Search found 2270 matches

by texasdiver
Sat Dec 09, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 35
Views: 1815

Re: Espresso Machine suggestions?

Coffee Geeks is your go-to site for reviews and forums on all coffee-related equipment if you really want to get down into the weeds http://coffeegeek.com/ Seattle Coffee Gear also does a lot of reviews and has good video reviews on youtube of various machines https://www.seattlecoffeegear.com/espre...
by texasdiver
Thu Dec 07, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4110

Re: When Bitcoin blows-up

Anyone have any idea what percentage of bitcoin holdings are in the US? Is there any way to even know? This is a world forum, not just a US forum obviously. But if the bulk of bitcoin owners are Chinese or Indian tech millionaires, or say Colombian drug lords I'm not sure I really care what happens ...
by texasdiver
Mon Dec 04, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Formula to figure Roth or Traditional
Replies: 10
Views: 807

Re: Formula to figure Roth or Traditional

Couple thoughts: IN FAVOR OF THE ROTH 1. Roth lets you contribute more money if you are up against the contribution limit: $10,000 post-tax is more than $10,000 pre-tax. 2. Roth savings are more flexible. You can use a Roth as more of an emergency fund once you are past the 5 year limit. We cashed o...
by texasdiver
Sat Dec 02, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

Wow I didn't realize they depreciated that much. Buying a used Leaf certainly changes the economics but I don't know how you would factor in the battery fade issue and how many years or miles you should get before the batteries need replacement. Have you researched the longevity of the Leaf batteri...
by texasdiver
Sat Dec 02, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

3feetpete wrote:
Sat Dec 02, 2017 5:19 pm
I just looked up the MSRP of the Leaf 32k Your insurance on that with a teen driver will be astronomical
Used ones are all over the place around here for around $8k

I'd never buy a new car for a teen.
by texasdiver
Sat Dec 02, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

Bad idea. Your teen won't have anywhere to charge it when they go away to college. And you dont know how farcollege will be away. Teens typically only drive 7,000 miles or so a year : You will not save enough on gas to make up for the high purchase price and insurance costs for a more expensive car...
by texasdiver
Sat Dec 02, 2017 1:43 pm
Forum: Investing - Theory, News & General
Topic: TSP I Fund - Director asks board to add emerging markets and small cap int.
Replies: 7
Views: 959

Re: TSP I Fund - Director asks board to add emerging markets and small cap int.

It's a good change. Too late for me though. After 11 years of investing in the TSP, it has finally been filled with the G fund for me as I haven't made a contribution to it in 7 years and it has gradually become a smaller and smaller part of my portfolio. Maybe if I do some huge rollover into it at...
by texasdiver
Fri Dec 01, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3474

Re: housing for in-laws

pangea33 wrote:
Fri Dec 01, 2017 9:17 am
letsgobobby wrote:
Fri Dec 01, 2017 8:13 am
man cave is cheaper than a new house.
I'd build a tiny house as an "office" hideout. Wouldn't be able to hear them in the kitchen on their loudest days.
Here's a guy who did that sort of thing. Fascinating web site and blog also:

https://granolashotgun.com/2017/06/14/the-bitter-suite/
by texasdiver
Fri Dec 01, 2017 1:16 am
Forum: Personal Consumer Issues
Topic: housing for in-laws
Replies: 48
Views: 3474

Re: housing for in-laws

If you are in a suburban area with a lot of new construction then I think you'll find that the big builders are doing a lot of multi-generational housing these days. Some very nice designs with dual entrances, living spaces, and kitchens that are very well thought out. When my wife and I were home s...
by texasdiver
Thu Nov 30, 2017 9:25 pm
Forum: Investing - Theory, News & General
Topic: What did you do right?
Replies: 96
Views: 9256

Re: What did you do right?

Right : Mostly invested maximum contributions to TSP/403b)/401(k) plans over the years and left them on autopilot in mostly vanguard target retirement funds Married the right woman. A younger doctor from a foreign country (no student loans out of residency) Wrong : Bought a new 27 ft cabin cruiser ...
by texasdiver
Mon Nov 27, 2017 12:39 am
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1411

Re: overseas vacation questions

1. I'd find better parking than on the street. Remote airport parking is a possibility for one of them. EDIT. From the original post it isn't clear if you are talking about on the street or just in your own driveway. I'd be fine leaving cars in my own driveway or personal parking space. 2. Notify an...
by texasdiver
Sun Nov 26, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: full spectrum lighting for SAD?
Replies: 7
Views: 431

Re: full spectrum lighting for SAD?

You may want to look at the lighting research done by fish-keepers. If ever there was a group of hobbyists devoted to analyzing the spectral distribution of multiple different brands of light bulbs, it would be people who need to pay mind to such things to keep their fish, invertebrates, and plants...
by texasdiver
Sun Nov 26, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: full spectrum lighting for SAD?
Replies: 7
Views: 431

Re: full spectrum lighting for SAD?

Since moving from sunny Texas to the darker cloudier and more northern Pacific Northwest my wife has suggested that we look into installing some full spectrum lighting in the house to combat seasonal affective disorder (SAD). Apparently there is evidence for the medical benefits of full spectrum li...
by texasdiver
Sun Nov 26, 2017 1:09 pm
Forum: Personal Consumer Issues
Topic: Are there any unspoken rules to "keep in touch" with previous boss?
Replies: 21
Views: 2525

Re: Are there ant unspoken rules to "keep in touch" with previous boss?

That's what linkedin is for. I have five former bosses on linkedin. All on good terms. At times I have had to go back to them for recommendations (I've been in government and education) and that makes it easy to track them down as people change jobs and email addresses and such over time.
by texasdiver
Sun Nov 26, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: full spectrum lighting for SAD?
Replies: 7
Views: 431

full spectrum lighting for SAD?

Since moving from sunny Texas to the darker cloudier and more northern Pacific Northwest my wife has suggested that we look into installing some full spectrum lighting in the house to combat seasonal affective disorder (SAD). Apparently there is evidence for the medical benefits of full spectrum lig...
by texasdiver
Sun Nov 19, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

I had a Leaf for two years and I think your plan is great. No need for an extra charging station at all, normal power outlet is all you need for overnight charging and the guesstimated 20 miles a day, charge in no time anyway. Just be aware that the car is no so great in winter conditions (absolute...
by texasdiver
Sat Nov 18, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

Sounds OK to me. Yeah, I see the safety report. Kinda have to balance that against other concerns, it doesn't seem like a complete dealbreaker to me. Have you discussed this with her? Does she like the idea or dislike it? I assume she'll have a cell phone and can call you if she gets stranded. The ...
by texasdiver
Sat Nov 18, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone?
Replies: 19
Views: 1930

Re: Where to buy new iPhone?

Just order one from the online apple store. Apple will likely have better stock than any other reseller and I think they have free shipping. You'll get an unlocked phone shipped to your house. Getting it set up and working is trivial and easy. Problem with buying directly from Verizon is that you'll...
by texasdiver
Sat Nov 18, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

I had a Leaf for two years and I think your plan is great. No need for an extra charging station at all, normal power outlet is all you need for overnight charging and the guesstimated 20 miles a day, charge in no time anyway. Just be aware that the car is no so great in winter conditions (absolute...
by texasdiver
Fri Nov 17, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Replace TVs with Smart Tvs or not?
Replies: 57
Views: 4411

Re: Replace TVs with Smart Tvs or not?

I've got a Samsung Smart TV in the living room. Also happen to have a Chromecast and 4K Blu Ray player attached to it that can both stream. Honestly the Blu Ray player does a better job of streaming than the TV itself because it seems to have a better WiFi connection to our network. The Chromecast w...
by texasdiver
Fri Nov 17, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Re: Electric Car (Nissan Leaf) for a teen driver?

For the kind of driving you are talking, Leaf would be just fine. If she was driving on highway, I would be concerned not on city streets. No freeway driving at all in her daily routes. Just suburban driving around the cul de sacs and on wide suburban thoroughfares that have 30-45 mph type traffic.
by texasdiver
Fri Nov 17, 2017 8:20 pm
Forum: Personal Consumer Issues
Topic: Electric Car (Nissan Leaf) for a teen driver?
Replies: 43
Views: 3095

Electric Car (Nissan Leaf) for a teen driver?

Daughter #2 is about to earn her learners permit and I'll soon be having to think about what kind of car to get her. Our oldest daughter got her mother's hand-me-down 10-year old CR-V. But we don't have any cars ready to hand down at this point so we will need to find something for Daughter #2. Her ...
by texasdiver
Thu Nov 16, 2017 11:14 pm
Forum: Personal Consumer Issues
Topic: Dive computer recommendations
Replies: 8
Views: 745

Re: Dive computer recommendations

Most of my diving is cold weather drysuit diving where a big bulky wrist computer is what you want to fit over the heavy drysuit sleeve and insulation. If you're looking for something small and sleek for warm weather diving then I think Suunto makes some nice watch-size models. You'll have to resear...
by texasdiver
Wed Nov 15, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1208

Re: ASUS Student Chromebook - thoughts?

Chromebooks are great but useless without wifi. Does he have a smartphone? That would be the most useful on a road trip (camera, maps, email, text, calling). I would also get a cellular enabled iPad/Chromebook unless you're planning on using wifi all the time or smartphone as a hotspot. Good point ...
by texasdiver
Wed Nov 15, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: ASUS Student Chromebook - thoughts?
Replies: 22
Views: 1208

Re: ASUS Student Chromebook - thoughts?

High School Teacher here: I have a cart of 32 chromebooks in my classroom and both my own kids have their own chromebooks issued to them personally through their schools. So I'm pretty used to using and messing with them. For casual internet usage they are frankly hard to beat. The alternative is a ...
by texasdiver
Tue Nov 14, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Quest for better fund selection in 401 K
Replies: 18
Views: 1265

Re: Quest for better fund selection in 401 K

Went through this with my wife's previous 401k plan (actually a 403(b). It was being administered by Standard Insurance. Turns out that they were more than happy to add some more funds to the portfolio. They added a suite of Vanguard index funds at her request (Not all, but enough of them) and they ...
by texasdiver
Sun Nov 12, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10913

Re: The average American retiree household

... They would probably have to spend several hundred dollars a month for taxes, insurance, and maintenance if they still owned their house. Obviously these expenses do not apply to renters , so the net result is that they would still save that money even if they spent the whole $900 on rent. Unles...
by texasdiver
Sun Nov 12, 2017 12:46 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10913

Re: The average American retiree household

The military and the federal civilian workforce plans have also become defined contribution rather than defined benefit oriented. Change has been slower in the public sector but it is happening. Fed civilians still have defined benefit (though newer employees pay in 3-4x what older employees are pa...
by texasdiver
Sun Nov 12, 2017 1:35 am
Forum: Investing - Theory, News & General
Topic: Fidelity 10X Retirement Rule - - Valid???
Replies: 46
Views: 3037

Re: Fidelity 10X Retirement Rule - - Valid???

It's probably not that far off for someone at the median US income of about $50,000. Someone with that income level will earn a social security benefit of $15-20,000 after a lifetime of employment depending on when the benefits start. 10x annual income would mean savings of $500,000 which would spin...
by texasdiver
Sat Nov 11, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: The average American retiree household
Replies: 57
Views: 10913

Re: The average American retiree household

I'm curious what a "typical" pension looks like: Monthly amount relative to previous salary? Inflation adjusted? Single life, or joint? Survivor benefit? Age when you can start to collect it? I've considered buying an SPIA when we retire to mimic a pension. Teacher here. I’ve contributed to two dif...
by texasdiver
Thu Nov 02, 2017 10:56 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1055

Re: Credit Card auto-pay updates?

Thanks guys.

I guess this was new to me. Or I never noticed it before.

Just felt like I was losing a little bit of control when my bank and the companies I do business with are talking to each other about my accounts and my money without my knowledge.
by texasdiver
Wed Nov 01, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: Want to move kids' iPhones to a cell carrier without data overages
Replies: 18
Views: 1464

Re: Want to move kids' iPhones to a cell carrier without data overages

Another Verizon user here with 3 kids on a family plan. You don't want to just put your account on safety mode. What that will do is let your kids burn through all your shared data and then all the phones on the account get throttled including YOURS! What you want is to get the Family Base option wh...
by texasdiver
Wed Nov 01, 2017 10:53 pm
Forum: Personal Consumer Issues
Topic: Credit Card auto-pay updates?
Replies: 9
Views: 1055

Credit Card auto-pay updates?

Recently Bank of America notified me that my credit card number was possibly subject to fraud due to some merchant hack. Basically I got a form letter stating that they were cancelling my old number and re-issuing me a new card with a new number. So far so good. When the new car arrives I diligently...
by texasdiver
Mon Oct 23, 2017 1:24 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6296

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Mon Oct 23, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6296

Re: Work in Vancouver, WA..possibly live in Camas?

Look at a map and figure out how ten lanes over I5 bridge would solve anything when nothing would be expanded through the Rose Quarter. It would get the thousands of people getting off before the Rose Quarter to go to the Port, the Airport, the Hayden Island businesses, and the NE commercial and in...
by texasdiver
Sun Oct 22, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 667

Re: Drum sets?

Pearl export, buy it used and there should be plenty availible. There are lots of other good ones but these are ubiquitous. Cymbals are tricky. Good heads will make an entry level kit sound good. Cheap cymbals will never sound good. Get zildjian A or something comparable, Sabian AAX was great for J...
by texasdiver
Sun Oct 22, 2017 8:56 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6296

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Sun Oct 22, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Drum sets?
Replies: 10
Views: 667

Drum sets?

Any drummers here who can provide advice on drum sets? Youngest daughter has joined her middle school band as a percussionist. She wants to move on to playing in her school's jazz band next year which requires playing on a traditional drum set as opposed to the normal marching band type individual p...
by texasdiver
Sun Oct 22, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: 4% SWR Rule in Other Countries
Replies: 29
Views: 2881

Re: 4% SWR Rule in Other Countries

I scanned through the article twice but could not discern whether the model portfolios for each country were in that country's markets or in globally diversified investments. For example, the Japanese investor has a 35% failure rate with a 4% withdrawal. Is that for a Japanese investor invested in J...
by texasdiver
Sat Oct 21, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: Observation on Edward Jones
Replies: 21
Views: 4309

Re: Observation on Edward ones

That's also why they want mid-career professional types rather than fresh out of college 23 year olds. They want a sales staff that has thick lists of professional contacts to exploit.
by texasdiver
Sat Oct 21, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: When one reaches the 1 million mark what to do with all the money?
Replies: 33
Views: 6383

Re: When one reaches the 1 million mark what to do with all the money?

I have no idea if this is of any benefit, but I keep the paper statements "turned on" for all my major investment accounts and store them all away so that I have a paper trail of all my investment accounts. Not only will that help my wife or heirs sort things out should I pass, but provides an addit...
by texasdiver
Sat Oct 21, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6296

Re: Work in Vancouver, WA..possibly live in Camas?

The good news is that the main councilman that opposed the construction of the new I-5 bridge was voted out of office. His replacement is pro-bridge building. So, there will definitely be a new bridge. Kids say the darndest things. The CRC boondoggle was killed by the Washington legislature not som...
by texasdiver
Sat Oct 21, 2017 12:11 am
Forum: Personal Consumer Issues
Topic: Work in Vancouver, WA..possibly live in Camas?
Replies: 70
Views: 6296

Re: Work in Vancouver, WA..possibly live in Camas?

Camas resident here. We’ve been here 1.5 years so far. Like it a lot. Airport is close. Just dropped my parents off this morning and it was 13 min door to door to the airport at 6:30 am on a weekday. A bit later the traffic over the river starts to back up. Camas schools are good. About as good as i...
by texasdiver
Wed Oct 18, 2017 11:18 pm
Forum: Personal Finance (Not Investing)
Topic: evicting my tenant for unlawful detainer
Replies: 7
Views: 1588

Re: evicting my tenant for unlawful detainer

Rather than spend legal resources on an eviction when he's leaving in 2 weeks anyway I would think you'd be better off saving the money and spending it on recovering damages to the apartment (if there are any)
by texasdiver
Sun Oct 15, 2017 12:23 am
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 35
Views: 6513

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

It's a very sad situation overall. Many of these homes have been flooded three years in a row. The solution is to raise them onto piers above the base flood elevation level, but that is expensive and many of the homeowner's don't have the resources to do so. When most of these homes were built, the...
by texasdiver
Mon Oct 02, 2017 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2419

Re: Federal Employee looking to move to Private sector..!

When I left Federal employment to work as a private contractor with my old agency I did the math and figured out I had to gross about 40% more than my old Federal salary just to break even. That was for a new job as an independent contractor with no benefits. How did it turn out to be in a long run...
by texasdiver
Sun Oct 01, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Employee looking to move to Private sector..!
Replies: 34
Views: 2419

Re: Federal Employee looking to move to Private sector..!

When I left Federal employment to work as a private contractor with my old agency I did the math and figured out I had to gross about 40% more than my old Federal salary just to break even.

That was for a new job as an independent contractor with no benefits.
by texasdiver
Sun Oct 01, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Lost my job and looking for advice on next steps
Replies: 43
Views: 5491

Re: Lost my job and looking for advice on next steps

Thanks for the feedback. My wife is a teacher. I will need to explore if health coverage is remotely possible through her employer. I haven't looked at ACA yet notwithstanding all the uncertainty surrounding it at present. We live in HCOLA area. Until our son finishes college, we plan to stay put. ...
by texasdiver
Fri Sep 29, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: Caught by speed camera
Replies: 49
Views: 2979

Re: Caught by speed camera

Just because it isn’t reported to the DMV or your insurance company doesn’t mean they can’t squeeze you for the $$$ and turn it over to a collections company and land you in collections company and credit agency hell if you don’t pay. I would pay it and move on. Unless you are a natural gadfly type ...
by texasdiver
Tue Sep 26, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1478

Re: Weekend trip in Portland, Oregon - ideas?

There are a bazillion and I'm not particularly up to date as my wife and I have mostly been exploring Vegan offerings on the east side for the past 6 months. Thank you for all the suggestions; I think they'll not only be useful to the OP. I have a couple of trips to Portland coming up. Any suggesti...