Search found 175 matches

by sans souliers
Mon Jun 08, 2015 10:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Okay, so this isn't a movie, but a series on Netflix. "Grace and Frankie" - - well, episode 1 made me laugh out loud. Lily Tomlin stole my heart a long time ago, and where she goes...there'll be laughs to follow.
by sans souliers
Mon Jun 08, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 10368

Re: What Percent Of Your Annual Expenses Are Property Taxes?

Last year's tax bill was 6.3% -- I expect this year's property taxes, while lower than last year's, will make up a larger portion of this year's expenses, as my expenses are well below those of last year.
by sans souliers
Sat May 16, 2015 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much does social security factor into your retirement income?
Replies: 169
Views: 25188

Re: How much does social security factor into your retirement income?

I retired last year at 60. In the year prior to that, I was playing with Firecalc and other things to come up with as many "DON'T DO IT YET" conclusions as I could reach. I wanted to see if I could handle the worst combination of adverse conditions. In order to do that, I had to rely only on my asse...
by sans souliers
Fri May 15, 2015 9:52 pm
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 12702

Re: passport card faster than passport?

In 2013, during the "government shutdown", I sent in the forms for my passport renewal - I also sprung for the passport card.
17 & 18 days after I mailed in the forms, both passport and card arrived in separate shipments.
Get cracking. Time's a wasting'...
by sans souliers
Thu May 14, 2015 10:15 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 11326

Re: International - Who really is at 40%

I've gone almost two months, and...You made me look -- I'm at 32.8% International.
by sans souliers
Thu May 14, 2015 9:58 pm
Forum: Personal Consumer Issues
Topic: shower glass coating that resists stains? does it work?
Replies: 10
Views: 5427

Re: shower glass coating that resists stains? does it work?

My bathroom contractor told me about this.

Rain-X. The windshield treatment for cars. Apply to an already clean surface, and the water sheets off. It needs to be reapplied periodically, but the cost is negligible and it works.

A squeegee helps, too, on the tile. Hard water will dull the shine.
by sans souliers
Thu May 14, 2015 9:41 pm
Forum: Personal Consumer Issues
Topic: How much can I spend on a car?
Replies: 157
Views: 20843

Re: How much can I spend on a car?

Now that you know a little more about my situation. How much do you think I should spend? I was also wondering is this a good time to splurge or not? Tell me what a boglehead would do.
What's the amount you're able to write on a check?
by sans souliers
Thu May 14, 2015 9:34 pm
Forum: Personal Consumer Issues
Topic: How to suggest downsizing to Parent
Replies: 23
Views: 3565

Re: How to suggest downsizing to Parent

It could be that Mom's hanging on to those two extra bedrooms in the hope of the kids and grandkids coming to visit. There are condos of any size available in lots of locations where she can keep the hope alive and have no more maintenance burdens. Visit her on a snowy day when she's just forked ove...
by sans souliers
Thu May 14, 2015 9:20 pm
Forum: Personal Finance (Not Investing)
Topic: Am I a Millionaire???
Replies: 53
Views: 14404

Re: Am I a Millionaire???

It's a personal choice, but I don't consider the value of the roof over my head or the value of my vehicle as part of my net worth. They're my home and my transportation.
by sans souliers
Thu May 07, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Ex Machina Hey guys, if you could design a robot, what would you consider the necessary components? Of course! Sexy lady robot! Subservient, doesn't talk much, keeps anticipating your needs, ... just make sure the robot doesn't get her hands on the remote, or your goose is cooked. Whoops, too late....
by sans souliers
Wed May 06, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: French press recommendation?
Replies: 32
Views: 6392

Re: French press recommendation?

When looking for a French Press, get the original. Order a spare carafe in case you're clumsy one morning; hopefully you're not barefoot in the kitchen that day.

http://www.amazon.com/Bodum-Chambord-Fr ... B00008XEWG
by sans souliers
Wed Apr 29, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Kill The Messenger The U.S. government, in the 1980's, imports vast amounts of cocaine, builds a distribution network to selected populations in the U.S., encourages the sale and spread of addiction where the money generated is funneled back to Central America to fund Reagan's Iran Contra effort wh...
by sans souliers
Sun Apr 19, 2015 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Taking stock at midlife financially
Replies: 22
Views: 4772

Re: Taking stock at midlife financially

I heard that. I don't think you're ever too pessimistic. It makes for better surprises!

Honestly, you're looking in great shape. Just hang on to caution.
by sans souliers
Sun Apr 19, 2015 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Single best piece of personal finance advice ever received?
Replies: 90
Views: 10703

Re: Single best piece of personal finance advice ever receiv

A guy at work (thank you, Steve Atwood) told me in the lunch room at work "They're gonna introduce something called a 401k and you should jump into it with both feet -- it's a sweet deal." After some explanation and other talk, I said I had no idea how to invest money. What he told me next shook me ...
by sans souliers
Fri Apr 17, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Through Netflix, I watched "Calvary". Thoroughly depressing story - almost surrealistic - maybe it was. If you're feeling down, this flick will show you there are lots of people worse off than you. Main character gets a death threat at the beginning of the story, and wades through a whole week of de...
by sans souliers
Sun Apr 12, 2015 2:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

MoonOrb, I agree with you on Dear White People. There were some moments in the movie I thought the racism was taken too far -- I mean, who in this century actually does or says things like that? It was an eye-opener then, during the closing credits, where they had some actual cases of racism on camp...
by sans souliers
Tue Mar 24, 2015 6:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

PRIDE -- The story takes place in 1984 during the Coal Miners strike in England. At a gay pride parade in London, a group is formed to collect money for the strikers - Lesbians and Gays Support the Miners. The miners' union refuses the first donation, so the members of LGSM pick a miners' union lodg...
by sans souliers
Thu Mar 19, 2015 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring soon ... help with setting up income stream?
Replies: 9
Views: 2237

Re: Retiring soon ... help with setting up income stream?

Vanguard has some guidance on this. People start retirement every day and we've never done it before either.
This is one source. Start here with a five minute video.
https://personal.vanguard.com/us/insigh ... l-strategy
by sans souliers
Wed Mar 18, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 12138

Re: How to plan for early retirement: Healthcare costs

It turned out that my healthcare insurance is roughly $500/month in my state and I fund the HSA for the full $4350, so the original $1000/month estimate was a lucky mistake, since I hadn't included funding the HSA in my original plan. One year in, and the expenses are right on target. Whether it wa...
by sans souliers
Tue Mar 17, 2015 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: How to plan for early retirement: Healthcare costs
Replies: 53
Views: 12138

Re: How to plan for early retirement: Healthcare costs

I retired last year at 60. A few years before I jumped, I did some checking into private health insurance and found that single coverage in an HDHP could reach as high as $1000/month and I was preparing for the max. This was before ACA. No need for unpleasant surprises, I always say. About 6 months ...
by sans souliers
Sun Mar 15, 2015 5:58 am
Forum: Personal Finance (Not Investing)
Topic: Capable to do taxes myself?
Replies: 9
Views: 1345

Re: Capable to do taxes myself?

If I can do it, you can do it. I've been TurboTaxing since 2006. Here's how. Google TurboTax and go to their website. Click where they indicate -- you're getting started. They'll ask you questions, and you'll answer them. At some point you'll get a message that says you just did your taxes. Do you w...
by sans souliers
Sat Mar 14, 2015 1:42 pm
Forum: Personal Consumer Issues
Topic: Ice Dams - now what?
Replies: 51
Views: 7758

Re: Ice Dams - now what?

Walking through town, I've noticed this -- the houses that have ice dams all have gutters. Houses with no ice dams, no gutters. Many are old houses, too. Go take a walk and look for yourself. I'm in a condo complex in CT, and we have gutters with ice dams. We also have gables/dormers without gutters...
by sans souliers
Mon Mar 02, 2015 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Work wants me to train for promotion before giving it to me?
Replies: 18
Views: 1938

Re: Work wants me to train for promotion before giving it to

You've been given good advice.

Step up to the plate, or step aside for someone willing to swing.
by sans souliers
Mon Mar 02, 2015 9:59 pm
Forum: Personal Consumer Issues
Topic: Retiree Poll: Satisfaction with retirement
Replies: 53
Views: 5800

Re: Retiree Poll: Satisfaction with retirement

Now, I will explain why I checked somewhat satisfied... almost a year in, I still haven't yet done things that I envisioned doing in retirement, like learning French, renovating home's lower floor, vacationing in exotic locations, yadda yadda, etc.... But just knowing I have the time and funds to do...
by sans souliers
Mon Mar 02, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Where's your Will?
Replies: 46
Views: 4425

Re: Where's your Will?

Two copies are in my home. One is in an unlocked "fireproof" file box near the front hall closet, and another in my top desk drawer in an envelope marked "Start Here". It's also scanned in my documents file "in the cloud". I would not use a safe deposit box because it's a needless hurdle for anyone ...
by sans souliers
Fri Feb 27, 2015 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 6550

Re: I survived my initial performance improvement mtg. Now w

After a year at your position, you may see yourself as being between a rock and a hard place. Step back from that position and take a look at the bigger picture. Step farther back, see the chain here? Rock - - hard place - - rock - - hard place - - rock - -...... -----> Everybody finds their spot so...
by sans souliers
Wed Feb 25, 2015 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 23152

Re: How much did you have saved up for retirement at age 30?

At age 30, my net worth was a negative number. At age 31, I started my 401k retirement fund in a factory job. Along the way, read about Jack Bogle's project. At age 60, I started my retirement with a Vanguard Flagship IRA rollover account. I'll admit it was a quietly boring (for the most part) and i...
by sans souliers
Mon Feb 23, 2015 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 2800

Re: Help with selling and clean out of older relative's home

Anyone who has told you to do it yourself and to be ruthless about it is speaking from experience, and I agree. When I did my dad's house (thank-you, dad, you did most of the sorting yourself) I made a resolution right then to go through my own "stuff" -- I can truly say if I died tomorrow, it would...
by sans souliers
Sat Feb 14, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Got to see The Kingsman today. FUN -- definitely worth the price of admission.
This will be the first of many, if it's taken up in the right spirit, as a new age 007.
by sans souliers
Sun Feb 08, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

The Theory of Everything -- Eddie Redmayne was an inspired casting for his role as Stephen Hawking. (EDIT -- Oscar for Best Actor) Still Alice - Julianne Moore sinks quietly and desperately into the dementia of Alzheimer's supported by her family. There is no greater tragedy. Moore nailed it. (EDIT ...
by sans souliers
Thu Jan 29, 2015 1:17 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 8742

Re: What age did you move out?

"Captain Jack" (Billy Joel) opened my eyes that I was not on a sustainable path -- a long time ago, I recognized myself in some of the lyrics and made some life changes.
Moving out was one of those changes.
by sans souliers
Tue Jan 13, 2015 11:38 pm
Forum: Personal Consumer Issues
Topic: Nova Scotia in early summer, camping, with dog?
Replies: 11
Views: 2185

Re: Nova Scotia in early summer, camping, with dog?

Remember that early summer temperatures in NS will be like spring in CT. Just keep a sweater handy. In Halifax, there may be some Canada Day (July 1) festivities - I recall the International Tattoo taking place at that time some years. The sun sets rather late in NS near solstice time -- early sunri...
by sans souliers
Sat Jan 10, 2015 9:23 pm
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 26209

Re: WHY is retirement enjoyable / something to look forward

It's nice to pull the curtain aside, look through the window, and admire the beauty of the falling snow without dreading the thought of driving through that mess to get home from work. It's nice to finish a leisurely breakfast and read a newspaper by sunlight until your eyelids get droopy and decide...
by sans souliers
Fri Jan 09, 2015 3:47 pm
Forum: Personal Consumer Issues
Topic: retirement coming, health insurance?
Replies: 26
Views: 4079

Re: retirement coming, health insurance?

Retired in March, 2014 -- age 60. For the months of April through December, I continued coverage through COBRA -- monthly cost $498. For this year 2015, I got a bronze health plan through CT healthcare access site -- monthly cost $496. A few years ago (2009, before ACA), a co-worker told me he had s...
by sans souliers
Sat Dec 06, 2014 12:02 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Gone Girl - If I wasn't in a public theater I'd have been screaming at the screen: don'tdoitdon'tdoitdon'tdoitrunrunrunrunruuuunnnnnnnawaaaayyyy! Interstellar - lost me in space, but nice visuals Birdman - better than I expected, but I'm not sure how the story ended -- I will remember Emma Stone's n...
by sans souliers
Sat Nov 15, 2014 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 7740

Re: Deciding When to Retire

Cosmo said it best. The decision is based upon: 1) when you have enough. 2) When you had enough. Cosmo I had been long preparing for the time when I'd had enough. The yearly Kabuki dance of work performance self-evaluation and goal setting became too laughable and my responses were becoming too hone...
by sans souliers
Sat Nov 15, 2014 11:08 pm
Forum: Personal Consumer Issues
Topic: Who is mailing Holiday Cards this year?
Replies: 52
Views: 6568

Re: Who is mailing Holiday Cards this year?

Since the mid-1980's I have sent out 25 cards each Christmas. They are embarrassingly expensive, and they have been saved indefinitely by the recipients so they now have become collections. If you've ever received or sent cards made by Graphics 3, you know what I'm talking about. Sometimes they say ...
by sans souliers
Sat Nov 15, 2014 10:23 pm
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 12262

Re: Harry's razors

Oh, for cryin' out loud - this is about shaving -- something upon which I spend maybe two minutes/day.

Gillette Sensor, blade gets changed on the first of every month. Done.
by sans souliers
Thu Nov 13, 2014 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pre Retirement Checklist?
Replies: 6
Views: 1471

Re: Pre Retirement Checklist?

There's a checklist at the wiki, something that Victoria inspired in a post contained in this string -- http://www.bogleheads.org/forum/viewtopic.php?f=2&t=130781 As far as personal goals to reach or set before your final day, my friend -- no one can make a better list for you than you. I know this ...
by sans souliers
Mon Nov 10, 2014 10:38 pm
Forum: Personal Consumer Issues
Topic: Anyone have a smartwatch?
Replies: 10
Views: 1717

Re: Anyone have a smartwatch?

I have an iPod nano 6th gen. with nike app to document my (almost daily) walking distances and times w/calories burned. It also stands in as a watch, with maybe 20 watch faces to choose from. Clips to my wristband. This isn't the function you're looking for, though, is it? You're looking for map tra...
by sans souliers
Fri Oct 17, 2014 12:05 pm
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 6364

Re: Is it possible to have a favorite movie

Favorite movie AND favorite book -- To Kill A Mockingbird
by sans souliers
Thu Oct 16, 2014 9:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 73539

Re: Roll Call for the Retirement Class of 2014!

When people ask, "What will you do?", we tell them that we're just looking forward to having control of our TIME.
Having control of your time. When you have it, it's a gift. Enjoy your time in good health, and congratulations!

Was it tough making the announcement?
by sans souliers
Sat Oct 04, 2014 6:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3747
Views: 1066593

Re: What Movie Have You Recently Watched?

Two weeks ago I saw "The Drop". Definitely worth seeing. Last week, on my recommendation, my brother took me to see it with him. This time, I caught something at the end that changed my assumptions of which direction the lives of the characters would take. It was a more sinister direction, one that ...
by sans souliers
Sat Sep 27, 2014 9:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2014!
Replies: 380
Views: 73539

Re: Roll Call for the Retirement Class of 2014!

Victoria! Congratulations! Take some down time and enjoy the transition. And although I agree there are many days that seem like Saturdays, some days have a Sunday feel instead. Wear sunscreen, and throw out the alarm clock. Remember the names of the people who've been your inspirations. Your name p...
by sans souliers
Sun Sep 21, 2014 6:24 pm
Forum: Personal Consumer Issues
Topic: How to clean an acrylic tub?
Replies: 18
Views: 16329

Re: How to clean an acrylic tub?

Bon Ami -- hasn't scratched yet
by sans souliers
Tue Sep 16, 2014 9:14 pm
Forum: Personal Consumer Issues
Topic: The boglehead way to buy furniture
Replies: 56
Views: 9022

Re: The boglehead way to buy furniture

Find out what style you're both able to agree on. Unless you know, you could end up with confusion. Don't buy furniture in sets, or rooms, unless that's what you're settling on. Anything you add to a room with a "set" will probably look out of place. If you have the patience for the long term, find ...
by sans souliers
Fri Sep 12, 2014 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing - Timing Questions
Replies: 8
Views: 1285

Re: New to investing - Timing Questions

Everybody's done it. No matter when they got in -- whether the prices were high or low -- they immediately went to tracking how much they made or lost in the days following their entry. It's an obsession that loses its appeal after a few weeks (maybe for some -- months, years... I could give you a f...
by sans souliers
Fri Sep 12, 2014 9:32 pm
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 4332

Re: New Roof Needed Soon... Advice?

The nice thing about roofs -- everybody's got one. Every town has its good contractors and the other kind. Word of mouth is gold, and it's free. The good ones have predictable pricing, and they're never the cheapest. Remember -- every contractor is wary of new customers. There are good customers and...
by sans souliers
Fri Sep 12, 2014 9:20 pm
Forum: Personal Consumer Issues
Topic: Recommended World War I book
Replies: 48
Views: 5143

Re: Recommended World War I book

gkaplan wrote:Barbara Tuchman's The Guns of August
She earned The Pulitzer Prize for this one. Started it this August for the centennial.