Search found 268 matches

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: 7505

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: 7505

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: 213
Views: 19338

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: 2650

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: 213
Views: 19338

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: 3620

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: 832

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: 67
Views: 4291

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: 463

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: 4179

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: 4042

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: 131
Views: 12702

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: 1571
Views: 170469

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: 4092

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: 6207

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: 6510

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: 3623

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: 2150

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: 3623

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...
by Just sayin...
Fri Oct 11, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Calculators
Replies: 13
Views: 1912

Re: Retirement Calculators

Here are two more: Firecalc (free): https://www.firecalc.com/ (RMD’s not specifically figured - you have to manually put them in) MaxiFi Planner (for fee): https://maxifiplanner.com/smarter-personal-financial-and-retirement-planning-software (many variables) Both seem pretty good and are used widely.
by Just sayin...
Fri Oct 11, 2019 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Phone call from First Data re possible debit card fraud
Replies: 7
Views: 806

Re: Phone call from First Data re possible debit card fraud

blackholescion wrote:
Fri Oct 11, 2019 10:07 am
The best thing to do in these situations is hang up and call Fidelity. Ask them if you are supposed to have received a phone call from First Data. I do this every time I get a call I wasn't expecting from a financial institution.
100% agree with this, and do the same myself.
by Just sayin...
Mon Sep 16, 2019 10:06 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 9501

Re: Do You Tip At Counter Service Restaurants?

Glockenspiel wrote:
Mon Sep 16, 2019 12:00 pm
...I'd probably spit in your food if you left a tip of $1 or $2 on a $150 bill...
Figured I’d point out that this is technically a battery:

https://vistacriminallaw.com/spitting-i ... alifornia/

Don’t do the crime if you can’t do the time.
by Just sayin...
Sun Sep 15, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: Switched from Verizon's postpaid plan to prepaid: Saved 38%
Replies: 91
Views: 9773

Re: Switched from Verizon's postpaid plan to prepaid: Saved 38%

rbrand1 wrote:
Sat Sep 14, 2019 11:14 pm
...our LTE speeds were greatly reduced, and many times I couldn’t get any data when inside buildings. Never had that problem before...
I considered switching, but was afraid of this happening. Is this Verizon’s way of dialing back what you get when you try to pay less?
by Just sayin...
Thu Aug 22, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8526

Re: Anybody else enjoy sitting around and doing little in retirement?

I gave some advance consideration to the topic of what I would do when I retired, but didn’t plan out a comprehensive agenda. Since retirement though, I’ve been just as busy as pre-retirement...just in different areas. I’m now working out 6x/wk, traveling (day- and longer trips), taking a few art cl...
by Just sayin...
Mon Aug 19, 2019 11:57 am
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13973

Re: When Did You Ease Up On Saving Aggressively?

At time of retirement. That's when it's time to harvest the fruits of our labors. We had reached our "number" before that time. +1. Saved at the same rate up to the day of retirement, then switched to a more generous spend model. I set this as a goal a few years before retirement as a reward I coul...
by Just sayin...
Sun Aug 18, 2019 10:23 am
Forum: Personal Consumer Issues
Topic: New laptop advice
Replies: 39
Views: 2528

Re: New laptop advice

...I also have a Dell XPS13 provided by my employer, and the mousepad device on it is dramatically less precise than the Lenovo Trackpoint; it's like trying to use a mouse wearing mittens... I too have an XPS13 - purchased from Costco with 16 GB RAM (I’ve upgraded the SSD to 2TB). If there were one...
by Just sayin...
Mon Aug 12, 2019 11:45 am
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 11150

Re: Healthy fast food

Many fast food restaurants add ingredients to enhance flavors (i.e. MSG) or to satisfy tastes (sugar & sodium). DW is incredibly sensitive to MSG and gets a headache as a result of consumption. I am in the “get healthy” phase of my early retirement, and have eliminated added sugar and surplus sodium...
by Just sayin...
Sun Aug 11, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Schwab as a one stop shop
Replies: 62
Views: 7421

Re: Schwab as a one stop shop

I use Schwab for my banking and investing, and Fidelity for my HSA. Due to a relationship with two former employers, Fidelity also manages my deferred compensation and pension. If I could choose, I’d move everything to Schwab but, since they don’t offer HSA’s and my deferred compensation and pension...
by Just sayin...
Wed Jul 31, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3587

Re: Personal Trainer for Physical Balance

Sort of. One of the exercises the Personal Trainer I’m working with had me using a Bosu Ball (https://en.m.wikipedia.org/wiki/BOSU) in conjunction with various weight balls held, thrown and caught rebounding from a small round trampoline - all in order to strengthen core. Without realizing it, the c...
by Just sayin...
Wed Jul 31, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: How are prescription costs determined?
Replies: 13
Views: 1022

Re: How are prescription costs determined?

I had the exact same experience earlier this year when buying a cholesterol med (much cheaper using GoodRX coupon vs. my insurance). Not an issue any more, as I’ve gotten my numbers back to normal with change in diet, exercise and weight loss, but it’s bizarre that your net cost goes UP when using i...
by Just sayin...
Wed Jul 31, 2019 11:56 am
Forum: Personal Consumer Issues
Topic: Recommended free fitness apps for Smart TV (Fire TV)
Replies: 7
Views: 502

Re: Recommended free fitness apps for Smart TV (Fire TV)

Recently, I took a 2-week vacation, and wanted to keep up with my workout regimen. I researched and purchased the lower-intermediate Bodylastic band set on Amazon, and then found their 5 free accompanying YouTube workouts. They have a pay site where you can find lots more, but being a money-saving t...
by Just sayin...
Mon Jul 29, 2019 9:47 am
Forum: Personal Consumer Issues
Topic: Do you buy the highest trim car ?
Replies: 120
Views: 8205

Re: Do you buy the highest trim car ?

I am at odds with most car manufacturers. I like a good stereo and want all the advanced safety features, but don’t want a sunroof. However, almost every manufacturer forces you into a higher-end model to get what I want, but won’t sell you a non-base model without a sunroof! I know....first world p...
by Just sayin...
Sat Jul 27, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6823

Re: Recommendation for home gym (limited space)

Late to this thread, but I’ve found that using resistance bands while traveling give me largely the same workout I get at my local gym. Based on this review by The Wirecutter (https://thewirecutter.com/reviews/best-resistance-bands/), I purchased the medium-sized Bodylastics set ($40), along with a ...
by Just sayin...
Fri Jul 12, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Should I Buy a Motorcycle?
Replies: 59
Views: 3420

Re: Should I Buy a Motorcycle?

I bought a recently-reintroduced Honda Monkey for the grand sum of $3999, and am LOVING it. I use it for short trips to my local store, putting around the neighborhood, when camping (fits easily in the bed of the truck), and it scratches my lifelong motorcycle itch quite nicely. And, if I get tired ...
by Just sayin...
Thu Jul 11, 2019 2:03 pm
Forum: US Chapters
Topic: Your USER NAME...what does it mean?
Replies: 470
Views: 61994

Re: Your USER NAME...what does it mean?

I’m Just sayin...
by Just sayin...
Tue Jul 09, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 8422

Re: (Tall) Buyer Beware: Honda Accord.

Had to read this as I’m 6’7. I clearly recall that the world changed as I grew past 6’4. Even though it was 46 years ago. I know instantly if a car will be comfortable, let alone safe to drive. But I sympathize with you since you have more options. I’m 6’6” and have a greater percentage of my heigh...
by Just sayin...
Tue Jul 09, 2019 10:56 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11891

Re: What backup service to use?

I'm using BackBlaze right now after Wirecutter recommended it. Seems to run seamlessly, and needs less system resources (memory) than CrashPlan which I used to use. Same here (now BackBlaze, formerly CrashPlan). I have a desktop, a standby mini computer, and a laptop. The desktop and laptop are syn...
by Just sayin...
Wed Jul 03, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Peloton spin bike worth the high cost?
Replies: 104
Views: 16142

Re: Peloton spin bike worth the high cost?

Based on feedback from my “real” cycling friends, I skipped Peloton about 1.5 years ago and got a WAhoo KICKR, along with a Zwift subscription on my iPad to use with my mountain bike. From the get-go, I was plagued by problems (bluetooth connection issues, rear gear alignment issues, etc. etc. etc.)...
by Just sayin...
Tue Jul 02, 2019 10:20 am
Forum: Personal Consumer Issues
Topic: Keep garage 'cooler' during summer
Replies: 31
Views: 3834

Re: Keep garage 'cooler' during summer

I have a south-west facing garage door and it gets HOT inside during summer afternoons - especially when bringing hot vehicles in. I put a locking security screen door on the opposite side of the garage (the cooler side), and am installing a thermostatically-controlled fan in the ceiling. When it ge...
by Just sayin...
Thu Jun 20, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 183
Views: 29339

Re: Don't pay full price for SiriusXM radio

I cant believe people still listen to sirius radio. Podcasts are free, you actually learn stuff, and it makes whatever drive or commute you have much more enjoyable. We have a lifetime subscription to XM in my wife’s truck - purchased a while ago. The other day, I took the truck down to Costco to g...
by Just sayin...
Wed Jun 19, 2019 12:11 pm
Forum: Personal Investments
Topic: Portfolio Tracker that keeps track of dividend reinvestment
Replies: 6
Views: 917

Re: Portfolio Tracker that keeps track of dividend reinvestment

Based on a couple glowing recommendations on other threads, I gave Fund Manager a try (https://www.fundmanagersoftware.com/). It’s got a steep learning curve and only runs on windows, but it’s exceptionally well done and the developer is VERY responsive in the support forum. I have my copy installed...
by Just sayin...
Tue Jun 18, 2019 8:42 am
Forum: US Chapters
Topic: Arizona Chapter
Replies: 116
Views: 17936

Re: Arizona Chapter

I’d love to be a part of this as well. I’m in the Scottsdale area, and can help if need be.
by Just sayin...
Tue Jun 18, 2019 8:36 am
Forum: Personal Investments
Topic: Best place for temp cash in Fidelity HSA?
Replies: 11
Views: 1279

Re: Best place for temp cash in Fidelity HSA?

Great question - I’ve got $8k in my account just earning the minimum. I’ll check out the MM tab and triple (or more) the meager interest I’m receiving. Thanks!
by Just sayin...
Tue Jun 18, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 3230

Re: Recommendation for light beer.

My choice is to drink less of something I enjoy more which helps cover questions about quality and price. +1. I’d just not drink beer if it meant I had to settle for something of poor quality or taste. I LOVE a good IPA and, because of my 6/1/2018 complete change of diet, limit myself to one per mo...
by Just sayin...
Tue Jun 18, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 47542

Re: What lifestyle creep made you happier?

Top-notch personal trainer 3X/wk. Between these workouts, my Peloton bike, and completely changing my diet and activity level, I’m in the best shape of my life. Now, I’m able to soundly sleep all night (quite an accomplishment for me), feel comfortable at a beach or poolside resort in just a pair of...
by Just sayin...
Sat May 25, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: Any audiophiles on this forum?
Replies: 58
Views: 4792

Re: Any audiophiles on this forum?

I'm not directly answering OP's question in this post, but would like to say something, which is strictly about myself. I used to be an audiophile, with a lot of equipment (which I won't attempt to price, not even adjusted by measured inflation). Among other things I got interested in music styles ...
by Just sayin...
Tue Apr 30, 2019 11:15 am
Forum: Personal Consumer Issues
Topic: Car insurance shopping - worth leaving USAA?
Replies: 36
Views: 2488

Re: Car insurance shopping - worth leaving USAA?

We were with USAA for > 30 yrs. but recently moved/downsized and saw our Umbrella insurance increase by 157% (yes, that number is right). When I called to ask about this huge increase (home and auto were higher, but not as much as the umbrella increase), I was informed that this was no mistake. So, ...
by Just sayin...
Fri Feb 08, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11460

Re: Money saving move you regret the most?

I overbought supplies at Costco to take advantage of sale prices, only to have to move much of my “storehouse” about a year later when I retired and we moved/downsized.