Search found 507 matches

by Teague
Mon Apr 24, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

For those who think they would/could/should modify a poor supervisor's behavior, to their benefit, I propose the following simple next step:

Try it, and let us know how it goes.
by Teague
Mon Apr 24, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: Becoming a homeowner/landlord in a college town?
Replies: 26
Views: 1774

Re: Becoming a homeowner/landlord in a college town?

I have done this and have had mixed experiences. It is not always awful. With undergrads, I prefer a two year lease to make it worth the effort. You can PM me if you want details. I do one year leases and they pay for the summers and manage that somehow. For any currently renting undergrads reading...
by Teague
Sun Apr 23, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way checklist
Replies: 16
Views: 1072

Re: Baby on the way checklist

Get a decent camera, not your cell phone, and take a little time to learn to use it.
by Teague
Sat Apr 22, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 33
Views: 1739

Re: National Parks in Northern CA

The missing piece is where you are picking up the rental car. Flying into San Francisco? Sacramento? Fresno? Something else entirely? Presumably dropping the car off at the same place?
by Teague
Fri Apr 21, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 1200

Re: White Gold ???

Lithium carbonate Fun website, identifies all those "mystery" stocks newsletters tout in their subscription pitches: https://www.stockgumshoe.com/reviews/energy-advantage/sniffing-out-kent-moors-obl-superfuel-whats-the-white-gold-1693x-more-powerful-than-gasoline/ Wow, reading that link i...
by Teague
Fri Apr 21, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS refund today!
Replies: 42
Views: 2945

Re: IRS refund today!

On the other hand, they have probably owed you some of that money for over a year.
by Teague
Fri Apr 21, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

For the past few years we have received an "engagement survey" conducted by a third-party survey company, that supposedly aggregates and anonymizes our responses to questions like "do you have the resources needed to do your job" and "do you have a best friend at work."...
by Teague
Fri Apr 21, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I am so glad I am done with corporate culture. Never going back unless I absolutely have to. I can hardly wait myself. For the past few years we have received an "engagement survey" conducted by a third-party survey company, that supposedly aggregates and anonymizes our responses to quest...
by Teague
Thu Apr 20, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1283

Re: About lawn sprinkler sytem

Texanbybirth wrote:


Nice, thank you for sharing this website.


You're very welcome. I consider it one of the true gems of the Internet.
by Teague
Thu Apr 20, 2017 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

I have had two terrible bosses, so bad that people dreaded coming into work. A bad boss can definitely make it hard to do one's job. I don't think anyone would disagree with you on this. I think the issue is whether the subordinate employee can effectively modify the bad boss's behavior to the bene...
by Teague
Thu Apr 20, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1283

Re: About lawn sprinkler sytem

4) As for sprinkler heads and drip equipment, big box stuff is fine to start with. You'll develop a preference later on if you really get into it. Agreed. Just to note, there is one component where one is kind of locked in to their original choice. As you note, good valves are important. Residentia...
by Teague
Thu Apr 20, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: About lawn sprinkler sytem
Replies: 16
Views: 1283

Re: About lawn sprinkler sytem

This subject is a little like investing: once you know enough to ask the right questions you might just decide to do it yourself. The link below is for DIY (and professionals) and is full of good information. 15 years ago I used it to design and install 2 large yards and other irrigation, and it all...
by Teague
Thu Apr 20, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Whether a bad boss may benefit from constructive criticism is not relevant to the subordinate worker. Such attempts at manager rehabilitation will not benefit the subordinate worker, and will likely do the opposite, sometimes to the extreme. There is a saying: "Never try to teach a pig to sing....
by Teague
Wed Apr 19, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

OP, you may indeed feel there are "bullying, intimidation tactics, hostile environment, etc." Please understand these are not uncommon, not illegal (with very few specific exceptions for certain extreme behavior) and you are likely to encounter this sort of thing at various points in your ...
by Teague
Wed Apr 19, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first post. I've been a long time lurker and have always appreciated the collective wisdom of Bogleheads! ... Because nothing remains a secret for long in a...
by Teague
Wed Apr 19, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Why never speak badly about boss? [Need Bogleheads' wisdom]
Replies: 110
Views: 8988

Re: Why never speak badly about boss? [Need Bogleheads' wisdom]

Ok, so a recent thread and the responses in it were so highly intriguing to me that I felt compelled to post. I'm an introvert, and this is my first post. I've been a long time lurker and have always appreciated the collective wisdom of Bogleheads! ... Because nothing remains a secret for long in a...
by Teague
Wed Apr 19, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 82
Views: 6211

Re: Did anything surprise you in your 2016 taxes?

Yes, this was the first year I owed a significant amount. Here's why, I now realize: - I refinanced the house, and had paid less deductible mortgage interest. Also, this led me to bundle deductions alternate years, and this filing was an off year (fewer deductions this year, but increased deductions...
by Teague
Wed Apr 19, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

In my case, my monthly pension income would be $6500 with no contingent annuitant named. Should I name the 14 year old child as contingent annuitant, my monthly pension income would be $5500, and the child would receive $3000 per month for life after I die. I don't know how the above statement can ...
by Teague
Wed Apr 19, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

OP, is there any chance of you having another child? If so, this situation could get extremely ugly. On another front, is it possible for the joint annuitant's pension payments to go into some sort of trust? I have no idea if that can be legally valid, but if so that might be a way to mitigate some...
by Teague
Wed Apr 19, 2017 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

I can easily afford to chose this option. Reading between the lines would suspect that in pretty much any scenario the kid will likely get a large inheritance some day even you don't choose the pension option. If not then you should not take the reduced the pension. If so then they might get a larg...
by Teague
Tue Apr 18, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

Thank you all, with a special Order of Arithmetic Wizardry medal (with clusters) presented to #Cruncher for service far above and beyond the call of duty. I do apologize for rounding some of the numbers I quoted; I never expected such a comprehensive analysis! Yet again the denizens of this forum am...
by Teague
Mon Apr 17, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: How to be a good parent to an introverted kid
Replies: 29
Views: 2422

Re: How to be a good parent to an introverted kid

You may find that at some point he will push himself out of his "comfort zone" if he feels he needs to do that to get what he wants. But I don't think most folks, these days, see introversion as something that should be "fixed." For one thing, it can't be fixed, mostly because no...
by Teague
Mon Apr 17, 2017 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

Thanks to all for the input. I think I'd better head over to the consumer issues section now and look for a deal on crystal balls. If I could simply determine future events my job would be much easier.
by Teague
Mon Apr 17, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 127
Views: 11169

Re: Do you have an umbrella policy?

deltaneutral83 wrote:So what happens in an unfortunate auto situation where you are at fault and the other car had 4 "high earners." They'd blow right through 10 million?


Which is why I avoid driving anywhere near congregations of newly boarded neurosurgeons and orthopedists. :wink:
by Teague
Mon Apr 17, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

^ Thank you. Along the way I did modify my request and ask for an actuarial analysis, since until your post no one suggested the survivor income would be a problem. But that is indeed exactly what I was initially concerned about. Warren Buffet said something like he's leaving his kids enough so they...
by Teague
Mon Apr 17, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: ROI for Boat Repair Project
Replies: 11
Views: 818

Re: ROI for Boat Repair Project

Having dealt with some boats over the years, I'd love to get in on the action, but only if I can go short.
by Teague
Mon Apr 17, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

From an accturially standpoint it's amazing! Can't believe they offer that good of a deal. Just teach your child it might disappear if state funding models change. I might not tell the child until you are older/sick What??? From an actuarial standpoint, it would only work if you look at what the pe...
by Teague
Mon Apr 17, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

From an accturially standpoint it's amazing! Can't believe they offer that good of a deal. Just teach your child it might disappear if state funding models change. I might not tell the child until you are older/sick How much of a reduction in your pension for the 50% child survivor choice? Like oth...
by Teague
Mon Apr 17, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

JGoneRiding wrote:From an accturially standpoint it's amazing! Can't believe they offer that good of a deal. Just teach your child it might disappear if state funding models change. I might not tell the child until you are older/sick


This is good advice, thank you.
by Teague
Mon Apr 17, 2017 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

From an accturially standpoint it's amazing! Can't believe they offer that good of a deal. Just teach your child it might disappear if state funding models change. I might not tell the child until you are older/sick How much of a reduction in your pension for the 50% child survivor choice? Like oth...
by Teague
Mon Apr 17, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

Well, since no one seems to think this is a bad idea to include the child as a contingent annuitant from a developmental perspective, I'll ask if this is a good deal from an actuarial standpoint. Thanks to any who may be willing to to analyze this aspect; I'm admittedly not very good with that sort ...
by Teague
Mon Apr 17, 2017 11:55 am
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Re: Pension option-Should I include child?

I've never heard of a pension plan that would pay out a lifetime survivor benefit to a child. It doesn't seem like a financially sustainable model. For example, my state pension plan has this note regarding all the survivor options: "This option is not available if your named survivor is more ...
by Teague
Mon Apr 17, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Pension option-Should I include child?
Replies: 33
Views: 2010

Pension option-Should I include child?

Greetings all, In a couple of years I will retire and must decide on pension options then. My question is not numerical, it is philosophical. There is no spouse involved. I do have a child (14 years old.) I can opt to have this child receive 50% of my pension benefit once I expire. They will receive...
by Teague
Sat Apr 15, 2017 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 127
Views: 11169

Re: Do you have an umbrella policy?

I've got umbrella insurance. One of the underappreciated things, as I understand it, is that umbrella insurance can act similar to substantial legal insurance, as well as covering your liability insurance. Should the random bad thing happen and you are sued for a large sum, the umbrella company tend...
by Teague
Sat Apr 15, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: What do you do with your coins?
Replies: 76
Views: 3917

Re: What do you do with your coins?

Pennies may be nearly worthless, but they are far from useless. When installing a new toilet, they make great shims to level the fixture. Both the older copper ones and the newer zinc ones resist corrosion well, and of course they are durable. (I got this tip from a plumber.) I installed a few dry-w...
by Teague
Wed Apr 12, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Week in San Diego - What to do?
Replies: 35
Views: 2214

Re: Week in San Diego - What to do?

Many good suggestions already. I might add:
Cabrillo Monument, at low tide (for the tide pools).
Sunset Cliffs for a sunset, bring a picnic if you like.
by Teague
Mon Apr 10, 2017 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term budgeting for health insurance premiums: Percentage increase?
Replies: 3
Views: 317

Re: Long-term budgeting for health insurance premiums: Percentage increase?

Fidelity's retirement calculator currently launches with this notice:

"Based on new economic projections, we’ve lowered the annual inflation rate we apply to health care expenses from 7% to 5.5%. As a result, you may see that your retirement analysis has improved."
by Teague
Sun Apr 09, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: I have a car loan. Can I pay off the loan without penalty?
Replies: 28
Views: 1802

Re: I have a car loan. Can I pay off the loan without penalty?

Of all the of the people involved in the purchase of a vehicle, the finance person is the one I trust the least. Agreed. My concerns with the F&I person are: 1) There is no reason to believe they are more ethical than anyone else at the dealership, and, 2) They are the employee who actually kno...
by Teague
Fri Apr 07, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: HVAC H-E-L-P! Water leaking from intake (return)
Replies: 12
Views: 518

Re: HVAC H-E-L-P! Water leaking from intake (return)

You might try an old trick for leaking boats. If you can temporarily access the areas inside the ducts and unit that should be dry, coat them with some sort of spray powder. Deodorant, foot powder, doesn't really matter much what it is. Then recheck after a rain, and the change in the even powder co...
by Teague
Wed Apr 05, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2202

Re: best place to keep $20k for 2 years

My 18 yr old son is leaving home for 2 years doing church service internationally, so I am going to sell his car (2015 VW GTI, purchased used 2 yrs ago with cash) and buy another one when he returns. I would like to sequester the sales proceeds to use on another car when he gets back by investing i...
by Teague
Wed Apr 05, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2596
Views: 676244

Re: What Movie Have You Recently Watched?

Get Out, very deep. I need to see it again. +1 Great plot. Excellent acting. Anyone reading this that want to see the movie.. don't watch the trailer. Gives away too much. I did go see it twice and that was worthwhile. Reaction the first time: "Oh, wow, geez! Gotta think about this a little.&q...
by Teague
Tue Apr 04, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I get fair advice?
Replies: 12
Views: 1184

Re: Where can I get fair advice?

Fair advice is available, but is pretty rare compared to bad advice, though far more common than good advice. The thing is, once you understand enough to know if you are being ripped off - and you really should know at least that much - you know more than enough to just do it yourself. It really sho...
by Teague
Tue Apr 04, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: fraud or BoA mistake?
Replies: 14
Views: 1556

Re: fraud or BoA mistake?

A few possibilities come come to mind- 1. If the landlord is larger than a one-person operation, one part of the operation hasn't caught up to what some other part of the operation is currently doing. 2. The checks were intercepted and altered. 3. One BofA computer doesn't know what another BofA com...
by Teague
Mon Apr 03, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Law school-most cost efficient, yet quality, way to get Real Estate law degree?
Replies: 37
Views: 2476

Re: Law school-most cost efficient, yet quality, way to get Real Estate law degree?

It could be a steppingstone to a career in hi-fi and TV retail sales. Years ago I knew a guy who took just that path. (Great salesman who came in second only to our star salesman, who had a DDS degree.)
by Teague
Mon Apr 03, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Verbal abuser at work
Replies: 37
Views: 2606

Re: Verbal abuser at work

You have the right to tell HR representative when you are being abused. True. Unfortunately, HR has the right to ignore you, or report you back to the problem manager, who in turn has the ability to make your life so miserable that you are forced to quit. Remember, your organization has already dec...
by Teague
Sun Apr 02, 2017 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to remove DELINQUENCY from credit report?
Replies: 27
Views: 1740

Re: How to remove DELINQUENCY from credit report?

I also think you are stuck with this until it drops off after x number of years of being non-delinquent. Could be worse - people co-sign for houses for others with the same result, just add a few zeros to the amount you'd be on the hook for.
by Teague
Fri Mar 31, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 95
Views: 7623

Re: Best take it everywhere camera

A really uninspiring pair of photos that offer an extreme demonstration of the same foreground framing, but completely different perspective: Wide angle (zoomed in by walking up close) http://patrickshannon.com/wp-content/uploads/2015/09/7V1B1359-1.jpg Telephoto (zoomed out by walking back away) ht...
by Teague
Fri Mar 31, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Best take it everywhere camera
Replies: 95
Views: 7623

Re: Best take it everywhere camera

Many purists say "zoom with your feet" but sometimes, you can't. Even if you're not physically limited from doing so, "zoom with your feet" means neglecting perspective, which can radically alter the overall composition. It's something you do with prime lenses to a limited degre...

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