Search found 95 matches

by Grateful1
Wed May 08, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5746

Re: House selling - modern norms

You asked about modern norms in house selling .... I just sold our second home using one of the FSBO assistance companies FSBOHomes that "provide all the services without the commission" I did NOT use a real estate agent nor did the buyer. The house sold for full asking price within 5 days of going ...
by Grateful1
Tue Feb 26, 2019 11:53 pm
Forum: Personal Consumer Issues
Topic: Swimming, do you? Advice sought.
Replies: 76
Views: 7580

Re: Swimming, do you? Advice sought.

From personal experience as a later in life learned to swim swimmer, I would strongly recommend the Total Immersion Swimming videos. The Total Immersion course teaches proper technique in an easy to accomplish series of mini-steps. And technique is everything in swimming. The video course will start...
by Grateful1
Mon Jan 01, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Convert drafty wood burning fireplace to more efficient
Replies: 21
Views: 2395

Re: Convert drafty wood burning fireplace to more efficient

We converted a drafty conventional wood burning fireplace with a natural gas fireplace insert and LOVE it. Very pretty, warm, comfortable and convenient. Electronic ignition, remote control. It has been trouble free for 5+ yrs of ownership so far. Venting is via a tube installed inside the existing ...
by Grateful1
Fri Dec 22, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone here purchased a home for cash (no mortgages)?
Replies: 39
Views: 4979

Re: Has anyone here purchased a home for cash (no mortgages)?

Purchased a second home for cash a bit less than 2 years ago and could not be happier with the decision. We probably saved about 2% on the sale price as the seller took our initial lower offer quickly because of the certainty of the sale going through quickly. Decades ago we also paid off our 1st ho...
by Grateful1
Tue Dec 19, 2017 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 12 month CD now 2.00%
Replies: 64
Views: 15808

Re: Ally Bank 12 month CD now 2.00%

Thanks for the heads-up. Because of your post I just opened an Ally Bank account and moved a chunk of cash from Wells Fargo.
I was surprised how easy this was to do.
by Grateful1
Tue Dec 12, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Scary episode with "intruder" in the home ... Google Home
Replies: 15
Views: 4293

Scary episode with "intruder" in the home ... Google Home

My DW woke me up concerned saying she heard voices down stairs. From bed I could see the little red "armed light" illuminated on our security systems hallway control panel. So I thought she was again mistaking some other noises for voices. If there were anyone downstairs I thought they certainly wou...
by Grateful1
Tue Nov 21, 2017 9:44 pm
Forum: Personal Investments
Topic: Are you your own worse enemy when it comes to investing?
Replies: 34
Views: 3179

Re: Are you your own worse enemy when it comes to investing?

Yes I definitely was my own worse enemy when it came to investing in the past. Due to financial ignorance I took too little risk out of fear of the stock market and so invested very little. However since discovering the Bogleheads forum a few years ago I have increasingly invested in broadly based i...
by Grateful1
Fri Aug 11, 2017 3:43 pm
Forum: Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 8242

Re: What is an appropriate lower risk asset allocation once one has "won the game"

Wow. Thank you for all the varied replies. Much to think about from your multiple perspectives. After fully digested this will help as I to continue to move towards a more reasonable allocation.

Thanks again to all who responded. Much appreciated.
by Grateful1
Tue Aug 08, 2017 1:41 am
Forum: Personal Investments
Topic: What is an appropriate lower risk asset allocation once one has "won the game"
Replies: 50
Views: 8242

What is an appropriate lower risk asset allocation once one has "won the game"

The wiki says "once the investor has "won the game" by accumulating sufficient wealth, it is unwise to take more risk than is needed, since the value of additional gains is much less important than the consequences of severe losses". What would be an appropriate asset allocation if one's main object...
by Grateful1
Sat Jul 29, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: TSA Pre-check for free
Replies: 75
Views: 8478

Re: TSA Pre-check for free

I have been regularly getting TSA Pre-check without having signed up for it. I had thought this was perhaps because with a federal job related security clearance I was know to be low risk. But maybe I am assuming the various government computers talk to each other more than they do. Maybe not.
by Grateful1
Thu Jul 27, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5033
Views: 1294333

Re: What Movie Have You Recently Watched?

Recently watched the movie The Hundred Foot Journey. Both my wife and I enjoyed it.
Directed by Steven Spielberg movie. Stars Helen Mirren. Great story, well told, wonderfully acted.
Highly recommend.
by Grateful1
Mon Jul 24, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Best Way to Sharpen Tools
Replies: 11
Views: 1677

Re: Best Way to Sharpen Tools

Check out your local hardware store. Our neighborhood hardware store sharpens lawn equipment, branch loppers , etc. for a nominal charge. Cost for a sharpener would pay for nearly a lifetime of hassle free friendly hardware store tool sharpening. I suggest it is not worth doing it yourself. I say th...
by Grateful1
Tue Feb 21, 2017 8:10 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 10768

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

65 yo, RETIRED 3 years but to my surprise STILL ACCUMULATING as income from pension exceeds expenses. We live in a low cost of living area and have modest tastes. This combined with long habits of LBYM results in the very good problem of our checking account filling up significantly every few months...
by Grateful1
Fri Feb 17, 2017 5:44 pm
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 4472

Re: Convince Wife for Honda Odyssey

My wife has a Honda Odyssey and LOVES it. We decked it out with leather seating, nav package, and an entertainment system for the grandchildren. It handles very well. Drives like a car yet has much greater passanger and cargo capacity. Extremely reliable. No maintenance problems at all. Most trouble...
by Grateful1
Sat Feb 11, 2017 8:25 pm
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 12240

Re: Saved too much? What do you splurge on?

Earlier in this thread the original poster, Msk mentioned back discomfort which caused him to "splurg" on a special bed. I suggest he also "splurge on" buying the paper back book YOGA HEALS YOUR BACK: 10-MINUTE ROUTINES THAT END BACK AND NECK PAIN By Trieger, Rita ( Author) 2005 [ Paperback ] Paperb...
by Grateful1
Fri Jan 20, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 418
Views: 70274

Re: Good Modern Science Fiction

I very much enjoyed Saturn Run by John Sanford.
by Grateful1
Fri Dec 23, 2016 11:15 pm
Forum: Personal Finance (Not Investing)
Topic: Required Manditory Distribution from Inherited IRA at Christmas
Replies: 7
Views: 1180

Required Manditory Distribution from Inherited IRA at Christmas

I've set it up so that a few days before Christmas Vanguard automatically transfers to me the RMD from an IRA I inherited from my mom. This amounts to about $1,000/yr. Though she passed away several years ago, the timing of this annual RMD just before Christmas day make it feel like a Christmas pres...
by Grateful1
Fri Dec 16, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 6813

Re: Personal fulfillment in retirement

Retired now 2 yrs and loving every minute of it. My biggest surprise is how much I enjoy no longer being time pressured. I used to work very long hours in my profession and had responsibility for the lives of others. Laying down that heavy load has been a relief. No longer do I have to continuously ...
by Grateful1
Wed Dec 14, 2016 8:16 pm
Forum: Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 3379

Re: Difficult choices among ability, willingness, and need to take risk

I appreciate the many thoughtful responses so far. inbox788 thanks for your summary perspective and thanks to all the rest who have / or will offer their suggestions. Much as cinghiale said in the 1st response it would be traditional and reasonable for me to pick an AA between 35/65 to 60/40 equitie...
by Grateful1
Mon Dec 12, 2016 11:41 pm
Forum: Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 3379

Re: Difficult choices among ability, willingness, and need to take risk

The ability willingness and need model does not apply to everyone. Maybe try how you would react to various states of the world type logic. Pick some various possible scenarios with some real world possibility. A stock market drop that takes a decade to recover from - inflation rates from the 1970'...
by Grateful1
Mon Dec 12, 2016 11:12 am
Forum: Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 3379

Re: Difficult choices among ability, willingness, and need to take risk

Perhaps lack of Need trumps Ability and Willingness to take risk.
Kind of like "paper over rock" in the rock-paper-scissors of investing.
But I am looking for a more nuanced guidance, with willingness to invest now cutting less need to take risk. 8-)
by Grateful1
Mon Dec 12, 2016 10:09 am
Forum: Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 3379

Re: Difficult choices among ability, willingness, and need to take risk

As additional information to help with recommendations .... Much of our savings is actually NOT in taxable. A bit more specifically...... $420,0000 in Roth. (Because of this wonderful forum I learned enough to do a back door Roth via the VCP (Voluntary Contribution Program, which is part of the olde...
by Grateful1
Mon Dec 12, 2016 2:27 am
Forum: Personal Investments
Topic: Difficult choices among ability, willingness, and need to take risk
Replies: 28
Views: 3379

Difficult choices among ability, willingness, and need to take risk

There is a mismatch between our ability, willingness, and need to take investing risk. How does one sort this conundrum out? As background, we have been lifelong savers with LBYM lifestyles; not investors. Fortunately our retirement was saved from our financial illiteracy through mostly automatic co...
by Grateful1
Wed Nov 30, 2016 6:42 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling like you've "made it"
Replies: 107
Views: 14004

Re: Feeling like you've "made it"

Relax, congratulate yourself on your progress, and move on. Life really is about the journey, not the destination.
Have a good ride.
by Grateful1
Fri Nov 11, 2016 2:09 am
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 6281

Re: Looking for recommendations on aerobic exercise equip.

Are these the YouTube videos I see on the web under "total immersion videos" ? The most useful resource I found in learning proper freestyle swimming technique was the " Effortless Endurance Self-Coaching Course" from Total Immersion. This is a series of videos and text lessons available as a downl...
by Grateful1
Thu Nov 10, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on aerobic exercise equip.
Replies: 55
Views: 6281

Re: Looking for recommendations on aerobic exercise equip.

I am 64 yrs old. I am currently jogging 3.5 miles every other day. However, my knees are giving signs of wear and tear. So I am looking to reduce my jogging and replace it with some indoor aerobic exercise. I have a treadmill and a elliptical at home, but I do not enjoy using them. I also enjoy bik...
by Grateful1
Sun Sep 04, 2016 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Military Retirement/Pension vs. Higher Income
Replies: 18
Views: 2727

Re: Military Retirement/Pension vs. Higher Income

Nthomas thank you for your service. If preserving retirement pension benefits from your military time while having relief from forced moves / deployments is your goal a good option is to look into becoming a physician for the Dept of Veterans Affairs. Despite the politician's continual trashing of t...
by Grateful1
Sun Aug 28, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Article: "Yes you can be too conservative"
Replies: 38
Views: 5551

Re: Article: "Yes you can be too conservative"

What is the point of consuming more just to increase to one's maximal possible consumption? Our culture has lost it's footing. Strange culture that it is encourages paring back savings, maximizing spending and planning on higher eventual withdrawal rates. The general culture overspends purchasing mo...
by Grateful1
Wed Jul 27, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: Interesting Interaction with Edward Jones
Replies: 43
Views: 5649

Interesting Interaction with Edward Jones

A moment ago I answered a knock on the door to find a polite youngish middle aged well dressed male who introduced himself as being with the Edward Jones office in our community. He said he was going through the neighborhood introducing himself to households near his office and he asked if I had som...
by Grateful1
Fri May 13, 2016 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: FERS FEHB and Medicare Part B
Replies: 25
Views: 4693

Re: FERS FEHB and Medicare Part B

Recently we faced the same decision and chose to continue Federal Blue Cross, Blue Shield - Standard (BCBS) and forego medicare part B. Our local BCBS plan does not change upon reaching retirement age and we have been quite happy with it for >30 yr. We asked ourselves why we would want to buy additi...
by Grateful1
Sat Apr 30, 2016 10:25 pm
Forum: Personal Consumer Issues
Topic: Binoculars for Birding Boglehead-wise
Replies: 23
Views: 2601

Re: Binoculars for Birding Boglehead-wise

Have any of you had experience with image stabilized binoculars?
by Grateful1
Mon Apr 18, 2016 12:00 am
Forum: Personal Finance (Not Investing)
Topic: VA Medical Benefits
Replies: 13
Views: 2288

Re: VA Medical Benefits

The VA besides providing care to Veterans with service connected disabilities, provides care to service men and women for a year after discharge, and it also serves as a major social safety net for low income former service men and women. For this later group congress requires means testing for elig...
by Grateful1
Sun Mar 13, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Public Health (MPH) as a career choice...
Replies: 19
Views: 3512

Re: Public Health (MPH) as a career choice...

Job opportunities with an MPH are much improved if one also has an R.N. or M.D. Degree. An MPH alone would be harder to utilize, less competitive in the health care world.
by Grateful1
Thu Mar 10, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Renting to Family Members
Replies: 26
Views: 3660

Re: Renting to Family Members

Since the time of the original post I have spoken with my son and daughter-in-law about this in depth including sharing with them the viewpoints expressed in the Bogelhead responses so far. They are both thrilled at the prospect of my wife and I helping them out in this way. We would be purchasing a...
by Grateful1
Wed Mar 09, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Renting to Family Members
Replies: 26
Views: 3660

Renting to Family Members

I would value the group’s perspective on my plan to purchase a second house near our own home for the purpose of providing family partially-subsidized housing for my son, wife, and soon baby-to-be. Recently we received the joyful news that our son and daughter-in-law (a great gal we like and love ve...
by Grateful1
Wed Jan 27, 2016 12:17 am
Forum: Personal Consumer Issues
Topic: Anyone driven Oregon to Chicago in Jan-Feb?
Replies: 25
Views: 3456

Re: Anyone driven Oregon to Chicago in Jan-Feb?

Similarly I have done long distance ( 20+hr) drive from Iowa to Vermont in January. Key was that I carefully watched the weather and did this while there was a large high pressure zone over most of the route. Interstates are well maintained but with unpredictable spots where the snow plows may not h...
by Grateful1
Fri Jan 15, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Group Life Insurance After Retirement
Replies: 15
Views: 3656

Re: Federal Employees Group Life Insurance After Retirement

Yes FEGLI Basic becomes free at age 65. I did not mean to say 68 above. Its the death benefit that at a bit over age 68 reduces to 25%.
Sorry if I caused confusion on that.
by Grateful1
Fri Jan 15, 2016 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees Group Life Insurance After Retirement
Replies: 15
Views: 3656

Re: Federal Employees Group Life Insurance After Retirement

The amount of FEGLI Basic coverage is equal to one's salary prior to retirement. So even after the 75 reduction at about age 68 premium free coverage remains in effect with a death benefit equal to 25% of one's prior annual pay . If one were to have been in a higher paying role 1/4th of a years pay ...
by Grateful1
Sat Nov 28, 2015 1:08 am
Forum: Investing - Theory, News & General
Topic: Corporation investing time horizon questions
Replies: 7
Views: 931

Corporation investing time horizon questions

Unlike individuals, a corporation is not mortal so potentially can have a very, very long investing time horizon. How does this works out in the real world? Are there instances in which a company takes effective advantage of compounding over multi-generational time spans? (On first thought endowment...
by Grateful1
Wed Nov 04, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: 33y/o Resident MD - debt, investment, buy home?
Replies: 23
Views: 3702

Re: 33y/o Resident MD - debt, investment, buy home?

I understand your situation well as I too had substantial medical school loan debt, was married and had children during residency and faced the home buying decision. I have also gone through the same thing with two of my now grown MD sons. And as an attending / professor in a surgery residency progr...
by Grateful1
Sat Sep 19, 2015 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Free Kindle Downloads Today
Replies: 49
Views: 6346

Re: Free Kindles Today

Thanks. Much appreciated. I will read these e-books.
by Grateful1
Fri Sep 18, 2015 11:52 am
Forum: Personal Consumer Issues
Topic: Any experience with stainless steel counter tops?
Replies: 12
Views: 1487

Any experience with stainless steel counter tops?

We are planning a kitchen remodel so we considering various counter top options. Stainless steel has some attraction because it is nonporous and it has modern appearance. I would appreciate input from anyone who has lived with stainless steel counter tops.
by Grateful1
Fri Sep 18, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Anyone Use a Gas Insert Fireplace?
Replies: 21
Views: 3609

Re: Anyone Use a Gas Insert Fireplace?

We converted a conventional wood burning fireplace to a gas insert about 5 years ago and are extremely pleased with the change. Whereas we previously had used the wood burning fireplace only intermittently because of hassle factor, heat loss and cold drafty feel, we use the gas insert nearly every e...
by Grateful1
Fri Sep 11, 2015 9:18 pm
Forum: Personal Investments
Topic: Buy now or wait for Fed decision on 17 Sep?
Replies: 15
Views: 2538

Re: Buy now or wait for Fed decision on 17 Sep?

Buy now or wait for Fed decision on 17 Sep? Postby ddurrett896 » Fri Sep 11, 2015 1:42 pm Red or Black? If life were only so simple as just "red or black" ... The one and only time I tried a little gambling in Las Vegas I bet $50 on a roulette wheel on red thinking what the heck I had a 50% chance ...
by Grateful1
Wed Jul 29, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: CFA Exam Results
Replies: 19
Views: 2811

Re: CFA Exam Results

CONGRATULATIONS on passing part 2 of the Chartered Financial Analyst exam. I can understand as yesterday my son too was notified that he had passed part 2 of the CFA exam. Happy and a huge relief. These series of 3 tests are a high bar and those who get through all successfully have demonstrated kno...
by Grateful1
Mon Jun 22, 2015 12:57 am
Forum: Investing - Theory, News & General
Topic: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?
Replies: 98
Views: 27741

Re: Retirees: Did you spend much time wringing your hands over Retirement Savings as Many on Forum Do Today?

No I did not spend much time, thought or anxiety over saving for retirement but instead did actions and behaviors that helped insure eventual financial independence and a good life. Specifically I worked hard in school, got a great education. Lived life with intergrity. Married a great gal with frug...
by Grateful1
Sun Jun 21, 2015 11:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4203
Views: 1212221

Re: What Book Are You Currently Reading? Part VI

Just finished SCORPION DOWN ... Sunk by the Soviets, Buried by the Pentagon : The Untold Story of the USS Scorpion by Ed Offley. It recounts the loss of the nuclear submarine USS Scorpion (SSN-598) at sea on Memorial Day May 27, 1968. This book will especially appeal to those who grew up during the ...
by Grateful1
Tue May 12, 2015 11:22 am
Forum: Personal Investments
Topic: Annuitized so much already ... doubting value of delaying S.S.
Replies: 19
Views: 4512

Re: Annuitized so much already ... doubting value of delaying S.S.

Original poster here. Thanks for the replies. Contemplating taking SS somewhat early and the rationalizations about not needing further annuitization comes from my reluctance to the idea of potentially taking money from retirement accounts in the future. It is surprisingly difficult to transition to...
by Grateful1
Tue May 12, 2015 1:31 am
Forum: Personal Investments
Topic: Annuitized so much already ... doubting value of delaying S.S.
Replies: 19
Views: 4512

Annuitized so much already ... doubting value of delaying S.S.

It seems that the best argument for delaying Social Security is that doing so provides protection from outliving one's money; that by delaying S.S. one is purchasing additional secure low cost annuity protection. However perhaps there is less utility in continuing to delay SS if one already has the ...