Search found 396 matches

by TallBoy29er
Thu Jul 19, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1761

Re: Good to Go, yes/no?

With that pension another consideration is to delay your SS all the way to 70. It will give more room for Roth conversion It might mean a steeper draw-down until 70, but then a slower draw-down after 70. It adds a bit of longevity insurance as well. I would not think of waiting 11 more years to beg...
by TallBoy29er
Thu Jul 19, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Good to Go, yes/no?
Replies: 21
Views: 1761

Re: Good to Go, yes/no?

Was the $65k pension payment beginning on year 1 of retirement? If I were in your shoes, I'd feel pretty good either way (obviously better if the answer is yes). The health care bridge til Medicare is a nice little perk as well. Congrats on making it! Pick up an RV, and hit some gorgeous national an...
by TallBoy29er
Wed Jul 18, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65284

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

FWIW, I didn't drop Vanguard ETF's, I dropped TDA. I did get free trades, but with three accounts (spouse and self Roth, taxable), it's a pain in the arse. Funny - tried to open a Merrill Edge account, thought it would be nice to have all Bank of America accts and Merrill acct in one place. Did the...
by TallBoy29er
Wed Jul 18, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 562
Views: 65284

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

FWIW, I didn't drop Vanguard ETF's, I dropped TDA. I did get free trades, but with three accounts (spouse and self Roth, taxable), it's a pain in the arse. Funny - tried to open a Merrill Edge account, thought it would be nice to have all Bank of America accts and Merrill acct in one place. Did the ...
by TallBoy29er
Fri Jul 13, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Would you trade experiences in your youth for early retirement
Replies: 81
Views: 5151

Re: Would you trade experiences in your youth for early retirement

Wouldn't trade my experiences for any amt of early retirement. In fact, if anything, I look back at opportunities lost and probably would do more while younger if i could rewind. That said, i've learned, and am pretty good at embracing opportunities in the present.
by TallBoy29er
Fri Jul 13, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Advice on IT Certification program
Replies: 93
Views: 3683

Re: Advice on IT Certification program

The first course is NWIT 127 - Microcomputer Essentials 3 semester hours. That's 40+ year-old terminology. Can't agree more. I started my IT career in 1996. This look like one of the courses I took several years before that and it was old tech even then. The entire curriculum looks like it was take...
by TallBoy29er
Tue Jul 10, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Avocado oil --recommendations?
Replies: 18
Views: 1524

Re: Avocado oil --recommendations?

We buy from Costco. Quality was fine, at less than half the price of our local grocery store (Kroger).
by TallBoy29er
Fri Jul 06, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Card Denying Numismatic Material Charges
Replies: 4
Views: 1003

Re: Citi Card Denying Numismatic Material Charges

bob60014 wrote:
Fri Jul 06, 2018 4:29 pm
Write a good old fashioned letter to the CEO!
Find officers' email addresses and write them. I've conversed with Tim Hockey at TDA in the past. Succinct by helpful I'd say. A second simple Google search should do the trick.
by TallBoy29er
Fri Jul 06, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3423

Re: Anyone Tried Costco Travel Packages?

I just rented a car through Costco and had a very good experience. I realize it's not a travel package, but they performed as promised.
by TallBoy29er
Fri Jul 06, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: What time do you get up in the morning?
Replies: 138
Views: 8946

Re: What time do you get up in the morning?

I'm currently in a snooze rut that I'm trying to break through. That's seriously the hardest thing for me. Jester In college, I had an alarm clock that did not have a snooze button. You turned it off, it was off. It made me get up right away at risk of missing class. It created a good habit out of ...
by TallBoy29er
Wed Jul 04, 2018 10:01 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 290
Views: 39336

Re: Good Modern Science Fiction

The Terror by Dan Simmons was pretty good. I like books about Shackleton and other Arctic explorers. This was that, plus a nice little slice of science fiction wound in.
by TallBoy29er
Mon Jun 18, 2018 5:09 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1088

Re: Best stroller+infant seat for gravel roads?

Agree with the BOB. Why? Large rubber tires, shocks, easy rolling & still folds up relatively tight. (Ours was a double.) We also had another one that was lighter, even larger bicycle wheels, more rigid (& a single). With a fixed front wheel, this was much better for actual running on paved roads. ...
by TallBoy29er
Mon Jun 18, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10701

Re: Timeshare ever worth it? Please share details

I did not read other replies, but here is my experience. Married into a deeded timeshare. Traveled w/out kids a lot. Internationally. The places we booked we're terrible. Once, left one and paid for another place to stay. This was thru one of the reputable firms, so to speak. Got lucky, and had the...
by TallBoy29er
Sun Jun 17, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Timeshare ever worth it? Please share details
Replies: 123
Views: 10701

Re: Timeshare ever worth it? Please share details

I did not read other replies, but here is my experience. Married into a deeded timeshare. Traveled w/out kids a lot. Internationally. The places we booked we're terrible. Once, left one and paid for another place to stay. This was thru one of the reputable firms, so to speak. Got lucky, and had the ...
by TallBoy29er
Sun Jun 17, 2018 9:46 pm
Forum: Personal Consumer Issues
Topic: Best stroller+infant seat for gravel roads?
Replies: 18
Views: 1088

Re: Best stroller+infant seat for gravel roads?

You aren't going to like the price of my suggestion. We used the bob revolution pro. Both of us run a lot. It worked well. It also is expensive. The double is even moreso. :shock:
by TallBoy29er
Sun Jun 17, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 8392

Re: Which Supermarket are you?

Publix. In GA, when items are BOGO you can buy one and get it at half price. Varies by state, eg that does not happen in FL.
by TallBoy29er
Fri Jun 15, 2018 8:50 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2708

Re: Trade-up my $89 Walmart bike

Congrats on the purchase. A good set of wheels is worth the money. Safe riding!
by TallBoy29er
Fri Jun 15, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: $75,000 bonus - help me with my plan
Replies: 20
Views: 2420

Re: $75,000 bonus - help me with my plan

I would go with your gut on this one. My plan of attack would be to pay off the car loans completely, and then invest the rest in taxable. I prefer ETF's in my taxable, equity funds, like VTI. I don't auto-reinvest dividends, I buy in even lots. Paying off a house from which you plan to move in 2 or...
by TallBoy29er
Thu Jun 14, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, tell me about your 40's?
Replies: 179
Views: 37601

Re: Bogleheads, tell me about your 40's?

I learned in my 40s not to quote and reply to people that posted something on the internet 4 years ago - they may no longer be checking in to see the quote and reply. perhaps they post using a broader perspective that others may gain from it? perhaps the original poster should not post if she/he is...
by TallBoy29er
Wed Jun 13, 2018 7:38 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2708

Re: Trade-up my $89 Walmart bike

Based on feature set, I'd lean toward the DS1. That said, if there is an REI near you, check out their house brand, Novara. They pack a good bang for the buck, and come in many different styles.
by TallBoy29er
Tue Jun 12, 2018 8:13 am
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5004

Re: How do you celebrate (potty trained kid) milestone with your spouse?

A participation trophy and some avocado toast. Why the passive aggression? Did someone spit in your Metamucil this morning? :beer Right. Sorry to pile on with the "I don't understand kids these days" theme. Back in my day, you had to teach kids to go in an outhouse and forget teaching them to wipe ...
by TallBoy29er
Mon Jun 11, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 18703

Re: The Power of Working Longer

A power of working longer is not having to think about what we may do when not working at all. I can't wait for the challenge when this "power" is taken away from me. :D
by TallBoy29er
Mon Jun 11, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2279

Re: Renter's Insurance for College Dorm

Im curious for those who went through college with zero losses, how long ago was that? It seems kids are carying a lot more valuable electronics on them now a days. It's funny. Today, I can't imagine not bringing a laptop with me when I need to do real work. In college, that wasn't an option. I had...
by TallBoy29er
Sat Jun 09, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5334

Re: Rowing machine motivation

One other thing about technique. Think of your stroke in three pieces. First push with the legs. Then lever with the lower back. Then pull in the arms. The arms need to be quick!!!! your arms should stay relatively straight the whole time, and should not ever have to rise or dip over the knees. Quic...
by TallBoy29er
Sat Jun 09, 2018 9:19 pm
Forum: Personal Consumer Issues
Topic: Rowing machine motivation
Replies: 82
Views: 5334

Re: Rowing machine motivation

I get it. I really do. As a rower, I have spent more hours than you would want to think about on Concept 2's. Have you tried the countdown method? Meaning, you can set your workout for a certain number of meters (eg 2000 - a typical sprint race), and then row until you've complete that workout, all ...
by TallBoy29er
Sat Jun 09, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Moved Family Across Country for New Job and Job is now gone
Replies: 27
Views: 6537

Re: Moved Family Across Country for New Job and Job is now gone

If you have a financing contingency simply inform your mortgage lender you are no longer employed and have no income. They will renege on the loan and you’ll get your earnest money back. This is where I would go with things as well. I sympathize with you in your situation. However, as it is nicer t...
by TallBoy29er
Sat Jun 09, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Renter's Insurance for College Dorm
Replies: 32
Views: 2279

Re: Renter's Insurance for College Dorm

Never had it in college. Never had much to steal though, except a desktop computer (good luck with that). I would save the coin. When you set out on your own and get an apartment, then it it is well worth it.
by TallBoy29er
Sat Jun 09, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: College: extraneous expenses
Replies: 32
Views: 2953

Re: College: extraneous expenses

Use that meal plan up for all it is worth. That said, 15 meals for me typically meant that I was figuring out weekends. So think about food for those times the meal plan will not suffice. Mac and Cheese. Tuna fish. Ramen (seriously, it is cheap, and awesome, still!!). If you pledge a sorority/frater...
by TallBoy29er
Sat Jun 09, 2018 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads' College Philosophy question
Replies: 68
Views: 3813

Re: Bogleheads' College Philosophy question

Hoping for a mountain biking scholarship. Or for our youngest, maybe an MMA scholarship. :oops: :D
by TallBoy29er
Wed Jun 06, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1352

Re: storing backpack in Seattle

Side note, Pike Place Market is fun to visit in my opinion. The Ballard Locks are really cool. If you like used gear and clothes, there is a store called Second Ascent in Ballard that is fun just to browse in. I've found shoes there super cheap.
by TallBoy29er
Wed Jun 06, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: storing backpack in Seattle
Replies: 11
Views: 1352

Re: storing backpack in Seattle

I would ask at the bike shop first. Ask em to put it in back. I would think they would oblige w out a problem. Heck, you could even call before hand to check if you're nervous about it.
by TallBoy29er
Sat Jun 02, 2018 11:06 am
Forum: Local Chapters and Bogleheads Community
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 65
Views: 12692

Re: Metro Atlanta Bogleheads Local Chapter

I'm interested in joining the ATL BH's as well. I can't make June 23, but perhaps the next one will work out for me.
by TallBoy29er
Fri Jun 01, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: Instant pot pressure cooker
Replies: 50
Views: 6506

Re: Instant pot pressure cooker

I would love to give ours away, to anybody. Bring on the comments, but things like roasts, vegetables, etc all come out tasting the same to me. Maybe call it the Mush pot instead.

It does make easy to peel hard-boiled eggs.
by TallBoy29er
Fri Jun 01, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8798

Re: is Having more and needing less normal?

I was around 35 when I realised life - I was crazy around minimalism, FI , life goals etc. Today when I look back I understand that the most important thing is being in peace with oneself - if you have it the world around you will look a great place. I have stopped worrying too much about everythin...
by TallBoy29er
Fri Jun 01, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8798

Re: is Having more and needing less normal?

This has already started for me even as I just approach 40. With kids and family in good health, good jobs and a nice home, I have begun to view much of the stuff we accumulate as an anchor that weighs us down physically and emotionally. It's tough with 3 young kids in a small-ish home, but I've be...
by TallBoy29er
Tue May 29, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: Advice on neighbor not keeping up his property...
Replies: 103
Views: 7521

Re: Advice on neighbor not keeping up his property...

Similar situation here myself, with a very nice neighbor as well. I have a 6 ft wooden fence to block the backyard view of 4 junk cars and the forest that lives behind it. As far as being embarrassed...I am not even close to that. If anything, it makes a nice little ice breaker conversation, as my g...
by TallBoy29er
Mon May 28, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Cruise ships for multi-generational family
Replies: 61
Views: 3264

Re: Cruise ships for multi-generational family

Disney is a no brainer shoe-in from everyone I have spoken with. It seems to hit a home run with every age group. I would not step foot on a Celebrity cruise without a threat to life and limb.
by TallBoy29er
Sat May 26, 2018 9:24 am
Forum: Personal Consumer Issues
Topic: Help Buying Mens Shoes for Work and Dating
Replies: 97
Views: 8646

Re: Help Buying Mens Shoes for Work and Dating

If it's your jam, a high end pair of western boots could work in all those scenarios. That said, of you have to walk miles, maybe not ideal.
by TallBoy29er
Fri May 25, 2018 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 129
Views: 14063

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

Stepping back, I think you should enjoy the moment where you have the difficult decision, at age 36, to either pay off the $200k+ mortgage and own your house outright, or invest in your $1M+ portfolio. Sweet.
by TallBoy29er
Tue May 22, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Old Hot Water Heater
Replies: 20
Views: 1327

Re: Old Hot Water Heater

IndexBeliever wrote:
Tue May 22, 2018 9:01 pm
It is located in the attic :(
i jumped to my conclusion. replace it. it will, undeniably, fail at some point. it won't be tears from heaven.
by TallBoy29er
Tue May 22, 2018 7:58 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6215

Re: How have you upgraded your wardrobe?

IMO, if you are not client facing or looking to move up the corporate, you don't need to upgrade your wardrobe. I personally go with brooks brother slim fit, kirkland dress pants, and Allen Edmunds shoes (~$200 pair when on discount). Whatever you do, don't make the mistake of buying a pair of high...
by TallBoy29er
Tue May 22, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: How have you upgraded your wardrobe?
Replies: 104
Views: 6215

Re: How have you upgraded your wardrobe?

I just spent $450 on a pair of Lucchese hand made boots. My last pair lasted 28 years, and still look good. Sometimes you need to look at the long game ($16/yr) when spending on the wardrobe. I also buy polos from Ross. They last a couple years a piece but are only $9.99 per. I guess the boots, at 3...
by TallBoy29er
Tue May 22, 2018 6:39 pm
Forum: Personal Consumer Issues
Topic: Old Hot Water Heater
Replies: 20
Views: 1327

Re: Old Hot Water Heater

You are living on borrowed time. If it ruptures, which will happen at some point, what will get damaged? You will likely be at work, the store, sleeping, etc when that happens.
by TallBoy29er
Tue May 22, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Florida Living
Replies: 49
Views: 5813

Re: Florida Living

I don't know about a number of the specifics (schools, crime), but some areas outside of Jacksonville, like Ponte Vedra, may check your boxes of airport, shopping, and restaurants. Worth a look anyhow.
by TallBoy29er
Mon May 21, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2496

Re: When to and when not to “reinvest dividend and capital gains”

I don't auto reinvest. I like to have some sort of method to the lots I buy, and minimize small & odd lots. That may mean waiting for the next paycheck to hit, or maybe even two. But hey, that's me.
by TallBoy29er
Mon May 21, 2018 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Over contribution on 401k for megaroth backdoor
Replies: 16
Views: 1475

Re: Over contribution on 401k for megaroth backdoor

Been there, done that. I would suggest waiting.
by TallBoy29er
Mon May 21, 2018 8:22 pm
Forum: Personal Consumer Issues
Topic: Unknown issue porting FIOS number to Cox
Replies: 11
Views: 877

Re: Unknown issue porting FIOS number to Cox

I am thinking you are in the great unknown. Chances are you will never know. And your recourse is probably pretty limited, if even existent. Besides bemoaning the industry, which is generally known for sh...bad customer service, there probably ain't much else good one can do.
by TallBoy29er
Mon May 21, 2018 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking 401k advice
Replies: 8
Views: 620

Re: Seeking 401k advice

Hi all, I am 38 years old and am deciding what to do with my 401k after changing jobs. I have been in a 2045 target date fund and paying an expense ratio of 0.74% (which I understand is not bad but I can do better). I can leave it where it is in the target date, change my selections in my old 401k ...
by TallBoy29er
Mon May 21, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: property tax assessment
Replies: 9
Views: 951

Re: property tax assessment

I'm in Georgia, and have appealed my property taxes in the past. I had three steps to the process: 1. I could appeal through the mail. I stated my case, the rationale why, and mailed it in. As you could guess, I was denied. However, by this, in Georgia, I get the benefit of having my property assess...