Search found 619 matches

by FreeAtLast
Fri Jun 22, 2018 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is/ was your career and would you recommend it now?
Replies: 149
Views: 9634

Re: What is/ was your career and would you recommend it now?

Bachelor's in Chemistry. Health and Safety Specialist. I think I posted some of these items within the last year, although I am too lazy to do a search to find out: Assess and manage asbestos hazards and supervise removals. Assess and manage hazardous chemical hazards and supervise removals. Assess ...
by FreeAtLast
Mon Jun 11, 2018 6:53 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 16536

Re: Life in retirement - what did you do today?

Got Up. Checked the local and national and world news. Daily exercise session. Ate lunch (biggest meal of day for me). Made hotel reservations for trip to Virginia. Planned out driving route. Went to Barnes and Noble to buy new highway maps and to check out latest books. Bought chocolate chip cookie...
by FreeAtLast
Fri Jun 08, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 10065

Re: Why do we work?

midareff wrote:
Fri Jun 08, 2018 2:26 pm
I worked so I could enjoy my two favorite things..... living indoors and eating.
You forgot to mention napping and imbibing. Funniest post of the week, midareff. :beer
by FreeAtLast
Mon Jun 04, 2018 10:59 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Financial Illiteracy’s High Cost
Replies: 30
Views: 3802

Re: Larry Swedroe: Financial Illiteracy’s High Cost

What is a "unit of financial literacy?" I am unable to access the academic paper that Larry references.
by FreeAtLast
Mon May 28, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever overpaid your federal income tax bill?
Replies: 17
Views: 1489

Re: Have you ever overpaid your federal income tax bill?

Instead of paying my estimated federal taxes on four separate dates throughout the year, I pay them all by the first required date in April. Except this year I was distracted by a lot of issues and when I calculated the total payment, I forgot to take the new tax law revisions into account. Overpaid...
by FreeAtLast
Sat May 19, 2018 6:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"Strange New Worlds: The Search For Alien Planets" by Ray Jayawardhana (Princeton University Press, 2011). The author is an active astrophysicist and he has done us all a favor here by publishing this little book (227 pages of text). Ever wonder how astronomers have been able to discover and charact...
by FreeAtLast
Wed May 09, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Do I need to unfreeze my credit before applying for a new card?
Replies: 50
Views: 3344

Re: Do I need to unfreeze my credit before applying for a new card?

What if I don't apply to them, but they send me an application for their card? Still need to unfreeze?
by FreeAtLast
Tue May 08, 2018 4:10 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2673

Re: Happy 89th birthday to Bogle

I simply don't have the words in this short space to express how much I admire and respect this man (maybe in a 5 page essay, single-spaced). Buon Compleanno, Jack! :D
by FreeAtLast
Mon May 07, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: When to buy new underwear?
Replies: 86
Views: 6270

Re: When to buy new underwear?

If I had died in an auto accident and my mother went to identify the body.....the first thing she would have done is to confirm that I was wearing clean underwear. :twisted:

My vote is with the "elastic band wearing out" folks.
by FreeAtLast
Sun May 06, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"Waterloo" by Bernard Cornwell (Harper Collins Publishers, 2014) Two weeks ago I was at the library staring at several shelves worth of books about this famous battle. After about one-half hour of perusing, I picked this tome. Good choice. It's an comprehensive, engaging, and very readable overview ...
by FreeAtLast
Sun May 06, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: What career for smartest kid in the class?
Replies: 132
Views: 8364

Re: What career for smartest kid in the class?

I'm a Pediatrician, and certainly do not want my kids to become doctors. I love being a Pediatrician, but it's disheartening to see how many non-doctors with as little as 27 months of ONLINE training and 1-year of clinical rotations are being allowed to see children. To make things worse, these peo...
by FreeAtLast
Sat Apr 28, 2018 10:32 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 288
Views: 38536

Re: Good Modern Science Fiction

"Gunpowder Moon" by David Pedreira (HARPER Voyager, 2018) I am amazed by this first "hard sci-fi" novel from a writer who seems to have no formal training in physics, chemistry, geology, space medicine, or any other science necessary to convincingly depict living, working, and surviving in the extre...
by FreeAtLast
Tue Apr 24, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5686

Re: How long have you been unemployed?

Age 62, retired over 4 years.

From the first day of my first full-time job to the first day of retirement, I was only unemployed once.....for 3 months, 3 days, 11 hours, and 23 minutes. :)
by FreeAtLast
Fri Apr 20, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"Greeks Bearing Gifts" by Philip Kerr (G.P. Putnam's Sons, 2018) If I counted correctly, this book is the 13th Bernie Gunther novel. As such, the reader can expect at least the following: 1) Bernie is forced against his will to dance to somebody else's tune, either by threat of imminent death, impri...
by FreeAtLast
Sat Apr 07, 2018 8:45 pm
Forum: Investing - Theory, News & General
Topic: JAMA article's health implications for asset allocation
Replies: 43
Views: 3726

Re: JAMA article's health implications for asset allocation

RadAudit wrote:
Sat Apr 07, 2018 7:00 pm
VictoriaF wrote:
Thu Apr 05, 2018 2:16 pm
The U.S. market has never lost 75%, but it could
I thought the US market (Dow) lost 90% over several years during the Depression. Could be wrong.
My historical data table taken from an old Bogleheads' thread states from 08/30/1929 to 05/31/1932 = negative 84.59% for the S&P 500. :(
by FreeAtLast
Sat Apr 07, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"The Frozen Hours" by Jeff Shaara, Ballantine Books (2017) Shaara writes historical fiction and in most cases I don't read that sort of stuff. But he really does his homework concerning the characters he writes about and the situations they find themselves in, so I am more than willing to accept the...
by FreeAtLast
Fri Apr 06, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4492

Re: Is it very hard to learn Spanish?

I took 4 years in high school and then one year in college - one semester of Advanced Grammar and one semester of Spanish Literature. Like anything else, some of it is easy and some of it is difficult. You will recognize a lot of words, as pointed out above, and a lot of the pronunciations will come...
by FreeAtLast
Mon Apr 02, 2018 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Liability for 32 year old step son living home
Replies: 79
Views: 8671

Re: Liability for 32 year old step son living home

I would suggest family counseling for you and your wife, to get help with figuring out what to do as a team. Allowing him to live in your house, rent free, indefinitely, without dealing with whatever the issue is, is *your* problem, not his. You’re both enabling him to not deal with whatever his pr...
by FreeAtLast
Thu Mar 29, 2018 2:48 pm
Forum: Personal Consumer Issues
Topic: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?
Replies: 26
Views: 1858

Re: Mystery: Gas bill says therms increased 33% year over year but temperature stayed the same. Why?

Is it an actual or an estimated reading? I received a high use gas bill for January, it was an estimated bill and corrected itself in February when they actually came out and read the meter. This sort of thing just happened to me. They didn't read my meter for NINE MONTHS, so all I had during that ...
by FreeAtLast
Sat Mar 24, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: New Member, highly determined! Looking for advice / direction on becoming financially literate
Replies: 34
Views: 2556

Re: New Member, highly determined! Looking for advice / direction on becoming financially literate

I am assuming that "Alexander Adams" is your actual name. If so, I would suggest that you change your username to something anonymous. Especially if in the future you might be posting personal financial details in this Forum.

Regards and Welcome,
FreeAtLast
by FreeAtLast
Wed Mar 21, 2018 7:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

'Friends And Traitors" by John Lawton, Atlantic Monthly Press (2017) Here we have a new Inspector Frederick Troy story, and it's a doozy. Troy dodges an assassin's bullets, is jailed under suspicion of murder, is rigorously investigated concerning his loyalty to Britain by MI5, while all the time tr...
by FreeAtLast
Mon Mar 19, 2018 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Ever received a legitimate unsolicited call from the I.R.S.?
Replies: 24
Views: 2290

Re: Ever received a legitimate unsolicited call from the I.R.S.?

Years ago, when this scam first reared its ugly head, my mother got one of these calls. Fortunately, she did exactly as I always told her to do, which was tell the person that she would have to speak with me before she took any action. When she contacted me, she was very upset, tortured by visions o...
by FreeAtLast
Sun Mar 18, 2018 4:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

'The Late Show" by Michael Connelly; Little, Brown and Co. (July 2017) Connelly introduces a new protagonist, LAPD detective Renee Ballard. If you like the adventures of Harry Bosch, then you will have no problem enjoying this crime tale. Connelly is on top of his game in this one and Ballard is a v...
by FreeAtLast
Fri Mar 16, 2018 8:27 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced Rum?
Replies: 39
Views: 3129

Re: What is your favorite reasonably priced Rum?

10 Cane from Trinidad was absolutely delicious. Had a hint of bananas in the aftertaste. Unfortunately, discontinued in 2015. If I had known that beforehand, I would have stocked up with at least a case. :( :oops:
by FreeAtLast
Mon Mar 12, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical report
Replies: 31
Views: 2227

Re: Incorrect medical report

I am hoping to solicit suggestions on how to handle correction of a medical report from the physicians on this board. Recently I obtained a copy of a medical report and discovered it is incorrect. The report states an event that did not occur. A message was left with the physician's nurse and when ...
by FreeAtLast
Sat Mar 10, 2018 3:29 pm
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 172
Views: 19092

Re: Books that have actually changed your life, in a way.

I have studied military history for long time, 40 years. A book and a trilogy got me started. The book was William Shirer's The Rise and Fall of the Third Reich. The trilogy was Bruce Catton's Civil War. For a beginner today, I would still recommend them highly.
by FreeAtLast
Thu Mar 08, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Credit score dropped 30 points because I paid off my auto loan?
Replies: 49
Views: 9444

Re: Credit score dropped 30 points because I paid off my auto loan?

Well, I might as well throw in my two cents here. I paid off an auto loan (5K) in January. My Barclay's Master Card sent me an email saying my credit score had changed. I automatically assumed a decrease. Lo and behold, my score increased from 819 to 833 to 840 in 2 months. I am pretty sure that Bar...
by FreeAtLast
Thu Mar 08, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Form 1040-ES for 2018
Replies: 2
Views: 334

IRS Form 1040-ES for 2018

I have been eagerly waiting for this document to be published and I finally found it today by Googling. I like to get my first estimated payment out of the way well before April 17th. If it was available before today's date, I couldn't find it.
by FreeAtLast
Mon Mar 05, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: The Illusion of "The Long-Term Average" in Investing
Replies: 61
Views: 7962

Re: The Illusion of "The Long-Term Average" in Investing

Just to add: In no way am I an expert in statistics, and will readily admit to suffering for years from the illusion of The Long-Term Average in historical financial data — that is, until I read this short treatise: All Change! The Implications of Non-stationarity for Empirical Modeling , Hendry & ...
by FreeAtLast
Sun Mar 04, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: What is your investment strength?
Replies: 70
Views: 5539

Re: What is your investment strength?

1) K.I.S.S.
2) Discipline
3) Patience
4) Long View
by FreeAtLast
Sat Mar 03, 2018 9:39 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"The Raymond Chandler Omnibus", Alfred A. Knopf NY (1976): - Farewell, My Lovely (1940) There is a line early on in that book where Marlow describes his first glimpse of Moose Malloy (the guy whose "lovely" is in the title). He was a big man but not more than six feet five inches tall and not wider...
by FreeAtLast
Sat Mar 03, 2018 9:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3067
Views: 945951

Re: What Book Are You Currently Reading? Part VI

"The Raymond Chandler Omnibus", Alfred A. Knopf NY (1976): - The Big Sleep (1939) - Farewell, My Lovely (1940) - The High Window (1942) - The Lady of the Lake (1943) With all the police procedurals and murder mysteries that I have read in my life, it is embarrassing that I finally got around to read...
by FreeAtLast
Wed Feb 28, 2018 2:37 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 8523

Re: 30-Day Minimalist Challenge

I'd say the hardest stuff to get rid of are the sentimental items that stay in boxes in the back of the closet but you feel bad when you attempt to throw them out. Taking pictures of these things really helps so that you can still retain the memories associated with them without having to hoard the...
by FreeAtLast
Sun Feb 25, 2018 12:13 am
Forum: Investing - Theory, News & General
Topic: Atlantic Article: This Is What Life Without Retirement Savings Looks Like
Replies: 26
Views: 4811

Re: Atlantic Article: This Is What Life Without Retirement Savings Looks Like

Why don't we have much more financial education in public schools, starting at the elementary level? :?
by FreeAtLast
Wed Feb 21, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 38938

Re: What UN-frugal thing do you do?

I won't drink cheap alcohol. While not a annoyingly zealous craft beer guy, I don't drink mass produced American beers (with one exception, below). Fortunately I have five microbreweries within a ten mile radius. Usually drink only Scotch single malts unless the tavern I am at has only blended whisk...
by FreeAtLast
Mon Feb 19, 2018 3:27 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 46
Views: 5698

Re: Chillin' in the BH Lounge

"This morn I was in a foul mood,
And then I found this thread,
Now I am one happy dude,
Oh, what nisiprius said!"

Every once in a while, this forum needs a little silliness to offset the excessive solemnity of some of the posts. :D
by FreeAtLast
Fri Feb 16, 2018 3:54 pm
Forum: Investing - Theory, News & General
Topic: Retirees: The common sense withdrawal method
Replies: 168
Views: 18384

Re: Retirees: The common sense withdrawal method

I vote with jebmke. I have used the "TL" method since retiring 4 years ago, and feel very comfortable with it. I will admit that I live a very simple and frugal lifestyle. It does not take a lot of withdrawal money to make me happy: good books from our excellent public library, a walk around the nei...
by FreeAtLast
Sun Feb 11, 2018 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Legal Docs
Replies: 16
Views: 1476

Re: Legal Docs

I live in a medium cost of living (MCOL) area and I am having all my documents updated: Last Will and Testament (with a trust amendment), Health Care Proxy, Living Will, and Power of Attorney. It's going to cost me $500. I consider that money very well-spent to obtain a legally valid, up-to-date, an...
by FreeAtLast
Thu Feb 08, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 288
Views: 21881

Re: free dinner investing seminar

Listening to such a pitch would raise my blood pressure and defeat the whole point of a nice dinner out. I’d rather pay for the meal myself and actually enjoy it, or, more likely, cook a nice steak at home for $15 or so. Hah! At least one poster in this thread has the same reaction that I would "li...
by FreeAtLast
Wed Feb 07, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5781

Re: What time do you go to work?

For my last five years before retiring, I arrived at my office between 4:30 - 5:00 AM.
by FreeAtLast
Wed Feb 07, 2018 12:50 pm
Forum: Personal Consumer Issues
Topic: Jogging in the cold.
Replies: 50
Views: 3973

Re: Jogging in the cold.

For 25 years, I ran 4 miles a day during the winter in upstate NY. My coldest day was minus 20 degrees F.(no wind, thank God). My coldest wind chill has been about minus 35 when the wind was gusting (calculated by latest NWS chart). Never had a problem breathing. Always wore fluorescent orange jacke...
by FreeAtLast
Mon Feb 05, 2018 3:35 pm
Forum: Personal Consumer Issues
Topic: Night Vision Glasses
Replies: 16
Views: 2155

Re: Night Vision Glasses

I have to ask: are your check-ups performed by a board certified ophthalmologist? Have you talked to him/her about this issue? Last check with the ophthalmologist who performed the cataract surgery, and he said that some people do experience glare problems after surgery that don't resolve. If it's ...
by FreeAtLast
Sun Feb 04, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: Night Vision Glasses
Replies: 16
Views: 2155

Re: Night Vision Glasses

I have to ask: are your check-ups performed by a board certified ophthalmologist? Have you talked to him/her about this issue?
by FreeAtLast
Fri Feb 02, 2018 1:06 pm
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6655

Re: Relearning Calculus

How about Salas and Hille's text? It provides as clear an explanation of basic Calculus problems as I have ever seen. If you want to learn further about fundamental concepts of analysis: A Course of Pure Mathematics by G.H.Hardy, a very famous and well-respected British mathematician. Edit: An excel...
by FreeAtLast
Sun Jan 28, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Who taught you about financial responsibility?
Replies: 107
Views: 7397

Re: Who taught you about financial responsibility?

My parents were both card-carrying members of the Great Depression generation. 'Nuff said.
by FreeAtLast
Fri Jan 26, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Accountant Recommends doing Whole Life Insurance
Replies: 64
Views: 5586

Re: Accountant Recommends doing Whole Life Insurance

Everybody who posted to "veritas" -

I agree, forget the Whole Life. However, we should ask the OP something else: How is he investing the 750K per year income? Well, veritas?

Free
by FreeAtLast
Fri Jan 26, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: "10 Reasons I Invest in Index Funds" -- by Jim Dahle
Replies: 6
Views: 1464

Re: "10 Reasons I Invest in Index Funds" -- by Jim Dahle

Great article, and even better.....you can download all of it in PDF format (see symbol after final paragraph). :D
by FreeAtLast
Thu Jan 25, 2018 12:48 pm
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 10297

Re: Dalio says bonds have entered a bear market

Grt2bOutdoors wrote:
Thu Jan 25, 2018 7:25 am
Thought the oracle of bonds was Gross or Gundlach?? Has baton been passed to Dalio as in a game of hot potato??
What does James Grant say? Anybody? :?
by FreeAtLast
Wed Jan 24, 2018 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6812

Re: Your bond allocation when you were 48

0% bonds until 55 years old.
by FreeAtLast
Wed Jan 24, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9683

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

Galaxy S5 that is 3.5 years old. It does everything that I need to do with a cell phone.