Search found 1562 matches

by catdude
Fri Dec 14, 2018 2:21 am
Forum: Investing - Theory, News & General
Topic: Having the self-discipline to stay the course -- do you take pride in it?
Replies: 11
Views: 617

Re: Having the self-discipline to stay the course -- do you take pride in it?

I guess I never really looked at it that way.

I take more pride in having saved & invested enough to retire at 55, than I do in staying the course...
by catdude
Thu Dec 13, 2018 2:27 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 61
Views: 3323

Re: [Anyone drop cable for YouTube TV?]

I guess something to be concerned about is what the internet service will be without cable. Of course, given the different in base costs of the TV service, there's a lot of slack there. I think if you un-bundle services, stand-alone internet is $60 a month with a 500 GB monthly data cap. (There's n...
by catdude
Thu Dec 13, 2018 12:49 am
Forum: Personal Consumer Issues
Topic: [Anyone drop cable for YouTube TV?]
Replies: 61
Views: 3323

Re: [Anyone drop cable for YouTube TV?]

Thanks OP for starting this thread. I've been inspired by it to check on the availability of YTTV in my area. It is! (last time I checked, a few months ago, it wasn't)... I set up an account and am now checking out the free trial. So far so good. Looks like it's great for sports nuts like me... I ex...
by catdude
Wed Dec 12, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: Desktop Computer. All in one or separate? And which one?
Replies: 34
Views: 1886

Re: Desktop Computer. All in one or separate? And which one?

If you want to go with Mac OS, you don't necessarily have to buy a 27-inch iMac. I just got the new Mac mini, and so far I like it a lot. It's especially good if you already have a keyboard, mouse, and monitor. I think it'd work fine for casual games...
by catdude
Wed Dec 12, 2018 2:01 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 176
Views: 12954

Re: What Happened to you during the Financial crisis of 2007–2008

What I recall about 2008-09 is how demoralizing it felt to see the stock market slide down, seemingly day after day. It felt miserable but I didn't change anything. I stuck with my automatic investments into my workplace 457 plan, and I kept putting money into my Roth IRA. I think what allowed me to...
by catdude
Tue Dec 11, 2018 5:10 am
Forum: Personal Consumer Issues
Topic: Retired in your late 40s or early 50s?
Replies: 87
Views: 13775

Re: Retired in your late 40s or early 50s?

I retired 8 years ago at age 55. It was something I'd planned for, and dreamed of doing, for many years. No regrets whatsoever. I'm enjoying reading this thread, but I'm realizing for every one of us Bogleheads who's been able to retire early, there are thousands, or tens of thousands, of people who...
by catdude
Sun Dec 09, 2018 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Buying house for cash, sellers requesting proof of assets
Replies: 23
Views: 4471

Re: Buying house for cash, sellers requesting proof of assets

I've seen this from both sides of the fence. Years ago when I sold a townhouse, it was very much a seller's market. I got five offers for the house, one of which was all-cash. That buyer provided documentation of assets without my agent having to request it. She (the buyer) didn't want there to be a...
by catdude
Sat Dec 08, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3545

Re: Root Canal - dentist or endodontist

I've had three root canals; the first was done by a general dentist, the last two by endontists. Although the dentist did a good job, I'd agree with those who recommend having it done by an endontist. They do root canals all day long. Before my most recent one, the endontist promised me that the pro...
by catdude
Fri Dec 07, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: 55 year old may need hearing aid
Replies: 13
Views: 1546

Re: 55 year old may need hearing aid

Another vote for Costco. I got an exam and hearing aids from them a couple months ago and saved a ton of $$$.
by catdude
Mon Dec 03, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement itch- when did you get it?
Replies: 120
Views: 10858

Re: Retirement itch- when did you get it?

Let me put it this way. After age 45, I only thought about retirement once...and that was continuously :) Every day in the office I would start my day by pulling out my HP-12C calculator and doing quick estimates of how much my portfolio would be worth at age 55... or 57... or 60... or 62. Then I wo...
by catdude
Sun Dec 02, 2018 2:29 am
Forum: Personal Consumer Issues
Topic: Yay Engineers!
Replies: 4
Views: 1506

Re: Yay Engineers!

I'm hoping everything will still work when the Big One hits off the Oregon coast...
by catdude
Sun Dec 02, 2018 1:48 am
Forum: Investing - Help with Personal Investments
Topic: Saving for Retirement when one has a Pension
Replies: 60
Views: 5760

Re: Saving for Retirement when one has a Pension

I’ll also be retiring with a state pension at half my salary in 11 more years. I operate as if It doesn’t exist. I still max out my 457 and my 401k annually, you never know what may happen in the future. Better to have more options than less options. I think this is exactly right. I retired 8 years...
by catdude
Wed Nov 28, 2018 1:16 am
Forum: Personal Finance (Not Investing)
Topic: How did YOU choose your career?
Replies: 149
Views: 8695

Re: How did YOU choose your career?

I was 30 years old and in a job I hated... I went thru a significant depression and realized I had to find a way out of my dead-end job. I remembered that years before, in college, I had taken -- and kinda enjoyed -- an introductory accounting class. So I decided to take a few more accounting classe...
by catdude
Sun Nov 25, 2018 2:27 am
Forum: Investing - Theory, News & General
Topic: What is your allocation to U.S. and International?
Replies: 119
Views: 7062

Re: What is your allocation to U.S. and International?

stocks / bonds = 55% / 45%

stocks: 80% US / 20% Int'l

No int'l bonds
by catdude
Fri Nov 23, 2018 2:38 am
Forum: Personal Finance (Not Investing)
Topic: What financial information do you share with your family and relatives?
Replies: 112
Views: 9702

Re: What financial information do you share with your family and relatives?

My brother has a copy of my will and my Vanguard account statements and beneficiaries. That way, if I get run over by a freight train, he'll know where to find my assets. I don't share my financial info with anyone else.
by catdude
Wed Nov 21, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15053

Re: Black Friday 2018

I got an Echo Dot from Amazon for 24 bucks (regular price $50). Yeah, I'm a big spender. :) I got a new Dot a week or so ago for $1, by signing up for a subscription for Amazon Music. It doesn't appear that I'm obligated to stay with the subscription for any amount of time, although I like it so pr...
by catdude
Wed Nov 21, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15053

Re: Black Friday 2018

I got an Echo Dot from Amazon for 24 bucks (regular price $50). Yeah, I'm a big spender. :)
by catdude
Tue Nov 20, 2018 2:14 am
Forum: Personal Finance (Not Investing)
Topic: The psychology of withdrawing from your portfolio
Replies: 58
Views: 5874

Re: The psychology of withdrawing from your portfolio

This is something I struggle with too. I have a pension of about $37K/year, and I keep thinking that I SHOULD be able to get by on that, since I don't have a mortgage or expensive hobbies. And my health insurance (thru my ex-employer) is only about $200 a month. It seems like something always comes ...
by catdude
Sun Nov 18, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: If you have an Amazon Echo and want another one...
Replies: 5
Views: 874

If you have an Amazon Echo and want another one...

... here's a tip, FWIW. Amazon is having a sale on Amazon devices; it's only available to Prime members, and you have to place your order via your existing Echo device. Some pretty good prices, e.g., the Echo dot (3rd-gen) can be had for $24. The sale is good thru Nov. 21st. https://www.amazon.com/b...
by catdude
Thu Nov 15, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4109

Re: Finally cutting cable -- is 40mbps enough for streaming services?

I don't mean to threadjack, but I've got a related question.... The other day I called the cable company to cancel TV service. Of course the CSR asked why, so I told her -- my plan was to stream Hulu. She responded by telling me that the cost of my internet service would go from $45/month to $60/mo...
by catdude
Thu Nov 15, 2018 2:27 am
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4109

Re: Finally cutting cable -- is 40mbps enough for streaming services?

During NFL season, I streamed about 7 games per week or about 30 games a month. Not sure how much bandwidth I consumed but have not see any increase in my cable bill ($60/month) yet. It's scare tactics. Having thought about this a bit, I've come up with a strategy for keeping my monthly streaming u...
by catdude
Tue Nov 13, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Moto G5+ to Moto X4?
Replies: 6
Views: 681

Re: Upgrade from Moto G5+ to Moto X4?

Oh jeez let's not get into an android vs. iPhone debate...
by catdude
Tue Nov 13, 2018 9:16 pm
Forum: Personal Consumer Issues
Topic: Upgrade from Moto G5+ to Moto X4?
Replies: 6
Views: 681

Upgrade from Moto G5+ to Moto X4?

Howdy y'all -- Amazon has the Motorola Moto X4 (32 GB) on sale for $199.99... https://www.amazon.com/Moto-4th-Generation-hands-free-Exclusive/dp/B077YNYFPD/ref=sr_1_2?s=wireless&ie=UTF8&qid=1542160892&sr=1-2&keywords=moto+x4 Note also that used models in "very good" condition can be had for about $1...
by catdude
Tue Nov 13, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

Re: How long have you had, or did you have, your HP-12C calculator?

Hi, OP again. Thanks to all for your responses. All this talk of various HP calculators makes me wonder if anyone still has an HP-45? IIRC it came out around the time I graduated from high school, in 1973. It cost about $400 and I really lusted in my heart for one. But I didn't have that kind of mo...
by catdude
Mon Nov 12, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

Re: How long have you had, or did you have, your HP-12C calculator?

Hi, OP again. Thanks to all for your responses. All this talk of various HP calculators makes me wonder if anyone still has an HP-45? IIRC it came out around the time I graduated from high school, in 1973. It cost about $400 and I really lusted in my heart for one. But I didn't have that kind of mon...
by catdude
Mon Nov 12, 2018 2:54 pm
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

Re: How long have you had, or did you have, your HP-12C calculator?

Hewlitt Packard also makes the HP 10bII Plus Financial Calculator that sells for around $30 or $35. I understand it is also more user friendly than the HP-12c. I recall giving the 10bII plus a tryout many years ago. I didn't care for it, mainly because it didn't have RPN. Once you get comfortable w...
by catdude
Mon Nov 12, 2018 2:36 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2789

How long have you had, or did you have, your HP-12C calculator?

I wonder if y'all can satisfy my curiosity. Awhile back I heard somewhere (it may have been on Bogleheads, it may have been elsewhere) that it's fairly common for people to have, and to use, their HP-12C financial calculator for decades. Pretty remarkable given the planned obsolescence of consumer p...
by catdude
Sun Nov 11, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 222
Views: 29251

Re: [Financial] Habits of the Rich

averagedude wrote:
Sun Nov 11, 2018 8:34 pm
I would also like to add that the harder i work, the luckier i get.
A slightly different version of this, from Ben Hogan (the legendary golfer) -- "The more I practice, the luckier I get."
by catdude
Sat Nov 10, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4109

Re: Finally cutting cable -- is 40mbps enough for streaming services?

I don't mean to threadjack, but I've got a related question.... The other day I called the cable company to cancel TV service. Of course the CSR asked why, so I told her -- my plan was to stream Hulu. She responded by telling me that the cost of my internet service would go from $45/month to $60/mo...
by catdude
Fri Nov 09, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 38
Views: 4109

Re: Finally cutting cable -- is 40mbps enough for streaming services?

I don't mean to threadjack, but I've got a related question.... The other day I called the cable company to cancel TV service. Of course the CSR asked why, so I told her -- my plan was to stream Hulu. She responded by telling me that the cost of my internet service would go from $45/month to $60/mon...
by catdude
Sun Nov 04, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4158

Re: Mice

Rupert wrote:
Sun Nov 04, 2018 3:51 pm
A cat.
I concur with this recommendation, but I’m biased.
by catdude
Thu Nov 01, 2018 5:01 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut the cord?
Replies: 244
Views: 28260

Re: How many of you have cut the cord?

I just re-upped with cable, at least for a few months. I also just started using a feature they have, called TV Everywhere... it allows me to watch CNN, ESPN, etc. etc. on my iPad and phone. It's pretty neat...
by catdude
Wed Oct 31, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1679

Re: Anybody use CenturyLink for internet service?

Thanks everyone for your feedback. I'm going to stick with BBB for the time being. I'm getting a $20 monthly statement credit from them, the result of a previous negotiation. When that expires in a few months, I re-visit this issue. I think if I wasn't such a sports nut I'd just go exclusively with ...
by catdude
Wed Oct 31, 2018 3:30 am
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1679

Anybody use CenturyLink for internet service?

I'd like to cut the cord but my current internet provider, BendBroadband (BBB), has quite the coercive pricing structure. If you bundle internet with TV, they price the internet service at $45 a month, with unlimited data. If you try to cut the cord and just use BBB for internet, they charge you 60 ...
by catdude
Tue Oct 23, 2018 2:18 am
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1387

Re: Hulu & NBC

It looks like I've resolved my OTA/NBC problem. Don't know why I didn't think of this before, but I just had to fiddle a bit with the location of my basic flat panel antenna. Previously it had been resting on the TV shelf, with a partially obstructed path to the local broadcast towers. Now it's dang...
by catdude
Tue Oct 23, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1387

Re: Hulu & NBC

TravelGeek wrote:
Tue Oct 23, 2018 12:23 am
What does antennaweb.org tell you about the OTA signal strength at your address?
It tells me that I'm 3 miles away from the NBC tower, the same distance as for the Fox, CBS, ABC towers. My reception for those other networks is fine.
by catdude
Tue Oct 23, 2018 12:12 am
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1387

Re: Hulu & NBC

We have been using Hulu with Live TV for about 90 days. If you are a fan of the NFL, it really leaves much to be desired. Frequently games that are supposed to be available in our area cannot be seen. And like you, Sunday night NFL games cannot be seen either. To solve the NBC NFL Sunday night prob...
by catdude
Tue Oct 23, 2018 12:07 am
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1387

Re: Hulu & NBC

stlutz wrote:
Mon Oct 22, 2018 11:40 pm
Is YouTubeTV available where you are? Another option that could work is Locast, again depending on where you are. Final option is setting up the antenna in a better location.
YouTubeTV is available in Portland, but sad to say, not here in Central Oregon. Tough buns, I guess...
by catdude
Tue Oct 23, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5690

Re: Cross-country trip via Amtrak

Thanks again, everyone, for your responses. Lots of good specific info here. The trip is still about six months away, but I've bookmarked this thread and will refer back to it this winter when I'm doing the planning for my epic trip by rail.
by catdude
Mon Oct 22, 2018 11:56 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5690

Re: Cross-country trip via Amtrak

Also — and I think this is a good Boglehead tip — the cars with roomettes have a coffee maker at one end which always has a fresh pot on, as one of the amenities provided for roomette occupants. If one were to carry a flask of whiskey, one would be able to enjoy an Irish coffee in one's room at coc...
by catdude
Mon Oct 22, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Hulu & NBC
Replies: 16
Views: 1387

Hulu & NBC

Hi there Bogleheads - I'm currenlty a couple days into a free 7-day trial of Hulu. I'm enjoying it a lot... I especially like that I can stream sports on my Echo Show. Pretty groovy. Here's the problem: Hulu doesn't carry NBC. (Neither do Sling TV or Playstation Vue... I checked). I wanted to watch ...
by catdude
Mon Oct 22, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: Set it and forget it
Replies: 47
Views: 9317

Re: Set it and forget it

Rick - excellent synopsis of Boglehead-style investing. I just cut & pasted your post into an email I sent to a friend of mine. She's eager for investing advice...
by catdude
Wed Oct 17, 2018 3:25 pm
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5690

Re: Cross-country trip via Amtrak

OP here. Thank you all for sharing your stories! I am much obliged. Keep them coming! I like the idea of travelling by train in one direction and flying back in the other -- that's probably what I'll do.
by catdude
Wed Oct 17, 2018 2:27 am
Forum: Personal Consumer Issues
Topic: Cross-country trip via Amtrak
Replies: 58
Views: 5690

Cross-country trip via Amtrak

Hi Bogleheads - For the past year or so I've been thinking of taking a trip to the East Coast (Boston, New York, etc.) to visit friends and family. I'm pretty sure now that I'm gonna do it next spring. I've flown across the country many times (I live in Oregon). Now I'm toying with the idea of makin...
by catdude
Tue Oct 09, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 1039

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

FWIW, I've had the Moto G5 for the past 8 - 10 months or so, and have no complaints. It's a good no-frills phone, does everything I need (texting, checking email, the occasional phone call, etc.). A couple years back I had the Moto X for awhile, and that was really a good phone too, no complaints ab...
by catdude
Tue Sep 25, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1528

Re: Does health insurance cover hearing aids

Pigeon wrote:
Mon Sep 24, 2018 6:03 pm
I have a relative who paid $8,000. Yikes.
:shock:
by catdude
Tue Sep 25, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6168

Re: Oil change interval for low-mileage vehicles

OP here. Thank you all for your responses. Wow, I had no idea Bogleheads were so interested in oil changes! :)

I think the folks who say "follow the manual" have won the argument. That's what I'll do...

Thanks again...
by catdude
Tue Sep 25, 2018 1:20 am
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 6168

Oil change interval for low-mileage vehicles

Hi Bogleheads, I searched the archives and found that threads on this specific subject are five or six years old, so I thought I'd start a new thread. I have a 2017 Ford Escape, and I don't drive much. I put about 4000 miles a year on it. Most of that is from short trips, running errands around town...
by catdude
Mon Sep 24, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: Does health insurance cover hearing aids
Replies: 21
Views: 1528

Re: Does health insurance cover hearing aids

Hi, OP here. Thank you all for the feedback. I'll give BCBS a call this week and see what they say. I'm not expecting good news but I'll call them anyway. I like to think that I'm still ahead of the game cuz I got the hearing aids from Costco for $2500, much less than what I would've paid elsewhere ...
by catdude
Mon Sep 24, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Fed up with health insurance situation
Replies: 117
Views: 7571

Re: Fed up with health insurance situation

My brother is self-employed and has roughly the same monthly payment and deductibles as you, OP... He complains bitterly about it.