Search found 2890 matches

by Chip
Tue May 26, 2020 2:09 pm
Forum: Personal Consumer Issues
Topic: Landscape Edger
Replies: 7
Views: 392

Re: Landscape Edger

I have rented a heavy duty device that edges beds, digging a small trench, and throwing the dirt up into the bed. It was very quick and effective and cut through roots. I was able to edge the circumferences of six large beds in 90 minutes or so. But it can't be used to edge next to sidewalks or driv...
by Chip
Tue May 26, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: Tax Gain Harvesting – how do you time your stock sales?
Replies: 12
Views: 370

Re: Tax Gain Harvesting – how do you time your stock sales?

I was selling an individual stock and reinvesting in stock index funds. I kept track of the ratio of relative prices and sold when that ratio seemed favorable, which of course was arbitrary and a guess. In 2019 I used up all but 10k of the tax bracket headroom that I had early in the year. As others...
by Chip
Tue May 26, 2020 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 29
Views: 1684

Re: Simple jobs during FATFire?

TheTimeLord wrote:
Tue May 26, 2020 12:54 pm
Then be like every other BH and pick a definition you like.
Not trying to argue with you about it. Just commenting on the lunacy of the financial samurai post. :D
by Chip
Tue May 26, 2020 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Simple jobs during FATFire?
Replies: 29
Views: 1684

Re: Simple jobs during FATFire?

https://www.financialsamurai.com/what-is-fat-fire-best-way-to-retire-early/ Fat FIRE allows you to: * Live in the most expensive cities in the world which all have wonderful culture, food, nightlife, entertainment, schools, and arts * Live in a comfortable house with at least three bedrooms, two ba...
by Chip
Tue May 26, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: Alarming Bid/Ask Spreads on ETFs
Replies: 44
Views: 3204

Re: Alarming Bid/Ask Spreads on ETFs

If I place a market order to sell 2000 shares I do not expect that it will all fill at 91.94 but it will all fill somewhere between 91.94 and 90.23. Now the new bid might return immediately to the original 91.94 and if so then I did not "move the market". ????? Doc, we covered this ground in the ot...
by Chip
Tue May 26, 2020 10:08 am
Forum: Investing - Theory, News & General
Topic: Are we better off now than Dec 2018?
Replies: 201
Views: 13018

Re: Are we better off now than Dec 2018?

We are looking to be in far worse shape over the next year than anything that was remotely contemplated in Dec 2018. Yet somehow people feel it is too late to sell. Stop anchoring you’re feelings around gains that you are not getting back anytime soon. That 3000 S&P is NOT Coming back anytime soon....
by Chip
Tue May 26, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Alarming Bid/Ask Spreads on ETFs
Replies: 44
Views: 3204

Re: Alarming Bid/Ask Spreads on ETFs

It's not just bid/ask spreads that are an issue. It's also trading volume that's important. And not just the average daily volume but also the depth of the bid ask spreads. Several weeks ago I started a thread on this issue. For a large trade it is easy to move the market against you if you do not ...
by Chip
Tue May 26, 2020 5:09 am
Forum: Personal Consumer Issues
Topic: Develop scotch/wine palate quickly and effectively
Replies: 25
Views: 1830

Re: Develop scotch/wine palate quickly and effectively

Now I'd really like to develop a palate so I can pick up the nuances and enjoy scotch more deeply. Note that many of us don't have the ability to develop the palate you're describing. I'm one of them. The sense of taste/smell just isn't there and likely never will be. OTOH, some people are so-calle...
by Chip
Tue May 26, 2020 4:45 am
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 120
Views: 9112

Re: Pandemic buys that have improved quality of life?

Been using 3-4 brands of whiskey for variety and we like Larceny also. For a Manhattan my favorite ingredients are Bulleit Bourbon, M&R sweet vermouth. I use a little more vermouth then traditional recipe, and add one level teaspoon of the Luxardo cherry juice with the cherry, as well as a couple o...
by Chip
Mon May 25, 2020 2:33 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 120
Views: 9112

Re: Pandemic buys that have improved quality of life?

A jar of Luxardo Cherries for superior Manhattan construction. I like the Luxardos but also really like these (in the 72 oz jar!): https://www.amazon.com/Royal-Harvest-Bordeaux-Maraschino-Cherries/dp/B01DEEES3I/ What's your preferred whiskey? We've settled mostly on Larceny bourbon. As for vermouth...
by Chip
Mon May 25, 2020 1:03 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 91
Views: 7053

Re: Examples of why NOT to hold individual stocks

Speaking for myself, I took this pretty seriously. This wasn't play money or lottery picks. My viewpoint was that I was investing in actual businesses for the long term. There are folks out there that treat the stock market as a lottery, I am not one of them. It does seem that a lot more of us were...
by Chip
Mon May 25, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1487

Re: Discount wine sites for upscale wine?

I found a couple threads with lots of good recommendations: https://www.bogleheads.org/forum/viewtopic.php?t=164346 https://www.bogleheads.org/forum/viewtopic.php?t=193253 For example, I have never tried Columbia Crest but it appears to be a fan favorite in both threads. It's certainly worth trying...
by Chip
Mon May 25, 2020 11:45 am
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 91
Views: 7053

Re: Examples of why NOT to hold individual stocks

Most of us that still hold individual stocks have a strategy behind it, I suspect most have either a Quality orientation or a Value orientation or a combination of both. I'm not sure there is any indication here that most people holding individual stocks have a "strategy". Most of what I see here i...
by Chip
Mon May 25, 2020 11:35 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

Clapper Rail Virginia Rail Nice gets. Very rare to see them long enough to get that good a picture. Congrats to your photographer buddy. I have a picture from a birding trip of six (!) humans standing by the side of the road trying to find a Clapper hiding in 2' tall grass not 5 feet off the road. ...
by Chip
Mon May 25, 2020 5:02 am
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1487

Re: Discount wine sites for upscale wine?

Horton wrote:
Sun May 24, 2020 7:04 pm
Any good and cheap red wine recommendations? I’m always looking to expand my selection.
Which reds do you like and currently drink? There's such a wide range of varietals and styles out there it's hard to make a recommendation without knowing a bit more about your tastes. And how cheap?
by Chip
Mon May 25, 2020 4:27 am
Forum: Personal Investments
Topic: Buying foreign ADRs on the OTC using Vanguard/Fidelity
Replies: 11
Views: 535

Re: Buying foreign ADRs on the OTC using Vanguard/Fidelity

However, there are 2 hints. I can't find the ticker in SEC's EDGER. It is trading OTC instead of real exchange. So I am going to guess unsponsored. I was able to find some EDGAR listings using company name instead of ticker. Several of the earlier F6EF filings use the word unsponsored, but I don't ...
by Chip
Sun May 24, 2020 7:34 am
Forum: Personal Investments
Topic: Buying foreign ADRs on the OTC using Vanguard/Fidelity
Replies: 11
Views: 535

Re: Buying foreign ADRs on the OTC using Vanguard/Fidelity

First, I would not recommend this at all, for the usual reasons expressed here. e.g. what advantage do you have over the professionals trading these companies? That said, in my pre-Boglehead days I held some OTCBB and pink sheet stocks at Fidelity. At least one or two were ADRs. I don't recall any f...
by Chip
Sat May 23, 2020 2:45 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

What time of the day would you recommend? And I presume one should get as close to the water as possible? We probably missed our opportunity this year, but I'm hoping to get on it next year. Not necessarily close to water, but definitely true for some birds (e.g. Wood Thrush). Most (all?) of the wa...
by Chip
Sat May 23, 2020 4:41 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

Jealous. Where do you live? I think migration in NJ is starting to wrap up. Upper Midwest. The Magnolias breed here, as do Northern Parulas. DW saw another Cerulean (perhaps the same one she saw before) earlier in the week. It's getting tougher to find the warblers as the most of the trees are full...
by Chip
Fri May 22, 2020 7:30 am
Forum: Personal Finance (Not Investing)
Topic: [Auto insurance companies issuing refunds due to coronavirus]
Replies: 101
Views: 6531

Re: [Auto insurance companies issuing refunds due to coronavirus]

A reminder for everyone who is driving less -- reduce your annual mileage estimate to your current and expected driving. You can always change it back if/when things change again.

It was a 25% reduction in premiums for me.
by Chip
Fri May 22, 2020 7:17 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

Very good looks in the backyard this morning at Chestnut-sided and Magnolia warblers. An okay look at a Yellow-throated warbler. Maybe a Canada warbler but it wasn't a good enough look to be sure. Eastern towhee was singing at the top of a dead tree.
by Chip
Thu May 21, 2020 2:10 pm
Forum: Investing - Theory, News & General
Topic: Impact of legislation delisting foreign companies
Replies: 15
Views: 671

Re: What to do about Alibaba?

A company which was delisted would have to find a way to buy out shareholders. Incorrect. Stocks that are delisted from the Nasdaq or NYSE can continue to trade in the OTCBB market or the pink sheets. There is NO obligation for the company to buy out shareholders. https://www.nasdaq.com/articles/wh...
by Chip
Tue May 19, 2020 4:48 am
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15528

Re: So what are you cooking

tooluser wrote:
Mon May 18, 2020 10:57 pm
Maybe it leeches in from the bag, maybe it's just my palate. Not too happy with it, but I will experiment further.
Leeches in the bag would definitely make it taste nasty. I would recommend buying the one without the leeches next time. :P
by Chip
Sun May 17, 2020 11:48 am
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1152

Re: Portfolio Review and Retirement Planning - Next 16 Years

My internet sleuthing to date indicates that the first 10 years of retirement is most critical for SORR. The graph below from Kitces provides a good visual representation of that fact, so this is the period that I'm targeting for lower equity allocation starting retirement. You have probably done m...
by Chip
Sun May 17, 2020 8:56 am
Forum: Personal Investments
Topic: Portfolio Review and Retirement Planning - Next 16 Years
Replies: 12
Views: 1152

Re: Portfolio Review and Retirement Planning - Next 16 Years

1. Should we consider a glidepath to reduce our equity exposure to start retirement with a more conservative allocation? I don't have a strong opinion one way or another on glidepaths. But 80/20 might feel a bit too aggressive once you retire. Things are just different once the paycheck is no longe...
by Chip
Sun May 17, 2020 6:37 am
Forum: Forum Issues and Administration
Topic: New bogleheads induction [Request for new subforum]
Replies: 55
Views: 3072

Re: New bogleheads induction

The forum is wonderfully equitable for all posters and acceptable topics. [...] Noises in the attic Oh boy. For anyone who hasn't read it, this is the classic Boglehead troubleshooting thread of all time: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=62092 Plus the followup threads: https:/...
by Chip
Sun May 17, 2020 6:16 am
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1636

Re: Weber Grill Will Not Light - Help

It's too bad that the OP already owns a Weber, depriving so many of the opportunity to recommend junking the old grill and getting a Weber. :twisted:
by Chip
Sat May 16, 2020 12:48 pm
Forum: Personal Consumer Issues
Topic: Tire shop returned my van with a broken part!
Replies: 27
Views: 1822

Re: Tire shop returned my van with a broken part!

I think the shop is being generous,I would take the deal and say thank you AND bring them cookies...or beer...either works in my shop. For refunding the customer for work they said they performed that was neither requested NOR authorized? Plus it's possible that no alignment was actually performed....
by Chip
Sat May 16, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: Tire shop returned my van with a broken part!
Replies: 27
Views: 1822

Re: Tire shop returned my van with a broken part!

I don't think it's obvious that the winch design is poor. This shop appears to be pretty sleazy and is likely trying to cover their butt. Who do you trust more; the guys that broke it or the Toyota engineers that designed it? Do you intend to take down the review? If you do they will likely pull the...
by Chip
Fri May 15, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: [Rant] Vanguard Letters
Replies: 6
Views: 1099

Re: [Rant] Vanguard Letters

Changing passwords annually does not actually increase your security. If it is causing problems, stop doing it. https://arstechnica.com/information-technology/2016/08/frequent-password-changes-are-the-enemy-of-security-ftc-technologist-says/ There's a big difference between what the OP is doing and...
by Chip
Fri May 15, 2020 1:43 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5189

Re: Secrets to a great lawn

Also doesn't smell great. I spread a couple of cups or so around trees in the late fall. Percolates down by spring and keeps the deer from munching on lower branches. They don't like the smell, I guess. We use it around hostas which apparently are some sort of deer ice cream or crack cocaine. It's ...
by Chip
Fri May 15, 2020 1:37 pm
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5189

Re: Secrets to a great lawn

I just bought bottles of Tenacity and surfactant, but haven't used it yet. Whenever you use a new herbicide my advice is to test it out on a small part of your lawn first, so that you can be certain that (a) you are applying it correctly, (b) it doesn't do too much harm to your turf, and (c) it rea...
by Chip
Fri May 15, 2020 9:59 am
Forum: Personal Consumer Issues
Topic: Tire shop returned my van with a broken part!
Replies: 27
Views: 1822

Re: Tire shop returned my van with a broken part!

RobLyons wrote:
Fri May 15, 2020 9:26 am
Now that I'm reading the bill, the charge was for an alignment with balance.
Alignment?? You have got to be kidding me. A flat tire doesn't create need for alignment. If the shop observed a wear pattern on the tires that necessitated an alignment they should have called you.
by Chip
Fri May 15, 2020 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Selling home - low ball negotiation
Replies: 145
Views: 12052

Re: Selling home - low ball negotiation

The broker (notice I didn’t say “your broker”) isn’t incentivized to get you the best deal. They are incentivized to sell the house quickly. I wouldn’t rely on them at all for your offer/counter off strategy. Brokers with this attitude don’t last very long in the broker business. That's certainly n...
by Chip
Fri May 15, 2020 7:30 am
Forum: Personal Consumer Issues
Topic: Secrets to a great lawn
Replies: 65
Views: 5189

Re: Secrets to a great lawn

I bought a 2 gallon hand pump sprayer, a bottle of non-ionic surfercant, a bottle of dye and an 8 oz bottle of Tenacity for pre and post emergent herbicide. It's the synthetically derived molecule of the bottlebush plant that basically stops chlorophyll production in weeds, they turn white after ab...
by Chip
Thu May 14, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: New Brake Pads
Replies: 87
Views: 4062

Re: New Brake Pads

When you replace the pads or shoes on your rear brakes, "you worked on that too". The emergency brake is not a separate braking system , just a separate activation of the same brakes the OP would be replacing if they are the rear set. I hope you never work on my brakes as you don't seem to know a l...
by Chip
Thu May 14, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

Got an indigo bunting two days ago in the backyard. Heard at least 3 black-throated green warblers but can't get eyes on the little suckers.
by Chip
Thu May 14, 2020 4:49 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13315

Re: Coronavirus Flight Cancel Thread

Any proven tips to help him get out of this mess? :beer I think there are some great tips right in this thread. Assuming Frontier hasn't cancelled or significantly rescheduled the flights, I think your brother just has to wait for them to do one of those two things. Then he will be eligible for ref...
by Chip
Wed May 13, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Medicare insurance premiums
Replies: 25
Views: 1529

Re: Deducting Medicare insurance premiums

Thanks to all who helped me! I filled out the medical info on the Federal and the medical worksheet did appear in the state forms. Unfortunately the Medicare premiums did not exceed 7.5% of my Federal AGI, but most importantly...I understand and appreciate all who helped!! Did you also enter all of...
by Chip
Tue May 12, 2020 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Medicare insurance premiums
Replies: 25
Views: 1529

Re: Deducting Medicare insurance premiums

Chip, You are probably correct, however on the form I see it uses the term “unreimbursed” on lines 1, 2, and 4. Ace Sorry about that. I commented without looking at the current worksheet and was going from memory. You are correct that the current form says unreimbursed. It appears to have changed f...
by Chip
Tue May 12, 2020 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Medicare insurance premiums
Replies: 25
Views: 1529

Re: Deducting Medicare insurance premiums

Do I have to go through the itemization process on Federal to get the forms? I just bypass that seeing as the standard deduction is way more. Yes. But you only have to enter medical expenses, not all of your Federal itemized deductions. The software will know to take the standard deduction on your ...
by Chip
Tue May 12, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Deducting Medicare insurance premiums
Replies: 25
Views: 1529

Re: Deducting Medicare insurance premiums

If you were eligible for Medicare part of the year (perhaps this occurred in 2017 ?), any unreimbursed premiums paid before you were eligible for Medicare are not subject to the 7.5% AGI and thus deductible in Ohio. A minor correction to your thorough answer: I believe the word "unreimbursed" above...
by Chip
Tue May 12, 2020 1:39 pm
Forum: Personal Investments
Topic: Market vs. Limit Orders
Replies: 59
Views: 3576

Re: Market vs. Limit Orders

When I tried to do exactly that at Fidelity, the online system would not allow me to do it. My recollection is that I entered an amount, say $45.67, that was slightly above the asking price, clicked "place order," and it popped up a message saying something curt like "error, $45.67 exceeds asking p...
by Chip
Sun May 10, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 224
Views: 13315

Re: Coronavirus Flight Cancel Thread

If you were in my shoes? What would you do? I am leaning towards cancelling this month and getting the 24 month voucher. But I am not a seasoned traveler and am wondering if I am jumping the gun too much on this. Thanks! I would wait if you would rather have a refund than a voucher. They aren't goi...
by Chip
Sun May 10, 2020 6:21 am
Forum: Personal Investments
Topic: Portfolio review! A Betterment to Vanguard switcher with mostly taxable.
Replies: 19
Views: 2159

Re: Simplifying a portfolio in this downturn?

- I'm wondering: is this the right time to do it, when markets are down? - And given these combinations, as far as I can tell Betterment was trying to engineer these to avoid wash-sale rules in conversions. Holding for 30 days is not out of the question if I want to be paranoid about wash sales, bu...
by Chip
Wed May 06, 2020 1:28 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

Went to a county park on Monday. Among the highlights: Cerulean Warbler Yellow Warbler American Redstart Blue-winged Warbler Nashville Warbler Kentucky Warbler Northern Parula Warbler Ovenbird Common Yellowthroat Yellow-breasted Chat Red-eyed Vireo White-eyed Vireo Rose-breasted Grosbeak Wood Thrush...
by Chip
Sun May 03, 2020 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to lower tax on short term capital gains. Do conservation easements work?
Replies: 136
Views: 8879

Re: Trying to lower $800k tax on short term capital gains. Do conservation easements work?

OP, as others have said, just pay the taxes. Ask anyone who fell for the limited partnership tax dodges of 80s. You got to avoid $10,000 of taxes by ultimately losing $20,000. Don't ask me how I know. :oops: Here's a nice article about all the bad things that happened with those partnerships: https:...
by Chip
Sun May 03, 2020 2:02 pm
Forum: Personal Investments
Topic: Deviating from "set it and forget it" investment approach
Replies: 63
Views: 4842

Re: Deviating from "set it and forget it" investment approach

Where's a good place to start to find a great hourly-based advisor? I have no direct experience, but Allan Roth is well regarded here on Bogleheads. Also, Boglehead regular Harry Sit (username=tfb, aka The Finance Buff) offers a service to help find a fee-only advisor (not an investment manager) to...
by Chip
Sat May 02, 2020 3:55 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5682

Re: Should I buy a new rice cooker from Zojirushi?

2) Excess water method. More like cooking pasta, 6 parts water, one part rice. Bring water to a boil first, add rice, cook for 30 minutes, drain well, cover and let steam for 10 minutes, fluff with fork. The only problem I have ever had was if I did not fully drain the rice. Once I started using th...
by Chip
Sat May 02, 2020 9:00 am
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 463
Views: 15996

Re: Bird watchers – what birds are you seeing?

This morning we had Yellow-throated Warbler, Black-throated Green Warbler, Yellow-rumped Warbler, Yellow-throated Vireo, plus the usual assortment of backyard birds.