Search found 192 matches

by Just sayin...
Sat Jun 30, 2018 11:00 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349358

Re: What are you up YTD? [Year To Date]

44% Domestic Stock, 9% International Stock, 47% Bonds: up 1.0% YTD as calculated by the Bogleheads returns spreadsheet v1.9.
by Just sayin...
Sat Jun 30, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3906

Re: Anyone Tried Youtube TV Yet?

We cannot get YouTube TV in our area, and I don’t feel like trying to play the “VPN game” - so no.
by Just sayin...
Wed Jun 06, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Decisions and purchases before retirement
Replies: 16
Views: 1549

Re: Decisions and purchases before retirement

My pre-retirement plan included: - fund and mostly complete all house maintenance tasks (paint, landscaping, carpet, etc) in preparation for sale and downsizing - new car to replace company car that I’d lose. Make sure other vehicle is 100% sound (tires, maintenance, etc.) - maximization of all cash...
by Just sayin...
Tue Apr 03, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Tires: Where to Get? Warranty? And Questions?
Replies: 74
Views: 6341

Re: Tires: Where to Get? Warranty? And Questions?

I usually buy my tires at Costco, but last fall, decided to buy my new Blizzaks through Discount Tire. Three tries and they COULD NOT BALANCE them. I went to Costco and explained what happened...and they balanced them correctly FOR FREE. The Discount Tire grease monkey got his back up, telling me wh...
by Just sayin...
Wed Feb 28, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Webpage - anything better?
Replies: 9
Views: 970

Re: Schwab Webpage - anything better?

I have a huge monitor and don’t access Schwab in a public area. I’m fairly happy with the new layout, but feel that the recently-added account aggregation features could use some more work. For example, there is NO good way to display and update accounts that are near-impossible to get electronic up...
by Just sayin...
Wed Feb 28, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 19819

Re: What was your % pay raise?

(100%) - as of 1/1/18, I’m free!!!
by Just sayin...
Wed Feb 21, 2018 9:33 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 14319

Re: What big item (>20k) are you saving up for?

Saving about $400 to $600 a month for a replacement car...in about 10 years. Just about when our existing car is worn out, I’ll have the cash for its’ replacement.
by Just sayin...
Wed Feb 21, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 10553

Re: Do you wear a wedding band? [at a job interview]

Every day, except when I lost it in the Deschutes River while fishing (later, found it!) or when it fell off my finger while washing the car in the cold (wife found it). At first, wearing it bothered me. However, I now go for a week or more without noticing it. So yes - I wear it in a job interview,...
by Just sayin...
Wed Feb 21, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: what should be the subject line when contacting previous employer
Replies: 10
Views: 795

Re: what should be the subject line when contacting previous employer

As others have said, anything substantive should be handled F2F. If you and your boss had a good relationship, something like golf, beer of coffee is a great way to chat. If less so, you might find out if he’ll be at a local trade show or speaking event, and make plans to get together for a quick 1:...
by Just sayin...
Wed Feb 21, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 9506

Re: How many of you use the "4% rule" during retirement?

Vanguard has an interesting piece of research about 4% rule with additional ceiling and floor, which makes for a safer spending, adjusting for market conditions: http://www.vanguard.com/pdf/s823.pdf They've just about summarized my approach. Their starting WR is 4%, their ceiling is 5% and their fl...
by Just sayin...
Wed Feb 21, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 9506

Re: How many of you use the "4% rule" during retirement?

Why would you withdraw money that you are not spending with the consequence that your checking account goes crazy? For now, we are merely accumulating cash in case some of my budgetary estimates were way off (i.e. medical expenses). If our spend levels continue to underpace our withdrawals, then it...
by Just sayin...
Tue Feb 20, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: How many of you use the "4% rule" during retirement?
Replies: 68
Views: 9506

Re: How many of you use the "4% rule" during retirement?

Retired 12/31/2017. Our initial withdrawal rate is 3.1%, with the ability to lower it to 2.6% if need be - resetting annually. As things play out, we will likely be able to “loosen the screws” considerably, but at 3.1% our budgeted post retirement spend is considerably higher than in pre-retirement ...
by Just sayin...
Wed Jan 31, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: Wireless Earbuds For Running (Updates for 2018?)
Replies: 36
Views: 2544

Re: Wireless Earbuds For Running (Updates for 2018?)

I went with the Bose Soundsport wireless earphones. That said, it really depends on your individual ear - what I mean is that the Apple Airpods just don’t work in my ears, so I gave them to my son who loves them. I was able to configure the Bose units to fit my ears perfectly...and not fall out. So,...
by Just sayin...
Tue Jan 02, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth for Bonds
Replies: 3
Views: 444

Re: Net Worth for Bonds

Great - thanks for the quick and helpful replies. :sharebeer
by Just sayin...
Tue Jan 02, 2018 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Net Worth for Bonds
Replies: 3
Views: 444

Net Worth for Bonds

Hello BH'ers, Do you use Par Value or Market Value of bonds when calculating your net worth? I hold some individual corporate and muni bonds, and the difference between the two is about $50k to $55k. Not a huge amount, but still $125/mo when using a 3% SWR (NOT that I'm using SWR) for your allowable...
by Just sayin...
Wed Dec 27, 2017 9:31 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 43556

Re: What frugal thing did you do today?

During winter months, I take each of our cars through the local car wash either once a week or every other week, weather permitting. I do this because they have an undercarriage wash that helps counteract the negative effects of the salt they use on the roads here. Today, they had a “buy 4, get 5” p...
by Just sayin...
Wed Dec 13, 2017 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 3855

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

I contribute the max to DW & my IRA on the first trading day of every year, then convert it to Roth one week later. Been doing it for a while now...
by Just sayin...
Tue Dec 12, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Snow Tires? Worth it?
Replies: 147
Views: 7934

Re: Snow Tires? Worth it?

+1 for snow tires and the Blizzaks recommendation. I own the same car as OP and have these tires also. They will make a world of difference in dicey weather. My state requires snow tires or chains on certain roads. Something to consider, will you be traveling where some of the roads have this type ...
by Just sayin...
Wed Nov 15, 2017 12:57 pm
Forum: Personal Consumer Issues
Topic: Paying for news?
Replies: 60
Views: 4678

Re: Paying for news?

I pay for two news sources: WSJ Digital, and billoreilly.com. The rest is taken from various websites and from watching free youtube streams of actual events in full, uncolored by commentating opinion. Seems to work for me.
by Just sayin...
Mon Nov 13, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 8269

Re: Costco for tires and car insurance?

technovelist wrote:
Mon Nov 13, 2017 11:38 am
What does auto insurance have to do with horses? :confused
We have a horse trailer to move them around (my wife likes going to shows). When I mentioned that we had a horse trailer, they stopped the conversation immediately.
by Just sayin...
Mon Nov 13, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 78
Views: 8269

Re: Costco for tires and car insurance?

OP, I live in your city and have first-hand experience with both Costco and DT in the past month. The prices vary back and forth depending on current sale deals, but the tie-breaker is which employee you deal with. For example, I had DT mount my new Blizzaks on some take-off rims I bought unused at ...
by Just sayin...
Mon Nov 13, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: What's your weighted average expense ratio?
Replies: 65
Views: 4292

Re: What's your weighted average expense ratio?

0.07% - yes, you read that right. And I’ve worked hard to get it there...
by Just sayin...
Mon Nov 13, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: How do you project the amount you will have to spend annually in retirement?
Replies: 76
Views: 5269

Re: How do you project the amount you will have to spend annually in retirement?

For my retirement, I run a number of tools (FIREcalc, Fidelity Retirement Planner, iORP, Personal Capital, ERN’s SWR toolbox, Living off Your Money spreadsheet, VPW spreadsheet, etc.), then take the lowest 100% success rate spend amount from the bunch and subtract 25% from it to derive a spending ta...
by Just sayin...
Thu Oct 19, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Personal Capital
Replies: 18
Views: 2450

Re: Question about Personal Capital

I’ve been receiving calls from PC every 3-4 weeks. Unfortunately, their number looks enough like my corporate exchange, that I’ve picked up at times I could not talk...only to be launched into a sales schpiel. They are now blocked...
by Just sayin...
Mon Sep 25, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 95
Views: 7008

Re: Do you subscribe to digital newspapers?

I get the WSJ digitally and read it most days. If you scour the internet, there are sometimes deals to be found...
by Just sayin...
Mon Sep 25, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 6312

Re: Vanguard charged me $140 in service fees

staythecourse wrote:
Mon Sep 25, 2017 8:05 am
Just curious why would you ask us (a random internet forum) instead of just calling Vanguard themselves and discussing the issue with them?

Good luck.
Likely, because many of the members here are Vanguard fans and have all kinds of experience with them. It’s called research.
by Just sayin...
Fri Sep 15, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31624

Re: Iphone X is $1000

One more thought. The new iPhone X is not a net $1,000 or $1,150 expense. Likely, you are replacing an existing phone that can be sold on any number of sites. You'll have to figure that delta into your investment analysis numbers. In our case, the broken-screen unit is worth about $100. For others w...
by Just sayin...
Thu Sep 14, 2017 7:34 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31624

Re: Iphone X is $1000

Assuming by "damaged" you mean "cracked the screen", why not just get the phone replaced for $129 ? Even if you wind up selling it, you should get more for a refurb in perfect condition than an old device that's all dinged up. Yep - that is where this started: with the screen being cracked. However...
by Just sayin...
Wed Sep 13, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 31624

Re: Iphone X is $1000

I'll likely get it. But here's my rationale: my son's new wife just damaged her iPhone 6. So I'll buy the iPhone X for me, give my iPhone 7 to my wife, she gives her iPhone 6S to our new daughter-in-law, and I take the damaged iPhone 6 and sell it on eBay. All that, plus it's got better cameras, 2 h...
by Just sayin...
Wed Sep 13, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 9432

Re: Best Lower Cost USA Cities to Live

And now a large swath of hiking is ruined by wildfires (started by negligence of visitors). I thought those miscreant kids were locals, not far visitors but from just from across the river in Vancouver, which is just about as close to Multnomah Falls as Portland is if my recollection from visiting ...
by Just sayin...
Wed Sep 13, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 9432

Re: Best Lower Cost USA Cities to Live

...This is exactly why I can't move to the deep south. TX is about as close as I can get. Southerns want you to believe they are hospitable to everyone, unless you go to the church on the other side of town. No government intrusion in your life - except I can't buy liquor on Sundays for some reason...
by Just sayin...
Sat Aug 12, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Life at crossroads. What would you do ?
Replies: 198
Views: 21320

Re: Life at crossroads. What would you do ?

I work or have worked at three of the companies on Klang Fool's list linked above. Ageism is a real thing and he might be running into it here. Yes - age 40 is a mental barrier at many of the companies mentioned. Age 50? Virtually unemployable. That said, there are hundreds of opportunities at compa...
by Just sayin...
Sat Aug 12, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 19658

Re: How far would you travel to see The Eclipse?

About 30 feet - up a staircase, then over to the upstairs deck (we're in the totality zone). Biggest challenge will be making sure my coffee doesn't spill while climbing the stairs.
by Just sayin...
Wed Aug 02, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 9476

Re: How far off are Zillow's estimates?

Over the course of the past two months, Zillow has valued my home +$100k and then down $250k (a $350k swing). They deleted the upwards swing on their site and zesstimate graph (erased their mistake?), but it was permanently captured in Personal Capital's wealth aggregator, so there's some proof. I c...
by Just sayin...
Fri Jul 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 6142

Re: Keurig vs coffeemaker - and the Keurig won

Previously, when my VP17 was new in 2012, I was only able to achieve 180F at the spray head - as measured a calibrated thermometer. When I contacted Bunn, they said this was normal. Some internet sleuthing pointed me to a Bunn Tea thermostat (Bunn p/n 03024.0005) - which could be made to work, and r...
by Just sayin...
Fri Jul 21, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Keurig vs coffeemaker - and the Keurig won
Replies: 53
Views: 6142

Re: Keurig vs coffeemaker - and the Keurig won

Keurig is OK if in a hotel, a corporate environment, etc. where good coffee is not available. At home I would LOVE to use a French Press, however due to Cafestol concerns (http://www.sciencedirect.com/science/article/pii/S0963996912002360), I'm forced to use a paper-based drip filter. So I grind my ...
by Just sayin...
Fri Jul 14, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Work Discount Stock Purchase Plan - When to Sell
Replies: 15
Views: 1102

Re: Work Discount Stock Purchase Plan - When to Sell

Quicksale. Same day transaction. Take your money off the table and diversify. That's what I do...
by Just sayin...
Fri Jul 14, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 9559

Re: Do you consider business travel to be a perk or a burden?

For me, a little business travel goes a long way. But seriously, I've traveled for most of my career. I've seen many places, but have missed many important personal events along the way. So recently, when my Megacorp cut our quarterly T&E budgets to about 30% of what they had been previously, I smil...
by Just sayin...
Wed Jun 28, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Slide rule anyone?
Replies: 88
Views: 9932

Re: Slide rule anyone?

Late reply, but I had to add engineers (and slide rules) are cool:

https://m.youtube.com/watch?v=waiprjueVpQ

BTW - the SR-71 wasn't designed using iPhones and "new math".
by Just sayin...
Fri Jun 23, 2017 10:59 am
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 11917

Re: Costco vs. Amazon - Thoughts of Prime Members?

Re: Whole Foods. Relish the experience, because it will change, whether via Amazon or Wal-Mart's control: http://www.businessinsider.com/jpmorgan ... ods-2017-6
by Just sayin...
Sun Jun 18, 2017 9:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 315
Views: 51422

Re: Roll Call for the Retirement Class of 2017!

Just sayin - Are you still on board for your June 30th launch? :D Were you able to put together a good health insurance plan? Hi Miriam, I am currently on extended vacation (using it all up) and will turn in my notice on July 5th! :sharebeer This is a netherworld that I'm finding very enjoyable - s...
by Just sayin...
Thu Jun 15, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 85
Views: 8917

Re: Do You Take Your Credit Card Receipts?

I have a phone with a built-in camera. I just snap a picture of the original receipt, after all amounts have been calculated and it has been signed, then use the image to reconcile any discrepancies. I also round every transaction to the nearest dollar (where tipping is involved) so that any transac...
by Just sayin...
Tue Jun 13, 2017 10:56 am
Forum: Personal Consumer Issues
Topic: Good Digital Tire Gauge
Replies: 21
Views: 2664

Re: Good Digital Tire Gauge

I like this gauge, which works on both Presta (fancy bike) and Shrader (normal car tire) valves. https://www.amazon.com/Topeak-60100005-D2-SmartGauge/dp/B0051LQ0X4/ref=sr_1_1?ie=UTF8&qid=1497367651&sr=8-1&keywords=topeak+gauge I have/had that gauge and had to recently send it back. It consistently ...
by Just sayin...
Fri Jun 09, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How often do you redeem your credit card cash rewards?
Replies: 54
Views: 4719

Re: How often do you redeem your credit card cash rewards?

Every January. Use the proceeds to partially fund my backdoor Roth.
by Just sayin...
Fri Jun 09, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: Opticians: is there any difference in quality of Costco glasses?
Replies: 70
Views: 82867

Re: Opticians: is there any difference in quality of Costco glasses?

I've been wearing Costco glasses for ~20 years, and won't go anywhere else. Well, unless I go for contacts, then it's Costco again. I am 100% satisfied with their quality, service, and pricing.
by Just sayin...
Wed May 24, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity customer protection guarantee-void if you use Mint?
Replies: 39
Views: 5934

Re: Fidelity customer protection guarantee-void if you use Mint?

It's really a shame that the large financial services institutions don't establish separate "query-only" access methods. Given how interconnected things are getting, it makes sense that you should be able to allow access to information, but not to actually *do* anything...
by Just sayin...
Wed May 24, 2017 11:44 am
Forum: Investing - Help with Personal Investments
Topic: IRA to 401K rollover + Backdoor IRA in same year
Replies: 9
Views: 1146

Re: IRA to 401K rollover + Backdoor IRA in same year

I completed an IRA to 401k rollover in Dec 2010, then did a Backdoor Roth in Jan 2011 (and every year since). I sanity-checked it with a couple accountants, and it passed the IRS review (mini-audit in the same year for another, unrelated item). I'd use a tax-year separator for the two transactions...
by Just sayin...
Wed May 24, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: A gem Livesoft uncovered
Replies: 64
Views: 12585

Re: A Gem from Livesoft

Chapter Seven provides a link and instructions on how to access their data and calculations for your particular situation: https://earlyretirementnow.com/2017/01/25/the-ultimate-guide-to-safe-withdrawal-rates-part-7-toolbox/ It took me a while to get my mind around their methodology, which seems bac...
by Just sayin...
Mon May 15, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Switch from iPhone to Google Fi and Pixel?
Replies: 37
Views: 5226

Re: Switch from iPhone to Google Fi and Pixel?

Thanks for starting this thread. I've been thinking about going the same route, but might make the following changes: - Pixel 2 (when they come out) + Google Fi for me - iPhone 7 ( my current phone) + some cheap Verizon MVNO for DW That way, when we travel somewhere together, we're more likely to be...
by Just sayin...
Mon May 15, 2017 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 230
Views: 48053

Re: Regret early retirement/downsizing

I am currently in the grey-zone in-between having stopped working, and being off the books (i.e. No more benefits, pay, etc.). Should I ever experience any future regret at my decision to retire early, all I need to do is review the following list: - Office Politics - Ever-increasing scope / reduced...