Search found 581 matches

by timmy
Thu Feb 22, 2018 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Balance in Marriage and Student Loans
Replies: 26
Views: 1771

Re: Balance in Marriage and Student Loans

I'm old school. Once you get married, what yours is his and his is yours. There might be exceptions like a family business or gambling addict.

If you don't trust each other enough to mix funds, hold off on the marriage. Fix the trust issue first.

One person's POV. Good luck.
by timmy
Sun Feb 18, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Re: Do you have a Japanese bath in your house?

Yes, much more efficient.
by timmy
Sun Feb 18, 2018 4:12 pm
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Re: Do you have a Japanese bath in your house?

Yes, much more efficient.
by timmy
Sun Feb 11, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Re: Do you have a Japanese bath in your house?

Soaking tubs seem to be very nice, use less water, drain quickly, fill up to your chin, but you are in a sitting position rather than laying flat like a bathtub. http://walkinbathtubsfl.com/wp-content/uploads/2015/09/Walk-In-Tub-Outward-Opening-Door-St-Croix-RH6.png I like the idea. The door is coo...
by timmy
Sat Feb 10, 2018 7:50 pm
Forum: Investing - Theory, News & General
Topic: Andew Tobias on Meb Faber Podcast
Replies: 6
Views: 818

Re: Andew Tobias on Meb Faber Podcast

Yes. Mr. Tobias has been pushing (his preferred) politics hard in recent years. In this case, it's only the last 5 minutes that he goes on about politics.Other than that, a very interesting listen ...
by timmy
Sat Feb 10, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

These days are all about filling out apps for merit aid (scholarships). The two big ones were for ND and U of IL. If selected (for 2nd round), both will require interviews. He's also applied for several $1000 to $5000 scholarships. Most applications take 1 to 4 (if essays required), so well worth th...
by timmy
Sat Feb 10, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Re: Do you have a Japanese bath in your house?

And there is quite a gap from a Japanese bath in a home (aka a certain type of bathtub) and a public bath or an Onsen, which is an experience in itself. Around us the more common installation that might be in a home or cabin would be a sauna followed by a dunk through the ice in a lake. The mix of ...
by timmy
Sat Feb 10, 2018 10:12 am
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Re: Do you have a Japanese bath in your house?

We were inspired by the idea of a deep bath for soaking after a shower. So that is what we did about 3 years ago in a bathroom remodel. Replaced a big whirlpool bath and small shower stall with a big tiled area. Shower at the same end, but a much smaller but deep tub that holds much less water than...
by timmy
Sat Feb 10, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: Andew Tobias on Meb Faber Podcast
Replies: 6
Views: 818

Andew Tobias on Meb Faber Podcast

http://mebfaber.com/2018/02/07/episode- ... er-change/

For those of you who listen to Podcasts, this is a good episode. Mr. Tobias is always interesting - and entertaining in this one.
by timmy
Fri Feb 09, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: Folding bicycles
Replies: 29
Views: 1871

Re: Folding bicycles

The guy from this website uses and writes about his folding bike.

https://www.cheapathlete.com/five-bike- ... ls-part-1/

It you hit him on Twitter, he'll answer questions.
by timmy
Wed Feb 07, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3516

Re: Jogging in the cold.

Upper Midwest USA

I find it tolerable to 10-F.

Ice is a real risk, also addressed above. I run in a large Church parking lot. It's well lit, well salted, and typically empty when I run. Each "lap" is 0.5 miles.
by timmy
Sun Feb 04, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Do you have a Japanese bath in your house?
Replies: 27
Views: 3921

Do you have a Japanese bath in your house?

Do you have a Japanese bath in your house? Do you use it? Can you please offer your thoughts and comments on the experience?

I've enjoyed them on my trips to Japan. I've been thinking about installing one in my basement.
by timmy
Sat Feb 03, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 3434

Re: Do you live on a budget?

We've mostly followed "pay yourself first".
by timmy
Mon Jan 29, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3934

Re: what do/did you do with your evenings with a Toddler in winters ?

Library. Ours had a very good kid's section. Barnes and Noble. Same. Costco and Home Depot. Park District. Again, we were lucky. There was something (indoor) to run around in, climb on. Go outside. Bundle up. At that age, bring extra gloves because at that age they seem to wick wet snow with their g...
by timmy
Sat Jan 27, 2018 11:20 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan
Replies: 8
Views: 357

Re: 529 plan

We spent our 529 plans a little bit each year. We did not wait to spend it all in the last year. I suppose you are thinking of changing the beneficiary of the 529 to your other children. Or do they have separate 529 plans? How many years have you made of the full Illinois state tax benefits? Many p...
by timmy
Sat Jan 27, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan
Replies: 8
Views: 357

Re: 529 plan

Gray wrote:
Sat Jan 27, 2018 10:55 am
You’ll be saving $50K in the next few months. I think you have enough to consult with a tax accountant on the benefits/risks of funding a 529 in this scenario.
Good call out! We'll be meeting for annual taxes early next month. Thank you
by timmy
Sat Jan 27, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan
Replies: 8
Views: 357

Re: 529 plan

I would not think so short-term because your student will not finish school in one year. I would suggest an overall plan for the next N years. I know from your other thread that you have other children, too. I didn't read this because I'm not from Illinois and I consider it your responsibility: htt...
by timmy
Sat Jan 27, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan
Replies: 8
Views: 357

Re: 529 plan

One year of school. So spent over 8 or 9 months. Edited above. Thank you

(With all due respect to those responding, I'd prefer not getting into a debate on whether one should be spending X or Y dollars on schools. Thank you.)
by timmy
Sat Jan 27, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan
Replies: 8
Views: 357

529 plan

Thanks in advance for your help ... 12th grader heading off to college in the Fall, call it August (8 months from now) We expect that between when he starts and the end of the school year (2 semesters), he'll need $50K for his first year of school The 50K will be spent evenly between August and the ...
by timmy
Mon Jan 22, 2018 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

happens to be more important at the time :twisted: Now it isn't :wink: So the second comment is premier until SuperBowl Sunday :annoyed Oh, don't count credits until you know the alternatives. Our's added nude drawings as a alternative classwork. Really :P. He needed an art elective for his primary...
by timmy
Sun Jan 21, 2018 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

Ah yes, thank you for the explanation. I believe Rose-Hulman and U of IL both offer full credit. If you take CALC AP, you don't have to take CALC in college ... and you don't have to replace it with another class. In short, it's one less class that you need to take overall. There might also be a sub...
by timmy
Sun Jan 21, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

JMO, graduating early: entering the FT workforce ahead of your age cohort offers no financial advantage either in money saved in education or in an additional year in the workforce for retirement purposes. Agree 100%. We believe, though, that DS got some benefit from graduating in 4 years with a co...
by timmy
Sun Jan 21, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

Not arguing for or against whether it's a good idea or bad idea ... On the math part, every year not spent in school saves 50K in tuition/ expenses. Assuming one (former student now working) earns 100K, and keeps 50K (25K for taxes and 25K for living expenses), isn't the spread 100k. In terms of who...
by timmy
Sun Jan 21, 2018 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

We grilled the mechanical engineer more. He took electives at his local community college... Sr. (HS) to Fr. (college) summer and Fr. to So. summer. He worked So. to Jr. year. I believe he got his degree at the end of the 3rd year. So it might be an exaggeration that he graduated in 2.5. They only p...
by timmy
Sun Jan 21, 2018 11:07 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 169
Views: 31624

Re: What's your U.S. : International ratio?

EQUITY 50/50, Ideal world we'd be 100% VT ETF. With our choices at work, we try to replicate it.

BONDS = All US GOV ... 5 to 7 year avg. duration
by timmy
Sun Jan 21, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

**U of IL (engineering) - For U of IL, he got into their Campus Honors Program. It looks attractive. It looks like with APs and some of the perks of the program that he could finish college in 2.5 years, or go longer and work more (co-ops, etc.), or hop right into a PHD program. Anyway, options ......
by timmy
Sun Jan 21, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Picking College and College Scholarships
Replies: 522
Views: 52774

Re: Picking College and College Scholarships

UPDATE Accepted, in contention for attending: **Notre Dame - Finance aid/ merit letter expected next month. **U of IL (engineering) - For U of IL, he got into their Campus Honors Program. It looks attractive. It looks like with APs and some of the perks of the program that he could finish college in...
by timmy
Sat Jan 20, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

ekid wrote:
Thu Jan 04, 2018 3:39 pm
Daniel Ellsberg "The Doomsday Machine"

Every thinking human ought to read it. If it's mentioned upthread, please draw my attention to it.
You remember Ellsberg; RAND Corp and consultant to Kennedy admin.
+1
by timmy
Sat Jan 20, 2018 9:47 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1865

Re: Learning Swimming @ 40+

Two more things I found it easier to perform the breast stroke first. I never had great form but I got to the point that I could do it all day (literally). Within 3 months, I performed it for 90 minutes with no breaks. Why? I think ... The breathing is easier and so is the sighting (seeing where you...
by timmy
Sat Jan 20, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1865

Re: Learning Swimming @ 40+

I tried at age 40. One thing I did was take the "Total Immersion" class, it was a 2 day program that really helped provide some class room theory + video recordings underwater. But in the end after making valiant attempts for ~2 years after, I never got much beyond one lap at a time and it never "c...
by timmy
Fri Jan 19, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1865

Re: Learning Swimming @ 40+

SrGrumpy wrote:
Fri Jan 19, 2018 5:11 pm
Go to the web site of your local city pool. They will offer adult classes. Swimming is the superior sport, and it rewards efficient and calm stroke technique. A lot of skilled swimmers came to the game late, so you never know how far this bold first step will take you.
+1
by timmy
Fri Jan 19, 2018 5:14 pm
Forum: Personal Consumer Issues
Topic: Learning Swimming @ 40+
Replies: 37
Views: 1865

Re: Learning Swimming @ 40+

Swim class If you have the means, private swim lessons Swim, 2x to 3x per week That's been my journey. I could always jump off a boat or diving board and get back to safety or stay afloat in the deep end of a pool. But I couldn't swim across a pool. I got serious in January 2017. In July 2017, I swa...
by timmy
Fri Jan 19, 2018 5:06 pm
Forum: Personal Consumer Issues
Topic: Short Commute or Nicer House?
Replies: 142
Views: 7696

Re: Short Commute or Nicer House?

Short commute
by timmy
Sat Jan 06, 2018 4:30 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

SeekingAPlan wrote:
Wed Dec 27, 2017 5:54 pm
Glass House: The 1% Economy and the Shattering of an All American Town by Brian Alexander.

Tells the story of Anchor Hocking & the workers in Lancaster, PA.
+1
by timmy
Fri Jan 05, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 4995

Re: State Farm vs Geico

State Farm forever, house, auto, life, umbrella. Shopped around a few years ago. Geico was a tad cheaper. Decided to pass. Why? Hassle factor. State Farm has been rock stars with any claims that we've had. Just recently, we totaled a car. With one call, the thing was being handled. We just received ...
by timmy
Thu Jan 04, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: HumbleDollar by Jonathan Clements
Replies: 3
Views: 659

Re: HumbleDollar by Jonathan Clements

Yankuba wrote:
Thu Jan 04, 2018 11:50 am
It's okay. It's pretty basic. Reformed Broker is good
True. Boglehead'ism is basic. Buy SPY. Hold. Buy more. Hold. :wink:
by timmy
Thu Jan 04, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: HumbleDollar by Jonathan Clements
Replies: 3
Views: 659

HumbleDollar by Jonathan Clements

Recent article: http://www.humbledollar.com/2017/12/timely-tale/ IMAGINE AN IDEALIZED CHART that summarizes our finances over the course of our lives. What would the chart look like? Picture these five lines: The website is awesome. It offers (maybe the best) guidance on just about everything money....
by timmy
Wed Jan 03, 2018 5:58 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 836

Re: 2016 Nissan Pathfinder S with 3rd row seat

We test drove several mid-size SUVs. We determined that all were too small for our needs. We decided to go back to the minivan. We settled on a used 2017 KIA Sedona with 18k miles. Paid on the low side of the KBB price range so we feel okay about the price. Hi All - Thanks for the input. We bought ...
by timmy
Wed Jan 03, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: 2016 Nissan Pathfinder S with 3rd row seat
Replies: 11
Views: 836

Re: 2016 Nissan Pathfinder S with 3rd row seat

We test drove several mid-size SUVs. We determined that all were too small for our needs. We decided to go back to the minivan.

We settled on a used 2017 KIA Sedona with 18k miles. Paid on the low side of the KBB price range so we feel okay about the price.
by timmy
Wed Jan 03, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

Almost all my reading since retirement has been fiction. My best friend bought me the new biography of Leonardo DaVinci by Isaacson. I am not an artsy guy but found this book to be unbelievably great although a much slower read than fiction that I tend to knock off at 2 books per week. I still have...
by timmy
Wed Jan 03, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

Good thread. I've picked up a couple for my list. First up for me: Complete the one I'm currently reading/ Jonathan Losos - Improbable Destinies: Fate, Chance, and the Future of Evolution Another that I was half way through before needing to return to library/ Nancy Isenberg - White Trash: The 400 ...
by timmy
Wed Jan 03, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1595

Re: Generosity

We tithe 10% off the top to our church, plus we give another $20k or so in other specific charitable giving. I also serve on 2 non-profit boards which average about 20 hours a month of my time. Then there are a bunch of random donations of both time and money throughout the year. I know that there ...
by timmy
Wed Jan 03, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1595

Re: Generosity

IMHO do not focus so much on how you give, but what you can give cheerfully and without seeking any recognition/recompose, other than the joy of giving. I am trying to get there. With my time, I enjoy the giving/ helping process. I just need to be more intentional: aligned with my strengths, values...
by timmy
Tue Jan 02, 2018 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1595

Re: Generosity

Silk McCue wrote:
Tue Jan 02, 2018 9:01 pm
Timmy. On my iPad the 2nd colored font is almost unreadable. I would suggest you edit the post and remove all colored fonts as they make reading difficult. A sparing use of bold can be effective if you have a specific need to highlight a section of text.
Fixed. Thanks for the heads up. :oops:
by timmy
Tue Jan 02, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: [How much should I give to charity?]
Replies: 17
Views: 1595

[How much should I give to charity?]

I am trying to make a decision about my own charitable giving. I am asking because I'd like your help deciding how much you should give. What is your philosophy or decision making framework on who/what/how much/when? Do you give more of your time or money? How much (hours per week or % of income) do...
by timmy
Tue Jan 02, 2018 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Embarrassment Preventing Retirement Work: A factor for you?
Replies: 133
Views: 13063

Re: Embarrassment Preventing Retirement Work: A factor for you?

This is 6 to 7 years ago. The Home Depot guy who sold us are cabinets was ~60 when we dealt with him. Through the conversation, we learned ... He lives 3 blocks from us. His house was 4500 sf, valued then/ now between 700k/900k. He retired in his early 50s, got bored so picked up this work. He also ...
by timmy
Mon Jan 01, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

I just picked up The Power of Silence by Cardinal Sarah. It is very powerful indeed; a real indictment against the constant barrage of noise we experience today everywhere, including our own inner agitations. Interesting... I'm not an architect but like George Constanza I like to pretend I'm one. A...
by timmy
Mon Jan 01, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are you generous? If so, why?
Replies: 7
Views: 1183

Are you generous? If so, why?

Do you consider yourself generous? If so, why? What is your philosophy or decision making framework on who/what/how much/when? Do you give more of your time or money? How much (hours per week or % of income) do you give? So as not to stifle the conversation, please refrain from commenting negatively...
by timmy
Mon Jan 01, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2018?
Replies: 132
Views: 8201

Re: What non fiction book will you be reading in 2018?

I've been making my way through the recommended books on the wiki, and just purchased Taleb's Fooled by Randomness . If you find that you like Taleb, the Black Swan is very good. So is Antifragile. Some can't take his writing, if so, Antifragile could be painful. To be clear, I find the the content...