Search found 342 matches

by MichaelRpdx
Mon Aug 27, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: How often do you change your HVAC filters?
Replies: 57
Views: 3202

Re: How often do you change your HVAC filters?

Also in the Pacific Northwest, we have the same sized filter as you do and change them every six months.
We do see a build up of dust in ours. We also heat more than you do.
by MichaelRpdx
Mon Aug 27, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2273
Views: 1442787

Re: The Three-Fund Portfolio

Prior to finding Bogleheads, I was interviewing potential Financial Advisors. One of them provided me with their recommended Portfolio........a 56 page document !!!! 56 pages !!!! Might just have well been in a foreign language !!! And they wanted 1% to manage. Yes, I'm grateful I found you folks. ...
by MichaelRpdx
Thu Aug 23, 2018 11:55 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: [What TV Show Have You Recently Watched?]

I'm now flip flopping back and forth between watching: Father Brown Midsomer Murders With 20 Seasons of Midsomer Murders you'll be busy for awhile. We've just started into season two of A Very Secret Service . French farce set in the inner workings of their secret service in the early 1950s. Very s...
by MichaelRpdx
Thu Aug 23, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3130

Re: I love my job but DW hates location and I'm underpaid

I guess I spoke too soon. What exactly does IT Security involve and how does it differ from other IT work? Just curious and sorry for being ignorant of that. Sounds like an interesting career choice. The foundation involves ensuring * Confidentiality * Integrity * Availability In essences, making s...
by MichaelRpdx
Thu Aug 23, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2273
Views: 1442787

Re: The Three-Fund Portfolio

Prior to finding Bogleheads, I was interviewing potential Financial Advisors. One of them provided me with their recommended Portfolio........a 56 page document !!!! 56 pages !!!! Might just have well been in a foreign language !!! And they wanted 1% to manage. Yes, I'm grateful I found you folks. ...
by MichaelRpdx
Thu Aug 23, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5423

Re: Test your cognitive biases

ResearchMed wrote:
Wed Aug 22, 2018 7:39 pm
Okay, so after all of these Supremely Wonderful Scores, who will 'fess up to a lesser score, or an outright "low" one?

Also, do the "confidence" scores actually factor in to the "result", or is that just for the research in some other way?

RM
me. I'm in the middle. I am also surprised.
by MichaelRpdx
Thu Aug 23, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3130

Re: I love my job but DW hates location and I'm underpaid

I know people in IT (development, systems user support) at Wells Fargo and TD Bank in the NY/Philly area with decades of experience and they are being paid in the low 90s. And the pressure I hear is crazy and the jobs tend to be insecure. One was fired after a couple of years. So the OP should NOT ...
by MichaelRpdx
Thu Aug 23, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3130

Re: I love my job but DW hates location and I'm underpaid

Your salary is pretty good. Big telecom is paying highly experienced developers $80K - $85K in HCOL areas. Less experienced IT people are paid in the $60K range, and raises are small and infrequent and the pressure is high. But there are tons of people lining up for these jobs since the competition...
by MichaelRpdx
Thu Aug 23, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: [What TV Show Have You Recently Watched?]

I just finished Season 6 of Orange is the new Black . It got somewhat better towards the end of the series, so it kept my interest. On my Netflix list: Disenchantment , created by Matt Groening (the Simpsons). I would expect it to be similar to the Simpsons but set in medieval times. I don't see th...
by MichaelRpdx
Thu Aug 23, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: [What TV Show Have You Recently Watched?]

I just completed the entire Peaky Blinders series. Great suspense, fine characters, lots of mystery and surprises.

However, the closing scene is a bone chilling indictment of what raw power can do in our society.
by MichaelRpdx
Wed Aug 22, 2018 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: I love my job but DW hates location and I'm underpaid
Replies: 28
Views: 3130

Re: I love my job but DW hates location and I'm underpaid

I am a CISA and CISSP. I used to do audit and now do IAM. Honesly I'm more happy doing IAM than audit or policy stuff. I rather do stuff that deal with policy or the non-practical side of audit. Go for the telecommute and start your job search. Those credentials are in demand and telecommuting is b...
by MichaelRpdx
Mon Aug 20, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5538

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

I'm part of the crowd decrying "just three?" Qualifier: three today, they'll be a different three if I answer again. "Just three" is a useful construct. You provide the three that you recite when you are awoken in the middle of the night, not the ones that are on your night table. Long and unlimite...
by MichaelRpdx
Mon Aug 20, 2018 10:31 am
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 48
Views: 5538

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

I'm part of the crowd decrying "just three?" Qualifier: three today, they'll be a different three if I answer again. Fiction: If on a Winter's Night a Traveler A Moveable Feast Years of Rice and Salt Non Fiction: The Hero with a Thousand Faces A Pattern Language Let Us Now Praise Famous Men Financia...
by MichaelRpdx
Sun Aug 19, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: [What TV Show Have You Recently Watched?]

On Netflix, Midnight Diner: Tokyo Stories is a warm hearted series of slice of life stories.
The Wikipedia article provides a reasonable summary.

Disclaimer: must be subtitle tolerant.
by MichaelRpdx
Sun Aug 19, 2018 12:45 pm
Forum: Investing - Theory, News & General
Topic: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio
Replies: 210
Views: 36399

Re: Taylor's New Book: The Bogleheads' Guide to The Three-Fund Portfolio

My dear wife has never found an investing resource that didn't make her eyes glaze over.
Until now.

She read The Boglehead's Guide to the Three-Fund Portfolio. She now understands why and how our retirement funds are invested.

This is such a relief. Thank you so much.
by MichaelRpdx
Thu Jun 21, 2018 8:20 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2273
Views: 1442787

Re: The Three-Fund Portfolio

Amazon alerted me to expect my copy of the book on June 29. Yay!

Any of you get alerts?
by MichaelRpdx
Fri Apr 27, 2018 8:08 am
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10714

Re: How did you tell the boss you're leaving/retiring?

If you respect your workspace you can give larger notice to help with burn down. If you don’t care (which would be this case if you are worried about your bosses reaction) just give standard 2 weeks. You don’t need to tell them you are retiring. What? Why? If you don't care just leave. People are l...
by MichaelRpdx
Fri Apr 27, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7442
Views: 1557598

Re: U.S. stocks in freefall

Is the freefall here yet?
Part of my retirement planning was a big drop at some point. This wimpy recent volatility doesn't seem like a big deal. I'd be happy to be wrong.
by MichaelRpdx
Thu Apr 26, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: How did you tell the boss you're leaving/retiring?
Replies: 129
Views: 10714

Re: How did you tell the boss you're leaving/retiring?

It was this time last year. On April 7 I'd been admitted to ER due to ... well the details aren't that important. Boss and I talked about it and I mentioned I'd been planning to retire in two or three years but I wanted to move the date up. He understood completely and we left the matter open. There...
by MichaelRpdx
Thu Mar 29, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Total return vs dividends
Replies: 54
Views: 6084

Re: Total return vs dividends

A portfolio composed of 50% Intermediate term US treasuries + 50% FTSE all world equities generates a portfolio yield of 2.35%. An AWR (annual withdrawal rate) of 2.35%. Assuming a term of 30 years most people want an AWR of 3 to 4%. However the OP wrote: If my portfolio will generate enough divide...
by MichaelRpdx
Wed Mar 28, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 62
Views: 5170

Re: Computer Security

Another explanation of why a Chromebook is a good idea.
https://www.cnet.com/news/how-google-ch ... y-experts/
by MichaelRpdx
Thu Mar 15, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: Netflix, Your Current Favorite Show

We've started in on Four Seasons in Havana.
Set in Cuba in the late 1990s it is visually beautiful.
by MichaelRpdx
Fri Mar 02, 2018 9:47 pm
Forum: Personal Consumer Issues
Topic: Google Pixel 2 Users-Experience So Far?
Replies: 37
Views: 3021

Re: Google Pixel 2 Users-Experience So Far?

https://en.wikipedia.org/wiki/Pixel_2#Issues Wow, what a list of problems. Reading it was like reading a novel - because they are so unfamiliar to me. I've had my Pixel 2XL since they first became available, having traded in my Nexus 6P for one. I did have a warranty exchange after the microphone q...
by MichaelRpdx
Thu Mar 01, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Question for older bicyclist, coming back from injury
Replies: 42
Views: 2858

Re: Question for older bicyclist, coming back from injury

How do you come back from that? How do I avoid the fear? What kind of things should I do to mitigate this kind of injury? My front tire slid out on a corner (oversteering? sand on the roadbed? hit some other trash?) I lost three teeth (despite helmet) and got generally banged up. As luck would have...
by MichaelRpdx
Sat Feb 24, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: Expat Living
Replies: 58
Views: 7206

Re: Expat Living

Spain, the top retirement destination, is much cheaper than the US. And, including healthcare, any of them is a good savings. And Portugal is even cheaper. For those interested in armchair exploring and searching: The Earth Awaits by default allows you to specify and search on world region(s) of in...
by MichaelRpdx
Sat Feb 24, 2018 9:55 am
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11792

Re: What's your cash position

I also believe that one can have some ability to gauge relative performance among asset classes over the next decade, based on starting valuations and a tendency for mean reversion over such periods. So, as I see short term no-penalty CDs offering a return that in my view is a good 50% or more of w...
by MichaelRpdx
Sat Feb 24, 2018 9:50 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: Netflix, Your Current Favorite Show

An easy binge, as there are only two episodes so far, My Next Guest (Needs no Introduction) with David Letterman.
An informal interview show with Dave and one guest. Barack Obama and George Clooney are the guests on the first two shows.

Looks like there will be one a month.
by MichaelRpdx
Fri Feb 23, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47151

Re: What frugal thing did you do today?

Some of the younger staff that I work with don't even value learning how to drive...they're perfectly content with just using a bike or uber, which blows my mind. The world is changing, and not necessarily for the better. Considering the high cost of car ownership and the huge health benefits of cy...
by MichaelRpdx
Thu Feb 22, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47151

Re: What frugal thing did you do today?

I went to my art store looking for big canvases for my next painting. The big on 48x60 is about $100 or more, so while deciding that, the store employee said to buy the 48x48 for $20 instead, they are on sale. That’s what I did, I figured since I never painted on a big canvas before, maybe I should...
by MichaelRpdx
Wed Feb 21, 2018 7:45 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1502

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color? I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using. Yes, I'm a fan of daylight color temps. I'm very picky about lighting color. If I had 6500k bulbs I'd be sitting around the house in sunglasses 8-) I do mean temp, not i...
by MichaelRpdx
Wed Feb 21, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1502

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color? I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using. Yes, I'm a fan of daylight color temps. I'm very picky about lighting color. If I had 6500k bulbs I'd be sitting around the house in sunglasses 8-) I do mean temp, not i...
by MichaelRpdx
Wed Feb 21, 2018 5:42 pm
Forum: Personal Consumer Issues
Topic: Recessed 4 inch LEDs: Recommended brands
Replies: 25
Views: 1502

Re: Recessed 4 inch LEDs: Recommended brands

Why 2700K color?

I've been switching to LEDs. While my wife doesn't know the details she is happy with the 6500K bulbs I'm using.
Yes, I'm a fan of daylight color temps.
by MichaelRpdx
Wed Feb 21, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: Do you wear a wedding band? [at a job interview]
Replies: 157
Views: 11673

Re: Do you wear a wedding band? [at a job interview]

I've only taken off my wedding band to have it resized after weight loss. I've interviewed three times since we married.

So, in answer to your question, yes I wear it during interviews.
by MichaelRpdx
Wed Feb 21, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11792

Re: What's your cash position

Maxed a couple rewards checking accounts for cash. $20k earning 4.6% interest in one account, $10k earning 3% in another. Better than what I can do with bonds and I don't risk the bond fund dropping in value and selling it at a loss whenever I need the money. That's incredible! I was not aware that...
by MichaelRpdx
Tue Feb 20, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: What's your cash position
Replies: 105
Views: 11792

Re: What's your cash position

We have ~18 months projected spending in cash. This includes funds for large emergency purchases.

After retiring last fall I started sleeping through the night. It's a great feeling.
by MichaelRpdx
Mon Feb 19, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95730

Re: Netflix, Your Current Favorite Show

bertilak wrote:
Mon Feb 19, 2018 5:51 pm
I must say my favorite shows are on Amazon!

One thing I prefer about Netflix: If they have it, you can watch it. Amazon will often offer up something you need to pay extra for.

I hate that!
Name names please.

Yeah, Amazon Prime free stuff seems like a tease to get you to pay per view items.
by MichaelRpdx
Sun Feb 18, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 81
Views: 10899

Re: Can someone help me explain to my wife...?

Her opinion is that we should sell all of our index funds in our Roth IRA, take the profit now in the fund, because surely the bottom will fall out soon. My opinion is that I've always been told to simply contribute the max, do 70/30 for our age range, and then forget about it until age 65. She say...
by MichaelRpdx
Sat Feb 17, 2018 6:01 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47151

Re: What frugal thing did you do today?

On my weekly grocery shopping trip, I stopped by the cafe next store and bought a cup of regular coffee...went back to pick up my groceries and after I finished my shopping and coffee, I went back to the cafe and got my spouse a cup of decaf with my free refill. :D Sometimes frugal boarders on the ...
by MichaelRpdx
Thu Feb 15, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47151

Re: What frugal thing did you do today?

HongKonger wrote:
Wed Feb 14, 2018 11:04 pm
I hit my target of 180 meals in the freezer - all cooked from scratch using produce grown in my garden.
I also bartered some nuts and fruit from the garden that I had in the freezer in return for some cookies.
Wow! That is incredible.
by MichaelRpdx
Mon Feb 12, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 8808

Re: I’m not renewing my Costco membership.

Should you ever need hearing aids renew your membership. Why? The testing is better than at the three private audiologists I had experience with Zero, absolutely zero, upsell pressure Pricing is extremely low Batteries are a fraction of the price you'll find elsewhere Get the units cleaned for free ...
by MichaelRpdx
Mon Feb 12, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2273
Views: 1442787

Re: The Three-Fund Portfolio

"VTSAX is 100% equities. What about a balanced portfolio like a Three Fund investor would have?" Michael: My comparison, was between the stock " Fund of the Decade " and the stock fund in The Three-Fund Portfolio which should please Three-Fund investors. Nothing more. Best wishes. Taylor Sure, I un...
by MichaelRpdx
Mon Feb 12, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2273
Views: 1442787

Re: Average is Better

Bogleheads: Does it pay to be " average " by using total market index funds? Here is the answer: In 2010 Bruce Berkowitz, manager of the Fairholme Fund (FAIRX) was named "Morningstar Fund Manager of the Decade. " Investors poured into the fund. On February 9, 2018, Morningstar compared the average ...
by MichaelRpdx
Sun Feb 11, 2018 10:59 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11004

Re: How does one emotionally keep it together during market swings?

Has there ever been a time in your life when the stock market has not recovered from a downturn? I’ve been asking people this for 30 years and have only received one answer, “No”. Considering your profession that indicates you've asked thousands of people. Even correcting for survivorship bias this...
by MichaelRpdx
Sun Feb 11, 2018 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford to move to a lower paying career?
Replies: 53
Views: 5626

Re: Can I afford to move to a lower paying career?

I'm stone cold sober, 60, and like many others in with the drunk 36yr old.

Why do you even need to ask this question? Have you not seen peers die from heart attacks, strokes, or other health related illnesses?

The real question is "can I tolerate Minnesota winters?"
by MichaelRpdx
Sun Feb 11, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7442
Views: 1557598

Re: U.S. stocks in freefall

Hey, I've been vacationing for a week and not watching the news. Have I missed anything?
by MichaelRpdx
Sun Feb 11, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: What are the structure problems with whole life insurance?
Replies: 15
Views: 1923

Re: What are the structure problems with whole life insurance?

Food for thought. Early in my career I had to model returns from whole life products over the life of the investment. One huge drag on the investment value was the insurance broker being paid a first year commission equal to the first year premiums. Not in all cases, just most of them. The agent wou...
by MichaelRpdx
Sun Feb 11, 2018 4:28 pm
Forum: Investing - Theory, News & General
Topic: How does one emotionally keep it together during market swings?
Replies: 118
Views: 11004

Re: How does one emotionally keep it together during market swings?

Experience helps. Get experience by watching your account values every.single.day for years.and.years. Also, read 5 books on Behavioral Finance and take them to heart. Getting the experience cited above will lead to boredom with market swings. It is also helpful to review when you need to convert y...
by MichaelRpdx
Sat Feb 10, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 7952

Re: Suggest coffee maker please

A filter cone option especially suited for adjusting strength to taste is the Clever Dripper . I've linked to one of several models. It has a spring loaded valve in the base. This allows you can steep the beans in your hot water to achieve the taste you'd like. You have no worries about a filter all...
by MichaelRpdx
Sun Feb 04, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47151

Re: What frugal thing did you do today?

I think that’s the standing joke. Lighten up a bit. Somebody's first post here is a standing joke? Interesting. Extra points to the first poster having read enough here to post a standing joke. On Topic Content: I combined a trip to Costco, the library, and the hardware store. My annual car mileage...
by MichaelRpdx
Sat Feb 03, 2018 8:15 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 21449

Re: Bitcoin in Freefall

telemark wrote:
Fri Feb 02, 2018 7:25 pm
We need a new set of signals for doing technical analysis on cryptocurrencies. Oh no, it's the infamous Adleman Omen! The Diffie-Hellman Curve is the perfect forward buy signal. And so on.
Make it the Diffie-Hellman Ecliptic Curve and I'm all in.