Search found 29 matches

by Thranduil
Fri Mar 26, 2021 8:18 am
Forum: Investing - Theory, News & General
Topic: 4% rule disputed (Again??!!)
Replies: 421
Views: 30613

Re: 4% rule disputed (Again??!!)

yhe entire point people are making is that 4% is very safe for 30 years. So is it or isn't it? No one knows. It HAS been... and during some pretty tough times... NEGATIVE real returns in bonds, and stocks were flat for 16 years (Because of inflation). So, yeah most of us feel pretty safe with 4%. B...
by Thranduil
Mon Feb 22, 2021 8:52 am
Forum: Personal Consumer Issues
Topic: A primer on backup battery systems for power outages
Replies: 195
Views: 13440

Re: A primer on backup battery systems for power outages

A garage is the best place to store gas cans for an inverter generator, though when we briefly lived in an apartment, I stored several gas cans in a outdoor 'closet' accessible from our outdoor balcony. A Honda 2200i generator will run about 8 hours on 1 gallon of gasoline at half load, maybe 6 hou...
by Thranduil
Fri Feb 19, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1164
Views: 55170

Re: Bird watchers – what birds are you seeing?

Just curious if anyone else watches birds on YouTube. I have been watching this live bird feeder cam in Ohio. Love seeing so many different birds that we do not have here in Northern Cal.

https://www.youtube.com/watch?v=MtGUTs_HgcE

(I have no affiliation with this YT channel....just a viewer)
by Thranduil
Fri Feb 19, 2021 9:03 am
Forum: Personal Consumer Issues
Topic: Where would you live in Phoenix if you could WFH
Replies: 126
Views: 8631

Re: Where would you live in Phoenix if you could WFH

Have you spent a summer in Phoenix before? If you must, it depends on what you like to do. North Scottsdale, Cave Creek and East Mesa are beautiful and great for golf and trails. Central Scottsdale, Tempe and parts of Phoenix have more energy and excitement. But, I would never spend another summer ...
by Thranduil
Fri Feb 12, 2021 10:02 am
Forum: Personal Consumer Issues
Topic: Help find an unbiased news source...
Replies: 90
Views: 4653

Re: Help find an unbiased news source...

Name any news source -- someone will say it is biased. (And maybe it is, from their context.) To me, the most important thing is to stay away from cable news, in all of its forms. The need to drive viewers 24/7 does odd things. For me: NPR, The Economist. The NPR podcast "Up First" is part...
by Thranduil
Sun Feb 07, 2021 12:05 pm
Forum: Personal Investments
Topic: Your mental "tricks" to avoid doing dumb things?
Replies: 73
Views: 5306

Re: Your mental "tricks" to avoid doing dumb things?

Do you have any tricks to stay on track? My #1 trick, only recently learned, is to stop reading most of the financial press and nearly all financial message boards (except for this one). Slow, steady and simple wins the race. So I don't need all of those talking heads shouting advice at me (especia...
by Thranduil
Sun Feb 07, 2021 12:02 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1164
Views: 55170

Re: Bird watchers – what birds are you seeing?

there is some kind of cool looking woodpecker that comes by. Could it be an acorn woodpecker ? Their granary trees are a sight to see. We stayed in a VRBO house one time that had wood siding - it was a granary house! Yes! That's it! How cool, thank you so much. This is my favorite bird that comes a...
by Thranduil
Sun Feb 07, 2021 12:01 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10103

Re: What are your staple healthy meals?

PBJ on ezekiel bread with berries and milk. Simple, cheap and provides necessary nutrients. Many will laugh, my wife does, but it's a quick and healthy meal that is often thought of as for "kids" PBJ is one of the true great inventions in human history, right up there with the wheel and m...
by Thranduil
Sat Feb 06, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10103

Re: What are your staple healthy meals?

1. Baked potatoes, in the instant pot (8 minutes).

2. Acorn squash/brown sugar/butter, in the instant pot (10 minutes).

3. Easy chicken curry -- chicken + carrots + spices + chicken stock.

4. Sautéed mushrooms. Can't get enough of them. Just shrooms + EVOO + salt and pepper. Yum.
by Thranduil
Sat Feb 06, 2021 9:46 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 1164
Views: 55170

Re: Bird watchers – what birds are you seeing?

Love this thread. I am just starting to get into bird watching and feeding.....and I have to say: stunned at how fast the birds outside my home office windows can empty my feeder full of black sunflower seeds. Holy cow, even the 25 lb bag from Amazon may not be enough. Located in Northern California...
by Thranduil
Sat Feb 06, 2021 9:41 am
Forum: Investing - Theory, News & General
Topic: Has Bogleheads lost its direction?
Replies: 331
Views: 29812

Re: Has Bogleheads lost its direction?

First rule of any Internet forum is you can keep scrolling. You don’t have to click on any thread that does not interest you. Anyone could skip the GME thread that wanted to as well. I am a three fund investor but I have learned a lot about clearinghouses, settlement times, etc in that thread. Ther...
by Thranduil
Wed Feb 03, 2021 8:44 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 505
Views: 90414

Re: Good Modern Science Fiction

OK, I realize this doesn't technically fall into the category of science fiction, but if you're in Barnes and Noble, it's in the Fantasy / Sci Fi section. A number of years (circa early 1990s) ago I began reading The Wheel of Time by Robert Jordan, a fantasy series. Lots of twists and turns and wha...
by Thranduil
Mon Feb 01, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: When is buying a home generator worth it?
Replies: 63
Views: 5706

Re: When is buying a home generator worth it?

After considering the options, we opted for "simple and cheap" -- 2 portable Honda generators sitting on a garage shelf, ready to go when needed. We opted for the EU2200i -- 2200 watts, weighs only about 50 pounds, easy to start. More than enough to run a freezer + fridge, a bunch of light...
by Thranduil
Mon Feb 01, 2021 9:45 am
Forum: Personal Consumer Issues
Topic: Cloud storage
Replies: 36
Views: 2343

Re: Cloud storage

Thanks everyone for quick replies. I learnt lot if useful information. I will go with icloud, backblaze Add Time Machine to a local backup drive (which are cheap) and you are set. I use: 1. Time Machine (and the equivalent on Windows for my son) to a local NAS. 2. Apple One family subscription (whi...
by Thranduil
Mon Feb 01, 2021 9:35 am
Forum: Personal Consumer Issues
Topic: Buying 2020 US Coin Proof Sets
Replies: 6
Views: 952

Re: Buying 2020 US Coin Proof Sets

honduranhurricane wrote: Fri Jan 29, 2021 11:56 pm I have used EBAY to backfill proof sets and silver eagles for each year my son has been around (just turned 6).
What a cool idea!
by Thranduil
Mon Feb 01, 2021 9:31 am
Forum: Personal Consumer Issues
Topic: anyone use Dashlane? (password manager)
Replies: 10
Views: 627

Re: anyone use Dashlane? (password manager)

Anyone else having issues w/ this program? Have had good luck since I started using it but this recent change has me thinking of going elsewhere. Just resetting tons of passwords in a new program sounds like a daunting level of work. I used to use DL, switched to something else a while back (they a...
by Thranduil
Sun Jan 31, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: All In One Computer?
Replies: 56
Views: 3218

Re: All In One Computer?

Lots of good advice here. I will throw out another vote for an iMac, if that is within your/his budget. OS aside, the hardware is fantastic and you can set it up with just one cord - the power cord - and WiFi to the printer. Easy peasy. You mentioned wanting a 24" monitor. iMacs (currently) com...
by Thranduil
Sun Jan 31, 2021 9:05 am
Forum: Personal Consumer Issues
Topic: Any Minimalists on here?
Replies: 300
Views: 30612

Re: Any Minimalists on here?

I have accumulated way too much "crap" (unneeded stuff) over the years. I currently have a weekly goal to throw away/donate/give away one garbage bag of "stuff"......been doing this for a while and unfortunately have yet to see a real dent. Onward!
by Thranduil
Sat Jan 30, 2021 11:00 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel like you are doing investing all wrong?
Replies: 127
Views: 10415

Re: Does anyone feel like you are doing investing all wrong?

When you read about people losing 100% overnight, did you also think you were doing investing wrong then? If you haven't read about people losing 100% overnight, do you believe that was because nobody was losing 100% overnight, or because nobody was posting about losing 100% overnight? Now that is ...
by Thranduil
Sat Jan 30, 2021 10:56 am
Forum: Personal Investments
Topic: Avoiding market timing is HARD
Replies: 58
Views: 4614

Re: Avoiding market timing is HARD

I find it helpful to remind myself that no one -- NO ONE -- has consistently and accurately predicted the market over time. Invariably, this year's "wonder money manager" who is on the cover of every money magazine and website will be next year's big loser. I am not saying every active tra...
by Thranduil
Tue Jan 26, 2021 9:30 am
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 223
Views: 13673

Re: Any boring investors left?

I am not boring yet, but on a journey to get there. My employer provides me a "free" Goldman Sachs (AYCO) financial advisor (I pay only taxes on the annual cost of the advisor), and for years I allowed that advisor to control my money....I owned all sorts of investments most of which I did...
by Thranduil
Mon Jan 18, 2021 11:00 am
Forum: Personal Consumer Issues
Topic: Microsoft Office - scanning?
Replies: 15
Views: 1384

Re: Microsoft Office - scanning?

SwiftScan Pro app on my phone has replaced my Fujitsu ScanSnap for all but the largest scan jobs. Easy to use, does a great job (e.g., straightening documents), and saves the files nearly anywhere you want (in my case, Dropbox). Sounds like you are a light computer user. You may not (probably not......
by Thranduil
Mon Jan 18, 2021 10:52 am
Forum: Investing - Theory, News & General
Topic: New York Times: How to Be a Better Investor: Do Nothing
Replies: 23
Views: 5323

Re: New York Times: How to Be a Better Investor: Do Nothing

Here's another really good article, from October 2020. https://www.nytimes.com/2020/10/08/business/mutfund/saving-money.html John C. Bogle and Joseph Heller had the answer. All of this has gotten me to recall a story Mr. Bogle, the founder of Vanguard, used to begin one of his books. “At a party giv...
by Thranduil
Sat Jan 09, 2021 12:48 pm
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 331
Views: 23338

Re: Tips to stick to a weight loss diet?

A lot of mentions of addictive, glucose spiking carbs here in this thread and I get that. I have also read that protein spikes glucose as well, particularly whey protein. Any tips for consuming protein (since carbs are out lol) to minimize the glucose hit? Only eat fatty meats, not lean meats? Your...
by Thranduil
Sat Jan 09, 2021 9:56 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 331
Views: 23338

Re: Tips to stick to a weight loss diet?

Many of us have so much of this stored energy but we can not really tap into it, because we are sugar burners. We are fueling our body with the chronic consumption of carbs, starches and sugars. Think of our body as a refrigerator. In the freezer we store fat and in the fridge we store sugar (gluco...
by Thranduil
Sat Aug 22, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 111
Views: 12672

Re: Favorite youtube channels?

quantAndHold wrote: Fri Jun 07, 2019 2:03 pm
[*]Medlife Crisis - a wickedly funny cardiologist talks about medicine and science topics.
Oh, thanks for this one. Outstanding.
by Thranduil
Mon Jun 15, 2020 6:33 pm
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio [new thread]
Replies: 25
Views: 1855

Re: Help me Built a Dividend Growth Investment Portfolio [new thread]

I can't quite embrace the concept of worrying about withdrawals reducing a $30M portfolio, but the fact is that if you look at dividend growth funds, they yield about the same dividends or sometimes less than a total market fund. As is often the case, there seems to be some confusion here between h...
by Thranduil
Mon Jun 15, 2020 6:29 pm
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio [new thread]
Replies: 25
Views: 1855

Re: Help me Built a Dividend Growth Investment Portfolio [new thread]

Thank you all for the education. I guess I had been assuming (and with such assumption egged on by a financial adviser) that retirement should bring a wholesale change to my overall investment approach, towards income. Thank you for the correction. Thank you also for the welcomes. I did not realize ...
by Thranduil
Mon Jun 15, 2020 1:46 pm
Forum: Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio [new thread]
Replies: 25
Views: 1855

Help me Built a Dividend Growth Investment Portfolio [new thread]

I just prefer to get as much income as reasonably possible from dividends rather than constantly having to sell shares. Resurrecting this thread from last year.... Subject: Help me Built a Dividend Growth Investment Portfolio [Link to referenced topic added by Moderator Misenplace] I am trying to b...