Search found 334 matches

by queso
Wed Oct 18, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: How did you rise into the Executive Ranks?
Replies: 18
Views: 3434

Re: How did you rise into the Executive Ranks?

Slow and methodical here, but that's probably not the norm these days. 20 years at current company spanning 3 positions - last 10 have been at exec level. Might have been faster if I had moved around, but I work with a great team and get to solve interesting problems with a lot of smart people. I ca...
by queso
Mon Oct 16, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1513

Re: Opinions on bicycle disc brakes?

Disc brakes stop better, but require more maintenance (I have Magura Marta SLs - hydraulic). I have to bleed mine at least once a year, but the process isn't difficult (very similar to bleeding motorcycle brakes and similar in concept to car brakes as well). I have standard side pull Ultegras on my ...
by queso
Mon Oct 16, 2017 10:30 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1780

Re: Storing Lawn Tractor over the Winter

-Aviation fuel sounds a bit extreme! Thanks all. Can someone explain to me the battery tender and whether that's necessary? I don't have an outlet in my shed. The aviation fuel was actually recommended to me by my power equipment dealer. We have a small airport in town that he runs to every year Yo...
by queso
Mon Oct 16, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2747

Re: Garage door opener on last leg

Are these the ones you guys are going with? https://www.amazon.com/2-Inch-Nylon-Garage-Rollers-4-Inch/dp/B003AKF4EE/ref=sr_1_2?ie=UTF8&qid=1507741514&sr=8-2&keywords=nylon+garage+door+rollers Those ones don't quite look right where the ball bearings are supposed to be. I've also never heard of Nati...
by queso
Wed Oct 11, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4364

Re: WiFi

A few months back I bought a NETGEAR AC750 WiFi Range Extender (EX3700-100NAS), about $40 on Amazon. I plugged it in about 20 feet away from our primary router/wi-fi. It seems to help with coverage in some back rooms of our home that were "iffy" before. I had thought about replacing our router with...
by queso
Wed Oct 11, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best Career Advice for those over "50"
Replies: 60
Views: 6275

Re: Best Career Advice for those over "50"

OP, The best career advice is to retire and/or be FI before 50 years old. That was my plan. I saved 30+% of my gross income in order to achieve that. But, I lost 50% of my investment because I gambled on Telecom stock. Or else, I would have met my goal. After that mistake, I have to retire or FI af...
by queso
Wed Oct 11, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2747

Re: Garage door opener on last leg

No advice on openers, but if you want to improve quiteness use two pairs of rubber isolators (LiftMaster - Garage Door Opener Vibration Isolator Kit 89LM) when mounting the head unit. They cost $12 on Amazon. Also use nylon door rollers instead of steel rollers on the door. A set of ten costs $13 o...
by queso
Wed Oct 11, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Garage door opener on last leg
Replies: 32
Views: 2747

Re: Garage door opener on last leg

Are these the ones you guys are going with?

https://www.amazon.com/2-Inch-Nylon-Gar ... or+rollers
by queso
Wed Oct 11, 2017 7:23 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13774

Re: [Boglehead vs Mr Money Mustache philosophies]

working a bunch of side jobs isn't "early retirement" ah, yes. The internet retirement police. Please read the article below. http://www.mrmoneymustache.com/2013/02/13/mr-money-mustache-vs-the-internet-retirement-police/ ok, so he just redefined "retired" as financially independent. Look at me, her...
by queso
Wed Oct 11, 2017 7:10 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13774

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM's 2016 budget included $6720 for insurance premiums, which he said the family business paid for, and $3,807 for son's broken arm. He said that at $30,193 that he claimed the family spent, represented less than 10% of their taxable income. He said he donated $100,000 to charities. In his spendin...
by queso
Wed Oct 11, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13774

Re: [Boglehead vs Mr Money Mustache philosophies]

You cannot live on 25k for a family of three and be able to afford full health insurance without subsidies or fund a college education. You can opt out of insurance or not pay for your kids education which is a huge risk and a bad idea for most people. This is one of my biggest questions in the MMM...
by queso
Tue Oct 10, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13774

Re: [Boglehead vs Mr Money Mustache philosophies]

MMM: Tell everyone you retired early but start secret businesses repairing/flipping houses and selling soap on etsy. This. I used to read quite a bit of MMM before I found BH and I have recommended it to a few 20 somethings I work with as an alternative to a high consumption lifestyle. That being s...
by queso
Wed Oct 04, 2017 8:29 am
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6013

Re: Is it a waste of money having your furnace checked every year?

Yep. Had a service contract in place from the previous owner when we moved in so when they called I had them come out since it was already paid for. Followed him around while he performed "annual service" on 2 furnaces and 2 AC condensers. Tried not to laugh until he left. When the time came to rene...
by queso
Thu Sep 28, 2017 3:17 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11131

Re: The Rolex and The Boglehead

I have not been to to the Bogleheads board in awhile. I just checked in and what do I see? Another watch thread! 211 posts in three days. Why are people so passionate about this topic? --Gary You could check out the "do you brown-bag your lunch?" thread and see that our forum members appear to be p...
by queso
Thu Sep 28, 2017 7:30 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11131

Re: The Rolex and The Boglehead

I spend a lot of time underwater and thought hard about a Deep Sea. When I looked at them it was just too big for my wrist so I decided to go for a Planet Ocean (too many Submariners out there for me). I don't treat it like a nice watch though. It's been on dives below 200' and it's been on my wrist...
by queso
Thu Sep 28, 2017 7:15 am
Forum: Personal Consumer Issues
Topic: Good camping sleeping pad
Replies: 20
Views: 1379

Re: Good camping sleeping pad

These guys know their stuff and are usually pretty accurate with reviews.

https://www.outdoorgearlab.com/topics/c ... eeping-pad
by queso
Tue Sep 26, 2017 7:13 am
Forum: Personal Consumer Issues
Topic: Home video security system questions
Replies: 2
Views: 427

Re: Home video security system questions

I have a combination of ADT cameras, DLink wifi cameras and Arlo Pro cameras. Out of all of those I prefer the Arlos. Features are better, cameras are better and they are wireless so can be mounted anywhere and there is no monthly charge for 7 days worth of video storage (more storage = monthly fee)...
by queso
Mon Sep 25, 2017 9:48 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4147

Re: Do you avoid risky adventures once you have the money?

The reason that I thought about money is because, I guess, that it would be a pity if I did not have chances to spend it after many years of hard saving (and delayed gratification). As jebmke pointed out, perhaps this is just the older you doing more analysis before engaging in risky behavior where...
by queso
Mon Sep 25, 2017 9:26 am
Forum: Personal Consumer Issues
Topic: Do you avoid risky adventures once you have the money?
Replies: 71
Views: 4147

Re: Do you avoid risky adventures once you have the money?

I don't think money has much to do with it. You are either wired up for stuff like that or you aren't. I've always done relatively risky things (cave/wreck diving, rock climbing, motorcycle riding, mountain biking/cycling, skateboarding) and my financial situation had little to do with it other than...
by queso
Mon Sep 25, 2017 8:07 am
Forum: Personal Finance (Not Investing)
Topic: Bogleheads monthly costs of dog ownership?
Replies: 83
Views: 5117

Re: Bogleheads monthly costs of dog ownership?

I just did a back of the napkin calculation and figured about $400 a month. Most months it is far less (food and dog biscuits), but we've been through a few orthopedic surgeries plus routine vet costs and other non-emergency visits that push the average number way up.
by queso
Mon Sep 25, 2017 7:57 am
Forum: Personal Consumer Issues
Topic: Home security advice
Replies: 15
Views: 1639

Re: Home security advice

If someone wants in your house there isnt anything you can do to stop them. Thats the reality. Most people have windows on the ground floor. Has anyone ever accidentally broken glass? Its not very durable. Imagine if you want to purposely shatter the glass...very easy. I have amcrest IP poe cameras...
by queso
Fri Sep 22, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 24152

Re: I won the Lottery. Need sound advice.

Emily1980 wrote:
Fri Sep 22, 2017 12:31 pm
And you don't need to reward yourself for being average after winning the lottery. You've been rewarding yourself your whole life.
/thread
by queso
Thu Sep 21, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Water Service Line Insurance
Replies: 17
Views: 1319

Re: Water Service Line Insurance

I replaced the service line in my old house and still elected not to buy the insurance on my current house. Total cost for an underground pull (very cool process...uses a tow truck to pull new line through the old without any digging) was around $2500-5000 depending on which bid you went with. I fig...
by queso
Thu Sep 21, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2635

Re: Bitcoin AA - Just out of Curiousity

In conclusion, I think you're nuts NOT to have a tiny allocation to Bitcoin I think most folks here would think you are nuts to have zero allocation to index funds and have everything in cash and Bitcoin. I hear what you are saying, but basically what it boils down to is that you prefer to gamble o...
by queso
Wed Sep 20, 2017 9:24 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2635

Re: Bitcoin AA - Just out of Curiousity

Jack FFR1846 wrote:
Wed Sep 20, 2017 9:18 am
queso wrote:
Wed Sep 20, 2017 9:14 am

I'll defer to the sage words of the Doge on this one: "Very bubble. Much scam. So avoid."
I agree with the sentiment, but the dialect is a bit off, I think. Try: "Very bubble. Much scam. Such avoid."

:D
yeah, your version is better.
by queso
Wed Sep 20, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2635

Re: Bitcoin AA - Just out of Curiousity

bberris wrote:
Wed Sep 20, 2017 8:58 am
Like the stock tips from the shoeshine boy in 1929, the 2017 version is BH threads discussing bitcoin.
I'll defer to the sage words of the Doge on this one: "Very bubble. Much scam. So avoid."

https://www.nytimes.com/2017/09/15/busi ... ss&emc=rss
by queso
Wed Sep 20, 2017 6:55 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24230

Re: Name something you had to have and now you regret purchasing it?

This brings up an interesting question. If paying for experiences is more satisfying than paying for goods, then is wasting money on experiences that don't happen more demoralizing than wasting money on goods that are not used. Yes, because the goods can always be returned or given to someone who w...
by queso
Wed Sep 20, 2017 6:51 am
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2635

Re: Bitcoin AA - Just out of Curiousity

Can everyone list all the currencies they invest in, not just Bitcoin? Bitcoin, Ethereum and Litecoin. It's funny how correlated they are though when you start watching them and comparing charts. I suppose having three protects me against one of them having some major hack, fork, problem, etc. and ...
by queso
Tue Sep 19, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin AA - Just out of Curiousity
Replies: 51
Views: 2635

Re: Bitcoin AA - Just out of Curiousity

1. <1% across 3 cryptocurrencies
2. No.
by queso
Thu Sep 14, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 333
Views: 20203

Re: Iphone X is $1000

Did the iPhone ever get the capability (either natively or through an app) to set do not disturb times for notifications, but still allow calls to come through? That's what moved me to Android in the first place. On Android it's easy to adjust a few settings and have a device that makes no noises wh...
by queso
Wed Sep 13, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4245

Re: Electric car in evacuation situation

+1. In an emergency bugout/evac situation I'll have 4 or 5 five gallon gas cans strapped to my roof rack. Hope you at least cover them with one of those blue tarps and don't have to leave your vehicle unattended. Sometimes law and order breaks down in emergency situations, to one degree or another,...
by queso
Wed Sep 13, 2017 8:52 am
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10690

Re: The 10 year car ownership "rule"

10 years is just getting broken in! I have a 12 year old Pilot and am hoping to get 15 or 20 out of it. Glad someone brought up the venerable Crown Vic! If you ask my father in law he'll tell you I have a "new car". He owns two Crown Vics and drives them off and on when he isn't driving one of the o...
by queso
Wed Sep 13, 2017 7:51 am
Forum: Personal Consumer Issues
Topic: Is it really Worth it to brown bag your lunch at work?
Replies: 313
Views: 18325

Re: Is it really Worth it to brown bag your lunch at work?

I brown bag every day I don't have lunch meetings (usually 3-4x per week). There is a small group of folks at my level that spontaneously decide to go out to lunch to discuss some important item of business or a crisis so I generally bring things that won't go bad if I eat them a day later since I t...
by queso
Tue Sep 12, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4245

Re: Electric car in evacuation situation

What happens when you're in your EV in Florida summer sun, and stuck in traffic. You are still pulling power to run the AC. Does this drain the battery appreciably? People seem obsessed with objecting to electric vehicles at times on this list, jeesh. The future is coming, you can join it at whatev...
by queso
Tue Sep 12, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Large portable generator vs. permanent natural gas generator for home
Replies: 67
Views: 4196

Re: Large portable generator vs. permanent natural gas generator for home

We had a portable for years and stocked gasoline and would only run it during outages just to keep from having to toss what's in the freezers. It worked fine, but was definitely a bare bones kind of setup and as others have pointed out it required me being vigilant about storing a lot of gas with St...
by queso
Mon Sep 11, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4245

Re: Electric car in evacuation situation

I can stock extra gas by filling some cans. If it is a full electric car (non-hybrid) how would you stock extra electricity? You need to drive out of state an the normal 3 hour drive will take you 12 hours - will your electric-charge last? Will there be a place to stop and charge on the way? Makes ...
by queso
Mon Sep 11, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4245

Re: Electric car in evacuation situation

After watching a lot of CNN this weekend for Hurricane Irma and mass evacuation in FL, I start to wonder if electric cars (I.e. The new Nissan Leaf 2018) would be a better choice to get stuck in stop and go traffic for hours in this kind of situation/traffic pattern (if you only have 1 full tank of...
by queso
Mon Sep 11, 2017 10:50 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

Very useful and well rounded reply. Thanks for doing so. I found your whole post to be very informative, and for completeness sake, due to your direct experience would like to ask a few follow ups: 1. What exchange do you use? In my research I only found GDAX and Gemini that accept ACH. 2. What wal...
by queso
Mon Sep 11, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Electric car in evacuation situation
Replies: 61
Views: 4245

Re: Electric car in evacuation situation

I can stock extra gas by filling some cans. If it is a full electric car (non-hybrid) how would you stock extra electricity? You need to drive out of state an the normal 3 hour drive will take you 12 hours - will your electric-charge last? Will there be a place to stop and charge on the way? Makes ...
by queso
Mon Sep 11, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: How to buy a Bitcoin?
Replies: 29
Views: 1807

Re: How to buy a Bitcoin?

What he said... Just general discomfort in my chances of having my losses covered depending on the circumstances of the loss. It was relatively cheap and easy to learn to use a hardware wallet and it's actually a pretty neat little piece of engineering.
by queso
Mon Sep 11, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: How to buy a Bitcoin?
Replies: 29
Views: 1807

Re: How to buy a Bitcoin?

I buy crypto on Coinbase and then transfer it to a Trezor wallet. I was fine keeping it on Coinbase for a while, but once I got a few coins I lost my comfort level storing it online.
by queso
Fri Sep 08, 2017 8:29 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

I have a position in crypto that I keep on a Trezor. It's kind of cool and earns me nerd points. It's strictly play money. You would have to have nerves of steel to deal with the swings if it were an actual significant part of your AA. There is no way I could sleep at night if it were anything more ...
by queso
Wed Sep 06, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3630

Re: Bought crypto currency

The fact that Beanie Babies and tulip bulbs keep getting brought up in these threads demonstrates just how dismissive and uninformed people are and remain about blockchain and cryptographic assets. Fortune just ran a front-page spread on blockchain. Here's an interesting introductory video the mag ...
by queso
Wed Sep 06, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Locking hub nuts on a vehicle - worth having?
Replies: 24
Views: 1178

Re: Locking hub nuts on a vehicle - worth having?

Skip them. Like the others said they basically only create the illusion of added security and add additional hassle and potential problems. A guy in my office has one of the higher end Infinitis with wheel locks. He came out one morning and it was sitting on a couple pieces of wood and all 4 wheels ...
by queso
Wed Sep 06, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 275
Views: 24230

Re: Name something you had to have and now you regret purchasing it?

Ducati Panigale 1199 S. "S" stands for stupid. :happy Torture to ride on public roads or in traffic and had the usual (for Ducati anyway) multiple visits to the dealer for warranty work in the first few months of ownership. Sold it at a loss with only 5k on the odometer. Just have to remind myself n...
by queso
Wed Sep 06, 2017 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Bought crypto currency
Replies: 67
Views: 3630

Re: Bought crypto currency

I have some Bitcoin and Ethereum, but it was strictly with fun money that won't cause me any problems if I lose it. It's way up from where I bought it despite the China thing, but it isn't a significant amount of money so I'll continue to hold it in case that previous poster's "250k" thing comes to ...
by queso
Thu Aug 31, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6312

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

I'm probably a little more paranoid than most (if you ask my wife she'd put me as several multiples above "a little paranoid"), but here's my list: - a few months worth of Mountain House food (in the big #10 cans that last for 30 years) - a bunch of bottled water - a hand crank radio that also char...
by queso
Thu Aug 31, 2017 1:05 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6312

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

livesoft wrote:
Thu Aug 31, 2017 1:03 pm
It might be a disaster if it isn't stored so it won't get wet.
Stop it! Now I'll start overthinking that and get into more trouble.
by queso
Thu Aug 31, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6312

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

^You could get a flat-bottom jon-boat and cover it with one of your tarps. And maybe canoes or kayaks for others in your family. But I didn't see your crapton of toilet paper. Yes, I know it is not necessarily needed, but why not if you have everything else? And hand sanitizer. I didn't consider th...
by queso
Thu Aug 31, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: Hurricane Harvey has me rethinking my approach to disaster preparations
Replies: 72
Views: 6312

Re: Hurricane Harvey has me rethinking my approach to disaster preparations

As do I. Guess I need to step up my game! Depends on your level of paranoia/likelihood of incident and, uh, familial tolerance. Houston reminded me that I don't have any watercraft so I started wondering out loud if I ought to add a zodiac to the inventory. Of course, that doesn't have a cabin and ...