Search found 970 matches

by Bogle7
Sun Apr 11, 2021 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Using only Fidelity for Retirement
Replies: 11
Views: 1565

Re: Using only Fidelity for Retirement

All our money is at:
1. Fido - 99% of semi-liquid assets
2. Credit union - DCU.org 1%

I am a strong believer in KISS.
by Bogle7
Sun Apr 11, 2021 9:55 pm
Forum: Personal Consumer Issues
Topic: Simple time tracking/logging tool
Replies: 11
Views: 836

Re: Simple time tracking/logging tool

Take a look at OfficeTime.
I have used for 12+ years.
https://www.officetime.net/
by Bogle7
Sun Apr 11, 2021 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 4935

Re: How much should I overpay?

It's a 4 bedroom house with 3 kids, and 2 of them are sharing a room ... It's not especially uncomfortable now but I think it will start to get that way. You might try some historical perspective. Families in the 1930s with 3 kids in a 1200 sqft house. Somehow, my mother survived/thrived and went o...
by Bogle7
Sun Apr 11, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: The primary factor for picking a College/University is out of pocket cost
Replies: 133
Views: 5233

othery factors for picking a uni

As a parent who sent our daughter to college, I think a purely cost focus is not broad enough. I feel that there are 2 important non-finance aspects to potential schools: 1. Brand name. A "better" brand name (e.g., Stanford) is more helpful to the graduate than a "weaker" (e.g., ...
by Bogle7
Fri Apr 09, 2021 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Retirement Home vs Nest Egg - Your Take?
Replies: 7
Views: 1096

My thoughts are: why does this matter?

Does it matter? I don't even count our house in our net worth. Our semi-liquid retirement assets (mostly stock funds) are $1.95M and our house has a market value of $0.9M. So, our house is 1/2 our nest egg. Or, 1/3 depending on how you measure. But, we only paid $480K for it. Which matters even less...
by Bogle7
Fri Apr 09, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: Definition of one more year (OMY).
Replies: 41
Views: 3715

Seriously?

In other pressing issues.
How many angels can you fit on the head of a pin?

Me, I am more of a one-more-month guy.
by Bogle7
Fri Apr 09, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: Bathroom remodel with no GC?
Replies: 15
Views: 1989

DIY

1. You can do it. It just takes time and energy. 2. Add an electrical outlet behind the toilet for the [some day] washlet. 3. Replace all the plumbing with modern. Either PEX or copper. If copper, read this — https://www.bobvila.com/articles/copper-pipe-types/ 4. Go down to the studs and sub-floorin...
by Bogle7
Thu Apr 08, 2021 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you LOVE your tax professional?
Replies: 19
Views: 1664

LOVE? No

I don’t love my family-owned tax prep firm, but after 40 years I feel quite confident in them.
I am happy to pay them $400/yr.
by Bogle7
Wed Apr 07, 2021 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Job Satisfaction vs Maximizing Income
Replies: 87
Views: 5784

Maximize Income

1. Earn the most money at the youngest age. Your Social Security payout will reflect that.
2. Put as much money as you can into Roth and tIRAs as you at the earliest opportunity.
3. Wake up one morning and realize that you have hit FU money in retirement funds and can do whatever you want.
by Bogle7
Tue Apr 06, 2021 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to determine value and sell old coins, currency
Replies: 11
Views: 1031

Local

I went to a local shop and they did a piece by piece examination.
I was satisfied.
They had good Yelp reviews.
by Bogle7
Tue Apr 06, 2021 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Anyways to improve financial aid?
Replies: 70
Views: 3649

Re: Anyways to improve financial aid?

Look at both the FAFSA and CSS forms and see what is not counted as money available for college.
For example, retirement funds.

Your goal, in your child’s junior year, is to have:
Zero assets (both you and child)
Zero income.

Zero as defined by the forms.
by Bogle7
Sun Apr 04, 2021 10:09 pm
Forum: Personal Consumer Issues
Topic: Deck Levelling- Potential Foundation issues
Replies: 46
Views: 2283

Re: Deck Levelling- Potential Foundation issues

Leveling in Michigan.
Levelling in Britain.
Just saying.
by Bogle7
Sun Apr 04, 2021 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement calculators : missing features
Replies: 17
Views: 2102

Re: Retirement calculators : missing features

My biggest frustration is that you cannot have variable tax rates.
We will be in the 30% marginal bracket (fed + state) for the next 6 years due to Roth conversions.
Then it will be 15% average for 24 years.
by Bogle7
Sun Apr 04, 2021 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Jobhunting after Covid-19 quit
Replies: 35
Views: 4460

Re: Jobhunting after Covid-19 quit

It depends. If the hiring manager is someone who thought Covid was a serious threat, then voluntary quitting should be a non-issue. If the hiring manager is someone who thought Covid was a hoax, then quitting for health reasons is a huge red flag. As someone who had friends of 40 years bury their 33...
by Bogle7
Sat Apr 03, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: Outdoor living space/patio recommendations?
Replies: 22
Views: 2787

Re: Outdoor living space/patio recommendations?

0. After you gather all your ideas into a document along with images, hire a designer. They are way better at this than you. 1. We have a concrete patio and a paver patio. Our next door neighbors have a ceramic tile patio. a. The most important factor in any patio is ground prep. The minimum is comp...
by Bogle7
Fri Apr 02, 2021 9:45 pm
Forum: Personal Consumer Issues
Topic: Good time to sell a car?
Replies: 16
Views: 1125

Yes

Carmax offered $4900 online for our 2007 Audi A3.
Insane. A 14 year old car with 56K miles.
I did not follow through. We are only putting 2K miles per annum on this car.
We plan to buy/lease a BEV in 2023 when, I presume, there will be a decent selection.
by Bogle7
Fri Apr 02, 2021 7:50 pm
Forum: Personal Consumer Issues
Topic: recommendation for an online computer back up plan?
Replies: 9
Views: 562

Backblaze

Backblaze.
Worth the $60/yr in my opinion.
Don’t cheap out, young Boglehead.
by Bogle7
Fri Apr 02, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 53
Views: 3651

Brother works for me

According to this reviewer, there is a page counter in the printer. After a certain number of pages it won't let you print... I just checked the details on my Brother HL-3170CDW printer. Which I paid $180 for. The life page count for the belt is 45,004 pages. The fuser unit and paper handler have h...
by Bogle7
Fri Apr 02, 2021 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3651

Not much

If you are leaving the workforce, then notifying your manager on Friday that you won't be in on Monday is OK.
by Bogle7
Fri Apr 02, 2021 12:07 pm
Forum: Personal Consumer Issues
Topic: New Tool Suggestions
Replies: 31
Views: 2167

Re: New Tool Suggestions

1. When you buy a cordless drill, you are really buying into "a system" as batteries are not interchangeable. So, make sure you are content with the selection from whatever brand you choose. 2. Regarding the table saw. There are models for homeowners and models for pros. Pay close attentio...
by Bogle7
Fri Apr 02, 2021 9:40 am
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3453

Babbel

Some of you may be interest in this deal from Babbel - Babbel Language Learning Lifetime Subscription (All 14 Languages): $199
https://www.macobserver.com/link/babbel ... uages-199/

I have never used Babbel.
by Bogle7
Thu Apr 01, 2021 8:13 pm
Forum: Personal Consumer Issues
Topic: Laser Printer: Buy a New One?
Replies: 53
Views: 3651

Re: Laser Printer: Buy a New One?

GerryL wrote: Thu Apr 01, 2021 5:56 pmLaser printers used to be a lot more expensive.
My first home office color laser printer in 1997 was. $2700 Tektronix.
The cartridges were $700 a set.

I have had Brother lasers for over 10 years and at $300 are throwaways.

Buy this
Brother HL-L3270CDW Compact Wireless Digital Color Printer
by Bogle7
Thu Apr 01, 2021 3:42 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3453

Memrise

The absolute second best way to learn Français is thru the https://afusa.org in your city. But, not cheap. The teachers and methodology are great. For less money https://www.memrise.com works for me. Pro is $30/yr if you start out with the free version and then wait for the 50% discount offer. Renew...
by Bogle7
Thu Apr 01, 2021 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Do you trust the current value of your portfolio?
Replies: 130
Views: 9148

I do

Plug your data into Fidelity's retirement calculator — https://www.fidelity.com/retirement-planning/overview You can do it as a guest. It shows 3 scenari. One is very pessimistic. That scenario subtracts 20% from our portfolio as a starting point. Of course, I also used other models: IORP, cFIREsim,...
by Bogle7
Wed Mar 31, 2021 8:56 pm
Forum: Personal Consumer Issues
Topic: issues with sites that use email as user name?
Replies: 13
Views: 1230

YourDomain.com

Buy your own domain.
My email is first@lastfamily.com
Good forever.
One friend uses lastclan.com
I have 2 friends with first@last.com—pays to have unusual last name.
Consider lastcity.com

Don’t be a cheapskate. A domain costs $15/yr.
You can also free aliases such as firstbogle@
by Bogle7
Wed Mar 31, 2021 12:29 pm
Forum: Personal Consumer Issues
Topic: Can't remove old shower head
Replies: 38
Views: 1869

How to remove old shower head

Time for a bathroom renovation.
Why else have you been frugal?
fsrph wrote: Wed Mar 31, 2021 1:19 pm And if I break the arm connection behind the wall the shower would be unusable.
Giving you the excuse to do a renovation.
by Bogle7
Tue Mar 30, 2021 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Pay cash for a house or not?
Replies: 20
Views: 2933

cash/mortgage ≠ financial decision

At age 62 I paid cash. For "peace of mind".
If I were doing it again at that age, I would have gone for the small mortgage.

It is not really a financial decision.
by Bogle7
Tue Mar 30, 2021 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retire vs resign - Is there a difference?
Replies: 81
Views: 8130

Maybe

gwe67 wrote: Sat Mar 27, 2021 6:18 pmAll retirements are resignations. Not all resignations are retirements.
Not sure about that.
What if you die on the job? Right at your desk, for example. At age 60 say.
You have retired, but you did not resign.
Edge case, I know. Just being picky.
by Bogle7
Tue Mar 30, 2021 11:04 am
Forum: Personal Consumer Issues
Topic: Fidelity Study on Retirement
Replies: 18
Views: 2058

Re: Fidelity Study on Retirement

"I have a plan in place to achieve my goals" This presumes you have goals. Not sure that I have goals. So, I guess I would answer NO. "I have thought about it in great detail" YES. But, I am always 'thinking'. "At what point in the process did you start to relax?" When ...
by Bogle7
Mon Mar 29, 2021 9:50 pm
Forum: Personal Consumer Issues
Topic: How to get rid of palmettos [Palmetto bugs]
Replies: 18
Views: 3031

Re: How to get rid of palmettos [Palmetto bugs]

Move north.
Maybe by hundreds of miles.
The roaches in Toronto are small.
by Bogle7
Mon Mar 29, 2021 3:55 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2833

glass and fans

1) How long have you had showerguard and do you think it has "worked"? 2) Fan: Generally, I've been told to put in the highest CFM fan the ducting will allow - was the panasonic considered to be the best? 1. We had the add-on Showerguard applied as the shower glass was already installed. ...
by Bogle7
Mon Mar 29, 2021 2:14 pm
Forum: Personal Consumer Issues
Topic: High spenders what do you spend on?
Replies: 228
Views: 22289

Love spending money.

Wine (all colors). We keep upping our average cost per bottle.
Food. We buy locally. Meat and seafood.
Travel to Europe.
Charitable giving thanks to QCDs.

Those 4 total $50K/year.
by Bogle7
Mon Mar 29, 2021 1:31 pm
Forum: Personal Consumer Issues
Topic: Bathroom Remodel
Replies: 45
Views: 2833

Essentials for Bathroom Remodel

1. Curbless shower. 2. Schluter Ditra. https://www.schluter.com/schluter-us/en_US/Membranes/Uncoupling-(DITRA)/Schluter®-DITRA-&-DITRA-XL/p/DITRA 3. Electrical outlet behind toilet. Someday, you will want the washlet. Toto 4. Install a towel warmer. If you don't, then pre-wire for it. https://ru...
by Bogle7
Mon Mar 29, 2021 1:24 pm
Forum: Personal Consumer Issues
Topic: INT'L SUMMER TRAVEL (from US)
Replies: 25
Views: 1717

Travel to Europe

Not going anywhere until we have mask-free flying. In business/first class.
Not going until the French are sitting in cafés mask free.
Continuing to put money into the travel bucket.
by Bogle7
Mon Mar 29, 2021 11:41 am
Forum: Personal Consumer Issues
Topic: Preparing For First Homebuying Experience
Replies: 11
Views: 914

Re: Preparing For First Homebuying Experience

I've just got my one credit card In general, I would say that you should have a minimum of 2 cards. One Mastercard and one Visa. If card A is compromised, you can use card B. If card A's network goes down, you can use card B. The most important financial aspects of buying (assuming fair price, etc....
by Bogle7
Mon Mar 29, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: What to do with 20 year old Bosch Dishwasher
Replies: 33
Views: 2311

Start a replacement fund

The most common failures are:
control board
water pump

Neither will damage the house.
Just do "watchful waiting".
by Bogle7
Sun Mar 28, 2021 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Should I quit/retire? Not a financial matter
Replies: 35
Views: 3496

Your helath is important

"Should I quit/retire?"
Yes.

If the company decided the project was not worth it, they would can you in a New York minute.
You owe them nothing.
by Bogle7
Sat Mar 27, 2021 3:57 pm
Forum: Personal Consumer Issues
Topic: From your personal experience, bathroom in finished basement?
Replies: 37
Views: 2725

bathroom in finished basement? - yes

Our basement is 900 sqft. 100 sqft is unfinished (furnace, water heater, etc.) 800 is divided into: * media room - 77-inch TV and seating. Plus extras space for bookshelves. * bedroom (large enough for king-size bed) with closet. * bathroom - full. I say yes . P.S. Don't forget to add the electrical...
by Bogle7
Sat Mar 27, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5777

Re: TV size question

Rdytoretire wrote: Sat Mar 27, 2021 11:44 amIs it possible to over analyze the purchase of a TV?
Not in this forum.
by Bogle7
Fri Mar 26, 2021 2:21 pm
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5777

Re: TV size question

newbie003 wrote: Fri Mar 26, 2021 12:23 pmHere's my final list of options that I've narrowed it down to (yes, I'm well above my original budget in most cases)
Up it again.
LG OLED 77-inch TV $3200
by Bogle7
Fri Mar 26, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8166

better brand name

1. Based upon a sample size of one, I say school with best brand name. My daughter has gotten to the interview stage just because of the name of her Ivy alma mater. 2. Your major does not matter. Her degree is in English and her job is something to do with data. Her father with his engineering degre...
by Bogle7
Fri Mar 26, 2021 11:34 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5777

Re: TV size question

newbie003 wrote: Fri Mar 26, 2021 9:21 am I think I've decided on the Sony X900H: https://www.amazon.com/dp/B084KTQBQT/re ... B0854TYLZB
"I'm trying to keep it around $1k or so, give or take."
Quite a bit of give and take there.
by Bogle7
Thu Mar 25, 2021 9:06 pm
Forum: Personal Consumer Issues
Topic: Digital persona - curating your online presence
Replies: 28
Views: 2076

Re: Digital persona - curating your online presence

No.
I am age 72.
Don’t care about reputation.
by Bogle7
Thu Mar 25, 2021 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Selling home to builder
Replies: 3
Views: 821

Scrapers

This is happening like wildfire in our neighborhood. One junky 1000 sqft house sells for $615K and becomes two duplex units selling for $950K+ each. If you have a good feel for the value of the scraper, then put a sign in the front yard with: developers call me. Save yourself the commission. Hire a ...
by Bogle7
Thu Mar 25, 2021 11:14 am
Forum: Personal Consumer Issues
Topic: son to major in Business, advice on specialization requested
Replies: 60
Views: 2650

Broader is better

Don't specialize. Get the broadest education possible. Learn to think and solve problems. You never know what you might find interesting. You never know what the future will bring. I say this as someone with a generic engineering degree and a generic MBA. Never in my wildest dreams did I think I wou...
by Bogle7
Wed Mar 24, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: Help me DIY bath remodel
Replies: 51
Views: 2915

Re: Help me DIY bath remodel

rebellovw wrote: Wed Mar 24, 2021 7:00 pm'm going for chrome as well and likely Miseno faucets.
Why?
What is the warranty?
What is the history with this UK company in the USA at the consumer level?
by Bogle7
Wed Mar 24, 2021 8:44 pm
Forum: Personal Consumer Issues
Topic: How much are your monthly total subscriptions?
Replies: 37
Views: 1648

Re: A lot

Sandi_k wrote: Wed Mar 24, 2021 8:20 pm Do the New York Times and the Wall Street Journal
I hope you meant $330 per year for just those two....
They are $1334 per year.
Paper on our sidewalk almost 365 days per year. (The Commies at the Journal don't publish on bank holidays.)
by Bogle7
Wed Mar 24, 2021 2:15 pm
Forum: Personal Consumer Issues
Topic: Help me DIY bath remodel
Replies: 51
Views: 2915

Toilet, faucet

Toilet - Toto
also install electrical outlet behind toilet for the washlet you will want some day

Faucet - Delta Arzo

Fan switch with timer

Fan - quiet - Panasonic WhisperGreen
by Bogle7
Wed Mar 24, 2021 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 412
Views: 49432

Staying put

ASpenderInRecovery wrote: Tue Mar 23, 2021 8:11 pm I know we won't live in this townhouse forever, but we won't consider moving again for several years.
So, renovate the kitchen.
Cheaper than moving.
by Bogle7
Wed Mar 24, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: TV size question
Replies: 105
Views: 5777

77

For our basement, we bought a 77-inch LG OLED TV. For us, that was the largest OLED TV we could afford. The 88-inch TV is $30K. We find the TV to be amazing. Very much a home theatre. We sit 7-8 feet away from the screen. We also installed better sound: Yamaha receiver, KEF speakers (5.1). Wow! Dolb...