Search found 189 matches

by kacang
Fri Jul 03, 2020 11:53 am
Forum: Personal Consumer Issues
Topic: Face *Shields*?
Replies: 14
Views: 2012

Re: Face *Shields*?

This diy shield from a plastic folder is simple to make, and if it works, has the bonus of being easy to store when not in use. I was thinking of making one for use on a flight.
https://www.youtube.com/watch?v=nu441SMQiNU
by kacang
Tue Jun 16, 2020 1:10 pm
Forum: Personal Consumer Issues
Topic: House cleaning in Covid
Replies: 25
Views: 1585

Re: House cleaning in Covid

Ours wear masks & gloves when cleaning our home, we also stay out while they are cleaning. I was initially nervous about it, but have gotten more comfortable.
by kacang
Sat Jun 13, 2020 2:12 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33262

Re: What have you baked recently?

Speaking of waffles. Waffled a tuna cheese sandwich for lunch, yum.

Found some forgotten nutritional yeast at the back of the cupboard. Added some to the current batch of sandwich bread dough, it gives a hint of cheese flavor. Not sure if I like it enough to continue using it that way.
by kacang
Sat Jun 13, 2020 1:58 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18540

Re: So what are you cooking

Our family likes Japanese food, so I'm learning to cook them. This website is a godsend https://www.justonecookbook.com/ Tried her chawanmushi & ramen egg recipes, worked beautifully.
by kacang
Thu Jun 04, 2020 10:51 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9574

Re: Amazon WITHOUT Prime?

Prime card rebate, streaming service (music, video) are the main reasons we kept Prime. Even when fast shipping was available, we sometimes choose a slower option to bundle the items into fewer deliveries. It helps that membership cost is halved for us, as we share it with a household member. Two ad...
by kacang
Tue Jun 02, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: Tea supplier comparison
Replies: 74
Views: 5777

Re: Tea supplier comparison

For those who want to use loose leaves but like the convenience of tea bags, you can get disposable tea filter bags. I keep a stash filled with my favorite loose tea in an airtight container. When I feel like a cuppa, a bag is ready to go. This is the filter bag I use: https://www.amazon.com/Rishi-L...
by kacang
Tue May 26, 2020 12:22 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 148
Views: 14421

Re: Pandemic buys that have improved quality of life?

Ooni Koda pizza oven. Gas rather than wood fired. Bit of a learning curve but great pizza. Now if I could only find bread flour :( I buy all purpose flour in 25lb bags (local mills, Costco have them) and add vital wheat gluten if I need bread flour. Vital wheat gluten can be bought in multi-pounds ...
by kacang
Mon May 25, 2020 4:54 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11723

Re: Gardening 2020

Mr. Rumples wrote:
Mon May 18, 2020 5:48 pm
Anyone ever heard of or have you eaten hosta plant leaves. Apparently the leaves are edible. I never have too much luck with summer greens, but hosta leaves would help with that.
Huh, didn't know that either. Did you try it? Was it good? I gave up on hostas due to deers
by kacang
Wed May 20, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3758

Re: Safely disinfecting frozen food packages from corona virus?

When loading grocery items into the car, anything that can be wiped gets wiped with disinfectant, including frozen food packages. Items are also sorted into boxes in the car, eg. a box for non-perishables that will be quarantined in the garage for a few days. DH usually help unload the boxes when I ...
by kacang
Mon May 18, 2020 1:39 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11723

Re: Gardening 2020

FireHorse wrote:
Mon May 18, 2020 12:24 pm
I noticed that there are some green leaves plants have holes on them...
Glad you were able to identify the culprit, hopefully someone more knowledgeable will offer a solution. There are some holes in my greens, basil and pepper plants too, but I have yet to figure out who's nomming on them.
by kacang
Mon May 11, 2020 11:35 pm
Forum: Investing - Theory, News & General
Topic: Reacting to low interest rates
Replies: 80
Views: 6063

Re: Reacting to low interest rates

We came into some extra cash recently and had a similar question. Decided to use it to pay down the mortgage. I can't find anything that gives a comparable TEY (>5%) with equivalent risk/duration. A longer term benefit is being mortgage-free gives us more flexibility to managing cash flow, which wil...
by kacang
Tue May 05, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56428

Re: How to get Toilet Paper ? seriously.

Home Depot had toilet paper over the weekend. I never saw that in the store before. Same at our Home Depot (Bay Area peninsula), saw them in some carts. There was also a table near the entrance, full of hand sanitizer. And even more amazingly, most people were walking by it without taking a second ...
by kacang
Mon Apr 27, 2020 12:29 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11723

Re: Gardening 2020

It's my first time growing greens & I learned that I started the vegetables too late. The catnip may truly be dead now that the neighbor's cats have repeatedly nommed it to nothing. I will plant another if the stores carry them again, and will resolve to protect it better. Otoh, Julia Child roses ar...
by kacang
Mon Apr 27, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33262

Re: What have you baked recently?

I make this cake regularly using my sourdough discard. It's heavenly, however it took me a few tries and tweaks to get it right. https://www.kingarthurflour.com/recipes/sourdough-chocolate-cake-recipe Thank you! I baked it after reading your post, this choc cake is Delicious. I followed the KAF rec...
by kacang
Wed Apr 15, 2020 5:00 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20706

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

Flowbee lol. My kids have bad memories of flowbee haircuts when they were little. The men in my family are letting it grow, despite my offers to mow the lawn.
by kacang
Sun Apr 12, 2020 3:17 pm
Forum: Investing - Theory, News & General
Topic: Does anybody have an IPS that says 'I will sell all equities when X happens'?
Replies: 92
Views: 4063

Re: Does anybody have an IPS that says 'I will sell all equities when X happens'?

Our IPS has a floor for fixed income that we will not rebalance from. Theoretically, if the market drop 80%, a rebalance would hit that floor. If the market stays down for many years, we would end up selling all equities to fund spending. Otherwise it's just rebalancing when bands are triggered to m...
by kacang
Sat Apr 04, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

I was wondering if lawn service is regarded as an essential service in states that have stay-at-home orders? If it is not regarded as an essential service, how are you going to cut your lawn? In Michigan lawn service is not regarded as an essential service. The governor's stay-at-home order expires...
by kacang
Thu Apr 02, 2020 11:45 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Anyway, I think if I were to feel the need to wear an N95 mask in public currently, I like the idea of having it concealed by a bandana or similar. Are there any drawbacks to this approach from an N95 performance standpoint? Could it reduce the effectiveness of the N95 mask? I think it's fine, if u...
by kacang
Tue Mar 31, 2020 2:58 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 56428

Re: How to get Toilet Paper ? seriously.

2 weeks ago on a midweek early morning, we were able to get TP at Costco. One week ago, our neighborhood Whole Foods delivered TP to my home (bought them for a friend who couldn't find any in her neighborhood). Saw TP today morning at Trader Joes, nobody seem to be interested in them. Maybe some san...
by kacang
Sun Mar 29, 2020 7:25 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193818

Re: Bogleheads community discussion - Coronavirus

Folks, Could you please recommend any DIY washable face mask design with a pocket that I can insert tissue paper? Something that I can watch a video and do it. I do not know how to use a sewing machine. So, I have to manually sew it. Thanks. KlangFool I have made these for my family. They are washa...
by kacang
Sat Mar 28, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17444

Re: What will you do first, once COVID pandemic is over?

If my mother makes it, see her and the rest of our family in Asia
by kacang
Tue Mar 24, 2020 7:26 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Interesting report from Stanford. Baking a N95 mask in a regular oven at 158F for 30min works to disinfect it. E Coli was used as the surrogate for SARS-cov-2 in their test. https://m.box.com/shared_item/https%3A%2F%2Fstanfordmedicine.box.com%2Fv%2Fcovid19-PPE-1-1 Might be one way to address the sho...
by kacang
Tue Mar 24, 2020 6:05 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 282
Views: 33262

Re: What have you baked recently?

I bake bread regularly and preferred flours are King Arthur's white whole wheat and Central Milling's all-purpose. Ran out of white whole wheat and the flour aisle was empty. Found a 20lb(!!) bag of chakki atta at Costco. It's Indian whole wheat, 12% protein but several bloggers mentioned that bread...
by kacang
Sun Mar 22, 2020 10:31 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3225

Re: How are you supporting your community?

https://www.canyonlandquilts.com/make-a-mask.htm Kacang - I'd be interested in your opinion on the mask pattern from Moab. Maybe try making one and post? Interesting. Moab probably has reviewed the design and deemed it suitable for their use. From watching the Youtube, I probably won't make this ma...
by kacang
Sat Mar 21, 2020 9:22 pm
Forum: Personal Consumer Issues
Topic: How are you supporting your community?
Replies: 60
Views: 3225

Re: How are you supporting your community?

I have made and worn cloth masks, with the understanding that they will not give the same level of protection as N95 masks, but could protect against large droplets if used properly. Here's my tutorial for how to make it. If you want the pdf, pm me. https://imgur.com/a/1JQGGZD Mine is based on the m...
by kacang
Sat Mar 21, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

I’m concerned by the number of people on this thread who bought masks and gloves, and now there are not enough in the hospitals. Why do you need one? Not the poster you're quoting. Agreed that PPE should be prioritized for medical workers. Some Californians may have N95 mask leftovers for when ther...
by kacang
Sat Mar 21, 2020 6:51 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

While we're taking steps to take care of ourselves, if we have capacity to, it would be good to think about our community needs as well. Eg. if you/your employer/school lab have PPE supplies that are not needed immediately, your local hospitals may be accepting donations. Hospitals in my area (SF Ba...
by kacang
Thu Mar 19, 2020 11:11 pm
Forum: Personal Consumer Issues
Topic: Pay cleaning lady during coronavirus pause?
Replies: 73
Views: 5913

Re: Pay cleaning lady during coronavirus pause?

Our area is under shelter-in-place order, lots of people are hurting. We plan to continue paying our cleaning lady and yard guy. They have been with us for years and have not raised their fees a single time and even declined when we offered to pay more. It's the least we can do to support them throu...
by kacang
Thu Mar 19, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Gardening 2020
Replies: 155
Views: 11723

Gardening 2020

Searched but looks like we do not have a thread started for this year yet. Started some seeds for swiss chards, mustard, collards, kale. First time growing these vegetables, been checking daily for sprouts. Fig cordon experiment continues. Last November, I cut the trunk of a young fig plant to 16". ...
by kacang
Thu Mar 19, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Now that our college kid is home as campus is closed, I'll have to adjust our grocery shopping. Forgot how much food a male teenager can eat. Maybe the mad hoarding is over, my Costco (Bay Area) was very orderly. A line formed outside before the store opened, everyone was standing ~6 feet apart. The...
by kacang
Tue Mar 17, 2020 7:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Sharing my experience in case someone is thinking of making diy masks. Sorry if this is inappropriate. We're in a hot spot and I expect hospitals will be swamped soon, if not already. Been trying to make cloth masks, in case we fall sick and need in-home care. Bounced a prototype against a friend wh...
by kacang
Sat Mar 14, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Plan for self-care, do something fun and unrelated to covid/stock market. Plant something in a pot/your yard, watch it grow. Gardening is an exercise in optimism. Connect with your neighbors, start today if you haven't already. On Nextdoor, my neighbors are reaching out to offer help, especially to ...
by kacang
Fri Mar 13, 2020 3:04 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3987
Views: 303023

Re: Coronavirus and the market

IN USA(like Singapore) we are slowing the spread and the goal seems to build herd immunity. Most of the Europe seem to do this as well. Umm No. How did you come to such a conclusion? US and Singapore's approaches are not the same. Singapore has been very aggressive with testing, contact tracing and...
by kacang
Thu Mar 12, 2020 8:05 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193818

Re: Coronavirus and the market

Check this out: The CDC's website--- https://www.cdc.gov/coronavirus/2019-ncov/testing-in-us.html See the Graph. Over the past four days the CDC has tested exactly ZERO people for covid19. And US health labs have done a few hundred. Yesterday they tested a total of EIGHT people. Total. Let's repeat...
by kacang
Thu Mar 12, 2020 7:24 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 193818

Re: Bogleheads community discussion - Coronavirus

Let's say testing will become widely available in 3-4 weeks. Will it be possible to tell if one has had COVID-19 several weeks earlier and then recovered? Victoria Yes there is. There are different types of tests -- we desperately need those that look for the existing virus circulating in the body,...
by kacang
Thu Mar 12, 2020 5:10 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 26259

Re: Who is staying course and how are you dealing with net worth going down?

Rebalanced once, prepared to rebalance again as needed, till we hit a lower limit of 7-years' of expenses in fixed income. All per IPS. Can't sleep well at night, not because of stock market. My mother is her nineties and has been through several health scares in recent years, including pneumonia, s...
by kacang
Mon Mar 09, 2020 9:49 pm
Forum: Personal Investments
Topic: TLH from VTIAX to VFWAX while holding VTSNX in 401k
Replies: 19
Views: 851

Re: TLH from VTIAX to VFWAX while holding VTSNX in 401k

Yes, if there is another TLH opportunity, you can sell VTMGX/VEMAX later (outside wash sale period) & get VTIAX. But in general, TLH partners should be something you don't mind holding in your portfolio.
by kacang
Mon Mar 09, 2020 7:46 pm
Forum: Personal Investments
Topic: TLH from VTIAX to VFWAX while holding VTSNX in 401k
Replies: 19
Views: 851

Re: TLH from VTIAX to VFWAX while holding VTSNX in 401k

It's a grey area and personally I avoid holding funds in 401k and taxable that follow the same indices. If having an additional fund in the portfolio doesn't bother you, maybe use a combination of VTMGX and VEMAX to approximates VTIAX? Here's a past thread that compares them https://www.bogleheads.o...
by kacang
Mon Mar 09, 2020 7:30 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 306
Views: 27573

Re: Who here is buying stocks today and how much?

Per IPS, rebalanced today to maintain AA. 100K from total bonds to total stock.
by kacang
Sun Mar 01, 2020 6:40 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Was at my Costco (SF Bay Area) this morning. It was the usual busy weekend crowd, most people seem to be doing regular shopping. Only a few carts with multiple packages of toilet paper and water. Shelves look stocked except for hand sanitizer.
by kacang
Fri Feb 28, 2020 1:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19255
Views: 2672688

Re: U.S. stocks in free fall

With all the chatter, I thought I'd better check our AA. Nope, still within the 5% rebalancing bands stated in our IPS.

Back to doing taxes.
by kacang
Thu Feb 27, 2020 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R for excess contribution, rollover headache
Replies: 4
Views: 420

Re: 1099R for excess contribution, rollover headache

An update. Armed with a slightly better understanding of what needs to be done, I reached out to M1 and IRS. I was surprised to get an appointment with the local IRS office almost immediately. - 1099 R from M1 is incorrect. They won't change it, but they will issue a letter to explain. I am waiting ...
by kacang
Sun Feb 23, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19255
Views: 2672688

Re: U.S. stocks in free fall

TheTimeLord wrote:
Sun Feb 23, 2020 11:31 pm
What do you have to TLH?
If there's a significant drop , just some VTSAX, not as much as Dec 2018 but any amount is welcomed. We are still using the loss carryover towards 2019 tax filing.
by kacang
Sun Feb 23, 2020 11:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 19255
Views: 2672688

Re: U.S. stocks in free fall

Staying the course. If tomorrow is a RBD, then it's time to TLH
by kacang
Thu Feb 20, 2020 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R for excess contribution, rollover headache
Replies: 4
Views: 420

Re: 1099R for excess contribution, rollover headache

Thank you Alan for responding, your explanation is very helpful From Fidelity you should have: 1) 1099R coded H reporting the allowed amount of the direct rollover that was done to your Roth IRA Yes, have that 2) 1099R coded E reporting the excess amount you were not allowed to rollover plus earning...
by kacang
Thu Feb 20, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: 1099R for excess contribution, rollover headache
Replies: 4
Views: 420

1099R for excess contribution, rollover headache

This is a bit convoluted, please bear with me. After I retired, I rolled over the after-tax Roth portion of my Fidelity 401k to a new Roth IRA with M1 finance in June 2019. In July 2019, Fidelity informed me that there was an excess 2018 contribution of $2200 which was ineligible for the rollover. A...
by kacang
Fri Feb 14, 2020 12:26 am
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 130329

Re: Coronavirus (Consumer Issues) How you are preparing?

Nothing beyond what we normally do. Except a few precautions, such as more frequent hand-washing and 2 weeks of self-isolation after my recent trip to Taiwan & Singapore. I wasn't in China, but it puts others more at ease. We're in CA. Between preparing for earthquakes and forest fires, we are well-...
by kacang
Wed Feb 12, 2020 6:19 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1471
Views: 196916

Re: Post your Financial Milestone Announcements Here

We hit the two comma club a couple of days ago (with home equity)! We started at -250K about 7.5 years ago at the end of residency. I just wanted to thank all of you who have been so helpful over the years with your insight and advice. I told my wife and her response was, "That's nice, honey." I th...
by kacang
Wed Feb 12, 2020 6:15 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1471
Views: 196916

Re: Post your Financial Milestone Announcements Here

Mortgage payoff!!! My balance is $0.00. :beer I had originally setup my bank account to do an ACH transfer for the balance due. When I tried to execute the ACH transaction, I was very surprised to learn that banks put a limit on the ACH dollar amount (like $5,000 or so). It would take a number of d...
by kacang
Wed Feb 12, 2020 3:30 pm
Forum: Personal Consumer Issues
Topic: What are your not free but still frugal hobbies?
Replies: 102
Views: 7618

Re: What are your not free but still frugal hobbies?

Boardgames. Many hours of fun with family, friends & neighbors. Knitting. A nice set of interchangeable needles (<$200) is good for many projects. Yarn cost is relatively low for hours of leisurely knitting. Successful product can be used by self, gifted or donated to charity. Unsuccessful products ...