Search found 347 matches

by WildBill
Sun Jun 17, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Best tips for starting a new job
Replies: 19
Views: 1065

Re: Best tips for starting a new job

Howdy

Ears open. Mouth shut.

W B
by WildBill
Sat Jun 16, 2018 6:19 pm
Forum: Personal Consumer Issues
Topic: Houston Safety
Replies: 13
Views: 1179

Re: Houston Safety

Howdy

Texans are overwhelmingly warm, friendly and polite people, which is a very good thing as over a million of them have licenses to carry concealed firearms. This is a sizable percentage of the adult population.

Leave the bazooka at home and behave yourself. 8-)

W B
by WildBill
Mon Jun 04, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 288
Views: 38342

Re: Good Modern Science Fiction

Howdy

Do not miss Seveneves. It is excellent.

Now Anathem is my second favorite of Stephenson’s books, instead of my top favorite.

Happy reading

W B
by WildBill
Fri Jun 01, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Renter Insurance for Collage student living in Dorm?
Replies: 6
Views: 636

Re: Renter Insurance for Collage student living in Dorm?

Howdy

We would have skipped it, but it turned out that in order to store stuff in the storage area in his dorm for the summer renter’s insurance was required. So we bought it. Something to consider.

W B
by WildBill
Fri Jun 01, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8467

Re: is Having more and needing less normal?

TheTimeLord wrote:
Fri Jun 01, 2018 11:44 am
WildBill wrote:
Fri Jun 01, 2018 11:18 am
I absolutely do not give a s*** what other people think.
Personally I don't consider that a virtue, more of a rationalization.
If you say so. Just recycle my previous statement re your observation :happy
by WildBill
Fri Jun 01, 2018 11:44 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

Howdy

One more - Museum of Computer Science in Mountain View, Ca. Self explanatory.

W B
by WildBill
Fri Jun 01, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

Howdy

Thought of another one.

If you are in Boston go by the Harvard Science Center. They have a museum of scientific and engineering instruments on the first floor, with the remains of the ENIAC computer and a history of its development in the lobby. Very good stuff.

W B
by WildBill
Fri Jun 01, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Travel advice for an engineer
Replies: 65
Views: 4183

Re: Travel advice for an engineer

Howdy You are my kind of guy. Off the top of my head - Hoover Dam. Erie Canal - read Peter Bernstein’s book first. Brooklyn Bridge - read David Mcculloughs book the Great Bridge first. Woolworth Building in NYC. Frank Woolworth built the tallest building in the world ( at that time) with cash money ...
by WildBill
Fri Jun 01, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8467

Re: is Having more and needing less normal?

Howdy

Blue jeans, t shirts and cargo shorts make for a timeless and comprehensive wardrobe. :happy

Shoes are optional. Maybe a jacket for cold weather.

My dressing code suits me and I absolutely do not give a s*** what other people think.

Happy dressing up for those who like it.

W B
by WildBill
Thu May 31, 2018 2:35 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1581

Re: Need some advice in regards to A/C System

Howdy You have gotten lots of good advice, but some of it is ambiguous. ACs are not rocket science. An AC system is basically a refrigerator. How often does your refrigerator require servicing? The only “servicing” a modern AC system should require is indoor filter changes, keeping the outside unit ...
by WildBill
Thu May 31, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy commodities (soybeans)
Replies: 16
Views: 1770

Re: How to buy commodities (soybeans)

Howdy

If you are really interested in learning about commodities, buy a couple of bean contracts. You will learn very, very fast.

That’s what I did, and I learned a lot, including a conviction to not do it again.

Happy contango

W B
by WildBill
Wed May 30, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: physical real estate as safe money
Replies: 11
Views: 1614

Re: physical real estate as safe money

I have a question concerning rental property that is paid for ( no mortgage). I have a portfolio based on liability matching school of thought. If I use the value of the property within the total portfolio, what percent of value of the property could be used as safe money or expense floor? This is ...
by WildBill
Wed May 30, 2018 5:11 pm
Forum: Personal Consumer Issues
Topic: Need some advice in regards to A/C System
Replies: 29
Views: 1581

Re: Need some advice in regards to A/C System

Howdy Excellent advice from livesoft. Reading your post my impression is that the guy is attempting to sell you a bunch of stuff you don’t need. The best investment you could probably make at the moment for cleaning up the system, if it does indeed actually need it, is changing the filters a couple ...
by WildBill
Wed May 30, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??
Replies: 14
Views: 1992

Re: Bernstein - CD + Treasuries + Munis VS Vanguard Total Bond ??

LMPs are an absurd notion for individual investors. This article contains only some of the reasons why: https://medium.com/@justusjp/liability-matching-portfolios-have-a-20-failure-rate-27b7300dcbdd Howdy Thanks for the article. The main objections the writer has to seem to be that there exist a wi...
by WildBill
Fri May 25, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1443

Re: Heart rate monitor

Best deal I have seen on the Slice is about $45 from REI, which I saw after I bought mine from Amazon for $69. So I bought two more for my sons. That was timely. My two year old Mio Fuse just died, so I picked up a Slice on closeout at REI. Not impressed by the PAI thing, but that's not why I use a...
by WildBill
Wed May 23, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1443

Re: Heart rate monitor

Howdy MIO Slice. I have had mine for about 4 months now and I like it very much. I cannot speak about long term reliability - so far my experience is based on daily usage for four months - so far so good. I bought it based on a number of reviews. The accuracy is good - plus or minus 1 or 2 bpm vs my...
by WildBill
Tue May 08, 2018 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 5748

Re: How to handle problem employee

Howdy Common issue, almost universal. She is delegating her work upward to you. Invert the process. Instead of spending time a lot of time getting bogged down in discussing the whichness of what and how we did it in the good old days at wherever, objectively lay out the goals and objectives - that i...
by WildBill
Tue May 08, 2018 8:12 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4618

Re: Which City to spend 4-6 weeks?

Howdy

Madrid!

W B
by WildBill
Tue May 08, 2018 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Does it make ANY sense for a US citizen to stash emergency funds overseas?
Replies: 62
Views: 4768

Re: Does it make ANY sense for a US citizen to stash emergency funds overseas?

Howdy Logistically complex and probably not worth the trouble. If circumstances are so bad that you need to get there and use it, how are you going to get there? Similarly, if you want to access it from US, how are you gonna do that when the shhtf. Gold coins buried in backyard and a stash of $100 b...
by WildBill
Mon May 07, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16458

Re: most compelling TV character ever

Howdy

Bugs Bunny, of course. Only Colombo and House come close.

Separately:
Bullwinkle
Boris Badunov
Natasha

I thought Rocky was sort of lame, but overall The Rocky and Bullwinkle Show was years ahead of its time.

Happy watching

W B
by WildBill
Mon May 07, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Which heart rate monitor is the most accurate?
Replies: 37
Views: 3539

Re: Which heart rate monitor is the most accurate?

Howdy Have a look at the Mio Slice. I bought one about 3 months ago based on reviews and the attractive price. It is not perfect, but it does what I want -track and record heart rate accurately - and I am quite happy with it. It does the other stuff ok also, step count, mileage, calories burned, etc...
by WildBill
Fri May 04, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting gone bad : Vanguard acct Snafu
Replies: 3
Views: 456

Tax Loss Harvesting gone bad : Vanguard acct Snafu

Howdy This is a beware and watch out notice. Like many here I often tax loss harvest in my taxable accounts. I have been doing so with Vanguard in VWIUX, the Intermediate Term Muni Bond fund. In the process I have fund that the specific lot information shown in my Vanguard account is incorrect and t...
by WildBill
Fri May 04, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8184

Re: Bucket List Adventures/Activities

Howdy

Pick a marathon in some nice place - Barcelona maybe? - and start training for it. That will keep you busy for a while.

Worked for me.

Happy trails

W B
by WildBill
Mon Apr 30, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 8904

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Howdy Tips from multiple cross country trips: Pack some duct tape. Pillow can be handy. Spare set of keys, in a magnetized box tucked securely under the car on a cross member. AAA card handy. Phone charger for car. Clip on doddad for dash to hold phone for navigation reference. Phone charger keeps p...
by WildBill
Wed Apr 25, 2018 7:15 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 9445

Re: How did you tell the boss you're leaving/retiring?

Howdy

Take some vacation and send him an email announcing your impending retirement. Let any calls go to voicemail.

Happy trails

W B
by WildBill
Sat Apr 21, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Quitting job - what to do if getting walked to the door
Replies: 106
Views: 11614

Re: Quitting job - what to do if getting walked to the door

Howdy Clean out all personal stuff from office in advance. Clean up,and download contact list and other stuff from pc, if a company pc. Clean up/copy any personal stuff. Do not do anything weird with download adding proprietary files or data or otherwise on company network. If they walk you out, whi...
by WildBill
Sun Apr 08, 2018 11:20 am
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44227

Re: Name something you had to have and now you regret purchasing it?

Howdy

AIG stock. How can a properly run insurance company possibly go broke?

I found out :oops:

W B
by WildBill
Mon Apr 02, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: expat property-stock market dilemma
Replies: 4
Views: 423

Re: expat property-stock market dilemma

Howdy ying-yang I was an expat for 23 years. I really can’t offer advice, but I can share my experience, for what it is worth. When I was married with no kids we rented, and often considered buying property for the future. Except we could never figure out/agree on where that would be. :P So we saved...
by WildBill
Sat Mar 31, 2018 3:02 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 24049

Re: In what ways could BogleHeads be badly wrong ?

Howdy

We are assuming that the US remains a capitalist/industrial democratic republic with vibrant and secure capital markets. Sure hope so.

Best of luck
W B
by WildBill
Fri Mar 16, 2018 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: This is not a typical medical collections issue- what to do?
Replies: 52
Views: 7612

Re: This is not a typical medical collections issue- what to do?

The first thing to do is to send them a certified letter asking for a formal debt validation letter. Here is an explanation of that. https://clark.com/personal-finance-credit/avoid-expensive-mistake-validate-debt-collector/ Be sure to mention the Fair Debt Collection Practices Act in the letter so ...
by WildBill
Fri Feb 23, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: What books changed your outlook on how you should invest?
Replies: 54
Views: 4586

Re: What books changed your outlook on how you should invest?

Howdy

Two.

The Intelligent Investor, by Benjamin Graham, and Winning the Loser’s Game by Charles Ellis.

Happy reading.

W B
by WildBill
Fri Feb 23, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: A Week in Barcelona in March
Replies: 3
Views: 377

A Week in Barcelona in March

Howdy We will be visiting Barcelona in early March for one week. Hotel already arranged, in city center. I would like recommendations for activities and special things to do while In Barcelona, including day trips and any other ideas. We are a party of four, two adults, two university students, ecle...
by WildBill
Fri Feb 16, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 3405

Re: Rant about relocation mortgage assistance, and a question

TomatoTomahto wrote:
Thu Feb 15, 2018 11:35 am
I understand that there's a process, but at some point, sanity should trump process.
Howdy

:twisted:

No comment would be as eloquent as your own words.

Good luck with the move

W B
by WildBill
Fri Feb 16, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7468

Re: How to get child's skin in the game for college?

Howdy The difficulty in defining a good approach and reaching a decision, and the wide range of responses is due to the fact that money - in terms of your daughters incentives or obligations to participate in the costs of university education - is actually a pretty blunt instrument in this situation...
by WildBill
Tue Feb 06, 2018 8:28 pm
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 2945

Re: Best BBQ in Austin

Howdy This is a link from Texas Monthly on the best BBQ in Texas. It is authoritative and reliable. Franklin’s is the best in Austin, maybe in Texas, due to Mr. Franklin using prime cuts of brisket. Lines reflect that excellence. There are many, many good places in Texas. Even a middle of the road p...
by WildBill
Sat Jan 06, 2018 5:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4381

Re: DD just got married !

Is mom sad about not having a big wedding? In many ways, the wedding isn't for those getting married. In that respect, eloping or demanding a small wedding could be interpreted as being a little bit selfish. Howdy This is a fair point. However, I have known several couples who skipped town to get m...
by WildBill
Wed Jan 03, 2018 11:33 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 28562

Re: Hitting The Sell Button

Howdy Nedsaid I share your feelings and am pretty much in the same boat, but am rebalancing mostly with investing dividends into bonds, which is slow. All my other choices involve realizing large capital gains, which will be murder on taxes. First world problem that I never expected. Only way out is...
by WildBill
Wed Jan 03, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: [How to determine budget for toys/luxuries?]
Replies: 41
Views: 2981

Re: [How to determine budget for toys/luxuries?]

Howdy

You can buy any toy you want, but you gotta, repeat gotta, pay cash. No financing.

W B
by WildBill
Wed Jan 03, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: Did everyone in the early 80s have their money in CDs?
Replies: 77
Views: 6726

Re: Did everyone in the early 80s have their money in CDs?

Howdy I graduated and started work in 1977. High double digit CD yields were common. I had my share. Your time and money would have been much better spent buying 30 year treasuries, which I think peaked around 15% yield in 1982. It would have been nice to have that coupon for the next 30 years. Drat...
by WildBill
Fri Dec 29, 2017 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay college tuition from a 529?
Replies: 26
Views: 2317

Re: How to pay college tuition froma 529?

Howdy

For Vanguard 529 - Go to account. Click withdraw. Fill in name and address of institution. (In my case it was saved from last fall, and the years before.) Enter amount. Hit yes, confirm and yes. Check is mailed.

Other options are possible.

W B
by WildBill
Thu Dec 28, 2017 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Applying for financial aid with high income
Replies: 50
Views: 3458

Re: Applying for financial aid with high income

Howdy

Probably a complete waste of time, but who knows?

Much more expected utility for the time spent than buying lottery tickets.

Good luck!

W B
by WildBill
Thu Dec 28, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Hyundai quality and reliability
Replies: 41
Views: 3943

Re: Hyundai quality and reliability

Howdy

Two Sonatas, both excellent and reliable.

The Sonata Hybrid has a lifetime warranty for original owner on the entire drivetrain - batteries, motors, transmission, regen braking.

I am thinking the car may outlive me.

W B
by WildBill
Mon Dec 18, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to hit full 401k contribution limit of $55,000?
Replies: 20
Views: 4601

Re: How to hit full 401k contribution limit of $55,000?

Howdy If you are over the income limit where you can contribute to a Roth, and your plan permits after tax contributions, and if you can roll the after tax contributions it into a Roth as an in service distributions, it is a great way to fund a Roth. Lot of ifs. Call your plan guys and find out. W B
by WildBill
Mon Dec 18, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: How would you value a business if you considered investing in it
Replies: 30
Views: 2886

Re: How would you value a business if you considered investing in it

Howdy

If you have to ask you have no business doing it.

W B
by WildBill
Mon Dec 18, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: The "Perfect Formula for Wealth"
Replies: 22
Views: 3635

Re: The "Perfect Formula for Wealth"

Howdy You have got to be kidding posting something like this one on this forum. Proposals like this have been floating around for 50-60 years. This is a variation on the theme on using arbitrage between different interest rates, or currency exchange rate, be they different loan forms or overnight ra...
by WildBill
Mon Dec 18, 2017 12:25 pm
Forum: Personal Consumer Issues
Topic: Buying a new sofa with two young kids?
Replies: 36
Views: 2733

Re: Buying a new sofa with two young kids?

Howdy IKEA. Comfy, decent looking sofas. Any color you like. Replaceable covers, in any color. Cheap. Indestructible. I love mine after 20 years. Every so often I get a new cover in a new color. Be aware that my wife is not enamored as I am, but that has to do with the local Ladies Sofa Buying and B...
by WildBill
Wed Dec 13, 2017 4:37 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 3496

Re: WHO IS RIGHT ME or SPOUSE

Howdy

In general, your wife is always right.

Happy holidays.

W B
by WildBill
Sun Dec 10, 2017 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: What are your big-picture ‘rules of life’ —financial or otherwise?
Replies: 123
Views: 14108

Re: What are your big-picture ‘rules of life’ —financial or otherwise?

Howdy

Decomplicate. Identify time sinks and unproductive activities and eliminate them.

Prioritize. Your health, your family, your serenity. Everything else is second.

Be open to new experiences and opportunities. Go forward with a happy heart.

W B
by WildBill
Sat Dec 09, 2017 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Retire in my early 40s? Crazy or actually doable?
Replies: 77
Views: 12046

Re: Retire in my early 40s? Crazy or actually doable?

Howdy Just saw this. Neither here nor there, but I was in a similar position to you and retired for the first time at 42. I got bored after 2 years and went back to work. I really enjoyed work a lot more the second time around and I’m really glad I did it. Re your questions - I really don’t see any ...
by WildBill
Fri Dec 08, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 624
Views: 68478

Re: Picking College and College Scholarships

Howdy

Caltech EA usually comes out several days before MIT. I assume he EA’d to both as it is permissible.

Fingers Xd.

Best of luck to your son.

W B