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Forum: FIRE and Money 11-27-2019, 01:34 AM
Replies: 112
Views: 7,619
Posted By skyline
Another study involving driver assists preventing...

Another study involving driver assists preventing pedestrian accidents, again not very confidence inspiring...

...
Forum: FIRE and Money 11-27-2019, 01:29 AM
Replies: 112
Views: 7,619
Posted By skyline
Earlier this year, I was thinking about replacing...

Earlier this year, I was thinking about replacing my 2000's era car with something newer, specifically to take advantage of the newer driver assist technologies. Then I did some research, and found...
Forum: Life after FIRE 03-16-2019, 09:26 AM
Replies: 15
Views: 2,634
Posted By skyline
Thanks everyone for your input, I've been out of...

Thanks everyone for your input, I've been out of town so not able to respond the last couple days. Sounds like the consensus is to go with offering advance payment on the lease, which should not be...
Forum: Life after FIRE 03-14-2019, 11:20 AM
Replies: 15
Views: 2,634
Posted By skyline
Yes, purchasing is definitely the fallback plan,...

Yes, purchasing is definitely the fallback plan, but I don't know how many ambulatory years my parents have left, and I would prefer to not have to go through the buying/selling cost and process if...
Forum: Life after FIRE 03-14-2019, 11:12 AM
Replies: 15
Views: 2,634
Posted By skyline
Low income senior housing is definitely an...

Low income senior housing is definitely an option, the problem is that the wait list at most places seem to be in the 5+years range. As for being choosy, they're actually being very reasonable -...
Forum: Life after FIRE 03-14-2019, 10:09 AM
Replies: 15
Views: 2,634
Posted By skyline
Renting apt for elderly parents...

Hi all, hope I'm posting this in the right place, if not, mods, please move as needed. Apologies in advance for the long post, this one needs a bit of background (if it matters, this is in...
Forum: FIRE and Money 04-27-2018, 03:56 PM
Replies: 90
Views: 14,132
Posted By skyline
It depends...I got my Ooma many years ago, when...

It depends...I got my Ooma many years ago, when it was completely free (other than initial device purchase). It's still free for me, although I understand new customers have to pay a small monthly...
Forum: FIRE and Money 04-21-2018, 07:43 PM
Replies: 90
Views: 14,132
Posted By skyline
A reminder on the importance of eliminating recurring expenses

I was just on my ooma homepage to check a voicemail, when I noticed a 'estimated savings' section that estimated how much money I have saved by using ooma instead of traditional landline since I...
Forum: FIRE and Money 02-28-2018, 06:01 PM
Replies: 70
Views: 5,738
Posted By skyline
Here's what I've always thought was interesting...

Here's what I've always thought was interesting about the 'rent vs. own' arguments. Basically, if you're in one camp, it's in your interest for everyone else to be in the other camp. Like to own? ...
Forum: FIRE and Money 04-15-2017, 11:54 PM
Replies: 65
Views: 5,438
Posted By skyline
I always ignore estimated taxes, and end up...

I always ignore estimated taxes, and end up paying somewhere around 1.5%-3% penalty at tax time. It's such a small penalty that I wonder why everyone puts up with the headache and effort of figuring...
Forum: Health and Early Retirement 06-10-2016, 10:54 PM
Replies: 77
Views: 7,373
Posted By skyline
Yeah, it's amazing how people act like their...

Yeah, it's amazing how people act like their health problems might just go away if they ignore it. I have a couple friends that have heart/cholesterol problems, and they just say they'll continue to...
Forum: Health and Early Retirement 06-10-2016, 10:45 PM
Replies: 77
Views: 7,373
Posted By skyline
I eat pearl barley, which I believe is the round...

I eat pearl barley, which I believe is the round kind you're referring to. I normally soak a few cups worth in the pot overnight, rinse till clear, then boil for about 15mins with lots of water,...
Forum: Health and Early Retirement 06-10-2016, 10:30 PM
Replies: 77
Views: 7,373
Posted By skyline
Well, you kinda have a good point, but I'm not...

Well, you kinda have a good point, but I'm not sure I'd be able to maintain my current blood sugar levels if I went back to my old diet, so I wouldn't consider myself 'cured'.
Forum: Health and Early Retirement 06-10-2016, 12:35 PM
Replies: 12
Views: 1,675
Posted By skyline
Sorry, late to the thread here, but could use...

Sorry, late to the thread here, but could use some perspective from others. I ran into the same situation as OP the previous year (estimated too low an income for ACA, had to repay the difference),...
Forum: Health and Early Retirement 06-10-2016, 09:30 AM
Replies: 77
Views: 7,373
Posted By skyline
Oh, one other change, I now drink wine much more...

Oh, one other change, I now drink wine much more than beer. That was an easy change, and I still love me a nice IPA or DIPA now and then, but my go to drink with dinner is a glass of red wine.
Forum: Health and Early Retirement 06-10-2016, 09:28 AM
Replies: 77
Views: 7,373
Posted By skyline
In general, I've reduced my carb intake across...

In general, I've reduced my carb intake across the board. Three easy changes that I think really made a difference for me:

1 - I used to eat a lot of rice, and I substitute it now with boiled...
Forum: Health and Early Retirement 06-09-2016, 10:31 PM
Replies: 77
Views: 7,373
Posted By skyline
I'm pre-diabetic and had looked into this quite a...

I'm pre-diabetic and had looked into this quite a bit a few years ago. After making some adjustments (some hard, some easy, but most surprisingly easy to get used to), I was able to get my fasting...
Forum: FIRE and Money 06-09-2016, 10:19 PM
Replies: 18
Views: 2,002
Posted By skyline
You might want to look into what the penalty...

You might want to look into what the penalty would be if you didn't make any estimated tax payments. I found out years ago that the penalty for not making estimated tax payments is actually very low...
Forum: FIRE and Money 03-07-2015, 02:08 AM
Replies: 95
Views: 9,890
Posted By skyline
Yes, that's exactly what I mean - you can of...

Yes, that's exactly what I mean - you can of course sell stocks in a downturn, and in fact, the retirement calculators assume that you do that (most assume you sell evenly across your portfolio), but...
Forum: FIRE and Money 03-06-2015, 11:27 PM
Replies: 95
Views: 9,890
Posted By skyline
I think the % allocation strategy is just too...

I think the % allocation strategy is just too general - just like the '80% income replacement during retirement' rule is typically too general for most people. The % allocation probably works well...
Forum: FIRE and Money 03-06-2015, 09:27 PM
Replies: 95
Views: 9,890
Posted By skyline
I never understood the whole % allocation for...

I never understood the whole % allocation for bonds. In my mind, the fixed income portion of my portfolio is to provide safe harbor in case of protracted down swings in equities. My comfort level...
Forum: Life after FIRE 03-06-2015, 01:20 PM
Replies: 13
Views: 4,697
Posted By skyline
Definitely get your phone unlocked with AT&T...

Definitely get your phone unlocked with AT&T while you're still with them. That way, you're not stuck with just AT&T MVNOs - you could just as easily use a T-Mobile MVNO if you find a better deal...
Forum: Life after FIRE 03-06-2015, 02:00 AM
Replies: 13
Views: 4,697
Posted By skyline
Are there iphone specific nano sim cards? I know...

Are there iphone specific nano sim cards? I know H2O definitely carry nano sim cards, so unless there's something specific for iphones, you should be set. Also, instead of ordering a sim card...
Forum: Life after FIRE 03-04-2015, 01:31 AM
Replies: 13
Views: 4,697
Posted By skyline
BTW, re: the question about overseas use -...

BTW, re: the question about overseas use - assuming your phone is unlocked, and it is quad-band GSM (which I believe all iPhones are), yes, you can and should buy a local SIM card when overseas. ...
Forum: Life after FIRE 03-04-2015, 01:19 AM
Replies: 13
Views: 4,697
Posted By skyline
Sorry, a bit late in seeing this, but my wife and...

Sorry, a bit late in seeing this, but my wife and I use H2O Wireless, and it works great. Coverage is the same as AT&T, so if AT&T coverage works well for you H2O will work the same. A couple...
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