Search found 369 matches

by WS1
Sun Apr 11, 2021 1:09 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1549
Views: 92645

Re: What are you listening to now

My Analog Journal - It’s DJs playing rare vinyl from a variety of genre

https://www.youtube.com/channel/UC8TZw ... SmwTZQpBTA
by WS1
Sun Apr 11, 2021 1:03 pm
Forum: Personal Consumer Issues
Topic: Planning to travel to New York.
Replies: 13
Views: 1067

Re: Planning to travel to New York.

There should be no restrictions. As of right now, I believe restaurants are open 50% and have an 11 pm curfew. I'm assuming by June things will change but you shouldn't have any issues traveling to NYC. My concern that we may not be able to see some site’s as tourists. Prices of good Hotels in the ...
by WS1
Sun Apr 11, 2021 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 4927

Re: How much should I overpay?

It's a 4 bedroom house with 3 kids, and 2 of them are sharing a room ... It's not especially uncomfortable now but I think it will start to get that way. You might try some historical perspective. Families in the 1930s with 3 kids in a 1200 sqft house. Somehow, my mother survived/thrived and went o...
by WS1
Sun Apr 11, 2021 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: How much should I overpay?
Replies: 51
Views: 4927

Re: How much should I overpay?

Did you overpay for large company stocks during your last auto contribution to your 401k?
by WS1
Sat Apr 10, 2021 3:37 pm
Forum: Personal Investments
Topic: Dependent Care FSA - American Rescue Plan - CONFUSED!!!
Replies: 3
Views: 252

Re: Dependent Care FSA - American Rescue Plan - CONFUSED!!!

I elected to contribute $5,000 for 2021 Dependent Care FSA and just received an email from my employer that high earners are capped at $1,400 after an annual compliance test. Effective this week, I can no longer contribute and will be capped at the $1,400 which has already been deducted. My wife's ...
by WS1
Sun Apr 04, 2021 8:00 am
Forum: Personal Investments
Topic: International Small Cap Value?
Replies: 28
Views: 1975

Re: International Small Cap Value?

I'm hopping ISVL is able to gain assets quickly. It is looking like it could potentially be a good alternative (especially for tax loss harvesting) for AVDV. I did some digging on their "sentiment screens" and looks like the screen if for low profitability and negative momentum. They do u...
by WS1
Wed Mar 31, 2021 10:29 pm
Forum: Personal Investments
Topic: Good Pension and asset allocation
Replies: 31
Views: 2879

Re: Good Pension and asset allocation

You’re rich. spend your money on blow and skydiving.
by WS1
Mon Mar 29, 2021 9:45 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6215

Re: Why are Subarus so popular?

Subarus are overrated in my opinion. Their overall performance, reliability, safety features and aesthitics are not particulary noteworthy compared to other brands. That nifty all wheel drive thing they have going on is a dime a dozen now. Subaru owners remind me a lot of Volvo drivers from the 80'...
by WS1
Mon Mar 29, 2021 7:20 am
Forum: Personal Consumer Issues
Topic: Why are Subarus so popular?
Replies: 114
Views: 6215

Re: Why are Subarus so popular?

Just like all things At one point they did a specific job really well or were the only product serving that niche -15 years ago how many vehicles were ready made for rough road trail access and snow -5 years ago, how many vehicles had adaptive cruise control that functioned in stop and go traffic (m...
by WS1
Mon Mar 22, 2021 6:14 pm
Forum: Investing - Theory, News & General
Topic: A different perspective on inflation
Replies: 25
Views: 2392

Re: A different perspective on inflation

This thread might be enlightening https://twitter.com/DavidBeckworth/stat ... 7953534978

In short, the peak 70s inflation everyone talks about started with wage growth in the mid 60s.

I guess this is a different perspective
by WS1
Sat Mar 20, 2021 12:16 pm
Forum: Investing - Theory, News & General
Topic: Are we in a housing bubble?
Replies: 298
Views: 36750

Re: Are we in a housing bubble?

BUILD MOR HOUSING
by WS1
Tue Mar 16, 2021 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Which credit unions offer deposit accounts paying more than 3% interest?
Replies: 74
Views: 6974

Re: Which credit unions offer deposit accounts paying more than 3% interest?

Signed up at Dover FCU back in 2019 when they were offering 3% on $20,000. They dropped it to 1% by the time I made it through the 3 week account opening process.

someone talk me in to getting back on the horse.
by WS1
Thu Mar 11, 2021 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house now has turned into an auction. How to approach it?
Replies: 61
Views: 7059

Re: Buying a house now has turned into an auction. How to approach it?

If you need a house, buy a house. It’s worth whatever you’re willing to pay. There’s no certainty sellers will come off the sidelines and cool the frenzy, and keep in mind prices don’t have to come down to 2019 levels. The 2021 price could very well still be the price in 2023 Been in market since Au...
by WS1
Wed Mar 10, 2021 9:16 am
Forum: Personal Consumer Issues
Topic: Solar Questions Problems to overcome
Replies: 37
Views: 2952

Re: Solar Questions Problems to overcome

I guess this a tangent but would your battery concerns/home comfort improve by fixing the excessive heat in the garage? I'm thinking stuff like good insulation and an exhaust fan

edit - and a hot garage is an awesome place for a heat pump hot water heater.
by WS1
Fri Mar 05, 2021 10:13 am
Forum: Personal Consumer Issues
Topic: How to make strong coffee equivalent to Starbucks for cheaper?
Replies: 125
Views: 9610

Re: How to make strong coffee equivalent to Starbucks for cheaper?

2tbsp coffee per 8oz of water 2tbsp of Folgers is only around 70mg per 8oz. Ok, but proper coffee brewing is (depending on taste) 1:16-1:18 by WEIGHT. If you aren't using a scale to measure by grams the same folks recommend starting with 2 tbsp : 8fl oz. That's for taste. If you need more caffeine ...
by WS1
Mon Mar 01, 2021 10:39 am
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 142
Views: 18734

Re: 2021 I Bonds: what's your plan?

Mel Lindauer wrote: Sun Feb 28, 2021 11:30 pm Years ago, I talked to TD folks after the fixed rate went up unexpectedly, and he responded that they did it because they wanted to sell more I Bonds. Simple as that.
Maybe if we boycott for a year they will bring back no fee credit card purchases
by WS1
Sun Feb 28, 2021 11:19 am
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 142
Views: 18734

Re: 2021 I Bonds: what's your plan?

Is the fixed rate based on anything or is it just a policy choice? I vaguely remember a thread some years back where one or more folks (grok? #Cruncher?) surmised a "formula" of sorts, but nothing that I think was bullet-proofed, back-tested, agreed-upon... I generally watch the 5 and 10-...
by WS1
Sun Feb 28, 2021 10:44 am
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 142
Views: 18734

Re: 2021 I Bonds: what's your plan?

Is the fixed rate based on anything or is it just a policy choice? There is a long explanation of how the fixed and inflation rates are determined: https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#rate I also highly recommend the excellent blog written by @...
by WS1
Sat Feb 27, 2021 3:23 pm
Forum: Investing - Theory, News & General
Topic: 2021 I Bonds: what's your plan?
Replies: 142
Views: 18734

Re: 2021 I Bonds: what's your plan?

Is the fixed rate based on anything or is it just a policy choice?
by WS1
Sat Feb 27, 2021 1:59 pm
Forum: Personal Consumer Issues
Topic: Car suggestion for 70+ year-old mom
Replies: 160
Views: 8963

Re: Car suggestion for 70+ year-old mom

A vote for Toyota RAV4. My wife got one about 18 months ago and loves it. It sits up much higher than a sedan, but a lot lower than a larger SUV. And it’s a Toyota! Excellent reliability. It sounds like the OP's mom is against foreign vehicles so a Toyota is probably not the most relevant suggestio...
by WS1
Sat Feb 27, 2021 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for car loans
Replies: 6
Views: 435

Re: Shopping for car loans

Are you buying from a dealership? Don’t assume their rates are terrible for used cars.
by WS1
Wed Feb 17, 2021 8:20 am
Forum: Personal Investments
Topic: Roth vs. Traditional with 2x Fed Pensions
Replies: 37
Views: 2363

Re: Roth vs. Traditional with 2x Fed Pensions

Your case definitely leans more to Roth, but your expected pension will be twice what the OP is expecting, if not more. You don't note your age. I would just point out--to anyone reading this thread if not necessarily to you and the OP--that speculation about future pension payouts at age 50 or 60 ...
by WS1
Mon Feb 15, 2021 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Another house question - Long Island area
Replies: 6
Views: 461

Re: Another house question - Long Island area

I live in the metro and spend a lot of time on the North Shore 1. Where have you lived in the metro other than your current home in Queens and what did you like about it? 2. Where are the people you want to spend time with and how frequently do you want to see them and when? I lived 50 minutes from ...
by WS1
Sun Feb 14, 2021 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house in NJ...Huge mistake?
Replies: 55
Views: 7664

Re: Buying a house in NJ...Huge mistake?

You’re nervous because you just made a big decision. $10k over asking is like $40/month; I doubt that’s what’s bugging you.

Also, Drew’s Bayshore Bistro in Keyport.
by WS1
Sun Feb 14, 2021 9:55 am
Forum: Personal Consumer Issues
Topic: Best healthy meal delivery service
Replies: 29
Views: 3046

Re: Best healthy meal delivery service

Name has always cracked me up. No idea if it’s any good.
https://eatcleanbro.com
by WS1
Sat Feb 06, 2021 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise: Local Gov't
Replies: 19
Views: 1197

Re: Asking for a raise: Local Gov't

The good thing about my position is it's the only one in the city. That downside is it's the only one in the city. Which means I could try for a promotion but it would be in no way related to my expertise as well as passion. That said, my position seems to have grown to include other responsibiliti...
by WS1
Tue Feb 02, 2021 8:28 am
Forum: Personal Investments
Topic: Having such a hard time with investing now
Replies: 70
Views: 5504

Re: Having such a hard time with investing now

How many months of expenses do you have in cash and/or bonds?

If you tell me 18; I’ll say what bad thing are you worried about happening and what would it do to you.
by WS1
Mon Feb 01, 2021 7:49 pm
Forum: Investing - Theory, News & General
Topic: Physical Silver Short Squeeze may be on
Replies: 231
Views: 15339

Re: Physical Silver Short Squeeze may be on

...For gold to be useful to flee the country, there has to be somewhere worth fleeting *to*. If there's nowhere worth fleeing to, you'd need to be a doomsday prepper to really be prepared. I'd rather have currency accepted in the place I am fleeting to than gold. But to each their own. Having a bit...
by WS1
Mon Feb 01, 2021 12:00 pm
Forum: Personal Consumer Issues
Topic: Help with central A/C install
Replies: 21
Views: 1696

Re: Help with central A/C install

If you oversize you won't get the dehumidification you want.
Central air will make whole house air filtration easier

https://electrifyeverything.net
by WS1
Sun Jan 31, 2021 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Car Spending Advice
Replies: 104
Views: 6907

Re: Car Spending Advice

DW and I are 39 and 37. We are both professionals with W-2s. HH income has ranged 500-550k/yr and this year we may break 600k (unlikely to be repeated for a while). Our NW just hit 4mm. We live in an 800k home in a MCOL area. We have lived pretty modestly the past several years and kept debt low. W...
by WS1
Tue Jan 26, 2021 8:53 pm
Forum: Personal Consumer Issues
Topic: Help! Lot size is wrong. What should I do?
Replies: 44
Views: 3829

Re: Help! Lot size is wrong. What should I do?

Attorney, survey, plat map(tax map), current deed. The stated acreage in a government database could contain 4 generations of typos. Does the county or city have a way to view their property records on some type of web GIS portal where you’ll be able to see the official property lines on an aerial p...
by WS1
Sun Jan 24, 2021 12:16 pm
Forum: Personal Consumer Issues
Topic: Getting Rid of TV
Replies: 28
Views: 2803

Re: Getting Rid of TV

I’m a fan of the adult coloring books that were super trendy 5 or 6 years ago. I use them when I’m too tired to read but want to avoid the TV.
by WS1
Fri Jan 22, 2021 10:07 pm
Forum: Personal Consumer Issues
Topic: Best State and National Parks in the Southeast
Replies: 54
Views: 3929

Re: Best State and National Parks in the Southeast

Arkansas/Missouri border is interesting.

Buffalo River, Current River, Eleven Point River, Ouachita National Forest, Ozark National Forest.
by WS1
Thu Jan 21, 2021 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Getting 7/1 ARM for my first home
Replies: 4
Views: 582

Re: Getting 7/1 ARM for my first home

Shop around and search around on this site. I'm sure you aren't the first person on this website without w2 income. I have relationships with 3 different credit unions (ugh, don't ask) their ARMS are all different with respect to maximum interest rate and the maximum annual adjustment and only one o...
by WS1
Thu Jan 14, 2021 1:01 pm
Forum: Investing - Theory, News & General
Topic: Inflation, banking and real estate
Replies: 12
Views: 747

Re: Inflation, banking and real estate

Are you also thinking about something historically moderate...like double our current inflation?

Lots of possible futures between current inflation and peak 70s inflation. Nobody ever wants to talk about a boring, but still consequential 5%
by WS1
Wed Jan 06, 2021 3:20 pm
Forum: Personal Investments
Topic: REITS---Time to get out?
Replies: 40
Views: 4847

Re: REITS---Time to get out?

Fun fact 9% of the S&P 400 is real estate and 8% of the S&p 600 is real estate. I'm sympathetic to the idea that REIT's were a tax structure masquerading as an asset class. Now that they are market weigh in the main stream indexes shouldn't we just treat them as regular businesses that happe...
by WS1
Tue Jan 05, 2021 9:08 am
Forum: Personal Consumer Issues
Topic: ISP monopoly
Replies: 20
Views: 924

Re: ISP monopoly

Your city could have laws or agreements barring other players. I have a friend that is stuck with the cable company because Fios is prohibited from installing infrastructure.

Also

one plus to living in NYC
https://www.nycmesh.net
by WS1
Sun Jan 03, 2021 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Buying expensive home vs cheap home and renovation
Replies: 50
Views: 3604

Re: Buying expensive home vs cheap home and renovation

All real estate is local, but it seems you need to define your must haves in a home first: a good school district, so much square footage, or a modern floor plan with high end finishings? You can gut and renovate a home down to the studs without adding square feet or changing the location. Old home...
by WS1
Fri Jan 01, 2021 3:38 pm
Forum: Personal Consumer Issues
Topic: Good unflavored toothpaste
Replies: 17
Views: 700

Re: Good unflavored toothpaste

Closys.

A dentist relative hooked the whole family on it ages ago. Sold on their site,cvs, and walgreens
by WS1
Fri Jan 01, 2021 12:35 pm
Forum: Personal Consumer Issues
Topic: Best < $100 purchase?
Replies: 136
Views: 16584

Re: Best < $100 purchase?

Chemex carafe. I bought one this year and to be honest, I haven’t been overly impressed. It is aesthetically pleasing but not as functional as I thought. My biggest issue is the coffee becomes cold fairly quickly with making 5-6 cups of coffee. I’m back to my drip coffee machine using quality beans...
by WS1
Wed Dec 30, 2020 10:50 am
Forum: Investing - Theory, News & General
Topic: What is real inflation?
Replies: 74
Views: 4804

Re: What is real inflation?

If your investments make 9% and inflation is 3% that would make real return 6% but if your cost of housing is up 10% that makes a much bigger difference than the price of some other commodity. Sure. If you bought a house this year, you were negatively impacted by the rise in home prices. Unless you...
by WS1
Wed Dec 30, 2020 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with flood risk?
Replies: 54
Views: 3283

Re: Buying a house with flood risk?

It is not hard nowadays to use a GPS watch to walk/run a neighborhood including along the dry drainages and swales in order to map the elevations of the area. The Garmin software that came with my watch shows elevations in the map of where I went. The walk can also tell you if the neighbors have be...
by WS1
Tue Dec 29, 2020 8:23 pm
Forum: Personal Consumer Issues
Topic: Should We Convert our Garage to an Accessory Dwelling Unit?
Replies: 25
Views: 1485

Re: Should We Convert our Garage to an Accessory Dwelling Unit?

... As a California neighbor, I hope you don’t do this, OP. What would your neighborhood feel/look like if all your neighbors did this too? (Some of your immediate neighbors would/will basically build apartment buildings on their property. I know of a 4-bedroom house near a university that just got...
by WS1
Sun Dec 27, 2020 9:27 pm
Forum: Non-US Investing
Topic: Why is Gold so volatile even though it is claimed as store of value?
Replies: 61
Views: 4786

Re: Why is Gold so volatile even though it is claimed as store of value?

The Gold bugs might want to read this:https://www.sciencedirect.com/science/article/abs/pii/S0378426609003343 How reliable is this metal as a safe haven and hedge if the authors found that it did not work as safe haven for Australia,Canada,Japan and BRIC countries but only for Europe and US? I even...
by WS1
Sun Dec 27, 2020 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with flood risk?
Replies: 54
Views: 3283

Re: Buying a house with flood risk?

The “property being in a flood zone” is not the same thing as your living space being below flood elevation. You can also do things to improve the resiliency of your home such wet flood proofing and dry flood proofing.
by WS1
Sun Dec 27, 2020 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Best Way to Collect Rent Electronically?
Replies: 89
Views: 4428

Re: Best Way to Collect Rent Electronically?

If OP is using separate bank accounts for each property, one major zelle roadblock is that you can only link an email address/phone number to 1 account.