Search found 413 matches

by jello_nailer
Sat May 08, 2021 10:58 pm
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 750
Views: 34270

Re: Crypto mania !

My wife’s friend apparently is a crypto success story and my wife has been after me to buy Doge coin for a few weeks now So we just opened Robinhood account to do so with Money we were willing to lose ! Are you concerned that you're a bit late to the Doge party? Nothing ever got to 300,000% gain wi...
by jello_nailer
Tue May 04, 2021 8:52 pm
Forum: Investing - Theory, News & General
Topic: Leveraging with options vs margin
Replies: 66
Views: 3400

Re: Leveraging with options vs margin

Why are you "convincing myself that my long term strategy might end up to be using leverage in a portfolio containing a relatively low risk ETF"? It's the way to increase the expected return in line with my risk tolerance that I find most persuasive. And it's a substitute for time or impa...
by jello_nailer
Tue May 04, 2021 8:47 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k rollover at retirement
Replies: 10
Views: 1012

Re: Roth 401k rollover at retirement

It actually wouldn't make any difference. You can trade funds all you want with no consequences inside the box. Who's the financial institution? 401k is with Fidelity Our personal Roth's are with Vanguard Timely quote, I just liquidated my Vanguard 401K-Roth (portion) a day or so ago so I can roll ...
by jello_nailer
Fri Apr 30, 2021 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: How long should I keep this car loan?
Replies: 13
Views: 957

Re: How long should I keep this car loan?

Yes it's normal practice now and it's such a small sum of money to pay in interest I don't think it matters. Pay it off or don't. I personally finance my cars @ 1.60% with no worries. 3% isn't much more. Would that be 1.59% rounded up? Haha no, exactly 1.60%. 1.6% is a decent rate now, can you shar...
by jello_nailer
Fri Apr 30, 2021 8:44 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 237
Views: 27846

Re: Roll Call for the Retirement Class of 2021!

Well, I missed April 1. Change in plans, it's now April 30. Instead of squeezing my head like a grape they did it the old fashioned way - :moneybag Apparently I can be bought and now we know the price... Change please - April 30th. Hi jello_nailer - OK, we moved you down 30 days to April 30th. Not ...
by jello_nailer
Fri Apr 30, 2021 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How long should I keep this car loan?
Replies: 13
Views: 957

Re: How long should I keep this car loan?

RobLyons wrote: Fri Apr 30, 2021 8:27 pm Yes it's normal practice now and it's such a small sum of money to pay in interest I don't think it matters. Pay it off or don't. I personally finance my cars @ 1.60% with no worries. 3% isn't much more.
Would that be 1.59% rounded up?
by jello_nailer
Sun Apr 25, 2021 9:39 am
Forum: Personal Consumer Issues
Topic: Wireless Earbuds/Headphones Recommendations?
Replies: 59
Views: 4316

Re: Wireless Earbuds/Headphones Recommendations?

I rather like my Jabra Elite 65t earbuds. They have a good battery life and are pretty comfortable. A little less costly than the Apple earbuds. I do wish they had a mute button on the earbud itself. ^ +1 I have these too. Pretty good, I can't say anything negative about them. Fit great, sound good...
by jello_nailer
Sat Apr 24, 2021 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are Roth Accounts Overrated?
Replies: 145
Views: 15666

Re: Are Roth Accounts Overrated?

My son, who just started his first job two years ago, is contributing to a Roth while his income is lower (at the beginning of his career), on the advice of my Schwab advisor. I advised my kids the same. Paying basically peanuts in taxes now just starting. One of them I offered to help pay the tax ...
by jello_nailer
Sat Apr 24, 2021 10:17 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 237
Views: 27846

Re: Roll Call for the Retirement Class of 2021!

A short stream of conscious. For me it's October one and done. Even have an app on the phone that counts the days down. Yep, it's come to that. What will I do? Just rest and be and recharge. I'll take time and I'll take stock and I'll think about the things I want to get done and things I haven't d...
by jello_nailer
Sat Apr 24, 2021 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: How do you stop moving your goalpost ?
Replies: 88
Views: 7799

Re: How do you stop moving your goalpost ?

+1 Klangfool Read the obituaries. As friends and acquaintances dropped dead sooner than expected, I knew my time is finite. Use it or lose it. You are prudent enough. Odds are you will die with more in your portfolio than you have now. You've worked hard for retirement. Now it is time to do the wre...
by jello_nailer
Sat Apr 24, 2021 1:54 pm
Forum: Personal Investments
Topic: How do you handle "fun money"?
Replies: 70
Views: 7202

Re: How do you handle "fun money"?

barnaclebob wrote: Thu Nov 12, 2020 2:52 pm I spend it on woodworking tools and boat upgrades.

But 10% of your money underperforming by 10% is pretty much the same as giving it all to Edward Jones...
Without the fun.
by jello_nailer
Fri Apr 23, 2021 9:30 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 237
Views: 27846

Re: Roll Call for the Retirement Class of 2021!

Well, I missed April 1. Change in plans, it's now April 30. Instead of squeezing my head like a grape they did it the old fashioned way - :moneybag Apparently I can be bought and now we know the price... Change please - April 30th. Hi jello_nailer - OK, we moved you down 30 days to April 30th. Not ...
by jello_nailer
Fri Apr 23, 2021 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: What Were Your Regrets after Retiring? (serious question)
Replies: 322
Views: 40887

Re: What Were Your Regrets after Retiring? (serious question)

I feel bad for you and your friends. The most common reason people leave their jobs is due to their manager. Word! Hated my bosses and the feeling was mutual. Otherwise I was lucky in that I loved what I was doing - hanging out with super-cool celebs. But I agree with others that the job is just a ...
by jello_nailer
Tue Apr 20, 2021 1:07 pm
Forum: Personal Investments
Topic: Synthetic Cash?
Replies: 28
Views: 2455

Re: Synthetic Cash?

I guess it’s a tough question to answer, it feels like any cash (unless it’s sitting in an I-bond I bought 12 months ago) is just dead weight. And that irritates me. It’s not “dead weight”, it is “ballast”. If you can see it this way it will help provide perspective. Ballast is there to keep the bo...
by jello_nailer
Sun Apr 18, 2021 10:14 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 81
Views: 5264

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

jello_nailer wrote: Sun Apr 18, 2021 10:13 pm I lived in Ketchum/Sun Valley. Great place, wouldn't take beginners there. Hard to beat Park City. And I also love Copper, good choice.
by jello_nailer
Sun Apr 18, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: Ski Resort Recommendations for the first-timers? (emphasis on resort)
Replies: 81
Views: 5264

Re: Ski Resort Recommendations for the first-timers? (emphasis on resort)

I lived in Ketchum/Sun Valley. Great place, wouldn't take beginners there. Hard to beat Park City.
by jello_nailer
Fri Apr 16, 2021 3:33 pm
Forum: Personal Consumer Issues
Topic: Why leasing a new car is always the best option even if you intend to keep it forever
Replies: 158
Views: 15633

Re: Why leasing a new car is always the best option even if you intend to keep it forever

Every time you buy or lease a car at a dealership, there is a negotiation. You are on one side of the table. On the other side is a team of professionals with loads of information you do not have. With diligence, luck, flexibility, you may even come out ahead (those guys sometimes get caught with t...
by jello_nailer
Thu Apr 15, 2021 7:28 pm
Forum: Personal Consumer Issues
Topic: Wi-Fi router recommendations
Replies: 28
Views: 2281

Re: Wi-Fi router recommendations

I went ORBI also, has worked superbly for over a year.
by jello_nailer
Tue Apr 13, 2021 9:50 pm
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 6186

Re: Best 4 wheel drive vehicle

As they say, A Range Rover or Jeep will take you out in the bush (desert, mountains, etc.),
The Land Cruiser will bring you back...
by jello_nailer
Mon Apr 12, 2021 10:11 am
Forum: Personal Consumer Issues
Topic: Best 4 wheel drive vehicle
Replies: 75
Views: 6186

Re: Best 4 wheel drive vehicle

7eight9 wrote: Sun Apr 11, 2021 9:58 pm Toyota Hilux or Land Cruiser depending on your budget.
I just bought a '16 Land Cruiser to replace my 2005 Cayenne Turbo. LC gets my vote.

(This is a "forever vehicle" for me)
by jello_nailer
Sun Apr 11, 2021 9:20 pm
Forum: Personal Investments
Topic: Buying a 1.5M house in Austin. Should I pull it?
Replies: 51
Views: 5443

Re: Buying a 1.5M house in Austin. Should I pull it?

You may want to check on the all-in annual property taxes, city, county, school, MUD, etc. Could be $40-$50K a year. Kind of eats into that rental income.
by jello_nailer
Wed Apr 07, 2021 9:48 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6266

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

mortfree wrote: Wed Apr 07, 2021 8:57 pm Any chance the sound started after a tire rotation?

maybe one of the tires is backwards and is creating the noise.

Longshot but never know
Certainly possible if they are directional. Look for the arrows on the side walls.
-------->
ROTATION
by jello_nailer
Wed Apr 07, 2021 8:49 pm
Forum: Personal Consumer Issues
Topic: 2019 Porsche Macan Excessive Tire Noise: Options?
Replies: 84
Views: 6266

Re: 2019 Porsche Macan Excessive Tire Noise: Options?

Rather than buy new tires, it might be worth your time to investigate sound deadening/sound isolation systems/mats/blanket/insulation. You would basically apply these materials in your wheel wells and body panels to deaden the sound. Here's a video of someone installing these mats in the wheel well...
by jello_nailer
Mon Apr 05, 2021 9:43 pm
Forum: Personal Investments
Topic: 2021 Check Up. 31 Years Old. NW $5M.
Replies: 48
Views: 5969

Re: 2021 Check Up. 31 Years Old. NW $5M.

camillus wrote: Mon Apr 05, 2021 4:49 pm Tighten your belt a bit to increase your savings rate. Cut cable.

You can catch up! It will be painful but worth it in the end.
True dat, I don't care where you're from, dats funny.^
by jello_nailer
Mon Apr 05, 2021 7:47 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 237
Views: 27846

Re: Roll Call for the Retirement Class of 2021!

Well, I missed April 1.

Change in plans, it's now April 30. Instead of squeezing my head like a grape they did it the old fashioned way - :moneybag

Apparently I can be bought and now we know the price...

Change please - April 30th.
by jello_nailer
Fri Apr 02, 2021 8:04 am
Forum: Investing - Theory, News & General
Topic: Nate Silver sums up trying to beat the market very well
Replies: 105
Views: 14639

Re: Nate Silver sums up trying to beat the market very well

My "strategy" is to buy the stocks of companies whose products I enjoy using. Then, never sell. Had I bought AAPL when I bought my first Mac, I'd be on Easy Street today. However, it also would have tested my patience by significantly underperforming the market for a few periods in time. ...
by jello_nailer
Wed Mar 31, 2021 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How much retirement notice to give
Replies: 66
Views: 3794

Re: How much retirement notice to give

Goal33 wrote: Wed Mar 31, 2021 12:37 pm Who cares? give as much notice as you want. When does your yearly bonus come in? give your 2 weeks or 2 months notice after that.
A big +1 ^

It's not your problem and if they don't have a contingency plan, shame on them. If you're 65 they better have one...
by jello_nailer
Wed Mar 24, 2021 9:33 pm
Forum: Personal Investments
Topic: Transferring entire 500k taxable account to Bitcoin?
Replies: 169
Views: 9963

Re: Transferring entire 500k taxable account to Bitcoin?

When you walked away I thought at first you were a cowboy, then I realized you liquidated $500k of your taxable and went all in on bitcoin.

I was listening for brass clanging but I just couldn't hear anything...
by jello_nailer
Wed Mar 24, 2021 9:29 pm
Forum: Personal Consumer Issues
Topic: Whiplash settlement experience?
Replies: 9
Views: 825

Re: Whiplash settlement experience?

I had a similar experience with nearly the same level of damage, though the speed I was hit may have been a little more. I settle a year and one day later. They pushed me hard to get this liability off their books for the first 6 weeks until I finally told them to quit harassing me. I'll call you wh...
by jello_nailer
Wed Mar 24, 2021 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: Approved for Personal Loan in 15 minutes
Replies: 12
Views: 1122

Re: Approved for Personal Loan in 15 minutes

Lightstream. $50k loan in an hour with about a 1 minute form filled out. I think it was 2.69%. Would have been in my account that afternoon if I had taken it. Didn't need the money in the end and it expired in 30 days. I agree, it's crazy. Or scary - they already know everything they need to know a...
by jello_nailer
Wed Mar 24, 2021 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Approved for Personal Loan in 15 minutes
Replies: 12
Views: 1122

Re: Approved for Personal Loan in 15 minutes

Lightstream. $50k loan in an hour with about a 1 minute form filled out. I think it was 2.69%. Would have been in my account that afternoon if I had taken it. Didn't need the money in the end and it expired in 30 days. I agree, it's crazy. Or scary - they already know everything they need to know ab...
by jello_nailer
Mon Mar 22, 2021 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6761

Re: Need career suggestions for adult son

Perhaps computer-aided manufacturing is worth a look: https://technogilesolutions.com/2020/08/computer-aided-manufacturing/ This has replaced traditional machining to a significant extent. Training for it is a 12-month program at a community college. It may appeal to an artist because it is a form ...
by jello_nailer
Mon Mar 22, 2021 9:38 pm
Forum: Personal Consumer Issues
Topic: Baylor, Auburn or ‘Bama?
Replies: 73
Views: 5435

Re: Baylor, Auburn or ‘Bama?

From what I understand, and others can certainly comment, a close look at how U.S. News Ranking is actually complied and what the ranking means could be eye opening. We had one go to Ole Miss for the quintessential college experience, which we thought was just as important, managerial and corporate ...
by jello_nailer
Mon Mar 22, 2021 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Need career suggestions for adult son
Replies: 72
Views: 6761

Re: Need career suggestions for adult son

It's a great time to enter construction trades. The workforce was gutted by the great recession. Meanwhile, demand is skyrocketing. Way more jobs than candidates. Lots of musicians and artists work the trades and gig/create on days off. Only minimal interpersonal skills are required as long as you ...
by jello_nailer
Mon Mar 22, 2021 7:22 pm
Forum: Personal Consumer Issues
Topic: New Glasses, Costco or Walmart?
Replies: 41
Views: 2802

Re: New Glasses, Costco or Walmart?

Have an appointment with my ophthalmologist tomorrow, and I know I'll need new glasses. If I get the prescription from him, would you recommend Costco or Walmart for new frames and glasses? I prefer doing this in person rather than using online retailers. We've used Costco Optical for years (10+) a...
by jello_nailer
Thu Mar 18, 2021 1:20 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 24842

Re: What is the BEST thing you spent money on?

My kids’ college education. I know it’s not every BH’s way, but figuratively I wrote every check with a smile. Paid off too :D Same here. However, the best things in life cost me little, if anything, like a smile received, or a thank you, or a pat on the head. or a belly rub or back scratch.. Woof ...
by jello_nailer
Sun Mar 07, 2021 10:50 am
Forum: Personal Consumer Issues
Topic: I need a trickle car battery charger for garage queen...
Replies: 84
Views: 5251

Re: I need a trickle car battery charger for garage queen...

I had the same trouble with my 2006 Lexus SC430 that was only driven once in a while. I installed this: Battery Tender Junior 12V Charger and Maintainer: Automatic 12V Powersports Battery Charger and Maintainer for Motorcycle, ATVs, and More - Smart 12 Volt, 750mA Battery Float Chargers - 021-0123 ...
by jello_nailer
Thu Mar 04, 2021 8:08 pm
Forum: Investing - Theory, News & General
Topic: Why 100% stocks and not use some put option writing?
Replies: 97
Views: 5869

Re: Why 100% stocks and not use some put option writing?

If I'm understanding you correctly, the put option is there for insurance against downswings in the value of your stock allocation. Insurance has a negative expected value: you are paying a small price over time to offset the risk of a single large event wiping you out. As long as your stock alloca...
by jello_nailer
Mon Mar 01, 2021 8:35 pm
Forum: Investing - Theory, News & General
Topic: Were You Around During Dotcom Bubble?
Replies: 266
Views: 20856

Re: Were You Around During Dotcom Bubble?

Although I was definitely around, I was not involved in the stock market. But I do know about that infamous era. Did any of you guys dabbled in the stock market then and what lesson did you learn? Buy during bear markets. US market always recovers. Always. I'm just curious to know if there are any ...
by jello_nailer
Mon Mar 01, 2021 8:15 pm
Forum: Investing - Theory, News & General
Topic: Lost decade, how about the lost 25 yrs?
Replies: 56
Views: 7144

Re: Lost decade, how about the lost 25 yrs?

1929 was actually a good year to retire. 1966 was the worst year. Not to hijack this thread corn, where did you get this chart? I thought I remember seeing on with all the 30 year 4% withdrawal rate returns from every back maybe 100 years. Tks It came from my spreadsheet. I have all the historical ...
by jello_nailer
Mon Mar 01, 2021 7:27 pm
Forum: Investing - Theory, News & General
Topic: Lost decade, how about the lost 25 yrs?
Replies: 56
Views: 7144

Re: Lost decade, how about the lost 25 yrs?

1929 was actually a good year to retire. 1966 was the worst year. https://www.early-retirement.org/forums/members/35183-albums227-picture2369.jpg Not to hijack this thread corn, where did you get this chart? I thought I remember seeing on with all the 30 year 4% withdrawal rate returns from every b...
by jello_nailer
Mon Mar 01, 2021 7:24 pm
Forum: Investing - Theory, News & General
Topic: Lost decade, how about the lost 25 yrs?
Replies: 56
Views: 7144

Re: Lost decade, how about the lost 25 yrs?

Brianmcg321 wrote: Mon Mar 01, 2021 4:57 pm
corn18 wrote: Mon Mar 01, 2021 3:10 pm 1929 was actually a good year to retire. 1966 was the worst year.

Image
Easy solution. Start with more money. :beer
Or live only 30 more years.
by jello_nailer
Sun Feb 28, 2021 2:26 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 106
Views: 4798

Re: Do I need new tires?

You know, I've gotten to place where I don't fret these kinds of choices any more. The tires will have to be replaced at some point and depending on how long you keep the car, it probably doesn't matter. If you sell the car at 100k miles, for example, this would the only tire change you'd likely ma...
by jello_nailer
Wed Feb 24, 2021 3:41 pm
Forum: Investing - Theory, News & General
Topic: Microstrategy (MSTR) and Bitcoin
Replies: 36
Views: 2410

Re: Microstrategy (MSTR) and Bitcoin

Look at RIOT.
Riot Blockchain - 6 employees, market cap $3.3B
by jello_nailer
Wed Feb 24, 2021 3:38 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5971

Re: What is the deal with "DW"?

I don't like DH or DW. I'm trying to get "my boo" to trend on Bogleheads but no luck yet. I could get on board with this one. Why can't we just use "hon" :twisted: OMG... "don't get me started!" Grrrrr. Anything other than "hon". Anything... (At least you put...
by jello_nailer
Tue Feb 23, 2021 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Used Car Loan Rates
Replies: 4
Views: 401

Re: Used Car Loan Rates

+1 on Lightstream, good company. They have 2.49 for 36 months for a max of $24,999. They offered me 3.49% for 60mths but for $49,999. Instead I went with JPM Chase at 2.5% Was doing a cash deal last weekend on a used Land Cruiser and the finance guy ran it for grins, 2.5% was the magic number for me...
by jello_nailer
Thu Feb 18, 2021 4:12 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18653

Re: Any Boglehead Lessons From the Texas Winter Storm?

Most of those frozen or refrigerated food items had to be tossed after day 2. I do not understand this statement. Where I live in Texas (we lost power), outside was cold enough for all frozen food and certainly more than cold enough for anything in the fridge. One of the benefits of winter camping ...
by jello_nailer
Thu Feb 18, 2021 11:24 am
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9207

Re: How should I spend all this money?

SmileyFace wrote: Thu Feb 18, 2021 10:45 am Donate to fellow Bogleheads in need. I will PM you my name and address to send the check to.
^ That's it! Crowdfund your 25X to 40X. And it will bring great joy to someone with a smileyface
by jello_nailer
Wed Feb 17, 2021 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: How should I spend all this money?
Replies: 72
Views: 9207

Re: How should I spend all this money?

Spend $20k on a cruise. Learn to spend your money and enjoy it. Otherwise someone else will. ^ This. Like a Seadream or Seabourn, Silver Sea small ships. It's nice to have someone know your name and what you like throughout the cruise - "Mr. Jello, thought you might like a Balvenie Double Cask...
by jello_nailer
Wed Feb 10, 2021 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Loan to friend. Secure with second mortgage.
Replies: 81
Views: 4891

Re: Loan to friend. Secure with second mortgage.

How comfortably retired are you? Could you just gift him the money? Very securely retired. Not rich but I live way below my means and have simple tastes. I could easily gift him the money but that would be socially awkward. Has he asked you for financial help directly? No. If he can't pay you back ...