Search found 435 matches

by baconavocado
Tue May 26, 2020 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice for science PhD student
Replies: 18
Views: 1144

Re: Career advice for science PhD student

I honestly wonder whether graduate schools are cranking out more PhDs than the economy can handle, or maybe they've become addicted to higher tuition rates charged to foreign students. I once worked for a government agency that hired PhDs and had them working on tasks that I could have trained a sma...
by baconavocado
Thu May 21, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Blown Power Amplifier: Repair or Replace? [resolved]
Replies: 39
Views: 1768

Re: Blown Power Amplifier: Repair or Replace?

Best of luck with this. I recently lost a 35-year old Yamaha amplifier. Turned it on and smoke and the smell of burned electrical parts came from the top. I did some research and decided it really wasn't worth repairing. It was very difficult to discard it.
by baconavocado
Sat May 16, 2020 1:32 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6177

Re: Alternatives to Craftsman Tools

I don't have much to add to what has already been said except that I'm not too impressed by a lifetime warranty. If a wrench or socket doesn't fit well it doesn't matter to me whether the manufacturer will replace it if it breaks.
by baconavocado
Thu May 14, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2907

Re: Secretly Retired - Family doesn't know

celia wrote:
Thu May 14, 2020 2:16 pm
If you are married, the one person who should know is your spouse. In fact, I suspect this would be to the retiree’s benefit as they would have someone to talk to about it and jointly they could keep this secret together.
LOL! I'm calling in sick again today honey.
by baconavocado
Wed May 13, 2020 12:59 pm
Forum: Personal Consumer Issues
Topic: COVID - 19 things to do
Replies: 51
Views: 4115

Re: COVID - 19 things to do

I'm finding it hard to stay positive as well. I find myself dwelling on the news far too much. Exercise does help but there are many days I just don't feel like going outside and not only because of the health risk.
by baconavocado
Wed May 13, 2020 12:13 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10756

Re: Dentist charges $10 for PPE

Interesting, I wonder if this will be a trend. Businesses will obviously have extra costs to deal with the pandemic. I think I would have handled it the same way you did.
by baconavocado
Thu May 07, 2020 7:32 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15521

Re: So what are you cooking

Lasagna tonight.
by baconavocado
Thu May 07, 2020 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Home insurance up 40%, stay w/same company due to possible roof issues?
Replies: 22
Views: 1499

Re: Home insurance up 40%, stay w/same company due to possible roof issues?

A couple friends and neighbors have told me recently that they got big premium increases when they renewed their homeowners policy this year and I'm wondering if this is an industry-wide trend that has nothing to do with your roof.
by baconavocado
Wed May 06, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

I ordered some special hair cutting scissors so my wife could give me a haircut but they're backordered for a month. I couldn't wait so she gave me a haircut yesterday with our office scissors and a small battery operated hair clipper and it's at least as good as what my barber does. I may never go ...
by baconavocado
Mon May 04, 2020 2:31 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55515

Re: How to get Toilet Paper ? seriously.

BigFoot48 wrote:
Mon May 04, 2020 2:21 pm
Went to Costco this morning at 10:30 and never saw so much Costco toilet paper since becoming a Price Club member all those decades ago.
Whoa! Supply chain fixed?
by baconavocado
Thu Apr 30, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: Ads in Yahoo email inbox that aren't email
Replies: 36
Views: 3416

Re: Ads in Yahoo email inbox that aren't email

I pay the $20/year for ad free. It might be $30/year now come to think of it. Minor in the grand scheme. They want you to see the ads, if you don't (blocker) you likely can't use the service. I've considered retiring our yahoo.com address. Anything financial or important is on a safer/more secure e...
by baconavocado
Thu Apr 30, 2020 11:46 am
Forum: Investing - Theory, News & General
Topic: Why are stocks down "only" 10% YTD?
Replies: 31
Views: 3313

Re: Why are stocks down "only" 10% YTD?

John C. Bogle said that the best piece of investment advice he had ever gotten was one from a seasoned investment professional just after he began working: "Nobody knows nothing." The time course of "the market" in a downturn while you are actually in it, is much much less clear than it seems to be...
by baconavocado
Thu Apr 30, 2020 10:54 am
Forum: Investing - Theory, News & General
Topic: Are gamblers using the market now that casinos are closed?
Replies: 46
Views: 2985

Re: Are gamblers using the market now that casinos are closed?

The only guy I knew who was sort of addicted to sports betting didn't know a single thing about investing. He kept his retirement savings, the part he didn't blow on sports betting and casinos, in a fund that paid bank savings account type rates.
by baconavocado
Wed Apr 29, 2020 8:34 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9274

Re: Anyone wish they would have invested more during recent downturn?

I'm continuing to follow Boglehead principles, in general, and I don't think I would have done anything differently. I've exchanged 30% of our bond funds for stock funds since the correction began. In retrospect, my timing wasn't perfect, but so far I'm significantly better off than if I had done no...
by baconavocado
Wed Apr 29, 2020 8:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone wish they would have invested more during recent downturn?
Replies: 110
Views: 9274

Re: Anyone wish they would have invested more during recent downturn?

I did not follow my IPS. :oops: I was 70/30 stocks/bonds. When things started to fall, I moved 5% of the bonds to stocks (total US and INT) each day that the carnage was “ugly,” which I defined as drops of 3% or so. By the time I was completely out of bonds — six or seven ugly days — and 100% in st...
by baconavocado
Fri Apr 24, 2020 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Moving out of NYC due to pandemic
Replies: 164
Views: 12691

Re: Moving out of NYC due to pandemic

I can't comment on your particular situation but I know many people who have made major mistakes in their life by moving, usually from a HCOL area to a LCOL area. In most cases, it was people whose property value went up suddenly and they thought they would be "cashing out !! ka-ching !! we can affo...
by baconavocado
Thu Apr 23, 2020 6:20 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72292

Re: Bogleheads community discussion - Coronavirus

Hopes dashed as coronavirus drug remdesivir fails first trial

https://www.bbc.com/news/world-52406261
by baconavocado
Mon Apr 20, 2020 7:12 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72292

Re: Bogleheads community discussion - Coronavirus

I was doing some reading on Wikipedia about other coronavirus-related diseases like SARS and MERS. Neither of these diseases has an approved vaccine yet, although neither appears to be as contagious/transmissible as covid-19. It's also interesting to me that, despite all the research and funding, th...
by baconavocado
Mon Apr 20, 2020 6:54 pm
Forum: Investing - Theory, News & General
Topic: Did any Bogleheads blink?
Replies: 42
Views: 3952

Re: Did any Bogleheads blink?

I'm continuing to rebalance out of bonds and into stocks. I started on 3/18 and haven't quite gotten there yet. I was trading VBTLX for VTIAX today. Besides the market turmoil, I decided to increase our stock allocation for various reasons. We've been at 60/40 for the last several years and now I'm ...
by baconavocado
Mon Apr 20, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8071

Re: [Oil futures prices plummets, Bogleheads react]

The excess oil supply will be used up by the loaded oil tankers that are sailing around in circles in every ocean. Or by the empty passenger jets flying back and forth to major airports.

This is how the world ends.

(/sarcasm)
by baconavocado
Sun Apr 19, 2020 11:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5433
Views: 1349438

Re: What Movie Have You Recently Watched?

The Ritual. On Netflix. I recommend watching it late at night. Reuniting after the tragic death of their friend, four college pals set out to hike through the Scandinavian wilderness. The story follows four friends who decide to do something adventurous like hike a trail in the Swedish woods instea...
by baconavocado
Sun Apr 19, 2020 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Received stimulus funds but don't think we're eligible
Replies: 13
Views: 2003

Re: Received stimulus funds but don't think we're eligible

So you're not eligible for anything at all based on the calculators, like this one:
https://www.washingtonpost.com/graphics ... alculator/
by baconavocado
Wed Apr 15, 2020 12:03 am
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

lostdog wrote:
Tue Apr 14, 2020 8:38 am
Mid 40's with a full head of hair.

Letting it grow long. The wife like it.
For those holding out and hoping the barbers/hairdressers reopen (like me), please post when you capitulate.
by baconavocado
Mon Apr 13, 2020 4:11 pm
Forum: Investing - Theory, News & General
Topic: What in the world is propping up this market?
Replies: 206
Views: 20748

Re: What in the world is propping up this market?

Cheaper and more available testing? An effective treatment? A vaccine?
by baconavocado
Sun Apr 12, 2020 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quarterly Taxes
Replies: 43
Views: 2503

Re: Quarterly Taxes

I'm staying with the normal schedule with all my tax bills. I also want to thank the forum for informing me about paying taxes online via ACH transfer from my checking account. This is the first year I'm doing all quarterly state and federal income tax payments, as well as property tax payments onli...
by baconavocado
Sat Apr 11, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Who else is working longer hours from home with frozen/reduced compensation?
Replies: 26
Views: 3116

Re: Who else is working longer hours from home with frozen/reduced compensation?

In my company (before I retired) those w/o children were expected to pick up the slack. It's not fair but it is what it is.
by baconavocado
Fri Apr 10, 2020 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27158

Re: just got my $1200 stimulus payment

So, singles with AGI < $75K and married couples with AGI < $150K on their most recent income tax return get the checks? The FULL amount yes. But you can make more than that and still get partial. $500 per child as well. Thanks, just found this calculator: https://www.washingtonpost.com/graphics/bus...
by baconavocado
Fri Apr 10, 2020 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: [Government stimulus payments]
Replies: 351
Views: 27158

Re: just got my $1200 stimulus payment

So, singles with AGI < $75K and married couples with AGI < $150K on their most recent income tax return get the checks?
by baconavocado
Fri Apr 10, 2020 6:00 pm
Forum: Personal Consumer Issues
Topic: Garden edging- question
Replies: 24
Views: 2073

Re: Garden edging- question

I agree with prairieman that weeds are always going to be issue. Even if you use rock, material eventually settles between the rocks and weeds grow there. So you can sort of get in there and control that manually, or do what I would do which is spray some Roundup along the length of it occasionally,...
by baconavocado
Fri Apr 10, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: Explaining the Recent Performance of Stocks and Bonds
Replies: 3
Views: 285

Re: Explaining the Recent Performance of Stocks and Bonds

My take is that the markets are anticipating upcoming actions that might allow reopening of businesses, e.g., testing/tracking, testing for antibodies, more effective medical treatments, and ultimately a vaccine. But it seems to me this episode is going to lead to permanent changes in the economy th...
by baconavocado
Fri Apr 10, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: Garden edging- question
Replies: 24
Views: 2073

Re: Garden edging- question

I would backfill with the soil you removed from the trench. We used to use something like this, only made of steel and a little more heavy-duty, in a garden where I worked. We backfilled with the native soil. I am extremely careful about bringing any material into my yard, like rock or gravel, that ...
by baconavocado
Fri Apr 10, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4684

Re: What if one rebalanced on March 16, the RBD?

livesoft wrote:
Fri Apr 10, 2020 2:47 pm
baconavocado wrote:
Fri Apr 10, 2020 2:45 pm
0.5% of a $1M portfolio is $10K. I'll take it!
What?!?? I know that 2 times 2 is 5 for large values of 2, but how did you get your number?
Woops, $5K, but I'll still take it.
by baconavocado
Fri Apr 10, 2020 2:45 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4684

Re: What if one rebalanced on March 16, the RBD?

Part of the reason is the math: If one moves 5% of their portfolio and that 5% gains or loses 10% over not moving it, then that's just a 0.5% change in their portfolio performance (10% of 5% is 0.5%). So one has to exchange a more significant fraction of their portfolio when rebalancing to affect p...
by baconavocado
Fri Apr 10, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4684

Re: What if one rebalanced on March 16, the RBD?

It would be interesting to know how managers of balanced funds or target date funds achieve their rebalancing, since they could maybe significantly improve their fund's performance by trading on the most favorable days. Are they huddled around their monitors on RBDs, ready to hit the enter key at ex...
by baconavocado
Fri Apr 10, 2020 1:25 pm
Forum: Investing - Theory, News & General
Topic: What if one rebalanced on March 16, the RBD?
Replies: 80
Views: 4684

Re: What if one rebalanced on March 16, the RBD?

We did our rebalancing and new contributions on March 16th because that date just happened to fit our IPS instructions. Maybe we got a little lucky there. At the end of the day selling appreciated bonds to buy depreciated stocks has usually had positive results. I get the concept of RBDs and rebala...
by baconavocado
Thu Apr 09, 2020 7:57 pm
Forum: Personal Investments
Topic: Portfolio Size Based Allocation Glidepath
Replies: 11
Views: 725

Re: Portfolio Size Based Allocation Glidepath

I don't get this. The AA should depend on both size (w/respect to expenses) and age, e.g., greater size => more risk, greater age => less risk, and vice versa. Of course, it also depends on individual circumstances, whether you want to leave a fat inheritance to your heirs, or keep open the possibil...
by baconavocado
Tue Apr 07, 2020 8:00 pm
Forum: Personal Consumer Issues
Topic: How do you maximize enjoyment after achieving FI?
Replies: 161
Views: 8456

Re: How do you maximize enjoyment after achieving FI?

As you can see from the responses, what makes you happy depends on your own values. You need to really know yourself in order to answer the question "what makes me happy". If you're only in your 30s, I would imagine that you're still learning this. You need to get out there and travel and learn to f...
by baconavocado
Sun Apr 05, 2020 11:25 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 611
Views: 31846

Re: What are you listening to now

Groove Theory - TELL ME https://www.youtube.com/watch?v=THtqUDitQ4I Nice vocals! Amel Larrieux !! Nice. I found another piece where she is featured on vocals w/ Glenn Lewis (a Stanley Clarke album): "Where is the Love" - remake https://www.youtube.com/watch?v=S71BlQw_3SA Nice arrangement. Glenn's v...
by baconavocado
Sun Apr 05, 2020 10:13 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 611
Views: 31846

Re: What are you listening to now

JAZZISCOOL wrote:
Sun Apr 05, 2020 10:04 pm
baconavocado wrote:
Sun Apr 05, 2020 10:01 pm
Groove Theory - TELL ME
https://www.youtube.com/watch?v=THtqUDitQ4I
Nice vocals!
Amel Larrieux !!
by baconavocado
Sun Apr 05, 2020 9:33 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 611
Views: 31846

Re: What are you listening to now

The Chainsmokers & Coldplay - Something Just Like This
https://www.youtube.com/watch?v=FM7MFYoylVs
by baconavocado
Sun Apr 05, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 611
Views: 31846

Re: What are you listening to now

Blackstreet ft. Dr. Dre, Queen Pen - No Diggity
https://www.youtube.com/watch?v=3KL9mRus19o
by baconavocado
Fri Apr 03, 2020 9:30 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20100

Re: What are you doing for haircuts due to coronavirus shutdown?

I was due for a haircut at the very moment all the shops closed, so I'm more than a month overdue now. I can't stand it, it gets in the way and it's a pain just to wash it. My wife says she'll cut it if she can buy $200 of new equipment (that will most likely be used once and then go in the attic or...
by baconavocado
Fri Apr 03, 2020 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: Another Quicken 17 question
Replies: 3
Views: 249

Re: Another Quicken 17 question

If you don't use Quicken directly to download your transactions into the program, I think what you're doing should continue to work. I've never used Quicken to download anything other than stock/fund quotes into the program. I enter all my account transactions manually. I expect the quote download t...
by baconavocado
Mon Mar 30, 2020 8:27 pm
Forum: Investing - Theory, News & General
Topic: Has Your Asset Allocation Strategy Changed?
Replies: 73
Views: 3701

Re: Has Your Asset Allocation Strategy Changed?

We've been 60/40 for the past five years. I'm thinking I will let it drift to 70/30 through rebalancing by the end of the year. The reason is that our portfolio has increased in size over the years and our annual expenses have stabilized. And the recovery phase of a bear market is a good time to inv...
by baconavocado
Mon Mar 30, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to find landscaping architect?
Replies: 6
Views: 443

Re: How to find landscaping architect?

I found some tips for landscaping steep hillsides with native plants by doing internet searches. There seems to be an entire discipline devoted to the subject.

For clearing grass and vegetation on steep slopes, some people rent goats.
by baconavocado
Sun Mar 29, 2020 9:16 pm
Forum: Personal Consumer Issues
Topic: Trip Cancelled-No Trip Insurance
Replies: 27
Views: 2960

Re: Trip Cancelled-No Trip Insurance

My wife also got a credit for an Alaska Air flight cancellation. All she has to do is pay a $150 change fee for her $210 ticket. So her ticket is for travel outside the current fee waiver window? https://www.alaskaair.com/content/advisories/travel-advisories?int=AS_HomePage_AdvisoryBR_L1||2020_CV_A...
by baconavocado
Sun Mar 29, 2020 6:31 pm
Forum: Personal Consumer Issues
Topic: Trip Cancelled-No Trip Insurance
Replies: 27
Views: 2960

Re: Trip Cancelled-No Trip Insurance

I personally didn’t lose any money on airline tickets or other travel yet. Tickets were either refunded without fees (Delta) or converted to wallet credit for a non-refundable (Alaska Basic economy!) ticket I chose not to fly. Hopefully I will be able to use the credit for another trip by the end o...
by baconavocado
Sun Mar 29, 2020 4:15 pm
Forum: Investing - Theory, News & General
Topic: Why use percentage AA with significant assets?
Replies: 109
Views: 5267

Re: Why use percentage AA with significant assets?

Investors with significant assets could’t care less about “yearly expenses”. In other words, their spending has plateaued, there really is nothing more they can spend money on that would increase their enjoyment of life. This is an interesting concept to me. It seems to come about with a combinatio...
by baconavocado
Fri Mar 27, 2020 8:30 pm
Forum: Investing - Theory, News & General
Topic: CHART: The Uncertain Course of Bear Markets
Replies: 17
Views: 2909

Re: CHART: The Uncertain Course of Bear Markets

Thanks for posting this. I've been bewildered by the threads questioning "when is this going to end" and "is this the bottom". I think we've all gotten complacent during the last long bull market. Um, bear markets can last years and can be quite boring. The coronavirus is not the only major problem ...