Search found 978 matches

by Will do good
Sat May 30, 2020 1:02 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 136
Views: 9090

Re: Face mask recommendations

Order size is probably way more than what you need, but I'll post this here in case it helps somebody else. These are Level 1 ATSM surgical masks: https://joolamedical.com/ No affiliation. I've ordered twice from them. They are legit. First batch of 50 shipped within a week or two. Minimum order is...
by Will do good
Mon May 25, 2020 11:23 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

Watch the Munro Live videos if you want a deep dive look at the Tesla Model Y. Start with episode E1 and work your way up. You'll be amused to see what's in the hollow space near the wheel well to absorb sound. Here they are: https://www.youtube.com/channel/UCj--iMtToRO_cGG_fpmP5XQ/videos Holy cow!...
by Will do good
Thu May 21, 2020 9:02 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

You did not mention what kind of interior noise. There are different sources of noise. Is it wind noise? Probably not much to be done there unless there is a defect. Road/tire noise? What wheel package did it have? There will be some variation in the road noise based upon the tire choice. I think t...
by Will do good
Thu May 21, 2020 3:53 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Re: Tesla Y test drive

When I was mentioning the highway speed sound, my son ask why don't they put noise cancelling inside the car to cancel the tire and wind noise? He's right shouldn't that be pretty easy, since it's such old technology? The noise cancelling tech shouldn't disrupt horns, ambulance, fire dept trucks etc...
by Will do good
Thu May 21, 2020 1:26 pm
Forum: Personal Consumer Issues
Topic: Tesla Y test drive
Replies: 37
Views: 3438

Tesla Y test drive

We test drove the Y yesterday, love the acceleration but was a little surprise at the interior noise at highway speed. We can’t decided if we should get it or wait until the RAV4- Prime is available for a test drive and see which we should get. Any Tesla owners have issue with interior noise?
by Will do good
Thu May 14, 2020 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Secretly Retired - Family doesn't know
Replies: 27
Views: 2919

Re: Secretly Retired - Family doesn't know

Must be a different circle, I can't imagine any of my families or friends will ask for a "cut" if they think I can afford it. Not that we shared financial infos. If I do, I guess I'll avoid those people, families or not.
Good luck to the OP.
by Will do good
Sun May 10, 2020 9:13 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 197
Views: 22170

Re: Roll Call for the Retirement Class of 2020!

All the stuff around Covid-19 has me thinking the soup might get cold in 2020. I am assuming Covid-19 will accelerate my plans to retire either voluntarily or involuntarily. Either I will be thrown out or burnt out by the time this thing runs it's course. I thought you enjoyed your new work :confus...
by Will do good
Sun May 10, 2020 7:42 pm
Forum: US Chapters
Topic: Roll Call for the Retirement Class of 2020!
Replies: 197
Views: 22170

Re: Roll Call for the Retirement Class of 2020!

All the stuff around Covid-19 has me thinking the soup might get cold in 2020. I am assuming Covid-19 will accelerate my plans to retire either voluntarily or involuntarily. Either I will be thrown out or burnt out by the time this thing runs it's course. I thought you enjoyed your new work :confus...
by Will do good
Sun May 10, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: What are your alternative plans this summer if it was travel?
Replies: 65
Views: 5344

Re: What are your alternative plans this summer if it was travel?

Working full time plus OT, helping raise kids, projects around the house, keeping up with the yard and garden. What is this travel you speak of? Been there, done that. You will get your turn sooner than you know. Enjoy your time, for me those were the days, as much or even more than world travels.
by Will do good
Sat May 09, 2020 10:30 am
Forum: Personal Investments
Topic: Goal Reached - Now What?
Replies: 30
Views: 3350

Re: Goal Reached - Now What?

When we reached our goal, we traveled a lot... oh wait, never mind. :annoyed
by Will do good
Fri May 08, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55590

Re: How to get Toilet Paper ? seriously.

@9:45am Our midwest Costco has Kirkland TP & wipes (limited supply), Scott shop towels. Looks like they are no longer limiting how many people are inside, it was as pack as I've seen it in weeks. Meat section seem full but not all the cuts are available, many people were waiting for their turns to g...
by Will do good
Wed May 06, 2020 6:01 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3251

Re: Should you tip landscapers?

No, we don't.
But hot days we have offer them cold drinks.
by Will do good
Tue May 05, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11155

Re: All my friends are outperforming index funds

I brought APPL 1995, couple of years before Steve Jobs returned to Apple. I suppose I have outperformed better than index funds for almost 20 years. But my APPL stock is only a small part of my portfolio because I know I wouldn't trust 1 or few stocks to carry us thru our 30+ years of retirement, th...
by Will do good
Sun May 03, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 717
Views: 103744

Re: Year 2000 retirees using the '4% rule' - Where are they now?

Willthrill81, I almost fit the profile. I retired at the end of 2001, not 2000. Despite the two rough spots, the early 2000's and the 2007-2008 period, My 60/40, Three fund portfolio, with 5% rebalancing band was over twice as large at the end of 2019 as it was on Jan 1 2002. I used the 4% SWR with...
by Will do good
Thu Apr 30, 2020 12:28 pm
Forum: US Chapters
Topic: What is a Boglehead? Some Fun.
Replies: 53
Views: 2902

Re: What is a Boglehead? Some Fun.

Sandtrap wrote:
Tue Apr 28, 2020 9:14 am
A true “BogleHead” has a high security clearance to access the real mission and purpose of a BogleHead operative.
This includes; secret handshakes, “Bogle-craft”, and unanimous identities and avatars.

j🌺
I got my secret handshake from Victoria, I'm a proud BH. :sharebeer
by Will do good
Wed Apr 29, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe
Replies: 162
Views: 10123

Re: Podcast - Wade Pfau: The 4% Rule Is No Longer Safe

I remember him say something similar for the past 5+ years. Didn't he also included 1% advisory fees?
He sounds more and more like a salesman.
by Will do good
Sat Apr 25, 2020 9:04 pm
Forum: Personal Consumer Issues
Topic: [Anyone found] amazing shopping deals now?
Replies: 30
Views: 3917

Re: Amazing shopping deals now

Amazon seems swamped and unable to fill all their orders, so I’m not surprised that I haven’t seen many/any deals there. I cancelled my Prime membership since Prime shipping is no faster than regular shipping these days, and I never use the streaming services anyway. Also keeps me from buying stuff...
by Will do good
Wed Apr 22, 2020 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Are we spending too much on a house? 28yo & 24yo
Replies: 89
Views: 6115

Re: Are we spending too much on a house? 28yo & 24yo

Yes, I think it's too much money for your income, I rather move up when finance or family life does change instead of think it might change. We have couple of friend who brought 3 "forever" homes. Maybe it's a permission to believe it's ok to spend more now since it is the forever home? Oh, and they...
by Will do good
Mon Apr 20, 2020 7:37 pm
Forum: Personal Investments
Topic: Share your experience if you timed the market
Replies: 38
Views: 2304

Re: Share your experience if you timed the market

I don't know about others, I sold all my equities 1 day before the big drop and brought them back 1 day before the big rise.

I also wins every time at Vegas too. Really.



Joking aside, but I do know people who claims to win ALL the time in Vegas, that's why they are still working t 60's.
by Will do good
Mon Apr 20, 2020 2:51 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: [Oil futures price plummets, Bogleheads react]

Hope our government is smart enough to buy these future as much as possible, and stored them at the Strategic Petroleum Reserve (SPR) in underground salt caverns. You can't store the futures in the SPT. You need to: - think and plan ahead, - have transport and other infrastructure, - buy the future...
by Will do good
Mon Apr 20, 2020 2:37 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: [Oil futures price plummets, Bogleheads react]

Hope our government is smart enough to buy these future as much as possible, and stored them at the Strategic Petroleum Reserve (SPR) in underground salt caverns.
by Will do good
Mon Apr 20, 2020 1:15 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: Just ordered 10'000 barrels of oil for free - anyone else?

Wonder if I can store these oil in my swimming pool? maybe use the community pool as well. :twisted:
by Will do good
Mon Apr 20, 2020 1:06 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: Just ordered 10'000 barrels of oil for 45k USD - anyone else?

At these prices, wouldn't airline, trucking, shipping industries be buying futures to lock in cheap price? Not unless they want to pay the storage fees until they need it (currently $22/barrel for the next 1 month period). Oil futures contacts for delivery tomorrow are trading at ~$0, but oil contr...
by Will do good
Mon Apr 20, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: Just ordered 10'000 barrels of oil for 45k USD - anyone else?

At these prices, wouldn't airline, trucking, shipping industries be buying futures to lock in cheap price?
by Will do good
Mon Apr 20, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: [Oil futures price plummets, Bogleheads react]
Replies: 154
Views: 8073

Re: Just ordered 10'000 barrels of oil for 45k USD - anyone else?

I wonder where are the "Peak Oil" folks?
I know of one, luckily he sold out his position about a month ago, lost a bunch of money but not down 90% or more.
by Will do good
Fri Apr 17, 2020 3:18 pm
Forum: Personal Consumer Issues
Topic: Convince me - for or against bigger home
Replies: 92
Views: 5458

Re: Convince me - for or against bigger home

Want to FI and retire early? don't do lifestyle creep.
by Will do good
Fri Apr 17, 2020 3:16 pm
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8242

Re: Frugal quarantine habits to keep

I will try to buy much less items from Amazon and Whole Foods, they are taking too many jobs and destroying local businesses.
With COVID-19 we counted on them too much, their market share goes way up and small business force to close and will be hurting for a long time.

Shop local.
by Will do good
Fri Apr 17, 2020 10:14 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5812

Re: How are you exercising with gym closures

I have been using Mark Lauren's "You Are Your Own Gym: The Bible of Bodyweight Exercises" for years, I can do his routines at the gym, at home and best while traveling overseas a month at the time. So not a problem. I'm not associated with Mark. https://www.amazon.com/You-Are-Your-Own-Gym-ebook/dp/B...
by Will do good
Thu Apr 16, 2020 7:43 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72558

Re: Bogleheads community discussion - Coronavirus

It’s interesting how so many are arguing about surgical masks, in particular this 95% penetration. Getting sick is about viral load. It is very possible and highly probable that wearing a surgical mask is enough to diminish viral load so that you don’t get sick. Understand, if one virus strain ente...
by Will do good
Thu Apr 16, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55590

Re: How to get Toilet Paper ? seriously.

Our Trader Joe (IL) had TP. But they only allow 10-12 cart inside at a time, so 6' is not a problem.
by Will do good
Thu Apr 16, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14316

Re: Apple Released a New Low-cost Iphone

I love my iPhones. Think the SE will be perfect for my father-in-law.
Great value and will last him 5+ years.
by Will do good
Thu Apr 16, 2020 3:59 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16605

Re: Still using total bond market?

VBMFX
2019 8.61%
YTD 4.99

I think I'm ok with those returns.
by Will do good
Thu Apr 16, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: How to get N95 masks? Seriously
Replies: 61
Views: 5051

Re: How to get N95 masks? Seriously

I've had to remove over half the posts in this thread. If you want to discuss mask effectiveness, or mask usage or mask hoarding or hospital mask sterilization techniques or anything other than how to get N95 masks or available substitutes for N95 masks , use the general coronavirus thread. The gen...
by Will do good
Thu Apr 16, 2020 9:54 am
Forum: Personal Consumer Issues
Topic: Advise what to do after receiving email from Hacker trying to extort money
Replies: 57
Views: 4489

Re: Advise what to do after receiving email from Hacker trying to extort money

I have those emails for months, at time 3-4 a day. They all post one old password I used to use years ago, they also claim they hack my computer and video camera and watch me do illegal stuff, if I don't pay them they will turn me in or shame me to my family and friends. :twisted: Don't respond, mak...
by Will do good
Wed Apr 15, 2020 2:23 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20135

Re: What are you doing for haircuts due to coronavirus shutdown?

Mel Lindauer wrote:
Fri Apr 10, 2020 12:45 pm
Reading these posts sounds like it's way too much worry and work. How about just brushing it back into a pony tail?
Damn hippie!





:D
by Will do good
Tue Apr 14, 2020 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13484

Re: How many paid for kids' college?

Both my wife’s and my parents paid for both of our expensive private undergrads, probably $400k in total (in mid-2000s dollars) Ten years later the two of us now make close to $600k combined (almost 50/50). So I’d say it was a good investment on our parents’ part. Looking forward to my two kids, th...
by Will do good
Tue Apr 14, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How many paid for kids' college?
Replies: 282
Views: 13484

Re: How many paid for kids' college?

We paid for our 3 children's undergrad. We feel we should give them a legs up to life/career. We would have done it even if we don't ever eat out or travel. But we didn't have to. Our culture expected us to and I agreed. That's what a family suppose to do, support each others to become stronger as a...
by Will do good
Sun Apr 12, 2020 3:58 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129038

Re: Coronavirus (Consumer Issues) How you are preparing?

I bought a box of them several years ago in preparation for just such an event as this. I think I paid $6-7 for a box of 20 made by 3M. Somewhere on bogleheads someone said that masks degrade over time, about three years. It looks like not the mask material that degrade, but the seal and strap. If ...
by Will do good
Fri Apr 10, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: If you have a sizable portfolio, you don't need an emergency fund
Replies: 140
Views: 10351

Re: If you have a sizable portfolio, you don't need an emergency fund

If you have 50x expense portfolio with a reasonable AA, you might not need an emergency fund.
by Will do good
Fri Apr 10, 2020 3:26 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72558

Re: Bogleheads community discussion - Coronavirus

I live out west in Phoenix. This is the home of TGEN or Translational Genomics Inc. This company has been doing human genetic mapping of all kinds for a long time. They have made significant discoveries in cancer research and associated drugs. They have started some new genetic research to understa...
by Will do good
Fri Apr 10, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1590
Views: 129038

Re: Coronavirus (Consumer Issues) How you are preparing?

Mask Effectiveness: Percent of <.3 micros filtered out N-95 95% Surgical Mask 60-80% Origami vacuum bag 60-8% Quilting fabric, 2 layer 70-79% Furnace filter, 2 layer 75% Pillow case 600ct, 4 layer 60% YMMV More on the NYT link: https://www.nytimes.com/article/coronavirus-homemade-mask-material-DIY-f...
by Will do good
Wed Apr 08, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 12687

Re: How are you going to use your stimulus money?

Donate some to local food bank.
by Will do good
Sun Apr 05, 2020 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10326

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

Yes.
No overseas travel
No health club fees
No restaurants
No random shopping
Less gasoline for the above
by Will do good
Sun Apr 05, 2020 1:30 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72558

Re: Bogleheads community discussion - Coronavirus

No change to Investment. Life, yes. When things are back to "normal" we will not put off living to tomorrow, will see more families & friends, eat out more, travel even more than 3x-4x a year, do whatever we want (within reason) which we can afford, life is short. If most people feel that way, that...
by Will do good
Sun Apr 05, 2020 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 freelancers: would you cut your rate at a client's request?
Replies: 26
Views: 1449

Re: 1099 freelancers: would you cut your rate at a client's request?

How long would it take to replace a client like this one? Me, I would take a pay cut but once things are back to normal raise your rate again. While taking the pay cut you can look for new clients and see how easy it is to replace this one. https://hbr.org/2014/10/the-value-of-keeping-the-right-cust...
by Will do good
Sun Apr 05, 2020 9:43 am
Forum: Personal Consumer Issues
Topic: Safest way to get food
Replies: 168
Views: 13436

Re: Safest way to get food

I shop in a target grocery store that is incredibly busy and used by a lot of people that do not practice social distancing and use the local shelters. I've gone twice in the last three weeks. I wore nitrile gloves and a p100 respirator mask inside, and I work with cadavers at work so I know how to...
by Will do good
Sat Apr 04, 2020 6:54 pm
Forum: US Chapters
Topic: Bogleheads community discussion - Coronavirus
Replies: 1653
Views: 72558

Re: Bogleheads community discussion - Coronavirus

No change to Investment.
Life, yes.

When things are back to "normal" we will not put off living to tomorrow, will see more families & friends, eat out more, travel even more than 3x-4x a year, do whatever we want (within reason) which we can afford, life is short.
by Will do good
Fri Apr 03, 2020 10:54 am
Forum: Personal Investments
Topic: Does anyone else just not care/worry?
Replies: 139
Views: 9633

Re: Does anyone else just not care/worry?

I worry about my adult children's job, our families's health.The lose of jobs and what it could do to all the people around the world.
I don't worry about my portfolio.
by Will do good
Fri Apr 03, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 180
Views: 10326

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

My expenses have plummeted since dining out and travel were always major components. I have largely parked my rocketship that eats gas and tires. I'm wearing slovenly clothing that I normally cannot wear, saving wear and tear on my M-F best. I've also booked substantial capital losses which should ...