Search found 1749 matches

by quantAndHold
Tue Oct 16, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 13
Views: 515

Re: Sneakers with good arch support

One of the most useful doctor’s appointments I ever had was with a podiatrist who showed me how to fit over the counter arch supports. It turned out that I didn’t need custom orthotic. The superfeet I was wearing were the wrong size, and I just needed the next size down. So anyway, find a pair of or...
by quantAndHold
Tue Oct 16, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 11
Views: 704

Re: Zion Nat'l Park & mosquitos in October?

Probably not this time of year. But if there are mosquitoes, there’s a town right next to the park. Literally walking distance from the entrance. You can buy some there.
by quantAndHold
Tue Oct 16, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Kids not interested in money / allowance
Replies: 39
Views: 3088

Re: Kids not interested in money / allowance

Do they have anything to spend it on? If you’re already meeting all of their needs (toys, candy, etc), then they have no need for money.
by quantAndHold
Tue Oct 16, 2018 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Placing mother in nursing home - advice
Replies: 37
Views: 3558

Re: Placing mother in nursing home - advice

So, there clearly aren’t a lot of options, but what does mom want to do that’s within the range of reality? Has anyone asked her?
by quantAndHold
Tue Oct 16, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2205

Re: How do you buy a mattress ?

Smoke wrote:
Mon Oct 15, 2018 10:46 am
Select comfort. air mattress. Light weight, set firmness via remote, I have one that is 20 yrs old (Queen) feels as good as when it was new.
This requires electricity. Not always available in a RV.
by quantAndHold
Mon Oct 15, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 43
Views: 3131

Re: Relocation to California

It’s interesting that anytime anyone posts that they’re considering a move to anywhere in California, a number of people who mostly don’t know much about California feel the need to tell the OP what a bad decision that is, because they will go broke and then be killed by a homeless drug dealer. OP i...
by quantAndHold
Mon Oct 15, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: invest in sears bond maturing next week 10/15 , trading at 58c on the $
Replies: 18
Views: 2526

Re: invest in sears bond maturing next week 10/15 , trading at 58c on the $

So do you have some unique knowledge or expertise that the vulture investors that have deep pockets and do this full time don’t have? Do you have any expertise at all in investing in distressed assets? Are you the patsy in the room, or are they? I’ve done some speculating on distressed assets. Two t...
by quantAndHold
Mon Oct 15, 2018 6:57 am
Forum: Personal Consumer Issues
Topic: Gore-tex warranty experience
Replies: 7
Views: 806

Re: Gore-tex warranty experience

Thank you! I have a Marmot rain jacket that just started having the same problem. During Hurricane Michael, of course, after five years of working just fine.
by quantAndHold
Mon Oct 15, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?
Replies: 38
Views: 4348

Re: DIY Home Security: SimpliSafe vs Ooma vs Nest vs Ring vs Other?

Do you need an alarm system? Are you in a bad neighborhood? Away from home a lot?
by quantAndHold
Mon Oct 15, 2018 6:44 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2205

Re: How do you buy a mattress ?

Consumer Reports has always said to go to the store and lay on them. Lay on the one you’re going to buy for at least 20 minutes. Try all the positions. In a trailer...is it a residential size mattress, or RV size? RV forums have discussions about where to get good quality mattresses in RV sizes, or ...
by quantAndHold
Sun Oct 14, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 43
Views: 3608

Re: Should we move to San Diego from east coast?

Yes. Everyone gripes about cost of housing, but San Diego is a good value compared to the San Francisco Bay Area or the Los Angeles basin. And what folks from snow country don't realize is that Californians don't need to hibernate in their caves during the winter. They tend to be outdoors whenever ...
by quantAndHold
Sun Oct 14, 2018 5:34 pm
Forum: Forum Issues and Administration
Topic: would someone explain to me
Replies: 8
Views: 748

Re: would someone explain to me

People can discuss anything under the sun in the consumer board as far as I can tell. I really doubt that helping the planet is controversial. I would love to see whoever deleted this explain their reasoning. You would think, but judging by one of the comments in that thread, helping the planet is,...
by quantAndHold
Sun Oct 14, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Recommendation for an ergonomic chair (staples)
Replies: 17
Views: 829

Re: Recommendation for an ergonomic chair (staples)

My experience with Staples was all the chairs they had were cheaply made, not sturdy enough for everyday, long term use, and not particularly ergonomic. My old company did a full ergonomic evaluation and bought me a fancy chair, which I loved. I convinced them to give me one that another employee ha...
by quantAndHold
Sun Oct 14, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 43
Views: 3608

Re: Should we move to San Diego from east coast?

Moved to SD in the 80’s for a job. We tried Seattle for a few years, and it didn’t work out. We’re in San Diego for the long haul. Cost of living...housing is expensive. On your next visit, make an appointment with a realtor, and look at some stuff. That’s the only way you’ll really know whether you...
by quantAndHold
Sun Oct 14, 2018 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need Health Insurance (Non-ACA Options)
Replies: 77
Views: 4903

Re: Need Health Insurance (Non-ACA Options)

Thanks! This answer makes me feel much better about the 'worse'. I think it is not bad idea to go without insurance (or short term) for a year if you are healthy and you DO NOT have a risky life style. Perfect! Until your perfectly healthy, 5 mile a day running self suddenly gets leukemia one day a...
by quantAndHold
Sat Oct 13, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3096

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

I rent for such trips. Main reason is I get to drive a different car than my own car. Removes some boredom. Plus I get to try out a brand or a car that I might potentially buy in future There’s nothing boring about a Volvo S60. 2018 model yes no boredom, 2006 model yeah, lot of boredom. No rental c...
by quantAndHold
Sat Oct 13, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9492

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

Assuming I get good enough by retirement age, I would teach Tai Chi / Kung Fu. 20 students, $100/month average, would hopefully yield about $1k/month assuming 100% overhead (need a space for classes and there will be insurance/taxes.) It’s hard to get that many students though. I would probably be ...
by quantAndHold
Sat Oct 13, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5294

Re: Weigh in on our Marital Argument =)-- HCOL edition

I know that the parents will never understand his. But isn’t it more frugal to pay for an AirBNB a few nights a year than it is to pay for an extra bedroom that doesn’t get used unless someone is visiting?
by quantAndHold
Sat Oct 13, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 39
Views: 2872

Re: Not convinced with insurance

The purpose of insurance is to keep you from being wiped out if the worst happened. Life insurance, you probably don’t need yet. You and your wife can take care of yourselves should the worst happen. Homeowners and umbrella, though. I suspect, given the price of your policy, that you don’t have enou...
by quantAndHold
Fri Oct 12, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9492

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

So I would suggest that for most people, a $1000/month job in retirement is really more like replacing $100,000 - $150,000 of retirement savings at best, rather than $300,000. Especially since all of the work would be done during the first 5-20 years of retirement, not at the end when it would be w...
by quantAndHold
Fri Oct 12, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 16
Views: 583

Re: your favorite ereader?

I’ve tried them all. It used to be my job to try them. Best combination of price and performance is Kindle Paperwhite. Best regardless of cost is Kindle Oasis. Much better screen, and buttons that can be used on either side.

Now that I pay for them myself, I have a paperwhite.
by quantAndHold
Fri Oct 12, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9492

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

I’m having too much fun traveling to spend my retirement time working. But...when I’m at home I teach martial arts at a local college. I make nowhere near $1000/month though, and wouldn’t even if I were home more. I can’t do martial arts that many hours per week without my body breaking down. I do i...
by quantAndHold
Fri Oct 12, 2018 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Should we rent a car or take our low mileage 2006 Volvo on a family trip?
Replies: 49
Views: 3096

Re: Should we rent a car or take our low mileage 2006 Volvo on a family trip?

If I were you, I will rent a car for peace of mind. I assume a rental car company has a lot of stake in making sure that their cars reliable. If a rental car breaks down on a trip, it will be their problem and I will have a replacement. It will be a big hassle if my car breaks downs hours away from...
by quantAndHold
Fri Oct 12, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 93
Views: 7921

Re: When will you backup the truck on stocks

My IPS never says to backup the truck. But I did hit a rebalancing band this morning, so I’ll be moving appropriately 1% of my net worth from bonds to stocks today. FWIW, I did back up the truck in 2009, but it took the form of me running a retirement calculator after being in denial about the marke...
by quantAndHold
Fri Oct 12, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6433

Re: Market decline in 2019 ?

Stop reading financial news. It’s bad for your portfolio. If you want to read something, read books about investing instead. Especially the ones listed in the wiki.
by quantAndHold
Thu Oct 11, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3088

Re: Budget Coffee

The local fancy market has a rack of beans from several different local roasters, usually for several dollars less than what the roasters charge in their own shops. I read the date stamps on the bags and get whatever is freshest. Most of them are $13. Life is too short to drink bad coffee. Or eat ba...
by quantAndHold
Thu Oct 11, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1761

Re: Route-66 trip recommendations

We just finished driving across the US, not specifically following Route 66, but covering the same basic ground. It took us six weeks, and we still felt rushed. Depending on how much time they have, they might want to cover a smaller portion of the country. And the best way to see America is by car....
by quantAndHold
Thu Oct 11, 2018 3:01 pm
Forum: Investing - Theory, News & General
Topic: Trend Following failure
Replies: 12
Views: 1479

Re: Trend Following failure

hdas wrote:
Wed Oct 10, 2018 2:11 pm
MTUM exodus, down 3.5% as we speak. I expect the underperformance that started some weeks ago to continue. H
I did not know that a few days or weeks of poor performance was relevant?
by quantAndHold
Thu Oct 11, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 38
Views: 1761

Re: Route-66 trip recommendations

Seriously. Most of Route 66 is abandoned gas stations and diners, and ugly shops selling Route 66 hats and t-shirts. Nothing scenic. Nothing particularly historic. Nothing to see there. Read Steinbeck’s The Grapes of Wrath , and realize that that period was the peak period for that road. Go buy a na...
by quantAndHold
Wed Oct 10, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Job Opportunity - Via Staffing Agency
Replies: 29
Views: 2226

Re: Job Opportunity - Via Staffing Agency

Companies that do contract to hire typically only hire really exceptional people without having them do the contract first. So that’s not going to happen. The contract is a low risk (for them) audition. I personally wouldn’t relocate for any job that didn’t pay relocation, unless I really, really wa...
by quantAndHold
Wed Oct 10, 2018 11:22 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003099

Re: What Book Are You Currently Reading? Part VI

Gone Girl , by Gillian Flynn. Unreliable narrators, both of them. Plot twists and turns. A really great read. The Handmaid’s Tale , by Margaret Atwood. Creepy and dystopian. I don’t think we would ever get there, but some days I’m not so sure. The Hunger Games , by Suzanne Collins. An alternative d...
by quantAndHold
Wed Oct 10, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3333
Views: 1003099

Re: What Book Are You Currently Reading? Part VI

I'm trying to read The Three Musketeers, by Alexander Dumas, but I think I've bogged down. I just started Count of Monte Cristo (also by Dumas). I'm only at page 16 of 479. So far our hero has been arrested on trumped up charges by someone who will obviously benefit from that. My thoughts so far: I...
by quantAndHold
Wed Oct 10, 2018 6:48 am
Forum: Personal Consumer Issues
Topic: Hiking NH White Mountains. Taking one lens.
Replies: 25
Views: 1038

Re: Hiking NH White Mountains. Taking one lens.

I assume you only want one lens because you’re hiking up a mountain? I would probably rent a much lighter weight consumer grade zoom for something like that. I don’t know the Canon line, so I can’t make a suggestion, but when the picture is hanging on the wall, you won’t know the difference between ...
by quantAndHold
Tue Oct 09, 2018 4:58 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3341

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

WhiteMaxima wrote:
Tue Oct 09, 2018 4:33 pm
quantAndHold wrote:
Tue Oct 09, 2018 4:09 pm
For a FIRST car? Get the slower one, not the zoom zoom one. Add snow tires as necessary.
A Mercury Grand Marquis :D
I was listening to Car Talk one day and a parent asked a similar question. The Car Talk guys recommended a Volvo DL.
by quantAndHold
Tue Oct 09, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3804

Re: How to get over paper loss?

Why did you buy SCHB? Do the reasons you bought it still hold? Yes? Then stop worrying about it. Some study a few years ago came to the conclusion that the less often people looked at their accounts, the more positive they were about their returns. I think it was the people who looked at their accou...
by quantAndHold
Tue Oct 09, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire
Replies: 56
Views: 3341

Re: Mazda 3 w/ Snow tire or Subaru AWD with All Season Tire

For a FIRST car? Get the slower one, not the zoom zoom one. Add snow tires as necessary.
by quantAndHold
Tue Oct 09, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: What are your strategies when shopping for a house?
Replies: 38
Views: 3320

Re: What are your strategies when shopping for a house?

If your agent isn’t providing value, get another one. Agents we’ve had steered us to a neighborhood we would never have considered (which turned out to be perfect), were able to tell us how much it would cost to remodel that ugly whatever, were able to spot potentially expensive problems before we g...
by quantAndHold
Tue Oct 09, 2018 6:44 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate/state your income?
Replies: 13
Views: 1193

Re: How do you calculate/state your income?

For legal and tax documents? Whatever the law says to include.

Socially? My friends and acquaintances have better things to talk about.
by quantAndHold
Tue Oct 09, 2018 6:40 am
Forum: Personal Consumer Issues
Topic: Refinace house but how?
Replies: 26
Views: 1617

Re: Refinace house but how?

I grew up in a house with an unfinished basement and only one bathroom, built in 1922, that had never been updated. I remember riding our tricycles around the furnace in the winter. I don’t think I was damaged by the experience. Anyway, make a five year plan, and do the work over time as you have th...
by quantAndHold
Mon Oct 08, 2018 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Can you give "spousal" health insurance to a non-spouse?
Replies: 31
Views: 1527

Re: Can you give "spousal" health insurance to a non-spouse?

I find it discriminating that everyone doesn’t just have health insurance, like in nearly every other industrialized country. However, the health insurance system in the US doesn’t work like that. Your health insurance is part of your employee compensation, and your employer sets the rules for who c...
by quantAndHold
Mon Oct 08, 2018 6:57 am
Forum: Investing - Theory, News & General
Topic: 7 Investing Truths That Aren't
Replies: 53
Views: 5839

Re: 7 Investing Truths That Aren't

I don’t need to explain my investment strategy to an eight year old. I need to explain it to my wife, so that she can carry on if I’m not around.

I’m sure Allan Roth’s eight year old kid was easier, though.
by quantAndHold
Mon Oct 08, 2018 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7617

Re: Evaluate net worth - FIRE really that close?

You’re doing really well. Maybe not retire at 40 well, but really well. One of the useful things I was told before I retired early was for the last 3-5 years, live off of the income that you’re going to take in retirement. For you, that’s a 3-3.5% withdrawal rate on your retirement assets. Subtract ...
by quantAndHold
Sun Oct 07, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12592

Re: What purchase saved you the most money?

House. Definitely the house. Even counting maintenance and such. Nothing else comes close. At this point, we come out ahead by about $20k per year over renting a similar place. We know this because we had it rented out for several years while we were living elsewhere, and know how much we made. Afte...
by quantAndHold
Fri Oct 05, 2018 8:26 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14143

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

4nwestsaylng wrote:
Thu Oct 04, 2018 6:43 pm
It really is a lifestyle decision.If you want better schools and environment for your children, a move to a colder climate is probably the best. That is just reality.
Citation, please.
by quantAndHold
Fri Oct 05, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Shorting and buying a stock in two accounts (one is retirement account)
Replies: 19
Views: 1313

Re: Shorting and buying a stock in two accounts (one is retirement account)

It’s gambling. If any of us actually knew that we could reliably gain/lose $5k between now and the end of the year, don’t you think we would all do it?
by quantAndHold
Fri Oct 05, 2018 7:41 am
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 157
Views: 12643

Re: Correlation between the FIRE movement and one of the greatest bull markets

Is there any correlation between the FIRE movement and the one of the longest/greatest bull markets in recent history? Would this movement have gained as much traction if not for this bull market? What happens to this movement if there is a prolonged retraction of the current bull market? Of course...
by quantAndHold
Fri Oct 05, 2018 7:27 am
Forum: Personal Finance (Not Investing)
Topic: How much effort to close an estate and is it worth it?
Replies: 13
Views: 1421

Re: How much effort to close an estate and is it worth it?

Even if mom was named executor in the will, if she never opened probate as the executor, she’s not liable for anything to do with the estate. Nobody is legally required to take on the job of administering the estate, whether they were named executor in the will or not. State law will have a detailed...
by quantAndHold
Fri Oct 05, 2018 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: Is this a Qualifying Life Event (QLE)
Replies: 9
Views: 680

Re: Health Insurance: Is this a Qualifying Life Event (QLE)

Talk to your HR. Today if possible. I found at one company i worked at that the insurance company’s open enrollment period actually went a couple of weeks past the deadline that HR told us. HR used that time to sort out problems and get the stragglers signed up properly.
by quantAndHold
Wed Oct 03, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14143

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

I can kind of care less about weather as that does not pay your bills I just care about making a living. I'm sure you mean that, but having grown up in Iowa, a Californian can't really comprehend an Iowa winter. Having to get up and go to work in the dark, in the middle of a blizzard. Driving on ic...