Search found 125 matches

by Irisheyes
Mon Jul 01, 2019 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Healthcare Nightmare after wife's surgery
Replies: 84
Views: 7956

Re: Healthcare Nightmare after wife's surgery

Maybe it's a case of a frog in boiling water but being on the hook for $2800 after a big surgery doesn't seem to warrant the moniker of "nightmare" in the context of the US healthcare system. I'd pay the $800 -- congrats on getting the bill reduced from 6k. And I'd wait to see if they rebill you for...
by Irisheyes
Sat Jun 22, 2019 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9629

Re: Frugal or cheap?

[OT comment removed by moderator oldcomputerguy] Having the advantage (or disadvantage) of some decades on the OP, I can say that largish investments in our home always seemed scary at the time (20k for a new kitchen in 2001!?) However, they always paid off not only emotionally -- we enjoyed them -...
by Irisheyes
Sat Jun 22, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9629

Re: Frugal or cheap?

there is nothing cheap about diverting 100k to investment. 1400sqft for two people is sensible, though it's 40% larger than what I'll have with my 3, soon to be 4 person family. Cheap would be like someone who does a rennovation not to code or sends their kids to crap schools while living large on ...
by Irisheyes
Sat Jun 22, 2019 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9629

Re: Frugal or cheap?

Bought in 2011 when the market was down, on the water close to work. Like the location and others on our street around 2500 sq ft have sold in the 300-350k range recently so not outpricing the neighborhood Go for it given this additional info! Young, ample double income, pre-kids - this would be ex...
by Irisheyes
Sat Jun 22, 2019 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Frugal or cheap?
Replies: 106
Views: 9629

Re: Frugal or cheap?

Build the addition.

100k is a small amount really in the larger scheme of your life/savings/income.

Shortsighted both in terms of your relationship (it will make your wife happy) and your future potential space needs (kids) not to do it.
by Irisheyes
Thu Jun 20, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6149

Re: Single cup coffee/espresso options, 2019

Having tried various options over the years, I rank them thusly - [ b]Mr. Coffee type machine - fairly bad as coffee sits on a burner and quickly turns to sludge. Can be ok if fresh beans used, hot enough water, etc. $30.[ /b] Just to clarify, I think you are referring to Mr. Coffee's regular coffe...
by Irisheyes
Wed Jun 19, 2019 5:20 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 6149

Re: Single cup coffee/espresso options, 2019

I have the right answer to this :happy We bought the Mr. Coffee Espresso and Cappuccino Maker 2 years ago for $159. Makes really good cappucino/lattes and expressos and has been fool proof. We use it on a daily basis. We considered all the fancy Italian-style/named brands that were much more expensi...
by Irisheyes
Sat Jun 08, 2019 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Highly appreciated whiskies
Replies: 34
Views: 3705

Re: Highly appreciated whiskies

Sell 'em. They are not any more delicious now than when you bought them at a fraction of the price. I have sold quite a bit of wine over the last few years that I bought when no-one cared about it but has since become "trendy" and rocketed in price. On the few occasions I've not sold it, and drank i...
by Irisheyes
Fri Jun 07, 2019 12:28 pm
Forum: Personal Investments
Topic: very concerned about stock and bond movement
Replies: 26
Views: 2262

Re: very concerned about stock and bond movement

While I am not "very concerned" about stocks and bonds moving in tandem, I am definitely noting it.

My AA is 30 stock/70 bond, with the latter largely in AAA munis and TIPs.

The last time I recall stocks and my bonds moving in such lockstep was 2008, when they plummeted together.
by Irisheyes
Sun Jun 02, 2019 9:48 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6989

Re: What do business pros wear on redeye Business Class flights

I'm flying across the pond for a business conference soon, which means a life-flat business class seat for the overnight transatlantic flight. For the business travel pros out there, what do you typically see fellow travelers wear for these flights? Think law firm/consulting partners, C-suite execs...
by Irisheyes
Wed May 29, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Blackbird Problem
Replies: 11
Views: 1031

Re: Blackbird Problem

Not to be pedantic, but blackbirds and crows are two separate kinds of birds with crows being far larger.
by Irisheyes
Wed Apr 17, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3849

Re: Do you pick up after renting a vacation rental?

What does the contract say? What did you agree to? A rental property is a business. I'm respectful to property, but if I'm paying $175 for a cleaning fee and the contract doesn't say I'm to do the dishes, then I'm not bothering to do the dishes. JT I’m starting to look at it more this way. I did ti...
by Irisheyes
Wed Apr 17, 2019 2:47 pm
Forum: Personal Consumer Issues
Topic: Do you pick up after renting a vacation rental?
Replies: 51
Views: 3849

Re: Do you pick up after renting a vacation rental?

My very first summer job in this country was a chamber maid. It completely shocked me that towels were left thrown on the floor, empty pizza boxes strewn around, general mayhem in most of the rooms. When I later owned my own lodging facility with weekly rentals, we charged a $200 cleaning fee upfron...
by Irisheyes
Sun Apr 14, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Walking shoes
Replies: 33
Views: 2489

Re: Walking shoes

Chiming in to give another vote for Merrells. Always comfy right from the beginning and stay that way til they wear out.

I've also had luck with On Cloud. Their waterproof hiking shoes are particularly comfortable and bulletproof.
by Irisheyes
Thu Mar 28, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: 11 days. England, Ireland or Scotland?
Replies: 31
Views: 2340

Re: 11 days. England, Ireland or Scotland?

Three to four days in London to soak in the culture, theatre and shopping, and then the rest in Ireland. But avoid the tourist hot spots which are overrun in the summer (cliffs of moher, ring of kerry, etc) and base yourself somewhere like Kilkenny or Galway where you can soak up the relaxed pace an...
by Irisheyes
Thu Mar 28, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 5197

Re: 11-year old with iPhone - advice on how best to manage?

PS, I'm also a HS teacher so I sort of know all the ways and methods that kids use for social media and texting. I would tell you right now that trying to read your kid's phone to check text messages and such is a fools errand . If the kid is at all sneaky there are 100s of ways they can text and c...
by Irisheyes
Thu Mar 28, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 5197

Re: 11-year old with iPhone - advice on how best to manage?

I think it's really great that you are asking these questions now because if limits aren't enforced now, while he is young and relatively amenable, it will be impossible later when he is a teen. Our daughter got one when she was 14. Now she is 16 and after all the talk and angst about too much scree...
by Irisheyes
Thu Mar 14, 2019 3:03 pm
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 23762

Re: How to realistically FIRE?

The idea that the 120k expense crowd has a big mortgage which reduces their spending flexibility in retirement is a red herring, despite what Klangfool's peers may or may not be doing. 120K is about our expense-level and our mortgage is paid off. Otherwise we wouldn't even think about retirement. W...
by Irisheyes
Thu Mar 14, 2019 1:10 pm
Forum: Personal Investments
Topic: How to realistically FIRE?
Replies: 310
Views: 23762

Re: How to realistically FIRE?

Interestingly I find that most often the person with the $120K of expenses and $3 million to be much safer than the $60K and 1.5 Million. The $60K expenses are most often not easily reduced whereas the $120K expenses typically have many more methods for reduction should the situation warrant it. sm...
by Irisheyes
Thu Mar 14, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 4170

Re: Vacation Home: Own vs. Rent??

I grew up in a GI home built in 1946, 980 sq ft, 2 bedroom, 1 bath. Just Mom, Dad, and me. West Los Angels, Ca. Close to both their work places. In 1966 they looked at upgrading to a larger house, longer commutes for both, and they would again have a mortgage. They decided instead to buy a place in...
by Irisheyes
Wed Mar 13, 2019 12:50 pm
Forum: Personal Consumer Issues
Topic: What time do you start your day?
Replies: 69
Views: 3633

Re: What time do you start your day?

I recently read theBook “why we sleep” and it really turned me on to getting 7 to 8 hours of sleep per night. The book has really helped me focus a lot more on getting a proper amount of sleep each night Book “why we sleep“ and it really turned me on to getting 7 to 8 hours of sleep per night. Knew...
by Irisheyes
Wed Mar 06, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: Island Vacation with Shade on the Beach?
Replies: 40
Views: 4472

Re: Island Vacation with Shade on the Beach?

I don't know the Caribbean, so can't recommend anywhere there.

However, you might have a look at Costa Rica, which has many beautiful beaches where the jungle/rainforest ends at the sand and so provides some shade.
by Irisheyes
Wed Mar 06, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone leaving behind a scholarship fund?
Replies: 63
Views: 4277

Re: Anyone leaving behind a scholarship fund?

I will not be. In high school, I remember that about 80% of the merit based private/community scholarships went to the same 5 girls, who were pretty and also had good grades. They also came from affluent families who did not need financial help for college, but the girls were competitive and wanted...
by Irisheyes
Tue Mar 05, 2019 11:46 am
Forum: Personal Consumer Issues
Topic: A Cobalt Boat
Replies: 41
Views: 3266

Re: A Cobalt Boat

As the cliche goes, the two best days of boat owning are the day you buy it, and the day you sell it....

We found boat owning a major hassle, though we had some great days on the water. Was happy to see the back of it, and will rent whenever we feel the urge again.
by Irisheyes
Wed Jan 16, 2019 10:14 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 58156

Re: John Bogle has died at age 89

Thank you Mr. Bogle both for what you accomplished and for the kind of life and values you modelled.

Very sad news.
by Irisheyes
Mon Jan 14, 2019 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9704

Re: Getting a Mortgage when You can Pay Cash for a House

I would pay cash, but for the non-financial reason that I just so thoroughly loathe the process of getting a mortgage and jumping through the lender's endless, irritating hoops. Done it four times over the course of my house-buying life-time and it feels like a true luxury not have to do it ever ag...
by Irisheyes
Mon Jan 14, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Mortgage when You can Pay Cash for a House
Replies: 162
Views: 9704

Re: Getting a Mortgage when You can Pay Cash for a House

I would pay cash, but for the non-financial reason that I just so thoroughly loathe the process of getting a mortgage and jumping through the lender's endless, irritating hoops. Done it four times over the course of my house-buying life-time and it feels like a true luxury not have to do it ever aga...
by Irisheyes
Mon Jan 14, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5801

Re: PG&E Bonds

From Bloomberg: Vanguard Holds Half of PG&E's $920 Million Municipal Bonds The Vanguard Group holds about $415 million of municipal bonds issued on behalf of PG&E Corp., about half of the $920 million state and local debt sold for the California utility that’s edging toward bankruptcy because of the...
by Irisheyes
Thu Dec 27, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Remove damaged coating from prescription glasses
Replies: 29
Views: 2662

Re: Remove damaged coating from prescription glasses

Darn. I was excited to read about this idea but now with the latest warnings from Teague and Adamthesmyth I guess I won't be trying it. The coating on my (expensive) lenses from the optician does the same thing. At first you think it's scratched and then when you look closer, you can see it's the co...
by Irisheyes
Thu Dec 27, 2018 10:00 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 10289

Re: What common everyday inconvenience have you intentionally suffered for frugality?

There's nothing I do for frugality's sake alone. We don't hire "help" for cleaning or any house repairs/remodelling and we don't eat out much, but that's just because I'd rather clean my own home and I enjoy cooking and my partner enjoys house repairs. I recycle freezer and sandwich bags and compost...
by Irisheyes
Mon Dec 24, 2018 2:40 pm
Forum: Investing - Theory, News & General
Topic: What was your best investment in 2018?
Replies: 127
Views: 8270

Re: What was your best investment in 2018?

KeithZz wrote:
Mon Dec 24, 2018 2:38 pm
Total international bond market. Up about 3 percent.
Yeah, me too.

Also, a handful of bottles of Rougeard cab franc. Bought for 69 each in Jan and sold for about $169 apiece in Dec.
by Irisheyes
Thu Dec 20, 2018 9:12 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25601

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

This is panic without fundamentals. U.S. Economy is growing at 3% and we are at full employment . I don't see panic . The percentage drops are modest by historical standards; they look big because the market has gone just one way for the past decade or so with a stunning lack of volatility. Full em...
by Irisheyes
Thu Dec 20, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25601

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

This is panic without fundamentals. U.S. Economy is growing at 3% and we are at full employment . I don't see panic . The percentage drops are modest by historical standards; they look big because the market has gone just one way for the past decade or so with a stunning lack of volatility. Full em...
by Irisheyes
Mon Dec 17, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 112
Views: 6448

Re: Kid schooling - not learning much academically. Looking for suggestions.

We have looked at public schools. The general comments I received from other parents are "public schools goal is to bring less able students to certain acceptable level". You should ask some different parents. 90% of Americans go to public school. I went to public school all my life and went to Pri...
by Irisheyes
Fri Dec 07, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Occlusal guard (night guard) from dentist vs online
Replies: 10
Views: 1130

Re: Occlusal guard (night guard) from dentist vs online

I tried numerous products on line, as well as those from the sporting goods stores. None of them worked for me -- the sporting goods ones were way too bulky -- felt like I had a doorstop shoved in my mouth. The kits on line where you make your own impression just weren't comfortable. So I broke down...
by Irisheyes
Thu Dec 06, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell farmland to coal company?
Replies: 33
Views: 2191

Re: Should we sell farmland to coal company?

If you do sell to the coal company...be prepared to move. 4 miles isnt that far. You will have coal dust coming to your house. They'll probably mess up the water table too. Sell and get out of dodge. Um :happy , I'm guessing this is tongue in cheek and your advice to the op is not really to take th...
by Irisheyes
Thu Dec 06, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 14006

Re: Who else is getting excited?

The optimists are excited while the pessimists are not. I'm not excited, and I'm definitely a pessimist. I do feel a little bit vindicated with respect to my conservative equity stance (ever since 2008, becoming even more conservative two years ago). Of course that conservatism has cost me something...
by Irisheyes
Thu Dec 06, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147005

Re: U.S. stocks in freefall

Time2Quit wrote:
Thu Dec 06, 2018 12:14 pm
The U.K stock market correction have erased all gains of the 21st century.

https://www.bloomberg.com/news/articles ... markets-vp
Wow. That is quite something.
by Irisheyes
Wed Dec 05, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7611

Re: NYT Article: The Myth of Steady Retirement Spending

I'm a homebody who is also a globe trotter, and I'm a foodie. I may or may not become a healthcare spender,. Since you didn't perform cluster analysis on yourself using the proprietary JP Morgan dataset we know your claims are without basis. I don't understand why you are so upset with this study t...
by Irisheyes
Mon Dec 03, 2018 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7611

Re: NYT Article: The Myth of Steady Retirement Spending

When a person starts making ridiculous arguments -- like calling yourself a globe trotter or a homebody when you don't even know what that means in the context of the study -- they aren't engaging with the subject, they are making emotional replies and not useful replies that contribute to the disc...
by Irisheyes
Mon Dec 03, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7611

Re: NYT Article: The Myth of Steady Retirement Spending

I'm a homebody who is also a globe trotter, and I'm a foodie. I may or may not become a healthcare spender,. Since you didn't perform cluster analysis on yourself using the proprietary JP Morgan dataset we know your claims are without basis. I don't understand why you are so upset with this study t...
by Irisheyes
Mon Dec 03, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7611

Re: NYT Article: The Myth of Steady Retirement Spending

This part of the article struck me as ridiculous. How on earth is deciding if one is a globe trotter or a health care spender or a foodie helpful in predicting retirement spending? First, those categories are not mutually exclusive and second, the most important one -- health care spender -- is unk...
by Irisheyes
Mon Dec 03, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Crawl Space Fixin's - Do you really need it?
Replies: 20
Views: 2419

Re: Crawl Space Fixin's - Do you really need it?

We have a crawl space in our house in CA. Dry for the first 8 years of home ownership and then one Fall after heavy rains, it started filling up quickly. Freaked me the heck out to see water 6-8 inches high in there. Cracks had developed in the concrete driveway adjacent to the house, and water run ...
by Irisheyes
Mon Dec 03, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 7611

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 Irisheyes
Sat Nov 24, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 5088

Re: How many vacations per year is optimal?

Since you fly to Hawaii and your limit is 5 hours, I assume you're on the west coast. For Europe, you might consider breaking up the trip. Fly to an east coast hub, stay overnight there so you can sleep in a real bed. Then, take a flight out the next day. You're still looking at over 5 hours, thoug...
by Irisheyes
Sat Nov 24, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Vacation for single parent and 2 teens: Belize or where?
Replies: 29
Views: 2563

Re: Vacation for single parent and 2 teens: Belize or where?

I second the idea of Costa Rica though not sure what the flights are like from PNW. Nature and outdoor adventure in abundance, as well as beaches and good weather. (My 14 year old loved it last year, said it was the best place she'd ever been to.) It seems like CR also has a range of different price...
by Irisheyes
Sat Nov 24, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: How many vacations per year is optimal?
Replies: 53
Views: 5088

Re: How many vacations per year is optimal?

Maybe you and your wife should go for a longer time. One week isn't really enough to get tired of a place and wish to come home. Maybe at the end of two weeks, she'd be ready to return. We are gradually moving toward fewer, longer vacations. Since we usually fly about 5-10 hours to get to our destin...
by Irisheyes
Sat Nov 24, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Trip to Ireland
Replies: 12
Views: 1145

Re: Trip to Ireland

No need to do a tour in Ireland. Just rent a car and DIY. Locals are friendly and helpful and there are things to see around every bend. When you are driving yourself you can stop whenever and wherever rather than just sail by on the tour bus. It's not like larger countries where there is a long dri...
by Irisheyes
Tue Nov 20, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 10182

Re: Larry Swedroe: Munis Increasingly Risky

So Meredith Whitney wasn't wrong, she was just early? I just wish another Meredith Whitney would come along and make a similar "muni doom and gloom" pronouncement. There were some great deals to be had in the muni market at that point. Most of the issues I picked up then have since been called, alas.
by Irisheyes
Mon Nov 19, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Munis Increasingly Risky
Replies: 94
Views: 10182

Re: Larry Swedroe: Munis Increasingly Risky

Thanks for posting this. I have invested in individual munis for many years. My recent strategy to counter the rising risk from underfunded pension obligations, etc, is to invest in AAA rated private university muni bonds like Stanford, MIT, etc. I figure the massive endowments behind these institut...