Search found 908 matches

by daveydoo
Sat Nov 18, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo Analysis VS Historical Rolling Periods
Replies: 24
Views: 1219

Re: Monte Carlo Analysis VS Historical Rolling Periods

nisiprius wrote:
Sat Nov 18, 2017 7:57 am
There are serious problems with everything.
+1
by daveydoo
Sat Nov 18, 2017 1:57 am
Forum: Investing - Theory, News & General
Topic: TSP Modernization Act Signed Into Law
Replies: 13
Views: 1528

Re: TSP Modernization Act Signed Into Law

Read this thread with a sense of relief -- from the title, I just assumed that "modernization" would mean privatization and conversion to a high-fee model!
by daveydoo
Sat Nov 18, 2017 1:55 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 64
Views: 3598

Re: Tesla truck unnveil

...Stunning car. Careful with all that power! Agree. All the wrong people will buy this car. Have seen hundreds of Teslas. Saw exactly one accelerating faster than a Toyota (it was an X, P100D -- and it was a sight). I guess 0-60 numbers get the well-heeled into the stores. A weenie driving a big-b...
by daveydoo
Fri Nov 17, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Car shopping tomorrow
Replies: 27
Views: 2011

Re: Car shopping tomorrow

Test drive in various conditions and road surfaces. Test drives tend to be a blur for me. I have to really focus on road noise, wind noise, ride harshness because of all the things taking your focus. +1. And if driving dynamics are important, read some car-mag reviews and make sure that you go to d...
by daveydoo
Fri Nov 17, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Is dent repair service worth it?
Replies: 17
Views: 1388

Re: Is dent repair service worth it?

...second, Is it realistic to think I will get the cost back with the trade-in? Thanks. I have not done this but have considered it. Sounds like whomever you would be selling to would have access to this same service for less (volume discount at the very least) and would be better equipped to gauge...
by daveydoo
Sun Nov 12, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 2830

Re: Bitcoin: Significance of 12 transactions per second?

There is basically a civil war within the Bitcoin community right now. I don't think anyone can truly know how it will shake out. If you are participating in the crypto market the safest thing to do is own both coins in proportion to their market cap so that you are agnostic as to which side wins T...
by daveydoo
Sun Nov 12, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Warm Shirt for Winter
Replies: 39
Views: 3610

Re: Warm Shirt for Winter

We are trying to keep our house at a reasonable temp in winter, and the last few winters I've really been cold in the house. This will sound dumb. It isn't. Go up a few flights of stairs (well, and then come back down -- I don't mean that it's warmer upstairs). I walk up seven flights of stairs to ...
by daveydoo
Sun Nov 12, 2017 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 2830

Re: Bitcoin: Significance of 12 transactions per second?

There is basically a civil war within the Bitcoin community right now. I don't think anyone can truly know how it will shake out. If you are participating in the crypto market the safest thing to do is own both coins in proportion to their market cap so that you are agnostic as to which side wins T...
by daveydoo
Sat Nov 11, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 107
Views: 6286

Re: Do you meditate?

socaldude wrote:
Sat Nov 11, 2017 10:41 am
"There is more to Life than increasing it's speed." GANDHI ...............(p.s. retired 50-STKS-40-BNDS-10-CSH)
For some reason, I always imagined him with less equity exposure.
by daveydoo
Sat Nov 11, 2017 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 159
Views: 12720

Re: Why NOT make more money?

hightower wrote:
Sat Nov 11, 2017 2:01 pm
The only time I think you should avoid trying to make more money is if the pursuit of that money is making you unhappy or preventing you from doing the things you enjoy.
I like this! (I wish it applied to the pre-FI state, too.)
by daveydoo
Sat Nov 11, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5303

Re: Costco for tires and car insurance?

I've always been more than happy with Michelin tires. +1. For many years, I did not buy into the "premium" nature of Michelin tires and the hokey "so much is riding on your tires" scare tactics (that was them, right?) -- I would buy anything but Michelins. I bought tires for longevity and that's ne...
by daveydoo
Fri Nov 10, 2017 11:15 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 129
Views: 7896

Re: Thouhgts about wearing a "uniform"/same thing everyday?

JoMoney wrote:
Fri Nov 10, 2017 6:58 pm
...I've found it seems to be more acceptable if it's not EXACTLY the same thing, i.e. have 3 different color shirts and and just make it matter of rotating through the combinations everyday.
There is an expression for this. It is called "being an adult male." :D
by daveydoo
Fri Nov 10, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3667

Re: Yay, my question was answered by Jack

stemikger wrote:
Fri Nov 10, 2017 6:54 pm
Sandtrap wrote:
Fri Nov 10, 2017 6:38 pm
Substantial sum in VBIAX. Excellent sleep factor. :D
Yes!! That is the goal!!

:beer
Me, too -- but mine's in taxable :(

Not bold enough to sell for gain, and move the bond piece to tax-deferred. If I hadn't found this forum, it never would have gnawed at me...
by daveydoo
Fri Nov 10, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 129
Views: 7896

Re: Thouhgts about wearing a "uniform"/same thing everyday?

bob60014 wrote:
Fri Nov 10, 2017 6:24 pm
No, but I walked into a Walmart wearing a blue short sleeve polo and khakis and had 4-5 people coming up to me asking where items were.
Same! Tank top and orange short-shorts to Hooters. Never again.
by daveydoo
Fri Nov 10, 2017 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why NOT make more money?
Replies: 159
Views: 12720

Re: Why NOT make more money?

We are in early 50s and have achieved financial independence at the comfortable level (4% rule). But my financial independence has no margin of error, i.e., no specific money budgeted for kids' wedding in the future, for slow overseas travels, etc. (only $10K is budgeted for travel), and extra cush...
by daveydoo
Fri Nov 10, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Maximizing use of electrician - outlet repair/upgrades
Replies: 20
Views: 1404

Re: Maximizing use of electrician - outlet repair/upgrades

azurekep wrote:
Fri Nov 10, 2017 2:16 pm
...I flipped it in the up direction and the dead outlet in question sprang back to life...
I read a whole thread for this?! :D

Some good and helpful comments above. Have not done this for a while and appreciate the insights from Sandtrap, talzara, Watty, et al.
by daveydoo
Fri Nov 10, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Questions about buying a used car
Replies: 9
Views: 555

Re: Questions about buying a used car

...why do you think a rental car would be treated worse than a regular used car? Logic tells me it would be the opposite People avoid cosmetic damage in rental cars since that is all that is assessed at return. But as Jeremy Clarkson says: "What's the fastest car in the world? A hire car!" They ten...
by daveydoo
Fri Nov 10, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2534

Re: Investment Books & Your Library

Something she shared with me is that the library loves it when individuals make patron requests. So, when I hear about a new book coming out, I will send the ISBN to the library's email address. As soon as the book comes in and is cataloged, I get an email that I have the first option to check it o...
by daveydoo
Fri Nov 10, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34532

Re: Did you tell anyone you paid off your mortgage?

I think they mean that their spouse knows. If we're talking about paying off a huge balance, I would assume most would get their spouses' input before doing so. +1. At least that's what I meant above. Just said that I was requesting the pay-off amount for the small remaining balance, back when. She...
by daveydoo
Fri Nov 10, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2361

Re: PayPal alternative?

AntsOnTheMarch wrote:
Fri Nov 10, 2017 9:31 am
I just have it draw from my PayPal account balance (which is usually $0) and the rest from my cc.
+1. This is how mine has always been set up.
by daveydoo
Fri Nov 10, 2017 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 328
Views: 34532

Re: Did you tell anyone you paid off your mortgage?

To us lower-echelon folk, it's still a big deal to pay off a house, and OP has a reason to feel proud, imo.

I told my spouse and then we told one set of parents. :happy That is all. Oh, and a sibling, by accident, a decade later.
by daveydoo
Fri Nov 10, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 49
Views: 10322

Re: 35 yr-old doc needs some wisdom

Income is 400-450k, tax-filing single, and still no dependents except for the dog. ... On the being naughty side, I leased a luxury car for $1000 a month. Had to get an M... the 328 wouldn't do any more. After gas and insurance I spend as much on this thing as I do on housing. On the being nice sid...
by daveydoo
Fri Nov 10, 2017 2:00 am
Forum: Personal Finance (Not Investing)
Topic: PayPal alternative?
Replies: 47
Views: 2361

Re: PayPal alternative?

But after finding out about the terrible PP customer service, I'm wondering if there's a good alternative. This is an issue for eBayers -- your family members aren't likely to claim that they never got the cash, are they? :happy Not sure where customer service would even factor in here. My kids swe...
by daveydoo
Fri Nov 10, 2017 1:54 am
Forum: Personal Consumer Issues
Topic: Costco for tires and car insurance?
Replies: 75
Views: 5303

Re: Costco for tires and car insurance?

Not as effortless as Les Schwab but less chaotic. Limited selection but they're name brands unlike Schwab. I've had to go to Discount Tire for Michelin Super Sports and Arctic X-Ice Xi2 (I think) -- they were very competitive, price-wise. Looks like they have one in Bend. Get rims, of course -- we'v...
by daveydoo
Thu Nov 09, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1076

Re: Best mobile Family Plan for 4 Lines?

brad.clarkston wrote:
Thu Nov 09, 2017 6:03 pm
...I'm not in the retail field, just a network engineer...
:D
by daveydoo
Thu Nov 09, 2017 1:43 am
Forum: Personal Consumer Issues
Topic: Extended Warranty on Used Car
Replies: 15
Views: 787

Re: Extended Warranty on Used Car

If you get a three year contract it would be for a car that is 6 to 7 years old now which will be 9 to 10 years old by the time the contract ends. If it is not a scam I can't imagine that there will be many companies that are willing to take that much risk at any price. +1. Can you even get one bey...
by daveydoo
Tue Nov 07, 2017 11:22 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4751

Re: What do you do to keep your mind sharp?

What was the question again?
by daveydoo
Sun Nov 05, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Negotiating for a new car purchase
Replies: 85
Views: 6576

Re: Negotiating for a new car purchase

...and a lot of people convinced they know how to get a good deal because they've had success, but it's also one of those cases where experience is almost completely worthless... I think experience helps you figure out when you're not getting the good deal vs. there is no good deal to be had. This ...
by daveydoo
Sun Nov 05, 2017 8:17 pm
Forum: Investing - Theory, News & General
Topic: Investment Books & Your Library
Replies: 36
Views: 2534

Re: Investment Books & Your Library

abuss368 wrote:
Sun Nov 05, 2017 1:43 pm


We have donated many books to our library over the years that will hopefully provide value to another person.
I've tended to share (read: give away) the "keepers." I replaced my Jack Bogle book several times now and I think it's gone again. I'm generally left with the non-keepers! :D
by daveydoo
Sun Nov 05, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Does Blackrock think it's all a game?
Replies: 33
Views: 4716

Re: Does Blackrock think it's all a game?

I love when old people who don't game or use social media describe in broad strokes what young people "want." I know a lot of young people who game and use social media and they would see right through this kind of condescending manipulation :D . They may fool some people, but not those with the ass...
by daveydoo
Sun Nov 05, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 42
Views: 3136

Re: Heavy duty cordless drill/hammerdrill recommendation

I'm looking for a drill and bits that are more robust and that can stand up to the use I give it Can you specify what the issue is? Bits break, or lose their edge, or drill breaks, or chuck strips, or battery life too short...? I'm sure you know more about this than I do, but each has a different s...
by daveydoo
Wed Nov 01, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: The Ulcer Index
Replies: 12
Views: 1151

Re: The Ulcer Index

But those charts only include data on the depth and breadth of the drawdowns themselves, without factoring in all the drawdown-free time, right? One big drawdown in an otherwise stellar history -- nothing but gains -- would make an investment look terrible. Not sure this is the one-size-fits-all me...
by daveydoo
Wed Nov 01, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. benchmark on American Funds website?
Replies: 25
Views: 1248

Re: American Funds vs. benchmark on American Funds website?

...I want to educate a friend about the folly of investing with American Funds by showing performance (after the load, with admin fees) compared to the proper benchmark. You will struggle with this. Many American Funds have outperformed their benchmark. I hate them with a blinding rage for their se...
by daveydoo
Wed Nov 01, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: I'm fairly young but done with saving money
Replies: 75
Views: 9383

Re: I'm fairly young but done with saving money

lecithar wrote:
Tue Oct 31, 2017 11:49 pm
At what point does it make sense to just say: screw it, I don't need to worry about saving money anymore. Is it a dangerous way of thinking?
You could visit an online car forum and ask if anyone else really hates cars... :D

You do know why people hang out here, right?
by daveydoo
Wed Nov 01, 2017 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning/Special Needs Trusts/Other issues
Replies: 24
Views: 1245

Re: Estate Planning/Special Needs Trusts/Other issues

Following out of interest. Perhaps off-topic but I'm very suspicious of an expert who goes fishing at a special-needs parent meeting . If this were a financial advisor, you would run. Any time I hear that financial experts "specialize" in my profession, I get queasy. While this may not be flat-out u...
by daveydoo
Wed Nov 01, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: The Ulcer Index
Replies: 12
Views: 1151

Re: The Ulcer Index

Hats off to Tyler for offering a set of tools that are light years ahead of those offered by any of the large brokerages. But those charts only include data on the depth and breadth of the drawdowns themselves, without factoring in all the drawdown-free time, right? One big drawdown in an otherwise...
by daveydoo
Tue Oct 31, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Interest Rates Over Seven Centuries, 1273-2017
Replies: 13
Views: 2032

Re: Interest Rates Over Seven Centuries, 1273-2017

...it's fairly clear that not only has the global real interest rate declined over the past seven centuries, but it has also become much less volatile. I think you're mistaking old bad data for volatility. These are real returns so how much do we know about the medieval CPI? Where do those inflatio...
by daveydoo
Tue Oct 31, 2017 1:54 am
Forum: Investing - Theory, News & General
Topic: Interest Rates Over Seven Centuries, 1273-2017
Replies: 13
Views: 2032

Re: Interest Rates Over Seven Centuries, 1273-2017

... as economies and financial markets worldwide became more stable and less uncertain... I think his explanation kinda sounds like the chauvinism of the present. The rich always assume that they are living in stable times; that's why market crashes are so disrupting. And, for the record, it didn't...
by daveydoo
Sat Oct 28, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: RMD distribution timing
Replies: 32
Views: 2472

Re: RMD distribution timing

If you're seriously ill -- or just have a bad feeling -- take your RMD early in the year so that your heirs don't have to take it after your death using your life expectancy table but at their high marginal rates.
by daveydoo
Sat Oct 28, 2017 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: we're going to get hit with taxes next year, help please
Replies: 21
Views: 2216

Re: we're going to get hit with taxes next year, help please

...and planned significant giving with a DAF. +1. If the unexpected excess income is taxed at a higher marginal rate (i.e., is in a tax bracket that you generally don't reach), I agree with front-loading a few years' charitable contributions into a DAF like Fidelity Charitable. Won't save you a ton...
by daveydoo
Sat Oct 28, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: What is on your Pre and/or Post Retirement Bucket List?
Replies: 23
Views: 1821

Re: What is on your Pre and/or Post Retirement Bucket List?

steve roy wrote:
Sat Oct 28, 2017 9:09 pm
...and have been to Europe, the South Pacific, Pennsylvania ...
:D
by daveydoo
Sat Oct 28, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Stucco vs Brick
Replies: 10
Views: 984

Re: Stucco vs Brick

Real stucco? Or EIFS? The latter has been a nightmare in my neighborhood and many others. This was a decade ago -- maybe it's better now? And real brick or brick-face (brick veneer over wood framing)? The latter is hard to earthquake-insure since I think it just collapses right off. Guess which we ...
by daveydoo
Sat Oct 28, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 554
Views: 211432

Re: TV show recommendations?

Need two separate threads here:

1. What would you sit down and watch on purpose (e.g., with your spouse)?

2. What will entertain you on the treadmill?

I have two completely non-overlapping lists. The latter is a lot easier!
by daveydoo
Sat Oct 28, 2017 7:21 pm
Forum: Personal Consumer Issues
Topic: Which minivan?
Replies: 25
Views: 1982

Re: Which minivan?

Odyssey. DW has driven one (well, two) for at least 15 years. The latest version does not drive as well as the prior iterations, according to some reviews; I think they've Toyota-fied the handling a little. (Our latest is a 2010.) Where you are, the biggest limitation vis-a-vis adventuring is the cl...
by daveydoo
Fri Oct 27, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Should I change my car?
Replies: 13
Views: 860

Re: Should I change my car?

Seating position > vehicle. Do you like the "captain's chair" feeling for the van? Big SUVs and minivans seem to have more upright seating, imo. I need to limbo into my older 3-series and ride on the ground. You may be the one person who benefits from a car show -- where you can sit in every car and...
by daveydoo
Fri Oct 27, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: 91, 01, 09. Then 19? [Year for next market crash]
Replies: 27
Views: 2565

Re: 91, 01, 09. Then 19?

No! You're doin' it all wrong, man! It's all 0s, 1s, and 9s. Doesn't look like that either... If it was all 0s, 1s, and 9s, where was 90? Where was 99? Where was 00? Where was 10? Where was 11? :?: Oh, those are all in the past. Predicting the future is harder, but that's where the money is. I have...
by daveydoo
Fri Oct 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Chimney Relining Estimate
Replies: 3
Views: 300

Re: Chimney Relining Estimate

We needed a new flue for a "to-code" conversion of a wood-burning fireplace to a gas insert, along with a cap for the tall masonry chimney -- maybe five years ago in fairly new residential construction. Sounds similar, although we did not need any masonry repair or demo . I can't imagine that we pai...
by daveydoo
Fri Oct 27, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: 91, 01, 09. Then 19? [Year for next market crash]
Replies: 27
Views: 2565

Re: 91, 01, 09. Then 19?

mortfree wrote:
Fri Oct 27, 2017 12:02 pm
daveydoo wrote:
Fri Oct 27, 2017 11:40 am
I definitely think he's on to something. But after '19, it looks like we should be good 'til '90 or '91 so I'll take it.
'23 would be next, obviously :D
No! You're doin' it all wrong, man! It's all 0s, 1s, and 9s.

Don't mess with my system. :D

Gotta talk to my publisher...
by daveydoo
Fri Oct 27, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Storing of important Information - account numbers, SSN, etc...
Replies: 21
Views: 1039

Re: Storing of important Information - account numbers, SSN, etc...

...stuff like account numbers and social security numbers saved in my contacts list. I store my online passwords there too... I disguise them in various notes and blocks of text on my device. Downside: I can outsmart myself (sometimes) and forget what goes with what :D . So I have a paper back-up t...
by daveydoo
Fri Oct 27, 2017 11:44 am
Forum: Forum Issues and Administration
Topic: Forum Suggestion - Add Main Index Page to Bottom of Each Thread Page
Replies: 3
Views: 337

Re: Forum Suggestion - Add Main Index Page to Bottom of Each Thread Page

Just hit the little gray up-arrow button at the far lower right of each post -- this will take you back to the top of each thread with no scrolling. I did not see that for an embarrassingly long time.