Search found 421 matches

by Shackleton
Fri May 22, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19228

Re: What is your most luxury/expensive hobby.

After reading this thread I realize I live in a completely different world than most posters on this thread. Someone posted they paid over $15k each for a 2 bicycles, and some posted paying thousands of dollars for a horse. I bought a bicycle for $25 at a flea market recently. Now granted I don't r...
by Shackleton
Mon May 18, 2020 8:56 am
Forum: Personal Consumer Issues
Topic: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?
Replies: 43
Views: 1509

Re: Help: Any Problems or Pitfalls or Advice When it Comes to Getting Hearing Aids? What? What?

No advice on hearing aids. My DH thought I was losing my hearing (I told him he talks too softly) so I went to an audiologist and was tested and was told my hearing is fine. For the time being until you get a test/hearing aids, try turning on the closed captioning. It’s what we do for some British s...
by Shackleton
Fri May 15, 2020 6:37 pm
Forum: Personal Consumer Issues
Topic: WFW (Work from Wherever)
Replies: 70
Views: 6301

Re: WFW (Work from Wherever)

I’m lucky because I live in the mountains of CO in a resort area. I already work remotely 100% of the time, so for me WFH = Work From Hammock (now that it’s over 60 degrees most days!) I hope you find a good place to work from!
by Shackleton
Mon May 04, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2257

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

I never knew there was such a thing as a locking mailbox outside of a large apartment complex or those clusters you sometimes see. Heck, about 50% of the mailboxes in our neighborhood don't even have doors on them. Another example of life being different out here in rural America. If I wasn't getti...
by Shackleton
Sun May 03, 2020 10:14 am
Forum: Personal Investments
Topic: 87 year old portfolio analysis
Replies: 9
Views: 1029

Re: 87 year old portfolio analysis

What does this mean
Will pay tax when he gets to using the traditional IRA
At 87, he should be taking RMDs and paying tax on those. If that hasn’t been done, there can be significant penalties but I believe you can get those penalties reduced depending on the circumstances.
by Shackleton
Sun Apr 26, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff house and quit good-paying job?
Replies: 112
Views: 8073

Re: Payoff house and quit good-paying job?

JoeRetire wrote:
Sun Apr 26, 2020 6:42 pm
MathIsMyWayr wrote:
Sun Apr 26, 2020 6:40 pm
Yes, short on sight, but long on wish.
Wishes are nice.
“If wishes were horses we’d all be eating steak” ~Jayne Cobb, Firefly
Or the original “If wishes were horses, beggars would ride.”
by Shackleton
Thu Apr 23, 2020 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Something different...do I need life or disability insurance?
Replies: 30
Views: 1224

Re: Something different...do I need life or disability insurance?

Thx so much for the replies. I've been hearing a lot of conflicting information on which type of life insurance is appropriate for someone like me. term vs whole? WCI strongly advocates term while some of my attendings advocate whole life. What's the consensus? Term as suggested. And I’d further su...
by Shackleton
Wed Apr 22, 2020 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Expert Consultant: $110 / hr??
Replies: 70
Views: 6433

Re: Expert Consultant: $110 / hr??

If you get to bill for your prep time in addition to the 1 hour spent actively engaging with them, that might make it worthwhile
by Shackleton
Wed Apr 22, 2020 9:29 am
Forum: Personal Consumer Issues
Topic: I Got Scammed To Send Amazon Gift Cards
Replies: 119
Views: 9344

Re: I Got Scammed To Send Amazon Gift Cards

atikovi wrote:
Wed Apr 22, 2020 8:13 am
When will folks realize that gifts are for people too lazy to shop for gifts, and not a form of currency.
When will people actually read the thread before they reply with something completely irrelevant?
by Shackleton
Sat Apr 18, 2020 1:19 pm
Forum: Personal Investments
Topic: High 401K Advisor Fees - Any Recourse ?
Replies: 49
Views: 2111

Re: High 401K Advisor Fees - Any Recourse ?

confusedinvestor wrote:
Sat Apr 18, 2020 1:15 pm
I''m still beating me up on this non do diligence.
As long as this is a learning experience, it's "due diligence" as in "you must give it its due."
by Shackleton
Wed Apr 15, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned
Replies: 102
Views: 7483

Re: Has your PPP loan been processed yet? Ours hasn’t been, and I'm getting concerned

I signed up on a "interested in PPP" form with Wells Fargo on April 4th. It took them a week to send me an email saying I am in their queue. About 4 days later they sent me a list of documents they will require and said to get them ready. Nothing since then. I figure that I am out of luck on gettin...
by Shackleton
Sat Apr 11, 2020 10:01 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

I haven't read all the comments, but man oh man are people exaggerating how long this will last. Saying things like, "not when but if" and "things will never go back to normal." Looks like you expect some magic sign from officials (I guess the same ones who were telling us that it’s just a flu) tha...
by Shackleton
Sat Apr 11, 2020 8:54 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

I haven't read all the comments, but man oh man are people exaggerating how long this will last. Saying things like, "not when but if" and "things will never go back to normal." Looks like you expect some magic sign from officials (I guess the same ones who were telling us that it’s just a flu) tha...
by Shackleton
Sat Apr 11, 2020 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 12925

Re: Executive pay cut request: How to respond?

Is this a fictitious post? A $1 million a year executive asking for advise on the internet? If judgement and decision-making is not your strength, why are they paying you so much money? In megacorps that salary is approaching C-suite. This is almost exactly what I was going to say. It only is a hig...
by Shackleton
Sun Apr 05, 2020 1:42 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

I'm going back to the nursing home to be with DW. I've been locked out since March 13th, and it doesn't look like the lockdown is going to end soon. Prayers for you. That hits home as how bad this has been on families in your position. I wish you both good health. +1, strange times .... Are you abl...
by Shackleton
Wed Apr 01, 2020 10:27 pm
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9622

Re: Does anyone else just not care/worry?

Not worried about the my job (even though I started a new contract position at the beginning of March), or my health (including my family) or my investments ( even though I plan to retire in a couple years.)
by Shackleton
Wed Apr 01, 2020 8:03 am
Forum: Personal Consumer Issues
Topic: Wine Club Recommendations?
Replies: 15
Views: 1178

Re: Wine Club Recommendations?

I’m also a member of NakedWines.com and highly recommend them.
by Shackleton
Mon Mar 30, 2020 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question(s)
Replies: 8
Views: 667

Re: Social Security Question(s)

And to address one point I think hasn’t been addressed, social security is earned by each person but being married has some potential for a spouse to collect based on the other spouses earnings. This is especially helpful for couples where one spouse earned significantly more than the other. Since m...
by Shackleton
Sat Mar 28, 2020 5:32 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 16021

Re: Bird watchers – what birds are you seeing?

In order of total numbers: Steller's Jays, black capped chickadees, mountain chickadees, dark eyed juncos, hairy woodpeckers, white breasted nuthatches, pygmy nuthatches, pine grosbeaks, red breasted nuthatches, red crossbills, downy woodpeckers, magpies (so glad we don't have a lot of magpies at ou...
by Shackleton
Sat Mar 28, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

Re: What will you do first, once COVID pandemic is over?

First thing will be a cut and color at my hairstylist. No way am I being seen without a hat until then. :) After that, visit my mom who is in a memory care facility. Even though she can't remember things from one minute to the next, she somehow knows when I haven't visited in a while. Odd since, eve...
by Shackleton
Sat Mar 28, 2020 9:17 am
Forum: Personal Finance (Not Investing)
Topic: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?
Replies: 92
Views: 6835

Re: If you have a secure, well-paying job and cash-heavy, would a recession be a good thing?

yes, for buying investments such and stock index funds. As for everyday goods, my limited understanding is that injections of money by the government can lead to inflation so the cost of goods for everyday living may actually increase a bit.
by Shackleton
Thu Mar 26, 2020 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Local tax question
Replies: 4
Views: 304

Re: Local tax question

This is one of many reasons I am glad I live in a state that doesn’t have local (city) taxes!!! Once, when I got a promotion at my megacorp located in a state/city with local taxes, they changed my work location to be the home office because I was the first person at my job title/level to ever be lo...
by Shackleton
Thu Mar 26, 2020 7:14 pm
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21010

Re: Are you still going to the grocery store or using a delivery service? Which?

I live in a very small town (<2000 people in town, <4000 people in the general area) and the store can barely find enough employees to man the checkout, so there is no delivery option. DH has continued his 3X/week shopping trips.
by Shackleton
Thu Mar 26, 2020 7:10 pm
Forum: Investing - Theory, News & General
Topic: Do any of you not rebalance?
Replies: 57
Views: 3039

Re: Do any of you not rebalance?

I’ve never rebalanced. I have adjusted my contributions slightly from 90/10 to 80/20 over the years. Since I’m now in my 50’s that seemed like a good idea. What can I say, as I get older I am not such a risk taker! :D <sarcasm for those that don’t get it. I know 80/20 is still plenty risky for most ...
by Shackleton
Sun Mar 22, 2020 4:29 pm
Forum: Personal Investments
Topic: Live Like Normal? (Job/City Change?)
Replies: 16
Views: 911

Re: Live Like Normal? (Job/City Change?)

Lots of talk about concern or regret about going to non-profits — why? I’m in the public sector now, which is very secure but has its own challenges as well. We had a joke: people work in non-profit because they have no idea how to make a profit. In my experience, 3 separate organization over 9yrs,...
by Shackleton
Sun Mar 22, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for health care in retirement
Replies: 9
Views: 484

Re: Budgeting for health care in retirement

This is very state and age dependent, but the numbers for your wife look very low unless you are counting on subsidies. I make over the limit for subsidies, and my health insurance is $890/mo for a $5500 deductible plan. What I have budgeted for my wife is not far from where you are. I am at 9K and...
by Shackleton
Sun Mar 22, 2020 9:21 am
Forum: Personal Investments
Topic: Live Like Normal? (Job/City Change?)
Replies: 16
Views: 911

Re: Live Like Normal? (Job/City Change?)

I’d go for it (but I’m a risk taker.) Definitely rent for 6 months or so first, but that advice applies even without the current virus worries. You never know until you try. I recently moved from my stable corporate job to working for a non-profit, a major change in pay (60% reduction in pay) and jo...
by Shackleton
Sun Mar 22, 2020 9:08 am
Forum: Personal Finance (Not Investing)
Topic: How my grandfather managed during the Depression
Replies: 2
Views: 1098

Re: How my grandfather managed during the Depression

Your grandfather sounds like he was a great person and business owner!
by Shackleton
Sun Mar 22, 2020 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for health care in retirement
Replies: 9
Views: 484

Re: Budgeting for health care in retirement

This is very state and age dependent, but the numbers for your wife look very low unless you are counting on subsidies. I make over the limit for subsidies, and my health insurance is $890/mo for a $5500 deductible plan.
by Shackleton
Fri Mar 20, 2020 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: What is best ownership structure for new business?
Replies: 4
Views: 231

Re: What is best ownership structure for new business?

I just recently started a consulting business for a specific engagement (1 client will be 100% of my billing) and after reading a lot decided to go with a sole proprietorship. Easy-peasy to set up and administer. I’ve had LLCs in the past, and I prefer the SP due to fewer administrative tasks.
by Shackleton
Tue Mar 17, 2020 7:16 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 190810

Re: Optimism amongst the panic and worry

My good news - I put out my bird feeders yesterday (we moved over the summer and never got around to putting them up), and today I had multiple chickadees (black capped and mountain), white breasted nuthatches, stellar’s jays, and downy woodpeckers! They were very thankful for the free food delivery!
by Shackleton
Tue Mar 17, 2020 6:43 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50737

Re: How Is Your Job Being Impacted By The Current Crisis?

I am a remote IT worker (contractor) for a Fortune 100 company. The company is now having the majority of workers work from home if their job can be done remotely, so my Skype meetings are getting much better!
by Shackleton
Sun Mar 15, 2020 10:39 pm
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5443

Re: What entertainment during Covid-19 times?

It’s still ski season here, and since we mainly do cross country skiing, they can’t/don’t close down due to viruses! So far, the local downhill ski resort is still open, so I plan to get a few runs in there too, but until we get another decent dump of snow, the conditions aren’t really that great (...
by Shackleton
Sun Mar 15, 2020 9:08 am
Forum: Personal Consumer Issues
Topic: Get a 2nd Refrigerator for Home, and put in garage - Good idea?
Replies: 88
Views: 4943

Re: Get a 2nd Refrigerator for Home, and put in garage - Good idea?

We have an upright freezer in our garage, but only because we live 85 miles from Costco in a very expensive resort area in the mountains. We purchase 3 months worth of meat at a time, portion it into foodsaver bags, and keep it in the freezer. We only keep a small amount in our regular fridge/freeze...
by Shackleton
Sat Mar 14, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5443

Re: What entertainment during Covid-19 times?

It’s still ski season here, and since we mainly do cross country skiing, they can’t/don’t close down due to viruses! So far, the local downhill ski resort is still open, so I plan to get a few runs in there too, but until we get another decent dump of snow, the conditions aren’t really that great (f...
by Shackleton
Sat Mar 14, 2020 8:55 am
Forum: Forum Issues and Administration
Topic: SQL errors
Replies: 13
Views: 1268

Re: SQL errors

“They’re baaaacck!” - little girl in Poltergeist
by Shackleton
Sat Mar 14, 2020 8:53 am
Forum: Investing - Theory, News & General
Topic: So.... is this really "it"? Is this what we needed to mentally prepare for?
Replies: 158
Views: 14306

Re: So.... is this really "it"? Is this what we needed to mentally prepare for?

Nisiprius- I always love your posts. This is another great one. After this is all over, if you are ever in my neighborhood I want to buy you a drink! But for now, here’s a COVID-19-health-safety-precaution-approved virtual beer :sharebeer
by Shackleton
Thu Mar 12, 2020 7:55 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25883

Re: Who is staying course and how are you dealing with net worth going down?

Staying course and not looking at net worth. I’m GOLDEN!!!!
by Shackleton
Sat Feb 29, 2020 8:16 am
Forum: Personal Consumer Issues
Topic: Are women's winter jackets the same as men's?
Replies: 12
Views: 767

Re: Are women's winter jackets the same as men's?

I’m a very tall woman (6’1”) but on the thin side. I sometimes buy men’s to get the longer sleeves they have. I find that a women's medium is usually slightly more “fitted” (larger in the chest compared to the waist) and the sleeves are an inch or two shorter. Men’s are boxier and the sleeves tend t...
by Shackleton
Fri Feb 28, 2020 9:05 am
Forum: Personal Consumer Issues
Topic: delete please, problem solved
Replies: 26
Views: 1852

Re: delete please, problem solved

I agree with BBQ Nut that it is not useful to delete entire threads just because the OP feels they have a solution. That's not how these types of boards are meant to work. Fortunately, our mods are smarter than that and won't delete the thread. And the OP's first post and subsequent ones were all qu...
by Shackleton
Fri Feb 28, 2020 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy short-term health insurance or ACA plan
Replies: 24
Views: 1418

Re: Should I buy short-term health insurance or ACA plan

Keep in mind that aside from short term insurance, there is also the possibility to buy "non-marketplace" or "off-marketplace" insurance. This is insurance that MEETS all the ACA requirements, is true health insurance (not short term insurance), but is purchased direct through the company site rathe...
by Shackleton
Mon Feb 24, 2020 8:08 am
Forum: Investing - Theory, News & General
Topic: Target funds by gender
Replies: 25
Views: 2000

Re: Target funds by gender

Wrong, the standard recommendation is to determine the AA that fits YOUR personal risk appetite, goals and situation. Target funds (and investing) are not one size fits all.
by Shackleton
Thu Feb 13, 2020 10:58 am
Forum: Personal Investments
Topic: Financial Strategies _during_ retirement
Replies: 11
Views: 1439

Re: Financial Strategies _during_ retirement

I worry about your idea of getting them a financial advisor so they are more comfortable taking risk. Their comfort with risk is what it is. A financial advisor should not be trying to get them to take on more risk than they are comfortable with. In fact, if a FA did that, I’d say runaway from that ...
by Shackleton
Thu Feb 13, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: eyeglasses delayed - coronavirus
Replies: 6
Views: 1391

Re: eyeglasses delayed - coronavirus

Co-worker just yesterday was telling me her glasses from Zenni were delayed due to the coronavirus causing plant shutdowns in China.
by Shackleton
Mon Feb 10, 2020 5:01 pm
Forum: Personal Consumer Issues
Topic: What is your most luxury/expensive hobby.
Replies: 262
Views: 19228

Re: What is your most luxury/expensive hobby.

I used to be a professional hunter/jumper trainer (English horseback riding) so I actually got paid to ride and show really expensive horses. Then, after 15 years as a pro, I transitioned back to being an amateur and even though I kept my horses at home and hauled my horses to shows, I easily spent ...
by Shackleton
Tue Jan 28, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Shopping for car insurance anonymously and privately
Replies: 33
Views: 2577

Re: Shopping for car insurance anonymously and privately

Except in the few states that don't allow insurance companies to use credit score as a rating factor, the "pertinent info" will ALWAYS include DOB and SSN to get an accurate quote. For a SWAG quote, you can just say you are "John Doe" and the quote will have absolutely no correlation to the actual r...
by Shackleton
Thu Jan 23, 2020 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Career Thoughts - Taking a large pay cut
Replies: 39
Views: 3302

Re: Career Thoughts - Taking a large pay cut

Very few employers ask what your current salary is anymore. And if they do ask, you have no obligation to tell them. Just tell them what you are looking to make, or ask what the salary range is for the job. So taking a "pay cut" (which may end up giving you more money in your pocket) does not have t...
by Shackleton
Wed Dec 11, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: What are you giving (or asking) for Christmas?
Replies: 77
Views: 5431

Re: What are you giving (or asking) for Christmas?

I don't ask for gifts. And I don't give gifts. I do spend time with those I love.
by Shackleton
Mon Dec 09, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Approximate cost of home ownership, as a percentage of home value, is 4.5%. What am I missing?
Replies: 18
Views: 1684

Re: Approximate cost of home ownership, as a percentage of home value, is 4.5%. What am I missing?

I’m always amazed at property tax rates in other areas. Where I live, the $850k house we bought has taxes of $2800 per year. That is .329%/year. Our last house in a different county, same state had taxes that were .28% of the value. I always choke a little when I see some of these high property tax ...