Search found 2590 matches

by texasdiver
Mon Sep 24, 2018 6:08 pm
Forum: Personal Consumer Issues
Topic: Acoustic Pianos
Replies: 22
Views: 719

Re: Acoustic Pianos

Amateur pianist here and parent of 3 kids who have taken many years of lessons over the years. My advice? Buy a decent digital piano as a starter piano. Something mid-range from Kawai or Yamaha like one of these in the $3k range: http://kawaius.com/product/ca58/ Then after a couple of years if you a...
by texasdiver
Mon Sep 24, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 22
Views: 1018

Re: Seattle and (Victoria OR Vancouver) next week.

There is no place in the Pacific Northwest that is 100% flat. You have to go to Dallas or Houston to find that. But my own perception is that Vancouver is quite a bit more flat than Seattle, at least in terms of the tourist areas in which you'd be walking around. The downtown area is reasonably flat...
by texasdiver
Sun Sep 23, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Seattle and (Victoria OR Vancouver) next week.
Replies: 22
Views: 1018

Re: Seattle and (Victoria OR Vancouver) next week.

I’d stay at Silver Cloud Inn Lake Union in Seattle. Free underground parking, a hotel shuttle on demand to 3 spots downtown Seattle or use the light rail right in front of the hotel. Great restaurants within a block. White Swan Public House is practically across the street, excellent and reasonably...
by texasdiver
Sun Sep 23, 2018 10:40 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 4900

Re: Any Cyclists With a Brooks Saddle?

FYI, there are now several other modern saddle makers operating in the Brooks "space" of full leather saddles: Gilles Berthold, a famous small French pannier and handlebar bag manufacturer is now doing full leather saddles: http://www.gillesberthoud.fr/_en/selles/index.php which can be found at var...
by texasdiver
Fri Sep 21, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: Painting kitchen cabinet
Replies: 23
Views: 1282

Re: Painting kitchen cabinet

In my last house I refinished the cabinet doors myself. During my younger years I spent a couple years in college working as a professional painter so I pretty much knew what I was doing. I bought a Wagner HVLP sprayer, pulled all the doors and handles off, sanded them and sprayed them with 3 coats ...
by texasdiver
Thu Sep 20, 2018 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to Dallas, how to establish residency
Replies: 47
Views: 2759

Re: Moving to Dallas, how to establish residency

For ref, I am excited about becoming a TX resident as I won't have to pay state or local taxes. That will mean 6% less tax which is an increase of $41k take home. My wife already has plans for that. Don't get too excited unless you've already done the math on property taxes for your eventual home p...
by texasdiver
Thu Sep 20, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: MySocialSecurity and credit freeze block annoyance
Replies: 5
Views: 528

MySocialSecurity and credit freeze block annoyance

Since we don't get the paper social security statements anymore my wife was going to obtain a mySocialSecurity online account so that she could view her earnings statements online and just verify that all was in order. During the process of registering for a new account she came to a screen saying "...
by texasdiver
Wed Sep 19, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 1880

Re: Other investment opportunities besides the stock market

I invested in rental houses, mortgages, stocks and bonds and a few other things along the way. With the advantage of hindsight, I could have done just as well, maybe even better, if I had just put everything in the S&P 500 index fund back in 1975, and saved myself a lot of time and effort. Of cours...
by texasdiver
Wed Sep 19, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: Other investment opportunities besides the stock market
Replies: 25
Views: 1880

Re: Other investment opportunities besides the stock market

If their books were that good they wouldn't need you for capital. They could get it from their local bank.
by texasdiver
Tue Sep 18, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 218
Views: 14549

Re: What is your single most expensive mistake?

Buying a boat.

Bought a new custom $100,000 27' SeaSport Seamaster set up as a dive boat for SE Alaska together with a friend of mine. We had some good adventures on it and sold it a few years later after we both got married for perhaps a $40,000 loss considering all we had in it.
by texasdiver
Tue Sep 18, 2018 12:19 pm
Forum: Investing - Theory, News & General
Topic: Equity in house / Do you use it?
Replies: 56
Views: 3315

Re: Equity in house / Do you use it?

The whole "home equity" label just obscures the fact that you are simply borrowing money and using your house as collateral to get a lower interest rate. "Untapped home equity?" How is this any different than "untapped credit line" on your credit card? If I added up all the different credit lines on...
by texasdiver
Mon Sep 17, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security WEP question
Replies: 3
Views: 521

Re: Social Security WEP question

Questions: 1. If you opt out of the STRS does that opt you into Social Security? I would suspect that it does but you will need to verify. The rules that state institutions have to follow to opt out of social security are fairly strict. They basically have to offer a traditional type of pension. So ...
by texasdiver
Mon Sep 17, 2018 3:07 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 2938

Re: are iPad Minis obsolete?

My wife loves her mini and will be out of sorts if they are discontinued. That said, there are other very inexpensive android options for tablets in that size range so if you are just looking for something to read books, do web surfing and media consumption and don't really need or care about all th...
by texasdiver
Mon Sep 17, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 4900

Re: Any Cyclists With a Brooks Saddle?

FYI, there are now several other modern saddle makers operating in the Brooks "space" of full leather saddles: Gilles Berthold, a famous small French pannier and handlebar bag manufacturer is now doing full leather saddles: http://www.gillesberthoud.fr/_en/selles/index.php which can be found at vari...
by texasdiver
Sun Sep 16, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: Any Cyclists With a Brooks Saddle?
Replies: 37
Views: 4900

Re: Any Cyclists With a Brooks Saddle?

I have 4 of them. A B-17 Special Titanium on my road bike A Standard B-17 on the front seat of my tandem A Flyer Special on my mountain bike (B-17 top with springs) An old Brooks Professional I took off an old road bike before I sold it and am keeping in case I wind up with a 4th bike. Been riding o...
by texasdiver
Sun Sep 16, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: I need a chainsaw to trim branches and limbs!!
Replies: 93
Views: 4182

Re: I need a chainsaw to trim branches and limbs!!

Ego 14" cordless: https://www.homedepot.com/p/EGO-14-in-56-Volt-Lithium-ion-Cordless-Chainsaw-with-2-0Ah-Battery-and-Charger-Included-CS1401/205439214 The Ego stuff is good quality. Half the price of the tool is the battery and charger so if you have or intend to buy other Ego tools you can special ...
by texasdiver
Sun Sep 16, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Is your iPad Pro enough on the road?
Replies: 11
Views: 1180

Re: Is your iPad Pro enough on the road?

I use mine on the road but I put it in a keyboard case. I have the Logitech Create keyboard with backlit keys which I like for travel. Around home I keep the iPad in a lighter case sans-keyboard because I don't use it for serious work. If you are a power user of Excel then you will chafe at the abse...
by texasdiver
Sat Sep 15, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3794

Re: Is home alarm monitoring worth it?

You can get ADT lawn signs on eBay for $25. I expect they are probably stolen off other people’s yards. The previous owners of our house had ADT and I left the sign and window stickers up but didn’t activate the service. With teens coming and going at all hours it didn’t seem worth it for the hassle...
by texasdiver
Fri Sep 14, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: New era for TSP "I" Fund?
Replies: 16
Views: 2079

Re: New era for TSP "I" Fund?

So has anyone done a back-cast to compare the performance difference between these two different benchmarks over the past 10-20 years?
by texasdiver
Fri Sep 14, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: The Problem for Active Management Isn't Indexing
Replies: 7
Views: 948

Re: The Problem for Active Management Isn't Indexing

Thesaints wrote:
Thu Sep 13, 2018 8:15 pm
Stocks not held through funds are held individually.
Or pensions, trusts, sovereign wealth funds, endowments, and foundations. There are many institutional investors that aren't mutual funds.
by texasdiver
Thu Sep 13, 2018 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation house? Need objective third party
Replies: 66
Views: 5598

Re: Vacation house? Need objective third party

At that level of income the issue is usually time not money. Obviously the OP can afford a vacation house. If my wife and I had that level of income we'd be most certainly looking at spending our vacations in places like Europe and Costa Rica, not at some family compound on a lake. But that's just u...
by texasdiver
Thu Sep 13, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: How would you market cleaning service to AirBnB owners?
Replies: 8
Views: 908

How would you market cleaning service to AirBnB owners?

We have a fabulous cleaning woman who is not very computer savvy and looking for more customers. There are a lot of AirBnB rentals in our area and it occurs to me that they would be a good source of business. Anyone have any advice on how to market to them? Would you just click on each listing and s...
by texasdiver
Thu Sep 13, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Father Wants a Home Mortgage (Bad Credit Score)
Replies: 43
Views: 3105

Re: Father Wants a Home Mortgage (Bad Credit Score)

I'm happy to hear that this situation has been resolved. Something that no one here has mentioned but I wonder if it is a "thing" is to hire a mediator to resolve this sort of situation. If I found myself in the sort of situation as the OP (between 2 family members) I think I would tell them that th...
by texasdiver
Thu Sep 13, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2928

Re: How to determine quality of a finished new construction home

Honestly, knowing about the builder isn't necessarily going to tell you all that much either. Obviously you also have to compare apples to apples. You can't compare a national builder putting up cheap entry level homes to a custom builder in a high-end subdivision. Lennar here in WA is obviously goi...
by texasdiver
Thu Sep 13, 2018 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Service Date for Vesting - Teacher
Replies: 12
Views: 837

Re: Service Date for Vesting - Teacher

What about substitute teaching for 1 day? I don't know about VA but here in WA, substitutes can partipate in the state's pension program voluntarily. They aren't automatically included but can opt to be included and have the pension payment deducted from their pay. Honestly I would contact the pensi...
by texasdiver
Thu Sep 13, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: How to determine quality of a finished new construction home
Replies: 45
Views: 2928

Re: How to determine quality of a finished new construction home

Hire a home inspector and be there when he walks through it. One who has been around will also know 100x more about local builder reputations than anything you can find on online reviews by consumers.
by texasdiver
Thu Sep 13, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Re: Bike computer or Apple Watch?

How quickly this has escalated from replacing an old cyclemeter to $750 pedals that require changing before a ride and charging :-) As long as we are making things way too complicated, there may be a triathlete watch out there that would work for scuba and biking :beer Good luck Texasdiver! While I...
by texasdiver
Wed Sep 12, 2018 4:32 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6489

Re: Hurricane Florence - survival guide

Forgot to mention.

If you decide to stay put in a flood zone, make sure you own an axe (better yet a fire axe) so you can chop through your roof when the flood waters rise.

https://www.youtube.com/watch?v=t-WfiGoLqLU
by texasdiver
Wed Sep 12, 2018 3:27 pm
Forum: Personal Consumer Issues
Topic: Hurricane Florence - survival guide
Replies: 87
Views: 6489

Re: Hurricane Florence - survival guide

After living through some grass fires in Texas that came within 100 meters of our house I now keep all important papers in a single accordian folder in the safe so I can grab and go without thought. Also EVERY important document has been scanned and stored in DropBox so I can access from anywhere if...
by texasdiver
Sun Sep 09, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Is it worth getting BA after 16 years? Or should I go for certificate programs?
Replies: 10
Views: 1184

Re: Is it worth getting BA after 16 years? Or should I go for certificate programs?

One thought on the subject. A lot of employers use the degree date to get a general sense of the candidate's age. So, for example if you have a BA from 1985 you are likely to be about 55 years old. If you have a recent BA on your resume it may look like you are a lot younger than you really are on r...
by texasdiver
Fri Sep 07, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Re: Bike computer or Apple Watch?

Thanks guys: I'm kind of leaning towards checking out the new apple watch when it comes out. The price difference between the apple watch and the high-end smart bike computers from Garmin and Wahoo is not much. Some general comments about my experiences: 1. I ride 3 different bikes (road, mountain,...
by texasdiver
Fri Sep 07, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Re: Bike computer or Apple Watch?

Strapping an apple watch to your handlebars just to know how fast you are going seems dumb to me. Firstly, who really cares how fast you are going? Secondly, that defeats the ability for the Apple Watch to record heart rate data. I stopped caring about my speed, and now I've got a great feel for pr...
by texasdiver
Fri Sep 07, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Re: Bike computer or Apple Watch?

1. I ride 3 different bikes (road, mountain, and tandem) Okay you have officially made my wife jealous. You have a tandem. If we had one we could go for a bike ride, and she wouldn't have to do anything. :beer :P I can't get my wife to ride it. She wants to be on her own bike when we go out riding ...
by texasdiver
Fri Sep 07, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Low-earners- What is your profession?
Replies: 306
Views: 40024

Re: Low-earners- What is your profession?

HS Teacher: About $65,000 per year.

But I'm married to a physician so our household income is obviously higher.
by texasdiver
Fri Sep 07, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?
Replies: 34
Views: 4229

Re: Could One Work For Edward Jones and Put Clients in Boglehead Portfolios?

I have a hard time understanding who the typical Edward Jones client is. The great majority of my peers (mid-career professional types) who have substantial investment portfolios have the bulk of it locked up in employer-based 401(k) and 403(b) type plans. Yes people also have Roths and rollover IRA...
by texasdiver
Fri Sep 07, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Re: Bike computer or Apple Watch?

Thanks guys: I'm kind of leaning towards checking out the new apple watch when it comes out. The price difference between the apple watch and the high-end smart bike computers from Garmin and Wahoo is not much. Some general comments about my experiences: 1. I ride 3 different bikes (road, mountain, ...
by texasdiver
Thu Sep 06, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Bike computer or Apple Watch?
Replies: 49
Views: 3340

Bike computer or Apple Watch?

Need to replace my old Cateye bike computer and looking for sometime more modern that integrates with my phone. After looking around a bit it occurs to me that maybe an Apple Watch would work too. I use the map my ride app on the phone to track my rides but keep my phone put away while riding so I’m...
by texasdiver
Tue Sep 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18158

Re: How to Retire in Your 30's with $1 Million in the Bank

My own experience with this sort of thing is a bit different. I worked in the Peace Corps in Guatemala in the 1980s and knew a number of volunteers in their early 30s who basically decided not to go home. One guy I knew very well got married and opened up a gift shop and tour guide business down the...
by texasdiver
Mon Sep 03, 2018 11:24 pm
Forum: Investing - Theory, News & General
Topic: "Ten Things You Should Know About Index Fund Investing"
Replies: 9
Views: 2169

Re: "Ten Things You Should Know About Index Fund Investing"

#11. With an index fund you already own everything in "X-Hot Actively Managed Fund". This is the answer I always give my brother and and a certain co-worker who get enamored with whatever is the current recently hot actively manged fund. My co-worker: "Dude...you should take a look at "American Fund...
by texasdiver
Mon Sep 03, 2018 12:28 pm
Forum: Personal Consumer Issues
Topic: German B&M Non-Blinking vs. Blinking Bike Tail Lights
Replies: 20
Views: 1217

Re: German B&M Non-Blinking vs. Blinking Bike Tail Lights

I ride with battery powered blinking red rear and solid white LED headlights. It is suburban riding with streetlights for the most part so regular clamp-on handlebar style. I also keep a backup flasher and small headlight in my pack. Small AAA battery LEDs take up virtually no space or weight and it...
by texasdiver
Mon Sep 03, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Finding rental house or apartment in Redmond, WA
Replies: 3
Views: 315

Re: Finding rental house or apartment in Redmond, WA

Does MSFT have any kind of internal employee bulletin boards where things like rentals might be found that aren't advertised?
by texasdiver
Mon Sep 03, 2018 12:58 am
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18158

Re: How to Retire in Your 30's with $1 Million in the Bank

I don't think this sort of thing is anything new. Nor is it a growing trend. People have been walking away from the rat race since Thoreau. Well, long before that I suspect. Back in the 60s and 70s it was the back to the land movement. Buy your homestead in Vermont and grow vegetables. I have an aun...
by texasdiver
Sun Sep 02, 2018 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: How to Retire in Your 30's with $1 Million in the Bank
Replies: 148
Views: 18158

Re: How to Retire in Your 30's with $1 Million in the Bank

Back in my day we called these guys "stay home dads" During my parent's time in the 60s and 70s they were called "dropouts" Now they are retired?
by texasdiver
Sat Sep 01, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing Frequency? Daily vs annually?
Replies: 34
Views: 2314

Re: Rebalancing Frequency? Daily vs annually?

Hi texasdiver. What do you hope to accomplish by rebalancing? That's the key input to the question of under what circumstances to do it. PJW The purpose is to maintain my chosen asset allocation and risk level over time (equities vs fixed and foreign vs domestic). I don't have any particular band o...
by texasdiver
Sat Sep 01, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing Frequency? Daily vs annually?
Replies: 34
Views: 2314

Re: Rebalancing Frequency? Daily vs annually?

In my opinion, there are no studies of rebalancing that will give one any definitive answer. Indeed, the search for a "Rebalancing Bonus" is harder than the search for the Higgs Boson and will have just as much benefit to mankind. Namely, none. The problem is that the level of noise and randomness ...
by texasdiver
Sat Sep 01, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11850

Re: How do you 7 figure guys organize multiple accounts?

I'm really surprised at how many spreadsheet people there are here. I'm something of a power user in Excel from my previous career doing complicated analyses of fisheries data. But I've been using Quicken for personal finance for at least 20+ years an it never once occurred to me to use spreadsheet...
by texasdiver
Sat Sep 01, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: How do you 7 figure guys organize multiple accounts?
Replies: 164
Views: 11850

Re: How do you 7 figure guys organize multiple accounts?

I'm really surprised at how many spreadsheet people there are here. I'm something of a power user in Excel from my previous career doing complicated analyses of fisheries data. But I've been using Quicken for personal finance for at least 20+ years an it never once occurred to me to use spreadsheets...
by texasdiver
Sat Sep 01, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Rebalancing Frequency? Daily vs annually?
Replies: 34
Views: 2314

Rebalancing Frequency? Daily vs annually?

I'm wondering if anyone is aware of any quantitative studies that look into the question of rebalancing frequency and whether or not there is any possible advantage to frequent (daily) rebalancing. We are at the point where my wife has a mid 6-figure rollover IRA with Vanguard that is currently inve...
by texasdiver
Fri Aug 31, 2018 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Rate + Points - Sanity Check
Replies: 5
Views: 450

Re: Mortgage Rate + Points - Sanity Check

I wouldn't buy the points if you plan to pay it off in 10 years. That's an aggressive paydown, so your savings on interest is going to come mainly from doing that. If you're going to pay it down that fast, what are the 15 year rates? Get a 15 year mortgage. What if you went with this lender, even a...
by texasdiver
Fri Aug 31, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: What constitutes a haystack? (for stocks)
Replies: 32
Views: 2465

Re: What constitutes a haystack?

I'm in position 1, the global market with some tilt towards the US because that is how the target retirement funds (that hold the bulk of our portolio) are structured. In other words, I rely on the experts and Vanguard and the Thrift Savings Plan to figure out what the haystack is.