Search found 1141 matches

by Shallowpockets
Tue Jun 25, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 49
Views: 3032

Re: How did you lower your annual expenses?

OP. You,don't say what categories you found to be an elevated expense for you. There are many suggestions here to cut costs. We don't know what you expect your costs to be either. To be simple I would start with groceries and food expenses. Likely you are overspending on that. You may find you throw...
by Shallowpockets
Sun Jun 23, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7125

Re: How do you approach tipping at carry-out restaurants

Obviously there is a need to tip here. All those folks being paid substandard wages. Wasn't that a popular issue with Walmart and Amazon? Let's be real here. Restaurants should have mandatory "fees" associated with dining to cover the cost of the table, napkins, wifi, and parking. Just like a resor...
by Shallowpockets
Sun Jun 23, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: How do you approach tipping at carry-out restaurants
Replies: 111
Views: 7125

Re: How do you approach tipping at carry-out restaurants

Obviously there is a need to tip here. All those folks being paid substandard wages. Wasn't that a popular issue with Walmart and Amazon? Let's be real here. Restaurants should have mandatory "fees" associated with dining to cover the cost of the table, napkins, wifi, and parking. Just like a resort...
by Shallowpockets
Thu Jun 20, 2019 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Getting my own Chase Sapphire Reserve or added as authorized user?
Replies: 23
Views: 1802

Re: Getting my own Chase Sapphire Reserve or added as authorized user?

You dine out on weekends to the tune of $25 each. Skip a month and you have covered the $75 fee (after the $300 credit).
Much ado about nothing.
by Shallowpockets
Wed Jun 19, 2019 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Posponing FIRE to go back to School
Replies: 20
Views: 1695

Re: Posponing FIRE to go back to School

OP - as others said. Get yourself another job in the same profession. We are now at record level of employment. Surely there are pharmacist jobs out there. Have you looked? You need a change of pace. No one should be in the position you are, working those long or irregular, or on call hours. How har...
by Shallowpockets
Wed Jun 19, 2019 8:26 am
Forum: Investing - Theory, News & General
Topic: Investing in Multiple Streams of Income? (NOT get rich quick)
Replies: 89
Views: 6975

Re: Investing in Multiple Streams of Income? (NOT get rich quick)

OP, you are 28. Time is on your side for basic accumulation. Is this extra income what you want now to better your lifestyle? You could do all the side hustles you want. Then you trade off time in the other direction. Time works in saving and investing, but with side hustles, you essentially spend t...
by Shallowpockets
Mon Jun 17, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Recommendation for light beer.
Replies: 41
Views: 2552

Re: Recommendation for light beer.

One thing about light beer is you can drink a lot of it, and people do. Seems Iike the light beer crowd always has a fresh beer. To OP, you may have less calories in that light beer, but it doesn't bode well to be knocking them back like a chain smoker. I am drinking my regular ABV craft beer whilst...
by Shallowpockets
Sun Jun 16, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Anyone make their own tortillas?
Replies: 33
Views: 2783

Re: Anyone make their own tortillas?

I am pretty sure they are no uncooked tortillas in Costco. In fact, I have never seen uncooked tortillas anywhere for sale. Corn or flour, they always cooked. You can eat them right from the bag.
by Shallowpockets
Sun Jun 16, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: how is Home Depot's contractor service (for a water heater)?
Replies: 53
Views: 4094

Re: how is Home Depot's contractor service (for a water heater)?

We had bathroom work done by Lowes contractors. The best thing here is that I dealt with Lowes. They were my primary. I did not have to dicker around with the contractors. Much easier to have an intermediary than dealing with the contractors direct. We did have a problem and I talked to Lowes about ...
by Shallowpockets
Thu Jun 13, 2019 7:08 am
Forum: Personal Finance (Not Investing)
Topic: Late Life/End of Life Expenses
Replies: 38
Views: 3756

Re: Late Life/End of Life Expenses

The end of life could come sooner than your less than 4% withdrawal rate. You could die suddenly, or within a year. End of life always seems to be thought of as long years of care in a setting of good food, activities, and quality of life. Your mileage may vary. This means that while you have good f...
by Shallowpockets
Wed Jun 12, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Best women's starter golf clubs?
Replies: 17
Views: 821

Re: Best women's starter golf clubs?

Sounds like it is golf for business. Specifically golf for your boss and his business. No way he thought this out at all. Does he golf? You will have to dress, talk and look the part, including your clubs. Right now you don't know a pitching wedge from 7 iron. You are being thrown to the wolves ther...
by Shallowpockets
Tue Jun 11, 2019 7:56 am
Forum: Personal Investments
Topic: Monte Carlo Simulation
Replies: 44
Views: 3583

Re: Monte Carlo Simulation

i understand the premise behind skepticism regarding MC simulators. What I don't understand is what other means one might use to try and plan for the future. Since we cannot input future data, we only have the past. How else to manage things? People say, garbage in, garbage out, but that is simplist...
by Shallowpockets
Sun Jun 09, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: Having lunch with a retiree
Replies: 16
Views: 2452

Re: Having lunch with a retiree

I would want to know their former annual expenses and how much they had when they retired and how that works out for them now. Was it realistic? What are their sources of income and how do they do that? What is their lifestyle, before and now? Did their projections allow them to live the way they wa...
by Shallowpockets
Sun Jun 09, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: Car Top Carrier
Replies: 18
Views: 1262

Re: Car Top Carrier

Why not rent a pickup truck and get it done. One way or RT. Might be better for packing , safety, etc. you can see the price of Thule or Yakima carriers. May be cheaper to rent.
by Shallowpockets
Sat Jun 08, 2019 11:56 am
Forum: Personal Investments
Topic: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)
Replies: 35
Views: 5988

Re: Moving from Rat Race to FIRE, Near All-Time Highs (Best Way to Invest Account Sitting in 100% Cash)

I'm curious. You have >$1m in cash now. Surely you did not acquire that in one fell swoop. So what the heck was going on with investing over the years as you accrued that? Why weren't you in the market at $500,000 or before. Surely at some point you must have realized you did not need all that money...
by Shallowpockets
Fri Jun 07, 2019 2:50 pm
Forum: Personal Consumer Issues
Topic: Bee removal
Replies: 13
Views: 949

Re: Bee removal

Anyone have experience with this? You seem to have experience with this because you just saw it done. Why can't you yourself copy what just happened with your other irrigation valve box? +1 OP, why even post this. Go get some screen and get it done on your other boxes. This thread should be locked ...
by Shallowpockets
Fri Jun 07, 2019 7:49 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2750

Re: how to deal with people who are not living boglehead way of life

It is not your job to educate people. Don't know why you are trying. As for the ones close to you ho ask or demand money, say not. Say it emphatically and repay as necessary. It is not your job to bail,them out. Let them live sir lives and you live yours. Let it go. Seem like it is gnawing at you. W...
by Shallowpockets
Wed Jun 05, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Being given charity that I don't need
Replies: 45
Views: 3544

Re: Being given charity that I don't need

Seems you have explained your side to her. Why not ask her why the discount? No where does it say you have done that. Pretty simple.
by Shallowpockets
Wed Jun 05, 2019 12:30 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4779

Re: Company requiring salaried employees to clock in?

What's the fuss here?
Perhaps it is because salaried employees feel themselves above having to clock in, unlike many who have to use a time stamp of some sort. It's a percieved status and class situation, and that is one of the markers. Clocking in drops you down on the totem pole. Yikes!
by Shallowpockets
Tue Jun 04, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Any Mint Mobile customers here?
Replies: 37
Views: 2050

Re: Any Mint Mobile customers here?

I have Mint. The cost of Mint is low. OP could try it out for 3 months and see what he thinks.
I have not had to call customer service so cannot answer to that question.
by Shallowpockets
Tue Jun 04, 2019 7:54 am
Forum: Personal Consumer Issues
Topic: Autos and transportation near retirement
Replies: 33
Views: 2073

Re: Autos and transportation near retirement

My end of life vehicle is a hearse or an ambulance. Until then I don't waste my time speculating on all this, I drive what I have and will make changes to that as necessary. Getting a new vehicle for retirement purposes that are now being taken care of with what you have is like timing the market.
by Shallowpockets
Tue Jun 04, 2019 7:48 am
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6988

Re: Do you drive old cars for long distance travels?

These threads are unique to BH and always hilarious. Do people not maintain their cars? Make sure you're up to date on routine maintenance (ie. oil & filter changes), check the tire pressure, oil level and coolant before you go. That's it! Waiting a number of people chiming in to say "You should re...
by Shallowpockets
Tue Jun 04, 2019 7:41 am
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4274

Re: Amazon free shipping, bait-and-switch?

I am paying Prime and getting free shipping. To me you should not get free shipping excepting the greater than $25 purchase. Why should you get free for free when I am getting free for Prime? OP seems to have a bee in his bonnet about Amazon overall. You can see this in the title of the post. A lot ...
by Shallowpockets
Mon Jun 03, 2019 3:38 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6988

Re: Do you drive old cars for long distance travels?

If you car doesn't make that 500 miles, you get it towed, access the repairs, maybe take your stuff out of the car and fly, or rent a car and go home. You need to change your username to Mario Andretti......or Ed Bolian (current record holder of the Cannonball). 500 miles in 5 hours is....well....y...
by Shallowpockets
Mon Jun 03, 2019 2:22 pm
Forum: Personal Consumer Issues
Topic: Golf interest rekindled after decades - My son created a monster! Now what?
Replies: 31
Views: 2544

Re: Golf interest rekindled after decades - My son created a monster! Now what?

Now what? This is it. You had a first good drive and a nice 6 iron onto the green. That is how it is. You have a shot that works and you think you are OK and all is rosey and the next shot is a skunker. It will lure you back with those intermittent good shots. Just as your fishing does. Almost the s...
by Shallowpockets
Mon Jun 03, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Do you know someone who has anti-boglehead lifestyle?
Replies: 9
Views: 965

Re: Do you know someone who has anti-boglehead lifestyle?

Wow, your parents are rewarding your brother, so why should he be a BH. Maybe that is his route to retirement. Looks like he put his finger in the wind and found which way it blows and now he is headed downwind to financial security.
Sounds like a plan. Very individual though, not like index funds.
by Shallowpockets
Mon Jun 03, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 6988

Re: Do you drive old cars for long distance travels?

Of course we do. What's the problem if the car runs right? Then again maybe the BH philosophy does not intersect very well with the oft stated fears here of safety of older vehicles. A true BH would have AAA or Good Sam towing insurance with unlimited towing. If you car doesn't make that 500 miles, ...
by Shallowpockets
Mon Jun 03, 2019 1:39 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3695

Re: Havasupai, Have a Sticker Shock

Is it worth it? Well, you say you have had many years of business trips to AZ and never made the time. You let time pass for the sake of job then. Now you have the chance. And now, having made reservations you are unsure. You can let it pass, once again. And yet, it is your dream and now you are mid...
by Shallowpockets
Sun Jun 02, 2019 5:24 pm
Forum: Personal Consumer Issues
Topic: Should I buy Euros from local bank or use ATM in Europe
Replies: 37
Views: 2138

Re: Should I buy Euros from local bank or use ATM in Europe

This forum has seen this same same subject over and over. Same replies, over and over. Sigh. Use an ATM there, just like you would here. Use your credit car there, just like you would here. Or get your cash at your bank in the US. Soon you will learn the tricks, either from the replies here or by ex...
by Shallowpockets
Tue May 07, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Kaiser HMO
Replies: 25
Views: 1368

Re: HDHP vs Kaiser HMO

Recent Kaiser visit for aspiration per U/S. Doctor in room while US tech does her thing. Doc says I don't see anything to aspirate. No sense in possibly creating a problem. I agreed. Doc says, did you pay a copay today?" I say, "yes, I did." Doc says, "I'll get that back for you". Gives me a form si...
by Shallowpockets
Tue May 07, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Backpacking/study abroad for young folks
Replies: 31
Views: 2081

Re: Backpacking/study abroad for young folks

Backpacking abroad for a summer in Europe. There goes your son/daughter off on their own. Staying in hostels. Pretty cool. Meeting other people. First London. Nice hostel, parties on all night long. Lots of drinking. Meeting new (same) people as them, now let loose. Then Amsterdamn. Another nice hos...
by Shallowpockets
Tue May 07, 2019 6:19 am
Forum: Personal Finance (Not Investing)
Topic: Remind me why we have Medicare supplement
Replies: 26
Views: 3881

Re: Remind me why we have Medicare supplement

A friend periodically calls me with this question, why get a supplement or Advantage plan if the cost is more than you would actually pay in most situations? This time her SO had back surgery and the hospital bill came out to exactly what it would have been as an Advantage co-pay. We do not have a ...
by Shallowpockets
Mon May 06, 2019 9:00 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4167

Re: Bathroom Remodel - Looking for Advice

We redid our shower using Lowes. We used the Onyx Collection. Durable, nice looking, low maintainence. One piece walls and pan. No grout at all. Very pleased. We did away with the tub and had only shower put in. In reality a tub is not ever used and it is a fall risk getting in and out as you age. W...
by Shallowpockets
Mon May 06, 2019 6:26 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4112

Re: ants - aargh

Have you done anything to address what is drawing the ants in? Trying to plug up holes and place traps will help, but they’ll likely keep finding their away around unless you can get rid of whatever is attracting them. They go to the cat's food dishes. I don't know what to do about that. No other f...
by Shallowpockets
Sun May 05, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Perspective [How much is left for spending in retirement?]
Replies: 47
Views: 4172

Re: Perspective [How much is left for spending in retirement?]

On and on here. OP thinks that that 1 million is not really worth that. What to do. If in the accumulation phase, you do as BHs do. You save. Maybe all your savings equals 1 mil at retirement. That's it. You save and then you retire. What you save is irrelevant if you are maxing out your savings. Yo...
by Shallowpockets
Sun May 05, 2019 1:28 pm
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2415

Re: Outdoor Jacuzzi - Cost vs Value?

You could do a trial and see if it gets enough use to warrant such an expense. We had a Coleman inflateable hot tub and it was great. About $300 on Amazon. What's to not like here. It came and I inflated it on the backyard lawn. Right on the grass. Filled it and the next morning it was good to go at...
by Shallowpockets
Sun May 05, 2019 8:42 am
Forum: Personal Consumer Issues
Topic: Denver in August
Replies: 21
Views: 1692

Re: Denver in August

One day in a place equals two nights to do it. Factor in driving time, which should include stops, making it longer. It is easy to stop at overlooks and such in Colorado if you have not ever been in such a place. You have eight days. Do your math. August is high season. You had better plan now for y...
by Shallowpockets
Sat May 04, 2019 3:27 pm
Forum: Personal Investments
Topic: Too much stock!
Replies: 10
Views: 1608

Re: Too much stock!

I am in a similar boat, but not out of proportion. Sitting on LTCG of a considerable amount. I have run tax scenarios. I don't think you can beat the taxes short of charitable donations, whereby you are losing it anyway from your pocket. I have state taxes as you do. I am reconciled to either going ...
by Shallowpockets
Sat May 04, 2019 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Gain when selling your house - IRS reporting and reconciling?
Replies: 10
Views: 981

Re: Gain when selling your house - IRS reporting and reconciling?

I was very surprised that the Title Company did not report a 1099-S on the sale of my wife's house a couple of years ago after asking for her SS # which I assume was for that purpose. I kept waiting for the 1099-S to arrive and it never did. The sale price was $149k so maybe there is a threshold th...
by Shallowpockets
Sat May 04, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3191

Re: Birthday party- No gifts

I am not sure I get it. Is the question about ignoring completely what the host wants? If they wanted gifts why would they bother to write on the invitation at all? Because the gifting (and tipping) culture in this country is INSANE . My wife buys pretty much everybody she has ever met gifts for th...
by Shallowpockets
Sat May 04, 2019 11:58 am
Forum: Personal Investments
Topic: 76 year old widowed mother needs investment advice
Replies: 19
Views: 1816

Re: 76 year old widowed mother needs investment advice

Your mother sounds like a worrier, no matter what. Some people are like that. Here's the truth. She has had her money at 1.1m 7 years ago and it has grown to 1.6 million. Almost 50% return. If she cannot see that that is very good and thinks she must do better than that is the worrier part of it. An...
by Shallowpockets
Sat May 04, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1915

Re: How soon to close credit card that was used for churn?

Are there implications on closing the card with the miles in there? Or are the miles safe even when the card is closed? It depends on the card. If it is something like a UAL or AA card, they are in your airline account and closing the card has no impact (make sure they posted first though). If it s...
by Shallowpockets
Sat May 04, 2019 8:26 am
Forum: Personal Finance (Not Investing)
Topic: How soon to close credit card that was used for churn?
Replies: 24
Views: 1915

Re: How soon to close credit card that was used for churn?

Are there implications on closing the card with the miles in there? Or are the miles safe even when the card is closed?
by Shallowpockets
Sat May 04, 2019 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Settlement options for a special needs minor about to receive personal injury award
Replies: 28
Views: 1521

Re: Settlement options for a special needs minor about to receive personal injury award

This is found money from a settlement from bad dental work. She stills needs dental work. At what age would that be all right to start doing? I would think that would be a priority. Bad teeth can have consequences that accelerate. Plus there is a social side to bad teeth, both on self image and how ...
by Shallowpockets
Sat May 04, 2019 6:58 am
Forum: Personal Consumer Issues
Topic: Can anyone give me a ball park estimate on this roof repair?
Replies: 19
Views: 2200

Re: Can anyone give me a ball park estimate on this roof repair (pictures included)?

Go on YouTube. Probably plenty of material there for DIY. That's the first thing I would do. Probably take less time then waiting for nebulous answers on this forum. At least you may then know how to value a repair if you could find a handyman who is going to go on YouTube himself. Most roofer would...
by Shallowpockets
Fri May 03, 2019 12:45 pm
Forum: Personal Investments
Topic: Effect of capital gains on your income tax and deductions
Replies: 4
Views: 583

Re: Effect of capital gains on your income tax and deductions

You Had better invest in a Taxcut or HR Block program whereby you can run scenarios. Easy to do.
by Shallowpockets
Fri May 03, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 6007

Re: Berkshire buying stake in Amazon - my opinion

Look at TSLA. Even that flighty stock with Musk and his tweets has not bombed. It has bombed for people (me) who bought it 10 months ago at $359 and are now holding it at $249. TravelforFun Sorry to hear that. I consider TSLA a trade stock, not a hold stock. You are down 14%. TSLA has gone down and...
by Shallowpockets
Fri May 03, 2019 12:26 pm
Forum: Personal Consumer Issues
Topic: Europe with teens - hotel options
Replies: 42
Views: 2727

Re: Europe with teens - hotel options

You should know that in Europe you frequently encounter bathrooms that are small with showers that you cannot bend down to pick up the soap. These bathroom showers are small enough that a typical obese American will have a very hard time of it. Not even morbidly obese, just a typical overweight pers...
by Shallowpockets
Fri May 03, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Birthday party- No gifts
Replies: 42
Views: 3191

Re: Birthday party- No gifts

We used to go without gifts honoring the host request. Alas, at the party, everyone still got one and the hosts accepted them. Especially when it is a drop off my kids came back asking why they did not carry gifts when others did. I now do the "play it by ear" thing and keep one in car just in case...