Search found 98 matches

by ByThePond
Wed Nov 07, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Best strategy basement mold
Replies: 27
Views: 2285

Re: Best strategy basement mold

I second the use of quaternary ammonium compounds like benzylkonium chloride as a mold/mildewcide. It's a very effective, all-purpose sanitizer that's widely used in food processing equipment, water systems and swimming pools . That as a cleaning agent and a dehumidifier should handle most situations.
by ByThePond
Sun Nov 04, 2018 6:28 pm
Forum: Personal Consumer Issues
Topic: Mice [updated - not a mouse]
Replies: 54
Views: 4103

Re: Mice

mickeyd wrote:
Sun Nov 04, 2018 5:07 pm
My cat send this suggestion:

"Love to eat them mousies! Mousies what I love to eat-- Bite they little heads off-- nibble on they tiny feet!"
My favourite Kliban Cat tee shirt.

BTW, we use house cats, Victory snap traps, and a local fox to keep the mice population down.
by ByThePond
Sun Oct 14, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Have you annuitized some of your money?
Replies: 67
Views: 5847

Re: Have you annuitized some of your money?

I'm in the process of annuitizing right now. I'm moving a substantial amount, 40%+/-, from a Vanguard tIRA into TIAA to augment my 403-b there. The annuity, with DW's modest SS, will cover our baseline expenses until I claim SS at age 70. We like this for two reasons: the SWAN effect of matched liab...
by ByThePond
Sat Sep 22, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8281

Re: How did you decide when to retire?

I'm in the process of retiring from academia. I guess now that it's September and I'm not actually working, I might as well consider myself officially retired. Financial independence came several years back, but I loved my job and the people I worked with, and the money was good to boot. What prompt...
by ByThePond
Sun Sep 16, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1620

Re: delaying claiming SS from age 64 to 70 while not working

Thanks to all who replied with helpful answers.
I was pretty sure such was the case, but didn't want to leave it to guesswork, and finding a definitive answer puts my mind at ease.
by ByThePond
Sun Sep 16, 2018 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1620

Re: delaying claiming SS from age 64 to 70 while not working

AlphaLess,

Thanks. That's exactly what I needed to know. :beer
Thanks also to FiveK.

And, yes, my FRA is _exactly_ 66.
by ByThePond
Sun Sep 16, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1620

Re: delaying claiming SS from age 64 to 70 while not working

Thanks, but the link goes to a logged out site, and it appears that the main site requires an account.
by ByThePond
Sun Sep 16, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: delaying claiming SS from age 64 to 70 while not working
Replies: 21
Views: 1620

delaying claiming SS from age 64 to 70 while not working

Hi all, I'll be retiring this year at age 64, two years before FRA of 66. I have calculated my possible benefits at 64, but can't pin down what they would be if I didn't claim until age 70. I have tried the SSA online benefits calculator, but still don't know something. My question is, will the 8% a...
by ByThePond
Mon Sep 03, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Wet & Forget for roof algae?
Replies: 13
Views: 1891

Re: Wet & Forget for roof algae?

For a less expensive equivalent, I use pool algaecide, which is 50% or 60% benzalkonium chloride, and dilute it to 10% with water. Same application rate as Wet & forget. I just used it to forestall a mold outbreak on wallboard.The generic stuff from a local source is fine. You might be able to save ...
by ByThePond
Sun Aug 26, 2018 5:35 pm
Forum: Personal Consumer Issues
Topic: Best ultra thin pocket knife?
Replies: 54
Views: 3600

Re: Best ultra thin pocket knife?

Mercator (Otter) k55k . One good-sized locking blade, folded metal handle, lanyard loop. Available in traditional carbon or stainless steels, even with a stainless frame. Been around since Kaiser Wilhelm, in widespread use in Germany. It's between 6 - 7 mm in thickness. I've carried several of these...
by ByThePond
Thu Aug 16, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13820

Re: Teachers Who Have Net Worth of $1 million +

Retired now with a NW in the low 7 figures. ( Private school teacher, no pensions involved, no large inheritances, HCOL area) How'd that happen? We did it by LB(our)M, payroll deductions to the max, not buying too much house etc., using TIAA and Vanguard index funds, 100% equities during the Great R...
by ByThePond
Sun Jul 29, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees: how much cash?
Replies: 61
Views: 6830

Re: Retirees: how much cash?

Just retiring at 63/67, and holding 5% as true cash in savings acct.
That represents about 4 years of our expected net expenses.
It might be a bit high a percentage, but it lets DW sleep well at night, and if Mama's happy...
by ByThePond
Wed Jun 20, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 18609

Re: Life in retirement - what did you do today?

Retired a scant 2 weeks, but familiar with having summers free. I think that will ease the transition. A typical day starts with me looking at the alarm clock which is still set at 5am, and smiling 'cause I know it won't be going off. After decades of heeding its call, it's a pleasure knowing I can ...
by ByThePond
Tue May 08, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 3048

Re: Happy 89th birthday to Bogle

Happy Birthday, Mr. Bogle.

Thank you for enlightening us, helping us, and teaching us.

When I contemplate what it means to have a life well spent, in the service of others, you will come to mind.
by ByThePond
Mon May 07, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 7014

Re: When to buy new underwear?

Most recently, when a deer ran out in front of my car and did $3200 in damage. You should have seen the skidmarks.
by ByThePond
Thu Apr 19, 2018 10:10 am
Forum: Investing - Help with Personal Investments
Topic: I want to pay off my mortgage. Am I crazy?
Replies: 54
Views: 6408

Re: I want to pay off my mortgage. Am I crazy?

[/quote] Does the pleasure pass, or is there initial excitement and then just onto the next thing? [/quote] We paid off our remaining few years' mtg back in 2007. Guess how we felt going through the great recession? To this day, we still feel good about being entirely debt free. Was it the best fina...
by ByThePond
Wed Apr 11, 2018 8:41 am
Forum: Personal Consumer Issues
Topic: recommend a light box
Replies: 15
Views: 1589

Re: recommend a light box

If you mean a S. A. D. light box, then I've been very happy using a goLITE from Phillips. (pun intended)
by ByThePond
Wed Feb 28, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: A Cathartic experience... what have you done to become mentally prepared?
Replies: 14
Views: 2584

Re: A Cathartic experience... what have you done to become mentally prepared?

What do you do to feel good about your plan (i.e. minimize worry)? I'm within a few months of getting off the treadmill. Just signed the paperwork the other day. Like yourself, I felt just a bit uncertain about it, but a few things helped: 1) running every planner possible, in various modes and for...
by ByThePond
Thu Feb 01, 2018 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1946

Re: Pay off future DIL's school loans?

forgeblast wrote:
Thu Feb 01, 2018 11:37 am
My gut feeling is wait and see. It would be one heck of a wedding gift.
^This
by ByThePond
Thu Jan 25, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 7863

Re: Your bond allocation when you were 48

100/0 until age 62, now 60/40
by ByThePond
Thu Jan 18, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1781

Re: Rebalancing in last 12 months

Not rebalancing per se, but taking a less aggressive AA as retirement approaches. I went from 100/0 to 60/40 in two steps in the last 7 months. I admit that the decision was helped along by recent market strength, though.
by ByThePond
Fri Jan 12, 2018 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 7964

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

I was comfortable at 100% VTSAX for many years, even through 2008, until I got to a year out from retirement, at age 62. Now 60/40 at age 63.
Figured I'd "won the game" and could back off a bit.
by ByThePond
Sat Jan 06, 2018 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA traditional is compounded daily, but not at the displayed crediting rate
Replies: 26
Views: 1510

Re: TIAA traditional is simple interest, not compounded

I don't think I ever expected compounding. Sorry to see it confirmed, though.
by ByThePond
Sat Dec 30, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 76
Views: 8064

Re: So, how was the year ? Gains made and Lessons learnt ?

2017 may have moved up my retirement date by a couple of years. Total portfolio is up over 250k, even as it dropped from 100% equities to 60%. DW commented that she never thought we'd HAVE that amount, much less gain it in one year. Lessons learned? Having a reliable spouse is paramount to these res...
by ByThePond
Sat Dec 09, 2017 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: At what age your investments start making more money than you?
Replies: 107
Views: 9377

Re: At what age your investments start making more money than you?

Age 55, and every year since, I think, mostly due to a high savings rate and 100% equities til recently. This year, "earnings" will likely exceed 250% our combined, 6-figure gross. :beer
by ByThePond
Sun Nov 12, 2017 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 42997

Re: Did you tell anyone you paid off your mortgage?

Mortgage-burning parties were a long-established custom, and a reason for celebration of someone's good luck or achievement. Not much different from celebrating a wedding, birth or other joyous landmark in life. I don't know when they fell out of favor, but you don't hear them much anymore. Not PC?...
by ByThePond
Sun Nov 12, 2017 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 42997

Re: Did you tell anyone you paid off your mortgage?

Are you serious? Mortgage-burning parties were a long-established custom, and a reason for celebration of someone's good luck or achievement. Not much different from celebrating a wedding, birth or other joyous landmark in life. I don't know when they fell out of favor, but you don't hear them much...
by ByThePond
Fri Oct 20, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Questions
Replies: 13
Views: 1597

Re: TIAA Questions

Just pick the version with the lower ER as both are equity index. In the long run, I believe the difference of performances between Russell 3000 and TSM is negligible. Agree. I have both Vanguard Total Stock Index, VTSAX, and CREF Equity Index acct, QCEQRX. They perform nearly identically, both lik...
by ByThePond
Sun Oct 15, 2017 7:10 pm
Forum: Personal Consumer Issues
Topic: What are you driving? And would you buy your current ride again?
Replies: 130
Views: 10203

Re: What are you driving? And would you buy your current ride again?

2010 Subaru Forester and 2015 Subaru Forester. These are our 4th and 5th Foresters, so, yes, we'd buy another. They keep making them more comfortable and with better mpg.
Hey, if something works so well, why fix it?
by ByThePond
Sat Oct 14, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 14145

Re: Bogle thinks markets are fully valued

That was reallocating, not rebalancing. ............ What the comments that are the topic of this thread are really supposed to be taken to mean I have no idea. Of course, you're right. Remind me not to post comments before the coffee kicks in. I also have trouble figuring out this discussion. It s...
by ByThePond
Sat Oct 14, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 14145

Re: Bogle thinks markets are fully valued

I have rebalanced once in the last 20 years, going from 100% to 65% equities, and this at age 62. Very stable job, etc. It's been a nice ride up.

0% international, for the usual reasons.

tadamsmar wrote:
Sat Oct 14, 2017 3:05 am


It would be interesting to know what percentage of Bogleheads never rebalance and never buy international.
by ByThePond
Sat Oct 07, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Has your "risk tolerance" been tested?
Replies: 105
Views: 8795

Re: Has your "risk tolerance" been tested?

Yes. In 2008, I was still 100% equities and figured that I was 12 years away from retirement. When things started going South, and when I received a bump in income, I bit the bullet and plowed the whole salary increase into equities. It was kind of a white knuckle time, but I kept the faith that the...
by ByThePond
Mon Aug 28, 2017 7:03 am
Forum: Personal Consumer Issues
Topic: Laptop: 2-in-1 vs. Detachable?
Replies: 21
Views: 3131

Re: Laptop: 2-in-1 vs. Detachable?

I had a clamshell laptop which I replaced with a Surface Pro, and found the SP much easier to handle, especially as a tablet. However, I wasn't completely happy with the SP's soft keyboard, and went with the Surface Book and its solid but detachable keyboard. My main usage of the SB is in laptop mod...
by ByThePond
Tue Jul 25, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 9570

Re: Two-Fund Portfolio Role Call

I think I qualify.
I'm 2/3 in VG Total Stock ( 0r its TIAA equivalent), and 1/3 in VG Total bonds. I started the year 100% in equities, but brought it to this more age-appropriate AA, as I've realized that I'm fast approaching My Number, with a separate 2 year emergency fund. 8-)
by ByThePond
Wed Jun 21, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: Ideal basement humidity %
Replies: 10
Views: 2660

Re: Ideal basement humidity %

Because I have wine stored in barrels and bottles in my basement, I keep the humidity at 50%, as a compromise between a lower number for general purposes, and a somewhat higher number to prevent excess evaporation. The humidity would be quite high otherwise. I think the recommendation is something l...
by ByThePond
Wed May 31, 2017 12:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Memorial Day
Replies: 28
Views: 4019

Re: Memorial Day

Taylor, Thank you and all the others who bought, and continue to buy, our liberty.
by ByThePond
Fri May 05, 2017 10:12 am
Forum: Personal Finance (Not Investing)
Topic: When you didn't have 401(k)/403(b), did you have IRA?
Replies: 46
Views: 3314

Re: When you didn't have 401(k)/403(b), did you have IRA?

Mostly #2.
I didn't really "get"retirement investing until I qualified for a 403b, and then I worked at filling up that space first. 403b, Roth and taxable are all in place now.
by ByThePond
Tue May 02, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 4983

Re: Great knife for slicing limes and raw potatoes

America's Test Kitchen found that the simple act of putting a knife in and out of a wood knife holder regularly dulled knives surprisingly quickly. In the dishwasher the knife is subjected to high pressure which means it will be repeatedly working against the surfaces it's situated in. I can't see ...
by ByThePond
Mon Mar 20, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 8789

Re: Recommended emergency fund for middle class households: $13,800

2 full years. I know, it's overkill, but it gives my wife peace of mind.

Happy wife = happy life. :happy
by ByThePond
Sun Mar 19, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Planning if you don't care to leave an estate....
Replies: 32
Views: 3573

Re: Planning if you don't care to leave an estate....

Or you could just keep it simple and have a single portfolio designed to survive higher withdrawals in the short term then lower withdrawals once Social Security hits. This is my current plan, a few years away from retirement. Other than a difference in risk, is there any advantage/disadvantage of ...
by ByThePond
Sat Mar 18, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Can TIAA Traditional be my whole "bond" allocation?
Replies: 15
Views: 1747

Re: Can TIAA Traditional be my whole "bond" allocation?

I'm still in the accumulation phase, and have my TIAA funds in CREF Equity Index for now, so they don't count as bonds yet. However, when I finally retire, I plan to annuitize those funds, dual life, and count them as bonds, as well as SS (eventually). Within the past year I moved about 3/4 of the T...
by ByThePond
Mon Feb 06, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Too good to be true? [Bogleheads' model of index investing]
Replies: 48
Views: 6944

Re: Too good to be true?

I think that the catch is that the great majority of people don't have the combination of knowledge, resources, intestinal fortitude (a.k.a guts) and faith to "stay the course". A lot of people are persuaded by the investment industry that things are complicated and difficult, when the hardest part ...
by ByThePond
Fri Feb 03, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Milestone and gotta tell someone
Replies: 61
Views: 7634

Re: Milestone and gotta tell someone

chw wrote:Awesome. Enjoy a nice weekend next month with the mortgage payment you used to pay, and then discuss how to pay yourself with future investing. Adjust your IPS to take into account the paid off house.
+1

Give yourselves a little reward for a job well done.
by ByThePond
Fri Jan 27, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 46
Views: 5763

Re: Warning: Max out 401k early - lose some of the match

I got caught this way once. My employer does not "true up" at year's end, and I lost out on about 1/24th of my match. Now I have 24 equal bimonthly deductions taken.
by ByThePond
Thu Jan 26, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Dow hits 20,000. What next? Share your strategy
Replies: 107
Views: 11145

Re: Dow hits 20,000. What next? Share your strategy

My invested assets (excluding home equity and cash) went to seven figures for the first time today according to Vanguard. That was a big rush. Just keeping everything where it is. Congrats! You've done something very right. Feel good about it. We happened to add a different numeral just to the righ...
by ByThePond
Sat Jan 21, 2017 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Load up on cash - it might be one of your best investments
Replies: 53
Views: 10752

Re: Load up on cash - it might be one of your best investments

Spedward wrote:I think about it as part of my bond allocation and my wife likes the feeling of a pile of cash sittin there if it is needed. Happy wife, happy life - I am okay with that.
^^^ This. I think of our 2-year emergency fund as a cheap way "to ensure domestic tranquility".
by ByThePond
Wed Jan 18, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 323
Views: 45934

Re: Good Modern Science Fiction

Rusa wrote:Larry Niven (but I like his earlier work better than more recent items), especially his Known Space stories

S.M.Stirling: The Dies the Fire series (but mainly the first three) and Island in the Sea of Time series

Uplift War by David Brin

+3
by ByThePond
Wed Jan 18, 2017 9:45 pm
Forum: Personal Consumer Issues
Topic: Popular Mechanics magazine scam [subscription won't stop]
Replies: 32
Views: 6260

Re: Popular Mechanics magazine scam

I still routinely get all sorts of unsolicited magazines each week/month, because I used to have a waiting room. At one point, they were sending me _six_ copies of Prevention at a time, all shrink wrapped together. As mentioned above, it's all about their circulation numbers and exposure. It it give...
by ByThePond
Wed Jan 18, 2017 9:33 pm
Forum: Personal Consumer Issues
Topic: Wireless Surveillance Camera System Recommendation
Replies: 11
Views: 2051

Re: Wireless Surveillance Camera System Recommendation

OP here. Thanks for the input. I get the difference between the value of the $400-$500 retail setups I've had til now, and the quality components mentioned. I just can't bring myself to invest multiple thousands of dollars to watch my driveway and back yard, even though going the low-budget route is...