Bogleheads.org

Arches. but i would leave the night before and stay in Green River ( cheap ) or Moab.

But... not sure the weather this time of year is good for a long trek for a single day in a park.

Capitol Reef=pie

Tim

am wrote: ↑Tue Feb 21, 2023 7:40 am Are you going to find anyone here who retired on 500k? The overwhelming chorus here would be that someone with 500k should keep working, has no chance, etc. Yet somehow most people retire on that or less?

I'll be 60 this year & it's exactly where i am... no mortgage ( or debt )... not retired though

thanks for the video link Brian, it'll check out his channel.

Tim

Link Wray-The Original 1958 Cadence Sessions-Full VinYl
https://youtube.com/watch?v=yYn-6Drsoec ... IECMiOmarE

Tim

for 529, the college will have a cost of living equivalent... this the maximum allowed regardless if you charge him rent or not.

Tim

i've been reading the background info on Urban Alchemy & their possible roll in pdx. If it works out & the mayor is serious about making outdoor camping illegal it will be a massive step forward for Portland. Campers not within a city specified camp will be arrested or given the opportunity for treatment. Lawsuits will follow if there is not adequate space for those seeking help so it may take some time to get everything up & running. a lot will depend on the governor providing funds. There is now a large budget for camp cleanup & services so that should transfer to the new program. I do think there is a segment of campers that will just move outside the city boundaries... good for us, not good for the neighboring cities. Th...

Our daughter stayed in our public school, but worked with a 'therapist' or 'educator' that specialized in dyslexia. They worked on developing skills to deal with what will be a life long condition. It was weekly and lasted about a year.

Tim

tax reduction may not be that large. i only get 25% tax credit of my deposit in my state up to a limit of $300 ( tax credit ).
The benefit is long term tax free growth, if you start early.

Tim

Zanmar wrote: ↑Tue Jan 24, 2023 5:06 pm

Zanmar wrote: ↑Tue Jan 24, 2023 4:57 pm

trinc wrote: ↑Tue Jan 24, 2023 11:53 am if isolated to your computer. search .net repair tool.

i might also suggest ccleaner to scan your registry, free version & select save registry changes, or backup registry before before using ccleaner & repairing .net

Tim

Thanks Tim. PC is much faster with a clean registry. Still have same problem. I did not use the net repair tool yet.

Tim. Is it the program System Mechanic on Iolo.com or is it the Microsoft Net Framework Tool?
The last MS update did have Net Framework mentioned.

Microsoft Tool.

Tim

mikejuss wrote: ↑Tue Jan 24, 2023 4:27 pm

Wolveraider wrote: ↑Tue Jan 24, 2023 3:59 pm No, we don't have any other funds saved (or any investments) for retirement.

So you have nothing saved for your retirement? If not, I highly recommend you save every penny of this inheritance. Planning to live on Social Security alone is very risky.

if nothing else saved, i would also suggest lowering the 30k for travel.

If you have not traveled, i would stick to the wonders of our national parks. you can go on shoulder months and get great value.

Tim

if isolated to your computer. search .net repair tool.

i might also suggest ccleaner to scan your registry, free version & select save registry changes, or backup registry before before using ccleaner & repairing .net

Tim

i would say the guilt is because she didn't 'work hard'. Lets be real... newborns are tough, but once kids get into middle school what are you really doing during the day ? Maybe my wife just had it easy because i always helped with chores. My wife just went back to work also, kids now in college... yes, a transition. Her paycheck is directed to paying the kids rent, i believe this helps as she sees exactly why she's working. Tim Part of the guilt is that I stayed at home for 20 years while my husband worked really hard. Oh, Boglecat - you were working really hard too! You were the SAHP - that is work! And you gave up something for it, your career! Unless you're saying that you spent all of your time by the pool, eating bon-bons (which does...

gerrym51 wrote: ↑Fri Mar 07, 2014 9:05 pm my favorite games are puzzle/adventure games.! MYST was the first one i played and i play many of that kid.

Loved Myst and all the Cyan games. It was nice they updated Myst and hoping Riven gets the same.

Waiting for Firmament...

Tim

I don't get all the talk about CPI Adjusted Annuity. If you are looking at ( for ) a stable monthly income level why not raise SS payments ?

imo the issue is not 'bogleheads', but people who don't save. SS has a number of advantages over annuities, tIRA, 401k etc... it's forced savings ( as long as you work ) and you can't pull the money out early or borrow against it.

as an Oregonian, i'll keep my mouth shut @ PERS.

Tim

The best Windows were 3.1, 95, and XP. You'll get a lot of security updates with the new one, but you'll also get a lot of stuff no one asked for or wanted, and Windows will continue to bloat up and inefficiently use the hardware. Not to mention the tracking, and the trying to get you to make a centralized account with them to use your own computer. I will upgrade when I no longer have a choice - it's not like most people really choose to use Windows anyway. They captured the market, so that they're the thing you need to run the programs that already exist. win 3.1 for workgroups 95 ? it was a big leap forward but P&P and signed drivers still a ways off - granted a lot of blame goes to 3rd party venders, but the battle for interrupts w...

The mistake is to assume that you want to maximize lifetime spending when what you should want to maximize is lifetime utility or satisfaction. Having the money to take a lifetime vacation at 65 might have a lot more value than an extra $10,000 when you are 90 and too infirm to enjoy a vacation. People talk a lot about delayed gratification as a virtue but when you are in your 60's "delayed" might mean "never." For some people winning the game by collecting the most amount of money over their lifetime is their primary satisfaction and that seems rather sad. This is going to be a part of my calculation of when to file. My early retirement years will be expensive ( travel ), but will greatly taper as I'm less able to full...

I didn't see in any responses the issues being in the northern part of the country, lower battery efficiency & greater drain with heater load.

Tim

With a 7m nest egg are you sure you want to be in a VHCOL area ? with only a $400k salary ?

Tim

Good luck. When I was living in Arizona, I went in to get a haircut from my barber and his one hand had a huge wrap on it (kind of like something you'd see on a cartoon). Apparently weeks ago he got bit by a brown recluse while doing gardening (I've always been told by natives to wear gloves while working in the yard due to all of the nasty critters) and he nearly lost the hand. They had to lance it multiple times and he said it was the most painful thing he had ever experienced (he was about 50). A pest control guy told me once that spiders are tough to get rid of since their bodies are further off the ground and away from the poisons that are used. Not sure if that is true. Agree. I was bit on the leg, it was awful ! It took FOREVER to h...

kada wrote: ↑Mon Oct 31, 2022 10:29 pm Also, there is not really any nature here. If outdoor activities are important I'd look into Colorado, New Mexico.

i know the thread was Seattle to Texas, but there are many places in between. If i had his money i'd move to Bend, OR an outdoor paradise !

Tim

With a PVR you are on a 'closed' system and most likely have an expansion tank. The pressure difference may stress or tear the diaphragm in the tank, worth checking while the PRV is being replaced ( it should be adjusted anyway to the new PVR psi setting ) .

Tim

wabbott wrote: ↑Tue Sep 27, 2022 3:26 pm Zion National Park. Absolutely stunning views from inside the canyon.

Zion is stunning, but one ( park ) that really needs to be hiked. I don't know if i'd deal with the hassle if i was just going to sit at the visitor center.
Arches, Bryce and Canyonlands you get to see a lot from the roadside.

Scouts lookout is a great viewpoint but is a workout, Canyon overlook, riverwalk & lower emerald pool if limited endurance.

I really enjoyed southern Utah !

Tim

I received an email from SS this morning telling me that a new SS statement was available. I logged into MySocialSecurity and was pleasantly surprised by the statement. It has a personalized bar graph of projected SS benefits from current age (65 years 8 months) out to age 70. My current PIA is $2993 so the bar graph appears to be correct: https://i.ibb.co/mJV5GLr/Personal-Benefit.jpg My statement also provides a good "Retirement Ready" fact sheet for those age 61-70 which discusses a number of often overlooked (by the general public, not so much by Bogleheads) items. Under "Benefits for Family Members" it has this text which hits on one of my hot buttons - benefit for the surviving spouse - as follows: If you are the h...

any way you can get a copy of the sellers ad ? through wayback ? or Fbook history ?

Tim

my wife ran an errand and left a small pot of boiling potatoes on the stove, set of all the alarm etc.... it was horrible, smoke filled the kitchen.

I was told about the method of boiling 50/50 water & vinegar. you need to really steam up the room, but the vapor got into all the cabinets and once dry... the odor was completely gone.

of course i have no idea how you would do a living or bedroom.

Tim

TMo is not the best for coverage but the price is right. CS for TMo has always done me right.
$100.00 tax included for 4 lines unlimited - Military ( Vet ) Discount.

If you are going to be outside major metro areas i'd look at At&t

Tim

P.S. As far as shielding your assets, there are many illegal ways, and maybe he was going to suggest some of those, but here are the legal ways (for everyone, I know some do not apply to you): 1. Pay off debt. If you have a $20k car loan and $20k in the bank, well, they take a portion of the money in the bank, but if both a $0, you pay less. 2. Pay extra towards your house, same idea as #1. 3. Max retirement accounts. I know most BHs do this anyway, but do it early, before filling out FAFSA. 4. Prepay anything and everything else that you can. I know it's nickels and dimes, but prepay items like insurance to reduce cash reserves. Basically, the idea is to have a little as possible in non-retirement accounts including CDs, savings, checking...

IMO, Having two kids in college... of average SAT The whole thing is a joke. If you have seniors, your too late ( kinda ) as your tax records for FAFSA is prior, prior. There is no 'hiding' assets, but there is 'spending assets' which won't matter as a big portion of EFC is salary. If you are like myself with an average student there is little to do other than pay or take loans. We do have savings and 529 plans and only borrowed the subsidized amount ( why not, 0% apr ). We did save by using our states university partnership program, where lower level classes can be taken at CC... thus able to use our states CC funding program ( covers tuition only ). Use the AOC or LLC tax benefit. Buckle Up - it's expensive. Lucky ( or planning ) for us w...

I can understand the point, a lot of activities = money... as I would look at ( early ) retirement as doing the things i couldn't do while working.

Right now, i could see a reluctance to spending.

Tim

Alaska is 'in' the US.

Tim

Big 5 last fall.

Zion really is a hiking park. there are a couple of flat(ish) trails, but a bit boring.

Bryce has a nice road with many scenic viewpoints. Hiking down gives you a really neat perspective, navajo loop would be my first choice.

What i really enjoyed is the changing of the red rock as the sun passes ( in the shade vs in the sun )

Depending on your direction, look into Kolob & Cedar Breaks.

Tim

my recent experience. My college daughter moved out of the 'dorm' and into an apartment ( sublet ) until the lease is up and will then sign a new lease. As a college student her income is minimal and has no rental history. I, parent, can only co-sign to wave the rental history... where they asked only that i prove i have 6x income of total rent ( 2 br apt ). The forms have no place to say she is a college student, has a well funded college saving account, parents that will pay her rent etc... I found it odd that everything is based solely on monthly income. She was obviously declined and we had to jump through a lot of hoops to get her approved. I was shocked that they couldn't just look at my credit rating ( in 800's with zero debt ) and ...

my recent experience. My college daughter moved out of the 'dorm' and into an apartment ( sublet ) until the lease is up and will then sign a new lease. As a college student her income is minimal and has no rental history. I, parent, can only co-sign to wave the rental history... where they asked only that i prove i have 6x income of total rent ( 2 br apt ). The forms have no place to say she is a college student, has a well funded college saving account, parents that will pay her rent etc... I found it odd that everything is based solely on monthly income. She was obviously declined and we had to jump through a lot of hoops to get her approved. I was shocked that they couldn't just look at my credit rating ( in 800's with zero debt ) and a...

in the PNW we camped & hiked a lot. Traveled to Alaska, Hawaii & Mexico often, but i think our driving trips were the best bonding times.

our biggest trip:


Tim

Might depend on where you live and what your kids enjoy doing. In the PNW you should be outdoors ! but it does require a vehicle.

We enjoyed the freedom of not having to run the kids around... Son surfs ( hour to the west ), snowboards ( hour to the east )... daughter loves kayaking and hiking.

Daughter : hand me down 2005 Honda CR-V ( near 200k miles )
Son : 2003 Honda Element ( also near 200k miles )

We also have a Rav4 Limited, a very nice car.

We have been blessed with two good drivers, probably 7 years driving between them without a wreck or ticket.

Tim

I do not group ride. Riding another persons pace i find is inefficient to becoming a better rider.

When started i wasn't strong enough to stay with a group so i rode solo the first year. As i progressed, i found or developed my cadence and really don't like to deviate from that, a faster pace is destructive and a slower pace just seems to zap my energy. I enjoy just zoning out and spinning and not having to worry about another rider. I do ride with my wife often, but that is just leisure ( for me ).

No bike envy:
2009 Specialized Allez triple - Converted to 105 compact double (50-28)
Fulcrum racing wheels - ceramic bearings.

Tim

they cut your salary and you still feel you are paid ~ 20% over market value.

The issue is what ?

How about just feeling grateful.


Tim

willthrill81 wrote: ↑Mon May 02, 2022 10:08 am

trinc wrote: ↑Mon May 02, 2022 9:58 am

manatee2005 wrote: ↑Sat Apr 30, 2022 1:41 pm

livesoft wrote: ↑Thu Apr 28, 2022 10:57 am Biloxi, Mississippi is pretty warm and has decent health care.

Do you live there?

i was there 4 yrs in the early 80's, USAF. an interesting place, and a goto place i state to my wife when talking about moving for retirement... joking of course.

tim

A lot of people in recent years and 'discovered' that the MS, AL, and FL panhandle sections of the Gulf Coast can be really nice and are remarkably affordable.

True, but the barrier islands make MS a lot different than the panhandle. I guess that's why it's affordable ?

tim

manatee2005 wrote: ↑Sat Apr 30, 2022 1:41 pm

livesoft wrote: ↑Thu Apr 28, 2022 10:57 am Biloxi, Mississippi is pretty warm and has decent health care.

Do you live there?

i was there 4 yrs in the early 80's, USAF. an interesting place, and a goto place i state to my wife when talking about moving for retirement... joking of course.

tim

vasaver wrote: ↑Mon May 02, 2022 8:38 am Can you go in the off season? Spring and fall when the kids are in school and not during spring break? What about weekdays vs weekends?

Yes ! travel offseason if you can... and if the attractions support 'offseason'

one of the evenings spent by ourselves.




tim

i only use my cell phone just so all the pictures get backed up to the cloud.

if i lost my phone ( has never happened ), i still have the photos.

tim

My other comment will go a bit against the tide here. While a bigger SSD never hurts, between my cloud storage for online backup/archive and external archival hdd, my need for local ssd is met by a 256gb. If my need grows, I can add a larger ssd and use the 256 as a boot. Are we sure how easy/possible it is to add another ssd to this all-in-one? I don't know but am guessing an all-in-one might be more like a laptop with very limited and possibly difficult internal expansion. My 256gb ssd laptop is at 80% with just what I'd consider normal use for files that wouldn't work as well on the cloud. Obviously things like recovery partitions and diagnostics take up a larger percentage of these smaller drives. I'd do at least 512gb for a new ssd to...

my first computer build was a Heathkit ( that will date me ) Just completed an update on my gaming rig ( minus the GPU, kept my 1070 8g gaming - on a 1080p 144 so it works ). 5800x on an Asus B550 ROG strix mobo, 32G 3600 DDR4 16, WD black SN850 1T pci4, WD black SN770 1T ( secondary mounted pci3 ), 850W gold. Very nice upgrade, with a new case ~ $1k Most people don't want to learn about shared lanes, latency or even the differences of m.2, cores & threads etc... The main players in computer ( Dell, HP etc ) all have around the same price points and will make their profit. If you do want to learn a little you may buy the best machine per $ but i usually just suggest: spend as much as you feel you can, because the more you spend the bett...

2b2 wrote: ↑Mon Apr 04, 2022 5:21 pm Tim,

Thank you for those photographs.
Really incredible!

2b2

the hard part is picking just a few images , out of over a 1000 i shot ( Big 5 + ).

Tim

We had about the same time frame. Got into Moab late afternoon, spent the remaining daylight on Potash road. Dinner in town. Arches the next morning. We did landscape arch first ( better in morning light, but the sun hadn't broken through yet ) then Delicate. We basically did the park backwards. I could see doing Delicate first as parking gets full and the secondary lot is a LONG walk. We got VERY lucky only circled the lot once :happy . That evening Deadhorse ( State park but the entry was good for 2 day iirc ), no real hiking just the overlook. Island in the sky the next day. Just posted these pics on the other Moab thread: https://www.iescorp.com/vimage/arch1.jpg https://www.iescorp.com/vimage/arch2.jpg https://www.iescorp.com/vimage/arc...

Starfish wrote: ↑Mon Apr 04, 2022 12:57 am Hexclad.
Just made one: parmesan (real stuff), parsley, green onion, sautéed mushrooms, a bit soft in the middle after folding. Use butter, not oil.
Bacon was separate.

I like cast iron for a lot of stuff but it's not optimal for omelets, hard to keep at an angle at the end (too heavy), it holds too much heat and it's easy to overcook the eggs.

once the eggs start to firm ( stirring ) flatten with a spatula and add filling, go straight to the salamander or broiler to heat, fold to plate. waiting for the center to warm in the pan will brown the eggs.

Tim - ( former chef )

It is hard to comprehend the enormity through pictures, the Utah 5 is truly stunning. Arches Sept 2021










Tim

D Newton wrote: ↑Mon Mar 28, 2022 10:20 am Not to derail the thread, but would anyone recommend doing the MOAB area in early September rather than in April? We're retired and planning a similar trip out west in the next year or two.

We did the southern Utah trip after dropping our daughter off at college last September. The weather was fantastic, but i would say eastern ( Moab ) seemed a lot hotter than the west side of Utah.



Tim

selling the rental avoids moving. ?

Tim

I am underpaid for my position, but i walk to work. Salary is only one factor in life.

Tim

it is M grade pipe. somebody went cheap, should upgrade to L.
Tim