Search found 1101 matches

by dbCooperAir
Thu Mar 03, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 7539

Re: Has your number changed?

I say I am retired ,and as time has gone by , I appear to "Need"less. I have to admit I am rather surprised as to how little it cost for us to live and enjoy life'Enjoy being the key word. "The number" As Of Today, is far less than the number I would have considered necessary ye...
by dbCooperAir
Thu Mar 03, 2016 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 7539

Re: Has your number changed?

My number was lower ages ago. I have adjusted upwards with inflation and stock market returns. I always work in todays dollars than make some wild a$ guess of inflation for the next 10-30 years. Come to think about it, the end number goal is about the only number I inflate out. In other words and m...
by dbCooperAir
Thu Mar 03, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Delay - Need to Work?
Replies: 20
Views: 1880

Re: Social Security Delay - Need to Work?

What may be confusing is that the social security statement does the following; "we assumed you'll continue to work and make about the same". They do not consider the possibility that you will stop working and delay enrolling for benefits. This is the reason I use the SS calculator and en...
by dbCooperAir
Thu Mar 03, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Has your number changed?
Replies: 52
Views: 7539

Has your number changed?

As a follow up to the "Can you retire on $1,000,000" thread, a great discussion btw, it got me to thinking about another topic. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=185772&start=50 It would appear in the other thread we have a wide range of ages, backgrounds etc. Th...
by dbCooperAir
Wed Mar 02, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Gardening 2016
Replies: 77
Views: 9324

Re: Gardening 2016

Last fall I tilled up our 20' x 40' garden and got a pile of milkweed seeds that were growing around my shop (did not what them there) and converted the garden to a milkweed wonderland for the butterflies. From my understanding milkweed is in short supply. We have a number of smaller steel tubs, lik...
by dbCooperAir
Tue Mar 01, 2016 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Converting landline phone to Google Voice
Replies: 16
Views: 2228

Re: Converting landline phone to Google Voice

Been thinking about doing the same, we already have been using a Google Number with Google Hangouts.

I think the way we will handle it is port the old landline number to Google Voice and then just forward the calls to our cells phone #'s. We get very few calls on the land line anymore.
by dbCooperAir
Mon Feb 29, 2016 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: 501c3 letter- need to obtain one on behalf of an organization.
Replies: 23
Views: 1544

Re: 501c3 letter- need to obtain one on behalf of an organization.

I don't have much time to post back now so I'll write more later. Let's just say that when I agreed to accept this board position last summer, there were certain representations made to me regarding what my duties would be, what the time commitment would be, what other people would be doing, and th...
by dbCooperAir
Fri Feb 26, 2016 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Going to 30/70 (Target Retirement Income Fund) at age 33?
Replies: 44
Views: 5997

Re: Going to 30/70 (Target Retirement Income Fund) at age 33?

By nature I've always been quite risk adverse.... It would be a misconception to think that bonds are risk free, they just have different types of risk. Longer term bonds will get clobbered if interest rates rise a lot and they may not even keep up with inflation expecially in a taxable account. I ...
by dbCooperAir
Tue Feb 23, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: To ROTH or not to ROTH
Replies: 8
Views: 1197

Re: To ROTH or not to ROTH

I would not convert it all, maybe none of it. Having some taxed deferred dollars to fill up the 0% and 10% bracket is good thing for most of us. I do however think having some "tax diversification" is sane. Sometimes I think people get a little blind sighted by the all mighty Roth. Take so...
by dbCooperAir
Mon Feb 22, 2016 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15390

Re: Mr Money Mustache Article (New Yorker)

Thanks for the post and link. I think it's funny his name is Pete. Its nice to preach that you can live on $24,000/year. To give people the idea all you need is a nest egg large enough to produce $24,000/year while you have a safety net of $400,000/year in income does not meet the smell test, I'm g...
by dbCooperAir
Mon Feb 22, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15390

Re: Mr Money Mustache Article (New Yorker)

HomerJ wrote:
I wonder if the people who follow him and retire at 30 with $600k will also do as well. They may actually have to live that $24k life for 50 years straight.


That is/was my biggest beef, again one has to remember it is the internet after all, a pile of half truths?
by dbCooperAir
Mon Feb 22, 2016 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15390

Re: Mr Money Mustache Article (New Yorker)

His regular usage of crude language is distasteful to me. What is the purpose? He does stand up for it however, I do agree it does get a little old! Adeney once did a review of credit cards and decided that Chase was the best. Whenever a reader clicked on Chase’s icon on the page and ordered a card...
by dbCooperAir
Mon Feb 22, 2016 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15390

Re: Mr Money Mustache Article (New Yorker)

Its nice to preach that you can live on $24,000/year. To give people the idea all you need is a nest egg large enough to produce $24,000/year while you have a safety net of $400,000/year in income does not meet the smell test, I'm glad the article pulled the curtain back a little. I do think his mes...
by dbCooperAir
Mon Feb 22, 2016 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15390

Mr Money Mustache Article (New Yorker)

A nice write up of the Mr. Money Mustache and his mission. http://www.newyorker.com/magazine/2016/02/29/mr-money-mustache-the-frugal-guru His goals, he says, are: 1. “To make you rich so you can retire early”; 2. “To make you happy so you can properly enjoy your early retirement”; and 3. “To save th...
by dbCooperAir
Mon Feb 22, 2016 1:10 pm
Forum: Personal Consumer Issues
Topic: Unfinished basement ideas
Replies: 34
Views: 4333

Re: Unfinished basement ideas

Be a little careful, if you are planning on hiring a legit contractor they may want to pull a permit, that will defeat the tax man go around. You noted you are not planning on any electrical work, if you "finish" the space by code you are suppose to have so many outlets etc. Again if you d...
by dbCooperAir
Mon Feb 22, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Running out of money in retirement
Replies: 49
Views: 10877

Re: Running out of money in retirement

I think the OP's story is more of the norm than not. I do know a few folks (family and friends) some of who have been lucky enough to escape the nursing home/assisted living expenses who have been living basically on SS alone for many years, ran out of cash mid to late 80's. They are happy and conte...
by dbCooperAir
Tue Feb 16, 2016 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to save money and keep the house clean?
Replies: 48
Views: 6611

Re: How to save money and keep the house clean?

4 people - 2 small kids and 2 adults. I am 31, I am wondering how I am going to keep up when I am old/er or in a job that requires lot more hours a week. Any ideas? We don't have a 3000 sq ft home, about half the size.....but. If I was to guess the kids are getting older/more demanding and you are ...
by dbCooperAir
Tue Feb 16, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 24206

Re: Netflix, Your Current Favorite Show

I'm not a fan of crime shows anymore. NCIS, Law and Order, and CSI really wore me out for years to come. I'm glad I'm not the only one, I enjoy crime shows as much as the next person but man they are so many. To add to your list you have Criminal Minds and a new Criminal Minds something starting. T...
by dbCooperAir
Mon Feb 15, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: "When is a Dollar Worth More Than a Dollar?"
Replies: 3
Views: 1400

Re: "When is a Dollar Worth More Than a Dollar?"

spth wrote:I wish I would have procrastinated this January. :oops:


No worries, you are in good company :wink:

Think the same thing happened last year!
by dbCooperAir
Fri Feb 12, 2016 12:38 pm
Forum: Personal Consumer Issues
Topic: Freeze Veggies for Stir-Fry?
Replies: 8
Views: 1102

Re: Freeze Veggies for Stir-Fry?

No need to blanch. Just cut up and freeze. If you have the time, pre-freeze the pieces on a tray for 30 mins or so before putting in a bag / container. Will help keep them from freezing/sticking together. Perfect, thanks. I use that freeze method for everything from fruit to meatballs, works great.
by dbCooperAir
Fri Feb 12, 2016 11:25 am
Forum: Personal Consumer Issues
Topic: Freeze Veggies for Stir-Fry?
Replies: 8
Views: 1102

Freeze Veggies for Stir-Fry?

We like to make Stir Fry's, Chow Mein, etc. Would like to give my hand at freezing some veggies to 1)help speed things along when I don't have time to chop them. 2) we like to buy peppers, onion, celery etc. from Costco and can't always get through them all. 3) part of my OCD, when I start chopping ...
by dbCooperAir
Fri Feb 12, 2016 10:58 am
Forum: Investing - Help with Personal Investments
Topic: When do I start taxable account?
Replies: 34
Views: 3341

Re: When do I start taxable account?

Taxable is not the only option after retirement accounts (IRA's, 401K, 403B, etc.), some fill up with Ibonds then taxable after that.

Sounds like you are married, ibonds could give you another $20k of space + $5k if you want to mess with your tax return. Keep in mind ibonds need to fit in your plan.
by dbCooperAir
Fri Feb 12, 2016 9:04 am
Forum: Personal Consumer Issues
Topic: skiing after 70
Replies: 15
Views: 2171

Re: skiing after 70

A gentleman I work with downhill skis at age 82, he bought his first helmet this year :wink:

He also still works and easy 50 hours/week, he does not considerate work however!
by dbCooperAir
Fri Feb 12, 2016 8:52 am
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 4308

Re: $50 Amazon tablet

If one wanted to stay with the Google eco system and not have to mess around a hack to make it work on the Fire what would be a Fire tablet cousin?

The only thing having me second guess a Fire is the lack of Hangouts.
by dbCooperAir
Thu Feb 11, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: magic numbers on checks
Replies: 20
Views: 3515

Re: magic numbers on checks

Is there some cost advantage to not buying from the bank's printer?? Probably varies a lot, but for me the difference was $23 (bank) vs $11 (mail order for the cheapest plain jane checks). A box of checks last us many years, think I would just use the bank. Full disclosure, last time we got checks ...
by dbCooperAir
Thu Feb 11, 2016 3:58 pm
Forum: Personal Consumer Issues
Topic: $50 Amazon tablet
Replies: 39
Views: 4308

Re: $50 Amazon tablet

For the money, it's actually a pretty good tablet. fyi, it's on sale at amazon right now for $40 They are also available at your local BestBuystore for the same price as Amazon. $39.99. Good option if you don't want to wait for shipping. For those who prefer iPads, Bestbuy is currently selling iPad...
by dbCooperAir
Thu Feb 11, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: VIX Index
Replies: 22
Views: 2143

Re: VIX Index

quantAndHold wrote:I've run some tests myself, and I'm not convinced that the VIX predicts much of anything that's actionable.


I did not spend much time going down the rabbit hole but that was the conclusion I was coming to.
by dbCooperAir
Thu Feb 11, 2016 3:06 pm
Forum: Investing - Theory, News & General
Topic: VIX Index
Replies: 22
Views: 2143

VIX Index

I'm trying to wrap my head around the VIX index. In the most basic form the VIX index means: https://en.wikipedia.org/wiki/VIX represents one measure of the market's expectation of stock market volatility over the next 30-day period. The VIX is quoted in percentage points and represents the expected...
by dbCooperAir
Thu Feb 11, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3966
Views: 1054032

Re: U.S. stocks in freefall

I see we hit/set the 52 week low today, so we got that going for us.

I have been putting off checking my rebalancing bands, I may have to take a look, what can I say, I'm just lazy.
by dbCooperAir
Thu Feb 11, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3966
Views: 1054032

Re: U.S. stocks in freefall

broadstone wrote:S&P on its way to 1600. I'm still 100% cash.


About another 13% loss! At this rate it could be within the next 2 weeks :twisted:
by dbCooperAir
Thu Feb 11, 2016 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Estimating expenses in retirement
Replies: 31
Views: 2984

Re: Estimating expenses in retirement

This maybe a time to spend a few dollars on something like Quicken and run it for a year or two. I have been using Quicken for about 5 years now, after the first 1-2 years you get a really good idea of what is going where, it does not take all that much time. Its useful tool, I really don't need to ...
by dbCooperAir
Tue Feb 09, 2016 4:48 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 3311

Re: Internet becoming "Small"

While I understand the premise of what you're saying (good content can be hard to find sometimes), I do believe that there is an entire world worth of things to watching and reading online. A few suggestions of things I do online that I enjoy... 1. Go to Wikipedia and read the article of the day, o...
by dbCooperAir
Tue Feb 09, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 3311

Re: Intenet becoming "Small"

I think with anything you can get into a rut. I have about 5 or so websites that I visit daily, but there are probably many more that I would enjoy if I found them. There is only so many hours in a day, even when you are retired. I think you hit the nail on the head, as in a rut, that's what it fee...
by dbCooperAir
Tue Feb 09, 2016 3:00 pm
Forum: Personal Consumer Issues
Topic: Internet becoming "Small"
Replies: 23
Views: 3311

Internet becoming "Small"

Is the internet starting to feel small for your daily personal use? I use the internet daily for many work functions, I remember doing my job without it for a number of years. At times I wish I could go back to the old way but that's another discussion I gave social media a whirl when my kids begged...
by dbCooperAir
Tue Feb 09, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: iBond buying strategy: One Lump or Multiple Buys?
Replies: 33
Views: 3048

Re: iBond buying strategy: One Lump or Multiple Buys?

I like larger one time purchases, the less information you need to sift through on the TD site the better.

If you have his and her accounts I can see buying in every 6 months, one time per year per account.
by dbCooperAir
Tue Feb 09, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: White Kitchen Cabinets?
Replies: 55
Views: 6676

Re: White Kitchen Cabinets?

White cabinets and trim work for that matter seems to be the latest trend that's for sure, about all I see the newer model homes.
by dbCooperAir
Tue Feb 09, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: High school curriculum: Is filling out tax forms part of it?
Replies: 49
Views: 2292

Re: High school curriculum: Is filling out tax forms part of it?

I suspect that most people no longer balance checkbooks... Judging by the billions Americans pay in overdraft fees, I'd say you're right. Very true, but I was thinking more along the lines of online banking makes it unnecessary. I realized a while ago that I hadn't balanced a checking account in at...
by dbCooperAir
Tue Feb 09, 2016 10:19 am
Forum: Personal Finance (Not Investing)
Topic: High school curriculum: Is filling out tax forms part of it?
Replies: 49
Views: 2292

Re: High school curriculum: Is filling out tax forms part of it?

Not taught at our High School, I think it would be helpful. I learned it on my own, dad told me I needed to file, sent me to the library to pick up the EZ book/form and go thru it. He did check my first return for me, some 30 years ago. I do admit of becoming a little lazy and just using tax softwar...
by dbCooperAir
Mon Feb 08, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: DISH TV versus DirecTV
Replies: 23
Views: 1927

Re: DISH TV versus DirecTV

I'll lose DVR, which I will definitely miss. Take a look at a TiVo, they do offer lifetime (no monthly fees) at cost of course. I would not even bother trying to watch TV without a DVR. We use the TiVo for OTA, Netfilx, Youtube and now giving Prime a whirl, all work really well. It will be the best...
by dbCooperAir
Mon Feb 01, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Just not interested any more [in investing]
Replies: 42
Views: 8459

Re: Just not interested any more [in investing]

Feel the same, not much interest.

I have thought about going all in on a single life fund and call it a day. If I did not have to deal with a taxable account it would be an easy decision.
by dbCooperAir
Mon Feb 01, 2016 1:51 pm
Forum: Personal Consumer Issues
Topic: Buy a bigger vehicle to grow into?
Replies: 28
Views: 2952

Re: Buy a bigger vehicle to grow into?

If you are planning on doing any camping, fishing, etc. a larger SUV is most wonderful. We had 2 kids and had a Suburban, yeah the big old gas guzzler. We were very active outdoor wise and the space + pulling capability was used often. We also spent many years driving back and forth to sport activit...
by dbCooperAir
Wed Jan 27, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 57
Views: 11712

Re: Treasury Direct is a waste of time

When I clear out my browser TD needs to email a new passcode (I think that's what causes it). Sometimes I get the passcode in a few seconds, sometimes it never comes but if I try it again a few days latter and the passcode will come right thru. The site is a tad undesirable, when I go to log out it ...
by dbCooperAir
Mon Jan 25, 2016 3:48 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7220

Re: Dinner Ideas

One of my new quick one pans meals, can change it up and add some chicken, etc. Beans and Rice Ingredients 1 teaspoon olive/vegetable oil 1 onion, chopped 1 T minced garlic 3/4 cup uncooked white rice 1 1/2 cups chicken broth broth 2 teaspoon ground cumin 1 tsp chili powder 3 1/2 cups canned black ...
by dbCooperAir
Mon Jan 25, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7220

Re: Dinner Ideas

http://www.leannebrown.com is THE boglehead cookbook - it's written by a nutritionist on how to eat healthy on the cheap, it has a wide variety of dishes from multiple cuisines, and best of all the pdf is free if you don't want to buy the book! I downloaded the pdf at first, and liked it so much I ...
by dbCooperAir
Mon Jan 25, 2016 2:56 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7220

Re: Dinner Ideas

This is not a meal in itself but can help make a quick meal. We will make a pile of burritos/Enchiladas. Bean and cheese, Cheese and onion, so many options. We will make around 30 or so at a shot and freeze them. Take the above and mix up the following gravy, toss it over some burritos/enchiladas an...
by dbCooperAir
Mon Jan 25, 2016 2:46 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7220

Re: Dinner Ideas

Another Easy one, you can make a pile of this and freeze it as well. Serve it over rice, toss in some veggies etc. Bourbon Chicken Units: US | Metric 2 lbs boneless chicken breasts, cut into bite-size pieces 1 -2 tablespoon olive oil 1 garlic clove, crushed 1/4 teaspoon ginger 3/4 teaspoon crushed r...
by dbCooperAir
Mon Jan 25, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: Dinner Ideas
Replies: 57
Views: 7220

Re: Dinner Ideas

One of my new quick one pans meals, can change it up and add some chicken, etc. Beans and Rice Ingredients 1 teaspoon olive/vegetable oil 1 onion, chopped 1 T minced garlic 3/4 cup uncooked white rice 1 1/2 cups chicken broth broth 2 teaspoon ground cumin 1 tsp chili powder 3 1/2 cups canned black b...
by dbCooperAir
Mon Jan 25, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 11008

Re: Netflix increasing prices. Will you keep it?

I gave Prime a whirl when they had the $73 special a couple of weeks ago, also have been with Netflix long before they started online content. I find myself using Prime's music streaming service, if Netflix is going to raise it pricing they may want to think about adding something of value at the sa...
by dbCooperAir
Mon Jan 25, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Best Android app to send/receive texts from PC?
Replies: 7
Views: 851

Re: Best Android app to send/receive texts from PC?

I am not aware of any of the apps you mention, but I find Google Hangouts combined with my Google Voice number perfect for this use case. I can send/receive texts from both my phone and my computer. +2 or is it +3! This platform has worked great for us. I hope Google does not abandon the project, f...
by dbCooperAir
Thu Jan 21, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Here We Go Again: SWR 2.5% or 5.5%?
Replies: 111
Views: 12414

Re: Here We Go Again: SWR 2.5% or 5.5%?

I think using the definition of SWR as it stands is somewhat a farce. I could be totally wrong but I think the reality is that very few use a static withdrawal rate during retirement, more use some form of VWR. SWR to me is a guide used to shoot for how big of I pile I would like, you have to start ...