Search found 1681 matches

by adamthesmythe
Wed Jan 17, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: How to overcome the fear of spending money? (Buying a car)
Replies: 24
Views: 1114

Re: How to overcome the fear of spending money? (Buying a car)

Does 30K really make much of a difference? What's better, a few months earlier retirement or the wind in your hair now? (I'm assuming here that you are financially responsible, no credit card debt, and maxing you tax-deferred options). A Miata is not a particularly extravagant car, it does not cost ...
by adamthesmythe
Wed Jan 17, 2018 6:22 pm
Forum: Investing - Theory, News & General
Topic: What to adjust now if not leaving a legacy?
Replies: 10
Views: 641

Re: What to adjust now if not leaving a legacy?

>You could replace some of your bonds with SPIAs. This is basically the answer. Most of us would only partially annuitize, which would give (at age 65+) an income 6-7% of the amount annuitized. So you could annuitize 2/3 of your portfolio, have 4+% of your TOTAL portfolio per year, and still have 1/...
by adamthesmythe
Wed Jan 17, 2018 4:01 pm
Forum: Personal Consumer Issues
Topic: London/Paris Trip Questions
Replies: 29
Views: 822

Re: London/Paris Trip Questions

1. Is it cheaper to purchase plane tickets and book the hotel online (e.g. Travelocity, Expedia etc.)? Or should I look for a travel agent here in the US to help. This is an easy trip to book yourself. 2. Should I exchange the money here in the US before my trip? I heard it is more expensive to do i...
by adamthesmythe
Tue Jan 16, 2018 11:53 pm
Forum: Personal Consumer Issues
Topic: Travel to Rome Italy - Recommendations
Replies: 17
Views: 848

Re: Travel to Rome Italy - Recommendations

The Vatican museums and the Sistine Chapel (I seem to remember the same ticket??) are well worth getting tickets in advance. Lines can be very long although it might be less of a problem in February. The Pantheon was free although I think I heard there was some plan to have a fee?? St Peters was a w...
by adamthesmythe
Tue Jan 16, 2018 9:34 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 2545

Re: AirBnB my Van?

F150HD wrote:
Tue Jan 16, 2018 4:32 pm
still curious where they'd be going to the bathroom during the night and in the AM. :D
A portalet would do it. A crystal vase with a fresh flower will make a nice photo.
by adamthesmythe
Tue Jan 16, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 52
Views: 3228

Re: Anyone pondering moving to a cheaper place and downsizing?

Thousands of people apparently enjoy it. I've heard that the ex-pat community in Southeast Asia is surprisingly large. I know what they are looking for there. :?: There are inexpensive options for...entertainment...of retired....men...even if some of those opportunities are not quite what they seem...
by adamthesmythe
Tue Jan 16, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 95
Views: 5699

Re: Hot Water Delay at faucet/shower far from water heater

I have a 4,600 sf house that had the same issue in the master bathroom...a recirculating pump solves the problem....mine is way older than 7 years and has had absolutely no problems...I recently plugged it into a tp link smartplug which is set to power off from 11PM to 6AM...I think the electricity...
by adamthesmythe
Tue Jan 16, 2018 6:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone pondering moving to a cheaper place and downsizing?
Replies: 52
Views: 3228

Re: Anyone pondering moving to a cheaper place and downsizing?

I bought the retirement house early, paid off the mortgage, and sold my northeast US house upon retirement. It provided a nice addition to my retirement funds but wouldn't have been necessary.

In addition to being cheaper I have a wide range of all-year outdoor activities.
by adamthesmythe
Tue Jan 16, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Friend Got Laid Off - Advice Needed
Replies: 45
Views: 4355

Re: Friend Got Laid Off - Advice Needed

I am puzzled when people say the cloud is making software engineering obsolete. The unemployment in Colorado for high tech is right around 2 to 3%. There are a ton of jobs if you are able to sling code. Layoffs suck. That being said, $100K is not a huge sum from a salary perspective and he can very...
by adamthesmythe
Tue Jan 16, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Engineering To Consulting Transition
Replies: 8
Views: 555

Re: Engineering To Consulting Transition

The good news is that someone else (the VP?) will be doing the sales- coming up with consulting jobs.

The bad news is that you are dependent on someone else to do the sales job.

Seems to me that future employment (and indeed survival of the firm) depends on sales.
by adamthesmythe
Mon Jan 15, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 18
Views: 1256

Re: TSA locks for luggage

I never put anything valuable in check baggage so I have never worried about having it stolen. To be honest late or lost baggage is much more common and much more of an annoyance. I take what I cannot absolutely do without in carryon bags. I also take essentials in case my bags are delayed a day or ...
by adamthesmythe
Sun Jan 14, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 96
Views: 5033

Re: Looking for a reasonably priced, safe international destination

Consider southern Arizona. Tucson is very foreign to Baltimore, due to the low desert surrounded by rugged high mountains, bright sunshine, and mid-day warmth. The Sonoran Desert Museum (arboretum and desert animal zoo with some imitation natural enclosures), takes most of a day to see it well. Go ...
by adamthesmythe
Sun Jan 14, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 96
Views: 5033

Re: Looking for a reasonably priced, safe international destination

FWIW the US Dept. of State has a new system of travel advisory. It is a four point scale from 1 most safe to 4 dangerous. It is posted country by country here: https://travel.state.gov/content/dam/NEWTravelAssets/pdfs/Travel%20Advisory%20Country%20List%20Alphabetical%201-10-18%20VERT.PDF Note Nethe...
by adamthesmythe
Sun Jan 14, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 96
Views: 5033

Re: Looking for a reasonably priced, safe international destination

Holland or Denmark.

However- the "safe" in your title suggests you may be particularly antsy. All of northern Europe would be considered "safe" by most, indeed almost all of western Europe. Safer than the US, anyway.

BTW, Iceland is very pricey, even compared to other parts of Scandinavia.
by adamthesmythe
Sat Jan 13, 2018 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Consulting side gig while at mega corp
Replies: 25
Views: 2112

Re: Consulting side gig while at mega corp

Depends on what you signed... most of the time you would have to have signed something that says your mega-corp owns any ip developed by you etc. SOME will let you do stuff after hours, some will not. I expect this is addressed in those papers that you signed without reading very carefully. Asking ...
by adamthesmythe
Sat Jan 13, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: HMO Blue vs. Preferred Blue PPO
Replies: 10
Views: 506

Re: HMO Blue vs. Preferred Blue PPO

I guess the drawback would be if the PCP couldn't been seen promptly, delaying the referral to a specialist. This system makes the PCP the manager/general contractor for all of the patient's health care. Will this be a problem? It's a definite maybe, it's not a problem until it's a problem. I have ...
by adamthesmythe
Sat Jan 13, 2018 1:43 pm
Forum: Personal Consumer Issues
Topic: Will never not upgrade Business travel again
Replies: 21
Views: 2855

Re: Will never not upgrade Business travel again

I'd also do it for long flights over 2 hrs for $100 each way. Unfortunately, usually when I want to upgrade, it's like $350+ each way to upgrade! Yes, it all depends on circumstances and cost. But I'm not going to tell my secretary to always put me in first. 'cause I don't have that much money, and...
by adamthesmythe
Fri Jan 12, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Strong Nearsighted Glasses - Tips Requested
Replies: 10
Views: 596

Re: Strong Nearsighted Glasses - Tips Requested

Not sure where the two weeks gets in there. But if you bought something on the advice of the seller, seller says it is returnable, and you don't like it- then return. I don't know if you NEED an AR coating although it may help. One more thing to reduce the visual impact is to polish the edges (doesn...
by adamthesmythe
Fri Jan 12, 2018 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Resource on good financial practices for a graduate student?
Replies: 17
Views: 531

Re: Resource on good financial practices for a graduate student?

Graduate students don't make enough for any significant savings. You are also unlikely to make a significant dent in your student debt. The thing is to avoid taking on any more debt, do well, finish, and get a solid job. Of what you are able to save, consider making carefully-targeted investments in...
by adamthesmythe
Thu Jan 11, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4588

Re: A half year off at full pay or a full year off at half pay?

No wonder tuition has gone through the roof... I cannot believe that a percentage of the money I send to my kid's college is being given to professors who are "taking a year off with half-pay and full benefits". Ridiculous. That said, if my employer offered me that deal, I would take the full year ...
by adamthesmythe
Thu Jan 11, 2018 3:47 pm
Forum: Personal Consumer Issues
Topic: Antarctica [anyone traveled there?]
Replies: 34
Views: 2707

Re: Antarctica [anyone traveled there?]

Haven't been yet, but since I have been to the Arctic I want to go the other place too.

For me, it will be desirable to be on a smaller ship with as many shore excursions as practical.
by adamthesmythe
Thu Jan 11, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: anything to buy to save on taxes
Replies: 9
Views: 985

Re: anything to buy to save on taxes

I used to get flyers suggesting that I buy a Land Rover something-or-other for my business. (For some reason they thought I had a business).

Made me think: is this a vehicle that can only be sold to those who don't have to pay the cost of ownership?
by adamthesmythe
Thu Jan 11, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7933

Re: Kodakcoin

"Utilising blockchain technology, the KodakOne platform will create an encrypted, digital ledger of rights ownership for photographers to register both new and archive work that they can then license within the platform ," Kodak explained. I am amazed at how much mis-information there is in this th...
by adamthesmythe
Thu Jan 11, 2018 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding being priced out in Los Angeles by buying the stock market
Replies: 18
Views: 2993

Re: Avoiding being priced out in Los Angeles by buying the stock market

> Does this mean that if you're interested in buying a home in LA and are concerned about rising prices, buying more stock could be an effective strategy rather than buying a home sooner than you really need the space? Not exactly. If you have a mortgage you have leverage. Few people, especially in ...
by adamthesmythe
Thu Jan 11, 2018 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1553

Re: How to pay for a new kitchen and dinning room

How on earth could it cost $100K to remodel a kitchen and dining room? I'm not sure how you would even remodel a dining room, other than new paint/carpet/furniture. That sounds like about $3K - $4K tops. I can't imagine spending the 25% of the value of a home/land on upgrading one room in the house...
by adamthesmythe
Wed Jan 10, 2018 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay for a new kitchen and dining room
Replies: 26
Views: 1553

Re: How to pay for a new kitchen and dinning room

When I did it in my first house I took out a second mortgage.

I never thought of asking Dad, either for advice or in hopes of getting a gift.
by adamthesmythe
Wed Jan 10, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7933

Re: Kodakcoin

Didn't Paul Simon do a song about this way back when? Are there any schemes combining multi-level marketing and cryptocurrency yet? If not, that must be next. Bitconnect. It's advertised on YouTube a lot. http://behindmlm.com/mlm-reviews/bitconnect-review-bitconnect-coin-pump-dump-with-ponzi-rois/ ...
by adamthesmythe
Wed Jan 10, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Retiring Extremely Early-Domestic Wellesley or Half Global, Half Domestic Wellesley Better for my Bonds?
Replies: 55
Views: 6534

Re: 25 Year Old Retiring Extremely Early

In five years you will (likely) be a completely different person with completely different concerns. Stay the course. Sock money away. Revisit in five years if you don't have a spouse and kids who help you decide to keep working. I think this is the biggest issue. You can only guess what your taste...
by adamthesmythe
Wed Jan 10, 2018 10:32 am
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 7933

Kodakcoin

Maybe more evidence for the cryptocurrency bubble https://www.theverge.com/2018/1/9/16869998/kodak-kodakcoin-blockchain-platform-ethereum-ledger-stock-price The interesting things for me are (1) Kodak was once a very real company and (2) there seems to be a realworld application onto which blockchai...
by adamthesmythe
Tue Jan 09, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: retiree health ins - how to propose to Employer?
Replies: 39
Views: 1717

Re: retiree health ins - how to propose to Employer?

I have heard of employers that would allow coverage of a spouse after retirement under COBRA for more than the required 18 months. Doing this doesn't cost the employer much (you pay the full cost plus 2%, their only cost is any possible increase in insurance cost due to one more old beneficiary). BU...
by adamthesmythe
Mon Jan 08, 2018 8:58 pm
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 95
Views: 5699

Re: Hot Water Delay at faucet/shower far from water heater

> As a bonus, I find I get plenty of circulation without the pump even being powered up!! I still get instant hot water! This will work in a two-story house, because hot water rises. Indeed, my first house had a hot-water furnace with no circulation pump. Nice thing about the system is that it was d...
by adamthesmythe
Mon Jan 08, 2018 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: home inspection on house I already live in?
Replies: 22
Views: 1903

Re: home inspection on house I already live in?

The way it is done- you make the offer with an inspection contingency. (Or with a due diligence period, depending on your state.) When the offer is accepted THEN you hire the inspector. If you're a renter you may not know about all the other things you should put in as contingencies, or inspect for ...
by adamthesmythe
Mon Jan 08, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Lowball offer on a home
Replies: 82
Views: 6881

Re: Lowball offer on a home

> I figure it would take $100k to bring this up to the equivalent house 2 doors down

Then you should buy the house 2 doors down, right?

My guess is...you make the lowball offer...they reject it angrily...and you get to move on to find something closer to your desires.
by adamthesmythe
Mon Jan 08, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 1925

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

....This is our first trip to Germany.... It sounds like a wonderful vacation! I don't have any destination or activity experience to share but I did want to pass on a "gotcha" a neighbor of mine came across two weeks ago. Germany has very strict rules about passports and even though my neighbor ha...
by adamthesmythe
Mon Jan 08, 2018 4:48 pm
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 1925

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

The Munich science museum is quite good. Salzburg is far enough and interesting enough to spend a night rather than traveling back to Munich. No opinions about the hotels. I choose from what's available on the travel websites. Be aware that there are few hotels near the airport, you will either get ...
by adamthesmythe
Mon Jan 08, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 95
Views: 5699

Re: Hot Water Delay at faucet/shower far from water heater

> This would use the cold water line as the water heater return path I did not realize OP was considering something like this! Sounds really weird. Recirculating systems installed during a build have a separate loop for the hot water. And if the builder has any sense the entire loop is insulated. > ...
by adamthesmythe
Mon Jan 08, 2018 10:51 am
Forum: Personal Consumer Issues
Topic: Frozen Pipes
Replies: 30
Views: 3401

Re: Frozen Pipes

Turn off the water supply to the dishwasher until a thaw, to prevent a flood if the line has been damaged. Open the DW and any adjacent cabinets to facilitate a thaw from room heat, assuming the room is heated. Does the sink near the DW flow properly? Yeah, what he said. And consider buying a porta...
by adamthesmythe
Mon Jan 08, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Rent a car for long trip or use my own
Replies: 25
Views: 1250

Re: Rent a car for long trip or use my own

Not again! This comes up every few months, and never gets resolved.
by adamthesmythe
Mon Jan 08, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 95
Views: 5699

Re: Hot Water Delay at faucet/shower far from water heater

> Solution: Install a hot water recirculation pump to the existing water heater/pipe system. I have such a system. It works. It costs $ because the heat loss from the loop is substantially greater than from the hot water tank. On the other hand without the recirculation you run the hot water for a l...
by adamthesmythe
Sat Jan 06, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: portable chargers for electronic devices
Replies: 33
Views: 1646

Re: portable chargers for electronic devices

You can get an inverter that will convert the car 12V to 120VAC. You can plug almost anything electronic into that for charging. I have one of these (somewhere). I had a converter that plugged into the cigarette lighter and had a USB output. When I connected it to my phone (1) it didn't charge and (...
by adamthesmythe
Thu Jan 04, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Moving company and expenses advice
Replies: 7
Views: 446

Re: Moving company and expenses advice

My job offers to help me move to my location. There is a cap and they will supposedly come review what I have and then create an estimate for moving the items. They offer full coverage during transport. Are there any issues to address or deal with? Any recommendations in terms of prep? We dont have...
by adamthesmythe
Thu Jan 04, 2018 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Ready for shellacking
Replies: 8
Views: 1643

Re: Ready for shellacking

"Bubble" is a loaded word. To me it means "price is bid up substantially substantially beyond intrinsic value."

Personally I suspect pot stocks and bitcoin ARE in a bubble. I think there is a good chance the overall stock market is not, and housing in many places is probably not.
by adamthesmythe
Tue Jan 02, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: anyone installing a hybrid gas heat system for heat?
Replies: 5
Views: 442

Re: anyone installing a hybrid gas heat system for heat?

The heat pump SHOULD have been sized so that it provides sufficient heat on most days and has sufficient electrical heaters to provide sufficient heat on very cold days. So either it was sized wrong or there is a malfunction. I hear that we are having unusually cold weather these days. I suppose you...
by adamthesmythe
Tue Jan 02, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: State unfunded liabilities and buying retirement home
Replies: 13
Views: 973

Re: State unfunded liabilities and buying retirement home

California is also notably active in income tax generation -- they may very well consider you to be a resident subject to income taxes if you own property here. You didn't say what part of California you're interested in, but you might want to consider hopping the border to Nevada... Yes, the incom...
by adamthesmythe
Tue Jan 02, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: State unfunded liabilities and buying retirement home
Replies: 13
Views: 973

Re: State unfunded liabilities and buying retirement home

Read about Prop 13. For decades CA has had strict limits on property tax increases. While a change is not impossible seems to me it would be very difficult. There are other reasons why it might be tough to buy in CA, including very high property values, and immediate high property taxes when they re...
by adamthesmythe
Sun Dec 31, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Car headlights or Daytime Running Lights - what do you do?
Replies: 62
Views: 3700

Re: Car headlights or Daytime Running Lights - what do you do?

Always headlights on, day or night.

I want to be seen, and any little bit helps.
by adamthesmythe
Sat Dec 30, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Top load washing machine
Replies: 11
Views: 1150

Re: Top load washing machine

Since parts are cheaply and quickly available on line, it's worth at least a casual attempt to trouble-shoot and repair.
by adamthesmythe
Sat Dec 30, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5739

Re: What is your threshold for paying down debt?

While there are extreme no-debt people here, personally I go for moderation. Sometimes debt is an investment in yourself, and can pay off big time. One reason to avoid debt is that it increases the number of payments that you have to make sure you don't forget. Or the number of hands in the pocket o...
by adamthesmythe
Sat Dec 30, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating Listing Agreement
Replies: 4
Views: 459

Re: Negotiating Listing Agreement

You're talking about undeveloped land where (1) showing to unqualified buyers is no inconvenience to you (2) sale is likely to be slow enough that you are unlikely to be negotiating with more than one buyer and (3) the financial status of a developer is more difficult to assess than an average joe l...
by adamthesmythe
Fri Dec 29, 2017 11:35 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9207

Re: I Want to Buy a Horrible, Expensive Car

1. I suppose you should post your portfolio so we can see whether you have Won The Game, And Large. 2. Ironic that a car called the Land Rover, with a heritage of being used, well, on the LAND, off the ROAD, is well known for poor reliability. Because when you are in the back country, you really DO ...