Search found 233 matches

by simmias
Fri Nov 01, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: "One year into retirement!"
Replies: 4
Views: 1698

Re: "One year into retirement!"

Thank you! Some great posts in that thread.
by simmias
Fri Jul 12, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 4135

Re: How to encrypt Cloud backups?

I've always used AxCrypt, but Veracrypt is a good choice as well.
by simmias
Fri Jul 12, 2019 4:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 6814

Re: How to Safely Share User IDs / Passwords with Spouse

Keepass on Dropbox. Totally free though this is such an important thing to get right that paying a service (Lastpass, 1Password) is also a great idea. DW and I both keep all of our passwords there though I do 80% of the financial stuff. We have been on this system for over 10 years and it has been ...
by simmias
Fri Jun 14, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 10650

Re: Walkable neighborhods, potential for retirees

Bogle7 wrote:
Fri Jun 14, 2019 5:57 pm
Don't think walkable cities, think walkable neighborhoods.
This.
by simmias
Wed Jan 30, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4542

Re: Need help with computer crash!

As such, I went to Best Buy to look at new desk tops and in sticker stock! A HP desk top w/o software needed (Word, Excel, PowerPoint, Publisher) That must be purchased separately. Student version (w/o Publisher) is $150 and if you require Publisher and Outlook cost even more, plus there is an add’...
by simmias
Thu Jan 10, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6594

Re: Building Wealth Through Home Equity--Myth or Reality?

Based on everything I've read and observed, wealthy people have a lower percentage of their assets tied up in their principal residence than the non-wealthy. It shouldn't be surprising that wealthy people need to tie up a smaller percentage of their assets in the basic necessities of life like food...
by simmias
Tue Nov 13, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Is my Android tablet too old?
Replies: 16
Views: 977

Re: Is my Android tablet too old?

Going to yahoo.com brings up the authentication screen for me 90% of the time when I find myself in that situation.
by simmias
Sun Nov 04, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9171

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

But so many of the FIRE followers are living in almost poverty to retire early. There is a lot in between dining out our EVERY night and NEVER going out to eat. Same with expensive houses and cars. You can still indulge and save a lot of money if you pick and choose. Only on Bogleheads would somebo...
by simmias
Tue Oct 23, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 18099

Re: Where would you go for financial guidance if you win the Megamillions?

Does anyone remember the guy who won 315,000,000 in 2002? No? Most people don't and if you win this jackpot or hopefully me, no one will remember what you look like or your name after a while; unless your stupid enough to keep putting your name/face out there to remind people. FYI the winner name w...
by simmias
Wed Oct 10, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123313

Re: Stocks tumbling?

rockonhumblepie wrote:
Wed Oct 10, 2018 10:33 am
What goes up must come down
Spinnin' wheel got to go round
Talkin bout your troubles, it's a cryin sin
Ride a painted pony,let the spinnin' wheel spin

Name that band...?

I set it and forget it...and listen to some tunes. rockon 8-)
Dad, is that you?
by simmias
Tue Oct 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 17112

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Charlotte is great, but we're full at the moment.
by simmias
Wed Oct 03, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2824

Re: Did Jeff Bezos just pull a Henry Ford?

What is one thing that Amazon has done that has been bad for the consumer? I literally can't think of one single thing. Yeah they destroy the competition, by providing incredible services at incredible prices and they just keep pushing. Well, they raised prices on Kindle books, so they are now MORE...
by simmias
Fri Aug 24, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8490

Re: I still use cash not credit cards should I reconsider?

go_mets wrote:
Fri Aug 24, 2018 12:38 pm
My current contract job pays me by paper check every week, so I have to go to my bank and make a deposit.
It is a major pain the butt as far as I am concerned, but I do it.
Does your bank allow you to deposit checks using your phone? Maybe switch banks if they don't.
by simmias
Tue Aug 07, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 2904

Re: Getting the stink out of synthetic shirts

Here's an old trick I remember from my track team days that I still use to this day with success: Bring your sweaty clothes with you into the shower! Just throw them on the floor, stomp on 'em a bit while you are busy showering, then rinse, wring and hang.
by simmias
Thu Jul 05, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6480

Re: How to tip

student wrote:
Thu Jul 05, 2018 1:49 pm
BradJ wrote:
Thu Jul 05, 2018 1:13 pm
I will echo back what most people are saying, tip based on after tax bill.
You are technically correct but it seems the opinions are pretty evenly divided. I counted 16 to 14 including yours.
Make that 17 then.
by simmias
Wed Jun 27, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 11784

Re: Lost out on promotion

Promotions happens for all sorts of reasons, but usually not merit. Suggest you read The Gervais Principle by Vankatash Rao on the organization of work. He groups workers in three categories: sociopaths, clueless, and losers. I'm a loser or sociopath, depending on who you ask (my boss or reports). ...
by simmias
Mon Mar 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 4931

Re: Etiquette of hanging up on live telemarketers

P.P.S. Does anybody know why these scammers rarely give a name to the company they are calling from, but use vague descriptions, like "the chimney service?" For example, why do the heavily-accented voices over the really bad connection from "the Windows support center" call it that, instead of sayi...
by simmias
Tue Feb 27, 2018 7:56 am
Forum: Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 379

Re: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

If you're asking if you should "undo" your $60 non-deductible contribution, I don't see the point. Just leave that amount as basis in traditional IRA's for future years. This is what I was asking - sorry for the confusion! I was really asking if it's worth the annoyance now to unwind the $60 to avo...
by simmias
Tue Feb 27, 2018 6:37 am
Forum: Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 379

Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

Last year I invested $5,500 in a traditional IRA at the beginning of the year, but at year end it turns out $60 of that portion was non-deductible due to my MAGI being slightly higher than anticipated. I have already filed my 2017 taxes, and I submitted the form 8606. Is this going to be a big enoug...
by simmias
Fri Feb 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1795

Re: Can the real estate market crash if there's no inventory?

Low supply and high demand is a recipe for rising prices, at least in the short to medium term. In the longer-term, I would expect high prices to attract more supply, and higher interest rates to reduce demand somewhat. At some point, especially in urban areas, there's only so much supply that can ...
by simmias
Fri Jan 26, 2018 11:24 pm
Forum: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 27567

Re: I bought a stock today - Redfin (RDFN)

I do like Redfin's business model. I think it's the future of the industry, and Kelman is definitely impressive. I'm surprised that the courts have allowed brokerages to maintain their sham of an independent contractor relationship with their agents. It's only a matter of time before some of these c...
by simmias
Fri Dec 15, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 39
Views: 5109

Re: Takata Airbag Class Action Settlement

Of course I opted in. Up to $250 for a few keystrokes? Yes, please.
by simmias
Sat Nov 18, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 5903

Re: Replace TVs with Smart Tvs or not?

At two hours watching a day you are not a casual TV user in my mind, you are heavily using your two TV screens Multiple studies have shown that the average American watches five hours of TV a day. I'd say that makes his two hours pretty casual in comparison. OP, I echo the majority of the thread in...
by simmias
Sat Nov 11, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8613

Re: Swedish Death Cleaning

I read Marie Kondo's book about a year ago and was able to get rid of about half my clothes. It was incredibly liberating. However, I got stuck on books - for some reason, I have an incredibly hard time getting rid of them. Sentimental items were also a no-go. I need to revisit the decluttering. The...
by simmias
Sat Nov 11, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 12814

Re: Thouhgts about wearing a "uniform"/same thing everyday?

OP: Everyone has a brand, a schema by which they are known. Do you really want your brand to be associated with a lack of fashion sense and eccentricity? Wouldn’t you rather be known as the smart/creative/reliable/<insert here> coworker/subordinate/ prospective promotee? Fifteen pieces of flair is ...
by simmias
Sun Oct 29, 2017 6:51 pm
Forum: Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 24679

Re: Early-retired 35 year old with $1 million

eye.surgeon wrote:
Sun Oct 29, 2017 4:11 pm
I guess I was using hyperbole to make a point, that being someone who has amassed $1m @ 35 yrs old is unlikely to be satisfied living on $30k/year.
But he amassed $1m @ 35 yrs old by living on $30k/year.
by simmias
Fri Oct 27, 2017 3:32 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 4223

Re: Upgrade my Roku?

The Roku 2 got an upgrade to its processor a few years ago, so if you're running on one made before 2015 or so I'd say it's worth an upgrade to the newer 2. The increase in responsiveness is night and day between the old model and the newer one, and they're relatively cheap.
by simmias
Wed Oct 25, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 5723

Re: Amazon kindle paperwhite

I love love love my paperwhite. Great for night reading, outdoor reading, traveling, etc. The battery lasts forever and it's the easiest device on my eyes by far.
by simmias
Wed Oct 18, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 2455

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Don't go by my opinion. My first gaming machine was a Commodore 64, and my favorite games of all time either were played on the C64 (the Zork series) or else were SVGA-level (Rama, Zork Grand Inquisitor, Myst Exile). Man... do I feel old! +1 zork > green screen, double floppy drive. Interactive Tex...
by simmias
Wed Oct 11, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 2832

Re: Mint - Issues with showing my account details

It's you. Are you navigating away from the page while it updates? Don't even minimize it or open another tab. Just sit there and stare while it updates, or go pour a cup of coffee or something. In my experience, anything else will give you the error you've reported. If you've already been doing that...
by simmias
Mon Oct 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10169

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by simmias
Mon Oct 09, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10169

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by simmias
Thu Sep 28, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 19445

Re: Why do you LBYM? Why do you save and invest?

nisiprius wrote:
Thu Sep 28, 2017 6:57 am
It takes twenty seconds to stop, bend over, pick up the penny, straighten up, and put it in your pocket.
Whenever anyone asks the average age of the bogleheads user, I'm going to reference this post. :D
by simmias
Thu Sep 28, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 19445

Re: Why do you LBYM? Why do you save and invest?

I started life as a profligate spender, had an epiphany right before I turned 30 that the lifestyle was unsustainable, and have been LBMM ever since. But that wasn't enough. Going through the recession in constant fear of losing my job made me never want to be in that position again, so I started re...
by simmias
Thu Sep 21, 2017 3:16 am
Forum: Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 31003

Re: I won the Lottery. Need sound advice.

As someone mentioned earlier, the "two chicks" quote was definitely a reference to Office Space. It sounds like some of you need to drop whatever you're doing and watch it. OP, read "The Millionaire Next Door." Then start reading the Mr. Money Mustache blog. I agree with most everyone else about you...
by simmias
Mon Sep 18, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 21
Views: 2682

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. That works just fine when buying products made by a corporation whose execut...
by simmias
Mon Sep 18, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Super Nintendo Classic edition
Replies: 21
Views: 2682

Re: Super Nintendo Classic edition

For these type of things, I just wait for the following month after they come out and walk into the store and purchase it with ease. It never seems worth the hassle and sometimes price to get it earlier than everyone else. The problem is that never happened with the Nintendo mini. There was a limit...
by simmias
Thu Sep 14, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Problems obtaining a free annual Equifax credit report online
Replies: 38
Views: 28535

Re: Problems obtaining a free annual Equifax credit report online

I've gotten a similar message from Experian ever since news of the hack.
by simmias
Sun Sep 10, 2017 12:20 pm
Forum: Personal Investments
Topic: Financial Independence Mindset
Replies: 83
Views: 8430

Re: Financial Independence Mindset

WanderingDoc wrote:
Sat Sep 09, 2017 9:41 pm
I am in my early 30s, and I have $3000-4000 in net passive monthly income through real estate.
Do you hire out the property management?
by simmias
Wed Sep 06, 2017 5:11 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8909

Re: Do I need an Amazon Echo??.....

In this thread, https://www.bogleheads.org/forum/viewtopic.php?f=11&t=227099&start=100 several people have reported Echo as something they regret getting. Victoria If "several" means "two." :P More people in that thread were defending it from what I read. I received mine as a gift and thought I wou...
by simmias
Mon Aug 21, 2017 3:07 pm
Forum: Personal Consumer Issues
Topic: How do you watch movies? (Theater, online streaming, DVD, etc.)
Replies: 40
Views: 4656

Re: How do you watch movies? (Theater, online streaming, DVD, etc.)

I try to go to a movie once a week. I love movies, and I like to support the industry. Theaters have gotten much nicer in our area. Many now have spacious stadium seating with assigned seats, and my favorite brings me brownie sundaes with the flick of a button. One thing that annoys the heck out of ...
by simmias
Sat Aug 19, 2017 4:23 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 8635

Re: Where to buy glasses for eclipse viewing ?

Good idea to "test" them beforehand. You should NOT be able to see anything - no light bulbs, no headlights, etc. - OTHER than the sun itself! While this is true, it's incomplete and I don't recommend using a pair of glasses you aren't sure about on the basis of this test. The important trait of ec...
by simmias
Sat Aug 19, 2017 4:20 am
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 8635

Re: Where to buy glasses for eclipse viewing ?

Given that some counterfeits are also copying all of the "credential verbiage", how can you be sure they are "okay"? We got ours directly from the manufacturer, and still this is a bit nerve-wracking... With most things, if one gets a "fake", it's just an aesthetic or durability problem, not a pote...
by simmias
Sat Aug 19, 2017 3:56 am
Forum: Personal Finance (Not Investing)
Topic: New job, life changes
Replies: 26
Views: 3120

Re: New job, life changes

My 401k is at the principal group, but one of the odd arrangements they're doing is not having *any* funds from the principal group and only using low cost external funds. They're keeping vangaurd admiral index funds as an option. They're actually switching from vangaurd to this new provider about ...
by simmias
Wed Aug 16, 2017 8:34 am
Forum: Personal Investments
Topic: what % of international stock
Replies: 36
Views: 3952

Re: what % of international stock

parsi1 wrote:
Wed Aug 16, 2017 8:17 am
I am in vanguard target retirement 2025, the international portion is close to 25%
But it's 40% of total equities.
by simmias
Sat Aug 12, 2017 6:59 am
Forum: Investing - Theory, News & General
Topic: Redfin
Replies: 29
Views: 5875

Re: Redfin

I think Redfin's model is the future, with agents as employees instead of independent contractors. I don't think agents are ever going away - too many people need too much handholding when buying or selling homes. I do think that commission models are hanging on for dear life, though, and that we'll...
by simmias
Fri Aug 11, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Free Reading
Replies: 67
Views: 9301

Re: Free Reading

gkaplan wrote:Still waiting for a response from rgs92.
Why so confrontational? I imagine the 10 or so people who responded to him/her argued the point well enough that there's no need to respond.
by simmias
Thu Aug 10, 2017 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12340
Views: 2123313

Re: U.S. stocks in freefall

You guys are poking the bear, in a manner of speaking.
by simmias
Wed Aug 09, 2017 6:06 am
Forum: Investing - Theory, News & General
Topic: Deja Vu.. are there too many houses for sale?
Replies: 47
Views: 5575

Re: Deja Vu.. are there too many houses for sale?

I didn't realize there were so many Charlotte bogleheads here. Anything under $300k sells almost immediately here, while inventory priced higher than that sits longer. Prices are climbing due to our low inventory. In the city we're at like 1.5 months of inventory. Builders are only getting financing...
by simmias
Thu Aug 03, 2017 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: How far off are Zillow's estimates?
Replies: 82
Views: 10660

Re: How far off are Zillow's estimates?

That's really strange. I'm able to log in and change all of my house's data (square footage, number of rooms, etc.). Maybe it's because my house isn't for sale? Perhaps it's different if the house is actively listed? Did you pursue it further? That's a situation that likely would have prompted me t...