Search found 87 matches

by camper1
Thu Oct 01, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Favorite Camping Gear
Replies: 71
Views: 5350

Re: Favorite Camping Gear

1. Rockpals 300w portable power pack-great for filling airbed, CPAP power, charge phones, laptop, lights, etc... 2. Queen size 24" high inflatable mattress- game changer if you need a good night sleep and high enough to easily get in and out of 3. CORE 4 person easy- up tent with 6ft center hei...
by camper1
Thu Jul 16, 2020 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Bored to Tiers: banking perks don’t seem worth it
Replies: 40
Views: 5161

Re: Bored to Tiers: banking perks don’t seem worth it

Does the B of A Cash Rewards card offer purchase protection similar to the Chase Rewards card? I have twice utilized it with Chase to extend the warrant protection on products and find it a very useful perk. I looked online and could find no mention of it, so I'm assuming not.
by camper1
Fri Jun 12, 2020 10:58 am
Forum: Personal Investments
Topic: Unknown cost basis
Replies: 4
Views: 616

Unknown cost basis

I have approx. 3000 shares of a highly appreciated Janus mutual fund purchased in 1996 which I am trying to liquidate over time to reinvest in S&P 500 Index fund. I have been on the phone with Janus and they have been unable to locate any information on the original purchase date and cost basis....
by camper1
Wed May 27, 2020 9:41 am
Forum: Personal Consumer Issues
Topic: The "Best of" for Aldi?
Replies: 135
Views: 12129

Re: The "Best of" for Aldi?

Both their whole bean and pre-ground coffee. Better than coffee that's 2-3 times the price.
by camper1
Mon Mar 16, 2020 7:58 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund year end capital losses vs gains distribution?
Replies: 1
Views: 102

Mutual Fund year end capital losses vs gains distribution?

I have had yearly capital gains distributions from my mutual funds which are then taxed as capital gains. My understanding is that these are based on gains achieved on stocks sold during the year by the mutual fund (not me selling the fund). However, if at years end, the mutual fund actually sold sh...
by camper1
Thu Mar 12, 2020 11:19 am
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 27213

Re: Who is staying course and how are you dealing with net worth going down?

I listen to "A Guided Meditation For When the Stock Market Is Falling" by JL Collins author of "The Simple Path to Wealth :happy

https://www.youtube.com/watch?v=OOGU94eL07E

Works wonders!
by camper1
Sat Dec 14, 2019 3:51 pm
Forum: Personal Consumer Issues
Topic: Lodging in Rome
Replies: 30
Views: 2345

Re: Lodging in Rome

If you are looking for unique inexpensive lodging and only need the basics, consider a monastery stay. We have had very good experiences with the couple we have done. They are often run by nuns in Rome. (No need to be of any specific religious denomination). Be aware some may have curfews, which wil...
by camper1
Mon Oct 21, 2019 2:23 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207169

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

FWIW, I purchased a 2019 Honda Accord with the 1.5T engine in May - same one as being discussed here for the CRV. At the time of my purchase, I was not aware of the oil dilution issue, despite being a frequent bogleheads reader. Perhaps I had come across this thread but thought the issue was specif...
by camper1
Mon Oct 21, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207169

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

I don't believe the problems is gone. Still some complaints being posted on Carcomplaints.com. Same engine as the 2017-2018 with the ineffective software "fix" applied. Maybe you should consider the 2020 CRV Hybrid coming out instead of the flawed 1.5 Turbo (I don't know much about it). h...
by camper1
Mon Oct 21, 2019 9:32 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1212
Views: 207169

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Discovered this thread after searching for posts on new compact SUVs. We are currently looking at purchasing in early 2020. Have looked at 2019 CRV, 2020 Forester and Rav4. Have not yet considered Mazda CX5 because of smaller cargo space. I was not aware of the OD issue with the CRV until reading th...
by camper1
Tue Jul 30, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Recommended free fitness apps for Smart TV (Fire TV)
Replies: 7
Views: 583

Re: Recommended free fitness apps for Smart TV (Fire TV)

02nz wrote: Tue Jul 30, 2019 9:00 am Better to look for YouTube videos.
Any recommendations??
by camper1
Tue Jul 30, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: Recommended free fitness apps for Smart TV (Fire TV)
Replies: 7
Views: 583

Recommended free fitness apps for Smart TV (Fire TV)

I have been trying to find some good free daily fitness apps for my FireTV. My frustration has been that after downloading the various "free" apps that look good, they are only free for a trial period of 30 days. The descriptions and reviews don't usually tell you that until downloading an...
by camper1
Sat Jul 27, 2019 10:34 am
Forum: Personal Investments
Topic: Farmland Crowdfunding Website
Replies: 5
Views: 1367

Farmland Crowdfunding Website

Just read an article about www.acretrader.com. They crowdfund farmland only. I have done some investing through real estate crowdfunding websites, with good results for the first few years, but several bad investments with late payments and low interest rates lately have caused me to reconsider and ...
by camper1
Wed Jul 24, 2019 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: If you are already retired.. is this true?
Replies: 49
Views: 6503

Re: If you are already retired.. is this true?

Well, what the article fails to take into acc... Hey wait a minute--that's the Brady Bunch house in the article's photo! https://hookedonhouses.net/wp-content/uploads/2018/08/The-Brady-Bunch-House-11222-Dilling-Street-North-Hollywood.jpg :D I couldn't proceed to do any of the math in the article af...
by camper1
Wed Jul 10, 2019 6:47 pm
Forum: Personal Consumer Issues
Topic: Wyze Cam reviews
Replies: 28
Views: 3126

Re: Wize Cam reviews

Wyzecams are indoor and wired. Arlo can be used outdoor, and are battery powered. Even though they are designed for indoors, you can purchase a weatherproof outdoor case on amazon for around $10.00. I have had one outside to monitor our front door for over a year with no issues. I get immediate not...
by camper1
Mon Jun 24, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rehire and vacation/401k benifits
Replies: 3
Views: 524

Re: Rehire and vacation/401k benifits

Most large employers will have a defined policy for this buried in some HR handbook. They definitely can vary between companies. An example that I've seen is that if the gap between the two full-time jobs is less than the time in the first job, they will fully re-instate vacation accrual rates when...
by camper1
Mon Jun 24, 2019 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Rehire and vacation/401k benifits
Replies: 3
Views: 524

Rehire and vacation/401k benifits

My wife was laid off earlier this year and received severance. When severance ended in May, she was rehired in a "temporary full time position" which ends in August where she received health care benefits, but no vacation or 401k match. There is now a possibility they may rehire her as a p...
by camper1
Tue Jun 04, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 989

Re: ACA Subsidy Elidgibility Question

As others said, you will lose the ACA subsidy for the months your wife is eligible for employer coverage. Would that coverage start day 1? My coverage at my last job started a couple months in. Yes, they have coverage starting day 1. Looks like the best option would be to either see if they would b...
by camper1
Tue Jun 04, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 989

Re: ACA Subsidy Elidgibility Question

So, in this case, I would need to start ACA insurance until June(when eligible for employer plan), be on employer plan until August/Sept.(when temporary job ends), then re-sign up for ACA insurance for the remainder of the year. Each change would start deductibles back to zero. The other option wou...
by camper1
Tue Jun 04, 2019 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 989

Re: ACA Subsidy Elidgibility Question

So, in this case, I would need to start ACA insurance until June(when eligible for employer plan), be on employer plan until August/Sept.(when temporary job ends), then re-sign up for ACA insurance for the remainder of the year. Each change would start deductibles back to zero. The other option woul...
by camper1
Tue Jun 04, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 989

Re: ACA Subsidy Elidgibility Question

Thanks for the replies. So I would have to pay full cost of ACA premium only in the months that HC is available through employer. I assume this is accounted for at the end of the year during tax time? If this is the case would it be difficult to start year on ACA, switch to employer subsidized plan ...
by camper1
Tue Jun 04, 2019 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Subsidy Elidgibility Question
Replies: 13
Views: 989

ACA Subsidy Elidgibility Question

Trying to plan for health care coverage for 2020. This year we are still under COBRA after a job loss. My wife and I are not seeking full time work and are now "semi-retired". We are able to keep our income under the cliff and plan on coverage through the ACA for next year. My wife learned...
by camper1
Thu May 30, 2019 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 180
Views: 19270

Re: Fun paid jobs after FIRE

I used to enjoy going to concerts on a regular basis. With ticket prices as they are, it became very costly and limited me to only going to shows when I really wanted to see a performer. Several years ago I started working at a 2000 seat theater as event staff. We work the doors, help with seating, ...
by camper1
Sun May 05, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 234
Views: 15190

Re: College Expenses

OP, we did the same thing- planned on cost of in-state tuition and told our kids that they are welcome to attend other schools as long as they can afford the additional costs through scholarships, grants, etc... Our 3 oldest boys chose to attend local state school. Our daughter had her heart set on ...
by camper1
Wed Mar 13, 2019 6:42 pm
Forum: Personal Consumer Issues
Topic: Planning Machu Picchu, Inca Trail vs Salkantay?
Replies: 17
Views: 1508

Re: Planning Machu Picchu, Inca Trail vs Salkantay?

We used Llama Path as our outfitter and did the Lares Trek as an alternative to the overcrowded Inca Trail. We were very impressed by both Llama Path and the Lares Trek.
by camper1
Sun Mar 03, 2019 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1592

Re: How will cancelling ACA healthcare mid year effect subsidy?

How much would it cost to continue COBRA per month? How much would the ACA plan cost per month, and what amount of subsidy would you receive? Keep in mind it's a sliding scale, not all or nothing. You might use the calculator to estimate the subsidy at a few different levels of expected income. Let...
by camper1
Thu Feb 28, 2019 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1592

Re: How will cancelling ACA healthcare mid year effect subsidy?

Are you saying you started Cobra in Feb 2019? If yes, unless I am missing something you cannot switch to ACA until Jan 2020 as you will not have a qualifying event in April. Actually, we are covered until April as part of her separation package. From what I understand we can then either continue wi...
by camper1
Thu Feb 28, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: How will cancelling ACA healthcare mid year effect subsidy?
Replies: 17
Views: 1592

How will cancelling ACA healthcare mid year effect subsidy?

I have looked everywhere and even called Healthcare.gov and can't get a straight answer. In fact, they had no clue what I was asking ( just kept reading a script of how subsidy is determined) Hopefully someone here was in similar situation and can help me out. Wife lost job which included family hea...
by camper1
Fri Feb 08, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will contract work effect severance pay?
Replies: 5
Views: 341

Re: Will contract work effect severance pay?

Thanks for the responses! She will definitely discuss with company, but wanted some input if anyone had similar situation.
by camper1
Fri Feb 08, 2019 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Will contract work effect severance pay?
Replies: 5
Views: 341

Will contract work effect severance pay?

My wife lost her job and received a lump sum severance. The severance is equivalent to 17 weeks pay. Her separation contract states that if she is rehired by the company within 17 weeks, a portion of the severance needs to be returned, based on the date of rehire. She was presented with the possible...
by camper1
Thu Jan 10, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: Simultaneous undershirt discussions - Market Indicator?
Replies: 21
Views: 1706

Re: Simultaneous undershirt discussions - Market Indicator?

Sorry if I am a bit giddy, I started the process of cleaning out my office today: It's time for the updated Roll Call for our up-n-coming Retirement Class of 2019! 01 Jan - Tzoellner (60) <<== Welcome to the Class!! 02 Jan - bhsince87 <<== Welcome to the Class!! 05 Jan - Canoesmith 11 Jan - Tycoon ...
by camper1
Sun Aug 26, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Cheaters or prescription bifocals
Replies: 22
Views: 1898

Re: Cheaters or prescription bifocals

These work for me: https://www.amazon.com/Style-BiFocal-Reading-Glasses-Flexibilty/dp/B00BL9JE2Y They are non prescription bifocal reading glasses. You can order the correct magnification for the lower part of the lens and the upper part is just glass with no magnification. Great if you do well with...
by camper1
Sun Jul 15, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 2134

Re: Reading glasses for driving

Please don’t drive and try to read your phone or GPS (this is what the voice directions are for on your GPS). It is EXTREMELY dangerous! Instead, pull over to manipulate your devices - if you do that, you can easily manage a pair of normal reading glasses. +1 Very sensible advice. I agree that you ...
by camper1
Sun Jul 15, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: Reading glasses for driving
Replies: 11
Views: 2134

Re: Reading glasses for driving

Here are what I use: https://www.instyleeyes.com/products/in-style-eyes-reg-enda-middle-bifocal-reading-glasses-look-smart-and-give-you-flexibilty They are pretty good quality and come in various strengths. The rest of the lens, other than the bifocal at bottom, is just glass with no magnification. ...
by camper1
Mon Apr 02, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Advice on Car Repair after Accident (Not at Fault)
Replies: 7
Views: 1103

Re: Advice on Car Repair after Accident (Not at Fault)

I was recently in a similar situation, only it was about a 6 inch dent and some scratches in the fender. I chose to get 2 estimates on my own and then went to the at-fault party insurance adjuster for their estimate. They gave me a choice of repairing the car with their prefered shop, or cut me a ch...
by camper1
Mon Mar 26, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Underrated places to visit in U.S.?
Replies: 126
Views: 15809

Re: Underrated places to visit in U.S.?

Interesting list of underrated places from Lonely Planet:

https://www.lonelyplanet.com/best-in-us
by camper1
Fri Mar 23, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: I’m looking for a word...
Replies: 114
Views: 12457

Re: I’m looking for a word...

The Posting on Bogleheads Effect?
by camper1
Mon Mar 05, 2018 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Here's how much the top 1% of Americans have saved for retirement
Replies: 11
Views: 3816

Re: Here's how much the top 1% of Americans have saved for retirement

Looks like the numbers only include retirement accounts (401k, IRA, ect...) which really means very little. I would imagine that a large majority of their "saved for retirement" money is in non-retirement accounts.
by camper1
Thu Feb 22, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 6846

Re: Chillin' in the BH Lounge

"just bought a rolex"
"bought a 100K car"
Boy, what spendthrifts these bogleheads are!
by camper1
Wed Jan 31, 2018 6:03 pm
Forum: Personal Consumer Issues
Topic: New or used vehicle for new graduate with job?
Replies: 31
Views: 1959

Re: New or used vehicle for new graduate with job?

OP here. Thanks for the variety of responses so far! This gives us some food for thought as we start the process. I appreciate the responses to keep the 99 Camry, but the fact that he may be moving anywhere in the country and returning home for visits warrants a safe, reliable car. Current car has n...
by camper1
Wed Jan 31, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: New or used vehicle for new graduate with job?
Replies: 31
Views: 1959

Re: New or used vehicle for new graduate with job?

My advice would be to set your sights lower on a used vehicle with more miles. You can get very reliable vehicles much cheaper with 120k+ miles on the odometer that will see your new graduate through a handful of years until they are able to afford a new vehicle. Personally saving a few thousand do...
by camper1
Wed Jan 31, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: New or used vehicle for new graduate with job?
Replies: 31
Views: 1959

New or used vehicle for new graduate with job?

Our son is graduating in May and starting his first civil engineering job in June. He worked hard and we are very proud parents :D He will be relocating (company sends engineers to various projects around the country-typically relocate every 1-2 years). He needs to replace his current 1999 Toyota Ca...
by camper1
Mon Jan 29, 2018 9:08 am
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 20
Views: 2051

Re: Book for new college graduate

I wanted to revive this thread with another recommendation. For Christmas we bought our soon-to-graduate son The Simple Path to Wealth by JL Collins. I read it also before we wrapped it :D It was perfect for him. He read it cover to cover and even ask my opinion on things such as buying a new vs use...
by camper1
Sat Jan 27, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 13059

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I don't buy phones. I just take my kids hand-me-downs when they "need" a new phone :D
by camper1
Tue Jan 09, 2018 2:34 pm
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 1351

Re: New York City Restaurant Week Suggestions

Thanks for all the great suggestions so far. Gives us a good list to start with!
by camper1
Mon Jan 08, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 1351

Re: New York City Restaurant Week Suggestions

2 pieces of advice. I lived in NYC for 8 years and ate out a LOT.... 1. Restaurant week is good, but it's definitely not the same as going and paying full price in many cases. Some places participate more than others. e.g. 21 Club was awesome, Le Cirque was terrible. It's great to be able to try th...
by camper1
Mon Jan 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 1351

Re: New York City Restaurant Week Suggestions

Can you give an address (general location of street and avenue), because East and West can be a LONG walk.
[/quote][/quote]

Thanks for the suggestions they sound great! Will be staying Broadway and 54th St, but willing to walk/uber for a good restaurant.
by camper1
Mon Jan 08, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: New York City Restaurant Week Suggestions
Replies: 15
Views: 1351

New York City Restaurant Week Suggestions

My wife and I will happen be in New York City during Restaurant Week (Jan 22-Feb 9)this winter. We are interested in using the opportunity to eat at several restaurants (lunch or dinner) that we normally would not choose. Dinners are $42.00 and lunches $29.00 for a fixed menu, which seems like a gre...
by camper1
Sun Nov 19, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: Book for new college graduate
Replies: 20
Views: 2051

Re: Book for new college graduate

Must be a popular subject....I just logged on to ask the same question. Hope you don't mind if I piggyback! In my case our son was just offered his first civil engineering job and if he accepts will be in a position with a very good salary but will be relocating to an unknown location and probably b...