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Re: POLL: what's the deal with Tuna Fish?

Olive oil. I believe the tuna cans are usually imported from Italy or the middle east. I've had pretty good French canned tuna also. I've given up on American brands. I eat it mixed with a little minced onions and celery on a fresh baguette.
by Teetlebaum
Mon Apr 21, 2014 12:47 am
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 44
Views: 2672

Re: Retired: When to move?

When? Shortly after my wife's serious illness was diagnosed. Moneywise, it meant my retiring a few years before my pension was maxed, but fortunately it's still enough. We had decided on the area we moved to even though we expected taxes to be higher than our original locality, but they're not as ba...
by Teetlebaum
Mon Apr 07, 2014 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Retired: When to move?
Replies: 43
Views: 3996

Re: electronic signatures: are they safe and easy?

When I sold my house, many required signatures were handled using something called dotloop. No problems and it was convenient.
by Teetlebaum
Mon Apr 07, 2014 12:48 am
 
Forum: Personal Consumer Issues
Topic: electronic signatures: are they safe and easy?
Replies: 7
Views: 400

Re: Renal Property Math - Make Sense?

It's legal to sell one's kidney...in Iran.
by Teetlebaum
Fri Mar 28, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renal Property Math - Make Sense?
Replies: 21
Views: 1821

Re: those with basements

Previously my basement (in the midwest) was not insulated and was cool but humid in the summer. Then it started leaking badly during heavy rainfalls. Repairs were expensive.
by Teetlebaum
Fri Mar 28, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: those with basements
Replies: 17
Views: 1977

Re: State Farm or Allstate

Get 4 or 5 quotes including one from an independent insurance agent (find ones in your community at the URL below). http://www.iiaba.net/agentlocator/findagent.aspx Limiting it to State Farm or Allstate is like shopping for a mid-sized sedan but limiting it to Ford and Chevy. +1 A few months ago wh...
by Teetlebaum
Sat Mar 22, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: State Farm or Allstate
Replies: 26
Views: 1818

Re: Savers remorse ?

I sure am glad I didn't buy...that Heathkit build-it-yourself home computer in 1984.... I didn't expect to run across anything in this discussion to remind me of buyer's remorse, but this reminds me of the Heathkit stereo I bought in high school and was unable to properly assemble. :oops: And that ...
by Teetlebaum
Sat Mar 22, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11182

Re: What premium items are least worth it?

first class on an international flight I've tried breaking up a long trip by making a one night stopover in a hotel chosen via Priceline. I'm not sure that would work for your trip, though. Obviously fancy hotels are one premium item not worth it to me. But I agree with the other commenters who say...
by Teetlebaum
Mon Mar 17, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5651

Re: What is your 2013 Federal Effective Tax Rate?

From turbidtax:
Effective Federal Tax Rate 5.16%
Effective State Tax Rate 1.08%
From http://www.bankrate.com/calculators/tax ... lator.aspx
15% marginal tax rate

Comparisons are odious.
by Teetlebaum
Sun Mar 16, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is your 2013 Federal Effective Tax Rate?
Replies: 73
Views: 4723

Re: best tips for passwords?

Here are the passwords that I use:
123456
password
12345678
qwerty
abc123
123456789
111111
1234567
iloveyou
adobe123
123123
admin
1234567890
letmein
photoshop
1234
monkey
shadow
sunshine
12345
password1
princess
azerty
trustno1

You're welcome to share.
:twisted:
by Teetlebaum
Thu Mar 06, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8504

Re: Will this affect your Tipping?

I buy my ice cream at the supermarket and brew my own cappuccino (or is it latte? Anyway I like it better than $tarbuck$ coffee). But what would I do? Well after first being confused by the Ipad, and then by the tip, I might actually pay the tip once. But I certainly wouldn't go back. BTW, speaking ...
by Teetlebaum
Thu Mar 06, 2014 10:23 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7559

Re: Wrist Watches

In my opinion, every man should have 1-4 good olympic barbells that last a lifetime, because I am into power and olympic lifting. Man, do I not get the watch thing.... In my opinion, everyone should wear a watch and study a foreign language. Duolingo would seem to agree, according to today's lesson...
by Teetlebaum
Sat Mar 01, 2014 8:37 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5763

Re: Any indoor seed starters?

I'm just a little excited. The poppy seeds ( Papaver orientale , not somniferum ) that I've planted have started to sprout. Silly me, I had to fill all sixty spots in that tray. Last fall I also got eight or nine Pride of Barbados ( Caesalpinia pulcherrima ) seeds from someone who has several plants...
by Teetlebaum
Fri Feb 28, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1442

Re: Indoor Plants - Recommendations?

rojoreno wrote:spider plants--thrive on neglect and with a little care thrive even more so

+1
by Teetlebaum
Thu Feb 27, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: Indoor Plants - Recommendations?
Replies: 21
Views: 1428

Re: Wrist Watches

amoeba wrote:If you are looking at sub $150 mechanical watches, stick to Seiko. You can find Seiko 5s for under $100....

I'm very pleased with the Seiko 5 I recently got via Amazon for $65, selling elsewhere for over $100.
by Teetlebaum
Thu Feb 27, 2014 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Wrist Watches
Replies: 81
Views: 5763

Re: Pull-ups and Push-ups

Although it does not include pull-ups, here is a short workout that doesn't call for much equipment: The Scientific 7-Minute Workout ( high-intensity circuit training using body weight as resistance ) http://2.bp.blogspot.com/-zEBGZdvr6UQ/Uw5-106RqcI/AAAAAAAAA7U/TI9aZLouDUM/s1600/workout.jpg Those s...
by Teetlebaum
Wed Feb 26, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 260
Views: 23958

Re: Inheriting money, then leaving it to your kids

I will promise to leave the principal to the kids but then in my dotage start p$$ing it all away like there's no tomorrow--because there isn't for me. I'll draft my will to read: so long, suckers! :D
by Teetlebaum
Wed Feb 26, 2014 5:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheriting money, then leaving it to your kids
Replies: 23
Views: 1929

Re: Any indoor seed starters?

I also use the cell packs in 10x20 inch seed trays. They've got plastic covers and can be bottom watered. I used these several years ago to grow Gloxinia (Sinningia speciosa) from seed years ago, and for the past couple of years I've been trying vegetables. The only trouble is planting too many seed...
by Teetlebaum
Wed Feb 26, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1442

Buffett: Baptist and Bootlegger

It's nice to see him speaking out for what we believe in, but we can't always follow his investment style. :annoyed
by Teetlebaum
Wed Feb 26, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett's portfolio for his wife: Vanguard index fund
Replies: 70
Views: 10234

Re: Using Turbo Tax when you have 'complicated' portfolio?

Turbotax ... can even download the 1099-B, 1099-DIV, 1099-INT from your brokerage houses. It's not hard to learn at all. I agree that it's pretty easy: the software asks questions and you answer them. However, this year it's not transferring 1099 info for my mutual funds from a little concern known...
by Teetlebaum
Tue Jan 28, 2014 2:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax when you have 'complicated' portfolio?
Replies: 20
Views: 1443

Re: Land that won't sell: what would you do?

I was in a situation with some similarities, but it was a house I had trouble selling . The property taxes are around $900 per year. My taxes were several times that. Keeping property taxes down is why I e-mailed the assessor to get the valuation reduced from $71,500 to $54,000. My assessor refused ...
by Teetlebaum
Wed Nov 27, 2013 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Land that won't sell: what would you do?
Replies: 85
Views: 5970

Re: Poll: House value as % of assets when mortgage paid off.

According to our original estimate, based on comparable houses (and the county real estate tax assessment), we thought it was about 10% of our net worth. Fortunately, like others, I never counted my residence as part of my net worth. Why "fortunately"? Because when we tried to sell it, we ...
by Teetlebaum
Wed Nov 27, 2013 1:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 2846

Re: If you were retired, how would you spend your time?

Already retired. I walk almost every morning, ideally for 5 or 6 miles, usually drilling to FSI language recordings, or alternate with walks to the the gym and workouts there. Either way, that takes up two or three hours. Then breakfast, Then surf the internet. Then it's time for lunch, after which ...
by Teetlebaum
Wed Nov 20, 2013 11:58 pm
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 6542

Re: Current Retirees: how much tax you pay?

5% on total income (1040 line 22). If I include state tax it bumps up to 6%; if I include property tax on top of that it bumps up to 7%. Still not forced to take RMD's and still married filing jointly.
by Teetlebaum
Wed Nov 13, 2013 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Current Retirees: how much tax you pay?
Replies: 55
Views: 6562

Re: Vanguard National Trust Company?

My concern with Vanguard is that they apparently won't be responsible for real estate. So unless I make an heir a co-owner of my house (that's my only real estate), it'll have to go through probate?
by Teetlebaum
Mon Nov 04, 2013 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 84
Views: 16199

Roth IRA with non-resident, non-spousal alien beneficiary

My wife has just gotten some bad news about her health. She wants to make a non-resident, non-spousal alien the beneficiary of her Roth IRA. Given the complexity & costs imposed on such beneficiaries, wouldn't it be easier to just withdraw an amount equivalent to what's in the IRA from my non-re...
by Teetlebaum
Thu Sep 05, 2013 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA with non-resident, non-spousal alien beneficiary
Replies: 0
Views: 169

Re: Anyone regret saving too much and not spending when youn

No. As it turns out, my defined benefit pension will probably be reduced, so I'm glad I've got a nest egg.

However, I'm a frugal person, and saving was never a sacrifice.
by Teetlebaum
Thu Sep 05, 2013 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret saving too much and not spending when younger?
Replies: 79
Views: 9004

Re: At what age you guys started investing ?

I started saving in primary school (5-6-7?) from my allowance and kept putting money in the bank until around age 28 when I discovered these groovy things called "mutual funds".
by Teetlebaum
Mon Aug 05, 2013 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: At what age you guys started investing ?
Replies: 61
Views: 3501

Re: The Many Myths of Warren Buffett

Warren Buffett: Baptist and Bootlegger
by Teetlebaum
Sat Aug 03, 2013 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: The Many Myths of Warren Buffett
Replies: 29
Views: 4741

Re: Recommended Percentage Savings

For me it's always come down to as much as I could. There was a time when my pay was very low and although I saved a little, the percentage was low. As I made more and more I saved more and more. Any percentage has only been of any interest to compare myself to someone else's benchmark. One might ne...
by Teetlebaum
Wed Jul 31, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommended Percentage Savings
Replies: 18
Views: 2295

Re: Cost of having an attorney draft a will

Does anyone know what is the cost to create a revocable trust for Washington State? I would like to draw a trust including will, estate planning, and create a trust for banking. I don't know if it's called Revocable Trust but I really need one for my family. Thanks. Please post here what you find o...
by Teetlebaum
Wed Jul 31, 2013 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of having an attorney draft a will
Replies: 37
Views: 3787

Re: Question on "Rich Habits"

Most of the "rich habits" seem to boil down to things like self control, the ability to defer gratification , and the habit of planning ahead. I'm under the impression that a lot of this is inborn. But maybe people can be taught, or "nudged". (My search for HBD turned up “Has Bee...
by Teetlebaum
Wed Jul 31, 2013 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10378

Bogleheads work to reduce income inequality

At least that's the headline I'd write for this article. Aren't we virtuous?
by Teetlebaum
Fri Jun 14, 2013 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads work to reduce income inequality
Replies: 4
Views: 630

Re: Why do you do it? [POLL] [High savings rate for retireme

Freedom, certainly. I find it fascinating that only a third of Poll Respondents say the main reason is to retire early and have fun spending it! Hang around this forum long enough and I think you'll pick up on the fact that a lot of Bogleheads have clusters of personality traits that manifest thems...
by Teetlebaum
Sat Jun 01, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do you do it? [POLL] [High savings rate for retirement]
Replies: 78
Views: 8351

Re: TrueCrypt question

strcmp wrote:Truecrypt should have no issues running on any modern version of Windows today (Windows XP and above).

Not Windows 8 as of today. Full support for Windows 8 is planned to be implemented in future versions.
by Teetlebaum
Fri May 31, 2013 2:10 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt question
Replies: 22
Views: 2323

Re: Why do you do it? [POLL] [High savings rate for retireme

I didn't really have a specific reason. Since I was little I always saved and been fairly frugal, and earned enough for my needs so that I was able to save quite a bit. As it turns out, that was a wise decision, because my (state) pension will be less than my employer promised, and I'm not covered b...
by Teetlebaum
Fri May 31, 2013 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do you do it? [POLL] [High savings rate for retirement]
Replies: 78
Views: 8351

Re: Vanguard Charts using Adobe Flash

On Windows 8 after the most recent Windows update, I'm now experiencing the same problem with Firefox 21.0, and the latest Chrome and IExplorer.
by Teetlebaum
Wed May 15, 2013 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Charts using Adobe Flash
Replies: 10
Views: 962

Should I Invest in Housing for the Long Term?

Should You Invest in Stocks or Housing for the Long Term? It Depends.
eight out of 10 people surveyed for a Pew Research report agreed that buying a home was the best long-term investment a person can make.
by Teetlebaum
Thu May 09, 2013 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: Should I Invest in Housing for the Long Term?
Replies: 4
Views: 373

Re: Comparing yourself to everyone else...

What I was looking for was the net worth of people in a certain neighborhood. What I actually found was:
http://cgi.money.cnn.com/tools/networth_ageincome/
http://www.stackmeup.com/net-worth/aver ... -worth.php
If neither makes you feel rich, there's always this:
http://www.globalrichlist.com/wealth
by Teetlebaum
Wed May 08, 2013 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Comparing yourself to everyone else...
Replies: 10
Views: 1859

Re: Bank mailed me letter, $5 fee starts in June

Didn't read the replies on this, but the first thing that came to mind is that you have free will and can change banks. The second thing that came to mind is that an average monthly balance of 300 smackers is not asking too much. The financial incentive for banks to hold very small accounts for fre...
by Teetlebaum
Wed May 08, 2013 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 6986

Re: Cognitive decline and financial matters

Here's a suggestion from an earlier thread: .... My solution was that I found an attorney to draft a will (all goes to charity) and the attorney pointed me to an accounting firm to serve as executor and a geriatric care service to serve as health care power of attorney -- when to pull the plug and ...
by Teetlebaum
Tue Apr 09, 2013 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cognitive decline and financial matters
Replies: 65
Views: 4077

Re: Decent Cheap Rx Eyeglasses!

Usually after I get glasses I find I need to return to the optometrist because it turns out they don't fit comfortably. (I wear my glasses during almost all my waking hours.) So if these mail order frames aren't comfortable, what will I do?
by Teetlebaum
Sat Apr 06, 2013 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Decent Cheap Rx Eyeglasses!
Replies: 38
Views: 6352

Re: TV show recommendations?

Mr Selfridge
by Teetlebaum
Fri Apr 05, 2013 9:32 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14318

Re: [Movie Reviews: I need a replacement for Roger Ebert]

I browse Movie Review Query Engine and imdb, but then I preferred Siskel to Ebert.
by Teetlebaum
Fri Apr 05, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: [Movie Reviews: I need a replacement for Roger Ebert]
Replies: 16
Views: 1829

Re: Living in a "shoebox"

300 sq. feet? That's huge! (Japan’s Coffin Apartments Are Not for Claustrophobes). More seriously, on some guy's money-saving site I read about how he lived in on $7000-$8000 a year by staying in an RV. But he split costs with his girlfriend.
by Teetlebaum
Thu Apr 04, 2013 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Living in a "shoebox"
Replies: 36
Views: 3781

Re: House facing direction and Solar heat

Here's a solution used in hot, dry climate in the 1890's: This is a photo of what is now known as "Old Main", a building on the U. of A. campus in Tucson, (taken some time ago): https://lh3.ggpht.com/-LlCsv1abLvQ/UV4huAnFq8I/AAAAAAAAA2w/3wjeJDHst1M/s1600/2013-04-03_1857.jpg Here's a more r...
by Teetlebaum
Thu Apr 04, 2013 9:09 pm
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2279

Re: House facing direction and Solar heat

I think our trees are a big deal in saving energy. Yes indeed. The house I used to live in had large trees shading it on the south and west sides, but they had to be cut down after a severe storm. The house got much hotter in the summer. (This was below the Mason-Dixon line, had it extended into th...
by Teetlebaum
Wed Apr 03, 2013 11:51 pm
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2279
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