puts on stocks I don’t mind owning for a while. No real discussions here about this topic, but I enjoy the analysis and the low risk with protected trades. It takes some time to learn how to avoid risk, but it’s not that difficult once you le...
by 3504PIR
Tue May 21, 2019 11:39 pm
Forum: Personal Investments
Topic: Son rising univ senior, has some $$s - pay on loans, start Roth, or both?
Replies: 25
Views: 1151

Re: Son rising univ senior, has some $$s - pay on loans, start Roth, or both?

What I’d recommend is setting some of that money aside to use during the transition he will have next year as he graduates and starts his career. Things like paying a deposit on a place, getting utilities which may also require a deposit and having money available when things pop up during his move ...
by 3504PIR
Mon May 20, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14325

Re: FIRE - What am I missing in the News Stories

I retire in 2 weeks, not at 35, but at 56. Retirement savings can go beyond IRAs and 401k’s, and if you do retire early, even a few years early, it is important to save beyond “retirement” accounts.
by 3504PIR
Mon May 20, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Essen Germany...what’s around ?
Replies: 12
Views: 645

Re: Essen Germany...what’s around ?

Koln is worth the trip, and a dinner cruise on the Rhine would be fun. If you feel like venturing out, take a train to Munster which is a great university town or head to the low country. Essen is a great hub to travel into that region of Germany or over into Belgium or the Netherlands.
by 3504PIR
Sat May 18, 2019 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Treasury Direct ?
Replies: 34
Views: 1949

Re: Anyone use Treasury Direct ?

I use TD and like it very much overall. I had to phone them once and had a very efficient and helpful experience, not what I’d been expecting. I don’t have any issues with the site or interaction with it and hold a wide variety of what they offer. I’ve used it for college savings in I bonds (held un...
by 3504PIR
Sat May 18, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5484

Re: Guidance on choosing between UMich and Brown

These multiple part college decision / thinly disguised brag posts are entertaining. When I read them I always come to a point where I see in my mind a parent/child argument in a cluttered basement that always has a part where the kid screams at the parents, “the thread said I should go to Harvard, ...
by 3504PIR
Wed May 15, 2019 9:32 pm
Forum: Personal Investments
Topic: How invest $1.5 million to assure at least $30K income per year in 2019 dollars?
Replies: 13
Views: 3260

Re: How invest $1.5 million to assure at least $30K income per year in 2019 dollars?

5 -6 houses in FL rent $1700 each , 8500 gross rent per month , $5k net rent per month, managed by professional Did you read the post or just the title? Impossible options are not good options. To the OP, you could divide the funds into a 25/75 or 30/70 stock/bond mix using intermediate municipal b...
by 3504PIR
Mon May 13, 2019 11:14 pm
Forum: Personal Investments
Topic: Does your retirement plan work if stocks are flat or in decline for decades?
Replies: 180
Views: 10456

Re: Does your retirement plan work if stocks are flat or in decline for decades?

From everything I can tell for the BH philosophy to work you have to believe over the long term stocks will move from lower left to upper right. That said it is very common in threads to see a post that disputes this as a valid assumption and cites non-US examples like Japan, Argentina, Venezuela a...
by 3504PIR
Mon May 13, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Kill Bermuda grass without chemicals
Replies: 15
Views: 1360

Re: Kill Bermuda grass without chemicals

Boiling water. I use a tea kettle and it kills instantly. Technique works great on areas like you mention or in cracks in driveways, etc. I wouldn’t try it on my lawn itself. About 2 oz of water poured right where the root emerges and pour right away after it reaches a boil.
by 3504PIR
Mon May 13, 2019 11:02 pm
Forum: Forum Issues and Administration
Topic: For how long will the forum be around?
Replies: 94
Views: 7214

Re: For how long will the forum be around?

As Bogleheads are fond of saying, every investing strategy works until it doesn’t. Therefore, when the BH strategy fails, the forum will cease to exist in the way it currently does.

How’s that?
by 3504PIR
Mon May 13, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: FERS-Military Buyback and Early Retirement
Replies: 8
Views: 590

Re: FERS-Military Buyback and Early Retirement

Basic calculations can be found on the OPM website under FERS. However, to begin to do the math, the basic calculation is: High 3 Salary Average x # of years service x 1% = annual FERS annuity. Through the OPM website you can find variations of the 1% based on years of service or for first responder...
by 3504PIR
Sun May 12, 2019 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: When did you realize it wasn't enough?
Replies: 33
Views: 7345

Re: When did you realize it wasn't enough?

I retired from the Army in 2008 the week before the market meltdown really started, but after the fall of the real estate market had already started to kick in. I was lucky to get a check for $26,000 after the sale of my home, which would have been about $200,000 the year before. I wasn’t expecting ...
by 3504PIR
Sun May 12, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3085

Re: Best month to visit London?

I’ve visited London dozens of times and lived there for 2 years. In order I prefer Christmas season, September and April. Crazy just before Xmas. Then on Christmas Eve and Xmas day it just dies. No public transport. Streets are empty. Almost nothing is open. A lot of restaurants etc are closed xmas...
by 3504PIR
Sat May 11, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Fed Employee/Retirement Issues
Replies: 24
Views: 1815

Re: Fed Employee/Retirement Issues

I am assuming you are FERS so pick your retirement date carefully. In most cases you should pick the last day of the month for FERS. Your estimated retirement check will be in about 30 days. For example, you retire on May 31st, your first estimated check will come on July 1st. You will fill out pap...
by 3504PIR
Sat May 11, 2019 6:59 pm
Forum: Personal Consumer Issues
Topic: Best month to visit London?
Replies: 40
Views: 3085

Re: Best month to visit London?

I’ve visited London dozens of times and lived there for 2 years. In order I prefer Christmas season, September and April.
by 3504PIR
Sat May 11, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Advice sought for my Son, Career and Investing
Replies: 14
Views: 949

Re: Advice sought for my Son, Career and Investing

It is clear to me that you have done an exceptional job as parents for him to be in the position he is in today educationally, financially and getting started in his career. Well done! He is gaining valuable experience in his initial career job, and as he continues to work hard and mature in his fie...
by 3504PIR
Fri May 10, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2073

Re: Backpacking/study abroad for young folks

As others have said, it depends. Usually I have seen kids with an itch figure out how to get somewhere, somehow at some cost. Others are comfortable at home. My daughter grew up in Europe, came back to the US with us for her senior year in high school and then embarked on a gap year back in Europe w...
by 3504PIR
Sun May 05, 2019 6:07 pm
Forum: Personal Investments
Topic: Say you have a pension & lot of cash. With those in mind, does it make sense to have a more aggressive allocation?
Replies: 62
Views: 4326

Re: Say you have a pension & lot of cash. With those in mind, does it make sense to have a more aggressive allocation?

I think it comes down to the individual perspective and risk profile and not the pension, although a pension will alter some people’s risk profile (mentally). We have 3 pensions and at some point SS will kick in. My portfolio will largely pass on to my daughter and I could invest it based on her age...
by 3504PIR
Sun May 05, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 75
Views: 10536

Re: Rolex

This thread makes an Apple Watch look cheap. Maybe, maybe not: An Apple Watch will be outdated in 2 years and need to be replaced. A Rolex will last multiple lifetimes. I keep my Apple equipment for a long time. Not really comparable though, is it? I bought my Rolex submariner in 1985 and still wea...
by 3504PIR
Sat May 04, 2019 11:45 pm
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2723

Re: Europe with teens - hotel options

This is common throughout Europe, 3 to a room is fairly standard. A couple of ways around it have been mentioned such as VRBO, et. For the hotel side, you may have better luck with Marriott, depending on where you are going. Their rooms are US sized in every case I can think of. Also think about get...
by 3504PIR
Tue Apr 30, 2019 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 8705

Re: My solar investment experience

Thank you for sharing, you have benefited a lot from that decision and your investment wasn’t bad at all.

Solar is on my to do list for our retirement home, and while we won’t have a ROI like yours, it is still viable for us once we save enough to put it up.

Thanks!
by 3504PIR
Mon Apr 29, 2019 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 232
Views: 28186

Re: 20 countries where 200K in retirement savings will last you decades

Some viable options in that slide deck. I’m not a big fan of slide articles so I only went to number 6, but the only location in 1-6 I haven’t been is Nicaragua. If push came to shove I could see pulling off something like this. Food for thought - I don’t think the majority of US citizens aged 60 o...
by 3504PIR
Mon Apr 29, 2019 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2483

Re: Buying a hail-damaged car?

Perhaps the friend can buy back the car from the insurance company as a salvage vehicle as part of the settlement. Instead of getting a check for $23K maybe she'll get $20K and get to keep the damaged car. You could still buy it from her for $23K then if you wish. Many insurance companies let you b...
by 3504PIR
Mon Apr 29, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a hail-damaged car?
Replies: 42
Views: 2483

Re: Buying a hail-damaged car?

I would not buy what is essentially a salvage title during the salvage process. I think your best bets are to a) contact her insurer and see if they are willing to sell it to you - I'd pay a lot less than $23,000 however. b) find out where it is being processed and get into their auction system (mak...
by 3504PIR
Mon Apr 29, 2019 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3695

Re: Daughter's First Job

Personally, I wouldn't live at home regardless of which job I chose. My - how times have changed since I was young! Back then, almost nobody wanted to "live at home" when they had a choice! Just a few folks who had (or were perceived to have) some kind of problem. It's absolutely a growing trend, a...
by 3504PIR
Sun Apr 28, 2019 1:31 am
Forum: Personal Investments
Topic: 40 years old and just trying to figure it out
Replies: 47
Views: 6926

Re: 40 years old and just trying to figure it out

I’d recommend using a budget for number 3 above and paying those budget items from your checking or main account. I don’t think continuing to use a credit card will help the process, it just adds to the balance of debt. The items, gas, food etc are largely known and should be in a budget. Cutting s...
by 3504PIR
Sat Apr 27, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter's First Job
Replies: 45
Views: 3695

Re: Daughter's First Job

Easy take the one that will give her the best chance of getting a better job in the future, i.e. make more money. Location and proximity to mom/ dad do not matter. Good luck. I agree. The second is a real job and the first is marking time. +2. I would be disappointed if my daughter didn’t take the ...