Search found 175 matches

by MJS
Tue Oct 23, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Making loose leaf tea
Replies: 18
Views: 419

Re: Making loose leaf tea

Upton Tea has sampler kits. For robust tea, try the British Blend; for a more elegant trial, try Oolong or Darjeeling; for the most delicate, try Green.

Using a french press to brew tea is like using a hammer to drive a screw: not recommended. Get a teapot.
by MJS
Sat Oct 20, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed
Replies: 30
Views: 2630

Re: AAA Insurance is increasing my home insurance premium by 47.8%!!! with no claims filed

I left AAA in September for CostCo's insurance affiliate (Ameriprise in my area). Saved $500 and got another 2% discount from using CostCo card to pay.
by MJS
Sat Oct 20, 2018 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you from a widow
Replies: 24
Views: 4720

Re: Thank you from a widow

... she just learned she has emphysema. A month ago, I had challenged her to run the numbers on when to take Social Security because she wanted to claim at 62 so she and her partner could travel. She will likely have to continue to work for awhile to afford Chantix (does anyone know of any programs...
by MJS
Wed Oct 17, 2018 2:54 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 17
Views: 2407

Re: What to do with inheritance

Perhaps a Fund for major repairs & replacements, in addition to your Emergency Fund: New car(s,) roof, fences, HVAC system, water harvesting, solar power, septic system, water heater, Home Owner Association (HOA) emergencies? If your house is less than 10 years old, these aren't a big issue, but aro...
by MJS
Tue Oct 16, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Sneakers with good arch support
Replies: 33
Views: 1788

Re: Sneakers with good arch support

First, buy good quality sneakers that fit your feet and usual locomotion. In general, running shoes aren't well suited to walkers. The stride and foot strike are quite different. Second, get a pair of good insoles. Have your shoe person work with you. Note that Greenfeet has several styles: don't ju...
by MJS
Mon Oct 15, 2018 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Did anyone change Experian Credit Freeze Pin?
Replies: 5
Views: 755

Re: Did anyone change Experian Credit Freeze Pin?

Yes, <5 minutes using those USPIRG directions. It's a good idea to change passwords frequently, so worth doing even if you aren't deeply worried.
by MJS
Mon Oct 15, 2018 11:15 am
Forum: Personal Consumer Issues
Topic: How Much Is Your Sewer Bill?
Replies: 78
Views: 3957

Re: How Much Is Your Sewer Bill?

My city in Arizona rewards low volume users:
Sewer = $20.25/month (~$61/quarter)
$13 service + 7.25 for 2 CCFs
The month that Comcast used my hose bibb for a street project, the sewer bill alone was over $100. Comcast compensated me.
by MJS
Sun Oct 14, 2018 10:36 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2645

Re: Making Winter Camping more comfortable

For car camping: Get a family tent with room for a table and cots. On windy days, being able to get out of the breeze is very welcome. Sitting in the car gets tedious. Being able to roll up the sides/remove the tent's rain layer for nice days is pleasant. Having a front rain vestibule keeps clutter ...
by MJS
Sat Oct 13, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: Blue Ridge Suggestions
Replies: 4
Views: 738

Re: Blue Ridge Suggestions

Do you like to hike, rock climb, or bungee jump? Visit botanic gardens or science museums or factory tours? Eat exotic foods, gourmet cuisine or CostCo hotdogs? Do you like stately mansions, water skiing or religious pilgrimage sites? Do you like to drive on the Interstate or windy dirt roads? Would...
by MJS
Sat Oct 13, 2018 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1216

Re: I'm an employer looking to get the best 401k deal for my employees!

Some states have inexpensive 401 programs for small businesses. If not yours .... call your state representatives. https://www.marketwatch.com/story/dont-have-a-401k-state-governments-have-a-retirement-plan-for-you-2018-10-05 "... , 10 states — Maryland, Connecticut, New Jersey, New York, Washington...
by MJS
Sat Oct 13, 2018 4:26 pm
Forum: Personal Consumer Issues
Topic: Census [Received form in mail]
Replies: 21
Views: 1748

Re: Census

btenny wrote:
Sat Oct 13, 2018 1:41 pm
. . But it does ask for lot of very intrusive data. I guess I have to do this survey or at least part of it.
Thank you. All public services, but especially public health, appreciate your taking part!
by MJS
Sat Oct 13, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 70
Views: 5390

Re: Weigh in on our Marital Argument =)-- HCOL edition

Hire an expert, as well as asking the BH community.

Invest $200-500 in a 2-hour interior designer consultation. Experts see not-obvious-to-us solutions that could save lots of aggravation and thousands of dollars. If they don't, then you have more data for your decision.

Good luck.
by MJS
Fri Oct 12, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7439
Views: 1557040

Re: U.S. stocks in freefall

I can assure you the market will decline sharply from here today, and next week, as I used this morning to perform part of this half year’s value averaging, and bought VFVA. I have to complete the rest by the end of October. Thank you! I'm beginning Roth conversion, now that I know how much tax spa...
by MJS
Wed Oct 10, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7439
Views: 1557040

Re: U.S. stocks in freefall, cruisers rejoice

CULater wrote:
Wed Oct 10, 2018 3:21 pm
Image
Oh! If you've been wanting to buy shares of cruise line stock (so you can get all that free on-board credit as a stock holder perk) the prices are almost as low as they were in June.
by MJS
Wed Oct 10, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it
Replies: 14
Views: 1341

Re: Grand Canyon (LV) - is $80 ticket price for Sky Walk worth it

If you have acrophila, then yes! The Skywalk is a great experience. For fellow high-places junkies, I would also recommend the helicopter ride going over the Rim and through the Canyon. Of course, that's another $200/person, but it is truly delightful. If you'd just like to look (perhaps from behind...
by MJS
Tue Oct 09, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: early retirement for health reasons- pension option ss income leveling?
Replies: 46
Views: 2051

Re: early retirement for health reasons- pension option ss income leveling?

Talk to Human Resources about options. If you cannot transfer to a less strenuous job, then given your musculoskeletal status, you may qualify for Social Security Disability (SSDI) which includes Medicare, https://www.ssa.gov/planners/disability/ Please check California's (short term) disability pro...
by MJS
Mon Oct 08, 2018 12:08 am
Forum: Personal Finance (Not Investing)
Topic: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?
Replies: 42
Views: 4435

Re: "Experian Flaw Just Revealed PINs Protecting Credit Data"; What to do?

https://www.nerdwallet.com/blog/finance/security-flaw-at-experian-allows-easy-access-to-pin-to-unlock-credit-freeze/ Any ideas for remedies if one has had one's Experian frozen? According to USPIRG, https://uspirg.org/news/usp/you-should-change-your-experian-credit-freeze-pin , you should spend 30-...
by MJS
Sat Oct 06, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Help identify vine in backyard
Replies: 26
Views: 1505

Re: Help identify vine in backyard

Where is this plant growing? In the southwest, I'd guess amaranth.
by MJS
Sat Oct 06, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Whew! Stock market is no longer at all-time highs, so ...
Replies: 34
Views: 5406

Re: Whew! Stock market is no longer at all-time highs, so ...

We should all write a nice note to the National Park Service for bringing us Fat Bear Week https://www.nps.gov/katm/learn/news/fat ... er-3rd.htm. Just think what horrors would happen if Ranchers did Big Bull.
by MJS
Tue Oct 02, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving to Texas, Iowa, Idaho, or North Carolina
Replies: 209
Views: 14446

Re: Thinking of moving to Texas, Iowa, Idaho, or North Carolina

You, your gf, (and any kid who can) would learn a lot about different places by playing with https://teleport.org/welcome It lets you select the stuff that matters to you, then narrows it down.
by MJS
Tue Oct 02, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3111

Re: Anyone ordered a vehicle through a dealership?

My experience in 2011: * Ford built it for me - exactly what I wanted. 8 weeks wait. * Honda felt that I should be grateful for being allowed to buy from them. YMMV. That's very odd considering that Honda usually has like 4 models and very few options. In 2011, even their most complex model the Pil...
by MJS
Mon Oct 01, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Keep it simple at high income level?
Replies: 42
Views: 10889

Re: Keep it simple at high income level?

A mortgage can be an inflation hedge, as RockStarInvesting says. "Due to inflation, the bank effectively gets payments that are less valuable over time.." So, your mortgage adds a bit more diversity to your financial position.
by MJS
Mon Oct 01, 2018 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9243

Re: Suze Orman - "I hate the FIRE movement."

This is a near apocalyptic scenario. Unemployment in 1933 was 25%. Most retirees major source of income is and will be social security. I don't know what justification she has for her beliefs, but it is a pretty wild projection. Her justification is probably automation replacing human workers: robo...
by MJS
Sun Sep 30, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3111

Re: Anyone ordered a vehicle through a dealership?

My experience in 2011:
* Ford built it for me - exactly what I wanted. 8 weeks wait.
* Honda felt that I should be grateful for being allowed to buy from them.
YMMV.
by MJS
Sun Sep 30, 2018 11:00 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.
Replies: 87
Views: 8486

Re: Beginner. Want to get mega-rich. Help with portfolio, tips, etc.

Great. I’m thinking of buying “Bogleheads Guide to Investing”. Has anyone read it? Did it help you? Yes, it is a simple & splendid book. However ... A Boglehead goes to the Public Library and borrows electronic and paper books (and videos and cake pans and tools and seeds for the garden and ...) Bo...
by MJS
Sat Sep 29, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: What kind of irrationality causes investors to accept exorbitant prices for active management?
Replies: 17
Views: 1723

Re: What kind of irrationality causes investors to accept exorbitant prices for active management?

Actually, it's very logical:
A. Rich people have money managers.
B. I have a money manager.
Therefore:
C. I am rich.

What could be more reasonable?
by MJS
Tue Sep 25, 2018 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Helping a sibling
Replies: 26
Views: 3120

Re: Helping a sibling

Give them a book ... The Boglehead Guide to Investing or The Bogleheads' Guide to the Three-Fund Portfolio
by MJS
Tue Sep 25, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 8997

Re: Losing Passion for Hobbies. Cheap or normal aging?

Your younger self's hobbies were not only about activity, but also involved company, companionship, and community. Now you are married, have work colleagues, a meditation group. Your new activities are more solitary. Maybe you need that time alone (classic introvert.) Running & archery can be combin...
by MJS
Sun Sep 23, 2018 6:49 pm
Forum: Personal Consumer Issues
Topic: Experiences (Ideas for)
Replies: 8
Views: 957

Re: Experiences (Ideas for)

Frying Pan looks cool! Experiences in the same airy vein:
- parachute, co- or class
- ultralight passenger or class
- paraglide, co-flight or class
- parasail ride
- balloon ride
- helicopter to Frying Pan?
- heli-skiing
by MJS
Sun Sep 16, 2018 7:13 pm
Forum: Personal Consumer Issues
Topic: Is Hardwood Floor No Maintenance (vs Carpet)?
Replies: 39
Views: 3886

Re: Is Hardwood Floor No Maintenance (vs Carpet)?

Get a monthly cleaning service to come in and clean the place up. +1, although weekly cleaning is a true delight. My original thought was a Roomba, but they are a pain to maintain unless you're bald. Your apartment manager might be able to find someone who cleans several units, so you'll get a pric...
by MJS
Sat Sep 15, 2018 8:16 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 304
Views: 52985

Re: What is your luxury good?

Expensive (competent & caring) pet sitter when I travel. When I come home, my cat checks to see if his treat buddy is behind me. On one trip, I spent more on the sitter than on travel, lodging & food. Although the garden entry fees...
by MJS
Sat Sep 15, 2018 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: How did you decide when to retire?
Replies: 54
Views: 8248

Re: How did you decide when to retire?

On a more social note ... is there a departmental procedure that especially annoys or grieves you? Annual personnel review, quarterly report, the week after ProgramG funding runs out? Retire before it comes due. If you get holiday pay, think about working thru MLK Day. Consider earning enough in 201...
by MJS
Fri Sep 14, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 71
Views: 5517

Re: Shorts in Egypt

VictoriaF wrote:
Fri Sep 14, 2018 6:12 pm
Shorts are a crime against elegance.
But Amelia Peabody wore bloomers! Some things are more important than elegance.
by MJS
Fri Sep 14, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 11775

Re: Age in Bonds - Still Recommended?

The age-in-bonds rule is based on retiring at 65 & dying at 85. If that's not you... 1. Select an asset allocation based on your needs and risk tolerance. https://smartasset.com/investing/asset-allocation-calculator#Z5WV0hFo90 》》》 If you didn't "stay the course" during 2008, ratchet your allocation ...
by MJS
Thu Sep 13, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Determining when to take Social Security if you don’t need the money
Replies: 21
Views: 1834

Re: Determining when to take Social Security if you don’t need the money

The SS start calculators are useful but insufficient. A few of the many factors to consider: *Will you be doing Roth conversations? *Is SS an insurance product or an income stream? *Do you have Long Term Insurance? Is your legacy fund protected from catastrophic medical or family needs? *If the mark...
by MJS
Tue Sep 11, 2018 8:31 pm
Forum: Personal Consumer Issues
Topic: Remodel for aging in place
Replies: 44
Views: 3152

Re: Remodel for aging in place

RadAudit wrote:
Tue Sep 11, 2018 7:59 am
Adjust the height of the toilets
Exactly! If either of you is under 63" / 1.6m, avoid those potentially hazardous ADA height toilets. Squatty potties are beneficial to aging digestive systems, and much safer.
by MJS
Sun Sep 09, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8552

Re: Can Sneakers go with Business Casual?

AlphaLess wrote:
Sun Sep 09, 2018 5:31 pm
Can one wear shorts with a business suit?
It depends on where one is.
https://www.cntraveler.com/stories/2015 ... uda-shorts
by MJS
Sun Sep 09, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8552

Re: Can Sneakers go with Business Casual?

Will you recommend DSW as a good store? Chains ... can have excellent stores, of course. Sometimes. Are most of the sales people over 35 (=people who have been doing this job for at least a decade)? Does this store offer support for orthopedics? Do they carry at least one pair of men's size 6EEE? O...
by MJS
Sat Sep 08, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8552

Re: Can Sneakers go with Business Casual?

... Because my feet hurt in other type of shoes after some walking, but sneakers are very comfortable (and I work better if my feet are not aching). If your feet hurt, you're wearing the wrong size of shoe.* Go to an upscale shoe store - Nordstrom, local store - and get properly measured. Instead o...
by MJS
Thu Sep 06, 2018 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: disability benefits
Replies: 4
Views: 794

Re: disability benefits

Ask Larry, who specializes in Social Security issues:
https://maximizemysocialsecurity.com/ask-larry
by MJS
Fri Aug 31, 2018 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.
Replies: 80
Views: 13731

Re: Retiring. 28 y.o. $5M in cash. Asking for advice for portfolio.

No one else has suggested this, so it's probably Significantly Stupid, but: $1/2 million for Life Costs in 20/80 investments: house, education, marriage, kids, helicopter, a health clinic, a week's stay at an orbital hotel... $1.5 million in 60/40 investments to pay 4% safe withdrawal rate for 30+ y...
by MJS
Fri Aug 31, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Approaching retirement, need to rebalance? SS plan?
Replies: 17
Views: 1683

Re: Approaching retirement, need to rebalance? SS plan?

If either of you remarried after age 60, you might want to run Maximize My Social Security ($40) https://maximizemysocialsecurity.com/households . SS has so many but-if's: a double-check can be worthwhile. About your investments - is your long-term goal to spend down, preserve-amount, preserve-value...
by MJS
Fri Aug 31, 2018 1:13 am
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9963

Re: How do you save money on groceries?

In addition to extending your pantry, you may also have needed to replenish many of the little things this year, perhaps in CostCo sized packages: Herbs & spices, such as your chili powder Baking soda, baking powder, salts, cocoa powder Sauces - soy, Worcestershire, hot... Vinegars & oils Sugar, hon...
by MJS
Mon Aug 27, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2747

Re: What to put in a care package for college student

Young college students range from "wash the sheets in hot water every three days" to bringing very stiff bedding home for Christmas.... Does he need Tide pods, quarters, stain remover spray, a how-to-do-laundry manual (there's a 416 page book available. :wink: ) Money to pay the dorm entrepreneur wh...
by MJS
Fri Aug 24, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7870

Re: I still use cash not credit cards should I reconsider?

How much are privacy & anonymity worth to you? Do you avoid store loyalty cards? Dislike knowing that Google tracks online & brick/mortar purchases via credit cars & names? Many retailers track you & your purchases via debit or credit card for years (which is convenient if you want to return somethi...
by MJS
Thu Aug 23, 2018 3:17 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5423

Re: Test your cognitive biases

I think the cognitive bias is, Is this a math test OR Is this an assessment test? The math bias gets a good score (hurray.) The people who didn't whip out a calculator, envelope or napkin ... didn't do so well.
by MJS
Tue Aug 21, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Repairs, and the economic joys of homeownership
Replies: 17
Views: 2134

Re: Repairs, and the economic joys of homeownership

Being homeowners also makes holiday giving easier: everyone knows that you need Ace Hardware gift certificates! Or a nice little bottle of essential oil for your baths...
by MJS
Tue Aug 21, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: No advance notice to employer
Replies: 42
Views: 4118

Re: No advance notice to employer

At many universities, someone who gives at least a month's notice before retirement keeps their university affiliation: discounts for sports, stores & services; their university ID; and their email account. Oh, and you also get a retirement party plus work time to attend retirement seminars & file a...
by MJS
Mon Aug 20, 2018 11:49 pm
Forum: Personal Consumer Issues
Topic: San Diego - where to stay, what to do with 6 year old
Replies: 30
Views: 2185

Re: San Diego - where to stay, what to do with 6 year old

Rooms with breakfast at the less ritzy but still decent motels run $60-80/night. Would you mind providing a link to one of the $60/night rooms you speak of? I'd love to see what it looks like. Thanks The best I could find this time was $66. 1 Room, free breakfast, free parking: https://www.hotels.c...