Search found 1558 matches

by adamthesmythe
Mon Oct 23, 2017 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How to make a Will myself?
Replies: 13
Views: 488

Re: How to make a Will myself?

In some states a holographic will (a handwritten and signed will) is valid. https://en.wikipedia.org/wiki/Holographic_will It is interesting to note that the entire will must be handwritten. In view of the extreme unlikelihood that this will will ever be used you might want to consider this if valid...
by adamthesmythe
Mon Oct 23, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Cold feet
Replies: 19
Views: 1384

Re: Cold feet

I have a pair of down booties, similar to

https://www.rei.com/product/105416/cabi ... oties-mens
by adamthesmythe
Sun Oct 22, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?
Replies: 13
Views: 1037

Re: 3-fund of SPDRs is better than of Vanguard ETF (lower ER)?

Once the expense ratio gets below a tenth of a percent or so it's worth spending your time thinking about other things.
by adamthesmythe
Sun Oct 22, 2017 7:53 pm
Forum: Personal Consumer Issues
Topic: What is the best thing to use to hang pictures?
Replies: 26
Views: 1300

Re: What is the best thing to use to hang pictures?

Can't beat the ooks http://www.ooks.com/index.html These will do for anything except, I don't know, things that get above 50 pounds or so. For ordinary pictures simpler and cheaper nail-based hooks are fine. If the nails are at 45 degrees or so one nail holds a considerable amount of weight even on ...
by adamthesmythe
Fri Oct 20, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1423

Re: Mercedes Benz E300 Navigation System

Mine in a VW is helpful but (1) lacks some features in Google maps (2) does not get automatically updated and (3) doesn't know about traffic. On the other hand, Google maps is not quite totally indispensable (I haven't figured out the relationship between the arrows and the direction I am traveling,...
by adamthesmythe
Wed Oct 18, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: 1st Time Cruise - Princess and wifi
Replies: 21
Views: 1539

Re: 1st Time Cruise - Princess and wifi

When you are move than a few miles from port both phone and wifi need to go by satellite. Think $, or maybe $$$ or $$$$$.

It's a vacation. Lose the phone and the email.
by adamthesmythe
Wed Oct 18, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth applying for Credit Limit Increase?
Replies: 21
Views: 1242

Re: Is it worth applying for Credit Limit Increase?

I can't see why you would ask for an increase if you didn't need it.

I did this once, ever, so I could pay the moving man.

In any case- even though fraudulent charges would be reversed- I would feel less comfortable carrying around cards with really huge credit limits.
by adamthesmythe
Tue Oct 17, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Honest Contractor Reviews
Replies: 10
Views: 649

Re: Honest Contractor Reviews

Skip the reviews and look at some of his work in person, the older the better.

Where I used to live concrete contractors would embed a stamp, with their name, phone, and year of installation.
by adamthesmythe
Mon Oct 16, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: Where to notarize legal zoom documents? Trouble getting witnesses
Replies: 14
Views: 990

Re: Where to notarize legal zoom documents? Trouble getting witnesses

What they said above. Sometimes your bank and if not the bank then UPS store. Even though it is a nuisance it may be worth having it witnessed by someone who knows you. I think expecially the living will, as witnessing means that some close to you are aware of your intentions and can even speak to y...
by adamthesmythe
Mon Oct 16, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Mineral Rights Valuation (Natural Gas)
Replies: 8
Views: 756

Re: Mineral Rights Valuation (Natural Gas)

They can access the gas without actually going onto the property, but even so there can be adverse consequences for the owner.

With all the recent publicity, I agree that not including the mineral rights could make the property hard to sell.
by adamthesmythe
Sat Oct 14, 2017 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: You career roots and your path to financial independence. "Actionable: steps and tips for others?
Replies: 56
Views: 5533

Re: Blue collar (or other) roots and your path to financial independence. Steps and tips for others?

Father was HS educated, mother went to secretarial school. Only one near relative went to college and he didn't graduate. First job was odd tasks for a machinist, second was bagging groceries.

I retired from a position as a full professor at a well-known engineering school.
by adamthesmythe
Sat Oct 14, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3266

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

> AAPL is more diversified, since it is worth more than the S&P 600 index constituents combined Apple has a countably small number of products that account for most of its sales (and a smaller number that account for most of its profits). A single problem with a flagship product could cause massive ...
by adamthesmythe
Fri Oct 13, 2017 6:07 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7050

Re: How many miles/years do you keep your car?

I have not had very positive experiences with used cars. I buy new, and probably keep 5 years or more. No particular plan for exactly how long to keep. I did have a Miata I kept for over 10 years, that was an exception. I like having a newer car that I don't need to think about much. I've driven lou...
by adamthesmythe
Fri Oct 13, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: How does the medical billing system work?
Replies: 34
Views: 2255

Re: How does the medical billing system work?

> So, if someone does not have insurance, I assume they pay the MSRP? like $50,000 versus $10,000? You will get billed for this amount. Whether or not not you actually pay it is a different question. I suspect many bills get negotiated down, and some don't get paid at all, and get written off or the...
by adamthesmythe
Thu Oct 12, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Washington DC Trip
Replies: 25
Views: 1635

Re: Washington DC Trip

Was there recently. You should know that the Sackler is closed and the Hirshhorn is less than it was. The Air and Space museum will be crowded, because it always is. Mount Vernon is enjoyable (if the weather is good) and There is also the Udvar-Hazy museum at the airport (which will be much less cro...
by adamthesmythe
Thu Oct 12, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Going First Class
Replies: 42
Views: 2400

Re: Going First Class

You can't be that rich if you still have to fly commercial. No, but seriously. I would fly first if I could afford it. I would probably dress like a street person, too, because that's what I do now that I'm retired. Or maybe street person with a really nice out-of-style sports coat. You have learned...
by adamthesmythe
Thu Oct 12, 2017 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Beware of Malware at Equifax website
Replies: 6
Views: 982

Re: Beware of Malware at Equifax website

1. Sucks.

2. I had been advised not to install Adobe Flash on my computer. Still don't have it.
by adamthesmythe
Tue Oct 10, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Anesthesiologist Advise [how to save money]
Replies: 45
Views: 5573

Re: Anesthesiologist Advise [how to save money]

> 32yr old New anesthesiologist with zero debt So your earnings will be very high, certainly high enough to live well in CA > I understand that eventually the "billing will catch up" and I should be making close to 25K a month > I have about $3300 in guaranteed expenses a month You have a temporary ...
by adamthesmythe
Tue Oct 10, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: McDonalds Rick and Morty Szechuan Sauce...$995 ?
Replies: 16
Views: 2399

Re: McDonalds Rick and Morty Szechuan Sauce...$995 ?

They only had it at a couple of hundred restaurants nation-wide, and only had 40 packets of sauce per restaurant. They plan to reissue the sauce in much greater quantities in the winter. http://www.freep.com/story/news/local/michigan/2017/10/09/mcdonalds-szechuan-sauce/745555001/ I'm sure the first...
by adamthesmythe
Mon Oct 09, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2196

Re: When to buy new tires? - penny or quarter test

If my battery goes then I can't start. But if my tires are bad maybe I can't stop which is a far more serious matter. A much more serious matter. I've let batteries go until failure. I would not deliberately do that with tires. I suspect there ia gradual change with wear in wet and snowy weather per...
by adamthesmythe
Mon Oct 09, 2017 7:33 pm
Forum: Personal Consumer Issues
Topic: My Son is buying a 2017 Toyota RAV 4
Replies: 28
Views: 3061

Re: My Son is buying a 2017 Toyota RAV 4

Ask him whether he has the cash to pay off the car right now? If not, tell him do not buy the car. If yes, then take the deal which has the lowest price. Buying a reliable, moderately priced new car with a loan is a reasonable choice for a young person with stable employment and no significant othe...
by adamthesmythe
Mon Oct 09, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Would you buy a new family home [Australia]
Replies: 19
Views: 1922

Re: Would you buy a new family home

You are talking about a non-diversified leveraged investment. This is how some people get rich and some people get broke.

Never went in for this myself, just did took the slow and steady approach.
by adamthesmythe
Mon Oct 09, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: What to do with unused paint?
Replies: 38
Views: 2336

Re: What to do with unused paint?

Hi, We got our house painted this past summer. To select the colors, we bought a lot of samples (quart size) from Sherwin Williams. What do we do with all those samples? Can we donate them somewhere? Even a full quart is not enough to paint anything of significant size. Maybe use them to paint base...
by adamthesmythe
Mon Oct 09, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Why is inflation so low? Moore's law?
Replies: 33
Views: 4258

Re: Why is inflation so low? Moore's law?

> Technology seems to be broadly deflationary these days. Dunno about that. It seems like there are bottomless pits that need to be filled with computers, cell phones, TVs, etc. etc. Each one may seem cheaper but we keep buying more. I think inflation is low because...we had a big recession, verging...
by adamthesmythe
Mon Oct 09, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to utilize monthly vehicle allowance from employer?
Replies: 10
Views: 589

Re: Best way to utilize monthly vehicle allowance from employer?

I would look at this as an opportunity to live a little. Spend most, but not absolutely all, of the available money on a pretty good new car that has good reliability and resale value. Unless, that is, a few extra dollars makes a great deal of difference to your budget. Beware of buying a car that s...
by adamthesmythe
Mon Oct 09, 2017 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Boglehead vs Mr Money Mustache philosophies]
Replies: 203
Views: 13815

Re: Hope I'm not unwittingly wading into anything here...

How about
cutterinnj wrote:
Mon Oct 09, 2017 3:45 pm
Bogleheads: Folks who wish to optimize their financial portfolios by removing waste
in order to accumulate enough $ for the fun stuff.
by adamthesmythe
Fri Oct 06, 2017 4:31 pm
Forum: Investing - Theory, News & General
Topic: I'm thinking about cashing completely out of equites....
Replies: 75
Views: 8150

Re: I'm thinking about cashing completely out of equites....

I'm 56 years old and I have all the money I will ever need based on my lifestyle (boring). With the market overdue for a correction does it ever make sense to completely liqudate ones exposure to risk. I'm currently at a 50/50 mix. Thoughts? Thing is, you can liquidate your exposure to market risk ...
by adamthesmythe
Thu Oct 05, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Weeklong vacation Thanksgiving
Replies: 13
Views: 1150

Re: Weeklong vacation Thanksgiving

In Canada they don't have Thanksgiving at the same time, so nothing will be closed. Don't know if that matters to you. Vancouver is nice.
by adamthesmythe
Thu Oct 05, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is it possible to buy TOO LITTLE house? Is buying a home in a HCOL actually cheaper than a LCOL?
Replies: 14
Views: 1258

Re: Is it possible to buy TOO LITTLE house? Is buying a home in a HCOL actually cheaper than a LCOL?

I would suggest that buying the maximum amount of house increases your risk of default due to job loss, etc. People in HCOL areas may have no choice but to buy the maximum they can afford, because that may only get them into the bottom of the market. We are all familiar with the idea that higher ris...
by adamthesmythe
Wed Oct 04, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Comparing cost of two homes
Replies: 3
Views: 394

Re: Comparing cost of two homes

My thoughts about estimating costs > mortgage Easy. You know the interest rates, use on-line calculators. > insurance Ask owner. Insert contingency requiring that insurance be available for less than some amount you choose based on owner's answer. > taxes Learn about your locality. Often there is a ...
by adamthesmythe
Tue Oct 03, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9251

Re: Senior citizens can lose everything [to professional guardians via court rulings]

> And a generous lifetime annuity, along with good SS benefits... that could make a nice tidy income, but for someone "else" :( (Plus whatever is not annuitized, given that in general, one shouldn't annuitize everything.) Actually I buy the annuity suggestion. Yes, there is money to be had. But the ...
by adamthesmythe
Tue Oct 03, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you foresee a drop in housing prices in the next 5 years
Replies: 53
Views: 5381

Re: Do you foresee a drop in housing prices in the next 5 years

A long time ago interest rates were up near 15% and I was living in Silicon Valley. You would think that your affordability issue would have caused a massive decrease in prices. It didn't happen. Houses sat on the market. Owners financed mortgages sometimes. People got money from other parents, etc....
by adamthesmythe
Tue Oct 03, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9251

Re: Senior citizens can lose everything [to professional guardians via court rulings]

One question I have: what are the things that make one look like a good prospect for a victim? What can you do to look like a bad prospect?
by adamthesmythe
Tue Oct 03, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: Do I have to choose between buying home in HCOL and FIRE or can I have both?
Replies: 35
Views: 2547

Re: Do I have to choose between buying home in HCOL and FIRE or can I have both?

. I fear I am overlooking how much a house that price would put us behind. When you retire you can sell and recover the house value at that time. It MIGHT even turn out to be a substantial increase. Don't forget that rent could increase considerably over 15 years. (Many in strong economy areas will ...
by adamthesmythe
Tue Oct 03, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9251

Re: Senior citizens can lose everything to this growing scam

Its too long, written like a novel. Hope I can find a synopsis somewhere. I want to know about this... but don't have time to read the entire story. What is the gist of this? Well, I mean, it's the New Yorker. That's what they do. The New Yorker is known for serious (long-form) journalism. They are...
by adamthesmythe
Mon Oct 02, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Looking for advice on an automotive paint job.
Replies: 20
Views: 1202

Re: Looking for advice on an automotive paint job.

>the previous owner handpainted the roof when it started to peel and it looks bad.

ik.

Have you considered "wrapping" the car?

I would never do it to one of mine, but then my car doesn't have a hand-painted roof.
by adamthesmythe
Mon Oct 02, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Go to cash now or in late December when i need the cash
Replies: 28
Views: 1930

Re: Go to cash now or in late December when i need the cash

It's hard for me to imagine unexpected events that would cause a 20% increase, but I can easily imagine things that would cause a 20% drop.

If you know you need to have cash in 3 months I would sell now.
by adamthesmythe
Sun Oct 01, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Would you take a pay cut to work from home?
Replies: 67
Views: 5324

Re: Would you take a pay cut to work from home?

If you work from home you will be on the list to be the first to go when downsizing happens. If you work from home it is more difficult to establish an ongoing personal relationship with your manager and co-workers. Maybe that's why it seems attractive to you but it has high career risk. Being invi...
by adamthesmythe
Sat Sep 30, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6021

Re: Is it a waste of money having your furnace checked every year?

BanquetBeer wrote:
Sat Sep 30, 2017 1:35 pm
A CO monitor is much cheaper than a furnace check.
I don't think this way in the lab or at home. Engineer and maintain for no leaks and view gas detectors as backup.
by adamthesmythe
Sat Sep 30, 2017 5:56 pm
Forum: Personal Consumer Issues
Topic: Hardwood/Laminate floors ?
Replies: 17
Views: 1517

Re: Hardwood/Laminate floors ?

I think this depends a lot on your house/ neighborhood. If higher end laminate will be a negative when you sell. Of course, if you don't intend to sell then get whatever you like. There's a continuum in price and appearance with laminate toward the bottom and plank hardwood at the top. You can find ...
by adamthesmythe
Fri Sep 29, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1068

Re: Luggage locks

I don't use any kind of lock and I don't pack anything I cannot afford to lose.
by adamthesmythe
Thu Sep 28, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Anyone try a "cheap" sapphire-faced watch?
Replies: 11
Views: 898

Re: Anyone try a "cheap" sapphire-faced watch?

One inch diameter sapphire (electronic grade) substrates are now selling for $15 in small quantities. It does not seem unreasonable that a consumer-grade watch crystal could be had for a few dollars by a manufacturer. These are grown crystals. Sapphire for jewelry is impure sapphire that comes out o...
by adamthesmythe
Wed Sep 27, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: 403(B) advisor advice to wife
Replies: 36
Views: 2726

Re: 403(B) advisor advice to wife

The expense ratio difference is negligible.

Folks 'round these here parts don't usually do actively managed funds. Because of the philosophy, not the expense ratio.
by adamthesmythe
Tue Sep 26, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11328

Re: The Rolex and The Boglehead

I have no use for jewelry.

I inherited an expensive gold watch. Haven't ever worn it.
by adamthesmythe
Mon Sep 25, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: buy or rent and invest in a HCOL area
Replies: 10
Views: 848

Re: buy or rent and invest in a HCOL area

If house prices go up in the future rent will also. If you own you get to particpate in the increase, if you rent you get to pay for it. The right decision depends partly on what the local economy will do (something you can only guess at) and partly and whether you plan to live there for a while. Ow...
by adamthesmythe
Mon Sep 25, 2017 12:11 pm
Forum: Personal Consumer Issues
Topic: Buying 14 Plane Tickets - Sac to Cabo San Lucas
Replies: 14
Views: 1876

Re: Buying 14 Plane Tickets - Sac to Cabo San Lucas

Never done this myself. Maybe you will get replies from someone who has.

I'll bet the websites don't count that high. At minimum I would call the airline and consult a travel agent to see if there is a deal to be had.
by adamthesmythe
Sun Sep 24, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Realtor to buy home?
Replies: 36
Views: 2942

Re: Realtor to buy home?

Neither buyer nor seller, regardless of any legal, ethical, code of conduct, etc.., should ever assume that any real estate professional acts in anyone's best interest other than themselves. A buyer's agent especially operates under an explicit conflict of interest. It is by self-evidence that both...
by adamthesmythe
Sun Sep 24, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: The right offer on a home
Replies: 10
Views: 1112

Re: The right offer on a home

I think the home is worthless. You can get comps for the land. You are buying it for the land anyways. I suppose the owner wants one of the adjacent horse farms to buy it. If you buy for land value be sure that the land can be developed in the way you intend. Zoning, water, sewage, etc. I don't agr...
by adamthesmythe
Sun Sep 24, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3267

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

> why not buy the car in AZ?

AZ has high registration fees for new cars. This is an excellent reason to own the car in the east for a few years.
by adamthesmythe
Sun Sep 24, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: Honda CRV All Wheel Drive VS Front Wheel, Which One?
Replies: 49
Views: 3267

Re: Honda CRV All Wheel Drive VS Front Wheel, Which One?

In a similar situation (recently moved permanently from the NE to AZ) I bought AWD in the east. There are good arguments either way. But AWD is not totally useless in AZ as there are places that get snow and you may well want to drive some of the dirt/ muddy roads. Of course on some of those roads A...