Search found 493 matches

by MDfan
Tue Sep 01, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7580

Re: Cardio alternatives to treadmills?

Peloton. It has been a game-changer for us. We had a Peloton and I really liked it for the first year. Then I started having pretty constant back pain and my doctor told me that he's had other people who did spin classes alot with the same type of back issues. Something about it being hard to maint...
by MDfan
Tue Aug 25, 2020 6:43 am
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13875

Re: Thoughts on Tennessee

birnhamwood wrote: Mon Aug 24, 2020 6:55 pm Gatlinburg would be nice, IMO.
The area surrounding Gatlinburg itself (the mountains) is really nice. Gatlinburg itself is way, way too touristy. Downtown Gatlinburg, as well as nearby Pigeon Forge, would be awful in my opinion.
by MDfan
Sun Aug 23, 2020 6:59 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11563

Re: Cord cutting 2020 - Youtube TV

From a dollars and cents perspective, cable is cheaper than YTTV. The price hike they recently did made me question if I wanted to switch back. I stayed with YTTV and pay more for a few reasons: 1. It is a superior solution . Everything works perfectly and is seemless. Cable would require an ancien...
by MDfan
Sun Aug 23, 2020 6:57 pm
Forum: Personal Consumer Issues
Topic: Cord cutting 2020 - Youtube TV
Replies: 135
Views: 11563

Re: Cord cutting 2020 - Youtube TV

I am moving soon and I would like this to be the last cable box I own. The problem is I am a live sports fan and I want to keep ESPN and other sports networks. It looks like Youtube TV has what I want in terms of channels. I could use that along with an Amazon Fire Stick. The $65 per month is less ...
by MDfan
Sun Aug 23, 2020 6:45 pm
Forum: Personal Consumer Issues
Topic: Vacationing safely in the era of Covid - How did you do it?
Replies: 124
Views: 9905

Re: Vacationing safely in the era of Covid - How did you do it?

1. Drive your own car with residents of the place you live. 2. Rent a VRBO that has been deep cleansed. 3. Get out in the sun; swim golf tennis hike fish skateboard windsurf run. Rinse/repeat daily. That's what we're doing. Just rented a house for a week in Hilton Head in October. We are driving, w...
by MDfan
Sun Aug 23, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Stuck with expensive mattress I can't return
Replies: 10
Views: 1691

Re: Stuck with expensive mattress I can't return

The best mattress we've ever owned is a Casper and we paid less than $1000 (w/ a promotion). And I have lower back issues and am very picky about my mattresses (been through a number). Have woken up pain-free for about a year now so I hope it lasts. But even if they only last 5 years or so, I'd be m...
by MDfan
Mon Aug 17, 2020 12:48 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 8260

Re: Talk me out of Covid 19 timing

Talk me out of taking all my tax deferred equities and moving them into bonds soon to avoid what I see as a very likely big spike in coronavirus this fall and severe economic hit. Why do see this particular scenario for the fall months? kids going back to school will cause a HUGE spike in cases.......
by MDfan
Sun Aug 16, 2020 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Feds: Reach Number, Stay or Go?
Replies: 38
Views: 4289

Re: Feds: Reach Number, Stay or Go?

I retired the moment I hit MRA, which for me was 60.5. I took the FERS supplement of 75% of age-62 SS and started SS at 62. This was a calculated tradeoff between early retirement while young and healthy, vs more money when I was older and perhaps not so vigorous. I'm currently having some serious ...
by MDfan
Fri Aug 14, 2020 8:29 pm
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11642

Re: Moving to Cash?

How old are you? Are you in retirement? Those are important questions to answer. I am 40, hope to "retire" at 55 100% cash is dumb. You know this. You have 1500 posts on this board. Go 50/50 and stop worrying about the market. 50/50 and you're never wrong. Market is going up... you own so...
by MDfan
Fri Aug 14, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: College
Replies: 25
Views: 2396

Re: College

Leases at our son’s school are signed in the fall almost a full year before moving in. The leases are pretty airtight, no getting out of them unless you can find someone to sublease and with the majority of classes online, the sublease market is flooded. Our choice was pay for an empty apartment ke...
by MDfan
Fri Aug 14, 2020 6:43 am
Forum: Personal Finance (Not Investing)
Topic: College
Replies: 25
Views: 2396

Re: College

My daughter is already at school, living in her apartment, ready to take classes primarily online. Never even considered a gap year.
by MDfan
Tue Aug 11, 2020 11:39 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11642

Re: Moving to Cash?

Dow is 28,000, with an all time high pre corona virus of 29,000, it seems irrational to have the Dow only 3ish% off the all time high with so many unemployed, no end to corona in sight, rising national debt, retail is a mess, real estate especially commercial is a mess. I am thinking it is best to ...
by MDfan
Mon Aug 10, 2020 5:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 2491
Views: 254367

Re: [What TV Show Have You Recently Watched?]

Just finished Dark season 1 (Netflix). The dubbing is awful, but the script, acting, and production make up for it. If you combined a soap opera with Lost, and sprinkle some Donnie Darko in there, with more planning and thought, you'd come up with this series. I just started it and am through episo...
by MDfan
Mon Aug 10, 2020 5:42 pm
Forum: Personal Consumer Issues
Topic: Do not call
Replies: 25
Views: 3420

Re: Do not call

Mr.Chlorine wrote: Mon Aug 10, 2020 2:23 pm
000 wrote: Mon Aug 10, 2020 1:39 pmCut the cord.
+1

Get rid of the landline and start blocking numbers on your cellphone.

Was a lifesaver for us. Haven't missed the landline one bit and it's been 2 years.
by MDfan
Mon Aug 10, 2020 8:39 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

I suggest you go to the library and look at Consumer Reports 2020 Buying Guide. L.G. and Kenmore seem to dominate the "reliability" category, but it depends upon specific model. Whirlpool is middle of the pack. Zero in on model and features that are important to you, and go from there. Al...
by MDfan
Mon Aug 10, 2020 6:32 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

I’d never buy another Whirlpool fridge for as long as I live. Bought one, four mi this later the compressor died. Replacement a year and half later had the same thing. That kind of makes my point from above about every manufacturer making some lemons. I've heard the same stories about LGs.Samsungs ...
by MDfan
Sun Aug 09, 2020 7:28 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

I respectfully disagree with several posters saying that Bosch is good appliance product. I could NOT disagree more. For a kitchen remodel, we purchased all Bosch appliances 7 years ago. In first 18 months the frig failed compressor, major coil coolant leak, and ice maker. Thank god, I purchased an...
by MDfan
Sun Aug 09, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

With regards to getting rid of your old fridge, sometimes you can post in Craigslist for the scrappers to pick up. We've done that with some apartments we own...one time a pretty sketchy guy came by himself to move a full size fridge from a second floor apartment but it makes for some fun stories! ...
by MDfan
Sat Aug 08, 2020 1:54 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

Good suggestions, but we're not Costco members and don't really have one that close to us. The one we are buying is in stock. Also 10% back in Best Buy rewards for opening up a credit card so that's a nice bonus.
by MDfan
Sat Aug 08, 2020 1:35 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

Thanks for the responses. I think we're going to go with Whirlpool. Same here - 3 year LG died - failed compressor - part was covered, but it was $700 just for labor. :shock: Just bought a whirlpool. Hope you have better luck with choice - I wanted to go thru costco or sam's for extended warranty, ...
by MDfan
Sat Aug 08, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

Thanks for the responses. I think we're going to go with Whirlpool.
by MDfan
Fri Aug 07, 2020 8:14 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

Re: New refrigerator

Thanks. The one at the top of our list is a Whirlpool.
by MDfan
Fri Aug 07, 2020 7:24 pm
Forum: Personal Consumer Issues
Topic: New refrigerator
Replies: 36
Views: 2744

New refrigerator

We have a 7-year old LG French door refrigerator that has stopped making ice and has stopped freezing food. Repair guy said that there is likely a "sealed system" issue or leaking evaporator (he said there's only 12% frost coverage on evaporator but I don't quite know what that means). Any...
by MDfan
Fri Aug 07, 2020 6:37 am
Forum: Personal Finance (Not Investing)
Topic: College tuitions and how to help our daughter pay them
Replies: 85
Views: 5056

Re: College tuitions and how to help our daughter pay them

Hi, Our daughter got admitted to college next year and we are trying to figure out how to pay the tuitions. She wants to become a vet, so it's close to 8 years (when she is in vet school after 4 years, she could be paid). She got a $5500 FASFA loan and a scholarship ($1000) which leaves her having ...
by MDfan
Tue Aug 04, 2020 7:32 pm
Forum: Investing - Theory, News & General
Topic: Are Financial Advisors a Complete and Total Waste of Money?
Replies: 153
Views: 9536

Re: Are Financial Advisors a Complete and Total Waste of Money?

Is hiring someone to do lawn work a complete and total waste of money? How about a bathroom remodel? New flooring? Answer: it depends. For financial advisors, just hire a fee-only advisor. Pay for his or her time, not a percentage of your assets under management. That's what we've done. We pay for ...
by MDfan
Tue Aug 04, 2020 6:53 pm
Forum: Investing - Theory, News & General
Topic: Are Financial Advisors a Complete and Total Waste of Money?
Replies: 153
Views: 9536

Re: Are Financial Advisors a Complete and Total Waste of Money?

Is hiring someone to do lawn work a complete and total waste of money? How about a bathroom remodel? New flooring? Answer: it depends. For financial advisors, just hire a fee-only advisor. Pay for his or her time, not a percentage of your assets under management. That's what we've done. We pay for ...
by MDfan
Sat Jul 25, 2020 6:59 am
Forum: Personal Investments
Topic: Is federal long term care insurance worth it?
Replies: 25
Views: 1962

Re: Is federal long term care insurance worth it?

I am a federal employee and did a comparison of the Fed program with some private insurance a few years ago. We found a couple of private policies that we believed were better deals (including Mutual of Omaha and Mass Mutual). The federal program had a significant rate increase a few years back. We ...
by MDfan
Fri Jul 24, 2020 11:51 am
Forum: Personal Consumer Issues
Topic: Just Ordered Peloton Bike
Replies: 194
Views: 19373

Re: Just Ordered Peloton Bike

The Peloton is much smoother. I can't explain it but it is just a smoother ride. It really is. A friend has one of the cheaper bikes. There really is no comparison in the ride. I realize not everyone is going to shell out $2,000+ for Peloton but I've found it to e well worth it. We've had ours for ...
by MDfan
Thu Jul 23, 2020 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9640

Re: Deciding whether to retire - it's difficult!

I would time it so you retire together. While you still have your health. With no kids, if you retire and your wife keeps working, then you are a stay at home husband with no kids. It sounds like you have enough to retire now. You really have to think about Now to 65 (Medicare) for each, then when ...
by MDfan
Wed Jul 22, 2020 6:45 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9640

Re: Deciding whether to retire - it's difficult!

If anything, the pandemic is the reason I'm not waiting past 60. Could you expand on this a bit? I don't understand the connection between the pandemic and 60... Because I have decided life is too short and I don't want to wait until 62. And we are financially able to do so. I'll take a little less...
by MDfan
Wed Jul 22, 2020 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9640

Re: Deciding whether to retire - it's difficult!

If anything, the pandemic is the reason I'm not waiting past 60. Could you expand on this a bit? I don't understand the connection between the pandemic and 60... Because I have decided life is too short and I don't want to wait until 62. And we are financially able to do so. I'll take a little less...
by MDfan
Tue Jul 21, 2020 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Deciding whether to retire - it's difficult!
Replies: 77
Views: 9640

Re: Deciding whether to retire - it's difficult!

Do you hate your job or is it just the 50+ hours that is the issue? I would not retire until the pandemic is over and there is more clarity on the economy. Is every Boglehead this wealthy such that things are still uncertain economically even with 5 million dollars at age 60 with a wife still makin...
by MDfan
Mon Jul 20, 2020 6:34 pm
Forum: Personal Consumer Issues
Topic: Cut cable experience
Replies: 34
Views: 2754

Re: Cut cable experience

For a contrarian view, I am an otherwise frugal boglehead who happily pays for cable, Hulu, netflix, Apple plus, and Amazon Prime. Thanks to Covid I have 5 people living in my house and the total bill is pretty cheap entertainment for 5 people for a month when you look at it. I know people who spen...
by MDfan
Sat Jul 18, 2020 6:07 am
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6556

Re: Anyone else love this new working from home thing?

Absolutely love it. Hoping it continues until close to my retirement date in 10/21. I work in a small federal office and don't need any of the retirement hoopla. Just an email to say goodbye and then move on with the important things in life. Work being far down that list for me.
by MDfan
Sun Jul 12, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420956

Re: What Movie Have You Recently Watched?

I couldn't even make it through the entire trailer. Rap "music" ? Was the entire show really like that? You may want to expand your horizons a little. It is really well done. And I am by no means a fan of "rap" music. With my college degree in music, my "horizons" are ...
by MDfan
Sun Jul 12, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420956

Re: What Movie Have You Recently Watched?

Added Disney+ to watch Hamilton. Incredible! I expect we'll watch again in the next few days. I couldn't even make it through the entire trailer. Rap "music" ? Was the entire show really like that? You may want to expand your horizons a little. It is really well done. And I am by no means...
by MDfan
Sun Jul 12, 2020 1:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420956

Re: What Movie Have You Recently Watched?

"Watched Hamilton as well. We liked it and it was very well done. But I'm very glad I didn't spend many hundreds of dollars for tickets." We bought Hamilton tickets for $40 each on the TodaysTix app. Wonderful cast in San Francisco. You might want to try it before ever spending "hund...
by MDfan
Sun Jul 12, 2020 12:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420956

Re: What Movie Have You Recently Watched?

Added Disney+ to watch Hamilton. Incredible! I expect we'll watch again in the next few days. I couldn't even make it through the entire trailer. Rap "music" ? Was the entire show really like that? You may want to expand your horizons a little. It is really well done. And I am by no means...
by MDfan
Sun Jul 12, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6226
Views: 1420956

Re: What Movie Have You Recently Watched?

Uncut Gems , on Netflix. ... You were lead on by the main character doing things that you wouldn't expect. I almost turned it off several times, but I stuck through to the end. You’re a tougher person than I am. I found the frenetic pace and anxiety too contagious for my sensibilities. Turned it of...
by MDfan
Thu Jul 09, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Tom Clancy series book recommendations
Replies: 29
Views: 1958

Re: Tom Clancy series book recommendations

One of my favorite spy/thriller books of all time is by Allan Folsom. It really was one of those where I couldn't put it down once I started reading.

https://www.google.com/books/edition/Th ... frontcover
by MDfan
Tue Jul 07, 2020 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6275

Re: Who has long term care insurance?

Mutual of Omaha. Had it for over 5 years. Premiums have remained constant. We also had Mutual of Omaha. Premiums for 2 (ages 59 and 56) was about $3100 total. We had the police for a couple pf years (no increases) but decided not to renew on advice of our fee-based planner. He said we could easily ...
by MDfan
Tue Jul 07, 2020 8:00 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47847

Re: College in fall

I just read that Harvard is going online for the fall semester, it seems like the first domino to drop among the elite universities. My guess is the rest will follow suit in the next two weeks. I feel sorry for the kids that got off campus apartments thinking they would be going back to in person l...
by MDfan
Tue Jul 07, 2020 7:34 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47847

Re: College in fall

I just read that Harvard is going online for the fall semester, it seems like the first domino to drop among the elite universities. My guess is the rest will follow suit in the next two weeks. I feel sorry for the kids that got off campus apartments thinking they would be going back to in person l...
by MDfan
Mon Jul 06, 2020 11:28 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17652

Re: YoutubeTV subscription now $64.99/month

YouTube TV = sports fan dream! But, since the [(removed) --admin LadyGeek] has shutdown sports, count me among those who cancelled. I can upgrade my OTA antenna setup nicely for $64.99/mo saved to keep the major networks and PBS. I agree about the sports thing. YTTV has the perfect combination and ...
by MDfan
Mon Jul 06, 2020 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6275

Re: Who has long term care insurance?

May I ask who the carrier is and any other details you would be comfortable in sharing? Mutual of Omaha. Had it for over 5 years. Premiums have remained constant. We also had Mutual of Omaha. Premiums for 2 (ages 59 and 56) was about $3100 total. We had the police for a couple pf years (no increase...
by MDfan
Sat Jul 04, 2020 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Who has long term care insurance?
Replies: 119
Views: 6275

Re: Who has long term care insurance?

May I ask who the carrier is and any other details you would be comfortable in sharing? Mutual of Omaha. Had it for over 5 years. Premiums have remained constant. We also had Mutual of Omaha. Premiums for 2 (ages 59 and 56) was about $3100 total. We had the police for a couple pf years (no increase...
by MDfan
Fri Jul 03, 2020 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Share your budget
Replies: 152
Views: 10369

Re: Share your budget

runner3081 wrote: Thu Jul 02, 2020 8:11 pm
mortfree wrote: Thu Jul 02, 2020 5:13 pm The true barometer of a good budget is the cell phone bill?

I pay $30 per month.

You?
3 phones here and $9.00 per month.
3 phone lines, too. But I pay about 12-15 times $9.
by MDfan
Fri Jul 03, 2020 7:22 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17652

Re: YoutubeTV subscription now $64.99/month

The price increase sucks, but it's still much better than paying for cable and boxes, DVRs, etc. I don't have much problem keeping YTTV because I Iike their channel lineup and their interface. $15 a month is not going to break us and it's just an entertainment expense. We also pay for HBO, Netflix a...
by MDfan
Thu Jul 02, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: does anyone have a subscription to youtube tv?
Replies: 118
Views: 8093

Re: does anyone have a subscription to youtube tv?

We're keeping YTTV as well. Still about $80 less than what we were paying for cable and it has the perfect mix of channels for me. I can stomach $64.99.
by MDfan
Wed Jul 01, 2020 6:41 am
Forum: Personal Finance (Not Investing)
Topic: College in fall
Replies: 549
Views: 47847

Re: College in fall

Anyone believe that college in the fall will be anything other than online learning? The amount of spread seems uncontrollable . I think that money will rule and lots of kids will go back. I have little doubt that many universities will start with face-to-face instruction, but most will likely reve...