Search found 501 matches

by badger42
Tue Sep 10, 2019 9:08 am
Forum: Personal Consumer Issues
Topic: Long term storage of clothes
Replies: 21
Views: 1601

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: 3206

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: 1016

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: 555

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: 2470

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: 4113

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: 1963

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: 4113

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: 1495

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: 15867

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: 6843

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: 7444

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: 7961

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: 7961

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: 4798

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: 8463

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: 3957

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: 412
Views: 47323

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: 487

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: 2010

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: 776

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: 2010

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: 3714

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: 6483

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: 4547

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: 1110

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: 2975

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: 1625

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: 3521

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: 4085

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: 2082

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: 3886

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: 2577

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: 4434

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: 3410

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: 3780

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: 3780

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: 3780

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: 3780

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: 3780

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: 1675

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 ...
by badger42
Wed May 15, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: new renter rent to be paid by insurance company
Replies: 15
Views: 1679

Re: new renter rent to be paid by insurance company

The 1099 should be a non-issue as long as you're properly reporting your rental income - it will just reflect what they paid you.
by badger42
Tue May 14, 2019 9:28 am
Forum: Personal Investments
Topic: 10b5(1) basis methods
Replies: 0
Views: 237

10b5(1) basis methods

So, I have an interesting decision to make - for (reasons redacted) there is some chance I will need to enter into a rule 10b5(1) trading plan with my current employer. I expect a fair bit of volatility in the stock, and am attempting to (ahead of time) do something approximating tax optimization an...
by badger42
Mon May 13, 2019 10:43 am
Forum: Investing - Theory, News & General
Topic: 100% stocks with 3% SWR with 60 years retirement period
Replies: 40
Views: 4005

Re: 100% stocks with 3% SWR with 60 years retirement period

The thing about blindly extending a simulation is that we have to remember 60 years is a REALLY long time. 60 years ago was 1959. The world was VERY different in 1959 (and not just because my parents were little kids). The global economy was still being rebuilt after World War II, computers were not...
by badger42
Tue May 07, 2019 10:15 pm
Forum: Personal Consumer Issues
Topic: New smartphone recommendations
Replies: 20
Views: 2121

Re: New smartphone recommendations

No problems at all with unlocked Pixel or Motorola phones. The new Pixel 3a looks like a really solid mid-range offering. (Also, typing this on an unlocked Pixel 3XL on T-Mobile)
by badger42
Tue Apr 30, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 10558

Re: Brokerage income source may surprise you

I invest at Schwab and keep a zero balance in the settlement account. Why would anybody keep money in a settlement account? I also invest at Vanguard, and keep a zero balance in their settlement account, too. I keep 7-12k of slush in the settlement account. I'd rather not have to sell something for...
by badger42
Tue Apr 30, 2019 11:34 am
Forum: Investing - Theory, News & General
Topic: WSJ--How Schwab Ate Wall Street
Replies: 82
Views: 10558

Re: WSJ--How Schwab Ate Wall Street

The timing of this is interesting. We've had a bucket of Schwab accounts (joint, checking, his IRA, her IRA, etc) for a long time. Schwab has been great in terms of offerings, services, costs, etc. (we also have assets with Fidelity and Vanguard, mostly due to employer plans) Also a disclaimer - our...
by badger42
Mon Apr 29, 2019 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?
Replies: 25
Views: 2318

Re: making the leap to online only banking-- updated reviews on Fidelity CMA or Schwab High Yield?

We've been banking with Schwab for many years, no complaints. Customer Service is fine, ATM fee reimbursement works perfectly, and depositing cash is a non-issue for us (in the unlikely event we have too much cash we'll just use it for the next household Costco run) We also have local Schwab offices...
by badger42
Mon Apr 29, 2019 11:38 am
Forum: Investing - Theory, News & General
Topic: Thoughts on this Forbes article? "Why Most Index Funds And ETFs Are Not Good Investments"
Replies: 76
Views: 11226

Re: The counterargument [Index investing is not a good strategy for most]

There are places index investing works great. There are places where index investing really isn't optimal. For example, let's look at bonds. One extreme: An active manager adds basically zero value to a short term treasury bond fund. You're better off paying less for an algorithm. Everything in your...
by badger42
Mon Apr 29, 2019 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Do insurance cos need SS number to quote auto & home?
Replies: 10
Views: 888

Re: Do insurance cos need SS number to quote auto & home?

Called 2 insurance companies to get quotes for home owners & auto insurance. Both companies want my social security number so they can "pull reports". They both said that I should not worry, that the process is "safe". But I am very wary of handing out my SS #. I declined to give them the number an...