Search found 850 matches

by tooluser
Wed Apr 14, 2021 8:32 pm
Forum: Personal Consumer Issues
Topic: DIY Pest Control
Replies: 6
Views: 577

Re: DIY Pest Control

Los Angeles, CA. I get crickets inside in two specific areas of the house through some openings I have never been able to find. I put down granules or spray around the house perimeter. It needs to be renewed every few months and after any rainfall because they keep coming. This also helps with black...
by tooluser
Wed Apr 14, 2021 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: If you hit your # would you retire in this market?
Replies: 88
Views: 9814

Re: If you hit your # would you retire in this market?

Covid was a retirement invitation, basically, for those who were well prepared before it hit and didn’t flinch. I’m surprised so many people are rejecting it. Based on some conversations I have had, many people are not nearly as unhappy if they can work from home, so they will put off retirement as...
by tooluser
Wed Apr 14, 2021 7:50 pm
Forum: Personal Consumer Issues
Topic: Food label question
Replies: 5
Views: 409

Re: Food label question

See here: https://www.fda.gov/media/111144/download Food Labeling: Serving Sizes of Foods That Can Reasonably Be Consumed At One Eating Occasion; Dual-Column Labeling; Updating, Modifying, and Establishing Certain Reference Amounts Customarily Consumed; Serving Size for Breath Mints; and Technical A...
by tooluser
Wed Apr 14, 2021 7:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Thank you! It was not meant to be movie-centric, but that is certainly a memorable scene when combined with the music. It represents the spark of understanding I received when I first decided to go Bogleheadish in my investments.
by tooluser
Wed Apr 14, 2021 6:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Ma (2019) Slowly building thriller that turns to horror. A woman repeatedly invites local teens into her home to party safely. What could possibly go wrong? Watchable, but I cannot recommend it due to gratuitous gore/violence/adult situations when it turns to horror. What is particularly notable ab...
by tooluser
Wed Apr 14, 2021 5:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Ma (2019) Slowly building thriller that turns to horror. A woman repeatedly invites local teens into her home to party safely. What could possibly go wrong? Watchable, but I cannot recommend it due to gratuitous gore/violence/adult situations when it turns to horror. What is particularly notable abo...
by tooluser
Mon Apr 12, 2021 10:03 pm
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 45
Views: 4534

Re: Emergency (oh my God fund)

So for someone in mid 40's who has the majority of assets in Tax deferred or in the house. Perhaps 1 year in CD and 3 months in checking is sufficient. I think that is not unreasonable. I have never been laid off or had a truly OMG unexpected expense. Ideally you want to be able to replace a failed...
by tooluser
Mon Apr 12, 2021 9:31 pm
Forum: Personal Investments
Topic: Emergency (oh my God fund)
Replies: 45
Views: 4534

Re: Emergency (oh my God fund)

I have an emergency fund, but not so big that I would substitute it for invoking the action of a deity.
by tooluser
Mon Apr 12, 2021 6:45 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8386

Re: AAA - American Auto Assn - Service has gone way down

That being said, I'm not sure whether a jump start work would, either. The first time I used AAA due to a dead battery* they jump-started my car. So it can be done. * - Dome light left on for 3 weeks in an airport parking lot. It was definitely dead. They offered to put in a new one. I did not real...
by tooluser
Mon Apr 12, 2021 6:29 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36273

Re: So what are you cooking

Corned beef hash. I cooked the corned beef Saturday, baked a potatoe today (Monday), and am adding green pepper and onion. All diced. Frying it up in a little sunflower oil with salt and pepper. Should go pretty quick. Extra helping to be reheated tomorrow for brunch.

And yes I am leaving that typo.
by tooluser
Sun Apr 11, 2021 7:18 pm
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3388

Re: Would you preemptively replace your Roof

Any recommendations on how to deal with the attic mess of a roof tear-off? Lots of nails and little chunks of shingle and wood? What if you have blown-in insulation and a furnace/AC unit or whole-house fan up there? Best venting strategy? This can go quite deep, all at a cost. Is there a really goo...
by tooluser
Sun Apr 11, 2021 6:57 pm
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3388

Re: Would you preemptively replace your Roof

Any recommendations on how to deal with the attic mess of a roof tear-off? Lots of nails and little chunks of shingle and wood? What if you have blown-in insulation and a furnace/AC unit or whole-house fan up there? Best venting strategy? This can go quite deep, all at a cost. Is there a really good...
by tooluser
Sun Apr 11, 2021 11:29 am
Forum: Personal Consumer Issues
Topic: Would (did) you preemptively replace your Roof Shingles
Replies: 51
Views: 3388

Re: Would you preemptively replace your Roof

I thought replacing it before it actually fails is standard practice. But exactly when depends on the current state of the roof. There can be visual indications that things may soon fail, or it might just look old.
by tooluser
Sat Apr 10, 2021 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone contemplating OLY (One Less Year)?
Replies: 52
Views: 4749

Re: Anyone contemplating OLY (One Less Year)?

I think the plan should be to have always had a buffer in the plan. But I will say that my buffer has gotten bigger as I refined my plan. Some of that was due to not being 55 yet, the minimum age to claim my pension while "in service", so what else could I do? (I am 55 now.) But I found ot...
by tooluser
Sat Apr 10, 2021 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone contemplating OLY (One Less Year)?
Replies: 52
Views: 4749

Re: Anyone contemplating OLY (One Less Year)?

watchnerd wrote: Sat Apr 10, 2021 4:03 pm I thought this was about Olympia beer.
:beer Used to see those big plastic balls on the side of the freeway all the time, usually with a little bit of the cardboard box still in place.
by tooluser
Tue Apr 06, 2021 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: What is the expected percentage (raise) for a manager position?
Replies: 24
Views: 2270

Re: What is the expected percentage (raise) for a manager position?

It can also be timing-specific to the individual company. Long ago - all in the same year - I received a 5% annual performance raise, then a 5% raise for moving into management, and shortly later a 15% raise because the board determined that higher-ranked managers deserved more to be competitive wit...
by tooluser
Sun Apr 04, 2021 6:51 pm
Forum: Personal Consumer Issues
Topic: Placard on recently purchased home (update: “fire mark”)
Replies: 5
Views: 846

Re: Placard on new home

Search term "fire mark".
by tooluser
Sat Apr 03, 2021 9:36 pm
Forum: Personal Consumer Issues
Topic: Best nonstick pans?
Replies: 65
Views: 5167

Re: Best nonstick pans?

When it comes to nonstick pans, I find that cheap but not too cheap is best. I have used my Amazon Basics nonstick 8" and 10" frying pans for several years now and they are still going strong. Less than $10 per pan. I have to tighten the handles now and then, which means the screw in the h...
by tooluser
Sat Apr 03, 2021 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement calculators : missing features
Replies: 17
Views: 2110

Re: Retirement calculators : missing features

I don't use any calculator that treats taxes as somehow ignorable and separate from the money I will need to withdraw from my accounts. But most of them don't tell you that, you have to dig into the details to understand that. That's the biggest error I have seen. Those calculators are useless and m...
by tooluser
Sat Apr 03, 2021 2:19 pm
Forum: Personal Consumer Issues
Topic: Fully Vaccinated and Wondering What Behaviors to Change
Replies: 17
Views: 1551

Re: Fully Vaccinated and Wondering What Behaviors to Change

Risk is a product of likelihood and consequence. Post-vaccination, both the risk of catching COVID and the consequences for being infected with it are greatly reduced, thus diminishing the product of the two even more. However, your personal risk tolerance will still need to guide your own actions.
by tooluser
Thu Apr 01, 2021 7:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Spaceballs

Awesome as always! I originally saw it in the theater on its initial release.
But then I noticed that was 34 years ago. Ouch, made me feel old. But not as old as Yogurt.
by tooluser
Sat Mar 27, 2021 8:24 pm
Forum: Personal Consumer Issues
Topic: AAA - American Auto Assn - Service has gone way down
Replies: 98
Views: 8386

Re: AAA - American Auto Assn - Service has gone way down

Both AARP and AAA do political lobbying. Almost every organization does anymore. I would say AAA is more "pro driver" than "pro car". I like the maps. As someone who grew up navigating with them, every time I open one up to start planning a trip, a huge wave of nostalgia hits me,...
by tooluser
Fri Mar 26, 2021 6:48 pm
Forum: Personal Investments
Topic: Employer transitioning to Collective Investment Trusts/CITs
Replies: 18
Views: 748

Re: Employer transitioning to Collective Investment Trusts/CITs

I have 10% of my small 401k in this CIT: State Street U.S. Extended Market Index Non-Lending Series Fund Class C Along with S&P500, International Stock, and Total Bond funds, it allows me to hold a Bogleheads 3-fund portfolio by using 4 funds. Cheapest ER I could figure out within my plan. The S...
by tooluser
Wed Mar 24, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: Breakfast cereal?
Replies: 172
Views: 18378

Re: Breakfast cereal?

Grapenuts is coming back!!! Production is resuming (imagine me doing a happy dance of joy)! https://www.usatoday.com/story/money/shopping/2021/02/11/grape-nuts-shortage-2021-ending-free-cereal-contest-coupons/6720608002/ Hooray! :P I only eat about one box every three years, but it is good tasting,...
by tooluser
Tue Mar 23, 2021 10:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Ford v Ferrari

I like cars and racing but am not a fanatic, so I would probably have skipped this one. But it was recommended several times in this topic, so I took the time to watch it.

It is an excellent movie and I learned some things and it was well worth watching. Thank you.
by tooluser
Mon Mar 22, 2021 10:13 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36273

Re: So what are you cooking

Using things up:

Cured imported Italian salami (tasteless, awful, thank goodness it's gone now).
Roasted Brussells sprouts in olive oil, soy sauce, garlic powder, and black pepper (excellent).
Chile Limon Corn Nuts (pretty good).

Got my meat, veg, and starch, but I guess I only cooked the veg.
by tooluser
Sun Mar 21, 2021 5:17 pm
Forum: Personal Consumer Issues
Topic: What is the BEST thing you spent money on?
Replies: 242
Views: 23730

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

My house. Not sharing walls, floors, or ceilings with anyone is priceless. But I wish I was further away from my neighbors. I hope to get that in retirement. Runner up but not one thing is every vacation I have ever taken by myself, and there have been many. Blessed, blessed freedom from darn near e...
by tooluser
Sat Mar 20, 2021 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Squared Away: Does higher life expectancy make people retire later?
Replies: 45
Views: 3907

Re: Squared Away: Does higher life expectancy make people retire later?

In its default scenario, cFIREsim indicates that if one works 1 more year but dies 5 years later than the baseline, one has a greater chance of not depleting the portfolio. (Assumes 5% portfolio growth in the extra year.) Therefore, this data indicates that if one expects to live longer, one should ...
by tooluser
Sat Mar 20, 2021 7:19 pm
Forum: Personal Consumer Issues
Topic: Romaine Lettuce & bagged salads - concerns
Replies: 45
Views: 4370

Re: Romaine Lettuce & bagged salads - concerns

I was going to watch the video and comment on its contents, but the title stopped me: "Romaine recalls: Why our salads can make us sick (Marketplace)" Anytime a stranger refers to "our", "we", "us" without knowing your relationship to them, it is a sign of a s...
by tooluser
Fri Mar 19, 2021 7:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

Wiener Dog Internationals Don't let the title fool you - this movie is awful. Too much Wienerschnitzel hot dog chain product placement. At no time during the film are the dogs referred to as dachshunds. Not enough wiener dogs! Four good things about this film: 1) It stars Morgan Fairchild as the pri...
by tooluser
Thu Mar 18, 2021 10:04 pm
Forum: Personal Investments
Topic: Portfolio Rebalancing For Retirement in 10 Years
Replies: 5
Views: 910

Re: Portfolio Rebalancing For Retirement in 10 Years

The advice I originally heard and largely follow is to start gliding toward your final allocation about 7 years beforehand. I never heard any analysis behind this, just a reasonable way to minimize regrets if the stock market tanks in the few years leading up to retirement, or if it surges. Such a p...
by tooluser
Tue Mar 16, 2021 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a $1m condo in San Francisco in December 2020
Replies: 104
Views: 10089

Re: Talk me out of buying a $1m condo in San Francisco in December 2020

One simple reason: Money is freedom. In a condo or other group financial relationship, you allow others to determine how to spend your money. Why would you do that? The hope that others are as wise or wiser than yourself? Because they don't make SFH in condo buildings. Check out Del Webb, The Villa...
by tooluser
Tue Mar 16, 2021 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a $1m condo in San Francisco in December 2020
Replies: 104
Views: 10089

Re: Talk me out of buying a $1m condo in San Francisco in December 2020

One simple reason: Money is freedom. In a condo or other group financial relationship, you allow others to determine how to spend your money. Why would you do that? The hope that others are as wise or wiser than yourself?
by tooluser
Sat Mar 13, 2021 11:41 pm
Forum: Personal Investments
Topic: What! Is! Going! On!
Replies: 23
Views: 3427

Re: What! Is! Going! On!

I kindly ask posters not to make their topic titles deliberately hard to read. Thank you.
by tooluser
Sat Mar 13, 2021 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Marginal effective tax rates 100%+ this year for 150 - 160k AGI
Replies: 174
Views: 13162

Re: Marginal tax rates 100%+ this year for 150 - 160k AGI

How about this? We had an AGI of $163k for 2020 (it was higher in 2019 as I had a temporary paycut). This includes $13k of unemployment for my wife. We have three kids with that third kid being born in the first week of this year (due date was 2020). So... - we miss out on the third stimulus entire...
by tooluser
Sat Mar 13, 2021 10:51 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36913

Re: Are we in a housing bubble?

It's not a bubble, it's a barm. (Look it up.) :beer
https://en.wikipedia.org/wiki/Barm
by tooluser
Sat Mar 13, 2021 10:41 pm
Forum: Investing - Theory, News & General
Topic: Does it feel bubbly to you?
Replies: 214
Views: 15660

Re: Does it feel bubbly to you?

If only we knew what a bubble is. Like with a definition or something.

I've always wanted a hot tub with the Jacuzzi jets but I am afraid of a short circuit through the water while I am in it. That's probably not a rational fear.
by tooluser
Fri Mar 12, 2021 9:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

First I read the novel The Lathe of Heaven , by Ursula K LeGuin. Then I watched the PBS movie of the same title from 1980. Then I watched the A&E movie Lathe of Heaven from 2002. An excellent and thought-provoking story. The 1980 movie is largely true to the novel, and was also excellent. The 20...
by tooluser
Thu Mar 11, 2021 7:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

They Remain Creepy thriller about two people investigating "strange animal behavior" in a remote area once inhabited by a cult. The mystery is revealed slowly and held my attention. Someone else described it as a movie about a "wrong place", which is apt. The camera work is somet...
by tooluser
Sat Mar 06, 2021 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Coast to retirement jobs for 50-something
Replies: 41
Views: 5683

Re: Coast to retirement jobs for 50-something

Think about how you might recast yourself in a different role at work. I left management for what eventually worked out to be an independent contributor role of my own creation, an initial reputational decrease but then built up again over several years. I think you have to have a good track record ...
by tooluser
Sat Mar 06, 2021 5:34 pm
Forum: Personal Consumer Issues
Topic: What are your alternatives to big name brands, like Amazon?
Replies: 72
Views: 4977

Re: What are your alternatives to big name brands, like Amazon?

I find that it's hit or miss, and has been for 25+ years except for a few golden ages per retailer. Amazon was once great, but seems to have become obsessed with fake goods and then lately politics. Walmart was into politics, but then went mail order and cannot pack goods appropriately (damage most ...
by tooluser
Fri Mar 05, 2021 9:46 pm
Forum: Investing - Theory, News & General
Topic: "Investing Isn't Engineering"
Replies: 27
Views: 3525

Re: "Investing Isn't Engineering"

Didn't financial engineers used to be called quantitative analysts (quants for short)? I've known several engineers who went into finance. And others who went into dentistry. Financial dentists may be a thing in the future. Engineers do deal with the unknown. Just look at SpaceX and many other up an...
by tooluser
Fri Mar 05, 2021 8:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6558
Views: 1450680

Re: What Movie Have You Recently Watched?

The Conqueror Recorded from TCM. It portrays the rise of Genghis Khan. This movie has been regularly listed as one of the worst movies ever made. It stars John Wayne and several other big names. What's really remarkable about it, is that it would probably just be a forgotten high-end mediocre movie,...
by tooluser
Wed Mar 03, 2021 10:45 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12793

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

This thread is becoming more about the differences in how people travel than their hotel budgets. Summary of thread so far: "It depends." That said, I think there are many good insights into the different way people think about and execute vacation lodging. I am highly amused by the peopl...
by tooluser
Tue Mar 02, 2021 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: How much money relative to your salary makes it pointless to continue working?
Replies: 79
Views: 6322

Re: How much money relative to your salary makes it pointless to continue working?

Doesn't Fidelity already have a rule of thumb for the multiple of retirement savings to salary? Aim to save at least 1x your salary by 30, 3x by 40, 6x by 50, 8x by 60, and 10x by 67. https://www.fidelity.com/viewpoints/retirement/how-much-do-i-need-to-retire People who have not yet entered the wor...
by tooluser
Tue Mar 02, 2021 9:29 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 461
Views: 36273

Re: So what are you cooking

So excited. We moved to SC in July of 2019 and I haven't been able to find pork shanks anywhere, but they were at the grocery store today. I am in 100% agreement with this. When making beans I have tried versions of: Ham hocks - best overall for connective tissue that melts and thickens, but typica...
by tooluser
Tue Mar 02, 2021 9:07 pm
Forum: Personal Consumer Issues
Topic: How much do you spend nightly for hotels (leisure/vacation)?
Replies: 213
Views: 12793

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

The hotel industry would like to differentiate themselves internally in a way that creates strata of experience that meaningfully differentiate the ability to generate profits. The general public would like to differentiate hotels in a way that creates strata of experience that meaningfully differen...
by tooluser
Sat Feb 27, 2021 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Our house payments went 90 percent to interest
Replies: 25
Views: 4381

Re: Our house payments went 90 percent to interest

Incompetent banks and lenders do make mistakes. On a long-ago mortgage I paid extra to principle most months, noting it on the payment coupon and check (this was in the 1990s), and yet the mortgage company just seemed to ignore/forget about all that and do what they liked to benefit themselves. One ...
by tooluser
Fri Feb 26, 2021 11:16 pm
Forum: Investing - Theory, News & General
Topic: Debt is a Negative Bond - The White Coat Investor
Replies: 542
Views: 27340

Re: Debt is a Negative Bond - The White Coat Investor

The basic concept is pretty easy to understand. Let's assume you have a $200K investment in a stock index fund and a $100K student loan. Your net worth is $100K. What is your asset allocation? Many people would say “100% stock”, but that is not technically true. In reality, you are 150% stock. So y...