Search found 1360 matches

by jdb
Sun Jun 17, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Which Supermarket are you?
Replies: 72
Views: 2696

Re: Which Supermarket are you?

Costco for wine and staples. Local butcher shop for meats. Local seafood place for fish and shellfish. Whole Foods to refill my growler with fresh draft beer and pick up whatever foods my wife wants me, as her yard boy (love that concept) to purchase. Good luck.
by jdb
Thu Jun 14, 2018 11:08 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7078

Re: Tesla Autopilot, worth it?

Can we get a moderator to request cut down by Tesla shorts to troll the topic? Trolling is an art and some of you need to learn it so that you can do it with a finesse. Frankly, the way being done here is too obvious and irritating. Not too much joy in Tesla shortville this week. But agree that thi...
by jdb
Wed Jun 13, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13895

Re: Life in retirement - what did you do today?

I like this conversation, let's keep it going, and thanks everyone for your contribution. ~cfs~ Agree. As someone who has just fully retired this year find it fascinating to get a glimpse into 24 hours in life of other retirees, many of whom have more experience in this life passage than me. Thanks.
by jdb
Tue Jun 12, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943818

Re: What Book Are You Currently Reading? Part VI

AIQ by Nick Polson and James Scott. Latest book about artificial intelligence. The authors are professors who teach the mathematics and theories underlying AI and the book is essentially an adult education survey course in the mathematical theories and algorithms of AI together with history and appl...
by jdb
Mon Jun 11, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 174
Views: 13895

Re: Life in retirement - what did you do today?

Just fully retired. Wife still working. Drank coffee while reading NYT and WSJ. Told my wife will be getting T-shirt stating “We Are All Canadians”. Put bee suit on and checked my honeybee hives, looking good, probably honey harvest in few weeks. But it is hot in that bee suit. Took pickup truck and...
by jdb
Fri Jun 08, 2018 7:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943818

Re: What Book Are You Currently Reading? Part VI

Just finished two wonderful autobiographies, both depicting lives alien to mine. The first was Redefining Realness, My Path to Womanhood, by Janet Mock. I had never heard of the author until read a recent article in NYT which piqued my interest. A heartwarming true story of a young, multiracial, poo...
by jdb
Fri Jun 08, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

Your comments are interesting. That is what is known as accident reconstruction. This case may eventually be tried before judge and jury so we may be wasting our time here. Key point is when should driver have become aware that car was heading for barrier? Probably when it started to accelerate. An...
by jdb
Fri Jun 08, 2018 4:06 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

Don’t understand your small fraction of a second comment. There were a full six seconds that the drivers hands not detected on wheel, which implies he had at least six seconds to disengage autopilot and move car back to correct lane. No, it doesn't imply that at all. You are assuming that the car w...
by jdb
Fri Jun 08, 2018 2:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

jdb - at 70MPH you are going 34 yards per second - that's well over half the length of an olympic-size swimming pool. You are going to crash into the barrier in a small fraction of a second. Good luck. Don’t understand your small fraction of a second comment. There were a full six seconds that the ...
by jdb
Fri Jun 08, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

I am reading comments but not understanding. The Tesla autopilot is in beta mode as manual explicates. Eyes on road and hands on steering wheel at all times. That should not be so difficult for drivers to understand. All the so called autopilot crashes seemingly could have been easily avoided if dr...
by jdb
Fri Jun 08, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

I am reading comments but not understanding. The Tesla autopilot is in beta mode as manual explicates. Eyes on road and hands on steering wheel at all times. That should not be so difficult for drivers to understand. All the so called autopilot crashes seemingly could have been easily avoided if dri...
by jdb
Thu Jun 07, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7078

Re: Tesla Autopilot, worth it?

Can we get a moderator to request cut down by Tesla shorts to troll the topic? Trolling is an art and some of you need to learn it so that you can do it with a finesse. Frankly, the way being done here is too obvious and irritating. Not too much joy in Tesla shortville this week. But agree that thi...
by jdb
Wed Jun 06, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: RMD donations using checks
Replies: 26
Views: 1342

Re: RMD donations using checks

I may be missing something here. Why not just ask Vanguard to send you the QCD check payable to the 501(c)(3) charity and you mail or deliver to the charity. That way there is no issue as to qualification. Don’t understand what benefit there would be to change this simple process by sending direct c...
by jdb
Tue Jun 05, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Fitting three young kids in the car...
Replies: 76
Views: 4868

Re: Fitting three young kids in the car...

I think back to when I was a kid - seemed like everyone had 4+ kids and a sedan and still made it work. It helped when a lot of people didn't even put on seat belts. Fortunately, we've driven the automotive death rate down quite a bit by changing things. A 1957 Buick Roadmaster with newest gimmick,...
by jdb
Fri Jun 01, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 2845

Re: Any reasons to not put money down for a Tesla Model 3?

I'll probably also prefer a stick shift over electric but would be nice to save on gas on for environmental reasons. Is there a stick shift aka manual option in any electric cars on the road? I am a novice asking this question. I think they have a single speed transmission. Tesla has a single speed...
by jdb
Thu May 31, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

To stay on topic. Is anyone ordering the AWD version? Interested in how it performs. Yes, staying on topic derferring one reservation for the AWD version. Got an email from Tesla other day saying they would be sending out invites for AWD configure based on reservation dates etc. I am not in a hurry...
by jdb
Sun May 27, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Reducing mosquitos by pool
Replies: 14
Views: 1449

Re: Reducing mosquitos by pool

Is it near summertime? Is this outside? My advice is to spend whatever monies you would spend on mosquito repellant on your favorite summer drink, I prefer cold craft beer or red wine, then sip and ignore the critters. A few skeeter bites may help your autoimmune system. Just my two cents. And whate...
by jdb
Sat May 26, 2018 6:46 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 39
Views: 3037

Re: What is your favorite reasonably priced Rum?

I’m going to update this important sipping rum thread cause feel like it and just learned something about rums. Turns out that lots of rum producers add sugar to the rums when bottling, called enhancing. Not a problem for the rums used in mixing cocktails like Bacardi, who cares if the rum a little ...
by jdb
Thu May 24, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943818

Re: What Book Are You Currently Reading? Part VI

Finished my annual re read of War and Peace, took two months but read slowly and enjoy more each year, though next year may take a sabbatical and re read Anna Karenina. Then picked up used copy of Moby Dick at Strand bookstore in Manhattan for $10, a prior owner had underlined passages and I of cour...
by jdb
Thu May 24, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

by far best and most fun and safest vehicles we have ever owned. How are you able to ascertain it's the safest? Is it based on active safety features, NHTSA crash ratings or have you unfortunately been in an accident with it? Fair questions. Can’t prove, just like can’t prove they are best and most...
by jdb
Thu May 24, 2018 7:46 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

The last post proves my point [edit: that post was deleted by our ever vigilant moderator]. I have been doing my own product research, thank you very much, have owned Model S for 6 years with over 60,000 miles and Model X for past two years, by far best and most fun and safest vehicles we have ever ...
by jdb
Thu May 24, 2018 7:13 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

Have not been reading this overly long thread, unfortunately too many posters without Model 3 reservations who apparently just like to vent their dislike of Tesla or Elon Musk. Have no interest in reading their posts, with all due respect there are plenty of places on internet for that but believe t...
by jdb
Tue May 22, 2018 6:39 pm
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 3153

Re: If RMD are large should you still defer into 401k

Not sure why anyone would object to large RMD. Sounds to me like a good situation. If don’t need the distribution or don’t want to pay any taxes on RMD do a QCD to local charity for the portion don’t need or don’t want to pay taxes on. That is what I plan to do in three months, and with an RMD appro...
by jdb
Tue May 22, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: If RMD are large should you still defer into 401k
Replies: 32
Views: 3153

Re: If RMD are large should you still defer into 401k

max 401k pre-ax to your next tax bracket if it is not 35%. If you are into higher tax bracket, then max pre-tax. If you projected RMD is too big, good news for you, you can retire earlier and using the gap years to do Roth conversion till you start to withdraw SS and pension. You can also do a one ...
by jdb
Thu May 17, 2018 10:10 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2682

Re: What would you do? takes 6 months to fix a Tesla Model S

:confused [OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, ... I'm trying to imagine owning a Tesla (or any car) and colliding in it "a few" times over 6 years. :shock: Me too. I have been driving for 65 years with only on...
by jdb
Thu May 17, 2018 7:07 am
Forum: Personal Consumer Issues
Topic: What would you do? takes 6 months to fix a Tesla Model S
Replies: 33
Views: 2682

Re: What would you do? takes 6 months to fix a Tesla Model S

[OT comment removed by moderator prudent] We have owned a Tesla Model S now going on 6 years and it has had a few collisions, been to the local Tesla authorized body shop in Florida each time. Never took more than a few weeks, less than my infamous Audi A8 which took months for the aluminum roof pa...
by jdb
Thu May 10, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7180

Re: Gold ball cracked my house window. Do I have any recourse?

When looking for a new house a couple years ago, there were some new homes in our price range on a golf course. I thought, oh, that would be great! Then, I researched it and found out folks play golf on those courses, hit golf balls that hit the houses, hit windows, hit people, walk by or in your y...
by jdb
Wed May 09, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: [Golf ball] cracked my house window. Do I have any recourse?
Replies: 68
Views: 7180

Re: Gold ball cracked my house window. Do I have any recourse?

Not legal advice. A golfer generally only responsible for damages when his or her golf ball goes where it is reasonably supposed to go and causes damage. Think of a golfer hitting to par 3 green while other golfers still on green and causing personal injury. But truly errant shots are considered par...
by jdb
Wed May 09, 2018 3:53 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 39
Views: 3037

Re: What is your favorite reasonably priced Rum?

Good to see these important old threads revived. Just bought a bottle of El Dorado 15 Reserve from Guyana (has anyone ever actually visited Guyana) for my monthly Costco hamburger/cigars/whisky/rum lunch fiesta with the guys tomorrow. That is good sipping rum, ranks right up with the Barbancout 15. ...
by jdb
Mon May 07, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs
Replies: 32
Views: 4565

Re: WSJ--Fidelity Employees Fired After Alleged Misuse of Reimbursement Programs

This may say something about the culture at that place. More importantly says something to me about general level of ethics and intelligence. Who is stupid enough to sacrifice employment for getting an undeserved $2K reimbursement. Apparently many worked in the brokerage unit. I have always had sus...
by jdb
Sat May 05, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: One space or two ...
Replies: 18
Views: 1496

Re: One space or two ...

vested1 wrote:
Sat May 05, 2018 6:26 pm
Andthentherearetheoddindividualswhorefusetouseany!
Veryfunny.
by jdb
Mon Apr 30, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: Avocado Timing
Replies: 40
Views: 3025

Re: Avocado Timing

My avocado trees are starting to fruit but will be a couple months before harvest. But have been spoiled with home grown, no longer buy the small Mexicans at grocery store. Suggest guacamole at Costco, good stuff and saves some work. Good luck.
by jdb
Sun Apr 29, 2018 4:47 pm
Forum: Personal Consumer Issues
Topic: My first week of cycling in Slovenia and Croatia
Replies: 16
Views: 2667

Re: My first week of cycling in Slovenia and Croatia

Great post. Made me want to take up bicycle touring. But I probably need an electric booster motor. Thanks.
by jdb
Fri Apr 27, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Ikea Quality
Replies: 37
Views: 2857

Re: Ikea Quality

At any rate don’t forget to buy the items I love at IKEA, Swedish meatballs and lingonberry jam and gravlax and smoked herring, worth a trip just for those. Good luck.
by jdb
Fri Apr 27, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to owning an TM3, and a big part of me still wants one e...
by jdb
Sun Apr 22, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 929

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Yes, use the Vanguard short term muni bond fund for all our cash equivalents, including EF. Have done so for a few years, keep our bank checking account which we use to pay most bills via online billpay with only enough to cover immediate expenses and when need additional funds do ACH transfers fro...
by jdb
Sun Apr 22, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone in high bracket using short or Ltd. term muni for EF?
Replies: 19
Views: 929

Re: Anyone in high bracket using short or Ltd. term muni for EF?

Yes, use the Vanguard short term muni bond fund for all our cash equivalents, including EF. Have done so for a few years, keep our bank checking account which we use to pay most bills via online billpay with only enough to cover immediate expenses and when need additional funds do ACH transfers from...
by jdb
Sat Apr 21, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7267

Re: Help me explain why pre-tax investing can help when retiring in same bracket

It’s possible that someone could get to the point late in life where RMD’s push them into a high marginal rate, but if someone has that level of assets, I’m just not that worried about their ability to pay taxes. You and me think that way but that is only because either we will not be affected or w...
by jdb
Fri Apr 20, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help me explain why pre-tax investing can help when retiring in same bracket
Replies: 83
Views: 7267

Re: Help me explain why pre-tax investing can help when retiring in same bracket

Interesting discussion. Then let me add note about QCDs in traditional taxable RMD withdrawals. Didn’t pay tax (actually deferred the tax) on the contributions. And will not be taxed on the withdrawal to extent qualify as QCD. In my opinion that is a good argument for the traditional IRA or 401(k) i...
by jdb
Thu Apr 19, 2018 7:27 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

I saw a Model 3 in the parking lot at the golf course this afternoon. Looked great. A bit bigger than I thought it would be. I was impressed. Very impressive from DanMahowny who is not a Tesla fan far as I can figure. I have never seen Model 3 in person. I think Dan should do a test drive and repor...
by jdb
Mon Apr 16, 2018 8:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3060
Views: 943818

Re: What Book Are You Currently Reading? Part VI

https://www.amazon.com/Fate-Rome-Climate-Disease-Princeton/dp/0691166838/ref=sr_1_1?ie=UTF8&qid=1521545261&sr=8-1&keywords=climate+change+roman+empire The Fate of Rome: Climate, Disease, and the End of an Empire (The Princeton History of the Ancient World) by Kyle Harper This is an amazing book. Ne...
by jdb
Mon Apr 16, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84235

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL i...
by jdb
Sun Apr 15, 2018 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Max % of tax exempt bonds in portfolio?
Replies: 10
Views: 878

Re: Max % of tax exempt bonds in portfolio?

We are in a tax rate above 30 percent, and 100 percent of our taxable fixed income allocation is in muni bonds, a combination of individual muni bond laddder and Vanguard Short term, Intermediate term and Long term muni bond funds in a 2:1:1 ratio. Works for us. Good luck.
by jdb
Thu Apr 12, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Men's Boxer briefs without brand/embossing
Replies: 10
Views: 1181

Re: Men's Boxer briefs without brand/embossing

OK, someone had to ask, might as well be me. Why do you care? No one has ever mentioned labels on my boxer briefs. Just curious.
by jdb
Thu Apr 12, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: 2-year AA Munis at Vanguard and Fidelity Today
Replies: 134
Views: 9425

Re: 2-year AA Munis at Vanguard and Fidelity Today

Great to see Larry commenting again. His bond buying advice on this forum and in his books were invaluable to me in building a muni bond ladder a few years ago. Good to see your comments.
by jdb
Mon Apr 09, 2018 7:06 pm
Forum: Personal Consumer Issues
Topic: Persian Rug Passed Down From Grandmother
Replies: 28
Views: 2270

Re: Persian Rug Passed Down From Grandmother

I am no Persian Rug expert though we have a bunch of very nice oriental rugs purchased in Turkey and India and China, which we probably overpaid for, all in high traffic areas of house. Persian rugs are generally designed for foot traffic, my advice is put it in high traffic area and enjoy it. Good ...
by jdb
Mon Apr 09, 2018 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Active Adult Retirement Communities
Replies: 36
Views: 3873

Re: Active Adult Retirement Communities

My parents have lived in Sun City Grand for about 15 years and I have visited many times. It is top notch and they are very happy there. If you understand the culture and community and want that lifestyle it is great. You have have to like the life style though. My wife doesn’t like it all. It kind...
by jdb
Mon Apr 09, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: Anyone tried a sunrise alarm clock?
Replies: 42
Views: 3367

Re: Anyone tried a sunrise alarm clock?

We have a natural sunrise alarm, large glass french doors fronting our second story bedroom balcony and facing due east toward the rising sun, with nothing between them and the horizon, and we have no window coverings. Almost impossible to sleep past early sunrise. Good luck.
by jdb
Mon Apr 09, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: New Lexus LS or Tesla Model S
Replies: 63
Views: 4551

Re: New Lexus LS or Tesla Model S

Love all criticisms os Tesla interior by those who do not own the vehicle. We have two, and have owned full panoply of luxury German, Japanese and American luxury cars and find the somewhat minimalist Tesla interiors very comfortable and more to our liking. But really no comparison in driving. Answe...
by jdb
Mon Apr 09, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 5256

Re: If you want an actively managed fund, which one would you use?

Wellesley in tax deferred. I have Vanguard Primecap in both taxable and tax deferred, add the maximum $25K to each account every year. Good luck.