Search found 59 matches

by InvisibleAerobar
Wed Jun 20, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7517

Re: Which Supermarket are you?

The responses in this thread (when there are enough of them) should likely end up representing the market share of each of the supermarkets in the US. I doubt it. Bogleheads tend to be more frugal. I suspect Whole Foods, Marianos, and the like to be underrepresented. But also tend to be upper middl...
by InvisibleAerobar
Tue Jun 19, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 155
Views: 7517

Re: Which Supermarket are you?

Lidl opened here recently nearby. And immediately became our "go-to" store. Much better than the Aldi's which has been around for years, though, to be fair, Aldi's here is not in the best part of town. My dad raves about the Lidl that opened near his place. I wish I had something similar. Otherwise...
by InvisibleAerobar
Tue Jun 19, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: What are your hobbies?
Replies: 59
Views: 5014

Re: What are your hobbies?

Cycling (once primarily road cycling and time trialing, now branching to mountain biking)
Reading (non fiction preferred)
Bird watching
Watching soccer
Making espresso and attempting to make latte art
by InvisibleAerobar
Sun Jun 17, 2018 10:01 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4516

Re: Flaw in Logic? CD ladder instead of bond funds

Do you know if there are minimum purchase requirements? And how does one go about purchasing these products? Do I open a CD directly, or is it as part of a taxable account? Also, how easy would it be to purchase similar products from Schwab/Fidelity/Vanguard? For example, I attempted doing a CD lad...
by InvisibleAerobar
Sat Jun 16, 2018 6:21 pm
Forum: Investing - Theory, News & General
Topic: Flaw in Logic? CD ladder instead of bond funds
Replies: 63
Views: 4516

Re: Flaw in Logic? CD ladder instead of bond funds

Many banks are and have been so flush with demand deposits (those paying nothing or very little, like checking accounts) that they haven't needed to pay anything for money markets or even CDs This! Golden. So there is so much money on the sidelines, it is hard to imagine. BofA Chase Citi WellsFargo...
by InvisibleAerobar
Fri Jun 15, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: Should your employment/income source determine your investment choices?
Replies: 13
Views: 939

Re: Should your employment/income source determine your investment choices?

Interesting question. My experience is not identical, but somewhat related. I am a Federal Government employee, as is my wife. We both have pensions, and stronger-than-average job security. While I haven't made a growth-value tilt, as described above, in my AA, I tilt towards equity vs fixed income...
by InvisibleAerobar
Fri Jun 15, 2018 5:23 pm
Forum: Personal Consumer Issues
Topic: I am STUNNED over how much help my friends recieved with house purchase!
Replies: 47
Views: 3721

Re: I am STUNNED over how much help my friends recieved with house purchase!

Does living at home (while working full time) count as receiving assistance? I tell my friends (and apparently, strangers on the internet) that though I still would have saved a considerable amount had I been paying rent, a good portion of the amount I saved for down payment comes from paying no ren...
by InvisibleAerobar
Fri Jun 15, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2570

Re: Trade-up my $89 Walmart bike

Thanks for all the responses. I did end up going to other dealers and checking out other bikes. I liked the disc brakes since part of my normal "trail" is on a main road. I use the sidewalk and I've had cars pull out or turn into side streets in front of me, so stopping power was important. The sal...
by InvisibleAerobar
Thu Jun 14, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2570

Re: Trade-up my $89 Walmart bike

And never *listen* to any cyclist who has clip-on pedals on their bike. Those folks are in completely different stratosphere than us mere mortals who are doing just recreational biking. They have no memory of their earlier days and when they give you any advice, it is pretty much useless to you. I ...
by InvisibleAerobar
Thu Jun 14, 2018 8:35 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 158
Views: 24838

Re: Documentaries to recommend?

Ric Burns (yes, brother of Ken) made a documentary of NYC.

calling it documentary really doesn't do it justice, more like a paean to the city. Extensive commentary by Robert A Caro (he of LBJ biography fame) was a real treat, as he also wrote the definitive non-fiction on NYC from 1900 to 1975
by InvisibleAerobar
Thu Jun 14, 2018 8:29 pm
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2570

Re: Trade-up my $89 Walmart bike

i still remember the first time i tried to stop at a red light, while clipped in; tumbled onto the ground and hit the car in front of me
by InvisibleAerobar
Wed Jun 13, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Trade-up my $89 Walmart bike
Replies: 44
Views: 2570

Re: Trade-up my $89 Walmart bike

Retired and currently ride 6-12 miles a day, 3-5 days a week. Never spent more than $100 on a bike. I enjoy riding and believe I would ride a lot more with the right bike. Not really interested in mountain/off-road and our area has lots of great paved/gravel/dirt paths. I went to a local bike shop ...
by InvisibleAerobar
Tue Jun 12, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Buying CPO Lexus - any advice appreciated
Replies: 22
Views: 1751

Re: Buying CPO Lexus - any advice appreciated

I know that they stopped making them in Japan (I think with the 2016 editions?), but with a 2014, you'll be getting only two (or maybe three) years of warranty on your CPO. Other things to consider: -your warranty is not transferable. Probably a non-issue for you, but just in case you might want to ...
by InvisibleAerobar
Fri Jun 08, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 24193

Re: Anyone Deleting Facebook?

Deleted recently. FB has become a medium for people to try to feel important and boast, and in more extreme ways than they would in a face to face conversation. Their transition from platform to publisher/regulator of information doesn't help either. ain't that the truth. Facebook and really almost...
by InvisibleAerobar
Fri Jun 08, 2018 6:41 pm
Forum: Personal Consumer Issues
Topic: Selected photos of my 4 week ride through the Balkans and the Eastern Dolomites
Replies: 17
Views: 2071

Re: Selected photos of my 4 week ride through the Balkans and the Eastern Dolomites

Very nice! Other than the Northern Classics, il Giro is my favorite bike race. Glad to read that you got to spend time near some of the stages (sounds like the one where Yates attacked from the penultimate climb)? I'm hoping that I get to ride these roads one day. Out of curiosity, does your bike ha...
by InvisibleAerobar
Tue May 29, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1368

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

Why not schedule many, most, all showings on ONE day a week, maybe Saturday 10:30 to 12:30? For however Saturdays are needed. Or even two days--Sat and Sun. Besides making cleaning times easier, another reason is when people see others are interested, that may spur activity. Put yourself in control...
by InvisibleAerobar
Tue May 29, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1368

Re: What is a reasonable amount of time to spend cleaning a house prior to showing

thanks to all for the response. Good points re: clutter, kitchen, and bathrooms Not clear on what you mean by “to the detriment of work.” has to make up for the work later on in the day when not working at home, my parent has actually came home early to clean, thus needing to put in time in the even...
by InvisibleAerobar
Tue May 29, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: What is a reasonable amount of time to spend cleaning a house prior to showing
Replies: 17
Views: 1368

What is a reasonable amount of time to spend cleaning a house prior to showing

For argument's sake, assuming that my parent is selling a place. The house is a ranch, ~2500 sq ft. From my perspective, a quick sweep of the floors (25 min), making of the beds (2-3 min), arrangement of bathroom counter (5-10 min), wiping of counter-tops and desks (10 min), and tidying of the kitch...
by InvisibleAerobar
Tue May 01, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Would the sending of remittances enable me to file as head of household?
Replies: 3
Views: 408

Re: Would the sending of remittances enable me to file as head of household?

thanks for the response. that's a bummer

is there any other form of deductions that one could take in this situation?
by InvisibleAerobar
Tue May 01, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Would the sending of remittances enable me to file as head of household?
Replies: 3
Views: 408

Would the sending of remittances enable me to file as head of household?

I was born in a foreign country, and my maternal grandmother still lives there. As my mom passed away, i'm the most direct next of kin. My grandma is getting up there in her years and would soon need to move to a senior facility soon, the cost of which runs about $10k/yr. I'm more than happy to pay ...
by InvisibleAerobar
Sat Apr 07, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: Cost of Dental Implant
Replies: 81
Views: 9132

Re: Cost of Dental Implant

Getting it done at a teaching hospital is the way to go Got mine done (3 implants + 3 abutments + 4-unit bridge) for less than 10k; this was seven years ago. They don't charge for labor, and they don't make money off the parts, so that is probably what the supplies cost the school. Dental surgeon re...
by InvisibleAerobar
Tue Mar 20, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: SE Washington DC job - where to live?
Replies: 55
Views: 3446

Re: SE Washington DC job - where to live?

A friend of mine works at the Naval Base. He lives just off of M Street in the SW quadrant. The stretch along M Street is up and coming, and by up and coming, I mean that crime could still be an issue at time. My friend was actually the victim of a property crime, but this is anecdotal and should no...
by InvisibleAerobar
Mon Mar 19, 2018 2:57 pm
Forum: Personal Consumer Issues
Topic: 9th grade earth science honors or biology honors
Replies: 28
Views: 1784

Re: 9th grade earth science honors or biology honors

depends on goals and ambitions if she wants to take SAT-II (or AP classes) to prepare for application to the more elite institutions, bio honors; otherwise earth science. I personally did the following (with a change of school after 10th grade): 9th: Earth Science honors 10th: Bio Honors, Chem Honor...
by InvisibleAerobar
Wed Mar 14, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7104

Re: TSP bonds?

TSP is nearing 100k, and is 30% G-Fund with the remainder in C-Fund. Roth value is an order of magnitude smaller, and I have some in 16% in CD, 12% in Barclay AGG (essentially F-fund), and the rest in S&P 500 and large cap Int'l. In an ideal world, all my bonds are in G-Fund, and I'd sell that to b...
by InvisibleAerobar
Tue Mar 13, 2018 10:38 am
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7104

Re: TSP bonds?

Keep in mind that, if you are not comfortable with the "low" returns of the G-Fund, you could use the F-Fund or a blend of G and F. The F fund has very little "return" edge over the G fund. 2.875% is the current yield for the G fund versus 2.98% for the F fund (estimated from TBM admiral class). Th...
by InvisibleAerobar
Mon Mar 12, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: TSP bonds?
Replies: 92
Views: 7104

Re: TSP bonds?

be cognizant of the fact that the "free lunch" may not last. cutting the yield on the G-Fund is a favorite bromide of certain "think tanks" for shrinking the deficit. There are proposals to have its yield lowered to be comparable to that of short term treasury bonds (right now that would be ~1.5% v ...
by InvisibleAerobar
Thu Mar 01, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2605

Re: Question for older bicyclist, coming back from injury

Thank you all for your kind words. They helped more than you can realize. While, logically, I can see the point of not racing it is just not how I am wired. Perhaps when I retire from work I can slow down a bit, but right now it is just go, go, go. I need the goal of an event to train and stay on a...
by InvisibleAerobar
Wed Feb 28, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2605

Re: Question for older bicyclist, coming back from injury

Suggestion re: riding indoors is a good one. Zwift can surprisingly simulate quite a bit of outside riding. on a paved surface may as well be ball-bearings..if you hit them..don't turn the wheel and back off the power..same as a car on ice..until you're back on solid-clean surface. Ride over railroa...
by InvisibleAerobar
Fri Feb 23, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 16
Views: 2257

Re: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, et

Thanks for the suggestion re: the Roth option. Seriously giving that a thought while I live in NJ. Plan is to move out of the state in the next year, so hopefully it'll become a moot point soon. I liked the traditional option as with the tax I save, it effectively funds 80% of my Roth IRA. Now that'...
by InvisibleAerobar
Tue Feb 20, 2018 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 16
Views: 2257

Re: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, et

thanks for the clarification

what's really irritating is that this only applies to people who don't have company 401(k) and people working in non-profits... That Roth option is looking better by the day, but managing it will be a pain
by InvisibleAerobar
Mon Feb 19, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?
Replies: 16
Views: 2257

Which states are similar to NJ in the sense that they do not allow one to deduct contributions to 403b, 457, TSP, etc?

I'm getting a pretty rude surprise while doing my taxes, as the state in which I reside (NJ) does not allow me to deduct my TSP contribution. I previously lived in VA, and I was able to deduct TSP contributions (as well as FICA taxes, FSA contribution, and my health insurance premium). As I contribu...
by InvisibleAerobar
Thu Feb 15, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 151
Views: 15317

Re: What is the best home exercise equipment?

Thanks for the review. I’ve logged some miles on the trainer, but as a bigger (heavier) guy, I always just resort to steady state spinning due to being afraid of hammering the carbon frame while mounted. As you know, the steady state stuff is incredibly boring. It will be a while before I can convi...
by InvisibleAerobar
Fri Feb 02, 2018 3:21 pm
Forum: Personal Consumer Issues
Topic: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.
Replies: 15
Views: 1261

Re: Dental Insurance Company declined coverage, prior claim was covered under different insurance provider.

My new dentist suggested that all 6 crowns need to be replaced (agree because of the discomfort I have been feeling) Medical/dental advice is off-limits here but that seems to be the real issue. I would advise you to go to a dental school for an assessment. You don't have to follow through on treat...
by InvisibleAerobar
Fri Feb 02, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Need help - first major career choice (fed. gov.)
Replies: 39
Views: 2822

Re: Need help - first major career choice (fed. gov.)

Hi all, I have a question for you all. I was offered a job to work with the federal gov, I'm hoping for some comments about the finances of such a job. I think it seems reasonable, but I'm curious if any of ya'll see something that I didn't catch. Some highlights: Location is rural, LCOL, I could f...
by InvisibleAerobar
Fri Feb 02, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20512

Re: Bitcoin in Freefall

The Dutch Tulip Mania of 1634-1637, The South Sea Bubble (1716-1720), The Mississippi Bubble (1716-1720), The British "Railway Mania" Bubble, The Florida Real Estate collapse of the 1920s, Great Bear Market 1929 -1935, Kuwait’s Souk al-Manakh Stock Crash, Black Monday '87, Japan’s Bubble Economy of...
by InvisibleAerobar
Wed Jan 31, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Business License for cycling tours
Replies: 9
Views: 703

Re: Business License for cycling tours

You probably need insurance, we live in a very litigious society. Also a good idea to have participants sign waivers stating they accept the risks. and the thing is, people will still sue despite signing the waivers. The waivers are more of a statement of recognition of potential dangers. In fact, ...
by InvisibleAerobar
Mon Jan 29, 2018 12:56 pm
Forum: Personal Consumer Issues
Topic: Neighbor recently burglarized- Suggestions for home security
Replies: 101
Views: 9290

Re: Neighbor recently burgalerized - Suggestions for home security

At increasing levels of security. Security cameras with red blinking LED lights, every point of entry, front door, back door, etc. This is amazingly effective. Nobody wants to be on camera. Motion sensor Flood lights, all points of entry and also each side of the house. Deadbolt locks on all exteri...
by InvisibleAerobar
Wed Jan 24, 2018 3:41 pm
Forum: Investing - Theory, News & General
Topic: In what ways could BogleHeads be badly wrong ?
Replies: 244
Views: 24099

Re: In what ways could BogleHeads be badly wrong ?

I think Boglehead philosophy is great and works great for most situations. BUT if we get high inflation and or even moderate inflation for an extended period stock and bond investors will most likely suffer. This happened in the 1970s. The market rose but inflation rose faster so net net stocks los...
by InvisibleAerobar
Wed Jan 24, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5935

Re: Letter from Social Security re Fraudulent Claim

Just wanted everyone know that only the lifting of Equifax freeze is required in order to create an account. I just created an account after temporarily lifting the freeze (1 day lifting of freeze is sufficient) Equifax has waived fees for creating or lifting credit freeze until Jan 31. May be the t...
by InvisibleAerobar
Tue Jan 23, 2018 9:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3071
Views: 946224

Re: What Book Are You Currently Reading? Part VI

Anna Karenina. Very readable . Tolstoy is a fantastic writer. I read and very much enjoyed War and Peace a couple of years ago. The Schwartz translation is my favorite, but the Constance Garrett translation thatks in the public domain is good too. 1100 pages. I’ll be at this awhile. I wonder if tha...
by InvisibleAerobar
Mon Jan 22, 2018 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5935

Re: Letter from Social Security re Fraudulent Claim

I think you only need to unlock Equifax. We're about to do this for one of us, so I'll report back if that is incorrect. But I'd much rather pay $10 than go to the SSA office (which just tells you that the opportunity cost of the unlock fee is correctly priced). out of curiosity, your user name doe...
by InvisibleAerobar
Mon Jan 22, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from Social Security re Fraudulent Claim
Replies: 55
Views: 5935

Re: Letter from Social Security re Fraudulent Claim

UPDATE: Apologies for not seeing later post & status that you did visit SSA and began resolving problem. Great news! Still recommend registering online for reasons stated below. ___________________ If you haven't already, register for online access to www.ssa.gov This gives you online access to you...
by InvisibleAerobar
Mon Jan 22, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Contribution - Lower MAGI - Roth IRA
Replies: 3
Views: 419

Re: TSP Contribution - Lower MAGI - Roth IRA

Yes.

Your traditional TSP contribution and any health insurance taken out of your paycheck (including dental, vision, and FSA) will reduce your MAGI.
by InvisibleAerobar
Mon Jan 22, 2018 1:11 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 131
Views: 19018

Re: GE and the myth of "safe blue-chip stocks"

It depends. Often that is precisely what happens. Canadian Pacific for example split itself up into railroads, mining, hotels (Fairmont), shipping, oil & gas and some other assets. Realized huge shareholder value through ending the "conglomerate discount" and the perception that management was not ...
by InvisibleAerobar
Mon Jan 22, 2018 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11448

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

@dbr and @ruralavalon, many thanks for taking the time to explain everything!

Being on this site has been invaluable to my personal finance education
by InvisibleAerobar
Mon Jan 22, 2018 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11448

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

Will do, and thanks for the suggestion. Sorry if that might have been a thread hijack.
by InvisibleAerobar
Mon Jan 22, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 11448

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

Few questions for the experts here, as I've been thinking of purchasing SWAGX for the bond/fixed income portion of my Roth IRA. -If I'm reading things correctly, does it appear that the OP mistook price of the bond fund for total return of the bond fund? -I never had to worry about the Barclay Bond ...
by InvisibleAerobar
Sun Jan 21, 2018 3:34 pm
Forum: Personal Consumer Issues
Topic: Save all this money, what do you splurge on?
Replies: 193
Views: 18955

Re: Save all this money, what do you splurge on?

Road bikes. The total I've spent over the years is probably enough to buy a nice 2-yr CPO Camry. Unfortunately splurged when I was younger but don't feel the need to splurge now. Espresso machine and grinder. But I don't even go to Starbucks unless absolutely necessary (say needing to stay awake on ...
by InvisibleAerobar
Sun Jan 21, 2018 2:11 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 131
Views: 19018

Re: GE and the myth of "safe blue-chip stocks"

Poster upthread made the comments that they sell products that people buy. Could someone explains what happens when the individual divisions get spun off? So if all the sudden that GE decides to spin off its health-care and turbine divisions, do regular share holders get a stake in the companies spu...
by InvisibleAerobar
Sun Jan 21, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: what is the best mouse poison?
Replies: 45
Views: 3143

Re: what is the best mouse poison?

Don't use poison. Not because it's inhumane, but b/c it's not worth the trouble (not to mention you may be imposing an externality on your neighbors). What if that mouse decides to get stuck within the walls of your (or your neighbor's) house? The result is a rotting carcass in a place you can't acc...