Search found 395 matches

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: 11699

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: 11098

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: 4141

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: 4141

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: 105
Views: 13566

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: 4535

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: 2845

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: 1200

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: 2091

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: 3724

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: 2229

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: 3445

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: 4776

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: 4614

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: 4614

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: 1748

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: 40955

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: 40955

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: 3828

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: 3229

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: 3229

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: 3229

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: 3828

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: 2577

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: 3093

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: 4302

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: 15542

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: 2870

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: 26946

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: 824
Views: 89316

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: 7297

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: 2149

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: 4844

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: 4158

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: 9053

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: 309
Views: 33703

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...
by Woodshark
Mon Nov 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Costco kitchen Cabinets and design service....
Replies: 13
Views: 4000

Re: Costco kitchen Cabinets and design service....

You have more options for cabinets than just the big box stores. There are specialty online cabinet suppliers that offer very nice pre-finished cabinets in stock sizes. Many offer design services also, often free. We recently finished our basement and installed a bar/kitchen area as part of the proc...
by Woodshark
Sun Nov 19, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Are expensive tires worth it?
Replies: 42
Views: 3453

Re: Are expensive tires worth it?

I don't know if expensive tires are worth it but I can attest that cheap tires are not. We have an old minivan that we use very occasionally to haul things like furniture or bagged mulch from Home Depot. We might put 2500 miles a year on it so the last time it needed tires I went with cheaper tires ...
by Woodshark
Fri Nov 17, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Under the sink water filter
Replies: 14
Views: 1264

Re: Under the sink water filter

Our city's water is "safe" but does not taste great. After several years of using a Brita pitcher for drinking water, I spent around $120 for a CuZn UC-200 Under Counter Water Filter. It should last 5 years. So easy to install and nothing to service. Just replace around the 5 year mark. Years ago we...
by Woodshark
Sat Nov 11, 2017 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: A penny saved is NOT a penny earned ..
Replies: 16
Views: 2679

Re: A penny saved is NOT a penny earned ..

White Coat Investor wrote:
Sat Nov 11, 2017 4:34 pm
That very point was made quite well years ago by Andrew Tobias in his best-selling The Only Investment Guide You'll Ever Need.
Over 20 years later I remember that book and that point very well.
by Woodshark
Thu Nov 02, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: New 2 comma member
Replies: 28
Views: 3252

Re: New 2 comma member

This is a nice milestone. It may not last out the year or it may be the first of many. Doesn't matter. Enjoy the moment. Life is all about goals and experiences so share a nice bottle of bubbly with someone special. Also, congratulations on reaching the two comma club!
by Woodshark
Tue Oct 31, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Lets take about the adjustment
Replies: 13
Views: 1908

Re: Lets take about the adjustment

Granted no one can predict, but it seems like afterward all the signs were there and it was fairly obvious. Whether its a bubble somewhere or something else, what indicators are you watching for the next adjustment? Is there even anything on the horizon? It's funny you should ask as I was thinking ...
by Woodshark
Sun Oct 29, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 19081

Re: What was the main reason you retired?

1 and 9 primarily. For everything there is a season. Earning is a means to an end. Do not make it the end. Same here. Had a job that I liked (worked for myself) but we had saved for decades and it was time for something new. Or as I like to call it Life 2.0 It's been two years and I don't miss work...
by Woodshark
Tue Oct 24, 2017 6:20 pm
Forum: Personal Consumer Issues
Topic: What service do you pay for that you could easily do yourself?
Replies: 57
Views: 5713

Re: What service do you pay for that you could easily do yourself?

painting... With the internet and youtube, there are so many projects that can be done by the homeowner. The problem is knowing just enough to think you can do something...but realize about half way through you had no business trying to do it yourself. Too funny! But too true... After watching some...
by Woodshark
Tue Oct 17, 2017 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: how long did it take to get used to retirement
Replies: 105
Views: 12756

Re: how long did it take to get used to retirement

I would add that one major hurdle for me has been getting used to living as an investor. We've been savers our whole lives and have more than enough to live on but I found there was still an adjustment needed. Before, we always had paychecks coming in and really didn't worry about how much we spent...
by Woodshark
Tue Oct 17, 2017 5:40 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 20129

Re: How does everyone keep track of your portfolio?

Since the majority of my $$ is with Vanguard I use their site. The have a nice feature where you can include outside investments in your account that are not under the Vanguard umbrella. It's simple and works well. Every so often I have to manually update the outside investments but it's not a big d...
by Woodshark
Tue Oct 17, 2017 5:26 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 6506

Re: The overselling of international diversification

I've read and followed with great interest the overriding question of how much to invest (from a USA prospective) in international. 0 to 10 percent sayeth Bogle and Buffett. "No, no, the US has peaked so 50 percent is the safest bet" says the maximum diversity folks. In an annual conversation with V...
by Woodshark
Fri Oct 13, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3685
Views: 1055710

Re: What Movie Have You Recently Watched?

abuss368 wrote:
Thu Oct 05, 2017 9:07 pm
We recently started "The West Wing" on Netflix. The pilot episode was very good.
What a great show. Great characters with crisp, rapid fire dialog. You are in for season seasons of great viewing.
by Woodshark
Fri Oct 13, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3685
Views: 1055710

Re: What Movie Have You Recently Watched?

Death in Paradise , available on Netflix. This is a BBC television series of 40 one-hour episodes, murder mysteries set in the British Virgin Islands and solved by a group of four police officers. We are about halfway through the series. This series is addictive, very good. We really enjoyed the fi...
by Woodshark
Tue Oct 03, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: Is a Roth conversion a good idea if you are in the 15% tax bracket?
Replies: 39
Views: 5008

Re: Is a Roth conversion a good idea if you are in the 15% tax bracket?

Woodshark, Would you mind explaining something? You seem to be oblivious to several poster's mentioning that for certain income ranges the 15% & 25% marginal tax rate on other-than-SS-income can effectively almost double once you are receiving Social Security. Is this just because you and wife will...