Search found 307 matches

by MJS
Mon May 20, 2019 10:48 pm
Forum: Personal Consumer Issues
Topic: Chiminea, fire pit or nothing?
Replies: 22
Views: 1382

Re: Chiminea, fire pit or nothing?

Everyone I know who has one has a $125 terracotta one, which works fine. Not sure what the extra $375 will get you. A terracotta chimnea can crack if you build a hot fire without first warming it up sloooooowly with a paper & kindling fire. If you try to put out the fire with water ... crack! If it...
by MJS
Tue May 07, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Where to Buy an Area Rug in a Particular Color
Replies: 7
Views: 700

Re: Where to Buy an Area Rug in a Particular Color

If a close match is very important, get a white rug (or piece of carpet) and have it professionally dyed. Many carpet cleaning companies offer dyeing. If you already have a rug that's good quality and the right size, have it over-dyed.
by MJS
Tue May 07, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Bathroom Remodel - Looking for Advice
Replies: 56
Views: 4002

Re: Bathroom Remodel - Looking for Advice

Koehler comfort height toilets are great. If an adult in your family is short, "comfort" height toilets range from merely uncomfortable to hazardous (those 19" ones!) If you're tall, imagine sitting on a bar stool to do your business. Leaping off the seat, tripping over your feet and kissing the ba...
by MJS
Thu May 02, 2019 2:05 pm
Forum: Personal Investments
Topic: In this case, should I be 100% stocks?
Replies: 63
Views: 6197

Re: In this case, should I be 100% stocks?

Will the job change affect your social security payments? If so you will want to consider this in your calculations. Losing some of this annuity-like income may change your asset allocation decision. Read about WEP to see how this might effect you and your spouse; check the terms of the job offer.
by MJS
Tue Apr 30, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10819
Views: 1888880

Re: U.S. stocks in free fall

Bad news: A Gallup Poll found that "Americans most positive about finances since 2002." Clearly, the sky is falling. It's time to invest in cash under the mattress! Although my cat would probably eat it, and then there would be expensive vet bills.
by MJS
Sun Apr 28, 2019 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to define wealth
Replies: 51
Views: 4711

Re: How to define wealth

I'm sure most people here are familiar with the fisherman and the businessman story. If not you can read it here. There are several versions of the story but this one is as good as any: https://paulocoelhoblog.com/2015/09/04/the-fisherman-and-the-businessman/ Another take is about the fisherman's a...
by MJS
Wed Apr 24, 2019 9:42 pm
Forum: Investing - Theory, News & General
Topic: Call the Top!
Replies: 101
Views: 12301

Re: Call the Top!

3151.01
by MJS
Wed Apr 24, 2019 6:11 pm
Forum: Personal Consumer Issues
Topic: Mobile Apps for Plant and Flower ID
Replies: 11
Views: 520

Re: Mobile Apps for Plant and Flower ID

Most US counties have USDA Agricultural Extensions, with Master Gardener programs and services. You may be able to have a Master Gardener class use your yard as an exercise, or hire ("rent") a locally certified Master Gardener -- or become a Master Gardener yourself. Plant identification is a good f...
by MJS
Mon Apr 22, 2019 3:52 am
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3610

Re: update 70s kitchen or nah?

barnaclebob wrote:
Sun Apr 21, 2019 11:56 pm
I think you might be the first person who has said "I'll convert it to a galley style kitchen" Galley kitchens are extremely undesirable.
I prefer galley kitchens, too. Open kitchens are extremely undesirable. Team galley kitchen forever!
by MJS
Sun Apr 21, 2019 11:11 pm
Forum: Personal Consumer Issues
Topic: update 70s kitchen or nah?
Replies: 49
Views: 3610

Re: update 70s kitchen or nah?

How about selling now and buying a nice one story house .... A nice house you can age in place in, with a nice easy to maintain yard. ... Make the move now while you are young and spry enough. +1. Spending the next five years trying to make-over an aging house that suited who-you-were to one that s...
by MJS
Sun Apr 21, 2019 5:44 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4063

Re: Tips for getting the most out of your cruise?

* If your family likes soft drinks or mixers for alcoholic drinks, bring aboard "12 standard (17 oz.) cans, bottles or cartons per stateroom." You can (usually) pick up more soft drinks/mixers in each port, which can be a fun way to explore local beverages. In the past couple of years at least some...
by MJS
Sun Apr 21, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4063

Re: Tips for getting the most out of your cruise?

Look at the deck plan for your ship; the stairs on the ends tend to be rarely used and sometimes lead to less populated public areas. Bibulous Frugality: * If your family likes soft drinks or mixers for alcoholic drinks, bring aboard "12 standard (17 oz.) cans, bottles or cartons per stateroom." You...
by MJS
Mon Apr 15, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Newbie international traveler
Replies: 65
Views: 3821

Re: Newbie international traveler

... If we overwithdraw, Is there any way I can deposit our unused swiss francs and / or euro? You will have one to two [dull] hours in the airport before your flight home. Keep some cash for tips, then spend any remaining marks or euros in the shops, duty-free stores*, restaurants, spas, coffee sho...
by MJS
Sun Apr 14, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2174

Re: Walking shoes

Feet vary a lot, and shoes that are fantastic for one person may be awful for another. Go to an independent shoe store with a large selection of practical shoes (rather than business or formal shoes.) Get both your feet measured. Wear an old pair of walking shoes: have the assistant look at the wear...
by MJS
Thu Apr 11, 2019 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house next year. Wife wants a big house. Thoughts?
Replies: 104
Views: 8631

Re: Buying a house next year. Wife wants a big house. Thoughts?

Pick up a copy of Susanka's Not So Big House at your library. It gives you a sense of what makes a house livable and comfortable. You may need the larger house - this will give you a sense of the functional zones & zonal relationships that make one house great while another, with the same footage, i...
by MJS
Tue Apr 09, 2019 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would you do this renovation?
Replies: 23
Views: 1368

Re: Would you do this renovation?

You're going to be there for years. Consider getting a walk-through by an aging-in-place expert -- your local Council on Aging or Habitat for Humanity can recommend, or perhaps even provide, someone. Your architect seems more focused on answers than ideas. What do the current inhabitants of the 3rd ...
by MJS
Tue Apr 09, 2019 6:43 pm
Forum: Investing - Theory, News & General
Topic: What websites do you use for the latest investing news?
Replies: 51
Views: 4068

Re: What websites do you use for the latest investing news?

Last year, someone recommended Schwab Market Update. SMU reports market status 4 times a day. It's (mostly) just the facts, and quite satisfying. Many thanks to the person who recommended it originally! :beer
by MJS
Tue Apr 09, 2019 6:15 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 76
Views: 10535

Re: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"

.... you said "Too Long Didn't Read" (that's what TLDR means. I had to look that up) While TLDR does indeed expand to "Too Long Didn't Read", a more accurate translation is "Executive Summary." The original poster was giving their understanding of the article after reading it for the benefit of tho...
by MJS
Sat Apr 06, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: Grand Canyon and Sedona
Replies: 40
Views: 3720

Re: Grand Canyon and Sedona

Sunset will be about 6:45 and See-the-Milky-Way darkness at 8pm (if it weren't for that pesky full moon rising at 9pm :happy.) My dim recollection is that Williams to the Rim is open range, so watch for cows on the road.
by MJS
Thu Apr 04, 2019 1:36 am
Forum: Personal Consumer Issues
Topic: Bath towels
Replies: 17
Views: 1674

Re: Bath towels

If you're willing to try linen - which is less bulky, absorbs more water, and dries faster - instead of cotton, * https://www.rawganique.com/organic-linen-terry-towels-p/linen-waterfall-towels.htm Hair towels are 30x36" * https://anichini.com/bath/bath-linen-collections/linen-bath-linens/adras-linen...
by MJS
Wed Apr 03, 2019 8:34 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1202

Re: Help me plan 3 days in Vancouver

You can get reduced admissions for the UBC package: Museum of Anthropology (MOA), UBC Botanical Garden and Nitobe Memorial Garden. The Niobe Japanese Garden is very simple but very pleasant. The botanical garden is like a walk in the woods. MOA's collection is notable.
by MJS
Tue Mar 26, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1649

Re: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)

On the drive from Scottsdale to Flagstaff, stop at Montezuma Wells to see some earlier civil engineering projects. Not as stunning as Hoover, but notable in its time. At GC, see if you can get reservations for the mule ride along the rim. Not too strenuous, but a charming chance to see great depths....
by MJS
Tue Mar 26, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: Ireland & Scotland Do I Need Cash?
Replies: 24
Views: 1723

Re: Ireland & Scotland Do I Need Cash?

Maybe while you're in Edinburgh, you can visit the
Library of (economic) Mistakes, then tell how to end financial woes forever.
by MJS
Sat Mar 23, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5180

Re: Do you still wear a necktie to work?

Shallowpockets wrote:
Sat Mar 23, 2019 10:33 am
As someone noted, ties restrict blood flow and oxygen to the brain. You can see this easily. Look at politicians. Look at our leaders.
There you have it.
Proof.
Oh! So, ties are why politicians who aren't males are so much smarter? :twisted:
by MJS
Tue Mar 19, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 1701

Re: Visiting Tucson, AZ for 3 days - what to see?

... We're planning to visit Tucson, too... I like telescope stuff and have already booked an evening at Kitt Peak. My wife doesn't particularly like telescope stuff and likes ethnography stuff. At the University of Arizona is there an obvious place near the mirror lab that she could visit while I v...
by MJS
Tue Mar 19, 2019 1:06 pm
Forum: Personal Consumer Issues
Topic: What are the purposes of your travels?
Replies: 60
Views: 3459

Re: What are the purposes of your travels?

Gardens. Trying to smell and touch and stroll through a garden on the web is unsatisfying. When I come home, I have new and concrete information. Sitting in my garden with a G&T, I can fully consider a bubbling fountain in place of the bird bath or a patch of rose geranium to scent the afternoons. M...
by MJS
Mon Mar 18, 2019 8:28 pm
Forum: Personal Consumer Issues
Topic: Visiting Tucson, AZ for 3 days - what to see?
Replies: 46
Views: 1701

Re: Visiting Tucson, AZ for 3 days - what to see?

Tucson hiking guide - I like the Camino del Cerro trailhead.
http://www.arizonahikersguide.com/tucson

+19th on Madera Canyon & Az Sonora Desert museum

Consider driving from Phoenix via Florence: see flowers, Casa Grande National Monument ... and the Tom Mix monument.
by MJS
Sat Mar 16, 2019 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: New widow question on Social Security survivor benefits
Replies: 9
Views: 929

Re: New widow question on Social Security survivor benefits

You are probably entitled to the $255 Social Security Lump Sum Death Benefit. A friend or relative can make the call for you, if you would like to delegate something that requires many personal details.
https://www.ssa.gov/forms/ssa-8.html

My sympathy for your loss.
by MJS
Fri Mar 15, 2019 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: If you were X years old, how much would you need to retire?
Replies: 21
Views: 2895

Re: If you were X years old, how much would you need to retire?

I see a few people who have made a killing on bitcoin and have retired at a young age. This got me thinking, how much, in dollars, not a multiple of annual expenses, would you need to retire at age 20? 30? 40? 50? According to Suze Orman (a respected personal finance guru,) you need a minimum of $5...
by MJS
Tue Mar 12, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Peanut Butter recommendations
Replies: 84
Views: 5536

Re: Peanut Butter recommendations

MP173 wrote:
Tue Mar 12, 2019 9:24 pm
Costco Almond Butter. Very tasty until you get to the bottom .5 inch, then it is very hardened.
Store it upside down. To use, turn the jar over and (solemnly :-)) knock the bottom of the jar on the counter.
by MJS
Tue Mar 12, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: Is buying only assets with "tickers" a good Boglehead "rule"?
Replies: 23
Views: 1493

Re: Is buying only assets with "tickers" a good Boglehead "rule"?

I didn't know ... "CITs"
Collective Investment Trust, also known as a Collective Investment Fund (CIF)
https://www.investopedia.com/terms/c/co ... t-fund.asp
by MJS
Sun Mar 03, 2019 2:22 pm
Forum: Personal Investments
Topic: How to invest a massive increase in salary?
Replies: 26
Views: 3293

Re: How to invest a massive increase in salary?

Start by planning for the next two years, especially since you don't have to be there for 5 years. After taxes, plus your wife's education and general living expenses, you'll have about $100 thousand per year to invest. You may have to spend 6-12 months looking for a new job. Your wife may not be ea...
by MJS
Wed Feb 27, 2019 8:22 pm
Forum: Personal Consumer Issues
Topic: Suggestion on high ceiling condo heat issues
Replies: 34
Views: 1990

Re: Suggestion on high ceiling condo heat issues

A lot of utility companies offer free or cheap home energy audits. It won’t directly fix your problem, but they can give a much better idea of what the problem is, and give ideas for how to fix it. Consider a professional home energy audit if no free ones are available. An expert, looking at the ac...
by MJS
Sun Feb 24, 2019 12:04 am
Forum: Personal Consumer Issues
Topic: Things to do in Indiana
Replies: 64
Views: 4198

Re: Things to do in Indiana

The Atlas Obscura list includes local foods as well as sights & sites.
by MJS
Thu Feb 21, 2019 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do tax accountants add any value?
Replies: 50
Views: 3546

Re: Do tax accountants add any value?

For simple, one-state taxes - no.

If you've recently inherited some 401k's & IRAs or just started a business - perhaps Airbnb or Lyft - then doing taxes yourself and having a tax account do it a second time might save you time & aggravation.
by MJS
Sat Feb 09, 2019 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Begin SS @ 70 for worker and non-working spouse?
Replies: 6
Views: 596

Re: Begin SS @ 70 for worker and non-working spouse?

Write to Ask Larry Kotlikoff. Include the month & year of birth for each, since some older people are eligible for other benefits.
by MJS
Tue Feb 05, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: SW USA vacation spots w/teens. Scottsdale->Grand Canyon->Eastward (Santa Fe?)
Replies: 32
Views: 1649

Re: SW USA vacation spots w/teens (Grand Canyon, Santa Fe, ???)

Consider renting a cabin in Dead Horse State Park, near Sedona. Visit petroglyph sites & ruins, hiking trails, Jerome, the Copper Museum, and the Grand Canyon.
by MJS
Mon Feb 04, 2019 9:22 am
Forum: Personal Investments
Topic: What would your retirement strategy be in my case? (UPDATED info)
Replies: 14
Views: 1428

Re: What would your retirement strategy be in my case? (UPDATED info)

This is a bit off the wall, but have you cancelled the Private Mortgage Insurance (PMI) on your mortgage?
by MJS
Mon Jan 28, 2019 7:40 pm
Forum: Personal Consumer Issues
Topic: Where to purchase hard to find bath towels.
Replies: 6
Views: 865

Re: Where to purchase hard to find bath towels.

Where have you already looked? What brands do you like? Do you want 100% linen or pure Egyptian cotton? Um, Mid-sized???? Do you mean "not too heavy" or mid sized plush, or just the very tiniest bath towel size? According to https://www.towelsupercenter.com/Blog/towel-size-guide.html "The size [of b...
by MJS
Sat Jan 26, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: Kitchen remodel - cost of ultracraft cabinets
Replies: 15
Views: 1974

Re: Kitchen remodel - cost of ultracraft cabinets

CostCo offers semi custom and full custom kitchen cabinetry. https://www.costco.com/cabinets.html
by MJS
Sat Jan 26, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Maximum Travel Distance for Elementary, Middle and High School
Replies: 24
Views: 1513

Re: Maximum Travel Distance for Elementary, Middle and High School

Back in 2017 in Bhutan, it was expected that 7th graders would walk 1 to 2 hours to school, then have another hike home: 2-4 hours per day. Education can be very expensive.
by MJS
Mon Jan 21, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 34
Views: 1801

Re: Wills- Options other than family/charities?

Libraries. Community gardens. Hiking trail maintenance.

If you'd like to have a community park or college building named after you, it's best arranged beforehand.
by MJS
Mon Jan 21, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: xkcd Webcomic Weighs in on Technical Analysis
Replies: 15
Views: 1485

Re: xkcd Webcomic Weighs in on Technical Analysis

Blush. I generally read Explain XKCD ... sometimes I even contribute.
by MJS
Sun Jan 20, 2019 9:47 pm
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9340

Re: Grocery shopping strategy

I was a big Aldi shopper until about 8 months ago. That is when I first tried free grocery pickup/delivery and it is nearly all we do now. Our local Kroger affiliate in particular has great online coupons for pickup customers only and is now our go-to grocery vendor (and I have never even been in t...
by MJS
Fri Jan 18, 2019 7:37 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4916

Re: 11 days in Europe...Budget and logistical advice please

An030815 wrote:
Fri Jan 04, 2019 4:10 pm
... eat all the food, drink all the wine, meet/connect with as many locals as possible....
You might enjoy this Parisian food blog, written by an American. He highlights foodie day trips from time to time.
by MJS
Fri Jan 18, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Curry Powder?
Replies: 38
Views: 2155

Re: Curry Powder?

Penzey's 8 jar pack, because "best" is pretty subjective.
https://www.penzeys.com/online-catalog/ ... 1550/pd-gb

Expensive, but you will probably derive some amusement from trying them out. Tasting the various kinds is good experience for making your own, too.
by MJS
Fri Jan 18, 2019 1:31 pm
Forum: Investing - Theory, News & General
Topic: When would you stop being a Boglehead?
Replies: 95
Views: 7621

Re: When would you stop being a Boglehead?

Jack Bogle offered the low cost index fund in 1975, 373 years after the Amsterdam Stock Market opened in 1602. It's not unreasonable that someone as smart & generous as Mr Bogle will create an even better system sometime in the next 400 years: the shoulders of giants. After the new system has been t...
by MJS
Fri Jan 18, 2019 9:34 am
Forum: Investing - Theory, News & General
Topic: "Bogle's Folly"
Replies: 30
Views: 7578

Re: "Bogle's Folly"

alexfoo39 wrote:
Thu Jan 17, 2019 9:13 pm
anyone has the link of original remark of the 'Bogle's folly'? :D
The phrase is used in
Lowenstein, Roger, 1999, It Bogles the Mind, SmartMoney, October, 71-72.

It doesn't seem to be original to Lowenstein.
by MJS
Thu Jan 17, 2019 8:36 pm
Forum: Personal Consumer Issues
Topic: What shelf liquor and your favorite cocktails?
Replies: 45
Views: 2971

Re: What shelf liquor and your favorite cocktails?

Always fresh squeezed citrus, never bottled. ... Although I cheat by freezing cubes of (just squeezed) lime juice for Cuba Libras and gin & tonics instead of making wedges each time.