Search found 393 matches

by Shallowpockets
Sat Feb 17, 2018 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Effect of spending money on appearance in career
Replies: 42
Views: 1782

Re: Effect of spending money on appearance in career

Wow, such a touchy subject. I would think that in sales appearance would be important. Whether or not you want to go that route is up to you. Seems like you missed a promotion they say is based on other than appearance, but that now they are thinking of bringing in someone else. You perceive that to...
by Shallowpockets
Sat Feb 17, 2018 8:32 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 40
Views: 1574

Re: Best plants to grow to save money for food costs

Saffron, vanilla beans, and truffles!!!!!!!!!!
by Shallowpockets
Sat Feb 17, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: ETFs a cause of market turbulence?
Replies: 13
Views: 819

Re: Index funds a cause of market turbulence?

It is all that rebalancing BHs are doing when the market changes. Look how many threads there were about rebalancing during the market drop these last weeks. It exacerbates the downside. On the upside people are justing putting their finite money in their 401s and such. On the rebalance side (during...
by Shallowpockets
Sat Feb 17, 2018 8:20 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 40
Views: 1574

Re: Best plants to grow to save money for food costs

Growing things is a great retirement activity. But, not for cost savings. You do it for fun. You do it for taste. Try it. Keep records. See what your costs are. Most assuredly if you are just starting you will have costs beyond which you thought. All that you grow will be available in your store and...
by Shallowpockets
Fri Feb 16, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Travel Insurance...Is it worth it?
Replies: 16
Views: 1271

Re: Travel Insurance...Is it worth it?

As regards medical coverage overseas. You may have coverage for your insurance. If so, then that is great. One of the biggies of travel insurance is the medical evacuation. In other words, getting back to the U.S. on a non commercial carrier because you cannot go commercial. Maybe you need some medi...
by Shallowpockets
Wed Feb 14, 2018 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Planning for the unexpected in retirement
Replies: 14
Views: 1579

Re: Planning for the unexpected in retirement

Your best plan is to save as much as you can. You can't save anymore than you can. The plan is to have as much money as possible to be ready for the unexpected. Suppose you had an unexpected. If you saved as much as you could have then that is all you can do. The only "more" you could do is to buy a...
by Shallowpockets
Tue Feb 13, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 161
Views: 15127

Re: Number at which to stop worrying

Maybe you should look at how long to keep worrying. How many years until 65? That is your years to worry. That is finite, until you start worrying after retirement. You have already put yourself under pressure saying $2mm is not enough. That can only increase over the years going to retirement itsel...
by Shallowpockets
Tue Feb 13, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Job is starting to suck the life out of me.
Replies: 73
Views: 7881

Re: Job is starting to suck the life out of me.

You need a new job. You are only 31. Move on. The culture at your workplace is not going to change. The economy apparently is doing wry well, and jobs are available. A good time to look around. Your life is being compromised by your workplace. I have had so many jobs in my lifetime that I would not ...
by Shallowpockets
Mon Feb 12, 2018 11:19 am
Forum: Personal Finance (Not Investing)
Topic: moving my mother's "escape" fund to me
Replies: 28
Views: 3196

Re: moving my mother's "escape" fund to me

The elephant in the room is your mothers possible need to escape. Apparently this was a percieved issue. Is it not so now? Why would she need to escape? You appear to address the issue of how to manage the money and people have given you advice here. I wonder about this escape. Maybe that is somethi...
by Shallowpockets
Sun Feb 11, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2351

Re: your assets - now verses end of year?

Op here. Perhaps I only lost $2286 because of this. I have a significant amount in Etrade in individual stocks. At end of year I sold most of them. My plan was to change over to index funds. With the proceeds I bought into SPY and VTI. Some of the VTI I bought was last week during the dips. Probably...
by Shallowpockets
Sat Feb 10, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: Scotland/Ireland/Northern UK
Replies: 6
Views: 530

Re: Scotland/Ireland/Northern UK

We have plans for Scotland this year. We are thinking 2-3 weeks just for Scotland. Too easy to go somewhere and think you will go back. Not usually true. Not for us. Too many places to go. Best to spend the time, at the time you are there. I also looked at the Rick Steves book and it seems that he d...
by Shallowpockets
Sat Feb 10, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2351

Re: your assets - now verses end of year?

Here we are at the weekend. All prices posted. I did an overall view of my assets. I am down $2286 from my end of the year figures. Wanted to see if I was maintaining over the 2 comma club which I had just entered in October or if I was backsliding. As it sits now, we have all lost about 6 weeks on...
by Shallowpockets
Sat Feb 10, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: your assets - now verses end of year?
Replies: 38
Views: 2351

your assets - now verses end of year?

Here we are at the weekend. All prices posted. I did an overall view of my assets. I am down $2286 from my end of the year figures. Wanted to see if I was maintaining over the 2 comma club which I had just entered in October or if I was backsliding. As it sits now, we have all lost about 6 weeks on ...
by Shallowpockets
Thu Feb 08, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Shared real estate fantasy
Replies: 13
Views: 1754

Re: Shared real estate fantasy

Would cover "much" of the expenses.
53 owners.

There is your fantasy putting all that together and making it work to be profitable.

Your premise is making money on a 25K per person investment. All the work, all the headaches, for how much return?

Fantasy in your post title is the operative word.
by Shallowpockets
Thu Feb 08, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Best way to sell gold krugerrands?
Replies: 12
Views: 1287

Re: Best way to sell gold krugerrands?

You can sell them to any gold dealer I am sure. They are minted coins probably one troy ounce and the value is linked to whatever the price of gold is per ounce. I don't think that the condition of the coin will make any difference. The weight is what matters once it is established that it is gold. ...
by Shallowpockets
Thu Feb 08, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 218
Views: 13150

Re: free dinner investing seminar

I went to one of these dinners one time. They served the dinner first, before the presentation. Of course the presentation was full of really great outcomes for your money. But, that was it. They gave out contact info. It was up to you to decide whether to call of not to set up an appt. There was no...
by Shallowpockets
Wed Feb 07, 2018 4:17 pm
Forum: Personal Consumer Issues
Topic: Books and other resources about retiring abroad?
Replies: 14
Views: 883

Re: Books and other resources about retiring abroad?

I believe there is an entire forum, much like this one, that deals with expats and all the issues and concerns and dreams.
by Shallowpockets
Wed Feb 07, 2018 9:48 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3487

Re: Jogging in the cold.

Kahtoola microspikes. These are the best. Been using them for years. You can run across a skating rink. Don't bother with the nano spike version. We use ours primarily for hiking icy front range trails in CO. Lots of melt, refreeze situations, uphill and downhill. Once you use them you can never go ...
by Shallowpockets
Wed Feb 07, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3487

Re: Jogging in the cold.

I do not know what "both sides" of this issue means. Jogging on icy roads or sidewalks is more dangerous than the cold itself. Jogging in the dark at each end of the day due to less sunlight hours is more dangerous. The cold. That is not dangerous. How cold do you think is too cold to jog? Not one r...
by Shallowpockets
Mon Feb 05, 2018 8:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 14488

Re: vanguard website crash and risk with staying there

This is akin to all those Venezualans going to the bank at the same time to get their allowed $30 withdrawal. Never thought it would, could happen, until it does. Good thing you all don't even really need your money. Then again, if you did... Such is our modern money system and computer algorithms w...
by Shallowpockets
Sat Feb 03, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15883

Re: Blood in the water- buying?

Maybe not as extreme as blood in the water. And maybe a bit of market timing. Still, an opportunity to get a better price than it had been. After all, isn't it part of the premise that eventually the market will go up? Long term. This 20% drop for a bear market. When would that be? Should I wait for...
by Shallowpockets
Sat Feb 03, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 15883

Blood in the water- buying?

So this is the general premise, that when there is blood in the water you buy your investments. How many have done this in the last three trading days? How many were actually sitting on enough cash to do so? Especially considering that so many here are not advocates of holding large cash positions a...
by Shallowpockets
Fri Feb 02, 2018 8:58 am
Forum: Investing - Theory, News & General
Topic: Anyone else cashing out on *some* of the crazy earnings?
Replies: 74
Views: 8182

Re: Anyone else cashing out on *some* of the crazy earnings?

If you took your gains that you have seen just in this year 2018 and whittled it back to the same amount you had on last trading day December 2018, it could be a prudent thing to do. Make sure you look at tax implications. You don't even have to pull out the whole difference. Take away that which yo...
by Shallowpockets
Fri Feb 02, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Anyone has tried 'investing with the house'?
Replies: 49
Views: 3855

Re: Anyone has tried 'investing with the house'?

Here is my rant. It sounds like a lot of work. A lot of work. Other than that it is a crazy idea. What fund? What fund manager? That is your first chore. And based on what? You have yourself. They have teams of traders,analysts, managers. They have the communications systems between the company and ...
by Shallowpockets
Wed Jan 31, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: A weekend in Rome - what would you do?
Replies: 13
Views: 767

Re: A weekend in Rome - what would you do?

Rome was discussed recently here with many replies.
Also if you google three days in Rome you will find many itineraries for that exact question. Many of the airlines have such articles in their magazines.
by Shallowpockets
Tue Jan 30, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on breakdown?
Replies: 2
Views: 332

Re: Thoughts on breakdown?

You have $1MM just sitting there, for how long? No investments? I find that incredible for a 60 y/o. Sure you have couple properties and no debt. That is good. But somewhere the philosophy of putting money to work fell by the wayside and you sit on cash and now at market highs are looking to put it ...
by Shallowpockets
Tue Jan 30, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: I bought a stock today - Redfin (RDFN)
Replies: 286
Views: 19259

Re: I bought a stock today - Redfin (RDFN)

Looks like maybe a good stock for trading. Forget the future. At this point the chart suggest to sell it in the high 20s, maybe $29. Buy back in the low 20s. In and out. Sleep at night. It only has a short history and I see it is down about 30% for the year. It is a foolish stock to make money on. T...
by Shallowpockets
Sun Jan 28, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can a Roth Conversion bring about increased Medicare Premiums?
Replies: 10
Views: 856

Re: Can a Roth Conversion bring about increased Medicare Premiums?

The extra premium is about $53 over the $85k single or the $170 married. so 53 x 12 = $636. So that is the cost of doing that business. Also your taxable part of your SS will be increased, but that is not based on any particular threshold. I am not sure how they handle the fall back to the regular M...
by Shallowpockets
Sat Jan 27, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: I don't think my lady is very good at saving money, how do I handle?
Replies: 50
Views: 3873

Re: I don't think my lady is very good at saving money, how do I handle?

The BH philosophy does not say this, but it should. Make sure your partner is on the same page with finances as you are if you are a BH. Money is a prime reason for divorce or splitting up. You sound a but resentful. I am sure she feels that way also at times. Brewing under the surface whenever mone...
by Shallowpockets
Sat Jan 27, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Jonathan Clements: Here's what to do about stocks if you're taking money out of your portfolio
Replies: 5
Views: 890

Re: Jonathan Clements: Here's what to do about stocks if you're taking money out of your portfolio

A 35% drop is a big jolt and not all that usual. It is more on the extreme end historically. That said, it is good of you to mimic a worse case scenario. The typical 25x earnings as a benchmark should then be buffered to maybe 33x. Of course, this puts it further out of reach and becomes discouragin...
by Shallowpockets
Sat Jan 27, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Road Trip Denver to Las Vegas
Replies: 12
Views: 978

Re: Road Trip Denver to Las Vegas

That's a disparate group there. All ages. Good luck with that trying to figure out what to do. If you go to all those places you mention you will only be doing a drive through of the parks. Scenic overlooks. Not likely any older people will be trotting down any trails. Since you have relocated to De...
by Shallowpockets
Sat Jan 27, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Travel to Poland, Estonia, Lithuania: is it worth it?
Replies: 29
Views: 2416

Re: Travel to Poland, Estonia, Lithuania: is it worth it?

Everyone mentions Auschwitz and everyone goes. It is a quiet place. Very little exhibits. Mostly just the buildings and grounds. Tours are huddled up against one another. Auschwitz is tragic, but you have to imagine it. To think about it because it does not come across as such when you are there. Th...
by Shallowpockets
Sat Jan 27, 2018 9:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 182
Views: 12640

Re: Can I be a member of the two comma club?

When I hit the two comma club I was happy. Not counting home, all paid off. But I felt I needed the two commas plus a buffer in case of a market setback. Thanks to this wonderful Jaunary run up, I now feel I have that buffer.
by Shallowpockets
Thu Jan 25, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Father financial trouble
Replies: 40
Views: 4484

Re: Father financial trouble

Take away his credit card. How did he amass all that debt?
by Shallowpockets
Tue Jan 23, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Medicare plan G supplement costs?
Replies: 15
Views: 791

Re: Medicare plan G supplement costs?

An investment for you would be, "Medicare for Dummies".
This is not a slight on you, I own it. You should make informed decisions. You do that by having proper information.
by Shallowpockets
Tue Jan 23, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: Laughter is the Best Medicine - What makes you Laugh?
Replies: 105
Views: 5570

Re: Laughter is the Best Medicine - What makes you Laugh?

What makes me laugh are some of the questions people ask on these forums. As if they cannot make a decision on the simplest of matters. Otherwise I enjoy the funny observations on Seinfeld. Or Brain Regan. I like political satire, but that is more of a groan sort of funny, because it is both funny a...
by Shallowpockets
Tue Jan 23, 2018 8:33 am
Forum: Personal Consumer Issues
Topic: Elder Care Issue; Non-emergency assistance
Replies: 28
Views: 1520

Re: Elder Care Issue; Non-emergency assistance

A big obstacle for a bathtub is getting in or out. You have to lift one foot pretty high and stand on one foot for a time. A big step over. This is a major hazard. We recently redid our bathroom and got a shower only. The shower pan has only a 4" height. You just step out or in. It is very easy. Als...
by Shallowpockets
Mon Jan 22, 2018 8:42 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9079

Re: The Power of Working Longer

There might be power in this view, but not much sense unless you needed that money. At some point it is not about the money anymore, it is about the time. You can never get that back or save it. A cliche, but true. You make your choices, money or time. It is a frequent discussion here and one half b...
by Shallowpockets
Mon Jan 22, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: Pros and Cons of High Rise Condos for retired couple
Replies: 47
Views: 5084

Re: Pros and Cons of High Rise Condos for retired couple

Why not a low rise. Max 5 floors?
I do not even like to stay in a high rise, not even 3 floors, on vacation. You get down and out and, oops, forgot something. Ther you go back up to get it.
Elevator or not, you have to haul your groceries up. How many bags you think that might be?
by Shallowpockets
Sun Jan 21, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4550

Re: New Brake Pads

Well we all went off on a tangent here.
To answer the OPs question.
Yes, those prices you quote seem very reasonable.
I would not even shop around.
by Shallowpockets
Sun Jan 21, 2018 11:54 am
Forum: Personal Consumer Issues
Topic: Medical Appointment Cancellation Policies/Fees
Replies: 36
Views: 2090

Re: Medical Appointment Cancellation Policies/Fees

Those who advocate that a MD or Dentist's time is valuable and they should assess a cancel charge should consider wjy the same does not apply to restaurant reservations, car rental, hotel reservations, hair appts, oil changes. Isn't time valuable to every one. The failure of the above to be on time ...
by Shallowpockets
Sun Jan 21, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 67
Views: 4550

Re: New Brake Pads

If you have no inclination to change them yourself you are stuck with the price to have them done. Prices may vary from shop to shop but not by very much. The only thing actionable here is whether or not you need brake pads now. If you are not inclined to get down there and pull the wheel and look t...
by Shallowpockets
Sun Jan 21, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: return expensive 3 year old's eye glasses?
Replies: 22
Views: 1718

Re: return expensive 3 year old's eye glasses?

We use Costco. They will fit the glasses. They will look at what frames you have decided upon before the order. Fitting a 3 year old by letting him make the decision is fraught with problems. He is 3 years old, never had glasses, has nothing to judge what a pair should feel like or do, cannot articu...
by Shallowpockets
Sat Jan 20, 2018 4:37 pm
Forum: Investing - Theory, News & General
Topic: A 4% move in the Dow and S&P in 12 days? Seems odd
Replies: 94
Views: 7662

Re: A 4% move in the Dow and S&P in 12 days? Seems odd

Odd. Maybe, but it is. I just did an asset tally today and I am up 47k since the beginning of the year. That dollar amount is more than our annual total expenses. If I take out that amount then I am covered for another year going forward and I am holding the same assets I had end of 2017. For anyone...
by Shallowpockets
Sat Jan 20, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: What "efficient market" does and doesn't mean
Replies: 29
Views: 1815

Re: What "efficient market" does and doesn't mean

Define "rational". Every trade involves both a buyer and a seller. Which one of them is irrational? Ron They are both rational. The seller is selling to realize his profit and the buyer is buying on the hopes of continued upward price movement. At the distinct point in time of the sale the most rat...
by Shallowpockets
Sat Jan 20, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 7604

Re: Lost money through Bitconnect scam - learned my lesson

Hoping 2108 is a good year in the markets and you can use that 30k loss to offset your gains. Small consolation, I know, but better then nothing. Bitcoin is NOT like investing in the tech bubble, or Enron, gold, or stocks that crashed in 2008. The difference here is that real stocks can be sold and ...
by Shallowpockets
Sat Jan 20, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: Do we need an emergency supplies kit (go bag)?
Replies: 65
Views: 5444

Re: Do we need an emergency supplies kit (go bag)?

A go bag is certainly an easy thing to do and have. There are many reasons why you may think one is not needed. Until you do. A go bag is for essentials, not the kitchen sink. Mush less than what people typically haul around to vacations. Less than a carry on. Go ask the people who lost houses to th...
by Shallowpockets
Sat Jan 20, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20084

Re: Anyone disenchanted with retirement?

Retirement is where the rubber meets the road of what you really are in life, and what you do. Because it is all up to you, now. It is where you go from the reality of life to the philosophy of life. Then make that philosphy a reality. It is where you face, well, yourself. You have time to look in t...
by Shallowpockets
Fri Jan 19, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Exit strategy for bitcoin
Replies: 72
Views: 5175

Re: Exit strategy for bitcoin

You only make make money if you sell and realize your gain. There was a recent thread here about someone's friend with 1.5 million increase in his Bitcoin. But, he wasn't selling. Now, I am sure that is under 1 million. Still, a gain, but he sat on it. What happens is that people anchor to that high...
by Shallowpockets
Thu Jan 18, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Indestructible winter gloves
Replies: 11
Views: 1331

Re: Indestructible winter gloves

Hardy cold weather work gloves. $11.99 at Harbor Freight.
I wore them in a GoRuck Challenge event. 12 hours outside. 17 degrees.
They are work gloves so the outers are pretty tough. Meant for abrasion.