Search found 601 matches

by Shallowpockets
Sun Aug 19, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 87
Views: 6268

Re: Elderly Relative Short on Money

Example: 1. Suspend SS until age 70 2. Purchase a SPIA with $200K of assets: with 6% payout that provides $1000/mo. 3. Invest $90K in a 5-year TIPS or CD ladder, $18K/yr. year 1 would just be cash as it will start being spent now. Until age 70 she gets $1000/mo. nominal from the SPIA and $1500/month...
by Shallowpockets
Sat Aug 18, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: New Zealand
Replies: 14
Views: 1060

Re: New Zealand

Well, you got your north island and your south island. A Google search would be a start to whittle things down for you. Trout fishing in the mountains is a narrow interest. Probably Google that also. There are also guide books likely available at your library. You won't be seeing all of New Zealand ...
by Shallowpockets
Wed Aug 15, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: As an American, where are some great places in the world to retire?
Replies: 105
Views: 9036

Re: As an American, where are some great places in the world to retire?

That sure is an open ended question. Perhaps you could talk to your dad. Perhaps you could do a google search on retirement places. Perhaps you could read some other threads here that dealt with this before. Perhaps you could research some of this stuff so you have knowledge before posting such an o...
by Shallowpockets
Tue Aug 14, 2018 3:57 pm
Forum: Personal Consumer Issues
Topic: Plan us a trip !
Replies: 15
Views: 1578

Re: Plan us a trip !

Such a straight forward question. Thinking of all the planning I do to find a place to go, how long, what to do and what to see, I think that doing it for you would be much work. You could Google many things, read some travel magazines. So much you could do to help yourself here. At least a start. T...
by Shallowpockets
Tue Aug 14, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Using Uber Without A Cellular Data Connection
Replies: 25
Views: 2431

Re: Using Uber Without A Cellular Data Connection

If you are using Uber for this airport trip when it is otherwise so easy to take the train, then you need a cell phone. Why? Because with that sort of convenience desired you will most likely need it a second time for an Uber or to make and take cell phone calls. It does not seem like your type of t...
by Shallowpockets
Mon Aug 13, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1747

Re: Uninsured Motorist coverage

The very fact that there is uninsured motorist insurance is a problem right up front. Uninsured motorists on the roads must be more than a casual occurrence. It must have reached a level that mandates you get it. Yet, in my state, it is mandatory to have car insurance coverage. It seems that the bal...
by Shallowpockets
Sun Aug 12, 2018 11:17 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 4758

Re: How often do you check your brokerage accounts

Every day check on brokerage account. Unless vacation. Keep up on the markets. Bull or bear, need to check. Feel good during the bull times. During the bear times checking is to translate market news into numbers related to me. On worse day of the year type stuff I look and keep my numbers for that ...
by Shallowpockets
Sat Aug 11, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe:Don’t Go “Mad Money”
Replies: 22
Views: 3157

Re: Larry Swedroe:Don’t Go “Mad Money”

Cramer has knowledge and resources. Way more than I have and also he knows how to look at a company. Plus, entertaining. His suggestions bear listening to if you may be into short term trading. For me to find the things he talks about would be a huge time and search commitment. You do have to sepera...
by Shallowpockets
Sun Aug 05, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Apple Stock
Replies: 13
Views: 1612

Re: Apple Stock

What is a small amount of shares? At 100 shares you have a gain over 4 years of 68%. That is 17% a year, but only $8200. Dollar amounts matter. Percentages look great. If a stock doubles in one year, wow! But if you had $1000, now you have $2000. Not such a big deal in the overall retirement numbers...
by Shallowpockets
Sun Aug 05, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How do you keep your math skills sharp?
Replies: 29
Views: 1515

Re: How do you keep your math skills sharp?

Math is good for BHs. However, it only goes so far. Once you have your answers you still have to decide what to do.
That is the essence of what you see posted here on the forum.
Seems people can figure out the math, but they cannot make a decision based on what they have.
by Shallowpockets
Sun Aug 05, 2018 7:39 am
Forum: Personal Consumer Issues
Topic: UK vacation help
Replies: 15
Views: 706

Re: UK vacation help

I imagine your intinerary having the two travel days is your transatlantic flights. I think you better factor in a couple more travel days to get to and from this other trip within a trip. I did three weeks in Scotland this spring. Did not see whole country. Looks like you have been to other Europe ...
by Shallowpockets
Sun Aug 05, 2018 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Stress testing my portfolio
Replies: 28
Views: 2019

Re: Stress testing my portfolio

Yours is a numbers analysis only. I think that a stock market drop of 50% would have a psychological impact also. Other things would change in response to this new situation, in business, consumer response, the banks, the government. Your own outlook may change. Likely your expenses will be subject ...
by Shallowpockets
Fri Aug 03, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: How to Start CC Churning
Replies: 33
Views: 3783

Re: How to Start CC Churning

If you are not much of a traveler or you do not have the time as you stated, then why even jump into this? I am a traveler and I only do it in regards to bonus miles. 50,000 or more. This is usually predicated on spending 3K in three months. But, I am not a churner. If you accrue miles due to dollar...
by Shallowpockets
Fri Aug 03, 2018 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Land Purchase Possible or Forget About It?
Replies: 20
Views: 1727

Re: Land Purchase Possible or Forget About It?

Try and find a way to see when and if an offer is made on the land, then you can counter. Otherwise go with the same thinking of your father. That this land will not be able to be developed, not even a road or driveway to it. Access is paramount and it seem that it is not readily, easily, practicall...
by Shallowpockets
Fri Aug 03, 2018 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Home is *just* outside flood zone - how much flood insurance do I buy?
Replies: 50
Views: 2837

Re: Home is *just* outside flood zone - how much flood insurance do I buy?

You are on the edge of the flood zone, until you are not. More and more adverse and unusual weather these last few years. Think about that. Then you have a property at 260K, so your initial basis on your stats for coverage should start not at the bottom end but at the top end and then think it down,...
by Shallowpockets
Thu Aug 02, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: New job commute
Replies: 64
Views: 3501

Re: New job commute

Three hours a day in the car is three hours a day you have extra exposure to an accident. Your fault or not it will cost. Then you maybe cannot even get to work in the days following the accident, even if you are not hurt. Your attitude suggest that you will probably end up cranky, tired, aggravated...
by Shallowpockets
Thu Aug 02, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Ticks and common sense?
Replies: 74
Views: 4037

Re: Ticks and common sense?

You think that counterclockwise motion is significant? What happens clockwise?
by Shallowpockets
Thu Aug 02, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Gated communities pros and cons? (Atlanta or anywhere.)
Replies: 67
Views: 4211

Re: Gated communities pros and cons? (Atlanta or anywhere.)

I think the criminals see a gated community as a target rich environment.
by Shallowpockets
Thu Aug 02, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Hiking vacation in November - any recomendations?
Replies: 35
Views: 2000

Re: Hiking vacation in November - any recomendations?

Moab might suit you. All the amenities. You could either camp or stay in a hotel. Arches is right there. You could hike to all the Arches in the park. Accessible from the road (only one road). It would be a long day to do all the Arches, so you could split to two days. Then a few hikes out in Canyon...
by Shallowpockets
Wed Aug 01, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Financial upside / downside of marriage vs cohabiting
Replies: 74
Views: 5801

Re: Financial upside / downside of marriage vs cohabiting

How would you feel if the financial numbers were reversed and you were involved with someone who made way more than you. Then, you were expected to take care of the child, forgoing your work or career for many years? There are finance and there is doing the right thing. You should have thought of th...
by Shallowpockets
Wed Aug 01, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: What’s your Value Colombian coffee?
Replies: 51
Views: 3209

Re: What’s your Value Colombian coffee?

I doubt any coffee sits on the shelf for two weeks at Costco. At least it is in a sealed bag. At your local shop you may find coffee in bins exposed to light and air. Any place you go you would be hard pressed to find coffee less than two weeks. There is shipment from origin, processing, etcetera ti...
by Shallowpockets
Wed Aug 01, 2018 9:04 am
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2164

Re: First smartphone:What to buy and what prepaid plan to sign on?

Same boat here, but not for a child. For me. Forced to enter the cell phone world. I got a Moto G5 Plus, unlocked. Already used it and switched SIM cards when overseas. Had TracFone, but now switching to MINT. $45 for three months. Unlimited calls, text, 2GB data renewed each month. Service is T Mob...
by Shallowpockets
Wed Aug 01, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Medicare supplemental, etc.
Replies: 24
Views: 1446

Re: Medicare supplemental, etc.

I also recommend Medicare for Dummies. If you don't get it then you are not serious about learning about Medicare. You don't know what you don't know and you will not find everything out on this forum. If you cannot afford the book, then you are not ready for retirement.
by Shallowpockets
Mon Jul 30, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Two Days on Long Island
Replies: 16
Views: 1479

Re: Two Days on Long Island

Don't know where your live, but on L.I you should definitely go to the beach. Jones Beach is good. They have an array of parking fields all along miles of ocean. The beach in between these parking areas you can be alone if you don't like crowds. No need to go all the way out to the Hamptons. Parking...
by Shallowpockets
Mon Jul 30, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9344

Re: Tips for staying active / injury-free into older age

When staying active as an older person it is wise to assess your efforts. Are you just going through the motions? Are you just going to the gym and making believe you are working out? I ask this because so many of the old people at my gym seem to be fooling themselves. They do not seem to understand...
by Shallowpockets
Mon Jul 30, 2018 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 91
Views: 6797

Re: Are Credit Cards Actually Convenient?

Never had a CC declined. Must be something wrong there. You need to call and find out why. CC are more than convenient, they are a necessity. If you buy anything online, you need one. Maybe if you live in a bubble you could use only cash. How would you even buy an airline ticket without a CC?
by Shallowpockets
Fri Jul 27, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9344

Re: Tips for staying active / injury-free into older age

OP. I have lived my entire life working out one way or another. Still do. I have assorted aches and pains now and then. If you push yourself as you say, you will also. It is the nature of the game. I was recently on a month long vacation where the only exercise I did was walking. During that time I ...
by Shallowpockets
Thu Jul 26, 2018 1:36 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 9278

Re: Toughest Purchase of my Life. Engagement Ring time

So, what do you think the wedding might cost you?
by Shallowpockets
Thu Jul 26, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1350

Re: disposable cell phone

You are only two days in Vancouver. Can't you do without a cell phone for that timeframe? You have a Jitterbug phone so I am thinking you are not a big phone user. I saw on Jitterbug site you can call from outside US international calling rates will apply. So there you go. before you look around and...
by Shallowpockets
Thu Jul 26, 2018 8:36 am
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3771

Re: negative comments about "Brazil nuts"

OK. I just looked up Brazil nuts on Amazon. Right from the start I see nothing but 5 stars rating looking down the list. I read a few comments without getting into it too far. I guess you are reading all the negative comments, and having to find them looks like you would have do do some extensive re...
by Shallowpockets
Thu Jul 26, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: negative comments about "Brazil nuts"
Replies: 32
Views: 3771

Re: negative comments about "Brazil nuts"

Negative comments about Brazil nuts? What's the problems they state? Is it the nuts or is it Amazon? Are nuts that variable across the board that you would get bad Brazil nuts? Come on, they are nuts. Buy some and taste them and then if you like them, get some more, or not as the case may be. Not ro...
by Shallowpockets
Thu Jul 26, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: How to Learn Italian (a little) Before Trip to Italy
Replies: 34
Views: 2059

Re: How to Learn Italian (a little) Before Trip to Italy

Put an app on your phone that says the phrases you want. Then listen and learn. All you need to do in Italian is to be polite. Thank you, please, hello, good bye. Most of your face to face will be eating and your hotel and directions. If you need a word look it up on the app. You are not going to le...
by Shallowpockets
Thu Jul 26, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: How early to get to an airport (JFK specifically) for domestic flight
Replies: 21
Views: 1629

Re: How early to get to an airport (JFK specifically) for domestic flight

What would you be doing that would make you NOT arrive earlier than you may think is necessary? You either wait at home, or work, doing kill time things and leave in just enough time to arrive, or you just go early and without stress make your way through the traffic, security, etc and get to the ga...
by Shallowpockets
Wed Jul 25, 2018 10:16 am
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7822

Re: Son Hurt at Summer Camp

bottlecap wrote:
Wed Jul 25, 2018 8:34 am


Opinions to the contrary are not based in logic or reason.

Only you can decide what is fair for your son.



JT
Not at all true.
by Shallowpockets
Wed Jul 25, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3204

Re: Intermittent Fasting

You mention working out in an empty stomach, but don't say when you eat your protein. Fasting is based on time intervals. Are you looking to extend that after exercise timeframe until you eat? Not enough info from you. Seems to me that fasting is usually attached to some psychological reason and not...
by Shallowpockets
Tue Jul 24, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which doctor should I go to?
Replies: 26
Views: 1739

Re: Which doctor should I go to?

You have got to be kidding. I thought perhaps all the strange posts on BH had already been posted in some fashion or other. Now this.
This is not a personal fiancé question. Not even related.
by Shallowpockets
Tue Jul 24, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Son Hurt at Summer Camp
Replies: 65
Views: 7822

Re: Son Hurt at Summer Camp

Maybe your son not ready for the dangers at a camp. Surely there are games, activities, other hazards all around, baseball bats, trees, playgrounds, other children, climbing activities. To lose ones balance in a hallway doesn't sound like something would happen to a kid. Then again the circumstances...
by Shallowpockets
Mon Jul 23, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 2913

Re: Mother-in-Law criticizing my wife over our recent house purchase

Your MIL is an unpleasant person. Disinvite her to your house. You don't need that. Neither does your wife. It's best to keep unpleasant people at arms length. They do not add anything to your life. Quite the contrary. They detract. You have a new house, a new baby soon to be. You don't need this. L...
by Shallowpockets
Mon Jul 23, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5095

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

Personally I do not understand the collection mindset. It is sort of a focused hoarding. And to spend large amounts of money on them seems out of touch. That said I am interested in people's collections, if only for the sake of looking at all he variety of things people have collected. So I do enjoy...
by Shallowpockets
Sun Jul 22, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest financial decision of my life: selling a big wad of options
Replies: 46
Views: 5145

Re: Biggest financial decision of my life: selling a big wad of options

This is not an unfamiliar subject on these board. Windfalls of stock, options, etc. Posters never seem to want to name the stock. Why? I am curious, not on the why, on the stock. Would there be some financial or secret reason people will not say? To break the ice. I also have a position, AMZN, with ...
by Shallowpockets
Sun Jul 22, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buy house for retired mother?
Replies: 72
Views: 4975

Re: Buy house for retired mother?

This is what 40 year olds think of their parent who is 69. 69 is hardly old to me. I am 67 and in the same ballpark and I don't have or need anyone to manage my life in such a way. Doesn't seem like BHs would think of themselves as old like that. Not on this forum, but perhaps we are shuffled into t...
by Shallowpockets
Sun Jul 22, 2018 12:13 pm
Forum: Personal Consumer Issues
Topic: JFK Traverlers: How to go from NJ to JFK and the opposite?
Replies: 48
Views: 2286

Re: JFK Traverlers: How to go from NJ to JFK and the opposite?

I agree with others on the too many bags. That is your core problem here. And it will be a core problem when you arrive. and when you depart and return. Every time you move, a core problem. Time to pack. Even moving the bags from hotel room to lobby. Unless you are using bellmen and trolleys. Erase ...
by Shallowpockets
Sat Jul 21, 2018 7:53 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 75
Views: 10999

Re: I may have understood why it's so hard to save and invest

This is the exact problem that most people have when doing a 401k at work. They have not reached a threshld whereby they feel like they have anything at all to get excited about. That threshold will be different for all people. If you are minimum wage and you hit even $1000 in your plan you would fe...
by Shallowpockets
Sat Jul 21, 2018 7:44 am
Forum: Personal Consumer Issues
Topic: Best luxury vinyl plank flooring?
Replies: 19
Views: 1771

Re: Best luxury vinyl plank flooring?

Another pressing question this morning. Don't use the glue flooring. Why would you do that? Messy, no recourse for errors. The snap lock kind is just fine. So eliminate the glue flooring and your maze is smaller right there. Then you have a thick or thinner type. Vinyl flooring of this sort is easil...
by Shallowpockets
Sat Jul 21, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Wine chiller
Replies: 11
Views: 894

Re: Wine chiller

I have a sleeve that stays in the freezer. It slips over a wine bottle and does the job well.
Maybe you can just use an ice cube in your glass. That works well too.
by Shallowpockets
Wed Jul 18, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: Europe travel Qs [Questions]
Replies: 63
Views: 3572

Re: Europe travel Qs

Use an ATM card for the cash. Preferably a card that reimburses ATM fees. I use Schwab. Get your cash as you need it. There are ATMs all over. You can use the airport ATM when you land. They take CC over there with no problem. They will usually bring a handheld CC machine to the table. Not take your...
by Shallowpockets
Tue Jul 17, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a vacation home while renting
Replies: 61
Views: 3822

Re: Buy a vacation home while renting

I am the millionaire next door. No vacation homes. I just rent when I go away. I think that the "vacation home" in America is oftentimes a one up game. With the kind of money you make I am sure you are exposed to others with similar or more incomes and you might want to get on the bandwagon too. It ...
by Shallowpockets
Tue Jul 17, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9735

Re: Why own a bed?

Why own chairs. They take up dining room space. Use a bar height table and you can stand. Although this is a human interest thread for playing around, it is in the same class as the recent thread on how to get a $100 bill.
by Shallowpockets
Tue Jul 17, 2018 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Families - What's your total annual credit card spend?
Replies: 92
Views: 6893

Re: Families - What's your total annual credit card spend?

Looking at the CC spend rates posted here makes me wonder how people manage to get multiple business class or upgrade trips with mileage awards. At a range here of 40k to 110k (throwing out the outlier of 500k) I don't see how this translates to such frequent and upscale airline travel. You do not a...
by Shallowpockets
Mon Jul 16, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: Should I cancel my Colorado trip due to wildfires??
Replies: 19
Views: 1919

Re: Should I cancel my Colorado trip due to wildfires??

I am glad you enjoyed your visit to Colorado. I live here and just did a small trip to Crested Butte. No fires in our way at all. A beautiful drive from here to there. Almost any drive in Colorado will be beautiful. So much so that you are not even noting it after a few hours in the car. Have a nice...