Search found 241 matches

by TallBoy29er
Mon Jan 15, 2018 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella Policy - 1M or 2M
Replies: 25
Views: 1990

Re: Umbrella Policy - 1M or 2M

Premium may be high, but going from 1M to 2M seems like a no brainer (been there). You want the insurance company to have skin in the game. 2M makes me feel better about this.
by TallBoy29er
Mon Jan 15, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: What is the best home exercise equipment?
Replies: 95
Views: 7375

Re: What is the best home exercise equipment?

Love stairmasters. Have one myself, the Stairmaster PT4000, bought it used for $400. On my second one used in 3 years, the first died. We love it, and use it often. Warning: if you have knees that are a little on the finicky side (eg, they get sore), you may want to limit use to 2 to 3 times per wee...
by TallBoy29er
Thu Jan 11, 2018 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: Another Chemical Engineer salary history
Replies: 21
Views: 4517

Re: Another Chemical Engineer salary history

Graduated with a Chem E degree. First job was $39 k/yr, in a moderately LCOL area. Bonus? What's that? 401k? We had one, but never got a match. Pension? Hahahahaha. I transitioned out of the industry in early 2000's. I saw a looming plateau, and wanted to find a way out. Was it a good idea? Well, th...
by TallBoy29er
Thu Jan 11, 2018 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to "call in rich"?
Replies: 75
Views: 11886

Re: Is it time for me to "call in rich"?

Congrats, you have done amazing. I hope to be in your position some day.
by TallBoy29er
Thu Jan 11, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help me stop my addiction to stock market peeping!
Replies: 66
Views: 4317

Re: Help me stop my addiction to stock market peeping!

Put a couple rubber bands on your wrist, Every time you "peek". Pull the rubber bands and let them "snap" on your wrist to produce a stinging effect. It will aid you in "conditioning" your behavior :happy If this doesn't work by itself, add a shot of bourbon to each snap. By early afternoon, you wo...
by TallBoy29er
Thu Jan 11, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2404

Re: Keeping sensitive documents in the cloud -- bad idea?

I use google drive and encrypt my sensitive documents with Boxcryptor. My thinking is that even if they get my Google password it won't do them much good. I do the same as craigers. I'm in the process of moving all old tax docs to the cloud encrypted. Keeping an external drive, which can die, be da...
by TallBoy29er
Thu Jan 11, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Which Car To Keep
Replies: 25
Views: 1338

Re: Which Car To Keep

Hi y'all, Haven't been on in a while! Good year for us bogleheads! I have a non-finance question regarding what y'all think is a proper way to proceed with my family's vehicle situation. We will have 4 kids in a bit (new baby), so that is a family of 6 total. We recently bought a new van, to replac...
by TallBoy29er
Thu Jan 11, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4462

Re: A half year off at full pay or a full year off at half pay?

^^ There's always that one guy at the party.... :P
by TallBoy29er
Thu Jan 11, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4462

Re: A half year off at full pay or a full year off at half pay?

Oh geez. No brainer for me. Yes, you will lose 1 year of retirement savings. When I think of retirement savings, I am saving to do some traveling, and pursue other interests. You get to do that NOW, and still get paid. Holy crap. Take the full year off. Your eighty year old self will thank you for it.
by TallBoy29er
Thu Jan 11, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 284
Views: 32265

Re: Netflix, Your Current Favorite Show

La Casa de Papel.

Great 13 part series about an 11 day bank robbery. Created in Spain, but barely even notice the subtitles.
by TallBoy29er
Thu Dec 28, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Think Home might have Asbestos (what to do?)
Replies: 20
Views: 1122

Re: Think Home might have Asbestos (what to do?)

I agree state law probably will govern many of your questions. Particularly about notice. If the prior owners knew, it may be that they had a duty to disclose. I am curious why you now think it may be the case? Is it anecdotal evidence (all houses around here have asbestos ceiling tiles), or is it e...
by TallBoy29er
Fri Dec 01, 2017 9:08 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3780

Re: Should I keep the new iPad I bought or return it?

for that price, and the utility of the device...keep it!
by TallBoy29er
Fri Dec 01, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10804

Re: Price of haircut?

Use to pay $35+$7 tip.
Now I shave my head a few times per week. With blades/shaving cream, probably about $1 per week. :D
by TallBoy29er
Fri Dec 01, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 3809

Re: So i hit 6 figures... (questions about financials)

Toons wrote:
Wed Nov 29, 2017 12:06 pm
17k auto loan

Go into "Attack Mode" :mrgreen:
+1. Pay it off in your enviable current position. Then move. It will be great to have your own place.
by TallBoy29er
Mon Nov 27, 2017 9:16 pm
Forum: Personal Consumer Issues
Topic: overseas vacation questions
Replies: 22
Views: 1492

Re: overseas vacation questions

Didn't read all of the above. But check your credit cards, and if possible use one w/ a ntf for foreign travel.
by TallBoy29er
Mon Nov 27, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5303

Re: Inheriting a large sum, slightly intimidated.

Much good info has been said above. Thanks for what you do as a police officer. It is much appreciated.

Keep your head screwed on straight, and you'll do well. All the best -
by TallBoy29er
Thu Nov 09, 2017 10:07 pm
Forum: Personal Consumer Issues
Topic: what pickup truck
Replies: 65
Views: 5296

Re: what pickup truck

What pickup truck do you recommend and why? Are the new eco-boost 6 cyl. with twin turbos by Ford reliable? Whymcan't the Tundra 5.7 L get better gas mileage? Has Ford and Ram cured their electronic issues? Are GMC and Chevrolet pickups that bad to be poorly rated by Consumer Reports driver satisfa...
by TallBoy29er
Wed Oct 11, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Wifi Thermostat
Replies: 55
Views: 4247

Re: Wifi Thermostat

Also note that if you have a modulating furnace, odds are the wifi thermostat will downgrade it to a 2 stage. I'm not aware of any network-enabled thermostats that also work with fully modulating furnaces. My brand new Carrier includes a smart WiFi thermostat which supports 5 cooling stages, variab...
by TallBoy29er
Thu Aug 17, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3642

Re: Buy Google Pixel mobile now or wait for Pixel 2

I love the Pixel. That said, a major downside for me is lack of any water resistance. Phones are on us at all times, and weather changes. For me, that would be a reason to wait for the 2. Otherwise, the original is rock solid. Although Google does not state it, many reviews online show that the Pix...
by TallBoy29er
Thu Aug 17, 2017 7:32 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3642

Re: Buy Google Pixel mobile now or wait for Pixel 2

I love the Pixel. That said, a major downside for me is lack of any water resistance. Phones are on us at all times, and weather changes. For me, that would be a reason to wait for the 2. Otherwise, the original is rock solid. Although Google does not state it, many reviews online show that the Pix...
by TallBoy29er
Mon Aug 07, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Buy Google Pixel mobile now or wait for Pixel 2
Replies: 33
Views: 3642

Re: Buy Google Pixel mobile now or wait for Pixel 2

I love the Pixel. That said, a major downside for me is lack of any water resistance. Phones are on us at all times, and weather changes. For me, that would be a reason to wait for the 2. Otherwise, the original is rock solid.
by TallBoy29er
Fri Aug 04, 2017 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: multi-location restaurant owner needs advice
Replies: 9
Views: 916

Re: multi-location restaurant owner needs advice

You don't give enough information to really comment on what you should do, but I'll provide an alternate viewpoint than those above. It sounds like you have a solid business model in the hospitality industry. If you see this as a potential growth opportunity, and you want it to grow, I don't think t...
by TallBoy29er
Tue Jul 11, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Jewelry insurance. Is it ever worth it?
Replies: 42
Views: 5375

Re: Jewelry insurance. Is it ever worth it?

We canceled our rider for the one piece of jewelry we have worth anything. It felt like throwing money into a hole. If we lost the ring, oh well. Now, if it had cost high 5 figures, that may be a different story.
by TallBoy29er
Sat Jul 08, 2017 8:37 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1548

Re: Android phone, which one?

Love my Moto G4. Though it is a 5.5" screen, no issues using it one-handed. +1 $150 at Amazon. Works great. The Moto G5 Plus is out, for $185 at Amazon. Completely unlocked, works on GSM and CDMA (Verizon, ATT, TMobile, Sprint, etc). Also water resistant. We have one and like it. Fact is, it is med...
by TallBoy29er
Sat Jul 08, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 53
Views: 4988

Re: What to wear for job interview - skip the tie?

Better to dress up, and adjust down. You could always stash the tie in a pocket if it's apparent you shouldn't be wearing it.
by TallBoy29er
Sat Jul 08, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Shopping for first bike since I was a kid
Replies: 121
Views: 8170

Re: Shopping for first bike since I was a kid

What is wrong with $99 - $200 bikes at target , Walmart or Kmart? I've been buying those my whole life and no issues with them. Part of it is what Wricha said - you cannot work on a cheap bike, the components are low end and don't really allow it. There is a huge difference between a $150 Target bi...
by TallBoy29er
Fri Jul 07, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Anyone bought a Pixel?
Replies: 46
Views: 4939

Re: Anyone bought a Pixel?

The Pixel is a great device. The price tag hurt, but was worth it for a device used the majority of every day. It is lightning fast, relatively secure (gets updates upon release), great camera, no bloat ware, and unlocked (GSM and CDMA capable) when bought through Google. It was a worthwhile expense...
by TallBoy29er
Sat Jul 01, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about lending money to parents to make money - Good or bad idea?
Replies: 34
Views: 1684

Re: Thinking about lending money to parents to make money - Good or bad idea?

Derivative asked: Thinking about lending money to parents to make money - Good or bad idea? BAD IDEA. You are living with your parents? How much are you paying for rent? Maybe they should charge you 3x the going rate for rent. That would help them pay down the mortgage more quickly, and would preve...
by TallBoy29er
Mon Jun 19, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 5079

Re: Need to find Loaded Index Funds

Another way to DCA with a commissions is to have as few commissions as possible. One month buy VTI, next month DCA into cash. Next month buy VXUS with the cash and contributions. Next month cash. Next month buy BND. You could decide how many transactions you will do every year. AaronS - I would agr...
by TallBoy29er
Fri Jun 16, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: Happy Fathers Day - got me a used Weber grill!
Replies: 26
Views: 3307

Re: Happy Fathers Day - got me a used Weber grill!

Make sure to keep it clean. My E310 has been Pretty much junk. My parents have had Weber's for 10+ years but the quality has gone down hill. On my third set of flavorizers, second set of burners, second set of grill grates, and just had to buy a new propane line. It stays under a covered lanai, and...
by TallBoy29er
Fri Jun 16, 2017 4:59 pm
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 3431

Re: Need WIFI repeater or second router Advice

I have looked at this, and seems like all I would need is two, but they're only sold by Google as singles or in 3's. How did you purchase yours? Can you buy two singles and they will automatically connect, or do they need to be "out of the same box" to work together? You can purchase singles, or in...
by TallBoy29er
Fri Jun 16, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: help with IRS letter charging for taxes on 2015 backdoor roth
Replies: 29
Views: 3129

Re: help with IRS letter charging for taxes on 2015 backdoor roth

Possible that you reported the money you put into the Traditional IRA's as being deductible, as opposed to non-deductible?
by TallBoy29er
Fri Jun 16, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Who mixes android and iOS
Replies: 24
Views: 1653

Re: Who mixes android and iOS

Google Pixel user here, DW has an android phone, and we use a Mac and iPad Mini at home. Most of the services we use are agnostic to their OS environment. Those would be: Amazon Music, Netflix, Gmail and the rest of the GSuite (all of which work fine on any environment). I like it this way. My bigge...
by TallBoy29er
Wed Jun 14, 2017 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a 25% pay cut for more professional satisfaction?
Replies: 57
Views: 4728

Re: Would you take a 25% pay cut for more professional satisfaction?

all other variables staying constant (or better)....yep.
by TallBoy29er
Tue Jun 13, 2017 8:22 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 74
Views: 4909

Re: How many tech devices do you have?

did not read other posts subsequent to yours. "smart tv" should only be counted if you count tv in general as a "smart" device. read about smart tv's, and you find out that they are not very good at keeping up w/ shifts in tech, so I would not count them. that said, you look pretty average to me. cl...
by TallBoy29er
Mon Jun 12, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 5813

Re: Spouse returning to work. How to keep low stress lifestyle?

While your family is in good financial shape, what would happen if you -- as the sole breadwinner -- got run over by a bus tomorrow or developed a medical condition that prevented you from working? As your husband considers his next steps, you should be taking low probability but highly disruptive ...
by TallBoy29er
Mon Jun 12, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 5813

Re: Spouse returning to work. How to keep low stress lifestyle?

While your family is in good financial shape, what would happen if you -- as the sole breadwinner -- got run over by a bus tomorrow or developed a medical condition that prevented you from working? As your husband considers his next steps, you should be taking low probability but highly disruptive ...
by TallBoy29er
Mon Jun 12, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Have you canceled cable?
Replies: 90
Views: 7753

Re: Have you canceled cable?

Still have cable. Tied to cable provider for internet. Waiting and hoping for other options, eg Google Fiber.
by TallBoy29er
Mon Jun 12, 2017 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Spouse returning to work. How to keep low stress lifestyle?
Replies: 47
Views: 5813

Re: Spouse returning to work. How to keep low stress lifestyle?

You both have put yourselves in amazing financial, and life, positions. Congratulations. As a poster above said, maybe your DH can find something he really enjoys. My wife was a software developer for years, and is now a SAHM. She thinks about working at REI (outdoor store) once the kids age into gr...
by TallBoy29er
Mon Jun 12, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: Recommendations on Home Alarm Systems
Replies: 18
Views: 2230

Re: Recommendations on Home Alarm Systems

A dog is proven technology for home protection in many circumstances. Ha no its not.. http://www.homesecuritysystems.info/we-have-a-dog-do-we-need-a-home-security-system/ Hardly an unbiased website advocating for alarm systems over dogs. On the About Us page: We are happy that you have chosen the H...
by TallBoy29er
Sun Jun 11, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: uva/uvb clothing
Replies: 12
Views: 1238

Re: uva/uvb clothing

We are outdoors a good bit, with fair skinned DS and kids. UVA/B clothing has a place in our wardrobe. There are a few things in life that are worth paying for. Protective clothing for the kids is definitely one. (good shoes and good tools would be two others). What if you bought one, gave it a shot...
by TallBoy29er
Sun Jun 11, 2017 7:13 pm
Forum: Personal Finance (Not Investing)
Topic: Mvelopes for Budgeting - Who has tried it?
Replies: 0
Views: 473

Mvelopes for Budgeting - Who has tried it?

Hey all - Getting the DW bought into tracking budgets with thoughts of how we can make cuts, with mid term goal of FIRE. Her buy-in is critical. I've played with YNAB and Personal Capital. I've also made my own spreadsheet. That said, she found Mvelopes. I was curious what your experiences were with...
by TallBoy29er
Sat Jun 10, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Tell me a stock you like better than Google/Alphabet Right Now and Why
Replies: 101
Views: 10238

Re: Tell me a stock you like better than Google/Alphabet Right Now and Why

I realize this is an index board which is where I keep most of my money, but what individual stocks (not index funds or ETFs) do you like better than Google right now and what do you agree/disagree with from the below? I'm a simple man but the important and quick takeaways for me are 1. Dominant ma...
by TallBoy29er
Sat Jun 10, 2017 10:42 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 10316

Re: College admissions question - she got a "C"

brak wrote:Tall Boy - thanks for your comment. Actually we are not stressed out. I find that information is the antidote to stress. I am just intent on trying to keep it low stress. Thanks.
my misinterpretation. nicely done. :D
by TallBoy29er
Sat Jun 10, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: College admissions question - she got a "C"
Replies: 100
Views: 10316

Re: College admissions question - she got a "C"

Post by brak » Sat Jun 10, 2017 9:32 am We are trying to keep our household sane through all of this It sounds like this is causing your whole home a good deal of stress. I wonder how this worrying it is affecting your daughter's performance? My dad always told me to do my best, that was all I coul...
by TallBoy29er
Fri Jun 09, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Plan to move from complex brokerage acct to 3 fund portfolio, I'm stuck on a few details
Replies: 11
Views: 1455

Re: Plan to move from complex brokerage acct to 3 fund portfolio, I'm stuck on a few details

As aristotelian suggested, i would start by liquidating some of those fixed income and balanced funds (eg T Rowe Price Income, Templeton Income, Wellesley, etc.) out of taxable, as they are horribly tax inefficient. Perhaps the capital gains are relatively low, and hopefully could be offset by the f...
by TallBoy29er
Fri Jun 09, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Current 401k with Huge Fees, Anything I can do?
Replies: 20
Views: 1529

Re: Current 401k with Huge Fees, Anything I can do?

Here's an article in today's WSJ pertaining to this. At some point, administrators in companies need to have this on their radar, else they will be welcoming a lawsuit. https://www.wsj.com/articles/the-lawyer-on-a-quest-to-lower-your-401-k-fees-1497000607 Edited to add the clip below, from the Wall ...
by TallBoy29er
Fri Jun 09, 2017 7:14 am
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 9041

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

Who needs those 3? I rode the tech wave with shares of Exodus Communications back in 1999. :beer
by TallBoy29er
Wed Jun 07, 2017 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anti virus protection
Replies: 35
Views: 4079

Re: Anti virus protection

hirlaw wrote:Avast for Mac.
Same. Rated well. Free. Doesn't bog down the machine.

Side note, a/v by itself is becoming more and more inadequate. Many companies that run a/v still get popped. Phishing attacks are persistent.