Search found 207 matches

by Just sayin...
Mon Nov 19, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 81
Views: 11107

Re: How do Bogleheads buy cars?

1). Select exactly what I want
2). Shop around and get a good (not great) deal - consider it the price of reduced stress
3). Keep it a LONG time
by Just sayin...
Mon Nov 19, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 95
Views: 15521

Re: Don't pay full price for SiriusXM radio

...btw -- i pay magazine subscriptions by check -- that way they can't auto renew me at the higher price. I pay using a Citibank Virtual Account Number - set for the exact dollar value of the original charge. Makes vendors (i.e. WSJ, Paypal, XM, etc.) NUTS when they go to automatically charge your ...
by Just sayin...
Sun Nov 11, 2018 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Holding Title to Property
Replies: 2
Views: 320

Re: Holding Title to Property

We hold our property in a trust because of anonymity. When we purchase, the name of the trust is registered on the title, along with the primary trustee (our attorney). Upon close, our attorney resigns as trustee and DW and I (being successor trustees) are promoted. Easy-peasy.
by Just sayin...
Fri Oct 26, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?
Replies: 25
Views: 2426

Re: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?

Two of my friends (one an employed engineering manager, the other a retired chemical scientist) both independently researched and bought the Genesis V6 model (they don’t know each other and live in different parts of the US). I trust each of these individuals and consider them at or near the top of...
by Just sayin...
Thu Oct 25, 2018 11:10 am
Forum: Personal Consumer Issues
Topic: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?
Replies: 25
Views: 2426

Re: Hyundai/Kia Recall (sudden fires). Should I avoid these cars (or Genesis)?

Two of my friends (one an employed engineering manager, the other a retired chemical scientist) both independently researched and bought the Genesis V6 model (they don’t know each other and live in different parts of the US). I trust each of these individuals and consider them at or near the top of ...
by Just sayin...
Thu Oct 25, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 934
Views: 101384

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

We just finished season 1 of “The Fabulous Mrs. Maisel” on Netflix. Before we started, I was kind of ho-hum on the whole idea, but my wife’s friends had recommended it, so we persisted. Turns out, I liked it and am looking forward to season 2 being released this coming December. While not of the cal...
by Just sayin...
Sat Oct 06, 2018 11:41 am
Forum: Personal Consumer Issues
Topic: Microsoft Windows 10 Update might cause data loss [Build 1809]
Replies: 22
Views: 2320

Re: Microsoft Windows 10 Update might cause data loss

Kaby-based desktop and Dell XPS laptop were both upgraded and have experienced no issues or data loss. Of course, I do not use Edge, so cannot speak to those particular issues.
by Just sayin...
Sat Sep 22, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 4161

Re: Quicken - Do you use it?

Been using it since 1996. Before that Managing Your Money, before that a Lotus 1-2-3 spreadsheet, and before that a big, wide ledger pad... I dislike the new model. I used to upgrade every 3 years or so, right around when they'd cut off the ability to download accounts. In combination with TurboTax...
by Just sayin...
Fri Sep 21, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3122

Re: Simple-minded sayings?

“Wherever you go, there you are.”
by Just sayin...
Sat Aug 25, 2018 11:12 am
Forum: Personal Consumer Issues
Topic: When do you replace a working desktop computer?
Replies: 27
Views: 2105

Re: When do you replace a working desktop computer?

When they no longer function properly or no longer get security updates...whichever comes first.
by Just sayin...
Mon Aug 13, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: What's the reason you would buy reading glasses at...
Replies: 42
Views: 2617

Re: What's the reason you would buy reading glasses at...

...Costco reading glasses are just fine, if they work for me. I buy the three packs at Costco for about $18.50. They're Foster Grants. I just checked; they're on sale for $12.49 https://www.costco.com/reading-glasses.html?sortBy=PriceMin%7C0 THey work just fine for me, as well as my Warby Parkers t...
by Just sayin...
Tue Aug 07, 2018 11:04 am
Forum: Personal Consumer Issues
Topic: Maui Hawaii Trip - How to save money?
Replies: 52
Views: 5164

Re: Maui Hawaii Trip - How to save money?

Kauai is more my speed but I have spent some time on Maui. I agree with what several of the other posters have recommended: - Bottled water, snacks, great cheap Hawaiian shirts, etc. at Costco - Floaties, snorkel/mask, sunscreen, etc. at Wal*Mart - Just say NO to hotel food (especially poolside) - H...
by Just sayin...
Wed Jul 25, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: Flooring: Hard wood vs Ceramic Tile that looks like wood
Replies: 26
Views: 2826

Re: Flooring: Hard wood vs Ceramic Tile that looks like wood

A good friend of ours relocated to the Orlando, FL area and, in their new home, installed the wood-looking ceramic tile. One look and I was sold. It looked great (to me), is reputed to last longer than the wood choice, and be easier to deal with. I would go that route if I were looking to get that t...
by Just sayin...
Wed Jul 18, 2018 10:44 am
Forum: Personal Consumer Issues
Topic: Excel Spread sheets -mac or. Windows?
Replies: 21
Views: 1194

Re: Excel Spread sheets -mac or. Windows?

I make extensive use of pivot tables, vlookup and hlookup functionality, and webservice calls in Excel for Windows. About a year ago, I downloaded Libre Office in order to compare their spreadsheet functionality to that of Excel. For whatever reason, Libre Office ground to a near halt on my 4.0 GHz ...
by Just sayin...
Mon Jul 16, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Have you ever purchased a pricy musical instrument?
Replies: 82
Views: 4723

Re: Have you ever purchased a pricy musical instrument?

About a decade ago, I received a nice unexpected bonus for exceeding some random target at work. I took about half of the after-tax net and bought a new Martin D-28 Marquis Sunburst guitar. I’ve played for over forty years, but my skills do not begin to approach those which you would expect from som...
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: 2001
Views: 372507

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: 4317

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: 1652

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: 6996

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: 1042

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: 20610

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: 15825

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: 11962

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: 922

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: 10317

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: 10317

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: 10317

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: 2845

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: 486

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: 486

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: 47652

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: 4208

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: 8547

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: 5128

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: 9211

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: 9211

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: 4681

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: 5553

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: 2740

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: 7501

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: 6579

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: 33707

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: 33707

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: 33707

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: 10133

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: 10133

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: 22102

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: 20948

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: 9954

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: 6786

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...