Search found 248 matches

by Cody6136
Thu Jul 18, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Harrassed at work, what steps to take to protect her future employment
Replies: 93
Views: 7978

Re: Harrassed at work, what steps to take to protect her future employment

Kenkat wrote:
Thu Jul 18, 2019 10:41 am
and let them try to fire her; set the village on fire on the way out if necessary (they’ve already fired the first shot it seems)
3
What could "set the village on fire" possibly mean and how would this benefit anyone?
by Cody6136
Tue Jul 16, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Car Rental in Europe--specifically Sicily
Replies: 27
Views: 1237

Re: Car Rental in Europe--specifically Sicily

According to Rick Steves, whatever liability insurance they offer, take it. Also in Italy you are supposed to have an international drivers license. He said he has never been asked for his, but if they do ask you need to be able to present it. You can obtain one at any AAA office for about $25. The...
by Cody6136
Fri Jul 12, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: Sending an eCard For Birthday
Replies: 12
Views: 877

Re: Sending an eCard For Birthday

I'm trying to send an eCard for a birthday, but it seems that all of the sites that I see (and used in the past) now require a "sign up" for a $2.50 per month service. I just want to send one card one time. Are there any sites left that will allow me to do that at a one time fee? Almost not worth a...
by Cody6136
Thu Jul 11, 2019 11:37 am
Forum: Personal Consumer Issues
Topic: Volunteer suggestions
Replies: 55
Views: 2604

Re: Volunteer suggestions

This is an amazing thread. You’re all quite inspiring! +1. I have worked as a fundraiser doing "cause work" for more than 25 years. I've worked in environmental, disaster relief, animal rescue and educational charities. Some of these non-profit organizations are the world's largest; others are loca...
by Cody6136
Wed Jul 10, 2019 10:48 am
Forum: Personal Consumer Issues
Topic: Yellowstone guidance
Replies: 12
Views: 1252

Re: Yellowstone guidance

I'm planning a trip to Yellowstone and Jackson, Wyoming later this month. Four days at each location. Has anyone hired fishing guides in Yellowstone? Very interested in wading/fly fishing. Any suggestions or recommendations on guides are welcome. It'll be my wife and me (celebrating my 50th). We're...
by Cody6136
Mon Jul 08, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Is Grass-fed milk worth it?
Replies: 82
Views: 3970

Re: Is Grass milk worth it?

Based on credible information, I consume almost no dairy products. I did grow up on a farm - and we had a few cows at that time. I can tell you that the taste of milk can be very different based on what the cow has eaten, +1 (800 cow dairy farm = hard work) Rice Dream Macadamia Nut Milk Almond Milk...
by Cody6136
Fri Jul 05, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 1722

Have you cleaned your own carpets?

Hi again. I'm fairly big on Do It Yourself, though of course some BHers put me to shame. There are some master DIY folks here on BH! My latest? Certainly not difficult but yesterday I rented a carpet cleaner and spent about two hours doing a large room. I paid about one-third of what it would be for...
by Cody6136
Fri Jul 05, 2019 11:47 am
Forum: Personal Investments
Topic: Noob worried about retiring in 7-10 years! Will I have enough - you decide!
Replies: 32
Views: 3666

Re: Noob worried about retiring in 7-10 years! Will I have enough - you decide!

...Making 75k/yr. Can’t count much on further raises at this point, maybe a little. Estimate I’ll need about 48,000/yr (plus SS) at 67, or about 41,000/yr (plus SS) if I work to 70. I’ll also need a new car by then, should be my last one... I don't think you will need as much as you believe. Depend...
by Cody6136
Fri Jul 05, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Theodore Roosevelt National Park or Badlands NP -- good for hiking in August?
Replies: 24
Views: 1320

Re: Theodore Roosevelt National Park -- good for hiking in August?

I lead a dozen people on a week of day hikes in the park for the Sierra Club. The Badlands of North Dakota are greener and more interesting than the Badlands of South Dakota, and the hiking is outstanding. Long hikes? In the South Unit the Lone Tree Loop at 9.6 miles and the Petrified Forest Loop a...
by Cody6136
Wed Jul 03, 2019 3:13 pm
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 6655

Re: Parents got ripped off, what can I do about it?

If they installed an inferior or substandard unit perhaps the plumber should be asked to exchange it and install one at least as good as the old one that failed Only if the parents pay parts and labor for the new unit. If the one installed was not what they wanted they should have said so before it...
by Cody6136
Wed Jul 03, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: Parents got ripped off, what can I do about it?
Replies: 75
Views: 6655

Re: Parents got ripped off, what can I do about it?

If they installed an inferior or substandard unit perhaps the plumber should be asked to exchange it and install one at least as good as the old one that failed Only if the parents pay parts and labor for the new unit. If the one installed was not what they wanted they should have said so before it...
by Cody6136
Tue Jul 02, 2019 9:30 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Re: Are you a serious DIYer?

How do you prioritize what to do first? I'd prioritize like this: 1. Items that are a safety hazard 2. Items that are a neighborhood eyesore 3. Items that will improve your day-to-day life and make things easier 4. Cosmetic items that improve the rooms you spend the most time in (living room, bathr...
by Cody6136
Tue Jul 02, 2019 9:29 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Re: Are you a serious DIYer?

I probably come close to a 10 on your DIY scale. My wife and I built our own house back in 2004, doing all the foundation, framing, electrical, plumbing, tiling, sheetrock, insulation, cabinetry, and finish work ourselves. We also built our own garage in 2001, a few sheds, remodeled my in-laws hous...
by Cody6136
Tue Jul 02, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Re: Are you a serious DIYer?

I do everything you listed OP. Some projects: - Water heater install. I wouldn't do this again, but old heater started leaking in the evening so just went to HD and put in the new one. - Ceramic tile - Hardwood floors, whole house. I wouldn't do this again, it's labor intensive. - Drywall. I would ...
by Cody6136
Tue Jul 02, 2019 9:27 am
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Re: Are you a serious DIYer?

You tell me. I am a professor by day but a non stop DIY all the rest of the time. I've put a large second story on my prior house. Banged every nail, soldered every plumbing joint, pulled wire and even installed the central air myself. In my new house I built a swimming pool. If I could have spraye...
by Cody6136
Mon Jul 01, 2019 2:09 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Re: Are you a serious DIYer?

I am easily an 8 (what's the scale rating again? :D )...... About the only thing I have not done myself on the cars or house was spray foam insulation and the reason was cost, not ability - the bulk order materials and a used/lower end spray system was going to be in the range of 7-10k and I found ...
by Cody6136
Mon Jul 01, 2019 1:09 pm
Forum: Personal Consumer Issues
Topic: Are you a serious DIYer?
Replies: 84
Views: 5704

Are you a serious DIYer?

I've become more and more interested in doing things myself around the home. Minor appliance repairs, all lawn care, growing vegetables, tree trimming, painting, tiling, carpentry. I enjoy it, and spend most of the weekend around the house, garage, and garden. On a scale of 1 to 10, I'm around an 8 ...
by Cody6136
Fri Jun 28, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Facebook reading our minds?
Replies: 37
Views: 3438

Re: Facebook reading our minds?

I'm not on Facebook but my wife is. Tonight, we were at a local restaurant. We had an appetizer that was so good that we talked about looking for a recipe in order to fix it at home. A few minutes ago, she showed me her Facebook feed. On it was a video showing how to make the dish we had talked abo...
by Cody6136
Fri Jun 28, 2019 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: How did you lower your annual expenses?
Replies: 145
Views: 12752

Re: How did you lower your annual expenses?

First I had a REAL SENSE OF URGENCY. I mean this with 100% respect because I commend you for taking some steps to improve your financial situation. You tracked your expenses for a year and are now asking how to reduce them? This should have taken at most 1 month but probably a week to figure this o...
by Cody6136
Fri Jun 28, 2019 9:53 am
Forum: Personal Investments
Topic: Am I doing this right so far?
Replies: 17
Views: 1123

Re: Am I doing this right so far?

I've heard everything from using life insurance to annuities to recasting my mortgage for lower payments (I do like this one) as next steps. At this point should I focus on the short term? I think my retirement should already be looking good. Annuities---NOT ON YOUR LIFE! Run from these. They are u...
by Cody6136
Wed Jun 26, 2019 5:23 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4643

Re: Am I falling into the trap of judging everything through cost lens?

I think I am letting the cost of things and experience the main deciding factor when considering buying something or some experience. I tend to go generally the cheaper route most of the time. But all those folks who are traveling business and first class vs the cheap economy option can't be stupid...
by Cody6136
Wed Jun 26, 2019 4:42 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8155

Re: Dave Ramsey now says to give up employer 401K match to pay down debt

Yes, if you have some crazy interest payday loan of like 200%, but that's about it! I still didn't think that interest rates >30% were legal anywhere in the U.S. Interest rates above 30% are very legal. That is because some states have no limit on how much interest can be charged to consumers, so c...
by Cody6136
Wed Jun 26, 2019 4:39 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8155

Re: Dave Ramsey says to give up employer 401K match to pay down debt

By directing funds temporarily to paying down debt rather than 401(k), Ramsey tries to get folks excited about their financial future. Hopefully, many of the Dave Ramsey crowd will grow up to be Bogleheads some day. I did. I needed to hear Dave's message about 20 years ago and it worked. Many of th...
by Cody6136
Wed Jun 26, 2019 3:35 pm
Forum: Personal Consumer Issues
Topic: Favorite mountain lodge destinations in the west?
Replies: 49
Views: 4154

Re: Favorite mountain lodge destinations in the west?

Take a look At Chico Hot Springs Resort, close enough to Yellowstone that doing day trips into the park is not too bad. I love the place. https://www.chicohotsprings.com/accommodations/historic-main-lodge/ Sage Lodge just opened and is adjacent to Chico Hot Springs. Paradise Valley is a nice option...
by Cody6136
Wed Jun 26, 2019 3:31 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey says to give up employer 401K match to pay down debt
Replies: 148
Views: 8155

Re: Dave Ramsey says to give up employer 401K match to pay down debt

By directing funds temporarily to paying down debt rather than 401(k), Ramsey tries to get folks excited about their financial future. Hopefully, many of the Dave Ramsey crowd will grow up to be Bogleheads some day. I did. I needed to hear Dave's message about 20 years ago and it worked. Many of th...
by Cody6136
Mon Jun 24, 2019 11:25 am
Forum: Personal Investments
Topic: Worried about the future/not saving enough
Replies: 39
Views: 5179

Re: Worried about the future/not saving enough

Agree on taking a hard look at car expenses. We’re in a HCOL area but partially offset that by my using public transportation for daily commute. We only have one fully paid off car and even with three kids it usually works. When we get in a transportation bind we fall back on Uber/Lyft, Zipcar, or ...
by Cody6136
Thu Jun 20, 2019 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Career advice — asking for the “gray hair perspective”
Replies: 50
Views: 4180

Re: Career advice — asking for the “gray hair perspective”

Mike Scott wrote:
Sun Jun 16, 2019 7:56 pm
Tread water at work for a while until you can secure and protect your intellectual property and shop it around to a new group or start your own. Then leave when you are ready.
Wisdom!
by Cody6136
Wed Jun 19, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8735

Re: Does money/lack of money preoccupy you?

WHAT??? You write that "all average persons in USA saves 92K." This is not even remotely close to being true. The article states that the average 401k participant, not all average persons in the USA. THINK!!! Cody my apologies it has been edited and updated to reflect the correct quote, which btw i...
by Cody6136
Wed Jun 19, 2019 12:47 pm
Forum: Personal Consumer Issues
Topic: Single cup coffee/espresso options, 2019
Replies: 84
Views: 5435

Re: Single cup coffee/espresso options, 2019

TLDR: What are the good options for an unsophisticated coffee/latte drinker to easily, cheaply, and quickly get something that approximates something ~80% as good as Starbucks-type espresso drinks, at home? === OK, so I posted about this in 2017 and didn't pull the trigger on anything. Have a singl...
by Cody6136
Wed Jun 19, 2019 10:27 am
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8735

Re: Does money/lack of money preoccupy you?

all average persons in USA saves 92K see latest article https://finance.yahoo.com/news/apos-average-worker-saved-401-210000796.html americans are in denial, and don't save, it will impact all of us. I think it is responsibility of all of us to share knowledge to our friends on personal level. I hav...
by Cody6136
Tue Jun 18, 2019 1:30 pm
Forum: Personal Consumer Issues
Topic: Does money/lack of money preoccupy you?
Replies: 90
Views: 8735

Re: Does money/lack of money preoccupy you?

Obsessiveness is a form of anxiety, and the source of anxiety always lies in the future and is related to thoughts about what might or is going to happen. In that sense, obsessiveness can be defined as a necessary and desired approach to many situations that are complex, require much thought and ar...
by Cody6136
Mon Jun 17, 2019 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why are you NOT buying rental properties?
Replies: 555
Views: 49354

Re: Why are you NOT buying rental properties?

I can't stand realtors.
by Cody6136
Fri Jun 14, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 321
Views: 38347

Re: How Bad was 2008, really?

It was very bad but investments were only one component. Indeed. It may help to see the time in its entirety. Like the OP, I did not experience the pain of great financial loss personally, but it affected me just the same. I was a fundraiser, working at an animal shelter in a rural area. Donors had...
by Cody6136
Fri Jun 14, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 87
Views: 9062

Re: How safe are pensions in the U.S.?

There was just a Frontline program on PBS called "The Pension Gamble". It is worth watching. They concentrated on the public pensions in Kentucky. It was not a pretty story. I watched it and thought that Martin Smith did a tremendous job. I am ordering and reading the book about Kentucky's plan. Th...
by Cody6136
Fri Jun 14, 2019 3:46 pm
Forum: Personal Investments
Topic: Asset allocation for those in their late fifties
Replies: 35
Views: 3818

Re: Asset allocation for those in their late fifties

I'm 59 and currently at a 77 percent stocks, the rest in bonds/other and trying to make a smooth glide towards 60 percent stock

Rolling over and re-calibrating has been a journey, to say the least.
by Cody6136
Wed Jun 12, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: What financial information do you wish was more commonly known?
Replies: 50
Views: 8650

Re: What financial information do you wish was more commonly known?

mortfree wrote:
Tue Jun 11, 2019 9:39 pm
The so-called experts at the financial institutions aren’t helping you with your money.

They are helping themselves to your money.
+1. I like the way you put this!
by Cody6136
Tue Jun 11, 2019 4:51 pm
Forum: Personal Consumer Issues
Topic: Tips for new pet owner [puppy]
Replies: 71
Views: 4019

Re: Tips for new pet owner

A dog should never be more than 2 feet away from owner and on a leash when being walked in a public space. Nothing worse than dealing with people who allow their animals to roam away from them. This is funny. My dog is 100lbs. If he was never more than 2 feet away he’d literally be on my lap at all...
by Cody6136
Mon Jun 10, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 859
Views: 88397

Re: What frugal thing did you do today?

Replaced the overdue book from the library myself. Had I allowed the library to do this, it would have cost well over $29. Went on Amazon, bought for $5.25 and will get it to the library later this week. They were okay with this, and renewed it until I can deliver. No fines. I have turned my house u...
by Cody6136
Mon Jun 10, 2019 5:33 pm
Forum: Investing - Theory, News & General
Topic: short question
Replies: 15
Views: 1721

Re: short question

If you expect the share price to drop in the future, you borrow shares now and sell them. Then when the price drops as you expect, you buy the shares back and return them to the person who lent them to you. [...] Look up Bill Ackman and his short of Herbalife. For the OP, I include the obligatory q...
by Cody6136
Mon Jun 10, 2019 5:29 pm
Forum: Personal Consumer Issues
Topic: Luxembourg--worth visiting?
Replies: 30
Views: 2236

Re: Luxembourg--worth visiting?

Taking a personal vacation to Europe for a total time of 5 days is crazy. Says who? I went from Montana to Italy and had a wonderful time. I don't have much time off from my job and have family obligations and I studied Italian for two years before my trip. I don't regret a single thing. Sure, I wi...
by Cody6136
Fri Jun 07, 2019 8:05 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3296

Re: Chewy IPO

My thoughts are: I've never heard of it before. Found this, https://www.marketwatch.com/story/chewy-sets-terms-of-ipo-to-raise-up-to-1064-million-2019-06-03 and their website https://www.chewy.com/ My next thought was, can't I already order pet stuff from Amazon.com ? What does Chewy.com offer that...
by Cody6136
Fri Jun 07, 2019 10:37 am
Forum: Personal Investments
Topic: How to factor an Annuity into a 3-portfolio approach/allocation
Replies: 14
Views: 964

Re: How to factor an Annuity into a 3-portfolio approach/allocation

So, this is my first post. I have recently fired my financial advisor and am now at the helm of my own ship. With about a year of research under my belt, I am very excited to now be on this messageboard charting my own course. My plan is to implement a 3-fund bogglehead approach at Fidelity via iSh...
by Cody6136
Thu Jun 06, 2019 11:17 pm
Forum: Investing - Theory, News & General
Topic: short question
Replies: 15
Views: 1721

Re: short question

Silk McCue wrote:
Thu Jun 06, 2019 5:42 pm
I typed “short position” in the search bar on this site and found. It is a great way to learn and is what I do.

viewtopic.php?t=248717

Cheers
Handy! Thanks!
by Cody6136
Thu Jun 06, 2019 5:36 pm
Forum: Investing - Theory, News & General
Topic: short question
Replies: 15
Views: 1721

short question

What does taking a "short position" mean?
by Cody6136
Thu Jun 06, 2019 11:32 am
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4268

Re: This market just scares me...

Hey guys, I'm going to sound a little like an idiot here, but here goes... Over the last six months, I'm made it priority to take a more active role in my investments. I've - Read the two Bogleheads investing books - Decided on a 60/40 AA - Moved all my money from Betterment to Fidelity to start ma...
by Cody6136
Thu Jun 06, 2019 11:31 am
Forum: Personal Investments
Topic: This market just scares me...
Replies: 43
Views: 4268

Re: This market just scares me...

Hey guys, I'm going to sound a little like an idiot here, but here goes... Over the last six months, I'm made it priority to take a more active role in my investments. I've - Read the two Bogleheads investing books - Decided on a 60/40 AA - Moved all my money from Betterment to Fidelity to start ma...
by Cody6136
Wed Jun 05, 2019 1:13 pm
Forum: Personal Investments
Topic: Morgan Stanley's ridiculous fees, and transferring out
Replies: 7
Views: 1081

Re: Morgan Stanley's ridiculous fees, and transferring out

My employer deposits RSUs to Morgan Stanley. After years of paying them, I just found out how ridiculous the fees are: $10 for up to 1000 shares, OR, $0.02 per share for transactions involving greater than a thousand shares. This is particularly ridiculous because it costs $10 to sell 1000 shares, ...
by Cody6136
Wed Jun 05, 2019 11:04 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 948

Re: DCA on the way out, too? Even towards a conservative AA?

What is your current equity-heavy allocation? What are you thinking for your new conservative allocation? I yanked off the band aid yesterday. I'm moving into the bond index fund at Vanguard. I think you've done the right thing. You have gone from 88% stock to 60%? You are 58? When do you plan to r...
by Cody6136
Wed Jun 05, 2019 10:29 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 948

Re: DCA on the way out, too? Even towards a conservative AA?

What is your current equity-heavy allocation? What are you thinking for your new conservative allocation? I yanked off the band aid yesterday. I'm moving into the bond index fund at Vanguard. Since you asked, here goes, with too much information, I know. But keeping posting here is helping me maint...
by Cody6136
Wed Jun 05, 2019 10:17 am
Forum: Personal Investments
Topic: DCA on the way out, too? Even towards a conservative AA?
Replies: 13
Views: 948

Re: DCA on the way out, too? Even towards a conservative AA?

increment wrote:
Wed Jun 05, 2019 2:24 am
A common argument for DCA is that you transact more shares at a lower price than at a higher price.

That sounds desirable for acquiring shares. It does not sound desirable for selling shares.
I'm going to have to ponder this one...