Search found 305 matches

by baconavocado
Sun Aug 18, 2019 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 6904

Re: Moving from Bay area, CA to Knoxville, TN

Could you please elaborate the differences ? I am eager to hear. Thanks! Whatever decision you make, I think it will probably have a much larger effect on your children's lives than your own. I've seen this before in my own extended family. Growing up in TN is going to be worlds apart from growing ...
by baconavocado
Sun Aug 18, 2019 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Bay area, CA to Knoxville, TN
Replies: 98
Views: 6904

Re: Moving from Bay area, CA to Knoxville, TN

Whatever decision you make, I think it will probably have a much larger effect on your children's lives than your own. I've seen this before in my own extended family. Growing up in TN is going to be worlds apart from growing up in CA. There are lots of things to consider and the financial side is o...
by baconavocado
Sat Aug 17, 2019 1:17 am
Forum: Investing - Theory, News & General
Topic: Quick (without looking) what do you think YTD total return of US Bond Index is?
Replies: 46
Views: 4003

Re: Quick (without looking) what do you think YTD total return of US Bond Index is?

Why should anyone do this especially without looking? I try not to guess about any thing financial....seems like a way to get in trouble. And if this is just an exercise to make some one feel smarter than me because they know the answer, fine...i already know I'm not the smartest person around. In ...
by baconavocado
Wed Aug 14, 2019 5:42 pm
Forum: Investing - Theory, News & General
Topic: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"
Replies: 40
Views: 3787

Re: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"

"many investors operate small "side" portfolios that consist of individual stocks. Such portfolios are usually ripe for the cutting when I do my Portfolio Makeovers each year. They often duplicate exposures found elsewhere in the portfolio, adding more complexity and risk than they improve the port...
by baconavocado
Wed Aug 14, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Dishwasher Fiasco
Replies: 52
Views: 3061

Re: Dishwasher Fiasco

I've also heard that dishwasher installers will not install if there is any sign of rotten wood under the old dishwasher, the kind you might find if there was a leak in the old unit. Quite common, I think. If you're having an electrician out to remove the old unit and install an outlet, you might wa...
by baconavocado
Sun Aug 11, 2019 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Remodeling - phases vs all at once
Replies: 12
Views: 795

Re: Remodeling - phases vs all at once

I have limited experience with this, but I would say that one argument for doing it in phases is that, if you've never done this before, you'll definitely learn some lessons during the first phase and then you can apply what you've learned to the second phases or future projects. Things that I learn...
by baconavocado
Fri Aug 09, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 2888

Re: "Rent the Back Yard"

I don't know about anyone else, but for me, nothing screams privacy like a weirdo living in a shed in my backyard. Amen. A neighbor once proposed that I rent out my garage to him. I'm like, yeah, I want you and your friends and family members and dogs coming onto my property at all hours of the day...
by baconavocado
Wed Aug 07, 2019 12:31 pm
Forum: Personal Consumer Issues
Topic: Soil erosion, rain runoff— major concern or no?
Replies: 17
Views: 1277

Re: Soil erosion, rain runoff— major concern or no?

I would be wary of anyone hurriedly trying to cover up a problem just before they sell their house, particularly anything to do with landscaping. I saw tons of this activity during the housing boom. People would roll sod on the ground with no soil prep and no sprinklers the day before the house was ...
by baconavocado
Fri Aug 02, 2019 11:21 am
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8155

Re: Extreme Anxiety with Time/Money

Well, you've gotten a lot of advice here. I would just add that I felt just like you in my 30s and I survived. I was always trying to do everything myself (still do), getting in over my head, tasks taking longer than I thought they should, and not feeling like I was doing an adequate job. One proble...
by baconavocado
Wed Jul 24, 2019 1:29 am
Forum: Personal Consumer Issues
Topic: Thank you notes,,, out of favor these days?
Replies: 107
Views: 5798

Re: Thank you notes,,, out of favor these days?

Thank you notes are a sign of good manners. None of my nieces and nephew send them. I don't think I even got email thank yous, although they are well into their thirties now, so I don't remember about the latter. If I spend big bucks or put a lot of thought into a present, I would at least like to ...
by baconavocado
Sun Jul 21, 2019 10:18 pm
Forum: Personal Investments
Topic: options in wellsfargo/wellstrade for higher yields
Replies: 4
Views: 328

Re: options in wellsfargo/wellstrade for higher yields

I moved my cash to Vanguard and now only keep a minimum amount at WFB to pay credit card bills, etc. To satisfy the minimum balance requirements for WFB PMA, I invested $20K in a Vg ETF through their brokerage.
by baconavocado
Wed Jun 19, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 34
Views: 3555

Re: Umbrella policy went up 166%

I'm paying about $200/yr for $1m umbrella. What did you do? Oh yes...I forgot that part. :D My 16 year got his license and I have 10 rental properties. The "change," from last year is only the 16 year old getting his license. Which, I'm not sure that requires a $1100 bump in the policy cost. My tee...
by baconavocado
Mon Jun 10, 2019 5:33 pm
Forum: Personal Consumer Issues
Topic: Anything you wish you had spent money on when you were younger?
Replies: 73
Views: 7459

Re: Anything you wish you had spent money on when you were younger?

Another travel lament. In college, I had an opportunity to go to China with a good friend who is Chinese. My friends who went were able to see the country in a way I could not hope to now even if I had the time for a multi-week trip. Instead, I went home for the summer to work for $10/hr :oops: Sam...
by baconavocado
Sun Jun 09, 2019 11:36 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7424

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

Nissanzx1 wrote:
Wed Jun 05, 2019 3:03 am
Yes just returned 10 hour round trip in 2003 Honda with 281K.
Just returned from 22 hour round trip (2 x 650 miles) in 2006 Toyota with 100K miles.
by baconavocado
Wed Jun 05, 2019 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without a garage?
Replies: 95
Views: 6326

Re: Would you buy a house without a garage?

sschoe2 wrote:
Wed Jun 05, 2019 8:05 am
. . . A garage costs what $20-$30k to build. . . . .
I don't know what area of the country you're from, but on the west coast, $20-30K will get you a concrete foundation for a garage.
by baconavocado
Fri May 24, 2019 12:01 am
Forum: Personal Consumer Issues
Topic: This rake is the best tool I've bought this week
Replies: 35
Views: 5538

Re: This rake is the best tool I've bought this week

Raking is one of my favorite garden activities, but I'm not picky about the quality of my rakes, although I draw the line at plastic rakes.

My Finnish neighbor said I am the best raker he has ever seen, so that is some high praise indeed!
by baconavocado
Tue May 21, 2019 10:46 pm
Forum: Personal Consumer Issues
Topic: Another Honda maintenance thread
Replies: 44
Views: 3609

Re: Another Honda maintenance thread

Re: changing the brake fluid, we have a 7 year old Prius that has never had the brake fluid changed, and it's also an expensive service item ($200) because it has some type of computer control. It was coming up on a major maintenance interval so I asked a mechanic about it and he said newer brake sy...
by baconavocado
Tue May 14, 2019 8:15 am
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2512

Re: PSA: Do you have working carbon monoxide detectors?

Has anyone DIY-d the swap of older smoke detectors for the new combo smoke/CO detectors? Looks like it would be pretty straightforward. I noticed that the company that makes our smoke detectors now makes a combo unit. I don't know if they would be compatible with the CPU in our alarm system, which ...
by baconavocado
Mon May 13, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2512

Re: PSA: Do you have working carbon monoxide detectors?

Has anyone DIY-d the swap of older smoke detectors for the new combo smoke/CO detectors? Looks like it would be pretty straightforward. I noticed that the company that makes our smoke detectors now makes a combo unit. I don't know if they would be compatible with the CPU in our alarm system, which i...
by baconavocado
Mon May 13, 2019 10:18 pm
Forum: Personal Consumer Issues
Topic: Home warranty - is it worth the money?
Replies: 37
Views: 2874

Re: Home warranty - is it worth the money?

No. You can search this topic on the board to find out why. In summary, home warranties are a rip-off. They don't cover things that commonly break, and when they do cover it, they aren't going to repair it when it breaks (e.g., weekends, evenings, etc.). These things are about as valuable as extende...
by baconavocado
Mon May 13, 2019 9:23 pm
Forum: Investing - Theory, News & General
Topic: That's enough for me in 2019
Replies: 814
Views: 92400

Re: That's enough for me in 2019

Out of most of the QQQ short at ~179 today. Added a small position (8%) to int'l equities. Used the rally in 5-year Treasuries (to under 2.2% yield) to hedge duration on my investment grade bond fund. New allocation: 10% gold 5% silver 15% crude oil and oil majors 10% long term bonds -8% US equitie...
by baconavocado
Sun May 12, 2019 10:30 pm
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3947

Re: Tired of a reel mower

I put Briggs and Stratton in the same category as American car makers. About 10 years ago, maybe more, the Calif Air Resources Board was in the process of implementing new air emissions rules for small engines, and gas-powered garden equipment in general, I think. B&S screamed bloody murder, said t...
by baconavocado
Sat May 11, 2019 9:04 pm
Forum: Personal Consumer Issues
Topic: What to know before moving all my belongings into storage?
Replies: 19
Views: 2006

Re: What to know before moving all my belongings into storage?

Good advice in the posts above. If you have valuable furniture, climate-controlled storage can help prevent damage to wood joints and finishes resulting from swings in temperature. I'd cover everything with dust cloths, old bed sheets, or something like that. Take photos of the stacked, stored stuff...
by baconavocado
Sat May 11, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3947

Re: Tired of a reel mower

I put Briggs and Stratton in the same category as American car makers. About 10 years ago, maybe more, the Calif Air Resources Board was in the process of implementing new air emissions rules for small engines, and gas-powered garden equipment in general, I think. B&S screamed bloody murder, said th...
by baconavocado
Sat May 11, 2019 12:08 am
Forum: Personal Consumer Issues
Topic: Tired of a reel mower
Replies: 42
Views: 3947

Re: Tired of a reel mower

If for some reason you do end up looking at gasoline, make sure you get a Honda engine. Bad advice. You’re paying for a brand only. KOHLER is better and cheaper, Briggs is cheaper (but not better). All will last 10+ years I strongly disagree. Honda makes the best small engines by far, and the best ...
by baconavocado
Thu May 09, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5548

Re: House selling - modern norms

It makes me laugh to remember some of the sale houses we looked at in the 80s, where the sellers didn't even bother to clean up their messes and they expected to sell with pet feces all over the yard, broken fences, appliances and HVAC units on their last legs, roofs leaking, etc. Today if you try ...
by baconavocado
Thu May 09, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: House selling - modern norms
Replies: 36
Views: 5548

Re: House selling - modern norms

P.S. Worked with an Irish guy 15 years ago. He was baffled by people in US spending so much money remodeling to sell -- back home they sold closer to as-is (cleaned and repaired, not renovated), and buyer planned on remodeling how THEY wanted it. Makes a lot of sense -- spend the $$ to live and enj...
by baconavocado
Sun May 05, 2019 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 On Sale
Replies: 19
Views: 2299

Re: Quicken 2019 On Sale

I only buy Quicken every 10 years, or when it becomes incompatible with my operating system. I don't use their automatic download features.
by baconavocado
Thu May 02, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Short BYND? (beyond meat, IPO today)
Replies: 76
Views: 5797

Re: Short BYND? (beyond meat, IPO today)

I would go long on soybeans, peas, etc. and short beef.

Meat consumption is on a long-term decline, cattle have many negative effects on the environment, and beef has problems for human health.

When I was a kid, we used to eat beef 3-4 times/week. Now, my wife and I might eat it once/month.
by baconavocado
Tue Apr 30, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Chiropracter career no longer lucrative...what other job options are there?
Replies: 41
Views: 5558

Re: Chiropracter career no longer lucrative...what other job options are there?

It's a loooong way from DC to MD, and not cheap either. And that's assuming a resume that would get you into medical school in the first place. My cynical assumption is that if had the grades/resume to become an MD/DO then he wouldn’t have become a Chiropractor at the outset. What about becoming a ...
by baconavocado
Sat Apr 27, 2019 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Colleague salary comparison
Replies: 54
Views: 6314

Re: Colleague salary comparison

I always worked in jobs where I knew what my coworkers were making, maybe not to the penny, but the general range. I left jobs twice because I thought I was underpaid and I didn't regret it either time, in fact, it felt fantastic (anecdotally, both companies went downhill after I left, but both were...
by baconavocado
Wed Apr 24, 2019 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Home Owners Insurance - 40 percent increase
Replies: 34
Views: 3144

Re: Home Owners Insurance - 40 percent increase

DrGoogle2017 wrote:
Tue Apr 23, 2019 11:53 pm
I’m in California, insurance went up about 10-15%. I think it’s the fire this year.
Me too. Mine went up 12% this year.
by baconavocado
Wed Apr 24, 2019 12:08 am
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1381

Re: Traveling to paris and amboise next week

I'll second Chenonceau and the weekend farmer's market in Amboise. Worth skipping paris to stay extra in? I don't know. Paris is one of my favorite cities, maybe my favorite city in the world. If you go to the farmer's market in Amboise, look for a guy making fresh paella in a huge skillet.
by baconavocado
Mon Apr 22, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Traveling to paris and amboise next week
Replies: 19
Views: 1381

Re: Traveling to paris and amboise next week

I'll second Chenonceau and the weekend farmer's market in Amboise.
by baconavocado
Sat Apr 20, 2019 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 62
Views: 6971

Re: Where do you keep your emergency fund?

I used to keep about 3/4 of our EF at Vanguard in VMFXX and 1/4 at Wells Fargo in a savings account, but the savings account wasn't earning anything so I bought VTI with that money (to satisfy the minimum balance requirements for WFB Portfolio account) and now I keep all my cash for the EF at Vangua...
by baconavocado
Fri Apr 19, 2019 12:44 am
Forum: Personal Investments
Topic: Thinking about selling stocks near all time highs
Replies: 98
Views: 9845

Re: Thinking about selling stocks near all time highs

I don't get it. The S&P 500 is up about 13 or 14% so far this year. It was down over 4% for all of 2018. None of this sounds extraordinary to me. I checked my AA about a week ago and it was within 5% of my targets so I'm not even going to bother rebalancing even though I was scheduled to do it in th...
by baconavocado
Tue Apr 16, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: Washing Machine that uses a LOT of Water
Replies: 73
Views: 4463

Re: Washing Machine that uses a LOT of Water

Is your stuff that dirty? Unless doing a project (gardening, plumbing, painting, etc.) I usually run the 27 minute quick cycle on my front loader. What is so dirty about your stuff that you need to use so much water? I only use longer cycles on things like kitchen towels and cleaning rags and it ge...
by baconavocado
Mon Apr 15, 2019 7:33 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6099

Re: Women, How Much Do You Pay for Haircut

My wife...$150 about every 6 weeks......Not sure what that includes. :shock: :shock: And you call yourself a BH........... There are some things you just can't control, right? While I'm perfectly happy with home-brewed coffee and free office coffee, My husband has a $4 cappuccino every day! Sometim...
by baconavocado
Mon Apr 15, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: Recommendations on treadmill purchase
Replies: 16
Views: 1207

Re: Recommendations on treadmill purchase

Recommend a gym membership instead. They will have better equipment and you won’t have to deal with maintenance. +1 Not sure which model it was but I recently hauled both a treadmill and an exercise bike out of my in-laws basement where they had been taking up space for a couple decades. They were ...
by baconavocado
Mon Apr 15, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6099

Re: Women, How Much Do You Pay for Haircut

drawpoker wrote:
Sun Apr 14, 2019 11:08 pm
baconavocado wrote:
Sun Apr 14, 2019 10:29 pm
My wife...$150 about every 6 weeks......Not sure what that includes.
:shock: :shock:

And you call yourself a BH...........
There are some things you just can't control, right?
by baconavocado
Sun Apr 14, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Women, How Much Do You Pay for Haircut
Replies: 94
Views: 6099

Re: Women, How Much Do You Pay for Haircut

My wife pays $150 about every 6 weeks according to our records. Not sure what that includes.
by baconavocado
Fri Apr 12, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1515

Re: Another lawn mower thread:

I've got a self propelled Toro with a B&S engine and I have to say I have been pleasantly surprised at it's reliability. I've always just let gas sit in it over the winter and never used any fuel stabilizer or anything. Original spark plug. After 5 years it has had maybe 3 starts that required more...
by baconavocado
Thu Apr 11, 2019 11:51 pm
Forum: Personal Consumer Issues
Topic: Another lawn mower thread:
Replies: 23
Views: 1515

Re: Another lawn mower thread:

self propelled is just something else than eventually breaks and/or needs adjusted and if you don't do your own annual maintenance adds a few bucks to the cost. Definitely get a self-propelled mower. None of us are getting any younger and 100x175 is a large area. I would get a Honda gas mower. Very...
by baconavocado
Thu Apr 11, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: Gardening 2019
Replies: 111
Views: 9899

Re: Gardening 2019

I'm jealous of all you vegetable gardeners. I decided I have too much on my to-do list to take on a garden this summer. Even so, I still have to put in a couple tomatoes and some basil. I might try that Florida weave thing, but the stakes she was using look waaaaay too short for my tomatoes.
by baconavocado
Thu Apr 11, 2019 7:16 pm
Forum: Personal Consumer Issues
Topic: Ingenious Way To Find Reasonably Priced Painter
Replies: 57
Views: 7414

Re: Ingenious Way To Find Reasonably Priced Painter

All the painting contractors in my area are Caucasian guys who drive $100K pickups. After you sign the contract their Hispanic crew shows up in a 25 year old pickup or van. I would prefer to deal directly with the guys who actually do the painting but apparently they aren't licensed. My neighbor hir...
by baconavocado
Wed Apr 10, 2019 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, why won't anyone hire me?
Replies: 194
Views: 18468

Re: Bogleheads, why wont anyone hire me?

I completely disagree with this. In my field (science) it's quite common for people with graduate degrees to have less-than-perfect English skills because they were born in a foreign country and came to the US as a graduate student or post-doc. Do you have a different view if the person is a native...