Search found 1688 matches

by jabberwockOG
Fri Jun 14, 2019 8:22 pm
Forum: Personal Investments
Topic: Social Security Retirement Age
Replies: 20
Views: 3326

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: 2157

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: 3089

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: 2517

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: 9674

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: 18454

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: 18454

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: 5945

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: 5945

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: 1551

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: 7678

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: 2628

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: 4682

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: 4102

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: 1857

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: 643

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: 1856

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: 2308

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: 3290

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: 4118

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: 1519

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: 3971

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.
by jabberwockOG
Tue May 21, 2019 6:39 am
Forum: Personal Consumer Issues
Topic: How to deal with home upgrades - HELOC or not?
Replies: 23
Views: 1590

Re: How to deal with home upgrades - HELOC or not?

I would be patient. You can drive on a crumbling driveway. Maybe a patch overlay? A year or 2 from the fence needing to be replaced means you have a year or 2 to pay down the other debt. Is the roof leaking or just getting in the last 5 years of its life? Old roofs last a long time if not leaking. ...
by jabberwockOG
Sat May 18, 2019 7:20 am
Forum: Personal Consumer Issues
Topic: Specific earbud recommendation
Replies: 10
Views: 1117

Re: Specific earbud recommendation

I have these for last 6 months and so far they work great and easily stay in my ear even with relatively strenuous exercise.


https://www.amazon.com/gp/product/B07H4 ... UTF8&psc=1
by jabberwockOG
Sat May 18, 2019 7:12 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3102

Re: Synthetic oil or not for very low mileage auto?

Mobil1 full synthetic costs $13 total for a 5 quart jug ($23 at Walmart minus $10 online/mail-in rebate that runs most of the year). Pennzoil Platinum often has similar rebates and pricing. The added cost of synthetic oil, if any, is minimal compared to conventional oil. I don't think the decision ...
by jabberwockOG
Thu May 16, 2019 8:39 pm
Forum: Personal Consumer Issues
Topic: Fixing Bad Lawn
Replies: 13
Views: 2097

Re: Fixing Bad Lawn

Get soil tested for both front and back yard. Southern lawns tend to need lime applied on a regular basis particularly if there are lots of pine trees around. If your azaleas are going great your soil is likely too acid for good grass growth. Apply very light coats of fertilizer 3-4 times a year alo...
by jabberwockOG
Wed May 15, 2019 7:25 am
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 27
Views: 3012

Re: Retirement home location, good, better, best

When picking out a tax haven state away from dem yanks, I would suggest you avoid the areas prone to flooding. Coastal homes in general are very exposed and that problem will continue to get worse. 500 year floods should be expected every few decades going forward. Cape cod and barrier islands alon...
by jabberwockOG
Tue May 14, 2019 9:42 pm
Forum: Personal Consumer Issues
Topic: Retirement home property - select good, better, best?
Replies: 27
Views: 3012

Re: Retirement home location, good, better, best

When picking out a tax haven state away from dem yanks, I would suggest you avoid the areas prone to flooding. Coastal homes in general are very exposed and that problem will continue to get worse. 500 year floods should be expected every few decades going forward. Cape cod and barrier islands alon...
by jabberwockOG
Tue May 14, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3966

Re: Instant Coffee?

Passionate coffee snob here. Not a fan of anything Starbucks, but their instant VIA coffee works pretty well in a pinch especially while on the road traveling. Never had a cup of anything made with one of those Kuerig machines that was even close to acceptable. Imagine the array of nasty stuff that...
by jabberwockOG
Tue May 14, 2019 9:25 pm
Forum: Personal Consumer Issues
Topic: Chrome or Brushed Nickel [Bathroom fixtures]
Replies: 29
Views: 2022

Re: Chrome or Brushed Nickel

Good quality brass fixtures in chrome finish are timeless and classic. Everything else is just this decade's fad look and will look very dated in a few years.
by jabberwockOG
Tue May 14, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 3966

Re: Instant Coffee?

Passionate coffee snob here. Not a fan of anything Starbucks, but their instant VIA coffee works pretty well in a pinch especially while on the road traveling. Never had a cup of anything made with one of those Kuerig machines that was even close to acceptable. Imagine the array of nasty stuff that ...
by jabberwockOG
Tue May 14, 2019 9:07 pm
Forum: Personal Consumer Issues
Topic: Water Damaged Subfloor - costs?
Replies: 11
Views: 1085

Re: Water Damaged Subfloor - costs?

More important to fix what is allowing the water intrusion into the house. It could be a very simple lack of caulk around the threshold causing water intrusion, or the real problem could be something more complex and lot more expensive to really correct. Tough to tell without a very detailed examina...
by jabberwockOG
Mon May 13, 2019 7:28 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1972

Re: Computer issues, fix vs replace

Simple solution. Trash the unreliable crap machine and buy a iMac. More expensive but worth the extra cost, with a iMac having 10x less silly OS hassles and both Apple hardware and software being way more reliable and easy to use over time. I'm a former 30+ year DOS/Windows power user, switched to i...
by jabberwockOG
Sat May 11, 2019 10:32 pm
Forum: Personal Consumer Issues
Topic: What kind of ?contractor? to fix bird holes in soffit/fascia?
Replies: 28
Views: 1278

Re: What kind of ?contractor? to fix bird holes in soffit/fascia?

A siding company typically also does soffit work. But as other have posted you need to understand how birds are getting into the house and find a way to stop it or you will be replacing soffits forever. Maybe the soffit material being used needs to be changed (switch to hardiboard or metal?) or some...
by jabberwockOG
Sat May 11, 2019 7:47 am
Forum: Personal Investments
Topic: Time to fire the financial assistant. Help me with the courage.
Replies: 41
Views: 4079

Re: Time to fire the financial assistant. Help me with the courage.

No need for stress, negative emotion, or angst for you in this type of business conversation unless you allow and/or facilitate it. The conversation requires being polite, professional, and objective/calm and nothing more than that. You are making a change, plain and simple, and you have your reason...
by jabberwockOG
Thu May 09, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1098
Views: 153052

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Hello All - Just in case you were wondering, here are the results of my recent oil analysis. This one was done after I put 4500 miles on the vehicle following the ballyhooed "fix" issued by our duplicitous friends at Honda, Inc. On top of that, I've been exclusively running premium fuel since then....
by jabberwockOG
Tue May 07, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Lost Mail
Replies: 29
Views: 1665

Re: Lost Mail

I mailed two checks to vendors from the PO on April 1st for nominal amounts, $70 and $69. Neither made it to the addressees (one of which is a couple of zip codes away). I stopped payment late April ($32 each!). Called the bank this morning and neither check has hit the account. Question: is there ...
by jabberwockOG
Mon May 06, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7202

Re: Which US city would you move to?

Sadly most of the desirable cities and small towns are growing like crazy. So I'm not saying.
by jabberwockOG
Fri May 03, 2019 1:41 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6051

Re: Car lost acceleration

If you are unable or incapable of finding a shop and mechanic you can trust, then I respectfully suggest you should not be driving older cars. Instead buy a 2-3 year old used car and drive it 5-6 years or until it needs a major repair, then trade or sell instead of repairing, and buy another lightly...
by jabberwockOG
Thu May 02, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 95
Views: 7661

Re: Gardening 2019

Think we are zone 8. We still have a little winter lettuce but most of it has bolted. Lot of mature green onions survived our winter. Pole beans are thick and 6-7 feet high and flowering. Tomatoes are set but still pretty small and green, maybe 2-3 weeks away from first picking. Eggplants are a coup...
by jabberwockOG
Thu May 02, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Car lost acceleration
Replies: 111
Views: 6051

Re: Car lost acceleration

Your issue is too generic and not specific to provide advice. Camry's are extremely common so just about any repair shop that works on "imports" can easily diagnose an acceleration/power loss issue on a Camry. Take it to a local shop and have them diagnose the problem (read the obd codes). Ask for d...
by jabberwockOG
Wed May 01, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car shopping advice (sanity check)
Replies: 56
Views: 5058

Re: Car shopping advice (sanity check)

Take good care of your car and drive it till it blows up or for at least 5 more years. Cars will be changing extremely rapidly in terms of technology over the next 5 years. Hold off as long as possible.
by jabberwockOG
Wed May 01, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 6462

Re: save on interest by paying down mortgage principal

Until you own your home, it is difficult to describe the feeling of 100% owning a nice home/property. Sadly it is a feeling less and less people will ever know because we are a culture that apparently believes being in long term debt is a reasonable way to live. My advice for anyone that can manage...
by jabberwockOG
Wed May 01, 2019 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 15937

Re: What if I Never Buy a House?

It is important to note that you don't just buy a house. When you buy a house you also buy a location, an environment, a neighborhood, your next door neighbors, schools, local businesses, and local measure of safety and incidence of crime. When you rent you also do the same. But I think you in gener...
by jabberwockOG
Wed May 01, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 70
Views: 6462

Re: save on interest by paying down mortgage principal

Until you own your home, it is difficult to describe the feeling of 100% owning a nice home/property. Sadly it is a feeling less and less people will ever know because we are a culture that apparently believes being in long term debt is a reasonable way to live. My advice for anyone that can manage ...
by jabberwockOG
Thu Apr 25, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Tequila and Magaritas
Replies: 122
Views: 13797

Re: Tequila and Magaritas

Lots of clueless comments so far in this thread. :D As an inhabitant of a part of the country where margaritas are a way of life .... Recipe for an high quality margarita: 1) slice a lime in half 2) wet rim of glass with lime and touch to the sal gorda (rock salt) (half rim ... full rim whatever yo...
by jabberwockOG
Wed Apr 24, 2019 7:26 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4211

Re: How to clean a garage?

First sort and weed out the duplicates and items likely never to be used again - do this as previous poster suggested - ".. load it up and take the things (especially if they are tools) to a Habitat For Humanity ReStore or thrift shop. Or ask if a local cause or church you support might have a need ...