Search found 499 matches

by Finridge
Tue Oct 23, 2018 12:10 am
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 248
Views: 25487

Re: PSA: Don't buy a big house

- Most light bulbs are out of reach without a very tall ladder - Bulbs in the hallways and great room require a lift or uncommonly tall ladder (16-ft A-frame or higher) You need this: https://www.homedepot.com/p/Commercial-Electric-11-ft-Pole-Light-Bulb-Changer-Kit-with-Attachments-CE-600SDLB12/100...
by Finridge
Wed Oct 17, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1401

Re: your favorite ereader?

Kindle Paperwhite in my estimation can be superior to actual paper due to ease of reading in low light areas like airplanes, bad hotel rooms and the bathroom :-) Even in good light, I much prefer my Kindle Paperwhite to reading a real paper book (except only in the case of books where there area lo...
by Finridge
Wed Oct 17, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: your favorite ereader?
Replies: 28
Views: 1401

Re: your favorite ereader?

Yet another vote for the Kindle Paperwhite. I'd get one of the new waterproof ones. They are not out yet, but available for pre-order. A lot of libraries let you check books out to your Kindle. You can do this at home on the Internet, and there is nothing to return to the library--the book just expi...
by Finridge
Sun Oct 14, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: trip to Grand Cayman & dieting [while on vacation]
Replies: 40
Views: 2757

Re: trip to Grand Cayman & dieting

Additionally, I've been on a calorie restricted diet for the past few months - losing weight and happy with my progress. I've also completely given up alcohol. I'm going to be sitting down for many fancy meals with my family, but I don't want to look frumpy or overly scrupulous. I wonder if anyone ...
by Finridge
Thu Oct 11, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Relaxing in America during this current market drop
Replies: 20
Views: 4213

Re: Relaxing in America during this current market drop

Ron Scott wrote:
Thu Oct 11, 2018 10:12 pm


So it’s not the point of the thread, but would have to know where I’m invested and what I have to “get” it.
Do share.
by Finridge
Thu Oct 11, 2018 12:46 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3175

Re: Kirkland (Costco) Razor

BTW, I can get 1-2 months of use out of one of the Mach 3 cartridges, by simply cleaning them well with hot water and drying them thoroughly on my towel before putting the razor away. YMMV, EV- I can usually get 3+ months use out of a Mach 3 cartridge. Towards the end, they are noticeably less shar...
by Finridge
Tue Oct 09, 2018 8:40 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3175

Re: Kirkland (Costco) Razor

How about IPL it all and you won't have any beard or moustache forever? Home device starts at $100 That's what I'm doing since I can't grow a full beard... Moustache just look stupid in most people. Also, I did it for armpit hair, I have 0 growth now. Hair traps odor, I have no more smell and deodo...
by Finridge
Tue Oct 09, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3175

Re: Kirkland (Costco) Razor

Have you tried using a double edge safety razor? Razors are cheap :) No thanks. I used those cheap double-edged safety razors before discovering the Mach 3. It's not just that the Mach 3 has 3 blades, but the way it's spring-loaded cartridge functions. Try it out and you probably won't go back. If ...
by Finridge
Tue Oct 09, 2018 8:06 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100119

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

Season 3 of The Man in the High Castle came out on Amazon Prime Streaming, and we're watching that. It's pretty good, especially the world-building.

I'ts not a documentary. At least not yet. :?
by Finridge
Tue Oct 09, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Neighbors tree branch growing too close to my house
Replies: 48
Views: 3905

Re: Neighbors tree branch growing too close to my house

Check if the laws are different where you live, but generally you are within your rights to cut any branches that cross into your property right at the property line. But the polite thing to do, and the best way to stay on good terms with your neighbor, is to relay your concern to him and tell him t...
by Finridge
Tue Oct 09, 2018 7:53 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2326

Re: Child is HS senior: Should college fund have any equities?

I have always kept 100% equities in 529 plans. My daughter graduated from HS in 2010 ....and.....continues to be in "college" (med school). All money was 50:50 domestic: Intt going in. Coming out I withdrew whatever component was ahead in the stock market (mostly domestic stocks). Obviously I have ...
by Finridge
Wed Oct 03, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5697

Re: Is an emergency fund just about market timing?

And as JoMoney points out, the stock market has no obligation to be open during your emergency. ;) Neither do banks or credit cards, so I'm unclear what options people are suggesting? Keeping six months in cash in a safe in the house? I can use my credit card or debit card *right now* Credit cards ...
by Finridge
Wed Oct 03, 2018 1:03 am
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5697

Re: Is an emergency fund just about market timing?

Given that equities are perfectly liquid nowadays and generally free to trade (or at the very least, functionally free), what is the rationale for keeping an emergency fund when you can just sell investments to meet any expenses? They get a lot less liquid at the times people are most likely to los...
by Finridge
Wed Oct 03, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: Is an emergency fund just about market timing?
Replies: 103
Views: 5697

Re: Is an emergency fund just about market timing?

I don't see the need for a separate sizable emergency fund (other than a modest buffer in checking) if you have liquid investments in taxable. Have several credit cards available. In a pinch, just charge it, and then withdraw funds from the taxable account to cover the credit card bill before any in...
by Finridge
Tue Oct 02, 2018 8:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 75
Views: 9764

Re: livesoft is almost at 50,000 posts...

livesoft is always worth reading.
by Finridge
Tue Oct 02, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 9132

Re: My biggest mistake - market timing

I wouldn’t get back in until you and your husband understand and internalize two things — 1. Stocks are risky. Values go up; values go down. You should only invest in stocks if you believe that over the long-term they provide enough return to compensate for that risk. Therefore, 2. Stocks are long ...
by Finridge
Tue Oct 02, 2018 8:34 pm
Forum: Personal Consumer Issues
Topic: Playing with FIRE(Financial Independence) documentary trailer.
Replies: 35
Views: 5389

Re: Playing with FIRE(Financial Independence) documentary trailer.

I probably would not watch it, for the same reason as why someone who has found a diet that works for her won't need to read a book on dieting and weight loss. If the movie comes out, I will recommend it to several people I know, but they probably won't watch it either, for the same reason as why ma...
by Finridge
Tue Oct 02, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10793

Re: SEC charges Musk with Fraud!

Tesla is part of my portfolio. And if you also have an S&P 500 fund or Total Stock Market Fund in your holdings, it's part of your portfolio also. The great thing about Boglehead investing is that we don't need to worry about the foibles of headstrong CEO's. Even if Musk runs Tesla into the ground, ...
by Finridge
Tue Oct 02, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement
Replies: 135
Views: 17290

Re: Rich, Broke or Dead: Visualizing probabilities of outcomes in early retirement

Thanks for posting this tool. I like how it shows the probability of death right up there as part of the possible portfolio outcomes. Seeing the "grey wedge" of death grow and grow exponentially to where it becomes the final (and only) outcome--that sure is sobering. It puts things in their proper p...
by Finridge
Mon Oct 01, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25474

Re: What is your single most expensive mistake?

Keeping "dry powder" to invest into index funds on market dips. The investments I made doing this did well, but I would have done even better if I'd just invested the funds immediately as they became available. I didn't think of what I was doing as market timing, but that is what I was doing, and it...
by Finridge
Mon Oct 01, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: another chromebook or?
Replies: 13
Views: 1371

Re: another chromebook or?

Seriously, How is it that two major tech corporations can't solve this issue? This is a real problem, and a real impediment to using a chromebook as your primary computer. One solution that was suggested here on this forum: Save your print job to a pdf on a thumb drive. Plug the thumb drive into yo...
by Finridge
Mon Oct 01, 2018 2:38 am
Forum: Personal Consumer Issues
Topic: Solar LED Lanterns/Luci Lights or Similar?
Replies: 4
Views: 512

Re: Solar LED Lanterns/Luci Lights or Similar?

My brother and I are working inside an older barn on family property to clear out some old trunks of family records/heirlooms etc. There is no electricity available and it's rather dark in there even on a sunny day. I notice the RV crowd uses some Solar LED lanterns called Luci Lights, so I might t...
by Finridge
Fri Sep 28, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: 2018 Forester vs CRV vs RAV4
Replies: 143
Views: 18331

Re: 2018 Forester vs CRV vs RAV4

I used to pick my son up from school in one of these. I'll assume you know that none of the kids in the school busses were hanging out the windows to look at all those mini vans quite the same way as they did with the Cobra. https://static.cargurus.com/images/site/2016/04/10/10/24/1965_shelby_cobra...
by Finridge
Tue Sep 25, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Losing Passion for Hobbies. Cheap or normal aging?
Replies: 71
Views: 9047

Re: Losing Passion for Hobbies. Cheap or normal aging?

These past few years I have noticed I am losing a passion for hobbies (such as amateur running competitions, hunting, travel, archery and etc). This could be age and/or life-stage related, I am a 33M and my wife and I are looking to start a family soon. There are several explanations for this loss ...
by Finridge
Tue Sep 25, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3412

Re: How to buy a mattress

Use Costco. Get a memory foam mattress.
by Finridge
Tue Sep 25, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Uniters “worry no more” furniture warranty added to price without me knowing
Replies: 9
Views: 882

Re: Uniters “worry no more” furniture warranty added to price without me knowing

Cancel the entire order and resume shopping. This is definitely an option 🤔 I wouldn't even ask. I was notify them you want to cancel the order. When they ask why...tell them they have deceptive business practices... simply say you reviewed the order after they rushed you thru it and did not explai...
by Finridge
Mon Sep 24, 2018 3:06 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6431

Re: Emotional Investor - I'm a mess and need help!

I don't like this experience since it totally removes me from any decision making. I want to feel more involved. yet still feel actively involved in my investments ......., I can't see myself investing in a 3 mutual fund portfolio either. Until you deal with this it won't get better. My thoughts ex...
by Finridge
Mon Sep 24, 2018 3:01 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6431

Re: Emotional Investor - I'm a mess and need help!

Stated goal: Find a way to be more involved in investing. Problem: You are a horrible investor. Sorry. Solution: Change the goal so that you are involved as little as possible with your investing. Very elegantly stated. I've heard of people setting up trusts for their children to protect them from ...
by Finridge
Fri Sep 21, 2018 3:33 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity-Very Negative Experience with Inheritance Services
Replies: 9
Views: 2799

Re: Fidelity-Very Negative Experience with Inheritance Services

So is it the fact that the assets must be split that caused the complication ? Better to leave different beneficiaries on different accounts to divvy up before death, and make things simpler for your heirs ? Not a good idea. Unless you have separate accounts that are absolutely identical in their c...
by Finridge
Wed Sep 19, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: State Farm nickel-and-diming me
Replies: 61
Views: 5520

Re: State Farm nickel-and-diming me

You're not stuck dealing with State Farm. Get one or two other estimates and go with the lowest one. Send a letter to the driver with copies of all the estimates and demand that he pay the full amount (or cause his insurance company to pay the full amount) of the lowest one, or you will sue in small...
by Finridge
Wed Sep 19, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25474

Re: What is your single most expensive mistake?

It's interesting to see what different people count as a "mistake". For me, personally, a mistake is something I shouldn't have done at the time with information that was available then, irrespective of the outcome. For example, if I sell a large position in a single stock to shift over to an index ...
by Finridge
Wed Sep 19, 2018 3:47 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25474

Re: What is your single most expensive mistake?

Not immediately investing all available funds into the market as such funds became available. I don't believe in market timing, or at least most of me doesn't, but when we withhold funds, hoping for a downturn, or piecemeal funds into the market over time, that's basically a form of market-timing wh...
by Finridge
Mon Sep 17, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: are iPad Minis obsolete?
Replies: 28
Views: 3049

Re: are iPad Minis obsolete?

If you go outside of Apple, you will find no shortage of iPad Mini-sized tablets. The build quality of some of them is excellent. You will get more while paying less. You will not have to suffer the angst of wondering if and when a new model is being released and waiting two years, or sometimes fore...
by Finridge
Sat Sep 15, 2018 1:07 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3405
Views: 1013827

Re: What Book Are You Currently Reading? Part VI

12 Rules for Life by Jordan B. Peterson. It has been fantastic thus far. Haven't read this book but 12 seems like a lot. Very funny. Could probably do all of us without interest In actually reading the book to list the 12 rules. Probably too many for me to remember. You can find lists of the rules ...
by Finridge
Fri Sep 14, 2018 8:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3405
Views: 1013827

Re: What Book Are You Currently Reading? Part VI

12 Rules for Life by Jordan B. Peterson. It has been fantastic thus far. Haven't read this book but 12 seems like a lot. Very funny. Could probably do all of us without interest In actually reading the book to list the 12 rules. Probably too many for me to remember. You can find lists of the rules ...
by Finridge
Fri Sep 14, 2018 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10087

Re: How real is cyber risk?

I think the header says it. I have heard that the biggest security weakness right now is phone-based, since it is fairly easy to get a sim card and lock someone out of their phone account. So I am a little concerned about the phone security stuff. We have accounts at Merrill, Vanguard, Fidelity, Na...
by Finridge
Fri Sep 14, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 3010

Re: Do you use social media to enhance your travel experience?

Workarounds are fun. Workarounds are problem solving. Getting in trouble makes good stories. And no, I decidedly do not want to make it easier. When the absence of a smart phone makes things harder, it creates new challenges -- and I feel happy when I concur challenges. It's too late for me to beco...
by Finridge
Fri Sep 14, 2018 3:20 am
Forum: Personal Consumer Issues
Topic: Is home alarm monitoring worth it?
Replies: 56
Views: 3991

Re: Is home alarm monitoring worth it?

Remember the story of the two hiking buddies that encounter an aggressive bear. One of them takes of his backpack and starts exchanging his hiking boots for running shoes. His friend says, "What are you doing! You can't outrun a bear!" The response: "I don't have to! I only have to outrun YOU!" So i...
by Finridge
Fri Sep 14, 2018 3:14 am
Forum: Investing - Theory, News & General
Topic: Slight fear of investing in general now
Replies: 20
Views: 2218

Re: Slight fear of investing in general now

This is completely normal. As you get older and your portfolio grows (i.e. you have more to lose) while your future earning power diminishes (i.e. you have less time to make up any losses with earnings from your work)--it is expected that you will get more risk adverse. You should probably re-examin...
by Finridge
Fri Sep 14, 2018 2:47 am
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 3010

Re: Do you use social media to enhance your travel experience?

I don't consider it old-school. I consider it experience . I suppose the way you travel might be different than mine - but you might also start to find the world changing around you to make it more and more difficult to travel without a smart-phone. Many changes have already started to occur as fol...
by Finridge
Wed Sep 12, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 3010

Re: Do you use social media to enhance your travel experience?

bdaniel58 wrote:
Wed Sep 12, 2018 12:20 pm

We found a camera in Death Valley in 2011. It took me two years but I finally found the owner by using social media. You can read about it here.
Awesome story. Well worth the time reading it.

Be sure to read all the way down to the bottom...
by Finridge
Wed Sep 12, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Do you use social media to enhance your travel experience?
Replies: 66
Views: 3010

Re: Do you use social media to enhance your travel experience?

I took 8 months off my work and intended to experience retirement life. As I said before, (long-term) travel seems to be the only thing that I could not do conveniently with my job. In the past 8 months, I travelled to 11 countries, several times to a few countries. Although I enjoyed my travel exp...
by Finridge
Wed Sep 12, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2705

Re: Utility usage way up

Hmm, our last house we had a gas water heater and never had it serviced in 6 yrs but that was on city water. We are now on well water with llamas hardness but havent had the electric water heater serviced yet. Look into flushing it. https://www.familyhandyman.com/plumbing/water-heater/how-to-flush-...
by Finridge
Wed Sep 12, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4343

Re: Subaru Forester - ready to buy

Also, the last time I bought a car, I checked the car buying services, and also negotiated. At least at that time, and in my location, the car buying services were competitive with the best prices I was able to negotiate. And for the model I ended up choosing, the car buying service price was margin...
by Finridge
Wed Sep 12, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Subaru Forester - ready to buy
Replies: 43
Views: 4343

Re: Subaru Forester - ready to buy

My 2003 Honda Pilot with 270,000 miles is steadily leaking oil and signalling its transmission is going again. While I have a distance auto club towing benefit, I want the vehicle replaced this year, or better yet, this month. Our pattern has been to buy year old leased or dealer vehicles and hold ...
by Finridge
Wed Sep 12, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Utility usage way up
Replies: 45
Views: 2705

Re: Utility usage way up

Everything at our new house built in 2016 is electric. We moved in last June of 2017. August energy use was 1,000 kWh or 34/daily This August we were at 1,500 kWh or 46/daily Only changes I can think of are the following: Avg temps in 2017 for the month were 77* and this year 80* Thermostat during ...
by Finridge
Wed Sep 12, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Anyone into Essential Oils?
Replies: 40
Views: 2624

Re: Anyone into Essential Oils?

So my wife is bugging me about essential oils because she is congested all the time with allergies and because of some stupid facebook page or group she got fascinated with this essential oils idea. basically these oils are pure and organic and you place one drop into a diffuser in your car or hous...
by Finridge
Mon Sep 10, 2018 2:20 am
Forum: Personal Consumer Issues
Topic: Can Sneakers go with Business Casual?
Replies: 172
Views: 8665

Re: Can Sneakers go with Business Casual?

Short answer. If you have to ask, then the answer (within the context of your workplace) is probably "No."
by Finridge
Sun Sep 09, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: I think my father has a gambling problem
Replies: 78
Views: 6870

Re: I think my father has a gambling problem

Some say that since you already mentioned it you should let it go, or because it's his money it's none of your business, and you should let it go. That is their opinion. It is not one that I share. I want my parents, siblings, children to look our for me and I think I should look out for them. This ...
by Finridge
Sun Sep 09, 2018 11:24 pm
Forum: Personal Finance (Not Investing)
Topic: Backing out of a contingent job offer
Replies: 8
Views: 1549

Re: Backing out of a contingent job offer

Is it unethical to backout of a contingent job offer? I signed the offer sheet but this offer is conditional upon customer and prime approval after an interview with them which I have not had one yet. I now have another offer that I feel is a better opportunity with more money and vacation days. Th...