Search found 946 matches

by alpenglow
Sun May 24, 2020 6:26 pm
Forum: Personal Consumer Issues
Topic: Discount wine sites for upscale wine?
Replies: 12
Views: 1531

Re: Discount wine sites for upscale wine?

Last Bottle has daily deals. Some are meh, some are great. The Pinot he has up for sale right now (Lutum Sanford & Benedict Vineyard) is excellent for the money.

This a referral link: https://www.lastbottlewines.com/invite/ ... 48422.html
by alpenglow
Sat May 23, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9675

Re: Personal spending out of control after Covid-19

Regarding the drinking, it has indeed gone from 3 drinks on the weekend to 1 or 2 drinks every night. However, 2 drinks a night is the official guideline for alcoholism. A fact that most of my friends and co-workers were surprised to learn, and a few suggested that it doesn't apply to the current e...
by alpenglow
Sat May 23, 2020 3:50 pm
Forum: Personal Consumer Issues
Topic: Personal spending out of control after Covid-19
Replies: 120
Views: 9675

Re: Personal spending out of control after Covid-19

We were in a bit of a wine rut so we decided to explore/return to other styles/regions of wine just before Covid-19 started. There are a lot of wineries offering deals and we've been "taking advantage" of the opportunity. Probably just random timing because normally we don't spend money on much of a...
by alpenglow
Tue May 12, 2020 6:25 am
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 4828

Re: 90%+ chocolate bar

I used to live near Taza Chocolate in Somerville, MA (https://www.tazachocolate.com). They have chocolate bars that go up to 95% pure. They are called "Wicked Dark". According to web site: Perfectly unrefined, super intense 95% dark stone ground chocolate. This barely-sweet bar has just 2 grams of ...
by alpenglow
Sun May 10, 2020 4:49 pm
Forum: Personal Consumer Issues
Topic: Has Your Spending Changed Since The Shutdown?
Replies: 180
Views: 6610

Re: Has Your Spending Changed Since The Shutdown?

Wine spending is way up! Too many good wineries with deals.
by alpenglow
Sun May 10, 2020 4:42 pm
Forum: Personal Consumer Issues
Topic: Buying a used Jaguar
Replies: 40
Views: 2517

Re: Buying a used Jaguar

I would give it a good detailing and resell it before something goes wrong. I have two friends that owned Jags. Both had massive problems and maintenance costs. Neither owns a Jag anymore.
by alpenglow
Sun May 10, 2020 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4594

Re: Choosing not to correct all billing/financial errors

Along these lines, I've recently stopped bringing back refundable containers. Into the recycling bin they go. Just not worth my time. In 1970 I decided that recycling was just a plot to get me to stockpile garbage. My opinion has not changed, and it is just now coming out that much, if not most, of...
by alpenglow
Sat May 09, 2020 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4594

Re: Choosing not to correct all billing/financial errors

Along these lines, I've recently stopped bringing back refundable containers. Into the recycling bin they go. Just not worth my time.
by alpenglow
Fri May 08, 2020 6:16 pm
Forum: Personal Consumer Issues
Topic: Shipping Wine in Warm Weather
Replies: 23
Views: 1273

Re: Shipping Wine in Warm Weather

We belong to several California wine clubs, and our shipments always come standard UPS (signature required for delivery). No climate control on the trucks. With one exception, the wineries only schedule shipments from October through April to avoid the summer heat. The one exception is a sparkling ...
by alpenglow
Tue May 05, 2020 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Easy $200 from Penfed?
Replies: 52
Views: 5415

Re: Easy $200 from Penfed?

I've really cut back on bonus chasing, but given my preexisting relationship with PenFed, this was an easy one.
by alpenglow
Wed Apr 29, 2020 6:58 am
Forum: Investing - Theory, News & General
Topic: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?
Replies: 89
Views: 4635

Re: Is LTT appearing "nice" only because interest rates has been dropping since "forever"?

I grabbed $200k of brokered 3yr 3% CDs when my PenFed 3% CD matured. I have no idea what I'll do when these mature. I academically understand the role of LTTs in a portfolio but have a lot of trouble pulling the trigger at these rates. I'll probably just buy stocks.
by alpenglow
Wed Apr 29, 2020 6:09 am
Forum: Personal Consumer Issues
Topic: Coffee Experts - Help with an online coffee order
Replies: 33
Views: 2593

Re: Coffee Experts - Help with an online coffee order

I've tried a few things from Strongtree recently and I've been happy with their coffees. I like dark roasts but hate any burnt taste. It seems like a fine line to get it right and I think they do. https://strongtreecoffee.com/
by alpenglow
Fri Apr 24, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 267
Views: 15588

Re: So what are you cooking

White pizza. I followed the recipe here: White Pizza Except: - I used my own homemade pizza dough. I made this first, then starting on the toppings while the dough was rising. I didn't pierce the dough with a fork as the recipe suggested. - 8 oz. part-skim mozarella. I don't think it's as good as w...
by alpenglow
Tue Apr 21, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three to
Replies: 131
Views: 6159

Re: If you had to buy one new car which of these three would you buy Corolla, Camry or Prius? You only have these three

I bought a Prius Prime just before the Covid-19 situation and I'd probably do it again. Between the $4500 federal credit, a NY state credit, $3000 cash back from Toyota (now $3500), and solar panels on my roof that generate excess power, it' was a good deal. You can probably do better on price now g...
by alpenglow
Mon Apr 20, 2020 4:15 pm
Forum: Personal Investments
Topic: Can someone help me to comprehend secondary market CDs?
Replies: 6
Views: 632

Re: Can someone help me to comprehend secondary market CDs?

I simply filter for non-callable CDs and look at the yield to worst. I avoid premium CDs (priced over 100) for the reason welderwannabe mentioned. I locked in some 3 year, 3% CDs a year ago and haven't looked at rates recently. You're likely to do better going direct to banks/credit unions right now...
by alpenglow
Mon Apr 20, 2020 4:09 pm
Forum: Investing - Theory, News & General
Topic: JPMorgan Chase Stops Accepting HELOC Applications Due to Coronavirus Uncertainty
Replies: 17
Views: 2097

Re: JPMorgan Chase Stops Accepting HELOC Applications Due to Coronavirus Uncertainty

Harry Livermore wrote:
Sun Apr 19, 2020 6:56 am
My greatest joy is when I can say "no thank you" to a banker. Almost there.
Amen.
Outside of credit cards that are paid off monthly, I'm finally there. Bought a new car for cash for the first time and it felt great.
by alpenglow
Mon Apr 20, 2020 3:43 pm
Forum: Investing - Theory, News & General
Topic: Renaissance Says Quant Models Misfired During March Mayhem
Replies: 56
Views: 4855

Re: Renaissance Says Quant Models Misfired During March Mayhem

I know some Bogleheads like to complain about their property taxes from time to time.

Fun fact: Robert Mercer, CEO of RenTech, pays about $800,000/year in property taxes on his Long Island home. Of course, he can afford it.
by alpenglow
Mon Apr 20, 2020 1:55 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: [Oil futures price plummets, Bogleheads react]

We're all familiar with a short squeeze. Would it be fair to call this a "long squeeze"?
by alpenglow
Mon Apr 20, 2020 7:28 am
Forum: Investing - Theory, News & General
Topic: Price of oil has collapsed; how will this impact the economy?
Replies: 108
Views: 8258

Re: Price of oil has collapsed; how will this impact the economy?

Pretty amazing price move. I was feeling like ~$20 was a bottom but what do I know.That's why I do 3 fund and call it a day. As far as impact, I'm sure this will be put junk bonds under pressure again, since energy is a big component there. Then again, the Fed is buying corporates to hold up the mar...
by alpenglow
Sat Apr 18, 2020 8:14 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5695

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

We've had a small Zoji for 11 years and we make brown rice weekly. I would definitely buy one again if ours "died".
by alpenglow
Wed Apr 15, 2020 5:06 pm
Forum: Personal Consumer Issues
Topic: Wine Clubs... Value? Recommendations?
Replies: 13
Views: 1162

Re: Wine Clubs... Value? Recommendations?

There are a lot of wineries offering free or significantly reduced shipping right now. I've ordered from LI, the Finger Lakes, and CA . What kind of wines are you looking for? I can recommend Last Bottle Wines. They email a daily deal - the writing style is a little annoying but the prices are usual...
by alpenglow
Tue Apr 07, 2020 7:17 pm
Forum: Personal Investments
Topic: Do we need to rebalance Vanguard Target Retirement Funds ?
Replies: 16
Views: 1247

Re: Do we need to rebalance Vanguard Target Retirement Funds ?

If you own one fund there is nothing to rebalance. TR funds are "funds of funds" that rebalance themselves.
by alpenglow
Sat Apr 04, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10316

Re: Are your personal expenses down during stay home and shelter?

Lots of wineries have been offering discounts and/or free shipping (wine is heavy and expensive to ship!), so I've been spending a lot more than usual. :beer
by alpenglow
Thu Apr 02, 2020 11:48 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9632

Re: Does anyone else just not care/worry?

Perhaps jaded from previous market drops and recoveries, but this decline does not seem to stir any emotion for me. At 70, and retired for 15 years, I've seen enough that I'm comfortable with a decade (or more) of portfolio withdrawals stored in bond index funds, regardless of what level, stock ind...
by alpenglow
Thu Apr 02, 2020 9:15 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9632

Re: Does anyone else just not care/worry?

I think I’ve become numb to the market gyrations at this point. I was watching the market yesterday and I thought, “oh we’re only down 4% - that’s not that bad”. You really start to get used to the bigger moves. When this is all over a move of a couple hundred points will seem like nothing. I too a...
by alpenglow
Thu Apr 02, 2020 7:46 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9632

Re: Does anyone else just not care/worry?

Perhaps jaded from previous market drops and recoveries, but this decline does not seem to stir any emotion for me. At 70, and retired for 15 years, I've seen enough that I'm comfortable with a decade (or more) of portfolio withdrawals stored in bond index funds, regardless of what level, stock ind...
by alpenglow
Thu Apr 02, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8758

Re: Did you move for better weather? Did you regret it?

If you are looking on the East Coast, I think the area around the eastern Tennessee/western NC border is awesome. All four seasons with great hiking and it doesn't get too hot in the mountains. Asheville is overcrowded/expensive, but the surrounding towns are much more affordable with some nice lit...
by alpenglow
Wed Apr 01, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: What's worth paying more for?
Replies: 80
Views: 6571

Re: What's worth paying more for?

Pretty much anything that goes in my mouth. Fruit and veg from local farms, local pastured meats and eggs, quality loose-leaf tea, craft beer, better wine, etc. :beer
by alpenglow
Wed Apr 01, 2020 8:25 am
Forum: Personal Consumer Issues
Topic: Did you move for better weather? Did you regret it?
Replies: 108
Views: 8758

Re: Did you move for better weather? Did you regret it?

If you are looking on the East Coast, I think the area around the eastern Tennessee/western NC border is awesome. All four seasons with great hiking and it doesn't get too hot in the mountains. Asheville is overcrowded/expensive, but the surrounding towns are much more affordable with some nice lit...
by alpenglow
Tue Mar 31, 2020 8:31 am
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1477

Re: Security for unoccupied home.

Thanks sandtrap. One home was broken into and ransacked, which has prompted immediate concern.
by alpenglow
Tue Mar 31, 2020 8:17 am
Forum: Personal Consumer Issues
Topic: Security for unoccupied home.
Replies: 24
Views: 1477

Re: Security for unoccupied home.

My Mom's street has become a bit desolate over the last year (4 out of 5 homes around her are now empty and the lots are large) so I've been thinking of adding some cameras and other security for her. Thanks to all that contributed to this thread!
by alpenglow
Tue Mar 31, 2020 7:30 am
Forum: Investing - Theory, News & General
Topic: Mortgage - Keep balance as High as Possible
Replies: 162
Views: 11493

Re: Mortgage - Keep balance as High as Possible

My dad was a trust fund baby and worked a lucrative job. He always said it is best to have as much debt as possible cause then everyone you owe is pulling for you to succeed. This reminds me of him. He died destitute. Give us the details here. Leverage can work very well if you used properly. Did h...
by alpenglow
Sun Mar 29, 2020 7:19 am
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17141

Re: What will you do first, once COVID pandemic is over?

iamlucky13 wrote:
Sat Mar 28, 2020 3:56 pm
Go back to work.

Reality wins over wishes.

I'll almost certainly go for a hike, too. Our state has decided that trees are a vector and mandated closure of parks and trails.
That's sad to hear. My state (NY) has all parks free right now so we've been getting out quite a bit for short hikes.
by alpenglow
Sat Mar 28, 2020 7:34 am
Forum: Investing - Theory, News & General
Topic: 7% Yield on High Yield Corporate > EM Debt
Replies: 62
Views: 4463

Re: 7% Yield on High Yield Corporate > EM Debt

High Yield Bonds are really a hybrid, between equity and bonds, and as such regardless of the spread they cannot be used as a Bond equivalent. That leaves with the choice of using the Equity side of the allocation to buy High Yields. In times like this the question is where is more value, in buying...
by alpenglow
Wed Mar 25, 2020 8:04 am
Forum: Investing - Theory, News & General
Topic: Negative interest rate has arrived
Replies: 37
Views: 4326

Re: Negative interest rate has arrived

watchnerd wrote:
Tue Mar 24, 2020 1:09 pm

I barbell long nominals /short TIPS :: deflation / inflation
Out of curiosity, do you use etfs like EDV and VTIP or do you buy individual treasuries?
by alpenglow
Tue Mar 24, 2020 8:02 pm
Forum: Personal Investments
Topic: Liquidate Bond VBILX now or wait?
Replies: 29
Views: 1848

Re: Liquidate Bond VBILX now or wait?

It's not junk - it's investment grade. investment grade is a level above junk, most of it will downgrade to junk with just a whiff of a slowdown per many economists. I was watching Robert Kessler on Consuelo Mack and he warned people to stay away... however wondering if the Fed will backstop. https...
by alpenglow
Tue Mar 24, 2020 7:59 pm
Forum: Investing - Theory, News & General
Topic: 7% Yield on High Yield Corporate > EM Debt
Replies: 62
Views: 4463

Re: 7% Yield on High Yield Corporate > EM Debt

The high yield option adjusted spread right now is almost 11%, which is a recent high. FWIW, it spiked to almost 20% in 2008.

https://fred.stlouisfed.org/series/BAMLH0A0HYM2
by alpenglow
Tue Mar 24, 2020 7:45 pm
Forum: Personal Investments
Topic: Liquidate Bond VBILX now or wait?
Replies: 29
Views: 1848

Re: Liquidate Bond VBILX now or wait?

I have been toying with the idea of liquidating this holding due to the risks. VBILX (Vanguard Intermediate Bond) has 40% corporates in it which risks implosion. However now that the Fed has pledged to buy corporate bonds I am wondering if the risks are no longer present. The fund is still very sha...
by alpenglow
Mon Mar 23, 2020 6:35 pm
Forum: Personal Investments
Topic: Has Anyone Else Been Buying Secondary CD's Recently?
Replies: 3
Views: 566

Re: Has Anyone Else Been Buying Secondary CD's Recently?

Out of curiosity, what are "decent" and "good" yields?
by alpenglow
Sat Mar 21, 2020 6:48 pm
Forum: Personal Investments
Topic: which Money market funds are 100% safe - so many choices?
Replies: 10
Views: 1238

Re: which Money market funds are 100% safe - so many choices?

BogleMelon wrote:
Sat Mar 21, 2020 6:24 pm
Why nobody had mentioned FDLXX (Fidelity Treasury Only Money Market Fund)?
I'm using this in my Fidelity CMA right now.
by alpenglow
Sat Mar 21, 2020 6:11 pm
Forum: Investing - Theory, News & General
Topic: COVID Crash: What did you get right?
Replies: 61
Views: 2736

Re: COVID Crash: What did you get right?

Half of my fixed-income allocation in FDIC-insured CD's at 3%.
by alpenglow
Sat Mar 21, 2020 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4252

Re: Pay fed tax now - or July 15?

I'd rather have cash in hand than pay a bill that's not due until July 15.
by alpenglow
Fri Mar 20, 2020 2:17 pm
Forum: Personal Investments
Topic: Just pulled the trigger ...
Replies: 44
Views: 3195

Re: Just pulled the trigger ...

livesoft wrote:
Fri Mar 20, 2020 2:07 pm
Capitulation! Thanks for the report because I know you didn't have to post anything about this.
Livesoft! Good to see your special brand of sarcasm has returned to Bogleheads! :twisted:
by alpenglow
Fri Mar 20, 2020 2:14 pm
Forum: Personal Investments
Topic: One simple thing this 50 yo learned...
Replies: 61
Views: 9402

Re: One simple thing this 50 yo learned...

Anti-fragility in our personal finances is the foundation that allows us take greater risk in rough times when we will reap the highest rewards. To that end, we have no mortgage, no debt, and 5 years of living expenses in low risk assets in taxable accounts (short TIPS, MM...see sig). During the lo...
by alpenglow
Thu Mar 19, 2020 7:19 pm
Forum: Personal Investments
Topic: What is the current neutral total market allocation?
Replies: 3
Views: 321

Re: What is the current neutral total market allocation?

Going off of the iShares ACWI etf allocation, it looks like 58% US / 42% International.

https://www.ishares.com/us/products/239 ... i-acwi-etf
by alpenglow
Thu Mar 19, 2020 8:14 am
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 320
Views: 25681

Re: How much you lost/gain since Feb 20,2020 ?

-$120k or so. No big deal.
by alpenglow
Wed Mar 18, 2020 7:35 pm
Forum: Investing - Theory, News & General
Topic: Gold [why is it dropping?]
Replies: 72
Views: 3393

Re: Gold [why is it dropping?]

People believe the US dollar is a safe haven. I think they will be wrong once they start helicoptering thousands of dollars to everyone. It's not going to help stock replenish on the shelves, just add to bidding the price of what's left up. T?he problem we have is not supply on the shelves, it's de...
by alpenglow
Wed Mar 18, 2020 2:40 pm
Forum: Personal Consumer Issues
Topic: Cruise cancelled [take refund or future credit?]
Replies: 51
Views: 2682

Re: Cruise cancelled [take refund or future credit?]

greg24 wrote:
Wed Mar 18, 2020 11:11 am
Refund. They may not exist once you want to use the future credit.
100% Refund
by alpenglow
Wed Mar 18, 2020 2:33 pm
Forum: Investing - Theory, News & General
Topic: Market keeps going down - and I'm giddy as a school girl! Anyone else?
Replies: 25
Views: 1580

Re: Market keeps going down - and I'm giddy as a school girl! Anyone else?

The stock market keeps going down - and I'm giddy as a school girl! Anyone else? I'm maintaining my 60/40 portfolio allocation. I won't need my retirement funds for at least 20 years. Although I could retire before then. Just imagine the snap-back up once the market starts recovering with the share...