Search found 597 matches

by cashboy
Thu Mar 25, 2021 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I stay or should I go?
Replies: 48
Views: 5056

Re: Should I stay or should I go?

Oh Boglehead hive mind, what is your advice? Should I stay or should I go? Looking at this from a financial perspective you do not appear to 'need to' return (based upon your assets). But, there are things that 'can be' more important than money once money is no longer an important concern (such as...
by cashboy
Wed Mar 10, 2021 8:22 pm
Forum: Personal Consumer Issues
Topic: Audio Receiver Recommendations
Replies: 49
Views: 3478

Re: Audio Receiver Recommendations

as far as a brand, I have had great success with Denon. as far as selecting which 'model' of any brand to buy: determine how much 'power' you need to drive the speakers you have; determine the type and number of connections (ex: HDMI); and how much you want to spend ($$$). look for pages like this t...
by cashboy
Tue Mar 09, 2021 1:27 pm
Forum: Personal Consumer Issues
Topic: Estate (Home) clean-out after my parents passing - tips and best practices?
Replies: 53
Views: 5833

Re: Estate (Home) clean-out after my parents passing - tips and best practices?

some great advice in this thread; no need to repeat it.

one thing i would add/emphasize is to prepare yourself for the potential 'emotional impact' of going through these items and finding 'something' that triggers a memory.

best of luck to you friend.
by cashboy
Tue Mar 09, 2021 1:18 pm
Forum: Personal Consumer Issues
Topic: resisting login security measures
Replies: 16
Views: 1540

Re: resisting login security measures

can anyone share your experience on family members of taking on login security measures? as the saying goes "...you can lead a horse to water, but you can't make him drink..." in cases like this the best advice (for your consideration) is to isolate the truly sensitive sites to you and th...
by cashboy
Wed Feb 24, 2021 4:57 pm
Forum: Personal Consumer Issues
Topic: Retiring to Vermont/New Hampshire area
Replies: 91
Views: 7104

Re: Retiring to Vermont/New Hampshire area

i am also thinking of NH. I did a lot of research into property taxes. the rate of property taxes can vary greatly by town: https://www.revenue.nh.gov/mun-prop/municipal/documents/20-tax-rates.pdf for example, compare Keene to Meredith (just as a comparison; not saying that they offer the same quali...
by cashboy
Sun Jan 31, 2021 11:43 am
Forum: Investing - Theory, News & General
Topic: Why not 50/50?
Replies: 175
Views: 17140

Re: Why not 50/50?

50/50 here after almost 5 years in retirement. It's not magic or perfect, but it works great for me. I feel it is a compromise of sorts for return and safety. I, like Jack Bogle, wish I had more stocks some days and more bonds other days. Others have their own way to ride the investing waves and th...
by cashboy
Sat Jan 30, 2021 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: promotion without salary increase
Replies: 81
Views: 7734

Re: promotion without salary increase

reply to the email and speak to the svp since they reached out

and

get your resume and linkedin profile ready to rock and roll

while

also maintaining your professional demeanor (can be hard in a situation like this, I know. yes, I REALLY know....).

best of luck friend

:sharebeer
by cashboy
Sun Jan 24, 2021 1:05 pm
Forum: Investing - Theory, News & General
Topic: ‘Frogs in boiling water’: Urgent warning for 50% market drop
Replies: 133
Views: 19072

Re: ‘Frogs in boiling water’: Urgent warning for 50% market drop

It is proverbial in this forum that everyone should be prepared to expect a -50% market drop at any time , and that few long-term investors will escape having one occur in their investing lifetime. So "urgent" warnings about a -50% drop are only valuable in reminding us that such a drop c...
by cashboy
Tue Jan 12, 2021 8:34 pm
Forum: Personal Consumer Issues
Topic: Hood Scratches [on my] New Car
Replies: 41
Views: 2880

Re: Hood Scratches New Car

best approach for me, based on my own first hand experiences, was touch up paint applied with patience. i used the paint that come in a bottle with a thin dispenser made for things like scratches. get a name brand. something like this, but in your color: https://www.amazon.com/Dupli-Color-EASU13560-...
by cashboy
Tue Jan 12, 2021 8:25 pm
Forum: Personal Consumer Issues
Topic: Products to remove grime from metal
Replies: 27
Views: 1497

Re: Products to remove grime from metal

I've used this product 'as a cleaner' with great success on multiple items - including an antique coal scuttle. Flitz. amazing stuff. https://www.amazon.com/Flitz-Plastic-Fiberglass-1-76-Ounce-Blister/dp/B000MUSOW4/ref=asc_df_B000MUSOW4/?tag=hyprod-20&linkCode=df0&hvadid=309782350753&hvp...
by cashboy
Sat Dec 26, 2020 1:11 pm
Forum: Personal Consumer Issues
Topic: What To Do About Ghosts -- Moving Back to Hometown
Replies: 29
Views: 2372

Re: What To Do About Ghosts -- Moving Back to Hometown

I thought that might be a good click-bait headline. I was born and raised in Maine but I've been living in exile since moving away after university. I always assumed I would move back after I retired. So this year we rented a place for December. Everything is so different and everywhere I go there ...
by cashboy
Sat Dec 26, 2020 11:29 am
Forum: Personal Consumer Issues
Topic: Password storage apps, recommendations?
Replies: 119
Views: 5093

Re: Password storage apps, recommendations?

I use KeePass. Initially I tried KeePass since it was free - I thought it was a good way to 'play' with a password manager without committing to anything (as it was potentially disposable). As it turned out, I really like KeePass and it became the password manager that I use. https://keepass.info/in...
by cashboy
Fri Dec 25, 2020 5:16 pm
Forum: US Chapters
Topic: "The Hills of Bastogne"
Replies: 93
Views: 6234

Re: "The Hills of Bastogne"

:thumbsup
by cashboy
Mon Dec 21, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15487

Re: Are Strong Passwords Really Necessary?

Are Strong Passwords Really Necessary?


if you can create one and use one, there is no strong reason not do to so.

like anything we do to prevent being a potential victim of a crime, the intent is to make things as difficult as possible for the criminal (within reason).
by cashboy
Wed Nov 18, 2020 8:32 pm
Forum: Investing - Theory, News & General
Topic: Taylor Sends His Best to Fellow Bogleheads
Replies: 334
Views: 26750

Re: Taylor Sends His Best to Fellow Bogleheads

Taylor,
wishing you the best.

great contented smile in that pic.

:sharebeer
by cashboy
Wed Nov 11, 2020 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Risk tolerance plummeted to zero, now what?
Replies: 32
Views: 3244

Re: Risk tolerance plummeted to zero, now what?

if you want to move your AA to 50/50, that is a relatively good place to be; provides some degree of safety (in bonds), and capability for growth (in stocks). perhaps consider an intermediate AA move from 70/30 to 60/40 and see if that addresses your risk tolerance concerns. no matter where you even...
by cashboy
Tue Oct 27, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Added SD card to phone, still says storage low?
Replies: 43
Views: 1819

Re: Added SD card to phone, still says storage low?

i have a similar issue and my attempts to route data to the new second card were very limited. i did find several sites like this, but have not tried any of the approaches yet: https://www.easeus.com/backup-recovery/change-android-sd-card-to-a-bigger-one.html what i found in my research (again, untr...
by cashboy
Thu Oct 22, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: Stationary Indoor Bikes
Replies: 33
Views: 2543

Re: Stationary Indoor Bikes

you might also want to consider trying a recumbent bike. i went with a recumbent bike after comparing a regular indoor bike and a recumbent. recumbent was more comfortable (for me). i have an older version of this: https://www.visionfitness.com/us/eng/products/r60-recumbent-bike good luck with whate...
by cashboy
Wed Oct 21, 2020 7:08 pm
Forum: Personal Consumer Issues
Topic: Meditation Guides?
Replies: 58
Views: 2908

Re: Meditation Guides?

one can strive to live in the moment (the now - not the past or the future which can cause stress) by paying close attention to what one is doing (the action, or lack of it, which centers one in the moment). whatever path one takes one must understand that it will take time to become proficient at i...
by cashboy
Mon Oct 12, 2020 7:32 pm
Forum: Personal Investments
Topic: Roth Conversion - Is it worth to pay taxes upfront to convert
Replies: 53
Views: 4335

Re: Roth Conversion - Is it worth to pay taxes upfront to convert

many threads on this subject (and i mean that in a nice way). if you have not done so already, consider searching on the words 'roth conversion' in the 'google box' in the upper right corner of any page here at BH. FWIW, after reading all of those threads, I am converting what i can, when i can. My ...
by cashboy
Thu Oct 08, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep from getting burned out?
Replies: 70
Views: 8304

Re: How do you keep from getting burned out?

by remembering that 'we' and 'our jobs' are two separate things.
by cashboy
Thu Oct 08, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Finding Something in life?
Replies: 26
Views: 4225

Re: Finding Something in life?

If this doesn't belong on this forum, please delete it. Nothing offensive here but wasn't sure if it fits anywhere. Thanks I have a casual friend and she is 31, nice bf but she seems lost in life . to the above phrased "she seems lost in life" i would add the words "to you" (and...
by cashboy
Thu Oct 01, 2020 3:54 pm
Forum: Investing - Theory, News & General
Topic: Were you nervous when you retired?
Replies: 98
Views: 10571

Re: Were you nervous when you retired?

And yet, the thought of quitting work is scary. This despite saving too much. I picture I'll just have to make the decision, live with the anxiety for a while, see how the money comes in automatically, get used to the idea. Is this what it was like for you? I worked my whole like and wondered how i...
by cashboy
Sun Sep 27, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: looking for Broadcast Spreader recommendations
Replies: 0
Views: 209

looking for Broadcast Spreader recommendations

I use a tow behind broadcast spreader to fertilize. (attached to a garden tractor) The one I have now I bought many years ago (agri-fab); it is time for a new one (old one is held together with zip ties and duct tape (lol). I have recently done a lot of searches cross the internet on a replacement a...
by cashboy
Fri Sep 18, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 6194

Re: Ring for a new girlfriend

bracelet is a good way to go at this point in your relationship.

something like this:

https://www.bluenile.com/sterling-silve ... acelet_723
by cashboy
Fri Sep 18, 2020 3:52 pm
Forum: Personal Investments
Topic: Decision time...to lump sum or not to lump sum
Replies: 24
Views: 2293

Re: Decision time...to lump sum or not to lump sum

many threads on this subject (and i mean that in a nice way). some things to consider: if your pension is not COLA then it loses value over time depending upon inflation rates; your pension has no chance for growth. if your pension is lump sum and invested it has the 'chance' to grow. of course no o...
by cashboy
Fri Sep 18, 2020 3:42 pm
Forum: Personal Investments
Topic: Guidance for breaking the news to our financial advisor
Replies: 60
Views: 10701

Re: Guidance for breaking the news to our financial advisor

So, here are my questions: 1) Is it bad form to break the news at our annual review where his staff will be present? Or, is there a compelling reason to reach out to him sooner? I would reach out to them sooner than the meeting and tell them what you posted: we value the guidance he's provided over...
by cashboy
Mon Sep 14, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 17097

Re: Coping with Megacorp rat race

Frugalbear wrote: Mon Sep 14, 2020 9:23 am
How did or do you cope with it?
always remember that
'you'
are not
'your job'.

in your mind always maintain a 'space' between the two.
by cashboy
Sun Sep 06, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3765

Re: Leaving your job: quitting for good vs sabbatical leave

At the same time I feel weird sometimes talking to people about this, because my job was pretty hard to get and is generally considered quite good and prestigious (even though it doesn't pay much actually) and people don't understand why I should leave. So I have doubts and fear doing something stu...
by cashboy
Sat Sep 05, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 6390

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

I've reached the ceiling of my current role but it still gives me the right amount of challenge with very little stress. I worked in IT for 40 years. Beware of this above (reaching the ceiling of your current role) as the time will come (if it has not come already) that you are viewed as being over...
by cashboy
Sat Sep 05, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2309

Re: Assessing your investment behavior during the pandemic

What I did right 1. Reviewed, but did not change, my IPS 2. Stayed the Course by adhering to my IPS 3. Stuck with my AA per my IPS (almost breached rebalance bands, but did not) 4. made myself a cup of coffee What I did wrong nothing (for me) TBD make myself another cup of coffee :wink:
by cashboy
Fri Sep 04, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Does dishwasher need to be replaced?
Replies: 16
Views: 1288

Re: Does dishwasher need to be replaced?

i just went through this exercise with my clothes dryer; 10+ years old. most appliance repair places will charge just to come to your house (understandable) and then it goes up from there for parts - plus you may have to go without the machine for a while if the parts required are not readily availa...
by cashboy
Fri Sep 04, 2020 2:19 pm
Forum: Personal Investments
Topic: Father has 300k+ as a 68 year old. What investing strategy would you advise?
Replies: 33
Views: 4622

Re: Father has 300k+ as a 68 year old. What investing strategy would you advise?

for your consideration: use a variation of the three-fund portfolio described here at BH. https://www.bogleheads.org/wiki/Three-fund_portfolio (1) SP500 or Total Stock Market fund (2) an International fund (3) instead of a Bond fund, use a Shariah compliant Bank for cash deposit (based in USA) deter...
by cashboy
Fri Sep 04, 2020 12:34 pm
Forum: Personal Investments
Topic: Bond anxiety
Replies: 53
Views: 5237

Re: Bond anxiety

I am 69 years old and refuse to invest in bonds. I know the logic is when the market crashes, the bonds will level out your returns so you are not tempted to make any hasty decisions and weather the storm. However, my logic is even when the market crashes it usually comes back stronger and the tota...
by cashboy
Wed Sep 02, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 30537

Re: Bear Cub Smells Bubble

000 wrote: Wed Sep 02, 2020 3:26 pm
cashboy wrote: Wed Sep 02, 2020 3:10 pm what do bubbles smell like?
chicken?
Like a stampede of bulls running towards a cliff on a hot summer day.
hmmm...

not very appealing then :wink:
by cashboy
Wed Sep 02, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 30537

Re: Bear Cub Smells Bubble

what do bubbles smell like?
chicken?
by cashboy
Wed Sep 02, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: About to lose my job - How do I prepare
Replies: 18
Views: 5193

Re: About to lose my job - How do I prepare

some great advice given. here is mine: ensure that you work as hard as you always have right up to the last day. maintain your friendly and professional demeanor (though that can be challenging at times) right up to the last moment of your last work day. be the employee that they will have regretted...
by cashboy
Wed Sep 02, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: When to focus on increasing income?
Replies: 41
Views: 2561

Re: When to focus on increasing income?

school now, not later.

BUT, consider working towards a degree that gets you a job in a better paying profession than the salaries you mentioned.

good luck!
by cashboy
Wed Sep 02, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle's Simple Advice for Investors"
Replies: 60
Views: 6466

Re: "Jack Bogle's Simple Advice for Investors"

Taylor,

Thanks for posting things like this that help keep Mr Bogle's legacy alive.
by cashboy
Wed Sep 02, 2020 10:56 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 19622

Re: What is your game plan as market is reaching its previous all time high?

adhere to my IPS as far as AA.

Stay the course,

and enjoy the ride. :wink:
by cashboy
Mon Aug 31, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2945

Re: Recommendations for wheat beer

i know you asked for brands, but i thought i would mention one approach worth considering (if you have not done so already) - and that is home brew. like this (not a recommendation of these vendors; just examples): https://www.homebrewing.org/How-to-Make-Wheat-Beer_ep_36-1.html https://www.northernb...
by cashboy
Mon Aug 31, 2020 10:16 am
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 1021

Re: Rebalancing

cashboy: Holding your Three-Fund Portfolio and Staying-the Course certainly worked well for you. Nevertheless, I might point out that had you rebalanced in March you would be wealthier today. Personally, I rebalance when one of my funds deviates 10% or more from its asset-allocation. Best wishes Ta...
by cashboy
Mon Aug 31, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 1021

Re: Staying the Course and Doing Nothing 50/50 AA chart

my bands are 40/60 60/40. came close that one day.
by cashboy
Sun Aug 30, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 1021

Staying the Course and Doing Nothing 50/50 AA chart

Sharing a chart of my portfolio AA over time (the last 6 months or so). It provides an example of how staying the course and doing nothing can/might be beneficial (at least to some degree). I have a Three-Fund portfolio. 50/50 AA. Adhering to my IPS, my portfolio AA did not meet conditions for a reb...