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  1. naggz

    class c RV

    My wife and I are currently traveling in a self converted camper van (we've been out and about since November) . We have an extended length Ford Transit (22' long, but the living area is only about 13' long). We have 3 border collies. It works for us, but we basically have to live our lives...
  2. naggz

    Japan advice for April trip

    Google maps work very well for the trains and subways. Read about the subway / train cards before you go. Most places only take cash (or train cards). Learn some of the etiquette (like move to the side of a sidewalk if you need to stop and check your phone, don't eat /drink while walking)...
  3. naggz

    Poll: Do You Remove Shoes Entering Your House?

    I'm in Canada, and I've never seen anyone wear outdoor shoes inside. Always socks, slippers, or very rarely indoor sneakers. In Canada, with many months of snow each year, we mostly wear some sort of boot, and I can't imagine someone wearing their dirty wet boots inside the house.
  4. naggz

    New TV, what to buy?

    Here is a good review of that specific model: https://www.rtings.com/tv/reviews/sony/a80l-a80cl-oled
  5. naggz

    Frugal and retired - anyone alse?

    I agree with you on this. When I first started coming here (in 2010), there were many more discussions on low spending and saving. I haven't seen a post about dryer sheets in a long while. I'm not saying it's a bad thing, probably just the ebbs and flows of an online forum - or it might be a...
  6. naggz

    Ah, ye olde bucket!

    I remember someone once mentioned "2 bad days equals 2 weeks' notice"
  7. naggz

    Has any here used an e-sim card?

    If you are in Ottawa, you may be interested in this... https://forums.redflagdeals.com/fido-50-40gb-can-us-ottawa-only-freedom-match-2621508/
  8. naggz

    Balanced Portfolio and frustration of this market...

    This is likely worth a read.... https://earlyretirementnow.com/2016/08/17/bond-diversification-is-a-myth/
  9. naggz

    Any furnace concerns in extreme cold?

    I suggest keeping an eye on the flue exhaust in certain circumstances... High efficiency furnaces sometimes vent out the side wall (not up through the roof), and exhaust moisture can condense and freeze below the outlet, creating a sort of reverse icicle (or stalagmite). If it gets too big, it...
  10. naggz

    Dash Camera

    Generally, yes. But you can also connect it to a tapped fuse, and then hide the wires.
  11. naggz

    Dash Camera

    You can get a polarized lense cover for the Garmin mini 2 that takes care of the glare. https://www.amazon.com/Garmin-Polarized-Lens-Cover-Dash/dp/B07LDCK7ZR
  12. naggz

    First cruise question

    We've cruised 3 times, and each time had a balcony, and it was one of our favourite parts of the cruise ship and well worth the upgrade (although, I don't think it was double the cost for us). Are either of you introverted? The balcony gives you a nice place to sit and enjoy the view, without...
  13. naggz

    Happy 20th Anniversary to Early-Retirement.org!

    Happy anniversary and thank you!
  14. naggz

    Grass cuttings on the Garage Floor - Buy a small shed for the mower?

    We have a detached 2 car garage and it gets pretty messy. We park both vehicles in the garage year-round, and it holds the lawn equipment, camping gear, and other junk. There is no easy way to keep it really clean, so I don't bother. I just use the compressor to blow it out in the spring &...
  15. naggz

    Any Microsoft Word (2010) experts here?

    Are the documents older, and being saved with a newer version of word? It might be adding in some new compatibility features which could affect file size.
  16. naggz

    Exit sign?

    "I would like a raise / bonus / back pay of $xxx or I am quitting". Best case scenario (financially) is they give it to you, then replace you shortly after with some severance. Middle case, they give it to you but treat you like crap, then you can quit anyway. Worst case is they don't, and...
  17. naggz

    How much sleep do you get?

    If anyone is interested in learning more about the importance of sleep, I highly recommend the book "Why We Sleep" by Matthew Walker PhD It was an absolutely fascinating book. Here is a Ted talk from the author... https://www.ted.com/talks/matt_walker_sleep_is_your_superpower/up-next?language=en
  18. naggz

    Travel/Walking shoe recommendations

    Last year I bought a pair of Altra shoes (Torin 4 Plush model), mainly for running. Within a month, I bought a second pair.... Altra shoes have a wide toe box. I don't think I'll buy a different brand again, they fit me that nicely. In my city, you can find them at running stores...
  19. naggz

    Withdrawal Strategy: Fixed % of Current Portfolio

    Here are 2 different calculators that provide a nice visual layout of the data, which might help you out: https://calculator.ficalc.app/ (you can click on an individual year below the graph) https://fiportfoliodoc.com/simulator (you can select an individual year from the graph) For me, I'm...
  20. naggz

    Unrealistic Expectations

    Kids these days. “Our youth now love luxury. They have bad manners, contempt for authority; they show disrespect for their elders and love chatter in place of exercise; they no longer rise when elders enter the room; they contradict their parents, chatter before company; gobble up their food...
  21. naggz

    What to Ask HR?

    Make sure you are entitled to the full 8 weeks of vacation, and that none are lost due to working less than the full year.
  22. naggz

    2 years into retirement

    Thanks for sharing, I love hearing retirement transition success stories, as it helps lower the anxiety of what's to come. If you don't mind sharing more, where online do you go for trivia?
  23. naggz

    Calculating IRR in Excel

    Looks good, and you can get more specific by specifying exact dates with XIRR.... https://corporatefinanceinstitute.com/resources/knowledge/modeling/xirr-vs-irr-excel-financial-model/
  24. naggz

    Hit FIRE Target At Young Age, Now What?

    Congratulations! That's a great financial achievement, due to your hard work and sacrafices, but you realize it was at the expense of some personal growth and identity (which is not uncommon). If you already won the game, then I would ask yourself why run up the score if the work isn't bringing...
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