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Re: Will not using my dishwasher cause problems?

Okay, okay, I'll try occasionally running it. But under protest, because ⋅ I don't really mind washing the dishes ⋅ I'm skeptical about claims that it's more efficient than washing by hand the way I do (small number of dishes, small amounts of lukewarm water) ⋅ Once I t...
by Teetlebaum
Thu Jul 31, 2014 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 45
Views: 2310

Re: 36 percent decline in net worth

As the report explains, this "inequality" is because most American's net worth is tied up in housing. So if people would stop investing in the stock market, there would be less inequality. I don't get the logic. If owning homes is what creates inequality, you should rent and invest in the...
by Teetlebaum
Mon Jul 28, 2014 1:02 am
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 38
Views: 5876

36 percent decline in net worth

http://1.bp.blogspot.com/-AlgC_KmdrTY/U9Uv1xv36KI/AAAAAAAAA9k/5lfxFbbXml0/s1600/Clipboard0.jpg From Wealth Levels, Wealth Inequality, and the Great Recession . As the report explains, this "inequality" is because most American's net worth is tied up in housing. So if people would stop inv...
by Teetlebaum
Sun Jul 27, 2014 2:50 pm
 
Forum: Investing - Theory, News & General
Topic: 36 percent decline in net worth
Replies: 38
Views: 5876

Re: POLL: Walmart vs Amazon

Walmart is usually my first choice before other stores. (And It's not as bad as some claim.) I only use Amazon for stuff I can't find locally.
by Teetlebaum
Sat Jul 12, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8130

What gives with these low returns?

Should I apply for a job managing Harvard (or any of the others?)

Image
(from Harvard Seeks Fund Chief for the Long Haul)
by Teetlebaum
Fri Jul 04, 2014 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: What gives with these low returns?
Replies: 17
Views: 1411

Re: In retirement you expect your standard of living to?

While still working I saved about 1/3 of my income. I retired early because of wife's health issues, but even reduced pension is more than the 2/3 of my income I was spending while working. So the standard of living has actually risen a little, and I've still barely touched my savings. Still pretty ...
by Teetlebaum
Fri Jul 04, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4532

Re: Can I afford a house in this price range? ($500k)

I wonder how people get themselves in such a situation? Most common way is job loss. But for a job loss to lead to foreclosure, one's mortgage payments have to be totally dependent on one's income. Even though both times I bought a house it was with a mortgage, I have had enough savings to have pai...
by Teetlebaum
Wed Jul 02, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4427

Re: Retired Bogleheads want to relocate to California

I know a guy who bought a 3 beds, 2 baths house in Chino Hills for $350,000 three years ago. According to him the market has now peaked and now he's listing it for 25% more. He claims he can get a house three times the size for the same price in Eastvale. (Either one is about an hour from Huntington...
by Teetlebaum
Wed Jul 02, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6877

Re: Can I afford a house in this price range? ($500k)

I just found out a house down the street is being foreclosed.

I wonder how people get themselves in such a situation?
by Teetlebaum
Wed Jul 02, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I afford a house in this price range? ($500k)
Replies: 31
Views: 4427

Re: bidet for a boglehead

For anyone on the edge of their seat...

I'm now the happy user of a Brondell FreshSpa Easy Bidet Toilet Seat Attachment from Home depot. A bit kludgy but easy for me to install and does the job.
by Teetlebaum
Sun Jun 22, 2014 8:53 pm
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2182

Re: Verizon FIOS bundle-->internet only. Streaming speed?

I currently subscribe to the "double play" with Verizon TV and internet services, and have for several years. I had an OTA antenna installed on the roof. Since I'm no handyman, my hope was to find someone else who knew what he was doing, but apparently all the many antennas I see in the n...
by Teetlebaum
Sun Jun 08, 2014 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Verizon FIOS bundle-->internet only. Streaming speed?
Replies: 7
Views: 722

Re: bidet for a boglehead

4nursebee wrote:This topic really stinks.
I wish the mods would just wipe it away.

Honi soit qui mal y pense.
by Teetlebaum
Sun Jun 01, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2182

bidet for a boglehead

This is personal all right! After experiencing the Toto bidet toilet seat in Asian hotels a couple of times, I'm sold on the principle, but not the Toto itself, because it's so expensive and I don't need all the bells and whistles (like a heated seat or heated water or a dryer). An American manufact...
by Teetlebaum
Sat May 31, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: bidet for a boglehead
Replies: 19
Views: 2182

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 ...
by Teetlebaum
Wed May 14, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39706

Re: What it’s like be 100 years old

Only 34 percent of Baby Boomers finished high school??? A brief look around the internet showed figures like " About 88.8 percent of boomers completed high school ", or Did not complete high school - 12.5 percent , or 85 percent of persons age 35 to 64 had at least finished high school . A...
by Teetlebaum
Wed May 07, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6028

Re: TV show recommendations?

by Teetlebaum
Mon Apr 28, 2014 6:48 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119859

Re: Reading room chair - what to pay and where to purchase?

I just got a Benchmaster "Emmie" that comes with an ottoman. It reclines and you can turn it.
Image
Even though it's "bonded" leather, it's still $400, but it's comfortable.
by Teetlebaum
Fri Apr 25, 2014 10:38 pm
 
Forum: Personal Consumer Issues
Topic: Reading room chair - what to pay and where to purchase?
Replies: 34
Views: 9102

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: 48
Views: 4481

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: 5167

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: 494

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: 2107

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: 2169

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: 2090

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: 12221

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: 6708

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: 5009

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: 10321

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: 8864

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: 6661

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: 1701

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: 1870

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: 6661

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: 329
Views: 39706

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: 2063

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: 1701

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: 11346

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: 1609

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: 6543

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: 3060

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: 7304

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: 6652

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: 85
Views: 17462

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: 180

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: 9712

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: 3925

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: 4886

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: 2393

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: 4389
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