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Re: Help me understand Michael Lewis' "Flash Boys"

Watch the 60 Minutes shows (there are 2 recent ones) on high frequency trading, and how "computers" can execute trades that would be considered illegal as insider trading if humans did it. Those tiny fraction of seconds x a few pennies a trade x millions of transactions are making these HF...
by Skiffy
Fri Apr 04, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Help me understand Michael Lewis' "Flash Boys"
Replies: 164
Views: 8451

How to convince family & friends to use Boglehead Method?

I have a twin sister-we're in our mid-50's. We laugh about who will be living in whose basement! After being accused about being obsessed with money and even planning and thinking about retirement, they will be living in our basement. In other words you can't preach the boglehead methods to those wh...
by Skiffy
Sat Feb 22, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: How to convince family & friends to use Boglehead Method?
Replies: 61
Views: 4205

Re: Retirement Advice - inheritance vs. quality of retiremen

Repeating my previous posts: who know what the future will hold? Bad health, early death etc. You may think you're choosing option 1, but life may choose another! If the kids are lucky they may get an inheritance, or they may be lucky that we won't have to live with them when we get old! After seein...
by Skiffy
Tue Feb 04, 2014 9:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retirement Advice - inheritance vs. quality of retirement
Replies: 23
Views: 1813

Re: Gopher Madness

We got rid of our gophers by offering a $20 bounty for each gopher shot with a BB gun. Popped the screen off window and a couple days later that was the end of our gophers. (Remember we are in the Wild West here!)
by Skiffy
Sun Jan 26, 2014 4:35 pm
 
Forum: Personal Consumer Issues
Topic: Gopher Madness
Replies: 71
Views: 3066

Re: Emergency Fund for Self Employed?

also does it look like you might have seasonal ups and downs? Might need more reserves if you will have slow periods.
by Skiffy
Wed Jan 22, 2014 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund for Self Employed?
Replies: 9
Views: 771

Re: Finished Basement Ideas

Are you planning on staying in your home for a long while? I would think long term and really consider adding the bedroom and bathroom for guests and when those pesky kids come back after college!
by Skiffy
Sun Jan 19, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Finished Basement Ideas
Replies: 32
Views: 2019

Re: Do you oversave for retirement or not?

How do you know if you have "oversaved" until you're dead or run out of money? Maybe that huge savings will pay for a transplant or rehab for a relative!
by Skiffy
Wed Jan 08, 2014 9:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you oversave for retirement or not?
Replies: 70
Views: 5818

Re: Non-retirees: Envisioning Retirement

Frankly, dreading what retirement might be. spouse who has been totally consumed with work, with no friends or hobbies and of a crabby personality is not something I look forward to.
by Skiffy
Sat Jan 04, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4362

Re: House sitting - any pitfalls to avoid?

I would check your city average price is for dog sitting/walking (had a boss who paid $7/visit, not including walking that is just checking on one pet, letting it out, feeding it). That would be the minimum that I would charge someone. And some written understanding of what she would be responsible ...
by Skiffy
Sat Dec 28, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: House sitting - any pitfalls to avoid?
Replies: 19
Views: 1759

Re: Recording Account details for heirs/spouse

Really, this is not as simple as account listing, password etc unless your accounts are set up as payable-upon-death. My FIL recently passed, and the companies (utilities, credit card. . .) wouldn't even talk to him as he was not listed on the accounts. FIL had automatic charges hitting his credit c...
by Skiffy
Sun Dec 15, 2013 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recording Account details for heirs/spouse
Replies: 11
Views: 1045

Re: I'd like to challenge the logic behind a 'disaster fund'

Interesting that on this board people even think about these topics. Is it just me, or just Mr. Public just stick their heads in the sand and not even think about the future? Some family and friends don't even like to talk about how they plan or want to live in retirement. Have a "disaster"...
by Skiffy
Sat Dec 07, 2013 3:19 pm
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7041

Re: Food Processor Advice?

We've had a Cuisinart for many years. Fondly call it the dishwasher hog, as it takes up half of the top rack. Use if for making pizza dough, slicing, chopping, pie crusts, hollandaise sauce, big batches of nearly anything (coleslaw, etc). Also can salsa, and use the food processor for chopping up al...
by Skiffy
Wed Dec 04, 2013 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Food Processor Advice?
Replies: 18
Views: 972

Dying with $1 in Pocket

FIL recently passed with a one dollar bill in his pocket. Due to some nagging on my part, a power of attorney and will were in place. His social security stopped before his last bills could be paid--he had a shell game going for what bills he paid and when, not one penny saved. All those treasures h...
by Skiffy
Wed Nov 13, 2013 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Dying with $1 in Pocket
Replies: 52
Views: 3072

Re: Giving notice...how much time?

In one of my previous jobs, someone "retired" for a year before they gave their notice! In another job, when the person decided to move on, they really didn't do any work after they decided to quit--it makes for hard feeling all around. Another one was escorted out the door when they gave ...
by Skiffy
Sat Oct 19, 2013 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving notice...how much time?
Replies: 55
Views: 4686

Re: Cheapest way to move long distance

Here is another NO vote on driving. Why? The weather! We have had snow storms already this year, and what would be the odds of on a cross country drive you would run into at least one storm, road closing episode? Scary and not worth the risk.
by Skiffy
Sat Oct 12, 2013 10:55 am
 
Forum: Personal Consumer Issues
Topic: Cheapest way to move long distance
Replies: 48
Views: 3090

Re: How did you/your child pay for college?

We paid for the kid's college (in-state tuition) by paying off our mortgage early, and then the house payment became our college savings. They had to work and pay for spending $$, gas for their cars, entertainment etc. R & B in the dorms cost more than our mortgage payment, and this was several ...
by Skiffy
Sat Sep 28, 2013 2:54 pm
 
Forum: Personal Consumer Issues
Topic: How did you/your child pay for college?
Replies: 151
Views: 8472

Re: Drainage issue - Requesting Your Thoughts

Okay, this may be a dumb answer, as I don't understand your layout--what about putting window well covers over the top to divert the water from filling up your window wells? Or have you tried this? I think our house has the waterproofing around the outside of the walls, but the window wells also hav...
by Skiffy
Fri Sep 13, 2013 9:59 pm
 
Forum: Personal Consumer Issues
Topic: Drainage issue - Requesting Your Thoughts
Replies: 14
Views: 1735

Re: Considering a Bread Machine

I bought a baguette pan and made the dough in the bread machine which is 1 1/2 hr, then takes another 1 hour to raise in the pans, but well worth the effort. A chocolate bread that is good. Pizza crust is good as cinnamon roll dough. I make crusty, wheaty, grainy, seedy, whole-wheat bread in the bre...
by Skiffy
Mon Sep 09, 2013 10:54 pm
 
Forum: Personal Consumer Issues
Topic: Considering a Bread Machine
Replies: 38
Views: 2364

Re: College ... [Funding college tuition without a loan]

You never mentioned how old your children are now? We found that the rules changed even the 3 years we filled out FASFA form, so if your kids are several years out, the rules might be different. Here is how we paid for our kids college tuition w/o a loan. . .we paid off our house in about 13 years, ...
by Skiffy
Sat Sep 07, 2013 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re: College ... [Funding college tuition without a loan]
Replies: 24
Views: 2591

Re: Time between you drop off and pickup kid from an activit

Ahhhh, those were the days. Hate to tell you that I miss them. I always felt that my organizational greatness was at its peak! Can you still have a home cooked meal, snacks, and get your kids to their activities? You have to be firing on all cylinders or eat a lot of fast food. During those busy tim...
by Skiffy
Sat Sep 07, 2013 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Time between you drop off and pickup kid from an activity
Replies: 5
Views: 580

Re: Canned Peas???

I grew up on a ranch, where grocery shopping was every 4 to 6 weeks. So we would have fresh salads and fruit for a short while and then frozen or canned towards the end. Mom made creamed peas (and you have to used canned peas!) She would make a white sauce with half canned milk and half the canning ...
by Skiffy
Sat Aug 24, 2013 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Canned Peas???
Replies: 107
Views: 9960

Re: Grocery shopping price comparison (Costco vs BJs vs Sams

We only have 2 of the stores listed for your comparison-Sams & Walmart. People who follow the unit price on items will look at the weekly grocery flyers and stock up and coupon when the price is low. After cleaning out the pantry with all the "sales" items that are now expired, we have...
by Skiffy
Thu Aug 22, 2013 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Grocery shopping price comparison (Costco vs BJs vs Sams...)
Replies: 35
Views: 4775

Re: casper wyoming

Having lived in Wyoming all my life, here is my reply. Wyoming ranks #50 in population and #49 in population density (or visa versa, does it really matter?) Winters are endless and long. Summers are short and not that hot. Humidity is non existent-in other words very dry. The wind it seems never sto...
by Skiffy
Wed Aug 07, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: casper wyoming
Replies: 27
Views: 1916

Re: My Early Retirement Thoughts and Calculations

2 family friends have retired recently, and the in-laws (both in their 80's) have run out of $$ after retiring at 62; so the thoughts about early retirement have been running around my brain. I've been thinking about 30 years ago, and how much I made ($4.50/hr! insurance less than $100/mo) and how m...
by Skiffy
Sat Jul 13, 2013 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Early Retirement Thoughts and Calculations
Replies: 43
Views: 7851

Re: Forest cabin as second "home"

We just got back from camping this last weekend in the National Forest. There were several cabins around the lake that was next to the campground. The cabins are surrounded by dead and dying trees--the pine beetle kill in the western states has been bad. Now here are all these cabins, not nestled in...
by Skiffy
Mon Jul 08, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Forest cabin as second "home"
Replies: 24
Views: 3504

Re: What does it take to become a Boglehead?

What it takes to become a Boglehead-I'm damn cheap. Carries over into low-cost investing, the rest of [i]becoming[i] resulted from this main point.
by Skiffy
Fri Jun 14, 2013 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: What does it take to become a Boglehead?
Replies: 31
Views: 2258

Re: Social Security - Guide

Here is something to keep in mind-- Yes, it is good to be informed and run different outcomes. . . but no one can predict the future. It really depends on how long they both live & how expensive things get, esp thinking 20-30 years out. The in-laws took SS the minute they qualified, and thought ...
by Skiffy
Thu Jun 13, 2013 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security - Guide
Replies: 20
Views: 1503

Re: If you were making a PF presentation for young professio

I speak from a parents point of view with 2 kids in their 20's. Don't try to make them drink from a fire hose! Their eyes will glaze over with too much detail on anything. You will find young adults have a lot different financial habits than middle-aged people (checks? never write them or balance an...
by Skiffy
Sat Jun 08, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you were making a PF presentation for young professionals
Replies: 30
Views: 2248

Re: What to do when a parent's money runs out?

We're in the same position, except it is FIL. I don't know what game he likes to play, Dumb Bummy or Sly like a Fox! He has never saved any money and spent every penny ++ he ever had. Then thinks someone should pick up the tab, has spent all the $$ the ex-wife (MIL) would give him, now wants us to s...
by Skiffy
Mon Jun 03, 2013 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15221

Re: Pet Adoption

I would repeat what a previous poster said--decide if you want a shedder or a dog that needs those expensive haircuts (more than the human kind!) plus the hassle of dropping off/picking up at the groomers. I brush our dog several times per week and we still have long black dog hair all over. Our mut...
by Skiffy
Mon Jun 03, 2013 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Pet Adoption
Replies: 22
Views: 1073

Re: Dining out : Special requests

Just watched an episode of "The Chew" this week where Mario Batali and Michael Simon commented on this very issue. Customers will bring in their own pasta and want them to cook it for them. . . Generally I think Joe Public is getting ruder and abrasive, I don't think I would make a very go...
by Skiffy
Wed May 08, 2013 11:54 am
 
Forum: Personal Consumer Issues
Topic: Dining out : Special requests
Replies: 52
Views: 3085

Re: Renting - The Boglehead Way

I would make sure you have documented any damage prior to moving in-including countertops, floors walls, etc. Take dated pictures, put copies with your lease and notify your landlord. In college towns they pretty much keep the damage deposit as a matter of principal, it didn't matter if you left the...
by Skiffy
Tue May 07, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Renting - The Boglehead Way
Replies: 65
Views: 7743

Re: Where to get photos or posters framed?

Have you tried the digital photograph to canvas prints? We have been very happy Sam's Club, but their are alot of online places that will also do this. We blew up a fire photo with dark trees, orange smoky background that looks like a sunset. They place the canvas over frames, so they are ready to h...
by Skiffy
Tue Apr 30, 2013 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Where to get photos or posters framed?
Replies: 15
Views: 793

Re: Contemplating buying rental property - what to consider?

College town rentals: my take after having 2 kids who rented in a college town! Kids get their first taste of freedom! Mom isn't riding their butts to go to bed at a decent time, clean their bathroom etc etc. Student flunks out/decides school isn't for them. Do you hold the other 3 renters, or whoev...
by Skiffy
Tue Apr 30, 2013 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Contemplating buying rental property - what to consider?
Replies: 38
Views: 2079

Re: Where to Put Money Set Aside for Kids

Sounds like you might be high-income earners, but have you considered a Roth? I guess the trouble with this approach would be you could only pull on contributions w/o penalty--
by Skiffy
Sat Apr 20, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Put Money Set Aside for Kids
Replies: 18
Views: 1898

Re: Review my plan to ditch satellite service

If you are used to the HD signal, you may be surprised by how snowy an antenna signal comes in. A little over a year ago we changed from dish to cable, with a DVR on both. Surprisingly we kind of missed being able to watch shows off the TV upstairs (as we only had one DVR installed with cable). Also...
by Skiffy
Thu Apr 18, 2013 10:02 am
 
Forum: Personal Consumer Issues
Topic: Review my plan to ditch satellite service
Replies: 45
Views: 4030

Re: Can I retire?

I know this a Bogleheads forum, but there is a lot more to "Can I Retire" than financial! This I say after a sad visit with the in-laws, who have been retired for 18 and 22 years. Besides considering the cost, you really have to think about psychologically what will give your days meaning....
by Skiffy
Fri Apr 12, 2013 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I retire?
Replies: 30
Views: 4669

Re: Divorce and financial goals

Being a true Boglehead (?) I haven't divorced. We pretty much live separate lives as roommates. So out the 50% still "married" take another chunk (10% ? 20% ? ) who knows--maybe more common that you think. (sad I know)
by Skiffy
Mon Apr 08, 2013 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Divorce and financial goals
Replies: 23
Views: 2786

Re: Leaving equal inheritance value to all kids?

I have a question about unequal shares for the grandchild on SSDI--isn't this a case for a special needs trust? An outright inheritance could stop all support from SS and any state support?
by Skiffy
Fri Apr 05, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving equal inheritance value to all kids?
Replies: 71
Views: 3979

Re: Buying a car for my daughter

Go to a high school, any high school. Park and watch the kids leave at lunch or when school gets out. Then you may agree with me that no 16 year old should be driving!n Squishy brain (brain not fully developed for consequences of actions).
by Skiffy
Tue Apr 02, 2013 10:23 am
 
Forum: Personal Consumer Issues
Topic: Buying a car for my daughter
Replies: 70
Views: 4128

Re: Are you Walking in your Father's footsteps?

This thread made me realize that I am older than my parents were when they died. Wow. The Bogleheads must be city slickers? We both grew up on farms/ranches and now live in the "city" if you can call any town in Wyoming a city. We don't make our living in agriculture like many of our paren...
by Skiffy
Thu Mar 28, 2013 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 83
Views: 8497

Re: Emergency Fund really necessary in retirement

Attaching a label on a pot of money (retired or not) is just a label--

What I'm seeing in the inlaws is it is HARD when you're retired to replenish your funds! They are on a downward spiral-- Utility & healthcare cost increases are keeping them from saving anything.
by Skiffy
Mon Mar 25, 2013 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund really necessary in retirement
Replies: 19
Views: 2202

Re: How can I tell when a generally bad or good time to buy

I've been in the stock market only 10 years. The market is at an all time high. Yes my balances look Good! Wait! I was buying a LOT more shares when the market was at its low! Just kept putting in over the years, high or low! ride it out, that is the test if you are in a conservative enough stock to...
by Skiffy
Wed Mar 20, 2013 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I tell when a generally bad or good time to buy is?
Replies: 37
Views: 2819

Re: Should I stay or go thoughts [retire early]

Speaking from the inlaws perspective--they retired the second they could (at 62). Now in their 80's they are running out of money. A few trips to the hospital, utilities that keep going up (more than they ever thought), car repairs etc. And you're considering retiring 10 years earlier, so tack on gr...
by Skiffy
Fri Mar 08, 2013 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I stay or go thoughts [retire early]
Replies: 35
Views: 2618

Re: How do we protect asset from our aging selves?

Statistically, are the “aged” more likely to be taken advantage of by their own family members, or by a salesman? Or does anyone keep track of such bleak statistics? I personally have witnessed a few grandkids helping themselves to cash that Grandpa and Grandma had in a drawer, maybe it is the lower...
by Skiffy
Tue Feb 26, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do we protect assets from our aging selves?
Replies: 22
Views: 2553

Re: 'Running out of money'?

Seeing the in-laws trying to live on social security makes us save more! Car breaks down, no $$ to fix it; utilities go up, can't afford it-whoops heat gets turned off; medical costs go up every year; insurances go up every year. . you get the idea. Just compare how much things cost 20 years ago whe...
by Skiffy
Wed Feb 13, 2013 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 'Running out of money'?
Replies: 14
Views: 1633

Re: Social Security - Why Delay ?

My spouse and I are in our 50's. Spouse could retire at any time (at-will employement) with full pension. Spouse 4 years older, and makes a heck of alot more than I do. Then I look at at my in-laws, who quit work and started drawing Social Security the minute they turned 62. Now after drawing ss for...
by Skiffy
Wed Feb 06, 2013 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Social Security - Why Delay ?
Replies: 145
Views: 5585

Re: Cat resistant funiture

Our cat is very playful and has scratched the heck out of the leather couch--he is declawed in the front but those back claws have put some serious scratches on the cushions. I feel like Grandma, but have put blankets down-- the couch belongs to to cat and dog, they each get one side.
by Skiffy
Sat Jan 19, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Cat resistant funiture
Replies: 27
Views: 1503

Re: Roth IRA and Will

Just finished reading the book Beyond the Grave: The Right was and the Wrong Way of Leaving Money to Your Children by Gerald Condon. Very thought provoking - the author is a lawyer who has seen the consequences unequitable distribution of assests to your children, which frequently backfire. This boo...
by Skiffy
Wed Jan 09, 2013 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA and Will
Replies: 4
Views: 425

Re: Dishwasher Repair

Best money ever spent was replacing low-end, construction grade dishwasher with a mid to high range--no more rinsing dishes, sensors to tell how dirty the dishes are, quieter, etc.
by Skiffy
Thu Dec 27, 2012 5:22 pm
 
Forum: Personal Consumer Issues
Topic: Dishwasher Repair
Replies: 15
Views: 1147
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