Search found 606 matches

by tooluser
Sun Jun 28, 2020 11:15 am
Forum: Personal Consumer Issues
Topic: Work comp insurance for gardeners?
Replies: 7
Views: 455

Re: Work comp insurance for gardeners?

Ask your insurance agent about the cost for "outservant insurance".
First article I searched for: https://hwpinsurance.com/homeowners-pol ... dorsement/
by tooluser
Thu Jun 25, 2020 7:52 pm
Forum: Personal Investments
Topic: Dividends = Forced Stock Sale
Replies: 13
Views: 1057

Re: Dividends = Forced Stock Sale

Not dividends per se: Some of the clarifying events in my turn from individual stocks to Boglehead ways were when mergers happened. More and more, the merger would result in something like a 75% forced sale (cash) plus 25% stock in the acquiring company. Maybe I just had bad luck with all those, but...
by tooluser
Thu Jun 25, 2020 6:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5560
Views: 1360859

Re: What Movie Have You Recently Watched?

Starship Troopers (I never read the novel, but it plays like Heinlein + Robocop.) Starship Troopers 2 (The plot largely rips off Aliens and a Star Trek:TNG story.) Starship Troopers 3 (The plot largely rips off Star Trek V.) Starship Troopers: Invasion (I'm not done with the 4th one yet. It's all C...
by tooluser
Tue Jun 23, 2020 9:14 pm
Forum: Personal Consumer Issues
Topic: What to buy parents as a token of appreciation/retirement
Replies: 57
Views: 3761

Re: What to buy parents as a token of appreciation/retirement

As myself the youngest of three, I would say you should ask the youngest, one more time offline from others, what they are thinking. I doubt they truly have no opinion. They may just not want to get in the middle. Or they may truly have no preference or good ideas, but will want to weigh in on the f...
by tooluser
Fri Jun 19, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

Since my initial foray into dehydrated food, I have had another breakfast Mountain House. The first one was "Biscuits and Gravy", which I do not recommend. The second was "Breakfast Skillet", which was pretty good. Not as good as a fresh sausage, eggs, and potatoes scramble, but serviceable. It had ...
by tooluser
Fri Jun 19, 2020 8:41 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

LadyGeek wrote:
Thu Jun 18, 2020 7:47 pm
Not bad, but it falls short of what I expect from a milkshake.
Unexpected ingredient:
Look up milkshake recipes that include PAM or cooking spray. It has lecithin, which acts as an emulsifier and will help make the milkshake stay together.
by tooluser
Fri Jun 19, 2020 8:36 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

discovered I have about 10 cans of sardines in the back of the pantry. I really wish I could think of ways to use sardines other than on a platter with crackers. Anyone? sardines? In the past week I have found that smoked fish, onions, and capers on a bagel; is different from smoked fish, onions, c...
by tooluser
Thu Jun 18, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 83
Views: 8911

Re: Recommend a good SOCK. Yes, I said SOCK!

Over the past several months I tried three different brands via socksaddict.com. In one purchase I bought 3 pairs each (blue, grey, black) of what I thought were similar socks. As it turned out they are very different by brand. None of them were cheap. All of them are good, comfortable socks. Mid-ca...
by tooluser
Sun Jun 14, 2020 8:33 pm
Forum: Personal Investments
Topic: Retire at 55 in 6 months- doable?
Replies: 16
Views: 3379

Re: Retire at 55 in 6 months- doable?

One-Off Expense Reserve: https://www.theretirementmanifesto.com/our-retirement-investment-drawdown-strategy/ (Search for "One-Off Expense Reserve" or scroll down the page until you see it.) It's a simple table similar to how a condo association keeps reserves. You predict the life or frequency of re...
by tooluser
Sat Jun 13, 2020 7:33 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2650

Re: EPO Horror Stories?

Even though I've never gone out of network, the PPO - at $3250 extra year - could pay for itself for an entire retirement with one bad experience. Or it could be a substantial money sink. I can imagine a situation where I am vacationing in, say, Germany (very good healthcare available) for 3 months....
by tooluser
Sat Jun 13, 2020 6:19 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2650

Re: EPO Horror Stories?

Lance Armstrong https://www.esquire.com/entertainment/tv/a32644022/lance-armstrong-espn-documentary-epo-drug-explained/ I had recently become aware of a Bruce Lee retrospective for the same series on ESPN, and caught a bit of the two-part Lance Armstrong story. I'm not much of a sports fan, but the...
by tooluser
Thu Jun 11, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2650

Re: EPO Horror Stories?

Thanks everyone - this has been helpful in clarifying my thoughts. I think I need to poke my benefits department and the provider and try to get some more info as to what providers are actually in network for areas I might retire to or travel to. What I can find online is not very clear. At the Blue...
by tooluser
Wed Jun 10, 2020 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE-when, your decision making process
Replies: 36
Views: 3232

Re: FIRE-when, your decision making process

Some people use this as part of the decision process. Draw up a list of side projects or changes that would make your work-life better. Insist on working on those things. If they let you or are willing to negotiate, you keep working to see how it goes. If they reject you out and out, you quit. A sl...
by tooluser
Sun Jun 07, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2650

Re: EPO Horror Stories?

Cheez-It Guy wrote:
Sun Jun 07, 2020 9:50 pm
Endurance athletes have a lot of EPO horror stories.
Talking medical insurance, not doping. But now I have something more to become educated about. :D
PPO = Preferred Provider Organization
EPO = Exclusive Provider Organization
HMO = Health Maintenance Organization
by tooluser
Sun Jun 07, 2020 9:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9607

Re: Amazon Prime Membership Question [Considering to drop membership]

I dropped my Prime at the renewal date late last month. I did not feel that Amazon dealt with a recent return issue fairly or honestly - in direct contravention to their gurantee. I decided to eat the lack of return rather than continue a process that was going nowhere, dragged out by customer no-se...
by tooluser
Sun Jun 07, 2020 8:45 pm
Forum: Personal Consumer Issues
Topic: EPO Horror Stories? [Exclusive Provider Organization - health insurance]
Replies: 30
Views: 2650

EPO Horror Stories? [Exclusive Provider Organization - health insurance]

In retirement my company offers supplemental reimbursement for PPO, EPO, and HMO health insurance. I am not interested in an HMO (previous bad experience related directly to the business model). The EPO has about 30% lower premiums than the PPO, and does not reimburse anything if you go outside the ...
by tooluser
Thu Jun 04, 2020 8:56 pm
Forum: Personal Consumer Issues
Topic: Do I have a bad car battery or just needs to be charged more often?
Replies: 30
Views: 1505

Re: Do I have a bad car battery or just needs to be charged more often?

More than the battery needs to be exercised as well. I highly recommend getting out in the car at least once a week, and driving enough that the engine comes up to full temperature, and preferably that you put some highway miles on it at speed as well. This exercises all parts of the car, including ...
by tooluser
Sat May 30, 2020 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: [IRS tax filing deadline moved to July 15]
Replies: 60
Views: 4149

Re: [IRS tax filing deadline moved to July 15]

Reminder: https://www.youtube.com/watch?v=Ai3YggXpJos (Robert Cray: 1040 Blues) Taxes gonna break my back I swear Don't you know I paid a lot more than my share I hate taxes You know I'm thinkin' about movin' somewhere else But I can't because I love America too much Especially California Yeah I gue...
by tooluser
Thu May 28, 2020 10:54 pm
Forum: Personal Consumer Issues
Topic: Car Issues - No Oil
Replies: 63
Views: 4715

Re: Car Issues - No Oil

That's not normal. I'd buy a different car, toot suite, PDQ. Stop wasting time and mental energy on it.

I've had zero leakage/usage of oil in Toyotas that I have owned with engines built in Japan. One was 14 years old when I donated it. Plenty wrong with it over time, but not the engine.
by tooluser
Mon May 25, 2020 8:58 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10778

Re: Is Vanguard's Personal Advisor Service Worth It???

So at the right time, it's a simple task to slide the entire portfolio into the PAS account and it will be managed in the manner that we are comfortable with, create spending accounts, RMDs etc. That's the first time I've seen/heard of that. Even Vanguard doesn't advertise that, as far as I'm aware...
by tooluser
Mon May 25, 2020 8:19 pm
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6750

Re: I have no risk tolerance: where am I supposed to keep my money?

You have discovered something very valuable and meaningful about your own risk tolerance. You should feel good about that.

Going from 90/10 to 0/100 is a very big step that is probably not right either. You have more studying to do. Take the time to do it right, then develop a plan to get there.
by tooluser
Sun May 24, 2020 1:38 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2901

Re: Amazon Prime delayed shipping

The shipping problem is not much of a driver for me, I get that things are disrupted. However, they should honor the terms of the product, reducing or refunding part if they cannot deliver what they promised. I've been decoupling from Amazon, and my recent "customer no service" experience for a prod...
by tooluser
Sat May 23, 2020 9:51 pm
Forum: Investing - Theory, News & General
Topic: Examples of why NOT to hold individual stocks
Replies: 93
Views: 7759

Re: Examples of why NOT to hold individual stocks

Long ago I had some Anthem Blue Cross stock (a for-profit insurer). One day they announced that they would be "changing their accounting practices", and the effect would be to decrease their earnings by 30%, **FOREVER**. The stock immediately nose-dived by 30%. What they had really announced was tha...
by tooluser
Sat May 23, 2020 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31283

Re: The axe falls and I am prepared. What's next?

At the least, you're in a better position that what you imagined as your worst case retirement plan. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=220234 If keeping up with the latest tech updates is getting harder, how about taking a lesser job just to keep benefits, some cash flow and serv...
by tooluser
Sat May 23, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 370
Views: 31283

Re: The axe falls and I am prepared. What's next?

KlangFool, I've always appreciated reading about your conservative approach to wealth management, amid all the 100% stock go-go bulls of the Bogleheads forum. You helped me feel OK about taking some risk off the table. Glad to see you're well-prepared for this. Bravo, and good luck to you. lgs88 Di...
by tooluser
Fri May 22, 2020 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Financial advice for undertaking a PhD
Replies: 47
Views: 3158

Re: Financial advice for undertaking a PhD

Lots of good advice so far. I got mine because I was always good in school and wanted to take it to the end. It also helped my career a great deal, even in a company with ~25% doctoral degrees. You will get many positive and some negative comments about it for the rest of your life; people are funny...
by tooluser
Thu May 21, 2020 8:04 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

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 Well, on some level it did kind of suck. :arrow: Tonight: br...
by tooluser
Tue May 19, 2020 9:00 pm
Forum: Personal Investments
Topic: Open Social Security strategy results question
Replies: 59
Views: 4269

Re: Open Social Security strategy results question

David Jay wrote:
Tue May 19, 2020 8:10 pm
tooluser wrote:
Mon May 18, 2020 10:27 pm

I can imagine scenarios where this makes sense...
...in almost every case...
So we agree! I didn't say it would be common, but that people should check. Peace!
by tooluser
Mon May 18, 2020 10:57 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

In one of my earlier posts I mentioned eventually breaking into the freeze-dried earthquake rations. I finally did that last week, for a breakfast. The rations are Mountain House, a well-respected brand known for being tastier than others, with a 30-year shelf life. Well, it is for sure some tasty ...
by tooluser
Mon May 18, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Choices of and precautions at hotels in this summer
Replies: 52
Views: 3107

Re: Choices of and precautions at hotels in this summer

No extras offered. Seems like a hoteliers profit expansion dream. I joked that next is to replace the one employee with a tablet that you use to check in. Even in non-COVID times, I'd pay extra to have a guarantee of no contact with other hotel guests or employees, double if they also made no sound...
by tooluser
Mon May 18, 2020 10:27 pm
Forum: Personal Investments
Topic: Open Social Security strategy results question
Replies: 59
Views: 4269

Re: Open Social Security strategy results question

OpenSocialSecurity is a wonderful tool. Everyone should run sensitivity analyses on the various age(s) of retirement(s) and see what the difference is. As a single, maxed-out for many of my 35+ contribution years person, I found that the optimal claiming age was very close to either extreme (age 62 ...
by tooluser
Mon May 18, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

I think if you are getting bored it's probably time to challenge yourself to do something or try something you have not done or eaten before. It's easy to get on a "food treadmill" of trying to use everything optimally and perhaps not seeing other possibilities. Try a "pantry challenge" and combine ...
by tooluser
Sun May 17, 2020 10:47 pm
Forum: Personal Investments
Topic: Merrill Edge Guided Investing switch to Self-Directed
Replies: 11
Views: 926

Re: Merrill Edge Guided Investing switch to Self-Directed

Hi, I keep seeing Vanguard as the recommended fund to pick for lazy / three-fund portfolios. Are there any others, or do they generally all perform the same as long as the asset allocation is right for each of them? Also, are index funds generally better than ETFs for retirement? For the tax-based ...
by tooluser
Sun May 17, 2020 9:48 pm
Forum: Personal Consumer Issues
Topic: Getting the sizing right for online clothing purchases
Replies: 6
Views: 541

Re: Getting the sizing right for online clothing purchases

I am a giant and order almost all of my clothes online. I make sure whomever I purchase from has a good return policy. It ain't cheap.
by tooluser
Sun May 17, 2020 9:41 pm
Forum: Personal Investments
Topic: Merrill Edge Guided Investing switch to Self-Directed
Replies: 11
Views: 926

Re: Merrill Edge Guided Investing switch to Self-Directed

I think a 70/30 asset allocation is conservative for your age, but I tend to be a bit on the aggressive side. I was 100/0 until age 45, but am 70/30 as I near age 55 and retirement. In tax-deferred accounts you can always switch investments later without tax consequences, so the choice of 3-fund vs ...
by tooluser
Sat May 16, 2020 8:16 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6558

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. I saw 60 oz (yes, six-oh) bottles of hand sanitizer on sale at Walmart Online yesterday, for same-day pickup at the location ne...
by tooluser
Sat May 16, 2020 7:57 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6558

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. I saw 60 oz (yes, six-oh) bottles of hand sanitizer on sale at Walmart Online yesterday, for same-day pickup at the location ne...
by tooluser
Fri May 15, 2020 11:38 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5773

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

My stoves over the years have never been able to simmer, so that's why I finally bought a rice cooker. I'm very happy with my Zojirushi YAC10. It looks like they maybe don't make them anymore. It was higher-end, many featured, but not a pressure cooker. I have an irrational fear of pressure vessels ...
by tooluser
Fri May 15, 2020 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Companies that have a pension and 401k?
Replies: 63
Views: 3590

Re: Companies that have a pension and 401k?

My company went from a pension and no-match 403b, to a 401k with company match. The company 401k contributions, though moderately generous by most standards today, are roughly 25% of the original pension contribution amount. Many employees were delighted with the large cut to total compensation. (Th...
by tooluser
Thu May 14, 2020 5:20 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 1477
Views: 170703

Re: What frugal thing did you do today?

Questions: 1. Two bathrooms. We each almost exclusively use our own... So two rolls are in use at a time. I might change mine every two weeks, so that would be 2 rolls a month for me. My wife more than likely uses more, so (conservatively) I just doubled my usage (new roll once per week, or 4 rolls...
by tooluser
Sun May 10, 2020 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement due to COVID 19 ?
Replies: 82
Views: 6308

Re: Retirement due to COVID 19 ?

Some employers are more understanding than others. Some are more risk averse than others (they will want to avoid the potential of a lawsuit if you get sick when they asked you to return to the workplace). Since you are financially marginal to retirement, I would think through what it would take for...
by tooluser
Sun May 10, 2020 5:34 pm
Forum: Investing - Theory, News & General
Topic: Thoughts currently on VCAIX?
Replies: 5
Views: 382

Re: Thoughts currently on VCAIX?

To date Californians have shown a high tolerance for high taxes and tax increases of almost any kind, so there's a good chance any economic shortfalls will be made up. California is not one of the hardest hit states by virus as a percent of population. The state also has an emergency fund they have ...
by tooluser
Thu May 07, 2020 7:30 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

Canadian Hot Dog soup. Inquiring minds would like to know what makes the hot dog soup Canadian? :D Googling the phrase brings up only a single link to this same thread. Hot Dog Soup is a thing. Canada is a thing. I am familiar with Campbell's Canadian Pea soup (which is yellow, not green). I had my...
by tooluser
Tue May 05, 2020 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3160

Re: Moving from High taxed state to no income tax state

Where is the calculator that I can enter my own information and be given the correct answer? Thank you in advance. That was kind of tongue-in-cheek, but wouldn't that tool be hugely useful? I've heard that the (not free) Maxifi planner has this capability. Is that true? It is possible to do all the ...
by tooluser
Mon May 04, 2020 8:57 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Membership Question [Considering to drop membership]
Replies: 136
Views: 9607

Re: Amazon Prime Membership Question

I am getting my orders in 1 to 30+ days so far. Spatulas must be high priority, since they arrived at my door in Los Angeles 2 days after their shipment from Chicago. We all have our part to play. Sometimes when ordering from Amazon I feel just like Mr. Zorg. Push a button and so much activity! http...
by tooluser
Sun May 03, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Share your Re-Balancing Strategy
Replies: 25
Views: 1710

Re: Share your Re-Balancing Strategy

I rebalance my overall portfolio to my target allocation every year around my half-birthday (not to the day). The rebalancing happens in the largest non-taxable account so there are no tax consequences and there is enough funds to make the difference.. For tax-deferred portions of the overall portfo...
by tooluser
Sun May 03, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6456

Re: Best BBQ for the money?

I have an unjustified fear of pressure vessels. Therefore I use a Weber Smokey Joe and a Weber 22" Kettle (Silver), both charcoal powered, depending on the volume and cooking method of the meal. It takes only a slight bit more planning to light the briquettes ahead of time. Time out for a beer. :bee...
by tooluser
Sat May 02, 2020 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Car Dealers not really wanting to make a deal
Replies: 245
Views: 36049

Re: Car Dealers not really wanting to make a deal

Determine the price you're willing to pay and stick to it. There's an emotional aspect to a big purchase that is different for everyone. Just like investing, except without the likely positive long-term returns. I'd buy a new car every year if the price was right and the experience was pleasant. Sin...
by tooluser
Fri May 01, 2020 10:58 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

Canadian Hot Dog soup. Inquiring minds would like to know what makes the hot dog soup Canadian? :D Googling the phrase brings up only a single link to this same thread. Hot Dog Soup is a thing. Canada is a thing. I am familiar with Campbell's Canadian Pea soup (which is yellow, not green). I had my...
by tooluser
Fri May 01, 2020 2:18 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 297
Views: 18568

Re: So what are you cooking

I just made and devoured some "chickeny fried rice" for lunch. It had no chicken in it, but did use some chicken schmaltz I had saved from roasted thighs earlier in the week, and an egg. Plus leftover rice, veg, and sauce. Third time ever to make fried rice, and I think I know what I am doing now.