Search found 211 matches

by SleepKing
Wed Jun 21, 2017 7:38 am
Forum: Personal Consumer Issues
Topic: Good camera - new baby coming
Replies: 61
Views: 3318

Re: Good camera - new baby coming

To answer your question, you absolutely need something other than the phone camera if you want to get really nice photos for display, etc... If you're happy with mediocre or worse quality photos in difficult light and fast motion environments, then its fine to stick with the phone. From my experienc...
by SleepKing
Sun Jun 18, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Early retirement checkup for 38 year old
Replies: 21
Views: 2967

Re: Early retirement checkup for 38 year old

Thanks for your service. It is nice that your hard work and service will pay off. Overall your situation seems positive for early retirement. Obviously, if you can make it 5 years, that seems like a great return for amount of additional service. I would have more of a emergency cushion, 15k when you...
by SleepKing
Sat Jun 10, 2017 12:35 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3177

Re: Suit for residency interviews

A few thoughts on your residency interview appearance needs: First, I agree with the sentiment that looking presentable DOES MATTER! You get one chance to make a first impression. If you show up in a well fitting and clean suit, tie, belt, and shoes, look your interviewer in the eyes and shake their...
by SleepKing
Tue May 16, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Quality decline in off-brand alkaline batteries?
Replies: 28
Views: 1455

Re: Quality decline in off-brand alkaline batteries?

We use Amazon Basic Alkaline for all our home needs: AA, AAA, C, D. No problems or outrageous failures I've noticed. FYI, a leading home product reporting agency review ranked the following AA Alkaline batteries: (above hash line recommended) - Duracell Quantum - Rayovac Fusion -CVS Max - Duracell C...
by SleepKing
Sat May 06, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: How much to contribute to deferred compensation?
Replies: 9
Views: 1265

Re: How much to contribute to deferred compensation?

Before I give you our opinion, let me say we contributed to deferred compensation for a while. Stopped for a few reasons: -Simply did not trust the ability of our health system to remain solvent in unknown climate over next 20-30-40 years. You say that is minimal risk in your situation. -I was not c...
by SleepKing
Tue May 02, 2017 3:01 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 3295

Re: Great knife for slicing limes and raw potatoes

This may result in a downpour of comments, but we use CUTCO knives and really enjoy them. Although a bit biased, we have some that are almost 20 years old from when I sold it as a summer gig; they still look great and function like new when sharpened. French Chef's knife and Santoku are fantastic fo...
by SleepKing
Tue Apr 18, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8387

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (i...
by SleepKing
Tue Apr 18, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Mens Blue Jeans - What are we buying now?!
Replies: 86
Views: 8387

Re: Mens Blue Jeans - What are we buying now?!

KJV, I have problems with longer inseams and fit too. This skinny jean stuff is non-sense. I'm athletic, by no means big, and EVERY 'standard' or 'slim' fit looks like i'm wearing wrapping paper...and it's uncomfortable. I've found the following come in a range of styles and prices for tall size (ie...
by SleepKing
Sun Apr 16, 2017 6:51 am
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 6351

Re: Anyone else decided not to finish med school?

If your friend is regretting his decision, it may be a good idea to work with a life/career coach who specializes in physicians, and reevaluate. Based on personal experience on this topic of physician dissatisfaction and career detours ("friends and family"),it's important to understand t...
by SleepKing
Sat Apr 15, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1748

Re: Pay off debt or fund retirement accounts?

I also feel you should pay off the credit cards first, starting with highest interest rate. Also, check out any teacher or military credit unions for cards with a lower interest rate. Better yet, cut the cards up!
by SleepKing
Mon Apr 10, 2017 11:58 am
Forum: Personal Consumer Issues
Topic: Ordering a Weber grill this week
Replies: 149
Views: 11715

Re: Ordering a Weber grill this week

Have had a propane Spirit 310 since 2007 and have loved it. No side burner; we cook alot and have never once wished we had a burner on the grill. Here's my take on 'routine maintenance & up keep & things expected to replace': - I replace the flavorizer bars ~every 2-3 years when they rust re...
by SleepKing
Tue Apr 04, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Buying House with Odor (not cigarette)
Replies: 36
Views: 2908

Re: Buying House with Odor (not cigarette)

Deal breaker. That person could become more symptomatic, etc.. after moving in. Potential nuclear situation! Avoid.
by SleepKing
Sun Mar 26, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3351

Re: thoughts on in-ceiling speakers?

Finished the basement and wife said I could do WHATEVER I wanted...as long as she SAW NO SPEAKERS OR AUDIO COMPONENTS EVER AGAIN!!! lol! Well, I'm the wife and I want great sound! I've wanted electrostatic speakers ever since I worked at my college radio station and somebody donated one of these fa...
by SleepKing
Sat Mar 25, 2017 11:50 am
Forum: Personal Consumer Issues
Topic: thoughts on in-ceiling speakers?
Replies: 48
Views: 3351

Re: thoughts on in-ceiling speakers?

Similar situation with us Go Blue 99. Finished the basement and wife said I could do WHATEVER I wanted...as long as she SAW NO SPEAKERS OR AUDIO COMPONENTS EVER AGAIN!!! lol! In the main basement area area, we have a typical flat screen TV with all speakers in ceiling. They are Klipsch models. R/C/L...
by SleepKing
Thu Mar 23, 2017 2:46 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 10
Views: 1256

Re: home buying negotiation tips

We were in a month to month rental. Thus could offer buyer 'move whenever you want' to help their logistics after the sale and closing date etc.
by SleepKing
Tue Feb 28, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for cable TV
Replies: 76
Views: 5560

Re: Don't pay full price for cable TV

Our experience with TWC/Spectrum has been similar. The end game is when the initial deal ends and your price jumps up, they put you in a similar priced package for a year with the selling point of 'extra services for the same price'... but at the end of the year THAT will jump to a higher price than...
by SleepKing
Mon Feb 20, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?
Replies: 22
Views: 1675

Re: Cost of WiFi indoor/outdoor speakers: Is 3.5k too much?

Seems like their terminology is old. Sonons has a connect and connect amp that serve to tie in wired speakers to their wireless sonos network they will create. Also, whY are they selling you an $700 amp and the sonos connect amp to power the wired speakers? Maybe they havent explained it in detail t...
by SleepKing
Sat Feb 18, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale
Replies: 37
Views: 5100

Re: "With $15 Left in the Bank, a Baby Boomer Makes Peace With Less" -- A cautionary tale

Interesting. I'm either a late Gen X or early Millennial depending on how it's defined, but I wonder how my generation will end up in middle age. Overpaying for college seems to be a major problem for many in my generation, but I admit that might just be anecdotal. It also reflects my own biases. L...
by SleepKing
Fri Feb 17, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 4946

Re: Vanguard Web Site Down?

Also not able to access it. No notification of technical difficulties on their homepage.
by SleepKing
Tue Feb 14, 2017 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Currently an Edward Jones client and need some advice
Replies: 32
Views: 2707

Re: Currently an Edward Jones client and need some advice

Vanguard or fidelity are good brokerages to look into. They will walk you through and get you out of that disaster. Wont even have to call your advisor to break up. Lesson learned early on. Congrats on joing bogleheads.
by SleepKing
Tue Feb 14, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 6565

Re: Closed my Roth IRA due to political uncertainty - mistake???

My question is, did I make a big blunder? Am I being overly cautious? Yes. Yes. I say this very objectively; it appears you did not fully evaluate your decision (i.e. why not change to total bond, CDs, money market, etc.,etc..)? Perhaps you should develop a full financial plan prior to getting back...
by SleepKing
Mon Feb 13, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Custom House - Wait for a Recession?
Replies: 10
Views: 1730

Re: Custom House - Wait for a Recession?

Don't time the market. You could be waiting 10 weeks, 10 months, or 10 years.

Also, if you are that nervous, perhaps buying a used home in a well established neighborhood would give you some peace. You could research the historical trend during the great recession.
by SleepKing
Thu Feb 09, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: Saved too much? What do you splurge on?
Replies: 90
Views: 9689

Re: Saved too much? What do you splurge on?

Im not in my 70s or 80s, but have family that are. While not as financially gifted, i would like to share their perspectives in now various forms of slow/quick declining health. -legacy to family and charities they hold dear. Perhaps providing gifts for education, first cars , establishing endowd po...
by SleepKing
Sat Feb 04, 2017 3:56 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 3338

Re: Car wash best practices in cold climates?

Perhaps this is helpful:
http://www.dmv.org/how-to-guides/road-salt.php

Personally, i have lived in cold climate with salt and 5 season snow my whole life. Never regularly cleaned the underside....will just get resalted a few days later. Never had rust problems on our vehicles that we were told of.
by SleepKing
Sat Feb 04, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Please Help with 25 Year Old Daughter-In-Law.
Replies: 36
Views: 6106

Re: Please Help with 25 Year Old Daughter-In-Law.

I feel the best solution is as others have stated: -She is 25 with many good earning years ahead of her. Help her advance her current job to something better. She will be better able to provide for herself and the grandkids. Becoming a LPN or RN is a great first step. Perhaps you could offer to assi...
by SleepKing
Tue Jan 31, 2017 10:06 pm
Forum: Personal Consumer Issues
Topic: How to save money on a minivan?
Replies: 44
Views: 3383

Re: How to save money on a minivan?

I have not met a family that regretted purchasing a honda or toyota van. We have sienna and love it. Have met many people who swear off dodge-chrylser..but we have a good friend who really likes theirs. So variable on the domestic side. Had to laugh at people commenting on appearance of mini vans. I...
by SleepKing
Tue Jan 31, 2017 9:58 am
Forum: Personal Consumer Issues
Topic: Is joining a country club a character flaw?
Replies: 101
Views: 8907

Re: Is joining a country club a character flaw?

Let's attempt to analyze this with estimated costs I've looked at and assembled. Say, we are debating about joining a CC vs. installing your own pool for enjoyment and are otherwise on a financially responsible track and thus can afford either option. There are no nice, public, outdoor facilities wi...
by SleepKing
Sat Jan 28, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 4518

Re: Input on Apple Watch-Buy or Not?

We have passed on the watch. Lots of our friends have it, some really like, most are indifferent. We were told if you use it for fitness then give it a go, pretty solid health stuff. Otherwise, mostly redundant tech and apps with iphone. Personally, I enjoy a 'regular' mechanical watch for time and ...
by SleepKing
Sun Jan 15, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Washing Machines
Replies: 12
Views: 1389

Re: Washing Machines

We have LG 'mega load' HE top loading washer and love it. Might be a bit too much capacity for your needs. I'd check out smaller models. A leading consumer agency rated Whirlpool Cabrio Platinum, Samsung aqua jet, and LG mega load as recommended buys a while back when we were looking. Had an applian...
by SleepKing
Sun Jan 01, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is it ok to have only muni bonds and no taxable bonds?
Replies: 15
Views: 1990

Re: Is it ok to have only muni bonds and no taxable bonds?

It sounds like you are only asking about taxable accounts. Like others have implied, the answer depends: -If you have absolutely no other bond holdings, such as shorter term federal bond fund in a tax advantaged account, then too risky. I'd consider a split of Van CA Muni and Federal tax exempt (or ...
by SleepKing
Fri Dec 30, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 7430

Re: Affordable home exercise

https://ddpyoga.com

Nice program that I've used for a while.
by SleepKing
Tue Dec 27, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: At what age, income, and NW would you buy a $50k car?
Replies: 174
Views: 12650

Re: At what age, income, and NW would you buy a $50k car?

If you are hypothetically saying the buyer has:

-$2 million net worth
-No additional debt (assumption)
-stable income approaching mid-six figures
-desire to treat themselves to a luxury car

Sure. Go for it if that's your thing. You can get a real nice F-150 truck or 4-Runner for that!
by SleepKing
Tue Dec 27, 2016 9:02 am
Forum: Personal Consumer Issues
Topic: Cutting Trees in the Back Yard
Replies: 27
Views: 2477

Re: Cutting Trees in the Back Yard

Agree with above. Go with the insured professional.

It might be worth getting a few quotes. If you are in a northern climate, many companies offer winter rates too.

Best,
Sleepy
by SleepKing
Thu Dec 15, 2016 10:21 am
Forum: Personal Consumer Issues
Topic: Warm winter jacket for tall folks who are cheap?
Replies: 32
Views: 2810

Re: Warm winter jacket for tall folks who are cheap?

Here is my advise from one tall person to another. I have bought a wide array of quality and brands over the years. -LL bean or eddie bauer tall sizes are best. If you want a quality tall size, these are your best options. -expect it to last 5 years with heavy wear, longer with more gentle use. -act...
by SleepKing
Thu Dec 15, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 8991

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

The OP must be referring to the AWD Toyota Sienna. We've had both the AWD and FWD. When the 2011 FWD was totaled we replaced it with an AWD 2013. We have loved our Siennas but would not buy the AWD again. Little did we know that this model chews up tires. Research after the fact has proven we are n...
by SleepKing
Wed Dec 07, 2016 7:45 am
Forum: Personal Consumer Issues
Topic: Should I fill out survey evaluation of my boss?
Replies: 53
Views: 5044

Re: Should I fill out survey evaluation of my boss?

Nothing is anonymous. Never believe it will be. At my place my boss and other department heads or more senior leadership can selected 3 (i believe) and upper admin 'randomly chooses 3 peers', for a total of 6 "anonymous and de-identified reviews". Only glowing things have been communicated...
by SleepKing
Fri Nov 11, 2016 5:52 pm
Forum: Investing - Theory, News & General
Topic: Anybody regretting holding on to your REITS?
Replies: 97
Views: 13212

Re: Anybody regretting holding on to your REITS?

Ask me the same question in 35 years. For now i will continue reinvesting dividends in vanguard reit fund. Will evaluate next july if i need to rebalance from other funds. Only holding in tax advantaged.

Stay the course.

Best,
Sleepy
by SleepKing
Sun Nov 06, 2016 7:48 am
Forum: Personal Consumer Issues
Topic: Gaming system for kids?
Replies: 53
Views: 5432

Re: Gaming system for kids?

Dear Op, We are in a similar situation with similar concerns raised by the board. I currently play the old Wii system with him:wii sports, mariokart, guitar hero, and some trivia/strategy games are all we allow. Only as a special treat a couple of nights a week after homework and chores are complete...
by SleepKing
Sat Oct 22, 2016 7:35 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 7296

Re: Cheapskate for not flying business class?

Sir,

If you both can physically and emotionally tolerate coach, stay there. If your DW really wants you to upgrade and she rides you about it, then go for it. Nothing wrong with spending or saving based on the value you perceive.

And tell everyone who criticizes you to bugger off!

Best,
Sleepy
by SleepKing
Sun Oct 16, 2016 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Much Life Insurance Should we Buy?
Replies: 5
Views: 823

Re: How Much Life Insurance Should we Buy?

One thought some people do is a 'Term ladder'. For example: 30 year policy at 500k 20 year policy at 750k 15 year policy at 1 mil 10 year policy at 1mil They do this ASSUMING, they will pay down non-forgivable upon death debts and be able to accumulate their desired amount of monies in retirement, t...
by SleepKing
Sun Oct 09, 2016 7:20 am
Forum: Personal Consumer Issues
Topic: Is there a decent toaster out there?
Replies: 41
Views: 3318

Re: Is there a decent toaster out there?

My wife says 'no'. She's been thought a bunch, high end and low end. Best one she's seen is her mom's from the 1970s.

Disposable product, like all small appliances are now adays!
by SleepKing
Sat Oct 08, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Physician in need of help
Replies: 26
Views: 3331

Re: Physician in need of help

At your income level, I don't recommend doing a backdoor Roth. Sawhorse, can you please discuss why a backdoor is not recommended at a high income level? I was under the impression the backdoor provided an opportunity for high income earners to get funds into the Roth vehicle. Perhaps you are refer...
by SleepKing
Wed Oct 05, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Advice on woodpecker damage to wood siding
Replies: 15
Views: 1197

Re: Advice on woodpecker damage to wood siding

We had this problem. Pellet guns are an option, though I found the birds scare easy and could never get within range to fire. I put 3M clips on our cedar siding and hung windsocks. This worked. Had the socks up for 2 years and finally took them down this summer. Some websites I read suggested puttin...
by SleepKing
Tue Sep 27, 2016 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Best way to manage irrevocable trust?
Replies: 92
Views: 6504

Re: Best way to manage irrevocable trust?

Thank you bostondan for the timely and interesting topic. We too, are going through a trust planning phase with relatives and hope you and other Bogleheads could answer a couple questions you might have come across: 1) When setting up a trust (we plan to use Vanguard to invest), does there also need...
by SleepKing
Sat Sep 24, 2016 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 3114

Re: Prepay Mortgage: Does the length of time you live in the home matter?

We are in a similar situation. Of our 'extra' monies to invest each month, we put 2/3 towards mortgage and 1/3 to taxable account. Also big reason is we want to reduce/pay off mortgage debt in accelerated manner, just makes us sleep better.

Best,
Sleepy
by SleepKing
Mon Sep 19, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on mortgage principal prepayment
Replies: 16
Views: 2341

Re: Need advice on mortgage principal prepayment

Hard to give firm advice without more detailed information.

However, I will mention that while at present you have no kids, if your family grows in the future, you are very likely to move homes.
by SleepKing
Mon Aug 08, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: New Physician Loan/Investing Advice
Replies: 16
Views: 1928

Re: New Physician Loan/Investing Advice

I agree with the other board posts: -Max retirement first -Pay off your debt. You are well aware how fortunate to have such a small amount of debt compared to most of your colleagues, good work! -then save for house, etc..., taxable investing account NEVER underestimate the psychologic relief of bei...
by SleepKing
Fri Aug 05, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars
Replies: 75
Views: 8939

Re: Any advice---Toyota 4 runner vs. Honda Pilot--2016 cars

Awesome thread everyone! I'm approaching this same decision within the year and love everyone's thoughts on non-ginormous SUVs: -4 runner -Jeep grand cherokee -highlander -pilot -explorer I agree that the pilot has everything going for it EXCEPT its re-design is not stylish at all. It turns us off s...
by SleepKing
Wed Jul 27, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: Side Sleeper Seeking a New Bed Pillow
Replies: 10
Views: 1334

Re: Side Sleeper Seeking a New Bed Pillow

DW and i love our tempurpedic pillows. They make position specific pillows. Not cheap, but we love them.
by SleepKing
Sun Jul 24, 2016 6:38 am
Forum: Investing - Help with Personal Investments
Topic: 20% In REITS?
Replies: 45
Views: 4459

Re: 20% In REITS?

We have ~12% reit at present. Personally, 20% too much for me. Id argue your home is not the only real estate investment you need in a diversified financial plan. Id also argue your home is not an investment, rather a consumer product. But thats just me. Tune out the noise. Bonds are too high, stock...

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