Search found 97 matches

by cashboy
Tue Sep 17, 2019 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint finances when one is a perfectionist
Replies: 114
Views: 6875

Re: Managing joint finances when one is a perfectionist

based on my own decades of first and second hand experiences in situations like this, for the finance side, as a start: each partner has/retains their own checking accounts, credit cards, etc. (leaving it to each partner to take care of their responsibilities) but both partners contribute to a singl...
by cashboy
Tue Sep 17, 2019 6:52 pm
Forum: Investing - Theory, News & General
Topic: Spreadsheets
Replies: 68
Views: 4398

Re: Spreadsheets

i use 3 excel workbooks. (1) expenses several spreadsheets in that workbook - ex: by type (house, car) and in total (2) positions/assets/investments many spreadsheets in that workbook - ex: history, trending, daily changes in value, yearly expense ratios, charts, IPS, goals, etc (3) retirement plann...
by cashboy
Tue Sep 17, 2019 6:27 pm
Forum: Personal Consumer Issues
Topic: Noise
Replies: 31
Views: 2899

Re: Noise

most people want to be good neighbors. of course 'most' are not 'all' - there are some people who are bad neighbors that do not care what other people think. but, is possible in your case that the neighbor does not know how far the noise carries, so no harm in giving them the benefit of the doubt as...
by cashboy
Mon Sep 16, 2019 10:26 am
Forum: Investing - Theory, News & General
Topic: Bogleheads, how are your three fund portfolios doing?
Replies: 45
Views: 4526

Re: Bogleheads, how are your three fund portfolios doing?

they are doing fine! thanks for asking!
by cashboy
Sun Sep 15, 2019 6:48 pm
Forum: Personal Investments
Topic: Investment spreadsheet
Replies: 4
Views: 801

Re: Investment spreadsheet

just as a starting point, maybe something like this:

https://www.doughroller.net/investing/a ... readsheet/

google search: sample investment spreadsheet
by cashboy
Sun Sep 15, 2019 5:26 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 120
Views: 5720

Re: Do you trust Microsoft updating your Windows 7 machine?

i worked my entire career in IT; much of that in 'software support'. general rules of thumb: (1) for a software 'support window', you do not want to be first (you get it as soon as it comes out) or last (you don't migrate or you migrate right before support ends) when it comes to a 'version' of soft...
by cashboy
Sat Sep 14, 2019 2:18 pm
Forum: Personal Consumer Issues
Topic: Laptop for a child?
Replies: 19
Views: 1264

Re: Laptop for a child?

She will use this for watching YouTube with family members and for logging into her learning sites for academic subjects/games/lessons. Thank you given the requirements you provided, another vote for a chromebook - NOT a full blown windows laptop. my stepson has a chromebook provided by his school ...
by cashboy
Mon Sep 09, 2019 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 4898

Re: Help me out - What am I doing wrong - Job Hunt related

Thanks all lots of good advice here so far. And yes I realize the grass isn't always greener. When asked about why i'm looking for a new job I did indicate that there are certain aspects of my jobs that I like. But I also said that I'm looking to be challenged and I'm looking to go into a position ...
by cashboy
Mon Sep 09, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 4898

Re: Help me out - What am I doing wrong - Job Hunt related

OP

could it be appearance related?

how are you dressed on interviews? white shirt, dark suit, conservative tie, freshly polished black shoes?

how about grooming? hair (and beard?) neatly trimmed?

sounds superficial, i know.....
by cashboy
Mon Sep 09, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3417

Re: Going desktop-less?

a lot of good comments for and not-for migrating to a laptop. for most people a laptop is fine. i built my desktop and use it for computing intensive operations like data computing and high end video games. I have a laptop, but rarely use it. if you go to a laptop you might want to consider a cable ...
by cashboy
Mon Sep 09, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6008

Re: What, besides dishes, do you run through your dishwasher?

dog food and water bowls. also, i run it empty with just a large soup bowl filled with vinegar once a month to keep it clean. dishwasher comes out amazingly clean. :idea: Thanks for the idea. Now I have a use for my bottle of vinegar, other than reinfusing pepper sauce bottles. (1) I'm assuming the...
by cashboy
Mon Sep 09, 2019 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help me out - What am I doing wrong - Job Hunt related
Replies: 70
Views: 4898

Re: Help me out - What am I doing wrong - Job Hunt related

OP

how old are you?
could it be age related?
there is a lot of (hard to prove) age discrimination in megacorps.

what type of work do you do?

for example, being in the 50s (middle aged) and working in IT = hard to get a job.
by cashboy
Sun Sep 08, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6008

Re: What, besides dishes, do you run through your dishwasher?

dog food and water bowls.

also, i run it empty with just a large soup bowl filled with vinegar once a month to keep it clean. dishwasher comes out amazingly clean.
by cashboy
Fri Sep 06, 2019 3:43 pm
Forum: Personal Investments
Topic: Does a FA make sense at a certain portfolio level?
Replies: 53
Views: 4183

Re: Does a FA make sense at a certain portfolio level?

This has been great conversation and a healthy debate, and perfectly captures why I've been indecisive on it. I feel there is hidden value by managing TLH well, by making not structural changes but tweaks along the way, and in general having objectivity. I think I would be ok with a 3 fund approach...
by cashboy
Thu Sep 05, 2019 4:40 pm
Forum: Personal Investments
Topic: Does a FA make sense at a certain portfolio level?
Replies: 53
Views: 4183

Re: Does a FA make sense at a certain portfolio level?

if one is already investing in a BH way, then maybe no, since nothing really changes other than numbers. me, i sometimes daydream about what i would do with major lottery winnings. my plan? extend my BH 3 fund portfolio with the new money (and buy a new pair of shoes :wink: ). why? for the same reas...
by cashboy
Wed Sep 04, 2019 7:31 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 4862

Re: How do you let go of decisions that turned out to be the wrong ones?

How do you let go of decisions you made that turned out to be the wrong ones? my approach on how to let go for ANY 'wrong' decision is: do NOT try to let go of them. the harder I attempt to let it go, the greater its hold on me. instead, when the thought about the decision/choice/etc. arises i am h...
by cashboy
Wed Sep 04, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Pre-paid Funeral Expenses
Replies: 66
Views: 3735

Re: Pre-paid Funeral Expenses

i prepaid my father's funeral (using his funds acting under POA) when he was in a nursing home and weeks away from passing. under those circumstances it made things easier when he passed. otherwise not seeing a benefit.
by cashboy
Wed Sep 04, 2019 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Some Computer Science Career Advise?
Replies: 56
Views: 4638

Re: Some Computer Science Career Advise?

He said that they were planning on promoting me to staff this winter in the next round of promotions. i was in IT. that promise means nothing. it is a classic 'react mode move' on the part of sleazy or bumbling managers. they promise you something in the future (which they might not even be able to...
by cashboy
Wed Sep 04, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 4813

Re: Need to get a car in a hurry.

As an option for fixing, briefly searched online and can see a fuel tank for your car model can be had for $150-$200 online or from a auto parts store. Can do that and find an independent or mobile mechanic through craigslist or elsewhere. Am guessing this replacement can be done for $400-$500 max ...
by cashboy
Wed Sep 04, 2019 12:07 pm
Forum: Personal Investments
Topic: Small pension vs Roll Over to IRA
Replies: 4
Views: 328

Re: Small pension vs Roll Over to IRA

i had a similar situation: part of my non-COLA pension was annuity; part was cash. megacorp changed from annuitiy to cash while i worked there - so i was in both plans i could take only the annuity and then megacorp would use the cash to increase the annuity pension payment. or, i could rollover the...
by cashboy
Tue Sep 03, 2019 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Need to get a car in a hurry.
Replies: 48
Views: 4813

Re: Need to get a car in a hurry.

fwiw, i am for option '4' :D which is: determine the cause of the leak and see if it can be addressed without replacing the tank. long story short, i once had gas leaking from under one of my cars some years ago. i thought oh no! i will need a new gas tank! turned out all i needed was to replace 2 s...
by cashboy
Tue Sep 03, 2019 12:35 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12851

Re: Feeling Good.

It's with mixed emotion that I won't be returning here. Wish you all the best in your quest to educate folks in everything financial. an important thing i learned about investing from BH is to invest without 'emotion'. emotions can drive one to bad investment decisions. of course, that is not alway...
by cashboy
Mon Sep 02, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12851

Re: 3 fund people how are you feeling?

So for a 3 or 4 fund portfolio the phrase "positioning yourself" (as in "positioning yourself for a possible recession") means what? Does that phrase have much less meaning for a 3-4 funder than for those who are more active? If so why? for me, the 3 fund portfolio is 'part of' my IPS, and the IPS ...
by cashboy
Sun Sep 01, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: 3 fund people how are you feeling?
Replies: 112
Views: 12851

Re: 3 fund people how are you feeling?

i have a 3 fund portfolio and am feeling fine; thanks for asking! :D my feet were hurting a little today, but it might be the shoes...

AA is 50/50.

did a lot of research before deciding where I wanted to be, so not changing anything; staying the course.
by cashboy
Sun Sep 01, 2019 4:57 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 100006

Re: What frugal thing did you do today?

bought 12 bottles of wine to get the liquor store's '15% off case' discount.

:sharebeer
by cashboy
Sun Sep 01, 2019 11:32 am
Forum: Personal Consumer Issues
Topic: Did humanity ever make good Gas cans
Replies: 70
Views: 6044

Re: Did humanity ever make good Gas cans

i have 4 of these. excellent. these links are just an example (edit: added wavian website). https://www.jerrycan.com/shop/20-liter-red-steel-wavian-jerry-can/ https://wavianusa.com/products/steel-fuel-jerry-can shop around (search on: wavian gas can) and you can sometimes find them on sale. make sur...
by cashboy
Tue Aug 27, 2019 1:21 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 3869

Re: Mouse invasion!

i used this

https://www.amazon.com/gp/product/B00KH ... UTF8&psc=1\\

worked first day. i let the mouse out alive a mile away in some woods.
by cashboy
Tue Aug 27, 2019 1:13 pm
Forum: Personal Consumer Issues
Topic: Used Sports Car
Replies: 50
Views: 3110

Re: Used Sports Car

corvette

most have low miles and are well taken care of.
by cashboy
Tue Aug 27, 2019 11:24 am
Forum: Personal Investments
Topic: Protecting ourselves from sequence of returns risk
Replies: 69
Views: 4633

Re: Protecting ourselves from sequence of returns risk

I was also concerned with this issue as i began retirement last year (courtesy of megacorp job elimination). I found various approaches that tried to protect assets during the first decade of retirement from sequence of returns risk (as that had the biggest impact on a successful retirement). this i...
by cashboy
Sat Aug 24, 2019 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Agreeing to part ways at job
Replies: 59
Views: 6497

Re: Agreeing to part ways at job

i had a similar situation with a manager - hostile work environment, bad review, etc. - but it was in the megacorp non-union sector where there is little to no protection. the first time it happened i was threatened that action would be taken because of my 'behavior' at meetings. i was shocked. i as...
by cashboy
Sat Aug 24, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8072

Re: How to help an employee who is in debt and requesting a loan

i posted earlier but had an additional thought.


in a case like this i would (objectively) put myself in the other person's position (as me) and ask myself:

would I, in similar circumstances, ask my employer (not a friend or relative, but my employer) for a $4,000 loan?

my answer: no
by cashboy
Sat Aug 24, 2019 10:28 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8072

Re: How to help an employee who is in debt and requesting a loan

My first try at a response is: Dear Jane (Doe), I feel really bad the kids are starting school and you have no money to buy them anything. I want to help, but work/personal loans are not an option. The company will pay for you and your husband for Dave Ramsey course. You can work over time up to 10...
by cashboy
Fri Aug 23, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Manager is Interviewing Candidates (External) before Job is posted
Replies: 57
Views: 5645

Re: Manager is Interviewing Candidates (External) before Job is posted

life is not fair; business less so... :( do not take it personal. consider, your manager could post the job internally and externally and then only consider external candidates. having worked at several fortune 500 megacorps i have seen it all. :annoyed i agree with the other posters; approach your ...
by cashboy
Fri Aug 23, 2019 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8448

Re: Do you sacrifice to save?

many different answers to your question depending upon each person's circumstances. my approach was to 'consciously' spend what i needed to (or wanted to, within reason) and save the rest. as such, it was a variable % over time. this approach worked out well for me after 40 years of working. i did n...
by cashboy
Thu Aug 22, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!
Replies: 23
Views: 1250

Re: Have you ever used a Power of Attorney for Health Care or Property (Financial) ? Tell me about it!

my dad had a 'durable' poa document which named me as his agent for health and property. i showed it to banks, realtors, assisted living/ nursing homes etc. and then was 'immediately' able to act on my dad's behalf. they would make a copy of it. i sold his house, paid bills out of his bank accounts,...
by cashboy
Wed Aug 21, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody else enjoy sitting around and doing little in retirement?
Replies: 70
Views: 8110

Re: Anybody else enjoy sitting around and doing little in retirement?

I don't like to travel (DW likes to sometimes and does so with friends) and have little in the way of hobbies that consume any consequential effort or time . But I am happy. enjoy your happiness :sharebeer as time passes you might want to get involved in some things (like some of the ideas in this ...
by cashboy
Wed Aug 21, 2019 4:21 pm
Forum: Personal Investments
Topic: When Did You Ease Up On Saving Aggressively?
Replies: 170
Views: 13215

Re: When Did You Ease Up On Saving Aggressively?

Dear Friends, At what point do you let up on the aggressive savings gas pedal? When you are close to your number? After reaching? Never? never. but, that also depends upon what is meant by 'aggressive'. what i had extra was saved. at some points in my career that was a lot; at other points not so m...
by cashboy
Wed Aug 21, 2019 4:09 pm
Forum: Personal Investments
Topic: Pensions and planning
Replies: 18
Views: 1052

Re: Pensions and planning

here is what did, fwiw, during my 'savings years' i did NOT include pension as part of my savings % rate goal. to me, it was similar to Social Security - which i also did NOT include in my savings % rate goal. i considered 'saving' and 'future income streams' as two different things at that point in...
by cashboy
Sun Aug 18, 2019 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Go for new job (more pay but travel) or stay?
Replies: 65
Views: 3699

Re: Go for new job (more pay but travel) or stay?

that much travel will burn you out quickly; ask anyone who does it on a regular basis. once that happens it is hard to get your mojo back. time away from home and family will eat at you. ex: how would you feel if there was a major crisis at home and you are not there to help? ex: how would you feel ...
by cashboy
Sat Aug 17, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8379

Re: Taking a break in your 50s: Is it the kiss of death?

you have received some great advice; here is mine: forget about taking a year off and then trying to get another job like your old one back. it will be hard to get a new job in your 50s if you take a year off. though illegal, there is age discrimination AND anyone interviewing you (if you get that f...
by cashboy
Wed Aug 14, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"
Replies: 40
Views: 3827

Re: "Retirement Planning Is Complicated. Your Retirement Portfolio Shouldn't Be"

Taylor, thanks for posting this. After reading many of your posts on the subject, and many hours of my own research and validation, my retirement portfolio is now simple - I am BH 3 fund all the way. I find that another benefit of a simple BH 3 fund portfolio, in addition to how well it performs, is...
by cashboy
Wed Aug 14, 2019 2:16 pm
Forum: Personal Investments
Topic: Pre-Retirement Planning Questions/ NJ Resident
Replies: 10
Views: 954

Re: Pre-Retirement Planning Questions/ NJ Resident

it is smart to start thinking about this now 'before retirement' rather than 'at retirement'. i live in nj. for planning, not sure if you are aware of the tax changes regarding pensions and IRAs: https://www.state.nj.us/treasury/taxation/njit7.shtml unfortunately, if you have 1 penny of income over ...
by cashboy
Mon Aug 12, 2019 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: No pay increase but increase in responsibility
Replies: 110
Views: 8066

Re: No pay increase but increase in responsibility

if you are working 13-15 hours overtime then you have two jobs: a full time job at 40 hours and a part time job at 13-15 hours. now add 5-10 hours, on top of what you already have, for this new work. 40 + 15 + 10 = 65 hours straight time overtime, though better than nothing, is less than true overti...
by cashboy
Wed Aug 07, 2019 12:34 pm
Forum: Personal Investments
Topic: New Jersey taxes
Replies: 58
Views: 3161

Re: New Jersey taxes

i live in nj and am looking hard at pa. pa property taxes are about 50% (or less) of nj - depending upon where you look. but it is not just property taxes... pa income tax is also lower. i think 3% flat tax. people are friendly. i am recently retired (courtesy of megacorp job eliminations), so i am ...
by cashboy
Wed Aug 07, 2019 11:18 am
Forum: Personal Investments
Topic: thoughts on international funds
Replies: 67
Views: 4662

Re: thoughts on international funds

nisiprius wrote:
Wed Aug 07, 2019 7:25 am

It is crazy to expect a diversifier to do nothing but good. A diversifier is going to behave differently, not necessarily better, certainly not better all the time.
statements of such power and clarity.
by cashboy
Mon Aug 05, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Calibrating your Confidence and Why It Matters for Investing
Replies: 9
Views: 810

Re: Calibrating your Confidence and Why It Matters for Investing

PrettyCoolWorkshop wrote:
Mon Aug 05, 2019 9:03 am


Bogleheads, by diversifying, ascribe to a low-confidence strategy.
you have it backwards

:D
by cashboy
Mon Aug 05, 2019 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Financial anxiety and next steps in relationship
Replies: 102
Views: 7412

Re: Financial anxiety and next steps in relationship

I admittedly have a lot of concern about what our combined financial situation would look like after getting married. This future state (student loan debt, mortgage debt, childcare expenses), basically starting our new life together under a pile of debt, has me in quite a sense of paralyzed fear of...
by cashboy
Sat Aug 03, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Dept Outsourced - Job Worries - Need your Advises
Replies: 69
Views: 6791

Re: Dept Outsourced - Job Worries - Need your Advises

you might want to check out this list: https://zety.com/blog/best-job-search-sites register, if a site is free, and meets your needs, and create searches that send emails to you daily if there are hits on your search criteria. this way jobs come to you without you searching all the time (which can b...