Search found 397 matches

by windaar
Wed Aug 05, 2020 10:37 pm
Forum: Investing - Theory, News & General
Topic: When and how often do you rebalance?
Replies: 50
Views: 2162

Re: When and how often do you rebalance?

On my birthday every year. That keeps me from fiddling around otherwise.
by windaar
Wed Jul 22, 2020 9:27 am
Forum: Personal Investments
Topic: Dollar cost average plus the dips?
Replies: 28
Views: 1473

Re: Dollar cost average plus the dips?

For most people, timing or making financial decisions in reaction to market events does not work. But many think that they have things "figured out," just like my brother in law who wore magnetic bracelets to improve his golf game.
by windaar
Tue Jul 21, 2020 6:33 pm
Forum: Personal Consumer Issues
Topic: Cut cable experience
Replies: 34
Views: 2655

Re: Cut cable experience

Antenna in attic, Sling, Netflix, Amazon since we already have Prime. All we need!
by windaar
Tue Jul 21, 2020 6:27 pm
Forum: Personal Investments
Topic: Where is your fixed income invested?
Replies: 71
Views: 5208

Re: Where is your fixed income invested?

All in TIAA Traditional.
by windaar
Sat Jul 18, 2020 11:13 pm
Forum: Personal Investments
Topic: Until What Age Would You Recommend 0% Bond Allocation?
Replies: 149
Views: 8071

Re: Until What Age Would You Recommend 0% Bond Allocation?

Many will disagree but for me "age in bonds" makes it simple and I don't have to think about it.
by windaar
Sat Jul 18, 2020 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Give new doctor a SSN?
Replies: 86
Views: 7140

Re: Give new doctor a SSN?

Over the last 10 years whenever I've seen a new specialist or have been handed that clip board by any doctor's office I have always left the SSN field blank. No one has ever said anything about it.
by windaar
Tue Jul 14, 2020 9:21 pm
Forum: Investing - Theory, News & General
Topic: Dow at October 2019 levels!
Replies: 14
Views: 2275

Dow at October 2019 levels!

Of course anything can change at any time, but good news for the "buy & hold" crowd.
by windaar
Tue Jul 14, 2020 8:53 pm
Forum: Personal Investments
Topic: Lump Sum -or- DCA approach always petrifies me
Replies: 47
Views: 2332

Re: Lump Sum -or- DCA approach always petrifies me

Murphy's Law says that the longer you wait the more the market will climb, and if you lump it will tank. If you can't handle either of these scenarios put together an AA you can live with and a planned DCA. It is not the wisest financially, they say, but is a psychological tool. If the market went b...
by windaar
Fri Jul 10, 2020 6:53 pm
Forum: Personal Consumer Issues
Topic: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.
Replies: 72
Views: 4936

Re: Tip Dental Hygienist for Teeth Cleaning? Thanks everyone.

I once had a sports massage therapist refuse a tip I offered. He was offended. Tips are for service workers, not professionals. I wouldn't tip my attorney or CPA. Dental Hygienists don't expect tips.
by windaar
Thu Jul 09, 2020 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Basic eBay Questions - New to eBay
Replies: 80
Views: 3284

Re: Basic eBay Questions - New to eBay

I have bought & sold on eBay for 20 years; never any problem with 100s of transactions, even items selling for hundreds of dollars. These have mostly been niche collectibles so there is a self-selected clientele. I think people find trouble when they sell valuable things that many are interested in:...
by windaar
Thu Jul 02, 2020 12:34 pm
Forum: Investing - Theory, News & General
Topic: Investing in whiskey
Replies: 18
Views: 844

Re: Investing in whiskey

Oh - That outfit is selling Whisky, not Whiskey. Scotch is a fussy thing and Scotch drinkers can be very particular. I know a little about Scotch but I'd stay away for the reasons others have given.
by windaar
Thu Jul 02, 2020 12:19 pm
Forum: Investing - Theory, News & General
Topic: Investing in whiskey
Replies: 18
Views: 844

Re: Investing in whiskey

In the 90s I was considering investing on the ground floor of an upcoming local brewpub. I asked advice from a friend who knows about such things and he asked "have you tasted the beer?" Well I had not, I don't think they had even done any batches at that point. I somehow never thought of that. The ...
by windaar
Sun Jun 28, 2020 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Safest way to send cash through the mail
Replies: 15
Views: 2401

Re: Safest way to send cash through the mail

Use PayPal. No bank account needed to receive funds. "Tracking" is useless once the mailpiece Leaves the USA.
by windaar
Sat Jun 27, 2020 10:16 pm
Forum: Personal Consumer Issues
Topic: Best secure email to use instead of gmail?
Replies: 93
Views: 16195

Re: Best secure email to use instead of gmail?

Look into fastmail.com for security and privacy.
by windaar
Thu Jun 25, 2020 11:03 pm
Forum: Personal Investments
Topic: TIAA Trad Still A Good Investment?
Replies: 29
Views: 1807

Re: TIAA Trad Still A Good Investment?

I am confused about retirement choice product of TIAA - if the guarentee is 1% and it is currently paying 3% for new money deposited this year - does that mean that next year it continues at 3% or can it get reset down to as low as 1% Thanks Log into your TIAA account and click on the TRAD interest...
by windaar
Wed Jun 24, 2020 8:45 pm
Forum: Personal Investments
Topic: TIAA Trad Still A Good Investment?
Replies: 29
Views: 1807

Re: TIAA Trad Still A Good Investment?

I use TRAD instead of bonds. It never goes down, am getting 3% and 4% in my accounts. Even if the percentage lowers next year I would think twice before jumping ship. Has served me VERY well for 20 years.
by windaar
Mon Jun 22, 2020 11:42 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13857

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

It is a mistake to assume that members/posters here are all Bogleheads who endorse "Investing Advice Inspired by Jack Bogle." Many are just people who joined the forum with whatever financial philosophy. Just look at all the threads back in March asking how to best time the market.
by windaar
Thu Jun 18, 2020 9:02 pm
Forum: Personal Investments
Topic: Move into bonds/cash/money market before the bubble bursts?
Replies: 50
Views: 4915

Re: Move into bonds/cash/money market before the bubble bursts?

OP, why in the world have you come to a financial forum with the motto "Investing Advice Inspired by Jack Bogle" to ask this kind of question? I thought about that before I posted the question since I've read Bogle's books and have reviewed many of the posts in the forum. However, Jack Bogle isn't ...
by windaar
Thu Jun 18, 2020 6:28 pm
Forum: Personal Investments
Topic: Move into bonds/cash/money market before the bubble bursts?
Replies: 50
Views: 4915

Re: Move into bonds/cash/money market before the bubble bursts?

OP, why in the world have you come to a financial forum with the motto "Investing Advice Inspired by Jack Bogle" to ask this kind of question?
by windaar
Tue Jun 16, 2020 9:51 pm
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 48
Views: 4817

Re: chicken marinade recipes

For Chicken Thighs: Marinade a few hours in a Ziplock bag with oil of choice, Kikkoman Soy Sauce, Lemon Juice, Garlic Powder, Honey, dash of Sesame Oil, Pepper. Charcoal grill, coals on one side, drip pan on the other side. Put some oil on the grill. Sear over the coals for a minute or 2 each side, ...
by windaar
Tue Jun 16, 2020 9:35 pm
Forum: Personal Consumer Issues
Topic: Replacing roof: Ridge vent or solar fans best?
Replies: 32
Views: 2315

Re: Replacing roof: Ridge vent or solar fans best?

I spent a couple of days researching this a few years ago. Your attic ceiling is not air tight. Think of holes for ceiling lamps, hollow walls that go straight to the basement, bathroom fans, any number of non-sealed points. Attic exhaust fans can pull cooled interior air as much or more than from s...
by windaar
Tue Jun 16, 2020 8:40 am
Forum: Investing - Theory, News & General
Topic: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.
Replies: 81
Views: 8226

Re: WSJ: 1/3rd of investors over 65 sold ALL their equities between Feb 20-May 15th.

Most of my co-workers don't talk about investing, but the ones who do talk explicitly about their market timing and stock picks. My experience exactly. There must be a lot of Bogleheads out there but I have never met one. My friends, relatives, and co-workers all treat their investments as if they ...
by windaar
Mon Jun 15, 2020 9:20 pm
Forum: Personal Investments
Topic: Need advice on company stock investment
Replies: 19
Views: 600

Re: Need advice on company stock investment

Boglehead philosophy includes not loading up on individual stocks for good reason. One of my friends got totally shafted when her company stock retirement evaporated in the 1990s just like that.
by windaar
Fri Jun 12, 2020 5:41 pm
Forum: Personal Consumer Issues
Topic: In-wall pest control tubes to inject pesticides?
Replies: 9
Views: 845

Re: In-wall pest control tubes to inject pesticides?

OP didn't specify type of pest. Products with Boric Acid work best for both roaches and ants; powdered like Roach Prufe for roaches, liquid like Terro for ants. Both have been effective for me.
by windaar
Fri Jun 12, 2020 5:31 pm
Forum: Personal Investments
Topic: Is it bad to be a "day trader"?
Replies: 51
Views: 3019

Re: Is it bad to be a "day trader"?

My sample size is small but everyone I know who has day traded has, in the end, lost big. It isn't "bad" but maybe not a good idea. It's a Vegas mindset. If it were that easy everyone would do it.
by windaar
Wed Jun 10, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: How to be informed but tune out the noise?
Replies: 26
Views: 1802

Re: How to be informed but tune out the noise?

I read the WSJ for daily news. No cable news (because no cable!) have also pulled the plug on most social media.
by windaar
Mon Jun 08, 2020 7:26 am
Forum: Personal Investments
Topic: Change 529 AA?
Replies: 5
Views: 352

Re: Change 529 AA?

Personally couldn't imagine doing 100% Equities for a 10 year horizon. I'd stick with an age-based option so you let the glide path do the thinking for you. Even the aggressive age-based plan will not be at 100% equities for an 8 year old. Good luck!
by windaar
Mon Jun 08, 2020 7:18 am
Forum: Personal Consumer Issues
Topic: Looking at buying house with in-ground pool. What questions should we ask?
Replies: 62
Views: 3847

Re: Looking at buying house with in-ground pool. What questions should we ask?

Find out what having a pool does to your insurance rates as well.
by windaar
Sat Jun 06, 2020 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Girlfriend paying rent
Replies: 107
Views: 10617

Re: Girlfriend paying rent

I would not want a girlfriend as a tenant in my house. Depending on where you live she could invoke all kinds of rights if you break up, like refusing to leave and having her new boyfriend move in with her. How does that sound?
by windaar
Fri Jun 05, 2020 6:58 pm
Forum: Personal Consumer Issues
Topic: Buying a Bike - What Should I Choose?
Replies: 14
Views: 1505

Re: Buying a Bike - What Should I Choose?

We called a bike shop earlier this week around noon and they said that we were about their 200th phone call. All popular models were way out of stock. So be prepared for that.
by windaar
Fri Jun 05, 2020 6:51 pm
Forum: Investing - Theory, News & General
Topic: Markets back near all time highs - how are you feeling and path forward ?
Replies: 238
Views: 21106

Re: Markets back near all time highs - how are you feeling and path forward ?

At least following the philosophy of this particular financial board, the path is to stay the course. Not being a smart alek; that's what J.B. taught.
by windaar
Thu Jun 04, 2020 11:35 pm
Forum: Personal Consumer Issues
Topic: Small antenna to pull in local channels?
Replies: 31
Views: 1676

Re: Small antenna to pull in local channels?

Rabbit ear and small "digital" antennas didn't work for us. Putting up a good antenna in the attic has all stations slamming in hard.
by windaar
Mon Jun 01, 2020 5:31 pm
Forum: Investing - Theory, News & General
Topic: Perspective - Dow at same point one year ago today
Replies: 10
Views: 1756

Re: Perspective - Dow at same point one year ago today

I'm about 60 and last year adjusted allocations to 40/60 which is in line with my plan. Have lost no sleep during the turmoil.
by windaar
Mon Jun 01, 2020 3:32 pm
Forum: Investing - Theory, News & General
Topic: Perspective - Dow at same point one year ago today
Replies: 10
Views: 1756

Perspective - Dow at same point one year ago today

Dow Jones close June 1 2019: 25,474
Dow Jones close June 1 2020: 25,476
Stay the Course!
by windaar
Tue May 26, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: New TVs with built-in Roku
Replies: 51
Views: 2673

Re: New TVs with built-in Roku

I like that the Roku remote only has a few buttons on it. Keep it simple!
by windaar
Sun May 17, 2020 3:07 pm
Forum: Personal Investments
Topic: TIAA Real Estate Movement
Replies: 76
Views: 5461

Re: TIAA Real Estate Movement

You might not now, but if you switch out of TREA into Traditional in your old 3% IRA, the amount won't be added to your 3% Traditional existing account, it will be directed to a new IRA opended for the purpose at 1%. I was annoyed that existing balances weren't grandfathered for access to Tradition...
by windaar
Fri May 15, 2020 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Get cash from a large refund credit on my credit card?
Replies: 3
Views: 407

Get cash from a large refund credit on my credit card?

Yesterday we got a 5K credit from cancelled flights, credited to our Amex. Is there any way to get this back as cash?
by windaar
Thu May 14, 2020 12:07 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 798
Views: 44031

Re: What are you listening to now

Out of nowhere this past month I discovered the Osborne Brothers

https://www.youtube.com/watch?v=NhiOaSWuFjU
by windaar
Thu May 14, 2020 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Employer cut 403b contribution to zero
Replies: 86
Views: 6183

Re: Employer cut 403b contribution to zero

Trader Joe wrote:
Wed May 13, 2020 7:32 pm
As for myself, I would never accept this change.
I am in Academia and will fully accept this if happens to me. I'll accept a salary freeze as well. And I'd accept a pay cut. I love what I do and there are not a lot of options for unemployed Ph.D.s out there except I guess Taco Bell!
by windaar
Wed May 13, 2020 7:03 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9777

Re: Turning 30. Living 30s without regrets

hammond wrote:
Tue May 12, 2020 9:32 pm
I am currently heavily focussed on climbing the career ladder in my megacorp
I am 60. This is the singular thing that I have seen break up my friends' marriages and lead to misery, alcoholism, and even suicide.
by windaar
Mon May 11, 2020 8:26 pm
Forum: Personal Consumer Issues
Topic: Bird watchers – what birds are you seeing?
Replies: 557
Views: 20625

Re: Bird watchers – what birds are you seeing?

First Baltimore Orioles of my life yesterday. On a tip, I put orange halves onto a feeder pole and the Orioles magically appeared. (Midwest) And they have been here all day. I'll be spending a lot on oranges this summer! My kids love the beautiful orange birds!!
by windaar
Sat May 09, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: Where do you back up your important data?
Replies: 102
Views: 5397

Re: Where do you back up your important data?

I don't trust the cloud. Mine is on an external hard drive that is stored in our house and second one that us stored not in our house.
by windaar
Sat May 09, 2020 6:47 pm
Forum: Personal Investments
Topic: TIAA SRA vs. GSRA
Replies: 8
Views: 565

Re: TIAA SRA vs. GSRA

My plan has changed somewhat recently but in my older contracts in my SRA, a 401(a), TIAA Traditional was illiquid, coudn't be sold, and had to be taken out over 10 years, but has a higher interest rate. My TIAA Trad in my GSRA, a 403(b) was liquid without selling or withdrawal restrictions but paid...
by windaar
Thu May 07, 2020 6:56 pm
Forum: Investing - Theory, News & General
Topic: A bond rule of thumb better than "age in bonds"
Replies: 152
Views: 10715

Re: A bond rule of thumb better than "age in bonds"

"Age in Bonds" (or fixed) has worked great for me. It is a psychological control. Once I committed to it I had no temptation to fiddle with my investments when there were market events. As well it lines up with my risk tolerance; going into March with a 40/60 allocation meant that I lost no sleep wh...
by windaar
Thu May 07, 2020 4:04 pm
Forum: Personal Investments
Topic: AA Advice TIAA TREA Allocation
Replies: 3
Views: 272

AA Advice TIAA TREA Allocation

I am 60 with the following AA in my 401(a) and 403(b) at TIAA. TIAA Traditional 60% Equities: 30% TIAA TREA: 10% I am not responding to the market nor asking for predictions. I have the TREA for diversification. (TREA owns property, it is not a REIT.) But as a conservative investor, I have over the ...
by windaar
Tue May 05, 2020 6:29 pm
Forum: Personal Consumer Issues
Topic: Steel-framed Residential Entry Doors
Replies: 34
Views: 2423

Re: Steel-framed Residential Entry Doors

Making it impossible to break into your house is impossible. You can have a titanium door and they come in through a window. When I looked into this a while back I learned that what was needed was glass blocks for the basement windows, a good alarm system, and a Mossberg with buckshot.
by windaar
Mon May 04, 2020 7:27 pm
Forum: Personal Consumer Issues
Topic: Glue for lucite plastic to metal
Replies: 7
Views: 684

Re: Glue for lucite plastic to metal

Gorilla clear epoxy. Will last forever.
by windaar
Mon May 04, 2020 11:12 am
Forum: Investing - Theory, News & General
Topic: How to I invest in the self-driving car industry?
Replies: 64
Views: 3480

Re: How to I invest in the self-driving car industry?

I know someone who is working on this for a big-3 company. I asked him if there will ever be a true self-driving car - One that could drive me at night in a snowstorm to my sister's house which is on a dirt road in the country. He said with current technology absolutely not. But perhaps someday if t...
by windaar
Sun May 03, 2020 9:07 pm
Forum: Personal Consumer Issues
Topic: Window AC for bedrooms and living room, any recommendations?
Replies: 28
Views: 1424

Re: Window AC for bedrooms and living room, any recommendations?

I was in this situation before and it was enough to just do the bedrooms for sleep at night. Open windows and fans OK for the rest
of the house, depending on where you live.