Search found 581 matches

by malabargold
Sat Dec 21, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...
Replies: 53
Views: 3402

Re: Wife needs new Wine Fridge / Chiller: we don't buy wine expensive enough that it needs to be aged...

Whether or not a wine benefits from aging depends a lot on style, grape, region and the year it was grown. There are even some vintages of Bordeaux (Margaux, no less) reported not to improve much with cellaring - not to be confused with a wine fridge, which is more of a ready-to-serve container. Vas...
by malabargold
Sat Dec 07, 2019 4:45 pm
Forum: Personal Consumer Issues
Topic: Tree roots growing into sewer lines
Replies: 62
Views: 18896

Re: Tree roots growing into sewer lines

Few will want to buy your home down the road if
they find the problem was not definitively addressed
when it first arose.

Too easy to find these things on line now.

As is often the case, the most expensive option is the cheapest in the long run. (Usually get what you pay for)
by malabargold
Wed Dec 04, 2019 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: High income and college costs question
Replies: 317
Views: 14659

Re: High income and college costs question

There is a town in Indiana that provides tuition to all residents that graduate HS with certain conditions . I looked through the requirements and don't see any income restrictions. In some states, your children can qualify for admission to state schools by certain HS performance. Or go part time, ...
by malabargold
Mon Dec 02, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Ken Burns Country Music DVDs: Historic and Artistic Merit
Replies: 23
Views: 1632

Re: Ken Burns Country Music DVDs: Historic and Artistic Merit

Country music is a stew - now days most include old time/traditional/traditional-plus/Texas swing/bluegrass/folk/Americana, etc, in the broad genre. Watching live performances is the best way to gain an appreciation. Try “Merlefest” in Wilkesboro NC sometime - the annual Woodstock of Country Music h...
by malabargold
Wed Oct 23, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: How much for non-taxable gift?
Replies: 11
Views: 535

Re: How much for non-taxable gift?

Lifetime is 11.18m per spouse
But need to file
by malabargold
Tue Oct 22, 2019 8:41 pm
Forum: Personal Consumer Issues
Topic: Brisket Recipe
Replies: 19
Views: 2656

Re: Brisket Recipe

Try making pastrami next
by malabargold
Wed Oct 16, 2019 2:49 am
Forum: Personal Consumer Issues
Topic: Where to stay in Maui?
Replies: 24
Views: 2196

Re: Where to stay in Maui?

Four Seaons - one of their better properties
by malabargold
Tue Sep 24, 2019 7:09 pm
Forum: Personal Consumer Issues
Topic: Elite liberal art colleges or bigger selective universities?
Replies: 59
Views: 4943

Re: Elite liberal art colleges or bigger selective universities?

Top research universities, public and private, will generally have more opportunities to work with researchers as an undergraduate than many LAC can offer. Especially in medicine, because most LAC’s are not affiliated with a medical school. Encourage the student to major in something other than “pre...
by malabargold
Wed Sep 18, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for February
Replies: 48
Views: 4197

Re: Vacation ideas for February

Buenos Aires
by malabargold
Wed Sep 18, 2019 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Tax avoidance and estate planning ‘for the rich’?
Replies: 61
Views: 6956

Re: Tax avoidance and estate planning ‘for the rich’?

Pass as much on to younger generations as soon as possible
by malabargold
Sun Sep 01, 2019 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Selective Colleges
Replies: 339
Views: 20636

Re: Selective Colleges

Ivies don’t give merit or athletic scholarships
by malabargold
Mon Aug 19, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Hotel recommendation for Cambridge / Boston
Replies: 53
Views: 3129

Re: Hotel recommendation for Cambridge / Boston

We go to Cambridge frequently. The Irving House is a very nice B&B almost contiguous with Harvard Yard. -International clientele and big and varied breakfast with a wide variety of room choices (just up the block from Julia Child’s old house) -caveat: no A/C Hotel Veritas is close, but cramped and e...
by malabargold
Fri Jul 05, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 2483

Re: Buying a suit

Get a suit that is at minimum “ half-canvassed” That has to to with the material between inner and outer layers of the suit jacket, and how extensive that middle layer is. Half and full canvassed suits hang better and last longer. They can also withstand more dry cleanings. They are also more expens...
by malabargold
Thu Jul 04, 2019 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing my wife for financial life without me.
Replies: 95
Views: 12173

Re: Preparing my wife for financial life without me.

There is no substitute for hands on experience

She has to have the wheel for a few years.
by malabargold
Thu Jul 04, 2019 11:51 am
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6585

Re: How do you brace for impact?

Investor since the 1960’s My strategy: I’ve generally stayed 95-100% long stocks, because I have neither the skill nor luck to time the market, but know that stocks out-perform most invest classes in the long run. Each time a recession is in bloom (wilt?) we just don’t let it bother us and take sola...
by malabargold
Mon Jul 01, 2019 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Would we regret buying a 2nd home?
Replies: 90
Views: 9600

Re: Would we regret buying a 2nd home?

If the property is truly extraordinary, not just nice, you won’t regret.
by malabargold
Tue Jun 25, 2019 9:53 pm
Forum: Personal Consumer Issues
Topic: British Columbia summer vacation
Replies: 17
Views: 1470

Re: British Columbia summer vacation

Take a day to get a boat ride on the fjords around
Campbell River
by malabargold
Wed Jun 19, 2019 6:11 pm
Forum: Personal Investments
Topic: I dodged a bullet with VAW (Vanguard Materials ETF)
Replies: 16
Views: 1768

Re: I dodged a bullet with VAW (Vanguard Materials ETF)

I think a longer perspective is required for investing
Short term fluctuation are meaningless
by malabargold
Tue Jun 18, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: The ultimate Boglehead car [Purchase of storm-damaged car]
Replies: 19
Views: 3568

Re: The ultimate Boglehead car [Purchase of storm-damaged car]

Warren Buffet buys hail-damaged cars
So they’re probably good enough for us, too.
by malabargold
Wed Jun 12, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: 50 or 75 gallon water heater?
Replies: 67
Views: 5586

Re: 50 or 75 gallon water heater?

Twin 50 gal in series is the answer
Unlimited hot when you want it
Throttle back to one on when you don’t
by malabargold
Sat Jun 08, 2019 10:24 pm
Forum: Investing - Theory, News & General
Topic: What percentage of time does 100% stocks win?
Replies: 52
Views: 7240

Re: What percentage of time does 100% stocks win?

A lot of parsing by the hard core bond fans.
Answer
- almost always
by malabargold
Sat Jun 08, 2019 7:00 pm
Forum: Personal Consumer Issues
Topic: Lodging and restaurants in Boone, NC.
Replies: 21
Views: 1662

Re: Lodging and restaurants in Boone, NC.

Blowing Rock is a bit tourist trappy Stay at Mast Farm Inn in Valle Crucis Pastoral perfection Eats Over Yonder Coyote Kitchen Gamekeeper Melanie’s Breakfast Fantasy Red Onion Vidalia Mint -nice Indian buffet Our Daily Bread Stick Boy Boone Espresso News -coffee Appalachian Cookie Kilwins Ice cream ...
by malabargold
Thu May 09, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Indian cookbooks
Replies: 25
Views: 2789

Re: Indian cookbooks

Wow, can’t believe no one has mentioned
Classic Indian Cooking by Julie Sahni
by malabargold
Thu May 09, 2019 7:32 pm
Forum: Personal Consumer Issues
Topic: Income protection insurance?
Replies: 3
Views: 506

Re: Income protection insurance?

Typically cheaper if you can forestall claiming benefits
for 6-12 months
by malabargold
Thu May 09, 2019 1:55 pm
Forum: Personal Investments
Topic: 35 and 33 years old, 2 kids: Please advise on Asset Allocation/Tax Efficiency/Risk Minimization/Loan Repayment
Replies: 9
Views: 1708

Re: 35 and 33 years old, 2 kids: Please advise on Asset Allocation/Tax Efficiency/Risk Minimization/Loan Repayment

None of us has a crystal ball better than yours. Just simplify your holdings. The large ETF’s will likely revert to the mean as conditions wax and wane, and decades from now the difference in performance likely will not be great, and at least you won’t get stuck betting a bundle on the horse bringin...
by malabargold
Mon May 06, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 87
Views: 13434

Re: Rolex

Yes Rolex is very “grabby” in that way, from personal
experience,
by malabargold
Mon May 06, 2019 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 14101

Re: College Expenses

I’ve also seen the assumption written here many times that elite private schools aren’t worth it for science concentrators, and I resolutely disagree with that viewpoint. My kids learned and worked with the top scientists in their fields almost from day one, and when they worked in other labs or int...
by malabargold
Sat May 04, 2019 10:00 am
Forum: Personal Investments
Topic: Second home? Or 529s, MegaBackDoor IRA etc?
Replies: 12
Views: 1373

Re: Second home? Or 529s, MegaBackDoor IRA etc?

Exactly. Who knows what tomorrow will bring?

So why have so much debt:income and debt:net worth?
by malabargold
Sat May 04, 2019 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Thinking of home buying with all cash - need guidance
Replies: 19
Views: 2342

Re: Thinking of home buying with all cash - need guidance

2. Do I need an Agent? This is the first time I am buying a home. Can you folks share real life experience of going through an Agent versus buying direct. Trying to save some dollars here. As the buyer, you don't pay the agent. They'll split the commission with the seller's agent, but it comes out ...
by malabargold
Sat May 04, 2019 9:04 am
Forum: Personal Consumer Issues
Topic: College/life prep for young kids
Replies: 79
Views: 6985

Re: College/life prep for young kids

Don’t be helicopter parents - let them learn failure and how to pick themselves up. Give them a financial education - a few minutes every week - they won’t get one from public school Read to them and with them Lead by example read books yourself Read an article or 2 from a newspaper and discuss - br...
by malabargold
Tue Apr 30, 2019 5:38 pm
Forum: Personal Consumer Issues
Topic: Fun-ish Used Boglehead Car
Replies: 86
Views: 6551

Re: Fun-ish Used Boglehead Car

Honda Accord V6 coupe manual
by malabargold
Sun Apr 21, 2019 8:41 am
Forum: Personal Consumer Issues
Topic: Tips for getting the most out of your cruise?
Replies: 60
Views: 4709

Re: Tips for getting the most out of your cruise?

Cancel is my best tip - even the high end cruises pale in comparison a non-cruised based itinerary.
by malabargold
Sat Apr 20, 2019 6:41 pm
Forum: Personal Investments
Topic: Absolute Beginner Question
Replies: 11
Views: 1320

Re: Absolute Beginner Question

And if the market has a pullback sometime after you started, don’t loose faith; stick to your plan, even if it’s 100 % equities (like me for 45 years). It’s certain your advisor has no secret sauce. The main ingredient for success is low-cost broad-based index investing and sticking to it - it will ...
by malabargold
Sat Apr 13, 2019 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I semi-retire now?
Replies: 138
Views: 14069

Re: Can I semi-retire now?

I would not. My reasons (not necessarily yours): We’re 10 years into a bull market that is likely to retrace to an extent - sooner than later - and will be accompanied by a rise in inflation. Kids are much, much more expensive in older childhood. If I were in a position to give my kids potentially l...
by malabargold
Wed Apr 10, 2019 6:31 am
Forum: Personal Finance (Not Investing)
Topic: How do 40 year olds decide what they can afford?
Replies: 85
Views: 10467

Re: How do 40 year olds decide what they can afford?

You’ll probably find that stuff only brings momentary
happiness, and if you buy things too grandiose you become
the thing possessed.
Consider refocusing financial goals to assist others or causes
beyond yourself
by malabargold
Fri Apr 05, 2019 8:30 pm
Forum: Personal Consumer Issues
Topic: What are these droppings? How to get rid?
Replies: 15
Views: 1777

Re: What are these droppings? How to get rid?

Mothballs.
Tie a bag to a pole and leave it up there,
You’re welcome.
by malabargold
Sat Mar 23, 2019 5:03 pm
Forum: Personal Consumer Issues
Topic: Lease a car or buy a car
Replies: 49
Views: 3908

Re: Lease a car or buy a car

I don’t think the brand matters

Buy a 2-3 year old car to avoid the biggest
Depreciation hit:
run it into the ground or until it is no longer safe and reliable
by malabargold
Sat Mar 23, 2019 12:14 pm
Forum: Personal Consumer Issues
Topic: Family man who misses driving a fun car
Replies: 181
Views: 13593

Re: Family man who misses driving a fun car

2 practical yet fun cars

Honda Accord coupe v6 stick
Or Mercedes AMG wagon
by malabargold
Sat Mar 23, 2019 5:34 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13831
Views: 2276126

Re: U.S. stocks in free fall

Yawn
Every recession has been followed by yet another all time stock high
by malabargold
Fri Mar 15, 2019 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Financial disparity among siblings: Your experiences
Replies: 25
Views: 3941

Re: Financial disparity among siblings: Your experiences

this isn’t something that springs to mind when I think of my family
by malabargold
Fri Mar 15, 2019 7:47 pm
Forum: Personal Consumer Issues
Topic: Fishing Kayak recommendation
Replies: 50
Views: 2897

Re: Fishing Kayak recommendation

For lakes think about a Wenonah Kevlar
square stern Bluegill canoe

About 25lbs, nice wide beam and the square stern
can take a trolling motor
by malabargold
Mon Mar 11, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Are academic enrichment courses for school age kids worth it
Replies: 61
Views: 3604

Re: Are academic enrichment courses for school age kids worth it

Help accentuate the attributes that come naturally
to your children, not those that don’t.

You’ll both be happier and more fulfilled.
by malabargold
Mon Mar 11, 2019 11:10 am
Forum: Personal Investments
Topic: Why not 50 Stocks- 50 Bonds, wait for crash then go 90-10?
Replies: 54
Views: 4616

Re: Why not 50 Stocks- 50 Bonds, wait for crash then go 90-10?

Why not just stay at 95-100% stocks ?
I have for nearly 50 years
by malabargold
Mon Mar 11, 2019 7:33 am
Forum: Personal Consumer Issues
Topic: Island Vacation with Shade on the Beach?
Replies: 40
Views: 4525

Re: Island Vacation with Shade on the Beach?

Grenada.
The most famous beach Grand Anse has a few big shade trees
Other beaches have more
by malabargold
Mon Mar 11, 2019 7:25 am
Forum: Personal Investments
Topic: Leaving Roth to children?
Replies: 16
Views: 2095

Re: Leaving Roth to children?

Teach your kids how to save, invest, and spend wisely.

Dumping a pile of money on them without an a
“user’s manual” and some practice may not be much of a gift otherwise.