Search found 1716 matches

by jabberwockOG
Sun Jul 14, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 82
Views: 3977

Re: Automatic Watches

https://www.amazon.com/Timex-TW5M10400-Ironman-Sleek-Black/dp/B01NAJF2N7/ref=sr_1_27?crid=Q5RBRMMLEZDX&keywords=timex+indiglo+watches+for+men&qid=1563141233&s=apparel&sprefix=Indigl%2Cfashion%2C144&sr=1-27 $35 delivered - waterproof and dead on accurate. Replace $3 battery once a year takes about 5 ...
by jabberwockOG
Fri Jul 12, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating on an RV
Replies: 37
Views: 1999

Re: Negotiating on an RV

Buying any type of vehicle at a fair price always requires lots of effort and patience. Easy and quick when it comes to purchasing a vehicle of any kind is always extremely expensive - no exceptions to this rule - it is a high cost to convenience and sellers know it and their profits depend on it. T...
by jabberwockOG
Thu Jul 11, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: 2016 Car with only 11,000 miles?
Replies: 32
Views: 2895

Re: 2016 Car with only 11,000 miles?

We drive about 3-5k per year per car max so low mileage cars are definitely out there. Nothing to worry about with a low mileage car, unless it was stored and not driven for several years, and then it depends on how it was prepped for storage and ow it was stored. A well prepped car and stored car w...
by jabberwockOG
Thu Jul 11, 2019 3:31 pm
Forum: Personal Investments
Topic: Vanguard to Ameriprise... Naah!
Replies: 6
Views: 913

Re: Vanguard to Ameriprise... Naah!

Definitely move everything over to Vanguard if you already have investments there. Much better to get one consolidated account so one style/format of tax forms and statements are much easier.
by jabberwockOG
Wed Jul 10, 2019 8:38 pm
Forum: Personal Consumer Issues
Topic: Automatic Watches
Replies: 82
Views: 3977

Re: Automatic Watches

Mechanical automatic watches will be off by as much as a second a day and that is when they are new, or right after being freshly adjusted, cleaned and oiled. Anytime after that the watch is even less precise. This periodic maintenance is an expensive and time consuming procedure usually required ev...
by jabberwockOG
Wed Jul 10, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Recommendations for binoculars
Replies: 34
Views: 1614

Re: Recommendations for binoculars

Vortex has decent optics and great warranty and make good binoculars at a couple of different price points. I have 10x42 Vortex Viper HD and they are outstanding but might be more than you want to spend. I love high quality gear so I figure pay once, cry once, when it comes to acquiring quality pers...
by jabberwockOG
Tue Jul 09, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: 2019 Cx5 grand touring reserve pricing
Replies: 2
Views: 339

Re: 2019 Cx5 grand touring reserve pricing

Looking into buying a 2019 mazda cx5 grand reserve (trim choice because of the turbo and the active AWD). I am trying to find a good price. I have a dealer asking 37000 (inclusive of tax, and doc fee) (33740+2500+250+accessories). Let me know. Thanks! What is the "drive out price" - the total cost ...
by jabberwockOG
Tue Jul 09, 2019 6:43 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2542

Re: Volunteer suggestions

Good causes are not hard to find. Check out your local Habit for Humanity. They can almost always use volunteers on a building or renovation site, particularly on weekdays. You do not need any special skills to volunteer for HFH. They will teach you (safely) to perform any of tasks they take on buil...
by jabberwockOG
Mon Jul 08, 2019 8:21 am
Forum: Personal Consumer Issues
Topic: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or against?
Replies: 27
Views: 2165

Re: DIY Home Security like Ring and SimpliSafe vs paid services like ADT and Rampart. What do you advise for and/or agai

I have a simplisafe system installed, and it has been great. But simplisafe monthly monitoring for the full featured app is $25. Their lower cost monitoring option is pretty useless. If I had it to do over today I'd buy a ring security system instead particularly because we have ring pro door bell c...
by jabberwockOG
Mon Jul 08, 2019 6:45 am
Forum: Personal Investments
Topic: Where to invest new cash at this time of all time high market
Replies: 24
Views: 2667

Re: Where to invest new cash at this time of all time high market

Fairly easy problem to solve. Dollar cost average 10% of it into your investments each month per your normal asset allocation until it is all in.
by jabberwockOG
Sun Jul 07, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3917

Re: Is Grass milk worth it?

Not sure why adults are interested in drinking milk. I have no issue with some amount of cheese, yogurt, etc products in our diet, but adults significant drinking quantities of plain milk strikes me as weird/slightly gross. The only creatures that should be drinking significant amounts of mother's m...
by jabberwockOG
Wed Jul 03, 2019 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 10559

Re: Preparing my wife for financial life without me.

FI4LIFE wrote:
Wed Jul 03, 2019 9:04 pm
I'll probably walk my wife through a plan once and include some notes in a binder containing statements for all our accounts. Beyond that, I won't care because I'll be demented or dead. She never listens to me anyway.
I may be married to her long lost sister.
by jabberwockOG
Tue Jul 02, 2019 7:53 am
Forum: Personal Investments
Topic: Roth IRA investments
Replies: 11
Views: 1222

Re: Roth IRA investments

No one on TV or in print who claims to have any special insight into what will happen with economy or markets should be believed. Those that actually know and have some real valid information, absolutely won't tell you, and those that have no clue are always happy to give advice to anyone that will ...
by jabberwockOG
Tue Jul 02, 2019 7:37 am
Forum: Personal Investments
Topic: Months from Retirement, Gut Check, questions
Replies: 19
Views: 3062

Re: Months from Retirement, Gut Check, questions

Consider retirement in early 2020, perhaps you can add a few more dollars into the TSP and Roth accounts for 2020. Retirement on 12/31/2019 loses the benefit of earnings in the new year. Not for too long, just enough to earn $25k in taxable income that you can contribute to Roth TSP and a Roth IRA ...
by jabberwockOG
Mon Jul 01, 2019 10:54 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5686

Re: Are you a serious DIYer?

Over the course of 45 years bought numerous houses and most of them except perhaps the last one were fixers. Being thrifty (and initially pretty destitute) meant learning to diy almost all home maintenance and improvement projects, as well as most car repairs and maintenance. Accumulated a lot of to...
by jabberwockOG
Mon Jul 01, 2019 10:16 pm
Forum: Personal Consumer Issues
Topic: What do you do if you get in an accident?
Replies: 26
Views: 1936

Re: What do you do if you get in an accident?

It is critical that you be on record as reporting any accident. Why? Sounds crazy but you can be accused of virtually anything after the fact by "witnesses" - ranging from not actually being present to fleeing the scene (and other crazy stuff most folks can't imagine) by the other party. Assume the...
by jabberwockOG
Mon Jul 01, 2019 6:01 pm
Forum: Personal Consumer Issues
Topic: What do you do if you get in an accident?
Replies: 26
Views: 1936

Re: What do you do if you get in an accident?

1. Always call police immediately for any car accident - absolutely no exceptions. Identify yourself and your location, give them details and let them decide if they will come on scene. It is critical that you be on record as reporting any accident. Ask for EMS if anyone may be hurt. 2. Use cell pho...
by jabberwockOG
Mon Jul 01, 2019 8:20 am
Forum: Personal Investments
Topic: Investing a windfall when the market is at “an all-time high?”
Replies: 33
Views: 3689

Re: Investing a windfall when the market is at “an all-time high?”

I simply paid off our mortgage. Bam. Done. +1. Great advice. The most freeing thing I did was to get rid of all debt, especially our mortgage. Forget the tax argument. We then were able to save 75-80% of our income. The vast majority of investment $ saved in last 10 years prior to retirement. Just ...
by jabberwockOG
Sat Jun 29, 2019 9:57 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

Don't be deceived, playing competitive pickleball even on a recreational level can be just as tough on knees, back, and other joints as tennis or racquetball. Playing competitive pickleball can be tough on your body especially if you are not in pretty decent shape or somewhat overweight. More than a...
by jabberwockOG
Thu Jun 27, 2019 8:17 am
Forum: Personal Consumer Issues
Topic: Tire Pressure Monitoring System failed: Replace or Ignore?
Replies: 88
Views: 4844

Re: Tire Pressure Monitoring System failed: Replace or Ignore?

As someone posted TPMS is a critical safety item if you have run flats on the car. If you have regular tires and you aren't going to keep the car much longer you could ignore and just be sure to check pressures every 1-2 months. If you are keeping the car for several more years I'd have the sensor r...
by jabberwockOG
Wed Jun 26, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: Pickleball Paddle recommendation?
Replies: 60
Views: 3402

Re: Pickleball Paddle recommendation?

I currently play with an Atomic Gamma paddle which I like because it fits my particular level of fitness, strength, and specific style of play. I prefer a slightly heavier, very solid paddle. Different paddles can vary a lot in terms of feel and the way they play - weight, balance, flexibility, soun...
by jabberwockOG
Wed Jun 26, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: Belt sander or disc sander for refinishing decks?
Replies: 32
Views: 2451

Re: Belt sander or disc sander for refinishing decks?

If I was going to be in that house for a while I'd replace the deck boards with a high quality synthetic deck material. Buy once, cry once.

Be very careful and wear a high quality respirator when sanding pressure treated wood that is rated for outdoor use (like those 5/4 deck boards).
by jabberwockOG
Tue Jun 25, 2019 10:31 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 44147

Re: What lifestyle creep made you happier?

Pro lawn care during the long hot summer months. Very high end sports equipment and shoes/ upgraded/replaced regularly. Apple phones and computers. Lexus automobiles. Thomasville and Ethan Allan furniture. High quality shoes/boots/sandals - Mephisto, Ecco, Keen, Merrell, Brooks, Lowa, etc.
by jabberwockOG
Sun Jun 23, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5420

Re: Single cup coffee/espresso options, 2019

Fresh, good quality beans will make a larger difference than anything else mentioned in this thread. Look for beans roasted within the last couple of weeks, and only buy what you can use in a couple of weeks. Buy whole beans and grind them as needed. Folgers is stale before you even open the can. S...
by jabberwockOG
Sat Jun 22, 2019 6:31 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 15826

Re: what was your worst major purchase? mine is a 2019 mazda3

Purchased two nice convertible cars in the last 10 years. Owned each car for just over 2 years, usually spending a few extra $$ getting them 100% perfect, then got bored, sold them for approx $4k loss each. So $8k down the drain because I can't remember that driving a car around with the top down re...
by jabberwockOG
Wed Jun 19, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5420

Re: Single cup coffee/espresso options, 2019

Fresh, good quality beans will make a larger difference than anything else mentioned in this thread. Look for beans roasted within the last couple of weeks, and only buy what you can use in a couple of weeks. Buy whole beans and grind them as needed. Folgers is stale before you even open the can. S...
by jabberwockOG
Tue Jun 18, 2019 8:26 am
Forum: Personal Investments
Topic: Watches as investments?
Replies: 19
Views: 1983

Re: Watches as investments?

Collectable watches = very expensive mechanical Beanie Babies. Most expensive collectibles are subject to extreme price fluctuations over time due to generational and demographic trends that are typically impossible to see coming down the pike until the average amateur "collector" is road kill.
by jabberwockOG
Tue Jun 18, 2019 8:14 am
Forum: Investing - Theory, News & General
Topic: A thought on mortgage payoff vs investing
Replies: 27
Views: 3065

Re: A thought on mortgage payoff vs investing

Some of the variation of recommendations is based on personal psychological perspective. For me personally there is no single item more significantly positive in my history of saving and investing (over 40 years) than always making extra mortgage payments and paying off my last mortgage in less than...
by jabberwockOG
Fri Jun 14, 2019 8:22 pm
Forum: Personal Investments
Topic: Social Security Retirement Age
Replies: 20
Views: 3496

Re: Social Security Retirement Age

I know my ideas on when to take Social Security are not supported by most. When I seriously started my retirement planning 25 years ago I plugged in the payout at 50% of projections - just to cover for some type of future reduction/taxation. Luckily, when I took mine at 62, the payout was still at ...
by jabberwockOG
Thu Jun 13, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Petroleum pipeline on property
Replies: 27
Views: 2279

Re: Petroleum pipeline on property

Absolutely no way should you buy residential property with a commercial gas or petroleum pipeline and easement on it. There is nothing but downside associated with that transaction/investment.
by jabberwockOG
Wed Jun 12, 2019 9:29 am
Forum: Personal Investments
Topic: Starbucks; buy, sell, hold?
Replies: 41
Views: 3294

Re: Starbucks; buy, sell, hold?

SBUX -played out at this point.

Since it's only 2% of portfolio sell it and have some fun finding a new potential flyer to invest in. I'd consider putting it into one or two weed companies or a weed fund. Likely there will be a friendly weed shop on every other corner pretty soon.
by jabberwockOG
Tue Jun 11, 2019 7:12 am
Forum: Personal Investments
Topic: Cash to investments
Replies: 31
Views: 2693

Re: Cash to investments

Equity markets cycle up and down every week based on real events/news/noise, but price/returns long term trend has been up over time. If you have long term investment goals than at what level you invest today does not make that much difference in the long run. If you have short term goals the equity...
by jabberwockOG
Mon Jun 10, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: Cleaning up new house before move in—getting rid of “cat smell”
Replies: 59
Views: 10608

Re: Cleaning up new house before move in—getting rid of “cat smell”

When looking at homes, I make sure my realtor knows better, but sometimes if we look at something they have not previewed, if the house stinks of anything (cats/dogs/cigarettes/mold/etc.) I am usually back out the door within 1 minute, sometimes faster. Unless you are in the house flipper business a...
by jabberwockOG
Sun Jun 09, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 19268

Re: Paying for rent is throwing away money...myth?

If you want to live in a safe very desirable area it makes sense to buy a home instead of renting. Rents in safe and very desirable areas will never stop increasing because there will almost always be increasing demand. Owning a home in safe and desirable places means a home in that area is almost ...
by jabberwockOG
Sat Jun 08, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for rent is throwing away money...myth?
Replies: 302
Views: 19268

Re: Paying for rent is throwing away money...myth?

If you want to live in a safe very desirable area it makes sense to buy a home instead of renting. Rents in safe and very desirable areas will never stop increasing because there will almost always be increasing demand. Owning a home in safe and desirable places means a home in that area is almost c...
by jabberwockOG
Sat Jun 08, 2019 4:26 pm
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 6070

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

Thanks to those that have replied to my post. A good portion of my savings to date, roughly 65% of it, came in the form of RSUs (restricted stock units) from my previous employer which appreciated greatly over the past 5 years. I had so much of my net worth in those RSUs, all other income went into...
by jabberwockOG
Sat Jun 08, 2019 4:23 pm
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 6070

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

I've never understood the attraction of retire-at-40-and-never-work-again. There is a happy medium between being stuck in a stressful job which you do not like, and sitting around doing nothing productive for the next 40-60 years. I retired 10 years ago at 42, and have no need to ever work again. W...
by jabberwockOG
Fri Jun 07, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Camry Owners What Fluids do you flush if any on your car and how often
Replies: 11
Views: 1615

Re: Camry Owners What Fluids do you flush if any on your car and how often

1. Brake fluid is hygroscopic meaning it absorbs water over time. Water is not a good thing to have in brake lines. Miles driven with brake fluid is typically not critical, but you should change brake fluid every 2-3 years max, or sooner if the brake fluid turns dark or murky looking. Brake fluid sh...
by jabberwockOG
Wed Jun 05, 2019 10:43 pm
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7884

Re: What flagship (even used) item is better than a budget new item?

1. Apple phones, tablets and computers 2. High end Brooks and Asics athletic shoes 3. Top of the line sports equipment - racquets, paddles, etc. 4. Acura/Honda in the past, lately Lexus/Toyota 5. Costco membership 6. SOG/Spyderco/Kershaw knives 7. Crimson Trace lasers 8. Vortex and Minox Optics 9. M...
by jabberwockOG
Wed Jun 05, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2689

Re: Any TV guys out there?

I cant think of any reason to buy a used TV unless it was offered for $200 bucks or less. Very tough to beat Costco for new TVs. And warranty with Citi card extra warranty is very good. We bought an 8 series Samsung 65" TV from Costco a few years ago and it has been flawless. The inbuilt Smart softw...
by jabberwockOG
Tue Jun 04, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4786

Re: Are we downsizing too much?

In retirement we went from 4 bedroom 3800 with tons of closets, to 4 bedroom 2500 with much less closet space. Much smaller yard that takes 30 minutes to mow and blow front and back which is great. We still have 4 bedrooms (rooms with a closet) which was more important than total size. In addition t...
by jabberwockOG
Mon Jun 03, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Santa Fe real estate
Replies: 64
Views: 4182

Re: Santa Fe real estate

We looked hard at SF for retirement. We had visited many times over the years, loved it, seemed like a good fit for us checking a lot of boxes. Three factors ultimately weighed against it for us to choose a different retirement location. Strongly agree with folks posting to rent for a full year firs...
by jabberwockOG
Sat Jun 01, 2019 9:41 pm
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1899

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

For casual homeowner diy projects I personally use and recommend buying Home Depot's Ryobi brand multi tool kits, due to really good pricing and excellent value. They will hold up just fine under light to medium use by homeowner. I do a lot of volunteer work building houses for local charity, the po...
by jabberwockOG
Wed May 29, 2019 8:30 am
Forum: Personal Investments
Topic: Newbie advice
Replies: 10
Views: 655

Re: Newbie advice

Unless you are being paid a very significant salary premium that is supposed to make up for your employer not contributing matching funds to their employee 401 k account, I'd find a new employer that has a 401k and matches some of the contribution. Employer matched 401k contributions are huge in the...
by jabberwockOG
Wed May 29, 2019 8:26 am
Forum: Personal Investments
Topic: Holding cash
Replies: 8
Views: 1867

Re: Holding cash

If you already have significant cash in CD's, definitely pay off the mortgage ASAP. Pay off is equivalent to a 100% risk free 3% return after tax for 11 years.
by jabberwockOG
Tue May 28, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: Used Miata as a daily driver, terrible idea?
Replies: 44
Views: 2348

Re: Used Miata as a daily driver, terrible idea?

Former Miata owner that loved it as a weekend toy. Miatas are not even remotely a heavy traffic commuter style car. Very few cars would be worse for commuting.
by jabberwockOG
Wed May 22, 2019 7:11 am
Forum: Personal Investments
Topic: Frozen by uncertainty, really want to unfreeze
Replies: 34
Views: 3327

Re: Frozen by uncertainty, really want to unfreeze

I'd suggest cutting back on expenses as others have suggested. Also set up online savings and CDs at a bank like Ally. It is easy to set up and move money around very quickly, and the big online banks are secure and pay highest avail interest. I'd also cut way back on college education funding and i...
by jabberwockOG
Tue May 21, 2019 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: Senior management/executives
Replies: 51
Views: 4197

Re: Senior management/executives

You could talk to HR about this event, but understand that it could be a serious risk and damage your opportunities with the company. Corrupt and/or dishonest individuals like this, especially when they get to VP/senior levels, cannot be expected to behave honorably or tell the truth. Any attack on ...
by jabberwockOG
Tue May 21, 2019 10:41 pm
Forum: Personal Consumer Issues
Topic: Computer speed question which computer is faster and why?
Replies: 22
Views: 1535

Re: Computer speed question which computer is faster and why?

Thanks everybody. I guess for everyday tasks either would do. In fact the one with ssd might win for everyday tasks. To keep the money down I was thinking about an i5 with an ssd. I just do everyday things nothing fancy. Forums and streaming radio are my big tasks. For this kind of computing the pr...
by jabberwockOG
Tue May 21, 2019 6:44 am
Forum: Personal Consumer Issues
Topic: Arc'teryx - Anyone else here splurge?
Replies: 30
Views: 4000

Re: Arc'teryx - Anyone else here splurge?

Latest hot trendy overpriced brand name. Nothing wrong with it in principle but several similar brands cost up to 50% less and are as good or better in design and materials as Arcteryx.