Search found 526 matches

by Shackleton
Fri Apr 09, 2021 3:24 pm
Forum: Personal Consumer Issues
Topic: Definition of one more year (OMY).
Replies: 41
Views: 3751

Re: Definition of one more year (OMY).

OMY can happen on all kinds of reasons. I just updated (OMY'ed) myself upon realizing ACA portion was probably underestimated at 6k/year, now 10k/year. Another big factor is inflation, as prices may have inflated between when you planned your estimates vs when you're actually retiring. What made yo...
by Shackleton
Mon Mar 29, 2021 9:21 am
Forum: Personal Consumer Issues
Topic: New grill: gas vs. pellet
Replies: 50
Views: 4015

Re: New grill: gas vs. pellet

Late to the party here, but we have the Green Mountain Grill Daniel Boone WiFi model, and it can both sear and smoke. For steaks, we set it at 475, takes about 15 min to heat up, then put the steaks on usually for 7-8.5 min per side depending on thickness of the steak. That is for medium rare. Resul...
by Shackleton
Mon Mar 29, 2021 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Should I quit/retire? Not a financial matter
Replies: 35
Views: 3496

Re: Should I quit/retire? Not a financial matter

I’ll chime in since I went through something similar recently. I was hired in fall 2020 to take on a critical responsibility for my mega Corp. While I wasn’t building a team, it required getting consensus and buy-in from people in groups all across the company, changing how people fundamentally appr...
by Shackleton
Sun Mar 28, 2021 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle Insurance for Ebike?
Replies: 14
Views: 1138

Re: Bicycle Insurance for Ebike?

WhyNotUs wrote: Sun Mar 28, 2021 4:13 pm
Shackleton wrote: Sun Mar 28, 2021 2:08 pm We own approximately $75,000 in bikes, including one that was $8,500 (discounted from $10k!) When I asked our insurance company if we needed a rider for them, we were told they are all covered.
Making me feel better about myself, thanks
We have a bike problem.... :D
by Shackleton
Sun Mar 28, 2021 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle Insurance for Ebike?
Replies: 14
Views: 1138

Re: Bicycle Insurance for Ebike?

We own approximately $75,000 in bikes, including one that was $8,500 (discounted from $10k!) When I asked our insurance company if we needed a rider for them, we were told they are all covered.
by Shackleton
Sat Mar 27, 2021 8:40 am
Forum: Personal Consumer Issues
Topic: Bad Breath: Solutions, Products?
Replies: 19
Views: 1175

Re: Bad Breath: Solutions, Products?

Do you not brush morning and night and floss at least once per day? That is the first step. I can’t imagine not doing those things. Next up is scraping your tongue (which is amazing to see what comes off it.) Follow that with any mouthwash and you’ve covered the most obvious causes of bad breath. Ba...
by Shackleton
Sat Mar 27, 2021 8:36 am
Forum: Personal Investments
Topic: Question to current retirees
Replies: 14
Views: 2124

Re: Question to current retirees

I retired almost three months ago at the age of 53. My husband has been retired for almost 6 years. It has reduced my stress immensely and increased my enjoyment of life. I have a lot of hobbies and activities (Xc skiing and mountain biking, playing piano and guitar, volunteering, playing video game...
by Shackleton
Mon Mar 15, 2021 9:51 am
Forum: Personal Consumer Issues
Topic: Contractor installed floating hardwood floor - extremely noisy
Replies: 37
Views: 2550

Re: Contractor installed floating hardwood floor - extremely noisy

Regarding reusing the boards if you hire someone to fix it, I would think that would only work if you kept the same orientation in the hallway since the boards would have been cut to short lengths for that section. And they might have to keep every board in the same location so they all fit perfectl...
by Shackleton
Thu Mar 04, 2021 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Calling boglehead physicians who(m) have done locums
Replies: 14
Views: 1517

Re: Calling boglehead physicians who(m) have done locums

It’s “who”, not “whom”. Easy way to know when to use which is try the sentence with “he” and “him”. If “him” is correct, then “whom” is also correct. He has done locums. Him has done locums. Therefore, it’s “Physicians who have done locums” For whom the bell tolls Which proves the point “the bell t...
by Shackleton
Thu Mar 04, 2021 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Calling boglehead physicians who(m) have done locums
Replies: 14
Views: 1517

Re: Calling boglehead physicians who(m) have done locums

It’s “who”, not “whom”. Easy way to know when to use which is try the sentence with “he” and “him”. If “him” is correct, then “whom” is also correct. He has done locums. Him has done locums. Therefore, it’s “Physicians who have done locums” For whom the bell tolls Which proves the point “the bell t...
by Shackleton
Wed Mar 03, 2021 4:19 pm
Forum: Investing - Theory, News & General
Topic: Thanks to the Bogleheads, I am now (barely) FI
Replies: 26
Views: 4930

Re: Thanks to the Bogleheads, I am now (barely) FI

Ari wrote: Mon Mar 01, 2021 11:54 amThe government takes about 50% of my salary every month. That's a drag, but at least it gives me free healthcare.
You do see that the healthcare isn’t really “free”?
by Shackleton
Wed Mar 03, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Calling boglehead physicians who(m) have done locums
Replies: 14
Views: 1517

Re: Calling boglehead physicians who(m) have done locums

It’s “who”, not “whom”. Easy way to know when to use which is try the sentence with “he” and “him”. If “him” is correct, then “whom” is also correct.

He has done locums.
Him has done locums.

Therefore, it’s “Physicians who have done locums”
by Shackleton
Tue Mar 02, 2021 10:29 am
Forum: Personal Consumer Issues
Topic: snow plow pricing
Replies: 42
Views: 2966

Re: snow plow pricing

I live in a slowly, mountain resort area, over 300” of snow/season on average. It costs a minimum of $100/plow job to get anyone to commit to put you on their list of regular customers, and since our driveway is about 500’ long, sloped and curving, we were looking at more like $200/plow for a 3” sno...
by Shackleton
Tue Mar 02, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Podcasts - health/wellness/aging?
Replies: 13
Views: 852

Re: Podcasts - health/wellness/aging?

Not sure if he has a podcast, but the book “Lifespan” by Dr. David Sinclair is very good. It explains the medical parts quite well.
by Shackleton
Sat Feb 27, 2021 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care Insurance
Replies: 418
Views: 20897

Re: Long Term Care Insurance

Hubby and I have LTC policies through Genworth. Total cost is $2500/yr. I’m 54 and he’s 65. 90 day elimination period and $215/day. Net worth is $2.5M, but $1M is home equity.
by Shackleton
Thu Feb 25, 2021 7:19 pm
Forum: Personal Investments
Topic: Dream garage/workshop, or college savings?
Replies: 43
Views: 3462

Re: Dream garage/workshop, or college savings?

As someone with a 1900 sf garage/workshop ( with radiant floor heating, although since it’s built into a hillside, the heat rarely comes on and it stays at 55-57 degrees year round, even in our long Rocky Mountain winters), I say...
BUILD THE GARAGE!!!
by Shackleton
Wed Feb 24, 2021 5:27 pm
Forum: Personal Consumer Issues
Topic: Contractor Issues with Remodel
Replies: 64
Views: 3762

Re: Contractor Issues with Remodel

I just remodeled the whole house. As work progresses there are things that change and agreed upon. Not everything is put in writing as that just adds to the management costs. If the guy has time & materials into the change then just pay him. $3,000 in additional costs for a master bath is nothi...
by Shackleton
Mon Feb 22, 2021 12:22 am
Forum: Personal Consumer Issues
Topic: Hot Tub
Replies: 40
Views: 6807

Re: Hot Tub

We live in (well, outside or near) a mountain resort town and love sitting in the hot tub after a day of xc skiing. We have a Bullfrog A7L. Bullfrog tubs are nice because you get to select the jet pack configuration for each seat. They also are well insulated which is important when you live at 9000...
by Shackleton
Sat Feb 20, 2021 5:59 pm
Forum: Personal Consumer Issues
Topic: A boat for old knees
Replies: 46
Views: 3540

Re: A boat for old knees

Not sure if it will accommodate a canoe, but I plan to get two Thule Hullavators for our 14’ kayaks when we can no longer lift them onto the SUV.

https://www.thule.com/en-us/winter-and- ... -_-1685448
by Shackleton
Sat Feb 20, 2021 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Advice: Car... to buy or not..
Replies: 17
Views: 1491

Re: Advice: Car... to buy or not..

Sounds good to me. You have my blessing. Might want to keep the Mazda for the 14year old to drive in a few years.
by Shackleton
Fri Feb 19, 2021 7:08 pm
Forum: Personal Investments
Topic: 31yo contemplating early retirement
Replies: 142
Views: 12600

Re: 31yo contemplating early retirement

...since i wont be able to touch my reitrement accounts until 59. https://www.madfientist.com/how-to-access-retirement-funds-early/ Oh wow didn't know this ! Amazing... So it seems like I may be able to use my retirement funds way earlier than I expected. Awesome thanks for the info. Just think of ...
by Shackleton
Fri Feb 19, 2021 7:05 pm
Forum: Personal Consumer Issues
Topic: Pianists - Digital Piano or Keyboard recommendation
Replies: 26
Views: 2006

Re: Pianists - Digital Piano or Keyboard recommendation

I bought a Roland RP501R earlier this year for $1699 (with bench) and love it. I have a very nice spinet in storage, but where I live, the humidity is so low that it wouldn’t be good for the sound board. I plan to give away the spinet when I clean out the storage unit in May. The Roland RP102 is als...
by Shackleton
Fri Feb 19, 2021 1:09 pm
Forum: Personal Investments
Topic: 31yo contemplating early retirement
Replies: 142
Views: 12600

Re: 31yo contemplating early retirement

...since i wont be able to touch my reitrement accounts until 59. https://www.madfientist.com/how-to-access-retirement-funds-early/ Oh wow didn't know this ! Amazing... So it seems like I may be able to use my retirement funds way earlier than I expected. Awesome thanks for the info. Just think of ...
by Shackleton
Mon Feb 15, 2021 5:41 pm
Forum: Personal Consumer Issues
Topic: Space X Starlink Internet
Replies: 118
Views: 8152

Re: Space X Starlink Internet

We signed up, paid the money and I’m anxiously awaiting a ship date for our dish. We live in a rural county with no good internet options at our house. We currently pay $80/month for 8Mbps service with about 100ms latency. The app shows we have two options for locations for the dish.
by Shackleton
Sun Feb 07, 2021 9:12 am
Forum: Personal Consumer Issues
Topic: Mazda CX-5 - seat comfort question?
Replies: 67
Views: 8711

Re: Mazda CX-5 - seat comfort question?

I realize the OP was from Jan 2020 so that person has probably already purchased a vehicle. But in the interest of giving more input to others, I own a 2018 CX-5 Grand Touring , have put 30k miles on it, including a 6 day trip from CO>FL>FL and don’t find any problems with the seats. I am 6’1”, and ...
by Shackleton
Tue Feb 02, 2021 12:09 am
Forum: Personal Consumer Issues
Topic: Miles Davis Concert in Chicago (Early 70's): Date and Venue?
Replies: 9
Views: 891

Re: Miles Davis Concert in Chicago (Early 70's): Date and Venue?

No idea. But I always like to mention that I met him when he came to look at a horse I had for sale. Very nice man.
by Shackleton
Mon Feb 01, 2021 9:48 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 206
Views: 22705

Re: Roll Call for the Retirement Class of 2021!

Just wanted to report that I officially graduated to retirement on Jan 8th and it’s been as wonderful as I expected. I’d post more but need to play fetch with the dog, then go xc skiing. :D Big congratulations Shackleton! Welcome to the sunny side of the street :D Playing fetch with your dog and cr...
by Shackleton
Thu Jan 28, 2021 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Downsizing from big to small house -- down payment questions
Replies: 24
Views: 1973

Re: Downsizing from big to small house -- down payment questions

BTW, I don’t think it’s realistic to expect to close on the new home in 1-2 weeks when you are having to get a mortgage. At least in our area, appraisals are taking 2 weeks to get scheduled. I would think that 3 weeks would be the minimum amount of time for closing when not paying cash.
by Shackleton
Tue Jan 26, 2021 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4645

Re: How much tax burden is too much?

I’m in Colorado. Our house was $825k in 2019, now valued at $950k. Just got the tax bill for 2020 and it is $2710 for the year. Your mill levy must be vastly different than mine. Haven't seen the 2020 bill yet, but my house is valued a bit more than yours and the prop tax bill last year was $5500+ ...
by Shackleton
Mon Jan 25, 2021 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4645

Re: How much tax burden is too much?

Interesting topic. I may pull the plug and move to Texas this year. The Property Tax rate looks high. Correct me if I'm wrong, but it looks like it's often 2.0-3% of assessed value. As an example, here is a random house I picked on Zillow from Frisco TX: https://www.zillow.com/homedetails/12214-Lim...
by Shackleton
Mon Jan 25, 2021 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much tax burden is too much?
Replies: 64
Views: 4645

Re: How much tax burden is too much?

I’m in Colorado. Our house was $825k in 2019, now valued at $950k. Just got the tax bill for 2020 and it is $2710 for the year. We pay 4.63% income tax. We do have high sales tax rate of 8.2% in the local town, but since we live outside of town limits, we only pay 4.2% for items purchased online (th...
by Shackleton
Mon Jan 25, 2021 12:00 am
Forum: Personal Consumer Issues
Topic: Costco Allstate Protection Plan for TVs
Replies: 15
Views: 1753

Re: Costco Allstate Protection Plan for TVs

I'm wondering whether anyone has experience filing a claim with Costco's Allstate plan for damage under their TV protection plans. I'm specifically concerned that a power surge might fry my TV. Many thanks for sharing your experiences. Get a surge protector, problem solved. Never pay for extended w...
by Shackleton
Sun Jan 24, 2021 2:08 pm
Forum: Personal Consumer Issues
Topic: Costco Allstate Protection Plan for TVs
Replies: 15
Views: 1753

Re: Costco Allstate Protection Plan for TVs

Cruise - maybe you should have put your question in BOLD since people seem to be having trouble noticing the question implied in your first sentence :D

No experience, just sympathy for people not reading your question properly.
by Shackleton
Sat Jan 16, 2021 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Leaving FA - had the convo, could use some support!
Replies: 31
Views: 2817

Re: Leaving FA - had the convo, could use some support!

I’m not clear why you even feel the need to tell FIL that you are moving away from the FA. It is not his business and has no impact on him. Oversharing information, especially financial information, is never a good idea.
by Shackleton
Wed Jan 13, 2021 11:10 pm
Forum: Personal Consumer Issues
Topic: Massage Tool
Replies: 18
Views: 1288

Re: Massage Tool

RJC wrote: Wed Jan 13, 2021 10:56 pm The original Thera Cane.
I was going to suggest the same! I love ours.
by Shackleton
Wed Jan 13, 2021 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How Do People Without Computer Access Prepare and File Their Taxes?
Replies: 94
Views: 9955

Re: How Do People Without Computer Access Prepare and File Their Taxes?

Do the forms say 2020 at the top? Those are the current tax forms. The forms for the 2021 tax year won’t be available until next year around this time.
by Shackleton
Wed Jan 13, 2021 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Got a job offer for $840k/yr. Should I come out of retirement?
Replies: 229
Views: 29055

Re: Got a job offer for $840k/yr. Should I come out of retirement?

OP, I was a professional horse trainer (hunter/jumper) for many years. And also competed in triathlons so I’ve done running/swimming, (including the Escape from Alcatraz tri.) I also have been very involved in shooting for 20 years. I always wanted to take up the epee so that I could compete at mode...
by Shackleton
Tue Jan 12, 2021 10:43 am
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 206
Views: 22705

Re: Roll Call for the Retirement Class of 2021!

Just wanted to report that I officially graduated to retirement on Jan 8th and it’s been as wonderful as I expected. I’d post more but need to play fetch with the dog, then go xc skiing. :D
by Shackleton
Sun Jan 10, 2021 10:56 am
Forum: Personal Consumer Issues
Topic: How did you choose a location to retire?
Replies: 113
Views: 10332

Re: How did you choose a location to retire?

4 years ago we realized we spent all of our vacation weekends at the same place, summer and winter. My husband had been retired for 2 years and I could work remotely, so we moved to the area. Now that I’m retired, everyday is a vacation!
by Shackleton
Sat Jan 09, 2021 9:36 am
Forum: Personal Consumer Issues
Topic: Is working overrated?
Replies: 31
Views: 1946

Re: Is working overrated?

Today is my first day of retirement. I’ve always been a person that liked my work but wasn’t defined by my work. And for the people that say the “work makes you productive and gives you purpose” — that is fine if that is how YOU make yourself productive, but there is no requirement that a person mus...
by Shackleton
Thu Jan 07, 2021 9:53 am
Forum: Personal Consumer Issues
Topic: Amazon delivery preference
Replies: 21
Views: 1471

Re: Amazon delivery preference

I live in a rural area that doesn’t have home mail delivery— we must have a PO Box at the local post office. Our service there is very bad - slow delivery times, missing packages, long lines to pickup packages. My husband called Amazon customer service to ask about having either FedEx or UPS (both o...
by Shackleton
Wed Jan 06, 2021 11:09 am
Forum: Personal Finance (Not Investing)
Topic: when to convert t-ira to roth to avoid rmd
Replies: 10
Views: 956

Re: when to convert t-ira to roth to avoid rmd

Don't know what your situation is, but a small tIRA won't kill you. Remember if MFJ at tax time you've got over $27000 standard deduction to eat up some income. Plus qualified dividends and capital gains have lots of space at 0% tax bracket. Do some tax planning to see what your RMDs do to your ove...
by Shackleton
Wed Jan 06, 2021 9:56 am
Forum: Personal Finance (Not Investing)
Topic: when to convert t-ira to roth to avoid rmd
Replies: 10
Views: 956

Re: when to convert t-ira to roth to avoid rmd

Don't know what your situation is, but a small tIRA won't kill you. Remember if MFJ at tax time you've got over $27000 standard deduction to eat up some income. Plus qualified dividends and capital gains have lots of space at 0% tax bracket. Do some tax planning to see what your RMDs do to your ove...
by Shackleton
Fri Jan 01, 2021 9:15 am
Forum: Personal Finance (Not Investing)
Topic: So what kind of raise did you guys get for 2021?
Replies: 222
Views: 16882

Re: So what kind of raise did you guys get for 2021?

3.5% but that was just to adjust salaries based on a change to the bonus structure. Performance evaluations come out later in the month and raises based on PE will be announced by the end of January. But I won’t be getting one since I’m retiring next week. :D
by Shackleton
Tue Dec 29, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: how do you start your day?
Replies: 20
Views: 1382

Re: how do you start your day?

Wake around 7am. 2 cups of black coffee. Walk and feed the dog. If it’s winter, check the snow temps and decide if I need to rewax my xc skis, then go skiing for an hour or two. If it’s summer, hop on the mountain bike before it gets too warm (which in my book is anything above 75degrees F). Then sh...
by Shackleton
Mon Dec 28, 2020 11:04 am
Forum: Non-US Investing
Topic: I want 15% yearly ROI. How to go about it? [Croatia]
Replies: 135
Views: 10861

Re: I want 15% yearly ROI. How to go about it?

Save 50% of your gross income. You'll likely do very well. Amen! So many people are looking for the magic bullet. Sad. If someone is willing to accept "any risk" for 15%--may I suggest simply getting a second job? For the OP. Take money to Casino. Bet either Odd/Even or Red/Black. You hav...
by Shackleton
Sun Dec 27, 2020 9:45 am
Forum: Personal Consumer Issues
Topic: Pet food delivery services
Replies: 53
Views: 2556

Re: Pet food delivery services

Out of curiosity, I checked my last three orders from Chewy, and they came from Goodyear AZ, Dallas TX and McCarran NV. I’m in the mountains of northern CO.
by Shackleton
Fri Dec 25, 2020 7:41 pm
Forum: Personal Consumer Issues
Topic: Health Trackers?
Replies: 10
Views: 829

Re: Health Trackers?

I have an old Garmin that I use to record my workouts (MTB in summer and XC skiing in winter. Walking the dog doesn’t count as exercise in my book since we only go about 2 miles/day right now as he’s a puppy.) I generally workout 5 days/week but expect to add an additional day per week when I retire...
by Shackleton
Fri Dec 25, 2020 5:39 pm
Forum: Personal Consumer Issues
Topic: Pet food delivery services
Replies: 53
Views: 2556

Re: Pet food delivery services

I don’t buy food from Chewy, but I do purchase lots of training treats, toys and various other things. Even though we live in a small, mountain town, we always receive our orders very quickly without any damage delivered by FedEx. I highly recommend Chewy. The one time we had a problem with the wron...