Search found 214 matches

by Godot
Thu Sep 19, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Best places to live to raise a family (cost doesn't matter)
Replies: 80
Views: 5994

Re: Best places to live to raise a family (cost doesn't matter)

livesoft wrote:
Wed Sep 18, 2019 4:36 pm
Lake Oswego, OR
Llloyd Harbor, NY
Lake Oswego +1
by Godot
Thu Sep 19, 2019 12:04 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8527

Re: Do You Tip At Counter Service Restaurants?

His point was that these types of restaurants have low margins and can easily go out of business. He suggested tipping up to 10% at such a restaurant that I might want to frequent in order to show support and to help keep them afloat. Mike Numerous businesses have low margins. Do you tip at grocery...
by Godot
Thu Sep 19, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8527

Re: Do You Tip At Counter Service Restaurants?

Yes, usually. I don't like doing it....I wish restaurant owners and other owners of establishments were forced to pay a minimum wage. I would rather them pay their employees more and charge me more for food and drinks, as the system should work and as it works in other countries. With a $15 minimum...
by Godot
Tue Sep 17, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4308

Re: Seasoned retirees...

Find two hobbies: One to make you money. One to keep you in shape. When does a money-making hobby become a "job"? When you're doing it for yourself, it's a hobby. When you're doing it for someone else, it's a job. Meh. Weak distinction. Millions of people are self employed, but would not call their...
by Godot
Mon Sep 16, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Do You Tip At Counter Service Restaurants?
Replies: 145
Views: 8527

Re: Do You Tip At Counter Service Restaurants?

CoastalWinds wrote:
Sun Sep 15, 2019 12:42 pm
It’s guilt-based social engineering, and it is out of control.
+1. This kind of tipping (and others) simply subsidizes businesses.
by Godot
Mon Sep 16, 2019 12:57 pm
Forum: Personal Consumer Issues
Topic: Seasoned retirees...
Replies: 52
Views: 4308

Re: Seasoned retirees...

DanMahowny wrote:
Mon Sep 16, 2019 10:03 am
Find two hobbies:
One to make you money. One to keep you in shape.
When does a money-making hobby become a "job"?
by Godot
Sun Sep 15, 2019 4:34 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2019!
Replies: 370
Views: 47922

Re: Roll Call for the Retirement Class of 2019!

All, a couple of weeks ago, I am throwing in the towel and expect to retire at the end of this year. 32 years working state and city government, and high traditional 457b 1.0 million, net worth 2.1 million, Roth IRA account 420K, No kids, no spouse, expenses are approx 25K. I've calculated that my ...
by Godot
Sun Sep 15, 2019 2:40 pm
Forum: Investing - Theory, News & General
Topic: Oil price going to a $100-- time to change your asset allocation??
Replies: 86
Views: 8157

Re: Oil price going to a $100-- time to change your asset allocation??

Nicolas wrote:
Sun Sep 15, 2019 2:29 pm
Saudis backtrack, now expect to have one-third of crude output back online by Monday.
https://www.marketwatch.com/story/saudi ... latestnews
If it's a Marketwatch story it must be true.
by Godot
Sat Sep 14, 2019 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Discover removing ability to send emails to customer service, use chat instead
Replies: 2
Views: 264

Re: Discover removing ability to send emails to customer service, use chat instead

I just got email from Discover saying that as of 10/15 you won't be able to send and reply to emails, the feature will just be for them to send you notices. They want us to use live chat instead. Personally, I prefer email since it doesn't require me to wait for an agent to be available and I don't...
by Godot
Fri Sep 13, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 2936

Re: What dish soap do you use?

runner3081 wrote:
Fri Sep 13, 2019 1:26 pm
Whatever brand Dollar Tree sells.

50 ounces for $1.00.
I use this as well, and then pour it into a Seventh Generation bottle, for when guests come over.
by Godot
Fri Sep 13, 2019 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Whistleblowing / Going Rogue at Work
Replies: 122
Views: 5822

Re: Whistleblowing / Going Rogue at Work

So about a year ago I started emailing someone very high up in the company. I created a new Gmail email and started letting them know how messed up things are behind the scenes. There is an extremely large $ project going on and it's been a disaster from Day 1 and I was giving this person a behind ...
by Godot
Thu Sep 12, 2019 5:15 pm
Forum: Personal Consumer Issues
Topic: What's in a name?
Replies: 8
Views: 778

Re: What's in a name?

Hi All: I am building a small chatbot that will answer basic questions such as: 1. What were sales for Product X last quarter, the previous quarter? 2. How much did sales change in last one quarter? 3. Who were the top 3 regions last quarter? I'd like to give the bot a fun, quirky, mr. "know-it-all...
by Godot
Tue Sep 10, 2019 12:17 pm
Forum: Personal Consumer Issues
Topic: Where to go "borrow" fast upload speed
Replies: 10
Views: 736

Re: Where to go "borrow" fast upload speed

dziuniek wrote:
Tue Sep 10, 2019 12:04 pm
College Library.
Most college libraries will still require a password.
by Godot
Mon Sep 09, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10827

Re: Did I commit a tipping faux pas?

I recently moved... I hired a moving company to haul my stuff from the old house to the new one. Their fee was about $575. They sent two guys out to do the job, which took about five hours. Now, let's see. The guys get paid for their labor, that their employer charges over $100 per hour. How much t...
by Godot
Mon Sep 02, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Life Expectancy For Those Born in 1960
Replies: 26
Views: 2191

Re: Life Expectancy For Those Born in 1960

Calli114 wrote:
Mon Sep 02, 2019 4:38 pm
My class of '78 has not fared very well, with at least 3 of 20 gone.
(One oil well accident and 2 MVAs.)
MVA?
by Godot
Tue Aug 27, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9415

Re: The cost to talk to a doctor

Just a matter of time before MDLIVE or some one else will use doctors overseas at a fraction the cost. What is stopping an app in India to provide medical consulting to anyone in the world. Doctors Without Borders indeed. I'm looking forward to this. I guess I'll just set a computer terminal on the...
by Godot
Mon Aug 26, 2019 5:19 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9415

Re: The cost to talk to a doctor

My doctor doesn’t charge anything to communicate using email/patient portal. Obviously you don’t want to be the little boy crying wolf and emailing them every week, but when I’ve been genuinely sick I’ve always talked to them through the portal and they never charged me anything. IMO I’d try to fin...
by Godot
Mon Aug 26, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9415

Re: The cost to talk to a doctor

About nurse lines, I have had mixed experiences: If you get an older nurse, someone with some experience and common sense, they are very useful. If you get a newbie, they'll worry about a lawsuit if they miss something and so they'll tell you to go to the doctor. I don't understand nurse lines. The...
by Godot
Mon Aug 26, 2019 11:59 am
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9415

Re: The cost to talk to a doctor

Just a matter of time before MDLIVE or some one else will use doctors overseas at a fraction the cost. What is stopping an app in India to provide medical consulting to anyone in the world. Doctors Without Borders indeed. I'm looking forward to this. I guess I'll just set a computer terminal on the...
by Godot
Sun Aug 25, 2019 3:54 pm
Forum: Personal Consumer Issues
Topic: The cost to talk to a doctor
Replies: 152
Views: 9415

Re: The cost to talk to a doctor

IngognitoUSA wrote:
Sun Aug 25, 2019 12:33 pm
Just a matter of time before MDLIVE or some one else will use doctors overseas at a fraction the cost. What is stopping an app in India to provide medical consulting to anyone in the world. Doctors Without Borders indeed.
I'm looking forward to this.
by Godot
Tue Aug 20, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Anyonw driving Uber for fun and pocket money in retirement?
Replies: 89
Views: 7858

Re: Anyonw driving Uber for fun and pocket money in retirement?

Last night, I came back from my two week vacation travel in Europe. The flight was delayed and I came back to my local airport at 1:30AM (this morning). My wife booked an Uber car and we were home in about 5 minutes. The driver was a senior person probably between 60 and 70 with a Google map on his...
by Godot
Sun Aug 18, 2019 11:33 am
Forum: Personal Consumer Issues
Topic: How to read (and retain)?
Replies: 90
Views: 5201

Re: How to read (and retain)?

UpperNwGuy wrote:
Sun Aug 18, 2019 9:46 am
How old are you? I find as I get older, I remember less of what I read.
If you remember OP's post you would see that he is 32.
by Godot
Sat Aug 17, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Book or documentary recommendations on American economic dominance
Replies: 26
Views: 1631

Re: Book or documentary recommendations on American economic dominance

Jackson Lears' Something for Nothing. It's an alternative history of America, focusing on the role of risk-taking, gambling, and luck, and how they have helped (and continue to help) shape the American ethos in general and the American economy in particular.
by Godot
Thu Aug 15, 2019 1:57 pm
Forum: Personal Investments
Topic: Morningstar Tracking: TIAA Traditional
Replies: 4
Views: 207

Re: Morningstar Tracking: TIAA Traditional

TIAA Trad has fixed rates. What do you mean by "tracking"?
by Godot
Wed Aug 14, 2019 1:54 pm
Forum: Personal Investments
Topic: Laid off - 59yo - advice please
Replies: 44
Views: 6919

Re: Laid off - 59yo - advice please

The first thing I would consider is leaving CA for a lower cost state and possibly consider leaving the U.S. In many countries you can earn (if legal) a decent amount for the locale teaching English and if "working" is not a legal option you can barter English lessons for goods or simply barter in ...
by Godot
Tue Aug 13, 2019 1:53 pm
Forum: Investing - Theory, News & General
Topic: this time it's different
Replies: 92
Views: 10283

Re: this time it's different

heyeaglefn wrote:
Tue Aug 13, 2019 7:50 am
At some point someone will get it right.
Big assumption.
by Godot
Sun Aug 11, 2019 9:35 am
Forum: Personal Investments
Topic: Laid Off - Need Advice
Replies: 48
Views: 3650

Re: Laid Off - Need Advice

I second or third the earlier advice about dropping the sabbatical and beginning your job hunt now. I am over the age of 55 and lost my job just under a year ago. Luckily, I was able to regain employment in my industry and for the most part have recovered from that job loss, though my new salary is...
by Godot
Fri Aug 09, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I know this thread is mostly Marcus, but there were few responses for Simple. I completed my funding of the Protected Goals requirement today with Simple. Their website and process to link with Ally was simple :D and the CSR on the phone when I had a question, most helpful. Smaller deposit requirem...
by Godot
Fri Aug 09, 2019 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account

Simple's site is just unadulterated pure trash. Still have not received a beneficiary form, which I was told I would get at the beginning of the week, and now they are calling the "Protected Goals" account a checking account, not a savings account. I don't get how it stays in business.
by Godot
Wed Aug 07, 2019 4:18 pm
Forum: Personal Investments
Topic: Vanguard asks for employer/income during account transition
Replies: 26
Views: 2450

Re: Vanguard asks for employer/income during account transition

Hi all, I've been getting prompted by Vanguard to transition my account to their new platform. I'm fine with this in principal, but during the transition they're asking for the name of my employer and current income. Anyone know if this is required by law? Or would this be for internal marketing pu...
by Godot
Wed Aug 07, 2019 4:17 pm
Forum: Personal Investments
Topic: Vanguard asks for employer/income during account transition
Replies: 26
Views: 2450

Re: Vanguard asks for employer/income during account transition

Hi all, I've been getting prompted by Vanguard to transition my account to their new platform. I'm fine with this in principal, but during the transition they're asking for the name of my employer and current income. Anyone know if this is required by law? Or would this be for internal marketing pu...
by Godot
Wed Aug 07, 2019 12:03 pm
Forum: Personal Investments
Topic: Would like a more aggressive AA, but wait until a bear?
Replies: 26
Views: 2134

Re: Would like a more aggressive AA, but wait until a bear?

Vanguard Fan 1367 wrote:
Wed Aug 07, 2019 10:45 am
After the 2008 crash I decided to "wait until a bear" myself. The bear never happened.

Huh? The S&P 500 lost 50% of its value between 2007-2009. This wasn't a bear market?
by Godot
Mon Aug 05, 2019 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I know this thread is mostly Marcus, but there were few responses for Simple. I completed my funding of the Protected Goals requirement today with Simple. Their website and process to link with Ally was simple :D and the CSR on the phone when I had a question, most helpful. Smaller deposit requirem...
by Godot
Mon Aug 05, 2019 1:50 pm
Forum: Personal Investments
Topic: Buy During This Dip?
Replies: 99
Views: 12705

Re: Buy During This Dip?

greg24 wrote:
Mon Aug 05, 2019 1:45 pm
Yes, there are people on the board who think buying on the dip is a good idea.

You should search the forum for Really Bad Day.
This is a dip??
by Godot
Fri Aug 02, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Complacency
Replies: 77
Views: 6199

Re: Boglehead Complacency

Lake Living wrote:
Fri Aug 02, 2019 2:44 pm
I Googled it:

A handle is the whole number part of a price quote. For example, if the price quote for the stock is $56.25, the handle is $56
Makes sense. So 80 handles X 56 = $4,480 = 3%. Very clear.
by Godot
Wed Jul 31, 2019 5:42 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3089

Re: Gifts to Bring when Traveling Overseas

I'd go with some local specialty food. The Dutch will be easier. I usually bring See's Candies to folks in Europe. Tell 'em it's a gift from Warren Buffett. I would not recommend bringing low quality chocolate to the Netherlands. I think See's Candies are delicious. Do you really think they're low ...
by Godot
Tue Jul 30, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 147
Views: 12719

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by Godot
Tue Jul 30, 2019 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax settlement: how to file claim?
Replies: 147
Views: 12719

Re: Equifax settlement: how to file claim?

$125 or free credit monitoring? What are people going to pick? I personally would pick the former - but I just couldn't click the button for it because there is a statement saying you are certifying you already have monitoring (I blame my Christian upbringing). Since the settlement isn't final yet ...
by Godot
Tue Jul 30, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 6126

Re: What's your Uber passenger rating?

(Note: To check your Uber passenger rating, open the app, tap the menu in the upper-left of the screen, and read the number just below your name.) My rating is 4.86 after using Uber several times per month for four years now. I don't think one's passenger rating really matters (as long as it's not ...
by Godot
Tue Jul 30, 2019 1:50 pm
Forum: Personal Consumer Issues
Topic: Please help with vacation locations
Replies: 45
Views: 2149

Re: Please help with vacation locations

DSInvestor wrote:
Tue Jul 30, 2019 1:12 pm
BogleMelon wrote:
Tue Jul 30, 2019 1:09 pm
Jack FFR1846 wrote:
Tue Jul 30, 2019 1:01 pm
Disney without kids? Why?
A friend sworn by it (he has kids, but insists it is a lot of fun for anyone, especially the shows)
Disney is not relaxing and offers little to no adventure. Expect high heat, high cost and big crowds and long lines.
Indeed. It is an anti-vacation.
by Godot
Mon Jul 29, 2019 2:55 pm
Forum: Personal Investments
Topic: Retire with Less Than $1 million?
Replies: 101
Views: 21106

Re: Retire with Less Than $1 million?

It all depends on your withdrawal rate (3-4%) and your annual expenses. A 3% withdrawal rate is conservative. It does look like you need to draw much 33k minus 30k ss How old are you? Do your anticipated retirement expenses (33k) include medical, state and local taxes? Will you have a pension? Have...
by Godot
Thu Jul 25, 2019 5:14 pm
Forum: Personal Consumer Issues
Topic: Be aware of Verizon!
Replies: 34
Views: 4387

Re: Be aware of Verizon!

Just to warn everyone from believing a promise made by a customer service representative over documentation that says otherwise. I have learned my lesson the hard way, and I don't want others to fall in the same trap. Especially if it is Verizon - I had Verizon Fios internet service for like 5 year...
by Godot
Thu Jul 25, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I know this thread is mostly Marcus, but there were few responses for Simple. I completed my funding of the Protected Goals requirement today with Simple. Their website and process to link with Ally was simple :D and the CSR on the phone when I had a question, most helpful. Smaller deposit requirem...
by Godot
Wed Jul 24, 2019 1:24 pm
Forum: Personal Investments
Topic: Have no problem managing my $5M portfolio - scared of my Dad's $120k
Replies: 45
Views: 3492

Re: Have no problem managing my $5M portfolio - scared of my Dad's $120k

Others may have mentioned this, but assuming I googled the correct info, Vanguard's target retirement funds have a lower expense ratio than Fidelity's: Fidelity is 0.65% while Vanguard's is 0.13%. That's a difference of 0.52%, or $624 a year, or $6240 over ten years. That's real money. Just make su...
by Godot
Wed Jul 24, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: If you are already retired.. is this true?
Replies: 49
Views: 6061

Re: If you are already retired.. is this true?

This article is a few months old, but curious if people who are already retired can vouch for this (or contradict). https://www.marketwatch.com/story/the-right-retirement-formula-is-based-on-the-value-of-your-home-2019-03-20 The gist of it is, your nest egg number should be: (home value * .3) / .04...
by Godot
Sun Jul 21, 2019 4:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Which is better, mutual funds or CDs?
Replies: 29
Views: 4020

Re: Larry Swedroe: Which is better, mutual funds or CDs?

Thanks for posting that article. I'm a long time lurker, but it's very timely for me as I'm considering moving 4/5ths of my fixed income allocation from total bond funds to an IRA money market yielding 3.05% APY, a 1 year IRA CD yielding 3.30% APY, 3 year IRA CD at 3.20% APY, and a 5 year IRA CD at...
by Godot
Fri Jul 19, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

Simple has $250 for 10k, but it might be too late Not too late. Simple Bank Up To $500 Bonus Offer What you’ll get: Up to $500 in bonus money Where it’s available: Nationwide How to earn it: Earn a $250 bonus for each new Individual or Shared Protected Goals Account. Maximum $500 bonus. Open a new ...
by Godot
Fri Jul 19, 2019 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I did Ally $1000 bonus earlier this year then got capital one $500 money market bonus then Marcus $100 bonus and now I am enrolled into this $500 bonus. I am also currently enrolled in etrade $250 and chase you invest $200 bonuses. These all are easy ways to make some profit by just moving around c...
by Godot
Fri Jul 19, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Simple Bank - Bonus for New Funds in Individual and Protected Goals Account
Replies: 43
Views: 978

Re: Marcus Bank 1% Bonus for New Funds up to $50k ($500 bonus)

I did Ally $1000 bonus earlier this year then got capital one $500 money market bonus then Marcus $100 bonus and now I am enrolled into this $500 bonus. I am also currently enrolled in etrade $250 and chase you invest $200 bonuses. These all are easy ways to make some profit by just moving around c...