Recent content by Tortoise

  1. Tortoise

    Basic Investing Book?

    Bogleheads I strongly recommend "The Bogleheads' Guide to Investing," and "The Bogleheads' Guide to Retirement Planning," as well as the bogleheads.org online wiki https://www.bogleheads.org/wiki/Main_Page
  2. Tortoise

    Where have you lived?

    I like living near the coast. Los Angeles, CA Saratoga, CA Monterey, CA Fort Meade, MD Santa Barbara, CA Redwood City, CA Sunnyvale, CA Brookdale, CA San Jose, CA
  3. Tortoise

    I bonds

    You can convert your paper i-bonds to electronic bonds in TreasuryDirect. This would then allow the partial withdrawals already discussed. Individual - Convert Your Paper Savings Bonds Using SmartExchange
  4. Tortoise

    Passive Investing "Worse Than Marxism"

    From John C. Bogle Founder and Former Chairman, The Vanguard Group to the Washington State University Pullman, Washington April 13, 2004 https://personal.vanguard.com/bogle_site/sp20040413.html Our introduction of First Index Investment Trust was greeted by the investment community with...
  5. Tortoise

    How much water do you drink?

    2 liters per day.
  6. Tortoise

    How do you backup your PC?

    I do a system image backup to a thumb drive when computers are first set up. The thumb drives go into their own folder in a file cabinet. I then use an rsync script to back up user directories and files to an in-house backup server every day. (Rsync for Windows is obtained through minimal...
  7. Tortoise

    Not Another Scam Call Thread!

    Scammer (typically with a strong Indian accent): I am calling from Microsoft Technical Support, and we have determined that your computer is sending out bad messages on the Internet. Are you at your computer? Me: No. Wait while I go to my computer... OK, I am at my computer. Scammer: What do you...
  8. Tortoise

    Where to invest $220K today

    i would DCA into whatever part of my portfolio is currently underweight. We don't have a big lump sum, like $200k in cash, but we do have extra cash after paying expenses every month that we transfer into the underweighted portion of our portfolio. With the run up that stocks have had, we are...
  9. Tortoise

    what to invest with 10k

    Hitting a home run in the stock market with fun money in the short term is certainly possible, but striking out is more probable. This kind of investing is called gambling. I'd rather use my fun money to go to Las Vegas, do some sightseeing, see some shows, and gamble.
  10. Tortoise

    Mistakes you've made but can now laugh about...

    Dirt bike trip in Baja California plus margaritas at a rest stop. I ended up being "The shapeless heap on the curb." Baja 1999 | All-OffRoad.com
  11. Tortoise

    what did you do today? (2008-2015) (closed)

    Family was going to go to Red Robin's for dinner where I was planning to get a free double burger and endless fries (free for veterans on Veteran's Day). We didn't go because DS has an oral test in high-school Spanish tomorrow that he is not ready for. He was supposedly studying all day at home...
  12. Tortoise

    Those with paid off houses, how much basic maintenance cost ?

    1360 sq. ft. house w/ 2-car attached garage on 6,000 sq. ft. lot in California. California has a 2% annual cap on property tax increases. Latest county appraisal says our house and property are worth $459k. Annual Property tax: $6,107 Annual Insurance: $850
  13. Tortoise

    What discontinued products do you miss?

    Fizzies! Drop one in a glass of water and you had instant soda pop.
  14. Tortoise

    Retiring to Salton City, any advice?

    The Salton Sea's water has gotten more brackish over the years. From Wikipedia, "Throughout the 1980s and 1990s, as salinity and suspected pollution levels in the Salton Sea increased, the attraction of the Salton Sea as a recreational destination diminished.[8] Most of the original tourist...
  15. Tortoise

    Stage 4 lung cancer

    I'm very sorry to hear about your MIL. When I first noticed a large lump growing on my chest, I went to my primary care physician (PCP) who said it was a harmless lipoma. Six months later the lump had grown and I hurt all over. I went back to my PCP and insisted that they take an x-ray. The...
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