Search found 2977 matches

by JupiterJones
Wed Apr 14, 2021 8:59 am
Forum: Personal Investments
Topic: Which would you do with a small windfall? Pay remaining mortgage or 3-fund it?
Replies: 39
Views: 3106

Re: Which would you do with a small windfall? Pay remaining mortgage or 3-fund it?

I pretty much have come to the conclusion that the reducing stress of debt is worth the opportunity cost of what I *might* make investing instead. Not so sure I'd call a $300K windfall "small" :D , but I'm with you on your strategy here. If you've got a big pile of "spare" money...
by JupiterJones
Tue Apr 13, 2021 9:39 am
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 44
Views: 4222

Re: Emergency (oh my God fund)

A defined EF is particularly important in the early and mid stages of getting your financial act together, once you're sitting on a big ol' pile, it's less necessary. For example: Phase One: You're young and have debt that you need to pay off (credit cards, car loans, etc.) The standard advice is to...
by JupiterJones
Thu Apr 08, 2021 9:53 am
Forum: Investing - Theory, News & General
Topic: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?
Replies: 108
Views: 11372

Re: TSLA gamed the system - Could Index Funds Be ‘Worse Than Marxism’?

What does the philosphy of the German political theorist Karl Marx have anything to do with this? That's a direct quote from the linked Atlantic article. Well its a silly clickbait quote. More than any random quote... it's the headline of the Atlantic article. An opportune time to bring up the Law ...
by JupiterJones
Tue Apr 06, 2021 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Down Payment Strategy
Replies: 14
Views: 1450

Re: Down Payment Strategy

Should the strategy be to put as little down as possible to minimize end of month "savings" to maximize the dollars invested or should we put a little more money down to grow that $2K/mo savings at the sacrifice of the $700-$900K investment into the market? There's also the third option t...
by JupiterJones
Mon Apr 05, 2021 3:41 pm
Forum: Personal Consumer Issues
Topic: Storage Unit Rent Increase
Replies: 32
Views: 2845

Re: Storage Unit Rent Increase

I just recently read that 90% of the world's self-storage is in the US.

We're about 4% of the world's population.

:shock:
by JupiterJones
Mon Apr 05, 2021 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Am I crazy for having a high deductible?
Replies: 18
Views: 1938

Re: Am I crazy for having a high deductible?

I am a little envious of my neighbor, who is also getting his roof replaced but is only paying a $1,000 deductible. Well I'd imagine your neighbor would be a little envious of your homeowner's insurance bill. :D I think you made absolutely the right call. The cheapest insurance is always self insur...
by JupiterJones
Mon Apr 05, 2021 3:19 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5163

Re: Best nonstick pans?

We've used GreenPan from Target for almost 10 years. Never had a problem with either the 10" fry pan for omelettes, or the 5qt, for larger entrees. Seconded. Not sure if they're any better or worse than other ceramic pans, but I picked up a couple off of Amazon and like them a lot. Tossed out ...
by JupiterJones
Thu Apr 01, 2021 9:47 am
Forum: Personal Consumer Issues
Topic: Storage Unit Rent Increase
Replies: 32
Views: 2845

Re: Storage Unit Rent Increase

around me they are building storage units like wildfire, unsure why. I get the usefulness on occasion, but not sure where the need is deriving from. I mean, its a lot of them. It is amazing. The self-storage industry rakes in nearly $40 billion per year. There is literally enough rentable storage s...
by JupiterJones
Mon Mar 22, 2021 4:11 pm
Forum: Personal Consumer Issues
Topic: Where to store important documents
Replies: 9
Views: 1180

Re: Where to store important documents

Those were the first things that popped into my head as well. I guess another strategy would be two (or more) well-hidden, somewhat smaller, fireproof safes, into which you'd divide up these important documents rather than keep them all in one place. So if one location were compromised, you wouldn't...
by JupiterJones
Mon Mar 22, 2021 10:54 am
Forum: Personal Consumer Issues
Topic: Music for tweens and teens
Replies: 18
Views: 1287

Re: Music for tweens and teens

Yup, it seems that, like with movies and TV, the music market has moved largely to streaming services, with Spotify being the front-runner from what I can tell. And the advantages and drawbacks with something like Spotify vs. actually owning the media are similar as they are with streaming video. On...
by JupiterJones
Sat Mar 20, 2021 9:14 am
Forum: Investing - Theory, News & General
Topic: Logical fallacies on Bogleheads
Replies: 23
Views: 1944

Re: Logical fallacies on Bogleheads

Confirmation bias

Survivorship bias
by JupiterJones
Fri Mar 19, 2021 3:52 pm
Forum: Personal Consumer Issues
Topic: Club Publix: Worth It?
Replies: 17
Views: 2413

Re: Club Publix: Worth It?

Okay, now I'm leaning towards signing up.

But maybe with a Google number just so I don't get my real cell spammed any more than it is already...
by JupiterJones
Thu Mar 18, 2021 2:34 pm
Forum: Investing - Theory, News & General
Topic: "The Psychology of Money" -- a Gem
Replies: 32
Views: 5955

Re: "The Psychology of Money" -- a Gem

Some great gems there, Taylor! I'm going to file these two away in particular, under the heading "general life advice": The most important part of every plan is to plan on the plan not going according to plan Things that have never happened before happen all the time You know, the author ...
by JupiterJones
Thu Mar 18, 2021 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: What expenses should be part of an emergency fund?
Replies: 37
Views: 2903

Re: What expenses should be part of an emergency fund?

The car replacement currently offers the most flexibility - my current car runs/looks fine, but it is burning oil and I have to check/add oil every few weeks. I can keep the car for a few more years, if necessary. There's also additional flexibility in that, if it comes down to it, you don't have t...
by JupiterJones
Tue Mar 16, 2021 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: What expenses should be part of an emergency fund?
Replies: 37
Views: 2903

Re: What expenses should be part of an emergency fund?

It seems that several people who responded have efunds and sinking funds (though not everyone uses those terms), so that they actually have a lot more cash on hand than the normally recommended 3-6 months of expenses. While you'll see different things in different places written by different people...
by JupiterJones
Tue Mar 16, 2021 11:57 am
Forum: Investing - Theory, News & General
Topic: "The Psychology of Money" -- a Gem
Replies: 32
Views: 5955

Re: "The Psychology of Money" -- a Gem

Some great gems there, Taylor! I'm going to file these two away in particular, under the heading "general life advice": The most important part of every plan is to plan on the plan not going according to plan Things that have never happened before happen all the time You know, the author a...
by JupiterJones
Tue Mar 16, 2021 11:35 am
Forum: Investing - Theory, News & General
Topic: My leverage strategy - Thoughts?
Replies: 6
Views: 531

Re: My leverage strategy - Thoughts?

Personally, if I were your age and in a position to sock away 15K a year with no other savings goals, I wouldn't fool with any leverage strategy at all. Why bother? What's the big upside that justifies the risk--even if it's a risk you're okay with taking on? The main thing that's going to do the tr...
by JupiterJones
Mon Mar 15, 2021 12:07 pm
Forum: Personal Consumer Issues
Topic: Club Publix: Worth It?
Replies: 17
Views: 2413

Re: Club Publix: Worth It?

Vanguard Fan 1367 wrote: Fri Mar 12, 2021 6:35 pm I just logged onto my Publix app. 164 digital coupons are there right now. If you like coupons then joining their club is probably worth it.
Are they name-brand coupons or are they for the (excellent) Publix store brand? Or both?
by JupiterJones
Mon Mar 15, 2021 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: What expenses should be part of an emergency fund?
Replies: 37
Views: 2903

Re: What expenses should be part of an emergency fund?

The way I view our emergency fund is that it is there to cover unplanned expenses or circumstances. Agreed. That's the very definition of an "emergency" fund. It's for unplanned/unexpected financial needs. Things like car replacement, new roof, etc., are known future expenses. No professi...
by JupiterJones
Fri Mar 12, 2021 12:25 pm
Forum: Personal Consumer Issues
Topic: Club Publix: Worth It?
Replies: 17
Views: 2413

Club Publix: Worth It?

Anyone here a member of Club Publix? As far as I can tell, the main advantage is that you get some coupons now and then. Are they any good? The rest of the perqs seems pretty ho-hum. (Sure, it's "free" to sign up. But as the saying goes, if you're not paying for the product, you are the pr...
by JupiterJones
Thu Mar 04, 2021 11:39 am
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12792

Re: How much do you spend nightly for hotels (leisure/vacation)?

Workaholic wrote: Thu Mar 04, 2021 10:51 am
Barefootgirl wrote: Thu Mar 04, 2021 10:22 am I tend toward Category 3 properties.
What is a "category 3" property? I don't know if I've ever heard of this.
Properties with sustained winds between 111 and 129 miles-per-hour?
by JupiterJones
Mon Mar 01, 2021 5:34 pm
Forum: Personal Consumer Issues
Topic: It's Time To Replace my WIFI Router. Help????
Replies: 18
Views: 1931

Re: It's Time To Replace my WIFI Router. Help????

Not sure if you'd be interested in replacing your router with the same brand, but... I picked up a NetGear NightHawk a couple years ago for about $175 and it's been working like a champ ever since.
by JupiterJones
Fri Feb 26, 2021 3:18 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12792

Re: How much do you spend nightly for hotels (leisure/vacation)?

I agree the it depends on the situation. If it's just a stopover and the purpose of the hotel is merely a spot to sleep, we'll often go with something modest and inexpensive. Days Inn, Motel 6, etc. But we're fans of classic/historic old hotels ( like these ), and sort of consider staying in one to ...
by JupiterJones
Tue Feb 23, 2021 12:06 pm
Forum: Personal Consumer Issues
Topic: Any Traditionalists on here? (in terms of their home interior)
Replies: 32
Views: 3355

Re: Any Traditionalists on here? (in terms of their home interior)

Is there anyone here who like heavy ornate wood furniture? Traditional tiles? Classic cars? Cornices around the ceiling of rooms? Silver cutlery? Vintage watches? I hear about the Minimalists but if I settle down somewhere permanently, I’d like to lay roots I'm more of a midcentury guy than Victori...
by JupiterJones
Wed Feb 17, 2021 12:39 pm
Forum: Investing - Theory, News & General
Topic: Why the disdain for managed funds like ARKK that destroy total market funds?
Replies: 827
Views: 68897

Re: Why the disdain for managed funds like ARKK that destroy total market funds?

Bogleheads are happy to have money in passive low ER funds. I followed that advice for a while but it ended up leaving a ton of money on the table. [...] By following traditional advice to get the cheapest total market fund, it has ended up costing people thousands of dollars more in opportunity co...
by JupiterJones
Fri Feb 12, 2021 11:59 am
Forum: Personal Consumer Issues
Topic: Top thing you worry about in your life now
Replies: 24
Views: 1666

Re: Top thing you worry about in your life now

I try to constrain my worries to my sphere of influence. I'm not always successful at this, I'll admit. :D I do have the occasional health problem, and will assuredly have more as I age. This is unfortunate, but what can I do? I can do my best to live a healthy lifestyle, follow best practices when ...
by JupiterJones
Fri Feb 05, 2021 6:08 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 226
Views: 28180

Re: The front page is ugly

Perhaps those unhappy with the front page should ask for their subscription to be refunded! Oh, wait...... ^^^ This Complaining about a completely free site reminds me of that bit in "A Charlie Brown Thanksgiving" where Peppermint Patty gripes about the Thanksgiving meal Charlie Brown was...
by JupiterJones
Wed Feb 03, 2021 6:01 pm
Forum: Investing - Theory, News & General
Topic: International stock Fund % of US Stock Fund?
Replies: 41
Views: 2522

Re: International stock Fund % of US Stock Fund?

I use percentage of equities and I don't care if there is some limited wandering back and forth between the two. Anything in the neighborhood of one third of equities is fine with me. I go with 1/3 of equities too. I think I got reasoned into from a Rick Ferri book? I do realize that this is a bit ...
by JupiterJones
Mon Feb 01, 2021 10:28 am
Forum: Personal Consumer Issues
Topic: System to handle projects?
Replies: 12
Views: 995

Re: System to handle projects?

I've used Trello in the kanban style you described for 6 years. It works very well especially if you are assigning tasks to others. If you can get your colleagues on Slack for communication, that will make it much easier to search and review messaging threads. I'm a big fan of kanban boards too and...
by JupiterJones
Mon Feb 01, 2021 9:58 am
Forum: Personal Consumer Issues
Topic: Trips from Scottsdale in April
Replies: 29
Views: 1942

Re: Trips from Scottsdale in April

Two-hour drive to Tucson and surrounding area:

https://titanmissilemuseum.org/ <- This is a very cool tour. 8-)

https://www.visittucson.org/business/da ... t-boneyard
by JupiterJones
Fri Jan 29, 2021 12:41 pm
Forum: Personal Consumer Issues
Topic: Vaccum recommendation?
Replies: 43
Views: 2719

Re: Vaccum recommendation?

We recently replaced our old vac. Went on Amazon and searched for "vacuum cleaner" and looked for one with decent reviews that didn't cost too much. Didn't really do much thinking about it beyond that. Wound up going with a Eureka PowerSpeed. Works great so far. Lots of plastic parts, so I...
by JupiterJones
Wed Jan 27, 2021 10:50 am
Forum: Investing - Theory, News & General
Topic: Best Books for Complete Beginners
Replies: 30
Views: 2584

Re: Best Books for Complete Beginners

Investing Made Simple by Mike Piper. Common sense, a very quick read. I bought about 6 of them and gave them to nephews and nieces who are starting out in their careers. Agree wholeheartedly. All of Mike Piper's short and to-the-point books are great "complete beginner" resources, but the...
by JupiterJones
Tue Jan 26, 2021 2:30 pm
Forum: Investing - Theory, News & General
Topic: Good Enough!
Replies: 15
Views: 2609

Re: Good Enough!

I got a fortune cookie once with a "fortune" I liked so much, it's been on the fridge ever since and has become a sort of a household mantra:

"It could be better, but it's good enough."

:sharebeer
by JupiterJones
Tue Jan 26, 2021 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle commuter benefit
Replies: 15
Views: 773

Re: Bicycle commuter benefit

Actually, the more I read this, the more confused I get. So maybe you can get reimbursed for previous-month expenses??? (i) QUALIFIED BICYCLE COMMUTING REIMBURSEMENT- The term "qualified bicycle commuting reimbursement" means, with respect to any calendar year, any employer reimbursement d...
by JupiterJones
Tue Jan 26, 2021 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Bicycle commuter benefit
Replies: 15
Views: 773

Re: Bicycle commuter benefit

Not sure and I haven't used it, but I thought it worked the other way around. You'd accumulate the $20/month in an account and then reimburse a large expense later. Probably right but I bought the bike before switching. Yeah, from what I've read , the expense has to occur in the reimbursement month...
by JupiterJones
Mon Jan 25, 2021 3:17 pm
Forum: Investing - Theory, News & General
Topic: mac program to track?
Replies: 7
Views: 730

Re: mac program to track?

Mac user here. I just use Google Sheets.

:sharebeer
by JupiterJones
Fri Jan 22, 2021 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4648

Re: Alternatives to Recommending Dave Ramsey?

Thanks for the replies so far, gang! Here's a summary of what I've seen so far. Ramit Sethi, "I Will Teach You to be Rich" (also has a blog) J. L. Collins "The Simple Path to Wealth" Thomas Stanley, "The Millionaire Next Door" "The Boglehead's Guide to Investing&qu...
by JupiterJones
Fri Jan 22, 2021 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4648

Re: Alternatives to Recommending Dave Ramsey?

bloom2708 wrote: Fri Jan 22, 2021 11:29 am Or maybe just don't give advice?
LOL. In the end, you might be on to the best answer there. :D
by JupiterJones
Fri Jan 22, 2021 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4648

Re: Alternatives to Recommending Dave Ramsey?

I work with, and purchase products and services from people and businesses I disagree with politically. I'd say if his financial literacy advice is worthwhile, then feel free to continue to use and recommend it. We can't let politics be the lens that we judge everyone's worth as a human being. I ag...
by JupiterJones
Fri Jan 22, 2021 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Alternatives to Recommending Dave Ramsey?
Replies: 63
Views: 4648

Alternatives to Recommending Dave Ramsey?

As anyone who has been around here long enough knows, Dave Ramsey's investing advice is pretty much dismissed as ridiculous and perhaps even harmful by most Bogleheads. But his pre-investing message of getting out of debt, establishing an emergency fund, etc., tends to have a lot more support here, ...
by JupiterJones
Thu Jan 21, 2021 10:44 am
Forum: Investing - Theory, News & General
Topic: [wiki] Callan periodic table of investment returns
Replies: 109
Views: 8439

Re: [wiki] Callan periodic table of investment returns

tooluser wrote: Wed Jan 20, 2021 11:59 pm So what would a most useful "periodic table" look like?
I feel like the point the table is trying to make might be clearer if it were a bump chart.
by JupiterJones
Thu Jan 21, 2021 10:33 am
Forum: Personal Consumer Issues
Topic: Group Golf - Recommended Destinations?
Replies: 21
Views: 1202

Re: Group Golf - Recommended Destinations?

Oregon Coast - Closer than Scotland. https://www.bandondunesgolf.com I was about to suggest the same thing. I know virtually nothing about golf, but I do know a lot about US travel. The Oregon coast is stunning, Bandon especially. I remember when I was there that everybody was making a big deal abo...
by JupiterJones
Wed Jan 20, 2021 11:50 am
Forum: Investing - Theory, News & General
Topic: [wiki] Callan periodic table of investment returns
Replies: 109
Views: 8439

Re: Callan Chart for 2001-2020 is now out

And ace moderator LadyGeek has already updated the wiki a few days ago:

viewtopic.php?t=336650&p=5746282

:sharebeer
by JupiterJones
Wed Jan 20, 2021 10:39 am
Forum: Personal Consumer Issues
Topic: Amazon Firestick vs. Roku
Replies: 72
Views: 4370

Re: Amazon Firestick vs. Roku

For general use there's probably not much difference, but there may be a specific application that makes the decision for you. For example, while the Great Courses Plus app is available for Firestick in the app store, the regular (non-subscription) Great Courses app is, strangely, not. But apparentl...
by JupiterJones
Tue Jan 19, 2021 5:12 pm
Forum: Personal Consumer Issues
Topic: Let's play chess
Replies: 151
Views: 11991

Re: Let's play chess

I'm actually in the market to buy a chess board. Sort of like the idea of being able to fold it up to carry it to a friend's house. Any recommendations? Most portable chess boards these days are roll up with either a silicone or vinyl surface. Yes, it seems that the most-common "portable"...
by JupiterJones
Tue Jan 19, 2021 4:39 pm
Forum: Personal Consumer Issues
Topic: How is living in Auburn, AL
Replies: 47
Views: 4843

Re: How is living in Auburn, AL

OldBallCoach wrote: Tue Jan 19, 2021 12:39 pm I have spent some time in Auburn when they were courting me for a job...Football is not really a religon in Alabama..its WAY MORE than that...LOL...
This commercial is really more of a documentary than a spoof... :D

https://www.youtube.com/watch?v=oQYQT35djtc
by JupiterJones
Tue Jan 19, 2021 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 10962

Re: Family support for an artist

DH is a lifelong professional musician. Now 68, hes had to revise his work life over the decades. Conservatory educated. Studio work, touring, weddings, community theatre, arranging, composing, online sales. This is exactly the same among most of the people I know who are "full time" musi...
by JupiterJones
Mon Jan 18, 2021 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Family support for an artist
Replies: 188
Views: 10962

Re: Family support for an artist

Our son is starting to produce reliable income from his art, just not enough. It’s a matter of how fast he can paint. His work is in demand. He is making important connections with various galleries and having shows. The COVID environment makes the challenge even tougher. He also teaches to get by....
by JupiterJones
Mon Jan 18, 2021 11:03 am
Forum: Personal Consumer Issues
Topic: Let's play chess
Replies: 151
Views: 11991

Re: Let's play chess

One of my gripes about the series (which I overall enjoyed, BTW) was its exaggeration of BH's accomplishments. The chess rating system if applied honestly is pretty accurate and repeatable -- there is no way that BH plays for a while in the basement with the janitor and then beats a player rated 21...
by JupiterJones
Mon Jan 18, 2021 10:50 am
Forum: Personal Investments
Topic: Car note ending, saving for next car
Replies: 29
Views: 2789

Re: Car note ending, saving for next car

I totally agree with avoiding financing depreciating objects. Making payments to yourself in advance of buying a car for cash will be a great feeling. I've mentioned the concept of "pre-paying" car payments to friends before. I often get the excuse that they can't afford to set aside the ...