Search found 128 matches

by ychuck46
Mon Sep 28, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: DIY life style. Typical Boglehead?
Replies: 65
Views: 4800

Re: DIY life style. Typical Boglehead?

1. Pretty good at doing all my own electrical work. Self taught as with all the other points below. It is actually easier for me than, say, sweating copper plumbing because you know pretty quickly when you turn that breaker back on if you were right or wrong (although I suppose you would know the sa...
by ychuck46
Mon Sep 28, 2020 12:16 pm
Forum: Personal Consumer Issues
Topic: Relocating from SEPA to Buffalo Area - Seeking Input
Replies: 1
Views: 146

Re: Relocating from SEPA to Buffalo Area - Seeking Input

We left Upstate NY ten years ago (Syracuse area, not Buffalo). Couple of observations: -The home prices you quote seem high particularly for Buffalo, considered one of the more reasonably priced home markets in the country. -Be prepared for lots of fees and lot of regulations on top of the high taxe...
by ychuck46
Mon Sep 28, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Does anyone recommend this $350 laptop?
Replies: 42
Views: 2513

Re: Does anyone recommend this $350 laptop?

Have had great success with fully reconditioned units you can find in a variety of areas on the web. They last as long as new and give you much better specs for the money.
by ychuck46
Mon Sep 28, 2020 12:07 pm
Forum: Investing - Theory, News & General
Topic: Retirees spending question
Replies: 31
Views: 2607

Re: Retirees spending question

Retired for six years now. We spend less. You'll be amazed how much living you can fit in (traveling, entertainment, eating out, etc) at a lower cost than when you were working and perhaps less inclined to look for the absolute best deals. Plus we have zero debt now that a home equity line we took o...
by ychuck46
Sun Sep 13, 2020 11:00 am
Forum: Personal Consumer Issues
Topic: what do others pay for umbrella insurance, and is it needed?
Replies: 58
Views: 4622

Re: what do others pay for umbrella insurance, and is it needed?

I also have a $2M umbrella policy that costs $414/year. It depends upon a lot of factors. Where you live, crime rates, animals you own, propensity of people to sue, property you own, etc. Bottom line is one size does not fit all.
by ychuck46
Thu Sep 10, 2020 11:21 am
Forum: Personal Consumer Issues
Topic: Replacing a 20-year-old central air conditioning
Replies: 66
Views: 5962

Re: Replacing a 20-year-old central air conditioning

When we moved to the South ten years ago we decided to change/replace both large AC units (we have a large, long house). The company suggested Amana units which have been working great. Amana bought out a lot of AC companies over the years which I did not know at the time, but it has worked out.
by ychuck46
Sat Jul 25, 2020 6:58 pm
Forum: Investing - Theory, News & General
Topic: Re-Retiring Financially (SWR) After Good Year
Replies: 63
Views: 5421

Re: Re-Retiring Financially (SWR) After Good Year

Personally I only ever used the % rule, whether 4% or less, for modeling purposes. When I retired I have kept it well under that figure as far as any withdrawals and it still allows us to live a very nice life, since we prepared well in advance. No debt, moved to a low COL state, etc. We spend what ...
by ychuck46
Sun Jun 21, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Restaurants recommendations
Replies: 73
Views: 5168

Re: Restaurants recommendations

Not sure of the price points you are trying to hit. Even though the wife and I are fairly well off we still enjoy deals most of the time. As far as chains: 1. Burgers - I still like Hardee's better than anyone. And they do a great Charbroiled Chicken as well (get it without mayo and it is pretty hea...
by ychuck46
Sun May 24, 2020 5:11 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13961

Re: If Jeep has such poor reliability, how come they are everywhere?

It seems that Jeep vehicles are nearly legendary for their poor reliability ratings, and yet I see them everywhere like dandelions. Why are they so popular when they have such a poor reputation? I'm wondering if I should consider buying one. The Grand Cherokee would be my choice. What do Bogleheads...
by ychuck46
Sun May 24, 2020 5:09 pm
Forum: Personal Consumer Issues
Topic: If Jeep has such poor reliability, how come they are everywhere?
Replies: 174
Views: 13961

Re: If Jeep has such poor reliability, how come they are everywhere?

Every Jeep owner we have ever known has had constant trouble with their vehicles. Take it out offroading and I guarantee it will be in the shop, just like theirs. We have had a Hummer/H3 that we bought new in 2007 and it still runs great with no major issues to speak of, knock on wood. And see if a ...
by ychuck46
Thu Apr 23, 2020 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9464

Re: Parents want me to pay off their mortgage in exchange for title

[/quote] Hehehehe, oh is he going to pay for this "deal". Until you've dealt with financially dysfunctional parents there's no such thing as a "deal" with them. It's a black hole with no return other than heartache. And it's always your fault. BTDT. [/quote] You are spot on. As others have stated th...
by ychuck46
Thu Apr 23, 2020 1:36 pm
Forum: Personal Investments
Topic: Retirees: Walk me thru your portfolio drawdown process
Replies: 39
Views: 3807

Re: Retirees: Walk me thru your portfolio drawdown process

So far I have been retired for six years, the last three of which I have been collecting SS. I tend to keep a couple of years worth of cash needs in a MMF or short term bond ETF at Vanguard, and I transfer $ to my checking account just about every January. So far I have not needed to pull any more c...
by ychuck46
Sat Apr 18, 2020 8:46 am
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 14317

Re: How many paid for kids' college?

We paid 100% for our daughter's college education. Any cost associated with it we paid, whether tuition, room and board, textbooks, etc. She went to a community college for her first two years and finished with a state university her final two, so the costs were not that bad. She was an only child, ...
by ychuck46
Wed Dec 04, 2019 9:05 am
Forum: Personal Finance (Not Investing)
Topic: 25 years old roof
Replies: 14
Views: 1361

Re: 25 years old roof

We lived in Upstate NY for decades before moving nine years ago, so we had experience with roofs in both a severe winter area and in one that has a lot of sun. A 25 year old roof in the North? It will need to be replaced. Realistically 30 year shingles will last 22 years or so tops in that climate. ...
by ychuck46
Wed Dec 04, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Retirees, which accounts do you consume first: Taxable, Deferred,...?
Replies: 37
Views: 3087

Re: Retirees, which accounts do you consume first: Taxable, Deferred,...?

I struggle with this sometimes myself since RMDs will definitely have us in a higher tax bracket when we hit 70-1/2 (hopefully it will be 72 in the near future). Therefore I have begun to pay some expenses, such as our income tax bill in retirement, from a tax-deferred account. Others might disagree...
by ychuck46
Thu Nov 28, 2019 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What's your FIRECALC number?
Replies: 58
Views: 8466

Re: What's your FIRECALC number?

I like it that we hit 100%. Right now we hit 100% on almost twice the level of spending that we currently do. I like the margin of error.
by ychuck46
Thu Nov 28, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 317
Views: 28883

Re: H&R BLOCK Pre-Order 2019 Software Offer

Just ordered the download of the H&R Block Federal package from Amazon. $14. Don't need the state return since I live in a no tax state, and it was the best deal I have seen, so I'll have it ready to go when we return from our winter travels.
by ychuck46
Thu Nov 28, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8283

Re: What Items Are You Targeting for Black Friday Sales?

We don't need anything, quite frankly, but I just got a second Amazon Echo for the wife this AM. She can keep it in her office and we can leave our first in the kitchen, and we'll also take the new one with us when we leave for the winter.
by ychuck46
Thu Nov 28, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8283

Re: What Items Are You Targeting for Black Friday Sales?

HoosierJim wrote: Wed Nov 27, 2019 11:15 am Hulu will probably offer the $1 / month deal like last year. Definitely worth $1 / month.
Just got an email this AM. Offering $1.99 for the next 12 months.
by ychuck46
Thu Aug 29, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your plan for the last few years of a long life?
Replies: 230
Views: 17119

Re: What is your plan for the last few years of a long life?

A constant stream of sex, drugs, and rock&roll. The rest of my time will be just wasted. Or is it that I will be wasted? I get confused.
by ychuck46
Sun Aug 25, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: What do you think about this $4M house idea?
Replies: 103
Views: 8403

Re: What do you think about this $4M house idea?

A 30 year, $3M mortgage at 3.92% would be over $14K/month. You would be spending over $168K per year for a mortgage on a house that someone else uses for 2-3 years. Maybe it is just me but it sounds like a horrible deal for you guys. Even if you got them up to $150K per year, a longshot, you are sti...
by ychuck46
Thu Aug 22, 2019 10:36 am
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 171
Views: 15086

Re: When Did You Ease Up On Saving Aggressively?

Never let up until the last day of work and a paycheck. Even the checks coming after I stopped working were maxing out the retirement accounts. Saving was just in my blood from a young child.
by ychuck46
Thu Aug 22, 2019 10:31 am
Forum: Personal Investments
Topic: 401k Rollover disaster
Replies: 31
Views: 2379

Re: 401k Rollover disaster

"Everything was put into American Funds spreading them out between 10 different funds." That was the first mistake, since American largely enriches FAs in the short-term. Here is a snapshot of American's front-end load structure: American Funds does not advertise. It markets its funds by compensati...
by ychuck46
Wed Aug 14, 2019 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 19801

Re: Are you a "solo ager?"

tooluser wrote: Sat Aug 10, 2019 12:47 am Robots will likely be able to deliver a better simulation of care than humans. Looking forward to them.
They also won't steal everything you have when family members aren't around, or sit there laughing when you need help getting out of bed.
by ychuck46
Mon Jul 29, 2019 4:49 pm
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 10052

Re: Whole-house generators - Generac, Kohler, or Briggs?

Live in TN. We have had a whole house Generac (20Kw) for about four years now, also tied into the natural gas line. It has worked flawlessly so I am really big on them. Our local installer also offers Kohler but I believe the vast majority of people still go with Generac. The price seems reasonable ...
by ychuck46
Tue Jul 09, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Retirees, did your level of luxury increase faster than you anticipated?
Replies: 47
Views: 5743

Re: Retirees, did your level of luxury increase faster than you anticipated?

We travel quite a bit, about 4-5 months out of the year, although we stay in one resort for three months during the winter so it is more like a second home (we have a lot of timeshare points in case you are wondering). Otherwise our costs have been capped pretty well since I retired five years ago, ...
by ychuck46
Mon Jul 01, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 24004

Re: Do you share your net worth with family members?

The parents are passed so that is a non-starter. My siblings? No way, no how. They are the most jealous bunch imaginable and I am sure it would blowback negatively on me.
by ychuck46
Thu Jun 13, 2019 4:54 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 10565

Re: How safe are pensions in the U.S.?

As far as corporate pensions go, how much do you trust CEOs and companies to keep their promises? That's what I thought. And while some states such as IL have been atrocious at funding their public pensions, preferring to spend any $ earmarked for that on more "deserving" people, others such as NY (...
by ychuck46
Thu Jun 13, 2019 4:50 pm
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 4220

Re: Do you repair your own appliances?

Try to do everything myself, whether fixing appliances or any other jobs around the house. This one was minor but I ran over an emitter valve with the lawn tractor this week that was at the end of the sump pump line out in the side yard and shredded the popup portion. Went to Lowe's were they had th...
by ychuck46
Mon May 27, 2019 8:23 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4606
Views: 1281004

Re: What Book Are You Currently Reading? Part VI

"Goebbels: A Biography" by Peter Longerich. Helps me to understand where the mass media of today got its roots.
by ychuck46
Wed Apr 17, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: I give up on discount movie apps....
Replies: 11
Views: 1360

Re: I give up on discount movie apps....

Was an avid user of Dealflicks for a # of years. Disappointed when they went defunct this past year. Now I just do the senior discount pricing on all days/all times at the AMC theaters.
by ychuck46
Wed Apr 03, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 303
Views: 38173

Re: "The best and worst U.S. states for retirement"

This survey was probably one of the worst I have seen so far. Our adopted state for the last nine years, TN, always ranks high as far as affordability, and affordability is the one metric the vast majority of retirees are looking at. Supposedly this survey is based on three criteria, COL, health car...
by ychuck46
Sun Oct 28, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: How many miles (total) on car before buying another car ?
Replies: 114
Views: 7836

Re: How many miles (total) on car before buying another car ?

Our current vehicles are a 2007 H3 with 86K miles, and a 2012 F-150 with 89K. Not thinking of trading in either since they both run great. Hope to take the F-150 up to hundreds of 1000s of miles. Maintenance costs are reasonable; if they stay that way we have no need to change regardless of age or m...
by ychuck46
Wed Sep 05, 2018 2:09 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 10311

Re: How to "waste" money on groceries?

How do I waste money on groceries? By bypassing the ground beef in the meat aisle and getting my hamburgers from Hardee's!
by ychuck46
Sun Jun 10, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Retire in 2 years at 55 - Can I do it
Replies: 26
Views: 4283

Re: Retire in 2 years at 55 - Can I do it

To net things out - Yes.
by ychuck46
Tue May 01, 2018 9:40 am
Forum: Personal Finance (Not Investing)
Topic: How would you handle a request for money from a niece?
Replies: 89
Views: 9435

Re: How would you handle a request for money from a niece?

I suspect she is starting out with this small amount to test the waters; if successful it will ratchet up over time. I would not open that door to her or you'll be in a worse situation down the road. When my father died I took responsibility for my mother's investments, and kept all wolves from her ...
by ychuck46
Wed Apr 25, 2018 2:59 pm
Forum: Personal Consumer Issues
Topic: Need to cut the cable cord - is there an alternative?
Replies: 42
Views: 5811

Re: Need to cut the cable cord - is there an alternative?

We got off DirecTV satellite and went for the DirecTV Now streaming service using Amazon Fire Sticks on the TVs. I find it to be great since I have the flexibility of putting TVs anywhere that it may have been problematic to run cable for either cable TV or satellite service (think a sunroom with ti...
by ychuck46
Wed Mar 28, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 19453

Re: Healthy eaters -- is this grocery budget normal to you?

I will admit I am not on the organic bandwagon except for when the prices are close to regular prices for similar items. We shop at Kroger's and find a lot of items that come close, and we also hit Aldi's for some materials and Sam's Club for their large sizes of cherry tomatoes and the like. The wi...
by ychuck46
Sun Mar 18, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: Selling time share "points" for my stepfather
Replies: 12
Views: 1817

Re: Selling time share "points" for my stepfather

We are owners of a large number of points in the Wyndham timeshare system. Quite frankly, points have little value on the open market. Most go on eBay and elsewhere for next to nothing, and many (erroneously) think they have to pay others to unload the points for them. Points should never be conside...
by ychuck46
Fri Mar 16, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do you pick a financial advisor?
Replies: 8
Views: 1325

Re: How do you pick a financial advisor?

I don't. I have educated myself over the decades and make all my own decisions, which involve both active trading (including selling put and covered call options) and low-cost ETFs and mutual funds when an equivalent ETF is not readily available. Personally I would recommend you do not use a FA, sin...
by ychuck46
Fri Mar 16, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Septic Maintenance Routine
Replies: 24
Views: 2249

Re: Septic Maintenance Routine

We have been in our house for 7-1/2 years, buying it used. We had it pumped out the second year we were here but I have not done so since. We are careful about what we put down the sinks or toilets (e.g. no grease or dairy products, as well as the obvious others have said above). I also put down a p...
by ychuck46
Tue Mar 13, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Finally Cutting the Cord - YouTube TV
Replies: 57
Views: 10005

Re: Finally Cutting the Cord - YouTube TV

We went with DirecTV Now a week ago and are pleased. Why? We took the second level package that after our initial three month discount period will be $60 per month, the ability to stream to any device, being able to locate TVs in places that running cable would have been problematic, the cost, etc. ...
by ychuck46
Wed Dec 13, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 6118

Re: Cheap tablet just for internet surfing

My wife has been an avid user of an iPad for many years, but bit recently on a great offer from Amazon for an Amazon Fire 10. She absolutely loves it, more than the iPad. As others have suggested, might be a great route to go for a lower cost tablet.
by ychuck46
Wed Dec 06, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: How do you know you are FI? [Financially Independent]
Replies: 48
Views: 5265

Re: How do you know you are FI?

We currently have over 40x our living expenses in investments alone. If I net out those expenses by taking out our SS it is over 70x expenses. Most analysts/advisers/BHs will tell you that is enough, as will all the Monte Carlo simulations. Even with that I felt I should work longer than I did (stop...
by ychuck46
Sat Nov 18, 2017 4:24 pm
Forum: Personal Investments
Topic: Do you include the sale of your home as part of your retirement planning?
Replies: 91
Views: 6891

Re: Do you include the sale of your home as part of your retirement planning?

I do not count anything that cannot be considered liquid, whether in a taxable or non-taxable. Physical real estate would not be counted in my projections, meaning our net worth is higher than I state, giving somewhat of a cushion.
by ychuck46
Mon Oct 30, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 21497

Re: What was the main reason you retired?

#4 and #8 - I guess it had something to do with being employed.
by ychuck46
Sun Oct 22, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 349
Views: 57667

Re: Does anyone here with net worths north of $1 mil use financial advisors?

By educating myself and after years of experience, I find I can lose money in the markets just as well as the vast majority of FAs out there. I can save their outrageous fees and have that much more $ to lose in the markets.
by ychuck46
Sun Oct 15, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 11262

Re: What are you driving? And would you buy your current ride again?

Me: 2012 F-150 Supercrew with about 73K miles. Would have it again in a heartbeat.

Wife: 2007 H3 Hummer with about 84K miles. She loves it; safest vehicle she has ever owned in her estimation. Can no longer buy new; wouldn't want to buy a used one.
by ychuck46
Thu Aug 31, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Do we have a toilet problem? Or drain line?
Replies: 7
Views: 911

Re: Do we have a toilet problem? Or drain line?

Does it occur after eating Mexican food, when you have visited a Chinese buffet, tried spicy Thai food, or after stopping at the local Indian restaurant? If yes, I suggest changing your diet to avoid those establishments.
by ychuck46
Sat Aug 12, 2017 9:35 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 23546

Re: How far would you travel to see The Eclipse?

Silk McCue wrote: Sat Aug 12, 2017 8:56 am
munemaker wrote:I once flew my Lear Jet up to Nova Scotia to see a total eclipse of the sun. That's about 650 nautical miles.
"Well you're where you should be all the time"- I know a lady who's friend did that one time.
"And when you're not your with ..." Who?