Search found 510 matches

by badger42
Sun May 03, 2020 3:40 pm
Forum: Personal Consumer Issues
Topic: Best [BBQ grill] for the money?
Replies: 94
Views: 6599

Re: Best BBQ for the money?

Most if not all of the Weber Q models use small, expensive propane cylinders, not the cheap standard 20lb ones.

The Wirecutter reviewed grills at https://thewirecutter.com/reviews/best-gas-grill/ and for your $500 budget, really liked the Weber Spirit II E-310.
by badger42
Tue Apr 21, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Exit Interview
Replies: 78
Views: 5961

Re: Exit Interview

Exit interviews are mostly a HR box-checking exercise. If you can say something that might genuinely help the colleagues who are still there, and can say it constructively (e.g. I left a job/role where the role was not paid as well as a comparable role, and said this comp delta was a key reason for ...
by badger42
Sun Mar 29, 2020 11:57 am
Forum: Personal Consumer Issues
Topic: How much umbrella insurance do I need?
Replies: 14
Views: 1096

Re: How much umbrella insurance do I need?

Umbrella is one of the few true good deals in the insurance market. It's true insurance - you pay a small amount every year, to protect against catastrophic losses. $1m is the bare minimum. Keep in mind future income is at risk too, not just net worth - and that insurance companies will work harder ...
by badger42
Mon Mar 02, 2020 8:20 am
Forum: Non-US Investing
Topic: Rebalancing during Coronavirus crisis
Replies: 28
Views: 2446

Re: Rebalancing during Coronavirus crisis

Rebalance at a rate of x dollars/time period or percent of assets/time period until things are back to planned allocations, instead of rebalancing all at once. (e.g. my plan says $5k/wk rate limit into stocks and $10k/wk rate limit out of stocks, double both if allocations are more than 10% off) Is...
by badger42
Mon Mar 02, 2020 12:14 am
Forum: Personal Investments
Topic: Airline Stocks
Replies: 9
Views: 1060

Re: Airline Stocks

I buy whatever airline stocks are in the index and call that "enough". Aviation has a history of long periods of time where it loses money.
by badger42
Mon Mar 02, 2020 12:12 am
Forum: Non-US Investing
Topic: Rebalancing during Coronavirus crisis
Replies: 28
Views: 2446

Re: Rebalancing during Coronavirus crisis

This is a correction, not a crash. However, for new money, I use current deviations from targets (both between stock/bond/real estate, and within stock/bond categories) to decide where the $$ go. If things are sufficiently out of whack (with weekly marking to market) that I should rebalance (I keep...
by badger42
Sun Mar 01, 2020 11:11 pm
Forum: Non-US Investing
Topic: Rebalancing during Coronavirus crisis
Replies: 28
Views: 2446

Re: Rebalancing during Coronavirus crisis

This is a correction, not a crash. However, for new money, I use current deviations from targets (both between stock/bond/real estate, and within stock/bond categories) to decide where the $$ go. If things are sufficiently out of whack (with weekly marking to market) that I should rebalance (I keep ...
by badger42
Sat Jan 25, 2020 1:14 pm
Forum: Personal Consumer Issues
Topic: Global Entry [wait time for interview]
Replies: 70
Views: 4906

Re: Global Entry

Currently, this appears to be the situation. I have a renewal that has been "pending review" for 6 months. CBP also recently extended the grace period for "renewal in progress" from 6 months to 1 year, so this appears to be a systemic issue. Keep in mind that if you are traveling internationally int...
by badger42
Tue Nov 26, 2019 5:04 pm
Forum: Personal Investments
Topic: Asset allocation category for REITs and preferred stocks
Replies: 8
Views: 629

Re: Asset allocation category for REITs and preferred stocks

I'll second REITs as part of the real estate allocation.

Also, why preferred stocks? I had a broker try to sell me on them, they seem to have a worse risk/return picture than high yield bonds. (Assuming a tax sheltered account of course)
by badger42
Tue Sep 10, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Long term storage of clothes
Replies: 21
Views: 1738

Re: Long term storage of clothes

Unless we're talking some sort of irreplaceable heirloom, why bother? Donate it, write it off, and re-buy what you actually want when you want it.
by badger42
Sun Sep 08, 2019 7:30 pm
Forum: Personal Consumer Issues
Topic: no idea - bourbon
Replies: 23
Views: 3373

Re: no idea - bourbon

For culinary use, if you have a membership I would suggest Kirkland Signature. Otherwise Beam Black is a fine cooking / mixing grade bourbon.
by badger42
Thu Aug 29, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Three flexible spending rules for loner retirements (Kitces)
Replies: 9
Views: 1047

Re: Three flexible spending rules for loner retirements (Kitces)

Kitces and McClung are both great examples of how to measure with a micrometer, mark with chalk, and cut with an axe.

Rules like 4% are a great approximation for planing. The real world looks more like a lumpy version of vpw, not the backtesting reductio ad absurdum of ratcheting rules.
by badger42
Wed Aug 28, 2019 9:19 am
Forum: Personal Investments
Topic: hi yield bond fund/junk
Replies: 19
Views: 584

Re: hi yield bond fund/junk

Me? 25%. But that's with 50% in TIPS and 25% in nominal treasuries, so there is essentially no other credit risk in my bond allocation.
by badger42
Fri Aug 16, 2019 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Uber Driving
Replies: 30
Views: 2582

Re: Uber Driving

Make sure it's new enough to qualify for Uber in your market. Also UberXL can get you a pretty nice premium over UberX.
by badger42
Wed Aug 07, 2019 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 4369

Re: San Jose (CA) cost of living

One thing to keep in mind is that basically everything is way more expensive than the rest of the US - you need to look at this when you're budgeting. Also thing that are free elsewhere generally cost money - e.g. something as simple as parking at a county park costs $5-$10. A burger and fries out ...
by badger42
Wed Aug 07, 2019 9:42 am
Forum: Investing - Theory, News & General
Topic: Investing for negative interest rates
Replies: 31
Views: 2306

Re: Investing for negative interest rates

CULater wrote:
Wed Aug 07, 2019 9:29 am
I'm thinking long treasuries, gold, and real estate are looking good right now.
Differences of opinions are what makes markets work!

I'm taking profits on long TIPS and buying short TIPS. Really not a fan of gold at current prices, but am considering increasing RE investment.
by badger42
Wed Aug 07, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: San Jose (CA) cost of living
Replies: 36
Views: 4369

Re: San Jose (CA) cost of living

One thing to keep in mind is that basically everything is way more expensive than the rest of the US - you need to look at this when you're budgeting. Also thing that are free elsewhere generally cost money - e.g. something as simple as parking at a county park costs $5-$10. A burger and fries out i...
by badger42
Fri Aug 02, 2019 10:05 am
Forum: Personal Consumer Issues
Topic: 'Gas Card' for teen - best option?
Replies: 29
Views: 1597

Re: 'Gas Card' for teen - best option?

Assuming you have some flavor of Amex, you can get a credit-line-limited secondary card at age 13 or 14 for most cards. (my teen has a $500 limit amex - enough for things like gassing up or doing a quick grocery run, little enough to stay out of any real trouble)
by badger42
Thu Aug 01, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why won’t anyone hire me?
Replies: 156
Views: 16446

Re: Why won’t anyone hire me?

How are your computer skills - especially Microsoft Office? If you aren't up to speed on Outlook, Word, Excel, and Sharepoint MS Teams I fixed your resume : ) I'm retired. It was Sharepoint the last time I used it. :happy It would read even better if you put Jira and Confluence in there. (or at lea...
by badger42
Tue Jul 30, 2019 2:41 pm
Forum: Personal Consumer Issues
Topic: What's your Uber passenger rating?
Replies: 118
Views: 7548

Re: What's your Uber passenger rating?

Currently 4.83, tends to float between 4.8 and 4.85.

Last 1* was a driver who was mad that I early ended several blocks from the destination because it was faster to walk.
by badger42
Fri Jul 26, 2019 3:27 pm
Forum: Personal Consumer Issues
Topic: Long commute: how to manage?
Replies: 110
Views: 7942

Re: Long commute: how to manage?

Assuming you haven't already signed on the dotted line... is there a reason you can't move the relatives closer to you instead?
by badger42
Wed Jul 24, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8544

Re: Uber Without Smartphone

Why continue to bother your stepdaughter for rides or for ordering an Uber. She has her own things going on. She's not your driver or your secretary. Wow. Strangely enough, if one of my parents asked me for a favor, I would not consider this a bother. There's a difference between helping and enabli...
by badger42
Wed Jul 24, 2019 5:44 am
Forum: Personal Consumer Issues
Topic: Uber Without Smartphone
Replies: 103
Views: 8544

Re: Uber Without Smartphone

cheese_breath wrote:
Wed Jul 24, 2019 5:36 am
So just to make sure I understand... If I get a smart phone will I be able to contact the driver to tell him/her how to navigate through the apartment complex to find the building I'm in?
Correct. The Uber app allows you to send a text message (anonymized) or call the driver.
by badger42
Tue Jul 16, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: New Subaru Outback Engine Offering for 2020
Replies: 45
Views: 5556

Re: New Subaru Outback Engine Offering for 2020

Not only is the 2.4 Turbo the same as the motor in the Ascent, it's a close relative to the 2.0 NA motor in the Crosstrek / Impreza, and the 2.0 Turbo in the WRX, which have done pretty well so far. One thing that's missing - where is the OP driving? A turbo maintains power with altitude, a NA motor...
by badger42
Mon Jul 15, 2019 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: No A/C in Office [not a safe work environment]
Replies: 86
Views: 8995

Re: No A/C in Office [not a safe work environment]

So, assuming your boss is a semi-reasonable human: "We have some really important deadlines to hit, and the lack of A/C makes it hard to get work done due to a health condition. Would it be alright if I worked from home for a couple of days, to make sure we hit our deadlines? I'll be available via (...
by badger42
Fri Jul 12, 2019 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 4243

Re: priority of supporting parents vs saving for college

Own retirement, then kids college, then anything else.

Parents who squander can always take the couch / spare bedroom, but student loans are forever.
by badger42
Fri Jun 28, 2019 12:03 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 477
Views: 61459

Re: What lifestyle creep made you happier?

House cleaning help Paying for extra legroom on flights House cleaning help Amazon Prime, especially PrimeNow House cleaning help Amex Platinum House cleaning help A nice (US-made Titanium) bicycle How does amex platinum help? I’m curious how you use it to your advantage! Thanks The biggest advanta...
by badger42
Tue Jun 25, 2019 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Vision Insurance for ONLY (dependent) Spouse
Replies: 11
Views: 523

Re: Vision Insurance for ONLY (dependent) Spouse

Just cost out the options (including likely co-pays for exams, glasses, etc) vs just paying for the exam + glasses at your local Costco. Do whichever is cheaper.
by badger42
Wed Jun 19, 2019 5:01 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 2211

Re: Recommend toaster

MrBobcat wrote:
Wed Jun 19, 2019 3:23 pm
badger42 wrote:
Wed Jun 19, 2019 3:02 pm
Breville Smart Oven. Not only did it replace the toaster, we use it more than we use the regular oven.

It also blows the old toaster out of the water in toasting flexibility (rolls, bagels, melting cheese on things, etc)
What size did you get?
We have the "standard" smart oven - BOV800XL
by badger42
Wed Jun 19, 2019 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Which TIP would you buy?
Replies: 8
Views: 811

Re: Which TIP would you buy?

I would buy one that matures when I expect to need the money.
by badger42
Wed Jun 19, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Recommend toaster
Replies: 27
Views: 2211

Re: Recommend toaster

Breville Smart Oven. Not only did it replace the toaster, we use it more than we use the regular oven.

It also blows the old toaster out of the water in toasting flexibility (rolls, bagels, melting cheese on things, etc)
by badger42
Wed Jun 19, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy went up 166%
Replies: 34
Views: 3779

Re: Umbrella policy went up 166%

Did you add a teen driver? Have a claim? Blow out your credit score?

We're paying 1/3 that for $5m from Chubb.
by badger42
Wed Jun 19, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 7690

Re: Are you a member of nextdoor.com? Any concerns registering your info?

At least in our area, NextDoor is mostly a mix of whining about politics, kids skateboarding on the sidewalk, and reports of suspicious activity because a brown person walked through the neighborhood. Oh, and people selling really junky used stuff for excessively high prices. You can cut out the mid...
by badger42
Mon Jun 17, 2019 8:07 am
Forum: Personal Investments
Topic: $1 million Where to Park?
Replies: 19
Views: 4919

Re: $1 million Where to Park?

I would just buy treasuries maturing when you think you need the money. Off the run is fine, no need to wait for an auction. It doesn't matter if it's 9 month bill or a 10 year note with 9 months left.
by badger42
Sun Jun 16, 2019 2:03 pm
Forum: Personal Consumer Issues
Topic: car cylinder ignition coil - replace only nonfunctional one or all of them?
Replies: 22
Views: 1230

Re: car cylinder ignition coil - replace only nonfunctional one or all of them?

What we don't know is if this is a failure mode caused by something that just applies to that pack (maybe manufactured in tolerances but just barely, or deterioration that's fairly random) or common to the coil packs (time in service, etc) What I would do is: First failure -> Just replace failed uni...
by badger42
Sat Jun 15, 2019 12:00 am
Forum: Personal Consumer Issues
Topic: Durable non-stick cookware suggestions?
Replies: 30
Views: 3157

Re: Durable non-stick cookware suggestions?

For non-stick, we have really good luck with cheap-ish stainless steel commercial grade pans. Something like https://www.katom.com/080-SSFP11NS.html works really well. Seasoned cast iron is great too (definitely my favorite for searing off burgers, steaks, etc) but the non-stick is really better for...
by badger42
Mon Jun 10, 2019 1:07 pm
Forum: Personal Consumer Issues
Topic: Travel Advice driving through NYC to Long Island
Replies: 19
Views: 1721

Re: Travel Advice driving through NYC to Long Island

Assuming one human.... Delta and Jetblue do that trip for 200 bucks round trip (SYR <-> JFK) At 600mi round trip you would have to have total car expenses of under 33c/mile (versus IRS rates of 58c/mile) to break even, and that doesn't count the extra time / hassle / stress. I'm ignoring both tolls ...
by badger42
Mon Jun 10, 2019 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Costco Visa credit limit
Replies: 48
Views: 6172

Re: Costco Visa credit limit

Just get a different card. Seriously, Citi customer disservice is not worth fighting. With an income and score similar to yours, Barclays gave me a $25k limit on a World Elite MasterCard right out of the gate. Good sign up bonus too, and effectively 2% back as long as you use it for the occasional t...
by badger42
Fri Jun 07, 2019 9:03 am
Forum: Personal Consumer Issues
Topic: Toaster ovens - safe? better alternative?
Replies: 50
Views: 4529

Re: Toaster ovens - safe? better alternative?

If $$ are not a huge concern I would highly recommend whichever Breville smart oven fits in your space. We have one of the larger Smart Ovens, and it's like having a small 2nd oven - very convenient and flexible. And it toasts well too!
by badger42
Sat Jun 01, 2019 12:25 pm
Forum: Personal Consumer Issues
Topic: What to do with old unused laptops?
Replies: 17
Views: 2123

Re: What to do with old unused laptops?

If they boot, use DBAN to nuke the drive, then recycle.

If they don't boot, either put the drive in an external enclosure to wipe it, or just physically destroy it (hdd shredding service, or just take it apart and scratch up the platters) and recycle the laptops.
by badger42
Sat May 25, 2019 9:02 pm
Forum: Personal Consumer Issues
Topic: How much to tip food delivery driver
Replies: 39
Views: 3982

Re: How much to tip food delivery driver

I normally top $3-4 for curbside delivery (we mostly do UberEats and meet the driver at the curb), $5+ for the (rare) delivery to the door.

Curbside drops are always "I'm at the curb before they are" so it's hand off and go, they don't even have to get out of the car.
by badger42
Thu May 23, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite High-Yield Bond Funds?
Replies: 23
Views: 3093

Re: Your Favorite High-Yield Bond Funds?

I've been quite happy with the Vanguard high-yield fund for my high-yield allocation. It offers active management (which is good in the HY space - much less of an efficient market than, say, US large cap equities), reasonable ER (13bp for 50k or more, 23bp otherwise), and a strong track record. Note...
by badger42
Fri May 17, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4749

Re: Instant Coffee?

I drink coffee, at least once a day. I am not particularly picky (beans from Costco, ground at home, brewed in a middle of the road auto drip coffee pot, and will happily drink any 'reasonable' coffee as plain old black brewed coffee). If you live somewhere approximating civilization, please don't b...
by badger42
Fri May 17, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Synthetic oil or not for very low mileage auto?
Replies: 47
Views: 3738

Re: Synthetic oil or not for very low mileage auto?

Synthetic and chance once a year. It'll give better protection for an infrequently driven car, and the marginal cost is minimal.
by badger42
Fri May 17, 2019 7:43 am
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3847

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 10:25 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3847

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 4:05 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3847

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

A load can be thought of as a one time expense ratio that from a basic standpoint can be divided over the number of years that you would hold the contribution before rolling over to an IRA and using a lower ER fund. So 5.5% load for a contribution held for 10 years is 0.55% added onto the ER of the...
by badger42
Thu May 16, 2019 3:12 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3847

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

OK, so you have an overall tax rate of 20% for calculating tax drag. In taxable, something like VTI will give you about 2% dividend yield, which means 0.4% tax drag. Tax on gains at time of sale is 20% as well. Load is 5.75%. If we assume 0.05% expenses, total taxable tax+fee drag is 0.45%, vs 0.7% ...
by badger42
Thu May 16, 2019 1:53 pm
Forum: Personal Investments
Topic: 5.5% Load 403(b) Roth vs Low Cost Taxable Account
Replies: 81
Views: 3847

Re: 5.5% Load 403(b) Roth vs Low Cost Taxable Account

What are your capital gains / qualified dividends brackets?
by badger42
Thu May 16, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads update their 401k contributions once they are able to max?
Replies: 19
Views: 1720

Re: How do Bogleheads update their 401k contributions once they are able to max?

Contributions will automatically stop when you hit the max. If you have a match, understand whether it has a true-up. If no match, or match with true-up, you don't need to do anything. IF you have a match without a true-up, reduce as needed to make sure you only max at the end of the year and still ...