Search found 3721 matches

by Ged
Mon Jun 24, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 156
Views: 11481

Re: what was your worst major purchase? mine is a 2019 mazda3

1980-ish Datsun 810. First model with fuel injection.
by Ged
Fri Jun 21, 2019 9:36 am
Forum: Investing - Theory, News & General
Topic: The problem in retirement we rarely discuss [what to do with stock funds]
Replies: 58
Views: 5622

Re: The problem in retirement we rarely discuss [what to do with stock funds]

But still...they are holding a portfolio which may not be ideal. Holding a ginormous portfolio with huge deferred taxes sounds ideal to me. I would just whittle at it a bit at a time to stay in a reasonable tax bracket. Gift some of it ahead of time if it makes sense. Set up a donor advised fund us...
by Ged
Thu Jun 20, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 160
Views: 23874

Re: Don't pay full price for SiriusXM radio

I cant believe people still listen to sirius radio. Podcasts are free, you actually learn stuff, and it makes whatever drive or commute you have much more enjoyable. We have xm because my wife wants to push a button and have music, not deal with cell phone Bluetooth etc. Rip your CD collection to a...
by Ged
Wed Jun 19, 2019 8:16 am
Forum: Personal Consumer Issues
Topic: Don't pay full price for SiriusXM radio
Replies: 160
Views: 23874

Re: Don't pay full price for SiriusXM radio

I switched to listening to audiobooks and declined to renew my subscription.

It was a overly long phone call but if you do it on a day that your stress level is low it does work.
by Ged
Tue Jun 18, 2019 12:16 pm
Forum: Investing - Theory, News & General
Topic: How safe are pensions in the U.S.?
Replies: 86
Views: 8466

Re: How safe are pensions in the U.S.?

Another consideration is that there is no guarantee that a company will keep its pension plan until you are ready to retire. Lots of healthy companies are doing this and switching to a company contribution to the 401k plan which doesn't require an employee contribution (i.e., separate from company ...
by Ged
Sun Jun 16, 2019 10:58 pm
Forum: Personal Consumer Issues
Topic: My Bad Experience With Angie's List
Replies: 36
Views: 4120

Re: My Bad Experience With Angie's List

Best bet is word of mouth. This is what I have found as well. If you have one tradesman you are happy with ask him about other people he has worked with or for. I found my electrician through a furnace installation. My bathroom remodel was done by somebody recommended by the electrician. My bathroo...
by Ged
Thu Jun 13, 2019 11:14 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10849

Re: Retired at 35 and have no friends :(

Catchy sounding, and wouldn't it be neat if it were true? There's no opting out, unfortunately. I'm personally a fan of the book "48 Laws of Power", and virtually every law is dependent on what other's think. And one of the laws arguably cautions against this viewpoint: "Law 18: Do not build fortre...
by Ged
Thu Jun 13, 2019 8:12 am
Forum: Personal Consumer Issues
Topic: Texas resident buying car in Alabama
Replies: 3
Views: 395

Re: Texas resident buying car in Alabama

Self storage units may offer spaces for a car.

Be sure to get insurance.
by Ged
Thu Jun 13, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10849

Re: Retired at 35 and have no friends :(

lostdog wrote:
Thu Jun 13, 2019 7:24 am
It doesn't matter what other people think. Once you master this, you'll be set free.
Best comment in the history of the internet.

Beats even 'if you're not paying for the product, you are the product' by blue_beetle on Metafilter at 1:41 PM on August 26, 2010.
by Ged
Thu Jun 13, 2019 7:30 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2581

Re: Recommendations for "Backup" software

10-25 GB per day is however easily feasible. Data rates are in the 5 min per GB or less range for many services. The upload speed of my own internet connection is the limiting factor, not the max speed of the backup service. My upload connection averages around 5-6Mbps, which would take almost nine...
by Ged
Wed Jun 12, 2019 2:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2581

Re: Recommendations for "Backup" software

I'm not a fan of local backups. What happens if there should be a break in, flood or fire in your home? Offsite storage or the cloud is far more secure. If you generate any significant data, such as recording TV shows or editing video, cloud backups would take far too long (I easily generate 10-25G...
by Ged
Wed Jun 12, 2019 1:32 pm
Forum: Personal Consumer Issues
Topic: Toyota Sienna tire replacement at 12k miles
Replies: 72
Views: 3904

Re: Toyota Sienna tire replacement at 12k miles

Not sure, but short life may be true of run-flats in general. On my cars (not Toyotas), the run-flat tires definitely wear much faster and need air added more regularly than regular tires. Not a fan. The last time I purchased a car I was considering BMW. Ultimately I decided against it because of t...
by Ged
Wed Jun 12, 2019 7:58 am
Forum: Personal Consumer Issues
Topic: Cost of mini split installation? [Ductless Air Conditioning/ Heat]
Replies: 36
Views: 2992

Re: Cost of mini split installation?

Mitsubishi is generally considered the best quality manufacturer of these systems. While wind-free sounds nice I would also get a quotation from a reputable Mitsubishi dealer in your area.
by Ged
Sat Jun 08, 2019 2:46 pm
Forum: Personal Consumer Issues
Topic: Is it possible to custom build a laptop?
Replies: 26
Views: 1956

Re: Is it possible to custom build a laptop?

Yes, exactly. I had considered getting a newer Thinkpad, but the Thinkpads they had on display (I tested four different ones) all had terrible keyboards. The keys don't travel as far, don't have good tactile resistance; it's like sliding over water. Interesting that you are considering a W530. That...
by Ged
Wed Jun 05, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Company requiring salaried employees to clock in?
Replies: 92
Views: 4779

Re: Company requiring salaried employees to clock in?

I require my salaried employees to clock in so that theyre not late. They get warnings when theyre late. If by "salaried" you mean "exempt", then I believe you may (depending on all the details) be in violation of aspects of labor law. Doesn't "exempt" mean exempt from labor laws? No. It means you ...
by Ged
Wed Jun 05, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: Recommendations for "Backup" software
Replies: 40
Views: 2581

Re: Recommendations for "Backup" software

I'm not a fan of local backups. What happens if there should be a break in, flood or fire in your home? Offsite storage or the cloud is far more secure. I use Arq for backups, and keep an account going at both Google and Amazon (belt and suspenders) as well as a local backup. Arq provides the imagin...
by Ged
Tue Jun 04, 2019 9:44 pm
Forum: Personal Consumer Issues
Topic: Are we downsizing too much?
Replies: 63
Views: 4700

Re: Are we downsizing too much?

I'm in a 2400 sq ft home. Had two kids. Really when the kids move out the only space unused is their bedrooms. I don't see much upkeep difference with 2 unused bedrooms, and they are handy for occasional sleepover visitors. We would save a bit downsizing, but really not enough to make a material dif...
by Ged
Tue Jun 04, 2019 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Should All Grandkids Be Treated as Equal Members of Same Class?
Replies: 104
Views: 8037

Re: Should All Grandkids Be Treated as Equal Members of Same Class?

At present it appears I will not have grandchildren. However in the case my children pre-decease my wife and myself we are giving half to each of our families regardless of how many grand nieces and grand nephews there are. It's somewhat complicated by the fact that my family lives in the United Sta...
by Ged
Mon Jun 03, 2019 12:05 pm
Forum: Personal Consumer Issues
Topic: Solar - when replacing roof?
Replies: 45
Views: 2999

Re: Solar - when replacing roof?

The answer varies based on location, location and location. Presence of trees, orientation of house, climate, tax treatment, local property values in the future, unknowable technology futures, and electrical cost futures. There are also a lot of scams out there so if you decide to do it be careful. ...
by Ged
Sun Jun 02, 2019 1:52 pm
Forum: Personal Investments
Topic: Just Got a Call From Fidelity
Replies: 55
Views: 7668

Re: Just Got a Call From Fidelity

I've had accounts at Fidelity since 1979 when my first employer set up a retirement account for me their. I find their customer service excellent. However once in a while I get a call from an 'adviser' looking to manage my money which I DO NOT recommend. I've learned that if you are unsure about thi...
by Ged
Fri May 31, 2019 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Fun paid jobs after FIRE
Replies: 171
Views: 14947

Re: Fun paid jobs after FIRE

My retired wife volunteers at a local food bank. Since she is fluent in multiple languages her contribution there is highly esteemed.
by Ged
Thu May 30, 2019 1:00 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5461

Re: Jim Cramer

mikemikemike wrote:
Thu May 30, 2019 5:30 am
What am I missing here?
A reason to listen to this person.
by Ged
Mon May 27, 2019 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE in 6-7 years vs 20+ years
Replies: 44
Views: 4884

Re: FIRE in 6-7 years vs 20+ years

I think you do not have enough data yet to make an irrevocable decision.
by Ged
Fri May 24, 2019 12:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard issues 10-year forecast for stock, bond market returns
Replies: 79
Views: 8472

Re: Vanguard issues 10-year forecast for stock, bond market returns

U.S. equity returns: 4% – 6% U.S. aggregate bond returns: 2.5% – 4.5% International equities returns: 7.5% – 9.5% International bond returns (hedged): 2% – 4% Vanguard also said it sees no imminent recession threat, and said the U.S. economy is currently in the mid- to late-stages of the business c...
by Ged
Thu May 23, 2019 5:32 pm
Forum: Personal Consumer Issues
Topic: Replacing wood windows - a little lost
Replies: 18
Views: 1315

Re: Replacing wood windows - a little lost

Couldn't you just have the original wood windows repaired? Something in me cringes at the idea of replacing a wood window with vinyl. Vinyl windows do not last as long as wood. However they are more energy efficient, lower maintenance and cost about half as much to replace. Unless you have specific...
by Ged
Thu May 23, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8633

Re: Anyone else looking forward to Game of Thrones?

astrohip wrote:
Wed May 22, 2019 8:47 am
Ged wrote:
Wed May 22, 2019 8:26 am
Actually GRRM has said that his ending will be different.
Different journey, same destination.
The ending is the concluding narrative, in your terms the journey. The end is the destination. You are trying to make a distinction where there is none.
by Ged
Wed May 22, 2019 8:26 am
Forum: Personal Consumer Issues
Topic: Anyone else looking forward to Game of Thrones?
Replies: 90
Views: 8633

Re: Anyone else looking forward to Game of Thrones?

I thought it was pretty good. I think a lot of that (the ratings) is people piling on. Remember they had to follow GRRM's story, so the ending was HIS ending. And admittedly, it was tough to make palatable, he created a monster of a story line. Far too convoluted. Nonetheless, I enjoyed it. Actuall...
by Ged
Sun May 19, 2019 8:10 pm
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8878

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Yes, Amazon's third party sellers have to be approached with trepidation. Many are shipping product from China to you. Some list counterfeit products under the genuine manufacturer listi...
by Ged
Thu May 16, 2019 9:14 am
Forum: Investing - Theory, News & General
Topic: Amazon....we all have seen this before :)
Replies: 62
Views: 8878

Re: Amazon....we all have seen this before :)

Amazon has a major problem on their hands with counterfeit products and poor quality control on their inventory. Yes, Amazon's third party sellers have to be approached with trepidation. Many are shipping product from China to you. Some list counterfeit products under the genuine manufacturer listi...
by Ged
Sun May 12, 2019 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Move out or stay at my parents?
Replies: 70
Views: 4828

Re: Move out or stay at my parents?

28 is getting up there to still be living with your parents. I think doing it any longer would be bad for your personal development as an adult.
by Ged
Sat May 11, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6323

Re: Continue working for benefit of adult children or retiring earlier?

I think the idea of extended families living together is much more natural and over history has been the dominant pattern of life. Since we're sharing I thinks, you're probably right. It may be rooted somewhere in the distant past in the idea of the elder generations taking care of the grandkids wh...
by Ged
Sat May 11, 2019 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Continue working for benefit of adult children or retiring earlier?
Replies: 87
Views: 6323

Re: Continue working for benefit of adult children or retiring earlier?

Many of my friends, cousins, and neighbors are still to some extent financially dependent on their parents - including several who are married with kids living with their parents and not financially helping at all Anyone else beginning to think this whole thing may be going a tad too far? Not that ...
by Ged
Thu May 09, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: Replacement Window shopping advice
Replies: 20
Views: 1482

Re: Replacement Window shopping advice

One thing to watch out for is the financial condition of the window manufacturer. Warranties are no good if the issuer of the warranty goes BK. I had that happen to me. I did a set of replacement windows about 10 years ago. During the Great Recession the window manufacturer went belly-up. I've had t...
by Ged
Wed May 08, 2019 1:55 pm
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 10948

Re: Imperfect market timing still works -- if you stick with it

Do any of these analyses include effects of taxation?
by Ged
Wed May 08, 2019 10:34 am
Forum: Investing - Theory, News & General
Topic: Imperfect market timing still works -- if you stick with it
Replies: 149
Views: 10948

Re: Imperfect market timing still works -- if you stick with it

DrGoogle2017 wrote:
Wed May 08, 2019 10:07 am
I’m not sure if this is correct, but Carter Worth said buy and hold from Jan 2018 till yesterday was about 3%. It’s like 3 year CD.
Suppose I pick Jan 1 2012 to yesterday. I get 224%. Not including dividends.
by Ged
Wed May 01, 2019 8:21 am
Forum: Investing - Theory, News & General
Topic: "The market is overvalued"
Replies: 90
Views: 7776

Re: "The market is overvalued"

Triple digit golfer wrote:
Tue Apr 30, 2019 4:25 pm
For those of you who have lived through several decades of investing, do you hear that the market is overvalued every time the market reaches new highs?
No I don't hear it.

I have learned to put my fingers in my ears and sing LALALALALALA during such times.
by Ged
Wed May 01, 2019 8:15 am
Forum: Personal Investments
Topic: Beginner investor seeks advice in record high stock market [2019]
Replies: 37
Views: 3347

Re: Beginner investor seeks advice in record high stock market [2019]

Yes the market may go down in the immediate future or it may not. However at age 27 you are not investing for the immediate future. You are investing for 40 years from now. If you were investing for something 5 years from now we would tell you to put the money in a CD or high interest bank account. ...
by Ged
Tue Apr 30, 2019 2:52 pm
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 49
Views: 12177

Re: Sitting on $1.5m cash - need help

Also, wife has ROTH 457b option - is that better in our case? Can't tell without knowing the details. If it is a private employer the plan may be subject to forfeiture if the employer goes bankrupt. These plans are not recommended because of this risk. If it is a public employer then it depends on ...
by Ged
Mon Apr 29, 2019 5:36 pm
Forum: Personal Investments
Topic: Biggest Investment Mistake
Replies: 200
Views: 15939

Re: Biggest Investment Mistake

Left money in employer's 401K for 10 years after leaving employer.

Read Random Walk Down Wall Street but did not act on it for several years.
by Ged
Mon Apr 29, 2019 12:50 pm
Forum: Personal Investments
Topic: Sitting on $1.5m cash - need help
Replies: 49
Views: 12177

Re: Sitting on $1.5m cash - need help

Also, wife has ROTH 457b option - is that better in our case? Can't tell without knowing the details. If it is a private employer the plan may be subject to forfeiture if the employer goes bankrupt. These plans are not recommended because of this risk. If it is a public employer then it depends on ...
by Ged
Thu Apr 25, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4220

Re: How to clean a garage?

Rent a dumpster. Put everything you haven't used in the past 5 years in the dumpster. Done. If you don’t want to put in dumpster, @round here you put it on the boulevard with a sign saying free. Even got a note back saying “Thanks neighbor!” We do that too. There is also a mailing list "Freecycle" ...
by Ged
Wed Apr 24, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Mobile Apps for Plant and Flower ID
Replies: 11
Views: 538

Re: Mobile Apps for Plant and Flower ID

It's easy to get lists of such apps by Googling it. Here's one.

https://theplantguide.net/2017/08/23/be ... tion-apps/
by Ged
Wed Apr 24, 2019 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Whats the Point of Climbing the Corporate Ladder?
Replies: 164
Views: 17057

Re: Whats the Point of Climbing the Corporate Ladder?

Whats the point of climbing the corporate ladder if I'm fine with my current salary and position and can hit all my financial goals without future promotions raises etc? Livesoft pointed out one of the dangers of this approach. Another is that you will max out your pay for the job you are doing, ma...
by Ged
Tue Apr 23, 2019 9:45 pm
Forum: Personal Consumer Issues
Topic: How to clean a garage?
Replies: 71
Views: 4220

Re: How to clean a garage?

Rent a dumpster. Put everything you haven't used in the past 5 years in the dumpster.

Done.
by Ged
Mon Apr 22, 2019 10:15 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5107

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

For a number of reasons, I am not interested in a mesh network. We have fieldstone throughout the house, so please don't recommend a WAP that has great range; I need 3 locations (at least) for my WAPs. My guess is that you have a lot of devices. Recently I replaced my old WAP with an Asus RT-AC5300...
by Ged
Sun Apr 21, 2019 5:18 pm
Forum: Personal Consumer Issues
Topic: River cruise, Avignon to Lyon, France
Replies: 36
Views: 2317

Re: River cruise, Avignon to Lyon, France

Norwegian Air has great rates to Paris. Also consider flying in to Paris and out of another European location. Just to be clear, I'm asking mostly about how to get from Paris to Avignon and from Lyon to Paris. I can figure out how to get to Paris from the states. I don't know about Avignon but I've...
by Ged
Sun Apr 21, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: Apple Air
Replies: 20
Views: 1499

Re: Apple Air

What is left in your wallet after purchase.
by Ged
Fri Apr 19, 2019 11:29 pm
Forum: Investing - Theory, News & General
Topic: Hedging against hyperinflation scenario
Replies: 47
Views: 3172

Re: Hedging against hyperinflation scenario

Guns are one of the best investments in periods of hyperinflation: (I) they are good for bartering, (ii) provide protection from people taking your assets, and (iii) provide a way to transfer assets into your possession via voluntary or involuntary surrender of those assets. YMMV depending on local...
by Ged
Fri Apr 19, 2019 5:06 pm
Forum: Personal Consumer Issues
Topic: Cape Cod to Colonial
Replies: 6
Views: 858

Re: Cape Cod to Colonial

My first house was a Cape Cod so I am familiar with that design. The problem is that in addition to not having enough bedrooms you are likely to have other deficits such as insufficient bathroom and storage space.