Search found 400 matches

by jello_nailer
Tue Apr 20, 2021 1:07 pm
Forum: Personal Investments
Topic: Synthetic Cash?
Replies: 28
Views: 2402

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: 80
Views: 4755

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: 80
Views: 4755

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: 156
Views: 14501

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: 2214

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: 5959

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: 5959

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: 5365

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: 54
Views: 3670

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: 54
Views: 3670

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: 5900

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: 207
Views: 22996

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: 14323

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: 3668

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: 9819

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: 816

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: 1108

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: 1108

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: 6653

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: 5260

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: 6653

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: 2711

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: 24044

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: 5123

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: 5832

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: 20679

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: 7107

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: 7107

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: 7107

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: 4682

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: 2396

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: 5556

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: 396

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: 18537

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: 9073

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: 9073

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: 4858

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 ...
by jello_nailer
Fri Feb 05, 2021 6:39 pm
Forum: Personal Consumer Issues
Topic: What are your staple healthy meals?
Replies: 122
Views: 10061

Re: What are your staple healthy meals?

You got about 2/3rds of one our favorites - Spaghetti squash with red sauce. I make red pepper Pomodoro sauce & shrimp. Nothing but sauteed garlic and onions in olive oil, 2 cans canned whole tomato's, Salt and pepper to taste, 1 tsp sugar. Secret: add about 1/4 tsp. anchovy paste (or about 2&qu...
by jello_nailer
Tue Jan 26, 2021 9:44 pm
Forum: Personal Consumer Issues
Topic: Anyone know Paypal well?
Replies: 26
Views: 1403

Re: Anyone know Paypal well?

Most people on here will say Bank Wire, maybe iust Paypal for the deposit.
Since you are the buyer though, you have other concerns, maybe this payment issue should be the sellers concern.
by jello_nailer
Tue Jan 26, 2021 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Porsche 911 as an investment....
Replies: 103
Views: 7135

Re: Talk me out of buying a car as an investment....

Cool. Finally a topic I know a lot about. I bought a '73 911S for $12.5K in 1986 and it subsequently sold on Goodings 20+ years later for $214K. I drove it all those years and put 180K miles on it. Restored it twice. I now have an absolutely pristine, original, low mileage 1975 Carrera; a 1990 trip...
by jello_nailer
Mon Jan 25, 2021 9:10 pm
Forum: Investing - Theory, News & General
Topic: Over 32 million call options traded today, the 2nd most on record (highest was in November)
Replies: 50
Views: 5448

Re: Over 32 million call options traded today, the 2nd most on record (highest was in November)

Everyone has a plan until they get punched in the face.
Said Mr. Tyson
I think this will eventually be interesting.
by jello_nailer
Mon Jan 25, 2021 8:45 pm
Forum: Personal Consumer Issues
Topic: How Far is too Far, Commuting?
Replies: 220
Views: 24895

Re: How Far is too Far, Commuting?

I am currently driving 74 miles one way from new jersey to new york city, i highly recommend not doing so. It is at most times unbearable and hours a day add up to dozens per week. MO MONEY MO PROBLEMS, and you'll get trashed on car maintenance, gas and life quality. Wow Andrew. You beat me soundly...
by jello_nailer
Sat Jan 23, 2021 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Now that I'm a homeowner, how do I track my net-worth in an Excel document?
Replies: 54
Views: 4648

Re: Now that I'm a homeowner, how do I track my net-worth in an Excel document?

I keep things simple. Mortgage (and taxes, HOA, etc) are all just expenses. Then I will estimate the total value of my home and subtract the mortgage balance to get my “equity” to be added to my networth. Since the value of my home isn’t a real contributor any of my retirement calculations, this wo...
by jello_nailer
Sat Jan 23, 2021 5:00 pm
Forum: Personal Investments
Topic: Social Security break even calculators
Replies: 49
Views: 4691

Re: Social Security break even calculators

I don't care what my breakeven point is.

Social Security is our (DW/me) longevity insurance so I use opensocialsecurity.com

This will be a high traffic post.
by jello_nailer
Sat Jan 23, 2021 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Online Car Loans?
Replies: 7
Views: 555

Re: Online Car Loans?

Not sure it's a"good time to buy". If you're paying cash, maybe not - very low inventory & record prices for sellers (private and dealers) I think money is cheap for cars now, but not if you are paying a much higher capitalized amount (cost). Answer is, it depends. Now if you need one ...
by jello_nailer
Sat Jan 23, 2021 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Online Car Loans?
Replies: 7
Views: 555

Re: Online Car Loans?

Lightstream offers an inexpensive unsecured loan that can be used to purchase a car. I found the best rate at a local credit union, however. It would make sense to look at the website of every local credit union. I can still borrow for less than 2%. Maybe you can, too. Another possibility is a marg...
by jello_nailer
Sat Jan 23, 2021 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Online Car Loans?
Replies: 7
Views: 555

Re: Online Car Loans?

Lightstream
by jello_nailer
Sat Jan 23, 2021 1:06 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2021!
Replies: 207
Views: 22996

Re: Roll Call for the Retirement Class of 2021!

I might have just added myself to to the class of 2021. Resigned from Mega last Wednesday. I will be 64 in a few months. Gave them a March 1 date, Megacorp countered - end of year. Told them that's a little self centered and asymmetric on their part and we will negotiate next week. They are not doin...
by jello_nailer
Sat Jan 23, 2021 12:44 pm
Forum: Investing - Theory, News & General
Topic: How to profit from irrational behavior?
Replies: 63
Views: 5284

Re: How to profit from irrational behavior?

+1^
Survivorship bias.

"You don't know about the bazzillions that did not work out". * Embellished KenKats comment above.