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  1. Htown Harry

    Minimizing taxes on high wage income

    Although I'm not medical professional, I've followed the White Coat Investor web site for quite a while. The high-earner investment and spending principles the author follows are solid, and there is quite a bit of industry-specific discussion that might apply to your daughter...
  2. Htown Harry

    Non-cash prizes you have won

    Free trip for two to NYC in 2001 for winning 1 million points in Disney World's version of the "Who Wants To Be a Millionaire?" quiz show. It also came with a pile of kitschy pins and clothing. (Winning question: Who won the 2001 Women's Open in golf? Karrie Webb.) On wikipedia...
  3. Htown Harry

    Help with a trip to the southwest

    I'm ready to take a trip, to travel, to be stimulated by new sights and each day's events. Especially now, after a year+ in near-solitary confinement. A "vacation" in a cushy, all-inclusive hotel sitting a pool under a palm tree can be wonderful, but it isn't what I need. At least not at this...
  4. Htown Harry

    Help with a trip to the southwest

    I have been to TX, California, Colorado and NM many times, starting in childhood. But had not been to Grand Canyon or many of places listed until just the past few years. Now I have been out west to AZ, NV and UT five times in five years, all on driving trips. I can't get enough of it. Two...
  5. Htown Harry

    Favorite songs from the last decade

    Four 2010's songs I like below. +1 on the reaction videos. My favorite for variety, humor and smart commentary from a listening perspective very different than my own is Lost in Vegas. I have also watched quite a few of the reaction channels featuring the youngsters reacting to songs from the...
  6. Htown Harry

    Garage shelving units - Recommendations

    Lateral file cabinets are a decent option and measure out close to your desired dimensions. Bonus: they have doors to cover up the clutter and keep the dust away, as well as the ability to pull out the drawer to get a better look at what's on the back of the shelf. And they are cheap if you can...
  7. Htown Harry

    Born in 1960? Expect a Big Social Security Cut

    Here is a financial blog post that I found helpful in understanding the math: https://financialducksinarow.com/14070/babies-from-1960-2020-is-a-year-youll-never-forget/
  8. Htown Harry

    The "fog of work"

    Nords, apparently the board's Subscribe to Thread function is equally evergreen. I received an e-mail despite making just one post in the last two years. Why so quiet? Well, "the fog of work". Life has been very busy - but fulfilling - for this engineer working in Houston on Hurricane Harvey...
  9. Htown Harry

    Leaving Long Island for Texas

    Sounds like you are doing quite well, MBA. Here's how I would tackle it. Calculate your year-by-year cash flow and net worth over the next five years. Optimize for the maximum net worth in year 5. The expenses can be at a high level, maybe 10 categories. These would include your required...
  10. Htown Harry

    Geriatric financial management & asset allocations

    Deepest sympathies, Nords.
  11. Htown Harry

    Baseball 2017

    :dance:Wow.
  12. Htown Harry

    Dementia Test?

    Are you referring to the posters or their anecdotes? ;)
  13. Htown Harry

    I'm done with Quicken! - What else?

    I don't forecast cash flow in that way, so if PC has those features I'm not using them. If you register your credit cards, spending against those credit cards shows up as individual transactions as they are posted in the card account. Those transactions are rolled together to show a liability...
  14. Htown Harry

    I'm done with Quicken! - What else?

    What do you mean about entering future withdrawals and deposits? Are you wanting to forecast, or are you merely saying that you want to have transactions entered / downloaded as they occur? FWIW, I use Personal Capital for tracking spending, registering only my checking account and credit...
  15. Htown Harry

    First graph I have seen in a long time that makes me want to sell stocks

    Just curious...anybody know how much the CAPE-10 ratio will drop over the next two years as the 2008 corporate losses fall out of the calculation? More importantly, is that coming drop relevant to those who follow CAPE as an indicator? One could make the case that a bad 2008 earnings year...
  16. Htown Harry

    NFL: 2016 Season

    The Onion got it right with their Pats-Texans analysis earlier this week: Patriots Not Allowing Football Game Against Texans To Become Distraction - The Onion - America's Finest News Source
  17. Htown Harry

    Spontaneous travel

    I thought of this thread when I saw this offer. Tonight I will dream of being free to travel on Tuesdays and Wednesdays for a week-long vacation...or two weeks...or three weeks https://www.flyfrontier.com/ways-to-save/sales/promo-codes 50% OFF YOUR NEXT FLIGHT Buy by: 9/2/16 Fly: 9/13 -...
  18. Htown Harry

    Irrational frugality

    Lightweights...the truly frugal walk to the gas station carrying a red gas can in each hand. ;)
  19. Htown Harry

    Looking for advice on boat problem

    +1. Grabbing a bolt rather than a screw on the assembly line would be a likely scenario. You should be able to find a stainless screw of similar size at most any hardware store. Here's a link to a range of fix possibilities for the stripped-out hole: Stripped Screw Repair in Wood Applications |...
  20. Htown Harry

    Are Early Claimers Making a Mistake?

    I find it interesting that statistical studies like this rarely mention smoking history as a consideration in estimating life expectancy and break-even claiming analyses. CDC says between 15 and 20% of US adults are smokers and that smoking reduces life expectancy by 10 years or more. Those are...
  21. Htown Harry

    Anyone have a positive experience leasing a car?

    If I post a cheap fix or a workaround for getting the key out during the summer will you be mad at me for taking away your dream of a new leased car? This post has pictures of the workaround (which seems typical for GM cars, at least): Car Hack – Key Stuck in Ignition: Pontiac Aztek | The News...
  22. Htown Harry

    Anyone have a positive experience leasing a car?

    duplicate deleted...
  23. Htown Harry

    State of Israel Bonds

    Fair points, medved. I agree credit risk vs. yield is the key for buy-and-hold individual bond purchases. Speaking for myself, I would diversify across multiple countries and maturities if I chose to invest directly in international bonds. But I won't be, because I know my limitations. My...
  24. Htown Harry

    State of Israel Bonds

    I assume there are multiple mutual funds specializing in emerging market government bonds, many limited to dollar-denominated bonds and / or currency hedging. Israel is not the only EM country paying higher-that-U.S. rates on their sovereign debt. What is a persuasive argument for...
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