Search found 431 matches

by tooluser
Sat Sep 14, 2019 6:17 pm
Forum: Forum Issues and Administration
Topic: Trivial but interesting?
Replies: 7
Views: 1059

Re: Trivial but interesting?

Makes sense, thanks. I noticed that with signatures but never made the connection.
by tooluser
Fri Sep 13, 2019 10:52 pm
Forum: Forum Issues and Administration
Topic: Trivial but interesting?
Replies: 7
Views: 1059

Trivial but interesting?

I noticed that in this thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=290290&newpost=4748319&view=unread#p4744769 Today abuss368 made 8 posts in 14+ hours, and the total number of Posts listed with his avatar remained at 15000 for each post. I only noticed this because the Posts numbe...
by tooluser
Tue Sep 10, 2019 8:02 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 2989

Re: no idea - bourbon

jabberwockOG wrote:
Mon Sep 09, 2019 8:53 pm
Add a tablespoon or two to any BBQ sauce (even inexpensive bottled sauce) and serve warm. People will ask for your secret recipe - don't give it to them :mrgreen:
Also a nice addition to a fruit salad. Just enough though, too much and it will be "boozy".
by tooluser
Sun Sep 08, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 2989

Re: no idea - bourbon

For cooking you want something that doesn't skew flavors in any particular direction, which higher-end whiskeys tend to do. Don't go with the really cheap stuff either, since their flavors tend to be "off". I don't think you will do much better than badger42's recommendations. I might add Jack Danie...
by tooluser
Sat Sep 07, 2019 5:24 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Why Risk-Profile Questionnaires Don’t Work
Replies: 48
Views: 3393

Re: Allan Roth: Why Risk-Profile Questionnaires Don’t Work

I have found Monte Carlo Simulation to be very helpful in determining the asset allocation. Larry Swedroe recommends we evaluate our ability, willingness, and need. When we get real about our goals, I think MCS helps tremendously in the need department. The risk questionnaires I think focus on abil...
by tooluser
Sat Sep 07, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: CA taxes & allowances
Replies: 6
Views: 592

Re: CA taxes & allowances

To see how much is withheld per paycheck, look at Table 2 or Table 4 in this document: https://www.edd.ca.gov/pdf_pub_ctr/19methb.pdf As CAsage said, it's not very much per allowance claimed, so has little effect per allowance. Also, California biases their withholding 1% high, so if you are in the ...
by tooluser
Mon Sep 02, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: Not gaining weight on vacation?
Replies: 115
Views: 5318

Re: Not gaining weight on vacation?

It's also known that some people excrete more fat than others - calories in that never get digested. Some people's blood lipids and sugars actually get worse with exercise. Bodies are very complicated. On vacation, I typically get a lot more exercise than in my regular life, so I never gain badly, a...
by tooluser
Sat Aug 31, 2019 9:37 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig in Today's WSJ Discusses Target Retirement Funds
Replies: 54
Views: 6521

Re: Jason Zweig in Today's WSJ Discusses Target Retirement Funds

Bogle's advice was to have a higher allocation to equities if one can stay the course. To me, Vanguard's approach to TDFs sounds very consistent with that advice. I don't see where any hoodwinking is being done. Perhaps some poor timing as circumstances worked out. Are people suggesting that TDFs sh...
by tooluser
Wed Aug 28, 2019 10:31 pm
Forum: Personal Investments
Topic: Marie Kondo My Portfolio Please
Replies: 29
Views: 2998

Re: Marie Kondo My Portfolio Please

You need to print out and embrace the prospectus of each fund in your portfolio. Spend some time with it remembering, consider what is has done for you, and thank it. Then consider whether that particular slice of your investments sparks joy inside when you think about it. Keep all of the investment...
by tooluser
Tue Aug 27, 2019 9:41 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 144
Views: 12308

Re: Best of Bogleheads - your #1 takeaway

Market average returns, such as one achieves through index investing, in the long term are well above average.
by tooluser
Tue Aug 27, 2019 7:36 pm
Forum: Personal Consumer Issues
Topic: Mouse invasion!
Replies: 68
Views: 3797

Re: Mouse invasion!

From a professional mouser I once worked with: To make sure you get them all -- many mice look alike -- keep baited traps out for two weeks after the last one was caught. After no more have been caught for two weeks, you can remove them.
by tooluser
Mon Aug 26, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99880

Re: What frugal thing did you do today?

IowaFarmWife wrote:
Mon Aug 26, 2019 11:47 am
I made egg salad sandwich for lunch, using our own farm fresh eggs, and a peach that was on sale this week. Very good, too! Oh yea, and skipped breakfast again.
Peaches in egg salad... :confused
by tooluser
Sat Aug 24, 2019 11:56 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99880

Re: What frugal thing did you do today?

Big week: Bought a new speaker system for my computer. Same one as I already have, but I spilled soda pop on one of the speakers earlier in the week. Tried to fix it but no can do. New system is 2/3 the cost of the old system. So I "saved" 1/3, sort of. Made some gazpacho from older vegetables in my...
by tooluser
Fri Aug 23, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8019

Re: How to help an employee who is in debt and requesting a loan

I would direct the employee to as many charitable and government resources as I could think of. Sometimes larger employers have Employee Assistance Programs that can help with no attribution. The problem with helping is that help soon becomes an entitlement if the employee's head is not in the right...
by tooluser
Fri Aug 23, 2019 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you sacrifice to save?
Replies: 97
Views: 8357

Re: Do you sacrifice to save?

I don't think I'm sacrificing anything. I feel that I'm living my life to the fullest, except for working for a company. My time is not always my own. Perhaps that's the sacrifice - I could be doing other things with my time that might be more valuable to me and others. But then I might have to give...
by tooluser
Wed Aug 21, 2019 9:22 pm
Forum: Personal Consumer Issues
Topic: Freeze coffee beans?
Replies: 22
Views: 1320

Re: Freeze coffee beans?

I only make coffee from whole beans on the weekend. It seems to me that I should buy green beans and roast them in small batches, because supposedly the green beans do not go bad. But I don't, or at least haven't yet. I buy whole roasted beans and keep them in a sealed container away from light. The...
by tooluser
Sun Aug 18, 2019 8:50 pm
Forum: Personal Investments
Topic: Vanguard Energy ETF (VDE) - Good Time to Jump In?
Replies: 13
Views: 1682

Re: Vanguard Energy ETF (VDE) - Good Time to Jump In?

Oil prices right now are ~$58 a barrel. I remember both tales of "oil will exceed $100 forever", and "oil will never be above $40 again". Nobody knows nuthin'. Best of luck to us all.

I do like cheap gas. It's hard to feel too bad if you play all ends.
by tooluser
Sat Aug 17, 2019 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8336

Re: Taking a break in your 50s: Is it the kiss of death?

I left a high paying corporate job at age 47. As I had been working non-stop for 25 years in high pressure jobs at big companies - without anything more than a week-long vacation once in a while - I decided to take a 2 month backpacking trip across Europe to treat myself and reflect. It was the end...
by tooluser
Fri Aug 16, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Taking a break in your 50s: Is it the kiss of death?
Replies: 86
Views: 8336

Re: Taking a break in your 50s: Is it the kiss of death?

I'm actually considering just driving a taxi for the next few months while my wife works to get her 40 quarters of Social Security (done in 1Q20). I drove outer borough livery one Christmas break back in the 1980s. It actually was one of my most enjoyable jobs. Consider driving a limousine instead ...
by tooluser
Fri Aug 16, 2019 9:21 pm
Forum: Personal Consumer Issues
Topic: Kindergarten lunches
Replies: 59
Views: 4342

Re: Kindergarten lunches

Watch the movie "Uncle Buck", and make sure you don't give them that for lunch. Lunch in school is as much a social time as a nutrition time. Ask your kids what they would like to eat, and make sure you include some or all of it, depending on how healthy it is in your opinion. Put a little note in t...
by tooluser
Fri Aug 16, 2019 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17487

Re: Are you a "solo ager?"

I am likely in this boat and have been planning accordingly. Once the financial plan was in place and funded my thoughts turned increasingly to the social side. I have a small circle of cronies in the community where I plan to retire, but they are not getting any younger either. So the "build a com...
by tooluser
Thu Aug 15, 2019 9:58 pm
Forum: Personal Investments
Topic: Vanguard Energy ETF (VDE) - Good Time to Jump In?
Replies: 13
Views: 1682

Re: Vanguard Energy ETF (VDE) - Good Time to Jump In?

VDE is 10% of my 10-speed portfolio and is by far the biggest (and only) loser, by share price. I have to add more shares to keep it at 10%. However, that was not the case when it was $140 a share. Back then it was a big winner, near if not at the top. I had to buy more shares of everything else to ...
by tooluser
Thu Aug 15, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 3725

Re: What companies provide the best customer service

I'm currently in a row with Eddie Bauer, though it looks like it will finally resolve in my favor. For some reason they promised me a reimbursement and then backpedaled several times until I threatened to take the matter to their CEO. All for a small amount of money that they promised in writing the...
by tooluser
Tue Aug 13, 2019 7:29 pm
Forum: Personal Consumer Issues
Topic: Do burglars steal and use paperwork?
Replies: 39
Views: 4505

Re: Do burglars steal and use paperwork?

My house was burgled several years ago. Including other, non-traceable cash and cash-like items, the burglar(s) stole my passport, original social security card, and original birth certificate. I immediately cancelled the passport, but the other two cannot be cancelled. I was extremely watchful of c...
by tooluser
Sun Aug 11, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15724

Re: How do you afford to travel?

We go cheap on food and hotel. We will splurge for a meal or two, but We are there for the sights, not the food or hotel. Ideally, we just sleep at the hotel, and we don't spend a long time eating, because we want to be out looking around. How does the cheap hotel work out? I find that cheap hotels...
by tooluser
Sat Aug 10, 2019 8:55 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15724

Re: How do you afford to travel?

We go cheap on food and hotel. We will splurge for a meal or two, but We are there for the sights, not the food or hotel. Ideally, we just sleep at the hotel, and we don't spend a long time eating, because we want to be out looking around. How does the cheap hotel work out? I find that cheap hotels...
by tooluser
Sat Aug 10, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: How do you afford to travel?
Replies: 116
Views: 15724

Re: How do you afford to travel?

I plan and budget ahead.

After 30+ years of never enough leisure travel, I have both a mental and written flexible framework of how things will go, which works for me every time.

Traveling more frequently makes everything easier and often cheaper - practice makes perfect.
by tooluser
Sat Aug 10, 2019 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17487

Re: Are you a "solo ager?"

Robots will likely be able to deliver a better simulation of care than humans. Looking forward to them.
by tooluser
Fri Aug 09, 2019 11:47 pm
Forum: Personal Consumer Issues
Topic: Ponder this, BH's... is Ben & Jerry's worth it?
Replies: 122
Views: 7898

Re: Ponder this, BH's... is Ben & Jerry's worth it?

B&J's is too sweet for me. Not worth it.
by tooluser
Fri Aug 09, 2019 10:40 pm
Forum: Personal Consumer Issues
Topic: Healthy fast food
Replies: 152
Views: 10235

Re: Healthy fast food

Stick something healthful in and you will tend to displace the unhealthful. An apple, some grapes, celery and carrot sticks - all take up room with fewer calories and are gosh darn good and good for you. All available in the grocery store. Might need to wash them though. Not that I eat that way all ...
by tooluser
Fri Aug 09, 2019 2:38 pm
Forum: Non-US Investing
Topic: Broker Diversification
Replies: 23
Views: 1528

Re: Broker Diversification

And those extra accounts can sometimes be forced upon you. At my employer I moved my 403b from broker Y to broker X. Then a year later the company switched to a 401k available only at broker Y. So I end up with two accounts unless I want to put the 403b back at broker Y (which I do not). After I ret...
by tooluser
Fri Aug 09, 2019 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: "Rent the Back Yard"
Replies: 41
Views: 2888

Re: "Rent the Back Yard"

This is one of the worst ideas I've seen in a long time. LOL. Do they not have zoning laws in the Bay area? The website says "You can make $10-20k/year in rental income and don’t give up any of your privacy". I don't know about anyone else, but for me, nothing screams privacy like a weirdo living i...
by tooluser
Wed Aug 07, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Amazon -- no longer the lowest prices, evidently
Replies: 120
Views: 12363

Re: Amazon -- no longer the lowest prices, evidently

I recently saved about $100 on an office chair purchase at Walmart, compared to Amazon. Exact same chair. I also liked that I could pick it up at the store instead of having it delivered, for which they gave an additional $14 discount.

It definitely pays to shop around.
by tooluser
Sun Jul 28, 2019 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 53
Views: 4709

Re: How much to save?

1/3 to taxes 1/3 to expenses 1/3 to savings This will overachieve for most goals. Which is a goal that will likely take some time to achieve. I didn't start out that way, and most people can't. Taxes and savings were lower but expenses were much higher. Ratchet down over time and you will find your...
by tooluser
Sat Jul 27, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 6995

Re: Long commute: how to manage?

Speak with your spouse and children while you are commuting, if they are around and awake. Even a brief contact can be refreshing for all parties (or exasperating; maintain your sense of humor). This from a single no-kids guy who often fields questions from my boss or others while they commute. Work...
by tooluser
Sat Jul 27, 2019 12:36 am
Forum: Personal Investments
Topic: What rate of return do you use when calculating long term investments?
Replies: 32
Views: 2909

Re: What rate of return do you use when calculating long term investments?

...demographic headwinds as there were with Gen X... We're still here, and we expect bad times. Always hoping, but expectatious. Waiting for the next shoe to drop. Gen X is only 10% smaller than the Baby Boomers or Millennials. It's utterly insane that we are ignored. There will be consequences fro...
by tooluser
Sat Jul 27, 2019 12:17 am
Forum: Personal Finance (Not Investing)
Topic: How much to save?
Replies: 53
Views: 4709

Re: How much to save?

1/3 to taxes 1/3 to expenses 1/3 to savings This will overachieve for most goals. Which is a goal that will likely take some time to achieve. I didn't start out that way, and most people can't. Taxes and savings were lower but expenses were much higher. Ratchet down over time and you will find your ...
by tooluser
Fri Jul 26, 2019 7:03 pm
Forum: Personal Investments
Topic: What rate of return do you use when calculating long term investments?
Replies: 32
Views: 2909

Re: What rate of return do you use when calculating long term investments?

I wouldn't plan for the worst, but I would "account" for the worst reasonably likely scenario. A 50% decline in the stock market is a good exercise to conduct - what would you do then, immediately and for some time afterwards? And a similar, longer-term exercise using nisiprius's +/-3% (although I'm...
by tooluser
Fri Jul 26, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HMO
Replies: 18
Views: 1419

Re: PPO vs HMO

I had an HMO once and they made me limp around on a hurt foot for 6 weeks until I could see a specialist. Never again. With a PPO I don't need anybody's permission to seek immediate treatment for what ails me. If my regular doctor or who he refers me to are not available, I can always find someone e...
by tooluser
Thu Jul 25, 2019 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9570

Re: Where would you move to?

I wouldn't necessarily limit myself only to states without income taxes. "The man will get his money" one way or another. I live in a no-income state and property taxes are really high and, depending on the locality, sales taxes can be high as well. State tax burdens: 2018 State Revenues per Capita...
by tooluser
Tue Jul 23, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you move to?
Replies: 130
Views: 9570

Re: Where would you move to?

- Triple ditto on Washington. If I had to make the choice based on one state and your criteria, that is where it would be. Wet to dry, mountains and channeled scab land (much more beautiful than it sounds), depending on your exact location. - Western Wyoming a close second, because I like the Yellow...
by tooluser
Mon Jul 22, 2019 9:01 pm
Forum: Personal Investments
Topic: More aggressive portfolio with a pension?
Replies: 52
Views: 7020

Re: More aggressive portfolio with a pension?

There are pensions and then there are pensions. Mine is approximately half fixed with a COLA adjustment like social security, and half variable basically following a 60/40 portfolio (which has outperformed inflation, on average). As a result I find I have to do the math in a spreadsheet, including m...
by tooluser
Mon Jul 22, 2019 7:28 pm
Forum: Personal Consumer Issues
Topic: What companies provide the best customer service
Replies: 58
Views: 3725

Re: What companies provide the best customer service

Good customer service is utterly and completely random. I enjoy it when I get it.
by tooluser
Mon Jul 22, 2019 7:08 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 948
Views: 99880

Re: What frugal thing did you do today?

Only printed 1 mistaken page at work today. E-Button on copier/printer screen (all on one button): 2-Sided Scan 1-Sided Scan It turns out that "2-Sided Scan" is the name of the button, while "1-Sided Scan" is the option selected by default, so I missed the back page when I scanned the page. Had to r...
by tooluser
Sat Jul 13, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Reconsider conventional 3- fund portfolio?
Replies: 7
Views: 1063

Re: Reconsider conventional 3- fund portfolio?

I don't think your question is so much about the 3-fund portfolio, as whether the trend towards fewer publicly-traded companies and more private investments (companies, or companies that invest in companies) should change one's investment strategy. I have the same questions myself and have yet to se...
by tooluser
Sat Jul 13, 2019 6:08 pm
Forum: Personal Consumer Issues
Topic: "Objective" Importance of Keeping Your Physicians?
Replies: 63
Views: 4864

Re: "Objective" Importance of Keeping Your Physicians?

Tangentially related: I had good luck when searching for a new general practice/internal medicine doctor by getting online and finding someone 5-10 years out of residency, and from medical schools I trust. The 5-10 years out, late 30s to mid 40s in age, helps ensure they are "up" on the latest infor...
by tooluser
Wed Jul 10, 2019 10:21 pm
Forum: Investing - Theory, News & General
Topic: Retiring Early Correlates with Greater Longevity ?
Replies: 47
Views: 4850

Re: Retiring Early Correlates with Greater Longevity ?

Every month my company lists former employees who have died, and the year they retired from the company. They used to list the age too, but apparently that was offensive to someone so they stopped doing that. But you can still generally find their obituaries on the internet, and get their age. I loo...
by tooluser
Wed Jul 03, 2019 11:51 pm
Forum: Personal Finance (Not Investing)
Topic: The Day Has Come - Hit Retirement Number - Now What?
Replies: 103
Views: 10623

Re: The Day Has Come - Hit Retirement Number - Now What?

Why not double down, throw yourself into your work, and shoot for the moon? It's not too late, and you have nothing to lose. Imagine where you could be in 10 years! I find on the days where I am able to throw myself into the job and avoid the negatives, I am a much happier person. I avoid most of th...
by tooluser
Tue Jul 02, 2019 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18186

Re: Which Engineering Discipline for the next 20+ years !!!

I recommend getting a Master's degree instead of a double B.S.E.
by tooluser
Tue Jul 02, 2019 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Which Engineering Discipline for the next 20+ years !!!
Replies: 168
Views: 18186

Re: Which Engineering Discipline for the next 20+ years !!!

What kind of stuff does he like to build in the basement in his spare time? This is sometimes an interview question. I was asked this in my last interview with high level people. I got the job and later listened to some of my peers make the same assumption, which I think is incorrect. I am a EE wit...