Search found 141 matches

by akblizzard
Wed Aug 15, 2018 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 22
Views: 1430

Re: Newly Married and Hoping to Start on the Right Foot

Get YNAB.com. My offspring are about your age and married. I talked them into it and the’ve thanked me many times for the peace this brings to their marriage. If I had YNAB when I was your age I would be writing this from my private yacht in the Caribbean.
Best of luck
by akblizzard
Tue Aug 07, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Old dog needs to learn to manage his investments
Replies: 60
Views: 5109

Re: Old dog needs to learn to manage his investments

Here's my question, how to get started self educating myself so I understanding my investments and what do I need to do to feel like I can monitor and direct them myself in the future? Keep in mind that I'm good at my job but definitely not a genius when it comes to finance. I need to keep it fairl...
by akblizzard
Tue Jul 31, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: Are millennials botching their asset allocations?
Replies: 56
Views: 5307

Re: Are millennial botching their asset allocations?

As a 27 year old who frequents this website, I am not botching my asset allocations. However, I do find concerning the number of my friends/coworkers who have either little to no ability to save, no concern about their retirement, or just trusting their financial advisor blindly. Is it really surpr...
by akblizzard
Sun Jul 15, 2018 5:12 pm
Forum: Personal Consumer Issues
Topic: Bears!!!
Replies: 60
Views: 5240

Re: Bears!!!

We have black and grizzly bears around. At least weekly trips to the transfer station is about all I do. So not going to offer much help other than to suggest buying a $100 trail camera so you can at least have some fun capturing photos of the critters as they try to outsmart your trash can. I enjoy...
by akblizzard
Thu Jul 12, 2018 3:12 am
Forum: Investing - Theory, News & General
Topic: The value of international stocks, in pictures
Replies: 62
Views: 7751

Re: The value of international stocks, in pictures

Is there some diversification benefit to international stocks? Oh, probably, but I find it hard to muster much conviction about it. Thank you for these and past posts on this topic. I know they take time and effort, and I appreciate that. Everyone needs to decide what’s best for them and make a pla...
by akblizzard
Sun Jun 17, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 14967

Re: How much (green) cash at home for emergency ?

I've been through floods and hurricanes. I have not been through wild fires, earthquakes, volcanoes, large electrical grid outages, etc. I find it interesting that although I’ve never been through a flood or hurricane, in the last 30 yrs I have been through wildfires, earthquakes, volcanoes, and mu...
by akblizzard
Fri Jun 15, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: 47 and clueless - direction needed
Replies: 60
Views: 8318

Re: 47 and clueless - direction needed

Welcome. Check out the suggested reading link on our forum. Educate yourself, if I can so can you.
by akblizzard
Thu May 31, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Profile: The Road to 1Million USD
Replies: 42
Views: 8598

Re: Profile: The Road to 1Million USD

kaeltor wrote:
Thu May 31, 2018 10:33 am

What can I do better?
You’re about the same age as my kids, I’ll tell you the same thing I tell them.
1. Buy “The Bogleheads Guide to Investing”
2. Use YNAB.com
3. Nothin’ fancy, invest money each & every month over your career.
by akblizzard
Thu May 31, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 4226

Re: Do you have a monthly household budget?

This may be a naive/stupid question. For people who do budget, what do you do exactly? Do you plan to spend x dollars on grocery, y dollars on eating out etc at the beginning of each month? What if you go over? Stop buying grocery for a week, or just tell yourself that you actually needed a bigger ...
by akblizzard
Tue May 01, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Online banking with free Avast program?
Replies: 2
Views: 292

Online banking with free Avast program?

Hello wise friends. I bought a new laptop with Windows 10 today and downloaded a free version of Avast virus protection. I thought I was good to go until Avast gave me a message asking if I wished to upgrade (for cost) to their version that would protect during online banking. Does this mean the fre...
by akblizzard
Mon Jan 22, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 101
Views: 6171

Re: Going to one income-seeking testimonials

I find it hard to see how people have money to do anything after tithing, investing and kids. I joke with people about hiring a private investigator to follow me around and tell me what I’m doing wrong! Just venting, thank you everyone. What you need is a budget (cheaper than a P.I.), I recommend a...
by akblizzard
Mon Jan 22, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: Swing Shift vs 8-5
Replies: 36
Views: 3101

Re: Swing Shift vs 8-5

I worked what sounds like a similar schedule for 10 years. I can only speak from my experience. Soon after I got off the rotating 12 hr shifts, out of the blue my oldest kid (who was 6) said “I think you must really like your new job”. I answered that yes, I did. After a moment I thought to ask “Why...
by akblizzard
Sat Jan 20, 2018 2:19 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 23894

Re: Anyone disenchanted with retirement?

I’m in the “every night is Friday night and every day is “Saturday” mindset. Retired 8 months now. The other side of the same coin is that there is no weekend to look forward to! If you are glass half empty kind of person, you would be lamenting losing all the "vacation" and "weekends". Good grief....
by akblizzard
Wed Jan 17, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 188
Views: 23894

Re: Anyone disenchanted with retirement?

I’m in the “every night is Friday night and every day is “Saturday” mindset. Retired 8 months now.

It’s interesting to note a neighbor down the road retired about the same time and he told me recently he’s bored out of his skull.
by akblizzard
Mon Jan 15, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 21414

Re: Are you finding any good values at Amazon anymore?

I’ve about had it with Amazon. My latest frustration involves a typical order placed Jan 6. Amazon shows today the order has not even been shipped yet (Jan 15 today) and an estimated delivery date of Jan 26. This is not unusual of late. Is this with a third party seller? I try to stay away from tho...
by akblizzard
Mon Jan 15, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 21414

Re: Are you finding any good values at Amazon anymore?

I’ve about had it with Amazon. My latest frustration involves a typical order placed Jan 6. Amazon shows today the order has not even been shipped yet (Jan 15 today) and an estimated delivery date of Jan 26. This is not unusual of late.
by akblizzard
Wed Dec 06, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: working in the oil fields as a mechanic.
Replies: 21
Views: 2450

Re: working in the oil fields as a mechanic.

Although not a mechanic, I worked over 30yrs both offshore and onshore. Sure it’s wasn’t all roses and rainbows but I wouldn’t have done it any other way. If you’re up for an adventure go for it.
by akblizzard
Wed Nov 08, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 11699

Re: Disposable income... how?

There are more knowledgeable folks than me that can comment on your portfolio. But I'll toss this at you for your consideration...I was able to take our investing to the next level a few years ago (and retire this yr, thank you very much) after wife and I got on board (together) with a budget. We di...
by akblizzard
Wed Nov 08, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: Coffee
Replies: 51
Views: 4731

Re: Coffee

As a recently retired gentleman of leisure, I've come to appreciate the independently owned shops close to me. One even makes their own bagels. It's a good spot to meet with other retired friends of a morning. OP reminds me of a two-day trip out of town last year, when I visited two coffee places ne...
by akblizzard
Mon Nov 06, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Climate controlled cars - Useful or Useless?
Replies: 49
Views: 2721

Re: Climate controlled cars - Useful or Useless?

Am I being old fashioned? Are these features just another example of tech for the sake of tech? Yes and yes. Both our vehicles have climate control tech, I hate it. I find the cabin temperature is never "perfect" like I could get it with manual controls. The colder it gets outside the more I hate i...
by akblizzard
Mon Nov 06, 2017 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 11699

Re: Disposable income... how?

Some filler information. I am military and so are all my friends. There is currently (minuses the BRS scam) no matching for retirement. I guess they are truthfully broke or receiving economic outpatient care from their parents. The 33% I am putting away in not enough! Id save more but my wife needs...
by akblizzard
Mon Nov 06, 2017 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 315
Views: 53533

Re: Roll Call for the Retirement Class of 2017!

I'm calling it! April 28th will be my last day at work. :beer Haven't heard how it went . . . still stuck in that Alaska blizzard with your beer? Thanks for asking! It went great. I had lots of things planned for the first few months, and didn't get around to most of them. But that's OK! I goofed o...
by akblizzard
Sat Nov 04, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: How many funds do I need?
Replies: 21
Views: 2065

Re: How many funds do I need?

Based on the little info you've provided, it appears to me your EJ advisor isn't doing you any favors. So why contact him to ask about anything? Perhaps take no action until you can read "The Bogleheads Guide to Investing" and learn for yourself why Mel, Taylor, and other fine posters above said wha...
by akblizzard
Tue Oct 31, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 18871

Re: What was the main reason you retired?

Because I wanted to. Retirement was always my career objective. Yes! This exactly. The career that chose me at a young age was great. It was also dangerous, difficult, and done in all kinds of weather. So even thought I don't have a portfolio as large as some, I am happy to be retired for the last ...
by akblizzard
Mon Oct 16, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: contributing to friend's non-profit?
Replies: 36
Views: 2667

Re: contributing to friend's non-profit?

If it was me, I'd break out my 10-foot pole. You know, so I couldn't touch this with same.
by akblizzard
Mon Oct 16, 2017 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 6993

Re: You career roots and your path to financial independence. "Actionable: steps and tips for others?

I work for a big oil company and our mechanics, electricians, and other hourly skilled-labor folks who graduate with 2 years degrees come out of school making 6 figures + pensions + generous 401k plans.These kids are 20-22 right out of school making good money and typically make more than our entry...
by akblizzard
Sun Oct 15, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 36
Views: 2711

Re: Storing Lawn Tractor over the Winter

-Fuel stabilizer is the easiest option. I would recommend running it a bit after adding the stabilizer so that the carburetor has stabilized fuel in it. If the tractor has a fuel valve, you can turn it off, stabilize the fuel in the tank, and run the fuel out of the carburetor. It will be good to g...
by akblizzard
Sat Sep 02, 2017 10:03 am
Forum: Personal Consumer Issues
Topic: Podcast [Looking for suggestions]
Replies: 29
Views: 3125

Re: Podcast

I'm stuck in a Podcast rut, listening to the same people over and over. I'm looking for suggestions. Thank you! If you're at all interested in intelligence/military/espionage/Cold War history, try Spycast. It's done by the National Soy Museum. I enjoy most of what I listen to there. There's a Natio...
by akblizzard
Thu Aug 24, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Rejected By Two Banks For an On-Line Savings Account….why?
Replies: 24
Views: 4412

Re: Rejected By Two Banks For an On-Line Savings Account….why?

Ally called me today saying that their "back room" could not verify my ss# to open an account. They want a copy of my drivers license and a copy of my ss#. Synchrony never asked me to send anything two months ago. Weird Really? Keep in mind I'm grumpy and suspicious but I wouldn't do that without a...
by akblizzard
Mon Aug 21, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Understand CDs at Vanguard
Replies: 6
Views: 1700

Re: Help Me Understand CDs at Vanguard

I recently learned of the short videos Vanguard has on their site about this. I learned a bit when I watched them. Have you seen them?
by akblizzard
Fri Jul 14, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Paid off the Mortgage!
Replies: 73
Views: 6959

Re: Paid off the Mortgage!

Congratulations! A couple of things to put on your "to do list" that I figured out when I paid mine off. 1) Call your home insurance company to have the mortgage company taken off the insurance policy. You now have the option of raising your deductible but there are all sorts of pros and cons to th...
by akblizzard
Thu Jul 13, 2017 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 for house sale-mine but parent lived there for free
Replies: 1
Views: 267

1099 for house sale-mine but parent lived there for free

In 1994 my parent created a warranty deed signing parent's house to me "for the consideration of $100 dollars and and other good and valuable consideration, in hand paid." In the margin of the warrant deed document is handwritten "consideration $70,000". That's about what the house was worth at the ...
by akblizzard
Tue Mar 21, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: What's your strategy for withdrawing funds in Retirement ?
Replies: 57
Views: 8539

Re: What's your strategy for withdrawing funds in Retirement ?

David Jay wrote:Books: Boglehead's Guide to Retirement, Jane Bryant Quinn "Making Your Money Last"
Yes to these. :beer
by akblizzard
Thu Mar 16, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Redneck/All American Bank
Replies: 17
Views: 3316

Re: Redneck/All American Bank

Guardyourheart wrote:I keep looking at this bank trying to see the downside... other than the name.
Hey! Don't get me riled up.
by akblizzard
Sat Mar 04, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth for non-employed spouse
Replies: 16
Views: 1611

Re: Roth for non-employed spouse

OP here, yes thanks for the answers. I agree published documents seem to make this more difficult than it really is. Thanks everyone.
by akblizzard
Fri Mar 03, 2017 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Roth for non-employed spouse
Replies: 16
Views: 1611

Roth for non-employed spouse

Having trouble understanding this so I can help someone who asked me these questions. 1. Suppose a married couple were both working and both had a Roth IRA. Spouse 1 decided to become a stay at home spouse while the other kept working. Does spouse 1 just continue to contribute to their Roth IRA as t...
by akblizzard
Thu Mar 02, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Question for Retired Members--life mistakes
Replies: 64
Views: 10550

Re: Question for Retired Members--life mistakes

1) Off the top of your head, what was the biggest mistake(s) you make with regard to your retirement when you were young, and when you were in your 50's. 2) The same question, only in reverse; What was the smartest thing you did when you were younger and in your 50's that is really paying off. My r...
by akblizzard
Fri Feb 24, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Ally 1.25 APY 13 month CD
Replies: 3
Views: 1293

Ally 1.25 APY 13 month CD

It looks like this is new as of today...Ally has a 13 month CD available at 1.25 APY. I didn't see this already here, sorry if it's already been posted.
by akblizzard
Sat Feb 18, 2017 12:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 315
Views: 53533

Re: Roll Call for the Retirement Class of 2017!

I'm calling it! April 28th will be my last day at work. :beer
by akblizzard
Fri Feb 17, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 63
Views: 9618

Re: Tell me about Alaska

[ The short(?) cruise trip from Seward on to the Kenai Fjord area sure sounds good. Correct me if I am wrong, but an overcast/rainy day should not take away too much of the fun out of it, right? In the sense that you would still get to see whatever (glacier/fjords?) you are there to see, but it wil...
by akblizzard
Fri Feb 17, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 63
Views: 9618

Re: Tell me about Alaska

Questions: - most of my friends who've visited appear to have rented RVs. Why RV and not a car? Are there any stretches of road that are so bad that cars would have a much tougher time than RVs? - if we have the choice to decide, early July or later July? We are pretty much hemmed in to July as a r...
by akblizzard
Mon Feb 13, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Standing on the shoulders of giants - thanks
Replies: 5
Views: 864

Re: Standing on the shoulders of giants - thanks

Hello Bogleheads, I simply want to thank the community for the the compendium of knowledge and advice. I've been thinking about this lately too. I've come to realize it's good for a person to be around smart people as they discuss things of value. I've learned quite a bit here over the years about ...
by akblizzard
Tue Jan 31, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 4498

Re: Are you changing your AA based on current events?

Changing AA based on current events? The only current event on my mind is after reading a Scotch-related thread here a few minutes ago I realize I'm out and need to buy some on my way home. So, no. I see no reason to change AA based on that.
by akblizzard
Sat Jan 28, 2017 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: SWR Logic Part II
Replies: 2
Views: 520

SWR Logic Part II

An earlier SWR question made me wonder...when one decides on a %, does one take dividends first, then take what's needed to reach desired withdrawal rate, or does one reinvest dividends and sell the % needed (while keeping desired AA)?
by akblizzard
Wed Jan 25, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Completely new/oblivious to most of this... need advice
Replies: 16
Views: 1685

Re: Completely new/oblivious to most of this... need advice

Agree with reading the Bogleheads book. And consider this budget tool. Google YNAB (You Need A Budget)...with the info you provided, it appears you would greatly benefit.
by akblizzard
Wed Jan 25, 2017 11:49 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 13596

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday! Thanks for the wisdom & encouragement.
:beer
by akblizzard
Mon Jan 23, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Ever have one of those kind of Mondays...?
Replies: 20
Views: 2513

Re: Ever have one of those kind of Mondays...?

Sorry to hear about your problems! Good to hear your ready for these kinds of things with some savings. It may be good to think about these things as positively as possible... Alternator went out in one car this morning . Hey, you have a car! Many folks wish they could afford one. Windshield cracked...
by akblizzard
Mon Jan 23, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Products to cope with other drivers' LED headlight
Replies: 66
Views: 10478

Re: Products to cope with other drivers' LED headlight

The headlights that bother me and folks I know are apparently replacements for original equipment headlights. I drive a 1-ton truck (higher up than most vehicles on the road), tinted windows, auto-adjust mirrors, all the stuff and suggestions mentioned above, and get annual eye exams. I'm amazed at ...