Search found 1937 matches

by Shallowpockets
Sat May 08, 2021 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: California Homebuying Insanity
Replies: 224
Views: 19479

Re: California Homebuying Insanity

Easy money availability. Low interest rates. Those with money have mad even more money this last year. They are flush with cash and looking to spend it. Look at NFTs. You should rent. If you buy now you will pay more, a premium just for the craziness in this home buying frenzy. What will happen is t...
by Shallowpockets
Sat May 08, 2021 5:01 pm
Forum: Personal Consumer Issues
Topic: Door frame damaged - Don't want to replace door
Replies: 14
Views: 1397

Re: Door frame damaged - Don't want to replace door

Define your large gap. Is it even all the way down? You say the door operates fine. You could perhaps simply close the space with strip insulation that they make for doors to seal drafts. Usually door hinges close flush to each part of the hinge. Maybe your hinges have not been set flush with the wo...
by Shallowpockets
Thu May 06, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: Toilet Bids
Replies: 53
Views: 4179

Re: Toilet Bids

Personally I would DIY a for a toilet. I could do it in less time than it takes to call around and get bids. However, those who need someone else to do it, I would go to Lowe’s or Home Depot. Why? You will get a fair price and if they install it you have a buffer between you and the contractor. Prob...
by Shallowpockets
Thu May 06, 2021 10:01 am
Forum: Investing - Theory, News & General
Topic: How big is the risk of sustained huge stock market decline?
Replies: 106
Views: 10610

Re: How big is the risk of sustained huge stock market decline?

OP. Why don’t you look up the historical chart of the stock market and see where the dips are. Look at the recovery. You can also google to see how long recovery takes, in each drop and as an average. Look at 2008. Then you can interpret the data as you wish. All that data would be open to interpret...
by Shallowpockets
Mon May 03, 2021 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: What do you wish you knew before you retired you know now!
Replies: 98
Views: 15772

Re: What do you wish you knew before you retired you know now!

I feel I knew almost everything about retirement. It has panned out just fine. What I know now being retired and living a good life is that so many others are not. I am no longer immersed in my own striving. And that is a bit of a burden to bear. I wish I had been more compassionate sometimes in my ...
by Shallowpockets
Mon May 03, 2021 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Sending money to mentally unstable relative without revealing my home address
Replies: 39
Views: 3484

Re: Sending money to mentally unstable relative without revealing my home address

Sending money to an unstable relative and concern for personal safety. I hope OP is all right and not involved in some sort of coercive scheme or demand. Perhaps advice should be sought by OP in that regard. Who knows what subterfuge and threat, overt or implied, can come out of family dynamics. Cou...
by Shallowpockets
Sun May 02, 2021 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured Motorist Car Insurance - Is it Worth the Expense??
Replies: 52
Views: 3925

Re: Uninsured Motorist Car Insurance - Is it Worth the Expense??

One wonders why this problem is not addressed more correctly at the source. Uninsured motorist. If a state has required insurance and people don’t have it, what are the penalties? Most likely, nothing. A law that has no teeth. As long as we can and do pay uninsured motorist insurance there is no nee...
by Shallowpockets
Sat May 01, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: Buying land in subdivision, but build house from scratch
Replies: 27
Views: 2380

Re: Buying land in subdivision, but build house from scratch

I would not do this venture. It sounds like a money and time sink. Too many unknowns, even after you think you know. Sometimes when you are in for the penny you then are most definitely in for the pound. At some point in such a project there is no going back. I see it as multiples of thousands, not ...
by Shallowpockets
Sat May 01, 2021 11:08 am
Forum: Personal Consumer Issues
Topic: plumbing issue -- low flow from bathroom sink faucet
Replies: 14
Views: 920

Re: plumbing issue -- low flow from bathroom sink faucet

Check the feed lines from the wall supply to the faucet itself. You can get buildup in there. The aerator and those lines are the easiest things to check before you go taking apart, or getting a new faucet.
The feed valves can also get buildup.
by Shallowpockets
Thu Apr 29, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Help me buy my son a 5K new used car....
Replies: 55
Views: 3554

Re: Help me buy my son a 5K new used car....

I have a used car worth about 5K. No way would i agree to let the "maybe" buyer take the car for several hours for all the inspection you want to do. Nor would I want to accompany them to do so. There are plenty of other buyers out there who will not require that. So if you and your son wa...
by Shallowpockets
Tue Apr 27, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Motobecane fantom do sport 2020
Replies: 23
Views: 1419

Re: Motobecane fantom do sport 2020

I have a Motobecane from BikesDirect. The frame build is as good as any other bike you will buy. Welds are real good. Mine was made in Taiwan. I suspect the Treks and Specialized bikes are built there also. Mine is a dual suspension, 27.5"+ ebike. I ride it in Colorado. Rocks, bumps, humps, and...
by Shallowpockets
Mon Apr 26, 2021 5:17 pm
Forum: Personal Investments
Topic: Retirees: Nobody Cares About You
Replies: 10
Views: 1940

Re: Retirees: Nobody Cares About You

Well it is true nobody cares about you, but it is not for those reasons.
by Shallowpockets
Mon Apr 26, 2021 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT add baby as authorized user to build credit history?
Replies: 85
Views: 6758

Re: Why NOT add baby as authorized user to build credit history?

This is an example of gaming the system. Par for the course nowadays. It was never a loophole until someone crawled through it. Whether or not it was significantly beneficial in some way is irrelevant to some. Simply that it can be done is enough.
by Shallowpockets
Mon Apr 26, 2021 3:58 pm
Forum: Personal Consumer Issues
Topic: Traveling to UK in July - seriously! Need suggestions
Replies: 18
Views: 1353

Re: Traveling to UK in July - seriously! Need suggestions

Stay on London.lots to do. Otherwise it is a cram job.Something you see here all the time. Everyone wants to cram the schedule to the max as if everything would go seamlessly. Don’t know what the flights are, but there is getting into the city and getting back to the airport at the end.Takes time. D...
by Shallowpockets
Sun Apr 25, 2021 11:32 am
Forum: Personal Consumer Issues
Topic: Right to quiet enjoyment
Replies: 3
Views: 984

Re: Right to quiet enjoyment

If it is a dog barking issue impeding your quiet enjoyment, forget it. Nothing has ever been done by any municipality to effectively police and mitigate that issue.
by Shallowpockets
Sun Apr 25, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: Where to travel with grandparents if they don’t like the beach and can’t walk too far
Replies: 54
Views: 5029

Re: Where to travel with grandparents if they don’t like the beach and can’t walk too far

Mobility issues can become apparent simply using airports. Long walks, standing a long time in lines. Heathrow now with frequent lines of 6 hours. Internationally you can walk maybe 1/2 mile or more from your gate to customs. Or have to walk between terminals. Not everything is trolley friendly in a...
by Shallowpockets
Sun Apr 25, 2021 11:17 am
Forum: Personal Consumer Issues
Topic: Travel to Vietnam, Thailand, or India
Replies: 88
Views: 7680

Re: Travel to Vietnam, Thailand, or India

But I have to admit, I'd have some issues visiting Ho Chi Minh City. It would be like visiting a town named Adolf Hitler City in Germany. :confused Err, no. +1. Those are your issues. Good thing you did not visit the war museum in HCM city. You would have seen a different perspective on the war. A ...
by Shallowpockets
Sun Apr 25, 2021 11:07 am
Forum: Investing - Theory, News & General
Topic: I don’t understand why tax loss harvesting is that beneficial
Replies: 118
Views: 8983

Re: I don’t understand why tax loss harvesting is that beneficial

There is a perceived benefit to tax loss harvesting. In reality, you lost. No one goes into an investment with the intention of losing. It is a try to make the best of it sort of thing.
by Shallowpockets
Sun Apr 25, 2021 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Career options for a burnt out CPA
Replies: 62
Views: 5543

Re: Career options for a burnt out CPA

Friend of mine. A CPA used to work NY at the large firm. Many years. Finally quit and bought a Wild Birds Unlimited franchise. His CPA knowledge came in handy and was useful for running that business.
by Shallowpockets
Sat Apr 24, 2021 11:50 am
Forum: Personal Consumer Issues
Topic: Buying and Installing a Safe?
Replies: 45
Views: 3561

Re: Buying and Installing a Safe?

I have a big gun safe. It is in the garage, bolted to floor. It would be a big big deal to put it inside the house and still bolt it. It is too hard to move. It is a monster to move. I also have all my tools in the same garage as the safe. That doesn’t sound good. But a safe that size and weight is ...
by Shallowpockets
Fri Apr 23, 2021 5:30 pm
Forum: Personal Consumer Issues
Topic: Tool for precise 90 degree cut with utility knife blade?
Replies: 36
Views: 2732

Re: Tool for precise 90 degree cut with utility knife blade?

An oscillating tool with a saw blade and a guide.
by Shallowpockets
Fri Apr 23, 2021 5:21 pm
Forum: Personal Consumer Issues
Topic: Where to travel with grandparents if they don’t like the beach and can’t walk too far
Replies: 54
Views: 5029

Re: Where to travel with grandparents if they don’t like the beach and can’t walk too far

MrBobcat wrote: Fri Apr 23, 2021 12:02 pm
quantAndHold wrote: Fri Apr 23, 2021 11:42 am Have you asked the parents where they would want to go?
+1
Or even if they really want to go.
This would probably be the first thing on the list. Maybe even before posting.
by Shallowpockets
Fri Apr 23, 2021 8:09 am
Forum: Personal Consumer Issues
Topic: Mediterranean Cruise Opinions
Replies: 50
Views: 3440

Re: Mediterranean Cruise Opinions

Thanks for the replies. We have only been on a few Celebrity and NCL cruises in the past. We are not big cruise fans but thought this would be a good option to visit a number of European cities without having to repeatedly haul luggage and change hotels. It will work great if you like to “visit” Eu...
by Shallowpockets
Mon Apr 19, 2021 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate money needed in retirement when still 15+ years away?
Replies: 54
Views: 5035

Re: How do you calculate money needed in retirement when still 15+ years away?

The replies on here by many and varied people are the most intelligent replies I have ever read to any post in Bogleheads. Period.
by Shallowpockets
Mon Apr 19, 2021 4:19 pm
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 188
Views: 19869

Re: Did you move for better weather? Did you regret it?

The perfect weather for me simply doesn't exist in the US. The southeast is hot and humid in the summer and has a scary hurricane season. The northeast is cold and snowy in the winter. The midwest has both problems. The great plains have heat, cold, and nearly constant wind. The southwest, although...
by Shallowpockets
Sun Apr 18, 2021 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 140
Views: 10070

Re: Medicare Advantage - What's the Deal?

I haven't read every message here, so forgive me if this has been stated. I'm a bit surprised that Bogleheads would consider Medicare Advantage except in very specific circumstances. First off, anything that advertises giving people additional services for free is obviously nonsense. How do you thi...
by Shallowpockets
Sun Apr 18, 2021 9:39 am
Forum: Personal Investments
Topic: What does "won the game stop playing" mean in practice?
Replies: 206
Views: 18450

Re: What does "won the game stop playing" mean in practice?

If you won the game, you would know it. It is not a dollars and cents thing. It is a emotional/mental satisfaction in what you have and what you want and how you sit in your life.
Some will never reach that.
by Shallowpockets
Sun Apr 18, 2021 7:30 am
Forum: Personal Consumer Issues
Topic: Travel to Vietnam, Thailand, or India
Replies: 88
Views: 7680

Re: Travel to Vietnam, Thailand, or India

i visited india for work, mostly mumbai, new dehli and chennai. i loved the people and the food but had a terrible time dealing with the poverty. i also got very sick despite being extremely careful. so i’m not in a rush to return. i have a friend who backpacked through Vietnam and loved it. the fo...
by Shallowpockets
Sat Apr 17, 2021 12:31 pm
Forum: Personal Investments
Topic: withdrawal strategy after market decline
Replies: 44
Views: 3319

Re: withdrawal strategy after market decline

The issue I am trying to explore is not necessarily how much money could be withdrawn but rather what would you do given the hypothetical case, how much money would you withdraw, how much would you cut back, when would you be comfortable increasing your spending again. Well, it is unlikely that the...
by Shallowpockets
Sat Apr 17, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Medicare Advantage - What's the Deal?
Replies: 140
Views: 10070

Re: Medicare Advantage - What's the Deal?

Medicare, not advantage. Can pick your own docs. Go to specialists. Get out the phone book. Start thumbing through, where to start. Dr X, is he good? Does he take new Medicare patients? Dr G maybe. Someone at the supermarket told me about him. He is so nice. I have a headache, I want to see a specia...
by Shallowpockets
Sat Apr 17, 2021 9:50 am
Forum: Personal Investments
Topic: Seeking advice on an investment that cannot be liquidated.
Replies: 50
Views: 4497

Re: Seeking advice on an investment that cannot be liquidated.

An illiquid investment is really no investment at all.
If you cannot track it, and sell it, what have you really got?
Nothing.
by Shallowpockets
Sat Apr 17, 2021 9:42 am
Forum: Personal Consumer Issues
Topic: New car same price as 1 year old
Replies: 24
Views: 2263

Re: New car same price as 1 year old

Another anomaly on buying a used car that is certified is that the warranty will often be better than a new car.
As in new car 5yr/60,00 miles verses certified preowned with 7yr/100,000 miles.
by Shallowpockets
Fri Apr 16, 2021 9:13 am
Forum: Personal Consumer Issues
Topic: replace front door; Home Depot?
Replies: 13
Views: 1116

Re: replace front door; Home Depot?

We did this years ago. HD door with their installer. No problems.
by Shallowpockets
Fri Apr 16, 2021 8:46 am
Forum: Personal Consumer Issues
Topic: local dealers offering to buy car for more than you paid?
Replies: 35
Views: 2288

Re: local dealers offering to buy car for more than you paid?

How do people get offers from dealers like stated here? How do they know about the car? Are you saying that out of the blue a dealer calls you to discuss you selling them your car?
by Shallowpockets
Fri Apr 16, 2021 8:43 am
Forum: Investing - Theory, News & General
Topic: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market
Replies: 70
Views: 8927

Re: There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market

According to the article, the majority of shares are owned by Chinese and the trading volume is very very low, and sometimes no trades at all in a day.
That puts any investor in a tight spot. Can't sell. No liquidity.
by Shallowpockets
Thu Apr 15, 2021 2:17 pm
Forum: Personal Consumer Issues
Topic: Do you tip your hibachi chef?
Replies: 22
Views: 2360

Re: Do you tip your hibachi chef?

Pooled tips?
Yeah, right. I can’t imagine that such a thing is fair and equitable knowing the propensity of people to lie, fudge and steal when money is involved.
by Shallowpockets
Wed Apr 14, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 3084

Re: walking shoes with wide toes?

I do 24 hour Rogaines, which are 24 hours in the woods, lots of off trail, up and down. I use Keen shoes. Presently using Keen Targees. I also use Keen H2 sandals sometimes for regular hiking. They work well, even on extremely rocky trails. The toe box is wide and high and with a substantial rubber ...
by Shallowpockets
Wed Apr 14, 2021 8:24 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 6181

Re: Best 4 wheel drive vehicle

I am presently looking to buy a Subaru. I see they were finally mentioned in this thread.
OP might want to look up some Subaru off road videos on youtube. Including Subaru in sand.
by Shallowpockets
Sun Mar 28, 2021 12:09 pm
Forum: Personal Consumer Issues
Topic: Ethical question about PayPal transaction
Replies: 16
Views: 1346

Re: Ethical question about PayPal transaction

Considering it takes more time and energy to post about it on Bogleheads, I'd have been more inclined just to contact the seller with a reminder. +1 I concur. Let us know, OP, unless you were hoping for some sort of ethical rationalization that would satisfy not having to contact the seller and get...
by Shallowpockets
Fri Mar 26, 2021 4:59 pm
Forum: Personal Consumer Issues
Topic: Thoughts on selling a CD music collection....
Replies: 65
Views: 3735

Re: Thoughts on selling a CD music collection....

If OP is old and retired then these CDs are probably a music genre that no one wants outside that age group. I am sure they have sentimental value, but that would be it. All of it is accessible on YouTube. As a boomer myself I can appreciate that there is the notion that someone may want them. As a ...
by Shallowpockets
Thu Mar 25, 2021 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 475
Views: 64044

Re: Tales from this insane real estate market

RE house buying seems like GME - GameStop. Stocks are “valued” per P/E and that is the way we would like to think it works. But, like RE there is no true valuation. We simply pin numbers to it and believe it to be so. GME, RE, all what people are willing to pay. Let’s face it, it is all speculative....
by Shallowpockets
Tue Mar 23, 2021 9:28 am
Forum: Personal Consumer Issues
Topic: Romaine Lettuce & bagged salads - concerns
Replies: 45
Views: 4487

Re: Romaine Lettuce & bagged salads - concerns

When a notice goes out on romaine or any other green, I take note and alter my greens buying. No big deal. Washing your greens only removes surface dirt. You would never simply rinse your hands either, no rubbing. It would do little good other than surface dirt. So unless you rub off all your greens...
by Shallowpockets
Sun Mar 21, 2021 3:29 pm
Forum: Personal Consumer Issues
Topic: Oven temperature accuracy
Replies: 26
Views: 1481

Re: Oven temperature accuracy

Look at what you are cooking. That what I do. Because even if you have the temperature correct. There is a time element. It is always heat + time. Neither stands alone.
Then, use an instant read thermometer on your food.
by Shallowpockets
Thu Mar 18, 2021 9:39 am
Forum: Investing - Theory, News & General
Topic: What are the odds of losing everything in a legit real estate deal/fund?
Replies: 31
Views: 2145

Re: What are the odds of losing everything in a legit real estate deal/fund?

The numbers say this. You are $50,000 in for five years. Concerned about the investment. How goes it? You will be checking but not always having any facts on its progress. Lots of offs, ands, buts there. $50,000 in the S and P index returning average 8% year will be worth $23,000 plus in 5 years. Th...
by Shallowpockets
Thu Mar 18, 2021 6:53 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10285

Re: What are your travel plans in 2021 and beyond?

Contingent on CDC and Individual States we plan only Continental trips. We complete are post vaccine isolation at end of April Age: 63/60 Live on East Coast Key West NW drive through National Parks Possible FAM gathering in Orlando (unless I can get out of it) Canada Mexico A few months on Texas bo...
by Shallowpockets
Mon Mar 15, 2021 10:54 am
Forum: Investing - Theory, News & General
Topic: Announcing the FOMO fund...
Replies: 34
Views: 3770

Re: Announcing the FOMO fund...

FOMO on these boards is irrelevant to real investing. Most people, to satisfy their FOMO, only invest play money, small amounts, can afford to lose, which means nothing much. Such low amounts, while may return high percentages, are nothing in terms of dollars. Buying1 share GME and having a 100% gai...
by Shallowpockets
Mon Mar 15, 2021 10:35 am
Forum: Personal Investments
Topic: We're retired, now what?
Replies: 22
Views: 4698

Re: We're retired, now what?

Well of course you can figure in Roth conversions. Just plug in different numbers you might convert into your tax software and see what comes up.
It is pretty much a no brainer to do that.
by Shallowpockets
Sun Mar 14, 2021 9:15 am
Forum: Personal Consumer Issues
Topic: Club Publix: Worth It?
Replies: 17
Views: 2447

Re: Club Publix: Worth It?

Go with Safeway or King Soopers (Kroger). All you would need is your phone number to input to get the good prices.
by Shallowpockets
Sat Mar 13, 2021 11:30 am
Forum: Personal Consumer Issues
Topic: What are your travel plans in 2021 and beyond?
Replies: 151
Views: 10285

Re: What are your travel plans in 2021 and beyond?

The mantra now is to book now. Bookings up 500%. Of course that may have been a step up from a low bar and has nothing to do with capacity. I am looking for international travel. Pretty much anywhere that will have me, US citizen allowed. Vaccinated. There is much talk about a vaccination passport. ...
by Shallowpockets
Sat Mar 13, 2021 7:14 am
Forum: Investing - Theory, News & General
Topic: Dividends...please explain
Replies: 131
Views: 10265

Re: Dividends...please explain

Where exactly does the money for dividends come from? It can’t come from the stock itself since the dividend is paid on every share out there. Since the company does not own every share they can’t dip into the entire bundle and skim off the amount used for the dividend. It has to come from some sort...