Search found 1210 matches

by Shallowpockets
Thu Mar 28, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Decent hiking/trekking clothing?
Replies: 50
Views: 2004

Re: Decent hiking/trekking clothing?

I'm going to Peru in a month and the plan is to do Salkantay Trek (5 days / 60 miles). usually I do a minor (2-3 hours) hiking at summer time so I don't really have any 'special' clothes for that. I visited a REI store this morning and WOW - the proper clothing easily sums up to $1000+! Any ideas o...
by Shallowpockets
Thu Mar 28, 2019 7:39 am
Forum: Personal Investments
Topic: Debating renting our house after we move (also, financial assessment?)
Replies: 14
Views: 889

Re: Debating renting our house after we move (also, financial assessment?)

Someone posted the stats on selling and you would clear $192K. So it is simple. You would have cash flow of $125 month on the rental. To me that is nothing. You could invest the $192k and be have a better financial position, not to mention all the headaches of being a landlord would entail. $125 mon...
by Shallowpockets
Tue Mar 26, 2019 5:35 pm
Forum: Personal Consumer Issues
Topic: African Safari: Worth it or Hype?
Replies: 83
Views: 11575

Re: African Safari: Worth it or Hype?

Old thread, but having just got back from seeing mountain gorillas and other animals in (amazing) Uganda, my $0.05: Consider spending beyond your means. Live it up on what may be a once in a lifetime trip. I went the cheapskate route and quickly regretted it. Can you elaborate on this? What cheapsk...
by Shallowpockets
Tue Mar 26, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Bookshelf Speakers
Replies: 7
Views: 639

Re: Bookshelf Speakers

$180 is not inexpensive. To me.
by Shallowpockets
Mon Mar 25, 2019 4:25 pm
Forum: Personal Consumer Issues
Topic: Types of vinyl flooring (peel and stick?)
Replies: 6
Views: 524

Re: Types of vinyl flooring (peel and stick?)

Transitions, carpet to flooring is avalable. Take off your baseboards so you can run the flooring under and room for expansion. Baseboards should be easy to remove. And, what I do is use a hot glue gun and glue them back in place. Baseboards are not structural. A few dabs here and there on the back ...
by Shallowpockets
Sat Mar 23, 2019 4:47 pm
Forum: Personal Investments
Topic: Etrade rollovers and etrade ETFs
Replies: 11
Views: 483

Re: Etrade rollovers and etrade ETFs

I am in Etrade and on the ETFs -- SPY and VTI. I am not concerned with trading cost. It is $4.95 a trade.
by Shallowpockets
Sat Mar 23, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do the wife and I have house fever? Want to buy 550k home
Replies: 30
Views: 3271

Re: Do the wife and I have house fever? Want to buy 550k home

Another perspective, I live in San Diego, CA. 30 mins one way commute is NORMAL. Literally, everyone you know will have 20-30 mins commute anywhere in metro CA. 550-600k house with 140k income is also quite NORMAL. Your rent probably about the same as your mortgage. I'm guessing your PITI will be s...
by Shallowpockets
Sat Mar 23, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5295

Re: Do you still wear a necktie to work?

As someone noted, ties restrict blood flow and oxygen to the brain. You can see this easily. Look at politicians. Look at our leaders. There you have it. Proof. Oh! So, ties are why politicians who aren't males are so much smarter? :twisted: That's quite a leap there. I did not infer anything of th...
by Shallowpockets
Sat Mar 23, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Do you still wear a necktie to work?
Replies: 108
Views: 5295

Re: Do you still wear a necktie to work?

As someone noted, ties restrict blood flow and oxygen to the brain. You can see this easily. Look at politicians. Look at our leaders.
There you have it.
Proof.
by Shallowpockets
Sat Mar 23, 2019 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Need Foreign Currency
Replies: 25
Views: 1331

Re: Need Foreign Currency

The easiest most efficient way is to use an ATM at the airport when you arrive. Dollars to exchange, travelers checks, buying foreign currency in USA is not efficient nor do you get better rates. All major foreign banks have basically the same exchange rates. Use a card with no transaction fees and ...
by Shallowpockets
Sat Mar 23, 2019 6:07 am
Forum: Personal Consumer Issues
Topic: Anybody tempted by the new iPads?
Replies: 37
Views: 3193

Re: Anybody tempted by the new iPads?

Correction on my previous post. Looks like the new mini at Costco is $384.
I see I can get a trade in value of $76 on my present mini 2 bought in 2013. However, that is not tempting enough to trade it.
by Shallowpockets
Sat Mar 23, 2019 5:28 am
Forum: Personal Consumer Issues
Topic: Anybody tempted by the new iPads?
Replies: 37
Views: 3193

Re: Anybody tempted by the new iPads?

I must admit, I am tempted. I have an iPad 2. Still on older OS. Not enough storage to update. Then again, do I need it? My iPad now is my go to device for all. I do use my computer, but the iPad is right there and so portable. I take it on all my travels. So I would day that I get a lot of use out ...
by Shallowpockets
Thu Mar 21, 2019 11:18 am
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 9103

Re: Paris - Is It Safe?

Well. I am in Paris now. Have not noticed or had any problems. This whole discussion thread seems like it is full of people I would rather not talk to at a cocktail party. Lots of myopic views, both sides. People are either haranguing Americans for not learning French, or lambasting the French for t...
by Shallowpockets
Wed Mar 20, 2019 1:28 am
Forum: Personal Consumer Issues
Topic: New carry-on policy at United Airlines?
Replies: 47
Views: 3671

Re: New carry-on policy at United Airlines?

I am looking forward to the day when no carry ons are allowed, only the backpack/personal bag. It will facilitate boarding and disembarking. As far as the wait, tell your boss to expect that may happen. Plan for it.
If airlines were smart, they would charge more for a carry on then for a checked nag.
by Shallowpockets
Sun Mar 17, 2019 2:21 pm
Forum: Personal Consumer Issues
Topic: Paris - Is It Safe?
Replies: 143
Views: 9103

Re: Paris - Is It Safe?

I heard it was every Saturday. And how obvious are yellow vests. At any rate I will be in Paris tomorrow night and if this thread continues I will update later. I will try and fit in as someone said. I am practicing not standing like an American. Plus I am wearing a beret and smoking a cigarette in ...
by Shallowpockets
Wed Mar 13, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Vacation Planning w/o Foreign Language Knowledge
Replies: 15
Views: 758

Re: Vacation Planning w/o Foreign Language Knowledge

There is an app for that, language. Use as needed. Simple. I travel a lot and learning languages is not necessary. Use the app to learn basic greetings and courtesy. Someday you may go to SE Asia or Eastern or North Europe. Are you going to learn Thai, Cambodian, Vietnamese, and Laotion? Are you goi...
by Shallowpockets
Wed Mar 13, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Vacation Home: Own vs. Rent??
Replies: 42
Views: 3683

Re: Vacation Home: Own vs. Rent??

When I was young none of my dreams were like that. Not like that now either.
by Shallowpockets
Tue Mar 12, 2019 4:52 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13830

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

OP. You are way to concerned about safety of your valuables. If you wear a travel vest you will certainly look,like a target to pickpockets. Same with zip off pants. OK, sometimes in the third world you may get away with it, but most pickpocket situations are not in the third world. There are more p...
by Shallowpockets
Tue Mar 12, 2019 1:04 pm
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13830

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

From Costco. Eddie Bauer adventure travel pants. $21.99 free delivery. My best pants for travel yet Two way stretch. Neutral colors. Water resistant. Fit like jeans. No cargo pockets, so not so obvious as travel pants. I like them a lot. Wearing them now on the ferry from Gozo. Got two more weeks to...
by Shallowpockets
Sun Mar 10, 2019 10:40 am
Forum: Personal Consumer Issues
Topic: 6 day Tallinn/Riga/Latvia - where to spend time?
Replies: 14
Views: 975

Re: 6 day Tallinn/Riga/Latvia - where to spend time?

I vote for Tallinn and Riga. I have been to both. Split the time evenly between them. Look up free walking tours both places. I have done them and they are very interesting. You will learn a lot. Since you mentioned architecture, one of those tours was guided by a young student of architecture and h...
by Shallowpockets
Sun Mar 10, 2019 10:10 am
Forum: Personal Investments
Topic: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees
Replies: 18
Views: 1101

Re: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees

A quick search for short term trading fees on ETFs turned up nothing more than I posted above. Fidelity has many no commision ETFs. When you call them phrase your question correctly. "If I buy an ETF and then sell it in a week, what are my trading costs?" I don't see how they cannot answer that for...
by Shallowpockets
Sun Mar 10, 2019 8:01 am
Forum: Personal Consumer Issues
Topic: Home answering machine that only kicks in after many rings?
Replies: 56
Views: 1919

Re: Home answering machine that only kicks in after many rings?

Not being able to get to the phone and answer could be a godsend to your parents. Most of my calls are robo calls. Scammers. Best if your parents were not exposed to that. Then your problem could be much much worse. So, they miss calls. They can call back.
by Shallowpockets
Sat Mar 09, 2019 3:09 pm
Forum: Investing - Theory, News & General
Topic: Year's worth of earnings in two months?
Replies: 69
Views: 7073

Re: Year's worth of earnings in two months?

With the market down as it was in Dec there was a massive outflow from funds. It may have been more than in 2008. Unless these people stay out forever, there will be buying back in in the future. This would be a boost to the market. So staying in is good. OP sold with the 10% increase and I agree th...
by Shallowpockets
Sat Mar 09, 2019 12:13 pm
Forum: Personal Investments
Topic: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees
Replies: 18
Views: 1101

Re: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees

A quick search for short term trading fees on ETFs turned up nothing more than I posted above. Fidelity has many no commision ETFs. When you call them phrase your question correctly. "If I buy an ETF and then sell it in a week, what are my trading costs?" I don't see how they cannot answer that for ...
by Shallowpockets
Sat Mar 09, 2019 12:04 pm
Forum: Personal Investments
Topic: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees
Replies: 18
Views: 1101

Re: Thinking of switching taxable acct to Fidelity but confused about short term redemption/trading fees

Never heard of a short term extra trading fee on an ETF. I use Etrade. Your SPTM is an ETF. You can trade in and out with only the trade fee on each end. The fee for in and out are the same for long term and short term. Some mutual funds have a short term fee usually 60-90 after purchase. This disco...
by Shallowpockets
Sat Mar 09, 2019 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Airline travel and economy: pay $$ to pick seats
Replies: 116
Views: 7610

Re: Airline travel and economy: pay $$ to pick seats

My family recently flew on a short Delta flight (with a connection) from the northeast to Florida, with 2 adults and 2 young seated children (5 and 1.5). I have traveled extensively in the past, but not much on Delta, and I ignored the warnings about you-can't-choose-your-seats class of tickets whe...
by Shallowpockets
Sat Mar 09, 2019 8:22 am
Forum: Personal Consumer Issues
Topic: My lamp exploded - can I re-wire it so that it will work with different voltages?
Replies: 49
Views: 2599

Re: My lamp exploded - can I re-wire it so that it will work with different voltages?

Simple search on Amazon shows many voltage converters meant for foreign countries. Just plug into the 220 wall outlet. This way your lamp ca travel back to the U.S. and anywhere in the world.
by Shallowpockets
Fri Mar 08, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 7559

Re: attacked by off-leash dog

OP still has not responded about the extent of this "attack".
What's with that.
Moderators should close this thread in light of that.
by Shallowpockets
Fri Mar 08, 2019 7:44 am
Forum: Personal Finance (Not Investing)
Topic: Are my parents' finances a disaster waiting to happen? Seeking advice.
Replies: 105
Views: 10961

Re: Are my parents' finances a disaster waiting to happen? Seeking advice.

We should all be in the same boat as your parents. 100k+ a year coming in without investments. Wow! I could live with that. Seems they made it this far, 70s, 80s okay. In anyone's life you can always wonder about LTC. Doesn't matter what age. Sometimes you have to let go of that scenario. Just to be...
by Shallowpockets
Thu Mar 07, 2019 11:36 am
Forum: Personal Investments
Topic: Lots of cash .. Scared to put it to work now
Replies: 207
Views: 18188

Re: Lots of cash .. Scared to put it to work now

This thread goes on and on. At every turn OP finds a reason to contest. Now maybe real estate investing with relative. Really doesn't know what or when to do anything with the money. Realize that not making a choice is still a choice. The market it down today about 1% on thhe S and P. Start the DCA ...
by Shallowpockets
Wed Mar 06, 2019 5:17 pm
Forum: Personal Investments
Topic: How limit orders to sell are filled
Replies: 12
Views: 860

Re: How limit orders to sell are filled

I would never set a price before opening. You need to see how the market goes. Never place a market order either. These are basics.
by Shallowpockets
Wed Mar 06, 2019 12:40 pm
Forum: Personal Investments
Topic: Fees, taxes, or other issues with selling after a short time frame
Replies: 4
Views: 364

Re: Fees, taxes, or other issues with selling after a short time frame

Short term capitol gains taxes. Long term more than a year holding. Another transaction fee of $5.
by Shallowpockets
Wed Mar 06, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Global Entry Application turnaround times?
Replies: 35
Views: 3662

Re: Global Entry Application turnaround times?

What is the interview? What do they want? What do they ask?
by Shallowpockets
Tue Mar 05, 2019 3:30 pm
Forum: Personal Investments
Topic: How limit orders to sell are filled
Replies: 12
Views: 860

Re: How limit orders to sell are filled

It might be helpful to know this, but in reality, when you place a limit order you have already decided that that price is what you want to sell the stock. On a rising price, as it rises, it could reach your limit price and be executed and then keep on going. I have seen it do so. I have sold at tha...
by Shallowpockets
Tue Mar 05, 2019 2:37 pm
Forum: Personal Investments
Topic: Need to park about 1,000,000 for 7-8 months
Replies: 77
Views: 8790

Re: Need to park about 1,000,000 for 7-8 months

One wonders where the money is now? Is it not parked somewhere at present?
by Shallowpockets
Tue Mar 05, 2019 2:07 pm
Forum: Investing - Theory, News & General
Topic: Before and after the crash
Replies: 50
Views: 3138

Re: Before and after the crash

I do not think that the 1929 crash is relevant at all to today's market. So much has changed. Exactly how many people do you think were even in the stock market in the 1920s as compared to today. However, that crash did impact the entire country. So one can see that a small amount of people in the m...
by Shallowpockets
Mon Mar 04, 2019 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Can We afford second home ?
Replies: 16
Views: 2361

Re: Can We afford second home ?

Well, the previous post said it all.
And to echo the other posters, sell the house. So much simpler. Don't get copaught up in FOMO. Fear of missing out on some sort of pie in the sky that the rental will pay for the house and it is a good investment.
by Shallowpockets
Mon Mar 04, 2019 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Value of Vacation Experiences with Big Fam & Young Kids
Replies: 75
Views: 4497

Re: Value of Vacation Experiences with Big Fam & Young Kids

When we were young our parents took us to the beach and to the parks. We had picnics. All this within less than 50 miles. Sometimes to a local amusement park. That was it. We survived fine. Had a lot of fun. At the ages of your kids it will be much better to go local. Then you can bring all your stu...
by Shallowpockets
Sun Mar 03, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 11096

Re: Men & Women: What do you pack for travel inside 1 carry-on luggage only??

Your 40L day pack is way too large. That is a big as my Rick Steves pack that I use for overall travel. Plus your 25 # carry on is too heavy. Try for under 20#. In reality your 40L should be your main bag. Maybe a smaller pack for around town and city for cameras, umbrella, etc. You will learn as yo...
by Shallowpockets
Sat Mar 02, 2019 2:41 pm
Forum: Personal Investments
Topic: Need to divorce raymond james
Replies: 26
Views: 3198

Re: Need to divorce raymond james

Despite the relationship you have with the advisor, remember it is business. For her it is. For you it should be also. They may spin it and try to keep you, but it is business. You only have to be harder than usual,this one time and get it done. It will pass. As your assets increase with them, so wi...
by Shallowpockets
Fri Mar 01, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Men & Women: What do you pack for travel inside 1 carry-on luggage only??
Replies: 169
Views: 11096

Re: What do you pack for international vacation travel??

Look on YouTube. There are many videos on this very subject.
by Shallowpockets
Fri Mar 01, 2019 1:45 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8432

Re: Priority boarding - Why?

Wheelchair abuse very common. SW flight. About 20 wheelchairs lined up, SW gate person gets on P.A. Announces that anyone boarding in a wheelchair will wait until passengers get off and then they get off in a wheelchair. 14 people get up out of the line of wheelchairs and take other seats in what ar...
by Shallowpockets
Fri Mar 01, 2019 10:06 am
Forum: Personal Investments
Topic: Lesson learned about stock picking
Replies: 5
Views: 455

Re: Lesson learned about stock picking

Plus, you were greedy. Your pick of a pharma company was a poor choice. Lots of volatility in pharma. You were looking to score a big win. This is not even stock picking, it is the lottery. What is the motive when people pick stocks? Short term, long term? You have to have a plan. What are the numbe...
by Shallowpockets
Fri Mar 01, 2019 8:43 am
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8432

Re: Priority boarding - Why?

I wish they would do away entirely with carry on luggage and give every one free bag check. It is a mess with both boarding and off-boarding taking enormous amount of time and the bags can be dangerous when they are humongous and heavy. Amen on this. +1-2-3 This is you whole solution. No carry on b...
by Shallowpockets
Thu Feb 28, 2019 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Flipping
Replies: 18
Views: 1792

Re: Flipping

Flipping. Hmmm. Sounds a little like day trading, or short term trading. I must admit I do a little of that. But it is much less work. Flipping, buying merchandise and reselling. Sounds like flea market stuff on the Internet. In the old days you could have stuffed envelopes. All of it seems like a l...
by Shallowpockets
Thu Feb 28, 2019 8:33 am
Forum: Personal Consumer Issues
Topic: Going to "cash-only" restaurants?
Replies: 109
Views: 4507

Re: Going to "cash-only" restaurants?

Now, if we could only get a tipless restaurant.
by Shallowpockets
Thu Feb 28, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: What vacation travel "extras" do you find worthwhile? (and why?)
Replies: 43
Views: 4680

Re: What vacation travel "extras" do you find worthwhile? (and why?)

I am trying to loosen up the purse strings when I travel. Hard to do as once I was way down on the travel totem pole. One of my compromises is to fly that ugly economy and then book a nice hotel at the first night or two of arrival. Way less than the cost of business. For this economy/business diffe...
by Shallowpockets
Wed Feb 27, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14916

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

I am not sure the OP wanted to spend 120k+ or he was trying not to. The example of travel came up as an expense. If OP wants and can spend beyond 120k he can go the route of those who spend quite a bit on travel. I wanted to give an example that showed it was not necessary to spend to that level. An...
by Shallowpockets
Wed Feb 27, 2019 11:26 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14916

Re: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?

44k annual expenses. About 2.6mm assets. Could do 120k a year. Scratching my heading wondering why? See, it is a choice. Most people continue with the expenses and lifestyle they are accustomed to before retirement. A blessing if you have the assets. Maybe not so much otherwise. The retirement nut d...
by Shallowpockets
Wed Feb 27, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: If you currently or are planning to spend over $120k/year in retirement, what is your projected budget?
Replies: 196
Views: 14916

Re: If you are currently or planning to spend over $120k/year in retirement, what is your projected budget?

If we had the assets to spend $120k+ we probably would. Travel, eating out, vacation home, nice cars. It all adds up. As it is, our housing, car, and eating out costs are all low, but we’re spending $30k on a single trip this year. And it’s not our only trip. I don’t know that we could spend $200k,...