Search found 165 matches

by Jim85
Tue Nov 13, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 117
Views: 4957

Re: Point and shoot camera

Bought the original RX100 a few months ago on B&H. $368. It's very nice. One thing it lacks is any kind of wifi or connection to view pictures on a larger screen, like an iPad or laptop. I like to do this when traveling to get a better idea of how the photos turned out (vs the tiny camera screen) af...
by Jim85
Tue Nov 06, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 932

Re: Need to liquidate $250K of investments

Quite a bit of that entry fee may qualify as a medical expense, so it's possible that there will not be any tax hit from selling the securities. Talk to the staff at the facility she is entering about how much of the up front payment is deductible as a medical expense. Can you expand on this? I'm a...
by Jim85
Tue Nov 06, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Need to liquidate $250K of investments
Replies: 5
Views: 932

Need to liquidate $250K of investments

My 86 yr old mother (in good health) is entering a Continuing Care Community with an entry fee of around $250K. She has $843K in assets. 82K cash, 94K in a 401k, 85K in an IRA, and 582K in taxable brokerage account. Asset allocation is 65 bonds+cash, 35 stock. My initial inclination is to liquidate ...
by Jim85
Wed Sep 26, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 934
Views: 101334

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

Finished Season 2 of Ozark. Great. Not quite to the level of Breaking Bad, but what is. Billions was also great (Showtime). Waiting on season 4. Am currently watching Better Call Saul season 4. Feel the first 3 seasons were better but will no doubt keep watching. Anyone watch Westworld season 2 ? Re...
by Jim85
Tue Aug 28, 2018 6:26 am
Forum: Personal Consumer Issues
Topic: Streaming TV services
Replies: 36
Views: 2656

Re: Streaming TV services

I have Youtube TV and it's great. Has all the stations I watched on Cable. But no Bloomberg TV.
by Jim85
Wed Aug 08, 2018 7:01 am
Forum: Investing - Help with Personal Investments
Topic: 401k rollover to Trad IRA
Replies: 2
Views: 324

401k rollover to Trad IRA

Sorry, I know there are many threads on this topic. But I can't seem to find an exact match to our situation. My wife's job has just ended (small company, owner is retiring and closing shop). We had planned to rollover her 401k to a traditional rollover IRA already established at Vanguard. We may wa...
by Jim85
Tue Jul 24, 2018 6:13 am
Forum: Personal Consumer Issues
Topic: Cell phone tip: block callers
Replies: 50
Views: 7002

Re: Cell phone tip: block callers

The solution I use on my iPhone is pretty simple. In iOS if you turn on Do Not Disturb mode it will block all calls, however in the DND options you can set it to allow calls from anyone in your contact list even if DND is turned on. So all I did add everyone to my contact list that I would want to ...
by Jim85
Tue Jul 24, 2018 5:58 am
Forum: Personal Consumer Issues
Topic: Verizon streaming issues
Replies: 32
Views: 1479

Re: Verizon streaming issues

I disabled the wifi on my Verizon modem/router and used a separate NetGear wifi router. I have 50/50 service and have never had performance issues. 2 TVs with Chromecast, 2 iPhones, an iPad and a desktop computer. Obviously not all used at the same time but definitely a few at a time. Not sure if th...
by Jim85
Mon Jul 23, 2018 8:48 am
Forum: Personal Consumer Issues
Topic: I think it's time to cut the landline cord, how to do it?
Replies: 25
Views: 3147

Re: I think it's time to cut the landline cord, how to do it?

I did this about 6 months ago. Had Verizon Triple play (phone, cable and internet). Now only have Verizon $39 month internet only, plus YouTube TV. I ported my landline phone number to Google voice which is free and forwarded (in Google voice) all calls to our cell phones. When a call comes to our o...
by Jim85
Sun Jul 08, 2018 8:02 am
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 307
Views: 53850

Re: That Extravagant Thing You Do

I spend money on some things - dinner out, travel, golf, sporting events, concerts, etc. None of this would I consider extravagant since I don't overpay or go for the "luxury" option. Might sound nuts but I think my iPhone with data plan etc. is an extravagance. There's not much I do with it that I ...
by Jim85
Sun Jul 08, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1717

Re: Ireland trip

Just back from 10 days in Ireland. We rented a car and booked accommodations ourselves, a combination of standard hotel (Hilton garden Inn in Dublin), Airbnb homes and regular B&B. Had little problem driving although Google maps took us on some short cuts that ended being very rural, one car width r...
by Jim85
Mon Jul 02, 2018 4:02 pm
Forum: Personal Consumer Issues
Topic: International Vacation Ideas
Replies: 47
Views: 3562

Re: International Vacation Ideas

Just back from Ireland. People have tried to talk us into it for years. Finally went and loved it. Not as exotic as some of the places above but is a good time. Always pictured rolling green hills but coastal areas have much more dramatic scenery. Just have to get used to driving on the left, with a...
by Jim85
Thu May 24, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Anyone using Obitalk for Google Voice?
Replies: 38
Views: 5744

Re: Anyone using Obitalk for Google Voice?

Why do those with Google voice use Obitalk? I canceled my landline a few months ago after getting the number ported to Google voice. I intended to get Obitalk or something but then just decided to forward all calls coming into my Google voice to my cellphone. Works great.
by Jim85
Sun May 20, 2018 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3638

Re: Retiring soon - some questions

Thanks once again to all. I really do need to look closer at the whole Roth conversion value vs ACA subsidy. As some have suggested, I may be able to do some conversion and still get the subsidy. Very possible I may only use COBRA until the end of this year as it might turn out that the ACA subsidy ...
by Jim85
Fri May 18, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3638

Re: Retiring soon - some questions

Thank you all. This site is a great sounding board. Livesoft - I think I will do exactly what you suggested. Thought that muni fund wasn't right for us and definitely generating more taxable income than necessary with the MM and CDs. Most of that was my emergency fund. Thank you for the detailed res...
by Jim85
Fri May 18, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Retiring soon - some questions
Replies: 27
Views: 3638

Retiring soon - some questions

I’m retiring next month and have a few questions. Some background data: Age 62, married, wife also 62. Kids all on their own. No debt, house paid off (worth maybe $425K) Planned annual spending – about 85K which is about 25K higher than current spending but includes more travel and of course healthc...
by Jim85
Tue Feb 27, 2018 6:53 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42117

Re: What UN-frugal thing do you do?

This is easy - Season tickets to Villanova basketball. I don't blink an eye at the annual bill and it's likely to go up quite a bit next year.
by Jim85
Thu Feb 22, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 14755

Re: Bogleheads with $100K+ MSRP cars?

My 2012 Ford Fusion has over 100K on it. Oops..
by Jim85
Thu Feb 22, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2190

Re: Caribbean Cruise 1st timer Cash or Card?

On the ship you cannot use cash or credit, only your key card, which is tied to a credit card. This is setup upon boarding. I suppose you could slip some cash to staff but I wouldn't see any reason to do this. Any tip is typically put on your account. Some cash on land may be helpful in some situati...
by Jim85
Mon Feb 19, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 12946

Re: What has been your most important skill in achieving financial independence?

We are frugal, don't pay extra for fancy labels, always paid credit card bills in full, been lucky enough to have been paid for every weekday of my life since college (never been laid off, never took leave without pay), don't buy big expensive "stuff", still live in my first home (haven't had a mort...
by Jim85
Sun Feb 18, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 934
Views: 101334

Re: Netflix, Your Current Favorite Show

Dark Mirror is excellent. Some episodes better than others but all very interesting. Agree Episode 1 of Season 1 can be a turnoff but glad I kept watching. Also recently watched the first few episodes of Mindhunter, may watch it some more but it's not pulling me back like some of the better series. ...
by Jim85
Fri Feb 16, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 160
Views: 14075

Re: Did you learn anything from the market correction?

TG2 wrote:
Tue Feb 13, 2018 12:58 pm
Everything I needed to know I learned in October, 1987.
^This. As a young inexperienced investor I sold some in '87 and locked in those loses. Never again. This time I thought my AA would drift enough that I'd buy the dip. Never happened.
by Jim85
Tue Feb 13, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 127
Views: 14097

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 61.

47.5% Bonds
47.5% Stock
5% Cash (MM, CDs, etc.)
by Jim85
Sun Feb 11, 2018 5:35 am
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3722

Re: Home printer

Abandoned inkjet printers a few years ago for all the reasons stated above. I have a Canon Imageclass D530 B&W
printer, copier, scanner. The low capacity starter cartridge alone lasted almost a year. I don't miss the color at all. I bet it lasts longer than all my gunked up inkjet printers combined.
by Jim85
Mon Jan 29, 2018 7:06 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47650

Re: What frugal thing did you do today?

Might have an easier time saying what I did that was not frugal. My wife in particular leans towards the insanely frugal and could top mostly everything in this thread (all day long), except maybe the laundromat story. But here's what I did this weekend: 1 - Took advantage of a 60 degree day in PA a...
by Jim85
Tue Nov 21, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Uber for someone who knows only taxis
Replies: 93
Views: 7489

Re: Uber for someone who knows only taxis

I always use Uber. Never a taxi or shuttle service anymore. I drove for a bit for Uber and Lyft, at first out of curiosity and then sometimes when bored. It was interesting but there's no money in it. Drivers have to drive a lot to make a living so I say TIP THE DRIVER. Some drivers prefer Lyft caus...
by Jim85
Tue Nov 21, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 140
Views: 12773

Re: What are the things you want to do between 55 and 65?

I'm 61 and started semi-retirement at 58. I had achieved financial independence so I could. Initially pulled the plug (part time) to help my parents sell their home and move into a retirement community. My father was not well and help was needed. Plus I was able to spend a lot of time with him over ...
by Jim85
Tue Nov 14, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Iphone 4
Replies: 37
Views: 2933

Re: Iphone 4

I tend to hold on to my phone until there's a compelling reason to change. I recently drowned my LG Android phone and my wife's iPhone 5c was not holding a charge. I bought a iPhone 6s Plus 64GB in "mint" condition on Swappa ($400) and got my wife a 6S 32GB refurb from Apple (also $400ish). She has ...
by Jim85
Tue Nov 07, 2017 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Capital One Money Market Increases to 1.10% APY
Replies: 16
Views: 3550

Re: Capital One Money Market Increases to 1.10% APY

Rate increased again to 1.3%. Nice.
by Jim85
Sun Nov 05, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 93
Views: 9721

Re: Spam calls to cell phone...

My wife recently got a call from her exact number. This is my fear - that I diligently block all these fake numbers on my phone, but end up blocking real numbers because of the spoofing. I read about another (or complementary) option a few years back: set your default ring tone to a "silent" tone a...
by Jim85
Fri Oct 27, 2017 6:01 am
Forum: Personal Consumer Issues
Topic: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?
Replies: 27
Views: 2228

Re: Trip in May: Starting in Munich, Ending in Interlaken - Where to go in between?

Garmisch is a great base to visit the castles from. In addition to Neuschwanstein, I'd also recommend Linderhof another of King Ludwig's castles. Oberammergau is also nice village to visit in the area. Home of the Passion Play (once a decade but not in 2018) but worth visiting anyway. The Zugspitz f...
by Jim85
Sun Sep 24, 2017 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 11134

Re: Age you retired

Been FI for a while and semi-retired 2.5 years ago at 59. Work now Tues-Thurs and still get healthcare benefits, prorated leave. Some weeks I enjoy working, some weeks it's a PITA and I think...why I am I doing this? Not going to last much longer but I think I said that last year.
by Jim85
Sun Sep 24, 2017 6:12 am
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 148
Views: 14182

Re: What is your favorite reasonably priced bourbon?

For me, best bang for the buck - Buffalo Trace or Jim Beam Black. A step up - Four Roses Small Batch or Single Barrel.
by Jim85
Sun Sep 24, 2017 6:03 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 14483

Re: Lifestyle Creep

Never had any creep as my income/assets grew. I always consider cost/benefit for purchases. Don't play for fancy labeled clothes, cars, etc. Not sure I'd ever pay for first class airline seating at the costs I've seen. I still don't see any of this changing. Since I went part time a couple years ago...
by Jim85
Sat Sep 02, 2017 8:20 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 6229

Re: Where to buy new iPhone

I know I'm resurrecting an old thread. I'm on verizon and am considering a new iPhone. Verizon offers a SE for 99cents, a 6S for $99 and a 7 for 199. These are new not refurb or used. The Apple refurb site offers a 6S for 449. Swappa has a 6S for $270 or a 7 for $450, used of course. Is a 2yr contra...
by Jim85
Tue Jul 25, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 10963

Re: Anyone else extremely frugal?

I think I’m frugal compared to most of my friends/relatives but I do spend on some things that some may not. I won’t: • Pay extra for a high end brand/label unless there’s a cost benefit (higher quality, more reliable, etc.) • Pay to have my lawn cared for (I need the exercise anyway) • Pay $250-500...
by Jim85
Tue Jun 20, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 4923

Re: Cancelled Cable TV Service Today... [Downsized cable service

FYI - I made my own digital antenna with a disposable aluminum pie plate. Google pie plate antenna or pietenna. Works as good or better than one I bought. Learned some things during this project. HD, HDTV, and Digital antennas are all the same and you can even get a digital signal with an old VHF/UH...
by Jim85
Mon Jun 19, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 4923

Re: Cancelled Cable TV Service Today... [Downsized cable service

I have Verizon FIOS Triple Play with "Custom TV". This includes 50/50 Internet, Phone, and Basic Cable along with a Sports Pack and News Pack. With Custom TV you pick 2 Packs from 6 or 7 options. Cost is $79/mo plus $16 for the equipment (1 set top DVR ) plus taxes. I pay about $115 a month. I went ...
by Jim85
Sat Jun 17, 2017 7:59 am
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 4268

Re: Happy Fathers Day - got me a used Weber grill!

I have a Spirit E310. Bought in 2012 and just gave it its first thorough cleaning. Still going strong and looks great. Flavorizer bars will need replacing soon, maybe next year. Burners might need replacing in another 2 years - just a guess. Cleaning is definitely key, those flavorizer bars and burn...
by Jim85
Tue Jun 13, 2017 9:49 am
Forum: Personal Consumer Issues
Topic: Home heating oil capped price plan
Replies: 16
Views: 2286

Re: Home heating oil capped price plan

$2.89 is pretty high. For reference, this past winter, when demand is generally higher, the highest I paid was $1.95/gal. In the past I have signed up for a capped price plan, but the deliveries always seem to be at the capped price unless I called to complain. I have since wised up and call on dem...
by Jim85
Wed Jun 07, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Yellowstone best itinerary?
Replies: 15
Views: 2284

Re: Yellowstone best itinerary?

Day 2 seems a bit much. I'd definitely try to fly into Rapid City. If you got in early enough you could go to Mt Rushmore same day. We went late afternoon/early evening and it was very nice with the sunset. Then you could do Crazy Horse and/or Custer State park the next AM then head west. Not sure o...
by Jim85
Sat Jun 03, 2017 8:04 am
Forum: Personal Consumer Issues
Topic: Yellowstone best itinerary?
Replies: 15
Views: 2284

Re: Yellowstone best itinerary?

That's a crazy schedule. If, for whatever reason, a bus tour is what is preferred, I'd opt for something out of SLC that focuses just on Yellowstone and the Grand Tetons. I've gone to Yellowstone twice - both times self guided/driving. First time we flew into Rapid City spent 2 nights and saw the Bl...
by Jim85
Wed May 31, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: About to retire
Replies: 11
Views: 2182

About to retire

Been working part time for a couple years and am now preparing to pull the trigger and retire 100%. I'm almost 61. Have run firecalc many times and am in good shape (100% chance of success). My overall asset allocation is 50% stock, 45% Bond and 5% cash. After all these years of saving, I am now try...
by Jim85
Tue May 30, 2017 6:54 am
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 73
Views: 12516

Re: Go part time number

I'm 60 and went part time 2 years ago. I really could have retired completely but just wasn't ready mentally. Found that I could still get benefits (including health insurance) while working 30 hrs a week. As a salaried employee I was working around 50 hours a week so dropping down to 30 was signifi...
by Jim85
Mon Apr 24, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 3975

Re: Alaska cruise advice

Been on many cruises - Celebrity, Princess, RCl, NCL. Celebrity is our hands down favorite. Haven't been to Alaska since 1994 so I'm sure there's been changes. We took the inside passage from Vancouver. I think that's the way to go vs open sea - more scenic and calm. We had flown into Seattle and at...
by Jim85
Thu Feb 02, 2017 2:51 pm
Forum: Personal Consumer Issues
Topic: Single Malt Scotch-time for another thread?
Replies: 69
Views: 8599

Re: Single Malt Scotch-time for another thread?

Have tried many of those mentioned. Just finished off a bottle of Lagavulin 16 given as a gift. I like the peatier scotches so enjoyed that. Can't really justify paying more than $50-70 which even seems high. Johnny Walker Black is fine and Green was one of my favorites. I hear Green is back on the ...
by Jim85
Wed Jan 18, 2017 7:22 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 3398

Re: Durable photo printer ?

Like others I quit using inkjet photo printers after several that kept clogging. Now I have an inexpensive Canon B/W Laser and send photos to the drugstore when needed. Very satisfied.
by Jim85
Fri Jan 06, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 15966

Re: Is driving for uber worth it for side money?

I've driven a bit for Uber and Lyft. Thought it might be a good post-retirement thing. Do it whenever you want for as long as you want, 0 stress, meet people...Since I'm not quite retired, I did it mostly on weekend mornings/afternoons (not a night person). Plenty of activity but absolutely not wort...
by Jim85
Fri Jan 06, 2017 6:16 am
Forum: Personal Consumer Issues
Topic: Quicken 2017 special offer vs Amazon.
Replies: 11
Views: 3327

Re: Quicken 2017 special offer vs Amazon.

Got an email from Intuit re: Quicken 40% off, expiring soon. Checked Amazon which is $10 cheaper. $35 for Deluxe, $55 for Premier. I guess I'll upgrade.
by Jim85
Mon Jan 02, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 4034

Re: Yellowstone Tours Vs. Self-Guided

Great choice. Been to Yellowstone twice and its an amazing place. A week is a good amount of time. Last went in 2014 in early June. Weather was mostly good, although very changeable there. Good time of year for wildlife viewing and not too crowded. Both times did self guided and worked out great. Ye...