Search found 1145 matches

by vitaflo
Fri Aug 23, 2019 9:55 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 296
Views: 41953

Re: Anyone disenchanted with retirement?

Yes, almost anything you can do is a job for someone, but that's not the issue, it's whether it is a job for YOU, i.e. whether YOU are doing it for pay or not. Simple really. You can do almost anything you want and still be retired, so long as you are not doing it in exchange for payment. Did you r...
by vitaflo
Sun Aug 18, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Aliens have captured my husband [wants to buy a Porsche]
Replies: 134
Views: 9351

Re: Aliens have captured my husband [wants to buy a Porsche]

Based on the responses in this thread, I can't wait until I'm 74.
by vitaflo
Sun Aug 18, 2019 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone retire in their 30s?
Replies: 95
Views: 10374

Re: Anyone retire in their 30s?

I’m 35, and reading the original post was a bit like looking in the mirror, to be honest. I’ve been working for the same company in a variety of jobs since graduation 13 years ago. I like most elements of my work (technical role), but it has grown to be too much, and it’s not fun anymore. It never ...
by vitaflo
Fri Aug 16, 2019 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8220

Re: Taking a break in your 50s: Is it the kiss of death?

My wife and I just did this (mid-40's). She quit her job, I stopped taking clients (contractor) and had 6 months off, two of it on a road trip. Best thing we ever did. We're not near 35x expenses (~22x currently). Part of the reason we felt we could do this is because we are in pretty high-demand ca...
by vitaflo
Fri Aug 16, 2019 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: How to define "HCOL" (high cost of living) areas?
Replies: 79
Views: 4620

Re: How to define "HCOL" (high cost of living) areas?

Watty wrote:
Fri Aug 16, 2019 4:02 pm
mptfan wrote:
Fri Aug 16, 2019 3:35 pm
(I find it interesting that 8 out of the top 20 are in California)
It is also interesting that only Boulder Colorado and Anchorage Alaska are not on the coasts.
Technically Anchorage is on the coast. I'm more surprised it has a HCOL. Wouldn't have expected that.
by vitaflo
Fri Aug 16, 2019 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance out-of-pocket maximum
Replies: 19
Views: 964

Re: Health insurance out-of-pocket maximum

That's good to know, but I would still be concerned, because while ER care is covered, you could have many other expenses beyond those incurred in the ER, such as a stay in an ICU. From what you're saying, those other expenses would not be covered. Certainly it depends on many factors but yes, defi...
by vitaflo
Fri Aug 16, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Health insurance out-of-pocket maximum
Replies: 19
Views: 964

Re: Health insurance out-of-pocket maximum

Unlimited refers to only the out of pocket maximum. OP hasn't yet stated what the coverage is for out of network. It's likely a 10 - 30% deductible, so the OP's risk would be for that being "unlimited". Indeed. This would make me really nervous about traveling at all. And the agent's statement that...
by vitaflo
Fri Aug 16, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'
Replies: 101
Views: 10284

Re: GE shares tank more than 13% after Madoff whistleblower calls it a ‘bigger fraud than Enron'

AZAttorney11 wrote:
Thu Aug 15, 2019 4:37 pm

A Thursday evening filing with the SEC revealed that Culp bought 252,200 shares for about $7.93 each. Culp has roughly doubled his holding of GE shares this week, according to the filing.
I'm more alarmed the CEO of GE only had $2m worth of stock before yesterday.
by vitaflo
Wed Aug 14, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: Trail running shoes for light hiking
Replies: 48
Views: 3129

Re: Trail running shoes for light hiking

Anyway, my main question/point, am I the only one that likes the extra ankle support (and sometimes better protection on the bottom of the shoe) that hiking boots give you? For me, boots are worse on my ankles because they do not offer the same range of motion as trail runners, especially when poin...
by vitaflo
Wed Aug 14, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: I wanted to teach myself computer programming.
Replies: 64
Views: 5026

Re: I wanted to teach myself computer programming.

Any advice, books or online courses to recommend? Back in the 80s I took a semester of COBAL and now I’m thinking just for fun to learn something new to me. What language and what types of activity should I do? Personally I would try to learn the concepts of computer science rather than just a lang...
by vitaflo
Wed Aug 14, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: October in Minnesota
Replies: 37
Views: 2018

Re: October in Minnesota

I agree with those who said do outdoor activities. There is no better time to be outdoors in MN than Sept/Oct. Especially in outstate MN, most notably the North Shore.

Wait until the next time you visit when it's hot/humid or cold/snowy to do the indoor activities. Stay outside!
by vitaflo
Wed Aug 14, 2019 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What next in Life? Climb ladder or start a business
Replies: 11
Views: 1379

Re: What next in Life? Climb ladder or start a business

I'd love to start a 'proper' business venture but I have absolutely no idea how to go about generating ideas for one - more of a work horse than creative person (although this could be worked on). This is a common trap I see in people starting a business. It's hard enough to start a successful busi...
by vitaflo
Wed Aug 14, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Do you "lock" computers in your home?
Replies: 77
Views: 5235

Re: Do you "lock" computers in your home?

Can you recommend software to encrypt a hard drive? On Windows 10, you can use BitLocker with Enterprise, Pro, or Education editions. For most with Windows 10 Home, you can use a 3rd party encryption. And on Mac you can use FileVault. It's built into the OS and is in the System Preferences.
by vitaflo
Sun Aug 11, 2019 11:07 pm
Forum: Personal Consumer Issues
Topic: Trail running shoes for light hiking
Replies: 48
Views: 3129

Re: Trail running shoes for light hiking

I believe that folks do NOT recommend waterproof trail runners because once water gets in, then it never comes out. People prefer to have a breatheable shoe that drains water quickly and thus dries quickly. This. My wife learned the hard way how waterproof shoes perform if you accidentally dunk you...
by vitaflo
Sun Aug 11, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Any Western CO Folks Here (Durango?)? - Would you Rec?
Replies: 36
Views: 2495

Re: Any Western CO Folks Here (Durango?)? - Would you Rec?

What big city are you moving from? What do the wife and kids want?
by vitaflo
Sat Aug 10, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Have you started a blog?
Replies: 32
Views: 2505

Re: Have you started a blog?

I started my blog in 1998, before the term "blog" even existed. Never monetized it, because it's just my thoughts on what's going on in my life (basically a journal), so there's nothing to monetize. I'll say this though, if you're starting a blog to make money, you've already missed the wave and are...
by vitaflo
Fri Aug 09, 2019 10:47 pm
Forum: Personal Consumer Issues
Topic: Do You Order "the Special" at Restaurants?
Replies: 50
Views: 4075

Re: Do You Order "the Special" at Restaurants?

The smaller the menu the more likely I am to try the special, as the more likely it really is special. The larger the menu the more likely it is that they're getting rid of excess. In fact, the larger the menu the more likely that your food is frozen and is just being reheated and not actually prepa...
by vitaflo
Fri Aug 09, 2019 10:36 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 111
Views: 10816

Re: Amazon -- no longer the lowest prices, evidently

I didn't stop shopping on Amazon because other places were cheaper, I stopped shopping on Amazon because so much of their inventory (even those "sold by Amazon") are counterfeit. If I'm getting a knockoff, I don't care that it's cheaper. Could you share the general type of fakes you received? I don...
by vitaflo
Wed Aug 07, 2019 6:14 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 111
Views: 10816

Re: Amazon -- no longer the lowest prices, evidently

I didn't stop shopping on Amazon because other places were cheaper, I stopped shopping on Amazon because so much of their inventory (even those "sold by Amazon") are counterfeit. If I'm getting a knockoff, I don't care that it's cheaper. I haven't had this happen on items shipped AND sold by Amazon...
by vitaflo
Wed Aug 07, 2019 5:50 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 111
Views: 10816

Re: Amazon -- no longer the lowest prices, evidently

I didn't stop shopping on Amazon because other places were cheaper, I stopped shopping on Amazon because so much of their inventory (even those "sold by Amazon") are counterfeit. If I'm getting a knockoff, I don't care that it's cheaper.
by vitaflo
Fri Aug 02, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6136

Re: Boglehead Complacency

hdas wrote:
Thu Aug 01, 2019 4:25 pm
I was (am :confused ) expecting an euphoric march towards ~3200, but Mr. Market might have different plans.
So if we get to 3200 will you be right or wrong? :confused
by vitaflo
Sat Jul 27, 2019 12:13 pm
Forum: Personal Investments
Topic: Farmland Crowdfunding Website
Replies: 5
Views: 925

Re: Farmland Crowdfunding Website

Agree with unclescrooge. I own a good amount of farmland in MN and while farming is highly regional (like anything with land) and with farmland, seasonal, I'm really wondering how they are getting the returns they say they are. They tout low volatility, no leverage, and inflation hedging, yet return...
by vitaflo
Sat Jul 27, 2019 11:47 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 3947

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

So, what do people here suggest? I suggest using it for home monitoring, not for access. And by monitoring I mean things like "what's the temp/humidity?", "is anything leaking by the water heater/sump pump/etc?", "are any doors open/closed?". These are all useful things to know, especially if you a...
by vitaflo
Wed Jul 24, 2019 1:46 pm
Forum: Investing - Theory, News & General
Topic: Is there a High Tech Bubble in S&P 500 & Total Market?
Replies: 152
Views: 10033

Re: Is there a High Tech Bubble in S&P 500 & Total Market?

You can always invest in international if you want large companies in other sectors.
by vitaflo
Sat Jul 20, 2019 3:49 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 35
Views: 2738

Re: Dumb phone

by vitaflo
Fri Jul 19, 2019 7:23 pm
Forum: Personal Consumer Issues
Topic: How much data do you have? [data backup issues]
Replies: 20
Views: 1227

Re: How much data do you have?d [data backup issues]

I have about 8TB of data now. 10TB HD's aren't very expensive (<$300), as such I have two and one is what I back up to at home, the other I keep off site at a family member's house. Every time I go over there I swap drives, so I always have a backup off premises (in case the house burns down). All t...
by vitaflo
Thu Jul 18, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Has anyone seen the documentary "Playing with FIRE?"
Replies: 214
Views: 17843

Re: Has anyone seen the documentary "Playing with FIRE?"

Maybe it will appeal to other people who are recently discovering the idea of retiring early? I think it's fairly obvious this is the audience. People who are good at something already don't tend to sit and watch newbies fumble their way through the same thing they did years ago. It's the people wh...
by vitaflo
Sat Jul 13, 2019 4:21 pm
Forum: Personal Investments
Topic: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?
Replies: 40
Views: 4198

Re: OH no, ANOTHER "Should I pay off my Mortgage with Taxable acct" question, with a bit of a twist?

Thank you for the reply. I guess the biggest part of my question was "is it 'correct' to view paying off a mortgage as part of a bond allocation. Your mortgage is a negative bond, in that you are paying someone else's interest on their bond, instead of receiving interest from a bond you hold. So th...
by vitaflo
Tue Jul 09, 2019 7:39 pm
Forum: Investing - Theory, News & General
Topic: Americans believe they need $1.7 million, on average, to retire
Replies: 284
Views: 28498

Re: Americans believe they need $1.7 million, on average, to retire

Indeed it is, but sadly that's life on planet Earth for a lot of people right now. I doubt that driving a garbage truck, working at a sanitation facility, or scrubbing toilets is done by many because they love the work. When I was in high school, during my AP Calculus class is when the garbage man ...
by vitaflo
Sat Jul 06, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3638

Re: buying a 60 or 65 inch tv this weekend. which one?

Not trying to derail the thread, but the "who cares about black levels" posters are missing the point of deep black levels. Black levels matter not mainly because I want to see deep inky blacks instead of dark gray when the credits roll after a movie, but because the contrast ratio is determined no...
by vitaflo
Sat Jul 06, 2019 9:39 am
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 3638

Re: buying a 60 or 65 inch tv this weekend. which one?

ThankyouJack- I don't watch tv much . This may be the reason why my Pioneer Elite still works well after 15 years. I just want a new tv. Uh oh. If you currently have an Elite Kuro (AKA the best Plasma ever made), anything short of a high-end OLED is going to look like crap. You will be particularly...
by vitaflo
Tue Jul 02, 2019 5:52 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 15139

Re: Good times: 2008 vs Now

I'm not asking for predictions, just what people who are older than, say, 40 think of the economy now versus other times I'd compare the current economy to 2000. Not the stock market, that was way more insane back then, but the low unemployment, everyone hiring, and people having fun spending their...
by vitaflo
Sat Jun 29, 2019 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Cash for Home
Replies: 5
Views: 753

Re: Paying Cash for Home

My memory is fuzzy but I think when we did an all cash deal in MD (existing home) we wired funds to an escrow account held by the title company handling the closing. They don't disburse until the property is transferred. Which is basically the same thing that happens with a certified check. The fun...
by vitaflo
Thu Jun 27, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3541

Re: Facebook reading our minds?

And... it's "all of the creepiness/intrusions/etc." that are the reasons why I'm not on FB. It doesn't really matter, FB still has a profile on you. FB has trackers all over the web on millions of sites. If you visit them, they know you were there. If someone on FB knows you, they can make the conn...
by vitaflo
Thu Jun 27, 2019 8:02 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks .. talk me out of it
Replies: 31
Views: 2081

Re: Individual Stocks .. talk me out of it

Ask them if they will give you a guarantee of beating the market after fees. If they won't, then you'll have all you need to know.

In any case, if you have a 3 fund portfolio then you already have the stocks they are picking for you, they're part of your funds.
by vitaflo
Fri Jun 21, 2019 5:37 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 43
Views: 4295

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

My thesis is that if the adopters of Libra are speculators or those wishing to engage in purchasing things on the dark web then the effect on stocks and bonds will be whatever it has been from the other cryptocurrencies already in existence. Probably not too much. Hard to have speculators in Libra ...
by vitaflo
Thu Jun 20, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4331

Re: Career advice — asking for the “gray hair perspective”

Hello friendly Internet strangers - an update on this. It turns out that my supporters within my division (which included several partners) proactively reached out to the head my division (1 level down from CEO) to ask what could be done. The head of my division invited me to dinner last night and ...
by vitaflo
Sun Jun 16, 2019 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4331

Re: Career advice — asking for the “gray hair perspective”

What I am doing is quite cutting edge in my field, and I have very high confidence that others will pay handsomely for it. There are three problems with this approach: a) I really do love the firm I am at, and more importantly, the people there, b) defecting to a competitor is very poorly looked up...
by vitaflo
Sat Jun 01, 2019 10:04 pm
Forum: Personal Consumer Issues
Topic: UPDATE to What to do with a 24" analog CRT TV?
Replies: 58
Views: 3492

Re: What to do with a 24" analog CRT TV?

MandyT wrote:
Fri May 31, 2019 5:51 pm
Apparently there are some older model TV's that are of interest to gamers, but I don't think this is one of them.
Unless it’s a Sony PVM or BVM (not likely), retro gamers won’t care about it.
by vitaflo
Tue May 28, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 51
Views: 5028

Re: Grand Canyon and Sedona

Another option for your son, since you're skipping Hoover Dam is to go to Glen Canyon Dam instead. It's only a couple hours from the Grand Canyon and has a similar feel (both the dam and the bridge). Something to think about if you're trying to fill an extra day.
by vitaflo
Tue Apr 30, 2019 11:39 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 14833

Re: Google sheets not pulling stock prices

Kevin, I added a question to one of my posts, but I think I added it after you already responded, so perhaps you did not see it. Sometimes when I pull up my GS it continues to say "Loading...", for all the tickers, with a comment that an error occurred. If I do a page refresh I get the NAVs. Have y...
by vitaflo
Mon Apr 29, 2019 1:26 pm
Forum: Investing - Theory, News & General
Topic: Google sheets not pulling stock prices
Replies: 112
Views: 14833

Re: Google sheets not pulling stock prices

You can also copy the javascript functions to your PC, which gives you full offline control of your data. Create a web page .html file which calls these functions. Point your browser to the HTML file and... instant data. Once that works, you can create a .csv file for Excel - or scrape the data int...
by vitaflo
Mon Apr 29, 2019 11:05 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 41064

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

On the contrary, if a Venezuelan has US Dollars, that can be easily used to purchase bread and pay for rent. How is a bitcoin better than US dollars? It's not. There is no need for cryptocurrency to stem runaway inflation when you can already invest in international holdings (currency, bonds, stock...
by vitaflo
Sun Apr 28, 2019 4:15 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 33540

Re: "The best and worst U.S. states for retirement"

I wish money magazine kept that website going. Is there any other website you have found with similar capabilities? I think my number 1 would be weather/climate, 2 affordability (including taxes), 3 decent healthcare, 4 desired activities available (astronomy/computer club, Tai Chi master, beach or...
by vitaflo
Fri Apr 26, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle courses
Replies: 45
Views: 5345

Re: Side Hustle courses

Successful side hustles are ones you were going to do for free anyway and then got enough interest that you could start charging for it. Thinking up side hustles out of thin air is not conducive to success unless you really like wasting your time. Everyone thinks it's just "if I do this simple thing...
by vitaflo
Fri Apr 26, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle courses
Replies: 45
Views: 5345

Re: Side Hustle courses

White Coat Investor wrote:
Thu Apr 25, 2019 12:30 pm
There's actually an art to getting Facebook ads to work. I certainly have not mastered it and would be willing to pay something to someone who had.
Remarketing via FB worked really well for a previous biz of mine to help retain users. If you're not doing it you should.
by vitaflo
Thu Apr 25, 2019 11:22 am
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 32655

Re: How did you feel about your 2018 tax returns?

How can you get a "ridiculous" tax deduction with an income under $315K? :) Everything is relative. :) At most, your 199A deduction on that taxable income is in the upper 5 figure range, more likely in the lower 5 figure range. It sure beats a kick in the teeth, but I think lots of people have dedu...
by vitaflo
Wed Apr 24, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: “Smart Home” upgrades?
Replies: 30
Views: 2922

Re: “Smart Home” upgrades?

Anything else you like? - Water sensors next to the sump pump and water heater to detect for leaks. - Garage door sensor that I have sent to warn me if it's open when we're not home or is open past 10pm (ie, we forgot to close it, which is often). - Driveway lights that turn on at sunset and turn o...
by vitaflo
Wed Apr 24, 2019 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17634

Re: Whats the Point of Climbing the Corporate Ladder?

Where I work, the inverse is actually true. The higher you climb, the easier it is for you to be fired. Perhaps, but at least if you are higher up you have a fighting chance at influencing your fate. Peons have to just accept layoffs as they come. In other words, you want to be at the table, not on...