Search found 839 matches

by dumbbunny
Sun Oct 14, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2801

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature? Good question. We'd obviously like to experience the city, but definitely want to do other things (whitewater rafting, boat trip, maybe fishing charter). Now I'm thinking that we might just spend the whole time in Oregon using Portland as a bas...
by dumbbunny
Sun Oct 14, 2018 3:49 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3910

Re: How Much Is Your Sewer Bill?

$150/quarter
by dumbbunny
Sat Oct 13, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 39
Views: 2801

Re: Pacific Northwest trip

Portland > Dundee area (Wineries) > Gleneden Beach (Salishan Golf Resort) > Pacific City (Haystack Rock) > Tillamook (Cheese Factory) > Portland

Portland > Columbia River Gorge (Multnomah Falls) > Bonneville Dam (Salmon Ladder) > Hood River (Wind surfing) > Timberline Lodge > Portland
by dumbbunny
Thu Oct 11, 2018 7:22 am
Forum: Personal Consumer Issues
Topic: What to do with Bose cube speakers left in rec room
Replies: 17
Views: 1807

Re: What to do with Bose cube speakers left in rec room

You can probably find the acoustimass unit on eBay. That vintage Bose setup was not that great. I had them. Tinny sound compared to newer Bose systems. I would reuse the wires. Use your speakers for now. Research an upgrade later. I had this same system and the CD player needed repair twice. You st...
by dumbbunny
Tue Oct 09, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 973

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

I bailed on the iPhone 5 to get a Moto G4 in January 2017 ($150). Loved the phone but accidentally broke the screen. So waited until the Moto G6 came and bought a Moto G5+ in July 2018 ($120 on a flash sale). Supposedly it is upgradeable to Oreo when it's ready. You can thank me later.
by dumbbunny
Tue Oct 09, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12659

Re: What purchase saved you the most money?

Pizza_and_Beer wrote:
Thu Oct 04, 2018 6:17 pm
My bicycle to get around town/commute to work.
Same for me (for 19 years commuting 12 miles round trip and for 6 years commuting 25 miles round trip)
by dumbbunny
Tue Oct 09, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3268

Re: Best headphones under 500 bucks

If you are considering in-ear phones I would recommend Ultimate Ear 5 Pros.
As for cans, I have enjoyed my Bose QCs but I feel they are over-priced.
by dumbbunny
Mon Oct 08, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Garage Shelving?
Replies: 31
Views: 3240

Re: Garage Shelving?

In terms of free standing shelving. I bought the Whalen Brand heavy metal shelving from Costco. I have 2 of those free standing in my garage to divide the single bay from the double bay and it works great. Super heavy duty and wide enough to be very stable when free standing. It's industrial whareh...
by dumbbunny
Thu Oct 04, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3178

Re: Case for buying individual Stocks as 10% of portfolio

As they say famously that $1000 investment each in Apple in 1980 ($300k now), Microsoft in 1987 ($600k now), Walmart in 1980 ($1.7M now) would have netted over $2.5M in the past 40 years. In addition to the other many problems with your plan one problem that has not been mentioned is that even if y...
by dumbbunny
Thu Oct 04, 2018 8:19 am
Forum: Personal Consumer Issues
Topic: Black suit with dark brown shoes?
Replies: 59
Views: 3936

Re: Black suit with dark brown shoes?

No.
I remember this comment by George Gobel on the Johnny Carson show.
https://www.youtube.com/watch?v=efHVcgUajtA
by dumbbunny
Wed Sep 26, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Know Any Good Forums for Android Smartphone Users?
Replies: 7
Views: 840

Re: Know Any Good Forums for Android Smartphone Users?

I use a forum brand specific for my phone - Moto G. - but I keep it to a minimum because a lot of geeks hang out and blather. I get most of my help from clicking on the Moto and Device Help app on the phone itself.
by dumbbunny
Wed Sep 26, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8989

Re: Losing Passion for Hobbies. Cheap or normal aging?

Not gonna play psychologist here but you might be going through a phase. My life is one phase after another. Some phases I nurture as I find another and other phases die. It drives my wife (and friends) nuts wondering which phase I'm going through (or starting).
by dumbbunny
Tue Sep 25, 2018 8:49 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25228

Re: What is your single most expensive mistake?

Wrong career choice. I was offered a full-time job at the local public library after working there part-time. At the same time I was offered a marketing job for a local (but national) craft brewery. I chose the marketing job based upon a passion for craft beers and the "glamour" of it here in the Pa...
by dumbbunny
Sat Sep 22, 2018 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Quicken - Do you use it?
Replies: 59
Views: 4037

Re: Quicken - Do you use it?

I started using Quicken in the early 90's - Mac version. I would upgrade to the newer versions until my Macbook OS couldn't run the upgrade. Since I didn't want to purchase a new Mac I decided to enter my transactions into an LibreOffice spreadsheet. Although I miss some of the reports I could run i...
by dumbbunny
Sat Sep 22, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Question
Replies: 13
Views: 1076

Re: Bond Fund Question

thank you both for your help. I see what you're pointing out, Livesoft.... so maybe what I do is leave my Total Bond as is, but for future contributions, put into the Short Term Bond fund (at least diversify the bond holdings).... You would then have a Four Fund portfolio. Is that what you really w...
by dumbbunny
Sat Sep 22, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6513

Re: My Very First Smartphone — Please Critique This Plan

Since you are using Consumer Cellular, go with one of the phones they offer. I would suggest the Moto G6. I use CC and have the Moto G5+. You can thank me later.
by dumbbunny
Thu Aug 16, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 870
Views: 94926

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

Upon a recommendation, I watched Hell on Wheels on Netflix. Thoroughly enjoyed the series. Now my wife and I are rewatching the ER series (YouTube TV) and when she is not in the viewing mood, I watch NYPD Blue on Amazon Prime.
by dumbbunny
Tue Aug 14, 2018 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Marriage [How should finances be handled?]
Replies: 74
Views: 7741

Re: Marriage [How should finances be handled?]

My wife wanted separate accounts. It was her second marriage and my first. Twenty six years later both systems (finances and marriage) are working. Good luck
by dumbbunny
Fri Jun 29, 2018 11:48 am
Forum: Personal Consumer Issues
Topic: Cheapest way to buy a phone in 2018?
Replies: 73
Views: 7590

Re: Cheapest way to buy a phone in 2018?

If you don't mind Android, the best value is Motorola's Moto line. The Moto G is the midrange, Moto E is even cheaper. You can get the latest Moto G6 Plus unlocked from Amazon for $235; the older G5 is even cheaper. I jumped off the Apple cart when a video I was shooting failed to record the sound....
by dumbbunny
Fri Jun 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5620

Re: Apple MacBook Air On Sale $699

Alexa9 wrote:
Fri Jun 15, 2018 11:19 am
Embarrassing that Apple still even sells that model as a current model and even more embarrassing that people still buy it. Same with their Mac Mini/Pro.
I jumped off the Apple wagon and jumped on the Chromebook wagon. Doing the same might not work for everyone but it certainly did work for me.
by dumbbunny
Fri Jun 15, 2018 4:30 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18568

Re: Life in retirement - what did you do today?

Retired for 10 years except for a 2 year volunteer-turned part-time job with my church. I am 64. Got up at 4 am and made coffee. Browsed this forum and watched pre-US Open telecast. Wife gets up at 7 am and we talk and watch the Today show until 9 am. I planted a clematis and putzed in the garage/ya...
by dumbbunny
Tue Jun 12, 2018 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 19601

Re: Who uses the 3 fund portfolio ?

I have had the Three Fund Portfolio since 2006 when I unfortunately sold my last individual stock holding - AAPL - to be all in. At 50/50, I thought it would be a SWAN portfolio but the thought of what could have been with my AAPL shares sometimes keeps me up at night.
by dumbbunny
Wed Jun 06, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18478

Re: Top Shelf Liquor Overrated?

IMO, yes. I won big at the craps table one night and decided to treat my friends to a bottle of Bookers Small Batch - comes in a wood case - for around $75. All agreed it was like swallowing a furnace and also agreed that less expensive bourbons tasted much, much smoother. I used the remainder of t...
by dumbbunny
Tue Jun 05, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 18478

Re: Top Shelf Liquor Overrated?

IMO, yes. I won big at the craps table one night and decided to treat my friends to a bottle of Bookers Small Batch - comes in a wood case - for around $75. All agreed it was like swallowing a furnace and also agreed that less expensive bourbons tasted much, much smoother. I used the remainder of th...
by dumbbunny
Mon Jun 04, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 6934

Re: Need advice on 1st international vacation

Consider Spain. Start a Renfe (Spain) or Eurail (Europe) account. If renting a car, chose diesel. Google the exact pick-up and drop-off location of your rental to avoid driving around trying to find it. Sometimes the drop-offs are in an obscure public parking structure. If your ATM pin is made up of...
by dumbbunny
Sun May 27, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Near commercial level treadmill
Replies: 36
Views: 3141

Re: Near commercial level treadmill

dentoid wrote:
Sat May 26, 2018 6:11 am
I am looking for a treadmill that will receive heavy use 40-50 miles a week for an in-home gym. I have been considering the Life Fitness T3 treadmill. Budget is around $3,000. The size and fold-ability of the treadmill are not important.

Any recommendations?
True Treadmills and that's the truth.
by dumbbunny
Mon Apr 16, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Costco gas
Replies: 67
Views: 6705

Re: Costco gas

My Honda Fit has about an 8 gallon tank so I'm not saving much to drive the extra miles to save $0.25/gallon.
by dumbbunny
Thu Apr 12, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5440

Re: realtor wants to show house to buyer, no listing agent for me

OP, You've written multiple times that you are not interested in selling. Why are you even communicating this buyer and his/her agent?! You seem to realize you will have to move when you sell, but you don't seem to have truly internalized the implications of moving. Your house isn't going anywhere....
by dumbbunny
Wed Mar 28, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: Which cordless weed whacker to buy?
Replies: 49
Views: 3870

Re: Which cordless weed whacker to buy?

Here in Oregon, you can rent goats to graze on your property. They will eat "anything". I'd recommend you looking for a similar option locally.
by dumbbunny
Sat Mar 24, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: What Budget? Do you keep one?
Replies: 116
Views: 9014

Re: What Budget? Do you keep one?

We do not keep a budget, but what we do is track our spending. To me this is the most valuable thing that you can do to understand your finances. I don't go crazy--only 10 categories. It takes about 15 minutes each month and I use an old fashioned self-made spreadsheet I post all expenses in an Lib...
by dumbbunny
Tue Feb 27, 2018 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Not a tax guru but if you happen to take an IRA distribution in the last few days of December you might just barely still be in the 60 day window when you can deposit like you were moving part of the IRA. Nice one. Here's a link to a IRAHELP.COM page on the 60 day rollover rule: https://www.irahelp...
by dumbbunny
Mon Feb 26, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Check your old tax returns (2016) to see if there are any capital loss carryovers. If there are capital loss carryovers that were somehow not entered into 2017 tax return, entering them would allow the capital gains to be offset and give you a lower AGI. Did you do any Roth conversions in 2017? If ...
by dumbbunny
Mon Feb 26, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Please remember that a qualified charitable distribution (QCD) from a traditional IRA is only available to a person who has attained the age of 70.5 by the date of the actual distribution and must be taken prior to the end of the applicable tax year. I have been doing it for the past ten years in t...
by dumbbunny
Mon Feb 26, 2018 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

Gill wrote:
Mon Feb 26, 2018 7:59 pm
Make a QCD from your IRA.
Gill
Are you saying that making a QCD now or before April 15th (actually the 17th) can reduce my 2017 adjusted gross income? Thanks
by dumbbunny
Mon Feb 26, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Re: Any Ideas on How to Reduce Our Adjusted Gross Income?

I think the OP needs to reduce AGI for 2017... Not sure if there's much other than HSA or IRA contributions still available. OP here. Yes, I am looking for a way to nullify some of the income we received this year to get us under the Obamacare limit so that I don't have pay back the Premium Tax Cre...
by dumbbunny
Mon Feb 26, 2018 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Any Ideas on How to Reduce Our Adjusted Gross Income?
Replies: 16
Views: 2072

Any Ideas on How to Reduce Our Adjusted Gross Income?

My wife and I tried to stay under the Obamacare subsidy income level of $64,080 for a family of two in 2017. Alas, my wife withdrew some Vanguard SP500 shares in a taxable fund and the capital gains of $3000 took us over the limit. Our only income is social security and a small pension for her and d...
by dumbbunny
Mon Feb 26, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Talk some "cents" into me- Home Improvement
Replies: 33
Views: 1781

Re: Talk some "cents" into me- Home Improvement

I vote that you need to pay off the loans and increase 401k contributions to the max before doing optional home repairs. The other thing to consider is what other kinds of things the home might need (rather than want) in the next 5 years or so. What if you spend $20k on pavers and then you need a n...
by dumbbunny
Wed Feb 21, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Cedar Roof
Replies: 27
Views: 1963

Re: Cedar Roof

I bought a cedar shake roofed house in 1990 (built in 1985). When I sold it in 2011, it passed inspection. I cleaned out the keyways (space between the shakes) annually because of the dead pine needles from evergreens next to the house. And I replaced all the ridgecaps and any split shakes that I br...
by dumbbunny
Sat Jan 20, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Online vs CD/download
Replies: 11
Views: 1788

Re: Turbotax Online vs CD/download

SlowMovingInvestor wrote:
Sat Jan 20, 2018 5:29 pm
I believe the download version is more flexible at doing things like multiple returns for MFJ vs MFS, checking scenarios with multiple copies etc.
This. Chromebook is my daily driver but I bought a Mac mini on eBay so I could use the CD and run scenarios.
by dumbbunny
Sun Jan 07, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Memo to those who have won the game: it's time to quit playing
Replies: 211
Views: 21697

Re: Memo to those who have won the game: it's time to quit playing

According to cfiresim.com I have won the game but I'm still 60/40 and I am selling on the equity side to make a cash reserve to get me through until I start to receive SS in two years. Play on.
by dumbbunny
Thu Jan 04, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 29672

Re: Hitting The Sell Button

nedsaid wrote:
Wed Jan 03, 2018 11:24 pm
How are other older investors like me reacting to this? Am I alone in how I feel about this?
Retired. Looking at 64 in March. I am just following my IPS. 60/40. Re-balancing at 5%. Reinvesting dividends into money market.
by dumbbunny
Tue Jan 02, 2018 9:49 pm
Forum: Investing - Theory, News & General
Topic: Talk me out of a 60/40 AA
Replies: 76
Views: 9859

Re: Talk me out of a 60/40 AA

nasrullah wrote:
Tue Jan 02, 2018 9:39 pm


Found FireCalc https://www.firecalc.com/ and just lost the next week of my life :) Thanks, this is pretty amazing.
Try www.cfiresim.com, too, if you have time.
by dumbbunny
Wed Dec 06, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: Dad Needs Help Buying Wedding Liquor
Replies: 76
Views: 9120

Re: Dad Needs Help Buying Wedding Liquor

I went to a wedding and both the bride and groom had a signature drink that you could order. Whiskey Press (for the groom) and I don't remember the bride's choice. And there were two wines - a pinot noir and something else. Oh, and two beer styles. No one complained.
by dumbbunny
Mon Nov 27, 2017 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Trying to avoid ACA Subsidy failure!
Replies: 19
Views: 2571

Re: Trying to avoid ACA Subsidy failure!

I didn't follow all the numbers but one strategy that I might do to keep my taxable income down would be to get a home equity loan to pay for my living expenses instead of making traditional IRA withdrawals. Once I get under medicare and don't have to worry about the subsidy I can make IRA withdraw...
by dumbbunny
Sun Nov 26, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Trip to Hawaii - what do I need to know
Replies: 54
Views: 6813

Re: Trip to Hawaii - what do I need to know

Go to Kihei on Maui.
A lot of activities - check TripAdvisor.com
Go to Costco after landing and get your supplies and gas.
Coconut's Fish Cafe is a must.

Kona the Big Island. Laid back. Again, check TripAdvisor.com
Go to Costco after landing and get your supplies and gas.
Poke Shack is a must.
by dumbbunny
Sun Nov 26, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1966

Re: Charcoal grill

What is the best Kamado for my use? I'm thinking Akorn Junior ($100 at Lowe's) or Kamado Joe Jr ($500). I don't care about longevity as long as it works and survives 2 years including the winter with a cover. If money is no object, get the KJJ. You will get a better price for it when you sell it. G...
by dumbbunny
Sat Nov 25, 2017 3:24 pm
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1966

Re: Charcoal grill

I am having a love affair with my Kamado Joe, Jr. Had a Traeger but eventually the parts wear out.
by dumbbunny
Thu Nov 16, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Fair way to split expenses?
Replies: 105
Views: 6540

Re: Fair way to split expenses?

I can't imagine that there is any other way to do it than 50/50. You can have separate accounts, but in the end, isn't that (50/50) what marriage is supposed to be? JT You lack imagination.:) There are tons of people that are more comfortable with some split. It might seem crazy to you. Keeping fin...