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So, are there any appealing commodity funds/etfs?

Since people are treating oil prices like they're in a free fall, I feel it's a good time to wake from my hibernation of thinking about commodity funds, which I haven't even thought about in the last couple of years (and have never purchased). Are there any good commodity funds, or etf's or other in...
by Easy Rhino
Fri Dec 12, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: So, are there any appealing commodity funds/etfs?
Replies: 3
Views: 613

Re: Has anyone used a West Elm card?

well there's the fundamental limitation where the bonus bucks can expire in a short time, and also have their "must be used in one transaction" limitation.
by Easy Rhino
Wed Dec 10, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used a West Elm card?
Replies: 3
Views: 645

Re: Has anyone used a West Elm card?

it seems like the problem is not the credit card, it's the design dollars program itself. Which looks pretty crappy.
by Easy Rhino
Wed Dec 10, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Has anyone used a West Elm card?
Replies: 3
Views: 645

Re: Virus Protection

I've alternated between AVG free and Microsoft Defender.
by Easy Rhino
Wed Dec 10, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Virus Protection
Replies: 11
Views: 931

Re: How long do grilles last?

man, last year, the first time I used my then-new #300 propane grill, I ended up with the entire hood engulfed in flames from the burned meat. there's still an awesome scorch mark on it.

I don't think I'm going to get 10 years out of it.
by Easy Rhino
Tue Dec 09, 2014 5:35 pm
 
Forum: Personal Consumer Issues
Topic: How long do grilles last?
Replies: 26
Views: 2457

Re: Holiday Tipping

We just paid our housekeeper double her usual amount on her most recent biweekly visit.

anyone tip a newspaper deliverer?

Our deliverer (who I've never actually caught in person), included a self-addressed holiday card in my newspaper so I could presumably send her a tip.
by Easy Rhino
Tue Dec 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Holiday Tipping
Replies: 13
Views: 1469

Re: Suspicious House Odor

have a wet dry vac? Vaccuum the water out of the u-trap in the shower to get full unblocked sewer smell, then see if that's a stronger version of what you're already smelling.

... then put water back in there to re-trap it please.
by Easy Rhino
Tue Dec 09, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Suspicious House Odor
Replies: 21
Views: 2462

Re: Have you ever been let go?

the small company i was working for went of business when I was in my mid 20's. Was actually unemployed for over a year, fortunately I had cash savings and few responsibilities at the time.
by Easy Rhino
Tue Dec 09, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5451

Re: Harvey paper says re-balancing adds risk

so to truly reduce risk, only rebalance on the way up and not on the way down?
by Easy Rhino
Tue Dec 09, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 72
Views: 4348

Re: Who Paid for the wedding?

I believe the Ms. Manners/Martha Stewart method has very specific rules. Bridges family pays for reception, Groom's for rehearsal dinner. Other things I don't remember and are outdated anyway. When we got married my (the groom's) parents gave us cash for most of the wedding. The bride's gave us cash...
by Easy Rhino
Mon Dec 08, 2014 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Who Paid for the wedding?
Replies: 94
Views: 6488

Re: Most Hated Brokerage Firm? [or one that you love]

No personal hatred of any brokerage. I'm surprised Edward Jones hasn't gotten more hate though. I have positive feelings (but not as far as love) for Charles Schwab and Fidelity. Even though most of my investments are over at Wells Fargo. I did have two somewhat remarkable, to me, interactions with ...
by Easy Rhino
Fri Dec 05, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 10997

Re: Any regrets going from iOS to Android phone?

I have a personal Android (MotoX) but a work Iphone (5s) I like the android more for most things, but Facetime is substantially superior for video chat than Google Hangouts, and most of my relatives have iphones. And there's the occassional app (usually a game) that's only available for one or the o...
by Easy Rhino
Fri Dec 05, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3366

Re: Where do you shop for groceries?

Mostly at the local Albertson's or Vons (safeway) because they're so close.

But a lot is bought at costco, and a lot is bought as a few Japanese and Korean markets because my wife and daughter love the teeny tiny cookies.
by Easy Rhino
Fri Dec 05, 2014 4:58 pm
 
Forum: Personal Consumer Issues
Topic: Where do you shop for groceries?
Replies: 82
Views: 5882

Re: Long-Lasting Incandescents + LED Question

However, at current prices of pigtails vs LEDs (~$2 vs ~$20), the LED will never pay for itself. The problem is that the LEDs are really not significantly more efficient than the pigtails (18w vs 23w). To even get to a reasonable 10 year breakeven point, the LEDs will have to be priced at about hal...
by Easy Rhino
Fri Dec 05, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4858

Re: Fly or drive [with a newborn]?

to be honest we were scared to travel with our daughter via either method until she was about 1.5 years old (and then we flew and still had to rent a car for a 5 hours drive... it was long). With airplanes, you get the faster travel time, and the lack of having to actively *do* anything to handle th...
by Easy Rhino
Fri Dec 05, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Fly or drive [with a newborn]?
Replies: 58
Views: 4538

Re: Long-Lasting Incandescents + LED Question

if I read the Internets correctly, the biggest cause of buzzing would be incandescent lights on a dimmer, because the rapid voltage on/off turns into a magnetic field, which vibrates the filament, which can cause buzzing.
by Easy Rhino
Thu Dec 04, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4858

Re: Long-Lasting Incandescents + LED Question

since these are in recessed ceiling fixtures, directionality probably isn't much of an issue... well as long as the light goes down.
by Easy Rhino
Tue Dec 02, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4858

Re: Long-Lasting Incandescents + LED Question

in the original post, why does the hallway need incandescents, and why long-life? Are they a hassle to replace? Do they have special fixtures (candelabra), are they illuminating works of art? I had to replace a light bulb earlier this year on a tall ceiling above a staircase, so I can probably sympa...
by Easy Rhino
Mon Dec 01, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Long-Lasting Incandescents + LED Question
Replies: 64
Views: 4858

Re: Discover Card - New Deal

i like to redeem my discover points for gift cards where I get a "discount" on the gift card face value.
by Easy Rhino
Wed Nov 26, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Discover Card - New Deal
Replies: 13
Views: 2035

Re: Being woken up by neighbors above me

they're already in bare feet, that's about as quiet as it can get since it makes them more likely to walk softly than in shoes. They'd have to intentionally try to scamper around on the balls of their feet. Sound insulation and resilient strips could be installed in your ceiling to reduce footstep n...
by Easy Rhino
Wed Nov 26, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6294

Re: Light Bulb Question

"tube vs twisty" is a red herring. Look inside the frosted pic of the reflector, it's still twisty in there too. The real question is what shape of a bulb do you want, and that depends on where you're installing it. you want the bulged reflector (BR30) in a recessed light, while the uncove...
by Easy Rhino
Wed Nov 19, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 5147

Re: Humidifier: How much condensation is too much?

maybe some caulk for that one window is in order.

I remember when I was a kid, the house furnace had a humidifier, but we had some very energy in-efficient windows. Sheets of ice would form on the inside where condensation would freeze against them. As a kid it was pretty cool.
by Easy Rhino
Wed Nov 19, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Humidifier: How much condensation is too much?
Replies: 35
Views: 2443

Re: Experience with Target Redcard?

My wife looooves Target and there's one close to us.

But the admistrative toll of having both a checkbook and a target card app was too much for her and the card didn't work. So I ended up getting the decoupled debit card.

It saves us 5% so it's fine.
by Easy Rhino
Thu Nov 13, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 3128

Re: Very old Chinese bond; worth anything?

despite the fact that both governments were overthrown after that bond was issued, that's still amazingly cool.
by Easy Rhino
Thu Nov 13, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: Very old Chinese bond; worth anything?
Replies: 18
Views: 1870

Re: Messy baby restaurant etiquette

We'd like to get him used to eating at the same time as us. Having dinner together as a family was important to us as children, and we would like to continue that sentiment with our family. We don't want him to get in the habit of having his food in front of him as soon as he sits down, before we h...
by Easy Rhino
Wed Nov 12, 2014 2:53 pm
 
Forum: Personal Consumer Issues
Topic: Messy baby restaurant etiquette
Replies: 75
Views: 4752

Re: War on Debt

if the gas expenses are that high from visiting family, then maybe you aren't really that close to family at all. you could look for higher paying jobs that are actually closer. Minor things: - trade cars if your is substantially more fuel efficient - sell her car and buy a cheaper more efficient on...
by Easy Rhino
Fri Nov 07, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 31502

Re: Increased Premium Paid for Premium Gas

around here lots of stations only have a 10 cent jump between each grade of gas.

It must be really street-corner dependent.
by Easy Rhino
Thu Nov 06, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Increased Premium Paid for Premium Gas
Replies: 24
Views: 2025

Re: Tax Benefits of a house

we got our house late last year, and learned that with just a few months of interest payments, it made our itemized deduction just barely equal our standard deduction.

But for this year, with a full year of mortgage payments, we'll be itemizing like crazy.
by Easy Rhino
Thu Nov 06, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Tax Benefits of a house
Replies: 12
Views: 1521

Re: I bought this new mattress….

I wouldn't think an innerspring mattress would 'break in' at all . It will probably be like that forever until it starts to wear out. What might break in is you getting used to sleeping on it. But also, this mattress doesn't even fit the box spring? That sounds kind of messed up. For our guest room,...
by Easy Rhino
Thu Nov 06, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: I bought this new mattress….
Replies: 16
Views: 2301

Re: Your very first email

Man, I think it was an email sent through a BBS system in the early 90's. Some crazy setup where the email was trasmitted to another BBS in batch which had a internet gateway. I might have even had to borrow someone else's account.
by Easy Rhino
Thu Nov 06, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2433

Re: Dimming Sunset LED's Lamps?

you know, our house has a lot of recessed lighting on dimmers, and we use LED's that are 2700k warm white, but don't get warmer when dimmed.

It seems fine to us. Although admittedly we're not trying to emulate a fireplace.
by Easy Rhino
Wed Nov 05, 2014 4:59 pm
 
Forum: Personal Consumer Issues
Topic: Dimming Sunset LED's Lamps?
Replies: 5
Views: 574

Re: LED Christmas lights?

I like the led's because you can have longer strings together.

My joke is that the cool white ones outside our house make it look like a supernova about to burst. Or some other appropriately sciencey analogy.
by Easy Rhino
Wed Nov 05, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3173

Re: What do you set your thermostat to (in F)?

we're outside san diego, so our weather isn't too harsh. But we did get insulation added last year, because the drafts and chilliness were aggravating in the winter.

71 in the winter
76 in the summer (but only turned on manually).
by Easy Rhino
Wed Nov 05, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4612

Re: house odor after crawlspace encapsulation

any change in odor?
by Easy Rhino
Wed Oct 29, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3868

Re: Do you regret buying your home?

we've just had our first house for a year, and yep, I have regrets quite often. Mainly about repairs and renovations. and the increased cost, of course. (ironically, not the things listed as regrets in the original survey, we researched those). But other times I appreciate the advantages. But my exe...
by Easy Rhino
Thu Oct 23, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7226

Re: FIOS [versus cable]

So for those of you who have or had FIOS, is it true you'll never go back to cable cause it is that much better and more reliable? Part of your evaluation of FIOS vs Cable is going to depend on the quality of the actual, physical infrastructure (e.g. coaxial cables, head nodes, etc.) for the cable ...
by Easy Rhino
Wed Oct 22, 2014 12:59 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 47
Views: 3927

Re: Does your ROTH hold risky or stable items?

both, I have REIT, small cap value, and TIPS.

The reason I have them is not for specific riskiness, but because I can get funds that I can't get in my work 401k.
by Easy Rhino
Tue Oct 21, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3550

Re: What Are We Doing To Our Young Investors?

this started off weak, got better, and then lost me near the conclusions again. I kind of like the concept of investing in a conservative 'starter portfolio' until six months salary has been saved. However, what I don't like is the assumption that the 401k is the right place to save this emergency s...
by Easy Rhino
Mon Oct 20, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4220

Re: Gas stove features

so I think what you really want is a "range", a stovetop and an oven in one piece. We have a very cheap gas range. It was installed by the flipper who sold us the house. Cheapest possible gas GE model basically. Variable burner strengths would be nice. Both low and high. Even though our bu...
by Easy Rhino
Mon Oct 20, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Gas stove features
Replies: 12
Views: 1091

Re: When to think about tax lost harvesting

for me it was also "is it worth my while" to switch. So the unrealized loss, and the tax savings from the loss, would have to be worth my time. In 08-09 it was pretty epic, so I'd usually wait until it was a grand or two. Also I weighted against how much I desired the investment I would be...
by Easy Rhino
Sun Oct 19, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to think about tax lost harvesting
Replies: 19
Views: 1457

Re: house odor after crawlspace encapsulation

Rusty, just curious if you had plugged in a humidifier yet or done any other changes to the crawlspace?
by Easy Rhino
Fri Oct 17, 2014 10:57 pm
 
Forum: Personal Consumer Issues
Topic: house odor after crawlspace encapsulation
Replies: 48
Views: 3868

Re: When can I afford to buy a home?

Hey we just bought our first house last year... I was 38. don't sweat the age thing. The reasoning to buy a house is not purely financial. You buy a house when you want to stay in the same place for a long time, and have the opportunities and responsibilites that come with ownership (renovations, re...
by Easy Rhino
Fri Oct 17, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: When can I afford to buy a home?
Replies: 21
Views: 2655

Re: Should I buy a condo on the GROUND FLOOR?

from my apartment and condo experiences: Ground floor: - easier carrying (groceries, furniture, babies) - tends to stay cooler in summer - tends to stay cooler in winter - noise from upstairs Top floor: - harder carrying - tends to be warmer in summer and winter - smoke from downstairs (we had a bal...
by Easy Rhino
Fri Oct 10, 2014 6:46 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a condo on the GROUND FLOOR?
Replies: 50
Views: 5595

Re: John Hussman, smart guy, should you listen to his foreca

i like to read Hussman to keep my irrational exuberance in check.
by Easy Rhino
Fri Oct 10, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 76
Views: 8559

Re: Small Moneysavers Which Add Up

Small but effective: When we went out to eat, I told my daughter that she could order juice or soda to drink. However, if she instead chose plain water (free), I'd give her a dollar. Once that deal was offered, she never ordered juice or soda again. I can't take credit for coming up with that. I re...
by Easy Rhino
Thu Oct 09, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Small Moneysavers Which Add Up
Replies: 74
Views: 7525

Re: Keep vanguard mutual fund or move to the dark side (ETFs

ETFs are a bit of a pain, because the value fluctuates during the day, and you can only buy whole shares. leaving you with a few stray dollars in your account. I have a brokerage account at wells fargo, so most of my investments are in ETFs. However, in my IRA, I keep one mutual fund, and even thoug...
by Easy Rhino
Thu Oct 09, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1512

Re: It's a good day to be in Stocks - 10-08-2014.........

BahamaMan wrote:Diversification is what it's all about ! :beer


ha, I see what you did there :)
by Easy Rhino
Wed Oct 08, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3376

Re: Large Inheritance - Need Advice

So, if a financial advisor hears you have an inheritance and immediately says "hey, you should buy a whole life insurance policy", then that guy is a jerk. First read the wiki on managing a windfall. Then think hard about what your goals are. Then, if you want to have some bogleheads bounc...
by Easy Rhino
Tue Oct 07, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large Inheritance - Need Advice
Replies: 28
Views: 3626

Re: HDHP/HMO with potential baby?

Right, you can double cover the child and still have qualify for an HSA But you can't Double cover either adult under a non HDHP and have them qualify for an HSA. And note that coordination of coverage is a pain. even for a doc checkup the bill goes through two differenct insurance companies before ...
by Easy Rhino
Tue Oct 07, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP/HMO with potential baby?
Replies: 4
Views: 539

Re: Which home inspectors/trademen did you use?

we were in escrow on two houses. one we didn't buy and one we did. Ended up picking our inspector because we read a report he did for another potential buyer of a house we looked at, saw his report, never put a bid on, but liked his report. Both houses had the general inspection. one had a quote fro...
by Easy Rhino
Tue Oct 07, 2014 3:12 am
 
Forum: Personal Consumer Issues
Topic: Which home inspectors/trademen did you use?
Replies: 5
Views: 605
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