Search found 409 matches

by Woodshark
Sat Dec 08, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Question on Variable Percentage Withdrawal (VPW) Method
Replies: 3
Views: 627

Re: Question on Variable Percentage Withdrawal (VPW) Method

Linginvest,

I've never taken the time to explore the VPW method before, thinking it was probably too complicated. Thank you for your detailed explanation. It is now something I will look further into.
by Woodshark
Fri Nov 30, 2018 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3427

Re: Ally CC Offer

You can get 2% back on several cards but the $100 bonus after spending only $500 sounds like a great deal to me as long as there is no annual fee.
by Woodshark
Sat Nov 24, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5478

Re: What’s your “barometer” for luxury purchases?

I buy nice stuff when I think I'll enjoy using it. I retired in 2012 and buy my daily use/fishing/yardwork pants at Tractor Supply. They're light canvas and when they're on sale they're marked down from $14.99 to $11.99. I'm cheap at heart. Blue Mountain! I've got a closet full of more expensive pa...
by Woodshark
Sat Nov 24, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Denied credit card opening
Replies: 25
Views: 2042

Re: Denied credit card opening

Watch out if you share cards. It's been over 24 months since my wife had a Chase card so we re-applied. She has great credit and has not opened a card for years yet she was denied. It took some effort but we finally got a customer service person on the phone. She said my wife was denied because she ...
by Woodshark
Wed Nov 21, 2018 6:36 pm
Forum: Investing - Theory, News & General
Topic: What financial advice have you been most grateful for?
Replies: 50
Views: 4226

Re: What financial advice have you been most grateful for?

I think I was awakened to the possibility of retiring well, even with a modest income, by a book I read back in the 80's called "The Wealthy Barber" The one key thing that I remember was "pay yourself first and then live off the rest" . Basically invest the first 10-15% of your income for retirement...
by Woodshark
Wed Nov 21, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 38016

Re: Anyone tired of the stock market going up?

About a month ago I was feeling that the market was getting a little "frothy". Things were so good that I was nervous and thinking about taking some chips off the table in my AA of 60:40. I'm close to 60 years old so I was seriously considering a change to 50:50. Not too drastic but it would help me...
by Woodshark
Mon Nov 19, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15062

Re: Black Friday 2018

I still do the early morning BF thing but only to Home Depot and maybe one other store. For the past several years one of Home Depot's best BF deals has been on poinsettias. They're only $1 each, with a limit of 6 to 12 depending. I always buy the max and then place them on the front porches of loca...
by Woodshark
Sat Nov 17, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 14
Views: 2582

Re: Toyota Dealer Lost My New Car's Key

Of things to worry about this would be way down on my list. The car is in your town, the missing key is in another. What are the odds of (A) someone finding the key. (B) That person finding the key being a criminal and (C) The criminal somehow having the thought of and the ability to, track this sin...
by Woodshark
Mon Nov 12, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1191

Re: Prepaying for Rental Car - Availability Guaranteed?

If your class of car is not available, you don't always get an upgrade. We've recently returned from Italy. I had reserved a midsized car from Hertz in advance. The pickup location was not at an airport but in downtown Trieste. After we found the rental location (hidden in an industrial parking area...
by Woodshark
Sat Nov 10, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 66
Views: 13127

Re: Worth fixing a 30-year-old Maytag dryer?

FYI, I think the decision has been made since the original post is years old.
by Woodshark
Mon Nov 05, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Buying a mini-van
Replies: 25
Views: 1838

Re: Buying a mini-van

I would have lost that bet. It was in April of 1997. There I was, only 37 years old. Standing in the lot at CARMAX looking at buying something needed. Needed but definitely not wanted. Not a vehicle that screams down the highway but one that clogs the parking lot of local farmers markets. Not a vehi...
by Woodshark
Thu Nov 01, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Paralysis by analysis
Replies: 4
Views: 933

Re: Paralysis by analysis

I can't give you specific advice but remember the saying "Perfect is the enemy of good". You generally do more damage trying to chase the perfect porfolio that include the current "Perfect funds" than if you just choose a classic three fund portfolio with an asset allowcation that works for you and ...
by Woodshark
Thu Oct 11, 2018 5:27 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6008

Re: What the heck is growing in my yard?

You might want to leave it alone for awhile and let the mushrooms die back naturally. That way the plant believes it has "done it's job" in the reproduction cycle and therefore will not be as likly to try to regrow the above ground mushrooms any time soon.
by Woodshark
Wed Oct 10, 2018 2:50 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6008

Re: What the heck is growing in my yard?

The mushrooms we see above ground are just the flower heads of the plant that lives underground. Like others have said, you most likely have a dead tree or stump buried in that area. Once it's depleted, you probably will never see the mushrooms in that spot again.
by Woodshark
Wed Aug 29, 2018 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 12202

Re: How do you 7 figure guys organize multiple accounts?

I have all my assets listed in my Vanguard account. You can add "outside" investments that are not under the Vanguard umbrella. If it's trackable by a market symbol (stock ticker or fund abbriviation) it updates automatically. What it won't do is log into other financial institutions (banks, Schwab,...
by Woodshark
Tue Aug 28, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11839

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

This Time It's Different: Often said as a warning with a wink and a nod but sometimes opined by someone who truly believes that history will change it's mind and not repeat itself. According to Sir John Templeton, they are the four most expensive words in the English lauguage asnvestors tend to make...
by Woodshark
Tue Aug 28, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4348

Re: Shingrix [Vaccine availability]

HueyLD wrote:
Mon Aug 27, 2018 5:41 pm
Does one have to be at least 65 to get the insurance to pay for this vaccine?
Not always. I'm 57 and my wife is 53. Blue Cross/Blue Shield covered ours at 100% as it is preventative.
by Woodshark
Mon Aug 27, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4348

Re: Shingrix [Vaccine availability]

We wanted to get the 1st Shingrix vaccination but like others, we had a hard time finding it locally. After several days of searching I got the idea to check outside of our area. I called an in-store pharmacy (Publix) in a small college town 30 minutes away. They had plenty of it and told me to come...
by Woodshark
Sat Aug 18, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 137
Views: 18535

Re: Teachers Who Have Net Worth of $1 million +

It's very possible. My wife is a retired school teacher and I'm retired from a small business I owned as a Sub S corp. Her starting salary was under 25K and after 30 years, she never made over 65K. My business averaged me about the same as some years were great and others not. We retired in our 50's...
by Woodshark
Tue Jul 24, 2018 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need more excitement
Replies: 48
Views: 4637

Re: Need more excitement

After decades of multiple investing errors, I find the market as a whole exciting enough for me. However there is a school of thought that, if you crave excitement, then you should set aside not more than 5% of your liquid investments to "play" with. Put it in a totally different brokerage account a...
by Woodshark
Tue Jun 26, 2018 8:37 pm
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2934

Re: Cheap simple tablets?

Not getting a lot of love here but I also recommend a basic Chromebook. I bought one at the last minute two years ago for a trip to Europe. Didn't know if I would like it or not. Found out I loved it. Light enough to travel with, perfect for web surfing and cheap enough to not worry about. Now, when...
by Woodshark
Thu Jun 21, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?
Replies: 14
Views: 1280

Re: Heat strips in heat pump miswired and on all the time - how much extra electricity cost?

Yes, having the heat strips on all the time could definitely increase her electric bill wildly. A heat pump tranfers heat efficiently but the heat strips create heat so they use much, much more energy. They are there and should only come on when the heat pump cannot supply enough heat or has failed,...
by Woodshark
Tue Jun 19, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Italy Trip Questions
Replies: 33
Views: 2183

Re: Italy Trip Questions

We've been to Italy several times and are going back in Sept. We like Venice and Rome but, due to the crowds, I have no plans on staying in Florence again. For your Tuscany experience I would recommend staying in one of the Agriturismos. "Cretaiole" is our favorite but they require a week's stay. Do...
by Woodshark
Tue May 08, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3944

Re: Do I need to unfreeze my credit before applying for a new card?

Most of the time the credit card company will tell you the single credit reporting agency you are required to unfreeze. Last month I applied for a new CapitolOne card. They required that I unfreeze all three. I argued with them about having to go to all the trouble, as I have my credit score is arou...
by Woodshark
Mon Apr 23, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Traveling to italy.........
Replies: 19
Views: 2368

Re: Traveling to italy.........

Get out to travel as early in the day as possible and be prepared for overwhelming hordes of tourists in and around both Rome and Cinque Terre. This. We loved sleepy Cinque Terre on our honeymoon in 1990. We liked it in 1994 when we went back. In 2016 we returned again as part of our first major tr...
by Woodshark
Wed Apr 18, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: Do you use Yahoo? New Privacy Terms
Replies: 32
Views: 3695

Re: Do you use Yahoo? New Privacy Terms

I've gotten the the alert also. Seems the new company wants carte blanch to use information in our email,etc., and an agreement not to sue them.
by Woodshark
Mon Apr 16, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Costco Free Screenings
Replies: 22
Views: 5290

Re: Costco Screenings

Since you found it, I have no doubt that it exists but I have never seen or heard of this membership benefit before.
by Woodshark
Mon Apr 16, 2018 4:27 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 5046

Re: Is it necessary to replace brake fluid on a car every 3 years?

Over the course of time, I did notice that it was getting harder and harder to stop but, it being a lightly and seldom used vechicle, I ignored it. ...I was shocked to see that the old brake fluid was the color of Coca-Cola . One hour and a large bottle of new fluid. Problem solved. Could you see t...
by Woodshark
Sun Apr 15, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Is it necessary to replace brake fluid on a car every 3 years?
Replies: 56
Views: 5046

Re: Is it necessary to replace brake fluid on a car every 3 years?

Yes, old fluid can make your brakes fail to operate correctly. Voice of experience here. I'm slightly ashamed to admit this but I had a minivan for over 10 years and that I never changed the brake fluid. I do most of our car maintenance but I honestly had never heard of needing to replace brake fuil...
by Woodshark
Wed Apr 11, 2018 4:53 pm
Forum: Personal Consumer Issues
Topic: Mini Air Compressor
Replies: 22
Views: 1842

Re: Mini Air Compressor

If you are only using it occasionally to blow off leaves or inflate things then almost any compressor will work OK. I would second the recommendation for a simple pancake compressor. I had one made my Porter-Cable and it served me well for years. You can still buy them or simular models at Home Depo...
by Woodshark
Wed Apr 11, 2018 4:41 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42365

Re: Name something you bought that wasn't cheap and glad you did

A Sawstop table saw. I have twenty digits and I'm very attached to them. I'm retired, I've been around and seen a lot of stuff go down, and that's what the money's for. I agree. Buying one next week to get the free mobile base. I've still got all my digits but I'm buying it as (I think) my last tab...
by Woodshark
Tue Apr 10, 2018 4:46 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42365

Re: Name something you bought that wasn't cheap and glad you did

Today the birds are singing, the water is clear and the sky is blue. Lakehouse for sure. Retired here three years ago. Sunk another 100K into it since then and don't regret a single penny.
by Woodshark
Mon Apr 09, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3969

Re: Health club memberships

I agree. My wife tried to get the one time $100 per year just few weeks later. It was no longer being offered, but they did offer the $10 per month option. It also required the $40 annual service fee, so she passed. That $40 annual service fee seems a little sneaky to me also. Been using Planet Fitn...
by Woodshark
Sun Apr 08, 2018 6:08 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 3855

Re: Are my posts missing or being deleted?

Thank you LadyGeek. Good hints to know.
by Woodshark
Sun Apr 08, 2018 2:56 pm
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 3855

Re: Are my posts missing or being deleted?

Thank you for the responses. I was thinking that I'd seen my posts correctly placed into the thread but fail to be there later. As most of my web viewing is done in the evening, it is possible that I'm missing any 2nd Submit screen. If this has happened to you, then you know the mild frustration of ...
by Woodshark
Sun Apr 08, 2018 9:26 am
Forum: Forum Issues and Administration
Topic: Are my posts missing or being deleted?
Replies: 17
Views: 3855

Are my posts missing or being deleted?

I'm writing to voice my concern that I'm noticing with some regularity that my responses in posts/topics are disappearing. I always try to be brief, courteous and remain of topic so it is with some confusion to find my posts are possibly being screened and removed. If I am being censored, would some...
by Woodshark
Wed Apr 04, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Health club memberships
Replies: 34
Views: 3969

Re: Health club memberships

Been using Planet Fitness for several months now. Got the cheapest possible. $10/month with one club, no contract + small annual fee. Close to the house. Planet fitness here also. Got in on a end of the year sale. $100 for 12 months. One location only but that's OK with me since I don't work out wh...
by Woodshark
Mon Apr 02, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Replacing a deck
Replies: 14
Views: 2665

Re: Replacing a deck

Without seeing it, it sounds like a footing problem. Should be relatively easy to get someone to jack up the deck and fix the footings. It's going to have to be corrected at some point and I would think this would be much cheaper than building a whole new deck.
by Woodshark
Sun Mar 18, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 3242

Re: Soft boxer shorts for men

Hanes from Walmart...a BIG no on comfort. I bought about 8 pair around 18 months ago. They were a size larger than I normally wear, hoping for comfort, but the elastic waistband was still way, way too tight. I mean, if I wore them for over 4 hours, I could read "HANES"-----HANES------HANES.... impri...
by Woodshark
Fri Mar 16, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 48
Views: 4538

Re: What is your favorite reasonably priced Rum?

My hands down favorite sipping rum that you can buy in the states is Zaya. It runs about $30-$40 a bottle. Everyone has their own idea of reasonably priced so I'll also add Pyrat rum. It's a smooth rum with a nice nose. Less than $25 a bottle. I sampled some Flor de Caña dark rum (not sure of the ag...
by Woodshark
Thu Mar 15, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15938

Re: Large life style creep that was completely worth it

Our LSC was a lake lot. Purchased about 13 years ago. We looked for a good deal on a great lot for about a year and finally found it. Our plan was to sit on it and wait till we retired to build. That lasted two months. We convinced ourselves to go ahead a build a weekend place and enjoy it now, and ...
by Woodshark
Sat Feb 10, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody hit their rebalance bands?
Replies: 27
Views: 2972

Re: Anybody hit their rebalance bands?

Mine were getting close and I was about to rebalance but the market did it for me.
by Woodshark
Tue Feb 06, 2018 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Torn between Vanguard, Fidelity and Schwab
Replies: 182
Views: 30455

Re: Torn between Vanguard, Fidelity and Schwab

In the past few decades I've had accounts with Schwab, Fidelity, T. Rowe Price and Vanguard. All have been OK but over the years we've consolidated down. Most of our assets are now with Vanguard as they were the clear winner about 12 years ago when we made some major changes. I thought they were gre...
by Woodshark
Fri Feb 02, 2018 8:53 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 982
Views: 105643

Re: Netflix, Your Current Favorite Show

We binge watched "The Crown" and loved it. Wish there were more. We trying watching Ozarks (actually filmed just north of Atlanta) but found we just didn't care for any of the characters.
by Woodshark
Wed Jan 24, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7894

Re: Your bond allocation when you were 48

At 48, I was still in the the dark about asset allocation. I was all in stocks.
"Bonds, who uses bonds?"

The US bear market of 2007–2009 taught me a lesson. Now I'm older and a tad bit wiser.(I hope)
by Woodshark
Sun Dec 24, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Photos dark because of sunlight..what free software to enhance
Replies: 27
Views: 2225

Re: Photos dark because of sunlight..what free software to enhane

If it's only a couple of prints, I recommend having them professionally scanned, or find a friend with a good flat bed scanner. Most of the decent to good scanners have adjustment software built in that will allow you to make corrections to set levels and bring back some of the details. When all els...
by Woodshark
Sat Dec 23, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: The extended bull market
Replies: 53
Views: 4964

Re: The extended bull market

sambb wrote:
Sat Dec 23, 2017 8:20 am
im considering taking some profits off the table and rebalancing to a lower stock allocation by ~5%-10%
Since we have reached and exceeded or number, I am considering doing the same.
by Woodshark
Sat Dec 23, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: "The Most Important Investment Decision You'll Ever Make"
Replies: 16
Views: 4229

Re: "The Most Important Investment Decision You'll Ever Make"

NYCguy wrote:
Sat Dec 23, 2017 5:11 pm
Your spouse.
This is the first thing I thought when I read the subject line.
by Woodshark
Tue Dec 05, 2017 6:22 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9287

Re: Dad Needs Help Buying Wedding Liquor

For vodka, "Grey Goose" is a known quality brand but I would recommend "Tito's" as it costs less, rates better in taste tests, is widely available, has a craft liquor vibe and is made in/near Austin TX. With rum, most people will be enjoying this spirt in some sort of mixed drink. I would recommend ...
by Woodshark
Thu Nov 30, 2017 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 38016

Re: Anyone tired of the stock market going up?

Over my investing lifetime, I can expect that sometimes the market will be going up and sometimes it will be going down. Sometimes it will do this sharply over days or weeks, sometimes it will happen gradually over months or years. Sometimes it will be bonds doing much better, sometimes domestic eq...