Search found 240 matches

by baconavocado
Mon Mar 18, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Slow cooker vs Instant pot........
Replies: 59
Views: 3227

Re: Slow cooker vs Instant pot........

There was another thread where I discussed the many ways I dislike the Instant Pot. Here's another that I recently learned about: When you release the pressure at the end of the cooking cycle, steam escapes from the pot into your kitchen under high pressure. This steam that is released is not just w...
by baconavocado
Sun Mar 17, 2019 10:18 pm
Forum: Investing - Theory, News & General
Topic: Favorite investment quote
Replies: 73
Views: 3445

Re: Favorite investment quote

I can't find the source of this one:

Make your money in stocks, save your money in bonds.
by baconavocado
Thu Mar 14, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Property tax hacks in California
Replies: 53
Views: 4697

Re: Property tax hacks in California

You have no idea! It's the golden hand cuffs phenomenon. The high cost of real estate in the coastal areas of California can make financial planning mind-boggling and fly in the face of what would be consider "reasonable". Consider this: It's 2019. You bought your house in 1983 for $400,000 and it'...
by baconavocado
Thu Mar 14, 2019 12:21 pm
Forum: Personal Consumer Issues
Topic: Trip to Osaka in late July early Aug. Must see. Things to do.
Replies: 26
Views: 1239

Re: Trip to Osaka in late July early Aug. Must see. Things to do.

Wow, these are great ideas. We're planning a trip to Japan in spring 2020. Thanks to everyone who commented and to the OP.

Anyone climb Mt. Fuji?
by baconavocado
Thu Mar 14, 2019 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Property tax hacks in California
Replies: 53
Views: 4697

Re: Property tax hacks in California

If you look at property tax rolls, there are lots of people paying very low taxes on very high value properties. Most bought the properties before they appreciated in value, like many years ago or during a slump in the market, or they inherited them.
by baconavocado
Wed Mar 13, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: Utility bill hits new highs! What can I do?
Replies: 55
Views: 2766

Re: Utility bill hits new highs! What can I do?

These are issues that caused our utility rates to increase in the past and were kind of hard to track down: 1 - In one house, our heat/ac registers were mounted high on the wall in a house with vaulted ceilings. The flexible ducts were attached to the registers with duct tape. The duct tape failed i...
by baconavocado
Sun Mar 10, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: 6 day Tallinn/Riga/Latvia - where to spend time?
Replies: 14
Views: 919

Re: 6 day Tallinn/Riga/Latvia - where to spend time?

So the title of this should be Tallinn/Riga/Vilnius - where to spend time?
by baconavocado
Sun Mar 10, 2019 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Delayed gratification.
Replies: 39
Views: 3345

Re: Delayed gratification.

It's definitely a balancing act, but there are plenty of things in life that bring lasting happiness and don't cost much. Personal relationships and different/varied experiences (e.g., travel) are examples. It sounds like you've worked quite hard most of your life. If I were you, I'd like to see tha...
by baconavocado
Sun Mar 10, 2019 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Accounting for house in net worth, expenses
Replies: 66
Views: 3923

Re: Accounting for house in net worth, expenses

I use my current estimated value of my house, based on real estate valuation and Zillow, as the value of the asset portion of the house. I update occasionally, maybe every 2-3 years. I use my current mortgage balance as the liability portion attached to the house. Net worth is a statement of your c...
by baconavocado
Sun Mar 10, 2019 1:19 pm
Forum: Personal Consumer Issues
Topic: Three Days in DC
Replies: 61
Views: 2106

Re: Three Days in DC

If you're going in spring, the cherry trees will be in bloom.
by baconavocado
Sat Mar 09, 2019 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much does owning vehicles (cost/month)
Replies: 53
Views: 3768

Re: How much does owning vehicles (cost/month)

I've kept track of our costs since the early 90s. We buy Japanese cars new and keep them for about 10 years and have averaged about 10K miles/car/year. I do most of the routine maintenance myself. Total costs include: buy/sell, accessories, fuel, government fees, insurance, maintenance/repairs, and ...
by baconavocado
Sat Mar 09, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: Recaptcha strategies and tactics
Replies: 20
Views: 1398

Re: Recaptcha strategies and tactics

I just keep clicking and the photos keep changing and I keep clicking and then they finally let me in.

I think most of the time they just give up on me, or I've cycled through all of the photos in their database.

Never tried the audio but I suspect I'd be equally as bad at that.
by baconavocado
Fri Mar 08, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 6908

Re: attacked by off-leash dog

In my area dogs are required to be leashed unless they are under "voice control". Of course, almost no dogs are under voice control but almost all dogs owners think they are. The result is that most dogs run off leash, chasing cats, running in front of cars, sticking their snout into your behind, po...
by baconavocado
Mon Mar 04, 2019 1:36 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

My account statement and the info on the their web site appear to point to two different minimum balance requirements: My account statement: If you do not meet the minimum balance requirements*, the standard monthly service fee of $30 will be assessed to your primary checking account on the 3rd busi...
by baconavocado
Mon Mar 04, 2019 1:11 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

I do this. However you may want to check on the balances needed in your WF brokerage account to qualify for the free Portfolio account. If I remember correctly, you get full credit for bank account balances but only 50% credit for brokerage account balances and I think 10% credit for mortgage balan...
by baconavocado
Sat Mar 02, 2019 10:55 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

On second thought, I have a taxable account at Vanguard where I keep several $100K of VTSAX. Perhaps I should just buy $25K of VTI at Well Fargo to meet the min. balance requirements of the Portfolio account and then rebalance everything with the Vanguard account, keeping most of my cash there in VM...
by baconavocado
Sat Mar 02, 2019 9:09 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

All of these yields are better than what Wells was paying me for the savings account, 0.06%.

For a $20,000 balance, which is what I need to keep idle in the Portfolio account, the difference between 0.06% and 2% is about $390/year.
by baconavocado
Sat Mar 02, 2019 8:32 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

I guess I was hoping they'd have a money market fund similar to VMFXX with similar yield. They have money market funds: https://www.wellsfargofunds.com/ip/products/performance.html?Money+Market#!facetPanel=0&calendar=Month-end&shareClass=I&assetClasses=5 GVIXX, WOTXX, WFIXX, and others. I don't see...
by baconavocado
Sat Mar 02, 2019 7:39 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Re: Managing cash in a Wells Fargo Portfolio account

Several of us here are grandfathered into the old pma with the 100 free trades. You can use the brokerage to buy a number of money market funds or even etf's. Depending on your marginal federal / state tax rates, risk tolerances, you can see the vanguard list below to pick from: https://investor.va...
by baconavocado
Sat Mar 02, 2019 3:44 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 985

Managing cash in a Wells Fargo Portfolio account

I have a Wells Fargo Portfolio account (previously known as a PMA account) that I use for checking, savings, credit cards, ATM, bill paying, safe deposit box, etc. It requires a combined minimum balance of $25K, so I usually end up keeping at least $20K in the savings account. Now that money market ...
by baconavocado
Sun Feb 24, 2019 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Who does their own taxes?
Replies: 111
Views: 7293

Re: Who does their own taxes?

I've been using TurboTax forever.
by baconavocado
Sun Feb 24, 2019 3:00 pm
Forum: Personal Consumer Issues
Topic: How many minutes to change the bed sheets?
Replies: 31
Views: 2825

Re: How many minutes to change the bed sheets?

I have better things to do than stand there with a stopwatch and time my wife doing this. :twisted: The point is that certain tasks may be unpleasant to do, but when you realize how little time they actually take it's easier to get through them. Fifteen minutes a week is an almost insignificant amo...
by baconavocado
Sun Feb 24, 2019 2:14 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4274
Views: 1126964

Re: What Movie Have You Recently Watched?

I re-watched Lost in Translation this week and now I'm planning our first trip to Japan, probably spring 2020. Look out! Wife and son took trip to Japan, and now we have to replace all of our toilets with TOTO “features.” Expensive trip. Makes Acela look like third world train also :D Haha, so did ...
by baconavocado
Sun Feb 24, 2019 1:37 am
Forum: Personal Consumer Issues
Topic: How many minutes to change the bed sheets?
Replies: 31
Views: 2825

Re: How many minutes to change the bed sheets?

JohnFiscal wrote:
Sat Feb 23, 2019 11:21 pm

As an aside, I'm almost tempted to give up the fitted bottom sheets and use a flat sheet there as well for better fit.
Pro tip: tuck the fitted sheet on the sides and at the foot of the bed. Stretch it and tuck it. Make sure the corners fit correctly first.
by baconavocado
Sun Feb 24, 2019 1:03 am
Forum: Personal Consumer Issues
Topic: How many minutes to change the bed sheets?
Replies: 31
Views: 2825

Re: How many minutes to change the bed sheets?

Epsilon Delta wrote:
Sun Feb 24, 2019 12:44 am
Usually about 900 minutes.

Strip bed when I get up; wash and dry during the day; complete the task before I retire for the night.
This was my wife's method. Turns a 15 minute job into an all-day job.
by baconavocado
Sat Feb 23, 2019 11:16 pm
Forum: Personal Consumer Issues
Topic: How many minutes to change the bed sheets?
Replies: 31
Views: 2825

How many minutes to change the bed sheets?

For me: 15 minutes Includes: top and bottom sheet for king size bed, 4 pillows, replace towels in the bathroom, and put everything in the washer. I do a good job, you could bounce a dime on the bed. If I was getting paid $15/hour w/o benefits, this chore would be worth about $4. My wife used to comp...
by baconavocado
Sat Feb 23, 2019 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why Working as a Senior Male is Wise...
Replies: 104
Views: 11603

Re: Why Working as a Senior Male is Wise...

To each his own.

If you don't have to, why do it? Personally, I have a low tolerance for BS. I can barely read the news.
by baconavocado
Sat Feb 23, 2019 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to ensure USPS mailed tax return makes it to IRS
Replies: 52
Views: 3044

Re: Best way to ensure USPS mailed tax return makes it to IRS

First-class postage and be sure to put it in the mail box. No extra anything and don't worry about it. If you mail at the post office in person, then you will get a receipt for the payment of postage which may give you peace of mind. If you add a check, so much the better because if the check is ca...
by baconavocado
Thu Feb 21, 2019 3:19 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3022

Re: Car Rental in Mexico

I always allow plenty of time between the time I turn in a rental car the time my flight departs because this is the time all these scams play out and if they know your flight is leaving soon, they have you over a barrel. They know you're not going to change your flight or come back to the country t...
by baconavocado
Mon Feb 18, 2019 2:49 pm
Forum: Personal Investments
Topic: Please Help - Gray Divorce No Investment Experience
Replies: 25
Views: 2255

Re: Please Help - Gray Divorce No Investment Experience

Whenever a friend or relative who I don't think has much of an interest in managing money asks me for investing advice, my first reaction is to give them a pdf of Vanguard's, "The Elements of Investing". It explains the advantages of index funds, the simple allocation rules, and the principle of tim...
by baconavocado
Sat Feb 16, 2019 11:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4274
Views: 1126964

Re: What Movie Have You Recently Watched?

My wife and I recently watched Roma. Guess I'm not very sophisticated, because I don't understand all the hype about multiple awards. It has its moments, both in terms of acting and cinematography, but it certainly isn't particularly memorable as far as I'm concerned. (and the problem isn't the lan...
by baconavocado
Fri Feb 15, 2019 8:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4274
Views: 1126964

Re: What Movie Have You Recently Watched?

I re-watched Lost in Translation this week and now I'm planning our first trip to Japan, probably spring 2020.
by baconavocado
Thu Feb 14, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Why efile if you owe?
Replies: 47
Views: 4357

Re: Why efile if you owe?

I mail a paper return if there's an extra cost to efile, which there is sometimes depending on the version of tax software I'm using. Seems to me I usually end up mailing my state return. If you owe money, there's absolutely no reason to file your return early. Might as well wait until the last minu...
by baconavocado
Tue Feb 12, 2019 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 309
Views: 22336

Re: Tax 2018: Shock and Awe

I started entering my data but stopped when I got a 1099 that I'm pretty sure is inaccurate.

I think we're going to be disadvantaged by the SALT limit.
by baconavocado
Mon Feb 11, 2019 10:03 pm
Forum: Personal Consumer Issues
Topic: Best ways to provide STRUCTURE to retired life
Replies: 71
Views: 5564

Re: Best ways to provide STRUCTURE to retired life

You make a good point, retired life has less "structure" than employed life for most people. But I would look askew at anyone who told me that I couldn't handle a less structured life so I better keep working. Sounds to me a little like the people who say a prison inmate "can't make it on the outsid...
by baconavocado
Sat Feb 02, 2019 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you keep in checking?
Replies: 135
Views: 10404

Re: How much do you keep in checking?

We usually keep about $3k in checking and $20k in savings as the accounts are linked and our credit card payments come out of savings. However, I was noticing this month that both checking and savings accounts are paying almost no interest: checking, 0.01% APR; savings, 0.06% APR. Interestingly, the...
by baconavocado
Thu Jan 24, 2019 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: No Children, what will your legacy be?
Replies: 118
Views: 8795

Re: No Children, what will your legacy be?

We will be leaving our remaining assets to charities that have been meaningful to our lives: local environmental organizations, libraries, Planned Parenthood, Doctors Without Borders.
by baconavocado
Wed Jan 16, 2019 5:25 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 49857

Re: John Bogle is dead at 89

RIP Mr. Bogle and thanks for your service to ordinary investors.
by baconavocado
Tue Jan 15, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6707

Re: A co-worker makes more than me

If your managers are doing their job correctly, and you have to assume that they are, your salary reflects the value of your work to the company. You know about your work performance, and you probably know about your coworker's work performance. So your choices are to either accept your manager's va...
by baconavocado
Sun Jan 13, 2019 2:57 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4431

Re: How do I stop jeans from ripping in the thighs?

Mine always tear at this spot and I'm not overweight at all, although I'm very active and wonder whether that has an effect or whether they're purposely built weak at this point. I don't have any solutions. My wife patches mine, which allows me to continue using them for work around the house, etc.
by baconavocado
Fri Jan 11, 2019 12:52 am
Forum: Personal Consumer Issues
Topic: Cleaning Car Battery Terminals
Replies: 26
Views: 1588

Re: Cleaning Car Battery Terminals

I clean my engine and under-hood area every 2 years at one of those self service car washes and this seems to take care of battery acid leaks as well.
by baconavocado
Tue Jan 01, 2019 4:07 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2317
Views: 407673

Re: What are you up YTD? [Year To Date]

2018: -1.5%

First down year since 2008.
by baconavocado
Mon Dec 24, 2018 12:32 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21509

Re: Whose buying today? where's all the "dry powder" folks at? :)

I'm backing up the truck!

No, just kidding. I'm planning to rebalance in January.
by baconavocado
Tue Dec 18, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Bull market is over, run for cover says Alan Greenspan
Replies: 41
Views: 6175

Re: Bull market is over, run for cover says Alan Greenspan

Market timing advice from Alan Greenspan.

Ok . . .
by baconavocado
Sun Dec 16, 2018 10:49 am
Forum: Personal Investments
Topic: Windows 10 update and Vanguard [account shows unauthorized transaction]
Replies: 13
Views: 1070

Re: Windows 10 update and Vanguard [account shows unauthorized transaction]

If there was a bank transfer (out, from Vg to your bank), I think it could only be coming to a bank account that you have previously authorized to accept transfers. I remember that it was sort of a complicated process to set up a transfer account at Vg. The account had to be registered exactly like ...
by baconavocado
Wed Dec 12, 2018 8:20 pm
Forum: Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 4079

Re: Being locked out of my account and "research team" will contact me in 72 hours

Is there something you need to do online that you can't do over the phone? I'd relax and let their security dept. handle the issue. I'd only be worried if I couldn't access my accounts at all, e.g., if they locked me out by phone as well as online.

Just my 2c.
by baconavocado
Mon Dec 03, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7208

Re: NYT Article: The Myth of Steady Retirement Spending

I definitely plan on spending more in early retirement (first 10 years or so). I read something about a 6.875% plan where you take that amount out every year but never increase it or add in interest rates. Supposedly that gives you more in your first 10-15 years to spend. I tried searching for that...
by baconavocado
Mon Dec 03, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7208

Re: NYT Article: The Myth of Steady Retirement Spending

"One of her firm’s studies grouped 613,000 JPMorgan Chase customers into profiles based on their spending patterns. These included homebodies, globe-trotters, health care spenders and foodies. It’s worth figuring out which profile matches your spending, said Wade Pfau, a professor at the American C...
by baconavocado
Sat Dec 01, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Manager suddenly passed away - New manager ethical dilemma
Replies: 24
Views: 4756

Re: Manager suddenly passed away - New manager ethical dilemma

I agree with the other commenters who say don't file a complaint, simply try to get away as quickly as possible. I would guess that there's a narrow window for you to get out before the new manager starts to make your life miserable. Thank your lucky stars if you can escape.
by baconavocado
Wed Nov 28, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: ideas for a Xmas holiday in central Europe
Replies: 22
Views: 2157

Re: ideas for a Xmas holiday in central Europe

Rothenburg ob der Tauber is a very interesting medieval German town about 3 hours northeast of Munich by car or train. We were there in the middle of summer and some parts seemed to be decorated for Christmas, so they must have something big going on there during the holidays. And even if they don't...