Search found 449 matches

by Tamarind
Sat Jun 24, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: emerald ash borer disaster
Replies: 31
Views: 1191

Re: emerald ash borer disaster

I find pear trees to be a bad choice for street trees. They are chosen because they are quick growing. However they are also fragile under load and tend to shed branches very easily under snow or ice. This applies to all pear trees. Bradford pear, the more common pear to use for street trees, stink ...
by Tamarind
Wed Jun 21, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

I ferment hot pepers. I use them sliced or to create hot sauces. A lot of the commercial hot sauces are made with fermented peppers. I know some hot sauces are fermented but I don't know how it's done. How long do you typically let them "mature". Is a standard pickling liquid involved or ...
by Tamarind
Tue Jun 20, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

Let's cut the health talk as this is a topic I'd like to see remain open!

Anyone got a favorite cucumber pickle recipe? I've never made them myself even though I've done other vegetables.
by Tamarind
Tue Jun 20, 2017 6:39 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

Too much salt for us to do the traditional brine ferment process but you can substitute whey. We usually have something going in our fermenting pot. We are also averse to the high sodium to use it with everything. Our first try at the whey method produced some mold on top. Any tips to prevent that?...
by Tamarind
Tue Jun 20, 2017 6:29 am
Forum: Personal Consumer Issues
Topic: Fermenting Vegetables
Replies: 44
Views: 3038

Re: Fermenting Vegetables

Got a fridge full of mixed cabbage, daikon, carrot pickles at the moment. I do this pretty frequently and enjoy the taste. Dilly beans and pickled okra are my favorite to make from the garden. If you're concerned about sodium, it's possible to reduce the salt if you 1) like very vinegary pickles and...
by Tamarind
Tue Jun 20, 2017 6:07 am
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 3428

Re: Need to find Loaded Index Funds

The fiduciary role is doing its job, by bringing the interests of advisers (and their colleagues, sorry OP) forcibly into alignment with those of clients. Like any employee whose employer-provided investment accounts have their terms suddenly changed for the worse, you'll have to decide how much tha...
by Tamarind
Mon Jun 19, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 7
Views: 633

Re: 28, Single, No Debt, Seeking Portfolio Advice

Nice options you have there in your employer plans! I'm not familiar with after tax contributions to a 401k and their rules, but anything that would let you make further use of those State Street funds with super low ERs would probably be good. If you can't do that, add a taxable account at Vanguard...
by Tamarind
Mon Jun 19, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: What Car Should I Buy My Daughter as a Graduation Present
Replies: 139
Views: 6351

Re: Any BHs Had Experience With the Honda Fit?

My parents, one of whom is an engineer in the auto industry, drive matched Fits and love them (Previously Volvos prior to the sale of the car division, then VWs). They like them especially for gas mileage and space, as well as reliability and cost of maintenance, but joke that it's a motorcycle engi...
by Tamarind
Thu Jun 15, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Curious to odd estate question
Replies: 88
Views: 4731

Re: Curious to odd estate question

This is awful. However the cryptocurrency approach is the most effective by far. It could be written into the will for the executor to convert the holdings to a relevant cryptocurrency and then destroy all record of the key. It might be the moral duty of the OP to refuse to provide this advice to th...
by Tamarind
Thu Jun 15, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: Enterprise Software Sales - Delivery when raising invoice or after payment
Replies: 13
Views: 686

Re: Enterprise Software Sales - Delivery when raising invoice or after payment

I have some experience with this but I am not a lawyer. I also don't know what your contract with this company says. You should abide by the contract and so should they. If your Ts&Cs are not specific enough, this may become a major learning experience for you. Also, here's the prior thread: htt...
by Tamarind
Tue Jun 13, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11818

Re: Who takes financial chances and why is this forum so financially conservative?

nedsaid wrote:My suspicion is that the forum is getting more financially conservative because we are all getting older. My best guess is that forum members probably tilt towards the 50 and older crowd.


I think this is likely. Doing my best to bring in a mess of 30-something whippersnappers. :D
by Tamarind
Tue Jun 13, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 66 and perplexed, hoping for some advice!
Replies: 19
Views: 2624

Re: 66 and perplexed, hoping for some advice!

Seems to me like you're going to be fine with the nest egg you have, provided your total expenses are really $28k as you seem to be suggesting. You can expect to safely generate a bit less than $17k annually from your nest egg for the duration of your retirement. If your SS will cover the other $11k...
by Tamarind
Sat Jun 10, 2017 6:52 am
Forum: Personal Consumer Issues
Topic: Installing Fencing to keep predators away from chickens?
Replies: 26
Views: 1681

Re: Installing Fencing to keep predators away from chickens?

Rather than attempt to fence in an area to keep all predators away, you would be money ahead to shut them inside a predator proof building at night and let them roam during the day. The animals that eat chickens mostly come out at night when they are locked inside solid walls and you are in bed asl...
by Tamarind
Sat Jun 03, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Approaches (forced) - review my situation?
Replies: 29
Views: 4890

Re: Early Retirement Approaches (forced) - review my situation?

You've done a fantastic job saving. I think just a little de-risking is in order. 1) I would dispose of all the individual stocks first in tax-advantaged accounts including 529. In the taxable I would work on TLH and even take some capital gains hit in order to either withdraw it first for spending ...
by Tamarind
Sat Jun 03, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How to reject tenants for subjective reasons?
Replies: 18
Views: 2604

Re: How to reject tenants for subjective reasons?

There is fantastic advice in here. I would add that not only should you be taking notes on your reasons for rejecting, but that if you wouldn't be comfortable telling the person to their face why you are going with a different tenant, you shouldn't use that reason. Make sure you are being honest wit...
by Tamarind
Fri Jun 02, 2017 6:15 am
Forum: Investing - Theory, News & General
Topic: How do you fight the urge to micromanage?
Replies: 57
Views: 4155

Re: How do you fight the urge to micromanage?

Follow your portfolio EVERY day for months and see what happens. You will get used to doing nothing but watching. It's so easy. You will find out that things you expected to happen, didn't happen. And things you didn't expect to happen, happened. Then get a pet like a parakeet or dog that you can m...
by Tamarind
Wed May 31, 2017 9:55 am
Forum: Personal Finance (Not Investing)
Topic: Senility: How do you plan on protecting your money when you lose your mental capacities?
Replies: 72
Views: 5776

Re: Senility and Seductresses: How do you plan on protecting your money when you lose your mental capacities?

Unfortunately all strategies which rely on a POA are subject to the problem Nisiprius raised, since they can be revoked by a confused or fearful future self. Only annuitization or a living trust not directed by the donor could truly resist a severe case, as the assets would no longer be available to...
by Tamarind
Wed May 31, 2017 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6601

Re: Predicted 4% return over next decade. What do you do now?

Enjoy the ~15% nominal return I seem to have gotten over the last 12 months. Remember that the next decade is likely to contain at least one big pullback, providing some cheaper shares for a while. Keep saving. See what happens next.
by Tamarind
Sun May 28, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Idea for Fun Money Account, Good, Bad or Ugly?
Replies: 32
Views: 1859

Re: Idea for Fun Money Account, Good, Bad or Ugly?

Ugly. If you've been doing well without one why start now? I see "fun" accounts as a psychological crutch (often sorely needed to prevent violating an investment plan). I recommended my dad keep one as he is a long time market timer and stock picker and it lets him boast to me about his hu...
by Tamarind
Wed May 24, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Any advice on investing 200k, short term 1 yr?
Replies: 15
Views: 1990

Re: Any advice on investing 200k, short term 1 yr?

Another vote for leaving it in a high yield savings account. Collect your $2000 in interest and then buy the house. Don't take any risk with your down payment when it is not needed to hit the number you need.
by Tamarind
Fri May 19, 2017 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: I'm having a freak-out moment (portfolio question)
Replies: 24
Views: 2537

Re: I'm having a freak-out moment (portfolio question)

The only thing you should be freaking out about is not having an emergency fund. and paying only $200/month to a $2500 credit card bill. :shock: Seriously, get rid of this debt as quick as you can assuming the interest rate is anywhere close to normal credit card interest rates. Yes, this. Pay off ...
by Tamarind
Thu May 18, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 2599

Re: Learning how to spend

Thank you all for the responses and great suggestions. Finding the balance seems to be getting harder as I am definitely beginning to feel the wealth effect kicking in (I know there are many on this board doing much better than me though :wink: ). Maybe I just need a recession to bring me back to r...
by Tamarind
Thu May 18, 2017 6:55 am
Forum: Personal Finance (Not Investing)
Topic: Learning how to spend
Replies: 27
Views: 2599

Re: Learning how to spend

With that level of saving (40% or higher), I bet there's a thing that you want and would enjoy that you are denying yourself. Take a little time to identify one thing. A vacation? Amazing dinners with loved ones, whether home cooked or out? Concerts or performances or sporting events​? Supporting a ...
by Tamarind
Sat May 13, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Unique HSA/HDHP Situation
Replies: 12
Views: 1126

Re: Unique HSA/HDHP Situation

Not a bad situation given you have an expensive chronic condition. Don't worry about getting the money out of the HSA. Eventually you are likely to have other medical needs, Medicare premiums, the program you're benefiting from will change, your job or insurance will change etc. Even if none of thos...
by Tamarind
Sat May 13, 2017 5:55 am
Forum: Personal Finance (Not Investing)
Topic: Interested in lake property
Replies: 36
Views: 3932

Re: Interested in lake property

In contrast to most respondants, I've seen this go very well. Here's the catch: the family that happily did this purchased their land and then waited until they were ready to retire to build. They financed the lake house primarily with proceeds from selling their primary residence. They knew what th...
by Tamarind
Thu May 11, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with new offer Vs. current position
Replies: 12
Views: 1421

Re: Struggling with new offer Vs. current position

Certainly you should work to keep good ties with your mentors, but if they aren't helping you grow at your current company, them you leaving is an obvious and positive result of their efforts. As long as you are certain you want to manage people, I'd say take the new job that offers both salary and ...
by Tamarind
Wed May 03, 2017 5:57 am
Forum: Personal Consumer Issues
Topic: HOA vs No-HOA
Replies: 53
Views: 3450

Re: HOA vs No-HOA

If you're inclined to worry about HOA style things (grass, paint colors, laundry lines, chickens, etc), maybe best to purchase in an HOA. You'll feel better and your neighbors will be less annoyed that you moved in. Near me essentially all non-luxury new housing is in HOAs. I looked a long time to f...
by Tamarind
Wed May 03, 2017 5:36 am
Forum: Personal Consumer Issues
Topic: Where to Live on $60K or Less a Year?
Replies: 242
Views: 24649

Re: Where to Live on $60K or Less a Year?

I'll throw in a +1 for the NC locations mentioned. Get a little altitude and the summer temps won't be so bad. But it sounds like you need to do some slow traveling. Visit your top 10 for a couple of weeks each then cut the list and repeat for longer stays until you find the place you don't want to ...
by Tamarind
Wed May 03, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Are we (nearly) ready to retire?
Replies: 32
Views: 3257

Re: Are we (nearly) ready to retire?

Numbers look pretty good. How solid is that expense estimate and what did you include in it? Could you shave 20k off it in a very bad year? Could you stand to move to a LCOL area if something went wrong after executing this plan (for example if he was unable to generate income)?
by Tamarind
Tue May 02, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Bigger home guilt or bad idea
Replies: 15
Views: 2170

Re: Bigger home guilt or bad idea

You can afford it but may not need it. Is the primary reason "nicer" or "bigger"?
by Tamarind
Tue May 02, 2017 6:55 am
Forum: Investing - Help with Personal Investments
Topic: Buying Individuals Stocks In A Roth IRA?
Replies: 7
Views: 1000

Re: Buying Individuals Stocks In A Roth IRA?

Yes, provided you've got the brokerage account version at Vanguard. If you've had the Roth a long time you might have to hit the upgrade button.

I haven't done this at Vanguard as I quit messing with individual stocks but at TDAmeritrade where I used to hold my Roth I initially had nothing else.
by Tamarind
Tue May 02, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Buying CDs each month for decades
Replies: 13
Views: 2685

Re: Buying CDs each month for decades

Seems excessively fiddly. Why not do it quarterly or annually?

I'm assuming the example uses brokered CDs rather than new issue because that's the only way to access them in a tax deferred account. If that's not why then it's both excessively fiddly AND tax inefficient.
by Tamarind
Sat Apr 29, 2017 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: Am I missing something when it comes to CDs?
Replies: 3
Views: 630

Re: Am I missing something when it comes to CDs?

There is a quite small but non-zero risk that the issuing bank will change their terms, either increasing the penalty or declining to let you break it. That's it.
by Tamarind
Wed Apr 26, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: $300+ to remove a racoon. Really?
Replies: 83
Views: 5055

Re: $300+ to remove a racoon. Really?

Price sounds fair. Compares well to what I paid to have a nest of squirrels removed from the attic crawl. The main things you are paying for: 1) Time to monitor traps and ensure no nasty smells because you didn't get them all. 2) Arrangements to relocate or humanely dispose of animals. In many juris...
by Tamarind
Mon Apr 24, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: First Mortgage, need help with financial considerations (15 vs. 30 year)
Replies: 24
Views: 2116

Re: First Mortgage, need help with financial considerations (15 vs. 30 year)

I would do the 15-year....actually I did, with basically identical value, loan amount etc. I had much lower income at the time, and it was tough, but it's so nice now to realize I'll be done with the mortgage in just 8 years.
by Tamarind
Mon Apr 24, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: DIY Yard Tick Spray?
Replies: 32
Views: 1746

Re: DIY Yard Tick Spray?

You can even apply permethrin treatments directly to your puppy (be careful about dosage while they are small) which is better than spraying your yard as what will kill ticks will kill a wide variety of other invertebrates. You can get this as "kennel dip". I use these products to treat cl...
by Tamarind
Sun Apr 23, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Terminal Cancer Diagnosis for 5 year old: What would you do?
Replies: 32
Views: 5763

Re: Terminal Cancer Diagnosis for 5 year old: What would you do?

In addition to meals, there are a number of community sites like CaringBridge that aim to help distribute other helping tasks and make distributing info easier. For instance, parents can set up a schedule of things they need done (laundry, cleaning, pet care, child care, rides, etc, anything that wi...
by Tamarind
Sat Apr 22, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should some professions tell people how much they make?
Replies: 39
Views: 5074

Re: Should some professions tell people how much they make?

No one will care about your scholarships. You've graduated; you shouldn't either. The prestigious universities don't really matter much anymore either. Once you're a couple years removed from school most folks couldn't care less where you graduated from. Stanford graduates a few idiots or slackers,...
by Tamarind
Thu Apr 20, 2017 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford to purchase this new house?
Replies: 13
Views: 1406

Re: Can we afford to purchase this new house?

Two thoughts: 1) I know nothing about AMT, but expect that it's unlikely OP has enough deductions to worry about it pre-mortgage. Does anyone who is familiar with AMT calculations know if they need to model what effect that mortgage interest deduction will have? 2). The forever home narrative is att...
by Tamarind
Wed Apr 19, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Year old New Investor Needs help- Vanguard Index Funds
Replies: 47
Views: 4012

Re: 29 Year old New Investor Needs help- Vanguard Index Funds

Great advice and will do. And if i want to make money for now as in increase my total revenue- would you suggest i pick something else other than investing in index funds like vanguard? My plan was to have my TDA for retirement and invest in index funds now to earn some cash on top of my income.. I...
by Tamarind
Wed Apr 19, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7255

Re: Did anything surprise you in your 2016 taxes?

So either the 2015 tax return got lost in the mail, or when the IRS got it and saw the net was $0 owed, they decided to not enter it into their system?? Perhaps, but more likely that it just got randomly skipped. I think paper returns are all scanned. I would be surprised if a person looks at the r...
by Tamarind
Wed Apr 19, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6141

Re: 27yr curious about my investment personel and strategy

Edited for brevity. Also I'd love to start some Discussions again on Funds and Allocation that would be suggested in a simple portfolio (3-4 fund portfolios could work, or maybe slightly more than that. Would love to hear thoughts ) Regarding portfolios, wouldn't it be nice to have something absolut...
by Tamarind
Wed Apr 19, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 33
Views: 3537

Re: All in with Balanced Index fund

I advised my parents who are approaching retirement to hold only VBIAX (Balanced Admiral). They are too scared of currency fluctuations to want international. I didn't feel the point was worth arguing, since the goal was to get them to reduce stocks in AA and remove temptation for my dad to market t...
by Tamarind
Tue Apr 18, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: 27yr curious about my investment personel and strategy
Replies: 60
Views: 6141

Re: 27yr curious about my investment personel and strategy

So! The Conversation has been had, and the process of having the 3rd party money management firm and my advisor removed from my fidelity account is in process. ( They said it takes a few days to finalize it all) Still need to make a couple decisions on my Indexed Universal Life insurance plan.. But...
by Tamarind
Tue Apr 18, 2017 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Starting "web site business". Need an LLC?
Replies: 20
Views: 1780

Re: Starting "web site business". Need an LLC?

Personally I wouldn't start an LLC for a business like that, but I did start one for a business where my clients faced unlikely risk of serious physical injury. The business also carried liability insurance. However, sounds like you need to do a LOT of reading and learning, OP. It has rarely happene...
by Tamarind
Tue Apr 18, 2017 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7255

Re: Did anything surprise you in your 2016 taxes?

I recieved partial reimbursement from my county Soil and Water Conservation District for installing a rainwater retention system at my home. County website was aimed at farmers but program available to all residents with erosion problems. I didn't realize until the 1099g arrived that reimbursement w...
by Tamarind
Tue Apr 18, 2017 7:02 am
Forum: Personal Consumer Issues
Topic: Is my electric bill high?
Replies: 60
Views: 5678

Re: Is my electric bill high?

Mine averages $60.00 in the winter and $100-110 in the summer (due to AC). I live in NC. ETA: I have a 1500 sq foot house. My situation is very similar to this (also on gas heat) and I'll note that my home is relatively poorly insulated. In SoCal, it makes sense that you would seldom use AC, but if...
by Tamarind
Sun Apr 16, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my children's inheritance
Replies: 33
Views: 2949

Re: How to invest my children's inheritance

If it were me I'd go with 100% VT (Vanguard Total World Stock Index). You don't need the money, and your kids shouldn't be counting on it, so you have no particular time horizon. VT gives you the broadest possible cap weighted index with no need to rebalance, and pretty tax efficient too, at 11bps c...
by Tamarind
Fri Apr 14, 2017 1:49 pm
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 4626

Re: What do you do with your coins?

I keep a few small international coins as keepsakes from travel. I'm fond of pre-euro national currencies, but no targeted collection. GF enjoys collecting circulated US coins so she goes through all the loose change in case there's a state quarter she hasn't got yet, old dimes and pennies, etc. The...
by Tamarind
Fri Apr 14, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA as Part of Emergency Fund
Replies: 20
Views: 1608

Re: HSA as Part of Emergency Fund

Only insofar as the emergency is medical in nature.

I would probably liquidate it at some point for a non-medical emergency but it would be well past emergency as I'd have cleaned out the Roth contributions first...

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