Search found 672 matches

by Shallowpockets
Tue Oct 16, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2127

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

I organized a pool for the lottery once at work. Buy in was $5. We got 12 people. So your $5 was a greater chance. Some one opted out. Reason, they wanted to buy their own ticket. Not sure of his reasoning, but if you are going to buy $5 worth of tickets you would do better in the pool Now I know it...
by Shallowpockets
Tue Oct 16, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 37
Views: 1104

Re: Personal Adventure - recommendations

OP. "I have to find something which fully engages me physically and mentally and that thing needs to be hard and needs to be remote so it is near impossible to drop out of the "moment zone" and back into the noise. It involves a moderate to high level of stress but a surprisingly positive kind of st...
by Shallowpockets
Tue Oct 16, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: Personal Adventure - recommendations
Replies: 37
Views: 1104

Re: Personal Adventure - recommendations

Look on Amazon books. Search solo adventures and see what pops up. Perhaps one will direct you to an endeavor and you can go in the footsteps, so to speak, of aomeone else.
by Shallowpockets
Tue Oct 16, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Zion Nat'l Park & mosquitos in October?
Replies: 14
Views: 933

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

Just pack the repellent. What is the big deal. It is not even a large item for your luggage. Utah is not known for mosquitos. May be some. I have never worried much about any kinds of bugs out west.

If you pack it or not will it make a difference on your luggage use? Be realistic.
by Shallowpockets
Mon Oct 15, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 72
Views: 3290

Re: How Much Is Your Sewer Bill?

Someone here, "40-60 minute showers."

That is crazy, and wasteful, and totally unnecessary. Aren't you embarrassed?

My sewer bill is seperate from water and is $53/quarter.
by Shallowpockets
Wed Oct 10, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7364
Views: 1546186

Re: Stocks tumbling?

Heresy here. Doesn't matter if stocks tumble. Doesn't matter to a BH. It is ho-hum on it all. BHs have their ducks in a row with a long term plan. Nothing flusters, nothing makes them concerned. It is all just fluff. At the most, maybe a change in asset alocation, excepting to do now is esentially m...
by Shallowpockets
Tue Oct 09, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6
Replies: 15
Views: 953

Re: comparing cell phones Moto X, Samsung Galaxy J3 and Moto G6

When the Moto G5 plus was on sale at Costco for about $175 there was a thread on here about it. That thread was so positive that I bought one. Using it now with Mint BYOP and no problems. Does all I need and then some. Used it overseas with a foreign SIM and it was easy. That said, this is my first ...
by Shallowpockets
Tue Oct 09, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Best headphones under 500 bucks
Replies: 48
Views: 3249

Re: Best headphones under 500 bucks

I am even more of a value oriented guy. More of a BH. I am not even sure I would ever need headphones. However I have been thinking about noise canceling headphones for travel. Price point for me would be under $100. It seems not a good thing to travel with headphones which would be stuffed in and o...
by Shallowpockets
Mon Oct 08, 2018 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Formula for when to buy in bulk
Replies: 41
Views: 3136

Re: Formula for when to buy in bulk

Ask yourself, when was the last time you actually used a months supply of your stashed stuff? Maybe if you lived through he hurricane in Puerto Rico. Otherwise a months supply is too much. Too much storage. Then again, you won't be the one rushing to the store and emptying the shelves of everything ...
by Shallowpockets
Mon Oct 08, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Market decline in 2019 ?
Replies: 73
Views: 6437

Re: Market decline in 2019 ?

I would say we are in the decline right now, as we speak. The last four days of the markets has dropped quite a bit. Market decline is usually not usually a one day affair. People always throw out the 50% drop but that is not a usual. I think a lot of BHs relish a big drop. Like they are positioned ...
by Shallowpockets
Mon Oct 08, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1839

Re: Investment advice for a friend in her nineties

She is in her 90s. Where has her money been all this time? I hope when I am in my 90s I will have had all my ducks in a row for a long while.
Why is she calling you about this? Tell her to stand put with what she has and where she has it. She made it this far. What's to change?
by Shallowpockets
Sun Oct 07, 2018 8:39 am
Forum: Investing - Theory, News & General
Topic: You know you’re a Boglehead when. . .
Replies: 44
Views: 4853

Re: You know your a Boglehead when. . .

You might be a true BH if you were on the end of the stick where you did not get to continue with the outsourcing company at less pay and instead were with the group of people who were out of a job. You could still have rolled your 401 with that scenario, but your finances would be tested more so th...
by Shallowpockets
Sun Oct 07, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: Is your risk tolerance to dollars or percentages?
Replies: 17
Views: 1187

Re: Is your risk tolerance to dollars or percentages?

Aside from this particular problem posed, which is speculative and just an exercise in nothing, to me a lot of my returns are thought of in dollar terms instead of percentages. If I have 1 million and it goes up only that 4%, I glady take that as $40k. This is in regards to my expenses which are usu...
by Shallowpockets
Sun Oct 07, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Concerns of buying a home...what would you do?
Replies: 23
Views: 2080

Re: Concerns of buying a home...what would you do?

That's funny - adequate being the best you will get. Seems this way with a lot of things. Maybe we all shoot for too high. Maybe we would be better off shooting for adequate in everything and then be satisfied easier. But, first world we want it all the way to the top. OP, I bought my house 25 years...
by Shallowpockets
Sat Oct 06, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Tackling Disney World - Discount on tickets?
Replies: 65
Views: 3671

Re: Tackling Disney World - Discount on tickets?

I would not even go. Looks like it would be very expensive. Are your kids asking about it? How would they even know at that age. There are a lot of other things to do in Florida. The beach. Local attractions. Maybe glass bottom boat. At 3 and 6 you will be setting a precedent. That is young enough t...
by Shallowpockets
Sat Oct 06, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: The Psychological Dimension Of The Transition To Retirement
Replies: 25
Views: 2796

Re: The Psychological Dimension Of The Transition To Retirement

There are only two things for you, do it or not. Your advisor gave you the info and you are OK with that so go with it. It is an apprehensive time for most of us. Letting go that paycheck. Will you take SS? Look at it as time. Time is what we spend but can never save. I have friends who still work a...
by Shallowpockets
Sat Oct 06, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Cobra / Insurance Recommendation
Replies: 9
Views: 670

Re: Cobra / Insurance Recommendation

Since covered now and concerned, get you flu shot before you run out on the present insurance. Since you mentioned flu season.
by Shallowpockets
Sat Oct 06, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8925

Re: 20 countries where 200K in retirement savings will last you decades

The premise of this, that you could live on 200k retirement savings is predicated on only that amount for your retirement. Most of us aspire to more. Those with only 200k retirement are not going to have the money to be able to even make the move. It costs to look around and move. Most ex pats may b...
by Shallowpockets
Wed Oct 03, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Did Jeff Bezos just pull a Henry Ford?
Replies: 32
Views: 2521

Re: Did Jeff Bezos just pull a Henry Ford?

Why do so many hate Amazon. They used to hate Walmart. Always hating the big guy. Higher wage will hurt low income workers??? Tell that to those workers. Tell that to those workers who had a job in a rural area at Walmart because there are no other jobs. Here is your Mom and Pop hardware employing 3...
by Shallowpockets
Mon Oct 01, 2018 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1235

Re: Struggling with Medicare Plan G vs Plan N

Chapter 15 has the answers. 3rd edition. I am not saying it will always be beneficial or cost less or more or have less or more coverage. I am saying that you can switch your plans on an annual basis. There are special enrollment timeframes also. There may be stipulations. This is just to to inform ...
by Shallowpockets
Mon Oct 01, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 21
Views: 1235

Re: Struggling with Medicare Plan G vs Plan N

For one thing, you can change plans on the annual basis. So if your plan goes up and you don't like it you can look elsewhere. You will know the costs during enrollment and they will go through the following calendar year. The next year you can reassess. Once again on Medicare information, I would s...
by Shallowpockets
Mon Oct 01, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Can old perfumes/cologne be used?
Replies: 15
Views: 1324

Re: Can old perfumes/cologne be used?

Please don't start using them when on an airplane.
by Shallowpockets
Mon Oct 01, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Where to put my play money, in taxable or sheltered?
Replies: 9
Views: 780

Re: Where to put my play money, in taxable or sheltered?

As above poster mentioned. Why do you even have any tax deferred space available?
You should be maxing on that before considering this play money.
by Shallowpockets
Sun Sep 30, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Help me manage my day to day bills to save more!!
Replies: 45
Views: 3505

Re: Help me manage my day to day bills to save more!!

Shut down the pool. That would be a big savings. Also you have a toddler and one on the way. Small children drowning in pools is something that you should be thinking about. Is that $300 a month? Wow! If you can't start with a big saver item like than then you may not be as serious about saving as y...
by Shallowpockets
Sun Sep 30, 2018 11:27 am
Forum: Personal Finance (Not Investing)
Topic: 8606 mess and what to do
Replies: 41
Views: 3984

Re: 8606 mess and what to do

The OP and one other person here have had problems with their tax accountant. The OP has problems now dating back to poor tax accounting in the past. This is another reason to do your own taxes. Computers programs, all that. Why would you need a tax accountant? Maybe you have a difficult tax situati...
by Shallowpockets
Fri Sep 28, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: Costco vision / first time at Costco
Replies: 21
Views: 1855

Re: Costco vision

You want to know the difference? Costco will give you a price on whatever glasses and lenses you want that they have. Then go to your regular optometrist and use your insurance and get a quote. I used to have an optometrist. Their glasses frames started above the cost of the entire glasses at Costco...
by Shallowpockets
Fri Sep 28, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Friend got back to me after my advice
Replies: 18
Views: 3845

Re: Friend got back to me after my advice

Sadly most people,know so little that when they have a 401k at work and you ask them where their money is invested, they state, "the 401k". They have no idea that that is just the vehicle for the money. Same with an IRA setup. They think that the IRA is the investment. So you can imagine how a FA ca...
by Shallowpockets
Thu Sep 27, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2121

Re: Testing validity of Monte Carlo Simulators

There is skepticism. No doubt about it. People dismiss any model that tries to give some sort of forecast to your money. Data bad, what data, forgot some data, data insufficient. That is skepticism. So, I pose this question. What do you use to help you forecast your financial future? Remember, other...
by Shallowpockets
Thu Sep 27, 2018 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2121

Re: Testing validity of Monte Carlo Simulators

People seem very skeptical of MC simulations. Garbage in, garbage out. Past results mean nothing going forward. Do you really believe that there is no effort on the part of those that create the financial MC at, say Fidelity, are wholly lacking in finesse and integrity that they create an MC model t...
by Shallowpockets
Wed Sep 26, 2018 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Testing validity of Monte Carlo Simulators
Replies: 34
Views: 2121

Re: Testing validity of Monte Carlo Simulators

I have a result based on significantly below market average and a monthly withdrawal rate about 20% higher than I actually need. Using these parameters I feel I have a buffer built into the simulation. Therefore since retired, only 2.5 years, I am well under the actual numbers of drawdown, but well ...
by Shallowpockets
Tue Sep 25, 2018 9:09 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8972

Re: Losing Passion for Hobbies. Cheap or normal aging?

WOW! Only 33 and already at this point. Losing passion for hobbies is something maybe we older BHs may run across. I guess families can do that to you. Probably a good thing so that you are not away and doing your hobby while the kids need to be attended to. A self defense mechanism. No hobby, more ...
by Shallowpockets
Mon Sep 24, 2018 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to get $100k cash
Replies: 86
Views: 7620

Re: Best way to get $100k cash

This is a curious post. If you can pay off the 100k in a year, why not just pay the 100k on your mortgage over that year? Surely the amount of interest is not that bad. You have been paying interest on your mortgage through the previous payments. I fail to see how this jockeying around money amounts...
by Shallowpockets
Mon Sep 24, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1921

Re: Mom needs hip revision: how can I fight on her behalf?

Maybe you were not blown off at Mayo. How long have you waited since the reply they sent? Things move slowly in the medical corporate world. Even though it is the Mayo clinic I can imagine that fixing a hip that has been fixed already three times would be fraught with complications of the actual sur...
by Shallowpockets
Sun Sep 23, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: squeaky lock and hard to turn key
Replies: 18
Views: 1033

Re: squeaky lock and hard to turn key

I'll bet YouTube has something on this.
by Shallowpockets
Sun Sep 23, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6350

Re: Emotional Investor - I'm a mess and need help!

I hope your emotional investing problem gives you insight into the failure of your patients to adopt lifestyles that would make them healthier. Obesity, smoking, drugs, diet, all the things a physician would advise on. So when you advise and they do not carry through do not shake your head and see t...
by Shallowpockets
Fri Sep 21, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6479

Re: My Very First Smartphone — Please Critique This Plan

We went same route as you, this spring. Got an unlocked Moto G5 Plus since it was recommended so frequently on a similiar thread here on BH. Less than $200 each. Used it in Europe with a SIM card bought there. Now have MINT service. You can get 7 days trial for $5 and convert to a 3 month $45 plan. ...
by Shallowpockets
Tue Sep 18, 2018 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Dilemma: Add room to current house or buy new house?
Replies: 93
Views: 4813

Re: Dilemma: Add room to current house or buy new house?

This is a dilemma when you have too much money and a wife. It is as if you are in some sort of reality show and you need a problem to chew on. A 100-150k 320 square foot room verses buying a new house because 2000 sq feet on the first floor is cramped. You need to read that sentence a few times. Lik...
by Shallowpockets
Mon Sep 17, 2018 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Organizing an unplanned portfolio and dealing with LTCG
Replies: 14
Views: 1337

Re: Organizing an unplanned portfolio and dealing with LTCG

I have about he same LTCG in my AMZN. Same dilemma. I am retired with only SS needed as income to live so my taxes are low. Do I want to push myself up over the 87,500 point and pay more for my Medicare. Also hate to pay more taxes. I sold 15 shares about a month ago. I ran my tax return through var...
by Shallowpockets
Sun Sep 16, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: Parallels between investing and fantasy football?
Replies: 14
Views: 815

Re: Parallels between investing and fantasy football?

Sounds like sports trumps money. For most people. They would not do the most basic of research usually from non interest, but will memorize, examine, speculate on fantasy football and baseball, endlessly. You can do both, but those who don't approach their money the same way they do their fantasy ar...
by Shallowpockets
Sat Sep 15, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Then and Now - Lucky Me, Lucky You?
Replies: 10
Views: 932

Re: Then and Now - Lucky Me, Lucky You?

What forethought are you giving the problems that exist now? Everything written by the OP is about economics and money. The present generation may be saddled with the outcomes of these changes, but the current generation has impacted many social changes unrelated to money and not all of them are goo...
by Shallowpockets
Sat Sep 15, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 2971

Re: Do you use social media to enhance your travel experience?

This is a dilemma. I do not use social media, but I do send back some photos and accounts to select people. Some of them are travelers themselves and some not. To those who are not I feel that maybe they would get out and about more often, especially if they have a dream that they have never realize...
by Shallowpockets
Sat Sep 15, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5496

Re: [Wearing] Shorts in Egypt

Obviously if you are on a boat on the Nile, you are a tourist. Go ahead and wear your shorts. Otherwise wear your long pants when out and about. In a place like Eygypt you want to minimize your target value. Both from an annoyance, hustlers and vendors, and from a terrorist standpoint. You will most...
by Shallowpockets
Wed Sep 12, 2018 10:26 am
Forum: Personal Consumer Issues
Topic: Toilet Makes A Flushing Sound Occasionally
Replies: 37
Views: 2896

Re: Toilet Makes A Flushing Sound Occasionally

Many posts here. The most probable and easiest fix was to replace the stopper valve. With this fix so very simple and easy, I am wondering what the OP has done. Have you tried this?
by Shallowpockets
Wed Sep 12, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5212

Re: Advice on how to deal with barking dogs

You are a great dog owner then. I commend you. But you are not typical. Those whose pets are noisy and loud and disturbing the neighborhood are not like that. History is full of incidents where noisy dog owners have responded aggressively and there have been sufficient reports of assault by those ow...
by Shallowpockets
Tue Sep 11, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3139

Re: Remodel for aging in place

Laundry in the basement can be especially hard and unsafe due to having to carry a laundry basket down and up. Even if it is not heavy, it is an impediment to balance, vision, footwork. Is an elevator in a house a negative or a positive on a sale of the house? I would expect it might be a negative u...
by Shallowpockets
Mon Sep 10, 2018 8:35 am
Forum: Personal Consumer Issues
Topic: Advice on how to deal with barking dogs
Replies: 59
Views: 5212

Re: Advice on how to deal with barking dogs

I am going to court this afternoon for a barking dog complaint. It is the city against the dog's owner wih me as a witness. This because you cannot remain anonymous for a complaint. I finally am going this route. I would expect very little when confronting the dog owners. Dog owners are some of the ...
by Shallowpockets
Sat Sep 08, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sales issues with taxable and non-IRA retirement accounts
Replies: 30
Views: 1930

Re: Avoiding wash sales issues with taxable and non-IRA retirement accounts

Seems like the best way to avoid a wash sale on a capitol loss is to not buy same/similar security within the 30 day period. A capitol loss by itself is not a wash sale. The 30 day rule before and after is the qualifier. So if someone really needs their funds and sells at a loss, the only qualifier ...
by Shallowpockets
Sat Sep 08, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: Buy a house that needs full renovation?
Replies: 40
Views: 1739

Re: Buy a house that needs full renovation?

OP. You used the word "stress" several times in your posts. You should examine that as the whole scheme seems it will increase that stress level by a large margin. Your entire life will be off kilter for an extended period of time. And in the end you will just have a house. There have to be other ar...
by Shallowpockets
Sat Sep 08, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Does market timing have to be perfect to be effective?
Replies: 35
Views: 2534

Re: Does market timing have to be perfect to be effective?

One might employ their market timing to short term trading instead of locking your money up on a longer basis. Seems like most are focused on market timing as in individual markets, international, sectors, etc. with a timeframe that is finite, buf not defined, but definitely maybe months or more pro...
by Shallowpockets
Tue Sep 04, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: I want to pry my friend away from Edward Jones
Replies: 71
Views: 7740

Re: I want to pry my friend away from Edward Jones

There is a certain upscale feeling for people to have an FA. They may believe it is a status symbol. Like having your own lawyer. Or "my doctor", as if he was a personal physician. Medicine, law, finances. All mysterious to most people. Better to have your own guy. Kind of a professional list for yo...