Search found 626 matches

by Finridge
Fri Sep 13, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: Dear VictoriaF
Replies: 17
Views: 5761

Re: Dear VictoriaF

I see that VictoriaF stopped posting in early June. I hope everything is OK with her. I really enjoyed her posts and book recommendations.
by Finridge
Wed Sep 11, 2019 4:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I've just finished "Deep survival - who lives, who dies and why" by Laurence Gonzales. It's not about "technical" survival skills but much more about the mindset which divides survivors from those who don't make it out alive. Very interesting, fast read. And not only relatable to outdoor survival s...
by Finridge
Tue Sep 03, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: Water alarm just saved me a lot of $$$. Do you have them?
Replies: 58
Views: 5883

Re: Water alarm just saved me a lot of $$$. Do you have them?

We had a couple of slab leaks. They were hidden and didn't cause any property damage. But one cost us several thousand dollars just in the water bill. That made me paranoid of water leaks. My biggest concern is one occurs while we are traveling out of town. Also, our area has more power outages than...
by Finridge
Fri Aug 30, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 42782

Re: How Bad was 2008, really?

How bad was it? Nearly all employers across all industries were laying off employees like crazy. Many other companies went out of business. Virtually no companies were hiring. Many folks were long-term unemployed, and had almost no chance of ever getting another position again at their old salary. ...
by Finridge
Fri Aug 30, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: Is this the right way to unclog a sink?
Replies: 30
Views: 1802

Re: Is this the right way to unclog a sink?

tigerdoc93 wrote:
Thu Aug 29, 2019 1:20 pm
Use a plastic zip tool. Costs $2 at Walmart. Easy peasy
+1. This is your quickest and easiest solution. Try this before you move on to more involved solutions.
by Finridge
Wed Aug 28, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Passport Photos
Replies: 27
Views: 1953

Re: Passport Photos

A lot of the passport agencies are libraries, city halls, post offices, etc., and they also will provide passport photos. And the rates they charge are usually so low that it is not worth the time, effort and gas money to get your passport photo taken elsewhere. Is this really an item you want to sp...
by Finridge
Fri Aug 09, 2019 9:26 pm
Forum: Personal Consumer Issues
Topic: Critique my exercise routine because it's not working for me
Replies: 160
Views: 8844

Re: Critique my exercise routine because it's not working for me

" Specifically, I am not looking for weighing less on the scale but the "pants test" - my pants should feel looser." Accomplishing your goal is about 90% diet... Without focusing on the diet, the exercise you do probably won't help and may even hurt. You need to start running a calorie deficit. You'...
by Finridge
Fri Aug 09, 2019 5:37 pm
Forum: Personal Consumer Issues
Topic: which stud finder?
Replies: 52
Views: 2792

Re: which stud finder?

I went through several cheap ones before I found this one and threw all the rest away. It is awesome and better than any other I've used by a longshot. https://www.homedepot.com/p/Franklin-Sensors-Professional-Stud-Finder-FS710-02B/302886762?cm_mmc=Shopping%7CG%7CBase%7CD25T%7C25-1_HAND+TOOLS%7CNA%...
by Finridge
Fri Aug 09, 2019 2:54 am
Forum: Personal Consumer Issues
Topic: What to do with expired passports?
Replies: 22
Views: 2619

Re: What to do with expired passports?

If for some reason you do want or need to get a new passport, having the old one will make it easier, faster and cheaper.
by Finridge
Wed Aug 07, 2019 2:24 am
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 111
Views: 10379

Re: Personal Flagship Representaive Going Away

I checked my inbox to see if I'd received the email others talk about. I saw nothing regarding the Flagship Rep, but they did just sent me an email pushing their actively managed funds. Next I went to the web site and checked my message box associated with my account. Nothing there either. Going to ...
by Finridge
Wed Aug 07, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Employer offering equity in company. What questions to ask?
Replies: 37
Views: 2940

Re: Employer offering equity in company. What questions to ask?

- What are the (potential) benefits of the Equity offer? - Why are you being offered the equity? - How will the company being sold affect your employment - both if you take the equity and if you don't - Maybe I missed it, but what will be the cost of the equity and what portion of the company will ...
by Finridge
Mon Aug 05, 2019 7:54 pm
Forum: Personal Consumer Issues
Topic: Extreme Anxiety with Time/Money
Replies: 95
Views: 8155

Re: Extreme Anxiety with Time/Money

Example: Spent all last summer and early this summer in the hot sun putting in a nice cedar fence to replace the old collapsing fence. Besides the stresses of time and money with this project, life was good and I was proud of myself. Now I come to realization that our damn sprinkler system is water...
by Finridge
Mon Aug 05, 2019 6:15 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3236

Re: Personal Trainer for Physical Balance

I think that for people who can afford it, a personal trainer is one of the best investments they can make. And note that I'm calling it an "investment." The "do it yourself" approach does not work for most. Most people who buy gym memberships don't use them regularly or at all after the first few ...
by Finridge
Thu Aug 01, 2019 3:57 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 10367

Re: Tax Loss Harvesting Worth it?

But you should be comfortable creating a wash sale within your taxable account where the loss is only temporarily disallowed and essentially deferred. Don't be intimidated by folks on this forum who don't understand wash sales. Could you explain this a bit more? Thanks! The loss is disallowed for n...
by Finridge
Thu Aug 01, 2019 3:56 pm
Forum: Personal Consumer Issues
Topic: Personal Trainer for Physical Balance
Replies: 52
Views: 3236

Re: Personal Trainer for Physical Balance

I think that for people who can afford it, a personal trainer is one of the best investments they can make. And note that I'm calling it an "investment." The "do it yourself" approach does not work for most. Most people who buy gym memberships don't use them regularly or at all after the first few w...
by Finridge
Wed Jul 31, 2019 12:53 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting Worth it?
Replies: 176
Views: 10367

Re: Tax Loss Harvesting Worth it?

livesoft wrote:
Sat Jul 20, 2019 5:41 pm

But you should be comfortable creating a wash sale within your taxable account where the loss is only temporarily disallowed and essentially deferred. Don't be intimidated by folks on this forum who don't understand wash sales.
Could you explain this a bit more? Thanks!
by Finridge
Tue Jul 30, 2019 1:26 am
Forum: Personal Consumer Issues
Topic: Ghosted by IKEA after warranty claim
Replies: 49
Views: 5180

Re: Ghosted by IKEA after warranty claim

My experience with IKEA furniture. It is very low quality. And you have to assemble it and paint it yourself. Yes, the price is "cheap" but it is a good deal only if you do not consider the value of your time and labor. You can get much higher quality used furniture on Craiglist that is already asse...
by Finridge
Thu Jul 11, 2019 6:43 pm
Forum: Investing - Theory, News & General
Topic: Misbehaviour of markets and the Black Swan
Replies: 87
Views: 8193

Re: Misbehaviour of markets and the Black Swan

Carol88888 All I need to know is that an index strategy will probably do better than other strategy I could reasonably execute. Suits me. That's my thought as well. The take-home actionable lesson from me from this books: There are a lot undefinable risks that cannot be avoided although they may be...
by Finridge
Thu Jul 11, 2019 6:32 pm
Forum: Investing - Theory, News & General
Topic: Misbehaviour of markets and the Black Swan
Replies: 87
Views: 8193

Re: Misbehaviour of markets and the Black Swan

I don't like [Taleb] either, but if he really said "In springtime, seed; in summer, cultivate; in fall, windsurf.", then my opinion of him just went up a notch. On the other hand, if you wrote it, then my opinion of you did. (note: I had a good opinion of you to start with...much better than my opi...
by Finridge
Thu Jul 11, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

Currently in process: Smartest Guys in the Room - story of the Enron catastrophe. Stopped reading this a while back when I went on vacation and need to pick it back up to finish. Welcome to the Monkey House - Vonnegut short stories. Highly recommended Annapurna by Maurice Herzog - Story of the firs...
by Finridge
Thu Jul 04, 2019 3:27 am
Forum: Personal Consumer Issues
Topic: how do couples work together on home finance
Replies: 60
Views: 4737

Re: how do couples work together on home finance

It's pretty clear from above posts that the way many Bogleheads manage to work together with their spouses on personal finance is "assortative mating". We like to marry other frugal people and develop mutual trust and shared goals. Also it's very common for one spouse to be intensely interested and...
by Finridge
Thu Jul 04, 2019 3:05 am
Forum: Personal Consumer Issues
Topic: What to let kids buy?
Replies: 50
Views: 4113

Re: What to let kids buy?

I took all the coins out of their piggy banks and all their birthday money from the grandparents and invested it in Fidelity Zero Funds. UTMA accounts in their names. They approved of me doing this. And now they are *much* more interested in the stock market and in index funds. Because they have "sk...
by Finridge
Thu Jul 04, 2019 2:57 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I just finished "The River" by Peter Heller and recommend it if you are interested in outdoor adventure. I was concerned it might be similar to "Deliverance" but that wasn't the case. On your recommendation you read it. Thanks. I enjoyed it. I'm now reading Peter Heller's book, "Dog Stars". It's al...
by Finridge
Mon Jul 01, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 45
Views: 3683

Re: Opinions on bicycle disc brakes?

Yes, disc brakes are much better than the old-style caliper brakes with pads. However, it's usually not practical to add disc brakes to bike that was built for caliper brakes. However, if you have bike that has caliper brakes, it is probably really old and there will probably be multiple advantages ...
by Finridge
Fri Jun 28, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Am I falling into the trap of judging everything through cost lens?
Replies: 51
Views: 4794

Re: Am I falling into the trap of judging everything through cost lens?

If you live a healthy lifestyle, keeping our weight down, and exercising to stay in shape and maintain muscle, you will be more comfortable in economy class than you would otherwise, and have less need for upgrading. While on the plane, if you are not sleeping, make it a point to stand up four a cou...
by Finridge
Wed Jun 19, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: My Cost of Progressive Lenses/glasses - did I pay too much?
Replies: 69
Views: 4160

Re: My Cost of Progressive Lenses/glasses - did I pay too much?

Another happy Zennioptical.com customer here. I priced out the glasses I wanted to order, and they were quite a bit less expensive than Costco.
by Finridge
Tue Jun 04, 2019 10:33 pm
Forum: Personal Consumer Issues
Topic: Do you drive old cars for long distance travels?
Replies: 105
Views: 7424

Re: Do you drive old cars for long distance travels?

flyingaway wrote:
Mon Jun 03, 2019 11:38 am
If your car is at least 10 years old and with 100k miles, do you still use it for long distance travels (more than 5 hours of driving)?
Yes. It's a Toyota. It's more reliable at 200k then some cars are at 50k.
by Finridge
Tue Jun 04, 2019 5:55 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1125
Views: 164553

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

notinuse wrote:
Sun Jun 02, 2019 8:01 pm
CULater, I value your information updates. Please continue.
Me too.
by Finridge
Tue Jun 04, 2019 5:51 pm
Forum: Personal Consumer Issues
Topic: What do business pros wear on redeye Business Class flights
Replies: 50
Views: 6734

Re: What do business pros wear on redeye Business Class flights

If you feel uncomfortable wearing sweat pants and a tee-shirt you can get wrinkle-free "travel pants" which are reasonably comfortable and look decent. Pair with wrinkle-free synthetic polo shirt. But me, on the flight I'd just wear sweat pants and a tee-shirt. :beer
by Finridge
Mon Jun 03, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: Havasupai, Have a Sticker Shock
Replies: 27
Views: 3767

Re: Havasupai, Have a Sticker Shock

I have always dreamed of going to Havasu Falls Is it really so wonderful? Is my Fear of Missing Out getting the best of me, or will I be glad I did it? I can't answer the rest of your questions since I hiked UP from the river to see the falls. But it is a spectacular falls and extremely beautiful. ...
by Finridge
Thu May 30, 2019 6:05 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4386

Re: 3 Alpine passes in 3 days by bicycle

Wait. You’re riding the Alps on a folding city bike? Am I reading that right? I bow to my new god. Seriously though, how would you describe your level of fitness and level of cycling abilities? I’m wondering if a schlub like me should even consider this and just what it would take to get me in shap...
by Finridge
Thu May 30, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3958
Views: 1127377

Re: What Book Are You Currently Reading? Part VI

I am reading Seneca's On the Shortness of Life: Life is Long if You Know How to Use It. What is more valuable then money? Time! This book is about making the best use of your time. I highly recommend it. " It is not that we have a short time to live, but that we waste a lot of it. Life is long enoug...
by Finridge
Thu May 23, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: My bicycle ride from Florence, Italy to Bern, Switzerland [Pictures added]
Replies: 50
Views: 4386

Re: 3 Alpine passes in 3 days by bicycle

Thank you for the post. Very enjoyable reading.

Did bring your bike and check it as baggage? And if so, how did that work?
by Finridge
Wed May 22, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6562

Re: Best small AWD to 'drive into the ground'

If you are getting AWD for snowy and icy roads, read this article and watch this video first. AWD is helpful for snow/ice, but it has limitations. It does not replace snow tires or chains. It does not make it less likely you will slip of the road when braking, and doesn't help in cornering as much a...
by Finridge
Wed May 22, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Best small AWD to 'drive into the ground'
Replies: 87
Views: 6562

Re: Best small AWD to 'drive into the ground'

Why not get another Subaru? Sounds you use them pretty hard, IMO things like wheel bearings are a wear item and I've had to replace them as well occasionally. You're seeing typical high-mileage issues. Toyota RAV4 (blah) Honda Pilot (great vehicle) Toyota Highlander (also great) Honda Passport (cou...
by Finridge
Mon May 06, 2019 5:07 am
Forum: Personal Consumer Issues
Topic: Outdoor Jacuzzi - Cost vs Value?
Replies: 22
Views: 2538

Re: Outdoor Jacuzzi - Cost vs Value?

What is your experience? Do you get value out of it. Do you use it now as much as as you did when it was first installed? The typical progression is that the value you get out of it goes down over the time you own it. In the beginning it is novel and you use it more. Over time, the novelty wears of...
by Finridge
Fri May 03, 2019 2:08 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 18961

Re: What non fiction book will you be reading in 2019?

My current priority books are: - Atomic Habits by James Clear - The Improv Handbook by Tom Salinsky and Deborah Frances-White - Finite and Infinite Games by James Carse - Eat that Frog by Brian Tracy - How to Measure Anything by Douglas Hubbard Victoria Victoria, have you read enough of any of thes...
by Finridge
Fri May 03, 2019 12:39 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 198
Views: 18961

Re: What non fiction book will you be reading in 2019?

My current priority books are: - Atomic Habits by James Clear - The Improv Handbook by Tom Salinsky and Deborah Frances-White - Finite and Infinite Games by James Carse - Eat that Frog by Brian Tracy - How to Measure Anything by Douglas Hubbard Victoria Victoria, have you read enough of any of thes...
by Finridge
Wed May 01, 2019 1:28 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 196
Views: 22494

Re: Man’s life savings stolen from hijacked cellphone number

You can't fix paranoia... It's extremely difficult for a hacker to get your investment money. It must take some degree of negligence on your part to give the hacker a fighting chance. 1) It's a good chance that whoever stole the money from you knows you well. It might be someone who is close to you...
by Finridge
Wed May 01, 2019 12:46 am
Forum: Personal Finance (Not Investing)
Topic: My solar investment experience
Replies: 100
Views: 9500

Re: My solar investment experience

In 2017 I participated in a local program by installing a 7kWp solar system on our roof and now have some results that to share. The answers are: 13,746; 15,298; 385; 84.56 and zero. $13,746 was our net investment for the solar system. 15,298 is the pounds of CO2 emissions NOT emitted. 385 is the n...
by Finridge
Tue Apr 30, 2019 6:04 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12737

Re: What Are Your Simple Pleasures?

I've been backpacking in tough mountains since I was 18 (including in the winter at subzero temperatures) but it is first time when I hear that you need a GPS something to backpack. You don't "need" GPS, in the same way that you don't "need" paper maps, or even shoes. But a GPS/mapping app on your ...
by Finridge
Tue Apr 30, 2019 4:45 pm
Forum: Personal Investments
Topic: My fee only advisor at .8%
Replies: 57
Views: 8933

Re: My fee only advisor at .08%

Thank you. Do you think you can depend on vanguard PAS during the down markets to know what to do with your money? Yes, in a down-market you should do what we call here "holding the course." And that means doing the same things you would do in an up-market. Stay steady in the same investments, and ...
by Finridge
Tue Apr 30, 2019 3:24 pm
Forum: Personal Investments
Topic: Kids Gift Money in a Vanguard Target Retirement Fund
Replies: 30
Views: 1436

Re: Kids Gift Money in a Vanguard Target Retirement Fund

Hey everyone. I'm working on a method of investing money gifted to my kids at birth, holidays and birthdays. My kids are currently age newborn, 1-1/2, and 3-1/2. Since it will be a while till they need gift money and we are able to feed and cloth them without taking it, I've been considering option...
by Finridge
Mon Apr 29, 2019 3:59 pm
Forum: Personal Investments
Topic: My fee only advisor at .8%
Replies: 57
Views: 8933

Re: My fee only advisor at .08%

My own thoughts are that almost anyone who is on top of things enough to be reading and participating here on the Bogleheads forums is capable of implementing the Boglehead approach without using any paid adviser. There are people who can't do this for various reasons, and I think the Vanguard PAS ...
by Finridge
Fri Apr 26, 2019 5:58 pm
Forum: Personal Investments
Topic: Math check on avoiding kiddie tax in UGMA account
Replies: 9
Views: 804

Re: Math check on avoiding kiddie tax in UGMA account

Talk to an estate planner. With income of 800K a year, unless you have an expensive lifestyle, you are "at risk" (in a good way!) of having a large enough estate to be subject to the estate tax. This might not be the case, but if it is, then you will want to work with your estate planner to minimiz...
by Finridge
Fri Apr 26, 2019 1:16 am
Forum: Personal Investments
Topic: 14 years old and looking for investment advice
Replies: 37
Views: 3686

Re: 14 years old and looking for investment advice

Hi I’m new here and looking for some advice, I am 14 years old and I have $1000 to invest and I want to turn that into $10,000, any advice would be greatly appreciated. Thank you My recommendations. Have one of your parents open a UTMA account at Fidelity. Invest it into their zero index funds, 80%...
by Finridge
Fri Apr 26, 2019 12:16 am
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 107
Views: 11680

Re: Close Vanguard and go all in with Fidelity?

Keep in mind that unless all your Vanguard funds are in tax advantaged accounts (like IRA's), if you are liquidating funds at Vanguard, you will take a tax hit because you will (likely) realize capital gains and have to pay taxes on them. But if you have Vanguard funds that are convertible to ETF's,...
by Finridge
Fri Apr 26, 2019 12:03 am
Forum: Personal Investments
Topic: Math check on avoiding kiddie tax in UGMA account
Replies: 9
Views: 804

Re: Math check on avoiding kiddie tax in UGMA account

Talk to an estate planner. With income of 800K a year, unless you have an expensive lifestyle, you are "at risk" (in a good way!) of having a large enough estate to be subject to the estate tax. This might not be the case, but if it is, then you will want to work with your estate planner to minimize...