Search found 74 matches

by BedHead2020
Thu Apr 15, 2021 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Pulled the trigger on a solar install
Replies: 37
Views: 4934

Re: Pulled the trigger on a solar install

I paid $2.50/watt, before tax credits, for a 10 kW system three years ago. Prices now are considerably lower, down around $1.80-$2.00/watt before tax credits. I would be very hesitant now to pay more than $2/watt for a traditional solar setup. Tesla is offering $2.00 / watt before any tax credits o...
by BedHead2020
Thu Feb 18, 2021 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Pulled the trigger on a solar install
Replies: 37
Views: 4934

Re: Pulled the trigger on a solar install

I paid $2.50/watt, before tax credits, for a 10 kW system three years ago. Prices now are considerably lower, down around $1.80-$2.00/watt before tax credits. I would be very hesitant now to pay more than $2/watt for a traditional solar setup.
by BedHead2020
Sat Feb 13, 2021 11:37 pm
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3479

Re: Dash cams?

I have vowed from now on to have a dash cam in every car I own. The reason is simple: There is an extremely strong correlation between people who cause accidents and people who lie about causing accidents. Well it's pretty hard to lie about causing an accident if you didn't cause an accident. It’s ...
by BedHead2020
Wed Feb 10, 2021 8:09 pm
Forum: Personal Consumer Issues
Topic: Dash cams?
Replies: 36
Views: 3479

Re: Dash cams?

I have vowed from now on to have a dash cam in every car I own. The reason is simple: There is an extremely strong correlation between people who cause accidents and people who lie about causing accidents.
by BedHead2020
Wed Jan 27, 2021 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Naming a Trust: Does it Matter?
Replies: 22
Views: 2038

Re: Naming a Trust: Does it Matter?

We just named ours [lastname] Revocable Trust.
by BedHead2020
Tue Jan 26, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Why does my SSA statement show benefits decreasing?
Replies: 13
Views: 1988

Re: Why does my SSA statement show benefits decreasing?

I'm in my mid 50's and my earnings for the past few years have been relatively consistent, increasing steadily due to annual pay increases of a typical nature. Time passes... Looking at my year-end paystubs, though, I see that I paid 1/3 less in social security in 2020 than I did in 2019, likely due...
by BedHead2020
Tue Jan 26, 2021 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Why does my SSA statement show benefits decreasing?
Replies: 13
Views: 1988

Why does my SSA statement show benefits decreasing?

I ran a report from MySSA in December and then again just now. The benefit amounts have all dropped by 4-5%. There has been no change in my working status or anything like that. Was there a change of some sort in SSA's benefit calculations between 12/2020 and 01/2021?
by BedHead2020
Sun Jan 24, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: MacBook Air - Big Sur upgrade?
Replies: 14
Views: 1106

Re: MacBook Air - Big Sur upgrade?

Folks on the macrumors forum are calling it “Bug Sur,” so I think I’m going to wait a while before I upgrade.
by BedHead2020
Wed Jan 20, 2021 10:53 am
Forum: Personal Consumer Issues
Topic: High School Graduation Gifts
Replies: 41
Views: 6055

Re: High School Graduation Gifts

Our standard high school graduation gift is $100 cash. Every high school graduate I’ve ever spoken to on the subject wants cash.
by BedHead2020
Wed Jan 20, 2021 10:52 am
Forum: Personal Consumer Issues
Topic: Engagement Ring
Replies: 140
Views: 7916

Re: Engagement Ring

delamer wrote: Tue Jan 19, 2021 5:31 pm Good experience with Blue Nile. Their website is easy to use.
Same here. I spent a great deal of time on the phone with my blue Nile rep, learning about rings and selecting the perfect engagement ring. I’ve used them many times since and they have been fantastic.
by BedHead2020
Sun Jan 17, 2021 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's access to things after my death
Replies: 74
Views: 6499

Re: Wife's access to things after my death

How about whipping up a financial power of attorney for her in the meantime? This way, if something unexpected happens to you while you’re still restructuring your finances to include her, she has a means of taking necessary care of the finances.
by BedHead2020
Mon Jan 11, 2021 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: life insurance for funding cryonics
Replies: 63
Views: 3234

Re: life insurance for funding cryonics

Besides the fact that this has zero chance of working, you will need a lot more money than just what this service might cost in the future. You will need a ton of money to do whatever you think they will do to you after they warm you to room temperature. It has an admittedly low chance of working. ...
by BedHead2020
Mon Jan 11, 2021 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: life insurance for funding cryonics
Replies: 63
Views: 3234

Re: life insurance for funding cryonics

Besides the fact that this has zero chance of working, you will need a lot more money than just what this service might cost in the future. You will need a ton of money to do whatever you think they will do to you after they warm you to room temperature. It has an admittedly low chance of working. ...
by BedHead2020
Mon Jan 11, 2021 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: life insurance for funding cryonics
Replies: 63
Views: 3234

Re: life insurance for funding cryonics

Pretty much 5 minutes after death, brain damage is occurring. They better have some super fast way to detect the moment of death and get you over there and get it done fast. I have served on a remote cryonics transport team and also participated in the OR procedure to sever the head from the body o...
by BedHead2020
Mon Jan 11, 2021 9:57 am
Forum: Personal Finance (Not Investing)
Topic: life insurance for funding cryonics
Replies: 63
Views: 3234

Re: life insurance for funding cryonics

Shouldn't the life insurance company be able to claw back the money plus interest if you get thawed out and your death is somehow reversed? The payment should be contingent on you being dead. The cryonics organizations will not suspend a person until that person has been declared legally dead by to...
by BedHead2020
Sun Jan 10, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: For those retired or FI, how much do you spend annually?
Replies: 286
Views: 20905

Re: For those retired or FI, how much do you spend annually?

We have tracked every penny spent since we got married. Using this data and applying it to our expected retirement expenses results in $120k, before taxes. This includes everything we could anticipate, including lawn service, gifts, travel, entertainment, dining out, and even a car payment for a hig...
by BedHead2020
Sun Jan 10, 2021 12:50 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15711

Re: Regrets postponing retirement too long?

I’m in a very similar position to the OP. Late 50’s, financially able to retire and just haven’t pushed the button. Males in my family are historically short lived, so that is compelling me to finalize our retirement plans soon. Like others have said, time is precious. My brother once said to me “n...
by BedHead2020
Sun Jan 10, 2021 12:10 pm
Forum: Personal Consumer Issues
Topic: Regrets postponing retirement too long?
Replies: 171
Views: 15711

Re: Regrets postponing retirement too long?

I’m in a very similar position to the OP. Late 50’s, financially able to retire and just haven’t pushed the button. Males in my family are historically short lived, so that is compelling me to finalize our retirement plans soon. Like others have said, time is precious. My brother once said to me “no...
by BedHead2020
Sun Jan 10, 2021 11:51 am
Forum: Personal Consumer Issues
Topic: Tesla [car] purchase any significant downside?
Replies: 150
Views: 9870

Re: Tesla [car] purchase any significant downside?

I have over 200,000 miles over three Teslas owned. One of my current ones has 110,000 miles. If I can avoid it, I’ll never go back to a gasoline car and I’ve been thrilled with all my Teslas. I don’t see another BEV manufacturer knocking them off their perch for the foreseeable future. The service e...
by BedHead2020
Fri Jan 08, 2021 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any couples out there who retired at different times?
Replies: 26
Views: 2480

Re: Any couples out there who retired at different times?

While you did not specify your ages, bear in mind that, as you get older, you become less able and less inclined to do many things. I know someone who retired and his wife died within the year. That's tragic. Not enough time to enjoy the fruits of their labors together. We are both in our late 50's...
by BedHead2020
Fri Jan 08, 2021 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Any couples out there who retired at different times?
Replies: 26
Views: 2480

Any couples out there who retired at different times?

I may be ready to retire before my wife is. The numbers work for us to retire now, if we want, but she's thinking of leaving the consulting life and accepting a high level position with a favorite client. She said she would like to work that role for at least a couple of years before hanging up her ...
by BedHead2020
Wed Jan 06, 2021 12:17 pm
Forum: Personal Consumer Issues
Topic: iphone 12 pro max review
Replies: 7
Views: 781

Re: iphone 12 pro max review

One of my colleagues just purchased the iPhone 12 Pro Max and spoke of what he said was a known issue: The cellular service often drops completely when switching from one cell tower to another, requiring him to toggle Airplane Mode on and off to restore cellular service. Have you experienced this be...
by BedHead2020
Tue Jan 05, 2021 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: 25x expenses- does it take into account social security?
Replies: 39
Views: 5336

Re: 25x expenses- does it take into account social security?

25X, 30X, 50X are just simple checks. Sort of like answering the question "Do we have any chance whatsoever to retire with this amount of savings?". Retirement, and life doesn't come with even expenses that are periodically exactly the same. You need to pay for a new roof. You get an inhe...
by BedHead2020
Mon Jan 04, 2021 4:31 pm
Forum: Personal Consumer Issues
Topic: Any multimillionaire's (more than 2mm) out there still mow their own lawn?
Replies: 341
Views: 25980

Re: Any multimillionaire's (more than 2mm) out there still mow their own lawn?

I hate yardwork. I didn’t mow my own lawn even when I was poor.
by BedHead2020
Sun Jan 03, 2021 9:08 pm
Forum: Personal Consumer Issues
Topic: Feedback on Apple Pro XDR Display
Replies: 4
Views: 556

Re: Feedback on Apple Pro XDR Display

I have yearned for one of these monitors from the moment they unveiled it. I did spring for the 2019 MacPro because I buy a new Mac tower about every ten years but as much as I want it, I haven’t been able to justify the $6k monitor for myself.
by BedHead2020
Sat Jan 02, 2021 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Chase not honoring sign up bonus offer
Replies: 6
Views: 939

Re: Chase not honoring sign up bonus offer

You could maybe try one of the web archive wayback sites to see if you could find the dated offer page.
by BedHead2020
Sat Jan 02, 2021 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tips to track monthly budget
Replies: 51
Views: 3722

Re: Tips to track monthly budget

cshell2 wrote: Mon Dec 28, 2020 2:42 pm I still use the old YNAB4. They'll have to drag me kicking and screaming into a subscription service. :wink:
This.

While I understand the motivation for a developer to prefer a subscription model, as a consumer I hate subscriptions to most anything.
by BedHead2020
Tue Dec 29, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 493
Views: 139251

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

It was my browser after all. I tried something other than Safari and it worked perfectly.
by BedHead2020
Tue Dec 29, 2020 1:39 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 493
Views: 139251

Has anyone downloaded the spreadsheet?

I've recently purchased "Living Off Your Money," and have been trying to download the accompanying spreadsheet from the author's book site, to no avail. The spreadsheet download page is a confusing mess that involves a fake purchase for $0 and the use of some app called Gumroad, which fail...
by BedHead2020
Fri Dec 25, 2020 1:00 am
Forum: Personal Finance (Not Investing)
Topic: [How to get paid for tutoring math]
Replies: 10
Views: 1185

Re: [How to get paid for tutoring math]

My nephew tutored math very successfully for years. At his peak he was tutoring more than 40 students per week at $50/hr. Some were in-person at his home classroom (converted dining room) and some were online via Skype calls. He even had a little waiting room (converted living room) for the parents.
by BedHead2020
Wed Dec 23, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16590

Re: Best < $100 purchase?

Condoms in my 20’s...
by BedHead2020
Thu Dec 17, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3916

Re: is it ok to download Big Sur for MAC yet??

I see that the .2 release of Big Sur just went out to the beta testers. Its focus is reportedly on bug fixes. I'll probably take a chance and upgrade after .2 is released. I haven't been a fan of Catalina. It seems that Apple's OS's have been getting buggier and buggier over the years. I still belie...
by BedHead2020
Thu Dec 17, 2020 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand this term life policy
Replies: 15
Views: 751

Re: Help me understand this term life policy

Thanks, Gang. Thanks to your insights, this statement makes sense to me now. Part of me thinks that insurance companies intentionally make these things more confusing than they need to be just so people will call their agents and ask questions, thereby giving the agents an opportunity to upsell more...
by BedHead2020
Wed Dec 16, 2020 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand this term life policy
Replies: 15
Views: 751

Re: Help me understand this term life policy

So it's still not clear to me what the purpose is of the statement "Coverage Ends: 11/28/2058." If I elect to extend the policy past its 15 year term, then presumably that would be for some sort of whole life policy, so how can that have an end date? Is this saying that no matter what, the...
by BedHead2020
Wed Dec 16, 2020 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand this term life policy
Replies: 15
Views: 751

Help me understand this term life policy

I'm reviewing various documents as part of year-end housekeeping and I'm trying to understand some language that's in a term life policy that we have on my spouse. The policy issue date is 11/28/2016 with a 15 year term. On page 2, there's a heading entitled "Total Coverage" with these ent...
by BedHead2020
Tue Dec 15, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: what's the best service to digitize my photo negatives?
Replies: 13
Views: 1097

Re: what's the best service to digitize my photo negatives?

I've used ScanCafe for slides and negatives and have been very happy. All of their scanning is done domestically now, I believe, as opposed to shipping the materials to India, which is what they did in the past.
by BedHead2020
Mon Dec 07, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Are password managers safe to use?
Replies: 360
Views: 17636

Re: Are password managers safe to use?

Most likely they are safe, but to make it even safer I use one that does not store data in the cloud. I use variations of KeePass. This. I’m not comfortable storing my passwords in the cloud, so I use the local version of 1Password. While 1PW does have a cloud based subscription version, I still us...
by BedHead2020
Sun Dec 06, 2020 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 184637

Re: How much money do you want to retire?

How the heck is everyone getting their annual expenses down so low?!?! We’ve tracked our expenses to the penny for our entire married life and, even when accounting for being empty nesters and having no mortgage, our expected annual retirement expenses are more than double the $40k-$50k that I’m se...
by BedHead2020
Sun Dec 06, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 1367
Views: 184637

Re: How much money do you want to retire?

How the heck is everyone getting their annual expenses down so low?!?! We’ve tracked our expenses to the penny for our entire married life and, even when accounting for being empty nesters and having no mortgage, our expected annual retirement expenses are more than double the $40k-$50k that I’m see...
by BedHead2020
Sun Dec 06, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: seeking a job in statistics
Replies: 33
Views: 2753

Re: seeking a job in statistics

If her specialty is biostatistics then the major insurance carriers would swoop her up in an instant. A friend of mine at Blue Cross and Blue Shield HQ here in TX says that the biostatisticians there are treated like the royalty of the organization.
by BedHead2020
Sun Dec 06, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Predicting health care costs in retirement
Replies: 22
Views: 1576

Re: Predicting health care costs in retirement

I’m also budgeting $1000/person/month for health insurance premiums in my “can we retire yet?” calculations. I’m hoping that this, plus another $500/month each for copays, prescriptions, and other medical expenses will be sufficient until the Medicare years begin.
by BedHead2020
Thu Dec 03, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone used Income Strategy website/software?
Replies: 66
Views: 16983

Re: Has anyone used Income Strategy website/software?

For those of you who have used or are using Income Strategy, can you tell me if their system is capable of handling an inherited (non-spouse) IRA that is using life expectancy-based RMDs? I have one of these and have been taking RMDs for a few years now (except 2020, of course). None of the online ...
by BedHead2020
Thu Dec 03, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used Income Strategy website/software?
Replies: 66
Views: 16983

Re: Has anyone used Income Strategy website/software?

For those of you who have used or are using Income Strategy, can you tell me if their system is capable of handling an inherited (non-spouse) IRA that is using life expectancy-based RMDs? I have one of these and have been taking RMDs for a few years now (except 2020, of course). None of the online r...
by BedHead2020
Tue Dec 01, 2020 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Tracking Software
Replies: 35
Views: 3577

Re: Personal Finance Tracking Software

We like Banktivity but they’ve recently switched to a subscription model. We’re going to stick with the single purchase version as long as we can.
by BedHead2020
Sun Nov 29, 2020 1:53 pm
Forum: Personal Consumer Issues
Topic: Food Safety -- Let Me Have It!
Replies: 37
Views: 3671

Re: Food Safety -- Let Me Have It!

If the brisket was sealed and still had ice crystals I’d totally trust it. Same with any of it that had ice crystals. It’s basically no different than thawing those things in the fridge. You’d wait until they were mostly thawed, perhaps with some ice crystals in them, and cook them up.
by BedHead2020
Sat Nov 28, 2020 9:29 pm
Forum: Personal Consumer Issues
Topic: Switching to Ooma
Replies: 48
Views: 3284

Re: Switching to Ooma

We love Ooma. We pay for the premium service and find it worth it. We filter our calls by creating a white list of all our friends and professional relationships and set Ooma to send anyone not on our white list to voicemail and not even ring our phone. Virtually all robocallers hang up without leav...
by BedHead2020
Fri Nov 27, 2020 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: What do we know about 2021 RMDs?
Replies: 13
Views: 1925

Re: What do we know about 2021 RMD

Trying to understand how this works: I’m a non-spouse beneficiary of an IRA from 2016. Since then, I’ve been using the life expectancy RMD method that was mandated at the time of my inheritance. Does this mean that these new RMD tables would apply to me or am I only allowed to use the RMD method tha...
by BedHead2020
Wed Nov 25, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6724

Re: What Outlets in preparation for electric cars?

One nit to pick: Voltage in the US hasn’t been 110/220 since the 80’s, when it became 120/240. :happy Wow. Thank you. (not being ironic or sarcastic). I did not realise that. I was in North America at the time but did not know that it had taken place. Do you have a reference for me to understand th...
by BedHead2020
Tue Nov 24, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: What Outlets in preparation for electric cars?
Replies: 100
Views: 6724

Re: What Outlets in preparation for electric cars?

One nit to pick: Voltage in the US hasn’t been 110/220 since the 80’s, when it became 120/240. :happy