Search found 299 matches

by Just sayin...
Wed Jul 01, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 221
Views: 11634

Re: What is the single best piece of exercise equipment you bought for your home?

No question about it: Peloton. Thus far this year, I’ve exercised ~3,000 minutes (as measured by progress towards the Peloton annual challenge), and have completed 562 total workouts since 1/1/2019 (when I started). I’ve purchased other devices/equipment in the past but, for whatever reason, they ju...
by Just sayin...
Sat Jun 13, 2020 12:18 pm
Forum: Personal Consumer Issues
Topic: heated driveway?
Replies: 91
Views: 4618

Re: heated driveway?

Before I retired, we lived in an area where we sometimes got up to 4’ of snow in a single storm...and had embedded driveway electric-heaters on the steep part of the driveway (about 25 yds). We had a switch in the garage to turn it on/off, and a snow-sensor on the roof to determine when it should be...
by Just sayin...
Fri May 15, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 5019

Re: Peloton Treadmill: Anyone here own one..,,

...We will likely buy almost anything that Peloton produces (rumor has it that a rower is up next), except an elliptical. :mrgreen: I’ve got a Peloton bike and LOVE it - just about 500 rides completed since 1/1/19. I looked at the Tread, but it just wasn’t for me. Interestingly, a friend of mine bo...
by Just sayin...
Sat Apr 11, 2020 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 13254

Re: Executive pay cut request: How to respond?

In the mid-90’s, I worked for a formerly prominent tech company that was experiencing a downturn. They sent out an e-mail requesting employees take a voluntary 5% or 10% paycut for six months, in order to avoid layoffs (I selected 5%). You could, of course, decline. Right after salaries returned to ...
by Just sayin...
Sat Apr 11, 2020 10:59 am
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 360
Views: 29172

Re: just got my $1200 stimulus payment

Thanks for the great ideas! I’m going to give 50% of whatever I receive to local charities and spend the remainder locally at some small businesses.
by Just sayin...
Sun Apr 05, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Honda Accord 2015 Battery Swap Out: do it myself?
Replies: 33
Views: 1381

Re: Honda Accord 2015 Battery Swap Out: do it myself?

Easy. Just be sure you have the tools you need in advance. We live in a desert area now, and replace car/truck battery every 3 years, so I just completed both vehicles’ battery replacement...which took all of 30 minutes. Hardest part was lifting the darn things. As others have mentioned above, just ...
by Just sayin...
Sun Apr 05, 2020 11:24 am
Forum: Personal Investments
Topic: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently
Replies: 112
Views: 11297

Re: Seasoned Bogleheads; What 3 Things Have You Done Financially Related to the Economy Recently

What 3 things you have done as a result of the corona virus induced economic difficulties? 1). Stay the course (as others have mentioned above) 2). Maxed out iBond purchases (DW and I) 3). Cut some expenses (travel, dining out, entertainment) ...and one more: 4). Gifted son and daughter-in-law thei...
by Just sayin...
Sun Apr 05, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: No sports but cable bills unchanged
Replies: 86
Views: 6297

Re: No sports but cable bills unchanged

We cut the cable 3+ years ago because we didn’t want to pay for things we never watched: - Sports - Al Jazeera - Oxygen, HSN, Lifetime - Cartoons - Bad streaming music - Fake News - VH1/MTV - “Reality” shows - Mexican language programming that we can’t understand - ...and many others Instead, like m...
by Just sayin...
Sat Apr 04, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 6119

Re: How are you exercising with gym closures

I’ve been using my Peloton bike 4x/wk, walking about 3-4 mi/dy and have reverted to using my travel exercise bands instead of weights/trainer. I feel like it takes me about 90 mins with the bands to get what I could with 60 mins of physical weights (setup, unfamiliarity with exercises, etc.) but hey...
by Just sayin...
Fri Mar 13, 2020 12:49 pm
Forum: Investing - Theory, News & General
Topic: Well, I am market timing due to coronavirus... Wish me luck.
Replies: 1229
Views: 110190

Re: Well, I am market timing due to coronavirus... Wish me luck.

I only timed a re-positioning of my assets and am trying to take advantage of this drop in order to sidestep potential future tax consequences. Since my SCHB (U.S. stock market fund) had dropped to close to its’ cost, and since my SCHF (Foreign stock fund) was now below what I’d paid for it, I was a...
by Just sayin...
Wed Mar 04, 2020 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Can I contact a laid-off coworker for help?
Replies: 12
Views: 927

Re: Can I contact a laid-off coworker for help?

A few months after departure, I was contacted by my replacement, and was happy to share information with him. That said, I left on very positive terms. If I had been perp-walked out the door by a security guard with a cardboard box, I might have had a different response. I guess it’s all in the situ...
by Just sayin...
Fri Feb 28, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: bought a used laptop on eBay at great price but feel guilty
Replies: 38
Views: 4367

Re: bought a used laptop on eBay at great price but feel guilty

Nyc10036 wrote:
Wed Feb 26, 2020 5:29 pm
...Thoughts?
Yes. Send me the difference between what you paid and what it is worth. I will mindfully distribute the proceeds to the truly needy and most deserving, providing a balm for your guilty conscience. I plan to start at the nearest brew pub. :sharebeer
by Just sayin...
Wed Feb 26, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Do you ever use cash?
Replies: 228
Views: 13837

Re: Do you ever use cash?

Only three kinds of people use cash: Old fashioned people who can't change their habits Paranoid people who think cash is more secure People who fear their spending would go wild with credit cards Or those people like I who try to tip service workers with cash allowing them to choose whether they r...
by Just sayin...
Thu Feb 13, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8250

Re: Costco Tires

I have a large 4wd SUV. I purchased 5 Bridgestone KO2 tires at Costco and had them mounted on my vehicle...and never was able to get them balanced satisfactorily. After 5k miles and numerous attempts at balancing, I finally threw in the towel and asked if I could swap them for another brand. The loc...
by Just sayin...
Mon Feb 10, 2020 1:23 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 264
Views: 20393

Re: What is your most luxury/expensive hobby.

I've only recently quit the most expensive hobby i think that exists. A- circuit horse showing! I mean, maybe buying a yacht is more expensive, but is yachting really a "hobby?" Operating expenses were board/training/lessons monthly from 900 at the cheapest to 2000. At more expensive full service b...
by Just sayin...
Mon Feb 10, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 360
Views: 57279

Re: Whats your number to walk away?

Zip, zero, nada. I hit my number myself, and anything else I could get on the way out the door was gravy.
by Just sayin...
Mon Feb 10, 2020 1:12 pm
Forum: Investing - Theory, News & General
Topic: employer switching 401k, can I move money to my IRA?
Replies: 6
Views: 434

Re: employer switching 401k, can I move money to my IRA?

My previous employer kept the same 401k administrator, but switched the funds from many Vanguard low ER funds, to only crappy, high ER funds. Fortunately, this change occurred < 6 months before retiring, so I transferred all my 401k funds over to a Schwab IRA the day after I retired. Before the swit...
by Just sayin...
Fri Feb 07, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 385
Views: 27794

Re: What is the best concert you ever witnessed?

I saw Stevie Ray Vaughan perform at San Diego’s Street Scene back in the late 80’s - for me, it was the high-water mark of live concerts (and I have attended a LOT). Everything - from the selected playlist, to the mixing/audio, to my location in the crowd was perfect. Stupidly, in 2003 I turned down...
by Just sayin...
Wed Feb 05, 2020 12:54 pm
Forum: Personal Consumer Issues
Topic: Would you drive without a spare tire?
Replies: 193
Views: 11662

Re: Would you drive without a spare tire?

Drive without a spare? Around town - yes. There are numerous services that are available to help in the instance of a flat. And, the associated weight (read: fuel) savings are nice benefits. For our typical road trip? No way. As a matter of fact, that was one of the decision criteria we used when se...
by Just sayin...
Sat Jan 25, 2020 11:33 am
Forum: Personal Consumer Issues
Topic: Google Voice number- no privacy with personal info??
Replies: 26
Views: 2129

Re: Google Voice number- no privacy with personal info??

This subject certainly caught my eye because I've had my Google Voice phone number for years and I use it as my main contact number, it has gone to friends and businesses alike. I Googled my Google Voice number and nothing specifically about me came up. What I got were the usual come ons for websit...
by Just sayin...
Thu Jan 23, 2020 11:59 am
Forum: Personal Investments
Topic: Parking Cash
Replies: 13
Views: 2106

Re: Parking Cash at Schwab

Anyone have a recommendation for parking cash at Schwab? I normally keep this in a HYSA and move it around for best yield/bonus, but I need to move to Schwab to hit a sign-on bonus there. Is there something better than SWVXX? Thanks in advance. About a year or so ago, I looked around Schwab for a p...
by Just sayin...
Thu Jan 09, 2020 11:10 am
Forum: Personal Consumer Issues
Topic: Firm mattress recommendations
Replies: 37
Views: 2243

Re: Firm mattress recommendations

About 3-4 years ago, we needed a new bed. I wanted a firm but comfortable mattress, so did a lot of reading and wound up ordering one of the PowerCore2 Nano beds from Charles P. Rogers: https://www.charlesprogers.com/all-mattresses.html They have new models now (i.e. PowerCore 3), but ours has been ...
by Just sayin...
Mon Jan 06, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: 2020 I Bonds: what's your plan?
Replies: 55
Views: 7665

Re: 2020 I Bonds: what's your plan?

Lastrun wrote:
Sun Jan 05, 2020 10:01 pm
...wait until mid April to see where things are.
+1
by Just sayin...
Sun Dec 29, 2019 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37904

Re: Turbotax 2019 on Amazon

Looks like Basic and Deluxe have all the forms I need and the only difference is the free state with Deluxe. I live in CT and use the state's online system to file my tax return. I've done this for years since TT charges to e-file (even though I run the CT return through TT as a check). Any reason ...
by Just sayin...
Sat Dec 28, 2019 11:11 am
Forum: Personal Consumer Issues
Topic: Recommended physical fitness websites/books/apps?
Replies: 83
Views: 6828

Re: Recommended physical fitness websites/books/apps?

If you're going to do any kind of strength training, you need to get the form right. It's hard to do that from a book or video. It's worth the money to hire a personal trainer for a few weeks or months to instruct and critique you as you struggle to master each exercise. (Yes, I know that some will...
by Just sayin...
Thu Dec 26, 2019 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Goodbye USAA
Replies: 72
Views: 9283

Re: Goodbye USAA

I was a 25+ year USAA customer, but became disenchanted by several onerous and unexplainable premium hikes. Before jumping, I did some research and found that there is a lot more to insurance than just premium prices. Several reviewers mentioned that when comparing claims processing, the field is na...
by Just sayin...
Sun Dec 22, 2019 11:10 am
Forum: Personal Consumer Issues
Topic: What tech wiring in new build house?
Replies: 124
Views: 7389

Re: What tech wiring in new build house?

We are close to completing a remodel of our home. In the process, I had them run CAT6 from the data closet (in a conduit for future changes) to the entertainment center area, and from the data closet (again in conduit) to the home office. I use the data closet, entertainment center and home office e...
by Just sayin...
Sat Dec 21, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Credit Card Hacked 3 times - What is happening?
Replies: 23
Views: 2725

Re: Credit Card Hacked 3 times - What is happening?

1) Sign up for Citi Alerts to notify you by text everytime a transaction is made without your physical card present 2) Use Citi Virtual-Account-Numbers for online or over-the-phone transactions It looks like Citi is moving away from my much-loved and much-used Virtual Account Numbers. First, the do...
by Just sayin...
Sat Dec 14, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: Places to Go Out When You Don't Want to Spend Much or Any Money
Replies: 129
Views: 11254

Re: Places to Go Out When You Don't Want to Spend Much or Any Money

In our city, there are several free Christmas activities (i.e. tree lighting, caroling, etc.) that are fun and entertaining. There are also several free trails and parks for hiking/mountain biking, as well as nice walks along the river. There are a few public tennis courts if that’s your thing, as w...
by Just sayin...
Sat Dec 14, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6759

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

FYI: On a semi-related note, here’s the distribution information for Schwab ETF’s:

https://ims.schwab.wallst.com/repositor ... utions2019

Ex-date: 12/12/2019
Record date: 12/13/2019
Payment date: 12/17/2019
by Just sayin...
Wed Dec 11, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo Dot
Replies: 77
Views: 4065

Re: Amazon Echo Dot

The only things I use my Amazon Echo for are: - “Alexa, turn on/off the Christmas lights” (everything is on Wemo smart switches) - “Alexa, wake me up at 6AM tomorrow morning” - “Alexa, what’s the weather tomorrow/this week?” I find it to be of limited usefulness for me, and feel like my use cases co...
by Just sayin...
Thu Nov 28, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8255

Re: What Items Are You Targeting for Black Friday Sales?

One more thought - several restaurants we frequent are running some sort of holiday sales. They type where you buy $100 gift certificates and you get $20 for you to use yourself. We just buy a few of the GC's for ourselves and keep the $20, netting us a 20% savings in our "going out" costs.
by Just sayin...
Thu Nov 28, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8255

Re: What Items Are You Targeting for Black Friday Sales?

I have a list of things I’m watching: - Thermapen MK4 (found it for 25% off) - Roku Ultra 2019 (found it for $48) - Boos Block Cutting Board - A couple of MAC Knives - Quicken 14 month Premier (found it for $44.99) - Turbotax 2019 (still looking) - Hawaiian Air fare sale starting tomorrow ...and man...
by Just sayin...
Mon Nov 25, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37904

Re: Turbotax 2019 on Amazon

No guarantees...only hope.
by Just sayin...
Mon Nov 25, 2019 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: House considered retirement?
Replies: 33
Views: 2850

Re: House considered retirement?

When I retired, we sold our large, multi-level home in a HCOL area, and purchased a very nice single-level home in a LCOL area...and diverted the difference (minus moving, remodel and furniture costs) into our retirement funds. This additional infusion of cash was not figured into our pre-retirement...
by Just sayin...
Mon Nov 25, 2019 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 347
Views: 37904

Re: Turbotax 2019 on Amazon

I’ve had my CamelCamelCamel (https://camelcamelcamel.com/) search set to alert me to any TurboTax price drops below my target ($40) on Amazon for almost a month now. On Nov 6th, the price of Deluxe+State dropped from $59.99 to $49.99, but hasn’t yet reached my target. Fingers crossed...
by Just sayin...
Mon Nov 25, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Bench press and weights
Replies: 59
Views: 4230

Re: Bench press and weights

I’d advise you to find a good trainer and work with them for a month or two to:

- clarify your goals
- learn good, non injury-producing habits and form
- develop a routine that will work for you

Once you get rolling, you will be much better suited to find equipment that matches your needs.
by Just sayin...
Sun Nov 24, 2019 12:58 pm
Forum: Investing - Theory, News & General
Topic: Where do you go to track performance
Replies: 13
Views: 1002

Re: Where do you go to track performance

longinvest wrote:
Sun Nov 24, 2019 11:02 am
I use our wiki's Calculating personal returns calculator. It can be used online or be downloaded. It calculates returns across multiple accounts.
I’ve been using this for 3 years now, and it gives reliable results. Not flashy or “full-featured”, but it’s free and it works well.
by Just sayin...
Sun Nov 24, 2019 11:40 am
Forum: Personal Consumer Issues
Topic: 70+year Oldies: Anyone buying the C8 Corvette?
Replies: 77
Views: 6130

Re: 70+year Oldies: Anyone buying the C8 Corvette?

...I'm very arthritic and don't/can't get into (or out of) C8, 911, Cayman, Boxster, Lotus, et al and so forth very well. What works for me is a blazing fast AMG 63S Sedan...if not now when? A friend of mine has a GT3RS that I recently rode in. It was very fast, cornered like a go-cart, was very lo...
by Just sayin...
Sun Nov 24, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Apple Watch Cellular?
Replies: 3
Views: 549

Re: Apple Watch Cellular?

DW rides horses - sometimes far away from help. For her birthday, I bought her the latest Apple Watch with the idea that, in the event a fall or problem, it could summon help or place a call. We have a Verizon unlimited plan (the smaller, limited one). After the startup fee dust settled, our net inc...
by Just sayin...
Sat Nov 23, 2019 11:38 am
Forum: Personal Investments
Topic: Do you keep deposting money into IRA while "market crashes"?
Replies: 44
Views: 4539

Re: Do you keep deposting money into IRA while "market crashes"?

I plowed an ever-increasing percentage of my income into all accounts (IRA, Roth, Taxable Brokerage, Deferred Comp, Employee Stock Purchase Plan) through three major downturns and several upturns - all in preparation for retirement. I didn’t ever reduce contributions due to market conditions. For me...
by Just sayin...
Sat Nov 23, 2019 11:29 am
Forum: Investing - Theory, News & General
Topic: withdrawal rate if you’re expecting maximum SS at age 70?
Replies: 35
Views: 4654

Re: withdrawal rate if you’re expecting maximum SS at age 70?

FYI - the Early Retirement Now “Withdrawal Rate Toolbox” (found here: https://earlyretirementnow.com/2018/08/29/google-sheet-updates-swr-series-part-28/) was updated to v2.0 and has a nice way to account for future income streams (Social Security, Pensions, etc.), and backtests your data against all...
by Just sayin...
Thu Nov 21, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 138
Views: 15014

Re: Schwab acquiring TD Ameritrade

As a Schwab customer, I'm curious what TD brings to the table. Are their trading tools better? Do they have a more comprehensive view of non-local accounts (i.e. like Personal Capital)? Do they have access to a wider selection of bonds? Cautiously optimistic...
by Just sayin...
Mon Nov 18, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2035
Views: 217342

Re: [What TV Show Have You Recently Watched?]

Just finished the final season of “The Man in the High Castle”. Somewhat enjoyable, but it felt like the writers ran out of steam near the end.
by Just sayin...
Mon Nov 18, 2019 10:07 am
Forum: Personal Finance (Not Investing)
Topic: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]
Replies: 45
Views: 4398

Re: A sad tale with a good ending ["Preferred" pharmacies vs "non-preferred"]

By using GoodRx, I learned that the everyday cost for a drug I take was >$100 cheaper at Costco than from my plan's online pharmacy WITH insurance. GoodRX saved me another $5 or so. My deductible is $4500, so paying direct makes more sense.Costco's direct drug prices are really good, it's worth che...
by Just sayin...
Sun Nov 17, 2019 11:10 am
Forum: Personal Investments
Topic: Do you regret rebalancing over the last few years?
Replies: 69
Views: 6606

Re: Do you regret rebalancing over the last few years?

No regrets. Since retiring, I’ve rebalanced twice (once this past Friday) over the past two years - both when my stock allocation got above my limit. We’re now down to a 53% stock allocation. If the market goes up again significantly (i.e. if China trade deal is put in place), we’ll have to rebalanc...
by Just sayin...
Sun Nov 17, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Disney plus streaming deal
Replies: 56
Views: 7409

Re: Disney plus streaming deal

Just signed up for the free year because of our Verizon Wireless account. Watched Ratatouille, The Sound of Music and Dumbo already. Our “watch list” is huge and should take us well into 2020. Except for a few stuttering issues early on, it’s been great. And, you can’t beat free.
by Just sayin...
Fri Nov 15, 2019 11:55 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 4758

Re: Charles Schwab or Fidelity?

...One advantage for Fidelity that I've found is that I can sell funds in their money market account and invest them in another fund on the same day. With Schwab, I have to sell the money market funds one day and those funds are not available to invest in another fund until the next day. I don't se...
by Just sayin...
Fri Nov 15, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: for all the talk - do we really need to rebalance that often? at all?
Replies: 25
Views: 2354

Re: for all the talk - do we really need to rebalance that often? at all?

I just today traded 5% stock for bonds because my overall stock holdings have grown so much (my second such trade since retirement - first one was about 1 yr. 3 mos. ago). Fortunately, I did this in a tax-advantaged account, so there was no tax hit. If the stock market goes up another 10%, I’ll like...
by Just sayin...
Fri Nov 15, 2019 11:32 am
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 4758

Re: Charles Schwab or Fidelity?

I have both (Fidelity was through work, Schwab is for personal). I like/trust my local Schwab guy, low fees, no-fee checking and ATM privileges, and their Pinnacle service. Fidelity has my HSA account because Schwab does not offer these, and also holds my deferred compensation investments. IMHO, bot...