Search found 2587 matches

by squirm
Mon May 11, 2020 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 388001

Re: Share your net worth progression

In your opinion, what would be the 'average' progression for a comfortable retirement at 62 for majority of folks in the US? Here's somewhat of a random guess: Age - Net Worth 20 - $50k 30 - $200k 40 - $500k 50 - $1.0m 60 - $1.5m 65 - $2.0m Most folks have nothing even close to $2M. The biggest net...
by squirm
Mon May 11, 2020 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 388001

Re: Share your net worth progression

In your opinion, what would be the 'average' progression for a comfortable retirement at 62 for majority of folks in the US? Here's somewhat of a random guess: Age - Net Worth 20 - $50k 30 - $200k 40 - $500k 50 - $1.0m 60 - $1.5m 65 - $2.0m Most folks have nothing even close to $2M. The biggest net...
by squirm
Mon May 11, 2020 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 1484
Views: 388001

Re: Share your net worth progression

Funny how you ask what the npv of a pension is, and you're constantly told all that matters is income, not net worth. Now this thread basically implies the opposite.
by squirm
Fri May 08, 2020 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Question on "Your Taxed Social Security Earnings"
Replies: 6
Views: 434

Re: Question on "Your Taxed Social Security Earnings"

thanks all, i found it, it is accurate. thanks again.
by squirm
Fri May 08, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Question on "Your Taxed Social Security Earnings"
Replies: 6
Views: 434

Re: Question on "Your Taxed Social Security Earnings"

What were you doing at the time? How do you know it is inaccurate? If you were employed in a public service job that had its own qualifying retirement plan, you could have been exempt from social security taxes but required to pay Medicare taxes. I was working part time at the local government. But...
by squirm
Fri May 08, 2020 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question on "Your Taxed Social Security Earnings"
Replies: 6
Views: 434

Re: Question on "Your Taxed Social Security Earnings"

To double check, have your SS statements always shown a 0 and you just noticed it? Another way of reading what you wrote is that last year's SS statement showed non-0 and for some reason it changed this year. Two different kinds of problems, but anyway... No W-2 or tax return from 1993 is too bad :...
by squirm
Fri May 08, 2020 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Question on "Your Taxed Social Security Earnings"
Replies: 6
Views: 434

Question on "Your Taxed Social Security Earnings"

I was looking at my social security statement. In 1993 under the column "Your Taxed Social Security Earnings", it says "0" but under "Your Taxed Medicare Earnings" it says "$14,430". So I'm not sure what happened back then, is there anyway to fix that, or what can I do? I think this would impact soc...
by squirm
Mon Apr 27, 2020 7:01 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5662

Re: Toyota vs. Kia Quality & Longevity

The resale value tells you everything. Just go with that, forget all the noise. Resale value tells you what used car customers tend to think. As shown on this thread lot of people in the US market still *think* Toyota is way ahead of Kia on reliability/durability. But that's pretty questionable. Mi...
by squirm
Mon Apr 27, 2020 2:11 pm
Forum: Personal Consumer Issues
Topic: Toyota vs. Kia Quality & Longevity
Replies: 82
Views: 5662

Re: Toyota vs. Kia Quality & Longevity

The resale value tells you everything. Just go with that, forget all the noise.
by squirm
Sun Apr 26, 2020 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Another 15 vs. 30 year mortgage toss up
Replies: 59
Views: 3803

Re: Another 15 vs. 30 year mortgage toss up

Pay it off, I know you said your young but when there's no more payments it's much more enjoyable. 30 year mortgages are a total mistake to get. Death grips.
by squirm
Sat Apr 25, 2020 11:30 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6971

Re: Go or no go on Carnival cruise

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...
by squirm
Sat Apr 25, 2020 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job Uncertainty is Killing Me: How to Cope???
Replies: 22
Views: 2193

Re: Job Uncertainty is Killing Me: How to Cope???

I think you need to reach out to a someone who specializes in mental health, perhaps a psychologist. I doubt anything said here will really help you in the end. Good luck.
by squirm
Sat Apr 25, 2020 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Evaluate my Financial Plan
Replies: 16
Views: 867

Re: Evaluate my Financial Plan

Pay off the car. If you get in a jam where you need emergency money, use the credit cards. Get into a habit of making extra mortgage payments too.

Good for you take your financials serious at a young age.
by squirm
Sat Apr 25, 2020 11:16 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6971

Re: Go or no go on Carnival cruise

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...
by squirm
Sat Apr 25, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: Go or no go on Carnival cruise
Replies: 114
Views: 6971

Re: Go or no go on Carnival cruise

We have to decide very soon whether to pay the remaining cost for a one-week Mexico cruise in late July. We can bail out now and lose $100 deposit. This trip would not involve flying on an airline. Thoughts? I'm not you, but if were me, I couldn't go. You're stuck on a boat with lots and lots of ot...
by squirm
Sat Apr 25, 2020 10:11 pm
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 1851

Re: Intel vs AMD Processor Equivalents

AMD is far superior to Intel these days. If it's a choice between similar price and similar form types I'd take the AMD processor every time. Ryzen 3/5/7/9 is roughly equivalent to Core i3/i5/i7/i9 The difference between AMD is AMD has caught and up surpassed Intel on processor core count, power co...
by squirm
Sat Apr 25, 2020 9:59 pm
Forum: Personal Consumer Issues
Topic: Intel vs AMD Processor Equivalents
Replies: 28
Views: 1851

Re: Intel vs AMD Processor Equivalents

AMD will give you more logical cores at all price points. In general I like AMD.
by squirm
Sat Apr 25, 2020 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: I need financial/general advice
Replies: 47
Views: 2901

Re: I need financial/general advice

Nobody here knows you, so take all advice with caution. If I were in your shoes, yes I'd quit. Being stressed out and having a bad job is not good for ones health. I haven't read any replies, but you'll probably get the ol, "no don't quit, save every dime until you die". Be careful with the money, ...
by squirm
Sat Apr 25, 2020 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18755

Re: Anyone planning on never retiring?

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out...
by squirm
Sat Apr 25, 2020 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18755

Re: Anyone planning on never retiring?

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out...
by squirm
Sat Apr 25, 2020 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18755

Re: Anyone planning on never retiring?

Kinda like that financial commercial where the guy talks about all the things he's done and says "what if I don't want to retire?" and the guy says develop a plan for what's next. If you love working, nothing wrong with that. I loved work until I got the principal from hell and pulled the plug afte...
by squirm
Sat Apr 25, 2020 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 173
Views: 18755

Re: Anyone planning on never retiring?

Just read the title, not the body. Nope, I would want to retire, the sooner the better to be with the family and kids. There are people at my work that have no kids, no family, no spouse and basically no outside interest either, so they just continue coming in everyday getting their soul sucked out ...
by squirm
Sat Apr 25, 2020 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: I need financial/general advice
Replies: 47
Views: 2901

Re: I need financial/general advice

Nobody here knows you, so take all advice with caution. If I were in your shoes, yes I'd quit. Being stressed out and having a bad job is not good for ones health. I haven't read any replies, but you'll probably get the ol, "no don't quit, save every dime until you die". Be careful with the money, f...
by squirm
Sat Apr 25, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Take Social Security now, at 66, during Corona-virus?
Replies: 61
Views: 4960

Re: Take Social Security now, at 66, during Corona-virus?

Just remember to take into account your enjoyment to use it. Who cares if you wait another five years to collect more and then end up with Parkinson's like an uncle I had. He was alive to collect but can't enjoy it. Don't be greedy I guess. Everyone here who post and you're taking advice from is ali...
by squirm
Thu Apr 23, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9343

Re: I Got Scammed To Send Amazon Gift Cards

No, I'm not gonna report this. Please do report this to the FTC, the federal government takes this more seriously than you might think and these reports help keep others from getting scammed in the same way. You don't even have to talk to anybody, there's an online form you fill out at https://www....
by squirm
Sat Apr 18, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5946

Re: Issues with face masks?

I have a 3M brand mask from Home Depot labeled N95. Pretty miserable to wear for more than a few minutes. Besides the two bands being so tight they pinch the back of your head, it's like breathing into your cupped hands. You're breathing in the carbon dioxide you exhale. That's probably why you're ...
by squirm
Sat Apr 18, 2020 2:00 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5946

Re: Issues with face masks?

I went to the grocery store for the first time since requiring face masks here, and to be honest probably the first time ever in general. I had a surgical mask here in plastic bag from a while ago that I was going to use for cleaning. I noticed after a 30-40 min trip I was quite lightheaded and fou...
by squirm
Sat Apr 18, 2020 1:22 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4084

Re: Computers - Solid State Drive vs. Hard Disk Drive

Overall current tech SSDs are flatout better all around. The down size is it costs more than an HDD for the same amount of storage space. On systems that allow it, a good compromise is using an SSD for Windows and frequently used documents, and HDD for larger files that don't need to be modified of...
by squirm
Sat Apr 18, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4084

Re: Computers - Solid State Drive vs. Hard Disk Drive

SSD's are getting much slower due to 4 bit cell technology, unless they have a large cache or other cache technology so be careful. That's only true for QLC drives, and in real use (i.e., not copying 100GB all the time) it makes no significant difference. And most drives on the market are not QLC, ...
by squirm
Sat Apr 18, 2020 1:15 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55511

Re: How to get Toilet Paper ? seriously.

BlueFin wrote:
Sat Apr 18, 2020 7:51 am
Now that the hoarders have filled all available space in their homes with toilet paper our grocery store had a full supply yesterday of all kinds available.
Store have it here too.
by squirm
Sat Apr 18, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: Computers - Solid State Drive vs. Hard Disk Drive
Replies: 75
Views: 4084

Re: Computers - Solid State Drive vs. Hard Disk Drive

SSD's are getting much slower due to 4 bit cell technology, unless they have a large cache or other cache technology so be careful.
by squirm
Sat Apr 18, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: New laptop/desktop for [Work From Home]?
Replies: 41
Views: 2946

Re: New laptop/desktop for [Work From Home]?

Dell Windows xps, also see if you can get the Microsoft home use program. Can't go wrong with that setup.
by squirm
Sat Apr 18, 2020 8:37 am
Forum: Personal Consumer Issues
Topic: Expecting Child #1 - Cost Saving Ideas?
Replies: 55
Views: 2110

Re: Expecting Child #1 - Cost Saving Ideas?

I just bought used stuff when I could. Generic formula too. Don't buy many toys, it just ends up in the land fills. I just have my kids empty cans of milk jugs etc when they were like one to play with. Used clothes from friends/family with kids or thirt it. What I've seen is having a kid, the parent...
by squirm
Fri Apr 17, 2020 8:09 pm
Forum: Personal Consumer Issues
Topic: How to deal with loud neighbor bass noise in NYC
Replies: 34
Views: 1796

Re: How to deal with loud neighbor bass noise in NYC

Poorman wrote:
Fri Apr 17, 2020 8:05 pm
Dottie57 wrote:
Fri Apr 17, 2020 7:49 pm
Earplugs now, move when lease is up. Tell landlord why you are moving.
How do earplugs block bass???
They don't.
by squirm
Fri Apr 17, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: How to deal with loud neighbor bass noise in NYC
Replies: 34
Views: 1796

Re: How to deal with loud neighbor bass noise in NYC

Invite him down to your apartment before he lowers the music so he can hear what you hear. I've done this and it works. . . for awhile. Permanent cure is to move. Resolve never to be in only the highest apartment with nothing above. Noise complaints are tough. Landlords take a beating. j :happy Agr...
by squirm
Fri Apr 17, 2020 10:48 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5808

Re: How are you exercising with gym closures

been going to gyms for 40 years.
since i can't now, i'm doing more forestry type work. that will knock the wind out of you.
by squirm
Fri Apr 17, 2020 9:33 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14294

Re: Apple Released a New Low-cost Iphone

I allow for $100/device/year. Our iPhone SEs have delivered on that, and are still going strong. When something moves us to change, I expect we'll move to the new SEs. To the SE haters, what's your cost per device per year? Not a hater, but I am well <$100/device/year with Moto G's. I don't need a ...
by squirm
Thu Apr 16, 2020 1:59 pm
Forum: Personal Consumer Issues
Topic: Device for men's haircuts
Replies: 15
Views: 1097

Re: Device for men's haircuts

my kids cut my hair for years. easy. take out clippers, snap on guard start cutting. us guys are lucky at least i am, cuz i don't care what my hair looks like, though kids do a good job. then i cut their hair. paying to get hair cut is so yesteryear.
by squirm
Thu Apr 16, 2020 1:12 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2596

Re: How to get Disinfectant Spray? seriously.

so can i just spray all the items (except for produce) from the grocery store with a 1:10 water/bleach, let it dry and then put the stuff away?
by squirm
Thu Apr 16, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: How to get Disinfectant Spray? seriously.
Replies: 41
Views: 2596

Re: How to get Disinfectant Spray? seriously.

Bleach seems to be readily available (now) where I live, and even when they were sold out of bleach the store had plenty of pool chlorine tablets. You need to be careful about getting the dilution with water right, you don't want it too strong (chlorine is toxic), but if diluted in enough water it ...
by squirm
Wed Apr 15, 2020 6:25 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 183
Views: 19648

Re: Please share some lifestyle creep you regret.

A family member is a little over 50 and is trying to relive his youth. Sorta funny to watch. Buys all the speed boats, fast cars and other toys, tries to convince me I should be impressed. I asked him why? we're not in our 20's anymore.
by squirm
Wed Apr 15, 2020 6:18 pm
Forum: Personal Consumer Issues
Topic: Please share some lifestyle creep you regret.
Replies: 183
Views: 19648

Re: Please share some lifestyle creep you regret.

I always thought having a pool was a gamble. Kids usually use them but adults, rarely. They don't necessary add value to property either which tells me if you're selling a house with a pool it might detract buyers. I use to remodel homes decades ago, some of those homes that I remodeled the pool is ...
by squirm
Wed Apr 15, 2020 10:50 am
Forum: Personal Consumer Issues
Topic: Eating out after lock-down is lifted
Replies: 112
Views: 10185

Eating out after lock-down is lifted

We have a couple birthdays planned this summer, but not sure if eating out and drinking is going to be all that fun now. Even if restaurants are required to operate at half capacity (higher prices I would think?), it seems nerve wracking to sit and be touching tables that others were just sitting at...
by squirm
Mon Apr 13, 2020 11:17 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4162

Re: Flying in September, think it will be safe?

The flying part might actually be safer today given how empty the planes generally are. Social distancing on the plane and at the airport may be more difficult if/when more people fly again (because they think/are told it is safe). I have some travel credit and companion passes on Alaska expiring l...
by squirm
Mon Apr 13, 2020 11:06 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4162

Re: Flying in September, think it will be safe?

I heard the MS prediction on CNBC. I'm not saying their the experts, but that's all I have to go with.
A second wave does make sense, I doubt the US will do as much or take as drastic measures as S Korea or China has done to try and prevent a re-infection.
by squirm
Mon Apr 13, 2020 10:45 pm
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13431

Re: Safest way to get food

No, You Don't Need To Disinfect Your Groceries. But Here's How To Shop Safely The outline: Know the dangers — focus on the people, not the food Avoid crowds and shop quickly Wear a face covering Go alone Sanitize carts and hands Skip the gloves Give the cashier some space Choose no-touch payment wh...
by squirm
Mon Apr 13, 2020 10:38 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4162

Re: Flying in September, think it will be safe?

I wouldn't fly There probably will be flights by then but there will still be a big risk imo. "Still low enough"?? We are way past that. People don't take this seriously enough. Watch some videos on youtube about coronavirus victims of all ages and health. I take it very serious, It's very eye open...
by squirm
Mon Apr 13, 2020 10:30 pm
Forum: Personal Consumer Issues
Topic: Flying in September, think it will be safe?
Replies: 73
Views: 4162

Flying in September, think it will be safe?

I'm choosing September, before winter hits and hopefully the infection rate is still low enough to fly with confidence I won't get infected. I'm in the US, idaho, if it means anything. flying to Florida. will be there for two weeks. Morgan Stanley believes the second wave will hit sometime in Novemb...
by squirm
Thu Apr 09, 2020 5:07 pm
Forum: Personal Consumer Issues
Topic: Laptop buying advice
Replies: 41
Views: 3067

Re: Laptop buying advice

I'm looking to get my wife a new laptop. She's not into gaming or photo editing, but occasionally she needs to run software that is too demanding on her 2014 Toshiba laptop. Ideally, I'd like to get her something that can last her several years. One thing I've noticed is that laptops have gotten ex...