Search found 420 matches

by Woodshark
Mon Jan 07, 2019 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired, new to you, seeking a plan we can trust
Replies: 8
Views: 1542

Re: Newly retired, new to you, seeking a plan we can trust

You obviously have enough investments to meet your current goals. The points that I think you are making is that you would like to get away from your current higher cost advisors and possibly simplify your overall investment plan. Both Schwab and Vanguard both have wealth management services with fe...
by Woodshark
Sat Dec 29, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to calculate withdrawals for various decades of retirement
Replies: 10
Views: 577

Re: How to calculate withdrawals for various decades of retirement

Good question. Really good, but unfortunately no easy formulas to plug in and follow. Time is time. It does not wait, so travel when health and the markets say you can. Maybe withdraw 4% plus a heathy travel allowance during good years and cut back if we have a major correction. I'll admit it's a bi...
by Woodshark
Fri Dec 28, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9162

Re: Artemis Attack on the Bogleheads

Have I supposed to have heard of either Chris Cole or Artemis? Chris Cole is probably one of the smartest guys you will ever meet. In the immortal words of Lucy Van Pelt: "He never got his picture on a bubble gum card. Have you ever seen his picture on a bubble gum card? Hmmm? How can you say someo...
by Woodshark
Fri Dec 28, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey [“good growth mutual fund”]
Replies: 54
Views: 5198

Re: Dave Ramsey [“good growth mutual fund”]

I'm no fan of loaded funds but those charts posted above do seem to indicate that, at least for the last 20 years, the funds have done better than a standard S&P 500 fund while pretty much mirroring there volatility. I'm not jumping horses mid-stream but they do seem to have the special sauce. I won...
by Woodshark
Thu Dec 27, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: What is the oldest article of clothing you wear or have worn?
Replies: 12
Views: 726

Re: What is the oldest article of clothing you wear or have worn?

Probably not that uncommon but two items stick out to me. I have a pair of black leather dress shoes I purchased around 1982 that I still wear on occasion. They've been resoled a couple of times but otherwise look great. Another item is a terry cloth house robe that is easily over 33 years old. It n...
by Woodshark
Thu Dec 27, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9299

Re: What common everyday inconvenience have you intentionally suffered for frugality?

OK. My example fulfills the two criteria asked for. (A) A common everyday inconvenience (B) I'm intentionally suffering for frugalilty I like sleeping at a cooler temp, but hate getting out of bed in the morning in the cold. I would like to have a programable thermostat that automaticlly turns on th...
by Woodshark
Tue Dec 25, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 407
Views: 58161

Re: What NON frugal thing did you do today?

HEDGEFUNDIE wrote:
Tue Dec 25, 2018 1:19 am
Spent $1100 for professional family photography (gift to my parents)
As a retired professional photographer, I thank you.
by Woodshark
Sat Dec 22, 2018 6:16 pm
Forum: Investing - Theory, News & General
Topic: Bonds this year: a case for staying the course
Replies: 13
Views: 1510

Re: Bonds this year: a case for staying the course

During 2007, 2008 I was younger and 100% in stock funds. It was a mentally brutal lesson. I listened to those smarter than me and did not sell during the recession. Once the market returned I did gradually move some over to bonds. Now I'm in my late 50's and I'm so glad to now have 50% in bond funds.
by Woodshark
Tue Dec 18, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Non-budgeters: How do you handle large purchases?
Replies: 47
Views: 3542

Re: Non-budgeters: How do you handle large purchases?

OK, I'll admit I've not read all the responses but I'll give my 2 cents. Like others, we don't budget. In over 34 years together we just live frugally and have saved the rest. I'm a off and on detail person so occasionally I will track our spending over the course of a year to see what we are spendi...
by Woodshark
Tue Dec 18, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Bucket?
Replies: 143
Views: 15453

Re: Do Bogleheads Bucket?

I like the concept of "buckets" but it seems to be more of an vague idea without tested investment guidelines. I've never gotten definitive answers to questions like... Say you got two years of cash. Under what condition do you spend cash instead of selling a mix of stocks and bonds? Market down 10%...
by Woodshark
Mon Dec 17, 2018 6:06 pm
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 255
Views: 19502

Re: Favorite Purchase of 2018?

My SawStop table saw. Woodworking is one of my hobbys and this saw has a flesh sensing technology built it that pretty much prevents you from accidentaly injuring yourself. (Search SawStop on Youtube) It was expensive for a table saw but cheap if it ever prevents one trip to the ER. A close second w...
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: 662

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: 3517

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: 5570

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: 2079

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: 4274

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: 348
Views: 39331

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: 15215

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: 2605

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: 1205

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: 13341

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: 1847

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: 952

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: 6044

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: 6044

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: 12303

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: 11912

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: 98
Views: 8799

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: 98
Views: 8799

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: 18770

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: 4660

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: 2952

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: 1289

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: 2217

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: 4014

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: 2394

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: 3771

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: 5485

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: 5179

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: 5179

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: 1862

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: 42585

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: 42585

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: 4002

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: 4042

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: 4042

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: 4042

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: 4002

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: 2678

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: 3261

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...