Search found 470 matches

by Socrates
Sun Jun 28, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Repairing a hole in plastic kiddie pool
Replies: 26
Views: 1557

Re: Repairing a hole in plastic kiddie pool

$6 dollars at Walmart, buy a new one.....
by Socrates
Thu Jun 18, 2020 9:34 am
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

Re: working longer for free health care? is it worth it?

You have to weigh the stress against more freedom. That is different for everyone.
How many good quality years is the job going to take off your life?
So true......I'd retire yesterday (like many here wish), if I could...... :sharebeer
by Socrates
Thu Jun 18, 2020 9:32 am
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

thank you all

Is the $8400-8800 in 6 years or now? Have you considered taking the reduced pension so that if you die first, your wife can continue it at the same amount for the rest of her life? I also have a retirement account with $250,000 in it, another cash pension account of about $75,000 and will inherit a...
by Socrates
Thu Jun 18, 2020 9:22 am
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

Re: working longer for free health care? is it worth it?

Like others have said, no need to make a decision now. Perhaps you should re-visit this when you are 58 or 59.
yeah....I'm a pre planner and would love to retire now, but I need to be patient. I am not even eligible for the pension until I reach 55!
by Socrates
Thu Jun 18, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

Re: working longer for free health care? is it worth it?

It would be a good idea to check with your district to see if, even if you have to pay for it out of pocket, you would have access to your employer's group health insurance as a retiree. This was the case for a friend of mine who was a STRS employee at an elementary school. She is continuing to buy...
by Socrates
Tue Jun 16, 2020 10:03 am
Forum: Personal Investments
Topic: International stock exposure...is up to 40% necessary?
Replies: 71
Views: 4796

Re: International stock exposure...is up to 40% necessary?

Since its inception in 1996, Total International has returned 3.59%
by Socrates
Fri Jun 12, 2020 8:12 pm
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

Re: working longer for free health care? is it worth it?

Thank you all for your thoughtful responses. I am a professor at a community college and also run a program to ensure students with disabilities can participate in the educational process. I make good money, love working with students and my job is not that demanding. That said, I hate commuting, of...
by Socrates
Fri Jun 12, 2020 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: working longer for free health care? is it worth it?
Replies: 27
Views: 3775

working longer for free health care? is it worth it?

I'm 54 and would like to ideally retire when I am 60. Work 5 FT years and in the final year I can work 1/2 time and get a full year credit towards my pension. My pension is with CAL STRS and I will get between $8400-8800 a month. I jut learned if I log 20 FT years in the district, I will qualify for...
by Socrates
Tue Jun 09, 2020 11:25 am
Forum: Personal Consumer Issues
Topic: Replacing worn orbital sander pads
Replies: 2
Views: 233

Re: Replacing worn orbital sander pads

Match up recessed mounting screw holes with replacement pad. Available at HD and Lowe's.
Thanks I was hoping it was something that easy.
by Socrates
Tue Jun 09, 2020 11:13 am
Forum: Personal Consumer Issues
Topic: Millionaire Teacher - Andrew Hallam
Replies: 70
Views: 10809

Re: Millionaire Teacher - Andrew Hallam

Plenty of places in New Jersey. You could work in Atlantic City, Ocean City, NJ, or Edison, NJ for example, where the median teacher salary is $96,500, $92,500, $96,600 respectively and live in a decent not so expensive suburb outside of the city. I don't think that is accurate....median salary mea...
by Socrates
Tue Jun 09, 2020 10:15 am
Forum: Personal Consumer Issues
Topic: Replacing worn orbital sander pads
Replies: 2
Views: 233

Replacing worn orbital sander pads

Bought a few orbital sanders at a garage sale last weekend. The velcro hooks are worn. I believe neither sander is made anymore. Is there a cheap generic pad I can buy somewhere to replace the old pad? I'm guessing I match the holes and size? I see ones made for specific sanders and some say will fi...
by Socrates
Thu Jun 04, 2020 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Selling wife's 1-year old car?
Replies: 86
Views: 6117

Re: Selling wife's 1-year old car?

3 mile total commute? I'd sell it and buy a $5000 car (or cheaper mid mileage car) and use that money and saving for a DP on a house. Also when looking at mortgage qualification you will have less debt. I make $175,000 a year and drive a 2005 Equinox with 84,000 miles on it. Drives fine. I think peo...
by Socrates
Wed May 27, 2020 12:14 pm
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 195
Views: 16968

Re: Swedroe’s Bond Advice - no total bond index

for pragmatic reasons: Total Bond Index is one of the few bond funds available in Vanguard's 403(b) account as they only offer a few bond funds. One is the corporate bond fund, the other is core and I believe short term.
by Socrates
Tue May 26, 2020 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Worst House on the best block?
Replies: 52
Views: 4512

Re: Worst House on the best block?

Location, Location, Location

:sharebeer
by Socrates
Sat May 23, 2020 8:31 pm
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1577

Discount wine sites for upscale wine?

I am looking for legit web sites or places that sell higher end wines for a discount? I know Costco sells wines at a good price, but sometimes their selection is limited. Have not been that impressed with Total Wine.

Thanks
by Socrates
Fri May 15, 2020 12:04 pm
Forum: Personal Consumer Issues
Topic: Peloton Treadmill: Anyone here own one..,,
Replies: 59
Views: 4952

Re: Peloton Treadmill: Anyone here own one..,,

I would look at Pro Form for half the cost. I got a Pro form with extended shock deck $500 off at Costco. Costco has reduced prices to begin with, plus $500 off. I essentially bought a $2700+ treadmill for about $1400. You can subscribe to classes using ipad or smart TV. I have a TV mounted above th...
by Socrates
Mon May 11, 2020 8:53 pm
Forum: Personal Consumer Issues
Topic: Shrinking Jeans in Washer/Dryer
Replies: 29
Views: 1462

Re: Shrinking Jeans in Washer/Dryer

Return them. It will be hard to shrink them they way you want if they are loose through the leg, for example. You may end up shrinking the length or waist.

Jeans have cuts: straight cut, or roomy in the legs, or butt, etc.....make sure you get the right fit for your body.
by Socrates
Wed May 06, 2020 2:41 pm
Forum: Investing - Theory, News & General
Topic: Treasurys increases longer-date debt auctions, unveils 20-year bond
Replies: 11
Views: 928

Re: Treasurys increases longer-date debt auctions, unveils 20-year bond

IEF over 10% YTD very happy with 7-10 year treasuries as a buffer during this time
by Socrates
Sun May 03, 2020 8:18 pm
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: Why value is dead
Replies: 96
Views: 9115

Re: Bill Bernstein: Why value is dead

I'm out on SCV......

The older I get I am simplifying

Total Stock Market
a little (10%) health care tilt
Intermediate Corporate Bond
Intermediate treasury

IRA

60-40

Wellesley
Wellington

after all this COVID 19 portfolio adjustments I will settle in to a 60-40 split stocks/bonds
by Socrates
Sun May 03, 2020 5:02 pm
Forum: Personal Consumer Issues
Topic: Lawnmower recommendation
Replies: 65
Views: 4083

Re: Lawnmower recommendation

Bought a almost new Honda on Craigslist for $100 and nice fuel can. I noticed it was the same as many yard services use.

Often people will sell them when moving or they buy an electric mower....worth checking out

I leave gas in my mower all the time and nothing has every happened
by Socrates
Sat May 02, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7991

Re: Where to buy a home in the Bay Area

Hard to find a town home near the city for under $800,000 those suggesting San Mateo or even San Carlos are not in touch with reality. You can find condos close to the 101 for cheaper, but the neighborhoods are not as nice
by Socrates
Wed Apr 29, 2020 10:34 pm
Forum: Personal Investments
Topic: 25 Years Old Trying to Build a Lazy Portfolio
Replies: 31
Views: 2402

Re: 25 Years Old Trying to Build a Lazy Portfolio

90% Total Stock Market or SP 500 doesnt matter
10% REIT

At age 25 I would not do bonds. Im sure many here would add international and reduce TSM/SP 500.

You have 50 years.....key is to invest and save as much as you can at low expense.
by Socrates
Wed Apr 29, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Time to rebalance by selling stocks?
Replies: 24
Views: 2026

Re: Time to rebalance by selling stocks?

Yeah I bought in first around 2400 and then 2200ish with my bond fund money. I almosted pulled the trigger today to rebalance.....probably will very soon with treasuries and then buy again if markets drops (due to all the economic impact). or may stay with rebalancing......its been a wild ride, but ...
by Socrates
Wed Apr 01, 2020 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: College choice dilemma
Replies: 167
Views: 7984

Re: College choice dilemma

first of all, congrats........I'd go Vanderbilt. It is an outstanding school and will save you over $300,000. Vanderbilt is a very highly ranked institution. Not sure what your son's major is, that would be essential in answering the question I am a big believer in that you make your mark in grad sc...
by Socrates
Tue Mar 17, 2020 8:46 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 194699

Re: Optimism amongst the panic and worry

I didnt have to go into work today


did a meeting over the phone in my sweats and took a nap
by Socrates
Fri Mar 13, 2020 10:24 pm
Forum: Personal Investments
Topic: Still a fan of small value?
Replies: 97
Views: 4502

Huge fan

Huge fan IJS 1 yr returns over 24%....10 year...over 12%

:D
by Socrates
Fri Mar 13, 2020 10:20 pm
Forum: Personal Consumer Issues
Topic: What entertainment during Covid-19 times?
Replies: 101
Views: 5578

Re: What entertainment during Covid-19 times?

I have been gardening....and drinking while I garden....very nice
by Socrates
Thu Mar 12, 2020 9:54 pm
Forum: Personal Investments
Topic: Well, yeah, I bought in today
Replies: 0
Views: 334

Well, yeah, I bought in today

was 60-40, and did a small exchange Monday and then a large exchange today after I heard most sports leagues (Soccer and NBA- NCAA canceling and MLB no fans) shutting down. Add celebrities getting corona- I'm in. Have some bond funds (pImco) left in case it goes a little lower. Im 54 and figure I ha...
by Socrates
Thu Mar 12, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1639
Views: 135089

side note

I work for a community college in Northern California and we are switching to online instruction as of next Wednesday.
by Socrates
Thu Mar 12, 2020 9:47 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1639
Views: 135089

well things are very different today

Costco was in complete crisis mode......I came in at 10:00 because they have been out of toilet paper for three days and well, I need TP! People were actually running into the store (I admit- I kinda jogged in myself) . It was packed and easily a third of the people in there had gloves and masks on....
by Socrates
Sat Mar 07, 2020 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Masters degree
Replies: 13
Views: 715

look at teaching at a community college

I make around $170,000 teaching at a California Community College

my major was psychology
by Socrates
Sat Mar 07, 2020 2:43 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1639
Views: 135089

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

I have been to Walmart, Costco and Target last week (and a grocery store).....there were no lines for bottled water and other supplies....just the same average crowds I always see. Both Walmart and Target had bins in the aisles with hand sanitizer that were full of product and nobody was even lookin...
by Socrates
Sat Mar 07, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Bluetooth stereo transmitter
Replies: 7
Views: 473

This is what I use to stream music through a phone

to my old school MArantz stereo and Bose radio https://www.amazon.com/Logitech-Bluetooth-Audio-Adapter-Streaming/dp/B00IQBSW28/ref=sr_1_1?keywords=bluetooth+transmitter+logitech&qid=1583602886&s=home-garden&sr=1-1-catcorr Im not sure I understand the question.....do you want the music from your ster...
by Socrates
Sat Feb 29, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: [Why aren't forum members following the "Stay the course" approach?]
Replies: 372
Views: 25980

Re: Disappointed in forum members

I don't recall signing a manifesto when I registered.
LOL....meet us out back....we need to talk
by Socrates
Sat Feb 29, 2020 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can my wife and I afford a $600K + house?
Replies: 57
Views: 5453

Re: Can my wife and I afford a $600K + house?

If you run the numbers and calculate what you would pay in interest over the life the the two loans, you will see that you pay a ton more in interest dollars on a 30 yr (not to mention that the 30yr interest rate is just going to be higher). You want your money going towards things that pay you int...
by Socrates
Fri Feb 28, 2020 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can my wife and I afford a $600K + house?
Replies: 57
Views: 5453

Re: Can my wife and I afford a $600K + house?

Your remaining balance must be in a 15 yr fixed rate mortgage
why?
by Socrates
Sat Feb 22, 2020 9:57 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1639
Views: 135089

been living in my backyard bunker

for 6 weeks now.....running out of food, but can't go to surface.....send help ASAP
by Socrates
Sat Feb 22, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4785

Re: Passion vs money

For the people saying be an engineer come on...... I work at a college if you go into social work you are not doing it for the money and you pretty much don't like math a physics you go into social work for the love and passion of the career and wanting to help people live a better life and it is n...
by Socrates
Fri Feb 21, 2020 8:51 pm
Forum: Personal Consumer Issues
Topic: Master of Social Work degree
Replies: 111
Views: 4785

Passion vs money

For the people saying be an engineer come on...... I work at a college if you go into social work you are not doing it for the money and you pretty much don't like math a physics you go into social work for the love and passion of the career and wanting to help people live a better life and it is no...
by Socrates
Fri Feb 21, 2020 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: San Francisco with a Family
Replies: 90
Views: 5681

Re: San Francisco with a Family

I'd pass if you can. The Bay Area in general is outrageously expensive. If you have the money, check out the Peninsula.....very nice schools and weather, but a nice house will cost you 1.5 million example 1500 sq ft) and up. I lived in San Mateo, Half Moon Bay, Mill Valley and SF. The SF stories abo...
by Socrates
Tue Feb 18, 2020 9:56 pm
Forum: Investing - Theory, News & General
Topic: Think Bed Bath & Beyond is at bottom? Any chances thriving?
Replies: 61
Views: 4000

Re: Think Bed Bath & Beyond is at bottom? Any chances thriving?

NO.....how it has been in existence for so long is mind boggling


only brick and mortars that will last Target, Costco a few others
by Socrates
Sat Feb 15, 2020 1:06 pm
Forum: Personal Consumer Issues
Topic: Best car tires to buy and best place to buy them?
Replies: 17
Views: 1616

Re: Best car tires to buy and best place to buy them?

[I heard free rotation but never heard of free install./quote] You are right....however, when you buy tires on sale, they have special sales where the tires are discounted, but also the installation is heavily discount (e.g., free balancing). There are some very basic charges, but again they are he...
by Socrates
Fri Feb 14, 2020 11:09 pm
Forum: Personal Consumer Issues
Topic: Best car tires to buy and best place to buy them?
Replies: 17
Views: 1616

Re: Best car tires to buy and best place to buy them?

Costco Michelin Defenders......they go on sale every couple of months.....very nice tires

free install, and free rotation
by Socrates
Sat Jan 25, 2020 9:10 pm
Forum: Personal Investments
Topic: Fidelity Bond Funds
Replies: 12
Views: 1516

Re: Fidelity Bond Funds

I like Fidelity Total Bond FTBFX

My bond funds are limited in my Vanguard 403(b) (Total Bond Market Index and a few others), so I use FTBFX as more core bond fund and also some VFIDX.
by Socrates
Sun Jan 05, 2020 8:45 pm
Forum: Personal Investments
Topic: Buying Total Stock Market now? 403(b)
Replies: 4
Views: 868

Buying Total Stock Market now? 403(b)

I dollar cost average in my 403(b).....I have a portfolio of: 60% stocks 30% Vanguard TSM 10% Vanguard Healthcare 10% REIT 10% Vanguard Small Cap Value 40% Bonds 30% Fidelity Total Bond 10% Vanguard Corporate I am totally rebalanced as I have been buying other areas listed, but I am 53 and my questi...
by Socrates
Sun Jan 05, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Cosmetology School vs Traditional College
Replies: 99
Views: 6137

Re: Cosmetology School vs Traditional College

She also desires to be a stay at home mother once she is married and doesn't want to take on any debt. Her plan is that if she has a skill she would be able to use it on the side if her household needed the additional income. That says a lot that she wants to be a stay at home mom......which is gre...
by Socrates
Sat Dec 28, 2019 10:38 pm
Forum: Personal Investments
Topic: Best SCV to choose from?
Replies: 49
Views: 5936

IJS

IJS....nm
by Socrates
Sat Dec 28, 2019 10:38 pm
Forum: Personal Investments
Topic: Best SCV to choose from?
Replies: 49
Views: 5936

IJS

IJS....nm
by Socrates
Sat Dec 28, 2019 10:37 pm
Forum: Personal Consumer Issues
Topic: iPhone - saving the battery?
Replies: 5
Views: 685

Re: iPhone - saving the battery?

my phone is 3 years old battery sucks