Search found 988 matches

by Bogle7
Sun Apr 18, 2021 9:47 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 17
Views: 1113

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

Copper
Easy on the west and gradually more difficult as you move east.
20+ years experience there.

Breck is also very good.
Has real town.

I am a Colorado bigot.
by Bogle7
Sat Apr 17, 2021 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 113
Views: 6579

Kaiser, before and after

Right now I have a Platinum ACA plan with Kaiser, which while very expensive, has worked out very well for me... However with Medicare it seems Kaiser only offers Medicare Advantage. Are folks with Kaiser Medicare Advantage happy with it? 1. Here is the link to Kaiser Colorado's Medicare Advantage ...
by Bogle7
Sat Apr 17, 2021 11:12 am
Forum: Personal Investments
Topic: No Bonds - How risky am I?
Replies: 41
Views: 3218

No Bonds is OK

Ages 72/63 $1.96M in retirement funds. House is owned. It felt good to not have a mortgage. Hindsight says we should have kept money in market. Oh, well. 86% low-cost stock index funds 10% bonds, but I view them as cash paying a tiny bit of interest. The bonds will go to zero as we do Roth conversio...
by Bogle7
Fri Apr 16, 2021 9:23 pm
Forum: Personal Consumer Issues
Topic: Kraftmaid Cabinets and Home Depot - Price confusion
Replies: 5
Views: 827

Forget Kraftmaid Cabinets

Go with a small local custom cabinet maker.
We did for our kitchen remodel in 2017.
by Bogle7
Fri Apr 16, 2021 9:20 pm
Forum: Personal Consumer Issues
Topic: Selling house in 2 yrs: what should I spruce up?
Replies: 14
Views: 1657

spruce is the appropriate term

Today.
Landscaping— as growth takes time.

Everything should be left to the last minute so it is fresh.
by Bogle7
Fri Apr 16, 2021 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 113
Views: 6579

Medicare Advantage works for me

Husband and I had Medicare Advantage plans that worked fine, till they didn't. It depends on the Medicare Advantage provider. I had/have Kaiser and my total out-of-pocket costs for my colon cancer were $2500 for everything— doctor visits, surgery, port installation/removal, chemotherapy. I have the...
by Bogle7
Fri Apr 16, 2021 10:12 am
Forum: Personal Consumer Issues
Topic: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)
Replies: 20
Views: 1268

Re: Do Basement Bathrooms w/Ejector Pumps work? (w/Sewers, not Septic)

Ours has been working for 10 years.
I have no idea what brand/model it is.
by Bogle7
Fri Apr 16, 2021 3:12 am
Forum: Personal Consumer Issues
Topic: Electric Toothbrush Replacement Recommendations?
Replies: 42
Views: 2411

Re: Electric Toothbrush Replacement Recommendations?

Our Sonicare is 19 years old.
When it dies I am going to Costco to buy a new one.
by Bogle7
Thu Apr 15, 2021 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 113
Views: 6579

Profits are the deal

All the insurance companies are paying for subscribers because Medicare is profitable . I have a friend who has brokered Medigap policies for 15+ years. He makes a decent living. Medicare is confusing. My neighbors (ages 60 and 63, college educated, $3M+ in retirement funds) do not understand how it...
by Bogle7
Wed Apr 14, 2021 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: When to take Social Security
Replies: 13
Views: 1314

Re: When to take Social Security

What is your scheduled death date?
The “when” is trivial after that.
by Bogle7
Wed Apr 14, 2021 4:03 pm
Forum: Personal Investments
Topic: Fired Financial Adviser - need advice for 70 yo mother
Replies: 46
Views: 3438

Re: Fired Financial Adviser - need advice for 70 yo mother

Simplify. No ETFs. 3 low-cost index funds. Absolutely agree with you. Which three do you recommend? How should I allocate? (I will post her specific investments in original post.) Well, at age 72, I am a stocks (not bonds) guy. I have our money in: S&P 500 NASDAQ Russell 2000 and a short-term b...
by Bogle7
Wed Apr 14, 2021 11:41 am
Forum: Personal Investments
Topic: Fired Financial Adviser - need advice for 70 yo mother
Replies: 46
Views: 3438

Re: Fired Financial Adviser - need advice for 70 yo mother

Simplify.
No ETFs.
3 low-cost index funds.
by Bogle7
Tue Apr 13, 2021 5:48 pm
Forum: Personal Consumer Issues
Topic: Hoarding and Decluttering
Replies: 15
Views: 1423

I travel light, but...

... If I acquire something... then two things have to go. I do the same with my files. If I file something, I have to remove two... As 94.37% of my files are PDFs, I am throwing almost none of them away. They occupy zero physical and [for me] mental space. Marginal cost of multiple backups is zero$.
by Bogle7
Tue Apr 13, 2021 3:52 pm
Forum: Personal Investments
Topic: Multiple years of expenses in cash when starting retirement
Replies: 101
Views: 7349

Re: Multiple years of expenses in cash when starting retirement

I started retirement with $400k in cash and am glad I did. We’re using these funds for aggressive Roth conversions over the next few years (living expense and taxes). In hindsight I wish I’d set aside even more in taxable for this purpose. +1 For us, it was $320K and higher would have been better. ...
by Bogle7
Tue Apr 13, 2021 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: walking the last mile - selling our family home
Replies: 12
Views: 1859

sell the "family" house

1. A house is not a home. 2. Sell it. 3. After 24 years of living in our dream house (we did a huge renovation to a small house) we woke up one morning at ages 62/53 with ants in our pants. 4. Sold the house. 5. Bought a new house 7 miles away ten years ago and have fallen in love with the new neigh...
by Bogle7
Mon Apr 12, 2021 8:57 pm
Forum: Personal Consumer Issues
Topic: bank check images, and mobile deposits and ACH ?
Replies: 7
Views: 613

Get a better “bank”

Switch to DCU. I can see front and back of every check I've ever written. Well, as far back as I have needed to go, anyways. I've been there since about 1980. I have been with DCU since 1976 (before it was DCU). I am very happy with all of DCU’s services. I write 4-5 checks a year. Everything else ...
by Bogle7
Mon Apr 12, 2021 8:52 pm
Forum: Personal Consumer Issues
Topic: DIY recessed lighting installation?
Replies: 47
Views: 2380

нет

1. Get a permit. If you have a fire and no permit, then your insurance company will not pay. 2. Pay a pro whose work can pass inspection. 3. Have the pro do more work while there. For example, whole house surge protector, changing breakers to arc fault, installing an outlet behind the toilet in the ...
by Bogle7
Mon Apr 12, 2021 4:46 pm
Forum: Personal Consumer Issues
Topic: Gift Card to Permanently Closed Business
Replies: 17
Views: 2778

Gift Cards can be risky

When COVID first hit last year, I read articles advising us to help our favorite restaurants ... stay in business by purchasing gift cards. I had compassion for the small business owners who were shuttered by the lockdowns I bought $500 worth of gift cards (and 2 lifetime beer club memberships for ...
by Bogle7
Sun Apr 11, 2021 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Using only Fidelity for Retirement
Replies: 23
Views: 3411

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: 896

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: 5203

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: 211
Views: 10416

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: 1117

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: 3761

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: 2007

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: 1672

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: 5884

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: 1044

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: 3686

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: 2287

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: 2115

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: 4464

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: 2824

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: 1144

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: 584

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: 54
Views: 3875

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: 3666

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: 2195

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: 3483

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: 54
Views: 3875

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: 3483

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: 9207

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: 1233

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: 1871

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: 2939

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: 8148

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: 2068

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: 2846

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: 255
Views: 25268

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.