Search found 570 matches

by cashboy
Sun Sep 27, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: looking for Broadcast Spreader recommendations
Replies: 0
Views: 103

looking for Broadcast Spreader recommendations

I use a tow behind broadcast spreader to fertilize. (attached to a garden tractor) The one I have now I bought many years ago (agri-fab); it is time for a new one (old one is held together with zip ties and duct tape (lol). I have recently done a lot of searches cross the internet on a replacement a...
by cashboy
Fri Sep 18, 2020 7:04 pm
Forum: Personal Consumer Issues
Topic: Ring for a new girlfriend
Replies: 83
Views: 5941

Re: Ring for a new girlfriend

bracelet is a good way to go at this point in your relationship.

something like this:

https://www.bluenile.com/sterling-silve ... acelet_723
by cashboy
Fri Sep 18, 2020 3:52 pm
Forum: Personal Investments
Topic: Decision time...to lump sum or not to lump sum
Replies: 24
Views: 2195

Re: Decision time...to lump sum or not to lump sum

many threads on this subject (and i mean that in a nice way). some things to consider: if your pension is not COLA then it loses value over time depending upon inflation rates; your pension has no chance for growth. if your pension is lump sum and invested it has the 'chance' to grow. of course no o...
by cashboy
Fri Sep 18, 2020 3:42 pm
Forum: Personal Investments
Topic: Guidance for breaking the news to our financial advisor
Replies: 60
Views: 5019

Re: Guidance for breaking the news to our financial advisor

So, here are my questions: 1) Is it bad form to break the news at our annual review where his staff will be present? Or, is there a compelling reason to reach out to him sooner? I would reach out to them sooner than the meeting and tell them what you posted: we value the guidance he's provided over...
by cashboy
Mon Sep 14, 2020 7:10 pm
Forum: Personal Consumer Issues
Topic: Coping with Megacorp rat race
Replies: 168
Views: 16086

Re: Coping with Megacorp rat race

Frugalbear wrote: Mon Sep 14, 2020 9:23 am
How did or do you cope with it?
always remember that
'you'
are not
'your job'.

in your mind always maintain a 'space' between the two.
by cashboy
Sun Sep 06, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Leaving your job: quitting for good vs sabbatical leave
Replies: 46
Views: 3652

Re: Leaving your job: quitting for good vs sabbatical leave

At the same time I feel weird sometimes talking to people about this, because my job was pretty hard to get and is generally considered quite good and prestigious (even though it doesn't pay much actually) and people don't understand why I should leave. So I have doubts and fear doing something stu...
by cashboy
Sat Sep 05, 2020 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?
Replies: 65
Views: 5992

Re: Declined 2 opportunities for advancement. Should I be trying to climb the corporate ladder or is being content okay?

I've reached the ceiling of my current role but it still gives me the right amount of challenge with very little stress. I worked in IT for 40 years. Beware of this above (reaching the ceiling of your current role) as the time will come (if it has not come already) that you are viewed as being over...
by cashboy
Sat Sep 05, 2020 11:23 am
Forum: Investing - Theory, News & General
Topic: Assessing your investment behavior during the pandemic
Replies: 35
Views: 2205

Re: Assessing your investment behavior during the pandemic

What I did right 1. Reviewed, but did not change, my IPS 2. Stayed the Course by adhering to my IPS 3. Stuck with my AA per my IPS (almost breached rebalance bands, but did not) 4. made myself a cup of coffee What I did wrong nothing (for me) TBD make myself another cup of coffee :wink:
by cashboy
Fri Sep 04, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Does dishwasher need to be replaced?
Replies: 16
Views: 1169

Re: Does dishwasher need to be replaced?

i just went through this exercise with my clothes dryer; 10+ years old. most appliance repair places will charge just to come to your house (understandable) and then it goes up from there for parts - plus you may have to go without the machine for a while if the parts required are not readily availa...
by cashboy
Fri Sep 04, 2020 2:19 pm
Forum: Personal Investments
Topic: Father has 300k+ as a 68 year old. What investing strategy would you advise?
Replies: 33
Views: 4469

Re: Father has 300k+ as a 68 year old. What investing strategy would you advise?

for your consideration: use a variation of the three-fund portfolio described here at BH. https://www.bogleheads.org/wiki/Three-fund_portfolio (1) SP500 or Total Stock Market fund (2) an International fund (3) instead of a Bond fund, use a Shariah compliant Bank for cash deposit (based in USA) deter...
by cashboy
Fri Sep 04, 2020 12:34 pm
Forum: Personal Investments
Topic: Bond anxiety
Replies: 53
Views: 5152

Re: Bond anxiety

I am 69 years old and refuse to invest in bonds. I know the logic is when the market crashes, the bonds will level out your returns so you are not tempted to make any hasty decisions and weather the storm. However, my logic is even when the market crashes it usually comes back stronger and the tota...
by cashboy
Wed Sep 02, 2020 3:38 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29720

Re: Bear Cub Smells Bubble

000 wrote: Wed Sep 02, 2020 3:26 pm
cashboy wrote: Wed Sep 02, 2020 3:10 pm what do bubbles smell like?
chicken?
Like a stampede of bulls running towards a cliff on a hot summer day.
hmmm...

not very appealing then :wink:
by cashboy
Wed Sep 02, 2020 3:10 pm
Forum: Investing - Theory, News & General
Topic: Bear Cub Smells Bubble
Replies: 406
Views: 29720

Re: Bear Cub Smells Bubble

what do bubbles smell like?
chicken?
by cashboy
Wed Sep 02, 2020 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: About to lose my job - How do I prepare
Replies: 18
Views: 5085

Re: About to lose my job - How do I prepare

some great advice given. here is mine: ensure that you work as hard as you always have right up to the last day. maintain your friendly and professional demeanor (though that can be challenging at times) right up to the last moment of your last work day. be the employee that they will have regretted...
by cashboy
Wed Sep 02, 2020 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: When to focus on increasing income?
Replies: 41
Views: 2450

Re: When to focus on increasing income?

school now, not later.

BUT, consider working towards a degree that gets you a job in a better paying profession than the salaries you mentioned.

good luck!
by cashboy
Wed Sep 02, 2020 10:59 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle's Simple Advice for Investors"
Replies: 60
Views: 6287

Re: "Jack Bogle's Simple Advice for Investors"

Taylor,

Thanks for posting things like this that help keep Mr Bogle's legacy alive.
by cashboy
Wed Sep 02, 2020 10:56 am
Forum: Personal Investments
Topic: What is your game plan as market is reaching its previous all time high?
Replies: 174
Views: 19121

Re: What is your game plan as market is reaching its previous all time high?

adhere to my IPS as far as AA.

Stay the course,

and enjoy the ride. :wink:
by cashboy
Mon Aug 31, 2020 2:54 pm
Forum: Personal Consumer Issues
Topic: Recommendations for wheat beer
Replies: 43
Views: 2750

Re: Recommendations for wheat beer

i know you asked for brands, but i thought i would mention one approach worth considering (if you have not done so already) - and that is home brew. like this (not a recommendation of these vendors; just examples): https://www.homebrewing.org/How-to-Make-Wheat-Beer_ep_36-1.html https://www.northernb...
by cashboy
Mon Aug 31, 2020 10:16 am
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 991

Re: Rebalancing

cashboy: Holding your Three-Fund Portfolio and Staying-the Course certainly worked well for you. Nevertheless, I might point out that had you rebalanced in March you would be wealthier today. Personally, I rebalance when one of my funds deviates 10% or more from its asset-allocation. Best wishes Ta...
by cashboy
Mon Aug 31, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 991

Re: Staying the Course and Doing Nothing 50/50 AA chart

my bands are 40/60 60/40. came close that one day.
by cashboy
Sun Aug 30, 2020 2:43 pm
Forum: Investing - Theory, News & General
Topic: Staying the Course and Doing Nothing 50/50 AA chart
Replies: 4
Views: 991

Staying the Course and Doing Nothing 50/50 AA chart

Sharing a chart of my portfolio AA over time (the last 6 months or so). It provides an example of how staying the course and doing nothing can/might be beneficial (at least to some degree). I have a Three-Fund portfolio. 50/50 AA. Adhering to my IPS, my portfolio AA did not meet conditions for a reb...
by cashboy
Sun Aug 30, 2020 1:43 pm
Forum: Personal Investments
Topic: Help me break my addiction to watching the Market / Worrying
Replies: 52
Views: 3647

Re: Help me break my addiction to watching the Market / Worrying

i read and watch everything I can. the trick is to only watch and read it - but not act on it. it becomes easier as time goes by and you see all of the 'noise' for what it is - 'noise'. look at the last six months. big drop. by staying the course i am back where i started (more or less). if you do n...
by cashboy
Sun Aug 23, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: how often do you check your net worth?
Replies: 153
Views: 9633

Re: how often do you check your net worth?

I have seen 'net worth' described two ways: (1) the value of an investment portfolio or (2) the value of an investment portfolio AND the value of other assets (house after real estate commission, cars, coin collection, etc.) FWIW I look at net worth as (2) and only check it when i am updating my exp...
by cashboy
Sun Aug 23, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Are emergency funds for suckers?
Replies: 202
Views: 15743

Re: Are emergency funds for suckers?

there are several threads on this subject, or variations of it, here at BH. as one sees in this thread, there are different perspectives on the subject. what i find interesting is that even though some of the perspectives are different they all are true in certain circumstances. so, it depends on th...
by cashboy
Sat Aug 22, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: When should one share financials with their children?
Replies: 205
Views: 13147

Re: When should one share financials with their children?

i see two aspects to your question: (1) dollar amount: i would suggest simply stating that you can take care of yourself and your wife financially for the rest of your lives and that your children do not have to worry about that. dollar figures are not required to make such a statement. this allows ...
by cashboy
Sat Aug 22, 2020 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Stage 4 Cancer and Young Family
Replies: 105
Views: 14697

Re: Stage 4 Cancer and Young Family

one thing to consider planning for is funeral arrangements. costs, location, etc. it might make it easier for your wife when the time comes if it is all set out ahead of time. though things don't look great right now, 'it ain't over til its over'. you never know how things will turn out. i am not tr...
by cashboy
Sat Aug 22, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Best way to inherit a house
Replies: 19
Views: 2098

Re: Best way to inherit a house

long story short, an old farmer by me had a similar challenge many years ago. he decided to sell the farm for $1 to the beneficiary while still alive. he lived on the farm until he passed. Selling an asset far below market to a family member could cause an "issue" WRT to whether the price differenc...
by cashboy
Fri Aug 21, 2020 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to inherit a house
Replies: 19
Views: 2098

Re: Best way to inherit a house

long story short, an old farmer by me had a similar challenge many years ago. he decided to sell the farm for $1 to the beneficiary while still alive. he lived on the farm until he passed.
by cashboy
Fri Aug 21, 2020 1:04 pm
Forum: Personal Consumer Issues
Topic: move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?
Replies: 45
Views: 3247

move from Microsoft Office to Libre Office - any advantages or disadvantages for those that have done so?

Note: this is not a thread about whether or not one should use MS 365, or continue to use 'soon to be unsupported' versions of MS Office (ex: MS Office 2010). I have read all i can on the subject of switching from MS Office to Libre Office - here on BH and elsewhere. I have looked at it myself. So, ...
by cashboy
Fri Aug 21, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5756

Re: Huge escalations in cost of homeowners insurance

perhaps you might want to open a new thread about what people need to know about insurance. with each post you sound more like an insurance salesman/agent for a high value company than a forum member trying to help the OP deal with his thread and issue of: Huge escalations in cost of homeowners ins...
by cashboy
Fri Aug 21, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5756

Re: Huge escalations in cost of homeowners insurance

Those high value policies are expensive because they include coverage that is not standard for the other carriers. At least some of these feature can be added piecemeal to a standard policy but it can be tough to figure out all the gaps and plug them. If you succeed in reproducing the high value co...
by cashboy
Thu Aug 20, 2020 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5756

Re: Huge escalations in cost of homeowners insurance

i don't want to hijack the thread comparing insurers, i only mentioned amica since they come highly rated and write a great policy. just another option for the OP to consider. private company; no shareholders; no agents. https://www.amica.com/en/about-us/awards-and-recognition.html just to be clear,...
by cashboy
Thu Aug 20, 2020 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5756

Re: Huge escalations in cost of homeowners insurance

chubb has not been the same same they were bought out by 'ace' in 2016 but kept the chubb name. Just like every other insurance company, Chubb has its pros and cons, but I don't know what you are saying here. Ace as a company was, for the most part, a company built on acquisitions of companies (or ...
by cashboy
Wed Aug 19, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Chubb vs Travelers
Replies: 11
Views: 1124

Re: Chubb vs Travelers

I know you asked about travelers, but if you are coming from Chubb you might want to look at Amica. i have my insurance with them. No Agents to deal with; you deal directly with the company. No shareholders - so the customer is the top priority (not stock price). They write a good policy. https://ww...
by cashboy
Tue Aug 18, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Huge escalations in cost of homeowners insurance
Replies: 57
Views: 5756

Re: Huge escalations in cost of homeowners insurance

try amica. no need for an agent.

chubb has not been the same same they were bought out by 'ace' in 2016 but kept the chubb name.
by cashboy
Tue Aug 18, 2020 7:33 pm
Forum: Personal Investments
Topic: How much did you save?
Replies: 102
Views: 13811

Re: How much did you save?

it changed over time. from what i can remember: in my 20s, enough to get the company 401k match (4%). so that got me 8% total. in my 30s, maybe 1.5 times the match (6%) as i concentrated on paying down debt. so that got me 10% total. in my 40s, twice the match (8%) while i continued paying down debt...
by cashboy
Sun Aug 16, 2020 5:35 pm
Forum: Personal Consumer Issues
Topic: Where to find a quality, lower cost muscle car
Replies: 92
Views: 5700

Re: Where to find a quality, lower cost muscle car

look for a used corvette that fits in your price range.

most vettes are treated with TLC. guess how i know that. :wink:
by cashboy
Sun Aug 16, 2020 5:19 pm
Forum: Personal Investments
Topic: Contrafund vs SP Index Fund
Replies: 19
Views: 2378

Re: Contrafund vs SP Index Fund

same. had it for a long time. traded it for FXAIX SP500 back in 2018. no regrets. not a 'bad' fund, but where i am in life (retired) i felt it was time to move on. i was concerned about 'fund manager' risk (what happens when William Danoff leaves it), ER costs (gets close to 1%), and choice of inves...
by cashboy
Sun Aug 16, 2020 4:47 pm
Forum: Personal Investments
Topic: Help newbie
Replies: 8
Views: 480

Re: Help newbie

Hi all, what a great site!! Need some guidance as I’m somewhat new to all this, I’m 34 and single with no kids, make 60k a year... Emergency fund: 20k Debt: no debt, rent $1000 a month State: NV, not sure tax bracket :confused 401k: $78,000 in S&P 500 (.23) only good cheap fund in my 401k Roth IRA:...
by cashboy
Sun Aug 16, 2020 4:41 pm
Forum: Personal Investments
Topic: Talk me out of Covid 19 timing
Replies: 119
Views: 8076

Re: Talk me out of Covid 19 timing

there should be an '800 number' to call for this. :wink:

stay the course.
by cashboy
Thu Aug 13, 2020 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Spending
Replies: 79
Views: 8197

Re: Struggling with Spending

So 2 questions: 1. Have you or do you go through this? 2. If so, how do you combat it? 1. yes, to some degree, but not all the time (I think many people do, at times) 2. i do not combat it. if i really needed/wanted it I would not have to fight myself over it. some great points made in this thread.
by cashboy
Thu Aug 13, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you
Replies: 10
Views: 1723

Re: Thank you

:sharebeer
by cashboy
Tue Aug 11, 2020 7:15 pm
Forum: Personal Consumer Issues
Topic: SOLVED was: Ideas for hard-to-find OTC supplement?
Replies: 11
Views: 827

Re: Ideas for hard-to-find OTC supplement?

looking in stores to find a particular supplement in a particular dosage per pill on the shelf produced by a 'name brand' can be quite challenging.... guess how i know :happy i use amazon for things i cannot find local (like at Costco). i also look for them to be USP verified, though most are not. h...
by cashboy
Tue Aug 11, 2020 6:52 pm
Forum: Personal Investments
Topic: Portfolio Advice - from robo to self managed
Replies: 3
Views: 458

Re: Portfolio Advice - from robo to self managed

there are many who like, and 'consolidate' to, the 'three fund portfolio'. read the first post of this thread below to see what you think. easy to manage and adjust AA %s as you age or your situation changes. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 and this https://www.bogleheads...
by cashboy
Tue Aug 11, 2020 11:26 am
Forum: Personal Investments
Topic: 3 fund portfolio - Bond indexes bad in this environment?
Replies: 30
Views: 2316

Re: 3 fund portfolio - Bond indexes bad in this environment?

there is no escaping 'risk' - in general or with investing; one can only hope to minimize it.

i have this for bonds:

https://fundresearch.fidelity.com/mutua ... /316146356

i am not changing anything.
by cashboy
Tue Aug 11, 2020 11:14 am
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11406

Re: Moving to Cash?

'do' what allows 'you' to sleep well at night. If you are not comfortable with where you are with your AA then change it (and i mean that in a nice way). me, i have been, and will be, staying the course. For example, March was brutal (and in some ways terrifying at times) , but i stayed the course a...