Search found 731 matches

by HoosierJim
Mon Jun 01, 2020 11:08 am
Forum: US Chapters
Topic: Chicagoland virtual meeting
Replies: 12
Views: 2335

Re: Chicagoland virtual meeting

Just a reminder, we are meeting Wednesday June 3 at 8 PM CENTRAL. Private message me with your email if you would like to join.

Meeting last about 60 minutes.
by HoosierJim
Wed May 20, 2020 11:49 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1924
Views: 208217

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

I've tired of Hollywood productions... My new definition of shows include Youtube "channels". Just want to put in plug for a Youtube series - currently watching various farm videos where farmers show projects and technologies on the farm. Their stories of honest hard work, tilling the land and multi...
by HoosierJim
Sun May 17, 2020 12:45 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10143

Re: Paul Tudor: Compelling case for bitcoin ?

I use Google Pay at Aldi's - touch free - settled in $USD. So not compelled yet for bitcoin until collapse of major currencies then we all have bigger problems.
by HoosierJim
Fri May 15, 2020 10:41 am
Forum: US Chapters
Topic: Chicago virtual Bogleheads meeting
Replies: 8
Views: 692

Re: Chicago virtual Bogleheads meeting

Our next meeting is Wednesday June 3 at 8 pm CENTRAL time. A meeting invite has been sent to everyone in the distribution list. PM me if you want to join.
by HoosierJim
Thu May 14, 2020 11:52 am
Forum: Personal Consumer Issues
Topic: Cheap Chromebook vs Laptop PC quality/options for child
Replies: 40
Views: 2150

Re: Cheap Chromebook vs Laptop PC quality/options for child

Friend who manages hundreds of these Chromebooks really likes them.

Unless you need some pc application that was unavailable on a Chromebook, I would never get another PC to deal with Windows, backups, program loading, etc.
by HoosierJim
Wed May 13, 2020 1:11 pm
Forum: US Chapters
Topic: Chicago virtual Bogleheads meeting
Replies: 8
Views: 692

Re: Chicago virtual Bogleheads meeting

Hi I do t live in Chicago anymore but would love to join the virtual meeting We don't check or care where you live, send me a private message with your EMAIL address so I can add you to the distribution and meeting invites. Meeting is tonight at 8 pm CENTRAL time. Send me a pm with email if you wan...
by HoosierJim
Mon May 11, 2020 7:01 pm
Forum: US Chapters
Topic: Chicago virtual Bogleheads meeting
Replies: 8
Views: 692

Re: Chicago virtual Bogleheads meeting

Will incorporate those topics into the agenda.
by HoosierJim
Sat May 09, 2020 9:48 am
Forum: Personal Consumer Issues
Topic: Rocks or Mulch?
Replies: 37
Views: 2022

Re: Rocks or Mulch?

Do you like the view or would you rather create your own view? How about ornamental evergreens near the fence. When they grow up you will have a wall of evergreens.

Image
by HoosierJim
Thu May 07, 2020 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Pandemic Unemployment Assistance - College Internship
Replies: 5
Views: 482

Re: Pandemic Unemployment Assistance - College Internship

Definitely apply with all the facts. The state will determine eligibility. Sounds like your son is underemployed? DEPENDING on the state. Unemployment benefits are available to employees who are out of work temporarily, through no fault of their own. Most people who collect unemployment have lost th...
by HoosierJim
Thu May 07, 2020 1:28 pm
Forum: US Chapters
Topic: Chicago virtual Bogleheads meeting
Replies: 8
Views: 692

Chicago virtual Bogleheads meeting

After a few months off, we are planning on meeting via Google Meet on 5/13 at 8 pm. Private message me with your email address if you would like to be on the distribution and get the meeting link. (pro tip - you don't have to live in Chicago to join)
by HoosierJim
Thu Apr 30, 2020 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: SS Spousal Benefit..Pros and Cons?
Replies: 7
Views: 542

Re: SS Spousal Benefit..Pros and Cons?

Let's say you worked for 40 quarters at the maximum social security taxable income ($137,000 for 2020). Just for fun, assume self employed so you are paying both the employee & employer contribution. The tax rate is about 15% - so about $20,500 for 10 years. Ignoring time value of money and rate cha...
by HoosierJim
Thu Apr 30, 2020 5:11 am
Forum: Personal Finance (Not Investing)
Topic: PPP Loan ethics
Replies: 56
Views: 3697

Re: PPP Loan ethics

Is the $15k salary per year? If so, you should already have an ethical issue.
by HoosierJim
Sat Apr 25, 2020 8:17 am
Forum: Personal Investments
Topic: Rethinking annuities with a strong portfolio
Replies: 30
Views: 1365

Re: Rethinking annuities with a strong portfolio

Not considering it until later in life especially if I think I am loosing my facilities. The only reason is to keep some shark from talking me out of my portfolio. You seem to have a large diversification considering your real estate. Since you didn't factor your SS at 70, seems like your portfolio ...
by HoosierJim
Thu Apr 23, 2020 11:11 am
Forum: Personal Consumer Issues
Topic: life insurance companies busy?
Replies: 3
Views: 274

Re: life insurance companies busy?

It will be interesting to see if the NET death rate is all that different. Social distancing may have clipped off some deaths with the end of the flu season. A small mortality percent of elective surgeries aren't happening. Traffic is low - lots less accidents and deaths. 2019 traffic deaths were 38...
by HoosierJim
Fri Apr 17, 2020 9:23 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8239

Re: Frugal quarantine habits to keep

Cooking everything from home. Was not a big "go out to eat" person but some of the tv commercials really look appetizing.

For some reason, I really want a JERSEY MIKE sub sammich.
by HoosierJim
Mon Apr 13, 2020 8:47 pm
Forum: Personal Consumer Issues
Topic: Lawn tractor not starting
Replies: 35
Views: 1482

Re: Lawn tractor not starting

Drain and replace the gas too.
by HoosierJim
Fri Mar 13, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252498

Re: What Book Are You Currently Reading? Part VI

Reading Joseph Campbell's and Bill Moyers' The Power Of Myth.
by HoosierJim
Fri Mar 13, 2020 1:04 pm
Forum: Personal Investments
Topic: Who is staying course and how are you dealing with net worth going down?
Replies: 359
Views: 25894

Re: Who is staying course and how are you dealing with net worth going down?

Scoured through accounts for any avail cash to buy this week. Hoping to not need any stock $$$ for 10 years.
by HoosierJim
Wed Feb 12, 2020 8:41 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27269

Re: Protection Against Home Intruders

abuss368 wrote:
Wed Feb 12, 2020 8:29 am
Another option from someone I know was to hang up fake cameras. It works.
Real cameras aren't much more. Checkout these Wyze cameras
by HoosierJim
Wed Feb 12, 2020 8:08 am
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27269

Re: Protection Against Home Intruders

Read of something similar in the next town over. Thief woke up the owner with "where's the cash"

We have almost no cash in the house (sometimes less than $10), wonder if a thief would believe us.
by HoosierJim
Tue Feb 11, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Worried About AI Taking Your Job?
Replies: 54
Views: 3590

Re: Worried About AI Taking Your Job?

That's why you should retire a soon as financially possible. Another option is learn the tools used to shape data, train models and test ai results. We are not yet at the point where you point it at all the data and say tell me what I don't know. In the future, AI tools will be like using excel for ...
by HoosierJim
Fri Jan 31, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: For those of you that include your vehicle(s) in your net worth, how do you determine its value?
Replies: 66
Views: 2644

Re: For those of you that include your vehicle(s) in your net worth, how do you determine its value?

Just as some people on this site, we drive our cars until they don't move anymore so the asset value depends on how much gas is in the tank.
by HoosierJim
Mon Jan 27, 2020 2:46 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169675

Re: What frugal thing did you do today?

I did try to wash it yesterday (50 degrees), but the hose was inside the garage and was still frozen. Same here but found a place about 2 miles away that has a spray clean booth type car wash. Traveled recently to a place with tons of salt on the streets and car and underside was coated. Got 4 minu...
by HoosierJim
Wed Jan 15, 2020 9:36 am
Forum: Personal Consumer Issues
Topic: Chicago 'special occasion' but not 'expense account' restaurant recommendations?
Replies: 54
Views: 3623

Re: Chicago 'special occasion' but not 'expense account' restaurant recommendations?

We like Greek Islands in Greek town. Great food, diverse menu, and always great service. You can get in and out quick or linger as long as you want. More info here.

Good central location, valet parking or street metered parking (get the app)
by HoosierJim
Fri Dec 27, 2019 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can you gift or donate mature savings bonds?
Replies: 3
Views: 359

Re: Can you gift or donate mature savings bonds?

HueyLD wrote:
Fri Dec 27, 2019 3:12 pm
Alternatively, you can give them to charities after you are deceased.
Wife says it would be cheaper to have me killed. Since we can't talk about crimes on this forum, she has to pay extra to make it look like an accident.
by HoosierJim
Fri Dec 27, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can you gift or donate mature savings bonds?
Replies: 3
Views: 359

Can you gift or donate mature savings bonds?

Let's say I have a $1000 in savings bonds that just matured but not yet cashed in. I paid $500 for it a long time ago and it's now worth $2100 with a potential gain of $1600. Before cashing in, could I donate this to a deserving charity or gift it to an undeserving relative? If so, would I have any ...
by HoosierJim
Fri Dec 27, 2019 1:26 pm
Forum: Personal Consumer Issues
Topic: Tall airtight box
Replies: 26
Views: 1866

Re: Tall airtight box

You could use window film plastic. Just wrap the statue and use a hair dryer to seal it up. If the statue is like the Statue of Liberty - you could use boat shrink wrap.
by HoosierJim
Fri Dec 27, 2019 10:24 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4396
Views: 1252498

Re: What Book Are You Currently Reading? Part VI

The Last Days of the Romanovs by Helen Rappaport from our local library ebook service.

Lots of details of an unsuitable, inept leader that would have rather been a farmer and the tragedy of his family.
by HoosierJim
Fri Dec 27, 2019 10:03 am
Forum: Personal Consumer Issues
Topic: Yet Another Retiring to Florida Thread - Pros/Cons
Replies: 93
Views: 9362

Re: Yet Another Retiring to Florida Thread - Pros/Cons

Was looking at census data for % of people over 65. Shows most states between 15 and 17 % with Florida at about 20 percent 65 and older.

Not defending Florida but does 3 to 5 people per 100 really make that much difference?

Ohio - about 17.1%

Florida - about 20.5%
by HoosierJim
Thu Dec 19, 2019 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Is anyone here surviving without a credit card?
Replies: 85
Views: 4284

Re: Is anyone here surviving without a credit card?

Could I survive? Possibly but I liked charging my $1.98 coffee when travelling recently. I am pretty cheap and splurged on the coffee (should have brought the thermos). Note: just because I have a credit card, doesn't mean I have to spend wildly . When just getting gas, I would rather pay at the pum...
by HoosierJim
Wed Dec 18, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help
Replies: 18
Views: 1097

Re: Working on a room heater Pilot light will not stay on flame very weak when holding down Pilot light button.Need help

The orifice may be plugged or dirty. Get this tool to insure it's clean.

I had this happen on a hot water heater and it turned out the gas regulator on the gas meter was providing an erratic low pressure. Gas company changed the meter and regulator and it fixed the problem.
by HoosierJim
Tue Dec 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1474
Views: 169675

Re: What frugal thing did you do today?

Recently replaced two window regulators (power window won't go up). Seems to be a design flaw. Once paid $400 at one dealer and $500 at another for similar work. Regulator was about $35 and tool for popping off the door was about $5 . First one took an hour (mostly rewatching the video during the pr...
by HoosierJim
Tue Dec 17, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: US Postal Worker - why give them a gift?
Replies: 45
Views: 2291

Re: US Postal Worker - why give them a gift?

My tipping/gifting rule is for only people that make minimum wage jobs or jobs that are below minimum wage and rely on tips (such as servers) and especially not occupations that have a pension.
by HoosierJim
Sun Dec 08, 2019 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: ACA policies - how do you pay for a $0 policy?
Replies: 10
Views: 1114

ACA policies - how do you pay for a $0 policy?

Has anyone ever had to pay for a $0 policy. Playing around with incomes on the health care.com sight, you can get a $0 per month plan. Just how would you prove you paid for this? Anybody ever have this problem?
by HoosierJim
Sun Dec 08, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Home and auto camera setups?
Replies: 9
Views: 784

Re: Home and auto camera setups?

I don't have a location to plug into in front of my house, so this wouldn't work for me. Was hoping wireless. May add an outlet or two down the line though! If you have no outlets but have a light bulb socket, [ur=https://www.amazon.com/USB-Light-Bulb-LampCharger-Rechargeable/dp/B01EPC102Al]they ma...
by HoosierJim
Fri Dec 06, 2019 9:51 am
Forum: Personal Consumer Issues
Topic: Cable Cord Cutting more complicated than expected
Replies: 96
Views: 8131

Re: Cable Cord Cutting more complicated than expected

fyi - if you have an antenna, you can record and playback on any tv with these devices. Looks like there is an ongoing, after the first year, of a $35/year tv guide service. I have a Windows Media setup and recent saw a popup about microsoft support issues for the guide as of 1/1/2020 so I may be mo...
by HoosierJim
Fri Dec 06, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Home and auto camera setups?
Replies: 9
Views: 784

Re: Home and auto camera setups?

I have a three wyze cams outside - I used this page to get some ideas . If you can find a place inside the eave, in a protected place, it should work fine. In one area I bent some aluminum sheet to protect the camera. A portion of the aluminum sheet slides under the shingles and is nailed and sealed...
by HoosierJim
Thu Dec 05, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Declining Customer Service AT&T
Replies: 24
Views: 1533

Re: Declining Customer Service AT&T

Not sure how you can use AT&T and customer service in the same sentence.

We used to give them a lot of money for phones, mobile, internet, and home phone. NEVER AGAIN.
by HoosierJim
Wed Dec 04, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that allow total solitude and are night jobs
Replies: 60
Views: 4482

Re: Jobs that allow total solitude and are night jobs

cheese_breath wrote:
Wed Dec 04, 2019 5:22 pm
dm200 wrote:
Wed Dec 04, 2019 5:13 pm
Embalmer at a funeral home or several funeral homes.

Almost all "interaction" would relate to the "deceased".
Or at least they're deceased when you finish the embalming.
And like doctors, you bury your mistakes.
by HoosierJim
Wed Dec 04, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Jobs that allow total solitude and are night jobs
Replies: 60
Views: 4482

Re: Jobs that allow total solitude and are night jobs

Bridge tender.

Doorman at a senior housing unit.
by HoosierJim
Mon Dec 02, 2019 10:54 am
Forum: Personal Investments
Topic: Will artificial intelligence reduce the cost for long-term care?
Replies: 68
Views: 3265

Re: Will artificial intelligence reduce the cost for long-term care?

Automation tends to replace expensive, high payback or dangerous work. As stated above, harvesting is very labor intensive. But here is a machine that does strawberry harvesting. Or carrot harvesting. , or the Wizard of Oz. Take assisting people to use a shower or toilet. The work is hard and can be...
by HoosierJim
Mon Dec 02, 2019 9:34 am
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14902

Re: High income and college costs question

MathIsMyWayr wrote:
Mon Dec 02, 2019 9:05 am
One day a former physicist told me "we are doing ONLY engineering" with a sad smile.
THIS is why Seldon makes fun of Howard (who has a Masters in Engineering from MIT).

In the 1960's, engineers helped put a person on the moon. Now they figure out how to get you to click on an ad. :happy
by HoosierJim
Mon Dec 02, 2019 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Amex cost to restaurant
Replies: 41
Views: 4701

Re: Amex cost to restaurant

They all think of it as "my business's margins are 5% with cash; if I accept Visa that's down to 2.5%; if I accept American Express that is down to 1%. And that's pre-tax." (Restaurants usually have 3-5% profit margin. So accepting American Express can cost them 25%-33% of their profits.) Yes, was ...
by HoosierJim
Sun Dec 01, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Where to buy the CD version of Microsoft Office?
Replies: 20
Views: 1981

Re: Where to buy the CD version of Microsoft Office?

RickBoglehead wrote:
Sun Dec 01, 2019 6:14 pm
Nothing legitimate about it. They are reselling licenses. A simple Google search shows that.
They may be reselling MSDN licenses which is not legal. Buyer beware. Google is getting delisting requests due to copyright.
by HoosierJim
Sun Dec 01, 2019 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14902

Re: High income and college costs question

Most any degree would be good in the current environment. We've been at near FULL EMPLOYMENT for college graduates for a few years now. That practically gets people in the door. Once you have a job you can demonstrate competence. Note many peers are not very competent so you can advance. Except in s...
by HoosierJim
Sun Dec 01, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Amex cost to restaurant
Replies: 41
Views: 4701

Re: Amex cost to restaurant

rage_phish wrote:
Sun Dec 01, 2019 5:16 pm
My dads restaurants never took Amex. Too expensive ...Was never an issue losing customers
You never know about customers you don't have.

We had company issued Amex cards for travel. Never went anywhere that didn't take Amex.
by HoosierJim
Sun Dec 01, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14902

Re: High income and college costs question

livesoft wrote:
Sun Dec 01, 2019 9:54 am
HoosierJim wrote:
Sun Dec 01, 2019 9:50 am
What is you have a $10,000,000 home paid off and no other assets?
You won't get financial aid, but you will be able to declare bankruptcy since you will not be able to pay the utility bills much less the property taxes.
That's what the $149,999 in income is for.
by HoosierJim
Sun Dec 01, 2019 9:54 am
Forum: Personal Consumer Issues
Topic: Soundbar for TV vs. bluetooth receiver connected to old stereo?
Replies: 27
Views: 2160

Re: Soundbar for TV vs. bluetooth receiver connected to old stereo?

I was doing the same thing with stereo but sound bar had wireless subwoofer and remote speakers. so the sound bar is plugged into the TV but the subwoofer and 2 remote speakers are wireless which is nice.