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Re: Oil & Vinegar

I'm surprised by all the recommendations to make your own, which sounds complicated to me (I note that most of the recipes posted in this thread contain several ingredients I don't currently have on hand). I often don't feel that I have time in the evenings to pull vegetables out of my refrigerator...
by John3754
Tue Mar 03, 2015 7:38 am
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 36
Views: 1963

Re: Oil & Vinegar

Kens Steak House Balsamic Vinaigrette Ingredients Canola Oil, Water, Balsamic Vinegar, Distilled Vinegar, Sugar, Salt, Garlic, Contains Less than 2% of: Onion, Spice, Xanthan Gum, Potassium Sorbate and Calcium Disodium EDTA as Preservatives, Paprika (Color). Here's the Kens Steak House that some pos...
by John3754
Mon Mar 02, 2015 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 36
Views: 1963

Re: Oil & Vinegar

+1 Newman's Own Just for fun I looked up the ingredients: Ingredients: Vegetable Oil (Canola Oil and/or Soybean Oil, Extra Virgin Olive Oil), Water, Balsamic Vinegar, Distilled Vinegar, Sugar, Salt, Garlic, Spice, Onion, Red Bell Pepper, Xanthan Gum, Paprika (For Color) Serv. Size 2 Tbsp: Sodium 29...
by John3754
Mon Mar 02, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 36
Views: 1963

Re: Oil & Vinegar

It will keep for 4-5 days, so don't make a huge batch, just what you think you will use in that time. What do you find happens after 4-5 days? For decades I've been making mine in larger batches and storing it on the counter at room temp for weeks and have never had an issue. There's nothing in it ...
by John3754
Mon Mar 02, 2015 12:34 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 36
Views: 1963

Re: Oil & Vinegar

Bottled dressing are full of sugar, soybean oil, water, and other junk that I'm not interested in. It's very easy to make your own vinaigrette so that's what I do, I usually make a pint at a time and it lasts me a few weeks. I use balsamic vinegar, extra virgin olive oil, Dijon mustard (a natural em...
by John3754
Mon Mar 02, 2015 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 36
Views: 1963

Re: rebalancing & purchasing when fear is present

I don't rebalance based on what the market is doing, I rebalance quarterly based on my target asset allocation.
by John3754
Sun Mar 01, 2015 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: rebalancing & purchasing when fear is present
Replies: 8
Views: 407

Re: High Yield Corporate Bonds Have Less Interest Rate Risk?

Interest rate risk is dependent on the duration, not whether they are high yield or not.
by John3754
Sun Mar 01, 2015 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: High Yield Corporate Bonds Have Less Interest Rate Risk?
Replies: 10
Views: 490

Re: How do I learn to like sushi?

From further down below: Do you like beer? If so, did you like it the first time you tried it? No. Didn't like it then. 55 years later still don't like it. Commented the other night that my wife's glass of beer contained more than I had consumed in my entire life. Wine, however, is a different matt...
by John3754
Sat Feb 28, 2015 9:54 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 70
Views: 3661

Re: How to Invest in Gold

DetroitRed wrote:I think it's also important to note that if you hold gold in a taxable account it doesn't qualify for the lowest capital gain rate. It's treated as a collectible and gains are taxed at 28%.


Gold is not taxed at a flat 28%, it's taxed at a MAX of 28%.
by John3754
Sat Feb 28, 2015 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: How to Invest in Gold
Replies: 67
Views: 3573

Re: Bond Funds vs Individual Bonds

victorb wrote:This way the rise in interest rates didn't hurt them, if they held the bond to maturity.


This premise is false. If you buy a 5 year bond yielding 3% and a year later rates go up to 4% you are losing money by holding that bond to maturity.
by John3754
Sat Feb 28, 2015 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Funds vs Individual Bonds
Replies: 11
Views: 664

Re: How do I learn to like sushi?

I don't like it and I don't try to learn to like things that I just don't like. Life is full of good stuff; why waste time trying to learn to like bad stuff? If I lived my life like this there would be a lot of things that now give me great pleasure that I'd be missing out on b/c I didn't take the ...
by John3754
Sat Feb 28, 2015 4:15 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 70
Views: 3661

Re: How do I learn to like sushi?

I don't like it and I don't try to learn to like things that I just don't like. Life is full of good stuff; why waste time trying to learn to like bad stuff? If I lived my life like this there would be a lot of things that now give me great pleasure that I'd be missing out on b/c I didn't take the ...
by John3754
Sat Feb 28, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 70
Views: 3661

Re: How do I learn to like sushi?

It is my understanding that shrimp is always cooked (if it's red it's cooked, raw shrimp is pale grey). Both statements here are incorrect. Its true that you're not going to find raw shrimp being served at the sushi counter in Wegmans, but its very common to find raw shrimp being served in high end...
by John3754
Sat Feb 28, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: How do I learn to like sushi?
Replies: 70
Views: 3661

Re: International is disappointing

You want to buy low and sell high. Not the other way around. x2 If international beats US returns by 60% over the next 5 years, will you go all in to international? No, would reduce international exposure at that point. I'm confused, in your OP you're saying that you want to reduce (or in fact elim...
by John3754
Fri Feb 27, 2015 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 72
Views: 4460

Re: Divesting Portfolio of REITs - A Good Time?

Nobody can answer your question because nobody knows what REITs are going to do next week, next month, or next year. I could give you good reason to believe thatnow is a good time to sell and then REITs could do great...so what's the point?
by John3754
Fri Feb 27, 2015 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Divesting Portfolio of REITs - A Good Time?
Replies: 3
Views: 446

Re: Vanguard Wellesley Income Fund a Buy?

I converted my Voluntary Contributions Program funds prior to my retirement into the Wellesley Admiral Fund (ROTH IRA) in March 2012, and have been extremely happy with it. I also hold the Wellington Fund, Admiral (taxable) Shares since Feb. 2014 and am happy as well. It's not a "Shoot for the...
by John3754
Sun Feb 22, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Vanguard Wellesley Income Fund a Buy?

I converted my Voluntary Contributions Program funds prior to my retirement into the Wellesley Admiral Fund (ROTH IRA) in March 2012, and have been extremely happy with it. I also hold the Wellington Fund, Admiral (taxable) Shares since Feb. 2014 and am happy as well. It's not a "Shoot for the...
by John3754
Sun Feb 22, 2015 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Vanguard Wellesley Income Fund a Buy?

Ki_poorrichard wrote:Tax advantaged account ... Roth IRA.


Some people would say that stuffing your valuable Roth space with bonds when you have 25+ years until retirement is a poor strategy.
by John3754
Sun Feb 22, 2015 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Vanguard Wellesley Income Fund a Buy?

Is this going in a tax advantaged account or a taxable account?
by John3754
Sun Feb 22, 2015 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Income Fund a Buy?
Replies: 37
Views: 3536

Re: Only 2 Funds Needed - Wellington & Wellesley?

What are "savings"? Is this a taxable account? Wellesley is not tax efficient for a taxable account.
by John3754
Sun Feb 22, 2015 9:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Only 2 Funds Needed - Wellington & Wellesley?
Replies: 7
Views: 1277

Re: Easy Money

Those people who are wishing for the days when CD rates were sky high don't understand the difference between nominal returns and real returns.
by John3754
Wed Feb 18, 2015 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Easy Money
Replies: 18
Views: 1830

Re: Who buys short term CDs?

Lots and lots of CDs add up. Perhaps, but that doesn't really address the question. "Lots" of money in short term CDs yielding 0.3% still adds up to less (and is less liquid) than the same "lots" of money in a savings account yielding 1%...so why would anyone chose the CD over t...
by John3754
Tue Feb 17, 2015 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who buys short term CDs?
Replies: 15
Views: 1489

Re: iPhone radiation levels

Has there been a single documented case of cancer due to cell phone exposure? I worry about comments like this. How can you prove it? We know that wood smoke is bad, but how do you prove that a particular cancer is caused by wood smoke when the same person is exposed to so many things on a day to d...
by John3754
Sun Feb 08, 2015 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2352

Re: Investment Portfolio of 9 figure lump sum

At that level, as long as you do something that's within reason, I don't see that it really matters much. Even at a 1% withdrawal rate you'd be talking about $1.75M a year.
by John3754
Sun Feb 08, 2015 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Portfolio of 9 figure lump sum
Replies: 6
Views: 602

Re: iPhone radiation levels

Has there been a single documented case of cancer due to cell phone exposure?
by John3754
Sun Feb 08, 2015 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: iPhone radiation levels
Replies: 31
Views: 2352

Re: John Bogle on International Investing

Stemikger, I have a hypothetical question for you, with all due respect to Mr. Bogle. Lets say you have a doctor that you've been seeing all your life and you trust, and he/she tells you that you have a serious medical condition that is going to require an expensive and dangerous surgery. You believ...
by John3754
Sun Feb 08, 2015 11:24 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 14819

Re: Dave Ramsey says you shouldn't own bonds?

obgyn65 wrote:I agree. Bonds are scary. I would stick to CDs.


CDs are bonds.
by John3754
Fri Feb 06, 2015 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says you shouldn't own bonds?
Replies: 64
Views: 8806

Re: Boomers and dividend stocks

It is interesting that I clearly said buying a fund and not individual stocks yet......One can aso present a scenario of a pct of the investing population believing in something without believing in it personally.I will now inform the boglehead purist of pure that the vast majority of the investing...
by John3754
Sun Feb 01, 2015 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Boomers and dividend stocks
Replies: 21
Views: 1699

Re: Good Wines

Every time this comes up a number of people mention "two buck chuck" (which hasn't cost less than $3 in years). If this is what you like to drink then there's nothing wrong with that, but frankly this is not good quality wine. There are plenty of good wines that are relatively inexpensive,...
by John3754
Sat Jan 31, 2015 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 54
Views: 4390

Re: Would anyone go 100% bonds if...

If you have $100 million, then as long as you do something that's within reason, it pretty much doesn't matter what you do.
by John3754
Fri Jan 30, 2015 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Would anyone go 100% bonds if...
Replies: 41
Views: 3440

Re: VUSTX 25.28% 2014

Long term bonds gain more when rates fall than short or intermediate term bonds. Thats not a theory, its a fact.
by John3754
Thu Jan 29, 2015 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: VUSTX 25.28% 2014
Replies: 6
Views: 502

Re: Just purchased 2015 maximum EE Series Bonds

It sure amazes me as some people think that locking 10k for 20 years at 3.53% return is a bad deal because of inflation and real return of only 0.5%. They justify this investment as a bad deal because of speculation that inflation will run rampant and increase and then this investment locked in for...
by John3754
Thu Jan 29, 2015 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Just purchased 2015 maximum EE Series Bonds

but this year I don't know if I will jump in the 10k I bond, will make that decision in November, if the fixed will come to something like 0.2% I am in... So you're basing your decision on whether or not you get an extra $20 in interest a year per 10k? You're really going to miss the boat for $20 a...
by John3754
Tue Jan 27, 2015 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Just purchased 2015 maximum EE Series Bonds

ArthurO wrote:only 1 10k boat per year, so jump on it or see it sail away forever... I've been jumping on for 4 years now and very happy with it...


And DW and I have each been jumping on the 10k I bond boat for the last 4 years. I guess we'll have to revisit this thread in 20 years and see who did better :D
by John3754
Tue Jan 27, 2015 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Just purchased 2015 maximum EE Series Bonds

Triple digit golfer wrote:3.53%? I see 0.10%. What am I missing?


The fact that they're guaranteed to double if held for 20 years, which when annualized is 3.53%. If you cash them in before the 20 years is up you get the 0.10%.
by John3754
Tue Jan 27, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Just purchased 2015 maximum EE Series Bonds

The point is, if one wants a nice safe secure investment EE bonds are great as they provide a very nice 3.5% guaranteed with no risk...at least to me EEs are no brainer.... My problem with EE Bonds, the thing that makes them NOT a no brainer to me, is that in order to get that "juicy", &q...
by John3754
Tue Jan 27, 2015 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWAL

Ah, so Mr. "CDs only for my safe money" comes out of his shell and wants to buy a high yield bond fund?! :wink: This fund is not exactly junk bonds, but it does have some non-negligible credit risk as well as intermediate duration risk, so losses of more than 1.5% are a very real possibili...
by John3754
Tue Jan 27, 2015 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Tax-Exempt Fund Admiral Shares (VWALX)
Replies: 22
Views: 1264

Re: Are any US-only investors having 2nd thoughts?

The magnitude of the market movements that you're talking about are background noise, and if you find them disturbing then you're most likely in the wrong game. Anyone who would seriously have second thoughts about their portfolio because of these movements over the past 27 days probably shouldn't b...
by John3754
Tue Jan 27, 2015 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4568

Re: Just purchased 2015 maximum EE Series Bonds

The other nice thing about EE Bonds is you don't pay state tax, which would make them better than a 3.53% 20 year CD. CDs can be held in tax advantaged accounts, EE Bonds cannot, yet I don't see anyone advocating going this long on CDs for 3.5%. Some here are begrudgingly taking 10 year CDs in thei...
by John3754
Tue Jan 27, 2015 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Just purchased 2015 maximum EE Series Bonds

20 years is too long for me to commit, and seeing 3.53% as "juicy" smacks of recency bias to me. I see a lot of people advocating EE bonds saying they're going to hold them for 20 years in order to get the 3.53%, but would you buy a 20 year CD offering that same rate? Personally I stick to...
by John3754
Tue Jan 27, 2015 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4130

Re: Ketogenic Diet anyone?

A better analogy for the ketogenic diet would be weekly investment mailers stating they have a "system" which can beat the market. They make bold claims with little real research to back them up and don't mention any of the risks. Your sentiment is unfortunate, uneducated, and inaccurate....
by John3754
Tue Jan 27, 2015 11:25 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1196

Re: Ketogenic Diet anyone?

Set40 wrote:This method of eating spans millions of years.


This is being readily accepted by many as fact but the actual evidence for it is weak.
by John3754
Tue Jan 27, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Ketogenic Diet anyone?
Replies: 22
Views: 1196

Re: Get 17% in russian savings account?

What's the real return on that 17% nominal rate?
by John3754
Mon Jan 26, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Get 17% in russian savings account?
Replies: 49
Views: 4546

Re: Drinking water

livesoft wrote:One could put tap water in jugs and put in the fridge. See what happens to the chlorine taste after a few days of cold storage?


Many municipalities treat their water with chloramine these days, which does not evaporate off like chlorine does.
by John3754
Sun Jan 25, 2015 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Drinking water
Replies: 46
Views: 3481

Re: Short term taxable investment- Disadvantage to Muni fund

How much will it bother you if you need the money 7-8 months from now and you have less than you do today?
by John3754
Fri Jan 23, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term taxable investment- Disadvantage to Muni fund?
Replies: 9
Views: 530

Re: Need a good place to store my cash

Bonds are where you hold cash that you don't want to expose to equity risk.
by John3754
Wed Jan 21, 2015 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need a good place to store my cash
Replies: 20
Views: 1345

Re: Simplified UB&H has been underperforming the S&P500 - Wh

That fund is 38% foreign stocks and foreign stocks have underperformed domestic stocks over the past few years. That's why.
by John3754
Tue Jan 20, 2015 11:15 pm
 
Forum: Investing - Theory, News & General
Topic: Simplified UB&H has been underperforming the S&P500 - Why?
Replies: 6
Views: 693

Re: Bored when market is closed

How's that fool-proof roulette strategy of yours working out? Why not make some money that way while the market is closed?
by John3754
Tue Jan 20, 2015 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bored when market is closed
Replies: 28
Views: 2119
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