Search found 682 matches

by Mingus
Mon May 13, 2019 2:05 pm
Forum: Personal Consumer Issues
Topic: Regulate Office Temperature
Replies: 31
Views: 2223

Re: Regulate Office Temperature

You don't really have a good option.

Either find a new job that is not in a sweat shop environment, or start drinking ice water.
by Mingus
Thu May 09, 2019 2:02 pm
Forum: Personal Investments
Topic: Hedge against the decline of the Realtor profession
Replies: 48
Views: 4136

Re: Hedge against the decline of the Realtor profession

The answer is cross training to be able to jump ship.

And the answer is to also be saving and investing enough money that eventually one day you'll have enough in savings that you do not have to wake up to earn a paycheck anymore.
by Mingus
Thu May 09, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Recycling Different Plastics
Replies: 63
Views: 3348

Re: Recycling Different Plastics

Majority of the plastic that is "recycled" is burned, buried, or ends up in the ocean off the coast of some SE Asian country. Washing and sorting plastic to be recycled is an exercise in feel goodism. From a common sense perspective, it would be better if we could locally incinerate used up plastic ...
by Mingus
Sun Apr 28, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9475

Re: EXTREMELY frugal things from our paernets and grandparents

The level of frugality is interesting, but some get paid more per hour to work at their job then to work at saving some dollars on making food etc. So every minute of time can have an ROI. Saving and spending are less important than ROI, and the value of your time in achieving other income. Yes, bu...
by Mingus
Sun Apr 28, 2019 4:24 pm
Forum: Personal Consumer Issues
Topic: Best electric cordless lawn mower for medium sized yard?
Replies: 40
Views: 2440

Re: Best electric cordless lawn mower for medium sized yard?

A manual reel mower for a quarter acre yard? That has to be a joke right?
by Mingus
Sun Apr 28, 2019 10:59 am
Forum: Personal Consumer Issues
Topic: Please stop saying your next car will be autonomous
Replies: 9
Views: 1023

Re: Please stop saying your next car will be autonomous

I think it would be really awesome to have a self driving motorhome.

Dial in your destination and then eat, drink, and be merry.
by Mingus
Sat Apr 27, 2019 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why do most people hate/dread learning about money and is there a good book for helping them?
Replies: 78
Views: 4980

Re: Why do most people hate/dread learning about money and is there a good book for helping them?

What if it is deeper than that?

Maybe some people are better at projecting into the future, while others are not.

With those who can foresee into the future being more likely to have an innate knack to save/invest. And those who cannot live more in the now and spend it all.
by Mingus
Sat Mar 30, 2019 10:54 am
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8879

Re: Tattoos and Bogleheads

The description of your sis's tattoos is indicative of someone with poor decision making skills and a lack of impulse control.

She seems to be the opposite of you because she doesn't 'stoptothink'
by Mingus
Fri Mar 29, 2019 4:33 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8879

Re: Tattoos and Bogleheads

Yes - I thought rejecting tattoos would be the in thing now - but the exact opposite. We shall see. It may take 20 or 30 years but eventually the rejection will happen. It could be right around the time young kids are old enough to recognize that the face and neck tattoos on grandma and grandpa loo...
by Mingus
Wed Mar 27, 2019 10:36 pm
Forum: Investing - Theory, News & General
Topic: Free dinner from an attorney
Replies: 32
Views: 3273

Re: Free dinner from an attorney

Why?

I'd rather spend the money on a nice steak house or make some steak at home than suffer through a con artist's sales presentation.
by Mingus
Wed Mar 27, 2019 10:29 pm
Forum: Personal Consumer Issues
Topic: Tattoos and Bogleheads
Replies: 180
Views: 8879

Re: Tattoos and Bogleheads

Tattoos are the equivalent of graffiti. There are relatively few exceptions to that.
by Mingus
Sun Feb 10, 2019 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Public Servant Announcement for Veterans
Replies: 0
Views: 285

Public Servant Announcement for Veterans

The Exchange Online is open for non-retirees.

And one of the benefits is it is sales tax exempt.

https://www.shopmyexchange.com

Took me less than 2 minutes to get verified as prior military.
by Mingus
Sat Feb 09, 2019 4:39 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1736

Re: Would you eat lab grown meat?

I could easily be wrong, but i believe their will be alternatives to meat in the future, and meat consumption will be a fraction of what it is today, if not be illegal to consume in some countries. This will take place because the alternatives will be comparable, cheaper, healthier, and environment...
by Mingus
Sat Jan 26, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: Another frugality/contentment post from Morgan Housel
Replies: 28
Views: 2499

Re: Another frugality/contentment post from Morgan Housel

The best years of my life were in early retirement. A watch is the most poorly conceived gift for a new retiree, but they are handed out by those who are still harnessed to the clock. I've never thought of that. There's a lot of irony in such a gift. I always thought the gift of the watch was, "Her...
by Mingus
Sat Jan 26, 2019 10:41 am
Forum: Investing - Theory, News & General
Topic: Another frugality/contentment post from Morgan Housel
Replies: 28
Views: 2499

Re: Another frugality/contentment post from Morgan Housel

I like what he says here: The hard part is becoming satisfied with spending less. It’s not easy. It’s a behavioral trait, not analytical skill, and investing attracts more of the latter. Some are better at it than others, but virtually everyone is primed to at least assume they’ll be happier if the...
by Mingus
Sat Jan 26, 2019 10:37 am
Forum: Investing - Theory, News & General
Topic: Another frugality/contentment post from Morgan Housel
Replies: 28
Views: 2499

Re: Another frugality/contentment post from Morgan Housel

The best years of my life were in early retirement. A watch is the most poorly conceived gift for a new retiree, but they are handed out by those who are still harnessed to the clock. I've never thought of that. There's a lot of irony in such a gift. I always thought the gift of the watch was, "Her...
by Mingus
Sat Jan 19, 2019 4:27 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 153
Views: 8411

Re: What is a Boglehead funeral/burial?

Burial at sea.
by Mingus
Wed Jan 16, 2019 10:14 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 218
Views: 17537

Re: Are You Dumping Netflix?

I cancelled Netflix a couple years ago after they started releasing some very questionable content, and a lot of it.

But I'll probably at some point resubscribe. Who knows when though.
by Mingus
Wed Jan 16, 2019 10:07 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3969

Re: Fun with Amazon

I used to shop a lot at Amazon, but not much anymore.

I've received too many counterfeit items over the past couple years that it's worth it to spend a few more dollars and buy elsewhere.
by Mingus
Sun Jan 13, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4565

Re: How do I stop jeans from ripping in the thighs?

My jeans usually only rip at the end of the inseam.
by Mingus
Sun Jan 13, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: Did you ever "win" big?
Replies: 133
Views: 10000

Re: Did you ever "win" big?

I bought Tesla stock at $33 a share about 20 years ago. Sold it at around $125. Wish I would have held it longer :oops: Tesla was founded in '03 and didn't go public until '10 with an offering price of $17 a share nonetheless... Regardless, congrats Clearly Chinchilla is posting from some point in ...
by Mingus
Fri Jan 11, 2019 9:03 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a 9mm handgun
Replies: 171
Views: 13194

Re: Recommendations for a 9mm handgun

corn18 wrote:
Tue Jan 08, 2019 11:33 am


My daughter chose an AR-15 with an EOTech. Very impractical, but she loves shooting it.
You raised her right.
by Mingus
Sat Jan 05, 2019 11:10 am
Forum: Personal Investments
Topic: I'm a male 77yrs old and I was wondering....[Should I change my portfolio?]
Replies: 3
Views: 679

Re: I'm a male 77yrs old and I was wondering.............

We get in trouble talking politics here.

People will want to know what your current portfolio is.
by Mingus
Sat Jan 05, 2019 10:49 am
Forum: Personal Consumer Issues
Topic: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV
Replies: 44
Views: 2775

Re: New marketing twist on Extended Warranties? Cost of replacing Sensors if you wreck your new SUV

So does this mean new high tech features are less reliable than the technology they replace? I can imagine the sales pitch from a few decades ago. "You need the extended warranty because this new-fangled electronic fuel injection and electronic ignition are probably less reliable than the tried-and...
by Mingus
Thu Jan 03, 2019 1:54 am
Forum: Personal Finance (Not Investing)
Topic: New job, sales at Subaru
Replies: 72
Views: 9755

Re: New job, sales at Subaru

jbmitt wrote:
Wed Dec 12, 2018 4:56 pm
I've often heard of salespeople complain because Subaru buyers are often rather savvy and may chose to be cash buyers and are knowledgable on pricing, interest rates, money factors on leases.
Almost every make of car I've looked at, the salesman has told me some variation of this line.
by Mingus
Wed Jan 02, 2019 11:45 pm
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6976

Re: Autistic sister being targeted by Nigerian scammers

Does your sister respond well to incentives? Is there anything your parents could offer her that would take the place — emotionally — of her attachment to the scammer? If she’s always wanted a cat, for example, could they agree to get her one if she cuts off contact with the scammers for 30 days? A...
by Mingus
Wed Jan 02, 2019 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6976

Re: Autistic sister being targeted by Nigerian scammers

Actually, the crude brute force entry is simply a first-pass filter to find the truly vulnerable as per the OPs situation. It is done to make sure the have solid prey.Once the prey has been identified, the process is very very sophisticated. In fact, the good one are getting very good with backgrou...
by Mingus
Wed Jan 02, 2019 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Autistic sister being targeted by Nigerian scammers
Replies: 84
Views: 6976

Re: Autistic sister being targeted by Nigerian scammers

There are some good channels on youtube that baits these nigerian scammers. And indian scammers as well. Perhaps your sister will notice similarities. And be able to recognize the situation she is in. https://www.youtube.com/channel/UCnNlJNSRxa3PF8XrKHOEPug/videos These Nigerian scammers are extreme...
by Mingus
Tue Jan 01, 2019 6:38 pm
Forum: Personal Consumer Issues
Topic: Home Heating Advice
Replies: 72
Views: 5857

Re: Home Heating Advice

You're in Ohio, and semi rural? I'll only comment on the need for a backup system no matter what you decide to use for a primary heat source. And that would be a coal stove that can also be used to cook on top of if need be. I'd also have several tons of that sweet anthracite coal delivered. And whe...
by Mingus
Tue Jan 01, 2019 6:22 pm
Forum: Personal Consumer Issues
Topic: Save expired passports?
Replies: 26
Views: 2232

Re: Save expired passports?

I keep all my expired forms of ID. The whole lot of them combined takes up minimal space. Someone in the future might remark on how super handsome their granddad was and know where their good looks came from.
by Mingus
Fri Dec 28, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: Buying dips not recommended?
Replies: 52
Views: 3986

Re: Buying dips not recommended?

dwickenh wrote:
Thu Dec 27, 2018 5:52 pm
adamthesmythe wrote:
Thu Dec 27, 2018 5:44 pm
Always buy just before the upturn.
and only buy the ones that are going up!
Both of these tips are really solid advice. I'd like to add that it's also very smart to sell right before the downturn.
by Mingus
Wed Dec 26, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3557

Re: Bookshelf speakers under $300

unclescrooge wrote:
Wed Dec 26, 2018 11:00 am
I recently purchased a vintage stereo amplifier, the Kenwood ka-3500, which is rated at 40 watts per channel.
I had to look this up. Looks pretty sweet. 1970s was such an amazing era for Japanese solid state components.
by Mingus
Wed Dec 26, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9640

Re: What common everyday inconvenience have you intentionally suffered for frugality?

You are on the wrong site to discuss frugality.... Folks around here are allergic to it (except in the one thread where people brag about the one frugal thing they did this year). :sharebeer This isn't frugality though. The examples given are the equivalent of not replacing dead batteries in the TV...
by Mingus
Wed Dec 26, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: What common everyday inconvenience have you intentionally suffered for frugality?
Replies: 152
Views: 9640

Re: What common everyday inconvenience have you intentionally suffered for frugality?

I can understand not replacing a battery and a lightbulb out of laziness. But disguising laziness as frugality in these examples is a little much.
by Mingus
Mon Dec 24, 2018 4:02 pm
Forum: Personal Investments
Topic: Anyone rebalancing?
Replies: 36
Views: 2370

Re: Anyone rebalancing?

I re-balanced two or three times during the runup. And was almost, but not quite to a re-balancing trigger before the downturn.

Currently only off target allocation by a few tenths of a percent.
by Mingus
Sun Dec 23, 2018 1:33 am
Forum: Investing - Theory, News & General
Topic: 3-Fund + Gold: Why not a good idea?
Replies: 42
Views: 2746

Re: 3-Fund + Gold: Why not a good idea?

First of all, I only hold a tiny portion of our net worth in precious metals of any kind. I do so as what David Stein of the Money for the Rest of Us podcast calls "an insurance policy against the unknown." If everything else went to heck, we'd still have what has been a valued commodity throughout...
by Mingus
Sat Dec 22, 2018 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Veteran Benefits ?
Replies: 11
Views: 1020

Re: Veteran Benefits ?

You probably want to dig up your DD-214, and make a visit to a Veteran's Service Organization. There are people working there that know exactly what your benefits are, and can get the paperwork started.
by Mingus
Sat Dec 22, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2675

Re: Expensive Colleges - Investment Worth It

Why does the opinion of a teenager have much weight on going to an expensive school? There is something wrong in this society and is creating a generation of entitled spoiled brats. As much as I wouldn't take the opinion from a 6 year old to feed him oreos and ice cream for dinner, I wouldn't rely ...
by Mingus
Sat Dec 22, 2018 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Expensive Colleges - Investment Worth It
Replies: 67
Views: 2675

Re: Expensive Colleges - Investment Worth It

Why does the opinion of a teenager have much weight on going to an expensive school? There is something wrong in this society and is creating a generation of entitled spoiled brats. As much as I wouldn't take the opinion from a 6 year old to feed him oreos and ice cream for dinner, I wouldn't rely o...
by Mingus
Tue Dec 18, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Buyer's Remorse on purchasing a Mercedes
Replies: 82
Views: 7027

Re: Buyer's Remorse on purchasing a Mercedes

Drive it for 6-8 months, or a year. Then sell/trade in on something reasonable.

Grow to hate it and feel the pain of this terrible decision so it embeds itself in your psyche so you know to never do this again.
by Mingus
Tue Dec 18, 2018 12:31 am
Forum: Investing - Theory, News & General
Topic: "Madness of Crowds" vs "Wisdom of Crowds"
Replies: 32
Views: 1943

Re: "Madness of Crowds" vs "Wisdom of Crowds"

Independence: People's opinions aren't determined by the opinions of those around them. What percentage of the population is this in society? Seems social "shaming", or even the potential of social shaming is what creates either the madness or wisdom of crowds. If Bill thinks Susie, Frank, Dan, Jos...
by Mingus
Tue Dec 18, 2018 12:14 am
Forum: Investing - Theory, News & General
Topic: So Cal Gas company advice
Replies: 4
Views: 445

Re: So Cal Gas company advice

One recommendation was to lower our thermostat to 58 at night. I find that recommendation foolish. How many customers are going to go that far? I did 59 a few years ago. Turned the thermostat down to 59 before bedtime and left that temp until getting home from work. It was okay except when getting ...
by Mingus
Mon Dec 17, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Kid schooling - not learning much academically. Looking for suggestions.
Replies: 117
Views: 6049

Re: Kid schooling - not learning much academically. Looking for suggestions.

opus360 wrote:
Mon Dec 17, 2018 11:28 pm


Bacchus01 - You're right. Private school population is pretty homogenous.

I don't think that's really a negative. Diverse schools largely have a lot of disciplinary problems, and test scores are pretty abysmal.
by Mingus
Mon Dec 17, 2018 11:43 pm
Forum: Personal Consumer Issues
Topic: Is Liquid Plumber / Draino bad for the pipes?
Replies: 51
Views: 6057

Re: Is Liquid Plumber / Draino bad for the pipes?

They do not damage the pipes.
by Mingus
Mon Dec 17, 2018 11:41 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 2015

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

No, I think it’s huge. But I’m wondering why the public allows all these other things to go and and act like you can’t be contaminated like some of the ways I mentioned. It's not huge. It's a hysteria. People who work with or around asbestos fibers day in day out over a long period of time have iss...
by Mingus
Sun Dec 16, 2018 5:47 pm
Forum: Personal Consumer Issues
Topic: Friend looking at land to build, but will probably have naturally occurring asbestos
Replies: 29
Views: 2015

Re: Friend looking at land to build, but will probably have naturally occurring asbestos

I used to have a house on the peninsula in the bay area, Redwood City hills specifically. When they were putting in sewers and digging there was a warning to avoid the dust due to the serpentine rock which is kind of pretty green rock but contains asbestos. Other than the sewer digging no-one seeme...
by Mingus
Thu Dec 13, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3960

Re: Who else is doing home automation?

I have Lutron Caseta dimmers and automatic blinds, Honeywell WiFi thermostats. Very happy with them, but that’s about as automated as I’m going right now. I have a roomba too, really like that little thing, and it’s WiFi connected as well. I have the lutron remote, which they don't make anymore. It...
by Mingus
Thu Dec 13, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 3960

Re: Who else is doing home automation?

Dottie57 wrote:
Thu Dec 13, 2018 4:45 pm
Mike Scott wrote:
Thu Dec 13, 2018 1:51 pm
Not me; it's a pretty expensive giggle, it's one more thing to break and need fixed and the security concerns are very real.
+1
+2
by Mingus
Sun Dec 09, 2018 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: are pre-fabricated / manufactured homes a bad investment?
Replies: 101
Views: 7841

Re: are pre-fabricated homes a bad investment?

Mobile homes are great. They cost, what $40-50K? And even if it depreciates to a value of Zero at the end of 30 years, it's a lot less expensive to buy a brand new one than building and maintaining a traditional stick built home over the long haul. I'd like to see more modular building components in...
by Mingus
Wed Dec 05, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Is this normal for an HOA?
Replies: 95
Views: 9032

Re: Is this normal for an HOA?

What a bunch of sissy complainers. Have “the stones” to ‘spend the time’ and actually get involved with the HOA. The board are neighbors not bureaucrats. Have the stones to step up, man. Normal people just want to live their life, not bother anyone, and not be bothered. Typically those who want to ...