Search found 1643 matches

by ClevrChico
Mon May 25, 2020 4:06 pm
Forum: Personal Consumer Issues
Topic: Pandemic buys that have improved quality of life?
Replies: 120
Views: 9183

Re: Pandemic buys that have improved quality of life?

A refurb Nintendo Wii from Gamestop for $60 whch included three hit games. It was in like new condition, and my elementary aged kids and I have had so much fun with it. It's been great for morale! For $60, this has to be the boglehead video game value. :-) Disclaimer: I purchased it in December so i...
by ClevrChico
Sat May 16, 2020 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5331

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Go for it. You can always sell it when you're ready.

It's cheaper than an airplane, right? 🙂
by ClevrChico
Sat May 16, 2020 4:55 pm
Forum: Personal Consumer Issues
Topic: What to do with canned chicken?
Replies: 45
Views: 3313

Re: What to do with canned chicken?

Heat it up in a skillet and use it in tacos. Delicious!
by ClevrChico
Sat May 16, 2020 7:58 am
Forum: Personal Consumer Issues
Topic: Alternatives to Craftsman Tools
Replies: 98
Views: 6239

Re: Alternatives to Craftsman Tools

I buy German made tools online for quality tools. The brands I've tried are all great quality.

For tools I'm not particular about, Harbor Freight is surprisingly decent and cheap.
by ClevrChico
Sat May 16, 2020 7:53 am
Forum: Personal Finance (Not Investing)
Topic: [any downside to telling your parents your income?]
Replies: 32
Views: 2459

Re: [any downside to telling your parents your income?]

The downside is that people don't understand the time (possibly years/decades) and work that goes into a high salary. They just see the rewards and consider it easy money. Some retired people have a hard time relating what our daily grind is like. I'll spare the details I've experienced, but it's be...
by ClevrChico
Thu May 14, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Turning 30. Living 30s without regrets
Replies: 87
Views: 9427

Re: Turning 30. Living 30s without regrets

Enjoy spending time with your kids when they're young. It's cliche, but they grow up too fast. Their cuteness will be replaced by sass as they get older. :-) My goal was to always spend at least an hour every weekday evening doing something fun with them. Working with kids leads to easy weight gain,...
by ClevrChico
Wed May 13, 2020 4:20 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 234
Views: 10764

Re: Dentist charges $10 for PPE

I'd only visit the dentist if it was an emergency until the virus is gone. I'd probably pay the surcharge as I'd be in too much pain to care, and then never go back. The market here is over saturated with dental clinics.
by ClevrChico
Sun May 10, 2020 8:32 am
Forum: Personal Consumer Issues
Topic: Is it worth buying an infant car seat for each car.
Replies: 71
Views: 3144

Re: Is it worth buying an infant car seat for each car.

It's totally worth it. Nothing gets me in a worse mood then having to move carseats! And you don't have to overspend on car seats to get a good one. For kid #1 we bought the expensive model. For kid #2, the highly rated value brand. Everyone likes the cheaper car seats better. (Lesson learned.)
by ClevrChico
Sat May 09, 2020 7:33 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13057

Re: Will "work from home" destroy the commercial real estate market?

It likely won't be destroyed, but it will certainly change. Transportation will also change with reduced commutes for a lot of us. (My car may practically last forever.) Childcare needs will be reduced too. I can just pick up the kids from school instead of paying for after school programs. If I spe...
by ClevrChico
Fri May 08, 2020 9:24 am
Forum: Non-US Investing
Topic: Forecast new COVID wave in Autumn and dollar cost averaging
Replies: 11
Views: 1606

Re: Forecast new COVID wave in Autumn and dollar cost averaging

Create an IPS and stick to it. Stop market timing and watching prices. :-)

https://www.bogleheads.org/wiki/Investm ... _statement

My state hasn't peaked yet from the first wave! There is no good news yet. Nobody knows nothing.
by ClevrChico
Wed May 06, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: Should you tip landscapers?
Replies: 51
Views: 3225

Re: Should you tip landscapers?

It's definitely not customary. I have received an iced tea, but never a tip when I mowed lawns. Someone asked me the other day if they should tip their plumber. Independent master plumbers here charge $200+/hour for some projects. :shock: I said no. Save the tips for wait staff and bartenders.
by ClevrChico
Tue May 05, 2020 10:12 am
Forum: Personal Investments
Topic: Anyone use Acretrader?
Replies: 6
Views: 472

Re: Anyone use Acretrader?

It's easier to just buy VTSAX. While it may not own farmland directly, it will invest in ag companies.

I know of someone in the medical field that invested directly in farmland at its peak. I cringed when I heard about it, and I'm not sure if they ever made back their investment.
by ClevrChico
Thu Apr 30, 2020 1:16 pm
Forum: Personal Consumer Issues
Topic: Clogged Drain Tile?
Replies: 11
Views: 993

Re: Clogged Drain Tile?

A pump running once every three minutes isn't much at all. I've had mine run for an hour constantly in a storm without stopping. :shock:
by ClevrChico
Thu Apr 30, 2020 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Quitting a job after two weeks: relocation expenses
Replies: 196
Views: 17340

Re: Quitting a job after two weeks: relocation expenses

Personally, I would change my schedule to something sane and try to make the best of it. The worst case scenario is getting terminated which is financially a best case for your current situation. Things might improve too.
by ClevrChico
Sat Apr 25, 2020 10:07 am
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 29
Views: 1445

Re: DIY Auto Detailing Products

As far as wash, I've had amazing results with Tide on my daily driver. It's readily available and inexpensive. Laundry detergent will work to wash an auto's finish, but will also remove any previously applied wax finish. Yeah, well, if one has a typical Boglehead Honda/Toyota that they will drive i...
by ClevrChico
Sat Apr 25, 2020 8:23 am
Forum: Personal Consumer Issues
Topic: DIY Auto Detailing Products
Replies: 29
Views: 1445

Re: DIY Auto Detailing Products

As far as wash, I've had amazing results with Tide on my daily driver. It's readily available and inexpensive.
by ClevrChico
Fri Apr 24, 2020 8:23 pm
Forum: Personal Investments
Topic: Poor Publix employee seeking 401k investment advice
Replies: 169
Views: 11169

Re: Poor Publix employee seeking 401k investment advice

I would be very leery of going with company stock. I've seen that work out very badly, once at a grocery chain. (As in, everyone lost their retirement.)
by ClevrChico
Fri Apr 24, 2020 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Best Covid19 resistant job
Replies: 154
Views: 9612

Re: Best Covid19 resistant job

Tech work in general is very secure now. Doubly so if one works for an essential megacorp.

Companies are still recruiting and hiring remote workers. You would need talent and motivation to take online classes for the next 6 - 12 months and manage to get a job offer from it.
by ClevrChico
Tue Apr 21, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5761

Re: Exit Interview

Use the exit interview to make sure you have everything you need to rollover your 401k and any other housekeeping. Beyond that, say nothing. They're not paying you as a management consultant, so don't act like one.
by ClevrChico
Sun Apr 19, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: Space X satellites in the sky
Replies: 16
Views: 1575

Re: Space X satellites in the sky

My understanding is that Starlink will rise to a higher orbit in the near future and won't be (as?) visible. Enjoy it while you can. :-)
by ClevrChico
Sat Apr 18, 2020 9:26 am
Forum: Personal Consumer Issues
Topic: How are you exercising with gym closures
Replies: 111
Views: 5808

Re: How are you exercising with gym closures

I'm still riding my old Craigslist purchased bicycle.
by ClevrChico
Sat Apr 18, 2020 9:24 am
Forum: Personal Consumer Issues
Topic: Frugal quarantine habits to keep
Replies: 87
Views: 8233

Re: Frugal quarantine habits to keep

There's a good chance I'll transition to permanently working from home, which will save a bundle on after school care. They kids are pretty happy about it too.

I've rediscovered cooking and found some awesome recipes. I doubt I'll ever eat out as much again.
by ClevrChico
Sat Apr 18, 2020 9:21 am
Forum: Personal Consumer Issues
Topic: Should I buy a new rice cooker from Zojirushi?
Replies: 75
Views: 5682

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

Rice cookers do an amazing job and definitely are worth it.

If you already have an Instapot and want one less kitchen gadget, they do a great job too. (But they do require a manual release of steam, which isn't as convenient if you're cooking on a time delay.)
by ClevrChico
Fri Apr 17, 2020 11:26 am
Forum: Investing - Theory, News & General
Topic: The Value of Balanced Index During Volatility
Replies: 8
Views: 694

Re: The Value of Balanced Index During Volatility

There is some prior discussion on the forum regarding any benefits of near-daily re-balancing. If I remember correctly, it may have an advantage during flat, but volatile markets. Also remember a balanced fund will re-balance on the way up just as much as on the way down. Long term, the re-balancing...
by ClevrChico
Fri Apr 17, 2020 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA and Coronavirus
Replies: 15
Views: 540

Re: Dependent Care FSA and Coronavirus

If not used, funds will be forfeited. (If I read the rules correctly, it looks like a company could possibly return the funds to employees at their discretion?) My understanding is that forfeited funds go back to the organization. Something seems intrinsically unfair about that if some allowance is...
by ClevrChico
Fri Apr 17, 2020 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA and Coronavirus
Replies: 15
Views: 540

Re: Dependent Care FSA and Coronavirus

What if you have had money deducted but will now (likely) have no opportunity to use the funds? My plan is to use the funds for summer camps that the local museums offer. (If they're open.) If not used, funds will be forfeited. (If I read the rules correctly, it looks like a company could possibly ...
by ClevrChico
Thu Apr 16, 2020 4:43 pm
Forum: Personal Investments
Topic: Still using total bond market?
Replies: 140
Views: 16545

Re: Still using total bond market?

Yes, all of my bond portfolio is total bond. I'm staying the course and keeping it simple.
by ClevrChico
Sun Apr 12, 2020 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: What makes a real estate agent good?
Replies: 30
Views: 2494

Re: What makes a real estate agent good?

Be honest and offer low-cost is my recommendation. :-).
by ClevrChico
Fri Apr 10, 2020 12:51 pm
Forum: Personal Consumer Issues
Topic: Sump pump recommendations
Replies: 26
Views: 1644

Re: Sump pump recommendations

Liberty makes a great pump, and I believe it is far better than Zoeller.

The weak points of a Zoeller are the flat gaskets and switches.

Liberty uses o-rings and has a magnetic switch. Much, much more reliable!
by ClevrChico
Tue Apr 07, 2020 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent FSA contributions during Covid19?
Replies: 15
Views: 937

Re: Dependent FSA contributions during Covid19?

And if you're not planning on resuming childcare, but have money in a dependent care FSA to burn, I believe day camps qualify.

The museums in my city have many unique day camp options throughout the summer for kids. (Of course, dependent on the pandemic situation.)
by ClevrChico
Tue Apr 07, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent FSA contributions during Covid19?
Replies: 15
Views: 937

Re: Dependent FSA contributions during Covid19?

I paused mine, thanks to Rainier's earlier post. My company allows us to restart it too.

(The forum is such a great resource!)

The earlier post for those interested:
viewtopic.php?f=2&t=310631
by ClevrChico
Sun Apr 05, 2020 12:12 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50649

Re: How Is Your Job Being Impacted By The Current Crisis?

Already working in IT from home before the crisis, so unaffected in the short term. Expecting long term impact to the IT job market across the board as consumers lose their jobs and there's less demand for.. pretty much everything causing corporations to do less IT spend. Hang in there. Depends on ...
by ClevrChico
Sat Apr 04, 2020 5:13 pm
Forum: Personal Consumer Issues
Topic: is a $1000+ herman miller office chair worth the investment?
Replies: 37
Views: 2767

Re: is a $1000+ herman miller office chair worth the investment?

I'm sitting on an Aeron in my home office now. It's exceptional and worth it.

I think they go for a lot less on the used market. I've seen some deals.

Note: They come in different sizes, so make sure you order the correct size if you pull the trigger.
by ClevrChico
Sat Apr 04, 2020 5:10 pm
Forum: Investing - Theory, News & General
Topic: Business Cycle: At least one recession every 10 years
Replies: 56
Views: 2707

Re: Business Cycle: At least one recession every 10 years

I agree 100%! Proper asset allocation and an emergency fund are essential. I don't see this trend stopping. This has been the reality of my working life. - 2000/2001 - .com crash and 9/11 - 2008 - Global financial crisis - 2020 - Pandemic All have brought temporary financial haircuts and various deg...
by ClevrChico
Fri Apr 03, 2020 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - 2020 Benefits Trapped
Replies: 9
Views: 619

Re: Dependent Care FSA - 2020 Benefits Trapped

Thanks for posting this. I'm in the same boat and awaiting HR's response. I should have done so sooner!
by ClevrChico
Thu Apr 02, 2020 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Are your personal expenses down during stay home and shelter?
Replies: 167
Views: 9238

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

Down: - After school childcare is closed, saving $500/month. The downside is I'll have about $4k left in a dependent care FSA. Summer camp looks like it will be closed. There's a chance fsa funds will be forfeited. :annoyed - Gas is around $0. I may never have to buy gas again! :-) - Eating out has ...
by ClevrChico
Mon Mar 30, 2020 4:52 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4656

Re: Tipping in new reality?

Here's a summary of instacart delivery fees I'm aware of: ~10% markup on grocery prices - 5% service fee - 5% base tip - $3.99 delivery fee That is a LOT of markup and plenty to compensate a delivery person. That's $64 in fees on a $300 grocery order. It's up to Instacart and the shoppers to divide...
by ClevrChico
Mon Mar 30, 2020 4:36 pm
Forum: Personal Consumer Issues
Topic: Tipping in new reality?
Replies: 80
Views: 4656

Re: Tipping in new reality?

Here's a summary of instacart delivery fees I'm aware of: ~10% markup on grocery prices - 5% service fee - 5% base tip - $3.99 delivery fee That is a LOT of markup and plenty to compensate a delivery person. That's $64 in fees on a $300 grocery order. It's up to Instacart and the shoppers to divide ...
by ClevrChico
Mon Mar 30, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Is the coronavirus stay-at-home experience a preview of retirement life?
Replies: 61
Views: 4187

Re: Is the coronavirus stay-at-home experience a preview of retirement life?

This is more like a preview of house arrest with no visitors.

:-)

It's a good question, though!
by ClevrChico
Sun Mar 29, 2020 4:53 pm
Forum: Personal Consumer Issues
Topic: What will you do first, once COVID pandemic is over?
Replies: 271
Views: 17133

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

First, I'm going to visit my mom whom I can now only video chat with.

After that, a strong drink. And then indulge in some restaurants I've been missing.
by ClevrChico
Fri Mar 27, 2020 7:10 am
Forum: Personal Investments
Topic: The Coming Baby Boom?
Replies: 48
Views: 2026

Re: The Coming Baby Boom?

Or perhaps obesity boom, with people working in close proximity to their fridges. I do see MANY more people out for walks now, so maybe that won't happen.
by ClevrChico
Wed Mar 25, 2020 9:09 am
Forum: Personal Consumer Issues
Topic: Are you still going to the grocery store or using a delivery service? Which?
Replies: 279
Views: 21010

Re: Are you still going to the grocery store or using a delivery service? Which?

We're not going to the grocery, as we're trying to reduce risk as much as we can. We're working from home now, school is closed, so why introduce another risk? The curbside pickup groceries are booked solid here. It's almost impossible to reserve a slot. We've had great luck with Instacart delivery ...
by ClevrChico
Sun Mar 22, 2020 8:56 am
Forum: Investing - Theory, News & General
Topic: Should I have seen this coming?
Replies: 107
Views: 7384

Re: Should I have seen this coming?

No, you shouldn't have. By definition, most mortals can't predict a black swan, can they? We saw this impacting family and friends in China before it was big news. It worried me enough to give me insomnia for the first time in my life. I still didn't sell when I had a chance. It would have meant a l...
by ClevrChico
Tue Mar 17, 2020 6:58 pm
Forum: US Chapters
Topic: How Is Your Job Being Impacted By The Current Crisis?
Replies: 505
Views: 50649

Re: How Is Your Job Being Impacted By The Current Crisis?

My spouse and I are probably both considered tech workers and it's now mandatory we work from home. I've setup two office spaces in the basement. There is currently a lot of job security. I could see bonuses being low, but that's the least of my concerns right now. So far, I feel my productivity has...
by ClevrChico
Tue Mar 17, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Treasury extends [tax payment date 90 days, filing deadline still April 15]
Replies: 80
Views: 2914

Re: Treasury extends tax filing by 60 days

I filed and paid early. If I fell ill, I wouldn't want to burden my spouse to file taxes.
by ClevrChico
Mon Mar 16, 2020 9:38 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11281

Re: $19 Trillion in Corporate Debt At Risk of Default

Well, I'm in Total Bond and I guess I'm sticking with it. I feel that making a change now is performance chasing and market timing. Same. I expect some losses, but I'll be staying the course, sticking with total bond, and following my IPS. I weathered the GFC, and I will weather this. Remember the ...
by ClevrChico
Mon Mar 16, 2020 9:32 am
Forum: Investing - Theory, News & General
Topic: $19 Trillion in Corporate Debt At Risk of Default
Replies: 167
Views: 11281

Re: $19 Trillion in Corporate Debt At Risk of Default

Well, I'm in Total Bond and I guess I'm sticking with it. I feel that making a change now is performance chasing and market timing. Same. I expect losses, but I'll be staying the course, sticking with total bond, and following my IPS. I weathered the GFC, and I will weather this. Remember the daily...
by ClevrChico
Sun Mar 08, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Bogle on International - Do politics, cultures, and demographics inform your int'l allocation?
Replies: 178
Views: 5994

Re: Bogle on International - Do politics, cultures, and demographics inform your int'l allocation?

The top ten holdings of VTIAX made my decision to own international: 1 Alibaba Group Holding Ltd. 2 Nestle SA 3 Tencent Holdings Ltd. 4 Samsung Electronics Co. Ltd. 5 Taiwan Semiconductor Manufacturing Co. Ltd. 6 Roche Holding AG 7 Royal Dutch Shell plc 8 Novartis AG 9 Toyota Motor Corp. 10 Unilever...