Search found 80 matches

by beehivehave
Fri Nov 22, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: What Powered Such a Great Decade For Stocks?
Replies: 36
Views: 3285

Re: What Powered Such a Great Decade For Stocks?

It's pretty simple: Capital has been experiencing increasing profits as the result of gains in productivity- generally at the expense of labor's historical share. Labor's share of income measured both by historical levels and productivity gains was at the lowest level after the Great Recession, but ...
by beehivehave
Tue Nov 05, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Your Fantasy Kitchen (Cookware-wise)
Replies: 57
Views: 4148

Re: Your Fantasy Kitchen (Cookware-wise)

A sous vide machine for fork-tender dishes and an old fashioned crock pot for soups. Slow cookers also make great spare ribs.
by beehivehave
Tue Nov 05, 2019 3:53 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6368

Re: Do you wash berries?

To anyone who doesn't wash produce: Don't ever invite me to dinner, in general all your sanitary habits are suspect. Prove to me that rinsing produce under non-sterile city water (which is usually full of chemicals) without soap is effective at removing any of the things you are fearful of (bacteri...
by beehivehave
Thu Oct 31, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12157

Re: Apple Pay. Does anyone use it?

Keeping track of credit cards is trouble enough and until apple is accepted everywhere seems to me another complication rife with additional unknown security issues. But I get it, it's what the cool kids do.
by beehivehave
Thu Oct 31, 2019 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 358
Views: 129568

Re: How to Minimize Your Emergency Care Expenses

A big point missed is why you have to go to the ER in the first place. 1. Be healthy 2. Don't do stupid stuff It's great to be prepared, but it's even greater to prevent the trip. Most of all, inherit good genes. Yes! Although, as we get older, my understanding is that "good genes" play a lesser ro...
by beehivehave
Thu Oct 31, 2019 7:21 pm
Forum: Personal Investments
Topic: If I save $65,000 a year for the next 25 years
Replies: 34
Views: 4231

Re: If I save $65,000 a year for the next 25 years

Will that be enough to retire off of? If you are not a crazy spender, use low cost Vanguard funds, and earn 5%, yes. Of course, depends on inflation, etc. $3,322,374.49. If my computations are correct: After 25 years of 3% inflation compounded annually, I think that amount ($3.3M) will be worth abo...
by beehivehave
Thu Oct 31, 2019 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Layoff: Need Assurance That We Will Be Okay
Replies: 153
Views: 12566

Re: Possible Layoff: Need Assurance That We Will Be Okay

With no kids and all that money, you will be fine. You can always find another job, even at a much reduced salary and even if it takes years, just to cover medical insurance and ease the draw on your savings. It might even be a blessing in disguise as you can take stock as to what you really want to...
by beehivehave
Tue Oct 29, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: Gated Community--Balancing Security/Access
Replies: 20
Views: 1356

Re: Gated Community--Balancing Security/Access

The primary purpose of a gated community is to give residents a false sense of security and hence get higher prices for the homes. There is also the snob appeal of faux "exclusivity".
Cameras, alarm systems and a dog are far better security measures and probably much less expensive.
by beehivehave
Tue Oct 29, 2019 1:41 pm
Forum: Personal Investments
Topic: 529/son got accepted to medical school whahoooo!
Replies: 53
Views: 8344

Re: 529/son got accepted to medical school whahoooo!

Son just got accepted to medical shool this week. Due to an incredible investing education learned on this board, I have enough money in a 529 to pay for all four years. He earned his way through college with scholarships and working. It is currently 90 percent in stocks and 10 percent bonds. Shoul...
by beehivehave
Mon Oct 28, 2019 5:00 pm
Forum: Personal Consumer Issues
Topic: Window well problems
Replies: 10
Views: 688

Re: Window well problems

You can buy clear plastic window well covers at Home Depot or Lowe's. We once lived in a house with window wells, and one of the first fixes we did after moving in was install window well covers, and never had any problems there. Thanks but not the problem because water is not coming down the well,...
by beehivehave
Mon Oct 28, 2019 4:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4806
Views: 1252482

Re: What Movie Have You Recently Watched?

El Camino , on Netflix. It got a bit confusing on the flashback vs. current time tracks, but the movie was very good. A flashback scene with his former chemistry teacher was hilarious - subtle, yet very effective. Another scene near the end of the movie was in the style of Quentin Tarantino. You me...
by beehivehave
Mon Oct 28, 2019 4:53 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2419

Re: Popeyes Chicken Sandwich [is it a good value]

I'd be curious how it compares to KFCs double down https://pixel.nymag.com/imgs/daily/grub/2014/10/23/23-kfc-double-down.w710.h473.2x.png That image is just....frightening. That said, is it delicious? Not as delicious as it is unhealthy. If I am going to eat unhealthy, I can think of a lot of tasti...
by beehivehave
Mon Oct 28, 2019 4:14 pm
Forum: Investing - Theory, News & General
Topic: The Gap Between Large and Small Companies Is Growing. Why?
Replies: 21
Views: 1953

Re: The Gap Between Large and Small Companies Is Growing. Why?

Control of technology is more critical than ever for growth.
And when was the last time anti-trust laws were enforced?
Ask Google, Amazon, Apple, Facebook, etc.
by beehivehave
Mon Oct 28, 2019 4:07 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2419

Re: Popeyes Chicken Sandwich [is it a good value]

I am sure most people by now have heard about the Popeyes fast food chain Chicken sandwich. They are releasing it again next week, November 3rd. Supplies are expected to last longer than last time when they sold out in 2 weeks and there were large lines with delays at most locations. I didn't get t...
by beehivehave
Mon Oct 28, 2019 4:01 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2419

Re: Popeyes Chicken Sandwich [is it a good value]

I'd be curious how it compares to KFCs double down https://pixel.nymag.com/imgs/daily/grub/2014/10/23/23-kfc-double-down.w710.h473.2x.png Should be called Double Down on A Heart Attack. 1800mg sodium and 32 g fat. But low in calories "only" 540. Definitely not for someone with heart problems. No do...
by beehivehave
Mon Oct 28, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Popeyes Chicken Sandwich [is it a good value]
Replies: 40
Views: 2419

Re: Popeyes Chicken Sandwich [is it a good value]

Never had Popeye's sandwich but their real chicken is the best of the chains. A chicken with real bones in it is going to be moister and better than any sandwich, including Chick-fil-A, which is awful IMO.
by beehivehave
Mon Oct 28, 2019 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 358
Views: 129568

Re: How to Minimize Your Emergency Care Expenses

Driver and all passengers wear seat belts. Children in appropriate car seats What I have never understood: 1. People are allowed to carry their babies in their arms on airplanes. 2. Most states do not require seat belts on school buses. As usual, the US is behind many other countries in this regard...
by beehivehave
Mon Oct 28, 2019 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 358
Views: 129568

Re: How to Minimize Your Emergency Care Expenses

pdavi21 wrote:
Wed Mar 20, 2019 11:11 pm
A big point missed is why you have to go to the ER in the first place.
1. Be healthy
2. Don't do stupid stuff

It's great to be prepared, but it's even greater to prevent the trip.
Most of all, inherit good genes.
by beehivehave
Mon Oct 28, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Window well problems
Replies: 10
Views: 688

Window well problems

We have an exit window well that fills with mud from the bottom up when it rains. There are two pipes from the window well to a sump pump; one intake drains the window well, the other is connected to a drain around the interior house perimeter. A lot of mud and water bubbles up from a compromised tr...
by beehivehave
Fri Oct 11, 2019 11:56 pm
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6656

Re: Artificial Intelligence and the stock market

Imagine someone looking above your head as if you were a 6th grader and they were a college kid. Now imagine someone looking at that college kid the same way, and then someone looking at that guy like he was as sixth grader. That's about the strength of AI right now with respect to chess. I anticip...
by beehivehave
Thu Oct 10, 2019 10:37 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4772

Re: Cheap Cell Phone Plan

This is one of the most discussed subjects on the internet.
Example:
https://www.mymoneyblog.com/list-of-che ... month.html
by beehivehave
Thu Oct 10, 2019 10:00 am
Forum: Personal Consumer Issues
Topic: Cheap Cell Phone Plan
Replies: 48
Views: 4772

Re: Cheap Cell Phone Plan

Need a cell phone for occasional use. Must be able to text. Any ideas? If all you need is talk and text, there are many cheap pay-as-you-go flip phone plans. There are also many custom pre-paid plans that will cost you no more than $5-$10 a month. I would start with pay-as-you-go to see if that mee...
by beehivehave
Thu Oct 10, 2019 9:54 am
Forum: Investing - Theory, News & General
Topic: Artificial Intelligence and the stock market
Replies: 65
Views: 6656

Re: Artificial Intelligence and the stock market

Unlike chess and other closed system games, the stocks depend on many exogenous factors in the real world that are unpredictable - management, consumer sentiment, politics, wars, climate, etc. Worse, their longer term effects are also unpredictable. While AI may be useful in limited circumstances fo...
by beehivehave
Wed Oct 09, 2019 3:37 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3466

Re: Consumer Reports

I believe their evaluations are about as good as you can get. However, it is important to remember that they evaluate based on items like cost, reliability and function. For those who are also interested in appearance, you would be wise to be certain and look at photos or the object itself. This ma...
by beehivehave
Wed Oct 09, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: My mechanic just wrecked my car - advice?
Replies: 101
Views: 8187

Re: My mechanic just wrecked my car - advice?

How old is older? Are you in the market for a new (or new to you) vehicle? I think that I would probably ask the mechanic to buy the vehicle at market value from me, and then I would buy a new to me vehicle instead. I wouldn't want a car that had been in a collision and repaired, due to no fault of...
by beehivehave
Wed Oct 09, 2019 3:21 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports
Replies: 36
Views: 3466

Re: Consumer Reports

For what I usually buy, Amazon reviews are excellent and generally reflective of product quality. Except for car review, I am not sure what consumer reports would offer than Amazon reviews do not. Amazon reviews are very often rigged. CR reviews are at least honest attempts conducted by objective e...
by beehivehave
Fri Oct 04, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5138

Re: Home repair - paying cash (dollar bills)

A check is fine, as it is auditable and proof in case of a dispute. The contractor avoids the processing fee.
Someone who wants cash is no doubt avoiding taxes and probably routinely violates other laws and cuts other corners as well.
by beehivehave
Fri Oct 04, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Home repair - paying cash (dollar bills)
Replies: 60
Views: 5138

Re: Home repair - paying cash (dollar bills)

A check is fine, as it is auditable and proof in case of a dispute. The contractor avoids the processing fee.
Someone who wants cash is no doubt avoiding taxes and probably routinely violates other laws as well.
by beehivehave
Fri Oct 04, 2019 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: How do you handle quarterly tax payments?
Replies: 45
Views: 3716

Re: Retirees: How do you handle quarterly tax payments?

Just take 110% of what you paid the previous year and divide by 4 to avoid underpayment penalties. This assumes same income as previous year + inflation/tax increases. But If income is 95% less than prior years and will continue that way for at least 2+ years more (and until a ROTH conversion is ev...
by beehivehave
Thu Oct 03, 2019 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How do you handle quarterly tax payments?
Replies: 45
Views: 3716

Re: Retirees: How do you handle quarterly tax payments?

It's pretty simple. Just take 110% of what you paid the previous year and divide by 4 to avoid underpayment penalties. You can also make a larger payments in some quarters if you have unexpected gains or distributions as technically you don't have to pay tax on income until you realize it, but there...
by beehivehave
Tue Oct 01, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Improving the TSP [for current participants]
Replies: 418
Views: 62558

Re: Improving the TSP [for current participants]

Today, I faxed my completed application to the TSP to transfer my Roth TSP to a brokerage firm. In accord with the rules, my wife and I had to sign the application before a notary. What irks me is that when I set up my planned large lump sum TSP transfer to a brokerage firm and when I set up my pla...
by beehivehave
Tue Oct 01, 2019 2:23 pm
Forum: Personal Investments
Topic: Best Place To Park Cash?
Replies: 17
Views: 3137

Re: Best Place To Park Cash?

Why not a FDIC insured online high yield savings account? 0 chance you lose any principal, and at least for right now many of them pay over 2%. Who is paying over 2%? I can't vouch for any of these banks, since I have not personally tried them, but they are FDIC insured (a few other Bogle Heads hav...
by beehivehave
Tue Oct 01, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Uber in foreign countries
Replies: 25
Views: 1732

Re: Uber in foreign countries

Last year I needed an Uber for Mumbai hotel to the airport. The price on my app was almost twice the amount on the hotel staff Local uber app. That's very interesting. I have used Uber overseas a lot and was not aware that this could happen, but it makes sense - Uber is the master of price discrimi...
by beehivehave
Tue Oct 01, 2019 9:15 am
Forum: Personal Consumer Issues
Topic: Ants immune to Terro or just lots of ants?
Replies: 38
Views: 3066

Re: Ants immune to Terro or just lots of ants?

I like to use the old school dangerous chemicals complete with a respirator. Remove any pets you'd like to keep first. You know it works by the body count. Ah, I remember the days of going to a lawn and garden shop to buy a paper bag full of chloradane. Definitely killed ants. But, I didn't ever us...
by beehivehave
Sat Sep 28, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6368

Re: Do you wash berries?

To anyone who doesn't wash produce: Don't ever invite me to dinner, in general all your sanitary habits are suspect.
by beehivehave
Fri Sep 27, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5996

Re: Bonds returns are on par with Stocks?

This is interesting... Marketwatch reports some research that says over the very long term (30+ years) return on Bonds are the same as Stocks! https://www.marketwatch.com/story/this-explosive-discovery-about-stock-and-bond-returns-will-shake-your-views-on-investing-2019-09-27?mod=mw_theo_homepage A...
by beehivehave
Fri Sep 27, 2019 4:06 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5996

Re: Bonds returns are on par with Stocks?

The problem is that it is accepted as a truism that stocks will always outperform bonds in the "long run". That begs the question of how to define the long run and more to the point, assumes that based on a limited sample of several decades it will always be the case. When you own stocks you own co...
by beehivehave
Fri Sep 27, 2019 3:52 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5996

Re: Bonds returns are on par with Stocks?

This is interesting... Marketwatch reports some research that says over the very long term (30+ years) return on Bonds are the same as Stocks! https://www.marketwatch.com/story/this-explosive-discovery-about-stock-and-bond-returns-will-shake-your-views-on-investing-2019-09-27?mod=mw_theo_homepage A...
by beehivehave
Fri Sep 27, 2019 3:46 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5996

Re: Bonds returns are on par with Stocks?

3) The idea of common stocks as being prudent and relatively safe investments if held for the long term is a 20th-century idea. As far as I know, it wasn't really in the air before the 1924 publication of Edgar Lawrence Smith's Common Stocks as Long Term Investments , and echoed in John Jakob Rasko...
by beehivehave
Fri Sep 27, 2019 3:04 pm
Forum: Personal Consumer Issues
Topic: Beyond Meat Burger? Do you like?
Replies: 119
Views: 9518

Re: Beyond Meat Burger? Do you like?

Unless you have moral objections to eating animals, I see little reason to substitute a more expensive, inferior-tasting processed food for actual meat. Not all "vegan" foods are nutritionally superior to meat - Beyond Meat has more sodium, more artificial ingredients and the same amount of saturate...
by beehivehave
Fri Sep 27, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Index Funds are bad because in tough times traders sell a lot?
Replies: 30
Views: 2658

Re: Index Funds are bad because in tough times traders sell a lot?

I was having an argument with a friend today and he was saying how Index Funds are bad investments because during an approaching recession, large investors will dump substantial amounts of index fund shares making the price drop hard and quick. Is there really any logic to this any moreso than what...
by beehivehave
Fri Sep 27, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: Bonds returns are on par with Stocks?
Replies: 98
Views: 5996

Re: Bonds returns are on par with Stocks?

The main flaw I see is that you can selectively choose starting and ending dates to make any point you like in investing and make a good headline for an article. For example: 1976-2011: Gold is a much better investment than stocks over the long run 1980-2019: Gold is a terrible investment that can ...
by beehivehave
Fri Sep 27, 2019 2:35 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6368

Re: Do you wash berries?

Yes, I was berries. I was the watermelon before cutting it. Seriously! Not a bad idea, since you may transmit toxins from the skin in the process of cutting it. The FDA advises: Thoroughly rinse raw fruits and vegetables under running water before eating or preparing them, especially fruits that re...
by beehivehave
Fri Sep 27, 2019 2:27 pm
Forum: Personal Consumer Issues
Topic: Do you wash berries?
Replies: 83
Views: 6368

Re: Do you wash berries?

Anyone with any common sense at all will wash them. Every health authority tells you to do this. Do you wash food you drop on the floor? It does no harm and may eliminate at least some pesticides and residue. For example, ecoli are mostly in soil, so any contact with that soils can be harmful and wa...
by beehivehave
Thu Sep 26, 2019 9:41 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4361

Re: Fine Art Investments

If we are talking about these alternative luxury investments, I'd suggest fine liquors like whiskeys instead of art. It's hard to quantify art by any measure, but whiskeys are dated, and I'm confident that a 40 year old bottle will be more rare than it was at 10 years. And if it doesn't work out, y...
by beehivehave
Thu Sep 26, 2019 9:39 am
Forum: Personal Investments
Topic: Fine Art Investments
Replies: 77
Views: 4361

Re: Fine Art Investments

Like gold, fine art pays no dividends and its value is subject to the whim of crowds. I would do it only if it was already a hobby or you enjoyed and can afford it regardless of monetary appreciation or lack thereof.
by beehivehave
Thu Sep 26, 2019 9:33 am
Forum: Investing - Theory, News & General
Topic: Long Term Bond Funds from age 70 to 80?
Replies: 12
Views: 1396

Re: Long Term Bond Funds from age 70 to 80?

Unless using a ladder strategy and planning to leave no legacy, linking the maturity of bonds to life expectancy makes about as much sense as considering only yields while ignoring capital growth in assessing net worth.
by beehivehave
Thu Sep 26, 2019 9:26 am
Forum: Personal Consumer Issues
Topic: Thought provoking non-fiction for 3rd grader
Replies: 51
Views: 2528

Re: Thought provoking non-fiction for 3rd grader

Childhood of Famous Americans series of books. This is an older series of hundreds of books by various authors about the bios of many famous Americans centering on their childhood - the last chapter always features them as adults. Scientists, presidents, inventors, explorers, sports stars, etc. Orig...
by beehivehave
Wed Sep 25, 2019 4:14 pm
Forum: Personal Investments
Topic: Merrill Lynch Advisor wants to meet for coffee
Replies: 108
Views: 9724

Re: Merrill Lynch Advisor wants to meet for coffee

That will be the most expensive cup of coffee you ever drank.