Search found 1013 matches

by iamblessed
Thu May 06, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: Anyone hate where they live primarily because of the weather?
Replies: 109
Views: 5089

Re: Anyone hate where they live primarily because of the weather?

alfaspider wrote: Thu May 06, 2021 3:38 pm
iamblessed wrote: Thu May 06, 2021 3:20 pm I hate the summers here in MO. Any affordable state with low humidity?
New Mexico?
Yeah maybe northern NM, WY or UT.
by iamblessed
Thu May 06, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: Anyone hate where they live primarily because of the weather?
Replies: 109
Views: 5089

Re: Anyone hate where they live primarily because of the weather?

I hate the summers here in MO. Any affordable state with low humidity?
by iamblessed
Thu May 06, 2021 6:42 am
Forum: Investing - Theory, News & General
Topic: Why simplicity ?
Replies: 66
Views: 4153

Re: Why simplicity ?

I'm kind of new here, I kept this question for myself as long as I resisted, but I've seen this concept coming up so frequently that at this point I need to ask. Why do BHs make of SIMPLICITY such a big deal ? "I could use 4 ETFs but for simplicity I just use one". ok but why? Most of us ...
by iamblessed
Wed May 05, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Selling house as part of estate planning
Replies: 28
Views: 1659

Re: Selling house as part of estate planning

A lot of people just hire an auction company. Somebody wants all that stuff.
by iamblessed
Sun May 02, 2021 6:04 pm
Forum: Personal Investments
Topic: What is your favorite retirement calculator?
Replies: 50
Views: 6636

Re: What is your favorite retirement calculator?

Mr. Rumples wrote: Sun May 02, 2021 6:12 am I've used this:

https://www.mycalculators.com/ca/retcalc2m.html

Its pretty simple but doesn't of course offer various assumptions and outcomes; its just the math, but coupled with others, works for me.
Do any other calculators give yearly spending like this one?
by iamblessed
Sat May 01, 2021 11:19 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads Guides - Books
Replies: 32
Views: 1992

Re: The Bogleheads Guides - Books

I think I have read 100 investing books. I mainly come back to just a few. Here is the list.
The Bogleheads Guide to Investing
Millionaire Next Door (all three books)
I Will Teach You To Be Rich
by iamblessed
Thu Apr 29, 2021 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Funeral expenses-10K fair?
Replies: 25
Views: 2951

Re: Funeral expenses-10K fair?

It cost about 7k in the Midwest. Be sure to call all the small funeral homes I find they have the best prices. Some are in the 4k range.
by iamblessed
Wed Apr 28, 2021 7:50 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with 2 Nice Pensions
Replies: 27
Views: 2832

Re: Retirement Planning with 2 Nice Pensions

I would love to see you list your pensions. Never heard of pensions that high. We'd have just two: Wife will have a US military pension w/ 27 years (as an O6) = $97K I will have CalPers pension w/27 years = about $78K Her federal pension will be about as safe as anything...mine maybe not quite as m...
by iamblessed
Tue Apr 27, 2021 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Planning with 2 Nice Pensions
Replies: 27
Views: 2832

Re: Retirement Planning with 2 Nice Pensions

I would love to see you list your pensions. Never heard of pensions that high.
by iamblessed
Tue Apr 27, 2021 6:12 pm
Forum: Personal Consumer Issues
Topic: Adequate Speed for Internet Streaming
Replies: 18
Views: 941

Re: Adequate Speed for Internet Streaming

Steam one device on 5 mbps just fine.
by iamblessed
Mon Apr 26, 2021 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving Away from California - How Much Do You Save Retiring To a Low Cost Area?
Replies: 148
Views: 17481

Re: Moving Away from California - How Much Do You Save Retiring To a Low Cost Area?

https://www.businessinsider.com/moving-california-austin-texas-10-things-i-wish-i-knew-2021-1 "In Austin, it would only get down to a smothering 80 degrees at night during the summer. This means your AC will be running all day and all night. Evening walks are less than refreshing when it's 11 ...
by iamblessed
Sun Apr 25, 2021 3:15 pm
Forum: Personal Consumer Issues
Topic: Costco Questions
Replies: 44
Views: 4942

Re: Costco Questions

For Costco, some things can be a very good price, something are not that great of a price. Hard to beat their return policy. Produce is much better priced at other grocery stores even without the sales in many situations from my experience. Ironically, most people that shop at Costco won't step foo...
by iamblessed
Sun Apr 25, 2021 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Creative ways to reduce AGI
Replies: 32
Views: 4621

Re: Creative ways to reduce AGI

Sell a CD early. It will cause a penalty. It will reduce AGI.
by iamblessed
Sat Apr 24, 2021 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Advice appreciated: older relative with huge credit card debt
Replies: 34
Views: 3468

Re: Advice appreciated: older relative with huge credit card debt

Your relative is insolvent as liabilities > assets. Don’t deplete the relative’s savings to pay off the current outstanding debt. Sounds like your relative’s income is not sufficient to live on as debt is increasing. Your relative may want to talk to an attorney about filing bankruptcy or other opt...
by iamblessed
Fri Apr 23, 2021 11:36 am
Forum: Personal Consumer Issues
Topic: I would like to drink something more healthy than pop. I shop at costco and sam's what would you get instead?
Replies: 47
Views: 2588

Re: I would like to drink something more healthy than pop. I shop at costco and sam's what would you get instead?

bloom2708 wrote: Fri Apr 23, 2021 11:24 am Try the LaCroix and other flavored waters. The no sugar kinds. Costco has several varieties.

They are not soda, but once you ween yourself off, they are tasty/refreshing.

There is a range of really good flavors. Lemoncello is pretty tasty.
Thanks
by iamblessed
Thu Apr 22, 2021 7:53 pm
Forum: Personal Investments
Topic: Helping an elderly MIL consolidate CC debt?
Replies: 11
Views: 958

Re: Helping an elderly MIL consolidate CC debt?

Get her on the Dave Ramsey plan. She might have a problem with credit card spending.
by iamblessed
Thu Apr 22, 2021 3:45 pm
Forum: Personal Consumer Issues
Topic: Struggling with car purchase
Replies: 31
Views: 1745

Re: Struggling with car purchase

How about a Tacoma V46 4X4 for about 31k. Invest the rest.
by iamblessed
Thu Apr 22, 2021 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 312
Views: 38229

Re: What Were Your Regrets after Retiring? (serious question)

I must admit I am very envious of people who are easily able to fill their days in retirement. I have zero understanding of what they are doing to fill their days. Start fixing every thing that break around the house. That will eat tons of time. I fix and lcd monitor. Did not not know I could do th...
by iamblessed
Tue Apr 20, 2021 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Finance book recommendation for DW
Replies: 18
Views: 1170

Re: Finance book recommendation for DW

Two books I love.

I Will teach you to be rich.
Millionaire next door.
by iamblessed
Mon Apr 19, 2021 9:19 pm
Forum: Personal Consumer Issues
Topic: What is the Softest Mattress in a Box?
Replies: 8
Views: 1040

What is the Softest Mattress in a Box?

Would it be the softest mattress on the market?
by iamblessed
Mon Apr 19, 2021 9:05 pm
Forum: Personal Consumer Issues
Topic: Considering switching from Tracfone to Tello
Replies: 25
Views: 1561

Re: Considering switching from Tracfone to Tello

I used them for several years and was happy.
by iamblessed
Mon Apr 19, 2021 11:51 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 300
Views: 17345

Re: What’s the problem with dividends?

CyclingDuo wrote: Mon Apr 19, 2021 11:36 am
Astones wrote: Mon Apr 19, 2021 10:57 amCalm down. It wasn't meant as a critique.
Looks like I can get a discount and free shipping on a 3 pack... :beer

Image
They are taxed at the state level?
by iamblessed
Mon Apr 19, 2021 11:16 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 300
Views: 17345

Re: What’s the problem with dividends?

I don't like them because the mutual fund goes down the same amount the day they are paid so it was not real income to me. That is what bugs me the most about them. I don't like dividends because then I have to take less capital gains to remain in the same tax bracket. I can keep my income lower fo...
by iamblessed
Mon Apr 19, 2021 7:20 am
Forum: Investing - Theory, News & General
Topic: What’s the problem with dividends?
Replies: 300
Views: 17345

Re: What’s the problem with dividends?

I don't like them because the mutual fund goes down the same amount the day they are paid so it was not real income to me. That is what bugs me the most about them. I don't like dividends because then I have to take less capital gains to remain in the same tax bracket. I can keep my income lower for...
by iamblessed
Sat Apr 17, 2021 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy cliff now going away! Yay!
Replies: 166
Views: 19752

Re: ACA subsidy cliff now going away! Yay!

I suspect that if I had not gone through this process I would still have gotten the savings next year when I file my tax return but I am not sure of that.

That's what I am thinking but do not know if it is right?
by iamblessed
Fri Apr 16, 2021 7:07 pm
Forum: Personal Consumer Issues
Topic: Please suggest a docuseries to watch
Replies: 32
Views: 3112

Re: Please suggest a docuseries to watch

piazano wrote: Fri Apr 16, 2021 9:31 am "Locked up abroad" Nat Geo Channel
Normally I don't like crime stories but could not stop watching this.
by iamblessed
Fri Apr 16, 2021 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Disabled at 39 - looking for some general guidance
Replies: 19
Views: 3488

Re: Disabled at 39 - looking for some general guidance

I think you will be fine. With index funds you should be able to get your income under 50k for the ACA.
by iamblessed
Wed Apr 14, 2021 1:46 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19624

Re: Did you move for better weather? Did you regret it?

Having been all over the US at one point or another and talking to many/researching the weather in various places, I’ve come to the conclusion that where I’m at/grew up has middle of the road weather, middle of the road people, middle of the road politics and is lcol somewhere in the middle of the ...
by iamblessed
Sun Apr 11, 2021 6:09 pm
Forum: Investing - Theory, News & General
Topic: VPW too aggressive?
Replies: 23
Views: 2125

Re: VPW too aggressive?

American funds used a 5% VPW as an example for many years. I doubt it is to aggressive.
by iamblessed
Sun Apr 11, 2021 1:18 pm
Forum: Investing - Theory, News & General
Topic: VPW too aggressive?
Replies: 23
Views: 2125

Re: VPW too aggressive?

Note that 4% is constant in inflation adjusted value. There are costs to achieving this (sequence of returns, etc.) and inflation is built into the 4% number, which is why the VPW percentages are much higher. One could take 6% of remaining portfolio every year with a very high likelihood of good re...
by iamblessed
Sat Apr 10, 2021 9:22 am
Forum: Personal Consumer Issues
Topic: Any MagicJack phone alternatives that are cheaper and better?
Replies: 16
Views: 1829

Re: Any MagicJack phone alternatives that are cheaper and better?

teelainen wrote: Sat Apr 10, 2021 1:09 am Are there any MagicJack phone alternatives that are cheaper and better?

My MagicJack account is up for renewal, and I don't feel like paying the $39 per year.

Any recommendations would be great, thanks.
Do they still have the deal where you can buy five years at a discount?
by iamblessed
Sat Apr 10, 2021 9:18 am
Forum: Personal Investments
Topic: Is Tax slayer tax software correctly dealing with ACA tax credits yet?
Replies: 4
Views: 211

Re: Is Tax slayer tax software correctly dealing with ACA tax credits yet?

jebmke wrote: Sat Apr 10, 2021 9:15 am According to a notice I received yesterday, TaxSlayer Pro is doing this correctly. I don't know if the retail version has been updated yet.
Is the TaxSlayer Pro what some paid tax preparers use?
by iamblessed
Sat Apr 10, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1276

Re: Electric water heater for a confined space

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it. Home Depot shows the height as 31.5 inches with the connections on the top, which puts it right on the bleeding edge of what's possible. The connecting tubing has to bend at a sharp an...
by iamblessed
Fri Apr 09, 2021 8:14 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1276

Re: Electric water heater for a confined space

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it.
by iamblessed
Fri Apr 09, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1276

Re: Electric water heater for a confined space

I would put in this one from home depot.
Performance 20 Gal. Short 6 Year 3800/3800-Watt Elements Electric Tank Water Heater
I am guessing $150 a year cheaper to run than the one you have.
by iamblessed
Tue Apr 06, 2021 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 21567

Re: How much do you spend annually in retirement?

arf1410 wrote: Tue Apr 06, 2021 3:45 pm
iamblessed wrote: Tue Apr 06, 2021 3:42 pm
We live on 22k so 50k is high on the hog here in the Midwest.
help me understand that one... I've been told to budget about $20k per year for health care ...

Free to very low cost on the ACA at a low income. The highest I ever paid was around $150 a month. Last year $63 a month.
by iamblessed
Tue Apr 06, 2021 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 21567

Re: How much do you spend annually in retirement?

I know that there are alot of variables such as cost of living but I am curious what people spend annually in retirement. My gut tells me that $50,000 annually would be living "high on the hog" assuming all debts are paid off. If anyone is willing to share I think it would be interesting....
by iamblessed
Tue Apr 06, 2021 8:08 am
Forum: Personal Consumer Issues
Topic: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this
Replies: 8
Views: 1036

Re: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this

It happened three times. One of them disappeared after several days. Now only show one time like it should. I still have one on there from 3/31. The newest one is also on there from 4/5.
by iamblessed
Mon Apr 05, 2021 10:51 pm
Forum: Personal Consumer Issues
Topic: Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this
Replies: 8
Views: 1036

Fidelity debit card question. When I use the atm it takes money out twice on the same date. Anyone else have this

problem. Three different times it show me taking out the same amount twice on the same day but I only took out money once. Anybody else have this problem?
by iamblessed
Mon Apr 05, 2021 11:33 am
Forum: Personal Consumer Issues
Topic: Costco/Kirkland Premium Paper Towels (Roll Size?)
Replies: 12
Views: 1404

Re: Costco/Kirkland Premium Paper Towels (Roll Size?)

I was going to look up the price but the costco web site is not as good as the sam's club web site. That's one area sam's is good at. Costco web site and Costco stores often have different prices. The web site sometimes has higher prices that include delivery. Yeah. Sam's gives you the store price ...