Search found 248 matches

by simmias
Mon Mar 08, 2021 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: 35 and thinking about early retirement or partial retirement
Replies: 131
Views: 13752

Re: 35 and thinking about early retirement or partial retirement

bwalling wrote: Mon Mar 08, 2021 12:49 pm
poker27 wrote: Sun Mar 07, 2021 1:08 pm After you have FU $, your job may be more enjoyable.
Narrator: it is not.
LOL. It actually became less enjoyable to me because of the reality that I was wasting life energy for money that I didn't need.
by simmias
Wed Jan 20, 2021 3:35 pm
Forum: Investing - Theory, News & General
Topic: Are We in Another Housing Bubble? (Charlotte NC region)
Replies: 59
Views: 4897

Re: Are We in Another Housing Bubble? (Charlotte NC region)

Hey! I live in Charlotte! We have less inventory for the region than we have ever had going back to when they started to track the stuff. Right now we're at 0.8 months of inventory, which means if no new listings were added, we'd sell out of homes in less than a month. The border towns in S.C. are e...
by simmias
Sat Nov 21, 2020 6:18 am
Forum: Personal Consumer Issues
Topic: Choosing a Kindle Oasis over a Regular Paperwhite E-reader?
Replies: 20
Views: 1415

Re: Choosing a Kindle Oasis over a Regular Paperwhite E-reader?

I have both and I absolutely love my Oasis. But like others said, I waited until I could get a screaming deal on one. They had the 9th generation Oasis for $150 around last BF, and were offering a trade-in bonus on top of it. I ended up trading in my old 2nd generation keyboard Kindle and was out th...
by simmias
Tue Sep 01, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6952

Re: Microsoft Flight Simulator 2020

Escapevelocity wrote: Mon Aug 31, 2020 5:02 am Why not buy an XBox and play it on that?
It's not on XBox. PC only for now, with no release date yet for XBox.
by simmias
Fri Jul 17, 2020 3:14 pm
Forum: Personal Consumer Issues
Topic: Anyone else love this new working from home thing?
Replies: 89
Views: 6625

Re: Anyone else love this new working from home thing?

I've already decided I'm not going back to the office unless it's a special event. If that becomes an issue, so be it.

Open office plans can go the way of the dodo like they deserve.
by simmias
Tue Jul 14, 2020 3:47 pm
Forum: Personal Consumer Issues
Topic: Help!! Does this email sound legit ??
Replies: 23
Views: 1900

Re: Help!! Does this email sound legit ??

It was very considerate of them to be concerned about your privacy at the end there, though.
by simmias
Sat Jun 20, 2020 6:01 am
Forum: Investing - Theory, News & General
Topic: A cautionary tale about pensions and wages
Replies: 76
Views: 10721

Re: A cautionary tale about pensions and wages

BernardShakey wrote: Sat Jun 20, 2020 12:36 am Really ? [Rude comment removed by admin LadyGeek] Half the article is him telling me what he has done. Oh please...
Despite all of his assertions to the contrary, he is definitely not a good writer.
by simmias
Mon Jun 15, 2020 8:22 am
Forum: Personal Consumer Issues
Topic: To what Broadband Speeds do you Subscribe and Why?
Replies: 123
Views: 6250

Re: To what Broadband Speeds do you Subscribe and Why?

500/500 with Google Fiber for $55 a month (was originally 100/100 for $50, but they eliminated that option and bumped everyone up to 500/500 for $5 more). The other big players in my area are AT&T and Spectrum. I have had abysmal experiences with both in the past with regards to downtime and not...
by simmias
Sun Jun 14, 2020 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about getting a 3% checking account at Evangelical Christian Credit Union what do you think?
Replies: 24
Views: 2993

Re: Thinking about getting a 3% checking account at Evangelical Christian Credit Union what do you think?

My con having accounts like that in the past was that it was always a pain to do the 12 debit transactions. I used to satisfy it by paying small amounts 12 times to the cable company, but now that I've cut the cord I don't think I have a relationship with a vendor any more where I'd feel OK doing th...
by simmias
Wed Jun 03, 2020 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Did you see a drop in your expenses in May?
Replies: 29
Views: 1859

Re: Did you see a drop in your expenses in May?

We have tracked our spending for a over a decade. Outflows in March April and May were down 40%. Transportation, entertainment, travel, clothing, gifts (no get togethers), and work expenses were almost zero. Also our food spending was actually down. I was baking and big cooking, using the foodstuff...
by simmias
Thu May 14, 2020 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22922
Views: 3007303

Re: U.S. stocks in free fall

What is a "boomer-ism"? I'm pretty sure this is a shrouded insult used by people younger than the boomer generation to whine about how unfair they feel the world is for them because the boomer generation borrowed and stole from their future. The idea that the boomer generation wouldn't un...
by simmias
Sat May 02, 2020 4:46 am
Forum: Personal Finance (Not Investing)
Topic: Is it safe to store financial statements in the cloud?
Replies: 48
Views: 3867

Re: Is it safe to store financial statements in the cloud?

Well, a small but non-zero percentage of time the USPS just puts your mail in someone else's box by mistake. For many years everyone in my apartment building received mail by having it placed on a stool in the barber shop downstairs. You just sorted through it and picked out yours. I've never had a...
by simmias
Fri Apr 24, 2020 11:22 am
Forum: Personal Consumer Issues
Topic: Carbonite [data backup] When I Die
Replies: 13
Views: 956

Re: Carbonite When I Die

lostdog wrote: Fri Apr 24, 2020 10:21 am When I saw the title, I thought of Han Solo. I thought you were wanting to Carbonite yourself just like Han Solo did when you die.

:P
I thought the same thing and am sorely disappointed that this thread is not about that.
by simmias
Thu Mar 12, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22922
Views: 3007303

Re: U.S. stocks in free fall

I'm watching these: Kentucky Derby, Indy 500, Tokyo Olympics. If any of these get cancelled it means we're probably going into a Depression. In which case, owning stocks is a really bad idea. Sell now and wait? It's really tough to time that right. By the time you can react to the news the market w...
by simmias
Fri Feb 07, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Do you buy plastic bags for your home trash bins?
Replies: 99
Views: 7465

Re: Do you buy plastic bags for your home trash bins?

No, I don't buy things just to throw them away.
by simmias
Fri Nov 01, 2019 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: "One year into retirement!"
Replies: 4
Views: 1834

Re: "One year into retirement!"

Thank you! Some great posts in that thread.
by simmias
Fri Jul 12, 2019 4:45 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 5332

Re: How to encrypt Cloud backups?

I've always used AxCrypt, but Veracrypt is a good choice as well.
by simmias
Fri Jul 12, 2019 4:33 am
Forum: Personal Finance (Not Investing)
Topic: How to Safely Share User IDs / Passwords with Spouse
Replies: 79
Views: 8463

Re: How to Safely Share User IDs / Passwords with Spouse

Keepass on Dropbox. Totally free though this is such an important thing to get right that paying a service (Lastpass, 1Password) is also a great idea. DW and I both keep all of our passwords there though I do 80% of the financial stuff. We have been on this system for over 10 years and it has been ...
by simmias
Fri Jun 14, 2019 6:19 pm
Forum: Personal Consumer Issues
Topic: Walking Cities, potential for retirees
Replies: 102
Views: 11751

Re: Walkable neighborhods, potential for retirees

Bogle7 wrote: Fri Jun 14, 2019 5:57 pm Don't think walkable cities, think walkable neighborhoods.
This.
by simmias
Wed Jan 30, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Need help with computer crash!
Replies: 90
Views: 4840

Re: Need help with computer crash!

As such, I went to Best Buy to look at new desk tops and in sticker stock! A HP desk top w/o software needed (Word, Excel, PowerPoint, Publisher) That must be purchased separately. Student version (w/o Publisher) is $150 and if you require Publisher and Outlook cost even more, plus there is an add’...
by simmias
Thu Jan 10, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Building Wealth Through Home Equity--Myth or Reality?
Replies: 94
Views: 6986

Re: Building Wealth Through Home Equity--Myth or Reality?

Based on everything I've read and observed, wealthy people have a lower percentage of their assets tied up in their principal residence than the non-wealthy. It shouldn't be surprising that wealthy people need to tie up a smaller percentage of their assets in the basic necessities of life like food...
by simmias
Tue Nov 13, 2018 2:33 pm
Forum: Personal Consumer Issues
Topic: Is my Android tablet too old?
Replies: 16
Views: 1248

Re: Is my Android tablet too old?

Going to yahoo.com brings up the authentication screen for me 90% of the time when I find myself in that situation.
by simmias
Sun Nov 04, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]
Replies: 74
Views: 9470

Re: [WSJ: The New Retirement Plan: Save Almost Everything, Spend Virtually Nothing]

But so many of the FIRE followers are living in almost poverty to retire early. There is a lot in between dining out our EVERY night and NEVER going out to eat. Same with expensive houses and cars. You can still indulge and save a lot of money if you pick and choose. Only on Bogleheads would somebo...
by simmias
Tue Oct 23, 2018 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 187
Views: 18735

Re: Where would you go for financial guidance if you win the Megamillions?

Does anyone remember the guy who won 315,000,000 in 2002? No? Most people don't and if you win this jackpot or hopefully me, no one will remember what you look like or your name after a while; unless your stupid enough to keep putting your name/face out there to remind people. FYI the winner name w...
by simmias
Wed Oct 10, 2018 1:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 22922
Views: 3007303

Re: Stocks tumbling?

rockonhumblepie wrote: Wed Oct 10, 2018 10:33 am What goes up must come down
Spinnin' wheel got to go round
Talkin bout your troubles, it's a cryin sin
Ride a painted pony,let the spinnin' wheel spin

Name that band...?

I set it and forget it...and listen to some tunes. rockon 8-)
Dad, is that you?
by simmias
Tue Oct 09, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 216
Views: 18074

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

Charlotte is great, but we're full at the moment.
by simmias
Wed Oct 03, 2018 2:47 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2961

Re: Did Jeff Bezos just pull a Henry Ford?

What is one thing that Amazon has done that has been bad for the consumer? I literally can't think of one single thing. Yeah they destroy the competition, by providing incredible services at incredible prices and they just keep pushing. Well, they raised prices on Kindle books, so they are now MORE...
by simmias
Fri Aug 24, 2018 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 9027

Re: I still use cash not credit cards should I reconsider?

go_mets wrote: Fri Aug 24, 2018 12:38 pm My current contract job pays me by paper check every week, so I have to go to my bank and make a deposit.
It is a major pain the butt as far as I am concerned, but I do it.
Does your bank allow you to deposit checks using your phone? Maybe switch banks if they don't.
by simmias
Tue Aug 07, 2018 5:37 am
Forum: Personal Consumer Issues
Topic: Getting the stink out of synthetic shirts
Replies: 37
Views: 3041

Re: Getting the stink out of synthetic shirts

Here's an old trick I remember from my track team days that I still use to this day with success: Bring your sweaty clothes with you into the shower! Just throw them on the floor, stomp on 'em a bit while you are busy showering, then rinse, wring and hang.
by simmias
Thu Jul 05, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 6777

Re: How to tip

student wrote: Thu Jul 05, 2018 1:49 pm
BradJ wrote: Thu Jul 05, 2018 1:13 pm I will echo back what most people are saying, tip based on after tax bill.
You are technically correct but it seems the opinions are pretty evenly divided. I counted 16 to 14 including yours.
Make that 17 then.
by simmias
Wed Jun 27, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: Lost out on promotion
Replies: 104
Views: 12133

Re: Lost out on promotion

Promotions happens for all sorts of reasons, but usually not merit. Suggest you read The Gervais Principle by Vankatash Rao on the organization of work. He groups workers in three categories: sociopaths, clueless, and losers. I'm a loser or sociopath, depending on who you ask (my boss or reports). ...
by simmias
Mon Mar 05, 2018 12:38 pm
Forum: Personal Consumer Issues
Topic: Etiquette of hanging up on live telemarketers
Replies: 77
Views: 5300

Re: Etiquette of hanging up on live telemarketers

P.P.S. Does anybody know why these scammers rarely give a name to the company they are calling from, but use vague descriptions, like "the chimney service?" For example, why do the heavily-accented voices over the really bad connection from "the Windows support center" call it t...
by simmias
Tue Feb 27, 2018 7:56 am
Forum: Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 426

Re: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

If you're asking if you should "undo" your $60 non-deductible contribution, I don't see the point. Just leave that amount as basis in traditional IRA's for future years. This is what I was asking - sorry for the confusion! I was really asking if it's worth the annoyance now to unwind the ...
by simmias
Tue Feb 27, 2018 6:37 am
Forum: Personal Investments
Topic: Small portion of traditional IRA contribution was non-deductible - is it worth fixing?
Replies: 3
Views: 426

Small portion of traditional IRA contribution was non-deductible - is it worth fixing?

Last year I invested $5,500 in a traditional IRA at the beginning of the year, but at year end it turns out $60 of that portion was non-deductible due to my MAGI being slightly higher than anticipated. I have already filed my 2017 taxes, and I submitted the form 8606. Is this going to be a big enoug...
by simmias
Fri Feb 09, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Can the real estate market crash if there's no inventory?
Replies: 15
Views: 1866

Re: Can the real estate market crash if there's no inventory?

Low supply and high demand is a recipe for rising prices, at least in the short to medium term. In the longer-term, I would expect high prices to attract more supply, and higher interest rates to reduce demand somewhat. At some point, especially in urban areas, there's only so much supply that can ...
by simmias
Fri Jan 26, 2018 11:24 pm
Forum: Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 288
Views: 29105

Re: I bought a stock today - Redfin (RDFN)

I do like Redfin's business model. I think it's the future of the industry, and Kelman is definitely impressive. I'm surprised that the courts have allowed brokerages to maintain their sham of an independent contractor relationship with their agents. It's only a matter of time before some of these c...
by simmias
Fri Dec 15, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Takata Airbag Class Action Settlement
Replies: 39
Views: 5279

Re: Takata Airbag Class Action Settlement

Of course I opted in. Up to $250 for a few keystrokes? Yes, please.
by simmias
Sat Nov 18, 2017 6:23 am
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 6186

Re: Replace TVs with Smart Tvs or not?

At two hours watching a day you are not a casual TV user in my mind, you are heavily using your two TV screens Multiple studies have shown that the average American watches five hours of TV a day. I'd say that makes his two hours pretty casual in comparison. OP, I echo the majority of the thread in...
by simmias
Sat Nov 11, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 8825

Re: Swedish Death Cleaning

I read Marie Kondo's book about a year ago and was able to get rid of about half my clothes. It was incredibly liberating. However, I got stuck on books - for some reason, I have an incredibly hard time getting rid of them. Sentimental items were also a no-go. I need to revisit the decluttering. The...
by simmias
Sat Nov 11, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 138
Views: 13255

Re: Thouhgts about wearing a "uniform"/same thing everyday?

OP: Everyone has a brand, a schema by which they are known. Do you really want your brand to be associated with a lack of fashion sense and eccentricity? Wouldn’t you rather be known as the smart/creative/reliable/<insert here> coworker/subordinate/ prospective promotee? Fifteen pieces of flair is ...
by simmias
Sun Oct 29, 2017 6:51 pm
Forum: Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 25760

Re: Early-retired 35 year old with $1 million

eye.surgeon wrote: Sun Oct 29, 2017 4:11 pm I guess I was using hyperbole to make a point, that being someone who has amassed $1m @ 35 yrs old is unlikely to be satisfied living on $30k/year.
But he amassed $1m @ 35 yrs old by living on $30k/year.
by simmias
Fri Oct 27, 2017 3:32 am
Forum: Personal Consumer Issues
Topic: Upgrade my Roku?
Replies: 34
Views: 4394

Re: Upgrade my Roku?

The Roku 2 got an upgrade to its processor a few years ago, so if you're running on one made before 2015 or so I'd say it's worth an upgrade to the newer 2. The increase in responsiveness is night and day between the old model and the newer one, and they're relatively cheap.
by simmias
Wed Oct 25, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Amazon kindle paperwhite
Replies: 69
Views: 5960

Re: Amazon kindle paperwhite

I love love love my paperwhite. Great for night reading, outdoor reading, traveling, etc. The battery lasts forever and it's the easiest device on my eyes by far.
by simmias
Wed Oct 18, 2017 4:58 pm
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 2700

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Don't go by my opinion. My first gaming machine was a Commodore 64, and my favorite games of all time either were played on the C64 (the Zork series) or else were SVGA-level (Rama, Zork Grand Inquisitor, Myst Exile). Man... do I feel old! +1 zork > green screen, double floppy drive. Interactive Tex...
by simmias
Wed Oct 11, 2017 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Mint - Issues with showing my account details
Replies: 15
Views: 3076

Re: Mint - Issues with showing my account details

It's you. Are you navigating away from the page while it updates? Don't even minimize it or open another tab. Just sit there and stare while it updates, or go pour a cup of coffee or something. In my experience, anything else will give you the error you've reported. If you've already been doing that...
by simmias
Mon Oct 09, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10577

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balan...
by simmias
Mon Oct 09, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 10577

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balan...
by simmias
Thu Sep 28, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 20019

Re: Why do you LBYM? Why do you save and invest?

nisiprius wrote: Thu Sep 28, 2017 6:57 amIt takes twenty seconds to stop, bend over, pick up the penny, straighten up, and put it in your pocket.
Whenever anyone asks the average age of the bogleheads user, I'm going to reference this post. :D
by simmias
Thu Sep 28, 2017 6:35 am
Forum: Investing - Theory, News & General
Topic: Why do you LBYM? Why do you save and invest?
Replies: 204
Views: 20019

Re: Why do you LBYM? Why do you save and invest?

I started life as a profligate spender, had an epiphany right before I turned 30 that the lifestyle was unsustainable, and have been LBMM ever since. But that wasn't enough. Going through the recession in constant fear of losing my job made me never want to be in that position again, so I started re...
by simmias
Thu Sep 21, 2017 3:16 am
Forum: Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 32080

Re: I won the Lottery. Need sound advice.

As someone mentioned earlier, the "two chicks" quote was definitely a reference to Office Space. It sounds like some of you need to drop whatever you're doing and watch it. OP, read "The Millionaire Next Door." Then start reading the Mr. Money Mustache blog. I agree with most eve...