Search found 3132 matches

by lthenderson
Tue Feb 24, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 22707

Re: How much did you have saved up for retirement at age 30?

Saving and learning about all this at 28, I'd say you're doing fine and you're probably well ahead of most 28 year olds out there. Heck, I would say he is doing better than a lot of 40 year old people out there. When I left my job, most of my peers in their 40's essentially had nothing saved outsid...
by lthenderson
Tue Feb 24, 2015 10:00 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 22707

Re: How much did you have saved up for retirement at age 30?

$103k in today's dollars. By 40 I retired but I took the business ownership path to do that. I remember really sweating it back then how I was ever going to make enough money to retire like what I wanted to retire and wasn't even considering retiring early. I was unhappy with my job and started job ...
by lthenderson
Tue Feb 24, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Any suggestion on Patio furniture and lanscaping
Replies: 9
Views: 1399

Re: Any suggestion on Patio furniture and lanscaping

I just completely relandscaped the front of our house last fall. I think I ended up with 24 tons of river bottom dirt and 8 tons of river rock not to mention about $500 in plants. We got lots of quotes but most of them were around $10k and up to do everything lock stock and barrel. Since I had the t...
by lthenderson
Mon Feb 23, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Help with selling and clean out of older relative's home
Replies: 19
Views: 2772

Re: Help with selling and clean out of older relative's home

I would advise to rent a dumpster, enlist some help from family and friends and do it yourself. Having had to do this with a great uncle, who could have easily starred in the show Hoarders, it would have been easy just hire somebody to throw everything out the door and be done with it. But as I sift...
by lthenderson
Mon Feb 23, 2015 3:30 pm
Forum: Personal Consumer Issues
Topic: Aprilaire Humidifer - won't get above 22%
Replies: 18
Views: 6768

Re: Aprilaire Humidifer - won't get above 22%

I get this which is why I wasn't concerned at -14 degrees, but thought a weekend at 29 should have been higher. The chart you link to suggests 40% for 30 degrees. I never let ours get about 40% at the highest, regardless of temperature. One other thing that you might check. The first filter I put i...
by lthenderson
Mon Feb 23, 2015 3:16 pm
Forum: Personal Consumer Issues
Topic: Retirement - Surprises, Solutions
Replies: 30
Views: 4915

Re: Retirement - Surprises, Solutions

The one thing that really surprised me was how long it took to forget about work. Before I left, I assumed that I would just walk out the door and never look back. In reality, I spent many nights dreaming about work and the stresses involved. I would say it took me two or three months before those s...
by lthenderson
Mon Feb 23, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 17599

Re: What % of your gross income do you spend on mortgage/ren

0.55%

I would have paid it off long ago but I'm only paying 3.125% interest on the loan and I'm doing much better than that in the market.
by lthenderson
Mon Feb 23, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Saving home movies: what medium/format?
Replies: 9
Views: 1095

Re: Saving home movies: what medium/format?

I had a whole bunch of home movies converted over to DVD from 8mm. Once home, I uploaded them onto my computer and made sure they were backed up onto the cloud service that I am a subscriber too. Now if my entire home goes up in smoke, I still have all my pictures and home movies. I wouldn't worry t...
by lthenderson
Fri Feb 20, 2015 12:37 pm
Forum: Personal Consumer Issues
Topic: Pick-Pockets
Replies: 63
Views: 7786

Re: Pick-Pockets

Never worried about it here in the States but do when overseas. I usually keep my cards and extra cash in my sock after having heard of others who lost their money belts in muggings. I only keep what I need for the day in my front pocket and try to keep a hand on it at all times. Another thing I lik...
by lthenderson
Fri Feb 20, 2015 12:21 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon
Replies: 34
Views: 3702

Re: Grand Canyon

Thinking of a early to mid March trip to Grand Canyon. Unfortunaly, only the South Rim and Grand Canyon Village are open at this time of year. Based on your travel experiences to the GC, would it be worth it to do the trip for the south rim alone or just wait until May for the North Rim? Thanks. If...
by lthenderson
Fri Feb 20, 2015 12:11 pm
Forum: Personal Consumer Issues
Topic: my savings account is high risk!
Replies: 17
Views: 1981

Re: my savings account is high risk!

With the money sitting there, I find myself browsing new cars online every once in awhile... Sure, common sense kicks in eventually. That makes you a Boglehead in my opinion. So many of my friends who aren't of that mentality never have the common sense kick in. That is why they are still working a...
by lthenderson
Fri Feb 20, 2015 12:08 pm
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 5150

Re: Poll: Largest fraudulent charge to your credit card(s)?

The three times I've had fraudulent charges, they have been for less than $40 each and almost all of them were for monthly fees to some website that I had never heard. However, I've never had any problems getting refunded the money and new cards issued. What was really tiresome is that I shop at Tar...
by lthenderson
Wed Feb 18, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 7219

Re: Genealogy

I am running into the problem of older relatives who, when they do not know something, seem to be making things up. I've run into this numerous times but I believe that most of them sincerely believe what they are telling me. I look at it like the old game of telephone where one person says somethi...
by lthenderson
Mon Feb 16, 2015 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 12543

Re: Expecting a big inheritance - Should it change my life?

So, I'm looking for thoughts about what I should do both before I get the inheritance and after? As other's have said, don't count your chickens before they hatch. I had a childless aunt and uncle who always told me that my brother and I were be the sole beneficiaries of their multi-million dollar ...
by lthenderson
Mon Feb 16, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Is there any reason to move money from 401k?
Replies: 38
Views: 3150

Re: Is there any reason to move money from 401k?

The biggest disadvantage to leaving it assuming the fees aren't high, is that you can't do anything to it. Should you need to sell or move some to re-balance your portfolio, you are out of luck. Once I discovered Bogleheads and Vanguard, it became a no brainer to roll it over to my Vanguard account ...
by lthenderson
Mon Feb 16, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 7219

Re: Genealogy

Do any Bogleheads with personal experience with this have any suggestions about the process? I thought of one other thing that has returned me many dividends over the years. I have been someone who keeps an online blog for the past 14 or so years. In the course of those years, I have blogged about ...
by lthenderson
Mon Feb 16, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 7219

Re: Genealogy

Do not enter your information into online genealogy tools. Do not use genealogy software that connects to the internet to search for information for you. Can you expound upon this? I am in complete agreement of keeping your information in a pure form in some genealogical tree program on your hard d...
by lthenderson
Mon Feb 16, 2015 9:39 am
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 7219

Re: Genealogy

Two of my relatives called my great grandfather by completely different names, so I am beginning to realize just how spotty memory can be. I've found this out to be the case numerous times. Sometimes is has been a problem of how I understood what they were saying. This especially becomes true when ...
by lthenderson
Sun Feb 15, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Cost of a car paint job?
Replies: 19
Views: 19263

Re: Cost of a car paint job?

Here in redneck land, I see quite a few cars where people just go to the spray paint section of their local store, stock up, go home and get their artist side on. Lots go the camo route but I've seen others that paint other things on their old beaters. If you are going for original looks though, I d...
by lthenderson
Sun Feb 15, 2015 6:08 pm
Forum: Personal Consumer Issues
Topic: Genealogy
Replies: 72
Views: 7219

Re: Genealogy

When I got into Genealogy and started asking my family questions, many were hesitant to elaborate on things for various reasons. I got started on Ancestry.com which got me to the point I am today years later where I'm taking trips to comb through unscanned archives of libraries and courthouses for m...
by lthenderson
Fri Feb 13, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 2225

Re: How do you rent new release movies?

I have Netflix and normally get a movie within a week of its release date if it is at the top of my list. I also have the 1 at a time plan and have heard that if you get one of the multiple movies at a time plan that they sometimes throttle you by not sending you new releases right away. I suppose ...
by lthenderson
Fri Feb 13, 2015 2:18 pm
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 2225

Re: How do you rent new release movies?

Is there usually a wait on the Netflix DVD queue for new releases? I have Netflix and normally get a movie within a week of its release date if it is at the top of my list. I also have the 1 at a time plan and have heard that if you get one of the multiple movies at a time plan that they sometimes ...
by lthenderson
Fri Feb 13, 2015 2:12 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 10118

Re: I'm not a bad Boglehead [buying Powerball ticket]

I just read that it would 2057 people placing bets at 20 per minute (5 per card, four cards a minute) in the time between drawings to achieve this. The article also listed two things I didn't think about. Besides the jackpot, you would win around $63,000,000 in additional prizes from the non-jackpot...
by lthenderson
Fri Feb 13, 2015 2:02 pm
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 10118

Re: I'm not a bad Boglehead [buying Powerball ticket]

Aren't the odds of winning independent of the size of the jackpot? There is always the same number of possible combinations. She probably meant her chances are better of not sharing it with other people should she win. If somehow you could guarantee that you didn't have to share the ticket, you cou...
by lthenderson
Fri Feb 13, 2015 1:46 pm
Forum: Personal Consumer Issues
Topic: Dealing with Contractors
Replies: 9
Views: 1090

Re: Dealing with Contractors

All I know is he told me the railing itself will cost about 100-150 dollars. After labor any everything I assume Ill be paying 400-700 but no idea. Railing is only 6 feet so a small project for a contractor. Don't assume anything when dealing with contractors. I've seen many disputes where the owne...
by lthenderson
Wed Feb 11, 2015 9:40 am
Forum: Personal Consumer Issues
Topic: I need a recommendation for a pressure washer.
Replies: 26
Views: 8256

Re: I need a recommendation for a pressure washer.

Yep. Less than 2000 psi won't cut it for cleaning concrete and stone unless you get the nozzle right up close and go very slowly. I'm in the market too. What would you recommend for psi rating to clean concrete effectively without spending all day? I also want to use it to clean deck, house and cars.
by lthenderson
Wed Feb 11, 2015 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 2334

Re: Where to put money gifted to infant son?

As long as your son is a minor, you can cash his check into any of your accounts you please. Some banks may require you do so in person with a birth certificate showing that you are his parent. I have my kids listed with my bank account so I don't need this step and can do electronic deposit. I do ...
by lthenderson
Tue Feb 10, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Home Buying the Boglehead Way (1st Time Buyer)
Replies: 46
Views: 8550

Re: Home Buying the Boglehead Way (1st Time Buyer)

Lots of good advice above but here is one that I've learned that I didn't see anyone else mention. After you find the house you want to make an offer on, assuming it isn't in a hot market where it could sell in hours, drive to it after dark and sit in front with your windows down for awhile. A coupl...
by lthenderson
Tue Feb 10, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money gifted to infant son?
Replies: 14
Views: 2334

Re: Where to put money gifted to infant son?

I am not even sure how I would go about depositing the check as it's made out to my son and he doesn't have a checking or savings account! As long as your son is a minor, you can cash his check into any of your accounts you please. Some banks may require you do so in person with a birth certificate...
by lthenderson
Tue Feb 10, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: LED Shop light
Replies: 10
Views: 1009

Re: LED Shop light

If I had a dollar for 4' bulb I have broken in my garage over the years by moving wood, ladders, etc. around, I would be a few dollars richer. I would go for a new light fixture and bulb. I had the fluorescent kind in my garage until this spring. I never liked them because the were slow to warm up w...
by lthenderson
Mon Feb 09, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Car issues. [2009 Cadillac CTS - fix or sell]
Replies: 56
Views: 8464

Re: Car issues. Would like some Boglehead insight please.

Should I continue to work towards paying off the car with potential large repair costs looming or should I jump ship and trade in / sell? Lemon laws cover private sales of cars and this is a known problem that will legally have to be reported to any buyers of your vehicle. Assuming you don't want t...
by lthenderson
Mon Feb 09, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Re: Boston Must See Sites and Bites

By the time you visit, the Constitution will have moved from its usual berth to the dry dock next to the Constitution Museum for a major refit. All of the upper masts and yards will have been removed, but it is expected that the ship will still be open for tours. The dry dock itself is historic, th...
by lthenderson
Mon Feb 09, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Deleted.
Replies: 24
Views: 4011

Re: Budget for family of 4

Budgets are kind of personal and depend on the person. What I might consider essential might be a need for you and vice versa. It's hard for me to tell you where to cut since I don't know what are needs and what are wants for you. Creating a budget is a step in the right direction to answering your ...
by lthenderson
Mon Feb 09, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 12384

Re: How to make this fair: gifting to kids with different me

I'm kid A and my brother is kid B. My parents wanted to help my brother out with a significant gift once but they sat down with me to explain their reasoning first and making sure I was okay with it. I think I was in my 20's at the time. I was happy to agree with them because I didn't need the money...
by lthenderson
Mon Feb 09, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Worth Upgrading to LED Lighting?
Replies: 70
Views: 10359

Re: Worth Upgrading to LED Lighting?

Back when I had incandescents, I once counted over 40 light bulbs in the house. It seemed like once a week I was replacing a light bulb or two here or there. Since I've switched over to LED's, I couldn't tell you when the last time I changed a light bulb. At least a couple years or more. Just that m...
by lthenderson
Mon Feb 09, 2015 9:57 am
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 5781

Re: Which light bulbs are best bang for the buck?

I went to CFL's but quickly discovered that they play heck on me listening to AM radios when they are on. Plus they have a slow response time which I dislike along with mercury. I've switched to LED's in just about everything except for my outdoor flood lights. I would switch them too if I could fin...
by lthenderson
Mon Feb 09, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Re: Boston Must See Sites and Bites

Thanks everyone for their wonderful suggestions. I will be there April 27 through May 1 and fly out May 2. I think with this list, I have more than enough to keep me busy. Right near where you are staying, on Tremont St, is a small cemetery in the middle of the city called the Granary Burying Ground...
by lthenderson
Fri Feb 06, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: Preventing Ice Build up in my roof gutters
Replies: 23
Views: 3299

Re: Preventing Ice Build up in my roof gutters

We bought a house two and a half years ago and during the last two winters, we had lots of troubles with ice dams and occasionally, enough that we had a leak in our kitchen. I spent lots of time with a hammer breaking ice all winter which solved the problem but wasn't pleasant. This summer I replace...
by lthenderson
Fri Feb 06, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Re: Boston Must See Sites and Bites

Thanks everyone for their suggestions. I need to research through them but many of them sound like something I would like to go too. Cheers bar (from the TV show) is along the northern end..I’d advise to avoid it, unless you are obsessed. As a pub it sucks. It’s just a tourist trap. I kind of figure...
by lthenderson
Fri Feb 06, 2015 10:06 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Re: Boston Must See Sites and Bites

Durgin Park for traditional area food and 'service'. There has been a restaurant at that location for 270 years. https://en.wikipedia.org/wiki/Durgin-Park The Quincy market is a nice shopping area and it's on the Freedom Trail. That definitely sounds unique, something I wouldn't find here in the ru...
by lthenderson
Fri Feb 06, 2015 10:04 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Re: Boston Must See Sites and Bites

Petrocelli wrote:I would recommend Legal Seafood and, of course, a tour of Fenway Park if you are a baseball fan.
Love seafood so Legal Seafood sounds like a great place for me. Not much of a baseball fan but I understand the history of Fenway so may have to do that too. Thanks for the suggestions!
by lthenderson
Fri Feb 06, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: Fiber to the home neigborhoods
Replies: 3
Views: 721

Re: Fiber to the home neigborhoods

I would just do a google search on fiber optic projects in Colorado. See what you find. Three years ago I lived in a town that had fiber optics to the home including mine which I had installed. I never realized how good I had it until I moved 20 miles away to another town that doesn't have it. The t...
by lthenderson
Fri Feb 06, 2015 9:42 am
Forum: Personal Consumer Issues
Topic: Boston Must See Sites and Bites
Replies: 51
Views: 4666

Boston Must See Sites and Bites

My wife has a conference in downtown Boston this April and will be spending a week there and thus by extension, so will I. While she is attending talks all day, I plan to be walking around and seeing what there is to see in Boston, my first time to visit the city. I love reading out U.S history so I...
by lthenderson
Thu Feb 05, 2015 10:30 am
Forum: Personal Consumer Issues
Topic: Advice on Selling Car with Manual Transmission?
Replies: 30
Views: 4766

Re: Advice on Selling Car with Manual Transmission?

I drive a 17 year old Honda Civic with manual transmission and I get several offers a year from people who want to buy it. I think there is a huge market out there for old fuel efficient cars (manual transmissions are more efficient) thanks to Cash for Clunkers. I don't want to sell it however becau...
by lthenderson
Thu Feb 05, 2015 10:12 am
Forum: Personal Consumer Issues
Topic: Sellers Won't Fix Leaking Roof; Fear of Additional Damage
Replies: 58
Views: 10074

Re: Sellers Won't Fix Leaking Roof; Fear of Additional Damag

I'm a little late to the conversation but congratulations on your new home. I wouldn't worry about leaks. I've had a number of them over the years and once you get the roof fixed, they are fairly easy to fix. Strip the drywall in the area, remove the insulation, bleach the wood to remove mold and re...
by lthenderson
Thu Feb 05, 2015 9:48 am
Forum: Personal Consumer Issues
Topic: How do we ship a china cabinet?
Replies: 14
Views: 2034

Re: How do we ship a china cabinet?

There used to be a reality show about some people who worked for U Ship that does this sort of thing. You put pictures of your item online along with dimensions and they bid on the job. You can select whichever bidder you like based on their bids and rankings. www.uship.com is the website.
by lthenderson
Tue Feb 03, 2015 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Home Remodel
Replies: 7
Views: 1566

Re: Home Remodel

We pay cash for all home remodeling projects. I have also learned from hard experience that there is no certainty of getting any money you put into your house back. Thus I look at it this way when deciding what to spend money on. I spend money on what makes the house comfortable for me and knowing I...
by lthenderson
Tue Feb 03, 2015 10:04 am
Forum: Personal Finance (Not Investing)
Topic: [Poll] Company & Job Longevity
Replies: 24
Views: 2597

Re: [Poll] Company & Job Longevity

I was an engineer and outlived three companies. The first one closed down U.S. operations and rely only on foreign operations which wasn't an option so I chose the company exists but position is no longer there. The second company is completely gone. The third one still exists but no longer has insi...
by lthenderson
Tue Feb 03, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: 3 must have car safety/'Convenience safety' features
Replies: 36
Views: 3921

Re: 3 must have car safety/'Convenience safety' features

I voted for the backup camera, navigation and additional airbags but like others said, I wouldn't spend additional money for any of them. I still drive my 18 year old manual transmission civic that I paid $11,500 cash for new and don't plan to trade it anytime soon.
by lthenderson
Fri Jan 30, 2015 11:21 am
Forum: Personal Consumer Issues
Topic: Disputing A Fraudulent Credit Card Charge
Replies: 18
Views: 2070

Re: Disputing A Fraudulent Credit Card Charge

I've had two fraudulent charges in ten years. Both times I was using a Citibank Mastercard and I just called them up, said the charge wasn't mine. They never questioned me, took the charge off my statement and sent me a new card in the mail. I've never owned a Discover card and based off this experi...