Search found 47 matches

by WWJBDo
Tue Nov 12, 2019 9:50 am
Forum: Personal Investments
Topic: Buy pacific gas and electric?
Replies: 49
Views: 5241

Re: Buy pacific gas and electric?

This sounds so reminiscent of my experience using my son's college fund to buy Worldcom and make a quick profit, after it had dropped from $90 down to $10-12.

You guessed it, it went to zero.

As long as you understand $0 is a possibility for you too, then go for it. But have a 'Plan B'.
by WWJBDo
Mon Nov 11, 2019 12:24 am
Forum: Personal Consumer Issues
Topic: Tech guys need help with Mesh wifi booster...
Replies: 36
Views: 1494

Re: Tech guys need help with Mesh wifi booster...

You can, if you want, leave the original one in in place and just not use it. Make a new network name for for your new, mesh network and don't bother with the original one. Other things to consider- you might want in your install to include a password free guest wifi account so you don't have to sha...
by WWJBDo
Mon Nov 04, 2019 9:27 am
Forum: Personal Finance (Not Investing)
Topic: laddering life insurance
Replies: 22
Views: 1088

Re: laddering life insurance

If you believe that your investments can be condensed into 3 products, then your life insurance needs certainly can be fulfilled by 3 products as well. Don't over-complicate things. Each policy takes some non-zero amount of time and effort to maintain. I did essentially what you did, in a less optim...
by WWJBDo
Wed Oct 09, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Finance or Accounting Degree?
Replies: 81
Views: 5615

Re: Finance or Accounting Degree?

Advantages of accounting include the barrier to entry - there are requirements that are not easily or quickly added to another underegrad degree. To the extent that accountants will be needed, that is a plus. Accounting is also petty diverse- you can easily work for one of the 'Big 4', a medium shop...
by WWJBDo
Wed Oct 09, 2019 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Willingly going from lucrative job to unemployed?
Replies: 132
Views: 13870

Re: Willingly going from lucrative job to unemployed?

Door #2: Set a limit on your hours. Work 40.00 hours. At the end of 40 hours, don't come back until next week. Don't say you can't do that. I had to do that years ago to avoid being in my office running simulations at 9pm. I set a time and at 5:00, I got up and went home. And you know what? Nobody ...
by WWJBDo
Sun Oct 06, 2019 3:31 pm
Forum: Personal Consumer Issues
Topic: Would or should you tip AAA road assistance?
Replies: 67
Views: 4854

Re: Would or should you tip AAA road assistance?

We just had a dead battery at the house and needed to have it replaced. AAA was on a backlog so I added us to the AAA list and called a local battery delivery/installation service - they wanted $235. AAA came out an hour later, checked the alternator and the battery and replaced the battery for $125...
by WWJBDo
Sun Sep 22, 2019 9:12 am
Forum: Personal Consumer Issues
Topic: First car for child
Replies: 129
Views: 7987

Re: First car for child

We've always handed down our existing cars. The 2001 Avalon went to the kids when we bought a Lexus in 2007. That Avalon is still on the road and doing well. The Lexus went to our other child when we got the 2012 Genesis. We just exchanged the Genesis for the Avalon, while we look at new vehicles ag...
by WWJBDo
Thu Sep 12, 2019 1:01 am
Forum: Personal Consumer Issues
Topic: Need ideas for NY Upstate Getaway
Replies: 48
Views: 3156

Re: Need ideas for NY Upstate Getaway

Why not go to Pennsylvania? It's closer and less driving and if you haven't seen these places you might like: Stay at the Hilliard House Inn Council Cup overlook Hickory run boulder field Anthracite Heritage Museum Archbald Pothole State Park. If you have the time, go on up to Corning with other sta...
by WWJBDo
Sun Sep 08, 2019 9:58 pm
Forum: Personal Investments
Topic: need help with strategy to sort out parent's finances
Replies: 28
Views: 3572

Re: need help with strategy to sort out parent's finances

The first thing I would do is give them a copy of this book: https://smile.amazon.com/Beyond-Grave-Revised-Updated-Children/dp/0062336223/ because it sure sounds like they don't have a plan for after they are gone and at their ages they need a plan. Seriously, the book is filled with readable vignet...
by WWJBDo
Sun Sep 01, 2019 8:02 am
Forum: Personal Investments
Topic: Avoid grandson poverty
Replies: 76
Views: 9559

Re: Avoid grandson poverty

First, I think it's great that you are thinking about your grandson and ways to help him out. If the situation warrants, paying off his school loans is probably the best gift you can make to his future life. If that's already taken care of, the advice of giving a $10k check at graduation, stepping b...
by WWJBDo
Thu Aug 29, 2019 6:00 pm
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8597

Re: Coffee becomes cold too soon

PSA (Public Service Announcement): If you are using the microwave to reheat coffee, a Panasonic (and only Panasonic, they have a patent on the technology to reduce the power level- other manufacturers stay on full power and reduce the percentage of time the unit is on full power instead of reducing...
by WWJBDo
Thu Aug 29, 2019 8:40 am
Forum: Personal Consumer Issues
Topic: Coffee becomes cold too soon
Replies: 116
Views: 8597

Re: Coffee becomes cold too soon

I have 2 of the Mr. Coffee warmers and find them to be perfect, though if you are a coffee wanderer it's not a good option. PSA (Public Service Announcement): If you are using the microwave to reheat coffee, a Panasonic (and only Panasonic, they have a patent on the technology to reduce the power le...
by WWJBDo
Sat Jul 27, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Non-lethal alternatives to firearms to defend against home invasions in Florida
Replies: 113
Views: 6793

Re: Non-lethal alternatives to firearms to defend against home invasions in Florida

This is akin to being chased by a bear - you don't need to outrun the bear just your friend also being chased. In your case you don't need Fort Knox, just to send a thief to someone else's house. Assuming that you are not being targeted because of inside information, then the order of operations is ...
by WWJBDo
Fri Jul 05, 2019 9:01 am
Forum: Personal Investments
Topic: Best way to plan for $620K long term capital gains?
Replies: 18
Views: 2562

Re: Best way to plan for $620K long term capital gains?

If you don't already have one, now may be a good time to get an accountant. They probably cannot save you any money on taxes, but then again, maybe they can. I had a similar event a few years back. The first thing I did was write checks equal to the tax on that windfall to the IRS and the State inco...
by WWJBDo
Sat Jun 29, 2019 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Siblings and Inherited Property
Replies: 53
Views: 6760

Re: Siblings and Inherited Property

There is no tax advantage to buying out a sibling of inherited property, so that does not alter the price from the marketplace. If there is sentimental value to the house, then the value to the purchasing sibling is greater than the market price and they should be willing to pay a little more. If th...
by WWJBDo
Wed Jun 19, 2019 8:24 pm
Forum: Investing - Theory, News & General
Topic: Facebook Libra Cryptocurrency - effect on stocks or bonds?
Replies: 44
Views: 4773

Re: Facebook Libra Cryptocurrency - effect on stocks or bonds?

Cryptocurrencies are at risk of quantum computing making them hackable. Quantum computing is advancing rapidly and this is a risk, that will likely be met with more complicated techniques or basing the currencies on quantum computing. The energy needs to create every transaction are immense and ther...
by WWJBDo
Tue Jun 18, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 3385

Re: Cost of mini split installation? [Ductless Air Conditioning/ Heat]

We installed Mitsubishi in Nov, 2018- 5 wall units and 2 heat pumps for a total of $17k. Mitsubishi is generally regarded as the best mini split manufacturer. We received 4 quotes- they ranged widely and some higher ones were not 'Diamond installers' - the Mitsubishi moniker that grants an extra yea...
by WWJBDo
Sat Jun 15, 2019 11:15 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 46831

Re: What lifestyle creep made you happier?

TuneIn Radio Pro. Pro has no ads and I prefer it to Sirius.
Whole Foods fresh-squeezed OJ. Add a splash of unsweetened Cranberry = bliss.
Business class for international travel.
by WWJBDo
Thu Jun 06, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: Replacing AC, should we also replace furnace?
Replies: 21
Views: 1641

Re: Replacing AC, should we also replace furnace?

I will add another plug for the 2 stage AC unit. 2 stage systems off greater flexibility and when they run on the slow speed they are considerably quieter. The additional cost is minimal( online pricing can be found to give relative delta to upgrade to the 2 speed system), but you cannot upgrade onc...
by WWJBDo
Thu May 23, 2019 10:50 pm
Forum: Investing - Theory, News & General
Topic: Is the housing market starting to collapse?
Replies: 122
Views: 13281

Re: Is the housing market starting to collapse?

There is only one blog you need to read for housing. https://www.calculatedriskblog.com/ There is absolutely no sign of collapse. He's not a pollyanna -- he saw housing bubble. Prices are actually still a good bit below that peak in real terms. Most bloggers writing bad things about housing are pra...
by WWJBDo
Mon May 20, 2019 9:44 am
Forum: Personal Consumer Issues
Topic: When to buy a vacation home
Replies: 26
Views: 2766

Re: When to buy a vacation home

We had a summer place on a lake that was a 5 hour drive. Since my mom was a teacher, she and we kids spent most of the summer there and we *loved* it. Dad, on the other hand, had a long drive to bookend his 2 or 3 day weekends, with the time in between spent repairing and maintaining the place (with...
by WWJBDo
Fri May 17, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Selling home- Demanding Buyer (Repairs)
Replies: 486
Views: 49335

Re: Selling home- Demanding Buyer (Repairs)

Regarding the proposed addendum. Your original post indicated that the buyer is nitpicking and based on your point of view, somewhat difficult to work with. Now you are suggesting an extended business relationship lasting months while you work out payments for a septic system- in which the two of yo...
by WWJBDo
Sun May 12, 2019 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited ranch
Replies: 97
Views: 8479

Re: Inherited ranch

Absolutely do not lend the money. It's far far better to give a gift and be pleasantly surprised if they return it than to ruin a family connection or friendship with a loan gone bad. Givne that they own 25%, it should be pretty straightforward to get a loan from a bank. If they cannot find a bank, ...
by WWJBDo
Thu May 09, 2019 10:12 am
Forum: Investing - Theory, News & General
Topic: Stocks really "Chernobyl" risky for people near/in retirement?
Replies: 23
Views: 3055

Re: Stocks really "Chernobyl" risky for people near/in retirement?

This podcast is from August, 2016.
VTSAX at that time was $54.
VTSAX is now $71.
I’m thinking if you had listened to him back then and sold all your stocks you might be kicking yourself now.
Or, stocks are now ‘asteroid impact’ risky.

You decide.
by WWJBDo
Wed May 08, 2019 12:02 pm
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3864

Re: windfall management

"It doesn't matter because you're living below your considerable means, but, if you really want to trim expenses, you need a better budget. Are you including your investments from your paycheck in your expense accounting?" -you are absolutely correct. I am doing math after the fact, not prospective...
by WWJBDo
Wed May 08, 2019 3:38 am
Forum: Personal Investments
Topic: windfall management
Replies: 38
Views: 3864

Re: windfall management

First off, congrats for the sale. Many times the young physicians don’t participate in buyouts like that, so good on you and/or your group. Having had a similar but smaller event a short while back, I found it too hard to take the windfall and put it into a 30/30/40 split of cash, bonds and stocks a...
by WWJBDo
Wed Apr 24, 2019 8:17 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4395

Re: Wifi extenders vs Mesh network

Mesh for sure. Mesh does a much better job of ‘handing off’ if you move around in the home. I went with Ubiquiti AMPLIFI as well. They make high end corporate mesh networks. I ended up installing 3 routers- a base unit and Ethernet to each end of the house for the other two instead of the package of...
by WWJBDo
Wed Apr 24, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: What, if anything, do I owe this guy?
Replies: 82
Views: 8597

Re: What, if anything, do I owe this guy?

I’m a little late to the party, but I learned this phrase, which is pretty rock solid and hard for a sales guy to rebut:

“Circumstances have changed, and I’m not at liberty to explain why.”

State and repeat.
by WWJBDo
Fri Apr 19, 2019 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house without a realtor
Replies: 49
Views: 4921

Re: Buying a house without a realtor

Many factors inform the correct decision: What state are you in? California is one of the most buyer-friendly in terms of state laws. Does Redfin cover your area? they charge 1% and are aggressive about closing contracts. You can use the selling agent if you like, especially where strong protections...
by WWJBDo
Mon Apr 15, 2019 9:25 am
Forum: Personal Consumer Issues
Topic: Reading Glasses With Bluelight Filter
Replies: 7
Views: 572

Re: Reading Glasses With Bluelight Filter

I have separate computer and reading glasses. The computer glasses are simply less strong because they work for a longer focal length (in my case, readers = +1.50 and computer glasses = +0.75). Flexies are an inexpensive, color coded choice for me (lots of color options). https://www.speert.com/cala...
by WWJBDo
Sun Apr 07, 2019 2:39 pm
Forum: Personal Consumer Issues
Topic: Mini split AC - thoughts?
Replies: 23
Views: 1998

Re: Mini split AC - thoughts?

We installed 5 FH09NA indoor units with 2 outdoor units in December. I've only run them for testing (the AC) so far but noise is not an issue at all for heating. I would recommend you consider the new version of the remote, PAR-FL32MA-E Wireless Remote. These new remotes involve placing a wireless c...
by WWJBDo
Fri Apr 05, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)
Replies: 77
Views: 4459

Re: Follow-up on college engineering thread (computational v CS v Berkeley IEOR)

Our 2 boys looked at many of the schools you discuss and recently finished in BioE at Berkeley (UCB) while I live in San Diego. That's my bias. Most importantly, involve your kids in the decision making and don't leave out the financial aspect of things. For example, we reviewed the cost of private ...
by WWJBDo
Mon Apr 01, 2019 4:19 pm
Forum: Personal Consumer Issues
Topic: Best enhancement for folks who work from home
Replies: 42
Views: 4482

Re: Best enhancement for folks who work from home

1. Replace those chair casters with in;one skate wheels. https://www.amazon.com/Office-Chair-Caster-Wheels-Set/dp/B01CTIG4GE 2. Single room heat/cooling. https://www.mitsubishicomfort.com/articles/ductless/tackle-single-room-challenges-with-a-ductless-mini-split-system 3. Mr. Coffee mug hot plate. (...
by WWJBDo
Thu Mar 28, 2019 7:51 am
Forum: Personal Consumer Issues
Topic: alaska cruise
Replies: 14
Views: 2157

Re: alaska cruise

Have done 2 of those cruises. Book yourself, rather than through the ship- prices are a lot lower. No particular order of very positive events: http://www.islandwings.com/ http://www.56degreesnorth.com/ http://www.coastalhelicopters.com/ Zip line - forget where, but it was very good. We did a bear w...
by WWJBDo
Thu Feb 21, 2019 12:09 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4790
Views: 1244400

Re: What Movie Have You Recently Watched?

Just returned from the AAAS meeting and they had recent science movies showing.
I downloaded from Netflix:
AlphaGo (2017) and
The Farthest (2017, about Voyager spacecraft) and they were both terrific.
by WWJBDo
Tue Jan 29, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: 12 Person Family Getaway: Keys, Bahamas, Hawaii?
Replies: 11
Views: 844

Re: 12 Person Family Getaway: Keys, Bahamas, Hawaii?

An alternative consideration is an Alaska Cruise out of Seattle or Vancouver. This hands down our best multigenerational trip- everyone gets together for dinner and you have time on your own, individuals can elect or skip port excursions and accommodations are handled. We liked it so much we did it ...
by WWJBDo
Wed Jan 09, 2019 12:38 am
Forum: Personal Consumer Issues
Topic: master suite features for addition
Replies: 66
Views: 3800

Re: master suite features for addition

Our master bath has a shower 44" x 88" and it's too big. A space that large doesn't warm up when it's cool in the bathroom. Being in SoCal, we usually use the outdoor shower (love it!) unless it's cold and windy. If I can't go outside and it's cold in the house, I find excuses to use the other showe...
by WWJBDo
Thu Jan 03, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Noise cancelling headphones for plane trips, advice?
Replies: 62
Views: 3429

Re: Noise cancelling headphones for plane trips, advice?

I tried it as a lark, but I have become a convert to ' Double Bose ', using both the wired in ear Bose noise canceling earbuds, surrounded by wireless Bose earphones. I leave the headphones unconnected to bluetooth so they are noise canceling only, and I use the noise canceling on the earbuds. If yo...
by WWJBDo
Tue Dec 18, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Physician Loan and Buy vs Rent (already searched forums)
Replies: 33
Views: 2182

Re: Physician Loan and Buy vs Rent (already searched forums)

Random thoughts: That's a fair amount of debt you already have. Past salary performance is no guarantee of future results. Factors that might compel you to buy early or now: - Housing in your area is cheap by historical standards (not true in many parts of the country) - You are in California and yo...
by WWJBDo
Mon Dec 17, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: How much do you pay for cable/internet/cellphone
Replies: 95
Views: 6472

Re: How much do you pay for cable/internet/cellphone

Oh, boy.
Cable/Top speed internet (Spectrum): $185
LandLine (Wife wants it) (ATT): $67
Wireless- 8 devices (parents, kids and us) unlimited (ATT): $375
Hulu: 10
Netflix: 8
TuneIn Radio: 8
YouTubePremium: $12

Total is $665/ month or $7,980 a year. Not retired and some is deductible. But still.
by WWJBDo
Sun Dec 09, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: Spotify or Amazon Music?
Replies: 44
Views: 3540

Re: Spotify or Amazon Music?

I find I use TuneIn Radio much more than Spotify, but I have both. TuneIn Premium allows commercial free radio, audio news (MSNBC, Bloomberg, Fox) but I use it to listen to favorite radio stations (KSBR, MVY Radio, French Jazz and Lounge, etc). Streaming never goes beyond my monthly limits so there'...
by WWJBDo
Thu Nov 15, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: Granddaughter needs $ help for university
Replies: 111
Views: 10555

Re: Granddaughter needs $ help for university

Wow, a lot of suggestions and many open questions so far, to which I will add my questions and comments. -$65k is a pretty typical private college cost. $50k in grants is fantastic. It's a good deal if it is Oberlin or another well-regarded school. However, there are a *lot* of 2nd or 3rd tier chris...
by WWJBDo
Wed Nov 14, 2018 12:34 am
Forum: Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 114
Views: 15320

Re: Are We In A Real Estate Bubble?

My 'go to' real estate site is Calculated Risk,
https://www.calculatedriskblog.com/ .

It's a very Bogle-y type site - data driven - for econ in general and housing in particular.
by WWJBDo
Mon Oct 15, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: What the heck is growing in my yard?
Replies: 71
Views: 6538

Re: What the heck is growing in my yard?

Ask Here. You will get an answer...

https://www.reddit.com/r/whatsthisplant/
by WWJBDo
Tue Sep 25, 2018 9:00 am
Forum: Personal Consumer Issues
Topic: Is there any point to keeping old X-rays?
Replies: 8
Views: 791

Re: Is there any point to keeping old X-rays?

You can take a photo of it with your camera so you have something . Tape the film in front of a computer monitor already set to a blank white page ( http://www.1rad.com/BlankWhitePage.html ) and use your camera. Take a picture and record the date of the x-ray. The quality won't be anywhere near the ...
by WWJBDo
Thu Sep 20, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Don't trust Tripadvisor reviews
Replies: 64
Views: 7359

Re: Don't trust Tripadvisor reviews

I use Tripadvisor a lot to choose lodging for a motorcycle trips. Faked reviewers usually have a small number of reviews and are located locally. I trust far more, reviewers who have more than 30 reviews under their belt and if a review seems too good, I check their other reviews to make sure they a...