Search found 105 matches

by GreenLawn
Sun Mar 21, 2021 5:31 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23419

Re: What is the BEST thing you spent money on?

My house. Not sharing walls, floors, or ceilings with anyone is priceless. But I wish I was further away from my neighbors. I hope to get that in retirement. Runner up but not one thing is every vacation I have ever taken by myself, and there have been many. Blessed, blessed freedom from darn near ...
by GreenLawn
Sun Mar 21, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Live on a lake in Florida?
Replies: 40
Views: 5382

Re: Live on a lake in Florida?

The one year I lived in Florida, it was on a lake (storm retention pond I was told). Loved it. Lots of wildlife and a great view from my screened patio. Gators were one of the plusses, we looked for them every time we walked around the lake. We encountered them maybe 10 times during that year, would...
by GreenLawn
Sun Mar 21, 2021 12:35 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23419

Re: What is the BEST thing you spent money on?

Internet access. My recent purchase of a 17 inch, 3 pound LG Gram laptop has made it even better. Couch, bed, desk, the internet is available in glorious color and comfort wherever I might find myself. Life changing in many ways. Online dating for starters. No need to hit on the ladies squeezing tom...
by GreenLawn
Fri Feb 26, 2021 2:53 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12789

Re: How much do you spend nightly for hotels (leisure/vacation)?

In the past we've used AirBnb, but for whatever reason (Covid?) the prices for a guest bedroom with a private bath are creeping up towards the price of a basic hotel so recently we've been staying at hotels for around 85-100. This is just for a place to sleep. For a Mexican vacation several years ag...
by GreenLawn
Wed Dec 16, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23856

Re: Where to Retire?

I realize there are variables that impact the cost for individuals (I tend to drive older cars for example), but a site could come up with a sample employee and retiree and compare costs across states. No, that's just not possible for a "sample" employee or retiree. Any even marginally us...
by GreenLawn
Wed Dec 16, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23856

Re: Where to Retire?

I realize there are variables that impact the cost for individuals (I tend to drive older cars for example), but a site could come up with a sample employee and retiree and compare costs across states. No, that's just not possible for a "sample" employee or retiree. Any even marginally us...
by GreenLawn
Mon Dec 14, 2020 11:05 pm
Forum: Personal Consumer Issues
Topic: Where to Retire?
Replies: 262
Views: 23856

Re: Where to Retire?

I've yet to find a website that does a good job comparing total cost of living between states. If anyone knows of one I'd like to check it out. When I moved to Florida my auto insurance doubled, which more than offset the lack of an income tax in retirement. So I find websites that reference only in...
by GreenLawn
Mon Dec 14, 2020 9:56 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer "complimentary wealth planning"?
Replies: 16
Views: 1582

Re: Does Fidelity offer "complimentary wealth planning"?

I've met with Fidelity advisors and as far as I can tell its free. Not sure how they can afford to spend time with a frugal investor like me, but if they're offering, I'm taking. I'd never met with a financial advisor prior to Fidelity so I found it interesting and useful. The retirement tool is gre...
by GreenLawn
Mon Dec 14, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: How to watch all NFL games
Replies: 81
Views: 4974

Re: How to watch all NFL games

Love, love, love Game Pass (https://gamepass.nfl.com). Games are available right after the broadcast, and quickly are available edited down to a snap-to-whistle 40-minute version. No commercials! Takes all the pressure off having to find a way to watch any given game. Which is a huge upgrade for me...
by GreenLawn
Sun Dec 06, 2020 2:16 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 626
Views: 85734

Re: What lifestyle creep made you happier?

The response of “Apple Watch” reminded me of the time I went from slide rule to a pocket calculator. That was pretty special to me. But my wife and I bought a house with one bath then ended up with three children. Having a house with more than one bathroom was a life style change I would not want t...
by GreenLawn
Wed Nov 25, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: Aftermarket batteries for cordless tools?
Replies: 27
Views: 8428

Re: Aftermarket batteries for cordless tools?

I purchased an aftermarket battery for a Black and Decker 3 or 4 years ago. The reviews on Amazon said it lasted longer (more reserve) than the OEM battery. They were right. The OEM batteries always seemed rather weak to me, so it wasn't a great feat to build something better. I think the Ah rating ...
by GreenLawn
Tue Nov 24, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

I always hated that question. Anybody else hate it? To me it is like asking how much money you have. I never hated to be asked what I did. I never felt like I was being asked how much money I had. I know that I never talked about money. To me, it was just a social nicety - like saying "Nice to...
by GreenLawn
Sat Nov 21, 2020 10:25 pm
Forum: Personal Consumer Issues
Topic: Best Books for Post Retirement
Replies: 19
Views: 2624

Re: Best Books for Post Retirement

I haven't seen anyone yet call out the Jane Bryant Quinn book How to Make Your Money Last. +1 Yes, great book. Reading it for the first time now. Not learning much as the material is covered well in this forum, but an excellent introduction to personal finance for retirees. Recommended for retirees...
by GreenLawn
Tue Nov 17, 2020 6:41 pm
Forum: Investing - Theory, News & General
Topic: About the financial news media...
Replies: 27
Views: 2075

Re: About the financial news media...

I read the financial press, and in particular the WSJ, for entertainment. I enjoy reading business strategy (what's Walmart and Amazon up to these days?). The obituaries are a favorite too, in part for the life stories, and also to see how long the men live. I recently looked up my old chemistry pro...
by GreenLawn
Tue Nov 10, 2020 7:22 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63225

Re: Books that changed your life

Making Contact by Arthur Wassmer Anyone who's transitioned from painfully shy to reaching out and having fun with others can appreciate how life changing that can be. This book was the first step for me. I'm still an introvert and enjoy lots of alone time, but I relish meeting fun people and can cha...
by GreenLawn
Tue Nov 10, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

In years where my 2% Executive bonus is less than the difference between the Basic and Executive membership dues, I have had the difference applied to the next year’s membership dues. You just need to ask for it. Who do you ask? Is this by calling or is it at the customer service in store? I've had...
by GreenLawn
Sun Nov 08, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: 8 Steps to Make Sure You Don't Go Broke in Retirement - Allan Roth
Replies: 85
Views: 10560

Re: 8 Steps to Make Sure You Don't Go Broke in Retirement - Allan Roth

4. Take a part-time job doing something you love. I'm a believer in phased retirement. From an emotional standpoint, it's hard to go from decades of working full time to having no routine at all. But from a financial standpoint, working part time accomplishes two financial goals. It brings in cash ...
by GreenLawn
Sun Nov 08, 2020 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 184548

Re: How much money do you want to retire?

….hummmm….. Money does not buy happiness......but it does buy a more enjoyable form of misery...…… :| I think that a certain amount of money is, for most people, a necessary but insufficient condition for happiness. It's difficult for most people to be happy when their roof is leaking, their clothe...
by GreenLawn
Fri Oct 30, 2020 10:22 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

"In America when strangers meet a common question is ‘what do you do’? " It’s usually men who ask each other this. When women meet they first ask whether they have children, then what are their ages, boys or girls, etc. Or is this no longer true and I’m a relic from the past for even thin...
by GreenLawn
Fri Oct 30, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Why would anyone think that someone would regret retiring? Why would anyone regret being able to do whatever they wanted, whenever they wanted? I've thought the same myself. When folks program themselves to work every month of every year of their adult life (with a week off here and there) until th...
by GreenLawn
Fri Oct 30, 2020 10:01 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Why would anyone think that someone would regret retiring? Why would anyone regret being able to do whatever they wanted, whenever they wanted? I've thought the same myself. When folks program themselves to work every month of every year of their adult life (with a week off here and there) until th...
by GreenLawn
Fri Oct 30, 2020 7:58 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Why would anyone think that someone would regret retiring? Why would anyone regret being able to do whatever they wanted, whenever they wanted? I've thought the same myself. When folks program themselves to work every month of every year of their adult life (with a week off here and there) until th...
by GreenLawn
Fri Oct 30, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Long time retirees: any regrets?
Replies: 213
Views: 26331

Re: Long time retirees: any regrets?

Why would anyone think that someone would regret retiring? Why would anyone regret being able to do whatever they wanted, whenever they wanted? I've thought the same myself. When folks program themselves to work every month of every year of their adult life (with a week off here and there) until th...
by GreenLawn
Mon Oct 19, 2020 9:40 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

Subscription to Wall Street Journal.........been getting it for 25+ years and enjoy it. :sharebeer Absolutely! Constant battle to keep the price down as they want to keep raising it. I don't read the editorial section since Murdoch bought them, but the other sections of the paper are outstanding an...
by GreenLawn
Mon Oct 19, 2020 9:30 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

If you're a gamer, it's inarguable Windows has a lot more games available. For processing intensive tasks, Mac's are incredibly slow compared to an equivalent price point Windows machine. I personally find MAC's harder to use and less intuitive than Windows. I do realize to some people Apple is mor...
by GreenLawn
Mon Oct 19, 2020 9:20 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

Here are a few of many examples of false alarms: April 2010 Time To Sell Stocks? Is the party over? Today's extreme drop is scary. Is it only the beginning? January 2013 Overvalued Equities ... US equities are 40 to 50 percent overpriced. November 2013 Advice: Should I invest when Stocks are at all...
by GreenLawn
Mon Oct 19, 2020 9:11 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

There you go, no need to change your strategy then! Bogleheads don't like change from what I've seen. Stay the course I believe the saying is.
by GreenLawn
Sun Oct 18, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

I don't believe that there are set and inflexible investing rules that everyone should always follow in all economic, personal, and market circumstances. I suspect that most market timing moves done by most investors fail to work out as anticipated. I do believe however that when significant change...
by GreenLawn
Sun Oct 18, 2020 3:13 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

Ease of use is subjective. I agree with marshall. I’ve used HP , Lenovo and HP through work - high end developer machines. Mac is better. . If you're a gamer, it's inarguable Windows has a lot more games available. For processing intensive tasks, Mac's are incredibly slow compared to an equivalent ...
by GreenLawn
Sun Oct 18, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

As an avid Windows/Ubuntu user (with experience on a Mac throughout my high school), I will say that for the average person, Macs (before and after the butterfly keyboard [those laptops were rubbish]) especially this year's models are 'worth it' over the average Windows machine. Windows 10 is a gre...
by GreenLawn
Sat Oct 17, 2020 10:06 pm
Forum: Investing - Theory, News & General
Topic: The Wrong Way to Think About Debt - The White Coat Investor
Replies: 215
Views: 27034

Re: The Wrong Way to Think About Debt - The White Coat Investor

Debt Free= "Options" :mrgreen: One has far more options with invested assets compared to being debt free compare: $350k house with no mortgage and $100k invested Vs $350k house with $300k mortgage and $400k invested. Much more options having invested assets. Appreciate the insight. I was ...
by GreenLawn
Sat Oct 17, 2020 9:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

I have no problem with folks who enjoy paying full price, most Bogleheads do. If you don't recognize last March as a sale, then you're better off with continuing with your present investing strategy. Oh, the clairvoyance, eh? So you knew the exact date in March to call the bottom and you didn’t tel...
by GreenLawn
Sat Oct 17, 2020 8:58 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

Market timing is simple. I’ve been doing it successfully since the 1990s. It’s a dirty word on BH so some posters call it rebalancing There is a fundamental difference between market timing and rebalancing. Market timing is based on an assumption that expected future returns change; rebalancing to ...
by GreenLawn
Sat Oct 17, 2020 8:02 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

Market timing is simple. I’ve been doing it successfully since the 1990s. It’s a dirty word on BH so some posters call it rebalancing There is a fundamental difference between market timing and rebalancing. Market timing is based on an assumption that expected future returns change; rebalancing to ...
by GreenLawn
Sat Oct 17, 2020 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Social security. Take it at 62 [Motley Fool article]
Replies: 222
Views: 20550

Re: Social security. Take it at 62 [Motley Fool article]

For me it's psychological. The best years of the remaining years of my life will be my 60's. If I feel I have enough money to wait to claim and still spend freely to enjoy those early years, I'll wait to take SS. If I begin to feel doubts about spending while seeing my investment accounts decrease b...
by GreenLawn
Sat Oct 17, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

Ease of use is subjective. I agree with marshall. I’ve used HP , Lenovo and HP through work - high end developer machines. Mac is better. . I also agree with Marshall. A MacBookPro will probably last 3 times as long as anything from Dell, HP, Lenovo, etc. Absolute nonsense. The RAM, hard drive, and...
by GreenLawn
Sat Oct 17, 2020 6:39 pm
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 490
Views: 41815

Re: Items that are worth the money for the quality

Filson. All-Clad pots & good cast iron. Good shoes. Definitely not. You can get the same performance, in terms of graphics card, processor, and RAM, cheaper in a Windows machine. Yes but you’re assuming you are just paying for the hardware, and not the better software, ease of use, etc. Ease of...
by GreenLawn
Sat Oct 17, 2020 6:04 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30332

Re: Anybody here trying Coast FIRE?

Do you have a link to the article you read? https://www.businessinsider.com/personal-finance/why-pursuing-coast-fire-retirement-2020-10 How is this considered FIRE? RE stands for Retiring Early and I haven't seen any early retirement dates set by you or the author? Many folks only set aside 10 or 1...
by GreenLawn
Sat Oct 17, 2020 5:23 pm
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30332

Re: Anybody here trying Coast FIRE?

It should be called "Financial Independence Semi-Retire". Most of the FIRE community semi-retire into something they enjoy. The "RE" is misleading and more of a marketing gimmick to sell their material. Yes, and when you call them on it they call you the Internet Retirement Poli...
by GreenLawn
Sat Oct 17, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

Most Bogleheads have practiced milder forms of market timing, for me it is based upon valuations and is more about risk control than trying to beat the markets. I consider re-balancing as a form of market timing. That is popular on Bogleheads. Yes, I do too, but certainly rebalancing is a very mild...
by GreenLawn
Sat Oct 17, 2020 9:43 am
Forum: Investing - Theory, News & General
Topic: Anybody here trying Coast FIRE?
Replies: 326
Views: 30332

Re: Anybody here trying Coast FIRE?

The acronym soup of the FIRE movement is getting a little out there. Financial independence means you don’t have to work for money if you don’t want to. I would very much consider myself a part of that movement, broadly speaking. But Coast FIRE is just changing jobs and taking longer to get to FI. ...
by GreenLawn
Sat Oct 17, 2020 8:10 am
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

My definition of market timing... "Whenever I have free cash, it is time to put it in the market ." This. While I think it is possible for the average Boglehead to pick and hold solid individual stocks and perhaps do slightly better than average, I have seen no evidence anyone can success...
by GreenLawn
Fri Oct 16, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

My definition of market timing... "Whenever I have free cash, it is time to put it in the market ." This. While I think it is possible for the average Boglehead to pick and hold solid individual stocks and perhaps do slightly better than average, I have seen no evidence anyone can success...
by GreenLawn
Fri Oct 16, 2020 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Should we refinance to a 15-year mortgage?
Replies: 74
Views: 5769

Re: Should we refinance to a 15-year mortgage?

how secure are your jobs? One advantage about a 30-year mortgage is that it gives you payment flexibility should you incur some unforeseen expenses or have a job loss. You can also pay extra principal every month to pay it off in ~15 years. I'd consider paying down enough principal so you could ref...
by GreenLawn
Fri Oct 16, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are good at market timing
Replies: 81
Views: 7251

Re: Bogleheads are good at market timing

Market timing is easy, and it works. Buy low, sell high. If you don't need the money, don't sell, the market trends higher over the decades so when you do need the money you'll have made a bundle. But do buy low when the market crashes. Buy as much as you're comfortable spending. Don't overdo it, bu...
by GreenLawn
Sun Sep 20, 2020 3:57 pm
Forum: Investing - Theory, News & General
Topic: Is anyone waiting until after the election?
Replies: 380
Views: 32079

Re: Is anyone waiting until after the election?

Less than 2 months away, if you'll feel better by waiting, go ahead. I'm anticipating some volatility, but have no idea whether it'll trend up or down.
by GreenLawn
Sun Sep 20, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

If you have another bulk membership club closer to you (ie Sam's Club) - then the answer is NO. I have a Sam's Club that is 1 mile away and a Costco that is 8 miles away. I tend to always go to Sam's Club. Having said that - there are some products that Costco has, that Sam's doesn't. I found that ...
by GreenLawn
Sat Sep 19, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

UpperNwGuy wrote: Sat Sep 19, 2020 8:39 pm
— I find that Costco caters to lowest common denominator tastes. I much prefer the products at my nearby Whole Foods.
Ever shopped at Dollar Tree or Walmart? Not even close to being lowest.
by GreenLawn
Sat Sep 19, 2020 8:46 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

We love Costco. BUT we love our Costco in Wisconsin. When we lived in NJ, the Clifton Costco was not such a joy: very crowded, long lines, not helpful and no in-house wines. We buy gas, steaks, nuts, frozen seafood, batteries, eyeglasses, and whatever else catches our fancy. Not our primary grocery...
by GreenLawn
Sat Sep 19, 2020 8:18 pm
Forum: Personal Consumer Issues
Topic: Is Costco worth the $120 membership?
Replies: 267
Views: 20227

Re: Is Costco worth the $120 membership?

When we needed a TV, the price with tax at Costco was cheaper than the base exchange, even after sales tax. Looking for a 55" TV now. Best Buy: https://www.bestbuy.com/site/samsung-55-class-7-series-led-4k-uhd-smart-tizen-tv/6401735.p?skuId=6401735 Costco: https://www.costco.com/samsung-55%22-...