Search found 156 matches

by cpumechanic
Fri Apr 16, 2021 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Spend down cash to bridge to social security?
Replies: 25
Views: 2676

Re: Spend down cash to bridge to social security?

Hello Please be sure you understand the ACA subsidies before you make your decisions. Having cash in the bank to live on from XX retire date to 65 medicare date ... allows you to take advantage of the ACA and get $20k or more in healthcare subsidies/year from our guberment. (government for those wit...
by cpumechanic
Wed Feb 17, 2021 10:28 am
Forum: Personal Consumer Issues
Topic: [Generators]/ supplemental power generation
Replies: 162
Views: 8770

Re: [Generators]/ supplemental power generation

Suggestions that work for me 1.0 Wood stove in Basement with 3 cords of split hardwood outside basement sliding door. 2.0 800 gallons of propane at 0.99 cents per gallon sitting awating use in tank in side yard. 3.0 Ability to transfer liquid propane to smaller tanks to use to power propane heaters,...
by cpumechanic
Mon May 11, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: Percentage of savings to "prepping"?
Replies: 132
Views: 9156

Re: Percentage of savings to "prepping"?

I purchased a larger generator large enough to start and run my well pump for a source of clean water. I purchased a kit to allow the generator to run on propane, which can be stored for a very long time. (Look at cell phone towers with large propane tanks at the base) I just installed a 1000 gallon...
by cpumechanic
Tue Apr 28, 2020 8:29 am
Forum: Personal Investments
Topic: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?
Replies: 7
Views: 788

Re: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?

You may want to look into CD's paying in the 2% range with some of your fixed income. A CD ladder to get you to 70 could make up for the 4000 per month(SS amount) pay out until you reach that age. Also, you need to look at https://opensocialsecurity.com/ and run the scenarios on SS claiming. It may...
by cpumechanic
Tue Apr 28, 2020 8:20 am
Forum: Personal Investments
Topic: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?
Replies: 7
Views: 788

Re: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?

Hello All Thanks to all those who replied.. and reading my long winded post. Writing stuff down about my thoughts helps calm me down.. Now if someone could just make this virus go away, and let me get on with my life.. I would like to do some things in the next couple of years beyond hiding in my ho...
by cpumechanic
Mon Apr 27, 2020 7:28 am
Forum: Personal Investments
Topic: 90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?
Replies: 7
Views: 788

90% Bond 401k is up 3.2% Year to date, AA 30-40% Stocks Am I still Stupid?

Hello All I have been reading all the posts about how bad "bonds" are in the current crazy world. Possible negative or zero interest rates coming soon. I have also seen the horror stories about how dangerous ETF funds are vs the base mutual fund. I see all the folks recommending 50, 60, 70...
by cpumechanic
Sat Apr 25, 2020 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 13494

Re: Moving out of NYC due to pandemic

I am not a Doctor but I relocated my family 2x times to avoid a dying factory, and to preserve a pension with a mega-corp. The pension was preserved (barely) and terminated for profit motives early so I currently receive a small portion (much less than 50%) of what it "could have been". No...
by cpumechanic
Wed Apr 22, 2020 8:05 am
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 80800

Re: Bogleheads community discussion - Coronavirus

Before anyone criticizes my post please realize that I fully realize that what I am posting is "anecdotal" . I spent Dec 27th to February 5th in Thailand on a long planned vacation. Around the Middle of January wife and I got concerned about the virus and I looked up the fact that 200K Chi...
by cpumechanic
Sun Mar 15, 2020 8:14 am
Forum: Investing - Theory, News & General
Topic: So what does shutting down the US economy for a few months look like?
Replies: 200
Views: 15464

Re: So what does shutting down the US economy for a few months look like?

So Pennsylvania has effectively shut down everything in the suburban counties surrounding Philadelphia including restaurants, bars, and the liquor stores. This last one blows my mind because all alcohol including beer in Pennsylvania must be purchased from the state. Governor Wolf’s new orders “par...
by cpumechanic
Sun Mar 08, 2020 12:25 pm
Forum: Personal Investments
Topic: Otar retirement calculator and new computer with no Excel
Replies: 13
Views: 869

Re: Otar retirement calculator and new computer with no Excel

Hello Go to ebay, search for Office 2019, you'll find that you can get a legal licensed copy for $10 or less. I don't understand why it is so inexpensive, but it has been like that for many years, and the install starts at the official MS WWW site, and then you enter the key you paid for. Done.. I j...
by cpumechanic
Sun Jan 05, 2020 1:51 am
Forum: Investing - Theory, News & General
Topic: Fidelity Full View recent improvements
Replies: 37
Views: 6029

Re: Fidelity Full View recent improvements

For what I use it for I definitely prefer Personal Capital over Fidelity's Full View. I'm not worried about anybody knowing my passwords and userid's since all of my accounts have 2FA. (I could post my Vanguard user-id and password on this board... good luck logging in with just that info.) I find ...
by cpumechanic
Thu Dec 19, 2019 9:10 pm
Forum: Investing - Theory, News & General
Topic: Money--There's a Super-Secret Conference Dedicated to Investing Legend Jack Bogle. Here's What It's Like on the Inside
Replies: 31
Views: 4407

Re: Money--There's a Super-Secret Conference Dedicated to Investing Legend Jack Bogle. Here's What It's Like on the Insi

Raymond I would not want to organize an event aimed at helping people that resulted in people getting physically hurt. While I am sure your comment was tongue in cheek...... and not meant to offend.... It was a little over the top..... I attended one conference in the Philly area a couple of years a...
by cpumechanic
Thu Dec 19, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Is any one uncomfortable with their wealth?
Replies: 152
Views: 12446

Re: Is any one uncomfortable with their wealth?

I’ve been to a bunch of Christmas parties recently where people are discussing their incredible stock market gains with statements like, “I won’t be able to spend all my money in my lifetime’, ‘I’m $1.5 million richer’. I too am blessedly in the same situation but am having a hard time for two reas...
by cpumechanic
Fri Dec 06, 2019 8:01 am
Forum: Investing - Theory, News & General
Topic: Investing in a post 1971 fiat money world
Replies: 38
Views: 3444

Re: Investing in a post 1971 fiat money world

lgs88 wrote: Tue Dec 03, 2019 10:46 pm I clicked on this topic expecting a discussion of investing in post-1971 Fiats, specifically Fiat 124 Sport Spiders -- one in each color, for diversification.

I was disappointed.
:sharebeer


Me like.. Fiat= Fix it again Tony.
by cpumechanic
Sun Nov 10, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Saving seats on Southwest
Replies: 210
Views: 12668

Re: Saving seats on Southwest

Just Flew SWA.. very nice airline with great fares, no change fees, and you get to check two bags for free. The seat pitch is also reasonable for people who are 6 feet tall. Free movies and Free TV and they served me a beer on the way home and did not charge for it. Great Airline. People saving seat...
by cpumechanic
Mon Nov 04, 2019 10:24 am
Forum: Personal Investments
Topic: How much money is really needed in retirement?
Replies: 74
Views: 11408

Re: How much money is really needed in retirement?

<<So how should a financially savvy Boglehead look at it? >> It should be based on expenses. Not on income. << every article referenced a multiple of your income (which by the way can change drastically over any given time period). >> Common sense is highly uncommon. Those articles could only fool ...
by cpumechanic
Sun Nov 03, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Car rental insurance experiences
Replies: 31
Views: 3372

Re: Car rental insurance experiences

Hello I have used the Amex $25/rental insurance that claims to act as primary insurance in case of any issue. On my last trip I used my Chase Ink card that provides primary insurance coverage for "free". I have yet to make use of either, and yes.. taking a video of the car when you depart,...
by cpumechanic
Tue Oct 29, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Wireless exterior video camera
Replies: 20
Views: 2301

Re: Wireless exterior video camera

Wyse cameras are $25 each. They recently upgraded firmware to include a "person sensor and alarm" Based on my experience this feature works reasonably well. Without the feature you get endless multiple alarms for rain, blowing leaves, moving tree branches , snow, and bugs and shifting shad...
by cpumechanic
Sat Oct 26, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Spray on mold remover, for vinyl house siding?
Replies: 22
Views: 1981

Re: Spray on mold remover, for vinyl house siding?

Here's a guy in FLA using a backpack pump up sprayer to clean siding. We followed his recipe mixing water, bleach and dawn dish detergent and cleaned old grey mold off stucco on a house in Mississippi this summer. Some areas needed a second application, but it worked quite well, just spray it on, wa...
by cpumechanic
Sat Oct 26, 2019 12:19 pm
Forum: Personal Consumer Issues
Topic: idiot networking [Need more ethernet ports, replace cable modem?]
Replies: 38
Views: 3729

Re: idiot networking

Not exactly on topic, but I am using a nearly 10 year old Lenovo thinkpad laptop to surf the net. I installed a $75 SSD drive and free Ubuntu linux software and all features of the laptop work just fine, including the embedded light that acts as a perfect keyboard illuminating device when needed. It...
by cpumechanic
Thu Oct 24, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Cash Back Bonuses - Race to $10k
Replies: 28
Views: 5881

Re: Cash Back Bonuses - Race to $10k

I am approaching $1000 in free gas this year.
I will also hit $2K in CC cash back so.... but that's the extent of it.
$10K in 12 months will be tough, but good luck to all

CPU
by cpumechanic
Sun Oct 20, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Air Italy WWW site and booked ticket problems
Replies: 5
Views: 695

Re: Air Italy WWW site and booked ticket problems

Just posting a followup, now that the trip is complete. The flight from Turin was about 1 hour late in departure, but all else was fine. Free checked bags arrived and so did we. The flight from Sardinia to Rome was on time, and zero issues. So overall except for the goofy www site designed by teenag...
by cpumechanic
Sat Oct 19, 2019 8:34 am
Forum: Personal Finance (Not Investing)
Topic: I bought a STOLEN vehicle!!!
Replies: 106
Views: 16718

Re: I bought a STOLEN vehicle!!!

Regarding VINs, on my current vehicle it is easily visible through the windshield and on the frame of the car where the driver’s door fits. I also have a recollection that it is engraved/mounted somewhere on the engine. Is there any where else it should be checked? Cars usually have the VIN scatter...
by cpumechanic
Sun Sep 15, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: I hesitate to post this (the sky is falling again on BND) but...
Replies: 28
Views: 4624

Re: I hesitate to post this (the sky is falling again on BND) but...

All Thanks for the replies, most helpful, some not so much.. and yes I understand Click-bait, as used on the WWW and Youtube. I was just surprised at how negative the article was, but I guess that's why I read it... and no.. i don't plan on taking any action as a result of that article, I have seen ...
by cpumechanic
Sun Sep 15, 2019 6:33 am
Forum: Investing - Theory, News & General
Topic: I hesitate to post this (the sky is falling again on BND) but...
Replies: 28
Views: 4624

I hesitate to post this (the sky is falling again on BND) but...

I read this article.. I fully recall/agree that interest rates of 15% did occur, and of course as a boglehead , I don't predict the future. Just wondering if anyone has comments pro or con on this, as I am retired and pretty conservative with my current AA. 35% Stock, 65% Bond.. mostly BND, but some...
by cpumechanic
Sun Sep 15, 2019 6:26 am
Forum: Personal Finance (Not Investing)
Topic: 2017 ACA subsidies not available if elgible for Cobra?
Replies: 17
Views: 5480

Re: 2017 ACA subsidies not available if elgible for Cobra?

Sorry for the delay in a reply.. I don't usually review the notifications Icon when I log in. So.. to reply, I cancelled my 11 months of Cobra, after layoff... and applied to the ACA, and paid about $550 month for similar coverage (after subsidy of course). The tax situation and filing for the follo...
by cpumechanic
Mon Aug 19, 2019 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Does it matter what type of college one goes to?
Replies: 278
Views: 29169

Re: Does it matter what type of college one goes to?

I have degrees from a "name brand" (HPYMS) school and 2 state schools, including a large Midwest flagship school. IMO, it doesn't matter. It's much more about the student's motivation and ambition. Cream rises. After you get your first job, no one cares where you went to school. I would e...
by cpumechanic
Sat Aug 10, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Air Italy WWW site and booked ticket problems
Replies: 5
Views: 695

Re: Air Italy WWW site and booked ticket problems

Update/Success Looking at contacts on the WWW site, I found that they have both an email address to try for customer issues, and a phone number on the whatsapp that they use for travelers in distress, or for "last minute" issues. I tried both, and initial reply on whatsapp (after about 20 ...
by cpumechanic
Thu Aug 08, 2019 9:38 am
Forum: Personal Consumer Issues
Topic: Air Italy WWW site and booked ticket problems
Replies: 5
Views: 695

Air Italy WWW site and booked ticket problems

All Currently on hold for someone in "Italy" to modify the names on two one way tickets I paid for on the WWW site about two hours ago. US based 866 number cannot help, but they suggest you call back and based on caller ID they will transfer call to Italy. Call 1 < Please call back we will...
by cpumechanic
Sun Jul 07, 2019 9:08 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 8036

Re: John Bogle says investors don't need to own international stocks​

My stocks are US only, mostly SP500 index at Vanguard or Fido with the very low yearly fees. My recollection of his comments at the bogleheads convention I attended a few years ago is that that if you look at US companies, a significant portion of the income they receive is from outside the US. So i...
by cpumechanic
Thu May 09, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 67
Views: 8413

Re: Cell Phone Plan/Carrier Recommendation?

I have used Redpocket for the last 20 months , unlimited talk, text, and 5gb of ATT LTE data for $20/month is hard to beat. Downside, is you have to pay for full year in advance. If you want/need 10gb/month they have a second option that is $33/month. Ebay links below 5gb/month (ATT LTE) https://www...
by cpumechanic
Wed May 08, 2019 7:05 am
Forum: Personal Consumer Issues
Topic: Goodman HVAC System
Replies: 21
Views: 2491

Re: Goodman HVAC System

Given you situation , I would look here and purchase the unit, then use local contacts to find a reputable contractor, or employee who is willing to work with you to install the unit. I purchased a Rheem heat pump from them several years ago, and did the prep work myself (removed the air handler fro...
by cpumechanic
Sun Apr 28, 2019 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Getting Spouse On Board With Saving
Replies: 41
Views: 4479

Re: Getting Spouse On Board With Saving

I feel for you. One of my relatives married a person who is a spender as well. When he was terminated from his job at Mega Corp, and got a large severance package, wife handed him a credit card statement with $40,000 outstanding, indicating it needed to be paid. Explanation was "he did not give...
by cpumechanic
Mon Apr 22, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Washing machine advice needed
Replies: 6
Views: 808

Re: Washing machine advice needed

Hello GE sold off the appliance business years ago.. the prior advise to check consumer reports, or just do a google search on the model you are considering to see what others are saying about it. https://www.cnet.com/news/its-official-ge-appliances-belongs-to-haier/ I looked and it appears that the...
by cpumechanic
Sun Apr 21, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: Re-Examining an assumption: 45% bonds in retirement?
Replies: 95
Views: 12825

Re: Re-Examining an assumption: 45% bonds in retirement?

Hello My simplistic view of AA is how much can I lose in a stock market crash, and still sleep well at night. For my case.. case 30% stocks, and 70% bonds, was the number.. but as the market keeps going up and up.. and we all celebrate...I am not worrying when the stock portion of my AA increases to...
by cpumechanic
Sun Apr 07, 2019 8:42 am
Forum: Personal Investments
Topic: Hit your number, retire and boom a correction?
Replies: 67
Views: 9033

Re: Hit your number, retire and boom a correction?

Can someone clarify for me what sources of income should be used for the 25x calculation? I am 63 my current yearly spend is ~6000*12=$72000/year. That includes a $1000/month 3% fixed mortgage that I could pay off, but I have bonds earning >3% so I can't justify paying that mortgage off. I find that...
by cpumechanic
Wed Apr 03, 2019 4:02 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Full View?
Replies: 65
Views: 19153

Re: Fidelity Full View?

All I use full view to manage asset allocation in one place. Yes.. you do have issues with updates from remote sites, and my main checking account disappeared for 2 months when they installed a more complex account access/ login method to improve security. I contacted Fido.. and within a few weeks t...
by cpumechanic
Tue Mar 19, 2019 4:29 pm
Forum: Personal Investments
Topic: TreasuryDirect - Don't let your survivor lose assets
Replies: 53
Views: 6524

Re: TreasuryDirect - Don't let your survivor lose assets

I admit to some angst about the TreasuryDirect site, but at least it has stopped insisting that I need a one-time password every time I log in. All of the savings bonds I've bought are showing: Registration: Myname MySSN WITH Hername HerSSN Rights: Transact Grantee: Hername Bank info: OurJointCheck...
by cpumechanic
Sun Mar 17, 2019 4:16 pm
Forum: Personal Consumer Issues
Topic: Best app to listen to music?
Replies: 13
Views: 1428

Re: Best app to listen to music?

Tune in radio, with Iheart radio works very well for zero cost. Tune in radio is very good at re-connecting when you are driving and lose the cell signal. Tune in Radio has many many radio stations to listen to.... and if you select the right one.. it has no commercials.... or very few. If the sourc...
by cpumechanic
Sun Mar 17, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: Buying a Roadtrek
Replies: 27
Views: 4460

Re: Buying a Roadtrek

I have a Winnebago View. I highly recommend looking at something larger than the Roadtrek, for two people, and two large dogs. My unit is 13 years old, and I have owned it for 3 years, purchased with 23K mileage, now have 50K miles, it has been flawless. The winnebago view/navion line is based on th...
by cpumechanic
Sun Mar 17, 2019 8:45 am
Forum: Personal Consumer Issues
Topic: What's Your Opinion on Nest Thermostats
Replies: 62
Views: 6760

Re: What's Your Opinion on Nest Thermostats

I have had a Nest for the last few years, it was a gift, I am too cheap to pay for it. Things I like about it. When wife and I leave house for a few days, I can have a temp in house that saves energy, but when driving home, I can modify temp prior to arrival so that house is comfortable when we arri...
by cpumechanic
Sun Feb 17, 2019 4:48 pm
Forum: Non-US Investing
Topic: European, dutch investor here: Is investing in VTI and VXUS still a good choice?
Replies: 43
Views: 8048

Re: European, dutch investor here: Is investing in VTI and VXUS still a good choice?

What I had not properly understood is that this is a way to take delivery. Assuming tax issues work this is quite clever. To actually get the physical. In the Netherlands the net wealth (assets-liabilities) is taxed at a fixed 1.2% rate for totals above €21,330 (above €42,660 for a couple). So it d...
by cpumechanic
Sun Feb 17, 2019 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Being content with your finances
Replies: 106
Views: 9384

Re: Being content with your finances

So I find myself always searching how to make more and not being content with current income. How do bogleheads find satisfaction with their income. This is a really good post on Mr. Money Mustache. I should read it more often: http://www.mrmoneymustache.com/2011/10/02/what-is-stoicism-and-how-can-...
by cpumechanic
Sat Feb 16, 2019 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help with difficult work situation
Replies: 48
Views: 4065

Re: Help with difficult work situation

The last 15 years I worked, I had 6 or 7 or maybe 8 (I lost count) different managers. I was told that one of the managers put my name on the layoff list.. was told to find someone else to layoff, but re-submitted my name to the VP for layoff. The VP then put HIS name on the layoff list and he was l...
by cpumechanic
Fri Feb 15, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: How to live well in retirement below the poverty line (not pay taxes)
Replies: 48
Views: 7023

Re: How to live well in retirement below the poverty line (not pay taxes)

1.0 Identify how many dollars per year you need to live comfortably. 1.1 Include trips and entertainment in that amount 2.0 Understand the ACA and income impact on your ACA subsidy. (I got $35K subsidy last year for Health Insurance), that's a lot of subsidy $ to enjoy and reduce stress about health...
by cpumechanic
Thu Feb 14, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 38
Views: 2512

Re: One week family vacation in Miami/Fort Lauderdale Area

Check VRBO.COM and Flipkey.com for your dates.. I usually rent only locations that have several prior positive feedback reviews. You may find a nice place in a better location for less money. If you family enjoy's fishing, investigate going out on a drift fishing boat about 1 hour north in Jupiter F...
by cpumechanic
Thu Feb 14, 2019 2:12 pm
Forum: Personal Consumer Issues
Topic: What's up with my snowblower?
Replies: 24
Views: 1649

Re: What's up with my snowblower?

1.0 Remove spark plug. 2.0 Pull starter rope, or spin motor over with starter. (Stand back, it may spray oil out of the spark plug hole). 3.0 If you see fluid (most likely oil) spraying from the spark plug hole, you likely added too much oil to the engine. 3.1 If you see fluid spraying keep cranking...
by cpumechanic
Tue Feb 12, 2019 9:09 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7500

Re: Benefits of Fidelity vs Vanguard

I have funds at both Vanguard and Fidelity. One thing I like about Fidelity is the "full view" feature that allows you to see all your accounts in one place and updates real time. I use this to keep track of all my other accounts, and my credit card spending. It also does a nice Asset Allo...
by cpumechanic
Sun Feb 10, 2019 10:27 am
Forum: Personal Finance (Not Investing)
Topic: 2 years in community college, then transfer? need opinion please
Replies: 118
Views: 6991

Re: 2 years in community college, then transfer? need opinion please

And no one cares if you went to CC. It is were you get your BS degree that matters. Bingo. +5 Where did you go to school, the one you graduated from is the ONLY ONE that matters. CC is a Great cost saving option and an opportunity for a person to grow up a little and get good grades with less compe...
by cpumechanic
Thu Jan 24, 2019 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Auto insurance check issued, cashed then cancelled?
Replies: 14
Views: 1082

Re: Auto insurance check issued, cashed then cancelled?

Hello All Thanks again for all the replies.. I am no insurance expert.... and I will go ahead and contact my insurance company a second time asking them to see if they can convince the other carrier to pay. Of course when I inquired with the other carrier about the check issue, they insisted that th...